/* =========================================================
   MyLoanHelper.com — Shared Stylesheet
   Earnest Noblett | NMLS# 1660690 | Powered by NEXA Lending
   ========================================================= */

:root {
  --primary: #1B3A6B;
  --primary-dark: #122a50;
  --primary-light: #2a5196;
  --accent: #E8A923;
  --accent-dark: #c98d12;
  --text: #2D2D2D;
  --muted: #5f6b7a;
  --light-bg: #F5F7FA;
  --white: #FFFFFF;
  --border: #e3e8ef;
  --success: #1f8a4c;
  --radius: 8px;
  --radius-btn: 50px;
  --shadow-sm: 0 2px 8px rgba(27, 58, 107, 0.08);
  --shadow: 0 8px 24px rgba(27, 58, 107, 0.12);
  --shadow-lg: 0 18px 48px rgba(27, 58, 107, 0.18);
  --container: 1200px;
  --transition: all 0.25s ease;
}

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

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Arial, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: var(--primary-light); text-decoration: none; transition: var(--transition); }
a:hover { color: var(--accent-dark); }

h1, h2, h3, h4, h5 { color: var(--primary); line-height: 1.2; margin: 0 0 0.6em; font-weight: 800; letter-spacing: -0.02em; }
h1 { font-size: 3rem; }
h2 { font-size: 2.25rem; }
h3 { font-size: 1.35rem; font-weight: 700; }
h4 { font-size: 1.1rem; font-weight: 700; }
p { margin: 0 0 1rem; }
ul { padding-left: 1.2rem; }

.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: 860px; }
.section { padding: 88px 0; }
.section-sm { padding: 56px 0; }
.bg-light { background: var(--light-bg); }
.bg-navy { background: var(--primary); color: #dfe7f3; }
.bg-navy h2, .bg-navy h3, .bg-navy h4 { color: var(--white); }
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.mt-2 { margin-top: 2rem; }
.mb-0 { margin-bottom: 0; }

.section-header { text-align: center; max-width: 760px; margin: 0 auto 52px; }
.section-header p { color: var(--muted); font-size: 1.1rem; }
.bg-navy .section-header p { color: #c4d1e6; }
.eyebrow {
  display: inline-block; font-size: 0.8rem; font-weight: 700; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--accent-dark); margin-bottom: 12px;
}
.bg-navy .eyebrow, .hero .eyebrow { color: var(--accent); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 15px 32px; border-radius: var(--radius-btn); font-weight: 700; font-size: 1rem;
  border: 2px solid transparent; cursor: pointer; transition: var(--transition);
  text-align: center; line-height: 1.2; min-height: 50px;
}
.btn-accent { background: var(--accent); color: var(--primary-dark); box-shadow: 0 6px 18px rgba(232, 169, 35, 0.35); }
.btn-accent:hover { background: var(--accent-dark); color: var(--white); transform: translateY(-2px); }
.btn-primary { background: var(--primary); color: var(--white); }
.btn-primary:hover { background: var(--primary-dark); color: var(--white); transform: translateY(-2px); }
.btn-outline { background: transparent; color: var(--primary); border-color: var(--primary); }
.btn-outline:hover { background: var(--primary); color: var(--white); }
.btn-outline-light { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.7); }
.btn-outline-light:hover { background: var(--white); color: var(--primary); }
.btn-lg { padding: 18px 40px; font-size: 1.1rem; }
.btn-sm { padding: 10px 22px; font-size: 0.9rem; min-height: 42px; }
.btn-group { display: flex; flex-wrap: wrap; gap: 14px; }
.btn-group.center { justify-content: center; }

/* ---------- Announcement Bar ---------- */
.announcement-bar {
  background: var(--accent); color: var(--primary-dark); text-align: center;
  padding: 10px 16px; font-weight: 600; font-size: 0.95rem;
}
.announcement-bar a { color: var(--primary-dark); text-decoration: underline; font-weight: 800; }

