/* JMD Mortgages - Modern Website Styles */

/* Google Fonts - Inter */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700&display=swap');

/* CSS Variables - JMD Brand Colors */
:root {
    --primary-color: #1a4d8f;
    --primary-light: #2563eb;
    --primary-dark: #1e3a5f;
    --accent-color: #e07d6a;
    --accent-light: #e9968a;
    --text-dark: #1a202c;
    --text-light: #718096;
    --bg-light: #f0f5fa;
    --bg-white: #ffffff;
    --shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);
    --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -2px rgba(0, 0, 0, 0.05);
    --transition: all 0.3s ease;
}

/* Reset & Base */
*, *::before, *::after {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    scroll-padding-top: 120px;
}

body {
    font-family: 'Inter', 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
    line-height: 1.6;
    color: var(--text-dark);
    background-color: var(--bg-white);
}

/* Typography */
h1, h2, h3, h4, h5, h6 {
    font-weight: 600;
    line-height: 1.2;
    color: var(--primary-color);
}

h1 { font-size: 3rem; }
h2 { font-size: 2.25rem; }
h3 { font-size: 1.5rem; }
p { margin-bottom: 1rem; }

a {
    color: var(--primary-color);
    text-decoration: none;
    transition: var(--transition);
}

a:hover {
    color: var(--accent-color);
}

/* Container */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 1.5rem;
}

/* Header & Navigation */
header {
    background: var(--bg-white);
    box-shadow: var(--shadow);
    position: fixed;
    width: 100%;
    top: 0;
    z-index: 1000;
}

nav {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 1rem 0;
}

.logo img {
    height: 60px;
    width: auto;
}

.nav-links {
    display: flex;
    list-style: none;
    gap: 2rem;
}

.nav-links a {
    font-weight: 500;
    padding: 0.5rem 0;
    position: relative;
}

.nav-links a::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--accent-color);
    transition: var(--transition);
}

.nav-links a:hover::after {
    width: 100%;
}

.cta-button {
    background: var(--accent-color);
    color: var(--bg-white);
    padding: 0.75rem 1.5rem;
    border-radius: 5px;
    font-weight: 600;
    transition: var(--transition);
}

.cta-button:hover {
    background: var(--accent-light);
    transform: translateY(-2px);
    box-shadow: var(--shadow);
}

/* Mobile Menu */
.mobile-menu-btn {
    display: none;
    flex-direction: column;
    gap: 5px;
    cursor: pointer;
    padding: 10px;
}

.mobile-menu-btn span {
    width: 25px;
    height: 3px;
    background: var(--primary-color);
    transition: var(--transition);
}

/* Hero Section */
.hero {
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-light) 100%);
    color: var(--bg-white);
    padding: 10rem 0 6rem;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 100 100"><circle cx="50" cy="50" r="40" fill="none" stroke="rgba(255,255,255,0.05)" stroke-width="1"/></svg>');
    background-size: 100px 100px;
}

.hero-content {
    position: relative;
    z-index: 1;
}

.hero h1 {
    color: var(--bg-white);
    margin-bottom: 1.5rem;
    font-size: 3.5rem;
}

.hero p {
    font-size: 1.25rem;
    max-width: 700px;
    margin: 0 auto 2rem;
    opacity: 0.95;
}

.hero .cta-button {
    font-size: 1.1rem;
    padding: 1rem 2rem;
}

/* Section Styling */
section {
    padding: 5rem 0;
    scroll-margin-top: 100px;
}

section[id] {
    scroll-margin-top: 100px;
}

.section-title {
    text-align: center;
    margin-bottom: 3rem;
}

.section-title h2 {
    margin-bottom: 1rem;
}

.section-title p {
    color: var(--text-light);
    max-width: 600px;
    margin: 0 auto;
}

/* Services Section */
.services {
    background: var(--bg-light);
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
}

.service-card {
    background: var(--bg-white);
    padding: 2rem;
    border-radius: 10px;
    box-shadow: var(--shadow);
    transition: var(--transition);
    text-align: center;
}

.service-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
}

.service-icon {
    width: 70px;
    height: 70px;
    background: linear-gradient(135deg, var(--primary-color), var(--primary-light));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.5rem;
}

