/* ============================================================
   MCA Mortgages — Theme CSS
   Built on Foundation XY Grid (https://get.foundation/sites/docs/xy-grid.html)
   ============================================================ */

/* ---------- Design Tokens ---------- */
:root {
  --navy:       #111d33;
  --navy-deep:  #0c1525;
  --navy-mid:   #1B2A4A;
  --navy-light: #243560;
  --gold:       #9E8A3C;
  --gold-light: #C4AA5A;
  --cream:      #F8F7F4;
  --white:      #ffffff;
  --text-body:  #4a5568;
  --text-muted: #6b7280;
  --font-serif: 'Georgia', serif;
  --font-sans:  -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --radius-sm:  3px;
  --radius-md:  6px;
  --radius-lg:  8px;

  /* Animation */
  --ease-out:        cubic-bezier(0.16, 1, 0.3, 1);
  --ease-out-soft:   cubic-bezier(0.25, 0.46, 0.45, 0.94);
  --dur-fast:        0.45s;
  --dur-base:        0.6s;
  --dur-slow:        0.8s;
}

/* ============================================================
   SCROLL ANIMATIONS
   Elements get a [data-animate] attribute via JS.
   Before they enter the viewport they are invisible;
   once IntersectionObserver fires, .is-visible is added.
   prefers-reduced-motion: all animations disabled.
   ============================================================ */

/* Respect reduced motion — skip all animation */
@media (prefers-reduced-motion: reduce) {
  [data-animate] { opacity: 1 !important; transform: none !important; transition: none !important; }
}

/* --- Fade up (default) --- */
[data-animate="fade-up"] {
  opacity: 0;
  transform: translateY(28px);
  transition:
    opacity var(--dur-base) var(--ease-out),
    transform var(--dur-base) var(--ease-out);
}

/* --- Fade in (no movement) --- */
[data-animate="fade-in"] {
  opacity: 0;
  transition: opacity var(--dur-slow) var(--ease-out-soft);
}

/* --- Slide in from left --- */
[data-animate="slide-left"] {
  opacity: 0;
  transform: translateX(-32px);
  transition:
    opacity var(--dur-base) var(--ease-out),
    transform var(--dur-base) var(--ease-out);
}

/* --- Slide in from right --- */
[data-animate="slide-right"] {
  opacity: 0;
  transform: translateX(32px);
  transition:
    opacity var(--dur-base) var(--ease-out),
    transform var(--dur-base) var(--ease-out);
}

/* --- Scale up (for cards/badges) --- */
[data-animate="scale-up"] {
  opacity: 0;
  transform: scale(0.94) translateY(16px);
  transition:
    opacity var(--dur-base) var(--ease-out),
    transform var(--dur-base) var(--ease-out);
}

/* --- Triggered state --- */
[data-animate].is-visible {
  opacity: 1;
  transform: none;
}

/* --- Stagger delays via --delay CSS var set inline by JS --- */
[data-animate] { transition-delay: var(--delay, 0ms); }

/* --- Gold bar grows in width --- */
.gold-bar {
  transform-origin: left center;
}
.gold-bar[data-animate="grow-bar"] {
  opacity: 0;
  transform: scaleX(0);
  transition:
    opacity 0.3s var(--ease-out),
    transform var(--dur-base) var(--ease-out);
  transform-origin: left center;
}
.gold-bar[data-animate="grow-bar"].is-visible {
  opacity: 1;
  transform: scaleX(1);
}

/* --- Stat numbers count up (number itself animated via JS) --- */
.stat-num[data-countup] {
  display: inline-block;
}

/* --- Hero elements animate on load (not scroll) --- */
.hero-animate {
  opacity: 0;
  transform: translateY(20px);
  animation: heroEntrance var(--dur-slow) var(--ease-out) forwards;
}

@keyframes heroEntrance {
  to { opacity: 1; transform: none; }
}

/* Stagger hero children */
.hero-badge        { animation-delay: 0.1s; }
.hero-title        { animation-delay: 0.25s; }
.hero-subtitle     { animation-delay: 0.4s; }
.hero-btns         { animation-delay: 0.52s; }
.hero-stats        { animation-delay: 0.64s; }

