/* ============================================================
   NJPropertyTaxRelief.com — Main Stylesheet
   The McKenty Team · Opus Elite Real Estate
   John Scafide · Heather Scafide
   ============================================================ */

:root {
  --navy: #1a3a6b;
  --navy-dark: #0e2248;
  --navy-light: #2a4f8f;
  --gold: #b8972a;
  --gold-light: #f5e9c4;
  --red: #c0392b;
  --green: #1e6b3a;
  --green-light: #e8f5ed;
  --bg: #f4f5f7;
  --bg-white: #ffffff;
  --text: #1a1a2e;
  --text-muted: #5a6070;
  --border: #d8dce8;
  --success: #2e7d52;
  --info-bg: #eaf0fb;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
body { font-family: 'Source Sans 3', sans-serif; background: var(--bg); color: var(--text); font-size: 16px; line-height: 1.6; }
h1, h2, h3, h4 { font-family: 'Playfair Display', serif; font-weight: 700; }

/* ============================================================
   TOP BAR
   ============================================================ */
.topbar { background: var(--navy-dark); color: #b0c4dc; font-size: 13px; padding: 7px 0; }
.topbar-inner { max-width: 1100px; margin: 0 auto; padding: 0 24px; display: flex; justify-content: space-between; align-items: center; }
.topbar a { color: #b0c4dc; text-decoration: none; }
.topbar a:hover { color: #fff; }

/* ============================================================
   NAVIGATION
   ============================================================ */
nav { background: var(--navy); position: sticky; top: 0; z-index: 100; box-shadow: 0 2px 10px rgba(0,0,0,0.3); }
.nav-inner { max-width: 1100px; margin: 0 auto; padding: 0 24px; display: flex; align-items: center; }
.nav-logo { color: #fff; font-family: 'Playfair Display', serif; font-size: 18px; font-weight: 700; padding: 16px 0; margin-right: auto; text-decoration: none; }
.nav-logo span { color: var(--gold); }
.nav-links { display: flex; }
.nav-links a { color: #d0ddf0; text-decoration: none; font-size: 13.5px; font-weight: 500; padding: 18px 12px; display: block; border-bottom: 3px solid transparent; transition: all 0.2s; }
.nav-links a:hover { color: #fff; border-bottom-color: var(--gold); }
.nav-cta { background: var(--gold); color: var(--navy-dark) !important; border-radius: 4px; margin: 10px 0 10px 10px; padding: 8px 15px !important; font-weight: 600 !important; border-bottom: none !important; }
.nav-cta:hover { background: #d4af37 !important; }

/* ============================================================
   HERO
   ============================================================ */
.hero {
  background: linear-gradient(rgba(10,24,55,0.76), rgba(10,24,55,0.93)),
    url('https://www.icona.com/wp-content/uploads/2025/02/Romantic-Resorts-in-NJ-1536x864.png') center/cover no-repeat;
  color: #fff;
  padding: 72px 24px;
}
.hero-inner { max-width: 1100px; margin: 0 auto; }
.hero-badge { display: inline-block; background: rgba(184,151,42,0.22); border: 1px solid rgba(184,151,42,0.45); color: #f0d87a; font-size: 12px; font-weight: 600; padding: 4px 14px; border-radius: 20px; margin-bottom: 18px; letter-spacing: 0.6px; text-transform: uppercase; }
.hero h1 { font-size: 44px; line-height: 1.12; margin-bottom: 16px; max-width: 680px; }
.hero h1 span { color: #f0d87a; }
.hero p { font-size: 18px; color: #d0dcec; max-width: 580px; margin-bottom: 32px; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; }
.hero-stats { display: flex; gap: 40px; margin-top: 52px; padding-top: 40px; border-top: 1px solid rgba(255,255,255,0.12); flex-wrap: wrap; }
.hero-stat-num { font-family: 'Playfair Display', serif; font-size: 34px; font-weight: 700; color: #f0d87a; }
.hero-stat-label { font-size: 13px; color: #c0cfdf; margin-top: 4px; }

