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

html {
  scroll-behavior: smooth;
}

body {
  /* font-size: 1.125rem;
  line-height: 1.7;
  margin: 0;
  font-family: 'Montserrat', sans-serif;
  color: #1f2933;
  background-color: #f7fafc; */
  
  font-family: 'Montserrat', sans-serif;
  font-size: 1.125rem;
  line-height: 1.7;
  color: #222;
  margin: 0;
  background: #ffffff;
}



/* ===================== TYPOGRAPHY ===================== */

h1 {
  font-size: 48px;
  line-height: 1.15;
  margin-bottom: 20px;
  font-weight: 700;
}

h2 {
  font-size: 34px;
  margin-bottom: 18px;
  font-weight: 600;
}

h3 {
  font-size: 22px;
  margin-bottom: 12px;
  font-weight: 600;
}

p {
  margin-bottom: 18px;
}

a {
  text-decoration: none;
  color: inherit;
}

ul {
  margin-bottom: 20px;
}

/* Layout helpers */

.container {
  width: 100%;
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

.container.narrow {
  max-width: 900px;
}

/* HERO */

.hero {
  /* position: relative; */
  padding: 6rem 0 5rem 0;
  /* background: url('/public/images/hero-image.jpg') center/cover no-repeat; */
  /* color: #ffffff; */
}

/* .hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background: rgba(255, 255, 255, 0.70);
  z-index: 1;
} */

.hero-grid, .hero-content {
  position: relative;
  z-index: 2;
}

/* .hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(0, 0.8fr);
  align-items: center;
  gap: 2.5rem;
  position: relative;
  z-index: 2;
} */

.hero-inner {
  display: grid;
  grid-template-columns: minmax(0,1.2fr) minmax(0,1fr);
  gap: 3rem;
  align-items: center;
}

.eyebrow {
  letter-spacing: .12em;
  text-transform: uppercase;
  font-size: .95rem;
  color: var(--color-gray);
  margin-bottom: .4rem;
}

/* .hero h1 {
  font-family: var(--font-heading);
  font-size: clamp(2.4rem, 4vw, 3.2rem);
  line-height: 1.1;
  margin-bottom: 1.1rem;
} */

.hero-subtitle {
  color: var(--color-gray);
  max-width: 520px;
  margin-bottom: 1.5rem;
}

.hero-cta {
  display: flex;
  flex-wrap: wrap;
  gap: .75rem;
}

.hero-actions {
  margin-top: 1.8rem;
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

.legacy-logo {
  height: 45px;
  width: auto;
  object-fit: contain;
  margin-right: 15px;
}

.hero-content h1,
.hero-content p,
.hero-content .eyebrow {
  color: #1f2937; /* dark gray */
}

.hero-logo-wrapper {
  display: flex;
  align-items: center;
  justify-content: center;
}

.hero-legacy-logo {
  width: 260px;       /* Adjust size here */
  max-width: 100%;
  object-fit: contain;
  opacity: 0.9;        /* Polished look */
  filter: drop-shadow(0 8px 18px rgba(0,0,0,0.15));
}

@media (max-width: 720px) {
  .hero-grid {
    grid-template-columns: 1fr;
    text-align: center;
  }

  .hero-logo-wrapper {
    margin-top: 1.5rem;
  }

  .hero-legacy-logo {
    width: 180px;
    opacity: 1;
  }
}

/* =====================================
   NEW HERO WITH BACKGROUND IMAGE
   ===================================== */

.hero-bg {
  position: relative;
  padding: 7rem 0 7rem 0;
  background-image: url("/public/images/ai-hero-image.png");
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: rgba(0, 0, 0, 0.40); /* subtle dark overlay for luxury contrast */
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: 650px;
}

.hero-bg h1 {
  color: white;
}

.hero-bg .eyebrow {
  color: #ffffffcc;
}

.hero-bg .hero-subtitle {
  color: #efefef;
}

.hero-bg .btn {
  background: white;
  color: black;
  border: none;
}

.hero-bg .btn-ghost {
  background: transparent;
  border: 1px solid white;
  color: white;
}

.hero-bg .btn-ghost:hover {
  background: white;
  color: black;
}

/* Buttons */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.75rem 1.4rem;
  border-radius: 999px;
  font-size: 0.9rem;
  font-weight: 600;
  text-decoration: none;
  border: 1px solid transparent;
  cursor: pointer;
  transition: background 0.18s ease, color 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
}

