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

:root {
    --primary-dark: #182933;
    --primary-beige: #d8c199;
    --white: #ffffff;
    --light-gray: #f8f9fa;
    --text-dark: #2d3748;
    --text-light: #4a5568;
}

body {
    font-family: 'Poppins', sans-serif;
    color: var(--text-dark);
    line-height: 1.6;
}

h1, h2, h3, h4 {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
}

nav {
    background: var(--primary-dark);
    padding: 1rem 2rem;
    position: fixed;
    width: 100%;
    top: 0;
    z-index: 1000;
    box-shadow: 0 2px 10px rgba(0,0,0,0.1);
}

.nav-container {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.logo {
    font-family: 'Montserrat', sans-serif;
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--white);
    text-decoration: none;
    display: flex;
    align-items: center;
    gap: 1rem;
    flex-shrink: 0;
}

       .logo-main {
    font-size: 1.5rem;
}

.logo .focus {
    color: var(--primary-beige);
    animation: focusIn 2.5s ease-out;
}

@keyframes focusIn {
    0% {
filter: blur(12px);
opacity: 0;
    }
    100% {
filter: blur(0);
opacity: 1;
    }
}

.dot-ca {
    color: var(--white);
    font-weight: 400;
    animation: none;
}

.powered-by {
    font-family: 'Poppins', sans-serif;
    font-size: 0.75rem;
    font-weight: 400;
    color: var(--white);
    opacity: 0.7;
    text-transform: lowercase;
}

.brx-logo {
    height: 25px;
    margin-left: 0.25rem;
}

.nav-links {
    display: flex;
    gap: 2rem;
    list-style: none;
}

.nav-links a {
    color: var(--white);
    text-decoration: none;
    font-weight: 500;
    transition: color 0.3s;
}

.nav-links a:hover {
    color: var(--primary-beige);
}

.mobile-menu-btn {
    display: none;
    background: none;
    border: none;
    color: var(--white);
    font-size: 1.5rem;
    cursor: pointer;
}

.hero {
    background: linear-gradient(135deg, var(--primary-dark) 0%, #2a4555 100%);
    color: var(--white);
    padding: 140px 2rem 100px;
    margin-top: 70px;
}

.hero-container {
    max-width: 1200px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
}

.hero-content h1 {
    font-size: 2.8rem;
    margin-bottom: 1rem;
    line-height: 1.2;
}

.hero-content .tagline {
    font-size: 1.3rem;
    color: var(--primary-beige);
    margin-bottom: 1.5rem;
    font-weight: 300;
}

.hero-content p {
    font-size: 1.1rem;
    margin-bottom: 2rem;
    opacity: 0.95;
    line-height: 1.7;
}

.hero-image {
    text-align: center;
}

.hero-image img {
    max-width: 400px;
    width: 100%;
    border-radius: 10px;
    box-shadow: 0 20px 40px rgba(0,0,0,0.3);
}

.cta-buttons {
    display: flex;
    gap: 1rem;
    flex-wrap: wrap;
}

.btn {
    padding: 1rem 2rem;
    font-size: 1rem;
    font-weight: 600;
    border: none;
    border-radius: 8px;
    cursor: pointer;
    text-decoration: none;
    transition: all 0.3s;
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
}

.btn-primary {
    background: var(--primary-beige);
    color: var(--primary-dark);
}

.btn-primary:hover {
    background: #c9b188;
    transform: translateY(-2px);
    box-shadow: 0 5px 15px rgba(216, 193, 153, 0.4);
}

.btn-secondary {
    background: transparent;
    color: var(--white);
    border: 2px solid var(--white);
}

.btn-secondary:hover {
    background: var(--white);
    color: var(--primary-dark);
}

.trust-bar {
    background: var(--primary-beige);
    padding: 2rem;
    text-align: center;
}

.trust-bar p {
    font-size: 1.1rem;
    color: var(--primary-dark);
    font-weight: 500;
    max-width: 900px;
    margin: 0 auto;
}


.container {
    max-width: 1200px;
    margin: 0 auto;
}

.section-title {
    font-size: 2.5rem;
    margin-bottom: 1rem;
    color: var(--primary-dark);
}

.section-subtitle {
    font-size: 1.2rem;
    margin-bottom: 3rem;
    color: var(--text-light);
    max-width: 700px;
}