/* ---------- Top Bar ---------- */
.top-bar { background: var(--primary-dark); color: #c4d1e6; font-size: 0.85rem; padding: 7px 0; }
.top-bar .container { display: flex; justify-content: space-between; align-items: center; gap: 16px; }
.top-bar a { color: var(--white); font-weight: 600; }
.top-bar a:hover { color: var(--accent); }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 1000; background: var(--white);
  box-shadow: var(--shadow-sm); transition: var(--transition);
}
.site-header.scrolled { box-shadow: var(--shadow); }
.nav-wrap { display: flex; align-items: center; justify-content: space-between; height: 78px; gap: 20px; }
.logo { display: flex; flex-direction: column; line-height: 1.1; color: var(--primary); }
.logo:hover { color: var(--primary); }
.logo-main { font-size: 1.45rem; font-weight: 800; letter-spacing: -0.03em; }
.logo-main span { color: var(--accent); }
.logo-sub { font-size: 0.72rem; font-weight: 600; color: var(--muted); letter-spacing: 0.06em; text-transform: uppercase; margin-top: 3px; display: flex; align-items: center; gap: 5px; }
.header-nexa-logo { height: 14px; width: auto; vertical-align: middle; display: inline-block; }

.main-nav { display: flex; align-items: center; gap: 4px; }
.main-nav > ul { list-style: none; margin: 0; padding: 0; display: flex; align-items: center; gap: 2px; }
.main-nav li { position: relative; }
.main-nav > ul > li > a, .dropdown-toggle, .nav-phone, .nav-actions .btn, .logo { white-space: nowrap; }
.main-nav > ul > li > a, .dropdown-toggle {
  display: flex; align-items: center; gap: 6px; padding: 10px 14px; font-weight: 600;
  color: var(--text); border-radius: 6px; font-size: 0.97rem; background: none; border: 0;
  font-family: inherit; cursor: pointer;
}
.main-nav > ul > li > a:hover, .dropdown-toggle:hover, .main-nav a.active { color: var(--primary-light); background: var(--light-bg); }
.caret { font-size: 0.7rem; transition: transform 0.2s; }

.dropdown-menu {
  position: absolute; top: calc(100% + 6px); left: 0; min-width: 250px; background: var(--white);
  border-radius: var(--radius); box-shadow: var(--shadow-lg); padding: 10px; list-style: none; margin: 0;
  opacity: 0; visibility: hidden; transform: translateY(8px); transition: var(--transition); border-top: 3px solid var(--accent);
}
.has-dropdown:hover .dropdown-menu, .has-dropdown.open .dropdown-menu { opacity: 1; visibility: visible; transform: translateY(0); }
.has-dropdown:hover .caret { transform: rotate(180deg); }
.dropdown-menu a { display: block; padding: 10px 14px; border-radius: 6px; color: var(--text); font-weight: 500; font-size: 0.95rem; }
.dropdown-menu a:hover { background: var(--light-bg); color: var(--primary); }

.nav-actions { display: flex; align-items: center; gap: 14px; }
.nav-phone { display: flex; flex-direction: column; line-height: 1.15; text-align: right; color: var(--primary); }
.nav-phone small { font-size: 0.72rem; color: var(--muted); font-weight: 600; text-transform: uppercase; letter-spacing: 0.05em; }
.nav-phone strong { font-size: 1.08rem; font-weight: 800; }
.nav-phone:hover { color: var(--accent-dark); }

.hamburger { display: none; position: relative; z-index: 1002; background: none; border: 0; width: 46px; height: 46px; cursor: pointer; padding: 10px; border-radius: 8px; }
.hamburger span { display: block; height: 3px; background: var(--primary); border-radius: 2px; margin: 5px 0; transition: var(--transition); }
.hamburger.active span:nth-child(1) { transform: translateY(8px) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: translateY(-8px) rotate(-45deg); }

.mobile-nav-extra { display: none; }
.nav-overlay { display: none; }
@media (max-width: 960px) { .nav-overlay { display: block; } }

