/* Atlas Mortgage - Main Stylesheet */

:root {
    --color-primary: #1a5f3f;
    --color-primary-dark: #144d32;
    --color-primary-light: #2d7a52;
    --color-accent: #9a5a2b;
    --color-accent-light: #c07a45;
    --color-bg: #ffffff;
    --color-bg-light: #f8fafc;
    --color-bg-gray: #f1f5f9;
    --color-bg-warm: #faf9f7;
    --color-text: #1e293b;
    --color-text-light: #64748b;
    --color-text-muted: #94a3b8;
    --color-border: #e2e8f0;
    --color-white: #ffffff;
    --color-success: #22c55e;
    --color-warning: #f59e0b;
    --shadow-sm: 0 1px 2px 0 rgb(0 0 0 / 0.05);
    --shadow-md: 0 4px 6px -1px rgb(0 0 0 / 0.1);
    --shadow-lg: 0 10px 15px -3px rgb(0 0 0 / 0.1);
    --shadow-xl: 0 20px 25px -5px rgb(0 0 0 / 0.1);
    --radius-sm: 0.375rem;
    --radius-md: 0.5rem;
    --radius-lg: 0.75rem;
    --radius-xl: 1rem;
    --transition: all 0.2s ease;
    --space-1: 0.25rem;
    --space-2: 0.5rem;
    --space-3: 0.75rem;
    --space-4: 1rem;
    --space-5: 1.25rem;
    --space-6: 1.5rem;
    --space-8: 2rem;
    --space-10: 2.5rem;
    --space-12: 3rem;
    --space-16: 4rem;
    --space-20: 5rem;
    --space-24: 6rem;
}

/* Scroll Animation Utilities */
@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.animate-on-scroll {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.6s ease, transform 0.6s ease;
}

.animate-on-scroll.is-visible {
    opacity: 1;
    transform: translateY(0);
}

.stagger-1 { transition-delay: 0.1s; }
.stagger-2 { transition-delay: 0.2s; }
.stagger-3 { transition-delay: 0.3s; }
.stagger-4 { transition-delay: 0.4s; }
.stagger-5 { transition-delay: 0.5s; }
.stagger-6 { transition-delay: 0.6s; }

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

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    font-size: 16px;
    line-height: 1.6;
    color: var(--color-text);
    background-color: var(--color-bg);
    padding-top: 0;
}

.container {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 1.5rem;
}

h1, h2, h3, h4, h5, h6 {
    font-family: 'Playfair Display', Georgia, serif;
    font-weight: 600;
    line-height: 1.2;
    color: var(--color-text);
}

h1 {
    font-size: 3.5rem;
}

h2 {
    font-size: 2.5rem;
}

h3 {
    font-size: 1.5rem;
}

p {
    color: var(--color-text-light);
}

a {
    text-decoration: none;
    color: inherit;
}

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

/* Buttons */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    padding: 0.85rem 1.4rem;
    font-size: 1rem;
    font-weight: 600;
    line-height: 1.2;
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: var(--transition);
    border: 1px solid transparent;
}

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

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

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

.btn-outline:hover {
    background-color: var(--color-primary);
    color: var(--color-white);
}

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

.btn-white:hover {
    background-color: var(--color-bg-light);
}

.btn-outline-light {
    background-color: transparent;
    color: var(--color-white);
    border-color: var(--color-white);
}

.btn-outline-light:hover {
    background-color: var(--color-white);
    color: var(--color-primary);
}

.btn-large {
    padding: 1rem 2rem;
    font-size: 1.125rem;
}

.btn-full {
    width: 100%;
}

/* Section Tags */
.section-tag {
    display: inline-block;
    padding: 0.5rem 1rem;
    background-color: var(--color-bg-gray);
    color: var(--color-primary);
    font-size: 0.875rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    border-radius: var(--radius-full);
    margin-bottom: 1rem;
}

/* Top Bar */
.top-bar {
    background: var(--color-primary);
    color: var(--color-white);
    padding: 0.65rem 0;
    font-size: 0.8125rem;
}

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

.top-bar-left {
    display: flex;
    gap: 1.5rem;
}

.top-bar-left a {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    color: rgba(255, 255, 255, 0.9);
    transition: var(--transition);
}

.top-bar-left a:hover {
    color: var(--color-white);
}

.top-bar-right {
    display: flex;
    align-items: center;
    gap: 0.75rem;
}

.top-bar-right span {
    color: rgba(255, 255, 255, 0.8);
}

.top-bar-right a {
    width: 28px;
    height: 28px;
    background: rgba(255, 255, 255, 0.15);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-white);
    transition: var(--transition);
}

