/* ========================================================
   VA Mortgage Site — Design Tokens & Components
   ======================================================== */

/* --- Type Scale --- */
:root {
  --text-xs: clamp(0.75rem, 0.7rem + 0.25vw, 0.875rem);
  --text-sm: clamp(0.875rem, 0.8rem + 0.35vw, 1rem);
  --text-base: clamp(1rem, 0.95rem + 0.25vw, 1.125rem);
  --text-lg: clamp(1.125rem, 1rem + 0.75vw, 1.5rem);
  --text-xl: clamp(1.5rem, 1.2rem + 1.25vw, 2.25rem);
  --text-2xl: clamp(2rem, 1.2rem + 2.5vw, 3.5rem);
  --text-3xl: clamp(2.5rem, 1rem + 4vw, 5rem);

  /* --- Spacing (4px base) --- */
  --space-1: 0.25rem;
  --space-2: 0.5rem;
  --space-3: 0.75rem;
  --space-4: 1rem;
  --space-5: 1.25rem;
  --space-6: 1.5rem;
  --space-8: 2rem;
  --space-10: 2.5rem;
  --space-12: 3rem;
  --space-16: 4rem;
  --space-20: 5rem;
  --space-24: 6rem;
  --space-32: 8rem;

  /* --- Fonts --- */
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body: 'Plus Jakarta Sans', 'Inter', sans-serif;

  /* --- Radius --- */
  --radius-sm: 0.375rem;
  --radius-md: 0.5rem;
  --radius-lg: 0.75rem;
  --radius-xl: 1rem;
  --radius-full: 9999px;

  /* --- Transitions --- */
  --transition-interactive: 180ms cubic-bezier(0.16, 1, 0.3, 1);

  /* --- Content widths --- */
  --content-narrow: 640px;
  --content-default: 960px;
  --content-wide: 1200px;
  --content-full: 100%;
}

/* --- Light Mode (default) --- */
:root,
[data-theme='light'] {
  --color-bg: #FAFAF8;
  --color-surface: #FFFFFF;
  --color-surface-2: #F5F5F3;
  --color-surface-offset: #F0EEE9;
  --color-divider: #E2DFD8;
  --color-border: #D4D1CA;

  --color-text: #1A1A2E;
  --color-text-muted: #5A5A6E;
  --color-text-faint: #9A9AAA;
  --color-text-inverse: #FAFAF8;

  /* Primary: Deep Navy */
  --color-primary: #0D2240;
  --color-primary-hover: #162D50;
  --color-primary-active: #0A1A30;
  --color-primary-light: #E8EDF4;

  /* Accent: Gold/Amber */
  --color-accent: #C9A84C;
  --color-accent-hover: #B8973E;
  --color-accent-active: #A68630;
  --color-accent-light: #FBF5E6;

  /* Status */
  --color-success: #2D7A3A;
  --color-success-light: #E8F5EA;
  --color-warning: #B86E00;
  --color-warning-light: #FFF3E0;
  --color-error: #C62828;
  --color-error-light: #FFEBEE;

  --shadow-sm: 0 1px 2px rgba(13, 34, 64, 0.06);
  --shadow-md: 0 4px 12px rgba(13, 34, 64, 0.08);
  --shadow-lg: 0 12px 32px rgba(13, 34, 64, 0.12);
}

/* --- Dark Mode --- */
[data-theme='dark'] {
  --color-bg: #0B1929;
  --color-surface: #0F2035;
  --color-surface-2: #132640;
  --color-surface-offset: #0D1D30;
  --color-divider: #1A3050;
  --color-border: #243D5C;

  --color-text: #E0E4EA;
  --color-text-muted: #8A9AB0;
  --color-text-faint: #5A6A80;
  --color-text-inverse: #0B1929;

  --color-primary: #4A7FBF;
  --color-primary-hover: #5B90CF;
  --color-primary-active: #3A6FAF;
  --color-primary-light: #152A42;

  --color-accent: #D4B85C;
  --color-accent-hover: #E0C870;
  --color-accent-active: #C0A448;
  --color-accent-light: #1E1A0E;

