/*
  ================================================================
  LOAN MORTGAGE PRO — Shared Stylesheet
  ================================================================
*/

@import url('https://fonts.googleapis.com/css2?family=Fraunces:opsz,wght@9..144,400;9..144,600;9..144,700;9..144,800&family=DM+Sans:opsz,wght@9..40,300;9..40,400;9..40,500;9..40,600;9..40,700&display=swap');

:root {
  --blue:         #1877F2;
  --blue-mid:     #1360cc;
  --blue-dark:    #0d47a1;
  --blue-darker:  #09348a;
  --blue-deep:    #062272;
  --blue-light:   #e8f0fe;
  --blue-pale:    #f0f4ff;
  --green:        #087842;
  --green-bright: #0a8a52;
  --green-light:  #e6f7f1;
  --white:        #ffffff;
  --off-white:    #f5f8ff;
  --gray-light:   #e2e8f0;
  --gray:         #94a3b8;
  --text-dark:    #0d1b2a;
  --text-mid:     #334155;
  --text-light:   #64748b;
}

*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: "DM Sans", sans-serif; color: var(--text-dark); line-height: 1.65; overflow-x: hidden; margin: 0; padding: 0; }
h1, h2, h3, h4 { font-family: "Fraunces", serif; line-height: 1.2; }
a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }

/* ===== NAVIGATION ===== */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: rgba(13, 58, 168, 0.98);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  height: 88px; display: flex; align-items: center;
  justify-content: space-between; padding: 0 4%;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
/* LOGO AREA */
.nav-logo-wrap {
  display: flex; align-items: center; gap: .75rem;
}
.nav-logo-img {
  height: 68px; width: auto; object-fit: contain; max-width: 80px;
  /* ✏️ Your logo will appear here once uploaded */
}
.nav-logo-text {
  font-family: "Fraunces", serif; font-size: 2.2rem; font-weight: 800;
  color: #fff; letter-spacing: -.3px; white-space: nowrap;
}
.nav-logo-text span { color: #3ddc84; }  /* bright on blue nav */
/* If you have a logo image, hide the text logo:
   .nav-logo-text { display: none; }        */

.nav-links { display: flex; list-style: none; gap: 0; align-items: center; }
.nav-links li a {
  color: rgba(255,255,255,0.88); font-size: 0.88rem; font-weight: 500;
  padding: .5rem .9rem; border-radius: 5px;
  transition: all .18s; white-space: nowrap;
}
.nav-links li a:hover, .nav-links li a.active {
  color: #fff; background: rgba(255,255,255,.15);
}
.nav-apply {
  background: #fff !important;
  color: var(--blue) !important; font-weight: 700 !important;
  padding: .5rem 1.2rem !important; border-radius: 7px !important;
  margin-left: .4rem;
}
.nav-apply:hover {
  background: var(--green-bright) !important;
  color: #fff !important;
  box-shadow: 0 4px 14px rgba(18,184,121,.4);
}

.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; background: none; border: none; padding: 4px; }
.hamburger span { width: 24px; height: 2px; background: #fff; display: block; border-radius: 2px; transition: .3s; }

/* ===== PAGE HERO (inner pages) ===== */
.page-hero {
  min-height: 360px; padding-top: 88px;
  background-size: cover; background-position: center;
  display: flex; align-items: center; position: relative;
}
.page-hero::before {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(100deg,
    rgba(11,40,140,0.92) 0%,
    rgba(13,71,161,0.78) 50%,
    rgba(24,119,242,0.45) 100%);
}
.page-hero-inner { position: relative; z-index: 1; padding: 60px 5%; }
.page-hero-tag {
  font-size: .76rem; font-weight: 700; letter-spacing: 2.5px;
  text-transform: uppercase; color: #a8c8ff; margin-bottom: .65rem;
}
.page-hero h1 { font-size: clamp(2rem,4.5vw,3rem); color: #fff; margin-bottom: .75rem; font-weight: 800; }
.page-hero p { color: rgba(255,255,255,0.72); font-size: 1.05rem; max-width: 520px; }

