/* ==========================================================================
   Jay | Associate Director, Mortgage IP - Professional Portfolio Stylesheet
   Theme: Modern Australian Lending & Wealth Advisory
   ========================================================================== */

:root {
  --primary-navy: #0b2545;
  --primary-navy-dark: #07192f;
  --secondary-blue: #134074;
  --accent-blue: #0066cc;
  --accent-blue-hover: #0052a3;
  --accent-cyan: #00b4d8;
  --accent-gold: #c69214;
  --bg-light: #f8fafc;
  --bg-card: #ffffff;
  --bg-subtle: #eef4f8;
  --text-main: #1e293b;
  --text-muted: #64748b;
  --text-light: #94a3b8;
  --border-color: #e2e8f0;
  --border-focus: #0066cc;
  --shadow-sm: 0 1px 3px rgba(11, 37, 69, 0.06), 0 1px 2px rgba(11, 37, 69, 0.04);
  --shadow-md: 0 4px 12px rgba(11, 37, 69, 0.08), 0 2px 4px rgba(11, 37, 69, 0.04);
  --shadow-lg: 0 12px 24px -4px rgba(11, 37, 69, 0.12), 0 6px 12px -4px rgba(11, 37, 69, 0.06);
  --shadow-xl: 0 20px 35px -8px rgba(11, 37, 69, 0.18), 0 10px 18px -6px rgba(11, 37, 69, 0.08);
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 18px;
  --radius-full: 9999px;
  --transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
  --max-width: 1240px;
}

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

html {
  scroll-behavior: smooth;
  font-family: 'Lato', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Oxygen, Ubuntu, Cantarell, sans-serif;
  color: var(--text-main);
  background-color: var(--bg-light);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

body {
  overflow-x: hidden;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: inherit;
  text-decoration: none;
  transition: var(--transition);
}

button, input, select, textarea {
  font: inherit;
}

.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 1.5rem;
}

/* ==========================================================================
   Header & Navigation
   ========================================================================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.98);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border-color);
  transition: var(--transition);
}

.site-header.scrolled {
  box-shadow: var(--shadow-md);
}

.nav-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 82px;
}

/* Brand Group */
.brand-group {
  display: flex;
  align-items: center;
  gap: 1.15rem;
  text-decoration: none;
}

.brand-logo-text {
  display: flex;
  flex-direction: column;
}

.brand-tagline,
.brand-tagline-top {
  font-size: 0.62rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--secondary-blue);
  font-weight: 800;
  margin-bottom: 4px;
  line-height: 1;
}

.brand-logo-title {
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--primary-navy);
  letter-spacing: -0.02em;
  display: flex;
  align-items: center;
  gap: 0.35rem;
  line-height: 1;
}

.brand-logo-title .ip-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  border: 1.8px solid var(--secondary-blue);
  color: var(--secondary-blue);
  font-size: 0.72rem;
  font-weight: 900;
  letter-spacing: 0.02em;
  position: relative;
  top: -1px;
}

.brand-divider {
  width: 1.5px;
  height: 38px;
  background-color: var(--border-color);
}

.brand-person {
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.person-name {
  font-size: 1.25rem;
  font-weight: 900;
  color: var(--primary-navy);
  line-height: 1.1;
  letter-spacing: 0.02em;
}

.person-title {
  font-size: 0.76rem;
  color: var(--text-muted);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-top: 1px;
}

/* Nav Links */
.nav-links {
  display: flex;
  align-items: center;
  list-style: none;
  gap: 1.85rem;
}

.nav-links a {
  font-weight: 700;
  font-size: 0.94rem;
  color: var(--text-main);
  position: relative;
  padding: 0.35rem 0;
}

.nav-links a:hover {
  color: var(--accent-blue);
}

.nav-links a::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0%;
  height: 2px;
  background-color: var(--accent-blue);
  transition: var(--transition);
}

.nav-links a:hover::after {
  width: 100%;
}

/* Nav Actions */
.nav-actions {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.phone-quicklink {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-weight: 800;
  font-size: 0.92rem;
  color: var(--primary-navy);
  padding: 0.55rem 0.95rem;
  border-radius: var(--radius-sm);
  background: var(--bg-subtle);
  border: 1.5px solid var(--border-color);
}

.phone-quicklink:hover {
  background: #e2ecf5;
  color: var(--accent-blue);
  border-color: rgba(0, 102, 204, 0.3);
}

.pulse-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background-color: #10b981;
  box-shadow: 0 0 0 0 rgba(16, 185, 129, 0.7);
  animation: pulse 2s infinite;
}

