/* ============================================================
   BRIGHT RATE MORTGAGE LLC — styles.css
   Full clean rewrite — single file, no fragments
   Navy #0B2045 | Teal #1A6B7C | Gold #C9A84C | Light #F5F7FA
============================================================ */

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

:root {
  --navy:    #0B2045;
  --navy2:   #152E62;
  --teal:    #1A6B7C;
  --gold:    #C9A84C;
  --gold2:   #B8933D;
  --white:   #FFFFFF;
  --light:   #F5F7FA;
  --gray:    #64748B;
  --gray-lt: #E2E8F0;
  --text:    #1E293B;
  --rad:     10px;
  --rad-lg:  16px;
  --sh:      0 2px 16px rgba(11,32,69,.09);
  --sh-lg:   0 8px 40px rgba(11,32,69,.16);
  --nav-h:   88px;
  --tr:      .2s ease;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', sans-serif;
  color: var(--text);
  background: var(--white);
  font-size: 16px;
  line-height: 1.65;
}

h1, h2, h3, h4, h5 {
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  line-height: 1.18;
  color: var(--navy);
}
p { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }
a { color: var(--gold); text-decoration: none; transition: color var(--tr); }
a:hover { color: var(--navy); }
ul { list-style: none; padding: 0; margin: 0; }
img { max-width: 100%; display: block; }

input, select, textarea {
  font-family: inherit;
  font-size: .94rem;
  width: 100%;
  padding: .72rem 1rem;
  border: 1.5px solid var(--gray-lt);
  border-radius: var(--rad);
  background: var(--white);
  color: var(--text);
  transition: border-color var(--tr), box-shadow var(--tr);
  outline: none;
  display: block;
}
input:focus, select:focus, textarea:focus {
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(26,107,124,.12);
}
textarea { resize: vertical; min-height: 120px; }

/* ── LAYOUT ────────────────────────────────────────────────── */
.container { width: 100%; max-width: 1180px; margin: 0 auto; padding: 0 1.5rem; }
.section    { padding: 4.5rem 0; }
.bg-white   { background: var(--white); }
.bg-light   { background: var(--light); }
.bg-navy    { background: var(--navy); }
.mt-1       { margin-top: 1.5rem; }
.mb-2       { margin-bottom: 1.5rem; }

.section-hd { text-align: center; max-width: 660px; margin: 0 auto 3rem; }
.section-hd h2 { font-size: clamp(1.9rem, 3vw, 2.5rem); margin-bottom: .75rem; }
.section-hd__sub { color: var(--gray); font-size: 1.05rem; }
.section-hd--white h2 { color: var(--white); }

.eyebrow {
  display: block;
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: .75rem;
  letter-spacing: .13em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: .5rem;
}
.eyebrow--gold { color: var(--gold); }
.text-gold  { color: var(--gold); }
.text-white { color: var(--white) !important; }

/* Card */
.card { background: var(--white); border-radius: var(--rad-lg); box-shadow: var(--sh); padding: 2rem; }

/* ── BUTTONS ───────────────────────────────────────────────── */
.btn {
  display: inline-block;
  padding: .82rem 1.9rem;
  border-radius: var(--rad);
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: .93rem;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--tr);
  text-align: center;
  letter-spacing: .02em;
  text-decoration: none;
}
.btn-gold            { background: var(--gold);  color: var(--navy);  border-color: var(--gold); }
.btn-gold:hover      { background: var(--gold2); color: var(--navy);  border-color: var(--gold2); }
.btn-navy            { background: var(--navy);  color: var(--white); border-color: var(--navy); }
.btn-navy:hover      { background: var(--navy2); color: var(--white); border-color: var(--navy2); }
.btn-outline-white   { background: transparent;  color: var(--white); border-color: rgba(255,255,255,.6); }
.btn-outline-white:hover { background: rgba(255,255,255,.12); color: var(--white); }
.btn-block { width: 100%; display: block; }

/* ── NOTICE BOX ────────────────────────────────────────────── */
.notice-box {
  background: #FFFBEB;
  border: 1px solid #F0D080;
  border-left: 4px solid var(--gold);
  border-radius: var(--rad);
  padding: 1rem 1.25rem;
  font-size: .88rem;
  color: #5A4A1A;
  line-height: 1.65;
}

/* ── ANIMATIONS ────────────────────────────────────────────── */
@keyframes pulse  { 0%,100% { opacity:1; transform:scale(1); } 50% { opacity:.4; transform:scale(1.3); } }
@keyframes spinIt { from { transform:rotate(0deg); } to { transform:rotate(360deg); } }

/* ============================================================
   TOP BANNER
============================================================ */
.top-banner { background: #FEF3C7; border-bottom: 2px solid #F59E0B; padding: .7rem 0; z-index: 1100; position: relative; }
.top-banner__inner { display: flex; align-items: flex-start; gap: .75rem; font-size: .85rem; color: #78350F; line-height: 1.5; }
.top-banner__icon  { flex-shrink: 0; margin-top: .1rem; }
.top-banner__close { margin-left: auto; background: none; border: none; cursor: pointer; color: #78350F; font-size: 1.1rem; flex-shrink: 0; padding: 0 .25rem; opacity: .7; transition: opacity var(--tr); }
.top-banner__close:hover { opacity: 1; }

