/* Buffalo Lake Lending - Complete Stylesheet */
/* Professional Financial Services Design */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;500;600;700&family=Source+Sans+3:wght@300;400;500;600;700&display=swap');

/* ============================================
   CSS VARIABLES
   ============================================ */
:root {
    /* Primary Colors */
    --primary-deep: #0D2137;
    --primary-dark: #1A3A5C;
    --primary-main: #2B5A8A;
    --primary-light: #4A7FB5;
    --primary-pale: #E8F1F8;
    
    /* Accent Colors */
    --accent-gold: #C9A227;
    --accent-copper: #B87333;
    
    /* Neutrals */
    --white: #FFFFFF;
    --off-white: #FAFBFC;
    --gray-100: #F5F7FA;
    --gray-200: #E4E9F0;
    --gray-300: #CBD2DC;
    --gray-400: #9AA5B4;
    --gray-500: #6B7785;
    --gray-600: #4A5568;
    --gray-700: #2D3748;
    --gray-800: #1A202C;
    --gray-900: #0f1419;
    
    /* Semantic */
    --success: #28A745;
    --warning: #FFC107;
    --error: #DC3545;
    --info: #17A2B8;
    
    /* Typography */
    --font-display: 'Playfair Display', Georgia, serif;
    --font-body: 'Source Sans 3', -apple-system, BlinkMacSystemFont, sans-serif;
    
    /* Spacing */
    --space-xs: 0.25rem;
    --space-sm: 0.5rem;
    --space-md: 1rem;
    --space-lg: 1.5rem;
    --space-xl: 2rem;
    --space-2xl: 3rem;
    --space-3xl: 4rem;
    --space-4xl: 6rem;
    
    /* Shadows */
    --shadow-sm: 0 1px 3px rgba(13, 33, 55, 0.08);
    --shadow-md: 0 4px 12px rgba(13, 33, 55, 0.12);
    --shadow-lg: 0 8px 30px rgba(13, 33, 55, 0.16);
    --shadow-xl: 0 20px 50px rgba(13, 33, 55, 0.2);
    --shadow-glow: 0 0 40px rgba(201, 162, 39, 0.3);
    
    /* Borders */
    --radius-sm: 4px;
    --radius-md: 8px;
    --radius-lg: 16px;
    --radius-xl: 24px;
    --radius-full: 9999px;
    
    /* Transitions */
    --transition-fast: 150ms ease;
    --transition-base: 250ms ease;
    --transition-slow: 400ms ease;
}

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

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

body {
    font-family: var(--font-body);
    font-size: 1rem;
    line-height: 1.7;
    color: var(--gray-700);
    background: var(--off-white);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    overflow-x: hidden;
}

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

a {
    color: var(--primary-main);
    text-decoration: none;
    transition: var(--transition-base);
}

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

/* ============================================
   TYPOGRAPHY
   ============================================ */
h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-display);
    font-weight: 600;
    line-height: 1.3;
    color: var(--primary-deep);
}

h1 { font-size: clamp(2rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.5rem, 4vw, 2.5rem); }
h3 { font-size: clamp(1.25rem, 3vw, 1.75rem); }
h4 { font-size: clamp(1.1rem, 2.5vw, 1.35rem); }
h5 { font-size: 1.1rem; }
h6 { font-size: 1rem; }

p {
    margin-bottom: var(--space-md);
}

.lead {
    font-size: 1.2rem;
    color: var(--gray-600);
    line-height: 1.8;
}

/* ============================================
   CONTAINER
   ============================================ */
.container {
    width: 100%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 var(--space-md);
}

@media (min-width: 768px) {
    .container {
        padding: 0 var(--space-xl);
    }
}

/* ============================================
   HEADER & NAVIGATION
   ============================================ */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: var(--white);
    border-bottom: 1px solid var(--gray-200);
    transition: var(--transition-base);
}

.header.scrolled {
    box-shadow: var(--shadow-md);
}

.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 12px var(--space-md);
    max-width: 1400px;
    margin: 0 auto;
}

@media (min-width: 768px) {
    .header-inner {
        padding: 12px var(--space-xl);
    }
}

/* Logo */
.logo {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
}

.logo-icon {
    width: 48px;
    height: 48px;
    background: linear-gradient(145deg, #1A3A5C 0%, #0D2137 100%);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 4px 15px rgba(26, 58, 92, 0.3), inset 0 1px 0 rgba(255,255,255,0.1);
    position: relative;
    overflow: hidden;
}