.btn-primary {
  background: #AE8400;
  color: #ffffff;
  box-shadow: 0 15px 30px rgba(174, 132, 0, 0.30);
}

.btn-primary:hover {
  background: #8C6900;
  box-shadow: 0 10px 20px rgba(174, 132, 0, 0.35);
}

.btn-gold {
  background: linear-gradient(135deg, #AE8400 0%, #D4AF37 100%);
  color: #ffffff;
  border: none;
  box-shadow: 0 18px 35px rgba(174, 132, 0, 0.35);
}

.btn-gold:hover {
  background: linear-gradient(135deg, #8C6900 0%, #C5A028 100%);
  box-shadow: 0 12px 25px rgba(174, 132, 0, 0.45);
  transform: translateY(-2px);
}

.btn-outline {
  background: #ffffff;
  color: #AE8400;
  border-color: #AE8400;
}

/* .btn-outline:hover {
  background: #ecfdf3;
} */

.btn-outline:hover {
  background: rgba(174, 132, 0, 0.10);
  border-color: #AE8400;
  color: #AE8400;
}

/* HERO SIDE CARD */

.lender-card {
  background: #ffffff;
  border-radius: 1.25rem;
  box-shadow: 0 24px 60px rgba(174, 132, 0, 0.1);
  padding: 1.5rem;
}

.lender-logo-row {
  display: flex;
  justify-content: flex-end;
  margin-bottom: 1rem;
}

.gadson-logo {
  height: 32px;
  width: auto;
  object-fit: contain;
}

/* .lender-main {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr);
  gap: 1rem;
  align-items: flex-start;
} */

/* .lender-photo {
  width: 90px;
  height: 90px;
  border-radius: 999px;
  object-fit: cover;
} */

/* .lender-info h2 {
  margin: 0 0 0.5rem;
  font-size: 1.1rem;
} */

/* .lender-info p {
  margin: 0 0 0.5rem;
  font-size: 0.88rem;
  color: #4b5563;
} */

/* .lender-info .nmls {
  font-size: 0.75rem;
  color: #6b7280;
} */

/* SECTIONS */

.section {
  padding: 4rem 0;
}

.section-header {
  text-align: center;
  margin-bottom: 2rem;
}

/* .section-header h2 {
  margin: 0 0 0.5rem;
  font-size: 1.6rem;
} */

/* .section-header p {
  margin: 0;
  color: #6b7280;
  font-size: 0.95rem;
} */

/* ABOUT */

/* .about p {
  font-size: 0.98rem;
  color: #4b5563;
  line-height: 1.6;
} */

/* SERVICES */

.services {
  background: #ffffff;
}

.card-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1.5rem;
}

.service-card {
  background: #f9fafb;
  border-radius: 1rem;
  overflow: hidden;
  box-shadow: 0 10px 25px rgba(174, 132, 0, 0.06);
  display: flex;
  flex-direction: column;
}

.service-card h3 {
  min-height: 2.6em; /* forces consistent height */
}

.card-image img {
  width: 100%;
  height: 150px;
  object-fit: cover;
  display: block;
}

.bg-blur {
  filter: blur(2px) saturate(95%);
}

/* .service-card h3 {
  margin: 1rem 1.1rem 0.3rem;
  font-size: 1rem;
} */

/* .service-card p {
  margin: 0 1.1rem 1.2rem;
  font-size: 0.9rem;
  color: #4b5563;
} */

/* VALUE */

.value {
  /* background: #f3f4f6; */
  padding: 6rem 0;
  background: linear-gradient(180deg, #0f172a 0%, #111827 100%);
  color: #ffffff;
}

.value .section-header h2 {
  color: #ffffff;
  font-size: clamp(2.2rem, 3vw, 2.8rem);
  font-weight: 600;
  letter-spacing: -0.02em;
}

.value .section-header p {
  color: rgba(255,255,255,0.75);
  font-size: 1.05rem;
  margin-top: .6rem;
}

.value-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1.5rem;
}

.value-item {
  /* background: #ffffff;
  border-radius: 1rem;
  padding: 1.2rem;
  box-shadow: 0 10px 25px rgba(174, 132, 0, 0.04); */
  background: #ffffff;
  color: #0f172a;
  border-radius: 22px;
  padding: 2rem;
  box-shadow: 0 35px 80px rgba(0,0,0,0.25);
  transition: transform 0.3s ease, box-shadow 0.3s ease;

}

.value-item:hover {
  transform: translateY(-8px);
  box-shadow: 0 45px 100px rgba(0,0,0,0.35);
}

