/* ============================================================
   Haider Mortgage LLC — global stylesheet
   Brand: Deep Navy #0D2038 + steel-blue gradient accent.
   Navy header + footer, white body. Manrope throughout.
   ============================================================ */

:root{
  --navy: #0D2038;
  --navy-2: #14304f;
  --bg: #e7eff7;          /* page background — soft blue-grey so white cards pop */
  --bg-soft: #dde8f4;     /* deeper tint for callouts / mission blocks */
  --bg-panel: #ffffff;
  --text: #17263b;
  --text-muted: #5c6b81;
  --line: #e0e7f1;
  --line-strong: #cdd8e8;
  --steel-1: #1E3F66;
  --steel-2: #2F5C93;
  --steel-3: #3E74B5;
  --steel-4: #5A8FCC;
  --steel-light: #6FA0D8;
  --accent: #2F5C93;
  --grad: linear-gradient(90deg, var(--steel-1) 0%, var(--steel-2) 35%, var(--steel-3) 66%, var(--steel-4) 100%);
  --grad-soft: linear-gradient(135deg, #6FA0D8 0%, #CFE4FB 100%);
  --sans: 'Manrope', system-ui, -apple-system, 'Segoe UI', Helvetica, Arial, sans-serif;
  --serif: 'Manrope', system-ui, -apple-system, 'Segoe UI', Helvetica, Arial, sans-serif;
  --shadow: 0 1px 2px rgba(13,32,56,0.04), 0 12px 30px rgba(13,32,56,0.06);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body{
  margin:0;
  background: var(--bg);
  color: var(--text);
  font-family: var(--sans);
  font-size: 17px;               /* body text — Manrope 400, 16–18px */
  font-weight: 400;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

a { color: inherit; text-decoration: none; }
img{ max-width: 100%; display: block; }

.wrap{
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 32px;
}

.skip-link{
  position: absolute;
  left: -999px; top: 0;
  z-index: 100;
  background: var(--navy);
  color: #fff;
  padding: 10px 16px;
  border-radius: 4px;
  font-size: 14px;
  font-weight: 600;
}
.skip-link:focus{ left: 12px; top: 12px; }

/* ---------- NAV ---------- */
header{
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(13,32,56,0.94);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
nav.wrap{
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 94px;
  gap: 20px;
}
.brand{ display: inline-flex; align-items: center; }
.brand img{ height: 66px; width: auto; }

.navlinks{
  display: flex;
  align-items: center;
  gap: 26px;
}
.navlinks a.navlink{
  font-family: var(--sans);
  font-size: 15px;
  font-weight: 500;                /* navigation — Manrope 500–600 */
  color: #b9c8dd;
  padding: 6px 0;
  position: relative;
  transition: color .2s ease;
}
.navlinks a.navlink:hover{ color: #fff; }
.navlinks a.navlink[aria-current="page"]{ color: #fff; font-weight: 600; }
.navlinks a.navlink[aria-current="page"]::after{
  content:"";
  position:absolute; left:0; right:0; bottom:-2px;
  height: 2px;
  background: var(--grad);
}
.navlinks .cta-btn{ display: none; }

.cta-btn{
  display: inline-block;
  font-family: var(--sans);
  font-size: 15px;                 /* buttons — Manrope 600, 15–16px */
  font-weight: 600;
  color: #fff;
  background: transparent;
  border: 1px solid rgba(255,255,255,0.32);
  padding: 11px 22px;
  border-radius: 4px;
  cursor: pointer;
  transition: border-color .2s ease, background .2s ease, color .2s ease;
}
.cta-btn:hover{ border-color: #fff; }
.cta-btn.solid{
  background: var(--grad);
  border: none;
  color: #0a1a2e;
  font-weight: 700;
}
.cta-btn.solid:hover{ filter: brightness(1.05); }

/* Mobile menu toggle */
.nav-toggle{
  display: none;
  background: none;
  border: 1px solid rgba(255,255,255,0.32);
  border-radius: 4px;
  width: 44px; height: 40px;
  cursor: pointer;
  padding: 0;
  position: relative;
}
.nav-toggle span,
.nav-toggle span::before,
.nav-toggle span::after{
  content:"";
  position: absolute;
  left: 50%; top: 50%;
  width: 18px; height: 2px;
  background: #fff;
  transform: translate(-50%,-50%);
  transition: transform .2s ease, opacity .2s ease;
}
.nav-toggle span::before{ transform: translate(-50%,-8px); }
.nav-toggle span::after{ transform: translate(-50%,6px); }
.nav-toggle[aria-expanded="true"] span{ background: transparent; }
.nav-toggle[aria-expanded="true"] span::before{ transform: translate(-50%,-50%) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span::after{ transform: translate(-50%,-50%) rotate(-45deg); }

