/* ═══════════════════════════════════════
   Divito Lending — Global Stylesheet
   ═══════════════════════════════════════ */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800;900&display=swap');

:root {
  --navy:      #0A1628;
  --navy-mid:  #12274D;
  --blue:      #1B5DC4;
  --blue-mid:  #2563EB;
  --blue-light:#EBF3FF;
  --blue-pale: #F0F7FF;
  --white:     #FFFFFF;
  --cream:     #F9FAFB;
  --border:    #E5E7EB;
  --gray-500:  #6B7280;
  --gray-700:  #374151;
  --dark:      #111827;
  --green:     #059669;
  --sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --shadow-sm: 0 1px 4px rgba(0,0,0,.07);
  --shadow-md: 0 4px 20px rgba(0,0,0,.1);
  --shadow-lg: 0 8px 36px rgba(0,0,0,.13);
  --radius:    12px;
  --radius-lg: 20px;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{font-family:var(--sans);color:var(--dark);background:var(--white);line-height:1.6;overflow-x:hidden;}
img{max-width:100%;height:auto;display:block;}
a{color:inherit;text-decoration:none;}
ul{list-style:none;}
button{cursor:pointer;font-family:var(--sans);border:none;background:none;}
input,select,textarea{font-family:var(--sans);}
em{font-style:normal;color:var(--blue-mid);}

/* ── Typography ── */
h1{font-size:clamp(2rem,5vw,3.2rem);font-weight:800;line-height:1.15;color:var(--navy);}
h2{font-size:clamp(1.5rem,3.5vw,2.2rem);font-weight:800;line-height:1.2;color:var(--navy);}
h3{font-size:1.15rem;font-weight:700;color:var(--navy);}
p{color:var(--gray-700);line-height:1.8;}

/* ── Layout ── */
.inner{max-width:1160px;margin:0 auto;padding:0 5%;}
section{padding:5rem 0;}
@media(max-width:640px){
  .inner{padding:0 1.25rem;}
  section{padding:3rem 0;}
}
@media(max-width:760px){
  [style*="grid-template-columns:1fr 1fr"],
  [style*="grid-template-columns: 1fr 1fr"],
  [style*="grid-template-columns:1fr 320px"],
  [style*="grid-template-columns:1fr 340px"],
  [style*="grid-template-columns:1fr 380px"],
  [style*="grid-template-columns:1fr 420px"],
  [style*="grid-template-columns:320px 1fr"],
  [style*="grid-template-columns:340px 1fr"],
  [style*="grid-template-columns:380px 1fr"],
  [style*="grid-template-columns:420px 1fr"],
  [style*="grid-template-columns:minmax(0,1fr) 380px"],
  [style*="grid-template-columns:minmax(0,1fr) 420px"],
  [style*="grid-template-columns:repeat(2,1fr)"],
  [style*="grid-template-columns:repeat(2, 1fr)"]{grid-template-columns:1fr!important;gap:2rem!important;}
  [style*="grid-template-columns:repeat(4,1fr)"],
  [style*="grid-template-columns:repeat(4, 1fr)"]{grid-template-columns:repeat(2,1fr)!important;gap:1rem!important;}
}

/* ── Buttons ── */
.btn{display:inline-flex;align-items:center;gap:.5rem;padding:.85rem 1.75rem;border-radius:8px;font-weight:700;font-size:.95rem;transition:all .2s;cursor:pointer;white-space:nowrap;}
.btn-primary{background:var(--blue-mid);color:var(--white);}
.btn-primary:hover{background:#1d4ed8;box-shadow:0 4px 16px rgba(37,99,235,.35);}
.btn-outline{background:transparent;color:var(--blue-mid);border:2px solid var(--blue-mid);}
.btn-outline:hover{background:var(--blue-light);}
.btn-white{background:var(--white);color:var(--navy);}
.btn-white:hover{background:#f0f7ff;}
.btn-ghost{background:transparent;color:var(--white);border:2px solid rgba(255,255,255,.4);}
.btn-ghost:hover{background:rgba(255,255,255,.1);}
.btn-ghost-white{background:#000;color:var(--white);}
.btn-ghost-white:hover{background:#1a1a1a;}
.btn-lg{padding:1.05rem 2.25rem;font-size:1.05rem;}

