/* ============================================
   Rajendra Mortgage - Exact Figma Match
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&family=Unbounded:wght@400;500&display=swap');

/* --- CSS Variables (exact from Figma) --- */
:root {
  --white-color: rgba(255, 255, 255, 1);
  --blue-light: rgba(212, 225, 238, 1);
  --green-light: rgba(135, 214, 154, 1);
  --paragraph-color: rgba(117, 117, 117, 1);
  --secondry-color: rgba(65, 169, 80, 1);
  --text-color: rgba(37, 43, 49, 1);
  --app-background: rgba(255, 255, 255, 1);
  --dark-text: #0d1017;
  --hero-gradient: linear-gradient(91deg, rgba(20, 28, 39, 1) 0%, rgba(24, 46, 68, 1) 100%);
  --primary-gradient: linear-gradient(180deg, rgba(27, 47, 61, 1) 0%, rgba(26, 46, 90, 1) 100%);
  --primary-gradient-h: linear-gradient(90deg, rgba(27, 47, 61, 1) 0%, rgba(26, 46, 90, 1) 100%);
  --section-bg: #f2f1ee;
  --dark-bg: #0d1017;
}

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

html {
  scroll-behavior: smooth;
}

body {
  font-family: 'Inter', Helvetica, sans-serif;
  color: var(--dark-text);
  background: var(--white-color);
  line-height: 1.6;
  overflow-x: hidden;
}

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

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

ul {
  list-style: none;
}

button {
  cursor: pointer;
  border: none;
  background: none;
  font-family: inherit;
}

/* --- Container --- */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.container-wide {
  max-width: 1440px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ============================================
   NAVBAR (white card inside hero)
   ============================================ */
.nav-card {
  background: var(--white-color);
  border-radius: 12px;
  box-shadow: 0px 10px 10px -3.75px rgba(0, 0, 0, 0.06), 0px 2.29px 2.29px -2.5px rgba(0, 0, 0, 0.16), 0px 0.6px 0.6px -1.25px rgba(0, 0, 0, 0.18);
  padding: 8px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  min-height: 76px;
}

.nav-logos {
  display: flex;
  align-items: center;
  gap: 13px;
  flex-shrink: 0;
  text-decoration: none;
}

.nav-logos img {
  object-fit: cover;
}

.nav-links {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 22px;
  flex: 1;
}

.nav-links a,
.nav-links button {
  font-size: 14px;
  font-weight: 400;
  color: var(--dark-text);
  white-space: nowrap;
  display: flex;
  align-items: center;
  gap: 4px;
  transition: opacity 0.2s;
}

.nav-links a:hover,
.nav-links button:hover {
  opacity: 0.7;
}

.btn-apply {
  display: flex;
  align-items: center;
  background: var(--primary-gradient);
  border-radius: 8px;
  overflow: hidden;
  box-shadow: inset 0px -4px 8px rgba(255, 255, 255, 0.1), inset 0px 4px 10px rgba(255, 255, 255, 0.1);
  flex-shrink: 0;
  transition: opacity 0.2s;
  width:fit-content;
}

.btn-apply:hover {
  opacity: 0.9;
}

.btn-apply-text {
  display: flex;
  align-items: center;
  justify-content: center;
  height: 44px;
  padding: 0 16px 0 26px;
  font-size: 16px;
  color: var(--white-color);
  white-space: nowrap;
}

.btn-apply-icon {
  width: 40px;
  height: 36px;
  object-fit: contain;
}

/* Mobile hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}

.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--dark-text);
  border-radius: 2px;
  transition: all 0.3s;
}

.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 Nav Backdrop ── */
.mobile-nav-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0, 0, 0, 0.55);
  z-index: 998;
  backdrop-filter: blur(3px);
  -webkit-backdrop-filter: blur(3px);
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.35s ease;
}

.mobile-nav-overlay.open {
  opacity: 1;
  pointer-events: auto;
}

/* ── Mobile Nav Panel (slides from LEFT) ── */
.mobile-nav {
  display: none;
  position: fixed;
  top: 0;
  left: 0;
  bottom: 0;
  width: 280px;
  background: linear-gradient(180deg, rgba(20, 28, 39, 1) 0%, rgba(24, 46, 68, 1) 100%);
  z-index: 999;
  flex-direction: column;
  align-items: stretch;
  justify-content: flex-start;
  gap: 0;
  padding: 0;
  transform: translateX(-100%);
  transition: transform 0.35s cubic-bezier(0.4, 0, 0.2, 1);
  overflow-y: auto;
}

.mobile-nav.open {
  transform: translateX(0);
}

.mobile-nav-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 20px 16px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.mobile-nav-logo {
  width: 52px;
  height: 52px;
  object-fit: cover;
  border-radius: 8px;
}

.mobile-close {
  color: rgba(255, 255, 255, 0.7);
  font-size: 1.6rem;
  line-height: 1;
  padding: 4px 8px;
  transition: color 0.2s;
  background: none;
  border: none;
  cursor: pointer;
}

.mobile-close:hover {
  color: #fff;
}

.mobile-nav-links {
  display: flex;
  flex-direction: column;
  padding: 16px 0;
  flex: 1;
}

.mobile-nav a,
.mobile-nav-links button {
  color: rgba(255, 255, 255, 0.85);
  font-size: 1rem;
  font-weight: 400;
  padding: 14px 24px;
  text-align: left;
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
  transition: color 0.2s, background 0.2s;
  display: block;
  width: 100%;
  background: none;
  border-left: 3px solid transparent;
  font-family: inherit;
  cursor: pointer;
}

.mobile-nav a:hover,
.mobile-nav-links button:hover {
  color: var(--secondry-color);
  background: rgba(255, 255, 255, 0.04);
  border-left-color: var(--secondry-color);
}

.mobile-nav a.active-link {
  color: var(--secondry-color);
  border-left-color: var(--secondry-color);
}

.mobile-nav-footer {
  padding: 20px 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.mobile-nav-footer .btn-apply {
  width: 100%;
  border-radius: 8px;
  justify-content: center;
}

/* ============================================
   HERO SECTION
   ============================================ */
.hero {
  background: var(--hero-gradient);
  position: relative;
  overflow: hidden;
  width: 100%;
}

.hero-inner {
  position: relative;
  max-width: 1440px;
  margin: 0 auto;
  min-height: 860px;
  padding: 24px 40px 0;
  display: flex;
  flex-direction: column;
}

/* Background glow effects */
.hero-glow-1 {
  position: absolute;
  left: 54%;
  top: 15px;
  width: 813px;
  height: 1103px;
  background: #21445c;
  opacity: 0.5;
  filter: blur(259px);
  pointer-events: none;
}

.hero-glow-2 {
  position: absolute;
  left: 55%;
  top: 410px;
  width: 1095px;
  height: 868px;
  border-radius: 547px / 434px;
  background: var(--primary-gradient);
  box-shadow: inset 0px -4px 150px rgba(255, 255, 255, 0.1), inset 0px 4px 80px rgba(255, 255, 255, 0.1);
  transform: rotate(-25.74deg);
  pointer-events: none;
}

.hero-bg-image {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: right center;
  pointer-events: none;
}

