/* ==========================================================================
   Commercial Trust: homepage brand system
   Palette comes straight from the logo: Trust Navy #052F49, Harbour Blue #1C6B93,
   Signal Amber #FAB816. Type: Plus Jakarta Sans, with Instrument Serif italic accents.
   ========================================================================== */

@font-face {
  font-family: "Plus Jakarta Sans";
  src: url("/case-studies/concepts/_assets/cd8db90cd950e26bc8761f65.woff2") format("woff2");
  font-weight: 400 800;
  font-style: normal;
  font-display: swap;
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: "Instrument Serif";
  src: url("/case-studies/concepts/_assets/6ee678c33f388dd7ba59700e.woff2") format("woff2");
  font-weight: 400;
  font-style: italic;
  font-display: swap;
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: "Instrument Serif";
  src: url("/case-studies/concepts/_assets/60c06664b5a95c7de6cc3e00.woff2") format("woff2");
  font-weight: 400;
  font-style: normal;
  font-display: swap;
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

:root {
  /* Brand (from the logo) */
  --navy: #052F49;
  --blue: #1C6B93;
  --amber: #FAB816;

  /* Extended */
  --navy-950: #021B2B;
  --navy-900: #03253A;
  --navy-800: #083A58;
  --navy-700: #0D4669;
  --blue-300: #8DB8CF;
  --blue-200: #BCD6E4;
  --blue-100: #DDEBF3;
  --sky: #EDF4F8;
  --amber-hover: #FFC83A;
  --amber-100: #FFF2CF;
  --paper: #F7F4EE;
  --paper-2: #EFEAE0;
  --white: #FFFFFF;

  --ink: #052F49;
  --text: #2E4A5B;
  --muted: #546C7C;
  --on-dark: #C9D6DE;
  --line: #DCE4EA;
  --line-strong: #C3D0D9;
  --open: #2FBF71;
  --danger: #B42318;

  --focus: var(--blue);

  --font-sans: "Plus Jakarta Sans", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --font-serif: "Instrument Serif", ui-serif, Georgia, "Times New Roman", serif;

  --container: 1240px;
  --gutter: clamp(16px, 4vw, 32px);
  --section: clamp(72px, 8.5vw, 116px);
  --radius-sm: 8px;
  --radius: 12px;
  --radius-lg: 20px;
  --shadow-sm: 0 1px 2px rgba(5, 47, 73, .06), 0 1px 1px rgba(5, 47, 73, .04);
  --shadow: 0 14px 34px -16px rgba(5, 47, 73, .28), 0 2px 6px rgba(5, 47, 73, .06);
  --shadow-xl: 0 40px 80px -28px rgba(1, 16, 27, .65), 0 12px 24px -12px rgba(1, 16, 27, .35);
  --ease: cubic-bezier(.2, .7, .2, 1);
  --header-h: 76px;
}

/* ---------- Reset & base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 16px); }
body {
  margin: 0;
  background: var(--white);
  color: var(--text);
  font-family: var(--font-sans);
  font-size: 1.0625rem;
  line-height: 1.65;
  font-feature-settings: "ss01" 0;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
}
img, svg { display: block; max-width: 100%; }
img { height: auto; }
a { color: var(--blue); text-decoration-thickness: 1px; text-underline-offset: .18em; }
a:hover { color: var(--navy); }
a[href^="tel:"] { white-space: nowrap; }
h1, h2, h3, h4 { color: var(--ink); margin: 0; font-weight: 760; letter-spacing: -.02em; line-height: 1.12; text-wrap: balance; }
p { margin: 0; }
p, li, dd, blockquote { text-wrap: pretty; }
ul, ol { margin: 0; padding: 0; list-style: none; }
button, input, select, textarea { font: inherit; color: inherit; }
button { cursor: pointer; }
fieldset { border: 0; margin: 0; padding: 0; min-width: 0; }
legend { padding: 0; }
blockquote, figure, dl, dd { margin: 0; }
strong { font-weight: 720; }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 3px; border-radius: 4px; }
[hidden] { display: none !important; }

.sprite { position: absolute; width: 0; height: 0; overflow: hidden; }
.sr-only, .hp {
  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(--amber); color: var(--navy); font-weight: 700; padding: 12px 18px; border-radius: 10px;
  text-decoration: none; transition: top .2s var(--ease);
}
.skip-link:focus { top: 12px; }

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

/* Icon defaults (symbols carry their own stroke settings) */
.ico { width: 1.25em; height: 1.25em; flex: none; }
.ac { fill: var(--acc, #FAB816); }
.acs { stroke: var(--acc, #FAB816); }

