/* Mayur Patel — VEMA Mortgage
   Design tokens from Claude Design handoff */

:root {
  --ink: #171A20;
  --slate: #444B59;
  --muted: #5A6172;
  --faint: #8A90A0;
  --cream: #F7F4EE;
  --line: #E5DFD3;
  --line-strong: #D8D1C2;
  --red: #C2242C;
  --red-dark: #A31E25;
  --red-bright: #E03A42;
  --navy: #17233A;
  --navy-dark: #0F1828;
  --navy-text: #AAB4C6;
  --navy-text-light: #E8ECF4;
  --coral: #F0827E;
  --sora: 'Sora', sans-serif;
  --sans: 'Public Sans', sans-serif;
}

html { scroll-behavior: smooth; }
[hidden] { display: none !important; }
body {
  margin: 0;
  font-family: var(--sans);
  color: var(--ink);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
}
a { color: var(--red); text-decoration: none; }
a:hover { color: var(--red-dark); }
img { max-width: 100%; }
input, select { font-family: var(--sans); }
input:focus, select:focus { outline: 2px solid var(--red); outline-offset: 1px; border-color: var(--red); }

.container { max-width: 1140px; margin: 0 auto; padding-left: 24px; padding-right: 24px; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(247, 244, 238, 0.92);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}
.site-header .header-inner {
  padding-top: 14px; padding-bottom: 14px;
  display: flex; align-items: center; gap: 28px;
}
.brand { display: flex; align-items: baseline; gap: 10px; color: var(--ink); }
.brand:hover { color: var(--ink); }
.brand-name { font-family: var(--sora); font-weight: 800; font-size: 18px; letter-spacing: -0.02em; }
.brand-tag { font-size: 12px; font-weight: 600; color: var(--red); letter-spacing: 0.08em; text-transform: uppercase; }
.site-nav { display: flex; gap: 22px; margin-left: auto; font-size: 14px; font-weight: 600; }
.site-nav a { color: var(--slate); }
.site-nav a:hover, .site-nav a.active { color: var(--red); }
.header-phone { font-size: 14px; font-weight: 700; color: var(--ink); white-space: nowrap; }
.header-phone:hover { color: var(--red); }

/* ---------- Buttons ---------- */
.btn { display: inline-block; font-weight: 700; border-radius: 999px; text-align: center; cursor: pointer; font-family: var(--sans); border: none; }
.btn-red { background: var(--red); color: #fff; }
.btn-red:hover { background: var(--red-dark); color: #fff; }
.btn-red-bright:hover { background: var(--red-bright); }
.btn-red.glow { box-shadow: 0 4px 14px rgba(194, 36, 44, 0.35); }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-dark); color: #fff; }
.btn-outline { background: #fff; color: var(--ink); border: 1.5px solid var(--line-strong); }
.btn-outline:hover { border-color: var(--ink); color: var(--ink); }
.btn-sm { font-size: 14px; padding: 10px 22px; box-shadow: 0 2px 8px rgba(194, 36, 44, 0.3); }
.btn-md { font-size: 15px; padding: 14px 30px; }
.btn-lg { font-size: 16px; padding: 15px 32px; }
.btn-xl { font-size: 16px; padding: 16px 36px; }

/* ---------- Type helpers ---------- */
.eyebrow { font-size: 13px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--red); }
.eyebrow-coral { color: var(--coral); }
h1, h2, h3 { font-family: var(--sora); letter-spacing: -0.02em; }

