/* ==========================================================================
   S2 Mortgage Group
   Palette taken from the S2 mark. The Mortgage Centre red appears only inside
   its own logo and is never used as an interface colour.
   ========================================================================== */

:root {
  --navy: #142644;
  --navy-deep: #0e1b33;
  --navy-mid: #223b63;
  --gold: #c29a45;
  --gold-deep: #8a6520; /* text + button gold. Darkened to clear WCAG AA. */
  --gold-soft: #f2e9d6;
  --paper: #f7f4ef;
  --ink: #1a1a1a;
  --body: #4a4a55;
  --line: #e1dad0;
  --white: #fff;

  --wrap: 1180px;
  --pad: 20px;

  --font-display: "Playfair Display", Georgia, "Times New Roman", serif;
  --font-sans: "Source Sans 3", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;

  --shadow-card: 0 1px 2px rgba(20, 38, 68, 0.05), 0 12px 32px -18px rgba(20, 38, 68, 0.28);
}

/* ---------------------------------- base --------------------------------- */

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--body);
  font-family: var(--font-sans);
  font-size: 17.5px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

h1,
h2,
h3,
h4 {
  font-family: var(--font-display);
  color: var(--navy);
  font-weight: 600;
  margin: 0;
  line-height: 1.18;
}

p {
  margin: 0 0 1.15rem;
}

a {
  color: inherit;
  text-underline-offset: 3px;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

:focus-visible {
  outline: 2px solid var(--gold-deep);
  outline-offset: 3px;
  border-radius: 2px;
}

::selection {
  background: var(--gold-soft);
  color: var(--navy);
}

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

.skip-link {
  position: absolute;
  left: -9999px;
  z-index: 100;
}
.skip-link:focus {
  left: 16px;
  top: 16px;
  background: var(--navy);
  color: #fff;
  padding: 10px 18px;
  border-radius: 3px;
  text-decoration: none;
}

/* --------------------------------- layout -------------------------------- */

.wrap {
  width: 100%;
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 0 var(--pad);
}

.section {
  padding: 64px 0;
}
.section--tight {
  padding: 56px 0;
}
.section--white {
  background: var(--white);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.section--navy {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.75);
}
.section--navy-deep {
  background: var(--navy-deep);
  color: rgba(255, 255, 255, 0.75);
}
.section--navy h2,
.section--navy h3,
.section--navy-deep h2,
.section--navy-deep h3 {
  color: #fff;
}

@media (min-width: 1024px) {
  .section {
    padding: 84px 0;
  }
  .section--tight {
    padding: 70px 0;
  }
}

/* ------------------------------- type scale ------------------------------ */

.h-xl {
  font-size: clamp(2.6rem, 6vw, 4.5rem);
  line-height: 1.04;
  letter-spacing: -0.015em;
}
.h-lg {
  font-size: clamp(2.1rem, 4.4vw, 3.2rem);
  line-height: 1.1;
  letter-spacing: -0.012em;
}
.h-md {
  font-size: clamp(1.65rem, 3vw, 2.25rem);
  line-height: 1.18;
}

.eyebrow {
  font-family: var(--font-sans);
  font-size: 0.72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.22em;
  color: var(--gold-deep);
  margin: 0 0 12px;
}
.eyebrow--light {
  color: var(--gold);
}

.lead {
  font-size: 1.08rem;
  max-width: 34em;
}

.measure {
  max-width: 40em;
}

/* -------------------- signature: the roofline chevron -------------------- */
/* Lifted from the S2 emblem. The only decorative device on the site.        */

.roofrule {
  display: flex;
  align-items: center;
  color: var(--gold);
}
.roofrule::before,
.roofrule::after {
  content: "";
  flex: 1;
  height: 1px;
  background: currentColor;
  opacity: 0.5;
}
.roofrule svg {
  display: block;
  flex: none;
  opacity: 0.65;
}

.hero-mark {
  position: absolute;
  right: -64px;
  top: 8px;
  width: 880px;
  height: 560px;
  color: var(--gold);
  opacity: 0.25;
  pointer-events: none;
  display: none;
}
@media (min-width: 1024px) {
  .hero-mark {
    display: block;
  }
}

/* -------------------------------- buttons -------------------------------- */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 24px;
  border-radius: 3px;
  font-size: 0.95rem;
  font-weight: 600;
  font-family: var(--font-sans);
  text-decoration: none;
  border: 1px solid transparent;
  text-align: center;
  cursor: pointer;
  transition: background-color 0.2s, border-color 0.2s, color 0.2s;
}
.btn--primary {
  background: var(--navy);
  color: #fff;
}
.btn--primary:hover {
  background: var(--navy-mid);
}
.btn--gold {
  background: var(--gold-deep);
  color: #fff;
}
.btn--gold:hover {
  background: var(--gold);
}
.btn--ghost {
  border-color: rgba(20, 38, 68, 0.25);
  color: var(--navy);
  background: transparent;
}
.btn--ghost:hover {
  border-color: var(--navy);
  background: rgba(20, 38, 68, 0.04);
}
.btn--ghost-light {
  border-color: rgba(255, 255, 255, 0.35);
  color: #fff;
  background: transparent;
}
.btn--ghost-light:hover {
  border-color: #fff;
  background: rgba(255, 255, 255, 0.1);
}
.btn--block {
  width: 100%;
}
.btn--sm {
  padding: 10px 20px;
}
.btn:disabled {
  opacity: 0.35;
  cursor: not-allowed;
}

.btn-row {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  align-items: center;
}

.btn-link {
  font-weight: 600;
  color: var(--navy);
  text-decoration: none;
  padding: 14px 8px;
}
.btn-link:hover {
  color: var(--gold-deep);
}

/* --------------------------------- cards --------------------------------- */

.card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 4px;
  padding: 26px;
  box-shadow: var(--shadow-card);
}

/* Collapsed-border grid. Empty trailing cells render as nothing. */
.grid-collapse {
  display: grid;
  grid-template-columns: 1fr;
}
.grid-collapse > * {
  border: 1px solid var(--line);
  margin: 0 -1px -1px 0;
  background: var(--white);
  padding: 26px;
}
@media (min-width: 640px) {
  .grid-collapse {
    grid-template-columns: repeat(2, 1fr);
  }
}
@media (min-width: 1024px) {
  .grid-collapse--3 {
    grid-template-columns: repeat(3, 1fr);
  }
  .grid-collapse--4 {
    grid-template-columns: repeat(4, 1fr);
  }
}

.grid {
  display: grid;
  gap: 24px;
  grid-template-columns: 1fr;
}
@media (min-width: 768px) {
  .grid--2 {
    grid-template-columns: repeat(2, 1fr);
  }
  .grid--3 {
    grid-template-columns: repeat(3, 1fr);
  }
}

.service-card {
  display: flex;
  flex-direction: column;
  text-decoration: none;
  color: var(--body);
  transition: background-color 0.2s;
}
.service-card:hover {
  background: var(--paper);
}
.service-card h3 {
  font-size: 1.18rem;
  margin: 0 0 10px;
  transition: color 0.2s;
}
.service-card:hover h3 {
  color: var(--gold-deep);
}
.service-card p {
  font-size: 0.93rem;
  flex: 1;
  margin-bottom: 18px;
}
.service-card .more,
.more {
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--gold-deep);
}
.card-chevron {
  color: var(--gold);
  margin-bottom: 18px;
}

.step-num {
  font-family: var(--font-display);
  font-size: 2rem;
  line-height: 1;
  color: var(--gold);
  display: block;
  margin-bottom: 16px;
}

/* -------------------------------- header --------------------------------- */

.site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  background: rgba(247, 244, 239, 0.96);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 14px 0;
}

.lockup {
  display: flex;
  align-items: center;
  gap: 16px;
}
.lockup__s2 img {
  height: 56px;
  width: auto;
}
.lockup__divider {
  width: 1px;
  height: 44px;
  background: var(--line);
}
.lockup__mc {
  background: #fff;
  border-radius: 3px;
  padding: 10px 12px;
}
.lockup__mc img {
  height: 32px;
  width: auto;
}
@media (min-width: 640px) {
  .lockup__s2 img {
    height: 68px;
  }
  .lockup__divider {
    height: 56px;
  }
  .lockup__mc img {
    height: 40px;
  }
}

.nav {
  display: none;
  align-items: center;
  gap: 28px;
}
.nav a {
  font-size: 0.93rem;
  font-weight: 500;
  color: var(--navy);
  text-decoration: none;
}
.nav a:hover {
  color: var(--gold-deep);
}
.nav a.is-current {
  color: var(--gold-deep);
}
.nav .nav-phone {
  font-weight: 700;
}
@media (min-width: 1024px) {
  .nav {
    display: flex;
  }
}

.nav-toggle {
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1px solid var(--line);
  border-radius: 3px;
  background: transparent;
  color: var(--navy);
  cursor: pointer;
}
/* Declared after .nav-toggle so it wins on specificity order. */
@media (min-width: 1024px) {
  .nav-toggle {
    display: none;
  }
}

.mobile-nav {
  display: none;
  border-top: 1px solid var(--line);
  background: var(--paper);
  padding: 20px 0 24px;
}
.mobile-nav.is-open {
  display: block;
}
.mobile-nav a {
  display: block;
  padding: 8px 0;
  font-size: 1.05rem;
  font-weight: 500;
  color: var(--navy);
  text-decoration: none;
}
.mobile-nav .sub a {
  font-size: 0.95rem;
  font-weight: 400;
  color: var(--body);
  padding: 6px 0;
}
@media (min-width: 1024px) {
  .mobile-nav {
    display: none !important;
  }
}

/* -------------------------------- footer --------------------------------- */

.site-footer {
  background: var(--navy-deep);
  color: rgba(255, 255, 255, 0.7);
  padding: 56px 0;
}
.site-footer h3 {
  font-family: var(--font-sans);
  font-size: 0.95rem;
  color: #fff;
  margin: 0 0 16px;
}
.site-footer a {
  color: inherit;
  text-decoration: none;
}
.site-footer a:hover {
  color: var(--gold);
}
.site-footer ul {
  list-style: none;
  margin: 0;
  padding: 0;
}
.site-footer li {
  margin-bottom: 8px;
  font-size: 0.9rem;
}
.footer-lockup .lockup__s2,
.footer-lockup .lockup__mc {
  background: #fff;
  border-radius: 3px;
  padding: 16px 20px;
}
.footer-lockup .lockup__s2 img {
  height: 72px;
}
.footer-lockup .lockup__mc img {
  height: 44px;
}
.footer-lockup .lockup__divider {
  background: rgba(255, 255, 255, 0.25);
}
.footer-grid {
  display: grid;
  gap: 40px;
  grid-template-columns: 1fr;
  margin-top: 40px;
}
@media (min-width: 640px) {
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}
@media (min-width: 1024px) {
  .footer-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}
.footer-legal {
  font-size: 0.8rem;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.55);
}
.footer-legal p {
  margin-bottom: 12px;
}
.footer-legal .copyright {
  color: rgba(255, 255, 255, 0.4);
  padding-top: 8px;
}
.footer-rule {
  margin: 40px 0;
}
address {
  font-style: normal;
}

