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

:root {
  --navy:      #2c2420;
  --blue:      #4a3728;
  --gold:      #a07850;
  --gold-lt:   #c4a07a;
  --white:     #faf8f5;
  --off-white: #f2ede6;
  --gray:      #7c6f62;
  --light:     #ede8e0;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Georgia', serif;
  color: #2c2420;
  background: var(--white);
  line-height: 1.7;
}

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

/* ===== NAV ===== */
nav {
  position: sticky; top: 0; z-index: 100;
  background: #faf8f5;
  display: flex; align-items: center; justify-content: space-between; gap: 0.75rem;
  padding: 0 2rem;
  height: 70px;
  border-bottom: 1px solid rgba(160,120,80,0.2); box-shadow: 0 2px 12px rgba(44,36,32,0.08);
}


.nav-brand {
  display: flex; flex-direction: row; align-items: center; gap: 0.85rem; line-height: 1.2;
}
.nav-logo {
  width: 42px; height: 42px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid rgba(160,120,80,0.4);
  flex-shrink: 0;
}
.nav-brand-text { display: flex; flex-direction: column; }
.nav-brand .name {
  color: var(--navy);
  font-size: 1.15rem;
  font-weight: 700;
  letter-spacing: 0.04em;
}
.nav-brand .title {
  color: var(--gray);
  font-size: 0.68rem;
  font-family: 'Arial', sans-serif;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  white-space: nowrap;
}

.nav-links { display: flex; gap: 1.1rem; list-style: none; align-items: center; flex-wrap: nowrap; }
.nav-links a {
  color: var(--gray);
  font-family: 'Arial', sans-serif;
  font-size: 0.78rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  transition: color 0.2s;
  white-space: nowrap;
}
.nav-links a:hover, .nav-links a.active { color: var(--gold); }

.nav-cta {
  background: var(--navy);
  color: var(--white) !important;
  padding: 0.45rem 1.2rem;
  border-radius: 4px;
  font-weight: 700 !important;
  transition: background 0.2s !important;
}
.nav-cta:hover { background: var(--blue) !important; color: var(--white) !important; }

/* ===== HERO ===== */
.hero {
  background: linear-gradient(135deg, #2c2420 0%, #4a3728 55%, #5a4535 100%);
  min-height: 72vh;
  display: flex; align-items: center;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23a07850' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.hero-inner {
  position: relative;
  max-width: 1100px; margin: 0 auto;
  padding: 2.5rem 2.5rem;
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 4rem; align-items: center;
}

.hero-text h1 {
  font-size: 3rem;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 0.5rem;
}
.hero-text h1 span { color: var(--gold); }

.hero-text .tagline {
  font-family: 'Arial', sans-serif;
  font-size: 1rem;
  color: var(--gold-lt);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
}

.hero-text p {
  color: rgba(255,255,255,0.82);
  font-size: 1.08rem;
  margin-bottom: 2rem;
}

.hero-btns { display: flex; gap: 1rem; flex-wrap: wrap; }

.btn-primary {
  background: var(--gold);
  color: var(--navy);
  padding: 0.85rem 2rem;
  border-radius: 4px;
  font-family: 'Arial', sans-serif;
  font-weight: 700;
  font-size: 0.9rem;
  letter-spacing: 0.05em;
  transition: background 0.2s, transform 0.15s;
  display: inline-block;
}
.btn-primary:hover { background: var(--gold-lt); transform: translateY(-2px); }

.btn-outline {
  border: 2px solid rgba(255,255,255,0.5);
  color: var(--white);
  padding: 0.85rem 2rem;
  border-radius: 4px;
  font-family: 'Arial', sans-serif;
  font-weight: 600;
  font-size: 0.9rem;
  letter-spacing: 0.05em;
  transition: border-color 0.2s, transform 0.15s;
  display: inline-block;
}
.btn-outline:hover { border-color: var(--gold); color: var(--gold); transform: translateY(-2px); }

/* Hero card */
.hero-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(160,120,80,0.3);
  border-radius: 12px;
  padding: 2.5rem;
  backdrop-filter: blur(6px);
}

.hero-card .photo-placeholder {
  width: 140px; height: 140px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-lt) 100%);
  display: flex; align-items: center; justify-content: center;
  font-size: 3.5rem;
  margin: 0 auto 1.5rem;
  border: 4px solid rgba(255,255,255,0.15);
  overflow: hidden;
}
.hero-card .photo-placeholder img {
  width: 100%; height: 100%; object-fit: cover;
}