.logo-icon::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 50%;
    background: linear-gradient(180deg, rgba(255,255,255,0.15) 0%, transparent 100%);
    border-radius: 12px 12px 0 0;
}

.logo-icon svg {
    width: 32px;
    height: 32px;
    position: relative;
    z-index: 1;
}

.logo-text {
    font-family: var(--font-display);
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--primary-deep);
    line-height: 1.1;
}

.logo-text span {
    display: block;
    font-family: var(--font-body);
    font-size: 0.7rem;
    font-weight: 600;
    color: var(--accent-gold);
    letter-spacing: 0.2em;
    text-transform: uppercase;
    margin-top: 2px;
}

/* Mobile Menu Toggle */
.menu-toggle {
    display: flex;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: var(--space-sm);
    z-index: 1003;
    position: relative;
}

.menu-toggle span {
    width: 22px;
    height: 2px;
    background: var(--primary-deep);
    transition: var(--transition-base);
    border-radius: 2px;
}

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

.menu-toggle.active span:nth-child(2) {
    opacity: 0;
}

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

@media (min-width: 1024px) {
    .menu-toggle {
        display: none;
    }
}

/* Navigation */
.nav {
    position: fixed;
    top: 0;
    right: -100%;
    width: 85%;
    max-width: 400px;
    height: 100vh;
    background: var(--white);
    padding: 100px var(--space-xl) var(--space-xl);
    transition: var(--transition-slow);
    box-shadow: var(--shadow-xl);
    overflow-y: auto;
    z-index: 1002;
}

.nav.active {
    right: 0;
}

.nav-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: var(--space-xs);
}

.nav-link {
    display: block;
    padding: var(--space-md);
    font-weight: 500;
    font-size: 1rem;
    color: var(--gray-600);
    border-radius: var(--radius-md);
    transition: var(--transition-base);
    white-space: nowrap;
    cursor: pointer;
    position: relative;
    z-index: 1;
}

.nav-link:hover {
    background: var(--gray-100);
    color: var(--primary-main);
}

.nav-link.active {
    background: var(--primary-pale);
    color: var(--primary-main);
    font-weight: 600;
}

.nav-cta {
    margin-top: var(--space-lg);
    position: relative;
    z-index: 1;
}

.nav-cta .btn {
    display: block;
    text-align: center;
    cursor: pointer;
}

/* Desktop Navigation */
@media (min-width: 1024px) {
    .nav {
        position: static;
        width: auto;
        height: auto;
        background: transparent;
        padding: 0;
        box-shadow: none;
        overflow: visible;
        display: flex;
        align-items: center;
        gap: var(--space-sm);
    }
    
    .nav-list {
        flex-direction: row;
        align-items: center;
        gap: 0;
    }
    
    .nav-link {
        padding: 8px 10px;
        font-size: 0.85rem;
        border-radius: var(--radius-sm);
    }
    
    .nav-link:hover {
        background: transparent;
        color: var(--primary-main);
    }
    
    .nav-link.active {
        background: var(--primary-pale);
    }
    
    .nav-cta {
        margin: 0;
        margin-left: var(--space-sm);
        flex-shrink: 0;
    }
    
    .nav-cta .btn {
        padding: 10px 20px;
        font-size: 0.9rem;
        border-radius: var(--radius-md);
        box-shadow: 0 4px 15px rgba(201, 162, 39, 0.4);
    }
    
    .nav-cta .btn:hover {
        transform: translateY(-2px);
        box-shadow: 0 6px 20px rgba(201, 162, 39, 0.5);
    }
}

/* Ensure header doesn't overflow */
.header-inner {
    max-width: 1400px;
    overflow: visible;
}

@media (min-width: 1024px) and (max-width: 1200px) {
    .nav-link {
        padding: 8px 8px;
        font-size: 0.8rem;
    }
    
    .nav-cta .btn {
        padding: 8px 16px;
        font-size: 0.85rem;
    }
}

@media (min-width: 1024px) {
    .header-inner {
        padding-right: var(--space-lg);
    }
}

/* Overlay */
.nav-overlay {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(0, 0, 0, 0.5);
    opacity: 0;
    visibility: hidden;
    transition: var(--transition-base);
    z-index: 1000;
    pointer-events: none;
}