/* ---------- Hero (home) ---------- */
.hero { padding-top: 72px; padding-bottom: 64px; display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 56px; align-items: center; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: #fff; border: 1px solid var(--line); border-radius: 999px;
  padding: 6px 14px; font-size: 12.5px; font-weight: 600; color: var(--muted); letter-spacing: 0.04em;
}
.hero-badge .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--red); display: inline-block; }
.hero h1 { font-size: 56px; line-height: 1.06; letter-spacing: -0.03em; font-weight: 800; margin: 22px 0 0; color: var(--ink); text-wrap: balance; }
.hero h1 .accent { color: var(--red); }
.hero-sub { font-size: 18px; line-height: 1.65; color: var(--muted); margin: 20px 0 0; max-width: 520px; text-wrap: pretty; }
.hero-ctas { display: flex; gap: 14px; margin-top: 32px; align-items: center; flex-wrap: wrap; }
.hero-alt-link {
  display: inline-block; margin-top: 16px; font-size: 14.5px; font-weight: 600; color: var(--muted);
  text-decoration: underline; text-underline-offset: 3px;
}
.hero-alt-link:hover { color: var(--red); }
.hero-stats { display: flex; gap: 28px; margin-top: 40px; }
.hero-stats .divider { width: 1px; background: var(--line); }
.hero-stats .stat-num { font-family: var(--sora); font-weight: 800; font-size: 22px; }
.hero-stats .stat-label { font-size: 13px; color: var(--muted); }

.hero-photo { position: relative; justify-self: end; }
.hero-photo .photo-backdrop { position: absolute; inset: 28px -18px -18px 28px; background: var(--navy); border-radius: 24px; }
.hero-photo img { position: relative; width: 380px; height: 460px; object-fit: cover; object-position: top; border-radius: 24px; display: block; }
.hero-photo .photo-card {
  position: absolute; left: -26px; bottom: 30px; background: #fff; border-radius: 14px;
  padding: 14px 20px; box-shadow: 0 10px 30px rgba(23, 35, 58, 0.18);
}
.photo-card-name { font-family: var(--sora); font-weight: 700; font-size: 16px; }
.photo-card-sub { font-size: 13px; color: var(--muted); }

/* ---------- Trust band ---------- */
.trust-band { background: var(--navy); color: var(--navy-text-light); }
.trust-band .container {
  padding-top: 18px; padding-bottom: 18px;
  display: flex; gap: 36px; align-items: center; justify-content: center;
  font-size: 14px; font-weight: 600; flex-wrap: wrap;
}
.trust-band .sep { opacity: 0.35; }

/* ---------- Section scaffolding ---------- */
.section-white { background: #fff; }
.section-head { text-align: center; max-width: 640px; margin: 0 auto; }
.section-head h2 { font-size: 38px; font-weight: 800; margin: 12px 0 0; }
.section-head p { font-size: 16.5px; line-height: 1.65; color: var(--muted); margin: 16px 0 0; }

/* ---------- Why cards ---------- */
.why-section { padding-top: 88px; padding-bottom: 88px; }
.why-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-top: 48px; }
.why-card { background: var(--cream); border-radius: 18px; padding: 28px 24px; }
.why-card .num {
  width: 42px; height: 42px; border-radius: 12px; background: var(--red); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--sora); font-weight: 800; font-size: 18px;
}
.why-card h3 { font-size: 18px; font-weight: 700; margin: 18px 0 0; }
.why-card p { font-size: 14.5px; line-height: 1.6; color: var(--muted); margin: 10px 0 0; }

/* ---------- Process ---------- */
.process { background: var(--navy); color: #fff; }
.process .container {
  padding-top: 88px; padding-bottom: 88px;
  display: grid; grid-template-columns: 0.8fr 1.2fr; gap: 64px; align-items: start;
}
.process h2 { font-size: 38px; font-weight: 800; margin: 12px 0 0; line-height: 1.15; }
.process .lede { font-size: 16px; line-height: 1.7; color: var(--navy-text); margin: 18px 0 0; }
.process .btn { margin-top: 28px; }
.process-step { display: flex; gap: 22px; padding: 22px 0; border-bottom: 1px solid rgba(255, 255, 255, 0.12); align-items: start; }
.process-step:last-child { border-bottom: none; }
.process-step .step-num {
  font-family: var(--sora); font-weight: 800; font-size: 15px; color: var(--coral);
  background: rgba(240, 130, 126, 0.12); border-radius: 999px;
  width: 40px; height: 40px; display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.process-step h3 { font-size: 18px; font-weight: 700; margin: 0; }
.process-step p { font-size: 14.5px; line-height: 1.6; color: var(--navy-text); margin: 8px 0 0; }

