/* Zinga Financial Services — site styles */
:root {
  --navy: #13233f;
  --navy-hover: #1f3760;
  --navy-deep: #0f1c33;
  --ink: #1a2233;
  --muted: #4a5468;
  --link: #1b64a0;
  --sky: #3fa9e0;
  --sky-soft: #e8f3fa;
  --sky-on-dark: #8fd0f2;
  --on-dark: #c9d3e3;
  --on-dark-muted: #aab6ca;
  --paper: #f7f6f2;
  --white: #ffffff;
  --line: #e3e1da;
  --line-strong: #d9d6ce;
  --chip-line: #cfd6e0;
  --hover-bg: #f1efe9;
  --radius: 12px;
  --focus: 3px solid var(--sky);
}

*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
html, body {
  margin: 0;
  padding: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: 'Figtree', system-ui, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, h4, p, figure, blockquote { margin: 0; }
a { color: var(--link); text-underline-offset: 3px; }
a:hover { color: var(--navy); }
:focus-visible { outline: var(--focus); outline-offset: 2px; }
img { max-width: 100%; display: block; }

.skip-link {
  position: absolute; left: 16px; top: -100px; z-index: 100;
  background: var(--navy); color: var(--white); padding: 10px 16px; border-radius: 8px; font-weight: 600;
}
.skip-link:focus { top: 12px; color: var(--white); }

.page { min-height: 100vh; display: flex; flex-direction: column; }
main { flex: 1; }
.container { max-width: 1200px; margin: 0 auto; padding-left: 24px; padding-right: 24px; }
.band-white { background: var(--white); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }

/* Type */
.h2 { font-size: clamp(22px, 2.4vw, 28px); line-height: 1.25; font-weight: 700; color: var(--navy); }
.lede { color: var(--muted); font-size: 17px; }
.section-head { display: flex; flex-direction: column; gap: 8px; margin-bottom: 32px; max-width: 640px; }
.section-head-row { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: flex-end; gap: 16px; margin-bottom: 28px; }
.section-head-row > div { display: flex; flex-direction: column; gap: 8px; max-width: 560px; }
.text-link { font-weight: 600; font-size: 15px; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 12px 22px; border-radius: 8px; font-size: 16px; font-weight: 600;
  min-height: 48px; white-space: nowrap; text-decoration: none; font-family: inherit; cursor: pointer;
}
.btn-primary { background: var(--navy); color: var(--white); border: 0; }
.btn-primary:hover { background: var(--navy-hover); color: var(--white); }
.btn-outline { border: 1.5px solid var(--navy); color: var(--navy); padding: 12px 20px; background: transparent; }
.btn-outline:hover { background: var(--hover-bg); color: var(--navy); }
.btn-light { background: var(--white); color: var(--navy); }
.btn-light:hover { background: var(--sky-soft); color: var(--navy); }
.btn-outline-dark { border: 1.5px solid #8fa3c2; color: var(--white); padding: 12px 20px; }
.btn-outline-dark:hover { border-color: var(--white); color: var(--white); }

/* Placeholder imagery (awaiting consented photos) */
.ph {
  background: repeating-linear-gradient(135deg, #e9e7e0 0 10px, #f1efe9 10px 20px);
  border-radius: 14px; display: flex; align-items: center; justify-content: center; padding: 24px;
}
.ph-label { font-family: ui-monospace, Menlo, monospace; font-size: 12px; color: #6a7080; text-align: center; }

/* Header */
.site-header { position: sticky; top: 0; z-index: 30; background: var(--white); border-bottom: 1px solid var(--line); }
.header-bar { height: 72px; display: flex; align-items: center; gap: 28px; }
.logo { display: flex; flex-shrink: 0; border-radius: 4px; }
.logo img { height: 40px; width: auto; }
.main-nav { display: flex; gap: 2px; align-items: center; margin-left: auto; }
.main-nav > a {
  padding: 8px 12px; border-radius: 6px; font-size: 15px; font-weight: 500;
  color: var(--navy); text-decoration: none; white-space: nowrap;
}
.main-nav > a:hover { background: var(--hover-bg); color: var(--navy); }
.main-nav > a[aria-current="page"] { background: #eef2f7; }
.header-actions { display: flex; align-items: center; gap: 16px; }
.header-phone { display: flex; flex-direction: column; line-height: 1.2; text-decoration: none; color: var(--navy); }
.header-phone small { font-size: 12px; color: var(--muted); }
.header-phone strong { font-size: 15px; font-weight: 700; white-space: nowrap; }
.header-cta { padding: 11px 18px; font-size: 15px; min-height: 0; }
.header-call-sm {
  display: none; align-items: center; background: var(--sky-soft); color: var(--navy);
  text-decoration: none; padding: 10px 14px; border-radius: 8px; font-size: 15px; font-weight: 600; min-height: 44px;
}

/* Between the mobile menu and wide screens there isn't room for every link plus the phone block. */
@media (min-width: 1000px) and (max-width: 1140px) {
  .header-bar { gap: 16px; }
  .main-nav > a { padding: 8px 9px; }
  .header-phone { display: none; }
}

@media (max-width: 999px) {
  .main-nav, .header-phone, .header-cta { display: none; }
  .header-actions { margin-left: auto; }
  .header-call-sm, .menu-toggle { display: flex; align-items: center; }
}

/* Hero */
.hero { background: var(--white); border-bottom: 1px solid var(--line); }
.hero-grid {
  padding-top: 56px; padding-bottom: 64px; display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 420px), 1fr)); gap: 48px; align-items: center;
}
.hero-copy { display: flex; flex-direction: column; gap: 20px; }
.eyebrow { display: flex; align-items: center; gap: 10px; }
.eyebrow::before { content: ""; width: 28px; height: 4px; background: var(--sky); border-radius: 2px; flex-shrink: 0; }
.eyebrow span { font-size: 14px; font-weight: 600; color: var(--link); letter-spacing: 0.02em; }
.hero h1 {
  font-size: clamp(28px, 3.4vw, 40px); line-height: 1.2; font-weight: 700; color: var(--navy);
  letter-spacing: -0.01em; text-wrap: balance;
}
.hero-sub { font-size: 18px; color: var(--muted); max-width: 520px; text-wrap: pretty; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 4px; }
.hero-alt { font-size: 15px; color: var(--muted); }
.hero-alt a { font-weight: 600; }
.hero-media { position: relative; }
.hero-media .ph { aspect-ratio: 5 / 4; }
.hero-badge {
  position: absolute; left: -12px; bottom: -20px; background: var(--white); border: 1px solid var(--line);
  border-radius: 12px; padding: 14px 16px; display: flex; gap: 12px; align-items: center;
  box-shadow: 0 8px 24px rgba(19, 35, 63, 0.08); max-width: 300px; line-height: 1.35;
}
.hero-badge-avatar {
  width: 44px; height: 44px; border-radius: 50%; flex-shrink: 0;
  background: repeating-linear-gradient(135deg, #dfe8ef 0 6px, #eaf1f6 6px 12px);
}
.hero-badge p:first-child { font-size: 14px; font-weight: 600; color: var(--navy); }
.hero-badge p:last-child { font-size: 13px; color: var(--muted); }
@media (max-width: 480px) { .hero-badge { left: 8px; } }

/* Trust strip */
.trust { background: var(--paper); border-bottom: 1px solid var(--line); }
.trust-grid {
  padding-top: 28px; padding-bottom: 28px; display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 24px;
  list-style: none; margin: 0 auto;
}
.trust-grid li { display: flex; flex-direction: column; gap: 2px; }
.trust-grid .label { font-size: 13px; color: var(--muted); }
.trust-grid .value { font-size: 15px; font-weight: 600; color: var(--navy); }
.trust-grid a.value { color: var(--link); }

/* Services */
.services { padding-top: 72px; padding-bottom: 24px; }
.card-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(100%, 260px), 1fr)); gap: 16px; }
.service-card {
  text-decoration: none; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 22px; display: flex; flex-direction: column; gap: 8px; color: inherit; min-height: 170px;
  transition: border-color .15s, box-shadow .15s;
}
.service-card:hover { border-color: var(--navy); box-shadow: 0 4px 16px rgba(19, 35, 63, 0.06); color: inherit; }
.service-card .t { font-size: 17px; font-weight: 600; color: var(--navy); line-height: 1.35; }
.service-card .d { font-size: 15px; color: var(--muted); line-height: 1.5; }
.service-card .more { margin-top: auto; font-size: 14px; font-weight: 600; color: var(--link); }
.service-card.dark { background: var(--navy); border-color: var(--navy); color: var(--white); }
.service-card.dark:hover { background: var(--navy-hover); color: var(--white); }
.service-card.dark .t { color: var(--white); }
.service-card.dark .d { color: var(--on-dark); }
.service-card.dark .more { color: var(--sky-on-dark); }

/* Process */
.process { padding-top: 64px; padding-bottom: 64px; }
.panel { background: var(--white); border: 1px solid var(--line); border-radius: 16px; padding: clamp(24px, 4vw, 48px); }
.panel .section-head-row { margin-bottom: 32px; }
.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 24px; }
.steps li { display: flex; flex-direction: column; gap: 8px; border-top: 3px solid var(--sky); padding-top: 16px; }
.steps .n { font-size: 13px; font-weight: 700; color: var(--link); }
.steps .t { font-size: 17px; font-weight: 600; color: var(--navy); }
.steps .d { font-size: 15px; color: var(--muted); }

/* Reasons */
.reasons {
  padding-top: 8px; padding-bottom: 64px; display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 300px), 1fr)); gap: 40px;
}
.reasons > div { display: flex; flex-direction: column; gap: 8px; }
.reasons > div:first-child { gap: 12px; }
.reasons h3 { font-size: 18px; font-weight: 600; color: var(--navy); }
.reasons p { font-size: 15px; color: var(--muted); }
.reasons a { font-size: 14px; font-weight: 600; }

/* Advisers */
.advisers { padding-top: 64px; padding-bottom: 64px; }
.adviser-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(100%, 240px), 1fr)); gap: 20px; }
.adviser { text-decoration: none; color: inherit; display: flex; flex-direction: column; gap: 12px; border-radius: 12px; }
.adviser:hover { color: inherit; }
.adviser:focus-visible { outline-offset: 4px; }
.adviser .ph { aspect-ratio: 4 / 5; border-radius: 12px; align-items: flex-end; justify-content: flex-start; padding: 14px; }
.adviser .ph-label { font-size: 11px; text-align: left; }
.adviser .name { font-size: 17px; font-weight: 600; color: var(--navy); }
.adviser:hover .name { text-decoration: underline; text-underline-offset: 3px; }
.adviser .role, .adviser .focus { font-size: 14px; color: var(--muted); }

/* Reviews */
.reviews { padding-top: 64px; padding-bottom: 64px; }
.review {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 22px; display: flex; flex-direction: column; gap: 14px;
}
.review-top { display: flex; justify-content: space-between; align-items: center; gap: 8px; }
.review-src {
  font-size: 12px; font-weight: 700; letter-spacing: 0.04em; text-transform: uppercase;
  color: var(--navy); background: var(--sky-soft); padding: 4px 8px; border-radius: 4px;
}
.review-when { font-size: 13px; color: var(--muted); }
.review blockquote { font-size: 15px; line-height: 1.6; color: var(--ink); }
.review figcaption { margin-top: auto; display: flex; flex-direction: column; gap: 2px; }
.review .who { font-size: 14px; font-weight: 600; color: var(--navy); }
.review .adv { font-size: 13px; color: var(--muted); }
.review figcaption a { font-size: 13px; font-weight: 600; margin-top: 6px; }
.review-links { display: flex; flex-wrap: wrap; gap: 24px; margin-top: 24px; }

/* Area */
.area-grid {
  padding-top: 64px; padding-bottom: 64px; display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 380px), 1fr)); gap: 48px; align-items: start;
}
.area-copy { display: flex; flex-direction: column; gap: 16px; }
.office-card { border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; display: flex; flex-direction: column; gap: 4px; font-style: normal; }
.office-card .label { font-size: 13px; color: var(--muted); }
.office-card .addr { font-size: 16px; font-weight: 600; color: var(--navy); }
.office-card a { font-size: 14px; font-weight: 600; margin-top: 4px; }
.areas-label { font-size: 14px; font-weight: 600; color: var(--navy); margin-bottom: 8px; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; list-style: none; margin: 0; padding: 0; }
.chips a {
  display: inline-block; text-decoration: none; border: 1px solid var(--chip-line); color: var(--navy);
  padding: 8px 14px; border-radius: 999px; font-size: 15px; font-weight: 500;
}
.chips a:hover { border-color: var(--navy); color: var(--navy); }
.area-grid .ph { aspect-ratio: 4 / 3; }

/* FAQs + guides */
.faq-guides {
  padding-top: 64px; padding-bottom: 64px; display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 400px), 1fr)); gap: 48px;
}
.faq-guides > div { display: flex; flex-direction: column; gap: 20px; }
.faq-list { border-top: 1px solid var(--line-strong); }
.faq { border-bottom: 1px solid var(--line-strong); }
.faq summary {
  list-style: none; padding: 18px 0; display: flex; justify-content: space-between; gap: 16px;
  font-size: 17px; font-weight: 600; color: var(--navy); cursor: pointer;
}
.faq summary::-webkit-details-marker { display: none; }

.faq p { padding: 0 0 18px; font-size: 15px; color: var(--muted); max-width: 560px; }
.faq-hub { max-width: 820px; }
.faq-hub h2 { margin-bottom: 16px; }
.guides-head { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; }
.guide-list { display: flex; flex-direction: column; gap: 12px; list-style: none; margin: 0; padding: 0; }
.guide-card {
  text-decoration: none; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 18px 20px; display: flex; flex-direction: column; gap: 4px;
}
.guide-card:hover { border-color: var(--navy); }
.guide-card .meta { font-size: 13px; color: var(--muted); }
.guide-card .t { font-size: 16px; font-weight: 600; color: var(--navy); }

/* Footer CTA */
.cta { padding-bottom: 72px; }
.cta-box {
  background: var(--navy); border-radius: 16px; padding: clamp(28px, 4vw, 48px);
  display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 24px;
}
.cta-box > div:first-child { display: flex; flex-direction: column; gap: 8px; max-width: 560px; }
.cta-box h2 { color: var(--white); }
.cta-box p { font-size: 16px; color: var(--on-dark); }
.cta-actions { display: flex; flex-wrap: wrap; gap: 12px; }

