/* ==========================================================================
   Keyholder Mortgages: brand system & homepage styles
   Colours are sampled from the logo: navy #192436, gold #CFAD77.
   Type: Cormorant Garamond echoes the classical wordmark;
         Jost echoes the geometric "Mortgage & Protection Advice" line.
   ========================================================================== */

/* ---------- Fonts (self-hosted variable fonts, SIL OFL: see assets/fonts) ---------- */
@font-face {
  font-family: "Cormorant Garamond"; font-style: normal; font-weight: 300 700; font-display: swap;
  src: url("/case-studies/concepts/_assets/5d618c462b7a5b74f442e154.woff2") format("woff2");
}
@font-face {
  font-family: "Cormorant Garamond"; font-style: italic; font-weight: 300 700; font-display: swap;
  src: url("/case-studies/concepts/_assets/e6d6d1d73858aa9b66f3a353.woff2") format("woff2");
}
@font-face {
  font-family: "Jost"; font-style: normal; font-weight: 100 900; font-display: swap;
  src: url("/case-studies/concepts/_assets/235d8f8964bfdf105fc0c3e4.woff2") format("woff2");
}

:root {
  --navy: #192436;
  --navy-900: #111a29;
  --navy-800: #1f2c42;
  --navy-700: #2b3a55;
  --gold: #cfad77;
  --gold-300: #e4cda4;
  --gold-600: #b08c55;
  --gold-ink: #7a5c28;          /* gold for small text on light backgrounds (5.8:1) */
  --paper: #fbf8f2;
  --ivory: #f3ede1;
  --linen: #e9dfcc;
  --white: #ffffff;
  --ink: #192436;
  --ink-soft: #4a5468;
  --line: rgba(25, 36, 54, 0.12);
  --line-strong: rgba(25, 36, 54, 0.2);
  --on-navy: #f3eee4;
  --on-navy-soft: #b9c0cf;
  --gold-line: rgba(207, 173, 119, 0.22);

  --font-display: "Cormorant Garamond", "Cormorant", Georgia, "Times New Roman", serif;
  --font-body: "Jost", "Avenir Next", "Century Gothic", system-ui, -apple-system, "Segoe UI", sans-serif;

  --radius-sm: 12px;
  --radius: 20px;
  --radius-lg: 28px;
  --shadow-sm: 0 1px 2px rgba(17, 26, 41, 0.05), 0 4px 14px rgba(17, 26, 41, 0.05);
  --shadow: 0 18px 40px -18px rgba(17, 26, 41, 0.28), 0 2px 6px rgba(17, 26, 41, 0.05);
  --shadow-lg: 0 40px 80px -28px rgba(8, 13, 22, 0.55);
  --ease: cubic-bezier(0.2, 0.7, 0.2, 1);

  --container: 1200px;
  --gutter: clamp(16px, 4vw, 40px);
  --header-h: 112px;
  --section-pad: clamp(76px, 10vw, 132px);
}

/* ---------- Reset & base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-padding-top: 88px; interpolate-size: allow-keywords; }
@media (prefers-reduced-motion: no-preference) { html { scroll-behavior: smooth; } }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; }
button { font: inherit; color: inherit; }
h1, h2, h3, h4 { margin: 0; font-weight: 600; }
p { margin: 0 0 1em; }
ul, ol { margin: 0; padding: 0; }
[hidden] { display: none !important; }
::selection { background: var(--gold); color: var(--navy); }
:focus-visible { outline: 2.5px solid var(--focus, var(--gold)); outline-offset: 3px; border-radius: 6px; }
/* Navy focus rings on light surfaces, gold on navy (both 3:1+) */
.section-paper, .section-ivory, .start-card, .callback-dialog, .booking-card { --focus: var(--navy); }

.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;
}
.skip-link {
  position: absolute; left: 16px; top: -60px; z-index: 100;
  background: var(--gold); color: var(--navy); padding: 12px 18px; border-radius: 999px;
  font-weight: 600; text-decoration: none; transition: top .2s;
}
.skip-link:focus { top: 12px; }
.sprite { position: absolute; width: 0; height: 0; overflow: hidden; }

.icon { width: 1.15em; height: 1.15em; flex: none; display: inline-block; vertical-align: middle; }
.icon-lg { width: 28px; height: 28px; flex: none; }
.icon-xl { width: 40px; height: 40px; flex: none; }

.container { width: 100%; max-width: calc(var(--container) + var(--gutter) * 2); margin-inline: auto; padding-inline: var(--gutter); }

/* ---------- Type ---------- */
h2 {
  font-family: var(--font-display);
  font-size: clamp(2.3rem, 4.4vw, 3.65rem);
  line-height: 1.04;
  letter-spacing: -0.012em;
  text-wrap: balance;
}
h3 { font-family: var(--font-display); font-size: 1.6rem; line-height: 1.15; letter-spacing: -0.005em; }
.section-lede { font-size: clamp(1.0625rem, 1.4vw, 1.1875rem); color: var(--ink-soft); margin-top: 1.25rem; max-width: 62ch; }
.eyebrow {
  display: inline-flex; align-items: center; gap: .75rem;
  font: 600 .78rem/1 var(--font-body); letter-spacing: .2em; text-transform: uppercase;
  color: var(--gold-ink); margin: 0 0 1.15rem;
}
.eyebrow::before { content: ""; width: 28px; height: 1.5px; background: currentColor; }
.eyebrow-light { color: var(--gold); }
.muted-light { color: var(--on-navy-soft); }

/* ---------- Buttons & links ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .6em;
  font: 500 1rem/1.1 var(--font-body); letter-spacing: .01em;
  padding: .95em 1.5em; border-radius: 999px; border: 1.5px solid transparent;
  text-decoration: none; cursor: pointer; white-space: nowrap;
  transition: transform .25s var(--ease), background-color .25s, color .25s, border-color .25s, box-shadow .25s;
}
.btn:active { transform: translateY(1px) scale(.99); }
.btn .icon { width: 1.1em; height: 1.1em; transition: transform .25s var(--ease); }
.btn:hover svg:has(use[href="#i-arrow"]) { transform: translateX(3px); }
.btn-gold { background: var(--gold); color: var(--navy); box-shadow: 0 10px 26px -12px rgba(207, 173, 119, .85); }
.btn-gold:hover { background: var(--gold-300); transform: translateY(-1px); box-shadow: 0 14px 30px -12px rgba(207, 173, 119, .9); }
.btn-navy { background: var(--navy); color: var(--on-navy); box-shadow: 0 10px 24px -14px rgba(17, 26, 41, .7); }
.btn-navy:hover { background: var(--navy-700); transform: translateY(-1px); }
.btn-ghost-light { background: transparent; color: var(--on-navy); border-color: rgba(243, 238, 228, .32); }
.btn-ghost-light:hover { border-color: var(--gold); color: var(--gold-300); }
.btn-lg { font-size: 1.0625rem; padding: 1.1em 1.65em; }
.btn-sm { font-size: .9375rem; padding: .78em 1.2em; }
.btn-block { width: 100%; }

