/* Sood Mortgages Group — luxury editorial UI */

:root {
  --sood-ink: #060b14;
  --sood-ink-soft: #121a2e;
  --sood-body: #3d4a63;
  --sood-muted: #64748b;
  --sood-frost: #f4f7fc;
  --sood-cream: #fafbfe;
  --sood-white: #ffffff;
  --sood-line: rgba(37, 99, 235, 0.1);
  --sood-line-strong: rgba(37, 99, 235, 0.18);
  --sood-blue-deep: #071428;
  --sood-blue: #1d4ed8;
  --sood-blue-bright: #2563eb;
  --sood-blue-soft: #93c5fd;
  --sood-sky: #38bdf8;
  --sood-ice: #e0f2fe;
  --sood-glow: rgba(37, 99, 235, 0.38);
  --sood-glow-soft: rgba(56, 189, 248, 0.15);
  --sood-radius: 1.125rem;
  --sood-radius-lg: 1.625rem;
  --sood-radius-xl: 2rem;
  --sood-shadow: 0 4px 6px -1px rgba(15, 23, 42, 0.05), 0 20px 40px -12px rgba(15, 23, 42, 0.1);
  --sood-shadow-md: 0 12px 28px -8px rgba(15, 23, 42, 0.12), 0 0 0 1px rgba(255, 255, 255, 0.6) inset;
  --sood-shadow-lg: 0 24px 56px -12px rgba(15, 23, 42, 0.16), 0 0 0 1px rgba(255, 255, 255, 0.45) inset;
  --sood-shadow-hero-card: 0 32px 64px -16px rgba(0, 0, 0, 0.45), 0 0 0 1px rgba(255, 255, 255, 0.12) inset;
  --sood-header-h: 5.5rem;
  --sood-header-stack: calc(var(--sood-header-h) + env(safe-area-inset-top, 0px));
  --font-display: "Cormorant Garamond", "Palatino Linotype", Palatino, Georgia, serif;
  --font-ui: "Plus Jakarta Sans", system-ui, -apple-system, sans-serif;
  --ease-out: cubic-bezier(0.16, 1, 0.3, 1);
  --ease-spring: cubic-bezier(0.34, 1.56, 0.64, 1);
}

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

html {
  scroll-behavior: smooth;
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}

body {
  margin: 0;
  display: flex;
  flex-direction: column;
  min-height: 100vh;
  font-family: var(--font-ui);
  font-size: 1.0625rem;
  line-height: 1.68;
  letter-spacing: 0.01em;
  color: var(--sood-body);
  background-color: var(--sood-cream);
  background-image:
    radial-gradient(ellipse 100% 80% at 50% -30%, rgba(37, 99, 235, 0.07), transparent 55%),
    radial-gradient(ellipse 55% 45% at 100% 0%, rgba(56, 189, 248, 0.06), transparent),
    radial-gradient(ellipse 40% 30% at 0% 40%, rgba(30, 64, 175, 0.04), transparent),
    linear-gradient(180deg, var(--sood-cream) 0%, var(--sood-frost) 55%, #eef2f9 100%);
  -webkit-font-smoothing: antialiased;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: var(--sood-blue-bright);
  text-decoration-thickness: 1px;
  text-underline-offset: 0.2em;
}

a:hover {
  color: var(--sood-blue);
}

.sood-skip {
  position: absolute;
  left: -9999px;
  top: 0.75rem;
  z-index: 10000;
  padding: 0.5rem 1rem;
  background: var(--sood-white);
  color: var(--sood-ink);
  border-radius: 0.5rem;
}

.sood-skip:focus {
  left: 0.75rem;
}

/* ——— Header ——— */
.sood-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  height: var(--sood-header-h);
  display: flex;
  align-items: center;
  background: rgba(255, 255, 255, 0.82);
  backdrop-filter: blur(20px) saturate(1.35);
  -webkit-backdrop-filter: blur(20px) saturate(1.35);
  border-bottom: 1px solid rgba(148, 163, 184, 0.22);
  box-shadow: 0 1px 0 rgba(255, 255, 255, 0.85) inset, 0 8px 32px -8px rgba(15, 23, 42, 0.08);
}