/* Footer */
.site-footer { background: var(--navy-deep); color: var(--on-dark); }
.site-footer a { color: var(--on-dark); }
.site-footer a:hover { color: var(--white); }
.footer-inner { padding-top: 56px; padding-bottom: 32px; display: flex; flex-direction: column; gap: 40px; }
.footer-cols { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 32px; }
.footer-cols > div { display: flex; flex-direction: column; gap: 10px; }
.footer-cols h2 { font-size: 14px; font-weight: 700; color: var(--white); }
.footer-cols h2.spaced { margin-top: 12px; }
.footer-cols ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 10px; }
.footer-cols ul a { font-size: 14px; text-decoration: none; }
.footer-cols address { font-style: normal; font-size: 14px; }
.footer-phone { color: var(--white) !important; font-size: 15px; font-weight: 600; text-decoration: none; }
.footer-callback { color: var(--sky-on-dark) !important; font-size: 14px; font-weight: 600; }
.footer-legal {
  border-top: 1px solid #2a3a57; padding-top: 24px; display: flex; flex-direction: column; gap: 12px;
  font-size: 13px; line-height: 1.6; color: var(--on-dark-muted);
}
.footer-legal strong { color: var(--white); font-weight: 600; }
.footer-legal-links { display: flex; flex-wrap: wrap; gap: 20px; margin-top: 8px; }
.footer-legal-links span { margin-left: auto; }

/* Mobile sticky action bar */
.mobile-bar { display: none; }
@media (max-width: 999px) {
  .mobile-bar {
    position: fixed; left: 0; right: 0; bottom: 0; z-index: 40; background: var(--white);
    border-top: 1px solid var(--line); padding: 10px 12px; display: grid; grid-template-columns: 1fr 1.4fr; gap: 8px;
    box-shadow: 0 -4px 16px rgba(19, 35, 63, 0.06);
  }
  .mobile-bar .btn { font-size: 15px; padding: 0 12px; }
  .site-footer { padding-bottom: 72px; }
}


/* ---------- Images ---------- */
.media { display: block; width: 100%; height: 100%; object-fit: cover; border-radius: 14px; background: #e9e7e0; }
.media-frame { border-radius: 14px; overflow: hidden; background: #e9e7e0; }
.ratio-5-4 { aspect-ratio: 5 / 4; }
.ratio-4-3 { aspect-ratio: 4 / 3; }
.ratio-4-5 { aspect-ratio: 4 / 5; }
.ratio-16-9 { aspect-ratio: 16 / 9; }
.ratio-3-2 { aspect-ratio: 3 / 2; }
.avatar { width: 56px; height: 56px; border-radius: 50%; object-fit: cover; flex-shrink: 0; background: #dfe8ef; }
.avatar-sm { width: 40px; height: 40px; }
.avatar-md { width: 44px; height: 44px; }
.hero-media .media-frame { aspect-ratio: 5 / 4; }
.adviser .media-frame { aspect-ratio: 4 / 5; border-radius: 12px; }
.adviser .media { border-radius: 12px; transition: transform .3s ease; }
.adviser:hover .media { transform: scale(1.02); }
.area-grid .media-frame { aspect-ratio: 4 / 3; }
.service-card .card-img { margin: -22px -22px 6px; aspect-ratio: 3 / 2; overflow: hidden; border-radius: 12px 12px 0 0; }
.service-card .card-img img { width: 100%; height: 100%; object-fit: cover; display: block; }

/* ---------- Inner pages ---------- */
.page-hero { background: var(--white); border-bottom: 1px solid var(--line); }
.page-hero-inner { padding-top: 28px; padding-bottom: 48px; display: flex; flex-direction: column; gap: 16px; }
.page-hero h1, .article-main h1, .h1 { font-size: clamp(26px, 3vw, 36px); line-height: 1.2; font-weight: 700; color: var(--navy); text-wrap: balance; max-width: 720px; }
.page-hero .lead { font-size: 18px; color: var(--muted); max-width: 640px; text-wrap: pretty; }
.breadcrumb { font-size: 14px; color: var(--muted); display: flex; gap: 8px; flex-wrap: wrap; margin-bottom: 8px; list-style: none; padding: 0; margin-top: 0; }
.breadcrumb li + li::before { content: "/"; margin-right: 8px; }
.breadcrumb [aria-current] { color: var(--navy); }
.split { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 420px), 1fr)); gap: 40px; align-items: start; }
.split-center { align-items: center; gap: 48px; }
.stack { display: flex; flex-direction: column; gap: 16px; }
.stack-sm { display: flex; flex-direction: column; gap: 8px; }
.stack-lg { display: flex; flex-direction: column; gap: 56px; }
.section { padding-top: 48px; padding-bottom: 64px; }
.section-tight { padding-top: 40px; padding-bottom: 24px; }
.h3 { font-size: clamp(20px, 2.2vw, 26px); line-height: 1.25; font-weight: 700; color: var(--navy); }
.h4 { font-size: 20px; font-weight: 700; color: var(--navy); }
.muted { color: var(--muted); }
.small { font-size: 14px; }
.tiny { font-size: 13px; }
.strong { font-weight: 600; color: var(--navy); }
.answer-box { background: var(--sky-soft); border-radius: 12px; padding: 20px 22px; }
.answer-box .label { font-size: 13px; font-weight: 700; color: var(--link); margin-bottom: 6px; }
.answer-box p:last-child { font-size: 17px; color: var(--ink); text-wrap: pretty; }
.byline { display: flex; align-items: center; gap: 12px; font-size: 14px; color: var(--muted); line-height: 1.4; }
.aside-card { background: var(--paper); border: 1px solid var(--line); border-radius: 14px; padding: 24px; display: flex; flex-direction: column; gap: 14px; }
.aside-card.white { background: var(--white); }
.aside-card .btn { width: 100%; }
.aside-card .center { text-align: center; font-weight: 600; font-size: 15px; }
.lined { display: flex; flex-direction: column; border-top: 1px solid var(--line-strong); list-style: none; margin: 0; padding: 0; }
.lined > * { padding: 14px 0; border-bottom: 1px solid var(--line-strong); display: flex; flex-direction: column; gap: 2px; }
.lined .t { font-size: 16px; font-weight: 600; color: var(--navy); }
.lined .d { font-size: 15px; color: var(--muted); }
.lined.kv > * { flex-direction: row; justify-content: space-between; gap: 16px; flex-wrap: wrap; padding: 16px 0; }
.lined.kv .k { font-size: 15px; color: var(--muted); }
.lined.kv .v { font-size: 16px; font-weight: 600; color: var(--navy); text-align: right; }
.box { background: var(--white); border: 1px solid var(--line); border-radius: 14px; padding: 24px; display: flex; flex-direction: column; gap: 14px; }
.box-outline { border: 1.5px solid var(--navy); border-radius: 14px; padding: 24px; display: flex; flex-direction: column; gap: 10px; }
.box ul, .prose ul, .prose ol { margin: 0; padding: 0 0 0 20px; display: flex; flex-direction: column; gap: 8px; font-size: 15px; }
.badge { align-self: flex-start; font-size: 12px; font-weight: 700; letter-spacing: 0.04em; text-transform: uppercase; color: var(--navy); background: var(--sky-soft); padding: 4px 8px; border-radius: 4px; }
.accent-bar { width: 28px; height: 4px; background: var(--sky); border-radius: 2px; display: block; }
.grid-3 { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 300px), 1fr)); gap: 40px; }
.grid-cards { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(100%, 300px), 1fr)); gap: 16px; align-items: start; }
.link-card { text-decoration: none; background: var(--white); border: 1px solid var(--line); border-radius: 14px; padding: 24px; display: flex; flex-direction: column; gap: 6px; color: inherit; }
.link-card:hover { border-color: var(--navy); color: inherit; }
.link-card .t { font-size: 18px; font-weight: 600; color: var(--navy); }
.link-card .d { font-size: 15px; color: var(--muted); }
.link-card .kicker { font-size: 13px; font-weight: 700; color: var(--link); }
.link-card.dark { background: var(--navy); border-color: var(--navy); color: var(--white); }
.link-card.dark:hover { background: var(--navy-hover); color: var(--white); }
.link-card.dark .t { color: var(--white); }
.link-card.dark .d { color: var(--on-dark); }
.link-card.dark .kicker { color: var(--sky-on-dark); }
.person-card { text-decoration: none; color: inherit; background: var(--white); border: 1px solid var(--line); border-radius: 12px; padding: 18px; display: flex; gap: 14px; align-items: center; }
.person-card:hover { border-color: var(--navy); color: inherit; }
.person-card .n { font-size: 16px; font-weight: 600; color: var(--navy); display: block; }
.person-card .r { font-size: 14px; color: var(--muted); display: block; }
.person-card.dashed { border-style: dashed; border-color: var(--chip-line); }

/* Hub rows (mortgages) */
.hub-rows { display: flex; flex-direction: column; border-top: 1px solid var(--line-strong); }
.hub-row { text-decoration: none; color: inherit; padding: 24px 0; border-bottom: 1px solid var(--line-strong); display: grid; grid-template-columns: 96px repeat(auto-fit, minmax(min(100%, 260px), 1fr)); gap: 12px 32px; align-items: center; }
.hub-row:hover { background: var(--white); color: inherit; }
.hub-row img { width: 96px; height: 72px; object-fit: cover; border-radius: 8px; }
.hub-row .t { font-size: 20px; font-weight: 600; color: var(--navy); }
.hub-row .d { font-size: 15px; color: var(--muted); }
.hub-row .l { font-size: 15px; font-weight: 600; color: var(--link); justify-self: start; }
@media (max-width: 640px) { .hub-row { grid-template-columns: 1fr; } .hub-row img { width: 100%; height: auto; aspect-ratio: 16 / 9; } }

/* Areas */
.area-card { text-decoration: none; color: inherit; background: var(--white); border: 1px solid var(--line); border-radius: 16px; overflow: hidden; display: flex; flex-direction: column; }
.area-card:hover { border-color: var(--navy); color: inherit; }
.area-card img { aspect-ratio: 16 / 9; width: 100%; object-fit: cover; display: block; }
.area-card .body { padding: 24px; display: flex; flex-direction: column; gap: 8px; }
.area-row { text-decoration: none; color: inherit; padding: 20px 0; border-bottom: 1px solid var(--line-strong); display: flex; justify-content: space-between; gap: 16px; align-items: center; }
.area-row:hover { color: inherit; }
.area-row .n { font-size: 18px; font-weight: 600; color: var(--navy); display: block; }

/* Team */
.team-card { text-decoration: none; color: inherit; background: var(--white); border: 1px solid var(--line); border-radius: 14px; overflow: hidden; display: flex; flex-direction: column; }
.team-card:hover { border-color: var(--navy); color: inherit; }
.team-card img { aspect-ratio: 4 / 5; width: 100%; object-fit: cover; display: block; }
.team-card .body { padding: 18px; display: flex; flex-direction: column; gap: 4px; }
/* Team page (client, 13 Oct): photo, name, job title and an "Email" button that opens the contact box */
.team-grid { grid-template-columns: repeat(auto-fill, minmax(min(100%, 200px), 1fr)); align-items: stretch; } /* all five in one row on desktop */
@media (max-width: 600px) { .team-grid { grid-template-columns: 1fr 1fr; gap: 12px; } .team-card .body { padding: 12px; } .team-name { font-size: 16px; } .team-email { padding: 8px 12px; font-size: 14px; } }
.team-card .body { flex: 1; }
.team-card-photo { display: block; overflow: hidden; }
.team-card-photo img { height: auto; transition: transform .5s var(--ease-out); }
.team-card:hover .team-card-photo img { transform: scale(1.03); }
.team-name { margin: 0; font-size: 19px; line-height: 1.25; }
.team-name a { color: var(--navy); text-decoration: none; }
.team-name a:hover { text-decoration: underline; }
.team-card .small.muted { margin: 0 0 12px; }
.team-email { margin-top: auto; align-self: flex-start; padding: 9px 16px; min-height: 0; font-size: 15px; }
.form-success { background: #e8f6ef; color: #0b5c3b; border: 1px solid #b9e2cc; border-radius: 10px; padding: 14px 16px; font-size: 15px; line-height: 1.5; }
/* "Email [name]" contact box */
.tc-dialog { width: min(520px, calc(100vw - 32px)); max-height: calc(100vh - 32px); padding: 0; border: 0; border-radius: 16px; box-shadow: 0 30px 70px -20px rgba(14, 35, 64, .45); color: var(--navy); }
.tc-dialog::backdrop { background: rgba(14, 35, 64, .55); }
.tc-form { padding: 24px; gap: 14px; }
.tc-head { display: flex; align-items: flex-start; justify-content: space-between; gap: 12px; }
.tc-head .h3 { margin: 0; }
.tc-close { flex-shrink: 0; width: 40px; height: 40px; border: 1px solid var(--line); border-radius: 50%; background: #fff; color: var(--navy); font-size: 22px; line-height: 1; cursor: pointer; }
.tc-close:hover, .tc-close:focus-visible { border-color: var(--navy); }
.tc-form .btn { align-self: flex-start; }
.profile { display: flex; flex-wrap: wrap; gap: 40px; align-items: flex-start; }
.profile .photo { flex: 0 1 320px; border-radius: 14px; overflow: hidden; aspect-ratio: 4 / 5; }
.profile .photo img { width: 100%; height: 100%; object-fit: cover; }
.profile .info { display: flex; flex-direction: column; gap: 16px; flex: 1 1 420px; min-width: 0; max-width: 620px; }

/* Filter chips (links) */
.chip-filter { display: flex; flex-wrap: wrap; gap: 8px; list-style: none; margin: 0; padding: 0; }
.chip-filter a { display: inline-flex; align-items: center; min-height: 44px; border: 1.5px solid var(--chip-line); background: var(--white); color: var(--navy); padding: 8px 16px; border-radius: 999px; font-size: 15px; font-weight: 500; text-decoration: none; }
.chip-filter a[aria-current="true"] { background: var(--navy); border-color: var(--navy); color: var(--white); }

