/* ============================================
   FLORIDA HOMETOWN HEROES HOUSING PROGRAM
   Stairway Mortgage / NEXA Mortgage
   Design tokens extracted from Elementor export
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=PT+Sans:wght@400;700&display=swap');

:root {
  /* PRIMARY BRAND (extracted from Elementor) */
  --navy: #002868;           /* dark navy - primary headings, logo */
  --navy-darker: #001a47;
  --blue: #009CFF;           /* bright blue - top bar, footer, accent sections */
  --blue-dark: #007ECC;
  --orange: #FF6400;         /* orange CTA - Apply Now buttons */
  --orange-hover: #E55600;
  --sage-bg: #E8F0E7;        /* soft sage section background */
  --sage-text: #2E5C2E;      /* sage dark - on light sage */
  --peach-tint: #FDE7E3;     /* soft peach callout */
  --rust: #B15E4A;           /* rust accent */

  /* TEXT */
  --text-black: #000000;
  --text-dark: #282828;
  --text-body: #404040;
  --text-mid: #515151;
  --text-light: #6B6B6B;

  /* BG */
  --white: #FFFFFF;
  --off-white: #FAFAFA;
  --grey-soft: #F4F4F4;
  --border: #E5E5E5;
  --border-mid: #D4D0C8;

  /* TYPOGRAPHY (Helvetica + PT Sans from Elementor) */
  --heading-font: 'Helvetica', 'Helvetica Neue', Arial, sans-serif;
  --body-font: 'PT Sans', 'Helvetica', Arial, sans-serif;

  /* SIZES (Elementor common: 14px body, 30px h2, 35px hero) */
  --body-size: 15px;
  --h1-size: 42px;
  --h2-size: 30px;
  --h3-size: 22px;
  --h4-size: 17px;

  --container: 1200px;
  --radius: 4px;
  --radius-lg: 8px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 16px; -webkit-font-smoothing: antialiased; scroll-behavior: smooth; }
body {
  font-family: var(--body-font);
  font-weight: 400;
  color: var(--text-body);
  background: var(--white);
  line-height: 1.7;
  font-size: var(--body-size);
}
a { color: var(--blue); text-decoration: none; transition: color 0.15s; }
a:hover { color: var(--navy); }
img { max-width: 100%; height: auto; display: block; }

/* ============================================
   TOP UTILITY BAR — BRIGHT BLUE #009CFF
   ============================================ */
.top-utility {
  background: var(--blue);
  color: var(--white);
  padding: 0.5rem 1.5rem;
  font-size: 13px;
}
.top-utility-inner {
  max-width: var(--container);
  margin: 0 auto;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1.5rem;
  flex-wrap: wrap;
}
.top-contact {
  display: flex;
  gap: 0.75rem;
  align-items: center;
}
.top-contact a {
  color: var(--white);
  font-weight: 400;
}
.top-contact a:hover { color: var(--navy); }
.top-social {
  display: flex;
  gap: 0.85rem;
  align-items: center;
}
.top-social a {
  color: var(--white);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 22px;
  height: 22px;
  transition: opacity 0.15s;
}
.top-social a:hover { opacity: 0.7; }
.top-social svg { width: 14px; height: 14px; }

/* ============================================
   MAIN HEADER — WHITE
   ============================================ */
.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 6px rgba(0,0,0,0.03);
}
.header-inner {
  max-width: 1350px;
  margin: 0 auto;
  padding: 1rem 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
}
.site-logo {
  font-family: var(--heading-font);
  font-size: 22px;
  font-weight: 700;
  color: var(--orange);
  line-height: 1.2;
  letter-spacing: -0.01em;
  white-space: nowrap;
  flex-shrink: 0;
}
.site-logo:hover { color: var(--orange-hover); }
.site-nav {
  display: flex;
  align-items: center;
  gap: 0.25rem;
}
.site-nav > a {
  font-family: var(--body-font);
  font-size: 15px;
  font-weight: 700;
  color: var(--text-dark);
  padding: 0.65rem 1rem;
  letter-spacing: 0;
  transition: color 0.15s;
}
.site-nav > a:hover { color: var(--orange); }
.site-nav > a.nav-active { color: var(--orange); }
.header-cta {
  display: flex;
  gap: 0.6rem;
  align-items: center;
}
.btn-calc {
  background: transparent;
  color: var(--orange);
  border: 2px solid var(--orange);
  padding: 0.65rem 1.4rem;
  font-size: 13px;
  font-weight: 700;
  border-radius: var(--radius);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  transition: all 0.15s;
}
.btn-calc:hover { background: var(--orange); color: var(--white); }
.btn-apply {
  background: var(--orange);
  color: var(--white);
  padding: 0.7rem 1.6rem;
  font-size: 13px;
  font-weight: 700;
  border-radius: var(--radius);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  transition: all 0.15s;
  border: 2px solid var(--orange);
}
.btn-apply:hover { background: var(--orange-hover); border-color: var(--orange-hover); color: var(--white); }

