/* ====================================
   VA LOANS - JOE METZLER / CAMBRIA MORTGAGE
   Patriotic Red, White & Blue Theme
   Mobile-First, Conversion-Optimized
   2025 Edition
   ==================================== */

/* === CSS Variables === */
:root {
    /* VA Patriotic Colors */
    --va-red:         #B22234;
    --va-red-dark:    #8B1A28;
    --va-red-light:   #CC2E42;
    --va-blue:        #1C3A6E;
    --va-blue-dark:   #122850;
    --va-blue-mid:    #1E4D9B;
    --va-blue-light:  #2563C4;
    --va-white:       #FFFFFF;
    --va-gold:        #C5A028;
    --va-gold-light:  #D4B040;
    --va-green:       #10b981;

    /* Aliases */
    --primary-color:  var(--va-blue);
    --primary-dark:   var(--va-blue-dark);
    --primary-light:  var(--va-blue-light);
    --accent-color:   var(--va-red);
    --accent-dark:    var(--va-red-dark);

    --text-dark:      #1f2937;
    --text-gray:      #6b7280;
    --text-light:     #9ca3af;
    --bg-white:       #ffffff;
    --bg-gray:        #f3f6fb;
    --bg-dark:        #0f1a2e;
    --border-color:   #dce5f0;

    --success-color:  #10b981;
    --warning-color:  #f59e0b;
    --error-color:    #ef4444;

    --font-primary: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

    --radius-sm:  6px;
    --radius-md:  12px;
    --radius-lg:  16px;

    --shadow-sm:  0 1px 2px rgba(0, 0, 0, 0.06);
    --shadow-md:  0 4px 6px rgba(0, 0, 0, 0.08);
    --shadow-lg:  0 10px 15px rgba(0, 0, 0, 0.1);
    --shadow-xl:  0 20px 25px rgba(0, 0, 0, 0.15);

    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

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

html { scroll-behavior: smooth; font-size: 16px; }

body {
    font-family: var(--font-primary);
    color: var(--text-dark);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    background: var(--bg-white);
}

body.nav-open { overflow: hidden; position: fixed; width: 100%; }

img { max-width: 100%; height: auto; display: block; }

img[loading=lazy] { filter: blur(5px); transition: filter 0.3s ease; }
img[loading=lazy].loaded { filter: blur(0); }

a { text-decoration: none; color: inherit; transition: var(--transition); }
a:focus-visible { outline: 3px solid var(--va-blue); outline-offset: 2px; border-radius: 4px; }

button { font-family: inherit; cursor: pointer; border: none; background: none; }
button:focus-visible { outline: 3px solid var(--va-blue); outline-offset: 2px; border-radius: 4px; }

ul { list-style: none; }

*:focus-visible { outline: 3px solid var(--va-blue); outline-offset: 2px; }
*:focus:not(:focus-visible) { outline: none; }

@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
        scroll-behavior: auto !important;
    }
}

/* === Screen Reader Only === */
.sr-only {
    position: absolute !important; width: 1px !important; height: 1px !important;
    padding: 0 !important; margin: -1px !important; overflow: hidden !important;
    clip: rect(0,0,0,0) !important; white-space: nowrap !important; border: 0 !important;
}

/* === Skip Link === */
.skip-link {
    position: absolute; top: -40px; left: 0;
    background: var(--va-red); color: white;
    padding: 8px 16px; z-index: 10000; transition: top 0.3s;
    border-radius: 0 0 4px 0;
}
.skip-link:focus { top: 0; }

/* === Container === */
.container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 20px; }

/* === Sections === */
.section { padding: 60px 0; }
.section-gray { background: var(--bg-gray); }
.section-dark { background: var(--bg-dark); color: white; }
.section-dark-blue { background: var(--va-blue); color: white; }

.section-title {
    font-size: 2rem; font-weight: 700;
    text-align: center; margin-bottom: 12px; line-height: 1.2;
}
.section-subtitle {
    font-size: 1.125rem; color: var(--text-gray);
    text-align: center; margin-bottom: 40px;
}
.section-dark .section-title,
.section-dark-blue .section-title { color: white; }
.section-dark .section-subtitle,
.section-dark-blue .section-subtitle { color: rgba(255,255,255,0.85); }

/* === VA Ribbon (top of header) === */
.va-ribbon {
    background: var(--va-red);
    color: white;
    text-align: center;
    font-size: 0.8125rem;
    font-weight: 600;
    padding: 7px 20px;
    letter-spacing: 0.02em;
}

/* === Mobile CTA Bar === */
.mobile-cta-bar {
    position: fixed; bottom: 0; left: 0; right: 0;
    background: white; padding: 12px 16px;
    display: flex; gap: 12px;
    box-shadow: 0 -4px 12px rgba(0,0,0,0.12);
    z-index: 1000;
    transition: transform 0.3s ease;
    will-change: transform;
}
.mobile-cta-bar.hidden { transform: translateY(100%); }

.mobile-cta-bar .cta-button {
    flex: 1; padding: 14px 20px;
    border-radius: var(--radius-md);
    font-weight: 600; font-size: 0.9375rem;
    text-align: center;
    display: flex; align-items: center; justify-content: center;
    gap: 8px; transition: var(--transition);
}
.cta-call { background: var(--va-blue); color: white; }
.cta-call:hover { background: var(--va-blue-dark); transform: translateY(-1px); }
.cta-quote { background: var(--va-red); color: white; }
.cta-quote:hover { background: var(--va-red-dark); transform: translateY(-1px); }

