/* ===== DESIGN TOKENS ===== */
:root {
  /* Navy + Gold palette — glowing, luminous, premium aesthetic */
  --navy: #0f2044;
  --navy-mid: #1a3160;
  --navy-light: #243d73;
  --blue-accent: #1e6fdb;
  --blue-bright: #3b8ae6;
  --gold: #c8903a;
  --gold-light: #e8b05a;
  --gold-bright: #f4c460;
  --cream: #faf8f5;
  --warm-white: #f5f3ef;
  --mid-gray: #6b7280;
  --light-gray: #e5e7eb;
  --text-dark: #111827;
  --text-body: #374151;
  --text-muted: #6b7280;
  --radius-sm: 8px;
  --radius: 14px;
  --radius-lg: 20px;
  /* Enhanced glowing shadows */
  --shadow: 0 4px 24px rgba(15, 32, 68, 0.10);
  --shadow-md: 0 8px 40px rgba(15, 32, 68, 0.15);
  --shadow-lg: 0 16px 60px rgba(15, 32, 68, 0.20);
  /* Intensive glow effects for luminous premium feel */
  --glow-gold: 0 0 20px rgba(200, 144, 58, 0.3), 0 0 40px rgba(232, 176, 90, 0.2);
  --glow-gold-intense: 0 0 15px rgba(200, 144, 58, 0.4), 0 0 30px rgba(232, 176, 90, 0.3), 0 0 50px rgba(244, 196, 96, 0.15);
  --glow-navy: 0 0 20px rgba(15, 32, 68, 0.2), 0 0 40px rgba(30, 111, 219, 0.15);
  --glow-navy-intense: 0 0 15px rgba(15, 32, 68, 0.3), 0 0 30px rgba(30, 111, 219, 0.25), 0 0 50px rgba(15, 32, 68, 0.15);
  --glow-gold-bright: 0 0 25px rgba(244, 196, 96, 0.4), 0 0 50px rgba(232, 176, 90, 0.25);
  --glow-blue: 0 0 20px rgba(30, 111, 219, 0.2), 0 0 40px rgba(59, 138, 230, 0.15);
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body: 'Nunito Sans', system-ui, sans-serif;
  --max-w: 1200px;
}

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

html { scroll-behavior: smooth; }

body {
  background: var(--cream);
  color: var(--text-body);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

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

/* ===== SHARED BUTTONS ===== */
.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  color: #fff;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 1rem;
  border-radius: var(--radius-sm);
  border: 2px solid rgba(244, 196, 96, 0.5);
  cursor: pointer;
  transition: all 0.3s ease;
  box-shadow: 0 4px 16px rgba(200, 144, 58, 0.4), var(--glow-gold-intense);
  text-decoration: none;
  position: relative;
}
.btn-primary:hover {
  background: linear-gradient(135deg, var(--gold-light) 0%, var(--gold-bright) 100%);
  transform: translateY(-2px);
  border-color: rgba(244, 196, 96, 0.8);
  box-shadow: 0 12px 32px rgba(200, 144, 58, 0.5), var(--glow-gold-bright);
}
.btn-primary--white {
  background: #fff;
  color: var(--navy);
  box-shadow: 0 4px 16px rgba(0,0,0,0.15);
}
.btn-primary--white:hover {
  background: var(--cream);
  color: var(--navy);
  transform: translateY(-2px);
}

.btn-ghost {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  background: transparent;
  color: var(--navy);
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 1rem;
  border-radius: var(--radius-sm);
  border: 2px solid rgba(15, 32, 68, 0.25);
  cursor: pointer;
  transition: all 0.2s ease;
}
.btn-ghost:hover {
  border-color: var(--navy);
  background: rgba(15, 32, 68, 0.04);
}

/* ===== SHARED SECTION LABELS ===== */
.section-eyebrow {
  display: inline-block;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 0.8rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-light);
  margin-bottom: 12px;
  background: linear-gradient(90deg, var(--gold) 0%, var(--gold-light) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.section-eyebrow--light { color: rgba(255,255,255,0.7); }

