/* Global Component Styles */
*, *::before, *::after {
    box-sizing: border-box;
}

html, body {
    width: 100%;
    margin: 0;
    padding: 0;
    overflow-x: hidden;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 var(--spacing-md);
}
.full-width { width: 100%; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }
.text-center { text-align: center; }
.text-white { color: #fff; }
.text-teal { color: #00a2e8; }
.text-gray { color: #cbd5e1; }
.text-sm { font-size: 0.875rem; }
.text-xs { font-size: 0.75rem; }
.font-bold { font-weight: 700; }
.bg-light { background-color: var(--color-bg-alt); }
.bg-primary { background-color: var(--color-primary); }
.bg-teal { background-color: var(--color-primary); }
.bg-gray { background-color: #cbd5e1; }
.bg-white { background-color: #fff; }
.mb-2 { margin-bottom: 0.5rem; }
.mb-3 { margin-bottom: 1rem; }
.mb-4 { margin-bottom: 1.5rem; }
.mb-5 { margin-bottom: 3rem; }
.mt-2 { margin-top: 0.5rem; }
.mt-4 { margin-top: 1.5rem; }
.mt-5 { margin-top: 3rem; }
.p-5 { padding: 3rem; }
.py-2 { padding-top: 0.5rem; padding-bottom: 0.5rem; }
.py-5 { padding: 3rem 0; }
.pt-5 { padding-top: 3rem; }
.pt-3 { padding-top: 1.5rem; }
.pb-3 { padding-bottom: 1.5rem; }
.pb-4 { padding-bottom: 2rem; }
.gap-4 { gap: 1.5rem; }
.gap-5 { gap: 2.5rem; }
.mx-auto { margin-left: auto; margin-right: auto; }
.max-w-700 { max-width: 700px; }
.shadow-lg { box-shadow: 0 10px 40px rgba(0,0,0,0.1); }
.border-top { border-top: 1px solid rgba(255,255,255,0.1); }
.align-center { display: flex; flex-direction: column; justify-content: center; }

/* Typography Helpers */
.section-label { font-weight: 700; color: var(--color-primary); font-size: 0.875rem; letter-spacing: 1px; display: block; margin-bottom: 0.5rem; text-transform: uppercase; }
h2 { font-size: 2.5rem; color: var(--color-secondary); margin-bottom: 1rem; }
h3 { font-size: 1.5rem; color: var(--color-secondary); margin-bottom: 0.75rem; }
h4 { font-size: 1.125rem; color: #fff; margin-bottom: 1rem; font-weight: 600; }
h5 { font-size: 1rem; color: #fff; font-weight: 600; }
p { color: var(--color-text-muted); margin-bottom: 1rem; }

/* Top Bar */
.top-bar { background-color: var(--color-bg-alt); padding: 0.5rem 0; font-size: 0.875rem; border-bottom: 1px solid #eaeaea; }
.top-bar-inner { display: flex; justify-content: space-between; align-items: center; }
.top-info span { margin-right: 1.5rem; color: var(--color-text-muted); }
.social-icon { display: inline-flex; width: 24px; height: 24px; align-items: center; justify-content: center; background: var(--color-primary); color: #fff; border-radius: 4px; font-weight: bold; }

/* Header */
.header { background: #fff; padding: 1rem 0; position: sticky; top: 0; z-index: 1000; box-shadow: 0 2px 10px rgba(0,0,0,0.05); }
.header-inner { display: flex; justify-content: space-between; align-items: center; }
.main-nav { margin-right: auto; margin-left: 3rem; }
.main-nav ul { list-style: none; display: flex; gap: 2rem; margin: 0; padding: 0;}
.main-nav a { font-weight: 600; color: var(--color-secondary); font-size: 0.95rem; }
.main-nav a:hover, .main-nav a.active { color: var(--color-primary); }
.has-dropdown { position: relative; }
.main-nav .dropdown-menu { display: none; position: absolute; top: 100%; left: -20px; background: #fff; min-width: 320px; box-shadow: 0 10px 30px rgba(0,0,0,0.1); border-radius: 8px; padding: 1rem 0; z-index: 1001; flex-direction: column; gap: 0; }
.main-nav .dropdown-menu li { display: block; width: 100%; margin: 0; }
.main-nav .dropdown-menu a { display: flex; align-items: center; gap: 0.75rem; padding: 0.75rem 1.5rem; font-size: 0.9rem; font-weight: 500; color: var(--color-text-main); transition: 0.2s; }
.main-nav .dropdown-menu a:hover { background: var(--color-bg-alt); color: var(--color-primary); }
.main-nav .has-dropdown:hover .dropdown-menu { display: block; }
.menu-icon { width: 18px; height: 18px; display: inline-flex; align-items: center; justify-content: center; color: var(--color-primary); opacity: 0.7; transition: opacity 0.2s; }
.main-nav .dropdown-menu a:hover .menu-icon { opacity: 1; }
.header-actions { display: flex; align-items: center; gap: 1.5rem; }
.contact-info { text-align: right; }
.contact-info .muted { display: block; font-size: 0.75rem; color: var(--color-text-muted); }
.contact-info strong { font-size: 1.125rem; color: var(--color-secondary); }

