/* ========================================
   1st Franklin Financial - Main Stylesheet
   Mobile-First Responsive Design
   ======================================== */

/* CSS Variables */
:root {
  --primary-color: #1a4d2e;
  --primary-dark: #0d3320;
  --secondary-color: #f5a623;
  --accent-color: #2d6a4f;
  --text-dark: #1a1a1a;
  --text-light: #555555;
  --text-muted: #777777;
  --bg-light: #f8f9fa;
  --bg-cream: #faf8f5;
  --white: #ffffff;
  --border-color: #e0e0e0;
  --success-color: #28a745;
  --shadow-sm: 0 2px 4px rgba(0,0,0,0.08);
  --shadow-md: 0 4px 12px rgba(0,0,0,0.12);
  --shadow-lg: 0 8px 24px rgba(0,0,0,0.15);
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --transition: all 0.3s ease;
}

/* Reset & Base */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-size: 16px;
  scroll-behavior: smooth;
}

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  line-height: 1.6;
  color: var(--text-dark);
  background-color: var(--white);
  -webkit-font-smoothing: antialiased;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: var(--primary-color);
  text-decoration: none;
  transition: var(--transition);
}

a:hover {
  color: var(--secondary-color);
}

/* Typography */
h1, h2, h3, h4, h5, h6 {
  font-weight: 700;
  line-height: 1.2;
  color: var(--text-dark);
  margin-bottom: 1rem;
}

h1 { font-size: 1.875rem; }
h2 { font-size: 1.5rem; }
h3 { font-size: 1.25rem; }
h4 { font-size: 1.125rem; }

p {
  margin-bottom: 1rem;
  color: var(--text-light);
}

/* Container */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1rem;
}

/* ========================================
   Header & Navigation
   ======================================== */
.top-bar {
  background: var(--primary-dark);
  color: var(--white);
  padding: 0.5rem 0;
  font-size: 0.8rem;
}

.top-bar-content {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.5rem;
}

.top-bar a {
  color: var(--white);
}

.top-bar-trust {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.trust-badge {
  display: flex;
  align-items: center;
  gap: 0.25rem;
  font-size: 0.75rem;
}

.header {
  background: var(--white);
  box-shadow: var(--shadow-sm);
  position: sticky;
  top: 0;
  z-index: 1000;
}

.header-content {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1rem;
}

.logo {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.logo-icon {
  width: 40px;
  height: 40px;
  background: var(--primary-color);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-weight: bold;
  font-size: 1rem;
}

.logo-text {
  font-size: 1rem;
  font-weight: 700;
  color: var(--primary-color);
  line-height: 1.1;
}

.logo-text span {
  display: block;
  font-size: 0.65rem;
  font-weight: 400;
  color: var(--text-muted);
}

/* Mobile Menu Toggle */
.menu-toggle {
  display: flex;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.5rem;
}

.menu-toggle span {
  width: 25px;
  height: 3px;
  background: var(--primary-color);
  border-radius: 2px;
  transition: var(--transition);
}

/* Navigation */
.nav {
  position: fixed;
  top: 0;
  left: -100%;
  width: 85%;
  max-width: 320px;
  height: 100vh;
  background: var(--white);
  box-shadow: var(--shadow-lg);
  transition: left 0.3s ease;
  z-index: 1001;
  overflow-y: auto;
}

.nav.active {
  left: 0;
}

.nav-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1rem;
  border-bottom: 1px solid var(--border-color);
}

.nav-close {
  background: none;
  border: none;
  font-size: 1.5rem;
  cursor: pointer;
  color: var(--text-dark);
}

.nav-menu {
  list-style: none;
  padding: 1rem 0;
}

.nav-item {
  border-bottom: 1px solid var(--border-color);
}

.nav-link {
  display: block;
  padding: 1rem;
  color: var(--text-dark);
  font-weight: 500;
}

.nav-link:hover {
  background: var(--bg-light);
  color: var(--primary-color);
}

.nav-dropdown {
  background: var(--bg-light);
  display: none;
}

.nav-dropdown.active {
  display: block;
}

.nav-dropdown a {
  display: block;
  padding: 0.75rem 1rem 0.75rem 2rem;
  color: var(--text-light);
  font-size: 0.9rem;
}

