/* ═══════════════════════════════════════════════════════
   Joanna Herrera Loans — Styles
   Light professional theme for mortgage consulting
   ═══════════════════════════════════════════════════════ */

:root {
  /* --- Primary Palette (easy to swap when branding arrives) --- */
  --primary: #1a5276;
  --primary-dark: #133d59;
  --primary-light: #2980b9;
  --accent: #c9952b;
  --accent-dark: #a87a1f;
  --accent-light: #f0d48a;

  /* --- Light Theme --- */
  --dark: #1a1a2e;
  --text: #374151;
  --text-muted: #6b7280;
  --white: #ffffff;
  --bg-body: #ffffff;
  --bg-section: #f4f7fa;
  --bg-card: #ffffff;
  --border: rgba(26, 82, 118, 0.1);
  --shadow: 0 2px 20px rgba(0,0,0,0.06);
  --shadow-lg: 0 12px 40px rgba(0,0,0,0.1);

  /* --- Layout --- */
  --radius: 12px;
  --radius-lg: 20px;
  --max-w: 1200px;

  /* --- Typography --- */
  --font: 'Inter', 'Open Sans', sans-serif;
  --font-heading: 'Playfair Display', Georgia, serif;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  background: var(--bg-body);
  color: var(--text);
  line-height: 1.7;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--primary); text-decoration: none; transition: color .2s; }
a:hover { color: var(--accent); }

body.menu-open { overflow: hidden; }

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

/* ─── SVG ICONS ──────────────────────────────────────── */
.icon-svg {
  fill: none;
  stroke: currentColor;
  stroke-width: 1.5;
  stroke-linecap: round;
  stroke-linejoin: round;
}
.service-card__icon,
.feature-card__icon,
.loan-card__icon,
.mv-card__icon,
.value-card__icon { color: var(--primary); }

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

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

/* ─── NAV ─────────────────────────────────────────────── */
.nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: rgba(255,255,255,0.85);
  backdrop-filter: blur(12px);
  transition: background .3s, box-shadow .3s;
}
.nav.scrolled {
  background: rgba(255,255,255,0.97);
  box-shadow: 0 1px 20px rgba(0,0,0,0.08);
}
.nav__inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 80px;
}
.nav__logo {
  display: flex; align-items: center; gap: 12px;
  font-family: var(--font-heading);
  font-size: 1.15rem; font-weight: 700; color: var(--dark);
}
.nav__logo img { height: 40px; width: auto; }
.nav__logo:hover { color: var(--primary); }

.nav__links {
  list-style: none; display: flex; align-items: center; gap: 2px;
}
.nav__links a {
  color: var(--text); padding: 10px 14px; border-radius: 6px;
  font-size: .85rem; font-weight: 500; transition: all .2s;
  letter-spacing: .2px; white-space: nowrap;
}
.nav__links a:hover, .nav__links a.active {
  color: var(--primary);
}
.nav__cta {
  background: var(--primary) !important; color: var(--white) !important;
  border-radius: 50px !important; font-weight: 600 !important;
  padding: 10px 26px !important; font-size: .82rem !important;
  white-space: nowrap; margin-left: 4px;
}
.nav__cta:hover { background: var(--primary-dark) !important; }

.nav.menu-open {
  background: transparent !important;
  box-shadow: none !important;
  backdrop-filter: none !important;
}
.nav.menu-open .nav__logo { color: var(--white); }

.nav__toggle {
  display: none; flex-direction: column; gap: 5px;
  background: none; border: none; cursor: pointer; padding: 8px;
}
.nav__toggle span {
  width: 24px; height: 2px; background: var(--dark);
  transition: all .3s;
}

