/* ==========================================================================
   St. John Loans — Clean, professional redesign
   Single shared stylesheet for the full static site.
   ========================================================================== */

:root {
  /* Brand palette */
  --navy:        #0d2b45;
  --navy-800:    #123a5c;
  --navy-700:    #17588a;
  --blue:        #1f6feb;
  --blue-600:    #175fce;
  --gold:        #e0a72e;   /* primary CTA */
  --gold-600:    #c98f1c;
  --ink:         #16232f;
  --body:        #41525f;
  --muted:       #6b7a87;
  --line:        #e3e9ef;
  --line-2:      #eef2f6;
  --bg:          #ffffff;
  --bg-soft:     #f5f8fb;
  --bg-navy-soft:#eef4fa;
  --white:       #ffffff;
  --success:     #1f9d55;

  --radius:      14px;
  --radius-sm:   9px;
  --shadow-sm:   0 1px 2px rgba(13,43,69,.06), 0 1px 3px rgba(13,43,69,.08);
  --shadow-md:   0 4px 14px rgba(13,43,69,.09);
  --shadow-lg:   0 18px 48px rgba(13,43,69,.16);
  --maxw:        1180px;
  --font: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

/* Reset ------------------------------------------------------------------ */
* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--body);
  background: var(--bg);
  line-height: 1.65;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; }
h1, h2, h3, h4 { color: var(--ink); line-height: 1.2; margin: 0 0 .5em; font-weight: 750; letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 4.6vw, 3.15rem); }
h2 { font-size: clamp(1.55rem, 3vw, 2.15rem); }
h3 { font-size: 1.24rem; }
p { margin: 0 0 1.1em; }
.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 22px; }

/* Buttons ---------------------------------------------------------------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5em;
  font-weight: 700; font-size: 1rem; line-height: 1;
  padding: 15px 26px; border-radius: 999px; border: 2px solid transparent;
  cursor: pointer; transition: transform .12s ease, box-shadow .12s ease, background .15s ease, color .15s ease;
  text-align: center; white-space: nowrap;
}
.btn:hover { text-decoration: none; transform: translateY(-1px); }
.btn-primary { background: var(--gold); color: #3a2c05; box-shadow: var(--shadow-sm); }
.btn-primary:hover { background: var(--gold-600); color: #2c2103; }
.btn-navy { background: var(--navy-700); color: #fff; }
.btn-navy:hover { background: var(--navy-800); color: #fff; }
.btn-outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-ghost-light { background: rgba(255,255,255,.10); color: #fff; border-color: rgba(255,255,255,.55); }
.btn-ghost-light:hover { background: #fff; color: var(--navy); }
.btn-lg { padding: 17px 34px; font-size: 1.06rem; }
.btn-block { width: 100%; }

/* Top utility bar -------------------------------------------------------- */
.util-bar {
  background: var(--navy);
  color: #cfe0ee;
  font-size: .86rem;
}
.util-bar a { color: #eaf3fb; }
.util-bar .container { display: flex; align-items: center; justify-content: space-between; gap: 14px; min-height: 40px; flex-wrap: wrap; }
.util-bar .u-left { display: flex; gap: 20px; flex-wrap: wrap; align-items: center; }
.util-bar .u-item { display: inline-flex; gap: 7px; align-items: center; }
.util-bar .u-item svg { width: 15px; height: 15px; opacity: .85; }
.util-bar .u-right { display: flex; gap: 8px; align-items: center; }
.util-nmls { opacity: .7; }

/* Header / nav ----------------------------------------------------------- */
.site-header { position: sticky; top: 0; z-index: 60; background: rgba(255,255,255,.96); backdrop-filter: saturate(140%) blur(8px); border-bottom: 1px solid var(--line); }
.nav { display: flex; align-items: center; justify-content: space-between; min-height: 74px; gap: 18px; }
.brand { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
.brand a { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.brand .mark {
  width: 44px; height: 44px; border-radius: 11px; flex-shrink: 0;
  background: linear-gradient(150deg, var(--navy-700), var(--navy));
  color: #fff; display: grid; place-items: center; font-weight: 800; font-size: 1.15rem; letter-spacing: .5px;
  box-shadow: var(--shadow-sm);
}
.brand .b-name { color: var(--ink); font-weight: 800; font-size: 1.06rem; line-height: 1.1; }
.brand .b-sub { color: var(--muted); font-size: .74rem; font-weight: 600; letter-spacing: .04em; text-transform: uppercase; }

