/* ============================================
   OWNER BUYER FINANCING - Main Stylesheet
   ownerbuyerfinancing.com | Sidelia Investments
   ============================================ */

/* --- Google Fonts Import --- */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&family=Playfair+Display:wght@700;800&display=swap');

/* --- CSS Variables --- */
:root {
  --primary: #1a3c5e;       /* Deep Navy Blue */
  --primary-dark: #0f2540;
  --primary-light: #2557a7;
  --accent: #c8860a;        /* Gold/Amber */
  --accent-light: #f0a830;
  --accent-dark: #9d6507;
  --success: #16a34a;
  --success-light: #dcfce7;
  --text-dark: #111827;
  --text-medium: #374151;
  --text-light: #6b7280;
  --bg-light: #a8b2bc;
  --bg-white: #c4c9d0;
  --border: #e5e7eb;
  --border-light: #f3f4f6;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
  --shadow-md: 0 4px 16px rgba(0,0,0,0.10);
  --shadow-lg: 0 10px 40px rgba(0,0,0,0.14);
  --shadow-xl: 0 20px 60px rgba(0,0,0,0.18);
  --radius: 12px;
  --radius-lg: 20px;
  --transition: all 0.25s ease;
}

/* --- Reset & Base --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Inter', sans-serif;
  color: var(--text-dark);
  background: var(--bg-white);
  line-height: 1.6;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, textarea, select { font-family: inherit; }

/* --- Typography --- */
h1, h2, h3, h4, h5 { line-height: 1.2; font-weight: 700; }
h1 { font-size: clamp(2rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.5rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); }
h4 { font-size: 1.1rem; }
.display-font { font-family: 'Playfair Display', serif; }
.text-accent { color: var(--accent); }
.text-primary { color: var(--primary); }
.text-white { color: white; }
.text-center { text-align: center; }
.text-muted { color: var(--text-light); }

/* --- Layout --- */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.container-wide { max-width: 1400px; margin: 0 auto; padding: 0 24px; }
.section { padding: 80px 0; }
.section-sm { padding: 50px 0; }
.section-lg { padding: 100px 0; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.flex { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }
.gap-1 { gap: 8px; }
.gap-2 { gap: 16px; }
.gap-3 { gap: 24px; }
.gap-4 { gap: 32px; }
.mt-1 { margin-top: 8px; }
.mt-2 { margin-top: 16px; }
.mt-3 { margin-top: 24px; }
.mt-4 { margin-top: 32px; }
.mb-1 { margin-bottom: 8px; }
.mb-2 { margin-bottom: 16px; }
.mb-3 { margin-bottom: 24px; }
.mb-4 { margin-bottom: 32px; }

/* --- Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 8px;
  font-weight: 600;
  font-size: 0.95rem;
  transition: var(--transition);
  white-space: nowrap;
}
.btn-primary {
  background: var(--accent);
  color: white;
  box-shadow: 0 4px 14px rgba(200,134,10,0.35);
}
.btn-primary:hover {
  background: var(--accent-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(200,134,10,0.45);
}
.btn-secondary {
  background: var(--primary);
  color: white;
  box-shadow: 0 4px 14px rgba(26,60,94,0.25);
}
.btn-secondary:hover {
  background: var(--primary-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(26,60,94,0.35);
}
.btn-outline {
  background: transparent;
  color: var(--primary);
  border: 2px solid var(--primary);
}
.btn-outline:hover {
  background: var(--primary);
  color: white;
  transform: translateY(-2px);
}
.btn-outline-white {
  background: transparent;
  color: white;
  border: 2px solid rgba(255,255,255,0.7);
}
.btn-outline-white:hover {
  background: #c8cdd4;
  color: var(--primary);
  border-color: white;
  transform: translateY(-2px);
}
.btn-lg {
  padding: 18px 36px;
  font-size: 1.05rem;
}
.btn-sm {
  padding: 9px 18px;
  font-size: 0.85rem;
}