/* Minimal landing header */
.landing-header .nav-wrap { height: 72px; }

/* ---------- Hero ---------- */
.hero {
  position: relative; color: var(--white); padding: 96px 0 104px;
  background: linear-gradient(135deg, rgba(18,42,80,0.96) 0%, rgba(27,58,107,0.92) 55%, rgba(42,81,150,0.88) 100%),
              radial-gradient(circle at 80% 20%, rgba(232,169,35,0.25), transparent 50%);
  overflow: hidden;
}
.hero::after {
  content: ""; position: absolute; right: -120px; bottom: -160px; width: 520px; height: 520px;
  border-radius: 50%; background: rgba(232,169,35,0.10); pointer-events: none;
}
.hero h1 { color: var(--white); font-size: 3.3rem; }
.hero h1 .highlight { color: var(--accent); }
.hero .lead { font-size: 1.2rem; color: #d6e0ef; max-width: 640px; margin-bottom: 30px; }
.hero-grid { display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 56px; align-items: center; position: relative; z-index: 1; }
.hero-simple { padding: 80px 0; text-align: center; }
.hero-simple .lead { margin-left: auto; margin-right: auto; }
.hero-simple .btn-group { justify-content: center; }
.hero-checks { list-style: none; padding: 0; margin: 26px 0 0; display: flex; flex-wrap: wrap; gap: 10px 24px; color: #d6e0ef; font-size: 0.95rem; }
.hero-checks li::before { content: "✓"; color: var(--accent); font-weight: 800; margin-right: 8px; }
.hero-card {
  background: var(--white); color: var(--text); border-radius: 14px; padding: 32px;
  box-shadow: var(--shadow-lg); border-top: 5px solid var(--accent);
}
.hero-card h3 { margin-bottom: 6px; }
.hero-card p { color: var(--muted); font-size: 0.95rem; }
.breadcrumb { font-size: 0.88rem; color: #b9c7dd; margin-bottom: 18px; }
.breadcrumb a { color: var(--accent); }

/* ---------- Trust Bar ---------- */
.trust-bar { background: var(--white); border-bottom: 1px solid var(--border); padding: 26px 0; }
.trust-items { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.trust-item { display: flex; align-items: center; gap: 14px; justify-content: center; }
.trust-icon {
  width: 50px; height: 50px; border-radius: 50%; background: var(--light-bg); display: grid; place-items: center;
  font-size: 1.4rem; flex-shrink: 0;
}
.trust-item strong { display: block; color: var(--primary); font-size: 1.05rem; line-height: 1.2; }
.trust-item span { font-size: 0.85rem; color: var(--muted); }

/* ---------- Cards / Grids ---------- */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.split-wide { grid-template-columns: 1.2fr 0.8fr; align-items: start; }

.card {
  background: var(--white); border-radius: var(--radius); padding: 32px; box-shadow: var(--shadow-sm);
  border: 1px solid var(--border); transition: var(--transition); height: 100%;
}
.card:hover { box-shadow: var(--shadow); transform: translateY(-4px); }
.card p { color: var(--muted); }
.card-icon {
  width: 62px; height: 62px; border-radius: 14px; display: grid; place-items: center; font-size: 1.8rem;
  background: linear-gradient(135deg, rgba(27,58,107,0.08), rgba(232,169,35,0.18)); margin-bottom: 20px;
}
.card-link { font-weight: 700; color: var(--primary); display: inline-flex; align-items: center; gap: 6px; }
.card-link:hover { color: var(--accent-dark); gap: 10px; }

.goal-card { text-align: center; display: flex; flex-direction: column; align-items: center; border-top: 4px solid var(--accent); }
.goal-card .card-icon { width: 80px; height: 80px; font-size: 2.3rem; border-radius: 50%; }
.goal-card .btn { margin-top: auto; }
.goal-card p { flex-grow: 1; }

