/*
Theme Name: Krishna Home Loans
Theme URI: https://krishnahomeloans.com
Author: Krishna Home Loans
Author URI: https://krishnahomeloans.com
Description: Professional mortgage website for Krishna Home Loans, powered by Ensure Home Loans
Version: 1.0.0
License: GNU General Public License v2 or later
License URI: http://www.gnu.org/licenses/gpl-2.0.html
Text Domain: krishnahomeloans
Tags: mortgage, home-loans, real-estate, responsive
*/

/* ============================================================
   KRISHNA HOME LOANS - THEME STYLES
   Based on Ensure Home Loans branding
   ============================================================ */

:root {
  --blue: #1a3c6e;
  --blue-dark: #0f2547;
  --blue-light: #2a5298;
  --gold: #c8972a;
  --gold-light: #e8b84b;
  --white: #ffffff;
  --off-white: #f7f8fc;
  --gray-light: #eef0f5;
  --gray: #6b7280;
  --gray-dark: #374151;
  --text: #1f2937;
  --border: #e5e7eb;
  --shadow: 0 4px 24px rgba(26,60,110,0.08);
  --shadow-lg: 0 12px 40px rgba(26,60,110,0.14);
  --radius: 12px;
  --radius-sm: 6px;
  --font-head: 'Playfair Display', Georgia, serif;
  --font-body: 'Inter', 'Segoe UI', sans-serif;
  --transition: all 0.25s ease;
}

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

html { scroll-behavior: smooth; }

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

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

.container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
}

.section-pad { padding: 80px 0; }
.section-pad-sm { padding: 50px 0; }

/* ---- TYPOGRAPHY ---- */
h1,h2,h3,h4 { font-family: var(--font-head); line-height: 1.25; color: var(--blue-dark); }
h1 { font-size: clamp(2.2rem, 5vw, 3.4rem); }
h2 { font-size: clamp(1.7rem, 3.5vw, 2.5rem); }
h3 { font-size: 1.25rem; }
p { margin-bottom: 1rem; }

.eyebrow {
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
  display: block;
}

/* ---- BUTTONS ---- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.95rem;
  font-weight: 600;
  cursor: pointer;
  border: 2px solid transparent;
  transition: var(--transition);
  white-space: nowrap;
  text-decoration: none;
}
.btn-primary {
  background: var(--gold);
  color: var(--white);
  border-color: var(--gold);
}
.btn-primary:hover {
  background: var(--gold-light);
  border-color: var(--gold-light);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(200,151,42,0.35);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.6);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.1);
  border-color: var(--white);
}
.btn-blue {
  background: var(--blue);
  color: var(--white);
  border-color: var(--blue);
}
.btn-blue:hover {
  background: var(--blue-dark);
  border-color: var(--blue-dark);
}
.btn-whatsapp {
  background: #25D366;
  color: var(--white);
  border-color: #25D366;
}
.btn-whatsapp:hover {
  background: #1ebe5d;
  border-color: #1ebe5d;
  transform: translateY(-1px);
}

/* ============================================================
   HEADER
   ============================================================ */
#site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  box-shadow: 0 2px 12px rgba(26,60,110,0.07);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  gap: 24px;
}

.site-logo { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }
.site-logo img { height: 44px; width: auto; }
.logo-text { display: flex; flex-direction: column; line-height: 1.2; }
.logo-text strong { font-family: var(--font-head); font-size: 1.15rem; color: var(--blue-dark); }
.logo-text span { font-size: 0.72rem; color: var(--gray); letter-spacing: 0.04em; }

/* Nav */
.main-nav { display: flex; align-items: center; gap: 4px; }
.main-nav a, .main-nav .has-dropdown > span {
  padding: 8px 14px;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--gray-dark);
  border-radius: var(--radius-sm);
  transition: var(--transition);
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 4px;
}
.main-nav a:hover, .main-nav .has-dropdown:hover > span {
  background: var(--gray-light);
  color: var(--blue);
}
.main-nav a.active { color: var(--blue); font-weight: 600; }

