/* ==========================================================================
   BANKER DAD — Design System (Revision 7 — bold/high-contrast restyle)
   Nate Alwerfalli | West Capital Lending | NMLS #1195251
   Deep navy + white + bright blue accent. Bold sans headline hierarchy,
   sharp contrast, tighter sections. Restyled from the prior cream/gold
   editorial-serif system per Nate's flyer-style visual direction — same
   structure and content, new visual language.
   ========================================================================== */

/* ---------- Tokens ---------- */
:root{
  /* Color: deep navy + white + bright blue accent — bold, high-contrast */
  --ink:        #0E1B33;   /* primary text, dark surfaces */
  --ink-2:      #16274A;   /* secondary dark surface */
  --ink-soft:   #4B5A72;   /* muted text on light */
  --paper:      #FFFFFF;   /* base background — white, not cream */
  --paper-2:    #EEF3FB;   /* cool light blue-gray, alternating sections */
  --card:       #FFFFFF;   /* card surfaces */
  --line:       #DCE3EF;   /* hairline on light */
  --line-soft:  #E8EDF6;
  --line-dark:  rgba(255,255,255,0.14); /* hairline on navy */
  --gold:       #2454D9;   /* bright blue accent — primary CTA / highlight */
  --gold-deep:  #17389E;   /* accent hover / pressed */
  --gold-soft:  #E5EDFC;   /* accent tint — badges, quote marks, chip hover */
  --pending-bg: #EEF1F6;
  --pending-line:#C7D0DE;
  --pending-text:#5B6472;
  --focus:      #2F6FDE;
  --ink-deep:   #060C18;   /* deepest navy — bottom compliance strip only */

  /* Type: bold sans hierarchy, no serif — high-contrast, fast to read */
  --font-display: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;

  /* Spacing scale */
  --space-1: 0.5rem;
  --space-2: 0.875rem;
  --space-3: 1.5rem;
  --space-4: 2.25rem;
  --space-5: 3.5rem;
  --space-6: 5.5rem;
  --space-7: 8rem;

  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 22px;
  --radius-pill: 999px;

  --shadow-card: 0 1px 2px rgba(14,27,51,0.04), 0 12px 32px -16px rgba(14,27,51,0.18);
  --shadow-lift: 0 20px 48px -20px rgba(14,27,51,0.35);

  --container: 1160px;
  --container-narrow: 780px;
}

/* ---------- Reset ---------- */
*, *::before, *::after{ box-sizing: border-box; }
html{ scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body{
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img{ max-width: 100%; display: block; }
a{ color: inherit; text-decoration: none; }
ul{ margin: 0; padding: 0; list-style: none; }
h1,h2,h3,h4,p,figure{ margin: 0; }
button{ font: inherit; color: inherit; background: none; border: 0; cursor: pointer; }
input, textarea{ font: inherit; }
:focus-visible{ outline: 3px solid var(--focus); outline-offset: 2px; }

@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior: auto; }
  *{ animation-duration: 0.001ms !important; transition-duration: 0.001ms !important; }
}

/* ---------- Layout helpers ---------- */
.wrap{
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 1.25rem;
}
.wrap--narrow{ max-width: var(--container-narrow); }
.section{ padding: var(--space-6) 0; }
.section--tight{ padding: var(--space-5) 0; }
.section--alt{ background: var(--paper-2); }
.section--ink{ background: var(--ink); color: var(--paper); }
.section--ink .eyebrow{ color: var(--gold-soft); }

.section-head{ max-width: 640px; margin-bottom: var(--space-4); }
.section-head--center{ margin-left: auto; margin-right: auto; text-align: center; }

