:root{--navy:#0a1628;--navy-mid:#112240;--navy-light:#1a3a5c;--gold:#c9a84c;--gold-light:#e4c97a;--gold-pale:#f5e8c4;--cream:#faf8f3;--white:#ffffff;--text-dark:#0a1628;--text-mid:#3d4f6b;--text-light:#8a9bb5}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Montserrat',sans-serif;background:var(--cream);color:var(--text-dark);line-height:1.6;overflow-x:hidden;padding-bottom:60px}

.float-actions{position:fixed;bottom:80px;right:24px;z-index:9999;display:flex;flex-direction:column;gap:10px}
.float-btn{display:flex;align-items:center;gap:10px;padding:13px 20px;border-radius:50px;text-decoration:none;font-family:'Montserrat',sans-serif;font-weight:700;font-size:13px;letter-spacing:.5px;box-shadow:0 6px 24px rgba(0,0,0,.25);transition:transform .2s,box-shadow .2s;white-space:nowrap}
.float-btn:hover{transform:translateY(-2px);box-shadow:0 10px 32px rgba(0,0,0,.3)}
.float-btn.call{background:#1a3a8f;color:#fff}
.float-btn.whatsapp{background:#25d366;color:#fff}

.topbar{background:var(--navy);padding:8px 40px;display:flex;justify-content:space-between;align-items:center;border-bottom:1px solid rgba(201,168,76,.3)}
.topbar-left{color:var(--gold-light);font-size:12px;letter-spacing:1px}
.topbar-right{display:flex;gap:20px}
.topbar-right a{color:var(--gold-light);text-decoration:none;font-size:12px;letter-spacing:.5px;transition:color .2s}
.topbar-right a:hover{color:#fff}

/* ========== HEADER ========== */
header {
    background: var(--navy);
    border-bottom: 1px solid rgba(201,168,76,.3);
}

.header-inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 16px 40px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 20px;
}

.logo-area {
    display: flex;
    align-items: center;
    gap: 12px;
    flex-shrink: 0;
}

.logo-area a {
    display: inline-block;
    transition: transform 0.2s;
}

.logo-area a:hover {
    transform: scale(1.02);
}

.logo-text-main {
    font-family: 'Playfair Display', serif;
    font-size: 24px;
    font-weight: 700;
    background: linear-gradient(135deg, #F7E05E 0%, #D4AF37 30%, #B87C1E 70%, #F7E05E 100%);
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
}

.logo-text-sub {
    font-size: 11px;
    letter-spacing: 2px;
    color: var(--gold-light);
}

.header-cta {
    display: flex;
    align-items: center;
    gap: 15px;
    flex-shrink: 0;
}

.header-phone {
    background: rgba(201,168,76,0.15);
    border: 1px solid var(--gold);
    padding: 10px 20px;
    border-radius: 50px;
    color: var(--gold);
    text-decoration: none;
    font-weight: 700;
    font-size: 16px;
    transition: all 0.2s;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    white-space: nowrap;
}

.header-phone:hover {
    background: rgba(201,168,76,0.3);
    transform: translateY(-2px);
}

.btn-header-quote {
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    color: var(--navy);
    padding: 10px 24px;
    border-radius: 50px;
    text-decoration: none;
    font-weight: 800;
    font-size: 12px;
    letter-spacing: 1px;
    text-transform: uppercase;
    transition: all 0.2s;
    white-space: nowrap;
}

.btn-header-quote:hover {
    transform: translateY(-2px);
    box-shadow: 0 4px 15px rgba(201,168,76,0.4);
}

#languageSwitch {
    color: var(--gold);
    text-decoration: none;
    font-weight: 600;
    font-size: 14px;
    transition: color 0.2s;
    white-space: nowrap;
}

#languageSwitch:hover {
    color: var(--gold-light);
}

@media (max-width: 900px) {
    .header-inner {
        flex-direction: column;
        text-align: center;
        padding: 16px 20px;
    }
    .header-cta {
        justify-content: center;
        flex-wrap: wrap;
    }
}


/* Make main-nav full width with centered content */
nav.main-nav {
    background: var(--navy-mid);
    border-top: 1px solid rgba(201,168,76,.2);
    width: 100%;
    margin: 0;
    padding: 0;
}

