/* GLOBAL GOLD VARIABLE */
:root {
    --gold: #C6A04A;
}

/* TOPBAR */
.topbar {
    background: var(--gold);
    color: #000;
    padding: 10px 0;
    font-weight: 700;
    font-size: 15px;
}

.topbar-container {
    max-width: 1200px;
    margin: auto;
    display: flex;
    justify-content: space-between;
    padding: 0 20px;
}

.topbar-call,
.topbar-free {
    text-transform: uppercase;
}

/* GLOBAL */
body {
    margin: 0;
    font-family: 'Inter', sans-serif;
    background: #000;
    color: #fff;
}

/* NAVBAR */
.navbar {
    background: #000;
    color: #fff;
    padding: 15px 20px;
}

.nav-container {
    max-width: 1200px;
    margin: auto;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

/* BRANDING BLOCK */
.brand-title {
    font-size: 22px;
    font-weight: 800;
    color: var(--gold);
    text-transform: uppercase;
}

.brand-sub {
    font-size: 12px;
    font-weight: 400;
    color: var(--gold);
    margin-top: 2px;
}

/* NAV MENU */
.nav-toggle {
    background: none;
    border: none;
    color: #fff;
    font-size: 26px;
    cursor: pointer;
    display: none;
}

.nav-menu {
    list-style: none;
    display: flex;
    gap: 25px;
    margin: 0;
    padding: 0;
}

.nav-menu a {
    color: #fff;
    text-decoration: none;
    font-weight: 500;
}

.nav-cta {
    background: var(--gold);
    padding: 8px 14px;
    border-radius: 6px;
    color: #000 !important;
    font-weight: 700;
}

/* HERO */
.hero {
    background: #000;
    color: #fff;
    padding: 40px 20px;
}

.hero-grid {
    max-width: 1200px;
    margin: auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    align-items: center;
}

.hero-badge {
    background: var(--gold);
    color: #000;
    display: inline-block;
    padding: 8px 14px;
    font-weight: 700;
    border-radius: 6px;
    margin-bottom: 20px;
}

.hero-title {
    font-family: 'Playfair Display', serif;
    font-size: 42px;
    font-weight: 700;
    line-height: 1.2;
    margin: 0 0 20px 0;
}

.gold {
    color: var(--gold);
}

.hero-subtitle {
    font-size: 18px;
    margin-bottom: 10px;
}

.hero-bilingual {
    font-size: 16px;
    font-style: italic;
    margin-bottom: 25px;
}

/* CTA BUTTONS */
.cta-btn {
    display: inline-flex;
    align-items: center;
    font-weight: 700;
    padding: 14px 22px;
    border-radius: 6px;
    text-decoration: none;
    font-size: 15px;
    gap: 10px;
}

/* GOLD CALL BUTTON */
.cta-call {
    background: var(--gold);
    color: #000;
}

/* BLACK MESSAGE BUTTON */
.cta-message {
    background: #000;
    color: #fff;
    border: 2px solid var(--gold);
}

/* ICON */
.cta-icon {
    color: #000;
    font-size: 18px;
    line-height: 1;
}

/* CTA BUTTON SPACING */
.hero-buttons {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 10px;
}

/* HERO COMPLIANCE */
.hero-compliance {
    font-size: 14px;
    opacity: 0.8;
    margin-top: 10px;
}

.hero-right img {
    width: 100%;
    border-radius: 12px;
}

/* MOBILE */
@media (max-width: 768px) {
    .nav-toggle {
        display: block;
    }

    .nav-menu {
        display: none;
        flex-direction: column;
        background: #000;
        padding: 20px;
        margin-top: 10px;
        border-radius: 8px;
    }

    .nav-menu.nav-open {
        display: flex;
    }

    .hero-grid {
        grid-template-columns: 1fr;
        text-align: center;
    }

    .hero-buttons {
        flex-direction: column;
    }


    .hero-right img {
        max-width: 300px;
        margin: auto;
    }
}

/* TEXT SIZE BUTTONS */
.text-size button {
    background: #000;
    color: #fff;
    border: none;
    padding: 4px 8px;
    margin-left: 6px;
    font-size: 12px;
    cursor: pointer;
}

.text-size button:hover {
    background: #333;
}

.footer {
    text-align: center;
    padding: 20px 0;
    font-size: 14px;
    opacity: 0.8;
}

/* ============================================================
   INTERIOR PAGE BASE STYLES
   ============================================================ */

.content-section {
    background: #fff;
    color: #000;
    padding: 60px 20px;
}

.content-container {
    max-width: 1200px;
    margin: auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
}

