/* ================================================
   NORTHGATE MORTGAGE — style.css
   Modeled after the northgatemtg.com template layout
   White/navy/gold light mode · Dark mode support
   ================================================ */


/* ------------------------------------------------
   1. CSS VARIABLES
   ------------------------------------------------ */
:root {
  /* Core palette — Light mode */
  --navy:           #01060c;
  --navy-mid:       #0d2040;
  --navy-light:     #1a3a6b;
  --blue:           #2d6ba8;
  --gold:           #c9a84c;
  --gold-light:     #e2c068;
  --gold-pale:      #f5edd0;
  --gold-dim:       rgba(201,168,76,0.15);

  --bg:             #ffffff;
  --bg-alt:         #f8f6f2;
  --bg-card:        #ffffff;
  --bg-dark:        #01060c;      /* dark sections */
  --bg-dark-mid:    #0d1a2e;

  --text:           #0d1a2e;
  --text-2:         #3d4f65;
  --text-3:         #6b7f96;
  --text-inv:       #ffffff;
  --text-inv-2:     rgba(255,255,255,0.75);
  --text-inv-3:     rgba(255,255,255,0.45);

  --border:         #e4e0d8;
  --border-light:   #f0ece4;

  /* Typography */
  --serif:  'DM Serif Display', Georgia, serif;
  --sans:   'DM Sans', -apple-system, BlinkMacSystemFont, sans-serif;

  /* Spacing */
  --max-w: 1200px;
  --px: clamp(1.25rem, 5vw, 2.5rem);
  --section-y: clamp(4.5rem, 9vw, 7.5rem);

  /* Shape */
  --r-sm:   6px;
  --r-md:   12px;
  --r-lg:   20px;
  --r-xl:   32px;
  --r-full: 9999px;

  /* Shadows */
  --sh-sm:  0 2px 8px rgba(1,6,12,0.08);
  --sh-md:  0 6px 24px rgba(1,6,12,0.10);
  --sh-lg:  0 16px 48px rgba(1,6,12,0.13);
  --sh-gold:0 4px 20px rgba(201,168,76,0.30);

  /* Transitions */
  --t:      250ms ease;
  --t-slow: 450ms ease;
  --t-theme:300ms cubic-bezier(0.4,0,0.2,1);

  /* Nav height */
  --nav-h:  68px;
}

/* Dark mode overrides */
[data-theme="dark"] {
  --bg:           #01060c;
  --bg-alt:       #080e1c;
  --bg-card:      #0d1828;
  --bg-dark:      #000509;
  --bg-dark-mid:  #040912;

  --text:         #e8eef8;
  --text-2:       #8da0ba;
  --text-3:       #526070;
  --border:       rgba(255,255,255,0.08);
  --border-light: rgba(255,255,255,0.04);
  --gold-pale:    rgba(201,168,76,0.10);
  --gold-dim:     rgba(201,168,76,0.08);

  --sh-sm: 0 2px 8px rgba(0,0,0,0.5);
  --sh-md: 0 6px 24px rgba(0,0,0,0.6);
  --sh-lg: 0 16px 48px rgba(0,0,0,0.7);
}


/* ------------------------------------------------
   2. RESET & BASE
   ------------------------------------------------ */
*,*::before,*::after { box-sizing:border-box; margin:0; padding:0; }

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--sans);
  font-size: 1rem;
  line-height: 1.65;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}

img { display:block; max-width:100%; height:auto; }
a { color:inherit; text-decoration:none; }
ul { list-style:none; }
address { font-style:normal; }
button { font-family:inherit; cursor:pointer; border:none; background:none; }
blockquote { quotes:none; }

:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
  border-radius: var(--r-sm);
}


/* ------------------------------------------------
   3. LAYOUT HELPERS
   ------------------------------------------------ */
.container {
  width: 100%;
  max-width: var(--max-w);
  margin-inline: auto;
  padding-inline: var(--px);
}

.section { padding-block: var(--section-y); }

/* Typography scale */
.section-label {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.75rem;
}
.section-label.light { color: var(--gold-light); }

.section-heading {
  font-family: var(--serif);
  font-size: clamp(2rem, 4vw, 3.2rem);
  font-weight: 400;
  line-height: 1.15;
  color: var(--text);
  margin-bottom: 1.1rem;
}
.section-heading.light { color: var(--text-inv); }
.section-heading em { font-style:italic; color: var(--gold); }
.section-heading.light em { color: var(--gold-light); }

.section-body {
  font-size: 1.05rem;
  line-height: 1.75;
  color: var(--text-2);
  max-width: 52ch;
}
.section-body.light { color: var(--text-inv-2); }


/* ------------------------------------------------
   4. BUTTONS
   ------------------------------------------------ */
.primary-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.7em 1.6em;
  font-size: 0.9rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  border-radius: var(--r-full);
  background: var(--gold);
  color: #fff;
  border: 2px solid var(--gold);
  transition: background var(--t), transform var(--t), box-shadow var(--t), border-color var(--t);
  white-space: nowrap;
}
.primary-btn:hover {
  background: var(--gold-light);
  border-color: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: var(--sh-gold);
}
.primary-btn.large-btn {
  padding: 0.85em 2em;
  font-size: 1rem;
}

.ghost-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.7em 1.6em;
  font-size: 0.9rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  border-radius: var(--r-full);
  background: transparent;
  color: var(--text-inv);
  border: 2px solid rgba(255,255,255,0.5);
  transition: background var(--t), border-color var(--t), transform var(--t);
  white-space: nowrap;
}
.ghost-btn:hover {
  background: rgba(255,255,255,0.12);
  border-color: #fff;
  transform: translateY(-2px);
}

/* Ghost button in contact section — gold accent so it never looks disabled */
.contact-section .ghost-btn {
  color: var(--gold);
  border-color: var(--gold);
  background: rgba(201,168,76,0.06);
  box-shadow: 0 0 0 1px rgba(201,168,76,0.15), inset 0 0 12px rgba(201,168,76,0.04);
}
.contact-section .ghost-btn:hover {
  border-color: var(--gold-light);
  background: rgba(201,168,76,0.14);
  color: var(--gold-light);
  box-shadow: 0 0 0 1px rgba(201,168,76,0.35), 0 4px 20px rgba(201,168,76,0.18);
  transform: translateY(-2px);
}
.ghost-btn.large-btn {
  padding: 0.85em 2em;
  font-size: 1rem;
}