/* ===== SECTION UTILITIES ===== */
section { padding: 80px 5%; }
.section-tag { font-size: .76rem; font-weight: 700; letter-spacing: 2.5px; text-transform: uppercase; color: var(--blue); margin-bottom: .7rem; }
.section-title { font-size: clamp(1.75rem,3.5vw,2.8rem); color: var(--blue-dark); margin-bottom: .9rem; }
.section-sub { font-size: 1rem; color: var(--text-light); max-width: 580px; line-height: 1.75; }
.section-header { margin-bottom: 3rem; }
.centered { text-align: center; }
.centered .section-sub { margin: 0 auto; }

/* ===== BUTTONS ===== */
.btn-primary {
  background: var(--green-bright); color: #fff;
  padding: .88rem 1.9rem; border-radius: 8px; font-weight: 700;
  font-size: .97rem; border: none; cursor: pointer; transition: all .2s;
  display: inline-block; font-family: "DM Sans", sans-serif;
}
.btn-primary:hover { background: #0fa86a; transform: translateY(-2px); box-shadow: 0 8px 22px rgba(18,184,121,.38); }

.btn-blue {
  background: var(--blue); color: #fff;
  padding: .88rem 1.9rem; border-radius: 8px; font-weight: 700;
  font-size: .97rem; border: none; cursor: pointer; transition: all .2s;
  display: inline-block; font-family: "DM Sans", sans-serif;
}
.btn-blue:hover { background: var(--blue-mid); transform: translateY(-2px); }

.btn-white {
  background: #fff; color: var(--blue);
  padding: .88rem 1.9rem; border-radius: 8px; font-weight: 700;
  font-size: .97rem; border: none; cursor: pointer; transition: all .2s;
  display: inline-block; font-family: "DM Sans", sans-serif;
}
.btn-white:hover { background: var(--blue-light); }

.btn-outline {
  background: transparent; color: var(--blue-dark);
  padding: .82rem 1.9rem; border-radius: 8px; font-weight: 600;
  font-size: .97rem; border: 2px solid var(--blue); cursor: pointer; transition: all .2s;
  display: inline-block; font-family: "DM Sans", sans-serif;
}
.btn-outline:hover { background: var(--blue); color: #fff; }

.btn-ghost-white {
  background: transparent; color: #fff;
  padding: .82rem 1.9rem; border-radius: 8px; font-weight: 600;
  font-size: .97rem; border: 1.5px solid rgba(255,255,255,.45);
  cursor: pointer; transition: all .2s; display: inline-block;
  font-family: "DM Sans", sans-serif;
}
.btn-ghost-white:hover { background: rgba(255,255,255,.15); border-color: #fff; }

.btn-green-outline {
  background: transparent; color: var(--green-bright);
  padding: .82rem 1.9rem; border-radius: 8px; font-weight: 600;
  font-size: .97rem; border: 1.5px solid var(--green-bright);
  cursor: pointer; transition: all .2s; display: inline-block;
  font-family: "DM Sans", sans-serif;
}
.btn-green-outline:hover { background: var(--green-bright); color: #fff; }

/* ===== FORMS ===== */
.form-group { margin-bottom: 1.1rem; }
.form-group label { display: block; font-size: .83rem; font-weight: 600; color: var(--text-mid); margin-bottom: .38rem; }
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%; border: 1.5px solid var(--gray-light); border-radius: 8px;
  padding: .78rem 1rem; font-family: "DM Sans", sans-serif; font-size: .93rem;
  color: var(--text-dark); outline: none; transition: border-color .2s; background: #fff;
}
.form-group textarea { resize: vertical; min-height: 110px; }
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(24,119,242,.12); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }

/* ===== FOOTER ===== */
footer {
  background: var(--blue-deep);
  color: rgba(255,255,255,.52);
  padding: 4.5rem 5% 2rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 3rem;
  margin-bottom: 3rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid rgba(255,255,255,.1);
}
.footer-brand { font-family: "Fraunces", serif; font-size: 1.5rem; color: #fff; margin-bottom: .5rem; }
.footer-brand span { color: #0a8a52; }
.footer-tagline { font-size: .86rem; color: rgba(255,255,255,.4); margin-bottom: 1.5rem; line-height: 1.7; max-width: 280px; }
.footer-contact-item { display: flex; gap: .6rem; align-items: flex-start; margin-bottom: .8rem; font-size: .86rem; }
.footer-contact-item a { color: #7ab8ff; }
.footer-col h4 { font-family: "DM Sans", sans-serif; font-size: .75rem; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: rgba(255,255,255,.3); margin-bottom: 1rem; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: .55rem; }
.footer-col ul a { color: rgba(255,255,255,.52); font-size: .86rem; transition: color .18s; }
.footer-col ul a:hover { color: #7ab8ff; }
.footer-bottom { display: flex; justify-content: space-between; align-items: flex-start; gap: 1.5rem; flex-wrap: wrap; }
.footer-legal { font-size: .73rem; color: rgba(255,255,255,.22); line-height: 1.85; max-width: 640px; }

/* ===== SCROLL REVEAL ===== */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .55s ease, transform .55s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }

/* ===== SHARED NAV JS ===== */
/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem; } }
@media (max-width: 768px) {
  nav { padding: 0 4%; }
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .nav-links.open {
    display: flex; flex-direction: column; position: fixed;
    top: 72px; left: 0; right: 0;
    background: var(--blue);
    padding: 1.4rem 5%; gap: .7rem;
    border-top: 1px solid rgba(255,255,255,.12);
    box-shadow: 0 20px 40px rgba(0,0,0,.3);
  }
  .nav-links.open li a { padding: .6rem 0; font-size: 1rem; }
  section { padding: 60px 4%; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
  .footer-bottom { flex-direction: column; }
}

/* ===== SOCIAL BAR ===== */
.social-bar {
  background: #051d5f;
  border-bottom: 2px solid rgba(255,255,255,.2);
  height: 58px;
  display: flex;
  align-items: center;
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1001;
  display: none;
}
.social-bar-inner {
  width: 100%;
  padding: 0 5%;
  display: flex;
  align-items: center;
  gap: 1rem;
}
.social-label {
  font-size: .8rem;
  font-weight: 700;
  color: #fff;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  white-space: nowrap;
}
.social-icons {
  display: flex;
  gap: .15rem;
  align-items: center;
}
.social-icons a {
  width: 28px; height: 28px;
  border-radius: 5px;
  display: flex; align-items: center; justify-content: center;
  color: #fff;
  font-size: .95rem;
  transition: all .18s;
  background: rgba(255,255,255,.18);
  border: 1px solid rgba(255,255,255,.25);
}
.social-icons a:hover { background: rgba(255,255,255,.18); color: #fff; transform: translateY(-1px); }
.social-icons a.fb:hover  { background: #1877F2; color: #fff; }
.social-icons a.tt:hover  { background: #000; color: #fff; }
.social-icons a.ig:hover  { background: linear-gradient(45deg,#f09433,#e6683c,#dc2743,#cc2366,#bc1888); color: #fff; }
.social-icons a.tw:hover  { background: #000; color: #fff; }
.social-icons a.li:hover  { background: #0077B5; color: #fff; }
.social-icons a.yt:hover  { background: #FF0000; color: #fff; }
.social-bar-right {
  margin-left: auto;
}
.social-bar-phone {
  font-size: .98rem;
  font-weight: 700;
  color: #3ddc84;
  display: flex;
  align-items: center;
  gap: .4rem;
  white-space: nowrap;
  transition: color .18s;
}
.social-bar-phone:hover { color: #3ddc84; }
.social-bar-phone i { font-size: .7rem; }

/* Adjust nav to sit below social bar */
nav { top: 0; }

/* Adjust page hero padding */
.page-hero { padding-top: 88px !important; }

/* Footer social */
.footer-social { margin-bottom: 1.5rem; }
.footer-social-label {
  font-size: .72rem; font-weight: 700; letter-spacing: 2px;
  text-transform: uppercase; color: rgba(255,255,255,.28);
  margin-bottom: .8rem;
}
.footer-social-icons { display: flex; gap: .5rem; flex-wrap: wrap; }
.footer-social-icons a {
  width: 36px; height: 36px;
  border-radius: 8px;
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.1);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,.55);
  font-size: .85rem;
  transition: all .2s;
}
.footer-social-icons a:hover { background: rgba(255,255,255,.15); color: #fff; transform: translateY(-2px); }

