/* ============================================
   MARIANA LOPEZ — CROSSCOUNTRY MORTGAGE
   San Diego | Terracotta + Sand Palette
   ============================================ */

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

:root {
    --terracotta: #C4653A;
    --terracotta-dark: #A85230;
    --terracotta-light: #D4856A;
    --sand: #F5E6D3;
    --sand-light: #FBF5EE;
    --sand-dark: #E8D5C0;
    --cream: #FFFCF8;
    --charcoal: #2C2420;
    --charcoal-light: #4A3F38;
    --warm-gray: #8A7E76;
    --warm-gray-light: #B8ADA4;
    --white: #FFFFFF;
    --radius-sm: 8px;
    --radius-md: 12px;
    --radius-lg: 20px;
    --radius-xl: 28px;
    --shadow-sm: 0 2px 8px rgba(44, 36, 32, 0.06);
    --shadow-md: 0 8px 30px rgba(44, 36, 32, 0.10);
    --shadow-lg: 0 20px 60px rgba(44, 36, 32, 0.12);
    --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

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

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    color: var(--charcoal);
    background: var(--cream);
    line-height: 1.6;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
    font-family: 'Playfair Display', Georgia, serif;
    line-height: 1.2;
    font-weight: 700;
}

a {
    color: inherit;
    text-decoration: none;
}

img {
    max-width: 100%;
    height: auto;
    display: block;
}

ul {
    list-style: none;
}

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

/* ---------- NAVIGATION ---------- */
.nav {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(255, 252, 248, 0.85);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border-bottom: 1px solid rgba(196, 101, 58, 0.08);
    transition: var(--transition);
}

.nav.scrolled {
    background: rgba(255, 252, 248, 0.95);
    box-shadow: var(--shadow-sm);
}

.nav-inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
    height: 72px;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.nav-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    font-family: 'Playfair Display', serif;
    font-weight: 700;
    font-size: 1.1rem;
    color: var(--charcoal);
}

.nav-logo-icon {
    color: var(--terracotta);
}

.nav-logo-text {
    transition: var(--transition);
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 32px;
}

.nav-links a {
    font-size: 0.9rem;
    font-weight: 500;
    color: var(--charcoal-light);
    transition: var(--transition);
    position: relative;
}

.nav-links a::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--terracotta);
    transition: var(--transition);
}

.nav-links a:hover {
    color: var(--terracotta);
}

.nav-links a:hover::after {
    width: 100%;
}

.nav-cta {
    background: var(--terracotta) !important;
    color: var(--white) !important;
    padding: 10px 22px;
    border-radius: 50px;
    font-weight: 600 !important;
    transition: var(--transition) !important;
}

.nav-cta::after {
    display: none !important;
}

.nav-cta:hover {
    background: var(--terracotta-dark) !important;
    transform: translateY(-1px);
    box-shadow: 0 4px 15px rgba(196, 101, 58, 0.3);
}

/* Mobile toggle */
.nav-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
}

.nav-toggle-bar {
    width: 24px;
    height: 2px;
    background: var(--charcoal);
    transition: var(--transition);
    border-radius: 2px;
}

.nav-toggle.active .nav-toggle-bar:nth-child(1) {
    transform: rotate(45deg) translate(5px, 5px);
}

.nav-toggle.active .nav-toggle-bar:nth-child(2) {
    opacity: 0;
}

.nav-toggle.active .nav-toggle-bar:nth-child(3) {
    transform: rotate(-45deg) translate(5px, -5px);
}

/* ---------- HERO ---------- */
.hero {
    min-height: 100vh;
    display: flex;
    align-items: center;
    padding: 100px 24px 60px;
    position: relative;
    overflow: hidden;
    background: var(--cream);
}

.hero-shapes {
    position: absolute;
    inset: 0;
    pointer-events: none;
    overflow: hidden;
}

