/* ============================================================
   Orange Mortgage — luxury Orange County landing page
   White & navy palette, orange accents, Apple-style minimal UI
   ============================================================ */

:root {
  --navy-900: #0e1c38;
  --navy-800: #14264a;
  --navy-700: #1e3a6b;
  --navy-500: #2f4f86;
  --orange: #ff8a1f;
  --orange-600: #f57500;
  --orange-soft: #fff1e2;
  --ink: #1a2236;
  --muted: #5b6678;
  --line: #e7ecf3;
  --bg: #ffffff;
  --bg-tint: #f4f8fd;
  --bg-blue: #eef4fc;
  --white: #ffffff;
  --radius: 18px;
  --radius-lg: 28px;
  --shadow-sm: 0 2px 10px rgba(20, 38, 74, 0.06);
  --shadow-md: 0 14px 40px rgba(20, 38, 74, 0.10);
  --shadow-lg: 0 30px 70px rgba(20, 38, 74, 0.16);
  --maxw: 1180px;
  --font: "Plus Jakarta Sans", "Inter", system-ui, sans-serif;
}

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

html { scroll-behavior: smooth; scroll-padding-top: 90px; }

body {
  font-family: var(--font);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }

.container { width: 100%; max-width: var(--maxw); margin-inline: auto; padding-inline: 24px; }

/* ---------- Typography ---------- */
h1, h2, h3, h4 { font-weight: 800; letter-spacing: -0.02em; line-height: 1.08; color: var(--navy-900); }
h1 { font-size: clamp(2.4rem, 5.2vw, 3.9rem); }
h2 { font-size: clamp(1.9rem, 3.6vw, 2.8rem); }
h3 { font-size: 1.2rem; }
p { color: var(--muted); }

.accent { color: var(--orange-600); }

.eyebrow {
  display: inline-block;
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--orange-600);
  background: var(--orange-soft);
  padding: 6px 14px;
  border-radius: 100px;
  margin-bottom: 18px;
}
.eyebrow--center { margin-inline: auto; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: inherit;
  font-weight: 700;
  font-size: 0.98rem;
  border: 0;
  border-radius: 100px;
  padding: 13px 26px;
  cursor: pointer;
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease;
  white-space: nowrap;
}
.btn--primary {
  background: linear-gradient(135deg, var(--orange) 0%, var(--orange-600) 100%);
  color: #fff;
  box-shadow: 0 10px 24px rgba(245, 117, 0, 0.30);
}
.btn--primary:hover { transform: translateY(-2px); box-shadow: 0 16px 32px rgba(245, 117, 0, 0.38); }
.btn--ghost {
  background: #fff;
  color: var(--navy-800);
  border: 1.5px solid var(--line);
  box-shadow: var(--shadow-sm);
}
.btn--ghost:hover { transform: translateY(-2px); border-color: var(--navy-500); }
.btn--lg { padding: 16px 32px; font-size: 1.04rem; }
.btn--sm { padding: 10px 18px; font-size: 0.9rem; }
.btn--block { width: 100%; }

/* ---------- Nav ---------- */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.82);
  backdrop-filter: saturate(180%) blur(16px);
  -webkit-backdrop-filter: saturate(180%) blur(16px);
  border-bottom: 1px solid transparent;
  transition: border-color .25s, box-shadow .25s;
}
.nav.is-scrolled { border-bottom-color: var(--line); box-shadow: var(--shadow-sm); }
.nav > .container { max-width: 1240px; }
.nav__inner { display: flex; align-items: center; justify-content: space-between; gap: 28px; height: 72px; }

.brand { display: inline-flex; align-items: center; gap: 10px; font-weight: 800; font-size: 1.2rem; color: var(--navy-900); }
.brand__mark { display: grid; place-items: center; }
.brand__text strong { color: var(--orange-600); font-weight: 800; }
.brand--light, .brand--light .brand__text { color: #fff; }

.nav__links { display: flex; align-items: center; gap: 22px; }
.nav__links a { font-weight: 600; font-size: 0.96rem; color: var(--ink); transition: color .15s; white-space: nowrap; }
.nav__links a:not(.btn):hover { color: var(--orange-600); }
.nav__cta { color: #fff !important; }
.nav__email { display: none; align-items: center; gap: 7px; font-size: 0.88rem !important; font-weight: 600; color: var(--muted) !important; }
.nav__email svg { color: var(--orange-600); }
.nav__email:hover { color: var(--orange-600) !important; }

