*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    :root {
      --navy: #1a3c80;
      --navy-dark: #122d60;
      --gold: #c8a84b;
      --gold-light: #dbbf6e;
      --white: #ffffff;
      --off-white: #f8f6f2;
      --light-gray: #f0ede8;
      --text: #2c2c2c;
      --text-light: #666;
      --serif: 'Cormorant Garamond', Georgia, serif;
      --sans: 'Outfit', system-ui, sans-serif;
    }
    html { scroll-behavior: smooth; }
    body { font-family: var(--sans); color: var(--text); background: var(--white); overflow-x: hidden; }

    /* ===== NAV ===== */
    nav {
      position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
      background: rgba(26, 60, 128, 0.97);
      backdrop-filter: blur(10px);
      padding: 0 2rem;
      display: flex; align-items: center; justify-content: space-between;
      height: 70px;
      box-shadow: 0 2px 20px rgba(0,0,0,0.15);
      transition: background 0.3s;
    }
    .nav-logo {
      display: flex; align-items: center; gap: 0.75rem;
      text-decoration: none; cursor: pointer;
    }
    .nav-logo-icon {
      width: 42px; height: 42px;
      background: var(--gold);
      border-radius: 6px;
      display: flex; align-items: center; justify-content: center;
      font-family: var(--serif);
      font-size: 1.2rem; font-weight: 700;
      color: var(--navy);
      letter-spacing: -0.5px;
    }
    .nav-logo-text { color: var(--white); line-height: 1.2; }
    .nav-logo-text strong { display: block; font-family: var(--serif); font-size: 1rem; font-weight: 600; letter-spacing: 0.5px; }
    .nav-logo-text span { font-size: 0.65rem; font-weight: 300; letter-spacing: 1.5px; text-transform: uppercase; opacity: 0.8; }
    .nav-links { display: flex; gap: 0.25rem; align-items: center; }
    .nav-links a {
      color: rgba(255,255,255,0.85);
      text-decoration: none; font-size: 0.88rem; font-weight: 400;
      padding: 0.5rem 0.9rem; border-radius: 4px;
      transition: all 0.2s; letter-spacing: 0.3px;
      cursor: pointer;
    }
    .nav-links a:hover, .nav-links a.active { color: var(--white); background: rgba(200,168,75,0.2); }
    .nav-links a.active { color: var(--gold); }
    .nav-cta {
      background: var(--gold) !important; color: var(--navy) !important;
      font-weight: 600 !important; padding: 0.5rem 1.2rem !important;
    }
    .nav-cta:hover { background: var(--gold-light) !important; }
    .hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 5px; }
    .hamburger span { display: block; width: 24px; height: 2px; background: var(--white); transition: 0.3s; }
    .mobile-menu {
      display: none; position: fixed; top: 70px; left: 0; right: 0; z-index: 999;
      background: var(--navy-dark); padding: 1rem;
      flex-direction: column; gap: 0.25rem;
    }
    .mobile-menu.open { display: flex; }
    .mobile-menu a {
      color: rgba(255,255,255,0.85); text-decoration: none; padding: 0.75rem 1rem;
      border-radius: 6px; font-size: 0.95rem; cursor: pointer;
      border-bottom: 1px solid rgba(255,255,255,0.08);
    }
    .mobile-menu a:hover, .mobile-menu a.active { background: rgba(200,168,75,0.15); color: var(--gold); }
    main { padding-top: 70px; }

