@layer reset, base, theme, components, utilities;

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

  html {
    scroll-behavior: smooth;
    font-size: 16px;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
  }

  body {
    overflow-x: hidden;
  }

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

  button, input, select, textarea {
    font: inherit;
    color: inherit;
    background: none;
    border: none;
  }
  
  a {
    text-decoration: none;
    color: inherit;
  }
}

@layer theme {
  :root {
    /* Fonts - Editorial serif + clean sans-serif */
    --font-heading: 'Playfair Display', Georgia, serif;
    --font-body: 'Inter', system-ui, -apple-system, sans-serif;

    /* Light Editorial Palette */
    --color-bg-primary: #fcfbf9;     /* Off-white soft silk */
    --color-bg-secondary: #f6f5f0;   /* Light warm sand cream */
    --color-bg-tertiary: #edf1f4;    /* Elegant steel ice blue */
    
    --color-text-primary: #111827;   /* Pure deep obsidian/slate */
    --color-text-secondary: #374151; /* Charcoal warm grey */
    --color-text-muted: #6b7280;     /* Muted slate silver */
    
    --color-primary: #b8985c;        /* Editorial champagne gold */
    --color-primary-hover: #9c7f46;  /* Sand gold deep */
    --color-primary-dark: #7e6331;
    --color-primary-glow: rgba(184, 152, 92, 0.08);
    
    --color-accent: #4a6b82;         /* Architectural steel blue */
    --color-accent-hover: #365063;
    
    --glass-bg: rgba(255, 255, 255, 0.85);
    --glass-border: rgba(184, 152, 92, 0.15);
    
    /* Tactile Multi-Layered Shadows for Organic Depth */
    --shadow-soft: 0 10px 30px rgba(74, 107, 130, 0.04), 0 1px 3px rgba(0, 0, 0, 0.02);
    --shadow-medium: 0 20px 40px rgba(74, 107, 130, 0.06), 0 1px 8px rgba(0, 0, 0, 0.03);
    --shadow-glow: 0 0 25px rgba(184, 152, 92, 0.12);
    
    /* Layout Tokens */
    --max-width: 1200px;
    --header-height: 85px;
    
    --radius-sm: 4px;   /* Sharp, architectural editorial corners */
    --radius-md: 10px;
    --radius-lg: 18px;
    --radius-pill: 9999px;
    
    /* Transitions */
    --transition-fast: 0.15s cubic-bezier(0.16, 1, 0.3, 1);
    --transition-normal: 0.35s cubic-bezier(0.16, 1, 0.3, 1);
    --transition-slow: 0.6s cubic-bezier(0.16, 1, 0.3, 1);
    
    color-scheme: light;
  }
}

@layer base {
  body {
    background-color: var(--color-bg-primary);
    color: var(--color-text-primary);
    font-family: var(--font-body);
    font-size: 1rem;
    line-height: 1.65;
  }

  h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-heading);
    font-weight: 600;
    line-height: 1.25;
    color: var(--color-text-primary);
    text-wrap: balance;
  }

  p {
    text-wrap: pretty;
    color: var(--color-text-secondary);
  }

  /* Premium Custom Dotted Grid Blueprint Background */
  .section, .hero-section {
    background-image: radial-gradient(rgba(74, 107, 130, 0.07) 1.5px, transparent 1.5px);
    background-size: 28px 28px;
  }

  /* Custom Editorial Scrollbar */
  ::-webkit-scrollbar {
    width: 8px;
    height: 8px;
  }

  ::-webkit-scrollbar-track {
    background: var(--color-bg-primary);
  }

  ::-webkit-scrollbar-thumb {
    background: var(--color-accent);
    border: 2px solid var(--color-bg-primary);
    border-radius: var(--radius-pill);
    transition: background var(--transition-fast);
  }

  ::-webkit-scrollbar-thumb:hover {
    background: var(--color-primary);
  }

  /* Focus Indicator Accessibility (Sand Gold Offset) */
  *:focus-visible {
    outline: 2px solid var(--color-primary);
    outline-offset: 4px;
  }
}

@layer components {
  /* Header & Navigation (frosted glass) */
  .site-header {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: var(--header-height);
    background: rgba(252, 251, 249, 0.85);
    backdrop-filter: blur(20px);
    border-bottom: 1px solid rgba(74, 107, 130, 0.08);
    z-index: 1000;
    display: flex;
    align-items: center;
    transition: var(--transition-normal);
  }

  .site-header.scrolled {
    height: 70px;
    background: rgba(252, 251, 249, 0.95);
    box-shadow: 0 4px 30px rgba(74, 107, 130, 0.03);
  }

  .header-container {
    width: 100%;
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 2.5rem;
    display: flex;
    align-items: center;
    justify-content: space-between;
  }

  .brand-logo {
    display: flex;
    align-items: center;
    line-height: 1;
  }

  .brand-logo .brand-title {
    font-family: var(--font-heading);
    font-size: 1.6rem;
    font-weight: 700;
    color: var(--color-text-primary);
    letter-spacing: 1.5px;
    position: relative;
    padding-bottom: 2px;
  }

  /* Thin premium accent slash/line for Logo Wordmark */
  .brand-logo .brand-title::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 25px;
    height: 2px;
    background-color: var(--color-primary);
  }