.nav__toggle { display: none; flex-direction: column; gap: 5px; background: none; border: 0; cursor: pointer; padding: 8px; }
.nav__toggle span { width: 24px; height: 2.5px; background: var(--navy-900); border-radius: 3px; transition: .25s; }
.nav__toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.nav__toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav__toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

/* ---------- Hero ---------- */
.hero { position: relative; padding: clamp(40px, 6vw, 80px) 0 clamp(28px, 4vw, 48px); overflow: hidden; }
@keyframes float { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-14px); } }

/* Soft Orange County coastal scene — pure CSS, no stock photography */
.hero__scene { position: absolute; inset: 0; z-index: -1; overflow: hidden;
  background: linear-gradient(180deg, #eaf4ff 0%, #f4f9ff 46%, #ffffff 100%); }
.hero__sky { position: absolute; inset: 0 0 38% 0;
  background: linear-gradient(180deg, #dcecff 0%, #eef6ff 70%, transparent 100%); }
.hero__sun { position: absolute; top: 6%; right: 16%; width: 320px; height: 320px; border-radius: 50%;
  background: radial-gradient(circle, rgba(255,206,140,.55), rgba(255,206,140,0) 68%); filter: blur(4px); }
.hero__sea { position: absolute; right: 0; left: 46%; top: 50%; height: 16%;
  background: linear-gradient(180deg, #bfe0f5, #d9eefb); opacity: .7;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 22%); mask-image: linear-gradient(90deg, transparent, #000 22%); }
.hero__sand { position: absolute; left: 0; right: 0; bottom: 0; height: 30%;
  background: linear-gradient(180deg, rgba(255,238,214,0), #fbe6cf 60%, #f7ddb8 100%); opacity: .7;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 30%); mask-image: linear-gradient(90deg, transparent, #000 30%); }
.hero__scene .blob--1 { position: absolute; width: 520px; height: 520px; right: -120px; top: -160px;
  border-radius: 50%; filter: blur(70px); opacity: .5; background: radial-gradient(circle, #ffe6cc, transparent 70%); }
.palm { position: absolute; bottom: 18%; width: 0; height: 0; opacity: .22; }
.palm::before { content: ""; position: absolute; bottom: 0; left: -3px; width: 6px; height: 130px;
  background: linear-gradient(#9c7b53, #b8966a); border-radius: 4px; transform: rotate(-4deg); }
.palm::after { content: ""; position: absolute; bottom: 118px; left: -38px; width: 76px; height: 56px;
  background:
    radial-gradient(ellipse 40px 12px at 50% 100%, #3f9b46 60%, transparent 62%),
    radial-gradient(ellipse 12px 34px at 18% 60%, #43a14a 60%, transparent 62%),
    radial-gradient(ellipse 12px 34px at 82% 60%, #43a14a 60%, transparent 62%),
    radial-gradient(ellipse 34px 12px at 50% 30%, #46a94e 60%, transparent 62%);
  filter: blur(.3px); }
.palm--1 { right: 7%; transform: scale(1.15); }
.palm--2 { right: 18%; bottom: 20%; transform: scale(.8); opacity: .16; }
.palm--3 { right: 2%; bottom: 16%; transform: scale(.92); opacity: .18; }

.hero__grid {
  display: grid;
  grid-template-columns: 1.04fr 0.96fr;
  grid-template-areas:
    "intro   stage"
    "actions stage"
    "trust   stage";
  grid-template-rows: auto auto 1fr;
  column-gap: 24px; row-gap: 0; align-items: start;
}
.hero__intro { grid-area: intro; padding-top: clamp(8px, 3vw, 36px); }
.hero__intro .lead { font-size: 1.16rem; margin: 22px 0 0; max-width: 520px; }
.hero__actions { grid-area: actions; display: flex; flex-wrap: wrap; align-items: center; gap: 14px; margin: 30px 0 30px; }
.hero__email { font-weight: 700; color: var(--orange-600); font-size: 0.96rem; border-bottom: 2px solid transparent; }
.hero__email:hover { border-bottom-color: var(--orange); }

.hero__trust { grid-area: trust; display: flex; flex-wrap: wrap; gap: 26px 30px;
  list-style: none; padding-top: 26px; border-top: 1px solid var(--line); }
.hero__trust li { display: flex; align-items: center; gap: 11px; font-size: 0.92rem; font-weight: 700; color: var(--navy-800); line-height: 1.25; }
.hero__trust-ico { flex: none; display: grid; place-items: center; width: 40px; height: 40px; border-radius: 11px;
  background: var(--orange-soft); color: var(--orange-600); }