    /* ===== HERO ===== */
    .hero {
      min-height: 88vh;
      background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 50%, #1e4a9e 100%);
      display: flex; align-items: center; justify-content: center;
      text-align: center; padding: 4rem 2rem;
      position: relative; overflow: hidden;
    }
    .hero::before {
      content: '';
      position: absolute; inset: 0;
      background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
    }
    .hero-content { position: relative; z-index: 1; max-width: 780px; }
    .hero-badge {
      display: inline-block;
      background: rgba(200,168,75,0.2); border: 1px solid rgba(200,168,75,0.5);
      color: var(--gold); font-size: 0.75rem; font-weight: 600;
      letter-spacing: 2px; text-transform: uppercase;
      padding: 0.4rem 1rem; border-radius: 50px; margin-bottom: 1.5rem;
    }
    .hero h1 {
      font-family: var(--serif); font-size: clamp(2.4rem, 6vw, 4rem);
      font-weight: 600; color: var(--white); line-height: 1.15;
      margin-bottom: 1.25rem; letter-spacing: -0.5px;
    }
    .hero h1 em { color: var(--gold); font-style: italic; }
    .hero p {
      font-size: 1.1rem; color: rgba(255,255,255,0.8);
      line-height: 1.8; max-width: 600px; margin: 0 auto 2.5rem;
      font-weight: 300;
    }
    .hero-buttons { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; align-items: center; }
    .hero-text-link { color: rgba(255,255,255,0.85); font-size: 0.9rem; font-weight: 600; text-decoration: none; letter-spacing: 0.3px; padding: 0.5rem 0.25rem; transition: color 0.2s; }
    .hero-text-link:hover { color: var(--white); }
    .btn {
      display: inline-flex; align-items: center; gap: 0.5rem;
      padding: 0.85rem 2rem; border-radius: 6px;
      font-size: 0.9rem; font-weight: 600; text-decoration: none;
      cursor: pointer; transition: all 0.25s; border: 2px solid transparent;
      letter-spacing: 0.3px;
    }
    .btn-gold { background: var(--gold); color: var(--navy); }
    .btn-gold:hover { background: var(--gold-light); transform: translateY(-1px); box-shadow: 0 8px 25px rgba(200,168,75,0.35); }
    .btn-outline { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.4); }
    .btn-outline:hover { border-color: var(--white); background: rgba(255,255,255,0.1); }
    .btn-navy { background: var(--navy); color: var(--white); }
    .btn-navy:hover { background: var(--navy-dark); transform: translateY(-1px); }
    .hero-stats {
      display: flex; justify-content: center; gap: 3rem;
      margin-top: 3.5rem; flex-wrap: wrap;
    }
    .hero-stat { text-align: center; }
    .hero-stat strong { display: block; font-family: var(--serif); font-size: 2.2rem; font-weight: 700; color: var(--gold); }
    .hero-stat span { font-size: 0.8rem; color: rgba(255,255,255,0.65); letter-spacing: 0.5px; text-transform: uppercase; }

    /* ===== SECTIONS ===== */
    section { padding: 5rem 2rem; }
    .container { max-width: 1100px; margin: 0 auto; }
    .section-label {
      font-size: 0.72rem; font-weight: 700; letter-spacing: 3px;
      text-transform: uppercase; color: var(--gold); margin-bottom: 0.75rem;
    }
    .section-title {
      font-family: var(--serif); font-size: clamp(1.8rem, 4vw, 2.8rem);
      font-weight: 600; color: var(--navy); line-height: 1.2; margin-bottom: 1rem;
    }
    .section-sub {
      font-size: 1rem; color: var(--text-light); line-height: 1.8; max-width: 620px;
    }
    .divider { width: 50px; height: 3px; background: var(--gold); margin: 1.25rem 0; }
    .text-center { text-align: center; }
    .text-center .divider { margin: 1.25rem auto; }
    .text-center .section-sub { margin: 0 auto; }

    /* ===== SERVICES GRID ===== */
    .services-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 1.5rem; margin-top: 3rem; }
    .service-card {
      background: var(--white); border: 1px solid #e8e3db;
      border-radius: 12px; padding: 2rem;
      transition: all 0.3s; cursor: default;
      position: relative; overflow: hidden;
    }
    .service-card::before {
      content: '';
      position: absolute; top: 0; left: 0; right: 0; height: 3px;
      background: var(--gold); transform: scaleX(0); transform-origin: left;
      transition: transform 0.3s;
    }
    .service-card:hover { transform: translateY(-4px); box-shadow: 0 15px 40px rgba(26,60,128,0.1); border-color: #d4c9b8; }
    .service-card:hover::before { transform: scaleX(1); }
    .service-icon {
      width: 50px; height: 50px; border-radius: 10px;
      background: rgba(26,60,128,0.08);
      display: flex; align-items: center; justify-content: center;
      margin-bottom: 1.25rem; font-size: 1.4rem;
    }
    .service-card h3 { font-family: var(--serif); font-size: 1.3rem; font-weight: 600; color: var(--navy); margin-bottom: 0.75rem; }
    .service-card p { font-size: 0.9rem; color: var(--text-light); line-height: 1.7; }
    .service-tags { display: flex; flex-wrap: wrap; gap: 0.4rem; margin-top: 1rem; }
    .service-tag {
      font-size: 0.72rem; font-weight: 500; padding: 0.25rem 0.6rem;
      background: rgba(26,60,128,0.07); color: var(--navy); border-radius: 50px;
    }