/* ---------- Testimonials ---------- */
.testimonials { padding-top: 88px; padding-bottom: 88px; }
.testimonials .section-head { max-width: 620px; }
.testimonial-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 48px; }
.testimonial-card { background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 28px; }
.testimonial-card .stars { color: var(--red); font-size: 16px; letter-spacing: 2px; }
.testimonial-card p { font-size: 15px; line-height: 1.7; color: var(--slate); margin: 14px 0 0; }
.testimonial-card .attribution { margin-top: 18px; font-weight: 700; font-size: 14px; }

/* ---------- Rate forecast ---------- */
.rate-forecast { background: #fff; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.rate-forecast .container {
  padding-top: 64px; padding-bottom: 64px;
  display: flex; align-items: center; gap: 48px; justify-content: space-between; flex-wrap: wrap;
}
.rate-forecast .copy { max-width: 560px; }
.rate-forecast h2 { font-size: 28px; font-weight: 800; margin: 0; }
.rate-forecast p { font-size: 15.5px; line-height: 1.65; color: var(--muted); margin: 12px 0 0; }
.rate-forecast .btn { flex-shrink: 0; }

/* ---------- Inquiry form ---------- */
.inquire { padding-top: 96px; padding-bottom: 96px; display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 64px; align-items: center; }
.inquire h2 { font-size: 42px; letter-spacing: -0.025em; font-weight: 800; margin: 12px 0 0; line-height: 1.12; text-wrap: balance; }
.inquire .lede { font-size: 17px; line-height: 1.7; color: var(--muted); margin: 18px 0 0; max-width: 440px; }
.inquire-perks { display: flex; gap: 24px; margin-top: 28px; font-size: 14px; color: var(--muted); flex-wrap: wrap; }
.inquire-perks .perk { display: flex; align-items: center; gap: 8px; }
.inquire-perks .check { color: var(--red); font-weight: 800; }

.form-card {
  background: #fff; border: 1px solid var(--line); border-radius: 20px; padding: 32px;
  box-shadow: 0 10px 30px rgba(23, 35, 58, 0.06);
}
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-grid .full { grid-column: 1 / -1; }
.form-grid label { font-size: 13px; font-weight: 700; color: var(--slate); display: block; margin-bottom: 6px; }
.form-grid label .optional { font-weight: 500; color: var(--faint); }
.form-grid input, .form-grid select {
  width: 100%; box-sizing: border-box; padding: 12px 14px;
  border: 1.5px solid var(--line-strong); border-radius: 10px; font-size: 15px;
}
.form-grid select { background: #fff; }
.form-error { grid-column: 1 / -1; font-size: 13.5px; color: var(--red); font-weight: 600; }
.form-grid .btn { grid-column: 1 / -1; font-size: 16px; padding: 15px 24px; }
.form-privacy { grid-column: 1 / -1; font-size: 12px; color: var(--faint); line-height: 1.5; }

.form-success { text-align: center; padding: 48px 16px; }
.form-success .check-circle {
  width: 56px; height: 56px; border-radius: 50%; background: var(--red); color: #fff;
  display: flex; align-items: center; justify-content: center; font-size: 26px; margin: 0 auto;
}
.form-success h3 { font-size: 22px; font-weight: 800; margin: 20px 0 0; }
.form-success p { font-size: 15px; line-height: 1.65; color: var(--muted); margin: 10px 0 0; }
.form-success a { font-weight: 700; }

