@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,300;0,400;0,600;1,300;1,400&family=Outfit:wght@300;400;500;600&display=swap');

:root {
  --gold: #C4A35A;
  --gold-light: #D4B87A;
  --gold-dim: #8A6F3A;
  --black: #0A0A0A;
  --dark: #111111;
  --dark2: #1A1A1A;
  --dark3: #242424;
  --gray: #888888;
  --gray-light: #BBBBBB;
  --white: #F5F2EC;
  --white2: #FDFBF7;
  --border: rgba(196,163,90,0.2);
  --font-display: 'Cormorant Garamond', Georgia, serif;
  --font-body: 'Outfit', sans-serif;
  --nav-h: 76px;
  --max: 1200px;
  --ease: cubic-bezier(0.25, 0.46, 0.45, 0.94);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  background: var(--black);
  color: var(--white);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.7;
  font-weight: 300;
  -webkit-font-smoothing: antialiased;
}

img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }

/* ─── NOISE TEXTURE OVERLAY ─── */
body::before {
  content: '';
  position: fixed;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noise'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noise)' opacity='0.03'/%3E%3C/svg%3E");
  pointer-events: none;
  z-index: 9999;
  opacity: .4;
}

/* ─── NAV ─── */
nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  height: var(--nav-h);
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 48px;
  z-index: 100;
  transition: background .4s var(--ease), border-color .4s;
  border-bottom: 1px solid transparent;
}
nav.scrolled {
  background: rgba(10,10,10,0.95);
  backdrop-filter: blur(12px);
  border-color: var(--border);
}
.nav-logo {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 600;
  letter-spacing: .04em;
  color: var(--white);
  display: flex;
  align-items: center;
  gap: 10px;
}
.nav-logo span { color: var(--gold); }
.nav-logo img {
  height: 52px;
  width: auto;
  display: block;
  border-radius: 2px;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 36px;
  list-style: none;
}
.nav-links a {
  font-size: 13px;
  font-weight: 400;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--gray-light);
  transition: color .2s;
  position: relative;
}
.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -4px; left: 0; right: 0;
  height: 1px;
  background: var(--gold);
  transform: scaleX(0);
  transition: transform .3s var(--ease);
}
.nav-links a:hover, .nav-links a.active { color: var(--white); }
.nav-links a:hover::after, .nav-links a.active::after { transform: scaleX(1); }

.nav-actions { display: flex; align-items: center; gap: 16px; }

.lang-toggle {
  display: flex;
  align-items: center;
  gap: 2px;
  background: var(--dark3);
  border: 1px solid var(--border);
  border-radius: 100px;
  padding: 3px;
}
.lang-btn {
  font-size: 11px;
  font-weight: 500;
  letter-spacing: .06em;
  padding: 4px 12px;
  border-radius: 100px;
  cursor: pointer;
  color: var(--gray);
  transition: all .2s;
  background: none;
  border: none;
}
.lang-btn.active {
  background: var(--gold);
  color: var(--black);
}

.btn-nav {
  font-size: 12px;
  font-weight: 500;
  letter-spacing: .1em;
  text-transform: uppercase;
  padding: 10px 24px;
  background: var(--gold);
  color: var(--black);
  border-radius: 2px;
  transition: background .2s, transform .15s;
}
.btn-nav:hover { background: var(--gold-light); transform: translateY(-1px); }
.btn-nav-outline {
  background: transparent;
  color: var(--gold);
  border: 1px solid var(--gold);
}
.btn-nav-outline:hover { background: rgba(196,163,90,0.08); transform: translateY(-1px); }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  background: none;
  border: none;
  padding: 4px;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 1.5px;
  background: var(--white);
  transition: all .3s;
}

/* ─── MOBILE NAV ─── */
.mobile-menu {
  display: none;
  position: fixed;
  inset: 0;
  background: var(--black);
  z-index: 99;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 32px;
}
.mobile-menu.open { display: flex; }
.mobile-menu a {
  font-family: var(--font-display);
  font-size: 32px;
  font-weight: 300;
  letter-spacing: .04em;
  color: var(--white);
  transition: color .2s;
}
.mobile-menu a:hover { color: var(--gold); }
.mobile-menu .btn-nav { font-size: 14px; margin-top: 16px; }
.mobile-close {
  position: absolute;
  top: 28px; right: 32px;
  font-size: 28px;
  background: none;
  border: none;
  color: var(--white);
  cursor: pointer;
  line-height: 1;
}