    /* ===== ABOUT STATS ===== */
    .stats-row { display: flex; gap: 2rem; flex-wrap: wrap; margin-top: 2.5rem; }
    .stat-item { text-align: center; flex: 1; min-width: 140px; }
    .stat-item strong { display: block; font-family: var(--serif); font-size: 3rem; font-weight: 700; color: var(--navy); line-height: 1; }
    .stat-item span { font-size: 0.8rem; color: var(--text-light); letter-spacing: 0.5px; text-transform: uppercase; margin-top: 0.4rem; display: block; }
    .stat-item .gold { color: var(--gold); }

    /* ===== TEAM ===== */
    .team-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 2rem; margin-top: 3rem; }
    .team-card {
      text-align: center; padding: 2rem 1.5rem;
      background: var(--off-white); border-radius: 12px;
      transition: transform 0.3s;
    }
    .team-card:hover { transform: translateY(-4px); }
    .team-avatar {
      width: 90px; height: 90px; border-radius: 50%;
      background: var(--navy); margin: 0 auto 1rem;
      display: flex; align-items: center; justify-content: center;
      font-family: var(--serif); font-size: 1.8rem; font-weight: 700;
      color: var(--gold); border: 3px solid var(--gold);
      overflow: hidden;
    }
    .team-avatar img { width: 100%; height: 100%; object-fit: cover; display: block; }
    .team-card h3 { font-family: var(--serif); font-size: 1.2rem; color: var(--navy); margin-bottom: 0.25rem; }
    .team-card .role { font-size: 0.8rem; color: var(--gold); font-weight: 600; letter-spacing: 1px; text-transform: uppercase; margin-bottom: 0.75rem; }
    .team-card p { font-size: 0.88rem; color: var(--text-light); line-height: 1.6; }

    /* ===== TESTIMONIALS ===== */
    .testimonials-bg { background: var(--off-white); }
    .testimonials-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 1.5rem; margin-top: 3rem; }
    .testimonial-card {
      background: var(--white); border-radius: 12px; padding: 2rem;
      box-shadow: 0 4px 20px rgba(0,0,0,0.06); position: relative;
    }
    .testimonial-card::before {
      content: '\201C'; font-family: var(--serif); font-size: 5rem; line-height: 0;
      color: var(--gold); opacity: 0.25; position: absolute;
      top: 1.5rem; left: 1.5rem;
    }
    .testimonial-card p { font-size: 0.95rem; line-height: 1.75; color: var(--text); padding-top: 1.5rem; font-style: italic; }
    .testimonial-author { display: flex; align-items: center; gap: 0.75rem; margin-top: 1.25rem; padding-top: 1.25rem; border-top: 1px solid #eee; }
    .author-avatar { width: 42px; height: 42px; border-radius: 50%; background: var(--navy); display: flex; align-items: center; justify-content: center; color: var(--gold); font-weight: 700; font-size: 0.9rem; flex-shrink: 0; }
    .author-info strong { display: block; font-size: 0.9rem; color: var(--navy); }
    .author-info span { font-size: 0.78rem; color: var(--text-light); }
    .stars { color: var(--gold); font-size: 0.85rem; margin-bottom: 0.5rem; }