/* Orange — free-standing in the scene (swappable media slot) */
.hero__stage { grid-area: stage; position: relative; align-self: end; min-height: 360px; display: flex; justify-content: center; }

/* ---- AnimatedOrangeHero: layered, CSS-animated character ---- */
.orange-hero {
  position: relative; z-index: 2; margin: 0;
  height: clamp(380px, 42vw, 600px); aspect-ratio: 621 / 968; max-width: 100%;
  will-change: transform;
  animation: orange-breathe 9s ease-in-out infinite;   /* very subtle presence */
}
.orange-hero__layer { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: contain; object-position: bottom center; }
.orange-hero__body { z-index: 1; filter: drop-shadow(0 26px 30px rgba(20, 38, 74, 0.20)); }
.orange-hero__leaf { z-index: 3; transform-origin: 62% 12%; animation: orange-leaf-sway 7s ease-in-out infinite; }
/* Closed-eye frame — cross-fades in briefly to read as a blink */
.orange-hero__eyes { z-index: 2; opacity: 0; animation: orange-blink 16s linear infinite; }
/* keep a plain still image working too (e.g. why section / fallbacks) */
.hero__orange { width: auto; max-width: 100%; }

@keyframes orange-breathe { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-2px); } }
@keyframes orange-leaf-sway { 0%, 100% { transform: rotate(-2.5deg); } 50% { transform: rotate(2deg); } }
/* ~180ms blink; one single blink, then a natural double blink later in the loop */
@keyframes orange-blink {
  0%, 30%     { opacity: 0; }
  30.6%       { opacity: 1; }
  31.2%       { opacity: 0; }   /* single blink (~4.9s) */
  72%         { opacity: 0; }
  72.6%       { opacity: 1; }
  73.2%       { opacity: 0; }   /* double blink, first (~11.5s) */
  74%         { opacity: 0; }
  74.6%       { opacity: 1; }
  75.2%, 100% { opacity: 0; }   /* double blink, second (~12s) */
}
.hero__shadow { position: absolute; z-index: 1; bottom: 6px; left: 50%; transform: translateX(-50%);
  width: 56%; height: 26px; border-radius: 50%;
  background: radial-gradient(ellipse, rgba(20,38,74,.20), transparent 70%); filter: blur(4px); }
.hero__bubble { position: absolute; z-index: 3; top: 6%; right: -2%; max-width: 200px; text-align: left; }
.hero__bubble span { display: inline-block; font-family: "Caveat", cursive; font-size: 1.5rem; font-weight: 700;
  line-height: 1.15; color: var(--navy-800); transform: rotate(-3deg); }
.hero__bubble-arrow { position: absolute; left: -54px; bottom: -34px; width: 70px; height: 52px; }

.hero__disclaimer { display: flex; align-items: flex-start; gap: 8px; justify-content: center; text-align: center;
  max-width: 860px; margin: clamp(20px, 3vw, 36px) auto 0; padding-inline: 24px;
  font-size: 0.84rem; color: var(--muted); line-height: 1.55; }
.hero__disclaimer svg { flex: none; margin-top: 2px; color: var(--navy-500); }

/* ---------- Badges strip ---------- */
.badges { border-block: 1px solid var(--line); background: var(--bg-tint); }
.badges__inner { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 18px; padding: 18px 24px; }
.badges span { font-weight: 700; color: var(--navy-700); font-size: 0.92rem; }
.badges i { width: 5px; height: 5px; border-radius: 50%; background: var(--orange); }

/* ---------- Section scaffolding ---------- */
.section { padding: clamp(64px, 9vw, 110px) 0; }
.section--tint { background: var(--bg-tint); }
.section__head { text-align: center; max-width: 620px; margin: 0 auto 52px; }
.section__head p { margin-top: 14px; font-size: 1.06rem; }

/* ---------- Cards (loans) ---------- */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 30px 26px; box-shadow: var(--shadow-sm);
  display: flex; flex-direction: column;
  transition: transform .2s, box-shadow .2s, border-color .2s;
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: transparent; }
.card__icon {
  width: 54px; height: 54px; border-radius: 14px; display: grid; place-items: center;
  font-size: 1.5rem; background: var(--bg-blue); margin-bottom: 18px;
}
.card--feature { background: linear-gradient(160deg, var(--navy-800), var(--navy-700)); border-color: transparent; }
.card--feature h3, .card--feature p { color: #fff; }
.card--feature p { color: #c6d3e8; }
.card--feature .card__icon { background: rgba(255,255,255,.12); }
.card--feature .card__link { color: var(--orange); }
.card h3 { margin-bottom: 8px; }
.card__link { align-self: flex-start; margin-top: auto; padding-top: 16px; font-weight: 700; color: var(--orange-600); font-size: 0.95rem; }
.card__link:hover { gap: 4px; letter-spacing: .01em; }

