/* ==========================================================================
   emcloanexpert.com — Components
   ========================================================================== */

/* ---------- Buttons ---------- */
.btn-primary, .btn-secondary, .btn-outline-white {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 14px;
  padding: 14px 28px;
  border-radius: var(--radius);
  border: 2px solid transparent;
  white-space: nowrap;
  transition: background-color .15s ease, color .15s ease, border-color .15s ease, transform .1s ease;
}

.btn-primary {
  background: var(--gold);
  color: var(--navy);
}
.btn-primary:hover { background: var(--gold-hover); }
.btn-primary:active { transform: translateY(1px); }

.btn-secondary {
  background: transparent;
  border-color: var(--navy);
  color: var(--navy);
}
.btn-secondary:hover { background: var(--navy); color: var(--white); }

.btn-outline-white {
  background: transparent;
  border-color: rgba(255,255,255,0.5);
  color: var(--white);
}
.btn-outline-white:hover { border-color: var(--white); background: rgba(255,255,255,0.08); }

.btn-block { width: 100%; }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--navy);
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  min-height: 76px;
  padding: 14px 0;
}

.logo {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 21px;
  color: var(--white);
  letter-spacing: 0.01em;
  white-space: nowrap;
}
.logo span {
  display: block;
  font-family: var(--font-body);
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
  white-space: nowrap;
}

.btn-phone-header .phone-short { display: none; }

@media (max-width: 480px) {
  .logo { font-size: 16px; }
  .logo span { font-size: 8px; letter-spacing: 0.05em; }
  .header-actions { gap: 8px; }
  .header-actions .btn-primary { padding: 12px 14px; font-size: 13px; }
  .btn-phone-header .phone-full { display: none; }
  .btn-phone-header .phone-short { display: inline; }
}

.main-nav {
  display: none;
  gap: 32px;
  align-items: center;
}
.main-nav a {
  color: var(--white);
  font-size: 15px;
  font-weight: 500;
  opacity: 0.88;
}
.main-nav a:hover { opacity: 1; color: var(--gold); }

.header-actions { display: flex; align-items: center; gap: 16px; }

.nav-toggle {
  display: inline-flex;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 40px;
  height: 40px;
  background: transparent;
  border: none;
  padding: 0;
}
.nav-toggle span {
  display: block;
  height: 2px;
  width: 100%;
  background: var(--white);
}

.mobile-nav {
  display: none;
  flex-direction: column;
  background: var(--navy-light);
  padding: 8px 24px 20px;
}
.mobile-nav.is-open { display: flex; }
.mobile-nav a {
  color: var(--white);
  padding: 12px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  font-size: 15px;
}

@media (min-width: 960px) {
  .main-nav { display: flex; }
  .nav-toggle { display: none; }
  .mobile-nav { display: none !important; }
}

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white);
  padding: 80px 0;
}
.hero-inner {
  display: grid;
  gap: 48px;
  align-items: center;
}
@media (min-width: 900px) {
  .hero-inner { grid-template-columns: 1.15fr 0.85fr; }
}
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero .lede { color: rgba(255,255,255,0.78); margin-bottom: 32px; max-width: 540px; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 16px; margin-bottom: 28px; }

.badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(196, 154, 40, 0.14);
  border: 1px solid rgba(196, 154, 40, 0.4);
  color: var(--gold);
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.03em;
  padding: 8px 16px;
  border-radius: 999px;
}

.hero-portrait {
  display: flex;
  justify-content: center;
}
.headshot-placeholder {
  width: 280px;
  height: 280px;
  border-radius: 50%;
  border: 3px solid var(--gold);
  background: var(--navy-light);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 6px;
  color: rgba(255,255,255,0.55);
  font-family: var(--font-display);
}
.headshot-placeholder .initials {
  font-size: 56px;
  font-weight: 700;
  color: var(--white);
}
.headshot-placeholder .caption {
  font-family: var(--font-body);
  font-size: 12px;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.4);
}
.headshot-placeholder.sm { width: 200px; height: 200px; }
.headshot-placeholder.sm .initials { font-size: 40px; }

.headshot-photo {
  width: 280px;
  height: 280px;
  border-radius: 50%;
  object-fit: cover;
  border: 3px solid var(--gold);
  display: block;
}
.headshot-photo.navy-border { border-color: var(--navy); }
.headshot-photo.sm { width: 200px; height: 200px; }

/* ---------- Trust Bar ---------- */
.trust-bar {
  background: var(--off-white);
  border-bottom: 1px solid var(--border);
  padding: 32px 0;
}
.trust-item {
  text-align: center;
  padding: 0 12px;
}
.trust-item .num {
  display: block;
  font-family: var(--font-display);
  font-size: 28px;
  font-weight: 700;
  color: var(--navy);
}
.trust-item .cap {
  font-size: 13px;
  color: var(--muted);
  font-weight: 500;
}