@keyframes pulse {
  0% { transform: scale(0.95); box-shadow: 0 0 0 0 rgba(16, 185, 129, 0.7); }
  70% { transform: scale(1); box-shadow: 0 0 0 8px rgba(16, 185, 129, 0); }
  100% { transform: scale(0.95); box-shadow: 0 0 0 0 rgba(16, 185, 129, 0); }
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-weight: 700;
  font-size: 0.95rem;
  padding: 0.75rem 1.5rem;
  border-radius: var(--radius-md);
  cursor: pointer;
  border: none;
  transition: var(--transition);
  text-align: center;
}

.btn-primary {
  background-color: var(--accent-blue);
  color: #ffffff;
  box-shadow: 0 4px 14px rgba(0, 102, 204, 0.3);
}

.btn-primary:hover {
  background-color: var(--accent-blue-hover);
  box-shadow: 0 6px 18px rgba(0, 102, 204, 0.4);
  transform: translateY(-2px);
}

.btn-navy {
  background-color: var(--primary-navy);
  color: #ffffff;
  box-shadow: 0 4px 14px rgba(11, 37, 69, 0.25);
}

.btn-navy:hover {
  background-color: var(--secondary-blue);
  transform: translateY(-2px);
}

.btn-outline {
  background: transparent;
  color: var(--primary-navy);
  border: 1.5px solid var(--border-color);
}

.btn-outline:hover {
  border-color: var(--accent-blue);
  color: var(--accent-blue);
  background: #ffffff;
}

/* Hide mobile elements completely on desktop */
.mobile-toggle {
  display: none;
  background: transparent;
  border: none;
  cursor: pointer;
  padding: 0.5rem;
  color: var(--primary-navy);
}

.mobile-nav-menu {
  display: none !important;
}

/* ==========================================================================
   Hero Section
   ========================================================================== */
.hero {
  position: relative;
  padding: 4.5rem 0 5rem;
  background: linear-gradient(135deg, #ffffff 0%, #f1f6fa 50%, #e7f0f7 100%);
  overflow: hidden;
  border-bottom: 1px solid var(--border-color);
}

.hero-bg-shapes {
  position: absolute;
  inset: 0;
  overflow: hidden;
  pointer-events: none;
}

.hero-circle-1 {
  position: absolute;
  top: -100px;
  right: -50px;
  width: 500px;
  height: 500px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(0, 102, 204, 0.08) 0%, rgba(255, 255, 255, 0) 70%);
}

.hero-circle-2 {
  position: absolute;
  bottom: -150px;
  left: -100px;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(11, 37, 69, 0.05) 0%, rgba(255, 255, 255, 0) 70%);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 3.5rem;
  align-items: center;
  position: relative;
  z-index: 2;
}

.hero-badge-wrap {
  margin-bottom: 1.25rem;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  padding: 0.45rem 1rem;
  background: rgba(19, 64, 116, 0.08);
  border: 1px solid rgba(19, 64, 116, 0.15);
  border-radius: var(--radius-full);
  color: var(--secondary-blue);
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.hero-badge svg {
  color: var(--accent-blue);
}

.hero-title {
  font-size: 3.2rem;
  line-height: 1.15;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 1.25rem;
  letter-spacing: -0.025em;
}

.hero-title .highlight {
  color: var(--accent-blue);
  position: relative;
  display: inline-block;
}

.hero-subtitle {
  font-size: 1.18rem;
  line-height: 1.7;
  color: var(--text-muted);
  margin-bottom: 2rem;
  max-width: 580px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 2.5rem;
}

.hero-trust-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
  padding-top: 1.75rem;
  border-top: 1px solid rgba(11, 37, 69, 0.1);
}

.trust-item {
  display: flex;
  flex-direction: column;
}

.trust-label {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--text-muted);
  font-weight: 700;
}

.trust-val {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--primary-navy);
}

/* Hero Visual / Jay's Photo Card */
.hero-visual {
  position: relative;
  display: flex;
  justify-content: center;
}

.photo-card-wrapper {
  position: relative;
  width: 100%;
  max-width: 420px;
}

.photo-card {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: var(--bg-card);
  box-shadow: var(--shadow-xl);
  border: 4px solid #ffffff;
  aspect-ratio: 4 / 5;
}

.photo-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 20%;
  transition: transform 0.5s ease;
}

.photo-card:hover img {
  transform: scale(1.03);
}

.floating-pill {
  position: absolute;
  background: #ffffff;
  padding: 0.85rem 1.2rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border-color);
  display: flex;
  align-items: center;
  gap: 0.85rem;
  z-index: 10;
  backdrop-filter: blur(12px);
  animation: floatSlow 4s ease-in-out infinite alternate;
}

