/* ============================================================
   NORTHWOODS BANK – Homepage Wireframe 2 (Easilon Layout)
   Palette: Navy #0d2b4e | Teal #1ab8b8 | Orange #f5821e
   Fonts: Sora (body/UI) + Lora (headings/italic accents)
   ============================================================ */

:root {
  --navy:       #0d2b4e;
  --navy-mid:   #163d6a;
  --navy-light: #1e4d82;
  --teal:       #1ab8b8;
  --teal-dk:    #13999a;
  --teal-lt:    #e6f9f9;
  --orange:     #f5821e;
  --orange-dk:  #d96d0a;
  --white:      #ffffff;
  --off-white:  #f5f8fc;
  --gray-light: #e4ecf4;
  --gray:       #7a8fa6;
  --text:       #243547;
  --radius:     12px;
  --radius-sm:  8px;
  --shadow:     0 6px 30px rgba(13,43,78,0.10);
  --shadow-lg:  0 16px 48px rgba(13,43,78,0.16);
  --transition: 0.25s ease;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Sora', sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  font-size: 16px;
  overflow-x: hidden;
}
img { display: block; max-width: 100%; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
h1, h2, h3 { font-family: 'Lora', serif; line-height: 1.18; }
h4 { font-family: 'Sora', sans-serif; font-weight: 700; }

.container { max-width: 1600px; margin: 0 auto; padding: 0 24px; }
.section-pad { padding: 88px 0; }
.bg-off { background: var(--off-white); }

/* ===== EYEBROW ===== */
.eyebrow-label {
  font-family: 'Sora', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 12px;
  display: block;
}
.eyebrow-label.center { text-align: center; }

.section-title { font-size: 2rem; color: var(--navy); margin-bottom: 14px; }
.section-title.center { text-align: center; }
.section-sub {
  font-size: 0.97rem;
  color: var(--gray);
  max-width: 520px;
  margin: 0 auto 52px;
  display: block;
  text-align: center;
}

/* ===== BUTTONS ===== */
.btn-primary {
  display: inline-block;
  background: var(--teal);
  color: var(--white);
  font-family: 'Sora', sans-serif;
  font-weight: 600;
  font-size: 0.88rem;
  padding: 13px 28px;
  border-radius: 6px;
  border: none;
  cursor: pointer;
  transition: background var(--transition), transform var(--transition);
  letter-spacing: 0.02em;
}
.btn-primary:hover { background: var(--teal-dk); transform: translateY(-1px); }

.btn-outline-white {
  display: inline-block;
  background: transparent;
  color: var(--white);
  font-family: 'Sora', sans-serif;
  font-weight: 600;
  font-size: 0.88rem;
  padding: 12px 26px;
  border-radius: 6px;
  border: 2px solid rgba(255,255,255,0.55);
  transition: all var(--transition);
}
.btn-outline-white:hover { border-color: var(--white); background: rgba(255,255,255,0.1); }

.btn-outline-dark {
  display: inline-block;
  background: transparent;
  color: var(--navy);
  font-family: 'Sora', sans-serif;
  font-weight: 600;
  font-size: 0.88rem;
  padding: 12px 26px;
  border-radius: 6px;
  border: 2px solid var(--navy);
  transition: all var(--transition);
}
.btn-outline-dark:hover { background: var(--navy); color: var(--white); }

/* ===== TOP BAR ===== */
.topbar {
  background: var(--navy);
  padding: 7px 0;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.65);
}
.topbar-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.topbar-left, .topbar-right { display: flex; gap: 20px; align-items: center; }
.topbar-right a { color: rgba(255,255,255,0.65); transition: color var(--transition); }
.topbar-right a:hover { color: var(--teal); }
.btn-apply {
  background: var(--teal) !important;
  color: var(--white) !important;
  padding: 5px 16px;
  border-radius: 4px;
  font-weight: 600;
  font-size: 0.76rem;
  letter-spacing: 0.04em;
  transition: background var(--transition) !important;
}
.btn-apply:hover { background: var(--teal-dk) !important; }

