/* ==========================================================================
   City Capital Real Estate — Orlando, FL
   Design system: White Glass & Aqua, with warm orange support accents — one
   clean light theme, no dark mode. Same structural system as the JD Lendings
   build (floating glass-pill header, mega-menus, glow cards, funnels);
   recolored white / aqua green-blue / orange to match the City Capital mark.
   ========================================================================== */

:root {
  --bg: #f7fbfb;
  --bg-raised: #ecf4f5;
  --bg-card: #ffffff;
  --bg-glass: rgba(255,255,255,0.72);
  --bg-glass-strong: rgba(255,255,255,0.88);
  --bg-alt: linear-gradient(180deg, #f1f8f8, #e4eff0);
  --border: #dfeaeb;
  --border-strong: #c6d8da;

  --ink: #0d2429;
  --ink-soft: #3b5257;
  --ink-muted: #63797e;
  --ink-faint: #8aa1a6;

  /* "silver" tokens carry the brand aqua — kept the historical variable
     names so every existing rule below (buttons, chat widget, glows, credential
     cards, stat strip, etc.) re-themes from one place. */
  --silver: #0FAEB9;
  --silver-light: #2BC8D4;
  --silver-deep: #0A8A94;
  --silver-gradient: linear-gradient(90deg, var(--silver-deep), var(--silver-light));
  --on-silver: #04343A;

  /* Warm orange support accent — "some orange" per the brand brief. Used
     sparingly: price tags, status badges, the careers/recruiting moments,
     and one accent word per hero. */
  --orange: #F97316;
  --orange-light: #FB923C;
  --orange-deep: #EA580C;
  --orange-gradient: linear-gradient(90deg, var(--orange-deep), var(--orange-light));
  --on-orange: #401A00;

  --input-bg: #ffffff;
  --nav-bg: rgba(255,255,255,0.78);
  --shadow: rgba(10,55,62,0.1);
  --quote-mark: rgba(15,174,185,0.22);

  /* Type */
  --font-head: 'General Sans', 'Space Grotesk', 'Neue Montreal', Arial, sans-serif;
  --font-body: 'Satoshi', 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;

  /* Layout */
  --max: 1180px;
  --radius: 6px;
  --radius-lg: 14px;
  --radius-pill: 100px;
  --container-max: 1180px;
  --space-3: 1.5rem;

  color-scheme: light;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
html, body { overflow-x: clip; }

body {
  margin: 0;
  width: 100%;
  background: var(--bg);
  color: var(--ink-soft);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  transition: background-color 0.35s ease, color 0.35s ease;
}

h1, h2, h3, h4 {
  font-family: var(--font-head);
  font-weight: 600;
  color: var(--ink);
  letter-spacing: -0.01em;
  margin: 0;
}

p { margin: 0; }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
button { font-family: inherit; cursor: pointer; }

.wrap {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 32px;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  font-family: var(--font-head);
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--silver);
  background: rgba(15,174,185,0.08);
  border: 1px solid rgba(15,174,185,0.24);
  border-radius: 999px;
  padding: 7px 16px;
}

.section-head { max-width: 640px; margin-bottom: 56px; }
.section-head h2 { font-size: clamp(28px, 3.4vw, 40px); line-height: 1.15; margin-top: 14px; }
.section-head p { margin-top: 16px; color: var(--ink-muted); font-size: 16px; line-height: 1.7; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }

section { position: relative; padding: 110px 0; }
section.tight { padding: 90px 0; }

/* No dark sections anywhere on the site — .section-dark is kept only so
   older markup referencing the class name doesn't break; it now renders as
   a soft warm-grey "raised" section (one shade off white) for visual
   separation between sections, same as .section-light's alt tone. */
.section-dark, .section-alt {
  --bg: #ecf4f5; --bg-card: #ffffff;
  background: var(--bg); color: var(--ink-soft); border-top: 1px solid var(--border);
}
.section-light {
  --bg: #ffffff; --bg-card: #ffffff;
  background: var(--bg); color: var(--ink-soft); border-top: 1px solid var(--border);
}

.glow {
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
  background: radial-gradient(circle, rgba(15,174,185,0.12) 0%, rgba(0,0,0,0) 70%);
  z-index: 0;
}

.accent-text {
  background: linear-gradient(115deg, var(--silver-light), var(--silver) 45%, var(--silver-deep), var(--silver) 65%, var(--silver-light));
  background-size: 220% auto;
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  animation: accent-shimmer 5s ease-in-out infinite;
}
@keyframes accent-shimmer { 0% { background-position: 0% center; } 50% { background-position: 100% center; } 100% { background-position: 0% center; } }
@media (prefers-reduced-motion: reduce) { .accent-text { animation: none; } }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 13.5px;
  letter-spacing: 0.02em;
  padding: 15px 28px;
  border-radius: 999px;
  border: 1px solid transparent;
  white-space: nowrap;
  transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease, border-color 0.2s ease;
}
/* Light streak sweep across every gradient (gold) button/CTA — fires once
   on hover only (not a constant idle loop). */
.btn-primary::before, .site-nav__cta::before {
  content: '';
  position: absolute; inset: 0; z-index: 2; pointer-events: none;
  border-radius: inherit; overflow: hidden;
  background-image: linear-gradient(115deg, transparent 40%, rgba(255,255,255,0.55) 50%, transparent 60%);
  background-repeat: no-repeat;
  background-size: 220% 220%;
  background-position: -80% 50%;
}
.btn-primary:hover::before, .site-nav__cta:hover::before { animation: btn-shine 0.9s ease-out; }
@keyframes btn-shine { 0% { background-position: 180% 50%; } 100% { background-position: -80% 50%; } }
@media (prefers-reduced-motion: reduce) { .btn-primary:hover::before, .site-nav__cta:hover::before { animation: none; } }
.btn-primary {
  position: relative;
  overflow: hidden;
  background: linear-gradient(90deg, var(--silver-deep), var(--silver));
  border: none;
  color: var(--on-silver);
  box-shadow: 0 8px 24px rgba(15,174,185,0.14);
  will-change: transform;
  transition: transform 0.2s ease, box-shadow 0.2s ease, filter 0.2s ease;
  /* Unique gradient-button treatment: a slow idle "breathing" glow so gold
     CTAs read as alive even before you touch them — pauses on hover, where
     the sharper lift + shine take over instead of fighting it. */
  animation: btn-glow-pulse 3.2s ease-in-out infinite;
}
.btn-primary:hover { transform: translateY(-1px); box-shadow: 0 12px 30px rgba(15,174,185,0.24); filter: brightness(1.06); animation-play-state: paused; }
@keyframes btn-glow-pulse { 0%, 100% { box-shadow: 0 8px 24px rgba(15,174,185,0.14); } 50% { box-shadow: 0 10px 32px rgba(15,174,185,0.36); } }
@media (prefers-reduced-motion: reduce) { .btn-primary { animation: none; } }
/* Secondary buttons pair by complement: next to an aqua gradient primary
   the outline is ORANGE (orange border + orange translucent hover sweep);
   next to an orange gradient primary, add .btn-outline-aqua for the aqua
   counterpart. */
.btn-outline {
  position: relative;
  overflow: hidden;
  isolation: isolate;
  color: var(--ink);
  border-color: rgba(234,88,12,0.45);
  background: rgba(249,115,22,0.03);
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease, color 0.2s ease;
}
/* Fill sweeps in from the left on hover (distinct from the gradient
   button's shine/glow), instead of an instant background swap. */
.btn-outline::after {
  content: '';
  position: absolute; inset: 0; z-index: -1;
  background: linear-gradient(90deg, rgba(249,115,22,0.18), rgba(249,115,22,0.08));
  transform: scaleX(0); transform-origin: left center;
  transition: transform 0.35s cubic-bezier(.16,.84,.44,1);
}
.btn-outline:hover { border-color: var(--orange); transform: translateY(-1px); box-shadow: 0 10px 22px rgba(249,115,22,0.16); }
.btn-outline:hover::after { transform: scaleX(1); }
@media (prefers-reduced-motion: reduce) { .btn-outline::after { transition: none; } }
.btn-outline.btn-outline-aqua { border-color: rgba(15,174,185,0.5); background: rgba(15,174,185,0.04); }
.btn-outline.btn-outline-aqua::after { background: linear-gradient(90deg, rgba(15,174,185,0.18), rgba(15,174,185,0.08)); }
.btn-outline.btn-outline-aqua:hover { border-color: var(--silver); box-shadow: 0 10px 22px rgba(15,174,185,0.16); }
.btn-block { width: 100%; }
.btn-lg { padding: 19px 38px; font-size: 14.5px; }
.btn-sm { padding: 12px 20px; font-size: 13px; }

/* ==========================================================================
   Nav — floating glass-pill header (same structural system as the Centric
   Realty Services build: fixed bar, transparent over the hero, blurred once
   scrolled, logo | pill nav w/ mega-menus | actions, all in three separate
   glass pills). Recolored gold/black for JD Lending Group.
   ========================================================================== */
.site-nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  background: transparent; backdrop-filter: none;
  transition: background-color 0.4s ease, backdrop-filter 0.4s ease, box-shadow 0.4s ease;
}
.site-nav.is-scrolled {
  background: rgba(255,255,255,0.82);
  backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px);
  box-shadow: 0 1px 0 rgba(0,0,0,0.04), 0 12px 30px rgba(10,55,62,0.1);
}
.site-nav__inner {
  max-width: var(--max); margin: 0 auto; padding: 18px 32px;
  display: grid; grid-template-columns: 1fr auto 1fr; align-items: center; gap: 16px;
}
.site-nav__logo { grid-column: 1; justify-self: start; }
.site-nav__pill { grid-column: 2; justify-self: center; }
.site-nav__actions { grid-column: 3; justify-self: end; }

.site-nav__logo { display: inline-flex; align-items: center; gap: 10px; }
.site-nav__logo img { display: block; height: 40px; width: auto; filter: drop-shadow(0 2px 6px rgba(0,0,0,0.5)); }
.site-nav__logo-word { font-family: var(--font-head); font-weight: 700; font-size: 13.5px; letter-spacing: 0.01em; color: var(--ink); line-height: 1.15; }
.site-nav__logo-word span { display: block; font-size: 9.5px; font-weight: 500; letter-spacing: 0.14em; text-transform: uppercase; color: var(--silver); }

.site-nav__pill {
  background: rgba(255,255,255,0.55);
  border: 1px solid rgba(13,36,41,0.08);
  border-radius: var(--radius-pill);
  padding: 4px 6px;
}
.site-nav.is-scrolled .site-nav__pill,
.site-nav.is-scrolled .site-nav__icon-btn,
.site-nav.is-scrolled .site-nav__toggle { background: rgba(13,36,41,0.04); }
.site-nav__links { display: flex; align-items: center; gap: 2px; list-style: none; margin: 0; padding: 0; font-size: 13px; font-weight: 600; color: var(--ink-soft); white-space: nowrap; }
.site-nav__links > li { position: relative; }
.site-nav__links > li > a, .site-nav__links > li > button {
  background: none; border: none; color: inherit; font: inherit; cursor: pointer;
  padding: 10px 15px; border-radius: var(--radius-pill);
  display: inline-flex; align-items: center; gap: 5px;
  transition: background 0.2s ease, color 0.2s ease;
}
.site-nav__links a:hover, .site-nav__links button:hover { color: var(--ink); background: rgba(13,36,41,0.06); }
.site-nav__chevron { width: 12px; height: 12px; opacity: 0.7; transition: transform 0.2s ease; }
.site-nav__item.is-open .site-nav__chevron { transform: rotate(180deg); }

.site-nav__actions { display: flex; align-items: center; gap: 10px; }
.site-nav__icon-btn {
  display: flex; align-items: center; justify-content: center; gap: 4px;
  height: 42px; min-width: 42px; padding: 0 12px;
  background: rgba(255,255,255,0.55); border: 1px solid rgba(13,36,41,0.08);
  color: var(--ink-soft); border-radius: var(--radius-pill);
  font-family: var(--font-head); font-weight: 700; font-size: 12px; letter-spacing: 0.03em;
  cursor: pointer; transition: border-color 0.2s ease, color 0.2s ease, background 0.2s ease, transform 0.2s ease;
}
.site-nav__icon-btn:hover { border-color: var(--silver); color: var(--silver-deep); background: rgba(13,36,41,0.06); transform: translateY(-1px); }
.site-nav__cta {
  position: relative; overflow: hidden;
  background: var(--silver-gradient); color: var(--on-silver); font-weight: 700; font-size: 12.5px;
  padding: 11px 20px; border-radius: var(--radius-pill); white-space: nowrap;
  box-shadow: 0 8px 22px rgba(15,174,185,0.22);
  will-change: transform;
  transition: transform 0.2s ease, box-shadow 0.2s ease, filter 0.2s ease;
}
.site-nav__cta:hover { transform: translateY(-1px); box-shadow: 0 12px 28px rgba(15,174,185,0.32); filter: brightness(1.05); }
.site-nav__call { display: none; }
.site-nav__lang { position: relative; }
.lang-toggle-btn { width: auto; padding: 0 12px; }
.lang-menu {
  display: none; position: absolute; top: calc(100% + 10px); right: 0; min-width: 180px;
  background: rgba(255,255,255,0.96); backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px);
  border: 1px solid var(--border); border-radius: 12px;
  box-shadow: 0 24px 48px rgba(10,55,62,0.16); padding: 6px;
}
.lang-menu.is-open { display: block; }
.lang-menu button {
  display: block; width: 100%; text-align: left; background: none; border: none;
  color: var(--ink); font-size: 14px; font-weight: 600; font-family: var(--font-body);
  padding: 10px 12px; border-radius: 8px; cursor: pointer;
}
.lang-menu button:hover { background: rgba(13,36,41,0.05); }
.lang-menu button.is-active { color: var(--silver-deep); }

.site-nav__toggle {
  display: none; align-items: center; justify-content: center; width: 42px; height: 42px;
  background: rgba(255,255,255,0.55); border: 1px solid rgba(13,36,41,0.08);
  border-radius: var(--radius-pill); color: var(--ink); cursor: pointer;
}
.site-nav__toggle .icon { width: 20px; height: 20px; }

/* Mega-menus — white glass 2-col dropdown, matches the pill's own glass */
.mega-menu {
  display: none; position: absolute; top: calc(100% + 10px); left: 50%; transform: translateX(-50%);
  width: 600px; background: rgba(255,255,255,0.96); backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg); box-shadow: 0 24px 48px rgba(10,55,62,0.16);
  padding: 10px; grid-template-columns: 1fr 1fr; gap: 4px;
}
.site-nav__item.is-open .mega-menu { display: grid; }
.mega-menu a { display: block; padding: 14px 16px; border-radius: 10px; transition: background 0.2s ease; overflow-wrap: break-word; }
.mega-menu a:hover { background: rgba(13,36,41,0.05); }
.mega-menu a strong { display: block; font-family: var(--font-head); font-size: 13.5px; font-weight: 700; color: var(--ink); margin-bottom: 4px; white-space: nowrap; }
.mega-menu a span { display: block; font-size: 12px; color: var(--ink-faint); line-height: 1.5; }

@media (min-width: 1025px) { .site-nav__call { display: inline-flex; } }

/* Mid-desktop squeeze — smaller laptops / zoomed desktops keep the FULL
   pill nav (tighter type + padding) instead of collapsing to a hamburger.
   Fixes the JD-inherited dead zone where desktop widths under 1180px got
   an empty pill blob + a toggle whose dropdown had no styles. */
@media (max-width: 1360px) and (min-width: 1025px) {
  .site-nav__inner { padding: 16px 20px; gap: 10px; }
  .site-nav__logo .logo-light, .site-nav__logo .logo-dark { height: 40px; }
  .site-nav__links { font-size: 12px; }
  .site-nav__links > li > a, .site-nav__links > li > button { padding: 9px 10px; gap: 4px; }
  .site-nav__actions { gap: 8px; }
  .site-nav__icon-btn { height: 38px; min-width: 38px; padding: 0 10px; }
  .site-nav__cta { font-size: 12px; padding: 10px 14px; }
}

/* Hamburger / dropdown nav — one unified breakpoint. The pill collapses
   entirely (no empty blob) and the toggle opens the frosted dropdown. */
@media (max-width: 1024px) {
  .site-nav__pill { max-width: 0; max-height: 0; overflow: hidden; padding: 0; border: none; background: transparent; }
  .site-nav__pill.is-mobile-open,
  .site-nav.is-scrolled .site-nav__pill.is-mobile-open {
    position: fixed; justify-self: stretch; top: 78px; left: 16px; right: 16px;
    max-width: none; background: rgba(255,255,255,0.98); backdrop-filter: blur(16px);
    border: 1px solid var(--border); border-radius: 20px;
    padding: 10px 10px 14px; max-height: calc(100vh - 100px); overflow-y: auto;
    box-shadow: 0 24px 48px rgba(10,55,62,0.18);
  }
  .site-nav__links { flex-direction: column; align-items: stretch; gap: 2px; font-size: 14.5px; }
  .site-nav__links > li > a, .site-nav__links > li > button { width: 100%; justify-content: space-between; padding: 14px 14px; }
  .mega-menu {
    display: none; position: static; transform: none; width: 100%;
    grid-template-columns: 1fr; box-shadow: none; border: none;
    background: rgba(13,36,41,0.03); margin-bottom: 4px;
  }
  .site-nav__item.is-open .mega-menu { display: grid; }
  .site-nav__toggle { display: flex; }
}
@media (max-width: 640px) {
  .site-nav__inner { padding: 14px 18px; }
  .site-nav__logo-word { display: none; }
  .site-nav__logo img { height: 32px; }
  .site-nav__icon-btn:not(#langToggle) { display: none; }
}

/* ==========================================================================
   Hero — same full-bleed photo + dark scrim treatment as the officer-page
   hero. No floating card — copy sits directly on the photo.
   ========================================================================== */
.hero {
  padding: 168px 0 110px;
  overflow: hidden;
  position: relative;
  min-height: 88vh;
  display: flex;
  align-items: center;
  color: #fff;
}
.hero .wrap { display: flex; flex-direction: column; align-items: center; text-align: center; gap: 0; position: relative; z-index: 1; max-width: 760px; }