  --color-success: #4CAF50;
  --color-success-light: #0F2A12;
  --color-warning: #FFB74D;
  --color-warning-light: #2A1E0A;
  --color-error: #EF5350;
  --color-error-light: #2A0A0A;

  --shadow-sm: 0 1px 2px rgba(0, 0, 0, 0.3);
  --shadow-md: 0 4px 12px rgba(0, 0, 0, 0.4);
  --shadow-lg: 0 12px 32px rgba(0, 0, 0, 0.5);
}

@media (prefers-color-scheme: dark) {
  :root:not([data-theme]) {
    --color-bg: #0B1929;
    --color-surface: #0F2035;
    --color-surface-2: #132640;
    --color-surface-offset: #0D1D30;
    --color-divider: #1A3050;
    --color-border: #243D5C;
    --color-text: #E0E4EA;
    --color-text-muted: #8A9AB0;
    --color-text-faint: #5A6A80;
    --color-text-inverse: #0B1929;
    --color-primary: #4A7FBF;
    --color-primary-hover: #5B90CF;
    --color-primary-active: #3A6FAF;
    --color-primary-light: #152A42;
    --color-accent: #D4B85C;
    --color-accent-hover: #E0C870;
    --color-accent-active: #C0A448;
    --color-accent-light: #1E1A0E;
    --color-success: #4CAF50;
    --color-success-light: #0F2A12;
    --color-warning: #FFB74D;
    --color-warning-light: #2A1E0A;
    --color-error: #EF5350;
    --color-error-light: #2A0A0A;
    --shadow-sm: 0 1px 2px rgba(0, 0, 0, 0.3);
    --shadow-md: 0 4px 12px rgba(0, 0, 0, 0.4);
    --shadow-lg: 0 12px 32px rgba(0, 0, 0, 0.5);
  }
}

/* ========================================================
   GLOBAL COMPONENTS
   ======================================================== */

/* --- Container --- */
.container {
  max-width: var(--content-wide);
  margin-inline: auto;
  padding-inline: var(--space-4);
}
.container--narrow {
  max-width: var(--content-narrow);
}
.container--default {
  max-width: var(--content-default);
}

/* --- Typography --- */
h1, h2, h3 {
  font-family: var(--font-display);
  color: var(--color-text);
}
h1 {
  font-size: var(--text-2xl);
  font-weight: 700;
  letter-spacing: -0.01em;
}
h2 {
  font-size: var(--text-xl);
  font-weight: 600;
}
h3 {
  font-size: var(--text-lg);
  font-weight: 600;
}

/* --- Skip Link --- */
.skip-link {
  position: absolute;
  top: -100%;
  left: var(--space-4);
  background: var(--color-primary);
  color: var(--color-text-inverse);
  padding: var(--space-2) var(--space-4);
  border-radius: var(--radius-md);
  z-index: 9999;
  text-decoration: none;
  font-size: var(--text-sm);
}
.skip-link:focus {
  top: var(--space-2);
}

/* --- Header/Nav --- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--color-surface);
  border-bottom: 1px solid var(--color-divider);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-block: var(--space-3);
  gap: var(--space-4);
}
.site-logo {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  text-decoration: none;
  color: var(--color-text);
  flex-shrink: 0;
}
.site-logo svg {
  width: 36px;
  height: 36px;
}
.site-logo-text {
  font-family: var(--font-display);
  font-size: var(--text-sm);
  font-weight: 700;
  line-height: 1.2;
  color: #1B6EF3;
}
.site-logo-text span {
  display: block;
  font-family: var(--font-body);
  font-size: var(--text-xs);
  font-weight: 400;
  color: #4a7fb5;
  letter-spacing: 0.04em;
}
[data-theme='dark'] .site-logo-text {
  color: #ffffff;
}
[data-theme='dark'] .site-logo-text span {
  color: #C9A84C;
}