  .nav-menu {
    display: flex;
    align-items: center;
    gap: 3.5rem; /* Generous breathing room gap */
    list-style: none;
  }

  .nav-link {
    font-size: 0.75rem; /* Spacious premium small text */
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1.8px; /* High-end tracking */
    color: var(--color-text-secondary);
    transition: var(--transition-fast);
    padding: 0.5rem 0;
    position: relative;
  }

  .nav-link::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 100%;
    height: 2px;
    background-color: var(--color-primary);
    transform: scaleX(0);
    transform-origin: right;
    transition: transform var(--transition-normal);
  }

  .nav-link:hover::after,
  .nav-link.active::after {
    transform: scaleX(1);
    transform-origin: left;
  }

  .nav-link:hover,
  .nav-link.active {
    color: var(--color-text-primary);
  }

  .header-cta-group {
    display: flex;
    align-items: center;
    padding-left: 1.5rem;
    border-left: 1px solid rgba(74, 107, 130, 0.08); /* Separator line for CTAs */
  }

  /* Sharp, Premium Buttons */
  .btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 0.75rem 1.75rem;
    border-radius: var(--radius-sm);
    font-weight: 700;
    font-size: 0.8rem;
    text-transform: uppercase;
    letter-spacing: 1px;
    transition: var(--transition-normal);
    cursor: pointer;
  }

  .btn-primary {
    background-color: var(--color-primary);
    color: #ffffff;
    box-shadow: 0 4px 14px var(--color-primary-glow);
  }

  .btn-primary:hover {
    background-color: var(--color-primary-hover);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(184, 152, 92, 0.2);
  }

  .btn-secondary {
    background-color: transparent;
    color: var(--color-text-primary);
    border: 1px solid rgba(184, 152, 92, 0.5);
  }

  .btn-secondary:hover {
    background-color: var(--color-bg-secondary);
    border-color: var(--color-primary);
    color: var(--color-primary-hover);
    transform: translateY(-2px);
  }

  .btn-accent {
    background-color: var(--color-bg-secondary);
    color: var(--color-accent);
    border: 1px solid rgba(74, 107, 130, 0.2);
  }

  .btn-accent:hover {
    background-color: var(--color-accent);
    color: #ffffff;
    transform: translateY(-2px);
  }

  /* Hamburger Menu (Mobile) */
  .menu-toggle {
    display: none;
    flex-direction: column;
    gap: 6px;
    cursor: pointer;
    z-index: 1001;
  }

  .menu-toggle span {
    width: 26px;
    height: 2px;
    background-color: var(--color-text-primary);
    border-radius: 2px;
    transition: var(--transition-normal);
  }

  /* Hero Section (Overlapping & Asymmetric) */
  .hero-section {
    padding-top: calc(var(--header-height) + 3rem);
    padding-bottom: 7rem;
    min-height: 95vh;
    display: flex;
    align-items: center;
    position: relative;
    background-color: var(--color-bg-primary);
    overflow: hidden;
  }

  .hero-container {
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 2.5rem;
    display: grid;
    grid-template-columns: 1.15fr 0.85fr;
    gap: 5rem;
    align-items: center;
    z-index: 1;
    position: relative;
  }

  .hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.4rem 1rem;
    background: #ffffff;
    border: 1px solid rgba(184, 152, 92, 0.3);
    border-radius: var(--radius-pill);
    font-size: 0.7rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: var(--color-primary-hover);
    margin-bottom: 1.5rem;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.02);
  }

  .hero-title {
    font-size: clamp(2.3rem, 1.3rem + 3.8vw, 4rem);
    line-height: 1.15;
    margin-bottom: 1.5rem;
    font-weight: 700;
    letter-spacing: -0.5px;
  }

  .hero-title span {
    color: var(--color-accent);
    font-style: italic;
    font-family: var(--font-heading);
    font-weight: 400;
  }

  .hero-description {
    font-size: 1.1rem;
    margin-bottom: 2.5rem;
    max-width: 550px;
    color: var(--color-text-secondary);
  }

  .hero-cta-row {
    display: flex;
    flex-wrap: wrap;
    gap: 1.5rem;
    margin-bottom: 3.5rem;
  }

  .hero-trust {
    display: flex;
    align-items: center;
    gap: 3rem;
    border-top: 1px solid rgba(74, 107, 130, 0.08);
    padding-top: 2rem;
  }

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

  .trust-val {
    font-family: var(--font-heading);
    font-size: 1.9rem;
    font-weight: 600;
    color: var(--color-primary);
  }

  .trust-lbl {
    font-size: 0.7rem;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: var(--color-text-muted);
    font-weight: 600;
  }

  /* Asymmetric Visual Breakout */
  .hero-visual {
    position: relative;
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: flex-end;
  }

  /* Elegant double layered outline frame */
  .hero-visual::before {
    content: '';
    position: absolute;
    top: 5%;
    left: 5%;
    width: 85%;
    height: 90%;
    border: 1px solid var(--color-primary);
    border-radius: var(--radius-md);
    z-index: 0;
    pointer-events: none;
    transform: rotate(-1.5deg);
  }

  .hero-img-wrapper {
    position: relative;
    width: 90%;
    aspect-ratio: 0.95;
    border-radius: var(--radius-md);
    overflow: hidden;
    z-index: 1;
    border: 1px solid rgba(74, 107, 130, 0.1);
    box-shadow: var(--shadow-medium);
  }