/* ---------- Type ---------- */
.display {
  font-size: clamp(2.55rem, 1.2rem + 4.1vw, 4.55rem);
  line-height: 1.02;
  letter-spacing: -.038em;
  font-weight: 780;
}
h1 em, h2 em, h3 em {
  font-family: var(--font-serif);
  font-style: italic;
  font-weight: 400;
  letter-spacing: -.01em;
  font-size: 1.1em;
  line-height: .9;
  color: var(--blue);
}
h2 { font-size: clamp(2rem, 1.25rem + 2.6vw, 3.4rem); line-height: 1.06; letter-spacing: -.032em; }
h3 { font-size: 1.2rem; letter-spacing: -.012em; }
.section-lead { font-size: clamp(1.06rem, 1rem + .3vw, 1.2rem); line-height: 1.6; color: var(--text); max-width: 60ch; }

.eyebrow {
  display: inline-flex; align-items: center; gap: .6em;
  font-size: .8rem; font-weight: 750; letter-spacing: .14em; text-transform: uppercase;
  color: var(--blue); margin-bottom: 18px;
}
.eyebrow .bands { width: 1.05em; height: 1.4em; fill: var(--blue); }
.eyebrow--on-dark { color: var(--amber); }
.eyebrow--on-dark .bands { fill: var(--amber); }

/* ---------- Buttons & links ---------- */
.btn {
  --btn-bg: var(--navy); --btn-fg: #fff; --btn-bg-hover: var(--navy-700);
  display: inline-flex; align-items: center; justify-content: center; gap: .6em;
  min-height: 54px; padding: 0 1.45em; border-radius: 12px; border: 2px solid transparent;
  background: var(--btn-bg); color: var(--btn-fg);
  font-weight: 740; font-size: 1rem; line-height: 1.1; letter-spacing: -.005em; text-decoration: none; white-space: nowrap;
  transition: background-color .2s var(--ease), transform .2s var(--ease), box-shadow .2s var(--ease), color .2s var(--ease);
}
.btn:hover { background: var(--btn-bg-hover); color: var(--btn-fg); transform: translateY(-1px); box-shadow: 0 10px 22px -10px rgba(2, 27, 43, .55); }
.btn:active { transform: translateY(0); }
.btn .ico { width: 1.15em; height: 1.15em; transition: transform .2s var(--ease); }
.btn:hover .ico:last-child:not(:first-child) { transform: translateX(3px); }
.btn--amber { --btn-bg: var(--amber); --btn-fg: var(--navy); --btn-bg-hover: var(--amber-hover); }
.btn--navy { --btn-bg: var(--navy); --btn-fg: #fff; --btn-bg-hover: var(--navy-700); }
.btn--outline { --btn-bg: transparent; --btn-fg: var(--navy); --btn-bg-hover: rgba(5, 47, 73, .06); border-color: var(--line-strong); }
.btn--sm { min-height: 44px; padding: 0 1.1em; font-size: .95rem; border-radius: 10px; }
.btn--block { width: 100%; }
.btn[disabled] { opacity: .6; cursor: progress; transform: none; }

.btn-text {
  display: inline-flex; align-items: center; gap: .45em;
  font-weight: 740; color: var(--navy); text-decoration: none;
  border-bottom: 2px solid var(--amber); padding-bottom: 2px;
}
.btn-text .ico { width: 1.05em; height: 1.05em; transition: transform .2s var(--ease); }
.btn-text:hover { color: var(--blue); }
.btn-text:hover .ico { transform: translateX(3px); }

.icon-btn {
  display: inline-grid; place-items: center; width: 46px; height: 46px; border-radius: 12px;
  border: 0; background: transparent; color: var(--navy); text-decoration: none;
}
.icon-btn .ico { width: 24px; height: 24px; }
.icon-btn--line { border: 1.5px solid var(--line-strong); background: var(--white); border-radius: 50%; width: 52px; height: 52px; transition: background .2s, border-color .2s, opacity .2s; }
.icon-btn--line:hover { border-color: var(--navy); }
.icon-btn--line[disabled] { opacity: .35; cursor: default; }