.pill-top {
  top: 25px;
  left: -25px;
}

.pill-bottom {
  bottom: 25px;
  right: -20px;
  animation-delay: 2s;
}

@keyframes floatSlow {
  0% { transform: translateY(0px); }
  100% { transform: translateY(-8px); }
}

.pill-icon {
  width: 42px;
  height: 42px;
  border-radius: var(--radius-sm);
  background: var(--bg-subtle);
  color: var(--accent-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
}

.pill-text h4 {
  font-size: 0.95rem;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 0.1rem;
}

.pill-text p {
  font-size: 0.75rem;
  color: var(--text-muted);
  font-weight: 600;
}

/* ==========================================================================
   Credentials & Value Proposition Strip
   ========================================================================== */
.credentials-strip {
  background-color: var(--primary-navy);
  color: #ffffff;
  padding: 2.25rem 0;
  position: relative;
}

.credentials-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
}

.credential-item {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.credential-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  background: rgba(255, 255, 255, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent-cyan);
  flex-shrink: 0;
}

.credential-info h4 {
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 0.2rem;
}

.credential-info p {
  font-size: 0.82rem;
  color: var(--text-light);
}

/* ==========================================================================
   Section Common Styles
   ========================================================================== */
.section {
  padding: 5.5rem 0;
}

.section-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 3.5rem;
}

.section-tag {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--accent-blue);
  background: var(--bg-subtle);
  padding: 0.35rem 0.9rem;
  border-radius: var(--radius-full);
  margin-bottom: 0.85rem;
  border: 1px solid rgba(0, 102, 204, 0.15);
}

.section-title {
  font-size: 2.35rem;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 1rem;
  letter-spacing: -0.02em;
}

.section-desc {
  font-size: 1.1rem;
  color: var(--text-muted);
  line-height: 1.65;
}

/* ==========================================================================
   About Jay Section
   ========================================================================== */
.about-section {
  background: #ffffff;
}

.about-grid {
  display: grid;
  grid-template-columns: 0.95fr 1.05fr;
  gap: 4rem;
  align-items: center;
}

.about-visual {
  position: relative;
}

.about-business-card {
  background: #ffffff;
  border-radius: var(--radius-md);
  padding: 2.25rem;
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-lg);
  position: relative;
  overflow: hidden;
}

.about-business-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 6px;
  background: linear-gradient(90deg, var(--secondary-blue), var(--accent-blue));
}

.card-header-inner {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  margin-bottom: 1.5rem;
  padding-bottom: 1rem;
  border-bottom: 1px solid var(--border-color);
}

.card-name {
  font-size: 2.2rem;
  font-weight: 900;
  color: var(--primary-navy);
  line-height: 1;
  margin-bottom: 0.3rem;
  letter-spacing: 0.04em;
}

.card-role {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--text-muted);
}

.card-brand {
  text-align: right;
}

.card-brand-title {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--primary-navy);
}

.card-slogan {
  font-size: 0.65rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--accent-blue);
  font-weight: 700;
}

.card-details-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
  margin-bottom: 1.5rem;
}

.card-detail-item {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  font-size: 0.92rem;
  color: var(--text-main);
  font-weight: 600;
}

.card-detail-item svg {
  color: var(--accent-blue);
  flex-shrink: 0;
}

.card-badges-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  padding-top: 1rem;
  border-top: 1px dashed var(--border-color);
}

.card-reg-pill {
  font-size: 0.75rem;
  padding: 0.3rem 0.65rem;
  background: var(--bg-subtle);
  border-radius: var(--radius-sm);
  color: var(--secondary-blue);
  font-weight: 700;
}

.about-content h3 {
  font-size: 1.85rem;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 1.25rem;
  line-height: 1.3;
}

.about-content p {
  font-size: 1.05rem;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 1.25rem;
}

.about-features-list {
  list-style: none;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin: 1.75rem 0 2rem;
}

.about-feature-item {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--primary-navy);
}

.about-feature-item svg {
  color: #10b981;
  flex-shrink: 0;
}

/* ==========================================================================
   Services Grid
   ========================================================================== */
.services-section {
  background-color: var(--bg-light);
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
}

.service-card {
  background: var(--bg-card);
  border-radius: var(--radius-md);
  padding: 2.25rem;
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  display: flex;
  flex-direction: column;
  position: relative;
  overflow: hidden;
}

.service-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-xl);
  border-color: rgba(0, 102, 204, 0.3);
}

