/* Page styles for /mortgage-center-home-equity-programs/, from acu-website mortgage-center-home-equity-programs.html (tools/import-kit-page.py). */

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

:root {
  --navy: #1B2A4A; --navy-light: #243658; --navy-dark: #111d33;
  --orange: #C75B12; --orange-light: #d9762e; --gold: #D4952B;
  --cream: #E8E6E2; --offwhite: #F2F0EC; --midgray: #6B7280;
  --slate: #1F2937; --teal: #005984;
  --surface: #E8E4DF; --surface-light: #f0ede9; --surface-dark: #d4d0cb;
  --shadow-raised: 8px 8px 20px rgba(166,162,155,0.45), -8px -8px 20px rgba(255,255,255,0.8);
  --shadow-raised-sm: 4px 4px 10px rgba(166,162,155,0.4), -4px -4px 10px rgba(255,255,255,0.7);
  --shadow-inset: inset 4px 4px 10px rgba(166,162,155,0.4), inset -4px -4px 10px rgba(255,255,255,0.7);
  --shadow-raised-hover: 10px 10px 25px rgba(166,162,155,0.5), -10px -10px 25px rgba(255,255,255,0.85);
  --dark-surface: #1B2A4A;
  --dark-shadow-raised: 8px 8px 20px rgba(10,16,30,0.6), -8px -8px 20px rgba(40,55,90,0.3);
  --ease-out-expo: cubic-bezier(0.16, 1, 0.3, 1);
  --ease-out-quart: cubic-bezier(0.25, 1, 0.5, 1);
  --section-pad: clamp(80px, 10vw, 140px);
}

html { scroll-behavior: smooth; font-size: 16px; overflow-x: hidden; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  background: var(--surface); color: var(--slate); line-height: 1.6;
  overflow-x: hidden; -webkit-font-smoothing: antialiased;
}

/* Animations */
@keyframes fadeInUp { from { opacity:0; transform:translateY(50px); } to { opacity:1; transform:translateY(0); } }
@keyframes shimmer { 0% { background-position:-200% 0; } 100% { background-position:200% 0; } }
@keyframes float { 0%,100%{transform:translateY(0)} 50%{transform:translateY(-10px)} }

.reveal { opacity:0; transform:translateY(40px); transition: opacity 0.9s var(--ease-out-expo), transform 0.9s var(--ease-out-expo); }
.reveal.visible { opacity:1; transform:translateY(0); }
.reveal-left { opacity:0; transform:translateX(-50px); transition: opacity 0.9s var(--ease-out-expo), transform 0.9s var(--ease-out-expo); }
.reveal-left.visible { opacity:1; transform:translateX(0); }
.reveal-right { opacity:0; transform:translateX(50px); transition: opacity 0.9s var(--ease-out-expo), transform 0.9s var(--ease-out-expo); }
.reveal-right.visible { opacity:1; transform:translateX(0); }
.stagger-1{transition-delay:.1s} .stagger-2{transition-delay:.2s} .stagger-3{transition-delay:.3s}
.stagger-4{transition-delay:.4s} .stagger-5{transition-delay:.5s} .stagger-6{transition-delay:.6s}
.shimmer-text {
  background: linear-gradient(90deg, var(--orange) 0%, var(--gold) 50%, var(--orange) 100%);
  background-size: 200% auto; -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text; animation: shimmer 3s linear infinite;
}

