/* Reset some basic styles */
* {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

body {
  font-family: 'Montserrat', sans-serif;
  background-color: #000;
  color: #fff;
  line-height: 1.6;
}

/* Header */

header {
  background-color: #000;
  padding: 20px 40px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  border-bottom: 2px solid #d4af37;
  /* Gold border */
}

.logo {
  display: flex;
  align-items: center;
}

.logo img {
  height: 150px;
  margin-right: 15px;
}

nav a {
  margin: 0 20px;
  text-decoration: none;
  font-weight: 600;
  color: #ffffff;
}

nav .contact-button {
  padding: 8px 16px;
  background-color: #d4af37;
  color: #000000;
  border-radius: 5px;
  font-weight: bold;
  transition: background-color 0.3s ease;
}

nav .contact-button:hover {
  background-color: #9a821a;
  color: #fff;
}

.services-link::after {
  content: " ▼";
  font-size: 1.0em;
}

nav {
  margin-right: 15px;
  margin-top: 1px;
}

nav a:hover {
  color: #d4af37;
}

/* Dropdown container inside nav */
.dropdown-container {
  position: relative;
  display: inline-block;
}

/* Dropdown menu hidden by default */
.dropdown-menu {
  display: none;
  position: absolute;
  background-color: #000;
  width: 160px;
  border: 1px solid #d4af37;
  border-radius: 0;
  box-shadow: 0 8px 16px rgba(212, 175, 55, 0.3);
  z-index: 1000;
  margin-top: 8px;
  top: 100%;
  /* right below */
  left: 0;
  margin-top: 0;
  /* no gap */


}

/* Dropdown links style */
.dropdown-menu a {
  color: #fff;
  padding: 12px 16px;
  text-decoration: none;
  display: block;
  font-weight: 600;
  transition: background-color 0.3s ease;
}

/* Hover effect for dropdown links */
.dropdown-menu a:hover {
  background-color: #d4af37;
  color: #000;
}

/* Show dropdown menu on hover */
.dropdown-container:hover .dropdown-menu {
  display: block;
}

/* Style the services link */
.services-link {
  cursor: pointer;
  color: #fff;
  font-weight: 600;
  text-decoration: none;
  margin: 0 20px;
}

/* Hover effect for services link */
.services-link:hover {
  color: #d4af37;
}

.language-selector {
  position: fixed;
  /* fix position relative to viewport */
  top: 10px;
  /* distance from top */
  left: 10px;
  /* distance from left */
  z-index: 10000;
  /* make sure it stays on top */
  display: inline-block;
  background: white;
  border: 1px solid #ccc;
  border-radius: 4px;
  box-shadow: 0 2px 5px rgba(0, 0, 0, 0.1);
}

.lang-btn {
  cursor: pointer;
  background: transparent;
  border: none;
  padding: 5px 10px;
  font-size: 16px;
  display: flex;
  align-items: center;
  gap: 5px;
}

.flag-icon {
  width: 20px;
  height: 15px;
}

.arrow {
  font-size: 12px;
}

/* Hide dropdown by default */
.dropdown {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  background: white;
  border: 1px solid #ccc;
  min-width: 120px;
  box-shadow: 0 2px 5px rgba(0, 0, 0, 0.15);
  border-radius: 0 0 4px 4px;
}

/* Show dropdown on hover */
.language-selector:hover .dropdown {
  display: block;
}

/* Style dropdown links */
.dropdown a {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 8px 12px;
  text-decoration: none;
  color: black;
}

.dropdown a:hover {
  background-color: #f0f0f0;
}


/* Founder Section */
.founder-section {
  padding: 60px 20px;
  background-color: #000;
  display: flex;
  justify-content: center;
}

.founder-profile {
  display: flex;
  flex-wrap: wrap;
  max-width: 1000px;
  align-items: center;
  gap: 40px;
}

.founder-profile img {
  width: 300px;
  height: auto;
  border-radius: 16px;
  box-shadow: 0 0 20px rgba(212, 175, 55, 0.5);
  transition: transform 0.3s ease;
  /* smooth animation */
}

.founder-profile img:hover {
  transform: scale(1.1);
}


.founder-text {
  flex: 1;
}

.founder-text h2 {
  font-size: 2rem;
  color: #d4af37;
  margin-bottom: 10px;
}

.founder-text p {
  font-size: 1.1rem;
  margin-bottom: 10px;
}

/* Team Section */
.team-section {
  padding: 60px 20px;
  background-color: #5f5f5f;
  text-align: center;
}