/* Opening-hours status */
.status { display: inline-flex; align-items: center; gap: .5em; font-size: .78rem; font-weight: 650; color: var(--muted); }
.status__dot { width: 8px; height: 8px; border-radius: 50%; background: var(--line-strong); flex: none; }
.status.is-open .status__dot { background: var(--open); box-shadow: 0 0 0 0 rgba(47, 191, 113, .55); animation: pulse 2.4s infinite; }
@keyframes pulse { 0% { box-shadow: 0 0 0 0 rgba(47, 191, 113, .55); } 70% { box-shadow: 0 0 0 8px rgba(47, 191, 113, 0); } 100% { box-shadow: 0 0 0 0 rgba(47, 191, 113, 0); } }

/* ---------- Utility bar & header ---------- */
.utility { background: var(--navy-950); color: var(--on-dark); font-size: .82rem; --focus: var(--amber); }
.utility__inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; min-height: 38px; }
.utility__tag { opacity: .9; }
.utility__links { display: flex; gap: 22px; }
.utility a { color: var(--on-dark); text-decoration: none; }
.utility a:hover { color: #fff; }
.utility strong { color: #fff; font-weight: 700; }

.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, .97);
  -webkit-backdrop-filter: saturate(1.4) blur(10px); backdrop-filter: saturate(1.4) blur(10px);
  border-bottom: 1px solid transparent;
  transition: box-shadow .25s var(--ease), border-color .25s var(--ease);
}
.site-header.is-scrolled { border-bottom-color: var(--line); box-shadow: 0 8px 24px -18px rgba(5, 47, 73, .45); }
.header__inner { display: flex; align-items: center; gap: 28px; height: var(--header-h); }
.brand { display: block; flex: none; }
.brand img { width: 221px; height: auto; }
.nav { margin-left: auto; }
.nav__list { display: flex; gap: 4px; }
.nav__list a {
  display: block; padding: 10px 12px; border-radius: 8px;
  color: var(--ink); font-weight: 640; font-size: .95rem; text-decoration: none; white-space: nowrap;
  transition: background .2s, color .2s;
}
.nav__list a:hover { background: var(--sky); color: var(--navy); }
.header__actions { display: flex; align-items: center; gap: 18px; }
.header__phone { display: grid; text-decoration: none; line-height: 1.15; text-align: right; }
.header__phone .status { justify-content: flex-end; font-size: .72rem; }
.header__number { font-weight: 780; font-size: 1.08rem; color: var(--navy); letter-spacing: -.01em; white-space: nowrap; }
.header__phone:hover .header__number { color: var(--blue); }
.header__call-icon, .menu-toggle { display: none; }
.menu-toggle .ico--close { display: none; }
.menu-toggle[aria-expanded="true"] .ico--menu { display: none; }
.menu-toggle[aria-expanded="true"] .ico--close { display: block; }

.mobile-menu { border-top: 1px solid var(--line); background: var(--white); max-height: calc(100vh - var(--header-h)); overflow-y: auto; }
.mobile-menu__list { padding: 8px 0; }
.mobile-menu__list a { display: block; padding: 14px 0; border-bottom: 1px solid var(--line); color: var(--ink); font-weight: 680; font-size: 1.1rem; text-decoration: none; }
.mobile-menu__cta { display: grid; gap: 12px; padding: 20px 0 28px; }
.mobile-menu__hours { text-align: center; font-size: .88rem; color: var(--muted); }

/* ---------- Hero ---------- */
.hero {
  --focus: var(--amber);
  position: relative; isolation: isolate; overflow: hidden;
  color: var(--on-dark);
  background:
    radial-gradient(900px 520px at 8% -8%, rgba(28, 107, 147, .55), transparent 62%),
    radial-gradient(700px 500px at 100% 0%, rgba(13, 70, 105, .65), transparent 60%),
    var(--navy);
  padding: clamp(36px, 4.5vw, 64px) 0 clamp(80px, 7vw, 104px);
}
.hero__art { position: absolute; inset: 0; z-index: -1; pointer-events: none; }
.hero__mark {
  --mark-w: clamp(620px, 66vw, 960px);
  position: absolute; bottom: 0;
  width: var(--mark-w); height: auto; max-width: none;
  left: calc(50% + min(361px, 27.5vw) - .47 * var(--mark-w));
}
.hm-face { fill: var(--amber); }
.hm-b { fill: var(--blue); }
.hm-r { fill: var(--navy-950); }
.hm-horizon { fill: var(--blue-300); opacity: .55; }