/* ─── HERO ────────────────────────────────────────────── */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex; align-items: center; justify-content: center;
  overflow: hidden;
  text-align: center;
  background: var(--dark);
}
.hero__bg {
  position: absolute; top: 0; left: 0; width: 100%; height: 100%;
  object-fit: cover; z-index: 0;
}
.hero__overlay {
  position: absolute; top: 0; left: 0; width: 100%; height: 100%;
  background: linear-gradient(180deg, rgba(26,26,46,0.4) 0%, rgba(26,26,46,0.65) 50%, rgba(26,26,46,0.85) 100%);
  z-index: 1;
}
.hero__content {
  position: relative; z-index: 2;
  max-width: 900px; padding: 0 24px;
}
.hero__tag {
  display: inline-block;
  background: rgba(255,255,255,0.12);
  color: var(--white);
  padding: 8px 24px; border-radius: 50px;
  font-size: .75rem; font-weight: 600;
  margin-bottom: 28px; letter-spacing: 1px;
  border: 1px solid rgba(255,255,255,0.2);
}
.hero h1 {
  font-family: var(--font-heading);
  font-size: 3.8rem; font-weight: 700;
  color: var(--white); line-height: 1.1;
  margin-bottom: 20px;
}
.hero h1 span { color: var(--accent-light); }
.hero p {
  font-size: 1.05rem; color: rgba(255,255,255,0.85);
  margin-bottom: 36px; max-width: 600px; margin-left: auto; margin-right: auto;
  line-height: 1.8;
}

/* Buttons */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 14px 32px; border-radius: 50px;
  font-size: .95rem; font-weight: 600;
  border: none; cursor: pointer;
  transition: all .25s;
  text-decoration: none;
  letter-spacing: .3px;
}
.btn--primary { background: var(--accent); color: var(--white); }
.btn--primary:hover { background: var(--accent-dark); transform: translateY(-2px); color: var(--white); }
.btn--outline {
  background: transparent; color: var(--white);
  border: 1.5px solid rgba(255,255,255,0.3);
}
.btn--outline:hover { background: var(--white); color: var(--dark); border-color: var(--white); }
.btn--secondary { background: var(--primary); color: var(--white); }
.btn--secondary:hover { background: var(--primary-dark); transform: translateY(-2px); color: var(--white); }
.btn-group { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* Button on light backgrounds */
.light-section .btn--outline {
  color: var(--primary);
  border-color: var(--primary);
}
.light-section .btn--outline:hover {
  background: var(--primary);
  color: var(--white);
  border-color: var(--primary);
}

/* ─── SECTIONS ────────────────────────────────────────── */
section { padding: 100px 0; }

.section-tag {
  display: inline-block;
  color: var(--primary);
  font-size: .7rem;
  font-weight: 600;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  margin-bottom: 24px;
  padding: 8px 24px;
  border: 1.5px solid var(--primary);
  border-radius: 50px;
}
.section-title {
  font-family: var(--font-heading);
  font-size: 2.8rem; font-weight: 700;
  color: var(--dark); margin-bottom: 24px;
  line-height: 1.15;
}
.section-desc {
  color: var(--text); font-size: 1.05rem;
  max-width: 640px; margin-bottom: 56px;
  line-height: 1.8;
}
.section-desc.centered { margin-left: auto; margin-right: auto; }

/* Alternating bg */
.bg-light { background: var(--bg-section); }

/* ─── TRUST BAR ──────────────────────────────────────── */
.trust-bar {
  padding: 48px 0;
  background: var(--primary);
  color: var(--white);
}
.trust-bar__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  text-align: center;
}
.trust-bar__item {
  display: flex; flex-direction: column; align-items: center; gap: 6px;
}
.trust-bar__icon {
  margin-bottom: 4px;
}
.trust-bar__label {
  font-size: .9rem; font-weight: 600; color: var(--white);
}
.trust-bar__sub {
  font-size: .78rem; color: rgba(255,255,255,0.7);
}

/* ─── SERVICES GRID ──────────────────────────────────── */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.service-card {
  background: var(--bg-card);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 36px 28px;
  text-align: center;
  transition: transform .3s, box-shadow .3s;
  box-shadow: var(--shadow);
  position: relative;
  overflow: hidden;
}
.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.service-card__icon {
  width: 64px; height: 64px;
  margin: 0 auto 20px;
  background: var(--bg-section);
  border-radius: 16px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.8rem;
}
.service-card h3 {
  font-size: 1.15rem; font-weight: 700; color: var(--dark);
  margin-bottom: 12px;
}
.service-card p { font-size: .9rem; color: var(--text); line-height: 1.7; }

