/* ==========================================================================
   Slick Mortgages — site stylesheet
   Converted from the Tailwind mockups to plain CSS (no CDN dependency).
   One responsive stylesheet serves both desktop and mobile layouts.
   ========================================================================== */

:root {
    --navy: #1A2B4A;
    --navy-deep: #16243d;
    --navy-2: #2E4A7D;
    --gold: #C9A24B;
    --gold-dark: #b38f3f;
    --neutral: #5B6473;
    --bg: #FFFFFF;
    --surface: #F5F7FA;
    --border: #e5e7eb;        /* gray-200 */
    --radius-sm: 4px;
    --radius-md: 8px;
    --radius-lg: 16px;
    --radius-xl: 12px;
    --radius-2xl: 16px;
    --radius-full: 9999px;
    --container: 1200px;
    --serif: Georgia, 'Times New Roman', serif;
    --sans: 'Inter', system-ui, -apple-system, Segoe UI, Roboto, sans-serif;
}

/* ---------- Reset / base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
    margin: 0;
    font-family: var(--sans);
    font-size: 14px;
    line-height: 1.5;
    color: var(--navy);
    background: var(--bg);
    -webkit-font-smoothing: antialiased;
}
h1, h2, h3, h4, h5, h6 { margin: 0; line-height: 1.2; }
h2 { margin-bottom: 16px; }
h3 { margin-bottom: 8px;}
p { margin: 0; }
.all-text p { margin-bottom: 20px; }
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }
ul { margin: 0; padding: 0; list-style: none; }
.bulleted {
	list-style: disc;
	padding-left: 20px;
	margin-bottom: 24px;
}
.bulleted ul { list-style-type: "-"; padding-left: 20px;}
table {
	border-collapse: collapse;
	border-spacing: 0;
	border: 1px solid var(--border);
}
td, th {
	text-align: left;
	vertical-align: top;
	border: 1px solid var(--border);
	padding: 10px;
}
th {
	font-weight: 600;
	background: var(--surface);
}
button { font-family: inherit; }

.font-serif { font-family: var(--serif); }

.container {
    max-width: var(--container);
    margin: 0 auto;
    padding-left: 32px;
    padding-right: 32px;
    width: 100%;
}

/* sticky-nav offset so in-page anchors aren't hidden under the header */
section[id], article[id] { scroll-margin-top: 140px; }

.skip-link {
    position: absolute;
    left: -9999px;
    top: 0;
    background: var(--navy);
    color: #fff;
    padding: 10px 16px;
    z-index: 100;
    border-radius: 0 0 var(--radius-md) 0;
}
.skip-link:focus { left: 0; }

/* ---------- Icons ---------- */
.ico {
    display: inline-block;
    width: 1em;
    height: 1em;
    vertical-align: -0.125em;
    flex-shrink: 0;
    fill: currentColor;
}
.icon--gold { color: var(--gold); }

/* ---------- Buttons ---------- */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    font-weight: 600;
    font-size: 15px;
    padding: 10px 20px;
    border-radius: var(--radius-md);
    border: 1px solid transparent;
    cursor: pointer;
    transition: background-color .18s ease, border-color .18s ease, color .18s ease;
    text-align: center;
}
.btn--gold { background: var(--gold); color: var(--navy); }
.btn--gold:hover { background: var(--gold-dark); }
.btn--navy { background: var(--navy); color: #fff; }
.btn--navy:hover { background: var(--navy-2); }
.btn--outline { border-color: rgba(255,255,255,.3); color: #fff; }
.btn--outline:hover { border-color: #fff; }
.btn--lg { padding: 14px 28px; font-size: 16px; }
.btn--block { display: flex; width: 100%; }

/* ---------- Utility bar ---------- */
.utility-bar {
    background: var(--navy-deep);
    color: #fff;
    font-size: 14px;
}
.utility-bar__inner {
    height: 44px;
    display: flex;
    align-items: center;
    justify-content: space-between;
}
.utility-bar__group { display: flex; align-items: center; gap: 24px; color: rgba(255,255,255,.8); }
.utility-bar__item, .utility-bar__link { display: inline-flex; align-items: center; gap: 8px; }
.utility-bar__link:hover { color: #fff; }

/* ---------- Header / nav ---------- */
.site-header {
    background: #fff;
    border-bottom: 1px solid var(--border);
    position: sticky;
    top: 0;
    z-index: 40;
}
.site-nav {
    height: 80px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
}
.brand { display: inline-flex; align-items: center; gap: 12px; }
.brand__mark {
    width: 40px; height: 40px;
    border-radius: var(--radius-md);
    background: var(--navy);
    color: var(--gold);
    display: inline-flex; align-items: center; justify-content: center;
    font-size: 20px;
}
.brand__mark--footer { background: rgba(255,255,255,.1); }
.brand__name { font-size: 24px; font-weight: 700; letter-spacing: -0.01em; }
.brand__dot { color: var(--gold); }

.nav-links {
    display: flex;
    align-items: center;
    gap: 32px;
    font-size: 15px;
    font-weight: 500;
}
.nav-links a:hover { color: var(--navy-2); }
.nav-links a.is-active { color: var(--gold); }
.nav-links__mobile-only { display: none; }

.nav-dropdown {
	position: relative;
}

.nav-dropdown-toggle {
	padding: 4px 0;
	display: inline-flex;
	align-items: center;
	gap: 5px;
	transition: color 0.15s;
}

	.nav-dropdown-toggle svg {
		transition: transform 0.2s;
		flex-shrink: 0;
	}

.nav-dropdown::after {
	content: "";
	position: absolute;
	top: 100%;
	left: -16px;
	right: -16px;
	height: 14px;
}