.menu { display: flex; align-items: center; gap: 2px; list-style: none; margin: 0; padding: 0; }
.menu > li { position: relative; }
.menu > li > a, .menu > li > button {
  display: inline-flex; align-items: center; gap: 4px;
  font: inherit; font-weight: 650; font-size: .93rem; color: var(--ink);
  background: none; border: 0; cursor: pointer; padding: 9px 11px; border-radius: 9px;
}
.menu > li > a:hover, .menu > li > button:hover { background: var(--bg-navy-soft); color: var(--navy); text-decoration: none; }
.menu .caret { width: 11px; height: 11px; transition: transform .15s ease; opacity: .7; }
.menu > li:hover .caret { transform: rotate(180deg); }

.dropdown {
  position: absolute; top: calc(100% + 8px); left: 0; min-width: 268px;
  background: #fff; border: 1px solid var(--line); border-radius: 14px; box-shadow: var(--shadow-lg);
  padding: 8px; opacity: 0; visibility: hidden; transform: translateY(6px);
  transition: opacity .16s ease, transform .16s ease, visibility .16s;
}
.menu > li:hover .dropdown, .menu > li:focus-within .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown a { display: block; padding: 9px 12px; border-radius: 8px; color: var(--body); font-size: .93rem; font-weight: 550; }
.dropdown a:hover { background: var(--bg-navy-soft); color: var(--navy); text-decoration: none; }
.dropdown a .d-desc { display: block; font-size: .78rem; color: var(--muted); font-weight: 450; margin-top: 1px; }

.nav-cta { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }
.nav-toggle { display: none; background: none; border: 1px solid var(--line); border-radius: 9px; width: 46px; height: 44px; cursor: pointer; align-items: center; justify-content: center; }
.nav-toggle svg { width: 24px; height: 24px; color: var(--navy); }

/* Hero ------------------------------------------------------------------- */
.hero {
  position: relative; color: #eaf2fa;
  background:
    radial-gradient(1100px 520px at 80% -10%, rgba(31,111,235,.16), transparent 60%),
    linear-gradient(102deg, rgba(11,37,60,.94) 0%, rgba(12,40,66,.86) 42%, rgba(19,62,98,.60) 100%),
    var(--hero-img, none) center 38%/cover no-repeat,
    linear-gradient(158deg, #0d2b45 0%, #123a5c 55%, #17588a 130%);
  overflow: hidden;
}
.hero::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background-image: radial-gradient(rgba(255,255,255,.045) 1px, transparent 1px);
  background-size: 22px 22px; opacity: .4;
}

/* Full-width lifestyle photo band */
.photo-band {
  position: relative; color: #fff; text-align: center;
  background:
    linear-gradient(rgba(11,32,52,.70), rgba(11,32,52,.74)),
    var(--band-img) center/cover no-repeat;
  padding: 92px 0;
}
.photo-band .eyebrow { color: #ffd98a; }
.photo-band h2 { color: #fff; max-width: 22ch; margin-left: auto; margin-right: auto; }
.photo-band p { color: #e4eef7; max-width: 58ch; margin: 0 auto 26px; font-size: 1.1rem; }
.photo-band .hero-ctas { justify-content: center; }

