/* ====================================
   MORTGAGE FEEDERS - LUXURY STYLES
   Brand Color: #6B7339 (Olive Green)
   ==================================== */

/* ---- CSS Variables ---- */
:root {
    --brand: #6B7339;
    --brand-light: #8A9550;
    --brand-dark: #4E5529;
    --brand-subtle: #F4F5ED;
    --brand-glow: rgba(107, 115, 57, 0.15);

    --gold: #C5A55A;
    --gold-light: #D4BC7E;

    --text-primary: #1A1A1A;
    --text-secondary: #555555;
    --text-light: #888888;
    --text-white: #FFFFFF;

    --bg-primary: #FFFFFF;
    --bg-secondary: #FAFAF7;
    --bg-dark: #1A1D0E;
    --bg-darker: #111308;

    --border-color: #E8E8E0;
    --border-light: #F0F0EA;

    --shadow-sm: 0 2px 8px rgba(0,0,0,0.04);
    --shadow-md: 0 4px 24px rgba(0,0,0,0.08);
    --shadow-lg: 0 8px 48px rgba(0,0,0,0.12);
    --shadow-xl: 0 16px 64px rgba(0,0,0,0.16);
    --shadow-brand: 0 8px 32px rgba(107,115,57,0.25);

    --radius-sm: 8px;
    --radius-md: 12px;
    --radius-lg: 20px;
    --radius-xl: 28px;
    --radius-full: 9999px;

    --font-display: 'Playfair Display', Georgia, serif;
    --font-body: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    --font-accent: 'DM Sans', sans-serif;

    --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    --transition-slow: 0.6s cubic-bezier(0.4, 0, 0.2, 1);

    --container-max: 1280px;
    --section-padding: 120px;

    /* Shorthand aliases (used by pre-approval form & page-hero) */
    --bg: var(--bg-primary);
    --surface: var(--bg-secondary);
    --text: var(--text-primary);
    --text-muted: var(--text-light);
    --border: var(--border-color);
    --dark: var(--bg-dark);
    --white: #FFFFFF;
}

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

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

body {
    font-family: var(--font-body);
    color: var(--text-primary);
    background: var(--bg-primary);
    line-height: 1.7;
    overflow-x: hidden;
}

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

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

ul {
    list-style: none;
}

/* ---- Container ---- */
.container {
    max-width: var(--container-max);
    margin: 0 auto;
    padding: 0 24px;
}

.section {
    padding: var(--section-padding) 0;
    position: relative;
}

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

/* ---- Typography ---- */
.section-label {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-family: var(--font-accent);
    font-size: 0.85rem;
    font-weight: 600;
    letter-spacing: 3px;
    text-transform: uppercase;
    color: var(--brand);
    margin-bottom: 16px;
}

.section-label::before {
    content: '';
    width: 32px;
    height: 2px;
    background: var(--brand);
    border-radius: 2px;
}

.text-center .section-label::before {
    display: none;
}

.section-title {
    font-family: var(--font-display);
    font-size: clamp(2rem, 4vw, 3.2rem);
    font-weight: 700;
    line-height: 1.2;
    color: var(--text-primary);
    margin-bottom: 20px;
}

.text-accent {
    color: var(--brand);
}

.text-gradient {
    background: linear-gradient(135deg, var(--brand), var(--brand-light));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.section-subtitle {
    font-size: 1.1rem;
    color: var(--text-secondary);
    max-width: 600px;
    line-height: 1.8;
}

.text-center .section-subtitle {
    margin: 0 auto;
}

.section-header {
    margin-bottom: 64px;
}

/* ---- Buttons ---- */
.btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 14px 32px;
    font-family: var(--font-accent);
    font-size: 0.95rem;
    font-weight: 600;
    border-radius: var(--radius-full);
    border: 2px solid transparent;
    cursor: pointer;
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.btn-primary {
    background: var(--brand);
    color: var(--text-white);
    border-color: var(--brand);
}

.btn-primary:hover {
    background: var(--brand-dark);
    border-color: var(--brand-dark);
    transform: translateY(-2px);
    box-shadow: var(--shadow-brand);
}

.btn-lg {
    padding: 16px 40px;
    font-size: 1rem;
}

.btn-full {
    width: 100%;
    justify-content: center;
}

.btn-arrow {
    transition: transform 0.3s ease;
}

.btn:hover .btn-arrow {
    transform: translateX(4px);
}

/* ---- Preloader ---- */
#preloader {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: var(--bg-dark);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 10000;
    transition: opacity 0.5s ease, visibility 0.5s ease;
}

#preloader.loaded {
    opacity: 0;
    visibility: hidden;
}

.preloader-inner {
    text-align: center;
}

.preloader-logo {
    position: relative;
    display: inline-block;
    width: 240px;
    margin-bottom: 32px;
}

.preloader-logo-img {
    width: 240px;
    display: block;
    visibility: hidden;
}

.preloader-logo::after {
    content: '';
    position: absolute;
    inset: 0;
    background: #fff;
    -webkit-mask-image: url('../assets/logo.png');
    mask-image: url('../assets/logo.png');
    -webkit-mask-size: contain;
    mask-size: contain;
    -webkit-mask-repeat: no-repeat;
    mask-repeat: no-repeat;
    -webkit-mask-position: center;
    mask-position: center;
}

.preloader-bar {
    width: 200px;
    height: 3px;
    background: rgba(255,255,255,0.1);
    border-radius: 3px;
    overflow: hidden;
    margin: 0 auto;
}

.preloader-bar-fill {
    width: 0%;
    height: 100%;
    background: var(--brand-light);
    border-radius: 3px;
    animation: preloaderFill 1.5s ease forwards;
}

@keyframes preloaderFill {
    to { width: 100%; }
}

/* ---- Navigation ---- */
.navbar {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    z-index: 1000;
    padding: 20px 0;
    transition: var(--transition);
}

.navbar.scrolled {
    background: rgba(255,255,255,0.95);
    -webkit-backdrop-filter: blur(20px);
    backdrop-filter: blur(20px);
    padding: 12px 0;
    box-shadow: var(--shadow-sm);
}

.nav-container {
    max-width: var(--container-max);
    margin: 0 auto;
    padding: 0 24px;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.logo-img {
    height: 64px;
    transition: var(--transition);
    filter: brightness(0) invert(1);
}