.nav-dropdown-menu {
	position: absolute;
	top: calc(100% + 14px);
	left: -16px;
	background: var(--surface); /*rgba(13, 17, 23, 0.98);*/
	backdrop-filter: blur(16px);
	border: 1px solid var(--navy);
	border-radius: 4px;
	min-width: 200px;
	padding: 6px;
	opacity: 0;
	visibility: hidden;
	transform: translateY(-6px);
	transition: opacity 0.18s, transform 0.18s, visibility 0.18s;
	z-index: 200;
	font-size: 14px;
	font-weight: 500;
}

	.nav-dropdown-menu li {
		display: flex;
		flex-direction: column;
		gap: 2px;
		padding: 10px 14px;
		border-radius: 3px;
		transition: background 0.12s;
	}

.nav-dropdown:hover .nav-dropdown-menu {
	opacity: 1;
	visibility: visible;
	transform: translateY(0);
}

.nav-dropdown:hover .nav-dropdown-toggle svg {
	transform: rotate(180deg);
}

.nav-actions { display: flex; align-items: center; gap: 12px; }
.nav-actions__link { font-size: 15px; font-weight: 600; }
.nav-actions__link:hover { color: var(--navy-2); }

.menu-toggle {
    display: none;
    width: 44px; height: 44px;
    align-items: center; justify-content: center;
    background: transparent;
    border: 0;
    color: var(--navy);
    font-size: 22px;
    cursor: pointer;
    border-radius: var(--radius-md);
}
.menu-toggle__close { display: none; }
.nav-backdrop {
    position: fixed;
    inset: 0;
    background: rgba(22,36,61,.45);
    z-index: 30;
}

/* ---------- Generic section helpers ---------- */
.section { padding: 80px 0; }
.section--surface { background: var(--surface); }
.section--navy { background: var(--navy); color: #fff; }
.section-head { text-align: center; max-width: 640px; margin: 0 auto 56px; }
.section-head--narrow { max-width: 600px; }
.eyebrow {
    font-size: 13px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: .08em;
    color: var(--gold);
}
.eyebrow--line { display: inline-flex; align-items: center; gap: 8px; }
.eyebrow--line::before { content: ""; width: 32px; height: 1px; background: var(--gold); }
.section-head h2 { font-family: var(--serif); font-size: 2rem; font-weight: 700; margin: 12px 0 16px; }
.section-head p { color: var(--neutral); }
.lead { color: var(--neutral); line-height: 1.7; }

/* ---------- Hero (home) ---------- */
.hero {
    position: relative;
    background: var(--navy);
    color: #fff;
    overflow: hidden;
}
.hero__inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
    align-items: center;
    min-height: 560px;
    padding: 64px 0;
}
.hero__eyebrow { margin-bottom: 20px; }
.hero h1 {
    font-family: var(--serif);
    font-size: 3.25rem;
    line-height: 1.1;
    font-weight: 700;
    margin-bottom: 24px;
}
.hero__text { font-size: 1.125rem; color: rgba(255,255,255,.75); line-height: 1.7; margin-bottom: 32px; max-width: 480px; }
.hero__actions { display: flex; align-items: center; gap: 16px; margin-bottom: 40px; flex-wrap: wrap; }
.hero__rating { display: flex; align-items: center; gap: 24px; font-size: 14px; color: rgba(255,255,255,.7); }
.stars { color: var(--gold); display: inline-flex; gap: 2px; }
.rating-line { display: inline-flex; align-items: center; gap: 8px; }
.hero__media { position: relative; }
.hero__img { width: 100%; height: 440px; object-fit: cover; border-radius: var(--radius-xl); box-shadow: 0 25px 50px -12px rgba(0,0,0,.45); }
.hero__badge {
    position: absolute;
    bottom: -24px; left: -24px;
    background: #fff; color: var(--navy);
    border-radius: var(--radius-xl);
    box-shadow: 0 20px 25px -5px rgba(0,0,0,.25);
    padding: 20px 24px;
    width: 240px;
}
.hero__badge-num { font-size: 1.875rem; font-family: var(--serif); font-weight: 700; color: var(--gold); }
.hero__badge-label { font-size: 14px; color: var(--neutral); margin-top: 4px; }

/* ---------- Trust strip ---------- */
.trust-strip { background: var(--surface); border-bottom: 1px solid var(--border); }
.trust-strip__inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 24px 0;
    gap: 24px;
}
.trust-strip__label { font-size: 14px; font-weight: 600; color: var(--neutral); text-transform: uppercase; letter-spacing: .05em; }
.trust-strip__logos {
    display: flex;
    align-items: center;
    gap: 40px;
    color: rgba(26,43,74,.55);
    font-family: var(--serif);
    font-size: 1.125rem;
    font-weight: 700;
    flex-wrap: wrap;
}

/* ---------- Card grids ---------- */
.grid { display: grid; gap: 24px; }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }
.grid--2 { grid-template-columns: repeat(2, 1fr); }

.service-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius-xl);
    padding: 28px;
    transition: box-shadow .2s ease, border-color .2s ease;
    display: block;
}
.service-card:hover { box-shadow: 0 10px 15px -3px rgba(0,0,0,.1); border-color: rgba(201,162,75,.5); }
.service-card h3 { font-family: var(--serif); font-size: 1.25rem; font-weight: 700; margin-bottom: 8px; }
.service-card p { color: var(--neutral); font-size: 15px; line-height: 1.7; margin-bottom: 16px; }
.icon-badge {
    width: 48px; height: 48px;
    border-radius: var(--radius-md);
    background: var(--navy);
    color: var(--gold);
    display: inline-flex; align-items: center; justify-content: center;
    font-size: 20px;
    margin-bottom: 20px;
}
.icon-badge--sm { width: 44px; height: 44px; font-size: 18px; margin-bottom: 0; }
.card-link { color: var(--navy-2); font-weight: 600; font-size: 14px; display: inline-flex; align-items: center; gap: 6px; }
.service-card:hover .card-link { color: var(--navy); }

