/* ============================================================
   GTA MORTGAGE SOLUTIONS — gtamortgagesolutions.ca
   Paul Hunjan, Mortgage Broker #M09001187
   MA Mortgage Architects, Brokerage #12728
   FSRA Regulated · Ontario
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=DM+Sans:ital,opsz,wght@0,9..40,300;0,9..40,400;0,9..40,500;0,9..40,600;0,9..40,700;1,9..40,400&family=Cormorant+Garamond:ital,wght@0,600;0,700;1,600;1,700&display=swap');

/* ── TOKENS ── */
:root {
  --navy:       #0F2340;
  --navy-mid:   #1B3A6B;
  --teal:       #0E7C7B;
  --gold:       #C9A84C;
  --gold-light: #DFC07A;
  --warm-white: #FAF8F5;
  --text:       #1A1A2E;
  --muted:      #5C6070;
  --border:     #E2E6EF;
  --white:      #FFFFFF;
}

/* ── RESET ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'DM Sans', sans-serif;
  color: var(--text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; }
a { text-decoration: none; color: inherit; }

/* ── URGENCY NOTICE BAR (Power of Sale page only) ── */
.urgency-bar {
  background: #fefce8;
  border-bottom: 1px solid #fde68a;
  color: #78350f;
  font-size: 0.82rem;
  font-weight: 500;
  text-align: center;
  padding: 9px 20px;
  line-height: 1.5;
}
.urgency-bar-icon {
  color: #b45309;
  margin-right: 6px;
}
.urgency-bar a { color: #7c2d12; }
.urgency-bar a:hover { text-decoration: underline; }
.urgency-bar strong { font-weight: 800; font-size: 0.88rem; color: #7c2d12; }

/* ── COMPLIANCE BAR ── */
.comp-bar {
  background: #C9A84C;
  color: #0F2340;
  font-size: 0.9rem;
  font-weight: 700;
  letter-spacing: 0.01em;
  text-align: center;
  padding: 13px 24px;
  line-height: 1.6;
}
.comp-bar strong { color: #0F2340; font-weight: 900; font-size: 0.95rem; }

/* ── NAV ── */
nav {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border);
}
.nav-wrap {
  max-width: 1200px; margin: 0 auto;
  padding: 0 32px;
  display: flex; align-items: center; justify-content: space-between;
  height: 68px;
}
.nav-logo {
  display: flex; flex-direction: column; gap: 2px;
}
.nav-logo-name {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.25rem; font-weight: 700;
  color: var(--navy); letter-spacing: -0.01em;
}
.nav-logo-sub {
  font-size: 0.6rem; letter-spacing: 0.08em;
  text-transform: uppercase; color: var(--muted);
}
.nav-links {
  display: flex; align-items: center; gap: 28px;
  list-style: none;
}
.nav-links a {
  font-size: 0.83rem; font-weight: 500; color: var(--text);
  transition: color 0.2s;
}
.nav-links a:hover { color: var(--teal); }
.nav-btn {
  background: var(--teal) !important; color: var(--white) !important;
  padding: 10px 22px !important; border-radius: 5px !important;
  font-weight: 600 !important; font-size: 0.83rem !important;
  transition: background 0.2s !important;
}
.nav-btn:hover { background: var(--navy) !important; }

/* Nav C — urgency link */
.nav-sep-item {
  margin-left: 8px;
  padding-left: 20px;
  border-left: 1px solid var(--border);
}
.nav-urgency {
  color: #dc2626 !important;
  font-weight: 700 !important;
  font-size: 0.83rem;
}
.nav-urgency:hover { color: #991b1b !important; }

/* Mobile hamburger */
.nav-hamburger {
  display: none;
  flex-direction: column; gap: 5px;
  background: none; border: none; cursor: pointer; padding: 4px;
}
.nav-hamburger span {
  display: block; width: 24px; height: 2px;
  background: var(--navy); border-radius: 2px;
  transition: all 0.3s;
}
.nav-hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-hamburger.open span:nth-child(2) { opacity: 0; }
.nav-hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-menu {
  display: none;
  position: fixed; top: 0; left: 0; right: 0; bottom: 0;
  background: var(--navy); z-index: 200;
  flex-direction: column; align-items: center; justify-content: center;
  gap: 32px;
}
.mobile-menu.open { display: flex; }
.mobile-menu a {
  color: var(--white); font-size: 1.2rem; font-weight: 600;
  font-family: 'Cormorant Garamond', serif;
  transition: color 0.2s;
}
.mobile-menu a:hover { color: var(--gold-light); }
.mobile-menu-close {
  position: absolute; top: 20px; right: 24px;
  background: none; border: none; color: white;
  font-size: 2rem; cursor: pointer;
}
.mobile-menu .mob-cta {
  background: var(--gold); color: var(--navy) !important;
  padding: 14px 36px; border-radius: 5px;
  font-size: 1rem !important; font-weight: 700 !important;
  font-family: 'DM Sans', sans-serif !important;
  margin-top: 8px;
}

