/* === Signature Home Mortgage — Page Content Styles ===
   (Tokens, base, header & footer live in shared.css)
*/

/* Hero — full-bleed split layout (image left to viewport edge, text right) */
.hero{position:relative;background:var(--cream);padding:0;color:var(--ink);overflow:hidden}
.hero__grid{display:grid;grid-template-columns:1.15fr 1fr;gap:0;align-items:stretch}
.hero__visual{position:relative;overflow:hidden}
.hero__visual img{width:100%;height:100%;min-height:560px;object-fit:cover;display:block}
.hero__content{display:flex;align-items:center;padding:70px 48px 70px 60px}
.hero__content-inner{max-width:560px}
.hero__eyebrow{
  display:inline-block;color:var(--red);font-size:.75rem;
  font-weight:600;letter-spacing:3px;text-transform:uppercase;margin-bottom:18px;
}
.hero h1{color:var(--ink);margin-bottom:22px;font-size:clamp(2.2rem,4vw,3.4rem);line-height:1.05}
.hero__sub{font-size:1.05rem;color:#4a4a4a;margin:0 0 30px;line-height:1.7}
.hero__cta{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:32px}
.hero__trust{display:flex;gap:20px;flex-wrap:wrap;font-size:.82rem;color:#5a5a5a}
.hero__trust span{display:flex;align-items:center;gap:6px}

/* Steps */
.steps{padding:80px 0;background:var(--bg)}
.steps__grid{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}
.step{background:#fff;padding:36px 28px;border-radius:var(--radius);border-top:3px solid var(--gold);box-shadow:0 2px 12px rgba(11,37,69,.04);transition:transform .25s ease,box-shadow .25s ease}
.step:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.step__num{font-family:'Playfair Display',serif;font-size:2.2rem;color:var(--gold);font-weight:600;margin-bottom:10px}
.step h3{margin-bottom:8px}
.step p{margin:0;color:var(--muted)}

/* Stat bar (animated counters above Loan Programs) */
.stat-bar{background:var(--red);color:#fff;padding:28px 0}
.stat-bar__grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center;align-items:center}
.stat-bar__item{padding:0 18px;border-right:1px solid rgba(255,255,255,.22)}
.stat-bar__item:last-child{border-right:0}
.stat-bar__num{font-family:'Playfair Display',serif;font-weight:700;font-size:clamp(1.6rem,3vw,2.4rem);line-height:1.1;color:#fff;letter-spacing:-.5px}
.stat-bar__lbl{font-size:.78rem;letter-spacing:1.5px;text-transform:uppercase;color:#fff;opacity:.92;margin-top:6px;font-weight:500}
@media (max-width:800px){
  .stat-bar__grid{grid-template-columns:1fr;gap:18px}
  .stat-bar__item{border-right:0;border-bottom:1px solid rgba(255,255,255,.22);padding-bottom:14px}
  .stat-bar__item:last-child{border-bottom:0;padding-bottom:0}
}

/* Services */
.services{padding:90px 0;background:#fff}
.services__grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:8px}
.service-card{
  display:block;background:#fff;border:1px solid var(--line);
  border-radius:var(--radius);transition:all .25s ease;cursor:pointer;overflow:hidden;
}
.service-card__img{
  height:160px;background-size:cover;background-position:center;
  border-bottom:3px solid var(--gold);transition:transform .35s ease;
}
.service-card:hover .service-card__img{transform:scale(1.04)}
.service-card__body{padding:24px 24px 26px}
.service-card:hover{border-color:var(--gold);transform:translateY(-3px);box-shadow:var(--shadow)}
.service-card h4{color:var(--navy);margin-bottom:10px}
.service-card p{margin:0 0 16px;color:var(--muted);font-size:.92rem;line-height:1.55}
.service-card .link{color:var(--gold-dark);font-weight:600;font-size:.88rem;letter-spacing:.3px}
.service-card:hover .link{color:var(--navy)}
/* Cards without an image keep their original padding feel */
.service-card:not(:has(.service-card__img)){padding:28px 24px}

/* Why */
.why{padding:90px 0;background:var(--bg)}
.why__grid{display:grid;grid-template-columns:1fr 1.1fr;gap:60px;align-items:center}
.why__img{height:440px;background-size:cover;background-position:center;border-radius:var(--radius);box-shadow:var(--shadow)}
.why__list{padding-left:0;list-style:none;margin:18px 0 28px}
.why__list li{padding:8px 0 8px 28px;position:relative;color:var(--ink)}
.why__list li::before{
  content:"✓";position:absolute;left:0;top:8px;color:var(--gold);
  font-weight:700;font-size:1.1rem;
}

/* Rates */
.rates{padding:90px 0;background:var(--navy);color:#fff}
.rates__inner{display:grid;grid-template-columns:1.2fr 1fr;gap:48px;align-items:center}
.rates h2{color:#fff}
.rates p{color:#cbd5e0;font-size:1.05rem}
.rates__card{
  background:rgba(255,255,255,.04);border:1px solid rgba(200,32,44,.25);
  padding:30px;border-radius:var(--radius);
}
.rates__card h4{color:var(--gold);margin-bottom:10px}
.rates__card p{color:#e2e8f0;margin:0;font-size:.95rem}

