/* ═══════════════════════════════════════════════════
   HAGER HOME TEAM — DESIGN SYSTEM
   RankOps AI Rank Stack Delivery
   ═══════════════════════════════════════════════════ */

/* ── DESIGN TOKENS ─────────────────────────────────── */
:root {
  /* Colors - Military/Professional Palette */
  --navy:       #07111F;
  --navy-mid:   #0D1E35;
  --navy-light: #16304F;
  --army-green: #3B4A2F;
  --army-dark:  #2A3520;
  --army-tan:   #8B7D5A;
  --od-green:   #4A5240;
  --gold:       #C9902A;
  --gold-light: #E8B84B;
  --gold-pale:  #F5D98A;
  --white:      #FFFFFF;
  --off-white:  #F2EFE9;
  --text:       #1A1A2E;
  --muted:      #64748B;
  --border:     #DDD8CE;

  /* Typography */
  --bebas:      'Bebas Neue', Impact, sans-serif;
  --oswald:     'Oswald', sans-serif;
  --display:    'Cormorant Garamond', Georgia, serif;
  --body:       'Jost', system-ui, sans-serif;

  /* Spacing */
  --space-4:    4px;
  --space-8:    8px;
  --space-16:   16px;
  --space-24:   24px;
  --space-32:   32px;
  --space-48:   48px;
  --space-64:   64px;
  --space-96:   96px;

  /* Layout */
  --container:  1200px;
  --radius:     4px;
  --shadow:     0 4px 12px rgba(0,0,0,0.08);
  --nav-height: 64px;
}

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

html {
  scroll-behavior: smooth;
  font-size: 18px;
  overflow-x: hidden;
}

body {
  font-family: var(--body);
  color: var(--text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
  line-height: 1.6;
}

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

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

ul, ol {
  list-style: none;
}

/* ── TYPOGRAPHY ─────────────────────────────────────── */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--oswald);
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  line-height: 1.1;
}

h1 { font-size: clamp(2.5rem, 5vw, 4rem); }
h2 { font-size: clamp(2rem, 4vw, 3rem); }
h3 { font-size: clamp(1.5rem, 3vw, 2rem); }
h4 { font-size: clamp(1.25rem, 2.5vw, 1.5rem); }

p {
  font-weight: 300;
  line-height: 1.8;
  margin-bottom: 1rem;
}

/* ── NAVIGATION ─────────────────────────────────────── */
nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(7,17,31,0.96);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(201,144,42,0.18);
  height: var(--nav-height);
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 2rem;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-family: var(--oswald);
  font-size: 1.3rem;
  font-weight: 700;
  letter-spacing: 0.2em;
  color: var(--white);
  text-decoration: none;
  line-height: 1;
  text-transform: uppercase;
}

.nav-logo span { color: var(--gold); }

.nav-logo-mark {
  width: 28px;
  height: auto;
  flex-shrink: 0;
}

.nav-logo-img {
  height: 44px;
  width: auto;
  flex-shrink: 0;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 2rem;
  list-style: none;
}

.nav-links a {
  color: rgba(255,255,255,0.75);
  text-decoration: none;
  font-size: 0.95rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  transition: color 0.2s;
}

.nav-links a:hover { color: var(--gold-light); }

.nav-cta {
  background: var(--gold) !important;
  color: var(--navy) !important;
  padding: 0.45rem 1.2rem !important;
  border-radius: var(--radius);
  font-weight: 600 !important;
  letter-spacing: 0.06em !important;
}

.nav-cta:hover { background: var(--gold-light) !important; }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}

.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--white);
  transition: all 0.3s;
}

.mobile-menu {
  display: none;
  position: fixed;
  top: var(--nav-height);
  left: 0;
  right: 0;
  background: var(--navy);
  z-index: 999;
  border-bottom: 1px solid rgba(201,144,42,0.2);
  flex-direction: column;
  padding: 1.5rem 2rem;
  gap: 1.2rem;
}

.mobile-menu.open { display: flex; }

.mobile-menu a {
  color: rgba(255,255,255,0.85);
  text-decoration: none;
  font-size: 0.9rem;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.mobile-menu .m-cta {
  color: var(--gold) !important;
  font-weight: 600;
}

.mobile-menu .m-phone {
  color: rgba(255,255,255,0.5) !important;
  font-size: 0.85rem;
  font-weight: 400;
  letter-spacing: 0.04em;
  border-top: 1px solid rgba(255,255,255,0.06);
  padding-top: 0.75rem;
  margin-top: 0.25rem;
}

/* ── MOBILE TOUCH TARGETS ────────────────────────────── */
@media (max-width: 900px) {
  .mobile-menu a {
    min-height: 44px;
    display: flex;
    align-items: center;
  }

  .btn-gold,
  .btn-navy,
  .btn-outline-luxury,
  .btn-apply-lg,
  .nav-cta {
    min-height: 44px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
  }
}

/* ── HERO ───────────────────────────────────────────── */
.hero {
  min-height: 100vh;
  background: var(--navy);
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: stretch;
  padding-top: var(--nav-height);
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(201,144,42,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,144,42,0.04) 1px, transparent 1px);
  background-size: 60px 60px;
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: 0;
  right: 0;
  width: 55%;
  height: 100%;
  background: var(--navy-mid);
  clip-path: polygon(8% 0, 100% 0, 100% 100%, 0% 100%);
  pointer-events: none;
}

.hero-content {
  position: relative;
  z-index: 2;
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 2rem 3rem 1.5rem 3rem;
  max-width: 620px;
}

.rank-tag {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  background: rgba(59,74,47,0.5);
  border: 1px solid rgba(201,144,42,0.4);
  border-left: 4px solid var(--gold);
  color: var(--gold-light);
  padding: 0.5rem 1.1rem;
  font-family: var(--oswald);
  font-size: 1rem;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  margin-bottom: 0.7rem;
  width: fit-content;
  text-shadow: 0 1px 3px rgba(0,0,0,0.5);
}

.deployment-ribbon {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: 0.9rem;
  flex-wrap: wrap;
}

.deploy-badge {
  font-family: var(--oswald);
  font-size: 0.88rem;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.75);
  background: rgba(59,74,47,0.4);
  border: 1px solid rgba(139,125,90,0.3);
  padding: 0.3rem 0.7rem;
  border-radius: 1px;
}

.deploy-sep {
  color: rgba(201,144,42,0.4);
  font-size: 0.8rem;
}

.hero h1 {
  font-family: var(--bebas);
  font-size: clamp(3rem, 5.5vw, 5rem);
  line-height: 0.95;
  letter-spacing: 0.03em;
  color: var(--white);
  margin-bottom: 0.8rem;
}

.hero h1 .gold { color: var(--gold); }

.hero h1 .thin {
  font-family: var(--display);
  font-size: clamp(1.4rem, 2.5vw, 2rem);
  font-weight: 400;
  letter-spacing: 0.08em;
  display: block;
  color: rgba(255,255,255,0.55);
  margin-bottom: 0.1rem;
}

