/* Zinga Financial Services: inner pages, Design A "Chapters" */

:root {
  --ink: #0e2340;
  --muted: #4a5a6e;
  --navy: #13233f;
  --deep: #0f1c33;
  --green: #0c7f50;
  --green-h: #0a6b43;
  --sky: #3fa9e0;
  --link: #0b6fa4;
  --link-2: #1b64a0;
  --logo: #00baff;
  --soft: #f4f6f8;
  --paper: #f7f6f2;
  --line: #e2e7ec;
  --line-p: #d9d4c7;
  --num: #66768a;
  --err: #b42318;
  --g-star: #f5a700;
  --tp: #00b67a;
  --ff-h: "Plus Jakarta Sans", "Figtree", system-ui, sans-serif;
  --ff: "Figtree", system-ui, -apple-system, "Segoe UI", sans-serif;
  --hdr-h: 80px;
  --gutter: 24px;
  --max: 1200px;
  --ease: cubic-bezier(.2, .7, .2, 1);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; text-size-adjust: 100%; scroll-padding-top: calc(var(--hdr-h) + 16px); }
@media (prefers-reduced-motion: no-preference) { html { scroll-behavior: smooth; } }
body {
  margin: 0;
  background: #fff;
  color: var(--ink);
  font: 400 16.5px/1.65 var(--ff);
  -webkit-font-smoothing: antialiased;
  overflow-x: clip;
}
body.no-scroll { overflow: hidden; }
img { display: block; max-width: 100%; height: auto; }
a { color: var(--link); text-underline-offset: 3px; }
h1, h2, h3, p, ul, ol, dl, dd, figure, blockquote, fieldset { margin: 0; padding: 0; }
ul, ol { list-style: none; }
fieldset { border: 0; min-width: 0; }
button, input, textarea, select { font: inherit; color: inherit; }
button { cursor: pointer; }
h1, h2, h3 { font-family: var(--ff-h); color: var(--ink); text-wrap: balance; }
.sr { position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.ico { flex: none; display: block; }
.wrap { width: min(var(--max), calc(100% - 2 * var(--gutter))); margin-inline: auto; }

:focus-visible { outline: 2px solid var(--link); outline-offset: 3px; border-radius: 4px; }
/* White rings only where the background is navy or photo; the white enquiry card inside the Talk band keeps the blue ring. */
.hero :focus-visible, .talk__head :focus-visible, .adv :focus-visible, .ftr :focus-visible, .drawer :focus-visible, .risk :focus-visible,
.hdr:not(.is-solid) :focus-visible { outline-color: #fff; }

.skip {
  position: fixed; left: 16px; top: -60px; z-index: 100;
  background: var(--ink); color: #fff; padding: 12px 16px; border-radius: 8px; font-weight: 600; text-decoration: none;
}
.skip:focus { top: 12px; }

/* ---------------------------------------------------------------- buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 48px; padding: 0 22px; border-radius: 8px; border: 1.5px solid transparent;
  font: 600 15.5px/1 var(--ff); text-decoration: none; white-space: nowrap;
  transition: background-color .18s, color .18s, border-color .18s, transform .18s;
}
.btn--lg { min-height: 52px; padding: 0 24px; font-size: 16px; }
.btn--block { width: 100%; }
.btn--green { background: var(--green); color: #fff; }
.btn--green:hover { background: var(--green-h); }
.btn--green .ico { transition: transform .2s var(--ease); }
.btn--green:hover .ico { transform: translateX(3px); }
.btn--glass { color: #fff; border-color: rgba(255, 255, 255, .55); background: rgba(255, 255, 255, .06); }
.btn--glass:hover { background: rgba(255, 255, 255, .16); border-color: #fff; }
.btn--outline { color: var(--ink); border-color: var(--ink); background: #fff; }
.btn--outline:hover { background: var(--ink); color: #fff; }
.btn--line-light { color: #fff; border-color: rgba(255, 255, 255, .7); background: transparent; }
.btn--line-light:hover { background: #fff; color: var(--ink); }

.link-arrow {
  display: inline-flex; align-items: center; gap: 8px; min-height: 44px;
  color: var(--link-2); font-weight: 600; text-decoration: none;
}
.link-arrow:hover { text-decoration: underline; }
.link-arrow .ico { transition: transform .2s var(--ease); }
.link-arrow:hover .ico { transform: translateX(3px); }

/* ---------------------------------------------------------------- header */
.hdr {
  position: fixed; inset: 0 0 auto; z-index: 60; height: var(--hdr-h);
  color: #fff; border-bottom: 1px solid rgba(255, 255, 255, .16);
  transition: background-color .2s, box-shadow .2s, border-color .2s, color .2s;
}
.hdr.is-solid {
  background: #fff; color: var(--ink); border-bottom-color: transparent;
  box-shadow: 0 1px 0 var(--line), 0 8px 24px rgba(14, 35, 64, .06);
}
.hdr__in { height: 100%; display: flex; align-items: center; gap: 28px; }
.hdr__logo { display: block; flex: none; border-radius: 4px; }
.hdr__logo img { height: 40px; width: auto; }
.logo-c, .hdr.is-solid .logo-w { display: none; }
.hdr.is-solid .logo-c { display: block; }
.hdr__nav { margin-inline: auto; }
.menu { display: flex; align-items: center; gap: 2px; }
.menu__item { position: relative; }
.menu__btn, .menu__link {
  display: inline-flex; align-items: center; gap: 6px; height: 44px; padding: 0 13px;
  border: 0; border-radius: 8px; background: none; color: inherit;
  font: 600 15.5px/1 var(--ff); text-decoration: none;
}
.menu__btn:hover, .menu__link:hover, .menu__btn[aria-expanded="true"] { background: rgba(255, 255, 255, .12); }
.hdr.is-solid .menu__btn:hover, .hdr.is-solid .menu__link:hover, .hdr.is-solid .menu__btn[aria-expanded="true"] { background: var(--soft); }
.ico--chev { transition: transform .2s; }
.menu__btn[aria-expanded="true"] .ico--chev { transform: rotate(180deg); }

.dd {
  position: absolute; top: calc(100% + 16px); left: -8px; z-index: 5;
  min-width: 320px; padding: 10px; background: #fff; color: var(--ink);
  border: 1px solid var(--line); border-radius: 12px; box-shadow: 0 24px 48px rgba(14, 35, 64, .14);
}
.dd[hidden] { display: none; }
.dd--wide { width: 560px; }
.dd--narrow { min-width: 260px; }
.dd--wide .dd__list { display: grid; grid-template-columns: 1fr 1fr; gap: 2px; }
.dd__link {
  display: flex; flex-direction: column; gap: 2px; min-height: 44px; padding: 10px 12px;
  border-radius: 8px; color: var(--ink); text-decoration: none;
}
.dd__link:hover, .dd__link:focus-visible { background: var(--soft); }
.dd__label { font-weight: 600; font-size: 15px; line-height: 1.3; }
.dd__desc { font-size: 13px; line-height: 1.4; color: var(--muted); }
.dd__link--plain { justify-content: center; font-weight: 600; font-size: 15px; }
.dd__link--sub { padding-left: 28px; font-weight: 500; color: var(--muted); position: relative; }
.dd__link--sub::before { content: ""; position: absolute; left: 14px; top: 50%; width: 8px; height: 1.5px; background: var(--line-p); }
.dd__foot {
  display: flex; align-items: center; gap: 8px; min-height: 44px; margin-top: 8px; padding: 10px 12px 4px;
  border-top: 1px solid var(--line); color: var(--link-2); font-weight: 600; font-size: 15px; text-decoration: none;
}
.dd__foot:hover { text-decoration: underline; }

.hdr__actions { display: flex; align-items: center; gap: 20px; flex: none; }
.hdr__phone { display: flex; flex-direction: column; color: inherit; text-decoration: none; line-height: 1.15; }
.hdr__phone-l { font-size: 12px; opacity: .85; }
.hdr__phone-n { font: 700 16px/1.2 var(--ff-h); }
.btn--hdr { min-height: 44px; padding: 0 18px; background: #fff; color: var(--ink); font-size: 15px; }
.btn--hdr:hover { background: #e9eef3; }
.hdr.is-solid .btn--hdr { background: var(--green); color: #fff; }
.hdr.is-solid .btn--hdr:hover { background: var(--green-h); }
.hdr__m { display: none; }