/* Guides */
.guide-tile { text-decoration: none; background: var(--white); border: 1px solid var(--line); border-radius: 12px; overflow: hidden; display: flex; flex-direction: column; min-height: 150px; }
.guide-tile:hover { border-color: var(--navy); }
.guide-tile-img img { aspect-ratio: 16 / 9; width: 100%; height: auto; object-fit: cover; display: block; }
.guide-tile .body { padding: 22px; display: flex; flex-direction: column; gap: 8px; flex: 1; }
.guide-tile .meta { font-size: 13px; color: var(--muted); }
.guide-tile .t { font-size: 17px; font-weight: 600; color: var(--navy); line-height: 1.4; }
.guide-tile .more { margin-top: auto; font-size: 14px; font-weight: 600; color: var(--link); }
.article { padding-top: 28px; padding-bottom: 64px; display: flex; flex-wrap: wrap; gap: 48px; align-items: flex-start; }
.article-main { flex: 1 1 560px; min-width: 0; max-width: 720px; display: flex; flex-direction: column; gap: 28px; }
.article-aside { flex: 0 1 320px; min-width: 260px; position: sticky; top: 96px; display: flex; flex-direction: column; gap: 20px; }
.article-cover { border-radius: 14px; overflow: hidden; aspect-ratio: 16 / 9; }
.article-cover img { width: 100%; height: 100%; object-fit: cover; }
.toc { display: flex; flex-direction: column; gap: 8px; border-left: 3px solid var(--sky); padding-left: 16px; }
.toc a { font-size: 15px; text-decoration: none; }
.article-index { border: 1px solid var(--line); border-radius: 12px; padding: 20px; background: var(--sky-soft); }
.article-index summary { cursor: pointer; font-weight: 700; color: var(--navy); }
.article-index ol { margin: 16px 0 0; padding-left: 24px; display: grid; gap: 8px; }
.article-index a { display: inline-block; padding: 4px 0; line-height: 1.5; text-underline-offset: 3px; }
.article-summary-list { margin: 0; padding-left: 22px; display: grid; gap: 8px; }
.sources, .guide-faqs h2 { scroll-margin-top: 96px; }
.prose { display: flex; flex-direction: column; gap: 16px; font-size: 16px; color: var(--ink); }
.prose h2 { font-size: clamp(20px, 2.2vw, 24px); line-height: 1.3; font-weight: 700; color: var(--navy); margin-top: 12px; scroll-margin-top: 96px; }
.prose h3 { font-size: 18px; font-weight: 600; color: var(--navy); }
.prose strong { font-weight: 600; color: var(--navy); }
.prose ul, .prose ol { font-size: 16px; }
.prose table { width: 100%; border-collapse: collapse; background: var(--white); border: 1px solid var(--line); border-radius: 12px; overflow: hidden; font-size: 15px; }
.prose th { background: var(--hover-bg); font-size: 13px; font-weight: 700; color: var(--navy); text-align: left; padding: 12px 16px; }
.prose td { border-top: 1px solid var(--line); padding: 12px 16px; }
.prose img { border-radius: 12px; height: auto; }
.prose blockquote { border-left: 3px solid var(--sky); padding-left: 16px; color: var(--muted); margin: 0; }
.guide-faqs { display: flex; flex-direction: column; gap: 16px; }
.sources { display: flex; flex-direction: column; gap: 8px; border-top: 1px solid var(--line); padding-top: 20px; }

/* Legal */
.legal { padding-top: 28px; padding-bottom: 72px; display: flex; flex-wrap: wrap; gap: 48px; align-items: flex-start; }
.legal-nav { flex: 0 1 240px; min-width: 200px; display: flex; flex-direction: column; gap: 4px; }
.legal-nav a { text-decoration: none; padding: 10px 12px; border-radius: 8px; font-size: 15px; font-weight: 500; color: var(--navy); }
.legal-nav a:hover { background: #eeece6; color: var(--navy); }
.legal-nav a[aria-current="page"] { background: var(--sky-soft); }
.legal-doc { flex: 1 1 560px; min-width: 0; max-width: 760px; background: var(--white); border: 1px solid var(--line); border-radius: 16px; padding: clamp(24px, 4vw, 48px); display: flex; flex-direction: column; gap: 20px; }
.legal-doc .prose { max-width: 680px; line-height: 1.7; }
.legal-doc .prose h2 { font-size: 20px; }

/* Forms */
.form-card { background: var(--white); border: 1px solid var(--line); border-radius: 16px; padding: clamp(22px, 3vw, 36px); display: flex; flex-direction: column; gap: 20px; }
.form-card h1 { font-size: clamp(24px, 2.6vw, 30px); line-height: 1.25; font-weight: 700; color: var(--navy); }
.field { display: flex; flex-direction: column; gap: 6px; font-size: 15px; font-weight: 600; color: var(--navy); }
.field input, .field select, .field textarea {
  font: inherit; font-weight: 400; font-size: 16px; padding: 12px 14px; border: 1.5px solid var(--chip-line);
  border-radius: 8px; background: var(--white); color: var(--ink); min-height: 48px; width: 100%;
}
.field input:focus, .field select:focus, .field textarea:focus { outline: var(--focus); outline-offset: 1px; }
.field .optional { font-weight: 400; color: var(--muted); }
.field.has-error input, .field.has-error select { border-color: #b3261e; }
.error { font-size: 14px; font-weight: 500; color: #b3261e; }
.form-alert { background: #fdecea; color: #7a1c14; border-radius: 8px; padding: 12px 14px; font-size: 15px; }
fieldset.chips-field { border: 0; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 10px; }
fieldset.chips-field legend { font-size: 15px; font-weight: 600; color: var(--navy); padding: 0; margin-bottom: 10px; }
.radio-chips { display: flex; flex-wrap: wrap; gap: 8px; }
.radio-chips label { position: relative; }
.radio-chips input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; }
.radio-chips span { display: inline-flex; align-items: center; min-height: 44px; border: 1.5px solid var(--chip-line); background: var(--white); color: var(--navy); padding: 10px 14px; border-radius: 999px; font-size: 15px; font-weight: 500; cursor: pointer; }
.radio-chips input:checked + span { background: var(--navy); border-color: var(--navy); color: var(--white); }
.radio-chips input:focus-visible + span { outline: var(--focus); outline-offset: 2px; }
.check { display: flex; gap: 10px; align-items: flex-start; font-size: 14px; color: var(--muted); font-weight: 400; }
.check input { width: 20px; height: 20px; margin-top: 2px; accent-color: var(--navy); flex-shrink: 0; }
.hp-field { position: absolute !important; left: -10000px !important; width: 1px; height: 1px; overflow: hidden; }
.btn-block { width: 100%; min-height: 52px; padding: 15px 20px; }
.map-link { display: block; border-radius: 12px; overflow: hidden; aspect-ratio: 16 / 9; position: relative; }
.map-link img { width: 100%; height: 100%; object-fit: cover; }
.map-link span { position: absolute; left: 12px; bottom: 12px; background: var(--white); color: var(--navy); font-weight: 600; font-size: 14px; padding: 8px 12px; border-radius: 8px; box-shadow: 0 4px 12px rgba(19,35,63,.12); }

/* Error pages */
.error-page { padding-top: 80px; padding-bottom: 96px; display: flex; flex-direction: column; gap: 16px; align-items: flex-start; }

/* =====================================================================
   Motion & transitions
   Every effect below is disabled for users who prefer reduced motion.
   ===================================================================== */
:root {
  --ease-out: cubic-bezier(.22, .61, .36, 1);
  --ease-spring: cubic-bezier(.34, 1.4, .64, 1);
  --t-fast: .15s;
  --t-med: .25s;
  --t-slow: .6s;
}

/* Interactive elements */
a, button { transition: color var(--t-fast) ease, background-color var(--t-fast) ease, border-color var(--t-fast) ease, box-shadow var(--t-med) ease, transform var(--t-med) var(--ease-out), opacity var(--t-fast) ease; }
.btn { will-change: transform; }
.btn:hover { transform: translateY(-1px); box-shadow: 0 6px 16px rgba(19, 35, 63, 0.14); }
.btn:active { transform: translateY(0); box-shadow: none; transition-duration: .05s; }
.btn-outline:hover, .btn-outline-dark:hover { box-shadow: none; }
.text-link, .mega-more, .service-card .more, .guide-tile .more, .hub-row .l { display: inline-block; }
.service-card .more, .guide-tile .more, .mega-more { transition: transform var(--t-med) var(--ease-out); }
.service-card:hover .more, .guide-tile:hover .more, .mega-more:hover { transform: translateX(4px); }
.field input, .field select, .field textarea { transition: border-color var(--t-fast) ease, box-shadow var(--t-fast) ease; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--link); box-shadow: 0 0 0 4px rgba(63, 169, 224, .15); }
.radio-chips span, .chip-filter a, .chips a { transition: background-color var(--t-fast) ease, color var(--t-fast) ease, border-color var(--t-fast) ease, transform var(--t-fast) ease; }
.radio-chips label:active span { transform: scale(.97); }

/* Cards lift and images zoom gently */
.service-card, .guide-card, .guide-tile, .link-card, .team-card, .area-card, .person-card, .review, .box {
  transition: border-color var(--t-med) ease, box-shadow var(--t-med) ease, transform var(--t-med) var(--ease-out), background-color var(--t-med) ease;
}
.service-card:hover, .guide-card:hover, .guide-tile:hover, .link-card:hover, .team-card:hover, .area-card:hover, .person-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 28px rgba(19, 35, 63, 0.09);
}
.service-card .card-img img, .guide-tile img, .team-card img, .area-card img, .hub-row img, .map-link img, .mega-thumb {
  transition: transform .5s var(--ease-out);
}
.service-card:hover .card-img img, .guide-tile:hover img, .team-card:hover img, .area-card:hover img, .hub-row:hover img, .map-link:hover img { transform: scale(1.05); }
.guide-tile, .team-card, .area-card, .map-link { overflow: hidden; }
.hub-row { transition: background-color var(--t-med) ease, padding var(--t-med) var(--ease-out); }
.hub-row:hover { padding-left: 12px; padding-right: 12px; border-radius: 12px; }
.hub-row img { border-radius: 8px; }

/* Header */
.site-header { transition: box-shadow var(--t-med) ease, border-color var(--t-med) ease; }
.site-header.scrolled { box-shadow: 0 6px 20px rgba(19, 35, 63, 0.07); border-bottom-color: transparent; }

/* Hero entrance (CSS only, runs once on load) */
@keyframes fade-up { from { opacity: 0; transform: translateY(16px); } to { opacity: 1; transform: none; } }
@keyframes fade-in { from { opacity: 0; } to { opacity: 1; } }
@keyframes pop-in { from { opacity: 0; transform: translateY(10px) scale(.96); } to { opacity: 1; transform: none; } }
.hero-copy > *, .page-hero-inner > *, .article-main > header, .form-card { animation: fade-up var(--t-slow) var(--ease-out) both; }
.hero-copy > :nth-child(2), .page-hero-inner > :nth-child(2) { animation-delay: .06s; }
.hero-copy > :nth-child(3), .page-hero-inner > :nth-child(3) { animation-delay: .12s; }
.hero-copy > :nth-child(4), .page-hero-inner > :nth-child(4) { animation-delay: .18s; }
.hero-copy > :nth-child(n+5) { animation-delay: .24s; }
.hero-media .media-frame { animation: fade-in .8s ease .1s both; }
.hero-media .media { animation: hero-zoom 1.6s var(--ease-out) both; }
@keyframes hero-zoom { from { transform: scale(1.06); } to { transform: none; } }
.hero-badge { animation: pop-in .6s var(--ease-spring) .55s both; }

/* Scroll reveal: site.js adds .reveal only to elements below the fold, so nothing visible flickers */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .6s var(--ease-out), transform .6s var(--ease-out); transition-delay: calc(var(--i, 0) * 70ms); }
.reveal.in { opacity: 1; transform: none; }

/* FAQ accordions: animated open/close and a plus that morphs into a minus */
.faq summary::after {
  content: ""; width: 14px; height: 14px; flex-shrink: 0; margin-top: 6px;
  background:
    linear-gradient(var(--link), var(--link)) center / 100% 2px no-repeat,
    linear-gradient(var(--link), var(--link)) center / 2px 100% no-repeat;
  transition: transform var(--t-med) var(--ease-out), background-size var(--t-med) var(--ease-out);
}
.faq[open] summary::after { transform: rotate(180deg); background-size: 100% 2px, 2px 0; }
.faq summary:hover { color: var(--link); }
.faq summary { transition: color var(--t-fast) ease; }
@supports (interpolate-size: allow-keywords) {
  :root { interpolate-size: allow-keywords; }
  .faq::details-content, .mobile-group::details-content {
    block-size: 0; overflow: hidden;
    transition: block-size .3s var(--ease-out), content-visibility .3s allow-discrete;
  }
  .faq[open]::details-content, .mobile-group[open]::details-content { block-size: auto; }
}
.faq[open] p { animation: fade-in .35s ease both; }


/* =====================================================================
   Services mega menu
   ===================================================================== */
.mega { position: static; }
.mega-trigger {
  display: inline-flex; align-items: center; gap: 6px; padding: 8px 12px; border-radius: 6px; border: 0; background: transparent;
  font: inherit; font-size: 15px; font-weight: 500; color: var(--navy); cursor: pointer; white-space: nowrap;
}
.mega-trigger:hover, .mega.open .mega-trigger { background: var(--hover-bg); }
.mega-trigger[aria-current="page"] { background: #eef2f7; }
.chev { width: 8px; height: 8px; border-right: 2px solid currentColor; border-bottom: 2px solid currentColor; transform: translateY(-2px) rotate(45deg); transition: transform var(--t-med) var(--ease-out); }
.mega.open .chev { transform: translateY(1px) rotate(-135deg); }