.navbar.scrolled .logo-img {
    height: 52px;
    filter: none;
}

.nav-menu {
    display: flex;
    align-items: center;
    gap: 8px;
}

.nav-link {
    padding: 8px 16px;
    font-family: var(--font-accent);
    font-size: 0.9rem;
    font-weight: 500;
    color: rgba(255,255,255,0.8);
    border-radius: var(--radius-full);
    transition: var(--transition);
}

.nav-link:hover,
.nav-link.active {
    color: var(--text-white);
    background: rgba(255,255,255,0.1);
}

.navbar.scrolled .nav-link {
    color: var(--text-secondary);
}

.navbar.scrolled .nav-link:hover,
.navbar.scrolled .nav-link.active {
    color: var(--brand);
    background: var(--brand-subtle);
}

.nav-cta {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 10px 24px;
    background: var(--brand);
    color: var(--text-white);
    font-family: var(--font-accent);
    font-size: 0.9rem;
    font-weight: 600;
    border-radius: var(--radius-full);
    transition: var(--transition);
}

.nav-cta:hover {
    background: var(--brand-dark);
    transform: translateY(-1px);
    box-shadow: var(--shadow-brand);
}

.cta-icon {
    font-size: 0.85rem;
}

.nav-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 4px;
    z-index: 1001;
}

.nav-toggle span {
    width: 24px;
    height: 2px;
    background: var(--text-white);
    border-radius: 2px;
    transition: var(--transition);
}

.navbar.scrolled .nav-toggle span {
    background: var(--text-primary);
}

.nav-actions {
    display: flex;
    align-items: center;
}

/* ---- Hero Section ---- */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(165deg, var(--bg-darker) 0%, var(--bg-dark) 40%, #2A2D1A 100%);
    padding: 120px 24px 80px;
    overflow: hidden;
}

.hero-bg-image {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: url('https://images.unsplash.com/photo-1512453979798-5ea266f8880c?w=1920&q=80') center/cover no-repeat;
    opacity: 0.15;
    z-index: 0;
}

.hero-bg-overlay {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: 
        radial-gradient(ellipse at 20% 50%, rgba(107,115,57,0.15) 0%, transparent 50%),
        radial-gradient(ellipse at 80% 20%, rgba(107,115,57,0.1) 0%, transparent 50%),
        radial-gradient(ellipse at 50% 80%, rgba(107,115,57,0.08) 0%, transparent 50%);
    pointer-events: none;
    z-index: 1;
}

.hero-particles {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    pointer-events: none;
    overflow: hidden;
}

.hero-content {
    position: relative;
    z-index: 2;
    max-width: 880px;
    text-align: center;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 8px 20px;
    background: rgba(107,115,57,0.15);
    border: 1px solid rgba(107,115,57,0.3);
    border-radius: var(--radius-full);
    font-family: var(--font-accent);
    font-size: 0.85rem;
    font-weight: 500;
    color: var(--brand-light);
    margin-bottom: 32px;
}

.badge-dot {
    width: 8px;
    height: 8px;
    background: var(--brand-light);
    border-radius: 50%;
    animation: pulse 2s infinite;
}

@keyframes pulse {
    0%, 100% { opacity: 1; transform: scale(1); }
    50% { opacity: 0.5; transform: scale(0.8); }
}

.hero-title {
    font-family: var(--font-display);
    font-size: clamp(2.8rem, 6vw, 5rem);
    font-weight: 700;
    line-height: 1.1;
    color: var(--text-white);
    margin-bottom: 24px;
    letter-spacing: -0.02em;
}

.hero-subtitle {
    font-size: 1.15rem;
    color: rgba(255,255,255,0.65);
    max-width: 640px;
    margin: 0 auto 32px;
    line-height: 1.8;
}

.hero-features {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 16px 32px;
    margin-bottom: 40px;
}

.hero-feature {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.95rem;
    color: rgba(255,255,255,0.75);
}

.feature-check {
    color: var(--brand-light);
    font-weight: 700;
}

.hero-cta {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 16px;
    margin-bottom: 64px;
}

.hero-stats {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 40px;
    padding-top: 48px;
    border-top: 1px solid rgba(255,255,255,0.08);
}

.stat-item {
    text-align: center;
}

.stat-number {
    font-family: var(--font-display);
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--text-white);
    line-height: 1;
}

.stat-suffix {
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--brand-light);
}

.stat-label {
    display: block;
    font-size: 0.85rem;
    color: rgba(255,255,255,0.5);
    margin-top: 8px;
    font-family: var(--font-accent);
}

.stat-divider {
    width: 1px;
    height: 48px;
    background: rgba(255,255,255,0.1);
}

.hero-scroll-indicator {
    position: absolute;
    bottom: 40px;
    left: 50%;
    transform: translateX(-50%);
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 8px;
    color: rgba(255,255,255,0.3);
    font-size: 0.75rem;
    font-family: var(--font-accent);
    letter-spacing: 2px;
    text-transform: uppercase;
}

.scroll-line {
    width: 1px;
    height: 48px;
    background: linear-gradient(to bottom, rgba(255,255,255,0.3), transparent);
    animation: scrollLine 2s ease infinite;
}

@keyframes scrollLine {
    0% { transform: scaleY(0); transform-origin: top; }
    50% { transform: scaleY(1); transform-origin: top; }
    51% { transform: scaleY(1); transform-origin: bottom; }
    100% { transform: scaleY(0); transform-origin: bottom; }
}

/* ---- About Section ---- */
.about {
    background: var(--bg-secondary);
}

.about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
}

.about-visual {
    position: relative;
}

.about-image-wrapper {
    position: relative;
    border-radius: var(--radius-lg);
    overflow: hidden;
}

.about-image {
    width: 100%;
    aspect-ratio: 4/5;
    object-fit: cover;
    border-radius: var(--radius-lg);
    display: block;
}

.about-image-placeholder {
    aspect-ratio: 4/5;
    background: linear-gradient(135deg, var(--brand), var(--brand-dark));
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 16px;
    border-radius: var(--radius-lg);
}

.placeholder-icon {
    font-size: 4rem;
}

.about-image-placeholder span {
    color: rgba(255,255,255,0.7);
    font-family: var(--font-accent);
    font-size: 1.1rem;
    font-weight: 500;
}