.service-icon svg {
    width: 35px;
    height: 35px;
    fill: var(--bg-white);
}

.service-card h3 {
    margin-bottom: 1rem;
}

.service-card p {
    color: var(--text-light);
    margin-bottom: 0;
}

/* About Section */
.about {
    background: var(--bg-white);
}

.about-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
}

.about-text h2 {
    margin-bottom: 1.5rem;
}

.about-text p {
    color: var(--text-light);
    margin-bottom: 1.5rem;
}

.about-features {
    list-style: none;
    margin-bottom: 2rem;
}

.about-features li {
    padding: 0.5rem 0;
    display: flex;
    align-items: center;
    gap: 0.75rem;
}

.about-features li::before {
    content: '✓';
    color: var(--accent-color);
    font-weight: bold;
}

.about-image {
    position: relative;
}

.about-image img {
    width: 100%;
    border-radius: 10px;
    box-shadow: var(--shadow-lg);
}

/* Why Choose Us */
.why-us {
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-light) 100%);
    color: var(--bg-white);
}

.why-us .section-title h2,
.why-us .section-title p {
    color: var(--bg-white);
}

.why-us-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 2rem;
}

.why-us-card {
    background: rgba(255, 255, 255, 0.1);
    padding: 2rem;
    border-radius: 10px;
    text-align: center;
    backdrop-filter: blur(10px);
    transition: var(--transition);
}

.why-us-card:hover {
    background: rgba(255, 255, 255, 0.15);
    transform: translateY(-5px);
}

.why-us-card h3 {
    color: #fff;
    margin-bottom: 1rem;
}

.why-us-card p {
    opacity: 0.9;
    margin-bottom: 0;
}

/* News & Updates Section */
.news {
    background: var(--bg-white);
}

.news-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 2rem;
}

.news-card {
    background: var(--bg-light);
    border-radius: 10px;
    padding: 2rem;
    transition: var(--transition);
    border-left: 4px solid var(--accent-color);
}

.news-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
}

.news-date {
    font-size: 0.85rem;
    color: var(--accent-color);
    font-weight: 600;
    margin-bottom: 0.75rem;
    text-transform: uppercase;
    letter-spacing: 1px;
}

.news-card h3 {
    margin-bottom: 1rem;
    font-size: 1.25rem;
}

.news-card p {
    color: var(--text-light);
    margin-bottom: 1.5rem;
}

.news-link {
    color: var(--primary-color);
    font-weight: 600;
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
}

.news-link:hover {
    color: var(--accent-color);
}

/* Contact Section */
.contact {
    background: var(--bg-light);
}

.contact-wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
}

.contact-info h2 {
    margin-bottom: 1.5rem;
}

.contact-info p {
    color: var(--text-light);
    margin-bottom: 2rem;
}

.contact-details {
    list-style: none;
}

.contact-details li {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
    margin-bottom: 1.5rem;
}

.contact-details svg {
    width: 24px;
    height: 24px;
    fill: var(--accent-color);
    flex-shrink: 0;
    margin-top: 0.25rem;
}

.contact-details strong {
    display: block;
    color: var(--primary-color);
}

.contact-form {
    background: var(--bg-white);
    padding: 2.5rem;
    border-radius: 10px;
    box-shadow: var(--shadow);
}

.form-group {
    margin-bottom: 1.5rem;
}

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

.form-group input,
.form-group textarea,
.form-group select {
    width: 100%;
    padding: 0.75rem 1rem;
    border: 1px solid #e2e8f0;
    border-radius: 5px;
    font-family: inherit;
    font-size: 1rem;
    transition: var(--transition);
}

.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
    outline: none;
    border-color: var(--primary-color);
    box-shadow: 0 0 0 3px rgba(26, 54, 93, 0.1);
}

.form-group textarea {
    resize: vertical;
    min-height: 120px;
}

.submit-btn {
    width: 100%;
    padding: 1rem;
    background: var(--accent-color);
    color: var(--bg-white);
    border: none;
    border-radius: 5px;
    font-family: inherit;
    font-size: 1rem;
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition);
}