.top-bar-right a:hover {
    background: rgba(255, 255, 255, 0.25);
}

/* Navigation */
.navbar {
    position: sticky;
    top: 0;
    left: 0;
    right: 0;
    background-color: var(--color-white);
    box-shadow: var(--shadow-sm);
    z-index: 1000;
}

.navbar .container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 1rem 1.5rem;
}

.navbar-top,
.navbar-bottom {
    display: none;
}

.logo {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    font-family: 'Playfair Display', serif;
    font-size: 1.75rem;
    font-weight: 700;
    color: var(--color-primary);
}

.logo i {
    font-size: 2rem;
}

.navbar-actions {
    display: flex;
    align-items: center;
    gap: 1.5rem;
}

.client-portal-link {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-weight: 500;
    color: var(--color-text);
    transition: var(--transition);
}

.client-portal-link i {
    font-size: 1.25rem;
    color: var(--color-primary);
}

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

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

.nav-menu {
    display: flex;
    align-items: center;
    list-style: none;
    gap: 3rem;
}

.nav-link {
    font-weight: 500;
    color: var(--color-text);
    transition: var(--transition);
    position: relative;
    font-size: 0.9375rem;
}

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

.nav-link::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 2px;
    background-color: var(--color-primary);
    transition: var(--transition);
}

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

/* Hero Section */
.hero {
    padding: 12.5rem 0 5.5rem;
    background: linear-gradient(135deg, var(--color-bg-light) 0%, var(--color-bg) 100%);
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: 0;
    right: 0;
    width: 50%;
    height: 100%;
    background: linear-gradient(135deg, transparent 0%, rgba(26, 95, 63, 0.03) 100%);
    pointer-events: none;
}


.hero .container {
    display: grid;
    grid-template-columns: minmax(0, 1.08fr) minmax(360px, 0.92fr);
    gap: 3rem;
    align-items: center;
}

.hero-tag {
    display: inline-block;
    padding: 0.5rem 1rem;
    background-color: var(--color-accent);
    color: var(--color-white);
    font-size: 0.875rem;
    font-weight: 600;
    border-radius: var(--radius-full);
    margin-bottom: 1.5rem;
}

.hero h1 {
    font-size: 3.5rem;
    margin-bottom: 1.5rem;
    color: var(--color-text);
    line-height: 1.1;
}

.hero-subtitle {
    font-size: 1.18rem;
    color: var(--color-text-light);
    line-height: 1.75;
    margin-bottom: 1.5rem;
    max-width: 38rem;
}

.hero-cta {
    display: flex;
    gap: 0.85rem;
    margin-bottom: 1.25rem;
}


.hero-image {
    display: flex;
    justify-content: center;
    align-items: center;
}

.hero-card {
    background: linear-gradient(180deg, rgba(255,255,255,1) 0%, rgba(248,250,252,0.98) 100%);
    padding: 1.9rem;
    border-radius: var(--radius-xl);
    border: 1px solid rgba(148, 163, 184, 0.18);
    box-shadow: var(--shadow-lg);
    text-align: left;
    max-width: 320px;
}

.hero-card-visual {
    max-width: 420px;
    text-align: left;
    position: relative;
    overflow: hidden;
    background: linear-gradient(160deg, rgba(248,250,252,1) 0%, rgba(255,255,255,1) 100%);
    border: 1px solid rgba(148, 163, 184, 0.18);
}


.hero-card-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.45rem;
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: var(--color-primary);
    background: rgba(26, 95, 63, 0.08);
    border: 1px solid rgba(26, 95, 63, 0.12);
    border-radius: var(--radius-full);
    padding: 0.42rem 0.72rem;
    margin-bottom: 1.1rem;
}

.hero-card-badge i {
    color: var(--color-primary);
    font-size: 0.85rem;
}

.hero-card-visual .rate-display {
    gap: 0.7rem;
}

.hero-card-visual .rate-label {
    color: var(--color-accent);
    font-size: 0.76rem;
    font-weight: 700;
    letter-spacing: 0.08em;
}

.hero-card-visual .rate-value {
    font-size: 2rem;
    font-weight: 600;
    line-height: 1.15;
    color: var(--color-text);
    max-width: none;
}

.hero-card-visual .rate-note {
    font-size: 0.9375rem;
    line-height: 1.6;
    color: var(--color-text-light);
    max-width: none;
    margin-top: 0.5rem;
}