/* Framed editorial photo (about section) */
.about-media { position: relative; }
.about-media img {
  width: 100%; height: 100%; min-height: 320px; object-fit: cover;
  border-radius: var(--radius); box-shadow: var(--shadow-lg);
}
.about-media .cap {
  position: absolute; left: 18px; bottom: 18px; right: 18px;
  background: rgba(11,32,52,.82); color: #fff; padding: 12px 16px; border-radius: 10px;
  font-size: .86rem; backdrop-filter: blur(4px);
}
.about-media .cap b { color: #ffd98a; }
.hero .container { position: relative; z-index: 1; padding-top: 74px; padding-bottom: 78px; }
.hero-inner { display: grid; grid-template-columns: 1.12fr .88fr; gap: 54px; align-items: center; }
@media (max-width: 980px){ .hero-inner { grid-template-columns: 1fr; gap: 32px; } .hero-aside { display: none; } }
.hero-aside {
  background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.16);
  border-radius: 18px; padding: 26px 26px 24px; backdrop-filter: blur(6px); box-shadow: var(--shadow-lg);
}
.hero-aside h3 { color: #fff; font-size: 1.16rem; margin-bottom: 16px; }
.hero-aside ul { list-style: none; padding: 0; margin: 0 0 20px; display: grid; gap: 12px; }
.hero-aside ul li { position: relative; padding-left: 30px; color: #dbe8f4; font-size: .96rem; }
.hero-aside ul li::before {
  content: ""; position: absolute; left: 0; top: 2px; width: 20px; height: 20px; border-radius: 50%;
  background: rgba(224,167,46,.22) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%23ffd98a' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") center/12px no-repeat;
}
.hero-aside .aside-phone { display: block; margin-top: 4px; padding-top: 18px; border-top: 1px solid rgba(255,255,255,.16); font-size: .88rem; color: #a9c4da; }
.hero-aside .aside-phone a { color: #ffd98a; font-weight: 800; font-size: 1.28rem; display: block; margin-top: 2px; }
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 8px; font-size: .82rem; font-weight: 700;
  letter-spacing: .06em; text-transform: uppercase; color: #ffd98a;
  background: rgba(224,167,46,.12); border: 1px solid rgba(224,167,46,.32);
  padding: 7px 15px; border-radius: 999px; margin-bottom: 20px;
}
.hero h1 { color: #fff; max-width: 16ch; }
.hero .lede { font-size: 1.2rem; color: #c9dcec; max-width: 60ch; margin: 18px 0 30px; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 13px; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 26px 40px; margin-top: 44px; padding-top: 28px; border-top: 1px solid rgba(255,255,255,.14); }
.hero-trust .t { }
.hero-trust .t b { display: block; font-size: 1.7rem; color: #fff; font-weight: 800; line-height: 1; }
.hero-trust .t span { font-size: .86rem; color: #a9c4da; }

/* Breadcrumb ------------------------------------------------------------- */
.crumbs { background: var(--bg-soft); border-bottom: 1px solid var(--line); font-size: .84rem; }
.crumbs .container { padding-top: 11px; padding-bottom: 11px; }
.crumbs a { color: var(--muted); }
.crumbs span { color: var(--ink); font-weight: 600; }
.crumbs .sep { color: var(--line); margin: 0 8px; }

/* Sections --------------------------------------------------------------- */
main section { padding: 60px 0; }
main section.alt { background: var(--bg-soft); }
.section-head { max-width: 760px; margin-bottom: 34px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.eyebrow { display: inline-block; font-size: .8rem; font-weight: 750; letter-spacing: .08em; text-transform: uppercase; color: var(--navy-700); margin-bottom: 10px; }
.prose p { max-width: 72ch; }
.prose { font-size: 1.04rem; }
.lead-para { font-size: 1.18rem; color: var(--ink); font-weight: 500; max-width: 70ch; }

/* Content blocks */
.content-block { margin-bottom: 40px; }
.content-block:last-child { margin-bottom: 0; }
.content-block > h2, .content-block > h3 { margin-bottom: .55em; }

/* Feature list (bulleted content) */
.feature-list { list-style: none; padding: 0; margin: 1.1em 0 0; display: grid; gap: 12px; }
.feature-list li { position: relative; padding-left: 34px; color: var(--body); }
.feature-list li::before {
  content: ""; position: absolute; left: 0; top: 3px; width: 22px; height: 22px; border-radius: 50%;
  background: var(--bg-navy-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%2317588a' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") center/13px no-repeat;
}

