@import url("https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&family=Playfair+Display:wght@600;700&display=swap");

.mm-refinance-page *, .mm-refinance-page *::before, .mm-refinance-page *::after {box-sizing: border-box; margin: 0; padding: 0;}

.mm-refinance-page {--gold: #e02c25;
    --gold-light: #e02c25;
    --gold-pale: #FDF6E3;
    --navy: #0B1F3A;
    --navy-mid: #153255;
    --navy-light: #1E4272;
    --slate: #4A5A70;
    --mist: #F5F8FC;
    --white: #FFFFFF;
    --text: #1A2840;
    --text-soft: #5A6A80;
    --border: #DDE4EE;
    --success: #1E8C5A;
    --radius: 12px;
    --radius-lg: 20px;
    --shadow: 0 4px 24px rgba(11,31,58,0.08);
    --shadow-hover: 0 8px 40px rgba(11,31,58,0.14);}

html {scroll-behavior: smooth;}

.mm-refinance-page {font-family: "Inter", sans-serif;
    color: var(--text);
    background: var(--white);
    line-height: 1.6;
    font-size: 15px;}

/* ── NAV STRIP ── */

.mm-refinance-page .topnav {background: var(--navy);
    padding: 0 5%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 68px;
    position: sticky;
    top: 0;
    z-index: 100;
    box-shadow: 0 2px 12px rgba(0,0,0,0.18);}

.mm-refinance-page .topnav .logo {font-family: "Playfair Display", serif;
    font-size: 1.4rem;
    font-weight: 700;
    color: var(--gold-light);
    letter-spacing: 0.5px;
    text-decoration: none;}

.mm-refinance-page .topnav .logo span {color: var(--white);}

.mm-refinance-page .nav-cta {display: flex; gap: 10px; align-items: center;}

.mm-refinance-page .nav-cta a {text-decoration: none;
    font-size: 0.82rem;
    font-weight: 600;
    padding: 8px 18px;
    border-radius: 6px;
    transition: all 0.2s;}

.mm-refinance-page .nav-cta .btn-outline {color: var(--gold-light);
    border: 1.5px solid var(--gold);}

.mm-refinance-page .nav-cta .btn-outline:hover {background: rgba(200,151,42,0.12);}

.mm-refinance-page .nav-cta .btn-solid {background: var(--gold);
    color: var(--navy);}

.mm-refinance-page .nav-cta .btn-solid:hover {background: var(--gold-light);}

/* ── ANCHOR NAV ── */

.mm-refinance-page .anchor-nav {background: white;
    color: #222;
    padding: 15px;
    gap: 20px;
    overflow-x: auto;
    white-space: nowrap;
    scrollbar-width: none;
    display: flex;
    justify-content: center;
}

.mm-refinance-page .anchor-nav::-webkit-scrollbar {display: none;}

.mm-refinance-page .anchor-nav a {display: inline-block;
    color: #222;
    text-decoration: none;
    font-size: 0.78rem;
    font-weight: 500;
    letter-spacing: 0.3px;
    padding: 12px 16px;
    border-bottom: 2px solid transparent;
    transition: all 0.2s;}

.mm-refinance-page .anchor-nav a:hover {color: var(--gold-light);
    border-bottom-color: var(--gold);}

/* ── HERO ── */

.mm-refinance-page .hero {background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 50%, #0D2B4E 100%);
    padding: 72px 5% 60px;
    position: relative;
    overflow: hidden;}

.mm-refinance-page .hero::before {content: "";
    position: absolute;
    top: -80px; right: -80px;
    width: 500px; height: 500px;
    background: radial-gradient(circle, rgba(200,151,42,0.12) 0%, transparent 70%);
    pointer-events: none;}

.mm-refinance-page .hero::after {content: "";
    position: absolute;
    bottom: -60px; left: 20%;
    width: 300px; height: 300px;
    background: radial-gradient(circle, rgba(200,151,42,0.06) 0%, transparent 70%);
    pointer-events: none;}

