:root {
  --navy: #374375;
  --cloud: #FFFCF5;
  --periwinkle: #BABDE2;
  --maroon: #895159;
  --peach: #DFAEA1;
  --text: #2c2c3a;
  --muted: #5c6080;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: "Manrope", "Segoe UI", system-ui, -apple-system, sans-serif;
  color: var(--text);
  background: var(--cloud);
}

h1, h2, h3 {
  font-family: "Manrope", "Segoe UI", system-ui, sans-serif;
  letter-spacing: -0.02em;
}

.container {
  max-width: 1040px;
  margin: 0 auto;
  padding: 0 24px;
}

/* LANGUAGE MODAL */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: linear-gradient(135deg, rgba(55,67,117,0.94), rgba(137,81,89,0.94));
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 1000;
}
.modal-overlay.hidden { display: none; }

.modal-box {
  background: var(--cloud);
  padding: 44px 36px;
  border-radius: 20px;
  text-align: center;
  max-width: 360px;
  box-shadow: 0 20px 60px rgba(0,0,0,0.25);
}
.modal-box h2 {
  margin-top: 0;
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--navy);
}
.lang-buttons {
  display: flex;
  gap: 12px;
  margin-top: 22px;
}
.lang-btn {
  flex: 1;
  padding: 14px 10px;
  font-family: inherit;
  font-weight: 600;
  font-size: 1rem;
  border: 2px solid var(--navy);
  background: transparent;
  color: var(--navy);
  border-radius: 999px;
  cursor: pointer;
  transition: all 0.2s ease;
}
.lang-btn:hover {
  background: var(--navy);
  color: #fff;
  transform: translateY(-1px);
}

/* HEADER */
.site-header {
  background: var(--navy);
  color: #fff;
  padding: 18px 0;
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.brand {
  display: flex;
  align-items: center;
  gap: 14px;
}
.headshot {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  object-fit: cover;
  background: #ccc;
  border: 2px solid var(--peach);
}
.name { font-weight: 800; font-size: 1.05rem; }
.title { font-size: 0.85rem; color: var(--peach); font-weight: 500; }
.header-logo {
  height: 34px;
  width: auto;
  margin-left: 6px;
}
.lang-toggle {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.35);
  color: #fff;
  padding: 7px 14px;
  border-radius: 999px;
  cursor: pointer;
  font-weight: 600;
  font-size: 0.82rem;
}
.lang-toggle:hover { background: rgba(255,255,255,0.18); }

/* HERO */
.hero {
  position: relative;
  overflow: hidden;
  padding: 110px 0 100px;
  text-align: left;
  background: linear-gradient(160deg, var(--periwinkle) 0%, var(--cloud) 58%);
}
.hero::before {
  content: "";
  position: absolute;
  top: -180px;
  right: -160px;
  width: 480px;
  height: 480px;
  border-radius: 50%;
  background: radial-gradient(circle at 30% 30%, var(--peach), transparent 70%);
  filter: blur(10px);
  opacity: 0.85;
}
.hero::after {
  content: "";
  position: absolute;
  bottom: -220px;
  left: -140px;
  width: 420px;
  height: 420px;
  border-radius: 50%;
  background: radial-gradient(circle at 60% 40%, var(--maroon), transparent 70%);
  filter: blur(14px);
  opacity: 0.25;
}
.hero .container {
  position: relative;
  z-index: 1;
  max-width: 720px;
}
.hero h1 {
  font-size: clamp(2.3rem, 4.5vw, 3.4rem);
  font-weight: 800;
  line-height: 1.08;
  background: linear-gradient(100deg, var(--navy), var(--maroon));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  margin-bottom: 18px;
}
.subhead {
  color: var(--muted);
  font-size: 1.1rem;
  max-width: 520px;
  margin: 0 0 36px;
  font-weight: 500;
}
.cta-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  justify-content: flex-start;
  margin-bottom: 28px;
}
.cta-btn {
  text-decoration: none;
  padding: 15px 28px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 0.95rem;
  transition: all 0.2s ease;
  display: inline-block;
}
.cta-primary {
  background: linear-gradient(120deg, var(--navy), var(--maroon));
  color: #fff;
  box-shadow: 0 8px 20px rgba(55, 67, 117, 0.28);
}
.cta-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 26px rgba(55, 67, 117, 0.36);
}
.cta-secondary {
  background: var(--peach);
  color: var(--navy);
}
.cta-secondary:hover {
  transform: translateY(-2px);
  background: #d49d8d;
}