/* ---------- SECTIONS / TYPE ---------- */
main{ min-height: 60vh; }
section{ padding: 92px 0; }
section.tight{ padding: 66px 0; }
section.soft{ background: #ffffff; }        /* white bands alternate against the tinted page */

h1,h2,h3{ font-family: var(--sans); font-weight: 700; margin: 0; color: var(--navy); letter-spacing: -0.015em; }

.eyebrow{
  font-family: var(--sans);
  font-size: 13px;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--accent);
  font-weight: 600;
  margin-bottom: 16px;
}
.eyebrow-line{
  width: 46px; height: 3px;
  background: var(--grad);
  border-radius: 2px;
  margin-bottom: 22px;
}

.page-head{ padding-top: 66px; padding-bottom: 6px; }
.page-head h1{ font-size: 42px; line-height: 1.15; }
.page-head p{ color: var(--text-muted); font-size: 18px; max-width: 640px; margin-top: 16px; }

.link-inline{
  display: inline-block;
  font-size: 15px;
  color: var(--accent);
  font-weight: 600;
  border-bottom: 1px solid var(--line-strong);
  padding-bottom: 2px;
  transition: color .2s ease, border-color .2s ease;
}
.link-inline:hover{ color: var(--navy); border-color: var(--accent); }

/* ---------- HERO (light) ---------- */
.hero-band{
  background: linear-gradient(165deg, #eef5fc 0%, #dde9f6 55%, #cfe0f2 100%);
  color: var(--text);
  position: relative;
  overflow: hidden;
  border-bottom: 1px solid var(--line);
}
.hero-band::before{
  content:"";
  position: absolute; inset: 0; z-index: 0;
  background:
    radial-gradient(780px 600px at 90% -14%, rgba(90,143,204,0.34), transparent 58%),
    radial-gradient(640px 560px at -12% 78%, rgba(47,92,147,0.22), transparent 60%),
    radial-gradient(460px 420px at 52% 32%, rgba(159,196,239,0.22), transparent 62%);
  pointer-events: none;
}
.hero-band::after{
  content:"";
  position: absolute; inset: 0; z-index: 0;
  background-image: radial-gradient(rgba(47,92,147,0.10) 1.3px, transparent 1.5px);
  background-size: 26px 26px;
  -webkit-mask-image: radial-gradient(140% 100% at 15% 18%, #000 0%, transparent 60%);
  mask-image: radial-gradient(140% 100% at 15% 18%, #000 0%, transparent 60%);
  opacity: .7;
  pointer-events: none;
}
.hero-band > *{ position: relative; z-index: 1; }
.hero{
  position: relative;
  display: grid;
  grid-template-columns: 1.12fr 0.88fr;
  gap: 56px;
  align-items: center;
  padding: 86px 0 78px;
}
.hero h1{
  color: var(--navy);
  font-size: 56px;                 /* main hero heading — Manrope 700, 52–64px */
  font-weight: 700;
  line-height: 1.12;
  max-width: 640px;
}
.hero p.lede{
  margin-top: 24px;
  font-size: 18px;
  color: var(--text-muted);
  max-width: 500px;
}
.hero .actions{
  margin-top: 36px;
  display: flex;
  gap: 16px;
  align-items: center;
  flex-wrap: wrap;
}
.hero .cta-btn{ color: var(--navy); background: #fff; border-color: var(--line-strong); }
.hero .cta-btn:hover{ border-color: var(--accent); }
.hero .cta-btn.solid{
  background: var(--navy);
  border: 1px solid var(--navy);
  color: #fff;
  font-weight: 700;
}
.hero .cta-btn.solid:hover{ background: var(--navy-2); border-color: var(--navy-2); }
.hero .hero-note{ margin-top: 22px; font-size: 13.5px; color: var(--text-muted); }

/* hero card / calculator sits on the right */
.hero-card{
  background: var(--navy);
  border: 1px solid var(--navy);
  border-radius: 14px;
  padding: 26px 24px;
  box-shadow: 0 20px 44px rgba(13,32,56,0.16);
}
.hero-card h2{ color:#fff; font-family: var(--sans); font-size: 16px; font-weight: 700; letter-spacing:.2px; }
.hero-card .sub{ color:#93a7c2; font-size: 13px; margin: 4px 0 18px; }

