/* ===========================================================
   Northline Mortgage Co. — Professional Mortgage
   Refined navy · champagne gold · trusted advisory aesthetic
   =========================================================== */

:root {
    /* Brand palette */
    --bg-0: #0b1018;
    --bg-1: #101820;
    --bg-2: #162030;
    --ink: #f4f6f9;
    --ink-dim: rgba(244, 246, 249, 0.78);
    --ink-soft: rgba(244, 246, 249, 0.52);
    --line: rgba(255, 255, 255, 0.09);

    /* Accents — gold & slate (finance/trust) */
    --accent-1: #c9a962;
    --accent-2: #b08d4a;
    --accent-3: #6b8499;
    --accent-4: #8fa8bc;
    --accent-gold: #dcc99a;

    /* Glass */
    --glass-bg: rgba(255, 255, 255, 0.05);
    --glass-bg-strong: rgba(255, 255, 255, 0.08);
    --glass-border: rgba(255, 255, 255, 0.11);
    --glass-shine: rgba(255, 255, 255, 0.18);

    --section-bg-soft: linear-gradient(180deg, #f6f7fa, #eceff4);

    --radius-lg: 24px;
    --radius-md: 16px;
    --radius-sm: 10px;

    --ease: cubic-bezier(0.22, 0.61, 0.36, 1);
    --ease-out: cubic-bezier(0.16, 1, 0.3, 1);

    --shadow-1: 0 8px 32px rgba(0, 0, 0, 0.22);
    --shadow-2: 0 24px 64px rgba(0, 0, 0, 0.32);
    --shadow-glow: 0 0 48px rgba(201, 169, 98, 0.12);

    --gradient-text: linear-gradient(135deg, #f0e6c8 0%, var(--accent-gold) 50%, var(--accent-1) 100%);
    --gradient-btn: linear-gradient(135deg, #d4bc82 0%, #a8884a 100%);
    --gradient-btn-hover: linear-gradient(135deg, #e5d4a8 0%, #c9a962 100%);
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

.demo-banner {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 200;
    padding: 8px 16px;
    padding-top: max(8px, env(safe-area-inset-top));
    text-align: center;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 0.03em;
    color: #1a1510;
    background: linear-gradient(90deg, #dcc99a, #c9a962);
    border-bottom: 1px solid rgba(0, 0, 0, 0.12);
}
body:has(.demo-banner) .nav { top: calc(16px + 36px); }
body:has(.demo-banner) .nav.scrolled { top: calc(12px + 36px); }
body:has(.demo-banner) .hero { padding-top: calc(140px + 36px); }
@media (max-width: 768px) {
    body:has(.demo-banner) .nav { top: calc(10px + env(safe-area-inset-top) + 34px); }
    body:has(.demo-banner) .hero { padding-top: calc(110px + env(safe-area-inset-top) + 34px); }
}

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    background: var(--bg-0);
    color: var(--ink);
    line-height: 1.6;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
    text-rendering: optimizeLegibility;
    -webkit-text-size-adjust: 100%;
}
body.menu-open { overflow: hidden; }

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; transition: 0.3s var(--ease); }
button { font-family: inherit; cursor: pointer; border: 0; background: none; color: inherit; }
input, select, textarea { font-family: inherit; }

.container {
    width: min(1240px, 100% - 40px);
    margin-inline: auto;
}

/* ============== Animated background ============== */
.mesh-bg {
    position: fixed; inset: 0; z-index: -1;
    background:
        radial-gradient(ellipse at 15% 0%, rgba(107, 132, 153, 0.12) 0%, transparent 45%),
        radial-gradient(ellipse at 85% 100%, rgba(201, 169, 98, 0.08) 0%, transparent 50%),
        linear-gradient(180deg, var(--bg-0) 0%, var(--bg-1) 55%, #0d131c 100%);
    overflow: hidden;
}

.orb {
    position: absolute;
    border-radius: 50%;
    filter: blur(100px);
    opacity: 0.22;
    will-change: transform;
}
.orb-1 { width: 480px; height: 480px; background: #6b8499; top: -120px; left: -100px; animation: float1 28s ease-in-out infinite; }
.orb-2 { width: 520px; height: 520px; background: #c9a962; top: 30%; right: -160px; opacity: 0.14; animation: float2 32s ease-in-out infinite; }
.orb-3 { width: 440px; height: 440px; background: #4a6278; bottom: -120px; left: 30%; animation: float3 30s ease-in-out infinite; }
.orb-4 { display: none; }

@keyframes float1 { 0%,100%{transform:translate(0,0)}50%{transform:translate(160px,80px)} }
@keyframes float2 { 0%,100%{transform:translate(0,0)}50%{transform:translate(-120px,140px)} }
@keyframes float3 { 0%,100%{transform:translate(0,0)}50%{transform:translate(100px,-120px)} }

.grain {
    position: absolute; inset: 0;
    background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='3' /%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='0.35'/%3E%3C/svg%3E");
    opacity: 0.06; mix-blend-mode: overlay; pointer-events: none;
}

/* Cursor follower — sits behind page content, not over it */
.cursor-glow {
    position: fixed;
    width: 240px; height: 240px;
    pointer-events: none;
    background: radial-gradient(circle, rgba(201, 169, 98, 0.05) 0%, transparent 70%);
    border-radius: 50%;
    transform: translate(-50%, -50%);
    z-index: -1;
    opacity: 0;
}
@media (pointer: fine) { .cursor-glow { opacity: 1; } }

/* Scroll progress bar */
.scroll-progress {
    position: fixed;
    top: 0; left: 0;
    height: 2px;
    width: 0%;
    background: linear-gradient(90deg, var(--accent-2), var(--accent-1));
    z-index: 1000;
    border-radius: 0 2px 2px 0;
    transition: width 0.1s linear;
}

/* ============== Glass utility ============== */
.glass {
    background: var(--glass-bg);
    backdrop-filter: blur(24px) saturate(140%);
    -webkit-backdrop-filter: blur(24px) saturate(140%);
    border: 1px solid var(--glass-border);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-1), inset 0 1px 0 var(--glass-shine);
}
.glass-soft {
    background: rgba(255,255,255,0.04);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    border: 1px solid var(--glass-border);
    border-radius: var(--radius-md);
}
.glass-dark {
    background: rgba(255,255,255,0.04);
    backdrop-filter: blur(20px) saturate(140%);
    -webkit-backdrop-filter: blur(20px) saturate(140%);
    border: 1px solid rgba(255,255,255,0.10);
    border-radius: var(--radius-md);
}

