:root {
      --bg: #f5f5f7;
      --text: #1d1d1f;
      --muted: rgba(29,29,31,.56);
      --accent: #c8b56e;
      --max-width: 1180px;
    }
    * { box-sizing: border-box; margin: 0; padding: 0; }
    body {
      background: var(--bg);
      color: var(--text);
      font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
      line-height: 1.5;
      scroll-behavior: smooth;
    }
    a { color: inherit; text-decoration: none; }

    /* NAVBAR */
    .top-nav {
      width: 100%;
      background: rgba(0,0,0,.6); backdrop-filter: blur(18px);
      position: sticky;
      top: 0;
      z-index: 150;
      border-bottom: 1px solid rgba(255,255,255,.15);
      transition: all 0.45s cubic-bezier(0.25, 0.1, 0.25, 1);
      display: flex;
      align-items: center;
      justify-content: center;
    }
    .top-nav-inner {
      width: 100%;
      max-width: var(--max-width);
      margin: 0 auto;
      display: flex;
      align-items: center;
      justify-content: space-between;
      padding: 40px 36px;
      gap: 20px;
      transition: all 0.45s cubic-bezier(0.25, 0.1, 0.25, 1);
    }
    .top-nav-left img {
      height: 200px;
      width: auto;
      transition: all 0.45s cubic-bezier(0.25, 0.1, 0.25, 1);
    }
    .top-nav-right {
      display: flex;
      align-items: center;
      gap: 26px;
      transition: all 0.45s cubic-bezier(0.25, 0.1, 0.25, 1);
    }
    .top-link {
      font-size: 22px;
      color: rgba(255,255,255,.92);
      transition: all 0.45s cubic-bezier(0.25, 0.1, 0.25, 1);
      border-bottom: 3px solid transparent;
      padding: 6px 0;
    }
    .top-link:hover,
    .top-link.active {
      color: #fff;
      border-bottom-color: rgba(255,255,255,.5);
    }
    .top-nav.shrink .top-nav-inner {
      padding: 16px 36px;
    }
    .top-nav.shrink .top-nav-left img {
      height: 120px;
    }
    .top-nav.shrink .top-link {
      font-size: 18px;
    }

    /* HERO */
    .hero {
      position: relative;
      width: 100%;
      min-height: 100vh;
      display: flex;
      align-items: center;
      justify-content: center;
      text-align: center;
      overflow: hidden;
    }
    .hero video {
      position: absolute;
      inset: 0;
      width: 100%; height: 100%;
      object-fit: cover;
      z-index: 0;
    }
    .hero::after {
      content: "";
      position: absolute;
      inset: 0;
      background: radial-gradient(circle at center, rgba(0,0,0,.15), rgba(0,0,0,.7));
      z-index: 1;
    }
    .hero-content {
      position: relative;
      z-index: 2;
      color: #fff;
      max-width: 760px;
      padding: 180px 18px 110px;
    }
    .hero-content small {
      font-size: 16px;
      text-transform: uppercase;
      letter-spacing: .25em;
      color: rgba(255,255,255,.6);
    }
    .hero-title {
      font-size: clamp(64px, 7vw, 88px);
      font-weight: 700;
      letter-spacing: -0.045em;
      margin: 14px 0 12px;
      line-height: .98;
    }
    .hero-sub {
      font-size: 22px;
      color: rgba(255,255,255,.75);
      margin-bottom: 30px;
    }
    .hero-cta {
      display: flex;
      gap: 18px;
      justify-content: center;
      flex-wrap: wrap;
    }
    .btn-primary {
      background: #fff;
      color: #000;
      border-radius: 999px;
      padding: 14px 26px;
      font-weight: 600;
      border: none;
      cursor: pointer;
      font-size: 17px;
    }
    .btn-secondary {
      background: rgba(0,0,0,.25);
      color: #fff;
      padding: 12px 22px;
      border-radius: 999px;
      border: 1px solid rgba(255,255,255,.5);
      font-weight: 500;
      font-size: 17px;
      cursor: pointer;
    }
    .hero-note {
      margin-top: 18px;
      font-size: 14px;
      color: rgba(255,255,255,.7);
    }

    /* SECTIONS */
    section.section { padding: 80px 18px 40px; }
    .section-inner { max-width: var(--max-width); margin: 0 auto; }
    .section-title { font-size: 44px; letter-spacing: -0.03em; margin-bottom: 10px; }
    .section-sub { max-width: 600px; color: var(--muted); margin-bottom: 40px; }

    /* PARTNERS */
    .design-grid {
      display: grid;
      grid-template-columns: 1.1fr .9fr;
      gap: 32px;
      align-items: center;
    }
    .design-img {
      position: relative;
      overflow: hidden;
      border-radius: 24px;
      min-height: 400px;
      background: linear-gradient(135deg, #d6d4c6, #e4e2d5);
      display: flex;
      align-items: center;
      justify-content: center;
    }
    .design-img img {
      position: absolute;
      inset: 0;
      width: 100%; height: 100%;
      object-fit: contain;
      opacity: 0;
      transition: opacity .25s ease;
    }
    .design-img img.active { opacity: 1; }
    .pill {
      background: rgba(0,113,227,.08);
      border: 1px solid rgba(0,113,227,.19);
      border-radius: 999px;
      display: inline-flex;
      align-items: center;
      gap: 6px;
      color: #0071e3;
      padding: 4px 10px 4px 6px;
      font-size: 12px;
      margin-bottom: 10px;
    }

    /* CALCULATOR */
    #performance {
      background: #f5f5f7;
      padding: 80px 18px 70px;
      border-radius: 20px;
      border: 1px solid rgba(0, 0, 0, 0.1);
      box-shadow: 0 12px 40px rgba(0, 0, 0, 0.05);
    }
    #performance .section-inner {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 0;
      background: #ffffff;
      border-radius: 20px;
      border: 1.5px solid #c8b56e;
      overflow: hidden;
      box-shadow: 0 8px 20px rgba(0,0,0,0.05);
    }
    #performance .perf-left,
    #performance .perf-right {
      padding: 40px 40px;
      background: #fff;
    }
    #performance .perf-left .left-bubble {
      background: #fafafa;
      border: 1px solid #c8b56e;
      border-radius: 16px;
      padding: 24px 24px;
      display: flex;
      flex-direction: column;
      gap: 18px;
      box-shadow: 0 6px 16px rgba(0,0,0,0.04);
    }
    #performance .input-group {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 14px;
    }
    #performance .result-row {
      background: #fafafa;
      border: 1px solid rgba(0,0,0,.1);
      border-radius: 10px;
      padding: 10px 12px;
    }
    #performance .metric-label {
      font-size: 12px;
      font-weight: 600;
      margin-bottom: 4px;
      text-transform: uppercase;
      color: #333;
    }
    #performance .metric-value {
      width: 100%;
      font-size: 14px;
      font-weight: 600;
      color: #000;
      padding: 4px;
      border: none;
      border-bottom: 1px solid rgba(0,0,0,0.25);
      background: transparent;
      outline: none;
      text-align: center;
    }
    #performance .metric-value:focus {
      border-bottom: 1px solid #c8b56e;
    }
    #performance .metric-note {
      font-size: 12px;
      color: #777;
      margin-top: 4px;
    }
    #performance .emi-row {
      display: flex;
      gap: 12px;
      align-items: center;
      justify-content: space-between;
    }
    #performance .emi-row .view-btn {
      background: #e74c3c;
      color: #fff;
      font-weight: 600;
      font-size: 14px;
      border: none;
      border-radius: 10px;
      padding: 10px 16px;
      cursor: pointer;
      transition: all 0.45s cubic-bezier(0.25, 0.1, 0.25, 1);
      flex-shrink: 0;
    }
    #performance .emi-row .view-btn:hover {
      background: #c0392b;
      box-shadow: 0 0 10px rgba(231,76,60,0.4);
    }

    /* ELIGIBILITY */
    #performance .summary-bubble {
      background: #fafafa;
      border: 1px solid #c8b56e;
      border-radius: 16px;
      padding: 24px 24px;
      box-shadow: 0 6px 16px rgba(0,0,0,0.04);
    }
    #performance .summary-bubble h3 {
      text-align: center;
      font-size: 18px;
      margin-bottom: 16px;
    }
    #performance .summary-bubble .perf-cols {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 14px;
    }
    #maxLoan {
      font-size: 20px;
      font-weight: 800;
      color: #000;
      text-align: center;
    }

    /* MODAL */
    .modal {
      display: none;
      position: fixed;
      inset: 0;
      z-index: 9999;
      background: rgba(0,0,0,.45);
      align-items: center;
      justify-content: center;
    }
    .modal-content {
      background: #fff;
      border: 2px solid #c8b56e;
      border-radius: 16px;
      box-shadow: 0 8px 24px rgba(0,0,0,0.2);
      padding: 30px 28px;
      width: 90%;
      max-width: 700px;
    }
    .modal-header {
      display: flex;
      align-items: center;
      justify-content: space-between;
      margin-bottom: 18px;
    }
    .modal-close {
      font-size: 24px;
      cursor: pointer;
    }

    /* ENVIRONMENT */
    .env-block {
      background: radial-gradient(circle, #fefefe, #e6f4e7);
      border-radius: 32px;
      padding: 50px 34px 40px;
      border: 1px solid rgba(0,0,0,.02);
      display: grid;
      grid-template-columns: 1.2fr .8fr;
      gap: 25px;
      align-items: center;
    }
    .env-img {
      background: #fff;
      border-radius: 22px;
      min-height: 210px;
      border: 1px solid rgba(0,0,0,.03);
      display: flex;
      align-items: center;
      justify-content: center;
      color: rgba(0,0,0,.18);
      font-size: 12px;
    }

    footer {
      max-width: var(--max-width);
      margin: 0 auto;
      padding: 50px 18px 70px;
      color: rgba(0,0,0,.45);
      font-size: 13px;
      text-align: center;
    }

    /* Reveal */
    .reveal { opacity: 0; transform: translateY(26px); transition: all .6s ease-out; }
    .reveal.show { opacity: 1; transform: translateY(0); }

    @media (max-width: 980px) {
      .top-nav-inner { flex-direction: column; align-items: flex-start; }
      .top-nav-left img { height: 140px; }
      .design-grid { grid-template-columns: 1fr; }
      #performance .section-inner { grid-template-columns: 1fr; }
      #performance .summary-bubble .perf-cols { grid-template-columns: 1fr; }
      .env-block { grid-template-columns: 1fr; }
    }
  
