/* ===========================
   Base & Reset
   =========================== */
* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}
body {
  font-family: 'Lato', sans-serif;
  color: #333;
  line-height: 1.6;
  background: #fff;
  overflow-x: hidden;
}

.container {
  width: 90%;
  max-width: 1200px;
  margin: auto;
  padding: 1em;
}
.green-header {
  color: #008037;
  font-weight: bolder;
  font-size: 2.5rem;
  text-align: center;
  margin: 0 auto 1em auto;
  line-height: 1.2;
  display: block;
}

.blue-header {
 /* color: #00008B;*/
      color: black;
 font-weight: bolder;
  margin-bottom: 0.5em;
  text-align: center;
    font-size: 2.5rem;
    max-width: 100%;
}


 

/* ===========================
   Header & Navigation
   =========================== */
.header {
  background: transparent !important;  /* Removes green */
  color: #000 !important;              /* Optional: switch text to black */
  padding: 1em 0;
}


.header-grid {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  flex-wrap: wrap;
  gap: 1rem;
}
.header-left {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.logo-img,
.review-img {
 /*max-height: 50%;*/
  height: auto;
  width: 350px;
/*  display: block;*/
}

.logo-desktop {
  display: block;
}

.logo-mobile {
  display: none;
}


/*Desktop Review*/
.review-desktop {
  display: block;
}

.review-mobile {
  display: none;
}

/* Visibility Control */
.desktop-only {
  display: block;
}

.mobile-only {
  display: none;
}

/* ===========================
   Phone Number in Header for MOBILE
   =========================== */

.mobile-phone {
  text-align: center;
 margin: -0.75em 0 0.5em 0; /* Bring it closer to logo + lift everything else */
}

.mobile-phone a {
  color: #008037;
  font-weight: bold;
  font-size: 1.2rem;
  text-decoration: none;
}




/* ===========================
 CALL LINK CLICKABILITY
   =========================== */
 
.track-call {
  position: relative;
  z-index: 10003; /* Higher than desktop-only */
  pointer-events: auto;
  -webkit-tap-highlight-color: rgba(0,0,0,0);
  display: inline-block;
  cursor: pointer;
  text-decoration: none;
  transform: translateZ(0); /* Forces hardware acceleration for better click detection */
}

.track-call:hover {
  opacity: 0.9;
}
/* ===========================
 HEADER LAYER FIX
   =========================== */
.desktop-only {
  position: relative;            /* ensures z-index takes effect */
  z-index: 10001;                /* above sticky CTA (9999) and most overlays */
    overflow: visible; /* This is the key addition */
}

/* Prevent 100vw width from blocking clicks */
.desktop-only > div {
  position: relative;
  z-index: inherit;
  max-width: 100%;
  overflow: visible;
}

/* ===========================
  Desktop phone link fix START
   =========================== */

@media (min-width: 769px) {
  .desktop-only .track-call {
    position: relative;
    z-index: 10005; /* Even higher for desktop */
    pointer-events: all !important;
    display: inline-block !important;
    margin-left: 1em;
    padding: 0.5em; /* Add padding to increase click area */
    border-radius: 4px;
    transition: background-color 0.2s ease;
  }
  
  .desktop-only .track-call:hover {
    background-color: rgba(255, 255, 255, 0.1);
    opacity: 1;
  }
  
  /* Ensure the flex container doesn't interfere */
  .desktop-only > div {
    position: relative;
    z-index: 1;
  }
  
  /* Make sure CTA button doesn't overlap */
  .desktop-only .cta-button {
    z-index: 10004;
    position: relative;
    margin-left: 1em;
  }
}

/* ===========================
  Desktop phone link fix END
   =========================== */


/* ===========================
   Yellow Headline for Desktop + Mobile
   =========================== */

/* Force yellow bar to show on all screen sizes */
.headline-highlight-full {
  width: 100vw;
  margin-left: calc(-1 * (100vw - 100%) / 2); 
  margin-right: calc(-1 * (100vw - 100%) / 2);
  background: #FFE700;
}

.headline-highlight {
  background-color: #FFE700;
  width: 100%;
  padding: 0.9em 1em 0.9em;   /* fix: single, consistent padding */
  margin: 0 auto 0.75em auto; /* fix: stable gap below yellow bar */
  text-align: center;
}

.headline-highlight .blue-header {
   max-width: 100% !important;
    margin-left: 0 !important;
    margin-right: 0 !important;
   padding-left: 0.5em !important;
    padding-right: 0.5em !important;
    font-size: 2rem !important;
    line-height: 1.3 !important;
  }



.mobile-separator {
  height: 2px;
  width: 80%;
  background-color: #008037;
  margin: 1em auto;
  border-radius: 2px;
}