.sood-header__inner {
  width: 100%;
  max-width: 72rem;
  margin: 0 auto;
  padding: 0 clamp(1.25rem, 4vw, 2rem);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
}

.sood-logo {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  text-decoration: none;
  color: inherit;
  flex-shrink: 0;
}

.sood-logo__accent {
  width: 4px;
  align-self: stretch;
  min-height: 2.35rem;
  border-radius: 999px;
  background: linear-gradient(180deg, #7dd3fc 0%, var(--sood-blue-bright) 42%, #172554 100%);
  box-shadow: 0 0 0 1px rgba(255, 255, 255, 0.35) inset, 0 4px 20px rgba(37, 99, 235, 0.35);
}

.sood-logo__stack {
  display: flex;
  flex-direction: column;
  line-height: 1.05;
}

.sood-logo__primary {
  font-family: var(--font-display);
  font-size: clamp(1.35rem, 2.5vw, 1.75rem);
  font-weight: 700;
  letter-spacing: 0.04em;
  background: linear-gradient(135deg, var(--sood-ink) 0%, var(--sood-blue-deep) 50%, var(--sood-blue-bright) 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.sood-logo__secondary {
  font-family: var(--font-ui);
  font-size: 0.62rem;
  font-weight: 600;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--sood-muted);
  margin-top: 0.2rem;
}

.sood-logo--footer .sood-logo__accent {
  min-height: 1.85rem;
}

.sood-logo--footer .sood-logo__primary {
  font-size: 1.35rem;
}

.sood-logo--footer .sood-logo__secondary {
  font-size: 0.55rem;
  letter-spacing: 0.22em;
}

.sood-nav {
  display: flex;
  align-items: center;
  gap: 0.25rem;
}

.sood-nav__link {
  padding: 0.5rem 1rem;
  font-size: 0.875rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  color: var(--sood-ink-soft);
  text-decoration: none;
  border-radius: 999px;
  transition: color 0.25s var(--ease-out), background 0.25s var(--ease-out), transform 0.2s;
}

.sood-nav__link:hover {
  color: var(--sood-blue-bright);
  background: rgba(37, 99, 235, 0.07);
}

.sood-nav__link.is-active {
  color: var(--sood-blue-bright);
  background: linear-gradient(135deg, rgba(37, 99, 235, 0.12), rgba(56, 189, 248, 0.08));
  box-shadow: 0 0 0 1px rgba(37, 99, 235, 0.12);
}

.sood-nav__cta {
  margin-left: 0.5rem;
}

@media (max-width: 1100px) {
  .sood-nav__link:not(.sood-btn) {
    padding: 0.45rem 0.65rem;
    font-size: 0.85rem;
  }
}

@media (max-width: 768px) {
  .sood-nav {
    position: fixed;
    inset: 0;
    top: var(--sood-header-stack);
    flex-direction: column;
    align-items: stretch;
    padding: 1.5rem;
    gap: 0.5rem;
    background: linear-gradient(165deg, var(--sood-blue-deep) 0%, #0f2749 50%, #132a52 100%);
    transform: translateX(100%);
    opacity: 0;
    visibility: hidden;
    transition: transform 0.5s var(--ease-out), opacity 0.35s, visibility 0.35s;
  }

  .sood-nav.is-open {
    transform: translateX(0);
    opacity: 1;
    visibility: visible;
  }

  .sood-nav__link {
    color: rgba(255, 255, 255, 0.92);
    font-size: 1.125rem;
    padding: 0.85rem 1rem;
    border-radius: var(--sood-radius);
  }

  .sood-nav__link:hover,
  .sood-nav__link.is-active {
    color: #fff;
    background: rgba(255, 255, 255, 0.1);
  }

  .sood-nav__cta {
    margin-left: 0;
    margin-top: 1rem;
  }
}

.sood-menu-btn {
  display: none;
  width: 2.75rem;
  height: 2.75rem;
  border: 1px solid rgba(37, 99, 235, 0.12);
  border-radius: 0.875rem;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.95), rgba(241, 245, 249, 0.9));
  box-shadow: 0 1px 0 rgba(255, 255, 255, 0.9) inset, var(--sood-shadow);
  cursor: pointer;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 5px;
  transition: box-shadow 0.2s, transform 0.2s var(--ease-out);
}