    /* PREAPPROVE BUBBLE */
    .preapprove-bubble {
      display: flex;
      justify-content: center;
      align-items: center;
      background: #c8b56e;
      color: #000;
      font-weight: 700;
      font-size: 18px;
      text-transform: uppercase;
      border-radius: 999px;
      padding: 18px 40px;
      width: fit-content;
      margin: 40px auto 0;
      cursor: pointer;
      transition: all 0.45s cubic-bezier(0.25, 0.1, 0.25, 1);
      box-shadow: 0 6px 16px rgba(0,0,0,0.15);
    }
    .preapprove-bubble:hover {
      background: #000;
      color: #c8b56e;
      transform: scale(1.05);
    }
    
    /* Mobile Navigation */
    
    
    .mobile-menu {
      position: fixed;
      top: 0;
      right: 0;
      height: 100vh;
      width: 70%;
      background: rgba(0,0,0,0.95);
      backdrop-filter: blur(10px);
      transform: translateX(100%);
      transition: transform 0.4s ease-in-out;
      z-index: 999;
      display: flex;
      flex-direction: column;
      align-items: center;
      justify-content: center;
    }
    .mobile-menu.active {
      transform: translateX(0);
    }
    .mobile-menu a {
      color: #c8b56e;
      text-decoration: none;
      font-size: 22px;
      font-weight: 600;
      margin: 14px 0;
      transition: color 0.3s ease;
    }
    .mobile-menu a:hover {
      color: #fff;
    }
    @media (max-width: 980px) {
      .top-nav-inner .top-links {
        display: none !important;
      }
      .top-nav-left {
        width: 100%;
        text-align: center;
      }
      .top-nav-left img {
        margin: 0 auto;
        display: block;
      }
      
    }
    
    /* Reduced Navigation Height */
    .top-nav {
      height: 80px !important;
    }
    .top-nav-inner {
      padding: 8px 20px !important;
    }
    .top-nav img {
      max-height: 60px !important;
    }
    
    /* Updated Navigation Bar (80px height, transparent-to-black on scroll) */
    .top-nav {
      height: 160px !important;
      position: fixed;
      top: 0;
      left: 0;
      width: 100%;
      background: transparent;
      transition: background 0.4s ease, height 0.3s ease;
      z-index: 1000;
    }
    .top-nav.scrolled {
      background: rgba(0,0,0,0.9);
      backdrop-filter: blur(6px);
    }
    .top-nav-inner {
      padding: 20px 40px !important;
    }
    .top-nav img {
      max-height: 120px !important;
      transition: all 0.3s ease;
    }
    @media (max-width: 980px) {
      .top-nav {
        background: rgba(0,0,0,0.95);
      }
    }
    


/* --- Simplified Mobile Header (Logo + Hamburger Only) --- */
@media (max-width: 980px) {
  .top-nav {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 140px;
    background: rgba(0,0,0,0.95);
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 0 20px;
    z-index: 1000;
  }
  .top-nav-inner {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 0 !important;
  }
  .top-nav-left img {
    height: 100px !important;
    width: auto;
    display: block;
  }
  .top-nav-right {
    display: none !important;
  }
  
  
  .mobile-menu {
    position: fixed;
    top: 0;
    right: -100%;
    width: 75%;
    height: 100vh;
    background: rgba(0,0,0,0.97);
    backdrop-filter: blur(8px);
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 24px;
    transition: right 0.4s ease;
    z-index: 9999;
  }
  .mobile-menu.active {
    right: 0;
  }
  .mobile-menu a {
    color: #c8b56e;
    font-size: 22px;
    font-weight: 600;
    text-decoration: none;
  }
  .mobile-menu a:hover {
    color: #fff;
  }
}



.top-nav {
  transition: transform 0.4s ease-in-out;
}



/* Dynamic-Island style nav (centered pill) */
.top-nav {
  position: fixed !important;
  top: 16px !important;
  left: 50% !important;
  transform: translateX(-50%);
  width: min(1100px, 92vw);
  height: 110px !important; /* keep the "twice height" look */
  background: rgba(0,0,0,0.6);
  backdrop-filter: blur(14px);
  border-radius: 999px;
  box-shadow: 0 18px 40px rgba(0,0,0,0.28);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 1000;
  transition: transform 0.4s ease-in-out, background 0.3s ease;
  border: 1px solid rgba(200,181,110,0.25);
}
.top-nav.scrolled {
  background: rgba(0,0,0,0.9);
}
.top-nav-inner {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 28px !important;
  gap: 20px;
}
.top-nav-left img {
  height: 70px !important;
}
/* mobile: full width bar */
@media (max-width: 980px) {
  .top-nav {
    left: 0 !important;
    transform: translateX(0) !important;
    width: 100% !important;
    border-radius: 0 0 26px 26px;
    top: 0 !important;
    height: 76px !important;
  }
  .top-nav-inner {
    padding: 0 20px !important;
  }
}



/* Mobile Dynamic-Island notch style */
@media (max-width: 980px) {
  .top-nav {
    position: fixed !important;
    top: 12px !important;
    left: 50% !important;
    transform: translateX(-50%);
    width: 92%;
    height: 76px !important;
    background: rgba(0,0,0,0.7);
    backdrop-filter: blur(10px);
    border-radius: 999px;
    box-shadow: 0 6px 20px rgba(0,0,0,0.25);
    border: 1px solid rgba(200,181,110,0.3);
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 0 20px;
    z-index: 1000;
    transition: transform 0.4s ease-in-out;
  }
  .top-nav-left img {
    height: 46px !important;
    width: auto;
  }
  
  
  .top-nav-right {
    display: none !important;
  }
}



/* Floating Dynamic-Island notch on mobile */
@media (max-width: 980px) {
  .top-nav {
    position: fixed !important;
    top: 16px !important;
    left: 50% !important;
    transform: translateX(-50%);
    width: 85% !important;
    height: 76px !important;
    background: rgba(0,0,0,0.75);
    backdrop-filter: blur(12px);
    border-radius: 999px;
    box-shadow: 0 6px 25px rgba(0,0,0,0.35);
    border: 1px solid rgba(200,181,110,0.35);
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 0 20px;
    z-index: 1000;
    transition: transform 0.4s ease-in-out, opacity 0.3s ease;
  }
  .top-nav-left img {
    height: 46px !important;
    width: auto;
  }
  
  
  .top-nav-right {
    display: none !important;
  }
}



/* Android-safe floating Dynamic-Island nav */
@media (max-width: 980px) {
  .top-nav {
    position: fixed !important;
    top: calc(env(safe-area-inset-top, 0px) + 16px) !important;
    left: 50% !important;
    transform: translateX(-50%) !important;
    width: 90% !important;
    height: 80px !important;
    background: rgba(0,0,0,0.8);
    backdrop-filter: blur(12px);
    border-radius: 999px;
    box-shadow: 0 6px 25px rgba(0,0,0,0.35);
    border: 1px solid rgba(200,181,110,0.35);
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 0 20px;
    z-index: 1000;
    transition: all 0.4s ease-in-out;
  }
  .top-nav-left img {
    height: 48px !important;
    width: auto;
  }
  
  
  .top-nav-right {
    display: none !important;
  }
}



.top-nav {
  transition: all 0.3s ease-in-out !important;
}
@media (max-width: 980px) {
  .top-nav {
    transition: all 0.3s ease-in-out !important;
  }
}



.zigzag-timeline {
  position: relative;
  margin: 0 auto;
  padding: 20px 0 40px;
  max-width: 1000px;
}
.zigzag-timeline .timeline-line {
  position: absolute;
  top: 0;
  bottom: 0;
  left: 50%;
  width: 4px;
  background: #c8b56e;
  transform: translateX(-50%);
}
.timeline-item {
  position: relative;
  width: 50%;
  padding: 20px 40px;
  margin-bottom: 60px;
}
.timeline-item.left {
  left: 0;
  text-align: right;
}
.timeline-item.right {
  left: 50%;
  text-align: left;
}
.timeline-item.center {
  left: 25%;
  width: 50%;
  text-align: center;
}
.timeline-badge {
  position: absolute;
  top: 10px;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: #c8b56e;
  color: #000;
  font-weight: 700;
  font-size: 19px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 6px 16px rgba(0,0,0,0.08);
  z-index: 2;
}
.timeline-item.left .timeline-badge {
  right: -26px;
}
.timeline-item.right .timeline-badge {
  left: -26px;
}
.timeline-card {
  background: #f9f9f7;
  border: 1px solid rgba(0,0,0,0.03);
  border-left: 5px solid #c8b56e;
  border-radius: 16px;
  padding: 24px 26px 22px;
  box-shadow: 0 8px 18px rgba(0,0,0,0.05);
  transition: all 0.3s ease;
}
.timeline-card h3 {
  margin-bottom: 8px;
  font-size: 20px;
  color: #000;
}
.timeline-card p {
  color: rgba(0,0,0,.7);
  line-height: 1.5;
}
.timeline-card:hover {
  background: #083819;
  color: #fff;
  border-left-color: #083819;
  transform: translateY(-3px);
}
.timeline-card:hover h3,
.timeline-card:hover p {
  color: #fff;
}
.timeline-item::after {
  content: "";
  position: absolute;
  top: 32px;
  width: 80px;
  height: 50px;
  border: 3px solid #c8b56e;
  border-radius: 50px;
}
.timeline-item.left::after {
  right: -80px;
  border-left: none;
}
.timeline-item.right::after {
  left: -80px;
  border-right: none;
}
.timeline-item.center::after {
  display: none;
}
@media (max-width: 980px) {
  .zigzag-timeline .timeline-line {
    left: 24px;
  }
  .timeline-item,
  .timeline-item.left,
  .timeline-item.right,
  .timeline-item.center {
    width: 100%;
    left: 0;
    text-align: left;
    padding-left: 70px;
  }
  .timeline-item.left .timeline-badge,
  .timeline-item.right .timeline-badge,
  .timeline-item.center .timeline-badge {
    left: 0;
  }
  .timeline-item::after {
    display: none;
  }
  .timeline-card {
    margin-top: 12px;
  }
}