/* ============================================================
   BUTTONS
   ============================================================ */
.btn-primary { background: var(--gold); color: var(--navy-dark); padding: 13px 26px; border: none; border-radius: 6px; font-size: 15px; font-weight: 600; cursor: pointer; text-decoration: none; display: inline-block; transition: background 0.2s; font-family: 'Source Sans 3', sans-serif; }
.btn-primary:hover { background: #d4af37; }
.btn-outline { background: transparent; color: #fff; padding: 12px 26px; border: 2px solid rgba(255,255,255,0.35); border-radius: 6px; font-size: 15px; font-weight: 500; cursor: pointer; text-decoration: none; display: inline-block; transition: all 0.2s; font-family: 'Source Sans 3', sans-serif; }
.btn-outline:hover { border-color: #fff; background: rgba(255,255,255,0.08); }
.btn-back { background: none; border: 1px solid var(--border); border-radius: 6px; padding: 10px 18px; font-size: 14px; cursor: pointer; color: var(--text-muted); font-family: 'Source Sans 3', sans-serif; }
.btn-back:hover { background: var(--bg); }
.btn-next { background: var(--navy); color: #fff; border: none; border-radius: 6px; padding: 11px 26px; font-size: 15px; font-weight: 600; cursor: pointer; font-family: 'Source Sans 3', sans-serif; transition: background 0.2s; }
.btn-next:hover { background: var(--navy-dark); }
.btn-next:disabled { background: var(--border); color: #aaa; cursor: not-allowed; }
.btn-schedule { background: var(--gold); color: var(--navy-dark); padding: 12px 22px; border: none; border-radius: 6px; font-size: 15px; font-weight: 700; cursor: pointer; text-decoration: none; display: inline-block; white-space: nowrap; font-family: 'Playfair Display', serif; }
.btn-schedule:hover { background: #d4af37; }
.btn-learn { color: var(--navy); border: 1.5px solid var(--navy); padding: 10px 22px; border-radius: 6px; font-size: 14px; font-weight: 600; text-decoration: none; display: inline-block; white-space: nowrap; }

/* ============================================================
   ALERT BANNER
   ============================================================ */
.alert-banner { background: #fffae8; border-bottom: 3px solid var(--gold); padding: 13px 24px; }
.alert-inner { max-width: 1100px; margin: 0 auto; display: flex; align-items: center; gap: 12px; font-size: 14px; }
.alert-inner a { color: var(--navy); font-weight: 600; }

/* ============================================================
   SECTIONS
   ============================================================ */
.section { padding: 64px 24px; }
.section-inner { max-width: 1100px; margin: 0 auto; }
.section-label { font-size: 11.5px; font-weight: 600; color: var(--navy); letter-spacing: 1.2px; text-transform: uppercase; margin-bottom: 8px; font-family: 'Source Sans 3', sans-serif; }
.section-title { font-size: 32px; color: var(--navy-dark); margin-bottom: 12px; }
.section-subtitle { font-size: 16px; color: var(--text-muted); max-width: 640px; margin-bottom: 40px; line-height: 1.65; }
.section-alt { background: var(--bg-white); }

/* ============================================================
   PROGRAM ROWS
   ============================================================ */
.programs-list { display: flex; flex-direction: column; border: 1px solid var(--border); border-radius: 10px; overflow: hidden; }
.program-row { display: grid; grid-template-columns: 60px 1fr auto auto; align-items: center; gap: 20px; padding: 22px 28px; background: var(--bg-white); border-bottom: 1px solid var(--border); text-decoration: none; color: inherit; transition: background 0.15s; }
.program-row:last-child { border-bottom: none; }
.program-row:hover { background: #f6f8fc; }
.prog-icon-box { width: 52px; height: 52px; background: var(--info-bg); border-radius: 10px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.prog-icon-box i { font-size: 22px; color: var(--navy); }
.program-row-main { min-width: 0; }
.program-row-name { font-family: 'Playfair Display', serif; font-size: 17px; font-weight: 700; color: var(--navy-dark); margin-bottom: 3px; }
.program-row-desc { font-size: 14px; color: var(--text-muted); }
.program-row-amount { text-align: right; flex-shrink: 0; }
.program-row-num { font-family: 'Playfair Display', serif; font-size: 20px; font-weight: 700; color: var(--success); white-space: nowrap; }
.program-row-who { font-size: 12px; color: var(--text-muted); margin-top: 3px; }
.program-row-arrow { color: #a0b0cc; font-size: 16px; flex-shrink: 0; transition: color 0.2s; }
.program-row:hover .program-row-arrow { color: var(--navy); }