/* ===== HEADER ===== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--white);
  border-bottom: 1px solid var(--gray-light);
  box-shadow: 0 2px 16px rgba(13,43,78,0.07);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 24px;
  gap: 20px;
}
.logo { display: flex; align-items: center; gap: 12px; }
.logo-mark {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  background: var(--navy);
  color: var(--white);
  font-family: 'Sora', sans-serif;
  font-weight: 700;
  font-size: 1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  letter-spacing: -0.02em;
}
.logo-text strong {
  display: block;
  font-family: 'Sora', sans-serif;
  font-weight: 700;
  font-size: 0.88rem;
  color: var(--navy);
  letter-spacing: 0.05em;
}
.logo-text em {
  display: block;
  font-style: italic;
  font-size: 0.7rem;
  color: var(--orange);
  font-weight: 400;
}
.main-nav { display: flex; align-items: center; gap: 4px; }
.main-nav a {
  font-family: 'Sora', sans-serif;
  font-weight: 500;
  font-size: 0.875rem;
  color: var(--text);
  padding: 8px 13px;
  border-radius: 6px;
  transition: color var(--transition), background var(--transition);
}
.main-nav a:hover { color: var(--teal); background: var(--teal-lt); }
.nav-search {
  font-size: 1.1rem;
  padding: 7px 10px !important;
}
.btn-header-cta {
  background: var(--orange);
  color: var(--white);
  font-family: 'Sora', sans-serif;
  font-weight: 600;
  font-size: 0.85rem;
  padding: 10px 22px;
  border-radius: 6px;
  transition: background var(--transition);
  white-space: nowrap;
}
.btn-header-cta:hover { background: var(--orange-dk); }
.hamburger {
  display: none;
  background: none;
  border: none;
  font-size: 1.5rem;
  cursor: pointer;
  color: var(--navy);
}

/* ===== HERO ===== */
.hero {
  position: relative;
  min-height: 600px;
  display: flex;
  align-items: center;
  overflow: hidden;
}
.hero-bg-wrap { position: absolute; inset: 0; z-index: 0; }
.hero-bg-img { width: 100%; height: 100%; object-fit: cover; object-position: center 25%; }
.hero-bg-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg, rgba(8,22,44,0.88) 40%, rgba(8,22,44,0.40) 100%);
}
.hero-inner {
  position: relative;
  z-index: 2;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 48px;
  padding: 80px 24px;
  max-width: 1160px;
  margin: 0 auto;
  width: 100%;
}
.hero-text { max-width: 520px; }
.hero-eyebrow {
  display: inline-block;
  font-family: 'Sora', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--teal);
  background: rgba(26,184,184,0.15);
  padding: 5px 14px;
  border-radius: 20px;
  margin-bottom: 22px;
  border: 1px solid rgba(26,184,184,0.3);
}
.hero-text h1 {
  font-family: 'Lora', serif;
  font-size: clamp(2.2rem, 4.5vw, 3.4rem);
  color: var(--white);
  margin-bottom: 18px;
  font-weight: 600;
}
.hero-text h1 em { color: var(--teal); font-style: italic; }
.hero-text p {
  font-size: 1rem;
  color: rgba(255,255,255,0.78);
  margin-bottom: 32px;
  line-height: 1.75;
}
.hero-btns { display: flex; gap: 14px; flex-wrap: wrap; }

