/*
Theme Name: Utmost Financial
Theme URI: https://utmostfinancial.ca
Author: Utmost Financial Inc.
Author URI: https://utmostfinancial.ca
Description: A professional WordPress theme for Utmost Financial Inc. - Your trusted partner for insurance, investment, and mortgage solutions in Canada. Features custom post types for team members and services, full theme customizer support, and Contact Form 7 integration.
Version: 1.0.0
License: GNU General Public License v2 or later
License URI: http://www.gnu.org/licenses/gpl-2.0.html
Text Domain: utmost-financial
Tags: custom-logo, custom-menu, featured-images, theme-options, translation-ready

Utmost Financial WordPress Theme
Copyright 2024 Utmost Financial Inc.
*/

/* Base Reset */
*,
*::before,
*::after {
  box-sizing: border-box;
}

body {
  font-family:
    "Inter",
    -apple-system,
    BlinkMacSystemFont,
    "Segoe UI",
    Roboto,
    Oxygen,
    Ubuntu,
    sans-serif;
  min-height: 100vh;

  background-color: rgb(255, 255, 255);
}

a {
  text-decoration: none;
  color: inherit;
  transition: color 0.3s ease;
}

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

h1,
h2,
h3,
h4,
h5,
h6 {
  margin: 0 0 1rem;
  font-weight: 600;
  line-height: 1.3;
  color: #333333;
}

p {
  margin: 0 0 1rem;
}

ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

/* Color Variables - Light Blue, Gold & White Theme */
:root {
  --primary-blue: #0077b6;
  --primary-blue-dark: #005a8c;
  --primary-blue-light: #00a8e8;
  --gold: #d4af37;
  --gold-dark: #b8962e;
  --footer-bg: #003d5c;
  --white: #ffffff;
  --light-bg: #f0f7ff;
  --gray-text: #475569;
  --gray-border: #e2e8f0;
  --gray-300: #cbd5e1;
  --gray-600: #475569;
  --gray-800: #1e293b;
}

/* Container */
.container {
  padding-left: 1rem;
  padding-right: 1rem;
  max-width: 80rem;
}

.hero-container {
  position: relative;
  z-index: 10;
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  text-align: center;
  color: white;
}

.services-container {
  max-width: 80rem;
  margin-left: auto;
  margin-right: auto;
  padding-left: 1rem;
  padding-right: 1rem;
}

.features-container {
  margin-left: auto;

  margin-right: auto;

  max-width: 80rem;

  padding-left: 1rem;

  padding-right: 1rem;
}

@media (min-width: 640px) {
  .services-container {
    padding-left: 1.5rem;
    padding-right: 1.5rem;
  }
}

.header-container {
  margin-left: auto;

  margin-right: auto;

  max-width: 80rem;

  padding-left: 1rem;

  padding-right: 1rem;
}

@media (min-width: 640px) {
  .header-container {
    padding-left: 1.5rem;
    padding-right: 1.5rem;
  }
}

/* Header Styles */
.site-header {
  position: sticky;
  top: 0;
  left: 0;
  width: 100%;
  z-index: 9999; /* Ensure it's above everything */
  background-color: #ffffff; /* Must have a solid background */
  transition: all 0.3s ease; /* Smooth transition for shadow */
}

@media (min-width: 600px) {
  .site-header {
    top: 0;
  }
}

.header-inner {
  display: flex;

  height: 5rem;

  align-items: center;

  justify-content: space-between;
}

.site-logo img {
  display: flex;

  align-items: center;
}

@media (min-width: 768px) {
  .site-logo img {
    height: 6rem;
  }
}
@media (min-width: 1024px) {
  .site-logo img {
    height: 7rem;
  }
}

/* Navigation */
.main-navigation {
  display: none;

  align-items: center;

  margin-right: calc(0.25rem * 0);

  margin-left: calc(0.25rem * calc(1 - 0));
}

@media (min-width: 768px) {
  .main-navigation {
    height: 5rem;
  }
}

@media (min-width: 1024px) {
  .main-navigation {
    display: flex;
    height: 6rem;
  }
}

.main-navigation ul {
  display: none;
  margin-left: 0.25rem;
  align-items: center;
}

@media (min-width: 1024px) {
  .main-navigation ul {
    display: flex;
  }
}

/* .main-navigation li {
  padding-top: 0.5rem;
  padding-bottom: 0.5rem;
  padding-left: 0.75rem;
  padding-right: 0.75rem;
  border-radius: 0.375rem;
  font-size: 0.875rem;
  line-height: 1.25rem;
  font-weight: 500;
  color: #374151;
  transition-property:
    color, background-color, border-color, text-decoration-color, fill, stroke;
  transition-timing-function: cubic-bezier(0.4, 0, 0.2, 1);
  transition-duration: 300ms;
}

.main-navigation li:hover {
  color: #0077b6;
  background: #f0f7ff;
} */

.main-navigation a {
  padding-top: 0.5rem;
  padding-bottom: 0.5rem;
  padding-left: 0.75rem;
  padding-right: 0.75rem;
  border-radius: 0.375rem;
  font-size: 0.875rem;
  line-height: 1.25rem;
  font-weight: 500;
  color: #374151;
  transition-property:
    color, background-color, border-color, text-decoration-color, fill, stroke;
  transition-timing-function: cubic-bezier(0.4, 0, 0.2, 1);
  transition-duration: 300ms;
}

.main-navigation a:hover {
  color: #0077b6;
  background: #f0f7ff;
}

.nav-item {
  position: relative;
}

.nav-item.has-dropdown:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.dropdown-menu {
  position: absolute;
  top: 100%;
  left: 0;
  background: var(--white);
  min-width: 200px;
  box-shadow: 0 10px 40px rgba(0, 0, 0, 0.1);
  border-radius: 8px;
  border: 1px solid var(--gray-border);
  padding: 0.5rem 0;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-10px);
  transition: all 0.3s ease;
}

.dropdown-menu a {
  display: block;
  padding: 0.75rem 1.25rem;
  color: var(--gray-600);
}

.dropdown-menu a:hover {
  background-color: var(--light-bg);
  color: var(--primary-blue);
}

/* Mobile Menu Toggle */
.mobile-menu-toggle {
  display: flex;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.5rem;
}

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

.mobile-menu-toggle span {
  width: 24px;
  height: 2px;
  background-color: var(--gray-800);
  transition: all 0.3s ease;
}

/* Mobile Navigation */
.mobile-navigation {
  display: none;
  background: var(--white);
  padding: 1rem;
  border-top: 1px solid var(--gray-border);
  max-height: 80vh;
  overflow-y: auto;
}

/* Language Switcher */
.language-switcher {
  display: flex;
  align-items: center;
  gap: 0.25rem;
  margin-right: 1rem;
}

.language-switcher .lang-btn {
  padding-top: 0.5rem;
  padding-bottom: 0.5rem;
  padding-left: 0.75rem;
  padding-right: 0.75rem;
  gap: 0.375rem;
  align-items: center;
  border-radius: 0.375rem;
  font-size: 0.875rem;
  line-height: 1.25rem;
  font-weight: 500;
  color: #374151;
  transition-property:
    color, background-color, border-color, text-decoration-color, fill, stroke;
  transition-timing-function: cubic-bezier(0.4, 0, 0.2, 1);
  transition-duration: 300ms;
}

.language-switcher .lang-btn:hover {
  color: var(--primary-blue);
}

.language-switcher .lang-btn.active {
  color: var(--primary-blue);
  background: rgba(0, 119, 182, 0.1);
  border-radius: 4px;
}

.language-switcher .lang-separator {
  color: var(--gray-300);
  font-weight: 300;
}

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

@media (min-width: 1024px) {
  .mobile-navigation {
    display: none !important;
  }
}

/* Mobile Menu Styles */
.mobile-menu {
  display: flex;
  flex-direction: column;
  gap: 0;
  list-style: none;
  padding: 0;
  margin: 0;
}

.mobile-menu-item {
  border-bottom: 1px solid var(--gray-border);
}

.mobile-menu-item:last-child {
  border-bottom: none;
}

.mobile-menu-item > a {
  display: block;
  padding: 1rem;
  color: var(--gray-800);
  font-weight: 600;
  transition: all 0.3s ease;
}

.mobile-menu-item > a:hover {
  color: var(--primary-blue);
  background-color: var(--light-bg);
}

.mobile-menu-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0;
}

.mobile-menu-header a {
  flex: 1;
  display: block;
  padding: 1rem;
  color: var(--gray-800);
  font-weight: 600;
  transition: all 0.3s ease;
}

.mobile-menu-header a:hover {
  color: var(--primary-blue);
}

.submenu-toggle {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  cursor: pointer;
  color: var(--primary-blue);
  transition: transform 0.3s ease;
}

.submenu-toggle.open {
  transform: rotate(180deg);
}

.submenu-toggle svg {
  pointer-events: none;
}

/* Mobile Submenu */
.mobile-submenu {
  display: none;
  list-style: none;
  padding: 0;
  margin: 0;
  background-color: var(--light-bg);
}

.mobile-submenu.open {
  display: block;
}

.mobile-submenu li {
  border-top: 1px solid var(--gray-border);
}

.mobile-submenu a {
  display: block;
  padding: 0.875rem 1rem 0.875rem 2rem;
  color: var(--gray-600);
  font-size: 0.9375rem;
  transition: all 0.3s ease;
}

.mobile-submenu a:hover {
  color: var(--white);
  background-color: var(--primary-blue);
}

/* Mobile Agent Button */
.mobile-agent-btn {
  display: block;
  text-align: center;
  margin-top: 1rem;
  width: 100%;
}

