/* ==========================================================================
   TOP DEAL FINANCE — Clean White Editorial Theme
   Inspired by Mortgage Pros (mortgagepros.com.au)
   Brand Colors: Crisp White, Deep Black Typography, Luxury Gold Accents
   Broker: Varjeet Singh (ACR #566790) | Sydney & Western Sydney
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,500;0,600;0,700;1,400&family=Plus+Jakarta+Sans:wght@400;500;600;700;800&family=Inter:wght@300;400;500;600;700&display=swap');

:root {
  /* White & Light Neutral Palette */
  --bg-primary: #FFFFFF;
  --bg-secondary: #F8FAFC;
  --bg-tertiary: #F1F5F9;
  --bg-card: #FFFFFF;
  
  /* Black & Deep Charcoal Typography */
  --text-primary: #0A0A0A;
  --text-secondary: #1F2937;
  --text-muted: #4B5563;
  --text-subtle: #6B7280;
  
  /* Brand Gold Accents (from Top Deal Finance Medallion Logo) */
  --gold-primary: #C5A059;
  --gold-hover: #B38E46;
  --gold-dark: #9E7A32;
  --gold-light: #FAF6ED;
  --gold-light-border: rgba(197, 160, 89, 0.3);
  --gold-gradient: linear-gradient(135deg, #DFBD7E 0%, #C5A059 50%, #A47D2E 100%);
  --gold-glow: 0 4px 20px rgba(197, 160, 89, 0.25);
  
  /* High-Contrast Black Buttons & Elements */
  --black-primary: #0A0A0A;
  --black-secondary: #181E29;
  --black-hover: #262E3D;
  
  /* Crisp Borders & Dividers */
  --border-light: #E5E7EB;
  --border-subtle: #F3F4F6;
  --border-strong: #D1D5DB;
  
  /* Elevation Shadows */
  --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.05), 0 1px 2px rgba(0, 0, 0, 0.03);
  --shadow-md: 0 4px 14px rgba(0, 0, 0, 0.05), 0 2px 6px rgba(0, 0, 0, 0.03);
  --shadow-lg: 0 12px 30px rgba(0, 0, 0, 0.07);
  --shadow-hover: 0 20px 40px rgba(0, 0, 0, 0.1);
  --shadow-card: 0 2px 8px rgba(0, 0, 0, 0.04), 0 0 1px rgba(0, 0, 0, 0.08);

  /* Radii */
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 18px;
  --radius-xl: 24px;
  --radius-pill: 9999px;

  /* Typography Stacks */
  --font-serif: 'Playfair Display', Georgia, serif;
  --font-heading: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;

  /* Transitions */
  --transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
}

/* Global Reset */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

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

body {
  font-family: var(--font-body);
  background-color: var(--bg-primary);
  color: var(--text-secondary);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
  padding-bottom: 84px; /* ample space for mobile floating contact bar */
}

@media (min-width: 992px) {
  body {
    padding-bottom: 0;
  }
}

section[id] {
  scroll-margin-top: 85px;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  color: var(--text-primary);
  font-weight: 700;
  line-height: 1.25;
  letter-spacing: -0.02em;
}

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

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

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

button {
  font-family: inherit;
  border: none;
  background: none;
  cursor: pointer;
  transition: var(--transition);
}

.container {
  width: 100%;
  max-width: 1240px;
  margin-left: auto;
  margin-right: auto;
  padding-left: 24px;
  padding-right: 24px;
}

/* ==========================================================================
   Top Announcement Bar (Mortgage Pros style)
   ========================================================================== */
.top-bar {
  display: none !important;
}

.top-bar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}

.top-bar-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 500;
}

.top-bar-stars {
  color: #FFC107;
  letter-spacing: 1px;
}

.top-bar-right {
  display: flex;
  align-items: center;
  gap: 20px;
  font-weight: 500;
}

.top-bar-hours {
  color: #D1D5DB;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.top-bar-hours::before {
  content: "";
  display: inline-block;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background-color: #10B981;
}

.top-bar-phone {
  color: #FFFFFF;
  font-weight: 700;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.top-bar-phone:hover {
  color: var(--gold-primary);
}

@media (max-width: 768px) {
  .top-bar-hours {
    display: none;
  }
  .top-bar-inner {
    justify-content: center;
    text-align: center;
  }
}

/* ==========================================================================
   Header Navigation (Crisp White Background)
   ========================================================================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background-color: #11141A;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.25);
  transition: var(--transition);
}

.site-header.scrolled {
  background-color: rgba(17, 20, 26, 0.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.4);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 0;
  gap: 20px;
}

.brand-wrapper {
  display: flex;
  align-items: center;
  gap: 14px;
  text-decoration: none;
  min-width: 0;
}

.brand-logo-img {
  width: 50px;
  height: 50px;
  border-radius: var(--radius-md);
  object-fit: contain;
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.3);
  border: 1.5px solid var(--gold-light-border);
  background-color: #0B0F17;
  flex-shrink: 0;
}

.brand-text-col {
  display: flex;
  flex-direction: column;
  min-width: 0;
}

.brand-title {
  font-family: var(--font-heading);
  font-size: 1.22rem;
  font-weight: 800;
  color: #FFFFFF;
  letter-spacing: -0.01em;
  line-height: 1.15;
  white-space: nowrap;
}

.brand-title span {
  color: var(--gold-primary);
}

.brand-tagline {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #94A3B8;
  white-space: nowrap;
}

