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

    body {
      background: #ffffff;
      font-family: "Ubuntu", sans-serif;
    }

    /* =============================NAVBAR=============================== */
    nav {
      display: flex;
      justify-content: space-between;
      align-items: center;
      background: transparent;
      /* fully transparent at start */
      box-shadow: none;
      /* no shadow initially */
      border-bottom: none;
      /* prevent any thin line */
      position: sticky;
      top: 0;
      z-index: 1000;
      transition: background 0.4s ease, box-shadow 0.4s ease;
    }

    /* When scrolled */
    nav.scrolled {
      background: white;
      /* white background */
      box-shadow: 0 2px 8px rgba(0, 0, 0, 0.05);
      /* soft shadow only after scroll */
    }



    /* Left section = logo + links */
    .nav-left {
      display: flex;
      align-items: center;
      gap: 30px;
      padding: 0px 5px;
    }

    .mainlogo img {
      height: 62px;
    }

    .nav-links {
      list-style: none;
      display: flex;
      gap: 20px;
    }

    .nav-links li a {
      text-decoration: none;
      color: #333;
      font-size: 16px;
      font-weight: 500;
      transition: all 0.3s ease;
      padding: 6px 12px;
      border-radius: 8px;
    }

    .nav-links li a:hover {
      color: #ff8300
    }

    /* Right section = CTA button + phone */
    .nav-right {
      position: relative;
      /* make it the container */
      padding: 7px;
      text-align: center;
      border-radius: 100% 0% 71% 29% / 0% 100% 0% 100%;
      background: rgba(255, 255, 255, 0);
      /* base white */
      color: #333;

      display: flex;
      align-items: center;
      gap: 10px;

      overflow: hidden;
      /* ⬅️ keeps animation INSIDE shape */
      transition: color 0.5s ease;
    }

    /* gradient overlay */
    .nav-right::before {
      content: "";
      position: absolute;
      top: 0;
      right: 0;
      /* start at right edge */
      width: 0%;
      /* hidden initially */
      height: 100%;
      background: #ff8300;
      border-radius: inherit;
      /* match nav-right shape */
      z-index: 0;
      transition: width 1s ease-in-out;
    }

    .nav-right:hover::before {
      width: 100%;
      /* expands fully from right → left */
    }

    .nav-right * {
      position: relative;
      /* keep text/icon above gradient */
      z-index: 1;
    }

    .nav-right .phone {
      color: #000000;
      transition: color 1.5s ease;
    }

    .nav-right:hover .phone {
      color: white;
    }

    .agent-icon img {
      display: block;
      height: 45px;
      margin-left: 35px;
      transition: filter 3s ease;
    }

    .nav-right:hover .agent-icon img {
      filter: brightness(0) invert(1);
      /* turns white */
    }




    /* Mobile toggle */
    .menu-toggle {
      display: none;
      font-size: 28px;
      color: #333;
      cursor: pointer;
    }

    @media (max-width: 900px) {
      .nav-left {
        flex: 1;
        justify-content: space-between;
      }
      .mainlogo img {
        height: 50px;
      }

      /* Mobile Nav - Slide in from right */
      .nav-links {
        display: flex;
        flex-direction: column;
        justify-content: center;
        gap: 20px;

        position: fixed;
        top: 0;
        right: -100%;
        /* hidden off-screen */
        height: 100vh;
        width: 70%;
        background: #fff;
        box-shadow: -4px 0 20px rgba(0, 0, 0, 0.1);
        padding: 60px 30px;

        transition: right 0.4s ease-in-out, opacity 0.4s ease-in-out;
        opacity: 0;
        z-index: 1001;
        /* higher than overlay */
      }

      .nav-links.active {
        right: 0;
        opacity: 1;
      }

      /* Each nav item animation */
      .nav-links li {
        border: none;
        transform: translateX(30px);
        opacity: 0;
        transition: all 0.4s ease;
      }

      .nav-links.active li {
        transform: translateX(0);
        opacity: 1;
      }

