:root {
  --navy-950: #071d34;
  --navy-900: #0b2b4b;
  --navy-800: #123d67;
  --blue-600: #286694;
  --red-600: #cf3444;
  --red-500: #df4653;
  --red-100: #fdebed;
  --cream: #fbfaf7;
  --sand: #f3eee7;
  --sand-strong: #e8ded2;
  --sage: #dfe9e4;
  --ink: #173047;
  --muted: #667686;
  --line: rgba(11, 43, 75, 0.12);
  --white: #fff;
  --shadow-sm: 0 10px 30px rgba(7, 29, 52, 0.08);
  --shadow-lg: 0 24px 65px rgba(7, 29, 52, 0.16);
  --radius-sm: 14px;
  --radius-md: 22px;
  --radius-lg: 34px;
  --container: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--cream);
  color: var(--ink);
  font-family: "Plus Jakarta Sans", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
body.menu-open { overflow: hidden; }
img, video { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
button { color: inherit; }
h1, h2, h3, p { margin-top: 0; }
h1, h2, h3 {
  color: var(--navy-950);
  font-family: "Fraunces", Georgia, serif;
  font-weight: 600;
  line-height: 1.08;
  letter-spacing: -0.025em;
}
h1 { font-size: clamp(3rem, 6vw, 5.8rem); }
h2 { font-size: clamp(2.2rem, 4vw, 4rem); }
h3 { font-size: 1.45rem; }

.skip-link {
  position: fixed;
  top: 10px;
  left: 10px;
  z-index: 1000;
  transform: translateY(-150%);
  border-radius: 10px;
  background: var(--navy-950);
  color: white;
  padding: 10px 16px;
}
.skip-link:focus { transform: translateY(0); }
.container { width: min(calc(100% - 40px), var(--container)); margin-inline: auto; }
.section { padding: clamp(76px, 10vw, 132px) 0; }
.section-sm { padding: clamp(54px, 7vw, 90px) 0; }
.surface-sand { background: var(--sand); }
.surface-white { background: var(--white); }
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  margin-bottom: 16px;
  color: var(--red-600);
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}
.eyebrow::before { width: 28px; height: 2px; background: currentColor; content: ""; }
.section-heading { max-width: 760px; margin-bottom: 44px; }
.section-heading h2 { margin-bottom: 18px; }
.section-heading p { max-width: 670px; color: var(--muted); font-size: 1.06rem; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 1px solid rgba(11, 43, 75, 0.08);
  background: rgba(251, 250, 247, 0.94);
  backdrop-filter: blur(14px);
}
.header-inner { display: flex; min-height: 82px; align-items: center; justify-content: space-between; gap: 26px; }
.brand { display: inline-flex; align-items: center; flex-shrink: 0; gap: 10px; }
.brand img { width: auto; height: 58px; }
.brand-copy { display: grid; line-height: 1; }
.brand-copy strong { color: var(--navy-900); font-family: "Fraunces", Georgia, serif; font-size: 1.03rem; }
.brand-copy small { margin-top: 5px; color: var(--red-600); font-size: .57rem; font-weight: 700; letter-spacing: .15em; text-transform: uppercase; }
.desktop-nav { display: flex; align-items: center; gap: 25px; }
.desktop-nav > a:not(.button) {
  position: relative;
  color: #385166;
  font-size: 0.91rem;
  font-weight: 600;
}
.desktop-nav > a:not(.button)::after {
  position: absolute;
  right: 0;
  bottom: -11px;
  left: 0;
  height: 2px;
  transform: scaleX(0);
  transform-origin: right;
  background: var(--red-500);
  content: "";
  transition: transform 180ms ease;
}
.desktop-nav > a:hover::after, .desktop-nav > a.active::after { transform: scaleX(1); transform-origin: left; }
.desktop-nav > a.nav-health-check {
  display: inline-flex;
  min-height: 38px;
  align-items: center;
  border: 1px solid rgba(207,52,68,.2);
  border-radius: 999px;
  background: var(--red-100);
  color: var(--red-600);
  padding: 0 13px;
  font-size: .8rem;
}
.desktop-nav > a.nav-health-check::after { display: none; }
.desktop-nav > a.nav-health-check:hover, .desktop-nav > a.nav-health-check.active { border-color: var(--red-500); background: var(--red-500); color: white; }
.header-phone { color: var(--navy-800) !important; }
.menu-button {
  display: none;
  width: 46px;
  height: 46px;
  flex: 0 0 46px;
  align-items: center;
  justify-content: center;
  border: 1px solid var(--line);
  border-radius: 50%;
  background: white;
  color: var(--navy-950);
  padding: 0;
  line-height: 0;
  cursor: pointer;
  -webkit-appearance: none;
  appearance: none;
  -webkit-tap-highlight-color: transparent;
  touch-action: manipulation;
}
.menu-glyph { position: relative; display: block; width: 22px; height: 16px; flex: 0 0 22px; color: var(--navy-950); }
.menu-glyph::before, .menu-glyph::after, .menu-glyph > span { position: absolute; left: 0; display: block; width: 22px; height: 2px; border-radius: 2px; background: currentColor; content: ""; transition: top 180ms ease, bottom 180ms ease, opacity 150ms ease, transform 180ms ease; -webkit-transform: translateZ(0); transform: translateZ(0); }
.menu-glyph::before { top: 0; }
.menu-glyph > span { top: 7px; }
.menu-glyph::after { bottom: 0; }
.menu-button[aria-expanded="true"] .menu-glyph::before { top: 7px; -webkit-transform: rotate(45deg); transform: rotate(45deg); }
.menu-button[aria-expanded="true"] .menu-glyph > span { opacity: 0; }
.menu-button[aria-expanded="true"] .menu-glyph::after { bottom: 7px; -webkit-transform: rotate(-45deg); transform: rotate(-45deg); }
.mobile-panel { display: none; }

.button {
  display: inline-flex;
  min-height: 50px;
  align-items: center;
  justify-content: center;
  gap: 10px;
  border: 1px solid transparent;
  border-radius: 999px;
  padding: 0 23px;
  font-size: 0.92rem;
  font-weight: 700;
  line-height: 1.2;
  transition: transform 180ms ease, box-shadow 180ms ease, background 180ms ease;
}
.button:hover { transform: translateY(-2px); }
.button-primary { background: var(--red-500); color: white; box-shadow: 0 10px 24px rgba(207, 52, 68, 0.26); }
.button-primary:hover { background: var(--red-600); box-shadow: 0 14px 30px rgba(207, 52, 68, 0.34); }
.button-secondary { border-color: rgba(255,255,255,0.35); background: rgba(255,255,255,0.12); color: white; backdrop-filter: blur(8px); }
.button-secondary:hover { background: rgba(255,255,255,0.2); }
.button-outline { border-color: var(--line); background: white; color: var(--navy-900); }
.button-outline:hover { border-color: rgba(207,52,68,.35); box-shadow: var(--shadow-sm); }
.button svg { width: 17px; height: 17px; }