@media (max-width: 768px) {
  .header-inner {
    padding: 10px 0;
    gap: 10px;
  }
  .brand-wrapper {
    gap: 10px;
    flex: 1;
  }
  .brand-logo-img {
    width: 40px;
    height: 40px;
  }
  .brand-title {
    font-size: clamp(0.96rem, 4.4vw, 1.15rem);
  }
  .brand-tagline {
    font-size: 0.58rem;
    letter-spacing: 0.08em;
  }
}

.nav-links {
  display: none;
  list-style: none;
  align-items: center;
  gap: 32px;
}

@media (min-width: 1024px) {
  .nav-links {
    display: flex;
  }
}

.nav-item {
  position: relative;
}

.nav-link {
  font-size: 0.96rem;
  font-weight: 600;
  color: #E2E8F0;
  padding: 12px 4px;
  position: relative;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.nav-link:hover, .nav-item.active .nav-link {
  color: var(--gold-primary);
}

.nav-link::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2px;
  background-color: var(--gold-primary);
  transition: width 0.2s ease;
}

.nav-link:hover::after, .nav-item.active .nav-link::after {
  width: 100%;
}

.nav-chevron {
  font-size: 0.7rem;
  transition: transform 0.2s ease;
}

.nav-item-dropdown:hover .nav-chevron {
  transform: rotate(180deg);
}

/* Services Dropdown Card (Desktop) */
.dropdown-menu {
  position: absolute;
  top: 100%;
  left: -20px;
  width: 480px;
  background-color: #161B22;
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-top: 3px solid var(--gold-primary);
  border-radius: 0 0 var(--radius-lg) var(--radius-lg);
  box-shadow: 0 16px 40px rgba(0, 0, 0, 0.5);
  padding: 16px;
  display: none;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
  z-index: 1010;
  animation: dropdownFade 0.2s cubic-bezier(0.16, 1, 0.3, 1);
}

@keyframes dropdownFade {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

.nav-item-dropdown:hover .dropdown-menu,
.nav-item-dropdown:focus-within .dropdown-menu {
  display: grid;
}

.dropdown-item {
  display: block;
  padding: 10px 14px;
  border-radius: var(--radius-md);
  transition: var(--transition);
  text-decoration: none;
}

.dropdown-item:hover {
  background-color: rgba(255, 255, 255, 0.06);
}

.dropdown-item-content {
  display: flex;
  flex-direction: column;
}

.dropdown-item-title {
  font-size: 0.88rem;
  font-weight: 700;
  color: #FFFFFF;
  line-height: 1.25;
}

.dropdown-item:hover .dropdown-item-title {
  color: var(--gold-primary);
}

.dropdown-item-desc {
  font-size: 0.74rem;
  color: #94A3B8;
  line-height: 1.35;
  margin-top: 3px;
}

.header-cta-group {
  display: flex;
  align-items: center;
  gap: 12px;
}

@media (max-width: 768px) {
  .header-cta-group {
    gap: 8px;
  }
  .header-cta-group .btn-gold {
    display: none !important; /* Eliminates collision with brand heading; floating bottom bar & mobile menu give instant 1-tap booking */
  }
}

.header-phone-btn {
  display: none;
  align-items: center;
  gap: 8px;
  font-weight: 700;
  font-size: 0.92rem;
  color: #FFFFFF;
  padding: 8px 14px;
  border-radius: var(--radius-full);
  border: 1px solid rgba(255, 255, 255, 0.16);
  background-color: rgba(255, 255, 255, 0.06);
}

.header-phone-btn:hover {
  border-color: var(--gold-primary);
  color: var(--gold-primary);
  background-color: rgba(197, 160, 89, 0.12);
}

@media (min-width: 768px) {
  .header-phone-btn {
    display: inline-flex;
  }
}

/* Buttons */
.btn-gold {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: var(--gold-gradient);
  color: #0A0A0A;
  font-weight: 700;
  font-size: 0.94rem;
  padding: 12px 24px;
  border-radius: var(--radius-full);
  box-shadow: 0 4px 14px rgba(197, 160, 89, 0.3);
  cursor: pointer;
  transition: var(--transition);
  text-decoration: none;
  white-space: nowrap;
}

.btn-gold:hover {
  background: linear-gradient(135deg, #ECC888 0%, #D4AF37 50%, #B88E28 100%);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(197, 160, 89, 0.4);
  color: #000000;
}

.btn-black {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background-color: var(--black-primary);
  color: #FFFFFF;
  font-weight: 700;
  font-size: 0.94rem;
  padding: 12px 24px;
  border-radius: var(--radius-full);
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.15);
  cursor: pointer;
  transition: var(--transition);
  text-decoration: none;
  white-space: nowrap;
  border: 1px solid var(--black-primary);
}

.btn-black:hover {
  background-color: var(--black-hover);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(0, 0, 0, 0.25);
  color: #FFFFFF;
}

.btn-outline-black {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background-color: #FFFFFF;
  color: var(--text-primary);
  font-weight: 700;
  font-size: 0.94rem;
  padding: 11px 22px;
  border-radius: var(--radius-full);
  border: 1.5px solid var(--text-primary);
  cursor: pointer;
  transition: var(--transition);
  text-decoration: none;
  white-space: nowrap;
}

.btn-outline-black:hover {
  background-color: var(--text-primary);
  color: #FFFFFF;
  transform: translateY(-2px);
}

.menu-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  border-radius: var(--radius-sm);
  background-color: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.16);
  color: #FFFFFF;
  font-size: 1.35rem;
  cursor: pointer;
}

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

/* Mobile Nav Drawer */
.mobile-nav {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  width: 100%;
  background-color: #11141A;
  border-bottom: 2px solid var(--gold-primary);
  box-shadow: 0 10px 25px rgba(0, 0, 0, 0.5);
  padding: 20px 24px;
  z-index: 999;
}