/* --- Navigation --- */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(15, 37, 64, 0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(255,255,255,0.08);
  transition: var(--transition);
}
.navbar.scrolled {
  background: rgba(15, 37, 64, 1);
  box-shadow: var(--shadow-lg);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 12px;
}
.nav-logo-icon {
  width: 48px;
  height: 42px;
  background: var(--accent);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  font-weight: 900;
  color: white;
  flex-shrink: 0;
  letter-spacing: 0.02em;
}
.nav-logo-text { line-height: 1.1; }
.nav-logo-text .brand { font-size: 1rem; font-weight: 800; color: white; letter-spacing: -0.02em; }
.nav-logo-text .tagline { font-size: 0.68rem; color: var(--accent-light); font-weight: 500; letter-spacing: 0.05em; text-transform: uppercase; }
.nav-menu { display: flex; align-items: center; gap: 6px; }
.nav-link {
  padding: 8px 14px;
  border-radius: 6px;
  color: rgba(255,255,255,0.82);
  font-size: 0.9rem;
  font-weight: 500;
  transition: var(--transition);
}
.nav-link:hover, .nav-link.active {
  color: white;
  background: rgba(255,255,255,0.1);
}
.nav-cta {
  margin-left: 10px;
  padding: 9px 20px;
  background: var(--accent);
  color: white;
  border-radius: 7px;
  font-weight: 600;
  font-size: 0.9rem;
  transition: var(--transition);
}
.nav-cta:hover { background: var(--accent-dark); transform: translateY(-1px); }
.nav-phone {
  display: flex;
  align-items: center;
  gap: 6px;
  color: var(--accent-light);
  font-weight: 600;
  font-size: 0.88rem;
}
.nav-phone i { font-size: 0.8rem; }
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 6px;
  cursor: pointer;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: #c8cdd4;
  border-radius: 2px;
  transition: var(--transition);
}

/* --- Section Headers --- */
.section-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(200,134,10,0.1);
  color: var(--accent);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 100px;
  margin-bottom: 16px;
  border: 1px solid rgba(200,134,10,0.25);
}
.section-header { margin-bottom: 52px; }
.section-header h2 { margin-bottom: 16px; }
.section-header p { color: var(--text-light); font-size: 1.05rem; max-width: 600px; }
.section-header.centered { text-align: center; }
.section-header.centered p { margin: 0 auto; }
.divider {
  width: 60px;
  height: 4px;
  background: var(--accent);
  border-radius: 2px;
  margin: 16px 0;
}
.divider.centered { margin: 16px auto; }

/* --- Cards --- */
.card {
  background: #c8cdd4;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  overflow: hidden;
  transition: var(--transition);
}
.card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
  border-color: transparent;
}
.card-body { padding: 24px; }
.card-img-wrap {
  position: relative;
  overflow: hidden;
  height: 220px;
  background: var(--bg-light);
}
.card-img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.4s ease;
}
.card:hover .card-img-wrap img { transform: scale(1.06); }

/* --- Property Card --- */
.property-card {
  background: #c8cdd4;
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--border);
  transition: var(--transition);
  cursor: pointer;
}
.property-card:hover {
  box-shadow: var(--shadow-xl);
  transform: translateY(-5px);
  border-color: transparent;
}
.property-img {
  position: relative;
  height: 230px;
  overflow: hidden;
  background: linear-gradient(135deg, #1a3c5e, #2557a7);
}
.property-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}
.property-card:hover .property-img img { transform: scale(1.08); }
.property-badge {
  position: absolute;
  top: 14px;
  left: 14px;
  background: var(--accent);
  color: white;
  padding: 4px 12px;
  border-radius: 100px;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.property-badge.sold { background: #dc2626; }
.property-badge.contract { background: #7c3aed; }
.property-financing-tag {
  position: absolute;
  bottom: 14px;
  right: 14px;
  background: rgba(22,163,74,0.92);
  color: white;
  padding: 4px 10px;
  border-radius: 6px;
  font-size: 0.72rem;
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: 4px;
  backdrop-filter: blur(4px);
}
.property-info { padding: 20px; }
.property-price {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 6px;
}
.property-address {
  color: var(--text-light);
  font-size: 0.88rem;
  margin-bottom: 14px;
  display: flex;
  align-items: center;
  gap: 5px;
}
.property-meta {
  display: flex;
  gap: 16px;
  padding: 14px 0;
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
  margin-bottom: 14px;
}
.property-meta-item {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.85rem;
  color: var(--text-medium);
}
.property-meta-item i { color: var(--accent); font-size: 0.9rem; }
.property-meta-item span { font-weight: 600; }
.property-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.property-monthly { font-size: 0.82rem; color: var(--text-light); }
.property-monthly strong { color: var(--success); font-size: 0.9rem; }