.link-btn { background: none; border: 0; padding: 0; cursor: pointer; text-decoration: underline; text-underline-offset: 4px; text-decoration-thickness: 1px; }
.text-link { display: inline-flex; align-items: center; gap: .45em; text-decoration: none; color: var(--ink-soft); font-size: .95rem; }
.text-link:hover { color: var(--ink); text-decoration: underline; text-underline-offset: 3px; }
.text-link .icon { color: var(--gold-600); }

.stars { color: var(--gold); letter-spacing: .12em; font-size: .95em; }

/* ---------- Header ---------- */
.site-header {
  position: fixed; inset: 0 0 auto 0; z-index: 60;
  height: var(--header-h);
  color: var(--on-navy);
  transition: background-color .35s, box-shadow .35s, height .35s var(--ease), border-color .35s;
  border-bottom: 1px solid transparent;
}
.site-header.is-scrolled, .site-header.menu-open {
  --header-h: 78px;
  background: rgba(25, 36, 54, .94);
  -webkit-backdrop-filter: saturate(140%) blur(14px);
  backdrop-filter: saturate(140%) blur(14px);
  border-bottom-color: var(--gold-line);
  box-shadow: 0 10px 30px -18px rgba(0, 0, 0, .6);
}
/* backdrop-filter would make the header the containing block for the fixed mobile menu, so drop it while the menu is open */
.site-header.menu-open { -webkit-backdrop-filter: none; backdrop-filter: none; background: var(--navy); }
.header-inner { height: 100%; display: flex; align-items: center; gap: 28px; }
.brand { display: block; flex: none; }
.brand img { height: calc(var(--header-h) - 20px); width: auto; transition: height .35s var(--ease); }
.primary-nav { margin-left: auto; }
.primary-nav ul { list-style: none; display: flex; gap: clamp(16px, 2vw, 30px); }
.primary-nav a {
  text-decoration: none; font-weight: 500; font-size: .95rem; color: var(--on-navy-soft);
  position: relative; padding: 6px 0; transition: color .2s;
}
.primary-nav a::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 1.5px; background: var(--gold);
  transform: scaleX(0); transform-origin: left; transition: transform .3s var(--ease);
}
.primary-nav a:hover, .primary-nav a.is-active { color: var(--on-navy); }
.primary-nav a:hover::after, .primary-nav a.is-active::after { transform: scaleX(1); }
.header-actions { display: flex; align-items: center; gap: 18px; }
.header-phone { display: inline-flex; align-items: center; gap: 8px; text-decoration: none; font-weight: 500; color: var(--on-navy); white-space: nowrap; }
.header-phone .icon { color: var(--gold); }
.header-phone:hover { color: var(--gold-300); }

.menu-toggle {
  display: none; width: 46px; height: 46px; border-radius: 50%;
  border: 1.5px solid rgba(243, 238, 228, .28); background: transparent; cursor: pointer;
  align-items: center; justify-content: center;
}
.menu-bars { position: relative; width: 18px; height: 10px; display: block; }
.menu-bars span { position: absolute; left: 0; right: 0; height: 1.6px; background: var(--on-navy); border-radius: 2px; transition: transform .3s var(--ease), top .3s var(--ease); }
.menu-bars span:first-child { top: 0; }
.menu-bars span:last-child { top: 8.4px; }
.menu-toggle[aria-expanded="true"] .menu-bars span:first-child { top: 4.2px; transform: rotate(45deg); }
.menu-toggle[aria-expanded="true"] .menu-bars span:last-child { top: 4.2px; transform: rotate(-45deg); }

.mobile-menu {
  position: fixed; inset: var(--header-h) 0 0 0; background: var(--navy);
  padding: 28px var(--gutter) calc(32px + env(safe-area-inset-bottom));
  overflow-y: auto; display: flex; flex-direction: column; gap: 28px;
  border-top: 1px solid var(--gold-line);
}
.mobile-menu ul { list-style: none; }
.mobile-menu nav a {
  display: block; font-family: var(--font-display); font-size: 2.1rem; font-weight: 600; line-height: 1.2;
  padding: 10px 0; text-decoration: none; border-bottom: 1px solid rgba(207, 173, 119, .12);
}
.mobile-menu nav a:hover { color: var(--gold-300); }
.mobile-menu-cta { display: grid; gap: 12px; }
.mobile-menu-social { display: flex; gap: 12px; }
.mobile-menu-social a, .social a {
  width: 44px; height: 44px; border-radius: 50%; display: inline-flex; align-items: center; justify-content: center;
  border: 1px solid rgba(207, 173, 119, .35); color: var(--gold); transition: background-color .2s, color .2s;
}
.mobile-menu-social a:hover, .social a:hover { background: var(--gold); color: var(--navy); }

/* ---------- Hero ---------- */
.hero {
  position: relative; isolation: isolate; overflow: hidden;
  color: var(--on-navy);
  background:
    radial-gradient(1100px 620px at 88% 8%, rgba(207, 173, 119, .13), transparent 62%),
    radial-gradient(800px 520px at -5% 105%, rgba(207, 173, 119, .08), transparent 60%),
    linear-gradient(180deg, var(--navy) 0%, #172235 100%);
  padding: calc(var(--header-h) + clamp(36px, 6vw, 72px)) 0 clamp(72px, 8vw, 112px);
}
.hero-mark {
  position: absolute; z-index: -1; pointer-events: none;
  width: min(1600px, 150vw); max-width: none; left: 50%; bottom: -4px; transform: translateX(-46%);
  opacity: .085;
}
.js .hero-mark { clip-path: inset(0 100% 0 0); animation: draw-line 2.8s .3s var(--ease) forwards; }
@keyframes draw-line { to { clip-path: inset(0 0 0 0); } }

.hero-grid { display: grid; grid-template-columns: minmax(0, 1.12fr) minmax(0, .88fr); gap: clamp(32px, 5vw, 72px); align-items: center; }

.rating-pill {
  display: inline-flex; align-items: center; gap: 10px; flex-wrap: wrap;
  padding: 8px 16px 8px 10px; border-radius: 999px; text-decoration: none;
  background: rgba(255, 255, 255, .06); border: 1px solid rgba(207, 173, 119, .28);
  font-size: .9rem; color: var(--on-navy-soft); transition: border-color .2s, background-color .2s;
}
.rating-pill:hover { border-color: var(--gold); background: rgba(255, 255, 255, .09); }
.rating-pill strong { color: var(--on-navy); font-weight: 600; }
.g-logo { width: 22px; height: 22px; background: #fff; border-radius: 50%; padding: 3px; }
.g-logo-lg { width: 44px; height: 44px; }