.mobile-nav.active {
  display: block;
}

.mobile-nav-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.mobile-nav-item a {
  font-size: 1.05rem;
  font-weight: 600;
  color: #FFFFFF;
  display: block;
  padding: 8px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.mobile-nav-item a:hover {
  color: var(--gold-primary);
}

.mobile-nav-actions {
  margin-top: 18px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

/* ==========================================================================
   Hero Section (Luxury Dark Theme with 3D Brand Banner Mockup)
   ========================================================================== */
.hero-section {
  background: radial-gradient(circle at 80% 25%, rgba(197, 160, 89, 0.12) 0%, transparent 65%), #11141A;
  padding: 56px 0 72px 0;
  position: relative;
  overflow: hidden;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
  align-items: center;
}

@media (min-width: 992px) {
  .hero-grid {
    grid-template-columns: 1.15fr 0.85fr;
    gap: 56px;
  }
}

.hero-kicker {
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-primary);
  margin-bottom: 18px;
  display: inline-block;
}

.hero-title {
  font-family: var(--font-serif);
  font-size: clamp(2.3rem, 5.2vw, 3.75rem);
  font-weight: 600;
  line-height: 1.15;
  letter-spacing: -0.015em;
  margin-bottom: 22px;
}

.hero-title-light {
  color: #FFFFFF;
  display: block;
}

.hero-title-gold {
  color: #DFBD7E;
  background: linear-gradient(135deg, #F3DEB2 0%, #D4AF37 50%, #B88E28 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  display: block;
}

.hero-subtitle {
  font-size: 1.08rem;
  line-height: 1.68;
  color: #94A3B8;
  margin-bottom: 30px;
  max-width: 580px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 16px;
  margin-bottom: 26px;
}

.btn-hero-secondary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background-color: rgba(255, 255, 255, 0.05);
  color: #F8FAFC;
  font-weight: 600;
  font-size: 0.94rem;
  padding: 12px 24px;
  border-radius: var(--radius-full);
  border: 1.5px solid rgba(255, 255, 255, 0.22);
  cursor: pointer;
  transition: var(--transition);
  text-decoration: none;
  white-space: nowrap;
}

.btn-hero-secondary:hover {
  background-color: rgba(255, 255, 255, 0.12);
  border-color: var(--gold-primary);
  color: #DFBD7E;
  transform: translateY(-2px);
}

.hero-guarantee {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  font-weight: 500;
  color: #64748B;
}

.hero-guarantee svg {
  color: var(--gold-primary);
  flex-shrink: 0;
}

/* Hero Right Visual Column - 3D Brand Banner Showcase */
.hero-visual-col {
  display: flex;
  justify-content: center;
  align-items: center;
}

.hero-banner-frame {
  position: relative;
  width: 100%;
  max-width: 440px;
  aspect-ratio: 1 / 1;
  border-radius: 20px;
  overflow: hidden;
  border: 1px solid rgba(197, 160, 89, 0.35);
  box-shadow: 0 24px 60px rgba(0, 0, 0, 0.65), 0 0 35px rgba(197, 160, 89, 0.15);
  background-color: #0A0D12;
  transition: transform 0.35s ease, box-shadow 0.35s ease;
}

.hero-banner-frame:hover {
  transform: translateY(-4px);
  box-shadow: 0 30px 70px rgba(0, 0, 0, 0.75), 0 0 45px rgba(197, 160, 89, 0.25);
  border-color: rgba(197, 160, 89, 0.6);
}

.hero-banner-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.5s ease;
}

.hero-banner-frame:hover .hero-banner-img {
  transform: scale(1.03);
}

.hero-banner-glow {
  position: absolute;
  inset: 0;
  pointer-events: none;
  box-shadow: inset 0 0 30px rgba(0, 0, 0, 0.35);
  border-radius: 20px;
}

@media (max-width: 768px) {
  .hero-section {
    padding: 36px 0 52px 0;
  }
  .hero-banner-frame {
    max-width: 340px;
    margin: 0 auto;
  }
}

/* ==========================================================================
   Trust & Key Stats Ribbon (Mortgage Pros style: $0, 40+, 99.6%, 24hrs)
   ========================================================================== */
.stats-ribbon {
  background-color: var(--bg-secondary);
  border-bottom: 1px solid var(--border-light);
  padding: 40px 0;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}

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

.stat-item {
  text-align: center;
  padding: 12px;
  position: relative;
}

@media (min-width: 768px) {
  .stat-item:not(:last-child)::after {
    content: '';
    position: absolute;
    right: 0;
    top: 20%;
    height: 60%;
    width: 1px;
    background-color: var(--border-light);
  }
}

.stat-number {
  font-family: var(--font-heading);
  font-size: 2.6rem;
  font-weight: 800;
  color: var(--text-primary);
  line-height: 1.1;
  margin-bottom: 6px;
}

.stat-number span {
  color: var(--gold-dark);
}

.stat-title {
  font-size: 0.98rem;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 4px;
}

.stat-desc {
  font-size: 0.82rem;
  color: var(--text-muted);
}

/* ==========================================================================
   Lender Panel Logos Section (Clean White & Smooth Marquee Left to Right)
   ========================================================================== */
.lenders-section {
  background-color: #FFFFFF;
  padding: 56px 0;
  border-bottom: 1px solid var(--border-light);
  text-align: center;
  overflow: hidden;
}

.lenders-header {
  margin-bottom: 24px;
}

.lenders-control-row {
  margin-top: 18px;
  display: flex;
  justify-content: center;
}

