/*
  Professional Mortgage Solutions Pty Ltd
  Apple-inspired minimal design
*/

:root{
  --brand: rgb(24, 50, 110);
  --accent: rgb(35, 69, 142);
  --accent2: rgb(46, 88, 173);

  --text: #1d1d1f;
  --muted: #6e6e73;
  --bg: #ffffff;
  --soft: #f5f5f7;
  --card: #ffffff;
  --border: #d2d2d7;

  --shadow: 0 4px 24px rgba(0, 0, 0, .08);
  --shadow-sm: 0 2px 12px rgba(0, 0, 0, .06);

  --container: 1200px;
  --radius: 16px;

  /* JS updates this to the actual header height. Fallback keeps layout stable. */
  --header-h: 92px;

}

*{ box-sizing: border-box; }
html{ scroll-behavior: smooth; }

body{
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, 'SF Pro Text', 'SF Pro Display', 'Inter', 'Helvetica Neue', Helvetica, Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  font-feature-settings: 'kern';
  line-height: 1.47059;
  letter-spacing: -0.022em;

  /* Header is fixed — keep content from sitting underneath it */
  padding-top: var(--header-h);
}

/* Mobile safe-area + overflow guard (prevents "cut edges" on some iPhones) */
html, body{ width: 100%; overflow-x: hidden; }
.hidden{ display: none !important; }
p, a, .muted, .micro{ overflow-wrap: anywhere; word-break: break-word; }

a{ color: inherit; text-decoration: none; }
img{ max-width: 100%; display: block; }

.container{
  max-width: var(--container);
  margin: 0 auto;
  /* Mobile-friendly gutter + iOS safe-area support (prevents content touching screen edges) */
  padding-left: calc(20px + env(safe-area-inset-left));
  padding-right: calc(20px + env(safe-area-inset-right));
}

.skipLink{
  position: absolute;
  left: -999px;
  top: 10px;
  background: var(--brand);
  color: #fff;
  padding: 10px 12px;
  border-radius: 10px;
  z-index: 999;
}
.skipLink:focus{ left: 12px; }

.muted{ color: var(--muted); }
.oneLiner{ color: var(--text); font-weight: 700; }
.micro{ font-size: .88rem; }

.srOnly{
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}

/* Subtle reveal (progressive enhancement)
   Default = visible. Only hide/animate when JS enables it (html.js.reveal). */
[data-reveal]{
  opacity: 1;
  transform: none;
}
.js.reveal [data-reveal]{
  opacity: 0;
  transform: translateY(20px);
  transition: opacity .8s cubic-bezier(0.25, 0.46, 0.45, 0.94), transform .8s cubic-bezier(0.25, 0.46, 0.45, 0.94);
}
.js.reveal .is-visible{ opacity: 1; transform: translateY(0); }

/* Buttons */
.btn{
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: 980px;
  background: var(--brand);
  color: #fff;
  border: none;
  box-shadow: none;
  font-weight: 600;
  font-size: .94rem;
  letter-spacing: -0.01em;
  cursor: pointer;
  transition: background .3s cubic-bezier(0.25, 0.1, 0.25, 1), transform .3s cubic-bezier(0.25, 0.1, 0.25, 1), opacity .3s ease;
}
.btn:hover{ background: var(--accent2); transform: scale(1.02); }
.btn:active{ transform: scale(0.98); }
.btn:focus-visible{ outline: 4px solid rgba(24,50,110,.35); outline-offset: 2px; }

.btn--ghost{
  background: transparent;
  color: var(--brand);
  border: 1.5px solid var(--brand);
  box-shadow: none;
}
.btn--ghost:hover{ background: rgba(24,50,110,.06); transform: scale(1.02); }

.btn--small{ padding: 10px 18px; font-size: .88rem; }
.btn--block{ width: 100%; }

.btn__icon{ font-weight: 700; opacity: .95; }

/* Top contact bar */
.topbar{
  background: var(--soft);
  border-bottom: 1px solid var(--border);
}
.topbar__inner{
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  /* Keep horizontal padding from .container for mobile gutters */
  padding-block: 10px;
}
.topbar__left{
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}
.topbar__link{
  display: inline-flex;
  gap: 8px;
  align-items: center;
  font-size: .88rem;
  color: var(--muted);
  transition: color .3s ease;
}
.topbar__link:hover{ color: var(--brand); }
.topbar__icon{ width: 16px; height: 16px; color: var(--muted); }

/* Header */
.header{
  /* Fixed (not sticky) to avoid browser edge-cases where sticky fails */
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 80;
  background: rgba(255,255,255,.72);
  border-bottom: 1px solid rgba(0,0,0,.08);
  box-shadow: none;
  backdrop-filter: saturate(180%) blur(20px);
  -webkit-backdrop-filter: saturate(180%) blur(20px);
  transition: background .3s ease, box-shadow .3s ease;
}
.header__inner{
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  /* Keep horizontal padding from .container for mobile gutters */
  padding-block: 14px;
}
.brand img{ height: clamp(54px, 5.3vw, 78px); width: auto; }