.submit-btn:hover {
    background: var(--accent-light);
    transform: translateY(-2px);
}

/* Footer */
footer {
    background: var(--primary-color);
    color: var(--bg-white);
    padding: 3rem 0 1.5rem;
}

.footer-content {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr;
    gap: 3rem;
    margin-bottom: 2rem;
}

.footer-brand img {
    height: 50px;
    margin-bottom: 1rem;
    filter: brightness(0) invert(1);
}

.footer-brand p {
    opacity: 0.8;
    margin-bottom: 1rem;
}

.footer-links h4,
.footer-contact h4 {
    color: #fff;
    margin-bottom: 1rem;
    font-weight: 600;
}

.footer-links ul {
    list-style: none;
}

.footer-links a {
    color: rgba(255, 255, 255, 0.8);
    display: block;
    padding: 0.25rem 0;
}

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

.footer-contact p {
    opacity: 0.8;
    margin-bottom: 0.5rem;
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding-top: 1.5rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 1rem;
}

.footer-bottom p {
    opacity: 0.7;
    margin-bottom: 0;
    font-size: 0.9rem;
}

.footer-bottom a {
    color: rgba(255, 255, 255, 0.7);
}

.footer-bottom a:hover {
    color: var(--accent-color);
}

.legal-info {
    font-size: 0.85rem;
    opacity: 0.6;
}

/* Privacy Policy Page */
.privacy-hero {
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-light) 100%);
    color: var(--bg-white);
    padding: 8rem 0 3rem;
    text-align: center;
}

.privacy-hero h1 {
    color: var(--bg-white);
}

.privacy-content {
    padding: 4rem 0;
}

.privacy-content h2 {
    margin-top: 2rem;
    margin-bottom: 1rem;
    font-size: 1.5rem;
}

.privacy-content p {
    color: var(--text-light);
}

.privacy-content ul {
    list-style: disc;
    margin-left: 2rem;
    margin-bottom: 1rem;
    color: var(--text-light);
}

/* Blog Listing Page */
.blog-listing {
    padding: 4rem 0;
}

.blog-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
    gap: 2rem;
}

.blog-card {
    background: var(--bg-white);
    border-radius: 10px;
    overflow: hidden;
    box-shadow: var(--shadow);
    transition: var(--transition);
}

.blog-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
}

.blog-card-image {
    height: 200px;
    overflow: hidden;
}

.blog-card-image svg,
.blog-card-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.blog-card-content {
    padding: 1.5rem;
}

.blog-meta {
    display: flex;
    gap: 1rem;
    margin-bottom: 1rem;
    font-size: 0.85rem;
}

.blog-date {
    color: var(--text-light);
}

.blog-category {
    color: var(--accent-color);
    font-weight: 600;
}

.blog-card h2 {
    font-size: 1.25rem;
    margin-bottom: 0.75rem;
}

.blog-card h2 a {
    color: var(--primary-color);
}

.blog-card h2 a:hover {
    color: var(--accent-color);
}

.blog-card p {
    color: var(--text-light);
    margin-bottom: 1rem;
    font-size: 0.95rem;
}

.read-more {
    color: var(--primary-color);
    font-weight: 600;
}

.read-more:hover {
    color: var(--accent-color);
}

/* Blog CTA */
.blog-cta {
    background: var(--bg-light);
    padding: 4rem 0;
    text-align: center;
}

.blog-cta h2 {
    margin-bottom: 1rem;
}

.blog-cta p {
    color: var(--text-light);
    margin-bottom: 2rem;
}

/* Article Page */
.article-hero {
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-light) 100%);
    color: var(--bg-white);
    padding: 8rem 0 3rem;
    text-align: center;
}

.article-hero h1 {
    color: var(--bg-white);
    max-width: 800px;
    margin: 0 auto 1rem;
}

.article-hero .article-meta {
    margin-bottom: 1.5rem;
}

.article-hero .blog-category {
    background: rgba(255,255,255,0.2);
    padding: 0.25rem 0.75rem;
    border-radius: 20px;
    color: var(--bg-white);
}