/* ─── FEATURES / WHY US ──────────────────────────────── */
.features-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}
.feature-card {
  background: var(--bg-card);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 32px;
  transition: transform .3s, box-shadow .3s;
  box-shadow: var(--shadow);
  display: flex;
  gap: 20px;
  align-items: flex-start;
}
.feature-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
}
.feature-card__icon {
  width: 52px; height: 52px; flex-shrink: 0;
  background: rgba(26,82,118,0.08);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem;
}
.feature-card h3 {
  font-size: 1.05rem; font-weight: 700; color: var(--dark);
  margin-bottom: 8px;
}
.feature-card p { color: var(--text); font-size: .9rem; line-height: 1.7; }

/* ─── PROCESS STEPS ──────────────────────────────────── */
.process-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  position: relative;
  max-width: 900px;
  margin: 0 auto;
}
.process-step {
  text-align: center;
  position: relative;
  padding: 0 24px;
}
.process-step__number {
  font-size: 3.4rem;
  font-weight: 800;
  color: var(--accent);
  line-height: 1;
  margin-bottom: 20px;
  position: relative;
  display: inline-block;
}
.process-step__line {
  position: absolute;
  top: 28px;
  left: calc(50% + 40px);
  width: calc(100% - 80px);
  height: 2px;
  background: linear-gradient(90deg, var(--accent), rgba(201,149,43,0.15));
  opacity: 0;
}
.process-step:last-child .process-step__line { display: none; }
.process-step__title {
  color: var(--dark);
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: 10px;
}
.process-step__desc {
  color: var(--text-muted);
  font-size: .9rem;
  line-height: 1.7;
}
.process-step.is-visible .process-step__line {
  animation: lineGrow .8s .3s ease-out forwards;
}
@keyframes lineGrow {
  from { opacity: 0; transform: scaleX(0); transform-origin: left; }
  to   { opacity: 1; transform: scaleX(1); transform-origin: left; }
}
.process-step__number::after {
  content: '';
  position: absolute;
  bottom: -8px; left: 50%; transform: translateX(-50%);
  width: 8px; height: 8px;
  background: var(--accent);
  border-radius: 50%;
  opacity: 0;
}
.process-step.is-visible .process-step__number::after {
  opacity: 1;
  animation: pulseDot 2s ease-in-out infinite;
}
@keyframes pulseDot {
  0%, 100% { box-shadow: 0 0 0 0 rgba(201,149,43,.4); }
  50% { box-shadow: 0 0 0 8px rgba(201,149,43,0); }
}

/* ─── STATS ──────────────────────────────────────────── */
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 40px;
  text-align: center;
}
.stat__number {
  font-size: 2.6rem; font-weight: 800; color: var(--primary);
  line-height: 1;
}
.stat__label {
  font-size: .85rem; color: var(--text-muted); margin-top: 10px;
}

/* ─── TESTIMONIALS ───────────────────────────────────── */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}
.testimonial-card {
  background: var(--bg-card);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: var(--shadow);
  transition: transform .3s, box-shadow .3s;
}
.testimonial-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
}
.testimonial-card__stars { color: #f5a623; font-size: 1rem; margin-bottom: 16px; letter-spacing: 2px; }
.testimonial-card p { font-style: italic; color: var(--text); margin-bottom: 20px; font-size: .95rem; line-height: 1.7; }
.testimonial-card__author { font-weight: 700; color: var(--dark); font-size: .9rem; }
.testimonial-card__role { color: var(--text-muted); font-size: .8rem; margin-top: 2px; }

/* ─── CTA BANNER ─────────────────────────────────────── */
.cta-banner {
  background: var(--primary);
  padding: 80px 0;
  text-align: center;
  color: var(--white);
}
.cta-banner h2 {
  font-family: var(--font-heading);
  font-size: 2.4rem; font-weight: 700;
  color: var(--white); margin-bottom: 16px;
}
.cta-banner p {
  color: rgba(255,255,255,0.85);
  font-size: 1.05rem;
  max-width: 560px;
  margin: 0 auto 32px;
  line-height: 1.8;
}
.cta-banner .btn--primary { background: var(--accent); }
.cta-banner .btn--primary:hover { background: var(--accent-dark); }