.nav-desktop {
  display: none;
  align-items: center;
  gap: var(--space-6);
}
.nav-desktop a {
  font-size: var(--text-sm);
  font-weight: 500;
  color: var(--color-text-muted);
  text-decoration: none;
  padding: var(--space-1) 0;
  position: relative;
}
.nav-desktop a::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--color-accent);
  transition: width var(--transition-interactive);
}
.nav-desktop a:hover,
.nav-desktop a.active {
  color: var(--color-text);
}
.nav-desktop a:hover::after,
.nav-desktop a.active::after {
  width: 100%;
}

.header-actions {
  display: flex;
  align-items: center;
  gap: var(--space-2);
}

/* Theme toggle */
.theme-toggle {
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-md);
  color: var(--color-text-muted);
}
.theme-toggle:hover {
  background: var(--color-surface-2);
  color: var(--color-text);
}

/* Mobile menu */
.mobile-menu-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md);
  color: var(--color-text);
}
.mobile-menu-btn:hover {
  background: var(--color-surface-2);
}
.nav-mobile {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  right: 0;
  background: var(--color-surface);
  border-bottom: 1px solid var(--color-divider);
  padding: var(--space-4);
  box-shadow: var(--shadow-lg);
}
.nav-mobile.open {
  display: block;
}
.nav-mobile a {
  display: block;
  padding: var(--space-3) var(--space-4);
  color: var(--color-text);
  text-decoration: none;
  font-size: var(--text-base);
  font-weight: 500;
  border-radius: var(--radius-md);
}
.nav-mobile a:hover,
.nav-mobile a.active {
  background: var(--color-primary-light);
  color: var(--color-primary);
}

@media (min-width: 768px) {
  .nav-desktop { display: flex; }
  .mobile-menu-btn { display: none; }
}

/* --- Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  padding: var(--space-3) var(--space-6);
  font-size: var(--text-sm);
  font-weight: 600;
  border-radius: var(--radius-md);
  text-decoration: none;
  border: none;
  cursor: pointer;
  line-height: 1.4;
  min-height: 44px;
}
.btn-primary {
  background: var(--color-primary);
  color: #fff;
}
.btn-primary:hover {
  background: var(--color-primary-hover);
  box-shadow: var(--shadow-md);
}
.btn-primary:active {
  background: var(--color-primary-active);
}
.btn-accent {
  background: var(--color-accent);
  color: #1A1A2E;
}
.btn-accent:hover {
  background: var(--color-accent-hover);
  box-shadow: var(--shadow-md);
}
.btn-accent:active {
  background: var(--color-accent-active);
}
.btn-outline {
  background: transparent;
  color: var(--color-primary);
  border: 1.5px solid var(--color-primary);
}
.btn-outline:hover {
  background: var(--color-primary-light);
}
.btn-ghost {
  background: transparent;
  color: var(--color-text-muted);
}
.btn-ghost:hover {
  background: var(--color-surface-2);
  color: var(--color-text);
}
.btn-lg {
  padding: var(--space-4) var(--space-8);
  font-size: var(--text-base);
}

/* --- Section Spacing --- */
.section {
  padding-block: clamp(var(--space-10), 6vw, var(--space-20));
}
.section--tight {
  padding-block: clamp(var(--space-6), 4vw, var(--space-12));
}

/* --- Section Headings --- */
.section-label {
  font-size: var(--text-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--color-accent);
  margin-bottom: var(--space-2);
}
.section-title {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-weight: 700;
  margin-bottom: var(--space-4);
  color: var(--color-text);
}
.section-subtitle {
  font-size: var(--text-base);
  color: var(--color-text-muted);
  max-width: 60ch;
  line-height: 1.6;
}

/* --- Cards --- */
.card {
  background: var(--color-surface);
  border: 1px solid var(--color-divider);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  transition: box-shadow var(--transition-interactive), transform var(--transition-interactive);
}
.card:hover {
  box-shadow: var(--shadow-md);
}
a.card {
  text-decoration: none;
  color: var(--color-text);
  display: block;
}
a.card:hover {
  transform: translateY(-2px);
}