.hero-bio {
  font-size: 0.98rem;
  color: rgba(255,255,255,0.6);
  font-weight: 300;
  line-height: 1.7;
  max-width: 460px;
  margin-bottom: 1.2rem;
}

.hero-actions {
  display: flex;
  gap: 0.8rem;
  flex-wrap: wrap;
  margin-bottom: 1.2rem;
}

.hero-stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border: 1px solid rgba(201,144,42,0.2);
  border-radius: var(--radius);
  overflow: hidden;
}

.hstat {
  padding: 0.7rem 0.8rem;
  text-align: center;
  border-right: 1px solid rgba(201,144,42,0.15);
  background: rgba(255,255,255,0.02);
}

.hstat:last-child { border-right: none; }

.hstat-num {
  font-family: var(--bebas);
  font-size: 2rem;
  letter-spacing: 0.05em;
  color: var(--gold);
  display: block;
  line-height: 1;
}

.hstat-label {
  font-size: 0.85rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.55);
  font-weight: 500;
  display: block;
  margin-top: 0.15rem;
  line-height: 1.2;
}

.hero-photo-wrap {
  position: relative;
  z-index: 2;
  display: flex;
  align-items: flex-end;
  justify-content: center;
  padding-bottom: 0;
  overflow: hidden;
}

.hero-photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: top center;
  display: block;
  filter: grayscale(15%) contrast(1.05);
  mask-image: linear-gradient(to left, rgba(0,0,0,1) 60%, transparent 100%),
              linear-gradient(to top, transparent 0%, rgba(0,0,0,1) 12%);
  -webkit-mask-image: linear-gradient(to left, rgba(0,0,0,1) 60%, transparent 100%);
  mix-blend-mode: luminosity;
  opacity: 0.85;
}

.photo-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to right, var(--navy) 0%, transparent 40%),
              linear-gradient(to top, var(--navy-mid) 0%, transparent 30%);
}

.photo-accent {
  position: absolute;
  bottom: 2rem;
  left: 2rem;
  background: rgba(7,17,31,0.9);
  border: 1px solid rgba(139,125,90,0.4);
  border-left: 4px solid var(--gold);
  padding: 0.8rem 1.4rem;
  backdrop-filter: blur(8px);
  box-shadow: 0 4px 20px rgba(0,0,0,0.4);
}

.photo-accent-name {
  font-family: var(--oswald);
  font-size: 1.1rem;
  letter-spacing: 0.18em;
  color: var(--gold-light);
  display: block;
  text-transform: uppercase;
}

.photo-accent-rank {
  font-family: var(--oswald);
  font-size: 0.78rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.65);
  font-weight: 400;
  display: block;
  margin-top: 0.2rem;
}

/* ── BUTTONS ────────────────────────────────────────── */
.btn {
  display: inline-block;
  padding: 0.85rem 2rem;
  border-radius: var(--radius);
  text-decoration: none;
  font-weight: 700;
  font-size: 0.95rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  transition: all 0.2s;
  cursor: pointer;
  border: none;
}

.btn-gold {
  background: var(--gold);
  color: var(--navy);
}

.btn-gold:hover {
  background: var(--gold-light);
  transform: translateY(-1px);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border: 1px solid rgba(255,255,255,0.25);
}

.btn-outline:hover {
  border-color: var(--gold);
  color: var(--gold-light);
}

.btn-navy {
  background: var(--navy);
  color: var(--white);
  border: 1px solid var(--navy);
}

.btn-navy:hover {
  background: var(--navy-light);
  transform: translateY(-1px);
}

/* ── MISSION BAR ────────────────────────────────────── */
.mission-bar {
  background: var(--army-dark);
  padding: 1rem 2rem;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 3rem;
  flex-wrap: wrap;
  border-top: 3px solid var(--gold);
  border-bottom: 1px solid rgba(201,144,42,0.2);
}

.mission-item {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-family: var(--oswald);
  font-size: 1rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-light);
}

.mission-dot {
  width: 4px;
  height: 4px;
  background: var(--gold);
  border-radius: 50%;
  opacity: 0.6;
}

/* ── SECTIONS ───────────────────────────────────────── */
.section-eyebrow {
  font-family: var(--oswald);
  font-size: 1rem;
  font-weight: 600;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.6rem;
  display: block;
}

.section-h {
  font-family: var(--oswald);
  font-size: clamp(2.2rem, 4vw, 3.2rem);
  font-weight: 700;
  letter-spacing: 0.06em;
  color: var(--navy);
  line-height: 1.05;
  margin-bottom: 0.8rem;
  text-transform: uppercase;
}

.section-p {
  color: var(--muted);
  font-weight: 400;
  font-size: 1.1rem;
  line-height: 1.8;
  max-width: 500px;
}

/* ── LOANS GRID ─────────────────────────────────────── */
.loans {
  background: var(--off-white);
  padding: 5rem 2rem;
}

.loans-header {
  text-align: center;
  margin-bottom: 3rem;
}

.loans-header .section-p {
  margin: 0 auto;
}

.loan-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1px;
  background: var(--border);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  max-width: 1100px;
  margin: 0 auto;
}

.loan-card {
  background: var(--white);
  padding: 2.5rem 2rem;
  position: relative;
  transition: all 0.25s;
  cursor: default;
}

.loan-card::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--gold);
  transform: scaleX(0);
  transition: transform 0.3s;
}

.loan-card:hover {
  background: var(--navy);
}

.loan-card:hover::after {
  transform: scaleX(1);
}

.loan-card:hover .loan-name { color: var(--white); }
.loan-card:hover .loan-desc { color: rgba(255,255,255,0.55); }
.loan-card:hover .loan-tag { color: var(--gold-light); }

.loan-icon {
  font-size: 3rem;
  margin-bottom: 1.2rem;
  display: block;
}

.loan-name {
  font-family: var(--oswald);
  font-size: 1.5rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  color: var(--navy);
  margin-bottom: 0.5rem;
  transition: color 0.25s;
}

.loan-desc {
  font-size: 1.05rem;
  color: var(--muted);
  line-height: 1.75;
  font-weight: 300;
  margin-bottom: 1rem;
  transition: color 0.25s;
}

.loan-tag {
  font-size: 0.95rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  transition: color 0.25s;
}

/* ── ABOUT ──────────────────────────────────────────── */
.about {
  background: var(--navy);
  padding: 5rem 2rem;
  position: relative;
  overflow: hidden;
}

.about::before {
  content: '';
  position: absolute;
  top: 0;
  right: 0;
  width: 50%;
  height: 100%;
  background: var(--navy-mid);
  clip-path: polygon(15% 0, 100% 0, 100% 100%, 0% 100%);
}

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 5rem;
  align-items: center;
  max-width: 1100px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}