.hero-bg-scene {
  position: absolute; inset: 0; z-index: 0;
  background-color: #101315;
  background-image: url("assets/home.jpg");
  background-repeat: no-repeat;
  background-position: center 42%;
  /* cover — always fills the section edge-to-edge with no blank/letterbox
     bars, regardless of viewport aspect ratio. The Ken Burns animation
     below still gives it a slow, seamless breathing zoom. */
  background-size: cover;
  filter: blur(3px);
  transform-origin: center center;
  animation: hero-kenburns 24s ease-in-out infinite alternate;
}
@keyframes hero-kenburns {
  0% { transform: scale(1); }
  100% { transform: scale(1.09); }
}
@media (prefers-reduced-motion: reduce) {
  .hero-bg-scene { animation: none; }
}
/* Neutral translucent scrim — plain black-based glass, no color cast, so
   the photo keeps its true colors while the copy stays readable. */
.hero-bg-overlay {
  position: absolute; inset: 0; z-index: 0;
  background:
    linear-gradient(0deg, rgba(8,10,12,0.62) 0%, rgba(8,10,12,0.38) 45%, rgba(8,10,12,0.16) 100%),
    rgba(8,10,12,0.08);
}

.hero-copy { display: flex; flex-direction: column; align-items: center; }
.hero-copy .eyebrow { background: rgba(255,255,255,0.14); border-color: rgba(255,255,255,0.32); color: #fff; }
.hero-copy h1 { font-size: clamp(38px, 4.8vw, 60px); line-height: 1.08; margin-top: 16px; color: #fff; }
.hero-copy .lede { margin-top: 20px; font-size: 17.5px; color: rgba(255,255,255,0.82); max-width: 560px; line-height: 1.75; }
.hero-actions { display: flex; gap: 14px; margin-top: 32px; flex-wrap: wrap; justify-content: center; }
.hero .btn-outline, .officer-simple-hero .btn-outline, .page-header-photo .btn-outline, .heloc-card-content .btn-outline {
  color: #fff; border-color: rgba(251,146,60,0.65); background: rgba(249,115,22,0.1);
}
.hero .btn-outline:hover, .officer-simple-hero .btn-outline:hover, .page-header-photo .btn-outline:hover, .heloc-card-content .btn-outline:hover {
  border-color: var(--orange-light); background: rgba(249,115,22,0.24);
}
.hero .btn-outline.btn-outline-aqua, .officer-simple-hero .btn-outline.btn-outline-aqua, .page-header-photo .btn-outline.btn-outline-aqua, .heloc-card-content .btn-outline.btn-outline-aqua {
  border-color: rgba(43,200,212,0.65); background: rgba(15,174,185,0.12);
}
.hero .btn-outline.btn-outline-aqua:hover, .officer-simple-hero .btn-outline.btn-outline-aqua:hover, .page-header-photo .btn-outline.btn-outline-aqua:hover, .heloc-card-content .btn-outline.btn-outline-aqua:hover {
  border-color: var(--silver-light); background: rgba(15,174,185,0.26);
}
.hero-license { margin-top: 36px; font-size: 12px; color: rgba(255,255,255,0.6); letter-spacing: 0.02em; }
.hero-stats { display: flex; gap: 36px; margin-top: 44px; padding-top: 32px; border-top: 1px solid rgba(255,255,255,0.2); justify-content: center; }
.hero-stat b { display: block; font-family: var(--font-head); font-size: 24px; font-weight: 600; color: #fff; }
.hero-stat span { font-size: 12.5px; color: rgba(255,255,255,0.65); }

@media (max-width: 900px) {
  .hero { padding: 150px 0 80px; min-height: 82vh; }
  .hero .wrap { text-align: center; align-items: center; }
  .hero-stats { gap: 24px; flex-wrap: wrap; justify-content: center; }
  .hero-copy .lede { margin-left: auto; margin-right: auto; }
  .hero-actions { justify-content: center; }
}

/* ==========================================================================
   Dedicated page header
   ========================================================================== */
.page-header { padding: 128px 0 70px; border-bottom: 1px solid var(--border); position: relative; overflow: hidden; }
.page-header .wrap { position: relative; z-index: 1; }
.page-header-back { display: inline-flex; align-items: center; gap: 6px; font-size: 13px; color: var(--ink-faint); margin-bottom: 18px; transition: color 0.2s ease; }
.page-header-back:hover { color: var(--silver-light); }
.page-header h1 { margin-top: 14px; font-size: clamp(30px, 4vw, 46px); line-height: 1.1; }
.page-header p { margin-top: 16px; color: var(--ink-muted); font-size: 16px; max-width: 560px; line-height: 1.7; }

.page-header.center { text-align: center; }
.page-header.center .wrap { display: flex; flex-direction: column; align-items: center; }
.page-header.center h1 { max-width: 680px; }
.page-header.center p { margin-left: auto; margin-right: auto; }

/* Photo page header — exact same treatment as the homepage hero: a
   separate blurred photo layer (::before, reading the --photo custom
   property set inline per page) + dark gradient scrim (::after) + white
   text. Add class="page-header-photo" plus style="--photo:url('...')"
   (kept inline, one per page, rather than a class per photo). */
.page-header-photo { border-bottom: none; background-color: #101315; padding: 150px 0 84px; color: #fff; }
.page-header-photo::before {
  content: ''; position: absolute; inset: 0; z-index: 0;
  background-image: var(--photo); background-size: cover; background-position: var(--photo-pos, center);
  filter: blur(3px);
}
.page-header-photo::after {
  content: ''; position: absolute; inset: 0; z-index: 0;
  background:
    linear-gradient(0deg, rgba(8,10,12,0.72) 0%, rgba(8,10,12,0.46) 45%, rgba(8,10,12,0.26) 100%),
    rgba(8,10,12,0.14);
}
.page-header-photo .page-header-back { color: rgba(255,255,255,0.72); }
.page-header-photo .page-header-back:hover { color: var(--silver-light); }
.page-header-photo .eyebrow { background: rgba(255,255,255,0.14); border-color: rgba(255,255,255,0.32); color: #fff; }
.page-header-photo h1, .page-header-photo p { color: #fff; }
.page-header-photo p { color: rgba(255,255,255,0.82); }

/* Translucent variant — same photo layer, but a frosted white-glass scrim
   with dark ink instead of the dark gradient. Add class="ph-light". */
.page-header-photo.ph-light { background-color: var(--bg); color: var(--ink); border-bottom: 1px solid var(--border); }
.page-header-photo.ph-light::after {
  background:
    linear-gradient(0deg, rgba(247,251,251,0.82) 0%, rgba(247,251,251,0.55) 45%, rgba(247,251,251,0.32) 100%),
    rgba(255,255,255,0.08);
}
.page-header-photo.ph-light .page-header-back { color: var(--ink-faint); }
.page-header-photo.ph-light .page-header-back:hover { color: var(--ink); }
.page-header-photo.ph-light .eyebrow { background: rgba(15,174,185,0.12); border-color: rgba(15,174,185,0.3); color: var(--silver); }
.page-header-photo.ph-light h1 { color: var(--ink); }
.page-header-photo.ph-light p { color: var(--ink-soft); }

/* ==========================================================================
   About
   ========================================================================== */
.about-wrap { display: grid; grid-template-columns: 1.05fr 1.15fr; gap: 56px; align-items: start; }
.about-visual {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--border);
  background: var(--bg-alt);
  box-shadow: 0 24px 50px var(--shadow);
}
.about-visual img { width: 100%; display: block; }
.about-visual::after {
  content: '';
  position: absolute; inset: 0; z-index: 2; pointer-events: none;
  background-image: linear-gradient(120deg, transparent 42%, rgba(255,255,255,0.22) 50%, transparent 58%);
  background-repeat: no-repeat;
  background-size: 260% 160%;
  background-position: -60% 50%;
  animation: card-shine 6s ease-in-out infinite;
}
@media (prefers-reduced-motion: reduce) { .about-visual::after { animation: none; } }
.about-visual-badge {
  position: absolute; left: 16px; bottom: 16px; z-index: 3;
  background: rgba(15,16,18,0.42);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: 10px; padding: 12px 16px;
  box-shadow: 0 14px 32px rgba(0,0,0,0.45);
  display: flex; flex-direction: column; gap: 2px;
}
.about-visual-badge b { font-family: var(--font-head); font-size: 20px; color: #f4f5f7; font-weight: 600; }
.about-visual-badge span { font-size: 10.5px; color: rgba(244,245,247,0.65); letter-spacing: 0.02em; }

.social-icons { display: flex; gap: 12px; margin-top: 24px; }
.social-icon {
  width: 42px; height: 42px; border-radius: 50%;
  box-shadow: 0 0 0 1px var(--border-strong);
  background: var(--bg-card);
  color: var(--ink-muted);
  display: flex; align-items: center; justify-content: center;
  will-change: transform;
  transition: transform 0.25s ease, color 0.25s ease, box-shadow 0.25s ease, background 0.25s ease;
}
.social-icon:hover {
  color: var(--on-silver);
  background: var(--silver-gradient);
  transform: translateY(-4px) scale(1.06);
  box-shadow: 0 12px 26px rgba(15,174,185,0.28), 0 0 1px 1px var(--silver);
}

.about-intro { max-width: 640px; }
.about-intro h2 { margin-top: 14px; font-size: clamp(26px, 3.2vw, 36px); line-height: 1.25; }
.about-intro p { margin-top: 18px; color: var(--ink-muted); font-size: 15.5px; line-height: 1.75; }
.about-credentials { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 44px; }

@media (max-width: 900px) {
  .about-wrap { grid-template-columns: 1fr; }
  .about-visual { max-width: 380px; }
}
.credential {
  position: relative; overflow: hidden;
  padding: 24px 22px;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  transition: border-color 0.25s ease, transform 0.25s ease, box-shadow 0.25s ease;
}
.credential::before {
  content: '';
  position: absolute; inset: 0;
  background-image: url("assets/handshake.jpg");
  background-size: cover; background-position: center;
  opacity: 0.14; filter: grayscale(1);
  mask-image: linear-gradient(135deg, rgba(0,0,0,0.95) 0%, transparent 58%);
  -webkit-mask-image: linear-gradient(135deg, rgba(0,0,0,0.95) 0%, transparent 58%);
  pointer-events: none;
}
.credential::after {
  content: ''; position: absolute; inset: 0; z-index: 1; pointer-events: none;
  background-image: linear-gradient(115deg, transparent 42%, rgba(15,174,185,0.16) 50%, transparent 58%);
  background-repeat: no-repeat; background-size: 220% 220%; background-position: -60% -60%;
  opacity: 0; transition: opacity 0.3s ease;
}
.credential:hover::after { opacity: 1; animation: program-shine 1.1s ease-out; }
.credential > * { position: relative; z-index: 2; }
.credential:hover { border-color: rgba(15,174,185,0.4); transform: translateY(-6px) scale(1.015); box-shadow: 0 22px 46px rgba(15,174,185,0.14); }
.credential .num {
  display: flex; align-items: center; justify-content: center; width: 34px; height: 34px; border-radius: 50%;
  font-family: var(--font-head); color: var(--silver-deep); font-weight: 600; font-size: 13px; margin-bottom: 16px;
  background: rgba(15,174,185,0.1); will-change: transform;
  transition: transform 0.4s cubic-bezier(.34,1.56,.64,1), background 0.35s ease, color 0.35s ease, box-shadow 0.3s ease;
}
.credential:hover .num { transform: scale(1.15) rotate(-12deg); background: var(--silver-gradient); color: var(--on-silver); box-shadow: 0 0 10px 5px rgba(15,174,185,0.15); }
@media (prefers-reduced-motion: reduce) { .credential:hover::after { animation: none; } }
.credential h4 { font-size: 15px; margin-bottom: 8px; }
.credential p { font-size: 13.5px; color: var(--ink-faint); line-height: 1.6; }

@media (max-width: 900px) { .about-credentials { grid-template-columns: 1fr; } }

/* ==========================================================================
   Tilt cards
   ========================================================================== */
.tilt-card { transform-style: preserve-3d; will-change: transform; }
@media (prefers-reduced-motion: reduce) { .tilt-card { transition: none !important; } }

/* ==========================================================================
   Generated background treatments
   ========================================================================== */
.areas-section, .why-section { overflow: hidden; }

.bg-skyline {
  position: absolute; inset: auto 0 0 0; height: 320px; pointer-events: none; z-index: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='900' height='320' viewBox='0 0 900 320'%3E%3Cg fill='%23c3c7cd' fill-opacity='0.14'%3E%3Crect x='0' y='140' width='60' height='180'/%3E%3Crect x='70' y='90' width='44' height='230'/%3E%3Crect x='124' y='170' width='50' height='150'/%3E%3Crect x='184' y='60' width='38' height='260'/%3E%3Crect x='230' y='120' width='64' height='200'/%3E%3Crect x='302' y='40' width='34' height='280'/%3E%3Crect x='344' y='160' width='56' height='160'/%3E%3Crect x='408' y='100' width='42' height='220'/%3E%3Crect x='458' y='150' width='60' height='170'/%3E%3Crect x='526' y='70' width='36' height='250'/%3E%3Crect x='570' y='130' width='58' height='190'/%3E%3Crect x='636' y='30' width='40' height='290'/%3E%3Crect x='684' y='150' width='50' height='170'/%3E%3Crect x='742' y='95' width='44' height='225'/%3E%3Crect x='794' y='165' width='54' height='155'/%3E%3Crect x='856' y='110' width='44' height='210'/%3E%3C/g%3E%3Cg fill='%23eef0f2' fill-opacity='0.4'%3E%3Crect x='14' y='160' width='6' height='8'/%3E%3Crect x='30' y='160' width='6' height='8'/%3E%3Crect x='84' y='115' width='6' height='8'/%3E%3Crect x='84' y='140' width='6' height='8'/%3E%3Crect x='198' y='90' width='6' height='8'/%3E%3Crect x='198' y='120' width='6' height='8'/%3E%3Crect x='316' y='70' width='6' height='8'/%3E%3Crect x='316' y='100' width='6' height='8'/%3E%3Crect x='422' y='130' width='6' height='8'/%3E%3Crect x='422' y='160' width='6' height='8'/%3E%3Crect x='540' y='100' width='6' height='8'/%3E%3Crect x='540' y='130' width='6' height='8'/%3E%3Crect x='650' y='60' width='6' height='8'/%3E%3Crect x='650' y='90' width='6' height='8'/%3E%3Crect x='756' y='125' width='6' height='8'/%3E%3Crect x='756' y='155' width='6' height='8'/%3E%3Crect x='870' y='140' width='6' height='8'/%3E%3C/g%3E%3C/svg%3E");
  background-repeat: repeat-x; background-position: bottom center; background-size: 900px 320px;
  mask-image: linear-gradient(180deg, transparent 0%, rgba(0,0,0,0.9) 45%, rgba(0,0,0,0.9) 100%);
  -webkit-mask-image: linear-gradient(180deg, transparent 0%, rgba(0,0,0,0.9) 45%, rgba(0,0,0,0.9) 100%);
}
.bg-mesh {
  position: absolute; inset: 0; pointer-events: none; z-index: 0; opacity: 0.7;
  background:
    radial-gradient(600px circle at 12% 8%, rgba(15,174,185,0.09), transparent 55%),
    radial-gradient(500px circle at 88% 82%, rgba(15,174,185,0.07), transparent 55%),
    linear-gradient(180deg, var(--bg-raised) 0%, var(--bg) 100%);
}
.areas-section .wrap, .why-section .wrap { position: relative; z-index: 1; }

/* Reusable faint photo texture for section backgrounds — real-estate/
   deal-closing photos masked down to a soft corner accent so they read as
   texture, not a competing image. Set background-image inline per usage. */
.bg-photo-texture {
  position: absolute; inset: 0; z-index: 0; pointer-events: none;
  background-size: cover; background-position: center;
  opacity: 0.1; filter: grayscale(0.35);
  mask-image: linear-gradient(120deg, rgba(0,0,0,0.95) 0%, transparent 55%);
  -webkit-mask-image: linear-gradient(120deg, rgba(0,0,0,0.95) 0%, transparent 55%);
}

/* ==========================================================================
   Highlight card — a light gold-tinted gradient card variant (instead of
   plain white) so a few key spots don't read as flat: rich radial glow
   blob, a pinging ring around the icon badge, a 180° icon flip, and
   gradient-text title. Layered on top of an existing card class (e.g.
   .why-card, .credential, .process-card), which still supplies layout/
   spacing — this only reskins color + adds the extra motion. No dark
   background anywhere — same light theme as the rest of the site.
   ========================================================================== */
.highlight-card {
  background: linear-gradient(160deg, #f8feff 0%, #dcf5f7 55%, #ffffff 100%) !important;
  border-color: rgba(15,174,185,0.3) !important;
}
.highlight-card::before { background: radial-gradient(180px circle at 50% -10%, rgba(15,174,185,0.18), transparent 70%) !important; }
.highlight-card:hover { border-color: rgba(15,174,185,0.5) !important; box-shadow: 0 30px 60px rgba(10,55,62,0.14), 0 0 44px rgba(15,174,185,0.2) !important; }
.highlight-card h3 {
  background: linear-gradient(90deg, var(--ink), var(--silver-deep) 50%, var(--ink));
  -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; color: transparent;
}
.highlight-card p, .highlight-card .officer-bio, .highlight-card .credential p { color: var(--ink-muted) !important; }
.highlight-card::after {
  content: ''; position: absolute; z-index: 0; pointer-events: none;
  bottom: -60px; left: -60px; width: 190px; height: 190px; border-radius: 50%;
  background: radial-gradient(circle, rgba(15,174,185,0.35), transparent 72%);
  filter: blur(18px); opacity: 0.55;
  transition: opacity 0.5s ease, transform 0.6s ease;
}
.highlight-card:hover::after { opacity: 0.95; transform: scale(1.2); }
.highlight-card .why-num, .highlight-card .credential .num, .highlight-card .cred-icon, .highlight-card .process-num {
  background: rgba(15,174,185,0.14) !important; color: var(--silver-deep) !important;
  border-color: rgba(15,174,185,0.35) !important; position: relative;
}
/* .process-num is plain faded text by default (no badge) — give it the
   same circular-badge treatment as .why-num when it's inside a highlight
   card, so the ping ring and flip have something badge-shaped to ring. */
.highlight-card .process-num {
  width: 38px; height: 38px; border-radius: 50%; opacity: 1; margin: 0 0 14px;
  border: 1px solid transparent; font-size: 13px;
  display: flex; align-items: center; justify-content: center;
  transition: transform 0.35s cubic-bezier(.34,1.56,.64,1), box-shadow 0.3s ease;
}
.highlight-card .why-num::before, .highlight-card .why-num::after,
.highlight-card .process-num::before, .highlight-card .process-num::after {
  content: ''; position: absolute; inset: -8px; border-radius: 50%;
  border: 1px solid rgba(15,174,185,0.4); opacity: 0; pointer-events: none;
}
.highlight-card:hover .why-num::before, .highlight-card:hover .process-num::before { animation: highlight-ping 1.6s ease-out infinite; }
.highlight-card:hover .why-num::after, .highlight-card:hover .process-num::after { animation: highlight-ping 1.6s ease-out infinite 0.55s; }
@keyframes highlight-ping { 0% { opacity: 0.7; transform: scale(0.85); } 100% { opacity: 0; transform: scale(1.7); } }
.highlight-card:hover .why-num, .highlight-card:hover .process-num { transform: scale(1.1) rotate(180deg) !important; }
@media (prefers-reduced-motion: reduce) { .highlight-card:hover .why-num::before, .highlight-card:hover .why-num::after { animation: none; } }

