/* ============================================================
   Hansen Cheng — Real Estate · Mortgage · Commercial Loans
   Cinematic navy/gold rebuild — index.html
   Design: Inter Black hero · black/gray typographic rhythm ·
           Navy #1B2B4B + Gold #C9A84C · generous whitespace
   ============================================================ */

/* ---------- Fonts ---------- */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800;900&display=swap');

/* ---------- Design tokens ---------- */
:root{
  --navy:#1B2B4B;
  --navy-deep:#12203a;
  --navy-700:#26385c;
  --gold:#C9A84C;
  --gold-dark:#b0902f;
  --gold-soft:#e4cf94;

  --ink:#111318;          /* near-black bold text */
  --ink-soft:#3a3d45;
  --gray:#999999;         /* regular gray copy */
  --gray-line:#e9e9e5;
  --paper:#f8f7f3;        /* warm off-white sections */
  --white:#ffffff;
  --sky-top:#8ec8ef;
  --sky-bot:#d4ecf8;

  --maxw:1240px;
  --nav-h:64px;
  --ease:cubic-bezier(.22,.61,.36,1);
  --ease-out:cubic-bezier(.16,1,.3,1);

  --shadow-card:0 1px 2px rgba(27,43,75,.05), 0 14px 34px -14px rgba(27,43,75,.16);
  --shadow-lift:0 10px 20px rgba(27,43,75,.09), 0 34px 60px -18px rgba(27,43,75,.30);
  --shadow-nav:0 1px 0 rgba(27,43,75,.06), 0 12px 30px -18px rgba(27,43,75,.35);

  /* split hero: fixed sky layer + rising building layer (also used for the brand clip) */
  --hero-sky:url('./assets/Hansen-Hero-Sky.png');
  --hero-building:url('./assets/Hansen-Hero-Building.png');
  --hero-clip-img:url('./assets/Hansen-Hero-Building.png');
}

*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;}
body{
  margin:0;
  font-family:'Inter',system-ui,-apple-system,sans-serif;
  color:var(--ink);
  background:var(--white);
  font-size:17px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}
img{max-width:100%;display:block;}
a{color:inherit;text-decoration:none;}
button{font-family:inherit;cursor:pointer;border:0;background:none;color:inherit;}
h1,h2,h3,h4,p{margin:0;}
svg.lu{width:100%;height:100%;display:block;}

.wrap{max-width:var(--maxw);margin:0 auto;padding:0 28px;width:100%;}

/* ---------- Language system ---------- */
.lang{display:none;}
html[data-lang="en"] .lang-en,
html[data-lang="zh"] .lang-zh,
html[data-lang="ko"] .lang-ko,
html[data-lang="es"] .lang-es{display:revert;}
html[data-lang="zh"] body,html[data-lang="ko"] body{line-height:1.8;}

/* ---------- Reveal on scroll (JS adds .in) ---------- */
.reveal{
  opacity:0;
  transform:translateY(34px);
  transition:opacity .8s var(--ease-out), transform .8s var(--ease-out);
  will-change:opacity,transform;
}
.reveal.in{opacity:1;transform:none;}
.reveal.d1{transition-delay:.10s;}
.reveal.d2{transition-delay:.20s;}
@media (prefers-reduced-motion:reduce){
  .reveal{opacity:1;transform:none;transition:none;}
}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5em;
  font-weight:700;font-size:15px;letter-spacing:.01em;
  padding:14px 26px;border-radius:999px;
  transition:transform .3s var(--ease), box-shadow .3s var(--ease), background .3s var(--ease), color .3s var(--ease);
  white-space:nowrap;
}
.btn .arrow{width:18px;height:18px;display:inline-block;}
.btn-gold{background:var(--gold);color:var(--navy-deep);box-shadow:0 8px 22px -8px rgba(201,168,76,.7);}
.btn-gold:hover{background:var(--gold-dark);transform:translateY(-2px);box-shadow:0 12px 28px -8px rgba(201,168,76,.85);}
.btn-navy{background:var(--navy);color:#fff;}
.btn-navy:hover{background:var(--navy-deep);transform:translateY(-2px);box-shadow:var(--shadow-lift);}
.btn-ghost{background:transparent;color:var(--navy);border:1.5px solid rgba(27,43,75,.22);}
.btn-ghost:hover{border-color:var(--navy);background:rgba(27,43,75,.04);transform:translateY(-2px);}
.btn-ghost-light{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.35);}
.btn-ghost-light:hover{border-color:#fff;background:rgba(255,255,255,.08);transform:translateY(-2px);}