/* Keep content centered with same max-width as header */
.main-nav ul {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    list-style: none;
    flex-wrap: wrap;
    padding: 0 0px;  /* same padding as header */
}

.main-nav ul li a{display:block;padding:12px 14px;color:rgba(255,255,255,.8);text-decoration:none;font-size:12px;font-weight:600;letter-spacing:1px;text-transform:uppercase;transition:all .2s;border-bottom:2px solid transparent}
.main-nav ul li a:hover{color:var(--gold-light);border-bottom-color:var(--gold)}
.main-nav ul li a.esp{color:var(--gold)}

/* Make marquee bar full width */
/* Change .marquee-bar to fixed positioning at bottom */
.marquee-bar {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 997;
    overflow: hidden;
    white-space: nowrap;
    background: var(--gold);
    padding: 8px 0;
    width: 100%;
}

.marquee-track {
    display: inline-block;
    white-space: nowrap;
}
.marquee-track span {
    display: inline-block;
    margin-right: 40px;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--navy);
}
/* Keep the container centered */
.marquee-container {
    max-width: 1200px;
    margin: 0 auto;
    overflow: hidden;
    white-space: nowrap;
    padding: 0 40px;
}


.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-mid) 50%,var(--navy-light) 100%);min-height:82vh;display:flex;align-items:center;position:relative;overflow:hidden;padding:80px 40px}
.hero::before{content:'';position:absolute;inset:0;background-image:radial-gradient(ellipse at 70% 50%,rgba(201,168,76,.08) 0%,transparent 60%),radial-gradient(ellipse at 10% 80%,rgba(201,168,76,.05) 0%,transparent 50%)}
.hero-grid{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1.1fr .9fr;gap:60px;align-items:center;position:relative;z-index:1;width:100%}
.hero-eyebrow{display:inline-flex;align-items:center;gap:10px;background:rgba(201,168,76,.12);border:1px solid rgba(201,168,76,.3);padding:6px 16px;border-radius:50px;margin-bottom:28px}
.hero-eyebrow span{font-size:11px;letter-spacing:2.5px;text-transform:uppercase;color:var(--gold-light);font-weight:600}
.hero-eyebrow .dot{width:6px;height:6px;background:var(--gold);border-radius:50%;animation:pulse 2s infinite}
@keyframes pulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.5;transform:scale(.8)}}
.hero h1{font-family:'Cormorant Garamond',serif;font-size:clamp(42px,5vw,68px);font-weight:700;color:var(--white);line-height:1.1;margin-bottom:10px}
.hero h1 em{font-style:italic;color:var(--gold-light)}
.hero-sub{font-family:'Cormorant Garamond',serif;font-size:clamp(22px,2.5vw,30px);color:rgba(255,255,255,.7);font-weight:400;margin-bottom:24px;font-style:italic}
.hero-desc{font-size:14px;color:rgba(255,255,255,.6);line-height:1.8;margin-bottom:36px;max-width:500px}
.hero-btns{display:flex;gap:14px;flex-wrap:wrap}
.btn-primary{background:linear-gradient(135deg,var(--gold),var(--gold-light));color:var(--navy);padding:16px 32px;border-radius:4px;text-decoration:none;font-weight:800;font-size:13px;letter-spacing:1.5px;text-transform:uppercase;transition:all .25s;display:inline-flex;align-items:center;gap:10px;box-shadow:0 8px 30px rgba(201,168,76,.3)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 14px 40px rgba(201,168,76,.4)}
.btn-outline{border:1px solid rgba(201,168,76,.5);color:var(--gold-light);padding:16px 32px;border-radius:4px;text-decoration:none;font-weight:700;font-size:13px;letter-spacing:1.5px;text-transform:uppercase;transition:all .25s;display:inline-flex;align-items:center;gap:10px}
.btn-outline:hover{background:rgba(201,168,76,.1);border-color:var(--gold-light)}