.btn-pause-lenders {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-body);
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-secondary);
  background-color: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-sm);
  padding: 6px 16px;
  cursor: pointer;
  transition: var(--transition);
  box-shadow: var(--shadow-sm);
}

.btn-pause-lenders:hover {
  background-color: var(--bg-secondary);
  color: var(--text-primary);
  border-color: var(--gold-primary);
}

/* Moving Marquee Container */
.lenders-marquee-wrapper {
  overflow: hidden;
  position: relative;
  width: 100%;
  margin-top: 28px;
  padding: 14px 0;
  mask-image: linear-gradient(to right, transparent, black 6%, black 94%, transparent);
  -webkit-mask-image: linear-gradient(to right, transparent, black 6%, black 94%, transparent);
}

.lenders-marquee-track {
  display: flex;
  gap: 20px;
  width: max-content;
  animation: marquee-ltr 36s linear infinite;
  will-change: transform;
}

.lenders-marquee-track:hover,
.lenders-marquee-track.is-paused {
  animation-play-state: paused;
}

/* Animate strictly from Left to Right */
@keyframes marquee-ltr {
  0% {
    transform: translateX(-50%);
  }
  100% {
    transform: translateX(0%);
  }
}

.lenders-grid {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 16px;
  margin-top: 36px;
}

/* Larger, High Definition Lender Cards */
.lender-card {
  width: 215px;
  height: 90px;
  background-color: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 14px 22px;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  flex-shrink: 0;
}

.lender-card:hover {
  transform: translateY(-3px);
  border-color: var(--gold-primary);
  box-shadow: var(--shadow-md);
}

.lender-card img {
  max-width: 100%;
  max-height: 54px;
  width: auto;
  height: auto;
  object-fit: contain;
  opacity: 0.96;
  transition: var(--transition);
}

.lender-card:hover img {
  opacity: 1;
  transform: scale(1.03);
}

@media (max-width: 640px) {
  .lender-card {
    width: 175px;
    height: 76px;
    padding: 10px 16px;
  }
  .lender-card img {
    max-height: 44px;
  }
  .lenders-marquee-track {
    gap: 14px;
    animation-duration: 28s;
  }
}

.lenders-footer-note {
  margin-top: 24px;
  font-size: 0.86rem;
  color: var(--text-muted);
}

/* ==========================================================================
   "Who We Help" Solutions Grid (Inspired by Mortgage Pros)
   ========================================================================== */
.who-we-help-section {
  background-color: var(--bg-secondary);
  padding: 80px 0;
  border-bottom: 1px solid var(--border-light);
}

.section-center-header {
  text-align: center;
  margin-bottom: 48px;
}

.services-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
}

@media (min-width: 640px) {
  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .services-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.solution-card {
  background-color: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: var(--shadow-card);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}

.solution-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 4px;
  background-color: transparent;
  transition: var(--transition);
}

.solution-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-hover);
  border-color: var(--gold-light-border);
}

.solution-card:hover::before {
  background: var(--gold-gradient);
}

.solution-badge {
  display: inline-block;
  align-self: flex-start;
  font-size: 0.72rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  background-color: var(--gold-light);
  color: var(--gold-dark);
  padding: 4px 10px;
  border-radius: var(--radius-sm);
  margin-bottom: 16px;
}

.solution-icon-box {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  background-color: var(--bg-secondary);
  border: 1px solid var(--border-light);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 20px;
}

.solution-title {
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 12px;
}

.solution-desc {
  font-size: 0.92rem;
  color: var(--text-secondary);
  line-height: 1.6;
  margin-bottom: 20px;
  flex-grow: 1;
}

.solution-perks {
  list-style: none;
  margin-bottom: 24px;
  border-top: 1px solid var(--border-subtle);
  padding-top: 16px;
}

.solution-perk-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.84rem;
  font-weight: 600;
  color: var(--text-primary);
  margin-bottom: 8px;
}

.solution-perk-item span {
  color: var(--gold-dark);
}

.solution-card-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--text-primary);
  transition: var(--transition);
}

.solution-card:hover .solution-card-link {
  color: var(--gold-dark);
  transform: translateX(4px);
}

/* ==========================================================================
   "Why Borrowers Choose Top Deal Finance" (6 Pillars)
   ========================================================================== */
.why-us-section {
  background-color: #FFFFFF;
  padding: 80px 0;
  border-bottom: 1px solid var(--border-light);
}

.why-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 28px;
}

@media (min-width: 640px) {
  .why-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .why-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.why-card {
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 30px;
  background-color: #FFFFFF;
  transition: var(--transition);
}

.why-card:hover {
  border-color: var(--gold-primary);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.why-num {
  font-family: var(--font-heading);
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--gold-dark);
  margin-bottom: 12px;
  line-height: 1;
}

.why-card-title {
  font-size: 1.18rem;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 10px;
}

.why-card-text {
  font-size: 0.9rem;
  color: var(--text-secondary);
  line-height: 1.55;
}

/* ==========================================================================
   Live Interactive Mortgage Repayment Calculator
   ========================================================================== */
.calculator-section {
  background-color: var(--bg-secondary);
  padding: 80px 0;
  border-bottom: 1px solid var(--border-light);
  scroll-margin-top: 85px;
}

@media (max-width: 768px) {
  .calculator-section {
    padding: 44px 0 56px 0;
  }
}

.calculator-wrapper {
  background-color: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-xl);
  box-shadow: 0 10px 35px rgba(0, 0, 0, 0.06);
  padding: 40px;
}

@media (max-width: 768px) {
  .calculator-wrapper {
    padding: 20px 16px;
    border-radius: var(--radius-lg);
  }
}