.hero-title {
  font-family: var(--font-display); font-weight: 600;
  font-size: clamp(3.1rem, 7.4vw, 6.1rem); line-height: .98; letter-spacing: -0.018em;
  margin: 26px 0 26px;
}
.hero-title em { font-style: italic; font-weight: 500; color: var(--gold); }
.hero-lede { font-size: clamp(1.0625rem, 1.5vw, 1.25rem); color: var(--on-navy-soft); max-width: 36em; line-height: 1.6; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 34px; }
.hero-assurances { list-style: none; display: flex; flex-wrap: wrap; gap: 10px 22px; margin-top: 26px; font-size: .95rem; color: var(--on-navy-soft); }
.hero-assurances li { display: inline-flex; align-items: center; gap: 8px; }
.hero-assurances .icon { color: var(--gold); width: 1.05em; height: 1.05em; }
.hero-risk { margin: 22px 0 0; padding-top: 16px; border-top: 1px solid var(--gold-line); max-width: 36em; font-size: .9rem; font-weight: 500; color: var(--on-navy); }

/* Start-here card */
.start-card {
  position: relative; color: var(--ink); background: var(--paper);
  border-radius: var(--radius-lg); padding: clamp(24px, 3vw, 34px);
  box-shadow: var(--shadow-lg); border: 1px solid rgba(207, 173, 119, .35);
  min-height: 470px;
}
.start-card::before {
  content: ""; position: absolute; inset: 10px; border-radius: 20px; pointer-events: none;
  border: 1px solid rgba(207, 173, 119, .28);
}
.start-step { position: relative; }
.start-step.is-entering { animation: step-in .45s var(--ease); }
@keyframes step-in { from { opacity: 0; transform: translateX(14px); } }
.start-kicker { font: 600 .74rem/1 var(--font-body); letter-spacing: .2em; text-transform: uppercase; color: var(--gold-ink); margin-bottom: 10px; }
.start-title { font-family: var(--font-display); font-size: clamp(1.7rem, 2.6vw, 2.15rem); line-height: 1.08; margin-bottom: 20px; text-wrap: balance; }
.start-sub { color: var(--ink-soft); margin-top: -8px; margin-bottom: 20px; font-size: .98rem; }
.intent-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.intent {
  display: flex; flex-direction: column; align-items: flex-start; gap: 12px; text-align: left;
  padding: 16px; border-radius: 16px; background: var(--white); border: 1px solid var(--line);
  cursor: pointer; font-weight: 500; font-size: .98rem; line-height: 1.25;
  transition: border-color .2s, transform .25s var(--ease), box-shadow .25s, background-color .2s;
}
.intent .icon-lg { color: var(--gold-600); width: 30px; height: 30px; }
.intent:hover { border-color: var(--gold); transform: translateY(-2px); box-shadow: var(--shadow-sm); }
.intent:active { transform: translateY(0); }
.start-other { display: block; margin-top: 18px; font-size: .92rem; color: var(--ink-soft); }
.start-other:hover { color: var(--ink); }
.start-back { background: none; border: 0; padding: 4px 0; margin-bottom: 14px; cursor: pointer; color: var(--ink-soft); font-size: .9rem; font-weight: 500; }
.start-back:hover { color: var(--ink); }
.route-list { display: grid; gap: 10px; }
.route {
  display: grid; grid-template-columns: auto 1fr auto; align-items: center; gap: 14px;
  width: 100%; text-align: left; padding: 16px 18px; border-radius: 16px; cursor: pointer;
  background: var(--white); border: 1px solid var(--line); text-decoration: none; color: var(--ink);
  transition: border-color .2s, transform .25s var(--ease), box-shadow .25s;
}
.route .icon-lg { color: var(--gold-600); }
.route strong { display: block; font-weight: 600; font-size: 1rem; }
.route small { display: block; color: var(--ink-soft); font-size: .88rem; margin-top: 2px; }
.route-arrow { color: var(--navy); opacity: .5; transition: transform .25s var(--ease), opacity .2s; }
.route:hover { border-color: var(--gold); transform: translateY(-1px); box-shadow: var(--shadow-sm); }
.route:hover .route-arrow { transform: translateX(3px); opacity: 1; }
.route:first-child { background: var(--navy); color: var(--on-navy); border-color: var(--navy); }
.route:first-child small { color: var(--on-navy-soft); }
.route:first-child .icon-lg, .route:first-child .route-arrow { color: var(--gold); opacity: 1; }

/* ---------- Forms ---------- */
.lead-form { display: grid; gap: 14px; }
.field { display: grid; gap: 6px; margin: 0; padding: 0; border: 0; min-width: 0; }
.field label, .field legend { font-size: .875rem; font-weight: 500; color: var(--ink); padding: 0; }
.field small { color: var(--ink-soft); font-weight: 400; }
.field input[type="text"], .field input[type="tel"], .field input[type="email"] {
  width: 100%; font: 400 1rem/1.3 var(--font-body); color: var(--ink);
  padding: 13px 14px; border-radius: 12px; border: 1px solid var(--line-strong); background: var(--white);
  transition: border-color .2s, box-shadow .2s;
}
.field input:focus { outline: none; border-color: var(--gold-600); box-shadow: 0 0 0 3px rgba(207, 173, 119, .35); }
.segmented { display: flex; flex-wrap: wrap; gap: 8px; }
.segmented legend { width: 100%; margin-bottom: 6px; }
.segmented label { position: relative; cursor: pointer; }
.segmented input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.segmented span {
  display: inline-block; padding: 9px 14px; border-radius: 999px; border: 1px solid var(--line-strong);
  font-size: .9rem; background: var(--white); transition: background-color .2s, color .2s, border-color .2s;
}
.segmented input:checked + span { background: var(--navy); color: var(--on-navy); border-color: var(--navy); }
.segmented input:focus-visible + span { outline: 2.5px solid var(--gold); outline-offset: 2px; }
.consent { display: grid; grid-template-columns: auto 1fr; gap: 10px; align-items: start; font-size: .82rem; color: var(--ink-soft); line-height: 1.5; cursor: pointer; }
.consent input { width: 18px; height: 18px; margin: 1px 0 0; accent-color: var(--navy); }
.consent a { color: var(--ink); }
.hp { position: absolute !important; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.form-error { color: #9b2c2c; font-size: .9rem; margin: 0; }
.form-success { text-align: center; padding: 24px 6px 8px; }
.form-success .icon-xl { color: var(--gold-600); margin: 0 auto 14px; width: 54px; height: 54px; }
.form-success h3 { font-size: 2rem; margin-bottom: 10px; }
.form-success p { color: var(--ink-soft); margin: 0; }
.lead-form.is-sending button[type="submit"] { opacity: .7; pointer-events: none; }