/* Hero Section */
.hero-split { position: relative; display: flex; min-height: 600px; background-color: var(--color-secondary); overflow: hidden; }
.hero-bg-left { position: absolute; top: 0; left: 0; width: 55%; height: 100%; background: var(--color-secondary); z-index: 1; }
.hero-bg-right { position: absolute; top: 0; right: 0; width: 50%; height: 100%; background-size: cover; background-position: center; clip-path: polygon(10% 0, 100% 0, 100% 100%, 0% 100%); z-index: 1; }
.hero-content { position: relative; z-index: 2; display: flex; align-items: center; width: 100%; padding: 4rem 0; }
.hero-text { width: 50%; color: #fff; padding-right: 3rem; }
.hero-text h1 { color: #fff; font-size: 3.5rem; margin-bottom: 1.5rem; line-height: 1.1; }
.hero-subtext { color: #d1d5db; font-size: 1.125rem; margin-bottom: 2rem; }
.teal-checks { list-style: none; margin-bottom: 2rem; padding: 0;}
.teal-checks li { margin-bottom: 0.75rem; font-weight: 500; color: #fff; display: flex; gap: 0.5rem; align-items: center; }
.who-we-are-section .teal-checks li { color: var(--color-secondary); margin-bottom: 1rem; line-height: 1.5; align-items:flex-start; }
.hero-badges { display: flex; gap: 1rem; margin-top: 3rem; border-top: 1px solid rgba(255,255,255,0.1); padding-top: 1.5rem; }
.hero-badges .badge { background: rgba(255,255,255,0.05); padding: 0.75rem 1rem; border-radius: 8px; font-size: 0.875rem; }
.hero-badges .badge strong { display: block; color: var(--color-primary); margin-bottom: 0.25rem; }

/* About Section */
.about-section { padding: 5rem 0; }
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; }
.about-image-wrapper { position: relative; }
.about-img { width: 100%; border-radius: 12px; display: block; }
.floating-card { position: absolute; background: #fff; padding: 1.5rem; border-radius: 8px; box-shadow: 0 10px 40px rgba(0,0,0,0.1); display: flex; flex-direction: column; justify-content: center; align-items: center; }
.stat-card { bottom: -2rem; right: -2rem; border-top: 4px solid var(--color-primary); }
.stat-card h3 { color: var(--color-primary); font-size: 2.5rem; margin-bottom: 0; line-height:1; }
.stat-card p { margin: 0; font-weight: 600; color: var(--color-secondary); }

/* Services Section */
.services-section { padding: 5rem 0; }
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; }
.service-card { background: #fff; border-radius: 12px; box-shadow: 0 5px 20px rgba(0,0,0,0.05); overflow: hidden; position: relative; transition: transform 0.3s ease; display:flex; flex-direction: column; }
.service-card:hover { transform: translateY(-5px); }
.service-number { position: absolute; top: 1rem; right: 1.5rem; font-size: 4rem; font-weight: 800; color: rgba(0,0,0,0.03); line-height: 1; z-index: 1;}
.service-content { padding: 2rem; padding-bottom: 1rem; position: relative; z-index: 2; flex-grow: 1;}
.service-card h3 { font-size: 1.25rem; margin-bottom: 0.5rem; position: relative; z-index: 2; color: var(--color-secondary); }
.card-icon { width: 44px; height: 44px; color: #00a2e8; margin-bottom: 1rem; display: block; position: relative; z-index: 2; stroke-width: 1.5; }
.service-footer { padding: 1.25rem 2rem; background: var(--color-secondary); color: #fff; text-decoration: none; font-weight: 600; font-size: 0.875rem; transition: 0.3s; display: flex; align-items: center; justify-content: space-between; margin-top: auto; }
.service-footer:hover { background: var(--color-primary); color: #fff; text-decoration: none; }