/* ============================================================
   NAV
   ============================================================ */
.nav{
  position:fixed;top:0;left:0;right:0;z-index:60;
  height:var(--nav-h);
  background:rgba(255,255,255,.72);
  backdrop-filter:saturate(160%) blur(14px);
  -webkit-backdrop-filter:saturate(160%) blur(14px);
  transition:box-shadow .35s var(--ease), background .35s var(--ease);
}
.nav.scrolled{background:rgba(255,255,255,.9);box-shadow:var(--shadow-nav);}
.nav-inner{
  max-width:var(--maxw);margin:0 auto;height:100%;padding:0 28px;
  display:flex;align-items:center;justify-content:space-between;gap:24px;
}
.brand{display:flex;align-items:center;gap:11px;}
.brand-badge{
  flex-shrink:0;width:40px;height:40px;background:var(--navy);border-radius:11px;
  display:flex;align-items:center;justify-content:center;
}
.brand-badge .hc-mono{width:24px;height:16px;display:block;}
.brand-word{display:flex;flex-direction:column;gap:3px;line-height:1;}
.brand .mark{font-weight:900;font-size:19px;letter-spacing:-.02em;color:var(--navy);}
.brand .est{font-size:10px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--gray);}

.logo-lockup{display:inline-flex;align-items:center;gap:14px;line-height:1;}
.logo-badge{
  flex-shrink:0;width:40px;height:40px;border-radius:11px;
  display:flex;align-items:center;justify-content:center;
}
.logo-mono{width:24px;height:16px;display:block;}
.logo-word{display:flex;flex-direction:column;gap:4px;line-height:1;}
.logo-name{font-weight:900;font-size:22px;letter-spacing:0;}
.logo-sub{font-size:11px;font-weight:700;letter-spacing:2.4px;text-transform:uppercase;white-space:nowrap;}
.logo-light .logo-badge{background:#1B2B4B;color:#C9A84C;}
.logo-light .logo-name{color:#1B2B4B;}
.logo-light .logo-sub{color:rgba(27,43,75,.45);}
.logo-dark{gap:18px;}
.logo-dark .logo-badge{width:54px;height:54px;border-radius:14px;background:linear-gradient(135deg,#EBD08A 0%,#C9A84C 45%,#A07E32 100%);color:#1B2B4B;}
.logo-dark .logo-mono{width:34px;height:23px;}
.logo-dark .logo-name{font-size:42px;letter-spacing:-1px;color:#fff;}
.logo-dark .logo-sub{font-size:10px;letter-spacing:2.5px;color:#C9A84C;}

.nav-center{display:flex;align-items:center;gap:6px;}
.nav-link{
  position:relative;display:inline-flex;align-items:center;gap:5px;
  padding:9px 14px;border-radius:8px;
  font-size:15px;font-weight:600;color:var(--ink-soft);
  transition:color .2s var(--ease);
}
.nav-link:hover{color:var(--navy);}
.nav-link .chev{width:15px;height:15px;display:inline-flex;color:var(--gray);transition:transform .3s var(--ease);}
.has-drop:hover .nav-link .chev,.has-drop.open .nav-link .chev{transform:rotate(180deg);}

.has-drop{position:relative;}
.dropdown{
  position:absolute;top:calc(100% + 8px);left:50%;transform:translateX(-50%) translateY(8px);
  z-index:70;
  min-width:230px;background:rgba(255,255,255,.6);border:1px solid rgba(233,233,229,.6);border-radius:0;
  backdrop-filter:saturate(140%) blur(10px);
  -webkit-backdrop-filter:saturate(140%) blur(10px);
  box-shadow:var(--shadow-card);padding:10px;
  opacity:0;visibility:hidden;transition:opacity .25s var(--ease),transform .25s var(--ease);
}
/* invisible hover bridge: spans the gap between trigger and menu so
   moving the pointer down keeps .has-drop:hover true (menu stays open) */
.dropdown::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px;}
.has-drop:hover .dropdown,.has-drop.open .dropdown{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0);}
.drop-item{
  display:flex;flex-direction:column;gap:2px;padding:12px 14px;border-radius:0;
  font-weight:700;font-size:15px;color:var(--ink);transition:background .2s var(--ease);
}
.drop-item:hover{background:rgba(248,247,243,.72);}

.nav-right{display:flex;align-items:center;gap:14px;}
.nav-right .btn-gold{padding:11px 20px;font-size:14px;}

/* Desktop language toggle in nav */
.lang-toggle{display:flex;gap:2px;font-size:11px;letter-spacing:.5px;}
.lang-toggle .lang-btn{
  padding:4px 7px;border-radius:4px;background:transparent;
  color:rgb(153,153,153);border:1px solid transparent;cursor:pointer;
  margin:0;font-weight:600;transition:color .2s var(--ease),border-color .2s var(--ease);
}
.lang-toggle .lang-btn:hover{color:var(--navy);}
.lang-toggle .lang-btn.active{color:rgb(27,43,75);border-color:rgba(27,43,75,.2);background:transparent;}
@media (max-width:768px){.lang-toggle{display:none;}}

/* Nav phone button: match HC badge style (navy bg + gold text) */
.nav-right .btn-gold{
  background:var(--navy);color:var(--gold);box-shadow:none;border-radius:12px;
}
.nav-right .btn-gold:hover{
  background:var(--navy-deep);color:var(--gold-soft);transform:translateY(-2px);box-shadow:none;
}
/* Mobile drawer call button: same treatment */
.drawer .btn-gold{
  background:var(--navy);color:var(--gold);box-shadow:none;border-radius:12px;
}
.drawer .btn-gold:hover{
  background:var(--navy-deep);color:var(--gold-soft);box-shadow:none;
}

