/* loan-page.css — shared styles for all loan-specific pages */
*{margin:0;padding:0;box-sizing:border-box}
:root{--navy:#1a3a5c;--navy-dark:#0f2440;--gold:#c9a84c;--gold-light:#e8c97a;--light:#f4f7fb;--white:#fff;--text:#2d3748;--text-light:#718096}
html{scroll-behavior:smooth}
body{font-family:'Inter',sans-serif;color:var(--text);line-height:1.6;overflow-x:hidden}

/* Nav */
nav{position:fixed;top:0;width:100%;background:rgba(15,36,64,.97);backdrop-filter:blur(10px);z-index:1000;padding:0 2rem}
.nav-inner{max-width:1200px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;height:70px}
.nav-logo{color:var(--gold);font-family:'Playfair Display',serif;font-size:1.6rem;font-weight:700;text-decoration:none}
.nav-links{display:flex;gap:1.5rem;list-style:none;align-items:center}
.nav-links a{color:rgba(255,255,255,.85);text-decoration:none;font-size:.88rem;font-weight:500;transition:color .2s}
.nav-links a:hover{color:var(--gold)}
.nav-cta{background:var(--gold)!important;color:var(--navy-dark)!important;padding:.5rem 1.1rem;border-radius:4px;font-weight:600!important}
.nav-apply{background:transparent!important;color:var(--white)!important;padding:.5rem 1.1rem;border-radius:4px;font-weight:700!important;border:2px solid var(--gold);transition:all .2s}
.nav-apply:hover{background:var(--gold)!important;color:var(--navy-dark)!important}
.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;background:none;border:none;padding:5px}
.hamburger span{display:block;width:24px;height:2px;background:var(--white);border-radius:2px;transition:all .3s}
.hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.hamburger.open span:nth-child(2){opacity:0}
.hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.mobile-menu{display:none;position:fixed;top:70px;left:0;right:0;background:rgba(10,28,52,.99);z-index:999;padding:1.5rem 2rem 2rem;flex-direction:column;gap:0;border-top:1px solid rgba(201,168,76,.2)}
.mobile-menu.open{display:flex}
.mobile-menu a{color:rgba(255,255,255,.85);text-decoration:none;font-size:1rem;font-weight:500;padding:1rem 0;border-bottom:1px solid rgba(255,255,255,.07);transition:color .2s}
.mobile-menu a:hover{color:var(--gold)}
.mobile-menu a:last-child{border-bottom:none}
.mobile-menu-apply{background:var(--gold)!important;color:var(--navy-dark)!important;border-radius:6px;padding:.9rem 1.5rem!important;text-align:center;font-weight:700!important;margin-top:1rem;border-bottom:none!important}

/* Breadcrumb */
.breadcrumb{background:rgba(15,36,64,.98);padding:.7rem 2rem;border-bottom:1px solid rgba(255,255,255,.06);margin-top:70px}
.breadcrumb-inner{max-width:1100px;margin:0 auto;display:flex;align-items:center;gap:.5rem;font-size:.72rem;color:rgba(255,255,255,.45)}
.breadcrumb a{color:rgba(255,255,255,.5);text-decoration:none}
.breadcrumb a:hover{color:var(--gold)}
.breadcrumb-sep{opacity:.4}
.breadcrumb-current{color:var(--gold)}

