/* ═══════════════════════════════════════════════════════════
   REVERSE MORTGAGE LANDING PAGE — Mike Brouse
   Design System & Global Styles
═══════════════════════════════════════════════════════════ */

/* ── RESET & BASE ── */
*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

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

body {
  font-family: 'Inter', system-ui, sans-serif;
  background: #f8f7f5;
  color: #1a1a2e;
  line-height: 1.6;
  overflow-x: clip;
  width: 100%;
}

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

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

/* ── TOKENS ── */
:root {
  --navy: #0f2447;
  --navy-mid: #1a3a6e;
  --navy-light: #1e4d8c;
  --gold: #c9943a;
  --gold-light: #e8b457;
  --cream: #faf8f4;
  --muted: #667085;
  --border: rgba(0, 0, 0, .09);
  --white: #ffffff;
  --shadow-sm: 0 1px 3px rgba(0, 0, 0, .08), 0 1px 2px rgba(0, 0, 0, .05);
  --shadow-md: 0 4px 16px rgba(0, 0, 0, .1), 0 2px 6px rgba(0, 0, 0, .07);
  --shadow-lg: 0 20px 60px rgba(0, 0, 0, .15), 0 8px 24px rgba(0, 0, 0, .1);
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 22px;
  --transition: 0.28s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ── UTILITIES ── */
.container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
}

.section {
  padding: 96px 0;
}

/* ── BUTTONS ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: inherit;
  font-weight: 600;
  cursor: pointer;
  border: 2px solid transparent;
  border-radius: 52px;
  transition: var(--transition);
  white-space: nowrap;
  text-align: center;
  line-height: 1;
}

.btn svg {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
}

.btn-primary {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  color: var(--navy);
  padding: 14px 28px;
  font-size: 0.95rem;
  box-shadow: 0 4px 20px rgba(201, 148, 58, .35);
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(201, 148, 58, .5);
  background: linear-gradient(135deg, var(--gold-light) 0%, #f0c874 100%);
}

.btn-outline {
  border-color: var(--navy);
  color: var(--navy);
  background: transparent;
  padding: 12px 24px;
  font-size: 0.9rem;
}

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

.btn-ghost {
  border-color: rgba(255, 255, 255, .5);
  color: var(--white);
  background: rgba(255, 255, 255, .1);
  backdrop-filter: blur(8px);
  padding: 14px 28px;
  font-size: 0.95rem;
}

.btn-ghost:hover {
  background: rgba(255, 255, 255, .2);
  border-color: var(--white);
}

.btn-lg {
  padding: 17px 36px;
  font-size: 1rem;
}

.btn-xl {
  padding: 18px 42px;
  font-size: 1.05rem;
}

.btn-md {
  padding: 12px 28px;
  font-size: 0.9rem;
}

.btn-calc {
  padding: 17px 40px;
  font-size: 1rem;
  width: 100%;
  justify-content: center;
  margin-top: 8px;
}

/* ── SECTION LABELS & TITLES ── */
.section-label {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--gold);
  background: rgba(201, 148, 58, .1);
  border: 1px solid rgba(201, 148, 58, .25);
  border-radius: 52px;
  padding: 6px 14px;
  margin-bottom: 16px;
}

.section-title {
  font-family: 'Merriweather', Georgia, serif;
  font-size: clamp(1.75rem, 3.5vw, 2.4rem);
  color: var(--navy);
  line-height: 1.28;
  margin-bottom: 16px;
}

.section-subtitle {
  font-size: 1.05rem;
  color: var(--muted);
  max-width: 580px;
  line-height: 1.7;
}

/* ════════════════════════════════════
   NAVBAR
════════════════════════════════════ */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(15, 36, 71, 0.96);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(255, 255, 255, .08);
  transition: var(--transition);
  width: 100%;
}

.navbar.scrolled {
  background: rgba(15, 36, 71, 0.99);
  box-shadow: var(--shadow-md);
}

.nav-inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
  height: 68px;
  display: flex;
  align-items: center;
  gap: 24px;
  width: 100%;
}