/* ---------- Cards ---------- */
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
  transition: box-shadow .15s ease, transform .15s ease, border-color .15s ease;
}
.card:hover { box-shadow: var(--shadow); transform: translateY(-2px); border-color: rgba(196,154,40,0.35); }

.loan-card { display: flex; flex-direction: column; gap: 12px; }
.loan-card .icon {
  width: 48px; height: 48px;
  border-radius: 10px;
  background: var(--off-white);
  display: flex; align-items: center; justify-content: center;
  color: var(--gold-hover);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 20px;
}
.loan-card h3 { margin-bottom: 0; }
.loan-card p { color: var(--muted); font-size: 15px; }
.loan-card .card-link {
  margin-top: auto;
  font-size: 14px;
  font-weight: 600;
  color: var(--gold-hover);
}
.loan-card .card-link::after { content: ' \2192'; }

/* ---------- Recently Funded Cards ---------- */
.funded-card { text-align: center; gap: 10px; display: flex; flex-direction: column; align-items: center; }
.funded-badge {
  display: inline-flex;
  background: var(--off-white);
  color: var(--gold-hover);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.03em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 999px;
}
.funded-amount {
  font-family: var(--font-display);
  font-size: 30px;
  font-weight: 700;
  color: var(--navy);
}
.funded-loc { font-size: 14px; color: var(--muted); }
.funded-outcome { font-size: 14px; font-weight: 600; color: var(--gold-hover); }
.funded-disclaimer { font-size: 12px; color: var(--muted); margin-top: 24px; }

/* ---------- Review Cards ---------- */
.review-card { display: flex; flex-direction: column; gap: 14px; }
.stars { color: var(--gold); font-size: 18px; letter-spacing: 2px; }
.review-card blockquote { font-size: 15.5px; color: var(--ink); font-style: italic; }
.review-card cite { font-style: normal; font-size: 14px; font-weight: 600; color: var(--navy); }
.review-card .review-loc { font-size: 13px; color: var(--muted); }

/* ---------- About Teaser ---------- */
.about-teaser { display: grid; gap: 48px; align-items: center; }
@media (min-width: 900px) { .about-teaser { grid-template-columns: 0.9fr 1.1fr; } }

/* ---------- Contact CTA Band ---------- */
.contact-cta { padding: 80px 0; }
.contact-cta-inner { display: grid; gap: 48px; align-items: start; }
@media (min-width: 900px) { .contact-cta-inner { grid-template-columns: 1fr 1fr; align-items: center; } }
.contact-cta .phone-huge {
  font-family: var(--font-display);
  font-size: 44px;
  font-weight: 700;
  color: var(--white);
}
.contact-cta .phone-huge a { color: var(--gold); }

/* ---------- Forms ---------- */
.form-group { margin-bottom: 20px; }
.form-group label {
  display: block;
  font-size: 13px;
  font-weight: 500;
  margin-bottom: 6px;
  color: var(--navy);
}
.bg-navy .form-group label,
.contact-cta .form-group label { color: var(--white); }

.form-group input[type="text"],
.form-group input[type="tel"],
.form-group input[type="email"],
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 13px 14px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--white);
  color: var(--ink);
  font-size: 15px;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(196,154,40,0.18);
}

.form-consent {
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
.form-consent input { margin-top: 4px; }
.form-consent label { font-size: 13px; color: var(--muted); font-weight: 400; }
.bg-navy .form-consent label,
.contact-cta .form-consent label { color: rgba(255,255,255,0.7); }

.form-note {
  font-size: 13px;
  color: var(--muted);
  margin-top: 12px;
  text-align: center;
}
.bg-navy .form-note,
.contact-cta .form-note { color: rgba(255,255,255,0.6); }

.form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-lg);
}

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: rgba(255,255,255,0.75); }
.footer-grid {
  display: grid;
  gap: 40px;
  padding: 64px 0 40px;
}
@media (min-width: 760px) {
  .footer-grid { grid-template-columns: 1.4fr 1fr 1fr 1fr; }
}
.footer-logo {
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 8px;
}
.footer-tagline { font-size: 14px; color: var(--gold); margin-bottom: 20px; }
.footer-col h4 {
  font-family: var(--font-body);
  color: var(--white);
  font-size: 13px;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.footer-col ul li { margin-bottom: 10px; }
.footer-col a { font-size: 14px; color: rgba(255,255,255,0.72); }
.footer-col a:hover { color: var(--gold); }

.social-links { display: flex; gap: 10px; }
.social-links a {
  width: 36px; height: 36px;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.2);
  display: flex; align-items: center; justify-content: center;
  font-size: 13px;
  color: var(--white);
}
.social-links a:hover { background: var(--gold); border-color: var(--gold); color: var(--navy); }