.mm-refinance-page .hero-inner {max-width: 1200px; margin: 0 auto;
    display: grid; grid-template-columns: 1fr 360px; gap: 60px; align-items: center;}

.mm-refinance-page .hero-eyebrow {display: inline-flex; align-items: center; gap: 8px;
    background: rgba(200,151,42,0.15);
    border: 1px solid rgba(200,151,42,0.35);
    color: var(--gold-light);
    font-size: 0.72rem; font-weight: 600; letter-spacing: 1.2px;
    text-transform: uppercase;
    padding: 6px 14px; border-radius: 50px;
    margin-bottom: 20px;}

.mm-refinance-page .hero h1 {font-family: "Playfair Display", serif;
    font-size: clamp(1.9rem, 3.5vw, 2.8rem);
    font-weight: 700;
    color: var(--white);
    line-height: 1.25;
    margin-bottom: 18px;}

.mm-refinance-page .hero h1 span {color: var(--gold-light);}

.mm-refinance-page .hero-desc {color: rgba(255,255,255,0.72);
    font-size: 1rem;
    line-height: 1.7;
    margin-bottom: 32px;
    max-width: 520px;}

.mm-refinance-page .hero-stats {display: flex; gap: 32px; margin-bottom: 36px;}

.mm-refinance-page .hero-stat .num {font-family: "Playfair Display", serif;
    font-size: 1.7rem; font-weight: 700;
    color: #fff;
    display: block;}

.mm-refinance-page .hero-stat .lbl {font-size: 0.72rem; color: rgba(255,255,255,0.55); letter-spacing: 0.5px;}

.mm-refinance-page .hero-btns {display: flex; gap: 12px; flex-wrap: wrap;}

.mm-refinance-page .btn-gold {background: var(--gold);
    color: #fff;
    font-weight: 700; font-size: 0.9rem;
    padding: 14px 28px; border-radius: 8px;
    border: none; cursor: pointer;
    text-decoration: none; display: inline-block;
    transition: all 0.2s; letter-spacing: 0.2px;}

.mm-refinance-page .btn-gold:hover {background: var(--gold-light); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(200,151,42,0.35);}

.mm-refinance-page .btn-ghost {background: transparent;
    color: var(--white); font-weight: 600; font-size: 0.9rem;
    padding: 14px 28px; border-radius: 8px;
    border: 1.5px solid rgba(255,255,255,0.3); cursor: pointer;
    text-decoration: none; display: inline-block;
    transition: all 0.2s;}

.mm-refinance-page .btn-ghost:hover {border-color: var(--gold); color: #fff;}

/* ── HERO FORM ── */

.mm-refinance-page .hero-form {background: var(--white);
    border-radius: var(--radius-lg);
    padding: 32px 28px;
    box-shadow: 0 16px 60px rgba(0,0,0,0.25);}

.mm-refinance-page .hero-form h3 {font-family: "Playfair Display", serif;
    font-size: 1.15rem; font-weight: 700;
    color: var(--navy); margin-bottom: 6px;}

.mm-refinance-page .hero-form p {font-size: 0.8rem; color: var(--text-soft); margin-bottom: 22px;}

.mm-refinance-page .form-group {margin-bottom: 14px;}

.mm-refinance-page .form-group label {display: block; font-size: 0.75rem; font-weight: 600; color: var(--slate); margin-bottom: 5px;}

.mm-refinance-page .form-group input, .mm-refinance-page .form-group select {width: 100%; padding: 11px 14px;
    border: 1.5px solid var(--border); border-radius: 8px;
    font-family: "Inter", sans-serif; font-size: 0.87rem; color: var(--text);
    background: var(--mist);
    transition: border-color 0.2s;
    appearance: none;}

.mm-refinance-page .form-group input:focus, .mm-refinance-page .form-group select:focus {outline: none; border-color: var(--gold); background: var(--white);}