.sood-menu-btn:hover {
  box-shadow: var(--sood-shadow-md);
  transform: translateY(-1px);
}

.sood-menu-btn span {
  display: block;
  width: 1.25rem;
  height: 2px;
  background: var(--sood-ink);
  border-radius: 1px;
  transition: transform 0.3s var(--ease-out), opacity 0.2s;
}

.sood-menu-btn.is-open span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.sood-menu-btn.is-open span:nth-child(2) {
  opacity: 0;
}

.sood-menu-btn.is-open span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

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

@media (min-width: 769px) {
  .sood-nav {
    display: flex !important;
  }
}

/* ——— Buttons ——— */
.sood-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.85rem 1.65rem;
  font-family: var(--font-ui);
  font-size: 0.95rem;
  font-weight: 600;
  border-radius: 999px;
  border: none;
  cursor: pointer;
  text-decoration: none;
  transition: transform 0.25s var(--ease-out), box-shadow 0.25s, background 0.25s;
}

.sood-btn--primary {
  background: linear-gradient(145deg, #3b82f6 0%, var(--sood-blue-bright) 38%, #1e40af 100%);
  color: #fff;
  box-shadow: 0 1px 0 rgba(255, 255, 255, 0.22) inset, 0 10px 32px -4px var(--sood-glow);
  letter-spacing: 0.03em;
}

.sood-btn--primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 1px 0 rgba(255, 255, 255, 0.28) inset, 0 16px 40px -4px var(--sood-glow);
  color: #fff;
}

.sood-btn--ghost {
  background: rgba(255, 255, 255, 0.12);
  color: #fff;
  border: 1px solid rgba(255, 255, 255, 0.35);
}

.sood-btn--ghost:hover {
  background: rgba(255, 255, 255, 0.2);
  color: #fff;
}

.sood-btn--outline {
  background: rgba(255, 255, 255, 0.95);
  color: var(--sood-blue-bright);
  border: 1px solid rgba(37, 99, 235, 0.22);
  box-shadow: var(--sood-shadow), 0 1px 0 rgba(255, 255, 255, 0.9) inset;
}

.sood-btn--outline:hover {
  border-color: var(--sood-blue-bright);
  color: #1e40af;
  box-shadow: var(--sood-shadow-md);
}

/* ——— Layout ——— */
.sood-main {
  flex: 1;
  min-height: 0;
  padding-top: var(--sood-header-stack);
}

.sood-wrap {
  width: 100%;
  max-width: 72rem;
  margin: 0 auto;
  padding-left: clamp(1.25rem, 4vw, 2rem);
  padding-right: clamp(1.25rem, 4vw, 2rem);
}

.sood-section {
  padding: clamp(4rem, 10vw, 7rem) 0;
}

.sood-section--surface {
  background: linear-gradient(180deg, #ffffff 0%, #fafbff 100%);
  border-block: 1px solid rgba(148, 163, 184, 0.18);
  box-shadow: 0 1px 0 rgba(255, 255, 255, 0.9) inset;
}

.sood-section--surface-soft {
  background: linear-gradient(165deg, rgba(255, 255, 255, 0.72) 0%, var(--sood-frost) 45%, rgba(224, 242, 254, 0.35) 100%);
  border-block: 1px solid var(--sood-line);
}

.sood-eyebrow {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--sood-blue-bright);
  margin: 0 0 1rem;
}

.sood-eyebrow::before {
  content: "";
  width: 2.25rem;
  height: 1px;
  background: linear-gradient(90deg, var(--sood-blue-bright), rgba(56, 189, 248, 0.35));
  opacity: 0.85;
  flex-shrink: 0;
}

.sood-inner-hero .sood-eyebrow::before,
.sood-hero .sood-eyebrow::before {
  background: linear-gradient(90deg, rgba(147, 197, 253, 0.95), rgba(56, 189, 248, 0.25));
}

.sood-h1 {
  font-family: var(--font-display);
  font-size: clamp(2.75rem, 6vw, 4.25rem);
  font-weight: 600;
  line-height: 1.08;
  color: var(--sood-ink);
  margin: 0 0 1.25rem;
  letter-spacing: -0.02em;
}

.sood-h2 {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 600;
  line-height: 1.12;
  color: var(--sood-ink);
  margin: 0 0 1rem;
}

