/* Loan Officer landing page ("/loan-officer") styles.
   Everything is scoped under .lo-page so nothing here can leak into
   the rest of the site (header/footer/other pages use their own CSS). */

.lo-page {
  --navy: #0B2545;
  --navy-mid: #1A3A6B;
  --gold: #C9974B;
  --gold-light: #E8B96A;
  --cream: #FAF7F2;
  --cream-border: #EAE5DC;
  --charcoal: #2C3240;
  --muted: #6B7280;
  --white: #FFFFFF;

  font-family: 'DM Sans', sans-serif;
  font-weight: 400;
  color: var(--charcoal);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

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

.lo-page ul, .lo-page ol { margin: 0; padding: 0; list-style: none; }
.lo-page h1, .lo-page h2, .lo-page h3, .lo-page h4, .lo-page h5, .lo-page h6, .lo-page p { margin: 0; }

/* ─── HERO ─── */
.lo-page .hero { background: var(--navy); position: relative; overflow: hidden; padding: 90px 0 80px; }
.lo-page .hero::before { content: ''; position: absolute; inset: 0; background: radial-gradient(ellipse 70% 60% at 80% 50%, rgba(201,151,75,0.12) 0%, transparent 60%); pointer-events: none; }
.lo-page .hero-geo { position: absolute; right: -40px; top: 50%; transform: translateY(-50%); width: 480px; height: 480px; border: 1px solid rgba(201,151,75,0.15); border-radius: 50%; pointer-events: none; }
.lo-page .hero-geo::after { content: ''; position: absolute; inset: 40px; border: 1px solid rgba(201,151,75,0.1); border-radius: 50%; }
.lo-page .hero-inner { position: relative; z-index: 2; }
.lo-page .hero-eyebrow { display: inline-flex; align-items: center; gap: 8px; background: rgba(201,151,75,0.15); border: 1px solid rgba(201,151,75,0.3); color: var(--gold-light); font-size: 12px; font-weight: 600; letter-spacing: 1.4px; text-transform: uppercase; padding: 6px 14px; border-radius: 4px; margin-bottom: 28px; }
.lo-page .hero-eyebrow::before { content: ''; width: 6px; height: 6px; background: var(--gold); border-radius: 50%; }
.lo-page .hero h1 { font-family: 'Playfair Display', serif; font-size: clamp(30px, 5vw, 54px); font-weight: 700; color: var(--white); line-height: 1.12; letter-spacing: -0.8px; max-width: 660px; margin-bottom: 22px; }
.lo-page .hero h1 em { font-style: italic; color: var(--gold-light); }
.lo-page .hero-lead { font-size: 17px; font-weight: 300; color: rgba(255,255,255,0.72); max-width: 600px; line-height: 1.75; margin-bottom: 36px; }
.lo-page .hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 48px; }
.lo-page .btn-primary { display: inline-flex; align-items: center; gap: 8px; background: var(--gold); color: var(--navy); text-decoration: none; font-weight: 600; font-size: 15px; padding: 14px 28px; border-radius: 6px; transition: background 0.18s, transform 0.15s; }
.lo-page .btn-primary:hover { background: var(--gold-light); transform: translateY(-1px); }
.lo-page .btn-secondary { display: inline-flex; align-items: center; gap: 8px; background: transparent; color: var(--white); text-decoration: none; font-weight: 500; font-size: 15px; padding: 14px 28px; border-radius: 6px; border: 1px solid rgba(255,255,255,0.3); transition: background 0.18s, border-color 0.18s; }
.lo-page .btn-secondary:hover { background: rgba(255,255,255,0.07); border-color: rgba(255,255,255,0.5); }
.lo-page .btn-secondary svg, .lo-page .btn-primary svg { width: 16px; height: 16px; stroke: currentColor; fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; flex-shrink: 0; }
.lo-page .hero-trust { display: flex; gap: 28px; flex-wrap: wrap; }
.lo-page .trust-item { display: flex; flex-direction: column; }
.lo-page .trust-number { font-family: 'Playfair Display', serif; font-size: 26px; font-weight: 700; color: var(--gold-light); line-height: 1; }
.lo-page .trust-label { font-size: 12px; color: rgba(255,255,255,0.5); letter-spacing: 0.5px; margin-top: 4px; }

