@font-face{font-family:"Geist";src:url("/fonts/Geist-Variable.woff2") format("woff2");font-weight:100 900;font-style:normal;font-display:swap}
@font-face{font-family:"Geist Mono";src:url("/fonts/GeistMono-Variable.woff2") format("woff2");font-weight:100 900;font-style:normal;font-display:swap}
html{padding-top:env(safe-area-inset-top,0px)}body{margin:0}img{max-width:100%}[hidden]{display:none!important}
/* Brand colours from the SK Financial Solutions logo: navy, steel blue, royal blue.
   Layout: floating pill nav; split hero with a live calculator card; scrolling lender ticker; bento grid of reasons; quiz, services, timeline, FAQ, contact */
:root{
  --bg:#f4f7fb;
  --surface:#ffffff;
  --surface-2:#e8eef6;
  --ink:#0f2236;
  --muted:#5a6a7d;
  --line:#d9e2ed;
  --brand:#13314b;      /* logo navy */
  --brand-2:#2d6c8e;    /* logo steel blue */
  --on-brand:#eef4fb;
  --mint:#a9c8ec;       /* light blue highlight on navy */
  --accent:#3e5ca5;     /* logo royal blue */
  --on-accent:#ffffff;
  --good:#1c7c54;
  --danger:#b3261e;
  --shadow:0 1px 2px rgba(15,34,54,.06), 0 12px 32px -16px rgba(15,34,54,.25);
  --font:"Geist", "Segoe UI", system-ui, -apple-system, sans-serif;
  --mono:"Geist Mono", ui-monospace, "SF Mono", Menlo, monospace;
  --r-lg:24px; --r:16px; --r-sm:12px;
}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]){
    --bg:#0a1420; --surface:#101d2c; --surface-2:#162739; --ink:#e6eef7; --muted:#9aabbf; --line:#22364c;
    --brand:#13314b; --brand-2:#4f84aa; --on-brand:#eef4fb; --mint:#9fc3ea;
    --accent:#7090e0; --on-accent:#0a1420; --good:#4ccb8c; --danger:#ff8a80;
    --shadow:0 1px 2px rgba(0,0,0,.4), 0 16px 40px -20px rgba(0,0,0,.7);
    color-scheme:dark;
  }
}
:root[data-theme="dark"]{
  --bg:#0a1420; --surface:#101d2c; --surface-2:#162739; --ink:#e6eef7; --muted:#9aabbf; --line:#22364c;
    --brand:#13314b; --brand-2:#4f84aa; --on-brand:#eef4fb; --mint:#9fc3ea;
    --accent:#7090e0; --on-accent:#0a1420; --good:#4ccb8c; --danger:#ff8a80;
  --shadow:0 1px 2px rgba(0,0,0,.4), 0 16px 40px -20px rgba(0,0,0,.7);
  color-scheme:dark;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{background:var(--bg);color:var(--ink);font-family:var(--font);font-size:1rem;line-height:1.6;-webkit-font-smoothing:antialiased;padding-bottom:84px}
@media (min-width:880px){body{padding-bottom:0}}
.wrap{max-width:1180px;margin:0 auto;padding-left:max(16px, env(safe-area-inset-left, 0px));padding-right:max(16px, env(safe-area-inset-right, 0px))}
h1,h2,h3{line-height:1.05;text-wrap:balance;margin:0;letter-spacing:-.03em}
h2{font-size:clamp(1.9rem,4vw,3rem);font-weight:700}
h3{font-size:1.15rem;font-weight:600;letter-spacing:-.01em}
p{margin:0}
a{color:inherit}
.mono,.num{font-family:var(--mono);font-variant-numeric:tabular-nums}
.tag{display:inline-flex;align-items:center;gap:8px;font-size:.8rem;font-weight:600;padding:6px 12px;border-radius:999px;background:var(--surface);border:1px solid var(--line);color:var(--muted)}
.tag .dot{width:7px;height:7px;border-radius:50%;background:var(--good);box-shadow:0 0 0 4px color-mix(in srgb, var(--good) 20%, transparent)}
:focus-visible{outline:3px solid var(--accent);outline-offset:3px;border-radius:8px}
@media (prefers-reduced-motion: reduce){html{scroll-behavior:auto}*,*::before,*::after{transition:none!important;animation:none!important}}

/* nav */
body::before{content:"";position:fixed;inset:0 0 auto;height:env(safe-area-inset-top,0px);z-index:10;background:var(--bg)}
.nav{position:sticky;top:env(safe-area-inset-top,0px);z-index:40;padding-block:12px}
.nav .bar{display:flex;align-items:center;justify-content:space-between;gap:12px;background:color-mix(in srgb, var(--surface) 82%, transparent);backdrop-filter:saturate(1.4) blur(14px);-webkit-backdrop-filter:saturate(1.4) blur(14px);border:1px solid var(--line);border-radius:999px;padding:8px 8px 8px 14px;box-shadow:var(--shadow)}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;min-width:0}
.mark{flex:none;width:34px;height:34px;border-radius:10px;background:var(--brand);color:var(--mint);display:grid;place-items:center;font-weight:800;font-size:.9rem;letter-spacing:-.02em}
.logo b{font-weight:700;font-size:1rem;letter-spacing:-.02em;white-space:nowrap}
.brandlogo{display:block;height:42px;width:auto;max-width:100%}
footer .brandlogo{height:48px}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .btn-dark{background:var(--brand-2)}}
:root[data-theme="dark"] .btn-dark{background:var(--brand-2)}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .brandlogo{filter:brightness(0) invert(1)}}
:root[data-theme="dark"] .brandlogo{filter:brightness(0) invert(1)}
.nav nav{display:none;gap:4px}
.nav nav a{text-decoration:none;font-size:.92rem;font-weight:500;color:var(--muted);padding:8px 14px;border-radius:999px;transition:background .15s,color .15s}
.nav nav a[aria-current="page"]{color:var(--ink);background:var(--surface-2)}
.nav nav a:hover{background:var(--surface-2);color:var(--ink)}
@media (min-width:860px){.nav nav{display:flex}}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:999px;padding:13px 22px;font:600 .95rem var(--font);cursor:pointer;text-decoration:none;transition:transform .18s cubic-bezier(.2,.8,.2,1), box-shadow .18s, background .18s;white-space:nowrap}
.btn:hover{transform:translateY(-2px)}
.btn-dark{background:var(--brand);color:var(--on-brand)}
.btn-dark:hover{box-shadow:0 10px 24px -10px var(--brand)}
.btn-accent{background:var(--accent);color:var(--on-accent)}
.btn-line{background:var(--surface);color:var(--ink);border:1px solid var(--line)}
.btn .arr{transition:transform .18s}
.btn:hover .arr{transform:translateX(3px)}
.nav .btn{padding:10px 18px;font-size:.88rem}

/* hero */
.hero{padding-block:8px 0}
.hero-grid{display:grid;gap:40px}
@media (min-width:980px){.hero-grid{grid-template-columns:1.1fr .9fr;align-items:center;gap:56px}}
.hero h1{font-size:clamp(2.6rem,6.4vw,4.9rem);font-weight:800;margin-block:20px 22px}
.hero h1 .hl{background:linear-gradient(transparent 62%, color-mix(in srgb, var(--accent) 45%, transparent) 62%);padding-inline:2px}
.hero .lede{font-size:1.15rem;color:var(--muted);max-width:32em}
.hero .ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:40px;max-width:520px}
.stats div{border-left:2px solid var(--line);padding-left:14px}
.stats b{display:block;font-size:clamp(1.5rem,3vw,2rem);font-weight:700;letter-spacing:-.03em}
.stats span{font-size:.85rem;color:var(--muted)}

/* calc */
.calc{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:22px;box-shadow:var(--shadow);min-width:0;position:relative}
.calc::before{content:"";position:absolute;inset:-1px;border-radius:inherit;padding:1px;background:linear-gradient(140deg, color-mix(in srgb, var(--accent) 60%, transparent), transparent 40%);-webkit-mask:linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0);-webkit-mask-composite:xor;mask-composite:exclude;pointer-events:none}
.tabs{display:grid;grid-template-columns:repeat(3,1fr);gap:4px;background:var(--surface-2);padding:4px;border-radius:999px;margin-bottom:22px}
.tabs button{border:0;background:transparent;color:var(--muted);font:600 .88rem var(--font);padding:10px 8px;border-radius:999px;cursor:pointer;transition:background .2s,color .2s}
.tabs button[aria-selected="true"]{background:var(--surface);color:var(--ink);box-shadow:0 1px 4px rgba(0,0,0,.12)}
.field{display:grid;gap:8px;margin-bottom:18px}
.field label{display:flex;justify-content:space-between;align-items:baseline;gap:12px;font-size:.88rem;font-weight:500;color:var(--muted)}
.field output{font-family:var(--mono);font-variant-numeric:tabular-nums;color:var(--ink);font-weight:600;font-size:.95rem}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:999px;background:linear-gradient(var(--brand-2),var(--brand-2)) 0/var(--p,50%) 100% no-repeat, var(--surface-2);outline-offset:6px}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--surface);border:2px solid var(--brand-2);box-shadow:0 2px 6px rgba(0,0,0,.2);cursor:grab}
input[type=range]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:var(--surface);border:2px solid var(--brand-2);box-shadow:0 2px 6px rgba(0,0,0,.2);cursor:grab}
.seg{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.seg button{padding:10px;border:1px solid var(--line);background:var(--surface);color:var(--ink);border-radius:var(--r-sm);font:500 .9rem var(--font);cursor:pointer;transition:border-color .15s, background .15s}
.seg button[aria-pressed="true"]{border-color:var(--brand-2);background:var(--surface-2);font-weight:600}
.result{margin-top:8px;padding:20px;border-radius:var(--r);background:linear-gradient(135deg,var(--brand) 30%,var(--brand-2));color:var(--on-brand)}
.result .label{font-size:.78rem;opacity:.75;font-weight:500;text-transform:uppercase;letter-spacing:.1em}
.result .big{font-family:var(--mono);font-size:clamp(1.55rem,4vw,2.1rem);font-weight:600;font-variant-numeric:tabular-nums;line-height:1.2;margin-top:6px;letter-spacing:-.02em}
.result .big .g{color:var(--mint)}
.result .sub{font-size:.88rem;opacity:.8;margin-top:6px}
.meter{display:flex;height:8px;border-radius:999px;overflow:hidden;margin-top:14px;background:rgba(255,255,255,.12)}
.meter i{display:block;height:100%;transition:width .35s cubic-bezier(.2,.8,.2,1)}
.meter .a{background:var(--mint)}
.meter .b{background:var(--accent)}
.legend{display:flex;flex-wrap:wrap;gap:6px 16px;font-size:.78rem;opacity:.85;margin-top:8px}
.legend span{display:flex;align-items:center;gap:6px}
.legend i{width:8px;height:8px;border-radius:2px;display:inline-block}
.fine{font-size:.75rem;color:var(--muted);margin-top:12px;line-height:1.45}
.calc .btn{width:100%;margin-top:14px}

