/* ============================================================
   ZACH REECE MORTGAGE | styles.css
   Fannie Mae-inspired design system — navy & orange accents
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Lato:ital,wght@0,300;0,400;0,700;0,900;1,400&family=Playfair+Display:wght@400;600;700&display=swap');

/* === CUSTOM PROPERTIES === */
:root {
  --navy-dark:    #001F42;
  --navy:         #003A70;
  --navy-mid:     #0C4A8C;
  --blue-accent:  #1B75BB;
  --blue-light:   #4A9ED6;
  --gold:         #E86522;
  --gold-light:   #FFAA55;
  --white:        #FFFFFF;
  --off-white:    #F5F7FA;
  --light-gray:   #E8ECF0;
  --mid-gray:     #B0BEC5;
  --text-dark:    #1A2B40;
  --text-gray:    #546E7A;
  --border:       #DDE3E9;
  --nav-height:   72px;
  --max-width:    1280px;
  --radius:       4px;
  --radius-lg:    8px;
  --transition:   0.25s ease;
  --shadow:       0 2px 12px rgba(0, 30, 70, 0.10);
  --shadow-hover: 0 8px 28px rgba(0, 30, 70, 0.18);
}

/* === RESET & BASE === */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Lato', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.65;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { font-family: inherit; cursor: pointer; }

/* === TYPOGRAPHY === */
h1, h2, h3, h4, h5 {
  font-family: 'Playfair Display', Georgia, serif;
  line-height: 1.2;
  color: var(--navy-dark);
}
h1 { font-size: clamp(2rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); }
h3 { font-size: clamp(1.1rem, 2.2vw, 1.5rem); }
h4 { font-size: 1.1rem; }
p  { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

/* Reusable headline accent bar */
.page-content h1,
.page-content h2 {
  position: relative;
  padding-top: 7px;
}
.page-content h1::before,
.page-content h2::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 36px;
  height: 3px;
  border-radius: 999px;
  background: var(--gold);
}
.section-header-center h2::before {
  left: 50%;
  transform: translateX(-50%);
}

/* === LAYOUT UTILITIES === */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 2rem;
}
.section      { padding: 88px 0; }
.section-alt  { background: var(--off-white); }
.section-navy { background: var(--navy-dark); color: var(--white); }
.section-navy h1,
.section-navy h2,
.section-navy h3 { color: var(--white); }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }

/* === BUTTONS === */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 30px;
  border-radius: var(--radius);
  font-family: 'Lato', sans-serif;
  font-size: 0.9rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  transition: var(--transition);
  border: 2px solid transparent;
  white-space: nowrap;
  line-height: 1;
}
.btn-navy         { background: var(--navy);  color: var(--white); border-color: var(--navy); }
.btn-navy:hover   { background: var(--navy-dark); border-color: var(--navy-dark); }
.btn-gold         { background: var(--gold);  color: var(--white); border-color: var(--gold); }
.btn-gold:hover   { background: #C45212; border-color: #C45212; }
.btn-outline-white       { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.7); }
.btn-outline-white:hover { background: var(--white); color: var(--navy); border-color: var(--white); }
.btn-outline-navy        { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline-navy:hover  { background: var(--navy); color: var(--white); }
.btn-sm { padding: 9px 20px; font-size: 0.8rem; }
.btn-lg { padding: 16px 38px; font-size: 1rem; }

.btn-group { display: flex; gap: 12px; flex-wrap: wrap; align-items: center; }

/* === SECTION LABEL === */
.section-label {
  display: block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--blue-accent);
  margin-bottom: 0.5rem;
  font-family: 'Lato', sans-serif;
}

/* === SECTION HEADER CENTER === */
.section-header-center { text-align: center; margin-bottom: 52px; }
.section-header-center h2 { max-width: 560px; margin: 0.5rem auto 1rem; }
.section-header-center p  { color: var(--text-gray); max-width: 620px; margin: 0 auto; font-size: 1.05rem; }

/* ============================================================
   NAVIGATION
   ============================================================ */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: var(--navy);
  height: var(--nav-height);
  display: flex;
  align-items: center;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  transition: box-shadow var(--transition);
}
.nav.scrolled { box-shadow: 0 4px 24px rgba(0, 0, 0, 0.35); }

