/*
Theme Name: Funding Bridge Solutions
Theme URI: https://fundingbridgesolutions.com
Author: Funding Bridge Solutions
Author URI: https://fundingbridgesolutions.com
Description: A high-converting real estate lending connector theme built for Funding Bridge Solutions.
Version: 1.0
License: GNU General Public License v2 or later
Text Domain: fundingbridge
*/

/* =============================================
   GOOGLE FONTS
============================================= */
@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@700;900&family=Sora:wght@300;400;500;600;700&display=swap');

/* =============================================
   CSS VARIABLES
============================================= */
:root {
  --navy:        #0A1628;
  --navy-mid:    #112240;
  --gold:        #C8951A;
  --gold-bright: #E8A820;
  --gold-light:  #FDF3DC;
  --cream:       #F7F4EE;
  --white:       #FFFFFF;
  --border:      #E2E8F0;
  --text-dark:   #0A1628;
  --text-body:   #374151;
  --text-muted:  #6B7280;
  --green:       #0D6A4A;
  --green-bg:    #E8F5F0;
  --radius:      12px;
  --shadow-sm:   0 2px 8px rgba(10,22,40,0.06);
  --shadow-md:   0 8px 32px rgba(10,22,40,0.10);
  --shadow-lg:   0 20px 60px rgba(10,22,40,0.14);
}

/* =============================================
   RESET & BASE
============================================= */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Sora', sans-serif;
  color: var(--text-body);
  background: var(--white);
  overflow-x: hidden;
  line-height: 1.6;
}
img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; }
ul, ol { list-style: none; }
button { font-family: 'Sora', sans-serif; cursor: pointer; border: none; background: none; }

/* =============================================
   TYPOGRAPHY
============================================= */
h1, h2, h3, h4 {
  font-family: 'Playfair Display', serif;
  color: var(--navy);
  line-height: 1.12;
  letter-spacing: -0.02em;
}
h1 { font-size: clamp(36px, 5vw, 62px); font-weight: 900; }
h2 { font-size: clamp(28px, 4vw, 44px); font-weight: 700; margin-bottom: 14px; }
h3 { font-size: clamp(18px, 2.5vw, 22px); font-weight: 700; margin-bottom: 10px; }
h4 { font-size: 16px; font-weight: 700; }
p  { font-size: 15px; line-height: 1.72; color: var(--text-body); }

/* =============================================
   UTILITY CLASSES
============================================= */
.container        { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section-pad      { padding: 96px 0; }
.section-pad-sm   { padding: 56px 0; }
.text-center      { text-align: center; }
.text-white       { color: var(--white) !important; }
.text-muted       { color: var(--text-muted); }
.bg-navy          { background: var(--navy); }
.bg-cream         { background: var(--cream); }
.bg-white         { background: var(--white); }
.bg-gold-light    { background: var(--gold-light); }

.section-eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-size: 12px; font-weight: 600; letter-spacing: 0.10em;
  text-transform: uppercase; color: var(--gold); margin-bottom: 14px;
}
.section-eyebrow::before {
  content: ''; display: block; width: 26px; height: 2px; background: var(--gold); flex-shrink: 0;
}
.section-sub {
  font-size: 17px; color: var(--text-muted); line-height: 1.72;
  max-width: 560px; font-weight: 300; margin-bottom: 52px;
}
.section-sub.centered { margin-left: auto; margin-right: auto; }

/* =============================================
   BUTTONS
============================================= */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: 'Sora', sans-serif; font-weight: 600;
  border-radius: 8px; transition: all 0.2s ease;
  letter-spacing: 0.01em; cursor: pointer; border: none;
  font-size: 15px; padding: 15px 30px; text-decoration: none;
}
.btn-gold {
  background: var(--gold); color: var(--navy);
  box-shadow: 0 4px 20px rgba(200,149,26,0.38);
}
.btn-gold:hover {
  background: var(--gold-bright); transform: translateY(-2px);
  box-shadow: 0 8px 32px rgba(200,149,26,0.48);
}
.btn-navy {
  background: var(--navy); color: var(--white);
  box-shadow: var(--shadow-md);
}
.btn-navy:hover { background: var(--navy-mid); transform: translateY(-2px); }
.btn-ghost-white {
  background: transparent; color: rgba(255,255,255,0.75);
  border: 1.5px solid rgba(255,255,255,0.3); padding: 14px 28px;
}
.btn-ghost-white:hover { border-color: var(--gold); color: var(--gold); }
.btn-lg  { padding: 18px 36px; font-size: 16px; }
.btn-full { width: 100%; justify-content: center; }

