/* === RESET & BASE === */
/* Inspired by Stripe DESIGN.md — applied with Veterans Own navy/white palette */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  /* Brand — Navy replaces Stripe's purple as the primary interactive color */
  --navy:        #1a2f5a;
  --navy-dark:   #0f1f3d;
  --navy-mid:    #243669;
  --navy-heading:#0d1e3a;   /* deep navy for headings — warm, not pure black */

  /* Accent — white/silver */
  --accent:      #ffffff;
  --accent-hover:#e4ecf5;

  /* Neutrals — Stripe-style slate scale */
  --white:       #ffffff;
  --off-white:   #f6f9fc;
  --body-text:   #64748d;   /* Stripe's slate for body */
  --label-text:  #273951;   /* Stripe's dark slate for labels */
  --text:        #1c2b3a;
  --border:      #e5edf5;   /* Stripe's soft blue border */

  /* Elevation — Stripe's blue-tinted shadow system */
  --shadow-ambient:  rgba(23,23,23,0.06)   0px 3px 6px;
  --shadow-standard: rgba(23,23,23,0.08)   0px 15px 35px 0px;
  --shadow-elevated: rgba(50,50,93,0.25)   0px 30px 45px -30px,
                     rgba(0,0,0,0.10)      0px 18px 36px -18px;
  --shadow-deep:     rgba(3,3,39,0.25)     0px 14px 21px -14px,
                     rgba(0,0,0,0.10)      0px 8px 17px -8px;

  /* Stripe-style conservative radius */
  --radius-sm:   4px;
  --radius-md:   6px;
  --radius-lg:   8px;
}

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

body {
  overflow-x: hidden;
  font-family: 'Inter', sans-serif;
  font-weight: 300;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a { text-decoration: none; color: inherit; }
ul { list-style: none; }

.container {
  max-width: 1080px;
  margin: 0 auto;
  padding: 0 24px;
}

/* === TYPOGRAPHY === */
h1 {
  font-weight: 600;
  font-size: clamp(2.4rem, 5.5vw, 3.8rem);
  line-height: 1.05;
  letter-spacing: -1.6px;
  color: var(--white);
}
h2 {
  font-weight: 600;
  font-size: 2.2rem;
  line-height: 1.10;
  letter-spacing: -0.8px;
  color: var(--navy-heading);
}
h3 {
  font-weight: 600;
  font-size: 1.05rem;
  line-height: 1.25;
  letter-spacing: -0.1px;
  color: var(--navy-heading);
}
p { font-weight: 300; }

.section-header h2 { font-size: 2.4rem; letter-spacing: -1px; }

/* === BUTTONS — Stripe: 4px radius, precise padding, no pill shapes === */
.btn {
  display: inline-block;
  padding: 10px 20px;
  border-radius: var(--radius-sm);
  font-weight: 400;
  font-size: 1rem;
  line-height: 1;
  cursor: pointer;
  transition: background 0.15s ease, border-color 0.15s ease, transform 0.1s ease, box-shadow 0.15s ease;
  border: 1px solid transparent;
}
.btn:hover  { transform: scale(1.025); }
.btn:active { transform: scale(0.97); }
.btn-gold {
  background: var(--white);
  color: var(--navy);
  border-color: var(--white);
}
.btn-gold:hover {
  background: var(--accent-hover);
  border-color: var(--accent-hover);
}
.btn-navy {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-navy:hover { background: var(--navy-dark); border-color: var(--navy-dark); }
.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.45);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.10);
  border-color: rgba(255,255,255,0.75);
}
.btn-nav {
  background: var(--white);
  color: var(--navy) !important;
  padding: 8px 18px;
  font-size: 0.875rem;
  border-radius: var(--radius-sm);
}
.btn-nav:hover { background: var(--accent-hover); }
.btn-full { width: 100%; text-align: center; }

/* === NAVBAR === */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: transparent;
  border-bottom: 1px solid transparent;
  transition: background 0.3s, border-color 0.3s, box-shadow 0.3s;
}
.navbar.scrolled {
  background: var(--navy-dark);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  backdrop-filter: blur(12px);
  box-shadow: rgba(0,55,112,0.08) 0px 2px 8px;
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100px;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 40px;
}