/* Hero card */
.hero-card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  width: 320px;
  flex-shrink: 0;
  overflow: hidden;
}
.hero-card-header {
  background: var(--navy);
  padding: 20px 24px;
}
.hero-card-tag {
  font-family: 'Sora', sans-serif;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  color: var(--teal);
  text-transform: uppercase;
  display: block;
  margin-bottom: 6px;
}
.hero-card-header h3 {
  font-family: 'Sora', sans-serif;
  font-weight: 700;
  font-size: 1rem;
  color: var(--white);
}
.hero-card-body { padding: 20px 24px; }
.form-group { margin-bottom: 14px; }
.form-group label {
  display: block;
  font-size: 0.74rem;
  font-weight: 600;
  color: var(--gray);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 5px;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 10px 12px;
  border: 1.5px solid var(--gray-light);
  border-radius: var(--radius-sm);
  font-family: 'Sora', sans-serif;
  font-size: 0.85rem;
  color: var(--text);
  background: var(--white);
  transition: border-color var(--transition);
  appearance: none;
}
.form-group textarea { height: 70px; resize: none; }
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--teal);
}
.btn-card-submit {
  width: 100%;
  background: var(--teal);
  color: var(--white);
  border: none;
  border-radius: var(--radius-sm);
  font-family: 'Sora', sans-serif;
  font-weight: 600;
  font-size: 0.88rem;
  padding: 12px;
  cursor: pointer;
  transition: background var(--transition);
  letter-spacing: 0.02em;
}
.btn-card-submit:hover { background: var(--teal-dk); }

/* ===== STATS SPLIT ===== */
.stats-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-height: 460px;
}
.stats-image-col {
  position: relative;
  overflow: hidden;
}
.stats-image-col img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.stats-badge {
  position: absolute;
  bottom: 32px;
  right: 32px;
  background: var(--orange);
  color: var(--white);
  border-radius: var(--radius);
  padding: 16px 22px;
  text-align: center;
  box-shadow: 0 8px 24px rgba(245,130,30,0.35);
}
.badge-number {
  display: block;
  font-family: 'Lora', serif;
  font-size: 2rem;
  font-weight: 600;
  line-height: 1;
}
.badge-label {
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  opacity: 0.88;
}
.stats-content-col {
  background: var(--off-white);
  padding: 60px 56px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.stats-content-col h2 {
  font-size: 2rem;
  color: var(--navy);
  margin-bottom: 16px;
}
.stats-content-col > p {
  color: var(--gray);
  font-size: 0.95rem;
  line-height: 1.75;
  margin-bottom: 24px;
}
.check-list { margin-bottom: 30px; display: flex; flex-direction: column; gap: 10px; }
.check-list li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text);
}
.check {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--teal);
  color: var(--white);
  font-size: 0.7rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-weight: 700;
}

/* ===== TICKER ===== */
.ticker-wrap {
  background: var(--navy);
  padding: 16px 0;
  overflow: hidden;
  white-space: nowrap;
}
.ticker-track {
  display: inline-flex;
  align-items: center;
  gap: 24px;
  animation: ticker 32s linear infinite;
  will-change: transform;
}
.ticker-track span {
  font-family: 'Sora', sans-serif;
  font-weight: 700;
  font-size: 1rem;
  letter-spacing: 0.08em;
  color: var(--white);
  text-transform: uppercase;
  white-space: nowrap;
}
.ticker-dot { color: var(--teal) !important; font-size: 0.6rem !important; }
@keyframes ticker {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* ===== LOAN TYPES ===== */
.loan-types-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.loan-list-col h2 { font-size: 2rem; color: var(--navy); margin-bottom: 12px; }
.loan-list-col > p { color: var(--gray); font-size: 0.93rem; margin-bottom: 28px; line-height: 1.75; }
.loan-list { display: flex; flex-direction: column; gap: 0; }
.loan-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 16px 18px;
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: background var(--transition);
  border-left: 3px solid transparent;
}
.loan-item:hover, .loan-item.active {
  background: var(--teal-lt);
  border-left-color: var(--teal);
}
.loan-num {
  font-family: 'Lora', serif;
  font-weight: 600;
  font-size: 1.1rem;
  color: var(--teal);
  min-width: 28px;
  margin-top: 2px;
}
.loan-item strong {
  display: block;
  font-size: 0.93rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 3px;
}
.loan-item p { font-size: 0.83rem; color: var(--gray); line-height: 1.6; margin: 0; }
.loan-image-col { position: relative; }
.loan-image-col img {
  border-radius: var(--radius);
  width: 100%;
  height: 380px;
  object-fit: cover;
  box-shadow: var(--shadow);
}
.loan-image-card {
  position: absolute;
  bottom: -20px;
  left: -20px;
  background: var(--white);
  border-radius: var(--radius-sm);
  padding: 14px 18px;
  display: flex;
  align-items: center;
  gap: 12px;
  box-shadow: var(--shadow);
}
.lic-icon { font-size: 1.5rem; }
.loan-image-card strong { display: block; font-size: 0.88rem; color: var(--navy); font-weight: 700; }
.loan-image-card span { font-size: 0.75rem; color: var(--gray); }

