/*
Theme Name: Jae's Home Loans
Theme URI: https://www.jaeshomeloans.com
Author: Jae Hong
Description: Lightweight theme for jaeshomeloans.com — no page builder. Home, Korean, Application and Tools pages are built in (front-page.php, page-korean.php, page-application.php, page-tools.php); contact and licensing details live in functions.php.
Version: 1.31
Requires at least: 6.0
Requires PHP: 7.4
Text Domain: jhl
*/

:root {
  --navy: #0d2c40;
  --navy-2: #163f5a;
  --teal: #0a7fa8;
  --teal-dark: #08698b;
  --teal-soft: #0a7fa814;
  --bg: #f6f8f9;
  --surface: #ffffff;
  --border: #dfe5e9;
  --ink: #15212b;
  --ink-muted: #556370;
  --green: #237a57;
  --amber: #b9770e;
  --coral: #c2463b;
  --maroon: #9e2121;
  --font-display: 'Source Serif 4', Georgia, serif;
  --font-body: 'Public Sans', system-ui, -apple-system, sans-serif;
  --gold: #c8963e;
  --gold-soft: #c8963e1f;
  --sand: #f5f0e8;
  --radius: 16px;
  --shadow: 0 18px 40px -28px rgba(13, 44, 64, 0.45);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0; background: var(--bg); color: var(--ink);
  font-family: var(--font-body); font-size: 16px; line-height: 1.6;
}
body.lang-ko { font-family: var(--font-body), 'Noto Sans KR', sans-serif; word-break: keep-all; }
h1, h2, h3 { font-family: var(--font-display); line-height: 1.2; margin: 0; text-wrap: balance; color: var(--navy); }
body.lang-ko h1, body.lang-ko h2, body.lang-ko h3 { font-family: 'Source Serif 4', 'Noto Serif KR', Georgia, serif; }
p { margin: 0 0 1em; }
a { color: var(--teal); }
img { max-width: 100%; height: auto; display: block; }

.container { max-width: 1120px; margin: 0 auto; padding-inline: 20px; }
.section { padding-block: 72px; }
.section.alt { background: var(--surface); border-block: 1px solid var(--border); }
.section-head { max-width: 640px; margin-bottom: 36px; }
.section-head h2 { font-size: clamp(1.6rem, 3vw, 2.1rem); margin-bottom: 10px; }
.section-head p { color: var(--ink-muted); margin: 0; }
.eyebrow {
  display: flex; align-items: center; gap: 10px;
  font-size: 0.74rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--teal); margin-bottom: 12px;
}
.eyebrow::before { content: ""; width: 26px; height: 2px; background: var(--gold); border-radius: 2px; }

/* --- Buttons --- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 13px 22px; border-radius: 999px; font-weight: 700; font-size: 0.97rem;
  text-decoration: none; border: 2px solid transparent; cursor: pointer;
  transition: background .15s ease, transform .12s ease, box-shadow .12s ease;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--teal); color: #fff; box-shadow: 0 10px 22px -12px var(--teal); }
.btn-primary:hover { background: var(--teal-dark); }
.btn-outline { border-color: var(--navy); color: var(--navy); background: transparent; }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-light { background: #fff; color: var(--navy); }
.btn-ghost-light { border-color: #ffffff80; color: #fff; }
.btn-ghost-light:hover { background: #ffffff1a; }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; }
.btn-sm { padding: 9px 16px; font-size: 0.9rem; }
.contact-actions { display: flex; flex-wrap: wrap; gap: 8px; }
.contact-label { margin: 18px 0 8px; font-size: 0.86rem; font-weight: 600; color: var(--ink-muted); }
.cta-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 12px; }

/* --- Header --- */
.site-header { background: var(--surface); border-bottom: 1px solid var(--border); position: sticky; top: 0; z-index: 20; }
.site-header .container { display: flex; align-items: center; gap: 20px; min-height: 68px; flex-wrap: wrap; }
.site-brand { text-decoration: none; display: flex; flex-direction: column; line-height: 1.15; margin-right: auto; padding-block: 10px; }
.site-brand .name { font-family: var(--font-display); font-weight: 700; font-size: 1.3rem; color: var(--navy); }
.site-brand .tagline { font-size: 0.74rem; color: var(--ink-muted); letter-spacing: 0.02em; }
.site-nav { display: flex; align-items: center; gap: 4px; flex-wrap: wrap; }
.site-nav a { text-decoration: none; color: var(--ink); font-weight: 600; font-size: 0.93rem; padding: 8px 12px; border-radius: 999px; }
.site-nav a:hover { background: var(--teal-soft); color: var(--teal-dark); }
.site-nav a.current { color: var(--teal-dark); background: var(--teal-soft); }
.header-cta { padding: 9px 18px; font-size: 0.93rem; }
@media (max-width: 760px) {
  .site-header { position: static; }
  .site-header .container { gap: 0 12px; }
  .header-cta { padding: 8px 16px; font-size: 0.88rem; }
  .site-nav { order: 3; width: 100%; padding-bottom: 10px; gap: 2px; margin-left: -10px; }
  .site-nav a { padding: 7px 10px; font-size: 0.88rem; }
}

/* --- Hero --- */
.hero { padding-block: 64px 72px; background: linear-gradient(180deg, var(--surface), var(--bg)); }
.hero .container { display: grid; grid-template-columns: 1.25fr 0.75fr; gap: 56px; align-items: center; }
.hero h1 { font-size: clamp(2.2rem, 5vw, 3.4rem); margin-bottom: 18px; }
.hero .lead { font-size: 1.13rem; color: var(--ink-muted); max-width: 56ch; margin-bottom: 28px; }
.hero .fine { margin-top: 18px; font-size: 0.86rem; color: var(--ink-muted); }
@media (max-width: 880px) { .hero .container { grid-template-columns: 1fr; gap: 40px; } }