/* Testimonials */
.testimonials{padding:90px 0;background:#fff}
.t-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:10px}
.t{background:var(--bg);padding:30px 26px;border-radius:var(--radius);margin:0;border-left:3px solid var(--gold);position:relative}
.t blockquote{margin:0 0 14px;font-size:1rem;line-height:1.65;color:var(--ink);font-style:italic}
.t__stars{color:var(--gold);font-size:1.1rem;letter-spacing:3px;margin-bottom:10px;line-height:1}
.t blockquote::before{content:"“";font-family:'Playfair Display',serif;font-size:3rem;color:var(--gold);line-height:1;display:block;margin-bottom:18px}
.t figcaption{color:var(--muted);font-size:.88rem;font-weight:500}

/* CTA strip */
.strip{padding:70px 0;background:linear-gradient(135deg,var(--navy) 0%,var(--navy-soft) 100%);color:#fff}
.strip__inner{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.strip h2{color:#fff;margin:0 0 6px}
.strip h2::after{display:none}
.strip p{margin:0;color:#cbd5e0;font-size:1.05rem}

/* Contact */
.contact{padding:90px 0;background:var(--bg)}
.contact__grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:start}
.contact__list{list-style:none;padding:0;margin:24px 0 0}
.contact__list li{padding:10px 0;border-bottom:1px solid var(--line);font-size:.98rem}
.contact__list li:last-child{border-bottom:0}
.contact__list strong{color:var(--navy);font-weight:600;margin-right:6px}
.contact__list a{color:var(--gold-dark)}
.contact__list a:hover{color:var(--navy)}

/* Generic form (homepage Contact) */
.form{display:grid;gap:14px;background:#fff;padding:32px;border-radius:var(--radius);border:1px solid var(--line);box-shadow:var(--shadow)}
.form label{display:flex;flex-direction:column;font-size:.82rem;color:var(--navy);font-weight:600;letter-spacing:.3px;text-transform:uppercase}
.form input,.form textarea,.form select{
  margin-top:6px;padding:11px 13px;border:1px solid var(--line);
  border-radius:var(--radius);font:inherit;background:#fff;color:var(--ink);
  font-weight:400;text-transform:none;letter-spacing:0;
  width:100%;max-width:100%;min-width:0;
}
.form label{min-width:0}
.form input:focus,.form textarea:focus,.form select:focus{outline:2px solid var(--gold);outline-offset:1px;border-color:var(--gold)}
.form__msg{margin:0;color:var(--gold-dark);font-weight:600;min-height:1.2em;font-size:.95rem}
.form__row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form__legal{font-size:.78rem;color:var(--muted);margin:6px 0 0;line-height:1.5;text-transform:none;letter-spacing:0;font-weight:400}

/* === Refinance page === */

/* Hero (split: copy + form) */
.refi-hero{position:relative;padding:42px 0 70px;color:#fff;overflow:hidden}
.refi-hero__bg{position:absolute;inset:0;background-size:cover;background-position:center}
.refi-hero__overlay{position:absolute;inset:0;background:linear-gradient(135deg,rgba(26,26,26,.92) 0%,rgba(26,26,26,.82) 100%)}
.refi-hero__grid{position:relative;z-index:2;display:grid;grid-template-columns:1fr 1.05fr;gap:50px;align-items:start}
.refi-hero__copy h1{color:#fff;margin:18px 0 18px;font-size:clamp(2rem,4vw,3.2rem);line-height:1.1}
.refi-hero__copy p{color:#cbd5e0;font-size:1.05rem;line-height:1.7;margin:0 0 22px}
.refi-hero__perks{list-style:none;padding:0;margin:0;color:var(--gold)}
.refi-hero__perks li{padding:6px 0;font-size:.95rem}

/* Multi-step form */
.refi-multistep{
  background:#fff;color:var(--ink);
  padding:32px;border-radius:8px;
  box-shadow:0 20px 50px rgba(0,0,0,.25);
}
.refi-multistep__head{margin-bottom:24px}
.refi-progress{
  height:6px;background:var(--bg);border-radius:3px;overflow:hidden;margin-bottom:8px;
}
.refi-progress__bar{
  height:100%;background:linear-gradient(90deg,var(--gold) 0%,var(--gold-dark) 100%);
  width:11%;transition:width .35s ease;
}
.refi-step-label{font-size:.78rem;letter-spacing:1.5px;text-transform:uppercase;color:var(--muted);font-weight:600}

.refi-step{display:none}
.refi-step.is-active{display:block;animation:refiFade .3s ease}
@keyframes refiFade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.refi-step h3{
  font-family:'Playfair Display',serif;color:var(--navy);
  font-size:1.45rem;margin:0 0 18px;font-weight:600;
}

.refi-step label{
  display:flex;flex-direction:column;margin-bottom:14px;
  font-size:.78rem;color:var(--navy);font-weight:600;letter-spacing:.5px;
  text-transform:uppercase;
}
.refi-step input[type="text"],.refi-step input[type="tel"],
.refi-step input[type="email"],.refi-step select{
  margin-top:6px;padding:12px 14px;border:1px solid var(--line);
  border-radius:6px;font:inherit;background:#fff;color:var(--ink);
  font-weight:400;text-transform:none;letter-spacing:0;font-size:.95rem;
}
.refi-step input:focus,.refi-step select:focus{outline:2px solid var(--gold);outline-offset:1px;border-color:var(--gold)}

