/* ============================================================
   BorrowLA — Global Stylesheet
   Edit this file to change colors, fonts, or layout site-wide.
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700&family=DM+Sans:ital,wght@0,300;0,400;0,500;0,600;1,300&display=swap');

/* ── BRAND TOKENS ── */
:root {
  --gold:         #A89468;
  --gold-light:   #C4AF8A;
  --gold-pale:    #F2EDE4;
  --gold-dark:    #8A7655;
  --slate:        #4A5268;
  --slate-dark:   #2E3447;
  --slate-darker: #1C2133;
  --slate-light:  #6B7490;
  --slate-pale:   #E8EAF0;
  --teal:         #3A9E9A;   /* accent from OC site */
  --teal-dark:    #2C7C79;
  --white:        #FFFFFF;
  --bg:           #F4F2EE;
  --bg-dark:      #EDEAE3;
  --border:       rgba(74,82,104,0.13);
  --text-dark:    #1C2133;
  --text-mid:     #4A5268;
  --text-muted:   #8890A8;
  --radius:       12px;
  --radius-sm:    8px;
  --nav-h:        72px;
  --max-w:        1100px;
}

/* ── RESET ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'DM Sans', sans-serif;
  background: var(--white);
  color: var(--text-dark);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; }
a  { color: inherit; text-decoration: none; }

/* ── TYPOGRAPHY ── */
h1,h2,h3,h4 {
  font-family: 'Playfair Display', serif;
  line-height: 1.2;
  color: var(--text-dark);
}
h1 { font-size: clamp(2rem, 5vw, 3.2rem); font-weight: 700; }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); font-weight: 600; }
h3 { font-size: 1.2rem; font-weight: 600; }
p  { font-size: 0.97rem; color: var(--text-mid); }

/* ── LAYOUT HELPERS ── */
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 1.5rem; }
.section    { padding: 5rem 0; }
.section-sm { padding: 3rem 0; }
.text-center { text-align: center; }
.eyebrow {
  font-family: 'DM Sans', sans-serif;
  font-size: 0.72rem; font-weight: 600;
  letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--gold); margin-bottom: 0.75rem;
}

/* ── BUTTONS ── */
.btn {
  display: inline-flex; align-items: center; gap: 0.4rem;
  padding: 0.75rem 1.75rem; border-radius: 6px;
  font-family: 'DM Sans', sans-serif; font-size: 0.92rem; font-weight: 600;
  border: none; cursor: pointer; transition: all 0.2s; white-space: nowrap;
}
.btn-teal  { background: var(--teal); color: white; }
.btn-teal:hover  { background: var(--teal-dark); transform: translateY(-1px); box-shadow: 0 4px 14px rgba(58,158,154,0.35); }
.btn-gold  { background: var(--gold); color: white; }
.btn-gold:hover  { background: var(--gold-dark); transform: translateY(-1px); }
.btn-slate { background: var(--slate-dark); color: white; }
.btn-slate:hover { background: var(--slate-darker); transform: translateY(-1px); }
.btn-outline { background: transparent; color: white; border: 2px solid rgba(255,255,255,0.6); }
.btn-outline:hover { background: rgba(255,255,255,0.1); }
.btn-lg { padding: 1rem 2.25rem; font-size: 1rem; }

/* ── NAVIGATION ── */
.nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  height: var(--nav-h);
  background: #171c25;
  backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  display: flex; align-items: center;
}
.nav-inner {
  max-width: var(--max-w); margin: 0 auto; padding: 0 1.5rem;
  width: 100%; display: flex; align-items: center; justify-content: space-between;
}
.nav-logo {
  display: flex; align-items: center; gap: 0;
  text-decoration: none;
}
.nav-logo img {
  height: 32px; width: auto;
}
.nav-links { display: flex; align-items: center; gap: 0.25rem; }
.nav-links a {
  padding: 0.45rem 0.85rem; border-radius: 6px;
  font-size: 0.87rem; font-weight: 500; color: rgba(255,255,255,0.75);
  transition: color 0.2s, background 0.2s;
}
.nav-links a:hover { color: white; background: rgba(255,255,255,0.07); }
.nav-links a.active { color: var(--gold-light); }
.nav-cta { margin-left: 0.75rem; }
.nav-hamburger { display: none; background: none; border: none; cursor: pointer; padding: 0.5rem; }
.nav-hamburger span {
  display: block; width: 22px; height: 2px; background: white;
  margin: 4px 0; transition: all 0.3s;
}
.nav-mobile { display: none; }