/* Refinance's "Our Process" cards use the highlight-card light-gradient +
   gradient-text look, but without any of the glow — no corner blob, no
   glow-spread on hover, no pinging ring behind the number badge. */
.process-card.highlight-card::after { display: none; }
.process-card.highlight-card:hover { box-shadow: 0 30px 60px rgba(10,55,62,0.14) !important; }
.process-card.highlight-card:hover .process-num::before,
.process-card.highlight-card:hover .process-num::after { display: none; }

/* ==========================================================================
   Stat strip
   ========================================================================== */
.stat-strip {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px;
  background: var(--border); border: 1px solid var(--border);
  border-radius: var(--radius-lg); overflow: hidden; margin-bottom: 56px;
}
.stat-cell { background: var(--bg-card); padding: 30px 20px; text-align: center; }
.stat-cell b { display: block; font-family: var(--font-head); font-size: clamp(28px, 3vw, 36px); font-weight: 700; color: var(--silver-light); }
.stat-cell span { font-size: 12px; color: var(--ink-faint); letter-spacing: 0.01em; }

@media (max-width: 900px) { .stat-strip { grid-template-columns: repeat(2, 1fr); } }

/* ==========================================================================
   Glow-border cards — "gradient bold card" treatment used sitewide on the
   big card grids (Why Choose Us, Services, Mortgage Basics, Loan Programs,
   Areas, Credentials, Team/Officer directory, Reviews). A conic gradient
   ring spins behind each card and is masked down to a 1.5px border; it
   only becomes visible (and only spins) on hover.
   ========================================================================== */
@property --glow-angle {
  syntax: '<angle>';
  initial-value: 0deg;
  inherits: false;
}
.glow-card { position: relative; isolation: isolate; }
.glow-card::before {
  content: '';
  position: absolute; inset: -1.5px; z-index: -1;
  border-radius: inherit; padding: 1.5px;
  background: conic-gradient(from var(--glow-angle),
    transparent 0%, var(--silver-deep) 8%, var(--silver-light) 16%, transparent 26%,
    transparent 74%, var(--silver-light) 84%, var(--silver-deep) 92%, transparent 100%);
  -webkit-mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
  -webkit-mask-composite: xor;
  mask-composite: exclude;
  opacity: 0;
  transition: opacity 0.4s ease;
  /* Always spinning (even while invisible) so opacity fading in on hover
     never snaps the ring to a fresh 0deg start — that restart was the
     "glitch right before the transparency" the animation used to have. */
  animation: glow-spin 2.6s linear infinite;
}
.glow-card:hover::before { opacity: 1; }
@keyframes glow-spin { to { --glow-angle: 360deg; } }
.glow-card:hover { box-shadow: 0 26px 52px rgba(15,174,185,0.16); }
@media (prefers-reduced-motion: reduce) { .glow-card::before { animation: none; } .glow-card:hover::before { opacity: 0.7; } }

/* ==========================================================================
   Loan Programs
   ========================================================================== */
.programs-section { overflow: hidden; color: var(--ink-soft); }
.programs-section .wrap { position: relative; z-index: 1; }
.bg-keys {
  position: absolute; inset: 0; z-index: 0; pointer-events: none;
  background-image: url("assets/downtown-night.jpg");
  background-repeat: no-repeat; background-position: center; background-size: cover;
  opacity: 0.16; filter: grayscale(0.5);
}
.section-photo-overlay { position: absolute; inset: 0; z-index: 0; pointer-events: none; background: linear-gradient(180deg, rgba(247,251,251,0.88) 0%, rgba(247,251,251,0.96) 100%); }

.programs-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.programs-grid.cols-4 { grid-template-columns: repeat(4, 1fr); }
.programs-grid.cols-2 { grid-template-columns: repeat(2, 1fr); }
.program-card {
  position: relative; overflow: hidden;
  background: var(--bg-glass-strong);
  backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 30px 26px;
  box-shadow: 0 4px 18px rgba(10,55,62,0.05);
  transition: border-color 0.3s ease, transform 0.4s cubic-bezier(.34,1.56,.64,1), box-shadow 0.35s ease, background 0.25s ease;
}
.program-card::before {
  content: ''; position: absolute; inset: 0; z-index: 1; pointer-events: none;
  background-image: linear-gradient(115deg, transparent 42%, rgba(15,174,185,0.16) 50%, transparent 58%);
  background-repeat: no-repeat; background-size: 220% 220%; background-position: -60% -60%;
  opacity: 0; transition: opacity 0.3s ease;
}
.program-card:hover::before { opacity: 1; animation: program-shine 1.1s ease-out; }
@keyframes program-shine { 0% { background-position: -60% -60%; } 100% { background-position: 160% 160%; } }
.program-card > * { position: relative; z-index: 2; }
.program-card:hover { border-color: rgba(15,174,185,0.4); transform: translateY(-8px) scale(1.015); box-shadow: 0 26px 52px rgba(15,174,185,0.18); }
.program-icon {
  width: 42px; height: 42px; border-radius: 10px;
  background: linear-gradient(135deg, rgba(15,174,185,0.18), rgba(15,174,185,0.06));
  display: flex; align-items: center; justify-content: center;
  color: var(--silver-deep); margin-bottom: 20px;
  animation: program-icon-float 4s ease-in-out infinite;
  will-change: transform;
  transition: transform 0.4s cubic-bezier(.34,1.56,.64,1), box-shadow 0.3s ease, background 0.35s ease, color 0.35s ease;
}
@keyframes program-icon-float { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-4px); } }
/* Invert on hover: light tint -> solid gold fill, icon flips to white. Ring
   uses a touch of blur (not a hard 0-blur spread) — a hard ring combined
   with border-radius + rotate() is what caused the little dark fleck at
   the rounded corner mid-animation. */
.program-card:hover .program-icon { transform: scale(1.15) rotate(-8deg); box-shadow: 0 0 10px 6px rgba(15,174,185,0.14); animation-play-state: paused; background: var(--silver-gradient); color: var(--on-silver); }
.program-logo { height: 52px; margin-bottom: 20px; display: flex; align-items: center; }
.program-logo img { height: 100%; width: auto; max-width: 180px; object-fit: contain; }
.program-card h3 { font-size: 17px; margin-bottom: 10px; }
.program-card p { font-size: 14px; color: var(--ink-muted); line-height: 1.65; }
@media (prefers-reduced-motion: reduce) { .program-icon { animation: none; } .program-card:hover::before { animation: none; } }

@media (max-width: 900px) { .programs-grid, .programs-grid.cols-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .programs-grid, .programs-grid.cols-4 { grid-template-columns: 1fr; } }

/* ==========================================================================
   Areas Served
   ========================================================================== */
.areas-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.area-card {
  position: relative; overflow: hidden;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  transition: transform 0.3s cubic-bezier(.2,.8,.2,1), border-color 0.3s ease, box-shadow 0.3s ease;
}
.area-card:hover { transform: translateY(-6px); border-color: rgba(15,174,185,0.4); box-shadow: 0 22px 46px var(--shadow); }
.area-card-image { position: relative; aspect-ratio: 16 / 10; overflow: hidden; }
.area-card-image img {
  width: 100%; height: 100%; object-fit: cover; display: block;
  filter: grayscale(0.25) contrast(1.05);
  transition: transform 0.6s cubic-bezier(.2,.8,.2,1), filter 0.4s ease;
}
.area-card:hover .area-card-image img { transform: scale(1.08); filter: grayscale(0) contrast(1.05); }
.area-card-image::after {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(15,16,18,0) 38%, var(--bg-card) 96%);
}
.area-card-body { position: relative; padding: 24px 26px 30px; }
.area-card .area-tag {
  display: inline-flex; font-family: var(--font-head); font-size: 10.5px; font-weight: 700;
  letter-spacing: 0.1em; text-transform: uppercase; color: var(--silver-light);
  background: rgba(15,174,185,0.1); border: 1px solid rgba(15,174,185,0.24);
  border-radius: 999px; padding: 5px 12px; margin-bottom: 16px;
}
.area-card h3 { font-size: 21px; margin-bottom: 10px; }
.area-card p { font-size: 14px; color: var(--ink-muted); line-height: 1.65; }

@media (max-width: 900px) { .areas-grid { grid-template-columns: 1fr; } }

/* legacy compact area cells (used in footer-style listings) */
.areas-grid.compact { grid-template-columns: repeat(5, 1fr); gap: 1px; background: var(--border); border: 1px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; }
.areas-grid.compact .area-cell { background: var(--bg-raised); padding: 28px 18px; text-align: center; transition: background 0.25s ease, box-shadow 0.25s ease; position: relative; z-index: 0; }
.areas-grid.compact .area-cell:hover { background: var(--bg-card); box-shadow: inset 0 0 0 1px rgba(15,174,185,0.3), 0 12px 30px rgba(15,174,185,0.08); z-index: 1; }
.areas-grid.compact .area-cell b { display: block; font-family: var(--font-head); font-size: 15px; color: var(--ink); font-weight: 600; }
.areas-grid.compact .area-cell span { font-size: 12px; color: var(--ink-faint); }
@media (max-width: 900px) { .areas-grid.compact { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 600px) { .areas-grid.compact { grid-template-columns: repeat(2, 1fr); } }

/* ==========================================================================
   Calculators hub — 3 animated selector cards
   ========================================================================== */
.calc-select-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.calc-select-card {
  position: relative; overflow: hidden; display: block;
  background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 36px 30px 30px; text-decoration: none; color: inherit;
  transition: transform 0.35s cubic-bezier(.2,.8,.2,1), border-color 0.3s ease, box-shadow 0.3s ease;
}
.calc-select-card::after {
  content: ''; position: absolute; inset: 0; z-index: 0; pointer-events: none; opacity: 0;
  background: radial-gradient(220px circle at 50% 0%, rgba(15,174,185,0.14), transparent 70%);
  transition: opacity 0.4s ease;
}
.calc-select-card:hover { transform: translateY(-8px); box-shadow: 0 30px 60px rgba(15,174,185,0.16); }
.calc-select-card:hover::after { opacity: 1; }
.calc-select-card > * { position: relative; z-index: 1; }
.calc-select-icon {
  width: 60px; height: 60px; border-radius: 16px; margin-bottom: 22px;
  display: flex; align-items: center; justify-content: center; color: var(--silver-deep);
  background: linear-gradient(135deg, rgba(15,174,185,0.16), rgba(15,174,185,0.05));
  animation: calc-icon-float 3.6s ease-in-out infinite;
  will-change: transform;
  transition: transform 0.4s cubic-bezier(.34,1.56,.64,1), box-shadow 0.4s ease, background 0.35s ease, color 0.35s ease;
}
@keyframes calc-icon-float { 0%, 100% { transform: translateY(0) rotate(0deg); } 50% { transform: translateY(-6px) rotate(-4deg); } }
/* Invert on hover: light tint -> solid gold fill, icon flips to white. */
.calc-select-card:hover .calc-select-icon { transform: scale(1.12) rotate(6deg); box-shadow: 0 0 10px 6px rgba(15,174,185,0.12); animation-play-state: paused; background: var(--silver-gradient); color: var(--on-silver); }
.calc-select-card h3 { font-size: 18px; margin-bottom: 10px; }
.calc-select-card p { font-size: 14px; color: var(--ink-muted); line-height: 1.65; min-height: 44px; }
.calc-select-cta {
  display: inline-flex; align-items: center; gap: 7px; margin-top: 18px;
  font-family: var(--font-head); font-size: 13px; font-weight: 700; color: var(--silver-deep);
}
.calc-select-cta svg { transition: transform 0.3s cubic-bezier(.2,.8,.2,1); }
.calc-select-card:hover .calc-select-cta svg { transform: translateX(5px); }
@media (max-width: 900px) { .calc-select-grid { grid-template-columns: 1fr; } }
@media (prefers-reduced-motion: reduce) { .calc-select-icon { animation: none; } }

/* ==========================================================================
   Calculator
   ========================================================================== */
.calc-panel { display: grid; grid-template-columns: 1fr 1fr; gap: 0; background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; }
.calc-form { padding: 44px; }
.calc-result { padding: 44px; background: var(--bg-raised); border-left: 1px solid var(--border); display: flex; flex-direction: column; justify-content: center; }
.field { margin-bottom: 20px; }
.field label { display: block; font-size: 12.5px; color: var(--ink-faint); letter-spacing: 0.03em; margin-bottom: 8px; text-transform: uppercase; font-weight: 500; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field input, .field select, .field textarea {
  width: 100%; background: var(--input-bg); border: 1px solid var(--border-strong); border-radius: var(--radius);
  color: var(--ink); font-size: 15px; font-family: var(--font-body); padding: 13px 14px; outline: none;
  transition: border-color 0.2s ease;
}
.field textarea { resize: vertical; min-height: 90px; font-family: var(--font-body); }
/* 16px minimum on mobile — anything smaller triggers iOS/Android's
   auto-zoom-on-focus behavior. */
@media (max-width: 640px) { .field input, .field select, .field textarea { font-size: 16px; } }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--silver); }

.result-label { font-size: 12.5px; color: var(--ink-faint); text-transform: uppercase; letter-spacing: 0.05em; }
.result-amount { font-family: var(--font-head); font-size: 46px; font-weight: 600; color: var(--ink); margin: 10px 0 4px; }
.result-amount span { color: var(--silver-light); }
.result-sub { font-size: 13px; color: var(--ink-faint); margin-bottom: 28px; }
.result-breakdown { display: grid; gap: 12px; }
.result-row { display: flex; justify-content: space-between; font-size: 13.5px; color: var(--ink-muted); padding-bottom: 12px; border-bottom: 1px solid var(--border); }
.result-row b { color: var(--ink-soft); font-weight: 500; }

@media (max-width: 900px) {
  .calc-panel { grid-template-columns: 1fr; }
  .calc-result { border-left: none; border-top: 1px solid var(--border); }
  .field-row { grid-template-columns: 1fr; }
}

/* ==========================================================================
   Why Choose Jean
   ========================================================================== */
.why-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.why-card {
  position: relative;
  overflow: hidden;
  text-align: center;
  padding: 36px 26px 32px;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  transition: transform 0.3s cubic-bezier(.2,.8,.2,1), border-color 0.3s ease, box-shadow 0.3s ease;
}
.why-card::before {
  content: '';
  position: absolute; inset: 0; z-index: 0; pointer-events: none;
  background: radial-gradient(180px circle at 50% -10%, rgba(15,174,185,0.16), transparent 70%);
  opacity: 0;
  transition: opacity 0.35s ease;
}
.why-card:hover { transform: translateY(-6px); border-color: rgba(15,174,185,0.4); box-shadow: 0 20px 44px var(--shadow); }
.why-card:hover::before { opacity: 1; }
.why-card > * { position: relative; z-index: 1; }
.why-num {
  font-family: var(--font-head); font-size: 13px; font-weight: 600; color: var(--silver-deep);
  background: rgba(15,174,185,0.1); width: 38px; height: 38px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center; margin: 0 auto 22px;
  will-change: transform;
  transition: transform 0.35s cubic-bezier(.34,1.56,.64,1), box-shadow 0.3s ease, background 0.3s ease, color 0.3s ease;
}
/* Invert on hover: light tint -> solid gold fill, icon flips to white. */
.why-card:hover .why-num { transform: scale(1.15) rotate(-10deg); box-shadow: 0 0 10px 5px rgba(15,174,185,0.15); background: var(--silver-gradient); color: var(--on-silver); }
.why-card h3 { font-size: 17px; margin-bottom: 10px; text-align: center; }
.why-card p { font-size: 14px; color: var(--ink-muted); line-height: 1.65; text-align: center; }

@media (max-width: 900px) { .why-grid { grid-template-columns: repeat(2, 1fr); gap: 32px 20px; } }
@media (max-width: 560px) { .why-grid { grid-template-columns: 1fr; } }

/* ==========================================================================
   Reviews
   ========================================================================== */
.reviews-section { background: var(--bg-alt); transition: background 0.35s ease; }
/* overflow-x hidden (horizontal marquee mask) but generous vertical padding
   so a hovered card's lift (-5px) and larger box-shadow never get clipped
   by the viewport edge — the old tight-fit viewport cut cards off top/bottom
   on hover. */
.reviews-viewport {
  overflow-x: hidden; overflow-y: visible; padding: 20px 0 34px;
  mask-image: linear-gradient(90deg, transparent, #000 5%, #000 95%, transparent);
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 5%, #000 95%, transparent);
}
.reviews-track { display: flex; gap: 20px; width: max-content; animation: reviews-marquee 46s linear infinite; }
.reviews-viewport:hover .reviews-track, .reviews-track.paused { animation-play-state: paused; }
@keyframes reviews-marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }
@media (prefers-reduced-motion: reduce) { .reviews-track { animation: none; flex-wrap: wrap; width: 100%; } }
.review-card {
  position: relative; overflow: hidden;
  background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 30px 28px; display: flex; flex-direction: column; flex: 0 0 380px; width: 380px;
  box-shadow: 0 18px 40px var(--shadow);
  transition: transform 0.3s cubic-bezier(.2,.8,.2,1), box-shadow 0.3s ease, border-color 0.3s ease;
}
.review-card::after {
  content: '\201D'; position: absolute; top: -18px; right: 14px; z-index: 0;
  font-family: Georgia, serif; font-size: 128px; line-height: 1; color: var(--quote-mark);
  pointer-events: none;
}
.review-card:hover { transform: translateY(-7px) scale(1.015); border-color: rgba(15,174,185,0.4); box-shadow: 0 28px 56px var(--shadow), 0 0 36px rgba(15,174,185,0.12); }
.review-card > * { position: relative; z-index: 1; }

