/* --- CSS Variables & Root Theme Definitions --- */
:root {
    --primary-navy: #0a192f;
    --navy-light: #172a45;
    --accent-gold: #c5a059;
    --accent-gold-hover: #b08a43;
    --text-dark: #1e293b;
    --text-muted: #64748b;
    --bg-light: #f8fafc;
    --bg-white: #ffffff;
    --border-color: #e2e8f0;
    --header-height: 80px;
    --radius-sm: 6px;
    --radius-md: 12px;
    --radius-lg: 16px;
    --shadow-sm: 0 1px 3px rgba(0,0,0,0.1);
    --shadow-md: 0 4px 12px rgba(10, 25, 47, 0.08);
    --shadow-lg: 0 10px 25px rgba(10, 25, 47, 0.12);
}

/* --- Universal Reset & Base Styles --- */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
    scroll-behavior: smooth;
}

body {
    background-color: var(--bg-light);
    color: var(--text-dark);
    line-height: 1.6;
}

/* --- Typographic Foundation --- */
h1, h2, h3 {
    color: var(--primary-navy);
    line-height: 1.2;
}

p {
    color: var(--text-muted);
}

/* --- Navigation Header --- */
.main-header {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: var(--header-height);
    background-color: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(8px);
    border-bottom: 1px solid var(--border-color);
    z-index: 1000;
    display: flex;
    align-items: center;
}

.header-container {
    width: 90%;
    max-width: 1280px;
    margin: 0 auto;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.brand-logo {
    text-decoration: none;
    display: flex;
    flex-direction: column;
}

.logo-text {
    font-size: 1.35rem;
    font-weight: 800;
    color: var(--primary-navy);
    letter-spacing: -0.5px;
}

.logo-subtext {
    font-size: 0.7rem;
    color: var(--accent-gold);
    font-weight: 600;
    letter-spacing: 0.5px;
}

.nav-menu {
    display: flex;
    gap: 1.8rem;
}

.nav-menu a {
    text-decoration: none;
    color: var(--text-dark);
    font-weight: 500;
    font-size: 0.95rem;
    transition: color 0.2s ease;
}

.nav-menu a:hover {
    color: var(--accent-gold);
}

.header-cta {
    display: flex;
    gap: 0.8rem;
    align-items: center;
}

/* --- Buttons & Interactive Elements --- */
.cta-button {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 0.65rem 1.25rem;
    border-radius: var(--radius-sm);
    font-weight: 600;
    font-size: 0.9rem;
    text-decoration: none;
    transition: all 0.25s ease;
    cursor: pointer;
    border: none;
}

.primary-button {
    background-color: var(--accent-gold);
    color: #ffffff;
}

.primary-button:hover {
    background-color: var(--accent-gold-hover);
    transform: translateY(-1px);
    box-shadow: 0 4px 12px rgba(197, 160, 89, 0.3);
}

.secondary-button {
    background-color: var(--primary-navy);
    color: #ffffff;
}

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

.phone-button {
    background-color: transparent;
    color: var(--primary-navy);
    border: 1.5px solid var(--primary-navy);
}

.phone-button:hover {
    background-color: var(--primary-navy);
    color: #ffffff;
}

.large {
    padding: 0.85rem 1.75rem;
    font-size: 1rem;
}

.full-width {
    width: 100%;
}

/* --- Split-Screen Hero Section --- */
.hero-section {
    padding-top: calc(var(--header-height) + 4rem);
    padding-bottom: 5rem;
    background: linear-gradient(135deg, #0a192f 0%, #172a45 100%);
    color: #ffffff;
    position: relative;
}

.hero-container {
    width: 90%;
    max-width: 1280px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 3.5rem;
    align-items: center;
}

.hero-content h1 {
    color: #ffffff;
    font-size: 3rem;
    font-weight: 800;
    margin-top: 1rem;
    margin-bottom: 1.25rem;
    letter-spacing: -1px;
}

.badge {
    background-color: rgba(197, 160, 89, 0.15);
    color: var(--accent-gold);
    padding: 0.35rem 0.85rem;
    border-radius: 20px;
    font-size: 0.85rem;
    font-weight: 600;
    border: 1px solid rgba(197, 160, 89, 0.3);
}

.hero-subtitle {
    color: #94a3b8;
    font-size: 1.1rem;
    margin-bottom: 2rem;
}

.hero-highlights {
    display: flex;
    flex-direction: column;
    gap: 1rem;
    margin-bottom: 2.5rem;
}

.highlight-item {
    display: flex;
    align-items: flex-start;
    gap: 0.85rem;
}

.highlight-item strong {
    color: #ffffff;
    display: block;
    font-size: 0.95rem;
}