/* ------------------------------------------------
   5. NAVBAR
   ------------------------------------------------ */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 999;
  height: var(--nav-h);
  background: transparent;
  border-bottom: none;
  transition: background var(--t-slow), box-shadow var(--t-slow);
}

.navbar:not(.scrolled) {
  box-shadow: none;
}
.navbar.scrolled {
  background: var(--bg);
  box-shadow: var(--sh-md);
}
[data-theme="dark"] .navbar.scrolled {
  background: rgba(1,6,12,0.96);
  backdrop-filter: blur(12px);
}

.nav-container {
  max-width: var(--max-w);
  margin-inline: auto;
  padding-inline: var(--px);
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
}

/* Logo */
.nav-brand { display:flex; align-items:center; gap: 0.6rem; flex-shrink:0; text-decoration:none; position: static; }
.nav-brand-name {
  font-family: var(--sans);
  font-size: 1.05rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  color: var(--navy);
  font-style: normal;
  line-height: 1.2;
  margin: 0;
  padding: 0;
  white-space: nowrap;
}
.nav-brand-name em {
  font-style: normal;
  font-weight: 400;
  opacity: 0.55;
  margin-left: 0.2em;
}
[data-theme="dark"] .nav-brand-name { color: #fff; }
@media (max-width: 480px) { .nav-brand-name { display: none; } }
.nav-logo {
  height: 58px;
  width: auto;
  object-fit: contain;
  transition: filter var(--t-theme);
}
/* Light mode: original black logo */
.nav-logo { filter: none; }
/* Dark mode: invert to white */
[data-theme="dark"] .nav-logo { filter: brightness(0) invert(1); }

/* Nav menu */
.nav-menu {
  display: none;
  align-items: center;
  gap: 1.75rem;
}
@media (min-width: 960px) { .nav-menu { display:flex; } }

.nav-link {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text);
  position: relative;
  transition: color var(--t);
}
.nav-link::after {
  content:'';
  position:absolute;
  bottom:-3px; left:0;
  width:0; height:2px;
  background:var(--gold);
  transition: width var(--t);
  border-radius: 2px;
}
.nav-link:hover::after { width:100%; }
.nav-link:hover { color:var(--gold); }

/* Override link colors when transparent (over hero) */
.navbar:not(.scrolled) .nav-link {
  color: rgba(255,255,255,0.88);
}
.navbar:not(.scrolled) .nav-link:hover { color:#fff; }

/* Nav actions */
.nav-actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}
.nav-contact-btn {
  color: var(--navy);
  border-color: var(--navy);
  background: transparent;
}
[data-theme="dark"] .nav-contact-btn {
  color: #fff;
  border-color: rgba(255,255,255,0.5);
}
.navbar:not(.scrolled) .nav-contact-btn {
  color: #fff;
  border-color: rgba(255,255,255,0.5);
}

.desktop-only {
  display: none;
}
@media (min-width: 960px) { .desktop-only { display:inline-flex; } }

/* ── Language Dropdown ── */
.lang-dropdown {
  position: relative;
}
.lang-current {
  display: flex;
  align-items: center;
  gap: 5px;
  background: rgba(255,255,255,0.1);
  border: 1.5px solid rgba(255,255,255,0.25);
  border-radius: var(--r-full);
  color: rgba(255,255,255,0.9);
  cursor: pointer;
  font-family: var(--sans);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  padding: 6px 11px 6px 9px;
  transition: all var(--t);
  white-space: nowrap;
}
.navbar.scrolled .lang-current {
  background: var(--bg-alt);
  border-color: var(--border);
  color: var(--text);
}
[data-theme="dark"] .navbar.scrolled .lang-current {
  background: rgba(255,255,255,0.05);
  border-color: rgba(255,255,255,0.12);
  color: var(--text);
}
.lang-current:hover {
  background: rgba(255,255,255,0.18);
  border-color: rgba(255,255,255,0.4);
}
.navbar.scrolled .lang-current:hover {
  background: var(--gold-dim);
  border-color: var(--gold);
  color: var(--gold);
}
.lang-chevron {
  transition: transform 0.25s ease;
}
.lang-dropdown.open .lang-chevron {
  transform: rotate(180deg);
}
.lang-menu {
  position: absolute;
  top: calc(100% + 8px);
  right: 0;
  min-width: 150px;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  box-shadow: var(--sh-lg);
  padding: 6px;
  display: none;
  flex-direction: column;
  gap: 2px;
  z-index: 200;
}
.lang-dropdown.open .lang-menu {
  display: flex;
}
[dir="rtl"] .lang-menu {
  right: auto;
  left: 0;
}
.lang-option {
  display: flex;
  align-items: center;
  gap: 8px;
  background: transparent;
  border: none;
  border-radius: var(--r-sm);
  color: var(--text);
  cursor: pointer;
  font-family: var(--sans);
  font-size: 0.82rem;
  font-weight: 500;
  padding: 8px 12px;
  transition: all var(--t);
  text-align: left;
  width: 100%;
}
[dir="rtl"] .lang-option {
  text-align: right;
  flex-direction: row-reverse;
}
.lang-option:hover {
  background: var(--gold-dim);
  color: var(--gold);
}
.lang-option.active {
  background: var(--gold-dim);
  color: var(--gold);
  font-weight: 600;
}
.lang-flag {
  font-size: 1rem;
  line-height: 1;
}

/* Arabic font override */
[lang="ar"] body,
[lang="ar"] h1,
[lang="ar"] h2,
[lang="ar"] h3,
[lang="ar"] p,
[lang="ar"] span,
[lang="ar"] a,
[lang="ar"] button {
  font-family: 'Cairo', 'DM Sans', sans-serif;
}
[lang="ar"] h1,
[lang="ar"] h2,
[lang="ar"] h3 {
  font-family: 'Cairo', 'DM Serif Display', serif;
}