.content-left,
.content-right {
    font-size: 18px;
    line-height: 1.6;
}

/* ============================================================
   TITLE BAR (Gold Header)
   ============================================================ */

.title-bar {
    background: var(--gold);
    color: #000;
    padding: 30px 20px;
    text-align: center;
}

.title-bar-container h1 {
    font-family: 'Playfair Display', serif;
    font-size: 36px;
    font-weight: 700;
    margin: 0;
}

/* ============================================================
   INFO BOXES (Reverse Mortgage Page)
   ============================================================ */

.info-box-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 20px;
}

.info-box {
    border: 2px solid var(--gold);
    padding: 20px;
    border-radius: 8px;
    background: #fff;
}

.info-box h3 {
    margin: 0 0 10px 0;
    font-size: 20px;
    font-weight: 700;
}

.info-box p {
    margin: 0;
    font-size: 16px;
}

/* ============================================================
   SERVICE CARDS (Services Page)
   ============================================================ */

.service-card-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 25px;
}

.service-card {
    background: #fff;
    border: 2px solid #ddd;
    padding: 25px;
    border-radius: 10px;
    position: relative;
}

.service-card.popular {
    border-color: var(--gold);
}

.popular-badge {
    position: absolute;
    top: -12px;
    right: -12px;
    background: var(--gold);
    color: #000;
    padding: 6px 12px;
    font-weight: 700;
    border-radius: 6px;
}

.service-card h3 {
    margin-top: 0;
    font-size: 22px;
    font-weight: 700;
}

.service-card ul {
    padding-left: 20px;
    margin-top: 15px;
}

.service-card li {
    margin-bottom: 8px;
    font-size: 16px;
}

/* ============================================================
   HOW IT WORKS (Timeline)
   ============================================================ */

.how-it-works {
    position: relative;
    padding-top: 40px;
}

.steps-line {
    position: absolute;
    top: 60px;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--gold);
    z-index: 1;
}

.steps-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 25px;
    position: relative;
    z-index: 2;
}

.step {
    text-align: center;
}

.step-number {
    width: 60px;
    height: 60px;
    background: var(--gold);
    color: #000;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 20px;
    margin: auto;
    margin-bottom: 15px;
}

.step h3 {
    font-size: 20px;
    margin-bottom: 10px;
}

.step p {
    font-size: 16px;
    line-height: 1.5;
}

/* ============================================================
   FAQ ACCORDION — MAX-HEIGHT VERSION
   ============================================================ */

.faq-accordion {
    margin-top: 20px;
}

.faq-item {
    border-bottom: 1px solid #ccc;
    padding: 15px 0;
}

.faq-question {
    background: none;
    border: none;
    font-size: 20px;
    font-weight: 700;
    width: 100%;
    text-align: left;
    cursor: pointer;
    padding: 0;
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.25s ease;
    margin-top: 10px;
}

.faq-item.open .faq-answer {
    max-height: 500px; /* plenty of room for any answer */
}

.faq-answer p {
    font-size: 16px;
    line-height: 1.5;
}

/* ============================================================
   FOR REALTORS (Five Box Grid)
   ============================================================ */

.realtor-box-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 20px;
}

.realtor-box {
    border: 2px solid var(--gold);
    padding: 20px;
    border-radius: 8px;
    background: #fff;
}

.realtor-box h3 {
    margin: 0 0 10px 0;
    font-size: 20px;
    font-weight: 700;
}

.realtor-box p {
    margin: 0;
    font-size: 16px;
}

/* ============================================================
   ABOUT PAGE (Portrait + Bio)
   ============================================================ */

.about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
}

.about-left img {
    width: 100%;
    border-radius: 12px;
}

.about-right h2 {
    font-size: 28px;
    margin-bottom: 15px;
}

.about-right p {
    font-size: 18px;
    line-height: 1.6;
    margin-bottom: 15px;
}

.about-credentials {
    list-style: none;
    padding: 0;
    margin: 20px 0;
}

.about-credentials li {
    font-size: 16px;
    margin-bottom: 8px;
}

.about-cta {
    display: flex;
    gap: 15px;
    margin-top: 20px;
}

/* ============================================================
   CONTACT PAGE (CTA Banner)
   ============================================================ */

.contact-cta {
    background: var(--gold);
    color: #000;
    text-align: center;
    padding: 40px 20px;
}

.contact-cta h2 {
    font-size: 32px;
    margin-bottom: 10px;
}

.contact-cta p {
    font-size: 18px;
    margin-bottom: 20px;
}

.cta-row {
    display: flex;
    justify-content: center;
    gap: 20px;
    margin-bottom: 15px;
}

.cta-note {
    font-size: 14px;
    opacity: 0.8;
}

/* ============================================================
   CONTACT PAGE (Form + Quick Links)
   ============================================================ */