/* ── HERO — SPLIT SCREEN (Homepage) ── */
.hero {
  display: grid;
  grid-template-columns: 1fr 480px;
  min-height: calc(100vh - 100px);
  overflow: hidden;
}
.hero-left {
  background: var(--navy);
  padding: 80px 64px 80px 80px;
  display: flex; flex-direction: column; justify-content: center;
  position: relative;
}
.hero-left::after {
  content: '';
  position: absolute; top: 0; right: -1px;
  width: 60px; height: 100%;
  background: var(--navy);
  clip-path: polygon(0 0, 100% 15%, 100% 85%, 0 100%);
  z-index: 2;
}
.hero-kicker {
  font-size: 0.7rem; font-weight: 700;
  letter-spacing: 0.15em; text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 24px;
  display: flex; align-items: center; gap: 12px;
}
.hero-kicker::before {
  content: '';
  display: block; width: 32px; height: 1px;
  background: var(--gold);
}
h1, h2, h3, h4, h5, h6, .serif-badge {
  font-family: 'Cormorant Garamond', serif;
}
h1 {
  font-size: clamp(2.8rem, 4.5vw, 4rem);
  font-weight: 700; line-height: 1.1;
  color: var(--white);
  margin-bottom: 28px;
  letter-spacing: -0.02em;
}
.hero h1 em { font-style: italic; color: var(--gold-light); }
.hero-sub {
  font-size: 1rem; line-height: 1.75;
  color: rgba(255,255,255,0.65);
  max-width: 480px; margin-bottom: 44px;
}
.hero-cta-group {
  display: flex; align-items: center; gap: 20px; flex-wrap: wrap;
}
.cta-primary {
  display: inline-block;
  background: var(--gold);
  color: var(--navy) !important;
  font-weight: 700; font-size: 0.9rem;
  padding: 16px 32px; border-radius: 4px;
  transition: background 0.2s, transform 0.15s;
  letter-spacing: 0.02em;
}
.cta-primary:hover { background: var(--gold-light); transform: translateY(-1px); }
.cta-phone {
  color: rgba(255,255,255,0.85) !important;
  font-size: 1.05rem; font-weight: 700;
  display: flex; align-items: center; gap: 8px;
  transition: color 0.2s;
  letter-spacing: 0.01em;
}
.cta-phone:hover { color: var(--white) !important; }
.hero-metrics {
  display: flex; gap: 36px;
  margin-top: 56px; padding-top: 40px;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.metric-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 2.4rem; font-weight: 700;
  color: var(--gold-light); line-height: 1;
}
.metric-label {
  font-size: 0.72rem; color: rgba(255,255,255,0.5);
  margin-top: 5px; line-height: 1.4; letter-spacing: 0.02em;
}

/* Hero Right — Photo */
.hero-right {
  position: relative; background: #0a1e35;
  overflow: hidden;
}
/* Hero Right — Quick Facts variant (homepage) */
.hero-right.hero-right-facts {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 48px 40px;
  background: linear-gradient(160deg, #0d1e35 0%, #0F2340 100%);
}
.hero-right.hero-right-facts .hero-quick-facts {
  width: 100%;
  max-width: 420px;
}
.hero-right.hero-right-facts .hqf-cta-btn {
  display: block;
  margin-top: 22px;
  background: var(--gold);
  color: var(--navy);
  font-weight: 700;
  font-size: 0.88rem;
  text-align: center;
  padding: 13px 24px;
  border-radius: 6px;
  letter-spacing: 0.02em;
  transition: background 0.2s;
}
.hero-right.hero-right-facts .hqf-cta-btn:hover {
  background: var(--gold-light);
}
.hero-photo {
  width: 100%; height: 100%;
  object-fit: cover; object-position: top center;
  filter: contrast(1.05) brightness(0.9);
  display: block;
}
.hero-photo-placeholder {
  width: 100%; height: 100%;
  background: linear-gradient(160deg, #1a2d4a 0%, #0a1520 100%);
  display: flex; flex-direction: column;
  align-items: center; justify-content: center;
  gap: 16px; color: rgba(255,255,255,0.3);
  font-size: 0.85rem; text-align: center; padding: 40px;
  min-height: 400px;
}
.photo-icon-lg { font-size: 4rem; opacity: 0.2; }
.hero-photo-overlay {
  position: absolute; bottom: 0; left: 0; right: 0;
  background: linear-gradient(to top, rgba(10,30,53,0.95) 0%, transparent 50%);
  padding: 48px 36px 36px;
}
.hero-name-card { color: white; }
.hero-name-card .name {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.6rem; font-weight: 700;
  letter-spacing: -0.01em;
}
.hero-name-card .title {
  font-size: 0.78rem; color: var(--gold-light);
  letter-spacing: 0.06em; text-transform: uppercase;
  margin-top: 4px;
}
.hero-name-card .licence {
  font-size: 0.68rem; color: rgba(255,255,255,0.4);
  margin-top: 6px;
}
.gold-bar {
  width: 40px; height: 3px;
  background: var(--gold); margin: 12px 0;
}

/* ── INNER PAGE HERO ── */
.page-hero {
  background: var(--navy);
  padding: 80px 32px;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute; top: 0; right: 0;
  width: 400px; height: 100%;
  background: linear-gradient(135deg, transparent 40%, rgba(14,124,123,0.15) 100%);
  pointer-events: none;
}
.page-hero-inner {
  max-width: 1200px; margin: 0 auto;
  position: relative; z-index: 1;
}

/* Two-column hero: text left, Quick Facts right */
.page-hero-inner.hero-with-facts {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 48px;
  align-items: center;
}
.hero-facts-col {
  position: relative;
}
.hero-quick-facts {
  background: linear-gradient(145deg, rgba(201,168,76,0.10) 0%, rgba(14,124,123,0.08) 100%);
  border: 1px solid rgba(201,168,76,0.45);
  border-top: 3px solid var(--gold);
  border-radius: 12px;
  padding: 30px 28px;
  backdrop-filter: blur(12px);
  box-shadow: 0 8px 40px rgba(0,0,0,0.35), inset 0 1px 0 rgba(255,255,255,0.06);
  position: relative;
  overflow: hidden;
}
.hero-quick-facts::before {
  content: '';
  position: absolute;
  top: -60px; right: -60px;
  width: 160px; height: 160px;
  background: radial-gradient(circle, rgba(201,168,76,0.12) 0%, transparent 70%);
  pointer-events: none;
}
.hero-quick-facts .hqf-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.15rem;
  font-weight: 700;
  font-style: italic;
  color: var(--gold-light);
  margin-bottom: 20px;
  padding-bottom: 14px;
  border-bottom: 1px solid rgba(201,168,76,0.30);
  display: flex;
  align-items: center;
  gap: 10px;
  letter-spacing: 0.01em;
}
.hero-quick-facts .hqf-title::before {
  content: '';
  display: inline-block;
  width: 3px; height: 18px;
  background: var(--gold);
  border-radius: 2px;
  flex-shrink: 0;
}
.hero-quick-facts ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0;
}
.hero-quick-facts li {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  font-size: 0.84rem;
  font-weight: 500;
  line-height: 1.55;
  color: rgba(255,255,255,0.90);
  padding: 9px 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.hero-quick-facts li:last-child { border-bottom: none; }
.hqf-check {
  display: inline-flex; align-items: center; justify-content: center;
  width: 18px; height: 18px; min-width: 18px;
  background: rgba(74,222,128,0.18);
  border: 1px solid rgba(74,222,128,0.45);
  border-radius: 50%;
  color: #4ade80;
  font-size: 0.62rem;
  font-weight: 900;
  margin-top: 2px;
}
.hqf-warn {
  display: inline-flex; align-items: center; justify-content: center;
  width: 18px; height: 18px; min-width: 18px;
  background: rgba(201,168,76,0.18);
  border: 1px solid rgba(201,168,76,0.45);
  border-radius: 50%;
  color: var(--gold-light);
  font-size: 0.65rem;
  font-weight: 900;
  margin-top: 2px;
}
.hero-quick-facts .hqf-divider {
  border: none;
  border-top: 1px solid rgba(201,168,76,0.25);
  margin: 4px 0;
}

