/* ==========================================================================
   ReverseReady — Complete Stylesheet
   Design: Warm trust — deep teal + gold accents, senior-friendly typography
   ========================================================================== */

/* ---------------------------------------------------------------------------
   Design Tokens
   --------------------------------------------------------------------------- */
:root {
    /* Primary palette — deep teal conveys stability and trust */
    --color-primary: #1a5c5e;
    --color-primary-dark: #134345;
    --color-primary-light: #e8f4f4;
    --color-primary-rgb: 26, 92, 94;

    /* Accent — warm gold suggests home value and security */
    --color-accent: #c8902e;
    --color-accent-dark: #a6751f;
    --color-accent-light: #fdf4e6;

    /* Neutrals */
    --color-bg: #ffffff;
    --color-bg-alt: #f7f5f2;
    --color-bg-warm: #faf8f5;
    --color-text: #2d3436;
    --color-text-muted: #636e72;
    --color-text-light: #b2bec3;
    --color-border: #dfe6e9;
    --color-border-light: #eef1f3;

    /* Semantic */
    --color-success: #27ae60;
    --color-warning: #e67e22;
    --color-error: #c0392b;

    /* Typography — larger base for 62+ audience */
    --font-body: 'Georgia', 'Times New Roman', serif;
    --font-heading: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    --font-size-base: 18px;
    --font-size-sm: 16px;
    --font-size-xs: 14px;
    --font-size-lg: 20px;
    --font-size-xl: 24px;
    --line-height: 1.75;

    /* Spacing */
    --space-xs: 8px;
    --space-sm: 16px;
    --space-md: 24px;
    --space-lg: 40px;
    --space-xl: 64px;
    --space-xxl: 96px;

    /* Layout */
    --max-width: 1200px;
    --content-width: 800px;
    --radius: 8px;
    --radius-lg: 16px;
    --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
    --shadow-md: 0 4px 12px rgba(0,0,0,0.1);
    --shadow-lg: 0 8px 30px rgba(0,0,0,0.12);
    --shadow-card: 0 2px 8px rgba(0,0,0,0.06), 0 0 1px rgba(0,0,0,0.1);
    --transition: 0.25s ease;
}

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

html {
    font-size: var(--font-size-base);
    scroll-behavior: smooth;
    -webkit-text-size-adjust: 100%;
}

body {
    font-family: var(--font-body);
    color: var(--color-text);
    background: var(--color-bg);
    line-height: var(--line-height);
    -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--color-primary); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--color-primary-dark); }

h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-heading);
    color: var(--color-text);
    line-height: 1.3;
    font-weight: 700;
}

h1 { font-size: 2.4rem; margin-bottom: var(--space-md); }
h2 { font-size: 1.8rem; margin-bottom: var(--space-sm); }
h3 { font-size: 1.35rem; margin-bottom: var(--space-sm); }
h4 { font-size: 1.1rem; margin-bottom: var(--space-xs); }

p { margin-bottom: var(--space-sm); }
ul, ol { margin-bottom: var(--space-sm); padding-left: var(--space-md); }
li { margin-bottom: var(--space-xs); }

/* ---------------------------------------------------------------------------
   Layout Utilities
   --------------------------------------------------------------------------- */
.container {
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 var(--space-md);
}

.container--narrow {
    max-width: var(--content-width);
    margin: 0 auto;
    padding: 0 var(--space-md);
}

.section {
    padding: var(--space-xl) 0;
}

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

.section--warm {
    background: var(--color-bg-warm);
}

.section--primary {
    background: var(--color-primary);
    color: #fff;
}

.section--primary h2,
.section--primary h3,
.section--primary h4 {
    color: #fff;
}

.section__header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto var(--space-lg);
}

.section__header p {
    color: var(--color-text-muted);
    font-size: var(--font-size-lg);
}

.section--primary .section__header p {
    color: rgba(255,255,255,0.85);
}

/* ---------------------------------------------------------------------------
   Navigation
   --------------------------------------------------------------------------- */
.site-header {
    background: #fff;
    border-bottom: 1px solid var(--color-border);
    position: sticky;
    top: 0;
    z-index: 1000;
    box-shadow: var(--shadow-sm);
}

.site-nav {
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 var(--space-md);
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 72px;
}

.nav-logo {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--color-primary);
    text-decoration: none;
    display: flex;
    align-items: center;
    gap: var(--space-xs);
}

.nav-logo:hover { color: var(--color-primary-dark); }

.nav-logo svg {
    width: 32px;
    height: 32px;
    flex-shrink: 0;
}

.nav-tagline {
    display: none;
    font-family: var(--font-body);
    font-size: var(--font-size-xs);
    color: var(--color-text-muted);
    font-weight: 400;
    margin-left: var(--space-sm);
    font-style: italic;
}