/* =============================================
   STICKY NAV
============================================= */
#site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  height: 70px; background: rgba(10,22,40,0.97);
  backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(200,149,26,0.18);
  transition: box-shadow 0.3s;
}
#site-header.scrolled { box-shadow: 0 4px 24px rgba(0,0,0,0.3); }
.header-inner {
  max-width: 1200px; margin: 0 auto; padding: 0 24px;
  height: 70px; display: flex; align-items: center; justify-content: space-between;
}
.site-logo { display: flex; align-items: center; gap: 11px; text-decoration: none; }
.logo-mark {
  width: 40px; height: 40px; background: var(--gold); border-radius: 9px;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif; font-size: 20px; font-weight: 900; color: var(--navy);
  flex-shrink: 0;
}
.logo-text  { font-size: 15px; font-weight: 600; color: #fff; line-height: 1.2; }
.logo-sub   { font-size: 10px; color: rgba(255,255,255,0.38); font-weight: 300; letter-spacing: 0.1em; text-transform: uppercase; }

/* Nav menu */
.nav-menu { display: flex; align-items: center; gap: 28px; }
.nav-menu a {
  font-size: 14px; font-weight: 400; color: rgba(255,255,255,0.65);
  text-decoration: none; transition: color 0.2s; letter-spacing: 0.01em;
}
.nav-menu a:hover { color: var(--gold); }
.nav-phone { color: rgba(200,149,26,0.9) !important; font-weight: 500 !important; }
.nav-cta-btn {
  background: var(--gold); color: var(--navy) !important;
  font-weight: 600 !important; padding: 10px 22px; border-radius: 7px;
  font-size: 13px !important; transition: background 0.2s, transform 0.15s !important;
  box-shadow: 0 2px 12px rgba(200,149,26,0.3);
}
.nav-cta-btn:hover { background: var(--gold-bright) !important; transform: translateY(-1px); }

/* Hamburger */
.nav-toggle {
  display: none; flex-direction: column; gap: 5px;
  width: 28px; cursor: pointer; background: none; border: none; padding: 0;
}
.nav-toggle span {
  display: block; height: 2px; background: rgba(255,255,255,0.8);
  border-radius: 2px; transition: all 0.3s;
}
.nav-toggle.open span:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }

/* Mobile nav */
@media (max-width: 900px) {
  .nav-toggle { display: flex; }
  .nav-menu {
    display: none; position: fixed; top: 70px; left: 0; right: 0;
    background: #0A1628; flex-direction: column; align-items: flex-start;
    padding: 24px; gap: 18px; border-bottom: 1px solid rgba(200,149,26,0.2);
    z-index: 999;
  }
  .nav-menu.open { display: flex; }
  .nav-menu a { font-size: 16px; color: rgba(255,255,255,0.75); }
  .nav-cta-btn { padding: 12px 20px !important; font-size: 15px !important; }
}

/* =============================================
   HERO
============================================= */
#hero {
  min-height: 100vh; background: var(--navy);
  display: flex; align-items: center;
  padding: 120px 24px 80px; position: relative; overflow: hidden;
}
.hero-grid-bg {
  position: absolute; inset: 0; opacity: 0.035;
  background-image:
    linear-gradient(rgba(200,149,26,1) 1px, transparent 1px),
    linear-gradient(90deg, rgba(200,149,26,1) 1px, transparent 1px);
  background-size: 64px 64px;
}
.hero-glow-1 {
  position: absolute; width: 700px; height: 700px; top: -150px; right: -100px;
  background: radial-gradient(circle, rgba(200,149,26,0.13) 0%, transparent 68%);
  pointer-events: none;
}
.hero-glow-2 {
  position: absolute; width: 450px; height: 450px; bottom: -80px; left: 5%;
  background: radial-gradient(circle, rgba(26,83,170,0.14) 0%, transparent 68%);
  pointer-events: none;
}
.hero-inner {
  max-width: 1200px; margin: 0 auto; width: 100%;
  display: grid; grid-template-columns: 1fr 420px; gap: 72px; align-items: center;
  position: relative; z-index: 1;
}
.hero-disclosure {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(200,149,26,0.12); border: 1px solid rgba(200,149,26,0.32);
  border-radius: 100px; padding: 7px 16px; margin-bottom: 26px;
  font-size: 12px; color: var(--gold-bright); font-weight: 500; letter-spacing: 0.04em;
}
.hero-disclosure-dot {
  width: 7px; height: 7px; background: var(--gold); border-radius: 50%; flex-shrink: 0;
}
#hero h1 { color: var(--white); margin-bottom: 22px; }
#hero h1 em { color: var(--gold-bright); font-style: normal; }
.hero-subtitle {
  font-size: 17px; color: rgba(255,255,255,0.60); line-height: 1.72;
  max-width: 520px; margin-bottom: 36px; font-weight: 300;
}
.hero-cta-row { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; margin-bottom: 40px; }
.hero-ghost-link {
  font-size: 14px; color: rgba(255,255,255,0.6); font-weight: 400;
  display: inline-flex; align-items: center; gap: 6px; transition: color 0.2s;
  text-decoration: none;
}
.hero-ghost-link:hover { color: var(--gold); }
.hero-checks { display: flex; gap: 22px; flex-wrap: wrap; }
.hero-check { display: flex; align-items: center; gap: 8px; }
.hero-check-icon {
  width: 20px; height: 20px; background: var(--green-bg); border-radius: 50%;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
  font-size: 11px; color: var(--green); font-weight: 700;
}
.hero-check span { font-size: 13px; color: rgba(255,255,255,0.52); font-weight: 300; }