  .hero-img-wrapper img {
    width: 100%;
    height: 100%;
    object-fit: cover;
  }

  /* Floating Info Card (Hero Overlap) */
  .floating-card {
    position: absolute;
    bottom: 8%;
    left: -10%;
    background: #ffffff;
    border: 1px solid rgba(184, 152, 92, 0.25);
    box-shadow: 0 15px 35px rgba(74, 107, 130, 0.08);
    border-radius: var(--radius-sm);
    padding: 1.2rem 1.5rem;
    display: flex;
    align-items: center;
    gap: 1rem;
    z-index: 2;
    animation: float 4s ease-in-out infinite alternate;
  }

  @keyframes float {
    0% { transform: translateY(0px) rotate(-0.5deg); }
    100% { transform: translateY(-8px) rotate(0.5deg); }
  }

  .floating-icon {
    width: 36px;
    height: 36px;
    background: var(--color-primary);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #ffffff;
    font-size: 1rem;
  }

  .floating-content {
    display: flex;
    flex-direction: column;
  }

  .floating-title {
    font-size: 0.9rem;
    font-weight: 700;
    color: var(--color-text-primary);
  }

  .floating-subtitle {
    font-size: 0.75rem;
    color: var(--color-text-muted);
  }

  /* Section Layout */
  .section {
    padding: 9rem 2.5rem;
    position: relative;
    background-color: var(--color-bg-primary);
  }

  .section-container {
    max-width: var(--max-width);
    margin: 0 auto;
  }

  .section-header {
    text-align: center;
    margin-bottom: 3rem;
    max-width: 720px;
    margin-left: auto;
    margin-right: auto;
  }

  .section-subtitle {
    font-size: 0.75rem;
    text-transform: uppercase;
    letter-spacing: 2px;
    color: var(--color-accent);
    margin-bottom: 1rem;
    font-weight: 700;
    display: block;
  }

  .section-title {
    font-size: clamp(2rem, 1.2rem + 2.5vw, 2.8rem);
    margin-bottom: 1.5rem;
    font-weight: 600;
  }

  /* Three Column Architectural Cards */
  .benefits-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 3rem;
  }

  .benefit-card {
    background: #ffffff;
    border: 1px solid rgba(184, 152, 92, 0.15);
    border-radius: var(--radius-sm);
    padding: 3.5rem 2.5rem;
    transition: var(--transition-normal);
    position: relative;
    box-shadow: var(--shadow-soft);
    overflow: hidden; /* Hide outer number overlaps */
  }

  .benefit-number {
    position: absolute;
    top: -1rem;
    right: 0.5rem;
    font-family: var(--font-heading);
    font-size: 5.5rem;
    font-weight: 700;
    font-style: italic;
    color: rgba(184, 152, 92, 0.06);
    line-height: 1;
    pointer-events: none;
    z-index: 0;
  }

  .benefit-card::before {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 100%;
    height: 3px;
    background-color: var(--color-primary);
    transform: scaleX(0);
    transform-origin: right;
    transition: transform var(--transition-normal);
    z-index: 1;
  }

  .benefit-card:hover {
    transform: translateY(-8px);
    border-color: var(--color-primary);
    box-shadow: var(--shadow-medium);
  }

  /* Desktop Staggered Cards to break visual row flatness */
  @media (min-width: 1025px) {
    .benefits-grid {
      padding: 2.5rem 0;
    }
    .benefits-grid .benefit-card:nth-child(1) { transform: translateY(-20px); }
    .benefits-grid .benefit-card:nth-child(2) { transform: translateY(0); }
    .benefits-grid .benefit-card:nth-child(3) { transform: translateY(20px); }
    
    .benefits-grid .benefit-card:nth-child(1):hover { transform: translateY(-30px); }
    .benefits-grid .benefit-card:nth-child(2):hover { transform: translateY(-10px); }
    .benefits-grid .benefit-card:nth-child(3):hover { transform: translateY(10px); }
  }

  .benefit-card:hover::before {
    transform: scaleX(1);
    transform-origin: left;
  }

  .benefit-icon {
    font-size: 2.2rem;
    color: var(--color-primary);
    margin-bottom: 2rem;
    display: inline-block;
    position: relative;
    z-index: 1;
  }

  .benefit-card-title {
    font-size: 1.3rem;
    margin-bottom: 1rem;
    font-weight: 600;
    position: relative;
    z-index: 1;
  }

  /* Loan Products Grid */
  .products-grid {
    display: grid;
    grid-template-columns: repeat(12, 1fr);
    gap: 3rem;
  }

  .product-card {
    background: #ffffff;
    border: 1px solid rgba(184, 152, 92, 0.15);
    border-radius: var(--radius-sm);
    padding: 3rem;
    transition: var(--transition-normal);
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    box-shadow: var(--shadow-soft);
  }

  /* Visual Prominence Tiers */
  .product-card.conventional {
    grid-column: span 12;
    background: linear-gradient(135deg, #ffffff 0%, var(--color-bg-secondary) 100%);
    border: 1px solid rgba(184, 152, 92, 0.35);
    position: relative;
  }