/* ─── CONTACT ────────────────────────────────────────── */
.contact-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
}
.contact-item {
  text-align: center;
  transition: transform .3s;
}
.contact-item:hover { transform: translateY(-4px); }
.contact-item__icon {
  margin-bottom: 16px;
  display: flex; align-items: center; justify-content: center;
}
.contact-item__icon svg {
  width: 32px; height: 32px;
  stroke: var(--primary); stroke-width: 1.5;
  fill: none;
}
.contact-item h4 {
  color: var(--dark); font-size: 1.1rem; font-weight: 700; margin-bottom: 6px;
}
.contact-item p, .contact-item a { color: var(--text-muted); font-size: .95rem; }

/* ─── CONTACT FORM ───────────────────────────────────── */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  max-width: 700px;
  margin: 0 auto;
}
.form-grid .full-width { grid-column: 1 / -1; }
.form__input, .form__select, .form__textarea {
  width: 100%;
  padding: 14px 18px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-family: var(--font);
  font-size: .95rem;
  color: var(--dark);
  background: var(--bg-card);
  transition: border-color .2s, box-shadow .2s;
  outline: none;
}
.form__input:focus, .form__select:focus, .form__textarea:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(26,82,118,0.1);
}
.form__input::placeholder, .form__textarea::placeholder {
  color: var(--text-muted);
}
.form__textarea { resize: vertical; min-height: 120px; }
.form__select { cursor: pointer; }
.form__submit {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 16px 40px; border-radius: 50px;
  font-size: 1rem; font-weight: 600;
  border: none; cursor: pointer;
  background: var(--primary); color: var(--white);
  transition: all .25s;
  font-family: var(--font);
}
.form__submit:hover {
  background: var(--primary-dark);
  transform: translateY(-2px);
}
.form-success {
  text-align: center;
  padding: 40px;
}
.form-success h3 {
  color: var(--primary);
  font-family: var(--font-heading);
  font-size: 1.8rem;
  margin-bottom: 12px;
}
.form-success p {
  color: var(--text);
  font-size: 1.05rem;
}

/* ─── BUSINESS HOURS ─────────────────────────────────── */
.hours-card {
  max-width: 480px;
  margin: 0 auto;
  background: var(--bg-card);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: var(--shadow);
  text-align: center;
}
.hours-card h3 {
  color: var(--dark); font-size: 1.2rem; font-weight: 700;
  margin-bottom: 16px;
}
.hours-card__row {
  display: flex; justify-content: space-between;
  padding: 10px 0;
  border-bottom: 1px solid var(--border);
  font-size: .95rem;
}
.hours-card__row:last-of-type { border-bottom: none; }
.hours-card__day { color: var(--dark); font-weight: 600; }
.hours-card__time { color: var(--text-muted); }
.hours-card__note {
  margin-top: 16px;
  font-size: .85rem;
  color: var(--text-muted);
  font-style: italic;
}

/* ─── MAP EMBED ──────────────────────────────────────── */
.map-embed {
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  max-width: 900px;
  margin: 0 auto;
}
.map-embed iframe {
  width: 100%; height: 400px; border: 0;
}

/* ─── FOUNDER ────────────────────────────────────────── */
.founder-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 56px;
  align-items: center;
}
.founder__photo {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.founder__photo img {
  width: 100%; height: auto; display: block;
}
.founder__text h2 {
  font-family: var(--font-heading);
  font-size: 2.4rem; font-weight: 700;
  color: var(--dark); margin-bottom: 8px;
}
.founder__text .founder__role {
  color: var(--primary);
  font-size: .95rem; font-weight: 600;
  margin-bottom: 20px;
  display: block;
}
.founder__text p {
  color: var(--text); font-size: 1rem; line-height: 1.8;
  margin-bottom: 16px;
}