.nav-brand {
  font-family: 'Merriweather', Georgia, serif;
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: -.02em;
  flex-shrink: 0;
}

.nav-links {
  display: flex;
  gap: 4px;
  margin-left: auto;
}

.nav-links a {
  color: rgba(255, 255, 255, .75);
  font-size: 0.88rem;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: 8px;
  transition: var(--transition);
}

.nav-links a:hover {
  color: var(--white);
  background: rgba(255, 255, 255, .08);
}

.nav-cta {
  border-color: var(--gold);
  color: var(--gold);
  background: transparent;
  padding: 9px 18px;
  font-size: 0.85rem;
  flex-shrink: 0;
}

.nav-cta:hover {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}

.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}

.nav-hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition);
}

/* ════════════════════════════════════
   HERO
════════════════════════════════════ */
.hero {
  position: relative;
  height: 100vh;
  min-height: 640px;
  max-height: 880px;
  display: flex;
  align-items: center;
  background: url('hero_couple.jpg') center center / cover no-repeat;
  padding-top: 70px;
  overflow: hidden;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(110deg,
      rgba(10, 22, 50, 0.88) 0%,
      rgba(10, 22, 50, 0.70) 50%,
      rgba(10, 22, 50, 0.25) 100%);
}

.hero-content {
  position: relative;
  max-width: 660px;
  margin: 0 auto;
  padding: 0 24px;
  z-index: 2;
  width: 100%;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--gold-light);
  border: 1px solid rgba(201, 148, 58, .4);
  background: rgba(201, 148, 58, .1);
  backdrop-filter: blur(8px);
  border-radius: 52px;
  padding: 7px 16px;
  margin-bottom: 24px;
  animation: fadeInUp .6s ease both;
}

.hero-headline {
  font-family: 'Merriweather', Georgia, serif;
  font-size: clamp(2.4rem, 5.5vw, 4rem);
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 20px;
  animation: fadeInUp .7s .1s ease both;
}

.hero-sub {
  font-size: clamp(1rem, 1.8vw, 1.2rem);
  color: rgba(255, 255, 255, .82);
  line-height: 1.65;
  margin-bottom: 36px;
  animation: fadeInUp .7s .2s ease both;
}

.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 40px;
  animation: fadeInUp .7s .3s ease both;
}

.hero-trust {
  display: flex;
  flex-direction: column;
  gap: 10px;
  animation: fadeInUp .7s .4s ease both;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.88rem;
  color: rgba(255, 255, 255, .8);
  font-weight: 500;
}

.trust-item svg {
  width: 16px;
  height: 16px;
  color: var(--gold-light);
  flex-shrink: 0;
}

.hero-scroll-hint {
  position: absolute;
  bottom: 32px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  z-index: 2;
  animation: fadeIn 1s 1s ease both;
}

.scroll-line {
  width: 1.5px;
  height: 40px;
  background: linear-gradient(to bottom, rgba(255, 255, 255, .6), transparent);
  animation: scrollPulse 2s ease-in-out infinite;
}

.hero-scroll-hint span {
  font-size: 0.7rem;
  color: rgba(255, 255, 255, .5);
  letter-spacing: .1em;
  text-transform: uppercase;
}

/* ════════════════════════════════════
   TRUST BAR
════════════════════════════════════ */
.trust-bar {
  background: var(--navy);
  padding: 32px 0;
  position: relative;
}

.trust-bar::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}

.trust-bar-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  flex-wrap: wrap;
}

.trust-stat {
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 8px 40px;
  position: relative;
}

.trust-divider {
  width: 1px;
  height: 48px;
  background: rgba(255, 255, 255, .12);
}

.trust-num {
  font-family: 'Merriweather', Georgia, serif;
  font-size: 2.2rem;
  font-weight: 700;
  color: var(--white);
  line-height: 1;
}

.trust-plus {
  font-size: 1.4rem;
  color: var(--gold);
  font-weight: 700;
  line-height: 1;
}

.trust-dollar {
  font-size: 1.4rem;
  color: var(--gold);
  font-weight: 700;
  line-height: 1;
}

