* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

body {
    font-family: 'Montserrat', sans-serif;
    line-height: 1.6;
    color: #333;
}

.top-bar {
    background: #1a1a1a;
    color: white;
    padding: 0.8rem 2rem;
    font-size: 0.9rem;
    text-align: center;
}

.top-bar a {
    color: #fbbf24;
    text-decoration: none;
    font-weight: 600;
}

header {
    background: rgba(255, 255, 255, 0.98);
    padding: 0.75rem 2rem;
    position: sticky;
    top: 0;
    z-index: 1000;
    box-shadow: 0 2px 20px rgba(0,0,0,0.1);
}

nav {
    max-width: 1400px;
    margin: 0 auto;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
}

.menu-toggle {
    display: none;
    background: none;
    border: none;
    font-size: 1.5rem;
    cursor: pointer;
    color: #333;
}

.logo {
    font-size: 1.8rem;
    font-weight: 900;
    color: #dc2626;
    letter-spacing: -1px;
}

.logo span {
    color: #1e40af;
}

.nav-links {
    display: flex;
    list-style: none;
    gap: 2.5rem;
    align-items: center;
}

.nav-links a {
    text-decoration: none;
    color: #333;
    font-weight: 600;
    transition: color 0.3s;
}

.nav-links a:hover {
    color: #dc2626;
}

.nav-cta {
    background: #dc2626;
    color: white !important;
    padding: 0.8rem 1.8rem;
    border-radius: 8px;
    transition: background 0.3s;
}

.nav-cta:hover {
    background: #b91c1c;
    color: white !important;
}

.hero-fullwidth {
    background: linear-gradient(135deg, #1e3a8a 0%, #1e40af 50%, #dc2626 100%);
    color: white;
    padding: 150px 2rem;
    position: relative;
    overflow: hidden;
}

.hero-fullwidth::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('data:image/svg+xml,<svg width="60" height="60" xmlns="http://www.w3.org/2000/svg"><path d="M0 0h60v60H0z" fill="none"/><path d="M30 0L0 30l30 30 30-30z" fill="rgba(255,255,255,0.03)"/></svg>');
    background-size: 60px 60px;
}

.hero-content {
    max-width: 1200px;
    margin: 0 auto;
    position: relative;
    z-index: 1;
    text-align: center;
}

.hero-badge {
    display: inline-block;
    background: rgba(255,255,255,0.2);
    padding: 0.5rem 1.5rem;
    border-radius: 50px;
    font-size: 0.9rem;
    font-weight: 600;
    margin-bottom: 2rem;
    backdrop-filter: blur(10px);
}

.hero-content h1 {
    font-size: 4.5rem;
    font-weight: 900;
    margin-bottom: 1.5rem;
    line-height: 1.1;
    text-shadow: 2px 2px 4px rgba(0,0,0,0.2);
}

.hero-content p {
    font-size: 1.5rem;
    margin-bottom: 3rem;
    max-width: 800px;
    margin-left: auto;
    margin-right: auto;
    font-weight: 300;
}

.hero-stats {
    display: flex;
    justify-content: center;
    gap: 4rem;
    margin-top: 4rem;
}

.stat {
    text-align: center;
}

.stat-number {
    font-size: 3rem;
    font-weight: 900;
    display: block;
    margin-bottom: 0.5rem;
}

.stat-label {
    font-size: 1rem;
    opacity: 0.9;
}

.services-showcase {
    padding: 120px 2rem;
    background: white;
}

.showcase-container {
    max-width: 1400px;
    margin: 0 auto;
}

.showcase-header {
    text-align: center;
    margin-bottom: 5rem;
}

.showcase-header h2 {
    font-size: 3rem;
    font-weight: 800;
    margin-bottom: 1rem;
    color: #1e40af;
}

.showcase-header p {
    font-size: 1.3rem;
    color: #666;
}

.services-masonry {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
}

.service-large {
    grid-row: span 2;
}

.service-item {
    background: linear-gradient(135deg, #f8fafc 0%, #e2e8f0 100%);
    padding: 3rem;
    border-radius: 20px;
    transition: all 0.3s;
    border: 2px solid transparent;
}

