/* ═══════════════════════════════════════════════════════════
   GPC Financial Corporation — Redesign v2
   Theme: Modern Fintech — Slate + Teal + Warm White
   ═══════════════════════════════════════════════════════════ */

:root {
  --slate:       #0F172A;
  --slate-700:   #1E293B;
  --slate-500:   #334155;
  --teal:        #0D9488;
  --teal-dark:   #0F766E;
  --teal-light:  #14B8A6;
  --teal-pale:   #F0FDFA;
  --amber:       #F59E0B;
  --amber-light: #FCD34D;
  --white:       #FFFFFF;
  --warm-white:  #FAFAF7;
  --gray-50:     #F8FAFC;
  --gray-100:    #F1F5F9;
  --gray-200:    #E2E8F0;
  --gray-400:    #94A3B8;
  --gray-500:    #64748B;
  --gray-700:    #334155;
  --green:       #10B981;
  --red:         #EF4444;

  --radius-sm:  8px;
  --radius:     16px;
  --radius-lg:  24px;
  --radius-xl:  36px;
  --shadow-sm:  0 1px 3px rgba(15,23,42,0.06), 0 1px 2px rgba(15,23,42,0.04);
  --shadow:     0 4px 20px rgba(15,23,42,0.08), 0 2px 8px rgba(15,23,42,0.05);
  --shadow-md:  0 8px 32px rgba(15,23,42,0.10), 0 4px 12px rgba(15,23,42,0.06);
  --shadow-lg:  0 20px 60px rgba(15,23,42,0.14), 0 8px 24px rgba(15,23,42,0.08);
  --shadow-teal: 0 8px 28px rgba(13,148,136,0.28);
  --transition: 0.24s cubic-bezier(0.4,0,0.2,1);
}

*,*::before,*::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  background: var(--warm-white);
  color: var(--slate);
  line-height: 1.65;
  overflow-x: hidden;
}

/* ─── UTILITIES ─── */
.container { max-width: 1160px; margin: 0 auto; padding: 0 28px; }
.section    { padding: 96px 0; }
.section-alt{ background: var(--gray-50); }

.section-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 64px;
}
.section-label {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 14px;
}
.section-label::before,
.section-label::after {
  content: '';
  display: block;
  width: 24px;
  height: 1.5px;
  background: var(--teal);
  opacity: 0.5;
}
.section-header h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(28px, 4vw, 42px);
  color: var(--slate);
  line-height: 1.18;
  margin-bottom: 16px;
}
.section-header p {
  color: var(--gray-500);
  font-size: 17px;
  line-height: 1.75;
}

/* ─── BUTTONS ─── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  font-family: inherit;
  font-size: 14px;
  font-weight: 600;
  padding: 13px 28px;
  border-radius: 99px;
  border: 2px solid transparent;
  cursor: pointer;
  text-decoration: none;
  transition: var(--transition);
  white-space: nowrap;
  letter-spacing: 0.01em;
}
.btn-primary {
  background: var(--teal);
  color: var(--white);
  border-color: var(--teal);
}
.btn-primary:hover {
  background: var(--teal-dark);
  border-color: var(--teal-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-teal);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.35);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.1);
  border-color: rgba(255,255,255,0.7);
}
.btn-outline-sm {
  background: transparent;
  color: var(--teal);
  border-color: var(--teal);
  font-size: 13px;
  padding: 9px 22px;
}
.btn-outline-sm:hover {
  background: var(--teal);
  color: var(--white);
  box-shadow: var(--shadow-teal);
}
.btn-dark {
  background: var(--slate);
  color: var(--white);
  border-color: var(--slate);
}
.btn-dark:hover {
  background: var(--slate-700);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}
.btn-large { font-size: 15px; padding: 15px 36px; }

/* ─── HEADER ─── */
#header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  transition: box-shadow var(--transition);
}

