/* =====================================================
   SimpliFund Mortgage — Homepage Styles
   Brand palette: navy + green
   ===================================================== */

:root {
  --navy:      #0b2545;
  --navy-700:  #102f5b;
  --navy-600:  #15396f;
  --green:     #00a85a;     /* sampled from logo */
  --green-600: #008a4a;
  --green-700: #006b39;
  --green-50:  #eaf7ef;
  --ink:       #0f172a;
  --slate-700: #334155;
  --slate-500: #64748b;
  --slate-300: #cbd5e1;
  --slate-200: #e2e8f0;
  --slate-100: #f1f5f9;
  --bg:        #ffffff;
  --bg-soft:   #f7faf9;
  --shadow-sm: 0 1px 2px rgba(15,23,42,.06);
  --shadow-md: 0 8px 24px rgba(15,23,42,.08);
  --shadow-lg: 0 20px 50px rgba(11,37,69,.18);
  --radius:    14px;
  --radius-lg: 22px;
  --maxw:      1180px;
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }

.container {
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0 24px;
}

h1, h2, h3, h4, h5 {
  font-family: 'Plus Jakarta Sans', system-ui, sans-serif;
  color: var(--navy);
  letter-spacing: -0.02em;
  margin: 0 0 .5em 0;
  line-height: 1.15;
}

p { margin: 0 0 1em 0; }

.muted { color: var(--slate-500); }

/* =================== BUTTONS =================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 22px;
  border-radius: 10px;
  font-weight: 600;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 15px;
  letter-spacing: 0.01em;
  cursor: pointer;
  border: 2px solid transparent;
  transition: transform .15s ease, box-shadow .2s ease, background .2s ease, color .2s ease, border-color .2s ease;
  white-space: nowrap;
}
.btn-lg { padding: 16px 28px; font-size: 16px; }
.btn-primary {
  background: var(--green);
  color: #ffffff;
  box-shadow: 0 8px 18px rgba(0,168,90,.28);
}
.btn-primary:hover { background: var(--green-600); transform: translateY(-1px); color: #ffffff; }
.btn-ghost {
  background: rgba(255,255,255,.08);
  color: #fff;
  border-color: rgba(255,255,255,.45);
  backdrop-filter: blur(2px);
}
.btn-ghost:hover { background: rgba(255,255,255,.18); border-color: #fff; }

/* Solid white CTA — used as the secondary button on dark hero */
.btn-secondary {
  background: #ffffff;
  color: var(--navy);
  border-color: #ffffff;
  box-shadow: 0 8px 20px rgba(0,0,0,0.18);
}
.btn-secondary:hover {
  background: #f4f8fb;
  color: var(--navy);
  border-color: #f4f8fb;
  transform: translateY(-1px);
}
.btn-outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline:hover { background: var(--navy); color: #fff; }

/* =================== TOP NAV =================== */
.topbar {
  position: sticky;
  top: 0;
  z-index: 50;
  background: #ffffff;
  color: var(--navy);
  border-bottom: 1px solid var(--slate-200);
  box-shadow: 0 1px 0 rgba(15,23,42,.04);
}
.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 24px;
  gap: 18px;
}

/* Logo */
.logo {
  display: inline-flex;
  align-items: center;
  gap: 10px;
}
.logo-mark {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 12px;
  overflow: hidden;
}
.logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1;
}
.logo-text-main {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 800;
  font-size: 20px;
  letter-spacing: -0.01em;
  color: var(--navy);
}

/* Real logo image */
.logo-img {
  display: block;
  height: 44px;
  width: auto;
}
.logo-img-footer {
  height: 40px;
  background: #ffffff;
  padding: 8px 14px;
  border-radius: 10px;
}
.logo-text-sub {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 600;
  font-size: 11px;
  letter-spacing: 0.22em;
  color: var(--green);
  margin-top: 4px;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 22px;
  margin-left: auto;
  margin-right: 18px;
  flex-wrap: nowrap;
}
.nav-links a {
  color: var(--slate-700);
  font-weight: 600;
  font-size: 15px;
  position: relative;
  padding: 6px 2px;
  white-space: nowrap;
}
@media (max-width: 1180px) {
  .nav-links { gap: 16px; }
  .nav-links a { font-size: 14px; }
}
.nav-links a:hover { color: var(--navy); }
.nav-links a:hover::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: 0;
  height: 2px;
  background: var(--green);
  border-radius: 2px;
}