.eyebrow{
  display: inline-flex;
  align-items: center;
  gap: 0.5em;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.8rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-deep);
  margin-bottom: var(--space-2);
}
.eyebrow::before{
  content: "";
  width: 22px; height: 1px;
  background: currentColor;
  display: inline-block;
}

h1, .h1{
  font-family: var(--font-display);
  font-weight: 800;
  font-size: clamp(2.2rem, 5.8vw, 3.6rem);
  line-height: 1.03;
  letter-spacing: -0.02em;
  color: var(--ink);
}
h2, .h2{
  font-family: var(--font-display);
  font-weight: 800;
  font-size: clamp(1.6rem, 3.6vw, 2.3rem);
  line-height: 1.12;
  letter-spacing: -0.015em;
  color: var(--ink);
}
h3, .h3{
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.2rem;
  line-height: 1.3;
  letter-spacing: -0.005em;
  color: var(--ink);
}
.section--ink h1, .section--ink h2, .section--ink h3{ color: var(--paper); }

.lede{
  font-size: 1.1rem;
  line-height: 1.6;
  color: var(--ink-soft);
  max-width: 54ch;
}
.section--ink .lede{ color: rgba(255,255,255,0.78); }

.body-text{ color: var(--ink-soft); max-width: 60ch; }
.body-text + .body-text{ margin-top: 1em; }

/* ---------- Buttons ---------- */
.btn{
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.95rem 1.6rem;
  border-radius: var(--radius-pill);
  font-weight: 600;
  font-size: 0.98rem;
  line-height: 1;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background-color 0.15s ease, border-color 0.15s ease;
  white-space: nowrap;
}
.btn-primary{
  background: var(--gold);
  color: var(--paper);
  box-shadow: var(--shadow-card);
}
.btn-primary:hover{ background: var(--gold-deep); color: var(--paper); transform: translateY(-1px); }
.btn-secondary{
  background: transparent;
  color: var(--ink);
  border: 1.5px solid var(--ink);
}
.section--ink .btn-secondary,
.hero .btn-secondary,
.rlt-hero .btn-secondary,
.realtor-panel .btn-secondary,
.rlt-contact-block .btn-secondary{ color: var(--paper); border-color: rgba(255,255,255,0.5); }
.btn-secondary:hover{ background: var(--ink); color: var(--paper); }
.section--ink .btn-secondary:hover,
.hero .btn-secondary:hover,
.rlt-hero .btn-secondary:hover,
.realtor-panel .btn-secondary:hover,
.rlt-contact-block .btn-secondary:hover{ background: var(--paper); color: var(--ink); }
.btn-ghost{
  color: var(--ink);
  font-weight: 600;
  border-bottom: 1.5px solid var(--gold);
  border-radius: 0;
  padding: 0.2rem 0;
}
.section--ink .btn-ghost,
.hero .btn-ghost,
.rlt-hero .btn-ghost,
.realtor-panel .btn-ghost{ color: var(--paper); }
.btn-block{ width: 100%; }
.btn-lg{ padding: 1.1rem 1.8rem; font-size: 1.05rem; }

.cta-row{ display: flex; flex-wrap: wrap; gap: 0.85rem; align-items: center; }

/* ---------- Header / Nav ---------- */
.site-header{
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,0.92);
  backdrop-filter: saturate(140%) blur(10px);
  border-bottom: 1px solid var(--line);
}
.site-header .wrap{
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}
.brand{ display: flex; align-items: center; gap: 0.6rem; }
.brand-mark{ width: 38px; height: 38px; flex-shrink: 0; object-fit: contain; }
.brand-word{
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.18rem;
  letter-spacing: -0.01em;
  color: var(--ink);
  line-height: 1;
}
.brand-word small{
  display: block;
  font-family: var(--font-body);
  font-weight: 500;
  font-size: 0.62rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin-top: 3px;
}

.nav-links{
  display: none;
  align-items: center;
  gap: var(--space-4);
}
.nav-links a{
  font-weight: 500;
  font-size: 0.95rem;
  color: var(--ink-soft);
  transition: color 0.15s ease;
}
.nav-links a:hover{ color: var(--ink); }