/* Top info bar */
.header-topbar {
  background: var(--slate);
  padding: 0;
}
.topbar-inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 7px 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.topbar-licenses {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
}
.topbar-item {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 11px;
  font-weight: 500;
  color: rgba(255,255,255,0.6);
  letter-spacing: 0.01em;
}
.topbar-dot {
  color: rgba(255,255,255,0.2);
  font-size: 14px;
  line-height: 1;
}
.topbar-contact {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-shrink: 0;
}
.topbar-link {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 11px;
  font-weight: 600;
  color: var(--teal-light);
  text-decoration: none;
  transition: var(--transition);
  white-space: nowrap;
}
.topbar-link:hover { color: var(--white); }

/* Brand bar */
.header-brand-bar {
  background: var(--white);
  border-bottom: 1px solid var(--gray-100);
}
.brand-bar-inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 14px 28px;
  display: flex;
  align-items: center;
}
.brand-logo {
  display: flex;
  align-items: center;
  gap: 16px;
  text-decoration: none;
}
.brand-mark {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-dark) 100%);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  font-weight: 900;
  color: var(--white);
  letter-spacing: 0.04em;
  flex-shrink: 0;
  box-shadow: 0 6px 18px rgba(13,148,136,0.28);
}
.brand-text {
  display: flex;
  flex-direction: column;
  gap: 3px;
}
.brand-name {
  font-family: 'Playfair Display', serif;
  font-size: 26px;
  font-weight: 700;
  color: var(--slate);
  line-height: 1.1;
  letter-spacing: -0.01em;
}
.brand-tagline {
  font-size: 12px;
  font-weight: 500;
  color: var(--gray-400);
  letter-spacing: 0.02em;
}

/* Nav bar */
.nav-container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 28px;
  height: 52px;
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 4px;
  background: var(--gray-50);
  max-width: 100%;
}
.nav-container-inner {
  max-width: 1160px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: flex-end;
  width: 100%;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 2px;
  list-style: none;
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 28px;
  width: 100%;
  justify-content: flex-end;
}
.nav-links a {
  color: var(--gray-500);
  text-decoration: none;
  font-size: 13px;
  font-weight: 500;
  padding: 7px 14px;
  border-radius: 99px;
  transition: var(--transition);
}
.nav-links a:hover  { color: var(--slate); background: var(--gray-200); }
.nav-links a.active { color: var(--teal); }
.nav-links .nav-cta {
  background: var(--teal);
  color: var(--white);
  font-weight: 600;
  margin-left: 8px;
  padding: 8px 20px;
}
.nav-links .nav-cta:hover {
  background: var(--teal-dark);
  box-shadow: var(--shadow-teal);
}

/* Keep old .logo for footer */
.logo {
  display: flex;
  align-items: center;
  gap: 13px;
  text-decoration: none;
}
.logo-mark {
  width: 40px; height: 40px;
  background: linear-gradient(135deg, var(--teal), var(--teal-dark));
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  font-weight: 800;
  color: var(--white);
  letter-spacing: 0.02em;
  flex-shrink: 0;
}
.logo-text { display: flex; flex-direction: column; line-height: 1.2; }
.logo-name  { font-size: 14px; font-weight: 700; color: var(--white); }
.logo-sub   { font-size: 10px; color: rgba(255,255,255,0.35); letter-spacing: 0.06em; text-transform: uppercase; }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
  margin-right: auto;
}
.hamburger span {
  display: block;
  width: 24px; height: 2px;
  background: var(--slate);
  border-radius: 2px;
  transition: var(--transition);
}

/* ─── HERO ─── */
.hero {
  min-height: 100vh;
  background: linear-gradient(135deg, var(--slate) 0%, #1a3a5c 50%, #0F3460 100%);
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  padding: 182px 28px 80px;
}

/* Geometric background shapes */
.hero-bg {
  position: absolute;
  inset: 0;
  overflow: hidden;
}
.hero-bg::before {
  content: '';
  position: absolute;
  width: 700px; height: 700px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(13,148,136,0.18) 0%, transparent 70%);
  top: -200px; right: -100px;
}
.hero-bg::after {
  content: '';
  position: absolute;
  width: 500px; height: 500px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(245,158,11,0.08) 0%, transparent 70%);
  bottom: -100px; left: 100px;
}