/* --- Section chip: fade only, no translateY (avoids sitting behind the gold bar) --- */
.section-chip {
  position: relative;
  z-index: 1;
}
.section-chip[data-animate="fade-in"] {
  opacity: 0;
  transform: none;
  transition: opacity var(--dur-base) var(--ease-out-soft);
}
.section-chip[data-animate="fade-in"].is-visible {
  opacity: 1;
}

/* ---------- Grid Container ---------- */
.grid-container {
  max-width: 1290px;
  margin-left: auto;
  margin-right: auto;
  padding-left: 20px;
  padding-right: 20px;
}

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

body {
  font-family: var(--font-serif);
  color: var(--navy-mid);
  background: var(--white);
  margin: 0;
}

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

a { text-decoration: none; color: inherit; }

ul { list-style: none; margin: 0; padding: 0; }

h1, h2, h3, h4, h5, h6 { margin: 0; line-height: 1.2; }

p { margin: 0; }

/* ---------- Utility ---------- */
.section-chip {
  display: block;
  font-family: var(--font-sans);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 8px;
}

.gold-bar {
  width: 32px;
  height: 2px;
  background: var(--gold);
  margin-bottom: 14px;
}

.btn-gold {
  display: inline-block;
  background: var(--gold);
  color: var(--white);
  font-family: var(--font-sans);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 14px 28px;
  border-radius: var(--radius-sm);
  border: none;
  cursor: pointer;
  transition: background 0.2s;
}

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

.btn-outline {
  display: inline-block;
  background: transparent;
  color: rgba(255,255,255,0.8);
  font-family: var(--font-sans);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 13px 26px;
  border-radius: var(--radius-sm);
  border: 1px solid rgba(255,255,255,0.35);
  cursor: pointer;
  transition: border-color 0.2s, color 0.2s;
}

.btn-outline:hover { border-color: var(--gold); color: var(--gold-light); }

/* ============================================================
   NAVIGATION
   ============================================================ */
.site-header {
  background: var(--navy);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 12px rgba(0,0,0,0.3);
}

.site-header .grid-container {
  padding-top: 0;
  padding-bottom: 0;
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 0;
}

.nav-brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}

.nav-brand-icon {
  width: 38px;
  height: 38px;
  background: rgba(158,138,60,0.15);
  border-radius: 7px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.nav-brand-icon svg {
  width: 22px;
  height: 22px;
}

.nav-brand-name {
  font-family: var(--font-serif);
  font-size: 20px;
  font-weight: 700;
  color: var(--white);
  line-height: 1;
}

.nav-brand-sub {
  font-family: var(--font-sans);
  font-size: 9px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-top: 2px;
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 28px;
}

.nav-menu a {
  font-family: var(--font-sans);
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.65);
  transition: color 0.2s;
}

.nav-menu a:hover { color: var(--white); }

.nav-cta {
  background: var(--gold);
  color: var(--white) !important;
  padding: 8px 18px;
  border-radius: var(--radius-sm);
}

.nav-cta:hover { background: var(--gold-light); }

/* Mobile nav toggle */
.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}

.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  margin: 5px 0;
  transition: 0.3s;
}

/* ============================================================
   HERO
   ============================================================ */
.hero-section {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 60%, var(--navy-light) 100%);
  padding: 100px 0 80px;
  position: relative;
  overflow: hidden;
}

.hero-geo {
  position: absolute;
  right: 0;
  top: 0;
  bottom: 0;
  width: 38%;
  background: linear-gradient(135deg, transparent, rgba(158,138,60,0.05));
  border-left: 1px solid rgba(158,138,60,0.1);
  pointer-events: none;
}

.hero-watermark {
  position: absolute;
  right: 5%;
  top: 50%;
  transform: translateY(-50%);
  /*opacity: 0.05;*/
  opacity: 0.125;
  pointer-events: none;
}