/* --- Forms --- */
.form-group { margin-bottom: 20px; }
.form-label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-medium);
  margin-bottom: 7px;
}
.form-control {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-size: 0.95rem;
  color: var(--text-dark);
  background: #c8cdd4;
  transition: var(--transition);
  outline: none;
}
.form-control:focus {
  border-color: var(--primary-light);
  box-shadow: 0 0 0 3px rgba(37,87,167,0.1);
}
.form-control::placeholder { color: #b0b8c9; }
select.form-control { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 24 24' stroke='%236b7280'%3E%3Cpath stroke-linecap='round' stroke-linejoin='round' stroke-width='2' d='M19 9l-7 7-7-7'%3E%3C/path%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 12px center; background-size: 18px; padding-right: 40px; }
textarea.form-control { resize: vertical; min-height: 120px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-hint { font-size: 0.78rem; color: var(--text-light); margin-top: 5px; }
.form-success {
  background: var(--success-light);
  border: 1px solid #86efac;
  border-radius: 8px;
  padding: 16px;
  text-align: center;
  color: var(--success);
  font-weight: 600;
  display: none;
}

/* --- Badges & Tags --- */
.badge {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 4px 10px;
  border-radius: 100px;
  font-size: 0.75rem;
  font-weight: 600;
}
.badge-green { background: #dcfce7; color: #16a34a; }
.badge-blue { background: #dbeafe; color: #1d4ed8; }
.badge-gold { background: rgba(200,134,10,0.12); color: var(--accent); }
.badge-red { background: #fee2e2; color: #dc2626; }

/* --- Stat boxes --- */
.stat-box {
  text-align: center;
  padding: 24px;
}
.stat-num {
  font-size: 2.6rem;
  font-weight: 800;
  color: var(--accent);
  line-height: 1;
  margin-bottom: 6px;
}
.stat-label {
  font-size: 0.9rem;
  color: var(--text-light);
  font-weight: 500;
}

/* --- Step Process --- */
.step-item {
  display: flex;
  gap: 20px;
  align-items: center;
  padding: 24px;
  background: #c8cdd4;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  transition: var(--transition);
  width: 100%;
}
.step-item:hover { box-shadow: var(--shadow-md); border-color: var(--accent); }
.step-num {
  width: 48px;
  height: 48px;
  background: var(--accent);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  font-weight: 800;
  flex-shrink: 0;
}
.step-content h4 { margin-bottom: 6px; color: var(--primary); text-align: left; }
.step-content p { font-size: 0.92rem; color: var(--text-light); line-height: 1.6; text-align: left; }

/* --- Testimonials --- */
.testimonial-card {
  background: #c8cdd4;
  border-radius: var(--radius);
  padding: 28px;
  border: 1px solid var(--border);
  position: relative;
  transition: var(--transition);
}
.testimonial-card:hover { box-shadow: var(--shadow-md); }
.testimonial-quote {
  font-size: 2rem;
  color: var(--accent);
  line-height: 1;
  margin-bottom: 12px;
}
.testimonial-text {
  font-size: 0.95rem;
  color: var(--text-medium);
  line-height: 1.7;
  margin-bottom: 20px;
  font-style: italic;
}
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.testimonial-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-weight: 700;
  font-size: 0.9rem;
  flex-shrink: 0;
}
.testimonial-name { font-weight: 700; font-size: 0.9rem; }
.testimonial-role { font-size: 0.8rem; color: var(--text-light); }
.stars { color: #f59e0b; font-size: 0.85rem; letter-spacing: 2px; }

