/* ===================================================
   Haven Prime Mortgage LLC — Main Stylesheet
   NMLS #2812342
   =================================================== */

:root {
  --navy:    #0D1B3E;
  --navy-mid: #1a2f5e;
  --gold:    #C9A84C;
  --gold-light: #e0c06e;
  --silver:  #8899AA;
  --white:   #FFFFFF;
  --off-white: #F5F6FA;
  --text-dark: #1a1a2e;
  --text-mid:  #444c60;
  --text-light: #6b7fa3;
  --border:  #dde3ef;
  --shadow:  0 4px 24px rgba(13,27,62,0.10);
  --shadow-lg: 0 8px 40px rgba(13,27,62,0.16);
  --radius:  10px;
  --radius-lg: 18px;
  --transition: 0.25s ease;
}

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

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'Segoe UI', system-ui, -apple-system, sans-serif;
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.6;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--gold); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--gold-light); }

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ===== TYPOGRAPHY ===== */
h1, h2, h3, h4, h5 {
  font-weight: 700;
  line-height: 1.2;
  color: var(--navy);
}
h1 { font-size: clamp(2rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.5rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); }
h4 { font-size: 1.15rem; }

.section-label {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
}
.section-title { margin-bottom: 16px; }
.section-sub {
  font-size: 1.05rem;
  color: var(--text-mid);
  max-width: 600px;
}
.text-center { text-align: center; }
.text-center .section-sub { margin: 0 auto; }

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius);
  font-size: 0.95rem;
  font-weight: 600;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
  text-decoration: none;
  white-space: nowrap;
}
.btn-primary {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}
.btn-primary:hover {
  background: var(--gold-light);
  border-color: var(--gold-light);
  color: var(--navy);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(201,168,76,0.35);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: var(--white);
}
.btn-outline:hover {
  background: var(--white);
  color: var(--navy);
}
.btn-outline-navy {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline-navy:hover {
  background: var(--navy);
  color: var(--white);
}
.btn-lg { padding: 18px 36px; font-size: 1.05rem; }

/* ===== NAVBAR ===== */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(13,27,62,0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(201,168,76,0.2);
  transition: box-shadow var(--transition);
}
.navbar.scrolled {
  box-shadow: 0 2px 20px rgba(0,0,0,0.3);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  gap: 16px;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}
.nav-logo img {
  height: 52px;
  width: auto;
  object-fit: contain;
}
.nav-logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}
.nav-logo-name {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--white);
}
.nav-logo-sub {
  font-size: 0.68rem;
  color: var(--gold);
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 2px;
  list-style: none;
  flex: 1;
  justify-content: center;
}
.nav-links a {
  display: block;
  padding: 8px 11px;
  font-size: 0.83rem;
  font-weight: 500;
  color: rgba(255,255,255,0.85);
  border-radius: 6px;
  transition: all var(--transition);
  white-space: nowrap;
}
.nav-links a:hover,
.nav-links a.active {
  color: var(--gold);
  background: rgba(201,168,76,0.1);
}
.nav-cta { flex-shrink: 0; }
.nav-cta .btn { padding: 10px 20px; font-size: 0.88rem; }

/* Mobile menu — hidden by default on ALL screen sizes */
.mobile-menu {
  display: none;
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 6px;
  background: none;
  border: none;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--transition);
}
.hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* ===== HERO ===== */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: var(--navy);
}
.hero-bg {
  position: absolute;
  inset: 0;
  background-image: url('../hero-premium.jpg');
  background-size: cover;
  background-position: center 30%;
  opacity: 0.40;
  transform: scale(1.02);
  filter: brightness(1.1) contrast(1.05);
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    135deg,
    rgba(13,27,62,0.96) 0%,
    rgba(13,27,62,0.82) 40%,
    rgba(13,27,62,0.55) 70%,
    rgba(201,168,76,0.08) 100%
  );
}
.hero-content {
  position: relative;
  z-index: 2;
  padding: 120px 0 80px;
  max-width: 700px;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(201,168,76,0.12);
  border: 1px solid rgba(201,168,76,0.3);
  color: var(--gold);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 100px;
  margin-bottom: 24px;
}
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero h1 span { color: var(--gold); }
.hero-sub {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.78);
  margin-bottom: 36px;
  max-width: 560px;
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 48px;
}
.hero-stats {
  display: flex;
  flex-wrap: wrap;
  gap: 32px;
}
.hero-stat-num {
  font-size: 2rem;
  font-weight: 800;
  color: var(--gold);
  line-height: 1;
}
.hero-stat-label {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.6);
  margin-top: 4px;
}