/* --- Form Elements --- */
.form-group {
  margin-bottom: var(--space-5);
}
.form-label {
  display: block;
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--color-text);
  margin-bottom: var(--space-2);
}
.form-hint {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  margin-top: var(--space-1);
}
.form-input,
.form-select,
.form-textarea {
  width: 100%;
  padding: var(--space-3) var(--space-4);
  font-size: var(--text-base);
  background: var(--color-surface);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  color: var(--color-text);
  min-height: 44px;
}
.form-input:focus,
.form-select:focus,
.form-textarea:focus {
  border-color: var(--color-primary);
  outline: none;
  box-shadow: 0 0 0 3px rgba(13, 34, 64, 0.1);
}
[data-theme='dark'] .form-input:focus,
[data-theme='dark'] .form-select:focus,
[data-theme='dark'] .form-textarea:focus {
  box-shadow: 0 0 0 3px rgba(74, 127, 191, 0.2);
}
.form-textarea {
  min-height: 120px;
  resize: vertical;
}
.form-select {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' fill='%235A5A6E' viewBox='0 0 16 16'%3E%3Cpath d='M4.5 6l3.5 4 3.5-4z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right var(--space-3) center;
  padding-right: var(--space-10);
}

/* --- Radio / Checkbox group --- */
.radio-group,
.checkbox-group {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}
.radio-option,
.checkbox-option {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  padding: var(--space-3) var(--space-4);
  background: var(--color-surface);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  cursor: pointer;
  transition: all var(--transition-interactive);
  min-height: 44px;
}
.radio-option:hover,
.checkbox-option:hover {
  border-color: var(--color-primary);
  background: var(--color-primary-light);
}
.radio-option input:checked + .radio-label,
.checkbox-option input:checked + .checkbox-label {
  font-weight: 600;
}
.radio-option:has(input:checked),
.checkbox-option:has(input:checked) {
  border-color: var(--color-primary);
  background: var(--color-primary-light);
}
input[type="radio"],
input[type="checkbox"] {
  width: 20px;
  height: 20px;
  accent-color: var(--color-primary);
  flex-shrink: 0;
}

/* --- Footer --- */
.site-footer {
  background: var(--color-primary);
  color: rgba(255, 255, 255, 0.85);
  padding: var(--space-12) 0 var(--space-6);
}
[data-theme='dark'] .site-footer {
  background: #060E1A;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-8);
  margin-bottom: var(--space-8);
}
@media (min-width: 768px) {
  .footer-grid {
    grid-template-columns: 2fr 1fr 1fr;
  }
}
.footer-brand {
  max-width: 360px;
}
.footer-brand .site-logo-text {
  color: #fff;
  margin-bottom: var(--space-3);
}
.footer-brand .site-logo-text span {
  color: rgba(255,255,255,0.6);
}
.footer-brand p {
  font-size: var(--text-sm);
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.7);
}
.footer-heading {
  font-family: var(--font-body);
  font-size: var(--text-sm);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-accent);
  margin-bottom: var(--space-4);
}
.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}
.footer-links a {
  color: rgba(255, 255, 255, 0.7);
  text-decoration: none;
  font-size: var(--text-sm);
}
.footer-links a:hover {
  color: #fff;
}
.footer-compliance {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding-top: var(--space-6);
  text-align: center;
}
.footer-compliance p {
  font-size: var(--text-xs);
  color: rgba(255, 255, 255, 0.5);
  line-height: 1.7;
  max-width: 100%;
}
.footer-nmls {
  font-size: var(--text-xs);
  color: rgba(255, 255, 255, 0.65);
  font-weight: 500;
  margin-bottom: var(--space-2);
}