/* --- Cards & grids --- */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
@media (max-width: 900px) { .grid-3 { grid-template-columns: 1fr 1fr; } }
@media (max-width: 620px) { .grid-3, .grid-2 { grid-template-columns: 1fr; } }
.card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: 22px 22px 20px; }
.section.alt .card { background: var(--bg); }
.card h3 { font-size: 1.12rem; margin-bottom: 8px; }
.card p { color: var(--ink-muted); font-size: 0.95rem; margin: 0; }
.card .icon {
  width: 40px; height: 40px; border-radius: 12px; display: grid; place-items: center;
  background: var(--teal-soft); color: var(--teal); margin-bottom: 14px;
}

/* Numbered steps */
.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(5, 1fr); gap: 14px; counter-reset: step; }
@media (max-width: 980px) { .steps { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .steps { grid-template-columns: 1fr; } }
.steps li { counter-increment: step; background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: 20px; }
.steps li::before {
  content: counter(step); display: grid; place-items: center; width: 32px; height: 32px; border-radius: 50%;
  background: var(--navy); color: #fff; font-weight: 700; font-size: 0.9rem; margin-bottom: 12px;
}
.steps h3 { font-size: 1.02rem; margin-bottom: 6px; }
.steps p { color: var(--ink-muted); font-size: 0.92rem; margin: 0; }
.steps.vertical { grid-template-columns: 1fr; max-width: 760px; }
.steps.vertical li { display: grid; grid-template-columns: 32px 1fr; column-gap: 16px; }
.steps.vertical li::before { grid-row: span 2; margin: 0; }

/* Plain checklist */
.checklist { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.checklist li { position: relative; padding-left: 30px; }
.checklist li::before {
  content: ""; position: absolute; left: 0; top: 4px; width: 18px; height: 18px; border-radius: 50%;
  background: var(--teal-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230a7fa8' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12.5l4 4 8-9'/%3E%3C/svg%3E") center / 12px no-repeat;
}

/* --- CTA band --- */
.cta-band { background: var(--navy); color: #fff; padding-block: 56px; }
.cta-band .container { display: flex; align-items: center; justify-content: space-between; gap: 28px; flex-wrap: wrap; }
.cta-band h2 { color: #fff; font-size: clamp(1.5rem, 3vw, 2rem); margin-bottom: 6px; }
.cta-band p { color: #c9d6df; margin: 0; }

/* --- Page hero (inner pages) --- */
.page-hero { padding-block: 56px 40px; background: var(--surface); border-bottom: 1px solid var(--border); }
.page-hero h1 { font-size: clamp(2rem, 4.4vw, 2.8rem); margin-bottom: 14px; }
.page-hero .lead { font-size: 1.08rem; color: var(--ink-muted); max-width: 62ch; margin-bottom: 24px; }
.note {
  background: var(--teal-soft); border: 1px solid #0a7fa833; border-radius: 12px;
  padding: 14px 18px; font-size: 0.93rem; color: var(--ink); max-width: 760px;
}
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
@media (max-width: 860px) { .two-col { grid-template-columns: 1fr; gap: 32px; } }
.two-col h2 { font-size: 1.5rem; margin-bottom: 16px; }

/* --- Calculators --- */
.tool-tabs { display: grid; grid-template-columns: repeat(5, 1fr); gap: 12px; margin-bottom: 24px; }
@media (max-width: 900px) {
  .tool-tabs { display: flex; overflow-x: auto; scroll-snap-type: x mandatory; padding-bottom: 6px; margin-inline: -20px; padding-inline: 20px; }
  .tool-tabs button { flex: 0 0 170px; scroll-snap-align: start; }
}
.tool-tabs button {
  font: inherit; text-align: left; cursor: pointer; display: flex; flex-direction: column; gap: 2px;
  padding: 16px; border-radius: 16px; border: 1px solid var(--border); background: var(--surface); color: var(--ink);
  transition: border-color .15s ease, transform .12s ease, box-shadow .15s ease;
}
.tool-tabs button:hover { border-color: var(--teal); transform: translateY(-2px); }
.tool-tabs .icon { width: 38px; height: 38px; border-radius: 11px; display: grid; place-items: center; background: var(--teal-soft); color: var(--teal); margin-bottom: 8px; }
.tool-tabs strong { font-family: var(--font-display); font-size: 1rem; color: var(--navy); }
.tool-tabs small { font-size: 0.8rem; color: var(--ink-muted); }
.tool-tabs button[aria-selected="true"] { background: var(--navy); border-color: var(--navy); box-shadow: inset 0 -4px 0 var(--gold), var(--shadow); }
.tool-tabs button[aria-selected="true"] strong { color: #fff; }
.tool-tabs button[aria-selected="true"] small { color: #a9c3d3; }
.tool-tabs button[aria-selected="true"] .icon { background: #ffffff1a; color: #e8c98f; }