/* ── KNOW YOUR RIGHTS CARD (Power of Sale hero) ── */
.hero-rights-card {
  background: linear-gradient(145deg, rgba(220,38,38,0.08) 0%, rgba(15,35,64,0.85) 100%);
  border: 1px solid rgba(220,38,38,0.35);
  border-top: 3px solid #dc2626;
  border-radius: 12px;
  padding: 28px 26px;
  backdrop-filter: blur(12px);
  box-shadow: 0 8px 40px rgba(0,0,0,0.40), inset 0 1px 0 rgba(255,255,255,0.05);
  position: relative;
  overflow: hidden;
}
.hero-rights-card::before {
  content: '';
  position: absolute;
  top: -50px; right: -50px;
  width: 140px; height: 140px;
  background: radial-gradient(circle, rgba(220,38,38,0.10) 0%, transparent 70%);
  pointer-events: none;
}
.hrc-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.2rem;
  font-weight: 700;
  font-style: italic;
  color: #fca5a5;
  margin-bottom: 10px;
  padding-bottom: 12px;
  border-bottom: 1px solid rgba(220,38,38,0.25);
  display: flex;
  align-items: center;
  gap: 10px;
}
.hrc-title::before {
  content: '';
  display: inline-block;
  width: 3px; height: 18px;
  background: #dc2626;
  border-radius: 2px;
  flex-shrink: 0;
}
.hrc-lead {
  font-size: 0.8rem;
  line-height: 1.55;
  color: rgba(255,255,255,0.65);
  margin-bottom: 18px;
}
.hrc-lead em { color: #fca5a5; font-style: italic; }
.hrc-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0;
}
.hrc-list li {
  display: flex;
  gap: 13px;
  align-items: flex-start;
  padding: 11px 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  font-size: 0.80rem;
  line-height: 1.55;
  color: rgba(255,255,255,0.88);
}
.hrc-list li:last-child { border-bottom: none; }
.hrc-list li strong { color: #fff; font-weight: 700; }
.hrc-list li em { color: #fca5a5; font-style: italic; }
.hrc-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.05rem;
  font-weight: 700;
  font-style: italic;
  color: #dc2626;
  min-width: 24px;
  line-height: 1.4;
  opacity: 0.85;
}
.hrc-cta-note {
  margin-top: 16px;
  padding-top: 14px;
  border-top: 1px solid rgba(220,38,38,0.25);
  font-size: 0.78rem;
  font-weight: 600;
  color: #fca5a5;
  text-align: center;
  letter-spacing: 0.01em;
}

@media (max-width: 900px) {
  .page-hero-inner.hero-with-facts {
    grid-template-columns: 1fr;
    gap: 32px;
  }
}
.page-hero .breadcrumb { margin-bottom: 24px; }
.page-hero .hero-kicker { margin-bottom: 20px; }
.page-hero h1 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(2.4rem, 4vw, 3.4rem);
  font-weight: 700; line-height: 1.1;
  color: var(--white); margin-bottom: 20px;
  letter-spacing: -0.02em;
}
.page-hero h1 em { font-style: italic; color: var(--gold-light); }
.page-hero .hero-sub {
  font-size: 1rem; line-height: 1.75;
  color: rgba(255,255,255,0.65);
  max-width: 540px; margin-bottom: 36px;
}
.hero-text-col { display: flex; flex-direction: column; }
.page-hero-cta {
  display: flex; align-items: center; gap: 16px; flex-wrap: wrap;
}

/* ── STATS STRIP ── */
.stats-strip {
  background: var(--navy-mid);
  padding: 28px 32px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.stats-grid {
  max-width: 1200px; margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}
.stat {
  text-align: center;
  padding: 12px 24px;
  border-right: 1px solid rgba(255,255,255,0.1);
}
.stat:last-child { border-right: none; }
.stat-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  font-weight: 700;
  color: var(--gold-light);
  line-height: 1;
  margin-bottom: 6px;
}
.stat-label {
  font-size: 0.72rem;
  font-weight: 600;
  color: rgba(255,255,255,0.55);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  line-height: 1.5;
}
@media (max-width: 640px) {
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stat:nth-child(2) { border-right: none; }
  .stat:nth-child(1), .stat:nth-child(2) {
    border-bottom: 1px solid rgba(255,255,255,0.1);
  }
}

/* ── CONTENT SECTION (service pages: 2-col body + sidebar) ── */
.content-section {
  padding: 96px 32px;
  background: var(--white);
}
.content-grid {
  max-width: 1200px; margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 56px;
  align-items: start;
}
.content-body { min-width: 0; }
.content-body h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(2.2rem, 4vw, 3.2rem) !important;
  font-weight: 700 !important; color: var(--navy);
  line-height: 1.2; margin-top: 64px; margin-bottom: 28px;
  letter-spacing: -0.02em;
}
.content-body h3 {
  font-size: clamp(1.4rem, 2.5vw, 1.8rem) !important; font-weight: 700 !important;
  color: var(--navy) !important; margin: 52px 0 18px !important;
  letter-spacing: -0.01em;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--gold);
}
.content-body p {
  font-size: 0.97rem; line-height: 1.85;
  max-width: 70ch;
  margin-bottom: 20px;
  color: var(--text); margin-bottom: 18px;
}
.content-body em { font-style: italic; color: var(--navy); }
.content-body strong { font-weight: 700; }

