/* ═══════════════════════════════════════════════════════════
   V4 — HIGH-CONVERSION ELITE
   CRO-focused. Trust signals, stat counters, prominent CTAs,
   social proof. Warm palette + bold action color.
   DM Sans typeface.
   ═══════════════════════════════════════════════════════════ */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --white:#fff;--gray:#f7f7f7;--line:#e8e8e8;
  --navy:#1a1a2e;--text:#444;--muted:#888;
  --cta:#e63946;--cta-hover:#c5303c;
  --trust:#16a34a;
  --font:'DM Sans',sans-serif;
  --ease:cubic-bezier(.16,1,.3,1);
}
html{scroll-behavior:smooth;font-size:16px}
body{font-family:var(--font);color:var(--text);background:var(--white);overflow-x:hidden;-webkit-font-smoothing:antialiased;line-height:1.7}
img{max-width:100%;display:block}
a{text-decoration:none;color:inherit}

/* NAV */
.nav{position:fixed;top:0;width:100%;z-index:100;background:var(--navy);padding:0 2.5rem;display:flex;align-items:center;justify-content:space-between;height:58px}
.nav-logo img{height:26px;filter:brightness(0) invert(1)}
.nav-links{display:flex;gap:1.8rem;align-items:center}
.nav-links a{font-size:.72rem;font-weight:500;color:rgba(255,255,255,.6);transition:color .2s}
.nav-links a:hover,.nav-links a.active{color:#fff}
.nav-cta{padding:.5rem 1.3rem;background:var(--cta);color:var(--white);font-size:.68rem;font-weight:700;border-radius:6px;transition:background .2s}
.nav-cta:hover{background:var(--cta-hover)}
.mob-btn{display:none;background:none;border:none;color:#fff;font-size:1.2rem;cursor:pointer;line-height:1}

/* HERO — CTA above the fold */
.hero{padding:7rem 2.5rem 4rem;display:grid;grid-template-columns:1.1fr .9fr;gap:3rem;align-items:center;max-width:1100px;margin:0 auto}
.hero-text .trust-badge{display:inline-flex;align-items:center;gap:.4rem;font-size:.65rem;font-weight:600;color:var(--trust);margin-bottom:1rem}
.hero-text .trust-badge::before{content:'✓';display:flex;align-items:center;justify-content:center;width:18px;height:18px;background:var(--trust);color:#fff;border-radius:50%;font-size:.55rem}
.hero-text h1{font-size:clamp(2.4rem,5vw,3.5rem);font-weight:700;color:var(--navy);line-height:1.08;letter-spacing:-.025em;margin-bottom:.8rem}
.hero-text h1 span{color:var(--cta)}
.hero-text p{font-size:.95rem;color:var(--text);margin-bottom:1.5rem;line-height:1.8}
.hero-cta-row{display:flex;gap:.7rem;flex-wrap:wrap;margin-bottom:1.5rem}
.hero-img{border-radius:14px;overflow:hidden;box-shadow:0 24px 70px rgba(0,0,0,.14);border:3px solid var(--navy)}
.hero-img img{width:100%;height:100%;object-fit:cover;min-height:380px}

/* STAT BAR */
.stat-bar{background:var(--navy);padding:3rem 2.5rem;display:flex;justify-content:center;gap:5rem;flex-wrap:wrap;position:relative}
.stat-bar::after{content:'';position:absolute;bottom:0;left:50%;transform:translateX(-50%);width:200px;height:3px;background:var(--cta)}
.stat-num{font-size:2.4rem;font-weight:700;color:var(--white);letter-spacing:-.02em}
.stat-label{font-size:.65rem;font-weight:500;color:rgba(255,255,255,.45);text-transform:uppercase;letter-spacing:1.5px;margin-top:.15rem}

/* BUTTONS */
.btn-cta{display:inline-flex;align-items:center;gap:.5rem;padding:.85rem 2.2rem;background:var(--cta);color:var(--white);font-family:var(--font);font-size:.78rem;font-weight:700;border-radius:8px;border:none;cursor:pointer;transition:all .2s;animation:ctaPulse 2.5s ease infinite}
.btn-cta:hover{background:var(--cta-hover);transform:translateY(-2px);box-shadow:0 8px 24px rgba(230,57,70,.3);animation:none}
@keyframes ctaPulse{0%,100%{box-shadow:0 0 0 0 rgba(230,57,70,.3)}50%{box-shadow:0 0 0 8px rgba(230,57,70,0)}}
.btn-outline{display:inline-flex;align-items:center;gap:.5rem;padding:.8rem 2rem;background:transparent;color:var(--navy);font-family:var(--font);font-size:.78rem;font-weight:600;border-radius:8px;border:1.5px solid var(--line);cursor:pointer;transition:all .2s}
.btn-outline:hover{border-color:var(--navy)}
.btn-navy{display:inline-flex;align-items:center;gap:.5rem;padding:.8rem 2rem;background:var(--navy);color:var(--white);font-family:var(--font);font-size:.78rem;font-weight:700;border-radius:8px;border:none;cursor:pointer;transition:all .2s}
.btn-navy:hover{background:#12121f;transform:translateY(-1px)}