.nav-menu {
    display: flex;
    align-items: center;
    list-style: none;
    gap: var(--space-xs);
    padding: 0;
    margin: 0;
}

.nav-menu li { margin: 0; }

.nav-menu a {
    font-family: var(--font-heading);
    font-size: var(--font-size-sm);
    font-weight: 500;
    color: var(--color-text);
    padding: var(--space-xs) 12px;
    border-radius: var(--radius);
    transition: all var(--transition);
    text-decoration: none;
}

.nav-menu a:hover {
    color: var(--color-primary);
    background: var(--color-primary-light);
}

.nav-menu a.active {
    color: var(--color-primary);
    font-weight: 600;
}

.nav-cta {
    background: var(--color-accent) !important;
    color: #fff !important;
    padding: 10px 20px !important;
    border-radius: 50px !important;
    font-weight: 600 !important;
    white-space: nowrap;
}

.nav-cta:hover {
    background: var(--color-accent-dark) !important;
    color: #fff !important;
}

.nav-toggle {
    display: none;
    background: none;
    border: none;
    font-size: 1.5rem;
    color: var(--color-text);
    cursor: pointer;
    padding: var(--space-xs);
    line-height: 1;
}

/* ---------------------------------------------------------------------------
   Buttons
   --------------------------------------------------------------------------- */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: var(--space-xs);
    font-family: var(--font-heading);
    font-size: var(--font-size-base);
    font-weight: 600;
    padding: 14px 32px;
    border-radius: 50px;
    border: 2px solid transparent;
    cursor: pointer;
    text-decoration: none;
    transition: all var(--transition);
    white-space: nowrap;
    line-height: 1.4;
}

.btn--primary {
    background: var(--color-primary);
    color: #fff;
}
.btn--primary:hover {
    background: var(--color-primary-dark);
    color: #fff;
    transform: translateY(-1px);
    box-shadow: var(--shadow-md);
}

.btn--accent {
    background: var(--color-accent);
    color: #fff;
}
.btn--accent:hover {
    background: var(--color-accent-dark);
    color: #fff;
    transform: translateY(-1px);
    box-shadow: var(--shadow-md);
}

.btn--outline {
    background: transparent;
    border-color: var(--color-primary);
    color: var(--color-primary);
}
.btn--outline:hover {
    background: var(--color-primary);
    color: #fff;
    transform: translateY(-1px);
}

.btn--outline-white {
    background: transparent;
    border-color: #fff;
    color: #fff;
}
.btn--outline-white:hover {
    background: #fff;
    color: var(--color-primary);
    transform: translateY(-1px);
}

.btn--white {
    background: #fff;
    color: var(--color-primary);
}
.btn--white:hover {
    background: var(--color-primary-light);
    color: var(--color-primary-dark);
    transform: translateY(-1px);
    box-shadow: var(--shadow-md);
}

.btn--lg {
    padding: 18px 40px;
    font-size: var(--font-size-lg);
}

.btn--sm {
    padding: 10px 22px;
    font-size: var(--font-size-sm);
}

.btn-group {
    display: flex;
    flex-wrap: wrap;
    gap: var(--space-sm);
    align-items: center;
}

/* ---------------------------------------------------------------------------
   Hero
   --------------------------------------------------------------------------- */
.hero {
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
    color: #fff;
    padding: var(--space-xxl) 0;
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: 0; right: 0; bottom: 0; left: 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");
    pointer-events: none;
}

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

.hero__content {
    max-width: 680px;
}

.hero__badge {
    display: inline-block;
    background: rgba(255,255,255,0.15);
    color: rgba(255,255,255,0.95);
    font-family: var(--font-heading);
    font-size: var(--font-size-xs);
    font-weight: 600;
    padding: 6px 16px;
    border-radius: 50px;
    margin-bottom: var(--space-md);
    letter-spacing: 0.5px;
    text-transform: uppercase;
}

.hero h1 {
    color: #fff;
    font-size: 3rem;
    line-height: 1.15;
    margin-bottom: var(--space-md);
}

.hero__subtitle {
    font-size: 1.25rem;
    color: rgba(255,255,255,0.9);
    line-height: 1.7;
    margin-bottom: var(--space-lg);
    max-width: 580px;
}

.hero .btn-group {
    margin-bottom: var(--space-lg);
}

.hero__stats {
    display: flex;
    gap: var(--space-lg);
    padding-top: var(--space-md);
    border-top: 1px solid rgba(255,255,255,0.2);
}

.hero__stat {
    text-align: left;
}

.hero__stat-value {
    font-family: var(--font-heading);
    font-size: 1.8rem;
    font-weight: 800;
    color: var(--color-accent);
    line-height: 1.2;
}