.logo {
  font-size: 1.55rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: -0.3px;
  display: flex;
  align-items: center;
  gap: 14px;
  flex-shrink: 0;
}
.logo-img {
  height: 76px;
  width: auto;
  display: block;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 36px;
}
.nav-links a {
  color: rgba(255,255,255,0.85);
  font-size: 1.05rem;
  font-weight: 400;
  transition: color 0.15s;
}
.nav-links a:hover { color: var(--white); }

.nav-right {
  display: flex;
  align-items: center;
  gap: 20px;
}
.nav-phone {
  color: rgba(255,255,255,0.90);
  font-size: 1.1rem;
  font-weight: 600;
  letter-spacing: 0.2px;
  transition: color 0.15s;
}
.nav-phone:hover { color: var(--white); }

.hamburger {
  display: none;
  background: none;
  border: 1px solid rgba(255,255,255,0.2);
  color: var(--white);
  font-size: 0.8rem;
  font-weight: 400;
  padding: 6px 12px;
  border-radius: var(--radius-md);
  cursor: pointer;
}

.mobile-menu {
  display: none;
  flex-direction: column;
  background: var(--navy-dark);
  padding: 16px 24px 24px;
  gap: 16px;
  border-top: 1px solid rgba(255,255,255,0.06);
}
.mobile-menu.open { display: flex; }
.mobile-menu a {
  color: rgba(255,255,255,0.78);
  font-size: 0.95rem;
  font-weight: 400;
}

/* === SECTION UTILITIES === */
.section-light { background: var(--off-white); }
.section-navy  { background: var(--navy); color: var(--white); }

.section-header {
  text-align: center;
  max-width: 560px;
  margin: 0 auto 48px;
}
.section-header h2 { margin: 8px 0 12px; }
.section-header p {
  color: var(--body-text);
  font-size: 1rem;
  font-weight: 300;
}
.section-navy .section-header p { color: rgba(255,255,255,0.68); }

.section-tag {
  display: inline-block;
  background: rgba(26,47,90,0.08);
  color: var(--navy);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.8px;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: var(--radius-sm);
  border: 1px solid rgba(26,47,90,0.10);
}
.tag-gold {
  background: rgba(255,255,255,0.12);
  color: rgba(255,255,255,0.88);
  border-color: rgba(255,255,255,0.18);
}

/* === HERO === */
.hero {
  background: radial-gradient(ellipse at 50% 40%, #1e3a6e 0%, #0d1e3a 65%);
  padding: 210px 0 140px;
  position: relative;
  z-index: 2;
  text-align: center;
}
.hero-content {
  max-width: 960px;
  margin: 0 auto;
}
.hero-badge {
  display: inline-block;
  background: rgba(255,255,255,0.10);
  color: rgba(255,255,255,0.85);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.8px;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: var(--radius-sm);
  border: 1px solid rgba(255,255,255,0.20);
  margin-bottom: 22px;
}
.hero-h1-top {
  display: block;
  font-size: clamp(1.2rem, 2.5vw, 1.7rem);
  font-weight: 600;
  letter-spacing: -0.3px;
  color: rgba(255,255,255,0.80);
  line-height: 1;
  margin-bottom: 10px;
}
.hero h1 {
  font-size: clamp(2.2rem, 4vw, 3.4rem);
  font-weight: 800;
  letter-spacing: -1.5px;
  line-height: 1.08;
  margin-bottom: 24px;
  white-space: nowrap;
}
.hero-sub {
  font-size: 1.15rem;
  font-weight: 300;
  color: rgba(255,255,255,0.70);
  max-width: 580px;
  margin: 0 auto 32px;
  line-height: 1.65;
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 16px;
  justify-content: center;
}
.btn-hero-cta {
  background: #f5c518;
  color: #1a1a1a;
  padding: 16px 36px;
  border-radius: 50px;
  font-size: 1.05rem;
  font-weight: 700;
  letter-spacing: 0.1px;
  border: none;
  box-shadow: 0 4px 24px rgba(245,197,24,0.40);
}
.btn-hero-cta:hover {
  background: #e6b800;
  transform: scale(1.03);
}
.hero-note {
  font-size: 0.82rem;
  font-weight: 400;
  color: rgba(255,255,255,0.45);
  margin-bottom: 48px;
}
.hero-stats {
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.12);
  justify-content: center;
}
.stat { text-align: center; }
.stat-num {
  display: block;
  font-size: 1.6rem;
  font-weight: 700;
  letter-spacing: -0.64px;
  color: var(--white);
  line-height: 1.1;
}
.stat-label {
  font-size: 0.75rem;
  font-weight: 400;
  color: rgba(255,255,255,0.55);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-top: 2px;
}
.stat-divider {
  width: 1px;
  height: 36px;
  background: rgba(255,255,255,0.15);
}