/* ---------- Why Orange ---------- */
.why__grid { display: grid; grid-template-columns: 0.85fr 1.15fr; gap: 56px; align-items: center; }
.why__media { position: relative; display: grid; place-items: end center; }
.why__mascot { width: auto; height: clamp(320px, 34vw, 460px); object-fit: contain; filter: drop-shadow(0 24px 30px rgba(20,38,74,.20)); animation: float 6s ease-in-out infinite; }
.bubble {
  position: absolute; top: 6%; right: -6%; max-width: 200px;
  background: #fff; border: 1px solid var(--line); border-radius: 16px;
  padding: 12px 16px; font-weight: 600; color: var(--navy-800); font-size: 0.92rem;
  box-shadow: var(--shadow-md);
}
.bubble::after { content: ""; position: absolute; bottom: -8px; left: 28px; width: 16px; height: 16px; background: #fff; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); transform: rotate(45deg); }

.features { list-style: none; display: grid; gap: 22px; margin-top: 28px; }
.features li { display: flex; gap: 16px; }
.features__ico {
  flex: none; width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center;
  background: var(--orange-soft); color: var(--orange-600); font-weight: 800; font-size: 1.2rem;
}
.features strong { display: block; color: var(--navy-900); font-size: 1.06rem; margin-bottom: 2px; }
.features p { font-size: 0.96rem; }

/* ---------- Calculator ---------- */
.calc__grid { display: grid; grid-template-columns: 1fr 1.1fr; gap: 56px; align-items: center; }
.calc__intro p { margin: 14px 0 26px; font-size: 1.06rem; }
.glass {
  background: linear-gradient(160deg, #ffffff, var(--bg-blue));
  border: 1px solid var(--line); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); padding: 34px;
}
.calc__field { margin-bottom: 22px; }
.calc__field label {
  display: flex; justify-content: space-between; align-items: baseline;
  font-weight: 700; color: var(--navy-800); font-size: 0.95rem; margin-bottom: 10px;
}
.calc__field output { font-weight: 800; color: var(--orange-600); font-variant-numeric: tabular-nums; }
input[type="range"] { -webkit-appearance: none; appearance: none; width: 100%; height: 6px; border-radius: 10px; background: var(--bg-blue); cursor: pointer; }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%; background: #fff; border: 4px solid var(--orange); box-shadow: var(--shadow-sm); cursor: pointer; transition: transform .15s; }
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.12); }
input[type="range"]::-moz-range-thumb { width: 22px; height: 22px; border-radius: 50%; background: #fff; border: 4px solid var(--orange); cursor: pointer; }

.calc__result { margin-top: 28px; padding-top: 24px; border-top: 1px dashed var(--line); text-align: center; }
.calc__result > span { font-size: 0.9rem; color: var(--muted); font-weight: 600; }
.calc__amount { font-size: clamp(2.6rem, 5vw, 3.4rem); font-weight: 800; color: var(--navy-900); font-variant-numeric: tabular-nums; line-height: 1.1; }
.calc__amount small { font-size: 1.1rem; color: var(--muted); font-weight: 600; }
.calc__sub { font-size: 0.86rem; margin-top: 6px; }

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; list-style: none; counter-reset: step; }
.step { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 30px 24px; box-shadow: var(--shadow-sm); position: relative; }
.step__num { display: grid; place-items: center; width: 44px; height: 44px; border-radius: 12px; background: var(--navy-800); color: #fff; font-weight: 800; font-size: 1.15rem; margin-bottom: 18px; }
.step h3 { margin-bottom: 8px; }
.step p { font-size: 0.95rem; }

/* ---------- Service areas ---------- */
.areas__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.areas__copy p { margin: 14px 0 24px; font-size: 1.06rem; }
.areas__list { list-style: none; display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
.areas__list li { display: flex; align-items: center; gap: 8px; font-weight: 600; color: var(--navy-800); font-size: 0.96rem; }
.areas__list li::before { content: "✓"; color: var(--orange-600); font-weight: 800; }