.hero-card .card-name {
  text-align: center;
  color: var(--white);
  font-size: 1.3rem;
  margin-bottom: 0.25rem;
}
.hero-card .card-role {
  text-align: center;
  color: var(--gold-lt);
  font-family: 'Arial', sans-serif;
  font-size: 0.82rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
}

.hero-card .divider {
  border: none; border-top: 1px solid rgba(160,120,80,0.25);
  margin-bottom: 1.5rem;
}

.contact-item {
  display: flex; align-items: center; gap: 0.75rem;
  color: rgba(255,255,255,0.8);
  font-family: 'Arial', sans-serif;
  font-size: 0.88rem;
  margin-bottom: 0.85rem;
}
.contact-item .icon {
  width: 32px; height: 32px;
  background: rgba(160,120,80,0.15);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.9rem;
  flex-shrink: 0;
}
.contact-item a { color: rgba(255,255,255,0.8); transition: color 0.2s; }
.contact-item a:hover { color: var(--gold); }

.nmls-badge {
  margin-top: 1.5rem;
  text-align: center;
  background: rgba(160,120,80,0.12);
  border: 1px solid rgba(160,120,80,0.25);
  border-radius: 6px;
  padding: 0.6rem;
  color: var(--gold-lt);
  font-family: 'Arial', sans-serif;
  font-size: 0.78rem;
  letter-spacing: 0.06em;
}

/* ===== STATS STRIP ===== */
.stats-strip {
  background: var(--navy);
  padding: 2rem;
  display: flex; justify-content: center; gap: 4rem;
  flex-wrap: wrap;
}
.stat { text-align: center; }
.stat .num {
  font-size: 2.2rem;
  font-weight: 700;
  color: var(--gold-lt);
  line-height: 1;
}
.stat .label {
  font-family: 'Arial', sans-serif;
  font-size: 0.78rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.55);
  margin-top: 0.25rem;
}

/* ===== SECTIONS ===== */
section { padding: 5rem 2.5rem; }
.section-inner { max-width: 1100px; margin: 0 auto; }

.section-label {
  font-family: 'Arial', sans-serif;
  font-size: 0.78rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.75rem;
}
.section-title {
  font-size: 2.2rem;
  color: var(--navy);
  margin-bottom: 1.25rem;
  line-height: 1.2;
}
.section-sub {
  color: var(--gray);
  font-size: 1.05rem;
  max-width: 680px;
  margin-bottom: 3rem;
}

/* ===== ABOUT SECTION ===== */
.about-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 4rem; align-items: start;
}
.about-text p { color: #3d2f28; margin-bottom: 1.2rem; font-size: 1.02rem; }

.highlight-box {
  background: #faf8f5;
  border-left: 4px solid var(--gold);
  padding: 1.5rem 1.75rem;
  border-radius: 0 8px 8px 0;
  margin: 2rem 0;
}
.highlight-box p {
  color: var(--navy) !important;
  font-style: italic;
  font-size: 1.05rem !important;
  margin: 0 !important;
}

.badges { display: flex; flex-wrap: wrap; gap: 0.75rem; margin-top: 1.5rem; }
.badge {
  background: var(--light);
  border: 1px solid rgba(44,36,32,0.15);
  color: var(--navy);
  padding: 0.4rem 1rem;
  border-radius: 20px;
  font-family: 'Arial', sans-serif;
  font-size: 0.82rem;
  font-weight: 600;
}

.about-side { display: flex; flex-direction: column; gap: 1.5rem; }
.value-card {
  background: var(--off-white);
  border-radius: 10px;
  padding: 1.5rem;
  border-left: 3px solid var(--gold);
}
.value-card h3 { color: var(--navy); font-size: 1rem; margin-bottom: 0.5rem; }
.value-card p { color: var(--gray); font-size: 0.92rem; }

/* ===== SERVICES ===== */
.bg-light { background: var(--off-white); }

.loans-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
}
.loan-card {
  background: var(--white);
  border-radius: 12px;
  padding: 2rem;
  border: 1px solid rgba(44,36,32,0.08);
  box-shadow: 0 2px 12px rgba(0,0,0,0.05);
  transition: transform 0.2s, box-shadow 0.2s;
}
.loan-card:hover { transform: translateY(-4px); box-shadow: 0 8px 24px rgba(0,0,0,0.1); }