.mm-refinance-page .hero-form .btn-submit {width: 100%; padding: 14px;
    background: var(--navy); color: var(--white);
    border: none; border-radius: 8px;
    font-weight: 700; font-size: 0.9rem;
    cursor: pointer; transition: all 0.2s; margin-top: 6px;}

.mm-refinance-page .hero-form .btn-submit:hover {background: var(--navy-light);}

.mm-refinance-page .form-note {text-align: center; font-size: 0.72rem; color: var(--text-soft); margin-top: 10px;}

/* ── SECTIONS ── */

.mm-refinance-page section {padding: 72px 5%;}

.mm-refinance-page .section-inner {max-width: 1200px; margin: 0 auto;}

.mm-refinance-page .section-eyebrow {font-size: 0.72rem; font-weight: 700; letter-spacing: 1.5px;
    text-transform: uppercase; color: var(--gold);
    margin-bottom: 10px; display: block;}

.mm-refinance-page .section-title {font-family: "Playfair Display", serif;
    font-size: clamp(1.5rem, 2.5vw, 2rem);
    font-weight: 700; color: var(--navy);
    margin-bottom: 14px; line-height: 1.3;}

.mm-refinance-page .section-sub {color: var(--text-soft); font-size: 0.95rem;
    line-height: 1.7; max-width: 600px; margin-bottom: 48px;}

.mm-refinance-page .divider {width: 48px; height: 3px;
    background: var(--gold); border-radius: 2px;
    margin: 14px 0 48px;}

/* ── CARDS GRID ── */

.mm-refinance-page .cards-grid {display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 22px;}

.mm-refinance-page .card {background: var(--white);
    border: 1.5px solid var(--border);
    border-radius: var(--radius);
    padding: 28px 24px;
    transition: all 0.25s;
    position: relative; overflow: hidden;}

.mm-refinance-page .card::before {content: "";
    position: absolute; top: 0; left: 0; right: 0; height: 3px;
    background: linear-gradient(90deg, var(--gold), var(--gold-light));
    opacity: 0; transition: opacity 0.25s;}

.mm-refinance-page .card:hover {box-shadow: var(--shadow-hover); border-color: transparent; transform: translateY(-3px);}

.mm-refinance-page .card:hover::before {opacity: 1;}

.mm-refinance-page .card-icon {width: 48px; height: 48px;
    background: var(--gold-pale);
    border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
    font-size: 1.4rem; margin-bottom: 16px;}

.mm-refinance-page .card h3 {font-size: 0.97rem; font-weight: 700; color: var(--navy); margin-bottom: 8px;}

.mm-refinance-page .card p {font-size: 0.85rem; color: var(--text-soft); line-height: 1.65;}

/* ── WHAT IS SECTION ── */

.mm-refinance-page .what-is {background: var(--mist);
    border-top: 1px solid var(--border);
    border-bottom: 1px solid var(--border);}

.mm-refinance-page .what-is-grid {display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: start;}

.mm-refinance-page .info-block h2 {font-family: "Playfair Display", serif;
    font-size: 1.5rem; font-weight: 700; color: var(--navy);
    margin-bottom: 14px;}

.mm-refinance-page .info-block p {color: var(--text-soft); font-size: 0.9rem; line-height: 1.75; margin-bottom: 14px;}

.mm-refinance-page .info-block ul {list-style: none; display: flex; flex-direction: column; gap: 9px;}

.mm-refinance-page .info-block ul li {display: flex; align-items: flex-start; gap: 10px;
    font-size: 0.87rem; color: var(--text-soft);}

.mm-refinance-page .info-block ul li::before {content: "✓";
    color: var(--gold);
    font-weight: 700; flex-shrink: 0; margin-top: 1px;}

.mm-refinance-page .equity-example {background: var(--navy);
    border-radius: var(--radius);
    padding: 28px 24px; margin-top: 20px;}

.mm-refinance-page .equity-example h4 {color: var(--gold-light); font-size: 0.82rem; font-weight: 600; letter-spacing: 0.8px; text-transform: uppercase; margin-bottom: 18px;}