.header-actions{ display: flex; align-items: center; gap: 0.6rem; }
.header-actions .btn-primary{ display: none; }
.header-phone{
  display: none;
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--ink);
}
@media (min-width: 560px){
  .header-actions .btn-primary{ display: inline-flex; }
}
/* Simple headers (e.g. /realtors/): below 900px the persistent sticky mobile
   action bar already surfaces Save Contact, so the header button is hidden
   to avoid showing the same action twice — it reappears at desktop width. */
.header-actions--simple .btn-primary{ display: none; }
@media (min-width: 900px){
  .header-actions--simple .btn-primary{ display: inline-flex; padding: 0.95rem 1.6rem; font-size: 0.98rem; }
}
.nav-toggle{
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px; height: 42px;
  border-radius: var(--radius-sm);
}
.nav-toggle span, .nav-toggle::before, .nav-toggle::after{
  content: "";
  display: block;
  width: 20px; height: 2px;
  background: var(--ink);
  position: relative;
  transition: transform 0.2s ease, opacity 0.2s ease;
}
.nav-toggle::before{ transform: translateY(-6px); }
.nav-toggle::after{ transform: translateY(4px); }
.nav-toggle[aria-expanded="true"] span{ opacity: 0; }
.nav-toggle[aria-expanded="true"]::before{ transform: translateY(0) rotate(45deg); }
.nav-toggle[aria-expanded="true"]::after{ transform: translateY(-2px) rotate(-45deg); }

.mobile-menu{
  display: none;
  flex-direction: column;
  background: var(--paper);
  border-bottom: 1px solid var(--line);
  padding: var(--space-2) 1.25rem var(--space-4);
}
.mobile-menu.is-open{ display: flex; }
.mobile-menu a{
  padding: 0.85rem 0;
  border-bottom: 1px solid var(--line-soft);
  font-weight: 500;
  font-size: 1.02rem;
}
.mobile-menu .cta-row{ margin-top: var(--space-2); flex-direction: column; align-items: stretch; }

@media (min-width: 900px){
  .nav-links{ display: flex; }
  .header-phone{ display: inline-block; }
  .nav-toggle{ display: none; }
  .mobile-menu{ display: none !important; }
}

/* ---------- Hero ---------- */
.hero{
  position: relative;
  background: var(--ink);
  color: var(--paper);
  overflow: hidden;
  padding: var(--space-6) 0 var(--space-6);
}
.hero::before{
  content: "";
  position: absolute; inset: 0;
  background:
    radial-gradient(60% 55% at 82% 8%, rgba(36,84,217,0.20), transparent 60%),
    radial-gradient(50% 40% at 10% 100%, rgba(36,84,217,0.10), transparent 60%);
  pointer-events: none;
}
.hero .wrap{ position: relative; }
.hero-grid{
  display: grid;
  gap: var(--space-5);
  align-items: center;
}
@media (min-width: 960px){
  .hero-grid{ gap: var(--space-6); }
}
.hero-eyebrow{
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  font-weight: 600;
  font-size: 0.78rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-soft);
  margin-bottom: var(--space-3);
}
.hero-eyebrow .dot{ width: 6px; height: 6px; border-radius: 50%; background: var(--gold); }
.hero h1{ color: var(--paper); font-weight: 900; letter-spacing: -0.025em; }
.hero .lede{ margin-top: var(--space-2); color: rgba(255,255,255,0.8); }
.hero .cta-row{ margin-top: var(--space-4); }

.hero-identity{
  margin-top: var(--space-5);
  display: flex;
  align-items: center;
  gap: 1rem;
  padding-top: var(--space-4);
  border-top: 1px solid var(--line-dark);
}
.hero-photo{
  width: 64px; height: 64px;
  border-radius: 50%;
  overflow: hidden;
  flex-shrink: 0;
  background: linear-gradient(160deg, #2A3E54, #1A2A3B);
  border: 1px solid rgba(255,255,255,0.18);
  display: flex; align-items: center; justify-content: center;
}
.hero-photo img{ width: 100%; height: 100%; object-fit: cover; }
.hero-photo .initials{
  font-family: var(--font-display);
  font-size: 1.1rem;
  color: var(--gold-soft);
}
.hero-identity-text .name{ font-weight: 600; font-size: 1rem; }
.hero-identity-text .role{ font-size: 0.88rem; color: rgba(255,255,255,0.68); }

.hero-card{
  background: var(--ink-2);
  border: 1px solid var(--line-dark);
  border-radius: var(--radius-lg);
  padding: var(--space-4);
  box-shadow: var(--shadow-lift);
}
.hero-card-photo{
  width: 100%;
  aspect-ratio: 4/5;
  border-radius: var(--radius-md);
  overflow: hidden;
  background:
    linear-gradient(160deg, #26374B, #16222F);
  display: flex; align-items: center; justify-content: center;
  position: relative;
}
.hero-card-photo img{ width: 100%; height: 100%; object-fit: cover; object-position: 50% 12%; }
.hero-card-photo .placeholder-mark{
  font-family: var(--font-display);
  font-size: 3.2rem;
  color: rgba(255,255,255,0.25);
}
.hero-card-caption{
  margin-top: var(--space-3);
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 1rem;
}
.hero-card-caption .name{ font-family: var(--font-display); font-size: 1.15rem; color: var(--paper); }
.hero-card-caption .nmls{ font-size: 0.78rem; color: rgba(255,255,255,0.55); }

@media (min-width: 960px){
  .hero-grid{ grid-template-columns: 1.15fr 0.85fr; }
}

/* ---------- Credibility strip ---------- */
.stat-strip{
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.stat-cell{
  background: var(--card);
  padding: var(--space-4) var(--space-3);
  text-align: center;
}
.stat-num{
  font-family: var(--font-display);
  font-size: clamp(1.7rem, 4vw, 2.3rem);
  font-weight: 600;
  color: var(--ink);
  line-height: 1;
}
.stat-label{
  margin-top: 0.5rem;
  font-size: 0.82rem;
  color: var(--ink-soft);
  line-height: 1.35;
}
@media (min-width: 720px){
  .stat-strip{ grid-template-columns: repeat(4, 1fr); }
}

/* Pending / placeholder data marker — visible so nothing reads as a fabricated claim */
.pending{
  display: inline-flex;
  align-items: center;
  gap: 0.35em;
  font-size: 0.68rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  color: var(--pending-text);
  background: var(--pending-bg);
  border: 1px dashed var(--pending-line);
  border-radius: var(--radius-pill);
  padding: 0.2em 0.6em;
  margin-top: 0.5rem;
}
.pending::before{ content: "●"; font-size: 0.5em; }

/* ---------- Brand story (Banker + Dad) ---------- */
.story-grid{
  display: grid;
  gap: var(--space-3);
}
.story-card{
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: var(--space-4);
  box-shadow: var(--shadow-card);
}
.story-card .num{
  font-family: var(--font-display);
  font-size: 0.95rem;
  color: var(--gold-deep);
  margin-bottom: var(--space-2);
}
.story-card h3{ margin-bottom: 0.6rem; }
.story-card p{ color: var(--ink-soft); font-size: 0.98rem; }
@media (min-width: 800px){
  .story-grid{ grid-template-columns: repeat(3, 1fr); }
}

/* ---------- Reviews ---------- */
.review-meta{
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: var(--space-4);
}
.review-count{
  font-family: var(--font-display);
  font-size: 1.05rem;
}
.review-source-link{
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--gold-deep);
  border-bottom: 1px solid var(--gold);
}
.review-disclosure{
  font-size: 0.83rem;
  color: var(--ink-soft);
  background: var(--paper-2);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 0.9rem 1.1rem;
  margin-bottom: var(--space-4);
  max-width: 68ch;
}

.review-grid{
  display: grid;
  gap: var(--space-3);
}
.review-card{
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: var(--space-4) var(--space-3) var(--space-3);
  display: flex;
  flex-direction: column;
  gap: 0.9rem;
  position: relative;
}
.review-card::before{
  content: "\201C";
  position: absolute;
  top: -0.3rem; left: var(--space-3);
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 3rem;
  line-height: 1;
  color: rgba(36,84,217,0.16);
}
.review-card.is-placeholder{
  background: var(--pending-bg);
  border: 1px dashed var(--pending-line);
  box-shadow: none;
}
.review-stars{ color: var(--gold); font-size: 0.95rem; letter-spacing: 0.1em; }
.review-quote{ font-size: 0.98rem; color: var(--ink); line-height: 1.55; position: relative; z-index: 1; }
.review-card.is-placeholder .review-quote{ color: var(--pending-text); font-style: italic; }
.review-attr{
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 0.82rem;
  color: var(--ink-soft);
  border-top: 1px solid var(--line-soft);
  padding-top: 0.75rem;
}
@media (min-width: 720px){
  .review-grid{ grid-template-columns: repeat(2, 1fr); }
}
@media (min-width: 1050px){
  .review-grid{ grid-template-columns: repeat(3, 1fr); }
}
.reviews-archive{ display: none; }
.reviews-archive.is-open{ display: grid; }
.review-toggle-row{ text-align: center; margin-top: var(--space-4); }

/* Review highlight tags — paraphrased, factual themes a reviewer covered;
   never presented as a verbatim quote. */
.review-quote--pending{
  font-style: italic;
  color: var(--pending-text);
}
.tag-row{ display: flex; flex-wrap: wrap; gap: 0.4rem; }
.tag{
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--ink-soft);
  background: var(--paper-2);
  border: 1px solid var(--line);
  border-radius: var(--radius-pill);
  padding: 0.28em 0.7em;
}

.reviews-remainder{
  margin-top: var(--space-3);
  font-size: 0.88rem;
  color: var(--ink-soft);
  text-align: center;
}

/* Spotlight reviews (Realtor page — named, source-anchored) */
.spotlight-grid{
  display: grid;
  gap: var(--space-3);
}
.spotlight-card{
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: var(--space-4);
  position: relative;
}
.spotlight-card::before{
  content: "\201C";
  position: absolute;
  top: 0rem; left: var(--space-3);
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 3.4rem;
  line-height: 1;
  color: rgba(36,84,217,0.16);
}
.spotlight-card .review-quote{ position: relative; z-index: 1; }
.spotlight-card .review-stars{ margin-bottom: 0.6rem; }
.spotlight-card .tag-row{ margin: 0.9rem 0; }
.spotlight-card .review-attr{ border-top: 1px solid var(--line-soft); padding-top: 0.85rem; position: relative; z-index: 1; }
.spotlight-card .name{ font-weight: 700; color: var(--ink); }
@media (min-width: 720px){
  .spotlight-grid{ grid-template-columns: repeat(2, 1fr); }
}

/* ---------- Credibility bar (confirmed facts, no invented numbers) ---------- */
.cred-bar{
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: center;
  gap: 0.4rem 0;
  text-align: center;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  padding: var(--space-3) 0;
}
.cred-item{
  font-size: 0.86rem;
  font-weight: 600;
  color: var(--ink-soft);
  padding: 0 1rem;
  white-space: nowrap;
}
.cred-item strong{ color: var(--ink); font-weight: 700; }
.cred-sep{
  color: var(--line);
  font-size: 0.9rem;
}
@media (max-width: 640px){
  .cred-bar{ flex-direction: column; gap: 0.5rem; }
  .cred-sep{ display: none; }
}

/* ---------- Realtor trust section ---------- */
.realtor-panel{
  background: var(--ink);
  color: var(--paper);
  border-radius: var(--radius-lg);
  padding: var(--space-5) var(--space-4);
  position: relative;
  overflow: hidden;
}
.realtor-panel::before{
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(50% 60% at 90% 0%, rgba(36,84,217,0.18), transparent 60%);
}
.realtor-panel .wrap-inner{ position: relative; }
.realtor-panel h2{ color: var(--paper); max-width: 18ch; }
.realtor-panel .lede{ color: rgba(255,255,255,0.78); margin-top: var(--space-2); }

.trust-grid{
  margin-top: var(--space-5);
  display: grid;
  gap: 1px;
  background: var(--line-dark);
  border: 1px solid var(--line-dark);
  border-radius: var(--radius-md);
  overflow: hidden;
}
.trust-cell{
  background: rgba(255,255,255,0.03);
  padding: var(--space-3);
}
.trust-cell h3{ color: var(--paper); font-size: 1.02rem; }
.trust-cell p{ margin-top: 0.4rem; font-size: 0.9rem; color: rgba(255,255,255,0.68); }
@media (min-width: 720px){
  .trust-grid{ grid-template-columns: repeat(2, 1fr); }
}
@media (min-width: 1050px){
  .trust-grid{ grid-template-columns: repeat(3, 1fr); }
}
.realtor-panel .cta-row{ margin-top: var(--space-4); }

/* ---------- Loan options — editorial pill list, not a boxy grid ---------- */
.loan-grid{
  display: flex;
  flex-wrap: wrap;
  gap: 0.7rem;
}
.loan-chip{
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius-pill);
  padding: 0.75rem 1.35rem;
  transition: border-color 0.15s ease, background-color 0.15s ease;
}
.loan-chip:hover{ border-color: var(--gold); background: var(--gold-soft); }
.loan-chip .label{ font-weight: 600; font-size: 0.94rem; color: var(--ink); white-space: nowrap; }
.loan-chip .desc{ margin-top: 0.25rem; font-size: 0.82rem; color: var(--ink-soft); }

/* ---------- Local story ---------- */
.local-story{
  display: grid;
  gap: var(--space-4);
  align-items: center;
}
.local-story-figure{
  aspect-ratio: 16/10;
  border-radius: var(--radius-lg);
  background: linear-gradient(160deg, var(--paper-2), var(--line-soft));
  border: 1px solid var(--line);
  display: flex; align-items: center; justify-content: center;
  overflow: hidden;
}
.local-story-figure img{ width: 100%; height: 100%; object-fit: cover; }
.local-story-figure .placeholder-mark{ font-family: var(--font-display); font-size: 2.4rem; color: var(--line); }
@media (min-width: 900px){
  .local-story{ grid-template-columns: 1fr 1fr; }
}

/* ---------- Referral / contact ---------- */
.contact-grid{
  display: grid;
  gap: var(--space-4);
}
.contact-card{
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: var(--space-4);
  box-shadow: var(--shadow-card);
}
.contact-quick{
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}
.contact-quick a{
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.9rem 1rem;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  font-weight: 600;
  transition: border-color 0.15s ease, background-color 0.15s ease;
}
.contact-quick a:hover{ border-color: var(--gold); background: var(--gold-soft); }
.contact-quick .ic{ width: 20px; text-align: center; color: var(--gold-deep); }

.field{ margin-bottom: 1rem; }
.field label{
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--ink-soft);
  margin-bottom: 0.35rem;
}
.field input, .field textarea{
  width: 100%;
  padding: 0.85rem 1rem;
  border-radius: var(--radius-sm);
  border: 1px solid var(--line);
  background: var(--paper);
  color: var(--ink);
}
.field input:focus, .field textarea:focus{ border-color: var(--gold); }
.field-row{ display: grid; gap: 1rem; }
@media (min-width: 640px){
  .field-row{ grid-template-columns: 1fr 1fr; }
}
.form-note{ font-size: 0.78rem; color: var(--ink-soft); margin-top: 0.75rem; }
.hp-field{ position: absolute; left: -9999px; top: -9999px; }

@media (min-width: 900px){
  .contact-grid{ grid-template-columns: 0.85fr 1.15fr; }
}

/* ---------- Compliance footer ---------- */
.site-footer{
  background: var(--ink);
  color: rgba(255,255,255,0.7);
  padding: var(--space-5) 0 var(--space-4);
}
.footer-top{
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: var(--space-4);
  padding-bottom: var(--space-4);
  border-bottom: 1px solid var(--line-dark);
}
.footer-brand .brand-word{ color: var(--paper); }
.footer-brand .brand-word small{ color: rgba(255,255,255,0.55); }
.footer-cols{ display: flex; flex-wrap: wrap; gap: var(--space-5); }
.footer-col h4{
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  margin-bottom: 0.75rem;
}
.footer-col a, .footer-col p{
  display: block;
  font-size: 0.9rem;
  color: rgba(255,255,255,0.82);
  margin-bottom: 0.5rem;
}
.footer-col a:hover{ color: var(--gold-soft); }

.compliance{
  margin-top: var(--space-4);
  font-size: 0.78rem;
  line-height: 1.6;
  color: rgba(255,255,255,0.55);
  max-width: 90ch;
}
.compliance .eho{
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  margin-right: 0.5rem;
}
.footer-bottom{
  margin-top: var(--space-3);
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 0.5rem;
  font-size: 0.75rem;
  color: rgba(255,255,255,0.4);
}

/* ---------- Utilities ---------- */
.sr-only{
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}
.skip-link{
  position: absolute;
  left: 1rem; top: -60px;
  background: var(--gold);
  color: var(--paper);
  padding: 0.75rem 1.1rem;
  border-radius: var(--radius-sm);
  font-weight: 600;
  z-index: 100;
  transition: top 0.15s ease;
}
.skip-link:focus{ top: 1rem; }

/* ---------- Realtors page specific ---------- */
.rlt-hero{
  background: var(--ink);
  color: var(--paper);
  padding: var(--space-5) 0 var(--space-5);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.rlt-hero::before{
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(60% 60% at 50% 0%, rgba(36,84,217,0.22), transparent 65%);
  pointer-events: none;
  z-index: 0;
}
.rlt-hero .wrap,
.rlt-hero .wrap-sm{ position: relative; z-index: 1; }
.rlt-photo{
  width: 108px; height: 108px;
  border-radius: 50%;
  margin: 0 auto var(--space-3);
  overflow: hidden;
  background: linear-gradient(160deg, #2A3E54, #1A2A3B);
  border: 2px solid var(--gold-soft);
  display: flex; align-items: center; justify-content: center;
}
.rlt-photo img{ width: 100%; height: 100%; object-fit: cover; object-position: 50% 12%; }
.rlt-photo .initials{ font-family: var(--font-display); font-size: 2rem; color: var(--gold-soft); }
.rlt-hero h1{ color: var(--paper); font-weight: 900; letter-spacing: -0.02em; font-size: clamp(1.9rem, 7vw, 2.7rem); max-width: 20ch; margin: 0 auto; }
.rlt-hero .role{ margin-top: 0.6rem; color: rgba(255,255,255,0.75); font-size: 1.02rem; }
.rlt-hero .nmls{ margin-top: 0.2rem; color: rgba(255,255,255,0.5); font-size: 0.82rem; }
.rlt-tagline{
  font-family: var(--font-display);
  font-weight: 500;
  font-size: clamp(1.15rem, 3.5vw, 1.4rem);
  line-height: 1.3;
  color: var(--gold-soft);
  margin-top: var(--space-2);
}
.rlt-hero .lede{ margin: var(--space-3) auto 0; text-align: center; color: rgba(255,255,255,0.8); }
.rlt-hero .cta-row{ justify-content: center; margin-top: var(--space-4); }
.rlt-quick-contact{
  margin-top: var(--space-4);
  display: flex;
  justify-content: center;
  gap: 0.6rem;
  flex-wrap: wrap;
}
.rlt-quick-contact a{
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.7rem 1.1rem;
  border-radius: var(--radius-pill);
  border: 1px solid rgba(255,255,255,0.3);
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--paper);
}
.rlt-quick-contact a:hover{ background: rgba(255,255,255,0.1); }

.rlt-pillars{
  display: grid;
  grid-template-columns: repeat(2,1fr);
  gap: 0.85rem;
}
.rlt-pillar{
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 1.25rem 1.1rem;
  box-shadow: var(--shadow-card);
  transition: border-color 0.15s ease, transform 0.15s ease;
}
.rlt-pillar:hover{ border-color: var(--gold); transform: translateY(-2px); }
.rlt-pillar-icon{
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--gold-soft);
  color: var(--gold-deep);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 0.85rem;
}
.rlt-pillar-icon svg{ width: 22px; height: 22px; }
.rlt-pillar .label{ font-weight: 700; font-size: 0.96rem; }
.rlt-pillar .desc{ margin-top: 0.3rem; font-size: 0.82rem; color: var(--ink-soft); }
@media (min-width: 720px){
  .rlt-pillars{ grid-template-columns: repeat(3,1fr); }
}

.rlt-contact-block{
  background: var(--ink);
  color: var(--paper);
  border-radius: var(--radius-lg);
  padding: var(--space-4);
  text-align: center;
}
.rlt-contact-block h2{ color: var(--paper); }
.rlt-contact-block .addr{ margin-top: var(--space-3); font-size: 0.88rem; color: rgba(255,255,255,0.65); }

/* Persistent mobile action bar — Realtor page only. Priority order:
   Save Contact > Talk Through a Scenario (call) > Refer a Client. */
.sticky-actions{
  display: none;
}
@media (max-width: 899px){
  .sticky-actions{
    display: grid;
    grid-template-columns: 1.3fr 1fr 1fr;
    position: fixed;
    left: 0; right: 0; bottom: 0;
    z-index: 60;
    background: rgba(14,27,51,0.96);
    backdrop-filter: blur(10px);
    border-top: 1px solid var(--line-dark);
    padding: 0.55rem 0.6rem calc(0.55rem + env(safe-area-inset-bottom));
    gap: 0.5rem;
  }
  .sticky-actions a{
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 0.15rem;
    padding: 0.5rem 0.3rem;
    border-radius: var(--radius-md);
    font-size: 0.72rem;
    font-weight: 700;
    line-height: 1.1;
    color: var(--paper);
  }
  .sticky-actions a .ic{ font-size: 1.05rem; }
  .sticky-actions a.is-primary{ background: var(--gold); color: var(--paper); }
  .sticky-actions a:not(.is-primary){ border: 1px solid rgba(255,255,255,0.25); }
  /* Keep the sticky bar from covering the last section's content / footer.
     Must include env(safe-area-inset-bottom) here too — the bar's own
     bottom padding grows on notched/home-indicator phones, so a flat px
     value under-clears the page content on exactly those devices. */
  body.has-sticky-actions{ padding-bottom: calc(88px + env(safe-area-inset-bottom)); }
}

/* container width helper reused on realtors page */
.wrap-sm{ max-width: 640px; margin: 0 auto; padding: 0 1.25rem; }

/* ---------- Bottom compliance strip (every page) ----------
   Deliberately thin and quiet — sits under the main footer, never
   competes with it. Two short lines that wrap cleanly on narrow
   screens without ever becoming a "section." No icon artwork is
   embedded here (none was supplied as an approved asset); "Equal
   Housing Lender" stays text-only, consistent with the footer above. */
.compliance-strip{
  background: var(--ink-deep);
  border-top: 1px solid var(--line-dark);
  padding: 0.8rem 1.25rem;
  text-align: center;
}
.compliance-strip p{
  margin: 0 auto;
  max-width: 760px;
  font-size: 0.72rem;
  line-height: 1.6;
  color: rgba(255,255,255,0.5);
  letter-spacing: 0.01em;
}
.compliance-strip p + p{ margin-top: 0.1rem; }
@media (min-width: 640px){
  .compliance-strip p{ font-size: 0.74rem; }
}