/* ============================================
   Icon Mortgage Group — Branch Site Stylesheet
   Modern theme: burnt orange + warm stone
   ============================================ */

:root {
  --navy: #292524;         /* stone-800: headings, dark surfaces */
  --navy-light: #44403c;   /* stone-700 */
  --navy-dark: #1c1917;    /* darkest surface (warm charcoal) */
  --gold: #c2410c;         /* burnt orange: primary accent */
  --gold-light: #fb923c;   /* soft orange: accent on dark */
  --bg: #faf9f7;
  --white: #ffffff;
  --surface: #ffffff;
  --header-bg: rgba(255,255,255,0.92);
  --text: #44403c;
  --text-muted: #78716c;
  --border: #e7e5e4;
  --success: #4d7c0f;
  --radius: 14px;
  --shadow: 0 1px 3px rgba(28, 25, 23, 0.06);
  --shadow-lg: 0 12px 32px rgba(28, 25, 23, 0.10);
  --max-width: 1140px;
}

/* ---------- Dark mode ---------- */
[data-theme="dark"] {
  --navy: #fafaf9;            /* headings become light */
  --navy-light: #d6d3d1;
  --navy-dark: #121010;       /* dark hero/footer, slightly darker than page */
  --gold: #ea580c;
  --gold-light: #fb923c;
  --bg: #1c1917;
  --surface: #292524;
  --header-bg: rgba(28, 25, 23, 0.92);
  --text: #d6d3d1;
  --text-muted: #a8a29e;
  --border: #3b3734;
  --shadow: 0 1px 3px rgba(0, 0, 0, 0.35);
  --shadow-lg: 0 12px 32px rgba(0, 0, 0, 0.45);
}

[data-theme="dark"] .card:hover { border-color: #9a3412; }
[data-theme="dark"] .card .icon { background: rgba(234, 88, 12, 0.16); color: var(--gold-light); }
[data-theme="dark"] .disclaimer-box { background: var(--surface); color: var(--text-muted); }
[data-theme="dark"] .eyebrow,
[data-theme="dark"] .article-tag,
[data-theme="dark"] .officer-title,
[data-theme="dark"] .back-link,
[data-theme="dark"] .officer-contact a { color: var(--gold-light); }
[data-theme="dark"] .officer-avatar { background: var(--navy-dark); }
[data-theme="dark"] .officer-avatar .initials { color: #fafaf9; }
[data-theme="dark"] input,
[data-theme="dark"] select,
[data-theme="dark"] textarea { background: #1c1917; }
[data-theme="dark"] .brand .mark { color: #ffffff; }

.theme-toggle {
  background: none;
  border: 1.5px solid var(--border);
  border-radius: 10px;
  color: var(--navy);
  width: 38px;
  height: 38px;
  cursor: pointer;
  font-size: 1.05rem;
  line-height: 1;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-left: 14px;
  transition: border-color 0.15s, color 0.15s;
  flex-shrink: 0;
}
.theme-toggle:hover { border-color: var(--gold); color: var(--gold); }

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

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', 'Segoe UI', system-ui, -apple-system, Roboto, Helvetica, Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

h1, h2, h3, h4 {
  font-family: inherit;
  color: var(--navy);
  line-height: 1.2;
  letter-spacing: -0.02em;
  font-weight: 700;
}

h1 { font-size: 2.8rem; font-weight: 800; }
h2 { font-size: 2rem; margin-bottom: 0.75rem; }
h3 { font-size: 1.25rem; }

p { color: var(--text-muted); }

.eyebrow {
  display: inline-block;
  color: var(--gold);
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  font-size: 0.75rem;
  margin-bottom: 0.6rem;
}

.section {
  padding: 80px 0;
}

.section-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 48px;
}

.section-alt { background: var(--surface); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: 13px 28px;
  border-radius: 10px;
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
  border: 1.5px solid transparent;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
}

.btn-primary {
  background: var(--gold);
  color: #ffffff;
}
.btn-primary:hover { background: #9a3412; transform: translateY(-1px); box-shadow: 0 6px 18px rgba(194,65,12,0.30); }

.btn-outline {
  background: transparent;
  border-color: rgba(255,255,255,0.35);
  color: var(--white);
}
.btn-outline:hover { background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.6); }

.btn-outline-navy {
  background: transparent;
  border-color: var(--border);
  color: var(--navy);
}
.btn-outline-navy:hover { border-color: var(--gold); color: var(--gold); }

