/* Base Styles & Variables */
:root {
    --navy: #1e3a5f;
    --gold: #b8a472;
    --light-gold: #d4c9a8;
    --dark-navy: #152840;
    --white: #ffffff;
    --light-gray: #f8f9fa;
    --gray: #6c757d;
    --border-gray: #dee2e6;
    --success: #28a745;
}

* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

body {
    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, sans-serif;
    line-height: 1.6;
    color: #333;
    overflow-x: hidden;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

/* Navigation */
.navbar {
    background: var(--white);
    box-shadow: 0 2px 10px rgba(0,0,0,0.1);
    position: sticky;
    top: 0;
    z-index: 1000;
    padding: 15px 0;
}

.nav-wrapper {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.logo img {
    height: 50px;
    width: auto;
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 30px;
}

.nav-links a {
    text-decoration: none;
    color: var(--navy);
    font-weight: 500;
    transition: color 0.3s;
}

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

/* Ensure button text is always visible in nav */
.nav-links .btn-primary {
    color: var(--white) !important;
}

.btn-primary {
    background: var(--navy);
    color: var(--white);
    padding: 12px 28px;
    border-radius: 6px;
    text-decoration: none;
    font-weight: 600;
    transition: all 0.3s;
    display: inline-block;
}

.btn-primary:hover {
    background: var(--dark-navy);
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(30, 58, 95, 0.3);
}

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

.mobile-menu-btn span {
    width: 25px;
    height: 3px;
    background: var(--navy);
    transition: 0.3s;
}

/* Hero Section */
.hero {
    background: linear-gradient(135deg, var(--navy) 0%, var(--dark-navy) 100%);
    color: var(--white);
    padding: 100px 0 120px;
    position: relative;
}

.hero::before {
    content: '';
    position: absolute;
    top: 0;
    right: 0;
    bottom: 0;
    left: 0;
    background-image: 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='%23ffffff' fill-opacity='0.05'%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");
    opacity: 1;
}

.hero-content {
    position: relative;
    z-index: 1;
    max-width: 700px;
}

.hero h1 {
    font-size: 56px;
    font-weight: 700;
    margin-bottom: 20px;
    line-height: 1.2;
}

.hero-subtitle {
    font-size: 20px;
    margin-bottom: 35px;
    opacity: 0.95;
    line-height: 1.6;
}

.hero-cta {
    display: flex;
    gap: 20px;
    margin-bottom: 15px;
    flex-wrap: wrap;
}

.btn-large {
    background: var(--gold);
    color: var(--navy);
    padding: 18px 40px;
    border-radius: 8px;
    text-decoration: none;
    font-weight: 700;
    font-size: 18px;
    transition: all 0.3s;
    display: inline-block;
}

.btn-large:hover {
    background: var(--light-gold);
    transform: translateY(-3px);
    box-shadow: 0 6px 20px rgba(184, 164, 114, 0.4);
}

.btn-secondary-large {
    background: transparent;
    color: var(--white);
    padding: 18px 40px;
    border-radius: 8px;
    text-decoration: none;
    font-weight: 700;
    font-size: 18px;
    border: 2px solid var(--white);
    transition: all 0.3s;
    display: inline-block;
}

.btn-secondary-large:hover {
    background: var(--white);
    color: var(--navy);
}

.hero-note {
    font-size: 14px;
    opacity: 0.8;
}

/* About Section */
.about {
    padding: 80px 0;
    background: var(--white);
}

.about-content {
    max-width: 900px;
    margin: 0 auto;
}

.about h2 {
    font-size: 42px;
    color: var(--navy);
    margin-bottom: 25px;
}

.lead {
    font-size: 22px;
    color: var(--navy);
    margin-bottom: 20px;
    font-weight: 500;
    line-height: 1.5;
}

.about p {
    font-size: 18px;
    color: #555;
    margin-bottom: 20px;
    line-height: 1.7;
}

.credentials {
    display: flex;
    gap: 60px;
    margin: 40px 0;
    padding: 30px 0;
    border-top: 2px solid var(--gold);
    border-bottom: 2px solid var(--gold);
}

.credential-item {
    text-align: center;
}

.credential-number {
    font-size: 48px;
    font-weight: 700;
    color: var(--gold);
    margin-bottom: 5px;
}

.credential-label {
    font-size: 16px;
    color: var(--navy);
    font-weight: 600;
}

.nmls-info {
    background: var(--light-gray);
    padding: 20px;
    border-left: 4px solid var(--navy);
    margin-top: 30px;
}

.nmls-info a {
    color: var(--navy);
    font-weight: 600;
    text-decoration: none;
    transition: color 0.3s;
}

.nmls-info a:hover {
    color: var(--gold);
    text-decoration: underline;
}

/* Loan Products Section */
.loan-products {
    padding: 80px 0;
    background: var(--light-gray);
}

.section-title {
    font-size: 42px;
    color: var(--navy);
    text-align: center;
    margin-bottom: 15px;
}

.section-subtitle {
    font-size: 18px;
    color: var(--gray);
    text-align: center;
    margin-bottom: 50px;
}

.products-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 30px;
    margin-bottom: 60px;
}

.product-card {
    background: var(--white);
    padding: 35px;
    border-radius: 10px;
    box-shadow: 0 2px 10px rgba(0,0,0,0.08);
    transition: all 0.3s;
}

.product-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 25px rgba(0,0,0,0.15);
}

.product-icon {
    font-size: 48px;
    margin-bottom: 20px;
}

.product-card h3 {
    font-size: 24px;
    color: var(--navy);
    margin-bottom: 15px;
}