.loan-icon {
  width: 52px; height: 52px;
  background: linear-gradient(135deg, #2c2420, #4a3728);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 1.25rem;
}
.loan-card h3 { color: var(--navy); font-size: 1.15rem; margin-bottom: 0.5rem; }
.loan-card p { color: var(--gray); font-size: 0.9rem; }
.loan-tag {
  display: inline-block;
  background: rgba(160,120,80,0.15);
  color: var(--navy);
  border-radius: 4px;
  padding: 0.2rem 0.6rem;
  font-family: 'Arial', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-top: 1rem;
}

/* ===== TESTIMONIALS ===== */
.testimonials-grid {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.5rem;
}
.testimonial {
  background: var(--white);
  border-radius: 10px;
  padding: 2rem;
  box-shadow: 0 2px 12px rgba(0,0,0,0.06);
  border-top: 3px solid var(--gold);
}
.stars { color: var(--gold); font-size: 1.1rem; margin-bottom: 1rem; }
.testimonial p { color: #374151; font-style: italic; margin-bottom: 1.25rem; }
.testimonial .author { font-family: 'Arial', sans-serif; font-size: 0.85rem; font-weight: 700; color: var(--navy); }

/* ===== CONTACT ===== */
.contact-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 4rem;
}
.contact-info { display: flex; flex-direction: column; gap: 1.25rem; }
.contact-block {
  display: flex; gap: 1rem; align-items: flex-start;
}
.contact-block .icon-box {
  width: 46px; height: 46px; flex-shrink: 0;
  background: #faf8f5;
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
}
.contact-block h4 { color: var(--navy); font-size: 0.88rem; margin-bottom: 0.2rem; font-family: 'Arial', sans-serif; text-transform: uppercase; letter-spacing: 0.06em; }
.contact-block p, .contact-block a { color: #374151; font-size: 0.98rem; }
.contact-block a:hover { color: var(--gold); }

.contact-form { display: flex; flex-direction: column; gap: 1rem; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form-group { display: flex; flex-direction: column; gap: 0.4rem; }
.form-group label {
  font-family: 'Arial', sans-serif;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.form-group input, .form-group select, .form-group textarea {
  border: 1.5px solid rgba(44,36,32,0.18);
  border-radius: 6px;
  padding: 0.7rem 1rem;
  font-family: 'Georgia', serif;
  font-size: 0.95rem;
  color: #2c2420;
  background: var(--white);
  transition: border-color 0.2s;
  outline: none;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  border-color: var(--navy);
}
.form-group textarea { resize: vertical; min-height: 100px; }

.btn-submit {
  background: #faf8f5;
  color: var(--white);
  border: none;
  padding: 0.9rem 2.5rem;
  border-radius: 6px;
  font-family: 'Arial', sans-serif;
  font-weight: 700;
  font-size: 0.9rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  cursor: pointer;
  transition: background 0.2s, transform 0.15s;
  align-self: flex-start;
}
.btn-submit:hover { background: var(--blue); transform: translateY(-2px); }

/* ===== CTA BANNER ===== */
.cta-banner {
  background: linear-gradient(135deg, #2c2420, #4a3728);
  padding: 4rem 2.5rem;
  text-align: center;
}
.cta-banner h2 { color: var(--white); font-size: 2rem; margin-bottom: 1rem; }
.cta-banner p { color: rgba(255,255,255,0.75); margin-bottom: 2rem; font-size: 1.05rem; }

/* ===== FOOTER ===== */
footer {
  background: #1a1008;
  padding: 2.5rem;
  text-align: center;
  color: rgba(255,255,255,0.45);
  font-family: 'Arial', sans-serif;
  font-size: 0.8rem;
}
footer .footer-brand { color: var(--gold); font-size: 1rem; margin-bottom: 0.5rem; }
footer a { color: rgba(255,255,255,0.45); }
footer a:hover { color: var(--gold); }
footer .footer-links { display: flex; justify-content: center; gap: 1.5rem; margin: 0.75rem 0; flex-wrap: wrap; }

/* ===== RESPONSIVE ===== */
@media (max-width: 768px) {
  .hero-inner { grid-template-columns: 1fr; gap: 2.5rem; }
  .hero-text h1 { font-size: 2.1rem; }
  .about-grid, .contact-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .form-row { grid-template-columns: 1fr; }
  .stats-strip { gap: 2rem; }
  nav { padding: 0 1rem; }
  .nav-links { gap: 1rem; }
  .nav-links li:not(:last-child) { display: none; }
}

