/* =========================================
   YORBA HOME LOANS — Global Stylesheet
   Brand: Forest Green + Gold | Bold & Luxury
   ========================================= */

:root {
  --green-dark:   #1A2E13;
  --green-deep:   #2D4A1E;
  --green-mid:    #3A5C28;
  --gold:         #C9A84C;
  --gold-light:   #E2C97A;
  --gold-dark:    #A07A2C;
  --cream:        #F5F0E8;
  --white:        #FFFFFF;
  --charcoal:     #1C1C1E;
  --gray-soft:    #6B7280;
  --gray-light:   #E5E7EB;
  --font-serif:   'Playfair Display', Georgia, serif;
  --font-sans:    'Inter', 'Helvetica Neue', sans-serif;
  --transition:   0.3s ease;
  --radius:       4px;
  --shadow:       0 8px 40px rgba(0,0,0,0.18);
  --shadow-gold:  0 4px 20px rgba(201,168,76,0.25);
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-sans);
  background: var(--charcoal);
  color: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}

/* Typography */
h1, h2, h3, h4 { font-family: var(--font-serif); font-weight: 700; line-height: 1.2; }
h1 { font-size: clamp(2.4rem, 5vw, 4rem); }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.8rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); }
p  { font-size: 1.05rem; color: rgba(255,255,255,0.82); }

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

/* Gold divider line */
.divider {
  display: flex; align-items: center; gap: 1rem;
  margin: 0 auto 2.5rem;
}
.divider::before, .divider::after {
  content: ''; flex: 1; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold));
}
.divider::after { background: linear-gradient(90deg, var(--gold), transparent); }
.divider span { color: var(--gold); font-size: 1.2rem; }

/* Buttons */
.btn {
  display: inline-block;
  padding: 0.9rem 2.2rem;
  border-radius: var(--radius);
  font-family: var(--font-sans);
  font-size: 0.95rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  cursor: pointer;
  transition: var(--transition);
  border: none;
}
.btn-gold {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 50%, var(--gold) 100%);
  color: var(--green-dark);
  box-shadow: var(--shadow-gold);
}
.btn-gold:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(201,168,76,0.45);
}
.btn-outline {
  background: transparent;
  color: var(--gold);
  border: 1.5px solid var(--gold);
}
.btn-outline:hover {
  background: var(--gold);
  color: var(--green-dark);
}

/* Section wrapper */
.section { padding: 6rem 1.5rem; }
.container { max-width: 1200px; margin: 0 auto; }
.section-label {
  display: block;
  font-family: var(--font-sans);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.75rem;
}
.section-title { margin-bottom: 1rem; }
.section-sub  { color: rgba(255,255,255,0.65); max-width: 580px; margin-bottom: 3rem; }

/* =========================================
   NAVIGATION
   ========================================= */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 3rem;
  height: 120px;
  background: #FFFFFF;
  border-bottom: 1px solid #E5E7EB;
  box-shadow: 0 2px 20px rgba(0,0,0,0.07);
  transition: height 0.3s ease, box-shadow 0.3s ease;
}
nav.scrolled {
  height: 86px;
  box-shadow: 0 4px 24px rgba(0,0,0,0.12);
}
nav.scrolled .nav-logo img { height: 64px; }
.nav-logo {
  display: inline-flex;
  align-items: center;
  flex-shrink: 0;
  line-height: 0;
}
.nav-logo img {
  height: 90px;
  width: auto;
  display: block;
}
.nav-links {
  display: flex; align-items: center; gap: 1.8rem;
  list-style: none;
}
.nav-links a {
  font-size: 0.88rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  color: var(--green-dark);
  transition: var(--transition);
  position: relative;
}
.nav-links a::after {
  content: ''; position: absolute; bottom: -4px; left: 0; right: 0;
  height: 2px; background: var(--gold);
  transform: scaleX(0); transition: var(--transition);
  border-radius: 2px;
}
.nav-links a:hover, .nav-links a.active { color: var(--gold-dark); }
.nav-links a:hover::after, .nav-links a.active::after { transform: scaleX(1); }
.nav-cta { margin-left: 1rem; }