/* Dropdown */
.has-dropdown { position: relative; }
.dropdown-menu {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  min-width: 220px;
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: var(--transition);
  z-index: 100;
}
.has-dropdown:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown-menu a {
  display: block;
  padding: 9px 14px;
  font-size: 0.88rem;
  border-radius: var(--radius-sm);
  color: var(--gray-dark);
}
.dropdown-menu a:hover { background: var(--gray-light); color: var(--blue); }
.dropdown-menu .dropdown-label {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gray);
  padding: 8px 14px 4px;
}
.chevron { font-size: 0.7rem; transition: var(--transition); }
.has-dropdown:hover .chevron { transform: rotate(180deg); }

/* Header CTA */
.header-cta { display: flex; align-items: center; gap: 8px; flex-shrink: 0; }
.header-cta .btn { padding: 10px 20px; font-size: 0.875rem; }

/* Mobile hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 6px;
  border: none;
  background: none;
}
.hamburger span { display: block; width: 24px; height: 2px; background: var(--blue-dark); border-radius: 2px; transition: var(--transition); }

/* ============================================================
   HERO
   ============================================================ */
.hero {
  background: linear-gradient(135deg, var(--blue-dark) 0%, var(--blue) 60%, var(--blue-light) 100%);
  color: var(--white);
  padding: 90px 0 80px;
  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::after {
  content: '';
  position: absolute;
  bottom: -60px; right: -60px;
  width: 400px; height: 400px;
  border-radius: 50%;
  background: rgba(200,151,42,0.08);
}
.hero-inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 400px;
  gap: 60px;
  align-items: center;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 40px;
  padding: 6px 16px;
  font-size: 0.82rem;
  font-weight: 500;
  margin-bottom: 20px;
  backdrop-filter: blur(10px);
}
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero h1 span { color: var(--gold-light); }
.hero-sub { font-size: 1.05rem; color: rgba(255,255,255,0.82); margin-bottom: 30px; max-width: 500px; }
.hero-checks { display: flex; flex-direction: column; gap: 8px; margin-bottom: 34px; }
.hero-checks li { display: flex; align-items: center; gap: 10px; font-size: 0.92rem; color: rgba(255,255,255,0.88); }
.hero-checks li::before { content: '✓'; color: var(--gold-light); font-weight: 700; font-size: 1rem; }
.hero-btns { display: flex; flex-wrap: wrap; gap: 12px; }
.hero-nmls { margin-top: 18px; font-size: 0.78rem; color: rgba(255,255,255,0.5); }

/* Officer card */
.officer-card {
  background: var(--white);
  border-radius: 20px;
  padding: 36px 28px;
  box-shadow: 0 20px 60px rgba(0,0,0,0.2);
  text-align: center;
  position: relative;
}
.officer-avatar {
  width: 100px; height: 100px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--blue), var(--gold));
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 16px;
  font-size: 2.2rem;
  font-family: var(--font-head);
  color: var(--white);
  font-weight: 700;
}
.officer-card h3 { color: var(--blue-dark); font-size: 1.3rem; margin-bottom: 4px; }
.officer-title { font-size: 0.85rem; color: var(--gray); margin-bottom: 6px; }
.officer-company {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--off-white); border-radius: 30px;
  padding: 5px 14px; font-size: 0.8rem; color: var(--blue);
  font-weight: 600; margin-bottom: 20px;
}
.officer-nmls { font-size: 0.78rem; color: var(--gray); margin-bottom: 20px; }
.officer-contact { display: flex; flex-direction: column; gap: 10px; }
.officer-contact a {
  display: flex; align-items: center; justify-content: center; gap: 8px;
  padding: 11px 20px; border-radius: var(--radius-sm);
  font-size: 0.88rem; font-weight: 600; transition: var(--transition);
}
.officer-contact .call-btn { background: var(--blue); color: var(--white); }
.officer-contact .call-btn:hover { background: var(--blue-dark); }
.officer-contact .wa-btn { background: #25D366; color: var(--white); }
.officer-contact .wa-btn:hover { background: #1ebe5d; }
.officer-contact .apply-btn { background: var(--gold); color: var(--white); }
.officer-contact .apply-btn:hover { background: var(--gold-light); }