.mm-refinance-page .equity-row {display: flex; justify-content: space-between; align-items: center;
    padding: 10px 0; border-bottom: 1px solid rgba(255,255,255,0.1);
    font-size: 0.87rem;}

.mm-refinance-page .equity-row:last-child {border-bottom: none;}

.mm-refinance-page .equity-row .label {color: rgba(255,255,255,0.6);}

.mm-refinance-page .equity-row .value {font-weight: 600; color: var(--white);}

.mm-refinance-page .equity-row .value.highlight {color: var(--gold-light); font-size: 1rem;}

/* ── BENEFITS ── */

.mm-refinance-page .benefits {background: var(--navy);}

.mm-refinance-page .benefits .section-title, .mm-refinance-page .benefits .section-eyebrow {color: var(--gold-light);}

.mm-refinance-page .benefits .section-eyebrow {color: var(--gold);}

.mm-refinance-page .benefits .section-sub {color: rgba(255,255,255,0.6);}

.mm-refinance-page .benefits .divider {background: var(--gold);}

.mm-refinance-page .benefits-grid {display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 20px;}

.mm-refinance-page .benefit-card {background: rgba(255,255,255,0.05);
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: var(--radius); padding: 26px 22px;
    transition: all 0.25s;}

.mm-refinance-page .benefit-card:hover {background: rgba(200,151,42,0.1);
    border-color: rgba(200,151,42,0.3);}

.mm-refinance-page .benefit-card .icon {font-size: 1.6rem; margin-bottom: 14px; display: block;}

.mm-refinance-page .benefit-card h3 {font-size: 0.95rem; font-weight: 700; color: var(--white); margin-bottom: 8px;}

.mm-refinance-page .benefit-card p {font-size: 0.83rem; color: rgba(255,255,255,0.55); line-height: 1.65;}

/* ── PROCESS ── */

.mm-refinance-page .process-steps {display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
    gap: 0; position: relative;}

.mm-refinance-page .process-steps::before {content: "";
    position: absolute; top: 36px; left: 10%; right: 10%; height: 2px;
    background: linear-gradient(90deg, var(--gold) 0%, var(--gold-light) 100%);
    z-index: 0;}

.mm-refinance-page .step {text-align: center; padding: 0 16px; position: relative; z-index: 1;}

.mm-refinance-page .step-num {width: 56px; height: 56px;
    background: var(--gold); color: #fff;
    border-radius: 50%; display: flex; align-items: center; justify-content: center;
    font-weight: 800; font-size: 1rem; margin: 0 auto 20px;
    box-shadow: 0 4px 16px rgba(200,151,42,0.35);}

.mm-refinance-page .step h3 {font-size: 0.87rem; font-weight: 700; color: var(--navy); margin-bottom: 6px;}

.mm-refinance-page .step p {font-size: 0.78rem; color: var(--text-soft); line-height: 1.55;}

/* ── ELIGIBILITY ── */

.mm-refinance-page .elig-grid {display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 20px;}

.mm-refinance-page .elig-card {background: var(--white);
    border: 1.5px solid var(--border);
    border-radius: var(--radius); padding: 26px 22px;}

.mm-refinance-page .elig-card .icon {width: 44px; height: 44px;
    background: var(--gold-pale); border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 1.2rem; margin-bottom: 14px;}

.mm-refinance-page .elig-card h3 {font-size: 0.9rem; font-weight: 700; color: var(--navy); margin-bottom: 6px;}

.mm-refinance-page .elig-card p {font-size: 0.82rem; color: var(--text-soft); line-height: 1.6;}

/* ── DOCS ── */

.mm-refinance-page .docs-section {background: var(--mist);}

.mm-refinance-page .docs-grid {display: grid; grid-template-columns: 1fr 1fr; gap: 28px;}

.mm-refinance-page .doc-box {background: var(--white);
    border: 1.5px solid var(--border); border-radius: var(--radius); padding: 28px 24px;}