/* ============================================================
   NAVBAR
============================================================ */
.navbar {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--white);
  height: var(--nav-h);
  border-bottom: 1px solid var(--gray-lt);
  box-shadow: var(--sh);
}
.navbar__inner { display: flex; align-items: center; height: var(--nav-h); gap: 1rem; }

/* Logo */
.navbar__logo { display: flex; align-items: center; flex-shrink: 0; text-decoration: none; }
.logo-lockup  { display: flex; align-items: center; gap: 13px; }
.logo-mark    { width: 68px; height: 68px; flex-shrink: 0; filter: drop-shadow(0 3px 10px rgba(11,32,69,.28)); }
.logo-mark svg { width: 68px; height: 68px; display: block; }
.logo-text-block { display: flex; flex-direction: column; gap: 0; }
.logo-name     { font-family: 'Inter', sans-serif; font-weight: 800; font-size: 1.18rem; color: var(--navy); letter-spacing: .08em; line-height: 1.1; }
.logo-sub-name { font-family: 'Inter', sans-serif; font-weight: 700; font-size: 1.02rem; color: var(--teal); letter-spacing: .06em; line-height: 1.2; }
.logo-tagline  { font-family: 'Inter', sans-serif; font-weight: 500; font-size: .58rem; color: var(--gray); letter-spacing: .14em; text-transform: uppercase; margin-top: 3px; }
.logo-nmls     { font-family: 'Inter', sans-serif; font-weight: 600; font-size: .62rem; color: var(--gold); letter-spacing: .03em; margin-top: 3px; }

/* Hamburger */
.navbar__hamburger { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: .5rem; margin-left: auto; }
.navbar__hamburger span { display: block; width: 24px; height: 2px; background: var(--navy); border-radius: 2px; transition: all .3s; }

/* Nav links */
.navbar__links { display: flex; align-items: center; margin-left: auto; }
.navbar__links > li { position: relative; }
.navbar__links > li > a { display: block; padding: .5rem .85rem; color: var(--text); font-weight: 500; font-size: .9rem; white-space: nowrap; transition: color var(--tr); }
.navbar__links > li > a:hover { color: var(--teal); }
.nav-cta { margin-left: .5rem; }

/* Dropdown */
.has-drop:hover .dropdown { display: block; }
.dropdown { display: none; position: absolute; top: 100%; left: 0; background: var(--white); box-shadow: var(--sh-lg); border-radius: var(--rad); border-top: 3px solid var(--gold); min-width: 190px; z-index: 200; padding: .5rem 0; }
.dropdown li a { display: block; padding: .6rem 1.25rem; color: var(--text); font-size: .88rem; transition: background var(--tr), color var(--tr); }
.dropdown li a:hover { background: var(--light); color: var(--navy); }

/* ============================================================
   PAGE SYSTEM (SPA)
============================================================ */
.page        { display: none; }
.page.active { display: block; }

/* ============================================================
   HERO
============================================================ */
.hero { position: relative; min-height: 580px; display: flex; flex-direction: column; overflow: hidden; }
.hero__overlay {
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(11,32,69,.97) 0%, rgba(11,32,69,.82) 55%, rgba(26,107,124,.55) 100%);
  background-color: var(--navy);
}
.hero__overlay::after {
  content: ''; position: absolute; inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg width='80' height='80' viewBox='0 0 80 80' xmlns='http://www.w3.org/2000/svg'%3E%3Crect x='0' y='0' width='40' height='40' fill='%23C9A84C' fill-opacity='0.04'/%3E%3Crect x='40' y='40' width='40' height='40' fill='%23C9A84C' fill-opacity='0.04'/%3E%3C/svg%3E");
}
.hero__shine { position: absolute; top: -200px; right: -200px; width: 700px; height: 700px; border-radius: 50%; background: radial-gradient(circle, rgba(26,107,124,.22) 0%, transparent 70%); pointer-events: none; }
.hero__content { position: relative; z-index: 2; flex: 1; padding: 4.5rem 1.5rem 3rem; max-width: 760px; }
.hero__pill { display: inline-block; background: rgba(201,168,76,.18); color: #E8D08A; border: 1px solid rgba(201,168,76,.4); border-radius: 50px; padding: .38rem 1.1rem; font-size: .78rem; font-weight: 600; margin-bottom: 1.5rem; letter-spacing: .04em; }
.hero__title { font-size: clamp(2.3rem, 5vw, 3.8rem); color: var(--white); margin-bottom: 1.25rem; line-height: 1.08; }
.hero__sub   { color: rgba(255,255,255,.78); font-size: 1.05rem; margin-bottom: 2rem; max-width: 560px; line-height: 1.75; }
.hero__actions { display: flex; gap: .85rem; flex-wrap: wrap; }

.hero__stats { position: relative; z-index: 2; background: rgba(255,255,255,.07); backdrop-filter: blur(8px); border-top: 1px solid rgba(255,255,255,.1); }
.hero__stats-grid { display: flex; align-items: center; padding: 1.25rem 0; }
.hero__stat   { flex: 1; text-align: center; padding: .5rem 1rem; }
.hero__stat-n { display: block; font-family: 'Playfair Display', serif; font-size: 2rem; font-weight: 700; color: var(--gold); line-height: 1; }
.hero__stat-l { display: block; font-size: .74rem; color: rgba(255,255,255,.65); margin-top: .3rem; line-height: 1.4; }
.hero__stat-div { width: 1px; height: 40px; background: rgba(255,255,255,.15); flex-shrink: 0; }