/* ============================================================
   CALCULATOR SECTION
   ============================================================ */
.calc-section { background: var(--off-white); }
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.calc-box {
  background: var(--white);
  border-radius: 20px;
  padding: 36px;
  box-shadow: var(--shadow);
}
.calc-box h3 { margin-bottom: 24px; color: var(--blue-dark); }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-size: 0.87rem; font-weight: 600; color: var(--gray-dark); margin-bottom: 6px; }
.form-group input, .form-group select {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  font-family: var(--font-body);
  color: var(--text);
  transition: var(--transition);
  background: var(--white);
}
.form-group input:focus, .form-group select:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(26,60,110,0.08);
}
.calc-result {
  background: linear-gradient(135deg, var(--blue-dark), var(--blue));
  border-radius: 16px;
  padding: 28px;
  color: var(--white);
  text-align: center;
  margin-top: 24px;
}
.calc-result .result-label { font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.1em; opacity: 0.7; margin-bottom: 6px; }
.calc-result .result-amount { font-family: var(--font-head); font-size: 2.8rem; font-weight: 700; color: var(--gold-light); line-height: 1; }
.calc-result .result-sub { font-size: 0.82rem; opacity: 0.65; margin-top: 8px; }

/* Why Us */
.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 48px; }
.why-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 32px 24px;
  border: 1px solid var(--border);
  transition: var(--transition);
}
.why-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); border-color: transparent; }
.why-icon {
  width: 52px; height: 52px;
  background: linear-gradient(135deg, var(--blue), var(--blue-light));
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem; margin-bottom: 16px;
}
.why-card h3 { margin-bottom: 8px; font-size: 1.1rem; }
.why-card p { font-size: 0.9rem; color: var(--gray); margin: 0; }

/* ============================================================
   LOAN PROGRAMS
   ============================================================ */
.programs-section { background: var(--white); }
.programs-section h2 { text-align: center; margin-bottom: 14px; }
.programs-section .section-sub { text-align: center; color: var(--gray); max-width: 560px; margin: 0 auto 48px; }
.programs-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.program-card {
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 22px;
  transition: var(--transition);
  cursor: pointer;
  position: relative;
  overflow: hidden;
}
.program-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--blue), var(--gold));
  opacity: 0;
  transition: var(--transition);
}
.program-card:hover { border-color: var(--blue); box-shadow: var(--shadow); }
.program-card:hover::before { opacity: 1; }
.program-badge {
  display: inline-block;
  background: var(--gray-light);
  color: var(--blue);
  font-size: 0.75rem;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 20px;
  margin-bottom: 12px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.program-card h3 { margin-bottom: 10px; font-size: 1.1rem; }
.program-card p { font-size: 0.88rem; color: var(--gray); margin-bottom: 16px; }
.program-details { display: flex; gap: 16px; }
.program-stat { text-align: center; }
.program-stat .stat-val { font-size: 1rem; font-weight: 700; color: var(--blue); display: block; }
.program-stat .stat-key { font-size: 0.72rem; color: var(--gray); }
.program-link { display: flex; align-items: center; gap: 4px; color: var(--gold); font-size: 0.85rem; font-weight: 600; margin-top: 14px; transition: var(--transition); }
.program-card:hover .program-link { gap: 8px; }