/* === ANIMATIONS === */

/* Hero entrance — staggered fade up on load */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(22px); }
  to   { opacity: 1; transform: translateY(0); }
}
.hero h1       { animation: fadeUp 0.55s ease both; animation-delay: 0.1s; }
.hero-sub      { animation: fadeUp 0.55s ease both; animation-delay: 0.34s; }
.hero-actions  { animation: fadeUp 0.55s ease both; animation-delay: 0.44s; }
.hero-stats    { animation: fadeUp 0.55s ease both; animation-delay: 0.54s; }

/* Scroll fade-in — applied via JS Intersection Observer */
.fade-up {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.55s ease, transform 0.55s ease;
}
.fade-up.visible {
  opacity: 1;
  transform: translateY(0);
}

/* Stagger children inside a grid when parent becomes visible */
.stagger-children > * {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity 0.45s ease, transform 0.45s ease;
}
.stagger-children.visible > *:nth-child(1) { transition-delay: 0.05s; opacity: 1; transform: none; }
.stagger-children.visible > *:nth-child(2) { transition-delay: 0.12s; opacity: 1; transform: none; }
.stagger-children.visible > *:nth-child(3) { transition-delay: 0.19s; opacity: 1; transform: none; }
.stagger-children.visible > *:nth-child(4) { transition-delay: 0.26s; opacity: 1; transform: none; }
.stagger-children.visible > *:nth-child(5) { transition-delay: 0.33s; opacity: 1; transform: none; }
.stagger-children.visible > *:nth-child(6) { transition-delay: 0.40s; opacity: 1; transform: none; }

/* Respect reduced motion preference */
@media (prefers-reduced-motion: reduce) {
  .fade-up, .stagger-children > *, .hero-badge, .hero h1,
  .hero-sub, .hero-actions, .hero-stats {
    animation: none;
    transition: none;
    opacity: 1;
    transform: none;
  }
}

/* === TRUST BAR === */
.trust-bar {
  display: none;
}
.trust-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.trust-item { text-align: center; }
.trust-num {
  display: block;
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: -0.3px;
  line-height: 1.1;
}
.trust-label {
  font-size: 0.72rem;
  font-weight: 400;
  color: var(--body-text);
  text-transform: uppercase;
  letter-spacing: 0.6px;
  margin-top: 2px;
}
.trust-divider { display: none; }

/* === ABOUT === */
.about { padding: 88px 0; }
.about-inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: 64px;
  align-items: center;
  max-width: 720px;
  margin: 0 auto;
}
.about-text .section-tag { margin-bottom: 14px; }
.about-text h2 { margin-bottom: 18px; }
.about-text p {
  color: var(--body-text);
  font-size: 1rem;
  font-weight: 300;
  line-height: 1.7;
  margin-bottom: 14px;
}
.about-text .btn { margin-top: 12px; }

.about-image {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-elevated);
}
.about-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.card-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 18px 0;
  border-bottom: 1px solid var(--border);
}
.card-item:last-child { border-bottom: none; padding-bottom: 0; }
.card-item:first-child { padding-top: 0; }
.card-num {
  width: 28px;
  height: 28px;
  background: var(--navy);
  color: var(--white);
  font-size: 0.75rem;
  font-weight: 700;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 2px;
}
.card-item strong {
  display: block;
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--navy-heading);
  margin-bottom: 3px;
}
.card-item p {
  font-size: 0.875rem;
  font-weight: 300;
  color: var(--body-text);
  margin: 0;
  line-height: 1.6;
}