    /* ===== BANK PARTNERS ===== */
    .partners-section { background: var(--navy); padding: 4rem 2rem; }
    .partners-section .section-title { color: var(--white); }
    .partners-section .section-label { color: var(--gold-light); }
    .partners-section .divider { background: var(--gold); }
    .banks-grid { display: flex; flex-wrap: wrap; justify-content: center; gap: 1rem; margin-top: 2.5rem; }
    .bank-pill {
      background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2);
      color: var(--white); padding: 0.65rem 1.4rem; border-radius: 50px;
      font-size: 0.88rem; font-weight: 500; transition: all 0.2s;
    }
    .bank-pill:hover { background: rgba(200,168,75,0.2); border-color: var(--gold); color: var(--gold); }

    /* ===== FAQ ===== */
    .faq-list { margin-top: 2.5rem; max-width: 750px; }
    .faq-item { border-bottom: 1px solid #e8e3db; }
    .faq-question {
      width: 100%; text-align: left; background: none; border: none;
      padding: 1.25rem 0; cursor: pointer;
      display: flex; align-items: center; justify-content: space-between;
      gap: 1rem; font-family: var(--sans); font-size: 1rem;
      font-weight: 500; color: var(--navy);
    }
    .faq-question:hover { color: var(--gold); }
    .faq-arrow { font-size: 0.7rem; color: var(--gold); transition: transform 0.3s; flex-shrink: 0; }
    .faq-item.open .faq-arrow { transform: rotate(180deg); }
    .faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.35s ease; }
    .faq-answer p { padding: 0 0 1.25rem; font-size: 0.92rem; color: var(--text-light); line-height: 1.8; }

    /* ===== BLOG ===== */
    .blog-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(310px, 1fr)); gap: 2rem; margin-top: 3rem; }
    .blog-card {
      background: var(--white); border: 1px solid #e8e3db;
      border-radius: 12px; overflow: hidden;
      transition: all 0.3s; cursor: pointer;
    }
    .blog-card:hover { transform: translateY(-5px); box-shadow: 0 20px 50px rgba(26,60,128,0.12); }
    .blog-thumb {
      height: 200px; background: var(--navy);
      display: flex; align-items: center; justify-content: center;
      font-size: 3rem; position: relative; overflow: hidden;
    }
    .blog-thumb-navy { background: linear-gradient(135deg, var(--navy), #1e4a9e); }
    .blog-thumb-gold { background: linear-gradient(135deg, #8B6914, var(--gold)); }
    .blog-thumb-label {
      position: absolute; bottom: 0; left: 0; right: 0;
      background: linear-gradient(transparent, rgba(0,0,0,0.6));
      padding: 2rem 1rem 0.75rem;
    }
    .blog-tag { font-size: 0.7rem; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: var(--gold); }
    .blog-body { padding: 1.5rem; }
    .blog-meta { font-size: 0.78rem; color: var(--text-light); margin-bottom: 0.75rem; }
    .blog-card h3 { font-family: var(--serif); font-size: 1.25rem; color: var(--navy); margin-bottom: 0.75rem; line-height: 1.35; }
    .blog-card p { font-size: 0.88rem; color: var(--text-light); line-height: 1.7; margin-bottom: 1rem; }
    .read-more { font-size: 0.82rem; font-weight: 600; color: var(--navy); text-decoration: none; letter-spacing: 0.5px; }
    .read-more:hover { color: var(--gold); }

