/* ============================================================
   Lambert Lending Group — Main Stylesheet
   ============================================================ */

/* ------ Variables ------ */
:root {
  --navy:       #0D1B2A;
  --navy-light: #1a2e45;
  --teal:       #B8963E;
  --teal-dark:  #9B7A2F;
  --gold:       #B8963E;
  --gold-light: #D4AE58;
  --white:      #ffffff;
  --off-white:  #F4F7F9;
  --gray-100:   #f0f2f5;
  --gray-200:   #e2e8ed;
  --gray-400:   #9aabb7;
  --gray-600:   #6B7C85;
  --gray-800:   #3a4a54;
  --text:       #1a2e45;
  --radius:     8px;
  --radius-lg:  16px;
  --shadow-sm:  0 2px 8px rgba(13,27,42,0.08);
  --shadow:     0 4px 24px rgba(13,27,42,0.12);
  --shadow-lg:  0 8px 48px rgba(13,27,42,0.18);
  --transition: all 0.25s ease;
  --max-width:  1200px;
  --header-h:   110px;
}

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

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'Inter', 'Segoe UI', Arial, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

/* ------ Typography ------ */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', 'Segoe UI', Arial, sans-serif;
  font-weight: 700;
  line-height: 1.2;
  color: var(--navy);
}
h1 { font-size: clamp(2rem, 4vw, 3rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.25rem); }
h3 { font-size: clamp(1.25rem, 2.5vw, 1.6rem); }
h4 { font-size: 1.15rem; }
p  { margin-bottom: 1rem; color: var(--gray-800); }
p:last-child { margin-bottom: 0; }

.section-label {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 0.75rem;
}
.section-title { margin-bottom: 1.25rem; }
.section-subtitle { color: var(--gray-600); font-size: 1.05rem; max-width: 600px; }
.gold-rule {
  display: block;
  width: 48px;
  height: 3px;
  background: var(--gold);
  border-radius: 2px;
  margin: 1rem 0 1.5rem;
}
.gold-rule.center { margin-left: auto; margin-right: auto; }

/* ------ Layout Utilities ------ */
.container { max-width: var(--max-width); margin: 0 auto; padding: 0 24px; }
.section { padding: 80px 0; }
.section-sm { padding: 48px 0; }
.section-lg { padding: 112px 0; }
.text-center { text-align: center; }
.text-white { color: var(--white) !important; }
.text-gold { color: var(--gold) !important; }
.text-teal { color: var(--teal) !important; }
.bg-navy { background: var(--navy); }
.bg-off-white { background: var(--off-white); }
.bg-gray { background: var(--gray-100); }
.flex { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

/* ------ Buttons ------ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: var(--radius);
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: 0.875rem;
  letter-spacing: 0.5px;
  transition: var(--transition);
  white-space: nowrap;
}
.btn-primary {
  background: var(--teal);
  color: var(--white);
}
.btn-primary:hover { background: var(--teal-dark); transform: translateY(-1px); box-shadow: 0 4px 16px rgba(184,150,62,0.35); }
.btn-secondary {
  background: var(--white);
  color: var(--navy);
  border: 2px solid var(--white);
}
.btn-secondary:hover { background: transparent; color: var(--white); }
.btn-outline {
  background: transparent;
  color: var(--teal);
  border: 2px solid var(--teal);
}
.btn-outline:hover { background: var(--teal); color: var(--white); }
.btn-gold {
  background: var(--gold);
  color: var(--navy);
}
.btn-gold:hover { background: var(--gold-light); transform: translateY(-1px); }
.btn-sm { padding: 9px 20px; font-size: 0.8rem; }
.btn-lg { padding: 16px 36px; font-size: 1rem; }
.btn svg, .btn .icon { width: 18px; height: 18px; }

/* ============================================================
   HEADER & NAVIGATION
   ============================================================ */
#site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  height: var(--header-h);
  display: flex;
  align-items: center;
  transition: background 0.3s ease, box-shadow 0.3s ease;
  background: transparent;
}
#site-header.scrolled {
  background: var(--navy);
  box-shadow: 0 2px 20px rgba(13,27,42,0.3);
}
#site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
}
.site-logo { display: flex; align-items: center; }
.site-logo img, .site-logo svg { height: 96px; width: auto; max-width: 100%; }
@media (max-width: 640px) {
  .site-logo img, .site-logo svg { height: 78px; }
}
.site-logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}
.site-logo-text strong {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.3px;
}
.site-logo-text span {
  font-size: 0.65rem;
  font-weight: 500;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gold);
}