/* ===========================
   Navigation Menu
   =========================== */
nav {
  position: relative;
}
nav ul.menu {
  display: flex;
  list-style: none;
  gap: 1em;
}
nav ul.menu li a {
  text-decoration: none;
  color: white;
}
.menu-icon {
  display: none;
  flex-direction: column;
  cursor: pointer;
}
.menu-icon span,
.menu-icon span::before,
.menu-icon span::after {
  background: white;
  height: 3px;
  width: 25px;
  border-radius: 3px;
  position: relative;
}
.menu-icon span::before,
.menu-icon span::after {
  content: '';
  position: absolute;
}
.menu-icon span::before {
  top: -8px;
}
.menu-icon span::after {
  top: 8px;
}
#menu-toggle {
  display: none;
}
#menu-toggle:checked + .menu-icon + ul {
  display: flex;
  flex-direction: column;
  position: absolute;
  top: 60px;
  right: 0;
  background: #008037;
  width: 200px;
  padding: 1em;
  z-index: 999;
}

.menu-open {
  display: flex !important;
  flex-direction: column;
  position: absolute;
  top: 60px;
  right: 0;
  background: #008037;
  width: 200px;
  padding: 1em;
  z-index: 999;
}
/* ===========================
   Quote Banner
   =========================== */
.quote-banner {
  background: #f4f4f4;
  padding: 1em 0;
  text-align: center;
}
.quote-banner p {
  font-style: italic;
  font-size: 1.1rem;
  color: #333;
}
.quote-credit {
  display: block;
  margin-top: 0.3em;
  font-size: 0.9rem;
  font-weight: bold;
}


/* ===========================
  TOP LENDER SECTION
   =========================== */

.top-lender-photo {
   /* text-align: center;*/
    
}

.top-lender-photo img {
  vertical-align: middle;
}

.top-lender-section {
  background: #f9f9f9;
  /*padding: 2em 1em;
  margin: 2em auto;*/
  border-radius: 8px;
  box-shadow: 0 0 10px rgba(0,0,0,0.05);
}

.bbb-google-review-photo {
  margin-bottom: 2em;  /* fix: normal section spacing */
}


/* ===========================
   Hero Section
   =========================== */
.hero {
  /* background-image: url('../images/neighborhood-wht-background.png');*//* replace with your image path */
    /* background: #ffffff !important;*/
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  position: relative;

 /* position: relative;
  color: white;*/
}

.hero::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
/*  background: rgba(0, 0, 0, 0.4); /* Optional: dark overlay for readability */
  z-index: 0;
}

/*.hero-grid {
  display: flex;
  gap: 2em;
  flex-wrap: wrap;
  position: relative;
  z-index: 1;
}
*/
.hero-grid {
  display: flex;
  flex-direction: column; /* ✅ Stack headline + calculator vertically */
  align-items: center;     /* ✅ Center content */
  gap: 1.5em;
  position: relative;
  z-index: 1
}


.hero-text,
.form-container {
  flex: 1 1 300px;
}

.hero-text ul {
  padding-left: 1em;
  list-style: disc;
    font-size: 1.5rem;
   color: #00008B;
   /* color: #008037;*/
}


  /* ===========================
   SUB HEADLINE for Desktop + Mobile
   =========================== */    
.subheadline {
  display: block;
  font-size: 1.3rem;
  font-weight: bolder;
/*  color: #000;*/
    color: #00008B;
  text-align: center;
    margin-top: 0;  /* fix: no overlap with the yellow bar */
  margin-bottom: 0;/* ⬇ Tighter spacing below */
  line-height: 1.4;
    padding-top: 0em;    /*  Remove top padding */
  padding-bottom: 0.5em; /*  Tighter bottom */
    
   
}

/* Base styling for subheadline spans - desktop keeps them inline */
.subheadline-line1,
.subheadline-line2 {
  display: inline; /* Keep on same line for desktop */
}

/* Typing animation keyframes - defined globally but only used on mobile */
@keyframes typewriter {
  from { width: 0; }
  to { width: 100%; }
}

/* Gentle pulse animation keyframes - defined globally but only used on mobile */
@keyframes gentle-pulse {
  0%, 100% { opacity: 1; }
  50% { opacity: 0.7; }
}
  
  /* ===========================
   SUB HEADLINE for Mobile ONLY 
   =========================== */      

/*.mobile-subheadline {
  display: none;
}
*/

/* ===========================
   GLOBAL ANIMATIONS
   =========================== */
@keyframes bounce-down {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(10px); }
}

/* Global arrow icon style (used by both desktop & mobile) */
.arrow-icon {
  color: #008037;
  font-size: 3rem;
  font-weight: bold;
  animation: bounce-down 0.8s infinite;
}
/* ===========================
   HERO ARROW (DESKTOP ONLY)
   =========================== */
@media (min-width: 1025px) {
  #og_iframe {
    height: 680px;
  }

  .hero {
       padding-top: 0.5em; /* ⬇️ Reduced from 1.5em */
    padding-bottom: 1em;
  }
    
   .hero .form-container {
  margin-top: 0 !important;  /* ✅ Do NOT lift the form */
  position: relative;
  z-index: 1; /* ✅ Ensure form is above background and arrow */
}
/*    .hero-arrow-desktop {
  position: absolute;
  top: 55%;
  left: 50%;
  transform: translate(-50%, 0);
  font-size: 2.5rem;
  z-index: 10;
  display: block;
}*/
    