/* ---------------------------------------------------------------- drawer (mobile) */
.drawer {
  position: fixed; inset: 0; z-index: 80; display: flex; flex-direction: column;
  background: var(--deep); color: #fff; padding: 0 16px calc(16px + env(safe-area-inset-bottom));
  transform: translateX(100%); visibility: hidden;
  transition: transform .24s var(--ease), visibility 0s linear .24s;
  overflow-y: auto; overscroll-behavior: contain;
}
.drawer.is-open { transform: none; visibility: visible; transition: transform .24s var(--ease), visibility 0s; }
.drawer__top { display: flex; align-items: center; justify-content: space-between; height: 64px; flex: none; }
.drawer__top img { height: 34px; width: auto; }
.drawer__close {
  width: 44px; height: 44px; display: grid; place-items: center; border-radius: 10px;
  border: 1px solid rgba(255, 255, 255, .25); background: transparent; color: #fff;
}
.drawer__nav { margin-top: 12px; }
.drawer__list > li { border-bottom: 1px solid rgba(255, 255, 255, .1); }
.drawer__grp {
  display: flex; align-items: center; justify-content: space-between; width: 100%; min-height: 56px;
  background: none; border: 0; padding: 0; color: #fff; text-align: left; text-decoration: none;
  font: 700 22px/1.2 var(--ff-h); letter-spacing: -.01em;
}
.drawer__grp .ico--plus { transition: transform .2s; color: var(--logo); }
.drawer__grp[aria-expanded="true"] .ico--plus { transform: rotate(45deg); }
.drawer__sub { padding: 0 0 12px; }
.drawer__sub[hidden] { display: none; }
.drawer__sub a {
  display: flex; align-items: center; min-height: 48px; color: #dbe3ec; text-decoration: none; font-size: 16px;
  border-top: 1px solid rgba(255, 255, 255, .1);
}
.drawer__sub a.is-sub { padding-left: 18px; }
.drawer__foot { margin-top: auto; padding-top: 24px; display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.drawer__act {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: 52px;
  border-radius: 8px; border: 1.5px solid rgba(255, 255, 255, .3); color: #fff; text-decoration: none; font-weight: 600; font-size: 15px;
}
.drawer__act { padding: 0 12px; }
.drawer__act--wide { grid-column: 1 / -1; }
.drawer__act--green { background: var(--green); border-color: var(--green); }

/* ---------------------------------------------------------------- hero */
.hero {
  position: relative; isolation: isolate; display: flex; color: #fff; background: var(--navy);
  min-height: clamp(560px, 68vh, 720px);
}
.hero__img { position: absolute; inset: 0; z-index: -2; width: 100%; height: 100%; object-fit: cover; }
.pos-ftb { object-position: 62% 50%; }
.pos-rem { object-position: 55% 62%; }
.pos-btl { object-position: 70% 50%; }
.pos-cd { object-position: 72% 35%; }
.pos-uxb { object-position: 50% 40%; }
.hero__img--flip { transform: scaleX(-1); }
.hero::before {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background:
    linear-gradient(180deg, rgba(14, 35, 64, .55) 0, rgba(14, 35, 64, 0) 160px),
    linear-gradient(90deg, rgba(14, 35, 64, .86) 0%, rgba(14, 35, 64, .62) 42%, rgba(14, 35, 64, .18) 78%);
}
.hero__in {
  display: grid; grid-template-columns: repeat(12, minmax(0, 1fr)); grid-template-rows: auto 1fr;
  column-gap: 24px; padding: calc(var(--hdr-h) + 24px) 0 120px;
}
.crumbs { grid-column: 1 / -1; font-size: 13.5px; color: #dbe3ec; }
.crumbs ol { display: flex; flex-wrap: wrap; align-items: center; }
.crumbs li { display: flex; align-items: center; }
.crumbs li + li::before { content: "/"; margin: 0 10px; opacity: .55; }
.crumbs a { color: #dbe3ec; text-decoration: none; display: inline-flex; align-items: center; min-height: 32px; }
.crumbs a:hover { color: #fff; text-decoration: underline; }
.crumbs [aria-current] { color: #fff; font-weight: 600; }
.hero__text { grid-column: 1 / 8; align-self: end; padding-top: 40px; }
.hero__eyebrow { font: 700 13px/1 var(--ff); letter-spacing: .14em; text-transform: uppercase; color: rgba(255, 255, 255, .8); margin-bottom: 16px; }
.hero__h1 {
  color: #fff; font-weight: 800; font-size: 52px; line-height: 1.08; letter-spacing: -.025em; max-width: 17ch;
}
.hero__h1--wide { max-width: 19ch; }
.hero__rule { display: block; width: 72px; height: 3px; background: var(--logo); margin: 22px 0; border-radius: 2px; }
.hero__sub { font-size: 17.5px; line-height: 1.55; color: #dbe3ec; max-width: 46ch; }
.hero__ctas { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }

.trust {
  grid-column: 8 / 13; align-self: end; display: grid; grid-template-columns: 1fr 1fr 1.2fr;
  background: rgba(15, 28, 51, .55); border: 1px solid rgba(255, 255, 255, .18); border-radius: 14px;
  -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px);
}
@supports not ((backdrop-filter: blur(1px)) or (-webkit-backdrop-filter: blur(1px))) { .trust { background: rgba(15, 28, 51, .85); } }
.trust__cell { padding: 18px 18px; display: flex; flex-direction: column; gap: 6px; min-width: 0; }
.trust__cell + .trust__cell { border-left: 1px solid rgba(255, 255, 255, .16); }
.trust__l { font-size: 12px; line-height: 1; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: #b9c6d6; }
.trust__stars { display: flex; gap: 1px; color: var(--g-star); height: 22px; align-items: center; }
.trust__tp { display: flex; align-items: center; gap: 8px; height: 22px; }
.tp-mark { width: 20px; height: 20px; display: grid; place-items: center; background: var(--tp); color: #fff; border-radius: 3px; }
.trust__big { font: 800 20px/1 var(--ff-h); color: #fff; }
.trust__v { font-size: 14px; line-height: 1.3; color: #fff; }
.trust__mk { display: flex; align-items: center; height: 22px; color: #9fdcff; }
.trust__v--strong { font: 700 15.5px/1.3 var(--ff-h); }

/* ---------------------------------------------------------------- sheet + chapter frame */
.sheet {
  position: relative; z-index: 2; background: #fff; margin-top: -64px;
  border-radius: 28px 28px 0 0; overflow: clip;
}
.frame { display: grid; grid-template-columns: 200px minmax(0, 1fr); column-gap: 72px; }
.chbar { display: none; }
.rail { grid-column: 1; grid-row: 1; padding-top: 64px; padding-bottom: 64px; }
.chapters { grid-column: 2; grid-row: 1; min-width: 0; }
.rail__in { position: sticky; top: 112px; z-index: 3; }
.rail__label { font-size: 12px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); margin-bottom: 14px; }
.rail__body { position: relative; padding-left: 18px; }
.rail__track { position: absolute; left: 0; top: 4px; bottom: 4px; width: 2px; background: var(--line); border-radius: 2px; overflow: hidden; }
.rail__fill { position: absolute; inset: 0; background: var(--link); transform-origin: top; transform: scaleY(var(--progress, 0)); transition: transform .15s linear; }
.rail__a { display: flex; align-items: center; gap: 12px; min-height: 44px; text-decoration: none; border-radius: 6px; }
.rail__n { font: 700 13px/1 var(--ff-h); color: var(--num); font-variant-numeric: tabular-nums; width: 20px; }
.rail__t { font: 600 14.5px/1.25 var(--ff); color: var(--muted); transition: color .15s; }
.rail__a:hover .rail__t { color: var(--ink); }
.rail__a[aria-current="true"] .rail__t { color: var(--ink); }
.rail__a[aria-current="true"] .rail__n { color: var(--link); }
.rail__cta {
  display: flex; align-items: center; gap: 8px; min-height: 44px; margin-top: 18px; padding-top: 14px;
  border-top: 1px solid var(--line); color: var(--link-2); font-weight: 600; font-size: 14.5px; text-decoration: none;
}
.rail__cta:hover { text-decoration: underline; }