.nav-inner {
  max-width: var(--max-width);
  width: 100%;
  margin: 0 auto;
  padding: 0 2rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
}
.nav-logo {
  font-family: 'Playfair Display', serif;
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--white);
  white-space: nowrap;
  flex-shrink: 0;
  letter-spacing: -0.01em;
}
.nav-logo span { color: var(--gold-light); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 2rem;
  flex: 1;
  justify-content: center;
}
.nav-links a {
  font-size: 0.875rem;
  font-weight: 700;
  color: rgba(255, 255, 255, 0.88);
  letter-spacing: 0.03em;
  position: relative;
  padding-bottom: 5px;
  transition: color var(--transition);
  white-space: nowrap;
}
.nav-links a::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 2px;
  background: var(--blue-accent);
  transform: scaleX(0);
  transition: transform var(--transition);
  transform-origin: left;
}
.nav-links a:hover,
.nav-links a.active { color: var(--white); }
.nav-links a:hover::after,
.nav-links a.active::after { transform: scaleX(1); }

.nav-cta { flex-shrink: 0; }

/* Primary CTA on dark nav: outline so it stays visible on --navy */
.nav .btn-navy,
.nav-mobile .btn-navy {
  background: transparent;
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.85);
}
.nav .btn-navy:hover,
.nav-mobile .btn-navy:hover {
  background: var(--white);
  color: var(--navy);
  border-color: var(--white);
}

.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  padding: 4px;
  cursor: pointer;
}
.nav-hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition);
}

.nav-mobile {
  display: none;
  position: fixed;
  top: var(--nav-height);
  left: 0; right: 0;
  background: var(--navy);
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  padding: 1.5rem 2rem 2rem;
  z-index: 999;
  flex-direction: column;
  gap: 0;
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.35);
}
.nav-mobile.open { display: flex; }
.nav-mobile a {
  font-weight: 700;
  color: rgba(255, 255, 255, 0.9);
  font-size: 0.95rem;
  padding: 1rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  transition: color var(--transition);
}
.nav-mobile a:hover { color: var(--white); }
.nav-mobile a.btn { margin-top: 1rem; border-bottom: none; padding: 10px 22px; align-self: flex-start; }

.page-content { padding-top: var(--nav-height); }

/* ============================================================
   HERO SECTION
   ============================================================ */
.hero {
  position: relative;
  background: var(--navy-dark);
  overflow: hidden;
}
.hero-tabs-bar {
  position: absolute;
  top: 0; left: 0; right: 0;
  z-index: 20;
  display: flex;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 2rem;
}
.hero-tab-btn {
  padding: 14px 26px;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  font-family: 'Lato', sans-serif;
  color: rgba(255, 255, 255, 0.6);
  background: transparent;
  border: none;
  border-bottom: 3px solid transparent;
  cursor: pointer;
  transition: var(--transition);
  white-space: nowrap;
}
.hero-tab-btn:hover,
.hero-tab-btn.active {
  color: var(--white);
  border-bottom-color: var(--gold);
}

.hero-panel {
  display: none;
  min-height: 600px;
  width: 100%;
}
.hero-panel.active { display: flex; }

/* Panel 1 — Default */
.hero-panel-1 {
  position: relative;
  background: var(--navy-dark);
  align-items: stretch;
  overflow: hidden;
}
.hero-panel-1::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url('https://images.unsplash.com/photo-1464822759023-fed622ff2c3b?w=1400&h=650&fit=crop&auto=format');
  background-size: cover;
  background-position: center;
  z-index: 0;
}
.hero-panel-1::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(140deg, rgba(0, 25, 60, 0.92) 45%, rgba(0, 25, 60, 0.55) 100%);
  z-index: 1;
}
.hero-panel-1 > .container {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1.22fr);
  align-items: flex-end;
  gap: 48px clamp(64px, 8vw, 112px);
  padding-top: 72px;
  padding-bottom: 0;
}
.hero-text {
  position: relative;
  z-index: 3;
  padding: 48px 0 60px;
  max-width: 620px;
  text-align: left;
}
.hero-text h1 {
  color: var(--white);
  font-size: clamp(2.8rem, 5.5vw, 4.2rem);
  margin-bottom: 1rem;
  line-height: 1.08;
}
.hero-text .hero-sub {
  color: var(--gold-light);
  font-size: 1.05rem;
  font-weight: 700;
  font-family: 'Lato', sans-serif;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 0.5rem;
}
.hero-text .hero-body {
  color: rgba(255, 255, 255, 0.65);
  font-size: 0.95rem;
  margin-bottom: 0.35rem;
  letter-spacing: 0.02em;
}
.hero-text .hero-body:last-of-type {
  margin-bottom: 2.5rem;
}

