/* =========================================================================
   Ross Mortgage Company — Global Stylesheet
   Design-system tokens, base typography, shared components only.
   Page-specific styles live in each page's own <style> block.
   ========================================================================= */

/* -------------------------------------------------------------------------
   1. Design tokens
   ------------------------------------------------------------------------- */
:root {
  /* Brand palette */
  --navy: #16425B;
  --blue: #3A7CA5;
  --light-blue: #F4F8FB;
  --mid-blue: #daeaf5;
  --text: #1A1A1A;
  --muted: #6B7280;
  --border: #E5EAF0;
  --white: #ffffff;

  /* Derived shades (hover / depth) */
  --navy-dark: #0f2f43;
  --blue-dark: #2f6688;

  /* Typography */
  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  --fs-base: 15px;
  --lh-base: 1.6;

  /* Layout */
  --container: 1180px;
  --gutter: 24px;
  --radius: 8px;
  --radius-sm: 6px;
  --radius-lg: 14px;

  /* Elevation */
  --shadow-sm: 0 1px 2px rgba(16, 42, 67, 0.06);
  --shadow-md: 0 4px 16px rgba(16, 42, 67, 0.10);
  --shadow-lg: 0 18px 48px rgba(16, 42, 67, 0.22);

  /* Motion */
  --ease: 0.2s ease;
}

/* -------------------------------------------------------------------------
   2. Reset / base
   ------------------------------------------------------------------------- */
*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
}

/* Offset anchored sections so the sticky nav doesn't cover them */
:target {
  scroll-margin-top: 90px;
}

body {
  margin: 0;
  font-family: var(--font);
  font-size: var(--fs-base);
  line-height: var(--lh-base);
  color: var(--text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* Lock scroll while the modal is open */
body.modal-open {
  overflow: hidden;
}

img,
svg {
  max-width: 100%;
  display: block;
}

a {
  color: var(--blue);
  text-decoration: none;
  transition: color var(--ease);
}

a:hover {
  color: var(--blue-dark);
}

button {
  font-family: inherit;
  cursor: pointer;
}

[hidden] {
  display: none !important;
}

/* -------------------------------------------------------------------------
   3. Typography
   ------------------------------------------------------------------------- */
h1,
h2,
h3,
h4,
h5,
h6 {
  margin: 0 0 0.5em;
  color: var(--navy);
  font-weight: 700;
  line-height: 1.2;
  letter-spacing: -0.3px;
}

h1 {
  font-size: clamp(1.75rem, 5vw, 3rem); /* ~28px mobile → 48px desktop */
  letter-spacing: -0.5px;
}

h2 {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  letter-spacing: -0.4px;
}

h3 {
  font-size: 1.3rem;
}

h4 {
  font-size: 1.05rem;
}

p {
  margin: 0 0 1em;
}

p:last-child {
  margin-bottom: 0;
}

strong {
  font-weight: 600;
}

/* Eyebrow / label */
.eyebrow {
  display: inline-block;
  margin: 0 0 0.75em;
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--blue);
}

/* -------------------------------------------------------------------------
   4. Layout helpers
   ------------------------------------------------------------------------- */
.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: var(--gutter);
}

.visually-hidden {
  position: absolute !important;
  width: 1px;
  height: 1px;
  margin: -1px;
  padding: 0;
  border: 0;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
}

/* -------------------------------------------------------------------------
   5. Buttons
   ------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.4em;
  min-height: 44px;            /* min tap target on touch devices */
  padding: 0.72em 1.4em;
  border: 1px solid transparent;
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  font-weight: 600;
  line-height: 1;
  text-align: center;
  white-space: nowrap;
  transition: background var(--ease), color var(--ease), border-color var(--ease), transform var(--ease), box-shadow var(--ease);
}

.btn:active {
  transform: translateY(1px);
}

.btn:focus-visible {
  outline: 2px solid var(--blue);
  outline-offset: 2px;
}

.btn--primary {
  background: var(--blue);
  color: var(--white);
  box-shadow: var(--shadow-sm);
}

.btn--primary:hover {
  background: var(--blue-dark);
  color: var(--white);
}

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

.btn--secondary:hover {
  background: var(--light-blue);
  border-color: var(--mid-blue);
  color: var(--navy);
}