.about-img-wrap {
  position: relative;
}

.about-img {
  width: 100%;
  border-radius: var(--radius);
  display: block;
  filter: grayscale(20%) contrast(1.05);
  aspect-ratio: 3/4;
  object-fit: cover;
  object-position: top;
}

.about-frame {
  position: absolute;
  inset: -12px;
  border: 1px solid rgba(201,144,42,0.25);
  border-radius: var(--radius);
  pointer-events: none;
}

.about-medal {
  position: absolute;
  top: 1.5rem;
  right: -1.5rem;
  background: var(--army-dark);
  border: 2px solid var(--gold);
  color: var(--gold-light);
  padding: 0.8rem 1rem;
  font-family: var(--oswald);
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  line-height: 1.4;
  text-align: center;
  z-index: 2;
  box-shadow: 0 4px 16px rgba(0,0,0,0.4);
}

.about-content .section-h {
  color: var(--white);
}

.about-content p {
  color: rgba(255,255,255,0.75);
  font-weight: 400;
  line-height: 1.9;
  font-size: 1.1rem;
  margin-bottom: 1.2rem;
}

.about-creds {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.8rem;
  margin-top: 2rem;
}

.cred {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  padding: 0.8rem;
  background: rgba(42,53,32,0.25);
  border: 1px solid rgba(139,125,90,0.2);
  border-radius: 1px;
}

.cred-bar {
  width: 4px;
  height: 100%;
  min-height: 36px;
  background: linear-gradient(to bottom, var(--gold), var(--army-green));
  flex-shrink: 0;
  border-radius: 1px;
}

.cred-text {
  font-size: 1rem;
  color: rgba(255,255,255,0.7);
  font-weight: 400;
  line-height: 1.5;
}

.cred-text strong {
  color: rgba(255,255,255,0.95);
  font-weight: 700;
  display: block;
  font-size: 1.05rem;
  margin-bottom: 0.1rem;
}

.tour-patches {
  display: flex;
  gap: 0.8rem;
  margin-top: 1.5rem;
  flex-wrap: wrap;
}

.tour-patch {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(201,144,42,0.08);
  border: 1px solid rgba(201,144,42,0.2);
  border-left: 3px solid var(--gold);
  padding: 0.5rem 0.9rem;
  border-radius: 2px;
}

.tour-patch-flag {
  font-size: 1rem;
}

.tour-patch-text {
  font-size: 0.95rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
  line-height: 1.3;
}

.tour-patch-text span {
  color: var(--gold-light);
  display: block;
  font-size: 0.65rem;
}

/* ── PROCESS ────────────────────────────────────────── */
.process {
  background: var(--white);
  padding: 6rem 2rem;
}

.process-inner {
  max-width: 1100px;
  margin: 0 auto;
}

.process-header {
  margin-bottom: 3.5rem;
}

.process-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  position: relative;
}

.process-steps::before {
  content: '';
  position: absolute;
  top: 32px;
  left: 16.6%;
  right: 16.6%;
  height: 1px;
  background: linear-gradient(to right, var(--gold) 0%, var(--border) 50%, var(--gold) 100%);
}

.pstep {
  text-align: center;
  padding: 0 2.5rem;
}

.pstep-num {
  width: 64px;
  height: 64px;
  background: var(--navy);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--bebas);
  font-size: 1.7rem;
  letter-spacing: 0.05em;
  margin: 0 auto 1.4rem;
  position: relative;
  z-index: 1;
  border: 3px solid var(--gold);
  box-shadow: 0 0 0 4px rgba(59,74,47,0.4);
}

.pstep h3 {
  font-family: var(--oswald);
  font-size: 1.4rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  color: var(--navy);
  margin-bottom: 0.5rem;
}

.pstep p {
  font-size: 1.05rem;
  color: var(--muted);
  line-height: 1.75;
  font-weight: 300;
  max-width: 280px;
  margin: 0 auto;
}

/* ── FAQ ────────────────────────────────────────────── */
.faq {
  background: var(--off-white);
  padding: 5rem 2rem;
}

.faq-inner {
  max-width: 1000px;
  margin: 0 auto;
}

.faq-header {
  margin-bottom: 3rem;
}

.faq-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.2rem;
}

.faq-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-top: 3px solid var(--army-green);
  border-radius: var(--radius);
  padding: 1.6rem;
  position: relative;
}

.faq-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 3px;
  background: linear-gradient(to right, var(--army-green), var(--gold));
}

.faq-q {
  font-family: var(--display);
  font-size: 1.2rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 0.7rem;
  line-height: 1.3;
}

.faq-a {
  font-size: 1.05rem;
  color: var(--muted);
  line-height: 1.8;
  font-weight: 400;
}

/* ── CTA ────────────────────────────────────────────── */
.cta-section {
  background: var(--navy);
  padding: 5rem 2rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(201,144,42,0.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,144,42,0.05) 1px, transparent 1px);
  background-size: 40px 40px;
}

.cta-inner {
  position: relative;
  z-index: 1;
}

.cta-eyebrow {
  font-size: 0.9rem;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.8rem;
  display: block;
}

.cta-h {
  font-family: var(--bebas);
  font-size: clamp(2.5rem, 5vw, 4.5rem);
  letter-spacing: 0.04em;
  color: var(--white);
  line-height: 1;
  margin-bottom: 1rem;
}

.cta-p {
  color: rgba(255,255,255,0.5);
  font-weight: 300;
  max-width: 440px;
  margin: 0 auto 2.5rem;
  font-size: 1.1rem;
  line-height: 1.8;
}

.cta-contact {
  display: flex;
  justify-content: center;
  gap: 2rem;
  margin-top: 2rem;
  flex-wrap: wrap;
}

.cta-contact a {
  color: rgba(255,255,255,0.65);
  text-decoration: none;
  font-size: 1.1rem;
  font-weight: 300;
  transition: color 0.2s;
}

.cta-contact a:hover {
  color: var(--gold-light);
}

/* ── FOOTER ─────────────────────────────────────────── */
.site-footer {
  background: #040C16;
  border-top: 1px solid rgba(201,144,42,0.14);
}

/* Main footer grid */
.sf-main {
  max-width: var(--container);
  margin: 0 auto;
  padding: 3.5rem 2rem 2.5rem;
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1.2fr;
  gap: 3rem;
}

/* Brand column */
.sf-brand {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.sf-logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  text-decoration: none;
}

.sf-logo-mark {
  width: 38px;
  height: auto;
  flex-shrink: 0;
}

.sf-logo-img {
  height: 56px;
  width: auto;
  flex-shrink: 0;
}

.sf-logo-text {
  display: flex;
  flex-direction: column;
  gap: 0.1rem;
}

.sf-logo-name {
  font-family: var(--oswald);
  font-size: 1.05rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--white);
  line-height: 1;
}

.sf-logo-name span {
  color: var(--gold);
}

.sf-logo-tag {
  font-size: 0.68rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  font-weight: 400;
}