/* ============================================================
   TABS
   ============================================================ */
.tabs { display: flex; border-bottom: 2px solid var(--border); margin-bottom: 28px; }
.tab { padding: 11px 18px; font-size: 14px; font-weight: 600; cursor: pointer; color: var(--text-muted); border-bottom: 2px solid transparent; margin-bottom: -2px; transition: all 0.2s; font-family: 'Source Sans 3', sans-serif; }
.tab:hover { color: var(--navy); }
.tab.active { color: var(--navy); border-bottom-color: var(--navy); }
.tab-panel { display: none; }
.tab-panel.active { display: block; }

/* ============================================================
   INFO LAYOUT & CARDS
   ============================================================ */
.info-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
.info-content h3 { font-size: 24px; color: var(--navy-dark); margin-bottom: 12px; }
.info-content p { font-size: 15px; color: var(--text-muted); line-height: 1.7; margin-bottom: 14px; }
.info-card { background: var(--bg-white); border: 1px solid var(--border); border-radius: 8px; padding: 24px; margin-bottom: 16px; }
.info-card:last-child { margin-bottom: 0; }
.info-card h4 { font-size: 15px; color: var(--navy-dark); margin-bottom: 12px; font-family: 'Source Sans 3', sans-serif; font-weight: 600; }
.info-box { background: var(--info-bg); border-left: 3px solid var(--navy); border-radius: 0 6px 6px 0; padding: 13px 16px; font-size: 14px; color: var(--text); margin: 16px 0; }
.warning-box { background: #fffae8; border-left: 3px solid var(--gold); border-radius: 0 6px 6px 0; padding: 13px 16px; font-size: 14px; color: #4a3800; margin: 16px 0; }

/* ============================================================
   TABLES & LISTS
   ============================================================ */
.benefit-table { width: 100%; border-collapse: collapse; }
.benefit-table th { background: var(--navy); color: #fff; padding: 10px 16px; text-align: left; font-size: 13px; font-weight: 600; font-family: 'Source Sans 3', sans-serif; }
.benefit-table td { padding: 11px 16px; border-bottom: 1px solid var(--border); font-size: 14px; }
.benefit-table tr:hover td { background: var(--info-bg); }
.benefit-table .amount { font-weight: 700; color: var(--success); }
.requirements-list { list-style: none; }
.requirements-list li { padding: 10px 0; border-bottom: 1px solid var(--border); font-size: 15px; display: flex; align-items: flex-start; gap: 10px; }
.requirements-list li:last-child { border-bottom: none; }
.req-icon { color: var(--navy); flex-shrink: 0; margin-top: 3px; font-size: 14px; }
.req-text strong { display: block; font-weight: 600; font-size: 15px; }
.req-text span { font-size: 13px; color: var(--text-muted); }