.hero-watermark svg {
  width: 300px;
  height: 270px;
}
.hero-watermark-text {
    text-align: center;
    font-family: var(--font-serif);
    font-size: 19px;
    font-weight: 700;
    letter-spacing: 0.22em;
    text-transform: uppercase;
    color: #fff;
    margin-top: 10px;
    pointer-events: none;
    user-select: none;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(158,138,60,0.15);
  border: 1px solid rgba(158,138,60,0.3);
  color: var(--gold-light);
  font-family: var(--font-sans);
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 100px;
  margin-bottom: 20px;
}

.hero-badge::before {
  content: '';
  display: block;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold);
}

.hero-title {
  font-size: clamp(38px, 5vw, 64px);
  font-weight: 700;
  color: var(--white);
  line-height: 1.05;
  margin-bottom: 20px;
}

.hero-title em {
  font-style: italic;
  color: var(--gold-light);
}

.hero-subtitle {
  font-family: var(--font-sans);
  font-size: 17px;
  color: rgba(255,255,255,0.6);
  line-height: 1.7;
  margin-bottom: 36px;
  font-weight: 300;
}
.hero-section .hero-subtitle {
  max-width: 500px;
}

.hero-btns {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

.hero-stats {
  display: flex;
  gap: 40px;
  margin-top: 56px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.08);
  flex-wrap: wrap;
}

.stat-num {
  font-family: var(--font-serif);
  font-size: 32px;
  font-weight: 700;
  color: var(--gold-light);
  display: block;
  line-height: 1;
}

.stat-label {
  font-family: var(--font-sans);
  font-size: 11px;
  color: rgba(255,255,255,0.45);
  letter-spacing: 0.04em;
  margin-top: 4px;
  display: block;
}

/* ============================================================
   ABOUT
   ============================================================ */
.about-section {
  background: var(--cream);
  padding: 80px 0;
}

.about-intro {
  font-size: 24px;
  font-weight: 400;
  color: var(--navy-mid);
  line-height: 1.45;
  margin-bottom: 12px;
}

.about-body {
  font-family: var(--font-sans);
  font-size: 15px;
  color: var(--text-body);
  line-height: 1.75;
  margin-bottom: 20px;
}

.compliance-notice {
  padding: 14px 18px;
  border-left: 2px solid var(--gold);
  background: rgba(158,138,60,0.06);
  font-family: var(--font-sans);
  font-size: 12px;
  color: var(--text-muted);
  line-height: 1.7;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
}

.feature-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 24px;
  border-bottom: 2px solid var(--gold);
  height: 100%;
}

.feature-card-icon {
  width: 42px;
  height: 42px;
  background: rgba(158,138,60,0.1);
  border-radius: 9px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
}

.feature-card-icon svg {
  width: 20px;
  height: 20px;
  stroke: var(--gold);
  fill: none;
  stroke-width: 1.8;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.feature-card h3 {
  font-size: 15px;
  font-weight: 700;
  color: var(--navy-mid);
  margin-bottom: 6px;
}

.feature-card p {
  font-family: var(--font-sans);
  font-size: 13px;
  color: var(--text-muted);
  line-height: 1.6;
}

/* ============================================================
   SERVICES
   ============================================================ */
.services-section {
  background: var(--navy);
  padding: 80px 0;
}

.services-section .section-chip { color: var(--gold); }

.services-section h2 {
  font-size: 30px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 8px;
}

.services-section .section-intro {
  font-family: var(--font-sans);
  font-size: 15px;
  color: rgba(255,255,255,0.5);
  line-height: 1.7;
  margin-bottom: 0;
}

.service-item {
  display: flex;
  gap: 16px;
  padding: 18px 0;
  border-bottom: 1px solid rgba(255,255,255,0.07);
  align-items: flex-start;
}

.service-item:last-child { border-bottom: none; }

.service-num {
  font-size: 12px;
  font-weight: 700;
  color: var(--gold);
  min-width: 24px;
  margin-top: 2px;
  font-family: var(--font-sans);
}

.service-title {
  font-family: var(--font-serif);
  font-size: 15px;
  font-weight: 600;
  color: var(--white);
  margin-bottom: 4px;
}

.service-desc {
  font-family: var(--font-sans);
  font-size: 13px;
  color: rgba(255,255,255,0.45);
  line-height: 1.6;
}