.nav{
  display: flex;
  align-items: center;
  gap: 24px;
}
.nav a{
  color: var(--text);
  font-weight: 500;
  font-size: .88rem;
  transition: color .3s ease, opacity .3s ease;
  opacity: .8;
}
.nav a:hover{ color: var(--brand); opacity: 1; }
.nav a[aria-current="page"]{ color: var(--brand); opacity: 1; }
@media (max-width: 860px){
  .nav a[aria-current="page"]{ background: rgba(24,50,110,.06); }
}

.nav a.btn{ color: #fff; }

.navToggle{
  display: none;
  width: 44px;
  height: 44px;
  border-radius: 12px;
  border: 1px solid var(--border);
  background: rgba(255,255,255,.6);
  backdrop-filter: blur(10px);
  cursor: pointer;
  transition: background .3s ease;
}
.navToggle:hover{ background: var(--soft); }
.navToggle span{
  display: block;
  width: 18px;
  height: 1.5px;
  background: var(--text);
  margin: 4px auto;
  border-radius: 2px;
  transition: transform .3s ease, opacity .3s ease;
}

/* Hero */
.hero{
  position: relative;
  overflow: hidden;
  border-bottom: none;
}

/* Anchor offsets (for in-page links) */
section[id], .calcWrap[id]{
  scroll-margin-top: calc(var(--header-h) + 18px);
}

.hero__media{ position: absolute; inset: 0; }
.hero__media img{
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  transform: scale(1.03);
}
.hero__overlay{
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(0,0,0,.82) 0%, rgba(0,0,0,.65) 48%, rgba(0,0,0,.30) 100%);
}

.hero__grid{
  position: relative;
  /* Keep horizontal padding from .container for mobile gutters */
  padding-block: clamp(64px, 8vw, 110px);
  color: #fff;
  display: grid;
  grid-template-columns: 1.15fr .85fr;
  gap: 24px;
  align-items: start;
}

/* Home hero layout (single column) */
.hero__grid--single{ grid-template-columns: 1fr; }

.eyebrow{
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 600;
  letter-spacing: .06em;
  text-transform: uppercase;
  font-size: .78rem;
  color: rgba(255,255,255,.72);
}

.hero h1{
  margin: 16px 0 14px;
  font-size: clamp(2.4rem, 4.5vw, 3.8rem);
  line-height: 1.06;
  letter-spacing: -0.03em;
  font-weight: 700;
  max-width: 20ch;
}

.lead{
  margin: 0;
  max-width: 60ch;
  color: rgba(255,255,255,.80);
  font-size: clamp(1.06rem, 1.35vw, 1.2rem);
  line-height: 1.58;
  font-weight: 400;
}

.hero__actions{
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-top: 28px;
}
.hero__actions .btn--ghost{
  color: #fff;
  border-color: rgba(255,255,255,.40);
}
.hero__actions .btn--ghost:hover{ background: rgba(255,255,255,.12); }

.hero__chips{
  margin-top: 18px;
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  max-width: 720px;
}

.chip{
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 8px 14px;
  border-radius: 980px;
  border: 1px solid rgba(255,255,255,.20);
  background: rgba(255,255,255,.08);
  backdrop-filter: blur(10px);
  color: rgba(255,255,255,.88);
  font-weight: 500;
  font-size: .88rem;
  white-space: nowrap;
  overflow-wrap: normal;
  word-break: normal;
  transition: background .3s ease, border-color .3s ease;
}

.chip:hover{ background: rgba(255,255,255,.16); border-color: rgba(255,255,255,.35); }

.heroCard{
  align-self: center;
  border-radius: 20px;
  border: 1px solid rgba(255,255,255,.16);
  background: rgba(255,255,255,.08);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  box-shadow: 0 12px 40px rgba(0,0,0,.15);
  padding: 20px;
}

.heroCard__top{
  display: grid;
  grid-template-columns: 64px 1fr;
  gap: 12px;
  align-items: center;
}

.heroCard__img{
  width: 64px;
  height: 64px;
  border-radius: 18px;
  object-fit: cover;
  border: 1px solid rgba(255,255,255,.25);
}

.heroCard__name{ font-weight: 700; font-size: 1.05rem; }
.heroCard__role{ color: rgba(255,255,255,.78); font-weight: 500; font-size: .92rem; }

.heroCard__contact{ margin-top: 14px; display: grid; gap: 10px; }

.miniLink{
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px 14px;
  border-radius: 14px;
  border: 1px solid rgba(255,255,255,.15);
  background: rgba(255,255,255,.06);
  transition: background .3s ease;
}
.miniLink:hover{ background: rgba(255,255,255,.12); }
.miniLink__label{ color: rgba(255,255,255,.65); font-weight: 600; font-size: .85rem; }
.miniLink__value{ color: rgba(255,255,255,.92); font-weight: 600; font-size: .92rem; }

.divider{
  margin: 16px 0;
  height: 1px;
  background: rgba(255,255,255,.18);
}

.miniForm__title{
  font-weight: 700;
  margin-bottom: 10px;
}

input, select, textarea{
  width: 100%;
  padding: 12px 14px;
  border-radius: 12px;
  border: 1px solid var(--border);
  background: #fff;
  color: var(--text);
  outline: none;
  font-family: inherit;
  font-size: .94rem;
  transition: border-color .3s ease, box-shadow .3s ease;
}

.heroCard input{
  border-color: rgba(255,255,255,.18);
  background: rgba(255,255,255,.92);
}

input:focus, select:focus, textarea:focus{
  border-color: var(--brand);
  box-shadow: 0 0 0 4px rgba(24,50,110,.12);
}