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; counter-reset: step; position: relative; }
.step { text-align: center; position: relative; padding: 0 12px; }
.step-num {
  width: 84px; height: 84px; margin: 0 auto 22px; border-radius: 50%; background: var(--primary); color: var(--white);
  display: grid; place-items: center; font-size: 2rem; position: relative; box-shadow: var(--shadow);
}
.step-num::after {
  counter-increment: step; content: counter(step); position: absolute; top: -4px; right: -4px; width: 30px; height: 30px;
  background: var(--accent); color: var(--primary-dark); border-radius: 50%; font-size: 0.9rem; font-weight: 800;
  display: grid; place-items: center; border: 3px solid var(--white);
}
.step p { color: var(--muted); }
.bg-navy .step p { color: #c4d1e6; }
.bg-navy .step-num { background: var(--white); color: var(--primary); }

/* ---------- Check lists ---------- */
.check-list { list-style: none; padding: 0; margin: 0 0 1.5rem; }
.check-list li { position: relative; padding-left: 34px; margin-bottom: 14px; }
.check-list li::before {
  content: "✓"; position: absolute; left: 0; top: 1px; width: 22px; height: 22px; border-radius: 50%;
  background: var(--accent); color: var(--primary-dark); font-weight: 800; font-size: 0.78rem; display: grid; place-items: center;
}
.check-list li strong { color: var(--primary); }
.bg-navy .check-list li strong { color: var(--white); }

.x-list { list-style: none; padding: 0; }
.x-list li { position: relative; padding-left: 30px; margin-bottom: 12px; }
.x-list li::before { content: "•"; position: absolute; left: 8px; color: var(--accent-dark); font-weight: 900; font-size: 1.3rem; line-height: 1.1; }

/* ---------- Feature / benefit boxes ---------- */
.benefit { display: flex; gap: 18px; align-items: flex-start; }
.benefit-icon { font-size: 1.6rem; width: 52px; height: 52px; flex-shrink: 0; border-radius: 12px; background: var(--light-bg); display: grid; place-items: center; }
.bg-navy .benefit-icon { background: rgba(255,255,255,0.1); }
.benefit h4 { margin-bottom: 4px; }
.benefit p { color: var(--muted); margin: 0; font-size: 0.97rem; }
.bg-navy .benefit p { color: #c4d1e6; }

.stat-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; text-align: center; }
.stat strong { display: block; font-size: 2.4rem; font-weight: 800; color: var(--accent); line-height: 1.1; }
.stat span { color: #c4d1e6; font-size: 0.95rem; }

/* ---------- Tables ---------- */
.table-wrap { overflow-x: auto; border-radius: var(--radius); box-shadow: var(--shadow-sm); border: 1px solid var(--border); }
.compare-table { width: 100%; border-collapse: collapse; background: var(--white); min-width: 560px; }
.compare-table th, .compare-table td { padding: 15px 18px; text-align: left; border-bottom: 1px solid var(--border); font-size: 0.97rem; }
.compare-table th { background: var(--primary); color: var(--white); font-weight: 700; }
.compare-table tr:nth-child(even) td { background: var(--light-bg); }
.compare-table td:first-child { font-weight: 600; color: var(--primary); }

/* ---------- Lead form / GHL placeholder ---------- */
.form-section { position: relative; }
.form-box {
  background: var(--white); border-radius: 14px; padding: 40px; box-shadow: var(--shadow-lg);
  border-top: 5px solid var(--accent); max-width: 760px; margin: 0 auto;
}
.form-box h2, .form-box h3 { text-align: center; }
.form-box > p { text-align: center; color: var(--muted); }
.form-secure { text-align: center; font-size: 0.85rem; color: var(--muted); margin: 18px 0 0; }
.ghl-form-placeholder {
  min-height: 320px; border: 2px dashed #b8c5d9; border-radius: var(--radius); background: var(--light-bg);
  display: flex; flex-direction: column; align-items: center; justify-content: center; padding: 28px; text-align: center; margin-top: 20px;
}
.hero-card .ghl-form-placeholder { min-height: 260px; }
.ghl-placeholder-notice { color: var(--primary); font-size: 1rem; }
.ghl-placeholder-notice + .ghl-fallback { margin-top: 16px; font-size: 0.9rem; color: var(--muted); }