/* Tile selectors */
.refi-tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.refi-tiles--5{grid-template-columns:repeat(5,1fr)}
.refi-tile{
  position:relative;display:flex;flex-direction:column;align-items:center;
  padding:18px 10px;border:2px solid var(--line);border-radius:8px;
  background:#fff;cursor:pointer;transition:all .2s ease;text-align:center;
  text-transform:none;letter-spacing:0;font-weight:500;font-size:.85rem;color:var(--ink);
}
.refi-tile:hover{border-color:var(--gold);background:#fffdf6}
.refi-tile input{position:absolute;opacity:0;inset:0;cursor:pointer}
.refi-tile input:checked ~ *{color:var(--navy)}
.refi-tile:has(input:checked){border-color:var(--gold);background:#fffaeb;box-shadow:0 0 0 3px rgba(201,169,97,.15)}
.refi-tile__icon{font-size:1.8rem;margin-bottom:8px;line-height:1}

/* Step nav buttons */
.refi-nav{display:flex;justify-content:space-between;gap:12px;margin-top:24px;padding-top:20px;border-top:1px solid var(--line)}
.refi-nav .btn{flex:1;max-width:none}

/* Refinance intro */
.refi-intro{padding:90px 0;background:#fff}
.refi-intro__grid{display:grid;grid-template-columns:1.1fr 1fr;gap:60px;align-items:start}
.refi-intro p{color:var(--ink);margin-bottom:16px;line-height:1.75}
.refi-benefits{background:var(--bg);padding:32px 28px;border-radius:var(--radius);border-left:3px solid var(--gold)}
.refi-benefits h3{color:var(--navy);margin-bottom:16px;font-family:'Playfair Display',serif;font-size:1.4rem}
.refi-benefits ul{list-style:none;padding:0;margin:0}
.refi-benefits li{padding:10px 0;border-bottom:1px solid var(--line);color:var(--muted);line-height:1.55}
.refi-benefits li:last-child{border-bottom:0}
.refi-benefits li strong{color:var(--navy);display:inline;font-weight:600}

/* Refinance form section (legacy) */
.refi-form-section{padding:90px 0;background:var(--navy);color:#fff}
.refi-form__wrap{display:grid;grid-template-columns:1fr 1.1fr;gap:60px;align-items:start}
.refi-form__intro h2{color:#fff}
.refi-form__intro p{color:#cbd5e0;font-size:1.05rem;line-height:1.7}
.refi-form__perks{list-style:none;padding:0;margin:24px 0 0;color:#e2e8f0}
.refi-form__perks li{padding:8px 0;color:var(--gold)}
.refi-form{background:#fff;color:var(--ink)}

/* Simple page header (no big bg image) */
.pagehead-simple{padding:36px 0 44px;background:#fff;border-bottom:1px solid var(--line)}
.pagehead-simple h1{color:var(--navy);margin:14px 0 16px;font-size:clamp(2rem,4vw,3.2rem);line-height:1.1}
.pagehead-simple p{color:var(--muted);font-size:1.1rem;max-width:780px;margin:0;line-height:1.65}
.pagehead-simple .eyebrow--gold{color:var(--gold-dark)}

/* === Blog page === */
.blog-featured{padding:50px 0 0;background:#fff}
.feature-card{
  display:grid;grid-template-columns:1.1fr 1fr;gap:0;
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  overflow:hidden;transition:transform .25s ease,box-shadow .25s ease;
}
.feature-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--gold)}
.feature-card__img{min-height:340px;background-size:cover;background-position:center}
.feature-card__body{padding:40px 36px;display:flex;flex-direction:column;justify-content:center}
.feature-card h2{font-family:'Playfair Display',serif;color:var(--navy);font-size:1.9rem;line-height:1.2;margin:10px 0 12px}
.feature-card p{color:var(--muted);font-size:1rem;line-height:1.65;margin:0 0 16px}

.blog-grid-section{padding:60px 0 90px;background:#fff}
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.post-card{
  display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);
  border-radius:var(--radius);overflow:hidden;cursor:pointer;
  transition:all .25s ease;
}
.post-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--gold)}
.post-card__img{height:200px;background-size:cover;background-position:center}
.post-card__body{padding:22px 22px 26px}
.post-card h3{font-family:'Playfair Display',serif;color:var(--navy);font-size:1.2rem;line-height:1.3;margin:8px 0 10px}
.post-card p{color:var(--muted);font-size:.92rem;line-height:1.55;margin:0 0 14px}

.post-tag{
  display:inline-block;background:var(--bg);color:var(--gold-dark);
  font-size:.75rem;font-weight:600;letter-spacing:1.5px;text-transform:uppercase;
  padding:5px 10px;border-radius:50px;
}
.post-meta{display:flex;gap:10px;color:var(--muted);font-size:.85rem;font-weight:500}