/* === Header/Navigation === */
.header {
    background: white;
    box-shadow: var(--shadow-sm);
    position: sticky; top: 0; z-index: 999;
    transition: box-shadow 0.3s ease;
}
.header.scrolled { box-shadow: var(--shadow-md); }

.nav {
    display: flex; justify-content: space-between;
    align-items: center; padding: 14px 20px;
}

.nav-brand a {
    display: flex; align-items: center; gap: 12px;
    color: inherit; text-decoration: none;
}
.nav-logo { height: 40px; width: auto; display: block; }
.nav-brand-text { display: flex; flex-direction: column; }
.nav-brand-text div {
    font-size: 1.1rem; font-weight: 700;
    color: var(--va-blue); line-height: 1.2;
}
.nav-tagline { font-size: 0.7rem; color: var(--va-red); font-weight: 600; line-height: 1; }

.nav-toggle {
    display: flex; flex-direction: column;
    gap: 5px; padding: 8px; z-index: 1001;
}
.nav-toggle span {
    width: 25px; height: 3px;
    background: var(--va-blue); border-radius: 2px;
    transition: var(--transition);
}

.nav-menu {
    position: fixed; top: 0; right: -100%;
    width: 280px; height: 100vh;
    background: white;
    padding: 80px 30px 30px;
    box-shadow: var(--shadow-xl);
    transition: right 0.3s cubic-bezier(0.4,0,0.2,1);
    overflow-y: auto;
}
.nav-menu.active { right: 0; }
.nav-menu li { margin-bottom: 24px; }
.nav-menu a {
    font-size: 1.125rem; font-weight: 500;
    color: var(--text-dark); display: block; padding: 8px 0;
}
.nav-menu a:hover { color: var(--va-blue); }
.nav-menu a.active { color: var(--va-blue); font-weight: 600; }
.nav-phone { color: var(--va-red) !important; font-weight: 600 !important; font-size: 1.2rem !important; }

/* === Navigation Dropdown === */
.nav-dropdown { position: relative; }
.nav-dropdown-toggle { display: flex; align-items: center; gap: 4px; cursor: pointer; }
.dropdown-arrow { font-size: 0.7em; transition: transform 0.3s ease; display: inline-block; pointer-events: none; }

.nav-dropdown-menu {
    display: none; position: absolute; top: 100%; left: 0;
    background: white; min-width: 220px;
    box-shadow: var(--shadow-lg); border-radius: var(--radius-md);
    padding: 8px 0; z-index: 1000; margin-top: 0;
    list-style: none; opacity: 0; visibility: hidden;
    transform: translateY(-10px); transition: all 0.2s ease;
    border-top: 3px solid var(--va-red);
}

@media (max-width: 767px) {
    .nav-dropdown-menu {
        position: static; box-shadow: none;
        background: var(--bg-gray); margin-top: 8px;
        padding-left: 20px; transform: none; transition: none;
        border-top: none; border-left: 3px solid var(--va-red);
    }
    .nav-dropdown.active .nav-dropdown-menu { display: block; opacity: 1; visibility: visible; }
    .nav-dropdown-toggle { justify-content: space-between; width: 100%; }
    .nav-dropdown.active .dropdown-arrow { transform: rotate(180deg); }
}

@media (min-width: 768px) {
    .nav-dropdown.active > .nav-dropdown-menu {
        display: block; opacity: 1; visibility: visible; transform: translateY(0);
    }
    .nav-dropdown.active .dropdown-arrow { transform: rotate(180deg); }

    @media (hover: hover) and (pointer: fine) {
        .nav-dropdown:hover > .nav-dropdown-menu {
            display: block; opacity: 1; visibility: visible; transform: translateY(0);
        }
        .nav-dropdown:hover .dropdown-arrow { transform: rotate(180deg); }
        .nav-dropdown-menu::before {
            content: ''; position: absolute; top: -8px;
            left: 0; right: 0; height: 8px; background: transparent;
        }
    }
}

.nav-dropdown-menu li { margin: 0; }
.nav-dropdown-menu a {
    display: block; padding: 12px 20px;
    color: var(--text-dark); font-size: 0.9375rem;
    transition: var(--transition);
}
.nav-dropdown-menu a:hover { background: var(--bg-gray); color: var(--va-blue); }

.nav-cta {
    background: var(--va-red) !important;
    color: white !important;
    padding: 8px 16px !important;
    border-radius: var(--radius-md);
    font-weight: 600;
    transition: var(--transition);
}
.nav-cta:hover {
    background: var(--va-red-dark) !important;
    transform: translateY(-1px); box-shadow: var(--shadow-md);
}

/* === Hero Section === */
.hero {
    position: relative; min-height: 620px;
    display: flex; align-items: center;
    background: linear-gradient(155deg, var(--va-blue-dark) 0%, var(--va-blue) 50%, var(--va-blue-mid) 100%);
    padding: 80px 0 100px; overflow: hidden;
}