.hero {
  position: relative;
  overflow: hidden;
  background: #e8f0f3;
  isolation: isolate;
}
.hero-grid { display: grid; min-height: 680px; grid-template-columns: .88fr 1.12fr; align-items: center; gap: clamp(40px, 6vw, 82px); padding: 42px 0 48px; }
.hero-media { position: relative; height: 590px; overflow: hidden; border-radius: 180px 32px 32px 32px; background: var(--navy-900); box-shadow: var(--shadow-lg); }
.hero-video-slot {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  background: url("/assets/optimised/hero-home-1600-a8d5bdfa719926e2.webp") center 56% / cover no-repeat;
}
.hero-copy { max-width: 610px; }
.hero-copy h1 { max-width: 620px; margin-bottom: 25px; color: var(--navy-950); font-size: clamp(3.25rem, 5.4vw, 5.55rem); }
.hero-copy h1 em { display: block; color: #72899a; font-weight: 500; }
.hero-copy > p { max-width: 590px; margin-bottom: 31px; color: #4d6373; font-size: clamp(1rem, 1.5vw, 1.08rem); }
.hero-actions { display: flex; flex-wrap: wrap; gap: 13px; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 11px 20px; margin-top: 32px; color: #4b6272; font-size: .78rem; font-weight: 600; }
.hero-trust span { display: inline-flex; align-items: center; gap: 8px; }
.hero-trust svg { width: 16px; color: var(--red-500); }
.hero-media-note { position: absolute; right: 24px; bottom: 24px; z-index: 2; width: 165px; border: 1px solid rgba(255,255,255,.55); border-radius: 26px; background: rgba(255,255,255,.88); color: var(--navy-900); padding: 19px 20px; backdrop-filter: blur(10px); }
.hero-media-note strong, .hero-media-note span { display: block; }
.hero-media-note strong { font-family: "Fraunces", Georgia, serif; font-size: 1.05rem; }
.hero-media-note span { margin-top: 5px; color: var(--muted); font-size: .72rem; line-height: 1.45; }
.hero-service-strip {
  position: relative;
  z-index: 2;
  border-top: 1px solid rgba(255,255,255,.16);
  background: var(--navy-950);
  color: white;
}
.hero-service-strip .container { display: grid; min-height: 96px; grid-template-columns: repeat(4, 1fr); padding: 0; }
.hero-service-strip a { display: flex; align-items: center; gap: 14px; border-right: 1px solid rgba(255,255,255,.13); padding: 18px 22px; font-size: .88rem; font-weight: 600; }
.hero-service-strip a:first-child { border-left: 1px solid rgba(255,255,255,.13); }
.hero-service-strip a:hover { background: rgba(255,255,255,.08); }
.hero-service-strip svg { width: 23px; flex: 0 0 auto; color: #ff7f89; }

.service-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.service-card {
  position: relative;
  min-height: 260px;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  background: white;
  padding: 31px;
  box-shadow: 0 6px 20px rgba(7,29,52,.035);
  transition: transform 180ms ease, box-shadow 180ms ease, border-color 180ms ease;
}
.service-card:hover { transform: translateY(-5px); border-color: rgba(207,52,68,.22); box-shadow: var(--shadow-lg); }
.service-icon { display: grid; width: 48px; height: 48px; place-items: center; margin-bottom: 34px; border-radius: 15px; background: var(--red-100); color: var(--red-600); }
.service-icon svg { width: 23px; height: 23px; }
.service-card h3 { margin-bottom: 11px; }
.service-card p { margin-bottom: 22px; color: var(--muted); font-size: .93rem; }
.text-link { display: inline-flex; align-items: center; gap: 7px; color: var(--navy-800); font-size: .86rem; font-weight: 700; }
.text-link svg { width: 15px; transition: transform 180ms ease; }
.text-link:hover svg { transform: translateX(4px); }
.section-footer-actions { display: flex; flex-wrap: wrap; gap: 13px; margin-top: 38px; }

.sr-only {
  position: absolute !important;
  width: 1px !important;
  height: 1px !important;
  overflow: hidden !important;
  clip: rect(0, 0, 0, 0) !important;
  white-space: nowrap !important;
}
.centered-heading { margin-inline: auto; text-align: center; }
.centered-heading p { margin-inline: auto; }
.centered-heading .eyebrow { justify-content: center; }
.centered-action { display: flex; justify-content: center; margin-top: 36px; }
.split-layout { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); align-items: center; gap: clamp(46px, 7vw, 92px); }
.split-media { overflow: hidden; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); }
.split-media img { width: 100%; aspect-ratio: 1 / 1.05; object-fit: cover; }
.split-copy h2 { margin-bottom: 22px; }
.split-copy > p { color: var(--muted); }
.check-list { display: grid; gap: 13px; margin: 25px 0 0; padding: 0; list-style: none; }
.check-list li { display: flex; align-items: flex-start; gap: 11px; color: #435a6d; font-size: .94rem; }
.check-list svg { width: 18px; height: 18px; flex: 0 0 auto; margin-top: 3px; color: var(--red-500); }