@media (max-width:1000px){
  .blog-grid{grid-template-columns:repeat(2,1fr)}
  .feature-card{grid-template-columns:1fr}
  .feature-card__img{min-height:240px}
  .feature-card__body{padding:30px 26px}
}
@media (max-width:600px){
  .blog-grid{grid-template-columns:1fr}
}

/* === Today's Rates page === */
.rates-table-section{padding:60px 0;background:#fff}
.rates-meta{
  display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;
  margin-bottom:22px;padding:18px 22px;background:var(--bg);border-left:3px solid var(--gold);border-radius:var(--radius);
}
.rates-meta__date{margin:4px 0 0;font-weight:600;color:var(--navy);font-size:1.05rem}
.rates-disclaimer{font-size:.82rem;color:var(--muted);max-width:480px;line-height:1.5}

.rates-table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius)}
.rates-table{width:100%;border-collapse:collapse;font-size:.95rem;background:#fff}
.rates-table th{
  background:var(--navy);color:#fff;text-align:left;padding:14px 18px;
  font-weight:600;font-size:.82rem;letter-spacing:1px;text-transform:uppercase;
}
.rates-table td{padding:16px 18px;border-top:1px solid var(--line);vertical-align:middle}
.rates-table tbody tr:hover{background:var(--bg)}
.rate-sub{display:block;font-size:.78rem;color:var(--muted);font-weight:400;margin-top:2px}
.rate-cell{font-family:'Playfair Display',serif;font-size:1.15rem;font-weight:600;color:var(--navy)}
.rate-cta{color:var(--gold-dark);font-weight:600;font-size:.88rem;white-space:nowrap}
.rate-cta:hover{color:var(--navy)}
.rates-footnote{font-size:.78rem;color:var(--muted);margin-top:16px;line-height:1.5}

@media (max-width:700px){
  .rates-table th,.rates-table td{padding:12px 12px;font-size:.85rem}
  .rate-cell{font-size:1rem}
}

/* === Homepage Today's Rates === */
.home-rates{padding:80px 0;background:var(--navy);color:#fff;position:relative;overflow:hidden}
.home-rates::before{
  content:"";position:absolute;inset:0;
  background:radial-gradient(ellipse at top right, rgba(200,32,44,.08) 0%, transparent 60%);
  pointer-events:none;
}
.home-rates__head{
  display:flex;justify-content:space-between;align-items:flex-end;
  gap:24px;flex-wrap:wrap;margin-bottom:32px;position:relative;
}
.home-rates h2{color:#fff;margin:0}
.home-rates__meta{font-size:.85rem;color:#cbd5e0}
.home-rates__updated{
  display:inline-flex;align-items:center;gap:8px;padding:8px 14px;
  background:rgba(255,255,255,.06);border:1px solid rgba(200,32,44,.25);
  border-radius:50px;font-weight:500;
}
.home-rates__updated::before{
  content:"";width:8px;height:8px;border-radius:50%;
  background:var(--gold);box-shadow:0 0 0 3px rgba(200,32,44,.25);
}

.home-rates__grid{
  display:grid;grid-template-columns:repeat(4,1fr);gap:18px;position:relative;
}

.rate-card{
  background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.08);
  border-top:3px solid var(--gold);border-radius:var(--radius);
  padding:24px 22px;transition:transform .25s ease, background .25s ease;
}
.rate-card:hover{transform:translateY(-3px);background:rgba(255,255,255,.07)}
.rate-card__head{margin-bottom:14px}
.rate-card__head h3{
  color:#fff;font-family:'Playfair Display',serif;font-size:1.15rem;
  margin:0 0 4px;font-weight:600;
}
.rate-card__tag{
  font-size:.75rem;color:var(--gold);font-weight:600;letter-spacing:1.5px;
  text-transform:uppercase;
}
.rate-card__rate{
  display:flex;align-items:baseline;gap:4px;
  padding:14px 0 16px;border-bottom:1px solid rgba(255,255,255,.08);margin-bottom:14px;
}
.rate-card__val{
  font-family:'Playfair Display',serif;font-size:2.4rem;font-weight:600;color:#fff;
  line-height:1;
}
.rate-card__unit{font-size:1.1rem;color:#fff;font-weight:600}
.rate-card__row{
  display:flex;justify-content:space-between;align-items:center;
  font-size:.85rem;color:#cbd5e0;padding:5px 0;
}
.rate-card__row strong{color:#fff;font-weight:600}
.rate-card__chg.is-up{color:#FCA5A5}
.rate-card__chg.is-down{color:#86EFAC}

.home-rates__foot{
  margin-top:32px;display:flex;justify-content:space-between;align-items:center;
  gap:24px;flex-wrap:wrap;padding-top:24px;border-top:1px solid rgba(255,255,255,.1);
  position:relative;
}
.home-rates__disclaimer{
  font-size:.82rem;color:#a0aec0;line-height:1.55;margin:0;max-width:560px;
}
.home-rates__cta{display:flex;gap:12px;flex-wrap:wrap}

@media (max-width:1000px){
  .home-rates__grid{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:560px){
  .home-rates__grid{grid-template-columns:1fr}
  .home-rates__head{flex-direction:column;align-items:flex-start}
  .home-rates__foot{flex-direction:column;align-items:stretch;text-align:center}
  .home-rates__cta{justify-content:center}
}