.nav-cta { padding: 10px 18px; font-size: 14px; }

.hamburger {
  display: none;
  width: 40px; height: 36px;
  background: transparent;
  border: 0;
  cursor: pointer;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  padding: 0;
}
.hamburger span {
  display: block;
  height: 2px;
  width: 24px;
  background: var(--navy);
  margin: 0 auto;
  transition: transform .2s ease, opacity .2s ease;
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-menu {
  display: none;
  flex-direction: column;
  gap: 14px;
  padding: 18px 24px 22px;
  background: #ffffff;
  border-top: 1px solid var(--slate-200);
}
.mobile-menu a { color: var(--navy); font-weight: 600; }
.mobile-menu.open { display: flex; }

/* =================== HERO =================== */
.hero {
  position: relative;
  color: #fff;
  background:
    linear-gradient(135deg, rgba(11,37,69,.78) 0%, rgba(11,37,69,.55) 55%, rgba(11,37,69,.85) 100%),
    url("hero-bg.jpg") center/cover no-repeat;
  min-height: 640px;
  display: flex;
  align-items: center;
  overflow: hidden;
}
.hero-overlay {
  position: absolute; inset: 0;
  background: radial-gradient(ellipse at 50% 30%, rgba(0,168,90,.10), transparent 60%);
  pointer-events: none;
}
.hero-inner {
  position: relative;
  text-align: center;
  padding: 90px 24px 110px;
  width: 100%;
}

.badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.2);
  border-radius: 999px;
  padding: 8px 18px;
  font-size: 12px;
  letter-spacing: 0.18em;
  font-weight: 700;
  color: #fff;
  backdrop-filter: blur(4px);
}
.badge .dot {
  width: 8px; height: 8px;
  background: var(--green);
  border-radius: 50%;
  box-shadow: 0 0 0 4px rgba(0,168,90,.22);
}

.hero-title {
  font-size: clamp(40px, 6.5vw, 78px);
  font-weight: 800;
  margin: 22px 0 18px;
  color: #fff;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
}
.hero-title .accent { color: #ffffff; }
.hero-title .white  { color: #ffffff; }
.hero-title .accent-green { color: var(--green); }
.hero-title .line {
  display: block;
  width: 120px;
  height: 4px;
  background: #fff;
  border-radius: 4px;
  margin: 6px auto;
  opacity: .9;
}

.hero-sub {
  max-width: 720px;
  margin: 0 auto 32px;
  font-size: 18px;
  color: rgba(255,255,255,.92);
  line-height: 1.6;
}

.hero-ctas {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 22px;
}

.hero-rating {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin: 0 auto 32px;
  padding: 8px 16px;
  border-radius: 999px;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.18);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  text-decoration: none;
  cursor: pointer;
  transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}
.hero-rating:hover {
  transform: translateY(-1px);
  background: rgba(255, 255, 255, 0.18);
  box-shadow: 0 6px 18px rgba(0, 168, 90, 0.25);
}
.hero-rating-stars {
  color: #FFC83D;
  letter-spacing: 2px;
  font-size: 16px;
  text-shadow: 0 0 12px rgba(255, 200, 61, .35);
}
.hero-rating-text {
  color: #fff;
  font-weight: 600;
  font-size: 14px;
  letter-spacing: .02em;
}

.trust-row {
  list-style: none;
  margin: 0; padding: 24px 0 0;
  border-top: 1px solid rgba(255,255,255,.18);
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 14px 36px;
  font-size: 14px;
  color: rgba(255,255,255,.92);
  font-weight: 500;
}
.trust-row .trust-icon {
  color: var(--green);
  margin-right: 6px;
}

/* =================== SECTIONS =================== */
.section { padding: 88px 0; }
@media (max-width: 720px) { .section { padding: 64px 0; } }

.section-title {
  font-size: clamp(28px, 3.6vw, 44px);
  font-weight: 800;
  margin-bottom: 16px;
}
.section-title.white { color: #fff; }
.section-lead {
  font-size: 17px;
  color: var(--slate-700);
  max-width: 720px;
}
.section-lead.light { color: rgba(255,255,255,.85); }

.intro-tag {
  display: inline-block;
  font-size: 12px;
  letter-spacing: 0.22em;
  font-weight: 700;
  color: var(--green-600);
  margin-bottom: 14px;
}