.service-icon-box {
  width: 54px;
  height: 54px;
  border-radius: var(--radius-md);
  background: var(--bg-subtle);
  color: var(--accent-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
  transition: var(--transition);
}

.service-card:hover .service-icon-box {
  background: var(--accent-blue);
  color: #ffffff;
}

.service-card h3 {
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 0.75rem;
}

.service-card p {
  font-size: 0.95rem;
  color: var(--text-muted);
  line-height: 1.6;
  margin-bottom: 1.5rem;
  flex-grow: 1;
}

.service-points {
  list-style: none;
  margin-bottom: 1.5rem;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.service-points li {
  font-size: 0.85rem;
  color: var(--text-main);
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-weight: 600;
}

.service-points li svg {
  color: var(--accent-blue);
  flex-shrink: 0;
}

.service-link {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--accent-blue);
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
}

.service-link:hover {
  color: var(--accent-blue-hover);
  gap: 0.6rem;
}

/* ==========================================================================
   Interactive Mortgage Repayment Calculator
   ========================================================================== */
.calculator-section {
  background: linear-gradient(180deg, #ffffff 0%, #f1f6fa 100%);
  border-top: 1px solid var(--border-color);
  border-bottom: 1px solid var(--border-color);
}

.calc-container {
  background: var(--bg-card);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-xl);
  overflow: hidden;
  display: grid;
  grid-template-columns: 1.25fr 0.95fr;
}

.calc-inputs {
  padding: 3rem;
}

.calc-group {
  margin-bottom: 2rem;
}

.calc-header-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 0.75rem;
}

.calc-label {
  font-weight: 700;
  font-size: 1rem;
  color: var(--primary-navy);
}

.calc-val-badge {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--accent-blue);
  background: var(--bg-subtle);
  padding: 0.3rem 0.8rem;
  border-radius: var(--radius-sm);
  border: 1px solid rgba(0, 102, 204, 0.15);
}

/* Custom Range Sliders */
input[type="range"] {
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: #e2e8f0;
  outline: none;
  -webkit-appearance: none;
  cursor: pointer;
}

input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--accent-blue);
  cursor: pointer;
  box-shadow: 0 2px 6px rgba(0, 102, 204, 0.4);
  border: 2px solid #ffffff;
  transition: transform 0.15s ease;
}

input[type="range"]::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}

.calc-minmax {
  display: flex;
  justify-content: space-between;
  margin-top: 0.4rem;
  font-size: 0.75rem;
  color: var(--text-light);
  font-weight: 600;
}

.calc-pill-selectors {
  display: flex;
  gap: 0.6rem;
}

.pill-opt {
  flex: 1;
  text-align: center;
  padding: 0.65rem 0.5rem;
  border: 1.5px solid var(--border-color);
  border-radius: var(--radius-sm);
  cursor: pointer;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--text-muted);
  transition: var(--transition);
  user-select: none;
}

.pill-opt.active {
  background-color: var(--primary-navy);
  color: #ffffff;
  border-color: var(--primary-navy);
  box-shadow: var(--shadow-sm);
}

/* Calculator Results Panel */
.calc-results {
  background: linear-gradient(145deg, var(--primary-navy) 0%, var(--secondary-blue) 100%);
  color: #ffffff;
  padding: 3rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.calc-results-header h3 {
  font-size: 1.4rem;
  font-weight: 800;
  margin-bottom: 0.4rem;
}

.calc-results-header p {
  font-size: 0.88rem;
  color: var(--text-light);
}

.repayment-hero-box {
  margin: 2rem 0;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  text-align: center;
}

.repayment-freq-label {
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--accent-cyan);
  font-weight: 800;
  margin-bottom: 0.35rem;
}

.repayment-amount {
  font-size: 3rem;
  font-weight: 900;
  line-height: 1;
  color: #ffffff;
  margin-bottom: 0.35rem;
}

.repayment-subtext {
  font-size: 0.82rem;
  color: var(--text-light);
}

.calc-breakdown-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
  margin-bottom: 2rem;
}

.breakdown-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.92rem;
  padding-bottom: 0.6rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.breakdown-row .label {
  color: var(--text-light);
}

.breakdown-row .val {
  font-weight: 700;
}

.calc-disclaimer {
  font-size: 0.72rem;
  color: rgba(255, 255, 255, 0.6);
  line-height: 1.5;
  margin-top: 1rem;
}

/* ==========================================================================
   4-Step Process: The Science of Lending
   ========================================================================== */
.process-section {
  background: #ffffff;
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  position: relative;
}