/* === COMPETITION BANNER === */
.competition-banner {
  text-align: center;
  margin-bottom: 40px;
  padding: 28px 32px;
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-lg);
  background: rgba(255,255,255,0.05);
}
.competition-banner h3 {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 10px;
  letter-spacing: -0.4px;
}
.competition-banner p {
  font-size: 0.95rem;
  color: rgba(255,255,255,0.70);
  max-width: 560px;
  margin: 0 auto;
  line-height: 1.6;
}

/* === CHECKLIST ROW === */
.checklist-row {
  display: flex;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
  margin-bottom: 48px;
}
.checklist-row span {
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--navy);
  padding-left: 20px;
  position: relative;
}
.checklist-row span::before {
  content: '';
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 12px;
  height: 12px;
  background: var(--navy);
  border-radius: 50%;
}

/* === BENEFITS === */
.benefits { padding: 88px 0; }
.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
.benefit-card {
  background: transparent;
  border-top: 1px solid rgba(255,255,255,0.12);
  padding: 28px 0;
  transition: opacity 0.15s;
}
.benefit-card:hover { opacity: 0.85; }
.benefit-card h3 {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--white);
  margin-bottom: 10px;
  letter-spacing: -0.1px;
}
.benefit-card p {
  font-size: 0.875rem;
  font-weight: 300;
  color: rgba(255,255,255,0.62);
  line-height: 1.6;
}

/* === HOW IT WORKS === */
.how-it-works { padding: 88px 0; background: var(--white); }
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}
.step {
  padding: 32px;
  border-left: 2px solid var(--border);
}
.step h3 {
  font-size: 1rem;
  font-weight: 600;
  margin-bottom: 10px;
  color: var(--navy-heading);
}
.step p {
  font-size: 0.9rem;
  font-weight: 300;
  color: var(--body-text);
  line-height: 1.7;
}

/* === FLAG BANNER === */
.flag-banner {
  position: relative;
  background: url('E10CCACA-D1BA-4F9C-A79B-0B8EA6FB81C2.jpeg') 65% 25% / cover no-repeat;
  min-height: 740px;
  padding: 200px 0;
  text-align: center;
  display: flex;
  align-items: center;
}
.flag-overlay {
  position: absolute;
  inset: 0;
  background: rgba(10, 20, 50, 0.68);
}
.flag-content {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 28px;
  width: 100%;
}
.flag-quote {
  font-size: clamp(1.4rem, 3vw, 2.2rem);
  font-weight: 600;
  color: var(--white);
  letter-spacing: -0.5px;
  line-height: 1.3;
  max-width: 640px;
}

/* === TESTIMONIALS PHOTO === */
.testimonials-photo {
  max-width: 480px;
  margin: 0 auto 40px;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-elevated);
}
.testimonials-photo img {
  width: 100%;
  height: 320px;
  object-fit: cover;
  object-position: center 20%;
  display: block;
}

/* === TESTIMONIALS SLIDER === */
.testimonials { padding: 88px 0; }

.testimonial-slider {
  display: flex;
  align-items: center;
  gap: 16px;
  position: relative;
}
.slider-slides {
  flex: 1;
  overflow: hidden;
}
.slider-slide {
  display: none;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.slider-slide.active { display: grid; }

.slide-photo {
  border-radius: var(--radius-lg);
  height: 420px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  overflow: hidden;
}
.slide-photo-1 { background: linear-gradient(135deg, #1a2f5a 0%, #243669 100%); }
.slide-photo-2 { background: linear-gradient(135deg, #0f1f3d 0%, #1a2f5a 100%); }
.slide-photo-3 { background: linear-gradient(135deg, #243669 0%, #1a2f5a 100%); }

.slide-content { display: flex; flex-direction: column; gap: 16px; }

.stars-gold {
  color: #f5c518;
  font-size: 1.4rem;
  letter-spacing: 3px;
}
.slide-headline {
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--navy-heading);
  line-height: 1.3;
  letter-spacing: -0.3px;
}
.slide-text {
  font-size: 1rem;
  font-weight: 300;
  color: var(--body-text);
  line-height: 1.75;
}
.slide-author {
  font-size: 0.95rem;
  color: var(--navy-heading);
}
.slide-author strong { font-weight: 700; }
.slide-author span { color: var(--body-text); }