.has-dropdown > .nav-link::after {
  content: '▼';
  float: right;
  font-size: 0.7rem;
  transition: var(--transition);
}

.has-dropdown.open > .nav-link::after {
  transform: rotate(180deg);
}

.nav-overlay {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(0,0,0,0.5);
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
  z-index: 1000;
}

.nav-overlay.active {
  opacity: 1;
  visibility: visible;
}

/* Header CTA */
.header-cta {
  display: none;
}

/* ========================================
   Buttons
   ======================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.875rem 1.5rem;
  font-size: 1rem;
  font-weight: 600;
  border-radius: var(--radius-sm);
  border: none;
  cursor: pointer;
  transition: var(--transition);
  text-align: center;
}

.btn-primary {
  background: var(--secondary-color);
  color: var(--text-dark);
}

.btn-primary:hover {
  background: #e09000;
  color: var(--text-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-secondary {
  background: var(--primary-color);
  color: var(--white);
}

.btn-secondary:hover {
  background: var(--primary-dark);
  color: var(--white);
}

.btn-outline {
  background: transparent;
  border: 2px solid var(--primary-color);
  color: var(--primary-color);
}

.btn-outline:hover {
  background: var(--primary-color);
  color: var(--white);
}

.btn-white {
  background: var(--white);
  color: var(--primary-color);
}

.btn-white:hover {
  background: var(--bg-light);
  color: var(--primary-color);
}

.btn-lg {
  padding: 1rem 2rem;
  font-size: 1.1rem;
}

.btn-sm {
  padding: 0.5rem 1rem;
  font-size: 0.875rem;
}

.btn-block {
  width: 100%;
}

/* ========================================
   Hero Section
   ======================================== */
.hero {
  background: linear-gradient(135deg, var(--primary-color) 0%, var(--accent-color) 100%);
  color: var(--white);
  padding: 3rem 0;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: 0;
  right: 0;
  width: 100%;
  height: 100%;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.05'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  opacity: 0.5;
}

.hero-content {
  position: relative;
  z-index: 1;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(255,255,255,0.15);
  padding: 0.5rem 1rem;
  border-radius: 50px;
  font-size: 0.85rem;
  margin-bottom: 1.5rem;
}

.hero h1 {
  color: var(--white);
  font-size: 2rem;
  margin-bottom: 1rem;
}

.hero-subtitle {
  font-size: 1.1rem;
  opacity: 0.9;
  margin-bottom: 1.5rem;
  color: var(--white);
}

.hero-features {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 2rem;
}

.hero-feature {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.9rem;
}

.hero-feature svg {
  color: var(--secondary-color);
}

.hero-buttons {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.hero-image {
  margin-top: 2rem;
  text-align: center;
}

.hero-image img {
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
}

/* ========================================
   Trust Indicators
   ======================================== */
.trust-section {
  background: var(--bg-cream);
  padding: 2rem 0;
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
}

.trust-item {
  text-align: center;
  padding: 1rem;
}

.trust-icon {
  width: 50px;
  height: 50px;
  margin: 0 auto 0.75rem;
  background: var(--primary-color);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
}

.trust-item h4 {
  font-size: 1.5rem;
  color: var(--primary-color);
  margin-bottom: 0.25rem;
}

.trust-item p {
  font-size: 0.85rem;
  color: var(--text-muted);
  margin: 0;
}

/* ========================================
   Sections
   ======================================== */
.section {
  padding: 3rem 0;
}

.section-header {
  text-align: center;
  margin-bottom: 2rem;
}

.section-header h2 {
  color: var(--primary-color);
  margin-bottom: 0.5rem;
}

.section-header p {
  max-width: 600px;
  margin: 0 auto;
}

.section-light {
  background: var(--bg-light);
}

.section-cream {
  background: var(--bg-cream);
}

/* ========================================
   Cards
   ======================================== */
.card {
  background: var(--white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  overflow: hidden;
  transition: var(--transition);
}