.services-visual {
  /*background: linear-gradient(135deg, var(--navy-mid), var(--navy-light));*/
  border-radius: var(--radius-lg);
  height: 100%;
  min-height: 320px;
  position: relative;
  overflow: hidden;
  display: flex;
  align-items: flex-end;
  /*padding: 24px;*/
}

.services-visual-bg {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0.07;
  pointer-events: none;
}

.services-visual-bg svg { width: 180px; height: 180px; }

.fca-badge {
  background: rgba(17,29,51,0.92);
  border: 1px solid rgba(158,138,60,0.25);
  border-radius: var(--radius-md);
  padding: 18px 20px;
  position: relative;
  z-index: 1;
  width: 100%;
}

.fca-badge strong {
  font-size: 14px;
  font-weight: 600;
  color: var(--white);
  display: block;
  margin-bottom: 6px;
}

.fca-badge p {
  font-family: var(--font-sans);
  font-size: 12px;
  color: rgba(255,255,255,0.5);
  line-height: 1.6;
}

/* ============================================================
   WHY CHOOSE US
   ============================================================ */
.why-section {
  background: var(--white);
  padding: 80px 0;
}

.why-section h2 {
  font-size: 30px;
  font-weight: 700;
  color: var(--navy-mid);
  margin-bottom: 36px;
}

.why-item {
  display: flex;
  gap: 14px;
  padding: 18px;
  border: 0.5px solid rgba(27,42,74,0.1);
  border-radius: var(--radius-md);
  align-items: flex-start;
  height: 100%;
  transition: border-color 0.2s, box-shadow 0.2s;
}

.why-item:hover {
  border-color: rgba(158,138,60,0.3);
  box-shadow: 0 4px 16px rgba(158,138,60,0.08);
}

.why-icon {
  width: 38px;
  height: 38px;
  background: #f5eedc;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.why-icon svg {
  width: 18px;
  height: 18px;
  stroke: var(--gold);
  fill: none;
  stroke-width: 1.8;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.why-item h3 {
  font-size: 14px;
  font-weight: 700;
  color: var(--navy-mid);
  margin-bottom: 4px;
}

.why-item p {
  font-family: var(--font-sans);
  font-size: 13px;
  color: var(--text-muted);
  line-height: 1.55;
}

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials-section {
  background: var(--navy);
  padding: 80px 0;
  text-align: center;
}

.testimonials-section h2 {
  font-size: 30px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 40px;
}

.testimonials-section .gold-bar { margin: 0 0 14px; }

.testimonial-card {
  background: rgba(255,255,255,0.04);
  border: 0.5px solid rgba(255,255,255,0.08);
  border-radius: var(--radius-lg);
  padding: 24px;
  text-align: left;
  height: 100%;
}

.tcard-stars {
  display: flex;
  gap: 3px;
  margin-bottom: 14px;
}

.tcard-stars svg {
  width: 14px;
  height: 14px;
  fill: var(--gold);
}

.tcard-quote {
  font-size: 14px;
  font-style: italic;
  color: rgba(255,255,255,0.8);
  line-height: 1.7;
  margin-bottom: 18px;
}

.tcard-author {
  display: flex;
  align-items: center;
  gap: 10px;
}

.tcard-avatar {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy-light), var(--gold));
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-sans);
  font-size: 12px;
  font-weight: 600;
  color: var(--white);
  flex-shrink: 0;
}

.tcard-name {
  font-family: var(--font-sans);
  font-size: 13px;
  font-weight: 600;
  color: var(--white);
}

.tcard-loc {
  font-family: var(--font-sans);
  font-size: 11px;
  color: var(--gold);
}

/* ============================================================
   LOCATIONS
   ============================================================ */
.locations-section {
  background: var(--cream);
  padding: 80px 0;
  text-align: center;
}

.locations-section h2 {
  font-size: 30px;
  font-weight: 700;
  color: var(--navy-mid);
  margin-bottom: 8px;
}

.locations-section .gold-bar { margin: 0 auto 14px; }

.locations-section .section-intro {
  font-family: var(--font-sans);
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 40px;
}

.location-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  text-align: left;
  box-shadow: 0 2px 12px rgba(27,42,74,0.06);
  height: 100%;
}