/* ============================================================
   ANCHOR ELIGIBILITY CALCULATOR
   ============================================================ */
.calc-wrap { background: var(--bg-white); border: 1px solid var(--border); border-radius: 10px; overflow: hidden; }
.calc-header {
  background:
    linear-gradient(rgba(0,0,128,0.6), rgba(0,0,128,0.6)),
    url('https://www.icona.com/wp-content/uploads/2025/02/Beach-1536x864.png');
  background-size: cover;
  background-position: left;
  color: #fff;
  padding: 22px 28px;
}
.calc-header h3 { font-size: 19px; margin-bottom: 4px; }
.calc-header p { font-size: 13px; color: #c0cfdf; }
.calc-body { padding: 28px; }
.calc-step { display: none; }
.calc-step.active { display: block; }
.step-question { font-family: 'Playfair Display', serif; font-size: 20px; color: var(--navy-dark); margin-bottom: 6px; }
.step-hint { font-size: 14px; color: var(--text-muted); margin-bottom: 22px; }
.choice-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(175px, 1fr)); gap: 12px; margin-bottom: 22px; }
.choice-btn { background: var(--bg); border: 1.5px solid var(--border); border-radius: 8px; padding: 16px 18px; cursor: pointer; text-align: left; transition: all 0.2s; font-family: 'Source Sans 3', sans-serif; font-size: 15px; color: var(--text); }
.choice-btn:hover { border-color: var(--navy); background: var(--info-bg); }
.choice-btn.selected { border-color: var(--navy); background: var(--info-bg); font-weight: 600; }
.choice-label { font-weight: 600; display: block; margin-bottom: 4px; }
.choice-sub { font-size: 13px; color: var(--text-muted); }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-weight: 600; font-size: 14px; color: var(--text); margin-bottom: 6px; }
.form-group input,
.form-group select { width: 100%; padding: 10px 14px; border: 1px solid var(--border); border-radius: 6px; font-size: 15px; font-family: 'Source Sans 3', sans-serif; color: var(--text); background: var(--bg); }
.form-group input:focus,
.form-group select:focus { outline: none; border-color: var(--navy); }
.calc-nav { display: flex; justify-content: space-between; align-items: center; margin-top: 22px; padding-top: 18px; border-top: 1px solid var(--border); }
.progress-bar { height: 4px; background: var(--border); border-radius: 2px; margin-bottom: 26px; }
.progress-fill { height: 100%; background: var(--gold); border-radius: 2px; transition: width 0.3s; }
.result-box { background: var(--green-light); border: 2px solid #5cb885; border-radius: 10px; padding: 28px; text-align: center; }
.result-box.no-qualify { background: #fdf3f2; border-color: #e8a09a; }
.result-amount { font-family: 'Playfair Display', serif; font-size: 52px; font-weight: 700; color: var(--green); margin: 10px 0; }
.result-label { font-size: 16px; color: var(--text); margin-bottom: 14px; font-weight: 600; }
.result-note { font-size: 13px; color: var(--text-muted); margin-top: 12px; }
.result-actions { display: flex; gap: 12px; justify-content: center; margin-top: 18px; flex-wrap: wrap; }
.qualify-checks { list-style: none; text-align: left; margin: 14px 0; }
.qualify-checks li { padding: 5px 0; font-size: 14px; display: flex; align-items: center; gap: 8px; }
.qualify-checks li::before { content: "✓"; color: var(--green); font-weight: 700; }
.qualify-checks.no li::before { content: "✗"; color: var(--red); }