/* INTRO SECTION */
.section-intro { background: var(--bg); padding-top: 48px; }
@media (max-width: 720px) { .section-intro { padding-top: 32px; } }
.intro-grid {
  display: grid;
  grid-template-columns: 220px 1fr;
  gap: 48px;
  align-items: start;
}
.intro-grid .intro-tag { margin-top: 8px; }
@media (max-width: 820px) {
  .intro-grid { grid-template-columns: 1fr; gap: 12px; }
}

/* SERVICE CARDS */
.section-services { background: var(--bg-soft); padding-top: 32px; }
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
@media (max-width: 980px) { .services-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .services-grid { grid-template-columns: 1fr; } }

.service-card {
  background: #fff;
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  padding: 28px 26px 26px;
  box-shadow: var(--shadow-sm);
  transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 4px;
  background: linear-gradient(90deg, var(--green), var(--navy));
  opacity: 0;
  transition: opacity .2s ease;
}
.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}
.service-card:hover::before { opacity: 1; }

.service-icon {
  width: 52px; height: 52px;
  border-radius: 14px;
  background: var(--green-50);
  color: var(--green-600);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
}
.service-card h3 {
  font-size: 21px;
  font-weight: 700;
  margin-bottom: 10px;
}
.service-card p {
  color: var(--slate-700);
  font-size: 15.5px;
  margin-bottom: 18px;
}
.card-link {
  font-weight: 600;
  color: var(--navy);
  font-size: 14.5px;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.card-link span { transition: transform .15s ease; display: inline-block; }
.card-link:hover { color: var(--green-600); }
.card-link:hover span { transform: translateX(4px); }

/* LOAN OPTIONS */
.section-loans {
  background:
    linear-gradient(160deg, var(--navy) 0%, var(--navy-700) 100%);
  color: #fff;
  position: relative;
  overflow: hidden;
}
.section-loans::before {
  content: "";
  position: absolute;
  width: 480px; height: 480px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(0,168,90,.14), transparent 65%);
  top: -180px; right: -120px;
}
.loans-head { max-width: 760px; margin-bottom: 44px; position: relative; }
.loans-head .intro-tag { color: var(--green); }
.loans-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  position: relative;
}
@media (max-width: 980px) { .loans-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .loans-grid { grid-template-columns: 1fr; } }

.loan-tile {
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius);
  padding: 24px 22px;
  transition: background .2s ease, border-color .2s ease, transform .2s ease;
}
.loan-tile:hover {
  background: rgba(255,255,255,.09);
  border-color: var(--green);
  transform: translateY(-3px);
}
.loan-tile h4 {
  color: #fff;
  font-size: 18px;
  font-weight: 700;
  margin-bottom: 8px;
}
.loan-tile p {
  color: rgba(255,255,255,.78);
  font-size: 14.5px;
  margin: 0;
}

/* PROCESS */
.section-process { background: var(--bg); }
.process-head { text-align: center; margin: 0 auto 48px; max-width: 780px; }
.process-head .section-lead { margin-left: auto; margin-right: auto; }

.process-steps {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
  counter-reset: step;
}
@media (max-width: 980px) { .process-steps { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 540px) { .process-steps { grid-template-columns: 1fr; } }

.process-steps li {
  background: var(--bg-soft);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  border: 1px solid var(--slate-200);
  position: relative;
}
.step-num {
  display: inline-block;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 800;
  font-size: 14px;
  color: #fff;
  background: var(--green);
  padding: 4px 10px;
  border-radius: 999px;
  margin-bottom: 14px;
  letter-spacing: 0.05em;
}
.process-steps h4 {
  font-size: 18px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
}
.process-steps p {
  font-size: 14.5px;
  color: var(--slate-700);
  margin: 0;
}

/* WHY */
.section-why { background: var(--bg-soft); }
.why-grid {
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  gap: 60px;
  align-items: center;
}
@media (max-width: 880px) { .why-grid { grid-template-columns: 1fr; gap: 28px; } }

.why-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
@media (max-width: 540px) { .why-list { grid-template-columns: 1fr; } }
.why-list li {
  background: #fff;
  border: 1px solid var(--slate-200);
  border-left: 4px solid var(--green);
  border-radius: 12px;
  padding: 18px 18px;
  font-size: 15px;
  color: var(--slate-700);
  box-shadow: var(--shadow-sm);
}
.why-list strong { color: var(--navy); display: block; margin-bottom: 4px; }