/* Legacy mobile navigation styles */
.mobile-navigation ul {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.mobile-navigation a {
  display: block;
  padding: 0.75rem 1rem;
  color: var(--gray-600);
  border-radius: 8px;
}

.mobile-navigation a:hover {
  background-color: var(--light-bg);
  color: var(--primary-blue);
}

/* Header Buttons Container */
.header-buttons {
  display: none;
  margin-left: 0.75rem;
  margin-left: 0.875rem;
  align-items: center;
}

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

/* Referral Button */
.referral-btn {
  display: inline-flex;
  padding-top: 0.5rem;
  padding-bottom: 0.5rem;
  padding-left: 1rem;
  padding-right: 1rem;
  gap: 0.5rem;
  justify-content: center;
  align-items: center;
  border-radius: 0.375rem;
  border-width: 2px;
  font-size: 0.875rem;
  line-height: 1.25rem;
  font-weight: 600;
  white-space: nowrap;
  transition-property:
    color, background-color, border-color, text-decoration-color, fill, stroke;
  transition-timing-function: cubic-bezier(0.4, 0, 0.2, 1);
  transition-duration: 300ms;
  box-shadow: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
  border-color: #d4af37;
  color: #d4af37;
  margin-right: 8px;
}

.referral-btn:hover {
  background: #d4af37;
  color: #003d5c;
}

/* Agent Login Button */
.agent-login-btn {
  display: inline-flex;
  padding-top: 0.5rem;
  padding-bottom: 0.5rem;
  padding-left: 1rem;
  padding-right: 1rem;
  gap: 0.5rem;
  justify-content: center;
  align-items: center;
  border-radius: 0.375rem;
  font-size: 0.875rem;
  line-height: 1.25rem;
  font-weight: 600;
  color: #ffffff;
  white-space: nowrap;
  transition-property:
    color, background-color, border-color, text-decoration-color, fill, stroke;
  transition-timing-function: cubic-bezier(0.4, 0, 0.2, 1);
  transition-duration: 300ms;
  box-shadow:
    0 1px 3px 0 rgba(0, 0, 0, 0.1),
    0 1px 2px 0 rgba(0, 0, 0, 0.06);
  background: #0077b6;
}

.agent-login-btn:hover {
  background: #005a8c;
  color: var(--white);
}

/* Hero Section */
.hero-section {
  position: relative;
  display: flex;
  min-height: 90vh;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  color: rgb(255, 255, 255);
}

/* Your requested Absolute Image Style */
.hero-bg-image {
  position: absolute;
  top: 0;
  right: 0;
  bottom: 0;
  left: 0;
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
  z-index: 1; /* Lowest layer */
}

/* The Gradient Overlay (on top of image) */
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to bottom,
    rgba(0, 61, 92, 0.9),
    rgba(0, 119, 182, 0.8),
    #0077b6
  );
  z-index: 2;
}

/* The Bottom White Fade */
.hero-bottom-fade {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 8rem;
  background: linear-gradient(to bottom, transparent, #ffffff);
  z-index: 11; /* Above the blue gradient */
  pointer-events: none;
}

.hero-section h1 {
  font-size: 4;
  font-weight: bold;
  margin-bottom: 1.5rem;
  color: var(--white);
}

.text-yellow {
  color: #d4af37;
}

@media (min-width: 768px) {
  .hero-section h1 {
    font-size: 3.5rem;
  }
}

.hero-section p {
  font-size: 1.125rem;
  color: rgba(255, 255, 255, 0.9);
  max-width: 600px;
  margin: 0 auto 2rem;
}

.hero-buttons {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 1rem;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 8px 16px;
  font-weight: 600;
  font-size: 1rem;
  border-radius: 8px;
  transition: all 0.3s ease;
  cursor: pointer;
  border: none;
}

.btn-primary {
  background-color: var(--gold);
  color: var(--footer-bg);
}

.btn-primary:hover {
  background-color: var(--gold-dark);
}

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

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

.btn-outline {
  background-color: transparent;
  color: var(--primary-blue);
  border: 2px solid var(--primary-blue);
}

.btn-outline:hover {
  background-color: var(--primary-blue);
  color: var(--white);
}

.btn-quote {
  background-color: var(--white);
  color: var(--primary-blue);
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
}

.btn-quote:hover {
  background-color: var(--light-bg);
  color: var(--primary-blue-dark);
}

/* Sections */
.section {
  padding-top: 5rem;
  padding-bottom: 5rem;
  background-color: #ffffff;
}

.section-light {
  background-color: var(--light-bg);
}

.section-dark {
  background-color: var(--footer-bg);
  color: var(--white);
}

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

.section-title {
  margin-bottom: 0.75rem;
  font-size: 1.5rem;
  line-height: 2rem;
  font-weight: 700;
  color: #1f2937;
}

@media (min-width: 768px) {
  .section-title {
    font-size: 2.25rem; /* 36px, for text-4xl */
  }
}

@media (min-width: 1024px) {
  .section-title {
    font-size: 2rem; /* 48px, for text-5xl */
    text-align: center;
  }
}

.section-dark .section-title,
.section-blue .section-title {
  color: var(--white);
}

.section-subtitle {
  /* text-lg: sets the font size and line height */
  font-size: 1.125rem; /* 18px */
  line-height: 1.75rem; /* 28px */

  text-align: center;

  /* text-gray-600: sets the text color */
  color: #718096;

  /* max-w-2xl: sets the maximum width */
  max-width: 42rem; /* 672px */

  /* mx-auto: sets the horizontal margins to auto (centers the element) */
  margin-left: auto;
  margin-right: auto;
}

.section-dark .section-subtitle,
.section-blue .section-subtitle {
  color: rgba(255, 255, 255, 0.9);
}

.section-divider {
  width: 96px;
  height: 4px;
  background-color: var(--gold);
  margin: 1rem auto 2rem;
}

.section-dark .section-divider,
.section-blue .section-divider {
  background-color: var(--gold);
}

/* Services Grid */
.services-grid {
  display: grid;
  gap: 2rem; /* gap-8 */
}

.services-grid-04 {
  display: grid;
  gap: 1.5rem;
}

.services-grid-03 {
  display: grid;
  gap: 1.5rem;
}

.services-grid-02 {
  display: grid;
  gap: 2rem;
}

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

  .services-grid-02 {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .services-grid-03 {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .services-grid-04 {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

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

  .services-grid-04 {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
}

/* Cards */
.card {
  background-color: #f0f7ff; /* Light blue background */
  border: 1px solid #dbeafe; /* border-blue-100 */
  border-radius: 0.75rem; /* rounded-xl */
  padding: 1.5rem; /* p-6 */
  box-shadow: 0 1px 3px 0 rgba(0, 0, 0, 0.1); /* shadow-sm */
  transition: all 0.3s ease;
}

/* Hover border */
.card:hover {
  border-color: #0077b6; /* hover:border-[#0077B6] */
  box-shadow: 0 10px 15px -3px rgba(0, 0, 0, 0.1); /* hover:shadow-lg */
}

.card-spacing {
  position: relative;
  padding: 2rem;
}

/* .card-blurb-01 {
  position: absolute;

  right: 0px;

  top: 0px;

  margin-right: -4rem;

  margin-top: -4rem;

  height: 8rem;

  width: 8rem;

  border-radius: 9999px;

  background-color: rgb(0, 119, 182, 0.05);
}

.card-blurb-02 {
  position: absolute;

  right: 0px;

  top: 0px;

  margin-right: -4rem;

  margin-top: -4rem;

  height: 8rem;

  width: 8rem;

  border-radius: 9999px;

  background-color: rgb(212, 175, 55, 0.05);
}

.card-blurb-03 {
  position: absolute;

  right: 0px;

  top: 0px;

  margin-right: -4rem;

  margin-top: -4rem;

  height: 8rem;

  width: 8rem;

  border-radius: 9999px;

  background-color: rgb(0, 119, 182, 0.05);
} */

.card-icon {
  display: flex;
  margin-bottom: 1rem;
  justify-content: center;
  align-items: center;
  border-radius: 0.75rem;
  border-width: 2px;
  width: 3.5rem;
  height: 3.5rem;
  background-color: #0077b6;
  border: 2px solid #0077b6;
}

.card-icon-second {
  margin-bottom: 1.5rem;

  display: flex;

  height: 3.5rem;

  width: 3.5rem;

  align-items: center;

  justify-content: center;

  border-radius: 1rem;

  background-color: rgb(212, 175, 55);

  box-shadow:
    0 0 #0000,
    0 0 #0000,
    0 10px 15px -3px rgb(0, 0, 0, 0.1),
    0 4px 6px -4px rgb(0, 0, 0, 0.1);

  transition-property: transform;

  transition-timing-function: cubic-bezier(0.4, 0, 0.2, 1);

  transition-duration: 150ms;

  transform: translate(0, 0) rotate(0) skewX(0) skewY(0) scaleX(1.1) scaleY(1.1);
}

/* Group Hover Effect: group-hover:scale-110 */
/* When the parent (.group-container) is hovered, the child (.styled-element) scales up. */
.group-container:hover .styled-element {
  transform: scale(1.1); /* */
}

.card-icon-gold {
  background: rgba(212, 175, 55, 0.1);
  border-color: var(--gold);
  color: var(--gold);
}

.card-title {
  margin-bottom: 0.5rem;
  font-size: 1.27rem;
  line-height: 1.75rem;
  font-weight: 700;
  color: #1f2937;
}

.card-description {
  margin-bottom: 1rem;
  font-size: 1.6rem;
  line-height: 1.5rem;
  color: #4b5563;
}