/* Horizontal Timeline */
.horizontal-timeline {
  position: relative;
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  flex-wrap: nowrap;
  max-width: 1200px;
  margin: auto;
  padding: 40px 0;
}
.timeline-track {
  position: absolute;
  top: 40px;
  left: 0;
  width: 100%;
  height: 4px;
  background: #c8b56e;
  border-radius: 2px;
  z-index: 0;
  transition: all 0.3s ease;
}
.timeline-step {
  position: relative;
  flex: 1;
  text-align: center;
  padding: 0 10px;
}
.timeline-circle {
  width: 70px;
  height: 70px;
  background: #c8b56e;
  border-radius: 50%;
  color: #000;
  font-weight: 700;
  font-size: 22px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  z-index: 2;
  position: relative;
  transition: all 0.3s ease;
  box-shadow: 0 8px 16px rgba(0,0,0,0.1);
}
.timeline-step h3 {
  font-size: 20px;
  margin-bottom: 10px;
  color: #000;
  transition: color 0.3s ease;
}
.timeline-step p {
  font-size: 16px;
  color: rgba(0,0,0,0.7);
  line-height: 1.6;
  transition: color 0.3s ease;
  max-width: 240px;
  margin: 0 auto;
}
.timeline-step:hover .timeline-circle {
  background: #083819;
  color: #fff;
  transform: scale(1.1);
}
.timeline-step:hover h3,
.timeline-step:hover p {
  color: #083819;
}
.timeline-step:hover ~ .timeline-track {
  background: linear-gradient(to right, #c8b56e 50%, #083819 50%);
}

/* Responsive */
@media (max-width: 1024px) {
  .horizontal-timeline {
    flex-wrap: wrap;
    justify-content: center;
  }
  .timeline-track {
    display: none;
  }
  .timeline-step {
    width: 100%;
    margin-bottom: 50px;
  }
}



/* Enhanced Zigzag Timeline */
.zigzag-timeline {
  position: relative;
  margin: 0 auto;
  padding: 20px 0 40px;
  max-width: 1000px;
}
.zigzag-timeline .timeline-line {
  position: absolute;
  top: 0;
  bottom: 0;
  left: 50%;
  width: 3px;
  background: #c8b56e;
  transform: translateX(-50%);
}
.timeline-item {
  position: relative;
  width: 50%;
  padding: 20px 40px;
  margin-bottom: 60px;
}
.timeline-item.left {
  left: 0;
  text-align: right;
}
.timeline-item.right {
  left: 50%;
  text-align: left;
}
.timeline-item.center {
  left: 25%;
  width: 50%;
  text-align: center;
}
.timeline-badge {
  position: absolute;
  top: 10px;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: #c8b56e;
  color: #000;
  font-weight: 700;
  font-size: 19px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 6px 16px rgba(0,0,0,0.08);
  z-index: 2;
}
.timeline-item.left .timeline-badge {
  right: -24px;
}
.timeline-item.right .timeline-badge {
  left: -24px;
}
.timeline-card {
  background: #f9f9f7;
  border: 1px solid rgba(0,0,0,0.03);
  border-left: 5px solid #c8b56e;
  border-radius: 16px;
  padding: 22px 22px 20px;
  box-shadow: 0 8px 18px rgba(0,0,0,0.03);
  transition: all 0.3s ease;
}
.timeline-card h3 {
  margin-bottom: 8px;
  font-size: 20px;
  color: #000;
}
.timeline-card p {
  color: rgba(0,0,0,.7);
  line-height: 1.5;
}
.timeline-card:hover {
  background: #083819;
  color: #fff;
  transform: translateY(-3px);
}
.timeline-card:hover h3,
.timeline-card:hover p {
  color: #fff;
}
.timeline-item::after {
  content: "";
  position: absolute;
  top: 32px;
  width: 60px;
  height: 40px;
  border: 2px solid #c8b56e;
  border-radius: 40px;
}
.timeline-item.left::after {
  right: -60px;
  border-left: none;
}
.timeline-item.right::after {
  left: -60px;
  border-right: none;
}
.timeline-item.center::after {
  display: none;
}
@media (max-width: 980px) {
  .zigzag-timeline .timeline-line {
    left: 24px;
  }
  .timeline-item,
  .timeline-item.left,
  .timeline-item.right,
  .timeline-item.center {
    width: 100%;
    left: 0;
    text-align: left;
    padding-left: 70px;
  }
  .timeline-item.left .timeline-badge,
  .timeline-item.right .timeline-badge,
  .timeline-item.center .timeline-badge {
    left: 0;
  }
  .timeline-item::after {
    display: none;
  }
  .timeline-card {
    margin-top: 12px;
  }
}



.zigzag-timeline {
  position: relative;
  margin: 0 auto;
  padding: 20px 0 40px;
  max-width: 1000px;
}
.zigzag-timeline .timeline-line {
  position: absolute;
  top: 0;
  bottom: 0;
  left: 50%;
  width: 3px;
  background: #c8b56e;
  transform: translateX(-50%);
}
.timeline-item {
  position: relative;
  width: 50%;
  padding: 20px 40px 14px 40px;
  margin-bottom: 50px;
}
.timeline-item.left {
  left: 0;
  text-align: right;
}
.timeline-item.right {
  left: 50%;
  text-align: left;
}
.timeline-badge {
  position: absolute;
  top: 10px;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: #c8b56e;
  color: #000;
  font-weight: 700;
  font-size: 19px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 6px 16px rgba(0,0,0,0.08);
  z-index: 2;
}
.timeline-item.left .timeline-badge {
  right: -24px;
}
.timeline-item.right .timeline-badge {
  left: -24px;
}
.timeline-card {
  background: #f9f9f7;
  border: 1px solid rgba(0,0,0,0.03);
  border-left: 5px solid #c8b56e;
  border-radius: 16px;
  padding: 22px 22px 20px;
  box-shadow: 0 8px 18px rgba(0,0,0,0.03);
  transition: all 0.3s ease;
}
.timeline-card h3 {
  margin-bottom: 8px;
  font-size: 20px;
  color: #000;
}
.timeline-card p {
  color: rgba(0,0,0,.7);
  line-height: 1.5;
}
.timeline-card:hover {
  background: #083819;
  color: #fff;
  border-left-color: #083819;
  transform: translateY(-3px);
}
.timeline-card:hover p {
  color: rgba(255,255,255,0.9);
}
/* Curved connectors */
.timeline-item::after {
  content: "";
  position: absolute;
  top: 32px;
  width: 60px;
  height: 40px;
  border: 2px solid #c8b56e;
  border-radius: 40px;
}
.timeline-item.left::after {
  right: -60px;
  border-left: none;
}
.timeline-item.right::after {
  left: -60px;
  border-right: none;
}

@media (max-width: 980px) {
  .zigzag-timeline .timeline-line {
    left: 24px;
  }
  .timeline-item,
  .timeline-item.left,
  .timeline-item.right {
    width: 100%;
    left: 0;
    text-align: left;
    padding-left: 70px;
  }
  .timeline-item.left .timeline-badge,
  .timeline-item.right .timeline-badge {
    left: 0;
  }
  .timeline-item::after {
    display: none;
  }
  .timeline-card {
    margin-top: 12px;
  }
}



/* Timeline styling */
.timeline {
  position: relative;
  margin: 0 auto;
  padding-left: 40px;
  max-width: 800px;
  border-left: 3px solid #c8b56e;
}
.timeline-step {
  position: relative;
  margin-bottom: 60px;
}
.timeline-icon {
  position: absolute;
  left: -30px;
  top: 0;
  background: #c8b56e;
  color: #000;
  width: 50px;
  height: 50px;
  border-radius: 50%;
  font-weight: 700;
  font-size: 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 6px 12px rgba(0,0,0,0.1);
}
.timeline-content {
  background: #f9f9f9;
  border-radius: 12px;
  padding: 24px 30px;
  box-shadow: 0 6px 14px rgba(0,0,0,0.08);
  transition: all 0.3s ease;
}
.timeline-content h3 {
  color: #000;
  font-size: 20px;
  margin-bottom: 8px;
}
.timeline-content p {
  color: #333;
  line-height: 1.6;
}
.timeline-step:hover .timeline-content {
  background: #000;
  color: #c8b56e;
}
@media (max-width: 768px) {
  .timeline {
    border-left: none;
    border-top: 3px solid #c8b56e;
    padding-left: 0;
    padding-top: 40px;
  }
  .timeline-step {
    margin-bottom: 50px;
  }
  .timeline-icon {
    left: 50%;
    transform: translateX(-50%);
    top: -35px;
  }
  .timeline-content {
    margin-top: 30px;
    text-align: center;
  }
}



/* --- SERVICES SECTION --- */
#services {
  background: #fff;
  color: #000;
  padding: 100px 0;
}
#services .container {
  max-width: 1200px;
  margin: auto;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 60px;
}
#services .services-text {
  flex: 1 1 380px;
}
#services .services-text h2 {
  font-size: 44px;
  font-weight: 700;
  margin-bottom: 20px;
}
#services .services-text p {
  color: rgba(0,0,0,0.6);
  font-size: 18px;
  line-height: 1.6;
  margin-bottom: 40px;
}
#services .services-text a {
  display: inline-block;
  padding: 16px 36px;
  background: #f5f5f7;
  color: #000;
  border-radius: 999px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  transition: all 0.3s ease;
}
#services .services-text a:hover {
  background: #c8b56e;
  color: #000;
}
#services .services-cards {
  flex: 2 1 700px;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 30px;
}
#services .service-card {
  background: #fafafa;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 8px 20px rgba(0,0,0,0.06);
  position: relative;
  text-align: center;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
#services .service-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 12px 28px rgba(0,0,0,0.08);
}
#services .service-card img {
  width: 100%;
  height: 320px;
  object-fit: cover;
}
#services .service-card div {
  position: absolute;
  bottom: 20px;
  left: 50%;
  transform: translateX(-50%);
  background: #fff;
  padding: 10px 24px;
  border-radius: 999px;
  font-weight: 700;
}
@media (max-width: 980px) {
  #services .container {
    flex-direction: column;
  }
  #services .services-text {
    text-align: center;
  }
}



/* --- SERVICES: Deck-Style 3D Cards --- */
#services .services-cards {
  perspective: 1000px;
}
.parallax-card {
  transform-style: preserve-3d;
  will-change: transform, box-shadow;
}
.parallax-card:hover {
  box-shadow: 0 18px 45px rgba(0,0,0,0.12);
}
.parallax-card .card-label {
  position: absolute;
  bottom: 20px;
  left: 50%;
  transform: translateZ(30px) translateX(-50%);
  background: #fff;
  padding: 10px 24px;
  border-radius: 999px;
  font-weight: 700;
  box-shadow: 0 6px 14px rgba(0,0,0,0.08);
}
.parallax-card img {
  transform: translateZ(0);
  transition: transform 0.35s ease;
}
.parallax-card:hover img {
  transform: translateZ(10px) scale(1.03);
}
/* reduce top spacing since button removed */
#services .services-text p { margin-bottom: 12px; }