.hero-content-grid {
  position: relative;
  z-index: 10;
  max-width: 1100px;
  width: 100%;
  margin: 24px auto 0;
  display: grid;
  grid-template-columns: 1fr 540px;
  gap: 24px;
  align-items: flex-end;
  flex: 1;
}

.hero-left {
  order: 1;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  min-height: 640px;
  padding-bottom: 56px;
}

.hero-top-images {
  display: flex;
  align-items: flex-start;
  gap: 40px;
  margin-bottom: 24px;
}

.hero-heading {
  max-width: 540px;
  font-size: 42px;
  font-weight: 400;
  line-height: 1.28;
  letter-spacing: -1px;
  color: transparent;
}

.hero-heading .text-white {
  color: white;
  letter-spacing: -0.26px;
}

.hero-heading .text-green {
  color: var(--secondry-color);
  font-weight: 700;
  font-style: italic;
  letter-spacing: -0.26px;
}

.hero-right {
  order: 2;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  align-self: stretch;
}

.hero-image-wrapper {
  position: relative;
  width: 100%;
  align-self: flex-end;
}

.hero-person-img {
  display: block;
  margin-left: auto;
  margin-top: auto;
  width: 100%;
  max-width: 521px;
}

.hero-name-card {
  position: absolute;
  bottom: 158px;
  left: 18px;
  width: 335px;
  max-width: calc(100% - 36px);
}

.hero-name-card-inner {
  position: relative;
  height: 114px;
}

.hero-name-card-bg {
  position: absolute;
  inset: 0;
  width: 331px;
  height: 114px;
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.69);
  opacity: 0.2;
  box-shadow: inset 0px -4px 150px rgba(255, 255, 255, 0.1), inset 0px 4px 80px rgba(255, 255, 255, 0.1);
}

.hero-name-text {
  position: absolute;
  left: 44px;
  top: 24px;
  height: 28px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Unbounded', Helvetica;
  font-size: 22.9px;
  font-weight: 500;
  color: var(--white-color);
  letter-spacing: -0.57px;
  white-space: nowrap;
}

.hero-name-underline {
  position: absolute;
  left: 107px;
  top: 64px;
  height: 2px;
  width: 116px;
  background: linear-gradient(232deg, rgba(255, 255, 255, 0) 0%, rgba(65, 169, 80, 1) 46%, rgba(255, 255, 255, 0) 100%);
}

.hero-name-title {
  position: absolute;
  left: 85px;
  top: 76px;
  font-family: 'Unbounded', Helvetica;
  font-size: 11.4px;
  font-weight: 400;
  color: var(--secondry-color);
  letter-spacing: 1.14px;
  text-align: center;
}

/* ============================================
   MORTGAGE SOLUTIONS SECTION
   ============================================ */
.solutions-section {
  background: var(--white-color);
  padding: 20px 16px 64px;
  position: relative;
  overflow: hidden;
}

.solutions-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.solutions-label {
  font-size: 20.1px;
  font-weight: 500;
  line-height: 26.4px;
  color: var(--paragraph-color);
  text-align: center;
  margin-bottom: 32px;
}

.solutions-heading-wrapper {
  position: relative;
  width: 100%;
  margin-bottom: 40px;
}

.solutions-heading-img {
  display: block;
  margin: 0 auto;
  width: 100%;
  max-width: 555px;
  height: auto;
}

.solutions-annotation {
  position: absolute;
  right: 0;
  top: 4px;
  width: 245px;
  height: 75px;
  pointer-events: none;
}

.solutions-annotation-text {
  position: absolute;
  left: 14px;
  top: 0;
  font-family: 'Comic Sans MS', 'Comic Sans', cursive;
  font-size: 16.4px;
  font-weight: 400;
  line-height: 16.9px;
  letter-spacing: 1px;
  color: var(--secondry-color);
  white-space: nowrap;
}

.solutions-annotation-arrow {
  position: absolute;
  left: 0;
  top: 15px;
  width: 61px;
  height: 61px;
}

.solutions-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 48px;
  width: 100%;
  max-width: 980px;
}

.solution-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.solution-icon {
  height: 59px;
  width: auto;
  object-fit: contain;
  margin-bottom: 12px;
}

.solution-title {
  font-size: 22px;
  font-weight: 500;
  line-height: 23.4px;
  color: var(--dark-text);
}

.solution-desc {
  margin-top: 12px;
  max-width: 278px;
  font-size: 16.6px;
  font-weight: 400;
  line-height: 23.4px;
  color: var(--dark-text);
  opacity: 0.8;
}

/* ============================================
   PROCESS SECTION (dark gradient)
   ============================================ */
.process-section {
  background: var(--primary-gradient-h);
  padding: 80px 16px;
}

.process-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.process-eyebrow {
  font-size: 20.3px;
  font-weight: 400;
  line-height: 26.4px;
  color: var(--white-color);
  text-align: center;
  margin-bottom: 15px;
}

.process-heading {
  font-size: 46.3px;
  font-weight: 400;
  line-height: 57.6px;
  letter-spacing: -1px;
  color: var(--white-color);
  text-align: center;
  margin-bottom: 56px;
}

.process-card {
  width: 100%;
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.02);
  overflow: hidden;
}

.process-card-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-height: 758px;
}

/* Left panel */
.process-left {
  position: relative;
  overflow: hidden;
  background: transparent;
}

.process-left-content {
  position: relative;
  z-index: 10;
  height: 100%;
  display: flex;
  flex-direction: column;
  padding: 40px;
  justify-content: space-between;
}

.process-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  height: 40px;
  padding: 0 16px;
  border: 1px solid var(--secondry-color);
  border-radius: 8px;
  background: #f1fff4;
  box-shadow: inset 0px -4px 4px rgba(255, 255, 255, 0.03), inset 0px 4px 4px rgba(255, 255, 255, 0.05);
  font-size: 16.7px;
  color: #329a41;
  line-height: 23.4px;
  width: fit-content;
  margin-bottom: 24px;
}

.process-left-heading {
  font-size: 37.3px;
  font-weight: 400;
  line-height: 48px;
  letter-spacing: -1px;
  color: var(--white-color);
  max-width: 486px;
  margin-bottom: 16px;
}

.process-left-desc {
  font-size: 18px;
  font-weight: 500;
  line-height: 26.4px;
  color: var(--white-color);
  max-width: 528px;
  margin-bottom: 24px;
}

.process-desc-body {
  font-size: 16px;
  font-weight: 400;
  line-height: 26.4px;
  color: var(--white-color);
  max-width: 380px;
  margin-bottom: 24px;
}

.btn-white {
  display: inline-flex;
  align-items: center;
  background: var(--white-color);
  border-radius: 8px;
  overflow: hidden;
  box-shadow: inset 0px -4px 8px rgba(255, 255, 255, 0.1), inset 0px 4px 10px rgba(255, 255, 255, 0.1);
  width: fit-content;
  transition: opacity 0.2s;
}

.btn-white:hover {
  opacity: 0.9;
}

.btn-white-text {
  display: flex;
  align-items: center;
  height: 44px;
  padding: 0 8px 0 16px;
  font-size: 14.8px;
  color: var(--dark-text);
  gap: 16px;
}