.card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}

.card-image {
  width: 100%;
  height: 200px;
  object-fit: cover;
}

.card-body {
  padding: 1.5rem;
}

.card-title {
  font-size: 1.1rem;
  margin-bottom: 0.5rem;
}

.card-text {
  font-size: 0.9rem;
  color: var(--text-light);
  margin-bottom: 1rem;
}

/* Service Cards */
.services-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}

.service-card {
  display: flex;
  flex-direction: column;
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  box-shadow: var(--shadow-sm);
  border-left: 4px solid var(--primary-color);
  transition: var(--transition);
}

.service-card:hover {
  box-shadow: var(--shadow-md);
  border-left-color: var(--secondary-color);
}

.service-icon {
  width: 60px;
  height: 60px;
  background: linear-gradient(135deg, var(--primary-color), var(--accent-color));
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
  color: var(--white);
  font-size: 1.5rem;
}

.service-card h3 {
  font-size: 1.1rem;
  margin-bottom: 0.5rem;
}

.service-card p {
  font-size: 0.9rem;
  flex-grow: 1;
}

/* ========================================
   How It Works
   ======================================== */
.steps {
  display: flex;
  flex-direction: column;
  gap: 2rem;
}

.step {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
}

.step-number {
  width: 50px;
  height: 50px;
  min-width: 50px;
  background: var(--primary-color);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  font-weight: 700;
}

.step-content h3 {
  font-size: 1.1rem;
  margin-bottom: 0.25rem;
}

.step-content p {
  font-size: 0.9rem;
  margin: 0;
}

/* ========================================
   Testimonials
   ======================================== */
.testimonials-slider {
  overflow-x: auto;
  scroll-snap-type: x mandatory;
  -webkit-overflow-scrolling: touch;
  padding-bottom: 1rem;
}

.testimonials-track {
  display: flex;
  gap: 1rem;
}

.testimonial-card {
  min-width: 85%;
  scroll-snap-align: start;
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  box-shadow: var(--shadow-sm);
}

.testimonial-stars {
  color: var(--secondary-color);
  margin-bottom: 1rem;
}

.testimonial-text {
  font-style: italic;
  color: var(--text-light);
  margin-bottom: 1rem;
  font-size: 0.95rem;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.testimonial-avatar {
  width: 50px;
  height: 50px;
  border-radius: 50%;
  object-fit: cover;
}

.testimonial-info h4 {
  font-size: 1rem;
  margin-bottom: 0;
}

.testimonial-info p {
  font-size: 0.8rem;
  color: var(--text-muted);
  margin: 0;
}

.testimonial-verified {
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
  font-size: 0.75rem;
  color: var(--success-color);
  margin-top: 0.25rem;
}

/* ========================================
   FAQ Section
   ======================================== */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.faq-item {
  background: var(--white);
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-sm);
  overflow: hidden;
}

.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  width: 100%;
  padding: 1rem;
  background: none;
  border: none;
  text-align: left;
  font-size: 1rem;
  font-weight: 600;
  color: var(--text-dark);
  cursor: pointer;
  transition: var(--transition);
}

.faq-question:hover {
  background: var(--bg-light);
}

.faq-question::after {
  content: '+';
  font-size: 1.5rem;
  font-weight: 300;
  color: var(--primary-color);
  transition: var(--transition);
}

.faq-item.active .faq-question::after {
  transform: rotate(45deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}

.faq-item.active .faq-answer {
  max-height: 500px;
}

.faq-answer-content {
  padding: 0 1rem 1rem;
  color: var(--text-light);
  font-size: 0.95rem;
}

/* ========================================
   Location Grid
   ======================================== */
.location-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
}

.location-card {
  background: var(--white);
  border-radius: var(--radius-sm);
  padding: 1.25rem;
  text-align: center;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.location-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.location-card img {
  width: 100%;
  height: 100px;
  object-fit: cover;
  border-radius: var(--radius-sm);
  margin-bottom: 0.75rem;
}

.location-card h4 {
  font-size: 0.95rem;
  margin-bottom: 0.25rem;
}

.location-card p {
  font-size: 0.8rem;
  color: var(--text-muted);
  margin: 0;
}