/* Main Nav */
.main-nav { display: flex; align-items: center; gap: 4px; }
.main-nav > li { position: relative; }
.main-nav > li > a {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 10px 14px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  color: var(--white);
  border-radius: var(--radius);
  transition: var(--transition);
}
.main-nav > li > a:hover,
.main-nav > li > a.active { color: var(--teal); }
.main-nav > li > a .chevron {
  width: 12px; height: 12px;
  transition: transform 0.2s;
  opacity: 0.7;
}
.main-nav > li:hover > a .chevron { transform: rotate(180deg); }

/* Dropdown */
.dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 220px;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  border-top: 3px solid var(--teal);
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: all 0.2s ease;
  z-index: 100;
}
.main-nav > li:hover .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown li a {
  display: block;
  padding: 10px 18px;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--navy);
  transition: var(--transition);
  border-left: 3px solid transparent;
}
.dropdown li a:hover {
  background: var(--gray-100);
  color: var(--teal);
  border-left-color: var(--teal);
}
.dropdown li:first-child a { border-radius: calc(var(--radius) - 1px) calc(var(--radius) - 1px) 0 0; }
.dropdown li:last-child a  { border-radius: 0 0 var(--radius) var(--radius); }

/* Contact CTA in nav */
.nav-cta { margin-left: 12px; }

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  cursor: pointer;
  z-index: 1001;
  background: none;
  border: none;
}
.hamburger span {
  display: block;
  width: 26px;
  height: 2.5px;
  background: var(--white);
  border-radius: 2px;
  transition: transform 0.3s ease, opacity 0.3s ease;
  transform-origin: center;
}
.hamburger.open span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.open span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

/* ── Mobile Nav — drops DOWN from header ── */
.mobile-nav {
  /* Hidden by default, shown via media query as pull-down panel */
  display: block;
  position: fixed;
  top: var(--header-h);
  left: 0;
  right: 0;
  z-index: 998;
  background: var(--navy);
  overflow: hidden;
  max-height: 0;
  opacity: 0;
  visibility: hidden;
  transition: max-height 0.38s cubic-bezier(0.4,0,0.2,1),
              opacity 0.28s ease,
              visibility 0s linear 0.38s;
  /* shadow only visible when open */
  box-shadow: 0 8px 32px rgba(13,27,42,0.35);
}
.mobile-nav.open {
  max-height: calc(100vh - var(--header-h));
  opacity: 1;
  visibility: visible;
  overflow-y: auto;
  transition: max-height 0.38s cubic-bezier(0.4,0,0.2,1),
              opacity 0.28s ease,
              visibility 0s linear 0s;
  -webkit-overflow-scrolling: touch;
}
.mobile-nav-inner {
  padding: 8px 0 24px;
}
.mobile-nav > li {
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.mobile-nav > li:last-child { border-bottom: none; }
.mobile-nav > li > a {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 15px 20px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.95rem;
  font-weight: 600;
  letter-spacing: 0.3px;
  text-transform: uppercase;
  color: var(--white);
  transition: color 0.2s, background 0.2s;
}
.mobile-nav > li > a:hover,
.mobile-nav > li > a:focus { color: var(--teal); background: rgba(255,255,255,0.04); }
.mobile-nav > li > a .chevron {
  width: 14px; height: 14px;
  flex-shrink: 0;
  transition: transform 0.25s ease;
  opacity: 0.6;
}
.mobile-nav > li.open > a .chevron { transform: rotate(180deg); opacity: 1; }
.mobile-nav > li.open > a { color: var(--teal); }

/* Accordion sub-menu */
.mobile-dropdown {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
  background: rgba(0,0,0,0.15);
}
.mobile-nav > li.open .mobile-dropdown {
  max-height: 600px;
}
.mobile-dropdown li a {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 11px 20px 11px 32px;
  font-size: 0.875rem;
  font-weight: 500;
  color: rgba(255,255,255,0.65);
  transition: color 0.2s, padding-left 0.2s;
  border-left: 2px solid transparent;
}
.mobile-dropdown li a::before {
  content: '›';
  color: var(--teal);
  font-size: 1rem;
  line-height: 1;
}
.mobile-dropdown li a:hover { color: var(--teal); padding-left: 36px; }
.mobile-nav-cta {
  padding: 16px 20px 8px;
}
.mobile-nav-cta a {
  display: flex !important;
  align-items: center;
  justify-content: center;
  width: 100%;
  text-transform: none !important;
}