.ch {
  --band: #fff; --rule: var(--line); --numc: var(--line);
  position: relative; padding: 64px 0; scroll-margin-top: 112px;
  border-image: linear-gradient(var(--band) 0 0) fill 0 / 0 / 0 100vmax;
}
.ch--paper { --band: var(--paper); --rule: var(--line-p); --numc: #e6e2d8; }
.ch--soft { --band: var(--soft); --rule: #dbe2e9; --numc: #e2e7ec; }
/* Opener: hairline, then the eyebrow and h2 on the left with the big numeral beside them (one row, not two). */
.ch { display: grid; grid-template-columns: minmax(0, 1fr) auto; column-gap: 24px; }
.ch > * { grid-column: 1 / -1; min-width: 0; }
.ch::before { content: ""; grid-column: 1 / -1; grid-row: 1; border-top: 1px solid var(--rule); margin-bottom: 18px; }
.ch__open { display: contents; }
.ch__eyebrow { grid-column: 1; grid-row: 2; align-self: end; margin-bottom: 14px; }
.ch__num { grid-column: 2; grid-row: 2 / 4; align-self: start; }
.ch > .ch__h { grid-column: 1; grid-row: 3; }
.ch__eyebrow {
  display: flex; align-items: center; gap: 12px;
  font-size: 13px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--link); line-height: 1;
}
.ch__bar { width: 28px; height: 3px; background: var(--sky); border-radius: 2px; }
.ch__eyebrow--dark { color: #9fdcff; }
.ch__num { font: 800 56px/.8 var(--ff-h); color: var(--numc); letter-spacing: -.03em; font-variant-numeric: tabular-nums; }
.ch--soft .ch__num { color: #dfe5eb; }
.ch__h {
  font-weight: 600; font-size: 38px; line-height: 1.12; letter-spacing: -.02em; max-width: 22ch; margin-bottom: 32px;
}
.kw { font-weight: 800; }
.nw { white-space: nowrap; }
.ch__note { font-size: 15px; color: var(--muted); margin: -20px 0 28px; }

/* reveal (only applied by JS to content below the fold) */
[data-reveal].is-pending { opacity: 0; transform: translateY(12px); }
[data-reveal].is-in { opacity: 1; transform: none; transition: opacity .42s var(--ease), transform .42s var(--ease); }

/* ---------------------------------------------------------------- 01 answer */
.answer { display: grid; grid-template-columns: 7fr 5fr; gap: 48px; align-items: start; }
.answer__lede { font-weight: 500; font-size: 17.5px; line-height: 1.7; color: var(--ink); max-width: 60ch; }
.who { background: var(--soft); border-radius: 20px; padding: 28px; }
.who__h { font-size: 20px; font-weight: 700; margin-bottom: 10px; letter-spacing: -.01em; }
.who p { font-size: 16px; color: var(--muted); }
.who .link-arrow { margin-top: 14px; padding-top: 12px; border-top: 1px solid var(--line); width: 100%; }

/* ---------------------------------------------------------------- 02 options */
.tiles { display: grid; grid-template-columns: 7fr 5fr; grid-template-rows: auto auto; gap: 20px; }
.tile {
  position: relative; display: flex; flex-direction: column; border-radius: 20px; padding: 32px;
  background: var(--soft); border: 1px solid transparent;
  transition: transform .2s var(--ease), border-color .2s;
}
.tile--1 { grid-row: 1 / 3; justify-content: flex-end; min-height: 0; padding-top: 168px; }
.tile--2 { background: var(--paper); }
.tile:hover, .tile:focus-within { transform: translateY(-2px); border-color: #cfd8e2; }
.tile__icon { color: var(--link); margin-bottom: 22px; }
.tile { overflow: hidden; }
.tile__mark { position: absolute; right: -24px; top: -36px; color: #dde4eb; pointer-events: none; }
.tile__mark .ico { width: 300px; height: 300px; stroke-width: 1; }
.tile--1 .tile__icon { margin-bottom: 18px; }
.tile--1 .tile__p { max-width: 46ch; }
.tile--2, .tile--3 { display: grid; grid-template-columns: 36px minmax(0, 1fr); column-gap: 16px; padding: 24px 26px 18px; }
.tile--2 > *, .tile--3 > * { grid-column: 2; }
.tile--2 > .tile__icon, .tile--3 > .tile__icon { grid-column: 1; grid-row: 1 / 3; margin: 2px 0 0; }
.tile--2 .tile__icon .ico, .tile--3 .tile__icon .ico { width: 36px; height: 36px; }
.tile--2 .tile__h, .tile--3 .tile__h { font-size: 20px; margin-bottom: 6px; }
.tile--2 .tile__p, .tile--3 .tile__p { font-size: 15.5px; line-height: 1.55; }
.tile--2 .tile__btn, .tile--3 .tile__btn { padding-top: 12px; }
.tile__icon { position: relative; }
.tile__icon .ico { width: 44px; height: 44px; }
.tile__h { font-size: 22px; font-weight: 700; letter-spacing: -.015em; line-height: 1.25; margin-bottom: 8px; }
.tile--1 .tile__h { font-size: 24px; }
.tile__p { color: var(--muted); font-size: 16px; max-width: 40ch; text-wrap: pretty; }
.tile__btn {
  display: inline-flex; align-items: center; gap: 12px; margin-top: auto; padding-top: 24px; align-self: flex-start;
  color: var(--ink); font-weight: 600; font-size: 15.5px; text-decoration: none; border-radius: 999px;
}
.tile__btn::after { content: ""; position: absolute; inset: 0; border-radius: 20px; }
.tile__circle {
  width: 44px; height: 44px; border-radius: 50%; display: grid; place-items: center;
  border: 1.5px solid var(--ink); transition: background-color .18s, color .18s;
}
.tile:hover .tile__circle, .tile__btn:focus-visible .tile__circle { background: var(--ink); color: #fff; }

/* ---------------------------------------------------------------- 03 timeline */
.timeline { position: relative; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 32px; }
.timeline::before {
  content: ""; position: absolute; left: 7px; right: calc((100% - 124px) / 4); top: 36px; height: 2px; background: var(--line-p);
  transform-origin: left; transform: scaleX(var(--draw, 1));
}
.timeline.is-pending::before { --draw: 0; }
.timeline.is-in::before { --draw: 1; transition: transform .9s var(--ease) .1s; }
.step-i { position: relative; }
.step-i__l { font-size: 12px; line-height: 16px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); margin-bottom: 14px; }
.step-i__dot { position: relative; display: block; width: 14px; height: 14px; border-radius: 50%; background: #fff; border: 2px solid var(--ink); margin-bottom: 24px; }
.step-i:first-child .step-i__dot { background: var(--green); border-color: var(--green); }
.step-i__h { font-size: 20px; font-weight: 700; letter-spacing: -.01em; line-height: 1.3; margin-bottom: 8px; }
.step-i__p { font-size: 16px; color: var(--muted); }

/* ---------------------------------------------------------------- 04 costs + risk */
.costs { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.costs__h { font-size: 20px; font-weight: 700; margin-bottom: 8px; }
.checklist li {
  display: flex; align-items: center; gap: 14px; min-height: 52px; padding: 9px 0;
  border-bottom: 1px solid var(--line); font-size: 16.5px; line-height: 1.45; color: var(--ink);
}
.checklist li:first-child { border-top: 1px solid var(--line); }
.checklist .ico { color: var(--green); }
.checklist--icons .ico { color: var(--link); }
.risk {
  position: relative; background: var(--navy); color: #fff; border-radius: 20px; padding: 36px;
}
.risk::before { content: ""; position: absolute; left: 0; top: 28px; bottom: 28px; width: 4px; border-radius: 0 2px 2px 0; background: var(--logo); }
.risk__h { font: 700 13px/1 var(--ff); letter-spacing: .14em; text-transform: uppercase; color: #9fdcff; margin-bottom: 16px; }
.risk__p { font: 700 20px/1.5 var(--ff-h); color: #fff; letter-spacing: -.005em; }

