:root{
  --bg:#ffffff;
  --card:#f3f7fb;
  --accent:#ff7a00;
  --text:#002D62;
  --muted:#587CA0;
  --glass: rgba(0,0,0,0.04);
  --maxw: 1200px;
  --radius:14px;
}

/* Base */
* {
  box-sizing: border-box;
}

body {
  font-family: Inter, system-ui, Arial, Helvetica, sans-serif;
  margin: 0;
  color: var(--text);
  background: #ffffff;
  -webkit-font-smoothing: antialiased;
}

.container {
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 10px 20px;
}

/* ---------------------------- HEADER ---------------------------- */

.site-header {
  backdrop-filter: blur(6px);
  position: sticky;
  top: 0;
  z-index: 30;
  background: rgba(255, 255, 255, 0.95);
  border-bottom: 1px solid rgba(0, 0, 0, 0.06);
}

.header-inner {
  display: flex;
  align-items: center;
  gap: 20px;
  justify-content: space-between;
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  color: #ff7a00;
  text-decoration: none;
}

/* Two-line brand text */
.brand-text-block {
  display: flex;
  flex-direction: column;
  line-height: 1.15;
}

.brand-line-1,
.brand-line-2 {
  font-size: 18px;
  font-weight: 700;
  background: linear-gradient(90deg, #ff7a00, #ffb65c, #002D62, #ff7a00);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-size: 200%;
  animation: gradientMove 4s ease infinite;
}

@keyframes gradientMove {
  0% { background-position: 0% 50%; }
  50% { background-position: 100% 50%; }
  100% { background-position: 0% 50%; }
}

/* Logo image */
.brand-logo {
  width: 80px;
  height: 80px;
  object-fit: cover;
  border-radius: 8px;
  display: block;
  margin: 0;
  padding: 0;
  box-shadow: none;
}

/* NAV */
.nav {
  display: flex;
  gap: 2px;
  align-items: center; /* fixed: 'right' is not valid */
}

.nav a {
  color: var(--text);
  text-decoration: none;
  padding: 10px 16px;
  border-radius: 8px;
  font-weight: 700;
  transition: background 0.3s, color 0.3s;
}

.nav a:hover {
  background: #f3f7fb;
  color: #ff7a00;
}

.nav a.active {
  color: #ff7a00;
  font-weight: 700;
  background: rgba(255, 122, 0, 0.20);
  border-bottom: 2px solid #ff7a00;
}

/* MOBILE NAV TOGGLE */
.nav-toggle {
  display: none;
  font-size: 22px;
  cursor: pointer;
  background: transparent;
  border: 1px solid #002d62;
  padding: 4px 10px;
  border-radius: 6px;
}

@media (max-width: 900px) {
  .nav-toggle {
    display: block;
  }

  .nav {
    display: none;
  }

  .nav.open {
    display: flex;
    flex-direction: column;
    background: #ffffff;
    position: absolute;
    top: 70px;
    right: 20px;
    padding: 12px;
    border-radius: 8px;
    box-shadow: 0 6px 24px rgba(0,0,0,0.15);
  }
}

/* --------------------------- FOOTER ---------------------------- */

.site-footer {
  background: #002d62;
  color: #fff;
  padding: 40px 0 30px;
  margin-top: 5px;
  position: relative;
}

.site-footer h4 {
  color: #ffffff;
  font-size: 1.18rem;
  margin-bottom: 14px;
  font-weight: 700;
}

.site-footer p {
  color: #d0d9e6;
  line-height: 1.6;
  margin: 0 0 10px;
  font-size: 0.95rem;
}

.tagline {
  margin-top: 8px;
  font-style: italic;
  opacity: 0.9;
}

/* Grid wrapper matches your HTML: <div class="container"><div class="footer-grid"> */
.footer-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
  align-items: flex-start;
}

.footer-col {
  display: flex;
  flex-direction: column;
}

/* LISTS */
.footer-links,
.footer-contact {
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer-links li,
.footer-contact li {
  margin-bottom: 8px;
  color: #d0d9e6;
  font-size: 0.95rem;
  display: flex;
  align-items: flex-start;
  gap: 6px;
}

/* Arrow bullet only for "Loans We Offer" list */
.footer-links li::before {
  content: "›";
  color: var(--accent);
  font-size: 1rem;
  font-weight: bold;
}

/* Clickable contact links */
.footer-contact a {
  color: #d0d9e6;
  text-decoration: none;
}

.footer-contact a:hover {
  color: #ffffff;
}

/* Hover */
.footer-links li:hover,
.footer-contact li:hover {
  color: #ffffff;
  transition: 0.25s ease;
}

/* BOTTOM COPYRIGHT */
.footer-bottom {
  text-align: center;
  padding-top: 26px;
  font-size: 0.9rem;
  color: #c7d3e6;
  border-top: 1px solid rgba(255,255,255,0.15);
}

/* RESPONSIVE FOOTER */
@media (max-width: 900px) {
  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 30px;
  }
}

@media (max-width: 600px) {
  .footer-grid {
    grid-template-columns: 1fr;
    text-align: center;
  }

  .footer-links li::before {
    display: none;
  }

  .footer-links li,
  .footer-contact li {
    justify-content: center;
  }
}