/* ─── INTRO STRIP ─── */
.lo-page .intro-strip { background: var(--cream); padding: 48px 0; border-bottom: 1px solid var(--cream-border); }
.lo-page .intro-item { text-align: center; padding: 0 16px; }
.lo-page .intro-icon { width: 56px; height: 56px; margin: 0 auto 16px; }
.lo-page .intro-icon img { width: 100%; height: 100%; object-fit: contain; }
.lo-page .intro-item h3 { font-family: 'Playfair Display', serif; font-size: 17px; font-weight: 600; color: var(--navy); margin-bottom: 8px; }
.lo-page .intro-item p { font-size: 14px; color: var(--muted); line-height: 1.65; }

/* ─── SHARED SECTION STYLES ─── */
.lo-page .section-label { font-size: 11px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--gold); margin-bottom: 14px; }
.lo-page .section-title { font-family: 'Playfair Display', serif; font-size: clamp(24px, 3.5vw, 40px); font-weight: 700; color: var(--navy); line-height: 1.18; letter-spacing: -0.5px; margin-bottom: 16px; }
.lo-page .section-lead { font-size: 17px; color: var(--muted); max-width: 580px; line-height: 1.7; }

/* ─── OFFICERS ─── */
.lo-page .officers-section { background: var(--white); padding: 80px 0; }
.lo-page .officers-header { display: flex; align-items: flex-end; justify-content: space-between; margin-bottom: 48px; gap: 24px; flex-wrap: wrap; }
.lo-page .officer-card { background: var(--white); border: 1px solid var(--cream-border); border-radius: 16px; overflow: hidden; transition: box-shadow 0.25s, transform 0.2s; height: 100%; }
.lo-page .officer-card:hover { box-shadow: 0 12px 40px rgba(11,37,69,0.1); transform: translateY(-3px); }
.lo-page .officer-banner { background: var(--navy); height: 8px; position: relative; }
.lo-page .officer-banner::after { content: ''; position: absolute; inset: 0; background: linear-gradient(90deg, var(--gold) 0%, transparent 60%); opacity: 0.6; }
.lo-page .officer-body { padding: 32px; }
.lo-page .officer-photo-row { display: flex; align-items: flex-start; gap: 20px; margin-bottom: 24px; }
.lo-page .officer-avatar { width: 84px; height: 84px; border-radius: 12px; object-fit: cover; flex-shrink: 0; border: 3px solid var(--cream-border); }
.lo-page .officer-avatar-placeholder { width: 84px; height: 84px; border-radius: 12px; background: var(--navy); flex-shrink: 0; display: flex; align-items: center; justify-content: center; font-family: 'Playfair Display', serif; font-size: 26px; font-weight: 700; color: var(--gold-light); }
.lo-page .officer-meta { flex: 1; }
.lo-page .officer-name { font-family: 'Playfair Display', serif; font-size: 22px; font-weight: 700; color: var(--navy); line-height: 1.15; margin-bottom: 4px; }
.lo-page .officer-title { font-size: 13px; font-weight: 600; letter-spacing: 1px; text-transform: uppercase; color: var(--gold); margin-bottom: 10px; }
.lo-page .officer-badges { display: flex; flex-wrap: wrap; gap: 6px; }
.lo-page .badge { font-size: 11px; font-weight: 600; padding: 3px 10px; border-radius: 4px; letter-spacing: 0.3px; }
.lo-page .badge-navy { background: rgba(11,37,69,0.07); color: var(--navy-mid); }
.lo-page .badge-gold { background: rgba(201,151,75,0.12); color: #8B6020; }
.lo-page .badge-teal { background: rgba(29,158,117,0.1); color: #0F6E56; }
.lo-page .officer-bio { font-size: 15px; color: var(--charcoal); line-height: 1.75; margin-bottom: 20px; border-top: 1px solid var(--cream-border); padding-top: 20px; }
.lo-page .officer-specialties { margin-bottom: 24px; }
.lo-page .spec-label { font-size: 11px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: var(--muted); margin-bottom: 10px; }
.lo-page .spec-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 4px 16px; }
.lo-page .spec-item { display: flex; align-items: center; gap: 6px; font-size: 12.5px; color: var(--charcoal); font-weight: 500; padding: 3px 0; }
.lo-page .spec-dot { width: 5px; height: 5px; background: var(--gold); border-radius: 50%; flex-shrink: 0; }
.lo-page .officer-actions { display: flex; gap: 10px; flex-wrap: wrap; }
.lo-page .btn-officer-primary { flex: 1; display: inline-flex; align-items: center; justify-content: center; gap: 8px; background: var(--navy); color: var(--white); text-decoration: none; font-weight: 600; font-size: 14px; padding: 12px 20px; border-radius: 8px; min-width: 130px; transition: background 0.18s; }
.lo-page .btn-officer-primary:hover { background: var(--navy-mid); }
.lo-page .btn-officer-secondary { display: inline-flex; align-items: center; justify-content: center; gap: 7px; background: var(--cream); color: var(--navy); text-decoration: none; font-weight: 600; font-size: 14px; padding: 12px 16px; border-radius: 8px; border: 1px solid var(--cream-border); transition: background 0.18s; }
.lo-page .btn-officer-secondary:hover { background: #F0EBE0; }
.lo-page .btn-officer-secondary svg, .lo-page .btn-officer-primary svg { width: 15px; height: 15px; stroke: currentColor; fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; flex-shrink: 0; }