    /* ===== BLOG MODAL ===== */
    .modal-overlay {
      position: fixed; inset: 0; z-index: 2000;
      background: rgba(0,0,0,0.6); backdrop-filter: blur(4px);
      display: flex; align-items: center; justify-content: center;
      padding: 1rem; opacity: 0; pointer-events: none; transition: opacity 0.3s;
    }
    .modal-overlay.open { opacity: 1; pointer-events: all; }
    .modal {
      background: var(--white); border-radius: 16px;
      width: 100%; max-width: 780px; max-height: 90vh;
      overflow-y: auto; transform: translateX(60px);
      transition: transform 0.35s cubic-bezier(0.16,1,0.3,1);
      box-shadow: 0 30px 80px rgba(0,0,0,0.25);
    }
    .modal-overlay.open .modal { transform: translateX(0); }
    .modal-header { padding: 2rem 2rem 1rem; border-bottom: 1px solid #eee; position: relative; }
    .modal-close {
      position: absolute; top: 1.25rem; right: 1.25rem;
      width: 36px; height: 36px; border-radius: 50%;
      background: var(--light-gray); border: none; cursor: pointer;
      font-size: 1.1rem; display: flex; align-items: center; justify-content: center;
      color: var(--text); transition: background 0.2s;
    }
    .modal-close:hover { background: #e0dbd3; }
    .modal-tag { font-size: 0.7rem; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--gold); margin-bottom: 0.5rem; }
    .modal h2 { font-family: var(--serif); font-size: clamp(1.4rem, 3vw, 2rem); color: var(--navy); line-height: 1.3; }
    .modal-meta { font-size: 0.82rem; color: var(--text-light); margin-top: 0.5rem; }
    .modal-body { padding: 2rem; }
    .modal-video { width: 100%; aspect-ratio: 9/16; max-height: 420px; border-radius: 10px; overflow: hidden; margin-bottom: 2rem; background: #000; }
    .modal-video iframe { width: 100%; height: 100%; border: none; }
    .modal-body h3 { font-family: var(--serif); font-size: 1.25rem; color: var(--navy); margin: 1.5rem 0 0.75rem; }
    .modal-body p { font-size: 0.95rem; color: var(--text); line-height: 1.85; margin-bottom: 1rem; }
    .modal-body ul { padding-left: 1.25rem; margin-bottom: 1rem; }
    .modal-body ul li { font-size: 0.93rem; color: var(--text); line-height: 1.75; margin-bottom: 0.4rem; }
    .modal-body strong { color: var(--navy); }
    .modal-cta { background: var(--off-white); border-radius: 10px; padding: 1.5rem; margin-top: 2rem; text-align: center; }
    .modal-cta p { font-size: 0.9rem; margin-bottom: 1rem; }

    /* ===== CONTACT ===== */
    .contact-grid { display: grid; grid-template-columns: 1fr 1.5fr; gap: 4rem; align-items: start; }
    .contact-info h3 { font-family: var(--serif); font-size: 1.5rem; color: var(--navy); margin-bottom: 1rem; }
    .contact-info p { font-size: 0.92rem; color: var(--text-light); line-height: 1.8; margin-bottom: 1.5rem; }
    .contact-detail { display: flex; align-items: flex-start; gap: 0.75rem; margin-bottom: 1rem; }
    .contact-detail-icon { width: 36px; height: 36px; background: rgba(26,60,128,0.1); border-radius: 8px; display: flex; align-items: center; justify-content: center; font-size: 0.9rem; flex-shrink: 0; }
    .contact-detail div strong { display: block; font-size: 0.8rem; color: var(--navy); font-weight: 600; text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 0.2rem; }
    .contact-detail div span { font-size: 0.9rem; color: var(--text-light); }
    .contact-form { background: var(--off-white); border-radius: 16px; padding: 2.5rem; }
    .contact-form h3 { font-family: var(--serif); font-size: 1.4rem; color: var(--navy); margin-bottom: 0.5rem; }
    .contact-form .sub { font-size: 0.88rem; color: var(--text-light); margin-bottom: 1.75rem; }
    .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
    .form-group { margin-bottom: 1.1rem; }
    .form-group label { display: block; font-size: 0.8rem; font-weight: 600; color: var(--navy); margin-bottom: 0.4rem; letter-spacing: 0.3px; }
    .form-group input, .form-group select, .form-group textarea {
      width: 100%; padding: 0.8rem 1rem; border: 1.5px solid #ddd;
      border-radius: 8px; font-family: var(--sans); font-size: 0.9rem; color: var(--text);
      background: var(--white); transition: border-color 0.2s, box-shadow 0.2s;
      outline: none;
    }
    .form-group input:focus, .form-group select:focus, .form-group textarea:focus {
      border-color: var(--navy); box-shadow: 0 0 0 3px rgba(26,60,128,0.1);
    }
    .form-group textarea { resize: vertical; min-height: 110px; }
    .form-success { display: none; text-align: center; padding: 2rem; }
    .form-success .checkmark { font-size: 3rem; margin-bottom: 1rem; }
    .form-success h3 { font-family: var(--serif); color: var(--navy); margin-bottom: 0.5rem; }
    .form-success p { color: var(--text-light); font-size: 0.9rem; }