.hero-card{background:rgba(255,255,255,.05);backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);border:1px solid rgba(201,168,76,.2);border-radius:16px;padding:36px;box-shadow:0 30px 80px rgba(0,0,0,.3)}
.hero-card-title{font-family:'Cormorant Garamond',serif;font-size:26px;font-weight:700;color:var(--white);margin-bottom:6px;text-align:center}
.hero-card-sub{font-size:11px;letter-spacing:2px;text-transform:uppercase;color:var(--gold);text-align:center;margin-bottom:28px}
.hero-card form{display:flex;flex-direction:column;gap:12px}
.hero-card input,.hero-card select{width:100%;padding:13px 16px;border-radius:6px;border:1px solid rgba(255,255,255,.15);background:rgba(255,255,255,.08);color:#fff;font-family:'Montserrat',sans-serif;font-size:13px;outline:none;transition:border-color .2s;-webkit-appearance:none}
.hero-card input::placeholder{color:rgba(255,255,255,.4)}
.hero-card input:focus,.hero-card select:focus{border-color:var(--gold);background:rgba(255,255,255,.12)}
.hero-card select option{background:var(--navy-mid);color:#fff}
.hero-card .submit-btn{background:linear-gradient(135deg,var(--gold),var(--gold-light));color:var(--navy);border:none;padding:15px;border-radius:6px;font-family:'Montserrat',sans-serif;font-weight:800;font-size:13px;letter-spacing:1.5px;text-transform:uppercase;cursor:pointer;transition:all .2s;margin-top:4px}
.hero-card .submit-btn:hover{transform:translateY(-2px);box-shadow:0 10px 30px rgba(201,168,76,.4)}
.hero-card .privacy-note{text-align:center;font-size:10px;color:rgba(255,255,255,.3);letter-spacing:.5px;margin-top:6px}

.trust-bar{background:var(--white);border-bottom:1px solid rgba(0,0,0,.06);padding:20px 40px}
.trust-bar-inner{max-width:1200px;margin:0 auto;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:20px}
.trust-item{display:flex;align-items:center;gap:12px}
.trust-icon{width:40px;height:40px;background:var(--gold-pale);border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--gold);font-size:16px;flex-shrink:0}
.trust-text-main{font-weight:700;font-size:14px;color:var(--navy)}
.trust-text-sub{font-size:11px;color:var(--text-light);letter-spacing:.5px}

.section-wrap{max-width:1200px;margin:0 auto;padding:0 40px}
.section-eyebrow{font-size:11px;letter-spacing:3px;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:12px}
.section-title{font-family:'Cormorant Garamond',serif;font-size:clamp(32px,4vw,48px);font-weight:700;line-height:1.15;color:var(--navy);margin-bottom:16px}
.section-title em{font-style:italic;color:var(--gold)}
.section-desc{font-size:15px;color:var(--text-mid);line-height:1.8;max-width:600px}

.quotes-section{padding:90px 0;background:var(--white)}
.quotes-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:16px;margin-top:50px}
.quote-card{border-radius:12px;padding:32px 28px;text-decoration:none;display:flex;align-items:center;justify-content:space-between;gap:20px;transition:all .25s;position:relative;overflow:hidden}
.quote-card::before{content:'';position:absolute;top:-30px;right:-30px;width:100px;height:100px;border-radius:50%;background:rgba(255,255,255,.08)}
.quote-card:hover{transform:translateY(-3px);box-shadow:0 20px 50px rgba(0,0,0,.2)}
.quote-card.blue{background:linear-gradient(135deg,#1a3a8f,#2850b0)}
.quote-card.red{background:linear-gradient(135deg,#9b1b30,#c0392b)}
.quote-card.green{background:linear-gradient(135deg,#0f5132,#1a7a4a)}
.quote-card.purple{background:linear-gradient(135deg,#4a1272,#7b2fbe)}
.quote-card.teal{background:linear-gradient(135deg,#0d6b6b,#148f8f)}
.quote-card.gold-bg{background:linear-gradient(135deg,#7a5200,#c9a84c)}
.quote-card-left{flex:1}
.quote-card-icon{font-size:30px;margin-bottom:12px}
.quote-card-name{font-size:18px;font-weight:800;color:#fff;margin-bottom:4px}
.quote-card-desc{font-size:12px;color:rgba(255,255,255,.7);line-height:1.5}
.quote-card-arrow{width:44px;height:44px;background:rgba(255,255,255,.15);border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;font-size:16px;transition:background .2s;flex-shrink:0}
.quote-card:hover .quote-card-arrow{background:rgba(255,255,255,.25)}