.service-card--feature { background: var(--navy); color: #fff; display: flex; flex-direction: column; justify-content: space-between; }
.service-card--feature .icon-badge { background: var(--gold); color: var(--navy); }
.service-card--feature p { color: rgba(255,255,255,.7); }
.service-card--feature .card-link, .service-card--feature:hover .card-link { color: var(--gold); }

/* ---------- Why us ---------- */
.split {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 56px;
    align-items: center;
}
.split__media { position: relative; }
.split__img { width: 100%; height: 420px; object-fit: cover; border-radius: var(--radius-xl); box-shadow: 0 10px 15px -3px rgba(0,0,0,.1); }
.split__badge {
    position: absolute;
    top: -20px; right: -20px;
    background: var(--gold);
    color: var(--navy);
    border-radius: var(--radius-xl);
    padding: 16px 20px;
    box-shadow: 0 10px 15px -3px rgba(0,0,0,.2);
    text-align: center;
}
.split__badge-num { font-size: 1.5rem; font-family: var(--serif); font-weight: 700; }
.split__badge-label { font-size: 12px; font-weight: 600; }
.split h2 { font-family: var(--serif); font-size: 2rem; font-weight: 700; margin: 12px 0 20px; }
.feature-list { display: flex; flex-direction: column; gap: 20px; margin-top: 28px; }
.feature-item { display: flex; gap: 16px; }
.feature-item__icon {
    width: 36px; height: 36px;
    flex-shrink: 0;
    border-radius: var(--radius-full);
    background: var(--navy);
    color: var(--gold);
    display: inline-flex; align-items: center; justify-content: center;
}
.feature-item h4 { font-weight: 600; margin-bottom: 4px; }
.feature-item p { font-size: 14px; color: var(--neutral); }

/* ---------- Stats band ---------- */
.stats { background: var(--navy); color: #fff; padding: 56px 0; }
.stats__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; text-align: center; }
.stat__num { font-family: var(--serif); font-size: 2.25rem; font-weight: 700; color: var(--gold); }
.stat__label { font-size: 14px; color: rgba(255,255,255,.7); margin-top: 8px; }

/* ---------- Process ---------- */
.process-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.process-step { text-align: center; padding: 0 8px; }
.process-step__num {
    width: 56px; height: 56px;
    margin: 0 auto 16px;
    border-radius: var(--radius-full);
    border: 2px solid var(--gold);
    color: var(--navy);
    font-family: var(--serif);
    font-size: 1.25rem;
    font-weight: 700;
    display: flex; align-items: center; justify-content: center;
}
.process-step h4 { font-weight: 600; margin-bottom: 8px; }
.process-step p { font-size: 14px; color: var(--neutral); }

/* process variant: numbered cards (services page) */
.process-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-xl); padding: 24px; }
.process-card__num { font-family: var(--serif); font-size: 1.875rem; font-weight: 700; color: var(--gold); }
.process-card h4 { font-weight: 600; margin: 12px 0 8px; }
.process-card p { font-size: 14px; color: var(--neutral); }

/* ---------- Testimonials ---------- */
.testimonial {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius-xl);
    padding: 28px;
}
.testimonial__stars { color: var(--gold); margin-bottom: 16px; display: inline-flex; gap: 2px; }
.testimonial__quote { color: var(--navy); line-height: 1.7; margin-bottom: 24px; }
.testimonial__person { display: flex; align-items: center; gap: 12px; }
.avatar {
    width: 44px; height: 44px;
    border-radius: var(--radius-full);
    background: var(--navy);
    color: #fff;
    display: inline-flex; align-items: center; justify-content: center;
    font-weight: 600;
}
.testimonial__name { font-weight: 600; font-size: 14px; }
.testimonial__role { font-size: 12px; color: var(--neutral); }

/* ---------- CTA band ---------- */
.cta-band {
    background: var(--navy);
    border-radius: var(--radius-2xl);
    padding: 48px 56px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 32px;
    color: #fff;
}
.cta-band h2 { font-family: var(--serif); font-size: 1.875rem; font-weight: 700; margin-bottom: 12px; color: #fff !important; }
.cta-band p { color: rgba(255,255,255,.75); max-width: 620px; }
.cta-band__actions { display: flex; flex-direction: column; gap: 12px; flex-shrink: 0; }
.cta-band__call { color: rgba(255,255,255,.8); font-size: 14px; display: inline-flex; align-items: center; justify-content: center; gap: 8px; }

/* ---------- Services page: hero / breadcrumb / quick-nav ---------- */
.page-hero { background: var(--navy); color: #fff; padding: 64px 0; }
.breadcrumb { font-size: 14px; color: rgba(255,255,255,.55); margin-bottom: 24px; }
.breadcrumb a:hover { color: #fff; }
.breadcrumb__sep { margin: 0 8px; }
.breadcrumb__current { color: var(--gold); }
.page-hero__content { max-width: 720px; }
.page-hero h1 { font-family: var(--serif); font-size: 3rem; line-height: 1.12; font-weight: 700; margin: 16px 0 20px; }
.page-hero__text { font-size: 1.125rem; color: rgba(255,255,255,.75); line-height: 1.7; }

.quicknav {
    background: var(--surface);
    border-bottom: 1px solid var(--border);
    position: sticky;
    top: 80px;
    z-index: 30;
}
.quicknav__inner {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 12px 0;
    font-size: 14px;
    font-weight: 500;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
}
.chip {
    padding: 8px 16px;
    border-radius: var(--radius-full);
    white-space: nowrap;
    color: var(--navy);
    border: 1px solid transparent;
    transition: background-color .15s ease;
}
.chip:hover { background: #fff; }
.chip--active { background: var(--navy); color: #fff; }
.chip--bordered { background: #fff; border-color: var(--border); }

