/* ============================================================
   Mortgage Time — Complete Stylesheet
   No inline styles. Class-based, semantic, accessible.
   ============================================================ */

/* ── Design Tokens ────────────────────────────────────────── */
/*  Palette derived from the Mortgage Time gold badge logo.
    Warm ink replaces cold navy; gold is the single accent.     */
:root {
  /* Warm ink (primary dark) */
  --c-ink:         #14110B;
  --c-ink-2:       #221C12;
  --c-ink-3:       #33291A;

  /* Gold — sampled from the logo gradient */
  --c-gold:        #C9A227;
  --c-gold-lt:     #E3C766;
  --c-gold-pale:   #F5E7B8;
  --c-gold-dk:     #9A7A16;

  /* Warm neutrals */
  --c-ivory:       #FBF8F1;
  --c-sand:        #F4EEE1;
  --c-sand-2:      #EBE2CE;
  --c-white:       #ffffff;

  /* Text — warm greys, never blue-grey */
  --c-text:        #1F1B14;
  --c-text-2:      #574E3F;
  --c-text-3:      #8A7F6B;

  --c-border:      #E4DCCA;
  --c-border-2:    #D3C7AC;
  --c-success:     #3F7D4E;
  --c-error:       #B3402F;

  /* Legacy aliases — keep old class names working */
  --c-navy:        var(--c-ink);
  --c-navy-lt:     var(--c-ink-2);
  --c-navy-xlt:    var(--c-ink-3);
  --c-teal:        var(--c-gold-dk);
  --c-teal-lt:     var(--c-gold);
  --c-bg:          var(--c-ivory);
  --c-bg-2:        var(--c-sand);
  --c-bg-dark:     #0D0B07;
  --c-cream:       var(--c-ivory);
  --c-cream-border: var(--c-border);
  --c-warm-dark:   var(--c-text);

  /* Type */
  --f-display: 'Cormorant Garamond', 'Iowan Old Style', Georgia, 'Times New Roman', serif;
  --f-body:    'Inter', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  --fw-reg:  400;
  --fw-med:  500;
  --fw-semi: 600;
  --fw-bold: 700;

  /* Geometry — sharp and architectural, not bubbly */
  --r-sm:   2px;
  --r-md:   4px;
  --r-lg:   6px;
  --r-xl:   8px;
  --r-pill: 2px;

  /* Shadows — warm-tinted, restrained */
  --sh-sm:  0 1px 2px rgba(31,27,20,0.06);
  --sh-md:  0 4px 16px rgba(31,27,20,0.09);
  --sh-lg:  0 14px 40px rgba(31,27,20,0.13);
  --sh-xl:  0 28px 70px rgba(31,27,20,0.18);

  --ease: cubic-bezier(0.22,0.61,0.36,1);
  --dur:  220ms;
  --dur-slow: 420ms;

  --max-w:    1200px;
  --header-h: 82px;
}

/* ── Reset ────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--f-body);
  color: var(--c-text);
  background: var(--c-white);
  line-height: 1.65;
  min-height: 100vh;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img, svg, video { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { cursor: pointer; font: inherit; border: none; background: none; }
input, textarea, select { font: inherit; }
:focus-visible { outline: 3px solid var(--c-gold); outline-offset: 3px; border-radius: 2px; }
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}

/* ── Utilities ───────────────────────────────────────────── */
.container { max-width: var(--max-w); margin-inline: auto; padding-inline: 1.5rem; }
.section    { padding-block: 5rem; }
.section--lg { padding-block: 7rem; }
.section--sm { padding-block: 3rem; }
.visually-hidden {
  position: absolute; width: 1px; height: 1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap;
}

/* ── Skip link ───────────────────────────────────────────── */
.skip-link {
  position: absolute; top: 1rem; left: 1rem; z-index: 999;
  background: var(--c-gold); color: var(--c-navy);
  font-weight: var(--fw-semi); padding: 0.6rem 1.25rem;
  border-radius: var(--r-pill);
  transform: translateY(-200%);
  transition: transform var(--dur) var(--ease);
}
.skip-link:focus { transform: none; }

/* ── Typography helpers ───────────────────────────────── */
/* Eyebrow label with a gold hairline — editorial, not a badge */
.section-label {
  display: inline-flex; align-items: center; gap: 0.75rem;
  font-size: 0.68rem; font-family: var(--f-body);
  font-weight: var(--fw-semi); letter-spacing: 0.22em;
  text-transform: uppercase; color: var(--c-gold-dk);
  margin-bottom: 1.15rem;
}
.section-label::before {
  content: ''; width: 28px; height: 1px;
  background: var(--c-gold); flex-shrink: 0;
}
.section-heading {
  font-family: var(--f-display);
  font-size: clamp(2.1rem, 4.4vw, 3.5rem);
  font-weight: 600; line-height: 1.08;
  letter-spacing: -0.015em;
  color: var(--c-ink); margin-bottom: 1.35rem;
}
.section-heading em {
  font-style: italic; color: var(--c-gold-dk); font-weight: 500;
}
.section-heading--white { color: var(--c-white); }
.section-heading--white em { color: var(--c-gold-lt); }
.section-body {
  font-size: 1.0625rem; color: var(--c-text-2); max-width: 62ch; line-height: 1.8;
}
.section-body--center { margin-inline: auto; }
.section-body--light { color: rgba(251,248,241,0.72); }

/* Thin gold rule — reusable editorial divider */
.rule-gold {
  width: 56px; height: 2px; background: var(--c-gold);
  border: none; margin-block: 1.5rem;
}

/* ── Buttons ───────────────────────────────────────────── */
/* Architectural rectangles with letterspaced caps — reads as
   professional services, not consumer SaaS. */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.6rem;
  padding: 0.95rem 1.9rem;
  font-size: 0.78rem; font-weight: var(--fw-semi);
  letter-spacing: 0.11em; text-transform: uppercase;
  line-height: 1; border-radius: var(--r-sm);
  border: 1px solid transparent; cursor: pointer;
  transition: background var(--dur) var(--ease),
              color var(--dur) var(--ease),
              border-color var(--dur) var(--ease),
              box-shadow var(--dur) var(--ease);
  text-decoration: none; white-space: nowrap;
}
.btn--primary {
  background: var(--c-gold); color: var(--c-ink);
  border-color: var(--c-gold);
}
.btn--primary:hover {
  background: var(--c-gold-lt); border-color: var(--c-gold-lt);
  box-shadow: 0 6px 20px rgba(201,162,39,0.32);
}
.btn--outline {
  background: transparent; color: var(--c-white);
  border-color: rgba(251,248,241,0.34);
}
.btn--outline:hover {
  background: rgba(251,248,241,0.07);
  border-color: var(--c-gold); color: var(--c-gold-lt);
}
.btn--outline-navy {
  background: transparent; color: var(--c-ink); border-color: var(--c-ink);
}
.btn--outline-navy:hover { background: var(--c-ink); color: var(--c-ivory); }
.btn--lg { padding: 1.15rem 2.5rem; font-size: 0.82rem; }
.btn[disabled] { opacity: 0.5; cursor: not-allowed; }

/* Text link with animated gold underline */
.link-gold {
  display: inline-flex; align-items: center; gap: 0.45rem;
  font-size: 0.78rem; font-weight: var(--fw-semi);
  letter-spacing: 0.11em; text-transform: uppercase;
  color: var(--c-gold-dk); padding-bottom: 3px;
  background-image: linear-gradient(var(--c-gold), var(--c-gold));
  background-size: 0% 1px; background-position: 0 100%;
  background-repeat: no-repeat;
  transition: background-size var(--dur) var(--ease), color var(--dur) var(--ease);
}
.link-gold:hover { background-size: 100% 1px; color: var(--c-ink); }

/* ── Header ──────────────────────────────────────────── */
.site-header {
  position: fixed; top: 0; inset-inline: 0; z-index: 100;
  height: var(--header-h); display: flex; align-items: center;
  background: transparent;
  border-bottom: 1px solid transparent;
  transition: background var(--dur) var(--ease),
              border-color var(--dur) var(--ease),
              box-shadow var(--dur) var(--ease);
}
.site-header.is-scrolled {
  background: rgba(20,17,11,0.94);
  backdrop-filter: blur(16px) saturate(140%);
  -webkit-backdrop-filter: blur(16px) saturate(140%);
  border-bottom-color: rgba(201,162,39,0.22);
}
.site-header.is-solid {
  background: var(--c-ivory);
  border-bottom: 1px solid var(--c-border);
}

.header-inner {
  max-width: var(--max-w); margin-inline: auto; padding-inline: 1.5rem;
  width: 100%; display: flex; align-items: center; gap: 2rem;
}

/* Logo */
.site-logo { display: flex; align-items: center; gap: 0.75rem; text-decoration: none; flex-shrink: 0; }
.site-logo__mark {
  width: 40px; height: 40px; background: var(--c-gold); border-radius: var(--r-sm);
  display: grid; place-items: center; font-size: 0.85rem;
  font-weight: var(--fw-bold); color: var(--c-navy); letter-spacing: -0.02em;
  flex-shrink: 0;
}
.site-logo__text { display: flex; flex-direction: column; line-height: 1.1; }
.site-logo__name { font-size: 1.05rem; font-weight: var(--fw-bold); color: var(--c-white); }
.site-logo__tag { font-size: 0.68rem; color: rgba(255,255,255,0.55); font-weight: var(--fw-med); }

/* Desktop nav — letterspaced caps with a gold underline indicator */
.site-nav { display: flex; align-items: center; gap: 0.15rem; margin-inline-start: auto; }
.site-nav__item { position: relative; }
/* Bridge the gap so hover doesn't drop when mouse moves to dropdown */
.site-nav__item::after {
  content: ''; position: absolute; top: 100%; left: 0; right: 0; height: 14px;
}
.site-nav__link {
  position: relative;
  padding: 0.6rem 0.85rem;
  font-size: 0.72rem; font-weight: var(--fw-semi);
  letter-spacing: 0.13em; text-transform: uppercase;
  color: rgba(251,248,241,0.72);
  transition: color var(--dur) var(--ease);
  display: flex; align-items: center; gap: 0.4rem;
  background: none;
}
/* Gold underline that grows from the centre */
.site-nav__link::before {
  content: ''; position: absolute; bottom: 0.15rem; left: 50%;
  width: 0; height: 1.5px; background: var(--c-gold);
  transform: translateX(-50%);
  transition: width var(--dur) var(--ease);
}
.site-nav__link:hover { color: var(--c-white); background: none; }
.site-nav__link:hover::before { width: calc(100% - 1.7rem); }
.site-nav__link.is-active { color: var(--c-white); background: none; }
.site-nav__link.is-active::before { width: calc(100% - 1.7rem); }
.site-nav__chevron {
  width: 11px; height: 11px; opacity: 0.7;
  transition: transform var(--dur) var(--ease);
}
.site-nav__item:hover .site-nav__chevron,
.site-nav__item.is-open .site-nav__chevron { transform: rotate(180deg); }