.about-floating-card {
    position: absolute;
    bottom: 24px;
    right: -32px;
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 16px 24px;
    background: var(--bg-primary);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg);
    animation: floatCard 4s ease-in-out infinite;
}

@keyframes floatCard {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-10px); }
}

.floating-card-icon {
    font-size: 2rem;
}

.floating-card-text strong {
    display: block;
    font-size: 1.5rem;
    color: var(--brand);
    font-family: var(--font-display);
}

.floating-card-text span {
    font-size: 0.85rem;
    color: var(--text-light);
}

.about-experience-badge {
    position: absolute;
    top: 32px;
    left: -24px;
    width: 100px;
    height: 100px;
    background: var(--brand);
    border-radius: 50%;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    box-shadow: var(--shadow-brand);
}

.experience-number {
    font-family: var(--font-display);
    font-size: 1.8rem;
    font-weight: 700;
    color: var(--text-white);
    line-height: 1;
}

.experience-text {
    font-size: 0.65rem;
    color: rgba(255,255,255,0.8);
    text-align: center;
    line-height: 1.2;
    margin-top: 2px;
}

.about-description {
    font-size: 1.05rem;
    color: var(--text-secondary);
    margin-bottom: 16px;
    line-height: 1.8;
}

.about-highlights {
    display: flex;
    flex-direction: column;
    gap: 24px;
    margin: 32px 0 40px;
}

.highlight-item {
    display: flex;
    gap: 16px;
    align-items: flex-start;
}

.highlight-icon {
    font-size: 1.5rem;
    width: 48px;
    height: 48px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--brand-subtle);
    border-radius: var(--radius-sm);
    flex-shrink: 0;
}

.highlight-item h4 {
    font-family: var(--font-accent);
    font-size: 1rem;
    font-weight: 700;
    color: var(--text-primary);
    margin-bottom: 4px;
}

.highlight-item p {
    font-size: 0.9rem;
    color: var(--text-light);
}

/* ---- Services Section ---- */
.services {
    background: var(--bg-primary);
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.service-card {
    position: relative;
    border-radius: var(--radius-lg);
    transition: var(--transition-slow);
}

.service-card-inner {
    padding: 0;
    background: var(--bg-primary);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-lg);
    height: 100%;
    transition: var(--transition);
    position: relative;
    overflow: hidden;
    display: flex;
    flex-direction: column;
}

.service-card-image {
    width: 100%;
    height: 180px;
    overflow: hidden;
    flex-shrink: 0;
}

.service-card-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.6s ease;
}

.service-card:hover .service-card-image img {
    transform: scale(1.08);
}

.service-icon-wrapper {
    width: 64px;
    height: 64px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--brand-subtle);
    border-radius: var(--radius-md);
    margin: -32px 0 16px 32px;
    transition: var(--transition);
    position: relative;
    z-index: 2;
    box-shadow: var(--shadow-md);
}

.service-card-inner > .service-icon-wrapper ~ *,
.service-card-inner > .service-title,
.service-card-inner > .service-description,
.service-card-inner > .service-features,
.service-card-inner > .service-link {
    padding-left: 32px;
    padding-right: 32px;
}

.service-card:hover .service-card-inner {
    border-color: var(--brand);
    box-shadow: var(--shadow-lg);
    transform: translateY(-4px);
}

.service-card.featured .service-card-inner {
    background: var(--brand);
    border-color: var(--brand);
}

.service-card.featured .service-card-image img {
    opacity: 0.5;
}

.service-card.featured:hover .service-card-inner {
    background: var(--brand-dark);
}

.service-badge {
    position: absolute;
    top: 16px;
    right: 16px;
    padding: 4px 14px;
    background: var(--gold);
    color: var(--text-white);
    font-family: var(--font-accent);
    font-size: 0.75rem;
    font-weight: 700;
    border-radius: var(--radius-full);
    text-transform: uppercase;
    letter-spacing: 1px;
    z-index: 3;
}

.service-card.featured .service-icon-wrapper {
    background: rgba(255,255,255,0.15);
}

.service-icon {
    font-size: 1.8rem;
}

.service-title {
    font-family: var(--font-display);
    font-size: 1.3rem;
    font-weight: 700;
    margin-bottom: 12px;
    color: var(--text-primary);
}

.service-card.featured .service-title {
    color: var(--text-white);
}

.service-description {
    font-size: 0.95rem;
    color: var(--text-secondary);
    line-height: 1.7;
    margin-bottom: 20px;
}

.service-card.featured .service-description {
    color: rgba(255,255,255,0.75);
}

.service-features {
    margin-bottom: 24px;
}

.service-features li {
    padding: 4px 0;
    font-size: 0.9rem;
    color: var(--text-secondary);
    display: flex;
    align-items: center;
    gap: 8px;
}

.service-features li::before {
    content: '✓';
    color: var(--brand);
    font-weight: 700;
    font-size: 0.8rem;
}

.service-card.featured .service-features li {
    color: rgba(255,255,255,0.75);
}

.service-card.featured .service-features li::before {
    color: var(--gold-light);
}

.service-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-family: var(--font-accent);
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--brand);
    transition: var(--transition);
    padding-bottom: 32px;
}

.service-card.featured .service-link {
    color: var(--gold-light);
}

.service-link:hover {
    gap: 10px;
}

/* ---- Process Section ---- */
.process {
    background: var(--bg-dark);
    color: var(--text-white);
    position: relative;
    overflow: hidden;
}

.process::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: url('https://images.unsplash.com/photo-1560520653-9e0e4c89eb11?w=1920&q=60') center/cover no-repeat;
    opacity: 0.06;
    pointer-events: none;
}

.process .section-label {
    color: var(--brand-light);
}

.process .section-title {
    color: var(--text-white);
}

.process .section-subtitle {
    color: rgba(255,255,255,0.6);
}

.process-timeline {
    position: relative;
    max-width: 800px;
    margin: 0 auto;
}

.process-line {
    position: absolute;
    left: 36px;
    top: 0;
    bottom: 0;
    width: 2px;
    background: linear-gradient(to bottom, var(--brand), rgba(107,115,57,0.2));
}

.process-step {
    display: flex;
    gap: 32px;
    margin-bottom: 48px;
    position: relative;
}