.hero-card-mini-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 0.8rem;
    margin-top: 1.3rem;
}

.hero-mini-card {
    display: flex;
    align-items: center;
    gap: 0.65rem;
    background: rgba(255, 255, 255, 0.92);
    border: 1px solid rgba(148, 163, 184, 0.18);
    border-radius: var(--radius-lg);
    padding: 0.8rem 0.9rem;
    font-size: 0.84rem;
    color: var(--color-text);
    font-weight: 500;
    box-shadow: 0 1px 2px rgba(15, 23, 42, 0.04);
}

.hero-mini-card i {
    color: var(--color-primary);
    font-size: 0.95rem;
}

.rate-display {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.rate-label {
    font-size: 0.875rem;
    color: var(--color-text-light);
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.rate-value {
    font-size: 3.5rem;
    font-weight: 700;
    color: var(--color-primary);
    font-family: 'Playfair Display', serif;
}

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

/* Hero Note */
.hero-note {
    margin-top: 0;
    font-size: 0.9rem;
    color: var(--color-text-light);
    display: inline-flex;
    align-items: center;
    gap: 0.6rem;
    padding: 0.7rem 0.95rem;
    background: rgba(248, 250, 252, 0.9);
    border: 1px solid rgba(148, 163, 184, 0.18);
    border-radius: var(--radius-full);
}

.hero-note i {
    color: var(--color-primary);
}

/* Calculators Hub Section - REDESIGNED */
.calculators-section {
    padding: var(--space-16) 0;
    background-color: var(--color-bg-light);
}

.calculators-section .section-header {
    margin-bottom: 1.75rem;
    max-width: 560px;
}

.calculators-section .section-header h2 {
    font-size: 1.9rem;
    margin-bottom: 0.6rem;
}

.calculators-section .section-header p {
    font-size: 0.98rem;
    line-height: 1.55;
}

.calculators-grid {
    display: grid;
    grid-template-columns: repeat(5, minmax(0, 1fr));
    gap: 0.9rem;
    max-width: 1100px;
    margin: 0 auto;
    align-items: stretch;
}

.calculator-tile {
    background: var(--color-white);
    padding: 1rem 0.9rem;
    border-radius: var(--radius-md);
    text-align: left;
    transition: var(--transition);
    border: 1px solid rgba(226, 232, 240, 0.9);
    text-decoration: none;
    color: inherit;
    position: relative;
    min-height: 168px;
    box-shadow: 0 1px 2px 0 rgba(15, 23, 42, 0.03);
}

.calculator-tile:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-md);
    border-color: rgba(26, 95, 63, 0.25);
}

.calculator-tile.featured {
    border-color: rgba(26, 95, 63, 0.4);
    background: linear-gradient(135deg, var(--color-white) 0%, rgba(26, 95, 63, 0.035) 100%);
}

.tile-icon {
    width: 42px;
    height: 42px;
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-light) 100%);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 0 0.75rem;
}

.tile-icon i {
    font-size: 1rem;
    color: var(--color-white);
}

.calculator-tile h3 {
    font-size: 0.92rem;
    margin-bottom: 0.35rem;
    color: var(--color-text);
    font-weight: 600;
    line-height: 1.3;
}

.calculator-tile p {
    font-size: 0.79rem;
    color: var(--color-text-light);
    line-height: 1.5;
    margin: 0;
    max-width: 20ch;
}

.tile-badge {
    position: absolute;
    top: -7px;
    right: 0.55rem;
    background: var(--color-accent);
    color: var(--color-white);
    font-size: 0.66rem;
    font-weight: 600;
    padding: 0.18rem 0.48rem;
    border-radius: var(--radius-full);
}

/* Mortgage Scout Section - REFINED */
.mortgage-scout-section {
    padding: 4.5rem 0;
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
    color: var(--color-white);
}

.mortgage-scout-section .section-tag {
    background: rgba(255, 255, 255, 0.16);
    color: var(--color-white);
    margin-bottom: 0.75rem;
}

.mortgage-scout-section h2 {
    color: var(--color-white);
    font-size: 2.15rem;
    margin-bottom: 0.7rem;
}

.scout-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.1fr) minmax(320px, 0.9fr);
    gap: 3.25rem;
    align-items: start;
}

.scout-lead {
    font-size: 1.02rem;
    color: rgba(255, 255, 255, 0.9);
    margin-bottom: 1.6rem;
    line-height: 1.65;
    max-width: 56ch;
}