/* === Blog: Category Chips === */
.blog-categories{padding:32px 0 10px;background:#fff}
.cat-chips{
  display:flex;flex-wrap:wrap;gap:10px;justify-content:center;
}
.cat-chip{
  background:#fff;border:1px solid var(--line);
  padding:9px 18px;border-radius:50px;
  font:inherit;font-size:.88rem;font-weight:600;
  color:var(--navy);cursor:pointer;
  transition:all .2s ease;letter-spacing:.3px;
}
.cat-chip:hover{border-color:var(--gold);color:var(--gold-dark)}
.cat-chip.is-active{
  background:var(--navy);border-color:var(--navy);color:#fff;
  box-shadow:0 4px 12px rgba(11,37,69,.18);
}
.cat-select-wrap{display:none;max-width:420px;margin:0 auto}
.cat-select-label{
  display:block;font-size:.78rem;font-weight:700;letter-spacing:.5px;
  text-transform:uppercase;color:var(--navy);margin-bottom:8px;text-align:center;
}
.cat-select{
  width:100%;padding:14px 16px;border:1px solid var(--line);border-radius:var(--radius);
  background:#fff;color:var(--navy);font:inherit;font-weight:600;font-size:16px;
  appearance:none;-webkit-appearance:none;
  background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'><path fill='%230b2545' d='M6 8L1.5 3.5h9z'/></svg>");
  background-repeat:no-repeat;background-position:right 16px center;background-size:12px;
  padding-right:42px;
}
@media (max-width:700px){
  .cat-chips{display:none}
  .cat-select-wrap{display:block}
  .blog-categories{padding:24px 0 6px}
}

/* === Blog Single Post === */
.post{background:#fff}
.post__head{
  background:linear-gradient(135deg,var(--navy) 0%,var(--navy-soft) 100%);
  color:#fff;padding:36px 0 44px;text-align:center;
}
.post__head-inner{max-width:780px;margin:0 auto}
.post__head .post-tag{
  background:rgba(201,169,97,.15);color:var(--gold);
  border:1px solid rgba(201,169,97,.3);margin-bottom:18px;
}
.post__head h1{
  color:#fff;font-size:clamp(2rem,4vw,3rem);line-height:1.15;
  margin:0 0 22px;letter-spacing:-.01em;
}
.post__meta{
  display:flex;justify-content:center;gap:10px;flex-wrap:wrap;
  color:#cbd5e0;font-size:.9rem;font-weight:500;
}

.post__hero{
  width:100%;height:420px;background-size:cover;background-position:center;
  background-color:var(--bg);
}

.post__body{
  max-width:780px;padding:60px 24px 40px;
}
.post__lede{
  font-size:1.2rem;line-height:1.7;color:var(--ink);
  font-weight:400;margin:0 0 32px;
  border-bottom:1px solid var(--line);padding-bottom:28px;
}
.post__body h2{
  font-family:'Playfair Display',serif;color:var(--navy);
  font-size:1.55rem;margin:38px 0 14px;font-weight:600;line-height:1.25;
}
.post__body p{
  font-size:1.05rem;line-height:1.8;color:var(--ink);margin:0 0 20px;
}
.post__body p strong{color:var(--navy);font-weight:600}
.post__body a{
  color:var(--gold-dark);text-decoration:underline;
  text-decoration-color:rgba(201,169,97,.4);text-underline-offset:3px;
}
.post__body a:hover{color:var(--navy)}
.post__body a.btn,.post__cta a.btn{color:#fff;text-decoration:none}
.post__body a.btn:hover,.post__cta a.btn:hover{color:#fff}
.post__body ul{margin:0 0 20px 0;padding:0;color:var(--ink);line-height:1.8}
.post__body li{margin-bottom:8px}

.post__cta{
  margin-top:48px;background:var(--bg);border-left:3px solid var(--gold);
  border-radius:var(--radius);padding:28px 30px;
}
.post__cta h3{
  font-family:'Playfair Display',serif;color:var(--navy);
  font-size:1.3rem;margin:0 0 8px;font-weight:600;
}
.post__cta p{color:var(--muted);margin:0 0 16px;line-height:1.6;font-size:1rem}

/* Related posts */
.related-posts{padding:70px 0 90px;background:var(--bg)}
.related-posts .eyebrow{color:var(--gold-dark)}

@media (max-width:900px){
  .post__hero{height:280px}
  .post__head{padding:28px 0 32px}
  .post__body{padding:44px 24px 30px}
}

/* === Online Forms === */
.forms-section{padding:50px 0 70px;background:#fff}
.forms-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.form-card{
  display:flex;flex-direction:column;background:#fff;
  border:1px solid var(--line);border-radius:var(--radius);
  padding:28px 24px;transition:all .25s ease;cursor:pointer;
  border-top:3px solid var(--gold);
}
.form-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--gold)}
.form-card__icon{font-size:2.5rem;margin-bottom:14px;line-height:1}
.form-card__body{flex:1;display:flex;flex-direction:column}
.form-card h3{
  font-family:'Playfair Display',serif;color:var(--navy);
  font-size:1.18rem;margin:0 0 10px;line-height:1.3;font-weight:600;
}
.form-card__sub{color:var(--muted);font-size:.92rem;line-height:1.55;margin:0 0 16px;flex:1}
.form-card__link{
  color:var(--gold-dark);font-weight:600;font-size:.88rem;
  letter-spacing:.3px;display:inline-block;
}
.form-card:hover .form-card__link{color:var(--navy)}
.forms-note{
  margin-top:32px;font-size:.92rem;color:var(--muted);
  line-height:1.65;text-align:center;
}
.forms-note a{color:var(--gold-dark);font-weight:600}