/* Hero floating card */
.hero-card {
  background: rgba(255,255,255,0.045); border: 1px solid rgba(255,255,255,0.10);
  border-radius: 20px; padding: 30px; backdrop-filter: blur(20px);
  animation: heroFloat 6s ease-in-out infinite;
}
@keyframes heroFloat {
  0%, 100% { transform: translateY(0); }
  50%       { transform: translateY(-10px); }
}
.hero-card-label {
  font-size: 11px; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase;
  color: rgba(255,255,255,0.38); margin-bottom: 18px;
  display: flex; justify-content: space-between; align-items: center;
}
.hero-card-live {
  background: var(--green); color: #fff; font-size: 10px;
  font-weight: 700; padding: 3px 9px; border-radius: 20px; letter-spacing: 0.05em;
}
.hero-stats-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 20px; }
.hero-stat-box {
  background: rgba(255,255,255,0.055); border: 1px solid rgba(255,255,255,0.08);
  border-radius: 12px; padding: 14px 16px;
}
.hero-stat-num {
  font-family: 'Playfair Display', serif; font-size: 26px; font-weight: 700;
  color: var(--gold-bright); line-height: 1; margin-bottom: 4px;
}
.hero-stat-lbl { font-size: 11px; color: rgba(255,255,255,0.40); font-weight: 300; }
.hero-card-divider { border: none; border-top: 1px solid rgba(255,255,255,0.07); margin: 18px 0; }
.hero-steps { display: flex; flex-direction: column; gap: 11px; }
.hero-step-row { display: flex; align-items: center; gap: 11px; }
.hero-step-badge {
  width: 28px; height: 28px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 12px; font-weight: 700; flex-shrink: 0;
}
.step-done { background: var(--green); color: #fff; }
.step-active { background: var(--gold); color: var(--navy); }
.hero-step-lbl { font-size: 13px; color: rgba(255,255,255,0.65); font-weight: 300; }

/* =============================================
   TRUST BAR
============================================= */
#trust-bar { background: var(--cream); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); padding: 32px 24px; }
.trust-bar-grid { max-width: 1200px; margin: 0 auto; display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; }
.trust-bar-item { display: flex; align-items: center; gap: 14px; }
.trust-bar-icon {
  width: 46px; height: 46px; background: var(--navy); border-radius: 11px;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.trust-bar-icon svg { width: 22px; height: 22px; }
.trust-bar-num { font-family: 'Playfair Display', serif; font-size: 22px; font-weight: 700; color: var(--navy); line-height: 1; }
.trust-bar-lbl { font-size: 12px; color: var(--text-muted); margin-top: 2px; }