/* --- CTA Banners --- */
.cta-banner {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 50%, var(--primary-light) 100%);
  padding: 70px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.cta-banner h2 { color: white; margin-bottom: 20px; position: relative; font-size: clamp(2.2rem, 5vw, 3.4rem); font-weight: 900; text-align: center; letter-spacing: -0.02em; }
.cta-banner p { color: rgba(255,255,255,0.88); font-size: clamp(1.15rem, 2.2vw, 1.4rem); line-height: 1.7; margin-bottom: 40px; max-width: 700px; margin-left: auto; margin-right: auto; position: relative; text-align: center; }
.cta-banner .btn-group { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; position: relative; }

/* --- Footer --- */
.footer {
  background: var(--primary-dark);
  color: rgba(255,255,255,0.75);
  padding: 70px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-brand p {
  font-size: 0.9rem;
  line-height: 1.7;
  margin-top: 16px;
  margin-bottom: 24px;
  max-width: 300px;
}
.footer-social { display: flex; gap: 10px; }
.footer-social a {
  width: 36px;
  height: 36px;
  background: rgba(255,255,255,0.08);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.6);
  font-size: 0.85rem;
  transition: var(--transition);
}
.footer-social a:hover { background: var(--accent); color: white; }
.footer-col h5 { color: white; font-size: 0.95rem; margin-bottom: 18px; }
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.6);
  transition: var(--transition);
}
.footer-links a:hover { color: var(--accent-light); padding-left: 4px; }
.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 14px;
}
.footer-contact-item i { color: var(--accent); font-size: 0.9rem; margin-top: 3px; flex-shrink: 0; }
.footer-contact-item span { font-size: 0.88rem; line-height: 1.5; }
.footer-bottom {
  padding: 20px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom p { font-size: 0.82rem; color: rgba(255,255,255,0.4); }
.footer-bottom a { color: rgba(255,255,255,0.5); transition: var(--transition); }
.footer-bottom a:hover { color: var(--accent-light); }

/* --- Toast Notification --- */
.toast {
  position: fixed;
  bottom: 30px;
  right: 30px;
  background: var(--primary-dark);
  color: white;
  padding: 14px 22px;
  border-radius: 10px;
  box-shadow: var(--shadow-xl);
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.9rem;
  font-weight: 500;
  z-index: 9999;
  transform: translateY(80px);
  opacity: 0;
  transition: all 0.4s cubic-bezier(0.175, 0.885, 0.32, 1.275);
}
.toast.show { transform: translateY(0); opacity: 1; }
.toast i { color: var(--success); font-size: 1.1rem; }

/* --- Loading Spinner --- */
.spinner {
  width: 40px;
  height: 40px;
  border: 3px solid var(--border);
  border-top-color: var(--primary);
  border-radius: 50%;
  animation: spin 0.8s linear infinite;
  margin: 40px auto;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* --- Empty State --- */
.empty-state {
  text-align: center;
  padding: 60px 20px;
  color: var(--text-light);
}
.empty-state i { font-size: 3rem; color: var(--border); margin-bottom: 16px; }
.empty-state h3 { color: var(--text-medium); margin-bottom: 10px; }

/* --- Utility --- */
.bg-primary { background: var(--primary); }
.bg-dark { background: var(--primary-dark); }
.bg-light { background: var(--bg-light); }
.bg-accent { background: var(--accent); }
.bg-gradient { background: linear-gradient(135deg, var(--primary-dark), var(--primary)); }
.rounded { border-radius: var(--radius); }
.rounded-lg { border-radius: var(--radius-lg); }
.shadow { box-shadow: var(--shadow-md); }
.overflow-hidden { overflow: hidden; }
.w-full { width: 100%; }
.hidden { display: none !important; }