/* ============================================================
   PAS-1 ACCORDION GUIDE
   ============================================================ */
.mail-docs { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-bottom: 32px; }
.mail-doc-card { background: var(--bg-white); border: 1px solid var(--border); border-radius: 10px; overflow: hidden; }
.mail-doc-img { background: var(--info-bg); padding: 24px; text-align: center; border-bottom: 1px solid var(--border); }
.mail-doc-img img { max-width: 100%; max-height: 200px; object-fit: contain; border-radius: 4px; box-shadow: 0 4px 16px rgba(0,0,0,0.12); }
.mail-doc-body { padding: 20px 24px; }
.mail-doc-body h4 { font-size: 16px; color: var(--navy-dark); margin-bottom: 8px; }
.mail-doc-body p { font-size: 14px; color: var(--text-muted); line-height: 1.6; }
.pas-wrap { background: var(--bg-white); border: 1px solid var(--border); border-radius: 10px; overflow: hidden; }
.pas-header { background: var(--navy); padding: 24px 28px; }
.pas-header h3 { color: #fff; font-size: 20px; margin-bottom: 4px; }
.pas-header p { color: #c0cfdf; font-size: 14px; }
.pas-acc-item { border-bottom: 1px solid var(--border); }
.pas-acc-item:last-of-type { border-bottom: none; }
.pas-acc-trigger { display: flex; align-items: center; gap: 16px; padding: 18px 24px; cursor: pointer; background: var(--bg-white); transition: background 0.15s; user-select: none; }
.pas-acc-trigger:hover { background: #f7f9fc; }
.pas-acc-trigger.open { background: var(--info-bg); }
.pas-acc-num { width: 36px; height: 36px; background: var(--navy); color: #fff; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: 14px; flex-shrink: 0; font-family: 'Playfair Display', serif; }
.pas-acc-trigger.open .pas-acc-num { background: var(--gold); color: var(--navy-dark); }
.pas-acc-title { flex: 1; font-family: 'Playfair Display', serif; font-size: 16px; color: var(--navy-dark); font-weight: 700; }
.pas-acc-subtitle { font-size: 13px; color: var(--text-muted); font-family: 'Source Sans 3', sans-serif; font-weight: 400; }
.pas-acc-arrow { color: var(--navy); font-size: 14px; transition: transform 0.2s; }
.pas-acc-trigger.open .pas-acc-arrow { transform: rotate(180deg); }
.pas-acc-body { display: none; padding: 0 24px 22px 76px; background: var(--bg-white); }
.pas-acc-body.open { display: block; }
.pas-acc-body p { font-size: 14px; color: var(--text-muted); line-height: 1.7; margin-bottom: 10px; }
.pas-acc-body p:last-child { margin-bottom: 0; }
.pas-options { display: flex; flex-wrap: wrap; gap: 8px; margin: 10px 0; }
.pas-option { background: var(--info-bg); border: 1px solid #c0d0e8; color: var(--navy); font-size: 13px; padding: 4px 12px; border-radius: 20px; }
.pas-tip { background: var(--gold-light); border-left: 3px solid var(--gold); padding: 10px 14px; font-size: 13px; color: #4a3800; border-radius: 0 6px 6px 0; margin-top: 10px; }
.pas-tip strong { color: #5a4500; }
.pas-cta { background: #f7f9fc; padding: 28px; border-top: 1px solid var(--border); display: grid; grid-template-columns: 1fr auto; gap: 20px; align-items: center; }
.pas-cta-text h4 { font-size: 18px; color: var(--navy-dark); margin-bottom: 6px; }
.pas-cta-text p { font-size: 14px; color: var(--text-muted); }
.pas-cta-text .payment-methods { font-size: 13px; color: var(--text-muted); margin-top: 6px; }
.pas-cta-btns { display: flex; flex-direction: column; gap: 10px; align-items: flex-end; }

/* ============================================================
   MORTGAGE CALCULATOR
   ============================================================ */
.mort-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; align-items: start; }
.mort-input-card { background: var(--bg-white); border: 1px solid var(--border); border-radius: 10px; padding: 28px; }
.mort-inputs { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.mort-field label { display: block; font-size: 12px; font-weight: 600; color: var(--text-muted); margin-bottom: 6px; text-transform: uppercase; letter-spacing: 0.6px; font-family: 'Source Sans 3', sans-serif; }
.mort-field input,
.mort-field select { width: 100%; padding: 11px 14px; border: 1px solid var(--border); border-radius: 6px; font-size: 16px; font-family: 'Source Sans 3', sans-serif; color: var(--text); background: var(--bg); transition: border-color 0.2s; }
.mort-field input:focus,
.mort-field select:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 3px rgba(26,58,107,0.08); }
.mort-calc-btn { width: 100%; padding: 13px; background: var(--navy); color: #fff; border: none; border-radius: 6px; font-size: 15px; font-weight: 600; cursor: pointer; margin-top: 16px; font-family: 'Source Sans 3', sans-serif; transition: background 0.2s; }
.mort-calc-btn:hover { background: var(--navy-dark); }
.mort-output-card { background: var(--bg-white); border: 1px solid var(--border); border-radius: 10px; overflow: hidden; }
.mort-output-top { background: var(--navy-dark); padding: 28px; text-align: center; }
.mort-output-label { font-size: 13px; color: #c0cfdf; margin-bottom: 8px; text-transform: uppercase; letter-spacing: 0.6px; font-family: 'Source Sans 3', sans-serif; }
.mort-output-num { font-family: 'Playfair Display', serif; font-size: 52px; font-weight: 700; color: #ffffff; }
.mort-output-sub { font-size: 13px; color: #a0b4cc; margin-top: 4px; }
.mort-empty-state { text-align: center; padding: 40px 28px; }
.mort-empty-state i { font-size: 40px; color: #c0ccdc; margin-bottom: 14px; display: block; }
.mort-empty-state p { font-size: 15px; color: var(--text-muted); }
.mort-breakdown { padding: 0; }
.mort-row { display: flex; justify-content: space-between; align-items: center; padding: 14px 24px; border-bottom: 1px solid var(--border); font-size: 15px; }
.mort-row:last-child { border-bottom: none; }
.mort-row .mlabel { color: var(--text-muted); display: flex; align-items: center; gap: 8px; }
.mort-row .mlabel i { font-size: 13px; color: var(--navy); opacity: 0.6; }
.mort-row .mvalue { font-weight: 700; color: var(--text); font-size: 16px; }
.mort-row .mvalue.highlight { color: var(--success); }