.card-list-container {
  margin-bottom: calc(0.5rem * 0);

  margin-top: calc(0.5rem * calc(1 - 0));
}

.card-list {
  display: flex;

  align-items: center;

  font-size: 0.875rem;

  line-height: 1.25rem;

  color: rgb(75, 85, 99);
}

/* Team Grid */
.team-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
}

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

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

@media (min-width: 1280px) {
  .team-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.team-card {
  background: var(--white);
  border-radius: 12px;
  overflow: hidden;
  border: 1px solid var(--gray-border);
  text-align: center;
  transition: all 0.3s ease;
}

.team-card:hover {
  transform: translateY(-5px);
  border-color: var(--primary-blue);
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
}

.team-card.owner {
  border: 2px solid var(--gold);
}

.team-card-image {
  width: 100%;
  height: 200px;
  object-fit: cover;
  background-color: var(--light-bg);
}

.team-card-content {
  padding: 1.25rem;
  background-color: #ffffff;
}

.team-card-name {
  margin-bottom: 0.25rem;
  font-size: 1.125rem;
  line-height: 1.75rem;
  font-weight: 700;
  color: #1f2937;
  text-align: left;
}

.team-card-role {
  margin-bottom: 0.75rem;
  font-size: 0.875rem;
  line-height: 1.25rem;
  font-weight: 700;
  color: #0077b6;
  text-align: left;
}

.team-card-contact {
  font-size: 0.8125rem;
  color: var(--gray-600);
}

.team-card-provinces {
  display: flex;
  margin-bottom: 0.75rem;
  align-items: center;
  font-size: 0.875rem;
  line-height: 1.25rem;
  color: #d4af37;
}

/* .province-badge {
  background-color: var(--gold);
  color: var(--footer-bg);
  padding: 0.25rem 0.5rem;
  border-radius: 4px;
  font-size: 0.75rem;
  font-weight: 500;
} */

/* Features Grid */
.features-grid {
  margin-bottom: 3rem;

  display: grid;

  gap: 1.5rem;
}

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

@media (min-width: 1024px) {
  .features-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.feature-item {
  border-radius: 0.75rem;

  border-width: 1px;

  border-color: rgb(255, 255, 255, 0.1);

  background-color: rgb(255, 255, 255, 0.05);

  padding: 1.5rem;

  text-align: center;

  transition-property: all;

  transition-timing-function: cubic-bezier(0.4, 0, 0.2, 1);

  transition-duration: 150ms;
}

.feature-item:hover {
  border-color: rgb(212, 175, 55, 0.5);
}

.feature-icon {
  margin-left: auto;

  margin-right: auto;

  margin-bottom: 1rem;

  display: flex;

  height: 4rem;

  width: 4rem;

  align-items: center;

  justify-content: center;

  border-radius: 9999px;

  background-color: rgb(212, 175, 55);
}

.feature-icon-blue {
  background: rgba(0, 119, 182, 0.1);
  border-color: rgba(0, 119, 182, 0.3);
  color: var(--primary-blue);
}

.feature-title {
  margin-bottom: 0.25rem;

  font-size: 1.125rem;

  line-height: 1.75rem;

  font-weight: 600;

  color: rgb(255, 255, 255);
}

.feature-description {
  font-size: 0.875rem;

  line-height: 1.25rem;

  color: rgb(191, 219, 254);
}

/* CTA Section */
.cta-section {
  background-color: var(--primary-blue);
  color: var(--white);
  padding: 4rem 0;
  text-align: center;
}

.cta-section h2 {
  font-size: 2rem;
  margin-bottom: 1rem;
  color: var(--white);
}

.cta-section p {
  color: rgba(255, 255, 255, 0.9);
  max-width: 600px;
  margin: 0 auto 2rem;
}

.cta-section .btn-primary {
  background-color: var(--gold);
  color: var(--footer-bg);
}

.cta-section .btn-primary:hover {
  background-color: var(--gold-dark);
}

/* Footer */
.site-footer {
  background-color: var(--footer-bg);
  color: var(--white);
  padding: 3rem 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
  padding-bottom: 2rem;
}

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

@media (min-width: 1024px) {
  .footer-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.footer-brand h2 {
  font-size: 1.5rem;
  margin-bottom: 1rem;
  color: var(--white);
}

.footer-brand h2 span {
  color: var(--gold);
}

.footer-brand p {
  color: var(--gray-300);
  font-size: 0.875rem;
  margin-bottom: 1.5rem;
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  margin-bottom: 0.75rem;
  font-size: 0.875rem;
  color: var(--gray-300);
}

.footer-contact-item svg {
  color: var(--gold);
  flex-shrink: 0;
  margin-top: 2px;
}

.footer-title {
  font-size: 1.125rem;
  color: var(--gold);
  margin-bottom: 1rem;
  font-weight: 600;
}

.footer-links a {
  display: block;
  color: var(--gray-300);
  font-size: 0.875rem;
  padding: 0.375rem 0;
  transition: color 0.3s ease;
}

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

.footer-dlc-logo {
  height: 96px;
  width: auto;
  margin-bottom: 1rem;
  padding: 0.5rem;
  border-radius: 8px;
}

.footer-main-logo {
  height: 96px;
  width: auto;
  margin-bottom: 1rem;
  background: var(--white);
  padding: 0.5rem;
  border-radius: 8px;
}

.footer-dlc-link {
  color: var(--gold);
  font-size: 0.875rem;
  font-weight: 500;
}

.footer-dlc-link:hover {
  color: var(--white);
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding: 1.5rem 0;
  text-align: center;
  color: var(--gray-300);
  font-size: 0.875rem;
}

/* Contact Form Styles */
.contact-form {
  background: var(--white);
  border-radius: 12px;
  padding: 2rem;
  border: 1px solid var(--gray-border);
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
}

.contact-form input,
.contact-form textarea,
.contact-form select {
  width: 100%;
  padding: 0.875rem 1rem;
  border: 1px solid var(--gray-border);
  border-radius: 8px;
  font-size: 1rem;
  background-color: var(--white);
  color: var(--gray-800);
  margin-bottom: 1rem;
  transition: border-color 0.3s ease;
}

.contact-form input:focus,
.contact-form textarea:focus,
.contact-form select:focus {
  outline: none;
  border-color: var(--primary-blue);
  box-shadow: 0 0 0 3px rgba(0, 119, 182, 0.1);
}

.contact-form input::placeholder,
.contact-form textarea::placeholder {
  color: var(--gray-600);
}

.contact-form label {
  display: block;
  margin-bottom: 0.5rem;
  font-weight: 500;
  color: var(--gray-800);
}

/* Partner Cards */
.partner-card {
  background: var(--white);
  border-radius: 12px;
  padding: 2rem;
  border: 1px solid var(--gray-border);
  transition: all 0.3s ease;
}

.partner-card:hover {
  border-color: var(--primary-blue);
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
}

.partner-category {
  font-size: 0.875rem;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: 0.5rem;
}

.partner-name {
  font-size: 1.25rem;
  color: var(--gray-800);
  margin-bottom: 0.75rem;
}

.partner-description {
  color: var(--gray-600);
  font-size: 0.9375rem;
}

/* Resource Cards */
.resource-card {
  background: var(--light-bg);
  border-radius: 12px;
  padding: 1.5rem;
  border: 1px solid rgba(0, 119, 182, 0.1);
  transition: all 0.3s ease;
}

.resource-card:hover {
  border-color: var(--primary-blue);
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
}

.resource-icon {
  width: 48px;
  height: 48px;
  background: rgba(0, 119, 182, 0.1);
  border: 2px solid var(--primary-blue);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
  color: var(--primary-blue);
}

.resource-category {
  display: inline-block;
  background-color: var(--gold);
  color: var(--footer-bg);
  font-size: 0.75rem;
  font-weight: 600;
  padding: 0.25rem 0.5rem;
  border-radius: 4px;
  margin-bottom: 0.75rem;
}

.resource-title {
  font-size: 1.125rem;
  color: var(--gray-800);
  margin-bottom: 0.5rem;
}

.resource-description {
  color: var(--gray-600);
  font-size: 0.875rem;
}

/* Office Card */
.office-card {
  background: var(--white);
  border-radius: 12px;
  padding: 2rem;
  border: 1px solid var(--gray-border);
  transition: all 0.3s ease;
}

.office-card:hover {
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
}

.office-card.head-office {
  border: 2px solid var(--gold);
}

.head-office-badge {
  display: inline-block;
  background-color: var(--gold);
  color: var(--footer-bg);
  font-size: 0.75rem;
  font-weight: 600;
  padding: 0.25rem 0.5rem;
  border-radius: 4px;
  margin-top: 0.25rem;
}

.office-name {
  font-size: 1.25rem;
  color: var(--gray-800);
  margin-bottom: 0.5rem;
}

.office-info {
  color: var(--gray-600);
  font-size: 0.9375rem;
}

.office-info a {
  color: var(--primary-blue);
  font-weight: 500;
}

.office-info a:hover {
  text-decoration: underline;
}

/* Utility Classes */
.text-center {
  text-align: center;
}

.mb-4 {
  margin-bottom: 1rem;
}

.mb-8 {
  margin-bottom: 2rem;
}

.text-blue {
  color: var(--primary-blue);
}

.text-gold {
  color: var(--gold);
}

.bg-blue {
  background-color: var(--primary-blue);
}

.bg-gold {
  background-color: var(--gold);
}

/* Insurance Carrier Slideshow */
.carrier-slideshow {
  background-color: var(--light-bg);
  padding: 2rem 0;
  overflow: hidden;
}

.carrier-slideshow-title {
  text-align: center;
  color: var(--gray-600);
  font-size: 0.875rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 1.5rem;
}