.article-hero .blog-date {
    color: rgba(255,255,255,0.8);
}

.article-subtitle {
    font-size: 1.2rem;
    opacity: 0.9;
    max-width: 700px;
    margin: 0 auto;
}

.article-content {
    padding: 4rem 0;
}

.article-content .container {
    display: grid;
    grid-template-columns: 1fr 300px;
    gap: 4rem;
    align-items: start;
}

.article-body {
    max-width: 100%;
}

.article-body .lead {
    font-size: 1.2rem;
    color: var(--text-dark);
    line-height: 1.8;
    margin-bottom: 2rem;
}

.article-body h2 {
    margin-top: 2.5rem;
    margin-bottom: 1rem;
    font-size: 1.75rem;
}

.article-body h3 {
    margin-top: 2rem;
    margin-bottom: 0.75rem;
    font-size: 1.25rem;
}

.article-body p {
    color: var(--text-light);
    margin-bottom: 1.25rem;
    line-height: 1.8;
}

.article-body ul,
.article-body ol {
    margin-left: 1.5rem;
    margin-bottom: 1.5rem;
    color: var(--text-light);
}

.article-body li {
    margin-bottom: 0.5rem;
    line-height: 1.7;
}

.info-box {
    background: var(--bg-light);
    padding: 1.5rem;
    border-radius: 10px;
    margin: 2rem 0;
}

.info-box.highlight {
    border-left: 4px solid var(--accent-color);
}

.info-box h3 {
    margin-top: 0;
    margin-bottom: 1rem;
    font-size: 1.1rem;
}

.info-box ul {
    margin-bottom: 0;
}

.info-box p:last-child {
    margin-bottom: 0;
}

.simple-table {
    width: 100%;
    border-collapse: collapse;
}

.simple-table tr {
    border-bottom: 1px solid #e2e8f0;
}

.simple-table td {
    padding: 0.75rem 0;
    color: var(--text-light);
}

.article-cta {
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-light) 100%);
    color: var(--bg-white);
    padding: 2rem;
    border-radius: 10px;
    text-align: center;
    margin-top: 3rem;
}

.article-cta h3 {
    color: var(--bg-white);
    margin-top: 0;
}

.article-cta p {
    color: rgba(255,255,255,0.9);
    margin-bottom: 1.5rem;
}

/* Article Sidebar */
.article-sidebar {
    position: sticky;
    top: 100px;
}

.sidebar-box {
    background: var(--bg-light);
    padding: 1.5rem;
    border-radius: 10px;
    margin-bottom: 1.5rem;
}

.sidebar-box h3 {
    font-size: 1rem;
    margin-bottom: 1rem;
    color: var(--primary-color);
}

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

.sidebar-box li {
    padding: 0.5rem 0;
    border-bottom: 1px solid #e2e8f0;
    color: var(--text-light);
    font-size: 0.9rem;
}

.sidebar-box li:last-child {
    border-bottom: none;
}

.sidebar-box a {
    color: var(--primary-color);
}

.sidebar-box a:hover {
    color: var(--accent-color);
}

.contact-box {
    background: var(--primary-color);
    color: var(--bg-white);
}

.contact-box h3 {
    color: var(--bg-white);
}

.contact-box a {
    color: var(--bg-white);
    font-weight: 600;
}

/* Back Link */
.back-link {
    padding: 2rem 0;
    background: var(--bg-light);
}

.back-link a {
    color: var(--primary-color);
    font-weight: 500;
}

.back-link a:hover {
    color: var(--accent-color);
}

/* Active nav link */
.nav-links a.active {
    color: var(--accent-color);
}

/* Calculator Styles */
.calculator-tabs-section {
    padding: 3rem 0;
    background: var(--bg-light);
    min-height: 70vh;
}

.calc-tabs {
    display: flex;
    gap: 0.5rem;
    flex-wrap: wrap;
    justify-content: center;
    margin-bottom: 2rem;
}

.calc-tab {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.25rem;
    padding: 1rem 1.5rem;
    border-radius: 10px;
    background: var(--bg-white);
    border: 2px solid transparent;
    color: var(--text-dark);
    font-size: 0.85rem;
    font-weight: 500;
    cursor: pointer;
    transition: var(--transition);
    box-shadow: var(--shadow);
}