.hamburger{display:none;flex-direction:column;gap:5px;padding:8px;}
.hamburger span{display:block;width:24px;height:2px;background:var(--navy);border-radius:2px;transition:transform .3s var(--ease),opacity .3s var(--ease);}
.hamburger.active span:nth-child(1){transform:translateY(7px) rotate(45deg);}
.hamburger.active span:nth-child(2){opacity:0;}
.hamburger.active span:nth-child(3){transform:translateY(-7px) rotate(-45deg);}

/* ---------- Mobile drawer ---------- */
.drawer-scrim{
  position:fixed;inset:0;z-index:70;background:rgba(18,32,58,.45);
  opacity:0;visibility:hidden;transition:opacity .3s var(--ease);
}
.drawer-scrim.open{opacity:1;visibility:visible;}
.drawer{
  position:fixed;top:0;right:0;z-index:80;height:100%;
  width:min(320px,90vw);max-width:320px;box-sizing:border-box;
  background:#fff;transform:translateX(100%);transition:transform .4s var(--ease);
  padding:22px;display:flex;flex-direction:column;gap:4px;
  overflow-y:auto;overflow-x:hidden;
}
.drawer a,.drawer .d-link,.drawer .d-sublink{white-space:normal;word-break:break-word;}
.drawer.open{transform:translateX(0);box-shadow:-20px 0 60px -20px rgba(18,32,58,.4);}
.drawer-head{display:flex;align-items:flex-start;justify-content:space-between;margin-bottom:14px;}
.drawer-close{font-size:30px;line-height:1;color:var(--gray);width:40px;height:40px;}
.d-sub{font-size:11px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gray);margin:14px 0 4px;}
.d-sublink{padding:9px 10px;border-radius:8px;font-weight:600;color:var(--ink-soft);}
.d-link{padding:12px 10px;border-radius:8px;font-weight:700;font-size:17px;border-top:1px solid var(--gray-line);}
.d-sublink:hover,.d-link:hover{background:var(--paper);color:var(--navy);}
.lang-switch{margin-top:18px;padding-top:16px;border-top:1px solid var(--gray-line);}
.lang-label{display:block;font-size:11px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gray);margin-bottom:8px;}
.lang-btn{
  padding:8px 14px;margin:0 6px 6px 0;border:1px solid var(--gray-line);border-radius:999px;
  font-size:13px;font-weight:600;color:var(--ink-soft);transition:all .2s var(--ease);
}
.lang-btn:hover{border-color:var(--navy);}
.lang-btn.active{background:var(--navy);color:#fff;border-color:var(--navy);}
.drawer-call{margin-top:20px;}

/* ============================================================
   HERO — full photo with localized text scrim
   ============================================================ */
.hero{
  position:relative;min-height:100vh;overflow:hidden;isolation:isolate;
  display:flex;align-items:center;justify-content:center;
  padding:calc(var(--nav-h) + 64px) 24px 72px;
}
.hero-bg{
  position:absolute;inset:0;z-index:0;
  background:url('./assets/hansen-hero.png') center center / cover no-repeat;
}
.hero-content{
  position:relative;
  z-index:1;
  text-align:center;
  padding:48px 64px;
  max-width:min(980px, calc(100vw - 32px));
}
.hero-title{
  color:white;
  text-shadow:0 2px 12px rgba(0,0,0,0.3);
  font-size:clamp(48px,6vw,88px);font-weight:900;letter-spacing:0;line-height:1;white-space:nowrap;
}
.hero-sub{
  font-size:13px;font-weight:700;letter-spacing:3px;text-transform:uppercase;
  color:rgba(255,255,255,0.85);margin-top:24px;
  text-shadow:0 1px 8px rgba(0,0,0,.24);
}
.hero-cta{display:flex;flex-wrap:wrap;gap:14px;justify-content:center;margin-top:22px;}
.hero-cta .arrow{width:18px;height:18px;display:inline-block;}
@media (max-width:640px){
  .hero{min-height:100svh;padding:calc(var(--nav-h) + 44px) 18px 56px;}
  .hero-content{width:100%;max-width:350px;padding:32px 16px;}
  .hero-title{font-size:clamp(30px,8.6vw,38px);line-height:1.04;white-space:normal;}
  .hero-sub{max-width:300px;margin-left:auto;margin-right:auto;font-size:10px;letter-spacing:1.4px;line-height:1.5;margin-top:18px;}
  .hero-cta{margin-top:18px;}
}

/* ============================================================
   TRUST BAR — navy ground, gold huge numbers, tiny labels
   ============================================================ */
.trust{background:var(--navy);color:#fff;position:relative;z-index:10;}
.trust .wrap{
  display:grid;grid-template-columns:repeat(4,1fr);gap:24px;
  padding-top:64px;padding-bottom:64px;
}
.trust .stat{text-align:center;position:relative;}
.trust .stat + .stat::before{
  content:"";position:absolute;left:-12px;top:14%;height:72%;width:1px;background:rgba(255,255,255,.12);
}
.trust .num{
  font-weight:900;line-height:1;letter-spacing:-1px;
  font-size:60px;
  color:var(--gold);
}
.trust .stat:first-child .num{
  font-size:44px;line-height:1.1;
}
/* BUG2 fix: label contrast raised to .82 (was .62 → WCAG fail at small size) */
.trust .lab{
  font-size:13px;font-weight:600;letter-spacing:2px;
  color:rgba(255,255,255,.82);
  margin-top:8px;
}