.hero-arrow-desktop {
  display: flex;
  justify-content: center;
  align-items: center;
   margin-top: -5em;   /*Lower it a little  Lifts arrow closer to subheadline */
  margin-bottom: -1em;    /* Adds space between arrow and form */
  font-size: 2.5rem;
  position: relative;
  z-index: 10;             /*Ensures arrow stays above backgrounds but under form */
}
    
    .subheadline {
    margin-top: 0.5em;
    margin-bottom: 1em;
  }

 
    

}







/* ===========================
   Section Blocks
   =========================== */
.centered {
  text-align: center;
}
section {
  margin-bottom: 2em;
}

/* ===========================
   Form Embed Wrapper
   =========================== */
.responsive-iframe-wrapper {
  overflow: hidden;
  width: 100%;
  max-width: 100%;
  margin: 0 auto;
}

.responsive-iframe-wrapper iframe {
  width: 100%;
  height: 550px;
  border: none;
  display: block;
}

/* ===========================
   Outgrow Calculator Iframe Fix
   =========================== */
#og_iframe {
  background: #fff;  /* ✅ Ensures white background */
  border-radius: 8px;
  box-shadow: 0 0 10px rgba(0,0,0,0.05);
  width: 100%;
  overflow: hidden;
  -webkit-overflow-scrolling: touch;
  padding: 1em; /* ✅ Optional: adds spacing around form */
}

#og_iframe {
  width: 100%;
  overflow: hidden;
  -webkit-overflow-scrolling: touch;
  padding-bottom: 1em;
}


/* ===========================
  NO SSN Disclaimer
   =========================== */

.form-note {
  text-align: center;
  margin-top: 1.5em;
  padding: 1em;
  background-color: #f9f9f9;
  border-radius: 6px;
  font-size: 1rem;
  line-height: 1.5;
  color: #333;
}

.form-note p {
  margin: 0;
}

.form-note strong {
  color: #000;
}

.form-note .privacy-warning {
  display: inline;  /* ⬅ Changed from block */
  color: #008037;
  font-weight: bold;
  margin-left: 0.35em; /* ⬅ Optional: add a little spacing */
}


/* === Tablet === */
@media (min-width: 641px) and (max-width: 1024px) {
  #og_iframe {
    height: 850px;
  }
    
  
  .hero .form-container {
    margin-top: 0 !important; /* Reset for mobile & tablet */
  }

}

/* ===========================
  GREEN ARROW
   =========================== */
.hero-arrow-desktop {
  position: relative;
  z-index: 2; /* ensures it sits above any background image */
}

/* Global arrow icon style */
.arrow-icon {
  color: #008037; /* brand green — make sure it contrasts your background */
  font-size: 3rem;
  font-weight: bold;
 /* animation: bounce-right 0.8s infinite;*/
}


/* ===========================
   Loan Programs Boxes
   =========================== */
.program-grid {
  display: flex;
  justify-content: space-between;
  gap: 2em;
  margin-top: 2em;
  flex-wrap: wrap;
}
.program-box {
  flex: 1 1 30%;
  background: #f9f9f9;
  padding: 1em;
  border-radius: 8px;
  text-align: center;
  box-shadow: 0 0 10px rgba(0,0,0,0.05);
}
.program-img {
  max-width: 100%;
  height: auto;
  border-radius: 6px;
  margin-bottom: 1em;
}
.program-title {
  font-size: 1.1rem;
  color: #008037;
  margin-bottom: 0.5em;
}
.program-desc {
  font-size: 0.95rem;
  color: #444;
}

.program-desc.check-list {
  list-style: none;
  padding-left: 0;
  text-align: left;
  margin-top: 1em;
}

.program-desc.check-list li {
  position: relative;
  padding-left: 1.8em;
  margin-bottom: 0.75em;
  font-size: 0.95rem;
  line-height: 1.5;
  color: #444;
}

/* Fix vertical alignment of checkmark */
.program-desc.check-list li::before {
  content: "✔"; /* Simple clean checkmark character */
  position: absolute;
  left: 0;
  top: 0.15em; /* adjust to visually center */
  font-size: 1rem;
  color: #008037;
  line-height: 1;
}




/* === FREE GUIDE SECTION === */

.free-guide-img {
  display: block;
  max-width: 250px;    /* Adjust width as needed */
  height: auto;
  margin: 0 auto 1em auto; /* Center image + bottom spacing */
  border-radius: 8px;  /* Optional: rounded corners */
  box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); /* Optional: subtle shadow */
}
.free-guide-section {
  background: #f9f9f9;
  padding: 3em 1em;
  margin: 3em auto;
  border-radius: 8px;
  box-shadow: 0 0 10px rgba(0, 0, 0, 0.05);
  max-width: 800px;
}

.free-guide-section .cta-button {
  background-color: #008037 !important;
  color: #fff !important;
}