.verified-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: #eef2fb;
  color: var(--navy);
  font-size: 0.82rem;
  font-weight: 600;
  padding: 5px 12px;
  border-radius: 20px;
  width: fit-content;
}
.verified-badge::before {
  content: '';
  width: 8px;
  height: 8px;
  background: var(--navy);
  border-radius: 50%;
  display: inline-block;
}

.slider-arrow {
  background: none;
  border: 2px solid var(--border);
  border-radius: 50%;
  width: 44px;
  height: 44px;
  font-size: 1.6rem;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: border-color 0.15s, color 0.15s;
  line-height: 1;
}
.slider-arrow:hover { border-color: var(--navy); }

.slider-dots {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-top: 32px;
}
.dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--border);
  cursor: pointer;
  transition: background 0.2s;
}
.dot.active { background: var(--navy); }

/* === AS FEATURED IN === */
.featured-in {
  background: var(--navy);
  padding: 28px 0;
}
.featured-in-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 20px;
  margin-bottom: 20px;
}
.featured-line {
  height: 1px;
  width: 80px;
  background: rgba(255,255,255,0.25);
}
.featured-label {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: rgba(255,255,255,0.60);
}
.featured-logos {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 56px;
  flex-wrap: wrap;
  padding: 0 40px;
}
.featured-logo {
  color: rgba(255,255,255,0.85);
  font-weight: 700;
  font-size: 1rem;
  letter-spacing: -0.3px;
  white-space: nowrap;
}
.logo-nyt { font-family: Georgia, serif; font-size: 1.05rem; }
.logo-forbes { font-family: Georgia, serif; font-style: italic; font-size: 1.2rem; }
.logo-cnn { letter-spacing: 0.5px; font-size: 0.95rem; }
.logo-usnews { font-size: 0.9rem; letter-spacing: 0.2px; }

/* === LOAN CALCULATOR === */
.calculator { padding: 88px 0; }
.calculator-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}
.calc-text .section-tag { margin-bottom: 14px; }
.calc-text h2 { margin-bottom: 16px; }
.calc-text > p {
  color: var(--body-text);
  font-size: 1rem;
  font-weight: 300;
  line-height: 1.7;
  margin-bottom: 20px;
}
.calc-notes {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.calc-notes li {
  font-size: 0.875rem;
  font-weight: 300;
  color: var(--body-text);
  padding-left: 14px;
  position: relative;
}
.calc-notes li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 8px;
  width: 5px;
  height: 5px;
  background: var(--navy);
  border-radius: 50%;
}
.calc-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-elevated);
}
.calc-card h3 {
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--navy-heading);
  letter-spacing: -0.22px;
  margin-bottom: 22px;
}
.input-prefix-wrap {
  display: flex;
  align-items: stretch;
}
.input-prefix {
  display: flex;
  align-items: center;
  padding: 10px 10px 10px 12px;
  background: var(--off-white);
  border: 1px solid var(--border);
  border-right: none;
  border-radius: var(--radius-sm) 0 0 var(--radius-sm);
  font-size: 0.9rem;
  font-weight: 400;
  color: var(--body-text);
  white-space: nowrap;
}
.input-suffix {
  display: flex;
  align-items: center;
  padding: 10px 12px 10px 10px;
  background: var(--off-white);
  border: 1px solid var(--border);
  border-left: none;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  font-size: 0.9rem;
  font-weight: 400;
  color: var(--body-text);
  white-space: nowrap;
}
.input-prefix + input {
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  flex: 1;
}
.input-prefix-wrap input + .input-suffix {
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
}
.input-prefix-wrap input:not(:first-child):not(:last-child) {
  border-radius: 0;
}
.input-prefix-wrap > input:first-child {
  border-radius: var(--radius-sm) 0 0 var(--radius-sm);
  flex: 1;
}
.input-prefix-wrap input {
  flex: 1;
}
.calc-result {
  display: none;
  margin-top: 20px;
  border-top: 1px solid var(--border);
  padding-top: 20px;
}
.calc-result.show { display: block; }
.result-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.9rem;
}
.result-row:last-of-type { border-bottom: none; }
.result-row span { color: var(--body-text); font-weight: 300; }
.result-row strong {
  font-weight: 700;
  color: var(--navy-heading);
  font-size: 1rem;
  font-variant-numeric: tabular-nums;
}
.result-highlight { color: #108c3d !important; }