.areas__map {
  position: relative; aspect-ratio: 4/3; border-radius: var(--radius-lg); overflow: hidden;
  background: linear-gradient(160deg, #cfe2f7, #9fc4ec);
  border: 1px solid var(--line); box-shadow: var(--shadow-md);
}
.areas__map::before { content: ""; position: absolute; inset: 0; background:
  radial-gradient(circle at 30% 70%, rgba(255,255,255,.5), transparent 40%),
  repeating-linear-gradient(0deg, rgba(255,255,255,.18) 0 1px, transparent 1px 40px),
  repeating-linear-gradient(90deg, rgba(255,255,255,.18) 0 1px, transparent 1px 40px); }
.map__pin { position: absolute; font-size: 1.8rem; filter: drop-shadow(0 6px 8px rgba(0,0,0,.25)); animation: float 5s ease-in-out infinite; }
.map__pin--1 { top: 32%; left: 40%; }
.map__pin--2 { top: 54%; left: 60%; animation-delay: .6s; }
.map__pin--3 { top: 44%; left: 24%; animation-delay: 1.1s; }
.map__label { position: absolute; bottom: 16px; left: 16px; background: rgba(255,255,255,.9); padding: 8px 14px; border-radius: 100px; font-weight: 700; color: var(--navy-800); font-size: 0.9rem; box-shadow: var(--shadow-sm); }

/* ---------- Quotes ---------- */
.quotes { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.quote { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 30px 26px; box-shadow: var(--shadow-sm); }
.stars { color: var(--orange); letter-spacing: 2px; margin-bottom: 14px; }
.quote blockquote { font-size: 1.04rem; color: var(--ink); font-weight: 500; line-height: 1.55; }
.quote figcaption { margin-top: 16px; font-weight: 700; color: var(--navy-800); font-size: 0.92rem; }

/* ---------- CTA ---------- */
.cta { padding: clamp(64px, 9vw, 110px) 0; background: linear-gradient(160deg, var(--navy-900), var(--navy-700)); color: #fff; }
.cta__inner { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.cta__copy h2 { color: #fff; }
.cta__copy p { color: #c6d3e8; margin: 16px 0 24px; font-size: 1.08rem; }
.cta__perks { list-style: none; display: grid; gap: 10px; }
.cta__perks li { font-weight: 600; color: #e9f0fb; }

.cta__form { background: #fff; color: var(--ink); }
.cta__form label { display: block; font-weight: 700; font-size: 0.86rem; color: var(--navy-800); margin-bottom: 14px; }
.form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.cta__form input, .cta__form select {
  width: 100%; margin-top: 6px; padding: 12px 14px; font-family: inherit; font-size: 0.96rem;
  border: 1.5px solid var(--line); border-radius: 12px; background: var(--bg-tint); color: var(--ink);
  transition: border-color .15s, background .15s;
}
.cta__form input:focus, .cta__form select:focus { outline: none; border-color: var(--orange); background: #fff; }
.form__note { font-size: 0.78rem; color: var(--muted); margin-top: 6px; }
.form__success { font-weight: 700; color: #1f9d5f; margin-top: 10px; }

/* ---------- Footer ---------- */
.footer { background: var(--navy-900); color: #c6d3e8; padding: 60px 0 28px; }
.footer__grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 36px; }
.footer__brand p { color: #93a4c2; margin-top: 14px; max-width: 260px; font-size: 0.94rem; }
.footer__col h4 { color: #fff; font-size: 0.92rem; text-transform: uppercase; letter-spacing: .05em; margin-bottom: 16px; }
.footer__col a, .footer__col span { display: block; color: #aebbd4; font-size: 0.94rem; margin-bottom: 10px; transition: color .15s; }
.footer__col a:hover { color: var(--orange); }
.footer__legal { margin-top: 44px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.1); }
.footer__legal p { color: #7f90b0; font-size: 0.82rem; }
.footer__disc { margin-top: 6px; }

/* ---------- Reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity .7s ease, transform .7s ease; }
.reveal.is-visible { opacity: 1; transform: none; }