/* ---------- Proof strip ---------- */
.proof { position: relative; background: var(--navy-900); color: var(--on-navy); border-top: 1px solid var(--gold-line); border-bottom: 1px solid var(--gold-line); }
.marquee-toggle {
  position: absolute; right: 12px; top: 50%; transform: translateY(-50%); z-index: 2;
  width: 34px; height: 34px; border-radius: 50%; display: grid; place-items: center; cursor: pointer;
  background: var(--navy-900); color: var(--gold); border: 1px solid rgba(207, 173, 119, .4);
}
.marquee-toggle:hover { background: var(--navy-800); }
.marquee-toggle .icon-play, .marquee-toggle[aria-pressed="true"] .icon-pause { display: none; }
.marquee-toggle[aria-pressed="true"] .icon-play { display: block; }
.marquee.is-paused .marquee-inner { animation-play-state: paused; }
.marquee { overflow: hidden; padding: 20px 0; -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); }
.marquee-inner { display: flex; width: max-content; }
.marquee-track { list-style: none; display: flex; align-items: center; flex: none; }
.marquee-track li {
  display: inline-flex; align-items: baseline; gap: 12px; white-space: nowrap; padding-right: 56px;
  font-family: var(--font-display); font-style: italic; font-size: 1.32rem; position: relative;
}
.marquee-track li::after { content: ""; position: absolute; right: 24px; top: 50%; width: 7px; height: 7px; border: 1px solid var(--gold); transform: translateY(-30%) rotate(45deg); }
.marquee-track span { font: 600 .72rem/1 var(--font-body); font-style: normal; letter-spacing: .18em; text-transform: uppercase; color: var(--gold); }
.js .marquee-inner { animation: marquee 70s linear infinite; }
.marquee:hover .marquee-inner, .marquee:focus-within .marquee-inner { animation-play-state: paused; }
@keyframes marquee { to { transform: translateX(-50%); } }

/* ---------- Sections ---------- */
.section { padding-block: var(--section-pad); position: relative; }
.section-paper { background: var(--paper); }
.section-ivory { background: var(--ivory); }
.section-navy { background: var(--navy); color: var(--on-navy); }
.section-head { max-width: 780px; margin-bottom: clamp(40px, 5vw, 64px); }
.section-head.center { margin-inline: auto; text-align: center; }
.section-head.center .section-lede { margin-inline: auto; }
.center-cta { text-align: center; margin-top: clamp(40px, 5vw, 60px); }

/* ---------- Services ---------- */
.service-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; }
.service-card {
  position: relative; display: flex; flex-direction: column; align-items: flex-start;
  background: var(--white); border: 1px solid var(--line); border-radius: 24px;
  padding: clamp(26px, 2.6vw, 34px);
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s;
}
.service-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: rgba(207, 173, 119, .55); }
.service-card h3 { margin: 10px 0 12px; }
.service-card p:not([class]) { color: var(--ink-soft); font-size: 1rem; }
.service-icon {
  width: 56px; height: 56px; border-radius: 50%; display: grid; place-items: center;
  background: var(--ivory); color: var(--gold-ink); margin-bottom: 22px;
  box-shadow: inset 0 0 0 1px rgba(207, 173, 119, .4);
}
.service-tag { font: 600 .74rem/1 var(--font-body); letter-spacing: .18em; text-transform: uppercase; color: var(--gold-ink); margin: 0; }
.card-link {
  margin-top: auto; padding: 10px 0 0; background: none; border: 0; cursor: pointer;
  display: inline-flex; align-items: center; gap: 8px; font-weight: 500; font-size: .98rem; color: var(--navy);
  text-decoration: underline; text-decoration-color: rgba(207, 173, 119, .8); text-underline-offset: 6px; text-decoration-thickness: 1.5px;
}
.card-link .icon { color: var(--gold-600); transition: transform .25s var(--ease); }
.card-link:hover .icon { transform: translateX(4px); }
.service-feature {
  grid-row: span 2; background: var(--navy); color: var(--on-navy); border-color: var(--navy);
  background-image: radial-gradient(520px 380px at 100% 0%, rgba(207, 173, 119, .16), transparent 60%);
  overflow: hidden;
}
.service-feature::after {
  content: ""; position: absolute; inset: auto -40% -6px -10%; height: 120px; pointer-events: none;
  background: url("/case-studies/concepts/_assets/f980482e0f3607521f4b110c.webp") left bottom / auto 100% no-repeat; opacity: .13;
}
.service-feature h3 { font-size: clamp(2rem, 3vw, 2.5rem); }
.service-feature p:not([class]) { color: var(--on-navy-soft); font-size: 1.05rem; }
.service-feature .service-icon { background: rgba(207, 173, 119, .12); color: var(--gold); }
.service-feature .service-tag { color: var(--gold); }
.service-feature .card-link { color: var(--on-navy); margin-bottom: 72px; }
.service-feature .card-link .icon { color: var(--gold); }
.tick-list { list-style: none; display: grid; gap: 10px; margin: 6px 0 28px; }
.tick-list li { position: relative; padding-left: 30px; color: var(--on-navy); }
.tick-list li::before {
  content: ""; position: absolute; left: 0; top: .32em; width: 18px; height: 18px; border-radius: 50%;
  background: rgba(207, 173, 119, .18) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6 12.5l4 4L18 8' fill='none' stroke='%23cfad77' stroke-width='2.6' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center / 12px no-repeat;
}
.service-grid > .service-card:nth-child(6) { grid-column: span 2; }
.risk-note {
  display: flex; align-items: flex-start; gap: 14px; margin: 28px 0 0; padding: 18px 22px;
  border-radius: 16px; background: var(--white); border: 1.5px solid var(--navy); color: var(--ink-soft); font-size: .98rem;
}
.risk-note .icon { color: var(--navy); width: 22px; height: 22px; margin-top: 2px; }
.risk-note strong { color: var(--ink); font-weight: 600; }