.menu-btn {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.4rem;
  color: var(--navy);
}

/* ============================================
   HERO — with background image
   ============================================ */
.hero {
  background-color: var(--navy);
  background-blend-mode: multiply;
  background-position: center;
  background-size: cover;
  background-repeat: no-repeat;
  color: var(--white);
  padding: 5rem 1.5rem 4.5rem;
  position: relative;
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(rgba(0,40,104,0.55), rgba(0,40,104,0.65));
  z-index: 0;
}

/* Per-page hero background images (from Elementor) */
.hero-home {
  background-image: url('https://floridahometownheroeshousingprogram2026.com/wp-content/uploads/2025/10/Hometown-Heroes.webp');
}
.hero-eligible, .hero-income, .hero-contact, .hero-schedule {
  background-image: url('https://floridahometownheroeshousingprogram2026.com/wp-content/uploads/2025/10/Copy-of-22-UFCU-0622-FAMILY-1-OUTDOOR-00104-1.jpg');
}

/* Section backgrounds with images (matches Elementor) */
.section-bg-image {
  background-color: var(--white);
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  position: relative;
}
.section-bg-image::before {
  content: '';
  position: absolute; inset: 0;
  background: rgba(255, 255, 255, 0.78);
  z-index: 0;
}
.section-bg-image .section-inner {
  position: relative;
  z-index: 1;
}
.section-bg-bg11 {
  background-image: url('https://floridahometownheroeshousingprogram2026.com/wp-content/uploads/2025/10/Bg11.jpg');
}
.section-bg-key {
  background-image: url('https://floridahometownheroeshousingprogram2026.com/wp-content/uploads/2025/10/Homebuyer-key.webp');
}

/* Inline image widget styling (matches Elementor image widgets) */
.inline-image {
  margin: 2rem auto;
  max-width: 100%;
  border-radius: var(--radius);
  display: block;
}
.inline-image-wrap {
  text-align: center;
  margin: 2rem 0;
}
.inline-image-wrap img {
  border-radius: var(--radius);
  max-width: 100%;
  height: auto;
  box-shadow: 0 8px 24px rgba(0,40,104,0.12);
}
.hero-inner {
  max-width: var(--container);
  margin: 0 auto;
  position: relative;
  z-index: 1;
}
.hero-eyebrow {
  display: inline-block;
  background: var(--orange);
  color: var(--white);
  font-family: var(--heading-font);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 0.45rem 1rem;
  margin-bottom: 1.5rem;
}
.hero h1 {
  font-family: var(--heading-font);
  font-size: clamp(28px, 4.5vw, 42px);
  font-weight: 700;
  line-height: 1.2;
  letter-spacing: -0.01em;
  margin-bottom: 1.25rem;
  color: var(--white);
}
.hero h1 .accent { color: var(--blue); }
.hero-sub {
  font-size: 17px;
  color: rgba(255,255,255,0.92);
  line-height: 1.7;
  max-width: 65ch;
  margin-bottom: 2rem;
}
.hero-actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.85rem 1.8rem;
  font-size: 14px;
  font-weight: 700;
  border-radius: var(--radius);
  border: 1.5px solid transparent;
  transition: all 0.15s;
  cursor: pointer;
  font-family: var(--body-font);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  white-space: nowrap;
}
.btn-orange { background: var(--orange); color: var(--white); border-color: var(--orange); }
.btn-orange:hover { background: var(--orange-hover); border-color: var(--orange-hover); color: var(--white); }
.btn-navy { background: var(--navy); color: var(--white); border-color: var(--navy); }
.btn-navy:hover { background: var(--navy-darker); color: var(--white); }
.btn-blue { background: var(--blue); color: var(--white); border-color: var(--blue); }
.btn-blue:hover { background: var(--blue-dark); color: var(--white); }
.btn-outline-white {
  background: transparent;
  color: var(--white);
  border-color: var(--white);
}
.btn-outline-white:hover { background: var(--white); color: var(--navy); }
.btn-outline-navy {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline-navy:hover { background: var(--navy); color: var(--white); }