/* ============== Navigation ============== */
.nav {
    position: fixed; top: 16px; left: 50%;
    transform: translateX(-50%);
    width: min(1280px, calc(100% - 32px));
    z-index: 100;
    padding: 12px 20px;
    border-radius: 999px;
    transition: 0.4s var(--ease);
}
.nav.scrolled {
    top: 12px;
    background: rgba(11, 16, 24, 0.88);
    border-color: rgba(201, 169, 98, 0.15);
    box-shadow: 0 8px 32px rgba(0, 0, 0, 0.25);
}

.nav-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
}

.brand { display: flex; align-items: center; gap: 12px; }
.brand-mark {
    width: 42px; height: 42px;
    border-radius: 12px;
    background: var(--gradient-btn);
    display: grid; place-items: center;
    font-family: 'Playfair Display', serif;
    font-weight: 700; font-size: 18px;
    color: #1a1510;
    box-shadow: 0 6px 20px rgba(201, 169, 98, 0.28);
}
.brand-text { display: flex; flex-direction: column; line-height: 1; }
.brand-name { font-family: 'Playfair Display', serif; font-size: 17px; font-weight: 600; }
.brand-sub { font-size: 11px; color: var(--ink-soft); letter-spacing: 0.4px; margin-top: 4px; }

.nav-links {
    display: flex; gap: 4px;
    list-style: none;
}
.nav-links a {
    padding: 8px 16px;
    border-radius: 999px;
    font-size: 14px; font-weight: 500;
    color: var(--ink-dim);
    position: relative;
}
.nav-links a::before {
    content: '';
    position: absolute;
    inset: 0;
    background: rgba(255,255,255,0.06);
    border-radius: 999px;
    transform: scale(0.8);
    opacity: 0;
    transition: 0.3s var(--ease);
}
.nav-links a:hover { color: #fff; }
.nav-links a:hover::before { transform: scale(1); opacity: 1; }

.nav-cta { display: flex; align-items: center; gap: 10px; }

.primary-btn, .ghost-btn {
    display: inline-flex; align-items: center; gap: 8px;
    padding: 10px 18px;
    border-radius: 999px;
    font-size: 14px; font-weight: 600;
    transition: 0.3s var(--ease);
    white-space: nowrap;
    position: relative; overflow: hidden;
}
.primary-btn {
    background: var(--gradient-btn);
    color: #1a1510;
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.28), inset 0 1px 0 rgba(255,255,255,0.22);
}
.primary-btn::before {
    content: '';
    position: absolute; inset: 0;
    background: var(--gradient-btn-hover);
    opacity: 0;
    transition: opacity 0.4s;
}
.primary-btn > * { position: relative; z-index: 1; }
.primary-btn:hover { transform: translateY(-2px); box-shadow: 0 12px 32px rgba(201, 169, 98, 0.32); }
.primary-btn:hover::before { opacity: 1; }
.primary-btn.lg { padding: 14px 26px; font-size: 15px; }
.primary-btn.full { width: 100%; justify-content: center; }

.ghost-btn {
    background: rgba(255,255,255,0.05);
    border: 1px solid rgba(255,255,255,0.10);
    color: var(--ink);
}
.ghost-btn:hover { background: rgba(255,255,255,0.10); transform: translateY(-2px); }
.ghost-btn.lg { padding: 14px 24px; font-size: 15px; }

.hamburger { display: none; }

.mobile-menu {
    display: none;
    flex-direction: column;
    gap: 0;
    padding: 24px;
    margin-top: 16px;
    background: rgba(10, 14, 26, 0.95);
    backdrop-filter: blur(20px);
    border-radius: 20px;
    border: 1px solid var(--glass-border);
}
.mobile-menu.open { display: flex; }
.mobile-menu a {
    font-size: 16px;
    color: var(--ink-dim);
    padding: 14px 4px;
    min-height: 44px;
    display: flex;
    align-items: center;
    border-bottom: 1px solid var(--line);
    flex-shrink: 0;
}
.mobile-menu a:last-child { border-bottom: 0; }
.mobile-menu .mobile-menu-phone {
    gap: 10px;
    color: var(--ink);
    font-weight: 500;
}
.mobile-menu .primary-btn {
    margin-top: 16px;
    justify-content: center;
    min-height: 48px;
    border-bottom: 0;
}

.hamburger.open span:nth-child(1) {
    transform: translateY(7px) rotate(45deg);
}
.hamburger.open span:nth-child(2) {
    opacity: 0;
}
.hamburger.open span:nth-child(3) {
    transform: translateY(-7px) rotate(-45deg);
}
.hamburger span { transition: 0.3s var(--ease); }

/* ============== Hero ============== */
.hero {
    min-height: 100vh;
    padding: 140px 0 80px;
    position: relative;
    z-index: 1;
    display: flex; align-items: center;
}
.hero-inner {
    width: min(1240px, 100% - 40px);
    margin-inline: auto;
    display: grid;
    grid-template-columns: 1.15fr 0.85fr;
    gap: 60px;
    align-items: center;
}

.hero-badge {
    display: inline-flex; align-items: center; gap: 10px;
    padding: 8px 16px;
    font-size: 13px; font-weight: 500;
    color: var(--ink-dim);
    margin-bottom: 28px;
    width: fit-content;
}
.hero-badge .dot {
    width: 8px; height: 8px;
    border-radius: 50%;
    background: var(--accent-1);
    box-shadow: 0 0 10px rgba(201, 169, 98, 0.5);
    animation: pulse 2s infinite;
}
@keyframes pulse { 0%,100% { opacity: 1; } 50% { opacity: 0.5; } }

.hero-title {
    font-family: 'Playfair Display', serif;
    font-size: clamp(40px, 6vw, 76px);
    font-weight: 600;
    line-height: 1.05;
    letter-spacing: -0.02em;
    margin-bottom: 24px;
}
.hero-title em {
    font-style: italic; font-weight: 500;
    background: var(--gradient-text);
    -webkit-background-clip: text; background-clip: text;
    color: transparent;
}

.grad-text {
    background: var(--gradient-text);
    -webkit-background-clip: text; background-clip: text;
    color: transparent;
}

.hero-sub {
    font-size: 18px;
    color: var(--ink-dim);
    max-width: 540px;
    margin-bottom: 36px;
    line-height: 1.6;
}

.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 48px; }

.hero-stats {
    display: flex; align-items: center; gap: 28px;
    padding-top: 32px;
    border-top: 1px solid var(--line);
}
.stat {
    display: grid;
    grid-template-columns: auto auto;
    grid-template-rows: auto auto;
    column-gap: 2px;
    row-gap: 4px;
    position: relative;
    align-items: end;
}
.stat-num {
    font-family: 'Playfair Display', serif;
    font-size: 38px; font-weight: 700;
    grid-column: 1;
    grid-row: 1;
    background: linear-gradient(120deg, #fff, var(--accent-gold));
    -webkit-background-clip: text; background-clip: text;
    color: transparent;
}
.stat > span {
    font-family: 'Playfair Display', serif;
    font-size: 28px; font-weight: 600;
    grid-column: 2;
    grid-row: 1;
    align-self: end;
    background: var(--gradient-text);
    -webkit-background-clip: text; background-clip: text;
    color: transparent;
    margin-bottom: 4px;
}
.stat-label {
    grid-column: 1 / -1;
    grid-row: 2;
    font-size: 12px; color: var(--ink-soft); letter-spacing: 0.6px; text-transform: uppercase;
}
.stat-divider { width: 1px; height: 40px; background: var(--line); }