.mm-refinance-page .doc-box h3 {font-size: 0.97rem; font-weight: 700; color: var(--navy);
    margin-bottom: 18px; display: flex; align-items: center; gap: 8px;}

.mm-refinance-page .doc-box ul {list-style: none; display: flex; flex-direction: column; gap: 8px;}

.mm-refinance-page .doc-box ul li {font-size: 0.85rem; color: var(--text-soft);
    display: flex; align-items: center; gap: 9px;}

.mm-refinance-page .doc-box ul li::before {content: "📄";
    font-size: 0.8rem; flex-shrink: 0;}

/* ── TESTIMONIALS ── */

.mm-refinance-page .testimonials {background: var(--gold-pale); border-top: 1px solid #EDE0C4; border-bottom: 1px solid #EDE0C4;}

.mm-refinance-page .testimonials-grid {display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 22px;}

.mm-refinance-page .testimonial {background: var(--white);
    border-radius: var(--radius); padding: 28px 24px;
    border: 1.5px solid #EDE0C4;
    box-shadow: 0 2px 12px rgba(200,151,42,0.06);}

.mm-refinance-page .stars {color: var(--gold); font-size: 0.9rem; margin-bottom: 14px; letter-spacing: 2px;}

.mm-refinance-page .testimonial blockquote {font-size: 0.88rem; color: var(--text-soft); line-height: 1.7;
    font-style: italic; margin-bottom: 18px;
    border-left: 3px solid var(--gold); padding-left: 14px;}

.mm-refinance-page .reviewer {display: flex; align-items: center; gap: 12px;}

.mm-refinance-page .reviewer-avatar {width: 42px; height: 42px; border-radius: 50%;
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    display: flex; align-items: center; justify-content: center;
    font-weight: 700; font-size: 0.95rem; color: var(--navy); flex-shrink: 0;}

.mm-refinance-page .reviewer-name {font-size: 0.87rem; font-weight: 700; color: var(--navy);}

.mm-refinance-page .reviewer-tag {font-size: 0.75rem; color: var(--text-soft);}

.mm-refinance-page .testimonial-badge {display: inline-block; font-size: 0.68rem; font-weight: 600; letter-spacing: 0.5px;
    text-transform: uppercase; padding: 3px 9px; border-radius: 50px;
    background: var(--gold-pale); color: var(--gold); border: 1px solid #DCC97A;
    margin-top: 6px;}

/* ── AREAS ── */

.mm-refinance-page .areas-grid {display: flex; flex-wrap: wrap; gap: 12px;}

.mm-refinance-page .area-pill {background: var(--white); border: 1.5px solid var(--border);
    border-radius: 50px; padding: 10px 22px;
    font-size: 0.87rem; font-weight: 600; color: var(--navy);
    display: flex; align-items: center; gap: 7px;
    transition: all 0.2s;}

.mm-refinance-page .area-pill:hover {border-color: var(--gold); color: var(--gold); background: var(--gold-pale);}

.mm-refinance-page .area-pill .pin {font-size: 0.85rem;}

/* ── PARTNERS ── */

.mm-refinance-page .partners {background: var(--navy); overflow: hidden; padding: 56px 5%;}

.mm-refinance-page .partners .section-title {color: var(--white);}

.mm-refinance-page .partners .section-eyebrow {color: var(--gold);}

.mm-refinance-page .partners-track-wrap {overflow: hidden; position: relative;}

.mm-refinance-page .partners-track-wrap::before, .mm-refinance-page .partners-track-wrap::after {content: "";
    position: absolute; top: 0; bottom: 0; width: 80px; z-index: 2; pointer-events: none;}

.mm-refinance-page .partners-track-wrap::before {left: 0; background: linear-gradient(to right, var(--navy), transparent);}

.mm-refinance-page .partners-track-wrap::after {right: 0; background: linear-gradient(to left, var(--navy), transparent);}

.mm-refinance-page .partners-track {display: flex; gap: 0; width: max-content;
    animation: scroll-partners 28s linear infinite;}