@media (max-width: 900px) { .review-card { flex-basis: 300px; width: 300px; } }
.review-top { display: flex; align-items: center; gap: 12px; margin-bottom: 18px; }
.review-avatar {
  width: 44px; height: 44px; border-radius: 50%; flex: none;
  background: var(--silver-gradient); color: var(--on-silver);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head); font-weight: 700; font-size: 15px;
}
.review-stars { color: var(--silver); font-size: 13px; letter-spacing: 0.14em; }
.review-card p.quote { font-style: italic; font-size: 15.5px; color: var(--ink-soft); line-height: 1.75; flex-grow: 1; }
.review-divider { width: 30px; height: 1px; background: var(--silver); opacity: 0.5; margin: 24px 0 14px; }
.review-who { display: flex; flex-direction: column; gap: 3px; }
.review-who b { font-size: 14px; color: var(--ink); font-weight: 600; }

/* Google reviews summary line + "leave a review" CTA — sits above/below the
   review-card marquee on both the homepage and the dedicated reviews page. */
.reviews-google-summary {
  display: flex; align-items: center; justify-content: center; gap: 10px;
  flex-wrap: wrap; margin: 0 auto 6px; font-size: 14px; color: var(--ink-soft);
}
.reviews-google-summary .g-stars { color: var(--silver); font-size: 15px; letter-spacing: 0.1em; }
.reviews-google-summary b { color: var(--ink); font-weight: 700; }
.reviews-google-summary a { color: var(--silver-deep); font-weight: 600; text-decoration: underline; text-underline-offset: 2px; }
.reviews-google-summary a:hover { color: var(--silver); }
.review-google-cta {
  text-align: center; margin-top: 28px; padding-top: 28px; border-top: 1px solid var(--border);
}
.review-google-cta p { font-size: 14.5px; color: var(--ink-muted); margin-bottom: 16px; }
.review-google-cta .btn svg { flex: none; }
.review-who span { font-size: 12.5px; color: var(--ink-faint); }

/* ==========================================================================
   Homepage final CTA — left copy, right map
   ========================================================================== */
.contact-cta-wrap { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; text-align: left; }
.contact-cta-copy .hero-actions { justify-content: flex-start; margin-top: 28px; }
.contact-cta-copy p { margin: 16px 0 0; color: var(--ink-muted); font-size: 15.5px; line-height: 1.75; max-width: 440px; }
.contact-cta-copy h2 { margin-top: 14px; font-size: clamp(26px, 3.2vw, 36px); }
.contact-cta-address {
  display: flex; align-items: center; gap: 10px; margin-top: 28px; padding-top: 24px;
  border-top: 1px solid var(--border); color: var(--ink-muted); font-size: 13.5px;
}
.contact-cta-address svg { flex: none; color: var(--silver); }
.contact-cta-map {
  border-radius: var(--radius-lg); overflow: hidden; border: 1px solid var(--border);
  box-shadow: 0 24px 50px var(--shadow); aspect-ratio: 4/3; min-height: 320px;
}
@media (max-width: 900px) {
  .contact-cta-wrap { grid-template-columns: 1fr; text-align: center; }
  .contact-cta-copy .hero-actions, .contact-cta-address { justify-content: center; }
  .contact-cta-copy p { margin-left: auto; margin-right: auto; }
  .contact-cta-map { aspect-ratio: 16/9; }
}

/* ==========================================================================
   Hot Leads / Homeowner CTA panel
   ========================================================================== */
.leads-panel {
  position: relative; overflow: hidden;
  background: linear-gradient(135deg, var(--bg-card), var(--bg-raised));
  border: 1px solid var(--border-strong);
  border-radius: var(--radius-lg); padding: 64px 56px; text-align: center;
  max-width: 840px; margin: 0 auto;
}
.leads-panel .eyebrow { position: relative; z-index: 1; }
.leads-panel h2 { position: relative; z-index: 1; margin-top: 16px; font-size: clamp(28px, 3.6vw, 42px); line-height: 1.15; max-width: 640px; margin-left: auto; margin-right: auto; }
.leads-panel p { position: relative; z-index: 1; color: var(--ink-muted); margin-top: 18px; font-size: 16px; line-height: 1.75; max-width: 560px; margin-left: auto; margin-right: auto; }
.leads-pills { position: relative; z-index: 1; display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; margin-top: 30px; }
.leads-pill {
  display: flex; align-items: center; gap: 8px;
  background: rgba(15,174,185,0.07); border: 1px solid rgba(15,174,185,0.24);
  border-radius: 999px; padding: 9px 16px 9px 12px; font-size: 13px; font-weight: 500; color: var(--ink-soft);
}
.leads-pill svg { color: var(--silver-light); flex-shrink: 0; }
.leads-panel .btn { position: relative; z-index: 1; margin-top: 34px; }

@media (max-width: 700px) { .leads-panel { padding: 44px 26px; } }

/* ==========================================================================
   HELOC feature card — full-bleed photo banner, slow Ken Burns zoom,
   dark scrim, white text. Same photo-card treatment as the hero.
   ========================================================================== */
.heloc-card {
  position: relative; overflow: hidden; isolation: isolate;
  border-radius: var(--radius-lg); border: 1px solid var(--border-strong);
  min-height: 420px; display: flex; align-items: center; justify-content: center;
  text-align: center;
  box-shadow: 0 30px 60px var(--shadow);
  transition: transform 0.4s cubic-bezier(.22,.61,.36,1), box-shadow 0.4s ease;
}
.heloc-card:hover { transform: translateY(-4px); box-shadow: 0 40px 76px var(--shadow); }
.heloc-card-bg {
  position: absolute; inset: 0; z-index: 0;
  background-color: #101315;
  background-image: url("assets/sf-luxury-3.jpg");
  background-repeat: no-repeat; background-position: center; background-size: cover;
  filter: blur(3px);
}
.heloc-card-scrim {
  position: absolute; inset: 0; z-index: 1;
  background:
    linear-gradient(0deg, rgba(8,10,12,0.72) 0%, rgba(8,10,12,0.46) 45%, rgba(8,10,12,0.26) 100%),
    rgba(8,10,12,0.14);
}
.heloc-card-content { position: relative; z-index: 2; padding: 56px 48px; max-width: 620px; margin: 0 auto; color: #fff; }
.heloc-card-content .eyebrow { background: rgba(255,255,255,0.14); border-color: rgba(255,255,255,0.32); color: #fff; }
.heloc-card-content h2 { margin-top: 16px; font-size: clamp(28px, 3.4vw, 40px); line-height: 1.15; color: #fff; }
.heloc-card-content p { margin-top: 16px; font-size: 16px; line-height: 1.75; color: rgba(255,255,255,0.82); }
.heloc-card-content .hero-actions { justify-content: center; margin-top: 30px; }
@media (max-width: 700px) {
  .heloc-card { min-height: 380px; }
  .heloc-card-content { padding: 40px 28px; max-width: 100%; width: 100%; }
}

/* ==========================================================================
   Referral
   ========================================================================== */
.referral-panel {
  position: relative;
  overflow: hidden;
  background: linear-gradient(160deg, var(--bg-card), var(--bg-raised));
  border: 1px solid var(--border-strong);
  border-radius: var(--radius-lg);
  padding: 52px 48px 48px;
}
.referral-panel::before {
  content: '';
  position: absolute; top: -140px; right: -110px; z-index: 0;
  width: 340px; height: 340px; border-radius: 50%; pointer-events: none;
  background: radial-gradient(circle, rgba(15,174,185,0.14) 0%, rgba(0,0,0,0) 72%);
}
.referral-panel::after {
  content: '';
  position: absolute; bottom: -160px; left: -120px; z-index: 0;
  width: 320px; height: 320px; border-radius: 50%; pointer-events: none;
  background: radial-gradient(circle, rgba(15,174,185,0.08) 0%, rgba(0,0,0,0) 72%);
}
.referral-panel > * { position: relative; z-index: 1; }

.referral-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.referral-step { text-align: center; padding: 4px; }
.referral-step-icon {
  width: 54px; height: 54px; margin: 0 auto 20px; border-radius: 14px;
  background: rgba(15,174,185,0.1); border: 1px solid rgba(15,174,185,0.28);
  color: var(--silver-light);
  display: flex; align-items: center; justify-content: center;
  transition: transform 0.35s cubic-bezier(.34,1.56,.64,1), box-shadow 0.3s ease;
}
.referral-step:hover .referral-step-icon { transform: rotate(-8deg) scale(1.1); box-shadow: 0 0 0 7px rgba(15,174,185,0.08); }
.referral-step .step-num { font-family: var(--font-head); font-size: 11.5px; font-weight: 700; letter-spacing: 0.1em; color: var(--ink-faint); margin-bottom: 10px; }
.referral-step h3 { font-size: 16px; margin-bottom: 10px; color: var(--ink); }
.referral-step p { font-size: 14px; color: var(--ink-muted); max-width: 250px; margin: 0 auto; line-height: 1.6; }

@media (max-width: 700px) { .referral-grid { grid-template-columns: 1fr; gap: 36px; } }

.referral-divider { height: 1px; background: var(--border); margin: 44px 0 34px; }

.referral-cta {
  display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 24px;
  background: var(--silver-gradient);
  border-radius: 16px;
  padding: 30px 34px;
}
.referral-cta-left { display: flex; gap: 16px; align-items: flex-start; max-width: 480px; }
.referral-cta-icon {
  width: 44px; height: 44px; flex-shrink: 0; border-radius: 10px;
  background: rgba(0,0,0,0.12); border: 1px solid rgba(0,0,0,0.14);
  color: var(--on-silver); display: flex; align-items: center; justify-content: center;
}
.referral-cta-left strong { display: block; font-family: var(--font-head); font-size: 17px; font-weight: 700; color: var(--on-silver); margin-bottom: 8px; }
.referral-cta-left p { font-size: 14px; color: var(--on-silver); opacity: 0.78; line-height: 1.6; }
.referral-cta-buttons { display: flex; gap: 12px; flex-wrap: wrap; }
.referral-cta-buttons .btn-primary { background: var(--bg); color: var(--ink); box-shadow: none; }
.referral-cta-buttons .btn-primary:hover { transform: translateY(-1px); box-shadow: 0 10px 24px rgba(0,0,0,0.18); }
.referral-cta-buttons .btn-outline { color: var(--on-silver); border-color: rgba(0,0,0,0.22); background: rgba(0,0,0,0.06); }
.referral-cta-buttons .btn-outline:hover { border-color: rgba(0,0,0,0.34); background: rgba(0,0,0,0.1); }

@media (max-width: 700px) {
  .referral-panel { padding: 40px 26px; }
  .referral-cta { align-items: flex-start; }
  .referral-cta-buttons { width: 100%; }
  .referral-cta-buttons .btn { flex: 1; }
}
@media (max-width: 480px) { .referral-cta-buttons { flex-direction: column; } .referral-cta-buttons .btn { width: 100%; } }

/* ==========================================================================
   Contact
   ========================================================================== */
#contact .wrap { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 60px; align-items: start; }
.contact-info { display: grid; gap: 22px; align-content: start; margin-top: 32px; }
.contact-row { display: flex; gap: 16px; align-items: flex-start; }
.contact-icon { width: 40px; height: 40px; flex-shrink: 0; border-radius: 9px; background: var(--bg-card); border: 1px solid var(--border); display: flex; align-items: center; justify-content: center; color: var(--silver); }
.contact-row h4 { font-size: 14.5px; margin-bottom: 4px; }
.contact-row p, .contact-row a { font-size: 14px; color: var(--ink-muted); }
.contact-form { background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 36px; display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }

.contact-form.funnel-embed { display: flex; flex-direction: column; justify-content: center; align-items: center; text-align: center; grid-template-columns: none; }
.funnel-embed .eyebrow { white-space: nowrap; }
.funnel-embed h3 { margin-top: 16px; font-size: 23px; line-height: 1.3; color: var(--ink); }
.funnel-embed > p { margin-top: 10px; color: var(--ink-muted); font-size: 14px; line-height: 1.6; }
.funnel-embed .field { width: 100%; margin-top: 26px; margin-bottom: 0; }
.funnel-embed .field input, .funnel-embed .field select { text-align: left; }
.funnel-embed .btn { width: 100%; margin-top: 16px; }
.funnel-embed-note { margin-top: 16px; font-size: 12.5px; color: var(--ink-faint); text-align: center; }

@media (max-width: 480px) { .funnel-embed .eyebrow { font-size: 9.5px; letter-spacing: 0.05em; padding: 6px 12px; } }
@media (max-width: 900px) { #contact .wrap { grid-template-columns: 1fr; gap: 40px; } }
@media (max-width: 700px) { .contact-form { grid-template-columns: 1fr; } }

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer { border-top: 1px solid var(--border); padding: 64px 0 32px; background: var(--bg); }
.footer-top { display: grid; grid-template-columns: 1.3fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 44px; }
.footer-logo { display: inline-flex; align-items: center; gap: 10px; margin-bottom: 16px; }
.footer-logo img { height: 36px; width: auto; }
.footer-logo-word { font-family: var(--font-head); font-weight: 700; font-size: 14px; color: var(--ink); line-height: 1.2; }
.footer-logo-word span { display: block; font-size: 9px; font-weight: 500; letter-spacing: 0.14em; text-transform: uppercase; color: var(--silver); }
.footer-brand p { font-size: 13.5px; color: var(--ink-faint); max-width: 320px; line-height: 1.7; margin-bottom: 20px; }
.footer-social { display: flex; gap: 10px; }
.footer-social a {
  width: 36px; height: 36px; border-radius: 50%; box-shadow: 0 0 0 1px var(--border-strong);
  background: var(--bg-card); color: var(--ink-muted);
  display: flex; align-items: center; justify-content: center;
  will-change: transform;
  transition: transform 0.2s ease, color 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}
.footer-social a:hover { color: var(--on-silver); background: var(--silver-gradient); transform: translateY(-3px); box-shadow: 0 0 1px 1px var(--silver); }
.footer-social svg { width: 16px; height: 16px; }
.footer-col h4 { font-size: 12px; text-transform: uppercase; letter-spacing: 0.06em; color: var(--ink-faint); margin-bottom: 16px; }
.footer-col a, .footer-col p { display: block; font-size: 13.5px; color: var(--ink-muted); margin-bottom: 10px; line-height: 1.6; }
.footer-col a:hover { color: var(--ink); }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap; padding-top: 28px; border-top: 1px solid var(--border); font-size: 11.5px; color: var(--ink-faint); line-height: 1.7; }
.footer-bottom .legal { max-width: 700px; }

@media (max-width: 900px) { .footer-top { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-top { grid-template-columns: 1fr; gap: 32px; } }
@media (max-width: 700px) { .footer-bottom { flex-direction: column; } }

/* ==========================================================================
   Cookie banner — bottom-left consent card (same pattern as Centric)
   ========================================================================== */
.cookie-banner {
  position: fixed; left: 22px; bottom: 22px; z-index: 480; width: 360px; max-width: calc(100vw - 32px);
  background: var(--bg-card); border: 1px solid var(--border); border-radius: 18px;
  box-shadow: 0 20px 44px rgba(0,0,0,0.5); padding: 20px 22px;
  transform: translateY(16px); opacity: 0; pointer-events: none;
  transition: transform 0.35s ease, opacity 0.35s ease;
}
.cookie-banner.is-visible { transform: translateY(0); opacity: 1; pointer-events: auto; }
.cookie-banner h4 { font-size: 14px; margin-bottom: 8px; display: flex; align-items: center; gap: 8px; }
.cookie-banner h4::before { content: ''; width: 8px; height: 8px; border-radius: 50%; background: var(--silver-gradient); flex: none; }
.cookie-banner p { font-size: 12.5px; line-height: 1.6; color: var(--ink-faint); margin-bottom: 16px; }
.cookie-banner__actions { display: flex; gap: 10px; }
.cookie-banner__actions button { flex: 1; padding: 10px 14px; border-radius: 999px; font-size: 12.5px; font-weight: 600; font-family: var(--font-head); cursor: pointer; transition: transform 0.2s ease; }
.cookie-banner__actions button:hover { transform: translateY(-1px); }
#cookieAccept { background: var(--silver-gradient); color: var(--on-silver); border: none; }
#cookieDecline { background: none; color: var(--ink-muted); border: 1px solid var(--border-strong); }
@media (max-width: 560px) { .cookie-banner { left: 10px; right: 10px; bottom: 10px; width: auto; } }

/* ==========================================================================
   Reveal-on-scroll
   ========================================================================== */
.reveal.pre-reveal { opacity: 0; transform: translateY(18px); transition: opacity 0.7s ease, transform 0.7s ease; }
.reveal.pre-reveal.is-visible { opacity: 1; transform: translateY(0); }