/* Hero card */
.hero-card {
    position: relative;
    padding: 32px;
    background: rgba(255,255,255,0.05);
    backdrop-filter: blur(28px) saturate(160%);
    -webkit-backdrop-filter: blur(28px) saturate(160%);
    border: 1px solid var(--glass-border);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-2), inset 0 1px 0 var(--glass-shine);
    transform-style: preserve-3d;
    transition: transform 0.5s var(--ease-out);
    will-change: transform;
    -webkit-backface-visibility: hidden;
    backface-visibility: hidden;
}
.hero-card.is-tilting {
    transition: none;
}
.card-glow {
    position: absolute;
    inset: -1px;
    border-radius: var(--radius-lg);
    background: linear-gradient(145deg, rgba(201, 169, 98, 0.35), rgba(107, 132, 153, 0.2));
    z-index: -1;
    opacity: 0.4;
    filter: blur(20px);
}

.hero-portrait {
    position: relative;
    width: 100%;
    aspect-ratio: 1/1;
    border-radius: 24px;
    overflow: hidden;
    background: linear-gradient(135deg, rgba(22, 32, 48, 0.6), rgba(16, 24, 36, 0.8));
    margin-bottom: 24px;
}
.hero-portrait img {
    width: 100%; height: 100%;
    object-fit: cover;
    object-position: center top;
    transition: transform 0.6s var(--ease-out);
}
.hero-card:hover .hero-portrait img { transform: scale(1.05); }
.portrait-ring {
    position: absolute; inset: 8px;
    border: 1px solid rgba(255,255,255,0.20);
    border-radius: 18px;
    pointer-events: none;
}

.hero-card-content {}
.card-row { display: flex; align-items: center; justify-content: space-between; }
.card-name { font-family: 'Playfair Display', serif; font-size: 24px; font-weight: 600; }
.card-verified i { color: var(--accent-1); font-size: 20px; }
.card-role { color: var(--ink-dim); font-size: 13px; margin-top: 2px; }
.card-divider { height: 1px; background: var(--line); margin: 18px 0; }

.card-line {
    display: flex; align-items: center; gap: 12px;
    font-size: 14px; color: var(--ink-dim);
    padding: 8px 0;
    transition: color 0.3s;
}
.card-line i { color: var(--accent-1); width: 18px; }
a.card-line:hover { color: #fff; }

.card-rating {
    margin-top: 18px;
    padding-top: 18px;
    border-top: 1px solid var(--line);
    display: flex; align-items: center; gap: 14px;
}
.stars { color: var(--accent-gold); display: flex; gap: 2px; }
.card-rating span { font-size: 12px; color: var(--ink-soft); }

.floating-pill {
    position: absolute;
    padding: 10px 16px;
    border-radius: 999px;
    font-size: 12px; font-weight: 500;
    background: rgba(15, 20, 36, 0.85);
    backdrop-filter: blur(20px);
    border: 1px solid var(--glass-border);
    display: flex; align-items: center; gap: 8px;
    box-shadow: var(--shadow-1);
    animation: bob 6s ease-in-out infinite;
}
.floating-pill i { color: var(--accent-1); }
.pill-1 { top: -16px; left: -20px; animation-delay: 0s; }
.pill-2 { bottom: 24px; right: -30px; animation-delay: -3s; }
@keyframes bob { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-10px); } }

/* Scroll cue */
.scroll-cue {
    position: absolute;
    bottom: 30px; left: 50%;
    transform: translateX(-50%);
    display: flex; flex-direction: column;
    align-items: center; gap: 8px;
    font-size: 11px; letter-spacing: 2px;
    color: var(--ink-soft);
    text-transform: uppercase;
}
.cue-line {
    width: 1px; height: 36px;
    background: linear-gradient(180deg, var(--ink-soft), transparent);
    position: relative;
    overflow: hidden;
}
.cue-line::after {
    content: '';
    position: absolute; top: -36px; left: 0;
    width: 1px; height: 36px;
    background: linear-gradient(180deg, transparent, var(--accent-1));
    animation: cue 2.4s var(--ease) infinite;
}
@keyframes cue { 0%{top:-36px}100%{top:36px} }

/* ============== Rates ribbon ============== */
.rates-ribbon { margin-top: -40px; position: relative; z-index: 2; padding: 0 0 60px; }
.ribbon {
    padding: 24px 32px;
    display: grid;
    grid-template-columns: auto 1fr auto;
    align-items: center;
    gap: 32px;
}
.ribbon-title { display: flex; align-items: center; gap: 14px; }
.ribbon-title i { font-size: 24px; color: var(--accent-1); }
.ribbon-eyebrow { font-size: 11px; color: var(--ink-soft); letter-spacing: 1px; text-transform: uppercase; }
.ribbon-h { font-family: 'Playfair Display', serif; font-size: 22px; font-weight: 600; line-height: 1.1; }

.ribbon-rates {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
}
.rate-pill {
    padding: 14px 16px;
    background: rgba(255,255,255,0.04);
    border: 1px solid var(--glass-border);
    border-radius: 14px;
    transition: 0.3s var(--ease);
}
.rate-pill:hover { transform: translateY(-3px); border-color: rgba(201, 169, 98, 0.45); }
.rate-pill.featured {
    background: linear-gradient(135deg, rgba(201, 169, 98, 0.14), rgba(107, 132, 153, 0.12));
    border-color: rgba(201, 169, 98, 0.38);
    box-shadow: 0 8px 28px rgba(0, 0, 0, 0.2);
}
.rate-label { font-size: 11px; color: var(--ink-soft); text-transform: uppercase; letter-spacing: 0.6px; }
.rate-value { font-family: 'Playfair Display', serif; font-size: 28px; font-weight: 700; margin: 4px 0; }
.rate-value span { font-size: 16px; opacity: 0.7; }
.rate-trend { font-size: 11px; display: inline-flex; align-items: center; gap: 4px; }
.rate-trend.down { color: #6b9e82; }
.rate-trend.up { color: #c47a6a; }
.rate-trend.flat { color: var(--ink-soft); }

/* ============== Sections ============== */
.section { padding: 100px 0; position: relative; }
.section.dark {
    background: linear-gradient(180deg, transparent, rgba(8, 12, 18, 0.75) 15%, rgba(8, 12, 18, 0.75) 85%, transparent);
}