/* RTL layout fixes */
[dir="rtl"] .nav-container,
[dir="rtl"] .who-wrap,
[dir="rtl"] .why-wrap,
[dir="rtl"] .footer-top,
[dir="rtl"] .contact-inner,
[dir="rtl"] .hero-container,
[dir="rtl"] .nav-actions,
[dir="rtl"] .footer-brand-link,
[dir="rtl"] .nav-brand,
[dir="rtl"] .who-top,
[dir="rtl"] .hero-btns,
[dir="rtl"] .who-card,
[dir="rtl"] .who-info,
[dir="rtl"] .next-cards,
[dir="rtl"] .footer-bottom {
  flex-direction: row-reverse;
}
[dir="rtl"] .nav-menu {
  flex-direction: row-reverse;
}
[dir="rtl"] .process-connector {
  left: auto;
  right: 100%;
  transform: scaleX(-1);
}
[dir="rtl"] .section-label,
[dir="rtl"] .section-heading,
[dir="rtl"] .section-body,
[dir="rtl"] .hero-eyebrow,
[dir="rtl"] .hero-body,
[dir="rtl"] .footer-tagline,
[dir="rtl"] .footer-nmls,
[dir="rtl"] .footer-legal {
  text-align: right;
}
[dir="rtl"] .footer-col ul {
  text-align: right;
}
[dir="rtl"] .who-image-badge {
  left: auto;
  right: -1rem;
}
[dir="rtl"] .footer-social {
  justify-content: flex-end;
}
[dir="rtl"] .faq-toggle {
  flex-direction: row-reverse;
}
[dir="rtl"] .hero-top {
  text-align: right;
}
[dir="rtl"] .mobile-nav {
  text-align: right;
}

/* Theme button */
.theme-btn {
  width: 38px; height: 38px;
  border-radius: 50%;
  border: 1.5px solid var(--border);
  background: var(--bg-card);
  color: var(--text);
  display: flex; align-items: center; justify-content: center;
  transition: all var(--t);
  flex-shrink: 0;
}
.navbar:not(.scrolled) .theme-btn {
  background: rgba(255,255,255,0.1);
  border-color: rgba(255,255,255,0.3);
  color: #fff;
}
.theme-btn:hover {
  background: var(--gold-dim);
  border-color: var(--gold);
  color: var(--gold);
}

/* Show correct icon */
.icon-sun  { display:none; }
.icon-moon { display:block; }
[data-theme="dark"] .icon-sun  { display:block; }
[data-theme="dark"] .icon-moon { display:none; }

/* Hamburger */
.hamburger {
  display:flex; flex-direction:column;
  justify-content:center; gap:5px;
  width:38px; height:38px;
  padding:8px;
  border-radius: var(--r-sm);
}
@media (min-width:960px) { .hamburger { display:none; } }

.hamburger span {
  display:block; width:100%; height:2px;
  background: var(--text);
  border-radius:2px;
  transition: all var(--t);
}
.navbar:not(.scrolled) .hamburger span { background:#fff; }
.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); }


/* ------------------------------------------------
   6. MOBILE NAV DRAWER
   ------------------------------------------------ */
.mobile-nav {
  background: var(--bg);
  border-top: 0px solid transparent;
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s cubic-bezier(0.4,0,0.2,1),
              border-top-width 0.4s cubic-bezier(0.4,0,0.2,1);
}
.mobile-nav.open {
  max-height: 480px;
  border-top: 1px solid var(--border);
}

.mobile-nav {
  display: flex;
  flex-direction: column;
  padding: 0 var(--px);
}
.mobile-nav.open { padding-block: 1rem 1.5rem; }

.mob-link {
  padding: 0.75rem 0.5rem;
  font-size: 1rem;
  font-weight: 500;
  color: var(--text);
  border-radius: var(--r-sm);
  transition: background var(--t), color var(--t);
}
.mob-link:hover { background: var(--gold-pale); color: var(--gold); }

.mob-cta {
  margin-top: 0.5rem;
  padding: 0.75rem 1.25rem;
  background: var(--gold);
  color: #fff !important;
  border-radius: var(--r-full);
  text-align: center;
  font-weight: 600;
}
.mob-cta:hover { background: var(--gold-light) !important; }


/* ------------------------------------------------
   7. HERO
   ------------------------------------------------ */
.hero {
  position: relative;
  min-height: 100svh;
  display: flex;
  align-items: center;
  overflow: hidden;
}

/* ---- Hero slideshow slides ---- */
.hero-slide {
  position: absolute; inset: 0;
  background-size: cover;
  background-position: center 35%;
  will-change: transform, opacity;
  animation: imgCycle 32s ease-in-out infinite;
}
.hero-slide--1 {
  background-image: url('../assets/photo-1600596542815-ffad4c1539a9.avif');
  animation-delay: 0s;
}
.hero-slide--2 {
  background-image: url('../assets/photo-1600585154340-be6161a56a0c.avif');
  background-position: center 50%;
  animation-delay: -8s;
}
.hero-slide--3 {
  background-image: url('../assets/photo-1560518883-ce09059eeffa.avif');
  background-position: center 40%;
  animation-delay: -16s;
}
.hero-slide--4 {
  background-image: url('https://images.unsplash.com/photo-1570129477492-45c003edd2be?auto=format&fit=crop&w=1920&q=80');
  background-position: center 30%;
  animation-delay: -24s;
}

.hero-overlay {
  position: absolute; inset: 0;
  z-index: 1;
  background: linear-gradient(
    105deg,
    rgba(1,6,12,0.82) 0%,
    rgba(13,32,64,0.65) 55%,
    rgba(1,6,12,0.35) 100%
  );
}

.hero-container {
  position: relative; z-index:5;
  width:100%; max-width: var(--max-w);
  margin-inline: auto;
  padding-inline: var(--px);
  padding-block: calc(var(--nav-h) + 4rem) 4rem;
}

.hero-left {
  max-width: 640px;
  display: flex;
  flex-direction: column;
  gap: 3rem;
}

.hero-top { display:flex; flex-direction:column; gap:1.5rem; }

.hero-eyebrow {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-light);
}

.hero-heading {
  font-family: var(--serif);
  font-size: clamp(2.8rem, 6.5vw, 5.5rem);
  font-weight: 400;
  line-height: 1.08;
  letter-spacing: -0.01em;
  color: #fff;
  padding-bottom: 0.15em; /* room for italic descenders */
}
.hero-heading em {
  font-style: italic;
  color: var(--gold-light);
}

.hero-body {
  font-size: clamp(1rem, 2vw, 1.2rem);
  line-height: 1.75;
  color: rgba(255,255,255,0.82);
  max-width: 50ch;
}

.hero-btns {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  align-items: center;
}

/* Mini stat cards */
.hero-stats {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
}

.stat-card {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.14);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border-radius: var(--r-md);
  padding: 1rem 1.5rem;
  min-width: 140px;
}

.stat-value {
  font-family: var(--serif);
  font-size: 1.6rem;
  font-weight: 400;
  color: var(--gold-light);
  line-height: 1.1;
}

.stat-label {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.65);
  margin-top: 0.25rem;
  line-height: 1.4;
}