.location-map {
  height: 120px;
  background: linear-gradient(135deg, var(--navy-mid), var(--navy-light));
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 8px;
}

.location-map svg {
  width: 28px;
  height: 28px;
  stroke: var(--gold);
  fill: none;
  stroke-width: 1.5;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.location-map span {
  font-family: var(--font-sans);
  font-size: 11px;
  color: rgba(255,255,255,0.6);
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.location-body { padding: 20px 22px 22px; }

.location-tag {
  display: inline-block;
  font-family: var(--font-sans);
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  background: rgba(158,138,60,0.1);
  padding: 3px 8px;
  border-radius: 100px;
  margin-bottom: 8px;
}

.location-card h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--navy-mid);
  margin-bottom: 14px;
}

.location-detail {
  display: flex;
  gap: 8px;
  align-items: flex-start;
  margin-bottom: 8px;
  font-family: var(--font-sans);
  font-size: 13px;
  color: var(--text-body);
}

.location-detail svg {
  width: 14px;
  height: 14px;
  stroke: var(--gold);
  fill: none;
  stroke-width: 1.8;
  stroke-linecap: round;
  stroke-linejoin: round;
  flex-shrink: 0;
  margin-top: 2px;
}

.btn-book {
  display: block;
  margin-top: 16px;
  background: var(--gold);
  color: var(--white);
  font-family: var(--font-sans);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 10px;
  border-radius: var(--radius-sm);
  text-align: center;
  transition: background 0.2s;
}

.btn-book:hover { background: var(--gold-light); color: var(--white); }

/* ============================================================
   CONTACT
   ============================================================ */
.contact-section {
  background: var(--white);
  padding: 80px 0;
}

.contact-section h2 {
  font-size: 30px;
  font-weight: 700;
  color: var(--navy-mid);
  margin-bottom: 8px;
}

.contact-section .section-intro {
  font-family: var(--font-sans);
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 0;
}

.contact-form-wrap {
  background: var(--cream);
  border-radius: var(--radius-lg);
  padding: 32px;
}

.form-row { display: flex; gap: 16px; }
.form-row .form-group { flex: 1; }

.form-group {
  margin-bottom: 16px;
}

.form-group label {
  display: block;
  font-family: var(--font-sans);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--navy-mid);
  margin-bottom: 5px;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 10px 14px;
  border: 1px solid rgba(27,42,74,0.15);
  border-radius: var(--radius-sm);
  font-family: var(--font-sans);
  font-size: 14px;
  color: var(--text-body);
  background: var(--white);
  transition: border-color 0.2s, box-shadow 0.2s;
  -webkit-appearance: none;
  appearance: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(158,138,60,0.1);
}

.form-group textarea { height: 100px; resize: vertical; }

.form-submit {
  width: 100%;
  background: var(--gold);
  color: var(--white);
  font-family: var(--font-sans);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 14px;
  border-radius: var(--radius-sm);
  border: none;
  cursor: pointer;
  transition: background 0.2s;
  margin-top: 4px;
}

.form-submit:hover { background: var(--gold-light); }

.contact-info { padding: 8px 0; }

.info-item {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  margin-bottom: 20px;
}

.info-icon {
  width: 40px;
  height: 40px;
  background: rgba(158,138,60,0.1);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.info-icon svg {
  width: 18px;
  height: 18px;
  stroke: var(--gold);
  fill: none;
  stroke-width: 1.8;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.info-label {
  font-family: var(--font-sans);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 2px;
}

.info-value {
  font-family: var(--font-sans);
  font-size: 14px;
  color: var(--navy-mid);
  line-height: 1.55;
}

.fca-notice {
  margin-top: 24px;
  padding: 14px 16px;
  background: var(--cream);
  border-left: 2px solid var(--gold);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  font-family: var(--font-sans);
  font-size: 12px;
  color: var(--text-muted);
  line-height: 1.7;
}

.fca-notice strong {
  color: var(--navy-mid);
  display: block;
  margin-bottom: 4px;
}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: var(--navy-deep);
  padding: 60px 0 0;
}