.eyebrow {
    display: inline-flex; align-items: center; gap: 8px;
    padding: 6px 14px;
    font-size: 12px; letter-spacing: 1px; text-transform: uppercase;
    color: var(--ink-dim);
    background: rgba(255,255,255,0.06);
    border: 1px solid var(--glass-border);
    border-radius: 999px;
    margin-bottom: 20px;
}
.eyebrow i { color: var(--accent-1); }

.section-title {
    font-family: 'Playfair Display', serif;
    font-size: clamp(32px, 4.5vw, 56px);
    font-weight: 600;
    line-height: 1.1;
    letter-spacing: -0.01em;
    margin-bottom: 20px;
}
.section-title em {
    font-style: italic; font-weight: 500;
    background: var(--gradient-text);
    -webkit-background-clip: text; background-clip: text;
    color: transparent;
}
.section-title.center { text-align: center; margin-inline: auto; }
.section-title.light { color: #fff; }

.section-sub { color: var(--ink-dim); font-size: 17px; max-width: 600px; margin-inline: auto; }
.section-sub a { color: var(--accent-gold); text-decoration: underline; text-underline-offset: 3px; }
.section-sub a:hover { color: var(--accent-1); }
.section-sub.light { color: rgba(255,255,255,0.7); }
.section-head { text-align: center; margin-bottom: 60px; }

.lede { font-size: 18px; color: var(--ink-dim); margin-bottom: 16px; max-width: 540px; }
.muted { color: var(--ink-soft); max-width: 540px; }

.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }

/* About */
.feature-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin-top: 32px;
}
.feature-card {
    padding: 18px;
    transition: 0.3s var(--ease);
}
.feature-card:hover {
    transform: translateY(-4px);
    background: rgba(255,255,255,0.07);
    border-color: rgba(201, 169, 98, 0.35);
}
.feature-card i { font-size: 22px; color: var(--accent-1); margin-bottom: 10px; }
.feature-card h4 { font-size: 15px; margin-bottom: 4px; }
.feature-card p { font-size: 13px; color: var(--ink-soft); }

.about-card { padding: 36px; position: relative; }
.about-card-head { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 24px; gap: 20px; }
.about-eyebrow { font-size: 11px; letter-spacing: 1.5px; color: var(--accent-1); text-transform: uppercase; margin-bottom: 6px; }
.about-card-head h3 { font-family: 'Playfair Display', serif; font-size: 28px; font-weight: 600; line-height: 1.2; }
.about-card-head h3 em { font-style: italic; background: var(--gradient-text); -webkit-background-clip: text; background-clip: text; color: transparent; }
.about-avatar {
    width: 80px; height: 80px;
    border-radius: 18px;
    overflow: hidden;
    border: 2px solid rgba(255,255,255,0.12);
    flex-shrink: 0;
}
.about-avatar img { width: 100%; height: 100%; object-fit: cover; object-position: top; }

.check-list { list-style: none; }
.check-list li {
    padding: 10px 0;
    display: flex; align-items: center; gap: 12px;
    border-bottom: 1px solid var(--line);
    font-size: 15px; color: var(--ink-dim);
}
.check-list li:last-child { border-bottom: 0; }
.check-list li i { color: var(--accent-1); font-size: 16px; }
.check-list.inline { display: flex; gap: 18px; flex-wrap: wrap; padding-top: 10px; }
.check-list.inline li { border: 0; padding: 0; }

.about-cta { margin-top: 24px; }

/* Services */
.service-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}
a.service-card {
    display: block;
    color: inherit;
    text-decoration: none;
}
.service-card {
    padding: 32px;
    position: relative;
    transition: 0.4s var(--ease);
    overflow: hidden;
    cursor: pointer;
    display: block;
}
.service-card::before {
    content: '';
    position: absolute; inset: 0;
    background: linear-gradient(135deg, rgba(201,169,98,0.0), rgba(107,132,153,0.0));
    opacity: 0;
    transition: opacity 0.4s;
    z-index: -1;
}
.service-card:hover {
    transform: translateY(-5px);
    border-color: rgba(201, 169, 98, 0.35);
    box-shadow: 0 16px 40px rgba(0, 0, 0, 0.22);
}
.service-card:hover::before { opacity: 1; background: linear-gradient(135deg, rgba(201,169,98,0.12), rgba(107,132,153,0.12)); }

.service-icon {
    width: 56px; height: 56px;
    border-radius: 16px;
    background: linear-gradient(135deg, rgba(201,169,98,0.18), rgba(107,132,153,0.18));
    border: 1px solid rgba(201,169,98,0.20);
    display: grid; place-items: center;
    margin-bottom: 20px;
    font-size: 22px;
    color: var(--accent-1);
    transition: 0.4s var(--ease);
}
.service-card:hover .service-icon {
    transform: translateY(-2px);
    background: var(--gradient-btn);
    color: #1a1510;
    box-shadow: 0 8px 24px rgba(201, 169, 98, 0.28);
}
.service-card h3 { font-family: 'Playfair Display', serif; font-size: 22px; font-weight: 600; margin-bottom: 10px; }
.service-card p { color: var(--ink-dim); font-size: 14px; margin-bottom: 18px; }
.learn {
    display: inline-flex; align-items: center; gap: 6px;
    font-size: 13px; font-weight: 600;
    color: var(--accent-1);
    transition: 0.3s var(--ease);
}
.service-card:hover .learn { gap: 12px; }

/* Calculator */
.calc-wrap {
    padding: 40px;
    display: grid;
    grid-template-columns: 1.1fr 1fr;
    gap: 40px;
}

.calc-controls { display: flex; flex-direction: column; gap: 22px; }
.calc-field {}
.calc-field label {
    display: block;
    font-size: 12px; color: var(--ink-soft);
    text-transform: uppercase; letter-spacing: 0.8px;
    margin-bottom: 8px;
}
.input-wrap {
    position: relative;
    display: flex; align-items: center;
    background: rgba(255,255,255,0.05);
    border: 1px solid var(--glass-border);
    border-radius: 14px;
    padding: 6px 14px;
    margin-bottom: 10px;
    transition: 0.3s;
}
.input-wrap:focus-within { border-color: var(--accent-2); box-shadow: 0 0 0 4px rgba(201,169,98,0.15); }
.input-wrap .prefix, .input-wrap .suffix {
    color: var(--ink-soft); font-size: 14px;
}
.input-wrap input {
    flex: 1;
    background: none; border: 0; outline: 0;
    padding: 10px 8px;
    color: #fff;
    font-size: 18px; font-weight: 600;
    font-family: 'Playfair Display', serif;
}

input[type=range] {
    -webkit-appearance: none; appearance: none;
    width: 100%;
    height: 6px;
    background: rgba(255,255,255,0.10);
    border-radius: 999px;
    outline: 0;
}
input[type=range]::-webkit-slider-thumb {
    -webkit-appearance: none; appearance: none;
    width: 20px; height: 20px;
    background: var(--gradient-btn);
    border-radius: 50%;
    cursor: pointer;
    border: 2px solid #fff;
    box-shadow: 0 4px 16px rgba(201,169,98,0.4);
}
input[type=range]::-moz-range-thumb {
    width: 20px; height: 20px;
    background: var(--gradient-btn);
    border-radius: 50%;
    cursor: pointer;
    border: 2px solid #fff;
}