/* ============================================================
   SECTION scaffolding + type rhythm
   ============================================================ */
.section{padding:80px 0;}
.eyebrow{
  font-size:12px;font-weight:800;letter-spacing:.24em;text-transform:uppercase;color:var(--gold-dark);
}
.h2{
  font-weight:900;letter-spacing:-.03em;line-height:1.05;
  font-size:clamp(30px,4.4vw,54px);color:var(--ink);
  max-width:16ch;
}

/* ============================================================
   SERVICES — 3 cards with hover lift
   ============================================================ */
.cards-3{
  display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:56px;
}
.card{
  display:flex;flex-direction:column;gap:12px;
  padding:34px 30px 30px;background:#fff;border:1px solid var(--gray-line);border-radius:20px;
  box-shadow:var(--shadow-card);
  transition:transform .4s var(--ease), box-shadow .4s var(--ease), border-color .4s var(--ease);
}
.card:hover{transform:translateY(-8px);box-shadow:var(--shadow-lift);border-color:rgba(201,168,76,.5);}
.card .ic{
  width:56px;height:56px;padding:14px;border-radius:14px;
  background:linear-gradient(150deg,var(--navy),var(--navy-700));color:var(--gold-soft);
  transition:background .4s var(--ease);
}
.card:hover .ic{background:linear-gradient(150deg,var(--gold),var(--gold-dark));color:#fff;}
.card h3{font-weight:900;font-size:23px;letter-spacing:-.02em;color:var(--ink);margin-top:6px;}
.card .ctitle{font-weight:700;font-size:14px;color:var(--navy);}
.card p{font-size:15px;color:var(--gray);line-height:1.62;flex:1;}
.badge{
  align-self:flex-start;font-size:11px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;
  padding:6px 12px;border-radius:999px;background:rgba(27,43,75,.06);color:var(--navy);
}
.badge.gold{background:rgba(201,168,76,.14);color:var(--gold-dark);}
.explore{
  display:inline-flex;align-items:center;gap:8px;margin-top:6px;
  font-weight:800;font-size:14px;color:var(--navy);
}
.explore .arrow{width:17px;height:17px;transition:transform .3s var(--ease);}
.card:hover .explore .arrow{transform:translateX(5px);}

/* ============================================================
   WHY HANSEN — anchor label + big black / gray lines + bullets
   ============================================================ */
.split{
  display:grid;grid-template-columns:200px 1fr;gap:48px;align-items:start;
}
.anchor{
  font-size:12px;font-weight:800;letter-spacing:.24em;text-transform:uppercase;color:var(--gold-dark);
  padding-top:10px;position:sticky;top:100px;
}
.bigline{
  font-weight:900;letter-spacing:-.03em;line-height:1.06;
  font-size:clamp(28px,4vw,46px);color:var(--ink);max-width:16ch;
}
.grayline{
  margin-top:18px;font-size:clamp(17px,2vw,21px);line-height:1.55;color:var(--gray);font-weight:500;max-width:44ch;
}
.bullets{margin-top:40px;display:flex;flex-direction:column;gap:2px;}
.bullet{display:flex;align-items:flex-start;gap:16px;padding:18px 0;border-top:1px solid var(--gray-line);}
.bullet:last-child{border-bottom:1px solid var(--gray-line);}
.bic{
  flex:none;width:42px;height:42px;padding:10px;border-radius:11px;
  background:var(--paper);color:var(--navy);border:1px solid var(--gray-line);
}
.btxt{font-size:16px;color:var(--gray);line-height:1.5;padding-top:3px;}
.btxt b{color:var(--ink);font-weight:800;}

/* ============================================================
   IDENTITY — black/gray statement + chevron clip-path strip
   ============================================================ */
.identity{text-align:center;}
.identity .wrap{max-width:1120px;}
.stmt{
  font-weight:900;letter-spacing:-.03em;line-height:1.08;
  font-size:clamp(30px,4.6vw,58px);color:var(--ink);max-width:20ch;margin:0 auto;
}
.stmt .g{color:var(--gray);}

.chev-strip{
  display:flex;gap:12px;margin:64px 0;height:min(360px,46vw);
}
.chev-panel{
  flex:1;background-size:cover;background-position:center;
  clip-path:polygon(0 0, calc(100% - 46px) 0, 100% 50%, calc(100% - 46px) 100%, 0 100%, 46px 50%);
  transition:transform .5s var(--ease), filter .5s var(--ease);
  filter:saturate(.92);
}
.chev-panel:first-child{clip-path:polygon(0 0, calc(100% - 46px) 0, 100% 50%, calc(100% - 46px) 100%, 0 100%);}
.chev-panel:hover{transform:scale(1.03);filter:saturate(1.05);}
.identity .body{max-width:640px;margin:0 auto;}
.identity .body p{font-size:clamp(18px,2.2vw,23px);line-height:1.5;color:var(--ink);font-weight:600;margin-bottom:6px;}
.identity .body p.g{color:var(--gray);font-weight:500;}