.sf-tagline {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.4);
  line-height: 1.65;
  font-weight: 300;
  margin: 0;
}

.sf-social {
  display: flex;
  gap: 0.6rem;
  margin-top: 0.25rem;
}

.sf-social-link {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 1px solid rgba(201,144,42,0.2);
  color: rgba(255,255,255,0.4);
  text-decoration: none;
  transition: all 0.2s;
}

.sf-social-link:hover {
  border-color: var(--gold);
  color: var(--gold);
  background: rgba(201,144,42,0.08);
}

/* Nav columns */
.sf-nav {
  display: contents;
}

.sf-nav-col {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}

.sf-nav-label {
  font-family: var(--oswald);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.35rem;
  display: block;
}

.sf-nav-col a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.5);
  text-decoration: none;
  font-weight: 300;
  transition: color 0.2s;
  line-height: 1;
}

.sf-nav-col a:hover {
  color: var(--white);
}

/* Contact column */
.sf-contact {
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
}

.sf-phone {
  font-family: var(--oswald);
  font-size: 1.2rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  color: var(--white);
  text-decoration: none;
  transition: color 0.2s;
}

.sf-phone:hover { color: var(--gold); }

.sf-email {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.45);
  text-decoration: none;
  transition: color 0.2s;
  word-break: break-all;
  font-weight: 300;
}

.sf-email:hover { color: var(--gold-light); }

.sf-creds {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.3);
  font-weight: 300;
  letter-spacing: 0.03em;
}

.sf-cred-dot {
  color: var(--gold);
  opacity: 0.4;
}

/* Compliance bar */
.sf-compliance {
  border-top: 1px solid rgba(255,255,255,0.06);
}

.sf-compliance-inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 1.5rem 2rem;
}

.sf-compliance p {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.22);
  line-height: 1.7;
  font-weight: 300;
  margin: 0 0 1rem;
}

.sf-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
  font-size: 0.75rem;
  color: rgba(255,255,255,0.25);
}

.sf-powered {
  color: rgba(255,255,255,0.2);
  text-decoration: none;
  transition: color 0.2s;
  white-space: nowrap;
}

.sf-powered:hover { color: var(--gold); }

/* Footer responsive */
@media (max-width: 1024px) {
  .sf-main {
    grid-template-columns: 1fr 1fr;
    gap: 2.5rem;
  }
}

@media (max-width: 640px) {
  .sf-main {
    grid-template-columns: 1fr;
    gap: 2rem;
    padding: 2.5rem 1.5rem 2rem;
  }

  .sf-bottom {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.5rem;
  }
}

/* ── CAMO TEXTURE ───────────────────────────────────── */
.camo-bg {
  position: relative;
}

.camo-bg::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(ellipse 120px 80px at 10% 20%, rgba(45,55,35,0.35) 0%, transparent 70%),
    radial-gradient(ellipse 90px 120px at 85% 15%, rgba(60,50,30,0.3) 0%, transparent 65%),
    radial-gradient(ellipse 150px 60px at 55% 70%, rgba(40,52,28,0.28) 0%, transparent 70%),
    radial-gradient(ellipse 80px 100px at 25% 80%, rgba(70,58,32,0.25) 0%, transparent 65%),
    radial-gradient(ellipse 110px 70px at 70% 45%, rgba(35,48,22,0.32) 0%, transparent 70%),
    radial-gradient(ellipse 60px 40px at 40% 10%, rgba(55,45,25,0.2) 0%, transparent 70%),
    radial-gradient(ellipse 45px 65px at 90% 60%, rgba(42,54,30,0.22) 0%, transparent 65%),
    radial-gradient(ellipse 70px 45px at 15% 55%, rgba(62,50,28,0.18) 0%, transparent 70%),
    radial-gradient(ellipse 55px 80px at 60% 90%, rgba(38,50,24,0.2) 0%, transparent 65%),
    linear-gradient(135deg, rgba(90,78,45,0.06) 0%, rgba(60,52,30,0.08) 50%, rgba(80,68,38,0.06) 100%);
  pointer-events: none;
  z-index: 0;
}

/* ── PAGE TEMPLATES ─────────────────────────────────── */
.page-header {
  background: var(--navy);
  padding: calc(var(--nav-height) + 4rem) 2rem 4rem;
  text-align: center;
  position: relative;
}

.page-header::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(201,144,42,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,144,42,0.03) 1px, transparent 1px);
  background-size: 40px 40px;
  pointer-events: none;
}

.page-header h1 {
  color: var(--white);
  font-family: var(--bebas);
  font-size: clamp(2.5rem, 5vw, 4rem);
  letter-spacing: 0.03em;
  position: relative;
  z-index: 1;
}

.page-header .thin {
  font-family: var(--display);
  font-size: clamp(1.2rem, 2vw, 1.6rem);
  font-weight: 400;
  letter-spacing: 0.08em;
  display: block;
  color: rgba(255,255,255,0.55);
  margin-bottom: 0.5rem;
}

.page-header .gold {
  color: var(--gold);
}

.page-content {
  padding: 4rem 2rem;
  max-width: var(--container);
  margin: 0 auto;
}

.page-content h2 {
  margin-top: 2.5rem;
  margin-bottom: 1rem;
}

.page-content h3 {
  margin-top: 2rem;
  margin-bottom: 0.75rem;
}

.page-content ul, .page-content ol {
  padding-left: 1.5rem;
  margin-bottom: 1rem;
}

.page-content ul {
  list-style: disc;
}

.page-content ol {
  list-style: decimal;
}

.page-content li {
  margin-bottom: 0.5rem;
  line-height: 1.7;
}

/* ── CONTACT PAGE ───────────────────────────────────── */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  max-width: 1100px;
  margin: 0 auto;
}

.contact-grid a {
  overflow-wrap: break-word;
  word-break: break-word;
}

@media (max-width: 700px) {
  .contact-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }
}

/* ── BREADCRUMB ─────────────────────────────────────── */
.breadcrumb {
  padding: 1rem 2rem;
  background: var(--off-white);
  border-bottom: 1px solid var(--border);
  font-size: 0.9rem;
}

.breadcrumb-inner {
  max-width: var(--container);
  margin: 0 auto;
}

.breadcrumb a {
  color: var(--gold);
  text-decoration: none;
}

.breadcrumb a:hover {
  text-decoration: underline;
}

.breadcrumb span {
  color: var(--muted);
  margin: 0 0.5rem;
}

/* ── NEIGHBORHOOD GRID ──────────────────────────────── */
.neighborhood-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
  margin: 2rem 0;
}

.neighborhood-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: all 0.25s;
}

.neighborhood-card:hover {
  border-color: var(--gold);
  transform: translateY(-2px);
  box-shadow: var(--shadow);
}

.neighborhood-card-content {
  padding: 1.5rem;
}

.neighborhood-card h3 {
  font-size: 1.3rem;
  margin-bottom: 0.5rem;
}

.neighborhood-card p {
  font-size: 0.95rem;
  color: var(--muted);
  margin-bottom: 1rem;
}