.scout-features-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 0.95rem;
    margin-bottom: 1.5rem;
}

.scout-feature-card {
    background: rgba(255, 255, 255, 0.07);
    border: 1px solid rgba(255, 255, 255, 0.14);
    border-radius: var(--radius-lg);
    padding: 1rem 0.95rem;
    text-align: left;
    transition: var(--transition);
    min-height: 142px;
}

.scout-feature-card:hover {
    background: rgba(255, 255, 255, 0.1);
    transform: translateY(-2px);
}

.scout-feature-card i {
    font-size: 1.15rem;
    color: var(--color-accent-light);
    margin-bottom: 0.7rem;
    display: inline-block;
}

.scout-feature-card h4 {
    color: var(--color-white);
    margin-bottom: 0.35rem;
    font-size: 0.95rem;
    line-height: 1.35;
}

.scout-feature-card p {
    color: rgba(255, 255, 255, 0.76);
    font-size: 0.8rem;
    line-height: 1.5;
    margin: 0;
}

.scout-cta {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
    align-items: flex-start;
}

.scout-note {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    color: rgba(255, 255, 255, 0.9);
    font-size: 0.875rem;
    margin: 0;
}

.scout-note i {
    color: var(--color-accent-light);
}

.scout-visual {
    display: flex;
    justify-content: center;
}

.scout-dashboard {
    background: var(--color-white);
    border: 1px solid rgba(148, 163, 184, 0.18);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-lg);
    width: 100%;
    max-width: 400px;
    overflow: hidden;
}

.dashboard-header {
    background: var(--color-bg-light);
    padding: 0.875rem 1.25rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
    border-bottom: 1px solid var(--color-border);
}

.dashboard-title {
    font-weight: 600;
    color: var(--color-text);
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-size: 0.9375rem;
}

.dashboard-title i {
    color: var(--color-primary);
}

.status-badge {
    font-size: 0.6875rem;
    padding: 0.2rem 0.5rem;
    border-radius: var(--radius-full);
    font-weight: 600;
}

.status-badge.active {
    background: var(--color-accent);
    color: var(--color-white);
}

.dashboard-content {
    padding: 1.25rem;
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.dashboard-kpis {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 0.65rem;
}

.dashboard-kpi {
    background: var(--color-bg-light);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
    padding: 0.75rem 0.7rem;
    text-align: center;
}

.dashboard-kpi-label {
    display: block;
    font-size: 0.68rem;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--color-text-muted);
    margin-bottom: 0.3rem;
}

.dashboard-kpi strong {
    color: var(--color-text);
    font-size: 0.95rem;
}

.rate-comparison {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 1rem 0 1.1rem;
    border-top: 1px solid var(--color-border);
    border-bottom: 1px solid var(--color-border);
}

.rate-current, .rate-available {
    text-align: center;
}

.rate-current .rate-label,
.rate-available .rate-label {
    display: block;
    font-size: 0.6875rem;
    color: var(--color-text-muted);
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: 0.25rem;
}

.rate-current .rate-value,
.rate-available .rate-value {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--color-text);
    font-family: 'Playfair Display', serif;
}

.rate-available .rate-value.better {
    color: var(--color-accent);
}

.rate-arrow {
    color: var(--color-primary);
    font-size: 1rem;
}

.savings-alert {
    background: linear-gradient(135deg, rgba(34, 197, 94, 0.1) 0%, rgba(34, 197, 94, 0.05) 100%);
    border: 1px solid rgba(34, 197, 94, 0.3);
    border-radius: var(--radius-md);
    padding: 0.875rem;
    display: flex;
    align-items: center;
    gap: 0.625rem;
}

.savings-alert i {
    color: var(--color-accent);
    font-size: 1.125rem;
}

.savings-alert span {
    color: var(--color-text);
    font-size: 0.875rem;
}

.dashboard-subsection {
    display: flex;
    flex-direction: column;
    gap: 0.7rem;
}

.dashboard-subtitle {
    font-size: 0.72rem;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--color-text-muted);
}

.alert-list {
    display: flex;
    flex-direction: column;
    gap: 0.625rem;
}

.alert-item {
    display: flex;
    align-items: center;
    gap: 0.625rem;
    font-size: 0.8125rem;
    color: var(--color-text-light);
}

.alert-item i {
    color: var(--color-warning);
    font-size: 0.875rem;
}


/* Rates Section */
.rates-section {
    padding: var(--space-24) 0;
    background-color: var(--color-bg);
}