/* Choose Us Section */
.choose-us-section { padding: 5rem 0; }
.container-narrow { max-width: 800px; margin: 0 auto; }
.feature-list { list-style: none; margin: 0; padding: 0; }
.feature-list li { padding: 1.25rem 0; border-bottom: 1px solid #eaeaea; color: inherit; font-size: 1.1rem; }

/* Lenders Section */
.lenders-section { padding: 5rem 0; }
.lenders-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 1rem; }
.lender-logo { background: #fff; border: 1px solid #eaeaea; border-radius: 8px; padding: 1rem; text-align: center; color: var(--color-text-muted); font-weight: 600; font-size: 0.8rem; display: flex; align-items: center; justify-content: center; height: 70px; text-transform: uppercase; box-shadow: 0 2px 10px rgba(0,0,0,0.02); transition: box-shadow 0.2s;}
.lender-logo:hover {box-shadow: 0 5px 15px rgba(0,0,0,0.08);}

/* Who We Are Section */
.who-we-are-section { padding: 5rem 0; }
.bottom-left { bottom: 2rem; left: -2rem; right: auto; flex-direction: row; gap: 1rem; padding: 1.25rem 2rem; border-top: none;}
.circle-chart { width: 60px; height: 60px; border-radius: 50%; border: 4px solid var(--color-primary); display: flex; align-items: center; justify-content: center; font-weight: 700; color: var(--color-secondary); font-size: 1.2rem; }
.image-placeholder { width: 100%; height: 550px; border-radius: 12px; background-color: #e2e8f0; }

/* Client Reviews */
.dark-section { background-color: var(--color-secondary); color: #fff; padding: 5rem 0; }
.dark-section h2 { color: #fff; }
.reviews-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; }
.review-card { background: rgba(255,255,255,0.05); padding: 3rem 2.5rem; border-radius: 12px; position: relative; }
.benefits-list { list-style: none; margin: 0; padding: 0; }
.benefits-list li { margin-bottom: 0.75rem; color: inherit; position: relative; }
.quote-icon { font-size: 4rem; color: var(--color-primary); position: absolute; top: 1rem; left: 1.5rem; font-family: Georgia, serif; line-height: 1; opacity: 0.5; }
.review-card p { font-size: 1.125rem; font-style: italic; color: #e2e8f0; position: relative; z-index: 2; margin-bottom: 2rem; line-height: 1.6; }
.review-author { color: var(--color-primary); border-top: 1px solid rgba(255,255,255,0.1); padding-top: 1.5rem;}
.review-author strong { color: #fff; }

/* Stats & Contact Section */
.stats-contact-section { position: relative; }
.stats-banner { padding: 4rem 0 14rem 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 2rem; }
.stat-item .stat-number { font-size: 3.5rem; font-weight: 800; color: #fff; margin-bottom: 0.5rem; line-height: 1; display: block; }
.stat-item .stat-label { color: var(--color-primary); font-weight: 700; text-transform: uppercase; font-size: 0.875rem; letter-spacing: 1px; margin: 0; }
.overlay-contact-form { margin-top: -10rem; position: relative; z-index: 10; }
.contact-card { display: flex; border-radius: 12px; overflow: hidden; }
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; width: 100%; }
.contact-image { background-color: #cbd5e1; min-height: 400px;}
.contact-form-col { background: #fff; }
.form-group { margin-bottom: 1.5rem; }
.form-group label { display: block; margin-bottom: 0.5rem; font-weight: 500; color: var(--color-secondary); }
.form-input, .form-control { width: 100%; padding: 0.875rem 1rem; border: 1px solid #e2e8f0; border-radius: 8px; font-family: inherit; font-size: 1rem; background: #f8fafc; transition: 0.2s; }
.form-container { padding: 3rem; background: #fff; border-radius: 12px; }
.form-input:focus { outline: none; border-color: var(--color-primary); }
.btn-teal { background: var(--color-primary); color: #fff; padding: 1rem; border: none; border-radius: 8px; font-weight: 600; font-size: 1rem; cursor: pointer; transition: 0.2s; }
.btn-teal:hover { background: var(--color-secondary); color: #fff; }
.btn-outline { background: transparent; color: #fff; border-color: rgba(255,255,255,0.3); }
.btn-outline:hover { background: rgba(255,255,255,0.1); border-color: #fff; color: #fff; }