.mega-panel {
  position: absolute; left: 0; right: 0; top: 100%; z-index: 40;
  background: var(--white); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line);
  box-shadow: 0 24px 48px rgba(19, 35, 63, 0.12);
  opacity: 0; visibility: hidden; transform: translateY(-8px); pointer-events: none;
  transition: opacity .2s ease, transform .25s var(--ease-out), visibility 0s linear .25s;
}
.mega.open .mega-panel { opacity: 1; visibility: visible; transform: none; pointer-events: auto; transition-delay: 0s; }
.mega-inner { display: grid; grid-template-columns: 1.8fr 1fr 0.85fr; gap: 32px; padding-top: 28px; padding-bottom: 32px; }
.mega-col { display: flex; flex-direction: column; gap: 10px; min-width: 0; }
.mega-heading { font-size: 12px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); }
.mega-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 4px; }
.mega-col:first-child .mega-list { grid-template-columns: 1fr 1fr; }
.mega-item { display: flex; gap: 12px; align-items: center; padding: 10px; border-radius: 10px; text-decoration: none; color: inherit; }
.mega-item:hover, .mega-item:focus-visible { background: var(--paper); color: inherit; }
.mega-item:hover .mega-thumb { transform: scale(1.06); }
.mega-thumb { width: 52px; height: 52px; border-radius: 10px; object-fit: cover; flex-shrink: 0; background: #e9e7e0; }
.mega-title { display: block; font-size: 15px; font-weight: 600; color: var(--navy); line-height: 1.3; }
.mega-desc { display: block; font-size: 13px; color: var(--muted); line-height: 1.4; margin-top: 2px; }
.mega-more { font-size: 14px; font-weight: 600; padding: 4px 10px; align-self: flex-start; text-decoration: none; }
.mega-feature { background: var(--navy); color: var(--on-dark); border-radius: 14px; padding: 22px; display: flex; flex-direction: column; gap: 12px; align-self: start; }
.mega-feature .mega-heading { color: var(--sky-on-dark); }
.mega-feature p:not(.mega-heading) { font-size: 15px; }
.mega-feature .btn { align-self: flex-start; }
.mega-phone { color: var(--white); font-weight: 600; font-size: 14px; }
.mega-phone:hover { color: var(--sky-on-dark); }

/* staggered items when the panel opens */
.mega-item { opacity: 0; transform: translateY(6px); transition: background-color var(--t-fast) ease, opacity .3s ease, transform .3s var(--ease-out); }
.mega.open .mega-item { opacity: 1; transform: none; }
.mega.open .mega-list li:nth-child(1) .mega-item { transition-delay: .03s; }
.mega.open .mega-list li:nth-child(2) .mega-item { transition-delay: .06s; }
.mega.open .mega-list li:nth-child(3) .mega-item { transition-delay: .09s; }
.mega.open .mega-list li:nth-child(4) .mega-item { transition-delay: .12s; }
.mega.open .mega-list li:nth-child(5) .mega-item { transition-delay: .15s; }
.mega.open .mega-list li:nth-child(n+6) .mega-item { transition-delay: .18s; }
.mega.open .mega-item:hover { transition-delay: 0s; }

.mega-backdrop { position: fixed; inset: 0; z-index: 20; background: rgba(15, 28, 51, .18); opacity: 0; visibility: hidden; transition: opacity .25s ease, visibility 0s linear .25s; }
.mega-backdrop.show { opacity: 1; visibility: visible; transition-delay: 0s; }

@media (max-width: 1180px) {
  .mega-inner { grid-template-columns: 1fr 1fr; }
  .mega-col:first-child { grid-column: 1 / -1; }
}

/* Mobile: services as accordions inside the menu */
.mobile-group { border-bottom: 1px solid #eeece6; }
.mobile-group summary { list-style: none; padding: 14px 0; font-size: 17px; font-weight: 500; color: var(--navy); cursor: pointer; display: flex; justify-content: space-between; align-items: center; }
.mobile-group summary::-webkit-details-marker { display: none; }
.mobile-group summary::after { content: ""; width: 8px; height: 8px; border-right: 2px solid currentColor; border-bottom: 2px solid currentColor; transform: rotate(45deg); transition: transform var(--t-med) var(--ease-out); margin-right: 4px; }
.mobile-group[open] summary::after { transform: rotate(-135deg); }
.mobile-group-links { display: flex; flex-direction: column; padding: 0 0 10px 12px; border-left: 2px solid var(--sky-soft); margin-bottom: 8px; }
.drawer .mobile-group-links a { border: 0; padding: 9px 0; font-size: 16px; color: var(--ink); }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
  .reveal { opacity: 1; transform: none; }
  .mega-item { opacity: 1; transform: none; }
}
html { scroll-behavior: smooth; }

/* =====================================================================
   Top bar
   ===================================================================== */
.topbar { background: var(--navy-deep); color: var(--on-dark); font-size: 13px; line-height: 1.4; }
.topbar-inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 38px; padding-top: 6px; padding-bottom: 6px; }
.topbar-msg { display: flex; align-items: center; gap: 8px; min-width: 0; }
.topbar-dot { width: 8px; height: 8px; border-radius: 50%; background: #4ade80; flex-shrink: 0; box-shadow: 0 0 0 0 rgba(74, 222, 128, .6); animation: pulse 2.4s ease-out infinite; }
@keyframes pulse { 0% { box-shadow: 0 0 0 0 rgba(74, 222, 128, .55); } 70%, 100% { box-shadow: 0 0 0 7px rgba(74, 222, 128, 0); } }
.topbar-links { list-style: none; margin: 0; padding: 0; display: flex; align-items: center; gap: 4px; flex-shrink: 0; }
.topbar-links li { display: flex; align-items: center; }
.topbar-links li + li::before { content: ""; width: 1px; height: 14px; background: #2a3a57; margin-right: 4px; }
.topbar-links a, .topbar-links span { color: var(--on-dark); text-decoration: none; padding: 4px 8px; border-radius: 4px; white-space: nowrap; }
.topbar-links a:hover { color: var(--white); background: rgba(255, 255, 255, .06); }
.topbar-phone { color: var(--white) !important; font-weight: 600; }
@media (max-width: 999px) {
  .topbar-hide-sm { display: none !important; }
  .topbar-links li + li::before { display: none; }
}
@media (max-width: 560px) {
  .topbar-inner { justify-content: center; }
  .topbar-links { display: none; }
  .topbar-msg { font-size: 12.5px; text-align: center; }
}

/* =====================================================================
   Hamburger + slide-in drawer (mobile)
   ===================================================================== */
.menu-toggle {
  display: none; width: 46px; height: 44px; border: 0; border-radius: 10px; background: var(--navy); color: var(--white);
  cursor: pointer; align-items: center; justify-content: center; padding: 0;
}
.menu-toggle:hover { background: var(--navy-hover); }
.burger { position: relative; width: 20px; height: 14px; display: block; }
.burger span { position: absolute; left: 0; right: 0; height: 2px; border-radius: 2px; background: currentColor; transition: transform .35s var(--ease-out), opacity .2s ease, top .35s var(--ease-out); }
.burger span:nth-child(1) { top: 0; }
.burger span:nth-child(2) { top: 6px; }
.burger span:nth-child(3) { top: 12px; }
.drawer-open .burger span:nth-child(1) { top: 6px; transform: rotate(45deg); }
.drawer-open .burger span:nth-child(2) { opacity: 0; transform: scaleX(.2); }
.drawer-open .burger span:nth-child(3) { top: 6px; transform: rotate(-45deg); }

.drawer-overlay {
  position: fixed; inset: 0; z-index: 60; background: rgba(15, 28, 51, .45);
  backdrop-filter: blur(2px); -webkit-backdrop-filter: blur(2px);
  opacity: 0; visibility: hidden; transition: opacity .3s ease, visibility 0s linear .3s;
}
.drawer {
  position: fixed; top: 0; right: 0; bottom: 0; z-index: 70;
  width: min(88vw, 400px); background: var(--white);
  display: flex; flex-direction: column;
  box-shadow: -24px 0 48px rgba(15, 28, 51, .18);
  transform: translateX(104%); visibility: hidden;
  transition: transform .42s cubic-bezier(.32, .72, 0, 1), visibility 0s linear .42s;
}
.drawer-open .drawer-overlay { opacity: 1; visibility: visible; transition-delay: 0s; }
.drawer-open .drawer { transform: none; visibility: visible; transition-delay: 0s; }
body.drawer-open { overflow: hidden; }

.drawer-head { display: flex; align-items: center; justify-content: space-between; padding: 14px 20px; border-bottom: 1px solid var(--line); }
.drawer-head .logo img { height: 34px; }
.drawer-close { width: 42px; height: 42px; border: 0; border-radius: 10px; background: var(--hover-bg); cursor: pointer; position: relative; }
.drawer-close:hover { background: #e7e4dc; }
.drawer-close span::before, .drawer-close span::after { content: ""; position: absolute; left: 50%; top: 50%; width: 18px; height: 2px; border-radius: 2px; background: var(--navy); }
.drawer-close span::before { transform: translate(-50%, -50%) rotate(45deg); }
.drawer-close span::after { transform: translate(-50%, -50%) rotate(-45deg); }
.drawer-close:hover span::before { transform: translate(-50%, -50%) rotate(135deg); }
.drawer-close:hover span::after { transform: translate(-50%, -50%) rotate(45deg); }
.drawer-close span::before, .drawer-close span::after { transition: transform .3s var(--ease-out); }

.drawer-body { flex: 1; overflow-y: auto; overscroll-behavior: contain; padding: 8px 20px 16px; display: flex; flex-direction: column; }
.drawer-link { padding: 15px 0; border-bottom: 1px solid #eeece6; font-size: 17px; font-weight: 500; color: var(--navy); text-decoration: none; }
.drawer-link[aria-current="page"] { color: var(--link); }
.drawer .mobile-group summary { padding: 15px 0; }
.drawer .mobile-group-links a { display: flex; align-items: center; gap: 12px; text-decoration: none; padding: 7px 0; font-size: 15.5px; color: var(--ink); border-radius: 8px; }
.drawer .mobile-group-links a:hover { color: var(--link); }
.drawer-thumb { width: 36px; height: 36px; border-radius: 8px; object-fit: cover; flex-shrink: 0; background: #e9e7e0; }
.drawer .drawer-hub { font-weight: 600; color: var(--link); padding-top: 10px; }

.drawer-foot { padding: 16px 20px calc(16px + env(safe-area-inset-bottom)); border-top: 1px solid var(--line); display: grid; gap: 10px; background: var(--paper); }
.drawer-foot .btn { width: 100%; }
.drawer-meta { font-size: 13px; color: var(--muted); text-align: center; }

/* Items slide in one after another as the drawer opens */
.drawer-body > * { opacity: 0; transform: translateX(24px); transition: opacity .35s ease, transform .45s var(--ease-out); }
.drawer-open .drawer-body > * { opacity: 1; transform: none; }
.drawer-open .drawer-body > :nth-child(1) { transition-delay: .08s; }
.drawer-open .drawer-body > :nth-child(2) { transition-delay: .12s; }
.drawer-open .drawer-body > :nth-child(3) { transition-delay: .16s; }
.drawer-open .drawer-body > :nth-child(4) { transition-delay: .20s; }
.drawer-open .drawer-body > :nth-child(5) { transition-delay: .24s; }
.drawer-open .drawer-body > :nth-child(n+6) { transition-delay: .28s; }

@media (max-width: 999px) { .menu-toggle { display: inline-flex; } }
@media (min-width: 1000px) { .drawer, .drawer-overlay { display: none; } }
@media (prefers-reduced-motion: reduce) {
  .drawer-body > * { opacity: 1; transform: none; }
  .topbar-dot { animation: none; }
}

/* =====================================================================
   Blog: cards, featured post, archives, author, pagination
   ===================================================================== */
.guide-tile-img { display: block; overflow: hidden; }
.guide-tile .t { font-size: 17px; font-weight: 600; line-height: 1.4; }
.guide-tile .t a { color: var(--navy); text-decoration: none; }
.guide-tile .t a:hover { color: var(--link); }
.guide-tile .meta a { color: var(--link); text-decoration: none; font-weight: 600; }
.guide-tile .excerpt { font-size: 14.5px; color: var(--muted); }
.guide-tile-foot { margin-top: auto; padding-top: 10px; display: flex; justify-content: space-between; align-items: center; gap: 8px; font-size: 13px; color: var(--muted); border-top: 1px solid var(--line); }
.mini-author { display: inline-flex; align-items: center; gap: 8px; color: var(--navy); text-decoration: none; font-weight: 600; }
.avatar-xs { width: 28px; height: 28px; aspect-ratio: 1; }
.chip-count { display: inline-block; min-width: 20px; margin-left: 4px; padding: 0 6px; border-radius: 999px; background: var(--hover-bg); color: var(--muted); font-size: 12px; text-align: center; }
.chip-filter a[aria-current="true"] .chip-count { background: rgba(255,255,255,.18); color: var(--white); }
.featured-post { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 380px), 1fr)); background: var(--white); border: 1px solid var(--line); border-radius: 16px; overflow: hidden; }
.featured-post-img { display: block; overflow: hidden; min-height: 240px; }
.featured-post-img img { width: 100%; height: 100%; object-fit: cover; transition: transform .6s var(--ease-out); }
.featured-post:hover .featured-post-img img { transform: scale(1.04); }
.featured-post-body { padding: clamp(22px, 3vw, 36px); display: flex; flex-direction: column; gap: 12px; justify-content: center; }
.featured-post-body h2 a { color: var(--navy); text-decoration: none; }
.featured-post-body .btn { align-self: flex-start; }
.tag-cloud { display: flex; flex-direction: column; gap: 10px; padding-top: 12px; border-top: 1px solid var(--line); }
.author-hero { display: flex; gap: 28px; align-items: flex-start; flex-wrap: wrap; }
.author-avatar { width: 120px; height: 120px; border-radius: 50%; object-fit: cover; border: 4px solid var(--white); box-shadow: 0 8px 24px rgba(19,35,63,.12); }
.author-box { display: flex; gap: 18px; align-items: flex-start; background: var(--white); border: 1px solid var(--line); border-radius: 14px; padding: 22px; }
.author-box-avatar { width: 72px; height: 72px; border-radius: 50%; object-fit: cover; flex-shrink: 0; }
.pager { display: flex; align-items: center; justify-content: center; gap: 8px; flex-wrap: wrap; margin-top: 8px; }
.pager-pages { list-style: none; margin: 0; padding: 0; display: flex; gap: 6px; align-items: center; }
.pager-btn, .pager-num { display: inline-flex; align-items: center; justify-content: center; min-height: 44px; min-width: 44px; padding: 0 14px; border: 1.5px solid var(--chip-line); border-radius: 10px; background: var(--white); color: var(--navy); font-weight: 600; font-size: 15px; text-decoration: none; }
.pager-btn:hover, .pager-num:hover { border-color: var(--navy); color: var(--navy); }
.pager-num.is-current { background: var(--navy); border-color: var(--navy); color: var(--white); }
.pager-btn.is-disabled { opacity: .45; }
.pager-gap { color: var(--muted); padding: 0 4px; }
.pager-summary { text-align: center; font-size: 13px; color: var(--muted); }