      .nav-links.active li:nth-child(1) {
        transition-delay: 0.1s;
      }

      .nav-links.active li:nth-child(2) {
        transition-delay: 0.2s;
      }

      .nav-links.active li:nth-child(3) {
        transition-delay: 0.3s;
      }

      .nav-links li a {
        display: block;
        font-size: 20px;
        font-weight: 600;
        color: #333;
        padding: 12px 0;
        transition: color 0.3s ease;
      }

      .nav-links li a:hover {
        color: #ff8300;
      }

      /* Hamburger stays */
      .menu-toggle {
        display: block;
        font-size: 30px;
        cursor: pointer;
        color: #ff8300;
        z-index: 1002;
        /* above overlay */
      }

      /* Overlay behind menu */
      .nav-overlay {
        content: "";
        position: fixed;
        top: 0;
        left: 0;
        width: 100%;
        height: 100%;
        background: rgba(0, 0, 0, 0.5);
        opacity: 0;
        pointer-events: none;
        transition: opacity 0.4s ease;
        z-index: 1000;
      }

      .nav-links.active~.nav-overlay {
        opacity: 1;
        pointer-events: auto;
        /* clickable */
      }

      /* Hide CTA on mobile */
      .nav-right {
        display: none;
      }
    }


    /* ==================================END NAVBAR=============================== */

    /* ===================QUOTE TITLE SECTION=============================== */
.quote-section {
  position: relative;
   background: linear-gradient(-45deg, #f69153, #f9fafc, #fff4eb, #e99b4d);
         background-size: 150% 150%;
         animation: gradientMove 5s ease-in-out infinite;
  padding: 150px 20px;
  overflow: hidden;
}

/* Gradient animation */
     @keyframes gradientMove {
         0% {
             background-position: 0% 100%;
         }

         50% {
             background-position: 50% 50%;
         }

         100% {
             background-position: 0% 100%;
         }
     }

.quote-container {
  position: relative;
  z-index: 1;
  max-width: 900px;
  margin: 0 auto;
}
    .quote-container::before,
    .quote-container::after {
      content: "";
      position: absolute;
      border-radius: 50%;
      opacity: 0.15;
      z-index: 0;
    }

    .quote-container::before {
      width: 300px;
      height: 300px;
      background: #d56f03;
      top: -250px;
      left: -600px;
    }

    .quote-container::after {
      width: 400px;
      height: 400px;
      background: #ffa733;
      bottom: -350px;
      right: -700px;
    }

    /* Heading */
    .zigzag-header {
      text-align: center;
      margin-bottom: 50px;
      color: #333;
      position: relative;
      z-index: 1;
    }
.quote-container h2 {
  font-size: 3rem;
  font-weight: 700;
  color: #0a1f44;
  margin-bottom: 20px;
  line-height: 1.2;
}

.quote-container h2 span {
  color: #ff7b00;
  position: relative;
}



.quote-container p {
  font-size: 1.1rem;
  color: #0d2b3e;
  opacity: 0.9;
}

/* ===================END QUOTE TITLE SECTION=============================== */




/* ====================FEATURE ICONS ======================= */
.features-section {
  padding: 80px 20px;
  background: #faf9f5;
}

.features-container {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 30px 40px;
}

.feature-item {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 15px;
  border-radius: 12px;
  transition: background 0.3s ease;
}

.feature-item:hover {
  background: rgba(255, 123, 0, 0.06);
}

.feature-item h3 {
  font-size: 1.2rem;
  font-weight: 600;
  color: #0a1f44;
  transition: color 0.3s ease;
}


.feature-item:hover h3 {
  color: #ff7b00;
}

.features-section a {
  text-decoration: none;
}

.pdf-link {
  display: inline-block;
  margin-top: 4px;
  font-size: 0.9rem;
  color: #ff7b00;
  font-weight: 500;
}

.pdf-link:hover {
  text-decoration: none;
}

/* Icon Circle */
.icon-circle {
  width: 70px;
  height: 70px;
  border-radius: 50%;
  flex-shrink: 0; /* keeps icons fixed size */
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 26px;
  color: white;
  background: linear-gradient(135deg, #ff7b00, #ff9f40);
  box-shadow: inset 0 0 12px rgba(255, 255, 255, 0.4),
              0 6px 16px rgba(255, 123, 0, 0.4);
  transition: transform 0.35s ease, box-shadow 0.35s ease;
}