/* ============================================================
   PAGE HERO (inner pages)
   ============================================================ */
.page-hero {
  position: relative;
  min-height: 280px;
  display: flex;
  align-items: flex-end;
  background: var(--navy);
  overflow: hidden;
  padding-top: var(--header-h);
}
.page-hero-bg {
  position: absolute;
  inset: 0;
  object-fit: cover;
  width: 100%; height: 100%;
  opacity: 0.25;
}
.page-hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(13,27,42,0.9) 0%, rgba(13,27,42,0.6) 100%);
}
.page-hero-content {
  position: relative;
  z-index: 1;
  padding: 48px 0;
}
.page-hero-content h1 { color: var(--white); margin-bottom: 8px; }
.page-hero-content .breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  color: var(--gray-400);
}
.page-hero-content .breadcrumb a { color: var(--teal); }
.page-hero-content .breadcrumb a:hover { color: var(--gold); }
.page-hero-content .breadcrumb .sep { opacity: 0.5; }

/* ============================================================
   HOMEPAGE HERO
   ============================================================ */
.home-hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  background: var(--navy);
  overflow: hidden;
}
.home-hero-bg {
  position: absolute;
  inset: 0;
  object-fit: cover;
  width: 100%; height: 100%;
  opacity: 0.15;
}
.home-hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(13,27,42,0.96) 40%, rgba(13,27,42,0.7) 100%);
}
.home-hero-content {
  position: relative;
  z-index: 1;
  padding-top: var(--header-h);
  max-width: 680px;
}
.home-hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(26,188,172,0.15);
  border: 1px solid rgba(26,188,172,0.3);
  border-radius: 100px;
  padding: 6px 16px;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 24px;
}
.home-hero-eyebrow .dot {
  width: 6px; height: 6px;
  background: var(--teal);
  border-radius: 50%;
}
.home-hero-content h1 {
  color: var(--white);
  margin-bottom: 20px;
  font-size: clamp(2.2rem, 5vw, 3.5rem);
}
.home-hero-content h1 span { color: var(--teal); }
.home-hero-content .hero-subtitle {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.75);
  margin-bottom: 12px;
  font-weight: 400;
}
.home-hero-content .hero-regions {
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--gold);
  font-weight: 600;
  font-size: 0.9rem;
  letter-spacing: 0.5px;
  margin-bottom: 36px;
}
.home-hero-content .hero-regions .sep { color: rgba(255,255,255,0.3); font-weight: 300; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }

/* ============================================================
   STATS BAR
   ============================================================ */
.stats-bar {
  background: var(--teal);
  padding: 32px 0;
}
.stats-bar .container {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.stat-item { text-align: center; }
.stat-value {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.8rem, 3vw, 2.5rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1;
  margin-bottom: 6px;
}
.stat-label {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: rgba(255,255,255,0.8);
}
.stats-bar .divider {
  width: 1px;
  background: rgba(255,255,255,0.25);
  align-self: stretch;
}

/* ============================================================
   ABOUT SECTION
   ============================================================ */
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.about-logos {
  display: flex;
  align-items: center;
  gap: 32px;
  margin-bottom: 32px;
  flex-wrap: wrap;
}
.about-logos img { height: 44px; width: auto; opacity: 0.85; }
.about-features {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-top: 32px;
}
.about-feature {
  display: flex;
  gap: 14px;
  align-items: flex-start;
}
.about-feature-icon {
  width: 44px;
  height: 44px;
  background: rgba(26,188,172,0.1);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--teal);
  font-size: 1.2rem;
}
.about-feature-text h4 { font-size: 0.9rem; margin-bottom: 4px; }
.about-feature-text p { font-size: 0.82rem; color: var(--gray-600); margin: 0; }
.about-image-block { position: relative; }
.about-image-block img {
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  width: 100%;
  object-fit: cover;
  max-height: 520px;
}
.about-badge {
  position: absolute;
  bottom: -20px;
  left: -20px;
  background: var(--navy);
  border-radius: var(--radius);
  padding: 16px 20px;
  box-shadow: var(--shadow);
  min-width: 160px;
}
.about-badge .badge-num {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--gold);
  line-height: 1;
}
.about-badge .badge-text {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.7);
  margin-top: 4px;
}