/* === Dynamic Island Navbar === */
.dynamic-nav {
  position: fixed;
  top: 16px;
  left: 50%;
  transform: translateX(-50%);
  width: 220px;
  height: 80px;
  background: rgba(0, 0, 0, 0.75);
  backdrop-filter: blur(12px);
  border-radius: 999px;
  box-shadow: 0 6px 20px rgba(0, 0, 0, 0.25);
  border: 1px solid rgba(200, 181, 110, 0.35);
  z-index: 1000;
  transition: all 0.4s ease-in-out;
  display: flex;
  align-items: center;
  justify-content: center;
}

.dynamic-nav.expanded {
  width: 90%;
  max-width: 1000px;
  justify-content: space-between;
  padding: 0 40px;
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  height: 100%;
}

.nav-logo img {
  height: 48px;
  cursor: pointer;
  transition: transform 0.3s ease;
}

.nav-logo img:hover {
  transform: scale(1.05);
}

.nav-links {
  display: none;
  gap: 24px;
}

.dynamic-nav.expanded .nav-links {
  display: flex;
}

.nav-links a {
  color: #c8b56e;
  text-decoration: none;
  font-weight: 600;
  font-size: 16px;
  transition: color 0.3s ease;
}

.nav-links a:hover {
  color: #fff;
}

@media (max-width: 980px) {
  .dynamic-nav {
    width: 85%;
    height: 70px;
  }
  .nav-links a {
    font-size: 15px;
  }
}


/* ===== Gold Intro (black body; glitter only on 4 words) ===== */
.gold-intro{
  color:#000;
  text-align:center;
  font-size:20px;
  line-height:1.8;
  max-width:900px;
  margin:0 auto 32px;
}
.gold-glitter{
  background:linear-gradient(90deg,#f6e27a,#c8b56e,#ffdf91,#f6e27a);
  -webkit-background-clip:text;
  -webkit-text-fill-color:transparent;
  background-size:300%;
  animation:goldShine 3s linear infinite;
}
@keyframes goldShine{
  0%{background-position:0% 50%}
  50%{background-position:100% 50%}
  100%{background-position:0% 50%}
}


/* ===== Service Modals (black glass) ===== */
.rf-overlay{position:fixed;inset:0;background:rgba(0,0,0,.6);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);opacity:0;visibility:hidden;transition:opacity .35s ease,visibility .35s ease;z-index:1100}
.rf-overlay.active{opacity:1;visibility:visible}
.rf-modal{position:fixed;top:50%;left:50%;transform:translate(-50%,-42%) scale(.95);width:min(560px,90vw);background:rgba(0,0,0,.88);color:#c8b56e;border-radius:22px;border:1px solid rgba(200,181,110,.35);box-shadow:0 24px 64px rgba(0,0,0,.5);padding:28px;z-index:1110;opacity:0;visibility:hidden;transition:opacity .35s ease,transform .6s cubic-bezier(.25,1,.5,1),visibility .35s ease}
.rf-modal.active{opacity:1;visibility:visible;transform:translate(-50%,-50%) scale(1)}
.rf-modal h3{margin:0 0 10px;font-size:24px;font-weight:700}
.rf-modal p{margin:0;line-height:1.7;color:rgba(200,181,110,.95)}
.rf-close{position:absolute;top:8px;right:12px;width:36px;height:36px;border-radius:12px;background:rgba(255,255,255,.06);border:1px solid rgba(200,181,110,.35);color:#c8b56e;font-size:22px;line-height:32px;text-align:center;cursor:pointer;transition:background .25s ease,transform .2s ease}
.rf-close:hover{background:rgba(255,255,255,.12);transform:scale(1.04)}


/* ===== Ultra-smooth Dynamic Island (full vanish on scroll) ===== */
#navbar{
  transition:transform .55s cubic-bezier(.25,1,.5,1),opacity .35s ease,width .55s cubic-bezier(.25,1,.5,1);
  will-change:transform,opacity,width;
}
#navbar.hidden{opacity:0;transform:translateX(-50%) translateY(-140%) !important;}
#navbar.expanded{width:min(1080px,92vw);}
#navbar .nav-inner{
  transform:translateZ(0) scale(.96);
  opacity:.92;
  transition:transform .8s cubic-bezier(.25,1,.5,1),opacity .8s ease;
  will-change:transform,opacity;
}
#navbar.expanded .nav-inner{transform:scale(1);opacity:1;}
#navbar .nav-links a{opacity:0;transform:translateY(8px);transition:opacity .45s ease,transform .6s cubic-bezier(.25,1,.5,1)}
#navbar.expanded .nav-links a.show{opacity:1;transform:translateY(0)}
@media(max-width:980px){#navbar{width:92%!important;}}


/* ===== Mobile Hamburger inside Dynamic Island ===== */
.nav-toggle{display:none;position:absolute;top:50%;right:18px;transform:translateY(-50%);width:28px;height:22px;border:none;background:transparent;cursor:pointer;z-index:1200}
.nav-toggle .bar{display:block;width:100%;height:2px;background:#c8b56e;margin:5px 0;transition:transform .35s ease,opacity .35s ease,background .35s ease}
.nav-toggle.active .bar:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-toggle.active .bar:nth-child(2){opacity:0}
.nav-toggle.active .bar:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

.mobile-nav-panel{display:none;position:absolute;left:0;right:0;top:100%;background:rgba(0,0,0,0.9);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);overflow:hidden;max-height:0;opacity:0;transition:max-height .6s cubic-bezier(0.25,1,0.5,1),opacity .4s ease;z-index:1100}
.mobile-nav-panel.active{display:block;max-height:420px;opacity:1}
.mobile-nav-panel a{display:block;color:#c8b56e;text-decoration:none;text-align:center;font-weight:600;padding:12px 10px;transition:color .25s ease}
.mobile-nav-panel a:hover{color:#ffdf91}

@media (max-width:980px){
  /* hide desktop links */
  .nav-links, .top-nav-right{display:none !important;}
  .nav-toggle{display:block;}
  /* keep the pill centered */
  #navbar{width:92% !important;}
}

/* Override: Center hero and footer text */
.hero p, .hero .hero-sub, .hero .hero-note {
    text-align: center !important;
}
footer, footer p {
    text-align: center !important;
}


/* === FAQ SECTION STYLING (Added) === */
.faq-section-container {
  width: 100%;
  padding: 80px 20px;
  background: #f8f7f3;
  display: flex;
  justify-content: center;
}
.faq-section {
  max-width: 1100px;
  background: #ffffff;
  border-radius: 16px;
  padding: 40px 50px;
  border: 1px solid #c8b56e;
  box-shadow: 0 8px 20px rgba(0,0,0,0.08);
}
.faq-section h4 {
  font-size: 14px;
  color: #777;
  letter-spacing: 1px;
  margin-bottom: 10px;
}
.faq-section h1 {
  font-size: 40px;
  margin-bottom: 18px;
  font-weight: 700;
  color: #000;
}
.brand-message {
  font-size: 16px;
  color: #333;
  line-height: 1.7;
  margin-bottom: 25px;
}
.faq-item {
  border: 1px solid #d6d4c5;
  border-radius: 10px;
  padding: 16px 20px;
  background: #fff;
  cursor: pointer;
  margin-bottom: 12px;
  transition: all .3s ease;
}
.faq-item h3 {
  font-size: 18px;
  color: #000;
  position: relative;
}
.faq-item h3::after {
  content: "+";
  position: absolute;
  right: 0;
  font-size: 22px;
  font-weight: 700;
  transition: .3s ease;
}
.faq-item.active h3::after {
  content: "−";
}
.faq-item p {
  display: none;
  margin-top: 10px;
  color: #555;
  line-height: 1.6;
}
.faq-item.active p {
  display: block;
}



/* ===== Raven Finance — Luxury Minimal Refinements ===== */
:root{
  --bg: #f6f6f6;
  --text: #0f0f10;
  --muted: rgba(15,15,16,.62);
  --accent: #c8b56e; /* soft gold */
  --accent-ink:#0b0b0b;
  --max-width: 1180px;
}

/* Typography polish */
body{
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  letter-spacing: 0.01em;
}

.section-title{
  font-weight: 700;
  line-height: 1.05;
}

/* Buttons: minimal, premium feel */
.btn-primary{
  background: var(--accent);
  color: var(--accent-ink);
  border: 1px solid rgba(0,0,0,.09);
  box-shadow: 0 8px 22px rgba(200,181,110,.18);
}
.btn-primary:hover{
  transform: translateY(-1px);
  box-shadow: 0 10px 28px rgba(200,181,110,.26);
}
.btn-secondary{
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.35);
}
.btn-secondary:hover{
  background: rgba(255,255,255,.16);
}

/* Cards + bubbles: reduce clutter, crisper borders */
#performance .left-bubble,
#performance .summary-bubble,
.timeline-card,
.why-card{
  background: #fff;
  border: 1px solid rgba(0,0,0,.06);
  box-shadow: 0 10px 28px rgba(0,0,0,.06);
}

/* Inputs: premium underline */
.metric-value{
  border-bottom: 1px solid rgba(0,0,0,.18);
}
.metric-value:focus{
  border-bottom-color: var(--accent);
}

/* Hero copy spacing on small screens */
@media (max-width: 600px){
  .hero-content{ padding-top: 140px; }
  .hero-title{ font-size: clamp(36px, 9.6vw, 60px); }
  .hero-sub{ font-size: 18px; }
}

/* Mobile nav pill keeps premium look */
@media (max-width: 980px){
  .top-nav{ border: 1px solid rgba(200,181,110,0.32); }
}

/* Images & video scale */
img, video{ max-width:100%; height:auto; }

/* CTA bubble hover */
.preapprove-bubble{
  background: var(--accent);
  color: var(--accent-ink);
  letter-spacing: .06em;
}
.preapprove-bubble:hover{
  background:#000;
  color: var(--accent);
}