/* ---------- Final CTA ---------- */
.final-cta { background: #fff; border-top: 1px solid var(--line); }
.final-cta .container { padding-top: 96px; padding-bottom: 96px; text-align: center; }
.final-cta h2 { font-size: 44px; letter-spacing: -0.025em; font-weight: 800; margin: 0; text-wrap: balance; }
.final-cta p { font-size: 17px; color: var(--muted); margin: 16px auto 0; max-width: 480px; }
.final-cta .cta-row { display: flex; gap: 14px; justify-content: center; margin-top: 32px; flex-wrap: wrap; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: var(--navy-text); }
.site-footer a { color: var(--navy-text-light); }
.site-footer a:hover { color: #fff; }
.site-footer .footer-inner { padding-top: 56px; padding-bottom: 32px; }
.footer-grid { display: grid; grid-template-columns: 1.2fr 1fr 1fr; gap: 48px; }
.footer-brand-name { font-family: var(--sora); font-weight: 800; font-size: 18px; color: #fff; }
.footer-col { display: flex; flex-direction: column; gap: 10px; font-size: 14px; }
.footer-col .apply-link { color: var(--coral); font-weight: 700; }
.footer-col .apply-link:hover { color: #fff; }
.footer-meta { font-size: 14px; margin-top: 6px; }
.footer-meta + .footer-meta { margin-top: 2px; }
.footer-address { font-size: 14px; margin-top: 14px; line-height: 1.6; }
.footer-legal {
  border-top: 1px solid rgba(255, 255, 255, 0.12); margin-top: 40px; padding-top: 24px;
  display: flex; justify-content: space-between; gap: 24px; font-size: 12.5px; line-height: 1.6; flex-wrap: wrap;
}

/* Compact footer (inner pages) */
.footer-compact .footer-inner { padding-top: 48px; }
.footer-compact .footer-row { display: flex; justify-content: space-between; gap: 32px; flex-wrap: wrap; }
.footer-compact .footer-brand-name { font-size: 17px; }
.footer-compact .footer-meta { font-size: 13.5px; }
.footer-compact .footer-links { display: flex; gap: 24px; font-size: 14px; align-items: center; flex-wrap: wrap; }
.footer-compact .footer-legal { margin-top: 32px; padding-top: 20px; display: block; }

/* ---------- About page ---------- */
.about-hero { padding-top: 80px; padding-bottom: 80px; display: grid; grid-template-columns: 0.85fr 1.15fr; gap: 64px; align-items: center; }
.about-photo { position: relative; justify-self: start; }
.about-photo .photo-backdrop { position: absolute; inset: 24px -16px -16px 24px; background: var(--red); border-radius: 24px; }
.about-photo img { position: relative; width: 360px; height: 440px; object-fit: cover; object-position: top; border-radius: 24px; display: block; }
.about-hero h1 { font-size: 46px; letter-spacing: -0.025em; font-weight: 800; margin: 14px 0 0; line-height: 1.1; }
.about-hero p { font-size: 17px; line-height: 1.7; color: var(--muted); margin: 20px 0 0; }
.about-hero p + p { margin-top: 14px; }
.about-hero .cta-row { display: flex; gap: 14px; margin-top: 30px; flex-wrap: wrap; }

.credentials { background: #fff; }
.credentials .container { padding-top: 72px; padding-bottom: 72px; }
.credentials-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.credential { border-left: 3px solid var(--red); padding-left: 20px; }
.credential .cred-title { font-family: var(--sora); font-weight: 800; font-size: 24px; }
.credential .cred-sub { font-size: 14px; color: var(--muted); margin-top: 6px; }

.promise { max-width: 900px; margin: 0 auto; padding: 88px 24px; text-align: center; }
.promise blockquote { font-family: var(--sora); font-size: 34px; letter-spacing: -0.02em; font-weight: 800; margin: 14px 0 0; line-height: 1.25; text-wrap: balance; }
.promise .attribution { margin-top: 24px; font-weight: 700; }
.promise .cta-row { display: flex; gap: 14px; justify-content: center; margin-top: 36px; }