/* Scroll cue */
.scroll-cue {
  position:absolute; bottom:2rem; left:50%;
  transform: translateX(-50%);
  z-index:2;
}
.scroll-cue span {
  display:block;
  width:22px; height:38px;
  border:2px solid rgba(255,255,255,0.35);
  border-radius: var(--r-full);
  position:relative;
}
.scroll-cue span::before {
  content:'';
  position:absolute;
  top:5px; left:50%;
  transform:translateX(-50%);
  width:3px; height:7px;
  background:rgba(255,255,255,0.65);
  border-radius:var(--r-full);
  animation: scrollDot 2s infinite;
}
@keyframes scrollDot {
  0%,100% { transform:translateX(-50%) translateY(0); opacity:1; }
  80%      { transform:translateX(-50%) translateY(13px); opacity:0; }
}


/* ------------------------------------------------
   8. TRUST STATS BAR
   ------------------------------------------------ */
.trust-bar {
  display: grid;
  grid-template-columns: 1fr 1px 1fr 1px 1fr;
  align-items: center;
  background: var(--bg);
  border-bottom: 1px solid var(--border);
  padding: 2rem var(--px);
  max-width: 100%;
}
[data-theme="dark"] .trust-bar { background: var(--bg-alt); }

.trust-stat {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 0.3rem;
  padding: 1rem 1.5rem;
  text-align: center;
}
.trust-num {
  font-family: var(--serif);
  font-size: clamp(1.8rem, 3.5vw, 2.8rem);
  font-weight: 400;
  color: var(--gold);
  line-height: 1;
  letter-spacing: -0.02em;
}
.trust-num small {
  font-size: 0.55em;
  vertical-align: super;
  color: var(--gold-light);
  font-family: var(--sans);
  font-weight: 600;
}
.trust-label {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-3);
}
.trust-divider {
  width: 1px;
  height: 40px;
  background: var(--border);
  justify-self: center;
}
@media (max-width: 768px) {
  .trust-bar {
    grid-template-columns: 1fr 1fr;
    grid-template-rows: auto auto;
    gap: 0;
  }
  .trust-divider { display: none; }
  .trust-stat {
    border-bottom: 1px solid var(--border);
    padding: 1.25rem 1rem;
  }
  .trust-stat:nth-child(5),
  .trust-stat:nth-child(7) { border-bottom: none; }
}

/* ------------------------------------------------
   9. LOAN MARQUEE
   ------------------------------------------------ */
.marquee-section {
  background: var(--bg);
  border-block: 1px solid var(--border);
  padding-block: 0;
  overflow: hidden;
}

.marquee-label {
  display: flex;
  justify-content: center;
  padding: 2.5rem var(--px) 1.5rem;
}
.marquee-label span {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--text-3);
}

.marquee-track-wrap {
  overflow: hidden;
  padding-block: 0.5rem;
  /* Fade edges */
  mask-image: linear-gradient(to right, transparent 0%, black 8%, black 92%, transparent 100%);
  -webkit-mask-image: linear-gradient(to right, transparent 0%, black 8%, black 92%, transparent 100%);
}

.marquee-track {
  display: flex;
  gap: 1rem;
  width: max-content;
  padding-block: 0.5rem;
}

/* Left scroll animation */
.marquee-left {
  animation: marqueeLeft 28s linear infinite;
}
/* Right scroll animation */
.marquee-right {
  animation: marqueeRight 32s linear infinite;
}

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

/* Pause on hover */
.marquee-track-wrap:hover .marquee-track { animation-play-state: paused; }

/* Loan card chip */
.loan-card {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  padding: 0.7rem 1.4rem;
  background: var(--bg-card);
  border: 1.5px solid var(--border);
  border-radius: var(--r-full);
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text);
  white-space: nowrap;
  box-shadow: var(--sh-sm);
  flex-shrink: 0;
  transition: border-color var(--t), box-shadow var(--t), color var(--t);
  cursor: default;
}
.loan-card:hover {
  border-color: var(--gold);
  box-shadow: var(--sh-gold);
  color: var(--gold);
}

.loan-card--outline {
  background: transparent;
  border-style: dashed;
}

.loan-icon {
  display:flex; align-items:center; justify-content:center;
  color: var(--gold);
  flex-shrink:0;
}

.marquee-section { padding-bottom: 2.5rem; }


/* ------------------------------------------------
   9. ABOUT / WHO WE ARE
   ------------------------------------------------ */
.who-section { background: var(--bg-alt); }

.who-wrap {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3.5rem;
  align-items: center;
}
@media (min-width: 900px) {
  .who-wrap { grid-template-columns: 1fr 1fr; gap: 5rem; }
}

/* Left */
.who-left {
  display: flex;
  flex-direction: column;
  gap: 2.5rem;
}

.who-top {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}
.who-top .primary-btn { align-self: flex-start; }

/* Who cards (Fast/Personal/Reliable) */
.who-cards {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.who-card {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: 1.1rem 1.25rem;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  transition: box-shadow var(--t), transform var(--t), border-color var(--t);
}
.who-card:hover {
  box-shadow: var(--sh-md);
  transform: translateX(4px);
  border-color: var(--gold);
}

.who-icon {
  flex-shrink:0;
  width:40px; height:40px;
  border-radius: var(--r-sm);
  background: var(--gold-dim);
  border: 1px solid rgba(201,168,76,0.25);
  display:flex; align-items:center; justify-content:center;
  color: var(--gold);
}

.who-info {
  display: flex;
  flex-direction: column;
  gap: 0.2rem;
}
.who-info strong {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--text);
}
.who-info span {
  font-size: 0.85rem;
  color: var(--text-2);
  line-height: 1.5;
}

/* Right: image */
.who-cover {
  position: relative;
  border-radius: var(--r-xl);
  overflow: visible;
}
.who-image-clip {
  position: relative;
  border-radius: var(--r-xl);
  overflow: hidden;
}

.who-image {
  width:100%; aspect-ratio: 4/5;
  border-radius: var(--r-xl);
  background-size: cover;
  background-position: center;
  box-shadow: var(--sh-lg);
  animation: kenBurnsA 20s ease-in-out infinite alternate;
  will-change: transform;
  transform-origin: center center;
}
@media (min-width:900px) { .who-image { aspect-ratio: 3/4; } }

.who-image-badge {
  position: absolute;
  bottom: -1.25rem;
  left: -1.25rem;
  background: var(--gold);
  color: #fff;
  border-radius: var(--r-md);
  padding: 0.85rem 1.25rem;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.1rem;
  box-shadow: var(--sh-gold);
  min-width: 90px;
  text-align: center;
}
.who-image-badge strong {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  opacity: 0.85;
}
.who-image-badge span {
  font-family: var(--serif);
  font-size: 1.1rem;
  font-weight: 400;
}


