/* ============================================================
   SNAP THAT LOAN — Main Stylesheet
   Brand: Navy #384969 | Beige #C5B9AC | White #FFFFFF
   Font: Jost (Neutraface alternative)
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@300;400;500;600;700;800;900&display=swap');

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

:root {
  --navy:       #384969;
  --navy-dark:  #263348;
  --navy-light: #4a5f80;
  --beige:      #C5B9AC;
  --beige-light:#EDE8E3;
  --beige-pale: #F8F5F2;
  --white:      #FFFFFF;
  --text-dark:  #1E2832;
  --text-mid:   #4a5568;
  --text-light: #8896a5;
  --radius:     6px;
  --radius-lg:  14px;
  --shadow:     0 4px 24px rgba(56,73,105,0.10);
  --shadow-lg:  0 12px 48px rgba(56,73,105,0.16);
  --transition: all 0.3s ease;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Montserrat', sans-serif;
  font-weight: 300;
  font-size: 17px;
  line-height: 1.75;
  color: var(--text-dark);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5 {
  font-weight: 700;
  line-height: 1.2;
  letter-spacing: -0.01em;
  color: var(--navy-dark);
}

h1 { font-size: clamp(2.4rem, 5vw, 4rem); }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.8rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); }
h4 { font-size: 1.1rem; font-weight: 600; }

p { margin-bottom: 1rem; color: var(--text-mid); }
a { color: var(--navy); text-decoration: none; transition: var(--transition); }
a:hover { color: var(--beige); }
img { max-width: 100%; height: auto; display: block; }
ul { list-style: none; }

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

/* ── BUTTONS ──────────────────────────────────────────────── */
.btn {
  display: inline-block;
  padding: 14px 36px;
  border-radius: var(--radius);
  font-family: 'Montserrat', sans-serif;
  font-size: 0.95rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  cursor: pointer;
  border: 2px solid transparent;
  transition: var(--transition);
  text-align: center;
}

.btn-primary {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-primary:hover {
  background: var(--navy-dark);
  border-color: var(--navy-dark);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(56,73,105,0.28);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.7);
}
.btn-outline:hover {
  background: var(--white);
  color: var(--navy);
  border-color: var(--white);
  transform: translateY(-2px);
}

.btn-outline-navy {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline-navy:hover {
  background: var(--navy);
  color: var(--white);
  transform: translateY(-2px);
}

/* ── NAVIGATION ───────────────────────────────────────────── */
.nav {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: #ffffff;
  border-bottom: 1px solid var(--beige-light);
  box-shadow: 0 2px 16px rgba(56,73,105,0.06);
  transition: background 0.3s ease, box-shadow 0.3s ease;
}
.nav.scrolled {
  background: rgba(255,255,255,0.94);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 86px;
  padding: 0 48px;
  max-width: 100%;
  gap: 0;
}

/* Brand: home icon + wordmark + subtitle — sits to the left */
.nav-brand {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-right: auto;
  padding-left: 20px;
}

/* ── HOME ICON BUTTON ─────────────────────────────────────── */
.nav-home-btn {
  width: 36px;
  height: 36px;
  background: var(--beige-pale);
  border: 1px solid var(--beige-light);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  cursor: pointer;
  text-decoration: none;
  transition: var(--transition);
}
.nav-home-btn:hover {
  background: var(--beige-light);
  border-color: var(--beige);
}

/* ── WORDMARK ─────────────────────────────────────────────── */
.nav-wordmark-wrap {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
  text-decoration: none;
}
.nav-wordmark {
  display: flex;
  align-items: baseline;
  font-family: 'Montserrat', sans-serif;
  line-height: 1;
}
.wm-sn {
  font-size: 30px;
  font-weight: 900;
  color: var(--navy);
  letter-spacing: -0.01em;
}
.wm-house {
  display: inline-flex;
  align-items: flex-end;
  margin: 0;
}
.wm-p {
  font-size: 30px;
  font-weight: 900;
  color: var(--navy);
  letter-spacing: -0.01em;
}
.wm-that {
  font-size: 10px;
  font-weight: 700;
  color: var(--beige);
  letter-spacing: 0.2em;
  text-transform: uppercase;
  margin: 0 9px;
  align-self: center;
  font-family: 'Montserrat', sans-serif;
}
.wm-loan {
  font-size: 30px;
  font-weight: 900;
  color: var(--navy);
  letter-spacing: -0.01em;
}
.wm-subtitle {
  font-size: 8px;
  font-weight: 600;
  color: var(--beige);
  letter-spacing: 0.22em;
  text-transform: uppercase;
  font-family: 'Montserrat', sans-serif;
  line-height: 1.55;
}