/* ============================================================
   SERVICES CARDS
   ============================================================ */
.services-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.service-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-200);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--teal);
  transform: scaleX(0);
  transition: transform 0.3s ease;
}
.service-card:hover::before { transform: scaleX(1); }
.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}
.service-icon {
  width: 56px; height: 56px;
  background: rgba(26,188,172,0.1);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  color: var(--teal);
  margin-bottom: 20px;
}
.service-card h3 { font-size: 1rem; margin-bottom: 10px; }
.service-card p { font-size: 0.875rem; color: var(--gray-600); margin-bottom: 20px; }
.service-card .card-link {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--teal);
  display: flex;
  align-items: center;
  gap: 6px;
  transition: var(--transition);
}
.service-card .card-link:hover { gap: 10px; }

/* ============================================================
   REGIONAL TEAMS
   ============================================================ */
.regions-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.region-card {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  min-height: 240px;
  display: flex;
  align-items: flex-end;
  transition: var(--transition);
}
.region-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.region-card img {
  position: absolute;
  inset: 0;
  width: 100%; height: 100%;
  object-fit: cover;
  transition: transform 0.4s ease;
}
.region-card:hover img { transform: scale(1.06); }
.region-card-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(13,27,42,0.92) 0%, rgba(13,27,42,0.2) 60%);
  transition: var(--transition);
}
.region-card:hover .region-card-overlay { background: linear-gradient(to top, rgba(13,27,42,0.95) 0%, rgba(13,27,42,0.35) 60%); }
.region-card-content {
  position: relative;
  z-index: 1;
  padding: 24px 20px;
  width: 100%;
}
.region-card-content h3 {
  color: var(--white);
  font-size: 1rem;
  margin-bottom: 6px;
}
.region-card-content .agent-count {
  font-size: 0.78rem;
  color: var(--teal);
  font-weight: 600;
  letter-spacing: 0.5px;
  margin-bottom: 14px;
}
.region-placeholder {
  background: linear-gradient(135deg, var(--navy-light), var(--navy));
}

/* ============================================================
   CTA BANNER
   ============================================================ */
.cta-banner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  padding: 80px 0;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -10%;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(26,188,172,0.08) 0%, transparent 70%);
  pointer-events: none;
}
.cta-banner .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
}
.cta-banner h2 { color: var(--white); }
.cta-banner p { color: rgba(255,255,255,0.7); margin-top: 8px; margin-bottom: 0; }
.cta-actions { display: flex; gap: 16px; flex-shrink: 0; flex-wrap: wrap; }

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials { background: var(--off-white); }
.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  box-shadow: var(--shadow-sm);
  position: relative;
}
.testimonial-card::before {
  content: '\201C';
  position: absolute;
  top: 16px;
  left: 24px;
  font-size: 4rem;
  color: var(--teal);
  opacity: 0.15;
  font-family: Georgia, serif;
  line-height: 1;
}
.testimonial-text {
  font-size: 0.95rem;
  color: var(--gray-800);
  font-style: italic;
  line-height: 1.75;
  margin-bottom: 24px;
}
.testimonial-author { display: flex; align-items: center; gap: 14px; }
.testimonial-avatar {
  width: 44px; height: 44px;
  background: var(--teal);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-weight: 700;
  font-size: 1rem;
  flex-shrink: 0;
}
.testimonial-author-info strong { display: block; font-size: 0.9rem; color: var(--navy); }
.testimonial-author-info span { font-size: 0.8rem; color: var(--gray-600); }
.testimonial-stars { color: var(--gold); font-size: 0.85rem; margin-bottom: 12px; letter-spacing: 2px; }

