/* Zinga Financial Services: Design B "Meet your adviser" (demo) */

:root {
  --ink: #0e2340;
  --navy: #13233f;
  --deep: #0f1c33;
  --muted: #4a5a6e;
  --green: #0c7f50;
  --green-h: #0a6b43;
  --sky: #3fa9e0;
  --logo: #00baff;
  --link: #1b64a0;
  --label: #0b6fa4;
  --paper: #f7f6f2;
  --soft: #f4f6f8;
  --line: #e2e7ec;
  --field: #7d8b9c;
  --err: #b42318;
  --g-star: #f5a700;
  --tp: #00b67a;
  --pjs: "Plus Jakarta Sans", "Figtree", system-ui, sans-serif;
  --fig: "Figtree", system-ui, -apple-system, "Segoe UI", sans-serif;
  --sh-card: 0 20px 50px -30px rgba(14, 35, 64, .35);
  --sh-bar: 0 30px 60px -30px rgba(14, 35, 64, .35);
  --sh-pop: 0 24px 60px -24px rgba(14, 35, 64, .35);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-padding-top: 96px; scroll-padding-bottom: 80px; }
body {
  margin: 0;
  font-family: var(--fig);
  font-size: 16.5px;
  line-height: 1.65;
  color: var(--ink);
  background: #fff;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
body.no-scroll { overflow: hidden; }
img { display: block; max-width: 100%; height: auto; }
a { color: var(--link); }
p { margin: 0; }
ul, ol { margin: 0; padding: 0; list-style: none; }
h1, h2, h3, h4 { margin: 0; font-family: var(--pjs); color: var(--ink); }
button, input, textarea, select { font: inherit; color: inherit; }
button { cursor: pointer; }
fieldset { border: 0; margin: 0; padding: 0; min-width: 0; }
legend { padding: 0; }
address { font-style: normal; }
blockquote, figure { margin: 0; }
hr.rule { border: 0; border-top: 1px solid var(--line); margin: 24px 0; }

.sprite { position: absolute; width: 0; height: 0; overflow: hidden; }
.i { width: 20px; height: 20px; flex-shrink: 0; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip { position: absolute; left: 16px; top: -60px; z-index: 100; background: #fff; color: var(--ink); padding: 12px 16px; border-radius: 8px; font-weight: 700; }
.skip:focus { top: 12px; }

:focus-visible { outline: 3px solid var(--navy); outline-offset: 2px; }
.hero :focus-visible, .band-navy :focus-visible, .ftr :focus-visible, .hdr:not(.is-scrolled) .hdr-in > :focus-visible, .hdr:not(.is-scrolled) .nav-btn:focus-visible, .hdr:not(.is-scrolled) .nav-link:focus-visible, .hdr:not(.is-scrolled) .hdr-actions > :focus-visible { outline-color: var(--logo); }
@media (min-width: 1024px) { .hero .advcard :focus-visible { outline-color: var(--navy); } }

.container { width: min(1200px, 100% - 48px); margin-inline: auto; }
.container-narrow { width: min(820px, 100% - 48px); }

/* ---------- type ---------- */
.h1 { font-weight: 800; font-size: 52px; line-height: 1.08; letter-spacing: -.025em; color: #fff; max-width: 640px; }
.h2 { font-weight: 700; font-size: 36px; line-height: 1.15; letter-spacing: -.02em; }
.h2 strong { font-weight: 800; }
.h2-light { color: #fff; }
.kw-blue { color: var(--logo); }
.h3 { font-weight: 700; font-size: 18px; line-height: 1.3; }
.h1, .h2, .h3, .calc-t, .advcard-name, .opt-t, .step-t, .trio-t { text-wrap: balance; }
.faq-q, .opt-d, .answer, .lede { text-wrap: pretty; }
.muted { color: var(--muted); }
.eyebrow { display: flex; align-items: center; gap: 12px; margin: 22px 0 16px; font-size: 13px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: #fff; }
.eyebrow::before { content: ""; width: 28px; height: 3px; border-radius: 2px; background: var(--logo); }
.eyebrow-dark { font-family: var(--fig); font-size: 13px; line-height: 1.5; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--label); }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  min-height: 48px; padding: 0 22px; border-radius: 8px; border: 2px solid transparent;
  font-family: var(--fig); font-weight: 700; font-size: 16px; line-height: 1.2; text-decoration: none; text-align: center;
  transition: background-color .18s, color .18s, border-color .18s, box-shadow .18s;
}
.btn .i { width: 18px; height: 18px; }
.btn-lg { min-height: 56px; padding: 0 26px; }
.btn-block { width: 100%; }
.btn-go { background: var(--green); color: #fff; }
.btn-go:hover { background: var(--green-h); }
.btn-ghost { border-color: rgba(255, 255, 255, .72); color: #fff; background: transparent; }
.btn-ghost:hover { background: rgba(255, 255, 255, .12); border-color: #fff; }
.btn-line { border: 1.5px solid #c9d3de; color: var(--ink); background: #fff; }
.btn-line:hover { border-color: var(--ink); }
.btn-navy-line { border-color: var(--navy); color: var(--navy); background: transparent; }
.btn-navy-line:hover { background: var(--navy); color: #fff; }
.btn-text {
  display: inline-flex; align-items: center; gap: 8px; min-height: 44px;
  color: var(--link); font-weight: 700; font-size: 15px; text-decoration: none;
}
.btn-text .i { width: 18px; height: 18px; }
.btn-text:hover span, .btn-text:hover { text-decoration: underline; text-underline-offset: 3px; }
.link-arrow { display: inline-flex; align-items: center; gap: 8px; min-height: 44px; font-weight: 700; font-size: 15px; color: var(--link); text-decoration: none; }
.link-arrow .i { width: 18px; height: 18px; transition: transform .18s; }
.link-arrow:hover { text-decoration: underline; text-underline-offset: 3px; }
.link-arrow:hover .i-arrow { transform: translateX(3px); }
.link-plain { color: var(--link); font-weight: 600; font-size: 15px; display: inline-flex; align-items: center; min-height: 44px; }

/* ---------- header ---------- */
.hdr {
  position: fixed; inset: 0 0 auto; z-index: 60; height: 80px;
  border-bottom: 1px solid rgba(255, 255, 255, .18);
  transition: background-color .25s, box-shadow .25s, border-color .25s;
}
.hdr.is-scrolled { background: #fff; border-bottom-color: transparent; box-shadow: 0 8px 30px -18px rgba(14, 35, 64, .35); }
.hdr-in { display: flex; align-items: center; gap: 28px; height: 100%; }
.hdr-logo { display: block; flex-shrink: 0; padding-block: 6px; }
.hdr-logo img { height: 40px; width: auto; }
.hdr-logo .logo-dark, .hdr.is-scrolled .logo-light { display: none; }
.hdr.is-scrolled .logo-dark { display: block; }
.nav { margin-left: auto; }
.nav-list { display: flex; align-items: center; gap: 2px; }
.nav-item { position: relative; }
.nav-btn, .nav-link {
  display: inline-flex; align-items: center; gap: 6px; min-height: 44px; padding: 0 12px;
  background: none; border: 0; border-radius: 8px; color: #fff; font-weight: 600; font-size: 15px; text-decoration: none;
}
.nav-btn:hover, .nav-link:hover { background: rgba(255, 255, 255, .1); }
.hdr.is-scrolled .nav-btn, .hdr.is-scrolled .nav-link { color: var(--ink); }
.hdr.is-scrolled .nav-btn:hover, .hdr.is-scrolled .nav-link:hover { background: var(--soft); }
.nav-chev { width: 16px; height: 16px; transition: transform .2s; }
.nav-btn[aria-expanded="true"] .nav-chev { transform: rotate(180deg); }
.nav-panel {
  position: absolute; top: calc(100% + 30px); left: -16px; z-index: 5;
  background: #fff; border: 1px solid var(--line); border-radius: 16px; box-shadow: var(--sh-pop); overflow: hidden;
}
.nav-panel[hidden] { display: none; }
.nav-panel--wide { width: 640px; }
.nav-panel--narrow { width: 320px; padding: 10px; }
.mgrid { display: grid; grid-template-columns: 1fr 1fr; gap: 2px; padding: 12px; }
.mlink, .slink, .plink {
  position: relative; display: block; padding: 12px 14px 12px 18px; border-radius: 10px; text-decoration: none; color: var(--ink);
}
.mlink:hover, .slink:hover, .plink:hover { background: var(--soft); }
.mlink.is-current::before, .plink[aria-current]::before { content: ""; position: absolute; left: 4px; top: 12px; bottom: 12px; width: 3px; border-radius: 2px; background: var(--sky); }
.mlink-label { display: block; font-family: var(--pjs); font-weight: 700; font-size: 16px; line-height: 1.3; }
.mlink-desc { display: block; margin-top: 2px; font-size: 14px; line-height: 1.45; color: var(--muted); }
.plink { font-weight: 600; font-size: 15px; padding-block: 10px; }
.plink--sub { margin-left: 16px; font-weight: 500; color: var(--muted); }
.panel-foot { display: flex; gap: 28px; padding: 14px 26px; background: var(--paper); border-top: 1px solid var(--line); }
.panel-foot a { display: inline-flex; align-items: center; gap: 6px; min-height: 32px; color: var(--link); font-weight: 700; font-size: 14px; text-decoration: none; }
.panel-foot a:hover { text-decoration: underline; }
.panel-foot .i { width: 16px; height: 16px; }