.miniForm{ display: grid; gap: 10px; }
.miniNote{ margin: 8px 0 0; font-size: .92rem; color: rgba(255,255,255,.82); }

/* Quick tiles */
.tiles{ padding: 26px 0 0; }
.tiles__grid{
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 14px;
  transform: translateY(-26px);
}
.tile{
  display: flex;
  gap: 14px;
  align-items: center;
  padding: 20px;
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  transition: transform .4s cubic-bezier(0.25, 0.1, 0.25, 1), box-shadow .4s ease;
}
.tile:hover{ transform: translateY(-3px); box-shadow: var(--shadow); }

.tile__iconWrap{
  width: 44px;
  height: 44px;
  border-radius: 12px;
  display: grid;
  place-items: center;
  background: rgba(24,50,110,.08);
  border: none;
  flex: 0 0 auto;
}
.tile__icon{ width: 22px; height: 22px; color: var(--brand); }
.tile__title{ font-weight: 600; }
.tile__text{ color: var(--muted); font-size: .92rem; line-height: 1.5; }

/* Sections */
.section{ padding: 80px 0; }
.section--tight{ padding: 64px 0; }

.section--alt{
  background: var(--soft);
  border-top: none;
  border-bottom: none;
}
.section__head{ max-width: 860px; margin-bottom: 32px; }
.kicker{
  margin: 0 0 8px;
  letter-spacing: .04em;
  text-transform: uppercase;
  color: var(--brand);
  font-weight: 600;
  font-size: .82rem;
}
.section__head h2{
  margin: 0 0 12px;
  font-size: clamp(1.8rem, 2.8vw, 2.6rem);
  line-height: 1.1;
  letter-spacing: -0.025em;
  font-weight: 700;
}

/* Cards & grids */
.card{
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow-sm);
  transition: transform .4s cubic-bezier(0.25, 0.1, 0.25, 1), box-shadow .4s ease;
}
.card:hover{
  transform: translateY(-2px);
  box-shadow: var(--shadow);
}
.card h3{ margin-top: 0; margin-bottom: 12px; font-weight: 600; }

.aboutGrid{
  display: grid;
  grid-template-columns: 1.12fr .88fr;
  gap: 16px;
  /* Prevent the shorter card ("What we do") from stretching to match the taller bio card */
  align-items: start;
}

.aboutStack{
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.profile{
  display: flex;
  flex-direction: column;
  gap: 14px;
  align-items: flex-start;
}
.profile__img{
  /* Square headshot — show full image (incl. logo if present) */
  width: 200px;
  height: 200px;
  border-radius: var(--radius);
  object-fit: contain;
  object-position: center;
  background: var(--soft);
  border: 1px solid var(--border);
}
.profile picture{ width: 200px; }
.profile__meta{ display: grid; gap: 6px; margin: 10px 0 0; }
.profile__meta a{ color: var(--brand); font-weight: 600; }

.inlineContactLink{ color: var(--brand); font-weight: 600; }
.profile__actions{ display: flex; gap: 10px; flex-wrap: wrap; margin-top: 14px; }

.profile__bio{ margin-top: 10px; }
.profile__bio h4{
  margin: 14px 0 6px;
  font-size: 1.05rem;
  line-height: 1.25;
  letter-spacing: -0.01em;
}
.profile__bio p{ margin: 0 0 10px; }
.profile__bio .checklist{ margin-top: 10px; }

/* About Prabhat: keep the card concise with an optional expand */
.more{
  width: 100%;
  margin-top: 12px;
  padding-top: 12px;
  border-top: 1px dashed var(--border);
}
.more > summary{
  cursor: pointer;
  font-weight: 600;
  color: var(--brand);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 8px 0;
  outline: none;
  transition: color .3s ease;
}
.more > summary::-webkit-details-marker{ display: none; }
.more > summary::after{
  content: "+";
  width: 28px;
  height: 28px;
  border-radius: 980px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: 1px solid var(--border);
  color: var(--muted);
  background: var(--soft);
  flex: 0 0 auto;
  transition: background .3s ease, transform .3s ease;
}
.more[open] > summary::after{ content: "-"; transform: rotate(180deg); }
.more__content{
  margin-top: 10px;
}


.checklist{ list-style: none; padding: 0; margin: 14px 0 0; }
.checklist li{
  position: relative;
  padding-left: 28px;
  margin: 10px 0;
  color: var(--text);
  line-height: 1.55;
}
.checklist li::before{
  content: "✓";
  position: absolute;
  left: 0;
  top: 2px;
  width: 20px;
  height: 20px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 980px;
  background: rgba(24,50,110,.08);
  color: var(--brand);
  border: none;
  font-weight: 700;
  font-size: .8rem;
}

/* Services */
.servicesGrid{
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 14px;
}

/* Mortgage Solutions: 3×2 tiles on desktop */
.servicesGrid--3{
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
}