.calc-tab:hover {
    border-color: var(--primary-color);
    transform: translateY(-2px);
}

.calc-tab.active {
    background: var(--primary-color);
    color: var(--bg-white);
    border-color: var(--primary-color);
}

.tab-icon {
    font-size: 1.5rem;
}

.tab-text {
    white-space: nowrap;
}

.calc-panels {
    max-width: 900px;
    margin: 0 auto;
}

.calc-panel {
    display: none;
}

.calc-panel.active {
    display: block;
    animation: fadeIn 0.3s ease;
}

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

.calculator-section {
    padding: 4rem 0;
}

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

.calculator-card {
    background: var(--bg-white);
    border-radius: 15px;
    box-shadow: var(--shadow-lg);
    overflow: hidden;
}

.calculator-section.alt-bg .calculator-card {
    box-shadow: var(--shadow);
}

.calculator-header {
    background: linear-gradient(135deg, var(--primary-color), var(--primary-light));
    color: var(--bg-white);
    padding: 2rem;
    text-align: center;
}

.calculator-header h2 {
    color: var(--bg-white);
    margin-bottom: 0.5rem;
}

.calculator-header p {
    opacity: 0.9;
    margin-bottom: 0;
}

.calculator-body {
    padding: 2rem;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
}

.calculator-body.comparison {
    grid-template-columns: 1fr;
}

.calc-inputs {
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
}

.calc-group {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.calc-group label {
    font-weight: 500;
    color: var(--primary-color);
    font-size: 0.9rem;
}

.calc-group input,
.calc-group select {
    padding: 0.75rem 1rem;
    border: 2px solid #e2e8f0;
    border-radius: 8px;
    font-size: 1rem;
    font-family: inherit;
    transition: var(--transition);
}

.calc-group input:focus,
.calc-group select:focus {
    outline: none;
    border-color: var(--primary-color);
}

.calc-group-header {
    font-weight: 600;
    color: var(--primary-color);
    font-size: 1.1rem;
    margin-top: 1rem;
    padding-bottom: 0.5rem;
    border-bottom: 2px solid var(--primary-color);
}

.calc-btn {
    background: var(--accent-color);
    color: var(--bg-white);
    border: none;
    padding: 1rem 2rem;
    border-radius: 8px;
    font-size: 1rem;
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition);
    margin-top: 1rem;
}

.calc-btn:hover {
    background: var(--accent-light);
    transform: translateY(-2px);
}

.calc-results {
    background: var(--bg-light);
    border-radius: 10px;
    padding: 1.5rem;
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
}

.result-item {
    display: flex;
    flex-direction: column;
    gap: 0.25rem;
}

.result-item.highlight {
    background: var(--bg-white);
    padding: 1rem;
    border-radius: 8px;
    border-left: 4px solid var(--accent-color);
}

.result-label {
    font-size: 0.85rem;
    color: var(--text-light);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.result-value {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary-color);
}

.result-item.highlight .result-value {
    font-size: 2rem;
    color: var(--accent-color);
}

.result-sub {
    font-size: 0.85rem;
    color: var(--text-light);
}

.calc-disclaimer {
    padding: 1rem 2rem 2rem;
    background: #fef3cd;
    border-top: 1px solid #ffc107;
}

.calc-disclaimer p {
    margin: 0;
    font-size: 0.85rem;
    color: #856404;
}

/* Comparison specific styles */
.comparison .calc-inputs {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
}

.comparison-column {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

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

.comparison-result-column {
    background: var(--bg-white);
    padding: 1.5rem;
    border-radius: 8px;
}

.comparison-result-column h4 {
    color: var(--primary-color);
    margin-bottom: 1rem;
    text-align: center;
}

.comparison-winner {
    grid-column: 1 / -1;
    background: linear-gradient(135deg, var(--primary-color), var(--primary-light));
    color: var(--bg-white);
    padding: 1rem;
    border-radius: 8px;
    text-align: center;
}

/* Responsive Design */
@media (max-width: 992px) {
    .about-content,
    .contact-wrapper {
        grid-template-columns: 1fr;
    }