  /* Elegant editorial flag */
  .product-card.conventional::after {
    content: 'Recommended';
    position: absolute;
    top: 0;
    right: 2.5rem;
    background: var(--color-primary);
    color: #ffffff;
    font-size: 0.65rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    padding: 0.5rem 1rem;
    border-bottom-left-radius: var(--radius-sm);
    border-bottom-right-radius: var(--radius-sm);
  }

  .product-card.fha,
  .product-card.heloc,
  .product-card.va {
    grid-column: span 6;
  }

  /* Specialized program highlight */
  .product-card.non-qm {
    grid-column: span 6;
    border: 1px dashed var(--color-primary);
    background: rgba(184, 152, 92, 0.02);
  }

  .product-card.conventional .product-header {
    display: grid;
    grid-template-columns: 1.25fr 0.75fr;
    gap: 3rem;
    margin-bottom: 2rem;
  }

  .product-card:hover {
    border-color: var(--color-primary);
    box-shadow: var(--shadow-medium), var(--shadow-glow);
    transform: translateY(-5px);
  }

  .product-target {
    font-size: 0.75rem;
    color: var(--color-accent);
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 1rem;
    display: block;
  }

  .product-title {
    font-size: 1.6rem;
    margin-bottom: 0.75rem;
    font-weight: 600;
  }
  
  .product-card.conventional .product-title {
    font-size: 2.1rem;
  }

  .product-desc {
    margin-bottom: 2rem;
    color: var(--color-text-secondary);
  }

  .product-meta {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
    padding: 1.5rem 0;
    border-top: 1px solid rgba(74, 107, 130, 0.08);
    border-bottom: 1px solid rgba(74, 107, 130, 0.08);
    margin-bottom: 2rem;
  }

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

  .meta-lbl {
    font-size: 0.7rem;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: var(--color-text-muted);
    font-weight: 600;
  }

  .meta-val {
    font-size: 1rem;
    font-weight: 700;
    color: var(--color-text-primary);
  }

  .product-cta-btn {
    align-self: flex-start;
  }

  /* Compare Savings Section */
  .savings-section {
    background-color: var(--color-bg-secondary);
    border-top: 1px solid rgba(74, 107, 130, 0.06);
    border-bottom: 1px solid rgba(74, 107, 130, 0.06);
  }

  .savings-container {
    max-width: var(--max-width);
    margin: 0 auto;
    display: grid;
    grid-template-columns: 0.95fr 1.05fr;
    gap: 5rem;
    align-items: center;
  }

  .savings-info .section-header {
    text-align: left;
    margin-bottom: 2.5rem;
  }

  .savings-calculator {
    background: #ffffff;
    border: 1px solid rgba(184, 152, 92, 0.2);
    border-radius: var(--radius-sm);
    padding: 3.5rem;
    box-shadow: var(--shadow-medium);
  }

  .calc-form {
    display: flex;
    flex-direction: column;
    gap: 2rem;
  }

  .form-group {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
  }

  .form-label {
    font-size: 0.8rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    color: var(--color-accent);
  }

  .range-container {
    display: flex;
    align-items: center;
    gap: 1.5rem;
  }

  .range-slider {
    flex-grow: 1;
    accent-color: var(--color-primary);
    height: 4px;
    border-radius: var(--radius-pill);
    background: var(--color-bg-tertiary);
    cursor: pointer;
  }

  .calc-input-box {
    width: 140px;
    background: var(--color-bg-primary);
    border: 1px solid rgba(74, 107, 130, 0.15);
    border-radius: var(--radius-sm);
    padding: 0.5rem 1rem;
    font-size: 1.05rem;
    font-weight: 700;
    text-align: right;
    color: var(--color-text-primary);
    transition: var(--transition-fast);
  }

  .calc-input-box:focus {
    outline: none;
    border-color: var(--color-primary);
  }

  /* Calculator Savings Box */
  .calc-results {
    background: var(--color-bg-secondary);
    border: 1px solid rgba(184, 152, 92, 0.15);
    border-radius: var(--radius-sm);
    padding: 2.5rem 2rem;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
    margin-top: 1rem;
  }

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

  .result-val {
    font-size: 2.1rem;
    font-weight: 600;
    color: var(--color-text-primary);
    font-family: var(--font-heading);
    line-height: 1.1;
    margin-bottom: 0.25rem;
  }

  .result-val.savings {
    color: var(--color-primary);
  }

  .result-lbl {
    font-size: 0.7rem;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: var(--color-text-muted);
    font-weight: 600;
  }

  /* Profile Overlapping (Meet Andrew) */
  .profile-container {
    max-width: var(--max-width);
    margin: 0 auto;
    display: grid;
    grid-template-columns: 0.9fr 1.1fr;
    gap: 5rem;
    align-items: center;
  }

  .profile-visual {
    position: relative;
    border-radius: var(--radius-sm);
    overflow: visible; /* support border breakout */
    aspect-ratio: 0.95;
  }

  .profile-visual::before {
    content: '';
    position: absolute;
    top: -5%;
    left: -5%;
    width: 95%;
    height: 95%;
    border: 1px solid var(--color-primary);
    z-index: 0;
  }

  .profile-visual img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    border-radius: var(--radius-sm);
    border: 1px solid rgba(74, 107, 130, 0.08);
    position: relative;
    z-index: 1;
    box-shadow: var(--shadow-medium);
  }

