*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --navy:#07093D;--navy-mid:#0d1050;--navy-lite:#141766;
  --gold:#C9A84C;--gold-lite:#E2C97E;--gold-dim:#9A7A30;
  --cream:#F5EDD6;--text:#C8C8E0;--border:rgba(201,168,76,0.25);
}
html{scroll-behavior:smooth}
body{background:var(--navy);color:var(--text);font-family:'Cormorant Garamond',serif;font-size:18px;line-height:1.7;overflow-x:hidden}

/* NAV */
nav{background:rgba(7,9,61,0.98);border-bottom:1px solid var(--border);padding:18px 40px;display:flex;align-items:center;justify-content:space-between;position:sticky;top:0;z-index:100}
.nav-logo{display:flex;align-items:center;gap:12px;text-decoration:none}
.nav-logo-icon{width:40px;height:40px;border:1px solid var(--gold);display:flex;align-items:center;justify-content:center;font-family:'Cormorant Garamond',serif;font-size:20px;color:var(--gold)}
.nav-brand{display:flex;flex-direction:column}
.nav-name{font-family:'Josefin Sans',sans-serif;font-weight:600;font-size:15px;letter-spacing:0.22em;color:var(--gold)}
.nav-tag{font-family:'Josefin Sans',sans-serif;font-weight:200;font-size:9px;letter-spacing:0.3em;color:var(--gold-dim)}
.nav-links{display:flex;gap:28px;list-style:none}
.nav-links a{font-family:'Josefin Sans',sans-serif;font-size:10px;font-weight:300;letter-spacing:0.2em;text-transform:uppercase;color:var(--text);text-decoration:none;transition:color 0.2s}
.nav-links a:hover{color:var(--gold)}
.nav-btn{font-family:'Josefin Sans',sans-serif;font-size:11px;font-weight:600;letter-spacing:0.2em;text-transform:uppercase;padding:11px 26px;background:var(--gold);color:var(--navy);border:none;cursor:pointer;text-decoration:none;transition:background 0.2s}
.nav-btn:hover{background:var(--gold-lite)}

/* HERO */
#hero{min-height:92vh;display:flex;align-items:center;justify-content:center;position:relative;overflow:hidden;padding:80px 40px 60px;text-align:center}
.hero-bg{position:absolute;inset:0;background:radial-gradient(ellipse 80% 60% at 50% 40%,rgba(201,168,76,0.07) 0%,transparent 70%)}
.hero-grid{position:absolute;inset:0;opacity:.04;background-image:linear-gradient(var(--gold) 1px,transparent 1px),linear-gradient(90deg,var(--gold) 1px,transparent 1px);background-size:60px 60px}
.hero-inner{position:relative;z-index:2;max-width:800px;margin:0 auto}
.hero-badge{display:inline-block;font-family:'Josefin Sans',sans-serif;font-size:10px;font-weight:300;letter-spacing:0.4em;text-transform:uppercase;color:var(--gold);border:1px solid var(--border);padding:8px 22px;margin-bottom:36px}
.hero-mark{font-family:'Cormorant Garamond',serif;font-size:clamp(80px,12vw,120px);font-weight:300;color:transparent;-webkit-text-stroke:1px var(--gold);line-height:1;margin-bottom:8px}
.hero-name{font-family:'Josefin Sans',sans-serif;font-size:clamp(26px,5vw,50px);font-weight:600;letter-spacing:0.3em;color:var(--gold);margin-bottom:16px}
.hero-tagline{font-family:'Josefin Sans',sans-serif;font-size:11px;font-weight:200;letter-spacing:0.4em;text-transform:uppercase;color:var(--gold-dim);margin-bottom:28px;display:flex;align-items:center;justify-content:center;gap:14px}
.hero-tagline::before,.hero-tagline::after{content:'';display:inline-block;width:28px;height:1px;background:var(--gold-dim)}
.hero-headline{font-family:'Cormorant Garamond',serif;font-size:clamp(20px,3vw,30px);font-weight:300;font-style:italic;color:var(--cream);max-width:600px;margin:0 auto 18px;line-height:1.5}
.hero-sub{font-size:16px;color:var(--text);max-width:540px;margin:0 auto 44px}
.hero-btns{display:flex;gap:16px;justify-content:center;flex-wrap:wrap}
.btn{display:inline-block;font-family:'Josefin Sans',sans-serif;font-weight:400;font-size:11px;letter-spacing:0.25em;text-transform:uppercase;padding:13px 32px;border:1px solid var(--gold);color:var(--gold);background:transparent;text-decoration:none;cursor:pointer;transition:background 0.3s,color 0.3s}
.btn:hover{background:var(--gold);color:var(--navy)}
.btn-fill{background:var(--gold);color:var(--navy);font-weight:600}
.btn-fill:hover{background:var(--gold-lite)}