    .footer-content {
        grid-template-columns: 1fr 1fr;
    }

    h1 { font-size: 2.5rem; }
    .hero h1 { font-size: 2.75rem; }

    .article-content .container {
        grid-template-columns: 1fr;
    }

    .article-sidebar {
        position: static;
        display: grid;
        grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
        gap: 1rem;
    }

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

    .calculator-body {
        grid-template-columns: 1fr;
    }

    .comparison .calc-inputs {
        grid-template-columns: 1fr;
    }

    .comparison-results {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 768px) {
    .nav-links {
        display: none;
        position: absolute;
        top: 100%;
        left: 0;
        right: 0;
        background: var(--bg-white);
        flex-direction: column;
        padding: 1rem;
        gap: 0;
        box-shadow: var(--shadow);
    }

    .nav-links.active {
        display: flex;
    }

    .nav-links li {
        border-bottom: 1px solid var(--bg-light);
    }

    .nav-links a {
        display: block;
        padding: 1rem;
    }

    .mobile-menu-btn {
        display: flex;
    }

    .hero {
        padding: 8rem 0 4rem;
    }

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

    .hero p {
        font-size: 1rem;
    }

    section {
        padding: 3rem 0;
    }

    .footer-content {
        grid-template-columns: 1fr;
        text-align: center;
    }

    .footer-bottom {
        flex-direction: column;
        text-align: center;
    }
}

@media (max-width: 480px) {
    .services-grid,
    .why-us-grid {
        grid-template-columns: 1fr;
    }

    h1 { font-size: 2rem; }
    h2 { font-size: 1.75rem; }
}

/* Archive Layout */
.archive-layout {
    display: grid;
    grid-template-columns: 1fr 300px;
    gap: 3rem;
    align-items: start;
}

.archive-articles {
    display: flex;
    flex-direction: column;
    gap: 2rem;
}

.archive-articles .section-title {
    margin-bottom: 0.5rem;
    font-size: 1.5rem;
}

.archive-articles .blog-card {
    display: grid;
    grid-template-columns: 200px 1fr;
    background: var(--bg-white);
    border-radius: 10px;
    overflow: hidden;
    box-shadow: var(--shadow);
    transition: var(--transition);
}

.archive-articles .blog-card:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-lg);
}

.archive-articles .blog-card[id] {
    scroll-margin-top: 100px;
}

.archive-articles .blog-card-image {
    height: 100%;
    min-height: 150px;
}

.archive-articles .blog-card-image svg {
    height: 100%;
    object-fit: cover;
}

.archive-articles .blog-card-content {
    padding: 1.25rem;
}

.archive-articles .blog-card h3 {
    font-size: 1.1rem;
    margin-bottom: 0.5rem;
}

.archive-articles .blog-card p {
    font-size: 0.9rem;
    margin-bottom: 0.75rem;
    display: -webkit-box;
    -webkit-line-clamp: 2;
    -webkit-box-orient: vertical;
    overflow: hidden;
}

/* Archive Sidebar */
.archive-sidebar {
    position: sticky;
    top: 100px;
}

.archive-list {
    list-style: none;
    margin: 0;
    padding: 0;
}

.archive-list li {
    padding: 0.5rem 0;
    border-bottom: 1px solid #e2e8f0;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.archive-list li:last-child {
    border-bottom: none;
}

.archive-list li.current a {
    color: var(--accent-color);
    font-weight: 600;
}

.archive-list span {
    font-size: 0.8rem;
    color: var(--text-light);
    background: #e2e8f0;
    padding: 0.15rem 0.5rem;
    border-radius: 10px;
}

/* Responsive Archive */
@media (max-width: 992px) {
    .archive-layout {
        grid-template-columns: 1fr;
    }

    .archive-sidebar {
        position: static;
        display: grid;
        grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
        gap: 1rem;
    }
}

@media (max-width: 768px) {
    .archive-articles .blog-card {
        grid-template-columns: 1fr;
    }

    .archive-articles .blog-card-image {
        height: 150px;
    }
}

/* Enhanced Hero Section */
.hero-tagline {
    font-size: 1.1rem;
    text-transform: uppercase;
    letter-spacing: 3px;
    margin-bottom: 0.5rem;
    opacity: 0.9;
}