.btn-block { display: block; width: 100%; text-align: center; }

/* ---------- Header / Nav ---------- */
header.site-header {
  background: var(--header-bg);
  backdrop-filter: blur(10px);
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 1px solid var(--border);
}

.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 24px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--navy);
  font-size: 1.25rem;
  font-weight: 800;
  letter-spacing: -0.02em;
}

.brand .badge-icon { display: flex; align-items: center; }
.brand .badge-icon svg { height: 38px; width: auto; display: block; }

.brand .mark {
  width: 38px;
  height: 38px;
  border-radius: 10px;
  background: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #ffffff;
  font-weight: 800;
  font-size: 1.1rem;
}

.brand {
  flex-shrink: 0;
}

.brand .tagline {
  display: flex;
  align-items: center;
  gap: 5px;
  font-size: 0.6rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  color: var(--text-muted);
  text-transform: uppercase;
  margin-top: 3px;
  white-space: nowrap;
}
.brand .tagline .tag-nmls { margin-left: 1px; }
.brand .tagline svg {
  height: 12px;
  width: auto;
  flex-shrink: 0;
  position: relative;
  top: -0.5px;
}

nav.main-nav ul {
  display: flex;
  gap: 26px;
  align-items: center;
}

nav.main-nav a {
  color: var(--text);
  font-weight: 600;
  font-size: 0.92rem;
  padding: 8px 2px;
  white-space: nowrap;
  transition: color 0.15s;
}

nav.main-nav a:hover {
  color: var(--gold);
}

nav.main-nav a.active {
  color: var(--gold);
  font-weight: 700;
}

nav.main-nav .btn-primary {
  color: #ffffff;
  padding: 10px 20px;
}

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}
.nav-toggle span {
  width: 26px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
}

/* ---------- Hero ---------- */
.hero {
  background: var(--navy-dark);
  color: var(--white);
  padding: 96px 0 104px;
  position: relative;
  overflow: hidden;
}

.hero::after {
  content: "";
  position: absolute;
  right: -160px;
  top: -160px;
  width: 520px;
  height: 520px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(251,146,60,0.22), transparent 68%);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 48px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero h1 { color: var(--white); margin-bottom: 18px; }
.hero p.lead { color: #a8a29e; font-size: 1.12rem; max-width: 520px; margin-bottom: 32px; }
.hero .cta-row { display: flex; gap: 14px; flex-wrap: wrap; }

.hero-stats {
  display: flex;
  gap: 36px;
  margin-top: 48px;
  flex-wrap: wrap;
}
.hero-stats div strong {
  display: block;
  font-size: 1.7rem;
  font-weight: 800;
  color: var(--gold-light);
  letter-spacing: -0.02em;
}
.hero-stats div span { font-size: 0.82rem; color: #78716c; }

.hero-card {
  background: var(--surface);
  border-radius: var(--radius);
  padding: 30px;
  box-shadow: var(--shadow-lg);
  color: var(--text);
}
.hero-card h3 { margin-bottom: 6px; }
.hero-card p.small { color: var(--text-muted); font-size: 0.88rem; margin-bottom: 18px; }

/* ---------- Cards / Grids ---------- */
.grid {
  display: grid;
  gap: 24px;
}
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
  transition: transform 0.15s ease, box-shadow 0.15s ease, border-color 0.15s ease;
}
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); border-color: #fed7aa; }

.card .icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: #fff7ed;
  color: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  margin-bottom: 16px;
  font-weight: 700;
}

/* ---------- Loan Officer Cards ---------- */
.officer-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  text-align: center;
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}
.officer-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }

.officer-avatar {
  width: 100%;
  height: 120px;
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
}
.officer-avatar .initials {
  width: 88px;
  height: 88px;
  border-radius: 50%;
  background: var(--surface);
  color: var(--navy);
  font-weight: 700;
  font-size: 1.6rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 55px;
  border: 3px solid var(--gold-light);
}
.officer-avatar .headshot {
  width: 92px;
  height: 92px;
  border-radius: 50%;
  object-fit: cover;
  margin-top: 55px;
  border: 3px solid var(--gold-light);
  background: var(--surface);
}
.officer-body { padding: 50px 22px 26px; }
.officer-body h3 { margin-bottom: 2px; }
.officer-title { color: var(--gold); font-weight: 600; font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 10px; }
.officer-nmls { font-size: 0.78rem; color: var(--text-muted); margin-bottom: 14px; }
.officer-bio { font-size: 0.9rem; margin-bottom: 16px; }
.officer-contact { font-size: 0.88rem; border-top: 1px solid var(--border); padding-top: 14px; }
.officer-contact div { margin-bottom: 4px; }
.officer-contact a { color: var(--gold); font-weight: 600; }