.process-section { background: #eef1f4; }

.footer-reviews { position: relative; overflow: hidden; border-bottom: 1px solid rgba(255,255,255,.12); background: radial-gradient(circle at 13% 0%, rgba(55,119,166,.34), transparent 34%), linear-gradient(145deg, #102f4d, var(--navy-950)); }
.footer-reviews::after { position: absolute; top: -170px; right: -110px; width: 390px; height: 390px; border: 1px solid rgba(255,255,255,.08); border-radius: 50%; content: ""; pointer-events: none; }
.footer-reviews-inner { position: relative; z-index: 1; padding: clamp(48px, 6vw, 72px) 0 clamp(42px, 5vw, 61px); }
.footer-reviews-heading { display: grid; grid-template-columns: minmax(0, 1fr) auto; align-items: end; gap: 34px; margin-bottom: 28px; }
.footer-reviews-copy .eyebrow { color: #ffabb2; }
.footer-reviews-copy h2 { margin: 0 0 9px; color: white; font-size: clamp(2.15rem, 4vw, 3.4rem); }
.footer-reviews-copy > p { max-width: 650px; margin: 0; color: rgba(255,255,255,.66); font-size: .91rem; }
.footer-reviews-meta { display: flex; align-items: flex-end; gap: 27px; }
.google-rating { display: flex; flex-wrap: wrap; align-items: center; gap: 8px 11px; margin: 24px 0 2px; }
.google-rating[hidden] { display: none; }
.google-rating strong { color: white; font-family: "Fraunces", Georgia, serif; font-size: 3.45rem; font-weight: 600; line-height: .9; }
.google-rating-star { color: #fbbc04; font-size: 1.65rem; line-height: 1; }
.google-rating [data-google-rating-count] { flex-basis: 100%; color: rgba(255,255,255,.63); font-size: .76rem; }
.footer-reviews .google-rating { min-width: 150px; margin: 0; }
.footer-review-links { display: flex; flex-wrap: wrap; justify-content: flex-end; gap: 9px; }
.footer-review-links a { display: inline-flex; min-height: 42px; align-items: center; gap: 7px; border: 1px solid rgba(255,255,255,.18); border-radius: 999px; background: rgba(255,255,255,.07); color: white; padding: 9px 15px; font-size: .7rem; font-weight: 700; }
.footer-review-links a:first-child { border-color: var(--red-500); background: var(--red-500); }
.footer-review-links a:hover { transform: translateY(-1px); border-color: rgba(255,255,255,.42); background: rgba(255,255,255,.13); }
.footer-review-links a:first-child:hover { border-color: var(--red-600); background: var(--red-600); }
.footer-review-links svg { width: 15px; }
.footer-review-window { min-width: 0; }
.google-review-status { border: 1px dashed rgba(11,43,75,.18); border-radius: 18px; background: #faf8f5; color: var(--muted); padding: 28px 22px; font-size: .82rem; text-align: center; }
.google-review-status[hidden] { display: none; }
.google-review-status.is-unavailable { border-color: rgba(207,52,68,.2); background: var(--red-100); color: #536675; }
.footer-reviews .google-review-status { border-color: rgba(255,255,255,.18); background: rgba(255,255,255,.06); color: rgba(255,255,255,.69); }
.footer-reviews .google-review-status.is-unavailable { border-color: rgba(255,171,178,.22); background: rgba(207,52,68,.1); color: rgba(255,255,255,.72); }
.google-review-grid { display: grid; }
.google-review-grid[hidden] { display: none; }
.footer-review-rail { grid-auto-columns: minmax(310px, 36%); grid-auto-flow: column; gap: 14px; overflow-x: auto; padding: 1px 1px 15px; scroll-behavior: smooth; scroll-snap-type: inline mandatory; scrollbar-color: rgba(255,255,255,.24) transparent; scrollbar-width: thin; }
.footer-review-rail:focus-visible { outline: 2px solid #ffabb2; outline-offset: 5px; }
.google-review-card { display: flex; min-width: 0; min-height: 280px; flex-direction: column; border: 1px solid rgba(11,43,75,.1); border-radius: 20px; background: #fff; padding: 19px; box-shadow: 0 8px 22px rgba(2,14,28,.14); scroll-snap-align: start; }
.google-review-card-header { display: flex; min-width: 0; align-items: center; justify-content: space-between; gap: 9px; }
.google-review-author { display: flex; min-width: 0; align-items: center; gap: 10px; }
a.google-review-author:hover strong { color: var(--red-600); }
.google-review-avatar { position: relative; display: grid; width: 39px; height: 39px; flex: 0 0 39px; place-items: center; overflow: hidden; border-radius: 50%; background: var(--sand-strong); color: var(--navy-800); font-size: .83rem; font-weight: 800; }
.google-review-avatar img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.google-review-author-meta { display: block; min-width: 0; }
.google-review-author-meta strong, .google-review-author-meta time { display: block; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.google-review-author-meta strong { color: var(--navy-900); font-family: "Plus Jakarta Sans", sans-serif; font-size: .72rem; letter-spacing: 0; }
.google-review-author-meta time { margin-top: 2px; color: #81909d; font-size: .61rem; }
.google-review-source { flex: 0 0 auto; color: #4285f4; font-family: Arial, sans-serif; font-size: .68rem; font-weight: 700; }
.google-review-stars { margin-top: 17px; color: #f4aa00; font-size: .88rem; letter-spacing: .08em; }
.google-review-text { margin: 11px 0 20px; color: #536675; font-size: .72rem; line-height: 1.65; }
.google-review-card-footer { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 8px 12px; margin-top: auto; border-top: 1px solid var(--line); padding-top: 13px; }
.google-review-card-footer a { color: var(--navy-800); font-size: .61rem; font-weight: 700; text-decoration: underline; text-underline-offset: 3px; }
.google-review-card-footer a:last-child:not(:first-child) { color: #7f8d99; font-weight: 500; }
.footer-review-lower { display: flex; align-items: flex-start; justify-content: space-between; gap: 28px; }
.google-review-attribution { display: flex; flex-wrap: wrap; align-items: center; gap: 5px 9px; margin-top: 14px; color: rgba(255,255,255,.51); font-size: .64rem; line-height: 1.45; }
.google-maps-attribution { color: #3c4043; font-family: Roboto, Arial, sans-serif; font-size: 13px; font-weight: 500; white-space: nowrap; }
.footer-reviews .google-maps-attribution { color: white; }
[data-google-third-party-attributions]:empty { display: none; }
[data-google-third-party-attributions] a { margin-left: 4px; text-decoration: underline; }
.google-review-policy { margin: 7px 0 0; color: rgba(255,255,255,.39); font-size: .61rem; line-height: 1.5; }
.footer-review-controls { display: flex; flex: 0 0 auto; gap: 8px; padding-top: 11px; }
.footer-review-controls[hidden] { display: none; }
.footer-review-controls button { display: grid; width: 43px; height: 43px; place-items: center; border: 1px solid rgba(255,255,255,.2); border-radius: 50%; background: rgba(255,255,255,.07); color: white; cursor: pointer; font-size: 1.05rem; transition: 160ms ease; }
.footer-review-controls button:hover { transform: translateY(-1px); border-color: rgba(255,255,255,.5); background: rgba(255,255,255,.13); }
.footer-review-controls button:focus-visible { outline: 2px solid #ffabb2; outline-offset: 3px; }
.google-review-eligibility { margin: 9px 0 0; color: rgba(255,255,255,.38); font-size: .64rem; line-height: 1.5; }
.process-timeline { position: relative; max-width: 980px; margin: 10px auto 0; padding: 10px 0; }
.process-timeline::before {
  position: absolute;
  top: 88px;
  bottom: 88px;
  left: 50%;
  width: 2px;
  transform: translateX(-50%);
  background: linear-gradient(to bottom, var(--red-500), var(--navy-800) 48%, rgba(11,43,75,.16));
  content: "";
}
.process-timeline-step {
  position: relative;
  display: grid;
  min-height: 176px;
  grid-template-columns: minmax(0, 1fr) 94px minmax(0, 1fr);
  align-items: center;
}
.process-timeline-card {
  grid-column: 1;
  grid-row: 1;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  background: rgba(255,255,255,.94);
  padding: 27px 30px;
  box-shadow: 0 10px 28px rgba(7,29,52,.055);
}
.step-right .process-timeline-card { grid-column: 3; }
.process-number {
  z-index: 2;
  display: grid;
  width: 58px;
  height: 58px;
  grid-column: 2;
  grid-row: 1;
  place-items: center;
  justify-self: center;
  border: 1px solid rgba(255,255,255,.32);
  border-radius: 16px;
  background: linear-gradient(145deg, var(--navy-800), #452e57);
  box-shadow: 0 12px 25px rgba(11,43,75,.2);
  color: white;
  font-family: "Fraunces", Georgia, serif;
  font-size: 1.12rem;
  font-weight: 600;
}
.process-timeline-card h3 { margin-bottom: 11px; font-size: 1.3rem; }
.process-timeline-card p { margin: 0; color: var(--muted); font-size: .9rem; }
.process-note { display: flex; align-items: center; justify-content: center; gap: 13px; margin-top: 30px; color: var(--muted); font-size: .9rem; text-align: center; }
.process-note strong { color: var(--navy-900); }

.broker-feature { background: linear-gradient(135deg, #f8f5ef, #eef3f1); }
.broker-layout { grid-template-columns: 1.05fr .85fr; }
.portrait-card { position: relative; overflow: hidden; border-radius: var(--radius-lg); background: var(--navy-900); box-shadow: var(--shadow-lg); }
.portrait-card img { width: 100%; aspect-ratio: 4 / 4.7; object-fit: cover; object-position: center 18%; }
.portrait-card > div { position: absolute; right: 18px; bottom: 18px; left: 18px; border: 1px solid rgba(255,255,255,.18); border-radius: 17px; background: rgba(7,29,52,.78); color: white; padding: 16px 18px; backdrop-filter: blur(10px); }
.portrait-card strong, .portrait-card span { display: block; }
.portrait-card strong { font-family: "Fraunces", Georgia, serif; font-size: 1.25rem; }
.portrait-card span { color: rgba(255,255,255,.72); font-size: .76rem; }
.portrait-large img { aspect-ratio: 4 / 5.2; }