/* CTA BAND */
.cta-band {
  background:
    radial-gradient(ellipse at 0% 0%, rgba(0,168,90,.14), transparent 50%),
    linear-gradient(135deg, var(--navy) 0%, var(--navy-600) 100%);
  color: #fff;
}
.cta-inner {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 32px;
  align-items: center;
}
@media (max-width: 880px) { .cta-inner { grid-template-columns: 1fr; text-align: center; } }
.cta-title {
  font-size: clamp(28px, 3.6vw, 40px);
  color: #fff;
  margin-bottom: 10px;
}
.cta-sub {
  color: rgba(255,255,255,.85);
  font-size: 16.5px;
  max-width: 560px;
  margin-bottom: 0;
}
@media (max-width: 880px) { .cta-sub { margin: 0 auto 16px; } }
.cta-actions {
  display: flex;
  gap: 12px;
  justify-content: flex-end;
  flex-wrap: wrap;
}
@media (max-width: 880px) { .cta-actions { justify-content: center; } }
.cta-band .btn-outline { color: #fff; border-color: rgba(255,255,255,.7); }
.cta-band .btn-outline:hover { background: #fff; color: var(--navy); border-color: #fff; }

/* CONTACT */
.section-contact { background: var(--bg); }
.contact-card {
  background: #fff;
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  padding: 40px 44px;
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: 48px;
  align-items: start;
  box-shadow: var(--shadow-md);
}
.contact-card.contact-card-form-only {
  grid-template-columns: 1fr;
  max-width: 720px;
  margin: 0 auto;
}
.contact-card.contact-card-form-only .contact-form-side {
  background: transparent;
  border: 0;
  padding: 0;
}
@media (max-width: 880px) {
  .contact-card { grid-template-columns: 1fr; padding: 32px 24px; gap: 32px; }
}
.contact-side .intro-tag { margin-bottom: 8px; }
.contact-name {
  font-size: 30px;
  font-weight: 800;
  margin-bottom: 4px;
}
.contact-title {
  color: var(--slate-700);
  font-weight: 500;
  margin-bottom: 6px;
}
.contact-nmls {
  display: inline-block;
  font-size: 12.5px;
  letter-spacing: 0.06em;
  background: var(--green-50);
  color: var(--green-600);
  font-weight: 700;
  padding: 5px 11px;
  border-radius: 999px;
}
.contact-list {
  list-style: none;
  margin: 0; padding: 0;
  display: grid;
  gap: 18px;
}
.contact-list li {
  display: flex;
  align-items: center;
  gap: 16px;
}
.contact-list .ci {
  width: 42px; height: 42px;
  background: var(--green-50);
  border-radius: 12px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--green);
}
.contact-list .ci-svg {
  width: 18px;
  height: 18px;
  display: block;
}
.ci-label {
  font-size: 12px;
  letter-spacing: 0.14em;
  color: var(--slate-500);
  font-weight: 700;
  text-transform: uppercase;
  margin-bottom: 2px;
}
.contact-list a { color: var(--navy); font-weight: 600; font-size: 16px; }
.contact-list a:hover { color: var(--green-600); }

/* CONTACT FORM */
.contact-form-side {
  background: var(--bg-soft, #f7faf8);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius);
  padding: 28px 28px 24px;
}
.contact-form-title {
  font-size: 22px;
  font-weight: 800;
  color: var(--navy);
  margin: 0 0 4px;
  letter-spacing: -0.01em;
}
.contact-form-sub {
  font-size: 14px;
  color: var(--slate-700);
  margin: 0 0 20px;
  line-height: 1.5;
}
.contact-form {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.form-row-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
@media (max-width: 520px) {
  .form-row-2 { grid-template-columns: 1fr; }
}
.form-field {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.form-label {
  font-size: 12px;
  letter-spacing: 0.06em;
  color: var(--slate-700);
  font-weight: 700;
  text-transform: uppercase;
}
.form-label em {
  color: var(--green);
  font-style: normal;
}
.contact-form input[type="text"],
.contact-form input[type="tel"],
.contact-form input[type="email"],
.contact-form select,
.contact-form textarea {
  font-family: inherit;
  font-size: 15px;
  color: var(--navy);
  background: #fff;
  border: 1px solid var(--slate-200);
  border-radius: 10px;
  padding: 11px 13px;
  outline: none;
  transition: border-color .18s ease, box-shadow .18s ease;
  width: 100%;
  box-sizing: border-box;
}
.contact-form textarea {
  resize: vertical;
  min-height: 92px;
  line-height: 1.5;
}
.contact-form input:focus,
.contact-form select:focus,
.contact-form textarea:focus {
  border-color: var(--green);
  box-shadow: 0 0 0 3px rgba(0, 168, 90, 0.15);
}
.contact-form input::placeholder,
.contact-form textarea::placeholder {
  color: #9aa6a0;
}
.form-consent {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 12px 14px;
  background: #fff;
  border: 1px solid var(--slate-200);
  border-radius: 10px;
  cursor: pointer;
}
.form-consent input[type="checkbox"] {
  width: 16px;
  height: 16px;
  margin-top: 3px;
  accent-color: var(--green);
  flex-shrink: 0;
  cursor: pointer;
}
.consent-text {
  font-size: 12.5px;
  line-height: 1.55;
  color: var(--slate-700);
}
.consent-text a {
  color: var(--green-600);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 2px;
}
.consent-text a:hover { color: var(--green); }
.form-submit {
  margin-top: 6px;
  align-self: flex-start;
}
@media (max-width: 520px) {
  .form-submit { width: 100%; align-self: stretch; }
}
.contact-side .contact-list { margin-top: 22px; }