/* Nav */
.nav { position:fixed; top:0; left:0; right:0; z-index:1000; padding:24px 40px; display:flex; align-items:center; justify-content:space-between; transition:all 0.5s var(--ease-out-quart); background:transparent; }
.nav.scrolled { padding:12px 40px; background:rgba(232,228,223,0.85); backdrop-filter:blur(20px) saturate(180%); -webkit-backdrop-filter:blur(20px) saturate(180%); box-shadow:0 1px 30px rgba(27,42,74,0.08); }
.nav-logo img { height:120px; transition:all 0.5s var(--ease-out-quart); filter:brightness(0) invert(1); }
.nav.scrolled .nav-logo img { height:38px; filter:none; }
.nav-links { display:flex; align-items:center; gap:6px; list-style:none; }
.nav-links a { color:white; text-decoration:none; font-size:0.875rem; font-weight:500; padding:8px 16px; border-radius:12px; transition:all 0.3s ease; letter-spacing:0.01em; }
.nav-links a:hover { background:rgba(255,255,255,0.12); }
.nav.scrolled .nav-links a { color:var(--navy); }
.nav.scrolled .nav-links a:hover { background:rgba(27,42,74,0.06); box-shadow:var(--shadow-raised-sm); }
.nav-cta { background:var(--orange)!important; color:white!important; padding:10px 24px!important; border-radius:14px!important; font-weight:600!important; box-shadow:0 4px 15px rgba(199,91,18,0.3)!important; transition:all 0.3s ease!important; }
.nav.scrolled .nav-cta { background:var(--navy)!important; box-shadow:var(--shadow-raised-sm)!important; }
.nav-cta:hover { background:var(--gold)!important; transform:translateY(-2px); box-shadow:0 8px 25px rgba(212,149,43,0.4)!important; }
.nav.scrolled .nav-cta:hover { background:var(--orange)!important; box-shadow:0 8px 25px rgba(199,91,18,0.3)!important; }
.nav-toggle { display:none; flex-direction:column; gap:5px; cursor:pointer; z-index:1001; padding:8px; }
.nav-toggle span { width:24px; height:2px; background:white; border-radius:2px; transition:all 0.3s ease; }
.nav.scrolled .nav-toggle span { background:var(--navy); }
.nav-active { background:rgba(255,255,255,0.12)!important; }
.nav.scrolled .nav-active { background:rgba(27,42,74,0.06)!important; box-shadow:var(--shadow-raised-sm)!important; }
.nav-toggle.active span:nth-child(1){transform:rotate(45deg) translate(5px,5px)} .nav-toggle.active span:nth-child(2){opacity:0} .nav-toggle.active span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}

/* Split-Curtain Hero */
.hero { min-height: 100vh; display: flex; position: relative; overflow: hidden; background: var(--navy); }
.hero-left {
  flex: 0 0 48%; background: var(--navy); padding: 160px 60px 80px;
  display: flex; flex-direction: column; justify-content: center;
  position: relative; z-index: 2;
}
.hero-est {
  display: inline-flex; align-items: center; gap: 12px; margin-bottom: 32px;
  opacity: 0; animation: fadeInUp 0.8s var(--ease-out-expo) 0.3s forwards;
}
.hero-est-badge {
  font-family: 'futura-pt', 'Futura PT','Futura','Baumans',sans-serif;
  font-size: 0.8rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase;
  color: white; background: rgba(199,91,18,0.15); border: 1px solid rgba(199,91,18,0.3);
  padding: 8px 20px; border-radius: 24px; display: inline-flex; align-items: center; gap: 8px;
}
.hero-est-dot { width: 8px; height: 8px; border-radius: 50%; background: linear-gradient(135deg, var(--orange), var(--gold)); }
.hero-title {
  font-family: 'futura-pt', 'Futura PT','Futura','Baumans',sans-serif;
  font-size: clamp(2.8rem, 5.5vw, 4.5rem); line-height: 1.08; color: white;
  margin-bottom: 24px; max-width: 600px;
  opacity: 0; animation: fadeInUp 0.8s var(--ease-out-expo) 0.5s forwards;
}
.hero-subtitle {
  font-size: 1.1rem; line-height: 1.7; color: rgba(255,255,255,0.6);
  margin-bottom: 40px; max-width: 480px;
  opacity: 0; animation: fadeInUp 0.8s var(--ease-out-expo) 0.7s forwards;
}
.hero-actions {
  display: flex; gap: 16px; flex-wrap: wrap;
  opacity: 0; animation: fadeInUp 0.8s var(--ease-out-expo) 0.9s forwards;
}
.hero-right { flex: 1; position: relative; overflow: hidden; }
.hero-right img { width: 100%; height: 100%; object-fit: cover; object-position: center 30%; }
.hero-right::after {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(to right, rgba(27,42,74,0.18), transparent 40%); z-index: 1;
}
.hero .btn-glow { background: linear-gradient(135deg, var(--orange), var(--gold)); color: white; box-shadow: 0 8px 30px rgba(199,91,18,0.4); }
.hero .btn-glow:hover { transform: translateY(-3px) scale(1.02); box-shadow: 0 12px 40px rgba(199,91,18,0.5); }
.hero .btn-outline-light { background: transparent; color: white; border: 1.5px solid rgba(255,255,255,0.25); box-shadow: none; }
.hero .btn-outline-light:hover { border-color: var(--gold); color: var(--gold); }

