/* ==========================================================================
   A1FUNDER, LLC - PREMIUM DESIGN SYSTEM (VIP CUSTOM THEMING)
   Inspired by Buildnest, Rooftic, & Metallex Aesthetics
   ========================================================================== */

/* Global Custom CSS Variables & Design Tokens */
:root {
    /* Typographic Fonts */
    --font-heading: 'Montserrat', sans-serif;
    --font-body: 'Inter', sans-serif;

    /* Curated Premium Color Palette */
    --primary-blue: #0B2147;       /* Royal Deep Blue */
    --secondary-blue: #061124;     /* Dark Charcoal/Midnight Navy */
    --accent-gold: #D4AF37;        /* Bright Metallic Gold */
    --accent-gold-hover: #C5A059;  /* Soft Sand/Champagne Gold */
    --accent-gold-rgb: 212, 175, 55;
    
    /* Backgrounds & Off-Whites */
    --bg-white: #FFFFFF;
    --bg-ice: #F5F7FA;             /* Ice White (Premium Section Bg) */
    --bg-dark-card: #0F254B;        /* Lighter Dark Navy for Card Nesting */
    
    /* Body Text & Grays */
    --text-dark: #1E293B;          /* Charcoal Slate */
    --text-muted: #64748B;         /* Cool Gray */
    --text-light: #E2E8F0;         /* Slate light */
    --text-light-muted: #94A3B8;
    
    /* Design Details */
    --border-radius-sm: 4px;
    --border-radius-md: 12px;
    --border-radius-lg: 24px;
    --transition-smooth: all 0.4s cubic-bezier(0.16, 1, 0.3, 1);
    --transition-bounce: all 0.5s cubic-bezier(0.175, 0.885, 0.32, 1.275);
    
    /* Premium Shadows & Glows */
    --shadow-sm: 0 4px 6px -1px rgba(9, 21, 40, 0.05);
    --shadow-md: 0 10px 15px -3px rgba(9, 21, 40, 0.08), 0 4px 6px -2px rgba(9, 21, 40, 0.03);
    --shadow-lg: 0 20px 25px -5px rgba(9, 21, 40, 0.12), 0 10px 10px -5px rgba(9, 21, 40, 0.04);
    --shadow-gold-glow: 0 0 20px rgba(var(--accent-gold-rgb), 0.25);
    --shadow-gold-heavy: 0 0 35px rgba(var(--accent-gold-rgb), 0.45);
    --shadow-glass: 0 8px 32px 0 rgba(9, 21, 40, 0.3);
}

/* Base Elements & Standard Resets */
* {
    margin: 0;
    padding: 0;
    box-shadow: none;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    overflow-x: hidden;
}

body {
    font-family: var(--font-body);
    font-size: 16px;
    line-height: 1.65;
    color: var(--text-dark);
    background-color: var(--bg-white);
    overflow-x: hidden;
    position: relative;
}

h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-heading);
    font-weight: 700;
    color: var(--primary-blue);
    line-height: 1.25;
}

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

/* ==========================================================================
   AMBIENT GLOW EFFECTS (VIP PORTAL BACKGROUNDS)
   ========================================================================== */
.ambient-glow-orb {
    position: absolute;
    width: 600px;
    height: 600px;
    border-radius: 50%;
    filter: blur(150px);
    z-index: -2;
    opacity: 0.18;
    pointer-events: none;
    animation: floatOrb 25s infinite alternate ease-in-out;
}

.orb-1 {
    background-color: var(--primary-blue);
    top: 5%;
    left: -10%;
}

.orb-2 {
    background-color: var(--accent-gold);
    top: 35%;
    right: -15%;
    animation-delay: -5s;
}

.orb-3 {
    background-color: var(--primary-blue);
    bottom: 10%;
    left: 20%;
    animation-delay: -10s;
}

@keyframes floatOrb {
    0% {
        transform: translate(0, 0) scale(1);
    }
    100% {
        transform: translate(80px, 60px) scale(1.15);
    }
}

/* ==========================================================================
   REUSABLE UTILITIES & SECTION WRAPPERS
   ========================================================================== */
.container {
    width: 100%;
    max-width: 1240px;
    margin: 0 auto;
    padding: 0 24px;
}

.grid {
    display: grid;
    gap: 30px;
}

.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

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

.section-tag {
    display: inline-block;
    font-size: 0.8rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 2px;
    color: var(--accent-gold);
    margin-bottom: 12px;
}

.section-title {
    font-size: 2.5rem;
    color: var(--primary-blue);
    margin-bottom: 20px;
    font-weight: 800;
}

.text-white {
    color: var(--bg-white) !important;
}

.title-divider {
    width: 60px;
    height: 4px;
    background-color: var(--primary-blue);
    margin: 0 auto 24px 0; /* Left aligned by default */
}

.text-center .title-divider {
    margin: 0 auto 24px auto; /* Centered */
}

.gold-divider {
    background-color: var(--accent-gold) !important;
}

.section-desc {
    font-size: 1.1rem;
    color: var(--text-muted);
    max-width: 800px;
    margin-bottom: 40px;
}

.text-light {
    color: var(--text-light) !important;
}

/* Glassmorphism Cards styling */
.card-glass {
    background: rgba(255, 255, 255, 0.03);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    border: 1px solid rgba(255, 255, 255, 0.05);
    box-shadow: var(--shadow-glass);
}

.card {
    background-color: var(--bg-white);
    border-radius: var(--border-radius-md);
    box-shadow: var(--shadow-md);
    transition: var(--transition-smooth);
    border: 1px solid rgba(9, 21, 40, 0.05);
}