.cta-strip{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-light) 100%);padding:70px 40px;position:relative;overflow:hidden}
.cta-strip::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 50% 0%,rgba(201,168,76,.12) 0%,transparent 70%)}
.cta-strip-inner{max-width:1200px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;gap:40px;flex-wrap:wrap;position:relative;z-index:1}
.cta-strip h2{font-family:'Cormorant Garamond',serif;font-size:clamp(28px,3.5vw,42px);color:var(--white);font-weight:700;line-height:1.2}
.cta-strip h2 em{color:var(--gold-light);font-style:italic}
.cta-strip-btns{display:flex;gap:14px;flex-wrap:wrap;flex-shrink:0}
.btn-cta-call{background:#fff;color:var(--navy);padding:16px 28px;border-radius:4px;text-decoration:none;font-weight:800;font-size:13px;letter-spacing:1px;text-transform:uppercase;display:flex;align-items:center;gap:10px;transition:all .2s}
.btn-cta-call:hover{background:var(--gold-pale);transform:translateY(-2px)}
.btn-cta-wa{background:#25d366;color:#fff;padding:16px 28px;border-radius:4px;text-decoration:none;font-weight:800;font-size:13px;letter-spacing:1px;text-transform:uppercase;display:flex;align-items:center;gap:10px;transition:all .2s}
.btn-cta-wa:hover{background:#20ba5a;transform:translateY(-2px)}

.insurance-section{padding:90px 0;background:var(--cream)}
.insurance-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(185px,1fr));gap:16px;margin-top:50px}
.ins-card{background:var(--white);border:1px solid rgba(0,0,0,.07);border-radius:12px;padding:28px 20px;text-align:center;text-decoration:none;transition:all .25s;display:flex;flex-direction:column;align-items:center;gap:12px;position:relative;overflow:hidden}
.ins-card::after{content:'';position:absolute;bottom:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--gold),var(--gold-light));transform:scaleX(0);transition:transform .25s}
.ins-card:hover{transform:translateY(-4px);box-shadow:0 20px 50px rgba(0,0,0,.1);border-color:rgba(201,168,76,.3)}
.ins-card:hover::after{transform:scaleX(1)}
.ins-card-icon{width:56px;height:56px;background:linear-gradient(135deg,var(--navy),var(--navy-light));border-radius:14px;display:flex;align-items:center;justify-content:center;font-size:22px;color:var(--gold-light)}
.ins-card-name{font-weight:700;font-size:13px;color:var(--navy);letter-spacing:.3px}
.ins-card-desc{font-size:11px;color:var(--text-light);line-height:1.5}
.ins-card-cta{font-size:11px;font-weight:700;color:var(--gold);letter-spacing:1px;text-transform:uppercase;margin-top:4px}

.why-section{padding:90px 0;background:var(--navy)}
.why-section .section-title{color:var(--white)}
.why-section .section-desc{color:rgba(255,255,255,.6)}
.why-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:24px;margin-top:50px}
.why-card{background:rgba(255,255,255,.04);border:1px solid rgba(201,168,76,.15);border-radius:12px;padding:32px 28px;transition:all .25s}
.why-card:hover{background:rgba(255,255,255,.07);border-color:rgba(201,168,76,.35)}
.why-card-num{font-family:'Cormorant Garamond',serif;font-size:48px;font-weight:700;color:rgba(201,168,76,.2);line-height:1;margin-bottom:12px}
.why-card-title{font-weight:700;font-size:15px;color:var(--gold-light);margin-bottom:10px}
.why-card-text{font-size:13px;color:rgba(255,255,255,.55);line-height:1.7}

.miguel-section{padding:10px 0;background:var(--cream)}
/* Change align-items from center to flex-start */
.miguel-inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 70px;
    align-items: flex-start;  /* Changed from 'center' to 'flex-start' */
}