.process-step {
  background: var(--bg-light);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: 2.25rem 1.75rem;
  position: relative;
  transition: var(--transition);
}

.process-step:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--accent-blue);
  background: #ffffff;
}

.step-num {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--primary-navy);
  color: #ffffff;
  font-size: 1.15rem;
  font-weight: 900;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
  box-shadow: 0 4px 10px rgba(11, 37, 69, 0.2);
}

.process-step:hover .step-num {
  background: var(--accent-blue);
}

.process-step h4 {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 0.75rem;
}

.process-step p {
  font-size: 0.92rem;
  color: var(--text-muted);
  line-height: 1.6;
}

/* ==========================================================================
   Lenders Panel
   ========================================================================== */
.lenders-section {
  background: var(--bg-subtle);
  border-top: 1px solid var(--border-color);
}

.lenders-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 1.25rem;
  margin-top: 2rem;
}

.lender-badge {
  background: #ffffff;
  padding: 1.25rem 1rem;
  border-radius: var(--radius-sm);
  border: 1px solid var(--border-color);
  text-align: center;
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--primary-navy);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 64px;
}

.lender-badge:hover {
  border-color: var(--accent-blue);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
  color: var(--accent-blue);
}

/* ==========================================================================
   Testimonials
   ========================================================================== */
.testimonials-section {
  background: #ffffff;
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.testimonial-card {
  background: var(--bg-light);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  padding: 2.25rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: var(--shadow-sm);
  position: relative;
}

.stars {
  color: #f59e0b;
  font-size: 1.1rem;
  margin-bottom: 1rem;
}

.testimonial-card p {
  font-size: 0.98rem;
  color: var(--text-main);
  line-height: 1.7;
  font-style: italic;
  margin-bottom: 1.5rem;
}

.client-info {
  display: flex;
  align-items: center;
  gap: 0.85rem;
}

.client-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--secondary-blue);
  color: #ffffff;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
}

.client-meta h4 {
  font-size: 0.95rem;
  font-weight: 800;
  color: var(--primary-navy);
}

.client-meta span {
  font-size: 0.78rem;
  color: var(--text-muted);
}

/* ==========================================================================
   Contact & Consultation Booking Section
   ========================================================================== */
.contact-section {
  background: linear-gradient(135deg, #f8fafc 0%, #eef4f8 100%);
  border-top: 1px solid var(--border-color);
}

.contact-grid {
  display: grid;
  grid-template-columns: 0.95fr 1.05fr;
  gap: 3.5rem;
}

.contact-info h3 {
  font-size: 2.1rem;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 1rem;
  letter-spacing: -0.02em;
}

.contact-info p {
  font-size: 1.05rem;
  color: var(--text-muted);
  line-height: 1.65;
  margin-bottom: 2rem;
}

.direct-cards {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  margin-bottom: 2.5rem;
}

.direct-card {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  background: #ffffff;
  padding: 1.25rem 1.5rem;
  border-radius: var(--radius-md);
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.direct-card:hover {
  transform: translateX(4px);
  border-color: var(--accent-blue);
  box-shadow: var(--shadow-md);
}

.direct-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-sm);
  background: var(--bg-subtle);
  color: var(--accent-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.direct-text h4 {
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--text-muted);
  margin-bottom: 0.2rem;
  font-weight: 700;
}

.direct-text p, .direct-text a {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--primary-navy);
}

.direct-text a:hover {
  color: var(--accent-blue);
}

/* Contact Form */
.contact-form-card {
  background: #ffffff;
  border-radius: var(--radius-lg);
  padding: 3rem;
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-xl);
}

.contact-form-card h3 {
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 0.5rem;
}

.contact-form-card p {
  font-size: 0.95rem;
  color: var(--text-muted);
  margin-bottom: 2rem;
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
}

.form-group.full-width {
  grid-column: span 2;
}

.form-group label {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--primary-navy);
}

.form-control {
  width: 100%;
  padding: 0.85rem 1rem;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--border-color);
  background: #ffffff;
  color: var(--text-main);
  transition: var(--transition);
}

.form-control:focus {
  outline: none;
  border-color: var(--accent-blue);
  box-shadow: 0 0 0 3px rgba(0, 102, 204, 0.15);
}

textarea.form-control {
  resize: vertical;
  min-height: 110px;
}

.form-feedback {
  display: none;
  margin-top: 1rem;
  padding: 1rem;
  border-radius: var(--radius-sm);
  background: #ecfdf5;
  border: 1px solid #10b981;
  color: #065f46;
  font-size: 0.92rem;
  font-weight: 600;
}