.card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
}

/* Premium Highlight Accents */
.text-gold {
    color: var(--accent-gold) !important;
}

.glow-text {
    text-shadow: 0 0 15px rgba(var(--accent-gold-rgb), 0.3);
}

.text-underline {
    position: relative;
    white-space: nowrap;
}

.text-underline::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 100%;
    height: 3px;
    background-color: var(--accent-gold);
}

/* Premium Buttons & Hover Micro-Animations */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    font-family: var(--font-body);
    font-weight: 700;
    font-size: 0.95rem;
    padding: 14px 28px;
    border-radius: var(--border-radius-sm);
    cursor: pointer;
    transition: var(--transition-smooth);
    border: 2px solid transparent;
}

.btn-primary {
    background-color: var(--accent-gold);
    color: var(--secondary-blue);
    box-shadow: var(--shadow-gold-glow);
}

.btn-primary:hover {
    background-color: var(--accent-gold-hover);
    transform: translateY(-2px);
    box-shadow: var(--shadow-gold-heavy);
}

.btn-outline-white {
    background-color: transparent;
    color: var(--bg-white);
    border-color: rgba(255, 255, 255, 0.25);
}

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

.btn-gold-outline {
    background-color: transparent;
    color: var(--accent-gold);
    border-color: var(--accent-gold);
}

.btn-gold-outline:hover {
    background-color: var(--accent-gold);
    color: var(--secondary-blue);
    box-shadow: var(--shadow-gold-glow);
}

.btn-block {
    display: flex;
    width: 100%;
}

/* Pulsing Action Animation */
.pulse-btn {
    position: relative;
}

.pulse-btn::after {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    border-radius: var(--border-radius-sm);
    box-shadow: 0 0 0 0 rgba(var(--accent-gold-rgb), 0.6);
    animation: buttonPulse 2.5s infinite;
}

@keyframes buttonPulse {
    0% {
        box-shadow: 0 0 0 0 rgba(var(--accent-gold-rgb), 0.6);
    }
    70% {
        box-shadow: 0 0 0 15px rgba(var(--accent-gold-rgb), 0);
    }
    100% {
        box-shadow: 0 0 0 0 rgba(var(--accent-gold-rgb), 0);
    }
}


/* ==========================================================================
   TOPBAR & HEADER STYLING (METALLEX & BUILDNEST INSPIRED)
   ========================================================================== */
.topbar {
    background-color: var(--secondary-blue);
    color: var(--text-light-muted);
    font-size: 0.82rem;
    padding: 10px 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.05);
}

.topbar-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.topbar-left, .topbar-right {
    display: flex;
    gap: 24px;
    align-items: center;
}

.topbar-left span i, .topbar-right a i {
    color: var(--accent-gold);
    margin-right: 4px;
}

.topbar-right a:hover {
    color: var(--accent-gold);
}

/* Sticky Main Header Layout */
.main-header {
    background-color: rgba(255, 255, 255, 0.92);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    padding: 18px 0;
    position: sticky;
    top: 0;
    z-index: 100;
    border-bottom: 1px solid rgba(9, 21, 40, 0.06);
    transition: var(--transition-smooth);
}

/* Class added when header scrolls */
.main-header.scrolled {
    padding: 12px 0;
    background-color: rgba(9, 21, 40, 0.95);
    border-bottom-color: rgba(255, 255, 255, 0.05);
}

.main-header.scrolled h1,
.main-header.scrolled .logo-bold,
.main-header.scrolled .logo-light,
.main-header.scrolled .logo-slogan-inline,
.main-header.scrolled .nav-link {
    color: var(--bg-white);
}

.main-header.scrolled .nav-link.active {
    color: var(--accent-gold);
}

.header-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.logo-area {
    display: flex;
    flex-direction: column;
}

.logo {
    font-size: 1.6rem;
    font-family: var(--font-heading);
    font-weight: 800;
    color: var(--primary-blue);
    letter-spacing: -0.5px;
}

.logo-bold {
    color: var(--primary-blue);
}

.logo-light {
    color: var(--accent-gold);
}

.logo-slogan-inline {
    font-size: 0.65rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 2px;
    color: var(--text-muted);
    margin-top: -2px;
}

/* Menu Links */
.nav-menu ul {
    list-style: none;
    display: flex;
    gap: 30px;
}

.nav-link {
    font-size: 0.92rem;
    font-weight: 700;
    color: var(--primary-blue);
    padding: 6px 0;
    position: relative;
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background-color: var(--accent-gold);
    transition: var(--transition-smooth);
}

.nav-link:hover::after, .nav-link.active::after {
    width: 100%;
}

.nav-link:hover, .nav-link.active {
    color: var(--accent-gold);
}

.mobile-nav-toggle {
    display: none;
    background: none;
    border: none;
    color: var(--primary-blue);
    font-size: 1.5rem;
    cursor: pointer;
}

/* ==========================================================================
   HERO BANNER SECTION (VIP SPLIT LAYOUT STYLE)
   ========================================================================== */
.hero-section {
    background-color: var(--secondary-blue);
    color: var(--bg-white);
    padding: 100px 0 140px 0;
    position: relative;
    overflow: hidden;
}

.hero-bg-overlay {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: radial-gradient(circle at 60% 30%, rgba(11, 33, 71, 0.4) 0%, rgba(6, 17, 36, 0.95) 100%);
    z-index: 1;
}

.hero-container {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 60px;
    align-items: center;
}

.hero-content {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
}

.trust-badge {
    display: flex;
    align-items: center;
    gap: 8px;
    background-color: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.1);
    padding: 8px 16px;
    border-radius: 50px;
    font-size: 0.8rem;
    font-weight: 700;
    letter-spacing: 0.5px;
    margin-bottom: 24px;
}