  .profile-badge {
    position: absolute;
    bottom: -1.5rem;
    right: 2rem;
    background: #ffffff;
    border: 1px solid rgba(184, 152, 92, 0.25);
    padding: 1rem 1.75rem;
    border-radius: var(--radius-sm);
    display: flex;
    flex-direction: column;
    z-index: 2;
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.05);
  }

  .profile-badge-title {
    font-size: 1rem;
    font-weight: 700;
    color: var(--color-text-primary);
  }

  .profile-badge-sub {
    font-size: 0.7rem;
    color: var(--color-primary);
    text-transform: uppercase;
    letter-spacing: 1px;
    font-weight: 600;
  }

  .profile-info {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
  }

  .profile-title {
    font-size: 2.8rem;
    font-weight: 700;
  }

  .profile-credentials {
    font-size: 0.85rem;
    color: var(--color-text-secondary);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 1px;
    display: flex;
    align-items: center;
    gap: 1.25rem;
  }

  .nmls-badge-link {
    background: var(--color-bg-secondary);
    border: 1px solid rgba(184, 152, 92, 0.35);
    color: var(--color-primary-hover);
    padding: 0.3rem 1rem;
    font-size: 0.7rem;
    font-weight: 700;
    border-radius: var(--radius-pill);
    transition: var(--transition-fast);
  }

  .nmls-badge-link:hover {
    background: var(--color-primary);
    color: #ffffff;
  }

  .profile-bio {
    font-size: 1.05rem;
    line-height: 1.75;
    color: var(--color-text-secondary);
  }

  .profile-highlights {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
    margin-top: 1rem;
    margin-bottom: 1rem;
  }

  .highlight-item {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
  }

  .highlight-icon {
    color: var(--color-primary);
    font-size: 1.1rem;
    margin-top: 0.1rem;
  }

  .highlight-text {
    font-weight: 600;
    font-size: 0.9rem;
    color: var(--color-text-secondary);
  }

  .profile-contact-list {
    display: flex;
    flex-wrap: wrap;
    gap: 2rem;
    margin-top: 1.5rem;
    border-top: 1px solid rgba(74, 107, 130, 0.08);
    padding-top: 1.5rem;
  }

  .contact-link-item {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-weight: 700;
    font-size: 0.9rem;
    color: var(--color-text-primary);
    transition: var(--transition-fast);
  }

  .contact-link-item:hover {
    color: var(--color-primary);
  }

  .contact-link-item svg {
    width: 16px;
    height: 16px;
    fill: var(--color-primary);
  }

  /* Testimonials Paper Slider */
  .testimonials-section {
    background-color: var(--color-bg-primary);
    overflow: hidden;
  }

  .slider-wrapper {
    position: relative;
    max-width: 850px;
    margin: 0 auto;
    padding: 0 1rem;
  }

  .testimonial-scroller {
    display: flex;
    overflow-x: auto;
    scroll-snap-type: x mandatory;
    scrollbar-width: none;
    -webkit-overflow-scrolling: touch;
    gap: 2.5rem;
    padding: 2rem 0;
  }

  .testimonial-scroller::-webkit-scrollbar {
    display: none;
  }

  .testimonial-card {
    flex: 0 0 100%;
    scroll-snap-align: center;
    border-radius: var(--radius-sm);
    background: #ffffff;
    border: 1px solid rgba(184, 152, 92, 0.15);
    padding: 4rem;
    transition: var(--transition-normal);
    position: relative;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    box-shadow: var(--shadow-medium);
  }

  .testimonial-card::after {
    content: '“';
    position: absolute;
    top: 0.5rem;
    right: 3rem;
    font-size: 7.5rem;
    font-family: var(--font-heading);
    color: rgba(184, 152, 92, 0.06);
    line-height: 1;
    pointer-events: none;
  }

  .review-rating {
    display: flex;
    gap: 0.25rem;
    color: var(--color-primary);
    margin-bottom: 1.5rem;
    font-size: 1.1rem;
  }

  .review-text {
    font-family: var(--font-heading);
    font-size: 1.45rem;
    line-height: 1.6;
    color: var(--color-text-primary);
    margin-bottom: 2.5rem;
    font-style: italic;
    font-weight: 500;
  }

  .review-author {
    display: flex;
    justify-content: space-between;
    align-items: center;
    border-top: 1px solid rgba(74, 107, 130, 0.08);
    padding-top: 1.5rem;
  }

  .author-info {
    display: flex;
    flex-direction: column;
  }

  .author-name {
    font-weight: 700;
    font-size: 1.1rem;
    color: var(--color-text-primary);
  }

  .author-location {
    font-size: 0.8rem;
    color: var(--color-text-muted);
  }

  .review-strength {
    background: var(--color-bg-secondary);
    border: 1px solid rgba(184, 152, 92, 0.2);
    color: var(--color-primary-dark);
    font-size: 0.7rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    padding: 0.4rem 0.9rem;
    border-radius: var(--radius-pill);
  }

  /* Slider Controls */
  .slider-controls {
    display: flex;
    justify-content: center;
    gap: 1.5rem;
    margin-top: 2rem;
  }

  .slider-btn {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    border: 1px solid rgba(74, 107, 130, 0.15);
    background: #ffffff;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-text-primary);
    cursor: pointer;
    transition: var(--transition-fast);
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.02);
  }

  .slider-btn:hover {
    border-color: var(--color-primary);
    color: var(--color-primary);
    transform: scale(1.05);
    box-shadow: 0 4px 12px rgba(184, 152, 92, 0.1);
  }