.carrier-logos {
  display: flex;
  animation: scroll 25s linear infinite;
}

.carrier-logos:hover {
  animation-play-state: paused;
}

.carrier-logo-item {
  flex-shrink: 0;
  margin: 0 1rem;
  background: var(--white);
  border: 1px solid rgba(0, 119, 182, 0.1);
  border-radius: 8px;
  padding: 0.5rem;
  width: 144px;
  height: 64px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: box-shadow 0.3s ease;
}

.carrier-logo-item:hover {
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
}

@keyframes scroll {
  0% {
    transform: translateX(0);
  }
  100% {
    transform: translateX(-50%);
  }
}

/* Responsive Adjustments */
@media (max-width: 767px) {
  .hero-section {
    padding: 3rem 0;
  }

  .hero-section h1 {
    font-size: 2rem;
  }

  .section {
    padding: 3rem 0;
  }

  .section-title {
    font-size: 1.5rem;
    text-align: center;
  }

  .cta-section {
    padding: 3rem 0;
  }

  .cta-section h2 {
    font-size: 1.5rem;
  }
}

/* ================================
   Life Insurance Quote Estimator
   ================================ */

.quote-estimator {
  background: var(--white);
  border-radius: 12px;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
  border: 1px solid var(--gray-border);
  overflow: hidden;
  max-width: 900px;
  margin: 0 auto;
}

.quote-header {
  background: var(--primary-blue);
  padding: 1.5rem 2rem;
  display: flex;
  align-items: center;
  gap: 1rem;
}

.quote-header-icon {
  color: var(--white);
}

.quote-header h2 {
  color: var(--white);
  font-size: 1.5rem;
  margin: 0 0 0.25rem;
}

.quote-header p {
  color: rgba(255, 255, 255, 0.85);
  margin: 0;
  font-size: 0.9375rem;
}

/* Quote Type Tabs */
.quote-type-tabs {
  display: flex;
  background: #f3f4f6;
  padding: 0.25rem;
  border-radius: 8px;
  margin: 1.5rem 2rem 0;
}

.quote-type-tab {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.75rem 1rem;
  border: none;
  background: transparent;
  border-radius: 6px;
  font-weight: 600;
  font-size: 0.9375rem;
  color: #6b7280;
  cursor: pointer;
  transition: all 0.2s;
}

.quote-type-tab:hover {
  color: var(--gray-800);
}

.quote-type-tab.active {
  background: var(--primary-blue);
  color: var(--white);
  box-shadow: 0 2px 4px rgba(0, 0, 0, 0.1);
}

.quote-type-tab svg {
  width: 20px;
  height: 20px;
}

.quote-disclaimer {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  background: #fffbeb;
  border: 1px solid #fcd34d;
  border-radius: 8px;
  padding: 1rem 1.25rem;
  margin: 1.5rem 2rem;
}

.quote-disclaimer svg {
  color: #d97706;
  flex-shrink: 0;
  margin-top: 2px;
}

.quote-disclaimer p {
  color: #92400e;
  font-size: 0.875rem;
  margin: 0;
  line-height: 1.5;
}

.quote-form {
  padding: 0 2rem 2rem;
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.25rem;
  margin-bottom: 1.5rem;
}

.form-group {
  display: flex;
  flex-direction: column;
}

.form-group-full {
  grid-column: span 2;
}

.form-group label {
  font-weight: 600;
  color: var(--gray-800);
  margin-bottom: 0.5rem;
  font-size: 0.875rem;
}

.form-group input,
.form-group select {
  padding: 0.875rem 1rem;
  border: 1px solid var(--gray-border);
  border-radius: 8px;
  font-size: 1rem;
  color: var(--gray-800);
  transition:
    border-color 0.2s,
    box-shadow 0.2s;
}

.form-group input:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--primary-blue);
  box-shadow: 0 0 0 3px rgba(0, 119, 182, 0.1);
}

.form-group input::placeholder {
  color: #9ca3af;
}

.term-options {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.75rem;
}

.term-option {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1rem;
  border: 2px solid var(--gray-border);
  border-radius: 8px;
  cursor: pointer;
  transition: all 0.2s;
}

.term-option input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}

.term-option span {
  font-weight: 600;
  color: var(--gray-600);
}

.term-option:hover {
  border-color: var(--gray-300);
}

.term-option.selected,
.term-option:has(input:checked) {
  border-color: var(--primary-blue);
  background: var(--light-bg);
}

.term-option.selected span,
.term-option:has(input:checked) span {
  color: var(--primary-blue);
}

.quote-submit-btn {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 1rem 2rem;
  font-size: 1.125rem;
}

.quote-submit-btn svg {
  width: 20px;
  height: 20px;
}

/* Quote Results */
.quote-results {
  margin-top: 2rem;
  animation: fadeIn 0.3s ease;
}

@keyframes fadeIn {
  from {
    opacity: 0;
    transform: translateY(10px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.quote-results-card {
  background: linear-gradient(
    135deg,
    var(--primary-blue) 0%,
    var(--primary-blue-dark) 100%
  );
  border-radius: 12px;
  padding: 1.5rem;
  color: var(--white);
}

.quote-results-header {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: 1rem;
}

.quote-results-header svg {
  color: var(--gold);
}

.quote-results-header h3 {
  color: var(--white);
  font-size: 1.25rem;
  margin: 0;
}

.quote-premium-box {
  background: rgba(255, 255, 255, 0.1);
  border-radius: 12px;
  padding: 1.5rem;
  margin-bottom: 1rem;
}

.premium-label {
  color: rgba(255, 255, 255, 0.8);
  font-size: 0.875rem;
  margin: 0 0 0.5rem;
}

.premium-amount {
  display: flex;
  align-items: baseline;
  gap: 0.5rem;
  flex-wrap: wrap;
}

.premium-low,
.premium-high {
  font-size: 2rem;
  font-weight: 700;
  color: var(--gold);
}

.premium-separator {
  font-size: 1.5rem;
  color: rgba(255, 255, 255, 0.6);
}

.premium-period {
  color: rgba(255, 255, 255, 0.8);
  font-size: 1rem;
}

.quote-summary-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
}

.summary-item {
  padding: 0;
}

.summary-label {
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.8125rem;
  margin: 0 0 0.25rem;
}

.summary-value {
  color: var(--white);
  font-weight: 600;
  font-size: 0.9375rem;
  margin: 0;
}

/* Quote CTA */
.quote-cta {
  background: var(--light-bg);
  border-radius: 12px;
  padding: 1.5rem;
  margin-top: 1.5rem;
  border: 1px solid rgba(0, 119, 182, 0.1);
}

.quote-cta h4 {
  color: var(--gray-800);
  margin: 0 0 0.5rem;
  font-size: 1.125rem;
}

.quote-cta > p {
  color: var(--gray-600);
  font-size: 0.875rem;
  margin: 0 0 1rem;
}

.quote-cta-buttons {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.quote-cta-buttons .btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
}

@media (min-width: 640px) {
  .quote-cta-buttons {
    flex-direction: row;
  }

  .quote-cta-buttons .btn {
    flex: 1;
  }
}

/* Responsive Quote Estimator */
@media (max-width: 767px) {
  .quote-header {
    padding: 1.25rem 1.5rem;
  }

  .quote-header h2 {
    font-size: 1.25rem;
  }

  .quote-disclaimer {
    margin: 1rem 1.5rem;
  }

  .quote-form {
    padding: 0 1.5rem 1.5rem;
  }

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

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

  .term-options {
    grid-template-columns: repeat(3, 1fr);
  }

  .quote-results-card {
    padding: 1.25rem;
  }

  .premium-low,
  .premium-high {
    font-size: 1.5rem;
  }

  .quote-summary-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

/* ================================
   My Mortgage Toolbox Section
   ================================ */

.mortgage-toolbox-section {
  background: linear-gradient(
    135deg,
    var(--footer-bg) 0%,
    var(--primary-blue-dark) 100%
  );
  padding: 4rem 0;
}

.toolbox-grid {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 3rem;
  align-items: center;
}

.toolbox-qr {
  text-align: center;
}

.qr-wrapper {
  background: var(--white);
  padding: 1rem;
  border-radius: 16px;
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.3);
  display: inline-block;
}

.qr-wrapper img {
  width: 220px;
  height: 220px;
  object-fit: contain;
}

.qr-caption {
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.875rem;
  margin-top: 1rem;
}

.toolbox-content {
  color: var(--white);
}

.toolbox-header {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 1rem;
}

.toolbox-icon {
  width: 56px;
  height: 56px;
  background: var(--gold);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--footer-bg);
}

.toolbox-header h2 {
  font-size: 2rem;
  color: var(--white);
  margin: 0;
}

.toolbox-description {
  color: rgba(255, 255, 255, 0.85);
  font-size: 1.125rem;
  margin-bottom: 1.5rem;
  line-height: 1.6;
}

.toolbox-features {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.toolbox-feature {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
}

.toolbox-feature svg {
  color: var(--gold);
  flex-shrink: 0;
  margin-top: 2px;
}

.toolbox-feature strong {
  display: block;
  font-weight: 600;
  margin-bottom: 0.125rem;
}

.toolbox-feature span {
  display: block;
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.875rem;
}

@media (max-width: 767px) {
  .toolbox-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
    text-align: center;
  }

  .qr-wrapper img {
    width: 180px;
    height: 180px;
  }

  .toolbox-header {
    justify-content: center;
    flex-direction: column;
    text-align: center;
  }

  .toolbox-header h2 {
    font-size: 1.5rem;
  }

  .toolbox-features {
    grid-template-columns: 1fr;
    text-align: left;
  }

  .toolbox-content .btn {
    width: 100%;
    justify-content: center;
  }
}

/* Contact Form Messages */
.contact-message {
  padding: 1rem 1.5rem;
  border-radius: 8px;
  margin-bottom: 1.5rem;
  font-weight: 500;
}