/* ---------- Forms ---------- */
.form-card {
  background: var(--surface);
  border-radius: var(--radius);
  padding: 34px;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
}

label {
  display: block;
  font-weight: 600;
  font-size: 0.86rem;
  margin-bottom: 6px;
  color: var(--navy);
}

input, select, textarea {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--border);
  border-radius: 10px;
  font-size: 0.95rem;
  font-family: inherit;
  margin-bottom: 18px;
  background: var(--surface);
  color: var(--text);
  transition: border-color 0.15s, box-shadow 0.15s;
}
input:focus, select:focus, textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(194,65,12,0.12);
}

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

fieldset { border: none; margin-bottom: 6px; }

.form-note { font-size: 0.8rem; color: var(--text-muted); margin-top: -8px; }

/* ---------- Calculator ---------- */
.calc-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: start;
}

.calc-results {
  background: var(--navy-dark);
  color: var(--white);
  border-radius: var(--radius);
  padding: 32px;
  position: sticky;
  top: 96px;
}
.calc-results h3 { color: var(--white); }
.calc-monthly {
  font-size: 2.7rem;
  font-weight: 800;
  letter-spacing: -0.03em;
  color: var(--gold-light);
  margin: 14px 0 4px;
}
.calc-monthly span { font-size: 1rem; color: #a8a29e; }

.calc-breakdown { margin-top: 24px; border-top: 1px solid rgba(255,255,255,0.12); padding-top: 18px; }
.calc-breakdown-row {
  display: flex;
  justify-content: space-between;
  padding: 9px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  font-size: 0.92rem;
  color: #d6d3d1;
}
.calc-breakdown-row.total { font-weight: 700; border-bottom: none; padding-top: 14px; font-size: 1.05rem; color: var(--gold-light); }

.calc-programs {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 24px;
}
.calc-programs button {
  flex: 1 1 auto;
  min-width: 0;
  white-space: nowrap;
  padding: 9px 12px;
  border: 1.5px solid var(--border);
  background: var(--surface);
  border-radius: 9px;
  font-weight: 600;
  font-size: 0.8rem;
  color: var(--text-muted);
  cursor: pointer;
  font-family: inherit;
  transition: border-color 0.15s, color 0.15s, background 0.15s;
}
.calc-programs button:hover { border-color: var(--gold); }
.calc-programs button.active {
  border-color: var(--gold);
  color: var(--gold);
  background: rgba(194, 65, 12, 0.07);
}

.range-row { display: flex; align-items: center; gap: 12px; margin-bottom: 18px; }
.range-row input[type=range] { margin-bottom: 0; }
.range-value { min-width: 64px; text-align: right; font-weight: 700; color: var(--navy); }

/* ---------- Icon Assistant chat widget ---------- */
#chat-bubble {
  position: fixed;
  right: 22px;
  bottom: 22px;
  width: 58px;
  height: 58px;
  border-radius: 50%;
  border: none;
  background: var(--gold);
  color: #ffffff;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 8px 24px rgba(28, 25, 23, 0.3);
  z-index: 300;
  transition: transform 0.15s ease, background 0.15s ease;
}
#chat-bubble:hover { transform: scale(1.07); background: #9a3412; }

#chat-panel {
  position: fixed;
  right: 22px;
  bottom: 92px;
  width: 360px;
  max-width: calc(100vw - 32px);
  max-height: min(560px, calc(100vh - 120px));
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 16px;
  box-shadow: 0 24px 60px rgba(28, 25, 23, 0.3);
  display: none;
  flex-direction: column;
  overflow: hidden;
  z-index: 300;
}
#chat-panel.open { display: flex; }

.chat-head {
  background: var(--navy-dark);
  color: #ffffff;
  padding: 14px 16px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.chat-head-title strong { display: block; font-size: 0.95rem; }
.chat-head-title span { font-size: 0.72rem; color: #a8a29e; }
.chat-close {
  background: none;
  border: none;
  color: #a8a29e;
  font-size: 1.5rem;
  line-height: 1;
  cursor: pointer;
}
.chat-close:hover { color: #ffffff; }