.hero__stat-label {
    font-size: var(--font-size-sm);
    color: rgba(255,255,255,0.7);
}

/* Hero — page-level (smaller, for inner pages) */
.hero--page {
    padding: var(--space-xl) 0 var(--space-lg);
}

.hero--page h1 {
    font-size: 2.2rem;
    margin-bottom: var(--space-sm);
}

.hero--page .hero__subtitle {
    margin-bottom: 0;
}

/* ---------------------------------------------------------------------------
   Cards
   --------------------------------------------------------------------------- */
.card {
    background: #fff;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-card);
    overflow: hidden;
    transition: all var(--transition);
    height: 100%;
    display: flex;
    flex-direction: column;
}

.card:hover {
    box-shadow: var(--shadow-md);
    transform: translateY(-3px);
}

.card__image {
    width: 100%;
    height: 200px;
    object-fit: cover;
}

.card__body {
    padding: var(--space-md);
    flex: 1;
    display: flex;
    flex-direction: column;
}

.card__tag {
    display: inline-block;
    font-family: var(--font-heading);
    font-size: var(--font-size-xs);
    font-weight: 600;
    color: var(--color-primary);
    background: var(--color-primary-light);
    padding: 4px 12px;
    border-radius: 50px;
    margin-bottom: var(--space-sm);
    width: fit-content;
}

.card__title {
    font-size: 1.2rem;
    margin-bottom: var(--space-xs);
}

.card__title a {
    color: var(--color-text);
    text-decoration: none;
}
.card__title a:hover {
    color: var(--color-primary);
}

.card__text {
    color: var(--color-text-muted);
    font-size: var(--font-size-sm);
    flex: 1;
}

.card__link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-family: var(--font-heading);
    font-size: var(--font-size-sm);
    font-weight: 600;
    color: var(--color-primary);
    margin-top: var(--space-sm);
}

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

.card__link::after {
    content: '\2192';
    transition: transform var(--transition);
}

.card__link:hover::after {
    transform: translateX(4px);
}

/* Card grid */
.card-grid {
    display: grid;
    gap: var(--space-md);
}

.card-grid--2 { grid-template-columns: repeat(2, 1fr); }
.card-grid--3 { grid-template-columns: repeat(3, 1fr); }
.card-grid--4 { grid-template-columns: repeat(4, 1fr); }

/* ---------------------------------------------------------------------------
   Feature / Icon Cards (no image)
   --------------------------------------------------------------------------- */
.feature-card {
    background: #fff;
    border-radius: var(--radius-lg);
    padding: var(--space-lg);
    box-shadow: var(--shadow-card);
    transition: all var(--transition);
    text-align: center;
}

.feature-card:hover {
    box-shadow: var(--shadow-md);
    transform: translateY(-2px);
}

.feature-card__icon {
    width: 64px;
    height: 64px;
    margin: 0 auto var(--space-sm);
    background: var(--color-primary-light);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.6rem;
}

.feature-card__title {
    font-size: 1.15rem;
    margin-bottom: var(--space-xs);
}

.feature-card__text {
    color: var(--color-text-muted);
    font-size: var(--font-size-sm);
}

/* ---------------------------------------------------------------------------
   Steps / How It Works
   --------------------------------------------------------------------------- */
.steps {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-lg);
    counter-reset: step;
}

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

.step__number {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    background: var(--color-accent);
    color: #fff;
    font-family: var(--font-heading);
    font-size: 1.4rem;
    font-weight: 800;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto var(--space-sm);
}

.step__title {
    font-size: 1.15rem;
    margin-bottom: var(--space-xs);
}

.step__text {
    color: var(--color-text-muted);
    font-size: var(--font-size-sm);
}

/* ---------------------------------------------------------------------------
   Trust Bar
   --------------------------------------------------------------------------- */
.trust-bar {
    display: flex;
    justify-content: center;
    flex-wrap: wrap;
    gap: var(--space-lg);
    padding: var(--space-md) 0;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: var(--space-xs);
    font-family: var(--font-heading);
    font-size: var(--font-size-sm);
    color: var(--color-text-muted);
    white-space: nowrap;
}

.trust-item svg {
    width: 20px;
    height: 20px;
    flex-shrink: 0;
    color: var(--color-accent);
}

/* ---------------------------------------------------------------------------
   CTA Banner
   --------------------------------------------------------------------------- */
.cta-banner {
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
    color: #fff;
    border-radius: var(--radius-lg);
    padding: var(--space-xl) var(--space-lg);
    text-align: center;
    position: relative;
    overflow: hidden;
}

.cta-banner::before {
    content: '';
    position: absolute;
    top: -50%; right: -10%;
    width: 300px; height: 300px;
    background: rgba(255,255,255,0.05);
    border-radius: 50%;
    pointer-events: none;
}