/* ---------- Why ---------- */
.why-grid { display: grid; grid-template-columns: minmax(0, .95fr) minmax(0, 1.05fr); gap: clamp(40px, 6vw, 88px); align-items: center; }
.why-media { position: relative; margin: 0; }
.why-media img { border-radius: var(--radius-lg); box-shadow: var(--shadow); aspect-ratio: 1.1 / 1; object-fit: cover; object-position: 50% 50%; width: 100%; }
.why-badge {
  position: absolute; left: -18px; bottom: 34px; display: flex; align-items: center; gap: 14px;
  background: var(--navy); color: var(--on-navy-soft); padding: 16px 22px; border-radius: 18px;
  box-shadow: var(--shadow-lg); font-size: .85rem; line-height: 1.35; border: 1px solid var(--gold-line);
}
.why-badge-num { font-family: var(--font-display); font-size: 2.6rem; font-weight: 600; color: var(--gold); line-height: 1; }
.pillars { list-style: none; display: grid; grid-template-columns: 1fr 1fr; gap: 30px 34px; margin-top: 44px; }
.pillars li { display: grid; gap: 14px; align-content: start; }
.pillars .icon-lg { color: var(--gold-600); width: 32px; height: 32px; }
.pillars h3 { font-size: 1.4rem; margin-bottom: 6px; }
.pillars p { color: var(--ink-soft); font-size: .98rem; margin: 0; }

/* ---------- Process ---------- */
.steps { list-style: none; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 28px; position: relative; counter-reset: step; }
.steps::before, .steps::after {
  content: ""; position: absolute; top: 31px; left: calc(12.5% - 0px); right: calc(12.5% - 0px); height: 1.5px;
}
.steps::before { background: var(--line-strong); }
.steps::after { background: var(--gold); transform: scaleX(0); transform-origin: left; transition: transform 1.8s var(--ease) .2s; }
.steps.is-drawn::after { transform: scaleX(1); }
.step { text-align: center; position: relative; z-index: 1; padding: 0 6px; }
.step-dot {
  width: 64px; height: 64px; margin: 0 auto 26px; border-radius: 50%; display: grid; place-items: center;
  background: var(--paper); border: 1.5px solid var(--gold); color: var(--gold-ink);
  font-family: var(--font-display); font-size: 1.75rem; font-weight: 600;
  box-shadow: 0 0 0 8px var(--paper);
}
.step-dot-final { background: var(--gold); color: var(--navy); }
.step-dot-final .icon { width: 30px; height: 30px; }
.step h3 { font-size: 1.5rem; margin-bottom: 10px; }
.step p { color: var(--ink-soft); font-size: .98rem; max-width: 28ch; margin-inline: auto; }

/* ---------- Protection ---------- */
.protection { overflow: hidden; background: radial-gradient(900px 600px at 100% 0%, rgba(207, 173, 119, .12), transparent 60%), var(--navy); }
.protection-grid { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr); gap: clamp(40px, 6vw, 96px); align-items: center; }
.protection-story h2 { margin-bottom: 26px; }
.protection-story > p:not([class]) { color: var(--on-navy-soft); font-size: 1.1rem; max-width: 56ch; }
.protection-story > .muted-light { font-size: 1.05rem; max-width: 56ch; }
.pull-quote { margin: 30px 0; padding: 28px 30px; border-radius: 22px; background: rgba(255, 255, 255, .04); border: 1px solid var(--gold-line); position: relative; }
.pull-quote::before { content: "“"; position: absolute; top: -26px; left: 22px; font-family: var(--font-display); font-size: 6rem; line-height: 1; color: var(--gold); }
.pull-quote p { font-family: var(--font-display); font-style: italic; font-weight: 500; font-size: clamp(1.45rem, 2.2vw, 1.85rem); line-height: 1.3; color: var(--on-navy); margin-bottom: 20px; }
.pull-quote footer { display: flex; align-items: center; gap: 14px; font-size: .92rem; color: var(--on-navy-soft); }
.pull-quote footer img { width: 48px; height: 48px; border-radius: 50%; box-shadow: 0 0 0 2px var(--navy), 0 0 0 3.5px var(--gold); }
.pull-quote strong { display: block; color: var(--on-navy); font-weight: 600; }
.protection-story .btn { margin-top: 8px; }
.cover-list { list-style: none; display: grid; gap: 16px; }
.cover-card {
  display: grid; grid-template-columns: auto 1fr; gap: 6px 18px; align-items: start;
  padding: 26px; border-radius: 22px; background: var(--navy-800); border: 1px solid var(--gold-line);
  transition: transform .35s var(--ease), border-color .35s;
}
.cover-card:hover { transform: translateX(-4px); border-color: rgba(207, 173, 119, .5); }
.cover-card .icon-lg { color: var(--gold); grid-row: span 2; width: 34px; height: 34px; margin-top: 2px; }
.cover-card h3 { font-size: 1.45rem; color: var(--on-navy); }
.cover-card p { margin: 0; color: var(--on-navy-soft); font-size: .98rem; }
.cover-note { font-size: .85rem; color: var(--on-navy-soft); padding: 2px 6px 0; }

/* ---------- Team ---------- */
.fca-verified { display: flex; align-items: flex-start; gap: 10px; margin: 20px 0 0; color: var(--ink-soft); font-size: .98rem; max-width: 62ch; }
.fca-verified .icon { color: var(--gold-600); width: 20px; height: 20px; margin-top: 3px; }
.fca-verified a { color: var(--ink); }
.team-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.person {
  display: grid; grid-template-columns: auto 1fr; gap: 28px; align-items: start;
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: clamp(26px, 3vw, 40px);
}
.person-photo img {
  width: 148px; height: 148px; border-radius: 50%; object-fit: cover;
  box-shadow: 0 0 0 6px var(--white), 0 0 0 7.5px var(--gold), var(--shadow);
}
.person h3 { font-size: 2.1rem; }
.person-role { font: 600 .74rem/1.4 var(--font-body); letter-spacing: .16em; text-transform: uppercase; color: var(--gold-ink); margin: 6px 0 16px; }
.person-body > p:not([class]) { color: var(--ink-soft); font-size: 1rem; }
.mini-quote { margin: 18px 0 22px; padding-left: 16px; border-left: 2px solid var(--gold); font-family: var(--font-display); font-style: italic; font-size: 1.25rem; line-height: 1.35; }
.mini-quote cite { display: block; font: 500 .82rem/1.4 var(--font-body); font-style: normal; color: var(--ink-soft); margin-top: 6px; letter-spacing: .02em; }
.person-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 12px 18px; }
.person-actions .btn { margin-right: 4px; }
.community {
  margin-top: 24px; display: flex; align-items: center; gap: 18px;
  padding: 20px 26px; border-radius: 20px; background: var(--ivory); border: 1px dashed rgba(207, 173, 119, .7);
}
.community .icon-xl { color: var(--gold-600); }
.community p { margin: 0; color: var(--ink-soft); font-size: .98rem; }
.community strong { color: var(--ink); font-weight: 600; }