.contact-message.success {
  background-color: #d1fae5;
  border: 1px solid #10b981;
  color: #065f46;
}

.contact-message.error {
  background-color: #fee2e2;
  border: 1px solid #ef4444;
  color: #991b1b;
}

.contact-message p {
  margin: 0;
}

.services-header {
  margin-bottom: 3.5rem;
  text-align: center;
}

.kicker {
  font-size: 0.875rem; /* 14px */
  line-height: 1.25rem; /* 20px, default line height for text-sm */
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #d4af37;
}

.h-line {
  height: 0.25rem;
  width: 6rem;
  background-color: #d4af37;
  margin-left: auto;
  margin-right: auto;
  margin-top: 1rem;
}

.hero-title {
  margin-bottom: 2rem;

  display: inline-flex;

  align-items: center;

  gap: 0.5rem;

  border-radius: 9999px;

  border-width: 1px;

  border: 1px solid rgb(212, 175, 55, 0.5);

  background-color: rgb(212, 175, 55, 0.2);

  padding-left: 1.25rem;

  padding-right: 1.25rem;

  padding-top: 0.625rem;

  padding-bottom: 0.625rem;

  backdrop-filter: blur(4px);
}

.hero-title-text {
  font-size: 0.875rem;

  line-height: 1.25rem;

  font-weight: 500;

  color: rgb(255, 255, 255);
}

.card-first {
  overflow: hidden;

  border-radius: 0.75rem;

  border-width: 2px;

  border-color: rgb(0, 119, 182);

  background-image: undefined;

  box-shadow:
    0 0 #0000,
    0 0 #0000,
    0 20px 25px -5px rgb(0, 0, 0, 0.1),
    0 8px 10px -6px rgb(0, 0, 0, 0.1);

  transition-property: all;

  transition-timing-function: cubic-bezier(0.4, 0, 0.2, 1);

  transition-duration: 150ms;
}

.card-second {
  overflow: hidden;

  border-radius: 0.75rem;

  border-width: 2px;

  background-image: undefined;

  background-color: #fefbf2;

  border-color: rgb(212, 175, 55);

  box-shadow:
    0 0 #0000,
    0 0 #0000,
    0 20px 25px -5px rgb(0, 0, 0, 0.1),
    0 8px 10px -6px rgb(0, 0, 0, 0.1);

  transition-property: all;

  transition-timing-function: cubic-bezier(0.4, 0, 0.2, 1);

  transition-duration: 150ms;
}

.card-second:hover {
  border-color: rgb(212, 175, 55);
}

.card-third {
  overflow: hidden;

  border-radius: 0.75rem;

  border-width: 2px;

  border-color: rgb(0, 119, 182);

  background-image: undefined;

  box-shadow:
    0 0 #0000,
    0 0 #0000,
    0 20px 25px -5px rgb(0, 0, 0, 0.1),
    0 8px 10px -6px rgb(0, 0, 0, 0.1);

  transition-property: all;

  transition-timing-function: cubic-bezier(0.4, 0, 0.2, 1);

  transition-duration: 150ms;
}

.card-svg {
  margin-right: 0.5rem;

  height: 1rem;

  width: 1rem;

  color: rgb(212, 175, 55);
}

.card-svg-02 {
  margin-right: 0.5rem;

  height: 1rem;

  width: 1rem;

  color: rgb(0, 119, 182);
}

.features-header {
  margin-bottom: 3rem;

  text-align: center;
}

.features-title {
  margin-bottom: 1rem;

  margin-top: 0.75rem;

  font-size: 1.875rem;

  line-height: 2.25rem;

  font-weight: 700;

  color: rgb(255, 255, 255);
}

@media (min-width: 768px) {
  .features-title {
    font-size: 2.25rem; /* 36px, for text-4xl */
  }
}

@media (min-width: 1024px) {
  .features-title {
    font-size: 3rem; /* 48px, for text-5xl */
  }
}

.features-subtitle {
  margin-left: auto;

  margin-right: auto;

  max-width: 42rem;

  font-size: 1.125rem;

  line-height: 1.75rem;

  color: rgb(191, 219, 254);
}

.feature-kicker {
  margin-bottom: 0.5rem;

  font-size: 1.875rem;

  line-height: 2.25rem;

  font-weight: 700;

  color: rgb(212, 175, 55);
}

.features-desc {
  border-radius: 1rem;

  border-width: 1px;

  border-color: rgb(255, 255, 255, 0.1);

  background-color: rgb(255, 255, 255, 0.05);

  padding: 2rem;
}

.features-title {
  margin-bottom: 1.5rem;

  text-align: center;

  font-size: 1.25rem;

  line-height: 1.75rem;

  font-weight: 700;

  color: rgb(255, 255, 255);
}

.desc-grid {
  display: grid;

  gap: 1.5rem;
}

@media (min-width: 768px) {
  .desc-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr)); /* md:grid-cols-3 */
  }
}

.desc-item {
  display: flex;

  align-items: flex-start;

  gap: 1rem;
}

.desc-icon {
  display: flex;

  height: 2.5rem;

  width: 2.5rem;

  flex-shrink: 0;

  align-items: center;

  justify-content: center;

  border-radius: 9999px;

  background-color: rgb(212, 175, 55);
}

.desc-title {
  margin-bottom: 0.25rem;

  font-weight: 600;

  color: rgb(255, 255, 255);
}

.desc-parag {
  font-size: 0.875rem;

  line-height: 1.25rem;

  color: rgb(191, 219, 254);
}

.target-container {
  margin-left: auto;

  margin-right: auto;

  max-width: 80rem;

  padding-left: 1rem;

  padding-right: 1rem;
}

@media (min-width: 640px) {
  .target-container {
    padding-left: 1.5rem;
    padding-right: 1.5rem;
  }
}

.target-header {
  margin-bottom: 3rem;

  text-align: center;
}

.target-kicker {
  font-size: 0.875rem;

  line-height: 1.25rem;

  font-weight: 600;

  text-transform: uppercase;

  letter-spacing: 0.1em;

  color: rgb(0, 119, 182);
}

.target-title {
  margin-bottom: 1rem;

  margin-top: 0.75rem;

  font-size: 1.875rem;

  line-height: 2.25rem;

  font-weight: 700;

  color: rgb(31, 41, 55);
}

@media (min-width: 768px) {
  .target-title {
    font-size: 2.25rem;
    line-height: 2.5rem;
  }
}

.target-subtitle {
  margin-left: auto;

  margin-right: auto;

  max-width: 42rem;

  font-size: 1.125rem;

  line-height: 1.75rem;

  color: rgb(75, 85, 99);
}

.target-grid {
  display: grid;

  gap: 1.5rem;
}

@media (min-width: 768px) {
  .target-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}
@media (min-width: 1024px) {
  .target-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

.target-item {
  display: flex;
  padding: 1.5rem;
  gap: 1rem;
  align-items: flex-start;
  border-radius: 0.75rem;
  transition-property: box-shadow;
  transition-timing-function: cubic-bezier(0.4, 0, 0.2, 1);
  transition-duration: 300ms;
  background: #f0f7ff;
}

.target-item:hover {
  box-shadow:
    0 10px 15px -3px rgba(0, 0, 0, 0.1),
    0 4px 6px -2px rgba(0, 0, 0, 0.05);
}

.target-icon {
  display: flex;
  justify-content: center;
  align-items: center;
  border-radius: 0.75rem;
  width: 3rem;
  height: 3rem;
  background: #0077b6;
  padding: 12px;
}

.target-icon-dark {
  display: flex;
  justify-content: center;
  align-items: center;
  border-radius: 0.75rem;
  width: 3rem;
  height: 3rem;
  background: #d4af37;
  padding: 12px;
}

.target-title {
  margin-bottom: 0.25rem;

  font-size: 1.125rem;

  line-height: 1.75rem;

  font-weight: 700;

  color: rgb(31, 41, 55);
}

.target-desc {
  font-size: 0.875rem;

  line-height: 1.25rem;

  color: rgb(75, 85, 99);
}

.testimonial {
  background-color: rgb(240, 247, 255);

  padding-top: 4rem;

  padding-bottom: 4rem;
}

.testimonial-container {
  padding-left: 1rem;
  padding-right: 1rem;
  margin-left: auto;
  margin-right: auto;
  max-width: 72rem;
}

@media (min-width: 640px) {
  .testimonial-container {
    padding-left: 1.5rem;
    padding-right: 1.5rem;
  }
}

.testimonial-item-container {
  position: relative;
  overflow: hidden; /* CRITICAL: This hides the circle part you highlighted */
  width: 100%;
  margin: 0 auto;
  padding: 20px 25px;
}

.prev-btn {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  z-index: 20;
  background: white;
  border-radius: 50%;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
  cursor: pointer;
  border: none;
  padding: 10px;
}

.prev-btn:hover {
  color: #0077b6;
}

.prev-btn {
  left: 10px;
}
.next-btn {
  right: 10px;
}

.next-btn {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  z-index: 20;
  background: white;
  border-radius: 50%;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);
  cursor: pointer;
  border: none;
  padding: 10px;
}

.next-btn:hover {
  color: #0077b6;
}

.testimonial-grid {
  display: flex;
  transition: transform 0.5s ease-in-out;
  gap: 30px; /* Space between cards */
}

@media (min-width: 768px) {
  .testimonial-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

/* Individual Card Styling */
.testimonial-grid-item {
  /* (100% / 3) minus the gap compensation */
  flex: 0 0 calc(33.333% - 20px);
  box-sizing: border-box;
  background-color: white;
  border-radius: 16px;
}