.icon-circle:hover {
  transform: scale(1.12) rotate(6deg);
  box-shadow: inset 0 0 16px rgba(255, 255, 255, 0.6),
              0 8px 20px rgba(255, 123, 0, 0.5);
}

/* ====================MEDIA QUERIES ======================= */

/* Tablets */
@media (max-width: 992px) {
  .features-container {
    gap: 25px 30px;
  }
  .feature-item h3 {
    font-size: 1.1rem;
  }
  .icon-circle {
    width: 65px;
    height: 65px;
    font-size: 24px;
  }
}

/* Mobiles */
@media (max-width: 768px) {
  .features-container {
    grid-template-columns: 1fr; /* single column */
    gap: 25px;
  }
  .feature-item {
    padding: 12px;
    gap: 16px;
  }
  .feature-item h3 {
    font-size: 1rem;
  }
}

/* Very small screens */
@media (max-width: 400px) {
  .icon-circle {
    width: 55px;
    height: 55px;
    font-size: 20px;
  }
  .feature-item h3 {
    font-size: 0.95rem;
  }
}


/* ====================PARAGRAPH==================== */
    .contact-disclaimer {
      background: #faf9f5;
      padding: 60px 20px;
      display: flex;
      justify-content: center;
      box-sizing: border-box;
    }

    /* ✅ Main container */
    .contact-container {
      display: flex;
      align-items: flex-start;
      gap: 30px;
      max-width: 1150px;
      /* controlled width */
      width: 100%;
      background: #ffffff;
      border: 2px solid #ff8300;
      border-radius: 20px;
      padding: 30px;
      box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
      transition: transform 0.3s ease;
      margin: 0 auto;
      flex-wrap: wrap;
      box-sizing: border-box;
      overflow-wrap: break-word;
      word-break: break-word;
      margin-bottom: 50px;
    }

    .contact-container:hover {
      transform: translateY(-4px);
    }

    /* ✅ Image (left side) */
    .contact-image {
      flex-shrink: 0;
      text-align: center;
    }

    .contact-image img {
      max-width: 220px;
      width: 100%;
      border-radius: 16px;
    }

    /* ✅ Text (right side) */
    .contact-text {
      flex: 1 1 300px;
      min-width: 0;
      /* ✅ critical fix for flex overflow */
      font-size: 0.95rem;
      line-height: 1.6;
      color: #000000;
      overflow-wrap: break-word;
      word-break: break-word;
    }

    /* 🔹 Fix logo inside text */
    .contact-text img {
      max-width: 180px;
      /* ✅ keeps logo small */
      width: 100%;
      height: auto;
      display: block;
      margin: 0 auto 20px;
    }

    .contact-text p {
      margin-bottom: 16px;
    }

    .contact-text .license {
      font-size: 0.85rem;
      margin-top: 10px;
      color: #6b6b6b;
      text-align: center;
    }

    .contact-text .license span {
      color: #e63946;
      font-weight: bold;
      text-align: center;
    }

    /* 🔹 Responsive */
    @media (max-width: 900px) {
      .contact-container {
        flex-direction: column;
        text-align: center;
        padding: 25px 20px;
        max-width: 560px;
      }

      .contact-image img {
        max-width: 180px;
        margin-bottom: 20px;
      }
    }

    @media (max-width: 600px) {
      .contact-disclaimer {
        padding: 40px 15px;
      }

      .contact-container {
        max-width: 95%;
        padding: 20px 15px;
        gap: 15px;
      }

      .contact-text {
        font-size: 0.9rem;
      }

      .contact-text .license {
        font-size: 0.8rem;
      }

      .contact-text img {
        max-width: 140px;
        /* ✅ shrink logo more on small screens */
      }
    }

    /* ================PARAGRAPH-END==================== */









        /* ==========================Footer Base================================== */
    .footer-section {
      background: #000;
      color: #fff;
      padding: 120px 8% 40px;
      position: relative;
      font-family: Arial, sans-serif;
      overflow: visible;
      text-align: left;
    }