/* "We work with" lender strip: full-width continuous scroll */
.ticker{padding-block:44px 8px;overflow:hidden}
.ticker .lbl{display:block;text-align:center;font-size:.8rem;font-weight:600;color:var(--muted);text-transform:uppercase;letter-spacing:.14em;margin-bottom:20px}
.track{overflow:hidden;-webkit-mask:linear-gradient(90deg,transparent,#000 10%,#000 90%,transparent);mask:linear-gradient(90deg,transparent,#000 10%,#000 90%,transparent)}
.track ul{display:flex;gap:14px;list-style:none;margin:0;padding:0;width:max-content;animation:slide 45s linear infinite}
.track li{flex:none;display:flex;align-items:center;justify-content:center;height:64px;min-width:150px;padding:0 26px;border-radius:16px;background:var(--surface);border:1px solid var(--line)}
.track li img{max-height:32px;width:auto;display:block}
.track .wm{font-weight:700;font-size:1.1rem;letter-spacing:-.02em;color:var(--ink);white-space:nowrap}
.track li.more .wm{font-weight:500;color:var(--muted);font-size:.95rem}
.track:hover ul{animation-play-state:paused}
@keyframes slide{to{transform:translateX(calc(-50% - 7px))}}

section{padding-block:88px}
.head{display:grid;gap:14px;max-width:660px;margin-bottom:40px}
.head p{color:var(--muted);font-size:1.05rem}
.kicker{font-size:.8rem;font-weight:600;color:var(--brand-2);text-transform:uppercase;letter-spacing:.12em}
:root[data-theme="dark"] .kicker{color:var(--mint)}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .kicker{color:var(--mint)}}

/* bento */
.bento{display:grid;gap:14px;grid-template-columns:1fr}
@media (min-width:700px){.bento{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1000px){.bento{grid-template-columns:repeat(4,1fr);grid-auto-rows:minmax(190px,auto)}}
.tile{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:26px;display:flex;flex-direction:column;justify-content:space-between;gap:18px;transition:transform .25s cubic-bezier(.2,.8,.2,1), box-shadow .25s}
.tile:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.tile p{color:var(--muted);font-size:.95rem}
.tile .big{font-size:clamp(2.4rem,5vw,3.6rem);font-weight:800;letter-spacing:-.05em;line-height:1}
.tile.dark{background:linear-gradient(150deg,var(--brand) 40%,var(--brand-2));color:var(--on-brand);border-color:transparent}
.tile.dark p{color:var(--on-brand);opacity:.78}
.tile.dark .big{color:var(--mint)}
.tile.gold{background:var(--accent);color:var(--on-accent);border-color:transparent}
.tile.gold p{color:var(--on-accent);opacity:.8}
@media (min-width:1000px){.span2{grid-column:span 2}.row2{grid-row:span 2}}
.langs{display:flex;flex-wrap:wrap;gap:8px}
.langs em{font-style:normal;font-weight:600;font-size:.9rem;padding:6px 12px;border-radius:999px;background:var(--surface-2)}
.ico{width:40px;height:40px;border-radius:12px;display:grid;place-items:center;background:var(--surface-2)}
.ico svg{width:20px;height:20px;stroke:var(--brand-2);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
:root[data-theme="dark"] .ico svg{stroke:var(--mint)}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .ico svg{stroke:var(--mint)}}

/* quiz */
.quiz{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:28px;display:grid;gap:26px;box-shadow:var(--shadow)}
@media (min-width:880px){.quiz{grid-template-columns:280px 1fr;gap:48px;padding:40px}}
.qside h2{font-size:clamp(1.6rem,3vw,2.2rem)}
.qside p{color:var(--muted);margin-top:12px}
.steps{display:flex;gap:6px;margin-top:22px}
.steps i{flex:1;height:4px;border-radius:3px;background:var(--line);transition:background .3s}
.steps i.on{background:var(--brand-2)}
.q-title{font-size:1.4rem;font-weight:700;letter-spacing:-.02em;margin-bottom:18px}
.opts{display:grid;gap:10px}
@media (min-width:560px){.opts{grid-template-columns:1fr 1fr}}
.opts button{text-align:left;border:1px solid var(--line);background:var(--bg);color:var(--ink);border-radius:var(--r);padding:16px 18px;font:500 1rem var(--font);cursor:pointer;transition:border-color .15s, background .15s, transform .15s;display:flex;justify-content:space-between;align-items:center;gap:12px}
.opts button::after{content:"→";color:var(--muted);transition:transform .15s}
.opts button:hover{border-color:var(--brand-2);background:var(--surface-2)}
.opts button:hover::after{transform:translateX(3px);color:var(--ink)}
.opts small{display:block;color:var(--muted);font-size:.82rem;margin-top:2px}
.q-back{margin-top:16px;background:none;border:0;color:var(--muted);font:500 .9rem var(--font);cursor:pointer;padding:0}
.fade{animation:fade .35s ease}
@keyframes fade{from{opacity:.001;transform:translateY(6px)}to{opacity:1;transform:none}}
.q-result h3{font-size:1.7rem;letter-spacing:-.03em;margin-block:6px 10px}
.q-result ul{margin:16px 0 0;padding:0;list-style:none;display:grid;gap:10px}
.q-result li{display:flex;gap:10px;color:var(--muted)}
.q-result li::before{content:"✓";color:var(--good);font-weight:700}
.q-result .row{display:flex;flex-wrap:wrap;gap:10px;margin-top:24px}

/* services */
.filters{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:22px}
.filters button{border:1px solid var(--line);background:var(--surface);color:var(--muted);font:500 .9rem var(--font);padding:9px 16px;border-radius:999px;cursor:pointer}
.filters button[aria-pressed="true"]{background:var(--ink);color:var(--bg);border-color:var(--ink)}
.svc{display:grid;gap:14px;grid-template-columns:repeat(auto-fill,minmax(270px,1fr))}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:22px;display:flex;flex-direction:column;gap:10px;transition:border-color .2s, transform .2s}
.card:hover{border-color:var(--brand-2);transform:translateY(-2px)}
.card .cat{font-size:.75rem;font-weight:600;color:var(--muted);text-transform:uppercase;letter-spacing:.1em}
.card p{color:var(--muted);font-size:.94rem;flex:1}
.card a{font-weight:600;font-size:.9rem;text-decoration:none;display:inline-flex;gap:6px;align-items:center}
.card a:hover{text-decoration:underline;text-underline-offset:4px}

/* timeline */
.dark-band{background:linear-gradient(135deg,var(--brand) 35%,var(--brand-2));color:var(--on-brand);border-radius:32px;margin-inline:max(8px, env(safe-area-inset-left,0px))}
.dark-band .head p{color:var(--on-brand);opacity:.75}
.dark-band .kicker{color:var(--mint)!important}
.tl{display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));list-style:none;margin:0;padding:0;counter-reset:s}
.tl li{counter-increment:s;padding:22px;border-radius:var(--r);background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1)}
.tl li::before{content:"0" counter(s);font-family:var(--mono);font-size:.85rem;color:var(--mint);display:block;margin-bottom:26px}
.tl p{opacity:.78;font-size:.94rem;margin-top:8px}

/* reviews */
.reviews{border:1.5px dashed var(--line);border-radius:var(--r-lg);padding:32px;display:grid;gap:6px;text-align:center;color:var(--muted)}
.reviews strong{color:var(--ink);font-size:1.15rem}

/* faq */
.faq-grid{display:grid;gap:40px}
@media (min-width:900px){.faq-grid{grid-template-columns:.8fr 1.2fr}}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;font-weight:600;font-size:1.05rem;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px;padding-block:20px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";flex:none;width:28px;height:28px;border-radius:50%;background:var(--surface-2) center/12px no-repeat url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'%3E%3Cpath d='M6 1v10M1 6h10' stroke='%235a6b66' stroke-width='1.6' stroke-linecap='round'/%3E%3C/svg%3E");transition:transform .25s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq p{color:var(--muted);padding-bottom:20px;max-width:62ch}

/* contact */
.contact{display:grid;gap:32px;background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:28px;box-shadow:var(--shadow)}
@media (min-width:900px){.contact{grid-template-columns:.9fr 1.1fr;padding:44px;gap:48px}}
.cinfo{display:grid;gap:22px;align-content:start}
.cinfo .item{display:flex;gap:14px;align-items:center}
.cinfo .item span{display:block;font-size:.78rem;color:var(--muted);text-transform:uppercase;letter-spacing:.1em}
.cinfo .item b{font-weight:600;font-size:1.05rem;user-select:all}
.copy{margin-left:auto;border:1px solid var(--line);background:var(--surface);color:var(--muted);font:500 .8rem var(--font);padding:6px 12px;border-radius:999px;cursor:pointer}
form.enq{display:grid;gap:14px;align-content:start}
.two{display:grid;gap:14px}
@media (min-width:560px){.two{grid-template-columns:1fr 1fr}}
form.enq label{display:grid;gap:6px;font-size:.86rem;font-weight:500;color:var(--muted)}
form.enq input,form.enq select,form.enq textarea{font:inherit;font-size:1rem;color:var(--ink);padding:13px 14px;border:1px solid var(--line);border-radius:var(--r-sm);background:var(--bg);width:100%;transition:border-color .15s, box-shadow .15s}
form.enq textarea{min-height:100px;resize:vertical}
form.enq input:focus,form.enq select:focus,form.enq textarea:focus{border-color:var(--brand-2);box-shadow:0 0 0 4px color-mix(in srgb, var(--brand-2) 18%, transparent);outline:none}
.err{color:var(--danger);font-size:.85rem}
.sent{background:var(--surface-2);border-radius:var(--r);padding:24px}
.sent b{display:block;font-size:1.2rem;margin-bottom:4px;letter-spacing:-.02em}

footer{padding-block:56px 32px;font-size:.88rem;color:var(--muted)}
footer .wrap{display:grid;gap:24px}
footer .cols{display:flex;flex-wrap:wrap;justify-content:space-between;gap:20px;align-items:center}
footer .legal{font-size:.8rem;border-top:1px solid var(--line);padding-top:22px;line-height:1.55}
.draft{display:inline-block;margin-top:8px;font-size:.75rem;font-weight:600;padding:3px 10px;border-radius:999px;background:var(--surface-2);color:var(--muted)}

/* mobile bar */
.mbar{position:fixed;left:0;right:0;bottom:0;z-index:50;padding:10px max(12px, env(safe-area-inset-right,0px)) calc(10px + env(safe-area-inset-bottom,0px)) max(12px, env(safe-area-inset-left,0px))}
.mbar .in{display:flex;gap:8px;background:color-mix(in srgb, var(--surface) 88%, transparent);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border:1px solid var(--line);border-radius:999px;padding:6px;box-shadow:var(--shadow)}
.mbar .btn{flex:1;padding:12px 10px;font-size:.9rem}
@media (min-width:880px){.mbar{display:none}}

/* captcha: keep the 303px hCaptcha box inside the contact card on phones */
.h-captcha{min-height:78px}
@media (max-width:420px){.contact{padding:20px}}

/* ===== menu button + dropdown (phones, split screen, small windows) ===== */
.nav .actions{display:flex;align-items:center;gap:8px;flex:none}
.nav-toggle{display:inline-grid;place-items:center;width:44px;height:44px;border-radius:50%;border:1px solid var(--line);background:var(--surface);color:var(--ink);cursor:pointer;padding:0}
.nav-toggle svg{width:20px;height:20px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round}
.nav-toggle .x{display:none}
.nav-toggle[aria-expanded="true"] .bars{display:none}
.nav-toggle[aria-expanded="true"] .x{display:block}
@media (min-width:860px){.nav-toggle,.nav-panel{display:none!important}}
@media (min-width:860px) and (max-width:1099px){.nav nav{gap:0}.nav nav a{padding:8px 9px;font-size:.86rem}.nav .bar{gap:8px;padding-left:12px}.nav .brandlogo{height:36px}.nav .actions .btn{padding:9px 14px;font-size:.84rem}}
@media (max-width:519px){.nav .actions .btn{display:none}}
.nav-panel{margin-top:8px;background:var(--surface);border:1px solid var(--line);border-radius:24px;padding:10px;box-shadow:var(--shadow);max-height:calc(100dvh - 110px);overflow:auto}
.nav-panel a{display:block;text-decoration:none;font-weight:500;font-size:1.05rem;padding:13px 16px;border-radius:14px;color:var(--ink)}
.nav-panel a:hover{background:var(--surface-2)}
.nav-panel a[aria-current="page"]{background:var(--surface-2);font-weight:600}
.nav-panel .btn{display:flex;margin-top:8px;color:var(--on-brand)}
.nav-panel .btn:hover{background:var(--brand)}