/* ===== COMPLIANCE BAR ===== */
.compliance-bar {
  background: var(--navy-mid);
  border-top: 1px solid rgba(201,168,76,0.2);
  padding: 12px 0;
}
.compliance-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}
.compliance-text {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.6);
}
.compliance-logos {
  display: flex;
  align-items: center;
  gap: 16px;
}
.eho-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.72rem;
  color: rgba(255,255,255,0.7);
  font-weight: 600;
}
.eho-icon {
  width: 28px;
  height: 28px;
  background: var(--white);
  border-radius: 3px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.65rem;
  font-weight: 900;
  color: var(--navy);
}

/* ===== SECTIONS ===== */
section { padding: 88px 0; }
.section-alt { background: var(--off-white); }
.section-navy { background: var(--navy); color: var(--white); }
.section-navy h2, .section-navy h3 { color: var(--white); }
.section-navy .section-sub { color: rgba(255,255,255,0.7); }

/* ===== CARDS ===== */
.card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  overflow: hidden;
  transition: transform var(--transition), box-shadow var(--transition);
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.card-body { padding: 28px; }

/* ===== LOAN PROGRAMS ===== */
.programs-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
  margin-top: 48px;
}
.program-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  border: 1.5px solid var(--border);
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.program-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition);
}
.program-card:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}
.program-card:hover::before { transform: scaleX(1); }
.program-icon {
  width: 52px;
  height: 52px;
  background: rgba(201,168,76,0.12);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 20px;
}
.program-card h3 { margin-bottom: 10px; font-size: 1.15rem; }
.program-card p { color: var(--text-mid); font-size: 0.93rem; margin-bottom: 16px; }
.program-features {
  list-style: none;
  margin-bottom: 20px;
}
.program-features li {
  font-size: 0.88rem;
  color: var(--text-mid);
  padding: 3px 0;
  padding-left: 18px;
  position: relative;
}
.program-features li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--gold);
  font-weight: 700;
}

/* ===== HOW IT WORKS ===== */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 32px;
  margin-top: 48px;
  position: relative;
}
.step-card {
  text-align: center;
  padding: 32px 20px;
}
.step-num {
  width: 56px;
  height: 56px;
  background: var(--gold);
  color: var(--navy);
  font-size: 1.3rem;
  font-weight: 800;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
}
.step-card h3 { font-size: 1.05rem; margin-bottom: 10px; }
.step-card p { font-size: 0.9rem; color: var(--text-mid); }

/* ===== TEAM ===== */
.team-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 28px;
  margin-top: 48px;
}
.team-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  text-align: center;
  transition: all var(--transition);
}
.team-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.team-photo {
  width: 100%;
  height: 280px;
  object-fit: cover;
  object-position: top;
}
.team-photo-placeholder {
  width: 100%;
  height: 280px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 4rem;
  color: var(--gold);
}
.team-info { padding: 24px 20px; }
.team-info h3 { margin-bottom: 4px; font-size: 1.15rem; }
.team-title {
  font-size: 0.82rem;
  color: var(--gold);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 8px;
}
.team-nmls {
  font-size: 0.78rem;
  color: var(--text-light);
  margin-bottom: 12px;
}
.team-bio { font-size: 0.88rem; color: var(--text-mid); }

/* ===== REVIEWS ===== */
.reviews-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 24px;
  margin-top: 48px;
}
.review-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow);
  border-left: 4px solid var(--gold);
}
.stars {
  display: flex;
  gap: 3px;
  margin-bottom: 14px;
  color: var(--gold);
  font-size: 1rem;
}
.review-text {
  font-size: 0.95rem;
  color: var(--text-mid);
  line-height: 1.7;
  margin-bottom: 18px;
  font-style: italic;
}
.reviewer-name { font-weight: 700; font-size: 0.92rem; color: var(--navy); }
.reviewer-type { font-size: 0.8rem; color: var(--text-light); }
.google-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--off-white);
  border-radius: 100px;
  padding: 6px 14px;
  font-size: 0.8rem;
  color: var(--text-mid);
  font-weight: 600;
  margin-top: 32px;
}