.calc { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 0; background: var(--surface); border: 1px solid var(--border); border-top: 4px solid var(--gold); border-radius: 20px; box-shadow: var(--shadow); overflow: hidden; }
@media (max-width: 860px) { .calc { grid-template-columns: 1fr; } }
.calc-form { padding: 26px; display: grid; grid-template-columns: 1fr 1fr; gap: 16px 18px; align-content: start; }
@media (max-width: 520px) { .calc-form { grid-template-columns: 1fr; padding: 20px; } }
.calc-form .full { grid-column: 1 / -1; }
.calc-form .group-title { grid-column: 1 / -1; font-size: 0.74rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--ink-muted); margin-top: 6px; padding-top: 14px; border-top: 1px solid var(--border); }
.field label { display: flex; align-items: center; justify-content: space-between; gap: 8px; min-height: 24px; font-size: 0.84rem; font-weight: 600; margin-bottom: 6px; }
.field .control { position: relative; display: flex; align-items: center; }
.field .affix { position: absolute; color: var(--ink-muted); font-size: 0.92rem; pointer-events: none; }
.field .affix.pre { left: 13px; }
.field .affix.post { right: 13px; }
.field input[type="text"], .field select {
  width: 100%; font: inherit; font-size: 0.98rem; color: var(--ink); background: var(--bg);
  border: 1px solid var(--border); border-radius: 10px; padding: 11px 13px; outline: none;
  transition: border-color .15s ease, box-shadow .15s ease;
}
.field input.has-pre { padding-left: 26px; }
.field input.has-post { padding-right: 44px; }
.field input:focus, .field select:focus { border-color: var(--teal); box-shadow: 0 0 0 3px var(--teal-soft); }
.field .hint { font-size: 0.76rem; color: var(--ink-muted); margin-top: 5px; min-height: 1em; }
.field input[type="range"] { width: 100%; accent-color: var(--teal); }
.unit-toggle { display: inline-flex; border: 1px solid var(--border); border-radius: 999px; overflow: hidden; }
.unit-toggle button { font: inherit; font-size: 0.72rem; font-weight: 700; border: 0; background: transparent; color: var(--ink-muted); padding: 3px 9px; cursor: pointer; }
.unit-toggle button[aria-pressed="true"] { background: var(--navy); color: #fff; }

.calc-result {
  color: #fff; padding: 28px 26px; display: flex; flex-direction: column; gap: 18px;
  background:
    radial-gradient(circle at 100% 0%, rgba(10, 127, 168, 0.4), transparent 55%),
    radial-gradient(rgba(255, 255, 255, 0.06) 1.2px, transparent 1.3px) 0 0 / 20px 20px,
    var(--navy);
}
.result-top { display: flex; align-items: center; justify-content: space-between; gap: 18px; }
.donut { position: relative; width: 112px; height: 112px; border-radius: 50%; flex-shrink: 0; box-shadow: 0 10px 24px -12px rgba(0, 0, 0, 0.6); }
.donut::after { content: ""; position: absolute; inset: 22px; border-radius: 50%; background: var(--navy); box-shadow: inset 0 0 0 1px #ffffff14; }
.calc-result .dot { display: inline-block; width: 10px; height: 10px; border-radius: 3px; margin-right: 9px; vertical-align: 0; }
.bars { display: grid; gap: 12px; }
.bar-label { display: flex; justify-content: space-between; gap: 10px; font-size: 0.86rem; margin-bottom: 5px; }
.bar-label span { color: #c9d6df; }
.bar-label strong { font-variant-numeric: tabular-nums; }
.bar-track { height: 12px; border-radius: 999px; background: #ffffff14; overflow: hidden; }
.bar-fill { height: 100%; border-radius: 999px; transition: width .35s ease; }
@media (max-width: 420px) { .donut { width: 88px; height: 88px; } .donut::after { inset: 18px; } }
.calc-result .headline-label { font-size: 0.78rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: #a9c3d3; }
.calc-result .headline { font-family: var(--font-display); font-size: clamp(2.1rem, 4vw, 2.7rem); font-weight: 700; line-height: 1.1; }
.calc-result .headline-sub { color: #c9d6df; font-size: 0.92rem; margin-top: 4px; }
.calc-result .rows { display: grid; gap: 0; border-top: 1px solid #ffffff22; }
.calc-result .row { display: flex; justify-content: space-between; gap: 12px; padding: 9px 0; border-bottom: 1px solid #ffffff22; font-size: 0.94rem; }
.calc-result .row span:first-child { color: #c9d6df; }
.calc-result .row span:last-child { font-weight: 700; font-variant-numeric: tabular-nums; text-align: right; }
.calc-result .row.strong span { color: #fff; }
.calc-result .callout { background: #ffffff14; border-radius: 12px; padding: 12px 14px; font-size: 0.88rem; color: #dbe6ed; }
.calc-result .empty { color: #c9d6df; }
.dti-badge { display: inline-block; padding: 2px 10px; border-radius: 999px; font-size: 0.78rem; font-weight: 700; color: #fff; margin-left: 6px; }
.dti-table { width: 100%; border-collapse: collapse; font-size: 0.86rem; }
.dti-table th, .dti-table td { text-align: left; padding: 6px 0; border-bottom: 1px solid #ffffff22; }
.dti-table th { color: #a9c3d3; font-weight: 600; font-size: 0.74rem; text-transform: uppercase; letter-spacing: 0.06em; }
.dti-table td:last-child, .dti-table th:last-child { text-align: right; }
.dti-table tr.you td { color: #fff; font-weight: 700; }
.calc-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: auto; }
.calc-disclaimer { font-size: 0.8rem; color: var(--ink-muted); margin-top: 14px; max-width: 900px; }

.app-promo { display: flex; align-items: center; gap: 18px; background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: 20px 22px; margin-top: 28px; }
.app-promo img { width: 64px; height: 64px; border-radius: 14px; flex-shrink: 0; }
.app-promo p { margin: 0; color: var(--ink-muted); font-size: 0.93rem; }
.app-promo h3 { font-size: 1.08rem; margin-bottom: 4px; }
.app-promo .btn { margin-left: auto; flex-shrink: 0; }
@media (max-width: 620px) { .app-promo { flex-wrap: wrap; } .app-promo .btn { margin-left: 0; } }