/* Dropdown menu — JS-driven via .is-open, CSS hover as enhancement */
.dropdown-menu {
  display: none;
  position: absolute; top: calc(100% + 10px); left: 50%;
  transform: translateX(-50%);
  min-width: 236px;
  background: var(--c-ink);
  border-radius: var(--r-md);
  box-shadow: 0 18px 44px rgba(20,17,11,0.42);
  border: 1px solid rgba(201,162,39,0.30);
  border-top: 2px solid var(--c-gold);
  padding: 8px;
  z-index: 9999;
  pointer-events: auto;
}
.site-nav__item:hover .dropdown-menu,
.site-nav__item.is-open .dropdown-menu {
  display: block;
}
.dropdown-menu__link {
  display: block;
  padding: 12px 16px;
  font-size: 0.76rem; font-weight: var(--fw-semi);
  letter-spacing: 0.09em; text-transform: uppercase;
  color: rgba(251,248,241,0.78);
  border-radius: var(--r-sm);
  white-space: nowrap;
  text-decoration: none;
  transition: background 150ms ease, color 150ms ease, padding-left 150ms ease;
}
.dropdown-menu__link:hover {
  background: rgba(201,162,39,0.12); color: var(--c-gold-lt);
  padding-left: 20px;
}
.dropdown-menu__link.is-active {
  background: rgba(201,162,39,0.16); color: var(--c-gold-lt);
}

.nav-cta { margin-inline-start: 1rem; padding: 0.5rem 1.2rem; font-size: 0.875rem; }

/* Mobile hamburger */
.menu-btn {
  display: none; flex-direction: column; gap: 5px;
  padding: 0.5rem; margin-inline-start: auto; border-radius: var(--r-sm);
  transition: background var(--dur) var(--ease);
}
.menu-btn:hover { background: rgba(255,255,255,0.10); }
.menu-btn__bar {
  width: 24px; height: 2px; background: var(--c-white);
  border-radius: 2px;
  transition: transform var(--dur) var(--ease), opacity var(--dur) var(--ease);
}
.menu-btn.is-open .menu-btn__bar:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.menu-btn.is-open .menu-btn__bar:nth-child(2) { opacity: 0; }
.menu-btn.is-open .menu-btn__bar:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile nav */
.mobile-nav {
  display: none; position: fixed;
  top: var(--header-h); inset-inline: 0;
  background: var(--c-ink);
  padding: 1.25rem 1.5rem 2rem;
  border-top: 1px solid rgba(201,162,39,0.25);
  box-shadow: var(--sh-xl); z-index: 99;
  flex-direction: column; gap: 0;
  max-height: calc(100vh - var(--header-h)); overflow-y: auto;
}
.mobile-nav.is-open { display: flex; }
.mobile-nav__link {
  padding: 1.05rem 0.25rem;
  font-size: 0.78rem; font-weight: var(--fw-semi);
  letter-spacing: 0.13em; text-transform: uppercase;
  color: rgba(251,248,241,0.75); border-radius: 0;
  border-bottom: 1px solid rgba(251,248,241,0.07);
  transition: color var(--dur) var(--ease), padding-left var(--dur) var(--ease);
}
.mobile-nav__link:hover { background: none; color: var(--c-gold); padding-left: 0.75rem; }
.mobile-nav__link.is-active { color: var(--c-gold); background: none; }
.mobile-nav__group { display: flex; flex-direction: column; }
.mobile-nav__group-label {
  padding: 0.75rem 1.25rem; font-size: 0.95rem; font-weight: var(--fw-semi);
  color: var(--c-gold); border-bottom: 1px solid rgba(255,255,255,0.08);
  display: flex; align-items: center; justify-content: space-between;
}
.mobile-nav__sub {
  display: flex; flex-direction: column; padding-inline-start: 0.75rem;
  border-inline-start: 2px solid rgba(196,154,44,0.25); margin-left: 1.25rem;
  background: rgba(255,255,255,0.04); border-radius: 0 var(--r-md) var(--r-md) 0;
  padding-block: 0.25rem; margin-right: 1.25rem;
}
.mobile-nav__sub .mobile-nav__link {
  padding: 0.75rem 1rem; font-size: 0.95rem; color: rgba(255,255,255,0.65);
}
.mobile-nav__sub .mobile-nav__link:hover,
.mobile-nav__sub .mobile-nav__link.is-active { color: var(--c-white); background: rgba(255,255,255,0.06); }
.mobile-nav__cta { margin-top: 1rem; width: 100%; text-align: center; }

/* ── Hero ────────────────────────────────────────────── */
/* Flat warm ink with a single soft gold pool — no mesh gradients */
.hero {
  position: relative; min-height: 92vh;
  display: flex; align-items: center;
  background: var(--c-ink);
  overflow: hidden; padding-block: 9rem 6rem;
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 60% 70% at 78% 30%, rgba(201,162,39,0.13) 0%, transparent 68%);
  pointer-events: none;
}
/* Fine vertical rules — evokes a ledger / financial document */
.hero::after {
  content: ''; position: absolute; inset: 0;
  background-image: linear-gradient(90deg, rgba(201,162,39,0.055) 1px, transparent 1px);
  background-size: 120px 100%; pointer-events: none;
}

.hero__inner {
  position: relative; z-index: 1;
  max-width: var(--max-w); margin-inline: auto; padding-inline: 1.5rem;
  display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 5rem; align-items: center;
}
.hero__label {
  display: inline-flex; align-items: center; gap: 0.7rem;
  padding: 0; background: none; border: none;
  font-size: 0.68rem; font-weight: var(--fw-semi);
  letter-spacing: 0.24em; text-transform: uppercase;
  color: var(--c-gold); margin-bottom: 1.75rem;
}
.hero__label::after {
  content: ''; width: 40px; height: 1px; background: rgba(201,162,39,0.5);
}
.hero__heading {
  font-family: var(--f-display);
  font-size: clamp(2.75rem, 6vw, 5rem);
  font-weight: 600; line-height: 1.02;
  letter-spacing: -0.022em;
  color: var(--c-ivory); margin-bottom: 1.75rem;
}
.hero__heading em {
  font-style: italic; font-weight: 500;
  color: var(--c-gold);
}
.hero__body {
  font-size: 1.075rem; color: rgba(251,248,241,0.68);
  max-width: 50ch; line-height: 1.85; margin-bottom: 2.5rem;
  padding-left: 1.25rem; border-left: 1px solid rgba(201,162,39,0.28);
}
.hero__actions { display: flex; flex-wrap: wrap; gap: 0.9rem; margin-bottom: 3rem; }
.hero__trust {
  display: flex; align-items: center; gap: 0.9rem;
  padding-top: 1.75rem; border-top: 1px solid rgba(251,248,241,0.10);
}
.hero__stars { display: flex; gap: 2px; color: var(--c-gold); }
.hero__stars svg { width: 16px; height: 16px; }
.hero__trust-text {
  font-size: 0.78rem; color: rgba(251,248,241,0.55);
  letter-spacing: 0.04em;
}
.hero__trust-text strong { color: var(--c-ivory); font-weight: var(--fw-semi); }

/* Hero visual — bordered ledger panel, no glassmorphism */
.hero__visual { display: flex; justify-content: flex-end; }
.hero__card {
  background: rgba(251,248,241,0.03);
  border: 1px solid rgba(201,162,39,0.28);
  border-radius: var(--r-md);
  padding: 2.75rem 2.5rem; color: var(--c-ivory);
  width: 100%; max-width: 380px; position: relative;
}
/* Gold corner brackets — a certificate/document motif */
.hero__card::before,
.hero__card::after {
  content: ''; position: absolute; width: 20px; height: 20px;
  border-color: var(--c-gold); border-style: solid; pointer-events: none;
}
.hero__card::before {
  top: -1px; left: -1px; border-width: 2px 0 0 2px;
}
.hero__card::after {
  bottom: -1px; right: -1px; border-width: 0 2px 2px 0;
}
.card-label {
  font-size: 0.64rem; font-weight: var(--fw-semi);
  letter-spacing: 0.24em; text-transform: uppercase;
  color: var(--c-gold); margin-bottom: 0.5rem;
}
.card-stat-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 1.75rem 1.5rem; margin-top: 1.75rem;
}
.card-stat__value {
  font-family: var(--f-display);
  font-size: 2.75rem; font-weight: 600;
  color: var(--c-gold); line-height: 0.95;
  letter-spacing: -0.02em;
}
.card-stat__label {
  font-size: 0.7rem; color: rgba(251,248,241,0.52);
  margin-top: 0.5rem; letter-spacing: 0.08em; text-transform: uppercase;
}
.card-divider { border: none; border-top: 1px solid rgba(201,162,39,0.20); margin: 1.75rem 0; }
.card-tag {
  display: inline-flex; align-items: center; gap: 0.55rem;
  padding: 0; background: none; border: none;
  font-size: 0.72rem; color: rgba(251,248,241,0.62);
  font-weight: var(--fw-med); letter-spacing: 0.03em;
}
.card-tag svg { color: var(--c-gold); flex-shrink: 0; }

/* Scroll cue — a quiet gold line, no bouncing chevron */
.hero__scroll {
  position: absolute; bottom: 2.25rem; left: 50%;
  transform: translateX(-50%);
  display: flex; flex-direction: column; align-items: center; gap: 0.85rem;
  color: rgba(251,248,241,0.38);
  font-size: 0.62rem; letter-spacing: 0.24em; text-transform: uppercase;
  text-decoration: none; z-index: 1;
  transition: color var(--dur) var(--ease);
}
.hero__scroll:hover { color: var(--c-gold); }
.scroll-ring {
  width: 1px; height: 46px; border: none; border-radius: 0;
  background: linear-gradient(to bottom, rgba(201,162,39,0.7), transparent);
  display: block;
}
.scroll-ring svg { display: none; }

/* ── Stats Bar ───────────────────────────────────────── */
.stats-bar {
  background: var(--c-ivory);
  border-bottom: 1px solid var(--c-border);
  padding-block: 3.5rem;
}
.stats-grid { display: grid; grid-template-columns: repeat(4,1fr); }
.stat {
  text-align: center; padding: 0.5rem 1.5rem;
  border-right: 1px solid var(--c-border);
}
.stat:last-child { border-right: none; }
.stat__label {
  font-size: 0.66rem; color: var(--c-text-3);
  font-weight: var(--fw-semi); letter-spacing: 0.18em;
  text-transform: uppercase; margin-bottom: 0.85rem;
}
.stat__value {
  font-family: var(--f-display);
  font-size: clamp(2.4rem, 4vw, 3.4rem); font-weight: 600;
  color: var(--c-ink); line-height: 1; letter-spacing: -0.02em;
}
.stat__value span { color: var(--c-gold); }

/* ── About Section ──────────────────────────────────── */
.about-section { background: var(--c-ivory); }
.about-grid { display: grid; grid-template-columns: 1fr 0.85fr; gap: 5.5rem; align-items: center; }
.about-list {
  display: flex; flex-direction: column;
  margin-block: 2.25rem; border-top: 1px solid var(--c-border);
}
.about-list__item {
  display: flex; align-items: flex-start; gap: 1rem;
  padding-block: 1.05rem; border-bottom: 1px solid var(--c-border);
}
.about-check {
  flex-shrink: 0; width: 18px; height: 18px;
  background: none; border-radius: 0;
  display: grid; place-items: center; margin-top: 3px; color: var(--c-gold);
}
.about-check svg { width: 15px; height: 15px; }
.about-list__item p { font-size: 0.94rem; color: var(--c-text-2); line-height: 1.65; }