/* LOAN PRODUCTS */
.products {
  position: relative;
  overflow: hidden;
  background: linear-gradient(120deg, var(--navy), var(--maroon));
  padding: 64px 0;
  text-align: center;
}
.products::before {
  content: "";
  position: absolute;
  top: -120px;
  left: 50%;
  transform: translateX(-50%);
  width: 500px;
  height: 260px;
  background: radial-gradient(ellipse at center, var(--periwinkle), transparent 70%);
  opacity: 0.35;
  filter: blur(8px);
}
.products .container { position: relative; z-index: 1; }
.products h2 {
  color: #fff;
  font-weight: 800;
  margin-top: 0;
  font-size: 1.8rem;
}
.products p {
  color: rgba(255,255,255,0.88);
  max-width: 640px;
  margin: 14px auto 0;
  line-height: 1.7;
  font-size: 1.05rem;
}

/* ABOUT / BIO */
.about {
  background: var(--cloud);
  padding: 72px 0;
}
.about-grid {
  display: flex;
  gap: 48px;
  align-items: flex-start;
}
.about-photo {
  width: 260px;
  height: 320px;
  object-fit: cover;
  border-radius: 24px;
  flex-shrink: 0;
  box-shadow: 0 16px 40px rgba(55, 67, 117, 0.22);
  outline: 6px solid var(--periwinkle);
  outline-offset: 6px;
}
.about-text h2 {
  color: var(--navy);
  font-weight: 800;
  font-size: 1.7rem;
  margin-top: 0;
}
.about-text p {
  color: var(--text);
  line-height: 1.75;
  margin-bottom: 16px;
}

@media (max-width: 640px) {
  .about-grid {
    flex-direction: column;
    align-items: center;
    text-align: left;
  }
  .about-photo {
    width: 220px;
    height: 260px;
    outline-offset: 4px;
  }
}

/* WHY WORK WITH ME */
.why {
  background: linear-gradient(180deg, var(--cloud), #eef0fa);
  padding: 64px 0;
}
.why h2 {
  color: var(--navy);
  font-weight: 800;
  text-align: center;
  font-size: 1.7rem;
}
.why ul {
  max-width: 520px;
  margin: 28px auto 0;
  padding: 0;
  list-style: none;
}
.why li {
  padding: 12px 0 12px 32px;
  position: relative;
  color: var(--text);
  font-weight: 500;
}
.why li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--maroon);
  font-weight: 800;
}

/* FOOTER / COMPLIANCE */
.site-footer {
  background: #2a3260;
  color: #cbd0ec;
  padding: 44px 0 34px;
  font-size: 0.85rem;
}
.footer-columns {
  display: flex;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
  text-align: left;
}
.footer-col {
  flex: 1;
  min-width: 200px;
}
.footer-col h3 {
  color: #fff;
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin: 0 0 14px;
}
.footer-col p {
  margin: 6px 0;
  color: #cbd0ec;
}
.footer-col a {
  color: #cbd0ec;
  text-decoration: none;
}
.footer-col a:hover {
  color: var(--peach);
}
.contact-name {
  color: #fff;
  font-weight: 800;
  letter-spacing: 0.03em;
}

.social-icons {
  display: flex;
  gap: 14px;
}
.social-icons a {
  color: #cbd0ec;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.25);
  transition: all 0.2s ease;
}
.social-icons a:hover {
  color: var(--navy);
  background: var(--peach);
  border-color: var(--peach);
}

.footer-logo {
  height: 60px;
  width: auto;
  margin-bottom: 10px;
}
.eho-icon {
  margin-top: 12px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.eho-logo {
  height: 34px;
  width: auto;
}
.eho-icon span {
  font-size: 0.72rem;
  color: #cbd0ec;
  max-width: 90px;
  line-height: 1.3;
}

.footer-divider {
  border: none;
  border-top: 1px solid rgba(255,255,255,0.2);
  margin: 28px 0 20px;
}

.nmls-line {
  margin: 4px 0 16px;
}
.nmls-line a {
  color: #cbd0ec;
  text-decoration: underline;
}
.footer-legal-links {
  display: flex;
  gap: 10px;
  color: #cbd0ec;
}
.footer-legal-links a {
  color: #cbd0ec;
  text-decoration: underline;
}
.footer-legal-links a:hover,
.nmls-line a:hover,
.eho a:hover {
  color: var(--peach);
}
.eho {
  max-width: 900px;
  line-height: 1.6;
  color: #cbd0ec;
  margin: 0 0 14px;
}
.eho a {
  color: #cbd0ec;
  text-decoration: underline;
}

@media (max-width: 700px) {
  .footer-columns {
    flex-direction: column;
  }
}

@media (max-width: 480px) {
  .header-inner { flex-direction: column; gap: 10px; }
  .cta-grid { flex-direction: column; }
  .hero { padding: 80px 0 64px; text-align: center; }
  .hero .container { max-width: 100%; }
  .subhead { margin-left: auto; margin-right: auto; }
  .cta-grid { justify-content: center; }
}