.faq-preview-layout { display: grid; grid-template-columns: .78fr 1.22fr; align-items: start; gap: clamp(42px, 7vw, 90px); }
.faq-item { overflow: hidden; border-bottom: 1px solid var(--line); background: transparent; }
.faq-item:first-child { border-top: 1px solid var(--line); }
.faq-item summary { display: flex; min-height: 78px; align-items: center; justify-content: space-between; gap: 20px; cursor: pointer; list-style: none; color: var(--navy-950); font-weight: 700; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary i { display: grid; width: 34px; height: 34px; flex: 0 0 auto; place-items: center; border-radius: 50%; background: var(--red-100); color: var(--red-600); font-size: 1.15rem; font-style: normal; transition: transform 180ms ease; }
.faq-item[open] summary i { transform: rotate(45deg); }
.faq-item > div { padding: 0 55px 23px 0; }
.faq-item p { margin: 0; color: var(--muted); font-size: .93rem; }

.page-hero { overflow: hidden; background: var(--sand); padding: clamp(55px, 8vw, 96px) 0; }
.page-hero-grid { display: grid; grid-template-columns: 1.08fr .92fr; align-items: center; gap: clamp(40px, 7vw, 88px); }
.page-hero-copy h1 { max-width: 760px; margin-bottom: 24px; font-size: clamp(3.2rem, 6vw, 5.4rem); }
.page-hero-copy p { max-width: 660px; margin: 0; color: var(--muted); font-size: 1.08rem; }
.page-hero-image { position: relative; overflow: hidden; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); }
.page-hero-image::before { position: absolute; inset: 16px; z-index: 1; border: 1px solid rgba(255,255,255,.55); border-radius: calc(var(--radius-lg) - 10px); content: ""; pointer-events: none; }
.page-hero-image img { width: 100%; aspect-ratio: 1 / .9; object-fit: cover; }

.cta-band { background: var(--navy-950); color: white; padding: clamp(67px, 8vw, 95px) 0; }
.cta-band-inner { display: grid; grid-template-columns: .78fr 1.22fr; align-items: start; gap: clamp(48px, 7vw, 92px); }
.cta-band h2 { max-width: 650px; margin-bottom: 14px; color: white; }
.cta-band-copy > p { max-width: 520px; margin: 0; color: rgba(255,255,255,.7); }
.cta-band .eyebrow { color: #ffabb2; }
.cta-phone-link { display: inline-flex; align-items: center; gap: 8px; margin-top: 27px; color: white; font-size: .84rem; }
.cta-phone-link svg { width: 18px; }
.cta-phone-link span { color: rgba(255,255,255,.62); }
.cta-phone-link strong { font-weight: 700; }
.quick-consultation-form { display: grid; gap: 17px; border: 1px solid rgba(255,255,255,.2); border-radius: var(--radius-lg); background: white; color: var(--ink); padding: clamp(25px, 3.5vw, 38px); box-shadow: 0 24px 60px rgba(0,0,0,.22); }
.quick-form-heading { display: flex; align-items: baseline; justify-content: space-between; gap: 20px; border-bottom: 1px solid var(--line); padding-bottom: 17px; }
.quick-form-heading strong { color: var(--navy-950); font-family: "Fraunces", Georgia, serif; font-size: 1.65rem; line-height: 1.15; }
.quick-form-heading span { color: var(--muted); font-size: .72rem; font-weight: 600; }
.quick-form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 15px; }
.quick-consultation-form label { display: grid; gap: 6px; color: #3d5364; font-size: .75rem; font-weight: 700; }
.quick-consultation-form input, .quick-consultation-form select { width: 100%; min-width: 0; border: 1px solid rgba(11,43,75,.17); border-radius: 11px; outline: none; background: #fff; color: var(--ink); padding: 12px 13px; transition: border 160ms ease, box-shadow 160ms ease; }
.quick-consultation-form input:focus, .quick-consultation-form select:focus { border-color: var(--red-500); box-shadow: 0 0 0 3px rgba(223,70,83,.12); }
.quick-form-actions { display: flex; align-items: center; gap: 17px; }
.quick-form-actions .button { flex: 0 0 auto; }
.quick-form-actions p { max-width: 205px; margin: 0; color: var(--muted); font-size: .65rem; line-height: 1.5; }

.service-detail-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.service-detail { overflow: hidden; border: 1px solid var(--line); border-radius: var(--radius-md); background: var(--cream); }
.service-detail summary { display: grid; min-height: 175px; grid-template-columns: 150px 1fr auto; align-items: center; gap: 22px; cursor: pointer; list-style: none; padding: 18px; }
.service-detail summary::-webkit-details-marker { display: none; }
.service-detail summary > img { width: 150px; height: 138px; border-radius: 15px; object-fit: cover; }
.service-detail-title small, .service-detail-title strong, .service-detail-title em { display: block; }
.service-detail-title small { margin-bottom: 7px; color: var(--red-500); font-size: .7rem; font-weight: 700; letter-spacing: .12em; }
.service-detail-title strong { color: var(--navy-950); font-family: "Fraunces", Georgia, serif; font-size: 1.35rem; line-height: 1.15; }
.service-detail-title em { margin-top: 9px; color: var(--muted); font-size: .79rem; font-style: normal; }
.service-detail summary > i { display: grid; width: 34px; height: 34px; place-items: center; border-radius: 50%; background: white; color: var(--red-500); font-style: normal; transition: transform 180ms ease; }
.service-detail[open] { background: white; box-shadow: var(--shadow-sm); }
.service-detail[open] summary > i { transform: rotate(45deg); }
.service-detail-body { border-top: 1px solid var(--line); padding: 5px 28px 27px; }
.service-detail-body .check-list { margin-bottom: 24px; }

.value-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.value-grid article { border: 1px solid var(--line); border-radius: var(--radius-md); background: white; padding: 28px; }
.value-grid article > span { display: grid; width: 45px; height: 45px; place-items: center; margin-bottom: 35px; border-radius: 14px; background: var(--red-100); color: var(--red-500); }
.value-grid svg { width: 21px; height: 21px; }
.value-grid h3 { margin-bottom: 10px; }
.value-grid p { margin: 0; color: var(--muted); font-size: .87rem; }
.location-panel { display: grid; grid-template-columns: .8fr 1.2fr; align-items: center; gap: 65px; }
.location-panel > div { padding-left: clamp(0px, 5vw, 60px); }
.location-panel img { width: 100%; max-height: 530px; border-radius: var(--radius-lg); object-fit: cover; box-shadow: var(--shadow-lg); }

.health-page { background: #f7f1e9; }
.health-hero { padding: clamp(82px, 11vw, 145px) 0 clamp(66px, 9vw, 110px); text-align: center; }
.health-hero-inner { max-width: 850px; }
.health-hero h1 { margin-bottom: 22px; }
.health-hero p { max-width: 670px; margin: 0 auto 28px; color: var(--muted); font-size: 1.08rem; }
.health-signals { display: flex; flex-wrap: wrap; justify-content: center; gap: 13px 24px; margin-bottom: 31px; color: #475f70; font-size: .84rem; font-weight: 600; }
.health-signals span { display: inline-flex; align-items: center; gap: 7px; }
.health-signals svg { width: 17px; color: var(--red-500); }
.health-indicative-note { max-width: 720px !important; margin: -5px auto 27px !important; border: 1px solid rgba(11,43,75,.1); border-radius: 14px; background: rgba(255,255,255,.62); color: #607483 !important; padding: 14px 18px; font-size: .76rem !important; line-height: 1.55; }
.health-indicative-note strong { color: var(--navy-900); }
.health-layout { display: grid; grid-template-columns: .72fr 1.28fr; align-items: start; gap: clamp(40px, 7vw, 85px); }
.health-aside { position: sticky; top: 120px; }
.health-aside h2 { font-size: clamp(2.1rem, 3.5vw, 3.3rem); }
.soft-note { margin-top: 35px; border-left: 3px solid var(--red-500); border-radius: 0 15px 15px 0; background: rgba(255,255,255,.66); padding: 20px 22px; }
.soft-note strong { color: var(--navy-900); }
.soft-note p { margin: 5px 0 0; color: var(--muted); font-size: .86rem; }