/* ============================================
   SECTIONS — alternating white / bright blue / sage
   ============================================ */
section { padding: 4rem 1.5rem; }
.section-inner {
  max-width: var(--container);
  margin: 0 auto;
}
.section-inner.narrow { max-width: 900px; }

.section-white { background: var(--white); }
.section-blue { background: var(--blue); color: var(--white); }
.section-sage { background: var(--sage-bg); }
.section-peach { background: var(--peach-tint); }
.section-navy { background: var(--navy); color: var(--white); }
.section-grey { background: var(--grey-soft); }

.eyebrow {
  display: inline-block;
  color: var(--orange);
  font-family: var(--heading-font);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-bottom: 0.75rem;
}
.section-blue .eyebrow, .section-navy .eyebrow { color: var(--white); }

h1, h2, h3, h4, h5, h6 {
  font-family: var(--heading-font);
  color: var(--text-black);
  font-weight: 700;
  line-height: 1.25;
}
h2 {
  font-size: clamp(24px, 3.2vw, var(--h2-size));
  letter-spacing: -0.005em;
  margin-bottom: 1.25rem;
  color: var(--navy);
}
.section-blue h2, .section-navy h2 { color: var(--white); }
.section-sage h2 { color: var(--navy); }

h3 {
  font-size: var(--h3-size);
  color: var(--navy);
  margin: 1.5rem 0 0.75rem;
  font-weight: 700;
}
.section-blue h3, .section-navy h3 { color: var(--white); }

h4 {
  font-size: var(--h4-size);
  color: var(--navy);
  margin: 1.25rem 0 0.6rem;
  font-weight: 700;
}
.section-blue h4, .section-navy h4 { color: var(--white); }

p {
  margin-bottom: 1rem;
  color: var(--text-body);
  line-height: 1.75;
  font-size: 15px;
}
p strong { color: var(--text-black); font-weight: 700; }
.section-blue p, .section-navy p { color: rgba(0, 0, 0, 0.95); }
.section-blue p strong, .section-navy p strong { color: #000; }

ul, ol { margin: 0 0 1.25rem 1.5rem; }
li { margin-bottom: 0.5rem; color: var(--text-body); line-height: 1.7; font-size: 15px; }
li strong { color: var(--text-black); font-weight: 700; }
.section-blue li, .section-navy li { color: rgba(0, 0, 0, 0.95); }
.section-blue li strong, .section-navy li strong { color: var(--white); }
.section-blue ul li::marker, .section-blue ol li::marker { color: #000; }

.lead {
  font-size: 17px;
  color: var(--text-body);
  line-height: 1.75;
  margin-bottom: 1.5rem;
  max-width: 65ch;
}

/* ============================================
   QUICK FACTS GRID — 9 cards
   ============================================ */
.facts-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.25rem;
  margin: 2rem 0;
}
.fact-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-left: 4px solid var(--orange);
  padding: 1.5rem;
  border-radius: 0;
  transition: transform 0.15s, box-shadow 0.15s;
}
.fact-card:hover { transform: translateY(-2px); box-shadow: 0 6px 20px rgba(0,40,104,0.1); }
.fact-card h4 {
  font-size: 16px;
  color: var(--navy);
  margin: 0 0 0.5rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.fact-card p { font-size: 14px; margin: 0; color: var(--text-body); }

.section-blue .fact-card {
  background: var(--white);
  border-left-color: var(--orange);
}
.section-blue .fact-card h4 { color: var(--navy); }
.section-blue .fact-card p { color: var(--text-body); }