/* trust / bank strip */
.trust-strip{
  border-top: 1px solid var(--line);
  position: relative;
  padding: 24px 0;
  display: flex;
  flex-wrap: wrap;
  gap: 10px 30px;
  color: var(--text-muted);
  font-size: 14px;
  font-weight: 500;
}
.trust-strip b{ color: var(--navy); font-weight: 700; }
.trust-strip .tdot{
  display:inline-block; width:5px; height:5px; border-radius:50%;
  background: var(--accent); margin-right: 10px; transform: translateY(-2px);
}

/* ---------- STATS ---------- */
.stats{
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.stat{ text-align: left; }
.stat .num{ font-family: var(--sans); font-weight: 700; font-size: 42px; color: var(--navy); line-height: 1; letter-spacing: -0.02em; }  /* numbers — Manrope 700, 32–48px */
.stat .num .u{ color: var(--accent); }
.stat .lbl{ color: var(--text-muted); font-size: 14px; margin-top: 10px; }

/* ---------- INTRO 2-COL ---------- */
.two-col{
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}
.two-col h2{ font-size: 36px; font-weight: 700; line-height: 1.22; }
.two-col p{ color: var(--text-muted); font-size: 16.5px; }
.two-col p + p{ margin-top: 14px; }

/* ---------- SERVICE CARDS ---------- */
.section-head{ max-width: 640px; margin-bottom: 40px; }
.section-head h2{ font-size: 40px; font-weight: 700; line-height: 1.15; }
.section-head p{ color: var(--text-muted); font-size: 17px; margin-top: 14px; }

.card-grid{
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.card{
  background: var(--bg-panel);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 30px 26px;
  box-shadow: var(--shadow);
  transition: border-color .2s ease, transform .2s ease, box-shadow .2s ease;
}
.card:hover{ border-color: var(--steel-4); transform: translateY(-3px); box-shadow: 0 18px 40px rgba(13,32,56,0.10); }
.card .ic{
  width: 44px; height: 44px; border-radius: 10px;
  background: var(--grad-soft);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
}
.card .ic svg{ width: 22px; height: 22px; stroke: var(--navy); fill: none; stroke-width: 1.7; }
.card h3{
  font-family: var(--sans);
  font-weight: 600;                /* subheadings — Manrope 600 */
  font-size: 18px;
  color: var(--navy);
  margin-bottom: 8px;
}
.card p{ color: var(--text-muted); font-size: 15px; margin: 0; }

/* ---------- PROCESS STEPS ---------- */
.steps{
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px;
  counter-reset: step;
}
.step{
  padding: 26px 22px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: #fff;
}
.step .n{
  font-family: var(--sans);
  font-weight: 700;
  font-size: 19px;
  color: #fff;
  width: 42px; height: 42px; border-radius: 50%;
  background: var(--navy);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
}
.step h3{ font-family: var(--sans); font-weight: 600; font-size: 17px; margin-bottom: 6px; }
.step p{ color: var(--text-muted); font-size: 14.5px; margin: 0; }

/* ---------- SERVICES LIST (services page) ---------- */
.services-list{
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 22px;
  padding-bottom: 20px;
}
.service-row{
  background: #fff;
  border: 1px solid var(--line);
  border-top: 3px solid var(--steel-3);
  border-radius: 14px;
  padding: 30px 30px;
  box-shadow: var(--shadow);
  transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.service-row:hover{ transform: translateY(-3px); box-shadow: 0 18px 40px rgba(13,32,56,0.10); }
.service-row h2{ font-size: 21px; font-weight: 700; margin-bottom: 12px; }
.service-row .body{ color: var(--text-muted); font-size: 15.5px; }
.service-row .body p{ margin: 0; }
.service-row .body ul{ margin: 14px 0 0; padding-left: 18px; }
.service-row .body li{ margin: 6px 0; }

/* ---------- ABOUT ---------- */
.about-grid{
  display: grid;
  grid-template-columns: 1.25fr 1fr;
  gap: 64px;
  padding-top: 10px;
}
.about-grid p{ color: var(--text-muted); font-size: 17px; }
.about-grid p + p{ margin-top: 16px; }
.mission{
  margin-top: 26px;
  padding: 22px 24px;
  background: #fff;
  border: 1px solid var(--line);
  border-left: 3px solid var(--steel-3);
  border-radius: 8px;
  box-shadow: var(--shadow);
}
.mission h3{ font-size: 18px; margin-bottom: 8px; }
.mission p{ color: var(--text-muted); font-size: 16px; margin: 0; }
.value-list{ display: flex; flex-direction: column; gap: 12px; }
.value-item{
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 18px 20px 18px 22px;
  box-shadow: var(--shadow);
  position: relative;
}
.value-item h3{ font-family: var(--sans); font-weight: 600; font-size: 16.5px; color: var(--navy); margin-bottom: 6px; padding-left: 20px; }
.value-item h3::before{
  content:""; position:absolute; left: 22px; top: 24px;
  width: 9px; height: 9px; border-radius: 50%;
  background: var(--grad);
}
.value-item p{ color: var(--text-muted); font-size: 14.5px; margin: 0; padding-left: 20px; }