/* ─── MISSION / VISION CARDS ─────────────────────────── */
.mv-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}
.mv-card {
  background: var(--bg-card);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 36px;
  box-shadow: var(--shadow);
  text-align: center;
}
.mv-card__icon { font-size: 2rem; margin-bottom: 16px; }
.mv-card h3 {
  font-family: var(--font-heading);
  font-size: 1.4rem; font-weight: 700;
  color: var(--dark); margin-bottom: 14px;
}
.mv-card p { color: var(--text); font-size: .95rem; line-height: 1.8; }

/* ─── VALUES GRID ────────────────────────────────────── */
.values-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 24px;
}
.value-card {
  text-align: center;
  background: var(--bg-card);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 16px;
  box-shadow: var(--shadow);
  transition: transform .3s, box-shadow .3s;
}
.value-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.value-card__icon {
  width: 56px; height: 56px;
  margin: 0 auto 16px;
  background: rgba(26,82,118,0.06);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem;
}
.value-card h4 {
  font-size: .95rem; font-weight: 700; color: var(--dark);
  margin-bottom: 8px;
}
.value-card p {
  font-size: .8rem; color: var(--text-muted); line-height: 1.6;
}

/* ─── SERVICE LIST (two-col detail rows) ─────────────── */
.service-list {
  max-width: 1000px;
  margin: 0 auto;
}
.service-list__row {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 40px;
  align-items: start;
  padding: 32px 0;
  border-bottom: 1px solid var(--border);
}
.service-list__row:last-child { border-bottom: none; }
.service-list__title {
  font-family: var(--font-heading);
  font-size: 1.5rem; font-weight: 700;
  color: var(--dark); line-height: 1.3;
}
.service-list__desc {
  color: var(--text); font-size: 1rem; line-height: 1.7;
}

/* ─── LOAN TYPES GRID ────────────────────────────────── */
.loan-types-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.loan-card {
  background: var(--bg-card);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 24px;
  text-align: center;
  box-shadow: var(--shadow);
  transition: transform .3s, box-shadow .3s;
}
.loan-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.loan-card__icon {
  width: 52px; height: 52px;
  margin: 0 auto 16px;
  background: rgba(26,82,118,0.06);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem;
}
.loan-card h3 {
  font-size: 1.05rem; font-weight: 700; color: var(--dark);
  margin-bottom: 8px;
}
.loan-card p { font-size: .85rem; color: var(--text-muted); line-height: 1.6; }

/* ─── FAQ ACCORDION ──────────────────────────────────── */
.faq-list { max-width: 800px; margin: 0 auto; }
.faq-item {
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: 12px;
  overflow: hidden;
  background: var(--bg-card);
  box-shadow: var(--shadow);
}
.faq-item__q {
  width: 100%; background: transparent;
  border: none; padding: 20px 24px;
  text-align: left; cursor: pointer;
  color: var(--dark); font-size: 1rem; font-weight: 600;
  display: flex; justify-content: space-between; align-items: center;
  transition: background .2s;
  font-family: var(--font);
}
.faq-item__q:hover { background: var(--bg-section); }
.faq-item__q::after { content: '+'; font-size: 1.3rem; color: var(--primary); transition: transform .3s; }
.faq-item.open .faq-item__q::after { transform: rotate(45deg); }
.faq-item__a {
  max-height: 0; overflow: hidden;
  transition: max-height .4s cubic-bezier(.25,.46,.45,.94), padding .3s;
  padding: 0 24px;
  color: var(--text); font-size: .95rem;
  line-height: 1.8;
  border-top: 1px solid transparent;
}
.faq-item.open .faq-item__a {
  max-height: 400px;
  padding: 20px 24px 28px;
  border-top: 1px solid var(--border);
}