/* Responsive: Show only 1 item on mobile */
@media (max-width: 768px) {
  .testimonial-grid-item {
    flex: 0 0 100%;
  }
}

.testimonial-grid-item:hover {
  box-shadow:
    0 20px 25px -5px rgba(0, 0, 0, 0.1),
    0 10px 10px -5px rgba(0, 0, 0, 0.04);
}

.grid-item-container {
  padding: 1.5rem;
  min-height: 400px;
  background-color: white;
  border-radius: 16px;
}

.item-quote {
  margin-bottom: 1rem;
}

.item-rating {
  margin-bottom: 1rem;

  display: flex;
}

.item-review {
  margin-bottom: 1.5rem;

  font-style: italic;

  line-height: 1.625;

  color: rgb(55, 65, 81);
}

.item-person {
  border-top-width: 1px;

  padding-top: 1rem;
}

.item-person-name {
  font-weight: 600;

  color: rgb(31, 41, 55);
}

.item-person-address {
  font-size: 0.875rem;

  line-height: 1.25rem;

  color: rgb(107, 114, 128);
}

.item-title {
  margin-top: 0.25rem;

  font-size: 0.875rem;

  line-height: 1.25rem;

  font-weight: 500;

  color: rgb(37, 99, 235);
}

.testimonial-btn-container {
  display: flex;
  justify-content: center;
  gap: 10px;
  margin-top: 20px;
}

.testimonial-btn {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  border: none;
  background-color: #d1d5db; /* Gray-300 */
  cursor: pointer;
  transition: background-color 0.3s;
}

.testimonial-btn.active {
  background-color: #d4af37; /* Your gold color */
}

.testimonial-btn:hover {
  background-color: #9ca3af;
}

.process-section {
  padding: 4rem 0; /* py-16 */
  background-color: #003d5c;
  color: white;
}

.process-container {
  max-width: 1280px; /* max-w-7xl */
  margin: 0 auto;
  padding: 0 1rem;
}

@media (min-width: 640px) {
  .process-container {
    padding: 0 1.5rem;
  }
}

.process-header {
  text-align: center;
  margin-bottom: 3rem; /* mb-12 */
}

.process-subheading {
  font-size: 0.875rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #d4af37;
}

.process-main-heading {
  font-size: 1.875rem; /* text-3xl */
  font-weight: 700;
  margin-top: 0.75rem;
  margin-bottom: 1rem;
  color: white;
}

@media (min-width: 768px) {
  .process-main-heading {
    font-size: 2.25rem; /* text-4xl */
  }
}

.process-description {
  font-size: 1.125rem;
  color: #bfdbfe; /* text-blue-200 equivalent */
  max-width: 42rem;
  margin: 0 auto;
}

.divider {
  height: 4px;
  width: 6rem;
  background-color: #d4af37;
  margin: 1rem auto 0;
}

.process-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}

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

.process-item {
  text-align: center;
  position: relative;
}

.step-number {
  background-color: #d4af37;
  color: #003d5c;
  border-radius: 50%;
  width: 3.5rem; /* w-14 */
  height: 3.5rem; /* h-14 */
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1rem;
  font-size: 1.5rem;
  font-weight: 700;
}

.step-title {
  font-size: 1.125rem;
  font-weight: 700;
  margin-bottom: 0.5rem;
  color: white;
}

.step-text {
  font-size: 0.875rem;
  color: #bfdbfe;
  line-height: 1.5;
}

.connector-line {
  display: none;
  position: absolute;
  top: 1.75rem; /* center of the circle */
  left: 60%;
  width: 80%;
  height: 2px;
  background-color: rgba(212, 175, 55, 0.3); /* #D4AF37 with 30% opacity */
  z-index: 0;
}

@media (min-width: 768px) {
  .connector-line {
    display: block;
  }
}

.resources-section {
  padding: 4rem 0; /* py-16 */
  background-color: #f0f7ff;
}

.resource-container {
  max-width: 1280px; /* max-w-7xl */
  margin: 0 auto;
  padding: 0 1rem;
}

@media (min-width: 640px) {
  .resource-container {
    padding: 0 1.5rem;
  }
}

.resource-header {
  text-align: center;
  margin-bottom: 3rem; /* mb-12 */
}

.resource-subtitle {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #0077b6;
  margin-bottom: 0.5rem;
}

.resource-title {
  font-size: 1.875rem; /* text-3xl */
  font-weight: 700;
  color: #1f2937; /* gray-800 approx */
  margin-bottom: 1rem;
}

@media (min-width: 768px) {
  .resource-title {
    font-size: 2.25rem; /* text-4xl */
  }
}

.header-line {
  height: 4px;
  width: 6rem;
  background-color: #d4af37;
  margin: 1rem auto 0;
}

.resources-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}

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

.resource-card {
  background-color: white;
  border: 1px solid #e5e7eb;
  border-radius: 0.75rem; /* rounded-xl */
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.1);
  transition:
    box-shadow 0.3s ease,
    transform 0.3s ease;
}

.resource-card:hover {
  box-shadow:
    0 10px 15px -3px rgba(0, 0, 0, 0.1),
    0 4px 6px -2px rgba(0, 0, 0, 0.05); /* shadow-lg */
}

.card-content {
  padding: 1.5rem; /* p-6 */
}

.icon-wrapper {
  width: 3rem; /* w-12 */
  height: 3rem; /* h-12 */
  border-radius: 0.625rem; /* rounded-lg */
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
}

.bg-blue-light {
  background-color: rgba(0, 119, 182, 0.1);
}
.bg-gold-light {
  background-color: rgba(212, 175, 55, 0.1);
}

.icon {
  width: 1.5rem;
  height: 1.5rem;
}

.card-title {
  font-size: 1.125rem;
  font-weight: 700;
  color: #1f2937;
  margin-bottom: 0.5rem;
}

.card-description {
  font-size: 0.875rem;
  color: #4b5563; /* text-gray-600 */
  margin-bottom: 1rem;
}

.card-button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  height: 2rem; /* h-8 */
  padding: 0 0.75rem;
  font-size: 0.75rem; /* text-xs */
  font-weight: 500;
  text-decoration: none;
  color: #1f2937;
  border: 1px solid #d1d5db;
  border-radius: 0.375rem; /* rounded-md */
  background-color: transparent;
  transition: background-color 0.2s;
}

.card-button:hover {
  background-color: #f9fafb; /* hover:bg-accent */
}

.cta-section {
  padding: 4rem 0; /* py-16 */
  background-color: #0077b6;
  color: white;
  text-align: center;
}

.cta-container {
  max-width: 56rem; /* max-w-4xl (approx 896px) */
  margin: 0 auto;
  padding: 0 1rem;
}

/* Typography */
.cta-title {
  font-size: 1.875rem; /* text-3xl */
  font-weight: 700;
  margin-bottom: 1rem;
}

@media (min-width: 768px) {
  .cta-title {
    font-size: 2.25rem; /* text-4xl */
  }
}

.cta-description {
  font-size: 1.125rem; /* text-lg */
  color: rgba(255, 255, 255, 0.9); /* text-white/90 */
  max-width: 42rem; /* max-w-2xl */
  margin: 0 auto 2rem; /* mb-8 */
  line-height: 1.6;
}

/* Buttons */
.cta-buttons {
  display: flex;
  flex-direction: column; /* flex-col */
  gap: 1rem;
  justify-content: center;
}

@media (min-width: 640px) {
  .cta-buttons {
    flex-direction: row; /* sm:flex-row */
  }
}

.btn-primary {
  background-color: #d4af37;
  color: #003d5c;
  box-shadow: 0 10px 15px -3px rgba(0, 0, 0, 0.1);
}

.btn-primary:hover {
  background-color: #b8962e;
}

.btn-secondary {
  background-color: transparent;
  color: white;
  border: 1px solid white;
  box-shadow: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
}

.btn-secondary:hover {
  background-color: rgba(255, 255, 255, 0.1); /* hover:bg-white/10 */
}

/* Footer / Contact Section */
.cta-footer {
  margin-top: 2.5rem; /* mt-10 */
  padding-top: 2rem; /* pt-8 */
  border-top: 1px solid rgba(255, 255, 255, 0.2); /* border-white/20 */
}

.contact-links {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
  justify-content: center;
  align-items: center;
}

@media (min-width: 768px) {
  .contact-links {
    flex-direction: row; /* md:flex-row */
  }
}

.contact-item {
  display: flex;
  align-items: center;
  color: white;
  text-decoration: none;
  font-weight: 500;
  transition: color 0.2s;
}

.contact-item:not(.no-hover):hover {
  color: #d4af37; /* hover:text-[#D4AF37] */
}

.contact-icon {
  margin-right: 0.5rem; /* mr-2 */
}

.desktop-separator {
  display: none;
  color: rgba(255, 255, 255, 0.3); /* text-white/30 */
}

@media (min-width: 768px) {
  .desktop-separator {
    display: block; /* md:block */
  }
}

/* --- Base Reset --- */
.main-footer {
  background-color: #003d5c;
  color: white;
  font-family: sans-serif;
}

.container {
  padding-left: 1rem;
  padding-right: 1rem;
  max-width: 80rem;
  margin: 0 auto;
}

@media (min-width: 640px) {
  .container {
    padding-left: 1.5rem;
    padding-right: 1.5rem;
  }
}

/* --- Section 1: Newsletter --- */
.footer-newsletter {
  background-color: #0077b6;
  padding: 2.5rem 0; /* py-10 */
}

.newsletter-flex {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 1.5rem;
}