/* Checklist */
.checklist {
  list-style: none;
  display: flex; flex-direction: column; gap: 14px;
  margin: 20px 0 36px;
}
.content-body ul:not(.checklist) {
  list-style: disc;
  padding-left: 24px;
  margin: 16px 0 28px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.content-body ul:not(.checklist) li {
  font-family: 'DM Sans', sans-serif;
  font-size: 0.97rem;
  line-height: 1.75;
  color: var(--text-muted);
  padding-left: 4px;
}
.checklist li {
  display: flex; gap: 10px; align-items: flex-start;
  font-size: 0.9rem; line-height: 1.65; color: var(--text);
}
.check-icon {
  color: var(--teal); font-weight: 800;
  flex-shrink: 0; font-size: 0.9rem; margin-top: 2px;
}

/* Rate disclaimer box */
.rate-disclaimer {
  background: var(--warm-white);
  border-left: 3px solid var(--gold);
  border-radius: 0 6px 6px 0;
  padding: 16px 20px;
  font-size: 0.78rem; line-height: 1.7;
  color: var(--muted); margin: 20px 0 32px;
}

/* Alert / compliance box */
.alert-box {
  background: #fffbea;
  border: 1px solid #f0d070;
  border-left: 4px solid var(--gold);
  border-radius: 6px;
  padding: 16px 20px;
  font-size: 0.82rem; line-height: 1.7;
  color: #5a4a00; margin: 28px 0;
}
.alert-box strong { color: #3a2f00; }

/* ── SIDEBAR ── */
aside { position: sticky; top: 88px; }
.sidebar-card {
  background: var(--navy);
  border-radius: 12px;
  padding: 28px 24px;
  color: var(--white);
}
.sidebar-card h3 {
  font-size: 1.15rem; font-weight: 700;
  color: var(--white); margin-bottom: 10px;
}
.sidebar-card p {
  font-size: 0.82rem; line-height: 1.65;
  color: rgba(255,255,255,0.6); margin-bottom: 20px;
}
.sidebar-card .cta-primary {
  display: block; text-align: center;
  margin-bottom: 12px;
}
.wa-link {
  display: flex; align-items: center; justify-content: center;
  gap: 8px; background: #25D366; color: white !important;
  font-size: 0.85rem; font-weight: 700;
  padding: 11px 16px; border-radius: 5px;
  transition: background 0.2s; margin-bottom: 4px;
}
.wa-link:hover { background: #1ebe59; }
.sidebar-divider {
  border: none; border-top: 1px solid rgba(255,255,255,0.12);
  margin: 20px 0;
}
.sidebar-contact-item {
  display: flex; gap: 12px; align-items: flex-start;
  font-size: 0.82rem; line-height: 1.6;
  color: rgba(255,255,255,0.6); margin-bottom: 14px;
}
.sidebar-contact-item:last-of-type { margin-bottom: 0; }
.sidebar-contact-item .ico { flex-shrink: 0; font-size: 1rem; }
.sidebar-contact-item a { color: var(--gold-light); }
.sidebar-contact-item a[href^="tel"] {
  font-size: 1.25rem;
  font-family: 'Cormorant Garamond', serif;
  font-weight: 700;
  letter-spacing: 0.02em;
  color: var(--gold-light);
  display: block;
  line-height: 1.2;
}

/* Global tel link sizing — all pages */
a[href^="tel"] {
  font-weight: 700;
}
.footer-contact a[href^="tel"] {
  font-size: 1.1rem;
  font-family: 'Cormorant Garamond', serif;
  font-weight: 700;
  color: var(--gold-light);
  letter-spacing: 0.01em;
}
.faq-cta[href^="tel"] {
  font-size: 1.05rem;
  font-weight: 700;
}

@media (max-width: 900px) {
  .content-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  aside { position: static; }
}

/* ── EVICTION RIGHTS BANNER (Power of Sale page) ── */
.eviction-rights-banner {
  background: #fdf8ec;
  padding: 64px 32px;
  border-top: 1px solid #f0e4b8;
  border-bottom: 1px solid #f0e4b8;
}
.eviction-rights-inner {
  max-width: 720px;
  margin: 0 auto;
  text-align: center;
}
.eviction-eyebrow {
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: #b45309;
  margin-bottom: 18px;
}
.eviction-headline {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(1.7rem, 3vw, 2.4rem);
  font-weight: 700;
  color: #1a1a1a;
  line-height: 1.2;
  margin-bottom: 20px;
  letter-spacing: -0.02em;
}
.eviction-body {
  font-size: 1rem;
  line-height: 1.75;
  color: #444;
  margin-bottom: 32px;
}
.eviction-body strong { color: #1a1a1a; font-weight: 700; }
.eviction-cta {
  display: inline-block;
  background: #b91c1c;
  color: #ffffff !important;
  font-size: 1rem;
  font-weight: 700;
  padding: 18px 40px;
  border-radius: 6px;
  letter-spacing: 0.02em;
  transition: background 0.2s, transform 0.15s;
  box-shadow: 0 4px 18px rgba(185,28,28,0.30);
}
.eviction-cta:hover {
  background: #991b1b;
  transform: translateY(-1px);
}

/* ── BREADCRUMB ── */
.breadcrumb {
  display: inline-flex; align-items: center; gap: 10px;
  font-size: 0.95rem; font-weight: 700;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.25);
  border-radius: 30px;
  padding: 7px 18px;
  backdrop-filter: blur(4px);
}
.breadcrumb a { color: #ffffff; font-weight: 700; transition: color 0.2s; }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb-sep { color: #C9A84C; font-size: 1.1rem; font-weight: 900; }
.breadcrumb-current { color: #C9A84C; font-weight: 800; }

/* Breadcrumb on light background */
.breadcrumb-light {
  color: var(--text);
}
.breadcrumb-light a { color: var(--navy); font-weight: 700; }
.breadcrumb-light a:hover { color: var(--teal); }
.breadcrumb-light .breadcrumb-current { color: var(--teal); font-weight: 700; }

/* ── HERO CENTRED (homepage) ─────────────────────────── */
.hero.hero-centred {
  display: block;
  background: var(--navy);
  min-height: 560px;
  position: relative;
}
.hero-centre {
  max-width: 1200px;
  margin: 0 auto;
  text-align: left;
  padding: 100px 80px 80px;
}
.hero-centred .hero-kicker { justify-content: flex-start; }
.hero-centred h1 { color: #ffffff; font-size: clamp(2.8rem, 6vw, 5rem); max-width: 720px; }
.hero-centred h1 em { color: var(--gold-light); }
.hero-centred .hero-cta-group { justify-content: flex-start; }
.hero-centred .hero-metrics { justify-content: flex-start; gap: 48px; margin-top: 48px; }
.hero-centred .hero-sub { max-width: 560px; margin: 0 0 32px; color: rgba(255,255,255,0.65); }
.hero-centred .metric-num { color: var(--gold-light); font-family: 'Cormorant Garamond', serif; font-size: 2.2rem; font-weight: 700; }
.hero-centred .metric-label { color: rgba(255,255,255,0.5); font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.06em; margin-top: 4px; }
.hero-centred .hero-google-rating { justify-content: flex-start; }