/* STATS */
#stats{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-top:1px solid var(--border);border-bottom:1px solid var(--border);padding:44px 40px}
.stat{text-align:center;padding:0 10px;border-right:1px solid var(--border)}
.stat:last-child{border-right:none}
.stat-num{font-family:'Cormorant Garamond',serif;font-size:44px;font-weight:600;color:var(--gold);line-height:1}
.stat-lbl{font-family:'Josefin Sans',sans-serif;font-size:9px;letter-spacing:0.25em;text-transform:uppercase;color:var(--text);margin-top:7px}

/* SECTIONS */
section{padding:90px 40px}
.sec-hd{text-align:center;margin-bottom:64px}
.sec-label{font-family:'Josefin Sans',sans-serif;font-weight:300;font-size:10px;letter-spacing:0.35em;text-transform:uppercase;color:var(--gold)}
.divider{width:50px;height:1px;background:linear-gradient(90deg,transparent,var(--gold),transparent);margin:16px auto}
.sec-title{font-family:'Cormorant Garamond',serif;font-size:clamp(28px,4vw,48px);font-weight:600;color:var(--cream);line-height:1.2}

/* SERVICES */
#services{background:var(--navy-mid)}
.svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2px}
.svc{padding:44px 36px;border:1px solid var(--border);position:relative;overflow:hidden;transition:border-color 0.3s}
.svc:hover{border-color:var(--gold);background:rgba(201,168,76,0.04)}
.svc-num{font-family:'Cormorant Garamond',serif;font-size:54px;font-weight:300;color:transparent;-webkit-text-stroke:1px var(--border);line-height:1;margin-bottom:18px}
.svc:hover .svc-num{-webkit-text-stroke-color:var(--gold-dim)}
.svc-title{font-family:'Josefin Sans',sans-serif;font-size:13px;font-weight:600;letter-spacing:0.15em;text-transform:uppercase;color:var(--gold);margin-bottom:14px}
.svc-desc{font-size:15px;color:var(--text);line-height:1.7}

/* CALCULATOR */
#calculator{background:var(--navy)}
.calc-box{max-width:800px;margin:0 auto;border:1px solid var(--border);padding:56px}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;margin-bottom:36px}
.calc-field label{display:block;font-family:'Josefin Sans',sans-serif;font-size:9px;font-weight:300;letter-spacing:0.3em;text-transform:uppercase;color:var(--gold);margin-bottom:9px}
.calc-field input,.calc-field select{width:100%;background:rgba(201,168,76,0.04);border:1px solid var(--border);color:var(--cream);padding:13px 16px;font-family:'Cormorant Garamond',serif;font-size:18px;outline:none;transition:border-color 0.2s}
.calc-field input:focus,.calc-field select:focus{border-color:var(--gold)}
.calc-field select option{background:var(--navy-mid)}
.calc-result{background:rgba(201,168,76,0.06);border:1px solid var(--gold);padding:28px 36px;text-align:center;margin-bottom:24px}
.calc-lbl{font-family:'Josefin Sans',sans-serif;font-size:9px;letter-spacing:0.3em;text-transform:uppercase;color:var(--gold-dim);margin-bottom:9px}
.calc-num{font-family:'Cormorant Garamond',serif;font-size:52px;font-weight:600;color:var(--gold);line-height:1}
.calc-per{font-family:'Josefin Sans',sans-serif;font-size:10px;color:var(--text);margin-top:5px;letter-spacing:0.2em}
.calc-note{font-size:13px;color:var(--gold-dim);text-align:center;font-style:italic;margin-bottom:28px}

