/* ------------------------------
   GLOBAL RESET & BASE
------------------------------ */
* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html, body {
  overflow-x: hidden;
  scroll-behavior: smooth;
}

a {
  color: #0abab5;                /* links turquoise */
  text-decoration: none;
}
a:hover {
  color: white;                  /* hover turns white */
}

/* ------------------------------
   GLOBAL HOVER BORDER (applies to all main sections)
------------------------------ */
.page-container, 
.mtg-card, 
.builder-new-construction-info,
.homebuyer-new-construction-info,
.military-new-construction-info,
.apply-info,
.one-percent-info,
.contact-info {
  border: 2px solid transparent;
  transition: border-color 0.3s ease;
}
.page-container:hover, 
.mtg-card:hover, 
.builder-new-construction-info:hover,
.homebuyer-new-construction-info:hover,
.military-new-construction-info:hover,
.apply-info:hover,
.one-percent-info:hover,
.contact-info:hover {
  border-color: #0abab5;   /* turquoise border like index.html */
}

/* ------------------------------
   INDEX PAGE STYLES
------------------------------ */
.index-menu { 
  position: relative;
  margin-left: 10px;
  margin-right: -30px;
  top: 20px;
  padding: 0 80px;
}

.index-logo { 
  width: 5%;
  height: auto;
}

.index-menu-bar li {
  display: inline-block;
  padding: 25px 30px;
  font-family: 'Marcellus', serif;
  background: transparent;
  white-space: nowrap;
}

.index-menu-bar a {
  text-decoration: none;
  background: transparent;
  text-align: center;
} 
.index-menu-bar a:link,
.index-menu-bar a:visited {
  color: white;
}
.index-menu-bar a:hover,
.index-menu-bar a.active {
  color: #0abab5;
}

.main-header {
  position: absolute;
  font-family: 'Playfair Display SC', serif;
  top: 200px;
  text-align: center;
}

.index-header {
  font-family: 'Playfair Display SC', serif;
  color: white;
  text-align: center;
}     
.index-tagline {
  font-family: 'Dancing Script', cursive;
  color: #0abab5;  
  display: block; 
  text-align: center;
  margin-top: 30px;
}

/* ------------------------------
   MORTGAGE & REFI PAGE
------------------------------ */
.sticky-navbar {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  padding: .8rem 2rem;
  background: transparent;              /* no blur, clean */
  transition: all .5s ease;
  z-index: 9999;
}
.sticky-navbar.scrolling {
  background: rgba(0,0,0,0.9);          /* darken on scroll */
}
.sticky-navbar nav ul {
  display: flex;
  align-items: center;
  gap: 1rem;
}
.sticky-navbar ul li.logo-item { margin-right: auto; }
.mtg-logo-img { width: 80px; height: 80px; }

.sticky-navbar a {
  font-family: 'Marcellus', serif;
  font-size: clamp(.9rem, 1.6vw, 1.1rem);
  padding: .7rem 1.2rem;
  color: #fff;
  border-radius: 5px;
  transition: all .3s ease;
}
.sticky-navbar a:hover {
  color: #0abab5;
  background: rgba(10,186,181,0.1);
  transform: translateY(-2px);
}
.sticky-navbar a.active { color: #0abab5; }

/* Hero fonts */
.capital-font {  
  font-family: 'Playfair Display SC', serif;
  color: white;
  font-size: clamp(2rem,4vw,4rem);
  text-shadow: 2px 2px 4px rgba(0,0,0,0.7);
}
.finance-font {
  font-family: 'Dancing Script', cursive;
  color: #0abab5;  
  font-size: clamp(1.5rem,3.8vw,3rem);
  text-shadow: 2px 2px 4px rgba(0,0,0,0.7);
}

/* CTA buttons */
.finance-link {
  display: inline-block;
  margin-top: .5rem;
  padding: 1rem 2rem;
  font-family: 'Marcellus', serif;
  font-size: clamp(1rem,2vw,1.2rem);
  background: #0abab5;
  color: white;
  border-radius: 5px;
  transition: .3s;
}
.finance-link:hover {
  background: black;
  color: #0abab5;
}

/* Cards */
.mtg-card {
  background: #f8f8f8;    /* restored original bg */
  border-radius: 10px;
  box-shadow: 0 4px 15px rgba(0,0,0,.1);
  transition: .3s;
}
.mtg-card:hover {
  transform: scale(1.03);
  box-shadow: 0 8px 25px rgba(0,0,0,.15);
}
.mtg-card h3 {
  font-family: 'Dancing Script', cursive;
  color: #0abab5;
}
.mtg-card p {
  font-family: 'Marcellus', serif;
  color: black;
}
.mtg-card a {
  display: block;
  margin: 1rem;
  padding: 1rem;
  background: #0abab5;
  color: white;
  border-radius: 5px;
  text-align: center;
}
.mtg-card a:hover {
  background: black;
  color: #0abab5;
}

/* Footer */
footer {
  background: transparent; /* no black bar */
  padding: 2rem;
  text-align: center;
  font-family: 'Marcellus', serif;
}

/* ------------------------------
   NEW CONSTRUCTION, APPLY, ONE PERCENT, CONTACT
------------------------------ */
.apply-info h3,
.apply-info p {
  color: #fff;  /* corrected */
}

.contact-email-link,
.contact-link {
  color: white;
}
.contact-email-link:hover,
.contact-link:hover {
  color: #0abab5;
}