   /* ------------------------------
   BENEFITS OF A HELOC 08/26/2025
   ------------------------------ */
        /* California Benefits Section */
    .california-benefits-section {
      background: linear-gradient(135deg, #f8f9fa 0%, #e9ecef 100%);
      padding: 4em 1em;
      margin: 3em auto;
      position: relative;
      overflow: hidden;
    }

    .california-benefits-section::before {
      content: '';
      position: absolute;
      top: -50%;
      left: -50%;
      width: 200%;
      height: 200%;
      background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 100 100"><circle cx="50" cy="50" r="2" fill="%23008037" opacity="0.1"/></svg>') repeat;
      animation: float-pattern 20s linear infinite;
      pointer-events: none;
    }

    @keyframes float-pattern {
      0% { transform: translateX(-50px) translateY(-50px); }
      100% { transform: translateX(50px) translateY(50px); }
    }

    .california-benefits-container {
      max-width: 1200px;
      margin: 0 auto;
      position: relative;
      z-index: 2;
    }

    .california-header {
      color: #008037;
      font-weight: bolder;
      font-size: 2.5rem;
      text-align: center;
      margin-bottom: 0.5em;
      line-height: 1.2;
      font-family: Arial, sans-serif;
      position: relative;
    }

    .california-subheader {
      text-align: center;
      font-size: 1.2rem;
      color: #666;
      margin-bottom: 3em;
      font-style: italic;
      font-family: Arial, sans-serif;
    }

    .california-benefits-grid {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
      gap: 2.5em;
      margin-top: 2em;
    }

    .california-benefit-card {
      background: white;
      padding: 2.5em 2em;
      border-radius: 15px;
      box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
      text-align: center;
      position: relative;
      transform: translateY(20px);
      opacity: 0;
      transition: all 0.6s ease;
      overflow: hidden;
    }

    .california-benefit-card.animate-in {
      transform: translateY(0);
      opacity: 1;
    }

    .california-benefit-card:hover {
      transform: translateY(-10px);
      box-shadow: 0 20px 40px rgba(0, 128, 55, 0.15);
    }

    .california-benefit-card::before {
      content: '';
      position: absolute;
      top: 0;
      left: -100%;
      width: 100%;
      height: 4px;
      background: linear-gradient(90deg, #FFE700, #008037);
      transition: left 0.5s ease;
    }

    .california-benefit-card:hover::before {
      left: 0;
    }

    .ca-benefit-icon {
      width: 80px;
      height: 80px;
      margin: 0 auto 1.5em auto;
      background: linear-gradient(135deg, #008037, #00a041);
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 2.5rem;
      position: relative;
      animation: pulse-icon 2s ease-in-out infinite;
    }

    @keyframes pulse-icon {
      0%, 100% { transform: scale(1); }
      50% { transform: scale(1.05); }
    }

    .ca-benefit-title {
      font-size: 1.4rem;
      font-weight: bold;
      color: #008037;
      margin-bottom: 1em;
      line-height: 1.3;
      font-family: Arial, sans-serif;
    }

    .ca-benefit-description {
      font-size: 1.1rem;
      color: #555;
      line-height: 1.6;
      margin-bottom: 1.5em;
      font-family: Arial, sans-serif;
    }

    .ca-benefit-stat {
      background: linear-gradient(135deg, #FFE700, #fff3a0);
      padding: 1em;
      border-radius: 10px;
      font-weight: bold;
      color: #333;
      font-size: 1.1rem;
      font-family: Arial, sans-serif;
      border: 2px solid transparent;
      transition: all 0.3s ease;
    }

    .california-benefit-card:hover .ca-benefit-stat {
      border-color: #008037;
      transform: scale(1.02);
    }

    /* Staggered animation delays */
    .california-benefit-card:nth-child(1) { transition-delay: 0.1s; }
    .california-benefit-card:nth-child(2) { transition-delay: 0.2s; }
    .california-benefit-card:nth-child(3) { transition-delay: 0.3s; }

    /* Mobile Responsive */
    @media (max-width: 768px) {
      .california-benefits-section {
        padding: 3em 1em;
        margin: 2em auto;
      }

      .california-header {
        font-size: 2rem;
      }

      .california-subheader {
        font-size: 1.1rem;
        margin-bottom: 2em;
      }

      .california-benefits-grid {
        grid-template-columns: 1fr;
        gap: 2em;
      }

      .california-benefit-card {
        padding: 2em 1.5em;
      }

      .benefit-icon {
        width: 70px;
        height: 70px;
        font-size: 2rem;
      }

      .benefit-title {
        font-size: 1.3rem;
      }

      .benefit-description {
        font-size: 1rem;
      }
    }

    @media (max-width: 480px) {
      .california-header {
        font-size: 1.8rem;
      }

      .california-benefit-card {
        padding: 1.5em 1em;
      }
    }



    /* ------------------------------
   BENEFITS CONTAINER/ABOUT US SECTION 
   ------------------------------ */
    

.benefits-container {
  max-width: 850px;
  margin: 3em auto;
  padding: 2em;
  background: #fff;
  border: 1px solid #ddd;
  border-radius: 10px;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.05);
    
   
}

.benefit-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75em;
  margin-bottom: 1.15em;
  font-size: 1rem;
  line-height: 1.5;
}