.hdr-actions { display: flex; align-items: center; gap: 22px; }
.hdr-phone { display: flex; flex-direction: column; text-decoration: none; line-height: 1.2; color: #fff; }
.hdr-phone-label { font-size: 12px; color: #c9d6e3; }
.hdr-phone-num { font-family: var(--pjs); font-weight: 700; font-size: 16px; }
.hdr.is-scrolled .hdr-phone { color: var(--ink); }
.hdr.is-scrolled .hdr-phone-label { color: var(--muted); }
.hdr-cta { background: #fff; color: var(--ink); min-height: 48px; }
.hdr-cta:hover { background: #eef3f8; }
.hdr.is-scrolled .hdr-cta { background: var(--green); color: #fff; }
.hdr.is-scrolled .hdr-cta:hover { background: var(--green-h); }
.hdr-call, .burger { display: none; }

/* ---------- drawer ---------- */
.drawer {
  position: fixed; inset: 0; z-index: 90; display: flex; flex-direction: column; background: #fff;
  transform: translateX(100%); visibility: hidden; transition: transform .3s ease, visibility 0s linear .3s;
}
.drawer.is-open { transform: none; visibility: visible; transition: transform .3s ease; }
.drawer-top { display: flex; align-items: center; justify-content: space-between; height: 64px; padding: 0 12px 0 16px; border-bottom: 1px solid var(--line); flex-shrink: 0; }
.drawer-logo img { height: 32px; width: auto; }
.drawer-close { display: grid; place-items: center; width: 44px; height: 44px; border: 0; border-radius: 10px; background: var(--soft); color: var(--ink); }
.drawer-close .i { width: 22px; height: 22px; }
.drawer-nav { flex: 1; overflow-y: auto; padding: 4px 16px 16px; }
.dgroup { border-bottom: 1px solid var(--line); }
.dgroup summary, .drow {
  display: flex; align-items: center; justify-content: space-between; min-height: 56px; cursor: pointer; list-style: none;
  font-family: var(--pjs); font-weight: 700; font-size: 20px; color: var(--ink); text-decoration: none;
}
.dgroup summary::-webkit-details-marker { display: none; }
.dchev { width: 22px; height: 22px; transition: transform .2s; }
details[open] > summary .dchev { transform: rotate(180deg); }
.dgroup ul { padding: 0 0 12px; }
.dlink { display: flex; align-items: center; min-height: 48px; padding: 0 12px; border-radius: 8px; color: var(--ink); text-decoration: none; font-weight: 600; font-size: 16px; }
.dlink-desc, .dlink .mlink-desc { display: none; }
.dlink:hover, .dlink.is-current, .dlink[aria-current] { background: var(--soft); }
.dlink--sub { margin-left: 16px; color: var(--muted); }
.drow { border-bottom: 1px solid var(--line); }
.drow .i { width: 22px; height: 22px; }
.drawer-foot { flex-shrink: 0; display: grid; gap: 10px; padding: 14px 16px calc(14px + env(safe-area-inset-bottom)); border-top: 1px solid var(--line); background: #fff; }
.drawer-pair { display: grid; grid-template-columns: 3fr 2fr; gap: 10px; }
.drawer-pair .btn { padding: 0 10px; font-size: 15px; }

/* ---------- hero ---------- */
.hero { position: relative; isolation: isolate; color: #fff; padding: 148px 0 120px; min-height: 600px; display: flex; align-items: flex-end; }
.hero-img { position: absolute; inset: 0; z-index: -2; width: 100%; height: 100%; object-fit: cover; }
.hero--location .hero-img { object-position: center 40%; }
.hero-shade {
  position: absolute; inset: 0; z-index: -1;
  background:
    linear-gradient(90deg, rgba(14, 35, 64, .55) 0%, rgba(14, 35, 64, 0) 65%),
    linear-gradient(180deg, rgba(14, 35, 64, .70) 0%, rgba(14, 35, 64, .52) 42%, rgba(14, 35, 64, .82) 100%);
}
.hero-end { position: absolute; bottom: 0; left: 0; width: 1px; height: 1px; }
.hero-grid { display: grid; grid-template-columns: 7fr 5fr; gap: 48px; align-items: end; }
.crumbs ol { display: flex; flex-wrap: wrap; gap: 4px 8px; font-size: 14px; color: #dbe3ec; }
.crumbs li { display: flex; align-items: center; gap: 8px; }
.crumbs li + li::before { content: "/"; color: rgba(219, 227, 236, .6); }
.crumbs a { display: inline-block; padding-block: 11px; margin-block: -11px; color: #dbe3ec; text-decoration: none; }
.crumbs a:hover { color: #fff; text-decoration: underline; }
.crumbs [aria-current] { color: #fff; font-weight: 600; }
.lede { margin-top: 18px; font-size: 17.5px; line-height: 1.6; color: #dbe3ec; max-width: 560px; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 30px; }
.only-narrow { display: none; }

.advcard {
  justify-self: end; width: 340px; padding: 20px; background: #fff; color: var(--ink);
  border: 1px solid var(--line); border-radius: 20px; box-shadow: 0 30px 60px -30px rgba(0, 0, 0, .5);
}
.advcard-photo { width: 100%; aspect-ratio: 1 / 1; border-radius: 14px; overflow: hidden; background: var(--soft); }
.advcard-photo img { width: 100%; height: 100%; object-fit: cover; object-position: center 20%; }
.advcard-body { padding: 16px 4px 0; }
.advcard-label { font-size: 13px; color: var(--muted); }
.advcard-name { margin-top: 2px; font-family: var(--pjs); font-weight: 700; font-size: 20px; line-height: 1.3; }
.advcard-name a { display: inline-block; padding-block: 11px; margin-block: -11px; color: var(--ink); text-decoration: none; }
.advcard-name a:hover { text-decoration: underline; }
.advcard-title { font-size: 15px; color: var(--muted); line-height: 1.4; }
.advcard-email { margin-top: 6px; }