/* Dropdown Nav */
.nav-dropdown { position: relative; }
.nav-dropdown > a { display: flex; align-items: center; gap: 0.3rem; cursor: pointer; }
.dropdown-caret {
  font-size: 0.65rem;
  transition: transform var(--transition);
  display: inline-block;
  color: var(--green-dark);
}
.nav-dropdown:hover .dropdown-caret,
.nav-dropdown.open .dropdown-caret { transform: rotate(180deg); color: var(--gold-dark); }
.dropdown-menu {
  position: absolute;
  top: calc(100% + 14px);
  left: 50%;
  transform: translateX(-50%);
  background: #FFFFFF;
  border: 1px solid #E5E7EB;
  border-radius: 8px;
  box-shadow: 0 12px 40px rgba(0,0,0,0.12);
  min-width: 220px;
  padding: 0.5rem 0;
  list-style: none;
  opacity: 0;
  visibility: hidden;
  transform: translateX(-50%) translateY(-6px);
  transition: opacity 0.2s ease, transform 0.2s ease, visibility 0.2s;
  z-index: 200;
}
.nav-dropdown:hover .dropdown-menu,
.nav-dropdown.open .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}
.dropdown-menu::before {
  content: '';
  position: absolute;
  top: -6px; left: 50%;
  transform: translateX(-50%);
  border-left: 6px solid transparent;
  border-right: 6px solid transparent;
  border-bottom: 6px solid #E5E7EB;
}
.dropdown-menu::after {
  content: '';
  position: absolute;
  top: -5px; left: 50%;
  transform: translateX(-50%);
  border-left: 5px solid transparent;
  border-right: 5px solid transparent;
  border-bottom: 5px solid #FFFFFF;
}
.dropdown-menu li a {
  display: block;
  padding: 0.65rem 1.3rem;
  font-size: 0.875rem;
  font-weight: 500;
  letter-spacing: 0.02em;
  color: var(--green-dark);
  transition: background var(--transition), color var(--transition);
  white-space: nowrap;
}
.dropdown-menu li a::after { display: none; }
.dropdown-menu li a:hover { background: var(--cream); color: var(--gold-dark); }
.dropdown-menu .dropdown-divider { height: 1px; background: #E5E7EB; margin: 0.4rem 0; }
.dropdown-menu .dropdown-all a { color: var(--gold-dark); font-weight: 700; }

.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; }
.hamburger span { display: block; width: 26px; height: 2px; background: var(--green-dark); transition: var(--transition); }

@media (max-width: 820px) {
  nav { height: 90px; padding: 0 1.5rem; }
  nav.scrolled { height: 74px; }
  nav.scrolled .nav-logo img { height: 50px; }
  .nav-logo img { height: 68px; }
  .hamburger { display: flex; }
  .nav-links {
    position: fixed; top: 0; right: -100%; bottom: 0; width: 280px;
    flex-direction: column; justify-content: center; gap: 2rem;
    background: #FFFFFF;
    padding: 2rem;
    border-left: 1px solid var(--gray-light);
    box-shadow: -8px 0 32px rgba(0,0,0,0.12);
    transition: right 0.35s ease;
  }
  .nav-links.open { right: 0; }
  .nav-links a { color: var(--green-dark); font-size: 1rem; }
  .nav-cta { display: none; }
  .hero { padding-top: 90px; }
  .page-hero { padding: 10rem 1.5rem 4rem; }
  /* Mobile dropdown */
  .dropdown-menu {
    position: static;
    transform: none;
    box-shadow: none;
    border: none;
    background: var(--cream);
    border-radius: 6px;
    padding: 0.25rem 0;
    margin: 0.25rem 0 0.5rem 1rem;
    opacity: 1;
    visibility: visible;
    display: none;
  }
  .nav-dropdown.open .dropdown-menu { display: block; }
  .dropdown-menu::before, .dropdown-menu::after { display: none; }
  .dropdown-menu li a { font-size: 0.85rem; padding: 0.5rem 1rem; color: var(--green-dark); }
}