.hero-shape {
    position: absolute;
    opacity: 0.08;
}

.hero-shape--circle1 {
    width: 600px;
    height: 600px;
    border-radius: 50%;
    background: var(--terracotta);
    top: -200px;
    right: -100px;
}

.hero-shape--circle2 {
    width: 300px;
    height: 300px;
    border-radius: 50%;
    background: var(--sand-dark);
    bottom: -80px;
    left: 10%;
}

.hero-shape--rect {
    width: 200px;
    height: 200px;
    background: var(--terracotta);
    top: 30%;
    left: 5%;
    transform: rotate(15deg);
    opacity: 0.05;
    border-radius: var(--radius-lg);
}

.hero-shape--triangle {
    width: 0;
    height: 0;
    border-left: 100px solid transparent;
    border-right: 100px solid transparent;
    border-bottom: 170px solid var(--sand-dark);
    top: 15%;
    right: 35%;
    opacity: 0.06;
}

.hero-inner {
    max-width: 1200px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    width: 100%;
    position: relative;
    z-index: 1;
}

.hero-content {
    max-width: 560px;
}

.hero-greeting {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 24px;
}

.hero-greeting-line {
    width: 40px;
    height: 2px;
    background: var(--terracotta);
    flex-shrink: 0;
}

.hero-greeting-text {
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--terracotta);
    letter-spacing: 0.02em;
    text-transform: uppercase;
}

.hero-headline {
    font-size: clamp(2.4rem, 5vw, 3.8rem);
    color: var(--charcoal);
    margin-bottom: 24px;
    line-height: 1.1;
}

.hero-headline-accent {
    color: var(--terracotta);
    font-style: italic;
    font-weight: 600;
}

.hero-subheadline {
    font-size: 1.1rem;
    color: var(--warm-gray);
    line-height: 1.7;
    margin-bottom: 36px;
    max-width: 480px;
}

.hero-actions {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
    margin-bottom: 48px;
}

/* Buttons */
.btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 14px 28px;
    border-radius: 50px;
    font-size: 0.95rem;
    font-weight: 600;
    font-family: 'Inter', sans-serif;
    cursor: pointer;
    transition: var(--transition);
    border: 2px solid transparent;
    text-decoration: none;
}

.btn--primary {
    background: var(--terracotta);
    color: var(--white);
    border-color: var(--terracotta);
}

.btn--primary:hover {
    background: var(--terracotta-dark);
    border-color: var(--terracotta-dark);
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(196, 101, 58, 0.35);
}

.btn--ghost {
    background: transparent;
    color: var(--charcoal);
    border-color: var(--sand-dark);
}

.btn--ghost:hover {
    border-color: var(--terracotta);
    color: var(--terracotta);
    transform: translateY(-2px);
}

.btn--white {
    background: var(--white);
    color: var(--terracotta);
    border-color: var(--white);
}

.btn--white:hover {
    background: var(--sand);
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

.btn--outline-light {
    background: transparent;
    color: var(--white);
    border-color: rgba(255, 255, 255, 0.5);
}

.btn--outline-light:hover {
    background: rgba(255, 255, 255, 0.15);
    border-color: var(--white);
    transform: translateY(-2px);
}

.btn--full {
    width: 100%;
    justify-content: center;
}

/* Trust bar */
.hero-trust {
    display: flex;
    align-items: center;
    gap: 24px;
}

.hero-trust-item {
    display: flex;
    flex-direction: column;
}

.hero-trust-num {
    font-family: 'Playfair Display', serif;
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--charcoal);
    line-height: 1;
}

.hero-trust-label {
    font-size: 0.8rem;
    color: var(--warm-gray);
    margin-top: 4px;
}

.hero-trust-divider {
    width: 1px;
    height: 40px;
    background: var(--sand-dark);
    flex-shrink: 0;
}

/* Hero image */
.hero-image-col {
    position: relative;
}

.hero-image-frame {
    position: relative;
    border-radius: var(--radius-xl);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
}