/* ============================================================
   TEAM PAGE — AGENT CARDS
   ============================================================ */
.agents-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-top: 48px;
}
.agent-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-200);
  transition: var(--transition);
}
.agent-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}
.agent-card-photo {
  width: 100%;
  aspect-ratio: 1/1;
  object-fit: cover;
  object-position: top center;
}
.agent-card-photo-placeholder {
  width: 100%;
  aspect-ratio: 1/1;
  background: linear-gradient(135deg, var(--gray-100), var(--gray-200));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 3rem;
  color: var(--gray-400);
}
.agent-card-body { padding: 24px; }
.agent-card-body h3 { font-size: 1.05rem; margin-bottom: 4px; }
.agent-card-title {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--teal);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 14px;
}
.agent-card-phone {
  font-size: 0.85rem;
  color: var(--gray-600);
  margin-bottom: 16px;
}
.agent-card-phone a { color: var(--navy); font-weight: 600; }
.agent-card-phone a:hover { color: var(--teal); }

/* ============================================================
   AGENT PROFILE PAGE
   ============================================================ */
.agent-profile { padding: 80px 0; }
.agent-profile-grid {
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 64px;
  align-items: start;
}
.agent-profile-photo {
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  width: 100%;
  object-fit: cover;
}
.agent-profile-photo-placeholder {
  width: 100%;
  aspect-ratio: 1/1;
  border-radius: var(--radius-lg);
  background: var(--gray-100);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 5rem;
  color: var(--gray-400);
}
.agent-profile-info .agent-title-badge {
  display: inline-block;
  background: rgba(26,188,172,0.1);
  color: var(--teal);
  border: 1px solid rgba(26,188,172,0.3);
  border-radius: 100px;
  padding: 5px 14px;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.agent-contact-info {
  background: var(--off-white);
  border-radius: var(--radius);
  padding: 20px;
  margin: 24px 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.agent-contact-row {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 0.9rem;
}
.agent-contact-row .icon {
  width: 36px; height: 36px;
  background: var(--navy);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--teal);
  font-size: 0.9rem;
  flex-shrink: 0;
}
.agent-contact-row a { color: var(--navy); font-weight: 600; }
.agent-contact-row a:hover { color: var(--teal); }

/* ============================================================
   SOLUTIONS / INNER PAGE CONTENT
   ============================================================ */
.content-grid {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 56px;
  align-items: start;
}
.content-body h2 { margin-bottom: 20px; }
.content-body .lead {
  font-size: 1.1rem;
  color: var(--gray-800);
  margin-bottom: 28px;
  line-height: 1.7;
}
.feature-list { margin: 28px 0; }
.feature-list li {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 12px 0;
  border-bottom: 1px solid var(--gray-200);
}
.feature-list li:last-child { border-bottom: none; }
.feature-list .check {
  width: 24px; height: 24px;
  background: rgba(26,188,172,0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--teal);
  flex-shrink: 0;
  font-size: 0.75rem;
  margin-top: 2px;
}
.feature-list li span { font-size: 0.95rem; color: var(--gray-800); }

/* Sidebar contact form */
.sidebar-form {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow);
  border: 1px solid var(--gray-200);
  position: sticky;
  top: calc(var(--header-h) + 24px);
}
.sidebar-form h3 { margin-bottom: 6px; font-size: 1.15rem; }
.sidebar-form .form-sub {
  font-size: 0.85rem;
  color: var(--gray-600);
  margin-bottom: 24px;
}
.sidebar-form .gold-rule { margin-top: 0; }

/* ============================================================
   CONTACT FORM
   ============================================================ */
.form-group { margin-bottom: 18px; }
.form-group label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 6px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.form-group input,
.form-group textarea,
.form-group select {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius);
  font-family: inherit;
  font-size: 0.9rem;
  color: var(--text);
  background: var(--white);
  transition: var(--transition);
  outline: none;
}
.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(26,188,172,0.1);
}
.form-group textarea { resize: vertical; min-height: 110px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-message {
  padding: 12px 16px;
  border-radius: var(--radius);
  font-size: 0.875rem;
  font-weight: 500;
  display: none;
  margin-top: 14px;
}
.form-message.success { background: rgba(26,188,172,0.1); color: #0d7a6e; border: 1px solid rgba(26,188,172,0.3); display: block; }
.form-message.error   { background: rgba(205,38,38,0.08); color: #cd2626; border: 1px solid rgba(205,38,38,0.2); display: block; }