/* =========================================
   HERO
   ========================================= */
.hero {
  position: relative; min-height: 100vh;
  display: flex; align-items: center; justify-content: center;
  text-align: center;
  overflow: hidden;
  background: var(--green-dark);
  padding-top: 120px;
}
.hero-bg {
  position: absolute; inset: 0;
  background:
    linear-gradient(160deg, rgba(10,20,7,0.92) 0%, rgba(26,46,19,0.75) 50%, rgba(0,0,0,0.88) 100%),
    url('https://images.unsplash.com/photo-1560518883-ce09059eeffa?w=1800&q=80') center/cover no-repeat;
}
.hero-content {
  position: relative; z-index: 2;
  max-width: 860px; padding: 2rem 1.5rem;
}
.hero-badge {
  display: inline-block;
  border: 1px solid var(--gold);
  color: var(--gold);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  padding: 0.4rem 1.2rem;
  border-radius: 2px;
  margin-bottom: 1.8rem;
}
.hero h1 { color: var(--white); margin-bottom: 0.5rem; }
.hero h1 span { color: var(--gold); }
.hero-sub {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.75);
  max-width: 580px;
  margin: 1.2rem auto 2.5rem;
}
.hero-btns { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }
.hero-stats {
  display: flex; justify-content: center; gap: 3rem; flex-wrap: wrap;
  margin-top: 5rem;
  padding-top: 2.5rem;
  border-top: 1px solid rgba(201,168,76,0.2);
}
.stat-item { text-align: center; }
.stat-num {
  font-family: var(--font-serif);
  font-size: 2.2rem;
  color: var(--gold);
  display: block;
  font-weight: 700;
}
.stat-label {
  font-size: 0.78rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.55);
}

/* =========================================
   ABOUT STRIP (Homepage teaser)
   ========================================= */
.about-strip {
  background: var(--cream);
  color: var(--charcoal);
  padding: 5rem 1.5rem;
}
.about-strip .section-label { color: var(--green-deep); }
.about-strip p { color: rgba(28,28,30,0.72); }
.about-strip .section-title { color: var(--charcoal); }
.about-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center;
}
.about-text h2 { margin-bottom: 1.2rem; }
.about-text p { margin-bottom: 1.2rem; }
.about-features { list-style: none; margin: 1.5rem 0 2rem; }
.about-features li {
  display: flex; align-items: flex-start; gap: 0.8rem;
  padding: 0.6rem 0;
  border-bottom: 1px solid rgba(45,74,30,0.1);
  font-size: 0.95rem;
  color: rgba(28,28,30,0.8);
}
.about-features li .check { color: var(--green-deep); font-weight: 700; font-size: 1.1rem; }
.advisor-cards {
  display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem;
}
.advisor-card {
  background: var(--white);
  border-radius: 8px;
  padding: 1.8rem;
  text-align: center;
  box-shadow: 0 4px 20px rgba(0,0,0,0.08);
  border-top: 3px solid var(--gold);
  transition: var(--transition);
}
.advisor-card:hover { transform: translateY(-4px); box-shadow: 0 12px 40px rgba(0,0,0,0.14); }
.advisor-avatar {
  width: 80px; height: 80px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--green-deep), var(--green-mid));
  margin: 0 auto 1rem;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-serif);
  font-size: 1.8rem;
  color: var(--gold);
  font-weight: 700;
}
.advisor-card h4 { color: var(--charcoal); font-size: 1.05rem; margin-bottom: 0.25rem; }
.advisor-card p { font-size: 0.82rem; color: var(--gray-soft); }
@media (max-width: 768px) {
  .about-grid { grid-template-columns: 1fr; }
  .advisor-cards { grid-template-columns: 1fr 1fr; }
}