.section-header {
    text-align: center;
    max-width: 600px;
    margin: 0 auto 4rem;
}

.section-header h2 {
    margin-bottom: 1rem;
}

.section-header p {
    font-size: 1.05rem;
    line-height: 1.7;
    max-width: 62ch;
    margin: 0 auto;
}

.rates-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
}

.rate-card {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-md);
    transition: var(--transition);
    border: 2px solid var(--color-border);
}

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

.rate-card-header {
    padding: 1.5rem;
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-light) 100%);
    color: var(--color-white);
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.rate-card-header h3 {
    font-size: 1.25rem;
    color: var(--color-white);
    margin: 0;
}

.rate-badge {
    font-size: 0.75rem;
    padding: 0.25rem 0.75rem;
    background: var(--color-white);
    color: var(--color-primary);
    border-radius: var(--radius-full);
    font-weight: 600;
}

.rate-badge.popular {
    background: var(--color-accent);
    color: var(--color-white);
}

.rate-card-body {
    padding: 2rem 1.5rem;
    text-align: center;
}

.rate-main {
    display: block;
    font-size: 3rem;
    font-weight: 700;
    color: var(--color-primary);
    font-family: 'Playfair Display', serif;
    margin-bottom: 0.5rem;
}

.rate-apr {
    display: block;
    font-size: 0.875rem;
    color: var(--color-text-muted);
    margin-bottom: 1.5rem;
}

.rate-features {
    list-style: none;
    text-align: left;
}

.rate-features li {
    padding: 0.75rem 0;
    border-bottom: 1px solid var(--color-border);
    font-size: 0.875rem;
    color: var(--color-text-light);
    display: flex;
    align-items: center;
    gap: 0.75rem;
}

.rate-features li:last-child {
    border-bottom: none;
}

.rate-features i {
    color: var(--color-accent);
}

.rate-card-footer {
    padding: 1.5rem;
    border-top: 1px solid var(--color-border);
}

/* Calculator Section */
.calculator-section {
    padding: var(--space-24) 0;
    background-color: var(--color-bg-light);
}

.calculator-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: start;
}

.calculator-content h2 {
    margin-bottom: 1rem;
}

.calculator-content > p {
    margin-bottom: 2rem;
    font-size: 1.05rem;
    line-height: 1.7;
}

.calculator-form {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.form-group label {
    font-weight: 500;
    color: var(--color-text);
    font-size: 0.875rem;
}

.input-with-icon {
    position: relative;
}

.input-with-icon i {
    position: absolute;
    left: 1rem;
    top: 50%;
    transform: translateY(-50%);
    color: var(--color-text-muted);
}

.input-with-icon input,
.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 0.875rem 1rem;
    border: 2px solid var(--color-border);
    border-radius: var(--radius-md);
    font-size: 1rem;
    transition: var(--transition);
    background-color: var(--color-white);
}

.input-with-icon input {
    padding-left: 2.5rem;
}

.form-password-wrap {
    position: relative;
    width: 100%;
}

.form-password-wrap > input {
    padding-right: 2.75rem;
}

.form-password-toggle {
    position: absolute;
    right: 0.65rem;
    top: 50%;
    transform: translateY(-50%);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 2rem;
    height: 2rem;
    border: none;
    background: transparent;
    color: var(--color-text-muted);
    cursor: pointer;
    border-radius: var(--radius-sm);
    font-size: 1rem;
    line-height: 1;
    transition: color 0.2s ease, background 0.2s ease;
}

.form-password-toggle:hover {
    color: var(--color-primary);
    background: rgba(26, 95, 63, 0.06);
}

.form-password-toggle:focus-visible {
    outline: none;
    color: var(--color-primary);
    box-shadow: 0 0 0 2px var(--color-white), 0 0 0 4px rgba(26, 95, 63, 0.35);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--color-primary);
}

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

.down-payment-percent {
    font-size: 0.875rem;
    color: var(--color-primary);
    font-weight: 600;
    margin-top: 0.25rem;
}

.calculator-results {
    position: sticky;
    top: 100px;
}

.result-card {
    background: linear-gradient(180deg, rgba(255,255,255,1) 0%, rgba(248,250,252,0.96) 100%);
    padding: 2rem;
    border-radius: var(--radius-xl);
    border: 1px solid var(--color-border);
    box-shadow: var(--shadow-sm);
}

.result-card h3 {
    text-align: center;
    margin-bottom: 1rem;
    color: var(--color-text);
}