/* ── Tags ── */
.tag{display:inline-flex;align-items:center;gap:.5rem;font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--blue-mid);margin-bottom:.85rem;}
.tag::before{content:'';width:20px;height:2px;background:var(--blue-mid);border-radius:2px;}

/* ── NAV ── */
#nav{position:fixed;top:0;left:0;right:0;z-index:1000;background:var(--white);border-bottom:1px solid transparent;transition:border-color .3s,box-shadow .3s;padding:0 5%;height:70px;display:flex;align-items:center;justify-content:space-between;}
#nav.scrolled{border-color:var(--border);box-shadow:0 2px 16px rgba(0,0,0,.07);}
.nav-logo{display:flex;align-items:center;gap:.75rem;font-size:1.2rem;font-weight:800;color:var(--navy);}
.nav-logo img{height:40px;width:auto;}
.nav-logo-text span{color:var(--blue-mid);}
.nav-links{display:flex;align-items:center;gap:.25rem;flex:1;justify-content:center;list-style:none;margin:0;padding:0;}
.nav-links a{padding:.5rem .85rem;border-radius:6px;font-size:.88rem;font-weight:500;color:var(--gray-700);transition:background .2s,color .2s;}
.nav-links a:hover{background:var(--blue-pale);color:var(--blue-mid);}
.nav-links a.active{color:var(--blue-mid);font-weight:600;}
.nav-cta{background:var(--blue-mid)!important;color:var(--white)!important;padding:.6rem 1.25rem!important;border-radius:8px!important;font-weight:700!important;}
.nav-cta:hover{background:#1d4ed8!important;box-shadow:0 3px 12px rgba(37,99,235,.3);}
.nav-ham{display:none;flex-direction:column;gap:5px;padding:8px;}
.nav-ham span{display:block;width:22px;height:2px;background:var(--navy);border-radius:2px;transition:all .3s;}
.mobile-nav{display:none;position:fixed;top:70px;left:0;right:0;background:var(--white);border-bottom:1px solid var(--border);padding:1.5rem 5%;flex-direction:column;gap:.5rem;z-index:999;box-shadow:0 8px 24px rgba(0,0,0,.1);}
.mobile-nav.open{display:flex;}
.mobile-nav a{padding:.85rem 1rem;border-radius:8px;font-weight:500;color:var(--gray-700);font-size:1rem;transition:background .2s;}
.mobile-nav a:hover{background:var(--blue-pale);color:var(--blue-mid);}
.mob-cta-btn{background:var(--blue-mid)!important;color:var(--white)!important;text-align:center;font-weight:700!important;margin-top:.5rem;}
@media(max-width:1024px){.nav-links{display:none;}.nav-ham{display:flex;}}