.seg {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    background: rgba(255,255,255,0.05);
    border: 1px solid var(--glass-border);
    border-radius: 14px;
    padding: 4px;
    gap: 4px;
}
.seg-btn {
    padding: 10px;
    border-radius: 10px;
    font-size: 13px; font-weight: 500;
    color: var(--ink-dim);
    transition: 0.3s var(--ease);
}
.seg-btn.active {
    background: var(--gradient-btn);
    color: #1a1510;
    box-shadow: 0 6px 20px rgba(201,169,98,0.4);
}

/* Calc result */
.calc-result { display: flex; align-items: stretch; }
.result-card {
    width: 100%;
    background: linear-gradient(155deg, rgba(22, 32, 48, 0.9), rgba(14, 20, 30, 0.95));
    border: 1px solid rgba(201, 169, 98, 0.22);
    border-radius: 24px;
    padding: 32px;
    display: flex; flex-direction: column;
    position: relative;
    overflow: hidden;
}
.result-card::before {
    content: '';
    position: absolute; top: -50%; right: -30%;
    width: 350px; height: 350px;
    background: radial-gradient(circle, rgba(255,255,255,0.10), transparent 60%);
    pointer-events: none;
}

.result-eyebrow { font-size: 12px; color: var(--ink-dim); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 10px; }
.result-amount {
    font-family: 'Playfair Display', serif;
    display: flex; align-items: baseline; gap: 4px;
    font-size: 64px; font-weight: 700;
    line-height: 1;
    background: linear-gradient(120deg, #fff, var(--accent-gold));
    -webkit-background-clip: text; background-clip: text;
    color: transparent;
}
.result-amount .dollar { font-size: 32px; opacity: 0.8; }
.result-amount .freq-label {
    font-family: 'Inter', sans-serif;
    font-size: 16px; font-weight: 500;
    color: var(--ink-dim);
    background: none;
    -webkit-text-fill-color: var(--ink-dim);
    margin-left: 6px;
}

.result-breakdown {
    display: grid; grid-template-columns: repeat(3, 1fr);
    gap: 16px;
    margin: 28px 0 20px;
    padding: 20px 0;
    border-top: 1px solid var(--line);
    border-bottom: 1px solid var(--line);
}
.bd-label { font-size: 11px; color: var(--ink-soft); text-transform: uppercase; letter-spacing: 0.6px; margin-bottom: 6px; }
.bd-value { font-family: 'Playfair Display', serif; font-size: 18px; font-weight: 600; }

.result-bar {
    height: 22px;
    border-radius: 999px;
    background: rgba(255,255,255,0.08);
    overflow: hidden;
    display: flex;
    margin-bottom: 10px;
}
.bar-principal,
.bar-interest {
    height: 100%;
    display: flex;
    align-items: center;
    justify-content: center;
    min-width: 0;
    transition: width 0.6s var(--ease);
    overflow: hidden;
}
.bar-principal { background: linear-gradient(90deg, #5a9a7a, #6b8499); }
.bar-interest { background: linear-gradient(90deg, var(--accent-2), var(--accent-1)); }
.bar-pct {
    font-size: 10px;
    font-weight: 700;
    letter-spacing: 0.02em;
    color: #fff;
    white-space: nowrap;
    padding: 0 6px;
    text-shadow: 0 1px 3px rgba(0, 0, 0, 0.35);
    opacity: 0;
    transition: opacity 0.3s var(--ease);
}
.bar-principal.show-pct .bar-pct,
.bar-interest.show-pct .bar-pct { opacity: 1; }

.bar-legend { display: flex; gap: 18px; font-size: 12px; color: var(--ink-dim); margin-bottom: 18px; }
.bar-legend .dot { display: inline-block; width: 10px; height: 10px; border-radius: 50%; vertical-align: middle; margin-right: 5px; }
.bar-legend .dot.p { background: #5a9a7a; }
.bar-legend .dot.i { background: var(--accent-2); }

.result-insights {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
    margin-bottom: 16px;
}
.insight {
    padding: 12px 14px;
    background: rgba(255, 255, 255, 0.04);
    border: 1px solid var(--line);
    border-radius: 12px;
    display: flex;
    flex-direction: column;
    gap: 4px;
}
.insight-highlight {
    background: rgba(201, 169, 98, 0.08);
    border-color: rgba(201, 169, 98, 0.22);
}
.insight-label {
    font-size: 10px;
    color: var(--ink-soft);
    text-transform: uppercase;
    letter-spacing: 0.55px;
}
.insight-value {
    font-family: 'Playfair Display', serif;
    font-size: 17px;
    font-weight: 600;
    line-height: 1.2;
}
.insight-note {
    font-size: 10px;
    color: var(--ink-soft);
    line-height: 1.3;
}
.insight.is-hidden { display: none; }
.calc-disclaimer {
    font-size: 11px;
    color: var(--ink-soft);
    line-height: 1.5;
    margin-bottom: 18px;
}

/* Testimonials */
.testimonial-track {
    display: flex; flex-direction: column;
    gap: 20px;
    margin: 0 -40px;
    padding: 0 40px;
    overflow: hidden;
    position: relative;
    -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
            mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}

.testimonial-row {
    display: flex;
    gap: 20px;
    animation: slideRow 50s linear infinite;
    width: max-content;
}
.testimonial-row.reverse { animation: slideRowReverse 60s linear infinite; }

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

.testimonial-row:hover { animation-play-state: paused; }

.t-card {
    flex: 0 0 380px;
    padding: 24px;
    position: relative;
    transition: 0.3s var(--ease);
}
.t-card:hover { transform: translateY(-4px); border-color: rgba(201,169,98,0.3); }
.t-card .fa-quote-left { position: absolute; top: 16px; right: 20px; font-size: 32px; color: rgba(201, 169, 98, 0.15); }
.t-card p { font-size: 14px; line-height: 1.6; color: var(--ink-dim); margin-bottom: 14px; }
.t-author { font-size: 13px; color: #fff; font-weight: 600; }
.t-stars { color: var(--accent-gold); margin-top: 6px; font-size: 12px; display: flex; gap: 2px; }