.highlight-item p {
    color: #94a3b8;
    font-size: 0.85rem;
}

.highlight-icon {
    font-size: 1.25rem;
    line-height: 1;
}

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

/* Hero Feature Card Right Side */
.hero-card {
    background-color: #ffffff;
    border-radius: var(--radius-lg);
    padding: 2.25rem;
    color: var(--text-dark);
    box-shadow: var(--shadow-lg);
}

.card-tag {
    background-color: #f1f5f9;
    color: var(--primary-navy);
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    padding: 0.25rem 0.6rem;
    border-radius: 4px;
}

.hero-card-header h3 {
    font-size: 1.6rem;
    margin-top: 0.5rem;
    margin-bottom: 1rem;
    color: var(--primary-navy);
}

.hero-card-body p {
    margin-bottom: 1.25rem;
    font-size: 0.95rem;
}

.check-list {
    list-style: none;
    margin-bottom: 1.5rem;
}

.check-list li {
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--primary-navy);
    margin-bottom: 0.5rem;
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.check-list li::before {
    content: "✓";
    color: var(--accent-gold);
    font-weight: 800;
}

.card-link {
    color: var(--accent-gold);
    font-weight: 700;
    text-decoration: none;
}

.card-link:hover {
    text-decoration: underline;
}

/* --- Global Section Containers --- */
.section-container {
    width: 90%;
    max-width: 1280px;
    margin: 0 auto;
    padding: 5rem 0;
}

.section-subtitle {
    color: var(--accent-gold);
    font-size: 0.85rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    display: block;
    margin-bottom: 0.5rem;
}

.section-title {
    font-size: 2.25rem;
    font-weight: 800;
    margin-bottom: 1rem;
}

.section-description {
    max-width: 650px;
    font-size: 1.05rem;
}

/* --- About Section & Stats --- */
.about-section {
    background-color: var(--bg-white);
    border-bottom: 1px solid var(--border-color);
}

.about-grid {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 3rem;
    align-items: center;
}

.lead-text {
    font-size: 1.1rem;
    color: var(--text-dark);
    font-weight: 500;
    margin-bottom: 1rem;
}

.about-stats-card {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
}

.stat-box {
    background-color: var(--bg-light);
    border: 1px solid var(--border-color);
    padding: 1.5rem;
    border-radius: var(--radius-md);
    text-align: center;
}

.stat-number {
    font-size: 2rem;
    font-weight: 800;
    color: var(--primary-navy);
    display: block;
}

.stat-label {
    font-size: 0.85rem;
    color: var(--text-muted);
    font-weight: 600;
}

/* --- Mortgage Options Grid --- */
.options-section {
    background-color: var(--bg-light);
}

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

.options-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 1.5rem;
}

.option-card {
    background-color: var(--bg-white);
    border: 1px solid var(--border-color);
    padding: 1.75rem;
    border-radius: var(--radius-md);
    transition: transform 0.25s ease, box-shadow 0.25s ease;
    position: relative;
}

.option-card:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-md);
}

.option-card.featured {
    border: 2px solid var(--accent-gold);
}

.option-badge {
    position: absolute;
    top: 1rem;
    right: 1rem;
    background-color: var(--accent-gold);
    color: #ffffff;
    font-size: 0.7rem;
    font-weight: 700;
    padding: 0.2rem 0.5rem;
    border-radius: 4px;
}

.option-card h3 {
    font-size: 1.2rem;
    margin-bottom: 0.35rem;
}

.option-highlight {
    color: var(--accent-gold);
    font-weight: 700;
    font-size: 0.85rem;
    margin-bottom: 0.75rem;
}

/* --- Reviews Section --- */
.reviews-section {
    background-color: var(--bg-white);
    border-top: 1px solid var(--border-color);
    border-bottom: 1px solid var(--border-color);
}

.reviews-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-end;
    margin-bottom: 3rem;
}

.rating-badge-container {
    display: flex;
    align-items: center;
    gap: 1rem;
    background-color: var(--bg-light);
    padding: 0.75rem 1.25rem;
    border-radius: var(--radius-md);
    border: 1px solid var(--border-color);
}

.rating-score {
    font-size: 2.2rem;
    font-weight: 800;
    color: var(--primary-navy);
    line-height: 1;
}

.stars {
    color: var(--accent-gold);
    font-size: 1.1rem;
    letter-spacing: 2px;
}

.review-count {
    font-size: 0.8rem;
    font-weight: 600;
    color: var(--text-muted);
}

.reviews-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 1.5rem;
}

.review-card {
    background-color: var(--bg-light);
    border: 1px solid var(--border-color);
    padding: 1.75rem;
    border-radius: var(--radius-md);
    display: flex;
    flex-direction: column;
    justify-content: space-between;
}

.review-stars {
    color: var(--accent-gold);
    margin-bottom: 0.75rem;
}

.review-quote {
    font-size: 0.95rem;
    color: var(--text-dark);
    font-style: italic;
    margin-bottom: 1.25rem;
}