/* ---- Blog: filters, reads, CTAs, share, sidebar ---------------------------- */
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0; }
.btn-sm { min-height: 40px; padding: 0 16px; font-size: 14px; }
.grid-span { grid-column: 1 / -1; }

.blog-filters { display: flex; flex-wrap: wrap; gap: 10px; align-items: stretch; background: var(--white); border: 1px solid var(--line); border-radius: 14px; padding: 12px; }
.blog-search { flex: 1 1 280px; display: flex; align-items: center; gap: 10px; border: 1.5px solid var(--chip-line); border-radius: 10px; padding: 0 14px; background: var(--white); color: var(--muted); min-height: 48px; }
.blog-search:focus-within { border-color: var(--navy); box-shadow: 0 0 0 3px var(--sky-soft); }
.blog-search input { flex: 1; min-width: 0; border: 0; outline: 0; font: inherit; font-size: 16px; color: var(--ink); background: transparent; padding: 10px 0; }
.blog-select { flex: 0 1 200px; display: flex; }
.blog-select select { width: 100%; font: inherit; font-size: 15px; color: var(--navy); border: 1.5px solid var(--chip-line); border-radius: 10px; padding: 0 12px; min-height: 48px; background: var(--white); }
.blog-filters .btn { min-height: 48px; }
@media (max-width: 640px) { .blog-select, .blog-filters .btn { flex: 1 1 100%; } }
.blog-results { font-size: 15px; color: var(--muted); }
.empty-state { background: var(--white); border: 1px dashed var(--chip-line); border-radius: 14px; padding: 32px; display: flex; flex-direction: column; gap: 12px; align-items: flex-start; }

.cta-card { background: var(--navy); color: var(--on-dark); border-radius: 16px; padding: clamp(24px, 3.5vw, 40px); display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 20px 32px; }
.cta-card-text { display: flex; flex-direction: column; gap: 8px; max-width: 600px; }
.cta-card .kicker { font-size: 13px; font-weight: 700; color: var(--sky-on-dark); text-transform: uppercase; letter-spacing: .04em; }
.cta-card .h3 { color: var(--white); }
.cta-card p { color: var(--on-dark); }
.cta-card-end { margin-top: 8px; }
.cta-inline { border-left: 4px solid var(--sky); background: var(--white); border-radius: 0 12px 12px 0; padding: 16px 20px; display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 12px 20px; box-shadow: 0 1px 0 var(--line); }
.cta-inline p { font-size: 15px; color: var(--ink); max-width: 460px; }
.cta-inline-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 16px; }

.read-progress { position: fixed; top: 0; left: 0; right: 0; height: 3px; z-index: 60; pointer-events: none; }
.read-progress span { display: block; height: 100%; background: var(--sky); transform-origin: 0 50%; transform: scaleX(0); }

.share { display: flex; flex-wrap: wrap; align-items: center; gap: 8px; }
.share-label { font-size: 14px; font-weight: 600; color: var(--navy); margin-right: 4px; }
.share a, .share button { font: inherit; font-size: 13px; font-weight: 600; color: var(--navy); text-decoration: none; border: 1.5px solid var(--chip-line); background: var(--white); border-radius: 999px; padding: 6px 12px; cursor: pointer; transition: border-color var(--t-fast) ease, background-color var(--t-fast) ease; }
.share a:hover, .share button:hover { border-color: var(--navy); }
.share button.copied { background: var(--sky-soft); border-color: var(--sky); }

.article-aside { position: static; align-self: stretch; }
.aside-search .blog-search { min-height: 44px; }
.aside-cta { background: var(--navy); border-color: var(--navy); color: var(--on-dark); position: sticky; top: 96px; }
.aside-cta .strong { color: var(--white); }
.aside-cta a.center { color: var(--sky-on-dark); }
.topic-list { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 2px; }
.topic-list a { display: flex; justify-content: space-between; align-items: center; padding: 8px 10px; border-radius: 8px; font-size: 15px; color: var(--navy); text-decoration: none; }
.topic-list a:hover, .topic-list a[aria-current="true"] { background: var(--sky-soft); }
.chips-sm a { font-size: 13px; padding: 4px 10px; }

.most-read { display: flex; flex-direction: column; gap: 12px; }
.most-read-list { list-style: none; counter-reset: mr; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(auto-fill, minmax(min(100%, 260px), 1fr)); gap: 12px; }
.most-read-list li { counter-increment: mr; }
.most-read-list a { display: grid; grid-template-columns: 36px 1fr; grid-template-rows: auto auto; column-gap: 12px; row-gap: 2px; text-decoration: none; background: var(--white); border: 1px solid var(--line); border-radius: 12px; padding: 14px; height: 100%; }
.most-read-list a::before { content: counter(mr); grid-row: 1 / span 2; font-size: 26px; font-weight: 700; color: var(--sky); line-height: 1; }
.most-read-list a:hover { border-color: var(--navy); }
.most-read-list .t { font-size: 15px; font-weight: 600; color: var(--navy); line-height: 1.35; }
.most-read-list.compact { grid-template-columns: 1fr; gap: 0; }
.most-read-list.compact a { border: 0; border-radius: 0; padding: 10px 0; border-bottom: 1px solid var(--line); grid-template-columns: 28px 1fr; }
.most-read-list.compact li:last-child a { border-bottom: 0; }
.most-read-list.compact a::before { font-size: 20px; }
.related-guides { display: flex; flex-direction: column; gap: 20px; padding-bottom: 24px; }

/* ---- Calculators ------------------------------------------------------------ */
.calc-cards { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(100%, 280px), 1fr)); gap: 16px; }
.calc-card { text-decoration: none; color: inherit; background: var(--white); border: 1px solid var(--line); border-radius: 14px; padding: 24px; display: flex; flex-direction: column; gap: 8px; transition: border-color var(--t-fast) ease, transform var(--t-fast) ease, box-shadow var(--t-fast) ease; }
.calc-card:hover { border-color: var(--navy); color: inherit; transform: translateY(-2px); box-shadow: 0 10px 24px rgba(19, 35, 63, .08); }
.calc-card .t { font-size: 18px; font-weight: 600; color: var(--navy); }
.calc-card .d { font-size: 15px; color: var(--muted); }
.calc-card .text-link { margin-top: auto; color: var(--link); }
.calc-cards.compact .calc-card { padding: 18px; }
.calc-icon { width: 44px; height: 44px; border-radius: 12px; background: var(--sky-soft); display: grid; place-items: center; }
.calc-icon::before { content: ""; width: 22px; height: 22px; background: var(--navy); -webkit-mask: var(--icon) center / contain no-repeat; mask: var(--icon) center / contain no-repeat; }
.calc-icon-borrowing { --icon: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M3 10.5 12 4l9 6.5V20a1 1 0 0 1-1 1h-5v-6H9v6H4a1 1 0 0 1-1-1z'/%3E%3C/svg%3E"); }
.calc-icon-repayments { --icon: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='3' y='4' width='18' height='17' rx='2'/%3E%3Cpath d='M3 9h18M8 2v4M16 2v4'/%3E%3C/svg%3E"); }
.calc-icon-stamp-duty { --icon: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 3h9l4 4v14H6z'/%3E%3Cpath d='M9 12h7M9 16h7M9 8h3'/%3E%3C/svg%3E"); }
.calc-icon-remortgage { --icon: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M4 12a8 8 0 0 1 14-5.3L20 9M20 4v5h-5M20 12a8 8 0 0 1-14 5.3L4 15M4 20v-5h5'/%3E%3C/svg%3E"); }
.calc-icon-buy-to-let { --icon: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Ccircle cx='8' cy='15' r='4'/%3E%3Cpath d='m11 12 9-9M17 6l3 3M15 8l2 2'/%3E%3C/svg%3E"); }
.calc-icon-overpayment { --icon: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M3 17l6-6 4 4 8-8'/%3E%3Cpath d='M15 7h6v6'/%3E%3C/svg%3E"); }
.calc-icon-btl-rental { --icon: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M3 10.5 12 4l9 6.5V20a1 1 0 0 1-1 1H4a1 1 0 0 1-1-1z'/%3E%3Cpath d='M12 10v7M14.5 11.5h-3a1.5 1.5 0 0 0 0 3h1a1.5 1.5 0 0 1 0 3h-3'/%3E%3C/svg%3E"); }

.calc { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, 1fr); gap: 32px; align-items: start; }
@media (max-width: 860px) { .calc { grid-template-columns: 1fr; } }
.calc-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 480px) { .calc-row { grid-template-columns: 1fr; } }
.affix { display: flex; align-items: stretch; border: 1.5px solid var(--chip-line); border-radius: 10px; background: var(--white); overflow: hidden; }
.affix:focus-within { border-color: var(--navy); box-shadow: 0 0 0 3px var(--sky-soft); }
.field .affix input { border: 0; border-radius: 0; flex: 1; min-width: 0; font-size: 18px; font-weight: 600; color: var(--navy); outline: 0; box-shadow: none; }
.affix-pre, .affix-post { display: grid; place-items: center; padding: 0 14px; background: var(--paper); color: var(--muted); font-weight: 600; font-size: 15px; }
.field .hint { font-size: 13px; font-weight: 400; color: var(--muted); }

.calc-results { background: var(--navy); color: var(--on-dark); border-radius: 16px; padding: clamp(24px, 3vw, 32px); display: flex; flex-direction: column; gap: 14px; position: sticky; top: 96px; }
@media (max-width: 860px) { .calc-results { position: static; } }
.calc-label { font-size: 14px; font-weight: 600; color: var(--sky-on-dark); text-transform: uppercase; letter-spacing: .04em; }
.calc-big { font-size: clamp(30px, 4vw, 42px); line-height: 1.1; font-weight: 700; color: var(--white); font-variant-numeric: tabular-nums; }
.calc-note { font-size: 14px; color: var(--sky-on-dark); }
.calc-note:empty { display: none; }
.calc-sub { font-size: 13px; font-weight: 700; color: var(--sky-on-dark); text-transform: uppercase; letter-spacing: .04em; margin-top: 6px; }
.calc-dl { margin: 0; display: flex; flex-direction: column; border-top: 1px solid rgba(255,255,255,.14); }
.calc-dl > div { display: flex; justify-content: space-between; gap: 16px; padding: 10px 0; border-bottom: 1px solid rgba(255,255,255,.14); }
.calc-dl dt { font-size: 15px; color: var(--on-dark); }
.calc-dl dd { margin: 0; font-size: 15px; font-weight: 600; color: var(--white); text-align: right; font-variant-numeric: tabular-nums; }
.calc-table { width: 100%; border-collapse: collapse; font-size: 14px; font-variant-numeric: tabular-nums; }
.calc-table th { text-align: left; font-weight: 600; color: var(--sky-on-dark); padding: 6px 0; border-bottom: 1px solid rgba(255,255,255,.14); }
.calc-table td { padding: 8px 0; border-bottom: 1px solid rgba(255,255,255,.14); color: var(--white); }
.calc-table th:last-child, .calc-table td:last-child { text-align: right; }
.calc-results-cta { display: flex; flex-direction: column; gap: 10px; padding-top: 8px; }
.calc-results-cta .btn { width: 100%; }
.calc-call { color: var(--sky-on-dark); font-weight: 600; font-size: 15px; text-align: center; }
.calc-call:hover { color: var(--white); }

.calc-below { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, 1fr); gap: 32px; align-items: start; padding-bottom: 40px; }
@media (max-width: 860px) { .calc-below { grid-template-columns: 1fr; } }
.calc-notes { margin: 0; padding-left: 20px; display: flex; flex-direction: column; gap: 10px; font-size: 15px; color: var(--ink); }
.calc-disclaimer { border-top: 1px solid var(--line); padding-top: 14px; }
.calc-lead { scroll-margin-top: 96px; }

/* =====================================================================
   Homepage v2 (design option 1 + imagery) — all rules scoped to .hp-*
   ===================================================================== */
:root { --go: #0c7f50; --go-hover: #0a6b43; --hp-display: 'Schibsted Grotesk', 'Figtree', system-ui, sans-serif; --hp-line: #e2e7ec; --hp-ink: #0e2340; --hp-muted: #4a5a6e; --hp-soft: #f4f6f8; }
.btn-go { background: var(--go); color: #fff; border: 0; }
.btn-go:hover { background: var(--go-hover); color: #fff; }
.btn-lg { min-height: 56px; padding: 16px 28px; font-size: 16px; }
.hp-eyebrow { display: flex; align-items: center; gap: 12px; font-size: 13px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: #0b6fa4; }
.hp-eyebrow::before { content: ""; width: 28px; height: 3px; background: var(--sky); flex-shrink: 0; }
.hp-eyebrow-light { color: var(--sky-on-dark); }
.hp-h1 { font-family: var(--hp-display); font-weight: 700; font-size: clamp(38px, 4.6vw, 64px); line-height: 1; letter-spacing: -.035em; color: var(--hp-ink); text-wrap: balance; }
.hp-h2 { font-family: var(--hp-display); font-weight: 700; font-size: clamp(27px, 2.9vw, 40px); line-height: 1.05; letter-spacing: -.03em; color: var(--hp-ink); text-wrap: balance; }
.hp-h3 { font-family: var(--hp-display); font-weight: 700; font-size: clamp(21px, 1.8vw, 25px); letter-spacing: -.02em; color: var(--hp-ink); line-height: 1.2; }
.hp-h4 { font-family: var(--hp-display); font-weight: 700; font-size: clamp(18px, 1.5vw, 21px); letter-spacing: -.015em; color: var(--hp-ink); line-height: 1.25; }
.hp-lede { font-size: clamp(16px, 1.15vw, 17.5px); line-height: 1.6; color: var(--hp-muted); max-width: 540px; text-wrap: pretty; }
.hp-narrow { max-width: 720px; margin: 14px 0 48px; }
.hp-section { padding-top: clamp(72px, 9vw, 128px); }
.hp-section-head { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: flex-end; gap: 20px 40px; margin-bottom: 48px; }
.hp-section-head .hp-h2 { max-width: 660px; }
.hp-section-head-tight { margin-bottom: 36px; }
.hp-side-lede { max-width: 380px; font-size: 17px; line-height: 1.6; color: var(--hp-muted); }
.hp-arrow-link { display: inline-flex; gap: 8px; align-items: center; font-weight: 700; font-size: 16px; text-decoration: none; }
.hp-arrow-link span { transition: transform var(--t-med) var(--ease-out); }
.hp-arrow-link:hover span { transform: translateX(4px); }
.hp-cta-row { display: flex; flex-wrap: wrap; gap: 12px; }
.hp-num, .hp-step-label { font-family: var(--hp-display); font-weight: 700; font-size: 14px; color: #0b6fa4; }