.lender-logos {
    padding: 60px 2rem;
    background: var(--white);
    text-align: center;
}

.lender-logos h2 {
    font-size: 2rem;
    margin-bottom: 2rem;
    color: var(--primary-dark);
}

.lender-logos img {
    width: 100%;
    max-width: 1000px;
    margin: 0 auto;
    display: block;
}

.lender-logos .subtext {
    font-size: 1rem;
    color: var(--text-light);
    font-style: italic;
    margin-top: 2rem;
}

.about {
    padding: 80px 2rem;
    background: var(--white);
}

.about-grid {
    display: grid;
    grid-template-columns: 350px 1fr;
    gap: 4rem;
    align-items: start;
}

.about-image {
 
}
       
 .about-content h2 {
    margin-bottom: 1.5rem;
}

.about-content p {
    font-size: 1.05rem;
    margin-bottom: 1.5rem;
    color: var(--text-light);
    line-height: 1.8;
}







.about-image img {
    width: 100%;
    border-radius: 10px;
    background: white;
    padding: 1.5rem;
}

.faq-section {
    padding: 80px 2rem;
    background: var(--light-gray);
}

.faq-grid {
    display: grid;
    gap: 1.5rem;
    margin-top: 3rem;
    max-width: 900px;
    margin-left: auto;
    margin-right: auto;
}

.faq-item {
    background: var(--white);
    border-radius: 10px;
    overflow: hidden;
    box-shadow: 0 2px 8px rgba(0,0,0,0.05);
}

.faq-question {
    padding: 1.5rem 2rem;
    background: var(--white);
    border: none;
    width: 100%;
    text-align: left;
    font-family: 'Montserrat', sans-serif;
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--primary-dark);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    transition: all 0.3s;
}

.faq-question:hover {
    background: var(--light-gray);
}

.faq-question i {
    color: var(--primary-beige);
    transition: transform 0.3s;
    font-size: 1.2rem;
}

.faq-question.active i {
    transform: rotate(180deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease-out;
}

.faq-answer.active {
    max-height: 1000px;
}

.faq-answer-content {
    padding: 0 2rem 1.5rem 2rem;
    color: var(--text-light);
    line-height: 1.8;
    font-size: 1.05rem;
}















.contact {
    padding: 80px 2rem;
    background: var(--white);
}

.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1.5fr;
    gap: 3rem;
    margin-top: 3rem;
}

.contact-info {
    display: flex;
    flex-direction: column;
    gap: 2rem;
}

.contact-item {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
    padding: 1.5rem;
    background: var(--white);
    border-radius: 10px;
}

.contact-icon {
    font-size: 1.5rem;
    color: var(--primary-beige);
    min-width: 40px;
    margin-top: 0.2rem;
}

.contact-item a {
    color: var(--primary-dark);
    text-decoration: none;
    font-weight: 500;
}

.contact-item a:hover {
    color: var(--primary-beige);
}

.contact-item p {
    font-size: 0.9rem;
    margin-top: 0.25rem;
    color: #666;
}

.contact-form {
    background: var(--light-gray);
    padding: 2.5rem;
    border-radius: 10px;
}

.contact-form h3 {
    margin-bottom: 1.5rem;
    color: var(--primary-dark);
}

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

.form-group label {
    display: block;
    margin-bottom: 0.5rem;
    font-weight: 500;
    color: var(--primary-dark);
}

.form-group input,
.form-group textarea,
.form-group select {
    width: 100%;
    padding: 0.875rem;
    border: 2px solid #e2e8f0;
    border-radius: 8px;
    font-family: 'Poppins', sans-serif;
    font-size: 1rem;
    transition: border-color 0.3s;
}

.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
    outline: none;
    border-color: var(--primary-beige);
}

.form-group textarea {
    resize: vertical;
    min-height: 120px;
}

footer {
    background: var(--primary-dark);
    color: var(--white);
    padding: 3rem 2rem 2rem;
}

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

.footer-links {
    display: flex;
    justify-content: center;
    gap: 2rem;
    margin-bottom: 2rem;
    flex-wrap: wrap;
}

.footer-links a {
    color: var(--primary-beige);
    text-decoration: none;
    transition: opacity 0.3s;
}