/* ===== CALCULATORS ===== */
.calc-tabs {
  display: flex;
  gap: 8px;
  margin-bottom: 32px;
  border-bottom: 2px solid var(--border);
  padding-bottom: 0;
}
.calc-tab {
  padding: 12px 20px;
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--text-mid);
  cursor: pointer;
  border: none;
  background: none;
  border-bottom: 3px solid transparent;
  margin-bottom: -2px;
  transition: all var(--transition);
}
.calc-tab.active {
  color: var(--gold);
  border-bottom-color: var(--gold);
}
.calc-panel { display: none; }
.calc-panel.active { display: block; }
.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: start;
}
.calc-form { background: var(--white); padding: 32px; border-radius: var(--radius-lg); box-shadow: var(--shadow); }
.calc-result {
  background: var(--navy);
  color: var(--white);
  padding: 32px;
  border-radius: var(--radius-lg);
  text-align: center;
}
.calc-result-label { font-size: 0.85rem; color: rgba(255,255,255,0.6); margin-bottom: 8px; }
.calc-result-amount {
  font-size: 3rem;
  font-weight: 800;
  color: var(--gold);
  margin-bottom: 24px;
  line-height: 1;
}
.calc-breakdown { text-align: left; margin-top: 24px; }
.breakdown-row {
  display: flex;
  justify-content: space-between;
  padding: 8px 0;
  border-bottom: 1px solid rgba(255,255,255,0.1);
  font-size: 0.88rem;
}
.breakdown-row:last-child { border-bottom: none; }
.breakdown-label { color: rgba(255,255,255,0.65); }
.breakdown-value { color: var(--white); font-weight: 600; }

/* ===== FORM ===== */
.form-group { margin-bottom: 20px; }
.form-label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 7px;
}
.form-control {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-size: 0.95rem;
  color: var(--text-dark);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
  font-family: inherit;
}
.form-control:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,168,76,0.15);
}
select.form-control { cursor: pointer; }
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.form-hint {
  font-size: 0.78rem;
  color: var(--text-light);
  margin-top: 5px;
}

/* SMS / Opt-in */
.sms-consent {
  background: #f0f4ff;
  border: 1.5px solid #c5d0e8;
  border-radius: var(--radius);
  padding: 16px 18px;
  margin: 20px 0;
}
.sms-consent-title {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
}
.sms-consent-text {
  font-size: 0.78rem;
  color: var(--text-mid);
  line-height: 1.6;
  margin-bottom: 10px;
}
.checkbox-group {
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
.checkbox-group input[type="checkbox"] {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  margin-top: 2px;
  accent-color: var(--gold);
  cursor: pointer;
}
.checkbox-label {
  font-size: 0.82rem;
  color: var(--text-mid);
  cursor: pointer;
  line-height: 1.5;
}
.checkbox-label a { font-weight: 600; }
.form-status {
  display: none;
  padding: 12px 16px;
  border-radius: var(--radius);
  font-size: 0.9rem;
  font-weight: 600;
  margin-top: 14px;
}
.form-status.success {
  display: block;
  background: #e8f5e9;
  color: #2e7d32;
  border: 1px solid #a5d6a7;
}
.form-status.error {
  display: block;
  background: #fbe9e7;
  color: #c62828;
  border: 1px solid #ffab91;
}

/* ===== CONTACT ===== */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 48px;
  align-items: start;
}
.contact-info-card {
  background: var(--navy);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px 32px;
}
.contact-info-card h3 { color: var(--white); margin-bottom: 8px; }
.contact-info-card .section-sub { color: rgba(255,255,255,0.7); margin-bottom: 32px; }
.contact-item {
  display: flex;
  gap: 16px;
  margin-bottom: 24px;
  align-items: flex-start;
}
.contact-item-icon {
  width: 40px;
  height: 40px;
  background: rgba(201,168,76,0.15);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
  color: var(--gold);
}
.contact-item-label {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.5);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 3px;
}
.contact-item-value {
  font-size: 0.95rem;
  color: var(--white);
  font-weight: 500;
}
.contact-item-value a { color: var(--gold-light); }
.contact-form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px 36px;
  box-shadow: var(--shadow-lg);
}