/* ------------------------------------------------
   10. PROCESS SECTION
   ------------------------------------------------ */
.process-section {
  background: var(--bg-alt);
  position: relative;
}
[data-theme="dark"] .process-section { background: #000d1a; }

.process-section::before {
  content:'';
  position:absolute; inset:0;
  background: radial-gradient(ellipse at 70% 50%, rgba(201,168,76,0.06) 0%, transparent 60%);
  pointer-events:none;
}

.process-top {
  text-align: center;
  max-width: 600px;
  margin-inline: auto;
  margin-bottom: clamp(3rem, 5vw, 5rem);
  display:flex; flex-direction:column; gap:0.75rem;
}
.process-top .process-body-text { margin-inline: auto; }

/* Light mode: dark text on light bg */
.process-label  { color: var(--gold); }
.process-heading { color: var(--navy); }
.process-body-text { color: var(--text-2); }

/* Dark mode: light text */
[data-theme="dark"] .process-heading { color: #fff; }
[data-theme="dark"] .process-body-text { color: rgba(255,255,255,0.6); }

.process-grid {
  display: grid;
  gap: 1.25rem;
  grid-template-columns: 1fr;
  position: relative;
}
@media (min-width:640px)  { .process-grid { grid-template-columns: repeat(2,1fr); } }
@media (min-width:1024px) { .process-grid { grid-template-columns: repeat(4,1fr); } }

/* Card */
.process-item {
  position: relative;
  border-radius: var(--r-xl);
  background: var(--bg-card);
  border: 1px solid var(--border);
  padding: 2rem 1.75rem 2rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  overflow: hidden;
  transition: transform 0.35s cubic-bezier(0.16,1,0.3,1),
              box-shadow 0.35s ease,
              border-color 0.35s ease,
              background 0.35s ease;
}
[data-theme="dark"] .process-item {
  background: rgba(255,255,255,0.03);
  border-color: rgba(255,255,255,0.08);
}
.process-item::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  border-radius: var(--r-xl) var(--r-xl) 0 0;
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.45s cubic-bezier(0.16,1,0.3,1);
}
.process-item:hover::before { transform: scaleX(1); }
.process-item:hover {
  transform: translateY(-8px);
  box-shadow: var(--sh-lg);
  border-color: rgba(201,168,76,0.35);
  background: var(--bg-card);
}
[data-theme="dark"] .process-item:hover {
  box-shadow: 0 24px 56px rgba(0,0,0,0.55);
  background: rgba(255,255,255,0.055);
}

/* Ghost number in background */
.process-ghost-num {
  position: absolute;
  top: -0.5rem; right: 0.75rem;
  font-family: var(--serif);
  font-size: 7rem;
  font-weight: 400;
  line-height: 1;
  color: rgba(0,0,0,0.04);
  pointer-events: none;
  user-select: none;
  letter-spacing: -0.02em;
}
[data-theme="dark"] .process-ghost-num {
  color: rgba(255,255,255,0.04);
}

/* Icon circle */
.process-icon-wrap {
  width: 48px; height: 48px;
  border-radius: var(--r-md);
  background: rgba(201,168,76,0.1);
  border: 1px solid rgba(201,168,76,0.25);
  display: flex; align-items: center; justify-content: center;
  color: var(--gold);
  flex-shrink: 0;
  margin-bottom: 0.25rem;
  transition: background 0.3s ease, transform 0.3s cubic-bezier(0.34,1.56,0.64,1);
}
.process-item:hover .process-icon-wrap {
  background: rgba(201,168,76,0.2);
  transform: scale(1.1);
}

/* Step number */
.process-num {
  font-family: var(--serif);
  font-size: 0.8rem;
  font-weight: 400;
  color: var(--gold);
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.process-item h3 {
  font-family: var(--serif);
  font-size: 1.15rem;
  font-weight: 400;
  color: var(--text-dark);
  line-height: 1.35;
}

.process-item p {
  font-size: 0.855rem;
  line-height: 1.7;
  color: var(--text-2);
  flex: 1;
}

/* Connector arrow between cards (desktop only) */
.process-connector {
  display: none;
}
@media (min-width:1024px) {
  .process-connector {
    display: block;
    position: absolute;
    top: 50%;
    right: -1.25rem;
    transform: translateY(-50%);
    width: 1.25rem;
    height: 2px;
    background: linear-gradient(90deg, rgba(201,168,76,0.4), rgba(201,168,76,0.1));
    z-index: 2;
  }
  .process-connector::after {
    content: '';
    position: absolute;
    right: -4px; top: 50%;
    transform: translateY(-50%);
    border: 5px solid transparent;
    border-left-color: rgba(201,168,76,0.35);
  }
}


/* ------------------------------------------------
   11. NEXT STEPS — 3 gradient cards
   ------------------------------------------------ */
.next-section { background: var(--bg); }

.next-header {
  text-align:center;
  margin-bottom: clamp(2.5rem, 4vw, 4rem);
  display:flex; flex-direction:column; gap:0.75rem; align-items:center;
}

.next-cards {
  display: grid;
  gap: 1.5rem;
  grid-template-columns: 1fr;
}
@media (min-width:640px)  { .next-cards { grid-template-columns: repeat(3,1fr); } }

.next-card {
  position: relative;
  border-radius: var(--r-lg);
  overflow: hidden;
  aspect-ratio: 3/4;
  display:flex; align-items:flex-end;
  transition: transform var(--t), box-shadow var(--t);
  cursor:pointer;
}
@media (min-width:640px) { .next-card { aspect-ratio: 2/3; } }

.next-card:hover { transform:translateY(-6px); box-shadow: var(--sh-lg); }

.next-card-bg {
  position:absolute; inset:0;
  background-size:cover; background-position:center;
  animation: kenBurnsC 18s ease-in-out infinite alternate;
  will-change: transform;
  transition: transform 0.6s ease;
}
.next-card:hover .next-card-bg { animation-play-state: paused; transform: scale(1.1); }

.next-card-overlay {
  position:absolute; inset:0;
  background: linear-gradient(
    to top,
    rgba(1,6,12,0.88) 0%,
    rgba(13,32,64,0.55) 50%,
    rgba(1,6,12,0.1) 100%
  );
  transition: background var(--t);
}
.next-card:hover .next-card-overlay {
  background: linear-gradient(
    to top,
    rgba(1,6,12,0.92) 0%,
    rgba(13,32,64,0.65) 55%,
    rgba(1,6,12,0.15) 100%
  );
}