.nav-overlay.active {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
}

/* ============================================
   BUTTONS
   ============================================ */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: var(--space-sm);
    padding: var(--space-md) var(--space-xl);
    font-family: var(--font-body);
    font-size: 1rem;
    font-weight: 600;
    border: none;
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: var(--transition-base);
    text-align: center;
    white-space: nowrap;
}

.btn-primary {
    background: linear-gradient(135deg, var(--primary-main), var(--primary-dark));
    color: var(--white);
    box-shadow: var(--shadow-md);
}

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

.btn-secondary {
    background: var(--white);
    color: var(--primary-main);
    border: 2px solid var(--primary-main);
}

.btn-secondary:hover {
    background: var(--primary-main);
    color: var(--white);
}

.btn-gold {
    background: linear-gradient(135deg, var(--accent-gold), var(--accent-copper));
    color: var(--white);
    box-shadow: var(--shadow-md);
}

.btn-gold:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-glow);
    color: var(--white);
}

.btn-lg {
    padding: var(--space-lg) var(--space-2xl);
    font-size: 1.1rem;
}

.btn-sm {
    padding: var(--space-sm) var(--space-md);
    font-size: 0.9rem;
}

.btn-block {
    width: 100%;
}

/* ============================================
   HERO SECTION
   ============================================ */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    padding: 120px 0 var(--space-4xl);
    background: linear-gradient(180deg, var(--primary-pale) 0%, var(--white) 100%);
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: 
        radial-gradient(circle at 20% 80%, rgba(201, 162, 39, 0.1) 0%, transparent 50%),
        radial-gradient(circle at 80% 20%, rgba(43, 90, 138, 0.1) 0%, transparent 50%);
    pointer-events: none;
}

.hero-content {
    position: relative;
    z-index: 1;
    text-align: center;
    max-width: 800px;
    margin: 0 auto;
    padding: 0 var(--space-md);
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: var(--space-sm);
    background: var(--white);
    padding: var(--space-sm) var(--space-md);
    border-radius: var(--radius-full);
    box-shadow: var(--shadow-sm);
    margin-bottom: var(--space-lg);
    font-size: 0.85rem;
    color: var(--gray-600);
}

.hero-badge-icon {
    width: 20px;
    height: 20px;
    background: var(--success);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-size: 0.7rem;
}

.hero h1 {
    margin-bottom: var(--space-lg);
}

.hero h1 .highlight {
    color: var(--accent-gold);
}

.hero-description {
    font-size: 1.15rem;
    color: var(--gray-600);
    margin-bottom: var(--space-xl);
    line-height: 1.8;
}

.hero-buttons {
    display: flex;
    flex-direction: column;
    gap: var(--space-md);
    margin-bottom: var(--space-2xl);
}

@media (min-width: 480px) {
    .hero-buttons {
        flex-direction: row;
        justify-content: center;
    }
}

.hero-stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-md);
    padding-top: var(--space-xl);
    border-top: 1px solid var(--gray-200);
}

.hero-stat {
    text-align: center;
}

.hero-stat-number {
    font-family: var(--font-display);
    font-size: 1.8rem;
    font-weight: 700;
    color: var(--primary-main);
    line-height: 1;
    margin-bottom: var(--space-xs);
}

.hero-stat-label {
    font-size: 0.8rem;
    color: var(--gray-500);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

@media (min-width: 768px) {
    .hero-stat-number {
        font-size: 2.5rem;
    }
    
    .hero-stat-label {
        font-size: 0.85rem;
    }
}

/* ============================================
   TRUST BADGES
   ============================================ */
.trust-section {
    background: var(--white);
    padding: var(--space-2xl) 0;
    border-bottom: 1px solid var(--gray-200);
}

.trust-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--space-md);
}

@media (min-width: 768px) {
    .trust-grid {
        grid-template-columns: repeat(4, 1fr);
    }
}

.trust-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: var(--space-md);
}

.trust-icon {
    width: 50px;
    height: 50px;
    background: var(--primary-pale);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: var(--space-sm);
    font-size: 1.5rem;
}

.trust-label {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--gray-700);
}

/* ============================================
   SECTIONS
   ============================================ */
.section {
    padding: var(--space-3xl) 0;
}