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

.btn--navy:hover {
  background: var(--navy-dark);
  color: var(--white);
}

.btn--ghost {
  background: transparent;
  color: var(--navy);
}

.btn--ghost:hover {
  background: var(--light-blue);
  color: var(--navy);
}

.btn--block {
  width: 100%;
}

.btn--lg {
  padding: 0.9em 1.8em;
  font-size: 1rem;
}

.btn[disabled] {
  opacity: 0.6;
  cursor: not-allowed;
}

/* -------------------------------------------------------------------------
   6. Forms
   ------------------------------------------------------------------------- */
.field {
  margin-bottom: 1rem;
}

.field:last-child {
  margin-bottom: 0;
}

label {
  display: block;
  margin-bottom: 0.4em;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
}

input,
select,
textarea {
  width: 100%;
  min-height: 44px;            /* comfortable tap target (Apple/Google ≥44px) */
  padding: 0.7em 0.85em;
  font-family: inherit;
  font-size: 16px;             /* 16px stops iOS from auto-zooming on focus */
  color: var(--text);
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  transition: border-color var(--ease), box-shadow var(--ease);
  -webkit-appearance: none;
  appearance: none;
}

input::placeholder,
textarea::placeholder {
  color: var(--muted);
}

input:focus,
select:focus,
textarea:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(58, 124, 165, 0.15);
}

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

/* -------------------------------------------------------------------------
   7. Compliance bar
   ------------------------------------------------------------------------- */
.compliance {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.85);
}

.compliance__inner {
  max-width: var(--container);
  margin-inline: auto;
  padding: 7px var(--gutter);
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.01em;
  text-align: center;
}

/* -------------------------------------------------------------------------
   8. Navigation
   ------------------------------------------------------------------------- */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--white);
  border-bottom: 1px solid var(--border);
}

.nav__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  max-width: var(--container);
  margin-inline: auto;
  padding: 0.85rem var(--gutter);
}

.nav__logo {
  display: inline-flex;
  align-items: baseline;
  gap: 0.35em;
  color: var(--navy);
  font-size: 1.25rem;
  font-weight: 700;
  letter-spacing: -0.4px;
  line-height: 1;
}

.nav__logo:hover {
  color: var(--navy);
}

.nav__logo-sub {
  font-weight: 500;
  color: var(--blue);
}

.nav__menu {
  display: flex;
  align-items: center;
  gap: 1.75rem;
}

.nav__link {
  position: relative;
  color: var(--navy);
  font-size: 0.95rem;
  font-weight: 500;
  padding: 0.35rem 0;
}

.nav__link::after {
  content: '';
  position: absolute;
  left: 0;
  bottom: -2px;
  width: 0;
  height: 2px;
  background: var(--blue);
  transition: width var(--ease);
}

.nav__link:hover {
  color: var(--blue);
}

.nav__link:hover::after,
.nav__link.is-active::after {
  width: 100%;
}

.nav__link.is-active {
  color: var(--blue);
}

.nav__cta {
  margin-left: 0.5rem;
}

/* Hamburger (mobile only) */
.nav__toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 44px;
  height: 44px;
  padding: 0;
  background: transparent;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
}

.nav__toggle span {
  display: block;
  width: 20px;
  height: 2px;
  margin-inline: auto;
  background: var(--navy);
  border-radius: 2px;
  transition: transform var(--ease), opacity var(--ease);
}

.nav__toggle[aria-expanded='true'] span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.nav__toggle[aria-expanded='true'] span:nth-child(2) {
  opacity: 0;
}

.nav__toggle[aria-expanded='true'] span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

@media (max-width: 860px) {
  .nav__toggle {
    display: flex;
  }

  .nav__menu {
    position: absolute;
    left: 0;
    right: 0;
    top: 100%;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 0.5rem var(--gutter) 1.25rem;
    background: var(--white);
    border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow-md);
    transform: translateY(-8px);
    opacity: 0;
    pointer-events: none;
    transition: opacity var(--ease), transform var(--ease);
  }

  .nav__menu.is-open {
    transform: translateY(0);
    opacity: 1;
    pointer-events: auto;
  }

  .nav__link {
    padding: 0.85rem 0;
    border-bottom: 1px solid var(--border);
  }

  .nav__link::after {
    display: none;
  }

  .nav__cta {
    margin: 1rem 0 0;
    width: 100%;
  }
}

/* -------------------------------------------------------------------------
   9. Footer
   ------------------------------------------------------------------------- */
.footer {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.78);
  font-size: 0.875rem;
}