/* ---------- trust bar ---------- */
.tbar-wrap { position: relative; z-index: 3; display: flow-root; background: #fff; }
.tbar {
  display: grid; grid-template-columns: 1.3fr 1fr 1fr 1fr; margin-top: -64px;
  background: #fff; border: 1px solid var(--line); border-radius: 16px; box-shadow: var(--sh-bar);
}
.tcell { position: relative; display: flex; flex-direction: column; justify-content: center; gap: 4px; min-height: 104px; padding: 16px 28px; color: var(--ink); text-decoration: none; }
.tcell + .tcell::before { content: ""; position: absolute; left: 0; top: 20px; bottom: 20px; width: 1px; background: var(--line); }
.tcell-link { border-radius: 16px; }
.tcell-link:hover { background: #fafbfc; }
.tcell-icon { flex-direction: row; align-items: center; justify-content: flex-start; gap: 14px; }
.ticon { display: grid; place-items: center; width: 40px; height: 40px; border-radius: 50%; flex-shrink: 0; }
.ticon-green { background: #e8f6ef; color: var(--green); }
.ticon-sky { background: #e7f3fb; color: var(--label); }
.ticon .i { width: 22px; height: 22px; }
.tstack { display: flex; flex-direction: column; line-height: 1.25; }
.tlabel { font-size: 13px; color: var(--muted); line-height: 1.35; }
.tlabel-strong { display: inline-flex; align-items: center; gap: 6px; font-size: 14px; font-weight: 700; color: var(--link); }
.tlabel-strong .i { width: 16px; height: 16px; }
.tval { font-family: var(--pjs); font-weight: 800; font-size: 22px; line-height: 1.2; letter-spacing: -.01em; color: var(--ink); }
.tcell-link .tval { display: inline; }
.tval-nowrap { white-space: nowrap; }
.tbar--location { grid-template-columns: 1.2fr 1.07fr .7fr 1fr; }
.stars { display: flex; gap: 2px; }
.stars-g { color: var(--g-star); }
.stars-g .i { width: 17px; height: 17px; }
.tp-sq { display: grid; place-items: center; width: 18px; height: 18px; background: var(--tp); color: #fff; }
.tp-sq .i { width: 13px; height: 13px; }
.tcell-link:not(.tcell-team) { display: grid; grid-template-columns: auto 1fr; grid-template-rows: auto auto; column-gap: 8px; align-content: center; align-items: baseline; }
.tcell-link:not(.tcell-team) .stars { grid-column: 1 / -1; margin-bottom: 4px; }
.avstack { display: flex; }
.avstack img { width: 36px; height: 36px; border-radius: 50%; object-fit: cover; object-position: center 20%; border: 2px solid #fff; margin-left: -10px; background: var(--soft); }
.avstack img:first-child { margin-left: 0; }

/* ---------- bands ---------- */
.band { padding: 80px 0; }
.band-white { background: #fff; }
.band-paper { background: var(--paper); }
.band-soft { background: var(--soft); }
.band-navy { background: var(--navy); color: #fff; padding: 88px 0; }
.band-soft + .band-paper { border-top: 1px solid var(--line); }
.sec-talk { padding: 88px 0; }
.sec-also { padding: 64px 0; }
.sec-head { margin-bottom: 40px; }
.sec-head .h2 { margin-top: 18px; }

/* question chip */
.qchip {
  display: inline-flex; align-items: center; gap: 10px; padding: 12px 18px; border-radius: 18px 18px 18px 4px;
  background: var(--paper); color: var(--ink); font-weight: 600; font-size: 16px; line-height: 1.35;
}
.qchip-i { width: 20px; height: 20px; padding: 4px; border-radius: 50%; background: var(--sky); color: #fff; flex-shrink: 0; }
.qchip-on-tint { background: #fff; box-shadow: 0 1px 0 var(--line); }
.qchip-on-navy { background: rgba(255, 255, 255, .08); color: #fff; }

/* 4.1 answer */
.answer-grid { display: grid; grid-template-columns: 7fr 5fr; gap: 56px; align-items: start; }
.answer-col { display: flex; flex-direction: column; }
.qchip-client { align-self: flex-end; border-radius: 18px 18px 4px 18px; }
.reply {
  margin-top: 16px; padding: 32px; background: #fff; border: 1px solid var(--line); border-radius: 20px 20px 20px 4px; box-shadow: var(--sh-card);
}
.reply .h2 { margin: 10px 0 18px; }
.answer { font-size: 17.5px; line-height: 1.6; color: var(--ink); }
.reply .h3 { margin-bottom: 6px; }
.who { color: var(--muted); }
.calc-col { display: flex; flex-direction: column; gap: 16px; padding-top: 8px; }
.calc-label { font-weight: 700; }
.calc { padding: 22px 24px; background: #fff; border: 1px solid var(--line); border-radius: 14px; transition: border-color .2s, box-shadow .2s; }
.calc:hover { border-color: #c9d6e3; box-shadow: var(--sh-card); }
.calc-head { display: flex; align-items: center; gap: 14px; }
.calc-icon { display: grid; place-items: center; width: 40px; height: 40px; border-radius: 10px; background: #e7f3fb; color: var(--label); flex-shrink: 0; }
.calc-t { font-size: 19px; font-weight: 700; line-height: 1.3; }
.calc-d { margin-top: 8px; font-size: 15px; line-height: 1.55; color: var(--muted); }
.calc-l { margin-top: 14px; font-size: 12px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }
.calc-ins { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 8px; }
.calc-ins li { padding: 4px 10px; border-radius: 999px; background: var(--soft); border: 1px solid var(--line); font-size: 13px; font-weight: 600; line-height: 1.4; color: var(--ink); }
.calc-go { margin-top: 16px; min-height: 44px; font-size: 15px; }
.sec-answer--single .reply { margin-top: 16px; }
.calc-row { display: flex; flex-wrap: wrap; align-items: center; gap: 8px 14px; margin-top: 20px; padding: 14px 20px; border: 1px solid var(--line); border-radius: 14px; background: var(--paper); }
.calc-row p { font-weight: 600; }

/* 4.2 options */
.opts { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.opt { display: flex; flex-direction: column; min-height: 240px; padding: 28px; background: #fff; border: 1px solid var(--line); border-radius: 16px; }
.opt-icon { display: grid; place-items: center; width: 48px; height: 48px; border-radius: 12px; background: var(--soft); color: var(--navy); }
.opt-icon .i { width: 24px; height: 24px; }
.opt-t { margin-top: 20px; font-size: 20px; font-weight: 700; line-height: 1.3; }
.opt-d { margin-top: 8px; color: var(--muted); }
.opt-ask { margin-top: auto; padding-top: 16px; }

/* 4.3 timeline */
.timeline { display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; counter-reset: none; }
.step { position: relative; }
.step:not(:last-child)::after { content: ""; position: absolute; top: 21px; left: 56px; right: -20px; height: 2px; background: var(--line); }
.step:first-child::after { background: var(--sky); }
.step-n { display: grid; place-items: center; width: 44px; height: 44px; border-radius: 50%; background: var(--navy); color: #fff; font-family: var(--pjs); font-weight: 700; font-size: 18px; }
.step-body { margin-top: 18px; }
.step-t { font-size: 19px; font-weight: 700; line-height: 1.3; }
.step-d { margin-top: 6px; font-size: 16px; color: var(--muted); line-height: 1.6; }
.lenders { display: flex; align-items: center; gap: 20px 36px; margin-top: 48px; padding: 24px 28px; border-radius: 16px; background: var(--soft); }
.lenders-label { font-size: 14px; font-weight: 600; color: var(--ink); flex-shrink: 0; max-width: 170px; line-height: 1.45; }
.lenders-logos { display: flex; flex: 1; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 20px 24px; }
.lenders-logos img { height: 26px; width: auto; filter: grayscale(1); opacity: .7; }
.lenders-logos .lender-nationwide { height: 20px; opacity: .5; }

/* 4.4 costs */
.costs-grid { display: grid; grid-template-columns: 7fr 5fr; gap: 48px; align-items: start; }
.costs .h3 { margin-bottom: 8px; }
.checklist li { display: flex; align-items: center; gap: 14px; min-height: 56px; padding: 10px 0; border-bottom: 1px solid #dbe2e9; font-size: 16.5px; line-height: 1.45; }
.tick { display: grid; place-items: center; width: 22px; height: 22px; border-radius: 50%; background: var(--green); color: #fff; flex-shrink: 0; }
.tick .i { width: 13px; height: 13px; }
.riskcard { align-self: center; padding: 32px; background: #fff; border-radius: 16px; border-left: 6px solid var(--navy); }
.riskcard .h3 { margin-bottom: 12px; }
.risk { font-weight: 700; font-size: 18px; line-height: 1.55; color: var(--ink); }