/* FOOTER */
.footer {
  background: var(--navy);
  color: rgba(255,255,255,.78);
  padding-top: 56px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 36px;
  padding-bottom: 36px;
}
@media (max-width: 820px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .footer-grid { grid-template-columns: 1fr; } }
.footer h5 {
  color: #fff;
  font-size: 13px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.footer a {
  display: block;
  color: rgba(255,255,255,.78);
  margin-bottom: 8px;
  font-size: 14.5px;
}
.footer a:hover { color: var(--green); }
.footer-tag {
  font-size: 14px;
  margin-top: 14px;
  color: rgba(255,255,255,.7);
  max-width: 280px;
}
.footer .muted { color: rgba(255,255,255,.55); font-size: 13px; }
.logo-footer .logo-text-main { font-size: 19px; }

.footer-base {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 18px 0;
  font-size: 13px;
  color: rgba(255,255,255,.55);
}
.footer-base-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px;
}
.eho { color: var(--green); font-weight: 600; }

/* =================== RESPONSIVE NAV =================== */
@media (max-width: 1040px) {
  .nav-links, .nav-cta { display: none; }
  .hamburger { display: flex; }
}

/* =================== HERO ANIMATION =================== */
.hero { min-height: 720px; }

.hero-canvas {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  z-index: 1;
  pointer-events: none;
}

.hero-overlay { z-index: 2; }

/* Post-animation darkener: fades in after the house finishes drawing */
.hero-darken {
  position: absolute;
  inset: 0;
  z-index: 2;
  pointer-events: none;
  background: linear-gradient(180deg,
    rgba(6, 22, 42, 0.55) 0%,
    rgba(6, 22, 42, 0.70) 55%,
    rgba(6, 22, 42, 0.78) 100%);
  opacity: 0;
  transition: opacity 1.6s ease;
}
.hero-darken.show { opacity: 1; }

.hero-content {
  position: relative;
  z-index: 3;
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 1.1s ease, transform 1.1s cubic-bezier(0.16, 1, 0.3, 1);
}
.hero-content.show {
  opacity: 1;
  transform: translateY(0);
}

.replay-btn {
  position: absolute;
  top: 92px;
  right: 24px;
  z-index: 5;
  background: rgba(0, 0, 0, 0.35);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  border: 1px solid rgba(255, 255, 255, 0.15);
  color: rgba(255, 255, 255, 0.75);
  padding: 7px 14px;
  border-radius: 6px;
  font-size: 11px;
  font-weight: 600;
  cursor: pointer;
  font-family: inherit;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  transition: background 180ms ease, color 180ms ease, border-color 180ms ease;
}
.replay-btn:hover {
  background: rgba(0, 168, 90, 0.45);
  color: #fff;
  border-color: rgba(0, 168, 90, 0.6);
}

@media (max-width: 720px) {
  .replay-btn { top: 76px; right: 14px; padding: 6px 10px; font-size: 10px; }
}

@media (prefers-reduced-motion: reduce) {
  .hero-content { opacity: 1 !important; transform: none !important; }
  .hero-canvas { display: none; }
  .replay-btn { display: none; }
}