.sood-lead {
  font-size: clamp(1.05rem, 2vw, 1.2rem);
  color: var(--sood-muted);
  max-width: 36rem;
  margin: 0;
}

/* ——— Hero ——— */
.sood-hero {
  position: relative;
  /* One page scroll only: never mix overflow-x hidden with overflow-y visible (y becomes auto → inner bar). */
  overflow: hidden;
  min-height: clamp(22rem, calc(100dvh - var(--sood-header-stack) - 2rem), 52rem);
  margin-top: 0;
  padding-top: clamp(1.25rem, 4vw, 2.25rem);
  padding-bottom: clamp(1.75rem, 4vh, 2.75rem);
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  align-items: stretch;
}

.sood-hero__bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.sood-hero__bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  animation: sood-hero-ken 24s ease-in-out infinite alternate;
}

@keyframes sood-hero-ken {
  from {
    transform: scale(1.04);
  }
  to {
    transform: scale(1.14);
  }
}

@media (prefers-reduced-motion: reduce) {
  .sood-hero__bg img {
    animation: none;
  }
}

.sood-hero__overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    125deg,
    rgba(4, 8, 18, 0.96) 0%,
    rgba(10, 24, 52, 0.88) 32%,
    rgba(23, 58, 120, 0.55) 58%,
    rgba(30, 64, 175, 0.38) 78%,
    rgba(125, 211, 252, 0.14) 100%
  );
}

.sood-hero__vignette {
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 85% 70% at 50% 100%, rgba(0, 0, 0, 0.5), transparent 55%);
  pointer-events: none;
}

.sood-hero__glow {
  position: absolute;
  width: min(90vw, 52rem);
  height: min(90vw, 52rem);
  top: -20%;
  right: -15%;
  background: radial-gradient(circle, rgba(56, 189, 248, 0.25) 0%, transparent 65%);
  animation: sood-hero-glow 14s ease-in-out infinite alternate;
  pointer-events: none;
}

@keyframes sood-hero-glow {
  from {
    opacity: 0.5;
    transform: scale(1) translate(0, 0);
  }
  to {
    opacity: 0.85;
    transform: scale(1.08) translate(-3%, 4%);
  }
}

.sood-hero__grain {
  position: absolute;
  inset: 0;
  opacity: 0.045;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
  pointer-events: none;
}

.sood-hero__layout {
  position: relative;
  z-index: 1;
  width: 100%;
  max-width: 76rem;
  margin: 0 auto;
  display: grid;
  align-content: start;
  padding-left: clamp(1.25rem, 4vw, 2rem);
  padding-right: clamp(1.25rem, 4vw, 2rem);
  gap: clamp(2rem, 4vw, 3rem);
  align-items: start;
}

@media (min-width: 1024px) {
  .sood-hero__layout {
    grid-template-columns: minmax(0, 1fr) minmax(280px, 380px);
    gap: clamp(2rem, 5vw, 4rem);
  }
}

.sood-hero__col--copy {
  max-width: 38rem;
}

@media (min-width: 1024px) {
  .sood-hero__col--copy {
    max-width: none;
  }
}

.sood-hero .sood-eyebrow {
  color: rgba(147, 197, 253, 0.98);
}

.sood-hero .sood-h1 {
  color: #fff;
  text-shadow: 0 4px 48px rgba(0, 0, 0, 0.35);
  font-size: clamp(2.5rem, 5.2vw + 0.5rem, 4.5rem);
}

.sood-hero .sood-lead {
  color: rgba(226, 232, 240, 0.93);
  max-width: 36rem;
  font-size: clamp(1.02rem, 1.5vw, 1.2rem);
}

.sood-hero__trust {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.5rem 0.65rem;
  margin: clamp(1.25rem, 2.5vh, 1.75rem) 0 0;
  padding: 0;
  list-style: none;
}

.sood-hero__trust li {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(226, 232, 240, 0.88);
  padding: 0.4rem 0.75rem;
  border-radius: 999px;
  border: 1px solid rgba(255, 255, 255, 0.14);
  background: rgba(255, 255, 255, 0.06);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}

.sood-hero__trust li::before {
  content: "";
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: linear-gradient(135deg, #7dd3fc, var(--sood-blue-bright));
  box-shadow: 0 0 10px rgba(56, 189, 248, 0.5);
}