/* Hero */
.loan-hero{background:linear-gradient(135deg,rgba(8,22,44,.97) 0%,rgba(15,36,64,.93) 55%,rgba(25,55,90,.85) 100%);padding:4.5rem 2rem 5.5rem}
.loan-hero-inner{max-width:1100px;margin:0 auto}
.loan-eyebrow{display:inline-flex;align-items:center;gap:.6rem;background:rgba(201,168,76,.15);border:1px solid rgba(201,168,76,.35);color:var(--gold);padding:.4rem 1rem;border-radius:100px;font-size:.72rem;font-weight:600;letter-spacing:.09em;text-transform:uppercase;margin-bottom:1.5rem}
.loan-hero h1{font-family:'Playfair Display',serif;font-size:2.9rem;font-weight:700;color:var(--white);line-height:1.15;margin-bottom:1.2rem;max-width:800px}
.loan-hero h1 .accent{color:var(--gold)}
.loan-hero-body{font-size:1rem;color:rgba(255,255,255,.72);max-width:640px;margin-bottom:2rem;line-height:1.82}
.loan-stats{display:flex;gap:1.25rem;flex-wrap:wrap;margin-bottom:2.5rem}
.loan-stat{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);border-radius:12px;padding:.875rem 1.25rem;text-align:center;min-width:110px}
.loan-stat-value{font-family:'Playfair Display',serif;font-size:1.5rem;font-weight:700;color:var(--gold)}
.loan-stat-label{font-size:.65rem;color:rgba(255,255,255,.45);text-transform:uppercase;letter-spacing:.06em;margin-top:.2rem}
.loan-hero-btns{display:flex;gap:1rem;flex-wrap:wrap}
.btn-gold{background:var(--gold);color:var(--navy-dark);padding:1rem 2rem;border-radius:6px;font-weight:700;font-size:.95rem;text-decoration:none;transition:all .25s;display:inline-block;box-shadow:0 6px 24px rgba(201,168,76,.4)}
.btn-gold:hover{background:var(--gold-light);transform:translateY(-2px)}
.btn-ghost{border:2px solid rgba(255,255,255,.4);color:var(--white)!important;padding:.9rem 2rem;border-radius:6px;font-weight:500;font-size:.95rem;text-decoration:none;transition:all .25s;display:inline-block}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold)!important}

/* Shared section */
section{padding:4.5rem 2rem}
.section-inner{max-width:1100px;margin:0 auto}
.section-tag{font-size:.72rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-bottom:.75rem}
.section-title{font-family:'Playfair Display',serif;font-size:2.1rem;font-weight:700;color:var(--navy-dark);margin-bottom:1rem;line-height:1.2}
.section-subtitle{font-size:1rem;color:var(--text-light);line-height:1.75;margin-bottom:2.5rem;max-width:640px}
.bg-light{background:var(--light)}
.bg-navy{background:var(--navy-dark)}
.bg-navy .section-title{color:var(--white)}
.bg-navy .section-tag{color:var(--gold)}
.bg-navy .section-subtitle{color:rgba(255,255,255,.55)}

/* Overview */
.overview-grid{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:start}
.overview-text p{color:var(--text-light);margin-bottom:1rem;line-height:1.82;font-size:.95rem}
.overview-text p:last-child{margin-bottom:0}
.overview-box{background:var(--white);border-radius:14px;padding:2rem;border:1px solid #e2e8f0}
.overview-box-title{font-family:'Playfair Display',serif;font-size:1rem;font-weight:700;color:var(--navy-dark);margin-bottom:1.25rem;padding-bottom:.75rem;border-bottom:2px solid var(--gold)}
.highlight-row{display:flex;align-items:flex-start;gap:.75rem;margin-bottom:.875rem}
.highlight-row:last-child{margin-bottom:0}
.hl-dot{width:20px;height:20px;background:var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px;font-size:.62rem;font-weight:700;color:var(--navy-dark)}
.hl-text{font-size:.875rem;color:var(--text);line-height:1.6}

/* Benefits */
.benefits-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
.benefit-card{background:var(--white);border-radius:12px;padding:1.75rem;border:1px solid #e2e8f0;transition:all .3s;position:relative;overflow:hidden}
.benefit-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:var(--gold);transform:scaleX(0);transition:transform .3s}
.benefit-card:hover{transform:translateY(-4px);box-shadow:0 12px 40px rgba(0,0,0,.08)}
.benefit-card:hover::before{transform:scaleX(1)}
.benefit-icon{width:46px;height:46px;background:rgba(26,58,92,.08);border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.3rem;margin-bottom:1.1rem}
.benefit-title{font-family:'Playfair Display',serif;font-size:1rem;font-weight:700;color:var(--navy-dark);margin-bottom:.4rem}
.benefit-desc{font-size:.85rem;color:var(--text-light);line-height:1.7}