/* --- Hero Section --- */
.hero {
  position: relative;
  overflow: hidden;
  padding: clamp(var(--space-16), 10vw, var(--space-32)) 0;
  background: var(--color-primary);
  color: #fff;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(13, 34, 64, 0.92), rgba(13, 34, 64, 0.65));
  z-index: 1;
}
.hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}
.hero-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.hero .container {
  position: relative;
  z-index: 2;
}
.hero-content {
  max-width: 640px;
}
.hero h1 {
  color: #fff;
  font-size: var(--text-2xl);
  margin-bottom: var(--space-4);
  line-height: 1.1;
}
.hero p {
  font-size: var(--text-lg);
  color: rgba(255, 255, 255, 0.85);
  margin-bottom: var(--space-8);
  max-width: 50ch;
}
.hero-accent {
  color: var(--color-accent);
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-4);
}

/* --- Tool Cards --- */
.tools-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
}
@media (min-width: 640px) {
  .tools-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}
@media (min-width: 1024px) {
  .tools-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}
.tool-card {
  padding: var(--space-8) var(--space-6);
  text-align: left;
}
.tool-card-icon {
  width: 48px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-lg);
  background: var(--color-accent-light);
  color: var(--color-accent);
  margin-bottom: var(--space-4);
}
[data-theme='dark'] .tool-card-icon {
  background: rgba(212, 184, 92, 0.12);
}
.tool-card h3 {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  margin-bottom: var(--space-2);
}
.tool-card p {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  margin-bottom: var(--space-4);
  line-height: 1.6;
}
.tool-card .card-link {
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--color-primary);
  display: inline-flex;
  align-items: center;
  gap: var(--space-1);
}
[data-theme='dark'] .tool-card .card-link {
  color: var(--color-accent);
}

/* --- Testimonials --- */
.testimonials-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
}
@media (min-width: 768px) {
  .testimonials-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}
.testimonial-card {
  padding: var(--space-6);
}
.testimonial-stars {
  color: var(--color-accent);
  margin-bottom: var(--space-3);
  font-size: var(--text-lg);
  letter-spacing: 2px;
}
.testimonial-card blockquote {
  font-size: var(--text-sm);
  color: var(--color-text);
  line-height: 1.7;
  margin-bottom: var(--space-4);
  font-style: italic;
}
.testimonial-author {
  font-size: var(--text-xs);
  font-weight: 600;
  color: var(--color-text);
}
.testimonial-meta {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
}

/* --- Multi-step Form (Analyzer) --- */
.step-indicator {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-1);
  margin-bottom: var(--space-8);
}
.step-dot {
  width: 12px;
  height: 12px;
  border-radius: var(--radius-full);
  background: var(--color-border);
  transition: all var(--transition-interactive);
}
.step-dot.active {
  background: var(--color-primary);
  width: 32px;
}
.step-dot.completed {
  background: var(--color-accent);
}
.step-line {
  width: 32px;
  height: 2px;
  background: var(--color-border);
}
.step-line.completed {
  background: var(--color-accent);
}

.step-panel {
  display: none;
  animation: fadeIn 300ms ease;
}
.step-panel.active {
  display: block;
}
@keyframes fadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

.step-header {
  text-align: center;
  margin-bottom: var(--space-8);
}
.step-header h2 {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  margin-bottom: var(--space-2);
}
.step-header p {
  color: var(--color-text-muted);
  margin-inline: auto;
}

.step-actions {
  display: flex;
  justify-content: space-between;
  gap: var(--space-4);
  margin-top: var(--space-8);
  padding-top: var(--space-6);
  border-top: 1px solid var(--color-divider);
}

/* --- Results Panel --- */
.results-panel {
  border: 2px solid var(--color-accent);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  background: var(--color-surface);
}
.results-header {
  text-align: center;
  margin-bottom: var(--space-8);
}
.results-badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: var(--space-2) var(--space-4);
  border-radius: var(--radius-full);
  font-size: var(--text-sm);
  font-weight: 600;
  margin-bottom: var(--space-4);
}
.results-badge--eligible {
  background: var(--color-success-light);
  color: var(--color-success);
}
.results-badge--verify {
  background: var(--color-warning-light);
  color: var(--color-warning);
}
.results-badge--ineligible {
  background: var(--color-error-light);
  color: var(--color-error);
}