/* ------------------------------ sticky CTA ------------------------------- */

.sticky-cta {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: 40;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(8px);
  border-top: 1px solid rgba(20, 38, 68, 0.15);
  padding: 12px;
  display: flex;
  gap: 12px;
}
.sticky-cta .btn {
  flex: 1;
  padding: 12px;
}
body {
  padding-bottom: 76px;
}
@media (min-width: 1024px) {
  .sticky-cta {
    display: none;
  }
  body {
    padding-bottom: 0;
  }
}

/* --------------------------------- hero ---------------------------------- */

.hero {
  position: relative;
  overflow: hidden;
  border-bottom: 1px solid var(--line);
  padding: 64px 0;
}
@media (min-width: 1024px) {
  .hero {
    padding: 96px 0;
  }
}
.hero__inner {
  position: relative;
  max-width: 56rem;
}
.page-head {
  background: var(--white);
  border-bottom: 1px solid var(--line);
  padding: 56px 0;
}
@media (min-width: 1024px) {
  .page-head {
    padding: 76px 0;
  }
}

.trust-bar {
  background: var(--white);
  border-bottom: 1px solid var(--line);
}
.trust-grid {
  display: grid;
  gap: 24px;
  grid-template-columns: 1fr;
  padding: 28px 0;
}
@media (min-width: 640px) {
  .trust-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}
@media (min-width: 1024px) {
  .trust-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}
.trust-grid dt {
  font-family: var(--font-display);
  font-size: 1.05rem;
  color: var(--navy);
}
.trust-grid dd {
  margin: 4px 0 0;
  font-size: 0.86rem;
  color: rgba(74, 74, 85, 0.85);
}

.section-head {
  max-width: 42rem;
  margin-bottom: 40px;
}
.section-head--center {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}
.section-head p {
  margin-top: 16px;
  font-size: 1.05rem;
}
.section--navy .section-head p,
.section--navy-deep .section-head p {
  color: rgba(255, 255, 255, 0.75);
}

/* -------------------------- broker comparison ---------------------------- */

.compare {
  display: grid;
  gap: 24px;
  grid-template-columns: 1fr;
}
@media (min-width: 1024px) {
  .compare {
    grid-template-columns: repeat(3, 1fr);
  }
}
.compare__col {
  border-radius: 4px;
  padding: 26px;
  box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.12);
}
.compare__col--highlight {
  background: rgba(255, 255, 255, 0.07);
  box-shadow: inset 0 0 0 1px rgba(194, 154, 69, 0.5);
}
.compare__col h3 {
  font-size: 1.15rem;
}
.compare__col--highlight h3 {
  color: var(--gold);
}
.compare ul {
  list-style: none;
  margin: 16px 0 0;
  padding: 0;
  font-size: 0.93rem;
}
.compare li {
  position: relative;
  padding-left: 24px;
  margin-bottom: 12px;
}
.compare li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.62em;
  width: 10px;
  height: 6px;
  border-top: 1.2px solid currentColor;
  border-left: 1.2px solid currentColor;
  border-right: 1.2px solid currentColor;
  clip-path: polygon(0% 100%, 50% 0%, 100% 100%);
  opacity: 0.55;
}
.compare__col--highlight li::before {
  color: var(--gold);
  opacity: 1;
}

/* --------------------------------- team ---------------------------------- */

.agent {
  display: flex;
  gap: 24px;
}
.monogram {
  flex: none;
  width: 80px;
  height: 80px;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1px solid rgba(194, 154, 69, 0.4);
  background: var(--gold-soft);
  border-radius: 3px;
  font-family: var(--font-display);
  font-size: 1.7rem;
  color: var(--navy);
}
.agent h3 {
  font-size: 1.2rem;
}
.agent__role {
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.13em;
  color: var(--gold-deep);
  margin: 2px 0 12px;
}
.agent__licence {
  font-size: 0.8rem;
  color: rgba(74, 74, 85, 0.7);
  margin: 16px 0 0;
}

.placeholder-card {
  border: 1px dashed var(--line);
  background: var(--white);
  border-radius: 4px;
  padding: 26px;
  font-size: 0.9rem;
  color: rgba(74, 74, 85, 0.6);
}
.placeholder-card strong {
  color: var(--navy);
  display: block;
  margin-bottom: 10px;
}

/* ------------------------------ calculator ------------------------------- */

.calc {
  display: grid;
  gap: 32px;
  grid-template-columns: 1fr;
}
@media (min-width: 1024px) {
  .calc {
    grid-template-columns: 1fr 0.85fr;
  }
}
.calc__fields {
  display: grid;
  gap: 20px;
  grid-template-columns: 1fr;
}
@media (min-width: 640px) {
  .calc__fields {
    grid-template-columns: repeat(2, 1fr);
  }
  .calc__fields .span-2 {
    grid-column: span 2;
  }
}
.calc__results {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.8);
  border-radius: 4px;
  padding: 28px;
}
.calc__amount {
  font-family: var(--font-display);
  font-size: 2.9rem;
  line-height: 1;
  color: #fff;
  margin: 4px 0 0;
}
.calc__freq {
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.6);
  margin: 8px 0 0;
}
.calc__rows {
  margin: 28px 0 0;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  font-size: 0.9rem;
}
.calc__row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 16px;
  margin-bottom: 12px;
}
.calc__row dt {
  color: rgba(255, 255, 255, 0.6);
}
.calc__row dd {
  margin: 0;
  color: rgba(255, 255, 255, 0.9);
  text-align: right;
}
.calc__row--strong dd {
  color: #fff;
  font-weight: 600;
}
.calc__note {
  margin-top: 24px;
  padding-top: 20px;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  font-size: 0.76rem;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.5);
}
.calc__warning {
  font-size: 1rem;
  color: rgba(255, 255, 255, 0.85);
}
.calc__min {
  margin-top: 20px;
  font-size: 0.82rem;
  color: rgba(74, 74, 85, 0.8);
}

input[type="range"] {
  width: 100%;
  accent-color: var(--gold-deep);
  margin-top: 12px;
}

/* --------------------------------- forms --------------------------------- */

.field {
  width: 100%;
  border: 1px solid var(--line);
  background: var(--white);
  border-radius: 3px;
  padding: 10px 14px;
  font-size: 0.95rem;
  font-family: var(--font-sans);
  color: var(--ink);
  transition: border-color 0.2s;
}
.field:focus {
  border-color: var(--gold-deep);
  outline: none;
}
select.field {
  appearance: none;
  background-image: url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='none'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%234A4A55' stroke-width='1.4'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 36px;
}
.field-label {
  display: block;
  margin-bottom: 6px;
  font-size: 0.78rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--navy);
}

fieldset {
  border: 0;
  margin: 0;
  padding: 0;
}
legend {
  font-family: var(--font-display);
  font-size: 1.3rem;
  color: var(--navy);
  margin-bottom: 20px;
  padding: 0;
}

.choices {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.choices input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}
.choices label {
  display: inline-block;
  cursor: pointer;
  border: 1px solid var(--line);
  background: var(--white);
  color: var(--body);
  border-radius: 3px;
  padding: 10px 16px;
  font-size: 0.9rem;
  transition: all 0.15s;
}
.choices label:hover {
  border-color: rgba(20, 38, 68, 0.4);
}
.choices input:checked + label {
  background: var(--navy);
  border-color: var(--navy);
  color: #fff;
}
.choices input:focus-visible + label {
  outline: 2px solid var(--gold-deep);
  outline-offset: 2px;
}

.form-steps {
  margin-bottom: 32px;
}
.form-steps__meta {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: rgba(74, 74, 85, 0.7);
  margin-bottom: 12px;
}
.form-steps__meta strong {
  color: var(--navy);
}
.form-steps__bars {
  display: flex;
  gap: 6px;
}
.form-steps__bars span {
  flex: 1;
  height: 3px;
  border-radius: 2px;
  background: var(--line);
}
.form-steps__bars span.is-done {
  background: var(--gold-deep);
}

.step {
  display: none;
}
.step.is-active {
  display: block;
}
.step > * + * {
  margin-top: 20px;
}

.consent-box {
  border: 1px solid var(--line);
  background: var(--paper);
  border-radius: 3px;
  padding: 20px;
  font-size: 0.88rem;
  line-height: 1.6;
}
.check {
  display: flex;
  align-items: flex-start;
  gap: 12px;
}
.check input {
  margin-top: 5px;
  width: 16px;
  height: 16px;
  flex: none;
  accent-color: var(--gold-deep);
}
.check label {
  font-size: 0.9rem;
  line-height: 1.6;
}

.form-nav {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid var(--line);
}
.form-foot {
  margin-top: 20px;
  font-size: 0.78rem;
  color: rgba(74, 74, 85, 0.7);
}
.alert {
  border: 1px solid #fca5a5;
  background: #fef2f2;
  color: #991b1b;
  border-radius: 3px;
  padding: 16px;
  font-size: 0.9rem;
}

/* --------------------------------- prose --------------------------------- */

.prose {
  max-width: none;
}
.prose p,
.prose ul,
.prose ol {
  max-width: 68ch;
}
.prose p {
  margin-bottom: 20px;
}
.prose h2 {
  font-size: clamp(1.65rem, 3vw, 2.25rem);
  margin: 44px 0 12px;
}
.prose h3 {
  font-size: 1.2rem;
  margin: 32px 0 8px;
}
.prose ul {
  list-style: none;
  padding: 0;
  margin: 0 0 20px;
}
.prose ul li {
  position: relative;
  padding-left: 24px;
  margin-bottom: 8px;
}
.prose ul li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.72em;
  width: 9px;
  height: 5px;
  border-top: 1.5px solid var(--gold);
  border-left: 1.5px solid var(--gold);
  border-right: 1.5px solid var(--gold);
  clip-path: polygon(0% 100%, 50% 0%, 100% 100%);
}
.prose strong {
  font-weight: 600;
  color: var(--navy);
}
.prose em {
  color: rgba(74, 74, 85, 0.85);
}

.steps-list {
  list-style: none;
  padding: 0;
  margin: 0 0 24px;
}
.steps-list li {
  display: flex;
  gap: 20px;
  margin-bottom: 20px;
}
.steps-list .num {
  font-family: var(--font-display);
  font-size: 1.5rem;
  line-height: 1;
  color: var(--gold);
  flex: none;
}
.steps-list strong {
  display: block;
  font-family: var(--font-sans);
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy);
}
.steps-list span.text {
  display: block;
  margin-top: 4px;
  font-size: 0.97rem;
}

.faq {
  margin-top: 24px;
}
.faq > div {
  border-top: 1px solid var(--line);
  padding-top: 20px;
  margin-bottom: 24px;
}
.faq dt {
  font-family: var(--font-display);
  font-size: 1.12rem;
  color: var(--navy);
}
.faq dd {
  margin: 8px 0 0;
  max-width: 68ch;
  font-size: 0.97rem;
}