/* Animated stars */
.hero-stars { position: absolute; top: 0; left: 0; right: 0; bottom: 0; pointer-events: none; }
.star {
    position: absolute; width: 4px; height: 4px;
    background: rgba(255,255,255,0.6); border-radius: 50%;
    animation: twinkle 3s infinite alternate;
}
.star:nth-child(1)  { top: 10%; left: 8%;  animation-delay: 0s;    width: 3px; height: 3px; }
.star:nth-child(2)  { top: 20%; left: 15%; animation-delay: 0.5s;  width: 5px; height: 5px; }
.star:nth-child(3)  { top: 35%; left: 5%;  animation-delay: 1s; }
.star:nth-child(4)  { top: 60%; left: 12%; animation-delay: 1.5s;  width: 3px; height: 3px; }
.star:nth-child(5)  { top: 75%; left: 20%; animation-delay: 0.8s; }
.star:nth-child(6)  { top: 15%; left: 85%; animation-delay: 0.3s;  width: 3px; height: 3px; }
.star:nth-child(7)  { top: 30%; left: 90%; animation-delay: 1.2s;  width: 5px; height: 5px; }
.star:nth-child(8)  { top: 50%; left: 82%; animation-delay: 0.7s; }
.star:nth-child(9)  { top: 70%; left: 88%; animation-delay: 2s; }
.star:nth-child(10) { top: 85%; left: 75%; animation-delay: 0.4s;  width: 3px; height: 3px; }
.star:nth-child(11) { top: 5%;  left: 50%; animation-delay: 1.8s; }
.star:nth-child(12) { top: 90%; left: 40%; animation-delay: 0.9s;  width: 5px; height: 5px; }

@keyframes twinkle {
    from { opacity: 0.3; transform: scale(0.8); }
    to   { opacity: 1;   transform: scale(1.2); }
}

/* Red stripe accent at bottom of hero */
.hero::after {
    content: '';
    position: absolute; bottom: 0; left: 0; right: 0;
    height: 8px;
    background: linear-gradient(90deg, var(--va-red) 33%, var(--va-white) 33%, var(--va-white) 66%, var(--va-red) 66%);
}

.hero-overlay {
    position: absolute; top: 0; left: 0; right: 0; bottom: 0;
    background: rgba(0,0,0,0.25);
}

.hero-content { position: relative; z-index: 1; transform: translateZ(0); }
.hero-text { max-width: 720px; }

.hero-badge {
    display: inline-flex; align-items: center; gap: 8px;
    background: rgba(178, 34, 52, 0.9);
    color: white; font-weight: 700;
    font-size: 0.875rem; letter-spacing: 0.05em;
    padding: 6px 16px; border-radius: 999px;
    margin-bottom: 20px; text-transform: uppercase;
    border: 1px solid rgba(255,255,255,0.3);
}
.hero-badge-flag { font-size: 1.1rem; }

.hero-title {
    font-size: 2.5rem; font-weight: 800;
    color: white; margin-bottom: 20px; line-height: 1.1;
    text-shadow: 0 2px 8px rgba(0,0,0,0.3);
}

.hero-subtitle {
    font-size: 1.2rem; color: rgba(255,255,255,0.95);
    margin-bottom: 32px; line-height: 1.6;
}
.hero-subtitle strong { color: white; }

.hero-cta {
    display: flex; flex-wrap: wrap;
    gap: 16px; margin-bottom: 40px;
}

.hero-trust {
    display: flex; flex-wrap: wrap; gap: 28px;
    padding-top: 24px;
    border-top: 1px solid rgba(255,255,255,0.25);
}
.trust-item { color: white; font-size: 0.9375rem; }
.trust-item strong {
    display: block; font-size: 1.5rem;
    font-weight: 700; margin-bottom: 2px;
    color: var(--va-gold-light);
}

/* === Trust Badges Strip === */
.trust-badges {
    display: flex;
    gap: 20px;
    justify-content: flex-start;
    flex-wrap: wrap;
    align-items: center;
    margin-top: 24px;
    font-size: 0.9375rem;
    color: rgba(255, 255, 255, 0.9);
}
.trust-badges strong { color: var(--va-gold-light); }

/* === Buttons === */
.button {
    display: inline-block; padding: 12px 24px;
    border-radius: var(--radius-md); font-weight: 600;
    font-size: 1rem; text-align: center;
    transition: var(--transition); border: 2px solid transparent;
}
.button:focus-visible {
    outline: 3px solid var(--va-blue);
    outline-offset: 3px;
    box-shadow: 0 0 0 6px rgba(28, 58, 110, 0.2);
}

.button-primary { background: var(--va-red); color: white; }
.button-primary:hover {
    background: var(--va-red-dark);
    transform: translateY(-2px); box-shadow: var(--shadow-lg);
}
.button-primary:active { transform: translateY(0); }

.button-secondary {
    background: white; color: var(--va-blue);
    border-color: var(--va-blue);
}
.button-secondary:hover { background: var(--va-blue); color: white; }

.button-outline {
    background: transparent; color: white;
    border-color: white;
}
.button-outline:hover { background: white; color: var(--va-blue); }

.button-lg { padding: 16px 32px; font-size: 1.0625rem; }
.button-block { display: block; width: 100%; }

/* === VA Benefits Banner === */
.va-benefits-banner {
    background: white; padding: 28px 0;
    border-bottom: 1px solid var(--border-color);
    border-top: 4px solid var(--va-blue);
}
.va-benefits-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
}
.va-benefit-item {
    display: flex; flex-direction: column;
    align-items: center; gap: 6px;
    padding: 12px; text-align: center;
    border-right: 1px solid var(--border-color);
}
.va-benefit-item:last-child { border-right: none; }
.va-benefit-icon { font-size: 1.75rem; }
.va-benefit-label {
    font-size: 0.8125rem; font-weight: 700;
    color: var(--va-blue); text-transform: uppercase;
    letter-spacing: 0.03em;
}

/* === Services / VA Loan Cards === */
.services-grid { display: grid; gap: 32px; margin-top: 48px; }

.service-card {
    background: white; padding: 40px 32px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    transition: var(--transition);
    border-top: 4px solid var(--va-blue);
    will-change: transform;
}
.service-card:hover {
    transform: translateY(-4px); box-shadow: var(--shadow-xl);
    border-top-color: var(--va-red); will-change: auto;
}
.service-icon { font-size: 3rem; margin-bottom: 20px; }
.service-card h3 { font-size: 1.5rem; font-weight: 700; margin-bottom: 12px; color: var(--va-blue); }
.service-card p { color: var(--text-gray); margin-bottom: 20px; line-height: 1.6; }