  .slider-btn svg {
    width: 18px;
    height: 18px;
    fill: currentColor;
  }

  .slider-dots {
    display: flex;
    justify-content: center;
    gap: 0.75rem;
    margin-top: 2rem;
  }

  .dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: var(--color-bg-tertiary);
    cursor: pointer;
    transition: var(--transition-fast);
  }

  .dot.active {
    background: var(--color-primary);
    transform: scale(1.2);
  }

  /* Testimonial scale parallax natively */
  @supports ((animation-timeline: view()) and (animation-range: entry)) {
    @keyframes testimonialScale {
      0% {
        opacity: 0.5;
        transform: scale(0.97) translateY(5px);
      }
      50% {
        opacity: 1;
        transform: scale(1) translateY(0);
      }
      100% {
        opacity: 0.5;
        transform: scale(0.97) translateY(5px);
      }
    }

    .testimonial-card {
      animation: testimonialScale auto linear both;
      animation-timeline: view(inline);
      animation-range: cover 0% cover 100%;
    }
  }

  /* Real Estate Professionals (Warm grid container) */
  .brokers-section {
    background-color: var(--color-bg-secondary);
    border-top: 1px solid rgba(74, 107, 130, 0.06);
  }

  .brokers-container {
    max-width: var(--max-width);
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1.15fr 0.85fr;
    gap: 5rem;
    align-items: center;
  }

  .brokers-features {
    display: flex;
    flex-direction: column;
    gap: 2rem;
  }

  .broker-feat-card {
    display: flex;
    gap: 1.5rem;
    background: #ffffff;
    border: 1px solid rgba(184, 152, 92, 0.15);
    border-radius: var(--radius-sm);
    padding: 2.2rem;
    transition: var(--transition-normal);
    box-shadow: var(--shadow-soft);
  }

  .broker-feat-card:hover {
    border-color: var(--color-primary);
    transform: translateX(5px);
  }

  .broker-feat-icon {
    font-size: 1.8rem;
    color: var(--color-primary);
  }

  .broker-feat-title {
    font-size: 1.1rem;
    margin-bottom: 0.5rem;
    font-weight: 600;
  }

  .brokers-form-wrapper {
    background: #ffffff;
    border: 1px solid rgba(184, 152, 92, 0.25);
    border-radius: var(--radius-sm);
    padding: 3.5rem;
    box-shadow: var(--shadow-medium);
  }

  .form-title {
    font-size: 1.7rem;
    margin-bottom: 0.5rem;
    text-align: center;
    font-weight: 600;
  }

  .form-sub {
    font-size: 0.85rem;
    color: var(--color-text-muted);
    text-align: center;
    margin-bottom: 2.5rem;
  }

  /* FAQ Accordion (Intrinsically sized triggers) */
  .faq-container {
    max-width: 800px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
  }

  .faq-item {
    border: 1px solid rgba(74, 107, 130, 0.08);
    background: #ffffff;
    border-radius: var(--radius-sm);
    overflow: hidden;
    transition: var(--transition-normal);
    box-shadow: var(--shadow-soft);
  }

  .faq-trigger {
    width: 100%;
    padding: 1.6rem 2.2rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
    cursor: pointer;
    font-size: 1.05rem;
    font-weight: 600;
    text-align: left;
    transition: var(--transition-fast);
  }

  .faq-trigger:hover {
    color: var(--color-primary-hover);
    background: var(--color-bg-secondary);
  }

  .faq-icon-shape {
    position: relative;
    width: 14px;
    height: 14px;
    flex-shrink: 0;
  }

  .faq-icon-shape::before,
  .faq-icon-shape::after {
    content: '';
    position: absolute;
    background-color: var(--color-text-primary);
    transition: transform var(--transition-normal);
  }

  .faq-icon-shape::before {
    top: 6px;
    left: 0;
    width: 100%;
    height: 2px;
  }

  .faq-icon-shape::after {
    top: 0;
    left: 6px;
    width: 2px;
    height: 100%;
  }

  .faq-item.active {
    border-color: var(--color-primary);
  }

  .faq-item.active .faq-icon-shape::after {
    transform: rotate(90deg);
    opacity: 0;
  }

  .faq-item.active .faq-trigger {
    color: var(--color-primary-dark);
    background: var(--color-bg-secondary);
  }

  .faq-content {
    max-height: 0;
    overflow: hidden;
    transition: max-height var(--transition-normal) ease-in-out;
  }

  .faq-content-inner {
    padding: 0 2.2rem 2.2rem;
    font-size: 0.95rem;
    color: var(--color-text-secondary);
    border-top: 1px dashed rgba(74, 107, 130, 0.08);
    padding-top: 1.5rem;
    background: var(--color-bg-secondary);
  }

  /* Footer Section (Rich Authority Slate/Charcoal) */
  .site-footer {
    background-color: #111827;
    border-top: 1px solid rgba(184, 152, 92, 0.2);
    padding: 6.5rem 2.5rem 2.5rem;
    color: #f9fafb;
  }

  .site-footer h2,
  .site-footer h3,
  .site-footer h4,
  .site-footer p {
    color: #f3f4f6;
  }