.team-section h2 {
  font-size: 2rem;
  color: #d4af37;
  margin-bottom: 40px;
}

.team-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 40px;
  justify-items: center;
  max-width: 1200px;
  margin: 0 auto;
}

.team-box {
  background-color: #111;
  padding: 20px;
  border-radius: 12px;
  box-shadow: 0 0 15px rgba(212, 175, 55, 0.2);
  transition: transform 0.3s ease;
}

.team-box:hover {
  transform: translateY(-5px);
}

.team-box img {
  width: 240px;
  height: 240px;
  object-position: 0 5%;
  object-fit: cover;
  border-radius: 12px;
  margin-bottom: 15px;
}

.team-box h3 {
  color: #d4af37;
  font-size: 1.25rem;
  margin-bottom: 5px;
}

.team-box .title,
.team-box .location {
  font-size: 1rem;
  color: #fff;
  margin-bottom: 5px;
}


.contact-box {
  max-width: 800px;
  margin: 80px auto;
  padding: 60px 50px;
  border-radius: 24px;
  background-color: #f5efe4;
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.1);
  text-align: center;
  font-family: 'Montserrat', sans-serif;
  border: 3px solid #d4af37;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.contact-box:hover {
  transform: translateY(-5px);
  box-shadow: 0 30px 60px rgba(0, 0, 0, 0.15);
}

.contact-box h3 {
  font-size: 1.5rem;
  color: #111;
  margin-bottom: 25px;
  font-weight: 700;
  letter-spacing: 0.5px;
}

.contact-box p {
  font-size: 1rem;
  color: #444;
  margin-bottom: 35px;
  line-height: 1.6;
}

.contact-button {
  display: inline-block;
  background-color: #d4af37;
  color: #000;
  padding: 14px 32px;
  font-weight: 600;
  text-decoration: none;
  font-size: 1rem;
  letter-spacing: 0.5px;
  box-shadow: 0 8px 20px rgba(212, 175, 55, 0.3);
  transition: all 0.3s ease;
}

.contact-button:hover {
  background-color: #b48f29;
  color: #fff;
  box-shadow: 0 10px 25px rgba(212, 175, 55, 0.4);
}


/* Footer */
.site-footer {
  background-color: #000;
  color: #fff;
  padding: 60px 20px 30px;
  font-family: 'Montserrat', sans-serif;
}

.footer-container {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 40px;
  max-width: 1200px;
  margin: auto;
  border-bottom: 1px solid #333;
  padding-bottom: 30px;
}

.footer-column {
  flex: 1 1 250px;
}

.footer-column h3 {
  color: #d4af37;
  margin-bottom: 20px;
  font-size: 1.2rem;
  margin-left: 50px;
}

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

.footer-column ul li {
  margin-bottom: 10px;
}

.footer-column ul li a {
  color: #fff;
  text-decoration: none;
}

.footer-column ul li a:hover {
  color: #d4af37;
}

.footer-column p {
  margin: 8px 0;
  font-size: 0.95rem;
}

.footer-logo {
  width: 200px;
  margin-bottom: 15px;
}

.social-icons a {
  display: inline-block;
  margin-right: 15px;
}

.social-icons a img {
  filter: brightness(0) invert(1);
  transition: filter 0.3s ease;
}

.social-icons a img:hover {
  filter: brightness(0) invert(0.7);
}

.icon-facebook {
  width: 32px;
  height: 32px;
  margin-bottom: 2px;
  margin-left: 50px;
}

.icon-instagram {
  width: 30px;
  height: 30px;
}

.footer-bottom {
  text-align: center;
  margin-top: 30px;
  font-size: 0.9rem;
  color: #ccc;
}


/* Join HTML Section */
.join-hero {
  text-align: center;
  padding: 60px 20px 40px 20px;
  max-width: 900px;
  margin: 0 auto;
}

.join-main {
  background: linear-gradient(135deg, rgba(85, 73, 22, 0.8), rgba(114, 114, 114, 0.8)), url('https://workspacestrat.com/wp-content/uploads/2022/07/workspace-strategies-coworking-office-spaces-team-builing-teamwork.jpg') no-repeat center center/cover;
  padding: 80px 20px;
  border-radius: 16px;
  box-shadow: 0 0 20px rgba(212, 175, 55, 0.5);
}