/* Pull-quote panel — warm ink with a gold keyline */
.about-visual {
  background: var(--c-ink);
  border-radius: var(--r-md); padding: 3.25rem 3rem; color: var(--c-ivory);
  position: relative; overflow: hidden;
  border-left: 3px solid var(--c-gold);
}
.about-visual::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 70% 65% at 85% 10%, rgba(201,162,39,0.11) 0%, transparent 68%);
}
.about-visual__qs {
  position: relative; z-index: 1;
  font-family: var(--f-display);
  font-size: 6rem; line-height: 0.5; color: var(--c-gold);
  margin-bottom: 1.5rem; display: block; opacity: 0.85;
}
.about-visual__quote {
  position: relative; z-index: 1;
  font-family: var(--f-display);
  font-size: 1.9rem; font-weight: 500; font-style: italic;
  line-height: 1.32; margin-bottom: 2.25rem;
  letter-spacing: -0.01em;
}
.about-visual__author {
  position: relative; z-index: 1;
  padding-top: 1.5rem; border-top: 1px solid rgba(201,162,39,0.25);
}
.about-visual__name {
  font-size: 0.8rem; font-weight: var(--fw-semi);
  letter-spacing: 0.11em; text-transform: uppercase; color: var(--c-gold);
}
.about-visual__role {
  font-size: 0.76rem; color: rgba(251,248,241,0.5); margin-top: 0.35rem;
  letter-spacing: 0.04em;
}

/* ── Services ───────────────────────────────────────── */
.services-section { background: var(--c-white); }
.services-intro {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 4rem; align-items: end; margin-bottom: 3.5rem;
}
.services-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 1px; background: var(--c-border); }
/* Cards sit in a hairline grid — reads as a considered index, not floating tiles */
.service-card {
  background: var(--c-white); border: none;
  border-radius: 0; padding: 2.75rem 2.5rem;
  text-decoration: none; display: block; position: relative;
  transition: background var(--dur) var(--ease);
}
.service-card::after {
  content: ''; position: absolute; top: 0; left: 0;
  width: 100%; height: 2px; background: var(--c-gold);
  transform: scaleX(0); transform-origin: left;
  transition: transform var(--dur-slow) var(--ease);
}
.service-card:hover { background: var(--c-ivory); }
.service-card:hover::after { transform: scaleX(1); }
.service-card__icon {
  width: 40px; height: 40px;
  background: none; border-radius: 0;
  display: grid; place-items: start; place-content: start;
  color: var(--c-gold); margin-bottom: 1.5rem;
}
.service-card__icon svg { width: 30px; height: 30px; stroke-width: 1.25; }
.service-card__title {
  font-family: var(--f-display);
  font-size: 1.6rem; font-weight: 600; color: var(--c-ink);
  margin-bottom: 0.8rem; letter-spacing: -0.01em; line-height: 1.15;
}
.service-card__body {
  font-size: 0.92rem; color: var(--c-text-2);
  line-height: 1.8; margin-bottom: 1.5rem;
}
.service-card__arrow {
  font-size: 0.7rem; font-weight: var(--fw-semi); color: var(--c-gold-dk);
  letter-spacing: 0.13em; text-transform: uppercase;
  display: flex; align-items: center; gap: 0.5rem;
  transition: gap var(--dur) var(--ease), color var(--dur) var(--ease);
}
.service-card:hover .service-card__arrow { gap: 0.85rem; color: var(--c-ink); }
.service-card__arrow svg { width: 15px; height: 15px; }

/* ── Calculator CTA Band ──────────────────────────────── */
.calc-band {
  background: var(--c-ink);
  position: relative; overflow: hidden;
}
.calc-band::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 55% 100% at 95% 50%, rgba(201,162,39,0.14) 0%, transparent 66%);
}
.calc-band__inner {
  position: relative; z-index: 1;
  display: grid; grid-template-columns: 1fr auto;
  align-items: center; gap: 3rem;
}
.calc-band__heading {
  font-family: var(--f-display);
  font-size: clamp(1.9rem,3.4vw,2.9rem); font-weight: 600;
  color: var(--c-ivory); margin-bottom: 0.85rem;
  letter-spacing: -0.015em; line-height: 1.12;
}
.calc-band__body {
  font-size: 1rem; color: rgba(251,248,241,0.62); max-width: 54ch; line-height: 1.8;
}
.calc-band__actions { display: flex; gap: 0.9rem; flex-shrink: 0; }

/* ── Reviews ───────────────────────────────────────── */
.reviews-section { background: var(--c-sand); }
.reviews-header {
  display: flex; align-items: flex-end; justify-content: space-between;
  margin-bottom: 3.5rem; gap: 2rem;
}
.reviews-badge {
  display: flex; align-items: center; gap: 1rem;
  padding: 1rem 1.5rem;
  background: var(--c-white); border: 1px solid var(--c-border);
  border-radius: var(--r-md); box-shadow: none;
  border-left: 3px solid var(--c-gold);
}
.reviews-badge__stars { display: flex; gap: 2px; color: var(--c-gold); }
.reviews-badge__text { font-size: 0.82rem; color: var(--c-text-2); font-weight: var(--fw-med); }
.reviews-badge__text strong { color: var(--c-ink); font-weight: var(--fw-semi); }
.reviews-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 1.5rem; }
.review-card {
  background: var(--c-white); border: 1px solid var(--c-border);
  border-radius: var(--r-md); padding: 2.25rem;
  display: flex; flex-direction: column; gap: 1.35rem;
  box-shadow: none;
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.review-card:hover { border-color: var(--c-gold); box-shadow: var(--sh-md); }
.review-card__stars { display: flex; gap: 2px; color: var(--c-gold); }
.review-card__stars svg { width: 15px; height: 15px; }
.review-card__text {
  font-family: var(--f-display);
  font-size: 1.16rem; color: var(--c-text); line-height: 1.55;
  flex: 1; font-style: italic; font-weight: 500;
}
.review-card__author { display: flex; align-items: center; gap: 0.9rem; }
.review-card__avatar {
  width: 42px; height: 42px; border-radius: 50%;
  background: none; border: 1px solid var(--c-gold);
  display: grid; place-items: center; color: var(--c-gold-dk);
  font-family: var(--f-display);
  font-size: 1.1rem; font-weight: 600; flex-shrink: 0;
}
.review-card__name {
  font-size: 0.78rem; font-weight: var(--fw-semi); color: var(--c-ink);
  letter-spacing: 0.08em; text-transform: uppercase;
}
.review-card__meta { font-size: 0.74rem; color: var(--c-text-3); margin-top: 0.15rem; }
.review-card__google {
  display: flex; align-items: center; gap: 0.4rem;
  font-size: 0.68rem; color: var(--c-text-3);
  border-top: 1px solid var(--c-border); padding-top: 0.9rem; margin-top: auto;
  letter-spacing: 0.05em;
}
.review-card__google svg { width: 13px; height: 13px; }

/* ── Lenders ───────────────────────────────────────── */
.lenders-section {
  background: var(--c-white);
  border-top: 1px solid var(--c-border); border-bottom: 1px solid var(--c-border);
}
.lenders-track {
  display: flex; flex-wrap: wrap; gap: 0;
  justify-content: center; margin-top: 2.5rem;
}
/* Lender names as a typographic roll call, not chips */
.lender-pill {
  padding: 0.55rem 1.5rem;
  background: none; border: none;
  border-right: 1px solid var(--c-border);
  border-radius: 0;
  font-size: 0.76rem; letter-spacing: 0.13em; text-transform: uppercase;
  font-weight: var(--fw-semi); color: var(--c-text-3);
  transition: color var(--dur) var(--ease);
}
.lenders-track .lender-pill:last-child { border-right: none; }
.lender-pill:hover { background: none; color: var(--c-gold-dk); border-color: var(--c-border); }

/* ── Final CTA ──────────────────────────────────────── */
.cta-section {
  background: var(--c-ink); text-align: center;
  position: relative; overflow: hidden;
}
.cta-section::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 70% 80% at 50% 0%, rgba(201,162,39,0.14) 0%, transparent 68%);
}
.cta-section .container { position: relative; z-index: 1; }
.cta-section .section-label { justify-content: center; color: var(--c-gold); }
.cta-actions { display: flex; gap: 0.9rem; justify-content: center; margin-top: 2.5rem; flex-wrap: wrap; }

/* ── Page Hero (inner pages) ───────────────────────────── */
.page-hero {
  background: var(--c-ink);
  padding-block: calc(var(--header-h) + 5rem) 5rem;
  position: relative; overflow: hidden;
}
.page-hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 55% 90% at 88% 20%, rgba(201,162,39,0.12) 0%, transparent 66%);
}
.page-hero::after {
  content: ''; position: absolute; inset: 0;
  background-image: linear-gradient(90deg, rgba(201,162,39,0.05) 1px, transparent 1px);
  background-size: 120px 100%;
}
.page-hero__inner { position: relative; z-index: 1; }
.breadcrumb {
  display: flex; align-items: center; gap: 0.6rem;
  margin-bottom: 1.5rem;
  font-size: 0.68rem; letter-spacing: 0.16em; text-transform: uppercase;
  color: rgba(251,248,241,0.42);
}
.breadcrumb a { transition: color var(--dur) var(--ease); }
.breadcrumb a:hover { color: var(--c-gold); }
.breadcrumb__sep { color: rgba(201,162,39,0.5); }
.page-hero__heading {
  font-family: var(--f-display);
  font-size: clamp(2.5rem, 5.2vw, 4.25rem); font-weight: 600;
  color: var(--c-ivory); line-height: 1.04; margin-bottom: 1.5rem;
  max-width: 20ch; letter-spacing: -0.02em;
}
.page-hero__heading em { font-style: italic; color: var(--c-gold); font-weight: 500; }
.page-hero__body {
  font-size: 1.04rem; color: rgba(251,248,241,0.66); max-width: 56ch; line-height: 1.8;
  padding-left: 1.25rem; border-left: 1px solid rgba(201,162,39,0.28);
}

/* ── Team ──────────────────────────────────────────── */
.team-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 2rem; margin-top: 3.5rem; }
.team-card {
  background: var(--c-white); border: 1px solid var(--c-border);
  border-radius: var(--r-md); overflow: hidden;
  box-shadow: none;
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.team-card:hover { border-color: var(--c-gold); box-shadow: var(--sh-md); }
.team-card__banner {
  height: 110px;
  background: var(--c-ink);
  position: relative;
}
.team-card__banner::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 60% 100% at 80% 30%, rgba(201,162,39,0.18) 0%, transparent 70%);
}
.team-card__avatar-wrap { position: absolute; bottom: -34px; left: 2.25rem; z-index: 1; }
.team-card__avatar {
  width: 68px; height: 68px; border-radius: 50%;
  background: var(--c-ink); border: 3px solid var(--c-white);
  display: grid; place-items: center;
  font-family: var(--f-display); font-size: 1.6rem;
  font-weight: 600; color: var(--c-gold); box-shadow: var(--sh-sm);
}
.team-card__body { padding: 3.25rem 2.25rem 2.25rem; }
.team-card__name {
  font-family: var(--f-display);
  font-size: 1.9rem; font-weight: 600; color: var(--c-ink);
  margin-bottom: 0.35rem; letter-spacing: -0.015em;
}
.team-card__role {
  font-size: 0.7rem; color: var(--c-gold-dk); font-weight: var(--fw-semi);
  letter-spacing: 0.15em; text-transform: uppercase; margin-bottom: 1.5rem;
}
.team-card__bio { font-size: 0.92rem; color: var(--c-text-2); line-height: 1.85; }