/* ── HERO ── */
.hero {
  position: relative; min-height: 100vh;
  display: flex; align-items: center;
  background: var(--slate-darker);
  overflow: hidden; padding-top: var(--nav-h);
}
.hero-bg {
  position: absolute; inset: 0;
  background: linear-gradient(120deg, rgba(28,33,51,0.92) 0%, rgba(46,52,71,0.75) 50%, rgba(28,33,51,0.4) 100%);
  z-index: 1;
}
.hero-bg-img {
  position: absolute; inset: 0;
  background: url('images/best_loan_officer_in_long_beach_california_is_borrow_la.jpg') center/cover no-repeat;
}
.hero-content {
  position: relative; z-index: 2;
  max-width: var(--max-w); margin: 0 auto; padding: 0 1.5rem;
  max-width: 680px; padding-left: 1.5rem; padding-right: 1.5rem;
}
.hero h1 { color: white; margin-bottom: 1.25rem; }
.hero h1 em { color: var(--gold-light); font-style: normal; }
.hero-sub {
  font-size: 1.05rem; color: rgba(255,255,255,0.82); margin-bottom: 0.5rem; font-weight: 300;
}
.hero-phone {
  font-size: 1rem; color: rgba(255,255,255,0.9); margin-bottom: 2rem; font-weight: 600;
}
.hero-phone a { color: var(--gold-light); }
.hero-badges {
  margin-top: 2rem;
  font-size: 0.8rem; color: rgba(255,255,255,0.55); font-weight: 400;
  letter-spacing: 0.04em;
}
.hero-badges span { color: rgba(255,255,255,0.4); margin: 0 0.3rem; }

/* ── ABOUT / BROKER SECTION ── */
.about-grid {
  display: grid; grid-template-columns: 1fr 1.4fr;
  gap: 4rem; align-items: center;
}
.about-photo {
  position: relative;
}
.about-photo img, .about-photo .photo-placeholder {
  width: 100%; border-radius: var(--radius);
  box-shadow: 0 20px 60px rgba(0,0,0,0.12);
}
.photo-placeholder {
  aspect-ratio: 4/5; background: var(--slate-pale);
  display: flex; align-items: center; justify-content: center;
  color: var(--text-muted); font-size: 0.85rem; text-align: center;
  border-radius: var(--radius); padding: 2rem;
}
.about-photo::after {
  content: ''; position: absolute;
  bottom: -16px; right: -16px;
  width: 60%; height: 60%;
  background: var(--gold-pale); border-radius: var(--radius);
  z-index: -1;
}
.about-name {
  font-family: 'Playfair Display', serif;
  font-size: 1.65rem; font-weight: 700;
  color: var(--text-dark); margin-bottom: 0.2rem;
}
.about-phone-link {
  font-size: 1.3rem; font-weight: 700;
  color: var(--slate-dark); margin-bottom: 1rem; display: block;
}
.about-phone-link:hover { color: var(--teal); }
.about-intro { margin-bottom: 1.25rem; font-size: 0.97rem; }
.about-bold { font-weight: 700; color: var(--text-dark); margin-bottom: 0.75rem; display: block; }
.benefits-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.5rem 1.5rem; }
.benefit-item { display: flex; flex-direction: column; gap: 0.1rem; }
.benefit-title { font-size: 0.85rem; font-weight: 600; color: var(--text-dark); }
.benefit-desc  { font-size: 0.8rem; color: var(--text-muted); }

/* ── LOCAL EXPERTS ── */
.local-section { background: var(--bg); }
.local-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 4rem; align-items: center;
}
.local-photo img, .local-photo .photo-placeholder {
  width: 100%; border-radius: var(--radius);
  box-shadow: 0 12px 40px rgba(0,0,0,0.1);
}
.local-list { list-style: none; margin: 1rem 0 0; }
.local-list li {
  display: flex; align-items: flex-start; gap: 0.6rem;
  padding: 0.4rem 0; font-size: 0.95rem; font-weight: 500; color: var(--text-dark);
}
.local-list li::before {
  content: '▶';
  color: var(--teal); font-size: 0.65rem; margin-top: 0.35rem; flex-shrink: 0;
}

/* ── INSTAGRAM BANNER ── */
.instagram-banner {
  background: var(--gold);
  position: relative;
}
.instagram-banner::before {
  content: none;
}