.serviceCard{
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  box-shadow: var(--shadow-sm);
  transition: transform .4s cubic-bezier(0.25, 0.1, 0.25, 1), box-shadow .4s ease;
}
.serviceCard:hover{
  transform: translateY(-2px);
  box-shadow: var(--shadow);
}
.serviceTop{ display: flex; align-items: center; gap: 12px; }
.serviceIcon{
  width: 38px;
  height: 38px;
  border-radius: 10px;
  display: grid;
  place-items: center;
  background: rgba(24,50,110,.08);
  border: none;
  color: var(--brand);
  flex: 0 0 auto;
}
.serviceIcon svg{ width: 20px; height: 20px; }
.serviceCard p{ color: var(--muted); line-height: 1.6; }
.serviceCard ul{ padding-left: 18px; margin: 12px 0 0; color: var(--text); }

/* Portfolio-style horizontal rail (Mortgage solutions) */
.hScrollWrap{ margin-top: 14px; }
.hScrollHead{
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  margin: 8px 0 10px;
}
.hScrollTitle{
  margin: 0;
  font-size: 1rem;
  letter-spacing: -0.01em;
  color: var(--text);
  font-weight: 600;
}
.hScrollNav{ display: flex; gap: 8px; }
.hNavBtn{
  width: 40px;
  height: 40px;
  border-radius: 980px;
  border: 1px solid var(--border);
  background: rgba(255,255,255,.92);
  box-shadow: var(--shadow-sm);
  color: var(--text);
  cursor: pointer;
  font-size: 20px;
  line-height: 1;
  transition: transform .3s ease, box-shadow .3s ease, background .3s ease;
}
.hNavBtn:hover{ background: var(--soft); transform: translateY(-1px); box-shadow: var(--shadow); }
.hNavBtn:disabled{ opacity: .35; cursor: default; transform: none; box-shadow: var(--shadow-sm); }

.hScrollRail{
  display: flex;
  gap: 14px;
  overflow-x: auto;
  padding: 10px 2px 18px;
  scroll-snap-type: x mandatory;
  scroll-padding-left: 8px;
  -webkit-overflow-scrolling: touch;
}
.hScrollRail::-webkit-scrollbar{ height: 10px; }
.hScrollRail::-webkit-scrollbar-thumb{
  background: rgba(0,0,0,.15);
  border-radius: 980px;
  border: 2px solid transparent;
  background-clip: content-box;
}
.hScrollRail::-webkit-scrollbar-track{ background: transparent; }

.hScrollRail .serviceCard{
  flex: 0 0 320px;
  scroll-snap-align: start;
  display: flex;
  flex-direction: column;
  min-height: 360px;
  background: var(--card);
  transition: transform .4s cubic-bezier(0.25, 0.1, 0.25, 1), box-shadow .4s ease, border-color .3s ease;
}
.hScrollRail .serviceCard:hover{
  transform: translateY(-4px);
  box-shadow: var(--shadow);
  border-color: rgba(24,50,110,.25);
}

/* Make the bullet list feel more like a premium "listing" */
.hScrollRail .serviceCard ul{
  list-style: none;
  padding: 0;
  margin: 12px 0 0;
}
.hScrollRail .serviceCard ul li{
  position: relative;
  padding-left: 28px;
  margin: 10px 0;
  color: var(--text);
  line-height: 1.55;
}
.hScrollRail .serviceCard ul li::before{
  content: "✓";
  position: absolute;
  left: 0;
  top: 2px;
  width: 20px;
  height: 20px;
  border-radius: 980px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: rgba(24,50,110,.08);
  color: var(--brand);
  border: none;
  font-weight: 700;
  font-size: .8rem;
}

.hScrollRail .serviceCard .micro{ margin-top: auto; padding-top: 10px; }
.hScrollRail .serviceTop{ margin-bottom: 6px; }

/* Slider pagination dots */
.hDots{
  display: flex;
  justify-content: center;
  gap: 8px;
  margin: 6px 0 2px;
}
.hDotBtn{
  width: 8px;
  height: 8px;
  border-radius: 980px;
  border: none;
  background: rgba(0,0,0,.15);
  cursor: pointer;
  padding: 0;
  transition: width .3s ease, background .3s ease;
}
.hDotBtn[aria-current="true"]{
  width: 20px;
  background: var(--brand);
  border-color: transparent;
}

/* Auto-slide progress bar (premium slider feel) */
.hProgress{
  height: 2px;
  max-width: 240px;
  margin: 10px auto 0;
  border-radius: 980px;
  background: rgba(0,0,0,.08);
  overflow: hidden;
}
.hProgressBar{
  display: block;
  height: 100%;
  width: 100%;
  transform: scaleX(0);
  transform-origin: left;
  background: var(--brand);
  will-change: transform;
}

/* Fade emphasis on the active slide */
.hScrollRail[data-slider] .serviceCard{
  opacity: .72;
  filter: saturate(.95);
  transition: opacity .4s ease, filter .4s ease, transform .4s cubic-bezier(0.25, 0.1, 0.25, 1), box-shadow .4s ease, border-color .3s ease;
}
.hScrollRail[data-slider] .serviceCard.is-active{
  opacity: 1;
  filter: saturate(1);
  animation: slideFade .5s cubic-bezier(0.25, 0.46, 0.45, 0.94);
}
@keyframes slideFade{
  from{ opacity: .3; transform: translateY(8px); }
  to{ opacity: 1; transform: translateY(0); }
}