/* SECTION */
.sect{padding:5.5rem 2.5rem}
.sect-inner{max-width:1060px;margin:0 auto}
.sect.gray{background:var(--gray)}
.sect.navy{background:var(--navy);color:var(--white)}

/* PAGE HERO (inner) */
.page-hero{padding:7rem 2.5rem 3rem;text-align:center;background:var(--navy)}
.page-hero .badge{display:inline-block;font-size:.6rem;font-weight:600;letter-spacing:2px;text-transform:uppercase;color:var(--cta);margin-bottom:.75rem}
.page-hero h1{font-size:clamp(2rem,4.5vw,3rem);font-weight:700;color:var(--white);line-height:1.1;letter-spacing:-.02em;max-width:640px;margin:0 auto}
.page-hero h1 span{color:var(--cta)}

/* TWO-COL */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:3.5rem;align-items:center;max-width:1060px;margin:0 auto}
.two-col-img{border-radius:12px;overflow:hidden}
.two-col-img img{width:100%;height:100%;object-fit:cover;min-height:350px}
.two-col-text .badge{display:inline-block;font-size:.55rem;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--cta);margin-bottom:.6rem}
.two-col-text h2{font-size:clamp(1.5rem,2.5vw,2rem);font-weight:700;color:var(--navy);line-height:1.2;letter-spacing:-.01em;margin-bottom:.9rem}
.two-col-text p{font-size:.88rem;color:var(--text);line-height:1.85;margin-bottom:.6rem}

/* CORE VALUES GRID */
.cv-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.2rem;max-width:1060px;margin:2rem auto 0}
.cv-card{text-align:center;padding:1.5rem 1rem;border-radius:10px;background:var(--white);border:1px solid var(--line);transition:transform .2s,box-shadow .2s}
.cv-card:hover{transform:translateY(-3px);box-shadow:0 6px 20px rgba(0,0,0,.06)}
.cv-card .icon{font-size:1.5rem;margin-bottom:.5rem}
.cv-card h3{font-size:.82rem;font-weight:700;color:var(--navy)}

/* FEATURE LIST */
.feat-list{list-style:none;padding:0;margin:1rem 0}
.feat-list li{display:flex;align-items:flex-start;gap:.7rem;padding:.5rem 0;font-size:.88rem;color:var(--text);line-height:1.6}
.feat-list li::before{content:'✓';display:flex;align-items:center;justify-content:center;min-width:22px;height:22px;background:rgba(22,163,74,.1);color:var(--trust);border-radius:50%;font-size:.6rem;font-weight:700;margin-top:.1rem}

/* CENTER TEXT */
.center-text{max-width:620px;margin:0 auto;text-align:center}
.center-text .badge{display:inline-block;font-size:.55rem;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--cta);margin-bottom:.6rem}
.center-text h2{font-size:clamp(1.5rem,2.5vw,2rem);font-weight:700;color:var(--navy);line-height:1.2;margin-bottom:.3rem}
.sect.navy .center-text h2{color:var(--white)}
.center-text h3{font-size:.88rem;font-weight:500;color:var(--cta);margin-bottom:.9rem}
.center-text p{font-size:.88rem;color:var(--text);line-height:1.85}
.sect.navy .center-text p{color:rgba(255,255,255,.55)}

/* TESTIMONIAL / QUOTE */
.quote-banner{background:var(--navy);border-top:3px solid var(--cta);border-bottom:3px solid var(--cta);padding:5rem 2.5rem;text-align:center}
.quote-banner p{font-size:clamp(1.1rem,1.8vw,1.35rem);font-weight:400;font-style:italic;color:var(--white);max-width:640px;margin:0 auto;line-height:1.9}
.quote-attr{margin-top:.8rem;font-size:.75rem;font-weight:600;color:var(--cta);font-style:normal}