/* ---------- Loan options page ---------- */
.loans-hero { max-width: 800px; margin: 0 auto; padding: 80px 24px 56px; text-align: center; }
.loans-hero h1 { font-size: 48px; letter-spacing: -0.025em; font-weight: 800; margin: 14px 0 0; line-height: 1.1; text-wrap: balance; }
.loans-hero p { font-size: 17px; line-height: 1.7; color: var(--muted); margin: 18px auto 0; max-width: 560px; }

.loans-section { padding-bottom: 88px; }
.loan-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.loan-card { background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 30px 28px; transition: border-color 0.15s ease, box-shadow 0.15s ease; }
.loan-card:hover { border-color: var(--red); box-shadow: 0 8px 24px rgba(23, 35, 58, 0.08); }
.loan-card .loan-tag { font-family: var(--sora); font-weight: 800; font-size: 13px; color: var(--red); letter-spacing: 0.1em; text-transform: uppercase; }
.loan-card h2 { font-size: 20px; font-weight: 700; margin: 12px 0 0; }
.loan-card p { font-size: 14.5px; line-height: 1.65; color: var(--muted); margin: 12px 0 0; }
.loans-cta { text-align: center; margin-top: 44px; }

.faq-section { background: #fff; border-top: 1px solid var(--line); }
.faq-section .container { max-width: 840px; padding-top: 88px; padding-bottom: 88px; }
.faq-section h2 { font-size: 36px; font-weight: 800; margin: 12px 0 0; }
.faq-list { margin-top: 44px; display: grid; gap: 12px; }
.faq-item { background: var(--cream); border: 1px solid var(--line); border-radius: 14px; overflow: hidden; }
.faq-item button {
  width: 100%; text-align: left; background: none; border: none; padding: 20px 24px;
  display: flex; justify-content: space-between; align-items: center; gap: 16px; cursor: pointer;
  font-family: var(--sora); font-size: 16.5px; font-weight: 700; color: var(--ink);
}
.faq-item .faq-icon { color: var(--red); font-size: 20px; font-weight: 400; flex-shrink: 0; }
.faq-item .faq-answer { padding: 0 24px 20px; font-size: 15px; line-height: 1.7; color: var(--muted); display: none; }
.faq-item.open .faq-answer { display: block; }
.faq-footnote { text-align: center; font-size: 15px; color: var(--muted); margin-top: 36px; }
.faq-footnote a { font-weight: 700; }

/* ---------- Calculator page ---------- */
.calc-section { padding-top: 72px; padding-bottom: 88px; }
.calc-head { text-align: center; max-width: 640px; margin: 0 auto 48px; }
.calc-head h1 { font-size: 44px; letter-spacing: -0.025em; font-weight: 800; margin: 14px 0 0; line-height: 1.12; text-wrap: balance; }
.calc-head p { font-size: 16px; line-height: 1.65; color: var(--muted); margin: 16px 0 0; }
.calc-grid { display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 28px; align-items: start; }
.calc-inputs {
  background: #fff; border: 1px solid var(--line); border-radius: 20px; padding: 32px;
  display: grid; grid-template-columns: 1fr 1fr; gap: 20px;
}
.calc-inputs label { font-size: 13px; font-weight: 700; color: var(--slate); display: block; margin-bottom: 6px; }
.calc-inputs label .hint { color: var(--faint); font-weight: 600; }
.calc-inputs input, .calc-inputs select {
  width: 100%; box-sizing: border-box; padding: 12px 14px;
  border: 1.5px solid var(--line-strong); border-radius: 10px; font-size: 16px; font-weight: 600;
}
.calc-inputs select { background: #fff; }
.calc-result { background: var(--navy); color: #fff; border-radius: 20px; padding: 32px; position: sticky; top: 90px; }
.calc-result .result-label { font-size: 13px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--coral); }
.calc-result .result-total { font-family: var(--sora); font-weight: 800; font-size: 52px; letter-spacing: -0.02em; margin-top: 10px; }
.calc-breakdown { margin-top: 26px; display: grid; gap: 12px; font-size: 14.5px; }
.calc-breakdown .row { display: flex; justify-content: space-between; gap: 12px; border-bottom: 1px solid rgba(255, 255, 255, 0.12); padding-bottom: 12px; }
.calc-breakdown .row:last-child { border-bottom: none; padding-bottom: 0; }
.calc-breakdown .row span:first-child { color: var(--navy-text); }
.calc-breakdown .row span:last-child { font-weight: 700; }
.calc-loan-amount { margin-top: 24px; font-size: 13px; color: var(--navy-text); }
.calc-loan-amount strong { font-weight: 700; color: #fff; }
.calc-result .btn { display: block; margin-top: 22px; font-size: 15.5px; padding: 15px 24px; }
.calc-disclaimer { margin-top: 14px; font-size: 12px; color: #8A93A8; line-height: 1.5; }