/* ---------------------------------------------------------------- 05 calculators + cover */
.calcs { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; }
.calcs--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.calc, .cover {
  display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line); border-radius: 16px;
  transition: transform .2s var(--ease), border-color .2s;
}
.calc:hover, .cover:hover, .calc:focus-within, .cover:focus-within { transform: translateY(-2px); border-color: #cfd8e2; }
.calc { padding: 28px; }
.calc__go, .cover__body .link-arrow { line-height: 1.2; }
.calc__ico { width: 44px; height: 44px; border-radius: 10px; background: #e6f4fb; color: var(--link); display: grid; place-items: center; margin-bottom: 20px; }
.calc__h { font-size: 20px; font-weight: 700; letter-spacing: -.01em; line-height: 1.3; margin-bottom: 6px; }
.calc__p { font-size: 15.5px; color: var(--muted); line-height: 1.55; }
.calc__l { margin-top: 20px; font-size: 12px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }
.chips { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 10px; }
.chips li { font-size: 13px; line-height: 1; padding: 8px 11px; background: #fff; border: 1px solid var(--line); border-radius: 999px; color: var(--ink); }
.calc__go {
  display: inline-flex; align-items: center; gap: 8px; margin-top: auto; padding-top: 22px; min-height: 48px;
  color: var(--green); font-weight: 700; text-decoration: none;
}
.calc__go:hover { text-decoration: underline; }
.calc__go .ico { transition: transform .2s var(--ease); }
.calc__go:hover .ico { transform: translateX(3px); }
.cover { overflow: hidden; }
.cover__img { width: 100%; aspect-ratio: 16 / 10; object-fit: cover; }
.cover__body { padding: 24px 28px 28px; display: flex; flex-direction: column; flex: 1; }
.cover__body .link-arrow { margin-top: auto; padding-top: 22px; min-height: 48px; }
.calcs__more { margin-top: 16px; }

/* ---------------------------------------------------------------- 06 reviews + lenders */
.revs { display: grid; grid-template-columns: 5fr 7fr; gap: 48px; align-items: start; }
.rev--lead { position: relative; }
.rev__glyph { display: block; font: 800 64px/.8 var(--ff-h); color: var(--sky); height: 40px; margin-bottom: 8px; }
.rev--lead .rev__q p { font: 600 24px/1.45 var(--ff-h); color: var(--ink); letter-spacing: -.01em; }
.attr { display: flex; flex-wrap: wrap; align-items: center; gap: 4px 14px; margin-top: 20px; font-size: 15px; color: var(--muted); }
.attr__name { flex-basis: 100%; font-weight: 700; color: var(--ink); }
.rev__tag { display: inline-flex; margin-bottom: 14px; padding: 5px 11px; border-radius: 999px; background: #e6f4fb; color: var(--ink); font-size: 13px; font-weight: 700; }
.src { display: inline-flex; align-items: center; gap: 6px; font-weight: 600; color: var(--ink); }
.src__mark { width: 9px; height: 9px; border-radius: 50%; background: var(--g-star); }
.src--tp .src__mark { border-radius: 2px; background: var(--tp); }
.revs__h { font-size: 16px; font-weight: 700; margin-bottom: 14px; color: var(--muted); font-family: var(--ff); }
.revs__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.rev--card { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 24px; }
.rev--card .rev__q p { font-size: 16px; line-height: 1.6; color: var(--ink); }
.rev--card .attr { font-size: 14px; margin-top: auto; padding-top: 16px; }
.rev--span { grid-column: 1 / -1; }
.rev-more { margin-top: 12px; }
.rev-more > summary {
  display: inline-flex; align-items: center; gap: 8px; min-height: 44px; padding: 0 16px; border-radius: 10px;
  border: 1px solid var(--line); font-weight: 600; color: var(--ink); cursor: pointer; list-style: none;
}
.rev-more > summary::-webkit-details-marker { display: none; }
.rev-more > summary:hover { border-color: var(--ink); }
.rev-more[open] > summary { margin-bottom: 12px; }
.rev-more[open] > summary .ico--chev { transform: rotate(180deg); }
.revs__side > .link-arrow { margin-top: 8px; }
.lenders {
  display: flex; flex-direction: column; align-items: stretch; gap: 20px; margin-top: 40px; padding-top: 24px; border-top: 1px solid var(--line);
}
.lenders__l { flex: none; font-weight: 600; font-size: 15px; color: var(--muted); }
.lenders__row { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 18px 24px; }
.lenders__row img { height: 22px; width: auto; filter: grayscale(1); opacity: .75; }
.ch--soft .lenders { border-top-color: #dbe2e9; }

/* ---------------------------------------------------------------- 07 FAQ */
.ch--faq .ch__num { grid-row: 2; }
.ch--faq .faq { margin-top: 26px; }
.faq { display: grid; grid-template-columns: 4fr 8fr; gap: 48px; align-items: start; }
.faq__side .ch__h { margin-bottom: 16px; font-size: 34px; }
.faq__side--sticky { position: sticky; top: 132px; }
.faq__help { font-size: 16px; color: var(--muted); }
.faq__list { border-top: 1px solid var(--rule); }
.faq__item { border-bottom: 1px solid var(--rule); }
.faq__q {
  display: flex; align-items: center; justify-content: space-between; gap: 24px; min-height: 64px; padding: 16px 0;
  font: 700 19px/1.35 var(--ff-h); color: var(--ink); cursor: pointer; list-style: none; letter-spacing: -.01em;
}
.faq__q > span:first-child { text-wrap: balance; }
.faq__q::-webkit-details-marker { display: none; }
.faq__q:hover { color: var(--link); }
.faq__pm { position: relative; flex: none; width: 24px; height: 24px; }
.faq__pm::before, .faq__pm::after { content: ""; position: absolute; left: 50%; top: 50%; background: currentColor; border-radius: 2px; }
.faq__pm::before { width: 16px; height: 2px; margin: -1px 0 0 -8px; }
.faq__pm::after { width: 2px; height: 16px; margin: -8px 0 0 -1px; transition: transform .2s var(--ease); }
.faq__item[open] .faq__pm::after { transform: rotate(90deg); }
.faq__a { padding: 0 48px 24px 0; }
.faq__a p { font-size: 16px; color: var(--muted); }

/* ---------------------------------------------------------------- talk band */
.talk { background: var(--navy); color: #fff; padding: 72px 0; scroll-margin-top: 80px; }
.talk__head { margin-bottom: 36px; }
.talk__head .ch__eyebrow { margin-bottom: 18px; }
.talk__h { color: #fff; font-weight: 600; font-size: 38px; line-height: 1.12; letter-spacing: -.02em; }
.talk__h .kw { color: var(--logo); }
.talk__lede { margin-top: 12px; font-size: 17px; color: #dbe3ec; text-wrap: balance; }
.talk__grid { display: grid; grid-template-columns: 4fr 8fr; gap: 48px; align-items: stretch; }