/* Programs CTA */
.programs-cta { text-align: center; margin-top: 36px; }

/* ============================================================
   STEPS
   ============================================================ */
.steps-section { background: var(--off-white); }
.steps-section h2 { text-align: center; margin-bottom: 48px; }
.steps-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; }
.step-item { text-align: center; position: relative; }
.step-item:not(:last-child)::after {
  content: '';
  position: absolute;
  top: 28px; left: calc(50% + 28px);
  width: calc(100% - 56px); height: 2px;
  background: linear-gradient(90deg, var(--blue), var(--gold));
  opacity: 0.3;
}
.step-num {
  width: 56px; height: 56px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--blue), var(--blue-light));
  color: var(--white);
  font-family: var(--font-head);
  font-size: 1.3rem;
  font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 16px;
  position: relative; z-index: 1;
}
.step-item h3 { font-size: 1rem; margin-bottom: 6px; }
.step-item p { font-size: 0.83rem; color: var(--gray); margin: 0; }

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials-section { background: var(--white); }
.testimonials-section h2 { text-align: center; margin-bottom: 8px; }
.testimonials-section .section-sub { text-align: center; color: var(--gray); margin-bottom: 48px; }
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.testimonial-card {
  background: var(--off-white);
  border-radius: var(--radius);
  padding: 28px;
  border: 1px solid var(--border);
}
.stars { color: var(--gold); font-size: 1rem; margin-bottom: 14px; letter-spacing: 2px; }
.testimonial-card blockquote { font-size: 0.93rem; color: var(--gray-dark); line-height: 1.7; margin-bottom: 18px; font-style: italic; }
.testimonial-card blockquote::before { content: '"'; font-family: var(--font-head); font-size: 2rem; color: var(--gold); line-height: 0; vertical-align: -0.5rem; margin-right: 2px; }
.testimonial-author strong { font-size: 0.88rem; color: var(--blue-dark); display: block; }
.testimonial-author span { font-size: 0.8rem; color: var(--gray); }

/* ============================================================
   CTA BANNER
   ============================================================ */
.cta-banner {
  background: linear-gradient(135deg, var(--blue-dark), var(--blue));
  color: var(--white);
  padding: 70px 0;
  text-align: center;
}
.cta-banner h2 { color: var(--white); margin-bottom: 14px; }
.cta-banner p { color: rgba(255,255,255,0.78); max-width: 520px; margin: 0 auto 30px; }
.cta-banner .btn-group { display: flex; justify-content: center; gap: 12px; flex-wrap: wrap; }

/* ============================================================
   ABOUT PAGE
   ============================================================ */
.about-hero {
  background: linear-gradient(135deg, var(--blue-dark), var(--blue));
  color: var(--white);
  padding: 70px 0;
  text-align: center;
}
.about-hero h1 { color: var(--white); margin-bottom: 16px; }
.about-hero p { color: rgba(255,255,255,0.82); max-width: 600px; margin: 0 auto; }

.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.about-photo {
  border-radius: 20px;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  background: linear-gradient(135deg, var(--blue), var(--gold));
  aspect-ratio: 4/5;
  display: flex; align-items: center; justify-content: center;
  font-size: 6rem;
}
.about-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 30px; }
.about-stat-card {
  background: var(--off-white);
  border-radius: var(--radius-sm);
  padding: 20px;
  text-align: center;
  border: 1px solid var(--border);
}
.about-stat-card .stat-num { font-family: var(--font-head); font-size: 2rem; font-weight: 700; color: var(--blue); display: block; }
.about-stat-card .stat-label { font-size: 0.82rem; color: var(--gray); }

/* ============================================================
   CONTACT PAGE
   ============================================================ */
.contact-hero {
  background: linear-gradient(135deg, var(--blue-dark), var(--blue));
  color: var(--white);
  padding: 60px 0;
  text-align: center;
}
.contact-hero h1 { color: var(--white); margin-bottom: 12px; }
.contact-hero p { color: rgba(255,255,255,0.8); }