.btn-white-icon {
  width: 40px;
  height: 36px;
  object-fit: contain;
}

.process-logos {
  display: flex;
  flex-direction: column;
  gap: 16px;
  max-width: 400px;
  margin-top: 40px;
}

.process-logos img {
  height: 51px;
  width: 100%;
}

/* Right panel */
.process-right {
  background: rgba(255, 255, 255, 0.03);
  padding: 40px;
}

.process-steps-list {
  display: flex;
  flex-direction: column;
  gap: 24px;
  height: 100%;
  justify-content: center;
}

.process-step {
  display: grid;
  grid-template-columns: 140px 1fr;
  gap: 24px;
  align-items: flex-start;
}

.process-step-icon {
  width: 140px;
  height: 140px;
  flex-shrink: 0;
}

.process-step-content {
  padding-top: 12px;
}

.process-step-labels {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 4px;
  margin-bottom: 12px;
}

.step-label-green {
  font-size: 15px;
  font-weight: 500;
  line-height: 20.8px;
  color: var(--green-light);
}

.step-label-white {
  font-size: 16px;
  font-weight: 600;
  line-height: 20.8px;
  color: var(--white-color);
}

.process-step-desc {
  font-size: 14px;
  font-weight: 300;
  line-height: 20px;
  letter-spacing: -0.5px;
  color: var(--white-color);
  max-width: 340px;
}

/* ============================================
   BENEFITS SECTION (bg #f2f1ee)
   ============================================ */
.benefits-section {
  background: var(--section-bg);
  padding: 80px 16px;
}

.benefits-inner {
  max-width: 1200px;
  margin: 0 auto;
}

.benefits-header {
  text-align: center;
  margin-bottom: 40px;
}

.benefits-eyebrow {
  font-size: 20.5px;
  font-weight: 400;
  line-height: 26.4px;
  color: var(--dark-text);
  opacity: 0.5;
  margin-bottom: 16px;
}

.benefits-heading-img {
  display: block;
  margin: 0 auto;
  width: 100%;
  max-width: 575px;
}

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

/* Benefit cards list */
.benefit-cards {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.benefit-card {
  background: var(--white-color);
  border: 1px solid #e8e8e8;
  border-radius: 12px;
  min-height: 102px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  gap: 16px;
}

.benefit-card h3 {
  font-size: 22px;
  font-weight: 400;
  line-height: 26.4px;
  color: var(--dark-text);
}

.benefit-card-icon {
  width: 40px;
  height: 36px;
  object-fit: contain;
  flex-shrink: 0;
}

/* Savings Highlight Card */
.savings-card {
  position: relative;
  border: 1px solid rgba(255, 255, 255, 0.8);
  border-radius: 12px;
  background: var(--dark-bg);
  overflow: hidden;
  min-height: 573px;
  box-shadow: 0px 4px 24px rgba(0, 0, 0, 0.15);
}

.savings-card-photo {
  position: absolute;
  inset-y: 0;
  right: -12%;
  height: 100%;
  width: auto;
  max-width: none;
  object-fit: cover;
}

.savings-card-photo-2 {
  position: absolute;
  inset-y: 0;
  left: 28%;
  height: 100%;
  width: auto;
  max-width: none;
  display: none;
}

.savings-card-inner-border {
  position: absolute;
  inset: 4px;
  border-radius: 11px;
  border: 1px solid rgba(255, 255, 255, 0.05);
  height: 250px;
}

.savings-card-content {
  position: relative;
  z-index: 10;
  display: flex;
  flex-direction: column;
  gap: 16px;
  padding: 69px 35px 73px;
  max-width: 360px;
  min-height: 573px;
  justify-content: flex-end;
  color: var(--white-color);
}

.savings-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  height: 28px;
  background: var(--secondry-color);
  border-radius: 6px;
  padding: 0 12px 0 10px;
  font-size: 14px;
  font-weight: 500;
  line-height: 20px;
  color: var(--white-color);
  width: fit-content;
}

.savings-badge img {
  width: 16px;
  height: 16px;
  flex-shrink: 0;
}

.savings-title {
  font-size: 30px;
  font-weight: 600;
  line-height: 42px;
  letter-spacing: -1px;
  color: var(--white-color);
  max-width: 321px;
}

.savings-eyebrow {
  font-size: 20px;
  font-weight: 500;
  line-height: 30px;
  letter-spacing: -1px;
  color: var(--white-color);
}

.savings-desc {
  font-size: 20px;
  font-weight: 400;
  line-height: 30px;
  letter-spacing: -1px;
  color: var(--white-color);
  max-width: 321px;
}

.btn-dark-gradient {
  display: inline-flex;
  align-items: center;
  background: var(--primary-gradient);
  border-radius: 8px;
  overflow: hidden;
  width: fit-content;
  padding: 4px 16px;
  margin-top: 8px;
  transition: opacity 0.2s;
}

.btn-dark-gradient:hover {
  opacity: 0.9;
}

.btn-dark-gradient span {
  font-size: 14.8px;
  font-weight: 500;
  line-height: 20.8px;
  color: var(--white-color);
}

.btn-dark-gradient img {
  width: 40px;
  height: 36px;
  object-fit: contain;
  flex-shrink: 0;
}

/* ============================================
   WHY CHOOSE ME SECTION
   ============================================ */
.why-section {
  background: var(--white-color);
  padding: 48px 16px 56px;
}

.why-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.why-heading-wrapper {
  position: relative;
  width: 100%;
  margin-bottom: 32px;
}

.why-heading-img {
  display: block;
  margin: 0 auto;
  width: 100%;
  max-width: 331px;
}

.why-annotation {
  position: absolute;
  right: 0;
  top: 0;
  width: 216px;
  height: 99px;
  pointer-events: none;
}

.why-annotation-text {
  position: absolute;
  left: 14px;
  top: 0;
  height: 34px;
  width: 200px;
  display: flex;
  align-items: center;
  font-family: 'Comic Sans MS', 'Comic Sans', cursive;
  font-size: 16.4px;
  font-weight: 400;
  line-height: 16.9px;
  letter-spacing: 1px;
  color: var(--secondry-color);
}

.why-annotation-img {
  position: absolute;
  right: 46px;
  top: 24px;
  width: 170px;
  height: 76px;
}

/* Grid of reasons */
.why-reasons-wrapper {
  width: 100%;
  border-radius: 20px;
  background: #edf1f6;
  padding: 24px;
}

.why-reasons-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  border-radius: 20px;
  overflow: hidden;
  border: 1px solid transparent;
}

.reason-card {
  background: var(--white-color);
  border: 1px solid #d8dde5;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 40px 24px;
  min-height: 208px;
  transition: transform 0.2s, box-shadow 0.2s;
}

.reason-card-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  max-width: 336px;
}

.reason-icon {
  width: 32px;
  height: 32px;
  object-fit: contain;
  margin-bottom: 20px;
}

.reason-title {
  font-size: 22px;
  font-weight: 500;
  line-height: 26.4px;
  color: var(--dark-text);
  margin-bottom: 20px;
}

.reason-desc {
  font-size: 16.7px;
  font-weight: 400;
  line-height: 23.4px;
  color: var(--paragraph-color);
}