.section-title {
  font-family: var(--font-display);
  font-size: clamp(1.9rem, 4vw, 2.8rem);
  font-weight: 700;
  color: var(--text-dark);
  line-height: 1.15;
  margin-bottom: 16px;
}
.section-title em { color: var(--blue-accent); font-style: italic; }
.section-title--light { color: #fff; }
.section-title--light em { color: var(--gold-light); }

.section-sub {
  font-size: 1.05rem;
  color: var(--text-muted);
  max-width: 560px;
  line-height: 1.7;
}
.section-sub--light { color: rgba(255,255,255,0.75); }

.section-header {
  text-align: center;
  margin-bottom: 56px;
}
.section-header .section-sub { margin: 0 auto; }

/* ===== HERO ===== */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 60%, var(--navy-light) 100%);
  min-height: 100vh;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  padding: 80px 24px;
}

/* Subtle background texture */
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 20% 50%, rgba(30, 111, 219, 0.15) 0%, transparent 50%),
    radial-gradient(circle at 80% 20%, rgba(200, 144, 58, 0.08) 0%, transparent 40%);
  pointer-events: none;
}

.hero-container {
  max-width: var(--max-w);
  margin: 0 auto;
  width: 100%;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero-eyebrow {
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold-light);
  margin-bottom: 20px;
  background: linear-gradient(90deg, var(--gold-light) 0%, var(--gold-bright) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-headline {
  font-family: var(--font-display);
  font-size: clamp(2.2rem, 5vw, 3.6rem);
  font-weight: 800;
  color: #fff;
  line-height: 1.1;
  margin-bottom: 24px;
}
.hero-headline em {
  font-style: italic;
  color: var(--gold-light);
}

.hero-sub {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.75);
  line-height: 1.7;
  margin-bottom: 40px;
  max-width: 520px;
}

.hero-cta-group {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 48px;
}
.hero-cta-group .btn-ghost {
  color: rgba(255,255,255,0.85);
  border-color: rgba(255,255,255,0.3);
}
.hero-cta-group .btn-ghost:hover {
  border-color: rgba(255,255,255,0.7);
  background: rgba(255,255,255,0.08);
  color: #fff;
}

.hero-trust {
  display: flex;
  align-items: center;
  gap: 28px;
  padding: 24px 32px;
  background: rgba(255,255,255,0.08);
  border: 2px solid rgba(232, 176, 90, 0.35);
  border-radius: var(--radius);
  backdrop-filter: blur(10px);
  width: fit-content;
  box-shadow: 0 0 25px rgba(200, 144, 58, 0.25), 0 0 40px rgba(232, 176, 90, 0.15), inset 0 0 20px rgba(232, 176, 90, 0.1);
  transition: all 0.3s ease;
}
.hero-trust:hover {
  border-color: rgba(232, 176, 90, 0.55);
  box-shadow: 0 8px 32px rgba(200, 144, 58, 0.35), 0 0 50px rgba(232, 176, 90, 0.25), inset 0 0 25px rgba(232, 176, 90, 0.15);
  background: rgba(255,255,255,0.12);
}
.trust-item { text-align: center; }
.trust-num {
  display: block;
  font-family: var(--font-display);
  font-size: 1.7rem;
  font-weight: 700;
  color: var(--gold-light);
}
.trust-label {
  display: block;
  font-size: 0.75rem;
  color: rgba(255,255,255,0.6);
  margin-top: 2px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.trust-divider {
  width: 1px;
  height: 36px;
  background: rgba(255,255,255,0.15);
}

/* Hero photo column */
.hero-photo-wrap {
  position: relative;
  display: flex;
  justify-content: center;
}

.hero-photo-frame {
  width: 380px;
  height: 460px;
  border-radius: 24px 24px 120px 24px;
  background: linear-gradient(160deg, rgba(255,255,255,0.12) 0%, rgba(255,255,255,0.04) 100%);
  border: 2px solid rgba(232, 176, 90, 0.5);
  overflow: hidden;
  position: relative;
  box-shadow: var(--shadow-lg), 0 0 40px rgba(200, 144, 58, 0.35), 0 0 60px rgba(232, 176, 90, 0.25), inset 0 0 25px rgba(232, 176, 90, 0.12);
  transition: all 0.3s ease;
}
.hero-photo-frame:hover {
  border-color: rgba(232, 176, 90, 0.7);
  box-shadow: var(--shadow-lg), 0 0 50px rgba(200, 144, 58, 0.45), 0 0 80px rgba(232, 176, 90, 0.35), inset 0 0 30px rgba(232, 176, 90, 0.15);
}