.service-features { padding-left: 0; margin-bottom: 24px; }
.service-features li {
    padding: 8px 0 8px 28px; position: relative; color: var(--text-gray);
}
.service-features li::before {
    content: "✓"; position: absolute; left: 0;
    color: var(--va-blue); font-weight: 700;
}

/* === Eligibility Section === */
.eligibility-grid { display: grid; gap: 24px; margin-top: 40px; }
.eligibility-card {
    background: white; padding: 32px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    text-align: center;
    border-bottom: 4px solid var(--va-blue);
    transition: var(--transition);
}
.eligibility-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-xl); }
.eligibility-icon { font-size: 2.5rem; margin-bottom: 16px; }
.eligibility-card h3 { font-size: 1.25rem; font-weight: 700; color: var(--va-blue); margin-bottom: 12px; }
.eligibility-card p { color: var(--text-gray); line-height: 1.6; font-size: 0.9375rem; }

.eligibility-cta {
    text-align: center; margin-top: 48px;
    display: flex; flex-direction: column;
    align-items: center; gap: 16px;
}
.eligibility-note {
    font-size: 1.125rem; color: var(--text-gray);
    max-width: 560px; text-align: center;
}

/* === VA Loan Calculator === */
.calculator-wrapper {
    background: white; border-radius: var(--radius-lg);
    padding: 40px; box-shadow: var(--shadow-xl);
    max-width: 900px; margin: 0 auto;
    border: 3px solid rgba(255,255,255,0.3);
}
.calculator-inputs { display: grid; gap: 24px; margin-bottom: 40px; }

.input-group { display: flex; flex-direction: column; }
.input-group.error input { border-color: var(--error-color); box-shadow: 0 0 0 3px rgba(239,68,68,0.1); }
.input-group label { font-weight: 600; margin-bottom: 8px; color: var(--text-dark); }
.label-note { font-size: 0.8rem; font-weight: 400; color: var(--va-green); margin-left: 4px; }

.input-with-prefix { position: relative; display: flex; align-items: center; }
.input-prefix, .input-suffix {
    position: absolute; color: var(--text-gray);
    font-weight: 600; pointer-events: none; z-index: 1;
}
.input-prefix { left: 16px; }
.input-suffix { right: 16px; }

.input-with-prefix input[type=number] { padding-left: 42px; }
.input-group.has-suffix input[type=number] { padding-right: 42px; padding-left: 16px; width: 100%; }

input[type=number], input[type=text], input[type=email],
input[type=tel], select, textarea {
    width: 100%; padding: 12px 16px;
    border: 2px solid var(--border-color);
    border-radius: var(--radius-md);
    font-size: 1rem; font-family: inherit;
    transition: var(--transition); background: white;
}
input:focus, select:focus, textarea:focus {
    outline: none; border-color: var(--va-blue);
    box-shadow: 0 0 0 3px rgba(28, 58, 110, 0.1);
}
input:hover, select:hover, textarea:hover { border-color: var(--va-blue-light); }
.input-helper { font-size: 0.875rem; color: var(--text-gray); margin-top: 4px; }

.calculator-results {
    background: var(--bg-gray); padding: 32px;
    border-radius: var(--radius-lg);
}

.result-main {
    text-align: center; padding-bottom: 24px;
    margin-bottom: 24px; border-bottom: 1px solid var(--border-color);
}
.result-label { display: block; font-size: 0.875rem; color: var(--text-gray); margin-bottom: 8px; font-weight: 500; }
.result-value { display: block; font-size: 3rem; font-weight: 800; color: var(--va-blue); margin-bottom: 4px; }
.result-sublabel { display: block; font-size: 0.875rem; color: var(--text-gray); }

.result-breakdown { margin-bottom: 20px; }
.breakdown-item {
    display: flex; justify-content: space-between;
    padding: 12px 0; border-bottom: 1px solid var(--border-color);
}
.breakdown-item:last-child { border-bottom: none; }
.breakdown-item span { color: var(--text-gray); }
.breakdown-item strong { color: var(--text-dark); }

.va-savings-note {
    display: flex; align-items: center; gap: 10px;
    background: rgba(16, 185, 129, 0.1);
    border: 1px solid rgba(16, 185, 129, 0.3);
    border-radius: var(--radius-md); padding: 12px 16px;
    margin-bottom: 20px; font-size: 0.9375rem;
    color: #065f46; font-weight: 500;
}
.savings-icon { font-size: 1.25rem; flex-shrink: 0; }

.result-note {
    text-align: center; font-size: 0.8125rem;
    color: var(--text-gray); margin-top: 16px;
}
.result-note a { color: var(--va-blue); }
.result-note a:hover { text-decoration: underline; }

/* === COE Section === */
.coe-section { background: white; }
.coe-grid { display: grid; gap: 48px; align-items: start; }

.coe-badge { font-size: 3rem; margin-bottom: 20px; }
.coe-content h2 { font-size: 2rem; color: var(--va-blue); margin-bottom: 16px; }
.coe-intro {
    font-size: 1.125rem; color: var(--text-gray);
    line-height: 1.7; margin-bottom: 32px;
}
.coe-content h3 {
    font-size: 1.25rem; color: var(--va-blue);
    font-weight: 700; margin: 28px 0 16px;
}