.reveal.pre-reveal .program-card,
.reveal.pre-reveal .why-card,
.reveal.pre-reveal .credential,
.reveal.pre-reveal .referral-step,
.reveal.pre-reveal .area-card,
.reveal.pre-reveal .listing-card,
.reveal.pre-reveal .community-card,
.reveal.pre-reveal .team-card,
.reveal.pre-reveal .perk-card,
.reveal.pre-reveal .service-card,
.reveal.pre-reveal .areas-grid.compact .area-cell {
  opacity: 0; transform: translateY(16px);
  transition: opacity 0.55s ease, transform 0.55s ease;
}
.reveal.pre-reveal.is-visible .program-card,
.reveal.pre-reveal.is-visible .why-card,
.reveal.pre-reveal.is-visible .credential,
.reveal.pre-reveal.is-visible .referral-step,
.reveal.pre-reveal.is-visible .area-card,
.reveal.pre-reveal.is-visible .listing-card,
.reveal.pre-reveal.is-visible .community-card,
.reveal.pre-reveal.is-visible .team-card,
.reveal.pre-reveal.is-visible .perk-card,
.reveal.pre-reveal.is-visible .service-card,
.reveal.pre-reveal.is-visible .areas-grid.compact .area-cell {
  opacity: 1; transform: translateY(0);
}
.programs-grid > :nth-child(1), .why-grid > :nth-child(1), .about-credentials > :nth-child(1), .referral-grid > :nth-child(1), .areas-grid > :nth-child(1), .listings-grid > :nth-child(1), .community-grid > :nth-child(1), .team-grid > :nth-child(1), .perk-grid > :nth-child(1), .services-grid > :nth-child(1) { transition-delay: 0.05s; }
.programs-grid > :nth-child(2), .why-grid > :nth-child(2), .about-credentials > :nth-child(2), .referral-grid > :nth-child(2), .areas-grid > :nth-child(2), .listings-grid > :nth-child(2), .community-grid > :nth-child(2), .team-grid > :nth-child(2), .perk-grid > :nth-child(2), .services-grid > :nth-child(2) { transition-delay: 0.12s; }
.programs-grid > :nth-child(3), .why-grid > :nth-child(3), .about-credentials > :nth-child(3), .referral-grid > :nth-child(3), .areas-grid > :nth-child(3), .listings-grid > :nth-child(3), .community-grid > :nth-child(3), .team-grid > :nth-child(3), .perk-grid > :nth-child(3), .services-grid > :nth-child(3) { transition-delay: 0.19s; }
.programs-grid > :nth-child(4), .why-grid > :nth-child(4), .listings-grid > :nth-child(4), .community-grid > :nth-child(4), .team-grid > :nth-child(4), .perk-grid > :nth-child(4) { transition-delay: 0.26s; }
.programs-grid > :nth-child(5), .listings-grid > :nth-child(5), .community-grid > :nth-child(5), .team-grid > :nth-child(5), .perk-grid > :nth-child(5) { transition-delay: 0.33s; }
.programs-grid > :nth-child(6), .listings-grid > :nth-child(6), .community-grid > :nth-child(6), .team-grid > :nth-child(6), .perk-grid > :nth-child(6) { transition-delay: 0.4s; }
.community-grid > :nth-child(7) { transition-delay: 0.47s; }
.community-grid > :nth-child(8) { transition-delay: 0.54s; }

/* ==========================================================================
   AI Assistant Chat Widget
   ========================================================================== */
.cw { position: fixed; right: 22px; bottom: 22px; z-index: 500; font-family: var(--font-body); }
.cw-launcher { width: 58px; height: 58px; border-radius: 50%; background: var(--silver-gradient); cursor: pointer; display: flex; align-items: center; justify-content: center; box-shadow: 0 14px 32px rgba(0,0,0,0.45), 0 0 2px 1px var(--silver); will-change: transform; transition: transform 0.2s ease; }
.cw-launcher:hover { transform: scale(1.06); }
.cw-launcher-icon, .cw-launcher-avatar { color: var(--on-silver); }
.cw-launcher-avatar { font-family: var(--font-head); font-weight: 700; font-size: 15px; }
.cw-panel { position: absolute; right: 0; bottom: 74px; width: 360px; max-width: calc(100vw - 32px); max-height: min(560px, 70vh); background: var(--bg-card); border: 1px solid var(--border); border-radius: 20px; box-shadow: 0 14px 32px rgba(0,0,0,0.45); display: flex; flex-direction: column; overflow: hidden; opacity: 0; transform: translateY(12px) scale(0.98); pointer-events: none; transition: opacity 0.22s ease, transform 0.22s ease; }
.cw.open .cw-panel { opacity: 1; transform: translateY(0) scale(1); pointer-events: auto; }
.cw-head { display: flex; align-items: center; gap: 11px; padding: 16px 16px 14px; border-bottom: 1px solid var(--border); }
.cw-avatar { width: 36px; height: 36px; border-radius: 50%; flex: none; background: var(--silver-gradient); color: var(--on-silver); display: flex; align-items: center; justify-content: center; font-family: var(--font-head); font-weight: 600; font-size: 13px; }
.cw-head-text { flex: 1; min-width: 0; }
.cw-head-text strong { display: block; font-family: var(--font-head); font-size: 14.5px; font-weight: 600; color: var(--ink); }
.cw-status { display: flex; align-items: center; gap: 5px; font-size: 11.5px; color: var(--ink-muted); text-transform: uppercase; letter-spacing: 0.03em; }
.cw-dot { width: 6px; height: 6px; border-radius: 50%; background: #3fae6a; display: inline-block; }
.cw-close { background: none; border: none; color: var(--ink-muted); font-size: 20px; line-height: 1; cursor: pointer; padding: 4px; }
.cw-body { flex: 1; overflow-y: auto; padding: 14px 16px; display: flex; flex-direction: column; gap: 10px; min-height: 120px; }
.cw-msg { display: flex; }
.cw-msg-bot { justify-content: flex-start; }
.cw-msg-user { justify-content: flex-end; }
.cw-bubble { max-width: 84%; padding: 10px 13px; border-radius: 14px; font-size: 13.5px; line-height: 1.55; white-space: pre-line; }
.cw-msg-bot .cw-bubble { background: var(--bg-raised); color: var(--ink); border-bottom-left-radius: 4px; }
.cw-msg-user .cw-bubble { background: var(--silver-gradient); color: var(--on-silver); border-bottom-right-radius: 4px; }
.cw-typing { display: flex; gap: 4px; padding: 10px 13px; background: var(--bg-raised); border-radius: 14px; border-bottom-left-radius: 4px; width: fit-content; }
.cw-typing span { width: 6px; height: 6px; border-radius: 50%; background: var(--ink-muted); opacity: 0.5; animation: cwTyping 1s infinite ease-in-out; }
.cw-typing span:nth-child(2) { animation-delay: 0.15s; }
.cw-typing span:nth-child(3) { animation-delay: 0.3s; }
@keyframes cwTyping { 0%, 60%, 100% { opacity: 0.35; transform: translateY(0); } 30% { opacity: 1; transform: translateY(-3px); } }
.cw-chips { display: flex; flex-wrap: wrap; gap: 7px; padding: 0 16px 12px; }
.cw-chip { background: var(--bg-raised); border: 1px solid var(--border); color: var(--ink-soft); font-size: 12px; padding: 7px 11px; border-radius: 100px; cursor: pointer; transition: background 0.15s ease, color 0.15s ease; font-family: var(--font-body); }
.cw-chip:hover { background: var(--silver); color: var(--on-silver); border-color: var(--silver); }
.cw-inputrow { display: flex; gap: 8px; padding: 12px 16px; border-top: 1px solid var(--border); }
.cw-input { flex: 1; border: 1px solid var(--border); background: var(--input-bg); color: var(--ink); border-radius: 100px; padding: 10px 14px; font-size: 13.5px; font-family: var(--font-body); outline: none; }
/* 16px minimum on mobile — anything smaller triggers iOS/Android's
   auto-zoom-on-focus behavior. */
@media (max-width: 640px) { .cw-input { font-size: 16px; } }
.cw-input:focus { border-color: var(--silver); }
.cw-send { width: 38px; height: 38px; border-radius: 50%; border: none; flex: none; cursor: pointer; background: var(--silver-gradient); color: var(--on-silver); display: flex; align-items: center; justify-content: center; }
.cw-foot { padding: 11px 16px; border-top: 1px solid var(--border); text-align: center; }
.cw-foot a { display: inline-flex; align-items: center; gap: 6px; font-size: 12.5px; color: var(--ink-soft); }
@media (max-width: 560px) {
  .cw { right: 14px; bottom: 14px; }
  .cw-panel { position: fixed; right: 10px; left: 10px; bottom: 86px; width: auto; max-height: min(72vh, 560px); }
}

/* ==========================================================================
   Qualification Funnel
   ========================================================================== */
.funnel-body { position: relative; overflow-x: hidden; min-height: 100vh; background: var(--bg); color: var(--ink-soft); transition: background-color 0.35s ease, color 0.35s ease; }
.funnel-bg-glow { position: fixed; z-index: 0; border-radius: 50%; pointer-events: none; background: radial-gradient(circle, rgba(15,174,185,0.14) 0%, rgba(0,0,0,0) 70%); transition: opacity 0.4s ease; }
.funnel-bg-glow-1 { top: -220px; left: -180px; width: 520px; height: 520px; animation: funnel-drift-1 19s ease-in-out infinite; }
.funnel-bg-glow-2 { bottom: -240px; right: -200px; width: 580px; height: 580px; background: radial-gradient(circle, rgba(15,174,185,0.1) 0%, rgba(0,0,0,0) 70%); animation: funnel-drift-2 23s ease-in-out infinite; }
.funnel-bg-glow-3 { top: 45%; left: 50%; width: 380px; height: 380px; background: radial-gradient(circle, rgba(15,174,185,0.07) 0%, rgba(0,0,0,0) 70%); animation: funnel-drift-3 27s ease-in-out infinite; }
@keyframes funnel-drift-1 { 0%, 100% { transform: translate(0, 0); } 50% { transform: translate(70px, 50px); } }
@keyframes funnel-drift-2 { 0%, 100% { transform: translate(0, 0); } 50% { transform: translate(-60px, -40px); } }
@keyframes funnel-drift-3 { 0%, 100% { transform: translate(-50%, 0) scale(1); } 50% { transform: translate(-50%, -50px) scale(1.12); } }
@media (prefers-reduced-motion: reduce) { .funnel-bg-glow-1, .funnel-bg-glow-2, .funnel-bg-glow-3 { animation: none; } }

/* Animated dot-grid so the light background still feels alive. */
.funnel-grid {
  position: fixed; inset: 0; z-index: 0; pointer-events: none; opacity: 1;
  background-image: radial-gradient(rgba(13,36,41,0.09) 1px, transparent 1px);
  background-size: 28px 28px;
  animation: funnel-grid-drift 40s linear infinite;
}
@keyframes funnel-grid-drift { from { background-position: 0 0; } to { background-position: 140px 140px; } }
@media (prefers-reduced-motion: reduce) { .funnel-grid { animation: none; } }

/* Floating real-estate / money icons drifting behind every funnel — houses,
   keys, dollar signs, calculators. Each .funnel-float-icon gets a random-ish
   position/size/delay inline from the page; this just handles the drift. */
.funnel-floats { position: fixed; inset: 0; z-index: 0; pointer-events: none; overflow: hidden; }
.funnel-float-icon {
  position: absolute; color: var(--silver); opacity: 0.16;
  animation: funnel-float-drift 14s ease-in-out infinite;
}
@keyframes funnel-float-drift {
  0%, 100% { transform: translateY(0) rotate(0deg); }
  50% { transform: translateY(-26px) rotate(8deg); }
}
@media (prefers-reduced-motion: reduce) { .funnel-float-icon { animation: none; } }

.funnel-nav, .funnel-wrap { position: relative; z-index: 1; }
.funnel-nav { padding: 22px 0; border-bottom: 1px solid var(--border); }
.funnel-nav .wrap { display: flex; align-items: center; justify-content: space-between; }
.funnel-logo { display: inline-flex; align-items: center; gap: 9px; }
.funnel-logo img { height: 32px; width: auto; }
.funnel-logo span { font-family: var(--font-head); font-weight: 700; font-size: 13px; color: var(--ink); }
.funnel-nav-right { display: flex; align-items: center; gap: 12px; }
.funnel-nav-right .site-nav__lang { position: relative; }
.funnel-exit { font-size: 13px; color: var(--ink-muted); display: inline-flex; align-items: center; gap: 6px; transition: color 0.2s ease; }
.funnel-exit:hover { color: var(--ink); }
@media (max-width: 420px) {
  .funnel-nav-right { gap: 8px; }
  .funnel-nav-right .site-nav__icon-btn { height: 38px; min-width: 38px; padding: 0 10px; }
}

.funnel-wrap { max-width: 620px; margin: 0 auto; padding: 48px 24px 100px; }
.funnel-progress { width: 100%; height: 4px; border-radius: 999px; background: var(--border); overflow: hidden; margin-bottom: 14px; }
.funnel-progress-bar { height: 100%; width: 16.66%; background: var(--silver-gradient); transition: width 0.4s ease; }
.funnel-step-label { font-size: 12px; letter-spacing: 0.05em; text-transform: uppercase; color: var(--ink-faint); margin-bottom: 36px; text-align: center; }

.funnel-card { position: relative; min-height: 360px; }
.funnel-step { display: none; text-align: center; animation: funnel-step-in 0.45s ease; }
.funnel-step.is-active { display: block; }
@keyframes funnel-step-in { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: translateY(0); } }
@media (prefers-reduced-motion: reduce) { .funnel-step { animation: none; } }

.funnel-step .eyebrow {
  display: inline-flex; font-family: var(--font-head); font-size: 11.5px; font-weight: 600;
  letter-spacing: 0.12em; text-transform: uppercase; color: var(--silver-light);
  background: rgba(15,174,185,0.09); border: 1px solid rgba(15,174,185,0.26);
  border-radius: 999px; padding: 7px 16px; margin-bottom: 18px;
}
.funnel-step h2 { font-family: var(--font-head); font-weight: 600; color: var(--ink); font-size: clamp(22px, 3vw, 30px); line-height: 1.25; }
.funnel-sub { margin-top: 12px; color: var(--ink-muted); font-size: 15px; line-height: 1.6; }

.funnel-step .field { margin-top: 24px; }
.funnel-step .field label { display: block; font-size: 12.5px; color: var(--ink-faint); letter-spacing: 0.03em; margin-bottom: 8px; text-transform: uppercase; font-weight: 500; }
.funnel-step .field input {
  width: 100%; background: var(--input-bg); border: 1px solid var(--border-strong); border-radius: 6px; color: var(--ink);
  font-size: 16px; font-family: var(--font-body); padding: 15px 16px; outline: none; text-align: center;
  transition: border-color 0.2s ease;
}
.funnel-step .field input:focus { border-color: var(--silver); }
.funnel-step .btn { margin-top: 28px; }

.funnel-choices { display: grid; gap: 12px; margin-top: 28px; }
.funnel-choice {
  text-align: center; padding: 18px 20px; background: var(--bg-card); border: 1px solid var(--border); border-radius: 10px;
  color: var(--ink-soft); font-family: var(--font-body); font-size: 15.5px; font-weight: 500; cursor: pointer;
  transition: border-color 0.2s ease, background 0.2s ease, transform 0.15s ease;
}
.funnel-choice:hover { border-color: rgba(15,174,185,0.4); transform: translateX(2px); }
.funnel-choice.is-selected { border-color: var(--silver); background: rgba(15,174,185,0.1); color: var(--ink); }

.funnel-chips { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; margin-top: 24px; }
.funnel-chip {
  padding: 11px 18px; background: var(--bg-card); border: 1px solid var(--border); border-radius: 999px;
  color: var(--ink-soft); font-family: var(--font-body); font-size: 14px; font-weight: 500; cursor: pointer;
  transition: border-color 0.2s ease, background 0.2s ease, color 0.2s ease;
}
.funnel-chip:hover { border-color: rgba(15,174,185,0.4); }
.funnel-chip.is-selected { border-color: var(--silver); background: var(--silver-gradient); color: var(--on-silver); }

.funnel-back { display: inline-block; margin-top: 20px; background: none; border: none; color: var(--ink-faint); font-size: 13.5px; font-family: var(--font-body); cursor: pointer; transition: color 0.2s ease; }
.funnel-back:hover { color: var(--ink-soft); }

.funnel-step-final { text-align: center; }
.funnel-success { max-width: 480px; margin: 0 auto 32px; }
.funnel-success-icon { display: flex; align-items: center; justify-content: center; width: 52px; height: 52px; margin: 0 auto 18px; border-radius: 50%; background: var(--silver-gradient); color: var(--on-silver); }
.funnel-step-final .funnel-sub { max-width: 420px; margin-left: auto; margin-right: auto; }
.calendly-inline-widget { border-radius: 12px; overflow: hidden; background: var(--bg-raised); }
.funnel-note { margin-top: 20px; font-size: 13px; color: var(--ink-faint); }
.funnel-note a { color: var(--silver-light); }

@media (max-width: 560px) {
  .funnel-wrap { padding: 32px 18px 80px; }
  .funnel-choice { padding: 16px 18px; font-size: 15px; }
}

/* ==========================================================================
   Services (homepage) — matches old jdlendings.com's icon-circle row
   ========================================================================== */
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.service-card {
  position: relative; overflow: hidden;
  text-align: center; padding: 36px 26px; background: var(--bg-card);
  border: 1px solid var(--border); border-radius: var(--radius-lg);
  transition: border-color 0.3s ease, transform 0.4s cubic-bezier(.34,1.56,.64,1), box-shadow 0.35s ease;
}
.service-card::before {
  content: ''; position: absolute; inset: 0; z-index: 1; pointer-events: none;
  background-image: linear-gradient(115deg, transparent 42%, rgba(15,174,185,0.14) 50%, transparent 58%);
  background-repeat: no-repeat; background-size: 220% 220%; background-position: -60% -60%;
  opacity: 0; transition: opacity 0.3s ease;
}
.service-card:hover::before { opacity: 1; animation: program-shine 1.1s ease-out; }
.service-card > * { position: relative; z-index: 2; }
.service-card:hover { border-color: rgba(15,174,185,0.4); transform: translateY(-8px) scale(1.015); box-shadow: 0 26px 52px rgba(15,174,185,0.14); }
.service-icon {
  width: 72px; height: 72px; border-radius: 50%; margin: 0 auto 20px;
  background: var(--silver-gradient); color: var(--on-silver);
  display: flex; align-items: center; justify-content: center;
  animation: program-icon-float 4s ease-in-out infinite;
  transition: transform 0.4s cubic-bezier(.34,1.56,.64,1), box-shadow 0.3s ease;
}
.service-card:hover .service-icon { transform: scale(1.1) rotate(-6deg); box-shadow: 0 0 0 9px rgba(15,174,185,0.1); animation-play-state: paused; }
.service-icon svg { width: 30px; height: 30px; }
.service-card h3 { font-size: 17px; margin-bottom: 10px; }
.service-card p { font-size: 14px; color: var(--ink-muted); line-height: 1.65; margin-bottom: 18px; }
@media (prefers-reduced-motion: reduce) { .service-icon { animation: none; } .service-card:hover::before { animation: none; } }