@media (min-width: 768px) {
    .section {
        padding: var(--space-4xl) 0;
    }
}

.section-header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto var(--space-2xl);
}

.section-header h2 {
    margin-bottom: var(--space-md);
}

.section-header p {
    color: var(--gray-600);
    font-size: 1.1rem;
}

.section-alt {
    background: var(--gray-100);
}

.section-dark {
    background: var(--primary-deep);
    color: var(--white);
}

.section-dark h2,
.section-dark h3,
.section-dark h4 {
    color: var(--white);
}

.section-dark p {
    color: var(--gray-300);
}

/* ============================================
   CARDS
   ============================================ */
.card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: var(--space-xl);
    box-shadow: var(--shadow-sm);
    transition: var(--transition-base);
    height: 100%;
}

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

.card-icon {
    width: 60px;
    height: 60px;
    background: linear-gradient(135deg, var(--primary-pale), var(--white));
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: var(--space-md);
    font-size: 1.8rem;
}

.card h3 {
    font-size: 1.25rem;
    margin-bottom: var(--space-sm);
}

.card p {
    color: var(--gray-600);
    margin-bottom: 0;
}

/* ============================================
   FEATURE GRID
   ============================================ */
.feature-grid {
    display: grid;
    gap: var(--space-lg);
}

@media (min-width: 768px) {
    .feature-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (min-width: 992px) {
    .feature-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

/* ============================================
   STEPS / HOW IT WORKS
   ============================================ */
.steps-container {
    position: relative;
    max-width: 900px;
    margin: 0 auto;
}

.step {
    display: flex;
    gap: var(--space-lg);
    margin-bottom: var(--space-xl);
    position: relative;
}

.step-number {
    flex-shrink: 0;
    width: 50px;
    height: 50px;
    background: linear-gradient(135deg, var(--primary-main), var(--primary-dark));
    color: var(--white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-display);
    font-size: 1.2rem;
    font-weight: 700;
    position: relative;
    z-index: 1;
}

.step:not(:last-child) .step-number::after {
    content: '';
    position: absolute;
    top: 100%;
    left: 50%;
    transform: translateX(-50%);
    width: 2px;
    height: calc(100% + var(--space-xl));
    background: var(--gray-200);
}

.step-content {
    flex: 1;
    padding-top: var(--space-xs);
}

.step-content h3 {
    font-size: 1.2rem;
    margin-bottom: var(--space-sm);
}

.step-content p {
    color: var(--gray-600);
    margin-bottom: 0;
}

@media (min-width: 768px) {
    .step-number {
        width: 60px;
        height: 60px;
        font-size: 1.4rem;
    }
}

/* ============================================
   CALCULATOR
   ============================================ */
.calculator-card {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: var(--space-xl);
    box-shadow: var(--shadow-lg);
    max-width: 500px;
    margin: 0 auto;
}

.form-group {
    margin-bottom: var(--space-lg);
}

.form-label {
    display: block;
    font-weight: 600;
    color: var(--gray-700);
    margin-bottom: var(--space-sm);
}

.form-input,
.form-select {
    width: 100%;
    padding: var(--space-md);
    font-size: 1rem;
    font-family: var(--font-body);
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-md);
    transition: var(--transition-base);
    background: var(--white);
}

.form-input:focus,
.form-select:focus {
    outline: none;
    border-color: var(--primary-main);
    box-shadow: 0 0 0 4px rgba(43, 90, 138, 0.1);
}

.range-slider {
    width: 100%;
    height: 8px;
    -webkit-appearance: none;
    appearance: none;
    background: var(--gray-200);
    border-radius: var(--radius-full);
    outline: none;
}

.range-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 24px;
    height: 24px;
    background: var(--primary-main);
    border-radius: 50%;
    cursor: pointer;
    box-shadow: var(--shadow-md);
}

.range-slider::-moz-range-thumb {
    width: 24px;
    height: 24px;
    background: var(--primary-main);
    border-radius: 50%;
    cursor: pointer;
    box-shadow: var(--shadow-md);
    border: none;
}

.range-value {
    display: flex;
    justify-content: space-between;
    font-size: 0.9rem;
    color: var(--gray-500);
    margin-top: var(--space-sm);
}

.calculator-result {
    background: var(--primary-pale);
    border-radius: var(--radius-lg);
    padding: var(--space-lg);
    text-align: center;
    margin-top: var(--space-xl);
}