.service-item:hover {
    transform: translateY(-10px);
    border-color: #dc2626;
    background: white;
    box-shadow: 0 20px 40px rgba(0,0,0,0.1);
}

.service-item h3 {
    font-size: 1.8rem;
    margin-bottom: 1rem;
    color: #1e40af;
    font-weight: 700;
}

.service-item p {
    color: #666;
    line-height: 1.8;
    font-size: 1.05rem;
}

.service-large h3 {
    font-size: 2.2rem;
    margin-bottom: 1.5rem;
}

.service-large p {
    font-size: 1.15rem;
    margin-bottom: 2rem;
}

.service-features {
    list-style: none;
    margin-top: 1.5rem;
}

.service-features li {
    padding: 0.5rem 0;
    padding-left: 1.5rem;
    position: relative;
    color: #666;
}

.service-features li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: #dc2626;
    font-weight: bold;
}

.impact-section {
    background: #1a1a1a;
    color: white;
    padding: 120px 2rem;
}

.impact-container {
    max-width: 1200px;
    margin: 0 auto;
    text-align: center;
}

.impact-container h2 {
    font-size: 3rem;
    font-weight: 800;
    margin-bottom: 3rem;
}

.impact-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 3rem;
    margin-top: 4rem;
}

.impact-item {
    padding: 2rem;
}

.impact-icon {
    font-size: 3rem;
    margin-bottom: 1rem;
}

.impact-number {
    font-size: 2.5rem;
    font-weight: 900;
    color: #fbbf24;
    margin-bottom: 0.5rem;
}

.impact-text {
    font-size: 1.1rem;
    opacity: 0.9;
}

.cta-fullwidth {
    background: linear-gradient(135deg, #dc2626 0%, #b91c1c 100%);
    color: white;
    padding: 100px 2rem;
    text-align: center;
}

.cta-fullwidth h2 {
    font-size: 3rem;
    font-weight: 800;
    margin-bottom: 1.5rem;
}

.cta-fullwidth p {
    font-size: 1.3rem;
    margin-bottom: 3rem;
    max-width: 700px;
    margin-left: auto;
    margin-right: auto;
}

.cta-buttons {
    display: flex;
    gap: 1.5rem;
    justify-content: center;
}

.btn-large {
    padding: 1.2rem 3rem;
    border-radius: 12px;
    text-decoration: none;
    font-weight: 700;
    font-size: 1.2rem;
    transition: all 0.3s;
    display: inline-block;
}

.btn-white {
    background: white;
    color: #dc2626;
}

.btn-white:hover {
    transform: scale(1.05);
    box-shadow: 0 10px 30px rgba(255,255,255,0.3);
}

.btn-outline-white {
    background: transparent;
    color: white;
    border: 3px solid white;
}

.btn-outline-white:hover {
    background: white;
    color: #dc2626;
}

footer {
    background: #0f172a;
    color: white;
    padding: 4rem 2rem;
}

.footer-content {
    max-width: 1400px;
    margin: 0 auto;
    text-align: center;
}

.footer-content p {
    margin-bottom: 1rem;
    opacity: 0.8;
}

/* Page-specific styles */
.page-hero {
    background: linear-gradient(135deg, #1e3a8a 0%, #1e40af 100%);
    color: white;
    padding: 100px 2rem 80px;
    text-align: center;
}

.page-hero h1 {
    font-size: 3.5rem;
    font-weight: 800;
    margin-bottom: 1rem;
}

.page-hero p {
    font-size: 1.3rem;
    max-width: 700px;
    margin: 0 auto;
    font-weight: 300;
}

.page-content {
    max-width: 1200px;
    margin: 0 auto;
    padding: 80px 2rem;
}