.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
}

.contact-form label {
    font-weight: 700;
    margin-top: 15px;
    display: block;
}

.contact-form input,
.contact-form textarea {
    width: 100%;
    padding: 12px;
    border: 2px solid #ccc;
    border-radius: 6px;
    margin-top: 5px;
    font-size: 16px;
}

.contact-form textarea {
    height: 140px;
    resize: vertical;
}

.quick-links h3 {
    font-size: 22px;
    margin-bottom: 10px;
}

.quick-links ul {
    list-style: none;
    padding: 0;
}

.quick-links li {
    margin-bottom: 10px;
}

.quick-links a {
    color: #000;
    font-size: 16px;
    text-decoration: underline;
}

/* ============================================================
   COMPLIANCE BLOCK
   ============================================================ */

.compliance-block {
    margin-top: 30px;
    font-size: 14px;
    line-height: 1.5;
    opacity: 0.8;
}

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

@media (max-width: 768px) {

    .content-container,
    .about-grid,
    .contact-grid {
        grid-template-columns: 1fr;
        text-align: center;
    }

    .service-card-grid {
        grid-template-columns: 1fr;
    }

    .steps-grid {
        grid-template-columns: 1fr;
    }

    .steps-line {
        display: none;
    }

    .cta-row {
        flex-direction: column;
    }
}

.text-size button {
    background: none;
    border: 1px solid #fff;
    color: #fff;
    padding: 4px 8px;
    margin-left: 6px;
    cursor: pointer;
    border-radius: 4px;
    font-size: 14px;
}

.text-size button:hover {
    background: rgba(255,255,255,0.2);
}

.info-box,
.service-card,
.realtor-box {
    transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.info-box:hover,
.service-card:hover,
.realtor-box:hover {
    transform: translateY(-4px);
    box-shadow: 0 6px 18px rgba(0,0,0,0.12);
}

.cta-btn {
    transition: background 0.2s ease, transform 0.2s ease;
}

.cta-btn:hover {
    transform: translateY(-3px);
}

a:focus,
button:focus,
input:focus,
textarea:focus {
    outline: 3px solid var(--gold);
    outline-offset: 3px;
}

/* CONTACT PAGE CUSTOM */

.contact-section {
    background: #4a0e0e; /* deep burgundy */
    color: #fff;
    padding: 60px 20px;
}

.contact-header h2 {
    font-size: 32px;
    margin-bottom: 10px;
    color: var(--gold);
}

.contact-sub {
    font-size: 18px;
    margin-bottom: 10px;
}

.contact-languages {
    font-size: 16px;
    opacity: 0.9;
    margin-bottom: 25px;
}

.contact-left p {
    font-size: 18px;
    margin-bottom: 10px;
}

.contact-left .gold {
    color: var(--gold);
}

.contact-container {
    max-width: 1200px;
    margin: auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
}

.contact-right {
    color: #fff;
}

.quick-links a {
    color: var(--gold);
}

.compliance-block {
    color: #fff;
    opacity: 0.9;
}

.compliance-logos img {
    height: 35px;   /* adjust as needed */
    margin-right: 15px;
    vertical-align: middle;
}

.compliance-icon {
    height: 40px;   /* adjust to 25px for smaller */
    margin-right: 10px;
}

.cta-btn.disabled {
    opacity: 0.6;
    cursor: not-allowed;
}

.dym-btn {
    display: inline-block;
    background-color: #C6A04A; /* daloanlady gold */
    color: #fff;
    padding: 12px 24px;
    font-size: 16px;
    font-weight: 600;
    border-radius: 4px;
    text-decoration: none;
    margin-top: 12px;
    transition: background-color 0.2s ease;
}

.dym-btn:hover {
    background-color: #b08d3f;
}

.dym-btn small {
    font-size: 12px;
    opacity: 0.9;
}

.hero-btn.tertiary {
    background-color: #C6A04A; /* daloanlady gold */
    color: #fff;
    margin-top: 12px;
}

.dym-btn {
    text-align: center;
}

.dym-btn {
    display: block;
    margin: 12px auto 0;
    padding: 12px 24px;
    font-size: 16px;
    font-weight: 600;
    background-color: #C6A04A;
    color: #fff;
    border-radius: 4px;
    text-align: center;
}

.two-col {
    display: grid;
    grid-template-columns: 1fr 400px;
    gap: 40px;
    align-items: stretch; /* This is the key */
}

.faq-left {
    width: 100%;
}

.faq-right {
    background: rgba(255,255,255,0.05);
    padding: 40px 20px;
    border-radius: 8px;
    display: flex;
    flex-direction: column;
}