/* ABOUT */
#about{background:var(--navy-mid)}
.about-wrap{display:grid;grid-template-columns:1fr 1.4fr;gap:70px;align-items:center}
.about-img{aspect-ratio:3/4;background:linear-gradient(135deg,var(--navy-lite),var(--navy-mid));border:1px solid var(--border);display:flex;align-items:center;justify-content:center;flex-direction:column;gap:14px;position:relative}
.about-img::after{content:'';position:absolute;bottom:-14px;right:-14px;width:55%;height:55%;border:1px solid var(--border);z-index:-1}
.about-img-icon{font-size:72px;color:var(--border)}
.about-img-txt{font-family:'Josefin Sans',sans-serif;font-size:10px;letter-spacing:0.3em;text-transform:uppercase;color:var(--gold-dim)}
.badge{display:inline-flex;align-items:center;gap:12px;border:1px solid var(--border);padding:12px 22px;margin-bottom:26px}
.badge-dot{width:7px;height:7px;background:var(--gold);border-radius:50%}
.badge-txt{font-family:'Josefin Sans',sans-serif;font-size:9px;letter-spacing:0.25em;text-transform:uppercase;color:var(--gold)}
.about-name{font-family:'Cormorant Garamond',serif;font-size:clamp(28px,3vw,42px);font-weight:600;color:var(--cream);line-height:1.1;margin-bottom:7px}
.about-role{font-family:'Josefin Sans',sans-serif;font-size:10px;letter-spacing:0.25em;text-transform:uppercase;color:var(--gold-dim);margin-bottom:26px}
.about-bio{font-size:16px;color:var(--text);line-height:1.8;margin-bottom:26px}
.about-dets{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:32px}
.det{border-left:2px solid var(--gold-dim);padding-left:14px}
.det-lbl{font-family:'Josefin Sans',sans-serif;font-size:9px;letter-spacing:0.3em;text-transform:uppercase;color:var(--gold-dim)}
.det-val{font-family:'Cormorant Garamond',serif;font-size:17px;color:var(--cream)}

/* WHY */
#why{background:var(--navy)}
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:1px solid var(--border);overflow:hidden}
.why-item{padding:40px 36px;border-right:1px solid var(--border);border-bottom:1px solid var(--border);transition:background 0.3s}
.why-item:hover{background:rgba(201,168,76,0.04)}
.why-icon{font-size:28px;margin-bottom:16px;display:block}
.why-title{font-family:'Josefin Sans',sans-serif;font-size:12px;font-weight:600;letter-spacing:0.15em;text-transform:uppercase;color:var(--gold);margin-bottom:10px}
.why-desc{font-size:15px;color:var(--text);line-height:1.7}

/* PROCESS */
#process{background:var(--navy-mid)}
.process-wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative}
.process-wrap::before{content:'';position:absolute;top:35px;left:12%;right:12%;height:1px;background:linear-gradient(90deg,transparent,var(--gold-dim),var(--gold-dim),transparent)}
.step{text-align:center;padding:0 20px}
.step-num{width:70px;height:70px;border:1px solid var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 24px;font-family:'Cormorant Garamond',serif;font-size:26px;font-weight:600;color:var(--gold);background:var(--navy-mid);position:relative;z-index:1}
.step-title{font-family:'Josefin Sans',sans-serif;font-size:11px;font-weight:600;letter-spacing:0.15em;text-transform:uppercase;color:var(--cream);margin-bottom:10px}
.step-desc{font-size:14px;color:var(--text);line-height:1.6}

/* LENDERS */
#lenders{background:var(--navy)}
.lenders-intro{text-align:center;max-width:580px;margin:0 auto 52px;font-size:16px;color:var(--text)}
.lenders-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:2px}
.lender{border:1px solid var(--border);padding:24px 16px;text-align:center;font-family:'Josefin Sans',sans-serif;font-size:11px;font-weight:600;letter-spacing:0.1em;text-transform:uppercase;color:var(--text);transition:color 0.2s,border-color 0.2s}
.lender:hover{color:var(--gold);border-color:var(--gold)}