/* =========================================
   LOAN PROGRAMS SECTION
   ========================================= */
.loans-section { background: #111A0D; }
.loans-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.5rem;
  margin-top: 1rem;
}
.loan-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(201,168,76,0.18);
  border-radius: 8px;
  padding: 2rem 1.8rem;
  transition: var(--transition);
  position: relative; overflow: hidden;
}
.loan-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--gold-dark), var(--gold-light), var(--gold-dark));
  transform: scaleX(0); transition: var(--transition);
}
.loan-card:hover::before { transform: scaleX(1); }
.loan-card:hover {
  background: rgba(201,168,76,0.06);
  border-color: rgba(201,168,76,0.45);
  transform: translateY(-3px);
}
.loan-icon { font-size: 2.2rem; margin-bottom: 1rem; }
.loan-card h3 { color: var(--gold); margin-bottom: 0.75rem; font-size: 1.2rem; }
.loan-card p  { font-size: 0.92rem; color: rgba(255,255,255,0.65); margin-bottom: 1rem; }
.loan-tag {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 0.25rem 0.75rem;
  border-radius: 2px;
  background: rgba(201,168,76,0.12);
  color: var(--gold-light);
  border: 1px solid rgba(201,168,76,0.25);
}

/* =========================================
   PROCESS SECTION
   ========================================= */
.process-section { background: var(--green-dark); }
.process-steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 2rem; margin-top: 1rem; position: relative;
}
.process-step { text-align: center; padding: 1.5rem; }
.step-num {
  width: 60px; height: 60px;
  border-radius: 50%;
  background: transparent;
  border: 2px solid var(--gold);
  color: var(--gold);
  font-family: var(--font-serif);
  font-size: 1.5rem;
  font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 1.2rem;
}
.process-step h4 { color: var(--white); margin-bottom: 0.5rem; font-size: 1rem; }
.process-step p { font-size: 0.88rem; color: rgba(255,255,255,0.55); }

/* =========================================
   TESTIMONIALS
   ========================================= */
.testimonials-section { background: #0E1A09; padding: 6rem 1.5rem; }
.testimonials-grid {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.5rem; margin-top: 1rem;
}
.testimonial-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(201,168,76,0.15);
  border-radius: 8px; padding: 2rem;
}
.stars { color: var(--gold); font-size: 0.95rem; margin-bottom: 1rem; letter-spacing: 2px; }
.testimonial-card blockquote {
  font-family: var(--font-serif);
  font-size: 1.05rem;
  font-style: italic;
  color: rgba(255,255,255,0.85);
  line-height: 1.7; margin-bottom: 1.5rem;
}
.testimonial-author { font-size: 0.85rem; color: var(--gold); font-weight: 600; }
.testimonial-location { font-size: 0.78rem; color: rgba(255,255,255,0.4); }

/* =========================================
   CTA BAND
   ========================================= */
.cta-band {
  background: linear-gradient(135deg, var(--green-deep) 0%, var(--green-dark) 100%);
  border-top: 1px solid rgba(201,168,76,0.2);
  border-bottom: 1px solid rgba(201,168,76,0.2);
  padding: 5rem 1.5rem; text-align: center;
}
.cta-band h2 { color: var(--white); margin-bottom: 0.8rem; }
.cta-band p  { color: rgba(255,255,255,0.65); margin-bottom: 2.5rem; }

/* =========================================
   CONTACT SECTION
   ========================================= */
.contact-section { background: var(--charcoal); }
.contact-grid {
  display: grid; grid-template-columns: 1fr 1.4fr; gap: 4rem; align-items: start;
}
.contact-info h2 { margin-bottom: 1rem; }
.contact-info p  { margin-bottom: 2rem; }
.contact-detail {
  display: flex; align-items: flex-start; gap: 1rem;
  margin-bottom: 1.5rem;
}
.contact-detail-icon {
  width: 44px; height: 44px; flex-shrink: 0;
  background: rgba(201,168,76,0.1);
  border: 1px solid rgba(201,168,76,0.3);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
}
.contact-detail-text strong { display: block; color: var(--gold); font-size: 0.78rem; letter-spacing: 0.1em; text-transform: uppercase; margin-bottom: 0.2rem; }
.contact-detail-text span  { color: rgba(255,255,255,0.75); font-size: 0.95rem; }
.contact-form {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(201,168,76,0.15);
  border-radius: 8px; padding: 2.5rem;
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form-group { margin-bottom: 1.2rem; }
.form-group label {
  display: block; font-size: 0.78rem; font-weight: 600;
  letter-spacing: 0.1em; text-transform: uppercase;
  color: rgba(255,255,255,0.55); margin-bottom: 0.5rem;
}
.form-group input, .form-group select, .form-group textarea {
  width: 100%; background: rgba(255,255,255,0.06);
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: var(--radius); padding: 0.8rem 1rem;
  color: var(--white); font-family: var(--font-sans); font-size: 0.95rem;
  transition: var(--transition);
  -webkit-appearance: none;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  outline: none; border-color: var(--gold);
  background: rgba(201,168,76,0.07);
}
.form-group textarea { resize: vertical; min-height: 120px; }
.form-group select option { background: var(--charcoal); color: var(--white); }
@media (max-width: 768px) {
  .contact-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
}