.hero-google-rating {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 32px;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 50px;
  padding: 10px 20px;
}
.hero-stars { color: #FBBC05; font-size: 1.1rem; letter-spacing: 2px; }
.hero-rating-text { color: rgba(255,255,255,0.65); font-size: 0.78rem; font-weight: 500; }

/* ── TRUST STRIP ── */
.trust-strip {
  background: var(--warm-white);
  border-bottom: 1px solid var(--border);
  padding: 18px 32px;
}
.trust-strip-inner {
  max-width: 1200px; margin: 0 auto;
  display: flex; align-items: center;
  justify-content: center; gap: 0;
  flex-wrap: wrap;
}
.trust-pill {
  display: flex; align-items: center; gap: 8px;
  font-size: 0.8rem; color: var(--text);
  padding: 6px 24px;
  border-right: 1px solid var(--border);
}
.trust-pill:last-child { border-right: none; }
.trust-pill strong { color: var(--navy); font-weight: 700; }
.trust-dot {
  width: 6px; height: 6px; border-radius: 50%;
  background: var(--teal); flex-shrink: 0;
}

/* ── SHARED SECTION ── */
.section { padding: 96px 32px; }
.wrap { max-width: 1200px; margin: 0 auto; }
.eyebrow {
  font-size: 0.68rem; font-weight: 700;
  letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--teal); margin-bottom: 14px;
  display: flex; align-items: center; gap: 10px;
}
.eyebrow::after {
  content: ''; display: block;
  width: 24px; height: 1px; background: var(--teal);
}
.eyebrow-center { justify-content: center; }
.eyebrow-center::after { display: none; }
.section-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(2rem, 3vw, 2.8rem);
  font-weight: 700; color: var(--navy);
  line-height: 1.15; letter-spacing: -0.02em;
}
.section-lead {
  font-size: 1rem; color: var(--muted);
  line-height: 1.8; max-width: 560px;
}

/* ── WHO WE HELP ── */
.who { background: var(--white); }
.who-layout {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 80px; align-items: start;
}
.who-left { position: sticky; top: 100px; }
.who-left .section-lead { margin-top: 20px; }
.who-statement {
  margin-top: 32px; padding-left: 20px;
  border-left: 3px solid var(--gold);
}
.who-statement p {
  font-size: 1rem; line-height: 1.8;
  color: var(--text); font-style: italic;
}
.who-statement cite {
  display: block; margin-top: 12px;
  font-size: 0.78rem; font-style: normal;
  color: var(--muted); font-weight: 600;
}
.who-list { display: flex; flex-direction: column; gap: 2px; }
.who-item {
  padding: 24px 28px;
  border: 1px solid var(--border);
  border-radius: 8px;
  transition: all 0.2s; cursor: default;
}
.who-item:hover {
  border-color: var(--navy);
  background: var(--warm-white);
  transform: translateX(4px);
}
.who-item-header {
  display: flex; align-items: center;
  justify-content: space-between; gap: 16px;
  margin-bottom: 8px;
}
.who-item h3 { font-size: 0.95rem; font-weight: 700; color: var(--navy); }
.who-tag {
  font-size: 0.67rem; font-weight: 700;
  letter-spacing: 0.06em; text-transform: uppercase;
  padding: 3px 10px; border-radius: 3px; flex-shrink: 0;
}
.tag-urgent  { background: #fff1f2; color: #be123c; border: 1px solid #fecdd3; }
.tag-common  { background: #f0fdf4; color: #166534; border: 1px solid #bbf7d0; }
.tag-complex { background: #eff6ff; color: #1e40af; border: 1px solid #bfdbfe; }
.who-item p  { font-size: 0.85rem; color: var(--muted); line-height: 1.65; }

/* Who grid — Option B (2-col icon cards) */
.who-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.who-card {
  padding: 22px 24px;
  border: 1px solid var(--border); border-radius: 8px;
  transition: border-color 0.2s, background 0.2s;
}
.who-card:hover { border-color: var(--navy); background: var(--warm-white); }
.who-icon {
  width: 36px; height: 36px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.9rem; font-weight: 700;
  margin-bottom: 14px; flex-shrink: 0;
}
.who-icon-red   { background: #fff1f2; color: #be123c; }
.who-icon-teal  { background: rgba(14,124,123,0.1); color: var(--teal); }
.who-icon-amber { background: #fffbeb; color: #b45309; }
.who-icon-blue  { background: #eff6ff; color: #1e40af; }
.who-icon-navy  { background: rgba(15,35,64,0.1); color: var(--navy); }
.who-card h3 { font-size: 0.9rem; font-weight: 700; color: var(--navy); margin-bottom: 7px; }
.who-card p  { font-size: 0.82rem; color: var(--muted); line-height: 1.65; }

/* ── SERVICES ── */
.services { background: var(--navy); }
.services .section-title { color: var(--white); }
.services .eyebrow { color: var(--gold); }
.services .eyebrow::after { background: var(--gold); }
.services-header {
  display: flex; justify-content: space-between;
  align-items: flex-end; margin-bottom: 56px; gap: 24px;
}
.services-link {
  font-size: 0.85rem; color: var(--gold-light);
  font-weight: 500; white-space: nowrap;
  transition: color 0.2s;
}
.services-link:hover { color: white; }
.services-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px; background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.08);
}
.svc {
  background: var(--navy);
  padding: 32px 28px;
  transition: background 0.2s;
  cursor: pointer; display: block;
}
a.svc:hover, .svc:hover { background: rgba(255,255,255,0.05); }
.svc-num {
  font-size: 0.68rem; font-weight: 700;
  color: var(--gold); letter-spacing: 0.1em;
  margin-bottom: 20px;
}
.svc h3 {
  font-size: 1rem; font-weight: 700;
  color: var(--white); margin-bottom: 10px; line-height: 1.3;
}
.svc p { font-size: 0.82rem; color: rgba(255,255,255,0.5); line-height: 1.65; }
.svc-arrow {
  display: inline-block; margin-top: 20px;
  color: var(--gold); font-size: 1rem;
  opacity: 0; transform: translateX(-4px);
  transition: opacity 0.2s, transform 0.2s;
}
a.svc:hover .svc-arrow, .svc:hover .svc-arrow { opacity: 1; transform: translateX(0); }