/* 4.5 team */
.team-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 20px; }
.tm { position: relative; display: flex; flex-direction: column; border-radius: 16px; transition: outline-color .3s; outline: 3px solid transparent; outline-offset: 6px; }
.tm.is-flash, .lad.is-flash, .kstrip.is-flash { outline-color: var(--logo); }
.tm-photo { position: relative; aspect-ratio: 4 / 5; border-radius: 14px; overflow: hidden; background: #1d3050; }
.tm-photo img { width: 100%; height: 100%; object-fit: cover; object-position: top; }
.tm-label { margin-top: 14px; font-size: 12px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--logo); line-height: 1.3; }
.tm-label-dark { color: var(--label); margin-top: 0; font-family: var(--fig); }
.tm-badge { position: absolute; left: 10px; bottom: 10px; margin: 0; padding: 4px 9px; border-radius: 6px; background: rgba(15, 28, 51, .88); font-size: 11.5px; }
.tm-name { margin-top: 14px; font-size: 18px; font-weight: 700; line-height: 1.3; }
.tm-name a { display: inline-block; padding-block: 11px; margin-block: -11px; color: #fff; text-decoration: none; }
.tm-name a:hover { text-decoration: underline; }
.tm-title { margin-top: 2px; font-size: 14px; line-height: 1.4; color: #c9d6e3; }
.tm-email { margin-top: auto; min-height: 44px; font-size: 15px; }
.tm-title { margin-bottom: 16px; }
.tm-more { display: none; }

/* 4.6 reviews */
.rhead { display: flex; align-items: baseline; justify-content: space-between; gap: 16px 32px; flex-wrap: wrap; margin-bottom: 36px; }
.rcaption { margin-top: 8px; font-size: 15px; color: var(--muted); }
.rfeat { display: grid; grid-template-columns: 56px 1fr; column-gap: 20px; padding: 0 0 40px; margin-bottom: 32px; border-bottom: 1px solid var(--line); }
.rfeat-mark { font-family: Georgia, "Times New Roman", serif; font-size: 96px; line-height: .9; color: var(--sky); height: 56px; }
.rfeat-q p { font-family: var(--pjs); font-weight: 600; font-size: 24px; line-height: 1.4; letter-spacing: -.01em; color: var(--ink); max-width: 900px; }
.rfeat-by { grid-column: 2; display: flex; flex-wrap: wrap; align-items: center; gap: 10px 14px; margin-top: 20px; }
.rname { font-weight: 600; font-size: 15px; color: var(--ink); }
.srcb { display: inline-flex; align-items: center; gap: 8px; padding: 5px 12px; border-radius: 999px; background: #fff; border: 1px solid var(--line); font-size: 13px; font-weight: 600; line-height: 1.3; color: var(--ink); }
.srcb-dot { width: 8px; height: 8px; border-radius: 50%; }
.srcb-google .srcb-dot { background: var(--g-star); }
.srcb-tp .srcb-dot { background: var(--tp); }
.advchip { display: inline-flex; align-items: center; gap: 8px; min-height: 44px; padding: 0 14px 0 8px; border-radius: 999px; font-size: 14px; font-weight: 600; color: var(--link); text-decoration: none; }
.advchip:hover { background: rgba(27, 100, 160, .08); }
.advchip img { width: 28px; height: 28px; border-radius: 50%; object-fit: cover; object-position: center 20%; }
.rgrid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.rgrid-2 { grid-template-columns: repeat(2, 1fr); }
.rcard { display: flex; flex-direction: column; align-items: stretch; padding: 28px; background: var(--paper); border-radius: 16px; }
.rcard-q { margin-bottom: 20px; }
.rcard-q p { font-size: 17px; line-height: 1.6; color: var(--ink); }
.rcard-foot { display: flex; flex-direction: column; align-items: flex-start; gap: 6px; margin-top: auto; padding-top: 16px; border-top: 1px solid #e4e1d8; }
.rcard-by { display: flex; flex-wrap: wrap; align-items: center; gap: 6px 12px; min-height: 30px; }
.rcard-foot .advchip { margin: 0 0 -8px -8px; }
@media (min-width: 901px) { .rcard-foot { min-height: 88px; } }
.only-narrow-i { display: none; }

/* 4.7 FAQs */
.faq-head { text-align: center; margin-bottom: 32px; }
.faq-head .muted { margin-top: 10px; }
.faq-stack { display: grid; gap: 10px; }
.faq { background: #fff; border: 1px solid var(--line); border-radius: 12px; }
.faq summary { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 64px; padding: 14px 20px 14px 24px; cursor: pointer; list-style: none; border-radius: 12px; }
.faq summary::-webkit-details-marker { display: none; }
.faq-q { font-family: var(--pjs); font-weight: 600; font-size: 18px; line-height: 1.4; color: var(--ink); }
.faq-i { display: grid; place-items: center; width: 28px; height: 28px; border-radius: 50%; background: var(--soft); color: var(--ink); flex-shrink: 0; transition: transform .2s, background-color .2s; }
.faq-i .i { width: 16px; height: 16px; }
.faq[open] .faq-i { transform: rotate(45deg); background: var(--navy); color: #fff; }
.faq-a { padding: 0 24px 20px; }
.faq-a p { font-size: 16.5px; color: var(--muted); max-width: 680px; }
.faq-strip { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 12px 24px; margin-top: 24px; padding: 14px 16px 14px 24px; background: #fff; border: 1px solid var(--line); border-radius: 12px; }
.faq-strip-t { font-family: var(--pjs); font-weight: 700; font-size: 17px; }
.faq-strip-a { display: flex; flex-wrap: wrap; align-items: center; gap: 8px 20px; }

/* 4.8 talk */
.sec-talk > .container > .h2 { margin-bottom: 32px; }
.talk-grid { display: grid; grid-template-columns: 5fr 7fr; gap: 40px; align-items: start; }
.people { padding: 32px; background: var(--paper); border-radius: 20px; }
.people-photo { width: 280px; max-width: 100%; aspect-ratio: 4 / 5; border-radius: 6px 160px 6px 6px; overflow: hidden; background: #e9e6dd; }
.people-photo img { width: 100%; height: 100%; object-fit: cover; object-position: top; }
.people-id { display: flex; align-items: center; gap: 14px; margin-top: 22px; }
.people-av { display: none; width: 64px; height: 64px; border-radius: 50%; object-fit: cover; object-position: center 20%; }
.people-name { font-family: var(--pjs); font-weight: 700; font-size: 20px; line-height: 1.3; }
.people-title { font-size: 15px; color: var(--muted); line-height: 1.4; }
.people-email { margin-top: 18px; }
.people-now { font-weight: 600; font-size: 15px; margin-bottom: 12px; }
.people-btns { display: flex; flex-wrap: wrap; gap: 10px; }
.people-btns .btn { min-height: 48px; padding: 0 16px; font-size: 15px; }
.people-hours { display: flex; align-items: center; gap: 8px; margin-top: 14px; font-size: 14px; color: var(--muted); }
.people-hours .i { width: 18px; height: 18px; }
.formcard { padding: 32px; background: #fff; border: 1px solid var(--line); border-radius: 20px; box-shadow: var(--sh-card); }