.join-hero h1 {
  font-size: 2.5rem;
  color: #d4af37;
  margin-bottom: 15px;
}

.join-hero p {
  font-size: 1.25rem;
  color: #ddd;
  max-width: 700px;
  margin: 0 auto;
}

/* Benefits Section */
.join-benefits {
  max-width: 800px;
  margin: 40px auto;
  padding: 0 20px;
  text-align: center;
}

.join-benefits h2 {
  font-size: 2rem;
  color: #d4af37;
  margin-bottom: 25px;
}

.join-benefits ul {
  list-style: none;
  font-size: 1.1rem;
  color: #eee;
}

.join-benefits li {
  margin-bottom: 15px;
  position: relative;
  padding-left: 30px;
}

.join-benefits li::before {
  position: absolute;
  left: 0;
  color: #d4af37;
  font-weight: bold;
}

/* Form Section */
.join-form {
  max-width: 600px;
  margin: 40px auto 60px auto;
  padding: 0 20px;
  background-color: #111;
  border-radius: 12px;
  box-shadow: 0 0 15px rgba(212, 175, 55, 0.3);
}

.join-form h2 {
  text-align: center;
  color: #d4af37;
  font-size: 2rem;
  margin: 30px 0;
}

.join-form form {
  display: flex;
  flex-direction: column;
  gap: 20px;
  padding: 0 20px 30px 20px;
}

/* Input, textarea, select styles */
.join-form input[type="text"],
.join-form input[type="email"],
.join-form input[type="tel"],
.join-form input[type="number"],
.join-form textarea,
.join-form select {
  padding: 12px 15px;
  border: 2px solid #d4af37;
  border-radius: 8px;
  font-size: 1rem;
  background-color: #000;
  color: #fff;
  transition: border-color 0.3s ease;
  resize: vertical;
}

.join-form input[type="text"]:focus,
.join-form input[type="email"]:focus,
.join-form input[type="tel"]:focus,
.join-form input[type="number"]:focus,
.join-form textarea:focus,
.join-form select:focus {
  border-color: #9a821a;
  outline: none;
}

/* Labels */
.join-form label {
  color: #fff;
  font-size: 1rem;
  margin-top: 10px;
  display: block;
}

.join-form label:after {
  content: " *";
  color: #d4af37;
}

/* Button */
.join-form button {
  background-color: #d4af37;
  color: #000;
  border: none;
  padding: 15px;
  font-weight: 700;
  font-size: 1.1rem;
  border-radius: 10px;
  cursor: pointer;
  transition: background-color 0.3s ease;
}

.join-form button:hover {
  background-color: #9a821a;
  color: #fff;
}

/* Radio and Checkbox */
.join-form input[type="radio"],
.join-form input[type="checkbox"] {
  margin-right: 10px;
  transform: scale(1.2);
  cursor: pointer;
}

.join-form label input[type="radio"],
.join-form label input[type="checkbox"] {
  display: inline-block;
  vertical-align: middle;
  margin-right: 8px;
}

/* Option group layout for radios/checkboxes */
.join-form .option-group {
  display: flex;
  flex-wrap: wrap;
  gap: 15px;
}

.join-form .option-group label {
  flex: 1 1 45%;
  margin-bottom: 5px;
}

/* Smooth scroll */
html {
  scroll-behavior: smooth;
}

/* Services Section */
.services-summary {
  padding: 60px 20px;
  background-color: #5f5f5f;
  color: #fff;
  text-align: center;
}

.section-title {
  font-size: 2.5rem;
  color: #d4af37;
  margin-bottom: 50px;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 40px;
  max-width: 1200px;
  margin: 0 auto;
}

.service-box {
  background-color: #111;
  border: 1px solid #d4af37;
  border-radius: 16px;
  padding: 40px 30px;
  width: 360px;
  height: 580px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: space-between;
  box-shadow: 0 0 20px rgba(212, 175, 55, 0.2);
  transition: transform 0.3s ease;
}

.service-box:hover {
  transform: translateY(-5px);
}

.service-box img {
  width: 320px;
  height: auto;
  margin-bottom: 20px;
}

.service-box h2 {
  color: #d4af37;
  margin-bottom: 10px;
  font-size: 1.5rem;
  text-align: center;
}