.next-card-body {
  position:relative; z-index:2;
  padding: 1.75rem;
  display:flex; flex-direction:column; gap:0.5rem;
}

.next-card-icon {
  width:48px; height:48px;
  border-radius: var(--r-md);
  background: rgba(201,168,76,0.2);
  border: 1px solid rgba(201,168,76,0.3);
  display:flex; align-items:center; justify-content:center;
  color: var(--gold-light);
  margin-bottom:0.5rem;
}

.next-card-body h3 {
  font-family:var(--serif);
  font-size:1.4rem; font-weight:400;
  color:#fff;
}

.next-card-body p {
  font-size:0.85rem; line-height:1.5;
  color:rgba(255,255,255,0.65);
}

.next-card-cta {
  margin-top:0.5rem;
  font-size:0.85rem; font-weight:600;
  color: var(--gold-light);
  transition: color var(--t), letter-spacing var(--t);
}
.next-card:hover .next-card-cta {
  color:#fff;
  letter-spacing: 0.04em;
}


/* ------------------------------------------------
   12. FAQ + IMAGE SPLIT
   ------------------------------------------------ */
.faq-section { background: var(--bg-alt); }

.why-wrap {
  display:grid;
  grid-template-columns:1fr;
  gap:4rem;
  align-items:center;
}
@media (min-width:960px) {
  .why-wrap { grid-template-columns:1fr 1fr; gap:5rem; }
}

/* Left: FAQ data */
.why-data {
  display:flex; flex-direction:column; gap:2.5rem;
}

.why-top {
  display:flex; flex-direction:column; gap:0.9rem;
}

/* FAQ list */
.faq-list {
  display:flex; flex-direction:column; gap:0.6rem;
}

.faq-item {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  overflow:hidden;
  transition: border-color var(--t), box-shadow var(--t);
}
.faq-item.open {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px var(--gold-dim);
}

.faq-toggle {
  width:100%;
  display:flex; align-items:center; justify-content:space-between;
  gap:1rem;
  padding:1.1rem 1.25rem;
  font-size:0.93rem; font-weight:600;
  color: var(--text);
  text-align:left;
  background:none; border:none; cursor:pointer;
  transition: color var(--t);
}
.faq-item.open .faq-toggle { color: var(--gold); }

.faq-icon {
  flex-shrink:0;
  width:22px; height:22px;
  border:1.5px solid var(--border);
  border-radius:50%;
  position:relative;
  transition: transform 0.3s cubic-bezier(0.34,1.56,0.64,1), background var(--t), border-color var(--t);
}
.faq-h, .faq-v {
  position:absolute; background:var(--text-2); border-radius:2px;
  transition: background var(--t), transform var(--t), opacity var(--t);
}
.faq-h { width:10px; height:1.5px; top:50%; left:50%; transform:translate(-50%,-50%); }
.faq-v { width:1.5px; height:10px; top:50%; left:50%; transform:translate(-50%,-50%); }

.faq-item.open .faq-icon { background:var(--gold); border-color:var(--gold); transform:rotate(45deg); }
.faq-item.open .faq-h, .faq-item.open .faq-v { background:#fff; }

.faq-answer {
  max-height:0; overflow:hidden;
  transition: max-height 0.4s cubic-bezier(0.4,0,0.2,1);
}
.faq-item.open .faq-answer { max-height:300px; }

.faq-answer p {
  padding: 0 1.25rem 1.1rem;
  font-size:0.88rem; line-height:1.7;
  color: var(--text-2);
}

/* Right: image */
.why-image-wrap {
  position:relative;
  border-radius: var(--r-xl);
  overflow:hidden;
}

.why-image {
  width:100%; aspect-ratio:3/4;
  border-radius: var(--r-xl);
  background-size:cover; background-position:center;
  animation: kenBurnsB 24s ease-in-out infinite alternate;
  will-change: transform;
  box-shadow: var(--sh-lg);
}

.why-badge {
  position:absolute;
  top:1.5rem; right:-1rem;
  background: var(--navy-mid);
  color:#fff;
  border-radius: var(--r-md);
  padding: 0.75rem 1.1rem;
  display:flex; align-items:center; gap:0.6rem;
  font-size:0.85rem; font-weight:600;
  box-shadow: var(--sh-md);
}
[data-theme="dark"] .why-badge { background: var(--gold); color: var(--bg-dark); }

@media (max-width:959px) { .why-image-wrap { order:-1; } }


/* ------------------------------------------------
   13. TESTIMONIALS (dark bg)
   Layout: left stats + right slider
   ------------------------------------------------ */
.testimonials-section {
  background: var(--bg-dark);
  position: relative;
  overflow: hidden;
  overflow-x: clip; /* prevent horizontal bleed on mobile */
}
[data-theme="dark"] .testimonials-section { background: var(--bg-dark); }

.testimonials-section::before {
  content:'';
  position:absolute; inset:0;
  background: radial-gradient(ellipse at 20% 50%, rgba(45,107,168,0.12) 0%, transparent 60%);
  pointer-events:none;
}

.testimonials-wrap {
  display:grid;
  grid-template-columns:1fr;
  gap:2.5rem;
  position:relative; z-index:1;
}
@media (min-width:900px) {
  .testimonials-wrap { grid-template-columns:1fr 1.4fr; gap:5rem; align-items:center; }
}

/* Left */
.testimonials-left {
  display:flex; flex-direction:column; gap:2.5rem;
}

.testimonials-top {
  display:flex; flex-direction:column; gap:0.9rem;
}

.testimonials-stats {
  display:flex; gap:1rem; flex-wrap:wrap;
}

.t-stat-card {
  background: rgba(255,255,255,0.05);
  border:1px solid rgba(255,255,255,0.08);
  border-radius: var(--r-md);
  padding:1.1rem 1.4rem;
  flex:1; min-width:120px;
}

.t-stat-value {
  font-family: var(--serif);
  font-size:1.8rem; font-weight:400;
  color: var(--gold-light);
}
.t-stat-label {
  font-size:0.78rem;
  color: rgba(255,255,255,0.5);
  margin-top:0.25rem;
}

/* Right: slider */
.testimonials-right {
  position: relative;
  min-width: 0; /* prevent grid blowout */
  width: 100%;
}