/* Timeline hover color alignment */
.timeline-card:hover{
  background:#0f0f10;
  color:#fff;
  border-left-color:#0f0f10;
}

footer{
  color: rgba(0,0,0,.55);
}

/* === Enhanced Luxury Multi-step Popup === */
.preapprove-modal{position:fixed;top:0;left:0;width:100%;height:100%;background:rgba(0,0,0,.65);display:flex;justify-content:center;align-items:center;z-index:99999;padding:20px;}
.preapprove-modal-content{background:linear-gradient(145deg,#ffffff,#f7f6f2);padding:48px;border-radius:22px;max-width:520px;width:100%;position:relative;box-shadow:0 20px 45px rgba(0,0,0,.25);animation:popupGlow .45s ease;}
@keyframes popupGlow{0%{transform:scale(.88);opacity:0;}100%{transform:scale(1);opacity:1;}}
.preapprove-close{position:absolute;top:18px;right:24px;font-size:26px;cursor:pointer;color:#444;transition:.2s;}
.preapprove-close:hover{color:#000;transform:scale(1.1);}
.pa-step{display:none;animation:fade .35s;}
.active-step{display:flex;flex-direction:column;gap:14px;}
.pa-step h2{font-size:24px;color:#000;font-weight:700;margin-bottom:6px;}
.pa-step p{color:#5a5a5a;margin-bottom:6px;}
.pa-step input,.pa-step select{width:100%;padding:14px 16px;border-radius:10px;border:1px solid rgba(0,0,0,.18);background:#fff;font-size:15px;transition:.25s;}
.pa-step input:focus,.pa-step select:focus{border-color:#c8b56e;box-shadow:0 0 0 3px rgba(200,181,110,.25);outline:none;}
.pa-actions{display:flex;gap:12px;justify-content:flex-end;margin-top:6px;}
.next-btn,.back-btn,.submit-pa{padding:14px 18px;border-radius:12px;border:none;cursor:pointer;font-weight:700;font-size:15px;}
.next-btn{background:#c8b56e;color:#000;box-shadow:0 6px 16px rgba(200,181,110,.3);}
.next-btn:hover{background:#b7a05b;}
.back-btn{background:#e8e8e8;color:#000;}
.back-btn:hover{background:#dcdcdc;}
.submit-pa{background:#000;color:#c8b56e;box-shadow:0 6px 16px rgba(0,0,0,.3);}
.submit-pa:hover{background:#111;}
.pa-progress{width:100%;height:6px;background:#ececec;border-radius:10px;margin-bottom:16px;overflow:hidden;}
.pa-progress-inner{height:100%;width:33%;background:#c8b56e;transition:width .4s ease;}
.pa-note{font-size:12px;color:#7a7a7a;margin-top:10px;text-align:left;}
@media (max-width:520px){.preapprove-modal-content{padding:36px;border-radius:18px;}}


/* Migrated inline styles */

    /* Smooth luxury upward animation */
    .animate-up {
        opacity: 0;
        transform: translateY(28px);
        transition: all 0.8s ease;
    }
    .animate-up.show {
        opacity: 1;
        transform: translateY(0);
    }
    

/* ===== PRE-APPROVAL POPUP ===== */
.preapprove-modal{
  position:fixed; top:0; left:0; width:100%; height:100%;
  background:rgba(0,0,0,0.65); display:flex; justify-content:center;
  align-items:center; z-index:99999; padding:20px;
}
.preapprove-modal-content{
  background:#fff; padding:40px; border-radius:16px;
  max-width:480px; width:100%; box-shadow:0 10px 40px rgba(0,0,0,.25);
  animation:popUp 0.35s ease;
}
@keyframes popUp{0%{transform:scale(.85); opacity:0;}100%{transform:scale(1); opacity:1;}}
.preapprove-modal-content h2{color:#000; margin-bottom:6px; font-size:28px;}
.preapprove-modal-content p{color:#444; margin-bottom:22px;}
.preapprove-grid{
  display:grid; gap:14px; margin-bottom:26px;
}
.preapprove-grid input, .preapprove-grid select{
  width:100%; padding:12px 14px; border-radius:8px;
  border:1px solid rgba(0,0,0,.18); font-size:15px;
}
.submit-pa{
  width:100%; padding:14px; background:#c8b56e; color:#000;
  border:none; border-radius:10px; font-weight:600;
  cursor:pointer; transition:.3s;
}
.submit-pa:hover{background:#b49f5c;}
.preapprove-close{
  position:absolute; top:18px; right:22px; font-size:26px;
  cursor:pointer; color:#444;
}


.preapprove-modal{position:fixed;top:0;left:0;width:100%;height:100%;background:rgba(0,0,0,.65);display:flex;justify-content:center;align-items:center;z-index:99999;}
.preapprove-modal-content{background:#fff;padding:40px;border-radius:16px;max-width:420px;width:100%;position:relative;box-shadow:0 10px 40px rgba(0,0,0,.25);}
.pa-step{display:none;animation:fade .35s;}
.active-step{display:flex;flex-direction:column;gap:14px;}
.next-btn,.back-btn,.submit-pa{padding:12px;border-radius:10px;border:none;cursor:pointer;font-weight:600;}
.next-btn{background:#c8b56e;color:#000;}
.back-btn{background:#eee;}
.submit-pa{background:#000;color:#c8b56e;}


/* CLEAN HORIZONTAL MORTGAGE PROCESS TIMELINE */
.process-title {
  font-size: 42px;
  text-align: center;
  margin-bottom: 16px;
  font-weight: 700;
  color: #000;
}
.process-sub {
  text-align: center;
  max-width: 690px;
  margin: 0 auto 60px;
  color: rgba(0,0,0,.6);
  font-size: 18px;
}
.horizontal-timeline {
  position: relative;
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  padding: 40px 0;
  gap: 32px;
}
.timeline-track {
  position: absolute;
  top: 42px;
  left: 0;
  width: 100%;
  height: 4px;
  background: #c8b56e;
  z-index: 0;
}
.timeline-step {
  flex: 1;
  text-align: center;
  z-index: 2;
}
.timeline-circle {
  width: 70px;
  height: 70px;
  background: #c8b56e;
  border-radius: 50%;
  font-weight: 700;
  font-size: 22px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  box-shadow: 0 8px 16px rgba(0,0,0,0.12);
  transition: all 0.3s;
}
.timeline-step:hover .timeline-circle {
  background:#083819;
  color:#fff;
  transform:scale(1.08);
}
@media(max-width:990px){
  .horizontal-timeline{flex-direction:column; gap:50px;}
  .timeline-track{display:none;}
}


/* ===========================
   Premium Mortgage Journey
   =========================== */
.process-flow {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(230px,1fr));
  gap: 40px;
  justify-items: center;
  margin-top: 60px;
}

.process-step {
  background: #fff;
  border-radius: 22px;
  padding: 28px 26px 34px;
  text-align: center;
  border: 1px solid rgba(0,0,0,0.08);
  box-shadow: 0 10px 26px rgba(0,0,0,0.08);
  transition: all .35s ease;
  max-width: 260px;
}

.process-step:hover {
  transform: translateY(-6px);
  box-shadow: 0 16px 36px rgba(0,0,0,0.14);
}

.process-icon {
  width: 72px;
  height: 72px;
  background: #c8b56e;
  color: #000;
  font-weight: 700;
  font-size: 26px;
  border-radius: 50%;
  display:flex;
  align-items:center;
  justify-content:center;
  margin: 0 auto 18px;
  box-shadow: 0 8px 20px rgba(0,0,0,0.12);
  transition: all .3s ease;
}

.process-step:hover .process-icon {
  background:#083819;
  color:#fff;
  transform: scale(1.09);
}

.process-step h3 {
  font-size: 20px;
  margin-bottom: 10px;
  font-weight: 700;
}

.process-step p {
  font-size: 15px;
  line-height: 1.55;
  color: rgba(0,0,0,.7);
}

.process-title {
  font-size: 44px;
  font-weight: 700;
  text-align:center;
  color:#000;
}

.process-sub {
  text-align:center;
  max-width:720px;
  margin:0 auto;
  margin-top:12px;
  color:rgba(0,0,0,.65);
  font-size:18px;
  margin-bottom:50px;
}

/* Mobile */
@media(max-width:760px){
  .process-flow {
    grid-template-columns: 1fr;
  }
  .process-step {
    max-width: 320px;
    width:100%;
  }
}


/* ===== Enhanced Progress Arrows Between Steps ===== */
.process-flow {
  position: relative;
}

.process-step {
  position: relative;
}

.process-step::after {
  content: "\2192"; /* right arrow */
  font-size: 32px;
  font-weight: 700;
  color: #c8b56e;
  position: absolute;
  right: -28px;
  top: 50%;
  transform: translateY(-50%);
  opacity: 0.7;
}

.process-step:last-child::after {
  display: none;
}

/* Mobile: vertical arrows */
@media(max-width:760px){
  .process-step::after {
    content: "\2193"; /* down arrow */
    right: 50%;
    left: 50%;
    top: auto;
    bottom: -35px;
    transform: translateX(-50%);
  }
}


/* ===========================
   LUXURY CURVED MORTGAGE JOURNEY
   =========================== */

.curved-journey {
  position: relative;
  width: 100%;
  height: 420px;
  margin-top: 40px;
}

.curve-line {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
}
.curve-line path {
  fill: none;
  stroke: #c8b56e;
  stroke-width: 6;
  stroke-linecap: round;
  stroke-dasharray: 2400;
  stroke-dashoffset: 2400;
  animation: drawCurve 2.6s ease forwards;
}

@keyframes drawCurve {
  to { stroke-dashoffset: 0; }
}

.journey-step {
  position: absolute;
  width: 200px;
  text-align: center;
  transform: translate(-50%, -50%);
  animation: fadeUp 1s ease forwards;
  opacity: 0;
}

@keyframes fadeUp {
  0% { opacity:0; transform: translate(-50%, -20px); }
  100% { opacity:1; transform: translate(-50%, -50%); }
}

/* Positioning steps along the curve */
.step1 { top: 82%; left: 8%; animation-delay: .4s; }
.step2 { top: 28%; left: 28%; animation-delay: .7s; }
.step3 { top: 14%; left: 50%; animation-delay: 1s; }
.step4 { top: 28%; left: 72%; animation-delay: 1.3s; }
.step5 { top: 82%; left: 93%; animation-delay: 1.6s; }

.journey-icon {
  width: 74px;
  height: 74px;
  background: #c8b56e;
  color:#000;
  border-radius:50%;
  font-size:26px;
  font-weight:700;
  display:flex;
  justify-content:center;
  align-items:center;
  margin:0 auto 14px;
  box-shadow:0 10px 26px rgba(0,0,0,0.15);
  transition:all .35s;
}

.journey-step:hover .journey-icon {
  transform:scale(1.12);
  background:#083819;
  color:#fff;
}