/* ============================================================
   COMPLIANCE SECTION
============================================================ */
.compliance-section { background: var(--navy); padding: 1.25rem 0; }
.compliance-card { display: flex; align-items: flex-start; gap: 1.25rem; background: rgba(255,255,255,.06); border: 1px solid rgba(201,168,76,.3); border-left: 4px solid var(--gold); border-radius: var(--rad); padding: 1.5rem; }
.compliance-card__icon { font-size: 2rem; flex-shrink: 0; }
.compliance-card h3 { color: var(--gold); font-size: 1.05rem; margin-bottom: .4rem; }
.compliance-card p  { color: rgba(255,255,255,.8); font-size: .88rem; margin: 0; line-height: 1.65; }

/* ============================================================
   PILLARS & RESOURCE CARDS
============================================================ */
.pillars  { display: grid; grid-template-columns: repeat(4,1fr); gap: 1.5rem; }
.pillar   { background: var(--light); border-radius: var(--rad); padding: 2rem 1.5rem; border-top: 3px solid var(--gold); transition: box-shadow var(--tr), transform var(--tr); }
.pillar:hover { box-shadow: var(--sh-lg); transform: translateY(-4px); }
.pillar__icon { font-size: 2.2rem; margin-bottom: 1rem; }
.pillar h4    { font-size: 1.05rem; margin-bottom: .5rem; }
.pillar p     { color: var(--gray); font-size: .88rem; margin: 0; }

.resources    { display: grid; grid-template-columns: repeat(4,1fr); gap: 1.5rem; }
.resource-card { background: var(--white); border-radius: var(--rad); padding: 2rem 1.5rem; box-shadow: var(--sh); cursor: pointer; transition: box-shadow var(--tr), transform var(--tr); border-bottom: 3px solid transparent; }
.resource-card:hover { box-shadow: var(--sh-lg); transform: translateY(-4px); border-bottom-color: var(--gold); }
.resource-card__icon { font-size: 2.4rem; margin-bottom: 1rem; }
.resource-card h4    { font-size: 1rem; margin-bottom: .5rem; }
.resource-card p     { color: var(--gray); font-size: .86rem; margin-bottom: 1rem; }
.resource-card__cta  { color: var(--gold); font-weight: 600; font-size: .86rem; }

/* ============================================================
   BROKER VS LENDER COMPARE
============================================================ */
.compare-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; }
.compare-col  { background: rgba(255,255,255,.06); border-radius: var(--rad); padding: 2rem; }
.compare-col--broker { border: 1px solid rgba(201,168,76,.5); border-top: 3px solid var(--gold); }
.compare-col--lender { border: 1px solid rgba(255,255,255,.1); }
.compare-col h3 { color: var(--white); font-size: 1.15rem; margin-bottom: 1.25rem; }
.badge-us { display: inline-block; background: var(--gold); color: var(--navy); font-size: .7rem; font-weight: 700; padding: .2rem .7rem; border-radius: 50px; margin-left: .5rem; vertical-align: middle; font-family: 'Inter', sans-serif; }
.compare-col ul li { color: rgba(255,255,255,.78); font-size: .9rem; padding: .4rem 0; border-bottom: 1px solid rgba(255,255,255,.07); }
.compare-col ul li:last-child { border: none; }

/* ============================================================
   PAGE HERO
============================================================ */
.page-hero { background: var(--navy); padding: 3.5rem 0 2.5rem; position: relative; overflow: hidden; }
.page-hero::before { content: ''; position: absolute; right: -150px; top: -150px; width: 500px; height: 500px; border-radius: 50%; background: rgba(26,107,124,.12); pointer-events: none; }
.page-hero h1 { color: var(--white); font-size: clamp(1.9rem, 4vw, 3rem); margin: .4rem 0 .5rem; }
.page-hero__sub { color: rgba(255,255,255,.72); font-size: 1rem; margin: 0; }

/* ============================================================
   ABOUT
============================================================ */
.content-split { display: grid; grid-template-columns: 1fr 360px; gap: 2.5rem; align-items: start; }
.content-main h2 { font-size: 1.9rem; margin-bottom: 1rem; }
.content-main h3 { font-size: 1.25rem; margin: 1.75rem 0 .75rem; }
.aside-card { background: var(--light); border-radius: var(--rad); padding: 1.75rem; border-top: 3px solid var(--gold); margin-bottom: 1.5rem; }
.aside-card h4 { margin-bottom: 1rem; font-size: 1rem; }
.aside-card--eho { display: flex; gap: 1rem; align-items: flex-start; background: var(--navy); }
.aside-card--eho h4 { color: var(--gold); margin-bottom: .4rem; }
.aside-card--eho p  { color: rgba(255,255,255,.75); font-size: .86rem; margin: 0; }
.eho-logo { font-size: 2.5rem; color: var(--gold); flex-shrink: 0; line-height: 1; }
.detail-list li { display: grid; grid-template-columns: 90px 1fr; font-size: .86rem; padding: .5rem 0; border-bottom: 1px solid var(--gray-lt); gap: .5rem; }
.detail-list li:last-child { border: none; }
.detail-list li span { font-weight: 700; color: var(--gray); font-size: .78rem; }