.content-list { list-style: none; margin: 16px 0 24px; padding: 0; }
.content-list li {
    padding: 10px 0 10px 32px; position: relative; line-height: 1.6;
    color: var(--text-gray); border-bottom: 1px solid var(--border-color);
}
.content-list li:last-child { border-bottom: none; }
.content-list li::before {
    content: "✓"; position: absolute; left: 0;
    color: var(--va-blue); font-weight: 700; font-size: 1.1em;
}

.coe-methods { display: flex; flex-direction: column; gap: 20px; margin: 16px 0 32px; }
.coe-method {
    display: flex; gap: 16px; align-items: flex-start;
    background: var(--bg-gray); padding: 20px;
    border-radius: var(--radius-md);
    border-left: 4px solid var(--va-blue);
}
.method-number {
    width: 36px; height: 36px; min-width: 36px;
    background: var(--va-blue); color: white;
    border-radius: 50%; display: flex;
    align-items: center; justify-content: center;
    font-size: 1.1rem; font-weight: 700;
}
.method-content h4 { font-size: 1.0625rem; color: var(--va-blue); margin-bottom: 6px; }
.method-content p { font-size: 0.9375rem; color: var(--text-gray); line-height: 1.6; }
.method-content a { color: var(--va-blue); font-weight: 600; }
.method-content a:hover { text-decoration: underline; }

/* COE Sidebar */
.coe-sidebar { display: flex; flex-direction: column; gap: 24px; }

.coe-info-card {
    background: var(--bg-gray); padding: 32px;
    border-radius: var(--radius-lg);
    border-top: 4px solid var(--va-blue);
}
.coe-info-card h3 { font-size: 1.25rem; color: var(--va-blue); margin-bottom: 20px; }

.coe-docs-list { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 16px; }
.coe-docs-list li {
    padding: 14px; background: white;
    border-radius: var(--radius-md);
    border-left: 4px solid var(--va-red);
    font-size: 0.9375rem; line-height: 1.5; color: var(--text-gray);
}
.coe-docs-list li strong { display: block; color: var(--va-blue); margin-bottom: 4px; }

.coe-cta-card {
    background: var(--va-blue); color: white;
    padding: 32px; border-radius: var(--radius-lg);
    text-align: center;
}
.coe-cta-icon { font-size: 2.5rem; margin-bottom: 16px; }
.coe-cta-card h3 { font-size: 1.25rem; color: white; margin-bottom: 12px; }
.coe-cta-card p { color: rgba(255,255,255,0.9); font-size: 0.9375rem; line-height: 1.6; margin-bottom: 20px; }

/* === VA Loan Process === */
.process-section { background: var(--bg-gray); }
.process-steps-va {
    display: flex; flex-direction: column;
    gap: 0; margin-top: 48px; align-items: center;
}
.process-step-va {
    background: white; padding: 28px;
    border-radius: var(--radius-lg); box-shadow: var(--shadow-md);
    text-align: center; width: 100%;
    border-top: 4px solid var(--va-blue);
    transition: var(--transition);
}
.process-step-va:hover { transform: translateY(-3px); box-shadow: var(--shadow-xl); }
.process-step-va h3 { font-size: 1.125rem; color: var(--va-blue); margin: 12px 0 8px; font-weight: 700; }
.process-step-va p { font-size: 0.9375rem; color: var(--text-gray); line-height: 1.6; }

.step-number {
    width: 48px; height: 48px;
    background: var(--va-red); color: white;
    border-radius: 50%; display: flex;
    align-items: center; justify-content: center;
    font-size: 1.4rem; font-weight: 700;
    margin: 0 auto 4px;
}

.step-arrow {
    font-size: 2rem; color: var(--va-blue);
    font-weight: 700; transform: rotate(90deg);
    padding: 8px; opacity: 0.5;
}

/* === App Section === */
.app-section { background: var(--bg-dark); color: white; }
.app-section .section-title { color: white; font-size: 2.5rem; margin-bottom: 12px; }
.app-section .section-subtitle { color: rgba(255,255,255,0.9); font-size: 1.5rem; margin-bottom: 40px; }

.app-content { display: grid; gap: 48px; align-items: start; margin-bottom: 40px; }
.app-intro h3 { color: var(--va-gold-light); font-size: 1.5rem; margin-bottom: 24px; text-align: center; }
.app-intro p { color: rgba(255,255,255,0.9); font-size: 1.0625rem; line-height: 1.7; margin-bottom: 20px; }

.app-video { display: flex; justify-content: center; }
.video-wrapper {
    position: relative; width: 100%; max-width: 100%;
    aspect-ratio: 16/9; border-radius: var(--radius-lg);
    overflow: hidden; box-shadow: var(--shadow-xl);
    border: 3px solid rgba(255,255,255,0.2);
}
.video-wrapper iframe {
    position: absolute; top: 0; left: 0;
    width: 100%; height: 100%; border-radius: var(--radius-lg);
}

/* === Quote/Apply CTA === */
.quote-wrapper-simple { max-width: 700px; margin: 0 auto; }
.quote-cta-card {
    background: white; padding: 60px 40px;
    border-radius: var(--radius-lg); box-shadow: var(--shadow-xl);
    text-align: center;
    border: 3px solid var(--va-blue);
    position: relative; overflow: hidden;
}
.quote-cta-card::before {
    content: '';
    position: absolute; top: 0; left: 0; right: 0;
    height: 6px;
    background: linear-gradient(90deg, var(--va-red) 33%, var(--va-white) 33%, var(--va-white) 66%, var(--va-blue) 66%);
}

.quote-icon { font-size: 4rem; margin-bottom: 24px; }
.quote-cta-card h2 { font-size: 2.25rem; margin-bottom: 16px; color: var(--va-blue); }
.quote-intro { font-size: 1.2rem; color: var(--text-gray); margin-bottom: 36px; }