@media (max-width: 768px) {
  .social-label { display: none; }
  .social-bar-phone { display: none; }
  nav { top: 0; }
}

/* ===== HERO SOCIAL WALL STRIP ===== */
.hero-social-wall {
  position: absolute;
  right: 3%;
  top: 50%;
  transform: translateY(-50%);
  z-index: 2;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: .5rem;
  background: rgba(6,34,114,.75);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border: 1px solid rgba(255,255,255,.2);
  border-radius: 16px;
  padding: 1.2rem .7rem;
}
.hsw-label {
  font-size: .6rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: rgba(255,255,255,.55);
  writing-mode: vertical-rl;
  text-orientation: mixed;
  margin-bottom: .4rem;
}
.hero-social-wall a {
  width: 38px; height: 38px;
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  color: #fff;
  font-size: 1rem;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.2);
  transition: all .2s;
}
.hero-social-wall a:hover {
  background: rgba(255,255,255,.28);
  transform: scale(1.1);
}
.hsw-phone {
  margin-top: .5rem;
  padding-top: .7rem;
  border-top: 1px solid rgba(255,255,255,.15);
  text-align: center;
  color: #3ddc84;
  font-size: .65rem;
  font-weight: 700;
  line-height: 1.5;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: .3rem;
}
.hsw-phone i { font-size: .8rem; }
@media (max-width: 768px) {
  .hero-social-wall { display: none; }
}

/* ===== HERO SOCIAL TERRACE — horizontal strip over the house ===== */
.hero-social-terrace {
  position: absolute;
  bottom: 0;
  right: 0;
  width: 55%;
  z-index: 3;
  background: rgba(5,29,95,.82);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-top: 1px solid rgba(255,255,255,.18);
  border-left: 1px solid rgba(255,255,255,.12);
  padding: .85rem 2rem;
  display: flex;
  align-items: center;
  gap: 1.2rem;
  border-radius: 12px 0 0 0;
}
.hst-label {
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: rgba(255,255,255,.55);
  white-space: nowrap;
}
.hst-divider {
  width: 1px;
  height: 28px;
  background: rgba(255,255,255,.2);
  flex-shrink: 0;
}
.hero-social-terrace .hst-icons {
  display: flex;
  gap: .5rem;
  align-items: center;
}
.hero-social-terrace .hst-icons a {
  width: 38px; height: 38px;
  border-radius: 9px;
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-size: 1rem;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.2);
  transition: all .2s;
}
.hero-social-terrace .hst-icons a:hover {
  background: rgba(255,255,255,.28);
  transform: translateY(-2px);
}
.hst-phone {
  margin-left: auto;
  display: flex;
  align-items: center;
  gap: .5rem;
  font-size: .95rem;
  font-weight: 700;
  color: #3ddc84;
  white-space: nowrap;
}
@media (max-width: 768px) {
  .hero-social-terrace { width: 100%; border-radius: 0; }
}

/* ================================================================
   DROPDOWN NAVIGATION — v28 FINAL
================================================================ */
.has-dropdown { position: relative; }

.dropdown-menu {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  background: #fff;
  border-radius: 0 0 12px 12px;
  box-shadow: 0 16px 50px rgba(0,0,0,.18);
  border: 1px solid #d8e0f0;
  border-top: none;
  z-index: 9999;
  overflow: visible;
  min-width: 560px;
}
.has-dropdown:hover .dropdown-menu { display: flex !important; flex-direction: row; background: #fff; }