.calc-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
}

@media (max-width: 768px) {
  .calc-grid {
    gap: 28px;
  }
}

@media (min-width: 992px) {
  .calc-grid {
    grid-template-columns: 1.1fr 0.9fr;
    gap: 50px;
  }
}

.calc-form-col {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

@media (max-width: 768px) {
  .calc-form-col {
    gap: 18px;
  }
}

.calc-control-group {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.calc-label-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 8px;
}

.calc-label {
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--text-primary);
}

.calc-val-badge {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.05rem;
  color: var(--text-primary);
  background-color: var(--bg-secondary);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-sm);
  padding: 4px 10px;
  white-space: nowrap;
}

.calc-slider {
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: #E5E7EB;
  outline: none;
  accent-color: var(--gold-dark);
  cursor: pointer;
  margin: 6px 0 4px 0;
}

.calc-input {
  width: 100%;
  padding: 11px 15px;
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-md);
  font-size: 0.98rem;
  font-family: inherit;
  color: var(--text-primary);
  font-weight: 600;
  background-color: #FFFFFF;
  transition: var(--transition);
}

.calc-input:focus {
  outline: none;
  border-color: var(--gold-primary);
  box-shadow: 0 0 0 3px rgba(197, 160, 89, 0.2);
}

.calc-toggle-group {
  display: flex;
  background-color: var(--bg-secondary);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-full);
  padding: 4px;
  gap: 4px;
}

.calc-toggle-btn {
  flex: 1;
  padding: 8px 10px;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--text-muted);
  border-radius: var(--radius-full);
  text-align: center;
  transition: var(--transition);
  white-space: nowrap;
}

.calc-toggle-btn.active {
  background-color: var(--black-primary);
  color: #FFFFFF;
  box-shadow: var(--shadow-sm);
}

/* Calculator Results Box */
.calc-result-col {
  background-color: var(--bg-secondary);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 32px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

@media (max-width: 768px) {
  .calc-result-col {
    padding: 22px 16px;
    border-radius: var(--radius-md);
    gap: 20px;
  }
}

.calc-result-header {
  font-size: 0.8rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--gold-dark);
  margin-bottom: 6px;
}

.calc-main-amount {
  font-family: var(--font-heading);
  font-size: clamp(2.3rem, 8.5vw, 3.2rem);
  font-weight: 800;
  color: var(--text-primary);
  line-height: 1.05;
  margin-bottom: 6px;
  word-break: break-word;
}

.calc-amount-frequency {
  font-size: 0.95rem;
  color: var(--text-muted);
  font-weight: 600;
  margin-bottom: 20px;
}

.calc-breakdown-list {
  border-top: 1px solid var(--border-light);
  padding-top: 16px;
  margin-bottom: 20px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.calc-breakdown-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.88rem;
  gap: 10px;
}

.calc-breakdown-row span:first-child {
  color: var(--text-muted);
}

.calc-breakdown-row span:last-child {
  font-weight: 700;
  color: var(--text-primary);
  white-space: nowrap;
}

.calc-disclaimer {
  font-size: 0.74rem;
  color: var(--text-subtle);
  line-height: 1.45;
  margin-top: 16px;
}

/* ==========================================================================
   3-Step Loan Approval Process (Mortgage Pros style)
   ========================================================================== */
.process-section {
  background-color: #FFFFFF;
  padding: 80px 0;
  border-bottom: 1px solid var(--border-light);
}

.process-steps-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 30px;
  margin-top: 48px;
  position: relative;
}

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

.process-step-card {
  background-color: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  position: relative;
  transition: var(--transition);
}

.process-step-card:hover {
  transform: translateY(-4px);
  border-color: var(--gold-primary);
  box-shadow: var(--shadow-md);
}

.process-step-num {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--gold-gradient);
  color: #0A0A0A;
  font-family: var(--font-heading);
  font-size: 1.15rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}

.process-step-title {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 12px;
}

.process-step-text {
  font-size: 0.92rem;
  color: var(--text-secondary);
  line-height: 1.6;
}

/* ==========================================================================
   "Meet Your Broker: Varjeet Singh"
   ========================================================================== */
.broker-section {
  background-color: var(--bg-secondary);
  padding: 80px 0;
  border-bottom: 1px solid var(--border-light);
}

.broker-card-large {
  background-color: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  display: grid;
  grid-template-columns: 1fr;
}

@media (min-width: 992px) {
  .broker-card-large {
    grid-template-columns: 0.95fr 1.05fr;
  }
}

.broker-image-col {
  background-color: #FFFFFF;
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 40px;
  border-bottom: 1px solid var(--border-light);
}

@media (min-width: 992px) {
  .broker-image-col {
    border-bottom: none;
    border-right: 1px solid var(--border-light);
  }
}

.broker-img-wrapper {
  position: relative;
  max-width: 380px;
  width: 100%;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.08);
  border: 2px solid var(--gold-light-border);
}

.broker-portrait-img {
  width: 100%;
  height: auto;
  object-fit: cover;
  display: block;
}

.broker-credentials-floating {
  position: absolute;
  bottom: 16px;
  left: 16px;
  right: 16px;
  background: rgba(10, 10, 10, 0.88);
  backdrop-filter: blur(8px);
  color: #FFFFFF;
  padding: 12px 16px;
  border-radius: var(--radius-md);
  border: 1px solid rgba(197, 160, 89, 0.4);
}

.broker-creds-title {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--gold-primary);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.broker-creds-nums {
  font-size: 0.76rem;
  color: #D1D5DB;
}

.broker-info-col {
  padding: 48px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