/* =============================================
   LOAN PROGRAMS
============================================= */
#loans { padding: 96px 0; background: var(--white); }
.loans-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.loan-card {
  border: 1px solid var(--border); border-radius: var(--radius);
  padding: 32px; transition: border-color 0.3s, box-shadow 0.3s, transform 0.3s;
  position: relative; overflow: hidden; cursor: default;
}
.loan-card::after {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: var(--gold); transform: scaleX(0); transform-origin: left; transition: transform 0.3s;
}
.loan-card:hover { border-color: rgba(200,149,26,0.4); box-shadow: var(--shadow-lg); transform: translateY(-5px); }
.loan-card:hover::after { transform: scaleX(1); }
.loan-card-icon {
  width: 54px; height: 54px; background: var(--gold-light); border-radius: 12px;
  display: flex; align-items: center; justify-content: center; margin-bottom: 20px;
}
.loan-card-icon svg { width: 26px; height: 26px; }
.loan-card h3 { margin-bottom: 10px; }
.loan-card > p { font-size: 14px; color: var(--text-muted); margin-bottom: 22px; font-weight: 300; }
.loan-specs { border-top: 1px solid var(--border); padding-top: 18px; margin-bottom: 24px; display: flex; flex-direction: column; gap: 0; }
.loan-spec-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 9px 0; border-bottom: 1px solid var(--border); font-size: 13px;
}
.loan-spec-row:last-child { border-bottom: none; }
.spec-key { color: var(--text-muted); font-weight: 400; }
.spec-val { color: var(--navy); font-weight: 600; }
.loan-card-link {
  font-size: 13px; font-weight: 600; color: var(--gold); text-decoration: none;
  display: inline-flex; align-items: center; gap: 6px; transition: gap 0.2s;
}
.loan-card-link:hover { gap: 10px; }

/* =============================================
   HOW IT WORKS
============================================= */
#how-it-works { padding: 96px 0; background: var(--navy); }
#how-it-works .section-eyebrow,
#how-it-works h2,
#how-it-works .section-sub { color: rgba(255,255,255,0.55); }
#how-it-works h2 { color: var(--white); }
.hiw-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 2px; position: relative; margin-bottom: 56px; }
.hiw-connector {
  position: absolute; top: 46px; left: calc(16.66% + 24px); right: calc(16.66% + 24px);
  height: 1px; background: rgba(200,149,26,0.28); z-index: 0;
  display: flex; align-items: center; justify-content: space-between;
}
.hiw-connector::before, .hiw-connector::after {
  content: '›'; color: rgba(200,149,26,0.5); font-size: 18px;
}
.hiw-step { padding: 36px 28px; position: relative; z-index: 1; }
.hiw-num {
  width: 68px; height: 68px; border-radius: 50%;
  border: 1px solid rgba(200,149,26,0.35); background: rgba(200,149,26,0.08);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif; font-size: 28px; font-weight: 700;
  color: var(--gold); margin-bottom: 22px;
}
.hiw-step h3 { color: var(--white); margin-bottom: 10px; font-size: 19px; }
.hiw-step p { font-size: 14px; color: rgba(255,255,255,0.48); font-weight: 300; }
.hiw-cta { text-align: center; }
.hiw-cta small { display: block; font-size: 12px; color: rgba(255,255,255,0.30); margin-top: 14px; font-weight: 300; }

/* =============================================
   LEAD CAPTURE FORM
============================================= */
#get-funded { padding: 96px 0; background: var(--gold-light); border-top: 1px solid rgba(200,149,26,0.2); border-bottom: 1px solid rgba(200,149,26,0.2); }
.form-layout { display: grid; grid-template-columns: 1fr 520px; gap: 72px; align-items: start; }
.form-left h2 { margin-bottom: 14px; }
.form-left > p { font-size: 16px; color: var(--text-muted); margin-bottom: 28px; font-weight: 300; line-height: 1.72; }
.form-checklist { display: flex; flex-direction: column; gap: 12px; }
.form-check-item { display: flex; align-items: center; gap: 10px; font-size: 14px; color: var(--text-body); }
.form-check-item::before { content: '✓'; color: var(--green); font-weight: 700; font-size: 14px; flex-shrink: 0; }
.form-box {
  background: var(--white); border-radius: 20px; padding: 40px;
  box-shadow: var(--shadow-lg); border: 1px solid rgba(200,149,26,0.15);
}
.form-box h3 { font-size: 24px; margin-bottom: 4px; }
.form-box-sub { font-size: 13px; color: var(--text-muted); margin-bottom: 26px; }
.form-row-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-group { display: flex; flex-direction: column; gap: 6px; margin-bottom: 14px; }
.form-group label {
  font-size: 11px; font-weight: 600; color: var(--navy);
  letter-spacing: 0.06em; text-transform: uppercase;
}
.form-group input,
.form-group select,
.form-group textarea {
  padding: 12px 14px; border: 1.5px solid var(--border); border-radius: 8px;
  font-family: 'Sora', sans-serif; font-size: 14px; color: var(--text-body);
  background: var(--white); outline: none; width: 100%;
  transition: border-color 0.2s, box-shadow 0.2s; appearance: none; -webkit-appearance: none;
}
.form-group select { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%236B7280' stroke-width='2'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 36px; }
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { border-color: var(--gold); box-shadow: 0 0 0 3px rgba(200,149,26,0.13); }
.form-group textarea { resize: vertical; min-height: 84px; }
.form-submit-btn {
  width: 100%; background: var(--gold); color: var(--navy);
  padding: 16px; border-radius: 8px; font-family: 'Sora', sans-serif;
  font-size: 15px; font-weight: 700; border: none; cursor: pointer;
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
  box-shadow: 0 4px 20px rgba(200,149,26,0.38); letter-spacing: 0.02em;
  margin-top: 4px;
}
.form-submit-btn:hover { background: var(--gold-bright); transform: translateY(-2px); box-shadow: 0 8px 28px rgba(200,149,26,0.48); }
.form-privacy {
  font-size: 11px; color: var(--text-muted); line-height: 1.65;
  margin-top: 14px; text-align: center;
}
.form-privacy a { color: var(--gold); }
.form-lock-row { display: flex; align-items: center; justify-content: center; gap: 6px; font-size: 12px; color: var(--text-muted); margin-top: 10px; }