/* White canvas for the whole homepage (the rest of the site keeps the warm off-white) */
.hp-page { background: var(--white); }

/* Hero */
.hp-hero { position: relative; background: var(--white); padding-top: clamp(40px, 6vw, 84px); overflow: hidden; }
.hp-hero > .container { position: relative; z-index: 1; }
/* Live-site banner as a soft backdrop, fading out towards the bottom so the journey card still sits on white */
.hp-hero-bg { position: absolute; inset: 0 0 auto 0; width: 100%; height: 88%; object-fit: cover; object-position: top center; z-index: 0; pointer-events: none;
  -webkit-mask-image: linear-gradient(#000 55%, transparent); mask-image: linear-gradient(#000 55%, transparent); animation: fade-in 1s ease both; }
.hp-ticks { list-style: none; margin: -10px 0 0; padding: 0; display: flex; flex-wrap: wrap; gap: 6px 18px; font-size: 14px; color: var(--hp-muted); }
.hp-ticks li::before { content: "✓"; color: var(--go); font-weight: 800; margin-right: 6px; }
.hp-badges { display: flex; flex-wrap: wrap; gap: 10px; }
.hp-badge { display: flex; align-items: center; gap: 14px; padding: 10px 14px; border: 1px solid var(--hp-line); border-radius: 10px; background: #fff; text-decoration: none; color: var(--hp-ink); }
.hp-badge:hover { border-color: var(--hp-ink); color: var(--hp-ink); }
.hp-badge-name { display: flex; flex-direction: column; gap: 4px; font-size: 13px; font-weight: 700; }
.hp-badge-score { display: flex; flex-direction: column; align-items: flex-end; padding-left: 14px; border-left: 1px solid var(--hp-line); line-height: 1.1; }
.hp-badge-score strong { font-family: var(--hp-display); font-size: 22px; }
.hp-badge-score small { font-size: 12px; color: var(--hp-muted); }
.hp-stars { display: inline-flex; gap: 2px; line-height: 1; }
.hp-stars-g { color: #f5a700; letter-spacing: 1px; font-size: 16px; }
.hp-stars-tp i { font-style: normal; width: 16px; height: 16px; background: #00b67a; color: #fff; font-size: 11px; display: inline-flex; align-items: center; justify-content: center; }
.hp-trust-row { list-style: none; margin: 0; padding: 6px 0 0; display: flex; flex-wrap: wrap; gap: 10px 22px; font-size: 14px; font-weight: 600; color: #33445a; }
.hp-trust-row li { display: flex; align-items: center; gap: 8px; }
.hp-trust-row li::before { content: ""; width: 6px; height: 6px; border-radius: 50%; background: var(--sky); }
/* Message-led hero (2 Oct): centred copy, no photo, motto under the heading */
.hp-hero-solo { display: flex; flex-direction: column; align-items: center; text-align: center; gap: 26px; max-width: 980px; padding-top: clamp(16px, 3vw, 40px); padding-bottom: clamp(112px, 10vw, 168px); }
.hp-hero-solo .hp-h1 { font-size: clamp(42px, 5.4vw, 78px); line-height: .98; }
/* Type scale reduced by about a quarter (client, 18 Oct: "font sizes are still too large").
   On phones, size the heading so its longer line ("Every mortgage", about 7.4em in the widest font option) fits
   between the 24px gutters; desktop sizes are unchanged. */
.hp-hero-solo .hp-h1 { font-size: min(clamp(42px, 5.4vw, 78px), calc((100vw - 48px) / 7.6)); }
.hp-hero-solo .hp-lede { max-width: 640px; }
/* Phones: the hero intro a little smaller so it doesn't dominate under the heading (client, 18 Oct) */
@media (max-width: 700px) { .hp-hero-solo .hp-lede { font-size: 15.5px; line-height: 1.55; } }
/* Hero heading lines ("Every mortgage" / "has a purpose."): each phrase stays together (client, 13 Oct). */
.hp-h1-line { display: block; }
/* Second sentence of the hero heading (client copy, 8 Oct): own line, smaller and softer */
/* Heading font choice (Site settings → Home page → Heading font). The alternatives are wider and rounder than
   Schibsted Grotesk, so the hero heading gets a little more line and letter spacing (the "g"s in "mortgage" no longer crowd the next line). */
html.hf-jakarta { --hp-display: 'Plus Jakarta Sans', 'Figtree', system-ui, sans-serif; }
html.hf-manrope { --hp-display: 'Manrope', 'Figtree', system-ui, sans-serif; }
html.hf-dm-sans { --hp-display: 'DM Sans', 'Figtree', system-ui, sans-serif; }
html.hf-figtree { --hp-display: 'Figtree', system-ui, sans-serif; }
html:not(.hf-schibsted) .hp-hero-solo .hp-h1 { line-height: 1.04; letter-spacing: -.03em; }
html.hf-jakarta .hp-hero-solo .hp-h1, html.hf-manrope .hp-hero-solo .hp-h1, html.hf-figtree .hp-hero-solo .hp-h1 { font-weight: 800; }
html:not(.hf-schibsted) .hp-h1-soft { letter-spacing: -.02em; }
/* Plus Jakarta Sans leaves a wide gap before a full stop at display sizes ("purpose ."): site.js wraps a heading's
   closing punctuation in .hd-punct and this pulls it back to match the other fonts (0.16em gap → about 0.09em). */
html.hf-jakarta .hd-punct { margin-left: -.07em; }
.hp-h1-soft { display: block; margin-top: .26em; font-size: max(.44em, 22px); font-weight: 600; line-height: 1.12; letter-spacing: -.025em; color: #3b5578; }
.hp-hero-dark .hp-h1-soft { color: #00baff; } /* the blue of the bar under the Z in the logo (client, 13 Oct) */
.hp-hero-solo .hp-cta-row, .hp-hero-solo .hp-ticks, .hp-hero-solo .hp-badges, .hp-hero-solo .hp-trust-row { justify-content: center; }
.hp-hero-solo .hp-eyebrow::after { content: ""; width: 28px; height: 3px; background: var(--sky); flex-shrink: 0; }
@media (max-width: 560px) { .hp-hero-solo .hp-eyebrow::before, .hp-hero-solo .hp-eyebrow::after { display: none; } }
.hp-motto { font-family: var(--hp-display); font-size: clamp(22px, 2.6vw, 34px); font-weight: 600; font-style: italic; letter-spacing: -.015em; line-height: 1.2; color: #0b6fa4; text-wrap: balance; margin-top: -6px; }
/* Dark hero with a photo or video behind a navy overlay (8 Oct call: "video or overlaid image") */
.hp-hero-dark { background: var(--hp-ink); color: #fff; padding-bottom: 0; }
.hp-hero-media { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: 0; pointer-events: none; animation: fade-in 1s ease both; }
.hp-hero-dark::after { content: ""; position: absolute; inset: 0; z-index: 0; pointer-events: none;
  background: linear-gradient(180deg, rgba(14, 35, 64, .70) 0%, rgba(14, 35, 64, .52) 42%, rgba(14, 35, 64, .80) 100%); }
.hp-hero-dark .hp-h1, .hp-hero-dark .hp-motto, .hp-hero-dark .hp-lede, .hp-hero-dark .hp-ticks, .hp-hero-dark .hp-trust-row { text-shadow: 0 1px 18px rgba(14, 35, 64, .55); }
.hp-hero-dark .hp-h1 { color: #fff; }
.hp-hero-dark .hp-motto { color: var(--sky-on-dark); }
.hp-hero-dark .hp-lede { color: #dbe3ec; }
.hp-hero-dark .hp-ticks { color: #dbe3ec; }
.hp-hero-dark .hp-ticks li::before { color: #5fd49c; }
.hp-hero-dark .hp-trust-row { color: #eef3f8; }
.hp-hero-dark .hp-badge { border-color: transparent; }
.hp-hero-dark .hp-call-btn { border-color: #fff; color: #fff; }
.hp-hero-dark .hp-call-btn:hover { background: #fff; color: var(--hp-ink); }
.hp-hero-pause { position: absolute; right: 16px; bottom: 96px; z-index: 2; padding: 6px 12px; border: 1px solid rgba(255, 255, 255, .5); border-radius: 999px; background: rgba(14, 35, 64, .45); color: #fff; font-family: inherit; font-size: 12px; font-weight: 600; line-height: 1.2; letter-spacing: .02em; cursor: pointer; }
.hp-hero-pause:hover, .hp-hero-pause:focus-visible { background: rgba(14, 35, 64, .8); border-color: #fff; }
@media (prefers-reduced-motion: reduce) { .hp-hero-media { animation: none; } }
/* Option C (9 Oct): hero photo/video runs up behind a transparent menu bar; the bar turns white again on scroll or when a menu opens */
.logo-light { display: none; }
.header-overlay .site-header { transition: background-color var(--t-med) ease, box-shadow var(--t-med) ease, border-color var(--t-med) ease; }
.header-overlay .site-header:not(.scrolled):not(:has(.mega.open)) { background: transparent; border-bottom-color: rgba(255, 255, 255, .16); }
.header-overlay .site-header:not(.scrolled):not(:has(.mega.open)) .logo-dark { display: none; }
.header-overlay .site-header:not(.scrolled):not(:has(.mega.open)) .logo-light { display: block; }
.header-overlay .site-header:not(.scrolled):not(:has(.mega.open)) :is(.main-nav > a, .mega-trigger, .header-phone, .header-phone small) { color: #fff; }
.header-overlay .site-header:not(.scrolled):not(:has(.mega.open)) :is(.main-nav > a, .mega-trigger):is(:hover, [aria-current="page"]) { background: rgba(255, 255, 255, .14); }
.header-overlay .site-header:not(.scrolled):not(:has(.mega.open)) .header-cta { background: #fff; border-color: #fff; color: var(--hp-ink); }
.header-overlay .site-header:not(.scrolled):not(:has(.mega.open)) .menu-toggle { background: rgba(255, 255, 255, .14); box-shadow: inset 0 0 0 1px rgba(255, 255, 255, .4); }
.header-overlay .hp-hero { margin-top: -73px; padding-top: calc(73px + clamp(40px, 6vw, 84px)); } /* 72px bar + 1px border */
/* Phones (client, 12 Oct: "the picture looks odd"): the tall, narrow hero cropped the photo to a sliver of jumper and hands.
   Show a wider slice of the scene behind the logo and heading instead, fading into navy below. */
@media (max-width: 700px) {
  .hp-hero-dark .hp-hero-media { height: min(100%, 135vw); object-position: 42% 0;
    -webkit-mask-image: linear-gradient(#000 55%, transparent); mask-image: linear-gradient(#000 55%, transparent); }
}

/* Journey selector (overlaps the hero) */
.hp-journey-wrap { position: relative; z-index: 2; }
.hp-journey { margin-top: -72px; max-width: 1100px; background: #fff; border: 1px solid var(--hp-line); border-radius: 16px; box-shadow: 0 30px 60px -36px rgba(14, 35, 64, .35); padding: clamp(22px, 3vw, 38px); display: flex; flex-direction: column; gap: 22px; }
.hp-journey-head { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: baseline; gap: 10px; }
.hp-journey-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 210px), 1fr)); grid-auto-rows: 1fr; gap: 12px; } /* equal rows so every card is the same size on phones */
.hp-journey-btn { background: var(--hp-soft); border: 1px solid var(--hp-soft); border-radius: 12px; padding: 20px; min-height: 112px; display: flex; flex-direction: column; justify-content: space-between; gap: 16px; text-decoration: none; color: var(--hp-ink); transition: background-color .2s ease, border-color .2s ease, transform .25s var(--ease-out), box-shadow .25s ease; }
.hp-journey-btn:hover { background: #fff; border-color: var(--hp-ink); color: var(--hp-ink); transform: translateY(-2px); box-shadow: 0 12px 24px rgba(14, 35, 64, .08); }
.hp-journey-label { font-family: var(--hp-display); font-size: 18px; font-weight: 700; letter-spacing: -.01em; }
.hp-journey-sub { display: flex; justify-content: space-between; font-size: 14px; color: var(--hp-muted); }
.hp-journey-sub span { color: var(--go); font-size: 18px; transition: transform .25s var(--ease-out); }
.hp-journey-btn:hover .hp-journey-sub span { transform: translateX(4px); }
@media (max-width: 919px) { .hp-journey { margin-top: 28px; } }
@media (max-width: 560px) {
  .hp-journey-grid { grid-template-columns: 1fr 1fr; gap: 10px; }
  .hp-journey-btn { min-height: 0; padding: 16px; gap: 10px; }
  .hp-journey-label { font-size: 17px; }
  .hp-journey-sub { font-size: 12.5px; }
}

/* Pillars */
.hp-pillars { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 240px), 1fr)); gap: clamp(28px, 4vw, 56px); }
.hp-pillar { border-top: 1px solid var(--hp-ink); padding-top: 22px; display: flex; flex-direction: column; gap: 10px; }

/* About + trust */
.hp-about { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 440px), 1fr)); gap: clamp(40px, 6vw, 96px); align-items: center; }
.hp-about-media { aspect-ratio: 4 / 5; max-height: 640px; border-radius: 6px; overflow: hidden; background: #e9eef2; }
.hp-about-media img { width: 100%; height: 100%; object-fit: cover; }
.hp-about-copy { display: flex; flex-direction: column; gap: 24px; }
.hp-stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); gap: 24px; padding: 26px 0; margin: 0; border-top: 1px solid var(--hp-line); border-bottom: 1px solid var(--hp-line); }
.hp-stats dt { font-family: var(--hp-display); font-size: clamp(30px, 2.8vw, 40px); font-weight: 700; letter-spacing: -.035em; line-height: 1; color: var(--hp-ink); }
.hp-stats dd { margin: 6px 0 0; font-size: 14px; color: var(--hp-muted); line-height: 1.4; }
/* About points (moved from the old "broker on your side" section, 8 Oct call) */
.hp-points { list-style: none; margin: 0; padding: 0; display: grid; gap: 14px; }
.hp-points li { display: grid; grid-template-columns: auto minmax(0, 1fr); column-gap: 12px; }
.hp-points li::before { content: "✓"; grid-row: span 2; color: var(--go); font-weight: 800; }
.hp-points strong { color: var(--hp-ink); }
.hp-points span { font-size: 15px; line-height: 1.5; }