@media (max-width: 768px) {
  .broker-info-col {
    padding: 32px 24px;
  }
}

.broker-name-heading {
  font-size: 2.2rem;
  font-weight: 800;
  color: var(--text-primary);
  margin-bottom: 6px;
}

.broker-subheading {
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--gold-dark);
  margin-bottom: 20px;
}

.broker-bio-text {
  font-size: 0.98rem;
  color: var(--text-secondary);
  line-height: 1.65;
  margin-bottom: 16px;
}

.broker-badges-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 16px;
  margin: 20px 0 28px 0;
  padding-top: 20px;
  border-top: 1px solid var(--border-light);
}

.badge-item {
  display: flex;
  align-items: center;
  gap: 12px;
  background-color: var(--bg-secondary);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 10px 16px;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--text-primary);
}

.badge-item img {
  height: 36px;
  max-width: 85px;
  width: auto;
  object-fit: contain;
}

.broker-contact-row {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
}

/* ==========================================================================
   Client Testimonials / Google Reviews (Mortgage Pros style)
   ========================================================================== */
.reviews-section {
  background-color: #FFFFFF;
  padding: 80px 0;
  border-bottom: 1px solid var(--border-light);
}

.reviews-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
  margin-top: 48px;
}

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

.review-card {
  background-color: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 30px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transition: var(--transition);
}

.review-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--gold-primary);
}

.review-stars {
  color: #F59E0B;
  font-size: 1.1rem;
  margin-bottom: 14px;
  letter-spacing: 2px;
}

.review-body {
  font-size: 0.94rem;
  color: var(--text-secondary);
  line-height: 1.6;
  margin-bottom: 20px;
  font-style: italic;
  flex-grow: 1;
}

.review-author-row {
  display: flex;
  align-items: center;
  gap: 12px;
  border-top: 1px solid var(--border-subtle);
  padding-top: 16px;
}

.review-avatar {
  width: 40px;
  height: 44px;
  border-radius: 50%;
  background-color: var(--bg-secondary);
  color: var(--gold-dark);
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.9rem;
  border: 1.5px solid var(--gold-light-border);
}

.review-author-name {
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--text-primary);
}

.review-author-role {
  font-size: 0.78rem;
  color: var(--text-muted);
}

/* ==========================================================================
   Sydney Suburbs Serviced (Mortgage Pros local SEO section)
   ========================================================================== */
.suburbs-section {
  background-color: var(--bg-secondary);
  padding: 60px 0;
  border-bottom: 1px solid var(--border-light);
  text-align: center;
}

.suburbs-tag-cloud {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px;
  margin-top: 24px;
  max-width: 900px;
  margin-left: auto;
  margin-right: auto;
}

.suburb-tag {
  background-color: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-full);
  padding: 8px 18px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text-primary);
  transition: var(--transition);
}

.suburb-tag:hover {
  background-color: var(--text-primary);
  color: #FFFFFF;
  border-color: var(--text-primary);
}

/* ==========================================================================
   FAQ Accordion Section (Clean White)
   ========================================================================== */
.faq-section {
  background-color: #FFFFFF;
  padding: 80px 0;
  border-bottom: 1px solid var(--border-light);
}

.faq-wrapper {
  max-width: 820px;
  margin: 40px auto 0 auto;
}

.faq-item {
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  margin-bottom: 16px;
  background-color: #FFFFFF;
  overflow: hidden;
  transition: var(--transition);
}

.faq-item.active {
  border-color: var(--gold-primary);
  box-shadow: var(--shadow-sm);
}

.faq-question-btn {
  width: 100%;
  text-align: left;
  padding: 20px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text-primary);
  background-color: #FFFFFF;
}

.faq-question-btn:hover {
  color: var(--gold-dark);
}

.faq-icon-arrow {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--gold-dark);
  transition: transform 0.25s ease;
  flex-shrink: 0;
}

.faq-item.active .faq-icon-arrow {
  transform: rotate(90deg);
}

.faq-answer-panel {
  display: none;
  padding: 0 24px 22px 24px;
  font-size: 0.95rem;
  color: var(--text-secondary);
  line-height: 1.65;
  border-top: 1px solid var(--border-subtle);
  padding-top: 16px;
}

.faq-item.active .faq-answer-panel {
  display: block;
}

/* ==========================================================================
   High-Converting Free Loan Assessment Form Section
   ========================================================================== */
.contact-section {
  background-color: var(--bg-secondary);
  padding: 80px 0;
  border-bottom: 1px solid var(--border-light);
}

.contact-card-box {
  background-color: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  padding: 48px;
  max-width: 900px;
  margin: 0 auto;
}

@media (max-width: 768px) {
  .contact-card-box {
    padding: 28px 20px;
  }
}

.contact-card-header {
  text-align: center;
  margin-bottom: 36px;
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
}

@media (min-width: 640px) {
  .form-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.form-group-full {
  grid-column: 1 / -1;
}

.form-label {
  display: block;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 8px;
}

.form-control {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-md);
  font-size: 0.95rem;
  font-family: inherit;
  color: var(--text-primary);
  background-color: #FFFFFF;
  transition: var(--transition);
}

.form-control:focus {
  outline: none;
  border-color: var(--gold-primary);
  box-shadow: 0 0 0 3px rgba(197, 160, 89, 0.2);
}

textarea.form-control {
  resize: vertical;
  min-height: 100px;
}

.form-success-banner {
  display: none;
  background-color: #ECFDF5;
  border: 1px solid #A7F3D0;
  color: #065F46;
  padding: 16px;
  border-radius: var(--radius-md);
  font-weight: 600;
  margin-bottom: 24px;
  text-align: center;
}