/* =============================================
   TESTIMONIALS
============================================= */
#testimonials { padding: 96px 0; background: var(--cream); }
.testi-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.testi-card {
  background: var(--white); border-radius: var(--radius); padding: 28px;
  border: 1px solid var(--border); transition: box-shadow 0.3s, transform 0.3s;
}
.testi-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.testi-stars { color: var(--gold); font-size: 16px; letter-spacing: 2px; margin-bottom: 16px; }
.testi-quote { font-size: 15px; color: var(--text-body); line-height: 1.72; font-style: italic; font-weight: 300; margin-bottom: 22px; }
.testi-author { display: flex; align-items: center; gap: 12px; }
.testi-avatar {
  width: 46px; height: 46px; border-radius: 50%; background: var(--navy);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif; font-size: 16px; font-weight: 700;
  color: var(--gold); flex-shrink: 0;
}
.testi-name { font-size: 14px; font-weight: 600; color: var(--navy); }
.testi-deal { font-size: 12px; color: var(--text-muted); margin-top: 2px; }
.testi-footnote { font-size: 11px; color: var(--text-muted); font-style: italic; text-align: center; margin-top: 32px; }

/* =============================================
   WHY CHOOSE US
============================================= */
#why-us { padding: 96px 0; background: var(--white); }
.why-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 22px; }
.why-card {
  padding: 28px 22px; border-radius: var(--radius); border: 1px solid var(--border);
  transition: border-color 0.3s, box-shadow 0.3s, transform 0.3s;
}
.why-card:hover { border-color: rgba(200,149,26,0.38); box-shadow: var(--shadow-md); transform: translateY(-3px); }
.why-icon {
  width: 50px; height: 50px; background: var(--navy); border-radius: 11px;
  display: flex; align-items: center; justify-content: center; margin-bottom: 18px;
}
.why-icon svg { width: 22px; height: 22px; }
.why-card h3 { font-size: 16px; margin-bottom: 8px; }
.why-card p  { font-size: 13px; color: var(--text-muted); font-weight: 300; line-height: 1.68; }

/* =============================================
   FAQ
============================================= */
#faq { padding: 96px 0; background: var(--cream); }
.faq-layout { display: grid; grid-template-columns: 360px 1fr; gap: 72px; align-items: start; }
.faq-list { display: flex; flex-direction: column; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-trigger {
  width: 100%; text-align: left; background: none; border: none; cursor: pointer;
  padding: 20px 0; display: flex; justify-content: space-between; align-items: center;
  gap: 16px; font-family: 'Sora', sans-serif; font-size: 15px; font-weight: 500;
  color: var(--navy); transition: color 0.2s;
}
.faq-trigger:hover, .faq-trigger.active { color: var(--gold); }
.faq-icon {
  width: 26px; height: 26px; border-radius: 50%; border: 1.5px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  font-size: 16px; color: var(--text-muted); flex-shrink: 0; transition: transform 0.3s, border-color 0.2s, color 0.2s;
}
.faq-trigger.active .faq-icon { transform: rotate(45deg); border-color: var(--gold); color: var(--gold); }
.faq-body {
  max-height: 0; overflow: hidden; transition: max-height 0.38s ease, padding 0.38s ease;
  font-size: 14px; color: var(--text-muted); line-height: 1.75; font-weight: 300;
}
.faq-body.open { max-height: 300px; padding-bottom: 20px; }