.cta-banner h2 { color: #fff; margin-bottom: var(--space-sm); }
.cta-banner p { color: rgba(255,255,255,0.9); font-size: var(--font-size-lg); margin-bottom: var(--space-md); }

/* ---------------------------------------------------------------------------
   FAQ / Accordion
   --------------------------------------------------------------------------- */
.faq-list {
    max-width: var(--content-width);
    margin: 0 auto;
}

.faq-item {
    border-bottom: 1px solid var(--color-border);
}

.faq-question {
    width: 100%;
    background: none;
    border: none;
    text-align: left;
    padding: var(--space-md) 0;
    font-family: var(--font-heading);
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--color-text);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: var(--space-sm);
    line-height: 1.4;
}

.faq-question:hover { color: var(--color-primary); }

.faq-question::after {
    content: '+';
    font-size: 1.5rem;
    font-weight: 300;
    color: var(--color-primary);
    flex-shrink: 0;
    transition: transform var(--transition);
}

.faq-item.open .faq-question::after {
    content: '\2212';
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s ease, padding 0.35s ease;
}

.faq-item.open .faq-answer {
    max-height: 500px;
    padding-bottom: var(--space-md);
}

.faq-answer p {
    color: var(--color-text-muted);
    font-size: var(--font-size-base);
}

/* ---------------------------------------------------------------------------
   Testimonial / Quote
   --------------------------------------------------------------------------- */
.testimonial {
    background: #fff;
    border-radius: var(--radius-lg);
    padding: var(--space-lg);
    box-shadow: var(--shadow-card);
    border-left: 4px solid var(--color-accent);
    position: relative;
}

.testimonial__quote {
    font-size: var(--font-size-lg);
    font-style: italic;
    color: var(--color-text);
    margin-bottom: var(--space-sm);
    line-height: 1.7;
}

.testimonial__author {
    font-family: var(--font-heading);
    font-size: var(--font-size-sm);
    font-weight: 600;
    color: var(--color-text-muted);
}

/* ---------------------------------------------------------------------------
   Article Content
   --------------------------------------------------------------------------- */
.article {
    max-width: var(--content-width);
    margin: 0 auto;
    padding: var(--space-xl) var(--space-md);
}

.article h1 {
    font-size: 2.2rem;
    margin-bottom: var(--space-sm);
}

.article__meta {
    font-family: var(--font-heading);
    font-size: var(--font-size-sm);
    color: var(--color-text-muted);
    margin-bottom: var(--space-lg);
    display: flex;
    align-items: center;
    gap: var(--space-sm);
    flex-wrap: wrap;
}

.article__meta-divider {
    width: 4px;
    height: 4px;
    border-radius: 50%;
    background: var(--color-text-light);
}

.article h2 {
    margin-top: var(--space-lg);
    margin-bottom: var(--space-sm);
    padding-top: var(--space-sm);
}

.article h3 {
    margin-top: var(--space-md);
}

.article p {
    margin-bottom: var(--space-md);
}

.article img {
    border-radius: var(--radius);
    margin: var(--space-md) 0;
}

.article blockquote {
    border-left: 4px solid var(--color-accent);
    padding: var(--space-sm) var(--space-md);
    margin: var(--space-md) 0;
    background: var(--color-accent-light);
    border-radius: 0 var(--radius) var(--radius) 0;
    font-style: italic;
    color: var(--color-text-muted);
}

.article ul, .article ol {
    margin-bottom: var(--space-md);
    padding-left: var(--space-lg);
}

.article li {
    margin-bottom: var(--space-xs);
}

.article__cta {
    background: var(--color-primary-light);
    border: 1px solid rgba(var(--color-primary-rgb), 0.15);
    border-radius: var(--radius-lg);
    padding: var(--space-lg);
    text-align: center;
    margin: var(--space-lg) 0;
}

.article__cta h3 { margin-bottom: var(--space-xs); }
.article__cta p { color: var(--color-text-muted); margin-bottom: var(--space-sm); }

/* Breadcrumb */
.breadcrumb {
    font-family: var(--font-heading);
    font-size: var(--font-size-xs);
    color: var(--color-text-muted);
    padding: var(--space-sm) 0;
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 6px;
}

.breadcrumb a { color: var(--color-text-muted); }
.breadcrumb a:hover { color: var(--color-primary); }
.breadcrumb__sep { color: var(--color-text-light); }

/* ---------------------------------------------------------------------------
   Section Hub (article listing pages)
   --------------------------------------------------------------------------- */
.section-hub__intro {
    max-width: 700px;
    margin: 0 auto var(--space-lg);
    text-align: center;
}