.footer-links a:hover {
    opacity: 0.8;
}

       .license-info {
    font-size: 0.9rem;
    margin-top: 1.5rem;
    line-height: 1.6;
}

.license-info p {
    opacity: 0.7;
}

.license-info img {
    opacity: 1;
}

@media (max-width: 968px) {
    .hero-container {
        grid-template-columns: 1fr;
        text-align: center;
    }

    .hero-image {
        order: -1;
    }

    .hero-image img {
        max-width: 300px;
    }

    .cta-buttons {
        justify-content: center;
    }

    .about-grid {
        grid-template-columns: 1fr;
    }

    .contact-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 768px) {
    .mobile-menu-btn {
        display: block;
    }

    .nav-links {
        display: none;
        position: absolute;
        top: 100%;
        left: 0;
        right: 0;
        background: var(--primary-dark);
        flex-direction: column;
        padding: 1rem;
        gap: 1rem;
        box-shadow: 0 5px 15px rgba(0,0,0,0.1);
    }

    .nav-links.active {
        display: flex;
    }

    .hero-content h1 {
        font-size: 2rem;
    }

    .hero-content .tagline {
        font-size: 1.1rem;
    }

    .section-title {
        font-size: 2rem;
    }

    
    footer .footer-brx-logo {
    height: 30px !important;
    width: auto !important;
    margin-bottom: 1rem;
    display: block;
       	    }


}





/* ---------- Page header for inner pages ---------- */
.page-header {
    background: var(--primary-dark);
    color: var(--white);
    padding: 70px 2rem 60px;
    text-align: center;
}

.page-header h1 {
    font-size: 2.75rem;
    margin-bottom: 1rem;
    color: var(--white);
}

.page-header p {
    max-width: 700px;
    margin: 0 auto;
    font-size: 1.2rem;
    line-height: 1.7;
    opacity: 0.92;
}

/* ---------- Track My Mortgage page ---------- */
.track-section {
    padding: 70px 2rem 80px;
    background: var(--light-gray);
}

.track-grid {
    max-width: 1000px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1.4fr 1fr;
    gap: 3rem;
    align-items: start;
}

.track-form {
    background: var(--white);
    padding: 2.5rem;
    border-radius: 10px;
    box-shadow: 0 5px 15px rgba(0,0,0,0.08);
}

.track-form h2 {
    font-size: 1.5rem;
    color: var(--primary-dark);
    margin-bottom: 0.5rem;
}

.track-form .form-note {
    color: var(--text-light);
    margin-bottom: 1.5rem;
    font-size: 0.95rem;
}

.form-group input,
.form-group select,
.form-group textarea {
    background: var(--white);
}

.form-group .hint {
    display: block;
    margin-top: 0.4rem;
    font-size: 0.85rem;
    color: var(--text-light);
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
}

.form-divider {
    border: 0;
    border-top: 1px solid #e2e8f0;
    margin: 0.5rem 0 1.5rem;
}

.optional-tag {
    font-weight: 400;
    color: var(--text-light);
    font-size: 0.9rem;
}

.consent-group {
    display: flex;
    gap: 0.75rem;
    align-items: flex-start;
    margin-bottom: 1.5rem;
    font-size: 0.9rem;
    color: var(--text-light);
    line-height: 1.5;
}

.consent-group input {
    width: auto;
    margin-top: 0.25rem;
    flex-shrink: 0;
}

.track-aside h3 {
    color: var(--primary-dark);
    margin-bottom: 1.25rem;
    font-size: 1.3rem;
}

.track-point {
    display: flex;
    gap: 1rem;
    margin-bottom: 1.5rem;
}

.track-point i {
    color: var(--primary-dark);
    background: var(--primary-beige);
    width: 40px;
    height: 40px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.track-point strong {
    display: block;
    color: var(--primary-dark);
    margin-bottom: 0.25rem;
}

.track-point p {
    color: var(--text-light);
    line-height: 1.6;
    font-size: 0.95rem;
}






/* ---------- Thank-you pages ---------- */
.thanks-section {
    padding: 100px 2rem;
    background: var(--light-gray);
    text-align: center;
    min-height: 50vh;
}