/* Card grid (for option lists) */
.card-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 18px; margin-top: 8px; }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px 22px;
  box-shadow: var(--shadow-sm); transition: transform .14s ease, box-shadow .14s ease, border-color .14s;
}
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: #cfdcea; }
.card h3 { font-size: 1.1rem; margin-bottom: .4em; }
.card p { font-size: .96rem; margin: 0; color: var(--body); }
.card .card-ic { width: 42px; height: 42px; border-radius: 11px; background: var(--bg-navy-soft); color: var(--navy-700); display: grid; place-items: center; margin-bottom: 14px; font-weight: 800; }
.card a.card-link { display: inline-flex; align-items: center; gap: 5px; margin-top: 14px; font-weight: 700; font-size: .92rem; }

/* Two-column intro/CTA */
.split { display: grid; grid-template-columns: 1.15fr .85fr; gap: 44px; align-items: start; }
@media (max-width: 900px){ .split { grid-template-columns: 1fr; gap: 30px; } }

/* Side CTA card */
.cta-card {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-700) 120%); color: #dce9f4;
  border-radius: var(--radius); padding: 30px 28px; box-shadow: var(--shadow-md); position: sticky; top: 96px;
}
.cta-card h3 { color: #fff; }
.cta-card p { font-size: .96rem; color: #bcd2e5; }
.cta-card .btn { margin-top: 6px; }
.cta-card .btn + .btn { margin-top: 10px; }
.cta-card .phone-line { margin-top: 18px; padding-top: 16px; border-top: 1px solid rgba(255,255,255,.16); font-size: .9rem; }
.cta-card .phone-line a { color: #ffd98a; font-weight: 700; font-size: 1.1rem; }

/* FAQ -------------------------------------------------------------------- */
.faq { max-width: 860px; margin: 0 auto; }
.faq-item { border: 1px solid var(--line); border-radius: 12px; margin-bottom: 12px; background: #fff; overflow: hidden; }
.faq-q {
  width: 100%; text-align: left; background: none; border: 0; cursor: pointer;
  font: inherit; font-weight: 700; color: var(--ink); font-size: 1.04rem;
  padding: 18px 52px 18px 20px; position: relative;
}
.faq-q::after {
  content: "+"; position: absolute; right: 20px; top: 50%; transform: translateY(-50%);
  font-size: 1.5rem; font-weight: 400; color: var(--navy-700); transition: transform .18s ease;
}
.faq-item.open .faq-q::after { content: "\2212"; }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .24s ease; }
.faq-a-inner { padding: 0 20px 18px; color: var(--body); font-size: .99rem; }
.faq-item.open .faq-a { max-height: 640px; }

/* Big CTA band ----------------------------------------------------------- */
.cta-band { background: linear-gradient(155deg, var(--navy), var(--navy-700)); color: #fff; text-align: center; }
.cta-band h2 { color: #fff; }
.cta-band p { color: #c6d9ea; max-width: 60ch; margin: 0 auto 26px; font-size: 1.08rem; }
.cta-band .hero-ctas { justify-content: center; }

/* Lead form -------------------------------------------------------------- */
.lead {
  background:
    radial-gradient(700px 380px at 90% 0%, rgba(31,111,235,.18), transparent 60%),
    linear-gradient(160deg, #0d2b45, #123a5c);
  color: #dbe8f4;
}
.lead-grid { display: grid; grid-template-columns: .95fr 1.05fr; gap: 46px; align-items: center; }
@media (max-width: 860px){ .lead-grid { grid-template-columns: 1fr; gap: 30px; } }
.lead h2 { color: #fff; }
.lead p { color: #c2d6e7; }
.lead ul { list-style: none; padding: 0; margin: 20px 0 0; display: grid; gap: 11px; }
.lead ul li { position: relative; padding-left: 30px; color: #d7e6f2; }
.lead ul li::before { content: "\2713"; position: absolute; left: 0; color: var(--gold); font-weight: 800; }
.form-card { background: #fff; border-radius: 16px; padding: 28px 26px; box-shadow: var(--shadow-lg); }
.form-card h3 { color: var(--ink); margin-bottom: 4px; }
.form-card .fc-sub { color: var(--muted); font-size: .92rem; margin-bottom: 18px; }
.field { margin-bottom: 14px; }
.field label { display: block; font-size: .84rem; font-weight: 650; color: var(--ink); margin-bottom: 5px; }
.field input, .field select, .field textarea {
  width: 100%; padding: 12px 14px; border: 1px solid var(--line); border-radius: 10px;
  font: inherit; font-size: .98rem; color: var(--ink); background: #fff; transition: border-color .14s, box-shadow .14s;
}
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(31,111,235,.14); }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
@media (max-width: 480px){ .field-row { grid-template-columns: 1fr; } }
.form-card .fineprint { font-size: .76rem; color: var(--muted); margin-top: 12px; }
.form-note { font-size: .78rem; color: var(--muted); background: var(--bg-soft); border: 1px dashed var(--line); border-radius: 8px; padding: 9px 12px; margin-top: 14px; }