.styled-form { display: grid; gap: 20px; border: 1px solid var(--line); border-radius: var(--radius-lg); background: white; padding: clamp(25px, 4vw, 44px); box-shadow: var(--shadow-sm); }
.form-heading { margin-bottom: 4px; }
.form-heading > span { display: block; color: var(--navy-950); font-family: "Fraunces", Georgia, serif; font-size: 2rem; font-weight: 600; line-height: 1.15; }
.form-heading p { margin: 8px 0 0; color: var(--muted); font-size: .86rem; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.styled-form label, .calculator-form label { display: grid; gap: 7px; color: #3d5364; font-size: .79rem; font-weight: 700; }
.styled-form label > span em { color: var(--muted); font-size: .72rem; font-style: normal; font-weight: 500; }
.styled-form input:not([type="checkbox"]):not([type="range"]), .styled-form select, .styled-form textarea,
.calculator-form input, .calculator-form select { width: 100%; border: 1px solid rgba(11,43,75,.17); border-radius: 12px; outline: none; background: #fff; color: var(--ink); padding: 13px 14px; transition: border 160ms ease, box-shadow 160ms ease; }
.styled-form textarea { resize: vertical; }
.styled-form input:focus, .styled-form select:focus, .styled-form textarea:focus, .calculator-form input:focus { border-color: var(--red-500); box-shadow: 0 0 0 3px rgba(223,70,83,.12); }
.input-suffix { position: relative; }
.input-suffix input { padding-right: 55px !important; }
.input-suffix > span { position: absolute; top: 50%; right: 14px; transform: translateY(-50%); color: var(--muted); font-size: .78rem; font-weight: 600; }
.consent-row { display: flex !important; grid-template-columns: auto 1fr; align-items: flex-start; gap: 10px !important; font-weight: 500 !important; }
.consent-row input { width: 18px; height: 18px; flex: 0 0 auto; margin-top: 2px; accent-color: var(--red-500); }
.form-note { margin: -4px 0 0; color: var(--muted); font-size: .7rem; }
.form-status { border-left: 3px solid var(--red-500); border-radius: 0 13px 13px 0; outline: none; background: var(--red-100); color: #4d5f6e; padding: 14px 16px; font-size: .82rem; }
.form-status strong { display: block; margin-bottom: 3px; color: var(--navy-900); }
.form-status a { color: var(--red-600); font-weight: 700; text-decoration: underline; text-underline-offset: 2px; }
.form-status[hidden] { display: none; }
.range-field > span { display: flex; justify-content: space-between; gap: 20px; }
.range-field strong { color: var(--navy-900); font-family: "Fraunces", Georgia, serif; font-size: 1.2rem; }
.range-field input { width: 100%; accent-color: var(--red-500); }
.range-field small { display: flex; justify-content: space-between; color: var(--muted); }
.range-field small i { font-style: normal; }

.faq-page-layout { display: grid; grid-template-columns: .62fr 1.38fr; align-items: start; gap: clamp(45px, 8vw, 100px); }
.faq-aside { position: sticky; top: 120px; border-radius: var(--radius-lg); background: var(--navy-950); color: white; padding: 38px; }
.faq-aside h2 { margin-bottom: 14px; color: white; }
.faq-aside p { color: rgba(255,255,255,.7); }
.faq-aside .eyebrow { color: #ffabb2; }
.faq-aside .button { width: 100%; margin-top: 13px; }
.faq-phone { display: flex; align-items: center; justify-content: center; gap: 9px; margin-top: 19px; color: white; font-size: .86rem; font-weight: 700; }
.faq-phone svg { width: 17px; }

.contact-layout { display: grid; grid-template-columns: 1.25fr .75fr; align-items: start; gap: clamp(36px, 6vw, 78px); }
.contact-aside { border-radius: var(--radius-lg); background: var(--sand); padding: 38px; }
.contact-aside h2 { font-size: clamp(2.1rem, 3.4vw, 3.3rem); }
.contact-aside > p { color: var(--muted); }
.contact-card { border-top: 1px solid var(--line); padding: 18px 0; }
.contact-card small, .contact-card a, .contact-card span { display: block; }
.contact-card small { margin-bottom: 4px; color: var(--red-600); font-size: .66rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; }
.contact-card a, .contact-card span { color: var(--navy-900); font-size: .88rem; font-weight: 600; word-break: break-word; }
.social-row { display: flex; gap: 10px; margin-top: 20px; }
.social-row a { flex: 1; border: 1px solid var(--line); border-radius: 999px; background: white; padding: 10px 12px; color: var(--navy-900); font-size: .77rem; font-weight: 700; text-align: center; }