.inline-cta {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.8);
  border-radius: 4px;
  padding: 32px;
  margin: 44px 0;
}
.inline-cta h2 {
  color: #fff;
  font-size: 1.4rem;
  margin: 0 0 8px;
}
.inline-cta p {
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 24px;
}

/* --------------------------- article / sidebar --------------------------- */

.with-aside {
  display: grid;
  gap: 48px;
  grid-template-columns: 1fr;
  padding: 56px 0;
}
@media (min-width: 1024px) {
  .with-aside {
    grid-template-columns: 1.5fr 0.75fr;
    gap: 64px;
    padding: 76px 0;
  }
  .with-aside aside {
    position: sticky;
    top: 132px;
    align-self: start;
  }
}
.with-aside aside > * + * {
  margin-top: 24px;
}
.aside-list {
  list-style: none;
  margin: 0;
  padding: 0;
}
.aside-list li {
  margin-bottom: 12px;
}
.aside-list a {
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--navy);
  text-decoration: none;
}
.aside-list a:hover {
  color: var(--gold-deep);
}

.breadcrumb {
  font-size: 0.85rem;
  color: rgba(74, 74, 85, 0.7);
  margin-bottom: 24px;
}
.breadcrumb a {
  text-decoration: none;
}
.breadcrumb a:hover {
  color: var(--gold-deep);
}
.breadcrumb span.current {
  color: var(--navy);
}

/* ------------------------------ list rows -------------------------------- */

.rows {
  border: 1px solid var(--line);
  border-radius: 4px;
  overflow: hidden;
  background: var(--line);
  display: grid;
  gap: 1px;
}
.row-item {
  background: var(--white);
  padding: 26px;
  text-decoration: none;
  color: var(--body);
  display: grid;
  gap: 16px;
  transition: background-color 0.2s;
}
.row-item:hover {
  background: var(--paper);
}
.row-item h2 {
  font-size: 1.32rem;
  transition: color 0.2s;
}
.row-item:hover h2 {
  color: var(--gold-deep);
}
.row-item .meta {
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.13em;
  color: var(--gold-deep);
}
.row-item .meta small {
  display: block;
  color: rgba(74, 74, 85, 0.6);
  text-transform: none;
  letter-spacing: normal;
  font-size: 0.8rem;
}
@media (min-width: 768px) {
  .row-item {
    grid-template-columns: 0.9fr 1.4fr;
    gap: 40px;
    padding: 34px;
  }
  .row-item--article {
    grid-template-columns: 0.35fr 1.4fr;
  }
}

/* --------------------------------- map ----------------------------------- */

.map-card {
  border: 1px solid var(--line);
  border-radius: 4px;
  overflow: hidden;
  background: var(--white);
}
.map-card iframe {
  width: 100%;
  height: 320px;
  border: 0;
  display: block;
}
@media (min-width: 1024px) {
  .map-card iframe {
    height: 420px;
  }
}
.map-card__body {
  padding: 24px;
}

.areas-layout {
  display: grid;
  gap: 32px;
  grid-template-columns: 1fr;
}
@media (min-width: 1024px) {
  .areas-layout {
    grid-template-columns: 1fr 0.8fr;
  }
}

/* -------------------------------- utility -------------------------------- */

.center {
  text-align: center;
}
.mt-0 {
  margin-top: 0;
}
.mt-24 {
  margin-top: 24px;
}
.mt-32 {
  margin-top: 32px;
}
.mt-40 {
  margin-top: 40px;
}
.rule-sm {
  max-width: 120px;
  margin-bottom: 20px;
}
.rule-md {
  max-width: 180px;
  margin: 0 auto 28px;
}
.hide {
  display: none !important;
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.001ms !important;
    transition-duration: 0.001ms !important;
    scroll-behavior: auto !important;
  }
}

/* ==========================================================================
   Added for the expanded site: category headings, glossary, doc lists,
   and the wider footer needed for 19 services plus city pages.
   ========================================================================== */

.cat-head {
  display: flex;
  align-items: center;
  gap: 20px;
  margin-bottom: 20px;
}
.cat-head h2 {
  flex: none;
}
.cat-rule {
  flex: 1;
}

.footer-subhead {
  font-size: 0.72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  color: var(--gold);
  margin: 0 0 10px;
}
.site-footer ul + .footer-subhead {
  margin-top: 22px;
}
@media (min-width: 1024px) {
  .footer-grid--wide {
    grid-template-columns: 1fr 1fr 1fr 1.1fr;
  }
}

.gloss-list {
  margin: 0;
  border-top: 1px solid var(--line);
}
.gloss {
  display: grid;
  grid-template-columns: 1fr;
  gap: 4px;
  padding: 20px 0;
  border-bottom: 1px solid var(--line);
}
.gloss dt {
  font-family: var(--font-display);
  font-size: 1.1rem;
  color: var(--navy);
}
.gloss dd {
  margin: 0;
  font-size: 0.96rem;
  max-width: 64ch;
}
@media (min-width: 768px) {
  .gloss {
    grid-template-columns: 0.32fr 1fr;
    gap: 32px;
    align-items: baseline;
  }
}

.doc-list {
  list-style: none;
  padding: 0;
  margin: 0;
  font-size: 0.95rem;
}
.doc-list li {
  position: relative;
  padding-left: 26px;
  margin-bottom: 10px;
}
.doc-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.72em;
  width: 9px;
  height: 5px;
  border-top: 1.5px solid var(--gold);
  border-left: 1.5px solid var(--gold);
  border-right: 1.5px solid var(--gold);
  clip-path: polygon(0% 100%, 50% 0%, 100% 100%);
}

/* The mobile drawer now carries 19 services. Cap the height and scroll. */
.mobile-nav {
  max-height: calc(100vh - 92px);
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
}

/* ==========================================================================
   About page: photographic hero and the editorial split section.
   Scoped with .about- prefixes so nothing else on the site is affected.
   ========================================================================== */

/* ------------------------------- hero ---------------------------------- */

.photo-hero,
.about-hero {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  border-bottom: 1px solid var(--line);
  min-height: 600px;
  display: flex;
  align-items: center;
  padding: 72px 0;
}

.photo-hero__media,
.about-hero__media {
  position: absolute;
  inset: 0;
  z-index: -2;
  background-image: url("about-hero.jpg");
  background-size: cover;
  background-position: 62% center; /* keeps the clipboard and house model in frame */
  background-repeat: no-repeat;
}

/* Two stacked washes.
   1. A flat cream veil over the whole image so it never competes with type.
   2. A left-to-right gradient that keeps the text side effectively opaque.
   Measured: navy #142644 on the resulting left-hand background clears WCAG AA. */
.photo-hero__scrim,
.about-hero__scrim {
  position: absolute;
  inset: 0;
  z-index: -1;
  background:
    linear-gradient(
      to right,
      rgba(247, 244, 239, 0.99) 0%,
      rgba(247, 244, 239, 0.985) 42%,
      rgba(247, 244, 239, 0.9) 56%,
      rgba(247, 244, 239, 0.45) 76%,
      rgba(247, 244, 239, 0.3) 100%
    ),
    linear-gradient(rgba(247, 244, 239, 0.28), rgba(247, 244, 239, 0.28));
}

.photo-hero__inner,
.about-hero__inner {
  max-width: 40rem;
}

.photo-hero .eyebrow,
.about-hero .eyebrow {
  margin-bottom: 18px;
}
.photo-hero .eyebrow::after,
.about-hero .eyebrow::after {
  content: "";
  display: block;
  width: 64px;
  height: 1px;
  background: var(--gold);
  margin-top: 12px;
  opacity: 0.7;
}

.photo-hero__rule,
.about-hero__rule {
  max-width: 300px;
  margin: 28px 0;
}

.photo-hero__lead,
.about-hero__lead {
  font-size: 1.08rem;
  line-height: 1.75;
  max-width: 30em;
  color: var(--body);
}

@media (max-width: 767px) {
  .photo-hero,
.about-hero {
    min-height: 0;
    padding: 56px 0 60px;
  }
  /* On a narrow viewport there is no room for a bright text column beside the
     image, so the veil goes flat and heavy instead of directional. */
  .photo-hero__scrim,
.about-hero__scrim {
    background:
      linear-gradient(
        to bottom,
        rgba(247, 244, 239, 0.97) 0%,
        rgba(247, 244, 239, 0.94) 62%,
        rgba(247, 244, 239, 0.8) 100%
      ),
      linear-gradient(rgba(247, 244, 239, 0.3), rgba(247, 244, 239, 0.3));
  }
  .photo-hero__media,
.about-hero__media {
    background-position: 70% center;
  }
}

/* --------------------------- editorial split ---------------------------- */

.about-split {
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
  padding: 64px 0;
}

.about-figure {
  margin: 0; /* <figure> ships with a 40px inline margin by default */
  position: relative;
  border-radius: 16px;
  overflow: hidden;
  min-height: 260px;
  background-image: url("about-desk.jpg");
  background-size: cover;
  background-position: center;
}

/* The fade the brief asks for. On desktop it runs toward the text column on the
   right. On mobile the image sits above the text, so it fades downward instead. */
.about-figure::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to bottom,
    rgba(247, 244, 239, 0) 55%,
    rgba(247, 244, 239, 0.85) 100%
  );
}

.about-body p {
  line-height: 1.78;
  max-width: 60ch;
}
.about-body h2 {
  font-size: clamp(1.6rem, 2.6vw, 2.05rem);
  margin: 0 0 16px;
}
.about-body__block + .about-body__block {
  margin-top: 56px;
}
.about-body__block:last-child p:last-child {
  margin-bottom: 0;
}

.about-aside > * + * {
  margin-top: 24px;
}
.about-aside .card {
  box-shadow: 0 2px 4px rgba(20, 38, 68, 0.04), 0 24px 48px -28px rgba(20, 38, 68, 0.22);
}

@media (min-width: 768px) {
  .about-split {
    padding: 76px 0;
  }
}

@media (min-width: 1024px) and (max-width: 1279px) {
  /* Not enough room for three columns at this width. The photograph becomes a
     full-width band above, and the text sits beside the cards. */
  .about-split {
    grid-template-columns: minmax(0, 1fr) 300px;
    gap: 44px;
    padding: 84px 0;
    align-items: start;
  }
  .about-figure {
    grid-column: 1 / -1;
    height: 300px;
  }
  .about-aside {
    position: sticky;
    top: 132px;
  }
}

@media (min-width: 1280px) {
  /* Three columns do not fit the standard 1180px grid: either the figure
     collapses to a sliver or the reading column drops below a comfortable
     measure. This section alone runs on a wider container so the photograph
     holds the 28-32% the design calls for while the text keeps roughly 60
     characters a line. Fixed outer tracks, because an fr track consumes all
     free space and starves a minmax() sibling. */
  .about-split {
    max-width: 1320px;
    grid-template-columns: 320px minmax(0, 1fr) 320px;
    gap: 48px;
    padding: 96px 0;
    align-items: start;
  }
  .about-figure {
    position: sticky;
    top: 132px;
    height: 620px;
    min-height: 0;
  }
  .about-figure::after {
    background: linear-gradient(
      to right,
      rgba(247, 244, 239, 0) 58%,
      rgba(247, 244, 239, 0.9) 100%
    );
  }
  .about-aside {
    position: sticky;
    top: 132px;
  }
  .about-body__block + .about-body__block {
    margin-top: 64px;
  }
}