.footer__inner {
  max-width: var(--container);
  margin-inline: auto;
  padding: 3rem var(--gutter) 2rem;
}

.footer__offices {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  padding-bottom: 2rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.14);
}

.footer__office h4 {
  margin: 0 0 0.6em;
  color: var(--white);
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.footer__office p {
  margin: 0 0 0.6em;
  line-height: 1.55;
}

.footer__office a {
  color: var(--mid-blue);
}

.footer__office a:hover {
  color: var(--white);
}

.footer__legal {
  padding: 1.75rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.14);
  font-size: 0.78rem;
  line-height: 1.65;
  color: rgba(255, 255, 255, 0.62);
}

.footer__legal p {
  margin: 0 0 0.85em;
}

.footer__bottom {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 0.75rem;
  padding-top: 1.5rem;
  font-size: 0.8rem;
}

.footer__bottom a {
  color: var(--mid-blue);
  font-weight: 500;
}

.footer__bottom a:hover {
  color: var(--white);
}

@media (max-width: 720px) {
  .footer__offices {
    grid-template-columns: 1fr;
    gap: 1.75rem;
  }

  .footer__bottom {
    flex-direction: column;
    align-items: flex-start;
    gap: 1rem;
  }

  /* Enlarge inline footer links (tel: / mailto: / Consumer Access) for tapping */
  .footer__office a,
  .footer__bottom a {
    display: inline-block;
    padding-block: 6px;
  }
}

/* -------------------------------------------------------------------------
   10. Apply Now modal
   ------------------------------------------------------------------------- */
.modal {
  position: fixed;
  inset: 0;
  z-index: 1000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: var(--gutter);
}

.modal__overlay {
  position: absolute;
  inset: 0;
  background: rgba(15, 31, 43, 0.55);
  backdrop-filter: blur(2px);
  animation: modal-fade var(--ease);
}

.modal__dialog {
  position: relative;
  width: 100%;
  max-width: 440px;
  max-height: calc(100vh - 2 * var(--gutter));
  overflow-y: auto;
  padding: 2.25rem 2rem;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  animation: modal-pop var(--ease);
}

.modal__close {
  position: absolute;
  top: 0.6rem;
  right: 0.6rem;
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  line-height: 1;
  color: var(--muted);
  background: transparent;
  border: none;
  border-radius: 50%;
  transition: background var(--ease), color var(--ease);
}

.modal__close:hover {
  background: var(--light-blue);
  color: var(--navy);
}

.modal__title {
  margin: 0 0 0.35em;
  font-size: 1.5rem;
}

.modal__sub {
  margin: 0 0 1.5rem;
  color: var(--muted);
  font-size: 0.92rem;
}

.modal__actions {
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
  margin-top: 1.5rem;
}

.modal__error {
  margin-top: 0.85rem;
  padding: 0.7em 0.85em;
  font-size: 0.85rem;
  color: #8a1f1f;
  background: #fdecec;
  border: 1px solid #f5c6c6;
  border-radius: var(--radius-sm);
}

.modal__success {
  text-align: center;
  padding: 0.5rem 0;
}

.modal__success h3 {
  margin-bottom: 0.4em;
}

.modal__success p {
  margin-bottom: 1.5rem;
  color: var(--muted);
}

@keyframes modal-fade {
  from {
    opacity: 0;
  }
}

@keyframes modal-pop {
  from {
    opacity: 0;
    transform: translateY(12px) scale(0.98);
  }
}

@media (max-width: 420px) {
  .modal__dialog {
    padding: 2rem 1.4rem;
  }
}

/* -------------------------------------------------------------------------
   11. Content / product pages (purchase + refinance subpages)
   Shared layout used by every program page so markup stays lean.
   ------------------------------------------------------------------------- */

/* Small inline icon helper */
.ic {
  width: 24px;
  height: 24px;
  flex-shrink: 0;
}

/* Compact navy hero for content pages */
.page-hero {
  background: linear-gradient(155deg, var(--navy) 0%, #1d5474 100%);
  color: #fff;
}