.benefit-item i {
  color: #008037;
  font-size: 1.1rem;
  margin-top: 3px;
}

.benefit-item .text {
  flex: 1;
  font-weight: 400;
}

.benefit-item .text span {
  color: #008037;
  font-weight: 700;
  display: block;
  margin-bottom: 0.2em;
}

#benefits-container {
  text-align: left !important;
}

#benefits-container .benefit-item .text {
  text-align: left !important;
}


#benefits-container .benefit-item .text {
  font-size: 1.1rem;      /*  Increase from 1rem to 1.2rem or higher */
  line-height: 1.6;       /* Optional: improves spacing between lines */
}

#benefits-container .benefit-item .text span {
  font-size: 1.3rem;       /* Bold headline inside each benefit */
  line-height: 1.4;        /* Add space below the green title */
}
    
    /* ------------------------------
   FAQ SECTION STYLING (ELFSIGHT)
   ------------------------------ */
    

.faq-section .elfsight-app-c42e5337-8cb8-42ed-be5b-2fc44d0ed743 {
  margin: 0 auto;
  max-width: 900px;
}

.faq-h2 .fine-print {
  font-size: 0.9rem;
  color: #000;
  font-weight: normal;
}

/* ===========================
 CTA SECTION
   =========================== */
.cta-section {
  background: #008037;
  text-align: center;
  padding: 2.5em 1em;
  margin-top: 3em;
}

.cta-button {
  display: inline-block;
  background-color: #FFE700;
  color: #000;
  padding: 1em 2em;
  text-decoration: none;
  font-weight: bold;
  border-radius: 5px;
  font-size: 1.1rem;
  transition: background-color 0.3s ease;
   text-transform: uppercase;
}

.cta-button:hover {
  background-color: #FFE700;
}

/* === Shows Different 1st Word on Mobile vs. Desktop === */
.desktop-word {
  display: inline;
}
.mobile-word {
  display: none;
}

/* === Sticky CTA Styling === */
#sticky-cta-container.sticky {
  position: fixed;
  bottom: 0;
  left: 0;
  width: 100vw; /* Forces full viewport width */
  background: #008037;
  z-index: 9999;
  box-shadow: 0 -2px 10px rgba(0, 0, 0, 0.1);
  padding: 1em 0;
  margin: 0;
  border: none;
}

#sticky-cta-container.sticky .cta-button {
  max-width: 90%;
  margin: 0 auto;
  display: block;
}

#sticky-cta-container {
  display: none; /* Ensures it's hidden initially */
}





/* ===========================
   Footer Expanded Content
   =========================== */

/* === Override container width for full-width footer === */
.footer .container {
  width: 100vw !important;
  max-width: 100vw !important;
  margin: 0 !important;
  padding: 0 !important;
}


.footer {
  background: #008037;
  color: white;
  padding: 2em 1em;
  text-align: center;
}


.footer-container {
  width: 100%;
  max-width: none;      /* Allow full-width scaling */
  margin: 0;
  padding: 0 1em;
}


.footer h4 {
  font-size: 1.2rem;
  margin-bottom: 0.5em;
}
.footer p {
  margin: 0.5em 0;
}
.nmls-info {
  font-size: 0.95rem;
  margin-top: 1em;
}
.state-list {
  font-size: 0.9rem;
  font-style: italic;
}
.disclaimer {
  font-size: 0.85rem;
  margin-top: 1em;
}
.disclosures a {
  color: white;
  text-decoration: underline;
  margin: 0 0.5em;
}
.equal-housing-logo {
  margin-top: 1.5em;
  background: transparent; /* Removes any inherited background */
  padding: 0;
  display: flex;
  justify-content: center;
}
.equal-housing-logo img {
  max-height: 50px;
  width: auto;
  background: transparent;
width: auto;
}

/* ===========================
  SHOW QUOTE ON MOBILE
   =========================== */

/* Hide on desktop, show on mobile */
.mobile-quote {
  display: none;
  font-style: italic;
  font-size: 1.05rem;
  color: #333;
  text-align: center;
  margin: 1em auto 0.5em auto;
  line-height: 1.4;
  padding: 0 1em;
    color: white;
}

.mobile-quote .quote-credit {
  display: block;
  margin-top: 0.3em;
  font-size: 0.9rem;
  font-weight: bold;
}




/* === VIDEO TESTIMONIALS SECTION === */
.video-testimonials-section {
  margin: 3em auto;
  text-align: center;
}

.video-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 2em;
  justify-content: center;
}

.video-wrapper {
  flex: 1 1 300px;
  max-width: 400px;
  position: relative;
  aspect-ratio: 16 / 9;
}

/* ===========================
  ////////////// MOBILE ///////////////////////////////////////
   =========================== */

/* Mobile layout */
@media (max-width: 768px) {
  .benefits-container {
    padding: 1.5em 1em;
  }