.process-step:last-child {
    margin-bottom: 0;
}

.step-number {
    width: 72px;
    height: 72px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--bg-dark);
    border: 2px solid var(--brand);
    border-radius: 50%;
    font-family: var(--font-display);
    font-size: 1.2rem;
    font-weight: 700;
    color: var(--brand-light);
    flex-shrink: 0;
    position: relative;
    z-index: 2;
    transition: var(--transition);
}

.process-step:hover .step-number {
    background: var(--brand);
    color: var(--text-white);
    box-shadow: var(--shadow-brand);
}

.step-content {
    padding-top: 16px;
}

.step-content h3 {
    font-family: var(--font-display);
    font-size: 1.3rem;
    font-weight: 700;
    margin-bottom: 8px;
    color: var(--text-white);
}

.step-content p {
    font-size: 0.95rem;
    color: rgba(255,255,255,0.55);
    line-height: 1.7;
}

/* ---- Calculator Section ---- */
.calculator-section {
    background: var(--bg-secondary);
}

.calculator-wrapper {
    max-width: 960px;
    margin: 0 auto;
}

.calculator-card {
    display: grid;
    grid-template-columns: 1fr 1fr;
    background: var(--bg-primary);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
}

.calc-inputs {
    padding: 48px;
    display: flex;
    flex-direction: column;
    gap: 28px;
}

.calc-input-group label {
    display: block;
    font-family: var(--font-accent);
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--text-secondary);
    margin-bottom: 8px;
}

.calc-input {
    width: 100%;
    padding: 12px 16px;
    border: 1px solid var(--border-color);
    border-radius: var(--radius-sm);
    font-family: var(--font-body);
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--text-primary);
    background: var(--bg-secondary);
    transition: var(--transition);
}

.calc-input:focus {
    outline: none;
    border-color: var(--brand);
    box-shadow: 0 0 0 3px var(--brand-glow);
}

.calc-range {
    width: 100%;
    margin-top: 8px;
    -webkit-appearance: none;
    appearance: none;
    height: 6px;
    border-radius: 3px;
    background: var(--border-color);
    outline: none;
}

.calc-range::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: var(--brand);
    cursor: pointer;
    border: 3px solid var(--bg-primary);
    box-shadow: var(--shadow-sm);
}

.calc-range::-moz-range-thumb {
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: var(--brand);
    cursor: pointer;
    border: 3px solid var(--bg-primary);
    box-shadow: var(--shadow-sm);
}

.calc-results {
    padding: 48px;
    background: var(--bg-dark);
    color: var(--text-white);
    display: flex;
    flex-direction: column;
    gap: 24px;
}

.calc-result-main {
    text-align: center;
    padding-bottom: 24px;
    border-bottom: 1px solid rgba(255,255,255,0.1);
}

.result-label {
    display: block;
    font-family: var(--font-accent);
    font-size: 0.85rem;
    color: rgba(255,255,255,0.6);
    margin-bottom: 8px;
    text-transform: uppercase;
    letter-spacing: 2px;
}

.result-value {
    font-family: var(--font-display);
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--brand-light);
}

.calc-result-details {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.result-detail {
    display: flex;
    justify-content: space-between;
    font-size: 0.9rem;
}

.result-detail span:first-child {
    color: rgba(255,255,255,0.5);
}

.result-detail span:last-child {
    font-weight: 600;
    color: var(--text-white);
}

.calc-chart-wrapper {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 12px;
}

.calc-chart-wrapper canvas {
    max-width: 160px;
    max-height: 160px;
}

.chart-legend {
    display: flex;
    gap: 24px;
}

.legend-item {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 0.8rem;
    color: rgba(255,255,255,0.6);
}

.legend-dot {
    width: 10px;
    height: 10px;
    border-radius: 50%;
}

.legend-dot.principal {
    background: var(--brand-light);
}

.legend-dot.interest {
    background: var(--gold);
}

/* ---- Testimonials Section ---- */
.testimonials {
    background: var(--bg-primary);
    position: relative;
    overflow: hidden;
}

.testimonials::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?w=1920&q=60') center/cover no-repeat;
    opacity: 0.03;
    pointer-events: none;
}

.testimonials-slider {
    max-width: 1000px;
    margin: 0 auto;
    overflow: hidden;
    position: relative;
}

.testimonials-track {
    display: flex;
    transition: transform 0.5s cubic-bezier(0.4, 0, 0.2, 1);
}

.testimonial-card {
    min-width: 100%;
    padding: 48px;
    background: var(--bg-secondary);
    border-radius: var(--radius-xl);
    border: 1px solid var(--border-light);
    text-align: center;
    box-sizing: border-box;
}

.testimonial-stars {
    font-size: 1.3rem;
    color: var(--gold);
    margin-bottom: 24px;
    letter-spacing: 4px;
}

.testimonial-text {
    font-family: var(--font-display);
    font-size: 1.25rem;
    font-weight: 400;
    font-style: italic;
    color: var(--text-primary);
    line-height: 1.8;
    margin-bottom: 32px;
    max-width: 700px;
    margin-left: auto;
    margin-right: auto;
}

.testimonial-author {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 16px;
}

.author-avatar {
    width: 52px;
    height: 52px;
    background: var(--brand);
    color: var(--text-white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-accent);
    font-weight: 700;
    font-size: 0.95rem;
}

.author-info {
    text-align: left;
}

.author-info strong {
    display: block;
    font-family: var(--font-accent);
    font-size: 1rem;
    font-weight: 700;
    color: var(--text-primary);
}

.author-info span {
    font-size: 0.85rem;
    color: var(--text-light);
}

.testimonials-controls {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 16px;
    margin-top: 32px;
}

.testimonial-btn {
    width: 44px;
    height: 44px;
    border: 1px solid var(--border-color);
    background: var(--bg-primary);
    border-radius: 50%;
    font-size: 1.2rem;
    color: var(--text-secondary);
    cursor: pointer;
    transition: var(--transition);
    display: flex;
    align-items: center;
    justify-content: center;
}

.testimonial-btn:hover {
    background: var(--brand);
    border-color: var(--brand);
    color: var(--text-white);
}

.testimonials-dots {
    display: flex;
    gap: 8px;
}

.testimonial-dot {
    width: 10px;
    height: 10px;
    border-radius: 50%;
    background: var(--border-color);
    cursor: pointer;
    transition: var(--transition);
}