.hero-title {
    font-size: 3.5rem;
    font-weight: 800;
    line-height: 1.15;
    color: var(--bg-white);
    margin-bottom: 24px;
}

.hero-subtitle {
    font-size: 1.15rem;
    color: var(--text-light-muted);
    margin-bottom: 35px;
    line-height: 1.6;
}

.hero-actions {
    display: flex;
    gap: 16px;
    margin-bottom: 45px;
    flex-wrap: wrap;
}

.hero-ratings {
    display: flex;
    align-items: center;
    gap: 12px;
}

.rating-stars {
    display: flex;
    align-items: center;
    gap: 4px;
    color: var(--accent-gold);
}

.rating-score {
    font-weight: 800;
    color: var(--bg-white);
    margin-left: 8px;
}

.rating-text {
    font-size: 0.88rem;
    color: var(--text-light-muted);
}

/* Hero Right Side Graphic */
.hero-image-wrapper {
    position: relative;
    padding: 20px;
}

.hero-main-img {
    width: 100%;
    height: auto;
    border-radius: var(--border-radius-md);
    border: 1px solid rgba(255, 255, 255, 0.1);
    box-shadow: var(--shadow-lg);
    display: block;
}

/* Floating Widgets Overlay */
.floating-widget {
    position: absolute;
    background-color: var(--bg-white);
    padding: 16px 24px;
    border-radius: var(--border-radius-md);
    box-shadow: var(--shadow-lg);
    display: flex;
    align-items: center;
    gap: 16px;
    color: var(--secondary-blue);
    z-index: 3;
    animation: floatWidget 6s infinite alternate ease-in-out;
}

.closed-deals-widget {
    top: 10%;
    left: -10%;
}

.rate-widget {
    bottom: 12%;
    right: -5%;
    animation-delay: -3s;
}

.widget-icon {
    width: 45px;
    height: 45px;
    background-color: rgba(var(--accent-gold-rgb), 0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.25rem;
    color: var(--accent-gold);
}

.widget-label {
    display: block;
    font-size: 0.72rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: var(--text-muted);
}

.widget-value {
    font-size: 1.35rem;
    font-family: var(--font-heading);
    font-weight: 800;
    color: var(--primary-blue);
}

@keyframes floatWidget {
    0% { transform: translateY(0); }
    100% { transform: translateY(-15px); }
}

/* ==========================================================================
   TRUST BADGES & PARTNER ROW
   ========================================================================== */
.trust-bar-section {
    background-color: var(--secondary-blue);
    padding: 40px 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.05);
}

.trust-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 16px;
    color: var(--bg-white);
}

.trust-item i {
    font-size: 2rem;
    color: var(--accent-gold);
}

.trust-item h4 {
    font-size: 0.95rem;
    font-weight: 800;
    color: var(--bg-white);
    margin-bottom: 2px;
}

.trust-item p {
    font-size: 0.8rem;
    color: var(--text-light-muted);
}

/* ==========================================================================
   STRATEGIC PHILOSOPHY SECTION (WHO WE ARE - OVERLAPPING STACK)
   ========================================================================== */
.about-section {
    padding: 120px 0;
    background-color: var(--bg-white);
}

.about-stats-graphic {
    position: relative;
    height: 480px;
}

/* Off-set stack of three statistic cards */
.stats-card {
    position: absolute;
    width: 280px;
    padding: 30px;
    border-radius: var(--border-radius-md);
    box-shadow: var(--shadow-lg);
    transition: var(--transition-bounce);
}

.stats-card:hover {
    transform: scale(1.05) translateY(-5px);
    z-index: 10;
}

.stats-num {
    font-family: var(--font-heading);
    font-size: 3rem;
    font-weight: 800;
    margin-bottom: 8px;
    line-height: 1;
}

.stats-card h4 {
    font-size: 1.05rem;
    font-weight: 800;
    margin-bottom: 8px;
}

.stats-card p {
    font-size: 0.85rem;
    line-height: 1.5;
}

/* Offset positioning details */
.card-1 {
    top: 0;
    left: 5%;
    z-index: 3;
    border-top: 4px solid var(--primary-blue);
    background-color: var(--bg-ice);
}

.card-1 .stats-num { color: var(--primary-blue); }
.card-1 h4 { color: var(--primary-blue); }
.card-1 p { color: var(--text-muted); }

.card-2 {
    top: 15%;
    right: 5%;
    z-index: 2;
    background-color: var(--accent-gold);
    color: var(--secondary-blue);
}

.card-2 .stats-num { color: var(--secondary-blue); }
.card-2 h4 { color: var(--secondary-blue); }

.card-3 {
    bottom: 5%;
    left: 15%;
    z-index: 1;
    background-color: var(--secondary-blue);
    color: var(--bg-white);
}

.card-3 .stats-num { color: var(--accent-gold); }
.card-3 h4 { color: var(--bg-white); }
.card-3 p { color: var(--text-light-muted); }

/* Right Narrative block details */
.about-checks {
    display: flex;
    flex-direction: column;
    gap: 16px;
    margin-top: 30px;
    margin-bottom: 30px;
}

.check-item {
    display: flex;
    align-items: center;
    gap: 12px;
    font-weight: 700;
    color: var(--primary-blue);
}

.check-item i {
    font-size: 1.15rem;
}

.philosophy-disclaimer {
    margin-top: 25px;
}

.disclaimer-text {
    font-size: 0.82rem;
    line-height: 1.5;
    color: var(--text-muted);
}