.hero-image-frame img {
    width: 100%;
    height: 780px;
    object-fit: cover;
    display: block;
}

.hero-image-accent {
    position: absolute;
    bottom: -20px;
    right: -20px;
    width: 120px;
    height: 120px;
    background: var(--sand);
    border-radius: var(--radius-lg);
    z-index: -1;
}

.hero-float-card {
    position: absolute;
    bottom: 40px;
    left: -40px;
    background: var(--white);
    padding: 16px 20px;
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-md);
    display: flex;
    align-items: center;
    gap: 12px;
    z-index: 2;
}

.hero-float-card-icon {
    width: 44px;
    height: 44px;
    background: var(--terracotta);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    flex-shrink: 0;
}

.hero-float-card-text {
    display: flex;
    flex-direction: column;
}

.hero-float-card-text strong {
    font-size: 0.85rem;
    color: var(--charcoal);
}

.hero-float-card-text span {
    font-size: 0.75rem;
    color: var(--warm-gray);
}

/* ---------- SECTION HEADERS ---------- */
.section-header {
    text-align: center;
    margin-bottom: 64px;
}

.section-tag {
    display: inline-block;
    font-size: 0.8rem;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--terracotta);
    margin-bottom: 16px;
    position: relative;
    padding: 0 16px;
}

.section-tag::before,
.section-tag::after {
    content: '';
    position: absolute;
    top: 50%;
    width: 24px;
    height: 1px;
    background: var(--terracotta);
}

.section-tag::before {
    left: -16px;
}

.section-tag::after {
    right: -16px;
}

.section-tag--light {
    color: var(--sand);
}

.section-tag--light::before,
.section-tag--light::after {
    background: var(--sand);
}

.section-headline {
    font-size: clamp(2rem, 4vw, 3rem);
    color: var(--charcoal);
    margin-bottom: 0;
}

.section-headline--light {
    color: var(--sand-light);
}

.section-headline-accent {
    color: var(--terracotta);
    font-style: italic;
}

.section-headline-accent--dark {
    color: var(--sand);
}

/* ---------- ABOUT ---------- */
.about {
    padding: 120px 24px;
    position: relative;
    overflow: hidden;
    background: var(--sand-light);
}

.about-bg-shape {
    position: absolute;
    width: 500px;
    height: 500px;
    border-radius: 50%;
    background: var(--terracotta);
    opacity: 0.04;
    top: -150px;
    right: -150px;
    pointer-events: none;
}

.about-inner {
    max-width: 1200px;
    margin: 0 auto;
    position: relative;
    z-index: 1;
}

.about-layout {
    max-width: 960px;
    margin: 0 auto;
}

.about-label {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 0.85rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--terracotta);
    margin-bottom: 24px;
}

.about-label-dot {
    width: 8px;
    height: 8px;
    background: var(--terracotta);
    border-radius: 50%;
}

.about-headline {
    font-size: clamp(2rem, 4vw, 2.8rem);
    color: var(--charcoal);
    margin-bottom: 48px;
    max-width: 600px;
}

.about-headline-accent {
    color: var(--terracotta);
    font-style: italic;
}

.about-columns {
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 48px;
    align-items: start;
}

.about-text p {
    font-size: 1.05rem;
    color: var(--charcoal-light);
    line-height: 1.8;
    margin-bottom: 20px;
}

.about-image {
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-md);
}

.about-image img {
    width: 100%;
    height: 400px;
    object-fit: cover;
    display: block;
}

.about-image-caption {
    padding: 16px 20px;
    background: var(--white);
    font-size: 0.85rem;
    color: var(--warm-gray);
    font-style: italic;
}

/* ---------- SERVICES ---------- */
.services {
    padding: 120px 24px;
    background: var(--cream);
}

.services-inner {
    max-width: 1200px;
    margin: 0 auto;
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.service-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 36px 32px;
    position: relative;
    overflow: hidden;
    transition: var(--transition);
    border: 1px solid rgba(196, 101, 58, 0.06);
}