/* ============================================
   VALUE PROPOSITION SECTION
   ============================================ */
.value-section {
  background: var(--primary-gradient-h);
  position: relative;
  overflow: hidden;
  padding: 100px 16px;
}

.value-inner {
  max-width: 1200px;
  margin: 0 auto;
}

.value-header {
  max-width: 960px;
  margin: 0 auto;
  text-align: center;
  margin-bottom: 48px;
}

.value-eyebrow {
  font-size: 20.3px;
  font-weight: 400;
  line-height: 26.4px;
  color: white;
  opacity: 0.8;
  white-space: nowrap;
  margin-bottom: 16px;
}

.value-heading {
  font-size: 46.5px;
  font-weight: 400;
  line-height: 57.6px;
  letter-spacing: -1px;
  color: var(--white-color);
}

.value-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  max-width: 1000px;
  margin: 0 auto;
}

.value-card {
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.04);
  backdrop-filter: blur(2.75px);
  min-height: 137px;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 32px 24px;
}

.value-card p {
  font-size: 26px;
  font-weight: 400;
  line-height: 30px;
  color: var(--white-color);
  text-align: center;
}

/* ============================================
   TOGETHER SECTION
   ============================================ */
.together-section {
  background: var(--white-color);
  position: relative;
  overflow: hidden;
}

.together-globe-wrapper {
  position: relative;
}

.together-globe-img {
  width: 100%;
  max-width: 1559px;
  height: auto;
  object-fit: cover;
  display: block;
  margin: 0 auto;
}

.together-gradient-fade {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 176px;
  background: linear-gradient(180deg, rgba(242, 241, 238, 0) 0%, rgba(255, 255, 255, 1) 100%);
}

.together-content {
  position: relative;
  z-index: 10;
  margin-top: -24px;
  padding: 0 16px 64px;
}

.together-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.together-eyebrow {
  font-size: 20.6px;
  font-weight: 400;
  line-height: 26.4px;
  color: var(--paragraph-color);
  text-align: center;
  margin-top: 56px;
  margin-bottom: 8px;
}

.together-heading {
  font-size: 46.5px;
  font-weight: 400;
  line-height: 57.6px;
  letter-spacing: -1px;
  color: var(--dark-text);
  text-align: center;
  margin-bottom: 20px;
}

.together-desc {
  max-width: 705px;
  font-size: 14px;
  font-weight: 400;
  line-height: 20px;
  color: var(--paragraph-color);
  text-align: center;
  margin-bottom: 28px;
}

.together-community {
  position: relative;
  width: 100%;
  max-width: 954px;
  margin-top: 40px;
}

.community-img {
  width: 100%;
  height: auto;
  object-fit: cover;
}

.community-attachment {
  position: absolute;
  right: 0.6%;
  top: 9.2%;
  width: 20.9%;
  height: auto;
  object-fit: cover;
}

.support-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  width: 100%;
  max-width: 700px;
  margin-top: 32px;
}

.support-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 8px;
}

.support-icon {
  width: auto;
  height: 38px;
  object-fit: contain;
  margin-bottom: 16px;
}

.support-title {
  font-size: 17px;
  font-weight: 400;
  line-height: 23.4px;
  color: var(--dark-text);
  margin-bottom: 5px;
}

.support-action {
  font-size: 14px;
  font-weight: 400;
  font-style: italic;
  line-height: 23.4px;
  background: var(--primary-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  text-decoration: underline;
}

/* ============================================
   MORTGAGE PARTNERS / TESTIMONIAL SECTION
   ============================================ */
.partners-section {
  background: var(--dark-bg);
  padding: 0 16px;
  position: relative;
}

.dark-top-overlay {
  position: absolute;
  left: 0;
  top: 0;
  right: 0;
  height: 137px;
  background: linear-gradient(180deg, rgba(10, 10, 10, 1) 0%, rgba(10, 10, 10, 0) 100%);
}

.partners-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  align-items: center;
  position: relative;
  z-index: 10;
  padding-bottom: 32px;
}

.partners-annotation {
  display: flex;
  justify-content: flex-end;
  width: 100%;
  margin-bottom: 32px;
}

.partners-annotation-box {
  position: relative;
  width: 262px;
  height: 75px;
}

.partners-annotation-text {
  position: absolute;
  bottom: 8px;
  right: -46px;
  width: 238px;
  height: 43px;
  display: flex;
  align-items: center;
  font-family: 'Comic Sans MS', 'Comic Sans', cursive;
  font-size: 16.4px;
  font-weight: 400;
  line-height: 16.9px;
  letter-spacing: 1px;
  color: var(--secondry-color);
}

.partners-annotation-arrow {
  position: absolute;
  bottom: -16px;
  left: -13px;
  width: 83px;
  height: 83px;
}

/* Testimonial card */
.testimonial-card {
  width: 100%;
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.04);
  backdrop-filter: blur(1px);
  position: relative;
  overflow: hidden;
}

.testimonial-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 50px 104px;
  min-height: 386px;
  position: relative;
}

.testimonial-quote-icon {
  width: 44px;
  height: 37px;
  object-fit: contain;
  flex-shrink: 0;
  margin-bottom: 15px;
}

.testimonial-text {
  max-width: 922px;
  font-size: 22.1px;
  font-weight: 400;
  line-height: 28.8px;
  color: var(--white-color);
  text-align: center;
  margin-bottom: 40px;
}

.testimonial-avatar {
  width: 90px;
  height: 90px;
  border-radius: 100px;
  border: 1px solid var(--dark-bg);
  background-size: cover;
  background-position: center;
  flex-shrink: 0;
  margin-bottom: 24px;
}

.testimonial-name {
  font-size: 20.3px;
  font-weight: 400;
  line-height: 26.4px;
  color: var(--white-color);
  white-space: nowrap;
}

.testimonial-arrow {
  position: absolute;
  left: 8.666%;
  top: 189px;
  width: 87px;
  height: 88px;
  pointer-events: none;
}

/* Partners heading + logo band */
.partners-heading {
  font-size: 45.4px;
  font-weight: 400;
  line-height: 57.6px;
  letter-spacing: -1px;
  color: var(--dark-text);
  text-align: center;
  margin-top: 32px;
}

.partners-logo-band {
  width: 100%;
  max-width: 1440px;
  height: 56px;
  margin-top: 16px;
}

/* ============================================
   FAQ SECTION
   ============================================ */
.faq-section {
  background: var(--primary-gradient-h);
  padding: 112px 64px;
  position: relative;
  overflow: hidden;
}

.faq-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.faq-eyebrow {
  font-size: 20.8px;
  font-weight: 400;
  line-height: 26.4px;
  color: #bababa;
  text-align: center;
  margin-bottom: 15px;
}

.faq-heading {
  font-size: 46.7px;
  font-weight: 400;
  line-height: 1.18;
  letter-spacing: -1px;
  text-align: center;
  max-width: 408px;
  margin-bottom: 72px;
}

.faq-heading .faq-white {
  color: white;
  letter-spacing: -0.47px;
}

.faq-heading .faq-light {
  color: #ddecf4;
  letter-spacing: -0.47px;
}

.faq-list {
  width: 100%;
  max-width: 800px;
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.faq-item {
  border-radius: 4px;
  overflow: hidden;
  background: rgba(255, 255, 255, 0.04);
}