/* ========================================
   CTA Section
   ======================================== */
.cta-section {
  background: linear-gradient(135deg, var(--primary-color) 0%, var(--accent-color) 100%);
  color: var(--white);
  padding: 3rem 0;
  text-align: center;
}

.cta-section h2 {
  color: var(--white);
  margin-bottom: 1rem;
}

.cta-section p {
  color: rgba(255,255,255,0.9);
  margin-bottom: 1.5rem;
}

.cta-features {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 1rem;
  margin-bottom: 2rem;
}

.cta-feature {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.9rem;
}

/* ========================================
   Footer
   ======================================== */
.footer {
  background: var(--primary-dark);
  color: var(--white);
  padding: 3rem 0 1.5rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
  margin-bottom: 2rem;
}

.footer-brand p {
  color: rgba(255,255,255,0.7);
  font-size: 0.9rem;
  margin-bottom: 1rem;
}

.footer-social {
  display: flex;
  gap: 0.75rem;
}

.footer-social a {
  width: 40px;
  height: 40px;
  background: rgba(255,255,255,0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  transition: var(--transition);
}

.footer-social a:hover {
  background: var(--secondary-color);
  color: var(--text-dark);
}

.footer-links h4 {
  color: var(--white);
  font-size: 1rem;
  margin-bottom: 1rem;
}

.footer-links ul {
  list-style: none;
}

.footer-links li {
  margin-bottom: 0.5rem;
}

.footer-links a {
  color: rgba(255,255,255,0.7);
  font-size: 0.9rem;
}

.footer-links a:hover {
  color: var(--secondary-color);
}

.footer-contact p {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  color: rgba(255,255,255,0.7);
  font-size: 0.9rem;
  margin-bottom: 0.75rem;
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 1.5rem;
  text-align: center;
}

.footer-bottom p {
  color: rgba(255,255,255,0.5);
  font-size: 0.8rem;
  margin-bottom: 0.5rem;
}

.footer-badges {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 1rem;
  margin-top: 1rem;
}

.footer-badge {
  background: rgba(255,255,255,0.1);
  padding: 0.5rem 1rem;
  border-radius: var(--radius-sm);
  font-size: 0.75rem;
  color: rgba(255,255,255,0.7);
}

/* ========================================
   Forms
   ======================================== */
.form-group {
  margin-bottom: 1.25rem;
}

.form-label {
  display: block;
  font-weight: 600;
  margin-bottom: 0.5rem;
  color: var(--text-dark);
}

.form-control {
  width: 100%;
  padding: 0.875rem 1rem;
  font-size: 1rem;
  border: 2px solid var(--border-color);
  border-radius: var(--radius-sm);
  transition: var(--transition);
  background: var(--white);
}

.form-control:focus {
  outline: none;
  border-color: var(--primary-color);
  box-shadow: 0 0 0 3px rgba(26, 77, 46, 0.1);
}

.form-select {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' fill='%23555' viewBox='0 0 16 16'%3E%3Cpath d='M8 11L3 6h10l-5 5z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  padding-right: 2.5rem;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1rem;
}

.form-hint {
  font-size: 0.8rem;
  color: var(--text-muted);
  margin-top: 0.25rem;
}

/* ========================================
   Application Form
   ======================================== */
.apply-section {
  padding: 2rem 0;
}

.apply-form-card {
  background: var(--white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-md);
  overflow: hidden;
}

.apply-form-header {
  background: var(--primary-color);
  color: var(--white);
  padding: 1.5rem;
  text-align: center;
}

.apply-form-header h2 {
  color: var(--white);
  margin-bottom: 0.5rem;
}

.apply-form-header p {
  color: rgba(255,255,255,0.8);
  margin: 0;
  font-size: 0.9rem;
}

.apply-form-body {
  padding: 1.5rem;
}

.form-section-title {
  font-size: 1.1rem;
  color: var(--primary-color);
  margin-bottom: 1rem;
  padding-bottom: 0.5rem;
  border-bottom: 2px solid var(--bg-light);
}