.sood-hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-top: clamp(1.35rem, 2.8vh, 2rem);
}

.sood-hero__stats {
  display: flex;
  flex-wrap: wrap;
  gap: clamp(1.25rem, 4vw, 2.5rem);
  margin-top: clamp(2rem, 4vh, 3rem);
  padding-top: clamp(1.25rem, 3vh, 2rem);
  border-top: 1px solid rgba(255, 255, 255, 0.14);
}

@media (min-width: 1024px) {
  .sood-hero__stats {
    max-width: 36rem;
  }
}

/* Hero entrance motion */
@media (prefers-reduced-motion: no-preference) {
  .sood-hero__anim {
    opacity: 0;
    transform: translateY(1.75rem);
    animation: sood-hero-enter 1s var(--ease-out) forwards;
  }

  .sood-hero__anim--1 {
    animation-delay: 0.05s;
  }
  .sood-hero__anim--2 {
    animation-delay: 0.14s;
  }
  .sood-hero__anim--3 {
    animation-delay: 0.22s;
  }
  .sood-hero__anim--4 {
    animation-delay: 0.3s;
  }
  .sood-hero__anim--5 {
    animation-delay: 0.38s;
  }
  .sood-hero__anim--6 {
    animation-delay: 0.46s;
  }
  .sood-hero__anim--7 {
    animation-delay: 0.54s;
  }
}

@keyframes sood-hero-enter {
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@media (prefers-reduced-motion: reduce) {
  .sood-hero__anim {
    opacity: 1 !important;
    transform: none !important;
    animation: none !important;
  }
}

/* Lead capture panel (hero) */
.sood-lead-panel {
  position: relative;
  background: linear-gradient(155deg, rgba(255, 255, 255, 0.14) 0%, rgba(255, 255, 255, 0.06) 100%);
  backdrop-filter: blur(24px) saturate(1.2);
  -webkit-backdrop-filter: blur(24px) saturate(1.2);
  border: 1px solid rgba(255, 255, 255, 0.24);
  border-radius: var(--sood-radius-xl);
  padding: clamp(1.35rem, 3vw, 1.95rem);
  box-shadow: var(--sood-shadow-hero-card), 0 0 0 1px rgba(255, 255, 255, 0.06) inset;
}

.sood-lead-panel::before {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: inherit;
  padding: 1px;
  background: linear-gradient(145deg, rgba(255, 255, 255, 0.35), transparent 40%, rgba(56, 189, 248, 0.15));
  -webkit-mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
  mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
  -webkit-mask-composite: xor;
  mask-composite: exclude;
  pointer-events: none;
}

.sood-lead-panel__title {
  font-family: var(--font-display);
  font-size: clamp(1.35rem, 2.2vw, 1.65rem);
  font-weight: 600;
  color: #fff;
  margin: 0 0 0.35rem;
  line-height: 1.2;
}

.sood-lead-panel__sub {
  font-size: 0.85rem;
  color: rgba(226, 232, 240, 0.82);
  margin: 0 0 1.25rem;
  line-height: 1.45;
}

.sood-lead-form {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.sood-lead-form label {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  border: 0;
}

.sood-lead-form input,
.sood-lead-form select {
  width: 100%;
  padding: 0.72rem 0.9rem;
  font-family: var(--font-ui);
  font-size: 0.9rem;
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: 0.65rem;
  background: rgba(255, 255, 255, 0.12);
  color: #fff;
  transition: border-color 0.2s, box-shadow 0.2s, background 0.2s;
}

.sood-lead-form input::placeholder {
  color: rgba(226, 232, 240, 0.45);
}

.sood-lead-form select {
  cursor: pointer;
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='%23e2e8f0'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23e2e8f0' stroke-width='1.5' fill='none'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.75rem center;
  padding-right: 2rem;
}

.sood-lead-form select option {
  color: var(--sood-ink);
  background: #fff;
}

.sood-lead-form input:focus,
.sood-lead-form select:focus {
  outline: none;
  border-color: rgba(147, 197, 253, 0.85);
  box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.35);
  background: rgba(255, 255, 255, 0.16);
}