/* Requirements */
.req-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem}
.req-card{background:var(--white);border-radius:12px;padding:1.75rem;border:1px solid #e2e8f0}
.req-card-title{font-family:'Playfair Display',serif;font-size:1rem;font-weight:700;color:var(--navy-dark);margin-bottom:1rem;padding-bottom:.75rem;border-bottom:2px solid var(--gold)}
.req-list{list-style:none;display:flex;flex-direction:column;gap:.7rem}
.req-list li{display:flex;align-items:flex-start;gap:.75rem;font-size:.85rem;color:var(--text);line-height:1.55}
.req-check{width:18px;height:18px;background:rgba(26,58,92,.08);border:1px solid rgba(26,58,92,.2);border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:1px;font-size:.6rem;color:var(--navy)}

/* FAQ */
.faq-list{display:flex;flex-direction:column;gap:.875rem}
.faq-item{background:var(--white);border:1px solid #e2e8f0;border-radius:12px;overflow:hidden}
.faq-q{width:100%;display:flex;justify-content:space-between;align-items:center;padding:1.1rem 1.5rem;background:none;border:none;font-family:'Inter',sans-serif;font-size:.9rem;font-weight:600;color:var(--navy-dark);cursor:pointer;text-align:left;gap:1rem;transition:background .2s}
.faq-q:hover{background:var(--light)}
.faq-chevron{font-size:.7rem;color:var(--text-light);flex-shrink:0;transition:transform .25s}
.faq-item.open .faq-chevron{transform:rotate(180deg)}
.faq-a{display:none;padding:0 1.5rem 1.25rem;font-size:.86rem;color:var(--text-light);line-height:1.8}
.faq-item.open .faq-a{display:block}

/* Related loans */
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}
.related-card{background:white;border:1px solid #e2e8f0;border-radius:12px;padding:1.5rem;text-decoration:none;transition:all .25s;display:flex;flex-direction:column;gap:.4rem}
.related-card:hover{transform:translateY(-3px);box-shadow:0 8px 30px rgba(0,0,0,.08);border-color:var(--navy)}
.related-icon{font-size:1.35rem;margin-bottom:.2rem}
.related-name{font-weight:700;color:var(--navy-dark);font-size:.9rem}
.related-desc{font-size:.76rem;color:var(--text-light);line-height:1.5}