/* ── PROCESS ── */
.process { background: var(--warm-white); }
.process-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 48px; margin-top: 64px;
  position: relative;
}
.process-grid::before {
  content: '';
  position: absolute; top: 28px;
  left: calc(16.6% + 12px); right: calc(16.6% + 12px);
  height: 1px;
  background: repeating-linear-gradient(
    90deg, var(--gold) 0, var(--gold) 6px,
    transparent 6px, transparent 14px
  );
}
.process-step { text-align: center; }
.step-circle {
  width: 56px; height: 56px;
  border: 2px solid var(--gold); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 24px;
  background: var(--white);
  box-shadow: 0 0 0 8px var(--warm-white);
}
.step-num-inner {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.4rem; font-weight: 700; color: var(--navy);
}
.process-step h3 {
  font-size: 1rem; font-weight: 700;
  color: var(--navy); margin-bottom: 10px;
}
.process-step p { font-size: 0.85rem; color: var(--muted); line-height: 1.7; }
.step-time {
  display: inline-block; margin-top: 14px;
  font-size: 0.72rem; font-weight: 600;
  color: var(--teal); letter-spacing: 0.04em;
}

/* ── TESTIMONIALS ── */
.testimonials { background: var(--white); }
.testi-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 24px; margin-top: 56px;
}
.testi-card {
  border: 1px solid var(--border); border-radius: 10px;
  padding: 32px 28px;
  transition: border-color 0.2s, box-shadow 0.2s;
  display: flex; flex-direction: column;
}
.testi-card:hover {
  border-color: var(--gold);
  box-shadow: 0 8px 32px rgba(201,168,76,0.1);
}
.testi-quote-mark {
  font-family: 'Cormorant Garamond', serif;
  font-size: 4rem; line-height: 0.6;
  color: var(--gold); opacity: 0.4;
  margin-bottom: 16px; display: block;
}
.testi-card blockquote {
  font-size: 0.92rem; line-height: 1.75;
  color: var(--text); flex: 1; font-style: italic;
}
.testi-meta {
  margin-top: 24px; padding-top: 20px;
  border-top: 1px solid var(--border);
  display: flex; align-items: center; gap: 12px;
}
.testi-avatar {
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--navy); flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 0.9rem; color: var(--gold-light);
}
.testi-name { font-size: 0.85rem; font-weight: 700; color: var(--navy); }
.testi-detail { font-size: 0.75rem; color: var(--muted); margin-top: 2px; }
.testi-badge {
  margin-top: 6px; display: inline-block;
  font-size: 0.68rem; font-weight: 700;
  letter-spacing: 0.05em; text-transform: uppercase;
  color: var(--teal); border: 1px solid rgba(14,124,123,0.3);
  background: rgba(14,124,123,0.06);
  padding: 3px 9px; border-radius: 3px;
}
.stars { color: var(--gold); font-size: 0.85rem; letter-spacing: 1px; margin-bottom: 12px; }

/* ── ABOUT — EDITORIAL ── */
.about { background: var(--warm-white); }
.about-layout {
  display: grid; grid-template-columns: 440px 1fr;
  gap: 80px; align-items: start;
}
.about-photo-wrap { position: sticky; top: 100px; }
.about-photo-frame { position: relative; }
.about-photo-frame::before {
  content: '';
  position: absolute; top: 20px; left: 20px;
  right: -20px; bottom: -20px;
  border: 2px solid var(--gold); border-radius: 4px; z-index: 0;
}
.about-photo {
  position: relative; z-index: 1;
  width: 100%; border-radius: 4px;
  filter: grayscale(15%) contrast(1.05); display: block;
}
.about-photo-placeholder {
  position: relative; z-index: 1;
  width: 100%; aspect-ratio: 4/5;
  background: linear-gradient(160deg, #d0d8e8 0%, #a8b4c8 100%);
  border-radius: 4px;
  display: flex; align-items: center; justify-content: center;
  flex-direction: column; gap: 12px; color: #6b7a99;
  font-size: 0.85rem; text-align: center; padding: 24px;
}
.about-content { padding-top: 8px; }
.about-content .section-title { margin-bottom: 24px; }
.about-badges {
  display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 28px;
}
.badge {
  font-size: 0.75rem; font-weight: 600;
  padding: 6px 14px; border-radius: 4px;
  background: var(--white); border: 1px solid var(--border);
  color: var(--navy);
}
.about-body p {
  font-size: 0.97rem; line-height: 1.85;
  color: var(--text); margin-bottom: 18px;
}
.about-body p strong { color: var(--navy); }
.pull-quote {
  margin: 32px 0; padding: 24px 28px;
  border-left: 3px solid var(--gold);
  background: var(--white);
}
.pull-quote p {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.3rem; font-style: italic;
  color: var(--navy); line-height: 1.5;
  margin: 0 !important;
}
.signature-block { margin-top: 36px; }
.signature-name {
  font-family: 'Cormorant Garamond', serif;
  font-size: 2rem; font-style: italic; color: var(--navy);
}
.signature-title {
  font-size: 0.75rem; color: var(--muted);
  margin-top: 4px; line-height: 1.5;
}

/* ── FAQ ── */
.faq { background: var(--white); }
.faq-layout {
  display: grid; grid-template-columns: 320px 1fr;
  gap: 80px; margin-top: 56px;
}
.faq-aside { position: sticky; top: 100px; }
.faq-aside .section-lead { margin-top: 16px; font-size: 0.92rem; }
.faq-cta {
  display: inline-block; margin-top: 28px;
  background: var(--navy); color: var(--white);
  font-weight: 700; font-size: 0.85rem;
  padding: 14px 24px; border-radius: 4px;
  transition: background 0.2s;
}
.faq-cta:hover { background: var(--teal); }
.faq-items { display: flex; flex-direction: column; gap: 1px; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-q {
  width: 100%; background: none; border: none; cursor: pointer;
  display: flex; justify-content: space-between; align-items: center;
  padding: 20px 0; text-align: left;
  font-family: 'DM Sans', sans-serif; font-size: 0.97rem; font-weight: 600;
  color: var(--navy); gap: 16px;
}
.faq-q:hover { color: var(--teal); }
.faq-icon { font-size: 1.3rem; font-weight: 300; flex-shrink: 0; color: var(--gold); transition: transform 0.25s; }
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-a {
  display: none;
  padding: 0 0 20px;
  font-size: 0.92rem; line-height: 1.75;
  color: var(--text-muted);
}
.faq-item.open .faq-a { display: block; }