.testimonial-dot.active {
    background: var(--brand);
    width: 28px;
    border-radius: 5px;
}

/* ---- Why Us Section ---- */
.why-us {
    background: var(--bg-secondary);
}

.why-us-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
}

.why-us-list {
    display: flex;
    flex-direction: column;
    gap: 28px;
    margin-top: 32px;
}

.why-item {
    display: flex;
    gap: 20px;
    padding: 20px;
    background: var(--bg-primary);
    border-radius: var(--radius-md);
    border: 1px solid var(--border-light);
    transition: var(--transition);
}

.why-item:hover {
    border-color: var(--brand);
    box-shadow: var(--shadow-md);
    transform: translateX(4px);
}

.why-item-number {
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--brand);
    flex-shrink: 0;
    line-height: 1;
}

.why-item h4 {
    font-family: var(--font-accent);
    font-size: 1rem;
    font-weight: 700;
    color: var(--text-primary);
    margin-bottom: 4px;
}

.why-item p {
    font-size: 0.9rem;
    color: var(--text-light);
    line-height: 1.6;
}

.why-us-visual {
    display: flex;
    align-items: center;
    justify-content: center;
}

.why-us-image-wrapper {
    width: 100%;
    position: relative;
    border-radius: var(--radius-xl);
    overflow: hidden;
}

.why-us-image {
    width: 100%;
    aspect-ratio: 1;
    object-fit: cover;
    display: block;
    border-radius: var(--radius-xl);
}

.why-us-stats-overlay {
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    padding: 40px;
    background: linear-gradient(to top, rgba(0,0,0,0.8) 0%, rgba(0,0,0,0.4) 60%, transparent 100%);
    text-align: center;
    border-radius: 0 0 var(--radius-xl) var(--radius-xl);
}

.why-us-stats-overlay p {
    color: rgba(255,255,255,0.8);
    font-family: var(--font-accent);
    font-size: 0.95rem;
}

.why-us-image-placeholder {
    width: 100%;
    aspect-ratio: 1;
    background: linear-gradient(135deg, var(--brand-subtle), var(--bg-primary));
    border-radius: var(--radius-xl);
    display: flex;
    align-items: center;
    justify-content: center;
    border: 1px solid var(--border-light);
}

.why-us-stats-card {
    text-align: center;
    padding: 40px;
}

.stat-circle {
    position: relative;
    width: 160px;
    height: 160px;
    margin: 0 auto 24px;
}

.stat-circle svg {
    width: 100%;
    height: 100%;
}

.stat-circle-text {
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    text-align: center;
}

.stat-circle-text strong {
    display: block;
    font-family: var(--font-display);
    font-size: 2rem;
    font-weight: 700;
    color: #fff;
}

.stat-circle-text span {
    font-size: 0.85rem;
    color: rgba(255,255,255,0.8);
}

.why-us-stats-card > p {
    color: var(--text-secondary);
    font-size: 0.95rem;
}

/* ---- Contact Section ---- */
.contact {
    background: var(--bg-primary);
}

.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 48px;
}

.contact-info-card {
    background: var(--bg-dark);
    color: var(--text-white);
    padding: 48px;
    border-radius: var(--radius-xl);
    height: 100%;
}

.contact-info-card h3 {
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 700;
    margin-bottom: 32px;
}

.contact-details {
    display: flex;
    flex-direction: column;
    gap: 24px;
    margin-bottom: 36px;
    padding-bottom: 36px;
    border-bottom: 1px solid rgba(255,255,255,0.1);
}

.contact-item {
    display: flex;
    align-items: flex-start;
    gap: 16px;
}

.contact-icon {
    font-size: 1.2rem;
    width: 40px;
    height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: rgba(107,115,57,0.2);
    border-radius: var(--radius-sm);
    flex-shrink: 0;
}

.contact-label {
    display: block;
    font-size: 0.8rem;
    color: rgba(255,255,255,0.5);
    margin-bottom: 4px;
    text-transform: uppercase;
    letter-spacing: 1px;
    font-family: var(--font-accent);
}

.contact-item a,
.contact-item p {
    color: rgba(255,255,255,0.9);
    font-size: 0.95rem;
}

.contact-item a:hover {
    color: var(--brand-light);
}

.business-hours h4 {
    font-family: var(--font-accent);
    font-size: 0.95rem;
    font-weight: 700;
    margin-bottom: 16px;
    color: var(--text-white);
}

.hours-list {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.hours-row {
    display: flex;
    justify-content: space-between;
    font-size: 0.9rem;
    padding: 8px 0;
    border-bottom: 1px solid rgba(255,255,255,0.05);
}

.hours-row span:first-child {
    color: rgba(255,255,255,0.7);
}

.hours-row span:last-child {
    color: rgba(255,255,255,0.9);
    font-weight: 500;
    text-align: right;
}

.hours-row.closed span:last-child {
    color: #D4564E;
}

/* ---- Contact Form ---- */
.contact-form {
    padding: 48px;
    background: var(--bg-secondary);
    border-radius: var(--radius-xl);
    border: 1px solid var(--border-light);
}

/* ---- Google Map ---- */
.map-wrapper {
    margin-top: 64px;
}

.map-container {
    border-radius: var(--radius-xl);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    border: 1px solid var(--border-color);
}

.map-iframe {
    border: 0;
    border-radius: var(--radius-xl);
    display: block;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin-bottom: 20px;
}

.form-group {
    margin-bottom: 0;
}

.form-group label {
    display: block;
    font-family: var(--font-accent);
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--text-secondary);
    margin-bottom: 8px;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 14px 16px;
    border: 1px solid var(--border-color);
    border-radius: var(--radius-sm);
    font-family: var(--font-body);
    font-size: 0.95rem;
    color: var(--text-primary);
    background: var(--bg-primary);
    transition: var(--transition);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--brand);
    box-shadow: 0 0 0 3px var(--brand-glow);
}

.form-group textarea {
    resize: vertical;
    min-height: 100px;
}

.form-group select {
    -webkit-appearance: none;
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg width='12' height='8' viewBox='0 0 12 8' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1 1.5L6 6.5L11 1.5' stroke='%23888' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 16px center;
    padding-right: 40px;
}

.contact-form .form-group {
    margin-bottom: 20px;
}

.form-disclaimer {
    text-align: center;
    font-size: 0.8rem;
    color: var(--text-light);
    margin-top: 12px;
}