.result-amount {
    font-size: 3.65rem;
    font-weight: 700;
    color: var(--color-primary);
    text-align: center;
    margin-bottom: 1.25rem;
    font-family: 'Playfair Display', serif;
    line-height: 1.05;
}

.result-details {
    border-top: 1px solid var(--color-border);
    padding-top: 1.25rem;
}

.detail-row {
    display: flex;
    justify-content: space-between;
    padding: 0.75rem 0;
    font-size: 0.9375rem;
    gap: 1rem;
}

.detail-row span:first-child {
    color: var(--color-text-light);
}

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

.detail-row.total {
    margin-top: 0.5rem;
    padding-top: 1rem;
    border-top: 1px solid var(--color-border);
    font-size: 1.125rem;
}

.detail-row.total span:first-child,
.detail-row.total span:last-child {
    color: var(--color-primary);
    font-weight: 700;
}

.result-actions {
    margin-top: 1.5rem;
    padding-top: 1.25rem;
    border-top: 1px solid var(--color-border);
}

/* Guides Section (formerly Services) */
.services-section {
    padding: var(--space-24) 0;
    background-color: var(--color-bg);
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
}

.service-card {
    background: var(--color-white);
    padding: 2rem;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
    border: 1px solid var(--color-border);
}

.service-card-visual {
    overflow: hidden;
    padding: 0;
}

.service-card-inner {
    padding: 1.5rem 1.5rem 1.75rem;
}

.service-image {
    height: 170px;
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
}

.service-image-buyers {
    background-image: url('https://images.unsplash.com/photo-1518780664697-55e3ad937233?auto=format&fit=crop&w=900&q=80');
}

.service-image-refinance {
    background-image: url('https://images.unsplash.com/photo-1554224155-6726b3ff858f?auto=format&fit=crop&w=900&q=80');
}

.service-image-investment {
    background-image: url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?auto=format&fit=crop&w=900&q=80');
}

.service-image-selfemployed {
    background-image: url('https://images.unsplash.com/photo-1497215842964-222b430dc094?auto=format&fit=crop&w=900&q=80');
}

.service-image-renewals {
    background-image: url('https://images.unsplash.com/photo-1506784983877-45594efa4cbe?auto=format&fit=crop&w=900&q=80');
}

.service-image-immigrants {
    background-image: url('https://images.unsplash.com/photo-1529236183275-4fdcf2bc987e?auto=format&fit=crop&w=900&q=80');
}

.service-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-md);
    border-color: rgba(26, 95, 63, 0.2);
}

.service-icon {
    width: 64px;
    height: 64px;
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-light) 100%);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.5rem;
}

.service-icon i {
    font-size: 1.75rem;
    color: var(--color-white);
}

.service-card h3 {
    margin-bottom: 1rem;
    font-size: 1.25rem;
}

.service-card p {
    margin-bottom: 1.5rem;
    line-height: 1.7;
}

.service-link {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    color: var(--color-primary);
    font-weight: 600;
    transition: var(--transition);
}

.service-link:hover {
    gap: 0.75rem;
}

/* Why Us Section */
.why-us-section {
    padding: var(--space-24) 0;
    background-color: var(--color-bg-light);
}

.why-us-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
}

@media (max-width: 640px) {
    .container {
        padding: 0 1rem;
    }
    
    h1 {
        font-size: 2rem;
    }
    
    h2 {
        font-size: 1.5rem;
    }
    
    .hero-cta {
        flex-direction: column;
    }
    
    .hero-cta .btn {
        width: 100%;
    }
    
    .hero-card-visual {
        max-width: 100%;
    }
    
    .hero-stats {
        flex-direction: column;
        gap: 1.5rem;
    }
    
    .calculator-tiles,
    .services-grid {
        grid-template-columns: 1fr;
    }
    
    .footer-grid {
        grid-template-columns: 1fr;
        text-align: center;
    }
}d {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
}

.why-us-content h2 {
    margin-bottom: 1rem;
}

.why-us-content > p {
    margin-bottom: 2.5rem;
    font-size: 1.125rem;
}

.features-list {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.feature-item {
    display: flex;
    gap: 1rem;
    align-items: flex-start;
}

.feature-item i {
    font-size: 1.5rem;
    color: var(--color-accent);
    margin-top: 0.25rem;
}

.feature-item h4 {
    margin-bottom: 0.25rem;
    font-size: 1.125rem;
}

.feature-item p {
    font-size: 0.9375rem;
}

.why-us-image {
    display: flex;
    justify-content: center;
}

.image-card {
    background: var(--color-white);
    padding: 2rem;
    border-radius: var(--radius-xl);
    border: 1px solid var(--color-border);
    box-shadow: var(--shadow-sm);
    max-width: 400px;
}