.hero-img-wrap {
  position: relative;
  z-index: 1;
  display: flex;
  justify-content: center;
  align-items: flex-end;
  isolation: isolate;
}
/* Frosted light grey — low alpha so mountain hero reads through (see-through areas of SVG/PNG also pick up the bg). */
.hero-img-backplate {
  position: absolute;
  inset: 0;
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
  background: rgba(242, 245, 249, 0.12);
  z-index: 0;
  pointer-events: none;
}
.hero-img-photo {
  position: relative;
  z-index: 1;
  max-height: 600px;
  width: 100%;
  object-fit: contain;
  object-position: center bottom;
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
}

/* Panel 2 — Colorado Living */
.hero-panel-2 {
  position: relative;
  align-items: center;
}
.hero-panel-2 .hero-bg {
  position: absolute;
  inset: 0;
  width: 100%; height: 100%;
  object-fit: cover;
  z-index: 0;
}
.hero-panel-2 .hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(140deg, rgba(0, 25, 60, 0.92) 45%, rgba(0, 25, 60, 0.55) 100%);
  z-index: 1;
}
.hero-panel-2 > .container {
  position: relative;
  z-index: 2;
  padding-top: 90px;
  padding-bottom: 90px;
  max-width: 680px;
  margin: 0 auto;
}
.hero-panel-2 h2 {
  color: var(--white);
  font-size: clamp(2rem, 4vw, 3.2rem);
  margin-bottom: 1rem;
}
.hero-panel-2 .hero-sub {
  color: rgba(255, 255, 255, 0.8);
  font-size: 1.15rem;
  margin-bottom: 2.5rem;
}

/* ============================================================
   STATS BAR
   ============================================================ */
.stats-bar { background: var(--navy-dark); padding: 44px 0; }
.stats-bar-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 22px;
}
.stats-bar-powered {
  margin: 0;
  font-family: 'Lato', sans-serif;
  font-size: clamp(1rem, 2.15vw, 1.22rem);
  font-weight: 700;
  letter-spacing: 0.11em;
  text-transform: uppercase;
  color: var(--white);
  text-align: center;
}
.stats-bar-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  width: 100%;
}
.stat-item {
  text-align: center;
  padding: 12px 8px;
  border-right: 1px solid rgba(255, 255, 255, 0.14);
}
.stat-item:last-child { border-right: none; }
.stat-number {
  display: block;
  font-family: 'Playfair Display', serif;
  font-size: 2.6rem;
  font-weight: 700;
  color: var(--gold-light);
  line-height: 1;
  margin-bottom: 6px;
}
.stat-label {
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.7);
  letter-spacing: 0.02em;
  line-height: 1.4;
}

/* ============================================================
   ABOUT (HOME)
   ============================================================ */
.about-photo {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  aspect-ratio: 4/5;
  box-shadow: var(--shadow-hover);
}
.about-photo img { width: 100%; height: 100%; object-fit: cover; }
.about-photo::before {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 5px;
  background: var(--gold);
  z-index: 1;
}
.about-text h2 { margin-bottom: 1rem; }
.about-text p  { color: var(--text-gray); line-height: 1.75; }
.about-text .btn { margin-top: 1.5rem; }