.hero-photo-placeholder {
  width: 100%;
  height: 100%;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  position: relative;
}
.hero-photo-placeholder svg {
  width: 60%;
  height: auto;
  opacity: 0.6;
}
.photo-label {
  position: absolute;
  bottom: 28px;
  left: 0;
  right: 0;
  text-align: center;
  font-family: var(--font-display);
  font-size: 1.2rem;
  font-weight: 700;
  color: rgba(255,255,255,0.8);
}

/* Floating badges on hero photo */
.hero-badge-float {
  position: absolute;
  background: #fff;
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-md);
  padding: 12px 18px;
  white-space: nowrap;
}
.hero-badge-float--rate {
  top: 32px;
  right: -20px;
}
.badge-value {
  display: block;
  font-weight: 700;
  font-size: 1rem;
  color: var(--navy);
}
.badge-desc {
  display: block;
  font-size: 0.72rem;
  color: var(--text-muted);
  margin-top: 2px;
}
.hero-badge-float--approved {
  bottom: 60px;
  left: -20px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.badge-icon {
  width: 28px;
  height: 28px;
  background: #16a34a;
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  font-weight: 700;
  flex-shrink: 0;
}
.badge-text {
  font-weight: 600;
  font-size: 0.88rem;
  color: var(--navy);
}

/* ===== LOAN TYPES ===== */
.loans {
  padding: 100px 24px;
  background: var(--warm-white);
}

.loans-container {
  max-width: var(--max-w);
  margin: 0 auto;
}

.loans-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}

.loan-card {
  background: #fff;
  border: 2px solid var(--light-gray);
  border-radius: var(--radius);
  padding: 24px 20px;
  transition: all 0.25s ease;
  display: flex;
  flex-direction: column;
  gap: 8px;
  box-shadow: 0 0 12px rgba(15, 32, 68, 0.08);
}
.loan-card:hover {
  border-color: var(--blue-accent);
  box-shadow: 0 0 20px rgba(30, 111, 219, 0.25), 0 0 30px rgba(200, 144, 58, 0.15), var(--shadow);
  transform: translateY(-3px);
}

.loan-card--featured {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  border-color: rgba(232, 176, 90, 0.5);
  border-width: 2px;
  color: #fff;
  box-shadow: 0 8px 24px rgba(15, 32, 68, 0.2), 0 0 25px rgba(200, 144, 58, 0.3), inset 0 0 20px rgba(30, 111, 219, 0.1);
}
.loan-card--featured:hover {
  border-color: rgba(232, 176, 90, 0.8);
  box-shadow: 0 12px 32px rgba(15, 32, 68, 0.3), 0 0 40px rgba(200, 144, 58, 0.4), 0 0 60px rgba(232, 176, 90, 0.2), inset 0 0 20px rgba(30, 111, 219, 0.15);
  transform: translateY(-3px);
}
.loan-card--featured .loan-name { color: #fff; }
.loan-card--featured .loan-desc { color: rgba(255,255,255,0.7); }

.loan-card--cta {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  border-color: rgba(244, 196, 96, 0.6);
  border-width: 2px;
  color: #fff;
  align-items: flex-start;
  box-shadow: 0 8px 24px rgba(200, 144, 58, 0.3), 0 0 25px rgba(232, 176, 90, 0.35), 0 0 40px rgba(244, 196, 96, 0.2);
}
.loan-card--cta:hover {
  border-color: rgba(244, 196, 96, 0.9);
  box-shadow: 0 12px 32px rgba(200, 144, 58, 0.4), 0 0 40px rgba(232, 176, 90, 0.4), 0 0 60px rgba(244, 196, 96, 0.3);
  transform: translateY(-3px);
}
.loan-card--cta .loan-name { color: #fff; }
.loan-card--cta .loan-desc { color: rgba(255,255,255,0.85); }