/* ---------- Service detail split ---------- */
.svc-detail .split__img { height: 380px; }
.svc-detail h2 { font-family: var(--serif); font-size: 2rem; font-weight: 700; margin-bottom: 16px; }
.svc-detail p { color: var(--neutral); line-height: 1.7; margin-bottom: 24px; }
.check-list { display: flex; flex-direction: column; gap: 12px; margin-bottom: 28px; }
.check-list li { display: flex; align-items: flex-start; gap: 12px; font-size: 15px; }
.check-list .ico { color: var(--gold); margin-top: 3px; }
.order-media-first .split__media { order: -1; }

/* ---------- FAQ accordion ---------- */
.faq { max-width: 860px; margin: 0 auto; }
.faq-list { display: flex; flex-direction: column; gap: 16px; }
.faq-item {
    border: 1px solid var(--border);
    border-radius: var(--radius-xl);
    overflow: hidden;
    background: #fff;
}
.faq-item__summary {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    width: 100%;
    text-align: left;
    background: none;
    border: 0;
    cursor: pointer;
    font-weight: 600;
    font-size: 16px;
    color: var(--navy);
    padding: 20px 24px;
}
.faq-item__summary .ico { color: var(--gold); transition: transform .2s ease; }
.faq-item.is-open .faq-item__summary .ico { transform: rotate(180deg); }
.faq-item__body { padding: 0 24px; max-height: 0; overflow: hidden; transition: max-height .25s ease, padding .25s ease; }
.faq-item.is-open .faq-item__body { padding: 0 24px 20px; max-height: 400px; }
.faq-item__body p { color: var(--neutral); font-size: 15px; line-height: 1.7; }


/* =========================================================
   Service detail pages — Slick Mortgages
   Uses the same palette/fonts as site.css (with fallbacks).
   ========================================================= */
.sp {
	--sp-navy: var(--navy-deep, #16243d);
	--sp-navy2: var(--navy-2, #2E4A7D);
	--sp-gold: var(--gold, #C9A24B);
	--sp-gold-dark: var(--gold-dark, #b38f3f);
	--sp-text: #374151;
	--sp-muted: #5B6473;
	--sp-border: #e5e7eb;
	--sp-surface: #F5F7FA;
	color: var(--sp-text);
}

.sp-container {
	max-width: 1140px;
	margin: 0 auto;
	padding: 0 24px;
}

.sp h1, .sp h2, .sp h3 {
	font-family: var(--serif, Georgia, serif);
	color: var(--sp-navy);
}

.sp p {
	line-height: 1.7;
}

/* Hero */
.sp-hero {
	background: linear-gradient(135deg, #16243d 0%, #1e3557 100%);
	color: #fff;
	padding: 64px 0 52px;
}

.sp-breadcrumb ol {
	list-style: none;
	display: flex;
	flex-wrap: wrap;
	gap: 6px;
	padding: 0;
	margin: 0 0 18px;
	font-size: .85rem;
	color: rgba(255,255,255,.65);
}

.sp-breadcrumb li + li::before {
	content: "/";
	margin-right: 6px;
	color: rgba(255,255,255,.4);
}

.sp-breadcrumb a {
	color: rgba(255,255,255,.8);
	text-decoration: none;
}

	.sp-breadcrumb a:hover {
		color: var(--sp-gold);
	}

.sp-tag {
	display: inline-block;
	background: rgba(201,162,75,.18);
	color: var(--sp-gold);
	border: 1px solid rgba(201,162,75,.45);
	border-radius: 9999px;
	font-size: .78rem;
	font-weight: 700;
	letter-spacing: .07em;
	text-transform: uppercase;
	padding: 5px 14px;
	margin-bottom: 16px;
}

.sp-hero h1 {
	color: #fff;
	font-size: clamp(2rem, 4vw, 3rem);
	line-height: 1.18;
	margin: 0 0 18px;
	max-width: 820px;
}

	.sp-hero h1 em {
		color: var(--sp-gold);
		font-style: normal;
	}

.sp-hero__lead {
	font-size: 1.125rem;
	color: rgba(255,255,255,.86);
	max-width: 680px;
	margin: 0 0 30px;
}

.sp-btn {
	display: inline-flex;
	align-items: center;
	gap: 8px;
	font-weight: 700;
	font-size: 1rem;
	padding: 14px 28px;
	border-radius: 8px;
	text-decoration: none;
	transition: background .15s, border-color .15s;
}

.sp-btn--gold {
	background: var(--sp-gold);
	color: #16243d;
}

	.sp-btn--gold:hover {
		background: var(--sp-gold-dark);
	}

.sp-btn--ghost {
	border: 2px solid rgba(255,255,255,.4);
	color: #fff;
	padding: 12px 26px;
}

	.sp-btn--ghost:hover {
		border-color: var(--sp-gold);
	}

.sp-hero__actions {
	display: flex;
	gap: 14px;
	flex-wrap: wrap;
}

.sp-trust {
	display: flex;
	gap: 22px;
	flex-wrap: wrap;
	list-style: none;
	padding: 26px 0 0;
	margin: 34px 0 0;
	border-top: 1px solid rgba(255,255,255,.14);
}

	.sp-trust li {
		display: flex;
		align-items: center;
		gap: 8px;
		font-size: .88rem;
		color: rgba(255,255,255,.8);
	}

	.sp-trust svg {
		color: var(--sp-gold);
		flex-shrink: 0;
	}

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

.sp-section--alt {
	background: var(--sp-surface);
}

.sp-label {
	font-size: .78rem;
	font-weight: 700;
	letter-spacing: .1em;
	text-transform: uppercase;
	color: var(--sp-gold-dark);
	margin: 0 0 8px;
}