@media (max-width:900px){
  .forms-grid{grid-template-columns:1fr;gap:18px}
}

/* === FAQ page (with categories) === */
.faq-page{padding:50px 0 80px;background:#fff}
.faq-cat{margin-bottom:50px}
.faq-cat__title{
  font-family:'Playfair Display',serif;color:var(--navy);
  font-size:1.6rem;margin:0 0 22px;display:flex;align-items:center;gap:14px;
  padding-bottom:14px;border-bottom:1px solid var(--line);position:relative;
}
.faq-cat__title::after{
  content:"";position:absolute;left:0;bottom:-1px;width:60px;height:2px;background:var(--gold);
}
.faq-cat__tag{
  display:inline-block;background:transparent;color:var(--red);
  font-family:'Inter',sans-serif;font-size:1.1rem;font-weight:700;letter-spacing:.5px;
  padding:0;width:auto;height:auto;
}

/* === Mortgage Calculator === */
.calc-section{padding:50px 0 80px;background:#fff}
.calc-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:36px;align-items:start}
.calc-h2{
  font-family:'Playfair Display',serif;color:var(--navy);
  font-size:1.5rem;margin:0 0 22px;font-weight:600;
}
.calc-h2--light{color:#fff}

.calc-inputs{background:var(--bg);padding:32px 28px;border-radius:var(--radius);border-left:3px solid var(--gold)}
.calc-field{margin-bottom:18px}
.calc-field label{
  display:flex;justify-content:space-between;align-items:center;
  font-size:.82rem;color:var(--navy);font-weight:600;letter-spacing:.5px;
  text-transform:uppercase;margin-bottom:7px;
}
.calc-aux{font-size:.78rem;color:var(--gold-dark);font-weight:600;text-transform:none;letter-spacing:0}
.calc-input{
  display:flex;align-items:center;background:#fff;
  border:1px solid var(--line);border-radius:6px;overflow:hidden;
  transition:border-color .15s ease, box-shadow .15s ease;
}
.calc-input:focus-within{border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,169,97,.15)}
.calc-input span{padding:0 12px;color:var(--muted);font-weight:600;background:var(--bg)}
.calc-input input{
  flex:1;border:0;padding:12px 12px;font:inherit;font-weight:600;color:var(--navy);
  font-size:1.02rem;background:#fff;outline:none;min-width:0;
}
.calc-select{
  width:100%;padding:12px 14px;border:1px solid var(--line);
  border-radius:6px;font:inherit;background:#fff;color:var(--navy);font-weight:600;
}
.calc-select:focus{outline:2px solid var(--gold);outline-offset:1px}
.calc-range{
  -webkit-appearance:none;appearance:none;width:100%;height:6px;
  background:#e5e7eb;border-radius:3px;outline:none;margin-top:10px;
}
.calc-range::-webkit-slider-thumb{
  -webkit-appearance:none;appearance:none;width:18px;height:18px;
  background:var(--gold);border-radius:50%;cursor:pointer;border:2px solid #fff;
  box-shadow:0 1px 4px rgba(0,0,0,.2);
}
.calc-range::-moz-range-thumb{
  width:18px;height:18px;background:var(--gold);border-radius:50%;cursor:pointer;border:2px solid #fff;
}
.calc-note{margin:18px 0 0;font-size:.82rem;color:var(--muted);line-height:1.55}

.calc-results{
  background:var(--navy);color:#fff;padding:32px 28px;
  border-radius:var(--radius);border-top:3px solid var(--gold);
}
.calc-total{
  display:flex;justify-content:space-between;align-items:baseline;
  padding-bottom:18px;border-bottom:1px solid rgba(255,255,255,.12);margin-bottom:18px;
}
.calc-total__label{font-size:.88rem;letter-spacing:1px;text-transform:uppercase;color:#cbd5e0;font-weight:600}
.calc-total__value{font-family:'Playfair Display',serif;font-size:2.4rem;color:var(--gold);font-weight:600}

.calc-breakdown{display:flex;flex-direction:column;gap:10px;margin-bottom:24px}
.calc-row{
  display:flex;justify-content:space-between;align-items:center;
  padding:10px 0;color:#e2e8f0;font-size:.95rem;
}
.calc-row__label{display:flex;align-items:center;gap:10px}
.calc-row__value{font-weight:600;color:#fff;font-size:1.02rem}
.dot{width:10px;height:10px;border-radius:50%;display:inline-block}
.dot--1{background:var(--gold)}
.dot--2{background:#5DA9E9}
.dot--3{background:#7DCFB6}
.dot--4{background:#E8743B}
.dot--5{background:#B388EB}