.review-meta {
    display: flex;
    justify-content: space-between;
    font-size: 0.85rem;
    border-top: 1px solid var(--border-color);
    padding-top: 0.75rem;
}

.review-meta strong {
    color: var(--primary-navy);
}

.review-meta span {
    color: var(--text-muted);
}

/* --- Team Section --- */
.team-section {
    background-color: var(--bg-light);
}

.team-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
    gap: 1.5rem;
}

.team-card {
    background-color: var(--bg-white);
    border: 1px solid var(--border-color);
    padding: 1.75rem;
    border-radius: var(--radius-md);
    text-align: center;
    transition: transform 0.25s ease;
}

.team-card:hover {
    transform: translateY(-3px);
}

.team-card.featured-member {
    border: 2px solid var(--primary-navy);
}

.team-avatar {
    width: 60px;
    height: 60px;
    background-color: var(--primary-navy);
    color: var(--accent-gold);
    font-weight: 800;
    font-size: 1.2rem;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1rem auto;
}

.team-card h3 {
    font-size: 1.15rem;
    margin-bottom: 0.25rem;
}

.team-role {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--text-muted);
    margin-bottom: 0.5rem;
}

.team-nmls {
    display: block;
    font-size: 0.75rem;
    color: var(--accent-gold);
    font-weight: 700;
    margin-bottom: 0.75rem;
}

.team-email {
    font-size: 0.85rem;
    color: var(--primary-navy);
    text-decoration: none;
    font-weight: 600;
}

.team-email:hover {
    text-decoration: underline;
}

/* --- Contact & Office Details --- */
.contact-section {
    background-color: var(--bg-white);
    border-top: 1px solid var(--border-color);
}

.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
}

.contact-form-container h2, .office-info-container h2 {
    font-size: 1.8rem;
    margin-bottom: 1rem;
}

.contact-form {
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
    margin-top: 1.5rem;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 0.35rem;
}

.form-group label {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--primary-navy);
}

.form-group input {
    width: 100%;
    padding: 0.85rem;
    border: 1px solid var(--border-color);
    border-radius: var(--radius-sm);
    font-size: 0.95rem;
    background-color: var(--bg-light);
    color: var(--text-dark);
    font-family: inherit;
}

.form-group input:focus {
    outline: none;
    border-color: var(--accent-gold);
}

.recaptcha-notice {
    font-size: 0.75rem;
    color: var(--text-muted);
    margin-top: 0.5rem;
}

.recaptcha-notice a {
    color: var(--primary-navy);
}

.office-info-container p {
    margin-bottom: 1.5rem;
}

.address-box {
    background-color: var(--bg-light);
    padding: 1.25rem;
    border-radius: var(--radius-md);
    border-left: 4px solid var(--primary-navy);
    margin-bottom: 1.5rem;
}

.address-box strong {
    color: var(--primary-navy);
    display: block;
}

.phone-link {
    display: inline-block;
    color: var(--accent-gold);
    font-weight: 700;
    text-decoration: none;
    margin-top: 0.5rem;
    margin-right: 1rem;
}

.directions-btn {
    display: inline-block;
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--primary-navy);
    text-decoration: none;
}

.hours-box {
    margin-bottom: 1.5rem;
}

.hours-box h3, .social-connect h3 {
    font-size: 1.1rem;
    margin-bottom: 0.75rem;
}

.hours-list {
    list-style: none;
}

.hours-list li {
    display: flex;
    justify-content: space-between;
    font-size: 0.9rem;
    padding: 0.35rem 0;
    border-bottom: 1px dashed var(--border-color);
}

.social-link {
    color: var(--accent-gold);
    font-weight: 600;
    text-decoration: none;
}

/* --- Main Footer --- */
.main-footer {
    background-color: var(--primary-navy);
    color: #ffffff;
    padding: 3rem 0;
    border-top: 1px solid var(--navy-light);
}

.footer-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 0;
}

.footer-brand strong {
    font-size: 1.2rem;
    display: block;
}

.footer-brand p {
    color: var(--accent-gold);
    font-weight: 600;
}

.copyright {
    color: #94a3b8;
    font-size: 0.8rem;
    text-align: right;
}

/* --- Mobile Responsive Layout Adjustments --- */
@media (max-width: 992px) {
    .hero-container, .about-grid, .contact-grid {
        grid-template-columns: 1fr;
    }
    
    .hero-content h1 {
        font-size: 2.25rem;
    }

    .reviews-header {
        flex-direction: column;
        align-items: flex-start;
        gap: 1rem;
    }
}

@media (max-width: 768px) {
    .nav-menu {
        display: none; /* Keeps header streamlined on small screens */
    }

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

    .footer-content {
        flex-direction: column;
        align-items: flex-start;
        gap: 1.5rem;
    }

    .copyright {
        text-align: left;
    }
}