/* Quiet one-line app mention */
.app-note {
  display: flex; align-items: center; gap: 10px; flex-wrap: wrap;
  margin: 18px 0 0; padding: 10px 14px; max-width: 760px;
  border: 1px dashed var(--border); border-radius: 12px;
  font-size: 0.88rem; color: var(--ink-muted);
}
.app-note img { width: 28px; height: 28px; border-radius: 7px; flex-shrink: 0; }
.app-note span { flex: 1 1 260px; }
.app-note strong { color: var(--ink); font-weight: 600; }
.app-note a { font-weight: 700; text-decoration: none; white-space: nowrap; }
.app-note a:hover { text-decoration: underline; }

/* --- Footer --- */
.site-footer { background: #0a2232; color: #b8c7d1; padding-block: 48px 36px; font-size: 0.9rem; }
.site-footer a { color: #e2ebf0; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 32px; margin-bottom: 32px; }
@media (max-width: 760px) { .footer-grid { grid-template-columns: 1fr; gap: 24px; } }
.site-footer h4 { color: #fff; font-family: var(--font-display); font-size: 1.05rem; margin: 0 0 10px; }
.site-footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 6px; }
.footer-legal { border-top: 1px solid #ffffff1f; padding-top: 22px; display: grid; gap: 10px; font-size: 0.8rem; line-height: 1.55; }
.ehl { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; color: #e2ebf0; }

/* --- Photos & backgrounds --- */
.section.dotted {
  background-color: var(--bg);
  background-image: radial-gradient(rgba(10, 127, 168, 0.13) 1.2px, transparent 1.3px);
  background-size: 22px 22px;
}

.cta-band.has-photo {
  background:
    linear-gradient(90deg, rgba(13, 44, 64, 0.97) 0%, rgba(13, 44, 64, 0.9) 55%, rgba(13, 44, 64, 0.78) 100%),
    url('images/hero-house.jpg') center 60% / cover no-repeat;
}

.page-hero {
  background-color: var(--surface);
  background-image:
    radial-gradient(circle at 92% 8%, rgba(10, 127, 168, 0.12), transparent 42%),
    radial-gradient(rgba(13, 44, 64, 0.07) 1.2px, transparent 1.3px);
  background-size: auto, 22px 22px;
}
.page-hero-split { display: grid; grid-template-columns: 1fr 300px; gap: 48px; align-items: center; }
.page-hero-img { width: 300px; height: 300px; border-radius: 22px; box-shadow: var(--shadow); object-fit: cover; }
@media (max-width: 860px) {
  .page-hero-split { grid-template-columns: 1fr; gap: 28px; }
  .page-hero-img { width: 100%; max-width: 360px; height: auto; aspect-ratio: 1; }
}

.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
@media (max-width: 1000px) { .grid-4 { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .grid-4 { grid-template-columns: 1fr; } }
.card.media { padding: 0; overflow: hidden; display: flex; flex-direction: column; }
.card.media img { width: 100%; aspect-ratio: 1; object-fit: cover; }
.card.media .card-body { padding: 18px 20px 20px; }
@media (max-width: 520px) {
  .card.media { flex-direction: row; align-items: flex-start; }
  .card.media img { width: 112px; flex-shrink: 0; margin: 14px 0 14px 14px; border-radius: 12px; }
  .card.media .card-body { padding: 14px 16px 16px; }
  .card.media h3 { font-size: 1rem; }
  .card.media p { font-size: 0.9rem; }
}

/* Calculator shortcuts on the homepage */
.tool-links { display: grid; grid-template-columns: repeat(5, 1fr); gap: 14px; }
@media (max-width: 1000px) { .tool-links { grid-template-columns: repeat(3, 1fr); } }

.tool-link {
  display: flex; flex-direction: column; gap: 6px; padding: 18px; border-radius: var(--radius);
  background: var(--bg); border: 1px solid var(--border); text-decoration: none; color: var(--ink);
  transition: border-color .15s ease, transform .12s ease, box-shadow .15s ease;
}
.tool-link:hover { border-color: var(--teal); transform: translateY(-2px); box-shadow: var(--shadow); }
.tool-link .icon { width: 38px; height: 38px; border-radius: 11px; display: grid; place-items: center; background: var(--teal-soft); color: var(--teal); margin-bottom: 4px; }
.tool-link strong { font-family: var(--font-display); font-size: 1.02rem; color: var(--navy); }
.tool-link .desc { font-size: 0.86rem; color: var(--ink-muted); line-height: 1.5; }
.tool-link .go { margin-top: auto; padding-top: 6px; font-size: 0.84rem; font-weight: 700; color: var(--teal-dark); }
@media (max-width: 680px) {
  .tool-links { grid-template-columns: 1fr; gap: 10px; }
  .tool-link { flex-direction: row; align-items: center; gap: 12px; padding: 12px 14px; }
  .tool-link .icon { margin: 0; flex-shrink: 0; }
  .tool-link .desc { display: none; }
  .tool-link .go { margin: 0 0 0 auto; padding: 0; font-size: 0; }
  .tool-link .go::after { content: "\2192"; font-size: 1.1rem; }
}

/* =========================================================
 * v1.6 design: navy hero, meet section, programs, timeline
 * ========================================================= */
.btn-lg { padding: 15px 26px; font-size: 1.02rem; }
.btn-ghost-light { border-color: #ffffff66; color: #fff; }
.contact-actions .contact-actions { display: contents; }