/* ---------- Loan program cards ---------- */
.loan-card { display: flex; flex-direction: column; }
.loan-card p { flex-grow: 1; }
.loan-card .tag {
  display: inline-block; align-self: flex-start; font-size: 0.75rem; font-weight: 700; padding: 4px 10px; border-radius: 30px;
  background: rgba(232,169,35,0.18); color: #8a5d00; margin-bottom: 12px; text-transform: uppercase; letter-spacing: 0.05em;
}

/* ---------- Meet Earnest ---------- */
.lo-photo {
  aspect-ratio: 4/5; border-radius: 14px; background: linear-gradient(160deg, #dfe6f1, #c3cfe2);
  display: flex; flex-direction: column; align-items: center; justify-content: center; color: var(--primary);
  box-shadow: var(--shadow-lg); position: relative; overflow: hidden; text-align: center; padding: 20px;
}
.lo-photo .silhouette { font-size: 6rem; opacity: 0.55; }
.lo-photo small { font-weight: 600; color: var(--muted); }
.lo-badge {
  position: absolute; bottom: 20px; left: 20px; right: 20px; background: var(--white); border-radius: var(--radius);
  padding: 14px 18px; box-shadow: var(--shadow); text-align: left;
}
.lo-badge strong { display: block; color: var(--primary); }
.lo-badge span { font-size: 0.85rem; color: var(--muted); }
.credentials { display: flex; flex-wrap: wrap; gap: 10px; margin: 20px 0 28px; }
.credential {
  background: var(--light-bg); border: 1px solid var(--border); border-radius: 30px; padding: 8px 16px;
  font-size: 0.88rem; font-weight: 600; color: var(--primary);
}

/* ---------- Testimonials ---------- */
.testimonial {
  background: var(--white); border-radius: var(--radius); padding: 32px; box-shadow: var(--shadow-sm);
  border: 1px solid var(--border); position: relative; height: 100%; display: flex; flex-direction: column;
}
.testimonial::before { content: "\201C"; position: absolute; top: 6px; right: 24px; font-size: 5rem; color: rgba(232,169,35,0.25); font-family: Georgia, serif; line-height: 1; }
.stars { color: var(--accent); font-size: 1.1rem; letter-spacing: 2px; margin-bottom: 14px; }
.testimonial blockquote { margin: 0 0 20px; font-style: italic; color: var(--text); flex-grow: 1; }
.testimonial-author { display: flex; align-items: center; gap: 14px; }
.avatar {
  width: 48px; height: 48px; border-radius: 50%; background: var(--primary); color: var(--white);
  display: grid; place-items: center; font-weight: 700; flex-shrink: 0;
}
.testimonial-author strong { display: block; color: var(--primary); }
.testimonial-author span { font-size: 0.85rem; color: var(--muted); }
.testimonial-featured { max-width: 820px; margin: 0 auto; text-align: center; padding: 44px; }
.testimonial-featured .testimonial-author { justify-content: center; text-align: left; }
.testimonial-note { text-align: center; font-size: 0.8rem; color: var(--muted); margin-top: 24px; }

/* ---------- Service areas ---------- */
.areas-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.area {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 20px; text-align: center;
  font-weight: 700; color: var(--primary); transition: var(--transition);
}
.area:hover { border-color: var(--accent); box-shadow: var(--shadow-sm); }
.area span { display: block; font-size: 0.82rem; font-weight: 500; color: var(--muted); margin-top: 4px; }

/* ---------- FAQ ---------- */
.faq-list { max-width: 860px; margin: 0 auto; }
.faq-item { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); margin-bottom: 14px; overflow: hidden; }
.faq-question {
  width: 100%; text-align: left; background: none; border: 0; padding: 22px 60px 22px 24px; font-size: 1.05rem;
  font-weight: 700; color: var(--primary); cursor: pointer; position: relative; font-family: inherit; min-height: 56px;
}
.faq-question::after {
  content: "+"; position: absolute; right: 22px; top: 50%; transform: translateY(-50%); width: 30px; height: 30px;
  border-radius: 50%; background: var(--light-bg); display: grid; place-items: center; font-size: 1.3rem; transition: var(--transition);
}
.faq-item.open .faq-question::after { content: "−"; background: var(--accent); color: var(--primary-dark); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.35s ease; }
.faq-answer-inner { padding: 0 24px 22px; color: var(--muted); }
.faq-item.open .faq-answer { max-height: 900px; }