.disclaimer-text i {
    color: var(--accent-gold);
    margin-right: 4px;
}

/* ==========================================================================
   LOAN PROGRAMS SECTION (VIP TABS & DETAILS SYSTEM)
   ========================================================================== */
.programs-section {
    background-color: var(--secondary-blue);
    padding: 120px 0;
    position: relative;
}

.tab-buttons-container {
    display: flex;
    justify-content: center;
    gap: 16px;
    margin-bottom: 60px;
    flex-wrap: wrap;
}

.tab-btn {
    background-color: rgba(255, 255, 255, 0.03);
    color: var(--bg-white);
    border: 1px solid rgba(255, 255, 255, 0.1);
    padding: 14px 28px;
    border-radius: var(--border-radius-sm);
    font-family: var(--font-body);
    font-weight: 700;
    font-size: 0.95rem;
    cursor: pointer;
    transition: var(--transition-smooth);
}

.tab-btn:hover {
    border-color: var(--accent-gold);
    color: var(--accent-gold);
}

.tab-btn.active {
    background-color: var(--accent-gold);
    color: var(--secondary-blue);
    border-color: var(--accent-gold);
    box-shadow: var(--shadow-gold-glow);
}

/* Hide inactive tab contents by default */
.tab-content {
    display: none;
}

.tab-content.active {
    display: block;
    animation: tabFadeReveal 0.6s forwards cubic-bezier(0.16, 1, 0.3, 1);
}

@keyframes tabFadeReveal {
    from {
        opacity: 0;
        transform: translateY(20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

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

.program-card {
    background-color: var(--bg-dark-card);
    border: 1px solid rgba(255, 255, 255, 0.05);
    padding: 40px;
    position: relative;
    border-radius: var(--border-radius-md);
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    height: 100%;
}

.program-card:hover {
    border-color: var(--accent-gold);
    transform: translateY(-8px);
    box-shadow: var(--shadow-gold-glow);
}

.program-badge {
    position: absolute;
    top: 20px;
    right: 30px;
    font-size: 0.72rem;
    font-weight: 800;
    background-color: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.1);
    color: var(--text-light-muted);
    padding: 4px 10px;
    border-radius: 4px;
}

.program-header {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-bottom: 20px;
}

.program-icon {
    width: 50px;
    height: 50px;
    background-color: rgba(var(--accent-gold-rgb), 0.1);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.4rem;
    color: var(--accent-gold);
}

.program-header h3 {
    font-size: 1.4rem;
    color: var(--bg-white);
    font-weight: 800;
}

.program-summary {
    font-size: 0.95rem;
    color: var(--text-light-muted);
    margin-bottom: 25px;
    line-height: 1.5;
}

.program-features-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 12px;
    margin-bottom: 30px;
}

.program-features-list li {
    font-size: 0.92rem;
    color: var(--text-light);
    padding-bottom: 8px;
    border-bottom: 1px dashed rgba(255, 255, 255, 0.08);
}

.program-features-list li strong {
    color: var(--accent-gold);
    font-weight: 600;
}

.waterfall-list {
    list-style: none;
    margin-left: 20px;
    margin-top: 8px;
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.waterfall-list li {
    font-size: 0.85rem;
    color: var(--text-light-muted);
    border-bottom: none;
    padding-bottom: 0;
    position: relative;
}

.waterfall-list li::before {
    content: '→';
    color: var(--accent-gold);
    position: absolute;
    left: -15px;
}

.program-card-footer {
    border-top: 1px solid rgba(255, 255, 255, 0.05);
    padding-top: 15px;
    margin-top: auto;
}

.card-disclaimer {
    font-size: 0.72rem;
    color: var(--text-light-muted);
    line-height: 1.4;
}

.card-disclaimer i {
    color: var(--accent-gold);
}

/* ==========================================================================
   BANK COMPARISON TABLE (BUILDNEST TABLE UI)
   ========================================================================== */
.comparison-section {
    padding: 120px 0;
    background-color: var(--bg-ice);
}

.table-responsive {
    overflow-x: auto;
    background-color: var(--bg-white);
    border-radius: var(--border-radius-md);
    box-shadow: var(--shadow-md);
    border: 1px solid rgba(9, 21, 40, 0.06);
    margin-bottom: 30px;
}

.comparison-table {
    width: 100%;
    border-collapse: collapse;
    text-align: left;
}

.comparison-table th, .comparison-table td {
    padding: 20px 30px;
    border-bottom: 1px solid rgba(9, 21, 40, 0.06);
}

.comparison-table th {
    background-color: var(--primary-blue);
    color: var(--bg-white);
    font-family: var(--font-heading);
    font-size: 1.1rem;
    font-weight: 700;
}

.comparison-table tbody tr:last-child td {
    border-bottom: none;
}

.comparison-table td strong {
    color: var(--primary-blue);
}

/* Highlighting the A1Funder Column */
.highlight-col {
    background-color: rgba(var(--accent-gold-rgb), 0.04);
    font-weight: 600;
}

th.highlight-col {
    background-color: var(--accent-gold) !important;
    color: var(--secondary-blue) !important;
}

.comparison-disclaimer {
    margin-top: 25px;
}

/* ==========================================================================
   PROCESS TIMELINE SECTION (ROOFTIC STEP STYLE)
   ========================================================================== */
.process-section {
    background-color: var(--secondary-blue);
    padding: 120px 0;
    position: relative;
}

.process-timeline-container {
    position: relative;
    margin-top: 60px;
    margin-bottom: 40px;
}