.form-submit-row {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-top: 10px;
}

@media (min-width: 640px) {
  .form-submit-row {
    flex-direction: row;
    align-items: center;
    justify-content: space-between;
  }
}

.form-privacy-note {
  font-size: 0.8rem;
  color: var(--text-subtle);
}

/* ==========================================================================
   Footer (Clean, Authoritative, High Australian Compliance)
   ========================================================================== */
.site-footer {
  background-color: var(--black-primary);
  color: #FFFFFF;
  padding: 64px 0 36px 0;
  font-size: 0.9rem;
}

.footer-top-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

@media (min-width: 768px) {
  .footer-top-grid {
    grid-template-columns: 1.5fr 1fr 1fr;
  }
}

.footer-brand-info {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.footer-logo-row {
  display: flex;
  align-items: center;
  gap: 12px;
}

.footer-logo-img {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--gold-primary);
}

.footer-brand-name {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 800;
  color: #FFFFFF;
}

.footer-brand-name span {
  color: var(--gold-primary);
}

.footer-text {
  color: #9CA3AF;
  line-height: 1.6;
  font-size: 0.88rem;
}

.footer-col-title {
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 700;
  color: #FFFFFF;
  margin-bottom: 18px;
  position: relative;
}

.footer-col-title::after {
  content: '';
  display: block;
  width: 28px;
  height: 2px;
  background-color: var(--gold-primary);
  margin-top: 6px;
}

.footer-links-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-links-list a {
  color: #9CA3AF;
  font-size: 0.88rem;
}

.footer-links-list a:hover {
  color: var(--gold-primary);
  padding-left: 4px;
}

.footer-contact-details {
  display: flex;
  flex-direction: column;
  gap: 10px;
  color: #D1D5DB;
  font-size: 0.88rem;
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
}

.footer-contact-item svg {
  color: var(--gold-primary);
  flex-shrink: 0;
  margin-top: 3px;
}

/* Compliance Bar */
.footer-compliance-box {
  padding: 32px 0 24px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.compliance-text {
  font-size: 0.76rem;
  color: #9CA3AF;
  line-height: 1.6;
  margin-bottom: 10px;
}

.footer-bottom-row {
  padding-top: 24px;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  font-size: 0.8rem;
  color: #9CA3AF;
}

.footer-accreditations-row {
  display: flex;
  align-items: center;
  gap: 14px;
}

.footer-accreditations-row img {
  height: 38px;
  max-width: 120px;
  width: auto;
  background-color: #FFFFFF;
  border-radius: var(--radius-sm);
  padding: 5px 12px;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.15);
  object-fit: contain;
}

/* ==========================================================================
   Mobile Floating Contact Bar (Mortgage Pros style)
   ========================================================================== */
.floating-bar {
  display: flex;
  position: fixed;
  bottom: 0;
  left: 0;
  width: 100%;
  background-color: #FFFFFF;
  border-top: 1px solid var(--border-light);
  box-shadow: 0 -4px 16px rgba(0, 0, 0, 0.1);
  padding: 10px 16px;
  z-index: 998;
  gap: 12px;
}

@media (min-width: 992px) {
  .floating-bar {
    display: none;
  }
}

.floating-bar-call {
  flex: 1;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background-color: var(--black-primary);
  color: #FFFFFF;
  font-weight: 700;
  font-size: 0.9rem;
  padding: 11px 16px;
  border-radius: var(--radius-full);
}

.floating-bar-enquire {
  flex: 1;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: var(--gold-gradient);
  color: #0A0A0A;
  font-weight: 700;
  font-size: 0.9rem;
  padding: 11px 16px;
  border-radius: var(--radius-full);
}

/* ==========================================================================
   Lead Enquiry Modal
   ========================================================================== */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(10, 10, 10, 0.7);
  backdrop-filter: blur(4px);
  z-index: 2000;
  align-items: center;
  justify-content: center;
  padding: 20px;
}

.modal-overlay.active {
  display: flex;
}

.modal-box {
  background-color: #FFFFFF;
  border-radius: var(--radius-xl);
  max-width: 540px;
  width: 100%;
  padding: 36px;
  position: relative;
  box-shadow: var(--shadow-hover);
  border: 1px solid var(--gold-light-border);
  max-height: 90vh;
  overflow-y: auto;
}

.modal-close-btn {
  position: absolute;
  top: 18px;
  right: 18px;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background-color: var(--bg-secondary);
  border: 1px solid var(--border-light);
  font-size: 1.25rem;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-primary);
}

.modal-close-btn:hover {
  background-color: var(--text-primary);
  color: #FFFFFF;
}

.modal-title {
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--text-primary);
  margin-bottom: 8px;
}

.modal-subtitle {
  font-size: 0.92rem;
  color: var(--text-secondary);
  margin-bottom: 24px;
}

/* ==========================================================================
   Mobile Nav Submenu Accordion
   ========================================================================== */
.mobile-nav-has-sub {
  position: relative;
}

.mobile-sub-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  padding: 8px 0;
  border-bottom: 1px solid var(--border-light);
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--text-primary);
  background: none;
  cursor: pointer;
}

.mobile-sub-toggle-icon {
  font-size: 0.8rem;
  transition: transform 0.25s ease;
  color: var(--gold-dark);
}

.mobile-nav-has-sub.open .mobile-sub-toggle-icon {
  transform: rotate(180deg);
}

.mobile-submenu {
  display: none;
  list-style: none;
  padding: 8px 0 8px 16px;
  background-color: var(--bg-secondary);
  border-radius: var(--radius-md);
  margin-top: 6px;
}