.trust-label {
  font-size: 0.78rem;
  color: rgba(255, 255, 255, .55);
  text-transform: uppercase;
  letter-spacing: .08em;
  margin-top: 6px;
  font-weight: 500;
}

.trust-stat {
  display: flex;
  flex-direction: row;
  flex-wrap: wrap;
  justify-content: center;
}

.trust-stat {
  flex-direction: column;
  align-items: center;
}

/* ════════════════════════════════════
   ABOUT SECTION
════════════════════════════════════ */
.about-section {
  background: var(--cream);
  text-align: center;
}

.about-card {
  display: flex;
  align-items: center;
  gap: 40px;
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 44px 52px;
  margin-top: 48px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
  text-align: left;
  position: relative;
  overflow: hidden;
}

.about-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--navy) 0%, var(--gold) 100%);
}

.about-photo-wrapper {
  position: relative;
  flex-shrink: 0;
}

.about-photo {
  width: 124px;
  height: 124px;
  border-radius: 50%;
  object-fit: cover;
  object-position: top center;
  border: 4px solid var(--white);
  box-shadow: 0 8px 24px rgba(0, 0, 0, .15);
}

.about-photo-badge {
  position: absolute;
  bottom: -6px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  align-items: center;
  gap: 5px;
  background: var(--navy);
  color: var(--white);
  font-size: 0.68rem;
  font-weight: 600;
  padding: 5px 10px;
  border-radius: 52px;
  white-space: nowrap;
  box-shadow: var(--shadow-sm);
}

.about-photo-badge svg {
  width: 12px;
  height: 12px;
  color: var(--gold);
}

.about-info {
  flex: 1;
}

.about-name {
  font-family: 'Merriweather', Georgia, serif;
  font-size: 1.5rem;
  color: var(--navy);
  margin-bottom: 4px;
}

.about-title {
  color: var(--gold);
  font-weight: 600;
  font-size: 0.9rem;
  margin-bottom: 16px;
}

.about-details {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.about-detail-row {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.88rem;
  color: var(--muted);
}

.about-detail-row svg {
  width: 15px;
  height: 15px;
  flex-shrink: 0;
  color: var(--navy);
}

.about-cta {
  flex-shrink: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
}

.about-cta-note {
  font-size: 0.76rem;
  color: var(--muted);
  text-align: center;
}

.specialist-video-section {
  background: var(--white);
  padding-top: 24px;
}

.specialist-video-layout {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 28px;
  align-items: center;
}

.specialist-video-copy .section-title {
  margin-bottom: 12px;
}

.specialist-video-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 12px;
  box-shadow: var(--shadow-md);
}

/* ════════════════════════════════════
   WHY SECTION
════════════════════════════════════ */
.why-section {
  background: var(--white);
}

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 52px;
}

.benefit-card {
  background: var(--cream);
  border-radius: var(--radius-md);
  padding: 40px 32px;
  border: 1px solid var(--border);
  position: relative;
  transition: var(--transition);
  cursor: default;
  overflow: hidden;
}

.benefit-card::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(15, 36, 71, .03), transparent);
  opacity: 0;
  transition: var(--transition);
}

.benefit-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(201, 148, 58, .3);
}

.benefit-card:hover::after {
  opacity: 1;
}

.benefit-icon {
  width: 72px;
  height: 72px;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
}

.benefit-icon svg {
  width: 42px;
  height: 42px;
}

.benefit-icon--cash {
  background: rgba(15, 36, 71, .07);
}

.benefit-icon--cash svg {
  stroke: var(--navy);
}

.benefit-icon--home {
  background: rgba(201, 148, 58, .1);
}

.benefit-icon--home svg {
  stroke: var(--gold);
}

.benefit-icon--shield {
  background: rgba(30, 77, 140, .1);
}

.benefit-icon--shield svg {
  stroke: var(--navy-light);
}

.benefit-title {
  font-family: 'Merriweather', Georgia, serif;
  font-size: 1.15rem;
  color: var(--navy);
  margin-bottom: 12px;
}

.benefit-desc {
  font-size: 0.9rem;
  color: var(--muted);
  line-height: 1.7;
}