/* =========================================
   FOOTER
   ========================================= */
footer {
  background: var(--green-dark);
  border-top: 1px solid rgba(201,168,76,0.2);
  padding: 4rem 1.5rem 2rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 3rem; margin-bottom: 3rem;
}
.footer-brand img { height: 56px; margin-bottom: 1rem; }
.footer-brand p { font-size: 0.88rem; color: rgba(255,255,255,0.5); max-width: 260px; }
.footer-col h5 {
  font-family: var(--font-sans); font-size: 0.75rem; font-weight: 700;
  letter-spacing: 0.18em; text-transform: uppercase;
  color: var(--gold); margin-bottom: 1.2rem;
}
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 0.65rem; }
.footer-col ul li a { font-size: 0.88rem; color: rgba(255,255,255,0.55); transition: var(--transition); }
.footer-col ul li a:hover { color: var(--gold); }
.footer-bottom {
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 1rem;
  padding-top: 2rem; border-top: 1px solid rgba(255,255,255,0.08);
  font-size: 0.8rem; color: rgba(255,255,255,0.35);
}
.footer-bottom a { color: rgba(255,255,255,0.35); transition: var(--transition); }
.footer-bottom a:hover { color: var(--gold); }
.west-credit {
  display: flex; align-items: center; gap: 0.5rem;
  font-size: 0.75rem; color: rgba(255,255,255,0.3);
}
@media (max-width: 900px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 500px) {
  .footer-grid { grid-template-columns: 1fr; }
}

/* =========================================
   ABOUT PAGE
   ========================================= */
.page-hero {
  padding: 12rem 1.5rem 5rem;
  background: linear-gradient(160deg, var(--green-dark) 0%, #0D1608 100%);
  text-align: center;
  border-bottom: 1px solid rgba(201,168,76,0.2);
}
.page-hero h1 { color: var(--white); }
.page-hero p { color: rgba(255,255,255,0.6); max-width: 560px; margin: 1rem auto 0; }
.team-section { background: var(--charcoal); }
.team-cards {
  display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; margin-top: 2rem;
}
.team-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(201,168,76,0.18);
  border-radius: 10px; overflow: hidden;
}
.team-card-top {
  background: linear-gradient(135deg, var(--green-deep), var(--green-dark));
  padding: 3rem 2rem; text-align: center;
  border-bottom: 1px solid rgba(201,168,76,0.2);
}
.team-card-avatar {
  width: 110px; height: 110px;
  border-radius: 50%;
  border: 3px solid var(--gold);
  margin: 0 auto 1.2rem;
  background: linear-gradient(135deg, var(--green-mid), var(--green-dark));
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-serif); font-size: 2.5rem; color: var(--gold); font-weight: 700;
}
.team-card-top h3 { color: var(--white); margin-bottom: 0.3rem; }
.team-card-top span { color: var(--gold); font-size: 0.82rem; letter-spacing: 0.12em; text-transform: uppercase; }
.team-card-body { padding: 2rem; }
.team-card-body p { font-size: 0.93rem; color: rgba(255,255,255,0.68); margin-bottom: 1rem; }
.team-credentials { list-style: none; margin-top: 1.2rem; }
.team-credentials li {
  font-size: 0.85rem; color: rgba(255,255,255,0.55);
  padding: 0.4rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  display: flex; align-items: center; gap: 0.6rem;
}
.team-credentials li::before { content: '◆'; color: var(--gold); font-size: 0.5rem; }
@media (max-width: 768px) {
  .team-cards { grid-template-columns: 1fr; }
}
.values-section { background: var(--green-dark); }
.values-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; margin-top: 1rem;
}
.value-card {
  padding: 2rem; border-left: 2px solid rgba(201,168,76,0.3);
  transition: var(--transition);
}
.value-card:hover { border-left-color: var(--gold); }
.value-icon { font-size: 2rem; margin-bottom: 1rem; }
.value-card h4 { color: var(--gold); margin-bottom: 0.6rem; }
.value-card p { font-size: 0.88rem; color: rgba(255,255,255,0.58); }
@media (max-width: 768px) {
  .values-grid { grid-template-columns: 1fr; }
}