/* ============================================================
   AREA — pills
   ============================================================ */
.area-wrap{background:var(--paper);text-align:center;}
.area-wrap .eyebrow,.area-wrap .h2{text-align:center;}
.area-wrap .h2{max-width:none;margin-left:auto;margin-right:auto;}
.pills{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;margin-top:44px;}
.pill{
  padding:11px 22px;border-radius:999px;background:#fff;border:1px solid var(--gray-line);
  font-weight:700;font-size:15px;color:var(--ink-soft);
  transition:transform .3s var(--ease),border-color .3s var(--ease),color .3s var(--ease);
}
.pill:hover{transform:translateY(-3px);border-color:var(--navy);color:var(--navy);}
.pill.hq{background:var(--navy);color:#fff;border-color:var(--navy);}
.pill.hq:hover{color:#fff;}
.lead{font-size:15px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--gray);}

/* ============================================================
   TESTIMONIALS carousel (JS translateX track)
   ============================================================ */
.testi{text-align:center;}
.testi-head{margin:0 auto;}
.testi-head .eyebrow,.testi-head .h2{text-align:center;}
.testi-head .h2{max-width:none;}
.carousel{position:relative;max-width:820px;margin:56px auto 0;}
.track{overflow:hidden;}
.slides{display:flex;transition:transform .6s var(--ease);}
.slide{flex:0 0 100%;min-width:100%;padding:6px;}
.quote-card{
  background:#fff;border:1px solid rgba(27,43,75,.06);border-radius:24px;
  padding:56px 64px;box-shadow:0 8px 40px rgba(27,43,75,.10);position:relative;
}
.stars{color:var(--gold);letter-spacing:.14em;font-size:20px;margin-bottom:20px;}
.quote{font-weight:700;letter-spacing:-.01em;line-height:1.4;font-size:clamp(20px,2.6vw,28px);color:var(--ink);}
.qauthor{margin-top:22px;font-size:14px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gray);}

.carousel-ctrl{display:flex;align-items:center;justify-content:center;gap:18px;margin-top:30px;}
.arrow-btn{
  width:46px;height:46px;padding:12px;border-radius:999px;border:1px solid var(--gray-line);
  color:var(--navy);background:#fff;transition:all .25s var(--ease);
}
.arrow-btn:hover{background:var(--navy);color:#fff;border-color:var(--navy);transform:translateY(-2px);}
.dots{display:flex;gap:9px;}
.dot-btn{width:9px;height:9px;border-radius:999px;background:var(--gray-line);transition:all .3s var(--ease);}
.dot-btn.active{background:var(--gold);width:26px;}
.source-badge{margin-top:24px;font-size:13px;color:var(--gray);}
.source-badge b{color:var(--ink);}

/* ============================================================
   CREDENTIALS
   ============================================================ */
.creds{background:var(--navy);color:#fff;text-align:center;}
.creds .h2{color:#fff;max-width:none;}
.creds .eyebrow{color:var(--gold);}
.creds-grid{display:flex;flex-wrap:wrap;justify-content:center;gap:22px;margin-top:56px;}
.cred{
  flex:0 1 calc(25% - 17px);   /* 4-up; incomplete last row centers via justify-content */
  padding:30px 22px;border:1px solid rgba(255,255,255,.12);border-radius:16px;
  background:rgba(255,255,255,.03);transition:transform .35s var(--ease),border-color .35s var(--ease);
}
.cred:hover{transform:translateY(-6px);border-color:rgba(201,168,76,.5);}
.cred .lab{font-size:13px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:rgba(255,255,255,.55);}
.cred .val{margin-top:12px;font-weight:900;font-size:19px;letter-spacing:-.01em;color:var(--gold);}

/* ============================================================
   CTA
   ============================================================ */
/* full-width light CTA band (was a rounded floating card constrained by .wrap) */
.cta{
  padding:80px 0;
  background:var(--paper);
  color:var(--navy);
  text-align:center;
}
.cta .inner{background:none;border-radius:0;box-shadow:none;padding:0;margin:0 auto;}
.cta h2{font-weight:900;letter-spacing:-.03em;line-height:1.06;font-size:clamp(30px,4.4vw,52px);}
.cta p{margin-top:14px;font-size:16px;font-weight:600;letter-spacing:.05em;text-transform:uppercase;color:var(--ink-soft);}
.cta-btns{display:flex;flex-wrap:wrap;gap:14px;justify-content:center;margin-top:34px;}
.cta-btns .arrow{width:17px;height:17px;transition:transform .3s var(--ease);}
.cta-btns .btn:hover .arrow{transform:translateX(4px);}