.hero-content {
  position: relative;
  z-index: 1;
  max-width: 1160px;
  margin: 0 auto;
  width: 100%;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 64px;
  align-items: center;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--teal-light);
  background: rgba(13,148,136,0.12);
  border: 1px solid rgba(13,148,136,0.25);
  padding: 7px 16px;
  border-radius: 99px;
  margin-bottom: 28px;
}
.hero-badge::before {
  content: '';
  width: 7px; height: 7px;
  background: var(--teal-light);
  border-radius: 50%;
  animation: pulse 2s infinite;
}
@keyframes pulse {
  0%,100% { opacity: 1; transform: scale(1); }
  50%      { opacity: 0.5; transform: scale(1.3); }
}

.hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(42px, 5.5vw, 68px);
  color: var(--white);
  line-height: 1.08;
  margin-bottom: 24px;
  letter-spacing: -0.01em;
}
.hero h1 em {
  font-style: normal;
  color: var(--teal-light);
  position: relative;
}
.hero-sub {
  font-size: 17px;
  color: rgba(255,255,255,0.6);
  max-width: 480px;
  margin-bottom: 40px;
  line-height: 1.8;
}
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 56px; }

.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: rgba(255,255,255,0.08);
  border-radius: var(--radius);
  overflow: hidden;
  max-width: 420px;
}
.stat {
  background: rgba(255,255,255,0.05);
  padding: 18px 20px;
  display: flex;
  flex-direction: column;
  gap: 3px;
}
.stat-num {
  font-size: 26px;
  font-weight: 800;
  color: var(--teal-light);
  line-height: 1;
}
.stat-label { font-size: 11px; color: rgba(255,255,255,0.45); line-height: 1.4; }

/* Hero right panel — glass cards */
.hero-visual {
  display: flex;
  flex-direction: column;
  gap: 16px;
  position: relative;
}

.glass-card {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius);
  padding: 22px 24px;
  backdrop-filter: blur(12px);
  transition: var(--transition);
}
.glass-card:hover {
  background: rgba(255,255,255,0.11);
  border-color: rgba(13,148,136,0.4);
}
.glass-card-label {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.4);
  margin-bottom: 12px;
}
.glass-card-title {
  font-size: 16px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 4px;
}
.glass-card-sub { font-size: 13px; color: rgba(255,255,255,0.5); }
.glass-card-icon {
  width: 40px; height: 40px;
  background: rgba(13,148,136,0.2);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
}
.glass-card-row {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}
.glass-chip {
  display: inline-block;
  background: rgba(13,148,136,0.2);
  color: var(--teal-light);
  font-size: 12px;
  font-weight: 600;
  padding: 4px 11px;
  border-radius: 99px;
  margin-top: 8px;
}
.glass-rate-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-top: 14px;
}
.rate-item {
  background: rgba(255,255,255,0.05);
  border-radius: var(--radius-sm);
  padding: 12px 14px;
}
.rate-name { font-size: 11px; color: rgba(255,255,255,0.4); margin-bottom: 4px; }
.rate-val { font-size: 20px; font-weight: 800; color: var(--white); }
.rate-change { font-size: 11px; color: var(--teal-light); margin-top: 2px; }

/* ─── TRUST BAR ─── */
.trust-bar {
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  padding: 18px 0;
}
.trust-items {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 52px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 9px;
  font-size: 13px;
  font-weight: 500;
  color: var(--gray-500);
}
.trust-dot {
  width: 8px; height: 8px;
  background: var(--teal);
  border-radius: 50%;
  flex-shrink: 0;
}

