/* =========================================================
   Shawn McDowell Mortgage - Master Stylesheet
   ========================================================= */

@import url('https://fonts.googleapis.com/css2?family=Fraunces:opsz,wght@9..144,400;9..144,500;9..144,600;9..144,700;9..144,800&family=Inter:wght@400;500;600;700&display=swap');

:root {
  --navy: #0a2540;
  --navy-deep: #061a30;
  --navy-light: #1a3a5c;
  --gold: #c9a961;
  --gold-bright: #e0bd6f;
  --cream: #faf7f2;
  --ivory: #fdfbf7;
  --slate: #5a6a7a;
  --slate-light: #8a9aaa;
  --border: #e5e0d6;
  --success: #2d7a4f;
  --danger: #b03030;

  --display: 'Fraunces', Georgia, serif;
  --body: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;

  --shadow-sm: 0 2px 8px rgba(10, 37, 64, 0.06);
  --shadow-md: 0 8px 24px rgba(10, 37, 64, 0.10);
  --shadow-lg: 0 20px 50px rgba(10, 37, 64, 0.15);
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--body);
  font-size: 16px;
  line-height: 1.6;
  color: var(--navy);
  background: var(--ivory);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img { max-width: 100%; display: block; }
a { color: var(--navy); text-decoration: none; }
a:hover { color: var(--gold); }

/* ==================== TYPOGRAPHY ==================== */
h1, h2, h3, h4 {
  font-family: var(--display);
  font-weight: 600;
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--navy);
}
h1 { font-size: clamp(2.25rem, 5vw, 4rem); font-weight: 700; }
h2 { font-size: clamp(1.75rem, 3.5vw, 2.75rem); }
h3 { font-size: clamp(1.25rem, 2.5vw, 1.625rem); }
h4 { font-size: 1.125rem; font-family: var(--body); font-weight: 600; letter-spacing: 0.02em; text-transform: uppercase; color: var(--slate); }

.eyebrow {
  font-family: var(--body);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1rem;
  display: inline-block;
}

/* ==================== LAYOUT ==================== */
.container {
  width: 100%;
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

section { padding: 5rem 0; }
@media (max-width: 768px) { section { padding: 3rem 0; } }

/* ==================== HEADER ==================== */
.top-bar {
  background: var(--navy-deep);
  color: var(--cream);
  font-size: 0.8125rem;
  padding: 0.5rem 0;
}
.top-bar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
}
.top-bar a { color: var(--cream); }
.top-bar a:hover { color: var(--gold-bright); }
.top-bar-left { display: flex; gap: 1.5rem; }

header.site-header {
  background: white;
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: var(--shadow-sm);
}
header .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 1rem;
  padding-bottom: 1rem;
  gap: 1.5rem;
}
.logo {
  display: flex;
  flex-direction: column;
  line-height: 1;
}
.logo .name {
  font-family: var(--display);
  font-weight: 700;
  font-size: 1.5rem;
  color: var(--navy);
  letter-spacing: -0.02em;
}
.logo .tag {
  font-size: 0.7rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 600;
  margin-top: 0.25rem;
}

nav.main-nav {
  display: flex;
  align-items: center;
  gap: 0.25rem;
}
nav.main-nav ul {
  display: flex;
  list-style: none;
  gap: 0.25rem;
  align-items: center;
}
nav.main-nav > ul > li { position: relative; }
nav.main-nav a {
  padding: 0.5rem 0.875rem;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--navy);
  border-radius: 4px;
  transition: all 0.2s;
  display: block;
}
nav.main-nav a:hover { background: var(--cream); color: var(--navy); }

.dropdown { position: relative; }
.dropdown > a::after {
  content: " ▾";
  font-size: 0.7em;
  color: var(--slate-light);
}
.dropdown-menu {
  position: absolute;
  top: 100%;
  left: 0;
  background: white;
  border: 1px solid var(--border);
  border-radius: 6px;
  box-shadow: var(--shadow-md);
  min-width: 240px;
  padding: 0.5rem;
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: all 0.2s;
  display: flex !important;
  flex-direction: column;
  gap: 0;
}
.dropdown:hover .dropdown-menu,
.dropdown:focus-within .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown-menu li { display: block; }
.dropdown-menu a {
  padding: 0.5rem 0.75rem;
  font-size: 0.875rem;
}

.mobile-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 1.5rem;
  cursor: pointer;
  color: var(--navy);
  padding: 0.25rem 0.5rem;
}