/* ============================================
   FAQ ACCORDION
   ============================================ */
.faq-list {
  margin: 2rem 0;
  border-top: 1px solid var(--border);
}
.section-blue .faq-list { border-top-color: rgba(255,255,255,0.3); }
.faq-item {
  border-bottom: 1px solid var(--border);
}
.section-blue .faq-item { border-bottom-color: rgba(255,255,255,0.3); }
.faq-item summary {
  list-style: none;
  cursor: pointer;
  padding: 1.15rem 0;
  font-weight: 700;
  font-size: 16px;
  color: var(--text-black);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  font-family: var(--heading-font);
  transition: color 0.15s;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary:hover { color: var(--blue); }
.section-blue .faq-item summary { color: var(--white); }
.section-blue .faq-item summary:hover { color: var(--navy); }
.faq-item summary::after {
  content: '+';
  font-size: 22px;
  color: var(--orange);
  font-weight: 400;
  flex-shrink: 0;
}
.faq-item[open] summary::after { content: '−'; color: var(--navy); }
.section-blue .faq-item[open] summary::after { color: var(--white); }
.faq-item[open] summary { color: var(--navy); }
.faq-answer {
  padding: 0 0 1.5rem;
  color: var(--text-body);
  font-size: 15px;
  line-height: 1.75;
}
.section-blue .faq-answer { color: rgba(255,255,255,0.95); }
.faq-answer p { margin-bottom: 0.75rem; }
.faq-answer p:last-child { margin-bottom: 0; }

/* ============================================
   TABLES (comparison + county)
   ============================================ */
.table-wrap { overflow-x: auto; margin: 2rem 0; -webkit-overflow-scrolling: touch; }
table.comparison, table.county-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
  font-size: 14px;
  font-family: var(--body-font);
}
table.comparison thead, table.county-table thead {
  background: var(--navy);
  color: var(--white);
}
table.comparison th, table.county-table th {
  padding: 0.95rem 1rem;
  text-align: left;
  font-weight: 700;
  font-size: 13px;
  letter-spacing: 0.03em;
  text-transform: uppercase;
  border-right: 1px solid rgba(255,255,255,0.15);
}
table.comparison td, table.county-table td {
  padding: 0.85rem 1rem;
  border: 1px solid var(--border);
  color: var(--text-body);
  vertical-align: top;
}
table.comparison tr:nth-child(even), table.county-table tr:nth-child(even) {
  background: var(--off-white);
}
table.comparison tr:hover, table.county-table tr:hover {
  background: #EFF8FF;
}
table.comparison td strong, table.county-table td strong {
  color: var(--navy);
  font-weight: 700;
}
table.county-table td:first-child {
  font-weight: 700;
  color: var(--navy);
  background: var(--sage-bg);
}

/* ============================================
   PROS / CONS
   ============================================ */
.proscons-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  margin: 2rem 0;
}
.proscons-card {
  background: var(--white);
  padding: 1.5rem;
  border: 1px solid var(--border);
  border-radius: var(--radius);
}
.proscons-card h3 {
  margin-top: 0;
  font-size: 20px;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.proscons-card.pros { border-top: 4px solid var(--sage-text); }
.proscons-card.cons { border-top: 4px solid var(--orange); }
.proscons-card.pros h3 { color: var(--sage-text); }
.proscons-card.cons h3 { color: var(--orange); }
.proscons-list { list-style: none; margin: 0; padding: 0; }
.proscons-list li {
  padding: 0.65rem 0 0.65rem 1.75rem;
  position: relative;
  border-bottom: 1px solid var(--border);
  font-size: 14px;
  line-height: 1.6;
  margin: 0;
  color: var(--text-body);
}
.proscons-list li:last-child { border-bottom: none; }
.proscons-list li::before {
  position: absolute;
  left: 0;
  top: 0.55rem;
  font-weight: 700;
  font-size: 16px;
}
.proscons-card.pros .proscons-list li::before { content: '✓'; color: var(--sage-text); }
.proscons-card.cons .proscons-list li::before { content: '✕'; color: var(--orange); }

/* ============================================
   STEP LIST
   ============================================ */
.steps-list {
  list-style: none;
  margin: 2rem 0;
  padding: 0;
  counter-reset: stepcounter;
}
.steps-list li {
  position: relative;
  padding: 1.25rem 0 1.25rem 3.5rem;
  border-bottom: 1px solid var(--border);
  counter-increment: stepcounter;
  margin: 0;
}
.section-blue .steps-list li { border-bottom-color: rgba(255,255,255,0.3); }
.steps-list li:last-child { border-bottom: none; }
.steps-list li::before {
  content: counter(stepcounter);
  position: absolute;
  left: 0;
  top: 1.15rem;
  width: 2.5rem;
  height: 2.5rem;
  background: var(--orange);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-family: var(--heading-font);
  font-size: 16px;
}
.section-blue .steps-list li::before { background: var(--white); color: var(--navy); }
.steps-list h4 { margin: 0 0 0.5rem; color: var(--text-black); font-size: 17px; }
.section-blue .steps-list h4 { color: var(--white); }
.steps-list p { margin-bottom: 0; }