/* enquiry */
.stepper { display: flex; flex-wrap: wrap; gap: 8px; }
.stepper li { display: inline-flex; align-items: center; gap: 8px; min-height: 36px; padding: 0 14px 0 6px; border-radius: 999px; background: var(--soft); color: var(--muted); font-size: 14px; font-weight: 600; }
.sp-n, .sp-ok { display: grid; place-items: center; width: 24px; height: 24px; border-radius: 50%; background: #fff; color: var(--ink); font-size: 13px; font-weight: 700; }
.sp-ok { display: none; background: var(--green); color: #fff; }
.sp-ok .i { width: 13px; height: 13px; }
.stepper li.is-current { background: var(--navy); color: #fff; }
.stepper li.is-done { color: var(--ink); }
.stepper li.is-done .sp-n { display: none; }
.stepper li.is-done .sp-ok { display: grid; }
.enq-status { margin-top: 14px; font-size: 13px; font-weight: 600; color: var(--muted); }
.enq-bar { height: 4px; margin-top: 8px; border-radius: 4px; background: var(--line); overflow: hidden; }
.enq-bar span { display: block; height: 100%; width: 33.33%; background: var(--sky); border-radius: 4px; transition: width .3s; }
.is-step-2 .enq-bar span { width: 66.66%; }
.is-step-3 .enq-bar span { width: 100%; }
.enq-summary { display: flex; flex-wrap: wrap; align-items: center; gap: 6px 10px; margin-top: 14px; padding: 10px 14px; border-radius: 10px; background: var(--paper); font-size: 14px; min-height: 44px; }
.enq-summary-l { font-size: 12px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }
.enq-summary-v { display: flex; flex-wrap: wrap; align-items: center; gap: 6px; font-weight: 600; color: var(--ink); }
.sumchip { padding: 2px 10px; border-radius: 999px; background: #fff; border: 1px solid var(--line); font-size: 13px; }
.enq-steps { margin-top: 24px; }
.enq-step + .enq-step { margin-top: 28px; }
.enq.is-js .enq-step { display: none; margin-top: 0; }
.enq.is-js .enq-step.is-active { display: block; }
.enq-legend { font-family: var(--pjs); font-weight: 700; font-size: 20px; line-height: 1.3; margin-bottom: 16px; color: var(--ink); }
.enq-legend:focus { outline: none; }
.tiles { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.tile { position: relative; display: block; cursor: pointer; }
.tile-wide { grid-column: 1 / -1; }
.tile input, .pill input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.tile-box { display: flex; align-items: center; justify-content: space-between; gap: 10px; min-height: 64px; padding: 0 16px 0 18px; border-radius: 12px; background: var(--soft); border: 1.5px solid var(--field); font-weight: 600; font-size: 16px; line-height: 1.3; transition: border-color .15s, background-color .15s; }
.tile:hover .tile-box { border-color: var(--ink); }
.tile-tick { display: grid; place-items: center; width: 24px; height: 24px; border-radius: 50%; border: 1.5px solid var(--field); background: #fff; color: transparent; flex-shrink: 0; }
.tile-tick .i { width: 14px; height: 14px; }
.tile input:checked + .tile-box { border-color: var(--green); background: #fff; box-shadow: 0 0 0 1px var(--green); }
.tiles[aria-invalid="true"] .tile-box { border-color: var(--err); }
.tile input:checked + .tile-box .tile-tick { background: var(--green); border-color: var(--green); color: #fff; }
.tile input:focus-visible + .tile-box, .pill input:focus-visible + span { outline: 3px solid var(--navy); outline-offset: 2px; }
.subset { margin-top: 22px; }
.sublegend { font-weight: 600; font-size: 15px; margin-bottom: 10px; color: var(--ink); }
.optl { font-weight: 400; color: var(--muted); }
.pills { display: flex; flex-wrap: wrap; gap: 8px; }
.pill { position: relative; cursor: pointer; }
.pill span { display: inline-flex; align-items: center; min-height: 44px; padding: 0 16px; border-radius: 999px; border: 1.5px solid var(--field); background: #fff; font-size: 15px; font-weight: 600; transition: background-color .15s, border-color .15s; }
.pill:hover span { border-color: var(--ink); }
.pill input:checked + span { background: var(--navy); border-color: var(--navy); color: #fff; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field + .field, .field + .field-row, .field-row + .field, .field-row + .subset, .field + .field-check { margin-top: 16px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; align-items: start; }
.field-row > .field + .field { margin-top: 0; }
.field label { font-weight: 600; font-size: 15px; }
.field input[type="text"], .field input[type="tel"], .field input[type="email"], .field textarea {
  width: 100%; min-height: 48px; padding: 10px 14px; border: 1.5px solid var(--field); border-radius: 8px; background: #fff; font-size: 16px; line-height: 1.4;
  transition: border-color .15s, box-shadow .15s;
}
.field textarea { min-height: 112px; resize: vertical; }
.field input:hover, .field textarea:hover { border-color: var(--muted); }
.field input:focus, .field textarea:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 3px rgba(63, 169, 224, .45); }
.field input[aria-invalid="true"], .field textarea[aria-invalid="true"] { border-color: var(--err); }
.field input[aria-invalid="true"]:focus, .field textarea[aria-invalid="true"]:focus { border-color: var(--err); box-shadow: 0 0 0 3px rgba(180, 35, 24, .2); }
.err { color: var(--err); font-size: 14px; font-weight: 600; line-height: 1.4; }
.err[hidden] { display: none; }
.field-check { display: grid; grid-template-columns: 24px 1fr; column-gap: 12px; align-items: start; margin-top: 18px; }
.field-check input { width: 22px; height: 22px; margin: 2px 0 0; accent-color: var(--green); }
.field-check label { font-weight: 400; font-size: 14.5px; line-height: 1.5; color: var(--muted); }
.field-check .err { grid-column: 2; margin-top: 4px; }
.field-check input[aria-invalid="true"] { outline: 2px solid var(--err); outline-offset: 2px; }
.enq-micro { margin-top: 12px; font-size: 14px; color: var(--muted); text-align: right; }
.enq-nav { display: flex; align-items: center; justify-content: space-between; gap: 16px; margin-top: 28px; padding-top: 20px; border-top: 1px solid var(--line); }
.enq:not(.is-js) [data-back], .enq:not(.is-js) [data-next] { display: none; }
.enq:not(.is-js) .enq-nav { justify-content: flex-end; }
.enq.is-js:not(.is-step-3) .enq-submit, .enq.is-js:not(.is-step-3) .enq-micro { display: none; }
.btn-back { min-height: 44px; padding: 0 8px; border: 0; background: none; color: var(--link); font-weight: 700; font-size: 15px; }
.btn-back:hover { text-decoration: underline; }
.is-step-1 .btn-back { visibility: hidden; }
.is-step-3 [data-next] { display: none; }
.done { display: flex; flex-direction: column; align-items: flex-start; gap: 14px; padding: 12px 0 4px; }
.done:focus { outline: none; }
.done-tick { display: grid; place-items: center; width: 48px; height: 48px; border-radius: 50%; background: var(--green); color: #fff; }
.done-tick .i { width: 24px; height: 24px; }
.done-t { font-family: var(--pjs); font-weight: 700; font-size: 20px; line-height: 1.3; }
.done p { color: var(--muted); }
.done .done-t { color: var(--ink); }

/* 4.9 also */
.sec-also .h2 { margin-bottom: 32px; }
.also-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.also a { display: flex; flex-direction: column; height: 100%; padding: 20px; background: #fff; border: 1px solid var(--line); border-radius: 12px; text-decoration: none; color: var(--ink); transition: border-color .2s, box-shadow .2s; }
.also a:hover { border-color: #c9d6e3; box-shadow: var(--sh-card); }
.also img { width: 100%; height: 88px; object-fit: cover; border-radius: 8px; }
.also .also-img--personal-protection { object-position: center 28%; }
.also-t { display: flex; align-items: center; justify-content: space-between; gap: 8px; margin-top: 16px; font-family: var(--pjs); font-weight: 700; font-size: 17px; line-height: 1.3; }
.also-t .i { color: var(--green); width: 20px; height: 20px; transition: transform .18s; }
.also a:hover .also-t .i { transform: translateX(3px); }
.also-d { margin-top: 6px; font-size: 14px; line-height: 1.5; color: var(--muted); }