/* ==========================================================================
   Footer & Legal Compliance
   ========================================================================== */
.site-footer {
  background-color: var(--primary-navy-dark);
  color: #ffffff;
  padding: 4.5rem 0 2.5rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 0.8fr 0.8fr 1fr;
  gap: 3rem;
  margin-bottom: 3.5rem;
}

.footer-brand h3 {
  font-size: 1.4rem;
  font-weight: 800;
  margin-bottom: 0.3rem;
  display: flex;
  align-items: center;
  gap: 0.4rem;
}

.footer-brand .tagline {
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--accent-cyan);
  font-weight: 700;
  margin-bottom: 1.25rem;
}

.footer-brand p {
  font-size: 0.92rem;
  color: var(--text-light);
  line-height: 1.65;
  max-width: 360px;
}

.footer-col h4 {
  font-size: 1.05rem;
  font-weight: 800;
  color: #ffffff;
  margin-bottom: 1.25rem;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.footer-links a {
  font-size: 0.92rem;
  color: var(--text-light);
}

.footer-links a:hover {
  color: #ffffff;
  transform: translateX(3px);
}

.footer-compliance-box {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  margin-bottom: 2.5rem;
}

.compliance-title {
  font-size: 0.85rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--accent-cyan);
  margin-bottom: 0.6rem;
}

.footer-compliance-box p {
  font-size: 0.82rem;
  color: var(--text-light);
  line-height: 1.6;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  font-size: 0.82rem;
  color: var(--text-light);
}

/* ==========================================================================
   Mobile Floating Action Bar
   ========================================================================== */
.mobile-sticky-bar {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: #ffffff;
  padding: 0.75rem 1rem;
  box-shadow: 0 -4px 15px rgba(0, 0, 0, 0.1);
  z-index: 999;
  border-top: 1px solid var(--border-color);
}

.mobile-sticky-actions {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
}

.mobile-sticky-actions .btn {
  padding: 0.65rem 1rem;
  font-size: 0.9rem;
}

/* ==========================================================================
   Responsive Breakpoints
   ========================================================================== */
@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    text-align: center;
    gap: 3rem;
  }

  .hero-subtitle {
    margin: 0 auto 2rem;
  }

  .hero-actions {
    justify-content: center;
  }

  .hero-trust-row {
    max-width: 500px;
    margin: 0 auto;
  }

  .credentials-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .about-grid {
    grid-template-columns: 1fr;
  }

  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .calc-container {
    grid-template-columns: 1fr;
  }

  .process-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .lenders-grid {
    grid-template-columns: repeat(4, 1fr);
  }

  .testimonials-grid {
    grid-template-columns: 1fr;
  }

  .contact-grid {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  /* Container & Spacing */
  .container {
    padding: 0 1.15rem;
  }

  .section {
    padding: 3.5rem 0;
  }

  .section-header {
    margin-bottom: 2.25rem;
  }

  .section-title {
    font-size: 1.85rem;
    line-height: 1.25;
  }

  .section-desc {
    font-size: 0.96rem;
    line-height: 1.6;
  }

  /* Compact Mobile Header */
  .site-header {
    position: sticky;
    top: 0;
  }

  .nav-bar {
    height: 66px;
  }

  .nav-links, .phone-quicklink, .nav-actions .btn {
    display: none;
  }

  .brand-group {
    gap: 0.65rem;
  }

  .brand-tagline, .brand-tagline-top {
    font-size: 0.5rem;
    letter-spacing: 0.12em;
    margin-bottom: 2px;
  }

  .brand-logo-title {
    font-size: 1.22rem;
  }

  .brand-logo-title .ip-badge {
    width: 20px;
    height: 20px;
    font-size: 0.62rem;
    border-width: 1.5px;
  }

  .brand-divider {
    height: 26px;
    width: 1px;
  }

  .person-name {
    font-size: 1.05rem;
  }

  .person-title {
    font-size: 0.62rem;
    letter-spacing: 0.03em;
  }

  .mobile-toggle {
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 0.4rem;
    color: var(--primary-navy);
    border-radius: var(--radius-sm);
  }

  /* Mobile Slide-Down Menu */
  .mobile-nav-menu {
    display: none !important;
    position: absolute;
    top: 66px;
    left: 0;
    right: 0;
    background: #ffffff;
    border-bottom: 2px solid var(--border-color);
    padding: 1.25rem 1.15rem;
    box-shadow: 0 15px 30px rgba(11, 37, 69, 0.12);
    z-index: 999;
  }

  .mobile-nav-menu.open {
    display: block !important;
  }

  .mobile-nav-menu ul {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 0.65rem;
  }