.image-card-visual {
    overflow: hidden;
    padding: 0;
}

.image-card-photo {
    height: 220px;
    background-image: url('https://images.unsplash.com/photo-1556740749-887f6717d7e4?auto=format&fit=crop&w=900&q=80');
    background-size: cover;
    background-position: center;
}

.image-card-visual .customer-review {
    padding: 1.75rem;
}

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

.review-stars {
    color: var(--color-warning);
    margin-bottom: 1rem;
}

.review-text {
    font-size: 1.125rem;
    font-style: italic;
    color: var(--color-text);
    margin-bottom: 1.5rem;
    line-height: 1.6;
}

.reviewer-name {
    display: block;
    font-weight: 600;
    color: var(--color-text);
}

.reviewer-location {
    font-size: 0.875rem;
    color: var(--color-text-light);
}

.about-grid-refined {
    display: grid;
    grid-template-columns: minmax(0, 1.15fr) minmax(320px, 0.85fr);
    gap: 2rem;
    align-items: start;
}

.about-content-refined {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.about-highlight-strip {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 1rem;
}

.about-highlight-item {
    padding: 1rem 1.1rem;
    background: var(--color-bg-light);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
}

.about-highlight-label {
    display: block;
    font-size: 0.75rem;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--color-text-muted);
    margin-bottom: 0.35rem;
}

.about-highlight-item strong {
    color: var(--color-text);
    font-size: 1rem;
}

.about-feature-cards {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 1rem;
}

.about-feature-cards-stacked {
    grid-template-columns: 1fr;
    gap: 0.9rem;
}

.about-feature-card {
    padding: 1.25rem;
    border-radius: var(--radius-lg);
    background: var(--color-white);
    border: 1px solid var(--color-border);
    box-shadow: var(--shadow-sm);
}

.about-feature-card i {
    font-size: 1.4rem;
    color: var(--color-primary);
    margin-bottom: 0.9rem;
}

.about-feature-card h4 {
    margin-bottom: 0.5rem;
    font-size: 1.1rem;
}

.about-feature-card-scout {
    background: linear-gradient(135deg, rgba(26,95,63,0.08) 0%, rgba(45,122,82,0.06) 100%);
    border-color: rgba(26,95,63,0.16);
}

.about-feature-card-emphasis {
    background: linear-gradient(180deg, rgba(248,250,252,0.95) 0%, rgba(255,255,255,1) 100%);
}

.about-inline-stat-row {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 0.9rem;
}

.about-inline-stat {
    padding: 0.95rem 1rem;
    background: var(--color-bg-light);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
}

.about-inline-stat-label {
    display: block;
    font-size: 0.72rem;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--color-text-muted);
    margin-bottom: 0.35rem;
}

.about-inline-stat strong {
    color: var(--color-text);
    font-size: 0.95rem;
}

.about-visual-refined {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.about-card-primary,
.about-card-secondary {
    background: var(--color-white);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-md);
    padding: 1.35rem;
}

.about-card-primary {
    background: linear-gradient(180deg, rgba(248,250,252,0.9) 0%, var(--color-white) 100%);
}

.about-checklist {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 0.85rem;
    margin-top: 1.25rem;
}

.about-checklist li {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
    color: var(--color-text);
}

.about-checklist i {
    color: var(--color-primary);
    margin-top: 0.1rem;
}

.about-card-secondary h3 {
    margin-bottom: 0.85rem;
}

.about-card-compact {
    padding: 1.1rem 1.2rem;
}

.about-stats-grid-compact {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 0.85rem;
}

/* CTA Section */
.cta-section {
    padding: 5rem 0;
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-light) 100%);
    text-align: center;
}

.cta-content h2 {
    color: var(--color-white);
    font-size: 2.5rem;
    margin-bottom: 1rem;
}

.cta-content p {
    color: rgba(255, 255, 255, 0.9);
    font-size: 1.25rem;
    margin-bottom: 2rem;
}

.cta-buttons {
    display: flex;
    gap: 1rem;
    justify-content: center;
}

/* Contact Section */
.contact-section {
    padding: var(--space-24) 0;
    background-color: var(--color-bg);
}

.contact-grid {
    display: grid;
    grid-template-columns: 0.9fr 1.1fr;
    gap: 3rem;
    align-items: start;
}