.loan-icon {
  font-size: 1.5rem;
  margin-bottom: 4px;
}
.loan-name {
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--text-dark);
}
.loan-desc {
  font-size: 0.82rem;
  color: var(--text-muted);
  line-height: 1.5;
}
.loan-cta-btn {
  display: inline-block;
  margin-top: 10px;
  padding: 8px 18px;
  background: rgba(255,255,255,0.2);
  border: 1px solid rgba(255,255,255,0.5);
  border-radius: var(--radius-sm);
  color: #fff;
  font-weight: 700;
  font-size: 0.85rem;
  transition: background 0.2s;
}
.loan-cta-btn:hover { background: rgba(255,255,255,0.35); }

/* ===== ABOUT ===== */
.about {
  padding: 100px 24px;
  background: var(--cream);
}

.about-container {
  max-width: var(--max-w);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 380px 1fr;
  gap: 80px;
  align-items: center;
}

.about-photo-frame {
  border-radius: 24px 120px 24px 24px;
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-mid) 100%);
  height: 440px;
  overflow: hidden;
  box-shadow: var(--shadow-lg), 0 0 40px rgba(200, 144, 58, 0.35), 0 0 60px rgba(232, 176, 90, 0.25), inset 0 0 20px rgba(232, 176, 90, 0.12);
  position: relative;
  border: 2px solid rgba(232, 176, 90, 0.5);
}

.about-photo-placeholder {
  width: 100%;
  height: 100%;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  position: relative;
}
.about-photo-placeholder svg {
  width: 55%;
  height: auto;
}
.about-photo-name {
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 700;
  color: rgba(255,255,255,0.85);
  margin-top: 12px;
}
.about-photo-title {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.55);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-top: 4px;
}

.about-credentials {
  margin-top: 20px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.credential {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 14px;
  background: #fff;
  border: 2px solid var(--light-gray);
  border-radius: var(--radius-sm);
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text-dark);
  transition: all 0.25s ease;
  box-shadow: 0 0 12px rgba(200, 144, 58, 0.1);
}
.credential:hover {
  border-color: var(--gold-light);
  box-shadow: 0 4px 16px rgba(200, 144, 58, 0.25), 0 0 18px rgba(232, 176, 90, 0.2), 0 0 30px rgba(244, 196, 96, 0.1);
  transform: translateY(-2px);
}
.cred-icon { font-size: 1.1rem; }

.about-body {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-bottom: 36px;
  color: var(--text-body);
  line-height: 1.75;
}

.about-highlights {
  display: flex;
  gap: 36px;
  padding: 24px 32px;
  background: linear-gradient(135deg, var(--warm-white) 0%, #ffffff 100%);
  border-radius: var(--radius);
  border: 2px solid rgba(200, 144, 58, 0.3);
  margin-bottom: 32px;
  box-shadow: 0 4px 20px rgba(200, 144, 58, 0.15), inset 0 0 20px rgba(232, 176, 90, 0.1), 0 0 20px rgba(232, 176, 90, 0.1);
}
.highlight-item { text-align: center; }
.highlight-num {
  display: block;
  font-family: var(--font-display);
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--navy);
}
.highlight-label {
  display: block;
  font-size: 0.78rem;
  color: var(--text-muted);
  margin-top: 2px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

/* ===== TESTIMONIALS ===== */
.testimonials {
  padding: 100px 24px;
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-mid) 100%);
  position: relative;
  overflow: hidden;
}
.testimonials::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 15% 85%, rgba(200, 144, 58, 0.12) 0%, transparent 45%),
    radial-gradient(circle at 85% 15%, rgba(30, 111, 219, 0.15) 0%, transparent 45%);
  pointer-events: none;
}

.testimonials-container {
  max-width: var(--max-w);
  margin: 0 auto;
  position: relative;
  z-index: 1;
  text-align: center;
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 56px;
  text-align: left;
}