.t-slider {
  overflow: hidden;
  border-radius: var(--r-xl);
  width: 100%;
}

.t-track {
  display: flex;
  width: 100%;
  transition: transform 0.5s cubic-bezier(0.4,0,0.2,1);
}

.t-slide {
  flex: 0 0 100%;
  min-width: 0;
  width: 100%;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--r-xl);
  padding: 2.5rem;
  display: flex; flex-direction: column; gap: 1.25rem;
  box-sizing: border-box;
}

.t-stars {
  font-size:1rem; letter-spacing:0.1em;
  color: var(--gold-light);
}

.t-slide blockquote {
  font-size:1rem; line-height:1.75;
  font-style:italic;
  color:rgba(255,255,255,0.80);
  flex:1;
}

.t-author {
  display:flex; align-items:center; gap:0.9rem;
  padding-top:1.1rem;
  border-top:1px solid rgba(255,255,255,0.08);
}

.t-avatar {
  flex-shrink:0;
  width:44px; height:44px;
  border-radius:50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: #01060c;
  display:flex; align-items:center; justify-content:center;
  font-size:0.75rem; font-weight:700; letter-spacing:0.05em;
}

.t-author strong {
  display:block; font-size:0.9rem; font-weight:600; color:#fff;
}
.t-author span {
  display:block; font-size:0.78rem; color:rgba(255,255,255,0.45); margin-top:2px;
}

/* Controls */
.t-controls {
  display:flex; align-items:center; justify-content:flex-start;
  gap:0.75rem; margin-top:1.5rem;
}

.t-prev, .t-next {
  width:40px; height:40px; border-radius:50%;
  border:1.5px solid rgba(255,255,255,0.2);
  color:#fff;
  display:flex; align-items:center; justify-content:center;
  transition: background var(--t), border-color var(--t), transform var(--t);
}
.t-prev:hover, .t-next:hover {
  background: var(--gold);
  border-color: var(--gold);
  transform: scale(1.08);
}

.t-dots { display:flex; gap:0.4rem; }

.t-dot {
  width:6px; height:6px; border-radius:50%;
  background: rgba(255,255,255,0.25);
  transition: background var(--t), width var(--t);
  cursor:pointer;
  border:none;
}
.t-dot.active {
  background: var(--gold-light);
  width:18px;
  border-radius:3px;
}


/* ------------------------------------------------
   14. CONTACT (simple CTA strip)
   ------------------------------------------------ */
.contact-section {
  background: var(--bg-alt);
  border-top:1px solid var(--border);
}

.contact-inner {
  display:flex; flex-wrap:wrap;
  gap:2.5rem; align-items:center; justify-content:space-between;
}

.contact-text {
  display:flex; flex-direction:column; gap:0.75rem;
  flex:1; min-width:260px;
}
.contact-text .section-body { color:var(--text-2); }

.contact-actions {
  display:flex; flex-wrap:wrap; gap:1rem; align-items:center;
}


/* ------------------------------------------------
   15. FOOTER
   ------------------------------------------------ */
.footer {
  background: var(--navy);
  color:rgba(255,255,255,0.7);
  padding-block: 5rem 2.5rem;
}
[data-theme="dark"] .footer {
  background: #000407;
}

.footer-inner { max-width:var(--max-w); }

.footer-top {
  display:grid;
  grid-template-columns:1fr;
  gap:3rem;
  padding-bottom:3rem;
  border-bottom:1px solid rgba(255,255,255,0.08);
}
@media (min-width:640px) { .footer-top { grid-template-columns:repeat(2,1fr); } }
@media (min-width:1024px) { .footer-top { grid-template-columns:2fr 1fr 1fr 1fr; gap:2.5rem; } }

.footer-brand-link {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  text-decoration: none;
  margin-bottom: 0.75rem;
}
.footer-logo {
  height:54px; width:auto; object-fit:contain;
  filter: brightness(0) invert(1); /* footer is always dark bg, so always white */
}
.footer-brand-name {
  font-family: var(--sans);
  font-size: 1.05rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  color: #fff;
  font-style: normal;
  line-height: 1.2;
  margin: 0;
  padding: 0;
  white-space: nowrap;
}
.footer-brand-name em {
  font-style: normal;
  font-weight: 400;
  opacity: 0.55;
  margin-left: 0.2em;
}
.footer-tagline {
  font-family:var(--serif); font-style:italic;
  font-size:1.15rem; color:var(--gold-light);
  margin-top:1rem; margin-bottom:0.3rem;
}
.footer-nmls {
  font-size:0.72rem; color:rgba(255,255,255,0.35);
  letter-spacing:0.04em; margin-bottom:1.1rem;
}
.footer-social { display:flex; gap:0.6rem; }

.social-link {
  width:34px; height:34px; border-radius:50%;
  border:1px solid rgba(255,255,255,0.12);
  color:rgba(255,255,255,0.45);
  display:flex; align-items:center; justify-content:center;
  transition: all var(--t);
}
.social-link:hover {
  background:var(--gold); border-color:var(--gold);
  color:#fff; transform:translateY(-2px);
}

.footer-col h4 {
  font-size:0.72rem; font-weight:700;
  letter-spacing:0.1em; text-transform:uppercase;
  color:rgba(255,255,255,0.4);
  margin-bottom:1.1rem;
}
.footer-col ul { display:flex; flex-direction:column; gap:0.65rem; }
.footer-col a {
  font-size:0.88rem; color:rgba(255,255,255,0.6);
  transition:color var(--t);
}
.footer-col a:hover { color:var(--gold-light); }

.footer-contact address {
  font-size:0.85rem; color:rgba(255,255,255,0.45); line-height:1.6;
}

.footer-bottom {
  display:flex; flex-wrap:wrap; gap:1rem;
  justify-content:space-between; align-items:center;
  padding-top:2rem;
}
.footer-legal {
  font-size:0.75rem; color:rgba(255,255,255,0.28);
  max-width:65ch; line-height:1.6;
}
.footer-eho {
  font-size:0.75rem; color:rgba(255,255,255,0.35);
  display:flex; align-items:center; gap:0.4rem; white-space:nowrap;
}


/* ------------------------------------------------
   16. BACK TO TOP
   ------------------------------------------------ */
.back-top {
  position:fixed; bottom:1.5rem; right:1.5rem; z-index:900;
  width:42px; height:42px; border-radius:50%;
  background:var(--gold); color:#fff;
  display:flex; align-items:center; justify-content:center;
  box-shadow:var(--sh-md);
  opacity:0; transform:translateY(14px);
  pointer-events:none;
  transition: opacity var(--t), transform var(--t), background var(--t);
}
.back-top.visible {
  opacity:1; transform:translateY(0); pointer-events:all;
}
.back-top:hover { background:var(--gold-light); transform:translateY(-2px); }