/* ---------- Contact page ---------- */
.contact-section { padding-top: 80px; padding-bottom: 88px; }
.contact-head { max-width: 640px; }
.contact-head h1 { font-size: 48px; letter-spacing: -0.025em; font-weight: 800; margin: 14px 0 0; line-height: 1.1; }
.contact-head p { font-size: 17px; line-height: 1.7; color: var(--muted); margin: 18px 0 0; }
.contact-grid { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 20px; margin-top: 48px; }
.contact-card {
  background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 28px;
  color: var(--ink); display: block; transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.contact-card:hover { border-color: var(--red); box-shadow: 0 8px 24px rgba(23, 35, 58, 0.08); color: var(--ink); }
.contact-card .card-icon {
  width: 44px; height: 44px; border-radius: 12px; color: #fff;
  display: flex; align-items: center; justify-content: center; font-size: 20px;
}
.contact-card .icon-red { background: var(--red); }
.contact-card .icon-navy { background: var(--navy); font-size: 18px; }
.contact-card h2 { font-size: 18px; font-weight: 700; margin: 18px 0 0; }
.contact-card .card-detail { font-size: 15px; color: var(--muted); margin-top: 6px; }
.contact-card .card-note { font-size: 13.5px; color: var(--faint); margin-top: 10px; }
.contact-card.card-apply { background: var(--red); border-color: var(--red); color: #fff; }
.contact-card.card-apply:hover { background: var(--red-dark); color: #fff; border-color: var(--red-dark); box-shadow: none; }
.contact-card.card-apply .card-icon { background: rgba(255, 255, 255, 0.18); font-size: 18px; }
.contact-card.card-apply .card-detail { color: #fff; opacity: 0.92; }
.contact-card.card-apply .card-note { color: #fff; opacity: 0.8; }
.office-grid { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 20px; margin-top: 20px; }
.office-card { background: var(--navy); color: #fff; border-radius: 18px; padding: 32px; }
.office-card .office-name { font-family: var(--sora); font-weight: 800; font-size: 24px; margin-top: 12px; }
.office-card .office-address { font-size: 15.5px; line-height: 1.7; color: var(--navy-text); margin-top: 12px; }
.office-card .office-meta { margin-top: 22px; display: grid; gap: 8px; font-size: 14.5px; }
.office-card .office-meta .label { color: var(--navy-text); }
.office-card .office-meta strong { font-weight: 700; }
.office-card .office-meta a { color: var(--coral); font-weight: 700; }
.office-card .office-meta a:hover { color: #fff; }
.office-map { width: 100%; height: 100%; min-height: 320px; border: 1px solid var(--line); border-radius: 18px; }