/* ─── WHY SECTION ─── */
.lo-page .why-section { background: var(--cream); padding: 80px 0; }
.lo-page .why-list { margin-top: 32px; display: flex; flex-direction: column; gap: 20px; }
.lo-page .why-item { display: flex; gap: 16px; align-items: flex-start; }
.lo-page .why-num { width: 34px; height: 34px; border-radius: 8px; background: var(--navy); color: var(--gold-light); font-family: 'Playfair Display', serif; font-size: 15px; font-weight: 700; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.lo-page .why-item-text h4 { font-size: 16px; font-weight: 600; color: var(--navy); margin-bottom: 4px; }
.lo-page .why-item-text p { font-size: 14px; color: var(--muted); line-height: 1.6; }
.lo-page .why-testimonial { background: var(--white); border: 1px solid var(--cream-border); border-radius: 16px; padding: 36px; position: relative; margin-bottom: 20px; }
.lo-page .quote-mark { font-family: 'Playfair Display', serif; font-size: 64px; line-height: 1; color: var(--gold); opacity: 0.25; position: absolute; top: 16px; left: 28px; user-select: none; }
.lo-page .why-testimonial blockquote { font-family: 'Playfair Display', serif; font-size: 17px; font-style: italic; color: var(--navy); line-height: 1.65; margin-bottom: 24px; margin-top: 20px; position: relative; z-index: 1; }
.lo-page .testimonial-author { display: flex; align-items: center; gap: 12px; }
.lo-page .author-avatar { width: 44px; height: 44px; border-radius: 50%; background: var(--navy); color: var(--gold-light); font-family: 'Playfair Display', serif; font-size: 16px; font-weight: 700; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.lo-page .author-name { font-size: 14px; font-weight: 600; color: var(--navy); }
.lo-page .author-location { font-size: 13px; color: var(--muted); }
.lo-page .stars { display: flex; gap: 2px; margin-bottom: 16px; }
.lo-page .star { width: 16px; height: 16px; fill: var(--gold); }

/* ─── PROCESS (how it works track) ─── */
.lo-page .process-section { background: var(--white); padding: 80px 0; }
.lo-page .process-header { text-align: center; margin-bottom: 48px; }
.lo-page .process-header .section-lead { margin: 0 auto; }
.lo-page .process-step { display: flex; flex-direction: column; align-items: center; text-align: center; padding: 0 12px 24px; }
.lo-page .step-circle { width: 52px; height: 52px; border-radius: 50%; background: var(--white); border: 2px solid var(--cream-border); display: flex; align-items: center; justify-content: center; margin-bottom: 16px; }
.lo-page .process-step.active .step-circle { background: var(--navy); border-color: var(--navy); }
.lo-page .step-circle svg { width: 22px; height: 22px; stroke: var(--muted); fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.lo-page .process-step.active .step-circle svg { stroke: var(--gold-light); }
.lo-page .step-circle img { width: 32px; height: 32px; object-fit: contain; }
.lo-page .step-num { font-family: 'Playfair Display', serif; font-size: 11px; font-weight: 700; color: var(--muted); letter-spacing: 1px; text-transform: uppercase; margin-bottom: 6px; }
.lo-page .process-step.active .step-num { color: var(--gold); }
.lo-page .step-title { font-size: 15px; font-weight: 600; color: var(--charcoal); line-height: 1.3; }
.lo-page .process-cta { text-align: center; margin-top: 8px; }