/* ── NEWSLETTER STRIP ── */
.newsletter-strip {
  background: var(--gold);
  padding: 5rem 1.5rem;
}
.newsletter-strip-inner {
  max-width: 1100px; margin: 0 auto;
  display: grid; grid-template-columns: 1.15fr 1fr;
  gap: 5rem; align-items: center;
}
.nl-strip-question {
  font-size: 0.78rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase;
  color: rgba(255,255,255,0.6); margin-bottom: 1rem;
}
.nl-strip-text h3 {
  font-family: 'Playfair Display', serif;
  font-size: 2rem; font-weight: 700; color: white;
  margin-bottom: 1rem; line-height: 1.2;
}
.nl-strip-text p {
  color: rgba(255,255,255,0.8); font-size: 0.97rem;
  margin-bottom: 1.5rem; line-height: 1.75;
}
.nl-strip-perks { list-style: none; margin: 0; padding: 0; }
.nl-strip-perks li {
  color: rgba(255,255,255,0.9); font-size: 0.9rem;
  padding: 0.4rem 0; display: flex; align-items: center; gap: 0.65rem;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.nl-strip-perks li:last-child { border-bottom: none; }

/* CTA card */
.nl-strip-cta-side { display: flex; align-items: center; justify-content: center; }
.nl-strip-cta-card {
  background: white; border-radius: 16px;
  padding: 2.5rem 2.25rem;
  box-shadow: 0 24px 64px rgba(0,0,0,0.22);
  text-align: center; width: 100%;
}
.nl-cta-icon { font-size: 2.5rem; margin-bottom: 1rem; display: block; }
.nl-strip-cta-card h4 {
  font-family: 'Playfair Display', serif;
  font-size: 1.25rem; color: var(--text-dark);
  margin-bottom: 0.6rem; line-height: 1.35;
}
.nl-cta-sub {
  font-size: 0.85rem; color: var(--text-muted);
  margin-bottom: 1.75rem; line-height: 1.5;
}
.nl-strip-cta-card .btn {
  display: block; width: 100%; text-align: center;
  padding: 1rem 1.5rem; font-size: 1rem; font-weight: 700;
  border-radius: 8px; letter-spacing: 0.01em;
}
@media(max-width: 820px) {
  .newsletter-strip-inner { grid-template-columns: 1fr; gap: 2.5rem; }
}

/* ── CTA EMAIL BUTTON ── */
.cta-buttons {
  display: flex; gap: 1.5rem; flex-wrap: wrap;
  justify-content: center; align-items: center;
  margin-bottom: 1.5rem;
}
.cta-email-btn {
  display: inline-flex; align-items: center; gap: 0.55rem;
  background: var(--gold); border: 2px solid var(--gold);
  color: white; font-weight: 700; font-size: 1rem;
  padding: 1rem 2.25rem; border-radius: 6px;
  transition: background 0.2s, border-color 0.2s, transform 0.2s;
  cursor: pointer; text-decoration: none; white-space: nowrap;
}
.cta-email-btn:hover { background: var(--gold-dark); border-color: var(--gold-dark); transform: translateY(-2px); }

/* ── TESTIMONIALS ── */
.testimonials-section { background: white; }
.testimonial-carousel { position: relative; max-width: 680px; margin: 0 auto; text-align: center; }
.testimonial-slide { display: none; }
.testimonial-slide.active { display: block; }
.testimonial-avatar {
  width: 64px; height: 64px; border-radius: 50%;
  margin: 0 auto 1.25rem;
  background: var(--slate-pale);
  overflow: hidden;
  display: flex; align-items: center; justify-content: center;
}
.testimonial-avatar img { width: 100%; height: 100%; object-fit: cover; }
.testimonial-quote {
  font-size: 1.1rem; font-style: italic; color: var(--text-dark);
  line-height: 1.7; margin-bottom: 1.25rem;
}
.testimonial-quote::before { content: '\201C'; }
.testimonial-quote::after  { content: '\201D'; }
.testimonial-author { font-size: 1.05rem; font-weight: 700; color: var(--text-mid); }
.testimonial-location { font-size: 0.92rem; color: var(--text-muted); margin-top: 0.15rem; }
.carousel-controls { display: flex; align-items: center; justify-content: center; gap: 1.5rem; margin-top: 2rem; }
.carousel-btn {
  background: none; border: none; cursor: pointer;
  color: var(--text-muted); font-size: 1.4rem; padding: 0.25rem 0.5rem;
  transition: color 0.2s;
}
.carousel-btn:hover { color: var(--slate-dark); }
.carousel-dots { display: flex; gap: 0.4rem; }
.carousel-dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--slate-pale); border: none; cursor: pointer; padding: 0;
  transition: background 0.2s;
}
.carousel-dot.active { background: var(--teal); }