/* ============================================================
   PROGRAMS SECTION
   ============================================================ */
.programs-section { background: var(--off-white); }
.programs-tabs {
  display: flex;
  flex-wrap: wrap;
  border-bottom: 2px solid var(--border);
  margin-bottom: 44px;
  gap: 0;
}
.prog-tab-btn {
  padding: 13px 18px;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.03em;
  font-family: 'Lato', sans-serif;
  color: var(--text-gray);
  background: transparent;
  border: none;
  border-bottom: 3px solid transparent;
  cursor: pointer;
  transition: var(--transition);
  white-space: nowrap;
  margin-bottom: -2px;
}
.prog-tab-btn:hover,
.prog-tab-btn.active {
  color: var(--navy);
  border-bottom-color: var(--blue-accent);
}
.prog-panel { display: none; }
.prog-panel.active {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.prog-img {
  border-radius: var(--radius-lg);
  overflow: hidden;
  aspect-ratio: 16/10;
  box-shadow: var(--shadow);
}
.prog-img img {
  width: 100%; height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}
.prog-img:hover img { transform: scale(1.04); }
.prog-content h3 { margin-bottom: 0.75rem; }
.prog-content p   { color: var(--text-gray); margin-bottom: 1.75rem; line-height: 1.75; }

/* ============================================================
   CARDS
   ============================================================ */
.card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: transform var(--transition), box-shadow var(--transition);
  display: flex;
  flex-direction: column;
}
.card:hover { box-shadow: var(--shadow-hover); transform: translateY(-5px); }
.card-accent-top { border-top: 4px solid var(--blue-accent); }

.card-img { aspect-ratio: 16/9; overflow: hidden; }
.card-img img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.5s ease; }
.card:hover .card-img img { transform: scale(1.07); }

.card-icon {
  background: var(--off-white);
  padding: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.card-icon svg { width: 52px; height: 52px; color: var(--navy); }

.card-body {
  padding: 30px;
  flex: 1;
  display: flex;
  flex-direction: column;
}
.card-label { /* uses .section-label */ }
.card-body h3 { font-size: 1.05rem; margin-bottom: 0.75rem; color: var(--navy-dark); }
.card-body p  { color: var(--text-gray); font-size: 0.9rem; line-height: 1.7; flex: 1; }
.card-body .btn { margin-top: 1.5rem; align-self: flex-start; }
.card-meta { font-size: 0.78rem; color: var(--text-gray); margin-bottom: 0.5rem; }

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials-section {
  background: var(--white);
  border-top: 1px solid var(--border);
}
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.testimonial-card {
  margin: 0;
  padding: 32px 28px 28px;
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  border-top: 4px solid var(--gold);
  display: flex;
  flex-direction: column;
  height: 100%;
}
.testimonial-stars {
  color: var(--gold);
  font-size: 1rem;
  letter-spacing: 0.12em;
  margin-bottom: 1rem;
  line-height: 1;
}
.testimonial-quote {
  color: var(--text-dark);
  font-size: 0.95rem;
  line-height: 1.75;
  margin: 0 0 1.5rem;
  flex: 1;
}
.testimonial-footer {
  margin-top: auto;
  padding-top: 1rem;
  border-top: 1px solid var(--border);
}
.testimonial-name {
  display: block;
  font-style: normal;
  font-weight: 700;
  color: var(--navy-dark);
  font-size: 0.95rem;
  margin-bottom: 4px;
}
.testimonial-meta {
  display: block;
  font-size: 0.8rem;
  color: var(--text-gray);
  line-height: 1.4;
}
.testimonials-note {
  text-align: center;
  margin: 2.5rem 0 0;
  font-size: 0.9rem;
}
.testimonials-note a {
  color: var(--blue-accent);
  font-weight: 700;
  letter-spacing: 0.02em;
}
.testimonials-note a:hover { color: var(--navy-mid); }

/* ============================================================
   CTA BANNER
   ============================================================ */
.cta-banner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 88px 0;
  text-align: center;
}
/* Gold accent from .page-content h2::before is left-aligned to the h2 box; center it with the headline text. */
.cta-banner h2::before {
  left: 50%;
  transform: translateX(-50%);
}
.cta-banner h2 { color: var(--white); margin-bottom: 1rem; }
.cta-banner p  { color: rgba(255,255,255,0.75); margin-bottom: 2.5rem; font-size: 1.05rem; max-width: 560px; margin-left: auto; margin-right: auto; }
.cta-banner .btn-group { justify-content: center; }