/* Buttons */
.btn-glow { background:linear-gradient(135deg, var(--orange), var(--gold)); color:white; padding:18px 40px; border-radius:18px; font-size:1rem; font-weight:600; text-decoration:none; display:inline-flex; align-items:center; gap:10px; box-shadow:0 8px 30px rgba(199,91,18,0.4); transition:all 0.35s ease; border:none; cursor:pointer; }
.btn-glow:hover { transform:translateY(-3px) scale(1.02); box-shadow:0 12px 40px rgba(199,91,18,0.5); }
.btn-outline-light { color:white; border:1.5px solid rgba(255,255,255,0.25); padding:18px 40px; border-radius:18px; font-size:1rem; font-weight:500; text-decoration:none; display:inline-flex; align-items:center; gap:10px; transition:all 0.35s ease; background:transparent; cursor:pointer; }
.btn-outline-light:hover { border-color:var(--gold); color:var(--gold); transform:translateY(-2px); }
.btn-neu { display:inline-flex; align-items:center; gap:10px; padding:16px 36px; border-radius:18px; font-size:0.95rem; font-weight:600; text-decoration:none; cursor:pointer; border:none; transition:all 0.35s var(--ease-out-quart); }
.btn-primary { background:var(--navy); color:white; box-shadow:6px 6px 16px rgba(27,42,74,0.35), -3px -3px 10px rgba(255,255,255,0.62); }
.btn-primary:hover { background:var(--orange); transform:translateY(-3px); box-shadow:0 12px 30px rgba(199,91,18,0.35); }
.btn-secondary { background:var(--surface); color:var(--navy); box-shadow:var(--shadow-raised); }
.btn-secondary:hover { transform:translateY(-3px); box-shadow:var(--shadow-raised-hover); }
.btn-icon { width:20px; height:20px; transition:transform 0.3s ease; }
.btn-glow:hover .btn-icon { transform:translateX(4px); }

/* Sections */
.section { padding:var(--section-pad) 40px; position:relative; }
.section-inner { max-width:1280px; margin:0 auto; }
.section-header { text-align:center; margin-bottom:64px; }
.section-label { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:0.8rem; letter-spacing:0.15em; text-transform:uppercase; color:var(--orange); margin-bottom:16px; display:flex; align-items:center; justify-content:center; gap:12px; }
.section-label::before, .section-label::after { content:''; width:24px; height:1px; background:var(--orange); }
.section-title { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:clamp(2rem,4vw,3rem); color:var(--navy); line-height:1.15; margin-bottom:16px; }
.section-desc { font-size:1.05rem; color:var(--midgray); max-width:560px; margin:0 auto; line-height:1.65; }

/* Trust Stat Bar */
.trust-bar { padding: 60px 40px; background: var(--surface-light); }
.trust-bar-inner {
  max-width: 1280px; margin: 0 auto;
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 40px;
  text-align: center;
}
.trust-stat { padding: 20px; }
.trust-stat-value {
  font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif;
  font-size: clamp(2rem, 3vw, 2.8rem); color: var(--navy); line-height: 1;
  margin-bottom: 8px;
}
.trust-stat-label { font-size: 0.85rem; color: var(--midgray); line-height: 1.4; }

/* Split Feature */
.split-feature {
  display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center;
}
.split-feature + .split-feature { margin-top: clamp(64px, 8vw, 110px); }
.split-feature.flip .split-content { order: 2; }
.split-feature.flip .split-visual { order: 1; }
.split-label {
  font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif;
  font-size: 0.8rem; letter-spacing: 0.15em; text-transform: uppercase;
  color: var(--orange); margin-bottom: 16px;
  display: inline-flex; align-items: center; gap: 10px;
}
.split-label::before { content:''; width:24px; height:1px; background:var(--orange); }
.split-title {
  font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif;
  font-size: clamp(1.7rem, 3vw, 2.4rem); color: var(--navy); line-height: 1.15; margin-bottom: 20px;
}
.split-desc {
  font-size: 1rem; color: var(--midgray); line-height: 1.7; margin-bottom: 32px;
}
.split-features-list { list-style: none; margin-bottom: 36px; }
.split-features-list li {
  display: flex; align-items: flex-start; gap: 14px;
  padding: 12px 0; font-size: 0.92rem; color: var(--slate); line-height: 1.5;
}
.split-features-list li svg {
  width: 20px; height: 20px; fill: var(--gold); flex-shrink: 0; margin-top: 2px;
}
.split-visual { position: relative; }
.split-visual-card {
  background: var(--surface); border-radius: 28px;
  box-shadow: var(--shadow-raised); padding: 48px 40px;
  position: relative; overflow: hidden;
}
.split-visual-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--orange), var(--gold));
}
.sba-stat-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.sba-stat {
  background: var(--surface-light); border-radius: 18px;
  padding: 24px 20px; text-align: center;
  box-shadow: var(--shadow-raised-sm);
  transition: all 0.3s ease;
}
.sba-stat:hover { transform: translateY(-3px); box-shadow: var(--shadow-raised); }
.sba-stat-value {
  font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif;
  font-size: 1.8rem; color: var(--navy); line-height: 1;
  margin-bottom: 6px;
}
.sba-stat-label { font-size: 0.78rem; color: var(--midgray); line-height: 1.4; }