/* ── FOOTER ──────────────────────────────────────────── */
footer {
  background: var(--navy);
  color: rgba(255,255,255,0.65);
  padding: 72px 32px 0;
}
.footer-grid {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.4fr;
  gap: 48px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand-name {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.3rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 12px;
}
.footer-brand p {
  font-size: 0.85rem;
  line-height: 1.7;
  margin-bottom: 20px;
}
.footer-ma-badge {
  font-size: 0.75rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.45);
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 16px;
}
.footer-ma-badge strong { color: var(--gold-light); }
.footer-col h4 {
  font-family: 'DM Sans', sans-serif;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--gold);
  margin-bottom: 16px;
}
.footer-col ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li { font-size: 0.85rem; }
.footer-col ul li a { color: rgba(255,255,255,0.6); transition: color 0.2s; }
.footer-col ul li a:hover { color: var(--gold-light); }
.footer-contact ul li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
.footer-contact .ico { font-size: 0.9rem; margin-top: 1px; flex-shrink: 0; }
.footer-contact a { color: rgba(255,255,255,0.6); transition: color 0.2s; }
.footer-contact a[href^="tel"] {
  font-size: 1.1rem;
  font-family: 'Cormorant Garamond', serif;
  font-weight: 700;
  color: var(--gold-light);
}
.footer-contact a:hover { color: var(--gold-light); }
.footer-bottom {
  max-width: 1200px;
  margin: 0 auto;
  padding: 24px 0 32px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer-legal {
  font-size: 0.72rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.35);
}
.footer-legal strong { color: rgba(255,255,255,0.5); }
.footer-copy {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.3);
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
}
.footer-wa-note {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.4);
}
.footer-wa-note a { color: var(--teal); }

@media (max-width: 900px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
}
@media (max-width: 600px) {
  .footer-grid { grid-template-columns: 1fr; }
}
/* ── END FOOTER ───────────────────────────────────────── */

/* ── FINAL CTA STRIP ─────────────────────────────────── */
.final-cta {
  background: var(--navy);
  text-align: center;
  padding: 80px 32px;
}
.final-cta h2 {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(1.8rem, 3.5vw, 2.8rem);
  color: #ffffff;
  margin-bottom: 16px;
}
.final-cta p {
  color: rgba(255,255,255,0.65);
  font-size: 1rem;
  max-width: 540px;
  margin: 0 auto 36px;
  line-height: 1.7;
}
.final-cta .cta-group {
  display: flex;
  justify-content: center;
  gap: 16px;
  flex-wrap: wrap;
}
.btn-white {
  background: #ffffff;
  color: var(--navy);
  font-weight: 700;
  font-size: 0.9rem;
  padding: 16px 32px;
  border-radius: 4px;
  transition: background 0.2s;
  text-decoration: none;
}
.btn-white:hover { background: var(--gold-light); color: var(--navy); }
.btn-outline {
  background: transparent;
  color: #ffffff;
  font-weight: 700;
  font-size: 0.9rem;
  padding: 16px 32px;
  border-radius: 4px;
  border: 1px solid rgba(255,255,255,0.35);
  transition: border-color 0.2s, color 0.2s;
  text-decoration: none;
}
.btn-outline:hover { border-color: var(--gold); color: var(--gold-light); }

/* ═══════════════════════════════════════════════════════
   MISSING CLASSES — COMPREHENSIVE AUDIT FIX
   ═══════════════════════════════════════════════════════ */

/* ── WHATSAPP WIDGET ─────────────────────────────────── */
.wa-widget {
  position: fixed; bottom: 28px; right: 28px; z-index: 9999;
  display: flex; flex-direction: column; align-items: flex-end; gap: 12px;
}
.wa-bubble {
  background: #25D366; color: #fff;
  width: 58px; height: 58px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.6rem; cursor: pointer;
  box-shadow: 0 4px 20px rgba(37,211,102,0.45);
  transition: transform 0.2s;
}
.wa-bubble:hover { transform: scale(1.08); }
.wa-pulse {
  position: absolute; width: 58px; height: 58px; border-radius: 50%;
  background: rgba(37,211,102,0.35);
  animation: waPulse 2s ease-out infinite;
}
@keyframes waPulse {
  0% { transform: scale(1); opacity: 0.7; }
  100% { transform: scale(1.9); opacity: 0; }
}
.wa-btn {
  background: #25D366; color: #fff !important;
  font-size: 0.82rem; font-weight: 700;
  padding: 10px 18px; border-radius: 50px;
  box-shadow: 0 2px 12px rgba(37,211,102,0.4);
  white-space: nowrap; text-decoration: none;
  display: inline-block;
}

/* ── URGENT BANNER ───────────────────────────────────── */
.urgent-banner {
  background: #fef3c7; border-left: 4px solid #f59e0b;
  padding: 16px 24px; border-radius: 6px;
  font-size: 0.9rem; color: #78350f;
  margin-bottom: 24px; line-height: 1.6;
}