/* ─── FOOTER ─────────────────────────────────────────── */
.footer {
  background: var(--dark);
  padding: 64px 0 32px;
  color: rgba(255,255,255,0.7);
}
.footer__inner {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  padding-bottom: 32px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer__brand p {
  color: rgba(255,255,255,0.5);
  font-size: .85rem;
  margin-top: 16px;
  line-height: 1.6;
}
.footer__logo {
  font-family: var(--font-heading);
  font-size: 1.2rem; font-weight: 700; color: var(--white);
}
.footer__logo img { height: 32px; width: auto; }
.footer__nav {
  display: flex;
  gap: 28px;
  align-items: center;
}
.footer__nav a {
  color: rgba(255,255,255,0.5);
  font-size: .85rem;
  font-weight: 500;
  transition: color .2s;
}
.footer__nav a:hover { color: var(--white); }
.footer__contact {
  text-align: right;
}
.footer__contact p {
  font-size: .85rem;
  color: rgba(255,255,255,0.5);
  margin-bottom: 4px;
}
.footer__contact a {
  color: rgba(255,255,255,0.7);
  font-size: .85rem;
}
.footer__contact a:hover { color: var(--white); }
.footer__bottom {
  padding-top: 24px;
  text-align: center;
}
.footer__bottom p {
  color: rgba(255,255,255,0.35);
  font-size: .75rem;
  letter-spacing: .5px;
}

/* ─── PAGE HERO (subpages) ───────────────────────────── */
.page-hero {
  padding: 160px 0 80px;
  text-align: center;
  background: var(--dark);
}
.page-hero h1 {
  font-family: var(--font-heading);
  font-size: 3rem; font-weight: 700; color: var(--white);
  margin-bottom: 16px;
  line-height: 1.12;
}
.page-hero p {
  color: rgba(255,255,255,0.75); font-size: 1.05rem;
  max-width: 600px; margin: 0 auto;
  line-height: 1.7;
}

/* ─── RESPONSIVE ─────────────────────────────────────── */
@media (max-width: 992px) {
  .hero h1 { font-size: 2.8rem; }
  .section-title { font-size: 2.2rem; }
  .features-grid, .testimonials-grid, .mv-grid { grid-template-columns: 1fr; }
  .services-grid, .loan-types-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; gap: 24px; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 24px; }
  .trust-bar__grid { grid-template-columns: repeat(2, 1fr); gap: 20px; }
  .process-steps { grid-template-columns: 1fr; gap: 48px; }
  .process-step__line { display: none; }
  .values-grid { grid-template-columns: repeat(3, 1fr); }
  .founder-grid { grid-template-columns: 1fr; gap: 40px; text-align: center; }
  .founder__photo { max-width: 400px; margin: 0 auto; }
  .form-grid { grid-template-columns: 1fr; }

  /* Fullscreen mobile menu */
  .nav__logo { position: relative; z-index: 3; }
  .nav__toggle {
    display: flex;
    position: relative;
    z-index: 3;
  }
  .nav__toggle span {
    transition: transform .35s ease, opacity .25s ease, background .3s;
  }
  .nav__toggle.active span { background: var(--white); }
  .nav__toggle.active span:nth-child(1) {
    transform: rotate(45deg) translate(5px, 5px);
  }
  .nav__toggle.active span:nth-child(2) { opacity: 0; }
  .nav__toggle.active span:nth-child(3) {
    transform: rotate(-45deg) translate(5px, -5px);
  }

  .nav__links {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 100vh;
    height: 100dvh;
    z-index: 2;
    background: var(--dark);
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 0;
    padding: 80px 0 40px;
    box-sizing: border-box;
    border-bottom: none;
    box-shadow: none;
    opacity: 0;
    visibility: hidden;
    transition: opacity .4s cubic-bezier(.4,0,.2,1), visibility .4s;
  }
  .nav__links.open {
    opacity: 1;
    visibility: visible;
  }
  .nav__links li {
    list-style: none;
    opacity: 0;
    transform: translateY(24px);
    transition: opacity .25s ease, transform .25s ease;
    transition-delay: 0s;
  }
  .nav__links.open li {
    opacity: 1;
    transform: translateY(0);
  }
  .nav__links.open li:nth-child(1) { transition-delay: .08s; }
  .nav__links.open li:nth-child(2) { transition-delay: .14s; }
  .nav__links.open li:nth-child(3) { transition-delay: .20s; }
  .nav__links.open li:nth-child(4) { transition-delay: .26s; }
  .nav__links.open li:nth-child(5) { transition-delay: .34s; }