    /* ===== ABOUT PAGE ===== */
    .about-hero { background: linear-gradient(135deg, var(--navy-dark), var(--navy)); padding: 5rem 2rem; text-align: center; }
    .about-hero h1 { font-family: var(--serif); font-size: clamp(2rem, 5vw, 3.5rem); font-weight: 600; color: var(--white); margin-bottom: 1rem; }
    .about-hero p { color: rgba(255,255,255,0.8); font-size: 1.05rem; max-width: 600px; margin: 0 auto; line-height: 1.8; }
    .about-body { display: grid; grid-template-columns: 1fr 1fr; gap: 5rem; align-items: center; padding: 5rem 2rem; max-width: 1100px; margin: 0 auto; }
    .about-img-block {
      background: linear-gradient(135deg, var(--off-white), #e8e3db);
      border-radius: 16px; padding: 3rem; text-align: center;
      border: 1px solid #d4c9b8;
    }
    .about-img-block .big-icon { font-size: 5rem; margin-bottom: 1rem; }
    .about-img-block p { font-size: 0.9rem; color: var(--text-light); line-height: 1.7; }

    /* ===== SERVICES PAGE ===== */
    .services-hero { background: linear-gradient(135deg, var(--navy-dark), var(--navy)); padding: 5rem 2rem; text-align: center; }
    .services-hero h1 { font-family: var(--serif); font-size: clamp(2rem, 5vw, 3.5rem); color: var(--white); margin-bottom: 1rem; }
    .services-hero p { color: rgba(255,255,255,0.8); font-size: 1.05rem; max-width: 600px; margin: 0 auto; line-height: 1.8; }
    .services-detail { background: var(--off-white); }
    .mortgage-types { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; margin-top: 2rem; }
    .mortgage-type {
      background: var(--white); border-radius: 10px; padding: 1.75rem;
      border-top: 3px solid var(--gold); text-align: center;
    }
    .mortgage-type h4 { font-family: var(--serif); font-size: 1.1rem; color: var(--navy); margin: 0.75rem 0 0.5rem; }
    .mortgage-type p { font-size: 0.85rem; color: var(--text-light); line-height: 1.6; }
    .mortgage-icon { font-size: 2rem; }

    /* ===== CONTACT PAGE ===== */
    .contact-hero { background: linear-gradient(135deg, var(--navy-dark), var(--navy)); padding: 5rem 2rem; text-align: center; }
    .contact-hero h1 { font-family: var(--serif); font-size: clamp(2rem, 5vw, 3.5rem); color: var(--white); margin-bottom: 1rem; }
    .contact-hero p { color: rgba(255,255,255,0.8); font-size: 1.05rem; max-width: 600px; margin: 0 auto; line-height: 1.8; }

    /* ===== BLOG PAGE ===== */
    .blog-hero { background: linear-gradient(135deg, var(--navy-dark), var(--navy)); padding: 5rem 2rem; text-align: center; }
    .blog-hero h1 { font-family: var(--serif); font-size: clamp(2rem, 5vw, 3.5rem); color: var(--white); margin-bottom: 1rem; }
    .blog-hero p { color: rgba(255,255,255,0.8); font-size: 1.05rem; max-width: 600px; margin: 0 auto; line-height: 1.8; }