/* LEFT PANEL */
.dropdown-featured { width: 200px; flex-shrink: 0; }
.df-panel {
  width: 200px;
  min-height: 280px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  text-align: center;
  padding: 2rem 1.4rem;
  gap: .9rem;
  position: relative;
}
.df-panel i { font-size: 2.5rem; color: rgba(255,255,255,.9); }
.df-panel h3 { font-family: "Fraunces",serif; font-size: 1.1rem; color: #fff; font-weight: 700; line-height: 1.35; margin: 0; }
.df-btn,
.nav-links li .df-btn {
  background: #fff !important;
  color: #1877F2 !important;
  font-size: .75rem;
  font-weight: 700 !important;
  padding: .45rem 1.1rem;
  border-radius: 5px;
  text-decoration: none;
  text-transform: uppercase;
  letter-spacing: .5px;
  margin-top: .3rem;
  display: inline-block;
  border: 2px solid rgba(255,255,255,.4);
}
.df-btn:hover { background: #3ddc84; color: #fff; }

/* RIGHT LINKS — two explicit columns */
.dropdown-links {
  flex: 1;
  display: flex;
  flex-direction: row;
  background: #f8faff;
  padding: .5rem 0;
  min-width: 320px;
  border-left: 1px solid #e8eef8;
}
.dropdown-col {
  flex: 1;
  display: flex;
  flex-direction: column;
}
.dropdown-col a,
.nav-links li .dropdown-col a {
  display: block;
  padding: .5rem 1.2rem;
  font-size: .88rem;
  color: #1e293b !important;
  font-weight: 400 !important;
  background: transparent !important;
  text-decoration: none;
  white-space: nowrap;
  transition: background .15s, color .15s;
  line-height: 1.5;
  border-radius: 0 !important;
}
.dropdown-col a:hover,
.nav-links li .dropdown-col a:hover { background: #f0f4ff !important; color: #1877F2 !important; }

/* Resources — single col */
.dropdown-links.single-col { min-width: 210px; }
.dropdown-links.single-col .dropdown-col a {
  display: flex; align-items: center; gap: .5rem;
}

@media (max-width: 768px) {
  .dropdown-menu { display: none !important; }
}

/* ===== SOCIAL PATIO BOX ===== */
.social-patio {
  position: absolute;
  bottom: 80px;
  right: 4%;
  z-index: 4;
  background: rgba(5, 20, 80, 0.90);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border: 1.5px solid rgba(255,255,255,.3);
  border-radius: 18px;
  padding: 1.3rem 1.6rem;
  min-width: 300px;
  box-shadow: 0 12px 40px rgba(0,0,0,.35);
}
.sp-phone {
  display: flex;
  align-items: center;
  gap: .55rem;
  font-size: 1.25rem;
  font-weight: 800;
  color: #3ddc84;
  margin-bottom: .9rem;
  font-family: "DM Sans", sans-serif;
  text-decoration: none;
  letter-spacing: .3px;
}
.sp-phone i { font-size: .9rem; }
.sp-divider {
  height: 1px;
  background: rgba(255,255,255,.15);
  margin-bottom: .85rem;
}
.sp-follow {
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: rgba(255,255,255,.7);
  margin-bottom: .65rem;
}
.sp-icons {
  display: flex;
  gap: .45rem;
}
.sp-icons a {
  width: 36px; height: 36px;
  border-radius: 8px;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.2);
  display: flex; align-items: center; justify-content: center;
  color: #fff;
  font-size: .95rem;
  transition: all .2s;
  text-decoration: none;
}
.sp-icons a:hover {
  background: rgba(255,255,255,.28);
  transform: translateY(-2px);
}
@media (max-width: 768px) {
  .social-patio { display: none; }
}

.df-overlay i {
  font-size: 2.4rem;
  color: rgba(255,255,255,.88);
  display: block;
  text-align: center;
}



/* ================================================================
   MOBILE & TABLET RESPONSIVE — Complete Overhaul
   Breakpoints: tablet = 1024px, mobile = 768px, small = 480px
================================================================ */

/* ===== TABLET (1024px and below) ===== */
@media (max-width: 1024px) {
  /* Nav */
  .nav-logo-text, span[style*="font-size:2.3rem"] {
    font-size: 1.6rem !important;
  }
  nav { height: 70px; }