/* ============================================================
   SENIOR PROGRAMS
   ============================================================ */
.staynj-highlight { background: var(--navy-dark); color: #fff; border-radius: 10px; padding: 36px; margin-bottom: 28px; }
.staynj-highlight h3 { font-size: 24px; margin-bottom: 8px; }
.staynj-highlight p { color: #d0dcec; font-size: 15px; margin-bottom: 20px; }
.staynj-calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.staynj-input-group label { font-size: 13px; color: #c0cfdf; display: block; margin-bottom: 6px; }
.staynj-input-group input { width: 100%; padding: 10px 14px; border: 1px solid rgba(255,255,255,0.22); border-radius: 6px; background: rgba(255,255,255,0.1); color: #fff; font-size: 15px; font-family: 'Source Sans 3', sans-serif; }
.staynj-input-group input:focus { outline: none; border-color: var(--gold); }
.staynj-result { background: rgba(255,255,255,0.09); border: 1px solid rgba(255,255,255,0.15); border-radius: 8px; padding: 20px; margin-top: 18px; text-align: center; }
.staynj-result-num { font-family: 'Playfair Display', serif; font-size: 42px; font-weight: 700; color: #fff; }
.staynj-result-label { font-size: 14px; color: #c0cfdf; margin-top: 6px; }
.dual-programs { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.program-detail-card { background: var(--bg-white); border: 1px solid var(--border); border-radius: 8px; overflow: hidden; }
.detail-card-header { padding: 20px 24px; color: #fff; }
.detail-card-header.staynj-bg { background: var(--navy); }
.detail-card-header.freeze-bg { background: navy; }
.detail-card-header h3 { font-size: 18px; }
.detail-card-header p { font-size: 13px; opacity: 0.8; margin-top: 4px; }
.detail-card-body { padding: 20px 24px; }
.detail-row { display: flex; justify-content: space-between; padding: 9px 0; border-bottom: 1px solid var(--border); font-size: 14px; }
.detail-row:last-child { border-bottom: none; }
.detail-row .label { color: var(--text-muted); }
.detail-row .value { font-weight: 600; }
.detail-row .value.highlight { color: var(--success); }
.official-link { display: inline-flex; align-items: center; gap: 5px; color: var(--navy); font-weight: 600; text-decoration: none; font-size: 14px; margin-top: 14px; }
.official-link:hover { text-decoration: underline; }

/* ============================================================
   VETERANS
   ============================================================ */
.vet-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }

/* ============================================================
   PROPERTY TAX APPEAL STEPS
   ============================================================ */
.appeal-steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); gap: 18px; margin-top: 28px; }
.appeal-step { background: var(--bg-white); border: 1px solid var(--border); border-radius: 8px; padding: 22px; }
.step-num { width: 34px; height: 34px; background: var(--navy); color: #fff; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: 15px; margin-bottom: 12px; }
.appeal-step h4 { font-size: 15px; color: var(--navy-dark); margin-bottom: 8px; }
.appeal-step p { font-size: 14px; color: var(--text-muted); line-height: 1.6; }

/* ============================================================
   WIDGET / IFRAME CARDS
   ============================================================ */
.widget-card { background: var(--bg-white); border: 1px solid var(--border); border-radius: 10px; overflow: hidden; margin-bottom: 16px; }
.widget-card-header { background: var(--navy); padding: 22px 28px; }
.widget-card-header h3 { color: #fff; font-size: 19px; margin-bottom: 4px; }
.widget-card-header p { color: #c0cfdf; font-size: 14px; }

/* ============================================================
   TIKTOK SECTION
   ============================================================ */
.tiktok-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 32px; }
.tiktok-embed-wrap { background: var(--bg); border: 1px solid var(--border); border-radius: 10px; overflow: hidden; display: flex; justify-content: center; align-items: flex-start; padding: 16px; min-height: 700px; }
.tiktok-embed-wrap blockquote { width: 100%; }
.tiktok-follow-btn { display: inline-flex; align-items: center; gap: 10px; background: #010101; color: #fff; padding: 13px 24px; border-radius: 8px; text-decoration: none; font-size: 15px; font-weight: 600; transition: background 0.2s; margin-top: 16px; }
.tiktok-follow-btn:hover { background: #333; }
.tiktok-follow-btn i { font-size: 20px; }

/* ============================================================
   CONTACT / LEAD FORM
   ============================================================ */
.lead-section { background: var(--navy); color: #fff; padding: 64px 24px; }
.lead-inner { max-width: 1060px; margin: 0 auto; }
.lead-top { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; margin-bottom: 48px; }
.lead-content h2 { font-size: 30px; color: #fff; margin-bottom: 10px; }
.lead-content > p { color: #d0dcec; font-size: 15px; margin-bottom: 18px; }
.lead-points { list-style: none; margin-bottom: 24px; }
.lead-points li { padding: 7px 0; font-size: 14px; color: #d0dcec; display: flex; align-items: center; gap: 10px; }
.lead-points li i { color: var(--gold); font-size: 13px; width: 16px; }
.lead-form { background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.14); border-radius: 10px; padding: 26px; }
.lead-form h3 { font-size: 18px; color: #fff; margin-bottom: 18px; }
.lead-form input,
.lead-form select { width: 100%; padding: 10px 14px; margin-bottom: 10px; border: 1px solid rgba(255,255,255,0.2); border-radius: 6px; background: rgba(255,255,255,0.1); color: #fff; font-size: 14px; font-family: 'Source Sans 3', sans-serif; }
.lead-form input::placeholder { color: rgba(255,255,255,0.4); }
.lead-form select { appearance: none; }
.lead-form select option { color: var(--text); background: #fff; }
.lead-form input:focus,
.lead-form select:focus { outline: none; border-color: var(--gold); }
.lead-form .submit-btn { width: 100%; padding: 13px; background: var(--gold); border: none; border-radius: 6px; color: var(--navy-dark); font-size: 15px; font-weight: 700; cursor: pointer; font-family: 'Playfair Display', serif; transition: background 0.2s; }
.lead-form .submit-btn:hover { background: #d4af37; }
.lead-form .privacy { font-size: 12px; color: rgba(255,255,255,0.35); text-align: center; margin-top: 9px; }
.form-success { display: none; text-align: center; padding: 24px; }
.form-success .check-icon { font-size: 44px; color: var(--gold); margin-bottom: 10px; }
.form-success h4 { color: #fff; font-size: 19px; margin-bottom: 6px; }
.form-success p { color: #c0cfdf; font-size: 14px; }