.section-hub__intro p {
    color: var(--color-text-muted);
    font-size: var(--font-size-lg);
}

/* ---------------------------------------------------------------------------
   Contact Form
   --------------------------------------------------------------------------- */
.form-group {
    margin-bottom: var(--space-md);
}

.form-group label {
    display: block;
    font-family: var(--font-heading);
    font-size: var(--font-size-sm);
    font-weight: 600;
    color: var(--color-text);
    margin-bottom: 6px;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 14px var(--space-sm);
    font-family: var(--font-body);
    font-size: var(--font-size-base);
    color: var(--color-text);
    border: 2px solid var(--color-border);
    border-radius: var(--radius);
    transition: border-color var(--transition);
    background: #fff;
}

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

.form-group textarea {
    min-height: 150px;
    resize: vertical;
}

.form-group input.error,
.form-group textarea.error {
    border-color: var(--color-error);
}

.form-error {
    font-size: var(--font-size-xs);
    color: var(--color-error);
    margin-top: 4px;
}

.form-success {
    background: #eafaf1;
    border: 1px solid var(--color-success);
    color: #1e7e4a;
    padding: var(--space-sm) var(--space-md);
    border-radius: var(--radius);
    font-family: var(--font-heading);
    text-align: center;
}

/* ---------------------------------------------------------------------------
   Footer
   --------------------------------------------------------------------------- */
.site-footer {
    background: var(--color-text);
    color: rgba(255,255,255,0.7);
    padding: var(--space-xl) 0 var(--space-md);
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: var(--space-lg);
    margin-bottom: var(--space-lg);
}

.footer-brand {
    padding-right: var(--space-lg);
}

.footer-brand__name {
    font-family: var(--font-heading);
    font-size: 1.4rem;
    font-weight: 800;
    color: #fff;
    margin-bottom: var(--space-xs);
}

.footer-brand__tagline {
    font-style: italic;
    margin-bottom: var(--space-sm);
    font-size: var(--font-size-sm);
}

.footer-brand__text {
    font-size: var(--font-size-sm);
    line-height: 1.7;
}

.footer-col h4 {
    font-size: var(--font-size-sm);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    color: #fff;
    margin-bottom: var(--space-sm);
}

.footer-col ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.footer-col li { margin-bottom: var(--space-xs); }

.footer-col a {
    color: rgba(255,255,255,0.7);
    font-size: var(--font-size-sm);
    transition: color var(--transition);
}

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

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

.footer-bottom p {
    font-size: var(--font-size-xs);
    margin: 0;
}

.footer-disclosures {
    font-size: var(--font-size-xs);
    color: rgba(255,255,255,0.5);
    max-width: 700px;
    line-height: 1.6;
    margin-top: var(--space-sm);
}

.footer-housing {
    display: flex;
    align-items: center;
    gap: var(--space-xs);
    font-size: var(--font-size-xs);
    color: rgba(255,255,255,0.5);
}

.footer-housing svg {
    width: 24px;
    height: 24px;
    flex-shrink: 0;
}

/* ---------------------------------------------------------------------------
   Legal Pages
   --------------------------------------------------------------------------- */
.legal {
    max-width: var(--content-width);
    margin: 0 auto;
    padding: var(--space-xl) var(--space-md);
}

.legal h1 {
    font-size: 2rem;
    margin-bottom: var(--space-xs);
}

.legal__updated {
    font-size: var(--font-size-sm);
    color: var(--color-text-muted);
    margin-bottom: var(--space-lg);
}

.legal h2 {
    font-size: 1.3rem;
    margin-top: var(--space-lg);
    margin-bottom: var(--space-sm);
}

.legal p, .legal li {
    color: var(--color-text-muted);
}

.legal a {
    color: var(--color-primary);
    text-decoration: underline;
}

/* ---------------------------------------------------------------------------
   Landing Page (LP) Overrides
   --------------------------------------------------------------------------- */
.lp-header {
    background: var(--color-primary);
    padding: var(--space-sm) 0;
    text-align: center;
}

.lp-header__logo {
    font-family: var(--font-heading);
    font-size: 1.3rem;
    font-weight: 800;
    color: #fff;
    text-decoration: none;
}

.lp-hero {
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
    color: #fff;
    padding: var(--space-lg) 0;
    text-align: center;
}

.lp-hero h1 {
    color: #fff;
    font-size: 2rem;
    margin-bottom: var(--space-xs);
}

.lp-hero p {
    color: rgba(255,255,255,0.9);
    font-size: var(--font-size-lg);
}

.lp-trust {
    display: flex;
    justify-content: center;
    gap: var(--space-md);
    flex-wrap: wrap;
    margin-top: var(--space-sm);
    font-family: var(--font-heading);
    font-size: var(--font-size-xs);
    color: rgba(255,255,255,0.8);
}