/* ── HERO ── */
.hero{padding:9rem 0 6rem;background:linear-gradient(135deg,var(--navy) 0%,var(--navy-mid) 60%,#1a3a6b 100%);position:relative;overflow:hidden;}
.hero::before{content:'';position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");}
.hero-inner{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:center;position:relative;z-index:1;}
.hero-tag{display:inline-flex;align-items:center;gap:.5rem;background:rgba(37,99,235,.25);border:1px solid rgba(37,99,235,.4);color:#93c5fd;font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;padding:.45rem 1rem;border-radius:100px;margin-bottom:1.5rem;}
.hero h1{color:var(--white);margin-bottom:1.25rem;}
.hero h1 em{color:#60a5fa;}
.hero-sub{font-size:1.1rem;color:rgba(255,255,255,.75);margin-bottom:2.5rem;max-width:520px;line-height:1.8;}
.hero-actions{display:flex;gap:1rem;flex-wrap:wrap;align-items:center;}
.hero-trust{display:flex;gap:1.5rem;margin-top:2.5rem;flex-wrap:wrap;}
.hero-trust-item{display:flex;align-items:center;gap:.5rem;color:rgba(255,255,255,.65);font-size:.82rem;font-weight:500;}
.hero-trust-item svg{width:16px;height:16px;stroke:#4ade80;fill:none;stroke-width:2.5;flex-shrink:0;}
.hero-card{background:var(--white);border-radius:var(--radius-lg);padding:2.5rem;box-shadow:var(--shadow-lg);}
.hero-card h3{font-size:1.1rem;margin-bottom:1.5rem;color:var(--navy);}
.quick-form .qfield{margin-bottom:1.1rem;}
.quick-form label{display:block;font-size:.78rem;font-weight:600;color:var(--gray-700);margin-bottom:.4rem;text-transform:uppercase;letter-spacing:.05em;}
.quick-form select,.quick-form input{width:100%;padding:.75rem 1rem;border:1.5px solid var(--border);border-radius:8px;font-size:.95rem;color:var(--dark);background:var(--white);outline:none;transition:border-color .2s;}
.quick-form select:focus,.quick-form input:focus{border-color:var(--blue-mid);}
.quick-form .qrow{display:grid;grid-template-columns:1fr 1fr;gap:.75rem;}
.quick-form .qsubmit{width:100%;padding:1rem;background:var(--blue-mid);color:var(--white);border-radius:8px;font-size:1rem;font-weight:700;border:none;cursor:pointer;transition:background .2s;}
.quick-form .qsubmit:hover{background:#1d4ed8;}
.hero-card-note{font-size:.75rem;color:var(--gray-500);text-align:center;margin-top:.85rem;}
@media(max-width:860px){.hero-inner{grid-template-columns:1fr;gap:2.5rem;}.hero{padding:6.5rem 0 3rem;}.hero-sub{max-width:100%;}.hero-card{padding:2rem;}}
@media(max-width:640px){.hero-sub{font-size:1rem;margin-bottom:1.75rem;}.hero h1{font-size:clamp(1.85rem,7vw,2.4rem);}.hero-trust{gap:1rem;margin-top:1.75rem;}.hero-actions{flex-direction:column;align-items:stretch;}.hero-actions .btn{width:100%;justify-content:center;text-align:center;}.hero-card{padding:1.5rem;}.quick-form .qrow{grid-template-columns:1fr;}}

/* ── HOW IT WORKS ── */
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem;margin-top:3.5rem;position:relative;}
.steps-grid::before{content:'';position:absolute;top:40px;left:calc(16.67% + 1rem);right:calc(16.67% + 1rem);height:2px;background:var(--border);z-index:0;}
.step-card{text-align:center;position:relative;z-index:1;}
.step-num{width:80px;height:80px;border-radius:50%;background:var(--blue-mid);color:var(--white);font-size:1.5rem;font-weight:800;display:flex;align-items:center;justify-content:center;margin:0 auto 1.5rem;}
.step-card h3{margin-bottom:.65rem;}
.step-card p{font-size:.92rem;}
@media(max-width:660px){.steps-grid{grid-template-columns:1fr;}.steps-grid::before{display:none;}}