/* ===== QEF ===== */
.qef-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.qef-image-col { position: relative; }
.qef-image-col img {
  border-radius: var(--radius);
  width: 100%;
  height: 420px;
  object-fit: cover;
  box-shadow: var(--shadow);
  position: relative;
  z-index: 1;
}
.qef-shape {
  position: absolute;
  top: -20px;
  left: -20px;
  width: 180px;
  height: 180px;
  background: var(--teal-lt);
  border-radius: 50%;
  z-index: 0;
}
.qef-content-col h2 { font-size: 2rem; color: var(--navy); margin-bottom: 12px; }
.qef-content-col > p { color: var(--gray); font-size: 0.93rem; line-height: 1.75; margin-bottom: 28px; }
.qef-features { display: flex; flex-direction: column; gap: 20px; }
.qef-feat {
  display: flex;
  align-items: flex-start;
  gap: 16px;
}
.qef-icon {
  font-size: 1.4rem;
  background: var(--teal-lt);
  width: 46px;
  height: 46px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  border: 1px solid rgba(26,184,184,0.2);
}
.qef-feat strong { display: block; font-size: 0.92rem; color: var(--navy); margin-bottom: 3px; font-weight: 700; }
.qef-feat p { font-size: 0.84rem; color: var(--gray); line-height: 1.65; margin: 0; }

/* ===== PROCESS ===== */
.process-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  position: relative;
  margin-top: 8px;
}
.process-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  position: relative;
}
.step-circle {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--teal);
  color: var(--white);
  font-family: 'Lora', serif;
  font-weight: 600;
  font-size: 1.2rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
  position: relative;
  z-index: 2;
  box-shadow: 0 4px 16px rgba(26,184,184,0.35);
}
.step-circle.step-end { background: var(--orange); box-shadow: 0 4px 16px rgba(245,130,30,0.35); }
.step-connector {
  position: absolute;
  top: 26px;
  left: calc(50% + 26px);
  right: calc(-50% + 26px);
  height: 2px;
  background: linear-gradient(to right, var(--teal), rgba(26,184,184,0.3));
  z-index: 1;
}
.process-step:last-child .step-connector { display: none; }
.step-img {
  width: 100%;
  height: 140px;
  object-fit: cover;
  border-radius: var(--radius-sm);
  margin-bottom: 14px;
  box-shadow: 0 4px 16px rgba(13,43,78,0.10);
}
.process-step h4 {
  font-size: 0.9rem;
  color: var(--navy);
  margin-bottom: 6px;
  font-weight: 700;
}
.process-step p { font-size: 0.82rem; color: var(--gray); line-height: 1.65; }