.value-item h3::before {
  content: "";
  display: block;
  width: 45px;
  height: 3px;
  background: #AE8400;
  margin-bottom: 14px;
  border-radius: 2px;
}

/* .value-item h3 {
  margin: 0 0 0.4rem;
  font-size: 0.98rem;
} */

/* .value-item p {
  margin: 0;
  font-size: 0.88rem;
  color: #4b5563;
} */

/* PROCESS */

.process {
  /* background: #ffffff; */
  background: #f5f6f8;
}

.process-steps {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 1rem;
}

.process-steps li {
  /* background: #f9fafb; */
  border-radius: 1rem;
  padding: 1rem;
  /* box-shadow: 0 10px 25px rgba(174, 132, 0, 0.04); */
  background: #ffffff;
  box-shadow: 0 18px 40px rgba(0,0,0,0.06);
}

.process-steps h3 {
  margin: 0 0 0.4rem;
  /* font-size: 0.95rem; */
  font-size: 0.9rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.process-steps h3::before {
  content: attr(data-step);
  display: block;
  font-size: 2rem;
  font-weight: 700;
  color: #AE8400;
  margin-bottom: 0.5rem;
}

.process-steps p {
  margin: 0;
  /* font-size: 0.85rem; */
  color: #4b5563;
}

.process-cta {
  text-align: center;
  margin-top: 3rem;
}


/* COMPARISION TABLE */
.comparison-table-wrapper {
  margin-top: 2rem;
  overflow-x: auto;
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  background: #ffffff;
  color: black;
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 20px 40px rgba(0,0,0,0.05);
}

.comparison-table th,
.comparison-table td {
  padding: 1rem 1.2rem;
  text-align: left;
  font-size: 0.95rem;
}

.comparison-table thead {
  background: #AE8400;
  color: white;
}

.comparison-table tbody tr {
  border-bottom: 1px solid #e5e7eb;
}

.comparison-table tbody tr:last-child {
  border-bottom: none;
}

.comparison-table tbody tr:hover {
  background: #fafafa;
}

/* REVIEWS */

.reviews {
  background: #f3f4f6;
}

.zreview {
  background:#f3f4f6;
  padding:50px 40px;
  font-family:inherit;
}

.zouter {
  max-width:1200px;
  margin:0 auto;
}

.zstars {
  display:flex;
  justify-content:space-between;
  align-items:flex-start;
}





.zlr-wrap { background:#f3f4f6; padding:48px 40px; }
.zlr-inner { max-width:1200px; margin:0 auto; }

.zlr-top { display:flex; justify-content:space-between; align-items:flex-start; }
.zlr-stars { color:#111; letter-spacing:3px; font-size:16px; }
.zlr-date { font-size:16px; color:#111; }

.zlr-title { font-size:44px; font-weight:800; margin:22px 0 10px; color:#111; }
.zlr-author { font-size:18px; color:#111; margin-bottom:22px; }
.zlr-body { font-size:18px; line-height:1.65; color:#111; margin-bottom:34px; }

.zlr-grid{
  display:grid !important;
  grid-template-columns:repeat(3, minmax(0, 1fr)) !important;
  column-gap:80px !important;
  row-gap:28px !important;
  margin: 10px 0 26px;
}

.zlr-field{
  background:transparent !important;
  padding:0 !important;
  border:0 !important;
  box-shadow:none !important;
}

.zlr-k{
  display:block;
  font-size:16px;
  color:#777;
  font-weight:600;
  margin-bottom:10px;
}

.zlr-v{
  display:block;
  font-size:18px;
  color:#111;
  font-weight:500;
}

.zlr-empty{ visibility:hidden; }

.zlr-tags{ margin-top:6px; }
.zlr-tag{
  display:inline-block;
  background:#e5e7eb;
  padding:10px 14px;
  border-radius:8px;
  font-size:13px;
  font-weight:700;
  margin-right:10px;
}

@media (max-width: 900px){
  .zlr-title{ font-size:34px; }
  .zlr-grid{ grid-template-columns:1fr !important; column-gap:0 !important; }
  .zlr-empty{ display:none; }
}



/* CONTACT */

.contact {
  background: #ffffff;
}

.contact-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(0, 1fr);
  gap: 2rem;
  align-items: flex-start;
}

/* .contact-info h2 {
  margin: 0 0 0.5rem;
  font-size: 1.6rem;
} */

.contact-info p {
  margin: 0 0 1rem;
  color: #4b5563;
}

.contact-details {
  list-style: none;
  padding: 0;
  margin: 0;
  color: #4b5563;
}