/* ─── BUTTONS ─── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 500;
  letter-spacing: .12em;
  text-transform: uppercase;
  padding: 16px 36px;
  border-radius: 2px;
  cursor: pointer;
  transition: all .25s var(--ease);
  border: none;
}
.btn-primary {
  background: var(--gold);
  color: var(--black);
}
.btn-primary:hover { background: var(--gold-light); transform: translateY(-2px); }
.btn-outline {
  background: transparent;
  color: var(--white);
  border: 1px solid var(--border);
}
.btn-outline:hover {
  border-color: var(--gold);
  color: var(--gold);
  transform: translateY(-2px);
}
.btn svg { width: 16px; height: 16px; flex-shrink: 0; }

/* ─── SECTION COMMONS ─── */
section { position: relative; }
.container { max-width: var(--max); margin: 0 auto; padding: 0 48px; }

.section-label {
  font-size: 11px;
  font-weight: 500;
  letter-spacing: .2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  gap: 12px;
}
.section-label::before {
  content: '';
  display: block;
  width: 32px;
  height: 1px;
  background: var(--gold);
}

h1, h2, h3, h4 { font-family: var(--font-display); font-weight: 300; line-height: 1.15; }
h1 { font-size: clamp(48px, 6vw, 90px); }
h2 { font-size: clamp(36px, 4vw, 60px); }
h3 { font-size: clamp(24px, 2.5vw, 36px); }
h4 { font-size: 22px; }

.gold { color: var(--gold); }
.italic { font-style: italic; }

/* ─── DIVIDER ─── */
.gold-rule {
  width: 64px;
  height: 1px;
  background: linear-gradient(to right, var(--gold), transparent);
  margin: 24px 0;
}

/* ─── FOOTER ─── */
footer {
  background: var(--dark);
  border-top: 1px solid var(--border);
  padding: 64px 0 32px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 48px;
  margin-bottom: 48px;
}
.footer-logo {
  font-family: var(--font-display);
  font-size: 26px;
  font-weight: 600;
  color: var(--white);
  margin-bottom: 16px;
}
.footer-logo span { color: var(--gold); }
.footer-desc {
  font-size: 14px;
  color: var(--gray);
  line-height: 1.8;
  max-width: 300px;
}
.footer-col h5 {
  font-family: var(--font-body);
  font-size: 11px;
  font-weight: 500;
  letter-spacing: .15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
}
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul a {
  font-size: 14px;
  color: var(--gray);
  transition: color .2s;
}
.footer-col ul a:hover { color: var(--white); }
.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14px;
  color: var(--gray);
  margin-bottom: 12px;
}
.footer-contact-item svg { width: 16px; height: 16px; margin-top: 3px; flex-shrink: 0; color: var(--gold); }
.footer-bottom {
  border-top: 1px solid var(--border);
  padding-top: 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 12px;
  color: var(--gray);
}
.nmls-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 11px;
  color: var(--gray);
  border: 1px solid var(--border);
  padding: 4px 12px;
  border-radius: 2px;
}

/* ─── CONTACT MODAL ─── */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,.85);
  z-index: 200;
  align-items: center;
  justify-content: center;
  backdrop-filter: blur(6px);
}
.modal-overlay.open { display: flex; }
.modal {
  background: var(--dark2);
  border: 1px solid var(--border);
  border-radius: 4px;
  width: 100%;
  max-width: 520px;
  padding: 48px;
  position: relative;
  animation: modalIn .35s var(--ease);
}
@keyframes modalIn {
  from { opacity: 0; transform: translateY(20px); }
  to   { opacity: 1; transform: translateY(0); }
}
.modal-close {
  position: absolute;
  top: 20px; right: 24px;
  background: none;
  border: none;
  color: var(--gray);
  font-size: 24px;
  cursor: pointer;
  line-height: 1;
  transition: color .2s;
}
.modal-close:hover { color: var(--white); }
.modal h3 {
  font-size: 32px;
  margin-bottom: 8px;
}
.modal p { font-size: 14px; color: var(--gray); margin-bottom: 32px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { margin-bottom: 16px; }
.form-group label {
  display: block;
  font-size: 11px;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--gray);
  margin-bottom: 8px;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  background: var(--dark3);
  border: 1px solid var(--border);
  border-radius: 2px;
  padding: 12px 16px;
  font-family: var(--font-body);
  font-size: 14px;
  color: var(--white);
  transition: border-color .2s;
  outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { border-color: var(--gold); }
.form-group textarea { resize: vertical; min-height: 100px; }
.form-success {
  display: none;
  text-align: center;
  padding: 24px 0;
}
.form-success svg { width: 48px; height: 48px; color: var(--gold); margin: 0 auto 16px; }
.form-success h4 { font-size: 28px; margin-bottom: 8px; }
.form-success p { color: var(--gray); font-size: 14px; }