.thanks-section .container {
    max-width: 700px;
}

.thanks-section h1 {
    color: var(--primary-dark);
    font-size: 2.5rem;
    margin-bottom: 1rem;
}

.thanks-section p {
    color: var(--text-light);
    font-size: 1.15rem;
    line-height: 1.8;
    margin-bottom: 2rem;
}

@media (max-width: 968px) {
    .track-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 600px) {
    .form-row {
        grid-template-columns: 1fr;
    }
    .page-header h1 {
        font-size: 2.1rem;
    }
    .track-form {
        padding: 1.5rem;
    }
}

/* ---------- Privacy note ---------- */
.privacy-note {
    display: flex;
    gap: 0.9rem;
    align-items: flex-start;
    background: var(--light-gray);
    border-left: 4px solid var(--primary-beige);
    border-radius: 6px;
    padding: 1rem 1.1rem;
    margin-bottom: 1.75rem;
}

.privacy-note i {
    color: var(--primary-dark);
    margin-top: 0.2rem;
}

.privacy-note p {
    font-size: 0.92rem;
    line-height: 1.6;
    color: var(--text-dark);
}

.privacy-note a {
    color: var(--primary-dark);
    font-weight: 600;
}

/* ---------- Number inputs: hide spinner arrows ---------- */
input[type=number] {
    -moz-appearance: textfield;
    appearance: textfield;
}

input[type=number]::-webkit-outer-spin-button,
input[type=number]::-webkit-inner-spin-button {
    -webkit-appearance: none;
    margin: 0;
}

.guide-privacy {
    margin-top: 0.9rem;
    text-align: center;
    font-size: 0.85rem;
    color: rgba(255,255,255,0.75);
}

/* ---------- Utilities ---------- */
.sr-only {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
}

.btn-dark {
    background: var(--primary-dark);
    color: var(--white);
}

.btn-dark:hover {
    background: #2a4555;
}

/* ---------- "What are you trying to do?" chooser ---------- */
.choose {
    padding: 80px 2rem;
    background: var(--white);
}

.choose .section-subtitle {
    margin-bottom: 2.5rem;
}

.choose-layout {
    display: grid;
    grid-template-columns: 1fr 2fr;
    gap: 1.5rem;
    align-items: stretch;
}

.choose-options {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.choose-option {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 0.75rem;
    min-height: 56px;
    padding: 0 1.25rem;
    border: 2px solid var(--primary-dark);
    border-radius: 8px;
    background: var(--white);
    color: var(--primary-dark);
    font-family: 'Montserrat', sans-serif;
    font-weight: 600;
    font-size: 1rem;
    text-align: left;
    cursor: pointer;
    transition: background 0.2s, color 0.2s;
}

.choose-option:hover {
    background: var(--light-gray);
}

.choose-option.active {
    background: var(--primary-dark);
    color: var(--white);
}

.choose-panels {
    background: var(--primary-dark);
    border-radius: 12px;
    padding: 2.5rem;
    display: flex;
    align-items: center;
}

.choose-panel {
    display: none;
}

.choose-panel.active {
    display: block;
}

.choose-eyebrow {
    color: var(--primary-beige);
    font-size: 0.8rem;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    margin-bottom: 0.75rem;
}

.choose-panel h3 {
    color: var(--white);
    font-size: 1.9rem;
    line-height: 1.2;
    margin-bottom: 1rem;
}

.choose-panel p:not(.choose-eyebrow) {
    color: var(--white);
    font-weight: 300;
    font-size: 1.05rem;
    line-height: 1.8;
    max-width: 580px;
    margin-bottom: 1.75rem;
}

.choose-link {
    display: inline-block;
    margin-left: 1.25rem;
    color: var(--primary-beige);
    font-weight: 500;
    text-decoration: underline;
    text-underline-offset: 4px;
}

.choose-link:hover {
    color: var(--white);
}

/* ---------- Bank vs. me comparison ---------- */
.compare {
    padding: 80px 2rem;
    background: var(--primary-dark);
}

.compare .section-title {
    color: var(--white);
}

.compare .section-subtitle {
    color: rgba(255,255,255,0.85);
    font-weight: 300;
    margin-bottom: 2.5rem;
}

.compare-table {
    width: 100%;
    border-collapse: collapse;
    border-top: 2px solid var(--primary-beige);
}