.adv { display: flex; flex-direction: column; background: var(--deep); border-radius: 20px; padding: 16px; border: 1px solid rgba(255, 255, 255, .08); }
.adv__photo { width: 100%; aspect-ratio: 3 / 2; object-fit: cover; object-position: 50% 16%; border-radius: 6px 160px 6px 6px; }
.adv__body { display: flex; flex-direction: column; flex: 1; padding: 14px 8px 2px; }
.adv__name { font-size: 20px; font-weight: 700; color: #fff; line-height: 1.2; }
.adv__name a { display: inline-flex; align-items: center; min-height: 44px; color: #fff; text-decoration: none; }
.adv__name a:hover { text-decoration: underline; }
.adv__title { font-size: 15px; color: #b9c6d6; margin-top: -4px; }
.adv__mail { width: 100%; margin: 14px 0 16px; }
.adv__case { display: flex; align-items: center; gap: 12px; margin-top: auto; padding-top: 14px; border-top: 1px solid rgba(255, 255, 255, .12); }
.adv__case img { width: 48px; height: 48px; border-radius: 50%; object-fit: cover; object-position: 50% 20%; }
.adv__case p { display: flex; flex-direction: column; line-height: 1.3; }
.adv__case-n { font-weight: 700; font-size: 15px; color: #fff; }
.adv__case-t { font-size: 13.5px; color: #b9c6d6; }
.adv__case p { flex: 1; min-width: 0; }
.adv__case-mail {
  display: inline-flex; align-items: center; gap: 6px; flex: none; min-height: 44px; padding: 0 12px; border-radius: 8px;
  border: 1px solid rgba(255, 255, 255, .45); background: transparent; color: #fff; font-weight: 600; font-size: 14px;
  transition: background-color .18s, color .18s;
}
.adv__case-mail:hover { background: #fff; color: var(--ink); }
.adv__case-mail--ink { border-color: var(--ink); color: var(--ink); background: #fff; }
.adv__case-mail--ink:hover { background: var(--ink); color: #fff; }

/* ---------------------------------------------------------------- enquiry */
.enq { display: flex; flex-direction: column; background: #fff; color: var(--ink); border-radius: 20px; padding: 36px; }
.enq__form { display: flex; flex-direction: column; flex: 1; }
.enq__nav { padding-top: 28px; margin-top: auto; }
.enq__head { margin-bottom: 22px; }
.enq__step { font-size: 13px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); margin-bottom: 10px; }
.enq__track { display: block; height: 4px; background: var(--line); border-radius: 4px; overflow: hidden; }
.enq__fill { display: block; height: 100%; width: 100%; background: var(--sky); border-radius: 4px; transition: width .3s var(--ease); }
.enq__form.is-stepped .enq__fill { width: 33.333%; }
.enq__form.is-stepped[data-step="2"] .enq__fill { width: 66.666%; }
.enq__form.is-stepped[data-step="3"] .enq__fill { width: 100%; }
.step + .step { margin-top: 28px; }
.enq__form.is-stepped .step { display: none; margin-top: 0; }
.enq__form.is-stepped .step.is-active { display: block; }
.step__lg { font: 700 22px/1.3 var(--ff-h); letter-spacing: -.01em; color: var(--ink); margin-bottom: 18px; padding: 0; border-radius: 4px; }
.enq__note { display: inline-flex; margin: -6px 0 14px; padding: 6px 12px; border-radius: 999px; background: #e6f4fb; color: var(--ink); font-size: 14px; font-weight: 600; }
.enq__note[hidden] { display: none; }
.choices { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.choice { position: relative; display: flex; }
.choice--full { grid-column: 1 / -1; }
.choice input { position: absolute; opacity: 0; inset: 0; width: 100%; height: 100%; margin: 0; cursor: pointer; }
.choice__box {
  flex: 1; display: flex; align-items: center; justify-content: space-between; gap: 12px; min-height: 64px; padding: 12px 18px;
  background: var(--soft); border: 2px solid transparent; border-radius: 12px; font-weight: 600; font-size: 16px; text-wrap: balance;
  transition: border-color .15s, background-color .15s;
}
.choice:hover .choice__box { border-color: #cfd8e2; }
.choice input:checked + .choice__box { border-color: var(--ink); background: #fff; }
.choice input:focus-visible + .choice__box { outline: 2px solid var(--link); outline-offset: 3px; }
.choice__tick { width: 24px; height: 24px; border-radius: 50%; display: grid; place-items: center; border: 1.5px solid #7d8a9b; background: #fff; color: transparent; flex: none; }
.choice input:checked + .choice__box .choice__tick { background: var(--ink); border-color: var(--ink); color: #fff; }
.choices[aria-invalid="true"] .choice__box { border-color: var(--err); }

.field { margin-top: 18px; }
.field label { display: block; font-weight: 600; font-size: 15px; margin-bottom: 6px; }
.field__opt { font-weight: 400; color: var(--muted); }
.field input[type="text"], .field input[type="tel"], .field input[type="email"], .field textarea {
  display: block; width: 100%; min-height: 50px; padding: 12px 14px; border: 1.5px solid #7d8a9b; border-radius: 12px; background: #fff;
  font-size: 16px; transition: border-color .15s;
}
.field textarea { resize: vertical; min-height: 96px; }
.field input:hover, .field textarea:hover { border-color: var(--muted); }
.field input:focus-visible, .field textarea:focus-visible { outline: 2px solid var(--link); outline-offset: 1px; border-color: var(--link); }
.field [aria-invalid="true"] { border-color: var(--err) !important; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0 14px; }
.field--check { display: grid; grid-template-columns: 24px 1fr; gap: 4px 12px; align-items: start; }
.field--check input { width: 22px; height: 22px; margin: 2px 0 0; accent-color: var(--ink); }
.field--check label { font-weight: 400; font-size: 14.5px; color: var(--muted); margin: 0; }
.field--check .field-err { grid-column: 2; }
.field-err { color: var(--err); font-size: 14px; font-weight: 600; margin-top: 6px; }
.field-err[hidden] { display: none; }
.enq__nav { display: flex; flex-wrap: wrap; gap: 12px; }
.enq__nav [data-back], .enq__nav [data-next] { display: none; }
.enq__form.is-stepped [data-submit] { display: none; }
.enq__form.is-stepped [data-next] { display: inline-flex; }
.enq__form.is-stepped:not([data-step="1"]) [data-back] { display: inline-flex; }
.enq__form.is-stepped[data-step="3"] [data-next] { display: none; }
.enq__form.is-stepped[data-step="3"] [data-submit] { display: inline-flex; }
.enq__nav [data-next], .enq__nav [data-submit] { margin-left: auto; }
.enq__micro { margin-top: 12px; font-size: 14px; color: var(--muted); text-align: right; }
.enq__form.is-stepped:not([data-step="3"]) .enq__micro { display: none; }
.done { display: flex; gap: 16px; align-items: flex-start; padding: 8px 0; }
.done:focus { outline: none; }
.done__tick { width: 48px; height: 48px; border-radius: 50%; display: grid; place-items: center; background: var(--green); color: #fff; flex: none; }
.done p { color: var(--muted); }
.done .done__h { font: 700 22px/1.3 var(--ff-h); margin-bottom: 6px; color: var(--ink); }

/* ---------------------------------------------------------------- closing band */
.close { background: #fff; padding: 56px 0 48px; }
.close__h { font-size: 32px; font-weight: 600; letter-spacing: -.02em; margin-bottom: 22px; }
.om { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 0 32px; }
.om li { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.omc { display: flex; align-items: center; gap: 16px; height: 100%; padding: 16px 0; color: var(--ink); text-decoration: none; border-radius: 12px; }
.omc__media { display: block; flex: none; width: 112px; height: 80px; overflow: hidden; border-radius: 12px; background: var(--soft); }
.omc__media img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s var(--ease); }
.omc:hover .omc__media img { transform: scale(1.04); }
.omc__row { display: flex; align-items: center; gap: 12px; flex: 1; min-width: 0; }
.omc__body { display: flex; flex-direction: column; gap: 2px; flex: 1; min-width: 0; }
.omc__h { font: 700 18px/1.3 var(--ff-h); letter-spacing: -.01em; }
.omc__p { font-size: 14.5px; color: var(--muted); line-height: 1.45; text-wrap: pretty; }
.omc__arrow { display: grid; place-items: center; flex: none; width: 36px; height: 36px; border-radius: 50%; border: 1.5px solid var(--ink); transition: background-color .18s, color .18s; }
.omc:hover .omc__arrow { background: var(--ink); color: #fff; }
.close__also { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 12px 32px; margin-top: 16px; font-size: 15.5px; color: var(--muted); }
.close--slim { padding: 20px 0; border-top: 1px solid var(--line); }
.close__slim { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 4px 24px; font-size: 15.5px; }
.close__slim .close__links { display: flex; flex-wrap: wrap; align-items: center; gap: 0 8px; }
.close__slim .close__links a { color: var(--link-2); font-weight: 600; display: inline-flex; align-items: center; min-height: 44px; padding: 0 2px; text-decoration: none; }
.close__slim .close__links a:hover { text-decoration: underline; }
.close__slim .sep { color: #9aa6b4; }
.close__l { font-weight: 700; color: var(--ink); margin-right: 4px; }
.close__links { display: flex; flex-wrap: wrap; align-items: center; gap: 0 6px; }
.close__also a:not(.link-arrow) { color: var(--link-2); font-weight: 600; display: inline-block; padding: 10px 2px; }
.close__also .sep { color: #9aa6b4; }