/* Featured first card */
.serviceCard--featured{
  flex-basis: 360px !important;
  border-color: rgba(24,50,110,.20);
  background: var(--card);
}
.serviceMeta{
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
}
.serviceMeta h3{ margin: 0; }
.serviceBadge{
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: .74rem;
  font-weight: 600;
  padding: 4px 10px;
  border-radius: 980px;
  border: none;
  background: rgba(24,50,110,.10);
  color: var(--brand);
  letter-spacing: .02em;
}

/* Mini view-details inside service cards */
.svcDetails{
  margin-top: 12px;
}
.svcDetails summary{
  list-style: none;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  cursor: pointer;
  padding: 8px 14px;
  border-radius: 980px;
  border: 1px solid var(--border);
  background: var(--soft);
  color: var(--brand);
  font-weight: 600;
  font-size: .88rem;
  box-shadow: none;
  user-select: none;
  transition: background .3s ease, border-color .3s ease;
}
.svcDetails summary::-webkit-details-marker{ display: none; }
.svcDetails summary::after{
  content: "▾";
  font-size: .9rem;
  opacity: .9;
}
.svcDetails[open] summary::after{ content: "▴"; }
.svcDetails__content{
  margin-top: 10px;
}

/* Mobile: swipe-first. Hide arrows, make cards larger. */
@media (max-width: 780px){
  .hScrollNav{ display: none; }
  .hScrollRail{ padding-bottom: 12px; }
  .hScrollRail .serviceCard{ flex-basis: 86%; min-height: auto; }
  .hScrollRail .serviceCard--featured{ flex-basis: 86% !important; }
}

.ctaBanner{
  margin-top: 20px;
  padding: 24px 28px;
  border-radius: 20px;
  background: var(--soft);
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  transition: box-shadow .3s ease;
}
.ctaBanner:hover{ box-shadow: var(--shadow-sm); }
.ctaBanner h3{ margin: 0 0 6px; font-weight: 600; }

/* CTA banner: prevent button text wrapping + keep layout aligned */
.ctaBanner > div{
  flex: 1 1 auto;
  min-width: 240px;
}
.ctaBanner .btn{
  flex: 0 0 auto;
  white-space: nowrap;
}

@media (max-width: 560px){
  .ctaBanner{
    flex-direction: column;
    align-items: stretch;
  }
  .ctaBanner .btn{ width: 100%; }
}

/* Process */
.whyGrid{
  display: grid;
  grid-template-columns: 1.12fr .88fr;
  gap: 16px;
}

.whyGrid--single{ grid-template-columns: 1fr; }

.steps{
  counter-reset: step;
  margin: 14px 0 0;
  padding: 0;
  list-style: none;
}
.steps li{
  counter-increment: step;
  position: relative;
  padding-left: 42px;
  margin: 14px 0;
  color: var(--text);
  line-height: 1.55;
}
.steps li::before{
  content: counter(step);
  position: absolute;
  left: 0;
  top: 1px;
  width: 28px;
  height: 28px;
  border-radius: 980px;
  background: rgba(24,50,110,.08);
  border: none;
  color: var(--brand);
  display: grid;
  place-items: center;
  font-weight: 700;
  font-size: .85rem;
}

/* FAQ */
.faq{ display: grid; gap: 10px; max-width: 860px; }
.faqItem{
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: #fff;
  overflow: hidden;
  box-shadow: none;
  transition: box-shadow .3s ease, border-color .3s ease;
}
.faqItem:hover{ box-shadow: var(--shadow-sm); }
.faqQ{
  width: 100%;
  text-align: left;
  padding: 18px 20px;
  border: 0;
  background: transparent;
  font: inherit;
  font-weight: 600;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  cursor: pointer;
  transition: background .3s ease;
}
.faqQ:hover{ background: var(--soft); }
.faqIcon{
  width: 28px;
  height: 28px;
  border-radius: 980px;
  background: rgba(24,50,110,.08);
  border: none;
  display: grid;
  place-items: center;
  font-weight: 700;
  color: var(--brand);
  flex: 0 0 auto;
  transition: transform .3s ease;
}
.faqA{ padding: 0 20px 20px; color: var(--muted); line-height: 1.65; }

/* Calculators */
.calcGrid{ display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.calc{ display: grid; gap: 12px; }
label{ display: grid; gap: 6px; font-weight: 600; color: var(--text); font-size: .92rem; }
textarea{ resize: vertical; }

.calc__result{
  margin-top: 6px;
  padding: 18px;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  background: var(--soft);
}
.calc__value{ font-size: 1.8rem; font-weight: 700; color: var(--brand); }

/* Contact */
.contactGrid{ display: grid; grid-template-columns: 1.12fr .88fr; gap: 18px; }
.twoCol{ display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }

.contactDetails .detail{
  display: grid;
  gap: 6px;
  padding: 14px 0;
  border-bottom: 1px solid var(--border);
}
.contactDetails .detail:last-child{ border-bottom: 0; }
.detail__label{ color: var(--muted); font-weight: 600; font-size: .85rem; }
.detail__value{ color: var(--text); }
.detail a.detail__value{ color: var(--brand); font-weight: 600; }

.miniCta{
  margin-top: 18px;
  padding: 18px;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  background: var(--soft);
}
.miniCta h4{ margin: 0 0 6px; font-weight: 600; }

.legalNote{
  margin-top: 18px;
  padding: 14px 16px;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  background: #fff;
}