.compare-table th,
.compare-table td {
    padding: 1.4rem 1.5rem 1.4rem 0;
    border-bottom: 1px solid rgba(255,255,255,0.2);
    text-align: left;
    vertical-align: top;
}

.compare-table thead th {
    padding-top: 0.9rem;
    padding-bottom: 0.9rem;
    font-size: 0.8rem;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: rgba(255,255,255,0.7);
}

.compare-table thead th:last-child {
    color: var(--primary-beige);
}

.compare-table tbody th {
    width: 24%;
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    color: var(--white);
}

.compare-table tbody td:nth-child(2) {
    color: rgba(255,255,255,0.7);
}

.compare-table tbody td:nth-child(3) {
    color: var(--white);
    font-weight: 500;
}

.compare-note {
    margin-top: 1.75rem;
    max-width: 720px;
    color: var(--primary-beige);
}

/* ---------- Start here: renewal tracker + guide ---------- */
.start-section {
    padding: 80px 2rem;
    background: var(--light-gray);
}

.start-section .section-subtitle {
    margin-bottom: 2.5rem;
}

.start-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
    align-items: stretch;
}

.start-card {
    border-radius: 12px;
    padding: 2.5rem;
    display: flex;
    flex-direction: column;
}

.start-card-dark {
    background: var(--primary-dark);
    color: var(--white);
}

.start-card-light {
    background: var(--white);
    border: 1px solid #e2e8f0;
}

.start-eyebrow {
    font-size: 0.8rem;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    margin-bottom: 0.75rem;
}

.start-card-dark .start-eyebrow {
    color: var(--primary-beige);
}

.start-card-light .start-eyebrow {
    color: var(--text-light);
}

.start-card h3 {
    font-size: 1.75rem;
    line-height: 1.2;
    margin-bottom: 1rem;
}

.start-card-dark h3 {
    color: var(--white);
}

.start-card-light h3 {
    color: var(--primary-dark);
}

.start-text {
    margin-bottom: 1.25rem;
    line-height: 1.7;
}

.start-card-dark .start-text {
    color: var(--white);
    font-weight: 300;
}

.start-card-light .start-text {
    color: var(--text-light);
}

.start-chips {
    list-style: none;
    display: flex;
    flex-wrap: wrap;
    gap: 0.5rem;
    margin: 0 0 1.75rem;
}

.start-chips li {
    padding: 0.35rem 0.9rem;
    border: 1px solid var(--primary-beige);
    border-radius: 999px;
    font-size: 0.9rem;
    color: var(--white);
}

.start-card-action {
    margin-top: auto;
}

.start-privacy {
    margin-top: 0.9rem;
    font-size: 0.85rem;
}

.start-card-dark .start-privacy {
    color: var(--primary-beige);
}

.start-card-light .start-privacy {
    color: var(--text-light);
    text-align: center;
}

.start-form {
    margin-top: auto;
}

.start-form .form-group {
    margin-bottom: 1rem;
}

.start-form .consent-group {
    margin-bottom: 1.25rem;
}

.start-form .btn {
    width: 100%;
    justify-content: center;
}

@media (max-width: 968px) {
    .choose-layout,
    .start-grid {
        grid-template-columns: 1fr;
    }

    .choose-panels,
    .start-card {
        padding: 1.75rem;
    }
}

@media (max-width: 768px) {
    .compare-table thead {
        position: absolute;
        width: 1px;
        height: 1px;
        overflow: hidden;
        clip: rect(0, 0, 0, 0);
    }

    .compare-table tr,
    .compare-table th,
    .compare-table td {
        display: block;
        width: 100% !important;
    }

    .compare-table tbody tr {
        padding: 1.25rem 0;
        border-bottom: 1px solid rgba(255,255,255,0.2);
    }

    .compare-table tbody th,
    .compare-table td {
        border-bottom: 0;
        padding: 0.25rem 0;
    }

    .compare-table td::before {
        content: attr(data-label) ": ";
        font-size: 0.75rem;
        font-weight: 600;
        letter-spacing: 0.06em;
        text-transform: uppercase;
        color: var(--primary-beige);
        display: block;
    }

    .choose-link {
        display: block;
        margin: 1rem 0 0;
    }
}