/* ---------- Responsive ---------- */
@media (max-width: 960px) {
  /* Mobile hero stack: headline → Orange → CTAs → trust badges */
  .hero__grid {
    grid-template-columns: 1fr;
    grid-template-areas: "intro" "stage" "actions" "trust";
    grid-template-rows: auto auto auto auto;
    text-align: center;
  }
  .hero__intro .lead { margin-inline: auto; }
  .hero__actions { justify-content: center; }
  .hero__trust { justify-content: center; }
  .hero__stage { min-height: 0; margin-top: 8px; }
  .hero__bubble { display: none; }
  .why__grid, .calc__grid, .cta__inner { grid-template-columns: 1fr; }
  .cards, .cards--3, .quotes { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .process { grid-template-columns: 1fr; }
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .why__media { max-width: 340px; margin-inline: auto; }
}

/* Nav collapses to a hamburger earlier than the layout (6 links + brand +
   CTA need more room than the two-column layout does). */
@media (max-width: 1200px) {
  .nav__links {
    position: fixed; inset: 72px 0 auto 0;
    flex-direction: column; align-items: stretch; gap: 4px;
    background: rgba(255,255,255,.98); backdrop-filter: blur(16px);
    padding: 18px 24px 26px; border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow-md);
    transform: translateY(-130%); transition: transform .3s ease; visibility: hidden;
  }
  .nav__links.is-open { transform: none; visibility: visible; }
  .nav__links a { padding: 12px 4px; font-size: 1.05rem; white-space: normal; }
  .nav__email { display: inline-flex; padding: 12px 4px; }
  .nav__cta { margin-top: 8px; text-align: center; }
  .nav__toggle { display: flex; }
}

@media (max-width: 560px) {
  .cards, .cards--3, .quotes, .steps, .form__row, .footer__grid { grid-template-columns: 1fr; }
  .hero__trust { gap: 16px 24px; }
  .hero__trust li { font-size: 0.88rem; }
  .areas__cities { grid-template-columns: repeat(2, 1fr); }
  .ask-orange { right: 14px; bottom: 14px; }
  .ask-orange__panel { width: calc(100vw - 28px); }
  .container { padding-inline: 18px; }
}

/* ---------- Orange "moment" captions (section avatar roles) ---------- */
.orange-moment { display: inline-flex; align-items: center; gap: 8px; font-weight: 700;
  color: var(--orange-600); font-size: 0.96rem; }
figcaption.orange-moment { display: flex; justify-content: center; margin-top: 16px; }
.calc__intro .orange-moment { margin: 14px 0 4px; }
.section__head .orange-moment { justify-content: center; margin: 14px auto 0; }

/* ---------- Loan teaching-board figure ---------- */
.loans-figure { max-width: 600px; margin: 0 auto clamp(36px, 5vw, 56px); }
.loans-figure img { width: 100%; height: auto; display: block; border-radius: var(--radius-lg); filter: drop-shadow(0 18px 30px rgba(20,38,74,.12)); }

/* ---------- How it works: image + step rail ---------- */
.process { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(36px, 5vw, 64px); align-items: center; }
.process-figure { margin: 0; }
.process-figure img { width: 100%; height: auto; display: block; border-radius: var(--radius-lg); box-shadow: var(--shadow-md); }
.steps--rail { display: flex; flex-direction: column; gap: 0; grid-template-columns: none; }
.steps--rail .step { display: flex; align-items: flex-start; gap: 18px; background: none; border: 0;
  box-shadow: none; padding: 0 0 26px; position: relative; }
.steps--rail .step:not(:last-child)::after { content: ""; position: absolute; left: 21px; top: 50px; bottom: 4px;
  width: 2px; background: linear-gradient(var(--orange), var(--orange-soft)); }
.steps--rail .step__num { margin-bottom: 0; flex: none; box-shadow: 0 8px 18px rgba(245,117,0,.28);
  background: linear-gradient(135deg, var(--orange), var(--orange-600)); }
.steps--rail .step h3 { margin-bottom: 4px; }

/* ---------- Service-area city chips ---------- */
.areas__cities { list-style: none; display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; max-width: 940px; margin: 0 auto; }
.areas__cities li { display: flex; align-items: center; gap: 10px; background: #fff; border: 1px solid var(--line);
  border-radius: 14px; padding: 16px 18px; font-weight: 700; color: var(--navy-800); font-size: 1rem;
  box-shadow: var(--shadow-sm); transition: transform .18s, box-shadow .18s, border-color .18s; }
.areas__cities li:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: transparent; }
.areas__cities li::before { content: ""; flex: none; width: 12px; height: 12px; border-radius: 50%;
  background: radial-gradient(circle at 35% 30%, var(--orange), var(--orange-600)); box-shadow: 0 0 0 4px var(--orange-soft); }