.loan-amount-slider {
  margin-bottom: 1.5rem;
}

.loan-amount-display {
  text-align: center;
  margin-bottom: 1rem;
}

.loan-amount-value {
  font-size: 2.5rem;
  font-weight: 700;
  color: var(--primary-color);
}

.range-slider {
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: var(--bg-light);
  outline: none;
  -webkit-appearance: none;
}

.range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 24px;
  height: 24px;
  background: var(--primary-color);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: var(--shadow-sm);
}

.range-labels {
  display: flex;
  justify-content: space-between;
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-top: 0.5rem;
}

/* ========================================
   Sidebar
   ======================================== */
.sidebar {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.sidebar-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  box-shadow: var(--shadow-sm);
}

.sidebar-card h3 {
  font-size: 1.1rem;
  margin-bottom: 1rem;
  color: var(--primary-color);
}

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

.benefit-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  padding: 0.75rem 0;
  border-bottom: 1px solid var(--border-color);
}

.benefit-list li:last-child {
  border-bottom: none;
}

.benefit-icon {
  width: 24px;
  height: 24px;
  min-width: 24px;
  background: var(--success-color);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 0.75rem;
}

.benefit-text {
  font-size: 0.9rem;
  color: var(--text-light);
}

/* ========================================
   Author Box (E-E-A-T)
   ======================================== */
.author-box {
  background: var(--bg-light);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  margin: 2rem 0;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.author-avatar {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  object-fit: cover;
}

.author-info h4 {
  margin-bottom: 0.25rem;
}

.author-title {
  color: var(--primary-color);
  font-size: 0.9rem;
  font-weight: 600;
  margin-bottom: 0.5rem;
}

.author-bio {
  font-size: 0.9rem;
  color: var(--text-light);
}

.author-credentials {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-top: 0.75rem;
}

.credential-badge {
  background: var(--white);
  padding: 0.25rem 0.75rem;
  border-radius: 50px;
  font-size: 0.75rem;
  color: var(--text-muted);
}

/* ========================================
   Breadcrumbs
   ======================================== */
.breadcrumbs {
  padding: 1rem 0;
  background: var(--bg-light);
}

.breadcrumbs-list {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.5rem;
  list-style: none;
  font-size: 0.85rem;
}

.breadcrumbs-list li {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.breadcrumbs-list li::after {
  content: '/';
  color: var(--text-muted);
}

.breadcrumbs-list li:last-child::after {
  display: none;
}

.breadcrumbs-list a {
  color: var(--text-light);
}

.breadcrumbs-list a:hover {
  color: var(--primary-color);
}

.breadcrumbs-list li:last-child {
  color: var(--primary-color);
  font-weight: 500;
}

/* ========================================
   Page Header
   ======================================== */
.page-header {
  background: linear-gradient(135deg, var(--primary-color) 0%, var(--accent-color) 100%);
  color: var(--white);
  padding: 2rem 0;
  text-align: center;
}

.page-header h1 {
  color: var(--white);
  margin-bottom: 0.5rem;
}

.page-header p {
  color: rgba(255,255,255,0.9);
  max-width: 600px;
  margin: 0 auto;
}

/* ========================================
   Content Sections
   ======================================== */
.content-section {
  padding: 2rem 0;
}

.content-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
}

.content-main {
  order: 1;
}

.content-sidebar {
  order: 2;
}

.content-block {
  margin-bottom: 2rem;
}

.content-block h2 {
  color: var(--primary-color);
  font-size: 1.5rem;
  margin-bottom: 1rem;
}

.content-block h3 {
  color: var(--accent-color);
  font-size: 1.2rem;
  margin-top: 1.5rem;
  margin-bottom: 0.75rem;
}

.content-block p {
  margin-bottom: 1rem;
}

.content-block ul, .content-block ol {
  margin-left: 1.5rem;
  margin-bottom: 1rem;
}

.content-block li {
  margin-bottom: 0.5rem;
  color: var(--text-light);
}

.content-image {
  border-radius: var(--radius-md);
  margin: 1.5rem 0;
  box-shadow: var(--shadow-sm);
}

/* ========================================
   Stats Section
   ======================================== */
.stats-section {
  background: var(--primary-color);
  color: var(--white);
  padding: 2rem 0;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
  text-align: center;
}