/* ── NAV LINKS ────────────────────────────────────────────── */
.nav-links {
  display: flex;
  align-items: center;
  gap: 28px;
}
.nav-links a {
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--navy);
  font-family: 'Montserrat', sans-serif;
  position: relative;
}
.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -3px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--beige);
  transition: width 0.3s ease;
}
.nav-links a:hover::after,
.nav-links a.active::after { width: 100%; }

.nav-cta { margin-left: 8px; }
.nav-cta,
.nav-cta:hover { color: var(--white) !important; }

.hamburger {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  flex-direction: column;
  gap: 5px;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  transition: var(--transition);
}

.mobile-menu {
  display: none;
  position: fixed;
  inset: 86px 0 0 0;
  background: var(--white);
  z-index: 999;
  padding: 32px 24px;
  flex-direction: column;
  gap: 24px;
}
.mobile-menu.open { display: flex; }
.mobile-menu a {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy-dark);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 12px 0;
  border-bottom: 1px solid var(--beige-light);
  font-family: 'Montserrat', sans-serif;
}

/* ── SECTION SPACING ──────────────────────────────────────── */
.section { padding: 96px 0; }
.section-sm { padding: 64px 0; }
.section-navy { background: var(--navy); color: var(--white); }
.section-navy h1, .section-navy h2, .section-navy h3 { color: var(--white); }
.section-navy p { color: rgba(255,255,255,0.82); }
.section-beige { background: var(--beige-pale); }
.section-beige-mid { background: var(--beige-light); }

.section-label {
  display: block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--beige);
  margin-bottom: 14px;
}
.section-navy .section-label { color: var(--beige); }
.section-title { margin-bottom: 20px; }
.section-subtitle {
  font-size: 1.1rem;
  color: var(--text-mid);
  max-width: 640px;
  line-height: 1.7;
}
.centered { text-align: center; }
.centered .section-subtitle { margin: 0 auto; }

/* ── HERO ─────────────────────────────────────────────────── */
.hero {
  background: var(--navy);
  padding: 120px 0 96px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -30%;
  right: -10%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(197,185,172,0.12) 0%, transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -20%;
  left: -5%;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(197,185,172,0.08) 0%, transparent 70%);
  pointer-events: none;
}
.hero-inner {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 64px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-content h1 {
  color: var(--white);
  font-size: clamp(2.6rem, 5vw, 4.2rem);
  margin-bottom: 22px;
  line-height: 1.1;
}
.hero-content h1 span { color: var(--beige); }
.hero-subtitle {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.80);
  margin-bottom: 40px;
  max-width: 520px;
  line-height: 1.75;
}
.hero-btns {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}
.hero-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(197,185,172,0.25);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  backdrop-filter: blur(8px);
}
.hero-card-title {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--beige);
  margin-bottom: 20px;
}
.hero-stat {
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.hero-stat-item {}
.hero-stat-number {
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--white);
  line-height: 1;
  margin-bottom: 4px;
}
.hero-stat-label {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.65);
  font-weight: 300;
}
.hero-stat-divider {
  height: 1px;
  background: rgba(197,185,172,0.2);
}

/* ── TRUST BAR ────────────────────────────────────────────── */
.trust-bar {
  background: var(--navy-dark);
  padding: 22px 0;
}
.trust-bar-inner {
  display: flex;
  justify-content: center;
  gap: 56px;
  align-items: center;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  color: rgba(255,255,255,0.80);
  font-size: 0.88rem;
  font-weight: 400;
  letter-spacing: 0.04em;
}
.trust-item svg { color: var(--beige); flex-shrink: 0; }

/* ── WHY SNAP THAT LOAN ───────────────────────────────────── */
.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-top: 56px;
}
.why-card {
  padding: 40px 32px;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  border-top: 3px solid var(--beige);
  transition: var(--transition);
}
.why-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-top-color: var(--navy);
}
.why-icon {
  width: 52px;
  height: 52px;
  background: var(--beige-light);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 22px;
  color: var(--navy);
}
.why-card h3 { margin-bottom: 12px; font-size: 1.2rem; }

/* ── SERVICES ─────────────────────────────────────────────── */
.services-intro {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
  margin-bottom: 72px;
}
.services-tabs {
  display: flex;
  gap: 8px;
  margin-bottom: 40px;
}
.tab-btn {
  padding: 10px 28px;
  border-radius: 100px;
  border: 2px solid var(--beige-light);
  background: transparent;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.88rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  cursor: pointer;
  transition: var(--transition);
  color: var(--text-mid);
}
.tab-btn.active, .tab-btn:hover {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}
.tab-content { display: none; }
.tab-content.active { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 24px; }