/* Services section (kept from v1) — only the heading gets the new type */
.services.hp-section { padding-bottom: 0; }
.services .section-head { gap: 14px; }

/* CRO strip */
.hp-cro { margin-top: clamp(40px, 5vw, 64px); background: var(--hp-soft); border-radius: 16px; padding: clamp(22px, 3vw, 38px); display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 22px; }
.hp-cro-copy { display: flex; align-items: center; gap: 18px; }
.hp-cro-avatar { width: 64px; height: 64px; border-radius: 50%; object-fit: cover; flex-shrink: 0; }
.hp-cro-wrap { margin-top: clamp(56px, 7vw, 96px); }
.hp-cro-wrap .hp-cro { margin-top: 0; }

/* Lenders marquee */
.hp-lenders { padding-top: clamp(48px, 6vw, 80px); }
.hp-marquee { overflow: hidden; border-top: 1px solid var(--hp-line); border-bottom: 1px solid var(--hp-line); padding: 26px 0; mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); }
.hp-marquee-track { display: flex; width: max-content; animation: hp-marquee 45s linear infinite; }
.hp-marquee:hover .hp-marquee-track { animation-play-state: paused; }
.hp-marquee ul { list-style: none; margin: 0; padding: 0 36px 0 0; display: flex; gap: 56px; }
.hp-logos { align-items: center; gap: 72px !important; }
.hp-logos li img { height: 28px; width: auto; display: block; filter: grayscale(1); opacity: .65; transition: filter .25s ease, opacity .25s ease; }
.hp-logos li img:hover { filter: none; opacity: 1; }
.hp-marquee li { font-family: var(--hp-display); font-size: 21px; font-weight: 700; color: #8391a6; white-space: nowrap; letter-spacing: -.01em; }
@keyframes hp-marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } } /* four copies: -50% = two copies, seamless */

/* How it works */
.hp-steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 240px), 1fr)); gap: 0 clamp(24px, 4vw, 48px); }
.hp-steps li { position: relative; padding: 30px 0 36px; border-top: 2px solid var(--hp-line); display: flex; flex-direction: column; gap: 14px; }
.hp-steps li::before { content: ""; position: absolute; top: -2px; left: 0; width: 64px; height: 2px; background: var(--sky); }
.hp-step-num { font-family: var(--hp-display); font-size: clamp(40px, 4vw, 60px); font-weight: 800; line-height: .9; letter-spacing: -.05em; color: var(--hp-ink); }

/* Guided enquiry */
.hp-enquiry { margin-top: clamp(64px, 8vw, 120px); background: var(--hp-soft); scroll-margin-top: 80px; }
.hp-enquiry-grid { padding-top: clamp(56px, 7vw, 100px); padding-bottom: clamp(56px, 7vw, 100px); display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 340px), 1fr)); gap: clamp(36px, 5vw, 80px); align-items: start; }
.hp-enquiry-side { display: flex; flex-direction: column; gap: 22px; max-width: 460px; }
.hp-progress-list { list-style: none; margin: 8px 0 0; padding: 0; }
.hp-progress-list li { display: flex; align-items: center; gap: 16px; padding: 13px 0; border-top: 1px solid #dde3e9; color: #8391a6; font-weight: 500; transition: color .25s ease; }
.hp-progress-list li span { width: 34px; height: 34px; border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; font-size: 13px; font-weight: 700; border: 1px solid #cbd4dd; background: #fff; transition: all .25s ease; }
.hp-progress-list li.is-current { color: var(--hp-ink); font-weight: 700; }
.hp-progress-list li.is-current span { background: var(--hp-ink); border-color: var(--hp-ink); color: #fff; }
.hp-progress-list li.is-done span { background: var(--go); border-color: var(--go); color: #fff; }
.hp-form-trust { background: #fff; border: 1px solid var(--hp-line); border-radius: 12px; padding: 20px 22px; display: flex; flex-direction: column; gap: 12px; }
.hp-mini-head { font-size: 12px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--hp-ink); }
.hp-form-trust ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 9px; font-size: 15px; color: #33445a; }
.hp-form-trust li::before { content: "✓"; color: var(--go); font-weight: 800; margin-right: 10px; }
.hp-secure { display: flex; gap: 8px; align-items: center; }
.hp-secure::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: var(--go); flex-shrink: 0; }
.hp-form-card { background: #fff; border: 1px solid var(--hp-line); border-radius: 16px; padding: clamp(22px, 3.5vw, 44px); min-height: 520px; display: flex; flex-direction: column; }
.hp-form { display: flex; flex-direction: column; gap: 26px; flex: 1; }
.hp-bar { height: 4px; background: var(--hp-line); border-radius: 2px; overflow: hidden; }
.hp-bar span { display: block; height: 100%; width: 33%; background: var(--sky); transition: width .4s var(--ease-out); }
.hp-step { border: 0; margin: 0; padding: 0; min-width: 0; display: flex; flex-direction: column; gap: 18px; }
.hp-step legend { padding: 0; margin-bottom: 18px; display: flex; flex-direction: column; gap: 6px; }
.js-steps .hp-step { display: none; }
.js-steps .hp-step.is-active { display: flex; animation: fade-up .35s var(--ease-out) both; }
.hp-options { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 190px), 1fr)); gap: 10px; }
.hp-option { position: relative; }
.hp-option input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; }
.hp-option > span { display: flex; flex-direction: column; gap: 3px; min-height: 76px; padding: 15px 18px; border-radius: 10px; border: 1.5px solid var(--hp-line); background: #fff; cursor: pointer; transition: border-color .15s ease, background-color .15s ease, box-shadow .15s ease; }
.hp-option strong { font-size: 16px; color: var(--hp-ink); }
.hp-option small { font-size: 13px; color: #5a6a7e; }
.hp-option:hover > span { border-color: #9fb0c3; }
.hp-option input:checked + span { border-color: var(--hp-ink); background: #f0f5fa; box-shadow: inset 0 0 0 1px var(--hp-ink); }
.hp-option input:focus-visible + span { outline: var(--focus); outline-offset: 2px; }
.hp-two { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 220px), 1fr)); gap: 16px; }
.hp-money { display: flex; align-items: center; border: 1.5px solid var(--chip-line); border-radius: 8px; background: #fff; transition: border-color var(--t-fast) ease, box-shadow var(--t-fast) ease; }
.hp-money:focus-within { border-color: var(--link); box-shadow: 0 0 0 4px rgba(63, 169, 224, .15); }
.hp-money > span { padding-left: 14px; font-weight: 400; color: #5a6a7e; }
.field .hp-money input { border: 0; box-shadow: none; padding-left: 6px; }
.field .hp-money input:focus { outline: none; box-shadow: none; }
.field.has-error .hp-money { border-color: #b3261e; }
.hp-pills-field { display: flex; flex-direction: column; gap: 10px; font-size: 15px; }
.hp-step-error:empty { display: none; }
.hp-controls { margin-top: auto; padding-top: 22px; border-top: 1px solid var(--hp-line); display: flex; justify-content: space-between; align-items: center; gap: 14px; flex-wrap: wrap; }
.hp-controls [data-hint] { flex: 1; }
.hp-done { flex: 1; display: flex; flex-direction: column; justify-content: center; gap: 16px; animation: fade-up .45s var(--ease-out) both; }
.hp-done-tick { width: 56px; height: 56px; border-radius: 50%; background: var(--go); color: #fff; font-size: 26px; display: flex; align-items: center; justify-content: center; }

/* Reviews */
.hp-reviews { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 320px), 1fr)); gap: clamp(40px, 5vw, 80px); }
.hp-reviews-side { display: flex; flex-direction: column; gap: 22px; }
.hp-platforms { border-top: 1px solid var(--hp-line); }
.hp-platforms a { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 18px 0; border-bottom: 1px solid var(--hp-line); text-decoration: none; color: var(--hp-ink); }
.hp-platforms a > span:first-child { display: flex; flex-direction: column; gap: 6px; }
.hp-platform-score { display: flex; flex-direction: column; align-items: flex-end; gap: 4px; }
.hp-platform-score strong { font-family: var(--hp-display); font-size: 26px; line-height: 1; }
.hp-platform-score small { font-size: 13px; font-weight: 700; color: var(--link); }
.hp-quotes { display: flex; flex-direction: column; gap: 28px; min-width: 0; }
.hp-quote-stage { min-height: 240px; }
.hp-quote { margin: 0; display: flex; flex-direction: column; gap: 22px; animation: fade-up .4s var(--ease-out) both; }
.hp-quote-mark { font-family: var(--hp-display); font-size: 64px; line-height: .5; height: 28px; color: var(--sky); }
.hp-quote blockquote { margin: 0; font-family: var(--hp-display); font-size: clamp(19px, 1.7vw, 24px); font-weight: 600; line-height: 1.35; letter-spacing: -.015em; color: var(--hp-ink); text-wrap: pretty; }
.hp-quote figcaption { display: flex; align-items: center; gap: 12px; flex-wrap: wrap; font-size: 15px; }
.hp-quote figcaption::before { content: ""; width: 28px; height: 1px; background: var(--hp-ink); }
.hp-quote-nav { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding-top: 22px; border-top: 1px solid var(--hp-line); }
.hp-quote-nav div { display: flex; gap: 8px; }
.hp-round { width: 52px; height: 52px; border-radius: 50%; border: 1px solid var(--hp-ink); background: #fff; color: var(--hp-ink); font-size: 18px; cursor: pointer; }
.hp-round:hover { background: var(--hp-ink); color: #fff; }
.no-js-quotes .hp-quote-nav { display: none; }

/* Advisers section heading spacing */
.advisers.hp-section { padding-bottom: 0; }
.advisers .section-head-row > div { gap: 14px; }

/* Protection band */

/* Local expertise */
.hp-local { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 420px), 1fr)); gap: clamp(40px, 5vw, 80px); align-items: end; }
.hp-local-copy { display: flex; flex-direction: column; gap: 24px; }
.hp-local-list { list-style: none; margin: 0; padding: 0; }
.hp-local-list a { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; padding: 12px 0; border-bottom: 1px solid var(--hp-line); color: var(--hp-ink); text-decoration: none; }
.hp-local-list a:hover { color: #0b6fa4; }
.hp-local-list a .small { white-space: nowrap; }
.hp-local-name { font-family: var(--hp-display); font-size: clamp(24px, 2.5vw, 36px); font-weight: 700; letter-spacing: -.035em; line-height: 1.05; /* smaller now there are six areas (client, 18 Oct) */ transition: transform .3s var(--ease-out); }
.hp-local-list a:hover .hp-local-name { transform: translateX(6px); }
.hp-local-media { aspect-ratio: 4 / 5; max-height: 620px; border-radius: 180px 6px 6px 6px; overflow: hidden; background: #e9eef2; }
.hp-local-media { position: relative; }
.hp-local-media img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; opacity: 0; transition: opacity .45s ease, transform 1.2s var(--ease-out); transform: scale(1.03); }
.hp-local-media img.is-default { opacity: 1; transform: none; }
.hp-local:has(.hp-local-list li:hover) .hp-local-media img.is-default { opacity: 0; }
.hp-local:has(.hp-local-list li:nth-child(1):hover) .hp-local-media img:nth-child(1),
.hp-local:has(.hp-local-list li:nth-child(2):hover) .hp-local-media img:nth-child(2),
.hp-local:has(.hp-local-list li:nth-child(3):hover) .hp-local-media img:nth-child(3),
.hp-local:has(.hp-local-list li:nth-child(4):hover) .hp-local-media img:nth-child(4),
.hp-local:has(.hp-local-list li:nth-child(5):hover) .hp-local-media img:nth-child(5),
.hp-local:has(.hp-local-list li:nth-child(6):hover) .hp-local-media img:nth-child(6) { opacity: 1; transform: none; }

/* Insights */
.hp-insights { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 300px), 1fr)); gap: 32px; }
.hp-insight { display: flex; flex-direction: column; gap: 14px; color: var(--hp-ink); text-decoration: none; }
.hp-insight:hover { color: #0b6fa4; }
.hp-insight-img { display: block; aspect-ratio: 3 / 2; border-radius: 6px; overflow: hidden; background: #e9eef2; }
.hp-insight-img img { width: 100%; height: 100%; object-fit: cover; transition: transform .6s var(--ease-out); }
.hp-insight:hover .hp-insight-img img { transform: scale(1.05); }
.hp-insight-cat { font-size: 12px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: #5a6a7e; }
.hp-insight-title { font-family: var(--hp-display); font-size: 22px; font-weight: 700; line-height: 1.25; letter-spacing: -.015em; }

/* FAQ */
.hp-faq { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 340px), 1fr)); gap: clamp(40px, 5vw, 80px); padding-bottom: clamp(56px, 7vw, 96px); }
.hp-faq-side { display: flex; flex-direction: column; gap: 18px; }
.hp-faq-list { border-top: 1px solid var(--hp-ink); }
.hp-faq-item { border-bottom: 1px solid var(--hp-line); }
.hp-faq-item summary { padding: 20px 0; font-family: var(--hp-display); font-size: clamp(17px, 1.3vw, 19px); font-weight: 600; gap: 14px; align-items: center; }
.hp-faq-item summary > span:nth-child(2) { flex: 1; }
.hp-faq-n { font-size: 14px; font-weight: 700; color: #0b6fa4; width: 32px; flex-shrink: 0; }
.hp-faq-item p { padding: 0 44px 26px 46px; font-size: 16px; line-height: 1.7; }

@media (prefers-reduced-motion: reduce) {
  .hp-marquee-track { animation: none; }
}

/* Three header menus (design option 1 structure) */
.mega-inner-wide { grid-template-columns: 2.4fr 0.85fr; }
.mega-list-2 { grid-template-columns: 1fr 1fr; }
.mega-col:first-child .mega-list:not(.mega-list-2) { grid-template-columns: 1fr; }
.mega-item-plain { padding: 9px 10px; }
.mega-links { list-style: none; margin: 0; padding: 0; display: grid; gap: 2px; }
.mega-links a { display: block; padding: 8px 10px; border-radius: 8px; color: var(--navy); font-weight: 600; font-size: 15px; text-decoration: none; }
.mega-links a:hover { background: var(--paper); color: var(--navy); }
.mega-feature .mega-phone + .mega-phone { margin-top: -4px; }
.drawer-foot-row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
@media (max-width: 1180px) { .mega-inner-wide { grid-template-columns: 1fr; } }