/* ============================================================
   CALCULATORS
   ============================================================ */
.calculator-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow);
  border: 1px solid var(--gray-200);
  max-width: 680px;
  margin: 0 auto;
}
.calc-result {
  background: var(--navy);
  border-radius: var(--radius);
  padding: 24px;
  text-align: center;
  margin-top: 28px;
}
.calc-result .result-label {
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
  margin-bottom: 8px;
}
.calc-result .result-value {
  font-family: 'Montserrat', sans-serif;
  font-size: 2.2rem;
  font-weight: 800;
  color: var(--teal);
  line-height: 1;
}
.calc-result .result-sub {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.5);
  margin-top: 6px;
}
.range-group { position: relative; }
.range-group input[type="range"] {
  width: 100%;
  height: 6px;
  border: none;
  padding: 0;
  accent-color: var(--teal);
  cursor: pointer;
}
.range-value {
  position: absolute;
  right: 0;
  top: -28px;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--teal);
}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: var(--navy);
  padding: 64px 0 0;
  color: rgba(255,255,255,0.7);
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand { max-width: 320px; }
.footer-brand .footer-logo { margin-bottom: 16px; }
.footer-brand .footer-logo img { width: auto !important; height: 96px !important; max-width: 100% !important; object-fit: contain !important; }
.footer-brand p { font-size: 0.875rem; line-height: 1.7; color: rgba(255,255,255,0.6); margin-bottom: 20px; }
.footer-contact-items { display: flex; flex-direction: column; gap: 10px; }
.footer-contact-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.875rem;
}
.footer-contact-item .icon { color: var(--teal); font-size: 0.9rem; flex-shrink: 0; }
.footer-contact-item a { color: rgba(255,255,255,0.8); }
.footer-contact-item a:hover { color: var(--teal); }
.footer-col h4 {
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--white);
  margin-bottom: 20px;
}
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li a {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.6);
  transition: var(--transition);
  display: flex;
  align-items: center;
  gap: 6px;
}
.footer-col ul li a:hover { color: var(--teal); padding-left: 4px; }
.footer-bottom {
  padding: 20px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.4);
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom a { color: rgba(255,255,255,0.5); }
.footer-bottom a:hover { color: var(--teal); }
.footer-bottom .powered { display: flex; align-items: center; gap: 8px; }
.footer-bottom .powered img { height: 22px; opacity: 0.6; }

/* ============================================================
   BLOG / PLACEHOLDER
   ============================================================ */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-top: 48px;
}
.blog-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-200);
  transition: var(--transition);
}
.blog-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.blog-card-img {
  width: 100%;
  height: 200px;
  object-fit: cover;
  background: var(--gray-200);
}
.blog-card-body { padding: 24px; }
.blog-tag {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 10px;
}
.blog-card-body h3 { font-size: 1rem; margin-bottom: 10px; }
.blog-card-body p { font-size: 0.875rem; color: var(--gray-600); }

/* ============================================================
   RESPONSIVE
   ============================================================ */

/* ── Desktop only: ensure mobile nav never shows ── */
@media (min-width: 901px) {
  .mobile-nav  { display: none !important; }
  .hamburger   { display: none !important; }
}

/* ── Large Tablet (≤1100px) ── */
@media (max-width: 1100px) {
  .services-grid  { grid-template-columns: repeat(2, 1fr); }
  .regions-grid   { grid-template-columns: repeat(2, 1fr); }
  .footer-grid    { grid-template-columns: 1fr 1fr; gap: 32px; }
  .about-grid     { gap: 40px; }
  .agents-grid    { grid-template-columns: repeat(3, 1fr); }
}

/* ── Tablet / Mobile Switch (≤900px) ── */
@media (max-width: 900px) {
  :root { --header-h: 90px; }

  /* Hide desktop nav, show hamburger */
  .main-nav  { display: none !important; }
  .nav-cta   { display: none !important; }
  .hamburger { display: flex; }
  .site-logo img, .site-logo svg { height: 70px; }

  /* Mobile nav is now visible at this breakpoint (height controlled by .open) */
  .mobile-nav { display: block; }

  /* Header always solid on mobile */
  #site-header { background: var(--navy) !important; box-shadow: 0 2px 16px rgba(13,27,42,0.3); }