.journey-step h3 {
  font-size:20px;
  font-weight:700;
  margin-bottom:6px;
}

.journey-step p {
  font-size:15px;
  color:rgba(0,0,0,.7);
  line-height:1.55;
}

/* Mobile optimized vertical curved layout */
@media(max-width:900px){
  .curved-journey {
    height: auto;
    display: flex;
    flex-direction: column;
    gap: 40px;
  }
  .curve-line { display:none; }
  .journey-step {
    position: relative;
    transform: none;
    opacity:1 !important;
    left: auto; top: auto;
    margin:auto;
  }
}


/* PREMIUM CURVED MORTGAGE JOURNEY — ADVANCED ANIMATION */

.curved-journey.improved {
  position: relative;
  width: 100%;
  height: 500px;
  margin-top: 60px;
}

/* Smooth gold curve */
.smooth-curve path {
  fill: none;
  stroke: #c8b56e;
  stroke-width: 8;
  stroke-linecap: round;
  stroke-dasharray: 2600;
  stroke-dashoffset: 2600;
  animation: drawSmoothCurve 3.2s ease-out forwards;
}

@keyframes drawSmoothCurve {
  to { stroke-dashoffset: 0; }
}

/* Step icons with floating motion */
.journey-icon {
  width: 80px;
  height: 80px;
  background: radial-gradient(circle, #e8d376, #c8b56e);
  color:#000;
  border-radius:50%;
  font-size:28px;
  font-weight:700;
  display:flex;
  justify-content:center;
  align-items:center;
  margin:0 auto 14px;
  box-shadow:0 14px 30px rgba(0,0,0,0.2);
  animation: floatPulse 3s ease-in-out infinite;
}

/* Floating / breathing */
@keyframes floatPulse {
  0% { transform: translateY(0) scale(1); }
  50% { transform: translateY(-10px) scale(1.08); }
  100% { transform: translateY(0) scale(1); }
}

/* Step fade-up */
.journey-step {
  position: absolute;
  width: 220px;
  text-align: center;
  transform: translate(-50%, -50%);
  opacity: 0;
  animation: fadeRise .9s ease forwards;
}

@keyframes fadeRise {
  0% { opacity:0; transform: translate(-50%, -20px); }
  100% { opacity:1; transform: translate(-50%, -50%); }
}

/* Stagger timings */
.step1 { top: 88%; left: 10%; animation-delay:.5s; }
.step2 { top: 40%; left: 28%; animation-delay:.9s; }
.step3 { top: 20%; left: 50%; animation-delay:1.3s; }
.step4 { top: 40%; left: 72%; animation-delay:1.7s; }
.step5 { top: 88%; left: 90%; animation-delay:2.1s; }

/* Step hover pop */
.journey-step:hover .journey-icon {
  transform: scale(1.18) !important;
  background:#083819;
  color:#fff;
  box-shadow:0 16px 40px rgba(0,0,0,0.25);
}

/* Title spacing */
.process-title { font-size:46px; font-weight:800; text-align:center; }
.process-sub { text-align:center; max-width:700px; margin:0 auto; opacity:.7; }

/* MOBILE */
@media(max-width:900px){
  .curved-journey.improved { height:auto; display:flex; flex-direction:column; gap:50px; }
  .smooth-curve { display:none; }
  .journey-step { position:relative; opacity:1 !important; transform:none; margin:auto; }
}


/* ============================
   P R E M I U M   J O U R N E Y
   ============================ */

.journey-wrap{
  position:relative;
  width:100%;
  height:520px;
  margin-top:64px;
  filter: drop-shadow(0 14px 36px rgba(0,0,0,.08));
}

/* Curve styling */
.journey-curve{
  position:absolute; inset:0;
}
.curve-base{
  fill:none;
  stroke:url(#goldGradient);
  stroke-width:9;
  stroke-linecap:round;
  opacity:.35;
}
.curve-progress{
  fill:none;
  stroke:url(#goldGradient);
  stroke-width:11;
  stroke-linecap:round;
  stroke-dasharray:2600;
  stroke-dashoffset:2600;
  filter: drop-shadow(0 8px 20px rgba(200,181,110,.35));
  animation: curveDraw 3.4s cubic-bezier(.22,.61,.36,1) forwards;
  animation-play-state: paused;
}

/* Moving glow "bead" travelling the path */
.curve-progress{
  stroke-linejoin:round;
}
@keyframes curveDraw{ to{ stroke-dashoffset:0; } }

/* Labels along the path */
.path-label{
  position:absolute;
  font-size:14px;
  letter-spacing:.08em;
  text-transform:uppercase;
  color:rgba(0,0,0,.55);
  background:#fff;
  border:1px solid rgba(0,0,0,.06);
  padding:6px 10px;
  border-radius:999px;
  box-shadow:0 6px 14px rgba(0,0,0,.06);
}
.path-label.start{ left:36px; bottom:80px; }
.path-label.finish{ right:36px; bottom:80px; }

/* Steps */
.journey-step{
  position:absolute;
  width:230px;
  text-align:center;
  transform: translate(-50%,-50%) scale(.96);
  opacity:0;
  transition: transform .55s ease, opacity .55s ease, filter .35s ease;
}
.journey-step h3{
  font-size:20px; font-weight:800; margin-bottom:6px; color:#000;
}
.journey-step p{
  font-size:15px; color:rgba(0,0,0,.72); line-height:1.6;
}

/* Number badge */
.badge{
  width:78px; height:78px; border-radius:50%;
  margin:0 auto 12px;
  display:flex; align-items:center; justify-content:center;
  font-weight:800; font-size:26px;
  color:#000;
  background: radial-gradient(circle at 30% 30%, #fff8cc, #e6d072 55%, #c8b56e 100%);
  box-shadow: 0 10px 28px rgba(0,0,0,.18), inset 0 2px 10px rgba(255,255,255,.6);
  transition: transform .35s ease, box-shadow .35s ease, background .35s ease;
  animation: floaty 5s ease-in-out infinite;
}
@keyframes floaty{
  0%,100%{ transform: translateY(0); }
  50%{ transform: translateY(-8px); }
}
.journey-step:hover .badge{
  transform: scale(1.08);
  background: radial-gradient(circle at 30% 30%, #f0f7f0, #0f4, #083819);
  color:#fff;
  box-shadow: 0 16px 36px rgba(0,0,0,.24);
}

/* Step positions along the bezier */
.step1{ left:10%; top:86%; }
.step2{ left:28%; top:42%; }
.step3{ left:50%; top:22%; }
.step4{ left:72%; top:42%; }
.step5{ left:90%; top:86%; }

/* Reveal sequence once section is in view */
.journey-wrap.animate .curve-progress{ animation-play-state: running; }
.journey-wrap.animate .journey-step{ opacity:1; transform: translate(-50%,-50%) scale(1); }
.journey-wrap.animate .step1{ transition-delay:.25s; }
.journey-wrap.animate .step2{ transition-delay:.5s; }
.journey-wrap.animate .step3{ transition-delay:.75s; }
.journey-wrap.animate .step4{ transition-delay:1s; }
.journey-wrap.animate .step5{ transition-delay:1.25s; }

/* Responsive */
@media(max-width:960px){
  .journey-wrap{ height:auto; display:flex; flex-direction:column; gap:34px; }
  .journey-curve{ display:none; }
  .path-label{ display:none; }
  .journey-step{ position:relative; transform:none; opacity:1; left:auto; top:auto; margin:0 auto; }
  .badge{ width:70px; height:70px; }
}


/* ===========================
   LINEAR PREMIUM TIMELINE
   =========================== */

.linear-journey {
  position: relative;
  width: 100%;
  margin-top: 80px;
  height: 320px;
}

.timeline-line {
  position:absolute;
  top: 50%;
  left: 5%;
  width: 90%;
  height: 6px;
  background: rgba(0,0,0,.15);
  border-radius: 10px;
  transform: translateY(-50%);
}

.timeline-progress {
  position:absolute;
  top: 50%;
  left: 5%;
  width: 0%;
  height: 6px;
  background: linear-gradient(to right, #e7d78a, #c8b56e, #a69159);
  border-radius: 10px;
  transform: translateY(-50%);
  animation: fillProgress 3s ease forwards;
}
@keyframes fillProgress {
  to { width: 90%; }
}

.timeline-step {
  position:absolute;
  width: 210px;
  text-align:center;
  transform: translateX(-50%) translateY(-140%);
  opacity:0;
  transition: opacity .5s ease, transform .5s ease;
}

.journey-wrap.animate .timeline-step,
.linear-journey.animate .timeline-step {
  opacity:1;
  transform: translateX(-50%) translateY(-160%);
}

.badge {
  width: 78px; height: 78px;
  border-radius:50%;
  background: radial-gradient(circle at 30% 30%, #fff8cc, #e6d072 55%, #c8b56e 100%);
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:26px;
  font-weight:800;
  color:#000;
  margin:0 auto 10px;
  box-shadow:0 10px 24px rgba(0,0,0,.2);
  transition:.3s;
}
.timeline-step:hover .badge {
  transform: scale(1.12);
  background:#083819;
  color:#fff;
}

/* STEP POSITIONS */
.lstep1 { left: 10%; }
.lstep2 { left: 30%; }
.lstep3 { left: 50%; }
.lstep4 { left: 70%; }
.lstep5 { left: 90%; }

/* CONNECTOR WORDS */
.connector-word {
  position:absolute;
  top: 55%;
  font-size:15px;
  color:#000;
  opacity:.65;
  text-transform:uppercase;
  font-weight:600;
}
.word1 { left:20%; }
.word2 { left:40%; }
.word3 { left:60%; }
.word4 { left:80%; }

/* MOBILE */
@media(max-width:900px){
  .linear-journey {
    height:auto;
    display:flex;
    flex-direction:column;
    gap:40px;
  }
  .timeline-line,
  .timeline-progress,
  .connector-word { display:none; }

  .timeline-step {
    position:relative;
    transform:none;
    opacity:1 !important;
    left:auto;
    margin:auto;
  }
}


/* === FIX OVERLAP: push timeline downward === */
.linear-journey {
  margin-top: 160px !important;   /* push entire bar downward */
  height: 380px !important;
}

.timeline-line,
.timeline-progress {
  top: 75% !important;    /* drop bar closer to bottom */
}

.connector-word {
  top: 82% !important;    /* place connector words below the bar */
}