/* Mobile bar with WhatsApp; floating WhatsApp on desktop */
@media (max-width: 999px) {
  .mobile-bar.has-wa { grid-template-columns: auto auto 1fr; }
  .mobile-bar.has-wa .btn-outline { padding: 0 16px; }
}
.wa-float {
  position: fixed; right: 24px; bottom: 24px; z-index: 45; display: none; align-items: center; gap: 10px;
  background: #0c7f50; color: #fff; padding: 14px 20px; border-radius: 30px; font-weight: 700; font-size: 15px; text-decoration: none;
  box-shadow: 0 12px 30px -10px rgba(12, 127, 80, .6); opacity: 0; transform: translateY(12px); pointer-events: none;
  transition: opacity .3s ease, transform .3s var(--ease-out), background-color .15s ease;
}
.wa-float:hover { background: #0a6b43; color: #fff; }
.wa-dot { width: 8px; height: 8px; border-radius: 50%; background: #7cf0b8; box-shadow: 0 0 0 0 rgba(124, 240, 184, .7); animation: pulse 2.4s ease-out infinite; }
@media (min-width: 1000px) { .wa-float { display: inline-flex; } }
.scrolled-page .wa-float { opacity: 1; transform: none; pointer-events: auto; }

/* Homepage v2 — additions from the 29 Sep call review */
.hp-call-btn { flex-direction: column; gap: 0; line-height: 1.2; padding-top: 10px; padding-bottom: 10px; }
.hp-call-btn small { font-size: 12.5px; font-weight: 600; opacity: .75; }


/* Calculators */
.hp-calcs { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(100%, 330px), 1fr)); gap: 14px; }
.hp-calc { display: flex; flex-direction: column; gap: 8px; padding: 22px; border: 1px solid var(--hp-line); border-radius: 14px; background: #fff; color: var(--hp-ink); text-decoration: none; transition: border-color .2s ease, transform .25s var(--ease-out), box-shadow .25s ease; }
.hp-calc:hover { color: var(--hp-ink); border-color: var(--hp-ink); transform: translateY(-3px); box-shadow: 0 12px 28px rgba(14, 35, 64, .08); }
.hp-calc-icon { width: 44px; height: 44px; border-radius: 12px; background: #eaf6fc; color: #0b6fa4; display: grid; place-items: center; font-family: var(--hp-display); font-weight: 800; font-size: 20px; margin-bottom: 6px; }
.hp-calc-title { font-family: var(--hp-display); font-size: 18px; font-weight: 700; letter-spacing: -.015em; }
.hp-calc-desc { font-size: 14.5px; color: var(--hp-muted); line-height: 1.5; }
.hp-calc-go { margin-top: auto; padding-top: 6px; font-size: 14px; font-weight: 700; color: var(--go); }
.hp-calc-note { margin-top: 16px; }

/* As featured in */
.hp-press { display: flex; flex-direction: column; gap: 22px; }
.hp-press-list { list-style: none; margin: 0; padding: 26px 0; display: flex; flex-wrap: wrap; gap: 18px 48px; align-items: center; border-top: 1px solid var(--hp-line); border-bottom: 1px solid var(--hp-line); }
.hp-press-list a { color: inherit; text-decoration: none; }
.hp-press-name { display: block; font-family: var(--hp-display); font-size: 24px; font-weight: 800; letter-spacing: -.02em; color: #5a6a7e; }
.hp-press-list a:hover .hp-press-name { color: var(--hp-ink); }
.hp-press-title { display: block; font-size: 13px; color: var(--hp-muted); max-width: 260px; }
.hp-press-empty { padding: 22px; border: 1.5px dashed #cfb66a; background: #fffaf0; border-radius: 12px; font-size: 15px; color: #6b4d00; }

/* =====================================================================
   Inner pages v2 (design option 1 "inner" template) — .ih-* hero, .ip-* blocks
   ===================================================================== */
.ih { background: var(--hp-ink); color: #fff; overflow: hidden; }
.ih-grid { padding-top: clamp(40px, 5vw, 80px); padding-bottom: clamp(48px, 6vw, 96px); display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 440px), 1fr)); gap: clamp(36px, 5vw, 80px); align-items: center; }
.ih-copy { display: flex; flex-direction: column; gap: 22px; }
.ih .breadcrumb { color: #b9c6d6; margin: 0; }
.ih .breadcrumb a { color: #b9c6d6; }
.ih .breadcrumb a:hover { color: #fff; }
.ih .breadcrumb [aria-current] { color: #fff; }
.ih-badge { align-self: flex-start; font-size: 12px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; padding: 5px 10px; border-radius: 999px; background: rgba(143, 208, 242, .16); color: var(--sky-on-dark); }
.ih-h1 { font-family: var(--hp-display); font-weight: 700; font-size: clamp(32px, 3.8vw, 52px); line-height: 1.03; letter-spacing: -.035em; text-wrap: balance; color: #fff; }
.ih-lede { font-size: clamp(16px, 1.15vw, 17.5px); line-height: 1.6; color: #d3dce6; max-width: 540px; }
.ih-btn-light { border: 1.5px solid #fff; color: #fff; background: transparent; }
.ih-btn-light:hover { background: #fff; color: var(--hp-ink); box-shadow: none; }
.ih-ticks { color: #d3dce6; }
.ih-ticks li::before { color: #5fd49c; }
.ih .hp-badge { border-color: transparent; }
.ih-media { aspect-ratio: 6 / 5; border-radius: 6px 160px 6px 6px; overflow: hidden; background: #1a3354; }
.ih-media img { width: 100%; height: 100%; object-fit: cover; animation: hero-zoom 1.6s var(--ease-out) both; }
.ih-trust { border-bottom: 1px solid var(--hp-line); background: #fff; }
.ih-trust .hp-trust-row { padding: 20px 24px; gap: 10px 32px; }

.ip-intro { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 420px), 1fr)); gap: clamp(28px, 5vw, 80px); align-items: start; }
.ip-intro-text { display: flex; flex-direction: column; gap: 18px; font-size: 18px; line-height: 1.7; color: var(--hp-muted); }
.ip-answer { font-size: clamp(19px, 1.6vw, 22px); line-height: 1.55; color: var(--hp-ink); font-weight: 500; text-wrap: pretty; }
.ip-point { font-size: 17px; line-height: 1.55; color: var(--hp-ink); }
.ip-gap { margin-bottom: 28px; }

.ip-band { margin-top: clamp(72px, 9vw, 120px); background: var(--hp-soft); }
.ip-band-grid { padding-top: clamp(56px, 7vw, 100px); padding-bottom: clamp(56px, 7vw, 100px); display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 320px), 1fr)); gap: clamp(32px, 5vw, 80px); }
.ip-band-media { aspect-ratio: 1; max-width: 400px; border-radius: 6px; overflow: hidden; margin-top: 8px; }
.ip-band-media img { width: 100%; height: 100%; object-fit: cover; }
.ip-band-item { padding: 26px 0; border-top: 1px solid #d5dde5; display: flex; flex-direction: column; gap: 12px; }
.ip-ticks { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 10px; font-size: 16.5px; color: #33445a; }
.ip-ticks li { display: flex; gap: 10px; }
.ip-ticks li::before { content: "✓"; color: var(--go); font-weight: 800; }
.ip-risk { font-size: 17px; font-weight: 600; color: var(--hp-ink); border-left: 3px solid var(--hp-ink); padding-left: 16px; }

.ip-rows { list-style: none; margin: 0; padding: 0; border-bottom: 1px solid var(--hp-line); }
.ip-rows a, .ip-rows-static li > div { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 6px 24px; align-items: center; padding: 24px 0; border-top: 1px solid var(--hp-line); color: var(--hp-ink); text-decoration: none; }
.ip-rows a:hover { color: #0b6fa4; }
.ip-rows a > span:not(.ip-row-arrow) { grid-column: 1; }
.ip-row-title { display: block; font-family: var(--hp-display); font-size: clamp(19px, 1.6vw, 23px); font-weight: 700; letter-spacing: -.02em; }
.ip-row-sub { display: block; font-size: 16px; color: var(--hp-muted); }
.ip-row-arrow { grid-column: 2; grid-row: 1 / span 2; font-size: 22px; transition: transform .25s var(--ease-out); }
.ip-rows a:hover .ip-row-arrow { transform: translateX(5px); }
.ip-rows-static li > div { grid-template-columns: 1fr; }

.ip-related { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 360px), 1fr)); gap: clamp(32px, 5vw, 80px); align-items: start; padding-bottom: clamp(56px, 7vw, 96px); }
.ip-quote blockquote { font-size: clamp(19px, 1.6vw, 22px); }
.ip-related-list { list-style: none; margin: 0; padding: 0; border-top: 1px solid var(--hp-line); }
.ip-related-list a { display: flex; flex-direction: column; gap: 2px; padding: 14px 0; border-bottom: 1px solid var(--hp-line); color: var(--hp-ink); font-weight: 600; text-decoration: none; }
.ip-related-list a span { font-size: 12px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: #5a6a7e; }
.ip-related-list a:hover { color: #0b6fa4; }

.ip-map { display: flex; flex-direction: column; gap: 10px; padding: clamp(24px, 3vw, 40px); border: 1px solid var(--hp-line); border-radius: 16px; text-decoration: none; color: var(--hp-ink); transition: border-color .2s ease, box-shadow .25s ease; }
.ip-map:hover { border-color: var(--hp-ink); box-shadow: 0 12px 28px rgba(14, 35, 64, .08); color: var(--hp-ink); }

/* White-page hero for hubs (areas, about) */
.ip-hero { padding-top: clamp(28px, 4vw, 48px); display: flex; flex-direction: column; gap: 22px; }
/* Inner-page display sizes reduced to match the homepage scale (client, 18–20 Oct: "font sizes are still too large") */
.ip-h1 { font-family: var(--hp-display); font-weight: 700; font-size: clamp(32px, 3.8vw, 54px); line-height: 1.02; letter-spacing: -.04em; color: var(--hp-ink); max-width: 1000px; text-wrap: balance; }
.ip-h1-xl { font-size: clamp(34px, 4.4vw, 62px); line-height: 1; }
.ip-wide { margin-top: clamp(20px, 3vw, 40px); aspect-ratio: 21 / 9; min-height: 260px; border-radius: 6px; overflow: hidden; background: #e9eef2; }
.ip-wide img { width: 100%; height: 100%; object-fit: cover; animation: hero-zoom 1.6s var(--ease-out) both; }

.ip-area-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 280px), 1fr)); gap: 20px; }
.ip-area { display: flex; flex-direction: column; border: 1px solid var(--hp-line); border-radius: 16px; overflow: hidden; text-decoration: none; color: var(--hp-ink); background: #fff; transition: transform .25s var(--ease-out), box-shadow .25s ease, border-color .2s ease; }
.ip-area:hover { transform: translateY(-3px); box-shadow: 0 14px 30px rgba(14, 35, 64, .1); border-color: var(--hp-ink); color: var(--hp-ink); }
.ip-area-img { display: block; aspect-ratio: 3 / 2; overflow: hidden; }
.ip-area-img img { width: 100%; height: 100%; object-fit: cover; transition: transform .6s var(--ease-out); }
.ip-area:hover .ip-area-img img { transform: scale(1.05); }
.ip-area-body { padding: 20px 22px 24px; display: flex; flex-direction: column; gap: 8px; flex: 1; font-size: 15px; }
.ip-area-tag { align-self: flex-start; font-size: 12px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; padding: 4px 10px; border-radius: 999px; background: #eaf6fc; color: #0b6fa4; }
.ip-area-name { font-family: var(--hp-display); font-size: clamp(22px, 1.9vw, 26px); font-weight: 700; letter-spacing: -.03em; }
.ip-area-go { margin-top: auto; padding-top: 6px; font-weight: 700; color: var(--go); }

.ip-stats { margin-top: clamp(72px, 9vw, 120px); background: var(--hp-ink); color: #fff; }
.ip-stats-grid { margin: 0 auto; padding-top: clamp(48px, 6vw, 90px); padding-bottom: clamp(48px, 6vw, 90px); display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 200px), 1fr)); gap: 36px; }
.ip-stats-grid div { border-left: 3px solid var(--sky); padding-left: 20px; }
.ip-stats-grid dt { font-family: var(--hp-display); font-size: clamp(30px, 2.8vw, 42px); font-weight: 700; letter-spacing: -.04em; line-height: 1; }
.ip-stats-grid dd { margin: 10px 0 0; font-size: 15px; color: #c7d2df; }

/* ---------------------------------------------------------------------
   Site-wide refresh so the remaining pages match the new look
   (white canvas, bold display headings, green primary CTA)
   --------------------------------------------------------------------- */
html, body { background: #fff; }
.page-hero { background: #fff; border-bottom: 0; }
.page-hero-inner { padding-top: clamp(28px, 4vw, 48px); padding-bottom: clamp(36px, 4vw, 56px); }
.page-hero h1, .article-main h1, .h1, .form-card h1, .legal-doc h1 {
  font-family: var(--hp-display, 'Figtree'); font-weight: 700; letter-spacing: -.035em; line-height: 1.04; color: var(--navy);
}
.page-hero h1, .h1 { font-size: clamp(30px, 3.6vw, 48px); }
.article-main h1 { font-size: clamp(32px, 4vw, 52px); }
.h2, .h3, .h4, .section-head h2, .guides-head h2, .prose h2, .featured-post-body h2 { font-family: var(--hp-display, 'Figtree'); letter-spacing: -.02em; }
.page-hero .lead { font-size: clamp(17px, 1.35vw, 20px); }
.page-hero-inner .breadcrumb + h1, .page-hero-inner .breadcrumb + .badge { margin-top: 6px; }
.band-white { background: var(--hp-soft, #f4f6f8); border-color: transparent; }
.cta-box { border-radius: 18px; }
.cta-box .btn-light { background: var(--go, #0c7f50); color: #fff; }
.cta-box .btn-light:hover { background: var(--go-hover, #0a6b43); color: #fff; }
.form-card .btn-primary, .aside-card .btn-primary { background: var(--go, #0c7f50); }
.form-card .btn-primary:hover, .aside-card .btn-primary:hover { background: var(--go-hover, #0a6b43); }