/* Fees / info card */
.info-card {
  background: var(--surface); border-radius: 24px; box-shadow: var(--shadow-raised);
  padding: clamp(32px, 4vw, 48px); max-width: 960px; margin: 0 auto;
}
.info-card + .info-card { margin-top: 24px; }
.info-card h3 {
  font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif;
  font-size: 1.2rem; color: var(--navy); margin-bottom: 14px;
}
.info-card p { font-size: 0.95rem; color: var(--slate); line-height: 1.7; margin-bottom: 12px; }
.info-card p:last-child { margin-bottom: 0; }
.info-card strong { color: var(--navy); }
.info-highlight {
  background: linear-gradient(135deg, rgba(199,91,18,0.08), rgba(212,149,43,0.08));
  border-left: 4px solid var(--orange); border-radius: 0 14px 14px 0;
  padding: 20px 24px; margin-top: 8px;
}
.info-highlight p { margin: 0; color: var(--slate); }

/* Consultative Team Band */
.team-band {
  background: var(--navy); padding: 90px 40px; position: relative; overflow: hidden;
}
.team-band::before {
  content: ''; position: absolute; width: 700px; height: 700px;
  background: radial-gradient(circle, rgba(199,91,18,0.12), transparent 65%);
  top: -350px; right: -200px;
}
.team-band-inner {
  max-width: 860px; margin: 0 auto; text-align: center; position: relative; z-index: 2;
}
.team-band h2 {
  font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif;
  font-size: clamp(1.9rem, 3.5vw, 2.8rem); color: white; line-height: 1.15; margin-bottom: 20px;
}
.team-band p {
  font-size: 1.05rem; color: rgba(255,255,255,0.6); line-height: 1.7;
  max-width: 640px; margin: 0 auto 36px;
}
.team-band-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* Testimonial (dark band) */
.testimonial-band {
  background: var(--navy); padding: 80px 40px; position: relative; overflow: hidden;
}
.testimonial-band::before {
  content: ''; position: absolute; width: 700px; height: 700px;
  background: radial-gradient(circle, rgba(212,149,43,0.08), transparent 65%);
  bottom: -350px; left: -200px;
}
.testimonial-inner {
  max-width: 900px; margin: 0 auto; text-align: center; position: relative; z-index: 2;
}
.testimonial-quote {
  font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif;
  font-size: clamp(1.3rem, 2.5vw, 1.8rem); color: white;
  line-height: 1.5; margin-bottom: 32px; font-style: italic;
}
.testimonial-author { font-size: 0.95rem; font-weight: 600; color: var(--gold); }
.testimonial-role { font-size: 0.82rem; color: rgba(255,255,255,0.4); margin-top: 4px; }

/* CTA */
.cta-section { text-align:center; background:linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%); position:relative; overflow:hidden; }
.cta-section::before { content:''; position:absolute; width:800px; height:800px; background:radial-gradient(circle, rgba(199,91,18,0.12), transparent 65%); top:-400px; left:50%; transform:translateX(-50%); }
.cta-section .section-inner { position:relative; z-index:2; }
.cta-title { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:clamp(2.2rem,4.5vw,3.5rem); color:white; margin-bottom:20px; line-height:1.15; }
.cta-desc { font-size:1.1rem; color:rgba(255,255,255,0.6); max-width:520px; margin:0 auto 36px; line-height:1.65; }
.cta-actions { display:flex; gap:16px; justify-content:center; flex-wrap:wrap; }