/* =========================================
   LOANS PAGE
   ========================================= */
.loans-detail { background: var(--charcoal); }
.loan-detail-grid {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 2rem; margin-top: 1rem;
}
.loan-detail-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(201,168,76,0.18);
  border-radius: 8px; padding: 2.5rem;
  transition: var(--transition);
}
.loan-detail-card:hover {
  border-color: rgba(201,168,76,0.4);
  background: rgba(201,168,76,0.05);
}
.loan-detail-card .loan-icon { font-size: 2.5rem; margin-bottom: 1.2rem; }
.loan-detail-card h3 { color: var(--gold); margin-bottom: 0.8rem; }
.loan-detail-card > p { color: rgba(255,255,255,0.68); margin-bottom: 1.5rem; font-size: 0.95rem; }
.loan-highlights { list-style: none; }
.loan-highlights li {
  font-size: 0.88rem; color: rgba(255,255,255,0.6);
  padding: 0.45rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  display: flex; align-items: center; gap: 0.6rem;
}
.loan-highlights li::before { content: '✓'; color: var(--gold); font-weight: 700; }
@media (max-width: 768px) {
  .loan-detail-grid { grid-template-columns: 1fr; }
}

/* =========================================
   UTILITY
   ========================================= */
.text-gold  { color: var(--gold); }
.text-center { text-align: center; }
.mt-2 { margin-top: 2rem; }
.mb-0 { margin-bottom: 0 !important; }

/* =========================================
   MORTGAGE CALCULATOR
   ========================================= */
.calc-wrapper {
  display: grid; grid-template-columns: 1fr 1fr; gap: 3rem;
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(201,168,76,0.18);
  border-radius: 12px; padding: 2.5rem;
}
.calc-group { margin-bottom: 1.8rem; }
.calc-label {
  display: block;
  font-size: 0.78rem; font-weight: 700;
  letter-spacing: 0.12em; text-transform: uppercase;
  color: rgba(255,255,255,0.55); margin-bottom: 0.6rem;
}
.calc-input-wrap {
  display: flex; align-items: center;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: var(--radius); overflow: hidden;
  margin-bottom: 0.7rem;
}
.calc-prefix {
  padding: 0 0.9rem; color: var(--gold); font-weight: 600;
  font-size: 1rem; background: rgba(201,168,76,0.08);
  border-right: 1px solid rgba(201,168,76,0.2);
}
.calc-input {
  flex: 1; background: transparent; border: none; outline: none;
  color: var(--white); font-size: 1.1rem; font-weight: 600;
  padding: 0.75rem 1rem;
  -moz-appearance: textfield;
}
.calc-input::-webkit-outer-spin-button,
.calc-input::-webkit-inner-spin-button { -webkit-appearance: none; }
.calc-slider {
  width: 100%; -webkit-appearance: none; appearance: none;
  height: 4px; background: rgba(255,255,255,0.1);
  border-radius: 2px; outline: none; cursor: pointer;
}
.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none; width: 18px; height: 18px;
  background: var(--gold); border-radius: 50%;
  cursor: pointer; transition: var(--transition);
  box-shadow: 0 2px 8px rgba(201,168,76,0.4);
}
.calc-slider::-webkit-slider-thumb:hover { transform: scale(1.2); }
.calc-range-labels {
  display: flex; justify-content: space-between;
  font-size: 0.72rem; color: rgba(255,255,255,0.3);
  margin-top: 0.4rem;
}
.term-btn {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(201,168,76,0.2);
  color: rgba(255,255,255,0.6);
  padding: 0.65rem 0.5rem; border-radius: var(--radius);
  font-size: 0.8rem; font-weight: 600; cursor: pointer;
  transition: var(--transition); letter-spacing: 0.02em;
}
.term-btn:hover { border-color: var(--gold); color: var(--gold); }
.term-btn.active {
  background: rgba(201,168,76,0.15);
  border-color: var(--gold); color: var(--gold);
}
.calc-results {
  background: rgba(201,168,76,0.05);
  border: 1px solid rgba(201,168,76,0.25);
  border-radius: 10px; padding: 2rem;
  display: flex; flex-direction: column; justify-content: center;
}
.calc-result-main { text-align: center; margin-bottom: 2rem; }
.calc-payment {
  font-family: var(--font-serif);
  font-size: 3.5rem; font-weight: 700;
  color: var(--gold); line-height: 1;
  margin: 0.4rem 0;
}
.calc-payment-sub { font-size: 0.78rem; color: rgba(255,255,255,0.35); }
.calc-breakdown { margin-bottom: 1.5rem; }
.calc-breakdown-item {
  display: flex; justify-content: space-between; align-items: center;
  padding: 0.6rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.calc-bd-label { font-size: 0.82rem; color: rgba(255,255,255,0.5); }
.calc-bd-val { font-size: 0.9rem; color: var(--white); font-weight: 600; }
.calc-disclaimer {
  font-size: 0.7rem; color: rgba(255,255,255,0.25);
  line-height: 1.5; margin-bottom: 1rem;
}
@media (max-width: 768px) {
  .calc-wrapper { grid-template-columns: 1fr; }
}