  .mobile-nav-menu a {
    font-size: 1rem;
    font-weight: 700;
    color: var(--primary-navy);
    padding: 0.55rem 0.75rem;
    border-radius: var(--radius-sm);
    display: block;
    transition: var(--transition);
  }

  .mobile-nav-menu a:hover {
    background: var(--bg-subtle);
    color: var(--accent-blue);
  }

  /* Hero Section */
  .hero {
    padding: 2.25rem 0 2.5rem;
  }

  .hero-grid {
    gap: 2rem;
  }

  .hero-badge {
    font-size: 0.72rem;
    padding: 0.35rem 0.75rem;
    letter-spacing: 0.04em;
  }

  .hero-title {
    font-size: 1.95rem;
    line-height: 1.22;
    margin-bottom: 0.9rem;
  }

  .hero-subtitle {
    font-size: 0.98rem;
    line-height: 1.6;
    margin-bottom: 1.5rem;
  }

  .hero-actions {
    flex-direction: column;
    gap: 0.75rem;
    margin-bottom: 1.75rem;
  }

  .hero-actions .btn {
    width: 100%;
    padding: 0.85rem 1rem;
    font-size: 0.95rem;
  }

  .hero-actions .btn-hero-phone {
    display: none; /* Redundant with mobile sticky bar */
  }

  .hero-trust-row {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0.5rem;
    padding: 1.15rem 0 0;
    border-top: 1px solid var(--border-color);
    text-align: center;
  }

  .trust-label {
    font-size: 0.62rem;
    line-height: 1.25;
  }

  .trust-val {
    font-size: 0.92rem;
    margin-top: 2px;
  }

  /* Jay's Photo on Mobile */
  .photo-card-wrapper {
    max-width: 280px;
    margin: 0 auto;
  }

  .photo-card {
    border-width: 3px;
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg);
  }

  .pill-top {
    display: none;
  }

  .pill-bottom {
    display: flex !important;
    position: static;
    margin-top: 0.85rem;
    width: 100%;
    justify-content: center;
    box-shadow: var(--shadow-sm);
    padding: 0.65rem 0.85rem;
    animation: none;
  }

  /* Credentials Strip (2x2 Grid) */
  .credentials-strip {
    padding: 1.75rem 0;
  }

  .credentials-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 0.85rem;
  }

  .credential-item {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.5rem;
    background: rgba(255, 255, 255, 0.06);
    padding: 0.85rem;
    border-radius: var(--radius-sm);
    border: 1px solid rgba(255, 255, 255, 0.1);
  }

  .credential-icon {
    width: 38px;
    height: 38px;
    border-radius: var(--radius-sm);
  }

  .credential-info h4 {
    font-size: 0.92rem;
    line-height: 1.25;
  }

  .credential-info p {
    font-size: 0.74rem;
    line-height: 1.4;
  }

  /* About Section & Card */
  .about-business-card {
    padding: 1.5rem 1.15rem;
  }

  .card-header-inner {
    flex-direction: column;
    gap: 0.75rem;
    margin-bottom: 1.25rem;
    padding-bottom: 0.85rem;
  }

  .card-name {
    font-size: 1.75rem;
  }

  .card-brand {
    text-align: left;
  }

  .card-details-list {
    gap: 0.75rem;
    margin-bottom: 1.25rem;
  }

  .card-detail-item {
    font-size: 0.86rem;
    word-break: break-word;
  }

  .card-badges-row {
    gap: 0.4rem;
  }

  .card-reg-pill {
    font-size: 0.7rem;
    padding: 0.25rem 0.5rem;
  }

  .about-content h3 {
    font-size: 1.45rem;
    line-height: 1.3;
  }

  .about-content p {
    font-size: 0.96rem;
  }

  .about-features-list {
    grid-template-columns: 1fr;
    gap: 0.65rem;
    margin: 1.25rem 0 1.75rem;
  }

  .about-feature-item {
    font-size: 0.88rem;
  }

  /* Services Grid */
  .services-grid {
    grid-template-columns: 1fr;
    gap: 1.25rem;
  }

  .service-card {
    padding: 1.5rem 1.25rem;
  }

  .service-icon-box {
    width: 46px;
    height: 46px;
    margin-bottom: 1rem;
  }