/* ===== CORE VALUES ===== */
.core-values {
  position: relative;
  padding: 88px 0;
  overflow: hidden;
}
.cv-bg-wrap { position: absolute; inset: 0; z-index: 0; }
.cv-bg-img { width: 100%; height: 100%; object-fit: cover; }
.cv-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg, rgba(6,17,36,0.94) 50%, rgba(6,17,36,0.55));
}
.cv-inner { position: relative; z-index: 2; max-width: 560px; }
.cv-inner h2 { font-size: 2.2rem; color: var(--white); margin-bottom: 24px; }
.cv-tabs { display: flex; gap: 8px; margin-bottom: 22px; flex-wrap: wrap; }
.cv-tab {
  font-family: 'Sora', sans-serif;
  font-size: 0.8rem;
  font-weight: 600;
  padding: 7px 18px;
  border-radius: 4px;
  border: 1.5px solid rgba(255,255,255,0.25);
  color: rgba(255,255,255,0.65);
  background: transparent;
  cursor: pointer;
  transition: all var(--transition);
}
.cv-tab:hover, .cv-tab.active {
  background: var(--teal);
  border-color: var(--teal);
  color: var(--white);
}
.cv-body {
  font-size: 0.95rem;
  color: rgba(255,255,255,0.75);
  line-height: 1.8;
  margin-bottom: 28px;
}
.cv-contact {
  display: flex;
  align-items: center;
  gap: 14px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-sm);
  padding: 14px 18px;
  max-width: 260px;
  backdrop-filter: blur(6px);
}
.cv-phone-icon { font-size: 1.4rem; }
.cv-contact small { display: block; font-size: 0.73rem; color: rgba(255,255,255,0.55); margin-bottom: 2px; }
.cv-contact strong { color: var(--white); font-size: 1rem; font-weight: 700; }

/* ===== TEAM ===== */
.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.team-card {
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: transform var(--transition), box-shadow var(--transition);
}
.team-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); }
.team-card img {
  width: 100%;
  height: 260px;
  object-fit: cover;
  object-position: center 20%;
}
.team-footer {
  background: var(--navy);
  padding: 16px 20px;
}
.team-footer strong {
  display: block;
  font-family: 'Sora', sans-serif;
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--white);
  margin-bottom: 2px;
}
.team-footer span { font-size: 0.78rem; color: var(--teal); font-weight: 500; }

/* ===== FAQ ===== */
.faq-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}
.faq-image-col { position: relative; }
.faq-image-col img {
  border-radius: var(--radius);
  width: 100%;
  height: 420px;
  object-fit: cover;
  box-shadow: var(--shadow);
  position: relative;
  z-index: 1;
}
.faq-shape-accent {
  position: absolute;
  bottom: -24px;
  right: -24px;
  width: 200px;
  height: 200px;
  border-radius: var(--radius);
  background: var(--teal-lt);
  z-index: 0;
}
.faq-content-col h2 { font-size: 2rem; color: var(--navy); margin-bottom: 28px; }
.accordion { display: flex; flex-direction: column; gap: 8px; }
.acc-item {
  border: 1.5px solid var(--gray-light);
  border-radius: var(--radius-sm);
  overflow: hidden;
  transition: border-color var(--transition);
}
.acc-item.active { border-color: var(--teal); }
.acc-trigger {
  width: 100%;
  background: none;
  border: none;
  padding: 16px 20px;
  text-align: left;
  font-family: 'Sora', sans-serif;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  transition: background var(--transition);
}
.acc-trigger:hover { background: var(--off-white); }
.acc-item.active .acc-trigger { background: var(--teal-lt); }
.acc-icon {
  font-size: 1.2rem;
  color: var(--teal);
  font-weight: 400;
  transition: transform var(--transition);
  flex-shrink: 0;
}
.acc-item.active .acc-icon { transform: rotate(45deg); }
.acc-panel {
  display: none;
  padding: 0 20px 16px;
  background: var(--teal-lt);
}
.acc-item.active .acc-panel { display: block; }
.acc-panel p { font-size: 0.87rem; color: var(--gray); line-height: 1.75; }

/* ===== TESTI STATS ===== */
.testi-stats-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  align-items: start;
}
.testi-card {
  background: var(--navy);
  border-radius: var(--radius);
  padding: 36px 32px;
  color: var(--white);
  height: 100%;
}
.testi-quote-mark {
  font-family: 'Lora', serif;
  font-size: 4rem;
  color: var(--teal);
  line-height: 0.7;
  margin-bottom: 16px;
  opacity: 0.6;
}
.testi-stars { color: var(--orange); font-size: 1rem; margin-bottom: 16px; letter-spacing: 2px; }
.testi-card p {
  font-size: 0.95rem;
  color: rgba(255,255,255,0.8);
  line-height: 1.8;
  font-style: italic;
  margin-bottom: 24px;
}
.testi-author { display: flex; align-items: center; gap: 12px; }
.testi-avatar {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: var(--teal);
  color: var(--white);
  font-family: 'Lora', serif;
  font-size: 1.1rem;
  font-weight: 600;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.testi-author strong { display: block; font-size: 0.9rem; color: var(--white); }
.testi-author small { font-size: 0.77rem; color: rgba(255,255,255,0.5); }