.calculator-layout { width: min(calc(100% - 40px), 1320px); max-width: 1320px; }
.calculator-tabs { display: flex; gap: 8px; overflow-x: auto; margin-bottom: 25px; padding-bottom: 4px; }
.calculator-tab { flex: 0 0 auto; border: 1px solid var(--line); border-radius: 999px; background: white; padding: 11px 18px; color: var(--muted); cursor: pointer; font-size: .78rem; font-weight: 700; }
.calculator-tab.active { border-color: var(--navy-900); background: var(--navy-900); color: white; }
.calculator-panel { display: none; grid-template-columns: 1.05fr .95fr; overflow: hidden; border: 1px solid var(--line); border-radius: var(--radius-lg); background: var(--sand); }
.calculator-panel.active { display: grid; }
.calculator-form { padding: clamp(28px, 5vw, 52px); }
.calculator-form h2 { margin-bottom: 29px; font-size: clamp(2.1rem, 3.7vw, 3.5rem); }
.calculator-results { display: flex; flex-direction: column; justify-content: center; background: var(--navy-950); color: white; padding: clamp(30px, 5vw, 52px); }
.calculator-results > small { color: rgba(255,255,255,.62); }
.calculator-results > strong { display: block; margin: 6px 0 0; color: white; font-family: "Fraunces", Georgia, serif; font-size: clamp(3rem, 6vw, 5rem); line-height: 1; }
.calculator-results > span { color: rgba(255,255,255,.62); font-size: .78rem; }
.calculator-results > p { margin: 28px 0 0; color: rgba(255,255,255,.55); font-size: .7rem; }
.calculator-results .button { width: fit-content; margin-top: 24px; }
.result-grid { display: grid; grid-template-columns: 1fr; gap: 12px; margin-top: 30px; }
.result-grid div { display: flex; align-items: center; justify-content: space-between; gap: 15px; border-top: 1px solid rgba(255,255,255,.14); padding-top: 12px; }
.result-grid small { color: rgba(255,255,255,.6); }
.result-grid b { font-size: .88rem; }
.calculator-panel.calculator-dashboard { grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: 24px; overflow: visible; border: 0; background: #f4f4f2; padding: 24px; }
.calculator-input-card, .calculator-output { border: 1px solid rgba(11,43,75,.07); border-radius: var(--radius-lg); background: rgba(255,255,255,.72); box-shadow: var(--shadow-sm); }
.calculator-input-card { padding: clamp(26px, 3.4vw, 38px); }
.calculator-input-card h2 { margin-bottom: 27px; font-size: 1.45rem; }
.calculator-fields { display: grid; gap: 21px; }
.calculator-field-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 16px; }
.calculator-field, .calculator-input-card label { display: grid; align-content: start; gap: 7px; color: #3d5364; font-size: .79rem; font-weight: 700; }
.calculator-input-card [hidden] { display: none !important; }
.calculator-input-card input, .calculator-input-card select { min-width: 0; }
.calculator-section { display: grid; gap: 17px; border-top: 1px solid var(--line); padding-top: 22px; }
.calculator-section > strong { color: #6f8290; font-size: .77rem; letter-spacing: .1em; text-transform: uppercase; }
.calculator-section .calculator-field-grid + .calculator-field-grid { margin-top: 0; }
.input-prefix { position: relative; }
.input-prefix input { padding-left: 37px !important; }
.input-prefix > span { position: absolute; top: 50%; left: 14px; z-index: 1; transform: translateY(-50%); color: #7890a2; font-size: .9rem; font-weight: 500; }
.segmented-control { display: inline-flex; width: fit-content; border: 1px solid rgba(11,43,75,.12); border-radius: 12px; background: #eef0f1; padding: 4px; }
.segmented-control button { min-width: 58px; border: 0; border-radius: 9px; background: transparent; color: #718497; cursor: pointer; padding: 8px 14px; font: inherit; font-weight: 700; transition: background 160ms ease, color 160ms ease, box-shadow 160ms ease; }
.segmented-control button.active { background: white; color: var(--red-600); box-shadow: 0 2px 8px rgba(12,35,60,.08); }
.calculator-output { display: grid; align-content: start; gap: 19px; background: linear-gradient(145deg, rgba(255,255,255,.87), rgba(236,237,237,.76)); padding: clamp(26px, 3.4vw, 38px); }
.calculator-summary-grid { display: grid; grid-template-columns: minmax(0, 1.08fr) minmax(0, .92fr); gap: 16px; }
.calculator-metric { border-radius: 19px; padding: 24px 27px; }
.calculator-metric small, .calculator-metric span { display: block; }
.calculator-metric small { margin-bottom: 7px; font-size: .84rem; }
.calculator-metric strong { display: block; font-family: "Fraunces", Georgia, serif; font-size: clamp(2.6rem, 4.4vw, 4.25rem); line-height: .98; letter-spacing: -.035em; }
.calculator-metric span { margin-top: 6px; font-size: .72rem; }
.calculator-metric-primary { background: var(--navy-950); color: white; }
.calculator-metric-primary small, .calculator-metric-primary span { color: rgba(255,255,255,.62); }
.calculator-metric-primary strong { color: white; }
.calculator-summary-grid .calculator-metric-primary strong { font-size: clamp(2.15rem, 2.8vw, 2.7rem); letter-spacing: -.055em; white-space: nowrap; }
.calculator-metric-secondary { display: flex; min-width: 0; flex-direction: column; justify-content: center; background: rgba(255,255,255,.82); color: var(--navy-950); box-shadow: var(--shadow-sm); }
.calculator-metric-secondary small { color: #798a9c; }
.calculator-metric-secondary strong { font-size: clamp(2rem, 3vw, 2.85rem); }
.calculator-metric-secondary span { color: #7a8da3; line-height: 1.45; }
.calculator-metric-secondary span b { color: #637995; }
.calculator-stat-list { border-radius: 19px; background: rgba(255,255,255,.84); padding: 19px 25px; box-shadow: var(--shadow-sm); }
.calculator-stat-list > div { display: flex; align-items: center; justify-content: space-between; gap: 20px; border-bottom: 1px solid var(--line); padding: 11px 0; }
.calculator-stat-list > div:last-child { border-bottom: 0; }
.calculator-stat-list span { color: #75889a; font-size: .83rem; }
.calculator-stat-list strong { color: var(--navy-950); font-size: .9rem; }
.calculator-chart-card { overflow: hidden; border-radius: 19px; background: rgba(255,255,255,.82); padding: 22px 22px 14px; box-shadow: var(--shadow-sm); }
.calculator-chart-card h3 { margin-bottom: 7px; font-family: "Plus Jakarta Sans", sans-serif; font-size: .88rem; }
.loan-chart { display: block; width: 100%; height: auto; min-height: 220px; }
.calculator-disclaimer { margin: 2px 0 0; color: #7a8da3; font-size: .7rem; line-height: 1.6; }
.simple-tool { grid-template-columns: 1fr .8fr; background: var(--sand); }
.simple-tool > div { align-self: center; padding: clamp(34px, 6vw, 65px); }
.simple-tool h2 { font-size: clamp(2.3rem, 4vw, 3.8rem); }
.simple-tool p { color: var(--muted); }
.simple-tool img { width: 100%; height: 100%; min-height: 470px; object-fit: cover; }

.thank-you-page { background: #f7f1e9; }
.thank-you { position: relative; display: grid; min-height: calc(100svh - 88px); place-items: center; overflow: hidden; padding: clamp(65px, 8vw, 105px) 0; text-align: left; }
.thank-you::before, .thank-you::after { position: absolute; border-radius: 50%; content: ""; pointer-events: none; filter: blur(2px); }
.thank-you::before { top: -220px; right: -110px; width: 520px; height: 520px; background: radial-gradient(circle, rgba(223,70,83,.16), rgba(223,70,83,0) 69%); }
.thank-you::after { bottom: -260px; left: -140px; width: 600px; height: 600px; background: radial-gradient(circle, rgba(40,102,148,.13), rgba(40,102,148,0) 70%); }
.thank-you-shell { position: relative; z-index: 1; max-width: 1120px; }
.thank-you-preview { margin: 0 auto 17px; border: 1px solid rgba(223,70,83,.2); border-radius: 14px; background: rgba(255,255,255,.82); color: var(--muted); padding: 13px 17px; font-size: .78rem; text-align: center; }
.thank-you-preview strong { color: var(--red-600); }
.thank-you-card { display: grid; grid-template-columns: minmax(0, 1.12fr) minmax(330px, .88fr); overflow: hidden; border: 1px solid rgba(11,43,75,.09); border-radius: 34px; background: rgba(255,255,255,.92); box-shadow: 0 30px 80px rgba(7,29,52,.14); }
.thank-you-copy { padding: clamp(38px, 6vw, 72px); }
.thank-you-copy .success-icon { margin: 0 0 27px; }
.thank-you h1 { max-width: 650px; margin: 15px 0 22px; font-size: clamp(3rem, 5.6vw, 5.25rem); }
.thank-you-lead { max-width: 650px; margin-bottom: 31px; color: var(--muted); font-size: 1rem; line-height: 1.75; }
.thank-you-next { border-top: 1px solid var(--line); padding-top: 25px; }
.thank-you-next > strong { color: var(--navy-950); font-family: "Fraunces", Georgia, serif; font-size: 1.18rem; }
.thank-you-next ol { display: grid; gap: 13px; margin: 18px 0 0; padding: 0; list-style: none; }
.thank-you-next li { display: grid; grid-template-columns: 38px minmax(0, 1fr); align-items: start; gap: 13px; }
.thank-you-next li > span { display: grid; width: 34px; height: 34px; place-items: center; border-radius: 11px; background: var(--red-100); color: var(--red-600); font-size: .67rem; font-weight: 700; letter-spacing: .04em; }
.thank-you-next b, .thank-you-next small { display: block; }
.thank-you-next b { color: var(--navy-900); font-size: .84rem; }
.thank-you-next small { margin-top: 1px; color: var(--muted); font-size: .72rem; line-height: 1.5; }
.thank-you .hero-actions { margin-top: 31px; }
.thank-you-personal { display: grid; min-width: 0; grid-template-rows: minmax(330px, 1fr) auto; background: var(--navy-950); }
.thank-you-personal > img { width: 100%; height: 100%; min-height: 330px; object-fit: cover; object-position: center 18%; }
.thank-you-personal-note { border-top: 1px solid rgba(255,255,255,.12); background: linear-gradient(145deg, var(--navy-900), var(--navy-950)); color: rgba(255,255,255,.72); padding: 32px 34px 35px; }
.thank-you-personal-note span, .thank-you-personal-note strong { display: block; }
.thank-you-personal-note span { margin-bottom: 8px; color: #ffabb2; font-size: .67rem; font-weight: 700; letter-spacing: .13em; text-transform: uppercase; }
.thank-you-personal-note strong { color: white; font-family: "Fraunces", Georgia, serif; font-size: 1.58rem; line-height: 1.12; }
.thank-you-personal-note p { margin: 12px 0 0; color: rgba(255,255,255,.64); font-size: .78rem; line-height: 1.6; }
.thank-you-footer-note { margin: 22px 0 0; color: var(--muted); font-size: .78rem; text-align: center; }
.thank-you-footer-note a { color: var(--navy-900); font-weight: 700; }
.success-icon { display: grid; width: 72px; height: 72px; place-items: center; margin: 0 auto 25px; border-radius: 50%; background: var(--red-100); color: var(--red-500); }
.success-icon svg { width: 35px; }