.service-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(196, 101, 58, 0.15);
}

.service-card--featured {
    background: var(--terracotta);
    color: var(--white);
    border-color: transparent;
}

.service-card--featured:hover {
    background: var(--terracotta-dark);
    border-color: transparent;
}

.service-card-number {
    font-family: 'Playfair Display', serif;
    font-size: 3rem;
    font-weight: 700;
    color: var(--sand-dark);
    line-height: 1;
    margin-bottom: 20px;
}

.service-card--featured .service-card-number {
    color: rgba(255, 255, 255, 0.3);
}

.service-card-icon {
    width: 52px;
    height: 52px;
    background: var(--sand);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--terracotta);
    margin-bottom: 20px;
}

.service-card--featured .service-card-icon {
    background: rgba(255, 255, 255, 0.2);
    color: var(--white);
}

.service-card-title {
    font-size: 1.25rem;
    margin-bottom: 12px;
    color: var(--charcoal);
}

.service-card--featured .service-card-title {
    color: var(--white);
}

.service-card-desc {
    font-size: 0.95rem;
    color: var(--warm-gray);
    line-height: 1.7;
    margin-bottom: 20px;
}

.service-card--featured .service-card-desc {
    color: rgba(255, 255, 255, 0.8);
}

.service-card-features {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.service-card-features li {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.88rem;
    color: var(--charcoal-light);
}

.service-card-features li::before {
    content: '';
    width: 6px;
    height: 6px;
    background: var(--terracotta);
    border-radius: 50%;
    flex-shrink: 0;
}

.service-card--featured .service-card-features li {
    color: rgba(255, 255, 255, 0.9);
}

.service-card--featured .service-card-features li::before {
    background: var(--sand);
}

/* ---------- PROCESS ---------- */
.process {
    padding: 120px 24px;
    background: var(--charcoal);
    position: relative;
    overflow: hidden;
}

.process::before {
    content: '';
    position: absolute;
    width: 400px;
    height: 400px;
    border-radius: 50%;
    background: var(--terracotta);
    opacity: 0.06;
    top: -100px;
    left: -100px;
}

.process-inner {
    max-width: 900px;
    margin: 0 auto;
    position: relative;
    z-index: 1;
}

.process-timeline {
    display: flex;
    flex-direction: column;
    gap: 0;
}

.process-step {
    display: grid;
    grid-template-columns: 80px 1fr;
    gap: 32px;
    align-items: start;
    padding: 32px 0;
    position: relative;
}

.process-step-visual {
    display: flex;
    flex-direction: column;
    align-items: center;
    position: relative;
}

.process-step-circle {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    background: var(--terracotta);
    color: var(--white);
    font-family: 'Playfair Display', serif;
    font-size: 1.2rem;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    position: relative;
    z-index: 1;
}

.process-step-line {
    width: 2px;
    height: 100%;
    background: rgba(196, 101, 58, 0.3);
    position: absolute;
    top: 56px;
    left: 50%;
    transform: translateX(-50%);
    z-index: 0;
}

.process-step:last-child .process-step-line {
    display: none;
}

.process-step-content h3 {
    font-size: 1.3rem;
    color: var(--sand-light);
    margin-bottom: 8px;
}

.process-step-content p {
    font-size: 0.95rem;
    color: var(--warm-gray-light);
    line-height: 1.7;
    max-width: 560px;
}

/* ---------- TESTIMONIALS ---------- */
.testimonials {
    padding: 120px 24px;
    background: var(--sand-light);
}

.testimonials-inner {
    max-width: 1200px;
    margin: 0 auto;
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.testimonial-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 36px 32px;
    position: relative;
    overflow: hidden;
    transition: var(--transition);
    border: 1px solid rgba(196, 101, 58, 0.06);
}

.testimonial-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.testimonial-card--alt {
    background: var(--terracotta);
    color: var(--white);
    border-color: transparent;
}