.lp-form-section {
    max-width: 600px;
    margin: 0 auto;
    padding: var(--space-lg) var(--space-md);
}

.lp-footer {
    text-align: center;
    padding: var(--space-md);
    font-size: var(--font-size-xs);
    color: var(--color-text-muted);
    border-top: 1px solid var(--color-border);
}

.lp-footer a {
    color: var(--color-text-muted);
    text-decoration: underline;
}

.lp-footer__links {
    display: flex;
    justify-content: center;
    gap: var(--space-sm);
    flex-wrap: wrap;
    margin-bottom: var(--space-xs);
}

.lp-footer__copy { margin: 0; }

.lp-logo {
    font-family: var(--font-heading);
    font-size: 1.3rem;
    font-weight: 800;
    color: #fff;
    text-decoration: none;
}

.lp-hero__inner {
    max-width: 600px;
    margin: 0 auto;
    padding: 0 var(--space-md);
}

.lp-hero__title { color: #fff; font-size: 2rem; margin-bottom: var(--space-xs); }
.lp-hero__desc { color: rgba(255,255,255,0.9); font-size: var(--font-size-lg); margin: 0; }

.formstepper-wrap {
    max-width: 600px;
    margin: 0 auto;
    padding: var(--space-lg) var(--space-md);
}

/* Thank-you page */
.typ-offers,
.typ-resources {
    max-width: 700px;
    margin: 0 auto;
    padding: var(--space-lg) var(--space-md);
    text-align: center;
}

.typ-offers__heading,
.typ-resources__heading {
    font-size: 1.4rem;
    margin-bottom: var(--space-xs);
}

.typ-offers__subtext,
.typ-resources__subtext {
    color: var(--color-text-muted);
    margin-bottom: var(--space-md);
}

.typ-resources__links {
    display: flex;
    justify-content: center;
    gap: var(--space-sm);
    flex-wrap: wrap;
}

.typ-resources__btn {
    display: inline-block;
    padding: 12px 28px;
    border-radius: 50px;
    font-family: var(--font-heading);
    font-weight: 600;
    font-size: var(--font-size-sm);
    text-decoration: none;
    transition: all var(--transition);
}

.typ-resources__btn--primary {
    background: var(--color-primary);
    color: #fff;
}
.typ-resources__btn--primary:hover {
    background: var(--color-primary-dark);
    color: #fff;
}

/* ---------------------------------------------------------------------------
   Utility Classes
   --------------------------------------------------------------------------- */
.text-center { text-align: center; }
.text-muted { color: var(--color-text-muted); }
.text-primary { color: var(--color-primary); }
.text-accent { color: var(--color-accent); }
.mb-0 { margin-bottom: 0; }
.mb-sm { margin-bottom: var(--space-sm); }
.mb-md { margin-bottom: var(--space-md); }
.mb-lg { margin-bottom: var(--space-lg); }
.mt-lg { margin-top: var(--space-lg); }
.sr-only {
    position: absolute; width: 1px; height: 1px;
    padding: 0; margin: -1px; overflow: hidden;
    clip: rect(0,0,0,0); border: 0;
}

/* ---------------------------------------------------------------------------
   Responsive — Tablet
   --------------------------------------------------------------------------- */
@media (max-width: 1024px) {
    .hero h1 { font-size: 2.4rem; }
    .card-grid--4 { grid-template-columns: repeat(2, 1fr); }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .steps { grid-template-columns: 1fr; gap: var(--space-md); }
    .hero__stats { gap: var(--space-md); }
}

/* ---------------------------------------------------------------------------
   Responsive — Mobile
   --------------------------------------------------------------------------- */
@media (max-width: 768px) {
    :root {
        --font-size-base: 17px;
        --space-xl: 48px;
        --space-xxl: 64px;
    }

    h1 { font-size: 1.9rem; }
    h2 { font-size: 1.5rem; }

    /* Nav mobile */
    .nav-toggle { display: block; }

    .nav-tagline { display: none; }

    .nav-menu {
        display: none;
        position: absolute;
        top: 72px;
        left: 0; right: 0;
        background: #fff;
        flex-direction: column;
        padding: var(--space-sm);
        border-bottom: 1px solid var(--color-border);
        box-shadow: var(--shadow-md);
        gap: 0;
    }

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

    .nav-menu a {
        padding: 12px var(--space-sm);
        font-size: var(--font-size-base);
        display: block;
    }

    .nav-cta {
        text-align: center;
        margin: var(--space-xs) 0;
    }

    /* Hero mobile */
    .hero { padding: var(--space-xl) 0; }
    .hero h1 { font-size: 2rem; }
    .hero__subtitle { font-size: 1.1rem; }
    .hero__stats { flex-direction: column; gap: var(--space-sm); }