.contact-info h2 {
    margin-bottom: 1rem;
}

.contact-info > p {
    margin-bottom: 2.5rem;
    font-size: 1.125rem;
}

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

.contact-item {
    display: flex;
    gap: 1rem;
    align-items: flex-start;
}

.contact-item i {
    font-size: 1.25rem;
    color: var(--color-primary);
    margin-top: 0.25rem;
}

.contact-item h4 {
    margin-bottom: 0.25rem;
    font-size: 1rem;
}

.contact-item p {
    font-size: 0.9375rem;
    line-height: 1.5;
}

.contact-form-wrapper {
    background: linear-gradient(180deg, rgba(255,255,255,1) 0%, rgba(248,250,252,0.96) 100%);
    padding: 2rem;
    border-radius: var(--radius-xl);
    border: 1px solid var(--color-border);
    box-shadow: var(--shadow-sm);
}

.contact-form {
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
}

.form-success {
    display: none;
    text-align: center;
    padding: 2rem;
}

.form-success.show {
    display: block;
}

.form-success i {
    font-size: 4rem;
    color: var(--color-success);
    margin-bottom: 1rem;
}

.form-success h3 {
    margin-bottom: 0.5rem;
}

/* Footer */
.footer {
    background-color: var(--color-bg-gray);
    padding: var(--space-16) 0 2rem;
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 3rem;
    margin-bottom: 3rem;
}

.footer-brand .logo {
    margin-bottom: 1rem;
}

.footer-brand p {
    margin-bottom: 1.5rem;
    font-size: 0.9375rem;
    line-height: 1.7;
}

.social-links {
    display: flex;
    gap: 1rem;
}

.social-links a {
    width: 40px;
    height: 40px;
    background: var(--color-primary);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-white);
    transition: var(--transition);
}

.social-links a:hover {
    background: var(--color-primary-dark);
    transform: translateY(-3px);
}

.footer-links h4 {
    margin-bottom: 1.5rem;
    font-size: 1.125rem;
}

.footer-links ul {
    list-style: none;
}

.footer-links li {
    margin-bottom: 0.75rem;
}

.footer-links a {
    color: var(--color-text-light);
    transition: var(--transition);
}

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


/* Newsletter */
.footer-newsletter {
    max-width: 320px;
}

.footer-newsletter h4 {
    font-size: 1rem;
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    font-weight: 600;
    line-height: 1.6;
    margin-bottom: var(--space-3);
    color: var(--color-text);
}

.footer-newsletter p {
    font-size: 1rem;
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    color: var(--color-text-light);
    margin-bottom: var(--space-4);
    line-height: 1.6;
}

/* Signup (consumer registration) */
.signup-alert {
    background: #fef2f2;
    border: 1px solid #fecaca;
    color: #991b1b;
    padding: 0.875rem 1rem;
    border-radius: var(--radius-md);
    font-size: 0.9375rem;
    margin-bottom: 1.25rem;
}

.signup-alert[hidden] {
    display: none !important;
}

.label-optional {
    font-weight: 400;
    color: var(--color-text-muted);
    font-size: 0.8125rem;
}

.form-input-with-status {
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.form-input-with-status > input {
    flex: 1;
    min-width: 0;
}

.form-input-with-status .field-status {
    flex: 0 0 auto;
    width: 1.25rem;
    text-align: center;
    font-size: 0.9rem;
}

.form-phone-group {
    display: flex;
    align-items: stretch;
    gap: 0.5rem;
}

.form-phone-group .form-phone-prefix {
    flex: 0 0 auto;
    display: flex;
    align-items: center;
    padding: 0.875rem 1rem;
    border: 2px solid var(--color-border);
    border-radius: var(--radius-md);
    background: var(--color-bg-gray);
    font-size: 1rem;
    color: var(--color-text);
}

.form-phone-group input {
    flex: 1;
    min-width: 0;
}

.form-field-msg {
    display: block;
    color: #dc2626;
    font-size: 0.8125rem;
    margin-top: 0.25rem;
}

.form-field-msg[hidden] {
    display: none !important;
}

.form-field-msg.form-hint-muted {
    color: var(--color-text-muted);
}

.form-group input.input-invalid {
    border-color: #dc2626;
}

button.btn-primary:disabled {
    opacity: 0.55;
    cursor: not-allowed;
}

.btn-loading {
    pointer-events: none;
    opacity: 0.85;
}

@media (max-width: 560px) {
    .signup-form-wrapper .form-row {
        grid-template-columns: 1fr;
    }
}