.result-label {
    font-size: 0.9rem;
    color: var(--gray-600);
    margin-bottom: var(--space-sm);
}

.result-amount {
    font-family: var(--font-display);
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--primary-main);
}

/* ============================================
   TESTIMONIALS
   ============================================ */
.testimonial-grid {
    display: grid;
    gap: var(--space-lg);
}

@media (min-width: 768px) {
    .testimonial-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (min-width: 992px) {
    .testimonial-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

.testimonial-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: var(--space-xl);
    box-shadow: var(--shadow-sm);
}

.testimonial-rating {
    display: flex;
    gap: 2px;
    margin-bottom: var(--space-md);
    color: var(--accent-gold);
    font-size: 1.1rem;
}

.testimonial-text {
    font-size: 1rem;
    color: var(--gray-700);
    line-height: 1.7;
    margin-bottom: var(--space-lg);
    font-style: italic;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: var(--space-md);
}

.testimonial-avatar {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    overflow: hidden;
    border: 3px solid var(--primary-pale);
    flex-shrink: 0;
}

.testimonial-avatar img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.testimonial-info h4 {
    font-family: var(--font-body);
    font-size: 1rem;
    font-weight: 600;
    margin-bottom: 2px;
    color: var(--gray-800);
}

.testimonial-info span {
    font-size: 0.85rem;
    color: var(--gray-500);
}

/* ============================================
   FAQ ACCORDION
   ============================================ */
.faq-container {
    max-width: 800px;
    margin: 0 auto;
}

.faq-item {
    background: var(--white);
    border-radius: var(--radius-lg);
    margin-bottom: var(--space-md);
    box-shadow: var(--shadow-sm);
    overflow: hidden;
}

.faq-question {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: var(--space-lg);
    background: none;
    border: none;
    cursor: pointer;
    text-align: left;
    font-family: var(--font-body);
    font-size: 1rem;
    font-weight: 600;
    color: var(--gray-700);
    transition: var(--transition-base);
}

.faq-question:hover {
    color: var(--primary-main);
}

.faq-icon {
    font-size: 1.5rem;
    color: var(--primary-main);
    transition: var(--transition-base);
}

.faq-item.active .faq-icon {
    transform: rotate(45deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height var(--transition-slow);
}

.faq-answer-inner {
    padding: 0 var(--space-lg) var(--space-lg);
    color: var(--gray-600);
    line-height: 1.8;
}

.faq-item.active .faq-answer {
    max-height: 500px;
}

/* ============================================
   ABOUT SECTION
   ============================================ */
.about-grid {
    display: grid;
    gap: var(--space-2xl);
    align-items: center;
}

@media (min-width: 768px) {
    .about-grid {
        grid-template-columns: 1fr 1fr;
    }
}

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

.about-image img {
    width: 100%;
    height: auto;
}

.about-content h2 {
    margin-bottom: var(--space-lg);
}

.about-list {
    list-style: none;
    margin-top: var(--space-lg);
}

.about-list li {
    display: flex;
    align-items: flex-start;
    gap: var(--space-md);
    margin-bottom: var(--space-md);
}

.about-list-icon {
    flex-shrink: 0;
    width: 24px;
    height: 24px;
    background: var(--success);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    font-size: 0.75rem;
    margin-top: 2px;
}

/* ============================================
   TEAM SECTION
   ============================================ */
.team-grid {
    display: grid;
    gap: var(--space-lg);
}

@media (min-width: 768px) {
    .team-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

.team-card {
    text-align: center;
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: var(--space-xl);
    box-shadow: var(--shadow-sm);
}

.team-avatar {
    width: 120px;
    height: 120px;
    margin: 0 auto var(--space-lg);
    border-radius: 50%;
    overflow: hidden;
    background: linear-gradient(135deg, var(--primary-pale), var(--gray-200));
}

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

.team-card h4 {
    margin-bottom: var(--space-xs);
}

.team-role {
    color: var(--primary-main);
    font-weight: 500;
    margin-bottom: var(--space-sm);
}