/* Related links ---------------------------------------------------------- */
.related { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 10px; }
.related a { display: inline-flex; align-items: center; gap: 6px; padding: 9px 15px; border: 1px solid var(--line); border-radius: 999px; font-size: .9rem; font-weight: 600; color: var(--navy); background: #fff; }
.related a:hover { background: var(--bg-navy-soft); text-decoration: none; border-color: #cfdcea; }

/* Footer ----------------------------------------------------------------- */
.site-footer { background: var(--navy); color: #b9cbdb; font-size: .92rem; padding: 56px 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 34px; }
@media (max-width: 900px){ .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px; } }
@media (max-width: 520px){ .footer-grid { grid-template-columns: 1fr; } }
.site-footer h4 { color: #fff; font-size: .82rem; letter-spacing: .07em; text-transform: uppercase; margin-bottom: 14px; }
.site-footer a { color: #b9cbdb; }
.site-footer a:hover { color: #fff; text-decoration: none; }
.footer-links { list-style: none; padding: 0; margin: 0; display: grid; gap: 9px; }
.footer-brand .mark { width: 46px; height: 46px; border-radius: 11px; background: linear-gradient(150deg, var(--navy-700), #1c6ba6); color: #fff; display: grid; place-items: center; font-weight: 800; margin-bottom: 14px; }
.footer-brand p { font-size: .9rem; color: #a7bccd; max-width: 34ch; }
.footer-contact { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.footer-contact li { display: flex; gap: 10px; align-items: flex-start; }
.footer-contact svg { width: 17px; height: 17px; flex-shrink: 0; margin-top: 3px; opacity: .8; }
.footer-bottom { margin-top: 46px; border-top: 1px solid rgba(255,255,255,.12); padding: 22px 0; font-size: .8rem; color: #8ba4b8; }
.footer-bottom .container { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
.disclaimer { background: #0a2338; color: #7b93a8; font-size: .76rem; padding: 20px 0; line-height: 1.6; }
.disclaimer .container { max-width: var(--maxw); }

/* Floating mobile action bar --------------------------------------------- */
.mobile-bar { display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 70; background: #fff; border-top: 1px solid var(--line); box-shadow: 0 -4px 18px rgba(13,43,69,.12); padding: 9px 12px; gap: 9px; }
.mobile-bar .btn { flex: 1; padding: 13px; font-size: .95rem; }

/* Mobile nav ------------------------------------------------------------- */
@media (max-width: 1040px) {
  .menu, .nav-cta .btn { display: none; }
  .nav-toggle { display: inline-flex; }
  .site-nav-mobile {
    position: fixed; inset: 0 0 0 auto; width: min(360px, 86vw); background: #fff; z-index: 90;
    transform: translateX(100%); transition: transform .24s ease; box-shadow: var(--shadow-lg);
    overflow-y: auto; padding: 20px 18px 40px;
  }
  body.menu-open .site-nav-mobile { transform: translateX(0); }
  body.menu-open .nav-scrim { opacity: 1; visibility: visible; }
}
.nav-scrim { position: fixed; inset: 0; background: rgba(9,24,38,.5); z-index: 85; opacity: 0; visibility: hidden; transition: opacity .2s; }
.site-nav-mobile { display: none; }
@media (max-width: 1040px){ .site-nav-mobile { display: block; } }
.mnav-head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 12px; }
.mnav-close { background: none; border: 0; font-size: 1.8rem; line-height: 1; cursor: pointer; color: var(--muted); }
.mnav-group { border-bottom: 1px solid var(--line-2); }
.mnav-group > button {
  width: 100%; text-align: left; background: none; border: 0; font: inherit; font-weight: 700; color: var(--ink);
  padding: 14px 4px; cursor: pointer; display: flex; justify-content: space-between; align-items: center;
}
.mnav-group > button .caret { width: 13px; transition: transform .18s; }
.mnav-group.open > button .caret { transform: rotate(180deg); }
.mnav-sub { max-height: 0; overflow: hidden; transition: max-height .24s ease; }
.mnav-group.open .mnav-sub { max-height: 800px; }
.mnav-sub a { display: block; padding: 9px 4px 9px 14px; color: var(--body); font-size: .95rem; }
.mnav-single { display: block; padding: 14px 4px; font-weight: 700; color: var(--ink); border-bottom: 1px solid var(--line-2); }
.mnav-cta { margin-top: 18px; display: grid; gap: 10px; }