.chat-msgs {
  flex: 1;
  overflow-y: auto;
  padding: 14px;
  display: flex;
  flex-direction: column;
  gap: 9px;
  min-height: 180px;
}
.chat-msg {
  max-width: 85%;
  padding: 9px 13px;
  border-radius: 14px;
  font-size: 0.86rem;
  line-height: 1.5;
  word-wrap: break-word;
}
.chat-msg.bot {
  background: var(--bg);
  border: 1px solid var(--border);
  color: var(--text);
  align-self: flex-start;
  border-bottom-left-radius: 4px;
}
.chat-msg.user {
  background: var(--gold);
  color: #ffffff;
  align-self: flex-end;
  border-bottom-right-radius: 4px;
}
.chat-msg a { color: var(--gold); font-weight: 600; text-decoration: underline; }
.chat-msg.user a { color: #ffffff; }
.chat-msg.typing { color: var(--text-muted); letter-spacing: 2px; }

.chat-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  padding: 0 14px 10px;
}
.chat-chips button {
  border: 1.5px solid var(--border);
  background: var(--surface);
  color: var(--text);
  font-family: inherit;
  font-size: 0.72rem;
  font-weight: 600;
  padding: 5px 10px;
  border-radius: 999px;
  cursor: pointer;
  transition: border-color 0.15s, color 0.15s;
}
.chat-chips button:hover { border-color: var(--gold); color: var(--gold); }

.chat-input {
  display: flex;
  gap: 8px;
  padding: 10px 14px;
  border-top: 1px solid var(--border);
}
.chat-input input {
  flex: 1;
  margin-bottom: 0;
  padding: 9px 12px;
  font-size: 0.86rem;
}
.chat-input button {
  border: none;
  background: var(--gold);
  color: #ffffff;
  width: 40px;
  border-radius: 9px;
  cursor: pointer;
  font-size: 1rem;
  flex-shrink: 0;
}
.chat-input button:hover { background: #9a3412; }

.chat-legal {
  font-size: 0.62rem;
  color: var(--text-muted);
  text-align: center;
  padding: 6px 14px 10px;
}

@media (max-width: 480px) {
  #chat-panel { right: 16px; bottom: 84px; }
  #chat-bubble { right: 16px; bottom: 16px; }
}

/* ---------- Where We Lend map ---------- */
#lend-map svg {
  display: block;
  width: 100%;
  max-width: 860px;
  height: auto;
  margin: 0 auto;
}
#lend-map .us-state {
  fill: var(--border);
  stroke: var(--surface);
  stroke-width: 1.5;
  cursor: pointer;
  outline: none;
  transition: fill 0.15s ease;
}
#lend-map .us-state.licensed { fill: var(--gold); }
#lend-map .us-state.licensed:hover,
#lend-map .us-state.licensed:focus-visible { fill: var(--gold-light); }
#lend-map .us-state:not(.licensed):hover,
#lend-map .us-state:not(.licensed):focus-visible { fill: var(--text-muted); }
#lend-map .inset text {
  fill: #ffffff;
  font-family: inherit;
  font-weight: 800;
  font-size: 20px;
  pointer-events: none;
}

#lend-label {
  text-align: center;
  margin-top: 22px;
  font-size: 1rem;
  font-weight: 600;
  color: var(--text-muted);
  min-height: 1.6em;
}
#lend-label.on { color: var(--gold); }
#lend-label.off { color: var(--text-muted); }

.state-chip {
  display: inline-block;
  padding: 6px 13px;
  border: 1.5px solid var(--border);
  border-radius: 999px;
  background: var(--surface);
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--text);
}

.disclaimer-box {
  background: #f5f5f4;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 18px 22px;
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-top: 20px;
}

/* ---------- Blog ---------- */
.article-card { display: flex; flex-direction: column; height: 100%; }
.article-tag { color: var(--gold); font-weight: 600; font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 8px; }
.article-meta { font-size: 0.8rem; color: var(--text-muted); margin: 10px 0 14px; }
.article-body {
  max-width: 720px;
  margin: 0 auto;
  background: var(--surface);
  padding: 48px;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
}
.article-body h2 { margin-top: 32px; }
.article-body p { color: var(--text); margin-bottom: 16px; }
.article-body ul { list-style: disc; padding-left: 22px; margin-bottom: 16px; }
.article-body li { color: var(--text); margin-bottom: 6px; }
.back-link { display: inline-block; margin-bottom: 24px; color: var(--gold); font-weight: 600; }