/* ==================== BUTTONS ==================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.875rem 1.75rem;
  font-family: var(--body);
  font-weight: 600;
  font-size: 0.9375rem;
  border: 1.5px solid transparent;
  border-radius: 6px;
  cursor: pointer;
  transition: all 0.2s;
  text-decoration: none;
  letter-spacing: 0.01em;
}
.btn-primary {
  background: var(--gold);
  color: var(--navy-deep);
  border-color: var(--gold);
}
.btn-primary:hover {
  background: var(--gold-bright);
  border-color: var(--gold-bright);
  color: var(--navy-deep);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}
.btn-secondary {
  background: var(--navy);
  color: white;
  border-color: var(--navy);
}
.btn-secondary:hover {
  background: var(--navy-deep);
  color: white;
  transform: translateY(-1px);
}
.btn-outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline:hover { background: var(--navy); color: white; }
.btn-sm { padding: 0.5rem 1rem; font-size: 0.85rem; }
.btn-lg { padding: 1.125rem 2.25rem; font-size: 1rem; }

/* ==================== HERO ==================== */
.hero {
  background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 50%, var(--navy-light) 100%);
  color: white;
  padding: 6rem 0 7rem;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle at 20% 30%, rgba(201, 169, 97, 0.15) 0%, transparent 40%),
                    radial-gradient(circle at 80% 70%, rgba(201, 169, 97, 0.10) 0%, transparent 40%);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='60' height='60' viewBox='0 0 60 60'%3E%3Cpath d='M30 0v60M0 30h60' stroke='%23ffffff' stroke-width='0.5' stroke-opacity='0.04'/%3E%3C/svg%3E");
  pointer-events: none;
}
.hero .container { position: relative; z-index: 2; }
.hero-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 4rem;
  align-items: center;
}
.hero h1 { color: white; margin-bottom: 1.5rem; }
.hero h1 em {
  font-style: italic;
  color: var(--gold-bright);
  font-weight: 500;
}
.hero p.lead {
  font-size: 1.125rem;
  color: rgba(255, 255, 255, 0.85);
  margin-bottom: 2rem;
  max-width: 540px;
}
.hero .eyebrow { color: var(--gold-bright); }
.hero-cta { display: flex; gap: 1rem; flex-wrap: wrap; }
.hero-stats {
  display: flex;
  gap: 2.5rem;
  margin-top: 3rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
}
.hero-stat .num {
  font-family: var(--display);
  font-size: 2.25rem;
  font-weight: 600;
  color: var(--gold-bright);
  display: block;
  line-height: 1;
}
.hero-stat .label {
  font-size: 0.8rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.7);
  margin-top: 0.5rem;
  display: block;
}

.hero-card {
  background: white;
  color: var(--navy);
  border-radius: 12px;
  padding: 2rem;
  box-shadow: var(--shadow-lg);
  position: relative;
}
.hero-card::before {
  content: '';
  position: absolute;
  top: -8px;
  left: -8px;
  right: 8px;
  bottom: 8px;
  border: 2px solid var(--gold);
  border-radius: 12px;
  z-index: -1;
}
.hero-card h3 { margin-bottom: 1.25rem; }
.hero-card .badge {
  display: inline-block;
  background: var(--cream);
  color: var(--navy);
  padding: 0.25rem 0.75rem;
  border-radius: 20px;
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 1rem;
}

.quick-form-btn {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  padding: 1rem 1.25rem;
  background: var(--cream);
  border: 1px solid var(--border);
  border-radius: 8px;
  font-family: var(--body);
  font-weight: 600;
  color: var(--navy);
  font-size: 0.95rem;
  cursor: pointer;
  transition: all 0.2s;
  margin-bottom: 0.75rem;
  text-decoration: none;
}
.quick-form-btn:hover {
  background: white;
  border-color: var(--gold);
  transform: translateX(4px);
  color: var(--navy);
}
.quick-form-btn .arrow { color: var(--gold); font-size: 1.25rem; }

/* ==================== SECTIONS ==================== */
.section-head { text-align: center; margin-bottom: 3.5rem; }
.section-head p {
  max-width: 640px;
  margin: 1rem auto 0;
  color: var(--slate);
  font-size: 1.0625rem;
}