  .benefit-item {
    flex-direction: row;
    align-items: flex-start;
  }

  .benefit-item i {
    font-size: 1.2rem;
  }
    
    /* Enlarge the bold green title like "Loans That Fit Your Strategy" */
.benefit-item .text span {
  font-size: 1.3rem; /* Makes the benefit title more prominent */
}

/* Enlarge and improve spacing for the description text under each benefit */
.benefit-item .text {
  font-size: 1.1rem;     /* Makes body text easier to read on mobile */
  line-height: 1.6;      /* Adds vertical spacing between lines for better readability */
}

  .cta-button {
    margin-top: 2em;
  }
    
    /* Show only on mobile */

  .mobile-quote {
    display: block;
  }

}
/* ===========================
   Responsive: Mobile Adjustments
   =========================== */
@media (max-width: 768px) {
  nav ul.menu {
    display: none;
    flex-direction: column;
  }
    
  .menu-icon {
    display: flex;
  }

    
  .header-grid {
    flex-direction: column;
    align-items: center;
  }
    
    /*This is to adjust the logo/review block on mobile*/
  .header-left {
    align-items: center;
    text-align: center;
    margin-top: -2em; /* Try -1em to -2em for a modest lift */
        gap: 0.25rem; /* Shrinks the space between stacked logo/review */
  }
    /*MOBILE*/
     .logo-desktop {
    display: none;
  }

  .logo-mobile {
    display: block;
    max-width: 300px;
    height: auto;
      
  }
    
 .logo-img {
  
    width: 100%;
    /*max-width: 300px;*/ /*  Change this value */
    height: auto;
  }


.review-img {
  width: 100%;
  max-width: 350px; /* Leave this as-is or adjust as needed */
  height: auto;
}
    /*Mobile Review Visibility - Shows Different Review on MOBILE*/
    .review-desktop {
    display: none;
  }

  .review-mobile {
    display: block;
    max-width: 350px;
    height: auto;
  }
    
    /* Hide arrow on mobile */

  .hero-arrow-desktop {
    display: none;
  }
    
    /*Visibility Control*/
     .desktop-only {
    display: none !important;
  }

  .mobile-only {
    display: block !important;
  }
    
        /* ===========================
  SUBHEADLINE (Mobile Only)
   =========================== */
    
 /*   .subheadline {
  margin-top: 0.25em !important;
  margin-bottom: 1em !important;
  font-size: 1.1rem;
  line-height: 1.4;
}*/
    
    .subheadline {
  margin-top: 0.25em !important;
  margin-bottom: 1em !important;
  font-size: 1.1rem;
  line-height: 1.4;
}

/* MOBILE ONLY: force line breaks + run typewriter, then gentle pulse */
.subheadline-line1,
.subheadline-line2 {
  display: block;               /* put each fragment on its own line on mobile */
  overflow: hidden;             /* hide text until it "types" in */
  white-space: nowrap;          /* typewriter reveals along one line */
  border-right: 2px solid transparent; /* keeps spacing stable (no visible cursor) */
  will-change: width;           /* performance hint for width animation */
}

/* First line types in */
.subheadline-line1 {
  width: 0;                     /* start hidden for typewriter effect */
  animation: typewriter 1.6s steps(40, end) forwards !important;
}

/* Second line types in after a brief delay, then gently pulses */
.subheadline-line2 {
  width: 0;                     /* start hidden for typewriter effect */
  animation:
    typewriter 2s steps(35, end) 0.2s forwards,
    gentle-pulse 2s ease-in-out 2.4s infinite !important;
}
    
     /* ===========================
   NAVIGATION (Mobile Only)
   =========================== */
    
.nav-buttons {
  display: flex;
  flex-direction: column-reverse;
  gap: 1em;
  margin-top: 1.5em;
} 
    /* ===========================
   Hero Headline Reorder (Mobile Only)
   =========================== */
body,
section.quote-banner {
  margin-bottom: 0 !important;
  padding-bottom: 0 !important;
}

header {
  margin-bottom: 0 !important;
  padding-top: 2em !important;
  padding-bottom: 1em !important;
  position: relative;
  z-index: 10;
    
    /*Made background White - Remove if I want to go back to green*/
    background: #fff !important; /* override green */
    color: #000 !important; /* optional: if you want dark text instead of white */
  
}
    
    /* ===========================
   HERO ARROW (MOBILE ONLY)
   =========================== */
.hero-arrow-mobile {
  display: block !important;
  text-align: center;
  margin: 1em auto 0 auto;
  position: relative;
  z-index: 3;
}

.hero-arrow-mobile .arrow-icon {
  color: #008037;
  font-size: 2.5rem;
  font-weight: bold;
  animation: bounce-down 0.8s infinite;
}
    

.quote-banner {
  display: none !important; /* You’re already hiding the text — this fully collapses it */
}

    /*.blue-header {
        font-size: 2rem;
       line-height: 1.1; /*Adjust the spacing between the words for the top Headline*/
        
   
    
    .blue-header {
    color: #000;
    font-size: 2rem;
    line-height: 1.3;
    margin: 0;
    padding: 0;
    background: none !important;
  }