.rating-summary {
    display: flex; align-items: center; justify-content: center; gap: 20px;
    margin-top: 50px;
    padding: 24px 36px;
    background: rgba(255,255,255,0.04);
    border: 1px solid var(--glass-border);
    border-radius: 24px;
    width: fit-content;
    margin-inline: auto;
}
.big-rating {
    font-family: 'Playfair Display', serif;
    font-size: 64px; font-weight: 700; line-height: 1;
    background: var(--gradient-text);
    -webkit-background-clip: text; background-clip: text;
    color: transparent;
}
.rating-info {}
.rating-stars { color: var(--accent-gold); font-size: 18px; margin-bottom: 4px; }
.rating-count { font-size: 13px; color: var(--ink-dim); }

/* Timeline / Process */
.timeline {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    position: relative;
}
.timeline::before {
    content: '';
    position: absolute;
    top: 36px; left: 8%; right: 8%;
    height: 1px;
    background: linear-gradient(90deg, transparent, rgba(201, 169, 98, 0.4), rgba(107, 132, 153, 0.35), transparent);
}
.t-step {
    padding: 28px 24px;
    background: rgba(255,255,255,0.04);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    border: 1px solid var(--glass-border);
    border-radius: var(--radius-md);
    text-align: center;
    transition: 0.4s var(--ease);
    position: relative;
}
.t-step:hover { transform: translateY(-6px); border-color: rgba(201,169,98,0.3); }
.t-num {
    font-family: 'Playfair Display', serif;
    font-size: 28px; font-weight: 700;
    width: 60px; height: 60px;
    border-radius: 50%;
    background: var(--gradient-btn);
    color: #1a1510;
    display: grid; place-items: center;
    margin: 0 auto 16px;
    box-shadow: 0 10px 30px rgba(201,169,98,0.4);
    position: relative;
    z-index: 1;
}
.t-step h4 { font-size: 17px; font-weight: 600; margin-bottom: 8px; }
.t-step p { font-size: 13px; color: var(--ink-soft); }

/* News */
.news-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
a.news-card {
    display: block;
    color: inherit;
    text-decoration: none;
}
.news-card {
    overflow: hidden;
    transition: 0.4s var(--ease);
    cursor: pointer;
    padding: 0;
}
.news-card:hover { transform: translateY(-8px); border-color: rgba(201,169,98,0.3); }
.news-img {
    position: relative;
    aspect-ratio: 16/10;
    overflow: hidden;
}
.news-img img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.6s var(--ease-out); }
.news-card:hover .news-img img { transform: scale(1.08); }
.news-tag {
    position: absolute; top: 14px; left: 14px;
    padding: 5px 12px;
    background: rgba(15, 20, 36, 0.85);
    backdrop-filter: blur(10px);
    border-radius: 999px;
    font-size: 11px; font-weight: 500;
    border: 1px solid var(--glass-border);
}
.news-body { padding: 22px 24px 26px; }
.news-date { font-size: 12px; color: var(--ink-soft); text-transform: uppercase; letter-spacing: 0.8px; margin-bottom: 10px; }
.news-card h3 { font-family: 'Playfair Display', serif; font-size: 20px; font-weight: 600; line-height: 1.25; margin-bottom: 10px; }
.news-card p { font-size: 13px; color: var(--ink-dim); margin-bottom: 14px; line-height: 1.55; }
.news-card .learn { font-size: 13px; }

/* Apply */
.apply-card {
    padding: 60px;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    position: relative;
    overflow: hidden;
}
.apply-bg-orb {
    position: absolute;
    top: -200px; right: -200px;
    width: 500px; height: 500px;
    background: radial-gradient(circle, rgba(201,169,98,0.30), transparent 60%);
    pointer-events: none;
    animation: bob 8s ease-in-out infinite;
}

.apply-content { position: relative; }
.apply-content .section-title { margin-bottom: 16px; font-size: 42px; }

.apply-form { display: flex; flex-direction: column; gap: 14px; position: relative; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-field {
    position: relative;
}
.form-field input, .form-field select, .form-field textarea {
    width: 100%;
    padding: 18px 16px 8px;
    background: rgba(255,255,255,0.04);
    border: 1px solid var(--glass-border);
    border-radius: 14px;
    color: #fff;
    font-size: 15px;
    outline: 0;
    transition: 0.3s;
    resize: none;
}
.form-field textarea { min-height: 100px; padding-top: 26px; }
.form-field select {
    appearance: none;
    -webkit-appearance: none;
    -moz-appearance: none;
    cursor: pointer;
    height: 62px;
    padding: 26px 44px 8px 16px;
    line-height: 1.2;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8' fill='none'%3E%3Cpath d='M1 1.5L6 6.5L11 1.5' stroke='%23c9a962' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 18px center;
    background-size: 12px 8px;
}
.form-field select option { background: var(--bg-1); color: #fff; }
.form-field input, .form-field textarea { padding-top: 26px; }
.form-field input:focus, .form-field select:focus, .form-field textarea:focus {
    border-color: var(--accent-2);
    background: rgba(255,255,255,0.06);
    box-shadow: 0 0 0 4px rgba(201,169,98,0.12);
}
.form-field label {
    position: absolute;
    top: 20px; left: 16px;
    font-size: 14px;
    color: var(--ink-soft);
    pointer-events: none;
    transition: 0.25s var(--ease);
}
.form-field input:not(:placeholder-shown) + label,
.form-field textarea:not(:placeholder-shown) + label,
.form-field input:focus + label,
.form-field textarea:focus + label,
.form-field label.static {
    top: 9px;
    font-size: 11px;
    color: var(--accent-1);
    letter-spacing: 0.5px;
    text-transform: uppercase;
}

.form-success {
    display: none;
    align-items: center; gap: 14px;
    padding: 16px 18px;
    background: rgba(74,222,128,0.12);
    border: 1px solid rgba(74,222,128,0.3);
    border-radius: 14px;
    color: #fff;
    margin-top: 6px;
}
.form-success i { font-size: 24px; color: #4ade80; }
.form-success div { display: flex; flex-direction: column; }
.form-success strong { font-size: 14px; }
.form-success span { font-size: 13px; color: var(--ink-dim); }

/* Footer */
.footer {
    padding: 80px 0 30px;
    background: linear-gradient(180deg, transparent, rgba(0,0,0,0.4));
    border-top: 1px solid var(--line);
    margin-top: 40px;
}
.footer-grid {
    display: grid;
    grid-template-columns: 1.35fr 1fr 0.95fr 1fr 0.85fr;
    gap: 32px 28px;
    margin-bottom: 50px;
}
.footer-brand p { font-size: 14px; color: var(--ink-soft); margin: 20px 0; max-width: 320px; }