/* Loan help (dynamic form) */
.loanHelpGrid{
  display: grid;
  grid-template-columns: 1.12fr .88fr;
  gap: 16px;
}

.rangeWrap{
  padding: 16px;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  background: var(--soft);
}
.rangeTop{
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 10px;
}
.rangeValue{
  font-weight: 700;
  color: var(--brand);
  font-size: 1.1rem;
}
input[type="range"]{
  width: 100%;
  accent-color: var(--brand);
}
.rangeHints{
  display: flex;
  justify-content: space-between;
  gap: 12px;
  margin-top: 8px;
  color: var(--muted);
  font-weight: 500;
  font-size: .82rem;
}

.dynFields{
  margin-top: 12px;
  padding-top: 12px;
  border-top: 1px dashed var(--border);
}

@media (max-width: 1020px){
  .loanHelpGrid{ grid-template-columns: 1fr; }
}

/* Footer */
.footer{ padding: 48px 0 60px; border-top: 1px solid var(--border); font-size: .88rem; background: var(--soft); }
.footer__inner{ display: grid; grid-template-columns: 1.2fr .8fr; gap: 20px; align-items: start; }
.footer__brand img{ height: 40px; width: auto; }
.footer__links{
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
  justify-items: start;
}
.footerTitle{ font-weight: 600; color: var(--text); margin-bottom: 8px; }
.footerCol a{ display: block; margin: 6px 0; color: var(--muted); transition: color .3s ease; }
.footerCol a:hover{ color: var(--brand); }
.footer__links a{ color: var(--muted); }
.footer__links a:hover{ color: var(--brand); }
.footer__bottom{ margin-top: 12px; }

.footer p{ font-size: .82rem; line-height: 1.6; color: var(--muted); }
.footer .micro{ font-size: .78rem; }

/* Back to top */
.backTop{
  position: fixed;
  right: 20px;
  bottom: 20px;
  width: 44px;
  height: 44px;
  border-radius: 980px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(255,255,255,.72);
  border: 1px solid var(--border);
  color: var(--text);
  box-shadow: var(--shadow);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  opacity: 0;
  transform: translateY(10px);
  pointer-events: none;
  transition: opacity .4s ease, transform .4s ease, background .3s ease;
}
.backTop.show{ opacity: 1; transform: translateY(0); pointer-events: auto; }
.backTop:hover{ background: var(--brand); color: #fff; }

/* Motion preferences */
@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior: auto; }
  [data-reveal]{ opacity: 1; transform: none; transition: none; }
  .btn, .tile, .card, .serviceCard, .faqItem{ transition: none; }
}

/* Responsive */
@media (max-width: 1020px){
  .hero__grid{ grid-template-columns: 1fr; gap: 16px; }
  .hero h1{ max-width: 26ch; }
  .tiles__grid{ grid-template-columns: 1fr; transform: translateY(-18px); }
  .aboutGrid, .whyGrid, .contactGrid{ grid-template-columns: 1fr; }
  .servicesGrid{ grid-template-columns: 1fr; }
  .calcGrid{ grid-template-columns: 1fr; }
  .footer__inner{ grid-template-columns: 1fr; }
  .footer__links{ grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .profile{ align-items: flex-start; }
  .profile__img{ width: 160px; height: 160px; }
  .profile picture{ width: 160px; }
}

@media (max-width: 860px){
  .navToggle{ display: inline-block; }

  .nav{
    position: fixed;
    top: calc(var(--header-h) + 8px);
    right: 12px;
    left: 12px;
    padding: 14px;
    background: rgba(255,255,255,.92);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 4px;
  }
  .nav.open{ display: flex; }
  .nav a{ padding: 12px 14px; border-radius: 12px; opacity: 1; }
  .nav a:hover{ background: var(--soft); }
  .nav a.btn{ width: 100%; }

  .topbar__right{ display: none; }
  .twoCol{ grid-template-columns: 1fr; }
}

@media (max-width: 540px){
  .topbar__left{ gap: 10px; }
  .topbar__link{ font-size: .95rem; }
  .footer__links{ grid-template-columns: 1fr; }
}


/* Profile card: stack + center on phones */
@media (max-width: 680px){
  .profile{ align-items: flex-start; text-align: left; }
  .profile__body{ width: 100%; }
  .profile__meta{ justify-items: start; }
  .profile__actions{ justify-content: flex-start; }
  .profile__bio{ text-align: left; }
  .profile__bio h4{ text-align: left; }
}



/* ===== Calculators (original bright pill-tab layout) ===== */

/* Calculator quick tools (inspired by modern broker sites) */
.toolsGrid{
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  margin: 10px 0 26px;
}

/* Calculator button-only navigation */
.calcButtons{
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin: 10px 0 26px;
}

.calcButtons .btn{
  flex: 1 1 220px;
}

@media (max-width: 520px){
  .calcButtons .btn{
    width: 100%;
  }
}

.toolCard{
  display: flex;
  gap: 14px;
  align-items: flex-start;
  padding: 20px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: #fff;
  box-shadow: var(--shadow-sm);
  text-decoration: none;
  color: inherit;
  transition: transform .4s cubic-bezier(0.25, 0.1, 0.25, 1), box-shadow .4s ease, border-color .3s ease;
}

.toolCard:hover{
  transform: translateY(-3px);
  box-shadow: var(--shadow);
  border-color: rgba(24,50,110,.20);
}