/* ==========================================================================
   Services hub: editorial category blocks and premium service cards.
   ========================================================================== */

.photo-hero__media--services {
  background-image: url("svc-hero.jpg");
  background-position: 55% center;
}

.eyebrow--underlined::after {
  content: "";
  display: block;
  width: 56px;
  height: 1px;
  background: var(--gold);
  margin-top: 10px;
  opacity: 0.75;
}

.svc-wrap {
  padding-top: 72px;
  padding-bottom: 24px;
}

/* --------------------------- category block ----------------------------- */

.svc-block {
  padding-bottom: 76px;
}
.svc-block + .svc-block {
  padding-top: 20px;
}

.svc-block__head {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
  align-items: center;
  margin-bottom: 40px;
}

.svc-block__intro .h-lg {
  margin: 6px 0 0;
}

.svc-block__copy {
  margin: 20px 0 0;
  font-size: 1.02rem;
  line-height: 1.8;
  max-width: 34em;
}

.svc-divider {
  margin-top: 28px;
  max-width: 460px;
}

.svc-block__figure {
  margin: 0;
  border-radius: 16px;
  overflow: hidden;
  background: var(--line);
}
.svc-block__figure img {
  display: block;
  width: 100%;
  height: 260px;
  object-fit: cover;
}

@media (min-width: 900px) {
  .svc-block__head {
    grid-template-columns: 1fr 1fr;
    gap: 56px;
  }
  .svc-block__figure img {
    height: 380px;
  }
  .svc-block {
    padding-bottom: 104px;
  }
}

/* ------------------------------- cards ---------------------------------- */

.svc-cards {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
}
@media (min-width: 768px) {
  .svc-cards {
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
  }
}

.svc-card {
  position: relative;
  display: flex;
  gap: 20px;
  align-items: flex-start;
  background: var(--white);
  border: 1px solid rgba(225, 218, 208, 0.7);
  border-radius: 16px;
  padding: 26px 28px;
  text-decoration: none;
  color: var(--body);
  overflow: hidden;
  box-shadow: 0 1px 2px rgba(20, 38, 68, 0.03), 0 18px 34px -26px rgba(20, 38, 68, 0.22);
  transition: transform 0.22s ease, box-shadow 0.22s ease, border-color 0.22s ease;
}

/* Thin gold accent line, drawn in on hover and focus. */
.svc-card::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0;
  height: 2px;
  width: 100%;
  background: linear-gradient(to right, var(--gold), rgba(194, 154, 69, 0));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.28s ease;
}
.svc-card:hover,
.svc-card:focus-visible {
  transform: translateY(-3px);
  border-color: rgba(194, 154, 69, 0.45);
  box-shadow: 0 2px 4px rgba(20, 38, 68, 0.04), 0 26px 44px -26px rgba(20, 38, 68, 0.3);
}
.svc-card:hover::before,
.svc-card:focus-visible::before {
  transform: scaleX(1);
}

.svc-card__icon {
  flex: none;
  width: 54px;
  height: 54px;
  border-radius: 50%;
  background: var(--gold-soft);
  color: var(--gold-deep);
  display: flex;
  align-items: center;
  justify-content: center;
}
.svc-card__icon svg {
  width: 26px;
  height: 26px;
}

.svc-card__body {
  display: block;
}
.svc-card__title {
  display: block;
  font-family: var(--font-display);
  font-size: 1.22rem;
  line-height: 1.25;
  color: var(--navy);
  margin-bottom: 8px;
}
.svc-card__desc {
  display: block;
  font-size: 0.94rem;
  line-height: 1.65;
}
.svc-card__more {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 16px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--gold-deep);
}
.svc-card__more svg {
  transition: transform 0.22s ease;
}
.svc-card:hover .svc-card__more svg {
  transform: translateX(4px);
}

/* Commercial has a single service, so the card runs full width and the
   qualifying points sit beside it rather than leaving an empty grid cell. */
.svc-cards--single {
  grid-template-columns: 1fr;
}
.svc-card--wide {
  padding: 32px;
}

.svc-points {
  list-style: none;
  margin: 0;
  padding: 4px 4px 0;
  display: grid;
  gap: 18px;
}
.svc-points li {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  font-size: 0.96rem;
  line-height: 1.65;
}
.svc-points svg {
  flex: none;
  margin-top: 3px;
  color: var(--gold-deep);
}

@media (min-width: 900px) {
  .svc-cards--single {
    grid-template-columns: 1.05fr 1fr;
    align-items: center;
    gap: 40px;
  }
  .svc-points {
    padding-left: 40px;
    border-left: 1px solid var(--line);
  }
}

/* ------------------------------- closer --------------------------------- */

.svc-close {
  text-align: center;
  padding: 16px 0 88px;
  max-width: 44rem;
  margin: 0 auto;
}
.svc-close p {
  margin: 16px auto 32px;
  max-width: 34em;
}

/* ========================================================================
   2026 EDITORIAL REDESIGN
   A calm, high-trust visual system shared by every page.
   ======================================================================== */

:root {
  --navy: #102b3f;
  --navy-deep: #081c2a;
  --navy-mid: #1e4a63;
  --gold: #c59a52;
  --gold-deep: #8c6426;
  --gold-soft: #f3ead9;
  --paper: #f6f4ef;
  --ink: #13202a;
  --body: #53616a;
  --line: #dce1e3;
  --white: #ffffff;
  --wrap: 1240px;
  --font-display: "Newsreader", Georgia, serif;
  --font-sans: "DM Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --shadow-card: 0 18px 50px -35px rgba(8, 28, 42, 0.42);
}

body {
  font-size: 16.5px;
  line-height: 1.68;
  background: var(--paper);
  color: var(--body);
}

h1,
h2,
h3,
h4 {
  letter-spacing: -0.025em;
}

.wrap {
  padding-inline: clamp(20px, 4vw, 36px);
}

.section {
  padding: clamp(76px, 9vw, 120px) 0;
}

.section--tight {
  padding: clamp(60px, 7vw, 88px) 0;
}

.section--white {
  background: #fff;
}

.h-xl {
  font-size: clamp(3.25rem, 6.6vw, 6.25rem);
  line-height: 0.94;
  letter-spacing: -0.05em;
}

.h-lg {
  font-size: clamp(2.45rem, 4.6vw, 4.25rem);
  line-height: 1.02;
  letter-spacing: -0.04em;
}

.h-md {
  font-size: clamp(1.85rem, 3vw, 2.7rem);
}

.eyebrow {
  color: var(--gold-deep);
  font-size: 0.73rem;
  letter-spacing: 0.18em;
  font-weight: 700;
}

.lead {
  font-size: clamp(1.05rem, 1.4vw, 1.2rem);
  line-height: 1.72;
}

.btn {
  min-height: 50px;
  padding: 13px 22px;
  border-radius: 999px;
  font-size: 0.88rem;
  font-weight: 700;
  letter-spacing: 0.01em;
  transition: transform 0.2s ease, box-shadow 0.2s ease, background-color 0.2s ease, border-color 0.2s ease, color 0.2s ease;
}

.btn:hover {
  transform: translateY(-2px);
}

.btn--gold {
  background: var(--gold-deep);
  box-shadow: 0 14px 28px -18px rgba(140, 100, 38, 0.8);
}

.btn--gold:hover {
  background: #72501c;
}

.btn--primary {
  background: var(--navy);
  box-shadow: 0 14px 28px -18px rgba(8, 28, 42, 0.7);
}

.btn--ghost {
  background: rgba(255, 255, 255, 0.56);
  border-color: rgba(16, 43, 63, 0.2);
}

.card,
.grid-collapse > * {
  border-color: var(--line);
  border-radius: 14px;
  box-shadow: var(--shadow-card);
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 60;
  background: rgba(255, 255, 255, 0.94);
  border-bottom: 1px solid rgba(16, 43, 63, 0.08);
  backdrop-filter: blur(16px);
}

.header-inner {
  min-height: 84px;
}

.lockup__divider {
  background: rgba(16, 43, 63, 0.16);
}

.nav {
  gap: 21px;
}

.nav a:not(.btn) {
  font-size: 0.82rem;
  font-weight: 650;
  color: #2f414d;
}

.nav a:not(.btn):hover,
.nav a.is-current {
  color: var(--gold-deep);
}

.nav .nav-phone {
  color: var(--navy);
}

.mobile-nav {
  background: #fff;
}

.hero--editorial {
  position: relative;
  overflow: hidden;
  min-height: auto;
  background:
    radial-gradient(circle at 8% 0%, rgba(197, 154, 82, 0.13), transparent 34%),
    linear-gradient(145deg, #f9f7f2 0%, #f2f0ea 100%);
  padding: clamp(64px, 8vw, 112px) 0 clamp(72px, 9vw, 124px);
}

.hero--editorial::before {
  content: "";
  position: absolute;
  width: 340px;
  height: 340px;
  left: -230px;
  bottom: -190px;
  border: 1px solid rgba(197, 154, 82, 0.28);
  border-radius: 50%;
}

.hero-grid {
  position: relative;
  display: grid;
  gap: 54px;
  align-items: center;
}

.hero-copy {
  max-width: 700px;
}

.hero-copy .h-xl {
  max-width: 9.5ch;
}

.hero-copy .lead {
  max-width: 37rem;
  margin: 28px 0 0;
}

.hero-actions {
  margin-top: 34px;
}

.hero-proof {
  display: flex;
  flex-wrap: wrap;
  gap: 12px 22px;
  margin-top: 34px;
  color: #42525c;
  font-size: 0.78rem;
  font-weight: 650;
}

.hero-proof span {
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.hero-proof span::before {
  content: "";
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--gold);
  box-shadow: 0 0 0 4px rgba(197, 154, 82, 0.14);
}

.hero-visual {
  position: relative;
  min-width: 0;
}

.hero-photo {
  width: 100%;
  min-height: 440px;
  aspect-ratio: 0.9;
  object-fit: cover;
  object-position: 58% center;
  border-radius: 18px 18px 110px 18px;
  box-shadow: 0 42px 80px -42px rgba(8, 28, 42, 0.65);
}

.hero-float {
  position: absolute;
  left: -28px;
  bottom: 38px;
  min-width: 205px;
  padding: 22px 24px;
  background: var(--navy-deep);
  color: #fff;
  border-radius: 12px;
  box-shadow: 0 24px 48px -28px rgba(8, 28, 42, 0.85);
}

.hero-float__label {
  display: block;
  margin-bottom: 6px;
  color: var(--gold);
  font-size: 0.67rem;
  font-weight: 700;
  letter-spacing: 0.17em;
  text-transform: uppercase;
}

.hero-float strong {
  font-family: var(--font-display);
  font-size: 1.45rem;
  line-height: 1.12;
  font-weight: 500;
}