  .service-card h3 {
    font-size: 1.2rem;
    margin-bottom: 0.5rem;
  }

  .service-card p {
    font-size: 0.92rem;
    margin-bottom: 1.15rem;
  }

  /* Mortgage Calculator */
  .calc-inputs {
    padding: 1.75rem 1.25rem;
  }

  .calc-group {
    margin-bottom: 1.5rem;
  }

  .calc-label {
    font-size: 0.92rem;
  }

  .calc-val-badge {
    font-size: 1rem;
    padding: 0.25rem 0.6rem;
  }

  .calc-pill-selectors {
    gap: 0.4rem;
  }

  .pill-opt {
    padding: 0.55rem 0.25rem;
    font-size: 0.78rem;
  }

  .calc-results {
    padding: 1.75rem 1.25rem;
  }

  .repayment-hero-box {
    margin: 1.25rem 0;
    padding: 1.25rem 1rem;
  }

  .repayment-amount {
    font-size: clamp(2.2rem, 7vw, 2.7rem);
  }

  .repayment-freq-label {
    font-size: 0.78rem;
  }

  .calc-breakdown-list {
    gap: 0.65rem;
    margin-bottom: 1.5rem;
  }

  .breakdown-row {
    font-size: 0.84rem;
  }

  /* Process Steps */
  .process-grid {
    grid-template-columns: 1fr;
    gap: 1.15rem;
  }

  .process-step {
    padding: 1.5rem 1.25rem;
  }

  .step-num {
    width: 36px;
    height: 36px;
    font-size: 1rem;
    margin-bottom: 0.85rem;
  }

  .process-step h4 {
    font-size: 1.15rem;
  }

  .process-step p {
    font-size: 0.88rem;
  }

  /* Lenders Panel (2 Columns) */
  .lenders-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 0.65rem;
  }

  .lender-badge {
    min-height: 48px;
    padding: 0.6rem 0.4rem;
    font-size: 0.84rem;
  }

  /* Testimonials */
  .testimonial-card {
    padding: 1.5rem 1.25rem;
  }

  /* Contact & Form */
  .contact-info h3 {
    font-size: 1.55rem;
    line-height: 1.3;
  }

  .direct-cards {
    gap: 0.75rem;
    margin-bottom: 1.75rem;
  }

  .direct-card {
    padding: 0.85rem 1rem;
    gap: 0.85rem;
  }

  .direct-icon {
    width: 40px;
    height: 40px;
  }

  .direct-text h4 {
    font-size: 0.72rem;
  }

  .direct-text p, .direct-text a {
    font-size: 0.95rem;
    word-break: break-word;
  }

  .contact-form-card {
    padding: 1.75rem 1.25rem;
  }

  .contact-form-card h3 {
    font-size: 1.35rem;
  }

  .form-grid {
    grid-template-columns: 1fr;
    gap: 1rem;
  }

  .form-group.full-width {
    grid-column: span 1;
  }

  .form-control {
    font-size: 16px; /* Crucial: Prevents unwanted zoom in iOS Safari */
    padding: 0.75rem 0.85rem;
  }

  /* Footer */
  .site-footer {
    padding: 3rem 0 2rem;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
    margin-bottom: 2rem;
  }

  .footer-brand h3 {
    font-size: 1.25rem;
  }

  .footer-compliance-box {
    padding: 1.25rem;
    margin-bottom: 1.75rem;
  }

  .footer-bottom {
    flex-direction: column;
    gap: 0.75rem;
    text-align: center;
  }

  /* Mobile Sticky Bottom Bar */
  .mobile-sticky-bar {
    display: block;
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    background: rgba(255, 255, 255, 0.97);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    padding: 0.65rem 1rem calc(0.65rem + env(safe-area-inset-bottom, 0px));
    box-shadow: 0 -4px 18px rgba(0, 0, 0, 0.08);
    z-index: 1000;
    border-top: 1px solid var(--border-color);
  }

  .mobile-sticky-actions {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0.65rem;
  }

  .mobile-sticky-actions .btn {
    padding: 0.75rem 0.75rem;
    font-size: 0.9rem;
    font-weight: 800;
  }

  body {
    padding-bottom: calc(76px + env(safe-area-inset-bottom, 0px));
  }
}

/* Extra Small Phones (<= 400px, e.g. iPhone SE, 360px screens) */
@media (max-width: 400px) {
  .brand-group {
    gap: 0.45rem;
  }

  .brand-logo-title {
    font-size: 1.1rem;
  }

  .person-name {
    font-size: 0.95rem;
  }

  .person-title {
    display: none; /* Keep header compact on ultra-narrow screens */
  }

  .hero-title {
    font-size: 1.72rem;
  }

  .credentials-grid {
    grid-template-columns: 1fr;
  }

  .hero-trust-row {
    grid-template-columns: 1fr;
    gap: 0.65rem;
  }
}