.timeline-progress-line {
    position: absolute;
    top: 50px;
    left: 5%;
    width: 90%;
    height: 2px;
    background: dashed rgba(255, 255, 255, 0.1);
    z-index: 1;
}

.process-card {
    background-color: var(--bg-dark-card);
    border: 1px solid rgba(255, 255, 255, 0.05);
    padding: 30px;
    border-radius: var(--border-radius-md);
    position: relative;
    z-index: 2;
    display: flex;
    flex-direction: column;
    height: 100%;
    transition: var(--transition-smooth);
}

.process-card:hover {
    border-color: var(--accent-gold);
    transform: translateY(-8px);
    box-shadow: var(--shadow-gold-glow);
}

.process-step-num {
    font-family: var(--font-heading);
    font-size: 3.5rem;
    font-weight: 900;
    -webkit-text-stroke: 1.5px var(--accent-gold);
    color: transparent;
    margin-bottom: 15px;
    line-height: 1;
}

.process-card h3 {
    font-size: 1.25rem;
    color: var(--bg-white);
    margin-bottom: 12px;
    font-weight: 800;
}

.process-card p {
    font-size: 0.88rem;
    color: var(--text-light-muted);
    line-height: 1.6;
    margin-bottom: 20px;
}

.process-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background-color: rgba(255, 255, 255, 0.05);
    padding: 6px 12px;
    border-radius: 50px;
    font-size: 0.75rem;
    font-weight: 700;
    color: var(--accent-gold);
    margin-top: auto;
    align-self: flex-start;
}

.process-card-footer {
    border-top: 1px solid rgba(255, 255, 255, 0.05);
    padding-top: 10px;
    margin-top: 15px;
}

.process-card-footer .card-disclaimer {
    font-size: 0.65rem;
}

.process-footer-notice {
    margin-top: 50px;
}

.text-light-disclaimer {
    color: var(--text-light-muted) !important;
}

/* ==========================================================================
   MORTGAGE ESTIMATOR CALCULATOR
   ========================================================================== */
.calculator-section {
    padding: 120px 0;
    background-color: var(--bg-white);
}

.grid-2-calc {
    grid-template-columns: 0.9fr 1.1fr;
    gap: 60px;
}

.calc-highlights {
    display: flex;
    flex-direction: column;
    gap: 20px;
    margin-top: 30px;
    margin-bottom: 30px;
}

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

.highlight-icon {
    width: 45px;
    height: 45px;
    background-color: rgba(var(--accent-gold-rgb), 0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--accent-gold);
    font-size: 1.15rem;
}

.calc-highlight-item h4 {
    font-size: 1.05rem;
    font-weight: 800;
    margin-bottom: 4px;
}

.calc-highlight-item p {
    font-size: 0.88rem;
    color: var(--text-muted);
}

.calc-foot-disclaimer {
    margin-top: 25px;
}

/* Calculator Widget UI Box */
.calculator-card-wrapper {
    display: flex;
    justify-content: center;
}

.calculator-card {
    background-color: var(--bg-white);
    border: 1px solid rgba(9, 21, 40, 0.08);
    box-shadow: var(--shadow-lg);
    border-radius: var(--border-radius-md);
    padding: 40px;
    width: 100%;
    max-width: 480px;
}

.calc-card-title {
    font-size: 1.5rem;
    color: var(--primary-blue);
    text-align: center;
    margin-bottom: 15px;
    font-weight: 800;
}

.calc-divider {
    height: 2px;
    background-color: rgba(9, 21, 40, 0.05);
    margin-bottom: 25px;
}

.form-group {
    margin-bottom: 22px;
}

.form-group label {
    display: block;
    font-size: 0.88rem;
    font-weight: 700;
    color: var(--primary-blue);
    margin-bottom: 8px;
}

.calc-input-wrapper {
    position: relative;
    display: flex;
    align-items: center;
}

.input-prefix {
    position: absolute;
    left: 16px;
    font-weight: 700;
    color: var(--text-muted);
}

.input-suffix {
    position: absolute;
    right: 16px;
    font-weight: 700;
    color: var(--text-muted);
}

.calc-input-wrapper input {
    width: 100%;
    padding: 12px 16px;
    font-family: var(--font-body);
    font-weight: 700;
    color: var(--primary-blue);
    border: 1px solid rgba(9, 21, 40, 0.12);
    border-radius: var(--border-radius-sm);
    font-size: 1rem;
    outline: none;
    transition: var(--transition-smooth);
}

.calc-input-wrapper input[id="calc-val-input"] {
    padding-left: 30px;
}

.calc-input-wrapper input[id="calc-ltv-input"] {
    padding-right: 30px;
}

.calc-input-wrapper input:focus {
    border-color: var(--accent-gold);
    box-shadow: var(--shadow-gold-glow);
}

/* Styled HTML5 Range Sliders */
.calc-slider {
    -webkit-appearance: none;
    width: 100%;
    height: 6px;
    background: #E2E8F0;
    border-radius: 3px;
    outline: none;
    margin-top: 12px;
}

.calc-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 18px;
    height: 18px;
    border-radius: 50%;
    background: var(--accent-gold);
    cursor: pointer;
    box-shadow: 0 0 10px rgba(var(--accent-gold-rgb), 0.5);
    transition: var(--transition-bounce);
}

.calc-slider::-webkit-slider-thumb:hover {
    transform: scale(1.2);
}

.calc-select {
    width: 100%;
    padding: 12px 16px;
    font-family: var(--font-body);
    font-weight: 700;
    color: var(--primary-blue);
    border: 1px solid rgba(9, 21, 40, 0.12);
    border-radius: var(--border-radius-sm);
    outline: none;
    background-color: var(--bg-white);
}