.legal-hero { background: radial-gradient(circle at 85% 0%, rgba(223,70,83,.11), transparent 34%), linear-gradient(145deg, #f8f4ef, #edf1f3); padding: clamp(70px, 9vw, 118px) 0; }
.legal-hero-inner { max-width: 900px; }
.legal-hero h1 { margin: 5px 0 19px; font-size: clamp(3.3rem, 6vw, 5.8rem); }
.legal-hero p { max-width: 700px; color: var(--muted); font-size: 1.05rem; }
.legal-hero small { display: block; margin-top: 26px; color: #7b8995; font-size: .72rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; }
.legal-shell { max-width: 900px; }
.legal-intro { border: 1px solid rgba(11,43,75,.09); border-radius: 22px; background: var(--sand); padding: clamp(25px, 4vw, 37px); }
.legal-intro strong { display: block; margin-bottom: 8px; color: var(--navy-900); font-family: "Fraunces", Georgia, serif; font-size: 1.3rem; }
.legal-intro p { margin: 0; }
.legal-shell > section { border-top: 1px solid var(--line); padding: 31px 0 7px; }
.legal-shell > section:first-of-type { margin-top: 38px; }
.legal-shell h2 { margin-bottom: 13px; font-family: "Plus Jakarta Sans", sans-serif; font-size: 1.22rem; letter-spacing: -.01em; }
.legal-shell p { color: #536675; font-size: .9rem; line-height: 1.78; }
.legal-shell a { color: var(--red-600); font-weight: 700; text-decoration: underline; text-underline-offset: 3px; }

.site-footer { background: var(--navy-950); color: rgba(255,255,255,.72); }
.footer-main { display: grid; grid-template-columns: 1.45fr .8fr .8fr 1fr; gap: 44px; padding: 70px 0 52px; }
.footer-brand-lockup {
  display: inline-flex;
  align-items: center;
  gap: 15px;
  border: 1px solid rgba(255,255,255,.15);
  border-radius: 18px;
  background: rgba(255,255,255,.06);
  padding: 11px 18px 11px 11px;
  box-shadow: 0 12px 30px rgba(0,0,0,.13);
}
.footer-logo-mark { display: block; width: 102px; height: 61px; flex: 0 0 auto; overflow: hidden; border-radius: 11px; background: white; }
.footer-logo-mark img { width: 102px; height: auto; transform: translateY(-1px); }
.footer-brand-copy { display: grid; line-height: 1; }
.footer-brand-copy strong { color: white; font-family: "Fraunces", Georgia, serif; font-size: 1.28rem; font-weight: 600; letter-spacing: -.01em; }
.footer-brand-copy small { margin-top: 7px; color: #ffabb2; font-size: .62rem; font-weight: 700; letter-spacing: .15em; text-transform: uppercase; }
.footer-brand p { max-width: 390px; margin: 21px 0; font-size: .92rem; }
.footer-contact { display: flex; flex-wrap: wrap; gap: 12px 20px; color: white; font-size: .86rem; font-weight: 600; }
.footer-column h3 { margin-bottom: 19px; color: white; font-family: "Plus Jakarta Sans", sans-serif; font-size: .82rem; letter-spacing: .1em; text-transform: uppercase; }
.footer-column a { display: block; width: fit-content; margin: 10px 0; font-size: .88rem; }
.footer-column a:hover { color: white; }
.footer-column span { display: block; font-size: .82rem; }
.footer-legal { border-top: 1px solid rgba(255,255,255,.12); padding: 22px 0 28px; }
.footer-legal p { margin: 0; font-size: .72rem; line-height: 1.65; }
.footer-legal-row { display: flex; align-items: flex-start; justify-content: space-between; gap: 28px; }
.footer-legal-row p:first-child { max-width: 880px; }
.footer-bottom { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px; margin-top: 13px; color: rgba(255,255,255,.55); }

.reveal { animation: reveal .65s ease both; }
@keyframes reveal { from { opacity: 0; transform: translateY(16px); } to { opacity: 1; transform: translateY(0); } }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; } }