    
   /* Controls top & bottom spacing for the whole hero section */
/* .hero {
  padding-top: 0 !important;
 padding-bottom: 0 !important;
  margin-top: 0 !important;
}*/

  /* Manages layout direction and spacing between hero text and form */
.hero-grid {
  flex-direction: column;
  gap: 0 !important;
}
    
    .hero .container {
  padding-top: 0 !important;
  padding-bottom: 0em !important;
margin-top: 0 !important;  /* fix: prevents the hero text from colliding */
 /* margin-top: -1em !important; /* Adjust this to lift the form block upward */*/
}




  /* Headline text styling */
.hero-text {
  order: -1;
  text-align: center;
  margin: 0 0 0 0 !important; /* ✅ Adjust this value to shift the bottom mainly - 15% large or small so the calculator can show top of fold */
  padding: 0 !important;
}
    


.hero-text h1 {
  color: #000;
  margin: 0 auto 0.25em auto !important;
  padding: 0 1em !important;
  font-size: 2rem;
  line-height: 1.2;
  text-align: center;
  background: none !important;
}
    
      .hero {
    background-color: #fff !important; /* Restore clean white */
  /*  padding-top: 1em !important;*/
    padding-bottom: 0 !important;
    padding-top: 0.25em !important; /* was 1em; brings the hero closer to header */
  }



    
    /* MOBILE yellow box + headline fix */
.headline-highlight {
  background-color: #FFE700;
  width: 100%;
  padding: 1em 1em 1em;     /* consistent padding */
  margin: -0.35em auto 0.75em auto !important; 
  /* top: -0.35em, right/left: auto, bottom: 0.75em */
  box-sizing: border-box;
  text-align: center;
}


    
    
     .headline-highlight .blue-header {
    font-size: 1.8rem;
    line-height: 1.3;
   /* max-width: 38ch;*/
    margin: 0 auto;
    padding: 0;
    color: #000;
  }
  
 /* Force yellow bar to span full screen */
.headline-highlight-full {
  width: 100vw;
  margin-left: calc(-1 * (100vw - 100%) / 2); /* Aligns with rest of the layout */
  margin-right: calc(-1 * (100vw - 100%) / 2);
  background: #FFE700;
}

  /* Hides the bullet list on mobile */
  .hero-text ul {
    display: none;
  }
    
       /* ===========================
        NO SSN Part ON MOBILE
   =========================== */
    .form-note {
    font-size: 0.9rem;
    padding: 0.75em;
          margin-bottom: 1.25em !important; /* fix: normal spacing */
       /* margin-bottom: 6em !important;*/ /* ✅ Add !important to guarantee override */
  }

  .form-note .privacy-warning {
    font-size: 0.9rem;
    margin-top: 0.5em;
  }
    
     /* ===========================
        SUBHEADLINE - SHOW ONLY ON MOBILE
   =========================== */
    
 .hero .mobile-subheadline {
  display: block !important;
  font-size: 1rem;
  font-weight: bold;
  color: #000;
  text-align: center;
  line-height: 1.3;
  max-width: 100%;
     margin: 0.2em 0;
/*  margin: 0.5em auto;*/

}
  
    
    /* ===========================
         REVIEW QUOTE BANNER
   =========================== */

  .quote-banner p {
    display: none;
  }

    
    
/* ===========================
   Loan Programs Mobile
   =========================== */

  .program-grid {
    flex-direction: column;
    gap: 1.5em;
  }

 /* .program-box {
    flex: 1 1 100%;
  }*/
   .program-box {
    text-align: center; /* so icon and title are centered */
  }

  .program-img {
    display: block;
    margin: 0 auto 1em auto;
  }

 .program-title {
    margin-bottom: 1em;
  }
   .program-desc.check-list {
    display: inline-block; /* make the UL a box */
    text-align: left;      /* keep list left-aligned */
    margin: 0 auto;        /* center the box itself */
    padding-left: 0.25em;
  }

  .program-desc.check-list li {
    padding-left: 1.6em;
    font-size: 1rem;
  }

  .program-desc.check-list li::before {
    top: 0.25em;
    font-size: 0.95rem;
  }
    
    /* ------------------------------
   MOBILE ADJUSTMENTS FOR FAQ
   ------------------------------ */
    
    
       /* ------------------------------
   MOBILE ADJUSTMENTS FOR TOP LENDER PHOTO
   ------------------------------ */

 .top-lender-photo {
    text-align: center;
    padding: 1em 0;
  }

  .top-lender-photo img {
    max-width: 100%;
    height: auto;
    display: block;
    margin: 0 auto;
  }


    
     /* ------------------------------
   MOBILE ADJUSTMENTS FOR CTA Section
   ------------------------------ */


     .cta-button {
    width: 100%;
    max-width: 320px;
    margin: 0 auto;
    display: block;
  }
    