@media (max-width: 1040px){ .mobile-bar { display: flex; } body { padding-bottom: 64px; } }
@media (max-width: 640px){
  .hero .container { padding-top: 52px; padding-bottom: 56px; }
  main section { padding: 46px 0; }
  .util-bar .u-left .u-item.hide-sm { display: none; }
}

/* Utilities */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); border: 0; }

/* ===== Co-branded logo lockup (header) ===== */
.brand-lockup { display: flex; align-items: center; gap: 13px; text-decoration: none; }
.brand-lockup:hover { text-decoration: none; }
.bl-text { display: flex; flex-direction: column; line-height: 1.05; }
.brand-lockup .b-name { color: var(--ink); font-weight: 800; font-size: 1.1rem; letter-spacing: -.01em; }
.brand-lockup .b-sub { color: var(--muted); font-size: .7rem; font-weight: 600; letter-spacing: .03em; text-transform: uppercase; margin-top: 3px; }
.bl-powered { display: flex; flex-direction: column; align-items: flex-start; gap: 3px; padding-left: 13px; border-left: 1px solid var(--line); }
.bl-powered .pw { font-size: .58rem; text-transform: uppercase; letter-spacing: .07em; color: var(--muted); font-weight: 700; }
.bl-barrett { height: 25px; width: auto; display: block; }
@media (max-width: 560px){ .bl-powered { display: none; } }

/* ===== Footer "Powered by" ===== */
.footer-powered { margin-top: 18px; }
.footer-powered .pw { display: block; font-size: .64rem; text-transform: uppercase; letter-spacing: .09em; color: #8fa8bd; font-weight: 700; margin-bottom: 7px; }
.footer-barrett { height: 34px; width: auto; }

/* ===== Equal Housing marks in disclaimer ===== */
.disclaimer-inner { display: flex; align-items: center; gap: 20px; }
.disclaimer-inner .eho-mark { height: 40px; width: auto; flex-shrink: 0; opacity: .92; }
.disclaimer-inner p { margin: 0; }
@media (max-width: 600px){ .disclaimer-inner { flex-direction: column; align-items: flex-start; gap: 14px; } }

/* ===== Icon cards (homepage explore) ===== */
.card-ic svg { width: 26px; height: 26px; }
.feature-card .card-ic { width: 54px; height: 54px; border-radius: 14px;
  background: linear-gradient(150deg, var(--bg-navy-soft), #dae7f6); color: var(--navy-700); }
.feature-card { border-top: 3px solid transparent; }
.feature-card:hover { border-top-color: var(--gold); }

/* ===== About Robert (headshot) ===== */
.about-pro { display: grid; grid-template-columns: .82fr 1.18fr; gap: 50px; align-items: center; }
@media (max-width: 860px){ .about-pro { grid-template-columns: 1fr; gap: 30px; } }
.about-photo-wrap { position: relative; }
.about-photo-wrap::after { content: ""; position: absolute; right: -16px; top: -16px; width: 130px; height: 130px; z-index: 0;
  background-image: radial-gradient(var(--gold) 2px, transparent 2.4px); background-size: 15px 15px; opacity: .55; border-radius: 8px; }
.about-headshot { position: relative; z-index: 1; width: 100%; border-radius: 18px; box-shadow: var(--shadow-lg); display: block; }
.about-badge { position: absolute; z-index: 2; left: 16px; bottom: 16px; background: rgba(11,32,52,.9);
  backdrop-filter: blur(5px); color: #fff; padding: 11px 16px; border-radius: 12px; box-shadow: var(--shadow-md); }
.about-badge .ab-name { display: block; font-weight: 800; font-size: 1rem; }
.about-badge .ab-sub { display: block; font-size: .75rem; color: #cfe0ee; margin-top: 2px; }
.about-chips { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 22px; }
.chip { display: inline-flex; align-items: center; gap: 7px; background: #fff; border: 1px solid var(--line);
  border-radius: 999px; padding: 8px 15px; font-size: .88rem; font-weight: 650; color: var(--navy); box-shadow: var(--shadow-sm); }
.chip svg { width: 15px; height: 15px; color: var(--gold); }