.content-section {
    margin-bottom: 4rem;
}

.content-section h2 {
    font-size: 2.5rem;
    color: #1e40af;
    margin-bottom: 1.5rem;
    font-weight: 700;
}

.content-section h3 {
    font-size: 1.8rem;
    color: #333;
    margin-bottom: 1rem;
    margin-top: 2rem;
    font-weight: 600;
}

.content-section p {
    font-size: 1.1rem;
    line-height: 1.8;
    color: #666;
    margin-bottom: 1rem;
}

.content-section ul {
    list-style: none;
    margin: 1.5rem 0;
}

.content-section ul li {
    padding: 0.8rem 0;
    padding-left: 2rem;
    position: relative;
    font-size: 1.1rem;
    color: #666;
}

.content-section ul li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: #dc2626;
    font-weight: bold;
    font-size: 1.2rem;
}

/* Board Members */
.board-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 3rem;
    margin-top: 3rem;
}

.board-member {
    background: white;
    border-radius: 15px;
    padding: 2rem;
    box-shadow: 0 4px 20px rgba(0,0,0,0.08);
    text-align: center;
    transition: transform 0.3s;
}

.board-member:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 30px rgba(0,0,0,0.12);
}

.board-member img {
    width: 150px;
    height: 150px;
    border-radius: 50%;
    object-fit: cover;
    margin-bottom: 1.5rem;
    border: 4px solid #1e40af;
}

.board-member h3 {
    font-size: 1.5rem;
    color: #1e40af;
    margin-bottom: 0.5rem;
}

.board-member .title {
    font-size: 1.1rem;
    color: #dc2626;
    font-weight: 600;
    margin-bottom: 1rem;
}

.board-member .organization {
    font-size: 1rem;
    color: #666;
    margin-bottom: 1rem;
}

.board-member .contact {
    font-size: 0.95rem;
    color: #999;
}

.board-member .contact a {
    color: #1e40af;
    text-decoration: none;
}

.board-member .contact a:hover {
    text-decoration: underline;
}

/* Contact Form */
.contact-container {
    max-width: 800px;
    margin: 0 auto;
    padding: 80px 2rem;
}

.contact-form {
    background: white;
    padding: 3rem;
    border-radius: 20px;
    box-shadow: 0 4px 20px rgba(0,0,0,0.08);
}

.form-group {
    margin-bottom: 1.5rem;
}

.form-group label {
    display: block;
    margin-bottom: 0.5rem;
    font-weight: 600;
    color: #333;
}

.form-group input,
.form-group textarea,
.form-group select {
    width: 100%;
    padding: 1rem;
    border: 2px solid #e2e8f0;
    border-radius: 8px;
    font-family: 'Montserrat', sans-serif;
    font-size: 1rem;
    transition: border-color 0.3s;
}

.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
    outline: none;
    border-color: #1e40af;
}

.form-group textarea {
    min-height: 150px;
    resize: vertical;
}

.btn-submit {
    background: #dc2626;
    color: white;
    padding: 1rem 3rem;
    border: none;
    border-radius: 8px;
    font-size: 1.1rem;
    font-weight: 700;
    cursor: pointer;
    transition: background 0.3s;
}

.btn-submit:hover {
    background: #b91c1c;
}

.contact-info {
    margin-top: 3rem;
    text-align: center;
}

.contact-info h3 {
    font-size: 1.8rem;
    color: #1e40af;
    margin-bottom: 1.5rem;
}

.contact-info p {
    font-size: 1.1rem;
    color: #666;
    margin-bottom: 0.5rem;
}

@media (max-width: 1200px) {
    .nav-links {
        gap: 1.5rem;
    }
    
    .nav-links a {
        font-size: 0.9rem;
    }
    
    .nav-cta {
        padding: 0.7rem 1.2rem;
        font-size: 0.9rem;
    }
}

.loan-estimator {
    background: #f4f7fc;
    padding: 110px 2rem;
}

.estimator-container {
    max-width: 1100px;
    margin: 0 auto;
}

.estimator-heading {
    max-width: 690px;
    margin: 0 auto 2.5rem;
    text-align: center;
}

