:root {
    --blue: #184584;
    --red: #c03636;
    --light-bg: #f5f7fb;
    --text-main: #1f2933;
    --text-muted: #6b7280;
    --white: #ffffff;
    --border-soft: #e5e7eb;
    --shadow-soft: 0 10px 30px rgba(15, 23, 42, 0.08);
    --radius-lg: 16px;
    --radius-md: 10px;
  }

  .hidden {
    display: none !important;
  }  
  
  *,
  *::before,
  *::after {
    box-sizing: border-box;
  }
  
  body {
    margin: 0;
    font-family: "Inter", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    color: var(--text-main);
    background: var(--light-bg);
    line-height: 1.6;
  }
  
  /* Layout */
  .container {
    width: 100%;
    max-width: 1100px;
    margin: 0 auto;
    padding: 0 1.25rem;
  }
  
  .section {
    padding: 4rem 0;
  }
  
  .section-alt {
    background: var(--white);
  }
  
  h1, h2, h3 {
    margin: 0 0 0.75rem;
    line-height: 1.2;
  }
  
  h2 {
    font-size: 2rem;
  }
  
  .section-intro {
    max-width: 650px;
    margin-top: 0.5rem;
    margin-bottom: 2rem;
    color: var(--text-muted);
  }
  
  /* Hero */
  .hero {
    position: relative;
    min-height: 70vh;
    color: #ffffff;
    background-image:
      linear-gradient(to bottom right, rgba(17, 24, 39, 0.7), rgba(24, 69, 132, 0.8)),
      url("hero-flag.jpg");
    /* Replace hero-flag.jpg with a real flag image in your folder */
    background-size: cover;
    background-position: center;
    display: flex;
    align-items: center;
  }
  
  .hero-overlay {
    width: 100%;
    padding: 4rem 0;
  }
  
  .hero-content {
    max-width: 650px;
  }
  
  .eyebrow {
    text-transform: uppercase;
    letter-spacing: 0.14em;
    font-size: 0.8rem;
    font-weight: 600;
    margin-bottom: 0.75rem;
    color: #d1e3ff;
  }
  
  .hero h1 {
    font-size: 2.8rem;
    margin-bottom: 1rem;
  }
  
  .hero-subtitle {
    font-size: 1.05rem;
    color: #e5edff;
    margin-bottom: 1.5rem;
  }
  
  .hero-buttons {
    display: flex;
    flex-wrap: wrap;
    gap: 0.75rem;
  }
  
  /* Buttons */
  .btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 0.75rem 1.4rem;
    border-radius: 999px;
    border: 2px solid transparent;
    font-weight: 600;
    font-size: 0.95rem;
    text-decoration: none;
    cursor: pointer;
    transition: all 0.18s ease-out;
    background: var(--white); /* Base: white buttons */
  }
  
  .btn-primary {
    border-color: var(--red);
    color: var(--red);
  }
  
  .btn-primary:hover {
    background: var(--red);
    color: #ffffff;
    box-shadow: var(--shadow-soft);
  }
  
  .btn-secondary {
    border-color: var(--blue);
    color: var(--blue);
  }
  
  .btn-secondary:hover {
    background: var(--blue);
    color: #ffffff;
    box-shadow: var(--shadow-soft);
  }
  
  /* Cards & grids */
  .grid-qualifies,
  .grid-benefits {
    display: grid;
    gap: 1.5rem;
  }
  
  .grid-qualifies {
    grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
  }
  
  .grid-benefits {
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  }
  
  .qualify-card,
  .benefit-card {
    background: #ffffff;
    border-radius: var(--radius-md);
    padding: 1.4rem;
    border: 1px solid var(--border-soft);
    box-shadow: 0 12px 25px rgba(148, 163, 184, 0.12);
  }
  
  .qualify-card h3,
  .benefit-card h3 {
    font-size: 1.1rem;
  }
  
  /* Split layout */
  .split {
    display: grid;
    grid-template-columns: minmax(0, 3fr) minmax(0, 2.5fr);
    gap: 2.5rem;
    align-items: center;
  }
  
  .split-text p {
    color: var(--text-muted);
  }
  
  .bullet-list {
    padding-left: 1.2rem;
    margin: 1rem 0;
    color: var(--text-muted);
  }
  
  .bullet-list li + li {
    margin-top: 0.25rem;
  }
  
  .small-note {
    font-size: 0.85rem;
    color: var(--text-muted);
    margin-top: 0.75rem;
  }
  
  /* Profile / Partner cards */
  /* Realtor section pushes RIGHT, Lender pushes LEFT */
.split-card {
    display: flex;
  }
  
  #realtor-partner .split-card {
    justify-content: flex-end; /* Kate → right side */
  }
  
  #lender-partner .split-card {
    justify-content: flex-start; /* Paul → left side */
  }
  
  
  .profile-card {
    background: #ffffff;
    border-radius: var(--radius-lg);
    padding: 1.6rem;
    box-shadow: var(--shadow-soft);
    border: 1px solid var(--border-soft);
    max-width: 320px;
    width: 100%;
    margin-top: 1rem;
  }
  