/* CONTACT */
.contact-grid{display:grid;grid-template-columns:1fr 1.2fr;gap:3.5rem;align-items:start;max-width:1060px;margin:0 auto}
.c-info h2{font-size:clamp(1.5rem,2.5vw,2rem);font-weight:700;color:var(--navy);margin-bottom:.4rem}
.c-info>p{font-size:.85rem;color:var(--muted);margin-bottom:2rem}
.c-detail{margin-bottom:1.2rem}
.c-detail .lbl{font-size:.55rem;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--cta);margin-bottom:.15rem}
.c-detail p,.c-detail a{font-size:.88rem;color:var(--navy);display:block;line-height:1.6}
.c-detail a:hover{color:var(--cta)}
.c-form{display:flex;flex-direction:column;gap:.7rem;background:var(--gray);padding:2rem;border-radius:12px;border:1px solid var(--line)}
.c-form input,.c-form select,.c-form textarea{width:100%;padding:.75rem 1rem;border:1px solid var(--line);font-family:var(--font);font-size:.84rem;color:var(--navy);background:var(--white);border-radius:8px;transition:border-color .2s;appearance:none;-webkit-appearance:none}
.c-form input::placeholder,.c-form textarea::placeholder{color:#bbb}
.c-form input:focus,.c-form select:focus,.c-form textarea:focus{outline:none;border-color:var(--cta);box-shadow:0 0 0 3px rgba(230,57,70,.08)}
.c-form textarea{resize:vertical;min-height:90px}
.c-form .row{display:flex;gap:.7rem}
.c-form .row>*{flex:1}
.c-form button{padding:.85rem;background:var(--cta);color:var(--white);border:none;font-family:var(--font);font-size:.78rem;font-weight:700;border-radius:8px;cursor:pointer;transition:background .2s}
.c-form button:hover{background:var(--cta-hover)}
.c-form .micro{font-size:.68rem;color:var(--muted);text-align:center;margin-top:.3rem}

/* FOOTER */
.foot{background:var(--navy);text-align:center;padding:2rem;font-size:.72rem;color:rgba(255,255,255,.25)}

/* RESPONSIVE */
@media(max-width:800px){
  .nav{padding:0 1.25rem;height:54px}
  .nav-links{display:none;position:fixed;top:0;left:0;width:100%;height:100vh;background:var(--navy);flex-direction:column;justify-content:center;align-items:center;gap:1.5rem;z-index:99}
  .nav-links.active{display:flex}
  .nav-links.active a{font-size:.9rem;color:#fff}
  .mob-btn{display:block;z-index:101}
  .hero{grid-template-columns:1fr;padding:6rem 1.25rem 3rem;text-align:center}
  .hero-cta-row{justify-content:center}
  .hero-img img{min-height:250px}
  .sect{padding:4rem 1.25rem}
  .two-col,.contact-grid{grid-template-columns:1fr;gap:2.5rem}
  .two-col-img img{min-height:250px}
  .stat-bar{gap:2rem;padding:2rem 1.25rem}
  .cv-grid{grid-template-columns:1fr 1fr;gap:.8rem}
  .page-hero{padding:6rem 1.25rem 2.5rem}
  .c-form .row{flex-direction:column}
}

/* REVEAL */
.rv{opacity:0;transform:translateY(28px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.rv.vis{opacity:1;transform:none}

/* — URGENCY BANNER — */
.urgency-bar{background:var(--cta);text-align:center;padding:.5rem 1rem;font-size:.7rem;font-weight:600;color:var(--white);letter-spacing:.5px}
.urgency-bar a{color:var(--white);text-decoration:underline}