@media (max-width: 900px) { .services-grid { grid-template-columns: 1fr; } }

/* ==========================================================================
   Team / Loan Officers grid + individual bio cards
   ========================================================================== */
.team-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.team-card {
  position: relative; overflow: hidden; background: var(--bg-card);
  border: 1px solid var(--border); border-radius: var(--radius-lg);
  transition: border-color 0.25s ease, transform 0.25s ease, box-shadow 0.25s ease;
}
.team-card:hover { border-color: rgba(15,174,185,0.4); transform: translateY(-6px); box-shadow: 0 24px 48px rgba(15,174,185,0.12); }
.team-card-photo { position: relative; aspect-ratio: 1/1; overflow: hidden; }
.team-card-photo img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 14%; display: block; transition: transform 0.4s ease; }
.team-card:hover .team-card-photo img { transform: scale(1.05); }
.team-card-body { padding: 20px 22px 24px; }
.team-card-body h3 { font-size: 17px; margin-bottom: 4px; }
.team-card-role { font-size: 12px; color: var(--silver-light); font-weight: 600; letter-spacing: 0.02em; margin-bottom: 10px; display: block; }
.team-card-nmls { font-size: 11.5px; color: var(--ink-faint); margin-bottom: 14px; }
.team-card-links { display: flex; gap: 8px; }
.team-card-links a, .team-card-links .primary {
  display: block; flex: 1; text-align: center; padding: 9px 10px; border-radius: 10px; font-size: 12px; font-weight: 600;
  border: 1px solid var(--border-strong); color: var(--ink-soft); transition: border-color 0.2s ease, background 0.2s ease, color 0.2s ease;
}
.team-card-links a.primary, .team-card-links .primary { background: var(--silver-gradient); color: var(--on-silver); border: none; padding: 10px 11px; }
.team-card-links a:hover { border-color: var(--silver); }
.team-card[href] { text-decoration: none; color: inherit; cursor: pointer; }

@media (max-width: 980px) { .team-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .team-grid { grid-template-columns: 1fr; max-width: 380px; margin: 0 auto; } }

/* Individual loan-officer bio page */
/* Exact same treatment as the homepage hero: a separate blurred photo
   layer + dark gradient scrim + white text (blur lives on its own layer
   so it never blurs the copy on top of it). Pill is deliberately simple —
   just role + NMLS, no name (the name is already in the back-link's page
   and the headline below). A small translucent NMLS badge floats in the
   bottom-left corner instead of repeating the number in the About meta
   row. No "founder" framing — every officer gets the exact same
   treatment. */
.officer-simple-hero { text-align: center; padding: 156px 0 92px; position: relative; overflow: hidden; color: #fff; }
.officer-simple-hero-bg {
  position: absolute; inset: 0; z-index: 0;
  background-color: #101315;
  background-image: url("/assets/sf-luxury-2.jpg");
  background-repeat: no-repeat; background-position: center 62%; background-size: cover;
  filter: blur(3px);
}
/* Alternate relatable-home hero photo for agents who share a page template
   with others (Milca, Renel) — keeps every agent from reusing the exact
   same background image. Same neutral translucent scrim either way. */
.officer-simple-hero-bg--alt {
  background-image: url("/assets/fl-home-relatable-buy.jpg");
  background-position: center 55%;
}
.officer-simple-hero-scrim {
  position: absolute; inset: 0; z-index: 0;
  background:
    linear-gradient(0deg, rgba(8,10,12,0.72) 0%, rgba(8,10,12,0.46) 45%, rgba(8,10,12,0.26) 100%),
    rgba(8,10,12,0.14);
}
.officer-simple-hero .bg-mesh { display: none; }
.officer-simple-hero .wrap { position: relative; z-index: 1; display: flex; flex-direction: column; align-items: center; }
.officer-simple-hero .page-header-back { color: rgba(255,255,255,0.7); margin-bottom: 8px; }
.officer-simple-hero .page-header-back:hover { color: var(--silver-light); }
.officer-simple-role {
  display: inline-flex; font-family: var(--font-head); font-size: 12.5px; font-weight: 700;
  color: #fff; letter-spacing: 0.04em; text-transform: uppercase;
  background: rgba(255,255,255,0.14); border: 1px solid rgba(255,255,255,0.3); border-radius: 999px; padding: 7px 16px;
}
.officer-simple-hero h1 { font-size: clamp(30px, 3.8vw, 44px); margin-top: 16px; color: #fff; }
.officer-simple-tagline { margin-top: 16px; max-width: 520px; color: rgba(255,255,255,0.82); font-size: 16px; line-height: 1.75; }
.officer-simple-hero .hero-actions { margin-top: 28px; justify-content: center; }

@media (max-width: 560px) { .officer-simple-hero { padding: 130px 0 64px; } }

/* NMLS badge — sits in the bottom-left corner of the About photo (not the
   hero), same dark-glass treatment as .about-visual-badge regardless of
   the photo's own colors. */
.officer-nmls-badge {
  position: absolute; right: 16px; bottom: 16px; z-index: 3;
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(15,16,18,0.55); border: 1px solid rgba(255,255,255,0.2);
  border-radius: 999px; padding: 9px 16px; backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px);
  font-size: 11.5px; font-weight: 600; letter-spacing: 0.03em; color: #fff;
  box-shadow: 0 14px 32px rgba(0,0,0,0.35);
}
.officer-nmls-badge svg { width: 14px; height: 14px; color: var(--silver-light); flex: none; }

/* Team-card NMLS badge — small glass pill in the bottom-right corner of
   each real agent's photo on team.html (distinct from the top-right
   WhatsApp/email overlay). Recruiting/placeholder cards don't get one. */
.team-card-nmls-badge {
  position: absolute; right: 10px; bottom: 10px; z-index: 3;
  background: rgba(15,16,18,0.6); border: 1px solid rgba(255,255,255,0.22);
  border-radius: 999px; padding: 6px 12px; backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px);
  font-size: 10.5px; font-weight: 700; letter-spacing: 0.02em; color: #fff;
  box-shadow: 0 8px 20px rgba(0,0,0,0.3);
}

/* Officer About photo — the glow-card ring runs continuously (not just on
   hover) so the outline is always visible and looping. */
.officer-about-wrap .about-visual.glow-card::before { opacity: 1; }

/* About — same two-column layout language as the homepage About / About Us
   page: photo one side, bio + credentials + socials on the other. */
.officer-about-wrap { display: grid; grid-template-columns: 0.8fr 1.2fr; gap: 56px; align-items: center; }
.officer-about-wrap .about-visual { margin: 0; }
@media (max-width: 900px) {
  .officer-about-wrap { grid-template-columns: 1fr; }
  .officer-about-wrap .about-visual { max-width: 380px; margin: 0 auto; }
  .officer-about-wrap .about-copy { text-align: center; }
  .officer-about-wrap .officer-meta { justify-content: center; }
  .officer-about-wrap .social-icons { justify-content: center; }
}
.officer-meta { display: flex; flex-wrap: wrap; gap: 22px; margin-top: 26px; padding-top: 24px; border-top: 1px solid var(--border); }
.officer-meta-item { display: flex; align-items: center; gap: 12px; }
.officer-meta-item svg {
  width: 22px; height: 22px; padding: 9px; box-sizing: content-box; flex: none;
  color: var(--silver-deep); background: rgba(15,174,185,0.1); border: 1px solid rgba(15,174,185,0.22);
  border-radius: 12px;
}
.officer-meta-item div { font-size: 13.5px; line-height: 1.4; }
.officer-meta-item span { display: block; font-size: 11px; color: var(--ink-faint); text-transform: uppercase; letter-spacing: 0.04em; margin-bottom: 2px; }
.officer-bio { color: var(--ink-muted); font-size: 15.5px; line-height: 1.8; }
.officer-bio p { margin-bottom: 16px; color: inherit; }

/* Get In Touch — real contact form that mailto:s the exact officer */
.officer-contact-wrap { display: grid; grid-template-columns: 0.85fr 1.15fr; gap: 48px; align-items: center; text-align: left; }
.officer-contact-copy p { margin-top: 16px; color: var(--ink-muted); font-size: 15.5px; line-height: 1.75; max-width: 420px; }
.officer-contact-copy .hero-actions { margin-top: 26px; justify-content: flex-start; }
.officer-contact-form {
  background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 36px; box-shadow: 0 24px 50px var(--shadow);
}
.officer-contact-form .field-row { grid-template-columns: 1fr 1fr; }
@media (max-width: 900px) {
  .officer-contact-wrap { grid-template-columns: 1fr; text-align: center; }
  .officer-contact-copy p { margin-left: auto; margin-right: auto; }
  .officer-contact-copy .hero-actions { justify-content: center; }
}
@media (max-width: 560px) { .officer-contact-form .field-row { grid-template-columns: 1fr; } }

/* ==========================================================================
   Process timeline (Loan Process page + homepage "Our Process")
   ========================================================================== */
.process-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.process-card {
  position: relative; overflow: hidden; padding: 28px 24px; background: var(--bg-card);
  border: 1px solid var(--border); border-radius: var(--radius-lg);
  transition: border-color 0.3s ease, transform 0.4s cubic-bezier(.34,1.56,.64,1), box-shadow 0.35s ease;
}
.process-card > * { position: relative; z-index: 2; }
.process-card:hover { border-color: rgba(15,174,185,0.4); transform: translateY(-8px) scale(1.02); box-shadow: 0 26px 52px rgba(15,174,185,0.14); }
.process-num {
  width: 46px; height: 46px; border-radius: 50%; margin-bottom: 16px;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head); font-size: 15px; font-weight: 700; color: var(--silver-deep);
  background: rgba(15,174,185,0.1);
  will-change: transform;
  transition: transform 0.4s cubic-bezier(.34,1.56,.64,1), box-shadow 0.3s ease, background 0.35s ease, color 0.35s ease;
}
/* Invert on hover: light tint -> solid gold fill, number flips to white. */
.process-card:hover .process-num { transform: scale(1.15) rotate(360deg); box-shadow: 0 0 10px 5px rgba(15,174,185,0.15); background: var(--silver-gradient); color: var(--on-silver); }
.process-card h3 { font-size: 16px; margin-bottom: 10px; }
.process-card p { font-size: 13.5px; color: var(--ink-muted); line-height: 1.65; }
@media (prefers-reduced-motion: reduce) { .process-card:hover::before { animation: none; } }
@media (max-width: 900px) { .process-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .process-grid { grid-template-columns: 1fr; } }

/* ==========================================================================
   Process — 3D scroll stack (variant A). A sticky-pinned viewport where
   each card owns a slice of the wrapper's scroll range: cards fan out at
   rest, square up as scroll begins, then peel away one by one; the final
   card settles and stays. Driven by JS in script.js (.stack-scroll).
   ========================================================================== */
.stack-scroll { position: relative; }
.stack-sticky { position: sticky; top: 0; height: 100svh; display: flex; align-items: center; justify-content: center; overflow: hidden; }
.stack-container { position: relative; width: min(480px, 88vw); height: min(420px, 60vh); perspective: 1200px; }
.stack-card {
  position: absolute; inset: 0; display: flex; flex-direction: column; align-items: center; justify-content: center;
  text-align: center; padding: 42px 40px; border-radius: var(--radius-lg);
  border: 1px solid var(--border); background: var(--bg-card);
  box-shadow: 0 30px 60px var(--shadow);
  will-change: transform, opacity; backface-visibility: hidden;
}
.stack-num {
  width: 56px; height: 56px; border-radius: 50%; background: var(--silver-gradient);
  display: flex; align-items: center; justify-content: center; color: var(--on-silver);
  font-family: var(--font-head); font-weight: 700; font-size: 18px; margin-bottom: 22px;
  position: relative; flex: none;
}
.stack-num::before, .stack-num::after { content: ''; position: absolute; inset: -10px; border-radius: 50%; border: 2px solid var(--silver); opacity: 0; pointer-events: none; }
.stack-card h3 { font-size: 21px; margin-bottom: 12px; }
.stack-card p { color: var(--ink-muted); line-height: 1.65; max-width: 360px; font-size: 14.5px; }
.stack-progress { position: absolute; bottom: 22px; left: 50%; transform: translateX(-50%); display: flex; gap: 7px; }
.stack-progress span { width: 7px; height: 7px; border-radius: 50%; background: var(--border-strong); transition: background 0.3s ease, transform 0.3s ease; }
.stack-progress span.active { background: var(--silver); transform: scale(1.3); }
@keyframes closing-ring { 0% { opacity: 0.9; transform: scale(1); } 100% { opacity: 0; transform: scale(1.7); } }
.stack-card.is-final.is-done .stack-num::after { animation: closing-ring 1.3s ease-out 0.1s; }
.stack-card.is-final.is-done .stack-num::before { animation: closing-ring 1.3s ease-out 0.35s; }
@media (max-width: 640px) { .stack-card { padding: 32px 26px; } .stack-card h3 { font-size: 18px; } .stack-card p { font-size: 13.5px; } }
@media (prefers-reduced-motion: reduce) {
  .stack-sticky { position: relative; height: auto; padding: 20px 0; }
  .stack-container { height: auto; perspective: none; display: flex; flex-direction: column; gap: 16px; }
  .stack-card { position: relative; inset: auto; transform: none !important; opacity: 1 !important; }
}

/* ==========================================================================
   Process — morphing card stack (variant B, used on Loan Process). A
   click/auto-advance stack (not scroll-linked): the front card "morphs"
   away — scales down, rotates and slides sideways while fading — to
   reveal the next one, looping. Distinct feel from the scroll-stack above.
   ========================================================================== */
.morph-stack { position: relative; width: min(560px, 92vw); height: min(360px, 52vh); margin: 0 auto; }
.morph-card {
  position: absolute; inset: 0; display: flex; flex-direction: column; justify-content: center;
  padding: 40px 44px; border-radius: var(--radius-lg); border: 1px solid var(--border);
  background: var(--bg-card); box-shadow: 0 26px 52px var(--shadow);
  transition: transform 0.65s cubic-bezier(.22,.8,.25,1), opacity 0.55s ease, filter 0.55s ease;
  transform-origin: 80% 50%;
}
.morph-card .stack-num { margin-bottom: 18px; }
.morph-card h3 { font-size: 20px; margin-bottom: 10px; }
.morph-card p { color: var(--ink-muted); line-height: 1.65; font-size: 14.5px; max-width: 420px; }
.morph-card.is-active { transform: translate(0,0) rotate(0deg) scale(1); opacity: 1; z-index: 3; filter: blur(0); }
.morph-card.is-next { transform: translate(18px, 14px) rotate(2deg) scale(0.96); opacity: 0.55; z-index: 2; filter: blur(0.5px); }
.morph-card.is-behind { transform: translate(30px, 26px) rotate(4deg) scale(0.92); opacity: 0; z-index: 1; }
.morph-card.is-leaving { transform: translate(-70px, -34px) rotate(-14deg) scale(0.82); opacity: 0; z-index: 4; filter: blur(1px); }
.morph-dots { display: flex; justify-content: center; gap: 8px; margin-top: 24px; }
.morph-dots button {
  width: 9px; height: 9px; border-radius: 50%; border: none; padding: 0; cursor: pointer;
  background: var(--border-strong); transition: background 0.25s ease, transform 0.25s ease;
}
.morph-dots button.active { background: var(--silver); transform: scale(1.35); }
@media (max-width: 640px) { .morph-card { padding: 30px 26px; } }
@media (prefers-reduced-motion: reduce) { .morph-card { transition: opacity 0.3s ease; } }

/* ==========================================================================
   Process — blur-reveal scroll deck (variant C, used on Loan Process). A
   third distinct take: purely scroll-driven like variant A (never moves on
   its own), but instead of fanning/peeling, up to 3 cards stack with depth
   behind the active one, and the active card's copy blur-reveals in while
   a rotating glow-ring border traces its edge. Ported from the same
   component used on Wade Darius's site, retuned to JD's gold palette.
   ========================================================================== */
.deck-scroll { position: relative; height: 380vh; }
@media (max-width: 700px) { .deck-scroll { height: 320vh; } }
.deck-pin { position: sticky; top: 0; height: 100svh; display: flex; flex-direction: column; align-items: center; justify-content: center; overflow: hidden; }
.deck-wrap { position: relative; width: min(560px, 88vw); height: min(460px, 62vh); }
.deck-card {
  position: absolute; inset: 0; box-sizing: border-box;
  border-radius: var(--radius-lg); border: 1px solid var(--border); background: var(--bg-card);
  box-shadow: 0 24px 50px var(--shadow); padding: clamp(26px, 4vw, 40px);
  transform-origin: top center;
  transition: transform 0.7s cubic-bezier(.22,.61,.36,1), opacity 0.7s cubic-bezier(.22,.61,.36,1);
}
.deck-card[data-pos="active"] { transform: translateY(0) scale(1); opacity: 1; z-index: 5; }
.deck-card[data-pos="next1"] { transform: translateY(16px) scale(0.95); opacity: 0.55; z-index: 4; }
.deck-card[data-pos="next2"] { transform: translateY(30px) scale(0.9); opacity: 0.28; z-index: 3; }
.deck-card[data-pos="hidden-ahead"] { transform: translateY(42px) scale(0.86); opacity: 0; z-index: 2; }
.deck-card[data-pos="passed"] { transform: translateY(-120%) rotate(-6deg) scale(0.96); opacity: 0; z-index: 1; transition: transform 0.4s cubic-bezier(.4,0,.7,1), opacity 0.34s ease-out; }
.deck-card-top { display: flex; align-items: center; gap: 14px; position: relative; z-index: 1; }
.deck-card .stack-num { margin-bottom: 0; }
.deck-bar { height: 6px; width: 32px; border-radius: 100px; background: var(--silver); transform: scaleX(0); transform-origin: left center; transition: transform 0.55s cubic-bezier(.33,1,.68,1) 0.05s; }
.deck-card[data-pos="active"] .deck-bar { transform: scaleX(1); }
.deck-card h3, .deck-card p { position: relative; z-index: 1; filter: blur(6px); opacity: 0; transform: translateY(8px); transition: filter 0.5s cubic-bezier(.22,.61,.36,1), opacity 0.5s cubic-bezier(.22,.61,.36,1), transform 0.5s cubic-bezier(.22,.61,.36,1); }
.deck-card h3 { margin: 20px 0 10px; font-size: clamp(1.1rem, 2.2vw, 1.35rem); }
.deck-card p { color: var(--ink-muted); line-height: 1.6; font-size: 15px; transition-delay: 0.08s; }
.deck-card[data-pos="active"] h3, .deck-card[data-pos="active"] p { filter: blur(0); opacity: 1; transform: translateY(0); }
.deck-steps { position: relative; z-index: 1; list-style: none; margin: 18px 0 0; padding: 0; display: grid; gap: 9px; }
.deck-steps li { display: flex; align-items: center; gap: 9px; font-size: 13.5px; color: var(--ink-soft); opacity: 0; transform: translateX(-6px); transition: opacity 0.4s ease, transform 0.4s ease; }
.deck-steps li svg { flex-shrink: 0; width: 15px; height: 15px; color: var(--silver); }
.deck-card[data-pos="active"] .deck-steps li { opacity: 1; transform: translateX(0); }
.deck-card[data-pos="active"] .deck-steps li:nth-child(1) { transition-delay: 0.3s; }
.deck-card[data-pos="active"] .deck-steps li:nth-child(2) { transition-delay: 0.4s; }
.deck-card[data-pos="active"] .deck-steps li:nth-child(3) { transition-delay: 0.5s; }
@property --deck-angle { syntax: '<angle>'; inherits: false; initial-value: 0deg; }
.deck-card[data-pos="active"] {
  border: 2px solid transparent;
  background:
    linear-gradient(var(--bg-card), var(--bg-card)) padding-box,
    conic-gradient(from var(--deck-angle), var(--border), var(--silver) 25%, var(--silver-deep) 45%, var(--border) 65%) border-box;
  animation: deck-ring-spin 4s linear infinite;
}
@keyframes deck-ring-spin { to { --deck-angle: 360deg; } }
@media (prefers-reduced-motion: reduce) { .deck-card[data-pos="active"] { animation: none; } }
.deck-dots { display: flex; gap: 9px; margin-top: 26px; justify-content: center; }
.deck-dot { width: 9px; height: 9px; border-radius: 50%; background: var(--border-strong); border: none; padding: 0; cursor: pointer; transition: transform 0.5s cubic-bezier(.22,.61,.36,1), background-color 0.5s; }
.deck-dot.is-active { background: var(--silver); transform: scale(1.35); }
.deck-hint {
  position: absolute; bottom: 18px; display: flex; flex-direction: column; align-items: center; gap: 4px;
  color: var(--ink-faint); font-size: 11px; letter-spacing: 0.06em; text-transform: uppercase; font-weight: 700;
  opacity: 1; transition: opacity 0.3s ease; animation: deck-hint-bob 1.8s ease-in-out infinite;
}
.deck-hint.is-hidden { opacity: 0; pointer-events: none; }
@keyframes deck-hint-bob { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(5px); } }
@media (prefers-reduced-motion: reduce) { .deck-hint { animation: none; } }