/* ---------------------------------------------------------------- location */
.office { display: grid; grid-template-columns: 7fr 5fr; gap: 48px; align-items: start; }
.office__h { font-size: 20px; font-weight: 700; margin: 32px 0 8px; }
.visit { background: var(--soft); border-radius: 20px; padding: 28px; }
.visit__dl { margin: 6px 0 22px; }
.visit__dl > div { display: grid; grid-template-columns: 124px 1fr; gap: 12px; padding: 13px 0; border-bottom: 1px solid #dbe2e9; }
.visit__dl > div:first-child { border-top: 1px solid #dbe2e9; }
.visit__dl dt { font-size: 12px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); padding-top: 2px; }
.visit__dl dd { font-size: 15px; font-weight: 600; color: var(--ink); line-height: 1.45; }
.visit__dl dd a { color: var(--ink); }
.visit__dl .visit__tel { display: inline-flex; align-items: center; min-height: 44px; margin: -12px 0; }

.pgrid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; }
.pcard { background: #fff; border-radius: 20px; overflow: hidden; border: 1px solid var(--line-p); display: flex; flex-direction: column; }
.pcard__img { width: 100%; aspect-ratio: 4 / 5; object-fit: cover; object-position: 50% 20%; }
.pcard__body { padding: 20px 22px 22px; display: flex; flex-direction: column; flex: 1; }
.pcard__h { font-size: 20px; font-weight: 700; letter-spacing: -.01em; }
.pcard__t { font-size: 15px; color: var(--muted); margin-top: 2px; }
.pcard__acts { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-top: auto; padding-top: 18px; }
.pcard__mail { min-height: 44px; padding: 0 16px; font-size: 15px; }
.pcard__profile { display: inline-flex; align-items: center; min-height: 44px; padding: 0 4px; color: var(--link-2); font-weight: 600; }
.casenote { display: flex; flex-wrap: wrap; align-items: center; gap: 10px 14px; margin-top: 28px; font-size: 16px; color: var(--ink); }
.casenote img { width: 40px; height: 40px; border-radius: 50%; object-fit: cover; object-position: 50% 20%; }

.hgrid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 20px; }
.hcard { display: flex; flex-direction: column; color: var(--ink); text-decoration: none; height: 100%; border-radius: 16px; }
.hcard__media { display: block; overflow: hidden; border-radius: 16px; aspect-ratio: 4 / 3; background: var(--soft); }
.hcard__media img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s var(--ease); }
.hcard:hover .hcard__media img { transform: scale(1.03); }
.hcard__h { display: flex; align-items: center; justify-content: space-between; gap: 8px; font: 700 19px/1.3 var(--ff-h); margin-top: 16px; letter-spacing: -.01em; }
.hcard__h .ico { color: var(--link); transition: transform .2s var(--ease); }
.hcard:hover .hcard__h .ico { transform: translateX(3px); }
.hcard__p { font-size: 15px; color: var(--muted); line-height: 1.5; margin-top: 4px; }
.morestrip { display: grid; grid-template-columns: 2fr 1fr; gap: 32px; margin-top: 40px; background: var(--soft); border-radius: 20px; padding: 24px 28px; }
.morestrip > div + div { border-left: 1px solid #dbe2e9; padding-left: 32px; }
.morestrip__l { font-size: 12px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); margin-bottom: 12px; }
.chiprow { display: flex; flex-wrap: wrap; gap: 8px; }
.chip-link {
  display: inline-flex; align-items: center; min-height: 44px; padding: 0 14px; border-radius: 999px; background: #fff;
  border: 1px solid var(--line); color: var(--ink); font-weight: 600; font-size: 15px; text-decoration: none;
}
.chip-link:hover { border-color: var(--ink); }

/* ---------------------------------------------------------------- footer */
.ftr { background: var(--deep); color: #dbe3ec; padding: 72px 0 32px; font-size: 15px; border-top: 1px solid rgba(255, 255, 255, .08); }
.ftr__top { display: grid; grid-template-columns: 180px 1fr; gap: 48px; }
.ftr__logo { display: inline-block; border-radius: 4px; align-self: start; }
.ftr__logo img { height: 40px; width: auto; }
.ftr__cols { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)) 1.2fr; gap: 32px; }
.ftr__h { display: block; font: 700 14px/1.3 var(--ff-h); color: #fff; margin-bottom: 14px; list-style: none; }
.ftr__h::-webkit-details-marker { display: none; }
.ftr__h .ico--chev { display: none; }
.ftr__links li + li { margin-top: 2px; }
.ftr__links a, .ftr__txt { display: inline-flex; align-items: center; min-height: 32px; color: #dbe3ec; text-decoration: none; line-height: 1.4; }
.ftr__links a:hover { color: #fff; text-decoration: underline; }
.ftr__addr, .ftr__meta { color: #dbe3ec; line-height: 1.6; }
.ftr__meta { margin-top: 12px; color: #b9c6d6; }
.ftr__legal { margin-top: 48px; padding-top: 28px; border-top: 1px solid rgba(255, 255, 255, .12); }
.ftr__legal p { font-size: 13.5px; line-height: 1.65; color: #b9c6d6; max-width: 120ch; }
.ftr__legal a { color: #dbe3ec; text-decoration: underline; }
.ftr__bottom { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 12px 24px; margin-top: 28px; padding-top: 20px; border-top: 1px solid rgba(255, 255, 255, .12); font-size: 14px; color: #b9c6d6; }
.ftr__policies { display: flex; flex-wrap: wrap; gap: 4px 24px; }
.ftr__policies a { display: inline-flex; align-items: center; min-height: 44px; color: #dbe3ec; }

/* ---------------------------------------------------------------- floating actions */
.wa-pill {
  position: fixed; right: 24px; bottom: 24px; z-index: 40; display: inline-flex; align-items: center; gap: 10px;
  min-height: 48px; padding: 0 20px 0 16px; border-radius: 999px; background: var(--green); color: #fff;
  font-weight: 600; font-size: 15px; text-decoration: none; box-shadow: 0 10px 24px rgba(14, 35, 64, .22);
  opacity: 0; visibility: hidden; transform: translateY(12px);
  transition: opacity .25s, transform .25s var(--ease), visibility 0s linear .25s;
}
.wa-pill.is-on { opacity: 1; visibility: visible; transform: none; transition: opacity .25s, transform .25s var(--ease), visibility 0s; }
.wa-pill:hover { background: var(--green-h); }
.mbar { display: none; }

/* ---------------------------------------------------------------- dialog */
.dlg {
  width: min(560px, calc(100% - 32px)); max-height: calc(100dvh - 32px); padding: 0; border: 0; border-radius: 20px;
  color: var(--ink); background: #fff; box-shadow: 0 32px 64px rgba(14, 35, 64, .3);
}
.dlg::backdrop { background: rgba(15, 28, 51, .6); }
.dlg__in { padding: 28px 32px 32px; }
.dlg__head { display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.dlg__h { font-size: 24px; font-weight: 800; letter-spacing: -.02em; }
.dlg__close { width: 44px; height: 44px; display: grid; place-items: center; border-radius: 10px; border: 1px solid var(--line); background: #fff; }
.dlg__close:hover { background: var(--soft); }
.dlg__intro { color: var(--muted); font-size: 15.5px; margin-top: 6px; }
.dlg__form .btn { margin-top: 22px; }

/* ================================================================ responsive */
@media (max-width: 1240px) {
  .menu__btn, .menu__link { padding: 0 10px; font-size: 15px; }
  .hdr__in { gap: 18px; }
  .hdr__actions { gap: 14px; }
}