.stat-item h3 {
  font-size: 2rem;
  color: var(--secondary-color);
  margin-bottom: 0.25rem;
}

.stat-item p {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.8);
  margin: 0;
}

/* ========================================
   Team Section
   ======================================== */
.team-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
}

.team-card {
  text-align: center;
}

.team-avatar {
  width: 120px;
  height: 120px;
  border-radius: 50%;
  margin: 0 auto 1rem;
  object-fit: cover;
  border: 4px solid var(--white);
  box-shadow: var(--shadow-md);
}

.team-card h4 {
  font-size: 1rem;
  margin-bottom: 0.25rem;
}

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

.team-card p {
  font-size: 0.85rem;
  color: var(--text-light);
}

/* ========================================
   Contact Info
   ======================================== */
.contact-info-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1rem;
}

.contact-info-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  text-align: center;
  box-shadow: var(--shadow-sm);
}

.contact-info-card svg {
  color: var(--primary-color);
  margin-bottom: 0.75rem;
}

.contact-info-card h4 {
  font-size: 1rem;
  margin-bottom: 0.5rem;
}

.contact-info-card p, .contact-info-card a {
  color: var(--text-light);
  font-size: 0.9rem;
  margin: 0;
}

/* ========================================
   Map Section
   ======================================== */
.map-container {
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  margin-top: 2rem;
}

.map-container iframe {
  width: 100%;
  height: 300px;
  border: none;
}

/* ========================================
   Calculator
   ======================================== */
.calculator-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  box-shadow: var(--shadow-md);
}

.calculator-result {
  background: var(--bg-cream);
  border-radius: var(--radius-sm);
  padding: 1.5rem;
  text-align: center;
  margin-top: 1.5rem;
}

.calculator-result h3 {
  font-size: 0.9rem;
  color: var(--text-muted);
  margin-bottom: 0.5rem;
}

.monthly-payment {
  font-size: 2.5rem;
  font-weight: 700;
  color: var(--primary-color);
}

/* ========================================
   Disclaimer
   ======================================== */
.disclaimer {
  background: var(--bg-light);
  border-left: 4px solid var(--primary-color);
  padding: 1rem;
  margin: 2rem 0;
  font-size: 0.85rem;
  color: var(--text-muted);
}

/* ========================================
   Responsive - Tablet
   ======================================== */
@media (min-width: 576px) {
  h1 { font-size: 2.25rem; }
  h2 { font-size: 1.75rem; }
  
  .hero h1 { font-size: 2.5rem; }
  
  .form-row {
    grid-template-columns: repeat(2, 1fr);
  }
  
  .trust-grid {
    grid-template-columns: repeat(4, 1fr);
  }
  
  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  
  .testimonial-card {
    min-width: 70%;
  }
  
  .location-grid {
    grid-template-columns: repeat(3, 1fr);
  }
  
  .stats-grid {
    grid-template-columns: repeat(4, 1fr);
  }
  
  .team-grid {
    grid-template-columns: repeat(3, 1fr);
  }
  
  .contact-info-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

/* ========================================
   Responsive - Desktop
   ======================================== */
@media (min-width: 768px) {
  .container {
    padding: 0 2rem;
  }
  
  h1 { font-size: 2.5rem; }
  h2 { font-size: 2rem; }
  h3 { font-size: 1.5rem; }
  
  .menu-toggle {
    display: none;
  }
  
  .nav {
    position: static;
    width: auto;
    max-width: none;
    height: auto;
    background: transparent;
    box-shadow: none;
    overflow: visible;
  }
  
  .nav-header {
    display: none;
  }
  
  .nav-menu {
    display: flex;
    padding: 0;
    gap: 0.5rem;
  }
  
  .nav-item {
    border-bottom: none;
    position: relative;
  }
  
  .nav-link {
    padding: 0.5rem 1rem;
    font-size: 0.9rem;
  }
  
  .has-dropdown > .nav-link::after {
    margin-left: 0.5rem;
    float: none;
  }
  
  .nav-dropdown {
    position: absolute;
    top: 100%;
    left: 0;
    min-width: 220px;
    background: var(--white);
    box-shadow: var(--shadow-md);
    border-radius: var(--radius-sm);
    padding: 0.5rem 0;
    opacity: 0;
    visibility: hidden;
    transform: translateY(10px);
    transition: var(--transition);
  }
  