/* ---------- location ---------- */
.lad-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.lad { border-radius: 18px; outline: 3px solid transparent; outline-offset: 6px; transition: outline-color .3s; }
.lad-photo { aspect-ratio: 4 / 5; border-radius: 16px; overflow: hidden; background: var(--soft); }
.lad-photo img { width: 100%; height: 100%; object-fit: cover; object-position: top; }
.lad-body { padding-top: 18px; }
.lad-name { font-size: 20px; font-weight: 700; line-height: 1.3; }
.lad-name a { display: inline-block; padding-block: 11px; margin-block: -11px; color: var(--ink); text-decoration: none; }
.lad-name a:hover { text-decoration: underline; }
.lad-title { font-size: 15px; color: var(--muted); }
.lad-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 8px 20px; margin-top: 16px; }
.lad-actions .btn { min-height: 44px; font-size: 15px; }
.kstrip { display: flex; align-items: center; gap: 18px; margin-top: 32px; padding: 18px 24px; border-radius: 16px; background: var(--paper); outline: 3px solid transparent; outline-offset: 4px; transition: outline-color .3s; }
.kstrip-av { width: 56px; height: 56px; border-radius: 50%; object-fit: cover; object-position: center 20%; flex-shrink: 0; }
.kstrip-name { font-family: var(--pjs); font-weight: 700; font-size: 18px; line-height: 1.3; }
.kstrip-name a { color: var(--ink); text-decoration: none; }
.kstrip-name a:hover { text-decoration: underline; }
.kstrip-title { font-size: 15px; color: var(--muted); line-height: 1.4; }
.kstrip-btn { margin-left: auto; min-height: 44px; font-size: 15px; }

.visit-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.points li { display: flex; align-items: center; gap: 16px; min-height: 72px; padding: 14px 0; border-bottom: 1px solid #e4e1d8; font-size: 16.5px; line-height: 1.5; }
.points li:first-child { padding-top: 0; }
.pt-icon { display: grid; place-items: center; width: 40px; height: 40px; border-radius: 10px; background: var(--soft); border: 1px solid var(--line); color: var(--navy); flex-shrink: 0; }
.visitcard { padding: 32px; background: #fff; border-radius: 20px; border: 1px solid var(--line); }
.visit-pin { display: grid; place-items: center; width: 44px; height: 44px; border-radius: 50%; background: #e8f6ef; color: var(--green); }
.visit-pin .i { width: 22px; height: 22px; }
.visit-label { margin-top: 16px; font-family: var(--fig); font-size: 13px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--label); }
.visit-addr { margin-top: 6px; font-family: var(--pjs); font-weight: 700; font-size: 22px; line-height: 1.35; color: var(--ink); }
.visitcard .link-arrow { margin-top: 6px; }
.visit-hours { display: flex; align-items: center; gap: 8px; margin: 6px 0 20px; color: var(--muted); font-size: 15px; }
.visit-hours .i { width: 18px; height: 18px; }

.hcards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.hcard a { display: flex; flex-direction: column; height: 100%; background: #fff; border: 1px solid var(--line); border-radius: 14px; overflow: hidden; text-decoration: none; color: var(--ink); transition: box-shadow .2s, border-color .2s; }
.hcard a:hover { box-shadow: var(--sh-card); border-color: #c9d6e3; }
.hcard img { width: 100%; aspect-ratio: 3 / 2; object-fit: cover; }
.hcard-body { display: flex; flex-direction: column; padding: 18px 20px 22px; }
.hcard-t { display: flex; align-items: center; justify-content: space-between; gap: 8px; font-family: var(--pjs); font-weight: 700; font-size: 18px; line-height: 1.3; }
.hcard-t .i { color: var(--green); transition: transform .18s; }
.hcard a:hover .hcard-t .i { transform: translateX(3px); }
.hcard-d { margin-top: 6px; font-size: 15px; line-height: 1.5; color: var(--muted); }
.alsorow { display: flex; flex-wrap: wrap; align-items: center; gap: 10px 14px; margin-top: 28px; }
.alsorow-l { font-weight: 700; font-size: 15px; }
.pill-links { display: flex; flex-wrap: wrap; gap: 8px; }
.pill-link { display: inline-flex; align-items: center; min-height: 44px; padding: 0 18px; border-radius: 999px; background: #fff; border: 1px solid var(--line); color: var(--ink); text-decoration: none; font-weight: 600; font-size: 15px; }
.pill-link:hover { border-color: var(--ink); }
.sec-help .lenders { background: #fff; border: 1px solid var(--line); margin-top: 36px; }

.people--trio .trio { display: flex; }
.trio img { width: 72px; height: 72px; border-radius: 50%; object-fit: cover; object-position: center 20%; border: 3px solid var(--paper); margin-left: -14px; }
.trio img:first-child { margin-left: 0; }
.trio-t { margin-top: 18px; font-family: var(--pjs); font-weight: 700; font-size: 20px; line-height: 1.35; max-width: 24ch; }
@media (min-width: 901px) { .people--trio { position: sticky; top: 104px; } }
.trio-emails { margin-top: 12px; display: grid; gap: 2px; }

/* ---------- footer ---------- */
.ftr { background: var(--deep); color: #b8c4d3; padding: 72px 0 96px; font-size: 15px; }
.ftr a { color: #dbe3ec; text-decoration: none; }
.ftr a:hover { color: #fff; text-decoration: underline; }
.ftr-grid { display: grid; grid-template-columns: 1.5fr repeat(4, 1fr); gap: 32px; }
.ftr-logo img { height: 40px; width: auto; }
.ftr-company { margin-top: 20px; line-height: 1.6; }
.ftr-company strong { color: #fff; font-weight: 700; }
.ftr-meta { margin-top: 8px; line-height: 1.6; }
.fcol-h { font-family: var(--pjs); font-weight: 700; font-size: 15px; color: #fff; margin-bottom: 14px; }
.fcol li, .fcol-m li { line-height: 1.5; }
.fcol li a, .fcol li span { display: inline-block; padding: 5px 0; }
.fcol-m { display: none; }
.ftr-legal { margin-top: 48px; padding-top: 28px; border-top: 1px solid rgba(255, 255, 255, .12); font-size: 14px; line-height: 1.65; color: #b8c4d3; }
.ftr-legal a { color: #dbe3ec; text-decoration: underline; }
.ftr-bottom { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 12px 24px; margin-top: 24px; font-size: 14px; }
.ftr-bottom ul { display: flex; flex-wrap: wrap; gap: 4px 24px; }
.ftr-bottom a { display: inline-flex; align-items: center; min-height: 44px; }

/* ---------- floating ---------- */
.wa-pill {
  position: fixed; right: 24px; bottom: 24px; z-index: 50; display: inline-flex; align-items: center; gap: 8px;
  min-height: 48px; padding: 0 20px 0 16px; border-radius: 999px; background: var(--green); color: #fff; font-weight: 700; font-size: 15px; text-decoration: none;
  box-shadow: 0 14px 30px -12px rgba(12, 127, 80, .6); transition: transform .25s, opacity .25s, background-color .18s;
}
.wa-pill:hover { background: var(--green-h); }
.wa-pill.is-hidden, .mbar.is-hidden { transform: translateY(140%); opacity: 0; pointer-events: none; visibility: hidden; transition: transform .25s, opacity .25s, visibility 0s linear .25s; }
.mbar { display: none; }

/* ---------- dialog ---------- */
.edlg { width: min(560px, calc(100% - 32px)); max-height: calc(100% - 32px); padding: 0; border: 0; border-radius: 20px; color: var(--ink); box-shadow: 0 40px 80px -30px rgba(0, 0, 0, .5); }
.edlg::backdrop { background: rgba(15, 28, 51, .62); }
.edlg-body { padding: 28px; }
.edlg-head { display: flex; align-items: center; gap: 14px; }
.edlg-avatar { width: 56px; height: 56px; border-radius: 50%; object-fit: cover; object-position: center 20%; flex-shrink: 0; }
.edlg-title { font-size: 22px; font-weight: 700; line-height: 1.25; }
.edlg-role { font-size: 14px; color: var(--muted); line-height: 1.4; }
.edlg-close { margin-left: auto; align-self: flex-start; display: grid; place-items: center; width: 44px; height: 44px; border: 0; border-radius: 10px; background: var(--soft); color: var(--ink); flex-shrink: 0; }
.edlg-note { margin: 16px 0 20px; font-size: 14.5px; color: var(--muted); line-height: 1.5; }
.dform .btn { margin-top: 22px; }

@media (prefers-reduced-motion: no-preference) { html { scroll-behavior: smooth; } }