/* ── GOOGLE TRANSLATE ── */
.nav-translate { display: flex; align-items: center; }
.translate-btn {
  display: flex;
  align-items: center;
  gap: 0.35rem;
  background: transparent;
  border: 1.5px solid var(--gold);
  color: var(--gold);
  font-family: inherit;
  font-size: 0.82rem;
  font-weight: 600;
  padding: 0.35rem 0.75rem;
  border-radius: 20px;
  cursor: pointer;
  letter-spacing: 0.02em;
  transition: background 0.2s, color 0.2s;
  white-space: nowrap;
}
.translate-btn:hover {
  background: var(--gold);
  color: var(--navy);
}
/* Hide Google translate banner at top */
.goog-te-banner-frame { display: none !important; }
.goog-logo-link, .goog-te-gadget span { display: none !important; }
body { top: 0 !important; }

/* ── FOOTER LEGAL BADGES ── */
.footer-badges {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 2rem;
  flex-wrap: wrap;
  margin: 1.75rem 0 1.25rem;
  padding-top: 1.25rem;
  border-top: 1px solid rgba(255,255,255,0.12);
}
.badge-item { text-align: center; }

.eho-logo {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  border: 2px solid rgba(255,255,255,0.5);
  border-radius: 6px;
  padding: 0.45rem 0.75rem;
}
.eho-house { font-size: 1.9rem; color: var(--gold); line-height: 1; }
.eho-text { font-size: 0.6rem; color: rgba(255,255,255,0.8); text-align: left; line-height: 1.4; letter-spacing: 0.04em; }
.eho-text strong { font-size: 0.65rem; }

.nmls-link { text-decoration: none; }
.nmls-logo {
  border: 2px solid rgba(255,255,255,0.5);
  border-radius: 6px;
  padding: 0.45rem 0.9rem;
  font-size: 0.7rem;
  color: rgba(255,255,255,0.8);
  line-height: 1.5;
  letter-spacing: 0.04em;
  font-weight: 600;
  transition: border-color 0.2s;
}
.nmls-link:hover .nmls-logo { border-color: var(--gold); color: var(--gold); }
.nmls-logo span { font-size: 0.85rem; color: var(--gold); font-weight: 700; }

.ca-badge, .ssl-badge {
  font-size: 0.62rem;
  color: rgba(255,255,255,0.7);
  line-height: 1.6;
  letter-spacing: 0.03em;
  border: 2px solid rgba(255,255,255,0.5);
  border-radius: 6px;
  padding: 0.45rem 0.75rem;
}
.ca-badge strong, .ssl-badge strong { color: var(--white); font-size: 0.68rem; }

@media(max-width: 600px) {
  .footer-badges { gap: 1rem; }
  .nav-translate { display: none; }
}

/* ── WHATSAPP BUTTON ── */
.whatsapp-fab {
  position: fixed;
  bottom: 1.75rem;
  right: 1.75rem;
  z-index: 999;
  background: #25d366;
  color: #fff;
  border-radius: 50px;
  padding: 0.75rem 1.3rem;
  display: flex;
  align-items: center;
  gap: 0.55rem;
  font-family: 'Arial', sans-serif;
  font-size: 0.88rem;
  font-weight: 700;
  box-shadow: 0 4px 18px rgba(37,211,102,0.45);
  transition: transform 0.2s, box-shadow 0.2s;
  text-decoration: none;
}
.whatsapp-fab:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 28px rgba(37,211,102,0.55);
  color: #fff;
}
.whatsapp-fab svg { width: 22px; height: 22px; fill: #fff; flex-shrink: 0; }
@media(max-width: 600px) {
  .whatsapp-fab span { display: none; }
  .whatsapp-fab { padding: 0.9rem; border-radius: 50%; }
}

/* ── MORTGAGE TIPS ── */
.tips-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.5rem;
  margin-top: 2.5rem;
}
.tip-card {
  background: var(--white);
  border-radius: 12px;
  padding: 2rem;
  border: 1px solid rgba(44,36,32,0.08);
  box-shadow: 0 2px 12px rgba(0,0,0,0.05);
  border-top: 3px solid var(--gold);
  transition: transform 0.2s, box-shadow 0.2s;
}
.tip-card:hover { transform: translateY(-4px); box-shadow: 0 8px 24px rgba(0,0,0,0.1); }
.tip-icon {
  font-size: 1.8rem;
  margin-bottom: 1rem;
  display: block;
}
.tip-card h3 { color: var(--navy); font-size: 1.05rem; margin-bottom: 0.6rem; }
.tip-card p { color: var(--gray); font-size: 0.92rem; line-height: 1.65; }
.tips-updated {
  text-align: center;
  margin-top: 2rem;
  font-family: 'Arial', sans-serif;
  font-size: 0.75rem;
  color: var(--gray);
  letter-spacing: 0.05em;
}