    /* Cards */
    .card-grid--2,
    .card-grid--3,
    .card-grid--4 { grid-template-columns: 1fr; }

    /* Footer */
    .footer-grid { grid-template-columns: 1fr; gap: var(--space-md); }
    .footer-brand { padding-right: 0; }
    .footer-bottom { flex-direction: column; text-align: center; }

    /* CTA Banner */
    .cta-banner { padding: var(--space-lg) var(--space-md); }

    /* Buttons */
    .btn { width: 100%; }
    .btn-group { flex-direction: column; }

    /* Article */
    .article { padding: var(--space-lg) var(--space-md); }
    .article h1 { font-size: 1.8rem; }
}

/* ---------------------------------------------------------------------------
   Feedback Widget
   --------------------------------------------------------------------------- */
.feedback-widget {
    position: fixed;
    bottom: 24px;
    right: 24px;
    z-index: 9998;
    font-family: var(--font-heading);
}

.feedback-trigger {
    display: flex;
    align-items: center;
    gap: 8px;
    background: var(--color-primary);
    color: #fff;
    border: none;
    border-radius: 50px;
    padding: 12px 20px;
    font-size: 14px;
    font-weight: 600;
    cursor: pointer;
    box-shadow: 0 4px 20px rgba(0,0,0,0.25);
    transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.feedback-trigger:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 24px rgba(0,0,0,0.35);
}

.feedback-trigger svg { width: 18px; height: 18px; fill: currentColor; flex-shrink: 0; }

.feedback-panel {
    position: absolute;
    bottom: 56px;
    right: 0;
    width: 340px;
    max-height: 0;
    overflow: hidden;
    background: #fff;
    border: 1px solid var(--color-border);
    border-radius: var(--radius);
    box-shadow: 0 8px 32px rgba(0,0,0,0.18);
    transition: max-height 0.35s ease, opacity 0.35s ease;
    opacity: 0;
}

.feedback-panel.open { max-height: 600px; opacity: 1; overflow-y: auto; }

.feedback-panel-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 16px 20px 12px;
    border-bottom: 1px solid var(--color-border);
}

.feedback-panel-header h3 { margin: 0; font-size: 16px; font-weight: 600; }

.feedback-close {
    background: none; border: none; font-size: 24px;
    cursor: pointer; color: var(--color-text-muted); line-height: 1; padding: 0 4px;
}
.feedback-close:hover { color: var(--color-text); }

#feedbackForm { padding: 16px 20px; }

#feedbackForm label {
    display: block; font-size: 13px; font-weight: 600;
    color: var(--color-text); margin-bottom: 4px; margin-top: 12px;
}
#feedbackForm label:first-of-type { margin-top: 0; }

.feedback-optional { font-weight: 400; color: var(--color-text-muted); }

#feedbackForm select,
#feedbackForm textarea,
#feedbackForm input[type="text"],
#feedbackForm input[type="email"] {
    width: 100%; padding: 8px 12px;
    border: 1px solid var(--color-border); border-radius: 4px;
    background: #fff; color: var(--color-text);
    font-size: 14px; font-family: inherit;
}

#feedbackForm select:focus,
#feedbackForm textarea:focus,
#feedbackForm input:focus {
    outline: 2px solid var(--color-primary); outline-offset: -1px;
}

#feedbackForm textarea { resize: vertical; min-height: 80px; }

.feedback-submit {
    width: 100%; margin-top: 16px; padding: 10px 20px;
    font-size: 14px; font-weight: 600;
    background: var(--color-primary); color: #fff;
    border: none; border-radius: 4px; cursor: pointer;
    transition: background 0.2s ease;
}
.feedback-submit:hover { background: var(--color-primary-dark); }
.feedback-submit:disabled { opacity: 0.6; cursor: not-allowed; }

.feedback-success { padding: 40px 20px; text-align: center; }
.feedback-success p { color: var(--color-primary); font-weight: 600; font-size: 16px; }

@media (max-width: 480px) {
    .feedback-widget { bottom: 16px; right: 16px; }
    .feedback-trigger-label { display: none; }
    .feedback-trigger { padding: 12px; border-radius: 50%; }
    .feedback-panel { width: calc(100vw - 32px); right: 0; }
}

/* ---------------------------------------------------------------------------
   Counselor Finder
   --------------------------------------------------------------------------- */
.counselor-search {
    margin: var(--space-lg) 0;
    padding: var(--space-lg);
    background: var(--color-primary-light);
    border-radius: var(--radius-lg);
    text-align: center;
}

.counselor-search__form {
    display: flex;
    gap: var(--space-sm);
    max-width: 420px;
    margin: 0 auto var(--space-sm);
}