/* Boost legibility of hero text over animated canvas */
.hero-content .hero-title { text-shadow: 0 2px 24px rgba(11, 37, 69, 0.55); }
.hero-content .hero-sub { text-shadow: 0 1px 12px rgba(11, 37, 69, 0.6); }
.hero-content .badge { box-shadow: 0 6px 20px rgba(0,0,0,0.25); }

/* Keep hero CTAs side-by-side on mobile */
@media (max-width: 600px) {
  .hero-ctas {
    flex-wrap: nowrap;
    gap: 10px;
  }
  .hero-ctas .btn-lg {
    flex: 1 1 0;
    min-width: 0;
    padding: 14px 12px;
    font-size: 14px;
  }
}

/* ============== REVIEWS ============== */
.section-reviews {
  background: linear-gradient(180deg, #f7faf7 0%, #ffffff 100%);
  padding-bottom: 32px;
}
@media (max-width: 720px) { .section-reviews { padding-bottom: 24px; } }
.reviews-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-top: 2.5rem;
}
.review-card {
  background: #ffffff;
  border: 1px solid rgba(11, 37, 69, 0.08);
  border-radius: 16px;
  padding: 2rem 1.75rem;
  box-shadow: 0 4px 18px rgba(11, 37, 69, 0.06);
  display: flex;
  flex-direction: column;
  gap: 1rem;
  position: relative;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.review-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 28px rgba(0, 168, 90, 0.12);
}
.review-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, #00A85A, #008a4a);
  border-radius: 16px 16px 0 0;
}
.review-stars {
  color: #FFC83D;
  font-size: 1.15rem;
  letter-spacing: 2px;
  text-shadow: 0 0 12px rgba(255, 200, 61, 0.35);
}
.review-quote {
  color: #0b2545;
  font-size: 1rem;
  line-height: 1.6;
  margin: 0;
  flex: 1;
}
.review-meta {
  display: flex;
  flex-direction: column;
  gap: 2px;
  padding-top: 0.75rem;
  border-top: 1px solid rgba(11, 37, 69, 0.08);
}
.review-name {
  font-weight: 700;
  color: #0b2545;
  font-size: 0.95rem;
}
.review-context {
  font-size: 0.85rem;
  color: #5a6b80;
}
.reviews-footnote {
  text-align: center;
  margin-top: 2rem;
  font-size: 0.9rem;
  color: #5a6b80;
}
.reviews-footnote a {
  color: #00A85A;
  text-decoration: none;
  font-weight: 600;
}
.reviews-footnote a:hover {
  color: #008a4a;
  text-decoration: underline;
}
@media (max-width: 900px) {
  .reviews-grid {
    grid-template-columns: 1fr;
    gap: 1rem;
  }
  .review-card {
    padding: 1.5rem 1.35rem;
  }
}

/* Contact card photo */
.contact-photo {
  width: 140px;
  height: 140px;
  border-radius: 50%;
  object-fit: cover;
  margin-bottom: 1.25rem;
  border: 4px solid #ffffff;
  box-shadow: 0 8px 24px rgba(11, 37, 69, 0.18), 0 0 0 1px rgba(0, 168, 90, 0.3);
  display: block;
}
@media (max-width: 720px) {
  .contact-photo {
    width: 120px;
    height: 120px;
    margin-left: auto;
    margin-right: auto;
  }
}

/* ============== MINIMAL FOOTER ============== */
.footer-min { padding: 40px 0; background: var(--bg); }
.footer-min-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 12px;
}
.footer-min .logo-img-footer { height: 36px; }
.footer-min .footer-tag { margin: 0; color: var(--slate-700); font-size: 15px; }