/* TESTIMONIALS */
#testimonials{background:var(--navy-mid)}
.testi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.testi{border:1px solid var(--border);padding:36px 32px}
.testi-q{font-family:'Cormorant Garamond',serif;font-size:54px;line-height:.8;color:var(--gold);opacity:.3;margin-bottom:14px}
.testi-stars{color:var(--gold);font-size:13px;margin-bottom:10px}
.testi-text{font-family:'Cormorant Garamond',serif;font-size:17px;font-style:italic;color:var(--cream);line-height:1.7;margin-bottom:20px}
.testi-author{font-family:'Josefin Sans',sans-serif;font-size:9px;letter-spacing:0.25em;text-transform:uppercase;color:var(--gold-dim)}

/* CONTACT */
#contact{background:var(--navy)}
.contact-wrap{display:grid;grid-template-columns:1fr 1.2fr;gap:70px}
.contact-info h3{font-family:'Cormorant Garamond',serif;font-size:34px;font-weight:600;color:var(--cream);margin-bottom:18px}
.contact-info p{font-size:16px;color:var(--text);margin-bottom:36px;line-height:1.8}
.c-items{display:flex;flex-direction:column;gap:22px}
.c-item{display:flex;gap:18px;align-items:flex-start}
.c-icon{width:42px;height:42px;flex-shrink:0;border:1px solid var(--border);display:flex;align-items:center;justify-content:center;font-size:17px;color:var(--gold)}
.c-lbl{font-family:'Josefin Sans',sans-serif;font-size:9px;letter-spacing:0.3em;text-transform:uppercase;color:var(--gold-dim);margin-bottom:3px}
.c-val{font-family:'Cormorant Garamond',serif;font-size:19px;color:var(--cream)}
.form{display:flex;flex-direction:column;gap:18px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.f-field label{display:block;font-family:'Josefin Sans',sans-serif;font-size:9px;font-weight:300;letter-spacing:0.3em;text-transform:uppercase;color:var(--gold-dim);margin-bottom:7px}
.f-field input,.f-field select,.f-field textarea{width:100%;background:rgba(201,168,76,0.04);border:1px solid var(--border);color:var(--cream);padding:13px 16px;font-family:'Cormorant Garamond',serif;font-size:17px;outline:none;transition:border-color 0.2s;resize:none}
.f-field input:focus,.f-field select:focus,.f-field textarea:focus{border-color:var(--gold)}
.f-field select option{background:var(--navy-mid)}

/* FOOTER */
footer{border-top:1px solid var(--border);padding:56px 40px 36px}
.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:50px;margin-bottom:50px}
.footer-brand p{font-size:14px;color:var(--text);line-height:1.8;margin-top:18px;max-width:280px}
.footer-col h4{font-family:'Josefin Sans',sans-serif;font-size:10px;font-weight:600;letter-spacing:0.3em;text-transform:uppercase;color:var(--gold);margin-bottom:18px}
.footer-col ul{list-style:none}
.footer-col ul li{margin-bottom:10px}
.footer-col ul li a{font-family:'Josefin Sans',sans-serif;font-size:11px;font-weight:300;letter-spacing:.1em;color:var(--text);text-decoration:none;transition:color 0.2s}
.footer-col ul li a:hover{color:var(--gold)}
.footer-bottom{border-top:1px solid var(--border);padding-top:28px;display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;align-items:flex-start}
.footer-legal{font-family:'Josefin Sans',sans-serif;font-size:9px;font-weight:300;letter-spacing:.05em;color:var(--gold-dim);max-width:720px;line-height:1.9}
.footer-copy{font-family:'Josefin Sans',sans-serif;font-size:9px;color:var(--gold-dim);white-space:nowrap;text-align:right}

/* SCROLL REVEAL - safe: content visible even if JS fails */
.reveal{opacity:1;transform:none;transition:opacity .7s ease,transform .7s ease}
.js .reveal{opacity:0;transform:translateY(24px)}
.js .reveal.visible{opacity:1;transform:none}

/* RESPONSIVE */
@media(max-width:860px){
  nav .nav-links,.nav-btn{display:none}
  section,#hero{padding:70px 24px}
  #stats{grid-template-columns:repeat(2,1fr);padding:36px 24px}
  .stat{border-right:none;border-bottom:1px solid var(--border)}
  .stat:nth-child(odd){border-right:1px solid var(--border)}
  .svc-grid,.why-grid,.testi-grid,.lenders-grid{grid-template-columns:1fr}
  .lenders-grid{grid-template-columns:repeat(3,1fr)}
  .calc-grid,.form-row{grid-template-columns:1fr}
  .calc-box{padding:32px 20px}
  .about-wrap,.contact-wrap{grid-template-columns:1fr;gap:40px}
  .process-wrap{grid-template-columns:repeat(2,1fr);row-gap:40px}
  .process-wrap::before{display:none}
  .footer-top{grid-template-columns:1fr 1fr;gap:36px}
}