/* ===== cinematic hero ===== */
.hero-stage{position:relative;overflow:hidden;border-radius:32px;min-height:min(86vh,760px);display:flex;align-items:flex-end;color:#fff;background:#0b1d2e;isolation:isolate}
@media (max-width:640px){.hero-stage{border-radius:24px;min-height:620px}}
.hero-media{position:absolute;inset:0;z-index:-2}
.hero-media .scene{position:absolute;inset:-4%;width:108%;height:108%;animation:kenburns 28s ease-in-out infinite alternate;transform-origin:60% 70%}
@keyframes kenburns{from{transform:scale(1) translate(0,0)}to{transform:scale(1.12) translate(-2.5%,-1.5%)}}
.hero-media .scene .win{animation:glow 6s ease-in-out infinite}
.hero-media .scene .win:nth-of-type(3n){animation-delay:-2s}
.hero-media .scene .win:nth-of-type(4n){animation-delay:-4s}
@keyframes glow{0%,100%{opacity:.35}50%{opacity:1}}
.hero-media .scene .sun{animation:drift 30s ease-in-out infinite alternate}
@keyframes drift{to{transform:translate(-60px,24px)}}
.hero-video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:0;transition:opacity 1.2s ease}
.hero-media.has-video .hero-video{opacity:1}
.hero-media.has-video .scene{display:none}
.hero-stage::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(8,20,33,.15) 0%,rgba(8,20,33,.35) 45%,rgba(8,20,33,.88) 100%),linear-gradient(90deg,rgba(8,20,33,.7),rgba(8,20,33,0) 70%)}
.hero-copy{padding:clamp(24px,5vw,64px);max-width:820px}
.hero-copy .tag{background:rgba(255,255,255,.12);border-color:rgba(255,255,255,.22);color:#fff;backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px)}
.hero-copy h1{font-size:clamp(2.6rem,6.6vw,5.4rem);font-weight:800;margin-block:20px 18px;color:#fff}
.hero-copy h1 .hl{color:#bcd6f5}
.hero-copy .lede{font-size:clamp(1.05rem,1.6vw,1.2rem);color:rgba(255,255,255,.85);max-width:34em}
.hero-copy .ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.btn-light{background:#fff;color:var(--brand)}
.btn-light:hover{box-shadow:0 12px 28px -10px rgba(0,0,0,.5)}
.btn-glass{background:rgba(255,255,255,.12);color:#fff;border:1px solid rgba(255,255,255,.35);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px)}
.btn-glass:hover{background:rgba(255,255,255,.2)}
.hero-copy .stats{margin-top:36px}
.hero-copy .stats div{border-left-color:rgba(255,255,255,.3)}
.hero-copy .stats span{color:rgba(255,255,255,.75)}
@media (max-width:420px){.hero-copy .ctas .btn{width:100%}.hero-copy .stats{grid-template-columns:1fr 1fr}.hero-copy .stats div:last-child{grid-column:span 2}}

/* ===== explore cards (homepage) ===== */
.explore{display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.explore a{display:flex;flex-direction:column;gap:10px;text-decoration:none;background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:24px;transition:border-color .2s,transform .2s,box-shadow .2s}
.explore a:hover{border-color:var(--brand-2);transform:translateY(-3px);box-shadow:var(--shadow)}
.explore h3{display:flex;justify-content:space-between;gap:10px}
.explore h3::after{content:"→";color:var(--muted)}
.explore p{color:var(--muted);font-size:.94rem}

/* ===== reviews ===== */
.rev-card{display:flex;flex-wrap:wrap;gap:18px 28px;align-items:center;justify-content:space-between;background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:28px 32px}
.rev-card .stars{color:#f4b400;font-size:1.3rem;letter-spacing:2px}
.rev-card h2{font-size:clamp(1.4rem,3vw,1.9rem);margin-top:6px}
.rev-card .row{display:flex;flex-wrap:wrap;gap:10px}

/* ===== sub-pages ===== */
main.sub{padding-bottom:72px}
main.sub section{padding-block:40px 0}
.quick{display:grid;gap:28px;margin-top:32px;align-items:start}
@media (min-width:980px){.quick{grid-template-columns:.8fr 1.2fr;gap:48px}}
.quick .intro h2{font-size:clamp(1.5rem,3vw,2.1rem)}
.quick .intro p{color:var(--muted);margin-top:10px}
.quick .intro ul{margin:16px 0 0;padding-left:20px;color:var(--muted);display:grid;gap:6px}
.dark-band.flat{margin-inline:0}
.contact-page .contact{margin-top:32px}

/* ===== footer additions ===== */
.fnav{display:flex;flex-wrap:wrap;gap:6px 20px}
.fnav a{text-decoration:none;color:var(--ink);font-weight:500}
.fnav a:hover{text-decoration:underline;text-underline-offset:4px}
.flang{display:flex;flex-wrap:wrap;gap:8px 18px;align-items:center}
.flang .langs em{background:var(--surface);border:1px solid var(--line);font-size:.85rem}
.flang .tr{display:flex;flex-wrap:wrap;align-items:center;gap:6px}
.flang .tr a{text-decoration:none;font-weight:600;color:var(--ink);padding:4px 10px;border-radius:999px;border:1px solid var(--line);background:var(--surface)}
.flang .tr a:hover{border-color:var(--brand-2)}
.skip{position:absolute;left:12px;top:-60px;z-index:100;background:var(--brand);color:var(--on-brand);padding:10px 16px;border-radius:999px;text-decoration:none;font-weight:600}
.skip:focus{top:12px}
.hero-copy h1 .hl{background:none;padding:0}
.hero-stage::after{background:linear-gradient(180deg,rgba(8,20,33,.05) 0%,rgba(8,20,33,.25) 45%,rgba(8,20,33,.85) 100%),linear-gradient(90deg,rgba(8,20,33,.65),rgba(8,20,33,0) 65%)}

/* lender logos: white tiles in both themes so brand colours stay true */
.track ul{animation-duration:110s}
.track li{height:76px;min-width:0;padding:0 28px;background:#fff;border-color:var(--line)}
.track li img{max-height:38px;max-width:150px;object-fit:contain}
.track li.more{background:var(--surface)}
@media (prefers-reduced-motion: reduce){.track{-webkit-mask:none;mask:none}.track ul{width:auto;flex-wrap:wrap;justify-content:center;padding-inline:max(16px, env(safe-area-inset-left, 0px))}.track li[aria-hidden="true"]{display:none}}
.track li{width:184px;padding:0 22px}
.track li img{max-width:100%}
.track li.more{width:auto}

/* ===== first home buyers ===== */
.sec-h{font-size:clamp(1.5rem,3vw,2.1rem);margin-bottom:16px}
.muted{color:var(--muted)}
.fhb-tool{display:grid;gap:24px;background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(20px,3vw,36px);box-shadow:var(--shadow)}
@media (min-width:960px){.fhb-tool{grid-template-columns:1fr 1.1fr;gap:44px}}
.fhb-in h2{font-size:clamp(1.4rem,2.6vw,1.9rem)}
.fhb-in,.fhb-out{min-width:0}
.seg3{grid-template-columns:repeat(3,1fr)}
@media (max-width:480px){.seg3{grid-template-columns:1fr}}
.schemes{list-style:none;margin:14px 0 0;padding:0;display:grid;gap:10px}
.sch{border:1px solid var(--line);border-radius:var(--r);padding:14px 16px;background:var(--bg)}
.sch h3{font-size:1rem;margin-top:8px}
.sch p{color:var(--muted);font-size:.9rem;margin-top:4px}
.sch p b{color:var(--ink)}
.sch .chip{display:inline-block;font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;padding:3px 9px;border-radius:999px}
.sch.yes .chip{background:color-mix(in srgb,var(--good) 16%,transparent);color:var(--good)}
.sch.maybe .chip{background:color-mix(in srgb,var(--accent) 16%,transparent);color:var(--accent)}
.sch.no{opacity:.75}
.sch.no .chip{background:var(--surface-2);color:var(--muted)}
.fhb-two{display:grid;gap:40px}
@media (min-width:960px){.fhb-two{grid-template-columns:1fr 1fr;gap:56px}}
.checklist{list-style:none;margin:18px 0 0;padding:0;display:grid;gap:8px}
.checklist label{display:flex;gap:12px;align-items:flex-start;padding:12px 14px;border:1px solid var(--line);border-radius:var(--r-sm);background:var(--surface);cursor:pointer;font-size:.95rem}
.checklist input{width:20px;height:20px;margin:1px 0 0;flex:none;accent-color:var(--brand-2)}
.checklist input:checked+*{color:var(--muted)}
.checklist label:has(input:checked){color:var(--muted);text-decoration:line-through;text-decoration-color:var(--line)}
.svc{grid-template-columns:repeat(auto-fit,minmax(270px,1fr))}

/* ===== wide screens: fuller layout ===== */
.wrap{max-width:1360px}
.hero .wrap{max-width:none;padding-left:max(12px, env(safe-area-inset-left, 0px));padding-right:max(12px, env(safe-area-inset-right, 0px))}
.hero-stage{min-height:min(88vh,880px)}
@media (min-width:1400px){.hero-copy{padding-left:max(64px, calc((100vw - 1360px) / 2 + 4px));max-width:none}.hero-copy h1,.hero-copy .lede{max-width:900px}.hero-copy .lede{max-width:40em}.hero-copy .stats{max-width:600px}}
@media (min-width:1600px){html{font-size:17px}}
@media (min-width:2000px){html{font-size:18px}.wrap{max-width:1560px}@media (min-width:1400px){.hero-copy{padding-left:max(64px, calc((100vw - 1560px) / 2 + 4px))}}}
.track li{width:auto;min-width:184px}
.track li img{max-width:210px}