.timeline-step {
  transform: translateX(-50%) translateY(-190%) !important;
}


/* === STRONGER FIX: push linear timeline far below steps === */
.linear-journey {
  margin-top: 260px !important;   /* drastically lower timeline */
  height: 420px !important;
}

.timeline-line,
.timeline-progress {
  top: 88% !important;    /* place bar close to bottom */
}

.connector-word {
  top: 94% !important;    /* place connector words under the bar */
}

.timeline-step {
  transform: translateX(-50%) translateY(-120%) !important; /* pull steps up */
}


/* === APPLYING USER REQUEST: B - 2 - H === */

/* Remove most of the gap so the timeline sits right below the steps */
.linear-journey {
  margin-top: 60px !important;
  height: 260px !important;
}

/* Move timeline bar up */
.timeline-line,
.timeline-progress {
  top: 68% !important;
}

/* Default connector words positioning */
.connector-word {
  top: 76% !important;
}

/* Additional connector words (more context between steps) */
.word1b { left: 25%; top: 86% !important; opacity:.65; }
.word2b { left: 45%; top: 86% !important; opacity:.65; }
.word3b { left: 65%; top: 86% !important; opacity:.65; }
.word4b { left: 85%; top: 86% !important; opacity:.65; }

/* Slow animation to 6 seconds (H) */
@keyframes fillProgress {
  to { width: 90%; }
}
.timeline-progress {
  animation: fillProgress 6s ease forwards !important;
}

/* Adjust step Y-position slightly to avoid overlap entirely */
.timeline-step {
  transform: translateX(-50%) translateY(-150%) !important;
}


/* ===========================
   CLEAN HORIZONTAL STEP LAYOUT
   =========================== */

.step-row {
  display:flex;
  justify-content:space-between;
  align-items:flex-start;
  margin-top:60px;
  flex-wrap:nowrap;
  gap:20px;
}

.step-card {
  width: 20%;
  text-align:center;
}

.badge {
  width:80px;
  height:80px;
  border-radius:50%;
  background: radial-gradient(circle at 30% 30%, #fff8cc, #e6d072 55%, #c8b56e 100%);
  display:flex;
  justify-content:center;
  align-items:center;
  font-size:26px;
  font-weight:800;
  color:#000;
  margin:0 auto 12px;
  box-shadow:0 10px 24px rgba(0,0,0,0.18);
  transition:.3s;
}

.step-card:hover .badge {
  transform:scale(1.1);
  background:#083819;
  color:#fff;
}

/* ===========================
   TIMELINE WITH GLOWING DOT
   =========================== */

.timeline-container {
  margin-top:80px;
  position:relative;
  width:100%;
  height:80px;
}

.timeline-base {
    width: 100%;
    height: 6px;
    background: #e6dcae;
    border-radius: 3px;
    position: relative;
    overflow: hidden;
}

.timeline-progress {
  position:absolute;
  top:50%;
  left:5%;
  width:0%;
  height:6px;
  background: linear-gradient(to right, #e7d78a, #c8b56e, #a69159);
  border-radius:10px;
  transform:translateY(-50%);
  animation: timelineFill 20s ease forwards;
}

@keyframes timelineFill { to { width:100%; } }
}

/* glowing dot moving along the bar */
.glow-dot {
    width: 18px;
    height: 18px;
    background: #083819;
    border-radius: 50%;
    position: absolute;
    top: 50%;
    left: 0;
    transform: translate(-50%, -50%);
    animation: moveDot 20s linear infinite;
    box-shadow: 0 0 14px #083819;
}

@keyframes dotMove {
  0% { left:5%; }
  100% { left:95%; }
}

/* Timeline labels */
.timeline-labels {
  display:flex;
  justify-content:space-between;
  width:90%;
  margin:20px auto 0;
  font-size:14px;
  opacity:.75;
  text-transform:uppercase;
  letter-spacing:.02em;
}

.timeline-labels div {
  width:25%;
  text-align:center;
}

/* Mobile */
@media(max-width:900px){
  .step-row {
    flex-wrap:wrap;
  }
  .step-card {
    width:45%;
    margin-bottom:30px;
  }
  .glow-dot, .timeline-progress, .timeline-base {
    width: 100%;
    height: 6px;
    background: #e6dcae;
    border-radius: 3px;
    position: relative;
    overflow: hidden;
}
  .timeline-labels {
    display:none;
  }
}


/* ===========================
   GLOBAL RIPPLE HOVER EFFECT
   =========================== */

button, .badge {
  position: relative;
  overflow: hidden;
}

button::after, .badge::after {
  content: "";
  position: absolute;
  width: 10px;
  height: 10px;
  background: rgba(200,181,110,0.45);
  border-radius: 50%;
  opacity: 0;
  transform: scale(1);
  pointer-events: none;
  transition: transform 0.6s ease, opacity 0.6s ease;
}

button:hover::after, .badge:hover::after {
  opacity: 1;
  transform: scale(18);
}

/* === FIXED TIKTOK HOVER EFFECT FOR SERVICES === */
.service-card {
  position: relative;
  overflow: hidden;
  transition: transform .4s ease, box-shadow .4s ease;
}
.service-card:hover {
  transform: scale(1.04);
  box-shadow: 0 20px 40px rgba(0,0,0,0.25);
}

.card-inner img {
  transition: filter .4s ease;
}
.service-card:hover .card-inner img {
  filter: blur(6px);
}

.card-overlay {
  position: absolute;
  inset: 0;
  background: rgba(0,0,0,0.45);
  backdrop-filter: blur(3px);
  opacity: 0;
  transition: opacity .4s ease;
}
.service-card:hover .card-overlay {
  opacity: 1;
}

.card-info {
  position: absolute;
  width: 100%;
  left: 0;
  bottom: -45%;
  padding: 20px;
  text-align: center;
  color: #fff;
  opacity: 0;
  transition: bottom .45s ease, opacity .45s ease;
}
.service-card:hover .card-info {
  bottom: 20px;
  opacity: 1;
}

.service-btn {
  margin-top: 10px;
  padding: 10px 20px;
  background: #fff;
  color: #000;
  font-weight: 600;
  border: none;
  border-radius: 6px;
  cursor: pointer;
  transition: background .3s ease, transform .3s ease;
}
.service-btn:hover {
  background: #e7d78a;
  transform: scale(1.05);
}



/* Ripple Hover Effect for Service Cards */
.service-card {
  position: relative;
  overflow: hidden;
}

.service-card::before {
  content: "";
  position: absolute;
  top: 50%;
  left: 50%;
  width: 0;
  height: 0;
  background: rgba(255,255,255,0.3);
  border-radius: 50%;
  transform: translate(-50%, -50%);
  opacity: 0;
}

.service-card:hover::before {
  animation: rippleExpand 20s ease-out forwards;
}

@keyframes rippleExpand {
  0% {
    width: 0;
    height: 0;
    opacity: 0.45;
  }
  100% {
    width: 350%;
    height: 350%;
    opacity: 0;
  }
}



/* HERO TITLE — 7rem SIZE */
.hero-content h1 { font-size: 6rem !important;
    font-weight: 800 !important;
    line-height: 1.05 !important;
    letter-spacing: -1px !important;
}



/* === 20 SECOND TIMELINE BASE ANIMATION === */
.timeline-base {
    width: 100%;
    height: 6px;
    background: #e6dcae;
    border-radius: 3px;
    position: relative;
    overflow: hidden;
}

.timeline-base::after {
    content: "";
    position: absolute;
    top: 0;
    left: 0;
    height: 100%;
    width: 0%;
    background: #e6d17c;
    animation: timelineFill 20s linear forwards;
}

@keyframes timelineFill {
    0%   { width: 0%; }
    100% { width: 100%; }
}

/* === ADDED PREMIUM TIMELINE + RIPPLE === */
.timeline-container {position: relative;width: 100%;margin: 80px auto 0;padding:40px 0;}
.timeline-base {
    width: 100%;
    height: 6px;
    background: #e6dcae;
    border-radius: 3px;
    position: relative;
    overflow: hidden;
}
.glow-dot {
    width: 18px;
    height: 18px;
    background: #083819;
    border-radius: 50%;
    position: absolute;
    top: 50%;
    left: 0;
    transform: translate(-50%, -50%);
    animation: moveDot 20s linear infinite;
    box-shadow: 0 0 14px #083819;
}
@keyframes moveDot {0%{left:0%;}100%{left:100%;}}
.service-card {position:relative;overflow:hidden;}
.service-card::after{content:"";position:absolute;inset:0;border-radius:inherit;background:radial-gradient(circle, rgba(200,181,110,0.25) 0%, transparent 60%);opacity:0;transform:scale(0.5);transition:opacity .4s ease, transform .4s ease;}
.service-card:hover::after{opacity:1;transform:scale(1.4);}
.service-card:hover{transform:translateY(-6px);transition:.3s ease;}


/* --- Hamburger button --- */
.hamburger{
  display:none;
  width:42px; height:36px;
  background: transparent; border:none; cursor:pointer;
  align-items:center; justify-content:center; gap:6px; flex-direction:column;
}
.hamburger span{ display:block; width:28px; height:3px; background:#fff; border-radius:3px; }
@media (max-width: 980px){
  .hamburger{ display:flex; }
  .nav-links{ display:none; }
}

/* --- Mobile menu panel --- */
.mobile-menu{ position:fixed; inset:0 0 0 auto; width:min(84vw,420px); background:rgba(0,0,0,.95);
  transform:translateX(100%); transition:transform .35s ease; z-index:9999; color:#c8b56e; }
.mobile-menu.active{ transform:translateX(0); }
.mobile-menu-inner{ padding:20px 28px; display:flex; flex-direction:column; gap:14px; }
.mobile-menu a{ color:#c8b56e; font-size:20px; font-weight:700; padding:10px 0; border-bottom:1px solid rgba(200,181,110,.15); }
.mobile-menu a:active{ opacity:.8; }
.mobile-menu-header{ display:flex; align-items:center; justify-content:space-between; margin-bottom:6px; }
.mobile-close{ background:transparent; border:none; color:#fff; font-size:28px; cursor:pointer; }
body.menu-open{ overflow:hidden; }


/* =========================
   ULTRA-RESPONSIVE MOBILE OVERRIDES
   Target: ≤ 480px
   Keeps layout the same, but scales down typography,
   paddings, and media so everything fits nicely.
   ========================= */
@media (max-width: 480px) {
  :root { --max-width: 94vw; }