/* ── Benefits ───────────────────────────────────────── */
.benefits-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 1.5rem; margin-top: 3.5rem; }
.benefit-card {
  background: var(--c-white); border: 1px solid var(--c-border);
  border-radius: var(--r-md); padding: 2.25rem;
  border-left: 3px solid var(--c-gold);
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.benefit-card:hover { box-shadow: var(--sh-md); }
.benefit-card__icon { color: var(--c-gold); margin-bottom: 1.25rem; }
.benefit-card__icon svg { width: 28px; height: 28px; stroke-width: 1.25; }
.benefit-card__title {
  font-family: var(--f-display);
  font-size: 1.4rem; font-weight: 600; color: var(--c-ink);
  margin-bottom: 0.7rem; letter-spacing: -0.01em;
}
.benefit-card__body { font-size: 0.92rem; color: var(--c-text-2); line-height: 1.8; }

/* ── Accordion ──────────────────────────────────────── */
/* Stacked hairline rows — a table of contents, not a stack of pills */
.accordion {
  display: flex; flex-direction: column; gap: 0; margin-top: 3.5rem;
  border-top: 1px solid var(--c-border);
}
.accordion-item {
  border: none; border-bottom: 1px solid var(--c-border);
  border-radius: 0; background: transparent; overflow: hidden;
}
.accordion-trigger {
  width: 100%; display: flex; align-items: center; gap: 1.25rem;
  padding: 1.6rem 0.5rem; text-align: left; background: transparent;
  transition: color var(--dur) var(--ease);
}
.accordion-trigger:hover { background: transparent; }
.accordion-trigger:hover .accordion-title { color: var(--c-gold-dk); }
.accordion-item.is-open > .accordion-trigger { background: transparent; }
.accordion-icon {
  width: 30px; height: 30px; border-radius: 0;
  background: none;
  display: grid; place-items: center; color: var(--c-gold); flex-shrink: 0;
}
.accordion-icon svg { width: 22px; height: 22px; stroke-width: 1.25; }
.accordion-title {
  flex: 1; font-family: var(--f-display);
  font-size: 1.35rem; font-weight: 600; color: var(--c-ink); text-align: left;
  letter-spacing: -0.01em; transition: color var(--dur) var(--ease);
}
.accordion-chevron {
  color: var(--c-text-3); flex-shrink: 0;
  transition: transform var(--dur) var(--ease);
}
.accordion-chevron svg { width: 20px; height: 20px; }
.accordion-item.is-open .accordion-chevron { transform: rotate(180deg); }
.accordion-body {
  display: none;
  padding: 0 2rem 2rem calc(0.5rem + 30px + 1.25rem);
  font-size: 0.95rem; color: var(--c-text-2); line-height: 1.85;
  max-width: 76ch;
}
.accordion-item.is-open .accordion-body { display: block; }

/* ── Article (New Build) ─────────────────────────────── */
.article-section { background: var(--c-white); }
.article-body { max-width: 70ch; }
.article-body h2 {
  font-family: var(--f-display);
  font-size: 2.25rem; font-weight: 600; color: var(--c-ink);
  margin-top: 3rem; margin-bottom: 1.1rem; line-height: 1.15;
  letter-spacing: -0.018em;
}
.article-body h3 {
  font-family: var(--f-display);
  font-size: 1.55rem; font-weight: 600; color: var(--c-ink);
  margin-top: 2.25rem; margin-bottom: 0.75rem; letter-spacing: -0.01em;
}
.article-body p { font-size: 1rem; color: var(--c-text-2); line-height: 1.9; margin-bottom: 1.35rem; }
/* Editorial lede — larger, warmer opening paragraph */
.article-body p:first-of-type {
  font-family: var(--f-display);
  font-size: 1.5rem; color: var(--c-ink); line-height: 1.5;
  font-weight: 500; margin-bottom: 2rem;
}
.article-toc {
  background: var(--c-ivory); border: 1px solid var(--c-border);
  border-radius: var(--r-md); padding: 1.75rem 2rem; margin-bottom: 3.5rem;
  border-left: 3px solid var(--c-gold);
}
.article-toc__title {
  font-size: 0.66rem; font-weight: var(--fw-semi); text-transform: uppercase;
  letter-spacing: 0.2em; color: var(--c-gold-dk); margin-bottom: 1rem;
}
.article-toc__links { display: flex; flex-direction: column; gap: 0.6rem; }
.article-toc__links a {
  font-size: 0.9rem; color: var(--c-text-2);
  transition: color var(--dur) var(--ease), padding-left var(--dur) var(--ease);
}
.article-toc__links a:hover { color: var(--c-gold-dk); padding-left: 4px; }

/* ── Contact ─────────────────────────────────────────────── */
.contact-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: start; }
.contact-info-list { display: flex; flex-direction: column; gap: 1.25rem; }
.contact-card {
  display: flex; align-items: flex-start; gap: 1.25rem;
  padding: 1.5rem; background: var(--c-white);
  border: 1px solid var(--c-border); border-radius: var(--r-lg); box-shadow: var(--sh-sm);
}
.contact-card__icon {
  width: 48px; height: 48px; flex-shrink: 0; border-radius: var(--r-md);
  background: linear-gradient(135deg, var(--c-navy-lt), var(--c-navy));
  display: grid; place-items: center; color: var(--c-gold);
}
.contact-card__icon svg { width: 22px; height: 22px; }
.contact-card__label { font-size: 0.8rem; font-weight: var(--fw-semi); text-transform: uppercase; letter-spacing: 0.1em; color: var(--c-text-3); margin-bottom: 0.3rem; }
.contact-card__detail { font-size: 0.95rem; color: var(--c-text-2); line-height: 1.6; }
.contact-card__detail a { color: var(--c-teal); font-weight: var(--fw-med); transition: color var(--dur) var(--ease); }
.contact-card__detail a:hover { color: var(--c-navy); }

/* ── Form ────────────────────────────────────────────────── */
.form-card {
  background: var(--c-white); border: 1px solid var(--c-border);
  border-radius: var(--r-xl); padding: 2.5rem; box-shadow: var(--sh-md);
}
.form-card__title {
  font-family: var(--f-display);
  font-size: 2rem; font-weight: 600; color: var(--c-ink);
  margin-bottom: 0.4rem; letter-spacing: -0.018em;
}
.form-card__sub { font-size: 0.875rem; color: var(--c-text-3); margin-bottom: 2.25rem; }
.form-group { margin-bottom: 1.35rem; }
.form-label {
  display: block; font-size: 0.68rem; font-weight: var(--fw-semi);
  letter-spacing: 0.13em; text-transform: uppercase;
  color: var(--c-text-2); margin-bottom: 0.55rem;
}
.form-input {
  width: 100%; padding: 0.85rem 1rem; border: 1px solid var(--c-border);
  border-radius: var(--r-sm); font-size: 0.98rem; color: var(--c-text);
  background: var(--c-white);
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
  -webkit-appearance: none; appearance: none;
}
.form-input:focus { outline: none; border-color: var(--c-gold); box-shadow: 0 0 0 3px rgba(201,162,39,0.15); }
.form-input.is-error { border-color: var(--c-error); }
textarea.form-input { resize: vertical; min-height: 130px; }
.form-error { display: none; font-size: 0.78rem; color: var(--c-error); margin-top: 0.35rem; }
.form-error.is-visible { display: block; }
/* Honeypot — invisible to humans, visible to bots */
.form-honeypot {
  position: absolute; left: -9999px; top: -9999px;
  width: 1px; height: 1px; overflow: hidden; opacity: 0; pointer-events: none;
}
.form-submit-row { display: flex; align-items: center; gap: 1.25rem; flex-wrap: wrap; margin-top: 1.5rem; }
.form-privacy { font-size: 0.78rem; color: var(--c-text-3); margin-top: 0.75rem; }
.form-success {
  display: none; align-items: center; gap: 0.75rem;
  padding: 0.875rem 1.25rem;
  background: rgba(34,197,94,0.10); border: 1px solid rgba(34,197,94,0.28);
  border-radius: var(--r-md); color: var(--c-success); font-size: 0.9rem; font-weight: var(--fw-med);
}
.form-success.is-visible { display: flex; }
.form-success svg { width: 18px; height: 18px; flex-shrink: 0; }

/* ── Newsletter feature card (News page) ──────────────────── */
.newsletter-feature {
  display: grid; grid-template-columns: auto 1fr; gap: 3rem; align-items: center;
  background: var(--c-ink); border-radius: var(--r-md);
  border-left: 3px solid var(--c-gold); padding: 3.5rem;
}
.newsletter-feature__icon {
  width: 80px; height: 80px; border-radius: 50%;
  border: 1.5px solid rgba(201,162,39,0.4);
  display: grid; place-items: center; color: var(--c-gold); flex-shrink: 0;
}
.newsletter-feature__icon svg { width: 36px; height: 36px; }
.newsletter-feature__body .section-label { color: var(--c-gold); }
.newsletter-feature__body .section-label::before { background: var(--c-gold); }
.newsletter-feature__body .section-heading { color: var(--c-ivory); }
.newsletter-feature__body .section-body { color: rgba(251,248,241,0.68); }
.newsletter-feature__body .btn { margin-top: 1.75rem; }
@media (max-width: 640px) {
  .newsletter-feature { grid-template-columns: 1fr; gap: 1.5rem; padding: 2rem; }
  .newsletter-feature__icon { display: none; }
}

/* ── Repayment Calculator page ───────────────────────────── */
.comparison-card {
  background: var(--c-white);
  border: 1px solid var(--c-border); border-radius: var(--r-md);
  border-top: 3px solid var(--c-gold);
  padding: 1.75rem; box-shadow: var(--sh-md);
  margin-bottom: 3rem; min-height: 600px;
}
.comparison-info {
  max-width: 66ch; margin-inline: auto; text-align: center;
  padding-top: 2.5rem; border-top: 1px solid var(--c-border);
}
.comparison-info .section-body { margin-inline: auto; }
.comparison-info .cta-actions { margin-top: 2rem; }