.testimonial-card {
  background: rgba(255,255,255,0.07);
  border: 2px solid rgba(200, 144, 58, 0.2);
  border-radius: var(--radius-lg);
  padding: 32px;
  backdrop-filter: blur(10px);
  transition: all 0.25s ease;
  box-shadow: 0 0 20px rgba(200, 144, 58, 0.15), inset 0 0 15px rgba(232, 176, 90, 0.05);
}
.testimonial-card:hover {
  background: rgba(255,255,255,0.12);
  transform: translateY(-4px);
  box-shadow: 0 8px 32px rgba(200, 144, 58, 0.3), 0 0 30px rgba(232, 176, 90, 0.25), 0 0 50px rgba(244, 196, 96, 0.15), inset 0 0 20px rgba(232, 176, 90, 0.1);
  border-color: rgba(200, 144, 58, 0.5);
}
.testimonial-card--featured {
  background: rgba(255,255,255,0.12);
  border: 2px solid rgba(200, 144, 58, 0.6);
  grid-row: span 1;
  box-shadow: 0 0 30px rgba(200, 144, 58, 0.35), 0 0 50px rgba(232, 176, 90, 0.25), inset 0 0 20px rgba(232, 176, 90, 0.12);
  transition: all 0.25s ease;
}
.testimonial-card--featured:hover {
  border-color: rgba(200, 144, 58, 0.8);
  box-shadow: 0 8px 40px rgba(200, 144, 58, 0.4), 0 0 60px rgba(232, 176, 90, 0.35), 0 0 80px rgba(244, 196, 96, 0.2), inset 0 0 25px rgba(232, 176, 90, 0.15);
  transform: translateY(-4px);
}

.testimonial-stars {
  color: var(--gold-light);
  font-size: 1rem;
  letter-spacing: 2px;
  margin-bottom: 16px;
}

.testimonial-quote {
  font-size: 0.95rem;
  color: rgba(255,255,255,0.85);
  line-height: 1.7;
  font-style: italic;
  margin-bottom: 24px;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}
.author-avatar {
  width: 42px;
  height: 42px;
  background: linear-gradient(135deg, var(--blue-accent) 0%, var(--navy-light) 100%);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.85rem;
  color: #fff;
  flex-shrink: 0;
}
.author-name {
  font-weight: 700;
  font-size: 0.9rem;
  color: #fff;
}
.author-detail {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.5);
  margin-top: 2px;
}

.testimonials-cta {
  margin-top: 56px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 20px;
}
.testimonials-cta p {
  color: rgba(255,255,255,0.7);
  font-size: 1.05rem;
}

/* ===== APPLICATION FORM ===== */
.apply {
  padding: 100px 24px;
  background: var(--warm-white);
}

.apply-container {
  max-width: 760px;
  margin: 0 auto;
  text-align: center;
}

.apply-form-wrap {
  background: #fff;
  border: 2px solid rgba(200, 144, 58, 0.3);
  border-radius: var(--radius-lg);
  padding: 48px 56px;
  margin-top: 48px;
  box-shadow: var(--shadow-md), 0 0 30px rgba(200, 144, 58, 0.2), 0 0 50px rgba(232, 176, 90, 0.1), inset 0 0 20px rgba(232, 176, 90, 0.05);
  text-align: left;
}

/* Progress bar */
.form-progress-wrap {
  margin-bottom: 40px;
}
.form-progress-bar {
  height: 6px;
  background: var(--light-gray);
  border-radius: 100px;
  overflow: hidden;
  margin-bottom: 16px;
}
.form-progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--blue-accent) 0%, var(--gold) 50%, var(--gold-light) 100%);
  border-radius: 100px;
  transition: width 0.4s ease;
  box-shadow: 0 0 15px rgba(200, 144, 58, 0.6), 0 0 30px rgba(232, 176, 90, 0.4), 0 0 40px rgba(244, 196, 96, 0.25);
}
.form-step-dots {
  display: flex;
  gap: 8px;
  margin-bottom: 8px;
}
.step-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--light-gray);
  transition: all 0.3s ease;
}
.step-dot.active {
  background: var(--blue-accent);
  box-shadow: 0 0 12px rgba(30, 111, 219, 0.6), 0 0 20px rgba(200, 144, 58, 0.3);
}
.step-counter {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.07em;
}

/* Steps */
.form-step { display: none; }
.form-step.active { display: block; }

.step-title {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 8px;
}
.step-sub {
  font-size: 0.92rem;
  color: var(--text-muted);
  margin-bottom: 28px;
}