@media (min-width: 960px) {
  .hero-grid {
    grid-template-columns: minmax(0, 1.06fr) minmax(390px, 0.78fr);
    gap: clamp(58px, 7vw, 100px);
  }
}

@media (max-width: 959px) {
  .hero-visual {
    max-width: 720px;
  }
  .hero-photo {
    aspect-ratio: 16 / 10;
    min-height: 380px;
  }
  .hero-float {
    left: 20px;
  }
}

@media (max-width: 560px) {
  .hero--editorial {
    padding-top: 48px;
  }
  .hero-photo {
    min-height: 350px;
    aspect-ratio: 4 / 5;
    border-radius: 14px 14px 70px 14px;
  }
  .hero-float {
    right: 18px;
    left: auto;
    bottom: 18px;
    min-width: 180px;
  }
}

.trust-bar {
  background: var(--navy-deep);
  border: 0;
}

.trust-grid {
  color: rgba(255, 255, 255, 0.62);
}

.trust-grid > div {
  border-color: rgba(255, 255, 255, 0.13);
}

.trust-grid dt {
  color: #fff;
  font-family: var(--font-sans);
  font-size: 0.88rem;
  letter-spacing: -0.01em;
}

.trust-grid dd {
  color: rgba(255, 255, 255, 0.6);
  font-size: 0.78rem;
}

.section-head {
  max-width: 760px;
  margin-bottom: 46px;
}

.section-head p:not(.eyebrow) {
  max-width: 42rem;
  font-size: 1rem;
}

.featured-services {
  gap: 16px;
}

.featured-services > * {
  margin: 0;
  border: 1px solid var(--line);
  padding: 30px;
}

.service-card {
  position: relative;
  border-radius: 14px;
  overflow: hidden;
  transition: transform 0.24s ease, border-color 0.24s ease, box-shadow 0.24s ease;
}

.service-card::after {
  content: "";
  position: absolute;
  top: 0;
  right: 0;
  width: 74px;
  height: 74px;
  background: linear-gradient(225deg, rgba(197, 154, 82, 0.14), transparent 60%);
  pointer-events: none;
}

.service-card:hover {
  transform: translateY(-5px);
  border-color: rgba(197, 154, 82, 0.55);
  box-shadow: 0 28px 58px -38px rgba(8, 28, 42, 0.55);
}

.service-card h3 {
  font-size: 1.42rem;
}

.service-number {
  display: block;
  margin-bottom: 28px;
  color: var(--gold-deep);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.15em;
}

.more,
.service-card .more {
  color: var(--gold-deep);
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.04em;
}

.editorial-feature {
  display: grid;
  gap: 46px;
  align-items: center;
}

.editorial-feature__media {
  position: relative;
}

.editorial-feature__media::before {
  content: "";
  position: absolute;
  inset: -18px 18px 18px -18px;
  border: 1px solid rgba(197, 154, 82, 0.5);
  border-radius: 18px;
}

.editorial-feature__media img {
  position: relative;
  width: 100%;
  aspect-ratio: 4 / 3;
  object-fit: cover;
  border-radius: 18px 80px 18px 18px;
  box-shadow: 0 35px 68px -45px rgba(8, 28, 42, 0.7);
}

.editorial-feature__copy {
  max-width: 590px;
}

.editorial-feature__copy > p:not(.eyebrow) {
  margin-top: 24px;
}

.feature-list {
  list-style: none;
  padding: 0;
  margin: 28px 0 32px;
  display: grid;
  gap: 14px;
}

.feature-list li {
  position: relative;
  padding-left: 30px;
  color: #334651;
  font-weight: 600;
}

.feature-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  top: 0;
  color: var(--gold-deep);
  font-weight: 700;
}

@media (min-width: 900px) {
  .editorial-feature {
    grid-template-columns: 1.04fr 0.96fr;
    gap: clamp(60px, 8vw, 112px);
  }
}

.section--navy,
.section--navy-deep {
  position: relative;
  overflow: hidden;
}

.section--navy::after,
.section--navy-deep::after {
  content: "";
  position: absolute;
  width: 360px;
  height: 360px;
  border: 1px solid rgba(197, 154, 82, 0.17);
  border-radius: 50%;
  right: -210px;
  top: -190px;
}

.compare {
  gap: 16px;
}

.compare__col {
  border: 1px solid rgba(255, 255, 255, 0.13);
  border-radius: 14px;
  background: rgba(255, 255, 255, 0.04);
}

.compare__col--highlight {
  background: #fff;
  box-shadow: 0 28px 64px -38px rgba(0, 0, 0, 0.65);
}

.agent {
  padding: clamp(28px, 4vw, 40px);
  gap: 26px;
  border-radius: 16px;
}

.monogram {
  width: 76px;
  height: 76px;
  background: var(--navy);
  color: var(--gold);
  border: 6px solid var(--gold-soft);
  font-size: 1.65rem;
}

.agent h3 {
  font-size: 1.7rem;
}

.agent__licence {
  color: #4a5963;
  font-size: 0.72rem;
}

.calc {
  gap: 18px;
}

.calc > .card,
.calc__results {
  border-radius: 16px;
}

.field {
  border-radius: 9px;
  border-color: #ccd4d8;
}

.page-head {
  padding: clamp(64px, 8vw, 104px) 0;
  background:
    radial-gradient(circle at 88% 15%, rgba(197, 154, 82, 0.16), transparent 28%),
    var(--navy-deep);
}

.page-head h1,
.page-head .h-lg {
  color: #fff;
}

.page-head .lead,
.page-head p:not(.eyebrow) {
  color: rgba(255, 255, 255, 0.68);
}

.photo-hero,
.about-hero {
  min-height: 540px;
}

.photo-hero__scrim,
.about-hero__scrim {
  background: linear-gradient(90deg, rgba(8, 28, 42, 0.95) 0%, rgba(8, 28, 42, 0.72) 52%, rgba(8, 28, 42, 0.15) 100%);
}

.about-hero__media {
  background-image: url("couple-moving.jpg");
  background-position: 58% center;
}

.about-figure {
  background-image: url("home-detail.jpg");
  background-position: center;
}

.photo-hero__media--services {
  background-image: url("hero-home.jpg");
  background-position: center 58%;
}

.inline-cta {
  border-radius: 16px;
}

.map-card,
.map-card iframe {
  border-radius: 16px;
}

.site-footer {
  background: #061720;
  padding-top: clamp(70px, 9vw, 112px);
}

.site-footer h3 {
  font-family: var(--font-sans);
  font-size: 0.76rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.footer-subhead {
  color: var(--gold);
}

.footer-legal {
  color: rgba(255, 255, 255, 0.47);
}

.legacy-form {
  display: none !important;
}

.secure-apply {
  padding: clamp(30px, 5vw, 54px);
}

.secure-apply > p:not(.eyebrow):not(.form-foot) {
  max-width: 44rem;
  margin-top: 22px;
}

.secure-apply__points {
  display: grid;
  gap: 14px;
  margin: 32px 0;
}

.secure-apply__points > div {
  display: grid;
  grid-template-columns: 34px 1fr;
  column-gap: 14px;
  padding: 20px 0;
  border-top: 1px solid var(--line);
}

.secure-apply__points span {
  grid-row: 1 / 3;
  color: var(--gold-deep);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.12em;
}

.secure-apply__points strong {
  color: var(--navy);
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 600;
}

.secure-apply__points p {
  margin: 5px 0 0;
  font-size: 0.9rem;
}

.secure-apply .form-foot {
  margin-top: 20px;
}

@media (prefers-reduced-motion: reduce) {
  .btn,
  .service-card {
    transition: none;
  }
}

/* ========================================================================
   2026-08 client revision: richer banners, clearer navigation and contact
   ======================================================================== */

/* Desktop service menu */
.nav-dropdown {
  position: relative;
  display: flex;
  align-items: center;
}

.nav-dropdown__trigger span {
  display: inline-block;
  margin-left: 3px;
  font-size: 0.9em;
  transition: transform 180ms ease;
}

.nav-dropdown::after {
  content: "";
  position: absolute;
  top: 100%;
  left: -30px;
  width: 180px;
  height: 24px;
}

.nav-mega {
  position: absolute;
  top: calc(100% + 20px);
  left: 50%;
  z-index: 90;
  width: min(960px, calc(100vw - 40px));
  padding: 28px;
  display: grid;
  grid-template-columns: 1.1fr repeat(4, 1fr);
  gap: 24px;
  background: rgba(255, 255, 255, 0.99);
  border: 1px solid rgba(16, 43, 63, 0.1);
  border-radius: 16px;
  box-shadow: 0 28px 72px -26px rgba(6, 23, 32, 0.46);
  opacity: 0;
  visibility: hidden;
  transform: translate(-45%, 8px);
  transition: opacity 170ms ease, transform 170ms ease, visibility 170ms ease;
}

.nav-dropdown:hover .nav-mega,
.nav-dropdown:focus-within .nav-mega {
  opacity: 1;
  visibility: visible;
  transform: translate(-45%, 0);
}

.nav-dropdown:hover .nav-dropdown__trigger span,
.nav-dropdown:focus-within .nav-dropdown__trigger span {
  transform: rotate(180deg);
}

.nav-mega__intro {
  padding: 3px 22px 3px 0;
  border-right: 1px solid var(--line);
}

.nav-mega__intro .eyebrow {
  display: block;
  margin-bottom: 12px;
  font-size: 0.64rem;
}

.nav-mega__intro strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1.42rem;
  line-height: 1.12;
  color: var(--navy);
}

.nav .nav-mega__intro .nav-mega__all {
  display: inline-block;
  margin-top: 22px;
  color: var(--gold-deep);
}

.nav-mega__group p {
  margin: 0 0 9px;
  font-size: 0.66rem;
  font-weight: 750;
  letter-spacing: 0.11em;
  line-height: 1.35;
  text-transform: uppercase;
  color: var(--gold-deep);
}

.nav .nav-mega__group a {
  display: block;
  padding: 5px 0;
  font-size: 0.77rem;
  font-weight: 520;
  line-height: 1.35;
  color: #3f515c;
}

.nav .nav-mega__group a:hover,
.nav .nav-mega__group a:focus-visible {
  color: var(--navy);
  transform: translateX(2px);
}

.nav .nav-phone--button {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 9px 12px;
  border: 1px solid rgba(16, 43, 63, 0.19);
  border-radius: 999px;
  white-space: nowrap;
}

.nav .nav-phone--button:hover {
  border-color: var(--gold);
  background: var(--gold-soft);
}

.nav .nav-apply,
.nav .nav-apply:hover,
.nav .nav-apply:focus-visible,
.mobile-nav .btn--gold,
.mobile-nav .btn--gold:hover,
.mobile-nav .btn--gold:focus-visible {
  color: #fff !important;
}

@media (min-width: 1024px) and (max-width: 1219px) {
  .nav {
    display: none;
  }

  .nav-toggle {
    display: flex;
  }

  .mobile-nav.is-open {
    display: block !important;
  }
}

@media (min-width: 1220px) {
  .nav {
    display: flex;
    gap: clamp(10px, 1.15vw, 19px);
  }