/* ---------- TESTIMONIALS ---------- */
.testi-grid{
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.testi{
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 28px 26px;
  box-shadow: var(--shadow);
  display: flex;
  flex-direction: column;
}
.testi .stars{ color: var(--steel-3); font-size: 15px; letter-spacing: 2px; margin-bottom: 14px; }
.testi p{ color: var(--text); font-size: 15.5px; margin: 0 0 18px; }
.testi .who{ margin-top: auto; }
.testi .who .nm{ font-weight: 700; color: var(--navy); font-size: 14.5px; }
.testi .who .rl{ color: var(--text-muted); font-size: 13px; }

/* ---------- CTA BAND (contained navy card) ---------- */
.cta-band{ background: transparent; padding: 70px 0; }
.cta-band .wrap{
  position: relative;
  overflow: hidden;
  background: var(--navy);
  border-radius: 20px;
  padding: 48px 52px;
  box-shadow: 0 24px 50px rgba(13,32,56,0.16);
  display: flex; align-items: center; justify-content: space-between;
  gap: 30px; flex-wrap: wrap;
}
.cta-band .wrap::before{
  content:""; position:absolute; inset:0; pointer-events:none;
  background:
    radial-gradient(560px 300px at 90% 10%, rgba(90,143,204,0.30), transparent 60%),
    radial-gradient(460px 320px at 2% 110%, rgba(47,92,147,0.34), transparent 60%);
}
.cta-band .wrap > *{ position: relative; z-index: 1; }
.cta-band h2{ color: #fff; font-size: 32px; font-weight: 700; max-width: 620px; }
.cta-band p{ color: #a9bdd6; margin-top: 10px; max-width: 540px; }
.cta-band .cta-btn.solid{ background: var(--grad); border: none; color:#0a1a2e; font-weight: 700; }
.cta-band .cta-btn.solid:hover{ filter: brightness(1.05); }

/* ---------- CALCULATOR ---------- */
.calc .field{ margin-bottom: 14px; }
.calc label{ display:block; font-size: 12.5px; color:#9db2cc; margin-bottom: 6px; letter-spacing:.3px; }
.calc input[type="number"]{
  width: 100%;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.16);
  color:#fff;
  font-family: var(--sans);
  font-size: 15px;
  padding: 11px 12px;
  border-radius: 8px;
  outline: none;
}
.calc input[type="range"]{ width:100%; accent-color: var(--steel-light); }
.calc input:focus{ border-color: var(--steel-light); }
.calc .row2{ display:grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.calc-out{
  margin-top: 6px;
  background: var(--grad);
  border-radius: 10px;
  padding: 16px 18px;
  color:#0a1a2e;
}
.calc-out .emi{ font-family: var(--sans); font-weight: 700; font-size: 34px; line-height: 1; letter-spacing: -0.02em; }  /* rates/numbers — Manrope 700 */
.calc-out .emi small{ font-family: var(--sans); font-size: 13px; font-weight: 700; }
.calc-out .meta{ font-size: 12.5px; margin-top: 8px; color:#0a1a2e; opacity: .85; }
.calc-note{ font-size: 11.5px; color:#8fa4bf; margin-top: 12px; }

/* ---------- CONTACT ---------- */
.contact-grid{
  display: grid;
  grid-template-columns: 1fr 1.05fr;
  gap: 64px;
  padding-top: 10px;
}
.contact-info p{ color: var(--text-muted); font-size: 16.5px; max-width: 400px; }
.contact-detail{ margin-top: 26px; }
.contact-detail .label{ font-size: 12.5px; letter-spacing: .5px; text-transform: uppercase; color: var(--accent); font-weight: 600; margin-bottom: 4px; }
.contact-detail .value{ font-size: 16px; color: var(--navy); }
.contact-detail .value a:hover{ color: var(--accent); }