/* ============================================
   OCCUPATION CATEGORY (Eligible Occupations)
   ============================================ */
.occ-category {
  background: var(--white);
  padding: 1.75rem;
  margin: 1.5rem 0;
  border: 1px solid var(--border);
  border-left: 4px solid var(--blue);
}
.occ-category h3 {
  margin-top: 0;
  color: var(--navy);
}
.occ-sublist { margin-top: 1rem; }
.occ-sublist h4 {
  color: var(--navy);
  margin: 1.25rem 0 0.5rem;
  font-size: 14px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  font-weight: 700;
}
.occ-sublist ul {
  columns: 2;
  column-gap: 2rem;
  margin-left: 1.25rem;
}
.occ-sublist li { break-inside: avoid; }
.occ-requirement {
  background: var(--sage-bg);
  border-left: 3px solid var(--sage-text);
  padding: 0.95rem 1.25rem;
  border-radius: 0;
  margin: 1rem 0;
  font-size: 14px;
}
.occ-requirement strong { color: var(--sage-text); }

/* ============================================
   NOT-QUALIFIED CALLOUT (peach)
   ============================================ */
.not-qualified {
  background: var(--peach-tint);
  border-left: 4px solid var(--orange);
  padding: 1.5rem 1.75rem;
  margin: 1.5rem 0;
  border-radius: 0;
}
.not-qualified h3 {
  color: var(--orange);
  margin-top: 0;
}
.not-qualified h4 {
  color: var(--rust);
  font-size: 14px;
  margin: 1rem 0 0.5rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.not-qualified ul { margin-bottom: 0; }

/* ============================================
   CTA BANNER
   ============================================ */
.cta-banner {
  background: var(--navy);
  color: var(--white);
  padding: 2.5rem 2rem;
  margin: 2rem 0;
  text-align: center;
  border-radius: var(--radius-lg);
}
.cta-banner h3 {
  font-size: 26px;
  color: var(--white);
  margin: 0 0 0.6rem;
}
.cta-banner p {
  color: rgba(255,255,255,0.92);
  max-width: 60ch;
  margin: 0 auto 1.5rem;
  font-size: 16px;
}

/* ============================================
   QUICK NAV
   ============================================ */
.quicknav {
  background: var(--sage-bg);
  padding: 1.5rem 2rem;
  margin: 2rem 0;
  border-left: 4px solid var(--sage-text);
  border-radius: 0;
}
.quicknav h4 {
  margin: 0 0 0.75rem;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--sage-text);
  font-weight: 700;
}
.quicknav ul {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem;
}
.quicknav li { margin: 0; }
.quicknav a {
  display: inline-block;
  padding: 0.4rem 0.85rem;
  background: var(--white);
  border: 1px solid var(--border);
  font-size: 13px;
  font-weight: 700;
  color: var(--navy);
  transition: all 0.15s;
}
.quicknav a:hover { background: var(--blue); color: var(--white); border-color: var(--blue); }

/* ============================================
   CONTACT FORM
   ============================================ */
.contact-form {
  max-width: 720px;
  margin: 2rem auto;
  background: var(--white);
  padding: 2.5rem;
  border: 1px solid var(--border);
  box-shadow: 0 4px 16px rgba(0,40,104,0.06);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
.form-group {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
  margin-bottom: 1.25rem;
}
.form-group label {
  font-family: var(--heading-font);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--navy);
}
.form-group .helper {
  font-size: 13px;
  color: var(--text-light);
  font-weight: 400;
  letter-spacing: 0;
  text-transform: none;
  margin-bottom: 0.25rem;
}
.form-group input,
.form-group textarea,
.form-group select {
  padding: 0.75rem 1rem;
  border: 1.5px solid var(--border-mid);
  border-radius: 0;
  font-family: var(--body-font);
  font-size: 15px;
  color: var(--text-black);
  background: var(--white);
  transition: border-color 0.15s;
  width: 100%;
}
.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(0,156,255,0.15);
}
.form-group textarea { min-height: 130px; resize: vertical; }
.form-submit {
  background: var(--orange);
  color: var(--white);
  padding: 0.85rem 2rem;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  border: none;
  border-radius: var(--radius);
  cursor: pointer;
  transition: background 0.15s;
}
.form-submit:hover { background: var(--orange-hover); }