/* ============================================================
   LOAN CARDS
============================================================ */
.loan-grid  { display: grid; grid-template-columns: repeat(3,1fr); gap: 1.5rem; }
.loan-card  { background: var(--white); border-radius: var(--rad); box-shadow: var(--sh); overflow: hidden; transition: box-shadow var(--tr); }
.loan-card:hover { box-shadow: var(--sh-lg); }
.loan-card--wide { grid-column: 1 / -1; }
.loan-card__head { padding: 1.25rem 1.5rem 1rem; }
.loan-card__head h3 { color: var(--white); font-size: 1.15rem; margin-top: .5rem; }
.loan-card__head--conv  { background: var(--navy); }
.loan-card__head--fha   { background: #1D4ED8; }
.loan-card__head--va    { background: #065F46; }
.loan-card__head--usda  { background: #3D6B21; }
.loan-card__head--jumbo { background: #6B21A8; }
.loan-card__head--refi  { background: #92400E; }
.loan-card__head--nonqm { background: var(--teal); }
.loan-badge { display: inline-block; background: rgba(255,255,255,.22); color: #fff; font-weight: 700; font-size: .72rem; padding: .2rem .75rem; border-radius: 50px; letter-spacing: .06em; text-transform: uppercase; font-family: 'Inter', sans-serif; }
.loan-card__body { padding: 1.5rem; }
.loan-card__body h5 { font-family: 'Inter', sans-serif; font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: .09em; color: var(--gray); margin: 1rem 0 .45rem; }
.loan-card__body ul { padding-left: 1.2rem; list-style: disc; }
.loan-card__body ul li { font-size: .88rem; color: var(--gray); margin-bottom: .28rem; }
.loan-disc { font-size: .76rem; color: var(--gray); font-style: italic; margin-top: 1rem; border-top: 1px solid var(--gray-lt); padding-top: .75rem; }
.nonqm-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 1.5rem; margin: 1rem 0; }
.nonqm-grid h5 { font-family: 'Inter', sans-serif; font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: .09em; color: var(--teal); margin-bottom: .4rem; }
.nonqm-grid p  { font-size: .86rem; color: var(--gray); margin: 0; }

/* ============================================================
   CALCULATOR
============================================================ */
.calc-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; align-items: start; }
.calc-inputs h3, .calc-results h3 { font-size: 1.15rem; margin-bottom: 1.25rem; padding-bottom: .75rem; border-bottom: 2px solid var(--light); }
.fg       { margin-bottom: 1.1rem; }
.fg label { display: block; font-size: .83rem; font-weight: 600; color: var(--navy); margin-bottom: .38rem; }
.fg-row   { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.fg--btn  { display: flex; align-items: flex-end; }
.fg--btn .btn { width: 100%; }
.calc-ltv   { font-size: .8rem; color: var(--gray); margin-top: .25rem; font-style: italic; }
.calc-total { font-family: 'Playfair Display', serif; font-size: 2.8rem; font-weight: 700; color: var(--navy); text-align: center; margin: 1rem 0; }
.breakdown  { border-top: 1px solid var(--gray-lt); padding-top: 1rem; }
.breakdown__row { display: flex; justify-content: space-between; align-items: center; padding: .45rem 0; font-size: .88rem; color: var(--gray); border-bottom: 1px solid var(--light); }
.breakdown__row span:first-child { display: flex; align-items: center; }
.dot { display: inline-block; width: 10px; height: 10px; border-radius: 50%; margin-right: .5rem; flex-shrink: 0; }
.breakdown__total { display: flex; justify-content: space-between; padding: .75rem 0; font-size: 1rem; font-weight: 700; color: var(--navy); border-top: 2px solid var(--navy); margin-top: .25rem; }
.donut-wrap { display: flex; justify-content: center; margin: 1.5rem 0 1rem; }
.calc-disc  { font-size: .76rem; color: var(--gray); font-style: italic; border-top: 1px solid var(--gray-lt); padding-top: 1rem; margin: 0; }