/* CTA / Contact */
.cta-section{background:var(--navy-dark)}
.cta-section .section-title{color:var(--white)}
.cta-section .section-subtitle{color:rgba(255,255,255,.55)}
.cta-grid{display:grid;grid-template-columns:1fr 1.5fr;gap:3rem;align-items:start}
.cta-info-item{display:flex;align-items:flex-start;gap:.875rem;margin-bottom:1.25rem}
.cta-info-icon{width:40px;height:40px;background:rgba(201,168,76,.15);border:1px solid rgba(201,168,76,.25);border-radius:9px;display:flex;align-items:center;justify-content:center;font-size:.95rem;flex-shrink:0}
.cta-info-label{font-size:.68rem;text-transform:uppercase;letter-spacing:.05em;color:rgba(255,255,255,.4);margin-bottom:.15rem}
.cta-info-value{font-size:.875rem;color:rgba(255,255,255,.82);font-weight:500;text-decoration:none;line-height:1.5;display:block}
.cta-info-value:hover{color:var(--gold)}
.cta-form-wrap{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:16px;padding:2rem}
.cta-form-title{font-family:'Playfair Display',serif;font-size:1.2rem;color:var(--white);margin-bottom:.3rem}
.cta-form-sub{font-size:.8rem;color:rgba(255,255,255,.45);margin-bottom:1.5rem;line-height:1.6}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:.875rem}
.form-group{margin-bottom:.875rem}
.form-group label{display:block;font-size:.75rem;font-weight:600;color:rgba(255,255,255,.65);margin-bottom:.35rem}
.form-group input,.form-group select,.form-group textarea{width:100%;padding:.7rem 1rem;border:1px solid rgba(255,255,255,.15);border-radius:6px;font-family:'Inter',sans-serif;font-size:.875rem;color:var(--white);background:rgba(255,255,255,.08);transition:border-color .2s}
.form-group input::placeholder,.form-group textarea::placeholder{color:rgba(255,255,255,.3)}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,168,76,.1)}
.form-group select{color:rgba(255,255,255,.65)}
.form-group select option{color:var(--text);background:white}
.form-group textarea{height:85px;resize:vertical}
.form-submit{width:100%;background:var(--gold);color:var(--navy-dark);border:none;padding:.95rem;border-radius:6px;font-family:'Inter',sans-serif;font-size:.95rem;font-weight:700;cursor:pointer;transition:all .2s}
.form-submit:hover{background:var(--gold-light)}
.form-submit:disabled{opacity:.65;cursor:not-allowed}
.form-disclaimer{font-size:.67rem;color:rgba(255,255,255,.3);margin-top:.75rem;line-height:1.6}

/* Footer */
footer{background:var(--navy-dark);color:rgba(255,255,255,.6);padding:3rem 2rem;border-top:1px solid rgba(255,255,255,.07)}
.footer-inner{max-width:1200px;margin:0 auto}
.footer-top{display:flex;justify-content:space-between;align-items:flex-start;padding-bottom:2rem;border-bottom:1px solid rgba(255,255,255,.1);margin-bottom:2rem;gap:2rem;flex-wrap:wrap}
.footer-brand{font-family:'Playfair Display',serif;font-size:1.1rem;color:var(--gold);margin-bottom:.5rem}
.footer-nmls{font-size:.8rem;line-height:1.9}
.footer-links{display:flex;gap:2rem;flex-wrap:wrap;align-items:flex-start}
.footer-links a{color:rgba(255,255,255,.6);text-decoration:none;font-size:.85rem;transition:color .2s}
.footer-links a:hover{color:var(--gold)}
.equal-housing{display:inline-flex;align-items:center;gap:.5rem;color:rgba(255,255,255,.6);font-size:.8rem;margin-bottom:1rem}
.equal-housing-icon{width:28px;height:28px;background:var(--gold);border-radius:4px;display:flex;align-items:center;justify-content:center;color:var(--navy-dark);font-weight:700;font-size:.65rem;flex-shrink:0}
.footer-compliance{font-size:.72rem;line-height:1.85;color:rgba(255,255,255,.4)}

/* Responsive */
@media(max-width:960px){
    .nav-links{display:none}
    .hamburger{display:flex}
    .loan-hero h1{font-size:2.3rem}
    .benefits-grid{grid-template-columns:1fr 1fr}
    .overview-grid{grid-template-columns:1fr}
    .req-grid{grid-template-columns:1fr}
    .cta-grid{grid-template-columns:1fr}
    .related-grid{grid-template-columns:1fr 1fr}
    section{padding:3.5rem 1.5rem}
}
@media(max-width:600px){
    .benefits-grid{grid-template-columns:1fr}
    .loan-hero h1{font-size:1.9rem}
    .loan-stats{gap:1rem}
    .form-row{grid-template-columns:1fr}
    .related-grid{grid-template-columns:1fr}
    .loan-hero-btns{flex-direction:column}
    .btn-gold,.btn-ghost{text-align:center}
    section{padding:3rem 1.25rem}
}