.service-box p {
  font-size: 1rem;
  margin-bottom: 20px;
  text-align: center;
}

.learn-more-button {
  background-color: #d4af37;
  color: #000;
  padding: 10px 18px;
  font-weight: bold;
  border-radius: 8px;
  text-decoration: none;
  transition: background-color 0.3s ease;
}

.learn-more-button:hover {
  background-color: #9a821a;
  color: #fff;
}

.what-we-do-section {
  background-color: #000000;
  padding: 60px 20px;
  color: #fff;
}

.what-we-do-container {
  display: flex;
  flex-wrap: wrap;
  max-width: 1200px;
  margin: 0 auto;
  align-items: center;
  gap: 40px;
}

.what-we-do-image img {
  width: 100%;
  max-width: 500px;
  border-radius: 10px;
}

.what-we-do-text {
  max-width: 600px;
  color: #000;
}

.what-we-do-text h2 {
  font-size: 2.5rem;
  font-weight: 700;
  color: #d4af37;
}

.what-we-do-text hr {
  width: 60px;
  border: 2px solid #d4af37;
  margin: 16px 0;
}

.what-we-do-text p {
  font-size: 1.2rem;
  line-height: 1.6;
  color: #ffffff;
}

/* Living Benefits Section */
#living-benefits {
  background-color: #707070;
  color: #fff;
  font-family: 'Montserrat', sans-serif;
  padding: 60px 20px;
}

#living-benefits h2 {
  font-size: 36px;
  color: #d4af37;
  text-align: center;
  margin-bottom: 20px;
}

#living-benefits p {
  color: #ffffff;
  font-size: 20px;
  max-width: 900px;
  margin: 0 auto 30px;
  line-height: 1.6;
  text-align: center;
}

.text-gold {
  color: #d4af37;
  font-size: 20px;
}

.video-wrapper {
  max-width: 800px;
  margin: 0 auto;
  padding-top: 30px;
}

.embed-responsive {
  position: relative;
  width: 100%;
  padding-bottom: 56.25%;
  height: 0;
  overflow: hidden;
  border-radius: 12px;
  box-shadow: 0 0 20px rgba(212, 175, 55, 0.1);
}

.embed-responsive iframe {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  border: none;
}

#insurance-comparison {
  background-color: #111;
  color: #fff;
  padding: 60px 20px;
  font-family: 'Segoe UI', sans-serif;
  text-align: center;
}

#insurance-comparison .section-title {
  color: #d4af37;
  font-size: 32px;
  font-weight: bold;
  text-align: center;
}

#insurance-comparison .section-subtitle {
  color: #ccc;
  max-width: 800px;
  margin: 0 auto 30px;
  font-size: 16px;
  line-height: 1.6;
}

.comparison-table {
  width: 100%;
  max-width: 900px;
  margin: 0 auto;
  border-collapse: collapse;
  text-align: center;
}

.comparison-table .row {
  display: flex;
  border-bottom: 1px solid #333;
}

.comparison-table .row.header {
  background-color: #1a1a1a;
  font-weight: bold;
}

.comparison-table .row.footer {
  background-color: #1a1a1a;
  font-weight: bold;
}

.comparison-table .cell {
  flex: 1;
  padding: 15px;
  border-right: 1px solid #222;
}

.comparison-table .cell:last-child {
  border-right: none;
}

.comparison-table .label {
  text-align: left;
  font-weight: bold;
  color: #fff;
}

.comparison-table .check {
  color: #4CAF50;
  font-size: 20px;
}

.comparison-table .cross {
  color: #F44336;
  font-size: 20px;
}

.comparison-table .same-price {
  color: #ccc;
  font-size: 14px;
}

#insurance-comparison .btn-primary {
  background-color: #d4af37;
  color: #111;
  padding: 12px 24px;
  border-radius: 6px;
  text-transform: uppercase;
  font-weight: bold;
  border: none;
  transition: background 0.3s;
  text-decoration: none;
  display: inline-block;
  margin-top: 20px;
  font-size: 16px;
  box-shadow: 0 4px 10px rgba(212, 175, 55, 0.2);
  cursor: pointer;
  text-align: center;
}

#insurance-comparison .btn-primary:hover {
  background-color: #c19e32;
  color: #fff;
  text-decoration: none;
  transition: background 0.3s;
  object-position: center;
}