.team-bio {
    font-size: 0.9rem;
    color: var(--gray-600);
}

/* ============================================
   CTA SECTION
   ============================================ */
.cta-section {
    background: linear-gradient(135deg, var(--primary-deep) 0%, var(--primary-dark) 100%);
    padding: var(--space-3xl) 0;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.cta-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: 
        radial-gradient(circle at 0% 100%, rgba(201, 162, 39, 0.2) 0%, transparent 50%),
        radial-gradient(circle at 100% 0%, rgba(64, 224, 208, 0.1) 0%, transparent 50%);
    pointer-events: none;
}

.cta-content {
    position: relative;
    z-index: 1;
    max-width: 600px;
    margin: 0 auto;
    padding: 0 var(--space-md);
}

.cta-content h2 {
    color: var(--white);
    margin-bottom: var(--space-md);
}

.cta-content p {
    color: var(--gray-300);
    font-size: 1.1rem;
    margin-bottom: var(--space-xl);
}

/* ============================================
   FOOTER
   ============================================ */
.footer {
    background: var(--gray-800);
    color: var(--gray-400);
    padding: var(--space-3xl) 0 var(--space-xl);
}

.footer-grid {
    display: grid;
    gap: var(--space-xl);
    margin-bottom: var(--space-2xl);
}

@media (min-width: 768px) {
    .footer-grid {
        grid-template-columns: 2fr 1fr 1fr 1fr;
    }
}

.footer-brand {
    max-width: 300px;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: var(--space-sm);
    margin-bottom: var(--space-md);
}

.footer-logo-icon {
    width: 40px;
    height: 40px;
    background: linear-gradient(135deg, var(--primary-main), var(--primary-light));
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
}

.footer-logo-icon svg {
    width: 24px;
    height: 24px;
}

.footer-logo-text {
    font-family: var(--font-body);
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--white);
}

.footer-description {
    font-size: 0.95rem;
    line-height: 1.7;
    margin-bottom: var(--space-lg);
}

.footer h4 {
    color: var(--white);
    font-family: var(--font-body);
    font-size: 1rem;
    font-weight: 600;
    margin-bottom: var(--space-md);
}

.footer-links {
    list-style: none;
}

.footer-links li {
    margin-bottom: var(--space-sm);
}

.footer-links a {
    color: var(--gray-400);
    font-size: 0.95rem;
    transition: var(--transition-base);
}

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

.footer-contact li {
    display: flex;
    align-items: flex-start;
    gap: var(--space-sm);
    margin-bottom: var(--space-md);
    font-size: 0.95rem;
}

.footer-contact-icon {
    color: var(--accent-gold);
}

.footer-bottom {
    padding-top: var(--space-xl);
    border-top: 1px solid var(--gray-700);
    display: flex;
    flex-direction: column;
    gap: var(--space-md);
    text-align: center;
}

@media (min-width: 768px) {
    .footer-bottom {
        flex-direction: row;
        justify-content: space-between;
        align-items: center;
        text-align: left;
    }
}

.footer-legal {
    display: flex;
    flex-wrap: wrap;
    gap: var(--space-md);
    justify-content: center;
}

@media (min-width: 768px) {
    .footer-legal {
        justify-content: flex-end;
    }
}

.footer-legal a {
    color: var(--gray-400);
    font-size: 0.9rem;
}

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

/* Tribal Disclosure */
.tribal-disclosure {
    background: var(--gray-900);
    padding: var(--space-lg);
    margin-top: var(--space-xl);
    border-radius: var(--radius-md);
}

.tribal-disclosure h5 {
    color: var(--accent-gold);
    font-family: var(--font-body);
    font-size: 0.9rem;
    font-weight: 600;
    margin-bottom: var(--space-sm);
}

.tribal-disclosure p {
    font-size: 0.85rem;
    line-height: 1.7;
    color: var(--gray-400);
    margin-bottom: 0;
}

/* ============================================
   PAGE HEADERS
   ============================================ */
.page-header {
    background: linear-gradient(135deg, var(--primary-deep) 0%, var(--primary-dark) 100%);
    padding: 140px 0 var(--space-3xl);
    text-align: center;
    position: relative;
}

.page-header::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
    opacity: 0.5;
}

.page-header-content {
    position: relative;
    z-index: 1;
}

.page-header h1 {
    color: var(--white);
    margin-bottom: var(--space-md);
}

.page-header .lead {
    color: var(--gray-300);
    max-width: 600px;
    margin: 0 auto;
}

.breadcrumb {
    display: flex;
    justify-content: center;
    gap: var(--space-sm);
    margin-bottom: var(--space-lg);
    font-size: 0.9rem;
}