/* Hero: navy content panel + full-colour photo */
.hero2 { display: grid; grid-template-columns: 1.1fr 0.9fr; background: var(--navy); color: #fff; min-height: 560px; }
.hero2-content {
  padding: 72px 56px 110px max(20px, calc((100vw - 1120px) / 2 + 20px));
  background:
    radial-gradient(circle at 15% 0%, rgba(10, 127, 168, 0.35), transparent 50%),
    radial-gradient(rgba(255, 255, 255, 0.07) 1.2px, transparent 1.3px) 0 0 / 22px 22px,
    var(--navy);
  display: flex; flex-direction: column; justify-content: center;
}
.hero2 .eyebrow { color: #e8c98f; }
.hero2 h1 { color: #fff; font-size: clamp(2.4rem, 5vw, 3.9rem); line-height: 1.08; margin-bottom: 18px; }
.hero2 .mark { background: linear-gradient(transparent 68%, rgba(200, 150, 62, 0.55) 68%, rgba(200, 150, 62, 0.55) 92%, transparent 92%); padding: 0 4px; }
.hero2 .lead { color: #c9d6df; font-size: 1.12rem; max-width: 50ch; margin-bottom: 26px; }
.hero2 .contact-label { color: #a9c3d3; }
.hero2-photo { position: relative; background: url('images/hero-house.jpg') 40% 40% / cover no-repeat; min-height: 320px; }
.hero2-photo::before { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(13, 44, 64, 0.55), transparent 30%); }
.photo-badge {
  position: absolute; left: 28px; bottom: 96px; display: inline-flex; align-items: center; gap: 8px;
  background: #fff; color: var(--navy); font-weight: 700; font-size: 0.9rem;
  padding: 10px 16px; border-radius: 999px; box-shadow: 0 14px 30px -14px rgba(0, 0, 0, 0.6);
}
.photo-badge svg { color: var(--teal); }
@media (max-width: 880px) {
  .hero2 { grid-template-columns: 1fr; min-height: 0; }
  .hero2-photo { order: -1; min-height: 230px; }
  .hero2-photo::before { background: linear-gradient(180deg, transparent 50%, rgba(13, 44, 64, 0.85)); }
  .photo-badge { left: 20px; bottom: 18px; font-size: 0.82rem; }
  .hero2-content { padding: 36px 20px 90px; }
}

/* Highlights bar overlapping the hero */
.highlights {
  position: relative; z-index: 2; margin-top: -54px;
  display: grid; grid-template-columns: repeat(4, 1fr);
  background: var(--surface); border: 1px solid var(--border); border-radius: 18px; box-shadow: var(--shadow);
}
.highlight { display: flex; align-items: center; gap: 12px; padding: 20px 22px; }
.highlight + .highlight { border-left: 1px solid var(--border); }
.highlight .icon { width: 42px; height: 42px; border-radius: 12px; display: grid; place-items: center; background: var(--gold-soft); color: var(--gold); flex-shrink: 0; }
.highlight strong { display: block; color: var(--navy); font-size: 0.96rem; }
.highlight span { font-size: 0.82rem; color: var(--ink-muted); }
@media (max-width: 900px) {
  .highlights { grid-template-columns: 1fr 1fr; }
  .highlight:nth-child(3) { border-left: 0; }
  .highlight:nth-child(n+3) { border-top: 1px solid var(--border); }
}
.highlight strong { word-break: keep-all; }
@media (max-width: 480px) {
  .highlight { flex-direction: column; align-items: flex-start; padding: 14px; gap: 8px; }
  .highlight .icon { width: 34px; height: 34px; border-radius: 10px; }
  .highlight strong { font-size: 0.9rem; }
  .highlight span { font-size: 0.78rem; }
}

/* Meet Jae */
.section.meet { padding-top: 88px; }
.meet-grid { display: grid; grid-template-columns: 320px 1fr; gap: 64px; align-items: center; }
.meet-card {
  background: var(--surface); border: 1px solid var(--border); border-radius: 24px;
  padding: 34px 28px 26px; text-align: center; box-shadow: var(--shadow);
  position: relative; overflow: hidden;
}
.meet-card::before { /* navy cap behind the portrait */
  content: ""; position: absolute; left: 0; right: 0; top: 0; height: 120px;
  background: radial-gradient(rgba(255, 255, 255, 0.08) 1.2px, transparent 1.3px) 0 0 / 18px 18px, var(--navy);
}
.meet-card .portrait {
  position: relative; width: 184px; height: 184px; border-radius: 50%; margin: 0 auto 16px;
  object-fit: cover; object-position: center 12%; background: #eef1f3;
  border: 5px solid var(--surface); box-shadow: 0 0 0 3px var(--gold), 0 14px 30px -14px rgba(13, 44, 64, 0.6);
}
.meet-card .who { font-family: var(--font-display); font-size: 1.45rem; font-weight: 700; color: var(--navy); }
.meet-card .role { color: var(--ink-muted); font-size: 0.92rem; margin-top: 2px; }
.meet-card .langs { display: inline-block; margin-top: 12px; padding: 4px 12px; border-radius: 999px; background: var(--gold-soft); color: #8a6420; font-size: 0.8rem; font-weight: 700; }
.meet-card .meet-logo { width: 170px; margin: 22px auto 0; padding-top: 18px; border-top: 1px solid var(--border); box-sizing: content-box; }
.meet-body h2 { font-size: clamp(1.8rem, 3.4vw, 2.4rem); margin-bottom: 14px; }
.meet-body p { color: var(--ink-muted); font-size: 1.04rem; max-width: 60ch; }
.meet-meta { display: grid; gap: 8px; margin: 22px 0 20px; padding: 18px 20px; background: var(--bg); border-radius: 14px; border: 1px solid var(--border); max-width: 520px; }
.meet-meta > div { display: flex; gap: 12px; font-weight: 600; font-size: 0.95rem; flex-wrap: wrap; }
.meet-meta .label { width: 64px; color: var(--ink-muted); font-weight: 500; }
.meet-meta a { color: var(--ink); text-decoration: none; word-break: break-all; }
.meet-meta a:hover { color: var(--teal-dark); }
@media (max-width: 1000px) {
  .meet-grid { grid-template-columns: 260px 1fr; gap: 40px; }
  .meet-card { padding: 28px 20px 22px; }
  .meet-card::before { height: 96px; }
  .meet-card .portrait { width: 148px; height: 148px; }
  .meet-card .who { font-size: 1.25rem; }
  .meet-card .meet-logo { width: 140px; }
}
/* Phones: the card becomes a compact row above the introduction */
@media (max-width: 640px) {
  .section.meet { padding-top: 64px; }
  .meet-grid { grid-template-columns: 1fr; gap: 26px; }
  .meet-card {
    display: grid; grid-template-columns: 96px 1fr; column-gap: 16px; align-items: center;
    text-align: left; padding: 16px; border-radius: 18px;
  }
  .meet-card::before { display: none; }
  .meet-card .portrait { grid-row: span 3; width: 96px; height: 96px; margin: 0; border-width: 3px; }
  .meet-card .who { font-size: 1.2rem; }
  .meet-card .role { font-size: 0.84rem; }
  .meet-card .langs { justify-self: start; margin-top: 6px; }
  .meet-card .meet-logo { grid-column: 1 / -1; width: 130px; margin: 14px 0 0; padding-top: 12px; }
}