  /* Grids */
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem; }
  .why-right { grid-template-columns: 1fr 1fr; }
  .process-row { grid-template-columns: repeat(2,1fr); }
  .loans-row { grid-template-columns: repeat(2,1fr); }
  .qp-grid { grid-template-columns: repeat(2,1fr); }
  .stats-grid { grid-template-columns: repeat(2,1fr); }
  .why-cards { grid-template-columns: repeat(2,1fr); }
  .team-grid { grid-template-columns: repeat(2,1fr); }

  /* Hero */
  .hero-inner { grid-template-columns: 1fr; }
  .hero-right { display: none; }
  .social-patio { right: 2%; min-width: 260px; }

  /* Calc */
  .calc-layout { grid-template-columns: 1fr; }

  /* Blog */
  .blog-grid { grid-template-columns: repeat(2,1fr); }

  /* About */
  .mission-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .about-grid { grid-template-columns: 1fr; }
}

/* ===== MOBILE (768px and below) ===== */
@media (max-width: 768px) {

  /* NAV — hamburger only */
  nav {
    height: 64px;
    padding: 0 4% !important;
    top: 0 !important;
  }
  .nav-logo-text, span[style*="font-size:2.3rem"],
  span[style*="font-size:2.1rem"], span[style*="font-size:2rem"] {
    font-size: 1.4rem !important;
  }
  nav img[style*="height:70px"], nav img[style*="height:62px"] {
    height: 46px !important;
  }
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .nav-links.open {
    display: flex !important;
    flex-direction: column;
    position: fixed;
    top: 64px;
    left: 0; right: 0;
    background: #0d47a1;
    padding: 1rem 5% 1.5rem;
    gap: 0;
    border-top: 1px solid rgba(255,255,255,.1);
    box-shadow: 0 20px 40px rgba(0,0,0,.3);
    z-index: 999;
    max-height: calc(100vh - 64px);
    overflow-y: auto;
  }
  .nav-links.open li a {
    padding: .7rem 0;
    font-size: .95rem;
    border-bottom: 1px solid rgba(255,255,255,.08);
    display: block;
    color: rgba(255,255,255,.88) !important;
  }
  .nav-links.open .nav-apply {
    margin: .8rem 0 0;
    border-radius: 8px !important;
    text-align: center;
    padding: .75rem !important;
    background: #fff !important;
    color: #1877F2 !important;
  }
  /* Hide dropdown arrows on mobile */
  .nav-links.open .has-dropdown > a i.fa-chevron-down { display: none; }
  /* Mobile dropdowns - show as flat list */
  .nav-links.open .dropdown-menu { display: none !important; }
  .nav-links.open .has-dropdown > a::after { content: none; }

  /* HERO */
  #hero, .hero {
    min-height: auto !important;
    padding: 90px 4% 80px !important;
  }
  .hero-inner {
    grid-template-columns: 1fr !important;
    padding: 70px 4% 90px !important;
    gap: 0 !important;
  }
  .hero-title, h1[style*="clamp"] {
    font-size: clamp(1.9rem, 7vw, 2.6rem) !important;
  }
  .hero-sub { font-size: .95rem !important; }
  .hero-btns, .hbtns {
    flex-direction: column;
    gap: .75rem !important;
  }
  .hero-btns a, .hbtns span, .btn-primary, .btn-ghost-white {
    width: 100%;
    text-align: center;
    display: block !important;
  }
  .hero-stats, .hstats {
    max-width: 100% !important;
    grid-template-columns: repeat(3,1fr) !important;
  }
  .social-patio { display: none !important; }
  .hero-social-terrace { display: none !important; }

  /* SECTIONS */
  section { padding: 50px 4% !important; }
  .section-title { font-size: clamp(1.5rem, 5vw, 2rem) !important; }