.footer-newsletter {
    margin: 24px 0 20px;
    max-width: 340px;
}
.footer-newsletter h5 {
    font-family: 'Playfair Display', serif;
    font-size: 16px;
    font-weight: 600;
    margin-bottom: 8px;
}
.footer-newsletter > p {
    font-size: 13px;
    color: var(--ink-soft);
    line-height: 1.5;
    margin-bottom: 12px;
}
.newsletter-form {
    display: flex;
    gap: 8px;
    align-items: stretch;
}
.newsletter-form input[type="email"] {
    flex: 1;
    min-width: 0;
    padding: 12px 14px;
    font-size: 14px;
    color: var(--ink);
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid var(--glass-border);
    border-radius: 12px;
    outline: none;
    transition: border-color 0.3s var(--ease), box-shadow 0.3s var(--ease);
}
.newsletter-form input[type="email"]::placeholder {
    color: var(--ink-soft);
}
.newsletter-form input[type="email"]:focus {
    border-color: var(--accent-2);
    box-shadow: 0 0 0 3px rgba(201, 169, 98, 0.18);
}
.newsletter-btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 12px 16px;
    border-radius: 12px;
    font-size: 13px;
    font-weight: 600;
    white-space: nowrap;
    background: var(--gradient-btn);
    color: #1a1510;
    transition: 0.3s var(--ease);
    flex-shrink: 0;
}
.newsletter-btn:hover {
    background: var(--gradient-btn-hover);
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(201, 169, 98, 0.35);
}
.newsletter-success {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-top: 10px;
    font-size: 13px;
    color: var(--accent-gold);
}
.newsletter-success[hidden] { display: none; }
.newsletter-success i { color: #5a9a7a; }

.sr-only {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
}

.socials { display: flex; gap: 10px; }
.socials a {
    width: 38px; height: 38px;
    background: rgba(255,255,255,0.06);
    border: 1px solid var(--glass-border);
    border-radius: 50%;
    display: grid; place-items: center;
    font-size: 14px;
    color: var(--ink-dim);
    transition: 0.3s var(--ease);
}
.socials a:hover { background: var(--gradient-btn); color: #1a1510; transform: translateY(-3px); border-color: transparent; }

.footer-col h5 {
    font-family: 'Playfair Display', serif;
    font-size: 16px; font-weight: 600;
    margin-bottom: 18px;
}
.footer-col .footer-subhead {
    margin-top: 22px;
    margin-bottom: 12px;
    font-size: 14px;
}
.footer-col ul { list-style: none; }
.footer-col ul.contact li {
    font-size: 13px;
    color: var(--ink-soft);
    padding: 6px 0;
    display: flex;
    gap: 10px;
    align-items: flex-start;
    line-height: 1.5;
}
.footer-col ul.contact li i {
    color: var(--accent-1);
    margin-top: 4px;
    flex-shrink: 0;
}
.footer-col ul.links li {
    display: block;
    padding: 0;
}
.footer-col ul.links li a {
    display: block;
    padding: 6px 0;
    font-size: 13px;
    color: var(--ink-dim);
    line-height: 1.45;
    transition: color 0.3s var(--ease), padding 0.3s var(--ease);
}
.footer-col ul.links li a:hover {
    color: var(--accent-1);
    padding-left: 4px;
}

.footer-bottom {
    padding-top: 24px;
    border-top: 1px solid var(--line);
    display: grid;
    grid-template-columns: 2fr 1fr 1.5fr;
    gap: 20px;
    align-items: center;
    font-size: 12px;
    color: var(--ink-soft);
}
.footer-links { display: flex; gap: 18px; justify-content: center; }
.footer-links a:hover { color: #fff; }

/* Back to top */
.back-top {
    position: fixed;
    bottom: 30px; right: 30px;
    width: 50px; height: 50px;
    border-radius: 50%;
    background: var(--gradient-btn);
    color: #1a1510;
    display: grid; place-items: center;
    box-shadow: var(--shadow-1);
    opacity: 0;
    transform: translateY(20px);
    transition: 0.4s var(--ease);
    z-index: 80;
}
.back-top.show { opacity: 1; transform: translateY(0); }
.back-top:hover { transform: translateY(-4px); box-shadow: 0 12px 30px rgba(201,169,98,0.5); }

/* ============== Reveal animations ============== */
/* Default: visible. JS adds .js to <html> to enable hide-until-scroll behavior. */
.reveal {
    opacity: 1;
    transform: translateY(0);
    transition: opacity 0.9s var(--ease-out), transform 0.9s var(--ease-out);
}
html.js .reveal {
    opacity: 0;
    transform: translateY(40px);
}
html.js .reveal.in {
    opacity: 1;
    transform: translateY(0);
}

/* Staggered children */
.reveal .reveal { transition-delay: 0.1s; }

/* ============== Section break — moving lines ============== */
.section-break {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0;
    width: min(720px, calc(100% - 48px));
    margin: 0 auto;
    padding: 8px 0;
    position: relative;
    z-index: 1;
}

.section-break-line {
    flex: 1;
    height: 1px;
    position: relative;
    background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.08) 20%, rgba(255, 255, 255, 0.08) 80%, transparent);
    overflow: hidden;
}

.section-break-line::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(90deg, transparent, rgba(201, 169, 98, 0.35), transparent);
    opacity: 0.5;
}

.section-break-line::after {
    content: '';
    position: absolute;
    top: -1px;
    left: -40%;
    width: 40%;
    height: 3px;
    border-radius: 999px;
    background: linear-gradient(90deg, transparent, var(--accent-gold), var(--accent-1), transparent);
    box-shadow: 0 0 14px rgba(201, 169, 98, 0.55);
    animation: break-shimmer 4.2s var(--ease) infinite;
}

.section-break-line--right::after {
    animation-name: break-shimmer-reverse;
    animation-delay: -2.1s;
}

.section-break-center {
    flex-shrink: 0;
    width: 44px;
    height: 44px;
    margin: 0 4px;
    display: grid;
    place-items: center;
    position: relative;
}

.section-break-center::before {
    content: '';
    position: absolute;
    inset: 0;
    border-radius: 50%;
    border: 1px solid rgba(201, 169, 98, 0.25);
    animation: break-pulse 3s ease-in-out infinite;
}

.section-break-center::after {
    content: '';
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: var(--accent-1);
    box-shadow: 0 0 12px rgba(201, 169, 98, 0.7);
    animation: break-dot 3s ease-in-out infinite;
}

/* Alternate breaks: wider travel, offset timing */
.section-break--alt .section-break-line::after {
    width: 55%;
    animation-duration: 5s;
}
.section-break--alt .section-break-line--right::after {
    animation-delay: -2.5s;
}

@keyframes break-shimmer {
    0% { left: -45%; opacity: 0; }
    15% { opacity: 1; }
    85% { opacity: 1; }
    100% { left: 105%; opacity: 0; }
}