.miguel-badge{display:inline-flex;align-items:center;gap:8px;background:var(--gold-pale);border:1px solid rgba(201,168,76,.4);padding:6px 14px;border-radius:50px;margin-bottom:20px}
.miguel-badge span{font-size:11px;letter-spacing:2px;text-transform:uppercase;color:var(--gold);font-weight:700}
.miguel-text p{font-size:15px;color:var(--text-mid);line-height:1.8;margin-bottom:16px}
.miguel-stats{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:32px 0}

.stat-item{text-align:center}
.stat-num{font-family:'Cormorant Garamond',serif;font-size:42px;font-weight:700;color:var(--navy);line-height:1}
.stat-label{font-size:11px;color:var(--text-light);letter-spacing:1.5px;text-transform:uppercase;margin-top:4px}
.miguel-contact{display:flex;flex-direction:column;gap:12px;margin-top:28px}
.contact-row{display:flex;align-items:center;gap:14px;text-decoration:none;color:var(--navy);font-weight:600;font-size:14px;transition:color .2s}
.contact-row:hover{color:var(--gold)}
.contact-row-icon{width:40px;height:40px;background:var(--navy);border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--gold);font-size:15px;flex-shrink:0}

/* Remove any top padding from miguel-visual */
.miguel-visual {
    background: linear-gradient(135deg, var(--navy), var(--navy-light));
    border-radius: 20px;
    padding: 20px 40px;  /* Keep existing padding */
    text-align: center;
    position: relative;
    overflow: hidden;
    margin-top: 0;  /* Ensure no top margin */
}

.miguel-visual::before{content:'';position:absolute;top:0px;right:-40px;width:200px;height:274px;border-radius:50%;background:rgba(201,168,76,.08)}

/* Ensure the image container has no extra top space */
.miguel-visual-icon {
    margin-top: 0;
    padding-top: 0;
}

.miguel-visual h3{font-family:'Cormorant Garamond',serif;font-size:28px;color:#fff;font-weight:700;margin-bottom:6px}
.miguel-visual-title{font-size:12px;letter-spacing:2px;text-transform:uppercase;color:var(--gold);margin-bottom:24px}
.license-badges{display:flex;flex-direction:column;gap:10px;margin-top:20px}
.license-badge{background:rgba(255,255,255,.07);border:1px solid rgba(201,168,76,.2);border-radius:8px;padding:10px 16px;font-size:12px;color:rgba(255,255,255,.7);display:flex;align-items:center;gap:10px}
.license-badge i{color:var(--gold)}

.testimonials-section{padding:90px 0;background:var(--white)}
.testimonials-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:24px;margin-top:50px}
.testimonial-card{background:var(--cream);border-radius:12px;padding:32px;border:1px solid rgba(0,0,0,.06)}
.stars{color:var(--gold);font-size:14px;margin-bottom:16px;letter-spacing:2px}
.testimonial-text{font-size:14px;color:var(--text-mid);line-height:1.8;font-style:italic;margin-bottom:20px}
.testimonial-author{display:flex;align-items:center;gap:12px}
.testimonial-avatar{width:44px;height:44px;background:linear-gradient(135deg,var(--navy),var(--navy-light));border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--gold);font-size:16px;font-weight:700;font-family:'Cormorant Garamond',serif;flex-shrink:0}
.testimonial-name{font-weight:700;font-size:14px;color:var(--navy)}
.testimonial-loc{font-size:11px;color:var(--text-light);letter-spacing:.5px}

.final-cta{background:linear-gradient(135deg,var(--gold) 0%,var(--gold-light) 100%);padding:10px 40px;text-align:center}
.final-cta h2{font-family:'Cormorant Garamond',serif;font-size:clamp(32px,4vw,52px);font-weight:700;color:var(--navy);margin-bottom:16px}
.final-cta p{font-size:15px;color:rgba(10,22,40,.7);margin-bottom:36px;max-width:560px;margin-left:auto;margin-right:auto}
.final-cta-btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
.btn-final-dark{background:var(--navy);color:#fff;padding:18px 36px;border-radius:4px;text-decoration:none;font-weight:800;font-size:13px;letter-spacing:1.5px;text-transform:uppercase;display:inline-flex;align-items:center;gap:10px;transition:all .2s;box-shadow:0 8px 30px rgba(10,22,40,.2)}
.btn-final-dark:hover{background:var(--navy-mid);transform:translateY(-2px)}
.btn-final-wa{background:#25d366;color:#fff;padding:18px 36px;border-radius:4px;text-decoration:none;font-weight:800;font-size:13px;letter-spacing:1.5px;text-transform:uppercase;display:inline-flex;align-items:center;gap:10px;transition:all .2s}
.btn-final-wa:hover{background:#20ba5a;transform:translateY(-2px)}