.breadcrumb a {
    color: var(--gray-400);
}

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

.breadcrumb span {
    color: var(--accent-gold);
}

/* ============================================
   APPLICATION FORM
   ============================================ */
.application-form {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: var(--space-xl);
    box-shadow: var(--shadow-lg);
    max-width: 700px;
    margin: 0 auto;
}

@media (min-width: 768px) {
    .application-form {
        padding: var(--space-2xl);
    }
}

.form-row {
    display: grid;
    gap: var(--space-md);
}

@media (min-width: 480px) {
    .form-row {
        grid-template-columns: 1fr 1fr;
    }
}

.form-checkbox {
    display: flex;
    align-items: flex-start;
    gap: var(--space-sm);
}

.form-checkbox input {
    margin-top: 4px;
}

.form-checkbox label {
    font-size: 0.9rem;
    color: var(--gray-600);
    line-height: 1.5;
}

.form-divider {
    height: 1px;
    background: var(--gray-200);
    margin: var(--space-xl) 0;
}

.form-section-title {
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--gray-700);
    margin-bottom: var(--space-lg);
    padding-bottom: var(--space-sm);
    border-bottom: 2px solid var(--primary-pale);
}

/* ============================================
   BLOG CARDS
   ============================================ */
.blog-grid {
    display: grid;
    gap: var(--space-lg);
}

@media (min-width: 768px) {
    .blog-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (min-width: 992px) {
    .blog-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

.blog-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    transition: var(--transition-base);
}

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

.blog-image {
    height: 200px;
    background: linear-gradient(135deg, var(--primary-pale), var(--gray-200));
    position: relative;
    overflow: hidden;
}

.blog-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.blog-category {
    position: absolute;
    top: var(--space-md);
    left: var(--space-md);
    background: var(--accent-gold);
    color: var(--white);
    padding: var(--space-xs) var(--space-sm);
    border-radius: var(--radius-sm);
    font-size: 0.75rem;
    font-weight: 600;
    text-transform: uppercase;
}

.blog-content {
    padding: var(--space-lg);
}

.blog-meta {
    display: flex;
    gap: var(--space-md);
    margin-bottom: var(--space-sm);
    font-size: 0.85rem;
    color: var(--gray-500);
}

.blog-card h3 {
    font-size: 1.15rem;
    margin-bottom: var(--space-sm);
    line-height: 1.4;
}

.blog-card h3 a {
    color: var(--primary-deep);
}

.blog-card h3 a:hover {
    color: var(--primary-main);
}

.blog-excerpt {
    color: var(--gray-600);
    font-size: 0.95rem;
    line-height: 1.6;
    margin-bottom: var(--space-md);
}

.blog-link {
    font-weight: 600;
    color: var(--primary-main);
    display: inline-flex;
    align-items: center;
    gap: var(--space-xs);
}

/* ============================================
   CONTACT
   ============================================ */
.contact-grid {
    display: grid;
    gap: var(--space-lg);
    margin-bottom: var(--space-2xl);
}

@media (min-width: 768px) {
    .contact-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

.contact-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: var(--space-xl);
    text-align: center;
    box-shadow: var(--shadow-sm);
}

.contact-icon {
    width: 60px;
    height: 60px;
    background: var(--primary-pale);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto var(--space-md);
    font-size: 1.5rem;
    color: var(--primary-main);
}

.contact-card h4 {
    margin-bottom: var(--space-sm);
}

.contact-card p {
    color: var(--gray-600);
    margin-bottom: 0;
}

.contact-card a {
    color: var(--primary-main);
    font-weight: 600;
}

/* ============================================
   RATES TABLE
   ============================================ */
.rates-table-wrapper {
    overflow-x: auto;
}

.rates-table {
    width: 100%;
    border-collapse: collapse;
    background: var(--white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-md);
    min-width: 500px;
}

.rates-table th,
.rates-table td {
    padding: var(--space-md) var(--space-lg);
    text-align: left;
    border-bottom: 1px solid var(--gray-200);
}

.rates-table th {
    background: var(--primary-deep);
    color: var(--white);
    font-weight: 600;
    font-size: 0.9rem;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.rates-table tr:last-child td {
    border-bottom: none;
}