.benefit-tag {
  display: inline-block;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--gold);
  background: rgba(201, 148, 58, .1);
  border: 1px solid rgba(201, 148, 58, .25);
  border-radius: 52px;
  padding: 4px 10px;
  margin-top: 16px;
}

/* ════════════════════════════════════
   CALCULATOR SECTION
════════════════════════════════════ */
.calc-section {
  background: linear-gradient(160deg, #eef3fc 0%, #f5f0e8 100%);
  position: relative;
  overflow: hidden;
}

.calc-section::before {
  content: '';
  position: absolute;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(15, 36, 71, .04), transparent 70%);
  top: -200px;
  right: -200px;
  pointer-events: none;
}

.calc-wrapper {
  max-width: 780px;
  margin: 0 auto;
  text-align: center;
}

.calc-header {
  margin-bottom: 48px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.calc-header .section-subtitle {
  text-align: center;
  margin: 0 auto;
}

.calc-form {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 48px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
}

.calc-fields {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-bottom: 24px;
}

.field-group {
  display: flex;
  flex-direction: column;
  gap: 8px;
  text-align: left;
}

.field-label {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--navy);
  letter-spacing: .02em;
}

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

.input-prefix {
  position: absolute;
  left: 14px;
  color: var(--muted);
  font-weight: 500;
  font-size: 0.95rem;
  pointer-events: none;
  z-index: 1;
}

.field-input {
  width: 100%;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 12px 14px;
  font-size: 0.95rem;
  font-family: inherit;
  color: var(--navy);
  background: var(--cream);
  transition: var(--transition);
  -webkit-appearance: none;
  appearance: none;
}

.field-input:focus {
  outline: none;
  border-color: var(--navy-light);
  box-shadow: 0 0 0 3px rgba(30, 77, 140, .1);
  background: var(--white);
}

input[type="number"] {
  -moz-appearance: textfield;
}

input[type="number"]::-webkit-inner-spin-button,
input[type="number"]::-webkit-outer-spin-button {
  -webkit-appearance: none;
}

.input-wrapper:has(.input-prefix) .field-input {
  padding-left: 28px;
}

.spinner-btns {
  position: absolute;
  right: 4px;
  display: flex;
  flex-direction: column;
  gap: 1px;
}

.spin-btn {
  background: none;
  border: none;
  cursor: pointer;
  font-size: 0.55rem;
  color: var(--muted);
  padding: 3px 6px;
  line-height: 1;
  border-radius: 4px;
  transition: var(--transition);
}

.spin-btn:hover {
  background: rgba(0, 0, 0, .05);
  color: var(--navy);
}

.process-section {
  background: var(--white);
}

.process-grid,
.faq-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}

.process-step,
.faq-item {
  background: var(--cream);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 30px;
}

.process-number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold-light);
  font-weight: 800;
  font-size: 0.82rem;
  margin-bottom: 18px;
}

.process-step h3,
.faq-item h3 {
  font-family: 'Merriweather', Georgia, serif;
  font-size: 1.05rem;
  color: var(--navy);
  margin-bottom: 10px;
}

.process-step p,
.faq-item p {
  color: var(--muted);
  font-size: 0.92rem;
  line-height: 1.7;
}

.faq-section {
  background: var(--white);
}

.video-section {
  background: linear-gradient(160deg, #f7f5f1 0%, #eef2fb 100%);
}

.video-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 24px;
  margin-top: 44px;
}

.video-grid--single {
  grid-template-columns: 1fr;
  max-width: 780px;
  margin-left: auto;
  margin-right: auto;
}

.video-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: 12px;
}

.video-frame-wrap {
  position: relative;
  width: 100%;
  padding-top: 56.25%;
  border-radius: 14px;
  overflow: hidden;
  background: #0b1831;
}

.video-frame-wrap iframe {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  border: 0;
}

.video-fallback-note {
  margin-top: 10px;
  text-align: center;
  font-size: 0.78rem;
  color: var(--muted);
}

.video-fallback-note a {
  color: var(--navy);
  text-decoration: underline;
  text-underline-offset: 2px;
}