.toolIcon{
  width: 42px;
  height: 42px;
  border-radius: 12px;
  display: grid;
  place-items: center;
  background: rgba(24,50,110,.08);
  border: none;
  color: var(--brand);
  font-weight: 700;
  flex: 0 0 auto;
}

.toolBody h3{
  margin: 0 0 6px;
  font-size: 1.06rem;
  letter-spacing: -0.01em;
}

.toolBody p{ margin: 0; }

.toolAction{
  display: inline-flex;
  margin-top: 10px;
  font-weight: 600;
  color: var(--brand);
}

.checkLine{
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 14px;
  border: 1px dashed var(--border);
  border-radius: 12px;
  background: var(--soft);
}

.checkLine input{
  width: 18px;
  height: 18px;
}

.checkLine span{
  font-size: 14px;
  color: var(--text);
}

.chartLegend{
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
  margin-top: 10px;
}

.legendSwatch{
  width: 12px;
  height: 12px;
  border-radius: 999px;
  display: inline-block;
  margin-right: 8px;
  background: var(--brand);
}

.legendSwatch--rent{ background: var(--accent); }

@media (max-width: 980px){
  .toolsGrid{ grid-template-columns: 1fr; }
}

.calcWrap{
  scroll-margin-top: 96px;
  margin-top: 24px;
  background: #ffffff;
  border: 1px solid var(--border);
  border-radius: 20px;
  box-shadow: var(--shadow-sm);
  overflow: hidden;
}

.calcTabs{
  display:flex;
  gap: 8px;
  flex-wrap:wrap;
  padding: 16px;
  background: var(--soft);
  border-bottom: 1px solid var(--border);
}

.calcTab{
  appearance: none;
  border: 1px solid var(--border);
  background: #ffffff;
  padding: 10px 16px;
  border-radius: 980px;
  font: inherit;
  font-weight: 600;
  font-size: .88rem;
  color: var(--text);
  cursor: pointer;
  letter-spacing: -0.01em;
  transition: transform .3s ease, box-shadow .3s ease, background .3s ease, color .3s ease;
}

.calcTab:hover{ transform: translateY(-1px); box-shadow: var(--shadow-sm); }

.calcTab.is-active{
  border-color: var(--brand);
  background: var(--brand);
  color: #ffffff;
}

.calcPanel{ display: none; background: #ffffff; }
.calcPanel.is-active{ display: block; }

.calcPanelInner{
  display: grid;
  grid-template-columns: minmax(280px, 380px) 1fr;
  gap: 24px;
  padding: 26px;
}

.calcInputs h3{
  margin: 0 0 10px;
  font-size: 32px;
  letter-spacing: -0.03em;
  color: var(--text);
  font-weight: 700;
}

.calcForm{ display: grid; gap: 12px; }
.field span{ display:block; font-size: 13px; color: var(--muted); margin-bottom: 6px; }
.field input, .field select{
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: 12px;
  font: inherit;
  background: #ffffff;
}

.money{
  display: grid;
  grid-template-columns: 22px 1fr;
  align-items: center;
  gap: 8px;
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 0 10px;
  background: #fff;
}
.money span{ color: var(--muted); font-weight: 600; margin: 0; }
.money input{ border: 0; padding: 12px 0; outline: none; min-width: 0; }

.twoCol{ display:grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.subhead{ margin-top: 6px; font-weight: 600; color: var(--text); font-size: 14px; }

.fieldRow{
  display:flex;
  align-items:center;
  justify-content: space-between;
  gap: 12px;
  padding: 4px 0;
}
.labelSm{ font-size: 13px; color: var(--muted); }

.segmented{
  display:flex;
  background: var(--soft);
  border: 1px solid var(--border);
  border-radius: 980px;
  padding: 3px;
  gap: 3px;
}
.segmented label{
  flex: 1;
  position: relative;
  cursor: pointer;
}
/* Hide the native radio control (prevents iOS “Yes/No” circles showing) */
.segmented label input{
  position: absolute;
  inset: 0;
  opacity: 0;
  pointer-events: none;
}
.segmented label span{
  display:flex;
  align-items:center;
  justify-content:center;
  width: 100%;
  padding: 8px 12px;
  border-radius: 980px;
  font-size: 13px;
  color: var(--text);
  user-select: none;
  border: 1px solid transparent;
  transition: background .3s ease, box-shadow .3s ease;
}
.segmented label input:checked + span{
  background: #ffffff;
  border-color: var(--border);
  box-shadow: var(--shadow-sm);
}
.segmented label input:focus-visible + span{
  outline: 2px solid rgba(24,50,110,.35);
  outline-offset: 2px;
}

@media (max-width: 520px){
  .fieldRow{ flex-direction: column; align-items: flex-start; }
  .segmented{ width: 100%; }
}

.selectInline{ display:flex; align-items:center; gap: 10px; }
.selectInline select{
  padding: 10px 12px;
  border-radius: 14px;
  border: 1px solid var(--border);
  background: #fff;
}

.hemRow{
  margin-top: 10px;
  padding-top: 10px;
  border-top: 1px dashed var(--border);
}
.hemRow strong{ color: var(--text); }