#faq {
  background-color: rgb(105, 105, 105);
  color: #eee;
  padding: 2rem 0;
}

#faq .container {
  max-width: 900px;
  margin: 0 auto;
}

#faq h2 {
  color: #e7bf3d;
  font-weight: 700;
  font-size: 2rem;
  margin-bottom: 2rem;
  text-align: center;
}

#faq .faq-item {
  border-bottom: 1px solid #333;
  margin-bottom: 1.5rem;
}

.faq-question {
  width: 100%;
  background: none;
  border: none;
  outline: none;
  text-align: left;
  font-size: 1.3rem;
  font-weight: 700;
  padding: 1rem 0;
  cursor: pointer;
  color: #d4af37;
  transition: color 0.3s ease;
}

.faq-question:hover,
.faq-question[aria-expanded="true"] {
  color: #f0d97a;
}

.faq-answer {
  padding-left: 1rem;
  font-size: 1rem;
  line-height: 1.6;
  color: #f1f1f1;
}

.faq-answer ul {
  margin-top: 0.5rem;
  padding-left: 1.2rem;
}

.faq-answer li {
  margin-bottom: 0.5rem;
}

.faq-contact-link {
  color: #d4af37;
  font-weight: 700;
  text-decoration: none;
  transition: color 0.3s ease;
}

.faq-contact-link:hover {
  color: #f0d97a;
  text-decoration: underline;
}

.horizontal-boxes {
  display: flex;
  flex-direction: row;
  gap: 30px;
  justify-content: space-between;
  flex-wrap: wrap;
}

.horizontal-boxes {
  display: flex;
  flex-direction: row;
  gap: 30px;
  justify-content: center;
  flex-wrap: wrap;
}

.py-5 {
  padding: 60px 20px;
  background-color: #0e0e0e;
}

.info-box {
  flex: 1;
  flex-basis: 300px;
  max-width: 300px;
  padding: 0 15px;
  background: transparent;
}

.info-box h3 {
  font-size: 1.25rem;
  color: #d4af37;
  margin-bottom: 12px;
  margin-top: 25px;
  font-weight: 500;
  text-align: center;
}

.info-box p {
  color: #bbbbbb;
  font-size: 0.95rem;
  line-height: 1.7;
  text-align: justify;
  margin-bottom: 20px;
}

.btn.btn-clear {
  padding: 8px 16px;
  background-color: #d4af37;
  color: #000000;
  border-radius: 5px;
  margin-top: 20px;
  font-weight: bold;
  text-decoration: none;
  transition: background-color 0.3s ease;
}

.btn.btn-clear:hover {
  background-color: #9a821a;
  color: #fff;
}

/* Mortgage Section */
.mortgage-section {
  padding: 60px 20px;
  background-color: #5f5f5f;
}

.mortgage-content {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 40px;
  max-width: 1200px;
  margin: 0 auto;
}

.mortgage-text {
  flex: 1 1 400px;
  max-width: 500px;
}

.mortgage-text h2 {
  color: #d4af37;
  font-size: 2.2rem;
  font-weight: 600;
  margin-bottom: 15px;
  font-family: 'Montserrat', sans-serif;
}

.mortgage-text p {
  color: #ffffff;
  font-size: 1.2rem;
  line-height: 1.6;
  margin-bottom: 20px;
}

.mortgage-image {
  flex: 1 1 400px;
  max-width: 500px;
}

.mortgage-image img {
  width: 140%;
  border-radius: 12px;
  display: block;
  height: auto;
}

.why-mortgage {
  background-color: #c9c9c9;
  color: #000000;
  padding: 60px 20px;
}

.why-mortgage h2 {
  font-size: 1.8rem;
  font-weight: 600;
  text-align: center;
  margin-bottom: 30px;
}

.why-mortgage .main-message p {
  max-width: 800px;
  margin: 0 auto 30px auto;
  color: #000000;
  font-size: 1rem;
  line-height: 1.6;
  text-align: center;
}

.mortgage-grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 30px;
  margin-bottom: 40px;
}

.mortgage-box {
  background: rgba(109, 108, 108, 0.788);
  padding: 20px;
  border-radius: 12px;
  max-width: 400px;
  flex: 1 1 300px;
}