/* ---- Footer ---- */
.footer {
    background: var(--bg-darker);
    color: var(--text-white);
    padding: 80px 0 0;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1.3fr;
    gap: 48px;
    padding-bottom: 48px;
    border-bottom: 1px solid rgba(255,255,255,0.08);
}

.footer-logo {
    height: 64px;
    margin-bottom: 16px;
    filter: brightness(0) invert(1);
}

.footer-brand p {
    font-size: 0.9rem;
    color: rgba(255,255,255,0.5);
    line-height: 1.7;
    margin-bottom: 20px;
}

.footer-social {
    display: flex;
    gap: 12px;
}

.social-link {
    width: 40px;
    height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: rgba(255,255,255,0.08);
    border-radius: 50%;
    color: rgba(255,255,255,0.6);
    transition: var(--transition);
}

.social-link:hover {
    background: var(--brand);
    color: var(--text-white);
    transform: translateY(-2px);
}

.footer-links h4,
.footer-contact h4 {
    font-family: var(--font-accent);
    font-size: 0.95rem;
    font-weight: 700;
    margin-bottom: 20px;
    color: var(--text-white);
}

.footer-links li {
    margin-bottom: 10px;
}

.footer-links a {
    font-size: 0.9rem;
    color: rgba(255,255,255,0.5);
    transition: var(--transition);
}

.footer-links a:hover {
    color: var(--brand-light);
    padding-left: 4px;
}

.footer-contact-item {
    display: flex;
    gap: 12px;
    margin-bottom: 14px;
    align-items: flex-start;
}

.footer-contact-item span {
    font-size: 1rem;
}

.footer-contact-item p,
.footer-contact-item a {
    font-size: 0.9rem;
    color: rgba(255,255,255,0.5);
    line-height: 1.6;
}

.footer-contact-item a:hover {
    color: var(--brand-light);
}

.footer-bottom {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 24px 0;
}

.footer-bottom p {
    font-size: 0.85rem;
    color: rgba(255,255,255,0.4);
}

.footer-bottom-links {
    display: flex;
    gap: 24px;
}

.footer-bottom-links a {
    font-size: 0.85rem;
    color: rgba(255,255,255,0.4);
}

.footer-bottom-links a:hover {
    color: var(--brand-light);
}

/* ---- WhatsApp Float ---- */
.whatsapp-float {
    position: fixed;
    bottom: 28px;
    right: 28px;
    width: 60px;
    height: 60px;
    background: #25D366;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 4px 24px rgba(37,211,102,0.4);
    z-index: 999;
    transition: var(--transition);
    animation: whatsappPulse 2s infinite;
}

.whatsapp-float:hover {
    transform: scale(1.1);
    box-shadow: 0 6px 32px rgba(37,211,102,0.5);
}

@keyframes whatsappPulse {
    0%, 100% { box-shadow: 0 4px 24px rgba(37,211,102,0.4); }
    50% { box-shadow: 0 4px 32px rgba(37,211,102,0.6), 0 0 0 12px rgba(37,211,102,0.1); }
}

/* ---- Back to Top ---- */
.back-to-top {
    position: fixed;
    bottom: 100px;
    right: 28px;
    width: 44px;
    height: 44px;
    background: var(--bg-primary);
    border: 1px solid var(--border-color);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    opacity: 0;
    visibility: hidden;
    transform: translateY(20px);
    transition: var(--transition);
    z-index: 998;
    color: var(--text-secondary);
}

.back-to-top.visible {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.back-to-top:hover {
    background: var(--brand);
    border-color: var(--brand);
    color: var(--text-white);
}

/* ---- Responsive ---- */
@media (max-width: 1024px) {
    :root {
        --section-padding: 80px;
    }
    
    .about-grid,
    .why-us-grid {
        grid-template-columns: 1fr;
        gap: 48px;
    }
    
    .services-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .calculator-card {
        grid-template-columns: 1fr;
    }
    
    .contact-grid {
        grid-template-columns: 1fr;
    }
    
    .footer-grid {
        grid-template-columns: 1fr 1fr;
        gap: 36px;
    }
}

@media (max-width: 768px) {
    :root {
        --section-padding: 64px;
    }

    .logo-img {
        height: 52px;
    }

    .navbar.scrolled .logo-img {
        height: 44px;
    }

    .preloader-logo-img {
        width: 180px;
    }

    .footer-logo {
        height: 52px;
    }

    .service-card-image {
        height: 140px;
    }

    .service-icon-wrapper {
        margin: -28px 0 12px 24px;
        width: 56px;
        height: 56px;
    }

    .service-card-inner > .service-icon-wrapper ~ *,
    .service-card-inner > .service-title,
    .service-card-inner > .service-description,
    .service-card-inner > .service-features,
    .service-card-inner > .service-link {
        padding-left: 24px;
        padding-right: 24px;
    }

    .service-link {
        padding-bottom: 24px;
    }

    .nav-menu {
        position: fixed;
        top: 0;
        right: -100%;
        width: 80%;
        max-width: 360px;
        height: 100vh;
        background: var(--bg-primary);
        flex-direction: column;
        align-items: flex-start;
        padding: 100px 32px 32px;
        gap: 4px;
        transition: right 0.4s ease;
        box-shadow: var(--shadow-xl);
    }

    .nav-menu.active {
        right: 0;
    }

    .nav-menu .nav-link {
        color: var(--text-primary);
        width: 100%;
        padding: 12px 16px;
        font-size: 1rem;
    }

    .nav-menu .nav-link:hover,
    .nav-menu .nav-link.active {
        background: var(--brand-subtle);
        color: var(--brand);
    }

    .nav-toggle {
        display: flex;
    }

    .nav-toggle.active span:nth-child(1) {
        transform: rotate(45deg) translateY(7px);
    }

    .nav-toggle.active span:nth-child(2) {
        opacity: 0;
    }

    .nav-toggle.active span:nth-child(3) {
        transform: rotate(-45deg) translateY(-7px);
    }

    .nav-actions {
        display: none;
    }

    .hero-title {
        font-size: 2.5rem;
    }

    .hero-stats {
        flex-direction: column;
        gap: 24px;
    }

    .stat-divider {
        width: 48px;
        height: 1px;
    }

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

    .process-step {
        gap: 20px;
    }

    .step-number {
        width: 56px;
        height: 56px;
        font-size: 1rem;
    }