/* =========================================
   BROKER VS BANK COMPARISON
   ========================================= */
.compare-wrapper { overflow-x: auto; }
.compare-table { min-width: 600px; border-radius: 10px; overflow: hidden; }
.compare-header {
  display: grid; grid-template-columns: 1.4fr 1fr 1.4fr;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-bottom: none;
}
.compare-col-label {
  padding: 1rem 1.2rem;
  font-size: 0.75rem; font-weight: 700;
  letter-spacing: 0.1em; text-transform: uppercase;
  color: rgba(255,255,255,0.4);
}
.compare-header .bank-col, .compare-header .broker-col {
  padding: 1rem 1.2rem; text-align: center;
  font-size: 0.9rem; font-weight: 700;
}
.compare-header .bank-col { color: rgba(255,255,255,0.45); border-left: 1px solid rgba(255,255,255,0.08); }
.compare-header .broker-col { color: var(--gold); border-left: 1px solid rgba(201,168,76,0.2); }
.compare-row {
  display: grid; grid-template-columns: 1.4fr 1fr 1.4fr;
  border: 1px solid rgba(255,255,255,0.06);
  border-top: none;
  transition: var(--transition);
}
.compare-row:hover { background: rgba(255,255,255,0.03); }
.compare-row .compare-col-label {
  font-size: 0.85rem; color: rgba(255,255,255,0.65);
  text-transform: none; letter-spacing: 0; font-weight: 500;
  border-right: 1px solid rgba(255,255,255,0.06);
  padding: 0.9rem 1.2rem;
}
.compare-col { padding: 0.9rem 1.2rem; font-size: 0.85rem; }
.bank-col { text-align: center; border-left: 1px solid rgba(255,255,255,0.06); }
.broker-col { text-align: center; border-left: 1px solid rgba(201,168,76,0.15); }
.bad { color: rgba(255,255,255,0.38); }
.good { color: var(--gold-light); font-weight: 500; }

/* YHL Own Products Grid */
.yhl-products-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 1px;
  background: rgba(201,168,76,0.15);
  border: 1px solid rgba(201,168,76,0.15);
  border-radius: 8px;
  overflow: hidden;
  margin-bottom: 1rem;
}
.yhl-product-card {
  background: var(--green-dark);
  padding: 2rem 1.5rem;
  transition: background var(--transition);
}
.yhl-product-card:hover { background: rgba(26,46,19,0.9); }
.yhl-product-num {
  font-family: var(--font-serif);
  font-size: 2rem;
  font-weight: 700;
  color: rgba(201,168,76,0.35);
  line-height: 1;
  margin-bottom: 0.75rem;
  letter-spacing: -0.02em;
}
.yhl-product-card h4 {
  color: var(--gold);
  font-size: 0.95rem;
  margin-bottom: 0.6rem;
  font-family: var(--font-sans);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.yhl-product-card p {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.62);
  line-height: 1.55;
  margin: 0;
}
@media (max-width: 900px) {
  .yhl-products-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 600px) {
  .yhl-products-grid { grid-template-columns: 1fr 1fr; }
}