/* ============================================================
   AMORTIZATION
============================================================ */
.amort-inputs { display: flex; flex-wrap: wrap; gap: 1rem; align-items: flex-end; margin-bottom: 2rem; }
.amort-inputs .fg { flex: 1 1 180px; margin: 0; }
.amort-summary { display: grid; grid-template-columns: repeat(3,1fr); gap: 1rem; margin-bottom: 2rem; }
.amort-stat { background: var(--white); border-radius: var(--rad); padding: 1.5rem; box-shadow: var(--sh); text-align: center; }
.amort-stat__label { display: block; font-size: .76rem; color: var(--gray); font-weight: 700; text-transform: uppercase; letter-spacing: .08em; margin-bottom: .5rem; }
.amort-stat__val   { display: block; font-family: 'Playfair Display', serif; font-size: 1.7rem; font-weight: 700; color: var(--navy); }
.amort-stat__val.text-gold { color: var(--gold); }
.table-wrap { overflow-x: auto; border-radius: var(--rad); box-shadow: var(--sh); max-height: 500px; overflow-y: auto; }
.amort-table { width: 100%; border-collapse: collapse; font-size: .86rem; background: var(--white); }
.amort-table thead { position: sticky; top: 0; z-index: 1; }
.amort-table th { background: var(--navy); color: var(--white); padding: .85rem 1rem; text-align: right; font-family: 'Inter', sans-serif; font-weight: 600; font-size: .8rem; letter-spacing: .05em; }
.amort-table th:first-child { text-align: center; }
.amort-table td { padding: .62rem 1rem; border-bottom: 1px solid var(--light); text-align: right; }
.amort-table td:first-child { text-align: center; color: var(--gray); }
.amort-table tbody tr:nth-child(even) { background: var(--light); }
.amort-table tbody tr:hover { background: #EAF4F7; }
.table-wrap::-webkit-scrollbar       { width: 6px; height: 6px; }
.table-wrap::-webkit-scrollbar-track { background: var(--light); }
.table-wrap::-webkit-scrollbar-thumb { background: var(--gray-lt); border-radius: 3px; }

/* ============================================================
   RATES WIDGET
============================================================ */
.rate-widget__head { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 1.75rem; gap: 1rem; }
.rate-widget__title { font-size: 1.6rem; margin-bottom: .2rem; }
.rate-widget__ts    { font-size: .82rem; color: var(--gray); }
.rate-widget__live  { display: flex; align-items: center; gap: .5rem; font-size: .8rem; font-weight: 600; color: var(--teal); background: #EFF9FB; border: 1px solid rgba(26,107,124,.25); padding: .4rem .85rem; border-radius: 50px; white-space: nowrap; flex-shrink: 0; }
.live-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--teal); animation: pulse 1.8s ease-in-out infinite; }

/* Rates status badges */
.rates-status { margin-bottom: 1rem; min-height: 1.6rem; }
.rates-loading       { font-size: .82rem; color: var(--gray); font-style: italic; display: inline-flex; align-items: center; gap: .4rem; }
.rates-live-badge    { display: inline-flex; align-items: center; gap: .4rem; font-size: .8rem; font-weight: 600; color: #065F46; background: #D1FAE5; border: 1px solid #34D399; border-radius: 50px; padding: .28rem .85rem; }
.rates-cached-badge  { display: inline-flex; align-items: center; gap: .4rem; font-size: .8rem; font-weight: 600; color: #1E40AF; background: #DBEAFE; border: 1px solid #93C5FD; border-radius: 50px; padding: .28rem .85rem; }
.rates-fallback-badge{ display: inline-flex; align-items: center; gap: .4rem; font-size: .8rem; font-weight: 600; color: #78350F; background: #FEF3C7; border: 1px solid #F59E0B; border-radius: 50px; padding: .28rem .85rem; }
.spin { display: inline-block; animation: spinIt 1s linear infinite; }

.rate-widget__inputs { display: grid; grid-template-columns: repeat(4,1fr); gap: 1rem; margin-bottom: 1.75rem; }
.loan-amt-display { padding: .72rem 1rem; background: var(--light); border-radius: var(--rad); border: 1.5px solid var(--gray-lt); font-size: .94rem; font-weight: 700; color: var(--navy); }
.rate-table-wrap { border-radius: var(--rad); overflow: hidden; border: 1px solid var(--gray-lt); }
.rate-table { width: 100%; border-collapse: collapse; }
.rate-table thead tr { background: var(--light); }
.rate-table th { padding: .85rem 1.25rem; text-align: left; font-family: 'Inter', sans-serif; font-size: .75rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--gray); }
.rate-table th:not(:first-child) { text-align: right; }
.rate-table td { padding: 1rem 1.25rem; border-bottom: 1px solid var(--light); font-size: .93rem; }
.rate-table td:not(:first-child) { text-align: right; }
.rate-table tbody tr:last-child td { border-bottom: none; }
.rate-table tbody tr:hover { background: #F8FCFD; }
.rt-program { font-weight: 600; color: var(--navy); }
.rt-rate    { color: var(--teal); font-weight: 700; font-size: 1rem; }
.rt-apr     { color: var(--gray); }
.rt-payment strong { font-family: 'Playfair Display', serif; font-size: 1.05rem; color: var(--navy); }
.rate-widget__disc { font-size: .76rem; color: var(--gray); margin-top: 1.25rem; line-height: 1.65; font-style: italic; }
.factors-grid { display: grid; grid-template-columns: repeat(5,1fr); gap: .75rem; }
.factor { display: flex; align-items: center; gap: .5rem; background: var(--light); padding: .65rem 1rem; border-radius: 8px; font-size: .86rem; font-weight: 500; }