.calc-summary{
  display:grid;grid-template-columns:repeat(3,1fr);gap:10px;
  padding:18px 0;border-top:1px solid rgba(255,255,255,.12);margin-bottom:20px;
}
.calc-summary div{display:flex;flex-direction:column;gap:4px;text-align:center}
.calc-summary__label{font-size:.75rem;color:#a0aec0;text-transform:uppercase;letter-spacing:.8px;font-weight:600}
.calc-summary__value{font-family:'Playfair Display',serif;color:var(--gold);font-size:1.1rem;font-weight:600}

.calc-cta{width:100%;text-align:center;display:block}

@media (max-width:900px){
  .calc-grid{grid-template-columns:1fr;gap:24px}
  .calc-total__value{font-size:1.9rem}
  .calc-summary{grid-template-columns:1fr;text-align:left}
  .calc-summary div{flex-direction:row;justify-content:space-between;align-items:baseline;text-align:left}
}

/* Policy pages (Privacy, Accessibility, etc.) */
.policy{padding:60px 0 90px;background:#fff}
.policy__wrap{max-width:820px;margin:0 auto}
.policy h2{
  font-family:'Playfair Display',serif;color:var(--navy);
  font-size:1.5rem;margin:36px 0 12px;padding-top:8px;
  border-top:1px solid var(--line);
}
.policy h2:first-child{border-top:0;padding-top:0;margin-top:0}
.policy p{color:var(--ink);line-height:1.75;margin:0 0 14px;font-size:1rem}
.policy ul{margin:0 0 18px;padding-left:22px;color:var(--ink);line-height:1.75}
.policy li{margin-bottom:8px}
.policy a{color:var(--gold-dark);text-decoration:underline;text-decoration-color:rgba(201,169,97,.4)}
.policy a:hover{color:var(--navy)}
.policy strong{color:var(--navy);font-weight:600}

/* Footer credit (unobtrusive) */
.footer__credit{
  margin-top:6px;font-size:.75rem;color:#5a6878;opacity:.7;
}
.footer__credit a{color:#7a8a9c;text-decoration:none}
.footer__credit a:hover{color:var(--gold);text-decoration:underline}

/* === Contact page === */
.contact-cards{padding:80px 0;background:#fff}
.contact-socials{display:flex;gap:12px}
.contact-socials a{
  width:42px;height:42px;border-radius:50%;display:grid;place-items:center;
  background:rgba(255,255,255,.08);color:#fff;border:1px solid rgba(255,255,255,.22);
  transition:all .25s ease;
}
.contact-socials a:hover{background:var(--red);border-color:var(--red);transform:translateY(-2px)}
.contact-cards__grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.info-card{
  background:var(--bg);padding:32px 24px;border-radius:var(--radius);
  text-align:center;border-top:3px solid var(--gold);
  transition:transform .25s ease,box-shadow .25s ease;
}
.info-card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.info-card__icon{font-size:2rem;margin-bottom:12px}
.info-card h3{color:var(--navy);margin-bottom:10px;font-family:'Playfair Display',serif;font-size:1.2rem}
.info-card p{margin:0 0 8px;color:var(--ink);line-height:1.55;font-size:.95rem}
.info-card a{color:var(--gold-dark);font-weight:600}
.info-card a:hover{color:var(--navy)}
.info-card__link{
  display:inline-block;margin-top:8px;font-size:.88rem;
  border-bottom:1px solid var(--gold);padding-bottom:1px;
}

.map{width:100%;height:420px;position:relative;background:var(--bg)}
.map iframe{width:100%;height:100%;border:0;display:block;filter:saturate(.92)}

@media (max-width: 900px){
  .contact-cards__grid{grid-template-columns:repeat(2,1fr)}
  .map{height:340px}
}
@media (max-width: 500px){
  .contact-cards__grid{grid-template-columns:1fr}
}

/* FAQ */
.refi-faq{padding:90px 0;background:var(--bg)}
.faq__grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;margin-top:30px}
.faq__item{background:#fff;padding:26px;border-radius:var(--radius);border-top:3px solid var(--gold);box-shadow:0 2px 12px rgba(11,37,69,.04)}
.faq__item h4{color:var(--navy);margin-bottom:8px}
.faq__item p{margin:0;color:var(--muted);line-height:1.65;font-size:.95rem}

/* Responsive: page content */
@media (max-width: 1000px){
  .services__grid{grid-template-columns:repeat(2,1fr)}
}
@media (max-width: 560px){
  .services__grid{grid-template-columns:1fr}
  .service-card__img{height:180px}
}
@media (max-width: 900px){
  .steps__grid,.t-grid{grid-template-columns:1fr}
  .why__grid,.rates__inner,.contact__grid{grid-template-columns:1fr}
  .why__img{height:280px}
  .strip__inner{justify-content:center;text-align:center}
  .hero{padding:0}
  .hero__grid{grid-template-columns:1fr;gap:0}
  .hero__visual img{height:auto;min-height:300px;max-height:380px}
  .hero__content{padding:40px 24px 28px}
  .hero__trust{gap:14px}
  .hero h1{font-size:clamp(2rem,7vw,2.6rem)}
  .steps{padding:44px 0}