.stat-cards-col { display: flex; flex-direction: column; gap: 16px; }
.mini-stat-card {
  background: var(--white);
  border-radius: var(--radius-sm);
  padding: 20px 22px;
  box-shadow: var(--shadow);
  border-left: 4px solid var(--orange);
}
.mini-stat-card.teal-border { border-left-color: var(--teal); }
.msc-num {
  display: block;
  font-family: 'Lora', serif;
  font-size: 2rem;
  font-weight: 600;
  line-height: 1;
  margin-bottom: 2px;
}
.msc-num.orange { color: var(--orange); }
.msc-num.teal { color: var(--teal); }
.msc-num-label {
  display: block;
  font-size: 0.73rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--gray);
  margin-bottom: 10px;
}
.msc-bar {
  height: 4px;
  background: var(--gray-light);
  border-radius: 2px;
  margin-bottom: 10px;
  overflow: hidden;
}
.msc-fill { height: 100%; background: var(--orange); border-radius: 2px; }
.msc-fill.teal { background: var(--teal); }
.mini-stat-card p { font-size: 0.82rem; color: var(--gray); line-height: 1.6; }

/* ===== APP CTA ===== */
.app-cta-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.app-cta-images { position: relative; display: flex; justify-content: center; }
.app-img-main {
  border-radius: var(--radius);
  width: 100%;
  max-width: 380px;
  height: 340px;
  object-fit: cover;
  box-shadow: var(--shadow-lg);
  z-index: 2;
  position: relative;
}
.app-img-secondary {
  position: absolute;
  bottom: -24px;
  right: -8px;
  width: 140px;
  height: 180px;
  object-fit: cover;
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-lg);
  border: 4px solid var(--white);
  z-index: 3;
}
.app-cta-content h2 { font-size: 2rem; color: var(--navy); margin-bottom: 14px; }
.app-cta-content > p { color: var(--gray); font-size: 0.93rem; line-height: 1.75; margin-bottom: 22px; }
.app-features {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px 20px;
  margin-bottom: 28px;
}
.app-features li {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text);
}
.app-features li span {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--teal);
  color: var(--white);
  font-size: 0.65rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-weight: 700;
}
.app-btns { display: flex; gap: 14px; flex-wrap: wrap; }

/* ===== BLOG ===== */
.blog-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  margin-bottom: 40px;
}
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.blog-card {
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: transform var(--transition), box-shadow var(--transition);
  background: var(--white);
}
.blog-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.blog-img-wrap { position: relative; overflow: hidden; }
.blog-img-wrap img {
  width: 100%;
  height: 190px;
  object-fit: cover;
  transition: transform 0.4s ease;
}
.blog-card:hover .blog-img-wrap img { transform: scale(1.04); }
.blog-cat {
  position: absolute;
  top: 12px;
  left: 12px;
  background: var(--teal);
  color: var(--white);
  font-size: 0.7rem;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: 4px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.blog-body { padding: 20px 22px; }
.blog-date { font-size: 0.76rem; color: var(--gray); display: block; margin-bottom: 8px; }
.blog-body h4 {
  font-size: 0.95rem;
  color: var(--navy);
  margin-bottom: 8px;
  line-height: 1.4;
  font-weight: 700;
}
.blog-body p { font-size: 0.84rem; color: var(--gray); line-height: 1.7; margin-bottom: 14px; }
.blog-read {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--teal);
  transition: color var(--transition);
}
.blog-read:hover { color: var(--teal-dk); }