/* Sand + navy section variants */
.section.sand { background: var(--sand); }
.section.navy {
  background:
    radial-gradient(circle at 85% 0%, rgba(10, 127, 168, 0.3), transparent 45%),
    var(--navy);
  color: #fff;
}
.section.navy h2 { color: #fff; }
.section.navy .section-head p { color: #c9d6df; }
.section.navy .eyebrow { color: #e8c98f; }

/* Loan program groups */
.program-groups { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
@media (max-width: 900px) { .program-groups { grid-template-columns: 1fr; } }
.program-card { background: var(--surface); border-radius: 20px; padding: 22px 24px; border-top: 4px solid var(--teal); box-shadow: 0 14px 30px -26px rgba(13, 44, 64, 0.6); }
.program-card.tone-1 { border-top-color: var(--gold); }
.program-card.tone-2 { border-top-color: var(--navy); }
.program-head { display: flex; align-items: center; gap: 12px; margin-bottom: 8px; }
.program-card .icon { width: 40px; height: 40px; border-radius: 12px; display: grid; place-items: center; flex-shrink: 0; background: var(--teal-soft); color: var(--teal); }
.program-card.tone-1 .icon { background: var(--gold-soft); color: var(--gold); }
.program-card.tone-2 .icon { background: #0d2c4014; color: var(--navy); }
.program-card h3 { font-size: 1.22rem; margin: 0; }
.program-card p { color: var(--ink-muted); font-size: 0.93rem; margin-bottom: 14px; }
.program-card ul { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 8px; }
.program-card li { font-size: 0.86rem; font-weight: 600; color: var(--navy); background: var(--bg); border: 1px solid var(--border); padding: 6px 12px; border-radius: 999px; }

/* Timeline (navy section) */
.timeline { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(5, 1fr); gap: 24px; counter-reset: step; }
.timeline li { counter-increment: step; position: relative; }
.timeline li::before {
  content: counter(step); display: grid; place-items: center; width: 46px; height: 46px; border-radius: 50%;
  border: 2px solid #e8c98f; color: #e8c98f; font-family: var(--font-display); font-weight: 700; font-size: 1.15rem;
  background: var(--navy); position: relative; z-index: 1; margin-bottom: 16px;
}
.timeline li:not(:last-child)::after {
  content: ""; position: absolute; top: 23px; left: 54px; right: -18px; height: 2px;
  background: linear-gradient(90deg, #e8c98f88, #e8c98f22);
}
.timeline h3 { color: #fff; font-size: 1.08rem; margin-bottom: 6px; }
.timeline p { color: #c9d6df; font-size: 0.93rem; margin: 0; }
@media (max-width: 900px) {
  .timeline { grid-template-columns: 1fr; gap: 0; }
  .timeline li { display: grid; grid-template-columns: 46px 1fr; column-gap: 18px; padding-bottom: 26px; }
  .timeline li::before { grid-row: span 2; margin: 0; }
  .timeline li:not(:last-child)::after { top: 50px; bottom: 0; left: 22px; right: auto; width: 2px; height: auto; background: #e8c98f44; }
}

/* Why: photo + reasons */
.why-split { display: grid; grid-template-columns: 0.75fr 1.25fr; gap: 56px; align-items: stretch; }
.why-photo img { width: 100%; height: 100%; max-height: 620px; object-fit: cover; object-position: center 20%; border-radius: 24px; box-shadow: var(--shadow); }
.reasons { display: grid; grid-template-columns: 1fr 1fr; gap: 22px 28px; }
.reason { display: flex; gap: 14px; }
.reason .icon { width: 40px; height: 40px; border-radius: 12px; display: grid; place-items: center; background: var(--teal-soft); color: var(--teal); flex-shrink: 0; }
.reason h3 { font-size: 1.04rem; margin-bottom: 4px; }
.reason p { color: var(--ink-muted); font-size: 0.92rem; margin: 0; }
@media (max-width: 900px) {
  .why-split { grid-template-columns: 1fr; gap: 32px; }
  .why-photo img { height: 260px; object-position: center 25%; }
}
@media (max-width: 560px) { .reasons { grid-template-columns: 1fr; } }