.sp-section h2 {
	font-size: clamp(1.5rem, 2.6vw, 1.95rem);
	margin: 0 0 14px;
	line-height: 1.25;
}

.sp-lead {
	color: var(--sp-muted);
	max-width: 640px;
	margin: 0 0 36px;
}

.sp-center {
	text-align: center;
}

	.sp-center .sp-lead {
		margin-left: auto;
		margin-right: auto;
	}

/* Intro */
.sp-intro {
	display: grid;
	grid-template-columns: 1.4fr 1fr;
	gap: 56px;
	align-items: start;
}

	.sp-intro p {
		margin: 0 0 16px;
	}

	.sp-intro strong {
		color: var(--sp-navy);
	}

.sp-glance {
	background: #fff;
	border: 1px solid var(--sp-border);
	border-top: 4px solid var(--sp-gold);
	border-radius: 14px;
	padding: 28px;
	box-shadow: 0 10px 30px rgba(22,36,61,.07);
}

	.sp-glance h2 {
		font-size: 1.2rem;
		margin: 0 0 16px;
	}

	.sp-glance dl {
		margin: 0;
	}

	.sp-glance div {
		display: flex;
		justify-content: space-between;
		gap: 16px;
		padding: 12px 0;
		border-bottom: 1px solid var(--sp-border);
		font-size: .92rem;
	}

		.sp-glance div:last-child {
			border-bottom: 0;
		}

	.sp-glance dt {
		color: var(--sp-muted);
	}

	.sp-glance dd {
		margin: 0;
		font-weight: 700;
		color: var(--sp-navy);
		text-align: right;
	}

.sp-glance__note {
	font-size: .78rem;
	color: var(--sp-muted);
	margin: 14px 0 0;
	line-height: 1.5;
}

/* Cards */
.sp-cards {
	display: grid;
	grid-template-columns: repeat(3, 1fr);
	gap: 22px;
}

.sp-card {
	background: #fff;
	border: 1px solid var(--sp-border);
	border-radius: 12px;
	padding: 26px 22px;
}

.sp-card__icon {
	width: 46px;
	height: 46px;
	border-radius: 10px;
	background: rgba(22,36,61,.07);
	color: var(--sp-navy);
	display: flex;
	align-items: center;
	justify-content: center;
	margin-bottom: 14px;
}

.sp-card h3 {
	font-size: 1.06rem;
	margin: 0 0 8px;
}

.sp-card p {
	font-size: .92rem;
	color: var(--sp-muted);
	margin: 0;
	line-height: 1.6;
}

/* Deep-dive content */
.sp-prose {
	max-width: 820px;
}

	.sp-prose h3 {
		font-size: 1.2rem;
		margin: 30px 0 10px;
	}

	.sp-prose p {
		margin: 0 0 14px;
	}

	.sp-prose ul {
		margin: 0 0 16px;
		padding-left: 20px;
	}

	.sp-prose li {
		margin-bottom: 8px;
		line-height: 1.6;
	}

.sp-table-wrap {
	overflow-x: auto;
	margin: 10px 0 20px;
}

.sp-table {
	width: 100%;
	border-collapse: collapse;
	font-size: .92rem;
	background: #fff;
}

	.sp-table th, .sp-table td {
		text-align: left;
		padding: 12px 14px;
		border-bottom: 1px solid var(--sp-border);
		vertical-align: top;
	}

	.sp-table th {
		background: var(--sp-navy);
		color: #fff;
		font-weight: 600;
	}

/* Eligibility + steps */
.sp-split {
	display: grid;
	grid-template-columns: 1fr 1fr;
	gap: 56px;
	align-items: start;
}

.sp-checks {
	list-style: none;
	padding: 0;
	margin: 0;
	display: flex;
	flex-direction: column;
	gap: 13px;
}

	.sp-checks li {
		display: flex;
		gap: 12px;
		align-items: flex-start;
		line-height: 1.5;
	}

	.sp-checks svg {
		flex-shrink: 0;
		margin-top: 2px;
		color: #fff;
		background: var(--sp-navy);
		border-radius: 50%;
		padding: 3px;
	}

.sp-callout {
	background: rgba(201,162,75,.09);
	border-left: 4px solid var(--sp-gold);
	border-radius: 0 8px 8px 0;
	padding: 18px 20px;
	font-size: .93rem;
	margin-top: 24px;
	line-height: 1.6;
}

.sp-steps {
	list-style: none;
	counter-reset: step;
	padding: 0;
	margin: 0;
	display: flex;
	flex-direction: column;
	gap: 20px;
}

	.sp-steps li {
		counter-increment: step;
		display: flex;
		gap: 16px;
		align-items: flex-start;
	}

		.sp-steps li::before {
			content: counter(step);
			width: 34px;
			height: 34px;
			min-width: 34px;
			border-radius: 50%;
			background: var(--sp-navy);
			color: var(--sp-gold);
			font-weight: 700;
			display: flex;
			align-items: center;
			justify-content: center;
		}

	.sp-steps strong {
		display: block;
		color: var(--sp-navy);
		margin-bottom: 3px;
	}

	.sp-steps span {
		color: var(--sp-muted);
		font-size: .92rem;
		line-height: 1.55;
	}

/* Related services */
.sp-related {
	display: grid;
	grid-template-columns: repeat(5, 1fr);
	gap: 14px;
}

	.sp-related a {
		display: flex;
		flex-direction: column;
		gap: 8px;
		padding: 18px;
		background: #fff;
		border: 1px solid var(--sp-border);
		border-radius: 10px;
		text-decoration: none;
		color: var(--sp-navy);
		font-weight: 700;
		font-size: .95rem;
		transition: border-color .15s, transform .15s;
	}