/* Footer */
.footer { background:var(--slate); padding:80px 40px 40px; color:rgba(255,255,255,0.7); }
.footer-grid { max-width:1280px; margin:0 auto; display:grid; grid-template-columns:2fr 1fr 1fr 1fr 1fr; gap:40px; padding-bottom:60px; border-bottom:1px solid rgba(255,255,255,0.08); }
.footer-brand img { height:44px; margin-bottom:16px; }
.footer-brand p { font-size:0.85rem; line-height:1.6; max-width:280px; color:rgba(255,255,255,0.62); }
.footer-col h4, .footer-col .footer-h { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:0.9rem; color:white; margin-bottom:16px; }
.footer-col ul { list-style:none; } .footer-col li { margin-bottom:10px; }
.footer-col a { color:rgba(255,255,255,0.62); text-decoration:none; font-size:0.85rem; transition:color 0.3s ease; }
.footer-col a:hover { color:var(--gold); }
.footer-contact-item { display:flex; align-items:center; gap:10px; margin-bottom:12px; font-size:0.85rem; }
.footer-contact-item svg { width:16px; height:16px; fill:var(--gold); flex-shrink:0; }
.footer-bottom { max-width:1280px; margin:0 auto; padding-top:30px; display:flex; align-items:center; justify-content:space-between; flex-wrap:wrap; gap:20px; }
.footer-bottom p { font-size:0.75rem; color:rgba(255,255,255,0.35); }
.footer-badges { display:flex; align-items:center; gap:20px; }
.footer-badges img { height:32px; opacity:0.6; }
.footer-social { display:flex; gap:10px; }
.footer-social a { width:38px; height:38px; border-radius:12px; background:rgba(255,255,255,0.06); display:flex; align-items:center; justify-content:center; transition:all 0.3s ease; }
.footer-social a:hover { background:var(--orange); transform:translateY(-2px); }
.footer-social svg { width:18px; height:18px; fill:rgba(255,255,255,0.6); }
.footer-social a:hover svg { fill:white; }

/* FAQ Accordion */
.faq-item { background: var(--surface); border-radius: 18px; box-shadow: var(--shadow-raised-sm); overflow: hidden; transition: box-shadow 0.3s ease; margin-bottom: 12px; }
.faq-item:hover { box-shadow: var(--shadow-raised); }
.faq-question { width: 100%; background: none; border: none; padding: 24px 28px; display: flex; align-items: center; justify-content: space-between; gap: 16px; cursor: pointer; text-align: left; }
.faq-question h3 { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size: 1rem; color: var(--navy); line-height: 1.3; margin: 0; }
.faq-chevron { width: 22px; height: 22px; fill: var(--orange); flex-shrink: 0; transition: transform 0.35s var(--ease-out-expo); }
.faq-item.open .faq-chevron { transform: rotate(180deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.45s var(--ease-out-expo); }
.faq-answer-inner { padding: 0 28px 24px; font-size: 0.92rem; color: var(--midgray); line-height: 1.7; }
.faq-item.open .faq-answer { max-height: 500px; }

/* Responsive */
@media (max-width:1024px) {
  .hero { flex-direction: column; }
  .hero-left { flex: 0 0 auto; min-height: 60vh; padding: 120px 40px 60px; }
  .hero-right { flex: 0 0 40vh; }
  .split-feature { grid-template-columns: 1fr; gap: 40px; }
  .split-feature.flip .split-content { order: 1; }
  .split-feature.flip .split-visual { order: 2; }
  .trust-bar-inner { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width:768px) {
  .nav{padding:16px 20px} .nav.scrolled{padding:12px 20px}
  .nav-links{display:none;position:fixed;top:0;left:0;right:0;bottom:0;background:rgba(232,228,223,0.98);backdrop-filter:blur(20px);flex-direction:column;align-items:center;justify-content:center;gap:12px}
  .nav-links.open{display:flex} .nav-links.open a{color:var(--navy)!important} .nav-links.open a:hover{background:rgba(27,42,74,0.06)} .nav-toggle{display:flex}
  .hero-left { padding: 100px 20px 40px; min-height: 55vh; }
  .hero-right { flex: 0 0 35vh; }
  .hero-actions { flex-direction:column; align-items:stretch; text-align:center; }
  .section{padding:60px 20px} .section-header{margin-bottom:40px}
  .sba-stat-grid{grid-template-columns:1fr}
  .trust-bar-inner{grid-template-columns:1fr}
  .team-band{padding:60px 20px}
  .team-band-actions{flex-direction:column;align-items:center}
  .footer-grid{grid-template-columns:1fr} .footer-bottom{flex-direction:column;text-align:center}
  .cta-actions{flex-direction:column;align-items:center}
}

.hero-video {
  position: absolute;
  inset: 0;
  width: 100%; height: 100%;
  object-fit: cover;
  z-index: 0;
  opacity: 0;
  transition: opacity 1.2s ease;
}
.hero-video.playing { opacity: 1; }
@media (max-width: 1024px), (prefers-reduced-motion: reduce) {
  .hero-video { display: none; }
}