/* ------------------------------------------------
   17. REVEAL CLASSES (base states for JS)
   ------------------------------------------------ */
.reveal {
  opacity:0;
  transform:translateY(28px);
  transition: opacity 0.75s cubic-bezier(0.16,1,0.3,1),
              transform 0.75s cubic-bezier(0.16,1,0.3,1);
}
.reveal.visible { opacity:1; transform:none; }
.reveal-delay-1 { transition-delay:0.1s; }
.reveal-delay-2 { transition-delay:0.2s; }
.reveal-delay-3 { transition-delay:0.3s; }
.reveal-delay-4 { transition-delay:0.4s; }


/* ------------------------------------------------
   18. RESPONSIVE TWEAKS
   ------------------------------------------------ */
@media (max-width:480px) {
  .hero-btns, .contact-actions { flex-direction:column; }
  .hero-btns .primary-btn,
  .hero-btns .ghost-btn,
  .contact-actions .primary-btn,
  .contact-actions .ghost-btn { width:100%; justify-content:center; }
  .next-card { aspect-ratio: 4/3; }

  /* Testimonials mobile fixes */
  .t-slide { padding: 1.25rem; }
  .t-slide blockquote { font-size: 0.88rem; line-height: 1.65; }
  .testimonials-stats { flex-direction: column; gap: 0.75rem; }
  .t-stat-card { width: 100%; }
}

@media (max-width:640px) {
  .t-slide { padding: 1.5rem; }
  .t-slide blockquote { font-size: 0.92rem; }
}


/* ================================================
   19. HERO SLIDESHOW PIPS
================================================ */
.hero-pips {
  position: absolute;
  bottom: 2rem;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  gap: 0.5rem;
  z-index: 10;
}
.hero-pip {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: rgba(255,255,255,0.35);
  border: 1px solid rgba(255,255,255,0.5);
  transition: all 0.4s cubic-bezier(0.34,1.56,0.64,1);
  cursor: default;
}
.hero-pip.active {
  background: var(--gold);
  border-color: var(--gold);
  width: 24px;
  border-radius: 4px;
  box-shadow: 0 0 10px rgba(201,168,76,0.6);
}


/* ================================================
   HERO CURSOR SPOTLIGHT
================================================ */
.hero-spotlight {
  position: absolute;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle,
    rgba(201,168,76,0.18) 0%,
    rgba(201,168,76,0.06) 35%,
    transparent 70%
  );
  transform: translate(-50%, -50%);
  pointer-events: none;
  z-index: 2;
  opacity: 0;
  transition: opacity 0.4s ease;
  will-change: left, top;
}

/* ================================================
   GLOBAL CURSOR GLOW
================================================ */
.cursor-glow {
  position: fixed;
  top: 0;
  left: 0;
  width: 380px;
  height: 380px;
  border-radius: 50%;
  background: radial-gradient(circle,
    rgba(201,168,76,0.13) 0%,
    rgba(201,168,76,0.05) 40%,
    transparent 70%
  );
  pointer-events: none;
  z-index: 9999;
  opacity: 0;
  transition: opacity 0.4s ease;
  will-change: transform;
}
@media (hover: none) {
  .cursor-glow { display: none; }
}



/* ================================================
   20. CLIP-PATH BASE (so images show without JS)
================================================ */
.who-image-clip,
.why-image-wrap,
.hero-heading {
  clip-path: inset(0% 0% 0% 0%);
}


/* ================================================
   3D TILT CARD BASE
================================================ */
.process-item,
.who-card,
.faq-item {
  transform-style: preserve-3d;
  will-change: transform;
}

/* trust stat counter — animate in */
.trust-num {
  display: inline-block;
  animation: none;
}
.trust-stat.visible .trust-num {
  animation: countPop 0.4s cubic-bezier(0.34,1.56,0.64,1) both;
}
@keyframes countPop {
  0%   { transform: scale(0.7); opacity: 0; }
  100% { transform: scale(1);   opacity: 1; }
}


/* ================================================
   GRADIENT HEADINGS
================================================ */
.hero-heading em,
.section-heading em {
  background: linear-gradient(135deg, var(--gold-light) 0%, var(--gold) 50%, #e8a020 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  font-style: italic;
}

/* Ensure dark overlay doesn't affect gradient text */
[data-theme="dark"] .hero-heading em,
[data-theme="dark"] .section-heading em {
  background: linear-gradient(135deg, #f0d070 0%, var(--gold) 50%, #c8880a 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}


/* ================================================
   21. ENHANCED CARD HOVER EFFECTS
================================================ */
.who-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 32px rgba(201,168,76,0.18), var(--sh-md);
  border-color: rgba(201,168,76,0.35);
}

.loan-card:hover {
  box-shadow: 0 0 0 2px rgba(201,168,76,0.4), 0 8px 24px rgba(201,168,76,0.15);
  transform: translateY(-3px);
}

.process-item:hover .process-icon-wrap {
  background: var(--gold);
  border-color: var(--gold);
  color: #fff;
  box-shadow: 0 0 24px rgba(201,168,76,0.5);
}


/* ================================================
   22. SECTION GRADIENT ACCENTS
================================================ */

/* Subtle top glow on dark process section */
.process-section {
  position: relative;
}
.process-section::before {
  content: '';
  position: absolute;
  top: 0; left: 50%; transform: translateX(-50%);
  width: 60%;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(201,168,76,0.5), transparent);
}

/* Glowing gold line under hero */
.trust-bar {
  position: relative;
}
.trust-bar::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent 0%, rgba(201,168,76,0.4) 30%, rgba(201,168,76,0.7) 50%, rgba(201,168,76,0.4) 70%, transparent 100%);
}

/* Contact section: animated gradient background */
.contact-section {
  background: linear-gradient(135deg,
    var(--bg-alt) 0%,
    var(--bg) 40%,
    var(--bg-alt) 100%
  );
  position: relative;
  overflow: hidden;
}
.contact-section::before {
  content: '';
  position: absolute;
  top: -50%; left: -20%;
  width: 60%; height: 200%;
  background: radial-gradient(ellipse, rgba(201,168,76,0.06) 0%, transparent 70%);
  pointer-events: none;
}
[data-theme="dark"] .contact-section::before {
  background: radial-gradient(ellipse, rgba(201,168,76,0.08) 0%, transparent 70%);
}