  .nav-toggle {
    display: none;
  }

  .mobile-nav {
    display: none !important;
  }

  .nav a:not(.btn) {
    font-size: clamp(0.71rem, 0.73vw, 0.81rem);
  }
}

/* Mobile navigation */
.mobile-nav__inner {
  display: grid;
  gap: 2px;
}

.mobile-nav a.is-current {
  color: var(--gold-deep);
}

.mobile-services {
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  margin: 4px 0;
}

.mobile-services summary {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 11px 0;
  list-style: none;
  cursor: pointer;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--navy);
}

.mobile-services summary::-webkit-details-marker {
  display: none;
}

.mobile-services[open] summary span {
  transform: rotate(45deg);
}

.mobile-services__links {
  padding: 0 0 16px 15px;
  border-left: 1px solid rgba(197, 154, 82, 0.48);
}

.mobile-services__heading {
  margin: 15px 0 4px;
  font-size: 0.65rem;
  font-weight: 750;
  letter-spacing: 0.11em;
  text-transform: uppercase;
  color: var(--gold-deep);
}

.mobile-nav .mobile-services__links a {
  padding: 5px 0;
  font-size: 0.9rem;
  font-weight: 500;
  color: #42545f;
}

.mobile-nav .mobile-services__links .mobile-services__all {
  color: var(--navy);
  font-weight: 700;
}

.mobile-nav__actions {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  padding-top: 16px;
}

.mobile-nav__actions .btn {
  display: inline-flex;
  justify-content: center;
  padding: 12px 10px;
  font-size: 0.82rem;
}

/* Consistent image-backed inner-page banners */
.page-head {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  min-height: clamp(320px, 34vw, 430px);
  padding: clamp(76px, 9vw, 118px) 0;
  display: flex;
  align-items: center;
  background:
    linear-gradient(90deg, rgba(6, 23, 32, 0.94) 0%, rgba(6, 23, 32, 0.76) 50%, rgba(6, 23, 32, 0.32) 100%),
    url("hero-home.jpg") center 56% / cover no-repeat;
  border-bottom: 1px solid rgba(197, 154, 82, 0.28);
}

.page-head::after {
  content: "";
  position: absolute;
  z-index: -1;
  inset: 18px;
  border: 1px solid rgba(255, 255, 255, 0.08);
  pointer-events: none;
}

.page-head .wrap {
  position: relative;
  z-index: 1;
  width: 100%;
}

.page-head .h-lg,
.page-head h1 {
  max-width: 15ch;
  text-wrap: balance;
  color: #fff;
  text-shadow: 0 3px 24px rgba(0, 0, 0, 0.24);
}

.page-head .lead,
.page-head p:not(.eyebrow) {
  max-width: 40rem;
  color: rgba(255, 255, 255, 0.82);
}

.page-head .eyebrow,
.photo-hero .eyebrow,
.about-hero .eyebrow {
  color: #e6bd78;
}

/* High-contrast text treatment for photo heroes */
.photo-hero,
.about-hero {
  min-height: clamp(500px, 50vw, 650px);
}

.photo-hero__scrim,
.about-hero__scrim {
  background: linear-gradient(90deg, rgba(6, 23, 32, 0.95) 0%, rgba(6, 23, 32, 0.78) 48%, rgba(6, 23, 32, 0.22) 100%);
}

.photo-hero__inner,
.about-hero__inner {
  max-width: 47rem;
}

.photo-hero h1,
.photo-hero .h-xl,
.about-hero h1,
.about-hero .h-xl {
  max-width: 10.5ch;
  color: #fff;
  text-wrap: balance;
  text-shadow: 0 4px 28px rgba(0, 0, 0, 0.34);
}

.photo-hero__lead,
.about-hero__lead {
  color: rgba(255, 255, 255, 0.84);
}

.photo-hero__rule,
.about-hero__rule {
  color: #e6bd78;
}

.about-hero__media {
  background-image: url("simran-gill-hero.jpg");
  background-position: 50% 8%;
}

.about-figure {
  background-image: url("simran-gill-standing.jpeg");
  background-position: center 24%;
}

.photo-hero__media--services {
  background-position: center 58%;
}

@media (max-width: 767px) {
  .page-head {
    min-height: 300px;
    padding: 64px 0;
    background-position: 64% center;
  }

  .photo-hero,
  .about-hero {
    min-height: 500px;
    padding: 62px 0;
  }

  .photo-hero__scrim,
  .about-hero__scrim {
    background: linear-gradient(90deg, rgba(6, 23, 32, 0.93) 0%, rgba(6, 23, 32, 0.79) 72%, rgba(6, 23, 32, 0.58) 100%);
  }

  .about-hero__media {
    background-position: 64% 30%;
  }
}

/* Team photography */
.team-card {
  overflow: hidden;
  padding: 0;
}

.team-card__image {
  width: 100%;
  aspect-ratio: 16 / 10;
  object-fit: cover;
  object-position: center 6%;
  display: block;
}

.team-card__body {
  padding: clamp(25px, 4vw, 38px);
}

/* Legal and policy pages use the full width intentionally. */
.legal-content {
  background: linear-gradient(180deg, #f4f0e8 0%, #faf9f6 100%);
}

.legal-shell {
  display: grid;
  gap: 28px;
  align-items: start;
}

.legal-aside {
  padding: 28px;
  background: var(--navy);
  color: rgba(255, 255, 255, 0.74);
  border-radius: 16px;
  box-shadow: 0 28px 60px -40px rgba(6, 23, 32, 0.75);
}

.legal-aside h2 {
  margin: 0 0 14px;
  color: #fff;
  font-size: 1.55rem;
}

.legal-aside p,
.legal-aside li {
  font-size: 0.9rem;
}

.legal-aside ul {
  margin: 20px 0 24px;
  padding-left: 19px;
}

.legal-aside .btn {
  width: 100%;
  justify-content: center;
  color: #fff;
}

.legal-shell .prose {
  max-width: none;
  margin: 0;
  padding: clamp(28px, 5vw, 52px);
  background: #fff;
  border: 1px solid rgba(16, 43, 63, 0.09);
  border-radius: 16px;
  box-shadow: 0 30px 70px -52px rgba(6, 23, 32, 0.72);
}

@media (min-width: 900px) {
  .legal-shell {
    grid-template-columns: minmax(220px, 0.34fr) minmax(0, 1fr);
    gap: clamp(30px, 5vw, 64px);
  }

  .legal-aside {
    position: sticky;
    top: 118px;
  }
}

/* Floating WhatsApp and call actions */
body {
  padding-bottom: 0;
}

.floating-actions {
  position: fixed;
  right: clamp(14px, 2vw, 26px);
  bottom: clamp(14px, 2vw, 26px);
  z-index: 58;
  display: grid;
  gap: 10px;
  justify-items: end;
}

.floating-action {
  min-height: 50px;
  padding: 8px 17px 8px 8px;
  display: inline-flex;
  align-items: center;
  gap: 9px;
  border-radius: 999px;
  box-shadow: 0 12px 30px -12px rgba(6, 23, 32, 0.6);
  color: #fff;
  font-size: 0.82rem;
  font-weight: 750;
  text-decoration: none;
  transition: transform 160ms ease, box-shadow 160ms ease;
}

.floating-action:hover,
.floating-action:focus-visible {
  transform: translateY(-2px);
  box-shadow: 0 16px 34px -12px rgba(6, 23, 32, 0.72);
  color: #fff;
}

.floating-action--whatsapp {
  background: #128c55;
}

.floating-action--call {
  background: var(--navy);
}

.floating-action__icon {
  width: 34px;
  height: 34px;
  display: inline-grid;
  place-items: center;
  flex: 0 0 34px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.16);
  font-size: 0.86rem;
}

@media (max-width: 520px) {
  .floating-action {
    min-width: 50px;
    width: 50px;
    padding: 8px;
    justify-content: center;
    overflow: hidden;
  }

  .floating-action > span:last-child {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
  }
}

/* ========================================================================
   Homepage refinement: broker value, Simran, process and client reviews
   ======================================================================== */

.why-broker {
  background:
    linear-gradient(90deg, rgba(6, 23, 32, 0.98) 0%, rgba(10, 39, 57, 0.94) 58%, rgba(10, 39, 57, 0.84) 100%),
    url("home-detail.jpg") right center / cover no-repeat;
}

.why-broker .wrap {
  position: relative;
  z-index: 1;
}

.why-broker .section-head {
  max-width: 800px;
}

.why-broker .compare {
  align-items: stretch;
}

.why-broker .compare__col {
  position: relative;
  overflow: hidden;
  padding: clamp(28px, 4vw, 38px);
  border: 1px solid rgba(255, 255, 255, 0.17);
  background: rgba(255, 255, 255, 0.075);
  backdrop-filter: blur(10px);
}

.why-broker .compare__col::after {
  content: "";
  position: absolute;
  width: 125px;
  height: 125px;
  right: -62px;
  top: -62px;
  border: 1px solid rgba(230, 189, 120, 0.22);
  border-radius: 50%;
}

.why-broker .compare__icon {
  width: 48px;
  height: 48px;
  display: inline-grid;
  place-items: center;
  margin-bottom: 25px;
  border: 1px solid rgba(230, 189, 120, 0.48);
  border-radius: 50%;
  color: #e6bd78;
  font-family: var(--font-display);
  font-size: 1.28rem;
  font-weight: 700;
}

.why-broker .compare__col h3,
.why-broker .compare__col li {
  color: rgba(255, 255, 255, 0.88);
}

.why-broker .compare__col h3 {
  color: #fff;
  font-size: 1.32rem;
}

.why-broker .compare__col--highlight {
  background: #fff;
  border-color: rgba(230, 189, 120, 0.8);
  box-shadow: 0 34px 74px -38px rgba(0, 0, 0, 0.88);
}

.why-broker .compare__col--highlight .compare__icon {
  background: var(--gold-soft);
  border-color: rgba(197, 154, 82, 0.45);
  color: var(--gold-deep);
}

.why-broker .compare__col--highlight h3 {
  color: var(--gold-deep);
}

.why-broker .compare__col--highlight li {
  color: #354853;
}

.why-broker .compare__col--highlight li::before {
  color: var(--gold-deep);
}

.agent-feature {
  display: grid;
  gap: clamp(40px, 7vw, 96px);
  align-items: center;
}

.agent-feature__portrait {
  position: relative;
  min-height: 520px;
}

.agent-feature__portrait::before {
  content: "";
  position: absolute;
  inset: -18px 22px 22px -18px;
  border: 1px solid rgba(197, 154, 82, 0.55);
  border-radius: 22px 96px 22px 22px;
}

.agent-feature__portrait img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  display: block;
  object-fit: cover;
  object-position: center 24%;
  border-radius: 22px 96px 22px 22px;
  box-shadow: 0 38px 78px -46px rgba(6, 23, 32, 0.75);
}