/* ─── SERVICES ─── */
.services-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.service-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 36px;
  position: relative;
  overflow: hidden;
  transition: var(--transition);
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--teal);
  opacity: 0;
  transition: var(--transition);
}
.service-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
  border-color: transparent;
}
.service-card:hover::before { opacity: 1; }
.service-card.featured {
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-dark) 100%);
  border-color: transparent;
  color: white;
}
.service-card.featured::before {
  background: rgba(255,255,255,0.3);
  opacity: 1;
}
.badge-featured {
  position: absolute;
  top: 18px; right: 18px;
  background: rgba(255,255,255,0.2);
  color: white;
  font-size: 11px;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: 99px;
  letter-spacing: 0.04em;
}
.service-icon {
  width: 52px; height: 52px;
  border-radius: 14px;
  background: var(--teal-pale);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  flex-shrink: 0;
}
.service-card.featured .service-icon { background: rgba(255,255,255,0.2); }
.service-icon svg { width: 28px; height: 28px; }
.service-card h3 {
  font-size: 20px;
  font-weight: 700;
  margin-bottom: 10px;
  color: var(--slate);
}
.service-card.featured h3 { color: white; }
.service-card p {
  font-size: 14px;
  color: var(--gray-500);
  line-height: 1.75;
  margin-bottom: 20px;
}
.service-card.featured p { color: rgba(255,255,255,0.75); }
.service-list { list-style: none; margin-bottom: 24px; }
.service-list li {
  font-size: 13px;
  color: var(--gray-500);
  padding: 6px 0;
  border-bottom: 1px solid var(--gray-100);
  display: flex;
  align-items: center;
  gap: 8px;
}
.service-list li::before {
  content: '';
  width: 6px; height: 6px;
  background: var(--teal);
  border-radius: 50%;
  flex-shrink: 0;
}
.service-card.featured .service-list li {
  border-color: rgba(255,255,255,0.1);
  color: rgba(255,255,255,0.75);
}
.service-card.featured .service-list li::before { background: var(--amber-light); }
.service-link {
  font-size: 13px;
  font-weight: 600;
  color: var(--teal);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 5px;
  transition: var(--transition);
}
.service-link:hover { gap: 9px; }
.service-card.featured .service-link { color: rgba(255,255,255,0.9); }

/* ─── REFINANCE ─── */
.refi-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.refi-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 36px 30px;
  border: 1px solid var(--gray-200);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.refi-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--teal);
  transform: translateY(-3px);
}
.refi-num {
  font-size: 64px;
  font-weight: 800;
  line-height: 1;
  background: linear-gradient(135deg, var(--gray-200) 0%, var(--gray-100) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  margin-bottom: 16px;
  font-family: 'Playfair Display', serif;
}
.refi-card h3 { font-size: 19px; font-weight: 700; color: var(--slate); margin-bottom: 12px; }
.refi-card p  { color: var(--gray-500); font-size: 14px; line-height: 1.75; margin-bottom: 20px; }
.refi-tags { display: flex; flex-wrap: wrap; gap: 7px; margin-bottom: 24px; }
.refi-tags span {
  font-size: 11px;
  font-weight: 600;
  background: var(--teal-pale);
  color: var(--teal-dark);
  padding: 4px 12px;
  border-radius: 99px;
  border: 1px solid rgba(13,148,136,0.15);
}

/* ─── RESOURCES ─── */
.resources-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 14px;
}
.resource-card {
  display: flex;
  align-items: center;
  gap: 16px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 18px 20px;
  text-decoration: none;
  color: inherit;
  transition: var(--transition);
  group: true;
}
.resource-card:hover {
  border-color: var(--teal);
  box-shadow: 0 4px 20px rgba(13,148,136,0.1);
  transform: translateX(4px);
}
.resource-logo {
  width: 48px; height: 48px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 0.03em;
  flex-shrink: 0;
}
.resource-logo.hud  { background: #E0F2FE; color: #0369A1; }
.resource-logo.va   { background: #EDE9FE; color: #5B21B6; }
.resource-logo.fnm  { background: #DCFCE7; color: #15803D; }
.resource-logo.fre  { background: #FEF3C7; color: #B45309; }
.resource-logo.cfpb { background: #FCE7F3; color: #BE185D; }
.resource-logo.usda { background: #D1FAE5; color: #065F46; }
.resource-logo.nmls { background: #F1F5F9; color: #475569; }
.resource-logo.dre  { background: #FFF7ED; color: #C2410C; }