@keyframes scroll-partners {0% { transform: translateX(0); }
    100% { transform: translateX(-50%); }}

.mm-refinance-page .partner-logo {background: rgba(255,255,255,0.08);
    border: 1px solid rgba(255,255,255,0.12);
    border-radius: 10px; padding: 16px 28px;
    margin: 0 10px;
    font-size: 0.8rem; font-weight: 700; color: rgba(255,255,255,0.6);
    letter-spacing: 0.5px; white-space: nowrap;
     text-align: center;
    transition: all 0.2s;}

/* ── FAQ ── */

.mm-refinance-page .faq-list {max-width: 800px;}

.mm-refinance-page .faq-item {border: 1.5px solid var(--border); border-radius: var(--radius);
    margin-bottom: 10px; overflow: hidden;}

.mm-refinance-page .faq-q {padding: 18px 22px;
    display: flex; justify-content: space-between; align-items: center;
    cursor: pointer; gap: 14px;
    font-size: 0.9rem; font-weight: 600; color: var(--navy);
    user-select: none; transition: background 0.2s;}

.mm-refinance-page .faq-q:hover {background: var(--mist);}

.mm-refinance-page .faq-q .chevron {flex-shrink: 0; color: var(--gold); font-size: 1.1rem; transition: transform 0.2s;}

.mm-refinance-page .faq-a {display: none; padding: 0 22px 18px;
    font-size: 0.87rem; color: var(--text-soft); line-height: 1.7;}

.mm-refinance-page .faq-item.open .faq-a {display: block;}

.mm-refinance-page .faq-item.open .chevron {transform: rotate(180deg);}

.mm-refinance-page .faq-item.open .faq-q {background: var(--mist);}

/* ── CTA STRIP ── */

.mm-refinance-page .cta-strip {background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 60%, #0D2B4E 100%);
    padding: 72px 5%;
    text-align: center; position: relative; overflow: hidden;}

.mm-refinance-page .cta-strip::before {content: "";
    position: absolute; top: -100px; left: 50%; transform: translateX(-50%);
    width: 600px; height: 400px;
    background: radial-gradient(ellipse, rgba(200,151,42,0.15) 0%, transparent 65%);
    pointer-events: none;}

.mm-refinance-page .cta-strip h2 {font-family: "Playfair Display", serif;
    font-size: clamp(1.5rem, 3vw, 2.2rem);
    color: var(--white); margin-bottom: 14px;}

.mm-refinance-page .cta-strip h2 span {color: var(--gold-light);}

.mm-refinance-page .cta-strip p {color: rgba(255,255,255,0.65); font-size: 1rem; margin-bottom: 36px; max-width: 560px; margin-left: auto; margin-right: auto;}

.mm-refinance-page .cta-btns {display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; margin-bottom: 42px;}

.mm-refinance-page .cta-checklist {display: flex; flex-wrap: wrap; gap: 12px; justify-content: center;}

.mm-refinance-page .cta-check {display: flex; align-items: center; gap: 7px;
    font-size: 0.82rem; color: rgba(255,255,255,0.7);}

.mm-refinance-page .cta-check .tick {width: 18px; height: 18px;
    background: rgba(200,151,42,0.2); border: 1px solid var(--gold);
    border-radius: 50%; display: flex; align-items: center; justify-content: center;
    font-size: 0.65rem; color: var(--gold-light); flex-shrink: 0;}

/* ── FOOTER ── */

.mm-refinance-page .footer {background: #060F1E; padding: 48px 5% 28px;
    color: rgba(255,255,255,0.55);}

.mm-refinance-page .footer-grid {max-width: 1200px; margin: 0 auto;
    display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 48px;
    margin-bottom: 36px;}

.mm-refinance-page .footer-brand .logo {font-family: "Playfair Display", serif;
    font-size: 1.25rem; font-weight: 700;
    color: var(--gold-light); margin-bottom: 14px; display: block;}