/* ==================== LOAN PROGRAMS GRID ==================== */
.loan-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: 1.25rem;
}
.loan-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 1.75rem;
  transition: all 0.25s;
  position: relative;
  overflow: hidden;
}
.loan-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 3px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.3s;
}
.loan-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--gold);
}
.loan-card:hover::before { transform: scaleX(1); }
.loan-card .icon {
  width: 48px;
  height: 48px;
  background: var(--cream);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--display);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 1rem;
  font-size: 1rem;
}
.loan-card h3 { font-size: 1.25rem; margin-bottom: 0.5rem; }
.loan-card p { color: var(--slate); font-size: 0.9rem; margin-bottom: 1rem; }
.loan-card a.more {
  color: var(--navy);
  font-weight: 600;
  font-size: 0.875rem;
  border-bottom: 1px solid var(--gold);
  padding-bottom: 2px;
}
.loan-card a.more:hover { color: var(--gold); }

/* ==================== PROCESS / FEATURE STRIP ==================== */
.feature-strip {
  background: var(--navy);
  color: white;
  padding: 3rem 0;
}
.feature-strip .container {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  text-align: center;
}
.feature-strip h4 {
  color: var(--gold-bright);
  font-size: 1rem;
  margin-bottom: 0.5rem;
}
.feature-strip p { color: rgba(255, 255, 255, 0.85); font-size: 0.95rem; }

/* ==================== ABOUT / SPLIT SECTIONS ==================== */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.split-image {
  background: linear-gradient(135deg, var(--cream), var(--ivory));
  border: 1px solid var(--border);
  border-radius: 12px;
  aspect-ratio: 4/5;
  position: relative;
  overflow: hidden;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--slate-light);
  font-style: italic;
}
.split-image.gold-frame::before {
  content: '';
  position: absolute;
  inset: 12px;
  border: 1px solid var(--gold);
  border-radius: 8px;
  pointer-events: none;
}

/* ==================== TESTIMONIALS ==================== */
.testimonial-bg { background: var(--cream); }
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
}
.testimonial {
  background: white;
  border-radius: 8px;
  padding: 2rem;
  border: 1px solid var(--border);
  position: relative;
}
.testimonial::before {
  content: '"';
  position: absolute;
  top: -10px;
  left: 1.5rem;
  font-family: var(--display);
  font-size: 5rem;
  line-height: 1;
  color: var(--gold);
  opacity: 0.4;
}
.testimonial p {
  position: relative;
  font-size: 0.95rem;
  color: var(--navy);
  margin-bottom: 1.5rem;
  font-style: italic;
}
.testimonial .stars {
  color: var(--gold);
  margin-bottom: 0.5rem;
  letter-spacing: 0.1em;
}
.testimonial .name { font-weight: 600; font-size: 0.9rem; }
.testimonial .meta { font-size: 0.8rem; color: var(--slate); }

/* ==================== CTA BANNER ==================== */
.cta-banner {
  background: linear-gradient(135deg, var(--navy-deep), var(--navy));
  color: white;
  text-align: center;
  padding: 4rem 0;
}
.cta-banner h2 { color: white; margin-bottom: 1rem; }
.cta-banner h2 em { color: var(--gold-bright); font-style: italic; }
.cta-banner p { color: rgba(255, 255, 255, 0.85); max-width: 600px; margin: 0 auto 2rem; }
.cta-banner-actions { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }

/* ==================== FOOTER ==================== */
footer.site-footer {
  background: var(--navy-deep);
  color: rgba(255, 255, 255, 0.75);
  padding: 4rem 0 0;
  font-size: 0.875rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 3rem;
  padding-bottom: 3rem;
}
footer h5 {
  color: white;
  font-family: var(--display);
  font-size: 1.0625rem;
  font-weight: 600;
  margin-bottom: 1.25rem;
}
footer ul { list-style: none; }
footer ul li { margin-bottom: 0.625rem; }
footer a { color: rgba(255, 255, 255, 0.75); }
footer a:hover { color: var(--gold-bright); }
.footer-brand .name {
  font-family: var(--display);
  font-size: 1.5rem;
  font-weight: 700;
  color: white;
  margin-bottom: 0.25rem;
}
.footer-brand .nmls {
  color: var(--gold-bright);
  font-size: 0.85rem;
  margin-bottom: 1rem;
  letter-spacing: 0.05em;
}
.footer-brand p { line-height: 1.7; }
.social-links { display: flex; gap: 0.75rem; margin-top: 1rem; }
.social-links a {
  width: 36px;
  height: 36px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.95rem;
  transition: all 0.2s;
}
.social-links a:hover {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--navy-deep);
}