    /* ===== FOOTER ===== */
    footer {
      background: var(--navy-dark); color: rgba(255,255,255,0.7);
      padding: 4rem 2rem 2rem;
    }
    .footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 3rem; max-width: 1100px; margin: 0 auto; padding-bottom: 3rem; border-bottom: 1px solid rgba(255,255,255,0.1); }
    .footer-brand p { font-size: 0.88rem; line-height: 1.8; margin-top: 1rem; margin-bottom: 1.5rem; }
    .footer-links h4 { color: var(--white); font-size: 0.85rem; font-weight: 600; letter-spacing: 1px; text-transform: uppercase; margin-bottom: 1rem; }
    .footer-links a { display: block; color: rgba(255,255,255,0.65); text-decoration: none; font-size: 0.88rem; margin-bottom: 0.5rem; cursor: pointer; transition: color 0.2s; }
    .footer-links a:hover { color: var(--gold); }
    .footer-bottom { text-align: center; padding-top: 2rem; font-size: 0.8rem; max-width: 1100px; margin: 0 auto; }
    .footer-bottom a { color: var(--gold); text-decoration: none; }


    /* ===== RESPONSIVE ===== */
    @media (max-width: 768px) {
      .nav-links { display: none; }
      .hamburger { display: flex; }
      .contact-grid { grid-template-columns: 1fr; gap: 2rem; }
      .about-body { grid-template-columns: 1fr; gap: 2rem; }
      .form-row { grid-template-columns: 1fr; }
      .mortgage-types { grid-template-columns: 1fr; }
      .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
      .hero-stats { gap: 2rem; }
      section { padding: 3.5rem 1.25rem; }
      .modal-body { padding: 1.25rem; }
      .modal-header { padding: 1.25rem 1.25rem 0.75rem; }
      .contact-form { padding: 1.75rem; }
    }

    /* ===== WHATSAPP WIDGET ===== */
    .wa-widget { position: fixed; bottom: 30px; right: 30px; z-index: 9999; }
    .wa-btn {
      width: 58px; height: 58px; border-radius: 50%; border: none; cursor: pointer;
      background: #25d366; display: flex; align-items: center; justify-content: center;
      box-shadow: 0 4px 20px rgba(37,211,102,0.4); transition: transform 0.2s, box-shadow 0.2s;
    }
    .wa-btn:hover { transform: scale(1.1); box-shadow: 0 6px 25px rgba(37,211,102,0.55); }
    .wa-btn svg { width: 30px; height: 30px; fill: white; }
    .wa-bubble {
      position: absolute; bottom: calc(58px + 12px); right: 0;
      background: white; border-radius: 16px; width: 290px;
      box-shadow: 0 8px 40px rgba(0,0,0,0.15); overflow: hidden;
      transform: scale(0.85) translateY(10px); transform-origin: bottom right;
      opacity: 0; pointer-events: none;
      transition: opacity 0.25s ease, transform 0.25s ease;
    }
    .wa-bubble.open { opacity: 1; transform: scale(1) translateY(0); pointer-events: auto; }
    .wa-bubble-header { background: #075e54; padding: 14px 16px; display: flex; align-items: center; gap: 10px; }
    .wa-bubble-avatar { width: 40px; height: 40px; border-radius: 50%; background: #25d366; display: flex; align-items: center; justify-content: center; flex-shrink: 0; font-family: var(--serif); font-weight: 700; font-size: 1rem; color: white; }
    .wa-bubble-header-info strong { display: block; color: white; font-size: 0.88rem; }
    .wa-bubble-header-info span { color: rgba(255,255,255,0.75); font-size: 0.75rem; }
    .wa-bubble-body { padding: 14px 16px; background: #e5ddd5; }
    .wa-bubble-msg { background: white; border-radius: 0 10px 10px 10px; padding: 10px 14px; font-size: 0.88rem; line-height: 1.5; color: #303030; box-shadow: 0 1px 3px rgba(0,0,0,0.08); max-width: 220px; }
    .wa-bubble-cta { display: block; margin: 12px 16px; background: #25d366; color: white; text-align: center; border-radius: 8px; padding: 10px; font-size: 0.88rem; font-weight: 600; text-decoration: none; transition: background 0.2s; }
    .wa-bubble-cta:hover { background: #20b858; }
    .wa-close { position: absolute; top: 10px; right: 12px; background: none; border: none; color: rgba(255,255,255,0.7); font-size: 1rem; cursor: pointer; line-height: 1; }
    @media(max-width:480px){.wa-bubble{width:260px;}.wa-widget{bottom:20px;right:16px;}}