.service-card {
  background: var(--white);
  border: 1px solid var(--beige-light);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--beige);
  transition: background 0.3s ease;
}
.service-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); }
.service-card:hover::before { background: var(--navy); }
.service-card h4 { margin-bottom: 14px; color: var(--navy-dark); }
.service-card ul li {
  font-size: 0.9rem;
  color: var(--text-mid);
  padding: 5px 0;
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-weight: 300;
}
.service-card ul li::before {
  content: '—';
  color: var(--beige);
  font-weight: 400;
  flex-shrink: 0;
  margin-top: 1px;
}

/* ── APP TEASER ───────────────────────────────────────────── */
.app-teaser-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.app-teaser-visual {
  background: var(--beige-light);
  border-radius: var(--radius-lg);
  height: 380px;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}
.app-mockup {
  width: 180px;
  height: 320px;
  background: var(--navy);
  border-radius: 24px;
  border: 6px solid var(--navy-dark);
  position: relative;
  box-shadow: 0 24px 64px rgba(56,73,105,0.35);
}
.app-mockup::before {
  content: '';
  position: absolute;
  top: 12px; left: 50%; transform: translateX(-50%);
  width: 50px; height: 5px;
  background: rgba(255,255,255,0.2);
  border-radius: 4px;
}
.app-mockup-screen {
  position: absolute;
  inset: 24px 10px 16px;
  background: linear-gradient(160deg, #4a5f80 0%, #263348 100%);
  border-radius: 12px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  padding: 16px 12px;
  gap: 10px;
}
.app-bar { height: 8px; background: rgba(197,185,172,0.4); border-radius: 4px; }
.app-bar:nth-child(2) { width: 70%; }
.app-bar:nth-child(3) { width: 85%; }
.app-card-mini {
  background: rgba(255,255,255,0.08);
  border-radius: 8px;
  height: 60px;
  margin-top: 6px;
}
.app-card-mini + .app-card-mini { height: 44px; }
.app-badge {
  position: absolute;
  top: 24px; right: -16px;
  background: var(--beige);
  color: var(--navy-dark);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 8px 14px;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  white-space: nowrap;
}
.app-badge-bottom {
  position: absolute;
  bottom: 40px; left: -20px;
  background: var(--navy-dark);
  color: var(--white);
  font-size: 0.72rem;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  white-space: nowrap;
}
.app-teaser-content h2 { margin-bottom: 18px; }
.app-features { margin: 28px 0 36px; display: flex; flex-direction: column; gap: 16px; }
.app-feature {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}
.app-feature-icon {
  width: 36px;
  height: 36px;
  background: var(--beige-light);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--navy);
}
.app-feature-text h5 { font-size: 0.92rem; margin-bottom: 2px; }
.app-feature-text p { font-size: 0.88rem; margin: 0; }

/* ── BLOG PREVIEW ─────────────────────────────────────────── */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-top: 56px;
}
.blog-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: var(--transition);
}
.blog-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.blog-card-img {
  height: 200px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--beige);
  font-size: 2.5rem;
}
.blog-card-body { padding: 28px 26px; }
.blog-tag {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--navy);
  background: var(--beige-light);
  padding: 4px 12px;
  border-radius: 100px;
  margin-bottom: 14px;
}
.blog-card h4 { margin-bottom: 10px; font-size: 1.05rem; line-height: 1.45; }
.blog-card p { font-size: 0.9rem; margin-bottom: 18px; }
.blog-card-link {
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  color: var(--navy);
  text-transform: uppercase;
  display: flex;
  align-items: center;
  gap: 6px;
}
.blog-card-link:hover { color: var(--beige); gap: 10px; }

/* ── CONTACT ──────────────────────────────────────────────── */
.contact-inner {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 80px;
  align-items: start;
}
.contact-info h2 { margin-bottom: 18px; }
.contact-info p { margin-bottom: 28px; }
.contact-details { margin-top: 36px; display: flex; flex-direction: column; gap: 18px; }
.contact-detail {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}
.contact-detail-icon {
  width: 40px; height: 40px;
  background: var(--beige-light);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  color: var(--navy);
}
.contact-detail-text { font-size: 0.92rem; color: var(--text-mid); }
.contact-detail-text strong { display: block; color: var(--text-dark); font-weight: 600; margin-bottom: 2px; font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.06em; }