/* ---------- Reviews ---------- */
.reviews-head { display: flex; align-items: flex-end; justify-content: space-between; gap: 32px; margin-bottom: clamp(36px, 5vw, 56px); }
.reviews-head h2 { max-width: 19ch; }
.rating-card {
  display: grid; grid-template-columns: auto auto auto; align-items: center; gap: 14px;
  padding: 16px 22px; border-radius: 20px; background: var(--white); border: 1px solid var(--line);
  text-decoration: none; box-shadow: var(--shadow-sm); flex: none; transition: transform .25s var(--ease), box-shadow .25s;
}
.rating-card:hover { transform: translateY(-2px); box-shadow: var(--shadow); }
.rating-score { font-family: var(--font-display); font-size: 3rem; font-weight: 600; line-height: 1; }
.rating-meta { display: grid; gap: 2px; font-size: .9rem; color: var(--ink-soft); }
.rating-meta .stars { font-size: 1.05rem; }
.review-grid { columns: 3 300px; column-gap: 20px; }
.review {
  break-inside: avoid; margin: 0 0 20px; background: var(--white); border-radius: 22px; border: 1px solid var(--line);
  padding: 28px; display: flex; flex-direction: column; gap: 16px;
}
.review-tag { margin: 0; font: 600 .7rem/1 var(--font-body); letter-spacing: .18em; text-transform: uppercase; color: var(--gold-ink); }
.review blockquote { margin: 0; font-size: 1.02rem; line-height: 1.65; color: var(--ink); }
.review figcaption { display: flex; align-items: center; gap: 12px; font-weight: 600; font-size: .95rem; }
.review figcaption .stars { margin-left: auto; font-size: .85rem; }
.review-note { margin: 8px 0 0; font-size: .85rem; color: var(--ink-soft); }
.avatar {
  width: 38px; height: 38px; border-radius: 50%; display: grid; place-items: center;
  background: var(--navy); color: var(--gold); font: 600 .78rem/1 var(--font-body); letter-spacing: .06em;
}

/* ---------- Calculator ---------- */
.calc-wrap { display: grid; grid-template-columns: minmax(0, .72fr) minmax(0, 1.28fr); gap: clamp(36px, 5vw, 72px); align-items: center; }
.calc-note { font-size: .82rem; color: var(--ink-soft); margin-top: 22px; padding-top: 18px; border-top: 1px solid var(--line); max-width: 48ch; }
.calc-card {
  display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.1fr); gap: 0;
  background: var(--navy); color: var(--on-navy); border-radius: var(--radius-lg); overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.calc-inputs { padding: clamp(24px, 3vw, 36px); display: grid; gap: 18px; align-content: start; }
.calc-inputs .field label { color: var(--on-navy-soft); display: flex; justify-content: space-between; gap: 10px; }
.calc-inputs .field small { color: rgba(185, 192, 207, .7); }
.calc-inputs output { color: var(--gold-300); font-weight: 600; }
.input-prefix { position: relative; }
.input-prefix span { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--gold); font-weight: 500; }
.calc-inputs .input-prefix input {
  width: 100%; font: 500 1.0625rem/1.2 var(--font-body); color: var(--on-navy);
  padding: 14px 14px 14px 30px; border-radius: 12px; border: 1px solid rgba(207, 173, 119, .28);
  background: var(--navy-800); transition: border-color .2s, box-shadow .2s;
}
.calc-inputs .input-prefix input:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(207, 173, 119, .3); }
.calc-results {
  padding: clamp(24px, 3vw, 36px); display: flex; flex-direction: column; gap: 22px;
  background: linear-gradient(180deg, rgba(255, 255, 255, .05), rgba(255, 255, 255, .02)); border-left: 1px solid var(--gold-line);
}
.calc-result-main p { margin: 0; color: var(--on-navy-soft); font-size: .95rem; }
.calc-big { font-family: var(--font-display); font-weight: 600; font-size: clamp(2rem, 3.1vw, 2.6rem) !important; line-height: 1.05; color: var(--gold-300) !important; margin-top: 8px !important; font-variant-numeric: lining-nums; }
.calc-stats { display: grid; gap: 0; margin: 0; }
.calc-stats div { display: flex; justify-content: space-between; gap: 12px; padding: 12px 0; border-bottom: 1px solid rgba(207, 173, 119, .14); }
.calc-stats dt { color: var(--on-navy-soft); font-size: .92rem; }
.calc-stats dd { margin: 0; font-weight: 600; text-align: right; font-variant-numeric: tabular-nums; white-space: nowrap; }
.calc-results .btn { margin-top: auto; }
.calc-risk { margin: 0; font-size: .85rem; font-weight: 500; color: var(--on-navy); text-align: center; }

/* ---------- FAQs ---------- */
.faq-wrap { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); gap: clamp(36px, 6vw, 96px); align-items: start; }
.faq-wrap .section-head { position: sticky; top: 110px; margin-bottom: 0; }
.faq-wrap .section-head .btn { margin-top: 28px; }
.faq-list { border-top: 1px solid var(--line-strong); }
.faq { border-bottom: 1px solid var(--line-strong); }
.faq summary {
  list-style: none; cursor: pointer; display: flex; align-items: center; justify-content: space-between; gap: 20px;
  padding: 24px 0; font-weight: 500; font-size: 1.125rem; line-height: 1.4;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: ""; flex: none; width: 34px; height: 34px; border-radius: 50%;
  border: 1px solid rgba(207, 173, 119, .7);
  background:
    linear-gradient(var(--gold-ink), var(--gold-ink)) center / 12px 1.5px no-repeat,
    linear-gradient(var(--gold-ink), var(--gold-ink)) center / 1.5px 12px no-repeat;
  transition: transform .3s var(--ease), background-color .3s;
}
.faq[open] summary::after { transform: rotate(45deg); background-color: var(--white); }
.faq summary:hover { color: var(--gold-ink); }
.faq-body { padding: 0 52px 26px 0; color: var(--ink-soft); }
.faq-body p { margin: 0; }
.faq-body a { color: var(--ink); }
.faq::details-content { block-size: 0; overflow-y: clip; transition: block-size .35s var(--ease), content-visibility .35s allow-discrete; }
.faq[open]::details-content { block-size: auto; }