/* ============================================================
   PAGE HERO (inner pages)
   ============================================================ */
.page-hero {
  background: var(--navy-dark);
  padding: 96px 0 64px;
  position: relative;
  overflow: hidden;
}
.page-hero::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--gold) 0%, var(--blue-accent) 100%);
}
.page-content .page-hero h1,
.page-content .page-hero-img h1 { color: var(--white); margin-bottom: 1rem; }
.page-hero p  { color: rgba(255,255,255,0.72); font-size: 1.1rem; max-width: 580px; }

.page-hero-img {
  position: relative;
  overflow: hidden;
}
.page-hero-img .bg-img {
  position: absolute;
  inset: 0;
  width: 100%; height: 100%;
  object-fit: cover;
  z-index: 0;
}
.page-hero-img .bg-overlay {
  position: absolute;
  inset: 0;
  background: rgba(0, 25, 60, 0.80);
  z-index: 1;
}
.page-hero-img .container { position: relative; z-index: 2; }

/* ============================================================
   BREADCRUMB
   ============================================================ */
.breadcrumb {
  background: var(--off-white);
  padding: 14px 0;
  border-bottom: 1px solid var(--border);
}
.breadcrumb .container { display: flex; align-items: center; gap: 8px; font-size: 0.82rem; }
.breadcrumb a    { color: var(--blue-accent); transition: color var(--transition); }
.breadcrumb a:hover { color: var(--navy); }
.breadcrumb .sep { color: var(--mid-gray); }
.breadcrumb .current { color: var(--text-gray); }

/* ============================================================
   FOOTER
   ============================================================ */
.footer { background: var(--navy-dark); padding: 72px 0 0; }
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1.4fr 1.8fr 2fr;
  gap: 40px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-col h4 {
  font-family: 'Lato', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-light);
  margin-bottom: 1.25rem;
}
.footer-logo {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 1rem;
}
.footer-logo span { color: var(--gold-light); }
.footer-col > p {
  color: rgba(255, 255, 255, 0.55);
  font-size: 0.88rem;
  line-height: 1.75;
}
.footer-links { display: flex; flex-direction: column; gap: 9px; }
.footer-links a {
  color: rgba(255, 255, 255, 0.6);
  font-size: 0.875rem;
  transition: color var(--transition);
}
.footer-links a:hover { color: var(--gold-light); }

.footer-contact-item {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 14px;
}
.footer-contact-item svg { width: 17px; height: 17px; color: var(--gold-light); flex-shrink: 0; }
.footer-contact-item a,
.footer-contact-item span {
  color: rgba(255, 255, 255, 0.65);
  font-size: 0.875rem;
  transition: color var(--transition);
}
.footer-contact-item a:hover { color: var(--gold-light); }

.footer-socials { display: flex; gap: 10px; margin-top: 1.75rem; }
.footer-social-btn {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255, 255, 255, 0.7);
  transition: var(--transition);
  border: 1px solid rgba(255,255,255,0.12);
}
.footer-social-btn:hover { background: var(--gold); color: var(--navy-dark); border-color: var(--gold); }
.footer-social-btn svg { width: 17px; height: 17px; }

.footer-calculator {
  padding-bottom: 48px;
  margin-bottom: 48px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}
.footer-calculator h4 {
  font-family: 'Lato', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-light);
  margin-bottom: 0.5rem;
}
.footer-calculator-note {
  color: rgba(255, 255, 255, 0.45);
  font-size: 0.78rem;
  line-height: 1.5;
  margin: 0 0 1.5rem;
}
.footer-calc-fields {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px 20px;
  align-items: end;
}
.footer-calc-field label {
  display: block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 6px;
}
.footer-calc-field input,
.footer-calc-field select {
  width: 100%;
  padding: 10px 12px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.08);
  color: var(--white);
  font-family: 'Lato', sans-serif;
  font-size: 0.9rem;
  outline: none;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.footer-calc-field input:focus,
.footer-calc-field select:focus {
  border-color: var(--gold-light);
  box-shadow: 0 0 0 2px rgba(255, 170, 85, 0.25);
}
.footer-calc-field select {
  appearance: none;
  cursor: pointer;
}
.footer-calc-result {
  margin-top: 24px;
  padding: 20px 24px;
  background: rgba(255, 255, 255, 0.06);
  border-radius: var(--radius-lg);
  border-left: 4px solid var(--gold);
  display: flex;
  flex-wrap: wrap;
  align-items: baseline;
  justify-content: space-between;
  gap: 12px;
}
.footer-calc-result-label {
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.65);
}
.footer-calc-result-value {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 700;
  color: var(--gold-light);
  line-height: 1.1;
}