.sood-lead-form .sood-btn--primary {
  width: 100%;
  margin-top: 0.25rem;
  padding: 0.9rem 1rem;
}

.sood-lead-form .sood-form__msg {
  font-size: 0.82rem;
  border-radius: 0.5rem;
}

.sood-lead-form .sood-form__msg--ok {
  background: rgba(34, 197, 94, 0.2);
  color: #bbf7d0;
}

.sood-lead-form .sood-form__msg--err {
  background: rgba(239, 68, 68, 0.15);
  color: #fecaca;
}

.sood-hp {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

.sood-stat {
  min-width: 5rem;
}

.sood-stat__value {
  font-family: var(--font-display);
  font-size: 2.25rem;
  font-weight: 600;
  color: #fff;
  line-height: 1;
}

.sood-stat__label {
  font-size: 0.8rem;
  color: rgba(226, 232, 240, 0.75);
  margin-top: 0.35rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

/* ——— Inner pages: hero band (matches brand blues, complements home photo hero) ——— */
.sood-inner-hero {
  position: relative;
  overflow: hidden;
  padding: clamp(3.25rem, 8vw, 5.5rem) 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  background: linear-gradient(128deg, #050a16 0%, var(--sood-blue-deep) 38%, #152a52 68%, #1e3a8a 100%);
  color: #e2e8f0;
  box-shadow: 0 24px 48px -24px rgba(15, 23, 42, 0.35);
}

.sood-inner-hero__glow {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 80% 55% at 15% 20%, rgba(56, 189, 248, 0.18), transparent 50%),
    radial-gradient(ellipse 60% 50% at 90% 80%, rgba(37, 99, 235, 0.35), transparent 55%);
  pointer-events: none;
}

.sood-inner-hero__grain {
  position: absolute;
  inset: 0;
  opacity: 0.04;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
  pointer-events: none;
}

.sood-inner-hero__inner {
  position: relative;
  z-index: 1;
}

.sood-inner-hero .sood-eyebrow {
  color: rgba(147, 197, 253, 0.95);
}

.sood-inner-hero .sood-h1 {
  color: #fff;
  margin-bottom: 0.75rem;
  text-shadow: 0 4px 32px rgba(0, 0, 0, 0.25);
}

.sood-inner-hero .sood-lead {
  color: rgba(226, 232, 240, 0.9);
  max-width: 40rem;
}

.sood-breadcrumb {
  font-size: 0.8rem;
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 1.25rem;
  color: rgba(148, 163, 184, 0.95);
}

.sood-breadcrumb a {
  color: rgba(226, 232, 240, 0.88);
  text-decoration: none;
}

.sood-breadcrumb a:hover {
  color: #fff;
  text-decoration: underline;
}

.sood-breadcrumb span[aria-hidden="true"] {
  margin: 0 0.45rem;
  opacity: 0.55;
}

.sood-breadcrumb__current {
  color: rgba(255, 255, 255, 0.95);
}

.sood-inner-hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 1.75rem;
}

.sood-inner-hero__toc {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-top: 1.75rem;
}

.sood-inner-hero__toc a {
  display: inline-flex;
  align-items: center;
  padding: 0.5rem 1.1rem;
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  color: rgba(255, 255, 255, 0.94);
  text-decoration: none;
  border-radius: 999px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  background: rgba(255, 255, 255, 0.08);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  box-shadow: 0 1px 0 rgba(255, 255, 255, 0.1) inset;
  transition: background 0.25s var(--ease-out), border-color 0.25s, transform 0.2s var(--ease-out);
}

.sood-inner-hero__toc a:hover {
  background: rgba(255, 255, 255, 0.14);
  border-color: rgba(147, 197, 253, 0.45);
  color: #fff;
  transform: translateY(-1px);
}

.sood-section--tight-top {
  padding-top: clamp(2.5rem, 5vw, 3.5rem);
}

.sood-card--accent {
  border-left: 4px solid var(--sood-blue-bright);
}

body.sood-page-inner {
  background: var(--sood-frost);
}

#residential,
#refinance,
#commercial {
  scroll-margin-top: calc(var(--sood-header-stack) + 0.75rem);
}

/* ——— Cards & grids ——— */
.sood-grid-3 {
  display: grid;
  gap: 1.5rem;
  grid-template-columns: repeat(auto-fit, minmax(17rem, 1fr));
}