  .has-dropdown:hover .nav-dropdown {
    display: block;
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
  }
  
  .nav-dropdown a {
    padding: 0.5rem 1rem;
  }
  
  .nav-dropdown a:hover {
    background: var(--bg-light);
  }
  
  .nav-overlay {
    display: none;
  }
  
  .header-cta {
    display: block;
  }
  
  .hero {
    padding: 4rem 0;
  }
  
  .hero-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    align-items: center;
  }
  
  .hero h1 {
    font-size: 3rem;
  }
  
  .hero-buttons {
    flex-direction: row;
  }
  
  .hero-image {
    margin-top: 0;
  }
  
  .section {
    padding: 4rem 0;
  }
  
  .services-grid {
    grid-template-columns: repeat(3, 1fr);
  }
  
  .steps {
    flex-direction: row;
    justify-content: space-between;
  }
  
  .step {
    flex-direction: column;
    text-align: center;
    flex: 1;
  }
  
  .step-number {
    margin: 0 auto 1rem;
  }
  
  .testimonial-card {
    min-width: 45%;
  }
  
  .location-grid {
    grid-template-columns: repeat(5, 1fr);
  }
  
  .footer-grid {
    grid-template-columns: 2fr 1fr 1fr 1.5fr;
  }
  
  .author-box {
    flex-direction: row;
    align-items: flex-start;
  }
  
  .content-grid {
    grid-template-columns: 2fr 1fr;
  }
  
  .content-main {
    order: 1;
  }
  
  .content-sidebar {
    order: 2;
  }
  
  .map-container iframe {
    height: 400px;
  }
}

/* ========================================
   Responsive - Large Desktop
   ======================================== */
@media (min-width: 992px) {
  .hero h1 {
    font-size: 3.5rem;
  }
  
  .services-grid {
    grid-template-columns: repeat(4, 1fr);
  }
  
  .testimonial-card {
    min-width: 30%;
  }
}

/* ========================================
   Utility Classes
   ======================================== */
.text-center { text-align: center; }
.text-left { text-align: left; }
.text-right { text-align: right; }

.mt-1 { margin-top: 0.5rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mt-4 { margin-top: 2rem; }

.mb-1 { margin-bottom: 0.5rem; }
.mb-2 { margin-bottom: 1rem; }
.mb-3 { margin-bottom: 1.5rem; }
.mb-4 { margin-bottom: 2rem; }

.py-2 { padding-top: 1rem; padding-bottom: 1rem; }
.py-3 { padding-top: 1.5rem; padding-bottom: 1.5rem; }
.py-4 { padding-top: 2rem; padding-bottom: 2rem; }

.d-none { display: none; }
.d-block { display: block; }
.d-flex { display: flex; }
.d-grid { display: grid; }

.flex-wrap { flex-wrap: wrap; }
.justify-center { justify-content: center; }
.align-center { align-items: center; }
.gap-1 { gap: 0.5rem; }
.gap-2 { gap: 1rem; }
.gap-3 { gap: 1.5rem; }

.bg-white { background: var(--white); }
.bg-light { background: var(--bg-light); }
.bg-primary { background: var(--primary-color); }

.text-primary { color: var(--primary-color); }
.text-muted { color: var(--text-muted); }
.text-white { color: var(--white); }

.rounded { border-radius: var(--radius-sm); }
.rounded-lg { border-radius: var(--radius-md); }
.shadow { box-shadow: var(--shadow-sm); }
.shadow-lg { box-shadow: var(--shadow-lg); }

/* Print Styles */
@media print {
  .header, .footer, .nav, .cta-section {
    display: none;
  }
  
  .hero {
    background: none;
    color: var(--text-dark);
    padding: 1rem 0;
  }
  
  .hero h1 {
    color: var(--text-dark);
  }
}