.footer-bottom { padding: 22px 0; text-align: center; }
.footer-bottom p {
  color: rgba(255, 255, 255, 0.35);
  font-size: 0.78rem;
  letter-spacing: 0.02em;
}

/* ============================================================
   CONTACT FORM
   ============================================================ */
.form-group { margin-bottom: 1.5rem; }
.form-group label {
  display: block;
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 6px;
  letter-spacing: 0.01em;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-family: 'Lato', sans-serif;
  font-size: 0.95rem;
  color: var(--text-dark);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
  appearance: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--blue-accent);
  box-shadow: 0 0 0 3px rgba(27, 117, 187, 0.12);
}
.form-group textarea { resize: vertical; min-height: 140px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }

/* ============================================================
   PROGRAM HERO (individual program pages)
   ============================================================ */
.program-hero {
  background: var(--navy-dark);
  padding: 96px 0 64px;
  position: relative;
  overflow: hidden;
}
.program-hero::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--gold) 0%, var(--blue-accent) 100%);
}
.program-hero .container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.page-content .program-hero h1 {
  color: var(--white);
  margin-bottom: 1rem;
  font-size: clamp(1.8rem, 4vw, 3rem);
}
.program-hero p  { color: rgba(255,255,255,0.72); font-size: 1.05rem; line-height: 1.75; }
.program-hero .btn-group { margin-top: 2rem; }
.program-hero-img { border-radius: var(--radius-lg); overflow: hidden; aspect-ratio: 16/10; box-shadow: 0 16px 48px rgba(0,0,0,0.35); }
.program-hero-img img { width: 100%; height: 100%; object-fit: cover; }

/* Benefits Grid */
.benefits-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-top: 2rem;
}
.benefit-item {
  display: flex;
  gap: 14px;
  padding: 22px;
  background: var(--off-white);
  border-radius: var(--radius-lg);
  align-items: flex-start;
  border: 1px solid var(--border);
  transition: var(--transition);
}
.benefit-item:hover { border-color: var(--blue-accent); box-shadow: var(--shadow); }
.benefit-icon {
  width: 42px; height: 42px;
  border-radius: 50%;
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--white);
}
.benefit-icon svg { width: 20px; height: 20px; }
.benefit-text h4 { color: var(--navy-dark); margin-bottom: 4px; font-size: 0.95rem; }
.benefit-text p  { color: var(--text-gray); font-size: 0.85rem; margin: 0; line-height: 1.5; }

/* ============================================================
   RESOURCE ARTICLES
   ============================================================ */
.resource-article {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 52px;
  box-shadow: var(--shadow);
  margin-bottom: 32px;
  border-left: 5px solid var(--blue-accent);
}
.resource-article .resource-tag {
  display: inline-block;
  background: rgba(27,117,187,0.1);
  color: var(--blue-accent);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: 20px;
  margin-bottom: 1rem;
}
.resource-article h2 { font-size: 1.7rem; margin-bottom: 1rem; }
.resource-article p  { color: var(--text-gray); line-height: 1.8; }
.resource-article h3 { font-size: 1.1rem; color: var(--navy); margin: 2rem 0 0.75rem; }
.resource-article ul {
  list-style: disc;
  padding-left: 1.5rem;
  color: var(--text-gray);
  line-height: 1.8;
  margin-bottom: 1rem;
}

/* ============================================================
   BLOG
   ============================================================ */
.blog-section-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  margin-bottom: 44px;
}