  .refi-intro__grid,.refi-form__wrap,.faq__grid{grid-template-columns:1fr}
  .form__row{grid-template-columns:1fr}
  .refi-hero__grid{grid-template-columns:1fr;gap:36px}
  .refi-hero{padding:30px 0 50px}
  .refi-multistep{padding:24px 20px}
  .refi-tiles,.refi-tiles--5{grid-template-columns:repeat(2,1fr)}
  .form{padding:22px;max-width:100%;overflow:hidden}
  .form input,.form textarea,.form select{font-size:16px}
  .refi-hero__copy,.refi-hero__grid > *{min-width:0;max-width:100%}
  .g-recaptcha{transform:scale(0.85);transform-origin:0 0}
}
@media (max-width: 420px){
  .form{padding:18px}
}
@media (max-width: 480px){
  .refi-tiles,.refi-tiles--5{grid-template-columns:1fr}
}

/* === Areas We Serve pages === */
.area-hero{position:relative;overflow:hidden;color:#fff;padding:0;min-height:380px;display:flex;align-items:stretch}
.area-hero__img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0}
.area-hero__overlay{position:absolute;inset:0;background:linear-gradient(135deg,rgba(26,26,26,.78) 0%,rgba(26,26,26,.62) 60%,rgba(26,26,26,.42) 100%);z-index:1}
.area-hero__content{position:relative;z-index:2;padding:48px 24px 60px;max-width:820px;align-self:center}
.area-hero h1{color:#fff;margin:14px 0 18px;line-height:1.1;font-size:clamp(2rem,4vw,3.2rem)}
.area-hero p{color:#e2e8f0;font-size:1.08rem;line-height:1.7;margin:0;max-width:680px}
@media (max-width:700px){.area-hero{min-height:300px}.area-hero__content{padding:38px 20px 44px}}

/* About — team grid */
.about-team-grid{display:grid;grid-template-columns:1fr 2fr;gap:48px;align-items:center;margin-top:20px}
@media (max-width:800px){.about-team-grid{grid-template-columns:1fr;gap:30px}}

/* Steve bio: float on desktop, stack on mobile */
.steve-card{float:left;width:260px;margin:0 30px 20px 0;shape-outside:margin-box}
@media (max-width:700px){
  .steve-card{float:none;width:100%;max-width:340px;margin:0 auto 28px}
  .steve-wrap{text-align:left}
}

/* Office image overlay readability */
.office-section{overflow:hidden}
.office-section__scrim{
  position:absolute;left:0;right:0;bottom:0;height:65%;
  background:linear-gradient(to top,rgba(0,0,0,.78) 0%,rgba(0,0,0,.55) 45%,rgba(0,0,0,0) 100%);
  z-index:1;pointer-events:none;
}
.office-section__copy{z-index:2}
@media (max-width:700px){
  .office-section__img{min-height:340px;object-fit:cover}
  .office-section__scrim{height:78%;background:linear-gradient(to top,rgba(0,0,0,.88) 0%,rgba(0,0,0,.7) 40%,rgba(0,0,0,.2) 90%,rgba(0,0,0,0) 100%)}
  .office-section__copy{left:18px !important;right:18px !important;bottom:22px !important}
  .office-section__copy h2{font-size:1.4rem !important}
  .office-section__copy p{font-size:.95rem !important}
}

/* About — comparison table */
.cmp-table{
  max-width:980px;margin:0 auto;border:1px solid var(--line);border-radius:10px;overflow:hidden;
  box-shadow:0 4px 24px rgba(26,26,26,.05);background:#fff;
}
.cmp-row{display:grid;grid-template-columns:1.1fr 1.4fr 1.4fr;border-top:1px solid var(--line)}
.cmp-row:first-child{border-top:0}
.cmp-cell{padding:18px 24px;display:flex;align-items:center;gap:12px;font-size:1rem}
.cmp-cell--label{
  background:var(--cream);font-family:'Playfair Display',serif;font-weight:600;color:var(--ink);
  font-size:.95rem;border-right:1px solid var(--line);
}
.cmp-cell--bank{color:var(--muted);border-right:1px solid var(--line)}
.cmp-cell--sig{background:#fff5f6;color:var(--ink);font-weight:500}
.cmp-row--head .cmp-cell{
  font-family:'Playfair Display',serif;font-weight:700;font-size:1.05rem;
  padding:22px 24px;letter-spacing:.3px;
}
.cmp-row--head .cmp-cell--bank{background:#f4f4f4;color:var(--ink)}
.cmp-row--head .cmp-cell--sig{background:var(--red);color:#fff}
.cmp-ico{
  display:inline-flex;align-items:center;justify-content:center;
  width:24px;height:24px;border-radius:50%;font-size:.85rem;font-weight:700;flex-shrink:0;
}
.cmp-ico--yes{background:#16a34a;color:#fff}
.cmp-ico--no{background:#e5e5e5;color:#999}
@media (max-width:780px){
  .cmp-row{grid-template-columns:1fr 1fr}
  .cmp-cell--label{grid-column:1 / -1;border-right:0;border-bottom:1px solid var(--line);padding:12px 16px 8px;font-size:.92rem}
  .cmp-row--head .cmp-cell--label{display:none}
  .cmp-cell{padding:14px 16px;font-size:.92rem}
}