@media (max-width: 1099px) {
  :root { --hdr-h: 64px; }
  .hdr__nav, .hdr__actions { display: none; }
  .hdr__in { justify-content: space-between; }
  .hdr__logo img { height: 34px; }
  .hdr__m { display: flex; align-items: center; gap: 10px; }
  html { scroll-padding-top: calc(var(--hdr-h) + 68px); scroll-padding-bottom: 88px; }
  .pill-call {
    display: inline-flex; align-items: center; gap: 8px; height: 44px; padding: 0 16px; border-radius: 999px;
    border: 1.5px solid rgba(255, 255, 255, .7); color: #fff; font-weight: 600; font-size: 15px; text-decoration: none;
  }
  .hdr.is-solid .pill-call { border-color: var(--ink); color: var(--ink); }
  .menu-toggle {
    width: 44px; height: 44px; display: grid; place-items: center; border-radius: 10px; border: 0;
    background: var(--navy); color: #fff;
  }
  .hdr:not(.is-solid) .menu-toggle { box-shadow: inset 0 0 0 1px rgba(255, 255, 255, .22); }

  .frame { display: block; }
  .rail { display: none; }
  /* Full-width strip flush under the header, so no page text shows between the two. */
  .chbar {
    display: block; position: sticky; top: var(--hdr-h); z-index: 30; margin: 0 calc(-1 * var(--gutter));
    padding: 0 var(--gutter); background: #fff; border-bottom: 1px solid var(--line);
    box-shadow: 0 8px 20px rgba(14, 35, 64, .06);
    transition: transform .25s var(--ease), opacity .25s;
  }
  .chbar.is-hidden { transform: translateY(calc(-100% - 90px)); opacity: 0; }
  .chbar__row { display: flex; align-items: center; justify-content: space-between; gap: 12px; height: 52px; }
  .chbar__now { display: flex; align-items: baseline; gap: 10px; min-width: 0; font-size: 15px; }
  .chbar__num { font: 700 13px/1 var(--ff-h); color: var(--link); font-variant-numeric: tabular-nums; flex: none; }
  .chbar__lbl { font-weight: 600; color: var(--ink); white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
  .chbar__btn {
    display: inline-flex; align-items: center; gap: 6px; height: 44px; padding: 0 12px; border-radius: 10px;
    border: 0; background: var(--soft); color: var(--ink); font-weight: 600; font-size: 14.5px; flex: none;
  }
  .chbar__btn[aria-expanded="true"] .ico--chev { transform: rotate(180deg); }
  .chbar__line { position: absolute; left: 0; right: 0; bottom: -1px; height: 2px; overflow: hidden; }
  .chbar__fill { position: absolute; inset: 0; background: var(--link); transform-origin: left; transform: scaleX(var(--progress, 0)); transition: transform .15s linear; }
  .chbar__panel {
    position: absolute; left: var(--gutter); right: var(--gutter); top: calc(100% + 8px); background: #fff; border: 1px solid var(--line);
    border-radius: 14px; box-shadow: 0 24px 48px rgba(14, 35, 64, .16); padding: 6px;
  }
  .chbar__panel[hidden] { display: none; }
  .chbar__a { display: flex; align-items: center; gap: 12px; min-height: 48px; padding: 0 12px; border-radius: 8px; color: var(--ink); text-decoration: none; font-weight: 600; font-size: 15.5px; }
  .chbar__a:hover, .chbar__a[aria-current="true"] { background: var(--soft); }
  .chbar__pn { font: 700 13px/1 var(--ff-h); color: var(--num); width: 20px; }
  .chbar__a[aria-current="true"] .chbar__pn { color: var(--link); }
  .ch { scroll-margin-top: 132px; }

  .hero__text { grid-column: 1 / 10; }
  .trust { grid-column: 1 / -1; margin-top: 28px; max-width: 560px; }
  .hero__in { grid-template-rows: auto 1fr auto; }

  .wa-pill { display: none; }
  .mbar {
    position: fixed; left: 0; right: 0; bottom: 0; z-index: 45; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 8px;
    padding: 8px 10px calc(8px + env(safe-area-inset-bottom)); background: #fff; border-top: 1px solid var(--line);
    box-shadow: 0 -8px 24px rgba(14, 35, 64, .08); transition: transform .25s var(--ease);
  }
  .mbar.is-off { transform: translateY(110%); visibility: hidden; transition: transform .25s var(--ease), visibility 0s linear .25s; }
  .mbar__a {
    display: inline-flex; align-items: center; justify-content: center; gap: 6px; min-height: 48px; padding: 0 8px; border-radius: 10px;
    border: 1.5px solid var(--line); color: var(--ink); font-weight: 600; font-size: 14px; text-decoration: none; white-space: nowrap;
  }
  .mbar__a--green { background: var(--green); border-color: var(--green); color: #fff; }
  .ftr { padding-bottom: calc(72px + env(safe-area-inset-bottom)); }
}

@media (max-width: 900px) {
  .answer, .costs, .office, .faq, .revs, .talk__grid { grid-template-columns: 1fr; gap: 32px; }
  .faq__side--sticky { position: static; }
  .calcs, .pgrid { grid-template-columns: 1fr 1fr; }
  .hgrid { grid-template-columns: 1fr 1fr; }
  .timeline { grid-template-columns: 1fr 1fr; row-gap: 40px; }
  .timeline::before { display: none; }
  .ftr__top { grid-template-columns: 1fr; gap: 32px; }
  .ftr__cols { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .adv { display: grid; grid-template-columns: 200px 1fr; gap: 20px; align-items: center; }
}

@media (max-width: 640px) {
  :root { --gutter: 16px; }
  body { font-size: 16px; }
  .hero { min-height: 0; }
  .hero::before { background: linear-gradient(180deg, rgba(14, 35, 64, .72) 0%, rgba(14, 35, 64, .72) 45%, rgba(14, 35, 64, .9) 100%); }
  .hero__in { padding: calc(var(--hdr-h) + 4px) 0 44px; grid-template-columns: minmax(0, 1fr); }
  .hero__text, .trust { grid-column: 1; }
  .hero__text { padding-top: 16px; }
  .hero__eyebrow { font-size: 12px; margin-bottom: 12px; }
  .hero__h1, .hero__h1--wide { font-size: 32px; line-height: 1.15; max-width: none; }
  .hero__rule { margin: 14px 0; width: 56px; }
  .hero__sub { font-size: 16px; }
  .hero__ctas { flex-direction: column; margin-top: 18px; }
  .hero__ctas { gap: 10px; }
  .hero__ctas .btn { width: 100%; min-height: 48px; }
  .crumbs { font-size: 13px; }
  .crumbs a { min-height: 44px; }
  .trust { margin-top: 16px; max-width: none; }
  .trust__cell { padding: 14px 10px; gap: 5px; }
  .trust__l { font-size: 11px; letter-spacing: .08em; }
  .trust__v { font-size: 13px; }
  .trust__v--strong { font-size: 13px; }
  .trust__big { font-size: 18px; }
  .trust__stars .star { width: 12px; height: 12px; }

  .sheet { margin-top: -32px; border-radius: 22px 22px 0 0; }
  .ch { padding: 48px 0; }
  .ch--first { padding-top: 28px; }
  .ch::before { margin-bottom: 14px; }
  .ch__eyebrow { margin-bottom: 10px; }
  .ch--faq .faq { margin-top: 12px; }
  .ch__num { font-size: 40px; }
  .ch__eyebrow { font-size: 12px; }
  .ch__h, .faq__side .ch__h { font-size: 26px; line-height: 1.18; margin-bottom: 22px; max-width: none; }
  .ch__note { margin: -16px 0 24px; }
  .answer__lede { font-size: 16.5px; line-height: 1.6; }
  .answer, .costs, .office { gap: 24px; }
  .who, .visit { padding: 22px; }