.blog-articles {
  margin-top: 20px;
  padding-top: 40px;
  border-top: 1px solid var(--border);
}
.blog-article {
  scroll-margin-top: calc(var(--nav-height) + 24px);
  padding: 40px 0 48px;
  border-bottom: 1px solid var(--border);
  max-width: 720px;
  margin: 0 auto;
}
.blog-article:last-of-type { border-bottom: none; }
.blog-article .blog-back {
  display: inline-block;
  margin-bottom: 1.25rem;
  font-family: 'Lato', sans-serif;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--blue-accent);
}
.blog-article .blog-back:hover { color: var(--navy-mid); }
.blog-article .article-meta {
  color: var(--text-gray);
  font-size: 0.9rem;
  margin-bottom: 0.75rem;
}
.blog-article h2 { margin-bottom: 1.25rem; }
.blog-article p {
  color: var(--text-gray);
  line-height: 1.8;
  margin-bottom: 1rem;
}

/* ============================================================
   COLORADO LIVING
   ============================================================ */
.col-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.col-section.reverse > :first-child { order: 2; }
.col-section.reverse > :last-child  { order: 1; }
.col-img { border-radius: var(--radius-lg); overflow: hidden; aspect-ratio: 4/3; box-shadow: var(--shadow); }
.col-img img { width: 100%; height: 100%; object-fit: cover; }

/* ============================================================
   ABOUT PAGE
   ============================================================ */
.about-page-grid {
  display: grid;
  grid-template-columns: 380px 1fr;
  gap: 64px;
  align-items: start;
}
.about-page-photo {
  position: sticky;
  top: calc(var(--nav-height) + 32px);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-hover);
}
.about-page-photo img { width: 100%; display: block; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1100px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  .footer-calc-fields { grid-template-columns: repeat(2, 1fr); }
  .about-page-grid { grid-template-columns: 300px 1fr; gap: 40px; }
  .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 900px) {
  .nav-links, .nav-cta { display: none; }
  .nav-hamburger { display: flex; }

  .grid-2 { grid-template-columns: 1fr; }
  .grid-3 { grid-template-columns: 1fr 1fr; }

  .hero-panel-1 > .container {
    grid-template-columns: minmax(0, 1fr) minmax(0, 1.18fr);
    gap: 36px clamp(40px, 5vw, 64px);
    align-items: end;
  }
  .hero-img-photo {
    max-height: min(500px, 56vw);
  }
  .hero-panel { min-height: 500px; }
  .hero-text { padding: 72px 0 56px; }

  .stats-bar-grid { grid-template-columns: 1fr 1fr; }
  .stat-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.12); padding: 16px; }
  .stat-item:nth-child(odd)  { border-right: 1px solid rgba(255,255,255,0.12); }
  .stat-item:last-child, .stat-item:nth-last-child(2) { border-bottom: none; }

  .prog-panel.active { grid-template-columns: 1fr; }
  .prog-img { aspect-ratio: 16/9; }

  .program-hero .container { grid-template-columns: 1fr; }
  .program-hero-img { display: none; }

  .about-page-grid { grid-template-columns: 1fr; }
  .about-page-photo { position: static; max-width: 360px; }

  .col-section, .col-section.reverse { grid-template-columns: 1fr; }
  .col-section.reverse > :first-child { order: 0; }
  .col-section.reverse > :last-child  { order: 0; }

  .benefits-grid { grid-template-columns: 1fr; }

  .blog-section-header { flex-direction: column; align-items: flex-start; gap: 1rem; }
}

@media (max-width: 640px) {
  .container { padding: 0 1.25rem; }
  .section { padding: 60px 0; }

  .grid-3 { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .footer-calc-fields { grid-template-columns: 1fr; }

  .hero-panel { min-height: 380px; }
  .hero-panel-1 > .container {
    grid-template-columns: 1fr;
    gap: 0;
    align-items: stretch;
  }
  /* Portrait hidden on narrow screens — avoid stacking image above copy */
  .hero-img-wrap {
    display: none;
  }
  .hero-text {
    text-align: center;
    padding: 48px 0 56px;
    max-width: none;
  }
  /* Keep accent bar centered over the heading when copy is centered */
  .hero-text h1::before {
    left: 50%;
    transform: translateX(-50%);
  }
  .hero-text .btn {
    margin-left: auto;
    margin-right: auto;
  }

  .resource-article { padding: 28px 24px; }

  .cta-banner .btn-group { flex-direction: column; align-items: center; }

  .programs-tabs { gap: 0; }
  .prog-tab-btn { padding: 10px 12px; font-size: 0.75rem; }
}