/* ─── SCROLL REVEAL ─── */
.reveal {
  opacity: 0;
  transform: translateY(32px);
  transition: opacity .7s var(--ease), transform .7s var(--ease);
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}
.reveal-delay-1 { transition-delay: .1s; }
.reveal-delay-2 { transition-delay: .2s; }
.reveal-delay-3 { transition-delay: .3s; }
.reveal-delay-4 { transition-delay: .4s; }

/* ─── GOAL SELECTOR ─── */
.goal-selector {
  animation: fadeUp .8s .25s var(--ease) both;
  max-width: 640px;
}
.goal-label {
  font-size: 12px;
  font-weight: 500;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--gray);
  margin-bottom: 14px;
}
.goal-options {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.goal-btn {
  display: flex;
  align-items: center;
  gap: 16px;
  width: 100%;
  background: var(--dark2);
  border: 1px solid var(--border);
  border-radius: 2px;
  padding: 16px 20px;
  cursor: pointer;
  text-align: left;
  color: var(--white);
  transition: border-color .25s, background .25s, transform .2s;
  font-family: var(--font-body);
}
.goal-btn:hover {
  border-color: var(--gold);
  background: var(--dark3);
  transform: translateX(4px);
}
.goal-btn-icon {
  width: 36px;
  height: 36px;
  border: 1px solid var(--border);
  border-radius: 2px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  flex-shrink: 0;
  transition: background .25s, border-color .25s;
}
.goal-btn:hover .goal-btn-icon {
  background: rgba(196,163,90,0.1);
  border-color: var(--gold);
}
.goal-btn-icon svg { width: 18px; height: 18px; }
.goal-btn-text {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.goal-btn-title {
  font-size: 15px;
  font-weight: 500;
  color: var(--white);
  line-height: 1.2;
}
.goal-btn-sub {
  font-size: 12px;
  color: var(--gray);
  font-weight: 300;
}
.goal-btn-arrow {
  width: 16px;
  height: 16px;
  color: var(--gold);
  flex-shrink: 0;
  opacity: 0;
  transform: translateX(-4px);
  transition: opacity .2s, transform .2s;
}
.goal-btn:hover .goal-btn-arrow {
  opacity: 1;
  transform: translateX(0);
}
.goal-footer {
  margin-top: 14px;
  font-size: 13px;
  color: var(--gray);
}
.goal-footer-link {
  color: var(--gold);
  transition: color .2s;
}
.goal-footer-link:hover { color: var(--gold-light); }

/* ─── HERO TRUST CHIPS ─── */
.hero-trust {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px 0;
  margin-top: 28px;
  animation: fadeUp .8s .35s var(--ease) both;
}
.trust-chip {
  font-size: 12px;
  color: var(--gray);
  letter-spacing: .04em;
  display: flex;
  align-items: center;
  padding: 0 14px;
}
.trust-chip:first-child { padding-left: 0; }
.trust-chip-divider {
  width: 1px;
  height: 14px;
  background: var(--border);
  padding: 0;
  flex-shrink: 0;
}