.form-card{
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 30px 28px;
  box-shadow: var(--shadow);
}
form{ display: flex; flex-direction: column; gap: 16px; }
.field-row{ display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field label{ display:block; font-size: 13px; color: var(--text-muted); margin-bottom: 7px; }
.field input, .field select, .field textarea{
  width: 100%;
  background: #fff;
  border: 1px solid var(--line-strong);
  border-radius: 8px;
  color: var(--navy);
  font-family: var(--sans);
  font-size: 15px;
  padding: 12px 12px;
  outline: none;
  transition: border-color .2s ease, box-shadow .2s ease;
}
.field input:focus, .field select:focus, .field textarea:focus{ border-color: var(--accent); box-shadow: 0 0 0 3px rgba(47,92,147,0.12); }
.field textarea{ resize: vertical; min-height: 110px; }
.hp-field{ position: absolute; left: -5000px; width: 1px; height: 1px; overflow: hidden; }
.submit-btn{
  align-self: flex-start;
  margin-top: 6px;
  font-family: var(--sans);
  font-size: 15px;
  font-weight: 700;
  color: #fff;
  background: var(--navy);
  border: none;
  padding: 14px 30px;
  border-radius: 8px;
  cursor: pointer;
  transition: background .2s ease;
}
.submit-btn:hover{ background: var(--navy-2); }
.submit-btn:disabled{ opacity: .6; cursor: default; }
.form-note{ font-size: 13.5px; color: var(--text-muted); margin-top: 10px; display:none; }
.form-note.show{ display:block; }
.form-note.error{ color: #c0392b; }
.form-consent{ font-size: 12px; color: var(--text-muted); }

/* ---------- FOOTER ---------- */
footer{
  background: var(--navy);
  color: #b8c7dc;
  padding: 60px 0 34px;
}
footer .foot-top{
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
footer .brand img{ height: 72px; }
footer .foot-about{ font-size: 14px; color: #93a7c2; max-width: 320px; margin-top: 18px; }
footer .foot-addr{ font-size: 13.5px; color: #7f95b2; max-width: 320px; margin-top: 12px; }
footer .foot-col h4{ font-family: var(--sans); font-size: 13px; letter-spacing: 1px; text-transform: uppercase; color: #fff; margin: 0 0 16px; }
footer .foot-col a{ display: block; font-size: 14.5px; color: #b8c7dc; padding: 5px 0; }
footer .foot-col a:hover{ color: #fff; }
footer .foot-bottom{
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px;
  padding-top: 26px;
  font-size: 13px; color: #8299b5;
}
footer .foot-bottom a:hover{ color:#fff; }
footer .foot-social{ display: flex; gap: 12px; align-items: center; }
footer .foot-social a{
  width: 38px; height: 38px;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.2);
  display: inline-flex; align-items: center; justify-content: center;
  color: #b8c7dc;
  transition: background .2s ease, color .2s ease, border-color .2s ease, transform .2s ease;
}
footer .foot-social a:hover{ background: var(--grad); border-color: transparent; color: #0a1a2e; transform: translateY(-2px); }
footer .foot-social svg{ width: 17px; height: 17px; fill: currentColor; }

/* ---------- FAQ ---------- */
.faq-list{ max-width: 820px; }
.faq-item{
  border: 1px solid var(--line);
  border-radius: 10px;
  background: #fff;
  margin-bottom: 14px;
  box-shadow: var(--shadow);
  overflow: hidden;
}
.faq-item summary{
  list-style: none;
  cursor: pointer;
  padding: 22px 24px;
  font-weight: 600;
  font-size: 17px;
  color: var(--navy);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
}
.faq-item summary::-webkit-details-marker{ display:none; }
.faq-item summary::after{
  content: "+";
  font-size: 24px;
  font-weight: 400;
  color: var(--accent);
  line-height: 1;
  flex-shrink: 0;
  transition: transform .2s ease;
}
.faq-item[open] summary::after{ content: "–"; }
.faq-item .faq-body{ padding: 0 24px 22px; color: var(--text-muted); font-size: 16px; }
.faq-item .faq-body p{ margin: 0 0 10px; }
.faq-item .faq-body p:last-child{ margin-bottom: 0; }
.faq-note{ margin-top: 28px; color: var(--text-muted); font-size: 16px; }

/* ---------- BLOG ---------- */
.blog-grid{
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.post-card{
  display: flex;
  flex-direction: column;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: border-color .2s ease, transform .2s ease, box-shadow .2s ease;
}
.post-card:hover{ border-color: var(--steel-4); transform: translateY(-3px); box-shadow: 0 18px 40px rgba(13,32,56,0.10); }
.post-card .thumb{
  height: 8px;
  background: var(--grad);
}
.post-card .pc-body{ padding: 26px 24px; display: flex; flex-direction: column; height: 100%; }
.post-card .meta{ font-size: 12.5px; letter-spacing: .4px; text-transform: uppercase; color: var(--accent); font-weight: 600; margin-bottom: 12px; }
.post-card h3{ font-size: 20px; font-weight: 700; line-height: 1.25; margin-bottom: 10px; }
.post-card p{ color: var(--text-muted); font-size: 15px; margin: 0 0 18px; }
.post-card .rd{ margin-top: auto; font-size: 14.5px; font-weight: 600; color: var(--accent); }
.post-card:hover .rd{ color: var(--navy); }