.rates-table tr:hover td {
    background: var(--gray-100);
}

/* ============================================
   ALERTS
   ============================================ */
.alert {
    padding: var(--space-md) var(--space-lg);
    border-radius: var(--radius-md);
    margin-bottom: var(--space-lg);
    display: flex;
    gap: var(--space-md);
    align-items: flex-start;
}

.alert-info {
    background: rgba(23, 162, 184, 0.1);
    border-left: 4px solid var(--info);
}

.alert-warning {
    background: rgba(255, 193, 7, 0.1);
    border-left: 4px solid var(--warning);
}

.alert-success {
    background: rgba(40, 167, 69, 0.1);
    border-left: 4px solid var(--success);
}

.alert-icon {
    flex-shrink: 0;
    font-size: 1.2rem;
}

.alert-content h5 {
    font-family: var(--font-body);
    font-size: 1rem;
    font-weight: 600;
    margin-bottom: var(--space-xs);
}

.alert-content p {
    margin-bottom: 0;
    font-size: 0.95rem;
}

/* ============================================
   UTILITIES
   ============================================ */
.text-center { text-align: center; }
.text-left { text-align: left; }
.text-right { text-align: right; }

.mb-0 { margin-bottom: 0; }
.mb-1 { margin-bottom: var(--space-sm); }
.mb-2 { margin-bottom: var(--space-md); }
.mb-3 { margin-bottom: var(--space-lg); }
.mb-4 { margin-bottom: var(--space-xl); }

.mt-0 { margin-top: 0; }
.mt-1 { margin-top: var(--space-sm); }
.mt-2 { margin-top: var(--space-md); }
.mt-3 { margin-top: var(--space-lg); }
.mt-4 { margin-top: var(--space-xl); }

.py-1 { padding-top: var(--space-sm); padding-bottom: var(--space-sm); }
.py-2 { padding-top: var(--space-md); padding-bottom: var(--space-md); }
.py-3 { padding-top: var(--space-lg); padding-bottom: var(--space-lg); }
.py-4 { padding-top: var(--space-xl); padding-bottom: var(--space-xl); }

.d-none { display: none; }
.d-block { display: block; }
.d-flex { display: flex; }

@media (min-width: 768px) {
    .d-md-none { display: none; }
    .d-md-block { display: block; }
    .d-md-flex { display: flex; }
}

/* ============================================
   ANIMATIONS
   ============================================ */
@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes fadeIn {
    from { opacity: 0; }
    to { opacity: 1; }
}

.animate-fade-in-up {
    animation: fadeInUp 0.6s ease forwards;
}

.animate-fade-in {
    animation: fadeIn 0.4s ease forwards;
}

/* ============================================
   PRINT STYLES
   ============================================ */
@media print {
    .header,
    .nav,
    .cta-section,
    .footer {
        display: none;
    }
    
    body {
        font-size: 12pt;
        line-height: 1.5;
    }
    
    .container {
        max-width: 100%;
    }
}

/* ============================================
   MOBILE NAVIGATION FIX
   ============================================ */
@media (max-width: 1023px) {
    .nav {
        -webkit-overflow-scrolling: touch;
    }
    
    .nav-link,
    .nav-cta .btn {
        -webkit-tap-highlight-color: transparent;
        touch-action: manipulation;
        user-select: none;
    }
    
    .nav-link:active {
        background: var(--gray-200);
    }
    
    .nav-cta .btn:active {
        transform: scale(0.98);
    }
}

/* Body scroll lock when nav is open */
body.nav-open {
    overflow: hidden;
    position: fixed;
    width: 100%;
}

/* ============================================
   HERO FORM STYLES
   ============================================ */
.hero .main-form {
    background: rgba(255, 255, 255, 0.98);
    padding: 2rem 2.5rem;
    border-radius: 20px;
    box-shadow: 0 25px 80px rgba(0, 0, 0, 0.35);
    max-width: 700px;
    margin: 2.5rem auto 0;
    min-height: 400px;
}

.hero .hero-buttons {
    margin-top: 2rem;
}

/* Form container in apply page */
.application-form .main-form {
    background: var(--white);
    padding: 2rem;
    border-radius: 16px;
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.08);
    border: 1px solid var(--gray-200);
}

@media (max-width: 768px) {
    .hero .main-form {
        padding: 1.5rem;
        margin: 1.5rem 0.5rem 0;
        min-height: 350px;
    }
}