.testimonial-card-accent {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--terracotta), var(--terracotta-light));
}

.testimonial-card--alt .testimonial-card-accent {
    background: linear-gradient(90deg, var(--sand), rgba(255, 255, 255, 0.5));
}

.testimonial-card-stars {
    display: flex;
    gap: 4px;
    margin-bottom: 20px;
}

.testimonial-card-quote {
    font-size: 1rem;
    line-height: 1.8;
    color: var(--charcoal-light);
    margin-bottom: 24px;
    font-style: italic;
}

.testimonial-card--alt .testimonial-card-quote {
    color: rgba(255, 255, 255, 0.9);
}

.testimonial-card-author {
    display: flex;
    align-items: center;
    gap: 12px;
}

.testimonial-card-author-avatar {
    width: 40px;
    height: 40px;
    background: var(--sand);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--terracotta);
    flex-shrink: 0;
}

.testimonial-card--alt .testimonial-card-author-avatar {
    background: rgba(255, 255, 255, 0.2);
    color: var(--white);
}

.testimonial-card-author-info {
    display: flex;
    flex-direction: column;
}

.testimonial-card-author-name {
    font-weight: 600;
    font-size: 0.9rem;
    color: var(--charcoal);
}

.testimonial-card--alt .testimonial-card-author-name {
    color: var(--white);
}

.testimonial-card-author-detail {
    font-size: 0.8rem;
    color: var(--warm-gray);
}

.testimonial-card--alt .testimonial-card-author-detail {
    color: rgba(255, 255, 255, 0.7);
}

/* ---------- CTA BANNER ---------- */
.cta-banner {
    padding: 100px 24px;
    background: var(--terracotta);
    position: relative;
    overflow: hidden;
}

.cta-banner-shapes {
    position: absolute;
    inset: 0;
    pointer-events: none;
}

.cta-shape {
    position: absolute;
    opacity: 0.1;
}

.cta-shape--circle {
    width: 300px;
    height: 300px;
    border-radius: 50%;
    background: var(--white);
    top: -80px;
    right: 10%;
}

.cta-shape--rect {
    width: 150px;
    height: 150px;
    background: var(--sand);
    bottom: -40px;
    left: 5%;
    transform: rotate(20deg);
    border-radius: var(--radius-md);
}

.cta-shape--dot {
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: var(--white);
    top: 20%;
    left: 15%;
}

.cta-banner-inner {
    max-width: 700px;
    margin: 0 auto;
    text-align: center;
    position: relative;
    z-index: 1;
}

.cta-banner-headline {
    font-size: clamp(2rem, 4vw, 3rem);
    color: var(--white);
    margin-bottom: 20px;
}

.cta-banner-headline-accent {
    color: var(--sand);
    font-style: italic;
}

.cta-banner-desc {
    font-size: 1.1rem;
    color: rgba(255, 255, 255, 0.85);
    line-height: 1.7;
    margin-bottom: 36px;
}

.cta-banner-actions {
    display: flex;
    gap: 16px;
    justify-content: center;
    flex-wrap: wrap;
}

/* ---------- CONTACT ---------- */
.contact {
    padding: 120px 24px;
    background: var(--cream);
}

.contact-inner {
    max-width: 1200px;
    margin: 0 auto;
}

.contact-layout {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: start;
}

.contact-info {
    max-width: 480px;
}

.contact-headline {
    font-size: clamp(2rem, 3.5vw, 2.6rem);
    color: var(--charcoal);
    margin-bottom: 20px;
}

.contact-headline-accent {
    color: var(--terracotta);
    font-style: italic;
}

.contact-desc {
    font-size: 1.05rem;
    color: var(--warm-gray);
    line-height: 1.7;
    margin-bottom: 40px;
}

.contact-details {
    display: flex;
    flex-direction: column;
    gap: 24px;
}

.contact-detail {
    display: flex;
    align-items: flex-start;
    gap: 16px;
}