/* ===== FULL PAGE RESPONSIVE FIX FOR GOOGLE SITES / MOBILE / DESKTOP ===== */
html, body {
  width: 100%;
  min-width: 0;
  min-height: 100%;
  margin: 0;
  padding: 0;
}

body {
  overflow-x: clip;
}

body > nav,
body > section,
body > div,
body > footer {
  width: 100%;
}

nav {
  width: 100%;
  max-width: 100%;
  padding: clamp(12px, 2.2vw, 22px) clamp(16px, 4vw, 48px);
  gap: 18px;
}

.nav-brand,
.nav-name,
.nav-tag {
  min-width: 0;
}

#hero {
  width: 100%;
  min-height: calc(100svh - 76px);
  padding: clamp(48px, 8vw, 96px) clamp(16px, 5vw, 64px);
}

.hero-inner,
.sec-hd,
.svc-grid,
.calc-box,
.about-wrap,
.why-grid,
.process-wrap,
.lenders-intro,
.lenders-grid,
.testi-grid,
.contact-wrap,
.footer-top,
.footer-bottom {
  width: min(100%, 1180px);
  margin-left: auto;
  margin-right: auto;
}

.hero-inner {
  max-width: 860px;
}

.hero-name {
  word-break: normal;
  overflow-wrap: anywhere;
}

.hero-tagline {
  flex-wrap: wrap;
}

section {
  width: 100%;
  padding: clamp(58px, 8vw, 96px) clamp(16px, 5vw, 48px);
}

#stats {
  width: 100%;
  padding: clamp(28px, 5vw, 48px) clamp(16px, 5vw, 48px);
}

.about-img {
  width: 100%;
  max-width: 420px;
  margin: 0 auto;
  overflow: hidden;
}

.about-img.profile-loaded {
  background: transparent;
}

.profile-photo {
  width: 100%;
  height: 100%;
  min-height: 420px;
  object-fit: cover;
  display: block;
}

.photo-fallback {
  width: 100%;
  min-height: 420px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-direction: column;
}

/* Better embedded view in Google Sites */
@media (min-width: 861px) {
  .svc-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .why-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .testi-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .lenders-grid {
    grid-template-columns: repeat(5, minmax(0, 1fr));
  }
}

@media (max-width: 860px) {
  nav {
    position: relative;
    padding: 14px 16px;
  }

  .nav-logo-icon {
    width: 36px;
    height: 36px;
  }

  .nav-name {
    font-size: 13px;
    letter-spacing: 0.16em;
  }

  .nav-tag {
    font-size: 8px;
    letter-spacing: 0.22em;
  }

  #hero {
    min-height: auto;
    padding-top: 56px;
    padding-bottom: 56px;
  }

  .hero-badge {
    max-width: 100%;
    font-size: 8px;
    letter-spacing: 0.22em;
    line-height: 1.8;
    padding: 8px 14px;
    margin-bottom: 26px;
  }

  .hero-mark {
    font-size: clamp(58px, 22vw, 92px);
  }

  .hero-name {
    font-size: clamp(24px, 8vw, 38px);
    letter-spacing: 0.18em;
  }

  .hero-tagline {
    font-size: 9px;
    letter-spacing: 0.24em;
    gap: 8px;
  }

  .hero-tagline::before,
  .hero-tagline::after {
    width: 18px;
  }

  .hero-sub {
    font-size: 15px;
  }

  .btn {
    width: 100%;
    max-width: 340px;
    text-align: center;
    padding: 13px 18px;
  }

  #stats {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .stat {
    padding: 22px 10px;
  }

  .stat-num {
    font-size: 34px;
  }

  .svc,
  .why-item,
  .testi {
    padding: 30px 22px;
  }

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

  .profile-photo,
  .photo-fallback {
    min-height: 360px;
  }

  .lenders-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .process-wrap {
    grid-template-columns: 1fr;
  }