.quote-benefits { text-align: left; margin-bottom: 36px; }
.benefit-item { display: flex; align-items: center; gap: 12px; font-size: 1.0625rem; margin-bottom: 14px; }
.benefit-item svg { flex-shrink: 0; }

.form-privacy { margin-top: 20px; font-size: 1rem; color: var(--text-gray); }

/* === Quick Lead Form === */
.quick-lead-form {
    background: var(--bg-white);
    border-radius: var(--radius-lg);
    padding: 32px;
    box-shadow: var(--shadow-lg);
    margin-top: 32px;
    text-align: left;
    border: 2px solid var(--border-color);
}
.quick-lead-form h3 {
    font-size: 1.3rem;
    color: var(--va-blue);
    margin-bottom: 4px;
}
.quick-lead-form p {
    color: var(--text-gray);
    font-size: 0.9rem;
    margin-bottom: 20px;
}
.quick-lead-form input,
.quick-lead-form select {
    width: 100%;
    padding: 14px 16px;
    margin-bottom: 14px;
    border: 2px solid var(--border-color);
    border-radius: var(--radius-md);
    font-size: 16px; /* prevents iOS zoom on focus */
    font-family: inherit;
    transition: var(--transition);
}
.quick-lead-form input:focus,
.quick-lead-form select:focus {
    outline: none;
    border-color: var(--va-blue);
    box-shadow: 0 0 0 3px rgba(28, 58, 110, 0.1);
}
.quick-lead-form button {
    width: 100%;
    padding: 16px;
    background: var(--va-red);
    color: var(--va-white);
    border: none;
    border-radius: var(--radius-md);
    font-size: 1.0625rem;
    font-weight: 700;
    cursor: pointer;
    transition: var(--transition);
}
.quick-lead-form button:hover {
    background: var(--va-red-dark);
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}
.quick-lead-form button:disabled {
    opacity: 0.7;
    cursor: not-allowed;
    transform: none;
}

/* === Reviews === */
.reviews-grid { display: grid; gap: 32px; margin-bottom: 40px; }
.review-card {
    background: white; padding: 32px;
    border-radius: var(--radius-lg); box-shadow: var(--shadow-md);
    border-top: 4px solid var(--va-blue);
}
.review-branch {
    font-size: 0.875rem; font-weight: 700; color: var(--va-red);
    margin-bottom: 8px; text-transform: uppercase; letter-spacing: 0.03em;
}
.review-stars { color: #fbbf24; font-size: 1.25rem; margin-bottom: 14px; }
.review-text { font-size: 1.0625rem; line-height: 1.7; margin-bottom: 20px; color: var(--text-dark); }
.review-author { display: flex; flex-direction: column; gap: 4px; }
.review-author strong { color: var(--va-blue); }
.review-author span { font-size: 0.875rem; color: var(--text-gray); }

.reviews-cta {
    text-align: center; display: flex;
    gap: 16px; justify-content: center; flex-wrap: wrap;
}

/* === About === */
.about-grid { display: grid; gap: 48px; align-items: center; }
.about-content h2 { font-size: 2rem; color: var(--va-blue); margin-bottom: 20px; }
.about-intro { font-size: 1.2rem; color: var(--text-gray); margin-bottom: 24px; }
.about-content p { color: var(--text-gray); margin-bottom: 20px; line-height: 1.7; }

.about-credentials {
    display: grid; gap: 16px; margin: 28px 0;
    padding: 28px; background: var(--bg-gray);
    border-radius: var(--radius-lg);
    border-left: 4px solid var(--va-blue);
}
.credential-item { display: flex; flex-direction: column; }
.credential-item strong { color: var(--va-blue); font-size: 1.1rem; margin-bottom: 4px; }
.credential-item span { color: var(--text-gray); font-size: 0.9375rem; }

.about-image img { width: 100%; height: auto; border-radius: var(--radius-lg); }
.placeholder-image {
    background: var(--bg-gray); border-radius: var(--radius-lg);
    aspect-ratio: 4/3; display: flex; align-items: center;
    justify-content: center; padding: 40px; text-align: center;
    color: var(--text-gray); border: 2px dashed var(--border-color);
}

/* === Contact === */
.contact-grid { display: grid; gap: 24px; max-width: 900px; margin: 0 auto; }
.contact-card {
    background: rgba(255,255,255,0.08); padding: 32px;
    border-radius: var(--radius-lg); text-align: center;
    transition: var(--transition); border: 1px solid rgba(255,255,255,0.12);
}
.contact-card:hover { background: rgba(255,255,255,0.14); transform: translateY(-4px); }
.contact-icon { font-size: 2.5rem; margin-bottom: 16px; }
.contact-card h3 { font-size: 1.25rem; margin-bottom: 12px; color: white; }
.contact-card p { font-size: 1.1rem; margin-bottom: 8px; color: rgba(255,255,255,0.95); }
.contact-link { font-size: 0.9375rem; color: rgba(255,255,255,0.65); }

/* === Footer === */
.footer {
    background: var(--va-blue-dark); color: rgba(255,255,255,0.8);
    padding: 60px 0 30px;
    border-top: 5px solid var(--va-red);
}
.footer-grid { display: grid; gap: 40px; margin-bottom: 40px; }
.footer-col h4 { color: white; font-size: 1.125rem; margin-bottom: 16px; }
.footer-col p { margin-bottom: 12px; line-height: 1.6; }
.footer-phone { font-size: 1.2rem; font-weight: 600; color: var(--va-gold-light) !important; }
.footer-email a { color: var(--va-gold-light); word-break: break-word; }
.footer-email a:hover { text-decoration: underline; color: var(--va-gold); }
.footer-col ul li { margin-bottom: 8px; }
.footer-col a:hover { color: white; }