/* Working Process */
.process-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 3rem; }
.process-card { position: relative; padding: 2rem; }
.bg-number { position: absolute; top: -1rem; left: 50%; transform: translateX(-50%); font-size: 8rem; font-weight: 900; color: rgba(0,0,0,0.03); line-height: 1; z-index: 1; }
.process-icon { width: 64px; height: 64px; border-radius: 12px; display: flex; align-items: center; justify-content: center; font-size: 1.5rem; margin: 0 auto 1.5rem; position: relative; z-index: 2; }
.process-card h3, .process-card p { position: relative; z-index: 2; }

/* Footer */
.footer-main { background: var(--color-secondary); }
.footer-dark { background: var(--color-secondary); }
.footer-grid-4 { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 2rem; }
.footer-links { list-style: none; margin: 0; padding: 0; }
.footer-links li { margin-bottom: 0.75rem; font-size: 0.95rem;}
.footer-links a { color: #cbd5e1; text-decoration: none; transition: 0.2s; }
.footer-links a:hover { color: var(--color-primary); }
.footer-contact p { margin-bottom: 0.75rem; color: #cbd5e1; }
.social-links-white a { display: inline-flex; width: 32px; height: 32px; background: rgba(255,255,255,0.1); border-radius: 50%; align-items: center; justify-content: center; color: #fff; margin-left: 0.5rem; text-decoration: none; transition: 0.2s;}
.social-links-white a:hover { background: var(--color-primary); }
.back-to-top { position: fixed; bottom: 2rem; right: 2rem; width: 48px; height: 48px; background: var(--color-primary); color: #fff; border-radius: 50%; display: flex; align-items: center; justify-content: center; text-decoration: none; font-weight: bold; font-size: 1.5rem; z-index: 100; box-shadow: 0 4px 12px rgba(0,0,0,0.2); transition: 0.2s; }
.back-to-top:hover {background-color: var(--color-secondary);}

/* Internal Page Header */
.internal-header { background: var(--color-secondary); color: #fff; padding: 6rem 0 4rem; text-align: center; }
.internal-header h1 { color: #fff; font-size: 3rem; margin-bottom: 1rem; }
.breadcrumb { font-size: 0.875rem; color: #cbd5e1; }
.breadcrumb a { color: var(--color-primary); }

/* Team Section */
.team-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 2rem; margin-top: 3rem; }
.team-card { background: #fff; border-radius: 12px; box-shadow: 0 5px 20px rgba(0,0,0,0.05); overflow: hidden; text-align: center; transition: transform 0.3s; padding: 2.5rem 2rem; border-top: 4px solid #f1f5f9; display: flex; flex-direction: column; align-items: center; }
.team-card:hover { transform: translateY(-5px); border-top-color: var(--color-primary); }
.team-img-wrapper { width: 120px; height: 120px; border-radius: 50%; background: #f1f5f9; margin-bottom: 1.5rem; overflow: hidden; display: flex; align-items: center; justify-content: center; border: 3px solid #fff; box-shadow: 0 4px 10px rgba(0,0,0,0.05); color: #cbd5e1; }
.team-img-wrapper img { width: 100%; height: 100%; object-fit: cover; }
.team-card h3 { font-size: 1.25rem; margin-bottom: 0.25rem; }
.team-card .role { color: var(--color-primary); font-weight: 600; font-size: 0.9rem; text-transform: uppercase; letter-spacing: 0.5px; }

/* Photo Carousel */
.carousel-container { position: relative; overflow: hidden; padding: 2rem 0; }
.carousel-track { display: flex; gap: 1.5rem; overflow-x: auto; scroll-snap-type: x mandatory; padding-bottom: 1rem; scrollbar-width: none; }
.carousel-track::-webkit-scrollbar { display: none; }
.carousel-item { flex: 0 0 400px; height: 300px; border-radius: 12px; overflow: hidden; scroll-snap-align: start; }
.carousel-item img { width: 100%; height: 100%; object-fit: cover; }

/* Narrative Section */
.narrative-content { font-size: 1.125rem; line-height: 1.8; color: var(--color-text-muted); }
.narrative-content p { margin-bottom: 1.5rem; }