  /* Layout fixes */
  .about-grid           { grid-template-columns: 1fr; gap: 32px; }
  .about-image-block    { order: -1; }
  .about-badge          { display: none; }
  .content-grid         { grid-template-columns: 1fr; }
  .agent-profile-grid   { grid-template-columns: 1fr; }
  .agent-profile-grid .agent-photo-col { max-width: 300px; margin: 0 auto; }

  /* CTA banner stacks */
  .cta-banner .container { flex-direction: column; text-align: center; gap: 24px; }
  .cta-actions           { justify-content: center; flex-wrap: wrap; }

  /* Stats bar 3-col still works, but smaller padding */
  .stats-bar { padding: 24px 0; }
  .stats-bar .container { gap: 0; }
  .stat-item { padding: 16px 8px; border-right: 1px solid rgba(255,255,255,0.2); }
  .stat-item:last-child { border-right: none; }

  /* Sidebar form becomes inline on tablet */
  .sidebar-form { position: static; }

  /* Blog grid → 2 cols */
  .blog-grid { grid-template-columns: repeat(2, 1fr); }

  /* Agents 2-col on tablet */
  .agents-grid { grid-template-columns: repeat(2, 1fr); gap: 20px; }

  /* Footer 2-col */
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

/* ── Mobile (≤640px) ── */
@media (max-width: 640px) {
  :root { --header-h: 60px; }

  .container { padding: 0 16px; }
  .section    { padding: 48px 0; }
  .section-lg { padding: 64px 0; }

  /* Typography scale down */
  h1 { font-size: 1.9rem; }
  h2 { font-size: 1.5rem; }

  /* Hero */
  .home-hero         { min-height: 100svh; }
  .home-hero-content {
    text-align: center;
    padding-top: calc(var(--header-h) + 24px);
    padding-bottom: 40px;
  }
  .hero-actions  { justify-content: center; flex-direction: column; align-items: center; }
  .hero-actions .btn { width: 100%; max-width: 320px; justify-content: center; }
  .hero-regions  { justify-content: center; flex-wrap: wrap; gap: 8px; }
  .home-hero-eyebrow { font-size: 0.7rem; }

  /* Page hero smaller */
  .page-hero { min-height: 180px; }
  .page-hero-content { padding: 32px 0; }
  .page-hero-content h1 { font-size: 1.6rem; }

  /* Stats → single column pill style */
  .stats-bar .container {
    grid-template-columns: 1fr;
    gap: 0;
  }
  .stat-item {
    padding: 16px;
    border-right: none;
    border-bottom: 1px solid rgba(255,255,255,0.15);
  }
  .stat-item:last-child { border-bottom: none; }
  .stat-value { font-size: 2rem; }

  /* About features 1-col */
  .about-features { grid-template-columns: 1fr; gap: 16px; }

  /* Services 1-col */
  .services-grid  { grid-template-columns: 1fr; gap: 16px; }

  /* Regions 1-col */
  .regions-grid   { grid-template-columns: 1fr; gap: 16px; }
  .region-card    { min-height: 200px; }

  /* Agents 1-col */
  .agents-grid    { grid-template-columns: 1fr; gap: 20px; }

  /* Grid utilities */
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }

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

  /* Blog → 1-col */
  .blog-grid { grid-template-columns: 1fr; }

  /* CTA buttons full width */
  .cta-actions .btn { width: 100%; max-width: 320px; justify-content: center; }

  /* Footer 1-col */
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .footer-brand { max-width: 100%; }

  /* Calculator payment grid */
  .calc-result { padding: 16px; }
  .calc-result .result-value { font-size: 1.6rem; }
  .payment-results { grid-template-columns: 1fr !important; gap: 12px !important; }
  .payment-results .calc-result .result-value { font-size: 1.4rem !important; }

  /* Agent profile */
  .agent-profile { padding: 48px 0; }
  .agent-contact-info { flex-direction: column; }

  /* Content grid (solutions) */
  .content-grid { gap: 32px; }

  /* Testimonials */
  .testimonial-card { padding: 24px 20px; }
}

/* ── Very Small (≤380px) ── */
@media (max-width: 380px) {
  :root { --header-h: 76px; }
  .container { padding: 0 12px; }
  h1 { font-size: 1.65rem; }
  .btn-lg { padding: 13px 24px; font-size: 0.9rem; }
  .site-logo img, .site-logo svg { height: 56px; }
}