    .process-line {
        left: 27px;
    }

    .testimonial-card {
        padding: 32px 24px;
    }

    .testimonial-text {
        font-size: 1.05rem;
    }

    .form-row {
        grid-template-columns: 1fr;
        gap: 0;
    }

    .contact-form {
        padding: 32px 24px;
    }

    .contact-info-card {
        padding: 32px 24px;
    }

    .footer-grid {
        grid-template-columns: 1fr;
        gap: 32px;
    }

    .footer-bottom {
        flex-direction: column;
        gap: 12px;
        text-align: center;
    }

    .about-floating-card {
        right: 16px;
        bottom: 16px;
    }

    .about-experience-badge {
        left: 8px;
        top: 16px;
        width: 80px;
        height: 80px;
    }

    .experience-number {
        font-size: 1.4rem;
    }

    .hero-scroll-indicator {
        display: none;
    }

    .hours-row {
        flex-direction: column;
        gap: 2px;
    }

    .hours-row span:last-child {
        text-align: left;
        font-size: 0.85rem;
    }
}

@media (max-width: 480px) {
    .hero-title {
        font-size: 2rem;
    }

    .hero-features {
        flex-direction: column;
        align-items: center;
    }

    .hero-cta {
        flex-direction: column;
        width: 100%;
    }

    .hero-cta .btn {
        width: 100%;
        justify-content: center;
    }

    .section-title {
        font-size: 1.75rem;
    }

    .calc-inputs,
    .calc-results {
        padding: 32px 24px;
    }
}


/* ══════════════════════════════════════════════
   PAGE HERO (Subpages)
   ══════════════════════════════════════════════ */

.page-hero {
    position: relative;
    padding: 180px 0 100px;
    background: linear-gradient(135deg, var(--dark) 0%, #2A2D1E 50%, var(--dark) 100%);
    text-align: center;
    overflow: hidden;
}
.page-hero-overlay {
    position: absolute;
    inset: 0;
    background:
        radial-gradient(ellipse at 20% 50%, rgba(107,115,57,0.15) 0%, transparent 60%),
        radial-gradient(ellipse at 80% 50%, rgba(197,165,90,0.1) 0%, transparent 60%);
    pointer-events: none;
}
.page-hero-content {
    position: relative;
    z-index: 1;
    max-width: 720px;
    margin: 0 auto;
    padding: 0 24px;
}
.page-hero-title {
    font-family: var(--font-display);
    font-size: clamp(2.2rem, 5vw, 3.4rem);
    font-weight: 700;
    color: var(--white);
    line-height: 1.2;
    margin-bottom: 20px;
}
.page-hero-subtitle {
    font-size: 1.1rem;
    color: rgba(255,255,255,0.65);
    line-height: 1.7;
    max-width: 560px;
    margin: 0 auto;
}


/* ══════════════════════════════════════════════
   PRE-APPROVAL FORM
   ══════════════════════════════════════════════ */

.pre-approval-section {
    padding: 80px 0 120px;
    background: var(--bg);
}
.pre-approval-wrapper {
    max-width: 960px;
    margin: 0 auto;
    background: var(--surface);
    border-radius: var(--radius-xl);
    border: 1px solid var(--border);
    overflow: hidden;
    box-shadow: 0 20px 60px rgba(0,0,0,0.08);
}
.pre-approval-form {
    padding: 48px 56px;
}

/* ── Progress Bar ── */
.form-progress {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0;
    margin-bottom: 48px;
    padding: 0 20px;
}
.progress-step {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 8px;
    flex-shrink: 0;
}
.progress-step span {
    font-size: 0.75rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--text-muted);
    transition: color 0.4s;
}
.progress-dot {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.85rem;
    font-weight: 700;
    background: var(--bg);
    color: var(--text-muted);
    border: 2px solid var(--border);
    transition: all 0.4s ease;
}
.progress-step.active .progress-dot {
    background: var(--brand);
    color: var(--white);
    border-color: var(--brand);
    box-shadow: 0 0 0 6px rgba(107,115,57,0.15);
}
.progress-step.active span {
    color: var(--brand);
}
.progress-step.completed .progress-dot {
    background: var(--gold);
    border-color: var(--gold);
    color: transparent;
    font-size: 0;
}
.progress-step.completed .progress-dot::after {
    content: '✓';
    font-size: 0.9rem;
    color: var(--dark);
}
.progress-step.completed span {
    color: var(--gold);
}
.progress-line {
    flex: 1;
    height: 3px;
    background: var(--border);
    margin: 0 4px;
    margin-bottom: 24px;
    border-radius: 2px;
    transition: background 0.4s ease;
    min-width: 40px;
}
.progress-line.active {
    background: linear-gradient(90deg, var(--brand), var(--gold));
}

/* ── Steps ── */
.form-step {
    display: none;
    animation: stepFadeIn 0.5s ease;
}
.form-step.active {
    display: block;
}
@keyframes stepFadeIn {
    from { opacity: 0; transform: translateY(16px); }
    to { opacity: 1; transform: translateY(0); }
}
.form-step-header {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-bottom: 32px;
    padding-bottom: 20px;
    border-bottom: 1px solid var(--border);
}
.step-icon {
    width: 52px;
    height: 52px;
    border-radius: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    background: linear-gradient(135deg, rgba(107,115,57,0.1), rgba(197,165,90,0.1));
    flex-shrink: 0;
}
.form-step-header h3 {
    font-family: var(--font-display);
    font-size: 1.4rem;
    font-weight: 700;
    color: var(--text);
    margin-bottom: 2px;
}
.form-step-header p {
    font-size: 0.9rem;
    color: var(--text-muted);
}

/* ── Form Grids ── */
.form-grid-2 {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin-bottom: 20px;
}
.form-grid-3 {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-bottom: 20px;
}
.form-group-full {
    grid-column: 1 / -1;
}