/* ── LOAN PRODUCT CARDS ── */
.loan-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.5rem;margin-top:3rem;}
.loan-card{background:var(--white);border:1.5px solid var(--border);border-radius:var(--radius);padding:2rem;transition:border-color .25s,box-shadow .25s,transform .25s;cursor:default;}
.loan-card:hover{border-color:var(--blue-mid);box-shadow:var(--shadow-md);transform:translateY(-3px);}
.loan-icon{width:52px;height:52px;background:var(--blue-light);border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.5rem;margin-bottom:1.25rem;}
.loan-card h3{margin-bottom:.6rem;}
.loan-card p{font-size:.9rem;color:var(--gray-500);margin-bottom:1.25rem;}
.loan-card-badge{display:inline-block;background:var(--blue-pale);color:var(--blue-mid);font-size:.72rem;font-weight:700;padding:.3rem .75rem;border-radius:100px;margin-bottom:1rem;}
.loan-card-link{font-size:.85rem;font-weight:700;color:var(--blue-mid);display:inline-flex;align-items:center;gap:.35rem;text-decoration:none;transition:.2s;}
.loan-card-link:hover{color:var(--navy);gap:.5rem;}
.loan-card h3 a:hover{color:var(--blue-mid);}
.loan-card-actions{margin-top:auto;display:flex;flex-wrap:wrap;align-items:center;gap:.85rem;padding-top:.5rem;}
.loan-card-apply{font-size:.85rem;padding:.55rem 1.1rem;}

/* ── WHY CHOOSE US ── */
.why-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:1.5rem;margin-top:3rem;}
.why-card{padding:1.75rem;background:var(--white);border-radius:var(--radius);border:1px solid var(--border);}
.why-icon{font-size:2rem;margin-bottom:1rem;}
.why-card h3{font-size:1rem;margin-bottom:.5rem;}
.why-card p{font-size:.875rem;color:var(--gray-500);}

/* ── REVIEWS ── */
.review-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.5rem;margin-top:3rem;}
.review-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:2rem;box-shadow:var(--shadow-sm);}
.review-stars{color:#f59e0b;font-size:1rem;margin-bottom:1rem;letter-spacing:.15em;}
.review-text{font-size:.95rem;color:var(--gray-700);line-height:1.8;margin-bottom:1.25rem;font-style:italic;}
.review-author{font-size:.82rem;font-weight:700;color:var(--navy);}
.review-role{font-size:.78rem;color:var(--gray-500);}

/* ── CALCULATOR ── */
.calc-wrap{background:var(--navy);border-radius:var(--radius-lg);padding:3.5rem;color:var(--white);}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:center;}
.calc-form label{display:block;font-size:.78rem;font-weight:600;color:rgba(255,255,255,.6);margin-bottom:.4rem;text-transform:uppercase;letter-spacing:.05em;}
.calc-form input,.calc-form select{width:100%;padding:.75rem 1rem;border:1.5px solid rgba(255,255,255,.15);border-radius:8px;background:rgba(255,255,255,.07);color:var(--white);font-size:.95rem;margin-bottom:1.1rem;outline:none;transition:border-color .2s;}
.calc-form input:focus,.calc-form select:focus{border-color:rgba(255,255,255,.4);}
.calc-form input::placeholder{color:rgba(255,255,255,.35);}
.calc-result{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);border-radius:var(--radius);padding:2rem;text-align:center;}
.calc-result .result-label{font-size:.8rem;color:rgba(255,255,255,.55);text-transform:uppercase;letter-spacing:.1em;margin-bottom:.5rem;}
.calc-result .result-amount{font-size:3rem;font-weight:900;color:#60a5fa;font-family:var(--sans);}
.calc-result .result-note{font-size:.78rem;color:rgba(255,255,255,.45);margin-top:.5rem;}
.calc-breakdown{margin-top:1.5rem;display:flex;flex-direction:column;gap:.65rem;}
.calc-row{display:flex;justify-content:space-between;font-size:.85rem;color:rgba(255,255,255,.65);padding:.5rem 0;border-bottom:1px solid rgba(255,255,255,.08);}
.calc-row:last-child{border:none;font-weight:700;color:var(--white);}
@media(max-width:760px){.calc-grid{grid-template-columns:1fr;gap:2rem;}.calc-wrap{padding:1.75rem 1.25rem;border-radius:14px;}.calc-result .result-amount{font-size:2.25rem;}}