/* ---------- Book ---------- */
.book { overflow: hidden; background: radial-gradient(900px 600px at 0% 0%, rgba(207, 173, 119, .12), transparent 60%), var(--navy); }
.book-mark { position: absolute; width: min(1400px, 140vw); max-width: none; left: 50%; bottom: -4px; transform: translateX(-50%); opacity: .07; pointer-events: none; }
.book-grid { position: relative; display: grid; grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr); gap: clamp(36px, 5vw, 72px); align-items: start; }
.book-copy h2 { font-size: clamp(2.6rem, 5vw, 4.2rem); }
.book-lede { color: var(--on-navy-soft); font-size: 1.125rem; margin-top: 20px; max-width: 40ch; }
.adviser-tabs { display: grid; gap: 12px; margin: 32px 0 28px; }
.adviser-tab {
  display: flex; align-items: center; gap: 16px; text-align: left; cursor: pointer;
  padding: 14px 18px 14px 14px; border-radius: 18px; background: rgba(255, 255, 255, .03);
  border: 1.5px solid rgba(207, 173, 119, .2); color: var(--on-navy); position: relative;
  transition: border-color .25s, background-color .25s;
}
.adviser-tab img { width: 56px; height: 56px; border-radius: 50%; }
.adviser-tab strong { display: block; font-family: var(--font-display); font-size: 1.45rem; font-weight: 600; line-height: 1.1; }
.adviser-tab small { color: var(--on-navy-soft); font-size: .88rem; }
.adviser-tab::after {
  content: ""; margin-left: auto; width: 22px; height: 22px; border-radius: 50%; border: 1.5px solid rgba(207, 173, 119, .45); flex: none;
}
.adviser-tab:hover { border-color: rgba(207, 173, 119, .55); }
.adviser-tab[aria-selected="true"] { border-color: var(--gold); background: rgba(207, 173, 119, .09); }
.adviser-tab[aria-selected="true"]::after {
  border-color: var(--gold);
  background: var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6 12.5l4 4L18 8' fill='none' stroke='%23192436' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center / 13px no-repeat;
}
.book-points { list-style: none; display: grid; gap: 10px; color: var(--on-navy-soft); }
.book-points li { display: flex; align-items: center; gap: 10px; }
.book-points .icon { color: var(--gold); }
.book-alt { margin-top: 30px; padding-top: 24px; border-top: 1px solid var(--gold-line); display: flex; flex-wrap: wrap; align-items: center; gap: 10px 22px; }
.book-alt p { margin: 0; width: 100%; color: var(--on-navy-soft); font-size: .92rem; }
.book-alt-link {
  display: inline-flex; align-items: center; gap: 8px; background: none; border: 0; padding: 0; cursor: pointer;
  color: var(--on-navy); font-weight: 500; text-decoration: underline; text-decoration-color: rgba(207, 173, 119, .7); text-underline-offset: 5px;
}
.book-alt-link .icon { color: var(--gold); }
.book-alt-link:hover { color: var(--gold-300); }
.booking-card {
  position: relative; background: var(--white); border-radius: var(--radius-lg); min-height: 640px;
  box-shadow: var(--shadow-lg); overflow: hidden; color: var(--ink);
}
.booking-card iframe { display: block; width: 100%; min-height: 640px; border: 0; opacity: 0; transition: opacity .4s; }
.booking-card.is-loaded iframe { opacity: 1; }
.booking-loading { position: absolute; inset: 0; display: grid; place-content: center; justify-items: center; gap: 14px; color: var(--ink-soft); }
.booking-card.is-loaded .booking-loading { display: none; }
.spinner { width: 34px; height: 34px; border-radius: 50%; border: 2.5px solid var(--linen); border-top-color: var(--gold-600); animation: spin .9s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
.noscript { padding: 40px; text-align: center; }

.callback-dialog {
  width: min(460px, calc(100vw - 32px)); border: 0; border-radius: 26px; padding: 34px 30px 30px;
  background: var(--paper); color: var(--ink); box-shadow: var(--shadow-lg);
}
.callback-dialog::backdrop { background: rgba(17, 26, 41, .62); -webkit-backdrop-filter: blur(4px); backdrop-filter: blur(4px); }
.callback-dialog[open] { animation: dialog-in .35s var(--ease); }
@keyframes dialog-in { from { opacity: 0; transform: translateY(16px) scale(.98); } }
.dialog-close {
  position: absolute; top: 14px; right: 14px; width: 40px; height: 40px; border-radius: 50%;
  border: 1px solid var(--line-strong); background: var(--white); cursor: pointer; display: grid; place-items: center;
}
.dialog-close:hover { border-color: var(--gold); }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-900); color: var(--on-navy-soft); padding: clamp(64px, 8vw, 96px) 0 calc(36px + env(safe-area-inset-bottom)); font-size: .95rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr .8fr 1fr; gap: 40px; padding-bottom: 48px; }
.footer-brand img { width: 190px; margin-bottom: 20px; }
.footer-brand p { max-width: 34ch; }
.social { display: flex; gap: 10px; margin-top: 22px; }
.footer-title { font: 600 .76rem/1 var(--font-body); letter-spacing: .2em; text-transform: uppercase; color: var(--gold); margin: 6px 0 20px; }
.footer-links, .footer-contact { list-style: none; display: grid; gap: 12px; }
.footer-contact li { display: grid; grid-template-columns: auto 1fr; gap: 12px; align-items: start; }
.footer-contact .icon { color: var(--gold); margin-top: 4px; }
.site-footer a { text-decoration: none; color: var(--on-navy); transition: color .2s; }
.site-footer a:hover { color: var(--gold-300); }
.legal { border-top: 1px solid var(--gold-line); padding-top: 32px; font-size: .8125rem; line-height: 1.6; }
.legal p { max-width: 110ch; margin-bottom: .8em; }
.legal-warning { color: var(--on-navy); font-weight: 500; }
.copyright { margin-top: 20px; color: rgba(185, 192, 207, .75); }

/* ---------- Mobile sticky bar ---------- */
.mobile-bar {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 55; display: none;
  grid-template-columns: auto 1fr; gap: 10px; padding: 10px 14px calc(10px + env(safe-area-inset-bottom));
  background: rgba(17, 26, 41, .94); -webkit-backdrop-filter: blur(12px); backdrop-filter: blur(12px);
  border-top: 1px solid var(--gold-line); transform: translateY(110%); transition: transform .4s var(--ease);
}
.mobile-bar.is-visible { transform: none; }
.mobile-bar-call {
  display: inline-flex; align-items: center; gap: 8px; padding: 0 18px; border-radius: 999px; text-decoration: none;
  color: var(--on-navy); border: 1.5px solid rgba(207, 173, 119, .45); font-weight: 500;
}
.mobile-bar-call .icon { color: var(--gold); }
.mobile-bar .btn { padding-block: .9em; }

/* ---------- Reveal on scroll ---------- */
.js .reveal { opacity: 0; transform: translateY(22px); transition: opacity .8s var(--ease), transform .8s var(--ease); }
.js .reveal.is-in { opacity: 1; transform: none; }

/* ==========================================================================
   Responsive
   ========================================================================== */
@media (max-width: 1180px) {
  .header-phone span { display: none; }
  .header-phone { width: 44px; height: 44px; justify-content: center; border-radius: 50%; border: 1.5px solid rgba(243, 238, 228, .28); }
}