.mortgage-box h3 {
  font-size: 1.3rem;
  margin: 15px 0 10px;
  color: #fff;
}

.mortgage-box p {
  color: #e2e0e0;
  font-size: 0.95rem;
  line-height: 1.5;
}

.video-mortgage-wrapper {
  position: relative;
  padding-bottom: 56.25%;
  height: 0;
  overflow: hidden;
  border-radius: 8px;
}

.video-mortgage-wrapper iframe {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
}

/* Annuity Section */
.section-annuity {
  padding: 60px 20px;
  background-color: #121212;
}

.annuity-boxes {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 30px;
  max-width: 1200px;
  margin: 0 auto;
}

.annuity-box {
  flex: 1;
  min-width: 280px;
  max-width: 360px;
  background-color: #1f1f1f;
  padding: 30px 25px;
  border-radius: 10px;
  box-shadow: 0 0 15px rgba(212, 175, 55, 0.15);
  color: #ccc;
}

.annuity-box h3 {
  font-size: 1.3rem;
  color: #fff;
  margin-bottom: 15px;
  font-weight: 600;
}

.annuity-box p {
  font-size: 1rem;
  line-height: 1.6;
  margin-bottom: 20px;
}

/* Tablets and smaller laptops */
@media (max-width: 992px) {

  .mortgage-content,
  .annuity-boxes {
    justify-content: center;
  }

  .mortgage-text,
  .mortgage-image,
  .annuity-box {
    flex: 1 1 100%;
    max-width: 100%;
    min-width: auto;
  }

  .mortgage-image img {
    max-width: 100%;
  }
}

/* MOBILE RESPONSIVE CSS */
@media (max-width: 768px) {

  /* Header adjustments */
  header {
    flex-direction: column;
    align-items: center;
    padding: 15px 20px;
  }

  .logo img {
    height: 100px;
    /* smaller logo on phone */
    margin-right: 0;
    margin-bottom: 10px;
  }

  nav {
    width: 100%;
    display: flex;
    justify-content: center;
    flex-wrap: wrap;
    gap: 15px;
  }

  nav a {
    margin: 8px 10px;
    font-size: 1rem;
  }

  nav .contact-button {
    padding: 10px 20px;
    font-size: 1rem;
    width: 100%;
    max-width: 250px;
    text-align: center;
    box-sizing: border-box;
  }

  /* Mortgage Section */
  .mortgage-section {
    padding: 40px 15px;
  }

  .mortgage-content {
    flex-direction: column;
    align-items: center;
    gap: 20px;
    max-width: 100%;
    margin: 0 auto;
  }

  .mortgage-text,
  .mortgage-image {
    flex: none;
    width: 100%;
    max-width: 400px;
  }

  .mortgage-text h2 {
    font-size: 1.6rem;
    margin-bottom: 10px;
  }

  .mortgage-text p {
    font-size: 1rem;
    margin-bottom: 15px;
  }

  .mortgage-image img {
    width: 100%;
    border-radius: 10px;
  }

  /* Why Mortgage Section */
  .why-mortgage {
    padding: 40px 15px;
  }

  .why-mortgage h2 {
    font-size: 1.5rem;
    margin-bottom: 20px;
  }

  .why-mortgage .main-message p {
    font-size: 0.95rem;
    max-width: 100%;
    margin-bottom: 20px;
  }

  .mortgage-grid {
    flex-direction: column;
    gap: 20px;
    margin-bottom: 25px;
  }

  .mortgage-box {
    max-width: 100%;
    padding: 15px;
  }

  .mortgage-box h3 {
    font-size: 1.2rem;
    margin: 10px 0 8px;
  }

  .mortgage-box p {
    font-size: 0.9rem;
  }

  /* Video wrapper */
  .video-mortgage-wrapper {
    padding-bottom: 56.25%;
    border-radius: 8px;
    max-width: 100%;
  }

  /* Annuity Section */
  .section-annuity {
    padding: 40px 15px;
  }

  .annuity-boxes {
    flex-direction: column;
    gap: 20px;
    max-width: 100%;
    margin: 0 auto;
  }

  .annuity-box {
    max-width: 100%;
    padding: 20px 15px;
  }

  .annuity-box h3 {
    font-size: 1.2rem;
    margin-bottom: 10px;
  }

  .annuity-box p {
    font-size: 0.95rem;
  }

  /* Buttons full width */
  .btn,
  .btn-clear,
  .learn-more-btn,
  .white-callout .callout-btn {
    width: 100%;
    max-width: 300px;
    text-align: center;
  }
}