/* ============================================================
   CONTACT
============================================================ */
.contact-layout { display: grid; grid-template-columns: 1fr 360px; gap: 2rem; align-items: start; }
.consent-group  { background: var(--light); padding: 1rem; border-radius: var(--rad); margin-top: .5rem; }
.checkbox-label { display: flex; align-items: flex-start; gap: .75rem; cursor: pointer; font-size: .86rem; color: var(--gray); line-height: 1.55; }
.checkbox-label input[type="checkbox"] { width: auto; flex-shrink: 0; margin-top: .2rem; display: inline; }
.form-note { font-size: .76rem; color: var(--gray); margin-top: .75rem; font-style: italic; }
.success-msg { background: #D1FAE5; border: 1px solid #34D399; border-radius: var(--rad); padding: 1rem 1.25rem; color: #065F46; font-weight: 600; display: flex; align-items: center; gap: .75rem; }
.contact-aside .card { padding: 1.5rem; margin-bottom: 1.5rem; }
.contact-aside .card h4 { font-size: 1rem; margin-bottom: 1.25rem; padding-bottom: .75rem; border-bottom: 2px solid var(--light); }
.ci { display: flex; gap: 1rem; margin-bottom: 1.1rem; align-items: flex-start; }
.ci > span  { font-size: 1.4rem; flex-shrink: 0; }
.ci strong  { display: block; font-size: .8rem; color: var(--navy); margin-bottom: .15rem; }
.ci p       { font-size: .86rem; color: var(--gray); margin: 0; }
.no-collect li { font-size: .86rem; color: var(--gray); padding: .3rem 0; border-bottom: 1px solid var(--light); }
.no-collect li:last-child { border: none; }

/* ============================================================
   TEAM PAGE
============================================================ */

/* States */
.team-loading { display: flex; flex-direction: column; align-items: center; gap: 1rem; padding: 4rem 0; color: var(--gray); font-size: .95rem; }
.team-spinner { width: 40px; height: 40px; border: 3px solid var(--gray-lt); border-top-color: var(--teal); border-radius: 50%; animation: spinIt 0.8s linear infinite; }
.team-error   { background: #FEF2F2; border: 1px solid #FECACA; border-left: 4px solid #EF4444; border-radius: var(--rad); padding: 1rem 1.25rem; font-size: .9rem; color: #7F1D1D; margin-bottom: 2rem; }
.team-empty   { text-align: center; padding: 4rem 2rem; background: var(--white); border-radius: var(--rad-lg); box-shadow: var(--sh); }
.team-empty__icon { font-size: 3.5rem; margin-bottom: 1rem; }
.team-empty h3    { font-size: 1.5rem; margin-bottom: .75rem; }
.team-empty p     { color: var(--gray); max-width: 460px; margin: 0 auto; }

/* Grid */
.team-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(340px, 1fr)); gap: 2rem; margin-bottom: 3rem; }

/* MLO Card */
.mlo-card { background: var(--white); border-radius: var(--rad-lg); box-shadow: var(--sh); overflow: hidden; transition: box-shadow var(--tr), transform var(--tr); display: flex; flex-direction: column; }
.mlo-card:hover { box-shadow: var(--sh-lg); transform: translateY(-4px); }

.mlo-card__header { background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 100%); padding: 2rem 1.75rem 1.5rem; display: flex; align-items: flex-start; gap: 1.25rem; position: relative; }
.mlo-card__header::after { content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--gold), var(--teal)); }

.mlo-photo-wrap { flex-shrink: 0; width: 90px; height: 90px; border-radius: 50%; overflow: hidden; border: 3px solid var(--gold); box-shadow: 0 4px 12px rgba(0,0,0,.3); background: var(--light); }
.mlo-photo { width: 100%; height: 100%; object-fit: cover; object-position: top center; display: block; }
.mlo-photo-placeholder { width: 100%; height: 100%; background: linear-gradient(135deg, var(--teal), var(--navy)); display: flex; align-items: center; justify-content: center; font-size: 2.2rem; color: rgba(255,255,255,.6); }

.mlo-header-info { flex: 1; min-width: 0; }
.mlo-name   { font-family: 'Playfair Display', serif; font-size: 1.2rem; font-weight: 700; color: var(--white); margin-bottom: .2rem; line-height: 1.2; }
.mlo-title  { font-size: .8rem; color: var(--gold); font-weight: 600; letter-spacing: .04em; margin-bottom: .6rem; }
.mlo-status-badge          { display: inline-block; font-size: .68rem; font-weight: 700; padding: .18rem .65rem; border-radius: 50px; letter-spacing: .06em; text-transform: uppercase; font-family: 'Inter', sans-serif; }
.mlo-status-badge--active  { background: #D1FAE5; color: #065F46; }
.mlo-status-badge--pending { background: #FEF3C7; color: #92400E; }

.mlo-card__body { padding: 1.5rem 1.75rem; flex: 1; display: flex; flex-direction: column; gap: 1.1rem; }

.mlo-nmls { display: flex; align-items: center; gap: .5rem; font-size: .82rem; color: var(--gray); background: var(--light); padding: .5rem .85rem; border-radius: 6px; }
.mlo-nmls strong { color: var(--navy); font-weight: 700; }
.mlo-nmls a { color: var(--teal); font-size: .78rem; margin-left: auto; white-space: nowrap; }

.mlo-bio { font-size: .9rem; color: var(--text); line-height: 1.7; margin: 0; }
.mlo-bio.collapsed { display: -webkit-box; -webkit-line-clamp: 3; -webkit-box-orient: vertical; overflow: hidden; }
.mlo-read-more { background: none; border: none; color: var(--teal); font-size: .82rem; font-weight: 600; cursor: pointer; padding: 0; margin-top: .25rem; font-family: 'Inter', sans-serif; }
.mlo-read-more:hover { color: var(--navy); }