.page-hero__inner {
  padding-block: 3.5rem 4rem;
  max-width: 780px;
}

.page-hero .eyebrow {
  color: var(--mid-blue);
}

.page-hero h1 {
  color: #fff;
  font-size: clamp(1.75rem, 5vw, 2.75rem);
  margin-bottom: 0.4em;
}

.page-hero__sub {
  font-size: 1.12rem;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.85);
  margin-bottom: 1.75rem;
  max-width: 56ch;
}

/* Inline button group (hero CTAs, etc.) */
.btn-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
}

/* Light outline button for use on navy backgrounds */
.btn--outline-light {
  background: transparent;
  color: #fff;
  border-color: rgba(255, 255, 255, 0.4);
}

.btn--outline-light:hover {
  background: rgba(255, 255, 255, 0.12);
  color: #fff;
  border-color: #fff;
}

/* Generic content block */
.block {
  padding-block: 4rem;
}

.block--soft {
  background: var(--light-blue);
}

.block--navy {
  background: linear-gradient(155deg, var(--navy) 0%, #11364c 100%);
  color: #fff;
}

.block--navy h2 { color: #fff; }
.block--navy .eyebrow { color: var(--mid-blue); }
.block--navy p { color: rgba(255, 255, 255, 0.85); }

.block__head {
  max-width: 640px;
  margin-bottom: 2.5rem;
}

.block__head.is-center {
  margin-inline: auto;
  text-align: center;
}

.block__head h2 {
  margin-bottom: 0.4em;
}

.block__head p {
  color: var(--muted);
  font-size: 1.05rem;
  margin: 0;
}

/* Benefit pillars */
.pillars {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.25rem;
}

.pillar {
  padding: 1.5rem;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
}

.block--soft .pillar {
  background: var(--white);
}

.pillar__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  margin-bottom: 0.9rem;
  border-radius: 12px;
  background: var(--light-blue);
  color: var(--blue);
}

.block--soft .pillar__icon {
  background: var(--mid-blue);
}

.pillar h3 {
  font-size: 1.1rem;
  margin-bottom: 0.3em;
}

.pillar p {
  margin: 0;
  color: var(--muted);
  font-size: 0.95rem;
}

/* Linkable pillar card (used on overview pages) */
a.pillar {
  display: block;
  color: var(--text);
  transition: border-color var(--ease), box-shadow var(--ease), transform var(--ease);
}

a.pillar:hover {
  border-color: var(--mid-blue);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
  color: var(--text);
}

.pillar__more {
  display: inline-block;
  margin-top: 0.85rem;
  color: var(--blue);
  font-weight: 600;
  font-size: 0.9rem;
}

a.pillar:hover .pillar__more {
  color: var(--blue-dark);
}

/* Two-column eligibility / checklist */
.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2.5rem;
}

.checklist {
  list-style: none;
  margin: 0;
  padding: 0;
}

.checklist li {
  position: relative;
  padding: 0 0 0 2rem;
  margin-bottom: 1rem;
  line-height: 1.5;
}

.checklist li:last-child {
  margin-bottom: 0;
}

.checklist li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 2px;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--mid-blue) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2316425B' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l4 4 10-10'/%3E%3C/svg%3E") center / 13px no-repeat;
}

.checklist strong {
  display: block;
  color: var(--navy);
}

/* Loan-detail spec cards */
.specs {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1.25rem;
}

.spec {
  padding: 1.5rem;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  text-align: center;
}

.spec__num {
  display: block;
  color: var(--navy);
  font-size: 1.9rem;
  font-weight: 700;
  letter-spacing: -0.5px;
  line-height: 1.1;
}

.spec__label {
  display: block;
  margin-top: 0.4rem;
  color: var(--muted);
  font-size: 0.95rem;
}

/* FAQ accordion (native <details>) */
.faq {
  max-width: 760px;
}

.faq__item {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--white);
  margin-bottom: 0.85rem;
}

.faq__item[open] {
  border-color: var(--mid-blue);
}

.faq__q {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  min-height: 44px;
  padding: 1rem 1.25rem;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  list-style: none;
}

.faq__q::-webkit-details-marker {
  display: none;
}

.faq__q::after {
  content: '+';
  font-size: 1.4rem;
  font-weight: 400;
  color: var(--blue);
  line-height: 1;
  transition: transform var(--ease);
}

.faq__item[open] .faq__q::after {
  transform: rotate(45deg);
}

.faq__q:focus-visible {
  outline: 2px solid var(--blue);
  outline-offset: -2px;
  border-radius: var(--radius);
}