/* Radio grid for step 1 & others */
.radio-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
}
.radio-grid--4 { grid-template-columns: repeat(4, 1fr); }
.radio-grid--3 { grid-template-columns: repeat(3, 1fr); }

.radio-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  padding: 20px 12px;
  border: 2px solid var(--light-gray);
  border-radius: var(--radius);
  cursor: pointer;
  transition: all 0.2s ease;
  text-align: center;
  box-shadow: 0 0 8px rgba(15, 32, 68, 0.05);
}
.radio-card:hover {
  border-color: var(--blue-accent);
  background: rgba(30, 111, 219, 0.06);
  box-shadow: 0 0 15px rgba(30, 111, 219, 0.2), 0 0 25px rgba(200, 144, 58, 0.1);
}
.radio-card input[type="radio"] { display: none; }
.radio-card:has(input:checked) {
  border-color: var(--blue-accent);
  background: rgba(30, 111, 219, 0.08);
  box-shadow: 0 0 20px rgba(30, 111, 219, 0.35), 0 0 30px rgba(200, 144, 58, 0.2), inset 0 0 10px rgba(30, 111, 219, 0.1);
}
.radio-icon { font-size: 1.6rem; }
.radio-label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-dark);
  line-height: 1.3;
}

/* Form fields */
.form-fields { display: flex; flex-direction: column; gap: 20px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field-group { display: flex; flex-direction: column; gap: 6px; }

.field-label {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text-dark);
}

.field-input, .field-select, .field-textarea {
  padding: 12px 16px;
  border: 2px solid var(--light-gray);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--text-dark);
  background: #fff;
  transition: all 0.2s ease;
  width: 100%;
}
.field-input:focus, .field-select:focus, .field-textarea:focus {
  outline: none;
  border-color: var(--blue-accent);
  box-shadow: 0 0 15px rgba(30, 111, 219, 0.25), 0 0 25px rgba(200, 144, 58, 0.15), inset 0 0 8px rgba(30, 111, 219, 0.08);
}
.field-textarea { resize: vertical; }

/* Consent checkbox */
.form-consent { margin-top: 8px; }
.checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  cursor: pointer;
  font-size: 0.82rem;
  color: var(--text-muted);
  line-height: 1.5;
}
.checkbox-label input { margin-top: 3px; flex-shrink: 0; }

/* Form nav */
.form-nav {
  display: flex;
  justify-content: flex-end;
  gap: 12px;
  margin-top: 36px;
  padding-top: 28px;
  border-top: 1px solid var(--light-gray);
}

/* Success state */
.form-success {
  text-align: center;
  padding: 60px 40px;
}
.success-icon {
  width: 64px;
  height: 64px;
  background: #16a34a;
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.8rem;
  font-weight: 700;
  margin: 0 auto 24px;
}
.form-success h3 {
  font-family: var(--font-display);
  font-size: 1.8rem;
  color: var(--text-dark);
  margin-bottom: 12px;
}
.form-success p { color: var(--text-muted); line-height: 1.7; }

/* ===== FOOTER ===== */
.footer {
  background: var(--navy);
  position: relative;
  box-shadow: inset 0 20px 40px rgba(200, 144, 58, 0.08);
}

.footer-top {
  padding: 60px 24px 40px;
}

.footer-container {
  max-width: var(--max-w);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 48px;
}

.footer-name {
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 4px;
}
.footer-title {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.55);
  margin-bottom: 8px;
}
.footer-nmls {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--gold-light);
  margin-bottom: 20px;
  text-shadow: 0 0 12px rgba(232, 176, 90, 0.5), 0 0 20px rgba(200, 144, 58, 0.25);
  display: inline-block;
  padding: 4px 8px;
  border-radius: 4px;
  background: rgba(232, 176, 90, 0.08);
}
.footer-address {
  display: flex;
  flex-direction: column;
  gap: 2px;
  margin-bottom: 16px;
}
.footer-address-line {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.6);
}