    /*Shows the word TAP for Mobile ONLY under the CTA Button*/
     .desktop-word {
    display: none;
  }
  .mobile-word {
    display: inline;
  }
 /* ===========================
   Mobile Form Spacing Fix 768 - FORM CONTAINER
   =========================== */
 .hero .form-container {
  background: #fff !important;
      
  margin-top: -8.75em !important; /* ✅ Removes unwanted lift  try -4em or -4.5em for higher lift Keyword 15% */
  padding: 1.5em 1em 2em 1em !important;
  border-radius: 8px;
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.08);
 margin-bottom: 0.5em !important; /* ← Changed from 2em to 0.5em */
}
    
 .card-form {
  background: #fff !important;
} 
  .form-container .op-interactive {
    display: block;
    width: 100% !important;
    margin: 0 auto;
    min-height: 580px !important; /* or adjust */
  }

  .form-container iframe {
    width: 100% !important;
    height: 100% !important;
    border: none;
    display: block;
  }
   
  #og_iframe {
    min-height: 950px;
    padding-bottom: 1em;
  }
    
    
 /*   .calculator-1,
.calculator-1 .card-form,
.calculator-1 .card {
  padding: 0 !important;
  margin: 0 !important;
  background: transparent !important;
  max-width: 100% !important;
  box-shadow: none !important;
}*/

    
 

  
  
    /* ===========================
   Footer Mobile Adjustments
   =========================== */
.footer {
  padding-top: 3em;
    }
    
  .footer h4 {
    font-size: 1rem;
  }
  .footer p,
  .disclaimer,
  .nmls-info,
  .state-list {
    font-size: 0.85rem;
  }
    
     .footer .container,
  .footer-container {
    width: 100vw !important;
    max-width: 100vw !important;
    margin: 0 !important;
    padding: 0 !important;
  }
    
    /* TEMP: Hide mobile nav icon completely */
.menu-icon {
  display: none !important;
}
}

/*769 - DESKTOP MEDIA*/

@media (min-width: 769px) {
    
      #step3 .nav-buttons {
    gap: 1.5em;
    justify-content: center;
  }

  #step3 .btn {
    min-width: 200px;
  }
    
  .header-left {
    flex-direction: column;
    justify-content: center;
    align-items: center;
    text-align: center;
    width: 100%;
    gap: 0.5em;
  }

  .logo-img {
    display: block;
    margin: 0 auto;
    max-width: 350px;
    height: auto;
  }

  .review-img {
    max-width: 350px;
    width: 100%;
    height: auto;
  }
    
  .subheadline {
  background: black;/* Soft white background */
      color: #FFE700;
   padding: 0.75em 0.75em;                    /* Slightly increased vertical padding */
  border-radius: 0;                     /* Remove round corners */
  display: block;
  width: 100%;
   margin: 0 auto 0.5em auto;      /* REMOVE negative top margin */
  position: relative;
  z-index: 1;
  text-align: center;
}

  .hero-wrapper {
   background-image: url('../images/dscr-neighborhood-bg-black.png');
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
    background-color: #ffffff !important; /* optional: fallback to white */
  }
    
  /*Add a Drop Shadow to calculator*/
  .hero .form-container {
        margin-top: -2.5em !important;  /* fix: keeps the “above the fold” look without overlapping */
     /*  margin-top: -6em !important;*/ /* brings it up closer to subheadline */
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.08); /* ✅ Matches mobile shadow */
    background: #fff !important;               /* ✅ Same white background */
    border-radius: 8px;                        /* ✅ Same rounded edges */
    padding: 1.5em 1em 2em 1em !important;      /* ✅ Matching spacing */
  }


  .headline-highlight-full,
  .hero {
    background: transparent !important;
  }
    /*Margin Space for DSCR LA Loan*/
     .desktop-header-container {
    padding: 0 5em; /* Adjust this as needed: 1.5em–3em for more/less space */
  }
    
 
}
/* === Mobile === */
 @media (max-width: 640px) {
  #og_iframe {
    min-height: 950px;
    background: #fff;
    padding: 1em;
  }
}


/* ===========================
    MOBILE FIXES FOR HEADER TEXT & LAYOUT WIDTH
   =========================== */
@media (max-width: 480px) {
  .form-container iframe {
    height: 820px;
  }


  /*  Scale down big green and blue headers on small screens */
  .green-header,
  .blue-header {
    font-size: 1.8rem !important;     /* Smaller headline size */
    line-height: 1.3 !important;      /* Tighter spacing */
        margin-bottom: 0.2em !important;  /* small breathing room below headline */
  }

  /*  Tighter font + max width for yellow-box headline */
  .headline-highlight .blue-header {
    
    font-size: 1.8rem;
    max-width: 100%;
   padding: 0 0.5em;  /* CHANGED: Reduced from 1em to 0.5em for more space */
  
  }

  /*  Make containers wider on mobile (less padding/squish) */
  .container {
    width: 95% !important;
    padding: 0 1em !important;        /* Add horizontal breathing room */
  }

  .footer-container {
    width: 95% !important;
    max-width: 100% !important;      /* Prevents forced max-width from desktop */
    padding: 0 1em !important;
  }

  /*  Subheadline font tuning for mobile */
  .subheadline {
    font-size: 1rem !important;       /* Smaller, more mobile-friendly text */
    line-height: 1.3 !important;
  }
}