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

.newsletter-text {
  text-align: left;
}

.newsletter-text h3 {
  font-size: 1.25rem;
  font-weight: 700;
  margin-bottom: 0.25rem;
  color: white;
}

.newsletter-text p {
  font-size: 0.875rem;
  color: #bfdbfe; /* text-blue-100 */
}

.newsletter-form {
  display: flex;
  width: 100%;
  max-width: 28rem;
  gap: 0.5rem;
}

@media (min-width: 768px) {
  .newsletter-form {
    width: auto;
  }
}

.input-wrapper {
  position: relative;
  flex: 1;
}

.input-icon {
  position: absolute;
  left: 0.75rem;
  top: 50%;
  transform: translateY(-50%);
  color: #9ca3af; /* text-gray-400 */
}

.newsletter-form input {
  width: 100%;
  padding: 0.75rem 1rem 0.75rem 2.5rem;
  border-radius: 0.5rem;
  border: none;
  color: #1f2937;
  font-size: 0.875rem;
}

.newsletter-form input:focus {
  outline: none;
  box-shadow: 0 0 0 2px #d4af37;
}

.btn-subscribe {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  background-color: #d4af37;
  color: #003d5c;
  padding: 0.75rem 1.5rem;
  border: none;
  border-radius: 0.5rem;
  font-weight: 600;
  cursor: pointer;
  transition: background-color 0.2s;
}

.btn-subscribe:hover {
  background-color: #b8962e;
}

.btn-text {
  display: none;
}
@media (min-width: 640px) {
  .btn-text {
    display: inline;
  }
}

/* --- Section 2: Main Footer Content --- */
.footer-main-content {
  padding-top: 3rem;
  padding-bottom: 3rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
}

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

.footer-logo {
  height: 10rem; /* h-40 */
  width: auto;
  margin-bottom: 1rem;
}

.company-desc {
  color: #d1d5db; /* text-gray-300 */
  font-size: 0.875rem;
  margin-bottom: 1rem;
}

.contact-info {
  font-style: normal;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  font-size: 0.875rem;
}

.contact-line {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  color: #d1d5db;
}

.icon-gold {
  color: #d4af37;
  flex-shrink: 0;
}

.col-title {
  font-size: 1.125rem;
  font-weight: 600;
  color: #d4af37;
  margin-bottom: 1rem;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  font-size: 0.875rem;
}

.footer-links a {
  color: #d1d5db;
  text-decoration: none;
  transition: color 0.2s;
}

.footer-links a:hover {
  color: #d4af37;
}

.partner-logo {
  height: 10rem;
  width: auto;
  margin-bottom: 0.75rem;
}

.dlc-link {
  display: inline-block;
  color: #d4af37;
  text-decoration: none;
  font-size: 0.875rem;
  font-weight: 500;
  margin-top: 0.5rem;
}

.dlc-link:hover {
  color: white;
}

/* --- Section 3: Bottom Legal --- */
.footer-bottom {
  border-top: 1px solid #4b5563; /* border-gray-600 */
  margin-top: 2.5rem;
  padding-top: 1.5rem;
  text-align: center;
}

.legal-links {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 1rem;
  margin-bottom: 1.5rem;
  font-size: 0.875rem;
}

.legal-links a {
  color: #9ca3af; /* text-gray-400 */
  text-decoration: none;
}

.legal-links a:hover {
  color: #d4af37;
}

.sep {
  color: #4b5563;
  display: none;
}

@media (min-width: 768px) {
  .sep {
    display: inline;
  }
}

.legal-note,
.copyright {
  font-size: 0.875rem;
  color: #9ca3af;
  margin-bottom: 1rem;
}

.pa-card {
  background-color: #f0f7ff; /* Light blue background */
  border: 1px solid #dbeafe; /* border-blue-100 */
  border-radius: 0.75rem; /* rounded-xl */
  padding: 1.5rem; /* p-6 */
  box-shadow: 0 1px 3px 0 rgba(0, 0, 0, 0.1); /* shadow-sm */
  transition: all 0.3s ease;
  max-width: 350px; /* Adjust based on layout */
}

/* Hover state for the card */
.pa-card:hover {
  border-color: #0077b6; /* hover:border-[#0077B6] */
  box-shadow: 0 10px 15px -3px rgba(0, 0, 0, 0.1); /* hover:shadow-lg */
}

.pa-card-icon {
  width: 3.5rem; /* w-14 */
  height: 3.5rem; /* h-14 */
  background-color: rgba(0, 119, 182, 0.1); /* bg-[#0077B6]/10 */
  border: 2px solid #0077b6; /* border-[#0077B6] */
  border-radius: 0.75rem; /* rounded-xl */
  display: flex; /* flex */
  align-items: center; /* items-center */
  justify-content: center; /* justify-center */
  margin-bottom: 1rem; /* mb-4 */
  color: #0077b6; /* text-[#0077B6] */
}

.pa-card-icon-light {
  width: 3.5rem; /* w-14 */
  height: 3.5rem; /* h-14 */
  background-color: #eef0eb; /* bg-[#0077B6]/10 */
  border: 2px solid #d4b039; /* border-[#0077B6] */
  border-radius: 0.75rem; /* rounded-xl */
  display: flex; /* flex */
  align-items: center; /* items-center */
  justify-content: center; /* justify-center */
  margin-bottom: 1rem; /* mb-4 */
  color: #d4b039; /* text-[#0077B6] */
}

.pa-card-title {
  font-size: 1.125rem; /* text-lg */
  font-weight: 700; /* font-bold */
  color: #1f2937; /* text-gray-800 */
  margin-bottom: 0.5rem; /* mb-2 */
}

.travel-card {
  background-color: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.2);
}

.travel-card:hover {
  border-color: #d4af37;
}

.travel-card-icon {
  background: #d4af37;
}

.page-header {
  position: relative;
  height: 400px;
  display: flex;
  align-items: center;
  justify-content: center;
  background-color: #0077b6;
  overflow: hidden;
  color: white;
  text-align: center;
  font-family: sans-serif;
}

.page-header h1 {
  margin-bottom: 1rem;

  font-size: 2.25rem;

  line-height: 2.5rem;

  font-weight: 700;

  color: rgb(255, 255, 255);
}

.page-header p {
  margin-bottom: 1.5rem;
  font-size: 1.125rem;
  line-height: 1.75rem;
  color: #dbeafe;
}

@media (min-width: 768px) {
  .page-header h1 {
    font-size: 3rem;
    line-height: 1;
  }
}

.page-header-gradient {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(to bottom, #0077b6, #005a8c);
  z-index: 1;
}

.a-links {
  display: flex;
  align-items: center;
  justify-items: center;
  font-size: 0.75rem;
  line-height: 1rem;
  color: #dbeafe;
}

.a-links:hover {
  color: #d4af37;
}

.a-links-text {
  margin-left: 4px;
}

.mortgage-card-light {
  background-color: #f0f7ff; /* Light blue background */
  border: 1px solid #dbeafe; /* border-blue-100 */
  border-radius: 0.75rem; /* rounded-xl */
  padding: 1.5rem; /* p-6 */
  box-shadow: 0 1px 3px 0 rgba(0, 0, 0, 0.1); /* shadow-sm */
  transition: all 0.3s ease;
  max-width: 350px; /* Adjust based on layout */
}

.mortgage-card-dark {
  background-color: #1a516d; /* Light blue background */
  border: 1px solid #1a516daf; /* border-blue-100 */
  border-radius: 0.75rem; /* rounded-xl */
  padding: 1.5rem; /* p-6 */
  transition: all 0.3s ease;
  max-width: 350px; /* Adjust based on layout */
}

.mortgage-card-dark-wide {
  background-color: #1a516d; /* Light blue background */
  border: 1px solid #1a516daf; /* border-blue-100 */
  border-radius: 0.75rem; /* rounded-xl */
  padding: 1.5rem; /* p-6 */
  transition: all 0.3s ease;
}

.mortgage-card-dark-wide:hover {
  border-color: #d4af37;
  box-shadow: 0 10px 15px -3px rgba(0, 0, 0, 0.1); /* hover:shadow-lg */
}

.mortgage-card-light:hover {
  border-color: #0077b6; /* hover:border-[#0077B6] */
  box-shadow: 0 10px 15px -3px rgba(0, 0, 0, 0.1); /* hover:shadow-lg */
}

.mortgage-card-dark:hover {
  border-color: #d4af37;
  box-shadow: 0 10px 15px -3px rgba(0, 0, 0, 0.1); /* hover:shadow-lg */
}

.mortgage-card-icon {
  display: flex;
  margin-bottom: 1rem;
  justify-content: center;
  align-items: center;
  border-radius: 0.75rem;
  border-width: 2px;
  width: 3.5rem;
  height: 3.5rem;
  background: #d8eaf8;
  border: 2px solid #0077b6;
}

.mortgage-card-dark-icon {
  display: flex;
  margin-bottom: 1rem;
  justify-content: center;
  align-items: center;
  border-radius: 0.75rem;
  border-width: 2px;
  width: 3.5rem;
  height: 3.5rem;
  background: #d4af37;
}

.mortgage-link {
  display: flex;
  align-items: center;
  font-size: 0.75rem;
  line-height: 1rem;
  color: #0077b6;
}

.mortgage-link:hover {
  text-decoration: underline;
}

.sub-links {
  margin-top: 0.375rem;
}

.sub-links p {
  font-size: 0.75rem;
  line-height: 1rem;
  font-weight: 600;
  text-transform: uppercase;
  color: #d4af37;
}