/* =============================================
   FINAL CTA BANNER
============================================= */
#cta-banner { padding: 100px 0; background: var(--navy); text-align: center; }
#cta-banner h2 { color: var(--white); max-width: 580px; margin: 0 auto 14px; }
#cta-banner p  { color: rgba(255,255,255,0.50); font-size: 16px; max-width: 460px; margin: 0 auto 40px; font-weight: 300; }

/* =============================================
   AFFILIATE DISCLOSURE BAR
============================================= */
#disclosure-bar {
  background: #EEEEEE; border-top: 1px solid var(--border);
  padding: 16px 24px;
}
#disclosure-bar p {
  max-width: 1200px; margin: 0 auto;
  font-size: 12px; color: var(--text-muted); text-align: center; line-height: 1.68;
}
#disclosure-bar a { color: var(--gold); }

/* =============================================
   FOOTER
============================================= */
#site-footer { background: #060F1E; padding: 56px 0 28px; }
.footer-inner { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.footer-top {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px; margin-bottom: 44px;
}
.footer-brand p { font-size: 13px; color: rgba(255,255,255,0.32); line-height: 1.7; font-weight: 300; max-width: 230px; margin-top: 14px; }
.footer-col h4 {
  font-size: 11px; font-weight: 600; letter-spacing: 0.09em; text-transform: uppercase;
  color: rgba(255,255,255,0.35); margin-bottom: 16px; font-family: 'Sora', sans-serif;
}
.footer-col a {
  display: block; font-size: 13px; color: rgba(255,255,255,0.46);
  margin-bottom: 10px; transition: color 0.2s;
}
.footer-col a:hover { color: var(--gold); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.06); padding-top: 22px;
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px;
}
.footer-copy { font-size: 12px; color: rgba(255,255,255,0.22); }
.footer-legal-links { display: flex; gap: 20px; }
.footer-legal-links a { font-size: 12px; color: rgba(255,255,255,0.22); transition: color 0.2s; }
.footer-legal-links a:hover { color: rgba(255,255,255,0.5); }

/* =============================================
   MOBILE STICKY CTA
============================================= */
#mobile-cta-bar {
  display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 998;
  background: var(--gold); padding: 14px 20px; text-align: center;
  box-shadow: 0 -4px 20px rgba(0,0,0,0.25);
}
#mobile-cta-bar a { color: var(--navy); font-weight: 700; font-size: 15px; text-decoration: none; }

/* =============================================
   SCROLL ANIMATIONS
============================================= */
.reveal {
  opacity: 0; transform: translateY(22px);
  transition: opacity 0.55s ease, transform 0.55s ease;
}
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }

/* =============================================
   RESPONSIVE BREAKPOINTS
============================================= */
@media (max-width: 1100px) {
  .hero-inner        { grid-template-columns: 1fr; gap: 48px; }
  .hero-card         { max-width: 480px; }
  .loans-grid        { grid-template-columns: 1fr 1fr; }
  .testi-grid        { grid-template-columns: 1fr 1fr; }
  .why-grid          { grid-template-columns: 1fr 1fr; }
  .form-layout       { grid-template-columns: 1fr; gap: 44px; }
  .faq-layout        { grid-template-columns: 1fr; gap: 40px; }
  .footer-top        { grid-template-columns: 1fr 1fr; }
  .hiw-connector     { display: none; }
  .hiw-grid          { grid-template-columns: 1fr; gap: 0; }
  .trust-bar-grid    { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  #mobile-cta-bar    { display: block; }
  .loans-grid, .testi-grid, .why-grid { grid-template-columns: 1fr; }
  .form-row-2        { grid-template-columns: 1fr; }
  .footer-top        { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom     { flex-direction: column; text-align: center; }
  #hero              { padding: 100px 20px 60px; }
  .section-pad       { padding: 64px 0; }
  h1                 { font-size: 34px; }
  h2                 { font-size: 28px; }
  body               { padding-bottom: 60px; }
  .trust-bar-grid    { grid-template-columns: 1fr 1fr; gap: 16px; }
  .hiw-step          { padding: 24px 16px; }
  .form-box          { padding: 26px 18px; }
}

/* WordPress alignment helpers */
.wp-block-image { margin: 0; }
.aligncenter { display: block; margin-left: auto; margin-right: auto; }