  /* GRIDS → single column */
  .qp-grid { grid-template-columns: 1fr !important; }
  .loans-row { grid-template-columns: 1fr !important; }
  .process-row { grid-template-columns: 1fr 1fr !important; }
  .why-inner { grid-template-columns: 1fr !important; gap: 2rem !important; }
  .why-right { grid-template-columns: 1fr 1fr !important; }
  .why-wide, .why-stat-box { }
  .footer-grid { grid-template-columns: 1fr !important; gap: 1.5rem !important; }
  .footer-bottom { flex-direction: column !important; }
  .stats-grid { grid-template-columns: 1fr 1fr !important; }
  .why-cards { grid-template-columns: 1fr !important; }
  .team-grid { grid-template-columns: 1fr !important; }
  .blog-grid { grid-template-columns: 1fr !important; }
  .related-grid { grid-template-columns: 1fr !important; }

  /* ABOUT */
  .mission-grid { grid-template-columns: 1fr !important; gap: 2rem !important; }
  .mission-badge { display: none; }
  .mission-img { aspect-ratio: 3/2 !important; }
  .team-card[style*="grid-template-columns"] {
    grid-template-columns: 1fr !important;
  }

  /* CALCULATOR */
  .calc-grid { grid-template-columns: 1fr !important; }
  .dp-row { grid-template-columns: 1fr 1fr !important; }
  .result-breakdown { grid-template-columns: 1fr 1fr !important; }
  .loan-types { gap: .4rem !important; }
  .lt-btn { font-size: .76rem !important; padding: .35rem .75rem !important; }

  /* FORMS */
  .form-row { grid-template-columns: 1fr !important; }
  .apply-layout { grid-template-columns: 1fr !important; }
  .contact-grid { grid-template-columns: 1fr !important; }

  /* QUICK PATH CARDS */
  .qp-card { padding: 1.4rem 1.2rem !important; }

  /* PAGE HERO */
  .page-hero { min-height: 260px !important; padding-top: 64px !important; }
  .page-hero h1 { font-size: clamp(1.6rem, 5vw, 2.2rem) !important; }
  .page-hero-inner { padding: 40px 4% !important; }

  /* LOAN DETAIL */
  .loan-detail-wrap { max-width: 100% !important; }
  .loan-detail-body { padding: 1.4rem !important; }
  .feature-list { grid-template-columns: 1fr !important; }

  /* FILTER BAR */
  .filter-bar { gap: .4rem !important; }
  .filter-btn { font-size: .76rem !important; padding: .35rem .8rem !important; }

  /* FAQ */
  .faq-wrap { max-width: 100% !important; }
  .faq-q h3 { font-size: .9rem !important; }

  /* CTA STRIPS */
  .cta-btns, .hero-btns { flex-direction: column !important; align-items: stretch !important; }
  .cta-btns a { text-align: center !important; }
}

/* ===== SMALL MOBILE (480px and below) ===== */
@media (max-width: 480px) {
  .hero-stats, .hstats {
    grid-template-columns: 1fr !important;
    max-width: 220px !important;
    margin: 0 auto !important;
  }
  .h-stat, .hsi { border-right: none !important; border-bottom: 1px solid rgba(255,255,255,.15) !important; }
  .h-stat:last-child, .hsi:last-child { border-bottom: none !important; }
  .process-row { grid-template-columns: 1fr !important; }
  .stats-grid { grid-template-columns: 1fr 1fr !important; }
  .why-right { grid-template-columns: 1fr 1fr !important; }
  .why-wide { grid-column: span 2 !important; }
  nav img[style*="height"] { height: 40px !important; }
  .nav-logo-text { font-size: 1.25rem !important; }

  /* Post card on very small screens */
  .post-hero-img { height: 220px !important; }
  .post-card { padding: 1.2rem !important; }
}

/* ===== TOUCH DEVICES — make tap targets bigger ===== */
@media (hover: none) {
  .nav-links a { padding: .65rem .9rem !important; }
  .filter-btn { min-height: 36px; }
  .qp-card { cursor: default; }
  .loan-card { cursor: default; }
}

/* Logo transparent background fix — works on all pages */
.nav-logo-wrap img,
nav img[src="logo.png"] {
  mix-blend-mode: screen;
  height: 74px;
  width: auto;
  object-fit: contain;
}