/* ── Calculator ──────────────────────────────────────────── */
.calc-section { background: var(--c-bg); }
.calc-layout { display: grid; grid-template-columns: 1fr 380px; gap: 2rem; align-items: start; }
.calc-form-card {
  background: var(--c-white); border: 1px solid var(--c-border);
  border-radius: var(--r-xl); padding: 2.5rem; box-shadow: var(--sh-md);
}
.calc-form-card__title { font-size: 1.25rem; font-weight: var(--fw-bold); color: var(--c-navy); margin-bottom: 2rem; }
.calc-tabs {
  display: flex; background: var(--c-bg); border-radius: var(--r-lg);
  padding: 0.3rem; margin-bottom: 2rem;
  border: 1px solid var(--c-border);
}
.calc-tab {
  flex: 1; padding: 0.65rem 1rem; border-radius: var(--r-md);
  font-size: 0.875rem; font-weight: var(--fw-semi); color: var(--c-text-3);
  transition: background var(--dur) var(--ease), color var(--dur) var(--ease);
  text-align: center;
}
.calc-tab.is-active { background: var(--c-white); color: var(--c-navy); box-shadow: var(--sh-sm); }

.form-group--calc { margin-bottom: 1.75rem; }
.form-label--calc {
  display: flex; justify-content: space-between; align-items: baseline;
  font-size: 0.875rem; font-weight: var(--fw-semi); color: var(--c-text); margin-bottom: 0.75rem;
}
.form-label__val { font-size: 1.15rem; font-weight: var(--fw-bold); color: var(--c-navy); }
.range-slider {
  width: 100%; height: 6px; -webkit-appearance: none; appearance: none;
  background: var(--c-border); border-radius: var(--r-pill);
  outline: none; cursor: pointer; margin-bottom: 0.5rem;
}
.range-slider::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 22px; height: 22px; border-radius: var(--r-pill);
  background: var(--c-teal); border: 3px solid var(--c-white); box-shadow: var(--sh-sm);
  cursor: pointer; transition: transform 150ms var(--ease), background 150ms var(--ease);
}
.range-slider::-webkit-slider-thumb:hover { transform: scale(1.2); background: var(--c-navy); }
.range-slider::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: var(--r-pill);
  background: var(--c-teal); border: 3px solid var(--c-white); box-shadow: var(--sh-sm); cursor: pointer;
}
.range-ends { display: flex; justify-content: space-between; font-size: 0.72rem; color: var(--c-text-3); }
.form-select-calc {
  width: 100%; padding: 0.75rem 2.5rem 0.75rem 1rem;
  border: 1.5px solid var(--c-border); border-radius: var(--r-md);
  font-size: 1rem; color: var(--c-text); background-color: var(--c-white);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%236b8099' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 0.75rem center; background-size: 16px;
  -webkit-appearance: none; appearance: none; cursor: pointer;
  transition: border-color var(--dur) var(--ease);
}
.form-select-calc:focus { outline: none; border-color: var(--c-teal); box-shadow: 0 0 0 3px rgba(21,128,184,0.14); }

/* Results panel */
.calc-results-card {
  background: var(--c-ink); border-radius: var(--r-md);
  border-top: 3px solid var(--c-gold);
  padding: 2.5rem; color: var(--c-ivory);
  position: sticky; top: calc(var(--header-h) + 1rem);
  box-shadow: var(--sh-lg);
}
.results-empty {
  display: flex; flex-direction: column; align-items: center;
  justify-content: center; text-align: center; min-height: 260px; gap: 1rem;
  color: rgba(255,255,255,0.35);
}
.results-empty svg { width: 48px; height: 48px; }
.results-label {
  font-size: 0.72rem; font-weight: var(--fw-semi);
  letter-spacing: 0.12em; text-transform: uppercase;
  color: rgba(255,255,255,0.45); margin-bottom: 1.5rem;
}
.results-payment__lbl { font-size: 0.82rem; color: rgba(251,248,241,0.5); margin-bottom: 0.5rem; }
.results-payment__val {
  font-family: var(--f-display);
  font-size: clamp(2.5rem, 4.4vw, 3.6rem); font-weight: 600;
  color: var(--c-gold); line-height: 1; margin-bottom: 0.35rem;
  letter-spacing: -0.022em;
}
.results-payment__freq { font-size: 0.825rem; color: rgba(255,255,255,0.45); margin-bottom: 2rem; }

/* Donut chart */
.donut-wrap { position: relative; width: 150px; height: 150px; margin: 0 auto 1rem; }
.donut-wrap svg { width: 100%; height: 100%; transform: rotate(-90deg); }
.donut-center {
  position: absolute; inset: 0;
  display: flex; flex-direction: column; align-items: center; justify-content: center;
}
.donut-pct { font-size: 1.5rem; font-weight: var(--fw-bold); color: var(--c-white); line-height: 1; }
.donut-sub { font-size: 0.72rem; color: rgba(255,255,255,0.45); margin-top: 0.2rem; }
.donut-legend {
  display: flex; gap: 1.5rem; justify-content: center; margin-bottom: 1.5rem;
}
.donut-legend__item { display: flex; align-items: center; gap: 0.4rem; font-size: 0.78rem; color: rgba(255,255,255,0.60); }
.donut-dot { width: 10px; height: 10px; border-radius: var(--r-pill); }

.results-stats { display: flex; flex-direction: column; gap: 0.75rem; }
.results-stat {
  display: flex; justify-content: space-between; align-items: center;
  padding: 0.75rem 1rem;
  background: rgba(255,255,255,0.06); border-radius: var(--r-md);
}
.results-stat__lbl { font-size: 0.875rem; color: rgba(255,255,255,0.60); }
.results-stat__val { font-size: 0.95rem; font-weight: var(--fw-semi); color: var(--c-white); }

/* Amortisation table */
.amort-section { background: var(--c-white); }
.amort-wrap {
  overflow-x: auto; border: 1px solid var(--c-border);
  border-radius: var(--r-lg); margin-top: 2rem; box-shadow: var(--sh-sm);
}
.amort-table { width: 100%; border-collapse: collapse; font-size: 0.875rem; }
.amort-table th {
  background: var(--c-ink); color: var(--c-gold);
  font-weight: var(--fw-semi); font-size: 0.66rem; letter-spacing: 0.16em;
  text-transform: uppercase; padding: 1.1rem 1.25rem; text-align: right; white-space: nowrap;
}
.amort-table th:first-child { text-align: left; }
.amort-table td {
  padding: 0.875rem 1.25rem; text-align: right; border-bottom: 1px solid var(--c-border); color: var(--c-text-2);
}
.amort-table td:first-child { text-align: left; color: var(--c-navy); font-weight: var(--fw-semi); }
.amort-table tbody tr:last-child td { border-bottom: none; }
.amort-table tbody tr:nth-child(even) td { background: var(--c-bg); }
.amort-table tfoot td { font-weight: var(--fw-bold); color: var(--c-navy); background: var(--c-bg-2); border-top: 2px solid var(--c-border); }
.amort-empty { padding: 3rem; text-align: center; color: var(--c-text-3); font-size: 0.9rem; }

/* ── Social links ────────────────────────────────────── */
.social-links { display: flex; gap: 0.6rem; }
.social-link {
  width: 38px; height: 38px; border-radius: var(--r-sm);
  border: 1px solid rgba(201,162,39,0.28);
  display: grid; place-items: center; color: rgba(251,248,241,0.55);
  text-decoration: none;
  transition: background var(--dur) var(--ease), color var(--dur) var(--ease), border-color var(--dur) var(--ease);
}
.social-link svg { width: 15px; height: 15px; }
.social-link:hover { background: var(--c-gold); color: var(--c-ink); border-color: var(--c-gold); }

/* ── Footer ──────────────────────────────────────────── */
.site-footer {
  background: var(--c-bg-dark); padding-block: 5.5rem 2.5rem;
  border-top: 2px solid var(--c-gold);
}
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 3rem; margin-bottom: 3.5rem; }
.footer-brand .site-logo { margin-bottom: 1.5rem; }
.footer-tagline {
  font-size: 0.875rem; color: rgba(251,248,241,0.45);
  line-height: 1.85; margin-bottom: 1.25rem; max-width: 30ch;
}
.footer-col__heading {
  font-size: 0.66rem; font-weight: var(--fw-semi); color: var(--c-gold);
  letter-spacing: 0.2em; text-transform: uppercase; margin-bottom: 1.5rem;
  padding-bottom: 0.85rem; border-bottom: 1px solid rgba(201,162,39,0.22);
}
.footer-links { display: flex; flex-direction: column; gap: 0.75rem; }
.footer-links a {
  font-size: 0.86rem; color: rgba(251,248,241,0.48);
  transition: color var(--dur) var(--ease), padding-left var(--dur) var(--ease);
}
.footer-links a:hover { color: var(--c-gold-lt); padding-left: 4px; }
.footer-bottom {
  border-top: 1px solid rgba(251,248,241,0.08); padding-top: 2.25rem;
  display: flex; align-items: center; justify-content: space-between; gap: 1rem; flex-wrap: wrap;
}
.footer-copy { font-size: 0.75rem; color: rgba(251,248,241,0.3); }
.footer-legal { display: flex; gap: 1.75rem; }
.footer-legal a {
  font-size: 0.72rem; color: rgba(251,248,241,0.3);
  letter-spacing: 0.06em;
  transition: color var(--dur) var(--ease);
}
.footer-legal a:hover { color: var(--c-gold); }
.fspr {
  font-size: 0.66rem; color: rgba(251,248,241,0.32);
  letter-spacing: 0.09em;
  padding: 0.4rem 0.8rem; border: 1px solid rgba(201,162,39,0.22);
  border-radius: var(--r-sm);
}

/* ── Footer FSPR line ────────────────────────────────── */
.footer-fspr {
  font-size: 0.68rem; color: rgba(251,248,241,0.42);
  font-weight: var(--fw-med); margin-bottom: 1.5rem;
  letter-spacing: 0.07em;
}

/* ── Gold nav link (Key Documents) ──────────────────────── */
.site-nav__link--gold { color: var(--c-gold-lt); }
.site-nav__link--gold:hover,
.site-nav__link--gold.is-active { color: var(--c-gold); background: none; }

/* ── FAQ search ──────────────────────────────────────────── */
.faq-search { position: relative; max-width: 520px; margin-top: 2.5rem; }
.faq-search-icon {
  position: absolute; left: 1rem; top: 50%; transform: translateY(-50%);
  color: var(--c-text-3); pointer-events: none; display: grid; place-items: center;
}
.faq-search-icon svg { width: 18px; height: 18px; }
.faq-search-input {
  width: 100%; padding: 0.85rem 1rem 0.85rem 2.85rem;
  border: 1.5px solid var(--c-border); border-radius: var(--r-pill);
  font-size: 1rem; color: var(--c-text); background: var(--c-white);
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
  -webkit-appearance: none; appearance: none;
}
.faq-search-input:focus { outline: none; border-color: var(--c-teal); box-shadow: 0 0 0 3px rgba(21,128,184,0.14); }