.neighborhood-card .btn {
  font-size: 0.85rem;
  padding: 0.6rem 1.2rem;
}

/* ── COMPARISON TABLE ───────────────────────────────── */
.comparison-table {
  width: 100%;
  border-collapse: collapse;
  margin: 2rem 0;
  font-size: 0.95rem;
}

.comparison-table th,
.comparison-table td {
  padding: 1rem;
  text-align: left;
  border: 1px solid var(--border);
}

.comparison-table th {
  background: var(--navy);
  color: var(--white);
  font-family: var(--oswald);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.comparison-table tr:nth-child(even) {
  background: var(--off-white);
}

.comparison-table tr:hover {
  background: rgba(201,144,42,0.05);
}

/* ── VERIFIABLE FACTS BOX ───────────────────────────── */
.facts-box {
  background: rgba(59,74,47,0.1);
  border: 1px solid rgba(139,125,90,0.3);
  border-left: 4px solid var(--gold);
  padding: 1.5rem;
  margin: 2rem 0;
  border-radius: var(--radius);
}

.facts-box h3 {
  margin-top: 0;
  margin-bottom: 1rem;
  font-size: 1.1rem;
}

.facts-box ul {
  list-style: none;
  padding: 0;
}

.facts-box li {
  padding: 0.4rem 0;
  padding-left: 1.5rem;
  position: relative;
}

.facts-box li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--gold);
  font-weight: bold;
}

/* ── ANIMATIONS ─────────────────────────────────────── */
@keyframes fadeUp {
  from {
    opacity: 0;
    transform: translateY(24px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.hero-content > * {
  opacity: 0;
  animation: fadeUp 0.7s ease forwards;
}

.hero-content > *:nth-child(1) { animation-delay: 0.1s; }
.hero-content > *:nth-child(2) { animation-delay: 0.2s; }
.hero-content > *:nth-child(3) { animation-delay: 0.3s; }
.hero-content > *:nth-child(4) { animation-delay: 0.4s; }
.hero-content > *:nth-child(5) { animation-delay: 0.5s; }

.hero-photo-wrap {
  opacity: 0;
  animation: fadeUp 1s ease 0.3s forwards;
}

/* ═══════════════════════════════════════════════════════
   LUXURY MEETS ARMY — New Homepage Styles
   ═══════════════════════════════════════════════════════ */

/* ── HERO LUXURY ────────────────────────────────────── */
.hero-luxury {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 100vh;
  padding-top: var(--nav-height);
  background:
    linear-gradient(to right, rgba(7,17,31,0.97) 0%, rgba(7,17,31,0.88) 35%, rgba(7,17,31,0.6) 55%, rgba(7,17,31,0.2) 80%, transparent 100%),
    url('/assets/img/luxury-home-hero-desk.jpg') center center / cover no-repeat;
  position: relative;
  overflow: hidden;
}

/* Remove conflicting pseudo-elements from .hero base class */
.hero-luxury::before,
.hero-luxury::after {
  display: none !important;
  content: none !important;
}

.hero-luxury .hero-content {
  padding: 5rem 3rem 3rem;
  display: flex;
  flex-direction: column;
  justify-content: center;
  position: relative;
  z-index: 1;
  max-width: 620px;
}

/* ── RIGHT PANEL (Headshot + About) ────────────────── */
.hero-right-panel {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  position: relative;
  z-index: 1;
  padding: 2rem 4rem 2rem 1rem;
  flex: 0 0 auto;
  width: clamp(320px, 38%, 460px);
}

.hero-right-card {
  background: rgba(7,17,31,0.82);
  backdrop-filter: blur(24px);
  border: 1px solid rgba(201,144,42,0.28);
  border-radius: 8px;
  padding: 1.75rem;
  width: 100%;
  box-shadow: 0 24px 64px rgba(0,0,0,0.55);
}

.hero-right-img-wrap {
  position: relative;
  width: 64px;
  height: 64px;
  margin-bottom: 1rem;
}

.hero-right-frame {
  position: absolute;
  inset: -4px;
  border: 2px solid var(--gold);
  border-radius: 50%;
  z-index: 0;
}

.hero-right-img-wrap img {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  object-fit: cover;
  object-position: top;
  filter: grayscale(10%);
  position: relative;
  z-index: 1;
}

.hero-right-label {
  display: block;
  font-size: 0.68rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.35rem;
}

.hero-right-name {
  font-family: var(--bebas);
  font-size: 1.4rem;
  color: var(--white);
  margin-bottom: 0.6rem;
  line-height: 1.1;
}

.hero-right-quote {
  font-family: var(--display);
  font-size: 0.88rem;
  font-style: italic;
  line-height: 1.55;
  color: rgba(255,255,255,0.72);
  margin-bottom: 0.6rem;
}

.hero-right-text {
  font-size: 0.82rem;
  line-height: 1.6;
  color: rgba(255,255,255,0.5);
  margin-bottom: 0.85rem;
}

.hero-right-creds {
  display: flex;
  gap: 1.5rem;
  margin-bottom: 0.85rem;
}

.hr-cred {
  display: flex;
  flex-direction: column;
}

.hr-cred-num {
  font-family: var(--bebas);
  font-size: 1.4rem;
  color: var(--gold);
  line-height: 1;
}

.hr-cred-text {
  font-size: 0.65rem;
  color: rgba(255,255,255,0.45);
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.hero-right-link {
  font-weight: 600;
  color: var(--gold);
  text-decoration: none;
  font-size: 0.85rem;
  letter-spacing: 0.05em;
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  transition: color 0.2s;
}

.hero-right-link:hover {
  color: var(--gold-light);
}

.hero-right-link .arrow {
  transition: transform 0.2s;
}

.hero-right-link:hover .arrow {
  transform: translateX(4px);
}

.hero-luxury-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
  margin-bottom: 1.5rem;
}

.badge-dot {
  width: 8px;
  height: 8px;
  background: var(--gold);
  border-radius: 50%;
  animation: pulse-dot 2s ease infinite;
}

@keyframes pulse-dot {
  0%, 100% { opacity: 1; }
  50% { opacity: 0.4; }
}

.hero-luxury-title {
  font-family: var(--bebas);
  font-size: clamp(3rem, 6vw, 5rem);
  line-height: 1.05;
  letter-spacing: 0.02em;
  color: var(--white);
  margin-bottom: 1.5rem;
}

.hero-luxury-subtitle {
  font-family: var(--display);
  font-size: clamp(1rem, 1.8vw, 1.3rem);
  font-weight: 400;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  display: block;
  margin-bottom: 0.25rem;
}

.text-gold {
  color: var(--gold);
}

.hero-luxury-bio {
  font-size: 1.1rem;
  line-height: 1.75;
  color: rgba(255,255,255,0.7);
  margin-bottom: 2rem;
  max-width: 520px;
}