.faq-question-btn {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 28px 24px;
  min-height: 80px;
  text-align: left;
  font-size: 18.1px;
  font-weight: 500;
  line-height: 20px;
  color: var(--white-color);
  gap: 16px;
  transition: background 0.2s;
}

.faq-question-btn:hover {
  background: rgba(255, 255, 255, 0.04);
}

.faq-question-btn span {
  display: block;
  padding-right: 16px;
  max-width: 677px;
}

.faq-chevron {
  width: 32px;
  height: 32px;
  flex-shrink: 0;
  border: 2px solid rgba(255, 255, 255, 0.4);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: transform 0.3s;
  color: white;
}

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

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease;
}

.faq-item.open .faq-answer {
  max-height: 300px;
}

.faq-answer-inner {
  padding: 0 24px 24px;
  font-size: 14.4px;
  font-weight: 400;
  line-height: 24px;
  color: var(--white-color);
  max-width: 741px;
}

.faq-footer {
  margin-top: 72px;
  max-width: 310px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
  text-align: center;
}

.faq-footer-text {
  font-size: 20.6px;
  font-weight: 400;
  line-height: 26.4px;
  color: #d1d1d1;
}

.btn-white-contact {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  background: var(--white-color);
  border-radius: 8px;
  padding: 8px 16px;
  box-shadow: inset 0px -4px 8px rgba(255, 255, 255, 0.1), inset 0px 4px 10px rgba(255, 255, 255, 0.1);
  transition: opacity 0.2s;
}

.btn-white-contact:hover {
  opacity: 0.9;
}

.btn-white-contact span {
  font-size: 14.6px;
  font-weight: 400;
  line-height: 20.8px;
  background: var(--primary-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ============================================
   FOOTER (blue-light bg)
   ============================================ */
.site-footer {
  background: var(--blue-light);
  width: 100%;
}

.footer-inner {
  max-width: 1440px;
  margin: 0 auto;
  padding: 73px 157px;
}

.footer-grid {
  display: grid;
  grid-template-columns: minmax(320px, 380px) 173px minmax(280px, 302px);
  gap: 48px;
  align-items: flex-start;
  justify-content: space-between;
}

.footer-logo-img {
  width: 130px;
  height: 130px;
  object-fit: cover;
}

.footer-tagline-img {
  margin-top: 17px;
  width: 100%;
  max-width: 380px;
  height: 54px;
}

.footer-social-img {
  margin-top: 29px;
  width: 196px;
  height: 40px;
}

.footer-col h2 {
  font-size: 20.6px;
  font-weight: 400;
  line-height: 26.4px;
  color: var(--dark-text);
  margin-bottom: 15px;
}

.footer-col ul {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-col ul li,
.footer-col ul button {
  font-size: 15px;
  font-weight: 400;
  line-height: 20.8px;
  color: var(--paragraph-color);
  transition: opacity 0.2s;
  text-align: left;
}

.footer-col ul button:hover,
.footer-col ul a:hover {
  opacity: 0.7;
}

.footer-contact h2 {
  font-size: 20.6px;
  font-weight: 400;
  line-height: 26.4px;
  color: var(--dark-text);
}

.footer-contact-role {
  font-size: 15.1px;
  font-weight: 400;
  line-height: 20.8px;
  color: var(--paragraph-color);
  margin-top: 31px;
}

.footer-contact-list {
  display: flex;
  flex-direction: column;
  gap: 30px;
  margin-top: 27px;
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
}

.footer-contact-icon {
  flex-shrink: 0;
  margin-top: 2px;
  object-fit: contain;
}

.footer-contact-text {
  font-size: 15.1px;
  font-weight: 400;
  line-height: 20.8px;
  color: var(--paragraph-color);
}

.footer-bottom {
  margin-top: 48px;
  padding-top: 48px;
  border-top: 1px dashed rgba(0, 0, 0, 0.2);
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
}

.footer-bottom p {
  font-size: 14.9px;
  font-weight: 400;
  line-height: 20.8px;
  color: var(--paragraph-color);
}

.footer-legal {
  display: flex;
  align-items: center;
  gap: 16px;
}

.footer-legal-sep {
  color: var(--paragraph-color);
}

.footer-legal-link {
  background: none;
  border: none;
  padding: 0;
  font-family: inherit;
  font-size: 13px;
  color: var(--paragraph-color);
  cursor: pointer;
  text-decoration: none;
}

.footer-legal-link:hover {
  opacity: 0.7;
}

.footer-legal button {
  font-size: 14.8px;
  font-weight: 400;
  color: var(--paragraph-color);
  transition: opacity 0.2s;
}

.footer-legal button:hover {
  opacity: 0.7;
}

/* Read More button */
.btn-read-more {
  display: flex;
  align-items: center;
  background: var(--primary-gradient);
  border-radius: 8px;
  overflow: hidden;
  box-shadow: inset 0px -4px 8px rgba(255, 255, 255, 0.1), inset 0px 4px 10px rgba(255, 255, 255, 0.1);
  transition: opacity 0.2s;
  width: fit-content;
}

.btn-read-more:hover {
  opacity: 0.9;
}

.btn-read-more-text {
  font-size: 16px;
  font-weight: 400;
  color: var(--white-color);
  padding: 10px 24px 10px 16px;
  display: flex;
  align-items: center;
}

.btn-read-more-icon {
  width: 40px;
  height: 36px;
  object-fit: contain;
}

/* ============================================
   SERVICES PAGE — VSL HERO
   ============================================ */
.svc-hero {
  background: var(--hero-gradient);
  position: relative;
  overflow: hidden;
  width: 100%;
}

.svc-hero-inner {
  position: relative;
  max-width: 1440px;
  margin: 0 auto;
  padding: 24px 40px 64px;
}

/* VSL Wrapper — white card inside hero */
.vsl-wrapper {
  max-width: 1167px;
  margin: 0 auto 40px;
  background: #fff;
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.2);
}

.vsl-inner {
  display: grid;
  grid-template-columns: 1fr 420px;
  min-height: 480px;
}

.vsl-left {
  padding: 56px 48px 56px 56px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 24px;
}

.vsl-heading {
  font-size: 40px;
  font-weight: 500;
  line-height: 1.25;
  letter-spacing: -1px;
  color: #0d1017;
}

.vsl-desc {
  font-size: 18px;
  font-weight: 400;
  line-height: 1.7;
  color: rgba(117, 117, 117, 1);
  max-width: 510px;
}

.vsl-right {
  background: #1b2f3d;
  overflow: hidden;
}

.vsl-image {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

/* Big white heading below VSL */
.svc-big-heading-wrap {
  max-width: 1167px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  padding: 0 8px;
}

.svc-big-heading {
  font-size: 60px;
  font-weight: 400;
  line-height: 1.15;
  letter-spacing: -1.5px;
  color: #fff;
  max-width: 900px;
}

/* Wave divider */
.svc-wave {
  background: var(--hero-gradient);
  margin-top: -2px;
}