footer{background:var(--navy);padding:60px 40px 30px;color:rgba(255,255,255,.5)}
.footer-inner{max-width:1200px;margin:0 auto}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:40px;margin-bottom:50px}
.footer-brand p{font-size:13px;line-height:1.8;margin-top:16px;color:rgba(255,255,255,.4)}
.footer-col h4{font-size:11px;letter-spacing:2.5px;text-transform:uppercase;color:var(--gold);margin-bottom:18px;font-weight:700}
.footer-col a{display:block;color:rgba(176, 244, 247,.45);text-decoration:none;font-size:13px;padding:4px 0;transition:color .2s}
.footer-col a:hover{color:var(--gold-light)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.08);padding-top:24px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;font-size:12px}
.footer-bottom a{color:var(--gold);text-decoration:none}

.fbb{position:fixed;bottom:0;left:0;right:0;background:var(--navy);border-top:1px solid rgba(201,168,76,.3);padding:10px 20px;display:flex;align-items:center;justify-content:center;gap:12px;z-index:998;flex-wrap:wrap}
.fbb-btn{padding:9px 18px;border-radius:50px;text-decoration:none;font-size:12px;font-weight:700;letter-spacing:.5px;display:flex;align-items:center;gap:8px;transition:all .2s}
.fbb-btn:hover{transform:translateY(-2px)}
.fbb-btn.gold{background:linear-gradient(135deg,var(--gold),var(--gold-light));color:var(--navy)}
.fbb-btn.green{background:#25d366;color:#fff}
.fbb-btn.blue{background:#1a3a8f;color:#fff}

@media(max-width:900px){.hero-grid{grid-template-columns:1fr}.hero-card{display:none}.miguel-inner{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}.topbar{display:none}.main-nav ul{padding:0 20px}.main-nav ul li a{font-size:11px;padding:10px 8px}header{padding:0 20px}.hero{padding:60px 20px}.section-wrap{padding:0 20px}}
@media(max-width:600px){.footer-grid{grid-template-columns:1fr}.float-actions{display:none}.insurance-grid{grid-template-columns:repeat(2,1fr)}}
@keyframes fadeUp{from{opacity:0;transform:translateY(24px)}to{opacity:1;transform:translateY(0)}}
.hero-content{animation:fadeUp .7s ease both}
.hero-card{animation:fadeUp .7s .2s ease both}

/* Main logo text – Gold‑Silver Gradient + 3D Depth */
.logo-text-main {
  font-family: 'Cormorant Garamond', serif;
  font-size: 40px;          /* adjust to your current size */
  font-weight: 700;
  background: linear-gradient(135deg, #F7E05E 0%, #D4AF37 30%, #B87C1E 70%, #F7E05E 100%);
  background-clip: text;
  -webkit-background-clip: text;
  color: transparent;
  text-shadow: 
    2px 2px 0 rgba(0,0,0,0.2),
    4px 4px 8px rgba(0,0,0,0.3),
    0 1px 0 rgba(255,255,255,0.4) inset;
  letter-spacing: 0.5px;
  transition: all 0.3s ease;
}

/* Hover effect – increases depth */
.logo-text-main:hover {
  text-shadow: 
    2px 2px 0 rgba(0,0,0,0.3),
    6px 6px 12px rgba(0,0,0,0.4);
  transform: translateY(-1px);
}




/* Additional styles for loan application integration */
:root {
    --primary: #2c7da0;
    --primary-dark: #1f5e7a;
    --secondary: #61a5c2;
    --success: #28a745;
    --warning: #ffc107;
    --danger: #dc3545;
    --gray-light: #f8f9fa;
    --gray: #6c757d;
    --dark: #343a40;
    --gold: #D4AF37;
    --gold-light: #e6c86e;
    --navy: #0a1f30;
    --white: #ffffff;
}