  .nav__links a {
    color: rgba(255,255,255,0.65);
    font-size: 1.6rem;
    font-weight: 600;
    padding: 14px 0;
    font-family: var(--font-heading);
  }
  .nav__links a:hover,
  .nav__links a.active {
    color: var(--white);
  }
  .nav__links .nav__cta {
    margin-top: 32px;
    background: var(--accent) !important;
    color: var(--white) !important;
    font-size: 1rem !important;
    font-family: var(--font) !important;
    padding: 14px 36px !important;
  }
  .nav__links .nav__cta:hover {
    background: var(--accent-dark) !important;
  }

  .footer__inner {
    flex-direction: column;
    gap: 32px;
    align-items: center;
    text-align: center;
  }
  .footer__contact { text-align: center; }

  .service-list__row {
    grid-template-columns: 1fr;
    gap: 8px;
    padding: 20px 0;
  }
}

@media (max-width: 600px) {
  .hero h1 { font-size: 2.2rem; }
  .hero p { font-size: 1rem; }
  section { padding: 72px 0; }
  .section-title { font-size: 1.8rem; }
  .page-hero { padding: 130px 0 60px; }
  .page-hero h1 { font-size: 2.2rem; }
  .values-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: 1fr; }
  .trust-bar__grid { grid-template-columns: 1fr; }
  .footer__nav { flex-wrap: wrap; gap: 16px; justify-content: center; }
  .map-embed iframe { height: 280px; }
  .cta-banner h2 { font-size: 1.8rem; }
}

/* ═══════════════════════════════════════════════════════
   WOW EFFECTS
   ═══════════════════════════════════════════════════════ */

/* ─── SHIMMER ON CARDS (hover light sweep) ──────────── */
.service-card,
.loan-card,
.value-card,
.feature-card,
.testimonial-card,
.mv-card { position: relative; overflow: hidden; }

.service-card::before,
.loan-card::before,
.value-card::before,
.feature-card::before,
.testimonial-card::before,
.mv-card::before {
  content: '';
  position: absolute;
  top: 0; left: -75%;
  width: 50%; height: 100%;
  background: linear-gradient(
    120deg,
    transparent 0%,
    rgba(255,255,255,0) 30%,
    rgba(255,255,255,0.45) 50%,
    rgba(255,255,255,0) 70%,
    transparent 100%
  );
  transform: skewX(-25deg);
  z-index: 1;
  pointer-events: none;
}
.service-card:hover::before,
.loan-card:hover::before,
.value-card:hover::before,
.feature-card:hover::before,
.testimonial-card:hover::before,
.mv-card:hover::before {
  animation: shimmerSweep .65s ease-out forwards;
}
@keyframes shimmerSweep {
  from { left: -75%; }
  to   { left: 125%; }
}

/* ─── GOLD UNDERLINE ON SECTION TITLES ──────────────── */
.section-title {
  position: relative;
  padding-bottom: 18px;
}
.section-title::after {
  content: '';
  position: absolute;
  bottom: 0; left: 50%;
  transform: translateX(-50%) scaleX(0);
  width: 56px; height: 3px;
  background: linear-gradient(90deg, var(--accent-light), var(--accent), var(--accent-light));
  border-radius: 2px;
  transition: transform .7s cubic-bezier(.25,.46,.45,.94);
  transform-origin: center;
}
.section-title.is-visible::after {
  transform: translateX(-50%) scaleX(1);
}

/* ═══════════════════════════════════════════════════════
   ANIMATIONS
   ═══════════════════════════════════════════════════════ */