		.sp-related a:hover {
			border-color: var(--sp-gold);
			transform: translateY(-2px);
		}

		.sp-related a span {
			font-weight: 400;
			font-size: .82rem;
			color: var(--sp-muted);
			line-height: 1.45;
		}

/* CTA band */
.sp-cta {
	background: var(--sp-navy);
	padding: 56px 0;
	text-align: center;
}

	.sp-cta h2 {
		color: #fff;
		margin: 0 0 12px;
		font-size: clamp(1.5rem, 2.6vw, 1.95rem);
	}

	.sp-cta p {
		color: rgba(255,255,255,.78);
		margin: 0 auto 26px;
		max-width: 620px;
	}

	.sp-cta .sp-hero__actions {
		justify-content: center;
	}

/* FAQ */
.sp-faq {
	max-width: 800px;
	margin: 0 auto;
	display: flex;
	flex-direction: column;
	gap: 8px;
}

.sp-faq__item {
	border: 1px solid var(--sp-border);
	border-radius: 10px;
	background: #fff;
	overflow: hidden;
}

.sp-faq__q {
	margin: 0;
	font-size: 1rem;
}

.sp-faq__btn {
	width: 100%;
	background: none;
	border: 0;
	padding: 18px 22px;
	display: flex;
	justify-content: space-between;
	align-items: center;
	gap: 16px;
	font-family: var(--serif, Georgia, serif);
	font-size: 1.04rem;
	font-weight: 700;
	color: var(--sp-navy);
	text-align: left;
	cursor: pointer;
}

	.sp-faq__btn:hover {
		background: #f8fafc;
	}

	.sp-faq__btn svg {
		flex-shrink: 0;
		transition: transform .2s;
	}

.sp-faq__item.is-open .sp-faq__btn svg {
	transform: rotate(180deg);
}

.sp-faq__a {
	padding: 0 22px 18px;
}

	.sp-faq__a p {
		margin: 0 0 10px;
		font-size: .95rem;
	}

.sp-faq__item:not(.is-open) .sp-faq__a {
	display: none;
}

/* Risk warning */
.sp-risk {
	padding: 28px 0;
	background: #fff;
	border-top: 1px solid var(--sp-border);
}

	.sp-risk p {
		font-size: .85rem;
		color: var(--sp-muted);
		margin: 0 0 6px;
		text-align: center;
	}

	.sp-risk strong {
		color: var(--sp-navy);
	}

/* Responsive */
@media (max-width: 1024px) {
	.sp-intro, .sp-split {
		grid-template-columns: 1fr;
		gap: 36px;
	}

	.sp-cards {
		grid-template-columns: 1fr 1fr;
	}

	.sp-related {
		grid-template-columns: repeat(3, 1fr);
	}
}

@media (max-width: 768px) {
	.sp-hero {
		padding: 44px 0 38px;
	}

	.sp-section {
		padding: 48px 0;
	}

	.sp-cards {
		grid-template-columns: 1fr;
	}

	.sp-related {
		grid-template-columns: 1fr 1fr;
	}

	.sp-btn {
		width: 100%;
		justify-content: center;
	}
}

@media (max-width: 420px) {
	.sp-related {
		grid-template-columns: 1fr;
	}
}

@media print {
	.sp-faq__item .sp-faq__a {
		display: block !important;
	}

	.sp-hero, .sp-cta {
		-webkit-print-color-adjust: exact;
		print-color-adjust: exact;
	}
}



/* ===== Contact form ===== */
.contact {
	max-width: 820px;
	margin: 0 auto;
	padding: 64px 24px;
}

.contact__title {
	font-family: var(--serif, Georgia, serif);
	color: var(--navy-deep, #16243d);
	font-size: 2rem;
	margin: 0 0 8px;
}

.contact__lead {
	color: var(--neutral, #5B6473);
	margin: 0 0 32px;
	line-height: 1.6;
}

.contact-form {
	background: #fff;
	border: 1px solid var(--border, #e5e7eb);
	border-top: 4px solid var(--gold, #C9A24B);
	border-radius: var(--radius-lg, 16px);
	box-shadow: 0 10px 30px rgba(22, 36, 61, .08);
	padding: 40px;
	font-family: var(--sans, system-ui, sans-serif);
}

	.contact-form h2 {
		font-size: 1.5rem;
		margin-bottom: 20px;
	}

.contact-form__grid {
	display: grid;
	grid-template-columns: 1fr 1fr;
	gap: 20px 24px;
}

.calculator__grid {
	display: grid;
	grid-template-columns: 1fr;
	gap: 20px 24px;
}

.field {
	display: flex;
	flex-direction: column;
	gap: 6px;
	border: 0;
	padding: 0;
	margin: 0;
	min-width: 0;
}

.field--full {
	grid-column: 1 / -1;
}

.field label,
.field legend {
	font-size: .9rem;
	font-weight: 600;
	color: var(--navy-deep, #16243d);
	padding: 0;
}

.req {
	color: var(--gold-dark, #b38f3f);
}

.field input[type="text"],
.field input[type="number"],
.field input[type="email"],
.field input[type="tel"],
.field select,
.field textarea {
	width: 100%;
	box-sizing: border-box;
	font: inherit;
	font-size: 1rem;
	color: #1f2937;
	background: var(--surface, #F5F7FA);
	border: 1px solid var(--border, #e5e7eb);
	border-radius: var(--radius-md, 8px);
	padding: 12px 14px;
	transition: border-color .15s, box-shadow .15s, background .15s;
}

