.elementor-545 .elementor-element.elementor-element-0a09939{--display:flex;}/* Start custom CSS for html, class: .elementor-element-77c79aa */:root {
  --primary: #050505;
  --secondary: #1b1b1b;
  --accent: #bd8712;
  --accent-dark: #9f700b;
  --accent-light: #f4dd70;
  --cream: #fff9ea;
  --soft-cream: #fdf8ed;
  --white: #ffffff;
  --text: #111111;
  --muted: #5f6b7a;
  --border: rgba(189, 135, 18, 0.18);
  --soft-border: rgba(17, 17, 17, 0.08);
  --shadow: 0 28px 70px rgba(20, 20, 20, 0.12);
  --gold-shadow: 0 16px 36px rgba(189, 135, 18, 0.2);
  --radius: 26px;
}

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

html {
  scroll-behavior: auto;
}

body {
  font-family: Arial, Helvetica, sans-serif;
  background: var(--white);
  color: var(--text);
  line-height: 1.7;
}

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

a {
  color: inherit;
  text-decoration: none;
}

.container {
  width: min(1180px, 92%);
  margin: 0 auto;
}

/* Hero Section */

.terms-hero {
  position: relative;
  overflow: hidden;
  padding: 110px 0 90px;
  background:
    radial-gradient(circle at 6% 8%, rgba(244, 221, 112, 0.34), transparent 24%),
    radial-gradient(circle at 92% 12%, rgba(189, 135, 18, 0.14), transparent 26%),
    linear-gradient(135deg, #ffffff 0%, #fffdf8 48%, #fff7e5 100%);
  color: var(--text);
}

.terms-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(255, 255, 255, 0.82), rgba(255, 255, 255, 0.55)),
    radial-gradient(circle at 50% 95%, rgba(189, 135, 18, 0.08), transparent 30%);
  pointer-events: none;
}

.hero-content {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 42px;
  align-items: center;
}

.eyebrow {
  display: inline-block;
  margin-bottom: 14px;
  padding: 8px 16px;
  border-radius: 999px;
  background: rgba(189, 135, 18, 0.11);
  color: var(--accent);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 3px;
  text-transform: uppercase;
}

.hero-text h1 {
  max-width: 760px;
  margin-bottom: 24px;
  color: var(--primary);
  font-size: clamp(42px, 6vw, 76px);
  line-height: 1.05;
  letter-spacing: -2px;
}

.hero-text h1 span {
  display: block;
  color: var(--accent);
}

.hero-text p {
  max-width: 700px;
  color: var(--muted);
  font-size: 18px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-top: 34px;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 56px;
  padding: 14px 28px;
  border-radius: 999px;
  font-weight: 800;
  line-height: 1.2;
  border: 1px solid transparent;
}

.btn-primary {
  background: linear-gradient(135deg, #d9a51e, #f4dd70);
  color: #070707;
  box-shadow: 0 16px 36px rgba(189, 135, 18, 0.22);
}

.btn-secondary {
  background: rgba(255, 255, 255, 0.86);
  color: var(--primary);
  border-color: rgba(17, 17, 17, 0.1);
  box-shadow: 0 12px 30px rgba(20, 20, 20, 0.08);
}

/* Hero Card */

.hero-card {
  position: relative;
  padding: 36px;
  border: 10px solid rgba(255, 255, 255, 0.92);
  border-radius: 34px;
  background:
    linear-gradient(145deg, rgba(255, 255, 255, 0.98), rgba(255, 248, 232, 0.94));
  box-shadow:
    0 30px 70px rgba(20, 20, 20, 0.14),
    inset 0 1px 0 rgba(255, 255, 255, 0.95);
  overflow: hidden;
}

.hero-card::before {
  content: "";
  position: absolute;
  width: 160px;
  height: 160px;
  right: -48px;
  top: -48px;
  border-radius: 50%;
  background: rgba(244, 221, 112, 0.4);
}

.card-label {
  position: relative;
  display: inline-block;
  margin-bottom: 18px;
  padding: 8px 14px;
  border-radius: 999px;
  background: rgba(189, 135, 18, 0.12);
  color: var(--accent);
  font-size: 13px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1px;
}

.hero-card h2 {
  position: relative;
  margin-bottom: 14px;
  color: var(--accent);
  font-size: 30px;
  line-height: 1.2;
}

.hero-card p {
  position: relative;
  margin-bottom: 18px;
  color: var(--muted);
}

.hero-card strong {
  position: relative;
  display: block;
  color: var(--primary);
}