.loan-app-wrapper {
    max-width: 1200px;
    margin: 0 auto;
    padding: 40px 20px;
    background: #ffffff;
}

/* Hero Section */
.hero {
    background: linear-gradient(135deg, #4285F4 0%, #34A853 50%, #FBBC05 100%);
    color: white;
    padding: 0px 0px 0px 0px;
    text-align: center;
    border-radius: 20px;
    margin-top: 20px;
    margin-bottom: 30px;
    max-width: 900px;
    margin-left: auto;
    margin-right: auto;
}

.hero-content {
    max-width: 700px;
    margin: 0 auto;
}

/* Hero Section - Clean white like eMortgage */
.hero-section {
    background: white;
    padding: 48px 24px 64px;
    text-align: center;
}

.hero-title {
    font-size: 32px;
    font-weight: 700;
    color: #1a1a2e;
    max-width: 800px;
    margin: 0 auto 16px;
}

.hero-title span {
    color: #0056b3;
}

.hero-subtitle {
    font-size: 18px;
    color: #64748b;
    margin-bottom: 48px;
}

.badge {
    display: inline-block;
    background: rgba(255,255,255,0.2);
    padding: 6px 12px;
    border-radius: 50px;
    font-size: 12px;
    margin-bottom: 15px;
}

.hero h1 {
    font-size: 2rem;
    margin-bottom: 12px;
    line-height: 1.3;
}

.hero-subtitle {
    font-size: 1rem;
    opacity: 0.9;
    margin-bottom: 25px;
}

.highlight {
    color: #ffd700;
}

.tiles-container {
    max-width: 1000px;
    margin: 0 auto;
    display: flex;
    gap: 20px;
    justify-content: center;
    flex-wrap: wrap;
}

.tile {
    flex: 1;
    min-width: 200px;
    background: #f8fafc;
    border-radius: 16px;
    padding: 32px 24px;
    text-align: center;
    text-decoration: none;
    transition: all 0.2s ease;
    border: 1px solid #eef2f6;
    cursor: pointer;
}

.tile:hover {
    transform: translateY(-4px);
    box-shadow: 0 20px 25px -12px rgba(0,0,0,0.1);
    border-color: #0056b3;
}

.tile-icon {
    font-size: 48px;
    margin-bottom: 16px;
}

.tile-title {
    font-weight: 600;
    color: #1a1a2e;
    margin-bottom: 8px;
}

.tile-arrow {
    color: #0056b3;
    font-size: 20px;
    margin-top: 12px;
    display: inline-block;
}

/* Rate Quote Widget */
.rate-quote-widget {
    background: white;
    border-radius: 20px;
    padding: 30px;
    color: #333;
    text-align: left;
    box-shadow: 0 20px 40px rgba(0,0,0,0.2);
}

.rate-quote-widget h3 {
    margin-bottom: 20px;
    font-size: 1.3rem;
}

.quote-row {
    display: flex;
    gap: 15px;
    margin-bottom: 15px;
    flex-wrap: wrap;
}

.quote-group {
    flex: 1;
    min-width: 150px;
}

.quote-group label {
    display: block;
    margin-bottom: 5px;
    font-size: 12px;
    font-weight: 600;
    color: #666;
}

.currency-input {
    position: relative;
}

.currency-input .currency {
    position: absolute;
    left: 12px;
    top: 50%;
    transform: translateY(-50%);
    color: #666;
}

.currency-input input,
.quote-group select {
    width: 100%;
    padding: 12px 12px 12px 28px;
    border: 1px solid #ddd;
    border-radius: 10px;
    font-size: 16px;
}

.btn-rate-quote {
    width: 100%;
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    color: white;
    border: none;
    padding: 14px;
    border-radius: 10px;
    font-size: 16px;
    font-weight: 600;
    cursor: pointer;
    margin-top: 10px;
    transition: transform 0.2s;
}

.btn-rate-quote:hover {
    transform: translateY(-2px);
}

.result-card {
    background: #e8f4f9;
    border-radius: 12px;
    padding: 20px;
    margin-top: 20px;
    text-align: center;
}

.estimated-rate, .estimated-payment {
    margin-bottom: 15px;
}

.estimated-rate .label,
.estimated-payment .label {
    display: block;
    font-size: 12px;
    color: #666;
}