.product-card p {
    color: #555;
    line-height: 1.6;
}

.cta-box {
    background: var(--navy);
    color: var(--white);
    padding: 50px;
    border-radius: 10px;
    text-align: center;
    margin-top: 40px;
}

.cta-box h3 {
    font-size: 32px;
    margin-bottom: 15px;
}

.cta-box p {
    font-size: 18px;
    margin-bottom: 30px;
    opacity: 0.9;
}

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

.cta-box .btn-primary:hover {
    background: var(--light-gold);
}

/* Calculator Section */
.calculator-section {
    padding: 80px 0;
    background: var(--white);
}

.calculator-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 50px;
    max-width: 1100px;
    margin: 0 auto;
}

.calculator-inputs {
    display: flex;
    flex-direction: column;
    gap: 25px;
}

.input-group {
    display: flex;
    flex-direction: column;
}

.input-group label {
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 8px;
    font-size: 14px;
}

.input-group input,
.input-group select {
    padding: 14px;
    border: 2px solid var(--border-gray);
    border-radius: 6px;
    font-size: 16px;
    transition: border-color 0.3s;
}

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

.calculator-results {
    display: flex;
    flex-direction: column;
    gap: 25px;
}

.result-card {
    background: linear-gradient(135deg, var(--navy) 0%, var(--dark-navy) 100%);
    color: var(--white);
    padding: 35px;
    border-radius: 10px;
}

.result-label {
    font-size: 16px;
    opacity: 0.9;
    margin-bottom: 10px;
}

.result-amount {
    font-size: 48px;
    font-weight: 700;
    margin-bottom: 25px;
    color: var(--gold);
}

.result-breakdown {
    border-top: 1px solid rgba(255,255,255,0.2);
    padding-top: 20px;
}

.breakdown-item {
    display: flex;
    justify-content: space-between;
    margin-bottom: 12px;
    font-size: 15px;
}

.breakdown-item span:last-child {
    font-weight: 600;
}

.calculator-note {
    background: var(--light-gray);
    padding: 25px;
    border-radius: 8px;
    border-left: 4px solid var(--gold);
}

.calculator-note p {
    font-size: 14px;
    color: #555;
    margin-bottom: 20px;
    line-height: 1.6;
}

/* Contact Section */
.contact {
    padding: 80px 0;
    background: var(--light-gray);
}

.contact-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.contact-info h2 {
    font-size: 42px;
    color: var(--navy);
    margin-bottom: 20px;
}

.contact-info > p {
    font-size: 18px;
    color: #555;
    margin-bottom: 40px;
}

.contact-details {
    display: flex;
    flex-direction: column;
    gap: 30px;
}

.contact-item {
    display: flex;
    align-items: center;
    gap: 20px;
}

.contact-icon {
    font-size: 32px;
    width: 60px;
    height: 60px;
    background: var(--navy);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
}

.contact-label {
    font-size: 14px;
    color: var(--gray);
    margin-bottom: 5px;
}

.contact-value {
    font-size: 18px;
    color: var(--navy);
    font-weight: 600;
}

.contact-value a {
    color: var(--navy);
    text-decoration: none;
}

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

.cta-card {
    background: var(--navy);
    color: var(--white);
    padding: 50px;
    border-radius: 10px;
    text-align: center;
}

.cta-card h3 {
    font-size: 32px;
    margin-bottom: 15px;
}

.cta-card p {
    font-size: 18px;
    margin-bottom: 30px;
    opacity: 0.9;
}

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

/* Footer */
.footer {
    background: var(--navy);
    color: var(--white);
    padding: 50px 0 30px;
}

.footer-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding-bottom: 30px;
    border-bottom: 1px solid rgba(255,255,255,0.2);
    margin-bottom: 30px;
}

.footer-logo img {
    height: 60px;
    width: auto;
}

.footer-info {
    text-align: right;
}

.footer-info p {
    margin-bottom: 5px;
    opacity: 0.9;
}

.footer-info a {
    color: var(--gold);
    text-decoration: none;
    transition: color 0.3s;
}

.footer-info a:hover {
    color: var(--light-gold);
    text-decoration: underline;
}

.footer-legal {
    text-align: center;
    font-size: 14px;
    opacity: 0.8;
}

.legal-disclaimer {
    margin-top: 15px;
    font-size: 12px;
    opacity: 0.7;
}

/* Responsive Design */
@media (max-width: 968px) {
    .nav-links {
        display: none;
    }

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

    .hero h1 {
        font-size: 42px;
    }

    .hero-subtitle {
        font-size: 18px;
    }

    .hero-cta {
        flex-direction: column;
        gap: 15px;
    }

    .btn-large,
    .btn-secondary-large {
        width: 100%;
        text-align: center;
    }

    .calculator-wrapper {
        grid-template-columns: 1fr;
    }

    .contact-wrapper {
        grid-template-columns: 1fr;
    }

    .credentials {
        gap: 30px;
    }

    .section-title {
        font-size: 32px;
    }

    .about h2 {
        font-size: 32px;
    }

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

    .footer-content {
        flex-direction: column;
        gap: 30px;
        text-align: center;
    }

    .footer-info {
        text-align: center;
    }
}

@media (max-width: 640px) {
    .hero {
        padding: 60px 0 80px;
    }

    .hero h1 {
        font-size: 32px;
    }

    .hero-subtitle {
        font-size: 16px;
    }

    .btn-large {
        padding: 16px 32px;
        font-size: 16px;
    }

    .credentials {
        flex-direction: column;
        gap: 20px;
    }

    .result-amount {
        font-size: 36px;
    }

    .cta-box {
        padding: 35px 25px;
    }

    .cta-box h3 {
        font-size: 24px;
    }

    .contact-info h2 {
        font-size: 28px;
    }
}