/* Intro Section */

.intro-section {
  padding: 70px 0 20px;
  background: var(--white);
}

.intro-box {
  max-width: 920px;
  padding: 38px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background:
    radial-gradient(circle at 100% 0%, rgba(244, 221, 112, 0.28), transparent 28%),
    linear-gradient(145deg, rgba(255, 255, 255, 0.98), rgba(255, 248, 232, 0.78));
  box-shadow: 0 20px 54px rgba(20, 20, 20, 0.08);
}

.intro-box h2 {
  margin-bottom: 14px;
  color: var(--primary);
  font-size: clamp(30px, 4vw, 46px);
  line-height: 1.1;
  letter-spacing: -1px;
}

.intro-box p {
  color: var(--muted);
  font-size: 17px;
}

/* Terms Section */

.terms-section {
  padding: 80px 0 90px;
  background:
    radial-gradient(circle at 10% 18%, rgba(244, 221, 112, 0.22), transparent 24%),
    radial-gradient(circle at 90% 12%, rgba(189, 135, 18, 0.1), transparent 28%),
    linear-gradient(180deg, #ffffff 0%, #fffaf0 100%);
}

.section-heading {
  max-width: 760px;
  margin-bottom: 46px;
}

.section-heading h2 {
  margin-bottom: 16px;
  color: var(--primary);
  font-size: clamp(34px, 4vw, 54px);
  line-height: 1.1;
  letter-spacing: -1px;
}

.section-heading p {
  color: var(--muted);
  font-size: 17px;
}

/* Terms Grid */

.terms-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

/* Mortgage Term Card */

.term-card {
  position: relative;
  min-height: 260px;
  padding: 28px;
  border-radius: var(--radius);
  background:
    linear-gradient(145deg, #ffffff 0%, #fffdf8 55%, #fdf8ed 100%);
  border: 1px solid rgba(189, 135, 18, 0.12);
  box-shadow:
    0 16px 40px rgba(20, 20, 20, 0.08),
    0 4px 12px rgba(189, 135, 18, 0.05),
    inset 0 1px 0 rgba(255, 255, 255, 0.95);
  overflow: hidden;
  isolation: isolate;
  transition:
    box-shadow 0.3s ease,
    border-color 0.3s ease,
    background 0.3s ease;
}

/* Top Right Gold Glow Shape */

.term-card::before {
  content: "";
  position: absolute;
  top: -34px;
  right: -34px;
  width: 125px;
  height: 125px;
  border-radius: 50%;
  background: rgba(244, 221, 112, 0.42);
  z-index: 0;
  transition:
    background 0.3s ease,
    opacity 0.3s ease;
}

/* Bottom Gold Line */

.term-card::after {
  content: "";
  position: absolute;
  left: 26px;
  bottom: 0;
  width: 78px;
  height: 5px;
  border-radius: 999px;
  background: linear-gradient(90deg, #b8840d, #efd764);
  box-shadow: 0 2px 8px rgba(189, 135, 18, 0.18);
  transition:
    width 0.3s ease,
    box-shadow 0.3s ease;
}

/* Number Box */

.term-icon {
  position: relative;
  z-index: 1;
  width: 56px;
  height: 56px;
  margin-bottom: 22px;
  display: grid;
  place-items: center;
  border-radius: 18px;
  background: linear-gradient(135deg, #b8840d 0%, #f4dd70 100%);
  color: #111111;
  font-weight: 900;
  font-size: 22px;
  box-shadow:
    0 10px 22px rgba(189, 135, 18, 0.22),
    inset 0 1px 0 rgba(255, 255, 255, 0.45);
}

/* Card Text */

.term-card h3 {
  position: relative;
  z-index: 1;
  margin-bottom: 12px;
  color: var(--primary);
  font-size: 21px;
  line-height: 1.25;
}

.term-card p {
  position: relative;
  z-index: 1;
  color: #7b8494;
  font-size: 15px;
  line-height: 1.8;
}

/* Card Effect Without Rotation */

@media (hover: hover) and (pointer: fine) {
  .term-card:hover {
    border-color: rgba(189, 135, 18, 0.24);
    background:
      linear-gradient(145deg, #ffffff 0%, #fffefb 50%, #fdf7eb 100%);
    box-shadow:
      0 22px 55px rgba(20, 20, 20, 0.10),
      0 8px 20px rgba(189, 135, 18, 0.10),
      inset 0 1px 0 rgba(255, 255, 255, 1);
  }

  .term-card:hover::before {
    background: rgba(244, 221, 112, 0.55);
  }

  .term-card:hover::after {
    width: 145px;
    box-shadow: 0 4px 12px rgba(189, 135, 18, 0.24);
  }

  .term-card:hover .term-icon {
    box-shadow:
      0 14px 30px rgba(189, 135, 18, 0.3),
      inset 0 1px 0 rgba(255, 255, 255, 0.5);
  }
}

/* FAQ Section */

.faq-section {
  padding: 90px 0;
  background: #ffffff;
}

.faq-list {
  display: grid;
  gap: 18px;
  max-width: 900px;
}

.faq-list details {
  border: 1px solid var(--border);
  border-radius: 22px;
  background:
    linear-gradient(145deg, rgba(255, 255, 255, 0.98), rgba(255, 248, 232, 0.78));
  box-shadow: 0 14px 32px rgba(20, 20, 20, 0.06);
  overflow: hidden;
}

.faq-list summary {
  cursor: pointer;
  padding: 22px 26px;
  color: var(--primary);
  font-size: 18px;
  font-weight: 800;
  list-style: none;
}

.faq-list summary::-webkit-details-marker {
  display: none;
}

.faq-list summary::after {
  content: "+";
  float: right;
  color: var(--accent);
  font-size: 24px;
  line-height: 1;
}

.faq-list details[open] summary::after {
  content: "−";
}

.faq-list details p {
  padding: 0 26px 24px;
  color: var(--muted);
}

/* CTA Section */

.cta-section {
  padding: 90px 0;
  background:
    radial-gradient(circle at 10% 20%, rgba(244, 221, 112, 0.22), transparent 24%),
    linear-gradient(135deg, #ffffff, #fff7e5);
}

.cta-box {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 32px;
  align-items: center;
  padding: 42px;
  border-radius: var(--radius);
  background:
    radial-gradient(circle at 100% 0%, rgba(244, 221, 112, 0.32), transparent 28%),
    linear-gradient(135deg, #111111, #2a210f);
  color: var(--white);
  box-shadow: var(--shadow);
}

.cta-box h2 {
  margin-bottom: 14px;
  color: var(--accent-light);
  font-size: clamp(30px, 4vw, 48px);
  line-height: 1.1;
}

.cta-box p {
  max-width: 760px;
  color: rgba(255, 255, 255, 0.8);
}

.cta-box .eyebrow {
  background: rgba(244, 221, 112, 0.12);
  color: var(--accent-light);
}

/* Disclaimer */

.disclaimer-section {
  padding: 0 0 90px;
  background: #fffaf0;
}

.terms-warning {
  position: relative;
  padding: 36px;
  border-radius: var(--radius);
  background:
    radial-gradient(circle at 95% 0%, rgba(244, 221, 112, 0.42), transparent 30%),
    linear-gradient(135deg, #111111, #2a210f);
  color: var(--white);
  box-shadow: var(--shadow);
  overflow: hidden;
}

.terms-warning::before {
  content: "";
  position: absolute;
  width: 280px;
  height: 280px;
  right: -110px;
  top: -110px;
  border-radius: 50%;
  background: rgba(244, 221, 112, 0.2);
}

.terms-warning h2 {
  position: relative;
  margin-bottom: 12px;
  color: var(--accent-light);
  font-size: 28px;
}

.terms-warning p,
.terms-warning strong {
  position: relative;
  display: block;
  max-width: 950px;
}

.terms-warning p {
  margin-bottom: 16px;
  color: rgba(255, 255, 255, 0.8);
}

.terms-warning strong {
  color: var(--white);
}

/* Accessibility */

.btn:focus,
.faq-list summary:focus {
  outline: 3px solid rgba(189, 135, 18, 0.35);
  outline-offset: 4px;
}

/* Responsive */

@media (max-width: 1100px) {
  .terms-grid {
    grid-template-columns: repeat(3, 1fr);
  }

  .cta-box {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 860px) {
  .terms-hero {
    padding: 90px 0 70px;
  }

  .hero-content {
    grid-template-columns: 1fr;
  }

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

  .hero-actions {
    align-items: stretch;
  }

  .btn {
    width: 100%;
  }
}

@media (max-width: 560px) {
  .terms-hero {
    padding: 76px 0 56px;
  }

  .hero-text h1 {
    font-size: 42px;
    letter-spacing: -1px;
  }

  .hero-text p,
  .section-heading p,
  .intro-box p {
    font-size: 16px;
  }

  .hero-card,
  .intro-box,
  .term-card,
  .cta-box,
  .terms-warning {
    border-radius: 20px;
  }

  .hero-card,
  .intro-box,
  .cta-box,
  .terms-warning {
    padding: 28px;
  }

  .terms-section,
  .faq-section,
  .cta-section {
    padding: 60px 0;
  }

  .disclaimer-section {
    padding-bottom: 60px;
  }

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

  .term-card {
    min-height: auto;
  }

  .term-card::before {
    width: 115px;
    height: 115px;
    top: -32px;
    right: -32px;
  }

  .term-card::after {
    width: 80px;
  }

  .eyebrow {
    font-size: 11px;
    letter-spacing: 2px;
  }
}/* End custom CSS */