.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding: 28px 0; }
.footer-phone { font-size: 15px; color: var(--white); margin-bottom: 14px; }
.footer-phone a { color: var(--gold); font-weight: 600; }
.corporate-address { font-size: 13px; color: rgba(255,255,255,0.55); margin-bottom: 10px; }
.eho-disclosure {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 10px;
}
.eho-disclosure img { display: block; flex-shrink: 0; opacity: 0.85; }
.eho-disclosure span { font-size: 13px; color: rgba(255,255,255,0.6); }
.nmls-disclaimer {
  font-size: 12px;
  line-height: 1.6;
  color: rgba(255,255,255,0.5);
  max-width: 900px;
  margin-bottom: 12px;
}
.copyright { font-size: 12px; color: rgba(255,255,255,0.4); }

/* ---------- Breadcrumbs ---------- */
.breadcrumb-bar { background: var(--off-white); border-bottom: 1px solid var(--border); padding: 14px 0; }
.breadcrumb-bar ol { display: flex; flex-wrap: wrap; gap: 6px; font-size: 13px; color: var(--muted); }
.breadcrumb-bar a { color: var(--muted); }
.breadcrumb-bar a:hover { color: var(--gold-hover); }
.breadcrumb-bar li:not(:last-child)::after { content: '/'; margin-left: 6px; color: var(--border); }
.breadcrumb-bar li { display: flex; align-items: center; gap: 6px; }

/* ---------- Content blocks (loan pages) ---------- */
.page-hero { background: var(--navy); color: var(--white); padding: 56px 0; }
.page-hero h1 { color: var(--white); margin-bottom: 12px; }
.page-hero p { color: rgba(255,255,255,0.75); max-width: 620px; }

.prose h2 { margin: 40px 0 16px; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin: 28px 0 12px; }
.prose p { margin-bottom: 16px; color: var(--ink); }
.prose ul { margin-bottom: 16px; }
.prose li {
  position: relative;
  padding-left: 26px;
  margin-bottom: 10px;
  color: var(--ink);
}
.prose li::before {
  content: '';
  position: absolute;
  left: 0; top: 9px;
  width: 8px; height: 8px;
  border-radius: 2px;
  background: var(--gold);
}

.two-col-content { display: grid; gap: 48px; }
@media (min-width: 960px) { .two-col-content { grid-template-columns: 2fr 1fr; } }

.side-cta {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  position: sticky;
  top: 96px;
  height: fit-content;
}
.side-cta h3 { margin-bottom: 10px; }
.side-cta p { color: var(--muted); font-size: 14px; margin-bottom: 18px; }
.side-cta .side-phone {
  display: block;
  font-family: var(--font-display);
  font-size: 24px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 16px;
}
.side-cta ul { margin-top: 20px; }
.side-cta ul li { font-size: 14px; margin-bottom: 8px; }
.side-cta ul a { color: var(--muted); }
.side-cta ul a:hover { color: var(--gold-hover); }

/* ---------- FAQ ---------- */
.faq-item {
  border-bottom: 1px solid var(--border);
  padding: 22px 0;
}
.faq-item h3 { margin-bottom: 10px; font-size: 18px; }
.faq-item p { color: var(--muted); font-size: 15px; margin-bottom: 0; }

/* ---------- Bottom CTA band ---------- */
.cta-band {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white);
  padding: 64px 0;
  text-align: center;
}
.cta-band h2 { color: var(--white); margin-bottom: 12px; }
.cta-band p { color: rgba(255,255,255,0.75); margin-bottom: 28px; }
.cta-band .cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ---------- Loan hub grid ---------- */
.loan-index-card { display: flex; flex-direction: column; gap: 10px; height: 100%; }

/* ---------- Licenses table ---------- */
.license-table { width: 100%; border-collapse: collapse; margin: 24px 0 40px; }
.license-table th, .license-table td {
  text-align: left;
  padding: 14px 16px;
  border-bottom: 1px solid var(--border);
  font-size: 15px;
}
.license-table th {
  font-size: 13px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--muted);
  font-weight: 500;
}
.license-table-wrap { overflow-x: auto; }

.state-grid { margin: 24px 0 20px; }
.state-card {
  display: block;
  background: var(--navy);
  color: var(--white);
  border-radius: 10px;
  padding: 18px 12px;
  text-align: center;
  transition: transform .15s ease, box-shadow .15s ease;
}
.state-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.state-card .state-name {
  display: block;
  font-weight: 600;
  font-size: 15px;
  margin-bottom: 6px;
  color: var(--white);
}
.state-card .state-nmls {
  display: block;
  font-size: 12px;
  color: var(--gold);
}

/* ---------- Thank you ---------- */
.thankyou-hero {
  padding: 120px 0;
  text-align: center;
  background: var(--off-white);
}
.thankyou-icon {
  width: 84px; height: 84px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 28px;
  font-size: 36px;
}