/* ===== hero with start card ===== */
.hc-main{min-width:0}
.hero-card{display:none}
@media (min-width:1100px){
  .hero-copy{display:grid;grid-template-columns:minmax(0,1fr) minmax(360px,440px);gap:56px;align-items:end;width:100%}
  .hero-card{display:block;background:rgba(10,24,40,.42);border:1px solid rgba(255,255,255,.18);border-radius:24px;padding:28px;backdrop-filter:blur(14px) saturate(1.2);-webkit-backdrop-filter:blur(14px) saturate(1.2);box-shadow:0 24px 60px -24px rgba(0,0,0,.6)}
}
@media (min-width:1400px){.hero-copy{padding-right:max(64px, calc((100vw - 1360px) / 2 + 4px))}}
@media (min-width:2000px){.hero-copy{padding-right:max(64px, calc((100vw - 1560px) / 2 + 4px))}}
.hc-k{font-size:.75rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:#bcd6f5}
.hero-card h2{font-size:1.5rem;color:#fff;margin:10px 0 18px;letter-spacing:-.02em}
.hc-opts{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.hc-opts a{display:flex;align-items:center;justify-content:space-between;gap:8px;min-height:56px;padding:12px 14px;border-radius:14px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);color:#fff;text-decoration:none;font-weight:500;font-size:.95rem;line-height:1.25;transition:background .15s,border-color .15s,transform .15s}
.hc-opts a::after{content:"→";opacity:.6;transition:transform .15s}
.hc-opts a:hover{background:rgba(255,255,255,.16);border-color:rgba(255,255,255,.35);transform:translateY(-1px)}
.hc-opts a:hover::after{transform:translateX(3px);opacity:1}
.hc-foot{margin-top:16px;font-size:.78rem;color:rgba(255,255,255,.7)}
/* brighter, more cinematic scene */
.hero-stage::after{background:linear-gradient(180deg,rgba(8,20,33,0) 0%,rgba(8,20,33,.12) 45%,rgba(8,20,33,.78) 100%),linear-gradient(90deg,rgba(8,20,33,.62),rgba(8,20,33,.08) 55%,rgba(8,20,33,.25))}
/* ===== why us: split layout ===== */
.why{display:grid;gap:32px;align-items:center}
@media (min-width:980px){.why{grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:64px}}
.why-intro{display:grid;gap:18px;justify-items:start}
.why-intro h2{max-width:14ch}
.why-intro p{color:var(--muted);font-size:1.08rem;max-width:44ch}
.why-grid{display:grid;gap:14px;grid-template-columns:1fr}
@media (min-width:560px){.why-grid{grid-template-columns:1fr 1fr}}
.wcard{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:24px;display:grid;gap:10px;align-content:start;transition:transform .2s,box-shadow .2s,border-color .2s}
.wcard:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--brand-2)}
.wcard h3{margin-top:6px}
.wcard p{color:var(--muted);font-size:.95rem}
.wcard:first-child{background:linear-gradient(150deg,var(--brand) 40%,var(--brand-2));border-color:transparent;color:var(--on-brand)}
.wcard:first-child p{color:var(--on-brand);opacity:.8}
.wcard:first-child .ico{background:rgba(255,255,255,.14)}
.wcard:first-child .ico svg{stroke:var(--mint)}
@media (min-width:1100px){.hero-copy{max-width:none}.hero-copy h1{font-size:clamp(3rem,5.4vw,5.6rem)}}
@media (min-width:1100px) and (max-width:1399px){.hero-copy{grid-template-columns:minmax(0,1fr) 380px;gap:40px}.hc-opts a{font-size:.9rem;min-height:52px}}

/* ===== readable type scale ===== */
html{font-size:16px}
@media (min-width:1100px){html{font-size:17px}}
@media (min-width:1600px){html{font-size:18px}}
.fine{font-size:.8rem}
.card p,.wcard p,.explore p,.tile p{font-size:1rem}
.head p,.page-head p{font-size:1.1rem}
/* ===== calculators: quick estimates left column ===== */
.quick{align-items:stretch}
.quick .intro{display:flex;flex-direction:column;gap:22px}
.quick .intro>p{margin-top:-12px}
.pop .kicker{display:block;margin-bottom:10px}
.pop-list{display:grid;gap:10px}
.pop-list a{display:flex;justify-content:space-between;align-items:center;gap:12px;text-decoration:none;background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:14px 18px;transition:border-color .2s,transform .2s}
.pop-list a:hover{border-color:var(--brand-2);transform:translateY(-2px)}
.pop-list b{font-weight:600}
.pop-list span{color:var(--muted);font-size:.9rem}
.pop-list a::after{content:"→";color:var(--muted)}
.mini-cta{margin-top:auto;background:linear-gradient(135deg,var(--brand) 35%,var(--brand-2));color:var(--on-brand);border-radius:var(--r-lg);padding:24px;display:grid;gap:10px;justify-items:start}
.mini-cta p{opacity:.82}

.wlink{font-weight:600;font-size:.92rem;text-decoration:none;color:var(--brand-2);margin-top:4px}
.wlink:hover{text-decoration:underline;text-underline-offset:4px}
.scen .cat{color:var(--brand-2)}
.scen-band{margin-top:28px;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:20px 24px;border-radius:var(--r-lg);background:var(--surface);border:1px solid var(--line);text-decoration:none;transition:border-color .2s,transform .2s}
.scen-band:hover{border-color:var(--brand-2);transform:translateY(-2px)}
.scen-band b{display:block;font-size:1.1rem}
.scen-band span:not(.arr){color:var(--muted)}
.track li{background:var(--surface)}.track li:has(img){background:#fff}

/* =====================================================================
   Round 3 polish
   ===================================================================== */

/* ---- menu bar ---- */
.nav .bar{background:color-mix(in srgb, var(--surface) 88%, transparent);border:1px solid color-mix(in srgb, var(--brand-2) 22%, var(--line));box-shadow:0 1px 0 rgba(255,255,255,.6) inset, 0 8px 24px -14px rgba(15,34,54,.35);transition:box-shadow .25s, background .25s, border-color .25s}
.nav.scrolled .bar{background:color-mix(in srgb, var(--surface) 96%, transparent);box-shadow:0 1px 0 rgba(255,255,255,.6) inset, 0 14px 34px -14px rgba(15,34,54,.45);border-color:color-mix(in srgb, var(--brand-2) 35%, var(--line))}
.nav nav{gap:2px}
.nav nav a{position:relative;color:var(--ink);opacity:.78;font-weight:500}
.nav nav a:hover{opacity:1;background:color-mix(in srgb, var(--brand-2) 10%, transparent);color:var(--ink)}
.nav nav a[aria-current="page"]{opacity:1;background:var(--brand);color:var(--on-brand);font-weight:600;box-shadow:0 6px 14px -8px var(--brand)}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .nav nav a[aria-current="page"]{background:var(--brand-2)}}
:root[data-theme="dark"] .nav nav a[aria-current="page"]{background:var(--brand-2)}
.nav-cta{gap:8px;background:linear-gradient(135deg,var(--brand),var(--brand-2))!important}
.nav-cta .ph{width:16px;height:16px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.nav-panel a[aria-current="page"]{background:var(--brand);color:var(--on-brand)}

/* ---- sub-page headers get a soft tinted panel ---- */
.page-head,.about-hero{position:relative;margin-top:20px;padding:clamp(28px,4vw,48px)!important;max-width:none!important;border-radius:var(--r-lg);background:radial-gradient(120% 140% at 100% 0%, color-mix(in srgb, var(--brand-2) 18%, transparent), transparent 55%), linear-gradient(180deg, var(--surface), color-mix(in srgb, var(--surface-2) 70%, var(--surface)));border:1px solid var(--line);overflow:hidden}
.page-head h1,.about-hero h1{max-width:20ch}
.page-head p,.about-hero p{max-width:60ch}
.page-head::after,.about-hero::after{content:"";position:absolute;right:-60px;bottom:-80px;width:280px;height:280px;border-radius:50%;border:40px solid color-mix(in srgb, var(--brand-2) 8%, transparent);pointer-events:none}

/* ---- comparison: going direct vs with us ---- */
.why{align-items:start}
.why-intro{position:sticky;top:110px}
.why-intro .fine{max-width:40ch}
.cmp{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow)}
.cmp-head,.cmp-row{display:grid;grid-template-columns:1.05fr 1fr 1.15fr;align-items:center}
.cmp-head{font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--muted)}
.cmp-head>div{padding:16px 18px}
.cmp-head .us{background:var(--brand);color:var(--on-brand)}
.cmp-row{border-top:1px solid var(--line)}
.cmp-row>div{padding:16px 18px;display:flex;gap:10px;align-items:flex-start;min-width:0}
.cmp-l{font-weight:600}
.cmp-l svg{flex:none;width:22px;height:22px;fill:none;stroke:var(--brand-2);stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.cmp-a{color:var(--muted)}
.cmp-b{background:color-mix(in srgb, var(--brand-2) 9%, transparent);font-weight:500}
.cmp .x{color:var(--muted);font-weight:700}
.cmp .ok{flex:none;width:20px;height:20px;border-radius:50%;background:var(--good);color:#fff;display:grid;place-items:center;font-size:.7rem;font-weight:800;margin-top:2px}
.cmp .m{display:none;font-style:normal}
@media (max-width:760px){
  .why-intro{position:static}
  .cmp-head{display:none}
  .cmp-row{grid-template-columns:1fr;padding:14px 0}
  .cmp-row>div{padding:6px 18px}
  .cmp-b{background:none}
  .cmp .m{display:inline;font-weight:600;color:var(--ink)}
}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .cmp-l svg{stroke:var(--mint)}}
:root[data-theme="dark"] .cmp-l svg{stroke:var(--mint)}

/* ---- how it works stepper ---- */
.how-home{padding-top:0}
.stepper{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(18px,3vw,32px);box-shadow:var(--shadow)}
.st-tabs{display:grid;grid-template-columns:repeat(4,1fr);gap:8px}
.st-tabs button{display:flex;align-items:center;gap:12px;text-align:left;border:1px solid var(--line);background:var(--bg);color:var(--ink);border-radius:var(--r);padding:14px 16px;font:600 .95rem var(--font);cursor:pointer;transition:border-color .2s, background .2s, transform .2s}
.st-tabs button:hover{border-color:var(--brand-2);transform:translateY(-1px)}
.st-tabs .n{flex:none;width:34px;height:34px;border-radius:50%;display:grid;place-items:center;font-family:var(--mono);font-size:.8rem;background:var(--surface-2);color:var(--brand-2);transition:background .2s,color .2s}
.st-tabs button[aria-selected="true"]{border-color:var(--brand);background:var(--brand);color:var(--on-brand)}
.st-tabs button[aria-selected="true"] .n{background:rgba(255,255,255,.16);color:#fff}
.st-tabs button.done .n{background:var(--good);color:#fff}
@media (max-width:760px){.st-tabs{grid-template-columns:repeat(4,1fr)}.st-tabs .t{display:none}.st-tabs button{justify-content:center;padding:10px}}
.st-bar{height:4px;border-radius:4px;background:var(--surface-2);margin:18px 0 6px;overflow:hidden}
.st-bar i{display:block;height:100%;width:25%;background:linear-gradient(90deg,var(--brand-2),var(--accent));border-radius:4px;transition:width .35s cubic-bezier(.2,.8,.2,1)}
.st-panel{display:grid;gap:24px;padding:22px 4px 4px;animation:fade .35s ease}
@media (min-width:900px){.st-panel{grid-template-columns:1.3fr 1fr;gap:48px;align-items:start}}
.st-k{font-size:.78rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--brand-2)}
.st-main h3{font-size:clamp(1.4rem,2.4vw,1.9rem);margin:8px 0 10px;letter-spacing:-.02em}
.st-main p{color:var(--muted);font-size:1.05rem;max-width:56ch}
.st-side{display:grid;gap:12px}
.st-side>div{background:var(--bg);border:1px solid var(--line);border-radius:var(--r);padding:14px 16px}
.st-side .lbl{display:block;font-size:.75rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:4px}
.st-nav{display:flex;justify-content:space-between;gap:10px;margin-top:22px;flex-wrap:wrap}
.st-nav .btn:disabled{opacity:.4;cursor:default;transform:none}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .st-k{color:var(--mint)}}
:root[data-theme="dark"] .st-k{color:var(--mint)}

/* ---- explore cards get a soft accent ---- */
.explore a{position:relative;overflow:hidden}
.explore a::before{content:"";position:absolute;inset:0 0 auto;height:3px;background:linear-gradient(90deg,var(--brand-2),var(--accent));opacity:0;transition:opacity .2s}
.explore a:hover::before{opacity:1}