.hero-luxury-actions {
  display: flex;
  gap: 1rem;
  margin-bottom: 2.5rem;
}

.btn-gold {
  background: var(--gold);
  color: var(--navy);
  padding: 1rem 2.2rem;
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  border-radius: var(--radius);
  text-decoration: none;
  transition: all 0.25s;
  display: inline-block;
}

.btn-gold:hover {
  background: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(201,144,42,0.3);
}

.btn-outline-luxury {
  color: var(--white);
  padding: 1rem 2rem;
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: 0.05em;
  border: 1px solid rgba(255,255,255,0.3);
  border-radius: var(--radius);
  text-decoration: none;
  transition: all 0.25s;
  display: inline-block;
}

.btn-outline-luxury:hover {
  border-color: var(--gold);
  color: var(--gold);
}

.btn-luxury {
  font-family: var(--oswald);
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.hero-luxury-stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(255,255,255,0.1);
}

.luxury-stat {
  display: flex;
  flex-direction: column;
}

.luxury-stat-num {
  font-family: var(--bebas);
  font-size: 2.2rem;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 0.25rem;
}

.luxury-stat-label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.45);
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.hero-photo-luxury-wrap {
  position: relative;
  height: 100%;
  min-height: 500px;
}

.hero-photo-luxury {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: top center;
}

.photo-luxury-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to right, var(--navy) 0%, rgba(7,23,49,0.6) 40%, transparent 100%);
}

.photo-luxury-accent {
  position: absolute;
  bottom: 3rem;
  left: 3rem;
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
}

.photo-luxury-name {
  font-family: var(--bebas);
  font-size: 1.8rem;
  color: var(--white);
  letter-spacing: 0.1em;
}

.photo-luxury-title {
  font-size: 0.85rem;
  color: var(--gold);
  letter-spacing: 0.12em;
}

/* ── TRUST BAR LUXURY ───────────────────────────────── */
.trust-bar-luxury {
  background: var(--off-white);
  padding: 1rem 0;
  border-bottom: 1px solid var(--border);
}

.trust-bar-inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 2rem;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 1.5rem;
  flex-wrap: wrap;
}

.trust-item {
  font-size: 0.9rem;
  color: var(--navy);
  font-weight: 500;
  letter-spacing: 0.03em;
}

.trust-divider {
  width: 1px;
  height: 16px;
  background: var(--border);
}

/* ── ABOUT LUXURY ───────────────────────────────────── */
.about-luxury {
  padding: 4rem 2rem;
  background: var(--white);
}

.about-luxury-grid {
  max-width: var(--container);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 4rem;
  align-items: center;
}

.about-luxury-img {
  position: relative;
}

.about-luxury-img img {
  width: 100%;
  height: 500px;
  object-fit: cover;
  border-radius: var(--radius);
  filter: grayscale(15%);
}

.about-luxury-frame {
  position: absolute;
  top: 1.5rem;
  left: 1.5rem;
  right: -1.5rem;
  bottom: -1.5rem;
  border: 2px solid var(--gold);
  border-radius: var(--radius);
  z-index: -1;
}

.about-luxury-content {
  max-width: 560px;
}

.section-label-luxury {
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  display: block;
  margin-bottom: 0.75rem;
}

.about-luxury-title {
  font-family: var(--bebas);
  font-size: 2.8rem;
  color: var(--navy);
  margin-bottom: 1.5rem;
  line-height: 1.1;
}

.about-quote {
  border-left: 3px solid var(--gold);
  padding-left: 1.5rem;
  margin-bottom: 1.5rem;
}

.quote-text {
  font-family: var(--display);
  font-size: 1.15rem;
  font-style: italic;
  color: var(--navy);
  line-height: 1.7;
}

.about-luxury-content > p {
  font-size: 1rem;
  line-height: 1.75;
  color: var(--muted);
  margin-bottom: 1.5rem;
}

.about-luxury-creds {
  display: flex;
  gap: 2rem;
  margin-bottom: 2rem;
}

.luxury-cred {
  display: flex;
  flex-direction: column;
}

.luxury-cred-num {
  font-family: var(--bebas);
  font-size: 1.8rem;
  color: var(--navy);
  line-height: 1;
}

.luxury-cred-text {
  font-size: 0.8rem;
  color: var(--muted);
  letter-spacing: 0.05em;
}

.btn-text-luxury {
  font-weight: 600;
  color: var(--navy);
  text-decoration: none;
  font-size: 0.95rem;
  letter-spacing: 0.03em;
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  transition: color 0.2s;
}

.btn-text-luxury:hover {
  color: var(--gold);
}

.btn-text-luxury span {
  transition: transform 0.2s;
}

.btn-text-luxury:hover span {
  transform: translateX(4px);
}

/* ── PROCESS LUXURY ─────────────────────────────────── */
.process-luxury {
  padding: 4rem 2rem;
  background: var(--off-white);
}

.process-luxury-inner {
  max-width: var(--container);
  margin: 0 auto;
}

.process-luxury-header {
  text-align: center;
  margin-bottom: 2rem;
}

.process-luxury-title {
  font-family: var(--bebas);
  font-size: 2.5rem;
  color: var(--navy);
  margin: 0;
}

.process-luxury-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.process-luxury-card {
  background: var(--white);
  padding: 2rem;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  transition: all 0.25s;
}

.process-luxury-card:hover {
  border-color: var(--gold);
  transform: translateY(-4px);
  box-shadow: var(--shadow);
}

.process-luxury-num {
  font-family: var(--bebas);
  font-size: 2.5rem;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 1rem;
  opacity: 0.6;
}

.process-luxury-card h3 {
  font-family: var(--oswald);
  font-size: 1.2rem;
  color: var(--navy);
  margin-bottom: 0.75rem;
  letter-spacing: 0.03em;
}

.process-luxury-card p {
  font-size: 0.95rem;
  color: var(--muted);
  line-height: 1.7;
  margin: 0;
}

/* ── LOANS LUXURY ───────────────────────────────────── */
.loans-luxury {
  padding: 4rem 2rem;
  background: var(--white);
}

.loans-luxury-inner {
  max-width: var(--container);
  margin: 0 auto;
}

.loans-luxury-header {
  text-align: center;
  margin-bottom: 2rem;
}

.loans-luxury-title {
  font-family: var(--bebas);
  font-size: 2.5rem;
  color: var(--navy);
  margin: 0;
}

.loan-grid-luxury {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.5rem;
  margin-bottom: 2.5rem;
}

/* 5 loan program cards — force one row to eliminate orphan */
.loans-luxury .loan-grid-luxury {
  grid-template-columns: repeat(5, 1fr);
}

.loan-card-luxury {
  background: var(--white);
  padding: 2rem;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  text-decoration: none;
  transition: all 0.25s;
  display: block;
}