  .site-footer p {
    color: #9ca3af;
  }

  .footer-container {
    max-width: var(--max-width);
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1.25fr 0.75fr 1fr;
    gap: 5rem;
    margin-bottom: 4.5rem;
  }

  .footer-brand {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
  }

  .footer-brand .brand-logo {
    align-self: flex-start;
  }

  .footer-brand .brand-title {
    color: #ffffff;
  }

  .footer-tagline {
    font-size: 0.9rem;
    color: #9ca3af;
    max-width: 320px;
    line-height: 1.6;
  }

  .compliance-small {
    font-size: 0.7rem;
    color: #6b7280;
    line-height: 1.7;
  }

  .footer-links-col {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
  }

  .footer-col-title {
    font-size: 0.8rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    color: var(--color-primary);
  }

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

  .footer-link {
    font-size: 0.85rem;
    color: #9ca3af;
    transition: var(--transition-fast);
  }

  .footer-link:hover {
    color: var(--color-primary);
  }

  .footer-contact-info {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
  }

  .footer-contact-details {
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
    font-size: 0.85rem;
  }

  .footer-contact-line {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
    color: #9ca3af;
  }

  .footer-contact-line a {
    color: #f3f4f6;
    transition: var(--transition-fast);
  }

  .footer-contact-line a:hover {
    color: var(--color-primary);
  }

  .footer-contact-line svg {
    width: 16px;
    height: 16px;
    fill: var(--color-primary);
    margin-top: 0.2rem;
    flex-shrink: 0;
  }

  .footer-bottom {
    max-width: var(--max-width);
    margin: 0 auto;
    border-top: 1px solid #1f2937;
    padding-top: 2rem;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 1.5rem;
  }

  .compliance-badges {
    display: flex;
    gap: 2.5rem;
    align-items: center;
    flex-wrap: wrap;
    justify-content: center;
  }

  .badge-item {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-size: 0.7rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.5px;
  }

  .house-svg {
    width: 18px;
    height: 18px;
    fill: currentColor;
  }

  .footer-copyright {
    font-size: 0.7rem;
    color: #4b5563;
    text-align: center;
  }

  /* Modals/Dialog Styling */
  dialog {
    border: 1px solid rgba(184, 152, 92, 0.3);
    border-radius: var(--radius-sm);
    background: #ffffff;
    color: var(--color-text-primary);
    padding: 3.5rem;
    max-width: 540px;
    width: 90%;
    margin: auto;
    box-shadow: 0 25px 60px rgba(74, 107, 130, 0.12);
    position: fixed;
    inset: 0;
    z-index: 1100;
  }

  dialog::backdrop {
    background: rgba(17, 24, 39, 0.4);
    backdrop-filter: blur(8px);
  }

  .modal-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    margin-bottom: 2rem;
  }

  .modal-title {
    font-size: 1.7rem;
    font-weight: 600;
  }

  .close-modal-btn {
    cursor: pointer;
    color: var(--color-text-muted);
    transition: var(--transition-fast);
    padding: 0.25rem;
  }

  .close-modal-btn:hover {
    color: var(--color-primary);
  }

  .close-modal-btn svg {
    width: 20px;
    height: 20px;
    fill: currentColor;
  }

  /* Architectural Form Controls */
  .premium-input {
    width: 100%;
    background: var(--color-bg-primary);
    border: 1px solid rgba(74, 107, 130, 0.15);
    border-radius: var(--radius-sm);
    padding: 0.85rem 1.2rem;
    font-size: 0.9rem;
    color: var(--color-text-primary);
    transition: var(--transition-normal);
  }

  .premium-input:focus {
    outline: none;
    border-color: var(--color-primary);
    background: #ffffff;
    box-shadow: 0 0 10px rgba(184, 152, 92, 0.1);
  }

  select.premium-input {
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='%23b8985c'%3E%3Cpath d='M7 10l5 5 5-5z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 1.2rem center;
    background-size: 1.5rem;
    padding-right: 3rem;
  }

  .premium-textarea {
    min-height: 120px;
    resize: vertical;
  }

  .checkbox-group {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    cursor: pointer;
  }

  .checkbox-group input {
    accent-color: var(--color-primary);
    width: 16px;
    height: 16px;
    cursor: pointer;
  }

  .checkbox-label {
    font-size: 0.8rem;
    color: var(--color-text-secondary);
  }
}

/* Utilities Layer */
@layer utilities {
  .text-primary-color { color: var(--color-primary); }
  .text-gradient {
    background: linear-gradient(135deg, var(--color-primary-hover), var(--color-primary));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
  }
  
  .flex-center {
    display: flex;
    align-items: center;
    justify-content: center;
  }

  .d-grid { display: grid; }
  .gap-2 { gap: 2rem; }

  /* Smooth reveal classes */
  .fade-in {
    opacity: 0;
    transform: translateY(20px);
    transition: opacity var(--transition-slow), transform var(--transition-slow);
  }

  .fade-in.visible {
    opacity: 1;
    transform: translateY(0);
  }
}

/* Responsive Overrides */
@media (max-width: 1024px) {
  .hero-container,
  .savings-container,
  .profile-container,
  .brokers-container {
    grid-template-columns: 1fr;
    gap: 4.5rem;
  }

  .hero-container {
    text-align: center;
  }

  .hero-badge,
  .hero-description,
  .hero-cta-row,
  .hero-trust {
    margin-left: auto;
    margin-right: auto;
    justify-content: center;
  }