/* ── Key Documents grid ──────────────────────────────────── */
.docs-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 1.5rem; margin-top: 3rem; }
.doc-card {
  background: var(--c-white); border: 1px solid var(--c-border);
  border-radius: var(--r-md); padding: 2.25rem;
  border-top: 3px solid var(--c-gold);
  display: flex; flex-direction: column;
  text-decoration: none;
  transition: box-shadow var(--dur) var(--ease), border-color var(--dur) var(--ease);
}
.doc-card:hover { box-shadow: var(--sh-md); border-color: var(--c-border-2); border-top-color: var(--c-gold); }
.doc-card__icon {
  width: 34px; height: 34px;
  background: none; border-radius: 0;
  display: grid; place-items: start;
  color: var(--c-gold); margin-bottom: 1.35rem;
}
.doc-card__icon svg { width: 28px; height: 28px; stroke-width: 1.25; }
.doc-card__name {
  font-family: var(--f-display);
  font-size: 1.4rem; font-weight: 600; color: var(--c-ink);
  margin-bottom: 0.7rem; letter-spacing: -0.01em; line-height: 1.2;
}
.doc-card__desc { font-size: 0.9rem; color: var(--c-text-2); line-height: 1.8; margin-bottom: 1.75rem; flex: 1; }
.doc-card__dl {
  display: inline-flex; align-items: center; gap: 0.5rem;
  font-size: 0.7rem; font-weight: var(--fw-semi); color: var(--c-gold-dk);
  letter-spacing: 0.13em; text-transform: uppercase;
  transition: gap var(--dur) var(--ease), color var(--dur) var(--ease);
}
.doc-card:hover .doc-card__dl { gap: 0.85rem; color: var(--c-ink); }
.doc-card__dl svg { width: 15px; height: 15px; }

/* ── Google Forms embed ──────────────────────────────────── */
.gform-section { background: var(--c-bg); }
.gform-card {
  background: var(--c-white); border: 1px solid var(--c-border);
  border-radius: var(--r-xl); padding: 2.5rem; box-shadow: var(--sh-md);
  margin-top: 3rem;
}
.gform-card__title { font-size: 1.5rem; font-weight: var(--fw-bold); color: var(--c-navy); margin-bottom: 0.4rem; }
.gform-card__sub { font-size: 0.875rem; color: var(--c-text-3); margin-bottom: 2rem; }
.gform-iframe {
  width: 100%; min-height: 720px; border: none; border-radius: var(--r-md); display: block;
}

/* ── Policy / legal pages ──────────────────────────────── */
.policy-section { background: var(--c-white); }
.policy-body { max-width: 78ch; }
.policy-body h2 {
  font-family: var(--f-display);
  font-size: 2rem; font-weight: 600; color: var(--c-ink);
  margin-top: 3rem; margin-bottom: 1.1rem; line-height: 1.18;
  letter-spacing: -0.015em;
  padding-bottom: 0.75rem; border-bottom: 1px solid var(--c-border);
}
.policy-body h2:first-child { margin-top: 0; }
.policy-body h3 {
  font-family: var(--f-display);
  font-size: 1.45rem; font-weight: 600; color: var(--c-ink);
  margin-top: 2rem; margin-bottom: 0.75rem;
}
.policy-body p { font-size: 1rem; color: var(--c-text-2); line-height: 1.85; margin-bottom: 1.15rem; }
.policy-body ul, .policy-body ol { margin: 0 0 1.25rem 1.25rem; display: flex; flex-direction: column; gap: 0.5rem; }
.policy-body ul li { list-style: disc; }
.policy-body ol li { list-style: decimal; }
.policy-body li { font-size: 1rem; color: var(--c-text-2); line-height: 1.75; padding-left: 0.25rem; }

/* ── Donut dot colours (replaces any inline style= on .donut-dot) ── */
.donut-dot--interest  { background: #C9A227; }
.donut-dot--principal { background: #8A7F6B; }

/* ── Range number inputs (inside .range-ends) ────────────── */
.range-ends input[type="number"] {
  width: 80px; padding: 0.3rem 0.5rem;
  border: 1.5px solid var(--c-border); border-radius: var(--r-sm);
  font-size: 0.8rem; color: var(--c-text); text-align: center;
  -moz-appearance: textfield;
}
.range-ends input[type="number"]::-webkit-outer-spin-button,
.range-ends input[type="number"]::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
.range-ends input[type="number"]:focus {
  outline: none; border-color: var(--c-teal);
  box-shadow: 0 0 0 2px rgba(21,128,184,0.14);
}

/* ── Disclaimer note in calculator form ──────────────────── */
.calc-form-card > div:last-child p {
  font-size: 0.78rem; color: var(--c-text-3); line-height: 1.6;
  display: flex; align-items: flex-start; gap: 0.4rem; margin-top: 1.5rem;
  padding-top: 1.5rem; border-top: 1px solid var(--c-border);
}
.calc-form-card > div:last-child p a { color: var(--c-teal); font-weight: var(--fw-med); }
.calc-form-card > div:last-child p svg { flex-shrink: 0; margin-top: 1px; }

/* ── Reveal animation ──────────────────────────────────── */
/* opacity:0 removed — content must always be visible regardless of JS.
   Only the transform slides in when the IntersectionObserver fires. */
[data-reveal] { transform: translateY(20px); transition: transform var(--dur-slow) var(--ease); }
[data-reveal].is-revealed { transform: none; }
[data-reveal-delay="100"] { transition-delay: 100ms; }
[data-reveal-delay="200"] { transition-delay: 200ms; }
[data-reveal-delay="300"] { transition-delay: 300ms; }
[data-reveal-delay="400"] { transition-delay: 400ms; }

/* ── Responsive ──────────────────────────────────────────── */
@media (max-width: 1100px) {
  .site-nav__link { font-size: 0.82rem; padding: 0.4rem 0.6rem; }
  .nav-cta { margin-inline-start: 0.5rem; padding: 0.45rem 0.95rem; font-size: 0.8rem; }
  .dropdown-menu { min-width: 210px; }
}
@media (max-width: 1024px) {
  .hero__inner { grid-template-columns: 1fr; }
  .hero__visual { display: none; }
  .about-grid { grid-template-columns: 1fr; gap: 3rem; }
  .services-intro { grid-template-columns: 1fr; gap: 1.5rem; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2.5rem; }
  .docs-grid { grid-template-columns: 1fr 1fr; }
  .calc-layout { grid-template-columns: 1fr; }
  .calc-results-card { position: static; }
  .contact-layout { grid-template-columns: 1fr; gap: 2.5rem; }
}
@media (max-width: 860px) {
  .site-nav, .nav-cta { display: none !important; }
  .menu-btn { display: flex !important; }
}
@media (max-width: 768px) {
  :root { --header-h: 64px; }
  .site-nav, .nav-cta { display: none; }
  .menu-btn { display: flex; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .stat { border-right: none; border-bottom: 1px solid var(--c-border); }
  .stat:nth-child(2) { border-right: none; }
  .stat:nth-last-child(-n+2) { border-bottom: none; }
  .services-grid { grid-template-columns: 1fr; }
  .reviews-grid { grid-template-columns: 1fr; }
  .reviews-header { flex-direction: column; align-items: flex-start; gap: 1rem; }
  .calc-band__inner { grid-template-columns: 1fr; }
  .calc-band__actions { flex-direction: column; align-items: flex-start; }
  .team-grid { grid-template-columns: 1fr; }
  .benefits-grid { grid-template-columns: 1fr; }
  .docs-grid { grid-template-columns: 1fr; }
  .gform-iframe { min-height: 900px; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .hero__actions { flex-direction: column; }
  .cta-actions { flex-direction: column; align-items: center; }
  .section { padding-block: 3.5rem; }
  .section--lg { padding-block: 4.5rem; }
}
@media (max-width: 480px) {
  .stats-grid { grid-template-columns: 1fr; }
  .stat { border-right: none; }
  .hero { padding-block: 6rem 4rem; }
}

/* ============================================================
   MORTGAGE TIME v2 — Brand update, new components
   ============================================================ */

/* Brand tokens — warm scale kept in sync with the gold logo */
:root {
  --c-cream:        #FBF8F1;
  --c-cream-border: #E4DCCA;
  --c-warm-dark:    #1F1B14;
  --c-warm-dark2:   #3D3527;
  --c-warm-muted:   #8A7F6B;
}

/* Inner-page ivory header */
.site-header.is-solid {
  background: var(--c-ivory);
  box-shadow: none;
  border-bottom: 1px solid var(--c-border);
}
.site-header.is-solid .site-nav__link { color: var(--c-text-2); background: none; }
.site-header.is-solid .site-nav__link:hover,
.site-header.is-solid .site-nav__link.is-active {
  color: var(--c-ink); background: none;
}
.site-nav__link--gold { color: var(--c-gold-dk) !important; }
.site-header.is-solid .menu-btn__bar { background: var(--c-warm-dark); }

/* Logo image */
.site-logo__img {
  height: 58px; width: auto; display: block; flex-shrink: 0;
  transition: opacity var(--dur) var(--ease);
}
.site-logo:hover .site-logo__img { opacity: 0.82; }
.site-logo__img--footer { height: 76px; width: auto; }

/* Footer 5-column grid + FSP */
.footer-grid { grid-template-columns: 2fr 1fr 1fr 1fr 1fr !important; }
.footer-fspr {
  font-size: 0.75rem; color: rgba(255,255,255,0.32);
  border: 1px solid rgba(255,255,255,0.10); border-radius: var(--r-sm);
  display: inline-block; padding: 0.3rem 0.65rem; margin-top: 0.6rem;
}

/* Blog */
.blog-section { background: var(--c-ivory); }
.blog-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 1.75rem; margin-top: 2.5rem; }
.blog-card {
  background: var(--c-white); border: 1px solid var(--c-border);
  border-radius: var(--r-md); overflow: hidden;
  display: flex; flex-direction: column;
  transition: box-shadow var(--dur) var(--ease), border-color var(--dur) var(--ease), transform var(--dur) var(--ease);
}
.blog-card:hover {
  box-shadow: var(--sh-md); border-color: var(--c-border-2);
  transform: translateY(-2px);
}
.blog-card > a {
  display: flex; flex-direction: column; height: 100%; width: 100%;
  text-decoration: none; color: inherit;
}
.blog-card__thumb {
  height: 200px;
  background: var(--c-cream);
  position: relative; overflow: hidden;
  flex-shrink: 0;
}
.blog-card__thumb::before {
  content: ''; position: absolute; inset: 0; z-index: 1; pointer-events: none;
  background: linear-gradient(180deg, transparent 60%, rgba(20,17,11,0.4) 100%);
}
.blog-card__img {
  width: 100%; height: 100%; object-fit: cover; display: block;
  transition: transform var(--dur) var(--ease);
}
.blog-card:hover .blog-card__img {
  transform: scale(1.05);
}
.blog-card__cat {
  position: absolute; bottom: 0.9rem; left: 0.9rem; z-index: 2;
  font-size: 0.65rem; font-weight: var(--fw-semi); letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--c-ink);
  background: var(--c-gold); padding: 0.35rem 0.75rem; border-radius: var(--r-sm);
  box-shadow: 0 2px 8px rgba(0,0,0,0.15);
}
.blog-card__body {
  padding: 1.75rem; flex: 1; display: flex; flex-direction: column;
  background: var(--c-white);
}
.blog-card__date {
  font-size: 0.7rem; color: var(--c-gold-dk); margin-bottom: 0.65rem;
  letter-spacing: 0.1em; text-transform: uppercase; font-weight: 600;
}
.blog-card__title {
  font-family: var(--f-display);
  font-size: 1.35rem; font-weight: 600; color: var(--c-ink);
  line-height: 1.25; margin-bottom: 0.75rem; letter-spacing: -0.012em;
}
.blog-card__excerpt {
  font-size: 0.88rem; color: var(--c-text-2); line-height: 1.75;
  flex: 1; margin-bottom: 1.35rem;
}
.blog-card__more {
  font-size: 0.72rem; font-weight: var(--fw-semi); color: var(--c-gold-dk);
  letter-spacing: 0.12em; text-transform: uppercase;
  display: inline-flex; align-items: center; gap: 0.45rem;
  margin-top: auto;
  transition: gap var(--dur) var(--ease), color var(--dur) var(--ease);
}
.blog-card:hover .blog-card__more { gap: 0.75rem; color: var(--c-ink); }
.blog-card__more svg { width: 14px; height: 14px; }