/* ---------- ARTICLE (single post) ---------- */
.article{
  max-width: 820px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 48px 56px;
  box-shadow: var(--shadow);
}
.article .meta{ font-size: 13.5px; color: var(--text-muted); margin-bottom: 10px; }
.article h1{ font-size: 40px; font-weight: 700; line-height: 1.15; }
.article .lead{ font-size: 19px; color: var(--text-muted); margin-top: 18px; }
.article .body{ margin-top: 30px; }
.article .body h2{ font-size: 26px; font-weight: 700; margin: 36px 0 12px; }
.article .body h3{ font-size: 19px; font-weight: 600; margin: 26px 0 8px; }
.article .body p{ color: #33445c; font-size: 17px; margin: 0 0 16px; }
.article .body ul{ color: #33445c; font-size: 17px; margin: 0 0 16px; padding-left: 20px; }
.article .body li{ margin: 8px 0; }
.article .body strong{ color: var(--navy); }
.article .callout{
  margin: 26px 0;
  padding: 20px 22px;
  background: var(--bg-soft);
  border-left: 3px solid var(--steel-3);
  border-radius: 8px;
  font-size: 16px;
  color: var(--text-muted);
}
.article .back{ display:inline-block; margin-bottom: 22px; font-size: 14.5px; font-weight: 600; color: var(--accent); }
.article .back:hover{ color: var(--navy); }

/* ---------- CHAT ASSISTANT ---------- */
.hm-chat-launcher{
  position: fixed; right: 22px; bottom: 22px; z-index: 90;
  display: inline-flex; align-items: center; gap: 10px;
  background: var(--navy); color: #fff;
  border: none; border-radius: 40px;
  padding: 13px 20px 13px 16px;
  font-family: var(--sans); font-size: 15px; font-weight: 600;
  cursor: pointer;
  box-shadow: 0 10px 30px rgba(13,32,56,0.28);
  transition: transform .18s ease, box-shadow .18s ease;
}
.hm-chat-launcher:hover{ transform: translateY(-2px); box-shadow: 0 16px 36px rgba(13,32,56,0.34); }
.hm-chat-launcher .hm-ic{
  width: 26px; height: 26px; border-radius: 50%;
  background: var(--grad); display: inline-flex; align-items: center; justify-content: center;
  font-size: 14px;
}
.hm-chat-launcher.open .hm-lbl{ display: none; }
.hm-chat-launcher.open{ padding: 14px; }

.hm-chat-panel[hidden]{ display: none; }
.hm-chat-panel{
  position: fixed; right: 22px; bottom: 22px; z-index: 95;
  width: 370px; max-width: calc(100vw - 32px);
  height: 560px; max-height: calc(100vh - 40px);
  display: flex; flex-direction: column;
  background: #fff; border: 1px solid var(--line);
  border-radius: 16px; overflow: hidden;
  box-shadow: 0 24px 60px rgba(13,32,56,0.30);
}
.hm-chat-head{
  background: var(--navy); color: #fff;
  padding: 16px 18px; display: flex; align-items: center; justify-content: space-between;
  position: relative;
}
.hm-chat-head::before{
  content:""; position:absolute; inset:0; pointer-events:none;
  background: radial-gradient(300px 120px at 90% -20%, rgba(90,143,204,0.5), transparent 60%);
}
.hm-chat-title{ font-weight: 700; font-size: 16px; position: relative; }
.hm-chat-sub{ font-size: 12px; color: #a9bdd6; margin-top: 2px; position: relative; }
.hm-chat-close{ background: none; border: none; color: #cdd8e8; font-size: 26px; line-height: 1; cursor: pointer; position: relative; padding: 0 4px; }
.hm-chat-close:hover{ color: #fff; }