@keyframes break-shimmer-reverse {
    0% { left: 105%; opacity: 0; }
    15% { opacity: 1; }
    85% { opacity: 1; }
    100% { left: -45%; opacity: 0; }
}

@keyframes break-pulse {
    0%, 100% { transform: scale(1); opacity: 0.5; }
    50% { transform: scale(1.12); opacity: 0.9; }
}

@keyframes break-dot {
    0%, 100% { transform: scale(1); }
    50% { transform: scale(1.25); }
}

/* ============== Responsive ============== */
/* Tablet */
@media (max-width: 1100px) {
    .hero-inner { grid-template-columns: 1fr; gap: 40px; }
    .two-col { grid-template-columns: 1fr; gap: 40px; }
    .service-grid { grid-template-columns: repeat(2, 1fr); }
    .news-grid { grid-template-columns: repeat(2, 1fr); }
    .footer-grid {
        grid-template-columns: repeat(3, 1fr);
        gap: 36px 28px;
    }
    .footer-brand { grid-column: 1 / -1; max-width: 480px; }
    .newsletter-form { flex-direction: column; }
    .newsletter-btn { justify-content: center; width: 100%; }
    .ribbon { grid-template-columns: 1fr; gap: 20px; }
    .calc-wrap { grid-template-columns: 1fr; }
    .apply-card { grid-template-columns: 1fr; padding: 40px; }
    .timeline { grid-template-columns: repeat(2, 1fr); }
    .timeline::before { display: none; }
    .ribbon-rates { grid-template-columns: repeat(2, 1fr); }
    .result-breakdown { grid-template-columns: repeat(2, 1fr); }
    .hero-actions { flex-wrap: wrap; }
    .container { width: min(1240px, calc(100% - 32px)); }
}

/* Phone */
@media (max-width: 768px) {
    .nav-links, .nav-cta { display: none; }
    .nav {
        top: max(10px, env(safe-area-inset-top));
        width: calc(100% - 20px);
        padding: 10px 14px;
        border-radius: 16px;
    }
    .hamburger {
        display: flex;
        flex-direction: column;
        gap: 5px;
        width: 44px;
        height: 44px;
        align-items: center;
        justify-content: center;
        flex-shrink: 0;
    }
    .hamburger span {
        width: 20px;
        height: 2px;
        background: #fff;
        border-radius: 2px;
    }
    .mobile-menu {
        display: none;
        position: fixed;
        inset: 0;
        margin: 0;
        padding: calc(88px + env(safe-area-inset-top)) 24px calc(24px + env(safe-area-inset-bottom));
        border-radius: 0;
        border: 0;
        z-index: 150;
        background: rgba(10, 14, 26, 0.98);
        backdrop-filter: blur(24px);
        -webkit-backdrop-filter: blur(24px);
        overflow-x: hidden;
        overflow-y: auto;
        -webkit-overflow-scrolling: touch;
    }
    .mobile-menu.open {
        display: flex;
    }
    body.menu-open .nav {
        z-index: 160;
    }
    .hero {
        padding: calc(110px + env(safe-area-inset-top)) 0 60px;
        min-height: auto;
    }
    .hero-inner { width: calc(100% - 32px); gap: 32px; }
    .hero-title { font-size: clamp(34px, 9vw, 42px); }
    .hero-sub { font-size: 16px; max-width: 100%; }
    .hero-actions {
        flex-direction: column;
        align-items: stretch;
        gap: 10px;
        margin-bottom: 32px;
    }
    .hero-actions .primary-btn,
    .hero-actions .ghost-btn {
        width: 100%;
        justify-content: center;
        min-height: 48px;
    }
    .hero-stats {
        gap: 12px 20px;
        flex-wrap: wrap;
        padding-top: 24px;
    }
    .stat-divider { display: none; }
    .stat-num { font-size: 28px; }
    .floating-pill { display: none; }
    .scroll-cue { display: none; }
    .hero-card { padding: 24px; }
    .service-grid { grid-template-columns: 1fr; }
    .news-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr; gap: 32px; }
    .footer-newsletter { max-width: 100%; }
    .footer-bottom {
        grid-template-columns: 1fr;
        text-align: center;
        gap: 12px;
    }
    .footer-links {
        justify-content: center;
        flex-wrap: wrap;
        gap: 12px 16px;
    }
    .ribbon-rates { grid-template-columns: 1fr; }
    .ribbon .primary-btn { width: 100%; justify-content: center; }
    .feature-grid { grid-template-columns: 1fr; }
    .form-row { grid-template-columns: 1fr; }
    .section { padding: 70px 0; }
    .timeline { grid-template-columns: 1fr; }
    .apply-card { padding: 30px 24px; }
    .about-card { padding: 28px; }
    .about-card-head { flex-direction: column; }
    .about-avatar { width: 64px; height: 64px; }
    .section-head { margin-bottom: 40px; }
    .section-title { font-size: clamp(28px, 7vw, 40px); }
    .t-card { flex: 0 0 min(320px, 85vw); }
    .testimonial-track { margin: 0 -20px; padding: 0 20px; }
    .ribbon { padding: 20px; gap: 16px; }
    .calc-wrap { padding: 24px 18px; }
    .input-wrap input { font-size: 16px; }
    .seg { grid-template-columns: 1fr; }
    .seg-btn { min-height: 44px; }
    .result-insights { grid-template-columns: 1fr; }
    .result-card { padding: 24px; }
    .result-amount { font-size: clamp(36px, 10vw, 48px); }
    .result-amount .dollar { font-size: 26px; }
    .result-breakdown { grid-template-columns: 1fr; gap: 12px; }
    .check-list.inline { gap: 12px; flex-direction: column; }
    .check-list.inline li { font-size: 13px; }
    .rating-summary { padding: 18px 22px; flex-direction: column; text-align: center; }
    .big-rating { font-size: 48px; }
    .brand-sub { display: none; }
    .rates-ribbon { margin-top: -20px; }
    .back-top {
        right: max(16px, env(safe-area-inset-right));
        bottom: max(16px, env(safe-area-inset-bottom));
    }
    .primary-btn, .ghost-btn { min-height: 44px; }
}

/* Small phone */
@media (max-width: 380px) {
    .brand-mark { width: 36px; height: 36px; font-size: 15px; }
    .brand-name { font-size: 15px; }
    .hero-stats { justify-content: space-between; }
    .stat { flex: 1 1 40%; min-width: 120px; }
}

/* Reduce motion */
@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after {
        animation-duration: 0.01ms !important;
        transition-duration: 0.01ms !important;
    }
    .section-break-line::after,
    .section-break-center::before,
    .section-break-center::after {
        animation: none !important;
    }
    .section-break-line::after {
        left: 50%;
        transform: translateX(-50%);
        opacity: 0.6;
        width: 24%;
    }
}