.video-fallback-note a:hover {
  color: var(--navy-light);
}

.video-link-wrap {
  position: relative;
  display: block;
  width: 100%;
  border-radius: 14px;
  overflow: hidden;
  background: #0b1831;
  aspect-ratio: 16 / 9;
}

.video-link-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.video-link-overlay {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 10px;
  background: linear-gradient(180deg, rgba(8, 20, 43, .2), rgba(8, 20, 43, .58));
  transition: var(--transition);
}

.video-link-wrap:hover .video-link-overlay {
  background: linear-gradient(180deg, rgba(8, 20, 43, .1), rgba(8, 20, 43, .48));
}

.video-play-btn {
  width: 66px;
  height: 66px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: rgba(255, 255, 255, .95);
  color: var(--navy);
  box-shadow: var(--shadow-md);
}

.video-play-btn svg {
  width: 30px;
  height: 30px;
  margin-left: 2px;
}

.video-link-text {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: rgba(15, 36, 71, .88);
  border: 1px solid rgba(255, 255, 255, .3);
  color: var(--white);
  border-radius: 999px;
  padding: 8px 14px;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: .01em;
}

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

.compliance-section {
  background: var(--navy);
  color: rgba(255, 255, 255, .68);
  padding: 28px 0;
}

.compliance-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
}

.compliance-inner p {
  font-size: 0.78rem;
  line-height: 1.7;
}

.compliance-inner strong {
  color: var(--white);
}

/* ════════════════════════════════════
   TESTIMONIAL CAROUSEL
════════════════════════════════════ */
.testimonial-section {
  background: var(--cream);
  overflow: clip;
}

/* Outer wrapper — positions arrows */
.carousel-wrapper {
  position: relative;
  margin-top: 52px;
  padding: 0 64px;
  /* space for arrows */
}

/* Arrow buttons */
.carousel-arrow {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  z-index: 10;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--white);
  border: 1.5px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  box-shadow: var(--shadow-md);
  transition: var(--transition);
  color: var(--navy);
}

.carousel-arrow svg {
  width: 20px;
  height: 20px;
}

.carousel-arrow:hover {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
  transform: translateY(-50%) scale(1.08);
}

.carousel-arrow--prev {
  left: 0;
}

.carousel-arrow--next {
  right: 0;
}

/* Clip & track */
.carousel-track-clip {
  overflow: hidden;
  border-radius: var(--radius-lg);
}

.carousel-track {
  display: flex;
  gap: 24px;
  transition: transform .55s cubic-bezier(0.4, 0, 0.2, 1);
  will-change: transform;
}

/* Individual card */
.tc-card {
  flex: 0 0 calc(33.333% - 16px);
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 36px 32px 32px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  position: relative;
  overflow: hidden;
  transition: box-shadow var(--transition), transform var(--transition);
  display: flex;
  flex-direction: column;
  gap: 16px;
  min-height: 260px;
}

.tc-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

/* Decorative quote glyph */
.tc-quote-glyph {
  position: absolute;
  top: 12px;
  right: 20px;
  font-family: 'Merriweather', Georgia, serif;
  font-size: 5rem;
  line-height: 1;
  color: var(--gold);
  opacity: .12;
  pointer-events: none;
  user-select: none;
}

/* Stars */
.tc-card .stars {
  display: flex;
  gap: 4px;
}

.tc-card .stars svg {
  width: 16px;
  height: 16px;
  color: var(--gold);
}

/* Quote text */
.tc-text {
  font-size: 0.94rem;
  color: #3a3a4a;
  line-height: 1.78;
  font-style: italic;
  flex: 1;
}

/* Author row */
.tc-author {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-top: auto;
  padding-top: 16px;
  border-top: 1px solid var(--border);
}

.tc-avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white);
  font-size: 1rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-family: 'Merriweather', Georgia, serif;
}

.tc-name {
  font-size: 0.87rem;
  font-weight: 700;
  color: var(--navy);
  font-style: normal;
  display: flex;
  flex-direction: column;
  gap: 2px;
  line-height: 1.3;
}

.tc-name span {
  font-weight: 400;
  color: var(--muted);
  font-size: 0.78rem;
}