@media (max-width: 1060px) {
  :root { --header-h: 84px; }
  .primary-nav { display: none; }
  .header-actions { margin-left: auto; }
  .menu-toggle { display: inline-flex; }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-copy { max-width: 720px; }
  .start-card { max-width: 620px; min-height: 0; }
  .service-grid { grid-template-columns: 1fr 1fr; }
  .service-feature { grid-row: auto; grid-column: span 2; }
  .service-feature .card-link { margin-bottom: 64px; }
  .service-grid > .service-card:nth-child(6) { grid-column: auto; }
  .why-grid, .protection-grid, .calc-wrap, .faq-wrap, .book-grid { grid-template-columns: 1fr; }
  .why-media { max-width: 640px; }
  .why-media img { aspect-ratio: 3 / 2; }
  .why-badge { left: 16px; bottom: 16px; }
  .faq-wrap .section-head { position: static; }
  .team-grid { grid-template-columns: 1fr; }
  .calc-intro { max-width: 720px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 860px) {
  .steps { grid-template-columns: 1fr; gap: 0; max-width: 560px; margin-inline: auto; }
  .steps::before, .steps::after { top: 32px; bottom: 64px; left: 31px; right: auto; width: 1.5px; height: auto; }
  .steps::after { transform: scaleY(0); transform-origin: top; }
  .steps.is-drawn::after { transform: scaleY(1); }
  .step { display: grid; grid-template-columns: 64px 1fr; column-gap: 22px; text-align: left; padding: 0 0 34px; }
  .step-dot { margin: 0; grid-row: span 2; }
  .step h3 { margin-top: 14px; }
  .step p { margin-inline: 0; max-width: none; }
  .reviews-head { flex-direction: column; align-items: flex-start; }
  .calc-card { grid-template-columns: 1fr; }
  .calc-results { border-left: 0; border-top: 1px solid var(--gold-line); }
}

@media (max-width: 767px) {
  body { font-size: 1rem; }
  .site-header .btn-sm { display: none; }
  .mobile-bar { display: grid; }
  .site-footer { padding-bottom: calc(100px + env(safe-area-inset-bottom)); }
  .hero { padding-top: calc(var(--header-h) + 28px); }
  .hero-title { margin: 22px 0 20px; }
  .hero-ctas .btn { flex: 1 1 auto; }
  .hero-assurances { gap: 8px 16px; font-size: .9rem; }
  .service-grid { grid-template-columns: 1fr; }
  .service-feature { grid-column: auto; }
  .pillars { grid-template-columns: 1fr; gap: 26px; }
  .pillars li { grid-template-columns: auto 1fr; gap: 16px; }
  .person { grid-template-columns: 1fr; }
  .person-photo img { width: 120px; height: 120px; }
  .review-grid {
    columns: auto; display: flex; gap: 14px; overflow-x: auto; scroll-snap-type: x mandatory;
    margin-inline: calc(var(--gutter) * -1); padding: 4px var(--gutter) 18px; scrollbar-width: none;
  }
  .review-grid::-webkit-scrollbar { display: none; }
  .review { flex: 0 0 86%; scroll-snap-align: center; margin: 0; }
    .faq summary { font-size: 1.05rem; padding: 20px 0; }
  .faq-body { padding-right: 0; }
  .booking-card, .booking-card iframe { min-height: 760px; }
  .footer-grid { grid-template-columns: 1fr; gap: 34px; }
  .community { align-items: flex-start; }
}

@media (max-width: 420px) {
  .intent { padding: 14px 12px; font-size: .92rem; }
  .intent .icon-lg { width: 26px; height: 26px; }
  .rating-pill { font-size: .82rem; }
  .why-badge { position: relative; left: auto; bottom: auto; margin-top: -40px; margin-left: 16px; width: max-content; }
}

/* ---------- Motion preferences ---------- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
  .js .hero-mark { clip-path: none; animation: none; }
  .js .marquee-inner { animation: none; }
  .marquee { overflow-x: auto; }
  .marquee-toggle { display: none; }
  .js .reveal { opacity: 1; transform: none; }
}

/* ---------- Print ---------- */
@media print {
  .site-header, .mobile-bar, .start-card, .booking-card, .marquee { display: none !important; }
  .hero, .section-navy, .site-footer { background: #fff !important; color: #000 !important; }
}

/* ==========================================================================
   Content pages (privacy, accessibility, licensing)
   ========================================================================== */
.page-header { background: var(--navy); color: var(--on-navy); border-bottom: 1px solid var(--gold-line); }
.page-header-inner { display: flex; align-items: center; justify-content: space-between; gap: 20px; min-height: 96px; }
.page-header .brand img { height: 76px; width: auto; }
.page-header-nav { display: flex; align-items: center; gap: 16px; }
.page-hero {
  color: var(--on-navy); padding: clamp(48px, 7vw, 80px) 0 clamp(52px, 7vw, 84px);
  background: radial-gradient(900px 480px at 90% 0%, rgba(207, 173, 119, .13), transparent 60%), var(--navy);
}
.page-hero h1 { font-family: var(--font-display); font-weight: 600; font-size: clamp(2.6rem, 6vw, 4.2rem); line-height: 1.02; letter-spacing: -0.015em; }
.page-hero p { color: var(--on-navy-soft); margin: 16px 0 0; max-width: 60ch; font-size: 1.08rem; }
.prose { max-width: 780px; padding-block: clamp(48px, 7vw, 80px) clamp(72px, 9vw, 112px); }
.page-hero .container { max-width: 780px; }
.prose h2 { font-size: clamp(1.75rem, 3vw, 2.25rem); margin: 52px 0 14px; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { font-family: var(--font-body); font-size: 1.08rem; font-weight: 600; letter-spacing: 0; margin: 28px 0 8px; }
.prose p, .prose li { color: var(--ink-soft); }
.prose strong { color: var(--ink); font-weight: 600; }
.prose ul { padding-left: 1.25em; margin: 0 0 1.2em; display: grid; gap: 8px; }
.prose a { color: var(--ink); text-underline-offset: 3px; }
.prose .callout { background: var(--white); border: 1px solid var(--line); border-left: 3px solid var(--gold); border-radius: 14px; padding: 20px 22px; margin: 26px 0; }
.prose .callout p:last-child { margin-bottom: 0; }
.prose .updated { font-size: .9rem; color: var(--ink-soft); }
@media (max-width: 767px) {
  .page-header-inner { min-height: 80px; }
  .page-header .brand img { height: 60px; }
  .page-header .btn-sm { padding: .7em 1em; font-size: .88rem; }
}