.mlo-section-label { font-family: 'Inter', sans-serif; font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; color: var(--gray); margin-bottom: .5rem; display: block; }
.mlo-tags  { display: flex; flex-wrap: wrap; gap: .4rem; }
.mlo-tag   { background: #EFF9FB; color: var(--teal); border: 1px solid rgba(26,107,124,.2); border-radius: 50px; padding: .22rem .75rem; font-size: .75rem; font-weight: 600; font-family: 'Inter', sans-serif; }
.mlo-states{ display: flex; flex-wrap: wrap; gap: .4rem; }
.mlo-state { background: var(--navy); color: var(--white); border-radius: 4px; padding: .18rem .55rem; font-size: .72rem; font-weight: 700; font-family: 'Inter', sans-serif; letter-spacing: .05em; }
.mlo-langs { font-size: .82rem; color: var(--gray); }
.mlo-fun-fact { background: linear-gradient(135deg, #FFFBEB, #FEF3C7); border-left: 3px solid var(--gold); border-radius: 0 var(--rad) var(--rad) 0; padding: .65rem 1rem; font-size: .82rem; color: #78350F; font-style: italic; }
.mlo-fun-fact::before { content: '💡 '; font-style: normal; }

.mlo-card__footer { padding: 1.1rem 1.75rem 1.5rem; border-top: 1px solid var(--gray-lt); display: flex; align-items: center; justify-content: space-between; gap: 1rem; flex-wrap: wrap; }
.mlo-contact-links { display: flex; flex-direction: column; gap: .3rem; }
.mlo-contact-link  { display: flex; align-items: center; gap: .45rem; font-size: .82rem; color: var(--text); text-decoration: none; transition: color var(--tr); }
.mlo-contact-link:hover { color: var(--teal); }
.mlo-contact-link span  { font-size: .95rem; }
.mlo-social-links { display: flex; gap: .5rem; }
.mlo-social-link  { width: 34px; height: 34px; border-radius: 50%; background: var(--light); border: 1.5px solid var(--gray-lt); display: flex; align-items: center; justify-content: center; font-size: .9rem; text-decoration: none; transition: background var(--tr), border-color var(--tr), transform var(--tr); }
.mlo-social-link:hover { background: var(--teal); border-color: var(--teal); transform: translateY(-2px); }

/* Join CTA */
.team-join { margin-top: 2rem; }
.team-join__inner { display: flex; align-items: flex-start; gap: 1.5rem; background: var(--navy); border-radius: var(--rad-lg); padding: 2.5rem; border-left: 4px solid var(--gold); }
.team-join__icon   { font-size: 2.5rem; flex-shrink: 0; }
.team-join__inner h3 { color: var(--white); font-size: 1.3rem; margin-bottom: .6rem; }
.team-join__inner p  { color: rgba(255,255,255,.75); font-size: .92rem; margin-bottom: 1.25rem; line-height: 1.7; }

/* ============================================================
   LEGAL PAGES
============================================================ */
.content-narrow { max-width: 820px; }
.policy-date    { font-size: .83rem; color: var(--gray); margin-bottom: 2rem; }
.content-narrow h2 { font-size: 1.35rem; margin: 2rem 0 .75rem; }
.content-narrow h2:first-of-type { margin-top: 0; }
.eho-block { display: flex; gap: 1.25rem; align-items: flex-start; background: var(--light); border-radius: var(--rad); padding: 1.5rem; margin-top: .5rem; }
.eho-block .eho-logo { font-size: 3rem; color: var(--gold); flex-shrink: 0; line-height: 1; }
.eho-block p { font-size: .9rem; color: var(--gray); margin: 0; }

/* ============================================================
   CONTACT BAR
============================================================ */
.contact-bar { background: var(--navy2); border-top: 1px solid rgba(255,255,255,.08); padding: .9rem 0; }
.contact-bar__inner { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 1rem 2.5rem; }
.contact-bar__item  { font-size: .82rem; color: rgba(255,255,255,.65); display: flex; align-items: center; gap: .4rem; }
.contact-bar__item a { color: rgba(255,255,255,.72); text-decoration: none; transition: color var(--tr); }
.contact-bar__item a:hover { color: var(--gold); }