.checklist-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; max-width: 720px; margin: 0 auto; }
.checklist-item { display: flex; align-items: center; gap: 12px; padding: 16px 18px; background: var(--bg-card); border: 1px solid var(--border); border-radius: 12px; font-size: 14px; }
.checklist-item svg { width: 18px; height: 18px; color: var(--silver); flex: none; }
@media (max-width: 640px) { .checklist-grid { grid-template-columns: 1fr; } }

/* Application Checklist — animated step cards, looping pulse ring around
   each step number so the page feels alive without needing scroll/hover. */
.checklist-steps { display: flex; flex-direction: column; gap: 18px; max-width: 720px; margin: 0 auto; }
.checklist-step {
  display: flex; align-items: flex-start; gap: 20px; padding: 22px 26px;
  background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-lg);
  transition: border-color 0.25s ease, transform 0.25s ease, box-shadow 0.25s ease;
}
.checklist-step:hover { border-color: rgba(15,174,185,0.4); transform: translateX(4px); box-shadow: 0 16px 34px rgba(15,174,185,0.1); }
.checklist-step-icon {
  position: relative; flex: none; width: 46px; height: 46px; border-radius: 50%;
  background: var(--silver-gradient); color: var(--on-silver);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head); font-weight: 700; font-size: 16px;
}
.checklist-step-icon::before, .checklist-step-icon::after {
  content: ''; position: absolute; inset: -6px; border-radius: 50%;
  border: 1.5px solid rgba(15,174,185,0.5); opacity: 0;
  animation: checklist-pulse 2.6s ease-out infinite;
}
.checklist-step-icon::after { animation-delay: 1.3s; }
@keyframes checklist-pulse {
  0% { transform: scale(0.85); opacity: 0.7; }
  70% { opacity: 0; }
  100% { transform: scale(1.4); opacity: 0; }
}
@media (prefers-reduced-motion: reduce) { .checklist-step-icon::before, .checklist-step-icon::after { animation: none; display: none; } }
.checklist-step-body h3 { font-size: 15.5px; margin-bottom: 6px; }
.checklist-step-body p { font-size: 13.5px; color: var(--ink-muted); line-height: 1.6; }
.checklist-steps .checklist-step:nth-child(2) .checklist-step-icon::before,
.checklist-steps .checklist-step:nth-child(2) .checklist-step-icon::after { animation-delay: 0.4s, 1.7s; }
.checklist-steps .checklist-step:nth-child(3) .checklist-step-icon::before { animation-delay: 0.8s; }
.checklist-steps .checklist-step:nth-child(3) .checklist-step-icon::after { animation-delay: 2.1s; }
.checklist-steps .checklist-step:nth-child(4) .checklist-step-icon::before { animation-delay: 1.2s; }
.checklist-steps .checklist-step:nth-child(4) .checklist-step-icon::after { animation-delay: 2.5s; }
.checklist-steps .checklist-step:nth-child(5) .checklist-step-icon::before { animation-delay: 1.6s; }
.checklist-steps .checklist-step:nth-child(5) .checklist-step-icon::after { animation-delay: 2.9s; }
.checklist-steps .checklist-step:nth-child(6) .checklist-step-icon::before { animation-delay: 2s; }
.checklist-steps .checklist-step:nth-child(6) .checklist-step-icon::after { animation-delay: 3.3s; }

/* ==========================================================================
   FAQ accordion
   ========================================================================== */
.faq-list { max-width: 780px; margin: 0 auto; display: flex; flex-direction: column; gap: 12px; }
.faq-columns { display: grid; grid-template-columns: 1fr 1fr; gap: 12px 24px; max-width: 980px; margin: 0 auto; align-items: start; }
.faq-columns .faq-list { max-width: none; margin: 0; }
@media (max-width: 800px) { .faq-columns { grid-template-columns: 1fr; } }
.faq-item { background: var(--bg-card); border: 1px solid var(--border); border-radius: 14px; overflow: hidden; transition: border-color 0.2s ease; }
.faq-item.is-open { border-color: rgba(15,174,185,0.4); }
.faq-q {
  width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 16px;
  padding: 20px 24px; background: none; border: none; text-align: left; cursor: pointer;
  font-family: var(--font-head); font-size: 15.5px; font-weight: 600; color: var(--ink);
}
.faq-q svg { width: 18px; height: 18px; color: var(--silver); flex: none; transition: transform 0.25s ease; }
.faq-item.is-open .faq-q svg { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.3s ease; }
.faq-a-inner { padding: 0 24px 22px; font-size: 14.5px; color: var(--ink-muted); line-height: 1.75; }
.faq-item.is-open .faq-a { max-height: 400px; }

/* ==========================================================================
   Gallery mosaic
   ========================================================================== */
.gallery-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); grid-auto-rows: 160px; gap: 14px;
}
.gallery-item { position: relative; overflow: hidden; border-radius: 14px; }
.gallery-item img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform 0.5s ease; }
.gallery-item:hover img { transform: scale(1.08); }
.gallery-item.wide { grid-column: span 2; }
.gallery-item.tall { grid-row: span 2; }
@media (max-width: 900px) { .gallery-grid { grid-template-columns: repeat(2, 1fr); grid-auto-rows: 150px; } .gallery-item.wide { grid-column: span 2; } }
@media (max-width: 560px) { .gallery-grid { grid-template-columns: 1fr; } .gallery-item.wide, .gallery-item.tall { grid-column: span 1; grid-row: span 1; } }

/* ==========================================================================
   Events
   ========================================================================== */
.event-card {
  display: grid; grid-template-columns: 200px 1fr; gap: 28px; align-items: center;
  background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 24px; max-width: 720px; margin: 0 auto;
}
.event-date {
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  background: var(--silver-gradient); color: var(--on-silver); border-radius: 14px; padding: 18px 10px;
  font-family: var(--font-head);
}
.event-date .month { font-size: 12px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; }
.event-date .day { font-size: 34px; font-weight: 700; line-height: 1; margin: 4px 0; }
.event-date .year { font-size: 12px; opacity: 0.8; }
.event-body h3 { font-size: 19px; margin-bottom: 8px; }
.event-meta { font-size: 13px; color: var(--ink-faint); margin-bottom: 10px; }
.event-body p { font-size: 14px; color: var(--ink-muted); line-height: 1.65; margin-bottom: 16px; }
@media (max-width: 600px) { .event-card { grid-template-columns: 1fr; text-align: center; } .event-date { flex-direction: row; gap: 8px; justify-content: center; } }

/* ==========================================================================
   Careers — job card + perk grid
   ========================================================================== */
.job-card { background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 36px; max-width: 760px; margin: 0 auto; }
.job-card-head { display: flex; justify-content: space-between; align-items: flex-start; gap: 20px; flex-wrap: wrap; margin-bottom: 20px; padding-bottom: 20px; border-bottom: 1px solid var(--border); }
.job-card-head h3 { font-size: 20px; margin-bottom: 6px; }
.job-card-head p { font-size: 13.5px; color: var(--ink-faint); }
.job-tags { display: flex; gap: 8px; flex-wrap: wrap; }
.job-tag { font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.04em; padding: 6px 12px; border-radius: 999px; background: rgba(15,174,185,0.1); color: var(--silver-light); border: 1px solid rgba(15,174,185,0.24); }
.job-card h4 { font-size: 14px; margin: 20px 0 10px; color: var(--ink); }
.job-card ul { margin: 0 0 8px; padding-left: 20px; color: var(--ink-muted); font-size: 14px; line-height: 1.8; }
.job-card p { color: var(--ink-muted); font-size: 14.5px; line-height: 1.75; }

.perk-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.perk-card {
  background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 26px;
  transition: transform 0.3s cubic-bezier(.2,.8,.2,1), border-color 0.3s ease, box-shadow 0.3s ease;
}
.perk-card:hover { transform: translateY(-6px); border-color: rgba(15,174,185,0.4); box-shadow: 0 22px 46px var(--shadow); }
.perk-tag { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em; color: var(--silver); margin-bottom: 12px; display: block; }
.perk-card h3 { font-size: 16px; margin-bottom: 8px; }
.perk-card p { font-size: 13.5px; color: var(--ink-muted); line-height: 1.6; }
.perk-link {
  display: inline-flex; align-items: center; gap: 6px; margin-top: 16px; padding-top: 14px;
  border-top: 1px solid var(--border); width: 100%;
  font-family: var(--font-head); font-size: 12.5px; font-weight: 700; color: var(--silver-deep);
}
.perk-link svg { width: 13px; height: 13px; transition: transform 0.3s cubic-bezier(.2,.8,.2,1); }
.perk-card:hover .perk-link { color: var(--silver-deep); }
.perk-card:hover .perk-link svg { transform: translate(3px, -3px); }
@media (max-width: 900px) { .perk-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .perk-grid { grid-template-columns: 1fr; } }

/* ==========================================================================
   Basics / resource link grid (Mortgage Basics, Loan Programs teaser)
   ========================================================================== */
.basics-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.basics-card { background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 24px; transition: border-color 0.2s ease, transform 0.2s ease; }
.basics-card:hover { border-color: rgba(15,174,185,0.4); transform: translateY(-3px); }
.basics-card h3 { font-size: 15px; margin-bottom: 8px; }
.basics-card p { font-size: 13px; color: var(--ink-muted); line-height: 1.6; margin-bottom: 14px; }
.basics-link { display: inline-block; font-size: 12.5px; font-weight: 700; color: var(--silver-deep); transition: transform 0.2s ease, color 0.2s ease; }
.basics-link:hover { color: var(--silver); transform: translateX(3px); }

/* Glossary */
/* ==========================================================================
   Mortgage Glossary — A-Z reveal grid + modal
   ========================================================================== */
.letter-grid { display: grid; grid-template-columns: repeat(7, 1fr); gap: 14px; }
.letter-tile {
  position: relative; aspect-ratio: 1/1; border-radius: var(--radius-lg);
  border: 1px solid var(--border); background: var(--bg-card);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head); cursor: default;
  transition: transform 0.3s cubic-bezier(.2,.8,.2,1), border-color 0.3s ease, box-shadow 0.3s ease, background 0.3s ease;
  padding: 0;
}
.letter-tile-char { font-size: clamp(22px, 3vw, 32px); font-weight: 700; color: var(--ink-faint); transition: color 0.3s ease; }
.letter-tile.is-empty { background: var(--bg-alt); opacity: 0.45; }
.letter-tile.has-terms { cursor: pointer; }
.letter-tile.has-terms .letter-tile-char { color: var(--ink); }
.letter-tile.has-terms:hover { transform: translateY(-6px) scale(1.05); border-color: rgba(15,174,185,0.45); box-shadow: 0 22px 44px rgba(15,174,185,0.16); }
.letter-tile.has-terms:hover .letter-tile-char { color: var(--silver-deep); }
.letter-tile-count {
  position: absolute; top: 8px; right: 8px; min-width: 18px; height: 18px; padding: 0 5px;
  border-radius: 999px; background: var(--silver-gradient); color: var(--on-silver);
  font-size: 10px; font-weight: 700; display: flex; align-items: center; justify-content: center;
  opacity: 0; transform: scale(0.6); transition: opacity 0.25s ease, transform 0.25s ease;
}
.letter-tile.has-terms:hover .letter-tile-count { opacity: 1; transform: scale(1); }
/* click "reveal / elevate / uncover" burst, before the modal opens */
.letter-tile.is-revealing { animation: letter-reveal 0.55s cubic-bezier(.2,.8,.2,1); z-index: 5; }
@keyframes letter-reveal {
  0% { transform: translateY(0) scale(1); }
  40% { transform: translateY(-18px) scale(1.18) rotate(-3deg); box-shadow: 0 30px 60px rgba(15,174,185,0.3); }
  100% { transform: translateY(-6px) scale(1.05); }
}
@media (max-width: 900px) { .letter-grid { grid-template-columns: repeat(5, 1fr); gap: 10px; } }
@media (max-width: 560px) { .letter-grid { grid-template-columns: repeat(4, 1fr); gap: 8px; } }

.letter-modal { position: fixed; inset: 0; z-index: 300; display: flex; align-items: center; justify-content: center; padding: 24px; visibility: hidden; opacity: 0; transition: opacity 0.3s ease, visibility 0.3s ease; }
.letter-modal.is-open { visibility: visible; opacity: 1; }
.letter-modal-backdrop { position: absolute; inset: 0; background: rgba(13,36,41,0.55); backdrop-filter: blur(6px); -webkit-backdrop-filter: blur(6px); }
.letter-modal-panel {
  position: relative; z-index: 1; width: min(560px, 100%); max-height: 82vh; overflow-y: auto;
  background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 44px 40px 36px; box-shadow: 0 40px 80px rgba(13,36,41,0.35);
  transform: translateY(24px) scale(0.97); opacity: 0; transition: transform 0.35s cubic-bezier(.2,.8,.2,1), opacity 0.35s ease;
}
.letter-modal.is-open .letter-modal-panel { transform: translateY(0) scale(1); opacity: 1; }
.letter-modal-close {
  position: absolute; top: 18px; right: 18px; width: 36px; height: 36px; border-radius: 50%;
  box-shadow: 0 0 0 1px var(--border); background: var(--bg-raised); color: var(--ink-muted);
  display: flex; align-items: center; justify-content: center; cursor: pointer;
  will-change: transform;
  transition: background 0.2s ease, color 0.2s ease, box-shadow 0.2s ease, transform 0.2s ease;
}
.letter-modal-close:hover { background: var(--silver-gradient); color: var(--on-silver); transform: rotate(90deg); box-shadow: 0 0 1px 1px var(--silver); }
.letter-modal-big {
  width: 64px; height: 64px; border-radius: 16px; background: var(--silver-gradient); color: var(--on-silver);
  display: flex; align-items: center; justify-content: center; font-family: var(--font-head);
  font-weight: 700; font-size: 30px; margin-bottom: 18px;
}
.letter-modal-title { font-size: 20px; margin-bottom: 22px; }
.letter-modal-title span { color: var(--silver-deep); }
.letter-modal-list { display: flex; flex-direction: column; gap: 4px; }
.letter-modal-item {
  padding: 16px 4px; border-top: 1px solid var(--border);
  opacity: 0; transform: translateX(-10px);
  animation: letter-item-in 0.4s ease forwards;
  animation-delay: calc(var(--i) * 0.06s);
}
.letter-modal-item:first-child { border-top: none; }
@keyframes letter-item-in { to { opacity: 1; transform: translateX(0); } }
.letter-modal-item h3 { font-size: 15px; margin-bottom: 6px; color: var(--silver-deep); }
.letter-modal-item p { font-size: 13.5px; color: var(--ink-muted); line-height: 1.65; }
@media (prefers-reduced-motion: reduce) { .letter-tile.is-revealing { animation: none; } .letter-modal-item { animation: none; opacity: 1; transform: none; } }
@media (max-width: 900px) { .basics-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .basics-grid { grid-template-columns: 1fr; } }

/* ==========================================================================
   Simple two-column contact layout (contact.html)
   ========================================================================== */
.contact-split { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 56px; align-items: start; }
@media (max-width: 900px) { .contact-split { grid-template-columns: 1fr; } }

/* ==========================================================================
   City Capital additions — orange accent utilities
   ========================================================================== */
.accent-orange-text {
  background: linear-gradient(115deg, var(--orange-light), var(--orange) 45%, var(--orange-deep), var(--orange) 65%, var(--orange-light));
  background-size: 220% auto;
  -webkit-background-clip: text; background-clip: text; color: transparent;
  animation: accent-shimmer 5s ease-in-out infinite;
}
@media (prefers-reduced-motion: reduce) { .accent-orange-text { animation: none; } }
.eyebrow-orange { color: var(--orange-deep); background: rgba(249,115,22,0.08); border-color: rgba(249,115,22,0.26); }
.btn-orange {
  position: relative; overflow: hidden;
  background: var(--orange-gradient); border: none; color: #fff;
  box-shadow: 0 8px 24px rgba(249,115,22,0.2);
  will-change: transform;
  transition: transform 0.2s ease, box-shadow 0.2s ease, filter 0.2s ease;
}
.btn-orange::before {
  content: ''; position: absolute; inset: 0; z-index: 2; pointer-events: none;
  border-radius: inherit; overflow: hidden;
  background-image: linear-gradient(115deg, transparent 40%, rgba(255,255,255,0.55) 50%, transparent 60%);
  background-repeat: no-repeat; background-size: 220% 220%; background-position: -80% 50%;
}
.btn-orange:hover { transform: translateY(-1px); box-shadow: 0 12px 30px rgba(249,115,22,0.34); filter: brightness(1.05); }
.btn-orange:hover::before { animation: btn-shine 0.9s ease-out; }