@media (max-width: 1050px) {
  .desktop-nav { gap: 11px; }
  .desktop-nav > a:not(.button) { font-size: .83rem; }
  .desktop-nav .button { padding-inline: 18px; font-size: .85rem; }
  .header-phone { display: none; }
  .service-grid { grid-template-columns: repeat(2, 1fr); }
  .value-grid { grid-template-columns: repeat(2, 1fr); }
  .service-detail summary { grid-template-columns: 120px 1fr auto; }
  .service-detail summary > img { width: 120px; height: 125px; }
  .footer-main { grid-template-columns: 1.5fr 1fr 1fr; }
  .footer-column:last-child { grid-column: 2 / -1; }
}
@media (max-width: 840px) {
  .desktop-nav { display: none; }
  .menu-button { display: inline-flex; }
  .mobile-panel {
    position: fixed;
    inset: 82px 0 0;
    z-index: 99;
    display: flex;
    transform: translateX(100%);
    flex-direction: column;
    gap: 4px;
    background: var(--cream);
    padding: 30px 22px;
    transition: transform 220ms ease;
  }
  .mobile-panel.open { transform: translateX(0); }
  .mobile-panel a { border-bottom: 1px solid var(--line); padding: 15px 4px; font-size: 1.05rem; font-weight: 600; }
  .mobile-panel a.nav-health-check { margin: 7px 0; border: 1px solid rgba(207,52,68,.2); border-radius: 14px; background: var(--red-100); color: var(--red-600); padding: 14px 16px; }
  .mobile-panel .button { margin-top: 18px; border: 0; color: white; }
  .hero-grid { min-height: auto; grid-template-columns: 1fr; padding: 65px 0; }
  .hero-copy { max-width: 720px; }
  .hero-media { height: 520px; border-radius: 130px 28px 28px 28px; }
  .hero-service-strip .container { grid-template-columns: repeat(2, 1fr); }
  .hero-service-strip a { min-height: 64px; padding: 12px 16px; }
  .split-layout, .page-hero-grid, .health-layout, .faq-page-layout, .contact-layout, .location-panel { grid-template-columns: 1fr; }
  .split-media { order: 2; }
  .page-hero { padding-top: 70px; }
  .page-hero-image img { aspect-ratio: 16 / 9; }
  .process-timeline-step { grid-template-columns: minmax(0, 1fr) 82px minmax(0, 1fr); }
  .broker-layout .split-copy { order: 2; }
  .portrait-card { max-width: 600px; margin-inline: auto; }
  .faq-preview-layout { grid-template-columns: 1fr; }
  .footer-reviews-heading { grid-template-columns: 1fr; align-items: start; }
  .footer-reviews-meta { align-items: flex-end; justify-content: space-between; }
  .footer-review-rail { grid-auto-columns: minmax(280px, 68%); }
  .service-detail-grid { grid-template-columns: 1fr; }
  .cta-band-inner { grid-template-columns: 1fr; }
  .quick-consultation-form { width: 100%; }
  .health-aside, .faq-aside { position: static; }
  .faq-aside { max-width: 620px; }
  .location-panel > div { padding-left: 0; }
  .calculator-panel, .simple-tool, .calculator-panel.calculator-dashboard { grid-template-columns: 1fr; }
  .simple-tool img { min-height: 340px; }
  .thank-you-card { grid-template-columns: 1fr; }
  .thank-you-personal { grid-template-columns: minmax(240px, .9fr) minmax(0, 1.1fr); grid-template-rows: 1fr; }
  .thank-you-personal-note { display: flex; justify-content: center; flex-direction: column; border-top: 0; border-left: 1px solid rgba(255,255,255,.12); }
  .footer-main { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
  .footer-column:last-child { grid-column: auto; }
  .footer-legal-row { flex-direction: column; }
}
@media (max-width: 620px) {
  .container { width: min(calc(100% - 28px), var(--container)); }
  .header-inner { min-height: 72px; }
  .brand img { width: auto; height: 50px; }
  .brand-copy strong { font-size: .93rem; }
  .brand-copy small { font-size: .5rem; }
  .mobile-panel { inset: 72px 0 0; }
  .hero-grid { padding: 52px 0 38px; }
  .hero-copy h1 { font-size: clamp(2.85rem, 13vw, 4.15rem); }
  .hero-copy h1 em { margin-top: 7px; }
  .hero-media { height: 420px; border-radius: 95px 22px 22px 22px; }
  .hero-media-note { right: 14px; bottom: 14px; width: 150px; padding: 16px; }
  .hero-actions .button { width: 100%; }
  .hero-trust { gap: 8px; }
  .hero-trust span { width: 100%; }
  .hero-service-strip .container { grid-template-columns: 1fr 1fr; width: 100%; }
  .hero-service-strip a { border-bottom: 1px solid rgba(255,255,255,.12); font-size: .73rem; }
  .hero-service-strip svg { width: 19px; }
  .service-grid { grid-template-columns: 1fr; }
  .service-card { min-height: auto; }
  .footer-reviews-inner { padding-block: 43px 38px; }
  .footer-reviews-heading { gap: 24px; }
  .footer-reviews-copy h2 { font-size: clamp(2rem, 11vw, 2.75rem); }
  .footer-reviews-meta { align-items: flex-start; flex-direction: column; gap: 18px; }
  .footer-review-links { justify-content: flex-start; }
  .footer-review-links a { min-height: 40px; padding-inline: 13px; }
  .footer-review-rail { grid-auto-columns: min(84vw, 330px); }
  .google-review-card { min-height: 0; }
  .footer-review-lower { gap: 18px; }
  .section-footer-actions, .hero-actions { flex-direction: column; }
  .section-footer-actions .button, .hero-actions .button { width: 100%; }
  .quick-form-heading, .quick-form-actions { align-items: flex-start; flex-direction: column; }
  .quick-form-grid { grid-template-columns: 1fr; }
  .quick-form-actions .button { width: 100%; }
  .quick-form-actions p { max-width: none; }
  .process-timeline { padding: 0; }
  .process-timeline::before { top: 29px; bottom: 29px; left: 29px; }
  .process-timeline-step { min-height: auto; grid-template-columns: 58px minmax(0, 1fr); align-items: start; gap: 16px; padding-bottom: 24px; }
  .process-timeline-step:last-child { padding-bottom: 0; }
  .process-timeline-card, .step-right .process-timeline-card { grid-column: 2; grid-row: 1; border-radius: 18px; padding: 22px 20px; }
  .process-number { width: 50px; height: 50px; grid-column: 1; grid-row: 1; margin-top: 7px; border-radius: 14px; font-size: 1rem; }
  .process-note { align-items: flex-start; flex-direction: column; text-align: left; }
  .service-detail summary { grid-template-columns: 1fr auto; }
  .service-detail summary > img { width: 100%; height: 180px; grid-column: 1 / -1; }
  .service-detail-title strong { font-size: 1.23rem; }
  .value-grid { grid-template-columns: 1fr; }
  .value-grid article > span { margin-bottom: 24px; }
  .form-grid { grid-template-columns: 1fr; }
  .styled-form { border-radius: var(--radius-md); padding: 23px 18px; }
  .health-hero { text-align: left; }
  .health-hero p { margin-left: 0; }
  .health-signals { align-items: flex-start; justify-content: flex-start; flex-direction: column; }
  .health-indicative-note { margin-left: 0 !important; text-align: left; }
  .health-hero .button { width: 100%; }
  .faq-aside, .contact-aside { padding: 28px 23px; }
  .calculator-tabs { margin-right: -14px; }
  .calculator-form, .calculator-results, .simple-tool > div { padding: 28px 20px; }
  .calculator-panel.calculator-dashboard { gap: 14px; padding: 12px; }
  .calculator-input-card, .calculator-output { border-radius: 20px; padding: 24px 18px; }
  .calculator-field-grid, .calculator-summary-grid { grid-template-columns: 1fr; }
  .calculator-field-grid.top-fields { grid-template-columns: 1fr 1fr; }
  .calculator-metric { padding: 22px 20px; }
  .calculator-metric strong { font-size: clamp(2.5rem, 13vw, 3.6rem); }
  .calculator-metric-secondary strong { font-size: 2.2rem; }
  .calculator-chart-card { margin-inline: -4px; padding: 18px 10px 10px; }
  .loan-chart { min-height: 185px; }
  .calculator-results > strong { font-size: 3rem; }
  .simple-tool img { min-height: 240px; }
  .thank-you { min-height: auto; padding: 45px 0 58px; }
  .thank-you-card { border-radius: 23px; }
  .thank-you-copy { padding: 35px 23px 38px; }
  .thank-you h1 { font-size: clamp(2.75rem, 13vw, 4rem); }
  .thank-you-personal { grid-template-columns: 1fr; grid-template-rows: 330px auto; }
  .thank-you-personal > img { min-height: 330px; }
  .thank-you-personal-note { border-top: 1px solid rgba(255,255,255,.12); border-left: 0; padding: 28px 24px 30px; }
  .thank-you-footer-note { padding-inline: 15px; }
  .footer-main { grid-template-columns: 1fr; gap: 26px; }
  .footer-brand, .footer-column:last-child { grid-column: auto; }
  .footer-brand-lockup { gap: 12px; padding-right: 14px; }
  .footer-logo-mark { width: 88px; height: 53px; }
  .footer-logo-mark img { width: 88px; }
  .footer-brand-copy strong { font-size: 1.08rem; }
  .footer-brand-copy small { font-size: .53rem; }
}