.estimator-eyebrow {
    color: #dc2626;
    font-size: 0.78rem;
    font-weight: 800;
    letter-spacing: 0.14em;
    margin-bottom: 0.75rem;
}

.estimator-heading h2 {
    color: #1a365d;
    font-size: 3rem;
    font-weight: 800;
    line-height: 1.15;
    margin-bottom: 1rem;
}

.estimator-heading > p:last-child {
    color: #526275;
    font-size: 1.08rem;
}

.estimator-toolbar {
    display: flex;
    justify-content: center;
    gap: 1rem;
    flex-wrap: wrap;
    margin-bottom: 2rem;
}

.estimator-toggle {
    display: inline-flex;
    padding: 0.3rem;
    background: white;
    border: 1px solid #d9e0ea;
    border-radius: 10px;
    box-shadow: 0 3px 12px rgba(26, 54, 93, 0.06);
}

.toggle-button {
    background: transparent;
    border: 0;
    border-radius: 7px;
    color: #526275;
    cursor: pointer;
    font-family: inherit;
    font-size: 0.88rem;
    font-weight: 700;
    padding: 0.55rem 1rem;
    transition: background 0.2s, color 0.2s, box-shadow 0.2s;
}

.toggle-button.is-active {
    background: #1e40af;
    box-shadow: 0 2px 7px rgba(30, 64, 175, 0.2);
    color: white;
}

.estimator-card {
    display: grid;
    grid-template-columns: minmax(0, 1.05fr) minmax(320px, 0.95fr);
    overflow: hidden;
    background: white;
    border-radius: 18px;
    box-shadow: 0 14px 40px rgba(26, 54, 93, 0.12);
}

.estimator-controls {
    padding: 3rem;
}

.slider-control + .slider-control {
    margin-top: 2.5rem;
}

.slider-label-row {
    display: flex;
    align-items: baseline;
    justify-content: space-between;
    gap: 1rem;
    margin-bottom: 1rem;
}

.slider-label-row label {
    color: #1a365d;
    font-size: 1rem;
    font-weight: 700;
}

.slider-label-row output {
    color: #dc2626;
    font-size: 1.2rem;
    font-weight: 800;
}

.slider-control input[type="range"] {
    appearance: none;
    width: 100%;
    height: 7px;
    background: #dce5f4;
    border-radius: 999px;
    cursor: pointer;
}

.slider-control input[type="range"]::-webkit-slider-thumb {
    appearance: none;
    width: 21px;
    height: 21px;
    background: #dc2626;
    border: 3px solid white;
    border-radius: 50%;
    box-shadow: 0 2px 6px rgba(220, 38, 38, 0.35);
}

.slider-control input[type="range"]::-moz-range-thumb {
    width: 15px;
    height: 15px;
    background: #dc2626;
    border: 3px solid white;
    border-radius: 50%;
    box-shadow: 0 2px 6px rgba(220, 38, 38, 0.35);
}

.slider-range {
    display: flex;
    justify-content: space-between;
    color: #7a8797;
    font-size: 0.76rem;
    font-weight: 600;
    margin-top: 0.55rem;
}

.estimator-note {
    border-top: 1px solid #e5eaf1;
    color: #68778a;
    font-size: 0.8rem;
    margin-top: 2.75rem;
    padding-top: 1.25rem;
}

.estimator-results {
    display: flex;
    flex-direction: column;
    justify-content: center;
    background: linear-gradient(150deg, #16356d, #1e40af);
    color: white;
    padding: 3rem;
}

.rate-summary, .payment-summary {
    border-bottom: 1px solid rgba(255, 255, 255, 0.2);
    padding-bottom: 1.35rem;
    margin-bottom: 1.35rem;
}

.rate-summary > span, .payment-summary > span, .bank-comparison p {
    display: block;
    font-size: 0.88rem;
    font-weight: 600;
    opacity: 0.8;
}