.counselor-search__form input {
    flex: 1;
    padding: 14px 18px;
    font-size: 1.1rem;
    border: 2px solid var(--color-border);
    border-radius: var(--radius);
    font-family: var(--font-body);
    text-align: center;
    letter-spacing: 2px;
}

.counselor-search__form input:focus {
    border-color: var(--color-primary);
    outline: none;
    box-shadow: 0 0 0 3px rgba(var(--color-primary-rgb), 0.15);
}

.counselor-search__note {
    font-size: 0.85rem;
    color: var(--color-text-muted);
    margin: 0;
}

.counselor-loading {
    text-align: center;
    padding: var(--space-lg);
    color: var(--color-text-muted);
    font-style: italic;
}

.counselor-error {
    padding: var(--space-md);
    background: #fff3f3;
    border: 1px solid #e8c4c4;
    border-radius: var(--radius);
    color: #8b3a3a;
    text-align: center;
}

.counselor-results h2 {
    margin: var(--space-lg) 0 var(--space-md);
}

.counselor-card {
    padding: var(--space-md);
    background: var(--color-bg);
    border: 1px solid var(--color-border);
    border-radius: var(--radius);
    margin-bottom: var(--space-md);
    transition: box-shadow 0.2s;
}

.counselor-card:hover {
    box-shadow: var(--shadow-md);
}

.counselor-card__name {
    font-family: var(--font-heading);
    font-size: 1.15rem;
    color: var(--color-primary);
    margin: 0 0 var(--space-xs);
}

.counselor-card__address,
.counselor-card__distance {
    margin: 0 0 var(--space-xs);
    color: var(--color-text-muted);
    font-size: 0.95rem;
}

.counselor-card__distance {
    font-weight: 600;
    color: var(--color-accent-dark);
}

.counselor-card__contact {
    display: flex;
    gap: var(--space-xs);
    flex-wrap: wrap;
    margin-top: var(--space-sm);
}

.btn--sm {
    padding: 8px 16px;
    font-size: 0.85rem;
}

.btn--outline {
    background: transparent;
    color: var(--color-primary);
    border: 1px solid var(--color-primary);
}

.btn--outline:hover {
    background: var(--color-primary);
    color: #fff;
}

.counselor-info {
    margin-top: var(--space-xl);
}

.counselor-info h2 {
    font-size: 1.4rem;
    margin-top: var(--space-lg);
}

.counselor-info ul {
    padding-left: 1.5em;
    line-height: 1.8;
}

@media (max-width: 480px) {
    .counselor-search__form {
        flex-direction: column;
    }
}

/* ---------------------------------------------------------------------------
   Rates Widget
   --------------------------------------------------------------------------- */
.rates-widget {
    background: var(--color-bg-warm);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    padding: var(--space-md);
    margin: var(--space-lg) 0;
}

.rates-widget__header {
    display: flex;
    align-items: center;
    gap: var(--space-xs);
    margin-bottom: var(--space-md);
    color: var(--color-primary);
}

.rates-widget__header h3 {
    margin: 0;
    font-size: 1.15rem;
}

.rates-widget__grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-md);
    text-align: center;
}

.rates-widget__item {
    padding: var(--space-sm);
    background: var(--color-bg);
    border-radius: var(--radius);
    border: 1px solid var(--color-border-light);
}

.rates-widget__value {
    font-family: var(--font-heading);
    font-size: 1.6rem;
    font-weight: 700;
    color: var(--color-primary);
    line-height: 1.2;
}

.rates-widget__label {
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--color-text);
    margin-top: 4px;
}

.rates-widget__note {
    font-size: 0.78rem;
    color: var(--color-text-muted);
    margin-top: 2px;
}

.rates-widget__hecm {
    text-align: center;
    margin: var(--space-md) 0 0;
    padding-top: var(--space-sm);
    border-top: 1px solid var(--color-border-light);
    font-size: 0.95rem;
    color: var(--color-text-muted);
}

.rates-widget__footer {
    font-size: 0.78rem;
    color: var(--color-text-light);
    margin: var(--space-sm) 0 0;
    text-align: center;
}

.rates-widget__loading,
.rates-widget__error {
    text-align: center;
    color: var(--color-text-muted);
    font-style: italic;
    padding: var(--space-sm) 0;
}

@media (max-width: 480px) {
    .rates-widget__grid {
        grid-template-columns: 1fr;
    }
}

/* ---------------------------------------------------------------------------
   Print
   --------------------------------------------------------------------------- */
@media print {
    .site-header, .site-footer, .nav-toggle, .btn, .cta-banner { display: none; }
    body { font-size: 12pt; color: #000; }
    a { color: #000; text-decoration: underline; }
}