.contact-detail-icon {
    width: 48px;
    height: 48px;
    background: var(--sand);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--terracotta);
    flex-shrink: 0;
}

.contact-detail-text {
    display: flex;
    flex-direction: column;
    gap: 2px;
}

.contact-detail-text strong {
    font-size: 0.8rem;
    font-weight: 700;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: var(--terracotta);
}

.contact-detail-text span,
.contact-detail-text a {
    font-size: 0.95rem;
    color: var(--charcoal-light);
    line-height: 1.6;
}

.contact-detail-text a:hover {
    color: var(--terracotta);
    text-decoration: underline;
}

/* Form */
.contact-form-wrapper {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: 40px;
    box-shadow: var(--shadow-md);
    border: 1px solid rgba(196, 101, 58, 0.06);
}

.contact-form {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 6px;
}

.form-group label {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--charcoal);
}

.form-group input,
.form-group select,
.form-group textarea {
    padding: 12px 16px;
    border: 1.5px solid var(--sand-dark);
    border-radius: var(--radius-sm);
    font-size: 0.95rem;
    font-family: 'Inter', sans-serif;
    color: var(--charcoal);
    background: var(--sand-light);
    transition: var(--transition);
    outline: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    border-color: var(--terracotta);
    background: var(--white);
    box-shadow: 0 0 0 3px rgba(196, 101, 58, 0.1);
}

.form-group input::placeholder,
.form-group textarea::placeholder {
    color: var(--warm-gray-light);
}

.form-group textarea {
    resize: vertical;
    min-height: 120px;
}

/* Form success */
.form-success {
    display: none;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    text-align: center;
    padding: 48px 24px;
    gap: 16px;
}

.form-success.show {
    display: flex;
}

.form-success-icon {
    width: 72px;
    height: 72px;
    background: var(--sand);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
}

.form-success-title {
    font-size: 1.5rem;
    color: var(--charcoal);
}

.form-success p {
    color: var(--warm-gray);
    font-size: 0.95rem;
}

/* ---------- FOOTER ---------- */
.footer {
    background: var(--charcoal);
    color: var(--sand);
    padding: 80px 24px 0;
}

.footer-inner {
    max-width: 1200px;
    margin: 0 auto;
}

.footer-top {
    display: grid;
    grid-template-columns: 1.5fr 2fr;
    gap: 60px;
    padding-bottom: 60px;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    font-family: 'Playfair Display', serif;
    font-size: 1.2rem;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 16px;
}

.footer-logo svg {
    color: var(--terracotta-light);
}

.footer-tagline {
    font-size: 0.95rem;
    color: var(--warm-gray-light);
    line-height: 1.7;
    max-width: 280px;
}

.footer-links {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
}

.footer-link-col {
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.footer-link-col strong {
    font-size: 0.8rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--terracotta-light);
    margin-bottom: 4px;
}

.footer-link-col a,
.footer-link-col span {
    font-size: 0.9rem;
    color: var(--warm-gray-light);
    transition: var(--transition);
    line-height: 1.6;
}

.footer-link-col a:hover {
    color: var(--white);
}

.footer-divider {
    height: 1px;
    background: rgba(255, 255, 255, 0.08);
    margin-bottom: 32px;
}

.footer-bottom {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 16px;
    padding-bottom: 32px;
}

.footer-copy,
.footer-nmls {
    font-size: 0.82rem;
    color: var(--warm-gray);
}

.footer-disclaimer {
    padding: 24px 0;
    border-top: 1px solid rgba(255, 255, 255, 0.06);
}

.footer-disclaimer p {
    font-size: 0.75rem;
    color: rgba(255, 255, 255, 0.3);
    line-height: 1.7;
    max-width: 900px;
}

/* ---------- BACK TO TOP ---------- */
.back-to-top {
    position: fixed;
    bottom: 32px;
    right: 32px;
    width: 48px;
    height: 48px;
    background: var(--terracotta);
    color: var(--white);
    border: none;
    border-radius: 50%;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: var(--shadow-md);
    transition: var(--transition);
    opacity: 0;
    visibility: hidden;
    transform: translateY(16px);
    z-index: 999;
}