  /* Global text sizing */
  body { font-size: 14px; }
  h1, .hero-title { font-size: clamp(28px, 8vw, 36px) !important; line-height: 1.05 !important; }
  h2, .section-title { font-size: clamp(20px, 6.4vw, 26px) !important; }
  h3 { font-size: clamp(16px, 5.5vw, 20px) !important; }
  p, .section-sub, .metric-note { font-size: 14px !important; }

  /* Dynamic-island / nav sizing */
  .top-nav { height: 64px !important; padding: 0 14px !important; }
  .top-nav-inner { padding: 0 14px !important; gap: 10px !important; }
  .top-nav-left img { height: 36px !important; max-height: 36px !important; }
  .hamburger { width: 36px; height: 32px; }
  .hamburger span { width: 24px; height: 2.5px; }

  /* Mobile menu links */
  .mobile-menu-inner { padding: 14px 18px; }
  .mobile-menu a { font-size: 18px; padding: 8px 0; }

  /* Hero */
  .hero { min-height: 84vh; }
  .hero video { object-position: center; }
  .hero-content { padding: 120px 14px 60px !important; }
  .hero-sub { font-size: 15px !important; }
  .hero-cta { gap: 10px !important; }
  .btn-primary, .btn-secondary { padding: 10px 16px !important; font-size: 14px !important; }
  .hero-note { font-size: 12px !important; }

  /* Sections wrapper */
  section.section { padding: 54px 14px 28px !important; }

  /* Partners block */
  .design-grid { grid-template-columns: 1fr !important; gap: 16px !important; }
  .design-img { min-height: 210px !important; border-radius: 16px !important; }

  /* Calculator / Performance */
  #performance { padding: 54px 14px 40px !important; }
  #performance .section-inner { grid-template-columns: 1fr !important; }
  #performance .perf-left, #performance .perf-right { padding: 20px 16px !important; }
  #performance .left-bubble, #performance .summary-bubble { padding: 16px !important; border-radius: 12px !important; }
  #performance .input-group { grid-template-columns: 1fr !important; gap: 10px !important; }
  #performance .metric-value { font-size: 14px !important; padding: 6px !important; }
  #performance .emi-row .view-btn { padding: 8px 12px !important; font-size: 13px !important; }
  #maxLoan { font-size: 18px !important; }

  /* Services */
  #services .services-text { flex: 1 1 100% !important; }
  #services .services-cards { grid-template-columns: 1fr 1fr !important; gap: 14px !important; }
  #services .service-card img { height: 160px !important; }
  #services .service-card div { font-size: 13px !important; padding: 8px 14px !important; bottom: 12px !important; }

  /* Process steps & timeline (keep same structure, smaller spacing) */
  .step-row { gap: 10px !important; margin-top: 30px !important; }
  .step-card { width: 100% !important; }
  .badge { width: 56px !important; height: 56px !important; font-size: 20px !important; }
  .timeline-container { transform: scale(.92); transform-origin: top center; }

  /* Modals */
  .modal-content { width: 92% !important; padding: 18px !important; }
  .modal-header h3 { font-size: 18px !important; }

  /* Pre-approve CTA */
  .preapprove-bubble { padding: 12px 18px !important; font-size: 14px !important; margin-top: 24px !important; }

  /* Footer */
  footer { padding: 28px 14px 46px !important; font-size: 12px !important; }
}

/* Slightly larger phones / small tablets portrait ≤ 640px */
@media (min-width: 481px) and (max-width: 640px) {
  h1, .hero-title { font-size: clamp(34px, 7.5vw, 44px) !important; }
  .hero-content { padding: 140px 16px 70px !important; }
  #services .service-card img { height: 180px !important; }
}


/* --- STRONGER MOBILE HERO TITLE FIX --- */
@media (max-width: 768px) {
  .hero-title {
    font-size: 26px !important;
    line-height: 1.05 !important;
    letter-spacing: -0.5px !important;
  }
}

@media (max-width: 480px) {
  .hero-title {
    font-size: 22px !important;
    line-height: 1.05 !important;
    letter-spacing: -0.5px !important;
  }
}


/* --- ULTRA MOBILE HERO TITLE FIX --- */
@media (max-width: 768px) {
  .hero-title {
    font-size: 20px !important;
    line-height: 1.05 !important;
    letter-spacing: -1px !important;
  }
}

@media (max-width: 480px) {
  .hero-title {
    font-size: 18px !important;
    line-height: 1.05 !important;
    letter-spacing: -1px !important;
  }
}


/* --- FINAL FIX: Override 7rem hero title on mobile --- */
@media (max-width: 768px) {
  .hero-content h1 {
    font-size: 28px !important;
    line-height: 1.1 !important;
    letter-spacing: -0.5px !important;
  }
}

@media (max-width: 480px) {
  .hero-content h1 {
    font-size: 24px !important;
    line-height: 1.1 !important;
    letter-spacing: -0.5px !important;
  }
}
.advisor-list {
  margin-top: 50px;
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.advisor-card {
  background: #fff;
  border-radius: 14px;
  border: 1px solid rgba(0,0,0,0.1);
  box-shadow: 0 6px 18px rgba(0,0,0,0.06);
  overflow: hidden;
  transition: all 0.3s ease;
}

.advisor-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 10px 24px rgba(0,0,0,0.1);
}

.advisor-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 18px 22px;
  cursor: pointer;
}

.advisor-info {
  display: flex;
  align-items: center;
  gap: 14px;
}

.advisor-photo {
  width: 62px;
  height: 62px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid #c8b56e;
  background: #eee;
}

.advisor-name {
  font-size: 20px;
  font-weight: 700;
  color: #000;
}

.advisor-toggle {
  font-size: 32px;
  font-weight: 700;
  color: #c8b56e;
  margin-left: 10px;
}

.advisor-details {
  padding: 0px 22px 22px 22px;
  display: none;
  animation: fadeDown 0.35s ease;
}

.advisor-details p {
  margin: 6px 0;
  font-size: 16px;
  color: #000;
}

.whatsapp-btn {
  display: inline-block;
  margin-top: 14px;
  padding: 12px 20px;
  background: #25D366;
  color: #fff !important;
  font-weight: 700;
  border-radius: 10px;
  text-decoration: none;
  transition: all 0.3s ease;
}

.whatsapp-btn:hover {
  background: #1da850;
}

@keyframes fadeDown {
  from {
    opacity: 0;
    transform: translateY(-6px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* MOBILE */
@media (max-width: 768px) {
  .advisor-card {
    border-radius: 12px;
  }

  .advisor-header {
    padding: 16px 18px;
  }

  .advisor-photo {
    width: 54px;
    height: 54px;
  }

  .advisor-name {
    font-size: 18px;
  }

  .advisor-details p {
    font-size: 15px;
  }
}
/* ------------------------------
   GLOBAL MOBILE FIXES
   Ensures every section stacks properly
   ------------------------------ */
@media (max-width: 768px) {

  /* UNIVERSAL SECTION FIX */
  section.section .section-inner {
    display: block !important;
    width: 100%;
  }

  /* PARTNERS */
  .design-grid {
    display: block !important;
  }
  .design-img {
    margin-top: 30px;
    min-height: 260px;
  }

  /* CALCULATOR */
  #performance .section-inner {
    grid-template-columns: 1fr !important;
    padding: 0 !important;
  }
  #performance .perf-left,
  #performance .perf-right {
    padding: 20px !important;
  }
  #performance .summary-bubble .perf-cols {
    grid-template-columns: 1fr !important;
  }

  /* SERVICE CARDS */
  .services-cards {
    grid-template-columns: 1fr !important;
  }

  /* OUR MORTGAGE PROCESS */
  .step-row {
    flex-direction: column !important;
    gap: 30px !important;
  }
  .timeline-container {
    transform: scale(0.9);
    margin-top: 20px;
  }

  /* FAQ + ADVISORS */
  #faq .section-inner {
    display: block !important;
  }
  .faq-left,
  .faq-right {
    width: 100% !important;
    padding: 20px !important;
    margin-bottom: 30px;
  }
  .advisor-card {
    width: 100% !important;
  }

  /* ENVIRONMENT BLOCK */
  .env-block {
    grid-template-columns: 1fr !important;
  }

  /* HERO FIX */
  .hero-title {
    font-size: 36px !important;
    line-height: 1.1;
  }
  .hero-sub {
    font-size: 16px !important;
  }
  .hero-content {
    padding-top: 140px !important;
  }
}

/* --- SAFETY: ensure sections are visible --- */
section { display: block; }
.section { display: block; }
.hero { display: block; min-height: 100vh; }
.reveal { opacity: 1; transform: none; } /* if JS fails, keep content visible */

/* Make sure overlays don't hide the page unless explicitly activated */
.rf-overlay { opacity: 0; visibility: hidden; pointer-events: none; }
.rf-overlay.active { pointer-events: all; }
/* FIX HERO CENTERING */
.hero {
    display: flex;
    align-items: center;
    justify-content: center;
    text-align: center;
    padding: 0 20px;
}

.hero .hero-content {
    max-width: 900px;
    margin: 0 auto;
    text-align: center !important;
}

.hero .hero-content h1,
.hero .hero-content p {
    text-align: center !important;
    margin-left: auto;
    margin-right: auto;
}

.hero-buttons {
    display: flex;
    justify-content: center;
    gap: 15px;
    margin-top: 20px;
}
/* Bigger Advisor Photos */
.advisor-photo {
    width: 150px !important;      /* increase from ~70–80px */
    height: 150px !important;
    border-radius: 50%;           /* keep circular */
    object-fit: cover;
    border: 3px solid #fff;       /* premium white ring */
    box-shadow: 0 4px 20px rgba(0,0,0,0.25);
}

/* Adjust card spacing for larger photos */
.advisor-header {
    padding: 20px 18px;
}

/* Optional: Space between photo + text */
.advisor-info {
    display: flex;
    align-items: center;
    gap: 18px;
}
/* Full photo only after toggle */
.advisor-full-photo {
    width: 100%;
    max-width: 350px;
    height: auto;
    border-radius: 16px;
    margin: 10px auto 20px auto;
    display: none; /* hide by default */
    object-fit: cover;
    box-shadow: 0 8px 25px rgba(0,0,0,0.25);
}

/* When advisor card is opened, show full image */
.advisor-details.show .advisor-full-photo {
    display: block;
} 

/* Image hover enlarge */
.service-card img:hover {
    transform: scale(1.08);
    transition: transform 0.35s ease;
}


/* Advisor photo hover enlarge */
.advisor-photo {
    transition: transform 0.35s ease;
}

.advisor-photo:hover {
    transform: scale(1.25);
}