/* ============================================================
   AGENT PHOTO CARDS
   ============================================================ */
.agent-photos { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; padding-top: 40px; border-top: 1px solid rgba(255,255,255,0.12); }
.agent-photo-card { background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.13); border-radius: 12px; padding: 28px 24px; display: flex; gap: 20px; align-items: flex-start; }
.agent-photo-img { width: 90px; height: 90px; border-radius: 50%; object-fit: cover; object-position: center top; flex-shrink: 0; border: 3px solid rgba(255,255,255,0.2); }
.agent-photo-info { flex: 1; min-width: 0; }
.agent-photo-name { font-family: 'Playfair Display', serif; font-size: 20px; color: #fff; font-weight: 700; margin-bottom: 4px; }
.agent-photo-title { font-size: 13px; color: #c0cfdf; margin-bottom: 10px; line-height: 1.45; }
.agent-photo-phone { font-size: 18px; font-weight: 700; color: var(--gold); text-decoration: none; display: block; margin-bottom: 6px; }
.agent-photo-phone:hover { color: #f0d87a; }
.agent-photo-meta { font-size: 12px; color: #8aaac8; }

/* ============================================================
   FAQ
   ============================================================ */
.faq-item { border: 1px solid var(--border); border-radius: 8px; margin-bottom: 10px; overflow: hidden; }
.faq-question { padding: 17px 20px; cursor: pointer; display: flex; justify-content: space-between; align-items: center; background: var(--bg-white); font-weight: 600; font-size: 15px; color: var(--navy-dark); transition: background 0.15s; user-select: none; font-family: 'Source Sans 3', sans-serif; }
.faq-question:hover { background: var(--info-bg); }
.faq-arrow { font-size: 14px; color: var(--navy); transition: transform 0.2s; flex-shrink: 0; }
.faq-answer { display: none; padding: 16px 20px 18px; font-size: 14.5px; color: var(--text-muted); line-height: 1.7; background: var(--bg-white); border-top: 1px solid var(--border); }
.faq-answer a { color: var(--navy); font-weight: 600; }
.faq-item.open .faq-arrow { transform: rotate(180deg); }
.faq-item.open .faq-answer { display: block; }

/* ============================================================
   FOOTER
   ============================================================ */
footer { background: var(--navy-dark); color: #7090b0; padding: 40px 24px; font-size: 13px; }
.footer-inner { max-width: 1100px; margin: 0 auto; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 40px; margin-bottom: 28px; }
.footer-brand { font-family: 'Playfair Display', serif; font-size: 17px; color: #fff; font-weight: 700; margin-bottom: 10px; }
.footer-brand span { color: var(--gold); }
.footer-col h4 { color: #b0c4dc; font-family: 'Source Sans 3', sans-serif; font-weight: 600; font-size: 11px; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 12px; }
.footer-links { list-style: none; }
.footer-links li { margin-bottom: 7px; }
.footer-links a { color: #7090b0; text-decoration: none; transition: color 0.2s; }
.footer-links a:hover { color: #fff; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.08); padding-top: 22px; display: flex; justify-content: space-between; align-items: flex-start; gap: 20px; flex-wrap: wrap; }
.disclaimer { font-size: 12px; color: #4a6080; max-width: 680px; line-height: 1.55; }
.updated-tag { background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.1); padding: 4px 12px; border-radius: 20px; font-size: 12px; color: #7090b0; white-space: nowrap; }

/* ============================================================
   RESPONSIVE — MOBILE
   ============================================================ */
@media (max-width: 768px) {
  .hero h1 { font-size: 28px; }
  .info-grid,
  .mort-grid,
  .lead-top,
  .dual-programs,
  .vet-grid,
  .mail-docs,
  .agent-photos { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 22px; }
  .nav-links { display: none; }
  .staynj-calc-grid,
  .mort-inputs { grid-template-columns: 1fr; }
  .section { padding: 40px 16px; }
  .program-row { grid-template-columns: 52px 1fr; }
  .program-row-amount,
  .program-row-arrow { display: none; }
  .pas-cta { grid-template-columns: 1fr; }
  .pas-cta-btns { align-items: flex-start; }
  .tiktok-grid { grid-template-columns: 1fr; }
  .pas-acc-body { padding-left: 24px; }
}