@keyframes fadeInUp {
  from { opacity: 0; transform: translate3d(0, 40px, 0); }
  to   { opacity: 1; transform: translate3d(0, 0, 0); }
}
@keyframes fadeInDown {
  from { opacity: 0; transform: translate3d(0, -30px, 0); }
  to   { opacity: 1; transform: translate3d(0, 0, 0); }
}
@keyframes fadeInLeft {
  from { opacity: 0; transform: translate3d(-40px, 0, 0); }
  to   { opacity: 1; transform: translate3d(0, 0, 0); }
}
@keyframes fadeInRight {
  from { opacity: 0; transform: translate3d(40px, 0, 0); }
  to   { opacity: 1; transform: translate3d(0, 0, 0); }
}
@keyframes fadeIn {
  from { opacity: 0; }
  to   { opacity: 1; }
}
@keyframes scaleIn {
  from { opacity: 0; transform: scale(0.85); }
  to   { opacity: 1; transform: scale(1); }
}
@keyframes zoomBounce {
  0%   { opacity: 0; transform: scale(0.6); }
  70%  { transform: scale(1.05); }
  100% { opacity: 1; transform: scale(1); }
}

.anim {
  opacity: 0;
  will-change: opacity, transform;
}
.anim.is-visible {
  animation-duration: 0.7s;
  animation-fill-mode: both;
  animation-timing-function: cubic-bezier(0.25, 0.46, 0.45, 0.94);
}
.anim.is-visible.anim--up    { animation-name: fadeInUp; }
.anim.is-visible.anim--down  { animation-name: fadeInDown; }
.anim.is-visible.anim--left  { animation-name: fadeInLeft; }
.anim.is-visible.anim--right { animation-name: fadeInRight; }
.anim.is-visible.anim--fade  { animation-name: fadeIn; }
.anim.is-visible.anim--scale { animation-name: scaleIn; }
.anim.is-visible.anim--zoom  { animation-name: zoomBounce; }

/* Hero entrance (page load) */
.hero__content > *:nth-child(1),
.page-hero > *:nth-child(1) { animation: fadeInDown .8s .15s both; }
.hero__content > *:nth-child(2),
.page-hero > *:nth-child(2) { animation: fadeInUp .8s .35s both; }
.hero__content > *:nth-child(3),
.page-hero > *:nth-child(3) { animation: fadeInUp .8s .50s both; }
.hero__content > *:nth-child(4),
.page-hero > *:nth-child(4) { animation: fadeInUp .8s .65s both; }

/* Button arrow reveal */
.btn--primary::after,
.btn--secondary::after {
  content: '\2192';
  display: inline-block;
  opacity: 0;
  max-width: 0;
  overflow: hidden;
  transition: opacity .3s, max-width .3s, margin-left .3s;
  margin-left: 0;
}
.btn--primary:hover::after,
.btn--secondary:hover::after {
  opacity: 1;
  max-width: 20px;
  margin-left: 6px;
}

/* About GRC Section */
.about-grc {
  padding: 80px 0;
  background: var(--bg-section);
}
.about-grc__header {
  text-align: center;
  margin-bottom: 48px;
}
.about-grc__inner {
  display: flex;
  align-items: center;
  gap: 48px;
  max-width: 960px;
  margin: 0 auto;
}
.about-grc__logo-wrap {
  flex: 0 0 auto;
}
.about-grc__logo-wrap img {
  width: 330px;
  height: auto;
  display: block;
}
.about-grc__divider {
  width: 3px;
  align-self: stretch;
  background: linear-gradient(180deg, transparent, var(--primary), transparent);
  border-radius: 2px;
  flex-shrink: 0;
}
.about-grc__desc {
  flex: 1;
  font-size: 1.08rem;
  line-height: 1.85;
  color: var(--text);
}
@media (max-width: 768px) {
  .about-grc__inner {
    flex-direction: column;
    gap: 28px;
    text-align: center;
  }
  .about-grc__logo-wrap img {
    width: 270px;
    margin: 0 auto;
  }
  .about-grc__divider {
    width: 60px;
    height: 3px;
    align-self: auto;
    background: linear-gradient(90deg, transparent, var(--primary), transparent);
  }
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
  .anim { opacity: 1; }
  .anim.is-visible { animation: none; opacity: 1; }
  .hero__content > *, .page-hero > * { animation: none !important; opacity: 1; }
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
}