.back-to-top.visible {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.back-to-top:hover {
    background: var(--terracotta-dark);
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

/* ---------- ANIMATIONS ---------- */
.fade-up {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.6s ease, transform 0.6s ease;
}

.fade-up.visible {
    opacity: 1;
    transform: translateY(0);
}

/* ---------- RESPONSIVE ---------- */
@media (max-width: 1024px) {
    .hero-inner {
        grid-template-columns: 1fr;
        gap: 48px;
    }

    .hero-content {
        max-width: 100%;
        text-align: center;
    }

    .hero-greeting {
        justify-content: center;
    }

    .hero-subheadline {
        max-width: 100%;
        margin-left: auto;
        margin-right: auto;
    }

    .hero-actions {
        justify-content: center;
    }

    .hero-trust {
        justify-content: center;
    }

    .hero-image-col {
        max-width: 500px;
        margin: 0 auto;
    }

    .hero-image-frame img {
        height: 500px;
    }

    .hero-float-card {
        left: 10px;
        bottom: 20px;
    }

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

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

    .testimonials-grid .testimonial-card:last-child {
        grid-column: span 2;
        max-width: 500px;
        margin: 0 auto;
        width: 100%;
    }

    .contact-layout {
        grid-template-columns: 1fr;
        gap: 48px;
    }

    .contact-info {
        max-width: 100%;
    }

    .footer-top {
        grid-template-columns: 1fr;
        gap: 40px;
    }
}

@media (max-width: 768px) {
    .nav-links {
        position: fixed;
        top: 72px;
        left: 0;
        right: 0;
        background: rgba(255, 252, 248, 0.98);
        backdrop-filter: blur(20px);
        flex-direction: column;
        padding: 32px 24px;
        gap: 20px;
        transform: translateY(-100%);
        opacity: 0;
        visibility: hidden;
        transition: var(--transition);
        border-bottom: 1px solid rgba(196, 101, 58, 0.08);
    }

    .nav-links.open {
        transform: translateY(0);
        opacity: 1;
        visibility: visible;
    }

    .nav-toggle {
        display: flex;
    }

    .hero {
        padding: 100px 24px 80px;
        min-height: auto;
    }

    .hero-headline {
        font-size: clamp(2rem, 8vw, 2.8rem);
    }

    .hero-image-frame img {
        height: 380px;
    }

    .hero-float-card {
        position: relative;
        bottom: auto;
        left: auto;
        margin-top: 16px;
        display: inline-flex;
    }

    .hero-image-col {
        display: flex;
        flex-direction: column;
        align-items: center;
    }

    .about-columns {
        grid-template-columns: 1fr;
        gap: 32px;
    }

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

    .process-step {
        grid-template-columns: 60px 1fr;
        gap: 20px;
    }

    .process-step-circle {
        width: 48px;
        height: 48px;
        font-size: 1rem;
    }

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

    .testimonials-grid .testimonial-card:last-child {
        grid-column: span 1;
        max-width: 100%;
    }

    .form-row {
        grid-template-columns: 1fr;
    }

    .contact-form-wrapper {
        padding: 28px;
    }

    .footer-links {
        grid-template-columns: 1fr 1fr;
    }

    .footer-bottom {
        flex-direction: column;
        text-align: center;
    }

    .cta-banner-actions {
        flex-direction: column;
        align-items: center;
    }
}

@media (max-width: 480px) {
    .hero {
        padding: 90px 20px 60px;
    }

    .hero-trust {
        flex-direction: column;
        gap: 16px;
    }

    .hero-trust-divider {
        display: none;
    }

    .btn {
        padding: 12px 22px;
        font-size: 0.9rem;
    }

    .footer-links {
        grid-template-columns: 1fr;
    }
}