.resource-info { flex: 1; min-width: 0; }
.resource-info h4 { font-size: 14px; font-weight: 600; color: var(--slate); margin-bottom: 2px; }
.resource-info p { font-size: 12px; color: var(--gray-400); line-height: 1.5; }
.resource-arrow {
  width: 18px; height: 18px;
  color: var(--gray-300);
  flex-shrink: 0;
  transition: var(--transition);
}
.resource-card:hover .resource-arrow { color: var(--teal); transform: translate(3px,-3px); }

/* ─── NEWS ─── */
.news-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(340px, 1fr));
  gap: 22px;
}
.news-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 28px;
  display: flex;
  flex-direction: column;
  transition: var(--transition);
}
.news-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--gray-300);
  transform: translateY(-2px);
}
.news-category {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 14px;
  width: fit-content;
}
.news-category::before {
  content: '';
  width: 6px; height: 6px;
  background: var(--teal);
  border-radius: 50%;
}
.news-card h4 { font-size: 16px; font-weight: 700; color: var(--slate); margin-bottom: 10px; line-height: 1.45; }
.news-card p  { font-size: 13px; color: var(--gray-500); line-height: 1.75; flex: 1; margin-bottom: 18px; }
.news-footer  { display: flex; justify-content: space-between; align-items: center; margin-top: auto; }
.news-source  { font-size: 12px; color: var(--gray-400); font-weight: 500; }
.news-read {
  font-size: 13px; font-weight: 600;
  color: var(--teal);
  text-decoration: none;
  transition: var(--transition);
  display: inline-flex; align-items: center; gap: 4px;
}
.news-read:hover { color: var(--teal-dark); gap: 7px; }

/* ─── FORM ─── */
.application-form { max-width: 840px; margin: 0 auto; }
.secure-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  font-weight: 600;
  color: var(--green);
  background: rgba(16,185,129,0.07);
  border: 1px solid rgba(16,185,129,0.2);
  padding: 7px 16px;
  border-radius: 99px;
  margin-top: 16px;
}

.form-section {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 36px;
  margin-bottom: 20px;
  box-shadow: var(--shadow-sm);
}
.form-section-title {
  font-size: 16px;
  font-weight: 700;
  color: var(--slate);
  margin-bottom: 26px;
  display: flex;
  align-items: center;
  gap: 13px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--gray-100);
}
.form-step {
  width: 28px; height: 28px;
  background: var(--teal);
  color: var(--white);
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  font-weight: 700;
  flex-shrink: 0;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
  margin-bottom: 18px;
}
.form-row:last-child { margin-bottom: 0; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group.full { grid-column: 1 / -1; }

.form-group label {
  font-size: 12px;
  font-weight: 600;
  color: var(--slate-500);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.req { color: var(--red); }

.form-group input,
.form-group select,
.form-group textarea {
  font-family: inherit;
  font-size: 14px;
  color: var(--slate);
  background: var(--gray-50);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-sm);
  padding: 11px 14px;
  transition: var(--transition);
  outline: none;
  width: 100%;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--teal);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(13,148,136,0.1);
}
.form-group input.error,
.form-group select.error { border-color: var(--red); }
.form-group textarea { resize: vertical; min-height: 100px; }

.input-prefix {
  display: flex;
  align-items: center;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-sm);
  overflow: hidden;
  background: var(--gray-50);
  transition: var(--transition);
}
.input-prefix:focus-within {
  border-color: var(--teal);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(13,148,136,0.1);
}
.input-prefix span {
  padding: 0 12px;
  color: var(--gray-400);
  font-weight: 600;
  font-size: 14px;
  background: var(--gray-100);
  height: 44px;
  display: flex;
  align-items: center;
  border-right: 1.5px solid var(--gray-200);
  flex-shrink: 0;
}
.input-prefix input {
  border: none;
  background: transparent;
  box-shadow: none;
}
.input-prefix input:focus { box-shadow: none; }