/* ---------- CTA banner ---------- */
.cta-banner {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary-light)); color: var(--white); padding: 80px 0; position: relative; overflow: hidden;
}
.cta-banner h2 { color: var(--white); }
.cta-banner p { color: #d6e0ef; font-size: 1.1rem; }
.cta-strip { background: var(--accent); padding: 34px 0; }
.cta-strip .container { display: flex; justify-content: space-between; align-items: center; gap: 24px; flex-wrap: wrap; }
.cta-strip h3 { margin: 0; color: var(--primary-dark); font-size: 1.5rem; }
.cta-strip p { margin: 4px 0 0; color: var(--primary-dark); }

/* ---------- Blog ---------- */
.blog-card { padding: 0; overflow: hidden; display: flex; flex-direction: column; }
.blog-thumb {
  height: 180px; display: grid; place-items: center; font-size: 3.4rem;
  background: linear-gradient(135deg, var(--primary), var(--primary-light)); color: var(--white);
}
.blog-body { padding: 26px; display: flex; flex-direction: column; flex-grow: 1; }
.blog-body p { flex-grow: 1; }
.blog-meta { font-size: 0.8rem; color: var(--accent-dark); font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 8px; }
.article { background: var(--white); border-radius: var(--radius); padding: 40px; border: 1px solid var(--border); margin-bottom: 32px; box-shadow: var(--shadow-sm); scroll-margin-top: 100px; }
.article h2 { font-size: 1.8rem; }
.article h3 { margin-top: 1.6rem; }

/* ---------- Content / Legal ---------- */
.content h2 { margin-top: 2.2rem; font-size: 1.7rem; }
.content h3 { margin-top: 1.6rem; }
.content p, .content li { color: #444; }
.notice-box { background: #fff8e8; border-left: 5px solid var(--accent); border-radius: var(--radius); padding: 20px 24px; margin: 24px 0; }
.notice-box p:last-child { margin: 0; }
.info-box { background: var(--light-bg); border-left: 5px solid var(--primary); border-radius: var(--radius); padding: 20px 24px; margin: 24px 0; }
.toc { background: var(--light-bg); border-radius: var(--radius); padding: 24px 28px; margin-bottom: 32px; }
.toc ol { margin: 0; padding-left: 1.2rem; }
.toc li { margin-bottom: 6px; }

/* ---------- Contact ---------- */
.contact-method { display: flex; gap: 18px; align-items: flex-start; padding: 22px; background: var(--white); border-radius: var(--radius); border: 1px solid var(--border); margin-bottom: 16px; }
.contact-method .benefit-icon { background: var(--light-bg); }
.contact-method a { font-weight: 700; font-size: 1.1rem; }
.hours-table { width: 100%; border-collapse: collapse; }
.hours-table td { padding: 10px 0; border-bottom: 1px solid var(--border); }
.hours-table td:last-child { text-align: right; font-weight: 600; color: var(--primary); }

/* ---------- Thank you ---------- */
.thank-you-icon { width: 110px; height: 110px; border-radius: 50%; background: var(--success); color: var(--white); font-size: 3.4rem; display: grid; place-items: center; margin: 0 auto 26px; box-shadow: 0 10px 30px rgba(31,138,76,0.35); }