/* --- Responsive Design --- */

/* Tablet & Mobile Header/Nav */
@media (max-width: 1024px) {
    .container { padding: 0 2rem; }
    :root { --mobile-side-padding: 2rem; }
    
    .lender-benefits-list { display: flex; flex-direction: column; gap: 1rem; align-items: flex-start; text-align: left; }
    .lender-benefits { text-align: left; }
    .lender-benefits strong { display: block; margin-bottom: 1rem; }
    
    .top-info span:not(:first-child) { display: none; }
    
    .header-inner { position: relative; }
    
    .mobile-nav-toggle {
        display: block;
        width: 24px;
        height: 18px;
        position: absolute;
        right: 2rem;
        top: 50%;
        transform: translateY(-50%);
        background: none;
        border: none;
        cursor: pointer;
        z-index: 1002;
    }
    
    .mobile-nav-toggle span {
        display: block;
        width: 100%;
        height: 2px;
        background: var(--color-secondary);
        border-radius: 2px;
        position: absolute;
        transition: 0.3s;
    }
    
    .mobile-nav-toggle span:nth-child(1) { top: 0; }
    .mobile-nav-toggle span:nth-child(2) { top: 8px; }
    .mobile-nav-toggle span:nth-child(3) { top: 16px; }
    
    .mobile-nav-toggle.active span:nth-child(1) { transform: rotate(45deg); top: 8px; }
    .mobile-nav-toggle.active span:nth-child(2) { opacity: 0; }
    .mobile-nav-toggle.active span:nth-child(3) { transform: rotate(-45deg); top: 8px; }
    
    .main-nav {
        display: none;
        flex-direction: column;
        background: #fff;
        width: 100% !important;
        height: 100vh;
        height: 100dvh;
        position: fixed;
        top: 0;
        left: 0 !important;
        right: 0 !important;
        margin: 0 !important;
        padding: 80px var(--mobile-side-padding) 2rem;
        z-index: 1002 !important; /* Below header */
        overflow-y: auto;
        box-sizing: border-box;
    }
    
    .main-nav.active { display: flex; }
    
    .main-nav ul {
        flex-direction: column;
        gap: 1.5rem;
    }
    
    .main-nav .dropdown-menu {
        position: static;
        display: none;
        box-shadow: none;
        min-width: 100%;
        padding-left: 1.5rem;
        background: var(--color-bg-alt);
        margin-top: 1rem;
    }
    
    .has-dropdown.dropdown-open .dropdown-menu {
        display: block;
    }
    
    .header-actions {
        display: none;
        flex-direction: column;
        gap: 1.5rem;
        z-index: 1002;
        padding: 1.5rem 2rem;
        background: #fff;
        width: 100%;
        border-bottom: 1px solid #eee;
    }
    
    .main-nav.active ~ .header-actions,
    .main-nav.active + .header-actions {
        display: flex;
        position: fixed;
        top: 0;
        left: 0 !important;
        right: 0 !important;
        margin: 0 !important;
        width: 100% !important;
        z-index: 1003 !important; /* Between main-nav and header */
        padding: 20px var(--mobile-side-padding) 1.5rem;
        background: #fff;
        border-bottom: 1px solid #eee;
        box-sizing: border-box;
    }

    .main-nav.active {
        display: flex;
        padding-top: 200px;
        z-index: 1002 !important;
    }
    
    .header { z-index: 2005 !important; position: relative; } /* Always on top */
    .mobile-nav-toggle { z-index: 2010 !important; }
    
    .no-scroll .top-bar { display: none; }

    .contact-info { text-align: left; }
    .no-scroll { overflow: hidden; }
}

/* General Layout Breakpoints */
@media (max-width: 991px) {
    h1 { font-size: 2.75rem !important; }
    h2 { font-size: 2.25rem !important; }
    
    .hero-split { display: flex; flex-direction: column; min-height: auto; background: var(--color-secondary); }
    .hero-bg-left { display: none; } /* Use background on hero-split instead */
    .hero-bg-right { width: 100%; height: 350px; position: relative; clip-path: none; margin-top: 0; z-index: 2; border-radius: 0 0 24px 24px; box-shadow: 0 10px 30px rgba(0,0,0,0.05); order: 1; }
    .hero-text { width: 100%; padding-right: 0; text-align: left; padding-top: 0; }
    .hero-content { position: relative; padding: 1.25rem var(--mobile-side-padding) 4rem !important; order: 2; z-index: 3; }
    .hero-text h1 { margin-bottom: 1.75rem; margin-top: 0 !important; }
    .benefits-list { justify-content: flex-start; text-align: left; margin-bottom: 3.5rem; }
    .benefits-list ul { text-align: left; padding-left: 1.5rem; }
    .benefits-list li { justify-content: flex-start; text-align: left; margin-bottom: 1.5rem; }
    .hero-badges { justify-content: flex-start; margin-top: 3rem; padding-bottom: 5rem; }
    