/* === FAQ === */
.faq { padding: 88px 0; background: var(--white); }
.faq-list {
  max-width: 720px;
  margin: 0 auto;
}
.faq-item { border-bottom: 1px solid var(--border); }
.faq-item:last-child { border-bottom: none; }
.faq-question {
  width: 100%;
  background: transparent;
  border: none;
  padding: 20px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-family: 'Inter', sans-serif;
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--navy-heading);
  cursor: pointer;
  text-align: left;
  transition: color 0.15s;
  gap: 16px;
}
.faq-question:hover { color: var(--navy); }
.faq-icon {
  font-size: 1.3rem;
  font-weight: 300;
  color: var(--navy);
  flex-shrink: 0;
  transition: transform 0.2s;
  line-height: 1;
}
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, padding 0.3s ease;
  padding: 0;
  background: transparent;
}
.faq-item.open .faq-answer {
  max-height: 200px;
  padding: 0 0 20px;
}
.faq-answer p {
  font-size: 0.9rem;
  font-weight: 300;
  color: var(--body-text);
  line-height: 1.7;
}

/* === STICKY CTA BAR === */
.sticky-cta {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  background: var(--navy-dark);
  border-top: 1px solid rgba(255,255,255,0.10);
  padding: 14px 0;
  z-index: 99;
  transform: translateY(100%);
  transition: transform 0.3s ease;
  box-shadow: rgba(3,3,39,0.30) 0px -8px 24px;
}
.sticky-cta.visible { transform: translateY(0); }
.sticky-cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.sticky-cta p {
  font-size: 0.9rem;
  font-weight: 300;
  color: rgba(255,255,255,0.80);
  margin: 0;
}

/* === CONTACT / APPLY === */
.contact { padding: 88px 0; }
.contact-inner {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 56px;
  align-items: start;
}
.contact-advisor-img {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-elevated);
  aspect-ratio: 3 / 4;
}
.contact-advisor-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 15%;
  display: block;
}
.contact-right {
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.contact-text .section-tag { margin-bottom: 14px; }
.contact-text h2 { margin-bottom: 16px; }
.contact-text > p {
  color: var(--body-text);
  font-size: 1rem;
  font-weight: 300;
  line-height: 1.7;
  margin-bottom: 28px;
}
.contact-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.contact-list li {
  font-size: 0.9rem;
  font-weight: 300;
  color: var(--body-text);
}
.contact-list a {
  color: var(--navy);
  font-weight: 500;
}
.contact-list a:hover { text-decoration: underline; }

/* Stripe-style form: white, blue-tinted shadow, conservative radius */
.contact-form {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-elevated);
}
.contact-form h3 {
  font-size: 1.15rem;
  font-weight: 600;
  letter-spacing: -0.22px;
  color: var(--navy-heading);
  margin-bottom: 22px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.form-group {
  margin-bottom: 14px;
  display: flex;
  flex-direction: column;
}
.form-group label {
  font-size: 0.8rem;
  font-weight: 500;
  color: var(--label-text);
  margin-bottom: 6px;
  letter-spacing: 0.1px;
}
.form-group input,
.form-group select,
.form-group textarea {
  padding: 10px 12px;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  font-weight: 300;
  font-family: 'Inter', sans-serif;
  color: var(--navy-heading);
  background: var(--white);
  transition: border-color 0.15s, box-shadow 0.15s;
  outline: none;
}
.form-group input::placeholder,
.form-group textarea::placeholder {
  color: var(--body-text);
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 2px rgba(26,47,90,0.15);
}
.form-group textarea { resize: vertical; }