/* ============================================================
   FOOTER
   ============================================================ */
.footer{background:var(--navy-deep);color:rgba(255,255,255,.7);padding:80px 0 40px;}
.f-top{display:grid;grid-template-columns:280px 1fr 1fr;gap:60px;padding-bottom:48px;border-bottom:1px solid rgba(255,255,255,.1);}
.f-brand .mark{font-weight:900;font-size:22px;color:#fff;letter-spacing:-.02em;}
.f-brand .est{font-size:10px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-top:4px;}
.f-brand p{margin-top:18px;font-size:14px;line-height:1.7;}
.f-social{display:flex;gap:18px;margin-top:18px;}
.f-social a{font-size:14px;font-weight:600;color:rgba(255,255,255,.8);transition:color .2s var(--ease);}
.f-social a:hover{color:var(--gold);}
.f-nav,.f-contact{display:flex;flex-direction:column;}
.footer h4{font-size:12px;font-weight:800;letter-spacing:.18em;text-transform:uppercase;color:#fff;margin-bottom:18px;}
.f-nav a{font-size:14.5px;padding:6px 0;transition:color .2s var(--ease);}
.f-nav a:hover{color:var(--gold);}
.f-contact div{font-size:14px;line-height:1.7;}
.f-contact a{color:rgba(255,255,255,.85);transition:color .2s var(--ease);}
.f-contact a:hover{color:var(--gold);}
.f-bottom{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;padding-top:28px;font-size:12.5px;color:rgba(255,255,255,.5);}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width:960px){
  .nav-center{display:none;}
  .nav-right .btn-gold{display:none;}
  .hamburger{display:flex;}
  .section{padding:60px 0;}
  .cards-3{grid-template-columns:1fr;gap:20px;}
  .split{grid-template-columns:1fr;gap:24px;}
  .anchor{position:static;}
  .creds-grid .cred{flex-basis:calc(50% - 11px);}
  .f-top{grid-template-columns:1fr 1fr;}
}
@media (max-width:640px){
  body{font-size:16px;}
  .wrap{padding:0 20px;}
  .trust .wrap{grid-template-columns:repeat(2,1fr);gap:36px 20px;padding-top:48px;padding-bottom:48px;}
  .trust .stat:nth-child(odd) + .stat::before{display:none;}
  .trust .num{font-size:42px;}
  .trust .stat:first-child .num{font-size:32px;}
  .chev-strip{height:auto;flex-direction:column;gap:8px;}
  .chev-panel,.chev-panel:first-child{height:120px;clip-path:polygon(0 0,100% 0,100% calc(100% - 28px),50% 100%,0 calc(100% - 28px));}
  .quote-card{padding:38px 26px;}
  .creds-grid .cred{flex-basis:100%;}
  .f-top{grid-template-columns:1fr;gap:32px;}
  .cta{padding:60px 0;}
}

@media (prefers-reduced-motion:reduce){
  .scroll-cue .dot{animation:none;}
  html{scroll-behavior:auto;}
}

/* ============================================================
   ============================================================
   SUBPAGE STYLES — banner + per-page section classes
   Shared components (nav / footer / carousel / quote-card /
   cta / creds / pills / area-wrap) are defined above; not repeated.
   ============================================================
   ============================================================ */

/* ---------- Page banner (shared by all 7 subpages) ---------- */
.banner{
  position:relative;
  min-height:58vh;
  display:flex;align-items:flex-end;
  padding:calc(var(--nav-h) + 90px) 0 66px;
  color:#fff;
  background-image:
    linear-gradient(180deg, rgba(18,32,58,.32) 0%, rgba(18,32,58,.5) 45%, rgba(18,32,58,.82) 100%),
    var(--banner-img);
  background-size:cover;background-position:center;
}
.banner-inner{max-width:760px;}
.banner .eyebrow{color:var(--gold);}
.banner h1{
  margin-top:16px;font-weight:900;letter-spacing:-.035em;line-height:1.02;
  font-size:clamp(40px,7vw,88px);color:#fff;
}
.b-sub{
  margin-top:20px;font-size:14px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;
  color:rgba(255,255,255,.75);
}

/* ---------- Prose block + license chips (real-estate / mortgage / commercial / about) ---------- */
.prose{margin-top:30px;}
.prose p{
  font-size:clamp(17px,1.4vw,19px);line-height:1.75;color:var(--ink-soft);
  margin-bottom:18px;max-width:70ch;
}
.lic-line{
  display:inline-block;margin:8px 14px 0 0;
  font-size:13px;font-weight:700;letter-spacing:.05em;color:var(--navy);
  background:rgba(27,43,75,.06);padding:7px 15px;border-radius:999px;
}

/* ---------- Icon grid (real-estate cols-2, mortgage/commercial cols-3) ---------- */
.icon-grid{display:grid;gap:16px;margin-top:48px;}
.icon-grid.cols-2{grid-template-columns:repeat(2,1fr);}
.icon-grid.cols-3{grid-template-columns:repeat(3,1fr);}
.ig-item{
  display:flex;align-items:center;gap:16px;padding:20px 22px;
  background:#fff;border:1px solid var(--gray-line);border-radius:14px;
  transition:transform .3s var(--ease), border-color .3s var(--ease), box-shadow .3s var(--ease);
}
.ig-item:hover{transform:translateY(-4px);border-color:rgba(201,168,76,.55);box-shadow:var(--shadow-card);}
.ig-ic{
  flex:none;width:48px;height:48px;padding:12px;border-radius:12px;
  display:flex;align-items:center;justify-content:center;
  background:linear-gradient(150deg,var(--navy),var(--navy-700));color:var(--gold-soft);
  transition:background .4s var(--ease);
}
.ig-item:hover .ig-ic{background:linear-gradient(150deg,var(--gold),var(--gold-dark));color:#fff;}
/* pages still using emoji icons (mortgage/commercial) keep the light plinth */
.ig-ic:not(:has(svg)){padding:0;font-size:22px;background:var(--paper);border:1px solid var(--gray-line);}
.ig-item:hover .ig-ic:not(:has(svg)){background:var(--paper);}
.ig-tx{font-weight:700;font-size:16px;color:var(--ink);}