/* ============================================================
   FOOTER
============================================================ */
.footer__top  { background: var(--navy); padding: 3.5rem 0 2rem; }
.footer__grid { display: grid; grid-template-columns: 260px 1fr; gap: 3rem; }
.footer__logo-wrap { display: flex; align-items: center; gap: 10px; margin-bottom: 1rem; }
.footer__logo-svg  { width: 56px; height: 56px; flex-shrink: 0; display: block; filter: drop-shadow(0 2px 6px rgba(0,0,0,.3)); }
.footer__logo-text { display: flex; flex-direction: column; }
.footer__logo-name { font-family: 'Inter', sans-serif; font-weight: 800; font-size: .95rem; color: var(--white); letter-spacing: .07em; }
.footer__logo-sub  { font-family: 'Inter', sans-serif; font-weight: 500; font-size: .72rem; color: rgba(255,255,255,.55); letter-spacing: .06em; margin-top: 2px; }
.footer__logo-nmls { font-family: 'Inter', sans-serif; font-weight: 600; font-size: .62rem; color: var(--gold); letter-spacing: .03em; margin-top: 4px; }
.footer__tagline { font-size: .83rem; color: rgba(255,255,255,.48); margin-bottom: 1.25rem; line-height: 1.6; }
.footer__eho     { display: flex; align-items: center; gap: .5rem; color: rgba(255,255,255,.55); font-size: .8rem; }
.footer__links   { display: grid; grid-template-columns: repeat(3,1fr); gap: 2rem; }
.footer__col h5  { font-family: 'Inter', sans-serif; font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .12em; color: var(--gold); margin-bottom: 1rem; }
.footer__col ul li { margin-bottom: .5rem; }
.footer__col ul li a { color: rgba(255,255,255,.58); font-size: .86rem; transition: color var(--tr); }
.footer__col ul li a:hover { color: var(--gold); }
.footer__compliance { background: #061328; padding: 1.5rem 0; }
.footer__compliance p { font-size: .76rem; color: rgba(255,255,255,.4); line-height: 1.75; margin-bottom: .5rem; }
.footer__compliance p:last-child { margin: 0; }
.footer__compliance a { color: rgba(255,255,255,.5); }
.footer__compliance a:hover { color: var(--gold); }
.footer__copy { margin-top: 1rem !important; border-top: 1px solid rgba(255,255,255,.07); padding-top: 1rem !important; }

/* ============================================================
   RESPONSIVE
============================================================ */
@media (max-width: 1100px) {
  .pillars          { grid-template-columns: repeat(2,1fr); }
  .resources        { grid-template-columns: repeat(2,1fr); }
  .loan-grid        { grid-template-columns: repeat(2,1fr); }
  .loan-card--wide  { grid-column: 1 / -1; }
  .calc-layout      { grid-template-columns: 1fr; }
  .content-split    { grid-template-columns: 1fr; }
  .contact-layout   { grid-template-columns: 1fr; }
  .rate-widget__inputs { grid-template-columns: repeat(2,1fr); }
  .nonqm-grid       { grid-template-columns: repeat(2,1fr); }
  .factors-grid     { grid-template-columns: repeat(3,1fr); }
  .footer__grid     { grid-template-columns: 1fr; gap: 2rem; }
  .compare-grid     { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  :root { --nav-h: 68px; }
  .section { padding: 3rem 0; }

  .navbar__hamburger { display: flex; }
  .navbar__links {
    display: none;
    position: fixed;
    top: var(--nav-h); left: 0; right: 0; bottom: 0;
    background: var(--white);
    flex-direction: column;
    align-items: flex-start;
    padding: 1rem 0;
    overflow-y: auto;
    box-shadow: var(--sh-lg);
    z-index: 999;
  }
  .navbar__links.open { display: flex; }
  .navbar__links > li { width: 100%; }
  .navbar__links > li > a { padding: .85rem 1.5rem; border-bottom: 1px solid var(--light); font-size: 1rem; }
  .nav-cta { margin-left: 0; padding: .85rem 1.5rem; border-bottom: 1px solid var(--light); }
  .nav-cta .btn { display: block; text-align: center; }
  .dropdown { display: none !important; }

  .logo-mark { width: 50px; height: 50px; }
  .logo-mark svg { width: 50px; height: 50px; }
  .logo-name    { font-size: .95rem; }
  .logo-sub-name { font-size: .85rem; }
  .logo-nmls    { font-size: .55rem; }

  .hero { min-height: auto; }
  .hero__content { padding: 3rem 1.5rem 2rem; }
  .hero__title   { font-size: 2.1rem; }
  .hero__actions { flex-direction: column; }
  .hero__actions .btn { text-align: center; width: 100%; max-width: 320px; }
  .hero__stats-grid { flex-wrap: wrap; }
  .hero__stat { flex: 1 1 45%; }
  .hero__stat-div { display: none; }

  .loan-grid   { grid-template-columns: 1fr; }
  .nonqm-grid  { grid-template-columns: 1fr; }
  .amort-inputs { flex-direction: column; }
  .amort-summary { grid-template-columns: 1fr; }
  .fg-row { grid-template-columns: 1fr; }
  .footer__links { grid-template-columns: 1fr 1fr; }
  .factors-grid  { grid-template-columns: repeat(2,1fr); }
  .rate-widget__head { flex-direction: column; gap: 1rem; }
  .rate-widget__inputs { grid-template-columns: 1fr 1fr; }

  .team-grid { grid-template-columns: 1fr; }
  .team-join__inner { flex-direction: column; gap: 1rem; padding: 1.75rem; }
  .mlo-card__header { flex-direction: column; align-items: center; text-align: center; }
  .mlo-nmls a { margin-left: 0; }
}

@media (max-width: 480px) {
  .pillars     { grid-template-columns: 1fr; }
  .resources   { grid-template-columns: 1fr; }
  .footer__links { grid-template-columns: 1fr; }
  .rate-widget__inputs { grid-template-columns: 1fr; }
  .amort-table th, .amort-table td { padding: .5rem .6rem; font-size: .78rem; }
  .calc-total  { font-size: 2.1rem; }
  .logo-tagline { display: none; }
  .mlo-photo-wrap { width: 80px; height: 80px; }
}