/* ── Form Elements ── */
.pre-approval-form .form-group {
    margin-bottom: 0;
}
.pre-approval-form .form-group label {
    display: block;
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--text);
    margin-bottom: 8px;
    letter-spacing: 0.01em;
}
.pre-approval-form input,
.pre-approval-form select,
.pre-approval-form textarea {
    width: 100%;
    padding: 14px 18px;
    font-family: var(--font-body);
    font-size: 0.95rem;
    color: var(--text);
    background: var(--bg);
    border: 1.5px solid var(--border);
    border-radius: var(--radius-lg);
    outline: none;
    transition: all 0.3s ease;
}
.pre-approval-form input:focus,
.pre-approval-form select:focus,
.pre-approval-form textarea:focus {
    border-color: var(--brand);
    box-shadow: 0 0 0 4px rgba(107,115,57,0.1);
}
.pre-approval-form input::placeholder,
.pre-approval-form textarea::placeholder {
    color: var(--text-muted);
    opacity: 0.6;
}
.pre-approval-form select {
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%236B7339' stroke-width='2.5'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 16px center;
    padding-right: 40px;
    cursor: pointer;
}
.pre-approval-form textarea {
    resize: vertical;
    min-height: 80px;
}

/* ── Section Divider ── */
.form-section-divider {
    display: flex;
    align-items: center;
    margin: 32px 0 24px;
}
.form-section-divider::before,
.form-section-divider::after {
    content: '';
    flex: 1;
    height: 1px;
    background: linear-gradient(90deg, transparent, var(--border), transparent);
}
.form-section-divider span {
    padding: 0 20px;
    font-family: var(--font-display);
    font-size: 1rem;
    font-weight: 600;
    color: var(--brand);
    white-space: nowrap;
}

/* ── Navigation Buttons ── */
.form-nav {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-top: 40px;
    padding-top: 28px;
    border-top: 1px solid var(--border);
}
.btn-outline {
    background: transparent;
    border: 2px solid var(--border);
    color: var(--text);
    padding: 14px 28px;
    border-radius: var(--radius-lg);
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s;
    font-family: var(--font-body);
    font-size: 0.95rem;
    display: flex;
    align-items: center;
    gap: 8px;
}
.btn-outline:hover {
    border-color: var(--brand);
    color: var(--brand);
    background: rgba(107,115,57,0.04);
}

/* White variant for dark backgrounds (hero, CTA banners) */
.hero .btn-outline,
.cta-banner .btn-outline,
.page-hero .btn-outline {
    color: var(--text-white);
    border-color: rgba(255,255,255,0.3);
}
.hero .btn-outline:hover,
.cta-banner .btn-outline:hover,
.page-hero .btn-outline:hover {
    background: rgba(255,255,255,0.1);
    border-color: rgba(255,255,255,0.6);
    color: #fff;
}
.btn-lg {
    padding: 18px 36px;
    font-size: 1.05rem;
}

/* ── Hidden & Honeypot ── */
.hidden { display: none !important; }
.form-honeypot { position: absolute; left: -9999px; opacity: 0; }

/* ── Success Message ── */
.form-success-message {
    text-align: center;
    padding: 60px 20px;
}
.form-success-message .success-icon {
    font-size: 3.5rem;
    margin-bottom: 20px;
    animation: successBounce 0.6s ease;
}
@keyframes successBounce {
    0% { transform: scale(0); }
    60% { transform: scale(1.2); }
    100% { transform: scale(1); }
}
.form-success-message h3 {
    font-family: var(--font-display);
    font-size: 1.8rem;
    color: var(--brand);
    margin-bottom: 12px;
}
.form-success-message p {
    font-size: 1.05rem;
    color: var(--text-muted);
    max-width: 440px;
    margin: 0 auto;
    line-height: 1.7;
}
.form-success-message .btn {
    margin-top: 24px;
}

/* ── Field Validation Error ── */
.field-error {
    border-color: #e74c3c !important;
    box-shadow: 0 0 0 4px rgba(231, 76, 60, 0.12) !important;
    animation: fieldShake 0.4s ease;
}
@keyframes fieldShake {
    0%, 100% { transform: translateX(0); }
    20% { transform: translateX(-6px); }
    40% { transform: translateX(6px); }
    60% { transform: translateX(-4px); }
    80% { transform: translateX(4px); }
}
.btn-loading-text {
    display: inline-flex;
    align-items: center;
    gap: 8px;
}

/* ── Reverse Arrow ── */
.btn-arrow-left {
    transform: rotate(180deg);
}


/* ══════════════════════════════════════════════
   PRE-APPROVAL RESPONSIVE
   ══════════════════════════════════════════════ */

@media (max-width: 768px) {
    .page-hero {
        padding: 140px 0 60px;
    }
    .pre-approval-form {
        padding: 32px 24px;
    }
    .form-grid-2,
    .form-grid-3 {
        grid-template-columns: 1fr;
        gap: 16px;
    }
    .form-progress {
        gap: 0;
        padding: 0;
    }
    .progress-step span {
        font-size: 0.65rem;
    }
    .progress-dot {
        width: 32px;
        height: 32px;
        font-size: 0.75rem;
    }
    .progress-line {
        min-width: 20px;
    }
    .form-step-header h3 {
        font-size: 1.15rem;
    }
    .step-icon {
        width: 44px;
        height: 44px;
        font-size: 1.2rem;
    }
    .form-nav {
        flex-direction: column;
        gap: 12px;
    }
    .form-nav .btn {
        width: 100%;
        justify-content: center;
    }
    .btn-lg {
        padding: 16px 28px;
    }
}


/* ══════════════════════════════════════════════
   UTILITY CLASSES
   ══════════════════════════════════════════════ */

.logo-no-filter {
    filter: none !important;
}

.btn-arrow-back {
    transform: rotate(180deg);
}

.form-honeypot {
    position: absolute;
    left: -9999px;
    opacity: 0;
}

/* CTA Banner Section */
.cta-banner {
    padding: 80px 0;
    background: linear-gradient(135deg, var(--dark), #2A2D1E);
}
.cta-banner .container {
    text-align: center;
}
.cta-banner .section-title {
    color: #fff;
}
.cta-banner .section-subtitle {
    color: rgba(255,255,255,0.7);
    margin-bottom: 32px;
}
.cta-banner .cta-buttons {
    display: flex;
    gap: 16px;
    justify-content: center;
    flex-wrap: wrap;
}
.cta-banner .btn-outline {
    border-color: rgba(255,255,255,0.3);
    color: #fff;
}
.cta-banner .btn-outline:hover {
    border-color: rgba(255,255,255,0.6);
    background: rgba(255,255,255,0.08);
}