/* ---------- Tool cards (mortgage) ---------- */
.tool-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:48px;}
.tool-card{
  display:flex;flex-direction:column;gap:12px;padding:32px 28px;
  background:#fff;border:1px solid var(--gray-line);border-radius:18px;box-shadow:var(--shadow-card);
  transition:transform .4s var(--ease), box-shadow .4s var(--ease);
}
.tool-card:hover{transform:translateY(-8px);box-shadow:var(--shadow-lift);}
.tool-card h3{font-weight:900;font-size:21px;letter-spacing:-.02em;color:var(--ink);}
.tool-card p{font-size:15px;color:var(--gray);flex:1;}
.tlink{display:inline-flex;align-items:center;gap:6px;font-weight:800;font-size:14px;color:var(--navy);transition:color .25s var(--ease);}
.tool-card:hover .tlink{color:var(--gold-dark);}

/* ---------- Stat cards (commercial "why" / reviews ratings) ---------- */
.stat-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:48px;}
.stat-card{
  text-align:center;padding:44px 26px;border-radius:18px;
  background:linear-gradient(150deg,var(--navy),var(--navy-deep));color:#fff;
  transition:transform .4s var(--ease), box-shadow .4s var(--ease);
}
.stat-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lift);}
.stat-card .big{display:block;font-weight:900;letter-spacing:-.03em;line-height:1;font-size:clamp(30px,3.6vw,46px);color:var(--gold);}
.stat-card .small{margin-top:14px;font-size:14px;line-height:1.5;color:rgba(255,255,255,.72);}

/* ---------- Business cards (about) ---------- */
.biz-cards{display:grid;grid-template-columns:repeat(2,1fr);gap:26px;margin-top:48px;}
.biz-card{
  padding:38px 34px;background:#fff;border:1px solid var(--gray-line);border-radius:20px;box-shadow:var(--shadow-card);
  transition:transform .4s var(--ease), box-shadow .4s var(--ease);
}
.biz-card:hover{transform:translateY(-8px);box-shadow:var(--shadow-lift);}
.biz-eyebrow{font-size:12px;font-weight:800;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-dark);}
.biz-card h3{margin-top:12px;font-weight:900;font-size:26px;letter-spacing:-.02em;color:var(--ink);}
.biz-desc{margin-top:8px;font-size:16px;color:var(--gray);}
.biz-lic{
  margin-top:22px;padding-top:20px;border-top:1px solid var(--gray-line);
  display:flex;flex-direction:column;gap:6px;font-size:13px;font-weight:600;color:var(--navy);
}

/* ---------- Two-column licensing (area) ---------- */
.pill-big{padding:14px 26px;font-size:16px;}
.two-col{display:grid;grid-template-columns:repeat(2,1fr);gap:26px;margin-top:44px;}
.lic-col{padding:34px 32px;background:var(--paper);border:1px solid var(--gray-line);border-radius:18px;}
.lic-col h3{font-weight:900;font-size:22px;letter-spacing:-.02em;color:var(--navy);margin-bottom:16px;}
.lic-col ul{margin:0;padding:0;list-style:none;display:flex;flex-direction:column;gap:12px;}
.lic-col li{position:relative;padding-left:26px;font-size:15.5px;font-weight:600;color:var(--ink-soft);}
.lic-col li::before{content:"";position:absolute;left:0;top:8px;width:8px;height:8px;border-radius:2px;background:var(--gold);transform:rotate(45deg);}

/* ---------- Reviews grid (reviews) ---------- */
.reviews-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;margin-top:48px;}
.review-card{
  padding:32px 30px;background:#fff;border:1px solid var(--gray-line);border-radius:18px;box-shadow:var(--shadow-card);
  transition:transform .35s var(--ease), box-shadow .35s var(--ease);
}
.review-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lift);}
.rtext{margin-top:12px;font-weight:600;font-size:18px;line-height:1.5;color:var(--ink);}
.rauthor{margin-top:16px;font-size:13px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gray);}