.sub-links a {
  color: white;
}

.sub-links a:hover {
  color: #d4af37;
}

.card-wide {
  background-color: #ffffff; /* Light blue background */
  border: 1px solid #dbeafe; /* border-blue-100 */
  border-radius: 0.75rem; /* rounded-xl */
  padding: 1.5rem; /* p-6 */
  box-shadow: 0 1px 3px 0 rgba(0, 0, 0, 0.1); /* shadow-sm */
  transition: all 0.3s ease;
}

.card-wide:hover {
  box-shadow:
    0 10px 15px -3px rgba(0, 0, 0, 0.1),
    0 4px 6px -2px rgba(0, 0, 0, 0.05);
  border-color: #0077b6;
}

.card-wide-icon-dark {
  display: flex;
  margin-bottom: 1rem;
  justify-content: center;
  align-items: center;
  border-radius: 0.75rem;
  border-width: 2px;
  width: 4rem;
  height: 4rem;
  background: #e5f1f8;
  border: 2px solid #0077b6;
}

.card-wide-icon-light {
  display: flex;
  margin-bottom: 1rem;
  justify-content: center;
  align-items: center;
  border-radius: 0.75rem;
  border-width: 2px;
  width: 4rem;
  height: 4rem;
  background: #fbf7eb;
  border: 2px solid #d4af37;
}

.owner-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 1.5rem;
  justify-content: center;
}

.team-card-owner {
  border-radius: 0.75rem;
  border-width: 2px;
  background-color: #ffffff;
  transition-property: all;
  transition-timing-function: cubic-bezier(0.4, 0, 0.2, 1);
  transition-duration: 300ms;
  box-shadow:
    0 1px 3px 0 rgba(0, 0, 0, 0.1),
    0 1px 2px 0 rgba(0, 0, 0, 0.06);
  border-color: #d4af37;
  max-width: 280px;
}

.team-card-owner:hover {
  box-shadow:
    0 20px 25px -5px rgba(0, 0, 0, 0.1),
    0 10px 10px -5px rgba(0, 0, 0, 0.04);
}

.team-grid-flex {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  justify-content: center;
  align-items: center;
}

.owner-contact {
  display: flex;

  flex-direction: column;

  gap: 8px;

  margin-top: calc(0.5rem * calc(1 - 0));

  margin-bottom: calc(0.5rem * 0);

  font-size: 0.875rem;

  line-height: 1.25rem;
}

.contact-flex {
  display: flex;
  align-items: center;
  gap: 6px;
  color: #374151;
  transition-property:
    color, background-color, border-color, text-decoration-color, fill, stroke;
  transition-timing-function: cubic-bezier(0.4, 0, 0.2, 1);
  transition-duration: 300ms;
}

.contact-flex:hover {
  color: #0077b6;
}

.truncate {
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
  min-width: 0; /* 🔥 important */
  max-width: 200px; /* optional but recommended */
  display: block;
}

.card-sub-t {
  margin-bottom: 0.25rem;
  font-size: 0.875rem;
  line-height: 1.25rem;
  font-weight: 700;
  color: #d4af37;
}

.card-btn {
  display: inline-flex;
  padding-left: 0.75rem;
  padding-right: 0.75rem;
  gap: 0.5rem;
  justify-content: center;
  align-items: center;
  border-radius: 0.375rem;
  border-width: 2px;
  height: 2rem;
  font-size: 0.75rem;
  line-height: 1rem;
  font-weight: 700;
  white-space: nowrap;
  transition-property:
    color, background-color, border-color, text-decoration-color, fill, stroke;
  transition-timing-function: cubic-bezier(0.4, 0, 0.2, 1);
  transition-duration: 300ms;
  box-shadow: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
  border: 2px solid #0077b6;
  color: #0077b6;
}

.card-btn:hover {
  color: #ffffff;
  background: #0077b6;
}

.partnership-container {
  padding: 2rem;
  margin: 0 auto;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.partner-card-icon {
  display: flex;
  margin-bottom: 1rem;
  justify-content: center;
  align-items: center;
  border-radius: 0.75rem;
  border-width: 2px;
  width: 4rem;
  height: 4rem;
  background-color: #d8eaf8;
  border: 2px solid #0077b6;
  color: #0077b6;
}

.partnership-text {
  margin-bottom: 1rem;
  font-size: 1.125rem;
  line-height: 1.75rem;
  color: #4b5563;
}

.partnership-btn {
  display: inline-flex;
  padding-left: 2rem;
  padding-right: 2rem;
  gap: 0.5rem;
  justify-content: center;
  align-items: center;
  border-radius: 0.375rem;
  height: 2.5rem;
  font-size: 0.875rem;
  line-height: 1.25rem;
  font-weight: 700;
  color: #ffffff;
  white-space: nowrap;
  transition-property:
    color, background-color, border-color, text-decoration-color, fill, stroke;
  transition-timing-function: cubic-bezier(0.4, 0, 0.2, 1);
  transition-duration: 300ms;
  box-shadow:
    0 1px 3px 0 rgba(0, 0, 0, 0.1),
    0 1px 2px 0 rgba(0, 0, 0, 0.06);
  background: #0077b6;
}

.partnership-btn:hover {
  background: #005a8c;
}

.partnership-section {
  max-width: 56rem;

  border-radius: 0.75rem;
  border-width: 2px;
  box-shadow:
    0 1px 3px 0 rgba(0, 0, 0, 0.1),
    0 1px 2px 0 rgba(0, 0, 0, 0.06);
  border: 2px solid #d4af37;
  margin: 3rem auto;
  background-color: #ffffff;
}

.partnership-section-title {
  margin-bottom: 0.75rem;

  font-size: 1.5rem;

  line-height: 2rem;

  font-weight: 700;

  color: rgb(31, 41, 55);
}

/* --- Button Styling --- */
.tablist [role="tab"] {
  padding: 8px 24px;
  border-radius: 6px;
  font-weight: 500;
  transition: all 0.2s ease;
  border: 1px solid #e2e8f0;
  background-color: transparent;
  color: #4a5568;
  cursor: pointer;
}

/* Dark background when ACTIVE */
.tablist [role="tab"][aria-selected="true"],
.tablist [role="tab"][data-state="active"] {
  background-color: #0077b6 !important;
  color: #ffffff !important;
  border-color: #0077b6;
}

/* Hover effect for inactive buttons */
.tablist [role="tab"]:hover:not([aria-selected="true"]) {
  background-color: #f7fafc;
}

/* --- Refined Grid Fix --- */
/* We target the data-state="active" that your JS now applies to the panels */
[role="tabpanel"][data-state="active"] {
  display: grid !important;
  grid-template-columns: repeat(3, 1fr) !important;
  gap: 2rem;
  width: 100%;
  margin-top: 2rem;
}

/* Mobile Responsive: 1 column on small screens */
@media (max-width: 768px) {
  [role="tabpanel"][data-state="active"] {
    grid-template-columns: 1fr !important;
  }
}

.resource-link {
  display: inline-flex;
  padding-left: 0.75rem;
  padding-right: 0.75rem;
  gap: 0.5rem;
  justify-content: center;
  align-items: center;
  border-radius: 0.375rem;
  border-width: 2px;
  width: 100%;
  height: 2rem;
  font-size: 0.75rem;
  line-height: 1rem;
  font-weight: 700;
  white-space: nowrap;
  transition-property:
    color, background-color, border-color, text-decoration-color, fill, stroke;
  transition-timing-function: cubic-bezier(0.4, 0, 0.2, 1);
  transition-duration: 300ms;
  box-shadow: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
  border: 2px solid #0077b6;
  color: #0077b6;
}

.resource-link:hover {
  color: #ffffff;
  background: #0077b6;
}

.icon-span {
  padding-top: 0.25rem;
  padding-bottom: 0.25rem;
  padding-left: 0.5rem;
  padding-right: 0.5rem;
  border-radius: 0.25rem;
  font-size: 0.75rem;
  line-height: 1rem;
  font-weight: 700;
  color: #ffffff;
  background: #d4af37;
}

.card-span-flex {
  display: flex;
  margin-bottom: 0.75rem;
  justify-content: space-between;
  align-items: flex-start;
}

.btn-container {
  display: flex;
  margin-bottom: 2rem;
  justify-content: center;
}

.tablist {
  display: inline-flex;
  justify-content: center;
  align-items: center;
  border-radius: 0.5rem;
  border-width: 1px;
  border-color: #dbeafe;
  background: #f0f7ff;
}

.resource-box {
  border-radius: 0.75rem;
  border-width: 1px;
  border-color: #e5e7eb;
  text-align: center;
  background-color: #ffffff;
  transition-property: all;
  transition-timing-function: cubic-bezier(0.4, 0, 0.2, 1);
  transition-duration: 300ms;
  box-shadow:
    0 1px 3px 0 rgba(0, 0, 0, 0.1),
    0 1px 2px 0 rgba(0, 0, 0, 0.06);
}

.resource-box:hover {
  box-shadow:
    0 10px 15px -3px rgba(0, 0, 0, 0.1),
    0 4px 6px -2px rgba(0, 0, 0, 0.05);
}

.resource-box-icon {
  display: flex;
  margin-bottom: 0.75rem;
  justify-content: center;
  align-items: center;
  border-radius: 0.75rem;
  border-width: 2px;
  width: 3.5rem;
  height: 3.5rem;
  background: #e5f1f8;
  border: 2px solid #0077b6;
  margin: 0 auto 1rem auto;
}

.resource-heading {
  margin-bottom: 0.5rem;
  font-size: 1.125rem;
  line-height: 1.75rem;
  font-weight: 700;
  color: #1f2937;
}

.resource-text {
  color: #4b5563;
}

.privacy-icon-flex {
  display: flex;
  align-items: baseline;
  gap: 12px;
}

.title-complaint {
  display: flex;
  flex-direction: column;
}