.agent-feature__credential {
  position: absolute;
  right: -22px;
  bottom: 28px;
  max-width: calc(100% - 28px);
  padding: 17px 22px;
  background: rgba(6, 23, 32, 0.94);
  color: #fff;
  border: 1px solid rgba(230, 189, 120, 0.3);
  border-radius: 12px;
  box-shadow: 0 20px 46px -24px rgba(6, 23, 32, 0.8);
  backdrop-filter: blur(10px);
}

.agent-feature__credential strong,
.agent-feature__credential span {
  display: block;
}

.agent-feature__credential strong {
  font-family: var(--font-display);
  font-size: 1.25rem;
}

.agent-feature__credential span {
  margin-top: 3px;
  color: rgba(255, 255, 255, 0.66);
  font-size: 0.72rem;
  letter-spacing: 0.04em;
}

.agent-feature__copy {
  max-width: 620px;
}

.agent-feature__copy .lead {
  margin-top: 24px;
  color: #465963;
}

@media (min-width: 900px) {
  .agent-feature {
    grid-template-columns: minmax(340px, 0.86fr) minmax(0, 1.14fr);
  }
}

@media (max-width: 899px) {
  .agent-feature__portrait {
    min-height: 560px;
    max-width: 620px;
  }
}

@media (max-width: 520px) {
  .agent-feature__portrait {
    min-height: 430px;
  }

  .agent-feature__credential {
    right: -8px;
    bottom: 18px;
  }
}

.process-grid {
  gap: 16px;
}

.process-grid > * {
  margin: 0;
}

.process-card {
  position: relative;
  min-height: 310px;
  padding: 28px;
  overflow: hidden;
  background: linear-gradient(145deg, #fff 0%, #f8f5ef 100%);
}

.process-card::after {
  content: "";
  position: absolute;
  width: 120px;
  height: 120px;
  right: -70px;
  bottom: -70px;
  border: 1px solid rgba(197, 154, 82, 0.32);
  border-radius: 50%;
}

.process-icon {
  width: 56px;
  height: 56px;
  display: grid;
  place-items: center;
  margin-bottom: 36px;
  background: var(--navy);
  color: #e6bd78;
  border-radius: 14px;
  box-shadow: 0 15px 28px -18px rgba(6, 23, 32, 0.7);
  font-family: var(--font-display);
  font-size: 1.35rem;
  font-weight: 700;
}

.process-card .step-num {
  position: absolute;
  top: 28px;
  right: 28px;
  margin: 0;
  color: rgba(197, 154, 82, 0.56);
  font-size: 1rem;
  font-family: var(--font-sans);
  font-weight: 750;
  letter-spacing: 0.12em;
}

.process-card h3 {
  color: var(--navy);
}

.section--testimonials {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(circle at 92% 0%, rgba(197, 154, 82, 0.16), transparent 30%),
    linear-gradient(145deg, #f0ece4 0%, #faf8f4 100%);
}

.testimonials-grid {
  display: grid;
  gap: 18px;
}

.testimonial {
  min-height: 340px;
  padding: clamp(28px, 4vw, 38px);
  display: flex;
  flex-direction: column;
  background: #fff;
  border: 1px solid rgba(16, 43, 63, 0.09);
  border-radius: 16px;
  box-shadow: 0 30px 70px -52px rgba(6, 23, 32, 0.72);
}

.testimonial--feature {
  background: var(--navy);
  border-color: var(--navy);
  color: rgba(255, 255, 255, 0.82);
}

.testimonial__stars {
  color: #d99d26;
  letter-spacing: 0.13em;
  font-size: 1rem;
}

.testimonial blockquote {
  margin: 26px 0 34px;
  color: var(--navy);
  font-family: var(--font-display);
  font-size: clamp(1.22rem, 2vw, 1.48rem);
  line-height: 1.42;
}

.testimonial--feature blockquote {
  color: #fff;
}

.testimonial footer {
  margin-top: auto;
  display: grid;
  gap: 3px;
}

.testimonial footer strong {
  color: var(--navy);
}

.testimonial--feature footer strong {
  color: #fff;
}

.testimonial footer span {
  color: #6d7b83;
  font-size: 0.74rem;
}

.testimonial--feature footer span {
  color: rgba(255, 255, 255, 0.54);
}

.testimonial__rating {
  display: block;
  margin-top: 30px;
  color: var(--navy);
  font-family: var(--font-display);
  font-size: clamp(1.65rem, 3vw, 2.25rem);
}

.testimonial--rating > p {
  margin-top: 12px;
}

.testimonial-note {
  margin-top: 25px;
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 16px;
  color: #6e7d85;
  font-size: 0.78rem;
}

@media (min-width: 900px) {
  .testimonials-grid {
    grid-template-columns: 1.15fr 1.15fr 0.7fr;
  }
}

.final-cta {
  position: relative;
  isolation: isolate;
  background:
    linear-gradient(90deg, rgba(6, 23, 32, 0.96) 0%, rgba(6, 23, 32, 0.78) 52%, rgba(6, 23, 32, 0.48) 100%),
    url("couple-keys.jpg") center 42% / cover no-repeat;
}

.final-cta::before {
  content: "";
  position: absolute;
  z-index: -1;
  inset: 18px;
  border: 1px solid rgba(230, 189, 120, 0.22);
  pointer-events: none;
}

.final-cta .wrap {
  position: relative;
  z-index: 1;
}

.final-cta .h-lg {
  max-width: 13ch;
  margin-inline: auto;
  color: #fff;
  text-wrap: balance;
  text-shadow: 0 4px 26px rgba(0, 0, 0, 0.32);
}

/* Cleaner but complete compliance disclosure. */
.footer-disclosure {
  max-width: 1040px;
  padding: 26px 30px;
  border: 1px solid rgba(255, 255, 255, 0.09);
  border-radius: 14px;
  background: rgba(255, 255, 255, 0.035);
}

.footer-disclosure__title {
  color: #fff;
  font-size: 0.9rem;
  font-weight: 700;
}

.footer-disclosure__agents {
  color: rgba(255, 255, 255, 0.66);
}

.footer-disclosure__notice {
  color: rgba(255, 255, 255, 0.46);
  font-size: 0.76rem;
  line-height: 1.65;
}

.footer-disclosure .copyright {
  margin-bottom: 0;
  padding-top: 4px;
}

/* ========================================================================
   Mortgage pre-qualification form
   ======================================================================== */

.preapproval-layout {
  align-items: start;
}

.preapproval-form {
  padding: clamp(28px, 5vw, 54px);
  border-radius: 18px;
  box-shadow: 0 34px 78px -52px rgba(6, 23, 32, 0.72);
}

.form-intro {
  margin-bottom: 36px;
  padding-bottom: 30px;
  border-bottom: 1px solid var(--line);
}

.form-intro h2 {
  margin-top: 8px;
}

.form-intro > p:last-child {
  max-width: 49rem;
  margin-top: 14px;
  color: #596a73;
}

.preapproval-form .form-steps {
  position: sticky;
  top: 100px;
  z-index: 4;
  margin: 0 -10px 38px;
  padding: 14px 10px 12px;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(12px);
}

.preapproval-form legend {
  margin-bottom: 26px;
  font-size: clamp(1.55rem, 3vw, 2.1rem);
}

.preapproval-form .step > fieldset > * + * {
  margin-top: 24px;
}

.form-grid {
  display: grid;
  gap: 20px;
}

.form-grid > div {
  min-width: 0;
}

.form-grid .field {
  min-height: 50px;
}

.form-grid .span-2 {
  grid-column: 1 / -1;
}

.form-subhead {
  margin: 34px 0 -5px;
  padding-bottom: 9px;
  border-bottom: 1px solid var(--line);
  color: var(--navy);
  font-family: var(--font-display);
  font-size: 1.2rem;
}

.form-hint {
  padding: 13px 15px;
  border-left: 2px solid var(--gold);
  background: var(--gold-soft);
  color: #586972;
  font-size: 0.82rem;
  line-height: 1.6;
}

.preapproval-form .choices label {
  border-radius: 999px;
  padding: 10px 17px;
}

.preapproval-form .form-nav {
  position: sticky;
  bottom: 0;
  z-index: 4;
  margin: 38px -12px -14px;
  padding: 18px 12px 14px;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(12px);
}

.preapproval-form .form-foot {
  padding-top: 20px;
  border-top: 1px solid var(--line);
  line-height: 1.65;
}

@media (min-width: 680px) {
  .form-grid--2 {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

.preapproval-aside .card {
  border-radius: 15px;
}

.document-card h3 {
  margin: 8px 0 18px;
  color: var(--navy);
  font-size: 1.35rem;
}

.application-checklist {
  list-style: none;
  margin: 0 0 22px;
  padding: 0;
  display: grid;
  gap: 11px;
}

.application-checklist li {
  position: relative;
  padding-left: 25px;
  color: #4b5d67;
  font-size: 0.84rem;
  line-height: 1.48;
}

.application-checklist li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--gold-deep);
  font-weight: 800;
}

.secure-note {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  background: var(--navy);
  color: rgba(255, 255, 255, 0.68);
}

.secure-note__icon {
  width: 36px;
  height: 36px;
  display: grid;
  place-items: center;
  flex: 0 0 36px;
  border-radius: 50%;
  background: rgba(230, 189, 120, 0.16);
  color: #e6bd78;
}

.secure-note strong {
  display: block;
  color: #fff;
}

.secure-note p {
  margin: 5px 0 0;
  font-size: 0.78rem;
  line-height: 1.55;
}

.application-ready {
  min-height: 520px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: center;
}

.application-ready__mark {
  width: 64px;
  height: 64px;
  display: grid;
  place-items: center;
  margin-bottom: 25px;
  border-radius: 50%;
  background: var(--gold-soft);
  color: var(--gold-deep);
  font-size: 1.5rem;
  font-weight: 800;
}

.application-ready > p:not(.eyebrow):not(.form-foot) {
  max-width: 44rem;
  margin-top: 15px;
}

.application-summary {
  width: 100%;
  margin: 28px 0;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  border: 1px solid var(--line);
  border-radius: 12px;
  overflow: hidden;
}

.application-summary > div {
  padding: 14px 16px;
  border-bottom: 1px solid var(--line);
}

.application-summary > div:nth-child(odd) {
  border-right: 1px solid var(--line);
}

.application-summary dt {
  color: #718089;
  font-size: 0.66rem;
  font-weight: 750;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.application-summary dd {
  margin: 4px 0 0;
  color: var(--navy);
  font-weight: 650;
}

@media (max-width: 620px) {
  .preapproval-form {
    padding: 24px 18px;
  }

  .preapproval-form .form-steps {
    top: 88px;
  }

  .preapproval-form .form-nav {
    flex-wrap: wrap;
  }

  .preapproval-form .form-nav .btn {
    flex: 1;
    padding-inline: 13px;
  }

  .application-summary {
    grid-template-columns: 1fr;
  }

  .application-summary > div:nth-child(odd) {
    border-right: 0;
  }
}

/* Form navigation feedback and medium-sized inner-page headings. */
.form-validation {
  margin-top: 28px;
  padding: 13px 16px;
  border: 1px solid #d79b70;
  border-radius: 9px;
  background: #fff6ef;
  color: #873e1c;
  font-size: 0.86rem;
  font-weight: 650;
}