.form-note {
  font-size: 0.72rem;
  font-weight: 300;
  color: var(--body-text);
  text-align: center;
  margin-top: 10px;
  line-height: 1.5;
}
.form-success {
  display: none;
  margin-top: 14px;
  background: rgba(21,190,83,0.10);
  color: #108c3d;
  border: 1px solid rgba(21,190,83,0.30);
  border-radius: var(--radius-sm);
  padding: 10px 14px;
  font-size: 0.875rem;
  font-weight: 400;
  text-align: center;
}

/* === FOOTER === */
.footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.65);
  padding: 56px 0 0;
  border-top: 1px solid rgba(255,255,255,0.06);
}
.footer-inner {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
}
.footer-brand p {
  font-size: 0.875rem;
  font-weight: 300;
  margin-top: 14px;
  max-width: 260px;
  color: rgba(255,255,255,0.45);
  line-height: 1.65;
}
.logo-light { color: var(--white); font-size: 1.1rem; font-weight: 700; }
.footer-social {
  display: flex;
  gap: 12px;
  margin-top: 18px;
}
.footer-social a {
  width: 36px;
  height: 36px;
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.55);
  transition: color 0.15s, border-color 0.15s, background 0.15s;
}
.footer-social a:hover {
  color: var(--white);
  border-color: rgba(255,255,255,0.40);
  background: rgba(255,255,255,0.06);
}

.social-links {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-top: 24px;
}
.social-btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--navy);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 9px 14px;
  width: fit-content;
  transition: background 0.15s, border-color 0.15s;
}
.social-btn:hover {
  background: var(--off-white);
  border-color: var(--navy);
}

.footer-links h4 {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.8px;
  text-transform: uppercase;
  color: var(--white);
  margin-bottom: 14px;
}
.footer-links ul { display: flex; flex-direction: column; gap: 10px; }
.footer-links a {
  font-size: 0.875rem;
  font-weight: 300;
  color: rgba(255,255,255,0.55);
  transition: color 0.15s;
}
.footer-links a:hover { color: var(--white); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.07);
  padding: 18px 0;
  font-size: 0.75rem;
  font-weight: 300;
  color: rgba(255,255,255,0.35);
  text-align: center;
}

/* === RESPONSIVE === */
@media (max-width: 900px) {
  .about-inner         { grid-template-columns: 1fr; }
  .benefits-grid       { grid-template-columns: 1fr 1fr; }
  .testimonials-grid   { grid-template-columns: 1fr 1fr; }
  .calculator-inner    { grid-template-columns: 1fr; }
  .contact-inner       { grid-template-columns: 1fr; }
  .contact-advisor-img img { min-height: 280px; }
  .footer-inner        { grid-template-columns: 1fr 1fr; }
  .footer-brand        { grid-column: 1 / -1; }
  .steps               { grid-template-columns: 1fr 1fr; }
  .trust-inner         { gap: 16px; }
}
@media (max-width: 640px) {
  .nav-links           { display: none; }
  .hamburger           { display: block; }
  h1                   { letter-spacing: -0.96px; }
  h2                   { font-size: 1.75rem; letter-spacing: -0.5px; }
  .benefits-grid       { grid-template-columns: 1fr; }
  .testimonials-grid   { grid-template-columns: 1fr; }
  .form-row            { grid-template-columns: 1fr; }
  .hero                { padding: 100px 0 64px; }
  .hero-h1-top         { font-size: 1.2rem; }
  .hero-actions        { flex-direction: column; align-items: center; }
  .hero-actions .btn   { width: 100%; text-align: center; }
  .hero-stats          { gap: 20px; }
  .stat                { text-align: center; }
  .stat-divider        { display: none; }
  .stat-num            { font-size: 1.4rem; }
  .steps               { grid-template-columns: 1fr; gap: 0; }
  .step                { border-left: none; border-top: 2px solid var(--border); text-align: center; padding: 28px 16px; }
  .footer-inner        { grid-template-columns: 1fr; }
  .trust-divider       { display: none; }
  .photo-strip-inner   { grid-template-columns: 1fr; height: auto; }
  .photo-item          { height: 220px; }
  .about, .how-it-works, .contact,
  .calculator, .faq   { padding: 56px 0; }
  .benefits, .testimonials { padding: 88px 0 88px; }
}