/* ---- services: whole card is the link ---- */
.svc-card{position:relative;display:flex;flex-direction:column;gap:8px;text-decoration:none;color:inherit;background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:24px;transition:border-color .2s, transform .2s, box-shadow .2s}
.svc-card:hover{border-color:var(--brand-2);transform:translateY(-3px);box-shadow:var(--shadow)}
.svc-ico{width:44px;height:44px;border-radius:12px;display:grid;place-items:center;background:color-mix(in srgb, var(--brand-2) 12%, transparent);margin-bottom:6px}
.svc-ico svg{width:22px;height:22px;fill:none;stroke:var(--brand-2);stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.svc-card .cat{font-size:.72rem;font-weight:600;color:var(--muted);text-transform:uppercase;letter-spacing:.1em}
.svc-card p{color:var(--muted);flex:1}
.svc-go{display:flex;align-items:center;justify-content:flex-end;gap:8px;margin-top:6px;font-weight:600;font-size:.9rem;color:var(--brand-2)}
.svc-go .cue{opacity:0;transform:translateX(6px);transition:opacity .2s, transform .2s}
.svc-go .arrow{width:34px;height:34px;border-radius:50%;display:grid;place-items:center;border:1px solid var(--line);transition:background .2s,color .2s,border-color .2s}
.svc-card:hover .svc-go .cue,.svc-card:focus-visible .svc-go .cue{opacity:1;transform:none}
.svc-card:hover .svc-go .arrow{background:var(--brand);border-color:var(--brand);color:var(--on-brand)}
@media (hover:none){.svc-go .cue{opacity:1;transform:none}}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .svc-ico svg{stroke:var(--mint)}:root:not([data-theme="light"]) .svc-go{color:var(--mint)}}
:root[data-theme="dark"] .svc-ico svg{stroke:var(--mint)}:root[data-theme="dark"] .svc-go{color:var(--mint)}

/* ---- loan finder ---- */
.opts button.picked{border-color:var(--brand-2);background:var(--surface-2)}
.q-links{display:flex;flex-wrap:wrap;gap:8px;align-items:center;margin-top:18px}
.q-links .lbl{width:100%;font-size:.75rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.q-links a{text-decoration:none;font-weight:600;font-size:.92rem;padding:8px 14px;border-radius:999px;border:1px solid var(--line);background:var(--surface)}
.q-links a:hover{border-color:var(--brand-2)}

/* ---- FAQ ---- */
.faq-tools{display:grid;gap:14px;margin-bottom:12px}
.faq-search{display:flex;align-items:center;gap:10px;background:var(--surface);border:1px solid var(--line);border-radius:999px;padding:4px 18px;max-width:560px;transition:border-color .15s, box-shadow .15s}
.faq-search:focus-within{border-color:var(--brand-2);box-shadow:0 0 0 4px color-mix(in srgb, var(--brand-2) 18%, transparent)}
.faq-search svg{width:18px;height:18px;flex:none;fill:none;stroke:var(--muted);stroke-width:2;stroke-linecap:round}
.faq-search input{flex:1;min-width:0;border:0;background:transparent;font:inherit;color:var(--ink);padding:12px 0;outline:none}
.faq-groups{display:grid;gap:36px;max-width:880px}
.fg-h{font-size:1.25rem;margin-bottom:4px;color:var(--brand-2)}
.faq-none{color:var(--muted);margin-top:16px}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .fg-h{color:var(--mint)}}
:root[data-theme="dark"] .fg-h{color:var(--mint)}

/* ---- about ---- */
.about-stats{display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));margin-top:48px}
.about-stats div{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:20px 22px}
.about-stats b{display:block;font-size:clamp(1.5rem,2.6vw,2rem);font-weight:700;letter-spacing:-.03em;color:var(--brand)}
.about-stats span{color:var(--muted);font-size:.95rem}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .about-stats b{color:var(--mint)}}
:root[data-theme="dark"] .about-stats b{color:var(--mint)}
.expect>div{display:grid;gap:8px;align-content:start}
.expect .ico{margin-bottom:4px}
.profile .btn-light{color:var(--brand)}

/* ---- dark footer ---- */
.site-footer{margin-top:72px;background:linear-gradient(160deg,#0f2438 30%,#173a57);color:rgba(238,244,251,.78);padding-block:64px 32px;font-size:.92rem}
.site-footer .wrap{display:grid;gap:32px}
.f-top{display:grid;gap:32px}
@media (min-width:900px){.f-top{grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px}}
.f-brand{display:grid;gap:16px;justify-items:start}
.f-brand .brandlogo{filter:brightness(0) invert(1);height:48px}
.f-brand p{max-width:32ch}
.f-col{display:grid;gap:10px;align-content:start}
.f-col h3{font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:#bcd6f5;margin-bottom:4px}
.f-col a{color:#fff;text-decoration:none;opacity:.85}
.f-col a:hover{opacity:1;text-decoration:underline;text-underline-offset:4px}
.f-sub{font-size:.85rem;opacity:.7}
.site-footer .flang{border-top:1px solid rgba(255,255,255,.12);padding-top:24px}
.site-footer .flang .langs em{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.16);color:#fff}
.site-footer .flang .tr a{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.16);color:#fff}
.site-footer .legal{border-top:1px solid rgba(255,255,255,.12);color:rgba(238,244,251,.6)}
.site-footer .legal a{color:#fff}
body{padding-bottom:0}
@media (max-width:879px){.site-footer{padding-bottom:110px}}
.expect>div>.ico{width:42px;height:42px;padding:0;border:0;border-radius:12px;background:color-mix(in srgb, var(--brand-2) 12%, transparent);display:grid;place-items:center}
.expect>div>.ico svg{width:22px;height:22px}

/* ---- comparison table v2 ---- */
@media (min-width:980px){.why{grid-template-columns:minmax(0,.72fr) minmax(0,1.28fr);gap:56px}}
.cmp-head,.cmp-row{grid-template-columns:minmax(170px,1.05fr) minmax(0,1fr) minmax(0,1.1fr)}
.cmp-head>div{display:flex;align-items:center;gap:10px;padding:18px 20px;white-space:nowrap;font-size:.82rem}
.cmp-head .them{color:var(--muted)}
.hd-ico{display:none}
.hd-logo{width:22px;height:22px;flex:none}
.cmp-row>div{align-items:center;padding:18px 20px}
.cmp-l{gap:12px!important}
.cmp-l svg{width:20px;height:20px;padding:8px;box-sizing:content-box;border-radius:10px;background:color-mix(in srgb, var(--brand-2) 10%, transparent)}
.cmp .x,.cmp .ok{flex:none;width:22px;height:22px;border-radius:50%;display:grid;place-items:center;font-size:.68rem;font-weight:800;margin:0;align-self:center}
.cmp .x{background:var(--surface-2);color:var(--muted)}
.cmp-row:hover .cmp-b{background:color-mix(in srgb, var(--brand-2) 15%, transparent)}
.cmp-row:hover{background:color-mix(in srgb, var(--surface-2) 40%, transparent)}
.cmp-a span:last-child,.cmp-b span:last-child{line-height:1.45}
@media (max-width:760px){.cmp-row>div{padding:6px 18px;align-items:flex-start}.cmp .x,.cmp .ok{margin-top:1px}}
.cmp-row{align-items:stretch}
.cmp-row>div{display:flex;align-items:center}
@media (min-width:980px) and (max-width:1239px){.why{grid-template-columns:1fr;gap:32px}.why-intro{position:static;max-width:640px}}

/* ---- comparison v3: full width, three labelled columns ---- */
.why{grid-template-columns:1fr!important;gap:32px!important}
.why-intro{position:static!important;display:grid;gap:18px 56px;align-items:end;max-width:none!important}
@media (min-width:980px){.why-intro{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}}
.why-intro h2{max-width:16ch}
.why-side{display:grid;gap:16px;justify-items:start}
.why-side>p:first-child{color:var(--muted);font-size:1.08rem;max-width:46ch}
.cmp-head,.cmp-row{grid-template-columns:minmax(220px,1fr) minmax(0,1.1fr) minmax(0,1.25fr)!important}
.cmp-head>div{padding:18px 24px;font-size:.8rem;letter-spacing:.1em}
.cmp-head .what{background:var(--surface-2);color:var(--ink)}
.cmp-head .them{background:color-mix(in srgb, var(--muted) 16%, var(--surface));color:var(--ink)}
.cmp-head .them::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--muted)}
.cmp-head .us{background:var(--brand);color:var(--on-brand)}
.cmp-row>div{padding:18px 24px}
.cmp-l{background:color-mix(in srgb, var(--surface-2) 55%, var(--surface))}
.cmp-a{background:color-mix(in srgb, var(--muted) 6%, var(--surface))}
.cmp-b{background:color-mix(in srgb, var(--brand-2) 10%, var(--surface))}
.cmp-row:hover .cmp-l{background:var(--surface-2)}
.cmp-row:hover .cmp-a{background:color-mix(in srgb, var(--muted) 11%, var(--surface))}
.cmp-row:hover .cmp-b{background:color-mix(in srgb, var(--brand-2) 16%, var(--surface))}
.cmp-row:hover{background:none}
.cmp-a,.cmp-b{font-size:1rem}
.cmp-row:last-child>div{padding-bottom:20px}
@media (max-width:760px){
  .cmp-row{padding:0}
  .cmp-row>div{padding:10px 18px}
  .cmp-l{padding-top:16px!important}
  .cmp-a,.cmp-b{background:none}
  .cmp-b{padding-bottom:16px!important}
}
@media (max-width:760px){.cmp-row{grid-template-columns:1fr!important}.cmp-l{background:var(--surface-2)!important}}

/* ---- calculator page introductions ---- */
.calc-intro{display:grid;gap:14px;margin-top:24px;max-width:none}
@media (min-width:900px){.calc-intro{grid-template-columns:1.3fr 1fr;gap:28px;align-items:start}}
.calc-intro>p:first-child{font-size:1.05rem;line-height:1.7;max-width:62ch}
.calc-tip{background:color-mix(in srgb, var(--brand-2) 9%, var(--surface));border:1px solid color-mix(in srgb, var(--brand-2) 22%, var(--line));border-radius:var(--r);padding:16px 18px;font-size:.95rem;color:var(--ink)}
.calc-tip b{color:var(--brand-2)}
.calc-tip a{font-weight:600}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .calc-tip b{color:var(--mint)}}
:root[data-theme="dark"] .calc-tip b{color:var(--mint)}

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

.track li img{max-height:40px}
.track li img.tall{max-height:58px}

/* ---- FBAA and AFCA logos ---- */
.f-badges{display:flex;flex-wrap:wrap;gap:10px;margin-top:8px}
.f-badges .badge{display:inline-flex;align-items:center;background:#fff;border-radius:10px;padding:8px 12px}
.f-badges img{height:30px;width:auto;display:block}
.creds .has-logo img{display:block;height:40px;width:auto;margin-bottom:12px}
.creds .has-logo{background:#fff}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .creds .has-logo b{color:#0f2236}:root:not([data-theme="light"]) .creds .has-logo span{color:#5a6a7d}}
:root[data-theme="dark"] .creds .has-logo b{color:#0f2236}:root[data-theme="dark"] .creds .has-logo span{color:#5a6a7d}
.afca-logo{margin-top:16px}
.afca-logo img{height:48px;width:auto;display:block;background:#fff;border-radius:8px;padding:4px}