.hero__grid {
  display: grid;
  grid-template-columns: minmax(0, 1.12fr) minmax(0, .88fr);
  grid-template-areas: "copy form" "meta form";
  grid-template-rows: auto 1fr;
  column-gap: clamp(40px, 5vw, 80px);
  align-items: start;
}
.hero__copy { grid-area: copy; padding-top: clamp(8px, 2vw, 28px); }
.hero__meta { grid-area: meta; }
.hero__form { grid-area: form; position: relative; scroll-margin-top: calc(var(--header-h) + 16px); }
.hero h1 { color: #fff; max-width: 12.5ch; }
.hero h1 em { color: var(--amber); }
.hero .lead { margin-top: 24px; font-size: clamp(1.06rem, .98rem + .4vw, 1.25rem); line-height: 1.6; max-width: 54ch; color: var(--on-dark); }

.ticks { display: grid; gap: 10px; margin-top: 28px; }
.ticks li { display: flex; align-items: center; gap: 12px; color: #fff; font-weight: 600; }
.ticks .ico { width: 22px; height: 22px; padding: 4px; border-radius: 50%; background: var(--amber); color: var(--navy); }

.hero__call { margin-top: 32px; }
.call-link { display: inline-flex; align-items: center; gap: 14px; text-decoration: none; color: #fff; }
.call-link__icon { display: grid; place-items: center; width: 54px; height: 54px; border-radius: 50%; border: 1.5px solid rgba(255, 255, 255, .28); color: var(--amber); transition: background .2s, border-color .2s; }
.call-link__icon .ico { width: 24px; height: 24px; }
.call-link:hover .call-link__icon { background: rgba(255, 255, 255, .08); border-color: var(--amber); }
.call-link__text { display: grid; line-height: 1.2; }
.call-link__text small { font-size: .85rem; color: var(--on-dark); }
.call-link__text strong { font-size: clamp(1.5rem, 1.2rem + 1vw, 1.9rem); font-weight: 780; letter-spacing: -.02em; color: #fff; }
.call-link:hover strong { color: var(--amber); }

.hero__proof { display: flex; flex-wrap: wrap; align-items: center; gap: 12px 26px; margin-top: 30px; padding-top: 24px; border-top: 1px solid rgba(255, 255, 255, .14); font-size: .88rem; color: var(--on-dark); }
.hero__proof li { display: inline-flex; align-items: center; gap: 8px; }
.hero__proof li > .ico { width: 17px; height: 17px; color: var(--amber); }
.rating { display: inline-flex; align-items: center; gap: 10px; color: var(--on-dark); text-decoration: none; }
.rating strong { color: #fff; }
.rating:hover { color: #fff; }
.stars { display: inline-flex; gap: 2px; color: var(--amber); }
.stars .ico { width: 16px; height: 16px; }
.ico--part { -webkit-mask-image: linear-gradient(90deg, #000 70%, rgba(0, 0, 0, .28) 70%); mask-image: linear-gradient(90deg, #000 70%, rgba(0, 0, 0, .28) 70%); }

/* Enquiry card */
.enquiry {
  --focus: var(--blue);
  container-type: inline-size;
  position: relative; background: var(--white); color: var(--text);
  border-radius: var(--radius-lg); padding: 30px clamp(20px, 2.4vw, 30px) 22px;
  box-shadow: var(--shadow-xl);
}
.enquiry::before {
  content: ""; position: absolute; left: 0; right: 0; top: 0; height: 6px; border-radius: var(--radius-lg) var(--radius-lg) 0 0;
  background: linear-gradient(90deg, var(--blue) 0 50%, var(--amber) 50% 100%);
}
.enquiry__title { font-size: 1.4rem; font-weight: 780; color: var(--ink); letter-spacing: -.02em; line-height: 1.2; }
.enquiry__sub { font-size: .92rem; color: var(--muted); margin-top: 4px; }
.progress { display: flex; gap: 8px; margin: 18px 0 20px; counter-reset: step; }
.progress li { flex: 1; display: flex; align-items: center; gap: 8px; font-size: .78rem; font-weight: 700; color: var(--muted); padding-top: 10px; border-top: 3px solid var(--line); transition: color .3s, border-color .3s; }
.progress li span { display: grid; place-items: center; width: 22px; height: 22px; border-radius: 50%; background: var(--line); color: var(--muted); font-size: .72rem; transition: background .3s, color .3s; }
.progress li.is-current { color: var(--ink); border-top-color: var(--amber); }
.progress li.is-current span { background: var(--amber); color: var(--navy); }
.progress li.is-done { color: var(--ink); border-top-color: var(--navy); }
.progress li.is-done span { background: var(--navy); color: #fff; }