.loan-card-luxury:hover {
  border-color: var(--gold);
  transform: translateY(-4px);
  box-shadow: var(--shadow);
}

.loan-card-luxury-icon {
  font-size: 2rem;
  margin-bottom: 1rem;
}

.loan-card-luxury-name {
  font-family: var(--oswald);
  font-size: 1.3rem;
  color: var(--navy);
  margin-bottom: 0.5rem;
  letter-spacing: 0.03em;
}

.loan-card-luxury-desc {
  font-size: 0.92rem;
  color: var(--muted);
  line-height: 1.6;
  margin-bottom: 1rem;
}

.loan-card-luxury-tag {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
}

.loans-luxury-cta,
.neighborhoods-luxury-cta {
  text-align: center;
}

.btn-navy {
  background: var(--navy);
  color: var(--white);
  padding: 1rem 2.5rem;
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  border-radius: var(--radius);
  text-decoration: none;
  transition: all 0.25s;
  display: inline-block;
}

.btn-navy:hover {
  background: #0d2a52;
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(7,23,49,0.3);
}

/* ── NEIGHBORHOODS LUXURY ───────────────────────────── */
.neighborhoods-luxury {
  padding: 4rem 2rem;
  background: var(--off-white);
}

.neighborhoods-luxury-inner {
  max-width: var(--container);
  margin: 0 auto;
}

.neighborhoods-luxury-header {
  text-align: center;
  margin-bottom: 2rem;
}

.neighborhoods-luxury-title {
  font-family: var(--bebas);
  font-size: 2.5rem;
  color: var(--navy);
  margin: 0;
}

/* ── FAQ LUXURY ─────────────────────────────────────── */
.faq-luxury {
  padding: 4rem 2rem;
  background: var(--white);
}

.faq-luxury-inner {
  max-width: 900px;
  margin: 0 auto;
}

.faq-luxury-header {
  text-align: center;
  margin-bottom: 2rem;
}

.faq-luxury-title {
  font-family: var(--bebas);
  font-size: 2.5rem;
  color: var(--navy);
  margin: 0;
}

.faq-grid-luxury {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
}

.faq-card-luxury {
  padding: 1.5rem;
  background: var(--off-white);
  border-radius: var(--radius);
  border-left: 3px solid var(--gold);
}

.faq-q-luxury {
  font-family: var(--oswald);
  font-size: 1.05rem;
  color: var(--navy);
  margin-bottom: 0.75rem;
  font-weight: 500;
}

.faq-a-luxury {
  font-size: 0.92rem;
  color: var(--muted);
  line-height: 1.7;
  margin: 0;
}

/* ── CTA LUXURY ─────────────────────────────────────── */
.cta-luxury {
  padding: 4rem 2rem;
  background: var(--navy);
  text-align: center;
}

.cta-luxury-inner {
  max-width: 600px;
  margin: 0 auto;
}

.cta-label-luxury {
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  display: block;
  margin-bottom: 0.75rem;
}

.cta-luxury-title {
  font-family: var(--bebas);
  font-size: 2.8rem;
  color: var(--white);
  margin-bottom: 1rem;
}

.cta-luxury-text {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.6);
  margin-bottom: 2rem;
}

.cta-luxury-buttons {
  display: flex;
  justify-content: center;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 1.5rem;
}

.cta-luxury-contact {
  display: flex;
  justify-content: center;
  gap: 2rem;
  margin-top: 0;
}

.cta-luxury-contact a {
  color: rgba(255,255,255,0.5);
  text-decoration: none;
  font-size: 0.95rem;
  transition: color 0.2s;
}

.cta-luxury-contact a:hover {
  color: var(--gold);
}

/* ── RESPONSIVE LUXURY ──────────────────────────────── */
@media (max-width: 900px) {
  .hero-luxury {
    flex-direction: column;
    justify-content: flex-start;
    min-height: 92vh;
    background:
      linear-gradient(to bottom, rgba(7,17,31,0.75) 0%, rgba(7,17,31,0.55) 50%, rgba(7,17,31,0.92) 100%),
      url('/assets/img/luxury-home-hero-mob.jpg') center center / cover no-repeat;
  }

  .hero-right-panel {
    display: none;
  }

  .hero-luxury .hero-content {
    padding: 1.25rem 1.5rem 2.5rem;
    max-width: 100%;
  }

  .hero-luxury-badge {
    white-space: nowrap;
    font-size: 0.72rem;
    margin-bottom: 1rem;
  }

  .hero-luxury-title {
    font-size: clamp(2.6rem, 12vw, 4rem);
    margin-bottom: 1rem;
  }

  .hero-luxury-bio {
    font-size: 0.95rem;
    line-height: 1.65;
    margin-bottom: 1.5rem;
  }

  .hero-luxury-actions {
    gap: 0.75rem;
    margin-bottom: 2rem;
  }

  .hero-luxury-actions .btn-gold,
  .hero-luxury-actions .btn-outline-luxury {
    padding: 0.85rem 1.5rem;
    font-size: 0.88rem;
  }

  .hero-luxury-stats {
    grid-template-columns: repeat(2, 1fr);
    gap: 1rem;
  }

  .about-luxury-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }

  .about-luxury-img img {
    height: 350px;
  }

  .about-luxury-frame {
    display: none;
  }

  .process-luxury-grid {
    grid-template-columns: 1fr;
  }

  .faq-grid-luxury {
    grid-template-columns: 1fr;
  }

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

  .loans-luxury .loan-grid-luxury {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (max-width: 600px) {
  .hero-luxury-actions {
    flex-direction: column;
  }

  .btn-gold,
  .btn-outline-luxury {
    text-align: center;
  }

  .trust-bar-inner {
    flex-direction: column;
    gap: 0.75rem;
  }

  .trust-divider {
    width: 30px;
    height: 1px;
  }

  .about-luxury-creds {
    flex-direction: column;
    gap: 1rem;
  }

  .loan-grid-luxury,
  .loans-luxury .loan-grid-luxury {
    grid-template-columns: 1fr;
  }

  .cta-luxury-buttons {
    flex-direction: column;
    align-items: center;
  }

  .cta-luxury-contact {
    flex-direction: column;
    gap: 0.75rem;
  }

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

  .luxury-stat-num {
    font-size: 1.8rem;
  }
}

/* ── LOAN CALCULATOR EMBED ─────────────────────────── */
.loan-calc-section {
  padding: 4rem 2rem;
  background: var(--off-white);
}

.loan-calc-inner {
  max-width: var(--container);
  margin: 0 auto;
}

.loan-calc-header {
  text-align: center;
  margin-bottom: 2rem;
}

.loan-calc-title {
  font-family: var(--bebas);
  font-size: 2.5rem;
  color: var(--navy);
  margin: 0 0 1rem;
}

.loan-calc-text {
  font-size: 1rem;
  color: var(--muted);
  max-width: 600px;
  margin: 0 auto 0.5rem;
}