.hm-chat-log{ flex: 1; overflow-y: auto; padding: 18px; background: var(--bg-soft); display: flex; flex-direction: column; gap: 12px; }
.hm-msg{ max-width: 84%; font-size: 14.5px; line-height: 1.5; padding: 11px 14px; border-radius: 14px; }
.hm-msg a{ color: var(--accent); font-weight: 600; text-decoration: underline; }
.hm-bot{ align-self: flex-start; background: #fff; border: 1px solid var(--line); color: var(--text); border-bottom-left-radius: 5px; }
.hm-user{ align-self: flex-end; background: var(--navy); color: #fff; border-bottom-right-radius: 5px; }
.hm-user a{ color: #cfe4fb; }
.hm-typing{ display: inline-flex; gap: 5px; align-items: center; }
.hm-typing span{ width: 7px; height: 7px; border-radius: 50%; background: var(--steel-3); opacity: .5; animation: hmBlink 1.2s infinite; }
.hm-typing span:nth-child(2){ animation-delay: .2s; }
.hm-typing span:nth-child(3){ animation-delay: .4s; }
@keyframes hmBlink{ 0%,60%,100%{ opacity:.25; transform: translateY(0);} 30%{ opacity:.9; transform: translateY(-3px);} }

.hm-chat-chips{ display: flex; flex-wrap: wrap; gap: 7px; padding: 10px 14px 0; background: #fff; }
.hm-chip{
  font-family: var(--sans); font-size: 12.5px; color: var(--navy);
  background: var(--bg-soft); border: 1px solid var(--line-strong);
  border-radius: 20px; padding: 7px 12px; cursor: pointer; transition: background .15s ease, border-color .15s ease;
}
.hm-chip:hover{ background: #fff; border-color: var(--accent); }

.hm-chat-form{ display: flex; gap: 8px; padding: 12px 14px 8px; background: #fff; }
.hm-chat-form input{
  flex: 1; border: 1px solid var(--line-strong); border-radius: 22px;
  padding: 11px 15px; font-family: var(--sans); font-size: 14.5px; color: var(--navy); outline: none;
}
.hm-chat-form input:focus{ border-color: var(--accent); box-shadow: 0 0 0 3px rgba(47,92,147,0.12); }
.hm-chat-send{
  width: 42px; height: 42px; flex-shrink: 0; border: none; border-radius: 50%;
  background: var(--navy); color: #fff; font-size: 15px; cursor: pointer; transition: background .15s ease;
}
.hm-chat-send:hover{ background: var(--navy-2); }
.hm-chat-disc{ font-size: 11px; color: var(--text-muted); padding: 4px 16px 12px; background: #fff; }
.hm-chat-disc a{ color: var(--accent); }

@media (max-width: 460px){
  .hm-chat-panel{ right: 0; bottom: 0; width: 100vw; max-width: 100vw; height: 100vh; max-height: 100vh; border-radius: 0; }
  .hm-chat-launcher{ right: 16px; bottom: 16px; }
}

/* ---------- BANK PARTNERS STRIP ---------- */
.banks-band{ padding: 40px 0 52px; }
.banks-title{ text-align: center; font-size: 13px; letter-spacing: 2px; text-transform: uppercase; color: var(--text-muted); font-weight: 600; margin: 0 0 26px; }
.bank-strip{ display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; }
.bank-tile{
  background: #fff; border: 1px solid var(--line); border-radius: 10px;
  padding: 12px 20px; font-weight: 600; font-size: 14.5px; color: var(--navy);
  box-shadow: var(--shadow); white-space: nowrap;
}

/* ---------- BROKER VS BANK ---------- */
.vs-grid{ display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.vs-col{ border-radius: 14px; padding: 28px 28px; }
.vs-us{ background: var(--navy); color: #fff; box-shadow: 0 20px 44px rgba(13,32,56,0.16); }
.vs-them{ background: #fff; border: 1px solid var(--line); color: var(--text); box-shadow: var(--shadow); }
.vs-head{ font-family: var(--sans); font-weight: 700; font-size: 17px; margin-bottom: 18px; }
.vs-us .vs-head{ color: #fff; }
.vs-them .vs-head{ color: var(--text-muted); }
.vs-col ul{ list-style: none; margin: 0; padding: 0; }
.vs-col li{ position: relative; padding: 9px 0 9px 30px; font-size: 15px; border-top: 1px solid rgba(255,255,255,0.10); }
.vs-them li{ border-top: 1px solid var(--line); }
.vs-col li:first-child{ border-top: none; }
.vs-us li::before{ content: "✓"; position: absolute; left: 0; top: 8px; color: #0a1a2e; background: var(--grad); width: 20px; height: 20px; border-radius: 50%; font-size: 12px; font-weight: 700; display: flex; align-items: center; justify-content: center; }
.vs-them li::before{ content: "✕"; position: absolute; left: 0; top: 9px; color: #b23b3b; font-weight: 700; font-size: 14px; }