/* ---------- Calculator disclaimer ---------- */
.calc__disclaimer { margin-top: 20px; padding-top: 16px; border-top: 1px solid var(--line);
  font-size: 0.78rem; color: var(--muted); line-height: 1.55; }

/* ---------- CTA email + light eyebrow ---------- */
.eyebrow--light { background: rgba(255,255,255,.14); color: #ffd9b0; }
.cta__email { display: inline-flex; align-items: center; gap: 9px; margin-top: 22px; font-weight: 700;
  color: #fff; font-size: 1rem; }
.cta__email svg { color: var(--orange); }
.cta__email:hover { color: var(--orange); }
.footer__site { display: block; color: var(--orange) !important; font-weight: 700; font-size: 0.92rem; margin-top: 10px; }

/* ============================================================
   Floating "Ask Orange" assistant (future talking-avatar home)
   ============================================================ */
.ask-orange { position: fixed; right: 22px; bottom: 22px; z-index: 200; }
.ask-orange__fab { position: relative; display: inline-flex; align-items: center; gap: 10px;
  background: #fff; border: 1px solid var(--line); border-radius: 100px; padding: 8px 18px 8px 8px;
  box-shadow: var(--shadow-lg); cursor: pointer; font-family: inherit;
  transition: transform .18s ease, box-shadow .18s ease; }
.ask-orange__fab:hover { transform: translateY(-3px); box-shadow: 0 26px 50px rgba(20,38,74,.22); }
.ask-orange__avatar { flex: none; display: grid; place-items: center; width: 46px; height: 46px; border-radius: 50%;
  overflow: hidden; background: linear-gradient(160deg, #fff1e2, #ffe0c2); }
.ask-orange__avatar img { width: 132%; height: 132%; object-fit: cover; object-position: top center; }
.ask-orange__label { display: flex; flex-direction: column; line-height: 1.1; text-align: left; }
.ask-orange__label strong { color: var(--navy-900); font-size: 0.98rem; font-weight: 800; }
.ask-orange__label small { color: var(--orange-600); font-size: 0.78rem; font-weight: 600; }
.ask-orange__pulse { position: absolute; right: 14px; top: 8px; width: 10px; height: 10px; border-radius: 50%;
  background: #2bb673; box-shadow: 0 0 0 0 rgba(43,182,115,.55); animation: pulse 2.4s infinite; }
@keyframes pulse { 0% { box-shadow: 0 0 0 0 rgba(43,182,115,.5); } 70% { box-shadow: 0 0 0 12px rgba(43,182,115,0); } 100% { box-shadow: 0 0 0 0 rgba(43,182,115,0); } }

.ask-orange__panel { position: absolute; right: 0; bottom: calc(100% + 14px); width: 340px;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg);
  padding: 20px; transform-origin: bottom right; animation: pop .22s ease; }
@keyframes pop { from { opacity: 0; transform: translateY(10px) scale(.96); } to { opacity: 1; transform: none; } }
.ask-orange__head { display: flex; align-items: center; gap: 12px; margin-bottom: 14px; }
.ask-orange__avatar--lg { width: 52px; height: 52px; }
.ask-orange__head strong { display: block; color: var(--navy-900); font-size: 1.05rem; }
.ask-orange__head small { color: var(--muted); font-size: 0.84rem; }
.ask-orange__close { margin-left: auto; align-self: flex-start; background: var(--bg-tint); border: 0; cursor: pointer;
  width: 30px; height: 30px; border-radius: 50%; font-size: 1.3rem; line-height: 1; color: var(--muted); }
.ask-orange__close:hover { background: var(--orange-soft); color: var(--orange-600); }
.ask-orange__text { font-size: 0.92rem; color: var(--muted); margin-bottom: 14px; }
.ask-orange__actions { display: grid; gap: 10px; }
.ask-orange__actions .btn { font-size: 0.95rem; padding: 12px 18px; }
.ask-orange__disclaimer { margin-top: 14px; font-size: 0.74rem; color: var(--muted); line-height: 1.5; }

@media (max-width: 480px) {
  /* Full-width bottom-sheet panel on small screens */
  .ask-orange__panel { position: fixed; right: 0; left: 0; bottom: 0; width: 100vw; border-radius: 22px 22px 0 0;
    padding: 22px 20px calc(22px + env(safe-area-inset-bottom)); }
  .ask-orange__fab .ask-orange__label { display: none; }
  .ask-orange__fab { padding: 8px; }
}