/* ---------- Schedule page ---------- */
.schedule-section { padding-top: 72px; padding-bottom: 88px; }
.schedule-head { text-align: center; max-width: 660px; margin: 0 auto 48px; }
.schedule-head h1 { font-size: 44px; letter-spacing: -0.025em; font-weight: 800; margin: 14px 0 0; line-height: 1.12; text-wrap: balance; }
.schedule-head p { font-size: 16.5px; line-height: 1.65; color: var(--muted); margin: 16px 0 0; }
.schedule-steps { max-width: 760px; margin: 0 auto; display: grid; gap: 20px; }
.step-header { display: flex; align-items: center; gap: 14px; margin-bottom: 18px; }
.step-badge {
  width: 40px; height: 40px; border-radius: 999px; background: var(--red); color: #fff;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
  font-family: var(--sora); font-weight: 800; font-size: 16px;
}
.step-header h2 { font-size: 22px; font-weight: 800; margin: 0; }
.step-header .step-sub { font-size: 14px; color: var(--muted); margin: 2px 0 0; }
.scheduler-card {
  background: #fff; border: 1px solid var(--line); border-radius: 20px; padding: 32px;
  box-shadow: 0 10px 30px rgba(23, 35, 58, 0.06);
}
.scheduler-frame { width: 100%; height: 720px; border: 1px solid var(--line); border-radius: 14px; display: block; }
.schedule-confirm {
  display: flex; align-items: center; gap: 14px; background: #fff; border: 1px solid var(--line);
  border-radius: 14px; padding: 16px 20px; font-size: 15px; color: var(--slate);
}
.schedule-confirm .check-circle-sm {
  width: 34px; height: 34px; border-radius: 50%; background: var(--red); color: #fff;
  display: flex; align-items: center; justify-content: center; font-size: 16px; flex-shrink: 0;
}
.schedule-fallback { text-align: center; font-size: 14px; color: var(--muted); margin-top: 16px; }
.schedule-fallback a { font-weight: 700; }

/* ---------- Responsive ---------- */
@media (max-width: 1000px) {
  .hero { grid-template-columns: 1fr; gap: 48px; }
  .hero-photo { justify-self: center; }
  .hero-photo .photo-card { left: -12px; }
  .why-grid, .credentials-grid { grid-template-columns: 1fr 1fr; }
  .process .container { grid-template-columns: 1fr; gap: 40px; }
  .testimonial-grid, .loan-grid, .contact-grid { grid-template-columns: 1fr 1fr; }
  .inquire { grid-template-columns: 1fr; gap: 48px; }
  .about-hero { grid-template-columns: 1fr; gap: 48px; }
  .about-photo { justify-self: center; }
  .calc-grid { grid-template-columns: 1fr; }
  .calc-result { position: static; }
  .office-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
}

@media (max-width: 720px) {
  .site-header .header-inner { flex-wrap: wrap; gap: 12px 20px; }
  .site-nav { order: 3; width: 100%; margin-left: 0; gap: 18px; flex-wrap: wrap; }
  .header-phone { margin-left: auto; }
  .hero { padding-top: 48px; }
  .hero h1 { font-size: 40px; }
  .hero-photo img { width: 100%; max-width: 380px; height: auto; aspect-ratio: 380 / 460; }
  .hero-stats { flex-wrap: wrap; }
  .why-grid, .testimonial-grid, .loan-grid, .contact-grid, .credentials-grid { grid-template-columns: 1fr; }
  .section-head h2, .process h2 { font-size: 30px; }
  .inquire h2, .final-cta h2, .about-hero h1, .loans-hero h1, .calc-head h1, .contact-head h1 { font-size: 34px; }
  .promise blockquote { font-size: 26px; }
  .form-grid, .calc-inputs { grid-template-columns: 1fr; }
  .about-photo img { width: 100%; max-width: 360px; height: auto; aspect-ratio: 360 / 440; }
  .calc-result .result-total { font-size: 42px; }
  .schedule-head h1 { font-size: 34px; }
  .scheduler-card { padding: 16px; }
  .scheduler-frame { height: 640px; }
  .footer-legal { flex-direction: column; gap: 12px; }
}