.results-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-4);
  margin-bottom: var(--space-8);
}
@media (min-width: 640px) {
  .results-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}
.result-item {
  background: var(--color-surface-2);
  border-radius: var(--radius-lg);
  padding: var(--space-5);
}
.result-item-label {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  font-weight: 600;
  margin-bottom: var(--space-1);
}
.result-item-value {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-weight: 700;
  color: var(--color-text);
  font-variant-numeric: tabular-nums;
}
.result-item-note {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  margin-top: var(--space-1);
}

.results-explanation {
  background: var(--color-primary-light);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  margin-bottom: var(--space-8);
}
.results-explanation h3 {
  font-family: var(--font-display);
  margin-bottom: var(--space-3);
}
.results-explanation p {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.7;
}

/* --- Contact Capture (optional) --- */
.contact-capture {
  border-top: 1px solid var(--color-divider);
  padding-top: var(--space-8);
  margin-top: var(--space-8);
}
.contact-capture h3 {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  margin-bottom: var(--space-2);
}
.contact-capture > p {
  color: var(--color-text-muted);
  font-size: var(--text-sm);
  margin-bottom: var(--space-6);
}
.capture-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-4);
}
@media (min-width: 640px) {
  .capture-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

/* --- Learn Hub --- */
.articles-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-6);
}
.article-card {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
  cursor: pointer;
}
@media (min-width: 640px) {
  .article-card {
    grid-template-columns: 200px 1fr;
  }
}
.article-thumb {
  border-radius: var(--radius-lg);
  overflow: hidden;
  aspect-ratio: 16/10;
  background: var(--color-surface-2);
}
.article-thumb img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.article-body h3 {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  margin-bottom: var(--space-2);
}
.article-body .article-excerpt {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.7;
  margin-bottom: var(--space-3);
}
.article-body .read-more {
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--color-primary);
  cursor: pointer;
  background: none;
  border: none;
  padding: 0;
}
[data-theme='dark'] .article-body .read-more {
  color: var(--color-accent);
}

/* Article expanded content */
.article-full {
  display: none;
  margin-top: var(--space-4);
  padding-top: var(--space-4);
  border-top: 1px solid var(--color-divider);
}
.article-full.open {
  display: block;
  animation: fadeIn 300ms ease;
}
.article-full p {
  font-size: var(--text-base);
  color: var(--color-text);
  line-height: 1.8;
  margin-bottom: var(--space-4);
  max-width: 65ch;
}
.article-full h4 {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  margin-bottom: var(--space-3);
  margin-top: var(--space-6);
}
.article-full ul {
  padding-left: var(--space-6);
  margin-bottom: var(--space-4);
}
.article-full li {
  font-size: var(--text-base);
  line-height: 1.7;
  margin-bottom: var(--space-2);
  color: var(--color-text);
}

/* --- Contact Page --- */
.contact-section {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-8);
}
@media (min-width: 768px) {
  .contact-section {
    grid-template-columns: 1fr 1fr;
  }
}
.contact-info h2 {
  font-family: var(--font-display);
  margin-bottom: var(--space-4);
}
.contact-info p {
  color: var(--color-text-muted);
  line-height: 1.7;
  margin-bottom: var(--space-6);
}
.contact-detail {
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
  margin-bottom: var(--space-4);
}
.contact-detail-icon {
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--color-primary-light);
  border-radius: var(--radius-md);
  color: var(--color-primary);
  flex-shrink: 0;
}
.contact-detail-text strong {
  display: block;
  font-size: var(--text-sm);
  margin-bottom: var(--space-1);
}
.contact-detail-text span {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
}

/* --- Benefit Bullets --- */
.benefit-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
}
@media (min-width: 768px) {
  .benefit-grid {
    grid-template-columns: 1fr 1fr;
    gap: var(--space-8);
    align-items: center;
  }
}
.benefit-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}
.benefit-list li {
  display: flex;
  gap: var(--space-3);
  align-items: flex-start;
}
.benefit-icon {
  width: 28px;
  height: 28px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--color-accent);
  border-radius: var(--radius-full);
  color: #fff;
  margin-top: 2px;
}
.benefit-text strong {
  display: block;
  font-size: var(--text-base);
  margin-bottom: var(--space-1);
}
.benefit-text p {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.6;
}
.benefit-image {
  border-radius: var(--radius-xl);
  overflow: hidden;
}
.benefit-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  aspect-ratio: 4/3;
}