/* --- Page Banner --- */
.page-banner {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
  padding: 120px 0 70px;
  text-align: center;
  color: white;
  position: relative;
  overflow: hidden;
}
.page-banner::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 60px;
  background: #c8cdd4;
  clip-path: ellipse(55% 100% at 50% 100%);
}
.page-banner h1 { color: white; margin-bottom: 14px; }
.page-banner p { color: rgba(255,255,255,0.78); font-size: 1.1rem; max-width: 580px; margin: 0 auto; }

/* --- Breadcrumb --- */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.83rem;
  color: rgba(255,255,255,0.5);
  margin-bottom: 20px;
  justify-content: center;
}
.breadcrumb a { color: rgba(255,255,255,0.7); transition: var(--transition); }
.breadcrumb a:hover { color: var(--accent-light); }
.breadcrumb i { font-size: 0.65rem; }

/* --- Back to top --- */
#backToTop {
  position: fixed;
  bottom: 30px;
  left: 30px;
  width: 44px;
  height: 44px;
  background: var(--primary);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-md);
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
  z-index: 900;
}
#backToTop.visible { opacity: 1; visibility: visible; }
#backToTop:hover { background: var(--accent); transform: translateY(-3px); }

/* --- Responsive --- */
@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .section { padding: 60px 0; }
  .section-lg { padding: 70px 0; }
  .grid-2, .grid-3 { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: 1fr 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .nav-menu { display: none; }
  .hamburger { display: flex; }
  .nav-phone { display: none; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .cta-banner .btn-group { flex-direction: column; align-items: center; }
  .page-banner { padding: 100px 0 55px; }
  #backToTop { bottom: 20px; left: 20px; }
}
@media (max-width: 480px) {
  .grid-4 { grid-template-columns: 1fr; }
  .btn-lg { padding: 15px 24px; font-size: 0.95rem; }
  .container { padding: 0 16px; }
  .stat-num { font-size: 2rem; }
}

/* --- Mobile Nav Overlay --- */
.mobile-nav {
  display: none;
  position: fixed;
  inset: 0;
  background: var(--primary-dark);
  z-index: 999;
  flex-direction: column;
  padding: 80px 30px 40px;
  gap: 6px;
  overflow-y: auto;
}
.mobile-nav.open { display: flex; }
.mobile-nav a {
  padding: 15px 18px;
  color: rgba(255,255,255,0.85);
  font-size: 1.05rem;
  font-weight: 500;
  border-radius: 8px;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  transition: var(--transition);
}
.mobile-nav a:hover, .mobile-nav a.active { background: rgba(255,255,255,0.08); color: white; }
.mobile-nav .mobile-cta {
  margin-top: 20px;
  background: var(--accent);
  color: white;
  text-align: center;
  padding: 16px;
  border-radius: 10px;
  font-weight: 700;
  font-size: 1rem;
}
.mobile-nav .mobile-phone {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--accent-light);
  font-weight: 600;
  padding: 15px 18px;
  font-size: 1.05rem;
}
.mobile-close {
  position: absolute;
  top: 22px;
  right: 22px;
  color: white;
  font-size: 1.4rem;
  cursor: pointer;
  padding: 8px;
}

/* --- Animations --- */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(30px); }
  to { opacity: 1; transform: translateY(0); }
}
@keyframes fadeIn {
  from { opacity: 0; }
  to { opacity: 1; }
}
@keyframes pulse {
  0%, 100% { transform: scale(1); }
  50% { transform: scale(1.04); }
}
.animate-fade-up { animation: fadeInUp 0.65s ease forwards; }
.animate-fade { animation: fadeIn 0.5s ease forwards; }
.delay-1 { animation-delay: 0.1s; }
.delay-2 { animation-delay: 0.2s; }
.delay-3 { animation-delay: 0.3s; }
.delay-4 { animation-delay: 0.4s; }

/* --- No credit check badge --- */
.no-credit-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(22,163,74,0.12);
  color: var(--success);
  border: 1.5px solid rgba(22,163,74,0.3);
  padding: 8px 18px;
  border-radius: 100px;
  font-size: 0.85rem;
  font-weight: 700;
}