/* ============================================
   FOOTER — BRIGHT BLUE #009CFF
   ============================================ */
.site-footer {
  background: var(--blue);
  color: var(--white);
  padding: 3.5rem 1.5rem 1.25rem;
}
.footer-inner {
  max-width: var(--container);
  margin: 0 auto;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1.5fr 1.5fr;
  gap: 2.5rem;
  margin-bottom: 2.5rem;
}
.footer-grid h4 {
  color: var(--white);
  font-family: var(--heading-font);
  font-size: 15px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin: 0 0 1rem;
  font-weight: 700;
  padding-bottom: 0.5rem;
  border-bottom: 2px solid rgba(255,255,255,0.3);
}
.footer-tagline {
  font-size: 14px;
  color: var(--white);
  line-height: 1.7;
}
.footer-grid ul { list-style: none; margin: 0; padding: 0; }
.footer-grid li {
  margin-bottom: 0.55rem;
  color: var(--white);
  font-size: 14px;
  line-height: 1.6;
}
.footer-grid a {
  color: var(--white);
  font-size: 14px;
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
}
.footer-grid a:hover { color: var(--navy); }
.footer-grid p {
  color: var(--white);
  font-size: 13px;
  line-height: 1.6;
  margin-bottom: 0.5rem;
}
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.25);
  padding-top: 1.25rem;
  text-align: center;
  font-size: 13px;
  color: var(--white);
}

/* ============================================
   SCROLL TO TOP
   ============================================ */
.scroll-top {
  position: fixed;
  bottom: 1.5rem;
  right: 1.5rem;
  width: 42px;
  height: 42px;
  background: var(--orange);
  color: var(--white);
  border: none;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.2s, transform 0.15s;
  z-index: 50;
  box-shadow: 0 4px 12px rgba(0,0,0,0.2);
}
.scroll-top.visible { opacity: 1; pointer-events: all; }
.scroll-top:hover { background: var(--orange-hover); transform: translateY(-2px); }

/* ============================================
   MOBILE
   ============================================ */
@media (max-width: 1024px) {
  .site-nav > a { padding: 0.5rem 0.7rem; font-size: 13px; }
  .site-logo { font-size: 17px; max-width: 260px; }
}
@media (max-width: 968px) {
  .site-nav, .header-cta { display: none; }
  .menu-btn { display: block; }
  .header-inner { padding: 0.85rem 1rem; }
  .site-nav.open {
    display: flex;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    padding: 1rem;
    gap: 0.25rem;
    box-shadow: 0 6px 24px rgba(0,0,0,0.1);
  }
  .site-nav.open > a { padding: 0.85rem 1rem; }
  .header-cta.open {
    display: flex;
    flex-direction: column;
    padding: 1rem;
    background: var(--white);
  }
}
@media (max-width: 768px) {
  .hero { padding: 3rem 1.25rem; }
  section { padding: 2.5rem 1.25rem; }
  .form-row { grid-template-columns: 1fr; }
  .proscons-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
  .occ-sublist ul { columns: 1; }
  .top-utility-inner { justify-content: center; }
  .top-utility { font-size: 12px; padding: 0.4rem 1rem; }
  .contact-form { padding: 1.5rem; }
}


/* ============================================
   2-COLUMN SECTION LAYOUT (matches Elementor 2-col rows)
   Used in: "What Is", "Interest Rates"
   ============================================ */
.row-2col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
  margin-bottom: 2rem;
}
.row-2col-img {
  width: 100%;
  border-radius: var(--radius);
  display: block;
}
.row-2col .row-text h2 { margin-top: 0; }
.row-2col .row-text p:last-child { margin-bottom: 0; }

/* Right-image section with bg image visible on right side
   (used for Interest Rates section per Elementor SEC#4) */
.section-side-image {
  background-color: var(--white);
  background-size: 50% auto;
  background-position: right center;
  background-repeat: no-repeat;
  position: relative;
}
@media (max-width: 900px) {
  .row-2col { grid-template-columns: 1fr; gap: 1.5rem; }
  .section-side-image { background-image: none !important; }
}
.occ-category strong p{
  color:#000;
}