/* ─── SEO CONTENT ─── */
.lo-page .content-section { background: var(--cream); padding: 72px 0; }
.lo-page .content-block h2 { font-family: 'Playfair Display', serif; font-size: 21px; font-weight: 700; color: var(--navy); margin-bottom: 14px; line-height: 1.25; }
.lo-page .content-block p { font-size: 15px; color: var(--charcoal); line-height: 1.8; margin-bottom: 14px; }
.lo-page .content-block ul { display: flex; flex-direction: column; gap: 10px; margin-top: 10px; }
.lo-page .content-block ul li { display: flex; align-items: flex-start; gap: 10px; font-size: 14px; color: var(--charcoal); line-height: 1.55; }
.lo-page .content-block ul li::before { content: ''; width: 7px; height: 7px; background: var(--gold); border-radius: 50%; flex-shrink: 0; margin-top: 6px; }

/* ─── PROGRAMS ─── */
.lo-page .programs-section { background: var(--white); padding: 72px 0; }
.lo-page .programs-header { text-align: center; margin-bottom: 40px; }
.lo-page .program-card { background: var(--cream); border: 1px solid var(--cream-border); border-radius: 12px; padding: 26px; text-decoration: none; display: block; height: 100%; transition: box-shadow 0.2s, transform 0.18s; }
.lo-page .program-card:hover { box-shadow: 0 8px 24px rgba(11,37,69,0.08); transform: translateY(-2px); }
.lo-page .program-icon { width: 40px; height: 40px; background: var(--navy); border-radius: 8px; display: flex; align-items: center; justify-content: center; margin-bottom: 16px; }
.lo-page .program-icon svg { width: 20px; height: 20px; stroke: var(--gold-light); fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.lo-page .program-icon img { width: 30px; height: 30px; object-fit: contain; }
.lo-page .program-card h3 { font-family: 'Playfair Display', serif; font-size: 18px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.lo-page .program-card p { font-size: 13px; color: var(--muted); line-height: 1.6; }

/* ─── CTA ─── */
.lo-page .cta-section { background: var(--navy); padding: 72px 0; position: relative; overflow: hidden; }
.lo-page .cta-section::before { content: ''; position: absolute; top: -80px; right: -80px; width: 360px; height: 360px; border: 1px solid rgba(201,151,75,0.1); border-radius: 50%; pointer-events: none; }
.lo-page .cta-inner { text-align: center; position: relative; z-index: 2; }
.lo-page .cta-inner .section-label { color: var(--gold-light); }
.lo-page .cta-inner .section-title { color: var(--white); max-width: 540px; margin: 0 auto 20px; }
.lo-page .cta-inner .section-lead { color: rgba(255,255,255,0.6); margin: 0 auto 36px; max-width: 480px; }
.lo-page .cta-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
.lo-page .nmls-info { font-size: 12px; color: rgba(255,255,255,0.35); margin-top: 28px; }

@media (max-width: 767px) {
  .lo-page .officer-actions { flex-direction: column; }
  .lo-page .spec-grid { grid-template-columns: 1fr; }
  .lo-page .officer-body { padding: 24px; }
  /* g-5 gutter (24px half-margin) exceeds this theme's .container padding (15px),
     pushing the row past the viewport edge on mobile. Cap it to match. */
  .lo-page .row.g-5 { margin-left: -15px; margin-right: -15px; }
  .lo-page .row.g-5 > [class*="col-"] { padding-left: 15px; padding-right: 15px; }
}