/* Licensing Strip */
.licensing-strip {
  display: flex;
  align-items: center;
  gap: 2rem;
  background: var(--green-dark);
  border: 1px solid rgba(201,168,76,0.3);
  border-radius: 8px;
  padding: 2rem 2.5rem;
  margin: 3rem 0 0;
  flex-wrap: wrap;
}
.licensing-strip-left {
  display: flex;
  flex-direction: column;
  align-items: center;
  flex-shrink: 0;
  min-width: 80px;
}
.licensing-number {
  font-family: var(--font-serif);
  font-size: 3.5rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
}
.licensing-unit {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  margin-top: 0.2rem;
}
.licensing-divider {
  width: 1px;
  height: 60px;
  background: rgba(201,168,76,0.25);
  flex-shrink: 0;
}
.licensing-text {
  flex: 1;
  min-width: 200px;
}
.licensing-text strong {
  display: block;
  color: var(--white);
  font-size: 1rem;
  font-weight: 600;
  margin-bottom: 0.4rem;
  font-family: var(--font-sans);
}
.licensing-text p {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.6);
  margin: 0;
  line-height: 1.6;
}
@media (max-width: 640px) {
  .licensing-strip { padding: 1.5rem; gap: 1.25rem; }
  .licensing-divider { display: none; }
  .licensing-strip .btn { width: 100%; text-align: center; }
}

/* Scroll reveal */
.reveal {
  opacity: 0; transform: translateY(30px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.reveal.visible { opacity: 1; transform: translateY(0); }

/* =========================================
   COMPLIANCE FOOTER
   ========================================= */
.compliance-bar {
  background: #0A0F07;
  border-top: 1px solid rgba(201,168,76,0.12);
  padding: 2rem 1.5rem;
}
.compliance-bar .container {
  display: flex; flex-direction: column; gap: 1rem;
}
.compliance-ehl {
  display: flex; align-items: center; gap: 1.2rem;
  padding-bottom: 1.2rem;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.ehl-icon {
  width: 44px; height: 44px; flex-shrink: 0;
  background: var(--white);
  border-radius: 3px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
}
.ehl-text {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.45);
  line-height: 1.5;
}
.ehl-text strong { color: rgba(255,255,255,0.65); display: block; margin-bottom: 0.2rem; }
.compliance-licensing {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.38);
  line-height: 1.6;
}
.compliance-licensing a { color: rgba(201,168,76,0.6); text-decoration: underline; }
.compliance-licensing a:hover { color: var(--gold); }
.compliance-disclaimer {
  font-size: 0.73rem;
  color: rgba(255,255,255,0.28);
  line-height: 1.6;
}
.compliance-texas {
  font-size: 0.68rem;
  color: rgba(255,255,255,0.22);
  line-height: 1.5;
  text-transform: uppercase;
  letter-spacing: 0.02em;
}
.compliance-texas a { color: rgba(255,255,255,0.3); }

/* =========================================
   TEAM PHOTO STYLES
   ========================================= */
.team-card-photo {
  width: 130px; height: 130px;
  border-radius: 50%;
  border: 3px solid var(--gold);
  margin: 0 auto 1.2rem;
  overflow: hidden;
  object-fit: cover;
  object-position: top center;
}
.advisor-photo {
  width: 90px; height: 90px;
  border-radius: 50%;
  border: 2px solid var(--gold-dark);
  overflow: hidden;
  margin: 0 auto 1rem;
  object-fit: cover;
  object-position: top center;
}

/* Google Fonts Load */
@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,700;1,400&family=Inter:wght@400;500;600;700&display=swap');