.preapproval-form .is-missing.field,
.preapproval-form .is-missing .field,
.preapproval-form .choices.is-missing {
  border-color: #c76036;
  box-shadow: 0 0 0 3px rgba(199, 96, 54, 0.12);
}

.preapproval-form .choices.is-missing {
  padding: 10px;
  border: 1px solid #c76036;
  border-radius: 12px;
}

.page-head h1,
.page-head .h-lg {
  font-size: clamp(2.15rem, 3.6vw, 3.55rem);
  line-height: 1.06;
  letter-spacing: -0.035em;
}

.photo-hero h1,
.photo-hero .h-xl,
.about-hero h1,
.about-hero .h-xl {
  font-size: clamp(2.6rem, 4.4vw, 4.65rem);
  line-height: 0.99;
  letter-spacing: -0.04em;
}

@media (max-width: 620px) {
  .page-head h1,
  .page-head .h-lg {
    font-size: clamp(2rem, 10vw, 2.8rem);
  }

  .photo-hero h1,
  .photo-hero .h-xl,
  .about-hero h1,
  .about-hero .h-xl {
    font-size: clamp(2.35rem, 11vw, 3.15rem);
  }
}

/* ======================================================================
   Icon bullets + at-a-glance strip
   ====================================================================== */

/* ---- shared bullet geometry ---- */

.prose ul li {
  position: relative;
  padding-left: 34px;
  margin-bottom: 11px;
}

.prose ul li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.28em;
  width: 22px;
  height: 22px;
  border: 0;
  clip-path: none;
  border-radius: 50%;
  background-repeat: no-repeat;
  background-position: center;
  background-size: 22px 22px;
}

/* default: gold roof chevron in a soft disc */
.prose ul li::before {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 22 22'%3E%3Ccircle cx='11' cy='11' r='11' fill='%23f3ead9'/%3E%3Cpath d='M6.4 13.2 11 8.2l4.6 5' fill='none' stroke='%238c6426' stroke-width='1.7' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

/* ---- who this is for: navy target dot ---- */
.prose ul.list-who li::before {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 22 22'%3E%3Ccircle cx='11' cy='11' r='11' fill='%23e7ecf1'/%3E%3Ccircle cx='11' cy='11' r='5.6' fill='none' stroke='%23102b3f' stroke-width='1.5'/%3E%3Ccircle cx='11' cy='11' r='1.9' fill='%23102b3f'/%3E%3C/svg%3E");
}

/* ---- tips: gold check ---- */
.prose ul.list-tips li::before {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 22 22'%3E%3Ccircle cx='11' cy='11' r='11' fill='%23f3ead9'/%3E%3Cpath d='M6.2 11.4 9.5 14.6 15.8 7.9' fill='none' stroke='%238c6426' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

/* ---- documents: navy page ---- */
.prose ul.list-docs li::before {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 22 22'%3E%3Ccircle cx='11' cy='11' r='11' fill='%23e7ecf1'/%3E%3Cpath d='M8.1 5.9h4.4l2.4 2.4v7.8H8.1z' fill='none' stroke='%23102b3f' stroke-width='1.35' stroke-linejoin='round'/%3E%3Cpath d='M12.4 5.9v2.5h2.5M9.7 11.6h3.9M9.7 13.8h3.9' fill='none' stroke='%23102b3f' stroke-width='1.2' stroke-linecap='round'/%3E%3C/svg%3E");
}

/* ---- locations: gold map pin ---- */
.prose ul.list-pin li::before {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 22 22'%3E%3Ccircle cx='11' cy='11' r='11' fill='%23f3ead9'/%3E%3Cpath d='M11 5.6c-2.1 0-3.8 1.7-3.8 3.8 0 2.8 3.8 7 3.8 7s3.8-4.2 3.8-7c0-2.1-1.7-3.8-3.8-3.8z' fill='none' stroke='%238c6426' stroke-width='1.4' stroke-linejoin='round'/%3E%3Ccircle cx='11' cy='9.4' r='1.5' fill='%238c6426'/%3E%3C/svg%3E");
}

/* ---- caution: gold alert ---- */
.prose ul.list-watch li::before {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 22 22'%3E%3Ccircle cx='11' cy='11' r='11' fill='%23f3ead9'/%3E%3Cpath d='M11 6.1 16.2 15H5.8z' fill='none' stroke='%238c6426' stroke-width='1.5' stroke-linejoin='round'/%3E%3Cpath d='M11 9.6v2.3' stroke='%238c6426' stroke-width='1.6' stroke-linecap='round'/%3E%3Ccircle cx='11' cy='13.4' r='0.85' fill='%238c6426'/%3E%3C/svg%3E");
}

/* aside link lists keep their own look */
.aside-list li::before {
  content: none;
}

/* ---- at a glance strip ---- */

.glance {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
  border-radius: 4px;
  overflow: hidden;
  margin: 26px 0 34px;
  max-width: 68ch;
}

.glance__item {
  background: var(--white);
  padding: 18px 18px 16px;
  position: relative;
}

.glance__item::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  width: 34px;
  height: 2px;
  background: var(--gold);
}

.glance__value {
  display: block;
  font-family: var(--font-display);
  font-size: 1.32rem;
  line-height: 1.2;
  color: var(--navy);
  margin-bottom: 5px;
}

.glance__label {
  display: block;
  font-size: 0.79rem;
  line-height: 1.4;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: rgba(83, 97, 106, 0.86);
}

@media (max-width: 620px) {
  .glance {
    grid-template-columns: 1fr;
  }
  .glance__value {
    font-size: 1.22rem;
  }
}

/* ---- carry the icon bullets into the checklist components ---- */

.doc-list li {
  padding-left: 32px;
  margin-bottom: 11px;
}
.doc-list li::before {
  content: "";
  top: 0.16em;
  width: 21px;
  height: 21px;
  border: 0;
  clip-path: none;
  border-radius: 50%;
  background-repeat: no-repeat;
  background-position: center;
  background-size: 21px 21px;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 22 22'%3E%3Ccircle cx='11' cy='11' r='11' fill='%23e7ecf1'/%3E%3Cpath d='M8.1 5.9h4.4l2.4 2.4v7.8H8.1z' fill='none' stroke='%23102b3f' stroke-width='1.35' stroke-linejoin='round'/%3E%3Cpath d='M12.4 5.9v2.5h2.5M9.7 11.6h3.9M9.7 13.8h3.9' fill='none' stroke='%23102b3f' stroke-width='1.2' stroke-linecap='round'/%3E%3C/svg%3E");
}

.application-checklist li {
  padding-left: 32px;
  margin-bottom: 11px;
}
.application-checklist li::before {
  content: "";
  top: 0.16em;
  width: 21px;
  height: 21px;
  background-repeat: no-repeat;
  background-position: center;
  background-size: 21px 21px;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 22 22'%3E%3Ccircle cx='11' cy='11' r='11' fill='%23f3ead9'/%3E%3Cpath d='M6.2 11.4 9.5 14.6 15.8 7.9' fill='none' stroke='%238c6426' stroke-width='1.9' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

/* Simran's portrait is centred in frame, so on narrow screens shift the crop
   left of centre to move her clear of the headline. */
@media (max-width: 767px) {
  .about-hero__media {
    background-position: 26% 4%;
  }
}

/* ======================================================================
   Utility bar, footer app block, footer legal bar, icon-only float
   ====================================================================== */

.util-bar {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.9);
  font-size: 0.82rem;
}

.util-bar__inner {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 18px;
  min-height: 38px;
  padding-top: 4px;
  padding-bottom: 4px;
}

.util-app {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  color: rgba(255, 255, 255, 0.9);
  text-decoration: none;
  font-weight: 600;
  letter-spacing: 0.01em;
  padding: 4px 0;
}
.util-app:hover,
.util-app:focus-visible {
  color: #fff;
}

.util-app__icons {
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.util-app__icons .util-icon {
  width: 17px;
  height: 17px;
}

.util-app__text {
  border-bottom: 1px solid rgba(255, 255, 255, 0.32);
  padding-bottom: 1px;
}

.util-socials {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  padding-left: 18px;
  border-left: 1px solid rgba(255, 255, 255, 0.2);
}

.util-social {
  display: inline-grid;
  place-items: center;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  color: rgba(255, 255, 255, 0.82);
  transition: background 150ms ease, color 150ms ease;
}
.util-social:hover,
.util-social:focus-visible {
  background: rgba(255, 255, 255, 0.13);
  color: #fff;
}

.util-icon {
  display: block;
}

@media (max-width: 720px) {
  .util-bar__inner {
    justify-content: space-between;
    gap: 10px;
  }
  .util-app__text {
    display: none;
  }
  .util-app::after {
    content: "MCC Home Centre app";
    font-size: 0.78rem;
    border-bottom: 1px solid rgba(255, 255, 255, 0.32);
  }
  .util-socials {
    padding-left: 10px;
    gap: 0;
  }
  .util-social {
    width: 28px;
    height: 28px;
  }
}

@media (max-width: 400px) {
  .util-app::after {
    content: "Get the app";
  }
}

/* ---- footer app download ---- */

.footer-app {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  margin-top: 4px;
  padding: 11px 15px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 6px;
  color: rgba(255, 255, 255, 0.88);
  text-decoration: none;
  transition: border-color 150ms ease, background 150ms ease;
}
.footer-app:hover,
.footer-app:focus-visible {
  border-color: var(--gold);
  background: rgba(255, 255, 255, 0.05);
  color: #fff;
}

.footer-app__icons {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  flex: 0 0 auto;
}
.footer-app__icons .util-icon {
  width: 20px;
  height: 20px;
}

.footer-app__text {
  display: grid;
  gap: 2px;
  line-height: 1.35;
}
.footer-app__text strong {
  font-size: 0.88rem;
  font-weight: 650;
}
.footer-app__text span {
  font-size: 0.79rem;
  color: rgba(255, 255, 255, 0.55);
}

/* ---- footer legal bar ---- */

.footer-legal {
  margin-top: 44px;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.14);
  display: grid;
  gap: 8px;
  font-size: 0.82rem;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.58);
}

.footer-legal p {
  margin: 0;
  max-width: 78ch;
}

.footer-legal__partner a {
  color: rgba(255, 255, 255, 0.82);
  border-bottom: 1px solid rgba(194, 154, 69, 0.6);
  text-decoration: none;
}
.footer-legal__partner a:hover,
.footer-legal__partner a:focus-visible {
  color: #fff;
  border-bottom-color: var(--gold);
}

.footer-legal__socials {
  display: flex;
  gap: 4px;
  margin-top: 6px;
  margin-left: -7px;
}

/* ---- floating buttons, icons only ---- */

.floating-action {
  width: 52px;
  height: 52px;
  min-height: 52px;
  padding: 0;
  display: inline-grid;
  place-items: center;
  gap: 0;
}

.footer-app {
  width: 100%;
  max-width: 260px;
  padding: 12px 14px;
}
.footer-app__text strong {
  white-space: nowrap;
}