.contact-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 48px; }
.contact-info-box {
  background: var(--blue-dark);
  border-radius: 20px;
  padding: 36px;
  color: var(--white);
}
.contact-info-box h3 { color: var(--white); margin-bottom: 24px; }
.contact-method { display: flex; align-items: flex-start; gap: 14px; margin-bottom: 24px; }
.contact-icon {
  width: 44px; height: 44px; border-radius: var(--radius-sm);
  background: rgba(255,255,255,0.1);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; flex-shrink: 0;
}
.contact-method strong { font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.08em; opacity: 0.6; display: block; margin-bottom: 2px; }
.contact-method a { color: var(--white); font-size: 0.95rem; font-weight: 500; }
.contact-method a:hover { color: var(--gold-light); }

.contact-form-box {
  background: var(--white);
  border-radius: 20px;
  padding: 36px;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
}
.contact-form-box h3 { margin-bottom: 24px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.contact-form-box .form-group input,
.contact-form-box .form-group select,
.contact-form-box .form-group textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 0.93rem;
  font-family: var(--font-body);
  color: var(--text);
  transition: var(--transition);
  background: var(--white);
}
.contact-form-box .form-group input:focus,
.contact-form-box .form-group select:focus,
.contact-form-box .form-group textarea:focus {
  outline: none; border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(26,60,110,0.08);
}
.contact-form-box .form-group textarea { resize: vertical; min-height: 100px; }
.contact-form-box .form-group label { display: block; font-size: 0.85rem; font-weight: 600; color: var(--gray-dark); margin-bottom: 6px; }
.form-submit { margin-top: 6px; }
.form-submit .btn { width: 100%; justify-content: center; }
.form-consent { font-size: 0.78rem; color: var(--gray); margin-top: 12px; }

/* ============================================================
   RESOURCES PAGE
   ============================================================ */
.resources-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.resource-card {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 24px;
  transition: var(--transition);
}
.resource-card:hover { box-shadow: var(--shadow); border-color: var(--blue); transform: translateY(-2px); }
.resource-icon { font-size: 2rem; margin-bottom: 14px; }
.resource-card h3 { margin-bottom: 8px; font-size: 1.05rem; }
.resource-card p { font-size: 0.88rem; color: var(--gray); margin-bottom: 16px; }
.resource-link { color: var(--gold); font-size: 0.85rem; font-weight: 600; display: flex; align-items: center; gap: 4px; transition: var(--transition); }
.resource-card:hover .resource-link { gap: 8px; }

/* ============================================================
   FOOTER
   ============================================================ */
#site-footer { background: var(--blue-dark); color: rgba(255,255,255,0.75); }
.footer-top {
  padding: 60px 0 40px;
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
}
.footer-brand .logo-text strong { color: var(--white); }
.footer-brand .logo-text span { color: rgba(255,255,255,0.5); }
.footer-brand p { font-size: 0.88rem; margin: 16px 0; line-height: 1.65; }
.footer-nmls { font-size: 0.78rem; color: rgba(255,255,255,0.4); }
.footer-col h4 { font-family: var(--font-body); font-size: 0.78rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(255,255,255,0.4); margin-bottom: 14px; }
.footer-col a { display: block; font-size: 0.88rem; color: rgba(255,255,255,0.65); padding: 3px 0; transition: var(--transition); }
.footer-col a:hover { color: var(--gold-light); }
.footer-social { display: flex; gap: 10px; margin-top: 16px; }
.footer-social a {
  width: 34px; height: 34px;
  border-radius: var(--radius-sm);
  background: rgba(255,255,255,0.08);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.9rem; transition: var(--transition);
}
.footer-social a:hover { background: var(--gold); color: var(--white); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 20px 0;
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 16px;
  font-size: 0.8rem;
  flex-wrap: wrap;
}
.footer-legal a { color: rgba(255,255,255,0.5); margin-left: 16px; transition: var(--transition); }
.footer-legal a:hover { color: var(--gold-light); }
.footer-disclosure { font-size: 0.75rem; color: rgba(255,255,255,0.35); line-height: 1.6; margin-top: 12px; border-top: 1px solid rgba(255,255,255,0.06); padding-top: 16px; }

/* ============================================================
   FLOATING WHATSAPP
   ============================================================ */
.float-whatsapp {
  position: fixed;
  bottom: 24px; right: 24px;
  z-index: 999;
  width: 56px; height: 56px;
  border-radius: 50%;
  background: #25D366;
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem;
  box-shadow: 0 4px 20px rgba(37,211,102,0.4);
  transition: var(--transition);
  animation: pulse-wa 2.5s infinite;
}
.float-whatsapp:hover { background: #1ebe5d; transform: scale(1.1); }
@keyframes pulse-wa {
  0%,100% { box-shadow: 0 4px 20px rgba(37,211,102,0.4); }
  50% { box-shadow: 0 4px 32px rgba(37,211,102,0.7); }
}

/* ============================================================
   MOBILE NAV OVERLAY
   ============================================================ */
.mobile-nav-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.5);
  z-index: 998;
}
.mobile-nav {
  position: fixed;
  top: 0; right: -100%;
  width: 300px; height: 100vh;
  background: var(--white);
  z-index: 999;
  padding: 80px 24px 24px;
  transition: right 0.3s ease;
  overflow-y: auto;
  box-shadow: -4px 0 20px rgba(0,0,0,0.1);
}
.mobile-nav.open { right: 0; }
.mobile-nav-overlay.open { display: block; }
.mobile-nav a, .mobile-nav .mobile-section-title {
  display: block;
  padding: 12px 0;
  font-size: 1rem;
  color: var(--gray-dark);
  border-bottom: 1px solid var(--border);
  font-weight: 500;
}
.mobile-section-title { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--gray); font-weight: 700; margin-top: 16px; border: none; padding-bottom: 4px; }
.mobile-nav .mobile-sub a { padding: 8px 16px; font-size: 0.9rem; color: var(--gray); border-bottom: none; }
.mobile-nav .btn { width: 100%; justify-content: center; margin-top: 8px; }
.mobile-close {
  position: absolute; top: 20px; right: 20px;
  width: 36px; height: 36px; border-radius: 50%;
  background: var(--gray-light); border: none; cursor: pointer;
  display: flex; align-items: center; justify-content: center; font-size: 1rem;
}

/* ============================================================
   PAGE HERO (inner pages)
   ============================================================ */
.page-hero {
  background: linear-gradient(135deg, var(--blue-dark), var(--blue));
  color: var(--white);
  padding: 60px 0;
  text-align: center;
}
.page-hero h1 { color: var(--white); margin-bottom: 12px; }
.page-hero p { color: rgba(255,255,255,0.8); max-width: 600px; margin: 0 auto; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; }
  .officer-card { max-width: 400px; }
  .programs-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-top { grid-template-columns: 1fr 1fr; gap: 32px; }
  .steps-grid { grid-template-columns: repeat(3, 1fr); }
  .step-item:nth-child(3)::after { display: none; }
}

@media (max-width: 768px) {
  .main-nav, .header-cta { display: none; }
  .hamburger { display: flex; }
  .hero { padding: 60px 0; }
  .section-pad { padding: 50px 0; }
  .calc-grid, .about-grid, .contact-grid { grid-template-columns: 1fr; }
  .programs-grid, .why-grid, .testimonials-grid, .resources-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr 1fr; }
  .step-item::after { display: none; }
  .footer-top { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; gap: 8px; }
}

@media (max-width: 480px) {
  .hero-btns { flex-direction: column; }
  .hero-btns .btn { width: 100%; justify-content: center; }
  .steps-grid { grid-template-columns: 1fr; }
}

/* ============================================================
   UTILITY
   ============================================================ */
.text-center { text-align: center; }
.mt-4 { margin-top: 16px; }
.mt-6 { margin-top: 24px; }
.mb-4 { margin-bottom: 16px; }
.hidden { display: none; }
.eq-housing { display: inline-flex; align-items: center; gap: 6px; font-size: 0.78rem; color: rgba(255,255,255,0.5); margin-top: 8px; }