.footer-va-seal {
    margin-top: 24px; padding: 16px;
    background: rgba(178, 34, 52, 0.2);
    border-radius: var(--radius-md);
    border: 1px solid rgba(178, 34, 52, 0.4);
    text-align: center;
}
.va-seal-text { color: white; font-weight: 700; font-size: 1rem; margin-bottom: 4px; }
.va-seal-sub { color: rgba(255,255,255,0.7); font-size: 0.8125rem; }

.footer-bottom {
    text-align: center; padding-top: 32px;
    border-top: 1px solid rgba(255,255,255,0.12);
}
.footer-bottom p { margin-bottom: 8px; font-size: 0.875rem; }
.footer-disclaimer { font-size: 0.8125rem; color: rgba(255,255,255,0.55); max-width: 800px; margin: 0 auto 16px; line-height: 1.6; }

.footer-links {
    display: flex; justify-content: center;
    gap: 24px; margin-top: 16px; flex-wrap: wrap;
}
.footer-links a { font-size: 0.875rem; color: rgba(255,255,255,0.75); }
.footer-links a:hover { color: white; }

.equal-housing {
    display: flex; align-items: center; justify-content: center;
    gap: 8px; margin: 12px 0;
}
.equal-housing img { width: 30px; height: 30px; }
.equal-housing span { font-size: 0.875rem; color: rgba(255,255,255,0.85); font-weight: 500; }

/* === Social Links === */
.social-links { display: flex; gap: 16px; margin-top: 20px; }
.social-links a {
    width: 40px; height: 40px; display: flex;
    align-items: center; justify-content: center;
    background: rgba(255,255,255,0.1);
    border-radius: 50%; color: rgba(255,255,255,0.8);
    transition: var(--transition);
}
.social-links a:hover { background: var(--va-red); color: white; transform: translateY(-2px); }

/* === Modal === */
.modal {
    display: none; position: fixed; top: 0; left: 0;
    right: 0; bottom: 0; background: rgba(0,0,0,0.75);
    z-index: 10000; align-items: center; justify-content: center; padding: 20px;
}
.modal.active { display: flex; }
.modal-content {
    background: white; padding: 48px;
    border-radius: var(--radius-lg);
    max-width: 500px; width: 100%;
    text-align: center; position: relative;
    border-top: 6px solid var(--va-red);
}
.modal-close {
    position: absolute; top: 16px; right: 16px;
    font-size: 2rem; color: var(--text-gray);
    cursor: pointer; line-height: 1;
    background: none; border: none; transition: var(--transition);
}
.modal-close:hover { color: var(--text-dark); }
.modal-icon {
    width: 80px; height: 80px; background: var(--va-blue); color: white;
    border-radius: 50%; display: flex; align-items: center; justify-content: center;
    font-size: 3rem; margin: 0 auto 24px;
}
.modal-content h3 { font-size: 1.75rem; margin-bottom: 16px; color: var(--va-blue); }
.modal-content p { color: var(--text-gray); margin-bottom: 12px; line-height: 1.6; }

/* === Utilities === */
.text-center { text-align: center; }
.hide-mobile { display: none; }
.hide-desktop { display: block; }

/* === Loading === */
@keyframes spin { to { transform: rotate(360deg); } }
@keyframes loading { 0% { background-position: 200% 0; } 100% { background-position: -200% 0; } }

/* === iOS/iPad Fixes === */
@media (min-width: 768px) and (max-width: 1024px) {
    .input-with-prefix input[type=number] {
        -webkit-appearance: none; appearance: none;
        border-radius: var(--radius-md); font-size: 16px; min-height: 44px;
    }
    .input-suffix {
        position: absolute; right: 16px; top: 50%; transform: translateY(-50%);
        color: var(--text-gray); font-weight: 600; pointer-events: none; z-index: 1;
    }
    #interestRate { padding-right: 42px !important; text-align: left; }
    input[type=number]::-webkit-outer-spin-button,
    input[type=number]::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
    input[type=number] { -moz-appearance: textfield; }
}

@supports (-webkit-touch-callout: none) {
    .input-group.has-suffix input[type="number"] {
        font-size: 16px !important; -webkit-appearance: none;
        border-radius: var(--radius-md);
    }
}

/* === Print === */
@media print {
    .mobile-cta-bar, .header, .hero, .quote-section,
    .contact, .footer, .nav-toggle, .button { display: none !important; }
    body { font-size: 12pt; line-height: 1.5; color: #000; }
    .section { padding: 1rem 0; }
    .service-card, .review-card { box-shadow: none; border: 1px solid #ccc; break-inside: avoid; }
}

/* === High Contrast === */
@media (prefers-contrast: high) {
    :root { --va-blue: #0a2244; --text-gray: #4a4a4a; --border-color: #000; }
    .button-primary, .button-secondary { border: 2px solid #000; }
}

/* ============================================
   RESPONSIVE BREAKPOINTS
   ============================================ */

/* === Mobile (default - up to 767px) === */
@media (max-width: 767px) {
    .hide-mobile { display: block; }
    .hide-desktop { display: none; }
    .nav-logo { height: 35px; }
    .nav-brand-text div { font-size: 1rem; }
    .nav-tagline { font-size: 0.65rem; }

    .hero-title { font-size: 1.9rem; }
    .hero-subtitle { font-size: 1.05rem; }
    .hero-cta { flex-direction: column; }
    .hero-cta .button { width: 100%; }