/* Korean questions */
.question-grid { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.question-grid li { display: flex; gap: 14px; align-items: flex-start; background: var(--surface); border: 1px solid var(--border); border-left: 4px solid var(--teal); border-radius: 12px; padding: 16px 20px; }
.question-grid .q-icon { width: 40px; height: 40px; border-radius: 12px; display: grid; place-items: center; flex-shrink: 0; background: var(--teal-soft); color: var(--teal); }
.question-grid li:nth-child(3n+2) .q-icon { background: var(--gold-soft); color: var(--gold); }
.question-grid li:nth-child(3n+3) .q-icon { background: #237a5714; color: var(--green); }
.question-grid li.answer .q-icon { background: #ffffff1a; color: #e8c98f; }
.question-grid strong { display: block; font-family: 'Noto Sans KR', var(--font-body), sans-serif; font-weight: 700; font-size: 1.06rem; color: var(--navy); margin-bottom: 4px; }
.question-grid div span { display: block; color: var(--ink-muted); font-size: 0.95rem; line-height: 1.55; }
.question-grid li.answer { background: var(--navy); border-color: var(--navy); border-left-color: var(--gold); }
.question-grid li.answer strong { color: #e8c98f; }
.question-grid li.answer div span { color: #dbe6ed; }
@media (max-width: 700px) { .question-grid { grid-template-columns: 1fr; } }

/* Inner page headers on navy, to match the homepage */
.page-hero {
  background:
    radial-gradient(circle at 90% 0%, rgba(10, 127, 168, 0.35), transparent 45%),
    radial-gradient(rgba(255, 255, 255, 0.07) 1.2px, transparent 1.3px) 0 0 / 22px 22px,
    var(--navy);
  border-bottom: 0; color: #fff;
}
.page-hero h1 { color: #fff; }
.page-hero .lead { color: #c9d6df; }
.page-hero .eyebrow { color: #e8c98f; }
.page-hero .contact-label { color: #a9c3d3; }
.page-hero .btn-outline { border-color: #ffffff66; color: #fff; }
.page-hero .btn-outline:hover { background: #ffffff1a; }
.page-hero .note { background: #ffffff12; border-color: #ffffff26; color: #dbe6ed; }

/* Pre-approval form */
.form-link { display: inline-block; margin-top: 14px; color: #e8c98f; font-weight: 600; font-size: 0.9rem; text-decoration: none; }
.form-link:hover { text-decoration: underline; }
.section.lead { background: linear-gradient(180deg, var(--bg), #eaf2f5); }
.lead-grid { display: grid; grid-template-columns: 0.8fr 1.2fr; gap: 56px; align-items: start; }
@media (max-width: 900px) { .lead-grid { grid-template-columns: 1fr; gap: 28px; } }
.lead-copy h2 { font-size: clamp(1.7rem, 3vw, 2.2rem); margin-bottom: 12px; }
.lead-copy p { color: var(--ink-muted); font-size: 1.04rem; margin-bottom: 20px; }
.lead-form { background: var(--surface); border: 1px solid var(--border); border-top: 4px solid var(--gold); border-radius: 20px; padding: 28px; box-shadow: var(--shadow); }
.lf-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px 16px; margin-bottom: 18px; }
@media (max-width: 560px) { .lf-row { grid-template-columns: 1fr; } .lead-form { padding: 20px; } }
.lf-row .full { grid-column: 1 / -1; }
.lf-field label, .lf-pref legend { display: block; font-size: 0.84rem; font-weight: 600; margin-bottom: 6px; color: var(--ink); }
.lf-field input, .lf-field select, .lf-field textarea {
  width: 100%; font: inherit; font-size: 0.97rem; color: var(--ink); background: var(--bg);
  border: 1px solid var(--border); border-radius: 10px; padding: 11px 13px; outline: none;
}
.lf-field textarea { resize: vertical; min-height: 84px; }
.lf-field input:focus, .lf-field select:focus, .lf-field textarea:focus { border-color: var(--teal); box-shadow: 0 0 0 3px var(--teal-soft); }
.lf-field.invalid input { border-color: var(--coral); }
.lf-pref { border: 0; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 8px 18px; align-items: center; }
.lf-pref legend { width: 100%; }
.lf-pref label { display: inline-flex; align-items: center; gap: 6px; font-weight: 500; font-size: 0.93rem; cursor: pointer; }
.lf-pref input { accent-color: var(--teal); width: 16px; height: 16px; }
.lf-consent { display: flex; gap: 10px; align-items: flex-start; font-size: 0.84rem; color: var(--ink-muted); line-height: 1.5; cursor: pointer; }
.lf-consent input { margin-top: 3px; accent-color: var(--teal); width: 16px; height: 16px; flex-shrink: 0; }
.lf-consent.invalid span { color: var(--coral); }
.lf-captcha { display: flex; justify-content: flex-start; min-height: 78px; }
.lf-submit { width: 100%; }
.lf-status { display: none; margin-top: 12px; padding: 10px 14px; border-radius: 10px; font-size: 0.9rem; font-weight: 600; }
.lf-status.show { display: block; }
.lf-status.ok { background: #237a5714; color: var(--green); }
.lf-status.error { background: #c2463b14; color: var(--coral); }
.lead-form .req { color: var(--coral); }
.hp { position: absolute; left: -9999px; }

/* Privacy policy text */
.policy { max-width: 780px; }
.policy h2 { font-size: 1.35rem; margin: 34px 0 10px; }
.policy h3 { font-size: 1.05rem; margin: 18px 0 6px; }
.policy p, .policy li { color: var(--ink); }
.policy ul { padding-left: 22px; margin: 0 0 1em; }
.policy li { margin-bottom: 6px; }