/* ---------- Contact page ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:56px;align-items:start;}
.info-list{display:flex;flex-direction:column;}
.info-row{display:flex;align-items:flex-start;gap:16px;padding:16px 0;border-top:1px solid var(--gray-line);}
.info-row:first-child{border-top:0;}
.i-ic{
  flex:none;width:44px;height:44px;display:flex;align-items:center;justify-content:center;
  font-size:19px;background:var(--paper);border:1px solid var(--gray-line);border-radius:12px;
}
.i-tx{font-size:15.5px;line-height:1.55;color:var(--ink-soft);padding-top:2px;}
.i-lab{display:block;font-size:11px;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:var(--gray);margin-bottom:4px;}
.i-tx a{color:var(--navy);font-weight:700;}
.i-tx a:hover{color:var(--gold-dark);}
.social-row{display:flex;gap:14px;margin-top:26px;}
.social-row a{
  font-size:14px;font-weight:700;color:var(--navy);padding:9px 20px;
  border:1px solid var(--gray-line);border-radius:999px;transition:all .25s var(--ease);
}
.social-row a:hover{border-color:var(--navy);background:var(--navy);color:#fff;}

/* Contact form — navy border inputs, gold focus ring, gold full-width submit */
.form{
  background:#fff;border:1px solid var(--gray-line);border-radius:22px;
  padding:38px 34px;box-shadow:var(--shadow-card);
  display:flex;flex-direction:column;gap:18px;
}
.field{display:flex;flex-direction:column;gap:8px;}
.field label{font-size:13px;font-weight:700;letter-spacing:.04em;color:var(--ink);}
.field .req{color:var(--gold-dark);}
.form input,.form select,.form textarea{
  width:100%;font-family:inherit;font-size:15px;color:var(--ink);
  padding:13px 16px;border:1.5px solid var(--navy);border-radius:11px;background:#fff;
  transition:box-shadow .2s var(--ease), border-color .2s var(--ease);
}
.form input::placeholder,.form textarea::placeholder{color:var(--gray);}
.form input:focus,.form select:focus,.form textarea:focus{
  outline:none;border-color:var(--gold);
  box-shadow:0 0 0 3px rgba(201,168,76,.35);
}
.form textarea{resize:vertical;min-height:112px;}
.form select{
  appearance:none;-webkit-appearance:none;padding-right:44px;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231B2B4B' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 14px center;background-size:18px;
}
.form .btn-gold{width:100%;margin-top:8px;padding:16px;}

/* ---------- Subpage responsive ---------- */
@media (max-width:960px){
  .icon-grid.cols-2,.icon-grid.cols-3{grid-template-columns:repeat(2,1fr);}
  .tool-cards,.stat-cards{grid-template-columns:1fr;}
  .biz-cards,.two-col,.reviews-grid{grid-template-columns:1fr;}
  .contact-grid{grid-template-columns:1fr;gap:38px;}
}
@media (max-width:640px){
  .banner{min-height:46vh;padding-top:calc(var(--nav-h) + 60px);}
  .icon-grid.cols-2,.icon-grid.cols-3{grid-template-columns:1fr;}
  .form{padding:28px 22px;}
}

/* ============================================================
   BATCH 2 — mid/low priority refinements (win by source order)
   Selector adaptations to real markup:
     .dots .dot-btn      ← spec's ".carousel-dots button"
     .footer h4          ← spec's "footer h3"
   (.f-top grid, .quote-card base, --nav-h edited in place above
    to preserve the mobile media-query overrides.)
   ============================================================ */

/* Service card — solid navy icon plinth, gold glyph, unified gold badge */
#services .card .ic{background:rgb(27,43,75);border-radius:14px;width:56px;height:56px;padding:14px;margin-bottom:20px;}
#services .card .ic svg{color:rgb(201,168,76);}
#services .card .badge{
  display:inline-block;padding:4px 10px;border-radius:999px;
  font-size:11px;font-weight:700;letter-spacing:1px;
  background:rgba(201,168,76,.12);color:rgb(160,125,40);border:1px solid rgba(201,168,76,.3);
}

/* Testimonials — warm ground, elevated card, quotation glyph, italic quote */
#testimonials{background:rgb(249,247,244);}
.quote-card::before{
  content:"\201C";font-size:120px;line-height:.8;color:rgba(201,168,76,.2);
  font-weight:900;position:absolute;top:20px;left:36px;
}
.quote-card .quote{font-size:24px;font-weight:600;line-height:1.55;color:rgb(27,43,75);font-style:italic;}
.dots .dot-btn{width:8px;height:8px;border-radius:50%;background:rgba(27,43,75,.2);transition:all .3s ease;}
.dots .dot-btn.active{width:28px;border-radius:4px;background:rgb(27,43,75);}

/* Identity — chevron brightness interplay + statement contrast */
.chev-strip{overflow:hidden;}
.chev-panel{overflow:hidden;margin-right:-2px;position:relative;transition:filter .3s ease;}
.chev-panel:hover{filter:brightness(1.1);z-index:1;transform:none;}
.chev-strip:hover .chev-panel:not(:hover){filter:brightness(.85);}
.identity .stmt .g{color:rgba(17,19,24,.22);}
.identity .body p:nth-child(n+3){opacity:.45;color:rgb(17,19,24);}

/* Nav brand + footer heading typography */
nav .brand .mark{font-size:22px;letter-spacing:0;}
nav .brand .est{font-size:11px;letter-spacing:2.4px;color:rgba(27,43,75,.55);}
.footer h4{
  font-size:11px;font-weight:800;letter-spacing:2.5px;text-transform:uppercase;
  color:rgb(201,168,76);margin-bottom:20px;
}