  .hero-visual {
    max-width: 480px;
    margin: 0 auto;
  }

  .floating-card {
    left: -5%;
  }

  .savings-info .section-header {
    text-align: center;
  }

  .footer-container {
    grid-template-columns: 1fr 1fr;
    gap: 3.5rem;
  }

  .footer-brand {
    grid-column: span 2;
  }
}

@media (max-width: 768px) {
  :root {
    --header-height: 75px;
  }

  .section {
    padding: 6rem 1.5rem;
  }

  .header-container {
    padding: 0 1.5rem;
  }

  .nav-menu {
    position: fixed;
    top: var(--header-height);
    left: 0;
    width: 100%;
    height: calc(100vh - var(--header-height));
    background: var(--color-bg-primary);
    flex-direction: column;
    padding: 4rem 2rem;
    gap: 2rem;
    transform: translateX(100%);
    transition: transform var(--transition-normal);
    border-top: 1px solid rgba(74, 107, 130, 0.08);
  }

  .nav-menu.open {
    transform: translateX(0);
  }

  .menu-toggle {
    display: flex;
  }

  /* Hamburger rotations when active */
  .menu-toggle.open span:nth-child(1) {
    transform: translateY(8px) rotate(45deg);
  }

  .menu-toggle.open span:nth-child(2) {
    opacity: 0;
  }

  .menu-toggle.open span:nth-child(3) {
    transform: translateY(-8px) rotate(-45deg);
  }

  .header-cta-group {
    display: none;
  }

  .product-card.fha,
  .product-card.heloc,
  .product-card.va,
  .product-card.non-qm {
    grid-column: span 12;
  }

  .product-card.conventional .product-header {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }

  .testimonial-card {
    padding: 3rem 2rem;
  }

  .review-text {
    font-size: 1.2rem;
  }

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

  .footer-brand {
    grid-column: span 1;
  }

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

  .broker-features-grid {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }
}

/* Broker Features Expansion & Wholesale Matrix Styling */
.broker-features-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 2rem;
  margin-bottom: 2.5rem;
}

.wholesale-rate-sheet-card {
  margin-top: 2.5rem;
  background: #ffffff;
  border: 1px solid rgba(184, 152, 92, 0.2);
  border-radius: var(--radius-sm);
  padding: 2rem;
  box-shadow: var(--shadow-soft);
  transition: var(--transition-normal);
}

.wholesale-rate-sheet-card:hover {
  border-color: rgba(184, 152, 92, 0.4);
  box-shadow: var(--shadow-medium);
}

.rate-sheet-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  border-bottom: 1px solid rgba(74, 107, 130, 0.08);
  padding-bottom: 1rem;
  margin-bottom: 1.5rem;
}

.rate-sheet-title {
  font-family: var(--font-heading);
  color: var(--color-text-primary);
  font-size: 1.1rem;
  font-weight: 600;
  letter-spacing: 0.5px;
}

.rate-sheet-badge {
  font-size: 0.65rem;
  background: rgba(184, 152, 92, 0.15);
  color: var(--color-primary-dark);
  font-weight: 700;
  padding: 0.3rem 0.75rem;
  border-radius: var(--radius-pill);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.rate-sheet-table {
  width: 100%;
  font-size: 0.85rem;
  border-collapse: collapse;
  text-align: left;
}

.rate-sheet-table th {
  padding: 0.75rem 0;
  border-bottom: 1px dashed rgba(74, 107, 130, 0.15);
  color: var(--color-text-muted);
  font-weight: 600;
  text-transform: uppercase;
  font-size: 0.7rem;
  letter-spacing: 0.5px;
}

.rate-sheet-table td {
  padding: 0.85rem 0;
  border-bottom: 1px solid rgba(74, 107, 130, 0.04);
  color: var(--color-text-secondary);
  font-weight: 500;
}

.rate-sheet-table tr:last-child td {
  border-bottom: none;
}

.rate-sheet-program {
  font-weight: 600;
  color: var(--color-text-primary);
}

/* Testimonials Grid & Desktop Breakouts Override */
@media (min-width: 1025px) {
  .slider-wrapper {
    max-width: 1200px;
    padding: 0;
  }

  .testimonial-scroller {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 3rem;
    overflow-x: visible;
    scroll-snap-type: none;
    padding: 2rem 0;
  }

  .testimonial-card {
    flex: none;
    scroll-snap-align: none;
    animation: none !important; /* Disable native scroll animations on desktop grid */
    transform: none !important;
    opacity: 1 !important;
  }

  #slide-3 {
    grid-column: 1 / -1;
    justify-self: center;
    max-width: 75%;
    width: 100%;
  }

  .slider-controls,
  .slider-dots {
    display: none !important;
  }
}

/* ACCESSIBILITY: SYSTEM FORCED HIGH CONTRAST MODE OVERRIDES */
@media (forced-colors: active) {
  .benefit-card,
  .product-card,
  .testimonial-card,
  .savings-calculator,
  .brokers-form-wrapper,
  .faq-item,
  dialog {
    border: 1px solid CanvasText !important;
  }

  .btn {
    border: 1px solid ButtonText !important;
    background-color: ButtonFace !important;
    color: ButtonText !important;
  }

  .btn:focus-visible {
    outline: 2px solid Highlight !important;
  }
}