/* ---------- reveal ---------- */
.reveal { transition: opacity .4s ease, transform .4s ease; }
.reveal.is-pending { opacity: 0; transform: translateY(12px); }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition-duration: 0s !important; animation-duration: 0s !important; scroll-behavior: auto !important; }
  .reveal.is-pending { opacity: 1; transform: none; }
}

/* ---------- responsive ---------- */
@media (min-width: 640px) and (max-width: 1180px) {
  .tbar--location { grid-template-columns: 1.2fr 1.07fr .75fr 1fr; }
  .tbar .tcell { padding-inline: 20px; }
  .tbar .tval { font-size: 19px; }
}
@media (min-width: 640px) and (max-width: 1099px) {
  .tbar--location { grid-template-columns: 1.15fr 1fr .8fr 1fr; }
  .tbar--location .tcell-icon { flex-direction: column; align-items: flex-start; gap: 6px; }
  .tbar--location .tval { font-size: 17px; }
}

@media (max-width: 1180px) {
  .hdr-in { gap: 18px; }
  .nav-btn, .nav-link { padding: 0 9px; }
  .hdr-actions { gap: 16px; }
  .team-grid { gap: 14px; }
}

@media (max-width: 1023px) {
  html { scroll-padding-top: 80px; scroll-padding-bottom: calc(88px + env(safe-area-inset-bottom)); }
  .hdr { height: 64px; }
  .hdr-logo img { height: 32px; }
  .nav, .hdr-phone, .hdr-cta { display: none; }
  .hdr-actions { margin-left: auto; gap: 8px; }
  .hdr-call { display: inline-flex; align-items: center; gap: 6px; min-height: 44px; padding: 0 14px; border-radius: 999px; border: 1.5px solid rgba(255, 255, 255, .8); color: #fff; font-weight: 700; font-size: 15px; text-decoration: none; }
  .hdr-call .i { width: 16px; height: 16px; }
  .hdr.is-scrolled .hdr-call { border-color: var(--ink); color: var(--ink); }
  .burger { display: grid; place-items: center; width: 44px; height: 44px; border: 0; border-radius: 10px; background: transparent; color: #fff; }
  .burger .i { width: 26px; height: 26px; }
  .hdr.is-scrolled .burger { color: var(--ink); }
  .wa-pill { display: none; }
  .mbar {
    position: fixed; inset: auto 0 0; z-index: 50; display: grid; grid-template-columns: .85fr 1.15fr 1.6fr; gap: 8px;
    min-height: calc(64px + env(safe-area-inset-bottom)); padding: 8px 12px calc(8px + env(safe-area-inset-bottom));
    background: #fff; border-top: 1px solid var(--line); box-shadow: 0 -10px 30px -18px rgba(14, 35, 64, .35);
    transition: transform .25s, opacity .25s, visibility 0s;
  }
  .mbar-btn { display: inline-flex; align-items: center; justify-content: center; gap: 6px; min-height: 48px; border-radius: 8px; border: 1.5px solid #c9d3de; color: var(--ink); font-weight: 700; font-size: 14px; text-decoration: none; }
  .mbar-btn .i { width: 18px; height: 18px; }
  .mbar-go { background: var(--green); border-color: var(--green); color: #fff; }
  .ftr { padding-bottom: calc(88px + env(safe-area-inset-bottom)); }

  .hero { padding: 128px 0 112px; }
  .hero-grid { grid-template-columns: 1fr; gap: 28px; }
  .advcard { justify-self: stretch; width: auto; display: flex; align-items: center; gap: 14px; padding: 12px 14px; background: rgba(255, 255, 255, .1); border: 1px solid rgba(255, 255, 255, .22); box-shadow: none; color: #fff; border-radius: 16px; max-width: 560px; }
  .advcard-photo { width: 56px; height: 56px; aspect-ratio: auto; border-radius: 50%; flex-shrink: 0; }
  .advcard-body { padding: 0; display: grid; grid-template-columns: 1fr auto; column-gap: 12px; align-items: center; flex: 1; }
  .advcard-label { display: none; }
  .advcard-name { margin: 0; font-size: 17px; grid-column: 1; }
  .advcard-name a { color: #fff; }
  .advcard-title { grid-column: 1; font-size: 14px; color: #dbe3ec; }
  .advcard-email { grid-column: 2; grid-row: 1 / span 2; margin: 0; color: #fff; }

  .team-grid { grid-template-columns: repeat(3, 1fr); }
  .tm-more { display: flex; }
  .tm-more a { display: flex; flex-direction: column; align-items: flex-start; justify-content: flex-end; gap: 10px; width: 100%; height: 100%; min-height: 160px; padding: 20px; border-radius: 14px; background: rgba(255, 255, 255, .08); color: #fff; font-family: var(--pjs); font-weight: 700; font-size: 17px; text-decoration: none; }
  .tm-more .i { color: var(--logo); }
  .also-grid, .hcards { grid-template-columns: repeat(2, 1fr); }
  .ftr-grid { grid-template-columns: repeat(3, 1fr); }
  .ftr-co { grid-column: 1 / -1; }
}

@media (max-width: 1023px) {
  /* trust bar becomes a 2 x 2 grid on tablets and phones */
  .tbar, .tbar--location { grid-template-columns: 1fr 1fr; }
  .tcell + .tcell::before { display: none; }
  .tcell:nth-child(2n)::after { content: ""; position: absolute; left: 0; top: 14px; bottom: 14px; width: 1px; background: var(--line); }
  .tcell:nth-child(n + 3) { border-top: 1px solid var(--line); }
  .tcell:nth-child(3) { border-radius: 0 0 0 14px; }
  .tcell:nth-child(4) { border-radius: 0 0 14px 0; }
}

@media (max-width: 900px) {
  .band { padding: 64px 0; }
  .band-navy, .sec-talk { padding: 64px 0; }
  .sec-also { padding: 56px 0; }
  .answer-grid, .costs-grid, .talk-grid, .visit-grid { grid-template-columns: 1fr; gap: 32px; }
  .opts, .rgrid, .rgrid-2 { grid-template-columns: 1fr; gap: 12px; }
  .opt { min-height: 0; }
  .lad-grid { grid-template-columns: 1fr 1fr 1fr; gap: 16px; }
  .timeline { grid-template-columns: 1fr; gap: 0; }
  .step { display: grid; grid-template-columns: 44px 1fr; column-gap: 18px; padding-bottom: 28px; }
  .step:last-child { padding-bottom: 0; }
  .step:not(:last-child)::after { top: 52px; bottom: 8px; left: 21px; right: auto; width: 2px; height: auto; }
  .step-body { margin-top: 8px; }
  .lenders { flex-direction: column; align-items: flex-start; gap: 16px; }
  .lenders-label { max-width: none; }
  .lenders-logos { display: grid; grid-template-columns: repeat(3, 1fr); width: 100%; gap: 18px 16px; justify-items: start; }
  .people { display: grid; grid-template-columns: 1fr; }
  .people-photo { display: none; }
  .people-av { display: block; }
  .people-id { margin-top: 0; }
}

@media (max-width: 639px) {
  body { font-size: 16px; line-height: 1.55; }
  .answer, .who, .opt-d, .step-d, .faq-a p, .rcard-q p, .lede { line-height: 1.55; }
  .container, .container-narrow { width: calc(100% - 32px); }
  .h1 { font-size: 32px; line-height: 1.12; }
  .h2 { font-size: 26px; }
  .band { padding: 36px 0; }
  .band-navy, .sec-talk { padding: 44px 0; }
  .sec-also { padding: 36px 0; }
  .step-d, .opt-d, .who, .faq-a p, .calc-d, .lad-title { font-size: 15px; }
  .sec-head { margin-bottom: 20px; }
  .sec-head .h2 { margin-top: 12px; }
  .hero { padding: 96px 0 88px; min-height: 0; }
  .hero-shade { background: linear-gradient(180deg, rgba(14, 35, 64, .78) 0%, rgba(14, 35, 64, .66) 45%, rgba(14, 35, 64, .86) 100%); }
  .eyebrow { margin: 18px 0 12px; }
  .lede { font-size: 15.5px; margin-top: 14px; }
  .hero-ctas { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 24px; }
  .hero-ctas .btn { min-height: 48px; padding: 0 12px; font-size: 15px; }
  .only-wide, .only-wide-i { display: none; }
  .only-narrow, .only-narrow-i { display: inline; }
  .advcard { padding: 10px 12px; gap: 12px; }
  .advcard-photo { width: 48px; height: 48px; }
  .advcard-body { grid-template-columns: 1fr; }
  .advcard-email { grid-column: 1; grid-row: auto; min-height: 44px; margin: -4px 0 -6px; font-size: 14px; }
  .advcard-name { font-size: 16px; }
  .advcard-title { font-size: 13px; }