.radio-group { display: flex; gap: 10px; flex-wrap: wrap; }
.radio-option {
  display: flex;
  align-items: center;
  gap: 8px;
  cursor: pointer;
  font-size: 14px;
  color: var(--slate);
  background: var(--gray-50);
  border: 1.5px solid var(--gray-200);
  padding: 9px 16px;
  border-radius: 99px;
  transition: var(--transition);
}
.radio-option:hover { border-color: var(--teal); }
.radio-option input[type="radio"] { display: none; }
.radio-option:has(input:checked) {
  border-color: var(--teal);
  background: var(--teal-pale);
  color: var(--teal-dark);
}
.radio-custom { display: none; }

.checkbox-option {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  cursor: pointer;
  font-size: 13px;
  color: var(--gray-500);
  margin-bottom: 14px;
  line-height: 1.6;
}
.checkbox-option input[type="checkbox"] { display: none; }
.checkbox-custom {
  width: 18px; height: 18px;
  border: 2px solid var(--gray-200);
  border-radius: 5px;
  transition: var(--transition);
  flex-shrink: 0;
  margin-top: 2px;
  position: relative;
}
.checkbox-option input:checked + .checkbox-custom {
  background: var(--teal);
  border-color: var(--teal);
}
.checkbox-option input:checked + .checkbox-custom::after {
  content: '✓';
  position: absolute;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  color: white;
  font-size: 11px;
  font-weight: 700;
}

.consent-section {
  background: rgba(13,148,136,0.03);
  border-color: rgba(13,148,136,0.15);
}

.form-submit-row { text-align: center; margin-top: 12px; }
.form-disclaimer { margin-top: 14px; font-size: 12px; color: var(--gray-400); }
.form-disclaimer a { color: var(--teal); }

.form-success { text-align: center; padding: 80px 40px; max-width: 560px; margin: 0 auto; }
.success-icon { width: 80px; height: 80px; margin: 0 auto 28px; }
.form-success h3 { font-size: 26px; font-weight: 700; color: var(--slate); margin-bottom: 14px; }
.form-success p  { color: var(--gray-500); font-size: 16px; line-height: 1.75; }
.form-success a  { color: var(--teal); font-weight: 600; }

/* ─── BIO ─── */
.bio-section { background: var(--slate); }
.bio-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.bio-visual {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
}
.bio-bg-circle {
  width: 280px; height: 280px;
  border-radius: 50%;
  background: linear-gradient(135deg, rgba(13,148,136,0.2) 0%, rgba(13,148,136,0.05) 100%);
  border: 1px solid rgba(13,148,136,0.25);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
}
.bio-initials {
  font-family: 'Playfair Display', serif;
  font-size: 72px;
  font-weight: 700;
  color: var(--teal-light);
  opacity: 0.6;
}
.bio-badge-cert {
  position: absolute;
  bottom: 20px; right: -20px;
  background: var(--teal);
  color: white;
  font-size: 11px;
  font-weight: 700;
  padding: 8px 16px;
  border-radius: 99px;
  white-space: nowrap;
  box-shadow: var(--shadow-teal);
}
.bio-content .section-label { color: var(--teal-light); }
.bio-content .section-label::before,
.bio-content .section-label::after { background: var(--teal-light); }
.bio-content h2 {
  font-family: 'Playfair Display', serif;
  font-size: 38px;
  color: var(--white);
  margin: 10px 0 4px;
}
.bio-title { font-size: 15px; color: var(--teal-light); font-weight: 500; margin-bottom: 20px; }
.bio-content > p { color: rgba(255,255,255,0.6); font-size: 15px; line-height: 1.85; margin-bottom: 32px; }
.bio-credentials {
  display: flex;
  gap: 0;
  flex-wrap: wrap;
  margin-bottom: 32px;
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius);
  overflow: hidden;
}
.cred {
  padding: 16px 24px;
  display: flex;
  flex-direction: column;
  gap: 3px;
  flex: 1;
  border-right: 1px solid rgba(255,255,255,0.08);
}
.cred:last-child { border-right: none; }
.cred strong {
  font-size: 11px;
  font-weight: 700;
  color: var(--teal-light);
  text-transform: uppercase;
  letter-spacing: 0.08em;
}
.cred span { font-size: 13px; color: rgba(255,255,255,0.55); }
.bio-contact { display: flex; gap: 12px; flex-wrap: wrap; }
.contact-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 99px;
  padding: 11px 22px;
  font-size: 14px;
  font-weight: 500;
  color: rgba(255,255,255,0.75);
  text-decoration: none;
  transition: var(--transition);
}
.contact-pill:hover {
  background: rgba(13,148,136,0.15);
  border-color: var(--teal);
  color: var(--white);
}