.contact-form-wrap {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 48px 44px;
}
.form-title {
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--navy-dark);
  margin-bottom: 28px;
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-group { margin-bottom: 18px; }
.form-group label {
  display: block;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-mid);
  margin-bottom: 8px;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--beige-light);
  border-radius: var(--radius);
  font-family: 'Montserrat', sans-serif;
  font-size: 0.95rem;
  font-weight: 300;
  color: var(--text-dark);
  background: var(--beige-pale);
  transition: var(--transition);
  outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--navy);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(56,73,105,0.08);
}
.form-group textarea { min-height: 120px; resize: vertical; }
.form-note { font-size: 0.82rem; color: var(--text-light); margin-top: 12px; text-align: center; }
.form-success {
  display: none;
  background: #e8f5e9;
  border: 1px solid #a5d6a7;
  color: #2e7d32;
  padding: 16px 20px;
  border-radius: var(--radius);
  font-size: 0.9rem;
  margin-bottom: 18px;
}

/* ── FOOTER ───────────────────────────────────────────────── */
.footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.75);
  padding: 72px 0 32px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.8fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 56px;
}
.footer-brand img { height: auto; max-height: 52px; max-width: 260px; width: auto; display: block; margin-bottom: 18px; object-fit: contain; }
.footer-brand p { font-size: 0.88rem; line-height: 1.7; max-width: 280px; }
.footer-col h5 {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--beige);
  margin-bottom: 20px;
}
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li a {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.65);
  font-weight: 300;
}
.footer-col ul li a:hover { color: var(--white); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 28px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.82rem;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-disclaimer { font-size: 0.78rem; color: rgba(255,255,255,0.4); margin-top: 20px; line-height: 1.6; }

/* ── PAGE HERO (inner pages) ──────────────────────────────── */
.page-hero {
  background: var(--navy);
  padding: 80px 0 72px;
}
.page-hero h1 { color: var(--white); }
.page-hero .section-label { display: block; margin-bottom: 12px; }
.breadcrumb {
  display: flex;
  gap: 10px;
  align-items: center;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.55);
  margin-bottom: 20px;
}
.breadcrumb a { color: rgba(255,255,255,0.55); }
.breadcrumb a:hover { color: var(--white); }
.breadcrumb span { color: rgba(255,255,255,0.3); }

/* ── DESKTOP vs MOBILE SECTION VISIBILITY ─────────────────── */
/* Mobile CTA button: hidden on desktop, shown on mobile */
.mobile-cta-section { display: none; }

/* Desktop contact form: shown on desktop, hidden on mobile */
.desktop-contact-section { display: block; }

/* ── RESPONSIVE — TABLET (max 1024px) ─────────────────────── */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-card { display: none; }
  .services-intro { grid-template-columns: 1fr; gap: 40px; }
  .app-teaser-inner { grid-template-columns: 1fr; }
  .app-teaser-visual { display: none; }
  .contact-inner { grid-template-columns: 1fr; gap: 48px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .why-grid { grid-template-columns: 1fr 1fr; }
  .blog-grid { grid-template-columns: 1fr 1fr; }
}

/* ── RESPONSIVE — MOBILE (max 768px) ──────────────────────── */
@media (max-width: 768px) {

  /* Navigation */
  .nav-links { display: none; }
  .nav-cta { display: none; }
  .hamburger { display: flex; }
  .nav-inner { padding: 0 18px; height: 72px; }
  .nav-home-btn { margin-right: 12px; width: 32px; height: 32px; }
  .wm-sn, .wm-p, .wm-loan { font-size: 20px; }
  .wm-that { font-size: 8px; margin: 0 6px; }
  .wm-house svg { width: 15px; height: 20px; }
  .wm-subtitle { font-size: 6.5px; letter-spacing: 0.2em; }
  .nav-brand > div:last-child { gap: 10px; }
  .nav-brand > div:last-child > div:first-child { height: 22px; }
  .mobile-menu { inset: 72px 0 0 0; }

  /* Typography */
  h1 { font-size: clamp(1.9rem, 8vw, 2.8rem); }
  h2 { font-size: clamp(1.5rem, 6vw, 2rem); }
  h3 { font-size: 1.15rem; }

  /* Sections */
  .section { padding: 56px 0; }
  .section-sm { padding: 44px 0; }
  .container { padding: 0 18px; }

  /* Hero */
  .hero { padding: 72px 0 64px; }
  .hero-content h1 { font-size: clamp(2rem, 8vw, 3rem); }
  .hero-subtitle { font-size: 1rem; }
  .hero-btns { flex-direction: column; gap: 12px; }
  .hero-btns .btn { width: 100%; text-align: center; }