/* — HOME SEARCH (bold CRO) — */
.search-sect{padding:5.5rem 2.5rem;background:var(--navy);position:relative;overflow:hidden}
.search-sect::before{content:'';position:absolute;top:-80px;right:-80px;width:300px;height:300px;background:var(--cta);opacity:.06;border-radius:50%}
.search-inner{max-width:960px;margin:0 auto;text-align:center;position:relative;z-index:1}
.search-inner .badge{display:inline-flex;align-items:center;gap:.4rem;font-size:.62rem;font-weight:700;color:var(--trust);margin-bottom:.8rem}
.search-inner .badge::before{content:'🏠';font-size:.85rem}
.search-inner h2{font-size:clamp(1.8rem,3.5vw,2.8rem);font-weight:700;color:var(--white);letter-spacing:-.02em;margin-bottom:.3rem}
.search-inner h2 span{color:var(--cta)}
.search-inner>p{color:rgba(255,255,255,.45);font-size:.88rem;margin-bottom:2rem}
.search-form{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr auto;gap:.5rem;background:rgba(255,255,255,.06);border-radius:12px;padding:.8rem;border:1px solid rgba(255,255,255,.08)}
.search-form input,.search-form select{padding:.75rem 1rem;border:1px solid rgba(255,255,255,.1);background:rgba(255,255,255,.05);color:var(--white);font-family:var(--font);font-size:.82rem;border-radius:8px;transition:border-color .2s;appearance:none;-webkit-appearance:none}
.search-form input::placeholder,.search-form select{color:rgba(255,255,255,.3)}
.search-form input:focus,.search-form select:focus{outline:none;border-color:var(--cta);box-shadow:0 0 0 3px rgba(230,57,70,.1)}
.search-form button{padding:.75rem 2rem;background:var(--cta);color:var(--white);border:none;font-family:var(--font);font-size:.78rem;font-weight:700;border-radius:8px;cursor:pointer;transition:all .2s}
.search-form button:hover{background:var(--cta-hover);transform:translateY(-1px)}
.search-trust{margin-top:1rem;font-size:.68rem;color:rgba(255,255,255,.3)}
.search-trust span{color:var(--trust)}
@media(max-width:800px){
  .search-form{grid-template-columns:1fr}
  .search-sect{padding:4rem 1.25rem}
}

/* — MORTGAGE CALCULATOR (CRO bold) — */
.calc-sect{padding:5.5rem 2.5rem}
.calc-sect.gray{background:var(--gray)}
.calc-inner{max-width:960px;margin:0 auto}
.calc-header{text-align:center;margin-bottom:2.5rem}
.calc-header .badge{display:inline-flex;align-items:center;gap:.4rem;font-size:.6rem;font-weight:700;color:var(--cta);margin-bottom:.6rem}
.calc-header .badge::before{content:'🧮';font-size:.8rem}
.calc-header h2{font-size:clamp(1.6rem,3vw,2.4rem);font-weight:700;color:var(--navy);letter-spacing:-.02em}
.calc-header h2 span{color:var(--cta)}
.calc-header>p{color:var(--muted);font-size:.88rem;margin-top:.3rem}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:start}
.calc-inputs{display:flex;flex-direction:column;gap:.9rem}
.calc-field label{display:block;font-size:.58rem;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:var(--cta);margin-bottom:.25rem}
.calc-field input,.calc-field select{width:100%;padding:.75rem 1rem;border:1px solid var(--line);font-family:var(--font);font-size:.95rem;color:var(--navy);background:var(--white);border-radius:8px;transition:border-color .2s;appearance:none;-webkit-appearance:none}
.calc-field input:focus,.calc-field select:focus{outline:none;border-color:var(--cta);box-shadow:0 0 0 3px rgba(230,57,70,.08)}
.calc-field .row{display:flex;gap:.6rem}
.calc-field .row>*{flex:1}
.calc-result{background:var(--navy);color:var(--white);border-radius:14px;padding:2.5rem;text-align:center;position:sticky;top:80px}
.calc-result .result-label{font-size:.55rem;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--cta);margin-bottom:.4rem}
.calc-result .result-amount{font-size:clamp(2.6rem,5vw,3.8rem);font-weight:700;color:var(--white);line-height:1;letter-spacing:-.02em}
.calc-result .result-period{font-size:.78rem;color:rgba(255,255,255,.4);margin-top:.3rem;margin-bottom:2rem}
.calc-breakdown{text-align:left}
.calc-breakdown .brk-row{display:flex;justify-content:space-between;padding:.5rem 0;border-bottom:1px solid rgba(255,255,255,.08);font-size:.8rem}
.calc-breakdown .brk-row span:first-child{color:rgba(255,255,255,.45)}
.calc-breakdown .brk-row span:last-child{color:var(--white);font-weight:600}
.calc-breakdown .brk-row.total{border-bottom:none;border-top:2px solid var(--cta);margin-top:.5rem;padding-top:.7rem}
.calc-breakdown .brk-row.total span{font-weight:700;color:var(--cta)}
.calc-cta{margin-top:1.5rem}
.calc-disclaimer{text-align:center;margin-top:1.2rem;font-size:.68rem;color:var(--muted)}
@media(max-width:800px){
  .calc-grid{grid-template-columns:1fr}
  .calc-result{position:static}
  .calc-sect{padding:4rem 1.25rem}
}