/* Featured blog card */
.blog-card--feat {
  grid-column: 1 / -1;
  display: block;
}
.blog-card--feat > a {
  display: grid;
  grid-template-columns: 1.15fr 1fr;
  min-height: 380px;
}
.blog-card--feat .blog-card__thumb {
  height: 100%;
  min-height: 380px;
}
.blog-card--feat .blog-card__body {
  padding: 3rem;
  justify-content: center;
}
.blog-card--feat .blog-card__title {
  font-size: 2.1rem;
  line-height: 1.2;
}

@media (max-width: 900px) {
  .blog-grid { grid-template-columns: 1fr; }
  .blog-card--feat > a { grid-template-columns: 1fr; }
  .blog-card--feat .blog-card__thumb { height: 240px; min-height: 240px; }
  .blog-card--feat .blog-card__body { padding: 1.75rem; }
}

.blog-cats { display: flex; flex-wrap: wrap; gap: 0.5rem; margin-bottom: 2.5rem; }
.blog-cat {
  padding: 0.5rem 1.15rem;
  font-size: 0.68rem; font-weight: var(--fw-semi);
  letter-spacing: 0.13em; text-transform: uppercase;
  border: 1px solid var(--c-border); border-radius: var(--r-sm);
  color: var(--c-text-2); background: var(--c-white); cursor: pointer;
  transition: background var(--dur) var(--ease), color var(--dur) var(--ease), border-color var(--dur) var(--ease);
}
.blog-cat.is-active, .blog-cat:hover { background: var(--c-ink); color: var(--c-gold); border-color: var(--c-ink); }
.cms-info {
  background: var(--c-ivory); border: 1px solid var(--c-border);
  border-left: 3px solid var(--c-gold);
  border-radius: var(--r-md); padding: 1.35rem 1.6rem;
  display: flex; align-items: flex-start; gap: 1rem;
  margin-bottom: 2.5rem; font-size: 0.875rem; color: var(--c-text-2);
}
.cms-info svg { width: 20px; height: 20px; color: var(--c-gold); flex-shrink: 0; margin-top: 1px; }
.cms-info a { color: var(--c-gold-dk); font-weight: var(--fw-semi); }

/* News */
.news-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 1.75rem; margin-top: 3.5rem; }
.news-card {
  background: var(--c-white); border: 1px solid var(--c-border);
  border-radius: var(--r-md); padding: 2.25rem;
  border-left: 3px solid transparent;
  display: flex; flex-direction: column; gap: 0.85rem; text-decoration: none;
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.news-card:hover { border-left-color: var(--c-gold); box-shadow: var(--sh-md); }
.news-card__date {
  font-size: 0.68rem; color: var(--c-text-3); display: flex; align-items: center; gap: 0.45rem;
  letter-spacing: 0.11em; text-transform: uppercase;
}
.news-card__date svg { width: 13px; height: 13px; }
.news-card__title {
  font-family: var(--f-display);
  font-size: 1.5rem; font-weight: 600; color: var(--c-ink);
  line-height: 1.22; letter-spacing: -0.012em;
}
.news-card__excerpt { font-size: 0.9rem; color: var(--c-text-2); line-height: 1.8; flex: 1; }
.news-card__cta {
  font-size: 0.68rem; font-weight: var(--fw-semi); color: var(--c-gold-dk);
  letter-spacing: 0.13em; text-transform: uppercase;
  display: flex; align-items: center; gap: 0.45rem; margin-top: auto;
  transition: gap var(--dur) var(--ease);
}
.news-card:hover .news-card__cta { gap: 0.75rem; }
.news-card__cta svg { width: 14px; height: 14px; }

/* FAQ */
.faq-search { position: relative; max-width: 500px; margin-bottom: 2.5rem; }
.faq-search-input {
  width: 100%; padding: 0.95rem 1rem 0.95rem 3rem;
  border: 1px solid var(--c-border); border-radius: var(--r-md);
  font-size: 0.95rem; color: var(--c-text); background: var(--c-white);
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
  -webkit-appearance: none; appearance: none;
}
.faq-search-input:focus { outline: none; border-color: var(--c-gold); box-shadow: 0 0 0 3px rgba(201,162,39,0.15); }
.faq-search-icon { position: absolute; left: 1rem; top: 50%; transform: translateY(-50%); color: var(--c-gold); pointer-events: none; }
.faq-search-icon svg { width: 18px; height: 18px; }

/* Key Documents */
.docs-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 1.5rem; margin-top: 3.5rem; }
.doc-card {
  background: var(--c-white); border: 1px solid var(--c-border);
  border-radius: var(--r-md); padding: 1.9rem;
  display: flex; align-items: flex-start; gap: 1.35rem; text-decoration: none;
  transition: box-shadow var(--dur) var(--ease), border-color var(--dur) var(--ease);
}
.doc-card:hover { box-shadow: var(--sh-md); border-color: var(--c-gold); }
.doc-card__icon {
  width: 46px; height: 46px; flex-shrink: 0; border-radius: var(--r-sm);
  background: none;
  border: 1px solid rgba(201,162,39,0.35);
  display: grid; place-items: center; color: var(--c-gold);
}
.doc-card__icon svg { width: 21px; height: 21px; stroke-width: 1.35; }
.doc-card__name {
  font-family: var(--f-display);
  font-size: 1.3rem; font-weight: 600; color: var(--c-ink);
  margin-bottom: 0.45rem; letter-spacing: -0.01em; line-height: 1.2;
}
.doc-card__desc { font-size: 0.88rem; color: var(--c-text-2); line-height: 1.75; margin-bottom: 0.95rem; }
.doc-card__dl {
  font-size: 0.68rem; font-weight: var(--fw-semi); color: var(--c-gold-dk);
  letter-spacing: 0.13em; text-transform: uppercase;
  display: flex; align-items: center; gap: 0.45rem;
  transition: gap var(--dur) var(--ease);
}
.doc-card:hover .doc-card__dl { gap: 0.7rem; }
.doc-card__dl svg { width: 14px; height: 14px; }

/* Google Forms embed */
.gform-section { background: var(--c-ivory); }
.gform-card {
  background: var(--c-white); border: 1px solid var(--c-border);
  border-top: 3px solid var(--c-gold);
  border-radius: var(--r-md); padding: 2.5rem; box-shadow: var(--sh-sm);
}
.gform-card__title {
  font-family: var(--f-display);
  font-size: 1.9rem; font-weight: 600; color: var(--c-ink);
  margin-bottom: 0.5rem; letter-spacing: -0.015em;
}
.gform-card__sub { font-size: 0.9rem; color: var(--c-text-3); margin-bottom: 1.75rem; }
.gform-iframe { width: 100%; border: none; border-radius: var(--r-sm); min-height: 640px; display: block; }

/* Social Media Hub (Facebook & Instagram Side-by-Side) */
.social-hub-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
  max-width: 760px;
  margin: 1.75rem auto 0;
  align-items: stretch;
}
.social-embed-card {
  background: var(--c-white);
  border: 1px solid var(--c-border);
  border-radius: var(--r-md);
  overflow: hidden;
  box-shadow: var(--sh-sm);
  display: flex;
  flex-direction: column;
}
.social-embed-header {
  padding: 0.85rem 1.15rem;
  border-bottom: 1px solid var(--c-border);
  display: flex;
  align-items: center;
  gap: 0.6rem;
  background: var(--c-cream);
}
.social-embed-header svg {
  width: 18px !important;
  height: 18px !important;
  max-width: 18px !important;
  max-height: 18px !important;
  flex-shrink: 0;
}
.social-embed-header.fb-header svg { color: #1877F2; }
.social-embed-header.ig-header svg { color: #E1306C; }
.social-embed-header strong { font-size: 0.85rem; color: var(--c-ink); font-weight: 600; }

.fb-iframe { width: 100%; border: none; display: block; height: 320px; min-height: 320px; }

.ig-profile-card {
  padding: 1.15rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  flex: 1;
  background: var(--c-white);
}
.ig-profile-top {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  margin-bottom: 1rem;
}
.ig-avatar {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  padding: 2px;
  background: linear-gradient(45deg, #f09433 0%, #e6683c 25%, #dc2743 50%, #cc2366 75%, #bc1888 100%);
  flex-shrink: 0;
}
.ig-avatar img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: 50%;
  border: 2px solid #fff;
  display: block;
}
.ig-info h3 {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--c-ink);
  margin: 0 0 0.1rem;
  font-family: var(--f-sans);
}
.ig-handle {
  font-size: 0.78rem;
  color: var(--c-gold-dk);
  font-weight: 600;
  margin: 0 0 0.2rem;
}
.ig-bio {
  font-size: 0.75rem;
  color: var(--c-text-2);
  line-height: 1.4;
  margin: 0;
}
.ig-posts-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.5rem;
  margin-bottom: 1rem;
}
.ig-post-thumb {
  position: relative;
  border-radius: var(--r-sm);
  overflow: hidden;
  aspect-ratio: 1 / 1;
  background: var(--c-cream);
  text-decoration: none;
  display: block;
}
.ig-post-thumb img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform var(--dur) var(--ease);
}
.ig-post-thumb:hover img {
  transform: scale(1.08);
}
.ig-post-overlay {
  position: absolute;
  inset: 0;
  background: rgba(20, 17, 11, 0.65);
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  transition: opacity var(--dur) var(--ease);
  color: #fff;
  padding: 0.35rem;
  text-align: center;
  font-size: 0.7rem;
  font-weight: 600;
}
.ig-post-thumb:hover .ig-post-overlay {
  opacity: 1;
}
.social-card-cta {
  padding: 0.75rem 1rem;
  border-top: 1px solid var(--c-border);
  background: var(--c-cream);
  display: flex;
  justify-content: center;
}

@media (max-width: 768px) {
  .social-hub-grid {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }
}

/* Article / long-form */
.article-content { max-width: 70ch; }
.article-content h2 {
  font-family: var(--f-display);
  font-size: 2.25rem; font-weight: 600; color: var(--c-ink);
  margin-top: 3rem; margin-bottom: 1.1rem; line-height: 1.15; letter-spacing: -0.018em;
}
.article-content h3 {
  font-family: var(--f-display);
  font-size: 1.55rem; font-weight: 600; color: var(--c-ink);
  margin-top: 2.25rem; margin-bottom: 0.75rem; letter-spacing: -0.01em;
}
.article-content p { font-size: 1rem; color: var(--c-text-2); line-height: 1.9; margin-bottom: 1.35rem; }
.article-content ul, .article-content ol { margin-bottom: 1.35rem; padding-inline-start: 1.5rem; }
.article-content li { font-size: 1rem; color: var(--c-text-2); line-height: 1.8; margin-bottom: 0.5rem; list-style: disc; }
.article-content li::marker { color: var(--c-gold); }