/* ---------- Footer ---------- */
.site-footer { background: #0e2140; color: #a9b8cf; padding: 72px 0 0; font-size: 0.93rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; padding-bottom: 48px; }
.site-footer h4 { color: var(--white); font-size: 1rem; margin-bottom: 18px; text-transform: uppercase; letter-spacing: 0.06em; }
.site-footer a { color: #c9d5e6; }
.site-footer a:hover { color: var(--accent); }
.footer-brand .logo-main { color: var(--white); font-size: 1.5rem; font-weight: 800; }
.footer-brand .nexa { color: var(--accent); font-weight: 700; margin: 6px 0 14px; display: block; }
.footer-nexa-logo { max-width: 180px; height: auto; }
.ehl-logo { max-width: 100px; height: auto; margin-top: 14px; }
.nmls-portal-link { display: inline-flex; align-items: center; gap: 6px; background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.2); border-radius: 6px; padding: 8px 14px; font-size: 0.88rem; color: #c9d5e6; font-weight: 600; transition: var(--transition); }
.nmls-portal-link:hover { background: rgba(255,255,255,0.14); color: var(--accent); }
.footer-links { list-style: none; padding: 0; margin: 0; }
.footer-links li { margin-bottom: 10px; }
.footer-contact p { margin-bottom: 8px; }
.ehl-badge {
  display: inline-flex; align-items: center; gap: 10px; border: 2px solid #c9d5e6; border-radius: 6px; padding: 8px 12px;
  color: var(--white); font-weight: 800; font-size: 0.82rem; letter-spacing: 0.04em; text-transform: uppercase; margin-top: 12px;
}
.ehl-badge .ehl-house { font-size: 1.5rem; line-height: 1; }
.footer-compliance { border-top: 1px solid rgba(255,255,255,0.1); padding: 30px 0; font-size: 0.82rem; line-height: 1.7; color: #8fa1bc; }
.footer-compliance p { margin-bottom: 10px; }
.footer-compliance strong { color: #c9d5e6; }
.footer-bottom { background: #091831; padding: 20px 0; font-size: 0.82rem; color: #8fa1bc; }
.footer-bottom .container { display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap; }
.footer-bottom a { color: #c9d5e6; margin-left: 16px; }

/* ---------- Mobile sticky CTA ---------- */
.mobile-cta-bar { display: none; }

/* ---------- Back to top ---------- */
.back-to-top {
  position: fixed; right: 22px; bottom: 22px; width: 48px; height: 48px; border-radius: 50%; background: var(--primary);
  color: var(--white); border: 0; font-size: 1.2rem; cursor: pointer; box-shadow: var(--shadow); opacity: 0; visibility: hidden;
  transition: var(--transition); z-index: 900;
}
.back-to-top.visible { opacity: 1; visibility: visible; }
.back-to-top:hover { background: var(--accent); color: var(--primary-dark); }

/* ---------- Payment calculator ---------- */
.calc { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; background: var(--white); border-radius: 14px; box-shadow: var(--shadow-lg); padding: 36px; }
.calc label { display: block; font-weight: 600; color: var(--primary); margin-bottom: 6px; font-size: 0.93rem; }
.calc input, .calc select {
  width: 100%; padding: 13px 14px; border: 1px solid var(--border); border-radius: var(--radius); font-size: 1rem;
  font-family: inherit; margin-bottom: 16px; background: var(--light-bg); min-height: 48px;
}
.calc input:focus, .calc select:focus { outline: 2px solid var(--accent); border-color: var(--accent); }
.calc-result { background: var(--primary); color: var(--white); border-radius: var(--radius); padding: 30px; display: flex; flex-direction: column; justify-content: center; }
.calc-result .amount { font-size: 3rem; font-weight: 800; color: var(--accent); line-height: 1.1; margin: 6px 0 14px; }
.calc-result small { color: #b9c7dd; font-size: 0.8rem; line-height: 1.5; }
.calc-breakdown { list-style: none; padding: 0; margin: 0 0 18px; }
.calc-breakdown li { display: flex; justify-content: space-between; padding: 6px 0; border-bottom: 1px solid rgba(255,255,255,0.12); font-size: 0.95rem; }

/* ---------- Animations ---------- */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity 0.6s ease, transform 0.6s ease; }
.reveal.in-view { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; } html { scroll-behavior: auto; } }

.skip-link { position: absolute; left: -9999px; top: 0; background: var(--accent); color: var(--primary-dark); padding: 10px 16px; z-index: 2000; font-weight: 700; }
.skip-link:focus { left: 10px; top: 10px; }
:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; }