.contact-details li {
  margin-bottom: 0.7rem;
}

.contact-details a {
  color: #AE8400;
  text-decoration: none;
}

.contact-details a:hover {
  text-decoration: underline;
}

.contact-form-card {
  background: #f9fafb;
  border-radius: 1.2rem;
  padding: 1.5rem;
  box-shadow: 0 10px 25px rgba(174, 132, 0, 0.04);
}

.contact-form-card h3 {
  margin: 0 0 1rem;
}

.contact-form {
  display: grid;
  gap: 1rem;
}

.form-field {
  display: flex;
  flex-direction: column;
  gap: 0.3rem;
}

.form-field label {
  font-size: 0.85rem;
  font-weight: 600;
  color: #374151;
}

.form-field input,
.form-field textarea {
  border-radius: 0.75rem;
  border: 1px solid #d1d5db;
  padding: 0.6rem 0.75rem;
  font-family: inherit;
  font-size: 0.9rem;
  outline: none;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
  background: #ffffff;
}

.form-field input:focus,
.form-field textarea:focus {
  border-color: #AE8400;
  box-shadow: 0 0 0 1px #AE840030;
}

.hidden {
  display: none;
}

.meet-loran {
  background: #ffffff;
  padding: 4rem 0;
}

.meet-grid {
  display: grid;
  grid-template-columns: 350px 1fr;
  gap: 2rem;
  align-items: center;
}

.meet-photo {
  width: 100%;
  max-width: 330px;
  border-radius: 20px;
  object-fit: cover;
  box-shadow: 0 20px 40px rgba(0,0,0,0.15);
}

/* .meet-content h2 {
  margin-bottom: 1rem;
  font-size: 1.8rem;
} */

/* .meet-content p {
  margin-bottom: 0.75rem;
  font-size: 1rem;
  color: #4b5563;
} */

.meet-content .nmls {
  font-size: 0.85rem;
  color: #6b7280;
  margin-top: 1rem;
}

@media (max-width: 820px) {
  .meet-grid {
    grid-template-columns: 1fr;
    text-align: center;
  }

  .meet-photo {
    margin: 0 auto;
  }
}

/* SOCIALS */

.social-icon {
  width: 36px;   /* normal size */
  height: 36px;
  object-fit: contain;
  transition: opacity 0.25s ease;
}

.social-icon:hover {
  opacity: 0.6;
}

.meet-social-icons {
  margin-top: 20px;
  display: flex;
  gap: 20px; /* spacing between icons */
}

.meet-social-icons a {
  text-decoration: none;
  display: inline-flex;
  align-items: center;
}

.meet-social-icons svg {
  width: 24px;
  height: 24px;
  transition: 0.25s ease;
}

.meet-social-icons a:hover svg {
  opacity: 0.6;
}


.meet-social-icons a {
  text-decoration: none !important;
}

@media (max-width: 720px) {
  .social-icons {
    display: none; /* optional: hide on mobile to save space */
  }
}

/* DISCLAIMER */

.legal-disclaimer {
  background: #f3f4f6;
  padding: 1.5rem 0;
  border-top: 1px solid #e5e7eb;
  border-bottom: 1px solid #e5e7eb;
}

.legal-disclaimer p {
  margin: 0;
  font-size: 0.85rem;
  line-height: 1.45;
  color: #4b5563;
}

.legal-disclaimer strong {
  color: #111827;
}

.general-disclaimer {
  background: #f9fafb;
  padding: 1.75rem 0;
  border-top: 1px solid #e5e7eb;
  border-bottom: 1px solid #e5e7eb;
}

.general-disclaimer p {
  margin: 0 0 1rem;
  font-size: 0.85rem;
  line-height: 1.55;
  color: #4b5563;
}

.disclaimer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 1.25rem;
  font-size: 0.85rem;
}

.disclaimer-links a {
  text-decoration: none;
  color: #AE8400;
  font-weight: 600;
}

.disclaimer-links a:hover {
  text-decoration: underline;
}

/* FOOTER */

.site-footer {
  background: #04050b;
  color: #e5e7eb;
  padding: 2rem 0 2rem;
  position: relative;
}

.footer-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  margin-bottom: 1.5rem;
}

.footer-brand .brand-mark {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: black;
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  /* font-size: .9rem; */
  background: #AE8400;
}