/* =========================================================
 * v1.16 decoration pass
 * ========================================================= */
/* Top info bar */
.topbar { background: var(--navy); color: #c9d6df; font-size: 0.8rem; border-bottom: 2px solid var(--gold); }
.topbar .container { display: flex; justify-content: space-between; align-items: center; gap: 12px; min-height: 34px; }
.topbar span { display: inline-flex; align-items: center; gap: 6px; }
.topbar a { color: #fff; font-weight: 700; text-decoration: none; }
.topbar a:hover { color: #e8c98f; }
.topbar svg { color: #e8c98f; }
.topbar .sep { opacity: 0.35; margin: 0 4px; }
.topbar span { white-space: nowrap; }
@media (max-width: 600px) { .topbar-right { display: none !important; } .topbar .container { justify-content: center; } }

/* Soft teal tinted sections */
.section.tinted {
  background:
    radial-gradient(circle at 8% 10%, rgba(10, 127, 168, 0.10), transparent 40%),
    radial-gradient(circle at 95% 90%, rgba(200, 150, 62, 0.10), transparent 40%),
    #eef5f8;
}

/* Home tool shortcuts: one accent per tool */
.tool-link { background: var(--surface); border-top: 4px solid var(--tc, var(--teal)); }
.tool-link .icon { background: color-mix(in srgb, var(--tc, var(--teal)) 14%, transparent); color: var(--tc, var(--teal)); }
.tool-link .go { color: var(--tc, var(--teal-dark)); }
.tone-payment { --tc: #0a7fa8; }
.tone-affordability { --tc: #c8963e; }
.tone-rentvsbuy { --tc: #237a57; }
.tone-extrapayment { --tc: #c2463b; }
.tone-refinance { --tc: #5b4fb0; }

/* Application info cards */
.info-card { background: var(--surface); border: 1px solid var(--border); border-top: 4px solid var(--teal); border-radius: 20px; padding: 28px; box-shadow: 0 14px 30px -26px rgba(13, 44, 64, 0.6); }
.info-card .icon { width: 46px; height: 46px; border-radius: 14px; display: grid; place-items: center; background: var(--teal-soft); color: var(--teal); margin-bottom: 14px; }
.info-card.tone-gold { border-top-color: var(--gold); }
.info-card.tone-gold .icon { background: var(--gold-soft); color: var(--gold); }

/* Vertical gold timeline (light background) */
.vtimeline { list-style: none; margin: 0; padding: 0; max-width: 760px; counter-reset: vstep; }
.vtimeline li { counter-increment: vstep; position: relative; display: grid; grid-template-columns: 46px 1fr; column-gap: 18px; padding-bottom: 22px; }
.vtimeline li::before {
  content: counter(vstep); grid-row: span 2; width: 46px; height: 46px; border-radius: 50%; display: grid; place-items: center;
  background: var(--navy); color: #e8c98f; font-family: var(--font-display); font-weight: 700; font-size: 1.1rem;
  border: 2px solid var(--gold); position: relative; z-index: 1;
}
.vtimeline li:not(:last-child)::after { content: ""; position: absolute; left: 22px; top: 48px; bottom: 0; width: 2px; background: linear-gradient(var(--gold), #c8963e33); }
.vtimeline h3 { font-size: 1.08rem; margin: 10px 0 4px; }
.vtimeline p { color: var(--ink-muted); margin: 0; }
.vtimeline li:last-child::before { background: var(--gold); color: var(--navy); }

/* Footer */
.site-footer {
  border-top: 4px solid var(--gold);
  background:
    radial-gradient(circle at 90% 0%, rgba(10, 127, 168, 0.18), transparent 45%),
    radial-gradient(rgba(255, 255, 255, 0.05) 1.2px, transparent 1.3px) 0 0 / 22px 22px,
    #0a2232;
}
.footer-brand { display: flex; align-items: center; gap: 10px; }
.footer-brand .mark { width: 34px; height: 34px; border-radius: 10px; display: grid; place-items: center; background: var(--gold); color: var(--navy); }
.site-footer h4:not(.footer-brand) { color: #e8c98f; font-family: var(--font-body); font-size: 0.78rem; letter-spacing: 0.12em; text-transform: uppercase; }

/* Credit authorization request */
.section.auth-request { background: var(--surface); }
.mini-steps { list-style: none; margin: 0 0 18px; padding: 0; counter-reset: ms; display: grid; gap: 10px; }
.mini-steps li { counter-increment: ms; display: flex; gap: 12px; align-items: flex-start; font-weight: 500; }
.mini-steps li::before { content: counter(ms); flex-shrink: 0; width: 26px; height: 26px; border-radius: 50%; display: grid; place-items: center; background: var(--navy); color: #e8c98f; font-size: 0.82rem; font-weight: 700; }
.joint-note { font-size: 0.92rem; color: var(--ink-muted); margin: 0 0 18px; padding-left: 12px; border-left: 3px solid var(--gold); }
.fee-chip { display: inline-grid; gap: 2px; padding: 14px 18px; border-radius: 14px; background: var(--gold-soft); border: 1px solid #c8963e40; }
.fee-chip span { font-size: 0.78rem; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; color: #8a6420; }
.fee-chip strong { font-family: var(--font-display); font-size: 1.5rem; color: var(--navy); }
.fee-chip .fee-list { display: flex; flex-wrap: wrap; gap: 4px 22px; margin: 2px 0; }
.fee-chip .fee-list em { font-style: normal; font-weight: 600; color: var(--ink-muted); font-size: 0.9rem; }
.fee-chip small { color: var(--ink-muted); font-size: 0.8rem; }
.lf-note { margin: 10px 0 0; font-size: 0.82rem; color: var(--ink-muted); text-align: center; }

/* --- Small utilities --- */
.mt-0 { margin-top: 0; }
.muted { color: var(--ink-muted); }
.center { text-align: center; }
.screen-reader-text { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }