/*
 * home-redesign.css
 * ------------------
 * Scoped stylesheet for the OurLoanPro homepage redesign PREVIEW.
 * Ports the visual direction of Jesse's Lovable mock
 * (https://ouloanpro.lovable.app/) into our Express/EJS stack.
 *
 * Design language:
 *   - Headlines: DM Serif Display (key words italic + green accent)
 *   - Body:      Inter
 *   - Palette:   green accent, dark navy, near-white surface, muted gray
 *
 * Everything here is namespaced under .olp so it can never collide with
 * the global public/css/styles.css. The preview view loads ONLY this file.
 */

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

.olp {
  /* Brand tokens — exact oklch values lifted from the Lovable build.
     Hex fallbacks noted in comments for reference. */
  --brand-accent: oklch(62% 0.14 158);      /* ~#4c9d70 green */
  --brand-accent-soft: oklch(62% 0.14 158 / 0.10);
  --brand-deep: oklch(22% 0.04 260);        /* ~#1d2333 navy */
  --brand-muted: oklch(56% 0.025 256);      /* ~#767d8b gray */
  --brand-surface: oklch(97.8% 0.005 250);  /* ~#f7f8fa near-white */
  --brand-line: color-mix(in oklch, var(--brand-deep) 8%, transparent);

  --font-serif: "DM Serif Display", Georgia, "Times New Roman", serif;
  --font-sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;

  --wrap: 80rem;   /* max-w-7xl */

  margin: 0;
  font-family: var(--font-sans);
  color: var(--brand-deep);
  background: #fff;
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
}

/* :where() keeps this baseline at zero-ish specificity so component color
   rules below (buttons, nav-join, rate links) always win the tie. */
.olp :where(a) { color: inherit; text-decoration: none; }
.olp img { max-width: 100%; display: block; }
.olp h1, .olp h2, .olp h3 { margin: 0; font-weight: 400; }
.olp p { margin: 0; }

.olp__wrap {
  max-width: var(--wrap);
  margin: 0 auto;
  padding-inline: 1.5rem;
}
@media (min-width: 1024px) { .olp__wrap { padding-inline: 2rem; } }

/* Shared type helpers ----------------------------------------------------- */
.olp__eyebrow {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: var(--brand-accent);
}
.olp__serif { font-family: var(--font-serif); line-height: 1.05; }
.olp__italic-accent { font-style: italic; color: var(--brand-accent); }

/* Live pulse dot ---------------------------------------------------------- */
.olp__pulse {
  position: relative;
  display: inline-flex;
  height: 0.5rem;
  width: 0.5rem;
}
.olp__pulse::before {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: 9999px;
  background: var(--brand-accent);
  opacity: 0.75;
  animation: olp-ping 1.4s cubic-bezier(0, 0, 0.2, 1) infinite;
}
.olp__pulse::after {
  content: "";
  position: relative;
  display: inline-flex;
  height: 0.5rem;
  width: 0.5rem;
  border-radius: 9999px;
  background: var(--brand-accent);
}
@keyframes olp-ping {
  75%, 100% { transform: scale(2); opacity: 0; }
}
@media (prefers-reduced-motion: reduce) {
  .olp__pulse::before { animation: none; }
}

/* Buttons ----------------------------------------------------------------- */
.olp__btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  border-radius: 0.5rem;
  padding: 1rem 2rem;
  transition: transform 0.15s ease, background-color 0.15s ease, color 0.15s ease;
  cursor: pointer;
}
.olp__btn:hover { transform: translateY(-2px); }
.olp__btn--primary {
  background: var(--brand-accent);
  color: #fff;
  box-shadow: 0 20px 25px -5px var(--brand-accent-soft);
}
.olp__btn--outline {
  border: 2px solid var(--brand-deep);
  color: var(--brand-deep);
}
.olp__btn--outline:hover { background: var(--brand-surface); }
.olp__btn--white { background: #fff; color: var(--brand-deep); }

/* Header ------------------------------------------------------------------ */
.olp__header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: color-mix(in srgb, #fff 90%, transparent);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--brand-line);
}
.olp__nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 1rem 1.5rem;
}
@media (min-width: 1024px) { .olp__nav { padding-inline: 2rem; } }
.olp__logo img { height: 2.75rem; width: auto; }
.olp__nav-links {
  display: none;
  align-items: center;
  gap: 2rem;
  font-size: 0.75rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: var(--brand-muted);
}
@media (min-width: 900px) { .olp__nav-links { display: flex; } }
.olp__nav-links a:hover { color: var(--brand-accent); }
.olp__nav-links a.is-active { color: var(--brand-deep); }
.olp__nav-cta { display: flex; align-items: center; gap: 0.75rem; }
.olp__nav-login {
  display: none;
  padding: 0.625rem 1.25rem;
  border: 1px solid color-mix(in oklch, var(--brand-deep) 15%, transparent);
  color: var(--brand-deep);
  font-size: 0.875rem;
  font-weight: 600;
  border-radius: 9999px;
  transition: background-color 0.15s ease;
}
.olp__nav-login:hover { background: var(--brand-surface); }
@media (min-width: 640px) { .olp__nav-login { display: inline-flex; } }
.olp__nav-join {
  padding: 0.625rem 1.25rem;
  background: var(--brand-deep);
  color: #fff;
  font-size: 0.875rem;
  font-weight: 600;
  border-radius: 9999px;
  transition: background-color 0.15s ease;
}
.olp__nav-join:hover { background: var(--brand-accent); }

/* Hero -------------------------------------------------------------------- */
.olp__hero {
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 2rem 1.5rem 6rem;
  display: grid;
  gap: 4rem;
  align-items: center;
}
@media (min-width: 1024px) {
  .olp__hero { grid-template-columns: 1fr 1fr; padding-inline: 2rem; }
}
.olp__hero-copy { display: flex; flex-direction: column; gap: 2rem; }
.olp__badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  align-self: flex-start;
  padding: 0.25rem 0.75rem;
  border-radius: 9999px;
  background: var(--brand-accent-soft);
  color: var(--brand-accent);
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.15em;
}
.olp__hero h1 {
  font-family: var(--font-serif);
  font-size: clamp(2.75rem, 6vw, 4.5rem);
  line-height: 1.05;
  color: var(--brand-deep);
}
.olp__hero-sub {
  font-size: 1.125rem;
  color: var(--brand-muted);
  max-width: 36rem;
}
.olp__hero-actions { display: flex; flex-direction: column; gap: 1rem; }
@media (min-width: 640px) { .olp__hero-actions { flex-direction: row; } }

/* Hero right-hand panel (navy card in place of the mock's video) */
.olp__hero-panel { position: relative; }
.olp__hero-visual {
  position: relative;
  width: 100%;
  aspect-ratio: 4 / 5;
  border-radius: 1.5rem;
  overflow: hidden;
  background:
    radial-gradient(120% 90% at 80% 10%, color-mix(in oklch, var(--brand-accent) 35%, transparent), transparent 60%),
    var(--brand-deep);
  box-shadow: inset 0 0 0 1px rgba(0, 0, 0, 0.05);
  display: flex;
  align-items: flex-end;
}
/* Hero image fills the panel; object-fit crops to the 4:5 panel shape */
.olp__hero-video {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  z-index: 0;
}
/* Gradient scrim so the concierge caption stays legible over the footage */
.olp__hero-overlay {
  position: absolute;
  inset: 0;
  z-index: 1;
  background: linear-gradient(
    to top,
    color-mix(in oklch, var(--brand-deep) 85%, transparent),
    color-mix(in oklch, var(--brand-deep) 20%, transparent) 45%,
    transparent
  );
}
.olp__hero-visual-inner { position: relative; z-index: 2; padding: 2rem; }
@media (min-width: 1024px) { .olp__hero-visual-inner { padding: 2.5rem; } }
.olp__hero-visual .olp__eyebrow {
  letter-spacing: 0.25em;
  color: var(--brand-accent);
  margin-bottom: 0.75rem;
}
.olp__hero-visual-headline {
  font-family: var(--font-serif);
  font-size: clamp(1.5rem, 3vw, 1.875rem);
  line-height: 1.3;
  color: #fff;
}
.olp__hero-float {
  display: none;
  position: absolute;
  bottom: -2.5rem;
  right: -1.5rem;
  background: #fff;
  padding: 1.5rem;
  border-radius: 1rem;
  box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.25);
  border: 1px solid var(--brand-surface);
  max-width: 18rem;
}
@media (min-width: 1024px) { .olp__hero-float { display: block; } }
.olp__hero-float-row { display: flex; gap: 1rem; align-items: center; margin-bottom: 0.75rem; }
.olp__hero-float-coin {
  width: 3rem;
  height: 3rem;
  border-radius: 9999px;
  background: var(--brand-accent-soft);
  color: var(--brand-accent);
  display: grid;
  place-items: center;
  font-family: var(--font-serif);
  font-size: 1.25rem;
}
.olp__hero-float-label {
  font-size: 0.625rem;
  color: var(--brand-muted);
  text-transform: uppercase;
  font-weight: 700;
  letter-spacing: 0.15em;
}
.olp__hero-float-value { font-family: var(--font-serif); font-size: 1.5rem; color: var(--brand-deep); }
.olp__hero-float-bar { height: 0.375rem; width: 100%; background: var(--brand-surface); border-radius: 9999px; overflow: hidden; }
.olp__hero-float-bar span { display: block; height: 100%; width: 75%; background: var(--brand-accent); }

/* Rates section ----------------------------------------------------------- */
.olp__rates { max-width: var(--wrap); margin: 0 auto; padding: 6rem 1.5rem; }
@media (min-width: 1024px) { .olp__rates { padding-inline: 2rem; } }
.olp__rates-head {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1.5rem;
  margin-bottom: 3rem;
}
.olp__rates-head-copy { max-width: 42rem; }
.olp__rates-head h2 {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 4vw, 3rem);
  line-height: 1.15;
  color: var(--brand-deep);
  margin-top: 0.75rem;
}
.olp__rates-head p { color: var(--brand-muted); margin-top: 1rem; }
.olp__rates-updated {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.625rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: var(--brand-muted);
}

/* Promo banner */
.olp__promo {
  position: relative;
  overflow: hidden;
  border-radius: 1rem;
  background: linear-gradient(to right, var(--brand-deep), var(--brand-accent));
  color: #fff;
  padding: 1.5rem;
  margin-bottom: 2rem;
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
  justify-content: space-between;
}
@media (min-width: 1024px) { .olp__promo { flex-direction: row; align-items: center; padding: 2rem; } }
.olp__promo-body { display: flex; align-items: flex-start; gap: 1rem; }
.olp__promo-icon {
  width: 3rem;
  height: 3rem;
  border-radius: 0.75rem;
  background: rgba(255, 255, 255, 0.15);
  display: grid;
  place-items: center;
  flex-shrink: 0;
  font-size: 1.25rem;
}
.olp__promo-eyebrow {
  font-size: 0.625rem;
  text-transform: uppercase;
  letter-spacing: 0.25em;
  font-weight: 700;
  color: rgba(255, 255, 255, 0.8);
  margin-bottom: 0.25rem;
}
.olp__promo-headline { font-family: var(--font-serif); font-size: clamp(1.5rem, 3vw, 1.875rem); line-height: 1.3; }
.olp__promo-note { color: rgba(255, 255, 255, 0.8); font-size: 0.875rem; margin-top: 0.5rem; max-width: 36rem; }

/* Rate cards */
.olp__rate-grid { display: grid; gap: 1rem; }
@media (min-width: 768px) { .olp__rate-grid { grid-template-columns: repeat(3, 1fr); } }
.olp__rate-card {
  padding: 2rem;
  border-radius: 1rem;
  border: 1px solid var(--brand-line);
  background: #fff;
  display: flex;
  flex-direction: column;
}
.olp__rate-card--featured {
  border-color: var(--brand-accent);
  background: color-mix(in oklch, var(--brand-accent) 5%, #fff);
  box-shadow: inset 0 0 0 1px color-mix(in oklch, var(--brand-accent) 30%, transparent);
}
.olp__rate-card-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 2rem;
}
.olp__rate-icon {
  width: 3rem;
  height: 3rem;
  border-radius: 0.75rem;
  background: var(--brand-accent-soft);
  color: var(--brand-accent);
  display: grid;
  place-items: center;
}
.olp__rate-tag {
  font-size: 0.625rem;
  text-transform: uppercase;
  font-weight: 700;
  letter-spacing: 0.15em;
  color: var(--brand-accent);
  background: #fff;
  padding: 0.25rem 0.5rem;
  border-radius: 9999px;
}
.olp__rate-term { font-size: 0.75rem; text-transform: uppercase; font-weight: 700; letter-spacing: 0.15em; color: var(--brand-muted); }
.olp__rate-value { font-family: var(--font-serif); font-size: 3rem; color: var(--brand-deep); margin-top: 0.75rem; }
.olp__rate-apr { font-size: 0.875rem; color: var(--brand-muted); margin-top: 0.25rem; }
.olp__rate-desc { font-size: 0.875rem; color: color-mix(in oklch, var(--brand-deep) 70%, transparent); margin-top: 1rem; }
.olp__rate-link {
  margin-top: 1.5rem;
  display: inline-flex;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  font-weight: 700;
  color: var(--brand-accent);
  transition: color 0.15s ease;
}
.olp__rate-link:hover { color: var(--brand-deep); }
.olp__rates-disclaimer { font-size: 0.6875rem; color: var(--brand-muted); margin-top: 1.5rem; max-width: 48rem; }

/* Generic section scaffolding -------------------------------------------- */
.olp__section { padding: 5rem 1.5rem; }
@media (min-width: 1024px) { .olp__section { padding-inline: 2rem; } }
.olp__section--surface { background: var(--brand-surface); }
.olp__section--deep { background: var(--brand-deep); color: #fff; }
.olp__section-inner { max-width: var(--wrap); margin: 0 auto; }
.olp__section-head {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 2.5rem;
}
.olp__section-head h2 {
  font-family: var(--font-serif);
  font-size: clamp(1.75rem, 4vw, 3rem);
  line-height: 1.15;
  color: var(--brand-deep);
  max-width: 36rem;
}
.olp__section--deep .olp__section-head h2 { color: #fff; }
.olp__section-head .olp__eyebrow { display: block; margin-bottom: 0.75rem; }
.olp__section-note {
  font-size: 0.75rem;
  color: var(--brand-muted);
  text-transform: uppercase;
  font-weight: 700;
  letter-spacing: 0.15em;
}
.olp__section-sub { color: var(--brand-muted); margin-top: 1rem; max-width: 34rem; }
.olp__section--deep .olp__section-sub { color: rgba(255,255,255,0.6); }

/* Reusable lucide-style icon chips */
.olp__ic {
  width: 3rem;
  height: 3rem;
  border-radius: 0.75rem;
  display: grid;
  place-items: center;
  flex-shrink: 0;
}
.olp__ic--soft { background: var(--brand-accent-soft); color: var(--brand-accent); }
.olp__ic--deep { background: var(--brand-deep); color: #fff; }
.olp__ic svg { width: 22px; height: 22px; }

.olp__card-arrow {
  margin-top: 0.75rem;
  font-size: 0.625rem;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: var(--brand-muted);
  transition: color 0.15s ease;
}

/* Section 4: loan paths --------------------------------------------------- */
.olp__paths { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1rem; }
@media (min-width: 768px) { .olp__paths { grid-template-columns: repeat(4, 1fr); } }
.olp__path-card {
  background: #fff;
  padding: 1.5rem;
  border-radius: 1rem;
  box-shadow: inset 0 0 0 1px rgba(0,0,0,0.05);
  display: flex;
  flex-direction: column;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.olp__path-card:hover {
  transform: translateY(-4px);
  box-shadow: inset 0 0 0 1px color-mix(in oklch, var(--brand-accent) 40%, transparent);
}
.olp__path-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 2rem;
}
.olp__path-card:hover .olp__ic--soft { background: var(--brand-accent); color: #fff; }
.olp__ic--soft, .olp__path-card .olp__ic { transition: background-color 0.15s ease, color 0.15s ease; }
.olp__path-num { font-family: var(--font-serif); font-size: 1.25rem; color: color-mix(in oklch, var(--brand-accent) 70%, transparent); }
.olp__path-label { font-weight: 700; font-size: 1rem; line-height: 1.2; color: var(--brand-deep); }
.olp__path-card:hover .olp__card-arrow { color: var(--brand-accent); }

/* Section 5: quick services & tools -------------------------------------- */
.olp__quick { margin-top: 3rem; padding-top: 3rem; border-top: 1px solid var(--brand-line); }
.olp__quick-head {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 2rem;
}
.olp__quick-head h3 { font-family: var(--font-serif); font-size: clamp(1.5rem, 3vw, 1.875rem); color: var(--brand-deep); }
.olp__quick-grid { display: grid; grid-template-columns: 1fr; gap: 1rem; }
@media (min-width: 768px) { .olp__quick-grid { grid-template-columns: repeat(3, 1fr); } }
.olp__quick-card {
  background: #fff;
  padding: 1.5rem;
  border-radius: 1rem;
  box-shadow: inset 0 0 0 1px rgba(0,0,0,0.05);
  display: flex;
  align-items: center;
  gap: 1.25rem;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.olp__quick-card:hover {
  transform: translateY(-4px);
  box-shadow: inset 0 0 0 1px color-mix(in oklch, var(--brand-accent) 40%, transparent);
}
.olp__quick-card .olp__ic--deep { width: 3.5rem; height: 3.5rem; border-radius: 1rem; }
.olp__quick-card:hover .olp__ic--deep { background: var(--brand-accent); }
.olp__quick-title { font-weight: 700; font-size: 1rem; color: var(--brand-deep); }
.olp__quick-card:hover .olp__card-arrow { color: var(--brand-accent); }

/* Section 6: education band ---------------------------------------------- */
.olp__edu { padding: 6rem 1.5rem; max-width: 64rem; margin: 0 auto; text-align: center; }
.olp__edu .olp__eyebrow { display: block; margin-bottom: 1rem; }
.olp__edu h2 {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 4vw, 3rem);
  line-height: 1.15;
  color: var(--brand-deep);
  max-width: 48rem;
  margin: 0 auto;
}
.olp__edu p { font-size: 1.125rem; color: var(--brand-muted); margin-top: 1.5rem; max-width: 36rem; margin-inline: auto; }

/* Section 7: dark tools grid --------------------------------------------- */
.olp__tools-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1px;
  background: rgba(255,255,255,0.1);
  border-radius: 1rem;
  overflow: hidden;
  box-shadow: inset 0 0 0 1px rgba(255,255,255,0.1);
}
@media (min-width: 768px) { .olp__tools-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .olp__tools-grid { grid-template-columns: repeat(4, 1fr); } }
.olp__tool-card {
  background: var(--brand-deep);
  padding: 2rem;
  display: flex;
  flex-direction: column;
  transition: background-color 0.15s ease;
}
.olp__tool-card:hover { background: rgba(255,255,255,0.05); }
.olp__tool-num { color: var(--brand-accent); font-family: var(--font-serif); font-size: 1.875rem; margin-bottom: 1.5rem; }
.olp__tool-title { font-size: 1.25rem; font-weight: 700; margin-bottom: 0.75rem; color: #fff; }
.olp__tool-desc { color: rgba(255,255,255,0.6); font-size: 0.875rem; line-height: 1.6; flex: 1; }
.olp__tool-link { margin-top: 2rem; font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.15em; color: var(--brand-accent); font-weight: 700; }

/* Section 8: learning paths ---------------------------------------------- */
.olp__learn-grid { display: grid; grid-template-columns: 1fr; gap: 1.5rem; }
@media (min-width: 768px) { .olp__learn-grid { grid-template-columns: repeat(3, 1fr); } }
.olp__learn-card {
  background: #fff;
  padding: 2rem;
  border-radius: 1rem;
  box-shadow: inset 0 0 0 1px rgba(0,0,0,0.05);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.olp__learn-card:hover {
  transform: translateY(-4px);
  box-shadow: inset 0 0 0 1px color-mix(in oklch, var(--brand-accent) 40%, transparent);
}
.olp__learn-num { font-family: var(--font-serif); font-size: 1.875rem; color: var(--brand-accent); margin-bottom: 2rem; }
.olp__learn-title { font-size: 1.25rem; font-weight: 700; color: var(--brand-deep); margin-bottom: 0.75rem; }
.olp__learn-desc { color: var(--brand-muted); font-size: 0.875rem; line-height: 1.6; margin-bottom: 2rem; }
.olp__learn-link { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.15em; color: var(--brand-accent); font-weight: 700; }

/* Section 9: expertise ---------------------------------------------------- */
.olp__expertise { max-width: var(--wrap); margin: 0 auto; padding: 6rem 1.5rem; display: grid; gap: 4rem; align-items: center; }
@media (min-width: 1024px) { .olp__expertise { grid-template-columns: 5fr 7fr; padding-inline: 2rem; } }
.olp__expertise-copy { display: flex; flex-direction: column; gap: 2rem; }
.olp__expertise h2 { font-family: var(--font-serif); font-size: clamp(2rem, 4vw, 3rem); line-height: 1.15; color: var(--brand-deep); }
.olp__expertise-copy > p { color: var(--brand-muted); font-size: 1.125rem; }
.olp__checklist { display: flex; flex-direction: column; gap: 1rem; }
.olp__check { display: flex; gap: 1rem; align-items: center; }
.olp__check-mark {
  width: 1.5rem; height: 1.5rem; flex-shrink: 0;
  border-radius: 9999px;
  background: var(--brand-accent-soft);
  color: var(--brand-accent);
  display: grid; place-items: center; font-size: 0.75rem;
}
.olp__check p { font-weight: 500; color: var(--brand-deep); }
.olp__expertise-media { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1rem; }
.olp__media-col { display: flex; flex-direction: column; gap: 1rem; padding-top: 3rem; }
.olp__media-tile {
  border-radius: 1rem;
  overflow: hidden;
  aspect-ratio: 3 / 4;
  /* Placeholder treatment — real photography (loan officer / home) TBD */
  background:
    linear-gradient(135deg, color-mix(in oklch, var(--brand-accent) 18%, var(--brand-surface)), var(--brand-surface));
  display: grid;
  place-items: center;
  color: color-mix(in oklch, var(--brand-deep) 35%, transparent);
  font-size: 0.625rem;
  text-transform: uppercase;
  letter-spacing: 0.2em;
  font-weight: 700;
  text-align: center;
  padding: 1rem;
}
.olp__media-tile img { width: 100%; height: 100%; object-fit: cover; display: block; }
.olp__stat-card { background: var(--brand-accent-soft); padding: 2rem; border-radius: 1rem; }
.olp__stat-num { font-size: 3rem; font-family: var(--font-serif); color: var(--brand-accent); font-style: italic; }
.olp__stat-label { font-size: 0.75rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.15em; margin-top: 0.5rem; color: var(--brand-deep); }

/* Section 10: closing CTA ------------------------------------------------- */
.olp__cta { background: var(--brand-deep); color: #fff; padding: 6rem 1.5rem; }
.olp__cta-inner { max-width: 48rem; margin: 0 auto; text-align: center; display: flex; flex-direction: column; gap: 2rem; align-items: center; }
.olp__cta h2 { font-family: var(--font-serif); font-size: clamp(2.5rem, 5vw, 3.75rem); line-height: 1.1; }
.olp__cta p { color: rgba(255,255,255,0.7); font-size: 1.125rem; }
.olp__cta-actions { display: flex; flex-direction: column; gap: 1rem; }
@media (min-width: 640px) { .olp__cta-actions { flex-direction: row; } }
.olp__btn--ghost { border: 1px solid rgba(255,255,255,0.2); color: #fff; }
.olp__btn--ghost:hover { background: rgba(255,255,255,0.05); }

/* Footer (full multi-column) --------------------------------------------- */
.olp__footer { background: var(--brand-surface); padding: 5rem 1.5rem 3rem; }
@media (min-width: 1024px) { .olp__footer { padding-inline: 2rem; } }
.olp__footer-grid {
  max-width: var(--wrap);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid var(--brand-line);
}
@media (min-width: 1024px) { .olp__footer-grid { grid-template-columns: 2fr 1fr 1fr; } }
.olp__footer-brand { display: flex; flex-direction: column; gap: 1.25rem; }
/* align-self:flex-start stops the flex column from stretching the logo to
   full width (which was distorting its aspect ratio); width:auto then
   derives naturally from the fixed height. */
.olp__footer-brand img { height: 2.75rem; width: auto; align-self: flex-start; }
.olp__footer-brand p { color: var(--brand-muted); max-width: 24rem; }
.olp__footer-contact { font-size: 0.75rem; color: var(--brand-muted); }
.olp__footer a.olp__footer-phone { color: var(--brand-deep); font-weight: 600; }
.olp__footer-col h4 { font-weight: 700; font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.15em; color: var(--brand-deep); margin-bottom: 1rem; }
.olp__footer-col ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 0.5rem; }
.olp__footer-col a { font-size: 0.875rem; color: var(--brand-muted); }
.olp__footer-col a:hover { color: var(--brand-accent); }
.olp__footer-bottom {
  max-width: var(--wrap);
  margin: 2rem auto 0;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 0.5rem;
  font-size: 0.75rem;
  color: var(--brand-muted);
}