/* ── PARTNERS BAND ── */
.partners-band{background:var(--blue-pale);padding:4rem 0;text-align:center;}
.partner-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;margin-top:2.5rem;max-width:860px;margin-left:auto;margin-right:auto;}
.partner-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:2rem;text-decoration:none;transition:box-shadow .2s,border-color .2s;}
.partner-card:hover{box-shadow:var(--shadow-md);border-color:var(--blue-mid);}
.partner-card-icon{font-size:2rem;margin-bottom:.75rem;}
.partner-card h4{color:var(--navy);font-size:1rem;margin-bottom:.35rem;}
.partner-card p{font-size:.83rem;color:var(--gray-500);}
@media(max-width:600px){.partner-cards{grid-template-columns:1fr;}}

/* ── FAQ ── */
.faq-list{max-width:780px;margin:3rem auto 0;}
.faq-item{border-bottom:1px solid var(--border);}
.faq-q{width:100%;text-align:left;padding:1.35rem 0;font-size:1rem;font-weight:600;color:var(--navy);display:flex;justify-content:space-between;align-items:center;gap:1rem;background:none;border:none;cursor:pointer;}
.faq-q svg{width:20px;height:20px;stroke:var(--blue-mid);fill:none;stroke-width:2;flex-shrink:0;transition:transform .3s;}
.faq-item.open .faq-q svg{transform:rotate(45deg);}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease,padding .35s;}
.faq-item.open .faq-a{max-height:400px;padding-bottom:1.25rem;}
.faq-a p{font-size:.95rem;color:var(--gray-700);line-height:1.85;}

/* ── CTA BAND ── */
.cta-band{background:linear-gradient(135deg,var(--blue-mid),#1e40af);padding:5rem 0;text-align:center;}
.cta-band h2{color:var(--white);margin-bottom:1rem;}
.cta-band h2 em{color:#000;}
.cta-band p{color:rgba(255,255,255,.75);max-width:560px;margin:0 auto 2.5rem;font-size:1.05rem;}
.cta-band .hero-actions{justify-content:center;}
@media(max-width:640px){
  .cta-band{padding:3rem 0;}
  .cta-band p{font-size:.95rem;margin-bottom:1.75rem;}
  .cta-band .hero-actions{flex-direction:column;align-items:stretch;}
  .cta-band .hero-actions .btn{width:100%;justify-content:center;text-align:center;max-width:none;}
}

/* ── INNER HERO ── */
.inner-hero{padding:8rem 0 4.5rem;background:linear-gradient(135deg,var(--navy) 0%,var(--navy-mid) 100%);position:relative;overflow:hidden;}
@media(max-width:640px){
  .inner-hero{padding:6rem 0 2.5rem;}
  .inner-hero p{font-size:1rem;}
}
.inner-hero::before{content:'';position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");}
.inner-hero-content{position:relative;z-index:1;max-width:720px;}
.inner-hero h1{color:var(--white);}
.inner-hero h1 em{color:#60a5fa;}
.inner-hero p{color:rgba(255,255,255,.75);font-size:1.1rem;margin-top:1rem;}
.breadcrumb{font-size:.8rem;color:rgba(255,255,255,.5);margin-bottom:1rem;}
.breadcrumb a{color:rgba(255,255,255,.5);}
.breadcrumb a:hover{color:var(--white);}

/* ── REVEAL ── */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .6s ease,transform .6s ease;}
.reveal.visible{opacity:1;transform:none;}