.faq__a {
  padding: 0 1.25rem 1.1rem;
  color: var(--text);
}

.faq__a p {
  margin: 0;
  color: var(--muted);
}

/* Lead-form block */
.lead-card {
  max-width: 720px;
  margin: 0 auto;
  padding: 2.5rem;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
}

.lead-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

.lead-grid .field {
  margin-bottom: 0;
}

.lead-grid .field--full {
  grid-column: 1 / -1;
}

/* Content-page responsive */
@media (max-width: 760px) {
  .two-col {
    grid-template-columns: 1fr;
    gap: 1.75rem;
  }
}

@media (max-width: 640px) {
  .block {
    padding-block: 3rem;
  }

  .page-hero__inner {
    padding-block: 3rem 3.25rem;
  }

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

  .lead-card {
    padding: 1.75rem 1.4rem;
  }

  /* Keep supporting copy ≥15px on mobile */
  .pillar p,
  .spec__label,
  .faq__a p {
    font-size: 15px;
  }
}

/* -------------------------------------------------------------------------
   12. Team directory + LO profile pages
   ------------------------------------------------------------------------- */

/* Directory grid */
.team-directory {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: 1.5rem;
}

.team-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 2rem 1.5rem;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
}

.team-card__photo {
  display: block;
  width: 120px;
  height: 120px;
  margin-bottom: 1.1rem;
  border-radius: 50%;
  overflow: hidden;
  background: linear-gradient(135deg, var(--blue), var(--navy));
}

.team-card__photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.team-card__name {
  margin: 0 0 0.1em;
  font-size: 1.2rem;
}

.team-card__name a { color: var(--navy); }
.team-card__name a:hover { color: var(--blue); }

.team-card__title {
  margin: 0 0 0.5rem;
  color: var(--muted);
  font-size: 0.9rem;
}

.team-card__states {
  margin: 0 0 0.6rem;
  color: var(--text);
  font-size: 0.85rem;
}

/* Language badge */
.lang-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.4em;
  margin-bottom: 1rem;
  padding: 0.3em 0.7em;
  background: var(--light-blue);
  color: var(--navy);
  border-radius: 999px;
  font-size: 0.75rem;
  font-weight: 600;
}

.lang-badge .ic { color: var(--blue); }

.team-card__actions {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  width: 100%;
  margin-top: auto;
}

/* Profile hero */
.profile-hero__inner {
  display: flex;
  align-items: center;
  gap: 2.25rem;
  padding-block: 3rem 3.5rem;
}

.profile-hero__photo {
  width: 168px;
  height: 168px;
  flex-shrink: 0;
  border-radius: 50%;
  object-fit: cover;
  border: 4px solid rgba(255, 255, 255, 0.18);
  background: rgba(255, 255, 255, 0.1);
}

.profile-hero__info { min-width: 0; }
.profile-hero .eyebrow { color: var(--mid-blue); }
.profile-hero h1 { color: #fff; margin-bottom: 0.15em; }

.profile-hero__nmls {
  margin: 0 0 1.25rem;
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.9rem;
}

.profile-hero__actions { margin-bottom: 1.1rem; }

.profile-social {
  display: flex;
  gap: 0.6rem;
}

.profile-social a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, 0.3);
  color: #fff;
  transition: background var(--ease), border-color var(--ease);
}

.profile-social a:hover {
  background: rgba(255, 255, 255, 0.12);
  color: #fff;
  border-color: #fff;
}

/* Profile body layout */
.profile-layout {
  display: grid;
  grid-template-columns: 1.7fr 1fr;
  gap: 2.5rem;
  align-items: start;
}

.profile-section { margin-bottom: 2.5rem; }
.profile-section:last-child { margin-bottom: 0; }
.profile-section h2 { margin-bottom: 0.5em; }
.profile-section h3 { margin-bottom: 0.4em; font-size: 1.05rem; }
.profile-section p { color: var(--text); }

/* Reviews — hidden until at least one approved review exists.
   approveReview adds .reviews-visible to the profile wrapper (.profile-main) to reveal. */
.reviews-block { display: none; }
.reviews-visible .reviews-block { display: block; }