  .profile-avatar {
    width: 60px;
    height: 60px;
    border-radius: 999px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 1.1rem;
    margin-bottom: 0.9rem;
    color: #ffffff;
  }
  
  .realtor-avatar {
    background: linear-gradient(135deg, var(--blue), #1e60b7);
  }
  
  .lender-avatar {
    background: linear-gradient(135deg, var(--red), #e24d4d);
  }
  
  .profile-avatar span {
    transform: translateY(1px);
  }
  
  .profile-info .profile-name {
    font-size: 1.1rem;
    font-weight: 600;
    margin: 0 0 0.2rem;
  }
  
  .profile-role {
    margin: 0 0 0.2rem;
    font-size: 0.95rem;
    color: var(--text-muted);
  }
  
  .profile-detail {
    margin: 0;
    font-size: 0.85rem;
    color: var(--text-muted);
  }
  
  /* Forms */
  .lead-form {
    background: #ffffff;
    border-radius: var(--radius-lg);
    padding: 1.75rem;
    box-shadow: var(--shadow-soft);
    border: 1px solid var(--border-soft);
  }
  
  .form-row {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
    gap: 1.25rem;
    margin-bottom: 1.25rem;
  }
  
  .form-field {
    display: flex;
    flex-direction: column;
  }
  
  .form-field label {
    font-size: 0.9rem;
    font-weight: 500;
    margin-bottom: 0.35rem;
  }
  
  input,
  select,
  textarea {
    border-radius: 10px;
    border: 1px solid var(--border-soft);
    padding: 0.55rem 0.7rem;
    font-size: 0.95rem;
    font-family: inherit;
    outline: none;
    transition: border-color 0.15s ease-out, box-shadow 0.15s ease-out;
    background: #f9fafb;
  }
  
  input:focus,
  select:focus,
  textarea:focus {
    border-color: var(--blue);
    box-shadow: 0 0 0 1px rgba(24, 69, 132, 0.18);
    background: #ffffff;
  }
  
  textarea {
    resize: vertical;
    min-height: 90px;
  }
  
  .form-message {
    margin-top: 0.9rem;
    font-size: 0.9rem;
  }
  
  .form-message.success {
    color: #15803d;
  }
  
  .form-message.error {
    color: #b91c1c;
  }
  
  /* FAQ */
  .faq-list {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
  }
  
  .faq-item {
    background: #ffffff;
    border-radius: var(--radius-md);
    border: 1px solid var(--border-soft);
    overflow: hidden;
  }
  
  .faq-question {
    width: 100%;
    padding: 0.85rem 1rem;
    background: transparent;
    border: none;
    text-align: left;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.98rem;
    font-weight: 500;
    cursor: pointer;
  }
  
  .faq-question:hover {
    background: #f3f4ff;
  }
  
  .faq-toggle {
    font-size: 1.1rem;
    color: var(--blue);
    padding-left: 0.5rem;
  }
  
  .faq-answer {
    max-height: 0;
    overflow: hidden;
    padding: 0 1rem;
    transition: max-height 0.22s ease-out, padding-bottom 0.2s ease-out;
  }
  
  .faq-answer p {
    margin: 0.75rem 0 1rem;
    font-size: 0.93rem;
    color: var(--text-muted);
  }
  
  .faq-item.open .faq-answer {
    max-height: 400px;
    padding-bottom: 0.75rem;
  }
  
  .faq-item.open .faq-toggle {
    transform: rotate(45deg);
  }
  
  /* Fade-in animation */
  .fade-in {
    opacity: 0;
    transform: translateY(18px);
    transition: opacity 0.5s ease-out, transform 0.5s ease-out;
  }
  
  .fade-in.visible {
    opacity: 1;
    transform: translateY(0);
  }
  
  /* Footer */
  .footer {
    background: #111827;
    color: #e5e7eb;
    padding: 2.5rem 0 2rem;
    margin-top: 2rem;
  }
  
  .footer-title {
    font-weight: 600;
    margin-bottom: 0.5rem;
  }
  
  .footer-text {
    font-size: 0.9rem;
    margin: 0.2rem 0;
    color: #d1d5db;
  }
  
  .footer-text.small {
    font-size: 0.8rem;
    color: #9ca3af;
  }
  
  /* Responsive */
  @media (max-width: 900px) {
    .hero {
      min-height: 60vh;
    }
  
    .hero h1 {
      font-size: 2.2rem;
    }
  
    .split {
      grid-template-columns: 1fr;
    }
  
    .split-card {
      justify-content: flex-start;
      order: -1;
      margin-bottom: 1rem;
    }
  
    .lead-form {
      padding: 1.4rem;
    }
  }
  
  @media (max-width: 600px) {
    .hero {
      text-align: left;
    }
  
    .hero-buttons {
      flex-direction: column;
      align-items: flex-start;
    }

    .small-intro {
  margin-top: 0.25rem;
  font-size: 0.95rem;
  opacity: 0.9;
}

.form-privacy-note {
  margin-top: 0.75rem;
  font-size: 0.85rem;
  opacity: 0.8;
}

  }