/* ─── FOOTER ─── */
.footer { background: var(--slate-700); color: rgba(255,255,255,0.6); padding: 64px 0 0; }
.footer-top {
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 60px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.footer-brand .logo { margin-bottom: 18px; }
.footer-brand .logo-name { color: var(--white); }
.footer-brand .logo-sub { color: rgba(255,255,255,0.35); }
.footer-brand p { font-size: 13px; line-height: 1.75; color: rgba(255,255,255,0.45); max-width: 360px; }
.footer-links { display: flex; gap: 48px; justify-content: flex-end; }
.footer-col h5 {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--teal-light);
  margin-bottom: 16px;
}
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 10px; }
.footer-col a {
  font-size: 13px;
  color: rgba(255,255,255,0.45);
  text-decoration: none;
  transition: var(--transition);
}
.footer-col a:hover { color: var(--white); }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 24px;
  padding: 28px 0;
}
.footer-legal p {
  font-size: 11px;
  color: rgba(255,255,255,0.28);
  line-height: 1.75;
  margin-bottom: 6px;
  max-width: 680px;
}
.footer-equal {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
  color: rgba(255,255,255,0.3);
  font-size: 11px;
  text-align: right;
  line-height: 1.4;
}

/* ─── CHAT FAB ─── */
.chat-fab {
  position: fixed;
  bottom: 28px; right: 28px;
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-dark) 100%);
  color: white;
  border-radius: 99px;
  padding: 14px 20px 14px 16px;
  display: flex;
  align-items: center;
  gap: 10px;
  cursor: pointer;
  box-shadow: 0 8px 32px rgba(13,148,136,0.45);
  z-index: 900;
  transition: var(--transition);
  user-select: none;
}
.chat-fab:hover {
  transform: translateY(-3px);
  box-shadow: 0 14px 40px rgba(13,148,136,0.55);
}
.chat-label { font-size: 14px; font-weight: 600; }

.chat-popup {
  position: fixed;
  bottom: 96px; right: 28px;
  width: 320px;
  background: white;
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  z-index: 901;
  overflow: hidden;
  display: none;
  animation: popUp 0.2s ease;
}
.chat-popup.open { display: block; }
@keyframes popUp {
  from { opacity: 0; transform: translateY(14px) scale(0.97); }
  to   { opacity: 1; transform: translateY(0) scale(1); }
}
.chat-popup-header {
  background: linear-gradient(135deg, var(--slate) 0%, var(--slate-700) 100%);
  color: white;
  padding: 16px 18px;
  display: flex;
  align-items: center;
  gap: 12px;
}
.chat-avatar {
  width: 36px; height: 36px;
  background: var(--teal);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 16px;
  flex-shrink: 0;
}
.chat-popup-header div { flex: 1; }
.chat-popup-header strong { display: block; font-size: 15px; }
.chat-status { font-size: 12px; color: var(--teal-light); }
.chat-close {
  background: none;
  border: none;
  color: rgba(255,255,255,0.5);
  font-size: 22px;
  cursor: pointer;
  line-height: 1;
  padding: 0;
  transition: var(--transition);
}
.chat-close:hover { color: white; }
.chat-popup-body { padding: 20px; background: var(--gray-50); }
.chat-bubble {
  background: white;
  border-radius: 14px 14px 14px 4px;
  padding: 14px 16px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-100);
}
.chat-bubble p { font-size: 14px; color: var(--slate); margin-bottom: 6px; }
.chat-bubble p:last-child { margin-bottom: 0; }
.chat-popup-footer { padding: 16px; display: flex; flex-direction: column; gap: 8px; }
.chat-action-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: var(--teal);
  color: white;
  font-size: 14px;
  font-weight: 600;
  padding: 11px;
  border-radius: var(--radius-sm);
  text-decoration: none;
  transition: var(--transition);
}
.chat-action-btn:hover { background: var(--teal-dark); }
.chat-action-email { background: var(--gray-100); color: var(--slate); border: 1px solid var(--gray-200); }
.chat-action-email:hover { background: var(--gray-200); }
.chat-action-apply { background: var(--slate); color: white; }
.chat-action-apply:hover { background: var(--slate-700); }

/* ─── MODAL ─── */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(15,23,42,0.6);
  z-index: 2000;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 24px;
  backdrop-filter: blur(6px);
}
.modal-overlay.open { display: flex; }
.modal {
  background: white;
  border-radius: var(--radius);
  padding: 40px;
  max-width: 540px;
  width: 100%;
  max-height: 80vh;
  overflow-y: auto;
  position: relative;
  box-shadow: var(--shadow-lg);
  animation: popUp 0.22s ease;
}
.modal h3 { font-size: 22px; font-weight: 700; color: var(--slate); margin-bottom: 20px; }
.modal p  { font-size: 14px; color: var(--gray-500); line-height: 1.75; margin-bottom: 14px; }
.modal strong { color: var(--slate); }
.modal-close {
  position: absolute;
  top: 16px; right: 16px;
  background: var(--gray-100);
  border: none;
  width: 32px; height: 32px;
  border-radius: 50%;
  font-size: 18px;
  cursor: pointer;
  color: var(--gray-500);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
}
.modal-close:hover { background: var(--gray-200); }

/* ─── SCROLL REVEAL ─── */
.reveal {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity 0.5s ease, transform 0.5s ease;
}
.reveal.visible { opacity: 1; transform: translateY(0); }

/* ─── RESPONSIVE ─── */
@media (max-width: 1024px) {
  .refi-grid { grid-template-columns: 1fr; max-width: 600px; margin: 0 auto; }
}
@media (max-width: 900px) {
  .hero-content { grid-template-columns: 1fr; }
  .hero-visual   { display: none; }
  .hero { min-height: auto; padding: 120px 28px 70px; }
  .services-grid { grid-template-columns: 1fr; max-width: 540px; margin: 0 auto; }
  .bio-layout { grid-template-columns: 1fr; text-align: center; }
  .bio-visual { margin-bottom: 40px; }
  .bio-contact { justify-content: center; }
  .bio-credentials { justify-content: center; }
  .footer-top { grid-template-columns: 1fr; gap: 40px; }
  .footer-links { justify-content: flex-start; flex-wrap: wrap; gap: 32px; }
}
@media (max-width: 700px) {
  .section { padding: 60px 0; }
  .topbar-licenses { display: none; }
  .topbar-inner { justify-content: center; }
  .brand-name { font-size: 18px; }
  .brand-mark { width: 44px; height: 44px; font-size: 14px; border-radius: 10px; }
  .brand-tagline { display: none; }
  .nav-links {
    display: none;
    flex-direction: column;
    position: absolute;
    top: 100%;
    left: 0; right: 0;
    background: white;
    border-bottom: 1px solid var(--gray-200);
    padding: 12px;
    gap: 2px;
    box-shadow: var(--shadow-md);
    justify-content: flex-start;
  }
  .nav-links.open { display: flex; }
  .nav-links .nav-cta { margin-left: 0; margin-top: 8px; justify-content: center; }
  .hamburger { display: flex; }
  .hero { padding-top: 220px; }
  .form-row { grid-template-columns: 1fr; }
  .hero-stats { grid-template-columns: 1fr 1fr 1fr; }
  .form-section { padding: 22px 18px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .chat-popup { width: calc(100vw - 40px); right: 20px; }
  .refi-grid { grid-template-columns: 1fr; }
}