/* Dots */
.carousel-dots {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-top: 28px;
}

.carousel-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #d0cdc7;
  border: none;
  cursor: pointer;
  transition: var(--transition);
  padding: 0;
}

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

.carousel-dot:hover:not(.active) {
  background: var(--gold);
}

/* Progress bar */
.carousel-progress {
  height: 2px;
  background: rgba(0, 0, 0, .08);
  border-radius: 2px;
  margin-top: 12px;
  overflow: hidden;
}

.carousel-progress-bar {
  height: 100%;
  background: linear-gradient(90deg, var(--navy), var(--gold));
  border-radius: 2px;
  transition: width .12s linear;
  width: 0%;
}

/* ── Responsive carousel ── */
@media (max-width: 900px) {
  .tc-card {
    flex: 0 0 calc(50% - 12px);
  }
}

@media (max-width: 580px) {
  .carousel-wrapper {
    padding: 0 48px;
  }

  .tc-card {
    flex: 0 0 100%;
  }

  .carousel-arrow {
    width: 40px;
    height: 40px;
  }
}



/* ════════════════════════════════════
   ANIMATIONS
════════════════════════════════════ */
@keyframes fadeInUp {
  from {
    opacity: 0;
    transform: translateY(22px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes fadeIn {
  from {
    opacity: 0;
  }

  to {
    opacity: 1;
  }
}

@keyframes scrollPulse {

  0%,
  100% {
    transform: scaleY(1);
    opacity: .6;
  }

  50% {
    transform: scaleY(1.2);
    opacity: 1;
  }
}

.observe-animate {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity .6s ease, transform .6s ease;
}

.observe-animate.in-view {
  opacity: 1;
  transform: translateY(0);
}

/* ════════════════════════════════════
   RESPONSIVE
════════════════════════════════════ */
@media (max-width: 1024px) {
  .benefits-grid {
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
  }

  .process-grid {
    gap: 18px;
  }

  .testimonial-grid {
    grid-template-columns: 1fr 1fr;
  }

  .testimonial-card--featured {
    grid-column: 1 / -1;
    flex-direction: row;
  }

  .testimonial-photo-wrap {
    height: auto;
    width: 260px;
    flex-shrink: 0;
  }

  .about-card {
    gap: 32px;
    padding: 36px 40px;
  }

}

@media (max-width: 768px) {
  .section {
    padding: 72px 0;
  }

  .nav-links {
    display: none;
    position: absolute;
    top: 68px;
    left: 0;
    right: 0;
    background: var(--navy);
    padding: 16px 24px 24px;
    flex-direction: column;
    gap: 4px;
    border-top: 1px solid rgba(255, 255, 255, .08);
  }

  .nav-links.open {
    display: flex;
  }

  .nav-hamburger {
    display: flex;
  }

  .nav-cta {
    display: none;
  }

  .benefits-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .specialist-video-layout {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .process-grid,
  .faq-grid,
  .compliance-inner {
    grid-template-columns: 1fr;
  }

  .video-grid {
    grid-template-columns: 1fr;
    gap: 18px;
    margin-top: 36px;
  }

  .calc-fields {
    grid-template-columns: 1fr;
  }

  .about-card {
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: 36px 28px;
  }