/* ---------- Page Header (interior pages) ---------- */
.page-header {
  background: var(--navy-dark);
  color: var(--white);
  padding: 60px 0;
  text-align: center;
}
.page-header h1 { color: var(--white); }
.page-header p { color: #a8a29e; max-width: 600px; margin: 10px auto 0; }

/* ---------- Testimonials ---------- */
.testimonial {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 26px 28px;
  box-shadow: var(--shadow);
}
.testimonial p { font-style: normal; color: var(--text); }
.testimonial .stars { color: var(--gold); margin-bottom: 10px; letter-spacing: 2px; }
.testimonial .author { margin-top: 12px; font-weight: 600; color: var(--navy); font-size: 0.88rem; }

/* ---------- Footer ---------- */
footer.site-footer {
  background: var(--navy-dark);
  color: #a8a29e;
  padding: 60px 0 28px;
  margin-top: 40px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr 1.2fr;
  gap: 32px;
  margin-bottom: 36px;
}
.footer-grid h4 { color: var(--white); font-size: 0.92rem; margin-bottom: 14px; font-weight: 600; }
.footer-grid ul li { margin-bottom: 9px; font-size: 0.88rem; }
.footer-grid a:hover { color: var(--gold-light); }
.footer-brand .brand { color: var(--white); }
.footer-brand .brand .tagline { color: #78716c; }
.footer-brand p { color: #78716c; font-size: 0.88rem; margin: 12px 0; }

.equal-housing {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.78rem;
  color: #78716c;
  margin-top: 10px;
}
.equal-housing .eh-badge {
  width: 26px;
  height: 26px;
  border: 1.5px solid #78716c;
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.65rem;
  font-weight: 700;
}

.footer-disclosure {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 22px;
  font-size: 0.76rem;
  color: #57534e;
  line-height: 1.7;
}

/* ---------- Apply Modal (language choice) ---------- */
.apply-modal {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(28, 25, 23, 0.55);
  z-index: 200;
  align-items: center;
  justify-content: center;
  padding: 24px;
}
.apply-modal.open { display: flex; }

.apply-modal-card {
  background: var(--surface);
  border-radius: var(--radius);
  padding: 36px 32px 28px;
  max-width: 400px;
  width: 100%;
  text-align: center;
  position: relative;
  box-shadow: 0 24px 60px rgba(28, 25, 23, 0.25);
}
.apply-modal-card h3 { margin-bottom: 8px; font-size: 1.35rem; }
.apply-modal-sub {
  font-size: 0.9rem;
  color: var(--text-muted);
  margin-bottom: 22px;
  line-height: 1.6;
}
.apply-modal-btn { margin-bottom: 12px; }

.apply-modal-close {
  position: absolute;
  top: 12px;
  right: 16px;
  background: none;
  border: none;
  font-size: 1.6rem;
  line-height: 1;
  color: var(--text-muted);
  cursor: pointer;
  padding: 4px;
}
.apply-modal-close:hover { color: var(--navy); }

.apply-modal-cancel {
  background: none;
  border: none;
  color: var(--text-muted);
  font-size: 0.85rem;
  font-weight: 500;
  cursor: pointer;
  margin-top: 6px;
  font-family: inherit;
}
.apply-modal-cancel:hover { color: var(--navy); }


@media (max-width: 1180px) {
  .brand .tagline .tag-nmls { display: none; }
  nav.main-nav ul { gap: 18px; }
}
@media (max-width: 1000px) {
  nav.main-nav ul { gap: 13px; }
  nav.main-nav a { font-size: 0.86rem; }
}

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; }
  .calc-wrap { grid-template-columns: 1fr; }
  .calc-results { position: static; }
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 680px) {
  h1 { font-size: 2.1rem; }
  .nav-toggle { display: flex; }
  nav.main-nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--surface);
    border-bottom: 1px solid var(--border);
    padding: 20px 24px 26px;
  }
  nav.main-nav.open { display: block; }
  nav.main-nav ul { flex-direction: column; align-items: flex-start; gap: 16px; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .section { padding: 56px 0; }
}