/* ---------- GOOGLE / REVIEW BADGE ---------- */
.rating-badge{ display: inline-flex; align-items: center; gap: 10px; background: #fff; border: 1px solid var(--line); border-radius: 30px; padding: 8px 16px; box-shadow: var(--shadow); font-size: 14px; color: var(--navy); font-weight: 600; }
.rating-badge .stars{ color: #f5a623; letter-spacing: 1px; }
.rating-badge .gmark{ font-weight: 700; }
.rating-badge .gmark b:nth-child(1){ color:#4285F4; } .rating-badge .gmark b:nth-child(2){ color:#EA4335; } .rating-badge .gmark b:nth-child(3){ color:#FBBC05; } .rating-badge .gmark b:nth-child(4){ color:#4285F4; } .rating-badge .gmark b:nth-child(5){ color:#34A853; } .rating-badge .gmark b:nth-child(6){ color:#EA4335; }
.section-head .rating-badge{ margin-top: 18px; }

/* ---------- WHATSAPP FLOAT ---------- */
.hm-wa-float{
  position: fixed; right: 22px; bottom: 84px; z-index: 90;
  width: 54px; height: 54px; border-radius: 50%;
  background: #25D366; display: flex; align-items: center; justify-content: center;
  box-shadow: 0 10px 26px rgba(0,0,0,0.24);
  transition: transform .18s ease;
}
.hm-wa-float:hover{ transform: translateY(-2px) scale(1.03); }
.hm-wa-float svg{ width: 30px; height: 30px; fill: #fff; }

/* ---------- CHAT LEAD CAPTURE ---------- */
.hm-lead{ background:#fff; border:1px solid var(--line); border-radius:14px; padding:14px; display:flex; flex-direction:column; gap:8px; }
.hm-lead input{ border:1px solid var(--line-strong); border-radius:8px; padding:10px 12px; font-family:var(--sans); font-size:14px; color:var(--navy); outline:none; }
.hm-lead input:focus{ border-color:var(--accent); }
.hm-lead button{ background:var(--navy); color:#fff; border:none; border-radius:8px; padding:11px; font-family:var(--sans); font-size:14px; font-weight:700; cursor:pointer; }
.hm-lead button:hover{ background:var(--navy-2); }

@media (max-width: 900px){
  .vs-grid{ grid-template-columns: 1fr; }
}

/* ---------- FOCUS ---------- */
button:focus-visible, a:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible{
  outline: 2px solid var(--steel-3);
  outline-offset: 2px;
}

@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior: auto; }
}

/* ---------- RESPONSIVE ---------- */
@media (max-width: 900px){
  .hero{ grid-template-columns: 1fr; gap: 40px; }
  .hero h1{ font-size: 38px; }
  .stats{ grid-template-columns: 1fr 1fr; gap: 28px 24px; }
  .two-col{ grid-template-columns: 1fr; gap: 24px; }
  .card-grid{ grid-template-columns: 1fr; }
  .blog-grid{ grid-template-columns: 1fr; }
  .testi-grid{ grid-template-columns: 1fr; }
  .steps{ grid-template-columns: 1fr 1fr; }
  .services-list{ grid-template-columns: 1fr; }
  .about-grid{ grid-template-columns: 1fr; gap: 36px; }
  .contact-grid{ grid-template-columns: 1fr; gap: 36px; }
  footer .foot-top{ grid-template-columns: 1fr 1fr; gap: 30px; }
}
@media (max-width: 560px){
  .field-row{ grid-template-columns: 1fr; }
  .steps{ grid-template-columns: 1fr; }
  footer .foot-top{ grid-template-columns: 1fr; }
  .page-head h1{ font-size: 34px; }
  .hero h1{ font-size: 32px; }
}

@media (max-width: 860px){
  .nav-toggle{ display: block; }
  .nav-cta-desktop{ display: none; }
  .wrap{ padding: 0 22px; }
  .navlinks{
    position: fixed;
    top: 94px; left: 0; right: 0;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background: var(--navy);
    border-bottom: 1px solid rgba(255,255,255,0.12);
    box-shadow: 0 20px 30px rgba(13,32,56,0.25);
    padding: 8px 22px 20px;
    transform: translateY(-140%);
    transition: transform .25s ease;
    z-index: 40;
  }
  .navlinks.open{ transform: translateY(0); }
  .navlinks a.navlink{
    padding: 16px 0;
    font-size: 17px;
    border-bottom: 1px solid rgba(255,255,255,0.12);
  }
  .navlinks a.navlink[aria-current="page"]::after{ display: none; }
  .navlinks .cta-btn{ display: block; margin-top: 16px; text-align: center; }
}