/* ---- comparison v4: blue frame, all three columns coloured ---- */
.cmp{border:2px solid var(--brand-2);box-shadow:0 18px 40px -22px color-mix(in srgb, var(--brand-2) 60%, transparent)}
.cmp-head>div{color:#fff!important;font-weight:700}
.cmp-head .what{background:var(--brand-2)}
.cmp-head .them{background:#64748b}
.cmp-head .them::before{background:rgba(255,255,255,.7)}
.cmp-head .us{background:var(--brand)}
.cmp-l{background:color-mix(in srgb, var(--brand-2) 8%, var(--surface))}
.cmp-a{background:color-mix(in srgb, #64748b 7%, var(--surface))}
.cmp-b{background:color-mix(in srgb, var(--brand) 11%, var(--surface))}
.cmp-row>div+div{border-left:1px solid color-mix(in srgb, var(--brand-2) 18%, var(--line))}
.cmp-head>div+div{border-left:1px solid rgba(255,255,255,.18)}
.cmp-row{border-top-color:color-mix(in srgb, var(--brand-2) 18%, var(--line))}
.cmp-row:hover .cmp-l{background:color-mix(in srgb, var(--brand-2) 14%, var(--surface))}
.cmp-row:hover .cmp-a{background:color-mix(in srgb, #64748b 12%, var(--surface))}
.cmp-row:hover .cmp-b{background:color-mix(in srgb, var(--brand) 17%, var(--surface))}
.cmp-l svg{background:color-mix(in srgb, var(--brand-2) 16%, var(--surface))}
.cmp .x{background:color-mix(in srgb, #64748b 18%, var(--surface));color:#64748b}
.cmp-b span:last-child{color:var(--ink);font-weight:600}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .cmp-b{background:color-mix(in srgb, var(--brand-2) 22%, var(--surface))}:root:not([data-theme="light"]) .cmp .x{color:#cbd5e1}}
:root[data-theme="dark"] .cmp-b{background:color-mix(in srgb, var(--brand-2) 22%, var(--surface))}:root[data-theme="dark"] .cmp .x{color:#cbd5e1}
@media (max-width:760px){.cmp-row>div+div{border-left:0}.cmp-l{background:color-mix(in srgb, var(--brand-2) 12%, var(--surface))!important}}
.cmp-head>div{justify-content:center;text-align:center}
/* brighter middle column */
.cmp-head .them{background:#5b82ad}
.cmp-a{background:color-mix(in srgb, #5b82ad 5%, var(--surface))}
.cmp-row:hover .cmp-a{background:color-mix(in srgb, #5b82ad 10%, var(--surface))}
.cmp-a span:last-child{color:color-mix(in srgb, var(--ink) 78%, var(--surface))}
.cmp .x{background:color-mix(in srgb, #5b82ad 16%, var(--surface));color:#4a6f99}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .cmp .x{color:#bcd0e6}:root:not([data-theme="light"]) .cmp-a{background:color-mix(in srgb, #5b82ad 12%, var(--surface))}}
:root[data-theme="dark"] .cmp .x{color:#bcd0e6}:root[data-theme="dark"] .cmp-a{background:color-mix(in srgb, #5b82ad 12%, var(--surface))}
/* middle column: light tint of the site blue instead of a separate colour */
.cmp-head .them{background:color-mix(in srgb, var(--brand-2) 20%, var(--surface));color:var(--brand-2)!important}
.cmp-head .them::before{background:var(--brand-2)}
.cmp-a{background:var(--surface)}
.cmp-row:hover .cmp-a{background:color-mix(in srgb, var(--brand-2) 5%, var(--surface))}
.cmp .x{background:color-mix(in srgb, var(--brand-2) 14%, var(--surface));color:var(--brand-2)}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .cmp-head .them{background:color-mix(in srgb, var(--brand-2) 35%, var(--surface));color:#fff!important}:root:not([data-theme="light"]) .cmp-head .them::before{background:rgba(255,255,255,.7)}:root:not([data-theme="light"]) .cmp-a{background:var(--surface)}:root:not([data-theme="light"]) .cmp .x{color:#bcd0e6}}
:root[data-theme="dark"] .cmp-head .them{background:color-mix(in srgb, var(--brand-2) 35%, var(--surface));color:#fff!important}:root[data-theme="dark"] .cmp-head .them::before{background:rgba(255,255,255,.7)}:root[data-theme="dark"] .cmp-a{background:var(--surface)}:root[data-theme="dark"] .cmp .x{color:#bcd0e6}

/* =====================================================================
   VERSION 4 THEME: dusk palette, colour bands, aurora headers,
   roof-line motif, richer cards and motion. Added 4 Nov 2026.
   ===================================================================== */
:root{
  --navy:#0f2a44; --ocean:#1e5f8e; --sky:#4aa3df; --teal:#1fa4b8;
  --gold-1:#ffd98a; --gold-2:#f2a93b; --on-gold:#13263a;
  --page-a:#d6e8fb; --page-b:#d3f0f4; --page-c:#eef5fd; --page-d:#e7f0fa;
  --band-sky:linear-gradient(180deg,#e2effc 0%,#d3e7f9 100%);
  --band-ice:linear-gradient(180deg,#e4f5f7 0%,#eaf3fc 100%);
  --band-navy:radial-gradient(45% 70% at 92% 0%,rgba(31,164,184,.5),transparent 70%),radial-gradient(45% 70% at 0% 100%,rgba(74,163,223,.38),transparent 70%),linear-gradient(160deg,#0f2a44 0%,#164a73 58%,#1b6585 100%);
  --edge:linear-gradient(135deg,rgba(74,163,223,.7),rgba(31,164,184,.45) 45%,rgba(242,169,59,.6));
  --card-glow:0 20px 44px -22px rgba(30,95,142,.55);
  --roof:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 240 34' preserveAspectRatio='none'%3E%3Cpath d='M0 34V22L30 8l30 14v-8L96 0l36 14v10l28-13 30 13v-6l25-11 25 11v18z'/%3E%3C/svg%3E");
}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){
  --page-a:#10263d; --page-b:#0d2a33; --page-c:#0a1622; --page-d:#0a1420;
  --band-sky:linear-gradient(180deg,#0f2133 0%,#10263b 100%);
  --band-ice:linear-gradient(180deg,#0d2329 0%,#0f2133 100%);
  --edge:linear-gradient(135deg,rgba(74,163,223,.55),rgba(31,164,184,.35) 45%,rgba(242,169,59,.45));
  --card-glow:0 20px 44px -22px rgba(0,0,0,.8);
}}
:root[data-theme="dark"]{
  --page-a:#10263d; --page-b:#0d2a33; --page-c:#0a1622; --page-d:#0a1420;
  --band-sky:linear-gradient(180deg,#0f2133 0%,#10263b 100%);
  --band-ice:linear-gradient(180deg,#0d2329 0%,#0f2133 100%);
  --card-glow:0 20px 44px -22px rgba(0,0,0,.8);
}

/* ---- 1. tinted page instead of plain white ---- */
body{background:radial-gradient(1100px 680px at -8% -6%,var(--page-a) 0,transparent 62%),radial-gradient(900px 620px at 108% 18%,var(--page-b) 0,transparent 60%),linear-gradient(180deg,var(--page-c) 0,var(--page-d) 100%);background-repeat:no-repeat;background-color:var(--page-d)}

/* ---- warm gold for the main "book" buttons ---- */
.btn-gold,
.hero-copy .ctas .btn-light,.f-brand .btn-light,.cta-band .btn,.nav-cta,.cmp-cta .btn,.mbar .btn-dark,.profile .btn-light,.mini-cta .btn,.snap-cta .btn{
  background:linear-gradient(135deg,var(--gold-1),var(--gold-2))!important;color:var(--on-gold)!important;border:0!important;
  box-shadow:0 10px 26px -12px rgba(242,169,59,.85);position:relative;overflow:hidden}
.btn-gold::after,.hero-copy .ctas .btn-light::after,.cta-band .btn::after,.nav-cta::after,.cmp-cta .btn::after,.f-brand .btn-light::after{
  content:"";position:absolute;inset:0;background:linear-gradient(110deg,transparent 30%,rgba(255,255,255,.55) 50%,transparent 70%);transform:translateX(-120%);transition:transform .7s ease;pointer-events:none}
.btn-gold:hover::after,.hero-copy .ctas .btn-light:hover::after,.cta-band .btn:hover::after,.nav-cta:hover::after,.cmp-cta .btn:hover::after,.f-brand .btn-light:hover::after{transform:translateX(120%)}
.nav-cta .ph{stroke:var(--on-gold)!important}
.hero-copy h1 .hl{background:linear-gradient(90deg,#9fd3ff,#7fe0ea 55%,#ffd98a);-webkit-background-clip:text;background-clip:text;color:transparent}

/* ---- 2 & 5. colour bands with the roof-line motif ---- */
.band{position:relative;padding-block:clamp(56px,7vw,92px)!important;isolation:isolate}
.band-sky{background:var(--band-sky)}
.band-ice{background:var(--band-ice)}
.band-navy{background:var(--band-navy);color:#eaf3fc}
.band-navy::before,.site-footer::before,.facts::before{
  content:"";position:absolute;left:0;right:0;top:-33px;height:34px;background:#0f2a44;
  -webkit-mask:var(--roof) repeat-x 0 0/240px 34px;mask:var(--roof) repeat-x 0 0/240px 34px;pointer-events:none}
.band-navy .head h2,.band-navy>.wrap>.head h2{color:#fff}
.band-navy .stepper{color:var(--ink)}
.band-navy .stepper h3{color:var(--ink)}
.band-navy .head p{color:rgba(234,243,252,.82)}
.band-navy::after,.facts::after,.page-head::before,.about-hero::before{
  content:"";position:absolute;inset:0;z-index:-1;pointer-events:none;
  background:radial-gradient(30% 45% at 20% 30%,rgba(127,224,234,.28),transparent 70%),radial-gradient(28% 40% at 75% 65%,rgba(159,211,255,.25),transparent 70%),radial-gradient(22% 35% at 55% 15%,rgba(255,217,138,.16),transparent 70%);
  background-size:160% 160%;background-position:0% 0%;animation:aurora 18s ease-in-out infinite alternate}
@keyframes aurora{0%{background-position:0% 0%}50%{background-position:70% 30%}100%{background-position:100% 100%}}
.band-navy,.facts{overflow:visible}
.band-navy::after,.facts::after{overflow:hidden}
.site-footer{position:relative;margin-top:96px!important;background:radial-gradient(40% 60% at 100% 0%,rgba(31,164,184,.28),transparent 70%),linear-gradient(160deg,#0f2a44 30%,#173f60)!important}
.site-footer::before{top:-33px}
/* home section spacing inside bands */
#how.band .head{margin-bottom:28px}
.band + .band-ice,.band-ice + .band-ice{margin-top:0}
#explore.band{padding-bottom:20px!important}
#know.band{padding-top:36px!important}

/* ---- facts strip ---- */
.facts{position:relative;isolation:isolate;margin-top:56px;padding-block:44px 48px;background:var(--band-navy);color:#eaf3fc}
.facts-in{display:grid;gap:20px;grid-template-columns:repeat(2,minmax(0,1fr))}
@media (min-width:860px){.facts-in{grid-template-columns:repeat(4,minmax(0,1fr))}}
.facts-in>div{padding:18px 20px;border-radius:20px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);backdrop-filter:blur(6px);-webkit-backdrop-filter:blur(6px)}
.facts-in b{display:block;font-size:clamp(2rem,4.2vw,3rem);font-weight:800;letter-spacing:-.03em;line-height:1.05;background:linear-gradient(90deg,var(--gold-1),#ffe9bf);-webkit-background-clip:text;background-clip:text;color:transparent;font-variant-numeric:tabular-nums}
.facts-in span{display:block;margin-top:6px;color:rgba(234,243,252,.85);font-size:.95rem}