/* Calculator Dynamic Results Panel */
.calc-results-display {
    background-color: var(--secondary-blue);
    border-radius: var(--border-radius-md);
    padding: 24px;
    color: var(--bg-white);
    margin-top: 30px;
    margin-bottom: 25px;
}

.calc-result-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding-bottom: 12px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.05);
    margin-bottom: 12px;
    font-size: 0.9rem;
    color: var(--text-light-muted);
}

.calc-result-row strong {
    font-size: 1.15rem;
    color: var(--bg-white);
}

.calc-result-row.total-row {
    border-bottom: none;
    margin-bottom: 0;
    padding-bottom: 0;
}

.calc-result-row.total-row span {
    font-weight: 700;
    color: var(--bg-white);
}

.calc-result-row.total-row strong {
    font-size: 1.6rem;
    color: var(--accent-gold);
    font-family: var(--font-heading);
    text-shadow: 0 0 10px rgba(var(--accent-gold-rgb), 0.3);
}

/* ==========================================================================
   TEAM SECTION (ROOFTIC PORTRAIT GRAPHICS OVERLAY)
   ========================================================================== */
.team-section {
    padding: 120px 0;
    background-color: var(--bg-ice);
}

.team-grid {
    margin-bottom: 40px;
}

.team-card {
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    height: 100%;
}

.team-photo-container {
    width: 100%;
    height: 280px;
    overflow: hidden;
    position: relative;
    background-color: var(--secondary-blue);
}

.team-member-img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center top;
    transition: var(--transition-smooth);
}

.team-card:hover .team-member-img {
    transform: scale(1.06) translateY(-5px);
}

/* Overlay visible on hover */
.team-overlay {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: linear-gradient(to top, rgba(6, 17, 36, 0.9) 0%, rgba(11, 33, 71, 0.2) 100%);
    display: flex;
    align-items: center;
    justify-content: center;
    opacity: 0;
    transition: var(--transition-smooth);
}

.team-card:hover .team-overlay {
    opacity: 1;
}

.team-social-links {
    display: flex;
    gap: 16px;
}

.team-social-links a {
    width: 45px;
    height: 45px;
    background-color: var(--accent-gold);
    color: var(--secondary-blue);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.15rem;
    box-shadow: var(--shadow-sm);
    transform: translateY(20px);
    transition: var(--transition-bounce);
}

.team-card:hover .team-social-links a {
    transform: translateY(0);
}

.team-card:hover .team-social-links a:nth-child(2) {
    transition-delay: 0.1s;
}

.team-social-links a:hover {
    background-color: var(--bg-white);
    color: var(--primary-blue);
}

/* Info Details */
.team-info {
    padding: 30px;
    flex-grow: 1;
    background-color: var(--bg-white);
}

.team-info h3 {
    font-size: 1.35rem;
    color: var(--primary-blue);
    margin-bottom: 4px;
}

.team-role-tag {
    font-size: 0.82rem;
    font-weight: 800;
    color: var(--accent-gold);
    text-transform: uppercase;
    letter-spacing: 1px;
}

.team-card-divider {
    width: 30px;
    height: 2px;
    background-color: var(--accent-gold);
    margin: 16px 0;
}

.team-contact-info {
    font-size: 0.9rem;
    color: var(--text-muted);
    margin-bottom: 8px;
    display: flex;
    align-items: center;
    gap: 10px;
}

.team-contact-info i {
    color: var(--primary-blue);
}

.team-card-footer {
    background-color: rgba(9, 21, 40, 0.015);
    border-top: 1px solid rgba(9, 21, 40, 0.05);
    padding: 15px 30px;
}

.team-footer-disclaimer {
    margin-top: 30px;
}

/* ==========================================================================
   TESTIMONIALS SLIDER
   ========================================================================== */
.testimonials-section {
    background-color: var(--secondary-blue);
    padding: 120px 0;
    position: relative;
    overflow: hidden;
}

.testimonial-carousel-wrapper {
    max-width: 800px;
    margin: 40px auto 0 auto;
    position: relative;
}

.carousel-container {
    position: relative;
    height: 380px;
    overflow: hidden;
}

.carousel-slide {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    opacity: 0;
    visibility: hidden;
    transition: all 0.6s ease-in-out;
    transform: translateX(50px);
}

.carousel-slide.active {
    opacity: 1;
    visibility: visible;
    transform: translateX(0);
}

.testimonial-card {
    background-color: var(--bg-dark-card);
    border: 1px solid rgba(255, 255, 255, 0.05);
    padding: 50px;
    border-radius: var(--border-radius-md);
    text-align: center;
    position: relative;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    height: 100%;
}

.quote-symbol {
    font-size: 3rem;
    color: var(--accent-gold);
    margin-bottom: 20px;
    line-height: 1;
    opacity: 0.3;
}

.testimonial-text {
    font-size: 1.15rem;
    color: var(--text-light);
    font-style: italic;
    line-height: 1.6;
    margin-bottom: 30px;
}

.client-info h4 {
    font-size: 1.1rem;
    color: var(--bg-white);
    font-weight: 800;
}

.client-info p {
    font-size: 0.85rem;
    color: var(--text-light-muted);
}

.testimonial-disclaimer {
    font-size: 0.68rem;
    color: var(--text-light-muted);
    margin-top: 20px;
}

.testimonial-disclaimer i {
    color: var(--accent-gold);
}

/* Controls */
.carousel-controls {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 30px;
    margin-top: 30px;
}