.compliance {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding: 2rem 0;
  font-size: 0.75rem;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.6);
}
.compliance .badges {
  display: flex;
  gap: 1.5rem;
  align-items: center;
  margin-bottom: 1rem;
  flex-wrap: wrap;
}
.compliance .ehl {
  width: 32px;
  height: 32px;
  border: 2px solid white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: bold;
  color: white;
  font-size: 0.65rem;
}

/* ==================== FORMS ==================== */
.form-section { background: var(--cream); padding: 4rem 0; }
.form-card {
  max-width: 720px;
  margin: 0 auto;
  background: white;
  border-radius: 12px;
  padding: 2.5rem;
  box-shadow: var(--shadow-md);
}
.form-progress {
  display: flex;
  align-items: center;
  margin-bottom: 2rem;
}
.form-progress .bar {
  flex: 1;
  height: 4px;
  background: var(--border);
  border-radius: 2px;
  overflow: hidden;
}
.form-progress .fill {
  height: 100%;
  background: var(--gold);
  transition: width 0.3s;
  width: 0;
}
.form-progress .step-label {
  font-size: 0.8rem;
  color: var(--slate);
  margin-left: 1rem;
  font-weight: 500;
  white-space: nowrap;
}
.form-step { display: none; }
.form-step.active { display: block; animation: fadeIn 0.3s; }
@keyframes fadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}
.form-step h2 { margin-bottom: 0.5rem; font-size: 1.75rem; }
.form-step .sub { color: var(--slate); margin-bottom: 1.75rem; }

.form-group { margin-bottom: 1.25rem; }
.form-group label {
  display: block;
  font-weight: 500;
  font-size: 0.9rem;
  margin-bottom: 0.5rem;
  color: var(--navy);
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 0.875rem 1rem;
  border: 1.5px solid var(--border);
  border-radius: 6px;
  font-family: var(--body);
  font-size: 1rem;
  color: var(--navy);
  background: white;
  transition: border-color 0.2s;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201, 169, 97, 0.15);
}

.option-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 0.75rem;
  margin-bottom: 1rem;
}
.option-card {
  padding: 1rem 1.25rem;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  background: white;
  cursor: pointer;
  font-weight: 500;
  text-align: center;
  transition: all 0.2s;
  color: var(--navy);
  font-size: 0.95rem;
}
.option-card:hover { border-color: var(--gold); background: var(--cream); }
.option-card.selected {
  border-color: var(--gold);
  background: var(--cream);
  font-weight: 600;
}
.option-card.selected::after {
  content: ' ✓';
  color: var(--gold);
}

.form-nav {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  margin-top: 2rem;
}

.consent {
  background: var(--cream);
  padding: 1rem;
  border-radius: 6px;
  font-size: 0.8rem;
  color: var(--slate);
  margin-top: 1rem;
  line-height: 1.5;
}
.consent label { display: flex; gap: 0.5rem; align-items: flex-start; cursor: pointer; }
.consent input[type="checkbox"] { margin-top: 3px; flex-shrink: 0; }

/* ==================== CALCULATOR ==================== */
.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 3rem;
  align-items: start;
}
.calc-inputs {
  background: white;
  padding: 2rem;
  border-radius: 12px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
}
.calc-result {
  background: var(--navy);
  color: white;
  padding: 2.5rem;
  border-radius: 12px;
  position: sticky;
  top: 100px;
}
.calc-result .label {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.7);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 0.5rem;
}
.calc-result .payment {
  font-family: var(--display);
  font-size: 3.5rem;
  font-weight: 700;
  color: var(--gold-bright);
  line-height: 1;
  margin-bottom: 0.25rem;
}
.calc-result .per { color: rgba(255, 255, 255, 0.7); font-size: 0.9rem; margin-bottom: 2rem; }
.calc-breakdown { border-top: 1px solid rgba(255, 255, 255, 0.15); padding-top: 1.5rem; }
.calc-breakdown .row {
  display: flex;
  justify-content: space-between;
  padding: 0.625rem 0;
  font-size: 0.95rem;
}
.calc-breakdown .row span:last-child { font-weight: 600; }
.calc-breakdown .row.total {
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  margin-top: 0.5rem;
  padding-top: 1rem;
  color: var(--gold-bright);
  font-weight: 600;
}
.slider-wrap { margin-bottom: 1.5rem; }
.slider-wrap .head {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 0.5rem;
}
.slider-wrap .head label { font-weight: 500; font-size: 0.9rem; }
.slider-wrap .head .val {
  font-family: var(--display);
  font-weight: 600;
  color: var(--navy);
  font-size: 1.125rem;
}
.slider-wrap input[type="range"] {
  width: 100%;
  height: 6px;
  -webkit-appearance: none;
  appearance: none;
  background: var(--border);
  border-radius: 3px;
  outline: none;
}
.slider-wrap input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  background: var(--gold);
  border-radius: 50%;
  cursor: pointer;
  border: 2px solid white;
  box-shadow: var(--shadow-sm);
}
.slider-wrap input[type="range"]::-moz-range-thumb {
  width: 20px;
  height: 20px;
  background: var(--gold);
  border-radius: 50%;
  cursor: pointer;
  border: 2px solid white;
}

