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}