.carousel-nav-btn {
    background: none;
    border: 1px solid rgba(255, 255, 255, 0.15);
    color: var(--bg-white);
    width: 40px;
    height: 40px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    transition: var(--transition-smooth);
}

.carousel-nav-btn:hover {
    background-color: var(--accent-gold);
    color: var(--secondary-blue);
    border-color: var(--accent-gold);
}

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

.carousel-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background-color: rgba(255, 255, 255, 0.2);
    cursor: pointer;
    transition: var(--transition-smooth);
}

.carousel-dot.active {
    background-color: var(--accent-gold);
    width: 24px;
    border-radius: 4px;
}

/* ==========================================================================
   FAQ ACCORDION PANEL SECTION (ROOFTIC STYLE ACCORDIONS)
   ========================================================================== */
.faqs-section {
    padding: 120px 0;
    background-color: var(--bg-white);
}

.faq-accordion-container {
    max-width: 800px;
    margin: 50px auto 0 auto;
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.faq-item {
    border: 1px solid rgba(9, 21, 40, 0.08);
    background-color: var(--bg-white);
    border-radius: var(--border-radius-sm);
    overflow: hidden;
    transition: var(--transition-smooth);
}

.faq-item:hover {
    border-color: var(--accent-gold);
}

.faq-trigger {
    width: 100%;
    padding: 22px 30px;
    background: none;
    border: none;
    text-align: left;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-family: var(--font-heading);
    font-size: 1.1rem;
    font-weight: 800;
    color: var(--primary-blue);
    cursor: pointer;
    outline: none;
}

.faq-icon {
    font-size: 0.95rem;
    color: var(--accent-gold);
    transition: transform 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}

/* Accordion Collapsing Logic */
.faq-panel {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}

.faq-content {
    padding: 0 30px 24px 30px;
    font-size: 0.95rem;
    color: var(--text-muted);
}

.faq-content p {
    margin-bottom: 12px;
}

.faq-content p:last-child {
    margin-bottom: 0;
}

.panel-disclaimer {
    font-size: 0.72rem;
    color: var(--text-light-muted);
    border-top: 1px solid rgba(9, 21, 40, 0.05);
    padding-top: 10px;
    margin-top: 15px;
}

/* Dynamic Classes Controlled by JS */
.faq-item.open {
    border-color: var(--accent-gold);
    box-shadow: var(--shadow-sm);
}

.faq-item.open .faq-icon {
    transform: rotate(45deg);
}

/* ==========================================================================
   CONTACT SECTION & PRE-SUBMISSION FORM
   ========================================================================== */
.contact-section {
    padding: 120px 0;
    background-color: var(--secondary-blue);
    position: relative;
}

.contact-info-panel {
    display: flex;
    flex-direction: column;
    justify-content: center;
    padding-right: 40px;
}

.contact-details-grid {
    display: flex;
    flex-direction: column;
    gap: 20px;
    margin: 40px 0;
}

.contact-detail-card {
    display: flex;
    align-items: center;
    gap: 20px;
    padding: 24px;
    border-radius: var(--border-radius-md);
    color: var(--bg-white);
}

.icon-circle {
    width: 50px;
    height: 50px;
    background-color: rgba(var(--accent-gold-rgb), 0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--accent-gold);
    font-size: 1.25rem;
}

.contact-detail-card h4 {
    font-size: 0.8rem;
    font-weight: 800;
    color: var(--text-light-muted);
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 2px;
}

.contact-detail-card p {
    font-size: 1.15rem;
    font-weight: 700;
}

.contact-legal-disclaimer {
    margin-top: 20px;
}

/* Form Styling Box */
.contact-form-wrapper {
    display: flex;
    justify-content: center;
    align-items: center;
}

.contact-form {
    background-color: var(--bg-white);
    padding: 45px;
    border-radius: var(--border-radius-md);
    box-shadow: var(--shadow-lg);
    width: 100%;
}

.form-title {
    font-size: 1.6rem;
    color: var(--primary-blue);
    text-align: center;
    font-weight: 800;
    margin-bottom: 15px;
}

.form-divider {
    height: 2px;
    background-color: rgba(9, 21, 40, 0.05);
    margin-bottom: 30px;
}

.form-row-2 {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
}

.contact-form input[type="text"],
.contact-form input[type="email"],
.contact-form input[type="tel"],
.contact-form input[type="number"],
.contact-form textarea,
.form-select {
    width: 100%;
    padding: 12px 16px;
    border: 1px solid rgba(9, 21, 40, 0.12);
    border-radius: var(--border-radius-sm);
    font-family: var(--font-body);
    font-weight: 600;
    color: var(--primary-blue);
    font-size: 0.95rem;
    outline: none;
    transition: var(--transition-smooth);
    background-color: var(--bg-white);
}

.contact-form input:focus,
.contact-form textarea:focus,
.form-select:focus {
    border-color: var(--accent-gold);
    box-shadow: var(--shadow-gold-glow);
}

.form-submit-btn {
    margin-top: 20px;
}

.form-footer-notice {
    margin-top: 15px;
    text-align: center;
}

.disclaimer-text-mini {
    font-size: 0.65rem;
    color: var(--text-muted);
    line-height: 1.4;
}

/* ==========================================================================
   SITE LEGAL FOOTER
   ========================================================================== */
.site-footer {
    background-color: var(--secondary-blue);
    color: var(--text-light-muted);
    padding: 80px 0 0 0;
    border-top: 1px solid rgba(255, 255, 255, 0.05);
}

.footer-container {
    display: grid;
    grid-template-columns: 1fr 0.6fr 1.4fr;
    gap: 60px;
    margin-bottom: 60px;
}