.svc-subtitle {
  font-size: 24px;
  font-weight: 400;
  line-height: 1.5;
  color: rgba(219, 234, 254, 1);
  max-width: 896px;
  /* margin: 0 auto; */
}

/* ============================================
   SERVICES LIST (dark navy rows)
   ============================================ */
.svc-list-section {
  background: linear-gradient(180deg, rgba(27, 47, 61, 1) 0%, rgba(26, 46, 90, 1) 100%);
  padding: 64px 40px 80px;
}

.svc-list-inner {
  max-width: 1178px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.service-row {
  background: #fff;
  border-radius: 12px;
  overflow: hidden;
  display: grid;
  grid-template-columns: 500px 1fr;
  min-height: 430px;
}

.service-row-img {
  background: #e0e0e0;
  overflow: hidden;
}

.service-row-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.service-row-content {
  padding: 56px 48px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 20px;
}

.service-row-title {
  font-size: 36px;
  font-weight: 500;
  line-height: 1.2;
  letter-spacing: -0.5px;
  color: #0d1017;
}

.service-row-desc {
  font-size: 18px;
  font-weight: 400;
  line-height: 1.65;
  color: rgba(117, 117, 117, 1);
  max-width: 520px;
}

/* ============================================
   ABOUT PAGE — HERO
   ============================================ */
.about-hero {
  background: var(--hero-gradient);
  position: relative;
  overflow: hidden;
  width: 100%;
}

.about-hero-inner {
  position: relative;
  max-width: 1440px;
  margin: 0 auto;
  padding: 24px 40px 80px;
}

.about-hero-content {
  max-width: 1038px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.about-hero-heading {
  font-size: 60px;
  font-weight: 400;
  line-height: 1.15;
  letter-spacing: -1.5px;
  color: #fff;
  max-width: 900px;
}

/* ============================================
   ABOUT GOAL / STRONGHOLDS SECTION
   ============================================ */
.about-goal-section {
  background: #fff;
  padding: 80px 40px;
}

.about-goal-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 480px 1fr;
  gap: 64px;
  align-items: flex-start;
}

.about-photo-collage {
  border-radius: 16px;
  overflow: hidden;
  position: relative;
}

.about-collage-main {
  width: 100%;
  height: 520px;
  object-fit: cover;
  border-radius: 16px;
  display: block;
}

.about-goal-content {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
}

.about-goal-col {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.about-section-title {
  font-size: 46px;
  font-weight: 400;
  line-height: 1.2;
  letter-spacing: -0.5px;
  color: #0d1017;
}

.about-section-body {
  font-size: 20px;
  font-weight: 500;
  line-height: 1.6;
  color: rgba(117, 117, 117, 1);
}

.about-mission-text {
  font-size: 22px;
  font-weight: 500;
  line-height: 1.5;
  color: #0d1017;
}

.about-quality-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
}

.about-quality-icon {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: rgba(135, 214, 154, 0.3);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.about-quality-icon img {
  width: 36px;
  height: 36px;
  object-fit: contain;
}

.about-quality-title {
  font-size: 22px;
  font-weight: 500;
  color: #0d1017;
  margin-bottom: 6px;
}

.about-quality-desc {
  font-size: 16px;
  font-weight: 400;
  line-height: 1.6;
  color: rgba(117, 117, 117, 1);
}

/* ============================================
   ABOUT DARK BIO SECTION
   ============================================ */
.about-bio-dark {
  background: linear-gradient(90deg, rgba(27, 47, 61, 1) 0%, rgba(26, 46, 90, 1) 100%);
  padding: 80px 40px;
  position: relative;
  overflow: hidden;
}

.about-bio-inner {
  max-width: 1200px;
  margin: 0 auto;
}

.about-bio-grid {
  display: grid;
  grid-template-columns: 520px 1fr;
  gap: 64px;
  align-items: center;
}

.about-bio-photo-wrap {
  border-radius: 16px;
  overflow: hidden;
}

.about-bio-photo {
  width: 100%;
  height: 580px;
  object-fit: cover;
  border-radius: 16px;
  display: block;
}

.about-bio-content {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.about-bio-name {
  font-size: 46px;
  font-weight: 300;
  line-height: 1.2;
  letter-spacing: -1px;
  color: #fff;
}

.about-bio-role {
  font-size: 18px;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.8);
  margin-top: 4px;
}

.about-bio-underline {
  display: flex;
  align-items: center;
  gap: 0;
  margin-top: 12px;
}

.about-bio-underline-bar {
  width: 242px;
  height: 2px;
  background: rgba(73, 200, 91, 1);
}

.about-bio-underline-dot {
  width: 4px;
  height: 4px;
  border-radius: 50%;
  background: rgba(73, 200, 91, 1);
}

.about-bio-para {
  font-size: 16px;
  font-weight: 400;
  line-height: 1.75;
  color: rgba(255, 255, 255, 0.85);
  max-width: 540px;
}

.about-bio-btns {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-top: 8px;
}

.btn-outline-gradient {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  height: 44px;
  padding: 0 24px;
  border: 1.5px solid;
  border-image: var(--primary-gradient-h) 1;
  border-radius: 8px;
  background: transparent;
  font-size: 14.8px;
  font-weight: 400;
  background: var(--primary-gradient-h);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  border: 1.5px solid rgba(255, 255, 255, 0.4);
  border-radius: 8px;
  transition: opacity 0.2s;
}

.btn-outline-gradient:hover {
  opacity: 0.8;
}

/* ============================================
   ABOUT WHY SECTION
   ============================================ */
.about-why-section {
  background: var(--section-bg);
  padding: 80px 40px;
}

.about-why-inner {
  max-width: 1200px;
  margin: 0 auto;
  text-align: center;
}

.about-why-eyebrow {
  font-size: 20px;
  font-weight: 400;
  color: rgba(117, 117, 117, 1);
  margin-bottom: 8px;
}

.about-why-heading {
  font-size: 46px;
  font-weight: 400;
  line-height: 1.2;
  letter-spacing: -1px;
  color: #0d1017;
  margin-bottom: 48px;
}

.about-why-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  text-align: left;
}

.about-why-card {
  background: #fff;
  border-radius: 16px;
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.about-why-icon {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: rgba(135, 214, 154, 0.25);
  display: flex;
  align-items: center;
  justify-content: center;
}

.about-why-icon img {
  width: 34px;
  height: 34px;
  object-fit: contain;
}

.about-why-title {
  font-size: 22px;
  font-weight: 500;
  color: #0d1017;
}

.about-why-desc {
  font-size: 16px;
  font-weight: 400;
  line-height: 1.6;
  color: rgba(117, 117, 117, 1);
}

/* ============================================
   RESPONSIVE
   ============================================ */
@media (max-width: 1024px) {
  .hero-content-grid {
    grid-template-columns: 1fr;
  }

  .hero-left {
    min-height: unset;
    order: 2;
    padding-bottom: 40px;
  }

  .hero-right {
    order: 1;
    justify-content: center;
    align-self: auto;
  }

  .hero-glow-1,
  .hero-glow-2 {
    display: none;
  }

  .solutions-annotation {
    display: none;
  }

  .why-annotation {
    display: none;
  }

  .process-card-grid {
    grid-template-columns: 1fr;
  }

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

  .footer-inner {
    padding: 48px 40px;
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }

  .testimonial-inner {
    padding: 50px 40px;
  }

  .faq-section {
    padding: 80px 24px;
  }

  .value-cards {
    grid-template-columns: 1fr;
  }

  .partners-heading {
    color: white;
  }

  /* Services */
  .vsl-inner {
    grid-template-columns: 1fr;
  }

  .vsl-right {
    min-height: 280px;
  }

  .svc-big-heading {
    font-size: 40px;
  }

  .service-row {
    grid-template-columns: 1fr;
  }

  .service-row-img {
    min-height: 300px;
  }

  /* About */
  .about-goal-inner {
    grid-template-columns: 1fr;
  }

  .about-goal-content {
    grid-template-columns: 1fr;
  }

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

  .about-why-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .about-hero-heading {
    font-size: 40px;
  }
}

@media (max-width: 768px) {
  .nav-links {
    display: none;
  }

  .hamburger {
    display: flex;
  }

  .mobile-nav {
    display: flex;
  }

  .hero-inner {
    padding: 16px 16px 0;
  }

  .hero-left {
    padding-bottom: 40px;
  }

  .svc-hero-inner {
    padding: 16px 16px 48px;
  }

  .about-hero-inner {
    padding: 16px 16px 48px;
  }

  .solutions-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 32px;
  }

  .why-reasons-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .value-cards {
    grid-template-columns: 1fr;
  }

  .support-grid {
    grid-template-columns: 1fr;
    max-width: 300px;
  }

  .footer-grid {
    grid-template-columns: 1fr;
  }

  .footer-inner {
    padding: 40px 24px;
  }

  .process-step {
    grid-template-columns: 1fr;
  }

  .process-step-icon {
    width: 80px;
    height: 80px;
  }

  .testimonial-inner {
    padding: 40px 24px;
  }

  .faq-section {
    padding: 64px 24px;
  }

  .faq-heading {
    font-size: 32px;
  }

  .together-heading {
    font-size: 32px;
  }

  .value-heading {
    font-size: 28px;
  }

  .process-heading {
    font-size: 28px;
  }

  /* Services */
  .vsl-left {
    padding: 32px 24px;
  }

  .vsl-heading {
    font-size: 28px;
  }

  .svc-big-heading {
    font-size: 32px;
  }

  .svc-list-section {
    padding: 40px 16px;
  }

  .service-row-content {
    padding: 32px 24px;
  }

  .service-row-title {
    font-size: 26px;
  }

  /* About */
  .about-why-grid {
    grid-template-columns: 1fr;
  }

  .about-bio-dark {
    padding: 48px 24px;
  }

  .about-goal-section {
    padding: 48px 24px;
  }

  .about-bio-name {
    font-size: 32px;
  }

  .about-hero-heading {
    font-size: 32px;
  }

  .svc-subtitle {
    font-size: 18px;
  }

  .svc-subtitle-wrap {
    padding: 16px 24px 32px;
  }
}

@media (max-width: 480px) {
  .solutions-grid {
    grid-template-columns: 1fr;
  }

  .why-reasons-grid {
    grid-template-columns: 1fr;
  }

  .hero-top-images {
    flex-direction: column;
    gap: 16px;
    align-items: center;
  }

  .service-row {
    min-height: unset;
  }

  .about-bio-btns {
    flex-direction: column;
    align-items: flex-start;
  }
}

/* ============================================
   LENDER LOGOS CAROUSEL (infinite scroll)
   ============================================ */
.lender-carousel-wrap {
  overflow: hidden;
  width: 100%;
}

.lender-carousel-track {
  display: flex;
  width: fit-content;
  animation: lender-scroll 36s linear infinite;
}

.lender-carousel-track:hover {
  animation-play-state: paused;
}

.lender-carousel-strip {
  width: 1440px;
  height: 60px;
  object-fit: cover;
  flex-shrink: 0;
  display: block;
}

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

  to {
    transform: translateX(-50%);
  }
}

/* ============================================
   ABOUT HERO — centered layout
   ============================================ */
.about-hero-content.centered {
  align-items: center;
  text-align: center;
}

.about-hero-heading.centered {
  text-align: center;
  max-width: 820px;
  margin: 0 auto;
}

.about-hero-sub {
  font-size: 20px;
  color: rgba(219, 234, 254, 0.8);
  text-align: center;
  max-width: 600px;
  margin: 16px auto 0;
  line-height: 1.65;
}

.about-hero-photo {
  max-width: 960px;
  margin: 40px auto 0;
  border-radius: 16px;
  overflow: hidden;
}

.about-hero-photo img {
  width: 100%;
  height: 380px;
  object-fit: cover;
  border-radius: 16px;
  display: block;
}

/* ============================================
   MY GOAL — 2-col: content left, photo right
   ============================================ */
.about-goal-inner-v2 {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 480px;
  gap: 64px;
  align-items: flex-start;
}

.about-goal-text-col {
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.about-photo-collage-v2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.about-photo-collage-v2 img {
  width: 100%;
  border-radius: 12px;
  object-fit: cover;
  display: block;
}

.about-photo-collage-v2 img:first-child {
  grid-column: 1 / -1;
  height: 280px;
}

.about-photo-collage-v2 img:not(:first-child) {
  height: 180px;
}

/* ============================================
   MY STRONG HOLDS SECTION
   ============================================ */
.about-strongholds-section {
  background: #f2f1ee;
  padding: 72px 40px;
}

.about-strongholds-inner {
  max-width: 1100px;
  margin: 0 auto;
}

.about-strongholds-header {
  text-align: center;
  margin-bottom: 48px;
}

.about-strongholds-title {
  font-size: 46px;
  font-weight: 400;
  letter-spacing: -0.5px;
  color: #0d1017;
  margin-bottom: 10px;
}

.about-strongholds-sub {
  font-size: 18px;
  color: rgba(117, 117, 117, 1);
  line-height: 1.6;
}

.about-strongholds-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.about-stronghold-card {
  background: #fff;
  border-radius: 16px;
  padding: 36px 32px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.about-stronghold-icon {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: rgba(135, 214, 154, 0.3);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.about-stronghold-icon img {
  width: 36px;
  height: 36px;
  object-fit: contain;
}

.about-stronghold-title {
  font-size: 22px;
  font-weight: 600;
  color: #0d1017;
}

.about-stronghold-desc {
  font-size: 15px;
  color: rgba(117, 117, 117, 1);
  line-height: 1.65;
}

/* ============================================
   RATES PAGE — Stat Badges
   ============================================ */
.rates-stats-row {
  display: flex;
  gap: 24px;
  margin-top: 40px;
  flex-wrap: wrap;
}

.rates-stat-box {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 12px;
  padding: 20px 32px;
  display: flex;
  flex-direction: column;
  align-items: center;
  min-width: 160px;
}

.rates-stat-value {
  font-size: 36px;
  font-weight: 300;
  color: #fff;
  letter-spacing: -1px;
  line-height: 1;
}

.rates-stat-label {
  font-size: 13px;
  color: rgba(219, 234, 254, 0.7);
  margin-top: 6px;
  text-align: center;
}