/* ============================================================
   About page
   ============================================================ */
.subhero {
  position: relative; overflow: hidden;
  padding: clamp(48px, 7vw, 86px) 0 clamp(40px, 6vw, 70px);
  background: linear-gradient(160deg, var(--bg-blue), #fff);
  border-bottom: 1px solid var(--line);
}
.subhero__grid { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 40px; align-items: center; }
.subhero__copy h1 { margin-bottom: 18px; }
.subhero__copy .lead { font-size: 1.16rem; max-width: 540px; }
.subhero__visual { display: grid; place-items: center; }
.subhero__visual img { width: min(100%, 380px); border-radius: var(--radius-lg); filter: drop-shadow(0 26px 38px rgba(20,38,74,.18)); animation: float 6s ease-in-out infinite; }

/* origin-story timeline */
.timeline { max-width: 760px; margin: 0 auto; position: relative; padding-left: 30px; }
.timeline::before { content: ""; position: absolute; left: 7px; top: 6px; bottom: 6px; width: 3px; background: linear-gradient(var(--orange), var(--orange-soft)); border-radius: 3px; }
.tl { position: relative; padding: 0 0 30px 26px; }
.tl:last-child { padding-bottom: 0; }
.tl::before { content: ""; position: absolute; left: -27px; top: 4px; width: 16px; height: 16px; border-radius: 50%; background: var(--orange); border: 3px solid #fff; box-shadow: 0 0 0 2px var(--orange-soft); }
.tl__year { font-weight: 800; color: var(--orange-600); font-size: 0.86rem; letter-spacing: .03em; text-transform: uppercase; }
.tl h3 { margin: 4px 0 6px; }
.tl p { font-size: 0.98rem; }

/* fun-fact cards */
.funfacts { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.fact { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px 24px; box-shadow: var(--shadow-sm); transition: transform .2s, box-shadow .2s; }
.fact:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.fact__emoji { font-size: 2rem; margin-bottom: 12px; }
.fact h3 { margin-bottom: 6px; }
.fact p { font-size: 0.95rem; }

/* serious company-facts panel */
.company {
  display: grid; grid-template-columns: 1fr 1.1fr; gap: 48px; align-items: start;
  background: linear-gradient(160deg, #fff, var(--bg-tint));
  border: 1px solid var(--line); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md); padding: clamp(28px, 4vw, 48px);
}
.company__intro h2 { margin-bottom: 14px; }
.company__intro p { font-size: 1.02rem; }
.badge-ehl { display: inline-flex; align-items: center; gap: 10px; margin-top: 22px; font-weight: 700; color: var(--navy-800); font-size: 0.92rem; }
.badge-ehl span { display: grid; place-items: center; width: 40px; height: 40px; border-radius: 9px; background: var(--navy-800); color: #fff; font-size: 1.2rem; }

.facts-list { display: grid; gap: 0; }
.facts-list dt { font-size: 0.78rem; text-transform: uppercase; letter-spacing: .05em; color: var(--muted); font-weight: 700; }
.facts-list dd { margin: 4px 0 0; font-size: 1.06rem; font-weight: 700; color: var(--navy-900); padding-bottom: 16px; margin-bottom: 16px; border-bottom: 1px solid var(--line); }
.facts-list dd:last-child { border-bottom: 0; }
.facts-list dd a { color: var(--orange-600); }
.facts-list dd small { display: block; font-weight: 500; font-size: 0.86rem; color: var(--muted); margin-top: 2px; }

.disclaimer { max-width: 820px; margin: 32px auto 0; text-align: center; font-size: 0.82rem; color: var(--muted); line-height: 1.65; }

@media (max-width: 860px) {
  .subhero__grid, .company { grid-template-columns: 1fr; }
  .subhero__visual { order: -1; max-width: 300px; margin-inline: auto; }
  .funfacts { grid-template-columns: 1fr; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition: none !important; scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; }
}

@media print {
  .nav, .hero__bg, .blob, .palm { display: none !important; }
  .reveal { opacity: 1 !important; transform: none !important; }
  .cta, .footer { background: #fff !important; color: #000 !important; }
}

/* ============================================================
   Responsive overrides for components defined above this point.
   Placed last so they win over the later base rules in source order.
   ============================================================ */
@media (max-width: 960px) {
  .process { grid-template-columns: 1fr; }
  .areas__cities { grid-template-columns: repeat(3, 1fr); }
  .steps--rail { max-width: 520px; margin-inline: auto; }
}
@media (max-width: 560px) {
  .areas__cities { grid-template-columns: repeat(2, 1fr); }
}