.field textarea {
	resize: vertical;
	min-height: 120px;
}

.field ::placeholder {
	color: #9aa3b2;
}

.field input:focus,
.field select:focus,
.field textarea:focus {
	outline: none;
	background: #fff;
	border-color: var(--navy-2, #2E4A7D);
	box-shadow: 0 0 0 3px rgba(201, 162, 75, .35);
}

/* Custom select arrow */
.select-wrap {
	position: relative;
}

	.select-wrap select {
		appearance: none;
		-webkit-appearance: none;
		padding-right: 40px;
		cursor: pointer;
	}

	.select-wrap::after {
		content: "";
		position: absolute;
		right: 16px;
		top: 50%;
		width: 8px;
		height: 8px;
		border-right: 2px solid var(--navy-deep, #16243d);
		border-bottom: 2px solid var(--navy-deep, #16243d);
		transform: translateY(-70%) rotate(45deg);
		pointer-events: none;
	}

/* Radio "chips" */
.chips {
	display: flex;
	flex-wrap: wrap;
	gap: 10px;
	margin-top: 4px;
}

.chip input {
	position: absolute;
	opacity: 0;
	pointer-events: none;
}

.chip span {
	display: inline-block;
	padding: 8px 18px;
	border: 1px solid var(--border, #e5e7eb);
	border-radius: var(--radius-full, 9999px);
	font-size: .9rem;
	font-weight: 500;
	color: var(--navy-deep, #16243d);
	background: #fff;
	cursor: pointer;
	transition: all .15s;
}

.chip:hover span {
	border-color: var(--navy-2, #2E4A7D);
}

.chip input:checked + span {
	background: var(--navy-deep, #16243d);
	border-color: var(--navy-deep, #16243d);
	color: #fff;
}

.chip input:focus-visible + span {
	box-shadow: 0 0 0 3px rgba(201, 162, 75, .45);
}

/* Consent checkbox */
.check {
	display: flex;
	gap: 12px;
	align-items: flex-start;
	font-weight: 400 !important;
	color: var(--neutral, #5B6473) !important;
	line-height: 1.5;
	cursor: pointer;
}

	.check input {
		width: 18px;
		height: 18px;
		margin-top: 2px;
		flex-shrink: 0;
		accent-color: var(--navy-deep, #16243d);
	}

	.check a {
		color: var(--navy-2, #2E4A7D);
		text-decoration: underline;
	}

/* Validation (add .is-invalid to .field from JS or server-side) */
.field__error {
	display: none;
	font-size: .825rem;
	color: #b42318;
}

.field.is-invalid .field__error {
	display: block;
}

.field.is-invalid input,
.field.is-invalid select,
.field.is-invalid textarea {
	border-color: #b42318;
	background: #fff7f6;
}

/* Honeypot */
.hp {
	position: absolute;
	left: -9999px;
	width: 1px;
	height: 1px;
	overflow: hidden;
}

/* Footer & button */
.contact-form__footer {
	margin-top: 28px;
	display: flex;
	flex-direction: column;
	align-items: flex-start;
	gap: 14px;
}

.btn-submit {
	font: inherit;
	font-weight: 600;
	font-size: 1rem;
	color: var(--navy-deep, #16243d);
	background: var(--gold, #C9A24B);
	border: 0;
	border-radius: var(--radius-md, 8px);
	padding: 14px 32px;
	cursor: pointer;
	transition: background .15s, transform .1s;
}

	.btn-submit:hover {
		background: var(--gold-dark, #b38f3f);
	}

	.btn-submit:active {
		transform: translateY(1px);
	}

	.btn-submit:focus-visible {
		outline: 3px solid var(--navy-2, #2E4A7D);
		outline-offset: 2px;
	}

	.btn-submit[disabled] {
		opacity: .6;
		cursor: not-allowed;
	}

.contact-form__note {
	font-size: .8rem;
	color: var(--neutral, #5B6473);
	margin: 0;
}

.form-success {
	margin-top: 20px;
	padding: 16px 20px;
	border-radius: var(--radius-md, 8px);
	background: #ecfdf3;
	border: 1px solid #abefc6;
	color: #067647;
}

/* Mobile */
@media (max-width: 768px) {
	.contact {
		padding: 40px 16px;
	}

	.contact__title {
		font-size: 1.6rem;
	}

	.contact-form {
		padding: 24px 20px;
	}

	.contact-form__grid {
		grid-template-columns: 1fr;
	}

	.btn-submit {
		width: 100%;
	}
}

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-deep); color: #fff; padding: 64px 0 32px; }
.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 40px;
    padding-bottom: 48px;
    border-bottom: 1px solid rgba(255,255,255,.1);
}
.footer-brand .brand { margin-bottom: 16px; }
.footer-brand__blurb { color: rgba(255,255,255,.6); font-size: 14px; line-height: 1.7; max-width: 320px; margin-bottom: 20px; }
.social { display: flex; gap: 12px; }
.social__link {
    width: 36px; height: 36px;
    border-radius: var(--radius-full);
    background: rgba(255,255,255,.1);
    display: inline-flex; align-items: center; justify-content: center;
    transition: background-color .15s ease, color .15s ease;
}
.social__link:hover { background: var(--gold); color: var(--navy); }
.footer-col__title { font-size: 1rem; font-weight: 600; color: var(--gold); margin-bottom: 16px; }
.footer-col ul { display: flex; flex-direction: column; gap: 10px; font-size: 14px; color: rgba(255,255,255,.7); }
.footer-col a:hover { color: #fff; }
.footer-contact li { display: flex; align-items: center; gap: 8px; }
.footer-legal { padding-top: 24px; font-size: 12px; color: rgba(255,255,255,.5); line-height: 1.7; }
.footer-legal__disclosure { margin-bottom: 12px; }
.footer-legal__bottom { display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.footer-legal__links { display: flex; gap: 20px; }
.footer-legal__links a:hover { color: #fff; }