    /* Floating Logo */
    .footer-logo-container {
      position: absolute;
      top: -70px;
      /* Push half outside */
      left: 50%;
      transform: translateX(-50%);
      z-index: 10;
    }

    .footer-logo-bg {
      background: #fff;
      /* White background */
      border-radius: 20px;
      padding: 15px;
      box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
      display: flex;
      justify-content: center;
      align-items: center;
      width: 300px;
      height: 140px;
    }

    .footer-logo {
      max-width: 290px;
      height: auto;
    }


    /* Grid Layout */
    .footer-container {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
      gap: 40px;
      margin-top: 40px;
      margin-bottom: 40px;
    }

    /* Titles */
    .footer-column h3 {
      font-size: 1.2rem;
      margin-bottom: 20px;
      color: #ff8300;
    }

    /* Lists */
    .footer-column ul {
      list-style: none;
      padding: 0;
    }

    .footer-column ul li {
      margin-bottom: 12px;
    }

    .footer-column a {
      text-decoration: none;
      color: #ddd;
      transition: color 0.3s;
    }

    .footer-column a:hover {
      color: #ff8300;
    }

    /* Form */
    .footer-form input,
    .footer-form textarea {
      width: 100%;
      padding: 10px;
      margin-bottom: 12px;
      border-radius: 8px;
      border: none;
      outline: none;
    }

    .footer-form .form-row {
      display: flex;
      gap: 10px;
    }

    .footer-form button {
      background: #ff8300;
      border: none;
      padding: 12px;
      width: 100%;
      border-radius: 8px;
      font-weight: bold;
      cursor: pointer;
      color: white;
      transition: background 0.3s;
    }

    .footer-form button:hover {
      background: #ff7b00;
    }

    /* Socials */
    .footer-socials {
      margin-top: 15px;
    }

    .footer-socials a img {
      width: 35px;
      margin-right: 10px;

      transition: transform 0.3s;
    }

    .footer-socials a img:hover {
      transform: scale(1.1);
    }

    /* Bottom */
    .footer-bottom {
      text-align: center;
      border-top: 1px solid #333;
      padding-top: 20px;
      font-size: 0.85rem;
      margin-bottom: 50px;
      color: #aaa;
    }

    /* Scroll animation */
    .animate-rtl {
      opacity: 0;
      transform: translateX(-80px);
      transition: all 0.8s ease;
    }

    .animate-rtl.show {
      opacity: 1;
      transform: translateX(0);
    }

    /* Responsive */
    @media (max-width: 768px) {
      .footer-container {
        grid-template-columns: 1fr;
        text-align: center;
      }

      .footer-form .form-row {
        flex-direction: column;
      }

      .footer-logo {
        max-width: 200px;
      }
    }


    /* ====================MORTGAGE SECTION ======================= */
.mortgage-section {
  padding: 80px 20px;
  background: #faf9f5;
}

.mortgage-container {
  max-width: 1100px;
  margin: 0 auto;
  background: #fff;
  border-radius: 20px;
  padding: 40px;
  box-shadow: 0 8px 24px rgba(0,0,0,0.08);
}

.mortgage-container h2 {
  font-size: 2.2rem;
  color: #0a1f44;
  margin-bottom: 20px;
  text-align: center;
}

.mortgage-container h3 {
  font-size: 1.5rem;
  color: #ff7b00;
  margin-top: 30px;
  margin-bottom: 15px;
}

.mortgage-container h4 {
  font-size: 1.2rem;
  color: #0a1f44;
  margin-top: 20px;
  margin-bottom: 10px;
}

.mortgage-container p {
  margin-bottom: 18px;
  line-height: 1.7;
  color: #333;
}

.mortgage-list {
  margin: 15px 0 25px 20px;
  padding-left: 15px;
}

.mortgage-list li {
  margin-bottom: 12px;
  line-height: 1.6;
  color: #222;
}

.mortgage-list strong {
  color: #ff7b00;
}

/* Responsive */
@media (max-width: 768px) {
  .mortgage-container {
    padding: 25px 20px;
  }

  .mortgage-container h2 {
    font-size: 1.8rem;
  }

  .mortgage-container h3 {
    font-size: 1.3rem;
  }
}