.footer-brand .brand-sub {
  color: #9ca3af;
}

.footer-compliance {
  text-align: right;
}

.ehl-logo {
  height: 28px;
  display: inline-block;
  margin-bottom: 0.3rem;
}

.small-text {
  font-size: 0.75rem;
  color: #9ca3af;
}

.footer-bottom {
  border-top: 1px solid #111827;
  padding-top: 1.5rem;
}

.footer-bottom p {
  margin: 0 0 0.75rem;
  /* font-size: 0.8rem; */
}

.footer-bottom a {
  color: #a5b4fc;
  text-decoration: none;
}

.footer-bottom a:hover {
  text-decoration: underline;
}

.footer-logos {
  display: flex;
  gap: 15px;
  align-items: center;
  justify-content: flex-end;
  margin-bottom: 0.4rem;
}

.ehl-logo,
.eho-logo {
  height: 64px;
  width: auto;
  object-fit: contain;
  filter: brightness(0) invert(1); /* makes them white for dark footer */
  opacity: 0.9;
}

.ehl-logo:hover,
.eho-logo:hover {
  opacity: 1;
}

/* =============================
   AI CHAT WIDGET
   ============================= */
#ai-chat-button {
  position: fixed;
  bottom: 28px;
  right: 28px;
  background: black;
  color: white;
  width: 54px;
  height: 54px;
  border-radius: 50%;
  display: flex;
  justify-content: center;
  align-items: center;
  font-size: 26px;
  cursor: pointer;
  box-shadow: 0 6px 20px rgba(0,0,0,0.25);
  z-index: 9999;
  transition: 0.2s ease;
}

#ai-chat-button:hover {
  transform: scale(1.1);
}

#ai-chat-widget {
  position: fixed;
  bottom: 94px;
  right: 28px;
  width: 330px;
  height: 430px;
  background: white;
  border: 1px solid #ddd;
  border-radius: 12px;
  display: none;
  flex-direction: column;
  box-shadow: 0 10px 30px rgba(0,0,0,0.25);
  z-index: 99999;
}

.chat-header {
  background: black;
  color: white;
  padding: 12px;
  font-weight: 600;
  display: flex;
  justify-content: space-between;
  align-items: center;
  border-radius: 12px 12px 0 0;
}

.chat-header button {
  background: none;
  border: none;
  font-size: 20px;
  color: white;
  cursor: pointer;
}

.chat-messages {
  padding: 14px;
  height: 310px;
  overflow-y: auto;
  font-size: 0.9rem;
}

.chat-input-box {
  display: flex;
  border-top: 1px solid #ddd;
}

#chat-input {
  flex: 1;
  padding: 10px;
  border: none;
  font-size: 0.9rem;
}

#chat-send {
  background: black;
  color: white;
  border: none;
  padding: 0 18px;
  cursor: pointer;
}

.message {
  margin-bottom: 12px;
  line-height: 1.4;
}

.message.user {
  text-align: right;
  font-weight: 600;
}

.message.ai {
  text-align: left;
  opacity: 0.85;
}

/* RESPONSIVE */

@media (max-width: 960px) {
  .hero-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .lender-main {
    grid-template-columns: 1fr;
  }

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

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

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

  .contact-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .footer-top {
    flex-direction: column;
    align-items: flex-start;
  }

  .footer-compliance {
    text-align: left;
  }
}

@media (max-width: 720px) {
  .main-nav {
    position: absolute;
    inset: 70px 0 auto 0;
    background: #ffffff;
    border-bottom: 1px solid #e5e7eb;
    transform: translateY(-120%);
    opacity: 0;
    visibility: hidden;
    transition: transform 0.2s ease, opacity 0.2s ease, visibility 0.2s ease;
  }

  .main-nav.open {
    transform: translateY(0);
    opacity: 1;
    visibility: visible;
  }

  .main-nav ul {
    flex-direction: column;
    padding: 0.75rem 1.5rem 1rem;
  }

  .hamburger {
    display: block;
  }

  .hero {
    padding-top: 3rem;
  }

  .card-grid,
  .value-grid,
  .process-steps {
    grid-template-columns: minmax(0, 1fr);
  }
}


@media (max-width: 900px) {

  .header-inner-wide {
    display: flex;
    justify-content: space-between;
    align-items: center;
  }

  .header-left {
    display: none; /* hide legacy logo on mobile */
  }

  .main-nav {
    display: none; /* hide full nav */
  }

  .nav-toggle {
    display: block;
  }

}