.estimated-rate .value {
    font-size: 32px;
    font-weight: bold;
    color: var(--primary);
}

.estimated-payment .value {
    font-size: 24px;
    font-weight: bold;
    color: var(--success);
}

.disclaimer {
    font-size: 10px;
    color: #999;
    margin-top: 10px;
}

.btn-start-apply {
    width: 100%;
    background: var(--success);
    color: white;
    border: none;
    padding: 14px;
    border-radius: 10px;
    font-size: 16px;
    font-weight: 600;
    cursor: pointer;
    margin-top: 15px;
    transition: transform 0.2s;
}

.btn-start-apply:hover {
    transform: translateY(-2px);
}

/* Trust Section */
.trust-section {
    background: white;
    padding: 40px 20px;
}

.trust-badges {
    display: flex;
    justify-content: center;
    gap: 30px;
    flex-wrap: wrap;
}

.badge-item {
    text-align: center;
}

.badge-icon {
    font-size: 32px;
    margin-bottom: 8px;
}

/* How It Works */
.how-it-works {
    background: var(--gray-light);
    padding: 60px 20px;
    text-align: center;
}

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

.how-it-works h2, .testimonials h2, .application-embed h2 {
    font-size: 2rem;
    margin-bottom: 40px;
    color: var(--dark);
}

.steps-grid {
    display: flex;
    gap: 30px;
    flex-wrap: wrap;
    justify-content: center;
}

.step-card {
    background: white;
    border-radius: 20px;
    padding: 30px;
    flex: 1;
    min-width: 200px;
    text-align: center;
    box-shadow: 0 5px 20px rgba(0,0,0,0.05);
    position: relative;
}

.step-number {
    position: absolute;
    top: -15px;
    left: 20px;
    background: var(--primary);
    color: white;
    width: 30px;
    height: 30px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: bold;
}

.step-icon {
    font-size: 48px;
    margin-bottom: 15px;
}

.step-card h3 {
    margin-bottom: 10px;
}

/* Testimonials */
.testimonials {
    background: white;
    padding: 60px 20px;
    text-align: center;
}

.testimonial-grid {
    display: flex;
    gap: 30px;
    flex-wrap: wrap;
    justify-content: center;
}

.testimonial-card {
    background: var(--gray-light);
    border-radius: 16px;
    padding: 25px;
    flex: 1;
    min-width: 250px;
    text-align: left;
}

.stars {
    color: #ffc107;
    margin-bottom: 10px;
}

.testimonial-card p {
    margin-bottom: 15px;
    line-height: 1.5;
}

.client {
    color: var(--gray);
    font-size: 14px;
}

/* Application Embed - ONLY THE IFRAME */
.application-embed {
    padding: 40px 20px;
    background: #ffffff;
}

.application-embed h2 {
    text-align: center;
    margin-bottom: 20px;
}

.application-embed > .container > p {
    text-align: center;
    margin-bottom: 30px;
    color: var(--gray);
}

.application-frame {
    width: 100%;
    height: 1800px;
    border: none;
    border-radius: 16px;
    box-shadow: 0 10px 40px rgba(0,0,0,0.1);
    background: white;
    overflow: hidden;
}

/* Responsive */
@media (max-width: 768px) {
    .loan-app-wrapper {
        padding: 20px 15px;
    }
    
    .hero {
        padding: 40px 20px;
    }
    
    .hero h1 {
        font-size: 1.8rem;
    }
    
    .rate-quote-widget {
        padding: 20px;
    }
    
    .quote-row {
        flex-direction: column;
        gap: 10px;
    }
    
    .application-frame {
        min-height: 600px;
    }
    
    .steps-grid {
        flex-direction: column;
    }
    
    .testimonial-grid {
        flex-direction: column;
    }
}

@media (max-width: 480px) {
    .hero h1 {
        font-size: 1.5rem;
    }
    
    .hero-subtitle {
        font-size: 0.9rem;
    }
    
    .trust-badges {
        gap: 15px;
    }
    
    .badge-item {
        font-size: 12px;
    }
    
    .badge-icon {
        font-size: 24px;
    }
}