.footer-brand {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.footer-title {
    font-family: var(--font-heading);
    font-size: 1.6rem;
    color: var(--bg-white);
    font-weight: 800;
}

.footer-slogan {
    font-size: 0.88rem;
    color: var(--accent-gold);
    line-height: 1.5;
    font-style: italic;
}

.footer-links h4, .footer-disclaimers-list h4 {
    font-family: var(--font-heading);
    font-size: 1.05rem;
    color: var(--bg-white);
    margin-bottom: 25px;
    text-transform: uppercase;
    letter-spacing: 1px;
}

.footer-links ul {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.footer-links ul a {
    font-size: 0.88rem;
}

.footer-links ul a:hover {
    color: var(--accent-gold);
    padding-left: 6px;
}

.footer-disclaimers-list {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.footer-disclaimers-list p {
    font-size: 0.78rem;
    line-height: 1.6;
    border-bottom: 1px solid rgba(255, 255, 255, 0.05);
    padding-bottom: 12px;
}

.footer-disclaimers-list p:last-child {
    border-bottom: none;
    padding-bottom: 0;
}

.footer-bottom {
    background-color: rgba(9, 21, 40, 0.2);
    border-top: 1px solid rgba(255, 255, 255, 0.03);
    padding: 30px 0;
}

.footer-bottom-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.78rem;
}

.footer-utility-links {
    display: flex;
    gap: 20px;
}

.footer-utility-links a:hover {
    color: var(--accent-gold);
}

/* ==========================================================================
   SCROLL REVEAL ANIMATIONS (INTERSECTION OBSERVER TARGETS)
   ========================================================================== */
.animate-on-scroll {
    opacity: 0;
    transition: all 0.8s cubic-bezier(0.16, 1, 0.3, 1);
}

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

.fade-in.visible {
    opacity: 1;
}

.slide-up {
    transform: translateY(40px);
}

.slide-up.visible {
    opacity: 1;
    transform: translateY(0);
}

.slide-in-left {
    transform: translateX(-50px);
}

.slide-in-left.visible {
    opacity: 1;
    transform: translateX(0);
}

.slide-in-right {
    transform: translateX(50px);
}

.slide-in-right.visible {
    opacity: 1;
    transform: translateX(0);
}

.fade-in-left {
    transform: translateX(-30px);
    opacity: 0;
}

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

.fade-in-right {
    transform: translateX(30px);
    opacity: 0;
}

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

/* ==========================================================================
   MEDIA QUERIES & MOBILE RESPONSIVENESS
   ========================================================================== */

/* Large Tablets & Desktop Boundaries */
@media (max-width: 1024px) {
    .grid-4 { grid-template-columns: repeat(2, 1fr); }
    .grid-3 { grid-template-columns: repeat(2, 1fr); }
    
    .hero-container {
        grid-template-columns: 1fr;
        gap: 50px;
        text-align: center;
    }
    
    .hero-content {
        align-items: center;
    }
    
    .hero-actions {
        justify-content: center;
    }
    
    .hero-ratings {
        justify-content: center;
    }
    
    .about-stats-graphic {
        height: 380px;
        max-width: 500px;
        margin: 0 auto 50px auto;
    }
    
    .stats-card {
        width: 220px;
    }
    
    .card-1 { left: 0; }
    .card-2 { right: 0; }
    .card-3 { left: 10%; }
    
    .trust-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 30px;
    }
    
    .footer-container {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    
    .timeline-progress-line {
        display: none;
    }
}

/* Mobile & Small Screen Breakpoints */
@media (max-width: 768px) {
    .grid-2, .grid-3, .grid-4, .grid-2-calc {
        grid-template-columns: 1fr;
    }
    
    .topbar {
        display: none;
    }
    
    .logo-slogan-inline {
        display: none;
    }
    
    .mobile-nav-toggle {
        display: block;
    }
    
    .nav-menu {
        display: none; /* Controlled by JS menu toggle */
        position: absolute;
        top: 100%;
        left: 0;
        width: 100%;
        background-color: var(--secondary-blue);
        border-top: 1px solid rgba(255, 255, 255, 0.05);
        box-shadow: var(--shadow-lg);
        padding: 20px 0;
    }
    
    .nav-menu.open {
        display: block;
    }
    
    .nav-menu ul {
        flex-direction: column;
        align-items: center;
        gap: 20px;
    }
    
    .nav-link {
        color: var(--bg-white) !important;
        font-size: 1.15rem;
    }
    
    .header-cta {
        display: none; /* Hide button on mobile inside navbar for simplicity */
    }
    
    .hero-title {
        font-size: 2.5rem;
    }
    
    .hero-subtitle {
        font-size: 1rem;
    }
    
    .stats-card {
        position: relative;
        top: auto !important;
        left: auto !important;
        right: auto !important;
        bottom: auto !important;
        width: 100% !important;
        margin-bottom: 20px;
    }
    
    .about-stats-graphic {
        height: auto;
        display: flex;
        flex-direction: column;
    }
    
    .comparison-table th, .comparison-table td {
        padding: 15px 20px;
        font-size: 0.88rem;
    }
    
    .contact-form {
        padding: 30px;
    }
    
    .form-row-2 {
        grid-template-columns: 1fr;
        gap: 0;
    }
    
    .footer-bottom-container {
        flex-direction: column;
        gap: 15px;
        text-align: center;
    }
}

/* Table check/cross visual aids */
.table-cross-icon {
    color: #94A3B8;
    margin-right: 8px;
    font-size: 0.95rem;
}

.table-check-icon {
    color: var(--accent-gold);
    margin-right: 8px;
    font-size: 0.95rem;
}