    .va-benefits-grid { grid-template-columns: repeat(2, 1fr); }
    .va-benefit-item { border-right: none; border-bottom: 1px solid var(--border-color); }
    .va-benefit-item:nth-child(5), .va-benefit-item:nth-child(6) { border-bottom: none; }

    .eligibility-cta { flex-direction: column; width: 100%; }
    .eligibility-cta .button { width: 100%; }

    .quote-cta-card { padding: 40px 24px; }
    .quote-cta-card h2 { font-size: 1.75rem; }

    .about-grid { grid-template-columns: 1fr; }
    .coe-grid { grid-template-columns: 1fr; }
}

/* === Tablet (768px+) === */
@media (min-width: 768px) {
    .hide-mobile { display: none; }
    .hide-desktop { display: block; }

    .section { padding: 80px 0; }
    .section-title { font-size: 2.5rem; }
    .mobile-cta-bar { display: none; }

    .nav-logo { height: 45px; }
    .nav-brand-text div { font-size: 1.2rem; }
    .nav-tagline { font-size: 0.75rem; }
    .nav-toggle { display: none; }
    .nav-menu {
        position: static; width: auto; height: auto; padding: 0;
        display: flex; align-items: center; gap: 28px;
        box-shadow: none; overflow-y: visible;
    }
    .nav-menu li { margin-bottom: 0; }
    .nav-menu a { font-size: 0.9375rem; padding: 0; }

    .hero { min-height: 620px; padding: 120px 0; }
    .hero-title { font-size: 3.25rem; }

    .va-benefits-grid { grid-template-columns: repeat(6, 1fr); }
    .va-benefit-item { border-bottom: none; border-right: 1px solid var(--border-color); }
    .va-benefit-item:last-child { border-right: none; }

    .services-grid { grid-template-columns: repeat(2, 1fr); }
    .eligibility-grid { grid-template-columns: repeat(2, 1fr); }
    .eligibility-cta { flex-direction: row; }
    .calculator-inputs { grid-template-columns: repeat(2, 1fr); }
    .reviews-grid { grid-template-columns: repeat(2, 1fr); }
    .about-grid { grid-template-columns: 1fr 1fr; }
    .coe-grid { grid-template-columns: 1fr; }
    .contact-grid { grid-template-columns: repeat(2, 1fr); }
    .footer-grid { grid-template-columns: repeat(2, 1fr); }

    .process-steps-va {
        flex-direction: row; flex-wrap: wrap;
        justify-content: center; gap: 0;
    }
    .process-step-va { width: 160px; flex-shrink: 0; }
    .step-arrow { transform: rotate(0deg); font-size: 1.75rem; padding: 0 4px; align-self: center; }
}

/* === Desktop (1024px+) === */
@media (min-width: 1024px) {
    .section { padding: 100px 0; }
    .nav-logo { height: 50px; }
    .hero-title { font-size: 4rem; }

    .services-grid { grid-template-columns: repeat(3, 1fr); }
    .eligibility-grid { grid-template-columns: repeat(4, 1fr); }
    .reviews-grid { grid-template-columns: repeat(3, 1fr); }
    .contact-grid { grid-template-columns: repeat(4, 1fr); }
    .footer-grid { grid-template-columns: repeat(4, 1fr); }
    .coe-grid { grid-template-columns: 1.6fr 1fr; }

    .process-steps-va { flex-wrap: nowrap; }
    .process-step-va { width: auto; flex: 1; }

    /* App layout */
    .app-content { grid-template-columns: 1fr 1.5fr; gap: 60px; align-items: center; }
    .app-intro h3 { text-align: left; font-size: 1.75rem; }
}

/* === Large Desktop (1280px+) === */
@media (min-width: 1280px) {
    .nav-logo { height: 55px; }
    .app-content { grid-template-columns: 1fr 2fr; gap: 80px; }
}

@media (min-width: 1440px) {
    .app-content { grid-template-columns: 1fr 2.2fr; gap: 100px; }
}

/* === Hero Quick Lead Form === */
.hero-quick-lead {
    max-width: 460px;
    margin-top: 32px;
    background: var(--va-white);
    border-radius: var(--radius-lg);
    padding: 28px;
    box-shadow: var(--shadow-xl);
    border: none;
}
.hero-quick-lead h3 {
    color: var(--va-blue);
    font-size: 1.2rem;
    font-weight: 700;
    margin-bottom: 4px;
}
.hero-quick-lead p {
    color: var(--text-gray);
    font-size: 0.875rem;
    margin-bottom: 16px;
}
.hero-quick-lead input,
.hero-quick-lead select {
    padding: 12px 14px;
    margin-bottom: 12px;
    font-size: 16px;
}
.hero-quick-lead button {
    padding: 14px;
    font-size: 1rem;
}

/* Mobile: make hero form full-width */
@media (max-width: 767px) {
    .hero-quick-lead {
        max-width: 100%;
        margin-top: 28px;
        padding: 24px 20px;
    }
}

/* Update each card to use proper branch class */
.branch-badge {
  display: inline-block;
  padding: 4px 12px;
  border-radius: 4px;
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: white;
}

.branch-badge.army { background: #4a5d23; }        /* Army green */
.branch-badge.navy { background: #1f3a5f; }        /* Navy blue */
.branch-badge.air-force { background: #5b7bb4; }   /* Air Force blue */
.branch-badge.marines { background: #7b2c25; }     /* Marine red */
.branch-badge.coast-guard { background: #c41e3a; } /* Coast Guard red */
.branch-badge.space-force { background: #4a5568; } /* Space Force gray */

/* Update each card to use proper branch class */