/* ===== How it works (steps) ===== */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
@media (max-width: 820px){ .steps { grid-template-columns: 1fr; } }
.step { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px 24px; box-shadow: var(--shadow-sm); }
.step-ic { width: 54px; height: 54px; border-radius: 14px; display: grid; place-items: center;
  background: linear-gradient(150deg, var(--navy), var(--navy-700)); color: #fff; margin-bottom: 15px; }
.step-ic svg { width: 26px; height: 26px; }
.step-n { font-size: .72rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; color: var(--gold-600); }
.step h3 { margin: .35em 0 .4em; font-size: 1.16rem; }
.step p { margin: 0; font-size: .97rem; }

/* ===== Reviews band ===== */
.reviews-band { background: linear-gradient(155deg, var(--navy), var(--navy-700)); color: #fff; text-align: center; }
.reviews-band h2 { color: #fff; max-width: 26ch; margin: 10px auto .45em; }
.reviews-band p { color: #c6d9ea; max-width: 56ch; margin: 0 auto 24px; font-size: 1.06rem; }
.reviews-stars { display: inline-flex; gap: 6px; color: var(--gold); }
.reviews-stars svg { width: 26px; height: 26px; }

/* ===== Review / testimonial cards ===== */
.review-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin: 10px 0 30px; text-align: left; }
@media (max-width: 860px){ .review-grid { grid-template-columns: 1fr; } }
.review-card { background: #fff; border-radius: 14px; padding: 24px 22px; box-shadow: var(--shadow-md); margin: 0; display: flex; flex-direction: column; }
.review-stars { display: flex; gap: 3px; color: var(--gold); margin-bottom: 12px; }
.review-stars svg { width: 18px; height: 18px; }
.review-card blockquote { margin: 0 0 18px; color: var(--body); font-size: .96rem; line-height: 1.6; }
.review-card figcaption { display: flex; align-items: center; gap: 12px; margin-top: auto; }
.rv-avatar { width: 40px; height: 40px; border-radius: 50%; background: linear-gradient(150deg, var(--navy-700), var(--navy)); color: #fff; display: grid; place-items: center; font-weight: 800; flex-shrink: 0; }
.rv-meta { display: flex; flex-direction: column; line-height: 1.25; }
.rv-name { font-weight: 700; color: var(--ink); font-size: .95rem; }
.rv-when { font-size: .78rem; color: var(--muted); }

/* ===== Licensing table ===== */
.lic-table-wrap { overflow-x: auto; margin: 8px 0 12px; border: 1px solid var(--line); border-radius: 12px; }
.lic-table { width: 100%; border-collapse: collapse; font-size: .95rem; }
.lic-table th, .lic-table td { text-align: left; padding: 12px 16px; border-bottom: 1px solid var(--line); }
.lic-table thead th { background: var(--bg-navy-soft); color: var(--navy); font-size: .74rem; text-transform: uppercase; letter-spacing: .05em; }
.lic-table tbody tr:last-child td { border-bottom: 0; }
.lic-table tbody tr:nth-child(even) { background: var(--bg-soft); }
.lic-table td:last-child { font-weight: 700; color: var(--ink); white-space: nowrap; }
.lic-note { font-size: .88rem; color: var(--muted); }

/* Disclosure links on dark footer strip */
.disclaimer a { color: #9fc3e6; text-decoration: underline; }
.disclaimer a:hover { color: #fff; }