  /* Trust bar */
  .trust-bar-inner {
    flex-direction: column;
    gap: 14px;
    align-items: flex-start;
    padding: 0 18px;
  }

  /* Why grid */
  .why-grid { grid-template-columns: 1fr; gap: 20px; }
  .why-card { padding: 28px 24px; }

  /* Services tabs */
  .services-tabs { flex-wrap: wrap; gap: 8px; }
  .tab-btn { font-size: 0.82rem; padding: 8px 18px; }
  .tab-content.active { grid-template-columns: 1fr; }

  /* Blog */
  .blog-grid { grid-template-columns: 1fr; gap: 20px; }

  /* App teaser */
  .app-teaser-inner { grid-template-columns: 1fr; }
  .app-features { gap: 14px; }

  /* Contact */
  .contact-inner { grid-template-columns: 1fr; gap: 36px; }
  .contact-form-wrap { padding: 28px 20px; }
  .form-row { grid-template-columns: 1fr; gap: 0; }

  /* Footer */
  .footer { padding: 52px 0 28px; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; gap: 8px; font-size: 0.78rem; }

  /* Page hero */
  .page-hero { padding: 52px 0 44px; }
  .page-hero h1 { font-size: clamp(1.7rem, 7vw, 2.4rem); }

  /* Inline grids used throughout pages */
  [style*="grid-template-columns: 1fr 1fr"],
  [style*="grid-template-columns:1fr 1fr"],
  [style*="grid-template-columns: 1fr 1.3fr"],
  [style*="grid-template-columns:1fr 1.3fr"],
  [style*="grid-template-columns: 1fr 1.8fr"],
  [style*="grid-template-columns:1fr 1.8fr"] {
    grid-template-columns: 1fr !important;
    gap: 32px !important;
  }

  /* Article body */
  .article-body h2 { font-size: 1.35rem; margin: 32px 0 12px; }
  .article-body h3 { font-size: 1.05rem; }

  /* Buttons — full width on mobile for CTAs */
  .section-navy .btn,
  .page-hero .btn { width: 100%; text-align: center; max-width: 340px; }

  /* Footer brand — ensure CoPilot logo shows on mobile */
  .footer-brand { padding-bottom: 8px; }
  .footer-brand img { display: block !important; visibility: visible !important; }

  /* Mobile menu — improved spacing and Send Us a Message CTA */
  .mobile-menu { padding: 24px 18px; gap: 0; }
  .mobile-menu a {
    font-size: 1rem;
    padding: 14px 0;
    border-bottom: 1px solid var(--beige-light);
    display: block;
  }
  .mobile-menu a:last-child { border-bottom: none; }

  /* Show mobile CTA, hide desktop form section */
  .mobile-cta-section { display: block; }
  .desktop-contact-section { display: none; }

  /* App teaser — compact visual card on mobile */
  .app-teaser-inner {
    grid-template-columns: 1fr !important;
    gap: 0 !important;
  }
  .app-teaser-visual {
    display: flex !important;
    height: 220px;
    border-radius: var(--radius-lg) var(--radius-lg) 0 0;
    justify-content: center;
    align-items: center;
    background: var(--navy-dark);
    position: relative;
    overflow: hidden;
  }
  .app-teaser-content {
    background: rgba(255,255,255,0.04);
    border-radius: 0 0 var(--radius-lg) var(--radius-lg);
    padding: 28px 24px 32px;
  }
  .app-mockup {
    width: 100px;
    height: 175px;
    border-width: 4px;
    border-radius: 18px;
  }
  .app-mockup-screen { border-radius: 10px; }
  .app-features { gap: 12px; }
  .app-feature-icon { width: 30px; height: 30px; flex-shrink: 0; }
}

/* ── RESPONSIVE — SMALL MOBILE (max 480px) ────────────────── */
@media (max-width: 480px) {
  .wm-sn, .wm-p, .wm-loan { font-size: 17px; }
  .wm-that { font-size: 7px; margin: 0 5px; }
  .wm-house svg { width: 13px; height: 17px; }
  .wm-subtitle { display: none; }
  .nav-brand > div:last-child { display: none; }
  .hero { padding: 56px 0 52px; }
  .why-card { padding: 24px 20px; }
  .contact-form-wrap { padding: 24px 16px; }
  .btn { padding: 13px 24px; font-size: 0.85rem; }
  .services-tabs { gap: 6px; }
  .tab-btn { padding: 8px 14px; font-size: 0.8rem; }
}