.footer-brand-name {
  font-family: var(--font-serif);
  font-size: 26px;
  font-weight: 700;
  color: var(--white);
}

.footer-brand-sub {
  font-family: var(--font-sans);
  font-size: 9px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-top: 2px;
}

.footer-tagline {
  font-family: var(--font-sans);
  font-size: 13px;
  color: rgba(255,255,255,0.35);
  line-height: 1.7;
  margin-top: 14px;
}

.footer-heading {
  font-family: var(--font-sans);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.footer-links li a,
.footer-links li {
  font-family: var(--font-sans);
  font-size: 13px;
  color: rgba(255,255,255,0.4);
  transition: color 0.2s;
  line-height: 1.6;
}

.footer-links li a:hover { color: rgba(255,255,255,0.8); }

.footer-divider {
  border: none;
  border-top: 0.5px solid rgba(255,255,255,0.06);
  margin: 40px 0 20px;
}
.footer-margin{
  margin: 10px 0 0px;
  width: 100%;
  height: 1px;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  padding-bottom: 24px;
  flex-wrap: wrap;
  gap: 12px;
}

.footer-copy {
  font-family: var(--font-sans);
  font-size: 12px;
  color: rgba(255,255,255,0.2);
}

.footer-mortgage-warning {
  font-family: var(--font-sans);
  font-size: 11px;
  color: rgba(255,255,255,0.2);
  /*max-width: 400px;*/
  text-align: right;
  line-height: 1.6;
}

/* ============================================================
   RESPONSIVE — Foundation XY Grid handles columns,
   these handle component-level adjustments
   ============================================================ */

/* Medium breakpoint: 640px */
@media screen and (max-width: 639px) {
  .hero-section { padding: 60px 0 50px; }
  .hero-stats { gap: 24px; }
  .stat-num { font-size: 26px; }

  .about-section,
  .services-section,
  .why-section,
  .testimonials-section,
  .locations-section,
  .contact-section { padding: 56px 0; }

  .services-visual { min-height: 220px; margin-top: 24px; }

  .form-row { flex-direction: column; gap: 0; }

  .footer-mortgage-warning { text-align: left; }

  .nav-menu { display: none; }
  .nav-toggle { display: block; }

  .nav-menu.is-open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--navy);
    padding: 16px 20px 24px;
    gap: 16px;
    border-top: 1px solid rgba(255,255,255,0.08);
  }
}

/* Large breakpoint: 1024px */
@media screen and (min-width: 1024px) {
  .hero-section { padding: 120px 0 100px; }
}

/* -------------------------------------------------------
   Active nav link
------------------------------------------------------- */
.nav-menu a.active {
  color: var(--white);
}

.nav-menu a.active:not(.nav-cta) {
  border-bottom: 1px solid var(--gold);
  padding-bottom: 1px;
}

/* -------------------------------------------------------
   Form feedback messages
------------------------------------------------------- */
.form-feedback {
  display: block;
  margin-bottom: 12px;
  padding: 12px 14px;
  border-radius: 4px;
  font-family: var(--font-sans);
  font-size: 13px;
  line-height: 1.5;
}

.form-feedback:empty { display: none; }

.form-feedback--success {
  background: rgba(34, 197, 94, 0.1);
  border: 1px solid rgba(34, 197, 94, 0.3);
  color: #166534;
}

.form-feedback--error {
  background: rgba(239, 68, 68, 0.1);
  border: 1px solid rgba(239, 68, 68, 0.3);
  color: #991b1b;
}
/* ============================================================
   TESTIMONIALS SLIDER
   ============================================================ */

.testimonials-section {
  text-align: left;
}

/* --- Google rating summary bar --- */
.tslider-summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  margin-bottom: 32px;
  padding-bottom: 24px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.tslider-summary-left {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

/* Override section-chip margin when inside summary */
.tslider-summary-left .section-chip {
  margin-bottom: 0;
}

.tslider-google-badge {
  display: flex;
  align-items: center;
  gap: 10px;
}

.tslider-rating-num {
  font-family: var(--font-serif);
  font-size: 26px;
  font-weight: 700;
  color: var(--white);
  line-height: 1;
}