.footer-contact { display: flex; flex-direction: column; gap: 10px; }
.footer-contact-link {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.7);
  transition: all 0.2s;
}
.footer-contact-link:hover {
  color: var(--gold-light);
  text-shadow: 0 0 10px rgba(232, 176, 90, 0.4), 0 0 20px rgba(200, 144, 58, 0.2);
}

.footer-links-heading {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.4);
  margin-bottom: 16px;
}
.footer-links-col { display: flex; flex-direction: column; gap: 8px; }
.footer-link {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.65);
  transition: all 0.2s;
}
.footer-link:hover {
  color: var(--gold-light);
  text-shadow: 0 0 10px rgba(232, 176, 90, 0.4), 0 0 20px rgba(200, 144, 58, 0.2);
}
.footer-area {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.55);
}

.footer-divider {
  height: 2px;
  background: linear-gradient(90deg, transparent 0%, rgba(232, 176, 90, 0.3) 20%, rgba(232, 176, 90, 0.3) 80%, transparent 100%);
  max-width: var(--max-w);
  margin: 0 auto;
  box-shadow: 0 0 15px rgba(200, 144, 58, 0.2);
}

.footer-compliance {
  padding: 32px 24px 40px;
}
.footer-compliance .footer-container {
  display: flex;
  gap: 32px;
  align-items: flex-start;
  grid-template-columns: unset;
}

.footer-equal-housing {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  flex-shrink: 0;
}
.equal-housing-logo {
  width: 44px;
  height: 44px;
  border: 2px solid rgba(232, 176, 90, 0.3);
  border-radius: 4px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  color: rgba(255,255,255,0.6);
  transition: all 0.2s;
  box-shadow: 0 0 10px rgba(200, 144, 58, 0.15);
}
.equal-housing-logo:hover {
  border-color: rgba(232, 176, 90, 0.5);
  box-shadow: 0 0 15px rgba(200, 144, 58, 0.3), 0 0 25px rgba(232, 176, 90, 0.2);
  color: rgba(255,255,255,0.8);
}
.equal-housing-text {
  font-size: 0.68rem;
  color: rgba(255,255,255,0.4);
  text-align: center;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  max-width: 70px;
}

.footer-disclaimer {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer-disclaimer p {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.4);
  line-height: 1.6;
}
.footer-copyright { margin-top: 4px; }
.footer-nmls-link {
  color: rgba(255,255,255,0.5);
  text-decoration: underline;
  text-underline-offset: 2px;
  transition: all 0.2s;
}
.footer-nmls-link:hover {
  color: var(--gold-light);
  text-shadow: 0 0 10px rgba(232, 176, 90, 0.4), 0 0 20px rgba(200, 144, 58, 0.2);
}

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .loans-grid { grid-template-columns: repeat(3, 1fr); }
  .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-container { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .hero-container { grid-template-columns: 1fr; gap: 48px; }
  .hero-photo-wrap { order: -1; }
  .hero-photo-frame { width: 280px; height: 340px; }
  .hero-badge-float--rate { right: 0; top: 16px; }
  .hero-badge-float--approved { left: 0; bottom: 40px; }
  .hero-trust { gap: 20px; padding: 20px 24px; flex-wrap: wrap; }
  .hero-headline { font-size: 2.2rem; }

  .loans-grid { grid-template-columns: repeat(2, 1fr); }

  .about-container { grid-template-columns: 1fr; gap: 40px; }
  .about-photo-frame { height: 300px; }
  .about-highlights { gap: 20px; padding: 20px 24px; flex-wrap: wrap; }

  .testimonials-grid { grid-template-columns: 1fr; }

  .apply-form-wrap { padding: 32px 24px; }
  .radio-grid { grid-template-columns: repeat(2, 1fr); }
  .radio-grid--4 { grid-template-columns: repeat(2, 1fr); }
  .radio-grid--3 { grid-template-columns: repeat(2, 1fr); }
  .field-row { grid-template-columns: 1fr; }

  .footer-container { grid-template-columns: 1fr; gap: 32px; }
  .footer-compliance .footer-container { flex-direction: column; }
}

@media (max-width: 480px) {
  .hero { padding: 60px 20px; min-height: auto; }
  .loans-grid { grid-template-columns: 1fr 1fr; }
  .hero-cta-group { flex-direction: column; }
}