  .tbar { margin-top: -40px; border-radius: 14px; }
  .tcell { min-height: 88px; padding: 14px 14px; }
  .tcell-icon { flex-direction: column; align-items: flex-start; gap: 8px; }
  .ticon { width: 32px; height: 32px; }
  .ticon .i { width: 18px; height: 18px; }
  .tval { font-size: 18px; }
  .tcell-icon .tval { font-size: 15px; line-height: 1.3; }
  .tlabel { font-size: 12.5px; }
  .tcell-link:not(.tcell-team) { grid-template-columns: 1fr; }
  .tcell-link:not(.tcell-team) .tval { font-size: 18px; }
  .avstack img { width: 32px; height: 32px; }
  .stars-g .i { width: 15px; height: 15px; }
  .tp-sq { width: 16px; height: 16px; }

  .qchip { font-size: 15px; padding: 10px 14px; }
  .qchip-client { align-self: flex-start; }
  .reply { padding: 22px 20px; }
  .reply .h2 { margin: 8px 0 14px; }
  .reply hr.rule { margin: 18px 0; }
  .calc-col { gap: 10px; }
  .calc { display: grid; grid-template-columns: 1fr auto; align-items: center; gap: 12px; padding: 14px 14px 14px 16px; }
  .calc-head { gap: 12px; }
  .calc-t { font-size: 16.5px; }
  .calc-d, .calc-l, .calc-ins { display: none; }
  .calc-go { margin: 0; padding: 0 14px; font-size: 14px; }
  .calc-go-l { display: none; }
  .answer { font-size: 16.5px; }
  .calc { padding: 20px; }
  .opt { display: grid; grid-template-columns: 40px 1fr; column-gap: 14px; align-items: center; padding: 18px; }
  .opt-icon { width: 40px; height: 40px; border-radius: 10px; }
  .opt-icon .i { width: 20px; height: 20px; }
  .opt-t { margin: 0; font-size: 18px; }
  .opt-d, .opt-ask { grid-column: 1 / -1; }
  .opt-d { margin-top: 10px; }
  .opt-ask { padding-top: 4px; margin-bottom: -8px; }
  .riskcard { padding: 20px; }
  .risk { font-size: 17px; }
  .team-grid { grid-template-columns: 1fr 1fr; gap: 24px 12px; }
  .tm { outline-offset: 3px; }
  .tm-more a { min-height: 0; justify-content: center; }
  .tm-photo { aspect-ratio: 1 / 1; }
  .tm-photo img { object-position: center 18%; }
  .tm-name { font-size: 15.5px; margin-top: 10px; }
  .tm-title { font-size: 13px; margin-bottom: 10px; }
  .tm-email { padding: 0 8px; font-size: 14px; }
  .rfeat { grid-template-columns: 1fr; padding-bottom: 28px; margin-bottom: 24px; }
  .rfeat-mark { font-size: 72px; height: 40px; }
  .rfeat-q p { font-size: 18px; }
  .rfeat-by { grid-column: 1; }
  .rcard { padding: 18px 18px 12px; }
  .rcard-q { margin-bottom: 14px; }
  .rcard-q p { font-size: 16px; }
  .rcard-foot { padding-top: 12px; }
  .rhead { margin-bottom: 24px; }
  .faq summary { padding: 12px 16px 12px 18px; min-height: 60px; }
  .step { padding-bottom: 20px; }
  .step-d { font-size: 15px; }
  .checklist li { min-height: 44px; padding: 7px 0; font-size: 15.5px; }
  .lenders { margin-top: 32px; padding: 18px; }
  .rfeat-by { margin-top: 14px; gap: 8px 12px; }
  .faq-q { font-size: 16.5px; }
  .faq-a { padding: 0 18px 18px; }
  .faq-strip { flex-direction: column; align-items: stretch; text-align: left; padding: 18px; }
  .faq-strip-a .btn { width: 100%; }
  .people { padding: 18px; }
  .people-email { margin-top: 14px; }
  .people hr.rule { display: none; }
  .people-now { margin: 16px 0 8px; }
  .tile-box { min-height: 56px; }
  .enq-legend { font-size: 18px; margin-bottom: 12px; }
  .enq-summary { margin-top: 10px; padding: 8px 12px; }
  .enq-steps { margin-top: 18px; }
  .enq-nav { margin-top: 20px; padding-top: 14px; }
  .subset { margin-top: 18px; }
  .people-btns { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
  .people-btns .btn { padding: 0 8px; font-size: 14px; }
  .formcard { padding: 20px 16px; border-radius: 16px; }
  .enq-submit { flex: 1; max-width: 240px; padding: 0 16px; }
  .enq-micro { text-align: left; }
  .stepper li { padding: 0 10px 0 5px; font-size: 13px; }
  .stepper li .sp-t { display: none; }
  .stepper li.is-current .sp-t { display: inline; }
  .tiles { gap: 8px; }
  .tile-box { padding: 0 12px 0 14px; font-size: 15px; }
  .field-row { grid-template-columns: 1fr; gap: 0; }
  .field-row > .field + .field { margin-top: 16px; }
  .also-grid { gap: 12px; }
  .also a { padding: 14px; }
  .also img { height: 72px; }
  .also-t { font-size: 15.5px; margin-top: 12px; }
  .lad-grid { grid-template-columns: 1fr; gap: 0; }
  .lad { display: grid; grid-template-columns: 72px 1fr; column-gap: 16px; align-items: center; min-height: 104px; padding: 16px 0; border-bottom: 1px solid var(--line); border-radius: 0; }
  .lad-photo { width: 72px; height: 72px; aspect-ratio: auto; border-radius: 50%; }
  .lad-photo img { object-position: center 20%; }
  .lad-body { padding: 0; }
  .lad-name { font-size: 17px; }
  .lad-title { font-size: 14px; }
  .lad-actions { margin-top: 8px; }
  .lad-profile { display: none; }
  .kstrip { flex-wrap: wrap; padding: 16px; gap: 14px; }
  .kstrip-btn { margin-left: 0; width: 100%; }
  .visitcard { padding: 24px; }
  .hcards { gap: 12px; }
  .hcard-d { display: none; }
  .hcard-body { padding: 12px 14px 14px; }
  .hcard-t { font-size: 15.5px; }
  .edlg-body { padding: 20px; }
  .ftr { padding-top: 44px; font-size: 14.5px; }
  .ftr-company { margin-top: 14px; line-height: 1.5; }
  .ftr-meta { margin-top: 4px; line-height: 1.5; }
  .ftr-bottom { margin-top: 16px; }
  .ftr-bottom ul { gap: 0 20px; }
  .ftr-grid { grid-template-columns: 1fr; gap: 0; }
  .ftr-co { margin-bottom: 24px; }
  .fcol { display: none; }
  .fcol-m { display: block; border-top: 1px solid rgba(255, 255, 255, .12); }
  .fcol-m:last-child { border-bottom: 1px solid rgba(255, 255, 255, .12); }
  .fcol-m summary { display: flex; align-items: center; justify-content: space-between; min-height: 56px; cursor: pointer; list-style: none; font-family: var(--pjs); font-weight: 700; font-size: 16px; color: #fff; }
  .fcol-m summary::-webkit-details-marker { display: none; }
  .fcol-m ul { padding-bottom: 14px; }
  .fcol-m li a, .fcol-m li span { display: flex; align-items: center; min-height: 44px; }
  .ftr-legal { margin-top: 24px; padding-top: 0; border-top: 0; font-size: 12.5px; line-height: 1.6; }
}

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