.sood-card {
  position: relative;
  background: linear-gradient(180deg, #ffffff 0%, #fafcff 100%);
  border-radius: var(--sood-radius-xl);
  border: 1px solid rgba(148, 163, 184, 0.2);
  padding: 2rem;
  box-shadow: var(--sood-shadow);
  transition: transform 0.45s var(--ease-out), box-shadow 0.45s var(--ease-out), border-color 0.35s;
  overflow: hidden;
}

.sood-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--sood-blue-bright), var(--sood-sky), rgba(37, 99, 235, 0.25));
  opacity: 0.85;
  pointer-events: none;
}

.sood-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--sood-shadow-lg);
  border-color: rgba(37, 99, 235, 0.22);
}

.sood-card__icon {
  width: 3.25rem;
  height: 3.25rem;
  border-radius: 1rem;
  background: linear-gradient(145deg, rgba(37, 99, 235, 0.12), rgba(56, 189, 248, 0.08));
  border: 1px solid rgba(37, 99, 235, 0.1);
  box-shadow: 0 1px 0 rgba(255, 255, 255, 0.8) inset;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.35rem;
  margin-bottom: 1.25rem;
}

.sood-card .sood-eyebrow {
  gap: 0;
}

.sood-card .sood-eyebrow::before {
  display: none;
}

.sood-card h3 {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 600;
  color: var(--sood-ink);
  margin: 0 0 0.5rem;
}

.sood-card p {
  margin: 0;
  font-size: 0.98rem;
  color: var(--sood-muted);
}

/* ——— Split section ——— */
.sood-split {
  display: grid;
  gap: clamp(2rem, 5vw, 4rem);
  align-items: center;
  grid-template-columns: 1fr;
}

@media (min-width: 900px) {
  .sood-split {
    grid-template-columns: 1fr 1fr;
  }
}

.sood-split > div > p + p {
  margin-top: 1rem;
}

.sood-split__visual {
  position: relative;
  border-radius: var(--sood-radius-xl);
  overflow: hidden;
  aspect-ratio: 4/3;
  box-shadow: var(--sood-shadow-lg), 0 0 0 1px rgba(255, 255, 255, 0.5) inset;
}

.sood-split__visual::after {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: inherit;
  box-shadow: inset 0 0 0 1px rgba(15, 23, 42, 0.06);
  pointer-events: none;
}

.sood-split__visual img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transform: scale(1.02);
  transition: transform 0.7s var(--ease-out);
}

.sood-split__visual:hover img {
  transform: scale(1.06);
}

.sood-split__accent {
  position: absolute;
  bottom: -1rem;
  right: -1rem;
  width: 40%;
  height: 40%;
  background: linear-gradient(135deg, var(--sood-blue-bright), var(--sood-sky));
  border-radius: var(--sood-radius-lg);
  opacity: 0.2;
  z-index: -1;
}

/* ——— CTA band ——— */
.sood-cta-band {
  position: relative;
  margin: 0 auto;
  max-width: 56rem;
  border-radius: var(--sood-radius-xl);
  padding: clamp(2.75rem, 5vw, 4.25rem);
  background: linear-gradient(145deg, #050d1c 0%, var(--sood-blue-deep) 42%, #1e3a5f 78%, #1d4ed8 130%);
  color: #e2e8f0;
  text-align: center;
  box-shadow: var(--sood-shadow-lg), 0 0 80px -20px rgba(37, 99, 235, 0.45);
  border: 1px solid rgba(255, 255, 255, 0.1);
  overflow: hidden;
}

.sood-cta-band::before {
  content: "";
  position: absolute;
  inset: -40%;
  background: radial-gradient(circle at 30% 20%, rgba(56, 189, 248, 0.2), transparent 45%),
    radial-gradient(circle at 85% 80%, rgba(37, 99, 235, 0.35), transparent 50%);
  pointer-events: none;
}

.sood-cta-band > * {
  position: relative;
  z-index: 1;
}

.sood-cta-band h2 {
  color: #fff;
  margin-bottom: 0.75rem;
  text-shadow: 0 2px 24px rgba(0, 0, 0, 0.2);
}