  .footer-top {
    grid-template-columns: 1fr;
  }

  .footer-copy {
    width: 100%;
    text-align: left;
    white-space: normal;
  }
}

@media (max-width: 420px) {
  .hero-name {
    letter-spacing: 0.12em;
  }

  .calc-num {
    font-size: 40px;
  }

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



/* ===== FINAL SAFE FIXES: FULL WIDTH + NAVIGATION + NO BLANK SECTIONS ===== */
html{
  scroll-behavior:smooth;
  scroll-padding-top:90px;
}
html,body{
  width:100%;
  min-width:0;
  margin:0;
  padding:0;
  overflow-x:hidden;
}
a{text-decoration:none}
body > nav, body > section, body > div, body > footer{
  width:100%;
  max-width:100%;
}
section{
  width:100%;
  padding:clamp(58px,8vw,96px) clamp(16px,5vw,48px);
}
#hero{
  width:100%;
  min-height:calc(100svh - 76px);
  padding:clamp(56px,8vw,100px) clamp(16px,5vw,64px);
}
.sec-hd,.svc-grid,.calc-box,.about-wrap,.why-grid,.process-wrap,.lenders-intro,.lenders-grid,.testi-grid,.contact-wrap,.footer-top,.footer-bottom{
  width:min(100%,1180px);
  margin-left:auto;
  margin-right:auto;
}
.hero-inner{width:min(100%,860px);max-width:860px;margin:0 auto}

/* Links styled like premium nav */
.nav-links a{
  font-family:'Josefin Sans',sans-serif !important;
  font-size:11px !important;
  font-weight:300 !important;
  letter-spacing:.28em !important;
  text-transform:uppercase !important;
  color:#d8d8e8 !important;
  background:transparent !important;
  border:none !important;
  cursor:pointer !important;
  text-decoration:none !important;
  transition:all .25s ease !important;
  opacity:.95 !important;
  outline:none !important;
}
.nav-links a:hover{
  color:#C9A84C !important;
  opacity:1 !important;
}
.nav-logo{text-decoration:none !important}
.nav-btn{
  display:inline-block !important;
  font-family:'Josefin Sans',sans-serif !important;
  font-size:11px !important;
  font-weight:600 !important;
  letter-spacing:.2em !important;
  text-transform:uppercase !important;
  padding:11px 26px !important;
  background:var(--gold) !important;
  color:var(--navy) !important;
  border:1px solid var(--gold) !important;
  cursor:pointer !important;
  text-decoration:none !important;
  transition:background .2s ease,color .2s ease !important;
  white-space:nowrap !important;
}
.nav-btn:hover{background:var(--gold-lite) !important;color:var(--navy) !important}

.btn,a.btn{
  position:relative;
  z-index:10;
  pointer-events:auto !important;
  display:inline-block !important;
  text-decoration:none !important;
}
.btn:hover,a.btn:hover{text-decoration:none !important}

.mobile-quick-nav{display:none}
@media(max-width:860px){
  .mobile-quick-nav{
    display:grid;
    grid-template-columns:repeat(4,minmax(0,1fr));
    gap:1px;
    background:var(--border);
    position:sticky;
    top:0;
    z-index:999;
  }
  .mobile-quick-nav a{
    display:flex;
    align-items:center;
    justify-content:center;
    font-family:'Josefin Sans',sans-serif !important;
    font-size:9px !important;
    letter-spacing:.12em !important;
    text-transform:uppercase !important;
    color:var(--gold) !important;
    background:var(--navy-mid) !important;
    padding:10px 4px;
    text-decoration:none !important;
  }
  .nav-links,.nav-btn{display:none !important}
  #hero{min-height:auto;padding-top:56px;padding-bottom:56px}
  .btn,a.btn{width:100%;max-width:340px;text-align:center;padding:13px 18px}
  .svc-grid,.why-grid,.testi-grid,.calc-grid,.form-row,.about-wrap,.contact-wrap,.footer-top{grid-template-columns:1fr}
  .lenders-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .process-wrap{grid-template-columns:1fr;row-gap:40px}
  .process-wrap::before{display:none}
}
@media(max-width:420px){
  .lenders-grid{grid-template-columns:1fr}
}