/* ===== BOTTOM CTA BAR ===== */
.bottom-cta {
  background: var(--teal);
  padding: 24px 0;
}
.bottom-cta-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
}
.bottom-cta h3 {
  font-family: 'Sora', sans-serif;
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--white);
}
.btn-cta-bar {
  background: var(--white);
  color: var(--teal);
  font-family: 'Sora', sans-serif;
  font-weight: 700;
  font-size: 0.88rem;
  padding: 12px 26px;
  border-radius: 6px;
  transition: all var(--transition);
  white-space: nowrap;
}
.btn-cta-bar:hover { background: var(--navy); color: var(--white); }

/* ===== FOOTER ===== */
.site-footer {
  background: var(--navy);
  padding: 64px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 16px;
}
.footer-logo-mark {
  width: 40px;
  height: 40px;
  border-radius: 8px;
  background: var(--teal);
  color: var(--white);
  font-family: 'Sora', sans-serif;
  font-weight: 700;
  font-size: 0.95rem;
  display: flex;
  align-items: center;
  justify-content: center;
}
.footer-logo strong {
  display: block;
  font-family: 'Sora', sans-serif;
  font-weight: 700;
  font-size: 0.85rem;
  color: var(--white);
  letter-spacing: 0.05em;
}
.footer-logo em {
  display: block;
  font-style: italic;
  font-size: 0.68rem;
  color: var(--orange);
}
.footer-brand > p {
  font-size: 0.84rem;
  color: rgba(255,255,255,0.50);
  line-height: 1.75;
  margin-bottom: 14px;
}
.footer-contact-items p {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.55);
  margin-bottom: 4px;
}
.footer-fdic {
  display: inline-block;
  border: 1px solid rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.5);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  padding: 4px 10px;
  border-radius: 4px;
  margin-top: 14px;
}
.footer-col h5 {
  font-family: 'Sora', sans-serif;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.footer-col ul { display: flex; flex-direction: column; gap: 9px; }
.footer-col ul a {
  font-size: 0.84rem;
  color: rgba(255,255,255,0.50);
  transition: color var(--transition);
}
.footer-col ul a:hover { color: var(--teal); }
.footer-bottom {
  padding: 18px 0;
  background: rgba(0,0,0,0.2);
}
.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
}
.footer-bottom p { font-size: 0.78rem; color: rgba(255,255,255,0.30); }
.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom-links a { font-size: 0.78rem; color: rgba(255,255,255,0.35); transition: color var(--transition); }
.footer-bottom-links a:hover { color: var(--teal); }

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .hero-card { width: 280px; }
  .footer-grid { grid-template-columns: 1fr 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
}

@media (max-width: 900px) {
  .hero-card { display: none; }
  .stats-split { grid-template-columns: 1fr; }
  .stats-image-col { height: 300px; }
  .loan-types-inner,
  .qef-inner,
  .faq-inner,
  .testi-stats-inner,
  .app-cta-inner { grid-template-columns: 1fr; gap: 36px; }
  .process-steps { grid-template-columns: 1fr 1fr; }
  .team-grid { grid-template-columns: 1fr 1fr 1fr; }
  .blog-grid { grid-template-columns: 1fr 1fr; }
  .faq-shape-accent { display: none; }
  .loan-image-card { left: 12px; bottom: 12px; }
}

@media (max-width: 640px) {
  .topbar-left { display: none; }
  .main-nav { display: none; }
  .hamburger { display: block; }
  .btn-header-cta { display: none; }
  .process-steps { grid-template-columns: 1fr; }
  .step-connector { display: none; }
  .team-grid { grid-template-columns: 1fr; }
  .blog-grid { grid-template-columns: 1fr; }
  .bottom-cta-inner { flex-direction: column; text-align: center; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
  .footer-bottom-inner { flex-direction: column; text-align: center; }
  .app-cta-images { display: none; }
  .section-pad { padding: 60px 0; }
  .stats-content-col { padding: 40px 28px; }
  .blog-header { flex-direction: column; align-items: flex-start; gap: 14px; }
}