.hero-subtitle {
    font-size: 1.25rem;
    margin-bottom: 2rem;
    opacity: 0.95;
}

.hero-ctas {
    display: flex;
    gap: 1rem;
    justify-content: center;
    flex-wrap: wrap;
    margin-bottom: 2.5rem;
}

.cta-outline {
    background: transparent;
    border: 2px solid var(--bg-white);
    color: var(--bg-white);
}

.cta-button.cta-outline.dark {
    background: transparent;
    border: 2px solid var(--primary-color);
    color: var(--primary-color);
}

.cta-button.cta-outline.dark:hover {
    background: var(--primary-color);
    color: var(--bg-white);
}

.cta-outline:hover {
    background: var(--bg-white);
    color: var(--primary-color);
}

.hero-stats {
    display: flex;
    gap: 3rem;
    justify-content: center;
    flex-wrap: wrap;
    padding-top: 2rem;
    border-top: 1px solid rgba(255,255,255,0.2);
}

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

.stat-number {
    display: block;
    font-size: 2rem;
    font-weight: 700;
}

.stat-label {
    font-size: 0.9rem;
    opacity: 0.8;
}

/* Lender Logos Section */
.lenders {
    padding: 2rem 0;
    background: var(--bg-light);
}

.lenders-title {
    text-align: center;
    color: var(--text-light);
    font-size: 0.9rem;
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 1.5rem;
}

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

.lender-logo {
    width: 100px;
    opacity: 0.8;
    transition: var(--transition);
}

.lender-logo:hover {
    opacity: 1;
    transform: scale(1.05);
}

/* How It Works Section */
.how-it-works {
    padding: 5rem 0;
    background: var(--bg-light);
}

.steps-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 2rem;
    margin-top: 3rem;
}

.step-card {
    text-align: center;
    position: relative;
}

.step-number {
    width: 60px;
    height: 60px;
    background: var(--accent-color);
    color: var(--bg-white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: 700;
    margin: 0 auto 1.5rem;
}

.step-card h3 {
    margin-bottom: 0.75rem;
    font-size: 1.1rem;
}

.step-card p {
    color: var(--text-light);
    font-size: 0.95rem;
}

/* Connector line between steps */
.step-card:not(:last-child)::after {
    content: '';
    position: absolute;
    top: 30px;
    left: calc(50% + 40px);
    width: calc(100% - 80px);
    height: 2px;
    background: var(--accent-color);
    opacity: 0.3;
}

/* Reviews Section */
.reviews-section {
    padding: 5rem 0;
    background: var(--bg-white);
}

.google-review-box {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 2rem;
    background: var(--bg-light);
    padding: 3rem;
    border-radius: 15px;
    max-width: 600px;
    margin: 3rem auto 0;
    text-align: center;
    flex-direction: column;
}

.google-logo {
    flex-shrink: 0;
}

.google-review-content h3 {
    margin-bottom: 0.5rem;
}

.google-review-content p {
    color: var(--text-light);
    margin-bottom: 1.5rem;
}

/* FAQ Section */
.faq {
    padding: 5rem 0;
    background: var(--bg-light);
}

.faq-grid {
    max-width: 800px;
    margin: 3rem auto 0;
}

.faq-item {
    background: var(--bg-white);
    border-radius: 10px;
    margin-bottom: 1rem;
    overflow: hidden;
    box-shadow: var(--shadow);
}

.faq-question {
    width: 100%;
    padding: 1.25rem 1.5rem;
    background: none;
    border: none;
    text-align: left;
    font-size: 1rem;
    font-weight: 600;
    color: var(--primary-color);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-family: inherit;
}

.faq-question:hover {
    background: var(--bg-light);
}

.faq-icon {
    font-size: 1.5rem;
    font-weight: 400;
    color: var(--accent-color);
    transition: var(--transition);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease, padding 0.3s ease;
}

.faq-answer p {
    padding: 0 1.5rem 1.25rem;
    color: var(--text-light);
    line-height: 1.7;
    margin: 0;
}