/* ---- 3. aurora page headers ---- */
.page-head,.about-hero{isolation:isolate;border:0!important;color:#fff;
  background:radial-gradient(60% 90% at 88% 6%,rgba(31,164,184,.55),transparent 62%),radial-gradient(55% 85% at 6% 100%,rgba(74,163,223,.45),transparent 62%),linear-gradient(135deg,#0f2a44 0%,#17466f 55%,#1d6a8f 100%)!important;
  box-shadow:0 24px 50px -28px rgba(15,42,68,.7)}
.page-head h1,.about-hero h1,.page-head h2{color:#fff!important}
.page-head p,.about-hero p{color:rgba(234,243,252,.86)!important}
.page-head a:not(.btn),.about-hero a:not(.btn){color:#fff}
.page-head .crumbs,.about-hero .crumbs{color:rgba(234,243,252,.7)}
.page-head::after,.about-hero::after{
  border:0!important;border-radius:0!important;width:auto!important;height:30px!important;left:0!important;right:0!important;bottom:0!important;
  background:rgba(255,255,255,.08);-webkit-mask:var(--roof) repeat-x 0 0/240px 30px;mask:var(--roof) repeat-x 0 0/240px 30px}

/* ---- 4. richer cards ---- */
.card,.svc-card,.explore a,.about-stats>div,.expect>div,.stepper,.sch{
  border:1px solid transparent!important;
  background:linear-gradient(var(--surface),var(--surface)) padding-box,var(--edge) border-box!important}
.card:hover,.svc-card:hover,.explore a:hover,.about-stats>div:hover,.expect>div:hover{box-shadow:var(--card-glow)!important}
.svc-ico,.expect>div>.ico,.card .ico,.cmp-l svg{background:linear-gradient(135deg,var(--ocean),var(--teal))!important;border:0!important}
.svc-ico svg,.expect>div>.ico svg{stroke:#fff!important}
.cmp-l svg{stroke:#fff!important;border-radius:9px;padding:5px;box-sizing:content-box}
.card .cat,.svc-card .cat{color:var(--teal)}
.about-stats b{background:linear-gradient(90deg,var(--ocean),var(--teal));-webkit-background-clip:text;background-clip:text;color:transparent!important}
.cta-band{position:relative;isolation:isolate;overflow:hidden;
  background:radial-gradient(50% 120% at 100% 0%,rgba(31,164,184,.55),transparent 65%),linear-gradient(135deg,#0f2a44 20%,#17466f 60%,#1d6a8f)!important}
.cta-band::after{content:"";position:absolute;left:0;right:0;bottom:0;height:26px;z-index:-1;background:rgba(255,255,255,.08);-webkit-mask:var(--roof) repeat-x 0 0/200px 26px;mask:var(--roof) repeat-x 0 0/200px 26px}

/* ---- 10. tilt and glow on cards ---- */
.tilt{transform:perspective(900px) rotateX(var(--rx,0deg)) rotateY(var(--ry,0deg)) translateY(var(--ty,0px));transition:transform .25s ease,box-shadow .25s ease;will-change:transform}
.tilt.tilting{transition:transform .06s linear,box-shadow .25s ease}

/* ---- 6. hero start card with tabs + borrowing snapshot ---- */
.hero-card{display:block}
@media (max-width:1099px){
  .hero-card{margin-top:28px;max-width:560px;background:rgba(10,24,40,.55);border:1px solid rgba(255,255,255,.18);border-radius:22px;padding:20px;backdrop-filter:blur(14px) saturate(1.2);-webkit-backdrop-filter:blur(14px) saturate(1.2)}
}
.hc-tabs{display:grid;grid-template-columns:1fr 1fr;gap:4px;padding:4px;border-radius:999px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);margin-bottom:16px}
.hc-tabs button{font:inherit;font-size:.86rem;font-weight:600;color:rgba(255,255,255,.8);background:transparent;border:0;border-radius:999px;padding:9px 10px;cursor:pointer;transition:background .2s,color .2s}
.hc-tabs button[aria-selected="true"]{background:linear-gradient(135deg,var(--gold-1),var(--gold-2));color:var(--on-gold)}
.hc-tabs button:focus-visible{outline:2px solid #fff;outline-offset:2px}
.snap-seg{display:grid;grid-template-columns:1fr 1fr;gap:6px;margin-bottom:14px}
.snap-seg button{font:inherit;font-size:.86rem;color:#fff;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);border-radius:12px;padding:9px;cursor:pointer}
.snap-seg button[aria-pressed="true"]{background:rgba(127,224,234,.2);border-color:#7fe0ea}
.snap-f{display:flex;justify-content:space-between;align-items:baseline;gap:10px;font-size:.86rem;color:rgba(255,255,255,.8);margin-top:6px}
.snap-f output{font-weight:700;color:#fff;font-variant-numeric:tabular-nums}
.hero-card input[type=range]{width:100%;margin:8px 0 10px;--p:30%;accent-color:var(--gold-2)}
.snap-out{margin-top:8px;padding:14px 16px;border-radius:16px;background:linear-gradient(135deg,rgba(31,164,184,.25),rgba(74,163,223,.18));border:1px solid rgba(127,224,234,.35)}
.snap-out .k{display:block;font-size:.72rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:#bfeff4}
.snap-out b{display:block;font-size:clamp(1.35rem,2.2vw,1.7rem);font-weight:800;letter-spacing:-.02em;color:var(--gold-1);margin-top:4px;font-variant-numeric:tabular-nums}
.snap-out span:last-child{display:block;font-size:.84rem;color:rgba(255,255,255,.82);margin-top:4px}
.snap-cta{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin-top:14px}
.snap-cta .btn{padding:11px 16px;font-size:.92rem}
.snap-cta a.more{color:#bfeff4;font-size:.86rem;font-weight:600}

/* ---- 7. journey road on the How it works stepper ---- */
.st-bar{position:relative;height:18px!important;border-radius:999px!important;background:linear-gradient(180deg,#24384f,#1a2b3e)!important;margin:26px 22px 14px 4px!important;overflow:visible!important}
.st-bar::before{content:"";position:absolute;left:14px;right:14px;top:50%;height:2px;margin-top:-1px;background:repeating-linear-gradient(90deg,rgba(255,255,255,.75) 0 16px,transparent 16px 30px)}
.st-bar::after{content:"";position:absolute;right:-22px;top:50%;width:40px;height:40px;margin-top:-20px;border-radius:50%;background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231e5f8e' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Ccircle cx='8' cy='15' r='4'/%3E%3Cpath d='M10.8 12.2 20 3M17 6l3 3M14 9l2 2'/%3E%3C/svg%3E") center/22px no-repeat;box-shadow:0 0 0 3px var(--gold-2),0 8px 18px -6px rgba(0,0,0,.4)}
.st-bar i{position:relative;height:100%!important;border-radius:999px!important;background:linear-gradient(90deg,var(--teal),var(--gold-2))!important;opacity:.95;transition:width .6s cubic-bezier(.2,.8,.2,1)!important}
.st-bar i::after{content:"";position:absolute;right:-17px;top:50%;width:34px;height:34px;margin-top:-17px;border-radius:50%;background:linear-gradient(135deg,var(--gold-1),var(--gold-2)) ;box-shadow:0 6px 16px -4px rgba(0,0,0,.45);
  -webkit-mask:none;mask:none}
.st-bar i::before{content:"";position:absolute;right:-9px;top:50%;width:18px;height:18px;margin-top:-10px;z-index:1;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='%2313263a'%3E%3Cpath d='M12 3 2 11h3v9h5v-6h4v6h5v-9h3z'/%3E%3C/svg%3E") center/contain no-repeat}
.st-tabs button[aria-selected="true"]{background:linear-gradient(135deg,var(--navy),var(--ocean))!important;color:#fff!important}
.st-tabs button.done .n{background:var(--teal)!important;color:#fff!important}

/* ---- 9. comparison table comes alive ---- */
.cmp{box-shadow:0 26px 60px -30px rgba(15,42,68,.55)}
.cmp-head .us{background:linear-gradient(110deg,#0f2a44 0%,#1e5f8e 40%,#1fa4b8 50%,#1e5f8e 60%,#0f2a44 100%)!important;background-size:250% 100%!important}
.cmp.in .cmp-head .us{animation:shine 3.2s ease .6s 1 both}
@keyframes shine{from{background-position:100% 0}to{background-position:0 0}}
html.rv-on .cmp .cmp-row{opacity:0;transform:translateY(16px);transition:opacity .5s ease,transform .5s ease}
html.rv-on .cmp.in .cmp-row{opacity:1;transform:none}
html.rv-on .cmp .ok{transform:scale(0);transition:transform .45s cubic-bezier(.3,1.6,.5,1)}
html.rv-on .cmp.in .ok{transform:scale(1)}
html.rv-on .cmp .x{opacity:0;transition:opacity .4s ease}
html.rv-on .cmp.in .x{opacity:1}
.cmp-row:nth-child(2),.cmp-row:nth-child(2) .ok,.cmp-row:nth-child(2) .x{transition-delay:.05s!important}
.cmp-row:nth-child(3),.cmp-row:nth-child(3) .ok,.cmp-row:nth-child(3) .x{transition-delay:.17s!important}
.cmp-row:nth-child(4),.cmp-row:nth-child(4) .ok,.cmp-row:nth-child(4) .x{transition-delay:.29s!important}
.cmp-row:nth-child(5),.cmp-row:nth-child(5) .ok,.cmp-row:nth-child(5) .x{transition-delay:.41s!important}
.cmp-row:nth-child(6),.cmp-row:nth-child(6) .ok,.cmp-row:nth-child(6) .x{transition-delay:.53s!important}
.cmp.in .cmp-row .ok{box-shadow:0 0 0 0 rgba(31,164,184,.6);animation:okpulse 1.4s ease 1s 1}
@keyframes okpulse{0%{box-shadow:0 0 0 0 rgba(31,164,184,.55)}100%{box-shadow:0 0 0 12px rgba(31,164,184,0)}}

/* ---- scroll reveal ---- */
html.rv-on [data-rv]{opacity:0;transform:translateY(22px);transition:opacity .6s ease var(--d,0s),transform .6s cubic-bezier(.2,.8,.2,1) var(--d,0s)}
html.rv-on [data-rv].in{opacity:1;transform:none}
html.rv-on [data-rv].in.tilt{transition:transform .25s ease,box-shadow .25s ease}

/* ---- 11. sticky call / book bar on phones ---- */
@media (max-width:879px){
  .mbar{display:block!important}
  .mbar .in{background:rgba(15,42,68,.86)!important;border:1px solid rgba(255,255,255,.16)!important;box-shadow:0 14px 34px -12px rgba(0,0,0,.55)!important}
  .mbar .btn-line{background:rgba(255,255,255,.1)!important;color:#fff!important;border:1px solid rgba(255,255,255,.28)!important}
  .mbar .btn-line::before{content:"";width:16px;height:16px;margin-right:6px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23fff' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 4h4l2 5-2.5 1.5a11 11 0 0 0 5 5L15 13l5 2v4a2 2 0 0 1-2 2A16 16 0 0 1 3 6a2 2 0 0 1 2-2'/%3E%3C/svg%3E") center/contain no-repeat}
  .mbar{transform:translateY(130%);transition:transform .35s ease}
  .mbar.show{transform:none}
}