/* ── LOAN PROGRAMS ── */
.loans-section { background: var(--bg); }
.loans-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 1.25rem; margin-top: 2.5rem; }
.loan-card {
  background: white; border-radius: var(--radius);
  border: 1px solid var(--border);
  padding: 2rem 1.5rem; text-align: center;
  transition: box-shadow 0.2s, transform 0.2s;
}
.loan-card:hover { box-shadow: 0 8px 30px rgba(0,0,0,0.08); transform: translateY(-3px); }
.loan-icon {
  width: 52px; height: 52px; border-radius: 14px;
  background: var(--gold-pale); margin: 0 auto 1.1rem;
  display: flex; align-items: center; justify-content: center;
}
.loan-icon svg { width: 26px; height: 26px; stroke: var(--gold); }
.loan-card h3 { font-size: 1.05rem; margin-bottom: 0.5rem; }
.loan-card p  { font-size: 0.85rem; }
.loan-card .learn-more {
  display: inline-block; margin-top: 1rem;
  font-size: 0.82rem; font-weight: 600; color: var(--teal);
  border-bottom: 1px solid transparent; transition: border-color 0.2s;
}
.loan-card .learn-more:hover { border-color: var(--teal); }

/* ── CTA BANNER ── */
.cta-banner {
  background: linear-gradient(135deg, var(--slate-darker) 0%, var(--slate-dark) 60%, var(--slate) 100%);
  position: relative; overflow: hidden;
}
.cta-banner::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse at 80% 50%, rgba(168,148,104,0.15) 0%, transparent 60%);
}
.cta-inner {
  position: relative; z-index: 1; text-align: center; padding: 5rem 1.5rem;
}
.cta-inner .eyebrow { color: var(--gold-light); }
.cta-inner h2 { color: white; margin-bottom: 1.5rem; }
.cta-phone-btn {
  display: inline-flex; align-items: center; gap: 0.5rem;
  background: var(--teal); color: white; padding: 1rem 2.25rem;
  border-radius: 6px; font-size: 1rem; font-weight: 700;
  transition: background 0.2s, transform 0.2s;
}
.cta-phone-btn:hover { background: var(--teal-dark); transform: translateY(-2px); }
.cta-sub {
  margin-top: 1rem; font-size: 0.85rem; color: rgba(255,255,255,0.5);
  display: flex; align-items: center; justify-content: center; gap: 0.4rem;
}

/* ── FOOTER ── */
.footer {
  background: var(--slate-darker);
  padding: 1.5rem 0;
  border-top: 1px solid rgba(255,255,255,0.06);
}
.footer-inner {
  max-width: var(--max-w); margin: 0 auto; padding: 0 1.5rem;
  display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 1rem;
}
.footer-left { font-size: 0.78rem; color: rgba(255,255,255,0.45); line-height: 1.6; }
.footer-left a { color: var(--teal); }
.footer-social { display: flex; gap: 0.75rem; }
.footer-social a {
  width: 34px; height: 34px; border-radius: 8px;
  background: rgba(255,255,255,0.07);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.5); transition: background 0.2s, color 0.2s;
}
.footer-social a:hover { background: var(--teal); color: white; }

/* ── RESPONSIVE ── */
@media (max-width: 900px) {
  .about-grid, .local-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .about-photo::after { display: none; }
  .loans-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .nav-links, .nav-cta { display: none; }
  .nav-hamburger { display: block; }
  .nav-mobile.open {
    display: flex; flex-direction: column;
    position: fixed; top: var(--nav-h); left: 0; right: 0;
    background: #171c25; padding: 1.25rem 1.5rem; gap: 0.5rem;
    border-bottom: 1px solid rgba(255,255,255,0.08); z-index: 99;
  }
  .nav-mobile a {
    padding: 0.75rem 0; font-size: 1rem; color: rgba(255,255,255,0.8);
    border-bottom: 1px solid rgba(255,255,255,0.06);
  }
  .benefits-grid { grid-template-columns: 1fr; }
  .loans-grid { grid-template-columns: 1fr; }
  .instagram-inner { flex-direction: column; text-align: center; gap: 1rem; }
  .footer-inner { flex-direction: column; text-align: center; }
}