/* ============================================
   RATES — Choose Your Mortgage Type (light)
   ============================================ */
.rates-choose-section {
  background: #f2f1ee;
  padding: 80px 40px;
}

.rates-choose-inner {
  max-width: 1100px;
  margin: 0 auto;
}

.rates-choose-header {
  text-align: center;
  margin-bottom: 48px;
}

.rates-choose-title {
  font-size: 46px;
  font-weight: 400;
  letter-spacing: -1px;
  color: #0d1017;
  margin-bottom: 10px;
}

.rates-choose-sub {
  font-size: 17px;
  color: rgba(117, 117, 117, 1);
}

.rates-choose-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
}

.rate-choose-card {
  background: #fff;
  border-radius: 20px;
  padding: 40px 36px;
  border: 1.5px solid #e8eaed;
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.rate-choose-badge {
  display: inline-flex;
  align-items: center;
  height: 28px;
  padding: 0 12px;
  border-radius: 6px;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  width: fit-content;
}

.rate-choose-badge.fixed {
  background: rgba(65, 169, 80, 0.12);
  color: #329a41;
  border: 1px solid rgba(65, 169, 80, 0.25);
}

.rate-choose-badge.variable {
  background: rgba(26, 46, 90, 0.08);
  color: rgba(26, 46, 90, 1);
  border: 1px solid rgba(26, 46, 90, 0.2);
}

.rate-choose-title {
  font-size: 28px;
  font-weight: 400;
  color: #0d1017;
  letter-spacing: -0.5px;
}

.rate-choose-rate {
  font-size: 64px;
  font-weight: 300;
  letter-spacing: -2px;
  color: rgba(26, 46, 90, 1);
  line-height: 1;
}

.rate-choose-rate span {
  font-size: 24px;
  font-weight: 400;
  color: rgba(117, 117, 117, 1);
}

.rate-choose-features {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.rate-choose-feature {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 15px;
  color: #0d1017;
}

.rate-choose-feature svg {
  flex-shrink: 0;
}

/* ============================================
   RATES — Recent Rate Table (dark bg)
   ============================================ */
.rates-table-dark-section {
  background: linear-gradient(180deg, rgba(20, 28, 39, 1) 0%, rgba(26, 46, 90, 1) 100%);
  padding: 80px 40px;
}

.rates-table-dark-inner {
  max-width: 900px;
  margin: 0 auto;
}

.rates-table-dark-title {
  font-size: 40px;
  font-weight: 400;
  letter-spacing: -0.5px;
  color: #fff;
  margin-bottom: 32px;
  text-align: center;
}

.rates-table-dark {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  border-radius: 16px;
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.12);
}

.rates-table-dark thead th {
  background: rgba(255, 255, 255, 0.08);
  color: rgba(219, 234, 254, 0.8);
  font-size: 14px;
  font-weight: 500;
  padding: 18px 28px;
  text-align: left;
  letter-spacing: 0.3px;
}

.rates-table-dark thead th:not(:first-child) {
  text-align: center;
}

.rates-table-dark tbody tr {
  background: rgba(255, 255, 255, 0.02);
}

.rates-table-dark tbody tr:nth-child(even) {
  background: rgba(255, 255, 255, 0.05);
}

.rates-table-dark tbody td {
  padding: 18px 28px;
  font-size: 15px;
  color: rgba(255, 255, 255, 0.9);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.rates-table-dark tbody tr:last-child td {
  border-bottom: none;
}

.rates-table-dark tbody td:not(:first-child) {
  text-align: center;
  font-weight: 600;
  font-size: 17px;
  color: rgba(135, 214, 154, 1);
}

.rates-table-dark tbody td.dash-cell {
  color: rgba(255, 255, 255, 0.3);
  font-weight: 400;
  font-size: 15px;
}

/* ============================================
   RATES — Why Lock Your Rate Today?
   ============================================ */
.rates-why-section {
  background: #fff;
  padding: 80px 40px;
}

.rates-why-inner {
  max-width: 1100px;
  margin: 0 auto;
}

.rates-why-header {
  text-align: center;
  margin-bottom: 48px;
}

.rates-why-title {
  font-size: 42px;
  font-weight: 400;
  letter-spacing: -0.5px;
  color: #0d1017;
  margin-bottom: 10px;
}

.rates-why-sub {
  font-size: 17px;
  color: rgba(117, 117, 117, 1);
}

.rates-why-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.rates-why-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 14px;
}

.rates-why-icon {
  width: 60px;
  height: 60px;
  background: #f2f1ee;
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.rates-why-icon svg {
  width: 28px;
  height: 28px;
}

.rates-why-item-title {
  font-size: 18px;
  font-weight: 600;
  color: #0d1017;
}

.rates-why-item-desc {
  font-size: 14px;
  color: rgba(117, 117, 117, 1);
  line-height: 1.65;
}

/* Responsive about + rates additions */
@media (max-width: 1000px) {
  .about-goal-inner-v2 {
    grid-template-columns: 1fr;
  }

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

  .rates-choose-grid {
    grid-template-columns: 1fr;
  }

  .rates-why-grid {
    grid-template-columns: 1fr 1fr;
    gap: 28px;
  }

  .about-strongholds-title {
    font-size: 34px;
  }

  .rates-choose-title {
    font-size: 34px;
  }
}

@media (max-width: 640px) {
  .about-strongholds-grid {
    grid-template-columns: 1fr;
  }

  .rates-why-grid {
    grid-template-columns: 1fr;
    max-width: 360px;
    margin: 0 auto;
  }

  .rates-stats-row {
    flex-direction: column;
    align-items: flex-start;
  }

  .about-photo-collage-v2 {
    grid-template-columns: 1fr;
  }

  .about-photo-collage-v2 img:first-child {
    grid-column: 1;
  }

  .about-strongholds-section {
    padding: 48px 24px;
  }

  .rates-choose-section,
  .rates-table-dark-section,
  .rates-why-section {
    padding: 48px 24px;
  }
}

/* ============================================
   HIDE Apply Now in header nav on mobile
   ============================================ */
@media (max-width: 768px) {
  .nav-card .btn-apply {
    display: none !important;
  }

  .mobile-nav {
    display: flex;
  }
}

/* ============================================
   TESTIMONIAL CAROUSEL
   ============================================ */
.testimonial-carousel {
  width: 100%;
  position: relative;
  overflow: hidden;
}

.testimonial-slides {
  display: flex;
  transition: transform 0.5s cubic-bezier(0.4, 0, 0.2, 1);
}

.testimonial-slide {
  min-width: 100%;
  flex-shrink: 0;
}

/* Prev / Next arrow buttons */
.testimonial-btn {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  z-index: 10;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.2);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: background 0.2s;
}

.testimonial-btn:hover {
  background: rgba(255, 255, 255, 0.2);
}

.testimonial-btn.prev {
  left: 12px;
}

.testimonial-btn.next {
  right: 12px;
}

/* Dots */
.testimonial-dots {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-top: 20px;
  padding-bottom: 8px;
}

.testimonial-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.25);
  border: none;
  cursor: pointer;
  transition: background 0.2s, transform 0.2s;
  padding: 0;
}

.testimonial-dot.active {
  background: var(--secondry-color);
  transform: scale(1.3);
}