.tslider-stars-row {
  display: flex;
  gap: 2px;
}

.tslider-stars-row svg {
  width: 14px;
  height: 14px;
  fill: #FBBC05;
}

.tslider-review-count {
  font-family: var(--font-sans);
  font-size: 13px;
  color: rgba(255,255,255,0.45);
}

.tslider-google-link {
  font-family: var(--font-sans);
  font-size: 12px;
  font-weight: 500;
  color: var(--gold-light);
  border: 1px solid rgba(158,138,60,0.3);
  padding: 6px 14px;
  border-radius: 100px;
  transition: border-color 0.2s, color 0.2s;
  white-space: nowrap;
}

.tslider-google-link:hover {
  border-color: var(--gold);
  color: var(--white);
}

/* --- Slider viewport --- */
.tslider-wrap {
  overflow: hidden;
  position: relative;
}

.tslider-track {
  display: flex;
  gap: 24px;
  transition: transform 0.5s cubic-bezier(0.25, 0.46, 0.45, 0.94);
  will-change: transform;
  cursor: grab;
  user-select: none;
}

.tslider-track.is-dragging {
  cursor: grabbing;
  transition: none;
}

/* Each card fills the visible area */
.tslider-card {
  flex: 0 0 calc(33.333% - 16px);
  background: rgba(255,255,255,0.04);
  border: 0.5px solid rgba(255,255,255,0.08);
  border-radius: var(--radius-lg);
  padding: 28px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  transition: border-color 0.2s;
  list-style: none;
}

.tslider-card:hover {
  border-color: rgba(158,138,60,0.25);
}

/* Google icon inside card */
.tcard-source {
  display: flex;
  align-items: center;
  gap: 6px;
}

.tcard-source svg { flex-shrink: 0; }

.tcard-source span {
  font-family: var(--font-sans);
  font-size: 11px;
  color: rgba(255,255,255,0.35);
  letter-spacing: 0.04em;
}

.tcard-stars {
  display: flex;
  gap: 3px;
}

.tcard-stars svg {
  width: 13px;
  height: 13px;
  fill: #FBBC05;
}

.tcard-quote {
  font-size: 14px;
  font-style: italic;
  color: rgba(255,255,255,0.82);
  line-height: 1.72;
  flex: 1;
}

.tcard-author {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: auto;
}

.tcard-avatar {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy-light), var(--gold));
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-sans);
  font-size: 12px;
  font-weight: 600;
  color: var(--white);
  flex-shrink: 0;
}

.tcard-name {
  font-family: var(--font-sans);
  font-size: 13px;
  font-weight: 600;
  color: var(--white);
}

.tcard-when {
  font-family: var(--font-sans);
  font-size: 11px;
  color: rgba(255,255,255,0.3);
  margin-top: 1px;
}

/* --- Controls --- */
.tslider-controls {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  margin-top: 28px;
}

.tslider-btn {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.15);
  background: transparent;
  color: rgba(255,255,255,0.6);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: border-color 0.2s, color 0.2s, background 0.2s;
  flex-shrink: 0;
}

.tslider-btn:hover {
  border-color: var(--gold);
  color: var(--gold);
  background: rgba(158,138,60,0.08);
}

.tslider-btn:disabled {
  opacity: 0.25;
  cursor: default;
}

.tslider-btn svg {
  width: 16px;
  height: 16px;
}

.tslider-dots {
  display: flex;
  align-items: center;
  gap: 6px;
}

.tslider-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: rgba(255,255,255,0.2);
  border: none;
  padding: 0;
  cursor: pointer;
  transition: background 0.2s, transform 0.2s, width 0.3s;
}

.tslider-dot.is-active {
  background: var(--gold);
  width: 20px;
  border-radius: 3px;
}

/* --- Responsive --- */
@media screen and (max-width: 900px) {
  .tslider-card { flex: 0 0 calc(50% - 12px); }
}

@media screen and (max-width: 580px) {
  .tslider-card { flex: 0 0 calc(100% - 0px); }
  .tslider-summary { flex-direction: column; align-items: flex-start; gap: 12px; }
  .tslider-google-link { align-self: flex-start; }
}