  .about-details {
    align-items: center;
  }

  .about-detail-row {
    justify-content: center;
  }

  .testimonial-grid {
    grid-template-columns: 1fr;
  }

  .testimonial-card--featured {
    flex-direction: column;
  }

  .testimonial-photo-wrap {
    width: 100%;
    height: 220px;
  }


  .trust-bar-inner {
    gap: 0;
  }

  .trust-divider {
    display: none;
  }

  .trust-stat {
    padding: 14px 24px;
  }

  .calc-form {
    padding: 32px 24px;
  }
}

@media (max-width: 480px) {
  .hero-actions {
    flex-direction: column;
  }

  .hero-actions .btn {
    width: 100%;
    justify-content: center;
  }


  .trust-bar-inner {
    flex-wrap: wrap;
  }

  .trust-stat {
    width: 50%;
  }

  .specialist-video-section {
    padding-top: 0;
  }

  .specialist-video-card {
    padding: 10px;
  }

  .video-card {
    padding: 10px;
  }

  .video-play-btn {
    width: 58px;
    height: 58px;
  }

  .video-link-text {
    font-size: 0.78rem;
    padding: 7px 12px;
  }
}

/* ════════════════════════════════════
   WIZARD MODAL
════════════════════════════════════ */
.wiz-backdrop {
  position: fixed;
  inset: 0;
  z-index: 2000;
  background: rgba(10, 18, 40, 0.62);
  backdrop-filter: blur(6px);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  opacity: 0;
  pointer-events: none;
  transition: opacity .3s ease;
}

.wiz-backdrop.open {
  opacity: 1;
  pointer-events: all;
}

.wiz-modal {
  background: var(--white);
  border-radius: 20px;
  width: 100%;
  max-width: 640px;
  max-height: 90vh;
  overflow-y: auto;
  box-shadow: 0 32px 80px rgba(0, 0, 0, .28);
  transform: translateY(32px) scale(.97);
  transition: transform .35s cubic-bezier(0.34, 1.56, 0.64, 1);
  scrollbar-width: thin;
}

.wiz-backdrop.open .wiz-modal {
  transform: translateY(0) scale(1);
}

/* Header */
.wiz-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 28px;
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  background: var(--white);
  z-index: 1;
  border-radius: 20px 20px 0 0;
}

.wiz-brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: -.01em;
}

.wiz-brand svg {
  width: 18px;
  height: 18px;
  stroke: var(--gold);
}

.wiz-close {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--cream);
  border: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  transition: var(--transition);
}

.wiz-close svg {
  width: 18px;
  height: 18px;
}

.wiz-close:hover {
  background: var(--navy);
  color: var(--white);
}

/* Progress */
.wiz-progress-wrap {
  height: 4px;
  background: #e8e4de;
  overflow: hidden;
}

.wiz-progress-bar {
  height: 100%;
  background: linear-gradient(90deg, var(--navy), var(--gold));
  transition: width .45s cubic-bezier(0.4, 0, 0.2, 1);
  width: 0%;
}

/* Body & steps */
.wiz-body {
  padding: 40px 44px 36px;
}

.wiz-step {
  display: none;
  animation: fadeInUp .3s ease;
}

.wiz-step.active {
  display: block;
}

.wiz-step-num {
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: .08em;
  text-transform: uppercase;
  margin-bottom: 10px;
}

.wiz-question {
  font-family: 'Merriweather', Georgia, serif;
  font-size: clamp(1.3rem, 3vw, 1.7rem);
  color: var(--navy);
  line-height: 1.3;
  margin-bottom: 28px;
}

/* Option buttons */
.wiz-options {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 24px;
}

.wiz-opt {
  width: 100%;
  padding: 18px 24px;
  border: 1.5px solid #d8d4ce;
  border-radius: 12px;
  background: var(--white);
  font-family: inherit;
  font-size: 0.97rem;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  text-align: center;
  transition: var(--transition);
}

.wiz-opt:hover {
  border-color: var(--navy);
  background: var(--cream);
  transform: translateX(4px);
}

.wiz-opt.selected {
  border-color: var(--navy);
  background: var(--navy);
  color: var(--white);
  transform: translateX(4px);
}

/* Slider */
.wiz-slider-box {
  background: var(--cream);
  border: 1.5px solid var(--border);
  border-radius: 12px;
  padding: 20px 24px 24px;
  margin-bottom: 28px;
}

.wiz-slider-label {
  display: flex;
  flex-direction: column;
  gap: 4px;
  margin-bottom: 14px;
}

.wiz-slider-prefix {
  font-size: 0.75rem;
  color: var(--muted);
  font-weight: 500;
}

.wiz-slider-val {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--navy);
  font-family: 'Merriweather', Georgia, serif;
}

.wiz-slider-range-labels {
  display: flex;
  justify-content: space-between;
  font-size: 0.76rem;
  color: var(--muted);
  margin-bottom: 6px;
  font-weight: 500;
}