/* ===== CTA SECTION ===== */
.cta-section {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 80px 0;
  text-align: center;
}
.cta-section h2 { color: var(--white); margin-bottom: 16px; }
.cta-section p { color: rgba(255,255,255,0.72); margin-bottom: 36px; font-size: 1.05rem; }
.cta-actions { display: flex; justify-content: center; flex-wrap: wrap; gap: 16px; }

/* ===== FOOTER ===== */
.footer {
  background: #08102a;
  color: rgba(255,255,255,0.65);
  padding: 64px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 48px;
}
.footer-brand img { height: 52px; margin-bottom: 16px; }
.footer-brand p { font-size: 0.87rem; line-height: 1.7; color: rgba(255,255,255,0.55); margin-bottom: 16px; }
.footer-nmls { font-size: 0.78rem; color: rgba(255,255,255,0.4); }
.footer-col h4 {
  color: var(--white);
  font-size: 0.88rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 16px;
}
.footer-links { list-style: none; }
.footer-links li { margin-bottom: 9px; }
.footer-links a { font-size: 0.88rem; color: rgba(255,255,255,0.55); transition: color var(--transition); }
.footer-links a:hover { color: var(--gold); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 24px 0;
}
.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 24px;
  flex-wrap: wrap;
}
.footer-legal { font-size: 0.74rem; color: rgba(255,255,255,0.35); line-height: 1.7; max-width: 780px; }
.footer-legal-links {
  display: flex;
  gap: 16px;
  flex-shrink: 0;
}
.footer-legal-links a { font-size: 0.78rem; color: rgba(255,255,255,0.45); }
.footer-legal-links a:hover { color: var(--gold); }

/* ===== TEXAS DISCLOSURE ===== */
.tx-disclosure {
  background: rgba(255,255,255,0.04);
  border-top: 1px solid rgba(255,255,255,0.06);
  padding: 20px 0;
  font-size: 0.73rem;
  color: rgba(255,255,255,0.3);
  line-height: 1.8;
}

/* ===== PAGE HEADER ===== */
.page-header {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 140px 0 72px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-header::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}
.page-header h1 { color: var(--white); margin-bottom: 12px; }
.page-header p { color: rgba(255,255,255,0.7); font-size: 1.1rem; }
.breadcrumb {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.5);
  margin-bottom: 16px;
}
.breadcrumb a { color: var(--gold); }

/* ===== ABOUT ===== */
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.about-img-wrap {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.about-img-wrap img {
  width: 100%;
  height: 500px;
  object-fit: cover;
  object-position: top;
  border-radius: var(--radius-lg);
}
.about-img-badge {
  position: absolute;
  bottom: 24px;
  left: 24px;
  background: var(--gold);
  color: var(--navy);
  padding: 14px 20px;
  border-radius: var(--radius);
  font-weight: 700;
}
.about-img-badge span { display: block; font-size: 1.5rem; line-height: 1; }
.about-img-badge small { font-size: 0.78rem; font-weight: 600; }
.values-list { list-style: none; margin-top: 24px; }
.values-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 10px 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.95rem;
  color: var(--text-mid);
}
.values-list li:last-child { border-bottom: none; }
.values-list .icon { color: var(--gold); font-size: 1.1rem; flex-shrink: 0; }