/* Nav logo — same treatment as JD Lendings / Centric: mark + two-line
   wordmark. The dark-ink mark is the default (so the brand is always
   visible on light pages like Contact/FAQ); pages with a dark photo hero
   get `nav-on-photo` from site-chrome.js, which swaps in the white
   knockout mark + white wordmark until the header scrolls into its white
   glass state. */
.site-nav__logo { position: relative; }
.site-nav__logo .logo-light, .site-nav__logo .logo-dark { height: 48px; width: auto; }
.site-nav__logo .logo-light { display: none; }
.site-nav__logo .logo-dark { display: block; filter: none; }
.site-nav.nav-on-photo:not(.is-scrolled) .site-nav__logo .logo-light { display: block; }
.site-nav.nav-on-photo:not(.is-scrolled) .site-nav__logo .logo-dark { display: none; }
@media (max-width: 640px) { .site-nav__logo .logo-light, .site-nav__logo .logo-dark { height: 36px; } }

/* ==========================================================================
   City Capital additions — listing cards (vibrant photo-first cards)
   ========================================================================== */
.listings-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.listing-card {
  position: relative; overflow: hidden; display: flex; flex-direction: column;
  background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-lg);
  transition: transform 0.35s cubic-bezier(.2,.8,.2,1), border-color 0.3s ease, box-shadow 0.3s ease;
}
.listing-card:hover { transform: translateY(-8px); border-color: rgba(15,174,185,0.45); box-shadow: 0 30px 60px rgba(10,55,62,0.16); }
.listing-media { position: relative; aspect-ratio: 4 / 3; overflow: hidden; }
.listing-media img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform 0.6s cubic-bezier(0.22,1,0.36,1); }
.listing-card:hover .listing-media img { transform: scale(1.07); }
.listing-media::after {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background: linear-gradient(0deg, rgba(8,10,12,0.42) 0%, transparent 45%);
}
.listing-price {
  position: absolute; left: 14px; bottom: 12px; z-index: 2;
  font-family: var(--font-head); font-weight: 700; font-size: 17px; color: #fff;
  text-shadow: 0 2px 10px rgba(0,0,0,0.4);
}
.listing-status {
  position: absolute; top: 14px; left: 14px; z-index: 2;
  font-family: var(--font-head); font-size: 10.5px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
  color: #fff; background: var(--orange-gradient);
  padding: 6px 12px; border-radius: 999px; box-shadow: 0 6px 16px rgba(234,88,12,0.35);
}
.listing-status.status-aqua { background: var(--silver-gradient); color: var(--on-silver); box-shadow: 0 6px 16px rgba(15,174,185,0.35); }
.listing-body { padding: 18px 20px 20px; display: flex; flex-direction: column; gap: 10px; flex: 1; }
.listing-body h3 { font-size: 15.5px; line-height: 1.35; }
.listing-city { font-size: 12.5px; color: var(--ink-faint); display: inline-flex; align-items: center; gap: 6px; }
.listing-city svg { width: 13px; height: 13px; color: var(--silver); }
.listing-specs { display: flex; gap: 14px; margin-top: auto; padding-top: 12px; border-top: 1px solid var(--border); font-size: 12.5px; color: var(--ink-muted); flex-wrap: wrap; }
.listing-specs b { color: var(--ink); font-weight: 600; }
@media (max-width: 980px) { .listings-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .listings-grid { grid-template-columns: 1fr; } }

/* Search filter bar — frosted glass toolbar above the grid */
.search-bar {
  display: grid; grid-template-columns: 1.4fr 1fr 1fr 0.8fr 0.8fr auto; gap: 10px;
  background: var(--bg-glass-strong); backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px);
  border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 14px; box-shadow: 0 18px 40px rgba(10,55,62,0.08);
}
.search-bar select, .search-bar input {
  width: 100%; padding: 12px 14px; border-radius: 10px; border: 1px solid var(--border-strong);
  background: var(--input-bg); color: var(--ink); font-family: var(--font-body); font-size: 13.5px;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}
.search-bar select:focus, .search-bar input:focus { outline: none; border-color: var(--silver); box-shadow: 0 0 0 3px rgba(15,174,185,0.14); }
.search-count { font-size: 13px; color: var(--ink-faint); margin: 18px 2px 22px; }
.search-empty {
  text-align: center; padding: 60px 24px; border: 1px dashed var(--border-strong);
  border-radius: var(--radius-lg); color: var(--ink-muted); font-size: 14.5px;
}
@media (max-width: 980px) { .search-bar { grid-template-columns: 1fr 1fr; } .search-bar .btn { grid-column: span 2; } }

/* IDX embed panel */
.idx-panel {
  position: relative; overflow: hidden; text-align: center;
  background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 64px 32px; box-shadow: 0 24px 50px rgba(10,55,62,0.08);
}
.idx-panel .bg-mesh { opacity: 1; }
.idx-panel > * { position: relative; z-index: 1; }
.idx-badge {
  display: inline-flex; align-items: center; gap: 8px; margin-bottom: 18px;
  font-family: var(--font-head); font-size: 11px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--orange-deep); background: rgba(249,115,22,0.08); border: 1px solid rgba(249,115,22,0.28);
  border-radius: 999px; padding: 7px 16px;
}
.idx-badge .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--orange); animation: idx-pulse 1.6s ease-in-out infinite; }
@keyframes idx-pulse { 0%,100% { opacity: 1; transform: scale(1); } 50% { opacity: 0.4; transform: scale(0.8); } }
@media (prefers-reduced-motion: reduce) { .idx-badge .dot { animation: none; } }
.idx-panel h2 { font-size: clamp(24px, 3vw, 34px); }
.idx-panel p { margin: 14px auto 26px; max-width: 520px; color: var(--ink-muted); font-size: 15px; line-height: 1.7; }

/* ==========================================================================
   City Capital additions — communities
   ========================================================================== */
.community-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.community-card {
  position: relative; display: block; overflow: hidden; border-radius: var(--radius-lg);
  aspect-ratio: 4 / 5; background: #101315; border: 1px solid var(--border);
  transition: transform 0.35s cubic-bezier(.2,.8,.2,1), box-shadow 0.3s ease;
}
.community-card:hover { transform: translateY(-8px); box-shadow: 0 30px 60px rgba(10,55,62,0.22); }
.community-card img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform 0.6s cubic-bezier(0.22,1,0.36,1); }
.community-card:hover img { transform: scale(1.08); }
.community-card::after {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(0deg, rgba(8,10,12,0.85) 0%, rgba(8,10,12,0.2) 55%, transparent 75%);
}
.community-card-label { position: absolute; left: 18px; right: 18px; bottom: 16px; z-index: 2; }
.community-card-label h3 { color: #fff; font-size: 18px; margin-bottom: 3px; }
.community-card-label span { font-size: 12.5px; color: rgba(255,255,255,0.75); line-height: 1.45; display: block; }
.community-card-arrow {
  position: absolute; top: 14px; right: 14px; z-index: 2;
  width: 34px; height: 34px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  background: rgba(255,255,255,0.16); border: 1px solid rgba(255,255,255,0.3);
  backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px);
  color: #fff; opacity: 0; transform: translateY(6px);
  transition: opacity 0.3s ease, transform 0.3s ease;
}
.community-card:hover .community-card-arrow { opacity: 1; transform: translateY(0); }
.community-card-arrow svg { width: 15px; height: 15px; }
@media (max-width: 1080px) { .community-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 820px) { .community-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .community-grid { grid-template-columns: 1fr; } .community-card { aspect-ratio: 4/3; } }

/* Community detail page — article + sticky quick facts */
.community-layout { display: grid; grid-template-columns: 2fr 1fr; gap: 48px; align-items: start; }
.community-article h2 { font-size: clamp(22px, 2.6vw, 30px); margin: 44px 0 14px; }
.community-article h2:first-child { margin-top: 0; }
.community-article p { color: var(--ink-muted); font-size: 15.5px; line-height: 1.8; margin-bottom: 14px; }
.why-live-list { list-style: none; margin: 6px 0 0; padding: 0; display: grid; gap: 12px; }
.why-live-list li { display: flex; gap: 12px; align-items: flex-start; color: var(--ink-muted); font-size: 15px; line-height: 1.65; }
.why-live-list svg { flex: none; width: 20px; height: 20px; margin-top: 2px; color: var(--silver); background: rgba(15,174,185,0.1); border-radius: 50%; padding: 3px; box-sizing: content-box; }
.quick-facts {
  position: sticky; top: 108px;
  background: var(--bg-glass-strong); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px);
  border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 28px; box-shadow: 0 18px 40px rgba(10,55,62,0.08);
}
.quick-facts h3 { font-size: 15px; margin-bottom: 6px; }
.quick-facts dl { margin: 0; }
.quick-facts dt { font-size: 10.5px; text-transform: uppercase; letter-spacing: 0.07em; color: var(--ink-faint); margin-top: 16px; font-weight: 600; }
.quick-facts dd { margin: 3px 0 0; font-weight: 600; color: var(--ink); font-size: 14.5px; }
.quick-facts .btn { margin-top: 22px; }
@media (max-width: 900px) { .community-layout { grid-template-columns: 1fr; } .quick-facts { position: static; } }

/* Placeholder team card — "seat open" slot linking to careers */
.team-card-open .team-card-photo {
  display: flex; align-items: center; justify-content: center;
  background:
    radial-gradient(300px circle at 50% 0%, rgba(15,174,185,0.14), transparent 70%),
    linear-gradient(180deg, #eef7f8, #e2f0f2);
}
.team-card-open .team-card-photo svg { width: 96px; height: 96px; color: rgba(10,138,148,0.35); }
.team-card-open { border-style: dashed; border-color: var(--border-strong); }
.team-card-open:hover { border-color: var(--orange); box-shadow: 0 24px 48px rgba(249,115,22,0.12); }
.team-card-open .team-card-role { color: var(--orange-deep); }

/* ==========================================================================
   Communities Explorer — editorial index list + sticky live photo preview.
   Hovering (or focusing) a community row crossfades the preview panel to
   that city's photo; the whole row and the preview both link to the city
   guide. On mobile the preview hides and each row grows a photo thumbnail.
   ========================================================================== */
.cx-wrap { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 60px; align-items: start; }
.cx-list { display: flex; flex-direction: column; }
.cx-row {
  position: relative; display: grid; grid-template-columns: 44px 1fr auto; align-items: center; gap: 20px;
  padding: 25px 14px; border-bottom: 1px solid var(--border);
  transition: background 0.35s ease;
}
.cx-row:first-child { border-top: 1px solid var(--border); }
.cx-row::before {
  content: ''; position: absolute; left: 0; right: 0; bottom: -1px; height: 2px;
  background: linear-gradient(90deg, var(--silver), var(--silver-light), transparent);
  transform: scaleX(0); transform-origin: left center;
  transition: transform 0.45s cubic-bezier(.2,.8,.2,1);
}
.cx-row:hover::before, .cx-row.is-active::before { transform: scaleX(1); }
.cx-row:hover, .cx-row.is-active { background: linear-gradient(90deg, rgba(15,174,185,0.06), transparent 70%); }
.cx-num {
  font-family: var(--font-head); font-weight: 600; font-size: 12.5px; letter-spacing: 0.06em;
  color: var(--ink-faint); transition: color 0.3s ease;
}
.cx-row:hover .cx-num, .cx-row.is-active .cx-num { color: var(--orange); }
.cx-body { min-width: 0; }
.cx-name {
  display: block; font-family: var(--font-head); font-weight: 600;
  font-size: clamp(24px, 2.5vw, 33px); line-height: 1.08; letter-spacing: -0.015em; color: var(--ink);
  transition: transform 0.4s cubic-bezier(.2,.8,.2,1), color 0.3s ease;
}
.cx-row:hover .cx-name, .cx-row.is-active .cx-name { transform: translateX(10px); color: var(--silver-deep); }
.cx-meta { display: flex; align-items: center; gap: 10px; margin-top: 7px; transition: transform 0.4s cubic-bezier(.2,.8,.2,1); }
.cx-row:hover .cx-meta, .cx-row.is-active .cx-meta { transform: translateX(10px); }
.cx-tagline { font-size: 13px; color: var(--ink-muted); }
.cx-county {
  flex: none; font-family: var(--font-head); font-size: 10px; font-weight: 700;
  letter-spacing: 0.07em; text-transform: uppercase; color: var(--silver-deep);
  background: rgba(15,174,185,0.09); border: 1px solid rgba(15,174,185,0.24);
  border-radius: 999px; padding: 4px 10px; white-space: nowrap;
}
.cx-arrow {
  width: 40px; height: 40px; border-radius: 50%; flex: none;
  display: flex; align-items: center; justify-content: center;
  background: var(--silver-gradient); color: var(--on-silver);
  opacity: 0; transform: translateX(-8px) rotate(-45deg);
  transition: opacity 0.35s ease, transform 0.45s cubic-bezier(.2,.8,.2,1);
}
.cx-arrow svg { width: 16px; height: 16px; }
.cx-row:hover .cx-arrow, .cx-row.is-active .cx-arrow { opacity: 1; transform: translateX(0) rotate(0deg); }
.cx-thumb { display: none; }

/* Sticky preview panel */
.cx-preview {
  position: sticky; top: 104px; display: block;
  border-radius: var(--radius-lg); overflow: hidden;
  aspect-ratio: 4 / 4.4; background: #101315;
  box-shadow: 0 34px 70px rgba(10,55,62,0.24);
  isolation: isolate;
}
.cx-preview img {
  position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover;
  opacity: 0; transform: scale(1.07);
  transition: opacity 0.55s ease, transform 1.1s cubic-bezier(.2,.8,.2,1);
}
.cx-preview img.is-active { opacity: 1; transform: scale(1); }
.cx-preview::after {
  content: ''; position: absolute; inset: 0; z-index: 1; pointer-events: none;
  background: linear-gradient(0deg, rgba(8,10,12,0.82) 0%, rgba(8,10,12,0.16) 45%, transparent 70%);
}
.cx-preview-label { position: absolute; left: 26px; right: 26px; bottom: 24px; z-index: 2; color: #fff; }
.cx-preview-label .cx-preview-county {
  display: inline-flex; font-family: var(--font-head); font-size: 10px; font-weight: 700;
  letter-spacing: 0.08em; text-transform: uppercase; color: #fff;
  background: rgba(255,255,255,0.16); border: 1px solid rgba(255,255,255,0.32);
  backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px);
  border-radius: 999px; padding: 5px 12px; margin-bottom: 10px;
}
.cx-preview-label h3 { color: #fff; font-size: clamp(24px, 2.4vw, 32px); line-height: 1.1; }
.cx-preview-label p { margin-top: 6px; font-size: 13.5px; color: rgba(255,255,255,0.78); }
.cx-preview-cta {
  display: inline-flex; align-items: center; gap: 8px; margin-top: 16px;
  font-family: var(--font-head); font-size: 12.5px; font-weight: 700;
  color: var(--on-silver); background: var(--silver-gradient);
  border-radius: 999px; padding: 11px 20px;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.cx-preview:hover .cx-preview-cta { transform: translateY(-2px); box-shadow: 0 12px 26px rgba(15,174,185,0.4); }
.cx-preview-cta svg { width: 14px; height: 14px; }

@media (prefers-reduced-motion: reduce) {
  .cx-row::before, .cx-name, .cx-meta, .cx-arrow, .cx-preview img { transition: none; }
}

@media (max-width: 940px) {
  .cx-wrap { grid-template-columns: 1fr; gap: 0; }
  .cx-preview { display: none; }
  .cx-row { grid-template-columns: 74px 1fr auto; padding: 18px 8px; }
  .cx-num { display: none; }
  .cx-thumb {
    display: block; width: 74px; height: 74px; border-radius: 14px; overflow: hidden; flex: none;
  }
  .cx-thumb img { width: 100%; height: 100%; object-fit: cover; display: block; }
  .cx-name { font-size: 21px; }
  .cx-row:hover .cx-name, .cx-row:hover .cx-meta { transform: none; }
  .cx-tagline { font-size: 12px; }
  .cx-county { display: none; }
  .cx-arrow { opacity: 1; transform: none; width: 34px; height: 34px; background: rgba(15,174,185,0.1); color: var(--silver-deep); }
}

/* Team card contact overlay — translucent glass WhatsApp + email buttons
   floating on the photo. */
.team-card-contact { position: absolute; top: 12px; right: 12px; z-index: 3; display: flex; gap: 8px; }
.team-card-contact a {
  position: relative; isolation: isolate; overflow: hidden;
  width: 38px; height: 38px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: #fff; background: rgba(255,255,255,0.2); border: 1px solid rgba(255,255,255,0.45);
  backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px);
  box-shadow: 0 6px 16px rgba(0,0,0,0.2);
  transition: transform 0.25s ease, border-color 0.25s ease, color 0.25s ease;
}
.team-card-contact a svg { position: relative; z-index: 1; width: 17px; height: 17px; }
.team-card-contact a:hover { transform: translateY(-3px); }
/* Hover fill is a separate full-bleed layer that fades in via opacity,
   never a background-color/gradient transition — crossfading a solid color
   into a gradient (especially behind backdrop-filter blur on a circle) is
   what caused the tiny speckled artifacts at the edge; opacity transitions
   don't have that problem. */
.team-card-contact a::before {
  content: ''; position: absolute; inset: 0; z-index: 0; border-radius: 50%;
  opacity: 0; transition: opacity 0.25s ease;
}
.team-card-contact a.wa::before { background: #25D366; }
.team-card-contact a.em::before { background: var(--silver-gradient); }
.team-card-contact a:hover::before { opacity: 1; }
.team-card-contact a.wa:hover, .team-card-contact a.em:hover { border-color: transparent; }
.team-card-contact a.em:hover { color: var(--on-silver); }