/* ==================== BLOG ==================== */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 2rem;
}
.blog-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: 8px;
  overflow: hidden;
  transition: all 0.25s;
}
.blog-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.blog-card .img {
  aspect-ratio: 16/9;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-bright);
  font-family: var(--display);
  font-size: 1.5rem;
  font-weight: 700;
}
.blog-card .body { padding: 1.5rem; }
.blog-card .date {
  font-size: 0.75rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: 0.5rem;
}
.blog-card h3 { font-size: 1.25rem; margin-bottom: 0.5rem; }
.blog-card p { color: var(--slate); font-size: 0.9rem; }

/* ==================== PAGE HEADERS ==================== */
.page-header {
  background: linear-gradient(135deg, var(--navy-deep), var(--navy));
  color: white;
  padding: 5rem 0 4rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-header::after {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 70% 30%, rgba(201, 169, 97, 0.15), transparent 50%);
  pointer-events: none;
}
.page-header .container { position: relative; z-index: 1; }
.page-header h1 { color: white; }
.page-header p { color: rgba(255, 255, 255, 0.85); margin-top: 1rem; max-width: 600px; margin-left: auto; margin-right: auto; }
.breadcrumb {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 1rem;
}
.breadcrumb a { color: var(--gold-bright); }

/* ==================== LOAN DETAIL PAGE ==================== */
.loan-detail {
  display: grid;
  grid-template-columns: 1fr 350px;
  gap: 3rem;
  padding: 4rem 0;
}
.loan-detail .content h2 { margin-top: 2.5rem; margin-bottom: 1rem; }
.loan-detail .content h2:first-child { margin-top: 0; }
.loan-detail .content p { margin-bottom: 1rem; color: var(--navy); line-height: 1.75; }
.loan-detail .content ul {
  margin-bottom: 1.5rem;
  padding-left: 0;
  list-style: none;
}
.loan-detail .content ul li {
  padding: 0.625rem 0 0.625rem 2rem;
  position: relative;
  border-bottom: 1px solid var(--border);
}
.loan-detail .content ul li:before {
  content: '✓';
  position: absolute;
  left: 0;
  top: 0.625rem;
  width: 22px;
  height: 22px;
  background: var(--cream);
  color: var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.8rem;
}
.sidebar {
  position: sticky;
  top: 100px;
  background: var(--cream);
  border-radius: 12px;
  padding: 2rem;
  border: 1px solid var(--border);
  height: fit-content;
}
.sidebar h3 { margin-bottom: 1rem; font-size: 1.25rem; }
.sidebar .btn { width: 100%; margin-bottom: 0.625rem; }

/* ==================== MOBILE ==================== */
@media (max-width: 1024px) {
  .hero-grid, .split, .calc-grid, .loan-detail { grid-template-columns: 1fr; gap: 2.5rem; }
  .calc-result { position: static; }
  .sidebar { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .mobile-toggle { display: block; }
  nav.main-nav {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: white;
    border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow-md);
    flex-direction: column;
    align-items: stretch;
    padding: 1rem;
    display: none;
  }
  nav.main-nav.open { display: flex; }
  nav.main-nav ul { flex-direction: column; align-items: stretch; gap: 0; width: 100%; }
  nav.main-nav a { padding: 0.875rem; border-bottom: 1px solid var(--border); }
  .dropdown-menu {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    border: none;
    padding: 0 0 0 1rem;
    background: var(--cream);
    margin-top: 0;
    margin-bottom: 0.5rem;
  }
  .top-bar-left { display: none; }
  .hero { padding: 3rem 0 4rem; }
  .hero-stats { flex-wrap: wrap; gap: 1.5rem; }
  .feature-strip .container { grid-template-columns: 1fr; gap: 1.5rem; }
  .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
  .form-card { padding: 1.5rem; }
  header .container > .btn-primary { display: none; }
}