/* --- Trust Banner --- */
.trust-banner {
  background: var(--color-surface-2);
}
.trust-items {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: var(--space-8);
  text-align: center;
}
.trust-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-2);
}
.trust-number {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-weight: 700;
  color: var(--color-primary);
  font-variant-numeric: tabular-nums;
}
.trust-label {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  font-weight: 600;
}

/* --- Page Header (interior pages) --- */
.page-header {
  background: var(--color-primary);
  color: #fff;
  padding: clamp(var(--space-10), 6vw, var(--space-16)) 0;
  text-align: center;
}
[data-theme='dark'] .page-header {
  background: #0A1525;
}
.page-header h1 {
  color: #fff;
  margin-bottom: var(--space-3);
}
.page-header p {
  color: rgba(255, 255, 255, 0.75);
  font-size: var(--text-base);
  max-width: 55ch;
  margin-inline: auto;
}

/* --- Form success message --- */
.form-success {
  display: none;
  text-align: center;
  padding: var(--space-8);
}
.form-success.show {
  display: block;
  animation: fadeIn 300ms ease;
}
.form-success-icon {
  width: 64px;
  height: 64px;
  background: var(--color-success-light);
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto var(--space-4);
  color: var(--color-success);
}
.form-success h3 {
  font-family: var(--font-display);
  margin-bottom: var(--space-2);
}
.form-success p {
  color: var(--color-text-muted);
  max-width: 100%;
}

/* --- Utility --- */
.text-center { text-align: center; }
.text-left { text-align: left; }
.mx-auto { margin-inline: auto; }
.mb-2 { margin-bottom: var(--space-2); }
.mb-4 { margin-bottom: var(--space-4); }
.mb-6 { margin-bottom: var(--space-6); }
.mb-8 { margin-bottom: var(--space-8); }
.mt-4 { margin-top: var(--space-4); }
.mt-8 { margin-top: var(--space-8); }
.hidden { display: none !important; }

/* ─── LOGO IMAGE STYLES ─── */
.site-logo-img {
  height: 44px;
  width: auto;
  max-width: 240px;
  object-fit: contain;
  border-radius: 4px;
  /* White background so the logo reads clearly on the navy header */
  background: transparent;
  padding: 0;
}

.footer-logo-img {
  height: 32px;
  opacity: 0.9;
}

.footer-compliance-logo {
  height: 40px;
  width: auto;
  background: transparent;
  padding: 0;
  border-radius: 4px;
  margin-bottom: 0.75rem;
  display: block;
}

.footer-logos-row {
  margin-bottom: 0.5rem;
}

/* Footer compliance links */
.footer-compliance a {
  color: var(--color-text-muted);
  text-decoration: underline;
  text-underline-offset: 2px;
}
.footer-compliance a:hover {
  color: var(--color-accent, #C9A84C);
}

/* ─── NAME TEXT NEXT TO NAV LOGO ─── */
.site-logo {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  text-decoration: none;
  color: inherit;
}

.site-logo .site-logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.2;
  font-size: var(--text-sm);
  font-weight: 700;
  color: #1B6EF3;
}

.site-logo .site-logo-text span {
  font-size: var(--text-xs);
  font-weight: 400;
  color: #4a7fb5;
  letter-spacing: 0.02em;
}

[data-theme='dark'] .site-logo .site-logo-text {
  color: #ffffff;
}

[data-theme='dark'] .site-logo .site-logo-text span {
  color: #C9A84C;
}

/* ─── TCPA DISCLOSURE ─── */
.tcpa-group {
  margin-top: var(--space-4);
}

.tcpa-label {
  display: flex;
  gap: var(--space-3);
  align-items: flex-start;
  cursor: pointer;
}