.wiz-slider {
  width: 100%;
  -webkit-appearance: none;
  appearance: none;
  height: 4px;
  border-radius: 4px;
  background: linear-gradient(to right, var(--navy) 0%, var(--navy) var(--slider-pct, 19%), #d8d4ce var(--slider-pct, 19%), #d8d4ce 100%);
  outline: none;
  cursor: pointer;
}

.wiz-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--navy);
  border: 3px solid var(--white);
  box-shadow: 0 2px 8px rgba(0, 0, 0, .2);
  cursor: pointer;
  transition: transform .2s ease;
}

.wiz-slider::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}

.wiz-slider::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--navy);
  border: 3px solid var(--white);
  box-shadow: 0 2px 8px rgba(0, 0, 0, .2);
  cursor: pointer;
}

/* Continue button */
.wiz-continue {
  display: block;
  width: 100%;
  padding: 17px 24px;
  border-radius: 52px;
  background: var(--navy);
  color: var(--white);
  font-family: inherit;
  font-size: 1rem;
  font-weight: 700;
  border: none;
  cursor: pointer;
  text-align: center;
  text-decoration: none;
  transition: var(--transition);
  margin-bottom: 12px;
  letter-spacing: -.01em;
}

.wiz-continue:hover {
  background: var(--navy-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(15, 36, 71, .25);
}

.wiz-continue--disabled {
  background: #c4bfb8;
  cursor: not-allowed;
}

.wiz-continue--disabled:hover {
  background: #c4bfb8;
  transform: none;
  box-shadow: none;
}

/* Back button */
.wiz-back {
  display: flex;
  align-items: center;
  gap: 6px;
  background: none;
  border: none;
  font-family: inherit;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--muted);
  cursor: pointer;
  margin: 8px auto 0;
  padding: 6px 12px;
  border-radius: 8px;
  transition: var(--transition);
}

.wiz-back svg {
  width: 16px;
  height: 16px;
}

.wiz-back:hover {
  color: var(--navy);
  background: var(--cream);
}

.wiz-back--close {
  color: var(--muted);
}

/* Mortgage follow-up input */
.wiz-mortgage-input {
  margin-top: 16px;
}

.wiz-field-label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 8px;
}

.wiz-input-wrap {
  position: relative;
  margin-bottom: 16px;
}

.wiz-input-prefix {
  position: absolute;
  left: 16px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--muted);
  font-weight: 500;
  pointer-events: none;
}

.wiz-input {
  width: 100%;
  border: 1.5px solid #d8d4ce;
  border-radius: 12px;
  padding: 16px 16px 16px 28px;
  font-size: 1rem;
  font-family: inherit;
  color: var(--navy);
  background: var(--cream);
  transition: var(--transition);
  outline: none;
}

.wiz-input:focus {
  border-color: var(--navy);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(15, 36, 71, .1);
}

.wiz-input-wrap:not(:has(.wiz-input-prefix)) .wiz-input {
  padding-left: 16px;
}

/* Contact fields */
.wiz-fields {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-bottom: 24px;
}

.wiz-field-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

/* Consent */
.wiz-consent {
  font-size: 0.74rem;
  color: var(--muted);
  text-align: center;
  line-height: 1.6;
  margin-top: 12px;
}

/* Success state */
.wiz-success {
  text-align: center;
  padding: 20px 0 10px;
}

.wiz-success-icon {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  box-shadow: 0 8px 24px rgba(15, 36, 71, .3);
}

.wiz-success-icon svg {
  width: 36px;
  height: 36px;
}

.wiz-success-title {
  font-family: 'Merriweather', Georgia, serif;
  font-size: 1.8rem;
  color: var(--navy);
  margin-bottom: 14px;
}

.wiz-success-msg {
  font-size: 0.95rem;
  color: var(--muted);
  line-height: 1.7;
  max-width: 420px;
  margin: 0 auto 28px;
}

@media (max-width: 600px) {
  .wiz-body {
    padding: 28px 24px 24px;
  }

  .wiz-header {
    padding: 16px 20px;
  }

  .wiz-question {
    font-size: 1.2rem;
  }
}