.calcOutputs{ min-width: 0; }

.summaryStrip{
  display:grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 18px;
}
.summaryBox{
  background: #ffffff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px;
  box-shadow: var(--shadow-sm);
}
.summaryLabel{ font-size: 13px; color: var(--muted); }
.summaryValue{
  margin-top: 8px;
  font-size: 44px;
  letter-spacing: -0.03em;
  color: var(--text);
  font-weight: 700;
}
.summaryBox.big .summaryValue{ font-size: 52px; }
.repayStrip{ grid-template-columns: 1.15fr 1fr; }

.kv{ display:grid; gap: 8px; margin-top: 10px; }
.kvRow{ display:flex; align-items:baseline; justify-content: space-between; gap: 12px; font-size: 14px; }
.kvRow span{ color: var(--muted); }
.kvRow strong{ color: var(--text); font-weight: 700; }

.chartCard{
  background: var(--soft);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 18px;
  box-shadow: var(--shadow-sm);
}
.chartTitle{ font-weight: 600; color: var(--text); margin: 0 0 8px; font-size: 14px; }
.chart{ width: 100%; min-height: 320px; }
.chart svg{ width: 100%; height: 320px; display:block; }

.calcNote{ margin: 14px 2px 0; }

.feesCard{
  background: var(--soft);
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 28px;
  box-shadow: var(--shadow-sm);
  max-width: 720px;
}
.feesTitle{ text-align:center; color: var(--muted); font-weight: 600; }
.feesTotal{ text-align:center; font-size: 60px; letter-spacing: -0.04em; color: var(--text); font-weight: 700; margin: 10px 0 10px; }

/* Mobile */
@media (max-width: 980px){
  .calcPanelInner{ grid-template-columns: 1fr; }
  .calcInputs h3{ font-size: 28px; }
  .summaryStrip{ grid-template-columns: 1fr; }
  .repayStrip{ grid-template-columns: 1fr; }
  .feesTotal{ font-size: 52px; }
}
@media (max-width: 520px){
  .twoCol{ grid-template-columns: 1fr; }
  .chart svg{ height: 260px; }
  .summaryValue{ font-size: 40px; }
  .summaryBox.big .summaryValue{ font-size: 46px; }
}

.footer-note a{
  color: var(--brand);
  text-decoration: underline;
  font-weight: 500;
}

.footer-note a:hover,
.footer-note a:focus{
  text-decoration-thickness: 2px;
  color: var(--accent2);
}


/* FAQ bullets: spacing + indentation */
.faqA .faqList{
  margin: 12px 0 0;     /* space above the list */
  padding-left: 1.6rem; /* “tab” indent */
  list-style-position: outside;
}

.faqA .faqList li{
  margin: 6px 0;        /* space between bullets */
  padding-left: .25rem; /* gap between bullet and text */
  line-height: 1.6;
}



/* =========================
   Dynamic polish additions
   ========================= */

/* Active nav link */
.nav a[aria-current=”page”]:not(.btn),
.nav a.is-active:not(.btn){
  color: var(--brand);
  opacity: 1;
}
.nav a[aria-current=”page”]:not(.btn)::after,
.nav a.is-active:not(.btn)::after{
  content:””;
  display:block;
  height: 2px;
  margin-top: 4px;
  border-radius: 980px;
  background: var(--brand);
  opacity: 1;
}

/* Header scroll state (subtle “shrink” + stronger separation) */
.header.is-scrolled{
  background: rgba(255,255,255,.88);
  box-shadow: 0 1px 0 rgba(0,0,0,.04);
}
.header.is-scrolled .brand img{
  height: clamp(46px, 4.5vw, 64px);
}

/* Scroll progress bar */
.scrollProgress{
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  height: 2px;
  z-index: 90;
  background: transparent;
  pointer-events: none;
}
.scrollProgress__bar{
  height: 100%;
  width: 100%;
  transform: scaleX(0);
  transform-origin: left center;
  background: var(--brand);
  box-shadow: none;
}

/* Page transition overlay */
.pageOverlay{
  position: fixed;
  inset: 0;
  background: #fff;
  opacity: 0;
  pointer-events: none;
  transition: opacity .25s ease;
  z-index: 9999;
}
.pageOverlay.is-active{
  opacity: 1;
  pointer-events: auto;
}

/* Mobile sticky CTA (conversion-friendly) */
.stickyCta{
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: 60;
  padding: 10px calc(12px + env(safe-area-inset-right)) calc(10px + env(safe-area-inset-bottom)) calc(12px + env(safe-area-inset-left));
  background: rgba(255,255,255,.72);
  border-top: 1px solid rgba(0,0,0,.08);
  backdrop-filter: saturate(180%) blur(20px);
  -webkit-backdrop-filter: saturate(180%) blur(20px);
  box-shadow: 0 -4px 20px rgba(0, 0, 0, .06);
  display: none;
}
.stickyCta__inner{
  max-width: var(--container);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}
.stickyCta .btn{ width: 100%; justify-content: center; }
.has-stickyCta main{ padding-bottom: 90px; }

@media (max-width: 860px){
  .stickyCta{ display: block; }
}

/* FAQ tools */
.faqTools{
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
  margin: 14px 0 14px;
}
.faqTools .input{
  min-width: min(520px, 100%);
}
.faqTools__right{
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}
.srOnly{
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

/* Reduce motion support */
@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior: auto; }
  *, *::before, *::after{
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
  }
}