/* ==========================================================================
   Responsive — tablet
   ========================================================================== */
@media (max-width: 1024px) {
    .hero h1 { font-size: 2.75rem; }
    .grid--3 { grid-template-columns: repeat(2, 1fr); }
    .trust-strip__inner { flex-direction: column; align-items: flex-start; gap: 16px; }
}

/* ==========================================================================
   Responsive — mobile (<= 768px)  — mirrors the mobile mockups
   ========================================================================== */
@media (max-width: 768px) {
    .container { padding-left: 20px; padding-right: 20px; }

    /* hide the desktop-only utility bar on phones (matches mobile mockup) */
    .utility-bar { display: none; }

    .site-nav { height: 64px; }
    .brand__mark { width: 36px; height: 36px; font-size: 18px; }
    .brand__name { font-size: 20px; }

    /* desktop nav + inline actions give way to a hamburger drawer */
    .nav-actions { display: none; }
    .menu-toggle { display: inline-flex; }

    .nav-links {
        position: fixed;
        top: 64px;
        right: 0;
        width: min(82vw, 320px);
        height: calc(100vh - 64px);
        background: #fff;
        border-left: 1px solid var(--border);
        flex-direction: column;
        align-items: stretch;
        gap: 4px;
        padding: 16px;
        transform: translateX(100%);
        transition: transform .25s ease;
        z-index: 35;
        overflow-y: auto;
    }
    .nav-links.is-open { transform: translateX(0); }
    .nav-links li { width: 100%; }
    .nav-links > li > a { display: block; padding: 12px 8px; border-radius: var(--radius-md); font-size: 16px; }
    .nav-links > li > a:hover { background: var(--surface); }
    .nav-links__mobile-only { display: block; }
    .nav-links__mobile-only .btn { margin-top: 8px; }

	.nav-dropdown-menu {
		position: absolute;
		top: calc(100% + 14px);
		left: -16px;
		background: rgba(13, 17, 23, 0.98);
		backdrop-filter: blur(16px);
		border: 1px solid var(--border2);
		border-radius: 4px;
		min-width: 200px;
		padding: 6px;
		opacity: 0;
		visibility: hidden;
		transform: translateY(-6px);
		transition: opacity 0.18s, transform 0.18s, visibility 0.18s;
		z-index: 200;
	}

	.nav-dropdown:hover .nav-dropdown-menu {
		opacity: 1;
		visibility: visible;
		transform: translateY(0);
	}

    body.nav-open { overflow: hidden; }
    .menu-toggle[aria-expanded="true"] .menu-toggle__open { display: none; }
    .menu-toggle[aria-expanded="true"] .menu-toggle__close { display: inline-flex; }

    /* sections */
    .section { padding: 48px 0; }
    .stats { padding: 40px 0; }
    .section-head { margin-bottom: 32px; }

    /* hero */
    .hero__inner { grid-template-columns: 1fr; gap: 24px; min-height: 0; padding: 32px 10px 32px; }
    .hero h1 { font-size: 2.1rem; line-height: 1.15; }
    .hero__text { font-size: 15px; }
    .hero__actions { flex-direction: column; align-items: stretch; margin-bottom: 20px; }
    .hero__actions .btn { width: 100%; }
    .hero__media { order: 2; }
    .hero__img { height: 208px; }
    .hero__badge { display: none; }         /* overlapping badge off on narrow screens */
    .hero__rating { font-size: 14px; }

    /* trust strip */
    .trust-strip__inner { flex-direction: column; align-items: center; text-align: center; gap: 12px; padding: 20px 0; }
    .trust-strip__logos { justify-content: center; gap: 12px 24px; font-size: 1rem; }

    /* grids collapse to a single column */
    .grid--3, .grid--4, .grid--2 { grid-template-columns: 1fr; }
    .process-grid { grid-template-columns: 1fr; }
    .stats__grid { grid-template-columns: repeat(2, 1fr); gap: 24px; }

    /* split sections stack, image first */
    .split { grid-template-columns: 1fr; gap: 24px; }
    .split__img { height: 192px; }
    .split__badge { display: none; }
    .svc-detail .split__media { order: -1; }   /* image above text on mobile */
    .split h2, .svc-detail h2 { font-size: 1.5rem; }

    .section-head h2 { font-size: 1.5rem; }
    .page-hero { padding: 40px 0; }
    .page-hero h1 { font-size: 2rem; }
    .page-hero__text { font-size: 15px; }

    /* quick-nav chips sit right under the shorter mobile header */
    .quicknav { top: 64px; }

    /* CTA band becomes a centred stacked card */
    .cta-band { flex-direction: column; text-align: center; padding: 32px 24px; border-radius: var(--radius-2xl); }
    .cta-band__actions { width: 100%; }
    .cta-band__actions .btn { width: 100%; }

    /* footer */
    .site-footer { padding: 40px 0 32px; }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 24px; padding-bottom: 24px; }
    .footer-brand { grid-column: 1 / -1; }
    .footer-legal__bottom { flex-direction: column; align-items: flex-start; gap: 12px; }
}

@media (max-width: 420px) {
    .footer-grid { grid-template-columns: 1fr; }
    .stats__grid { gap: 20px; }
}

/* ==========================================================================
   Print / PDF — keep inline SVG icons and brand colours visible
   ========================================================================== */
@media print {
    .utility-bar, .menu-toggle, .nav-backdrop, .quicknav, .skip-link { display: none !important; }
    .site-header { position: static; }
    body { color: #000; }
    .ico { fill: currentColor !important; }
    .faq-item__body { max-height: none !important; padding: 0 24px 20px !important; overflow: visible !important; }
    * { -webkit-print-color-adjust: exact !important; print-color-adjust: exact !important; }
}