.rate-summary strong, .payment-summary strong {
    display: block;
    font-size: 2.1rem;
    font-weight: 800;
    line-height: 1.15;
    margin: 0.35rem 0;
}

.rate-summary small {
    font-size: 0.74rem;
    opacity: 0.75;
}

.bank-comparison {
    padding: 1rem 1.1rem;
    background: rgba(255, 255, 255, 0.12);
    border-radius: 10px;
}

.bank-comparison p {
    margin-bottom: 0.35rem;
}

.bank-comparison strong {
    display: block;
    color: #fcd34d;
    font-size: 1.15rem;
    margin-bottom: 0.25rem;
}

.bank-comparison span {
    font-size: 0.78rem;
    opacity: 0.85;
}

.estimator-cta {
    display: inline-block;
    align-self: flex-start;
    background: #dc2626;
    border-radius: 8px;
    color: white;
    font-size: 0.9rem;
    font-weight: 700;
    margin-top: 1.75rem;
    padding: 0.8rem 1.15rem;
    text-decoration: none;
    transition: background 0.2s, transform 0.2s;
}

.estimator-cta:hover {
    background: #b91c1c;
    transform: translateY(-1px);
}

@media (max-width: 968px) {
    .hero-content h1 {
        font-size: 3rem;
    }
    
    .services-masonry {
        grid-template-columns: 1fr;
    }
    
    .service-large {
        grid-row: span 1;
    }
    
    .impact-grid {
        grid-template-columns: repeat(2, 1fr);
    }

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

    .estimator-heading h2 {
        font-size: 2.35rem;
    }
    
    .hero-stats {
        flex-direction: column;
        gap: 2rem;
    }
    
    .cta-buttons {
        flex-direction: column;
        align-items: center;
    }
    
    .board-grid {
        grid-template-columns: 1fr;
    }
    
    .page-hero h1 {
        font-size: 2.5rem;
    }
    
    header {
        padding: 1rem;
    }
    
    nav {
        width: 100%;
    }
    
    .logo {
        font-size: 1.5rem;
    }
    
    .top-bar {
        font-size: 0.8rem;
        padding: 0.6rem 1rem;
    }
    
    .menu-toggle {
        display: block;
    }
    
    .nav-links {
        display: none;
        width: 100%;
        flex-direction: column;
        gap: 1.25rem;
        padding-top: 1.5rem;
        border-top: 1px solid #e2e8f0;
    }
    
    .nav-links.active {
        display: flex;
    }
    
    .nav-links a {
        padding: 0.8rem 0;
        font-size: 1rem;
    }
    
    .nav-cta {
        width: 100%;
        text-align: center;
        padding: 1rem;
    }
    
    .impact-grid {
        grid-template-columns: 1fr;
        gap: 2rem;
    }
    
    .impact-container {
        padding: 0 1rem;
    }
    
    .impact-container h2 {
        font-size: 2rem;
    }
    
    .hero-content h1 {
        font-size: 2rem;
    }
    
    .hero-content p {
        font-size: 1.1rem;
    }
    
    .hero-fullwidth {
        padding: 80px 1rem;
    }
    
    .services-showcase {
        padding: 60px 1rem;
    }
    
    .showcase-header h2 {
        font-size: 2rem;
    }
    
    .cta-fullwidth {
        padding: 60px 1rem;
    }

    .loan-estimator {
        padding: 70px 1rem;
    }

    .estimator-controls, .estimator-results {
        padding: 2rem 1.35rem;
    }

    .estimator-heading h2 {
        font-size: 2rem;
    }
    
    .cta-fullwidth h2 {
        font-size: 2rem;
    }
    
    .cta-fullwidth p {
        font-size: 1.1rem;
    }
    
    .btn-large {
        padding: 1rem 2rem;
        font-size: 1rem;
    }
    
    .page-content {
        padding: 40px 1rem;
    }
    
    .contact-container {
        padding: 40px 1rem;
    }
    
    .contact-form {
        padding: 2rem 1rem;
    }
}