/* ===== PRIVACY / TERMS ===== */
.legal-content {
  max-width: 860px;
  margin: 0 auto;
}
.legal-content h2 {
  font-size: 1.35rem;
  margin-top: 40px;
  margin-bottom: 12px;
  padding-top: 20px;
  border-top: 1px solid var(--border);
  color: var(--navy);
}
.legal-content h2:first-child { border-top: none; margin-top: 0; padding-top: 0; }
.legal-content p, .legal-content li {
  font-size: 0.95rem;
  color: var(--text-mid);
  line-height: 1.8;
  margin-bottom: 12px;
}
.legal-content ul, .legal-content ol {
  padding-left: 24px;
  margin-bottom: 16px;
}
.legal-content strong { color: var(--text-dark); }
.legal-highlight {
  background: #fef9ed;
  border-left: 4px solid var(--gold);
  padding: 16px 20px;
  border-radius: 0 var(--radius) var(--radius) 0;
  margin: 20px 0;
  font-size: 0.9rem;
  color: var(--text-mid);
}

/* ===== UTILITIES ===== */
.mt-8 { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mb-24 { margin-bottom: 24px; }
.gap-cta { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 28px; }

/* ===== ANIMATIONS ===== */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(24px); }
  to   { opacity: 1; transform: translateY(0); }
}
.animate-up { animation: fadeInUp 0.6s ease both; }
.delay-1 { animation-delay: 0.1s; }
.delay-2 { animation-delay: 0.2s; }
.delay-3 { animation-delay: 0.3s; }

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .calc-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .about-grid { grid-template-columns: 1fr; gap: 40px; }
}

@media (max-width: 900px) {
  /* Hide desktop nav, show hamburger */
  .nav-links, .nav-cta { display: none !important; }
  .hamburger { display: flex; }

  /* Mobile dropdown menu */
  .mobile-menu {
    display: none;
    position: absolute;
    top: 72px; left: 0; right: 0;
    background: var(--navy);
    padding: 16px 24px 24px;
    border-bottom: 1px solid rgba(201,168,76,0.2);
    z-index: 999;
    box-shadow: 0 8px 24px rgba(0,0,0,0.3);
  }
  .mobile-menu.open { display: block; }
  .mobile-menu ul { list-style: none; padding: 0; margin: 0; }
  .mobile-menu ul li a {
    display: block;
    padding: 13px 0;
    color: rgba(255,255,255,0.85);
    font-size: 1rem;
    font-weight: 500;
    border-bottom: 1px solid rgba(255,255,255,0.08);
    transition: color var(--transition);
  }
  .mobile-menu ul li a:hover { color: var(--gold); }
  .mobile-menu .btn { width: 100%; justify-content: center; margin-top: 16px; }

  section { padding: 60px 0; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom-inner { flex-direction: column; }
  .form-row { grid-template-columns: 1fr; }
  .hero-stats { gap: 20px; }
  .calc-tabs { overflow-x: auto; }
}

@media (max-width: 480px) {
  .programs-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr; }
  .reviews-grid { grid-template-columns: 1fr; }
}

/* ===== LANGUAGE SWITCHER ===== */
.lang-switcher {
  display: flex;
  align-items: center;
  gap: 2px;
  background: rgba(255,255,255,0.10);
  border-radius: 20px;
  padding: 3px;
  margin-right: 4px;
}
.lang-btn {
  background: transparent;
  border: none;
  color: rgba(255,255,255,0.65);
  padding: 5px 12px;
  border-radius: 16px;
  font-size: 0.74rem;
  font-weight: 700;
  cursor: pointer;
  letter-spacing: 0.07em;
  transition: all 0.2s;
  font-family: inherit;
}
.lang-btn:hover { color: var(--gold); }
.lang-btn.active {
  background: var(--gold);
  color: var(--navy);
}
/* Mobile menu lang switcher */
.mobile-lang-switcher {
  display: flex;
  gap: 8px;
  padding: 12px 0 4px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  margin-bottom: 4px;
}
.mobile-lang-btn {
  flex: 1;
  background: rgba(255,255,255,0.08);
  border: 1.5px solid rgba(201,168,76,0.3);
  color: rgba(255,255,255,0.7);
  padding: 9px 0;
  border-radius: var(--radius);
  font-size: 0.85rem;
  font-weight: 700;
  cursor: pointer;
  letter-spacing: 0.07em;
  transition: all 0.2s;
  font-family: inherit;
  text-align: center;
}
.mobile-lang-btn:hover { border-color: var(--gold); color: var(--gold); }
.mobile-lang-btn.active {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--navy);
}