.mm-refinance-page .footer-brand p {font-size: 0.82rem; line-height: 1.7; margin-bottom: 18px;}

.mm-refinance-page .footer-contact a {display: flex; align-items: center; gap: 8px;
    color: rgba(255,255,255,0.55); text-decoration: none;
    font-size: 0.83rem; margin-bottom: 8px; transition: color 0.2s;}

.mm-refinance-page .footer-contact a:hover {color: var(--gold-light);}

.mm-refinance-page .footer-col h4 {font-size: 0.8rem; font-weight: 700; letter-spacing: 0.8px; text-transform: uppercase; color: var(--white); margin-bottom: 16px;}

.mm-refinance-page .footer-col ul {list-style: none; display: flex; flex-direction: column; gap: 8px;}

.mm-refinance-page .footer-col ul li a {color: rgba(255,255,255,0.55); text-decoration: none; font-size: 0.82rem; transition: color 0.2s;}

.mm-refinance-page .footer-col ul li a:hover {color: var(--gold-light);}

.mm-refinance-page .footer-bottom {max-width: 1200px; margin: 0 auto;
    border-top: 1px solid rgba(255,255,255,0.08);
    padding-top: 22px;
    display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 10px;
    font-size: 0.75rem;}

/* ── FLOATING CTA ── */

.mm-refinance-page .float-cta {position: fixed; bottom: 28px; right: 24px;
    display: flex; flex-direction: column; gap: 10px; z-index: 999;}

.mm-refinance-page .float-btn {width: 54px; height: 54px; border-radius: 50%;
    border: none; cursor: pointer;
    display: flex; align-items: center; justify-content: center;
    font-size: 1.35rem; box-shadow: 0 4px 18px rgba(0,0,0,0.22);
    transition: transform 0.2s;
    text-decoration: none;}

.mm-refinance-page .float-btn:hover {transform: scale(1.08);}

.mm-refinance-page .float-wa {background: #25D366;}

.mm-refinance-page .float-call {background: var(--gold);}

/* ── RESPONSIVE ── */

@media (max-width: 900px) {
.mm-refinance-page .hero-inner {grid-template-columns: 1fr;}
.mm-refinance-page .hero-form {max-width: 480px;}
.mm-refinance-page .what-is-grid {grid-template-columns: 1fr;}
.mm-refinance-page .docs-grid {grid-template-columns: 1fr;}
.mm-refinance-page .footer-grid {grid-template-columns: 1fr 1fr;}
.mm-refinance-page .process-steps::before {display: none;}
.mm-refinance-page .process-steps {grid-template-columns: 1fr 1fr; gap: 28px;}
}

@media (max-width: 580px) {
.mm-refinance-page section {padding: 52px 5%;}
.mm-refinance-page .hero {padding: 48px 5% 44px;}
.mm-refinance-page .hero-stats {gap: 20px;}
.mm-refinance-page .footer-grid {grid-template-columns: 1fr; gap: 32px;}
.mm-refinance-page .process-steps {grid-template-columns: 1fr;}
}

.mm-refinance-page .form-alert {
  border-radius: 8px;
  font-size: 0.8rem;
  line-height: 1.5;
  margin-bottom: 14px;
  padding: 10px 12px;
}

.mm-refinance-page .form-alert-success {
  background: rgba(30, 140, 90, 0.1);
  border: 1px solid rgba(30, 140, 90, 0.28);
  color: var(--success);
}

.mm-refinance-page .form-alert-error {
  background: #FFF3F0;
  border: 1px solid #FFD2C8;
  color: #B23B2E;
}

.mm-refinance-page .form-group input.is-invalid,
.mm-refinance-page .form-group select.is-invalid {
  border-color: #B23B2E;
  background: #FFF9F8;
}

.mm-refinance-page .invalid-feedback {
  color: #B23B2E;
  display: block;
  font-size: 0.72rem;
  font-weight: 500;
  margin-top: 4px;
}

@media (max-width: 767px) {
    .twr-reinance-order-2 {
    order: 2;
}
}