/* ─── BROKER vs BANK SECTION ─── */
.broker-section {
  padding: 120px 0;
  background: var(--dark);
  border-top: 1px solid var(--border);
}
.broker-intro {
  max-width: 640px;
  margin-bottom: 56px;
}
.broker-lead {
  font-size: 17px;
  color: var(--gray-light);
  line-height: 1.7;
  margin-top: 20px;
}
.broker-compare-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2px;
}
.broker-col {
  padding: 40px 36px;
}
.broker-bank {
  background: var(--dark2);
}
.broker-miv {
  background: var(--dark3);
  border: 1px solid var(--gold);
  position: relative;
}
.broker-col-header {
  font-size: 13px;
  font-weight: 500;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--gray);
  margin-bottom: 28px;
  display: flex;
  align-items: center;
}
.broker-miv .broker-col-header { color: var(--gold); }
.broker-list {
  list-style: none;
}
.broker-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 12px 0;
  border-bottom: 1px solid var(--border);
  font-size: 15px;
  color: var(--gray-light);
  line-height: 1.5;
}
.broker-list li:last-child { border-bottom: none; }
.broker-x {
  color: #888;
  font-size: 14px;
  flex-shrink: 0;
  width: 20px;
  text-align: center;
  margin-top: 1px;
}
.broker-check {
  color: var(--gold);
  font-size: 14px;
  flex-shrink: 0;
  width: 20px;
  text-align: center;
  margin-top: 1px;
}
.broker-list-yes span:last-child { color: var(--white); }

/* ─── FAQ SECTION ─── */
.faq-section {
  padding: 120px 0;
  background: var(--black);
}
.faq-header {
  max-width: 560px;
  margin-bottom: 56px;
}
.faq-list {
  max-width: 800px;
}
.faq-item {
  border-bottom: 1px solid var(--border);
}
.faq-item:first-child {
  border-top: 1px solid var(--border);
}
.faq-q {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 22px 0;
  cursor: pointer;
  font-size: 16px;
  font-weight: 400;
  color: var(--white);
  list-style: none;
  user-select: none;
  transition: color .2s;
}
.faq-q::-webkit-details-marker { display: none; }
.faq-q:hover { color: var(--gold); }
.faq-icon {
  width: 24px;
  height: 24px;
  border: 1px solid var(--border);
  border-radius: 50%;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  transition: border-color .2s, background .2s;
}
.faq-icon::before,
.faq-icon::after {
  content: '';
  position: absolute;
  background: var(--gold);
  border-radius: 1px;
  transition: transform .25s, opacity .25s;
}
.faq-icon::before { width: 10px; height: 1.5px; }
.faq-icon::after  { width: 1.5px; height: 10px; }
details[open] .faq-icon { background: rgba(196,163,90,0.12); border-color: var(--gold); }
details[open] .faq-icon::after { transform: rotate(90deg); opacity: 0; }
.faq-a {
  padding: 0 48px 24px 0;
  font-size: 15px;
  color: var(--gray-light);
  line-height: 1.8;
}

/* ─── STICKY MOBILE CTA ─── */
.sticky-cta {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 150;
  border-top: 1px solid var(--border);
  background: rgba(10,10,10,0.97);
  backdrop-filter: blur(10px);
}
.sticky-cta-btn {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 16px 12px;
  font-size: 13px;
  font-weight: 500;
  letter-spacing: .08em;
  text-transform: uppercase;
  transition: background .2s;
}
.sticky-cta-call {
  color: var(--gold);
  border-right: 1px solid var(--border);
}
.sticky-cta-call:hover { background: rgba(196,163,90,0.08); }
.sticky-cta-apply {
  background: var(--gold);
  color: var(--black);
}
.sticky-cta-apply:hover { background: var(--gold-light); }

/* ─── RESPONSIVE ─── */
@media (max-width: 900px) {
  nav { padding: 0 24px; }
  .nav-links, .nav-actions .btn-nav { display: none; }
  .hamburger { display: flex; }
  .container { padding: 0 24px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .modal { padding: 32px 24px; }
  .form-row { grid-template-columns: 1fr; }
  .broker-compare-grid { grid-template-columns: 1fr; }
  .broker-miv { border: 1px solid var(--gold); }
  .sticky-cta { display: flex; }
  /* add bottom padding so footer isn't hidden behind sticky bar */
  footer { padding-bottom: 80px; }
}
@media (max-width: 600px) {
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; gap: 12px; text-align: center; }
  .hero-trust { gap: 6px 0; }
  .trust-chip { font-size: 11px; padding: 0 10px; }
  .faq-a { padding-right: 0; }
}