.sood-cta-band p {
  margin: 0 auto 1.75rem;
  max-width: 32rem;
  color: rgba(226, 232, 240, 0.9);
  font-size: 1.05rem;
}

/* ——— Contact ——— */
.sood-contact-grid {
  display: grid;
  gap: 2rem;
}

@media (min-width: 900px) {
  .sood-contact-grid {
    grid-template-columns: 1fr 1.1fr;
  }
}

.sood-form label {
  display: block;
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--sood-muted);
  margin-bottom: 0.4rem;
}

.sood-form input,
.sood-form textarea {
  width: 100%;
  padding: 0.9rem 1rem;
  font-family: var(--font-ui);
  font-size: 1rem;
  border: 1px solid var(--sood-line);
  border-radius: 0.75rem;
  background: var(--sood-white);
  transition: border-color 0.2s, box-shadow 0.2s;
}

.sood-form input:focus,
.sood-form textarea:focus {
  outline: none;
  border-color: var(--sood-blue-bright);
  box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.12);
}

.sood-form textarea {
  min-height: 9rem;
  resize: vertical;
}

.sood-form__row {
  display: grid;
  gap: 1rem;
}

@media (min-width: 500px) {
  .sood-form__row--2 {
    grid-template-columns: 1fr 1fr;
  }
}

.sood-form__msg {
  margin-top: 1rem;
  padding: 0.75rem 1rem;
  border-radius: 0.75rem;
  font-size: 0.9rem;
  display: none;
}

.sood-form__msg.is-visible {
  display: block;
}

.sood-form__msg--ok {
  background: rgba(34, 197, 94, 0.12);
  color: #166534;
}

.sood-form__msg--err {
  background: rgba(239, 68, 68, 0.1);
  color: #b91c1c;
}

/* ——— Footer ——— */
.sood-footer {
  position: relative;
  background: linear-gradient(180deg, #030712 0%, var(--sood-blue-deep) 45%, #020617 100%);
  color: rgba(226, 232, 240, 0.85);
  padding: 4rem 0 2.25rem;
  margin-top: auto;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
}

.sood-footer::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(56, 189, 248, 0.35), transparent);
  opacity: 0.9;
}

.sood-footer a {
  color: rgba(255, 255, 255, 0.88);
}

.sood-footer a:hover {
  color: #fff;
}

.sood-footer__grid {
  display: grid;
  gap: 2rem;
  grid-template-columns: repeat(auto-fit, minmax(12rem, 1fr));
  margin-bottom: 2.5rem;
}

.sood-footer__brand .sood-logo__primary {
  background: none;
  -webkit-text-fill-color: #fff;
  color: #fff;
}

.sood-footer__brand .sood-logo__secondary {
  color: rgba(148, 163, 184, 0.95);
}

.sood-footer h4 {
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: rgba(148, 163, 184, 0.95);
  margin: 0 0 1rem;
}

.sood-footer ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

.sood-footer li {
  margin-bottom: 0.5rem;
}

.sood-footer li a {
  text-decoration: none;
  font-size: 0.95rem;
}

.sood-footer__bottom {
  padding-top: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 0.85rem;
  color: rgba(148, 163, 184, 0.85);
}

/* ——— Reveal ——— */
.sood-reveal {
  opacity: 0;
  transform: translateY(2rem);
  transition: opacity 0.8s var(--ease-out), transform 0.8s var(--ease-out);
}

.sood-reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}

/* ——— 404 ——— */
.sood-404 {
  min-height: calc(70vh - var(--sood-header-stack));
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 2rem;
  background: radial-gradient(ellipse 70% 50% at 50% 0%, rgba(37, 99, 235, 0.06), transparent),
    radial-gradient(ellipse 50% 40% at 100% 100%, rgba(56, 189, 248, 0.06), transparent);
  border-radius: var(--sood-radius-xl);
  border: 1px solid var(--sood-line);
  box-shadow: var(--sood-shadow);
}

.sood-404 h1 {
  font-family: var(--font-display);
  font-size: clamp(4rem, 15vw, 8rem);
  line-height: 1;
  margin: 0;
  background: linear-gradient(135deg, var(--sood-blue-bright), var(--sood-sky));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.sood-404 h2 {
  margin: 1rem 0 0.5rem;
}