/* dark mode touches */
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .band-navy::before,:root:not([data-theme="light"]) .facts::before,:root:not([data-theme="light"]) .site-footer::before{background:#0f2a44}}

/* motion off for visitors who ask for less motion */
@media (prefers-reduced-motion: reduce){
  html.rv-on [data-rv],html.rv-on .cmp .cmp-row{opacity:1!important;transform:none!important}
  .tilt{transform:none!important}
  .band-navy::after,.facts::after,.page-head::before,.about-hero::before{animation:none!important}
}
@media (max-width:640px){.facts{padding-block:30px 34px}.facts-in{gap:12px}.facts-in>div{padding:14px 16px;border-radius:16px}.facts-in b{font-size:1.9rem}.facts-in span{font-size:.86rem}}

/* ---- brand prominence (v4) ---- */
.nav .brandlogo{height:46px!important}
@media (min-width:860px) and (max-width:1099px){.nav .brandlogo{height:40px!important}}
@media (max-width:520px){.nav .brandlogo{height:42px!important}}
.nav .logo{filter:drop-shadow(0 4px 10px rgba(30,95,142,.18))}
.f-brand .brandlogo{height:64px!important}
.hero-brand{display:block;height:clamp(56px,6.2vw,84px);width:auto;margin-bottom:22px;filter:brightness(0) invert(1) drop-shadow(0 6px 24px rgba(127,224,234,.45))}
.brand-tile{display:flex;flex-direction:column;justify-content:center;gap:10px;background:linear-gradient(135deg,rgba(255,217,138,.16),rgba(127,224,234,.12))!important;border-color:rgba(255,217,138,.45)!important}
.brand-tile img{height:clamp(42px,4.4vw,58px);width:auto;max-width:100%;filter:brightness(0) invert(1)}
.brand-tile span{margin-top:0!important}
@media (max-width:640px){.brand-tile,.facts-in>div:last-child{grid-column:span 2}}
.ph-mark{position:absolute;right:clamp(16px,5vw,72px);top:50%;transform:translateY(-50%) rotate(-6deg);width:clamp(140px,18vw,240px);height:auto;opacity:.11;pointer-events:none;z-index:-1}
@media (max-width:640px){.ph-mark{opacity:.08;right:-20px}}
.hc-tabs button{white-space:nowrap}@media (min-width:1100px) and (max-width:1399px){.hc-tabs button{font-size:.8rem;padding:9px 6px}}

/* ---- quick question bubble ---- */
.qb{position:fixed;right:max(18px,env(safe-area-inset-right,0px));bottom:calc(18px + env(safe-area-inset-bottom,0px));z-index:60;display:flex;flex-direction:column;align-items:flex-end;gap:12px;font-size:.95rem}
@media (max-width:879px){.qb{bottom:calc(92px + env(safe-area-inset-bottom,0px));right:14px}}
.qb-btn{width:60px;height:60px;border-radius:50%;border:0;cursor:pointer;display:grid;place-items:center;background:linear-gradient(135deg,var(--ocean),var(--teal));box-shadow:0 0 0 3px var(--gold-2),0 14px 30px -10px rgba(15,42,68,.7);transition:transform .2s;position:relative}
.qb-btn:hover{transform:scale(1.06)}
.qb-btn svg{width:26px;height:26px;fill:none;stroke:#fff;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;grid-area:1/1}
.qb-btn .i-x{opacity:0;transform:rotate(-90deg);transition:.25s}.qb-btn .i-chat{transition:.25s}
.qb.open .qb-btn .i-x{opacity:1;transform:none}.qb.open .qb-btn .i-chat{opacity:0;transform:rotate(90deg)}
.qb-btn::after{content:"";position:absolute;inset:-3px;border-radius:50%;border:2px solid var(--gold-2);animation:qbping 2.6s ease-out 3}
@keyframes qbping{from{transform:scale(1);opacity:.8}to{transform:scale(1.5);opacity:0}}
.qb-teaser{order:0;display:flex;align-items:center;gap:8px;background:var(--surface);color:var(--ink);border-radius:999px;padding:9px 16px 9px 10px;box-shadow:0 12px 30px -12px rgba(15,42,68,.5);border:1px solid var(--line);font-weight:600;animation:qbin .35s ease}
.qb-teaser span{cursor:pointer}
.qb-tx{border:0;background:var(--surface-2);color:var(--muted);width:22px;height:22px;border-radius:50%;cursor:pointer;line-height:1;font-size:15px}
@keyframes qbin{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.qb-panel{order:-1;padding:0!important;width:min(370px,calc(100vw - 28px));max-height:min(600px,calc(100dvh - 190px));display:flex;flex-direction:column;background:var(--surface);color:var(--ink);border-radius:22px;overflow:hidden;box-shadow:0 28px 60px -20px rgba(15,42,68,.6);border:1px solid var(--line);animation:qbin .3s ease}
.qb-panel[hidden]{display:none}
.qb-head{display:flex;align-items:center;gap:12px;padding:14px 16px;color:#fff;background:radial-gradient(60% 120% at 100% 0%,rgba(31,164,184,.6),transparent 65%),linear-gradient(135deg,#0f2a44,#1e5f8e)}
.qb-head img{width:34px;height:34px}
.qb-head b{display:block;font-size:.98rem}.qb-head span{display:block;font-size:.76rem;opacity:.8}
.qb-close{margin-left:auto;border:0;background:rgba(255,255,255,.14);color:#fff;width:30px;height:30px;border-radius:50%;font-size:20px;line-height:1;cursor:pointer}
.qb-log{flex:1;overflow:auto;padding:16px;display:flex;flex-direction:column;gap:8px;min-height:120px;background:linear-gradient(180deg,color-mix(in srgb,var(--surface-2) 55%,var(--surface)),var(--surface))}
.qb-m{max-width:85%;padding:10px 14px;border-radius:16px;line-height:1.45;animation:qbin .25s ease}
.qb-m.bot{align-self:flex-start;background:var(--surface);border:1px solid var(--line);border-bottom-left-radius:4px}
.qb-m.me{align-self:flex-end;background:linear-gradient(135deg,var(--ocean),var(--teal));color:#fff;border-bottom-right-radius:4px}
.qb-m.typing{display:flex;gap:4px;padding:14px}
.qb-m.typing i{width:7px;height:7px;border-radius:50%;background:var(--muted);animation:qbdot 1s infinite}
.qb-m.typing i:nth-child(2){animation-delay:.15s}.qb-m.typing i:nth-child(3){animation-delay:.3s}
@keyframes qbdot{0%,100%{opacity:.3;transform:translateY(0)}50%{opacity:1;transform:translateY(-3px)}}
.qb-foot{padding:0 16px 16px;overflow:auto}
.qb-foot:empty{padding:0}
.qb-opts{display:flex;flex-wrap:wrap;gap:8px;justify-content:flex-end}
.qb-opts button{font:inherit;font-size:.88rem;border:1px solid var(--ocean);color:var(--ocean);background:var(--surface);border-radius:999px;padding:8px 14px;cursor:pointer;transition:background .15s,color .15s}
.qb-opts button:hover,.qb-opts button:focus-visible{background:var(--ocean);color:#fff}
.qb-form{display:grid;gap:10px}
.qb-form label{display:grid;gap:4px;font-size:.84rem;font-weight:600;color:var(--muted)}
.qb-form input{font:inherit;padding:10px 12px;border-radius:12px;border:1px solid var(--line);background:var(--surface-2);color:var(--ink)}
.qb-form .btn{width:100%;justify-content:center}
.qb-note,.qb-fine{font-size:.78rem;color:var(--muted)}
.qb-err{font-size:.85rem;color:var(--danger)}
.qb-hc{min-height:40px}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .qb-opts button{border-color:var(--mint);color:var(--mint)}}
@media (prefers-reduced-motion: reduce){.qb-btn::after{display:none}}
.qb-foot{max-height:58%}

/* ---- contact page: enquiry / pick a time ---- */
.ct-switch{display:inline-grid;grid-template-columns:1fr 1fr;gap:4px;padding:5px;margin:28px 0 18px;border-radius:999px;background:var(--surface);border:1px solid var(--line);box-shadow:var(--shadow)}
.ct-switch button{font:inherit;font-weight:600;font-size:.95rem;border:0;border-radius:999px;padding:11px 22px;background:transparent;color:var(--muted);cursor:pointer;display:flex;align-items:center;gap:8px;justify-content:center;white-space:nowrap}
.ct-switch button svg{width:18px;height:18px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.ct-switch button[aria-selected="true"]{background:linear-gradient(135deg,var(--navy),var(--ocean));color:#fff}
.book-card{border-radius:var(--r-lg);padding:clamp(18px,3vw,32px);border:1px solid transparent;background:linear-gradient(var(--surface),var(--surface)) padding-box,var(--edge) border-box;box-shadow:var(--shadow)}
.book-top{display:flex;flex-wrap:wrap;gap:12px 24px;align-items:center;justify-content:space-between;margin-bottom:16px}
.book-top h2{font-size:clamp(1.3rem,2.4vw,1.7rem)}
.book-top p{color:var(--muted);margin-top:4px}
.book-frame{width:100%;height:min(760px,80vh);border:0;border-radius:16px;background:#fff}
.qb-book{display:block;text-align:center;font-weight:600;font-size:.9rem;color:var(--ocean);padding:4px}
@media (max-width:520px){.ct-switch{display:grid;width:100%}.ct-switch button{padding:11px 10px;font-size:.88rem}}

/* ---- social links ---- */
.f-social{display:flex;gap:8px;flex-wrap:wrap;margin:2px 0}
.f-social a{display:inline-flex;align-items:center;gap:7px;padding:7px 13px 7px 9px;border-radius:999px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);color:#fff!important;text-decoration:none;font-weight:600;font-size:.88rem;transition:background .2s,transform .2s}
.f-social a:hover{background:linear-gradient(135deg,var(--ocean),var(--teal));transform:translateY(-2px)}
.f-social svg{width:18px;height:18px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.book-stage{position:relative;border-radius:16px;overflow:hidden;background:var(--surface-2)}
.book-ph{position:absolute;inset:0;display:grid;place-content:center;justify-items:center;gap:8px;text-align:center;color:var(--muted);padding:24px}
.book-ph b{color:var(--ink);font-size:1.05rem}
.book-spin{width:34px;height:34px;border-radius:50%;border:3px solid var(--line);border-top-color:var(--teal);animation:bkspin 1s linear infinite}
@keyframes bkspin{to{transform:rotate(360deg)}}
.book-frame{position:relative;z-index:1;background:transparent!important;display:block}

/* ---- booking fixes (4.0.1): hide spinner once loaded; phone-friendly booking ---- */
.book-stage.loaded .book-ph{display:none}
.book-stage.loaded .book-frame{background:#fff!important}
.book-mobile{display:none}
@media (max-width:700px){
  .book-stage,#bookOpen{display:none!important}
  .book-top{margin-bottom:8px}
  .book-mobile{display:grid;gap:14px;justify-items:center;text-align:center;padding:22px 8px 6px}
  .book-mobile p{color:var(--muted);max-width:30ch}
  .book-mobile .btn{width:100%;justify-content:center;padding:16px 20px;font-size:1.05rem}
  .bm-ico{width:64px;height:64px;border-radius:18px;display:grid;place-items:center;background:linear-gradient(135deg,var(--ocean),var(--teal))}
  .bm-ico svg{width:32px;height:32px;fill:none;stroke:#fff;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
}
#book{scroll-margin-top:110px}
@media (max-width:700px){.book-top p{display:none}.book-mobile p{max-width:32ch}}