.mobile-nav-has-sub.open .mobile-submenu {
  display: block;
}

.mobile-submenu-item a {
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--text-secondary);
  padding: 8px 0;
  display: block;
  border-bottom: 1px solid rgba(0, 0, 0, 0.05);
}

.mobile-submenu-item a:hover {
  color: var(--gold-dark);
}

/* ==========================================================================
   Inner Pages: Page Hero & Breadcrumbs
   ========================================================================== */
.page-hero {
  background-color: #FFFFFF;
  padding: 48px 0 40px 0;
  border-bottom: 1px solid var(--border-light);
  position: relative;
}

.breadcrumbs {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
  font-size: 0.84rem;
  font-weight: 600;
  margin-bottom: 18px;
}

.breadcrumb-link {
  color: var(--text-muted);
}

.breadcrumb-link:hover {
  color: var(--gold-dark);
}

.breadcrumb-sep {
  color: var(--text-subtle);
}

.breadcrumb-current {
  color: var(--gold-dark);
}

.page-hero-title {
  font-size: clamp(1.75rem, 5.8vw, 3rem);
  font-weight: 800;
  color: var(--text-primary);
  line-height: 1.25;
  letter-spacing: -0.025em;
  margin-bottom: 14px;
  word-break: break-word;
}

.page-hero-subtitle {
  font-size: 1.1rem;
  color: var(--text-secondary);
  line-height: 1.6;
  max-width: 780px;
}

/* ==========================================================================
   Service Details Page Layout
   ========================================================================== */
.service-page-section {
  background-color: var(--bg-secondary);
  padding: 60px 0 80px 0;
}

.service-page-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
}

@media (min-width: 992px) {
  .service-page-grid {
    grid-template-columns: 1.75fr 1fr;
    gap: 48px;
  }
}

.service-main-content {
  display: flex;
  flex-direction: column;
  gap: 36px;
}

.service-content-block {
  background-color: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-sm);
}

@media (max-width: 768px) {
  .service-content-block {
    padding: 24px;
  }
}

.block-title {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--text-primary);
  margin-bottom: 16px;
  position: relative;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--gold-light-border);
}

.block-text {
  font-size: 1rem;
  color: var(--text-secondary);
  line-height: 1.7;
  margin-bottom: 16px;
}

.service-benefits-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 18px;
  margin-top: 20px;
}

@media (min-width: 640px) {
  .service-benefits-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.benefit-card-box {
  background-color: var(--bg-secondary);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 20px;
  transition: var(--transition);
}

.benefit-card-box:hover {
  border-color: var(--gold-primary);
  box-shadow: var(--shadow-sm);
}

.benefit-icon {
  font-size: 1.5rem;
  margin-bottom: 10px;
  display: inline-block;
}

.benefit-card-title {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 6px;
}

.benefit-card-text {
  font-size: 0.88rem;
  color: var(--text-secondary);
  line-height: 1.5;
}

/* Service Sidebar */
.service-sidebar {
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.sidebar-card {
  background-color: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 30px;
  box-shadow: var(--shadow-sm);
  position: relative;
}

.sidebar-card-highlight {
  border-top: 4px solid var(--gold-primary);
}

.sidebar-title {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--text-primary);
  margin-bottom: 14px;
}

.sidebar-service-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.sidebar-service-item a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 10px 14px;
  background-color: var(--bg-secondary);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text-primary);
  transition: var(--transition);
}

.sidebar-service-item a:hover,
.sidebar-service-item.active a {
  background-color: var(--black-primary);
  color: #FFFFFF;
  border-color: var(--black-primary);
}

.sidebar-service-item.active a {
  border-left: 4px solid var(--gold-primary);
}

.sidebar-broker-row {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 16px;
}

.sidebar-broker-img {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--gold-primary);
}

.sidebar-broker-name {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--text-primary);
}

.sidebar-broker-role {
  font-size: 0.82rem;
  color: var(--text-muted);
}

/* ==========================================================================
   About Page Layout
   ========================================================================== */
.about-hero-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
  align-items: center;
  margin-top: 32px;
}

@media (min-width: 992px) {
  .about-hero-grid {
    grid-template-columns: 1fr 1fr;
    gap: 60px;
  }
}

.about-values-section {
  background-color: #FFFFFF;
  padding: 80px 0;
  border-bottom: 1px solid var(--border-light);
}

.values-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
  margin-top: 40px;
}

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

.value-box {
  background-color: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.value-box:hover {
  transform: translateY(-4px);
  border-color: var(--gold-primary);
  box-shadow: var(--shadow-md);
}

.value-icon {
  font-size: 2rem;
  margin-bottom: 14px;
  display: inline-block;
}

.value-title {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--text-primary);
  margin-bottom: 10px;
}

.value-desc {
  font-size: 0.94rem;
  color: var(--text-secondary);
  line-height: 1.6;
}

/* ==========================================================================
   Contact Page Layout
   ========================================================================== */
.contact-cards-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
  margin-top: 40px;
}

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

.contact-info-card {
  background-color: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 30px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: 12px;
  transition: var(--transition);
}

.contact-info-card:hover {
  border-color: var(--gold-primary);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.contact-card-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  background-color: var(--gold-light);
  color: var(--gold-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
}

.contact-card-title {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--text-primary);
}

.contact-card-detail {
  font-size: 0.95rem;
  color: var(--text-secondary);
  line-height: 1.5;
}

.map-embed-wrapper {
  background-color: #FFFFFF;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  height: 380px;
  margin-top: 40px;
}

.map-embed-wrapper iframe {
  width: 100%;
  height: 100%;
  border: 0;
}