.faq-item.open .faq-answer {
    max-height: 300px;
}

.faq-item.open .faq-icon {
    transform: rotate(45deg);
}

/* Accreditation Badges */
.accreditations {
    display: flex;
    gap: 1rem;
    margin-top: 1.5rem;
    flex-wrap: wrap;
}

.badge {
    background: var(--bg-light);
    color: var(--primary-color);
    padding: 0.5rem 1rem;
    border-radius: 5px;
    font-size: 0.85rem;
    font-weight: 600;
    border: 1px solid var(--primary-color);
}

.badge-small {
    background: rgba(255,255,255,0.1);
    color: var(--bg-white);
    padding: 0.25rem 0.75rem;
    border-radius: 4px;
    font-size: 0.75rem;
    border: 1px solid rgba(255,255,255,0.3);
}

.footer-accreditations {
    margin-top: 1rem;
}

/* Contact Map */
.contact-map {
    margin-top: 1.5rem;
}

/* News CTA */
.news-cta {
    text-align: center;
    margin-top: 2rem;
}

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

.news-cta .cta-outline:hover {
    background: var(--primary-color);
    color: var(--bg-white);
}

/* Responsive Improvements */
@media (max-width: 992px) {
    .steps-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .step-card:not(:last-child)::after {
        display: none;
    }

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

    .hero-stats {
        gap: 2rem;
    }
}

@media (max-width: 768px) {
    .steps-grid {
        grid-template-columns: 1fr;
    }

    .hero-ctas {
        flex-direction: column;
        align-items: center;
    }

    .hero-ctas .cta-button {
        width: 100%;
        max-width: 280px;
    }

    .lenders-grid {
        gap: 0.75rem;
    }

    .lender-logo {
        width: 80px;
    }
}

@media (max-width: 480px) {
    .hero-stats {
        gap: 1.5rem;
    }

    .stat-number {
        font-size: 1.5rem;
    }
}

/* ===== Social Media Icons ===== */
.social-links {
    display: flex;
    gap: 1rem;
    margin-top: 1.5rem;
}

.social-links a {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 40px;
    height: 40px;
    background: rgba(255, 255, 255, 0.1);
    border-radius: 50%;
    color: white;
    transition: var(--transition);
}

.social-links a:hover {
    background: var(--accent-color);
    transform: translateY(-3px);
}

.social-links svg {
    width: 20px;
    height: 20px;
}

/* ===== News Feed Styles ===== */
.news-feed-section {
    padding: 4rem 0;
    background: var(--bg-light);
}

.news-feed-section h2 {
    margin-bottom: 0.5rem;
}

.news-feed-section .section-subtitle {
    color: var(--text-light);
    margin-bottom: 2rem;
}

#news-feed {
    display: grid;
    gap: 1rem;
}

.feed-item {
    background: var(--bg-white);
    padding: 1.25rem;
    border-radius: 8px;
    box-shadow: var(--shadow);
    transition: var(--transition);
    border-left: 3px solid var(--primary-color);
}

.feed-item:hover {
    transform: translateX(5px);
    box-shadow: var(--shadow-lg);
}

.feed-meta {
    display: flex;
    gap: 1rem;
    margin-bottom: 0.5rem;
    font-size: 0.8rem;
}

.feed-category {
    background: var(--primary-color);
    color: white;
    padding: 0.2rem 0.5rem;
    border-radius: 4px;
    font-weight: 500;
}

.feed-date {
    color: var(--text-light);
}

.feed-item h4 {
    font-size: 1rem;
    margin-bottom: 0.25rem;
    line-height: 1.4;
}

.feed-item h4 a {
    color: var(--text-dark);
    text-decoration: none;
    transition: var(--transition);
}

.feed-item h4 a:hover {
    color: var(--primary-color);
}

.feed-source {
    font-size: 0.8rem;
    color: var(--text-light);
    margin: 0;
}

.feed-loading, .feed-error {
    text-align: center;
    padding: 2rem;
    color: var(--text-light);
}

@media (max-width: 768px) {
    .news-feed-section {
        padding: 3rem 0;
    }

    .feed-item {
        padding: 1rem;
    }
}