.tcpa-checkbox {
  flex-shrink: 0;
  width: 18px;
  height: 18px;
  margin-top: 2px;
  accent-color: var(--color-primary);
  cursor: pointer;
}

.tcpa-text {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  line-height: 1.6;
}

.tcpa-label:hover .tcpa-text {
  color: var(--color-text);
}

/* ─── STATE LICENSE LINE ─── */
.footer-licenses {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  margin-top: var(--space-1);
  line-height: 1.7;
}

/* ─── SHARE BUTTONS ─── */
.btn-battle-buddy {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: var(--space-3) var(--space-6);
  background: var(--color-accent, #C9A84C);
  color: #fff;
  font-weight: 700;
  border: none;
  border-radius: var(--radius-full, 9999px);
  font-size: var(--text-sm);
  cursor: pointer;
  transition: opacity 0.2s, transform 0.15s;
  letter-spacing: 0.01em;
}
.btn-battle-buddy:hover {
  opacity: 0.9;
  transform: translateY(-1px);
}

.battle-buddy-section {
  background: var(--color-surface);
  border-top: 1px solid var(--color-divider);
}
.battle-buddy-prompt {
  font-size: var(--text-base);
  color: var(--color-text-muted);
  margin-bottom: var(--space-4);
  font-weight: 500;
}

/* ─── CALENDLY NUDGE ─── */
.calendly-nudge {
  border-top: 1px solid var(--color-divider);
  padding-top: var(--space-5);
  margin-top: var(--space-2);
}
.calendly-label {
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--color-text);
  margin-bottom: var(--space-3);
}
.calendly-btn {
  display: inline-flex;
  align-items: center;
  width: 100%;
  justify-content: center;
  padding: var(--space-3) var(--space-5);
  border-color: var(--color-primary);
  color: var(--color-primary);
  font-weight: 600;
}
.calendly-btn:hover {
  background: var(--color-primary);
  color: #fff;
}
.calendly-sub {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  margin-top: var(--space-2);
  text-align: center;
}

/* ─── AGENT CO-BRAND BANNER ─── */
.cobrand-banner {
  background: linear-gradient(135deg, #1B3F7A 0%, #0D2240 100%);
  border-bottom: 2px solid var(--color-accent, #C9A84C);
  padding: var(--space-3) 0;
  position: relative;
  z-index: 90;
}

.cobrand-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 var(--space-6);
  display: flex;
  align-items: center;
  gap: var(--space-4);
  flex-wrap: wrap;
}

.cobrand-avatar {
  flex-shrink: 0;
}

.cobrand-photo {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--color-accent, #C9A84C);
}

.cobrand-initials {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--color-accent, #C9A84C);
  color: #0D2240;
  font-weight: 800;
  font-size: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  letter-spacing: 0.03em;
}

.cobrand-text {
  display: flex;
  flex-direction: column;
  gap: 1px;
  flex: 1;
  min-width: 160px;
}

.cobrand-intro {
  font-size: 10px;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--color-accent, #C9A84C);
  font-weight: 600;
}

.cobrand-name {
  color: #ffffff;
  font-size: var(--text-sm);
  font-weight: 700;
}

.cobrand-detail {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.65);
}

.cobrand-message {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.75);
  font-style: italic;
  border-left: 2px solid rgba(201,168,76,0.4);
  padding-left: var(--space-3);
  flex: 2;
  min-width: 200px;
  line-height: 1.5;
}

.cobrand-hero-tag {
  display: inline-block;
  font-style: normal;
  font-size: var(--text-xs);
  font-weight: 600;
  background: rgba(201,168,76,0.2);
  color: var(--color-accent, #C9A84C);
  border: 1px solid rgba(201,168,76,0.4);
  border-radius: var(--radius-full, 9999px);
  padding: 2px 10px;
  margin-right: 6px;
  vertical-align: middle;
  letter-spacing: 0.02em;
}

@media (max-width: 640px) {
  .cobrand-message { display: none; }
  .cobrand-inner { gap: var(--space-3); }
}