.reviews-empty {
  padding: 2rem 1.5rem;
  background: var(--light-blue);
  border: 1px dashed var(--mid-blue);
  border-radius: var(--radius-lg);
  text-align: center;
  color: var(--muted);
}

/* Published review cards (populated by getReviews via components.js) */
.reviews-list {
  display: grid;
  gap: 1rem;
}

.review-card {
  padding: 1.5rem 1.6rem;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
}

.review-stars {
  font-size: 1.05rem;
  letter-spacing: 2px;
  color: #f5a623;
  line-height: 1;
}

.review-stars__off { color: var(--border); }

.review-text {
  margin: 0.85rem 0 0;
  color: var(--text);
  line-height: 1.6;
}

.review-author {
  margin: 0.85rem 0 0;
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--navy);
}

/* Star rating (CSS-only, row-reverse fill trick) */
.rating-label {
  display: block;
  margin-bottom: 0.45em;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
}

.stars {
  display: inline-flex;
  flex-direction: row-reverse;
  justify-content: flex-end;
  gap: 0.15rem;
  margin: 0 0 1.25rem;
  padding: 0;
  border: 0;
}

.stars input {
  position: absolute;
  width: 1px;
  height: 1px;
  opacity: 0;
}

.stars label {
  font-size: 2rem;
  line-height: 1;
  color: var(--border);
  cursor: pointer;
  transition: color var(--ease);
}

.stars label:hover,
.stars label:hover ~ label,
.stars input:checked ~ label {
  color: #f5a623;
}

.stars input:focus-visible + label {
  outline: 2px solid var(--blue);
  outline-offset: 2px;
  border-radius: 4px;
}

/* Sidebar */
.side-card {
  padding: 1.5rem;
  margin-bottom: 1.25rem;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
}

.side-card:last-child { margin-bottom: 0; }
.side-card h3 { margin: 0 0 0.85em; font-size: 1rem; }

.side-card--navy {
  background: linear-gradient(155deg, var(--navy) 0%, #11364c 100%);
  border-color: transparent;
  color: #fff;
}

.side-card--navy h3 { color: #fff; }
.side-card--navy p { color: rgba(255, 255, 255, 0.82); margin-bottom: 1.1rem; }

.contact-list {
  list-style: none;
  margin: 0;
  padding: 0;
}

.contact-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.7rem;
  margin-bottom: 0.9rem;
  font-size: 0.9rem;
  line-height: 1.45;
}

.contact-list li:last-child { margin-bottom: 0; }
.contact-list .ic { color: var(--blue); flex-shrink: 0; margin-top: 1px; }
.contact-list a { color: var(--text); }
.contact-list a:hover { color: var(--blue); }

.side-social { display: flex; gap: 0.6rem; }

.side-social a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  border: 1px solid var(--border);
  color: var(--navy);
  transition: background var(--ease);
}

.side-social a:hover { background: var(--light-blue); }

@media (max-width: 860px) {
  .profile-layout { grid-template-columns: 1fr; gap: 2rem; }
  .profile-hero__inner {
    flex-direction: column;
    text-align: center;
    gap: 1.25rem;
    padding-block: 2.5rem 3rem;
  }
  .profile-hero__actions,
  .profile-social { justify-content: center; }
}

/* -------------------------------------------------------------------------
   13. Partner / benefit pages (trust signals, contact strip)
   ------------------------------------------------------------------------- */
.trust-signals {
  list-style: none;
  margin: 2rem 0 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.85rem 2.5rem;
}

.trust-signals li {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  color: #fff;
  font-weight: 600;
  font-size: 0.95rem;
}

.trust-signals .ic {
  color: var(--mid-blue);
}

.contact-strip__items {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.6rem 2rem;
  margin-top: 0.75rem;
}

.contact-strip__items span,
.contact-strip__items a {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-weight: 500;
  color: var(--text);
}

.contact-strip__items a:hover { color: var(--blue); }
.contact-strip__items .ic { color: var(--blue); }

/* Availability band — blue headline, pure-white body + trust signals on navy */
.block--navy.availability h2 { color: #3A7CA5; }
.block--navy.availability p { color: #ffffff; }
.block--navy.availability .trust-signals li { color: #ffffff; }

/* Honor reduced-motion preference */
@media (prefers-reduced-motion: reduce) {
  * {
    animation: none !important;
    transition: none !important;
    scroll-behavior: auto !important;
  }
}