/* ── FOOTER ── */
footer{background:var(--navy);color:rgba(255,255,255,.7);padding:5rem 0 2rem;}
.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:3rem;margin-bottom:3.5rem;}
.footer-brand img{height:40px;width:auto;margin-bottom:1.25rem;filter:brightness(0) invert(1);}
.footer-brand p{font-size:.875rem;line-height:1.8;color:rgba(255,255,255,.5);max-width:280px;margin-bottom:1.5rem;}
.footer-social{display:flex;gap:.6rem;}
.footer-social a{width:44px;height:44px;border-radius:10px;background:rgba(255,255,255,.14);display:flex;align-items:center;justify-content:center;color:#fff;transition:all .2s;border:1px solid rgba(255,255,255,.12);}
.footer-social a:hover{background:var(--blue-mid);border-color:var(--blue-mid);transform:translateY(-2px);box-shadow:0 6px 16px rgba(37,99,235,.35);}
.footer-social svg{width:20px;height:20px;stroke:#fff;fill:none;stroke-width:2;}
.footer-social svg[fill="currentColor"]{fill:#fff;stroke:none;}
.footer-col h4{font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;color:var(--white);margin-bottom:1.25rem;}
.footer-col ul{display:flex;flex-direction:column;gap:.65rem;}
.footer-col ul li a{font-size:.875rem;color:rgba(255,255,255,.55);transition:color .2s;}
.footer-col ul li a:hover{color:var(--white);}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:2rem;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:1rem;}
.footer-bottom p{font-size:.8rem;color:rgba(255,255,255,.35);}
.footer-bottom-links{display:flex;gap:1.5rem;}
.footer-bottom-links a{font-size:.8rem;color:rgba(255,255,255,.35);transition:color .2s;}
.footer-bottom-links a:hover{color:var(--white);}
.footer-disclaimer{font-size:.72rem;color:rgba(255,255,255,.25);margin-top:1.5rem;line-height:1.7;border-top:1px solid rgba(255,255,255,.06);padding-top:1.5rem;}
@media(max-width:860px){.footer-top{grid-template-columns:1fr 1fr;}.footer-brand{grid-column:1/-1;}}
@media(max-width:500px){.footer-top{grid-template-columns:1fr;}}

/* ── ARTICLE / RESOURCE ── */
.resource-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:1.75rem;margin-top:3rem;}
.resource-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;transition:box-shadow .2s,transform .2s;display:block;color:inherit;}
.resource-card:hover{box-shadow:var(--shadow-md);transform:translateY(-3px);}
.resource-card-img{height:180px;background:var(--blue-pale);display:flex;align-items:center;justify-content:center;font-size:3rem;}
.resource-card-body{padding:1.5rem;}
.resource-cat{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--blue-mid);margin-bottom:.5rem;}
.resource-card h3{font-size:1rem;margin-bottom:.5rem;line-height:1.4;}
.resource-card p{font-size:.87rem;color:var(--gray-500);}
.resource-meta{font-size:.75rem;color:var(--gray-500);margin-top:.85rem;}

/* ── CONTACT ── */
.contact-grid{display:grid;grid-template-columns:1fr 1.3fr;gap:4rem;align-items:flex-start;}
@media(max-width:640px){
  .contact-grid{gap:1.75rem;}
  .contact-info-card,.contact-form{padding:1.5rem!important;border-radius:14px;}
}
.contact-info-card{background:var(--navy);border-radius:var(--radius-lg);padding:2.5rem;color:var(--white);}
.contact-info-card h3{color:var(--white);margin-bottom:1.75rem;}
.contact-info-item{display:flex;gap:1rem;margin-bottom:1.75rem;align-items:flex-start;}
.contact-info-item svg{width:20px;height:20px;stroke:#60a5fa;fill:none;stroke-width:2;flex-shrink:0;margin-top:.2rem;}
.contact-info-item strong{display:block;color:var(--white);font-size:.9rem;margin-bottom:.2rem;}
.contact-info-item span{font-size:.85rem;color:rgba(255,255,255,.6);}
.contact-form{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:2.5rem;box-shadow:var(--shadow-sm);}
.cfield{margin-bottom:1.25rem;}
.cfield label{display:block;font-size:.78rem;font-weight:600;color:var(--gray-700);margin-bottom:.4rem;text-transform:uppercase;letter-spacing:.05em;}
.cfield input,.cfield select,.cfield textarea{width:100%;padding:.8rem 1rem;border:1.5px solid var(--border);border-radius:8px;font-size:.95rem;color:var(--dark);outline:none;transition:border-color .2s;}
.cfield input:focus,.cfield select:focus,.cfield textarea:focus{border-color:var(--blue-mid);}
.crow{display:grid;grid-template-columns:1fr 1fr;gap:1rem;}
.csub{width:100%;padding:1rem;background:var(--blue-mid);color:var(--white);border-radius:8px;font-size:1rem;font-weight:700;border:none;cursor:pointer;transition:background .2s;}
.csub:hover{background:#1d4ed8;}
@media(max-width:820px){.contact-grid{grid-template-columns:1fr;}.crow{grid-template-columns:1fr;}}