/* Policy pages */
.policy-section { background: var(--c-white); }
.policy-body { max-width: 74ch; }
.policy-body h2 {
  font-family: var(--f-display);
  font-size: 1.9rem; font-weight: 600; color: var(--c-ink);
  margin-top: 3rem; margin-bottom: 1.1rem; line-height: 1.18;
  letter-spacing: -0.015em;
  padding-bottom: 0.75rem; border-bottom: 1px solid var(--c-border);
}
.policy-body h2:first-child { margin-top: 0; }
.policy-body p { font-size: 0.97rem; color: var(--c-text-2); line-height: 1.9; margin-bottom: 1.1rem; }
.policy-body ul { padding-inline-start: 1.5rem; margin-bottom: 1.1rem; }
.policy-body li { font-size: 0.97rem; color: var(--c-text-2); line-height: 1.8; margin-bottom: 0.4rem; list-style: disc; }
.policy-body li::marker { color: var(--c-gold); }

/* Responsive updates */
@media (max-width: 1200px) { .footer-grid { grid-template-columns: repeat(3,1fr) !important; } }
@media (max-width: 1024px) {
  .blog-card--feat { grid-column: span 1; grid-template-columns: 1fr; }
  .blog-card--feat .blog-card__thumb { height: 200px; }
  .blog-grid { grid-template-columns: repeat(2,1fr); }
}
@media (max-width: 768px) {
  .blog-grid, .news-grid, .docs-grid { grid-template-columns: 1fr; }
  .blog-card--feat { grid-column: span 1; }
  .footer-grid { grid-template-columns: 1fr !important; }
}

/* ============================================================
   FINAL POLISH — gold accent pass over remaining components
   ============================================================ */

/* ── Adviser portrait card ─────────────────────────────── */
.adviser-card {
  border-radius: var(--r-md);
  overflow: hidden;
  background: var(--c-ink);
  border: 1px solid var(--c-border);
  border-top: 3px solid var(--c-gold);
  box-shadow: var(--sh-md);
  max-width: 420px; margin-inline: auto;
}
.adviser-card__media {
  position: relative;
  background: var(--c-sand);
  overflow: hidden;
  aspect-ratio: 1 / 1;
}
.adviser-card__img {
  width: 100%; height: 100%; display: block;
  object-fit: cover; object-position: center 20%;
}
/* Soft fade from the portrait into the ink caption panel */
.adviser-card__media::after {
  content: ''; position: absolute; inset-inline: 0; bottom: -1px; height: 18%;
  background: linear-gradient(to bottom, transparent 0%, var(--c-ink) 100%);
  pointer-events: none;
}
.adviser-card__body {
  padding: 1.75rem 2rem 2rem;
  color: var(--c-ivory);
  position: relative;
  margin-top: -1px;
}
.adviser-card__qs {
  display: block; font-family: var(--f-display);
  font-size: 3.5rem; line-height: 0.5; color: var(--c-gold);
  margin-bottom: 1rem;
}
.adviser-card__quote {
  font-family: var(--f-display);
  font-size: 1.5rem; font-weight: 500; font-style: italic;
  line-height: 1.35; letter-spacing: -0.01em;
  margin-bottom: 1.5rem;
}
.adviser-card__author {
  padding-top: 1.15rem; border-top: 1px solid rgba(201,162,39,0.25);
}
.adviser-card__name {
  font-size: 0.76rem; font-weight: var(--fw-semi);
  letter-spacing: 0.13em; text-transform: uppercase; color: var(--c-gold);
}
.adviser-card__role {
  font-size: 0.74rem; color: rgba(251,248,241,0.5);
  margin-top: 0.3rem; letter-spacing: 0.04em;
}

/* Team card photo variant (about page) */
/* height:auto is required — the img height attribute otherwise wins
   over aspect-ratio and the crop never applies. */
.team-card__photo {
  width: 100%; display: block;
  aspect-ratio: 1 / 1; object-fit: cover;
  object-position: center 16%;
  background: var(--c-sand);
  border-bottom: 1px solid var(--c-border);
  /* Override any presentational height attribute from HTML */
  height: auto !important;
}
.team-card--photo .team-card__banner { display: none; }
.team-card--photo .team-card__body { padding-top: 2.25rem; }
/* Monogram placeholder — keeps cards aligned when there's no photo */
.team-card__monogram {
  width: 100%;
  /* Use padding-bottom as a fallback for browsers that ignore aspect-ratio on grid/flex children */
  aspect-ratio: 1 / 1;
  min-height: 300px;
  background: var(--c-ink);
  display: flex; align-items: center; justify-content: center;
  position: relative; overflow: hidden;
  border-bottom: 1px solid var(--c-border);
}
.team-card__monogram::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 60% 100% at 70% 30%, rgba(201,162,39,0.16) 0%, transparent 70%);
}
.team-card__monogram span {
  position: relative; z-index: 1;
  font-family: var(--f-display);
  font-size: 5rem; font-weight: 600; color: var(--c-gold);
  letter-spacing: 0.06em; line-height: 1;
  text-align: center;
}

/* Text selection */
::selection { background: var(--c-gold); color: var(--c-ink); }

/* Focus ring */
:focus-visible { outline: 2px solid var(--c-gold); outline-offset: 3px; border-radius: 2px; }

/* Skip link */
.skip-link {
  background: var(--c-gold); color: var(--c-ink);
  border-radius: var(--r-sm);
  font-size: 0.72rem; letter-spacing: 0.11em; text-transform: uppercase;
}

/* Contact cards */
.contact-card {
  border-radius: var(--r-md); box-shadow: none;
  border-left: 3px solid transparent;
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.contact-card:hover { border-left-color: var(--c-gold); box-shadow: var(--sh-sm); }
.contact-card__icon {
  background: var(--c-ink); border-radius: var(--r-sm); color: var(--c-gold);
}
.contact-card__label { letter-spacing: 0.16em; font-size: 0.66rem; color: var(--c-gold-dk); }
.contact-card__detail a { color: var(--c-text); font-weight: var(--fw-med); }
.contact-card__detail a:hover { color: var(--c-gold-dk); }

/* Form card */
.form-card { border-radius: var(--r-md); border-top: 3px solid var(--c-gold); box-shadow: var(--sh-sm); }

/* Calculator sliders — gold thumb on a sand track */
.range-slider { background: var(--c-sand-2); height: 3px; }
.range-slider::-webkit-slider-thumb {
  width: 18px; height: 18px;
  background: var(--c-gold); border: 2px solid var(--c-white);
  box-shadow: 0 1px 4px rgba(31,27,20,0.25);
}
.range-slider::-webkit-slider-thumb:hover { transform: scale(1.15); background: var(--c-gold-dk); }
.range-slider::-moz-range-thumb {
  width: 18px; height: 18px;
  background: var(--c-gold); border: 2px solid var(--c-white);
}
.form-select-calc { border: 1px solid var(--c-border); border-radius: var(--r-sm); }
.form-select-calc:focus { border-color: var(--c-gold); box-shadow: 0 0 0 3px rgba(201,162,39,0.15); }
.range-ends input[type="number"] { border: 1px solid var(--c-border); border-radius: var(--r-sm); }
.range-ends input[type="number"]:focus { border-color: var(--c-gold); box-shadow: 0 0 0 2px rgba(201,162,39,0.15); }

/* Calculator tabs */
.calc-tabs { background: var(--c-ivory); border: 1px solid var(--c-border); border-radius: var(--r-sm); padding: 4px; }
.calc-tab {
  border-radius: var(--r-sm);
  font-size: 0.68rem; letter-spacing: 0.11em; text-transform: uppercase;
}
.calc-tab.is-active { background: var(--c-ink); color: var(--c-gold); box-shadow: none; }
.calc-form-card { border-radius: var(--r-md); box-shadow: var(--sh-sm); }
.calc-form-card__title {
  font-family: var(--f-display); font-size: 1.75rem; font-weight: 600;
  letter-spacing: -0.015em; color: var(--c-ink);
}
.form-label--calc { font-size: 0.68rem; letter-spacing: 0.13em; text-transform: uppercase; color: var(--c-text-2); }
.form-label__val {
  font-family: var(--f-display); font-size: 1.5rem; font-weight: 600;
  color: var(--c-ink); letter-spacing: -0.015em; text-transform: none;
}

/* Calculator results panel details */
.results-label { color: var(--c-gold); letter-spacing: 0.22em; font-size: 0.64rem; }
.results-stat { background: rgba(251,248,241,0.05); border-radius: var(--r-sm); }
.results-stat__lbl { font-size: 0.78rem; color: rgba(251,248,241,0.55); }
.results-stat__val { font-size: 0.95rem; color: var(--c-ivory); }
.donut-pct { font-family: var(--f-display); font-size: 1.85rem; font-weight: 600; }
.donut-sub { color: rgba(251,248,241,0.45); letter-spacing: 0.1em; text-transform: uppercase; font-size: 0.62rem; }
.donut-legend__item { color: rgba(251,248,241,0.6); font-size: 0.72rem; }
.donut-dot { border-radius: 50%; }

/* Amortisation table */
.amort-wrap { border-radius: var(--r-md); box-shadow: none; }
.amort-table td:first-child { color: var(--c-ink); }
.amort-table tbody tr:nth-child(even) td { background: var(--c-ivory); }
.amort-table tfoot td { color: var(--c-ink); background: var(--c-sand); border-top: 2px solid var(--c-gold); }

/* Form success / error */
.form-success {
  background: rgba(63,125,78,0.08); border-color: rgba(63,125,78,0.3);
  border-radius: var(--r-sm);
}

/* Section rhythm — more generous whitespace reads as premium */
.section    { padding-block: 6.5rem; }
.section--lg { padding-block: 8.5rem; }
.section--sm { padding-block: 4rem; }

/* Reveal animation override removed — handled above */

@media (max-width: 1024px) {
  .hero__inner { grid-template-columns: 1fr; gap: 3rem; }
  .about-grid  { grid-template-columns: 1fr; gap: 3rem; }
  .services-grid { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .section    { padding-block: 4.5rem; }
  .section--lg { padding-block: 5.5rem; }
  .hero { min-height: auto; padding-block: 7rem 4.5rem; }
  .hero__body { padding-left: 1rem; }
  .hero__scroll { display: none; }
  .stat { border-right: none; border-bottom: 1px solid var(--c-border); padding-block: 1.5rem; }
  .lenders-track .lender-pill { border-right: none; }
  .reviews-grid { grid-template-columns: 1fr; }
  .page-hero { padding-block: calc(var(--header-h) + 3rem) 3.5rem; }
  .btn { width: 100%; }
  .hero__actions .btn, .cta-actions .btn { width: 100%; }
}