/* ── CONTACT FORM ────────────────────────────────────── */
.contact-grid {
  max-width: 1100px; margin: 0 auto;
  display: grid; grid-template-columns: 1fr 420px; gap: 64px;
  align-items: start;
}
.form-wrap {
  background: #fff; border-radius: 12px;
  border: 1px solid #e8e4dc;
  padding: 40px 36px;
  box-shadow: 0 4px 32px rgba(15,35,64,0.07);
}
.form-section { margin-bottom: 28px; }
.form-field-row {
  display: grid; grid-template-columns: 1fr 1fr; gap: 16px;
  margin-bottom: 16px;
}
.field-label {
  display: block; font-size: 0.78rem; font-weight: 600;
  color: #0F2340; text-transform: uppercase; letter-spacing: 0.06em;
  margin-bottom: 6px;
}
.field-input {
  width: 100%; padding: 12px 14px;
  border: 1px solid #d1cdc4; border-radius: 6px;
  font-family: 'DM Sans', sans-serif; font-size: 0.92rem;
  color: #1a1a1a; background: #faf8f5;
  transition: border-color 0.2s;
  box-sizing: border-box;
}
.field-input:focus { outline: none; border-color: #0E7C7B; background: #fff; }
.submit-btn {
  width: 100%; background: #0F2340; color: #fff;
  font-family: 'DM Sans', sans-serif; font-size: 1rem; font-weight: 700;
  padding: 18px; border: none; border-radius: 6px; cursor: pointer;
  transition: background 0.2s; margin-top: 8px;
}
.submit-btn:hover { background: #0E7C7B; }
.form-disclaimer {
  font-size: 0.72rem; color: rgba(0,0,0,0.4);
  line-height: 1.6; margin-top: 16px; text-align: center;
}
@media (max-width: 768px) {
  .contact-grid { grid-template-columns: 1fr; }
  .form-field-row { grid-template-columns: 1fr; }
}

/* ── COMPARE TABLE ───────────────────────────────────── */
.compare-table-wrap { overflow-x: auto; margin: 32px 0; }
.compare-table {
  width: 100%; border-collapse: collapse;
  font-size: 0.9rem;
}
.compare-table th {
  background: #0F2340; color: #fff;
  padding: 16px 24px; text-align: left;
  font-weight: 600; font-size: 0.78rem;
  text-transform: uppercase; letter-spacing: 0.08em;
}
.compare-table td {
  padding: 18px 24px; border-bottom: 1px solid #e8e4dc;
  vertical-align: middle;
  font-size: 0.9rem; line-height: 1.6;
}
.compare-table tr:hover td { background: #faf8f5; }
.cell-yes { color: #16a34a; font-weight: 700; }
.cell-no  { color: #dc2626; font-weight: 700; }

/* ── DEBT CONSOLIDATION CALCULATOR ──────────────────── */
.calc-layout {
  display: grid; grid-template-columns: 1fr 1fr; gap: 48px;
  margin-top: 32px;
}
.calc-inputs, .calc-mortgage-inputs { display: flex; flex-direction: column; gap: 16px; }
.calc-field { display: flex; flex-direction: column; gap: 6px; }
.calc-field-row {
  display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 12px;
}
.calc-results {
  background: #0F2340; border-radius: 12px;
  padding: 32px 28px; color: #fff;
}
.result-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 10px 0;
}
.result-label { font-size: 0.85rem; color: rgba(255,255,255,0.65); }
.result-val { font-family: 'Cormorant Garamond', serif; font-size: 1.4rem; font-weight: 700; color: #DFC07A; }
.result-green { color: #4ade80 !important; }
.result-red   { color: #f87171 !important; }
.result-highlight { background: rgba(201,168,76,0.15); border-radius: 8px; padding: 16px; margin: 12px 0; }
.result-divider { border: none; border-top: 1px solid rgba(255,255,255,0.1); margin: 12px 0; }
.calc-note { font-size: 0.72rem; color: rgba(0,0,0,0.45); margin-top: 12px; line-height: 1.6; }
.debt-table-wrap { overflow-x: auto; margin-bottom: 16px; }
.debt-table { width: 100%; border-collapse: collapse; font-size: 0.85rem; }
.debt-table th { background: #f0ece4; padding: 10px 12px; text-align: left; font-weight: 600; font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.05em; color: #555; }
.debt-table td { padding: 10px 12px; border-bottom: 1px solid #e8e4dc; }
.debt-name, .debt-balance, .debt-rate, .debt-payment { width: 100%; padding: 8px 10px; border: 1px solid #d1cdc4; border-radius: 4px; font-size: 0.85rem; background: #faf8f5; font-family: 'DM Sans', sans-serif; }
.add-debt-btn {
  background: transparent; border: 1px dashed #C9A84C; color: #C9A84C;
  font-size: 0.82rem; font-weight: 600; padding: 10px 20px;
  border-radius: 4px; cursor: pointer; width: 100%;
  transition: background 0.2s;
}
.add-debt-btn:hover { background: rgba(201,168,76,0.08); }

@media (max-width: 768px) {
  .calc-layout { grid-template-columns: 1fr; }
  .calc-field-row { grid-template-columns: 1fr; }
}

/* ============================================================
   NAV DROPDOWN
   ============================================================ */
.nav-has-dropdown { position: relative; }

.nav-dropdown-trigger {
  background: none;
  border: none;
  font-family: inherit;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--text);
  cursor: pointer;
  padding: 0;
  display: flex;
  align-items: center;
  gap: 5px;
  transition: color 0.2s;
  letter-spacing: -0.01em;
}
.nav-dropdown-trigger:hover { color: var(--teal); }

.nav-dropdown-arrow {
  font-size: 0.6rem;
  transition: transform 0.22s;
  display: inline-block;
  margin-top: 1px;
}
.nav-has-dropdown:hover .nav-dropdown-arrow,
.nav-has-dropdown.open .nav-dropdown-arrow { transform: rotate(180deg); }

.nav-dropdown-menu {
  display: none;
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%);
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 12px;
  box-shadow: 0 16px 48px rgba(15,35,64,0.16);
  padding: 8px;
  padding-top: 16px;
  margin-top: 8px;
  min-width: 230px;
  z-index: 9999;
  flex-direction: column;
}
/* Bridge gap so mouse can travel from button to menu without hover breaking */
.nav-has-dropdown::after {
  content: '';
  position: absolute;
  top: 100%;
  left: 0;
  right: 0;
  height: 12px;
}
.nav-has-dropdown:hover .nav-dropdown-menu,
.nav-has-dropdown.open .nav-dropdown-menu { display: flex; }

.nav-dropdown-menu a {
  font-size: 0.855rem;
  font-weight: 500;
  color: var(--navy);
  padding: 9px 14px;
  border-radius: 7px;
  text-decoration: none;
  transition: background 0.15s, color 0.15s;
  white-space: nowrap;
  display: block;
}
.nav-dropdown-menu a:hover {
  background: var(--warm-white);
  color: var(--teal);
}