/* ── PILL NAV ── */
.loan-pill{display:inline-flex;align-items:center;padding:.55rem 1.1rem;background:var(--blue-pale);color:var(--blue-mid);border-radius:100px;font-size:.85rem;font-weight:600;white-space:nowrap;transition:background .2s,color .2s;}
.loan-pill:hover{background:var(--blue-mid);color:var(--white);}

/* ── UTILITIES ── */
.text-center{text-align:center;}
.section-intro{max-width:620px;margin:0 auto;text-align:center;}
.section-intro p{margin-top:.85rem;color:var(--gray-500);}
.divider{width:48px;height:3px;background:var(--blue-mid);border-radius:2px;margin:1.25rem auto 0;}
.badge{display:inline-block;padding:.3rem .8rem;border-radius:100px;font-size:.72rem;font-weight:700;letter-spacing:.05em;}
.badge-green{background:#dcfce7;color:#15803d;}
.badge-blue{background:var(--blue-light);color:var(--blue-mid);}
.highlight-box{background:var(--blue-pale);border-left:4px solid var(--blue-mid);border-radius:0 var(--radius) var(--radius) 0;padding:1.25rem 1.5rem;margin:2rem 0;}
.highlight-box p{margin:0;color:var(--navy);font-weight:500;font-size:.95rem;}
.stat-band{background:var(--blue-light);padding:4rem 0;}
.stat-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:2rem;}
.stat-item{text-align:center;}
.stat-num{font-size:2.5rem;font-weight:900;color:var(--blue-mid);}
.stat-label{font-size:.8rem;color:var(--gray-500);text-transform:uppercase;letter-spacing:.07em;margin-top:.3rem;font-weight:600;}
@media(max-width:640px){
  .stat-band{padding:2.5rem 0;}
  .stat-grid{grid-template-columns:1fr 1fr;gap:1.25rem;}
  .stat-num{font-size:1.85rem;}
  .stat-label{font-size:.7rem;}
}

/* Mobile overflow safety net — keeps content inside 390px viewport */
@media (max-width: 480px) {
  html, body { overflow-x: hidden; max-width: 100vw; }
  h1, h2, h3, p { overflow-wrap: anywhere; word-break: break-word; }
  h1, .hero h1 { font-size: clamp(1.7rem, 7vw, 2.2rem) !important; line-height: 1.18; white-space: normal !important; }
  .hero-tag, .section-tag { font-size: 0.7rem; letter-spacing: 0.06em; padding: 0.35rem 0.8rem; white-space: normal; max-width: 95%; }
  .btn, .btn-primary, .btn-ghost { font-size: 0.85rem; padding: 0.75rem 1rem; max-width: 100%; white-space: normal; }
  .hero-actions { flex-direction: column !important; gap: 0.75rem !important; }
  .hero-actions .btn { width: 100%; box-sizing: border-box; }
  /* Forms / cards should never exceed viewport */
  form, .calc-card, .quote-card, .rate-card, input, select, textarea { max-width: 100% !important; box-sizing: border-box; }
  /* Stats columns to single column on phones */
  .stats-grid { grid-template-columns: 1fr 1fr !important; }
}