  .tiles { grid-template-columns: 1fr; grid-template-rows: none; gap: 12px; }
  .tile, .tile--1 { display: grid; grid-template-columns: 36px minmax(0, 1fr); column-gap: 14px; grid-row: auto; min-height: 0; padding: 20px 20px 14px; }
  .tile > * { grid-column: 2; }
  .tile > .tile__icon { grid-column: 1; grid-row: 1 / 3; margin: 0; }
  .tile__icon .ico { width: 36px; height: 36px; }
  .tile__h, .tile--1 .tile__h { font-size: 20px; }
  .tile__btn { padding-top: 8px; gap: 10px; }
  .tile__circle { width: 40px; height: 40px; }
  .tile__p { font-size: 15.5px; line-height: 1.55; }

  .timeline { grid-template-columns: 1fr; gap: 22px; padding-left: 34px; }
  .timeline::before { display: block; left: 6px; right: auto; top: 8px; bottom: 8px; width: 2px; height: auto; transform-origin: top; transform: scaleY(var(--draw, 1)); }
  .step-i__dot { position: absolute; left: -34px; top: 2px; margin: 0; }
  .step-i__l { margin-bottom: 6px; }
  .step-i__h { font-size: 19px; }

  .risk { padding: 26px 24px; }
  .risk__p { font-size: 18px; }
  .checklist li { font-size: 16px; }

  .calcs, .calcs--2, .pgrid { grid-template-columns: 1fr; gap: 14px; }
  .calc { padding: 22px; }
  .calc__ico { margin-bottom: 14px; }
  .cover__img { aspect-ratio: 2 / 1; }
  .cover__body { padding: 20px 22px 14px; }

  .rev--lead .rev__q p { font-size: 19px; }
  .revs { gap: 24px; }
  .rev__glyph { font-size: 52px; height: 32px; }
  .revs__grid { grid-template-columns: 1fr; gap: 12px; }
  .rev--card { padding: 20px; }
  .rev-more > summary { display: flex; justify-content: center; min-height: 48px; }
  .lenders { flex-direction: column; align-items: flex-start; gap: 18px; margin-top: 36px; }
  .lenders__row { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px 16px; width: 100%; }
  .lenders__row li { display: flex; justify-content: center; }
  .lenders__row img { height: 20px; }

  .faq { gap: 20px; }
  .faq__q { font-size: 17px; min-height: 60px; }
  .faq__a { padding-right: 24px; }

  .talk { padding: 56px 0; }
  .talk__head { margin-bottom: 28px; }
  .talk__h { font-size: 26px; line-height: 1.18; }
  .talk__lede { font-size: 16px; }
  .talk__grid { gap: 16px; }
  .adv { display: grid; grid-template-columns: 72px 1fr; grid-template-rows: auto auto auto; gap: 0 14px; align-items: center; padding: 16px; }
  .adv__photo { grid-row: 1 / 3; width: 72px; height: 72px; aspect-ratio: auto; border-radius: 14px; }
  .adv__title { margin-top: -6px; }
  .adv__body { padding: 0; display: contents; }
  .adv__body > .adv__name, .adv__body > .adv__title { grid-column: 2; }
  .adv__name { grid-row: 1; align-self: end; font-size: 18px; }
  .adv__title { grid-row: 2; align-self: start; margin-top: 0; font-size: 14px; }
  .adv__mail { grid-column: 1 / -1; grid-row: 3; margin: 16px 0 0; }
  .adv__case { display: none; }
  .enq { padding: 22px 18px; border-radius: 18px; }
  .step__lg { font-size: 20px; }
  .choices { gap: 8px; }
  .choice__box { min-height: 60px; padding: 10px 12px; font-size: 15px; }
  .field-row { grid-template-columns: 1fr; }
  .enq__nav .btn { flex: 1; }
  .enq__micro { text-align: left; }

  .close { padding: 48px 0 40px; }
  .close__h { font-size: 26px; margin-bottom: 18px; }
  .close--slim { padding: 8px 0; }
  .close__slim { gap: 0 16px; font-size: 15px; }
  .close__slim { flex-wrap: nowrap; font-size: 14.5px; }
  .close__slim .close__links { gap: 0 14px; }
  .close__slim .sep { display: none; }
  .om { grid-template-columns: 1fr; gap: 0; border-top: 1px solid var(--line); }
  .om li { border-top: 0; border-bottom: 1px solid var(--line); }
  .omc { padding: 14px 0; }
  .omc__media { width: 96px; height: 72px; border-radius: 10px; }
  .omc__h { font-size: 17px; }
  .omc__p { font-size: 14px; }
  .close__also { flex-direction: column; align-items: flex-start; border-top: 0; padding-top: 0; }
  .close__links { gap: 8px; }
  .close__links .close__l { width: 100%; }
  .close__also .sep { display: none; }
  .close__also .close__links a { display: inline-flex; align-items: center; min-height: 44px; padding: 0 16px; border: 1px solid var(--line); border-radius: 999px; text-decoration: none; color: var(--ink); font-size: 15px; }
  .tile__mark { display: none; }
  .choice__box { gap: 8px; }
  .choice__tick { width: 20px; height: 20px; }

  .pgrid { gap: 10px; }
  .pcard { display: grid; grid-template-columns: 72px 1fr; grid-template-rows: auto auto auto; gap: 0 14px; padding: 14px; align-items: center; }
  .pcard__img { grid-row: 1 / 3; width: 72px; height: 72px; aspect-ratio: auto; border-radius: 14px; }
  .pcard__body { padding: 0; }
  .pcard__h { font-size: 18px; }
  .pcard__t { font-size: 14px; }
  .pcard__acts { grid-column: 1 / -1; grid-row: 3; padding-top: 12px; }
  .pcard__body { display: contents; }
  .pcard__h, .pcard__t { grid-column: 2; }
  .pcard__h { grid-row: 1; align-self: end; }
  .pcard__t { grid-row: 2; align-self: start; margin-top: 0; }
  .pcard__mail { flex: 1; }
  .hgrid { gap: 14px; }
  .hcard__h { font-size: 16px; margin-top: 10px; }
  .hcard__h .ico { display: none; }
  .morestrip { grid-template-columns: 1fr; gap: 20px; padding: 20px; }
  .morestrip > div + div { border-left: 0; padding-left: 0; border-top: 1px solid #dbe2e9; padding-top: 20px; }
  .visit__dl > div { grid-template-columns: 1fr; gap: 2px; }
  .casenote p { flex: 1 1 200px; }

  .ftr { padding-top: 44px; }
  .ftr__legal p { font-size: 13px; line-height: 1.6; }
  .ftr__cols { grid-template-columns: 1fr; gap: 0; }
  .ftr__col { border-bottom: 1px solid rgba(255, 255, 255, .12); }
  .ftr__col:first-child { border-top: 1px solid rgba(255, 255, 255, .12); }
  .ftr__col > .ftr__h { display: flex; align-items: center; justify-content: space-between; min-height: 48px; margin: 0; cursor: pointer; font-size: 15px; }
  .ftr__col > .ftr__h .ico--chev { display: block; }
  .ftr__col[open] > .ftr__h .ico--chev { transform: rotate(180deg); }
  .ftr__col .ftr__links { padding-bottom: 14px; }
  .ftr__links a, .ftr__txt { min-height: 44px; }
  .ftr__co { padding-top: 28px; }
  .ftr__legal { margin-top: 28px; }
}

@media (max-width: 479px) {
  .hcard__p { display: none; }
}

@media (max-width: 420px) {
  .choices--time { grid-template-columns: 1fr; }
  .choices--time .choice__box { min-height: 52px; }
}

@media (max-width: 380px) {
  .choice__box { padding: 10px; font-size: 14.5px; }
  .mbar__a { gap: 4px; font-size: 13.5px; }
  .mbar__a .ico { width: 18px; height: 18px; }
}

@media (max-width: 359px) {
  .trust { grid-template-columns: 1fr 1fr; }
  .trust__cell:nth-child(3) { grid-column: 1 / -1; border-left: 0; border-top: 1px solid rgba(255, 255, 255, .16); }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition-duration: .01ms !important; animation-duration: .01ms !important; }
  [data-reveal].is-pending { opacity: 1; transform: none; }
  .timeline.is-pending::before { --draw: 1; }
  .drawer { transition: none; }
  .omc:hover .omc__media img, .hcard:hover .hcard__media img { transform: none; }
}