    .about-grid, .contact-grid, .reviews-grid { grid-template-columns: 1fr; gap: 3rem; }
    .about-image-col { order: 2; }
    .about-text-col { order: 1; text-align: left; }
    .bottom-left { left: 0; bottom: 0; position: relative; width: 100% !important; box-sizing: border-box; }
    .about-image-wrapper { width: 100%; }
    .image-placeholder { width: 100%; height: 300px; border-radius: 12px; }
    
    .services-grid { grid-template-columns: repeat(2, 1fr); gap: 1.5rem; }
    .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 1.5rem; }
    .team-grid { grid-template-columns: repeat(2, 1fr); gap: 1.5rem; }
    .lenders-grid { grid-template-columns: repeat(3, 1fr); }
    .process-grid { grid-template-columns: 1fr; gap: 2.5rem; }
    .footer-grid-4 { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
    .header-inner { padding: 0.5rem 0; }
    .logo img { max-height: 32px !important; }
    
    .hero-text h1 { font-size: 2.5rem !important; }
    .hero-bg-right { height: 300px; margin-top: -60px; }
    
    .services-grid { grid-template-columns: 1fr; }
    .lenders-grid { grid-template-columns: repeat(2, 1fr); gap: 1rem; }
    .stats-grid { grid-template-columns: 1fr; gap: 1.5rem; }
    .team-grid { grid-template-columns: 1fr; }
    
    .footer-grid-4 { grid-template-columns: 1fr; gap: 2.5rem; }
    
    .overlay-contact-form { margin-top: -5rem; padding: 0 1rem; }
    .contact-card { flex-direction: column; }
    .contact-grid { grid-template-columns: 1fr; }
    .contact-image { height: 250px; min-height: auto; }
    .internal-header { padding: 3rem 0; }
}

@media (max-width: 480px) {
    :root { --mobile-side-padding: 0.75rem; }
    .container { padding: 0 var(--mobile-side-padding); }
    .mobile-nav-toggle { right: var(--mobile-side-padding); }
    
    .top-bar { display: none; }
    .hero-text h1 { font-size: 2.125rem !important; line-height: 1.2; }
    .hero-bg-left { padding-top: 5rem; padding-bottom: 7rem; }
    .hero-bg-right { height: 250px; }
    
    .section { padding: 5rem 0; }
    .flex-wrap { display: flex; flex-wrap: wrap !important; justify-content: center; gap: 8px !important; }
    .hero-badges { display: flex; flex-wrap: wrap; gap: 1.5rem; justify-content: flex-start; border-top: 1px solid rgba(255,255,255,0.1); padding-top: 1.5rem; }
    .hero-badges .badge { flex: 1 1 140px; min-width: 140px; }
    
    /* Grid min-width fix to prevent overflow from content */
    .services-grid > *, .lenders-grid > *, .stats-grid > *, .team-grid > *, .footer-grid-4 > *, .contact-grid > * {
        min-width: 0;
        overflow: hidden;
    }

    img { max-width: 100%; height: auto; }
    
    .btn { width: 100%; text-align: center; height: 60px; margin: 0 !important; }
    .btn:last-child { margin: 0 !important; }
    
    .stat-card { width: 100% !important; max-width: none !important; right: 0; bottom: 0; position: relative; margin-top: 1.5rem; padding: 1.75rem; display: flex; align-items: center; gap: 1.5rem; text-align: left; border-radius: 12px; }
    .stat-card h3 { font-size: 2rem; margin-bottom: 0; }
    .stat-card strong { font-size: 1.125rem; display: block; margin-bottom: 0.25rem; }
    .circle-chart { width: 64px; height: 64px; min-width: 64px; font-size: 1.15rem; flex-shrink: 0; }
    
    .contact-form-col { padding: 0 !important; }
    .form-container { padding: 1.25rem !important; border-radius: 8px; }
    .footer-bottom { flex-direction: column; gap: 1.5rem; text-align: center; }
    .social-links-white { margin-left: 0; }
}