.loan-calc-frame-wrap {
  max-width: 900px;
  margin: 0 auto;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  overflow: hidden;
}

.loan-calc-frame-wrap iframe {
  width: 100%;
  height: 700px;
  border: none;
  display: block;
}

.loan-calc-bottom {
  text-align: center;
  margin-top: 1.5rem;
}

.loan-calc-bottom p {
  font-size: 0.85rem;
  color: var(--muted);
  margin: 0;
}

/* ── APPLY CARD ─────────────────────────────────────── */
.apply-card {
  max-width: 680px;
  margin: 0 auto;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: 0 8px 32px rgba(0,0,0,0.08);
}

.apply-card-trust {
  display: flex;
  align-items: center;
  background: var(--navy);
  padding: 1.5rem 2rem;
}

.act-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  flex: 1;
  gap: 0.2rem;
}

.act-num {
  font-family: var(--bebas);
  font-size: 2rem;
  color: var(--gold);
  line-height: 1;
}

.act-label {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.5);
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.act-divider {
  width: 1px;
  height: 40px;
  background: rgba(201,144,42,0.2);
  flex-shrink: 0;
}

.apply-card-body {
  padding: 2.5rem 2rem;
  text-align: center;
}

.apply-card-steps {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  margin: 0 auto 2rem;
  max-width: 400px;
  text-align: left;
}

.acs-item {
  display: flex;
  align-items: center;
  gap: 1rem;
  font-size: 0.95rem;
  color: var(--muted);
}

.acs-num {
  font-family: var(--bebas);
  font-size: 1.4rem;
  color: var(--gold);
  width: 28px;
  flex-shrink: 0;
}

.btn-apply-lg {
  display: inline-flex;
  align-items: center;
  gap: 0.75rem;
  background: var(--gold);
  color: var(--navy);
  padding: 1.1rem 2.5rem;
  font-size: 1rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  border-radius: var(--radius);
  text-decoration: none;
  transition: all 0.25s;
  margin-bottom: 1rem;
}

.btn-apply-lg:hover {
  background: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(201,144,42,0.35);
}

.btn-apply-arrow {
  transition: transform 0.2s;
}

.btn-apply-lg:hover .btn-apply-arrow {
  transform: translateX(4px);
}

.apply-card-note {
  font-size: 0.8rem;
  color: var(--muted);
  margin: 0;
}

.apply-card-alt {
  border-top: 1px solid var(--border);
  padding: 1rem 2rem;
  text-align: center;
  font-size: 0.88rem;
  color: var(--muted);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.75rem;
  flex-wrap: wrap;
}

.apply-card-alt a {
  color: var(--navy);
  font-weight: 600;
  text-decoration: none;
  transition: color 0.2s;
}

.apply-card-alt a:hover {
  color: var(--gold);
}

@media (max-width: 600px) {
  .apply-card-trust {
    padding: 1.25rem 1rem;
  }

  .act-num {
    font-size: 1.5rem;
  }

  .apply-card-body {
    padding: 2rem 1.25rem;
  }

  .btn-apply-lg {
    width: 100%;
    justify-content: center;
  }
}

@media (max-width: 900px) {
  .loan-calc-frame-wrap iframe {
    height: 600px;
  }
}

/* ── GUIDES PAGE ────────────────────────────────────── */
.guides-intro {
  max-width: 800px;
  margin: 0 auto 3rem;
  text-align: center;
}

.intro-text {
  font-size: 1.15rem;
  line-height: 1.8;
  color: var(--muted);
  font-weight: 300;
}

.guides-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 2rem;
  margin-bottom: 4rem;
}

.guide-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 2rem;
  position: relative;
  transition: all 0.25s;
}

.guide-card:hover {
  border-color: var(--gold);
  transform: translateY(-4px);
  box-shadow: var(--shadow);
}

.guide-card-badge {
  position: absolute;
  top: 1rem;
  right: 1rem;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  color: var(--gold);
  background: rgba(201,144,42,0.1);
  padding: 0.25rem 0.6rem;
  border-radius: 2px;
}

.guide-card-icon {
  font-size: 2.5rem;
  margin-bottom: 1rem;
}

.guide-card h3 {
  font-family: var(--oswald);
  font-size: 1.3rem;
  margin-bottom: 0.75rem;
  line-height: 1.3;
}

.guide-card h3 a {
  color: var(--navy);
  text-decoration: none;
  transition: color 0.2s;
}

.guide-card h3 a:hover {
  color: var(--gold);
}

.guide-card p {
  font-size: 0.95rem;
  color: var(--muted);
  line-height: 1.7;
  margin-bottom: 1rem;
}

.guide-card-topics {
  list-style: disc;
  padding-left: 1.2rem;
  margin-bottom: 1.5rem;
  font-size: 0.9rem;
  color: var(--muted);
}

.guide-card-topics li {
  margin-bottom: 0.3rem;
  line-height: 1.5;
}

.guides-cta {
  text-align: center;
  background: var(--off-white);
  padding: 3rem 2rem;
  border-radius: var(--radius);
  border: 1px solid var(--border);
}

.guides-cta h3 {
  font-family: var(--bebas);
  font-size: 2rem;
  color: var(--navy);
  margin-bottom: 0.5rem;
}

.guides-cta p {
  font-size: 1rem;
  color: var(--muted);
  margin-bottom: 1.5rem;
}

.guides-cta-buttons {
  display: flex;
  justify-content: center;
  gap: 1rem;
  flex-wrap: wrap;
}

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

/* ── RESPONSIVE ─────────────────────────────────────── */
@media (max-width: 900px) {
  .hero {
    grid-template-columns: 1fr;
    min-height: auto;
  }

  .hero-photo-wrap {
    height: 420px;
    order: -1;
  }

  .hero-photo {
    object-position: top center;
    height: 420px;
    width: 100%;
  }

  .hero-content {
    padding: 2.5rem 1.5rem;
    max-width: 100%;
  }

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

  .about-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }

  .about-medal {
    right: 1rem;
  }

  .process-steps {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }

  .process-steps::before {
    display: none;
  }

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

  .about::before {
    display: none;
  }

  .nav-links {
    display: none;
  }

  .hamburger {
    display: flex;
  }

  .comparison-table {
    font-size: 0.85rem;
  }

  .comparison-table th,
  .comparison-table td {
    padding: 0.75rem 0.5rem;
  }
}

@media (max-width: 600px) {
  .hero h1 {
    font-size: 3rem;
  }

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

  .hero-actions {
    flex-direction: column;
  }

  .hero-actions a {
    text-align: center;
  }

  .mission-bar {
    gap: 1.2rem;
  }

  .about-creds {
    grid-template-columns: 1fr;
  }

  .footer-inner {
    flex-direction: column;
    align-items: flex-start;
  }

  .footer-right {
    align-items: flex-start;
  }

  .cta-contact {
    flex-direction: column;
    align-items: center;
    gap: 0.8rem;
  }
}