/* ============== LEGAL / COMPLIANCE BAR ============== */
.footer-legal {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.78);
  padding: 24px 0;
  margin-top: 32px;
}
.footer-legal-inner {
  display: flex;
  align-items: center;
  gap: 28px;
}
.eho {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
  color: rgba(255, 255, 255, 0.92);
  flex-shrink: 0;
}
.eho-svg {
  width: 44px;
  height: 44px;
  display: block;
}
.eho-label {
  font-size: 9px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  text-align: center;
  line-height: 1.2;
  color: rgba(255, 255, 255, 0.85);
}
.footer-legal-text {
  flex: 1;
  min-width: 0;
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.footer-legal-links {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 12px;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.footer-legal-links a {
  color: #fff;
  text-decoration: none;
  transition: color .18s ease;
}
.footer-legal-links a:hover { color: var(--green); }
.footer-legal-links .sep {
  color: rgba(255, 255, 255, 0.35);
  font-weight: 400;
}
.footer-legal-line {
  margin: 0;
  font-size: 13px;
  color: rgba(255, 255, 255, 0.72);
  line-height: 1.55;
}
.footer-legal-line a {
  color: rgba(255, 255, 255, 0.92);
  text-decoration: none;
  border-bottom: 1px solid rgba(255, 255, 255, 0.25);
  transition: color .18s ease, border-color .18s ease;
}
.footer-legal-line a:hover {
  color: var(--green);
  border-color: var(--green);
}
@media (max-width: 720px) {
  .footer-legal { padding: 22px 0; }
  .footer-legal-inner { flex-direction: column; align-items: center; text-align: center; gap: 16px; }
  .footer-legal-links { justify-content: center; gap: 10px; font-size: 12px; }
  .footer-legal-line { text-align: center; font-size: 12.5px; }
}

.reviews-footnote .reviews-links {
  display: inline-flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 14px;
  margin-left: 8px;
}
.reviews-footnote .reviews-links a {
  display: inline-block;
}
@media (max-width: 540px) {
  .reviews-footnote .reviews-links { display: flex; margin: 8px 0 0; }
}

/* =================== TEAM SECTION =================== */
.section-team {
  background: var(--bg-soft);
  padding: 84px 0;
}
.team-head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 48px;
}
.team-head .intro-tag {
  display: inline-block;
  margin-bottom: 12px;
}
.team-grid {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
@media (max-width: 1180px) {
  .team-grid { grid-template-columns: repeat(3, 1fr); gap: 20px; }
}
@media (max-width: 820px) {
  .team-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 520px) {
  .team-grid { grid-template-columns: 1fr; }
}
.team-card {
  background: #fff;
  border: 1px solid var(--slate-200);
  border-radius: var(--radius);
  padding: 26px 18px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  box-shadow: var(--shadow-sm);
  transition: transform .18s ease, box-shadow .2s ease, border-color .2s ease;
}
.team-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: var(--green-50);
}
.team-avatar {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 700;
  font-size: 18px;
  letter-spacing: 0.02em;
  margin-bottom: 18px;
  box-shadow: 0 0 0 4px var(--green-50);
}
.team-avatar.team-avatar-photo {
  background: transparent;
  padding: 0;
  overflow: hidden;
}
.team-avatar.team-avatar-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: 50%;
  display: block;
}
.team-info {
  width: 100%;
}
.team-name {
  font-size: 18px;
  margin: 0 0 4px;
  color: var(--navy);
}
.team-title {
  font-size: 13px;
  color: var(--slate-500);
  font-weight: 500;
  margin-bottom: 6px;
  letter-spacing: 0.01em;
}
.team-nmls {
  display: inline-block;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--green-700);
  background: var(--green-50);
  padding: 4px 10px;
  border-radius: 999px;
  margin-bottom: 16px;
}
.team-contact {
  list-style: none;
  padding: 16px 0 0;
  margin: 0;
  border-top: 1px solid var(--slate-200);
  display: flex;
  flex-direction: column;
  gap: 8px;
  align-items: stretch;
  width: 100%;
}
.team-contact li {
  display: grid;
  grid-template-columns: 16px 1fr;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  color: var(--slate-700);
  min-width: 0;
  text-align: left;
}
.team-contact .ci {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 16px;
  height: 16px;
  color: var(--green);
  flex-shrink: 0;
}
.team-contact .ci-svg {
  display: block;
  width: 13px;
  height: 13px;
}
.team-contact li a {
  font-size: 12px;
  letter-spacing: -0.005em;
  color: var(--slate-700);
  font-weight: 500;
  transition: color .18s ease;
  min-width: 0;
  overflow-wrap: break-word;
  line-height: 1.4;
}
.team-contact li a:hover { color: var(--green); }
@media (max-width: 1180px) {
  .team-contact li, .team-contact li a { font-size: 13.5px; }
}
@media (max-width: 980px) {
  .team-card { padding: 28px 24px; }
  .team-contact li, .team-contact li a { font-size: 14px; }
}

@media (max-width: 640px) {
  .section-team { padding: 64px 0; }
  .team-avatar { width: 56px; height: 56px; font-size: 16px; }
  .team-name { font-size: 17px; }
}