.step__q { font-size: 1.06rem; font-weight: 740; color: var(--ink); margin-bottom: 14px; }
.js .enquiry .step { display: none; }
.js .enquiry .step.is-active { display: block; animation: stepIn .4s var(--ease); }
@keyframes stepIn { from { opacity: 0; transform: translateX(12px); } to { opacity: 1; transform: none; } }
.no-js .progress, .no-js .step__nav [data-prev], .no-js [data-next] { display: none; }
.no-js .step + .step { margin-top: 26px; padding-top: 22px; border-top: 1px solid var(--line); }

.tiles { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; }
@container (min-width: 430px) { .tiles { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.tile {
  position: relative; display: grid; justify-items: start; gap: 2px;
  padding: 14px 14px 13px; border: 1.5px solid var(--line); border-radius: 14px; background: var(--white);
  cursor: pointer; transition: border-color .2s, background .2s, transform .2s var(--ease), box-shadow .2s;
}
.tile input, .chip input, .seg input, .tile-other input { position: absolute; opacity: 0; width: 1px; height: 1px; pointer-events: none; }
.tile:hover { border-color: var(--blue-300); background: var(--sky); transform: translateY(-1px); }
.tile__icon { color: var(--navy); --acc: var(--amber); margin-bottom: 6px; }
.tile__icon svg { width: 32px; height: 32px; }
.tile__label { font-weight: 740; color: var(--ink); font-size: .95rem; line-height: 1.25; }
.tile__hint { font-size: .76rem; line-height: 1.35; color: var(--muted); }
.tile::after {
  content: ""; position: absolute; top: 10px; right: 10px; width: 20px; height: 20px; border-radius: 50%;
  background: var(--navy); opacity: 0; transform: scale(.6); transition: opacity .2s, transform .2s var(--ease);
}
.tile::before {
  content: ""; position: absolute; z-index: 1; top: 15px; right: 16.5px; width: 7px; height: 4px;
  border-left: 2px solid #fff; border-bottom: 2px solid #fff; transform: rotate(-45deg) scale(.6); opacity: 0; transition: opacity .2s, transform .2s var(--ease);
}
.tile:has(input:checked) { border-color: var(--navy); background: var(--sky); box-shadow: inset 0 0 0 1px var(--navy); }
.tile:has(input:checked)::after { opacity: 1; transform: scale(1); }
.tile:has(input:checked)::before { opacity: 1; transform: rotate(-45deg) scale(1); }
.tile:has(input:focus-visible) { outline: 3px solid var(--focus); outline-offset: 2px; }

.tile-other { display: block; position: relative; margin-top: 12px; font-size: .9rem; color: var(--muted); cursor: pointer; text-align: center; padding: 8px; border-radius: 10px; }
.tile-other strong { color: var(--navy); text-decoration: underline; text-decoration-color: var(--amber); text-decoration-thickness: 2px; text-underline-offset: 4px; }
.tile-other:hover strong { color: var(--blue); }
.tile-other:has(input:checked) { background: var(--sky); color: var(--ink); }
.tile-other:has(input:focus-visible) { outline: 3px solid var(--focus); outline-offset: 2px; }

.chips { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 18px; }
.chip span {
  display: inline-block; padding: 9px 15px; border-radius: 999px; border: 1.5px solid var(--line-strong);
  font-size: .9rem; font-weight: 650; color: var(--ink); cursor: pointer; transition: all .2s;
}
.chip span:hover { border-color: var(--navy); }
.chip input:checked + span { background: var(--navy); border-color: var(--navy); color: #fff; }
.chip input:focus-visible + span { outline: 3px solid var(--focus); outline-offset: 2px; }

.field { display: grid; gap: 6px; margin-bottom: 14px; }
.field label { font-size: .84rem; font-weight: 700; color: var(--ink); }
.field-row { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 12px; }
.field input, .field select, .money input {
  width: 100%; height: 50px; padding: 0 14px; border-radius: 10px; border: 1.5px solid var(--line-strong); background: var(--white);
  font-size: 1rem; color: var(--ink); transition: border-color .2s, box-shadow .2s;
}
.field input:hover, .field select:hover { border-color: var(--muted); }
.field input:focus, .field select:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 4px rgba(28, 107, 147, .18); }
.field input[aria-invalid="true"] { border-color: var(--danger); box-shadow: 0 0 0 3px rgba(180, 35, 24, .12); }
.field-error { font-size: .8rem; font-weight: 600; color: var(--danger); }
.step > .field-error { margin-top: 8px; text-align: center; }
.money { position: relative; }
.money span { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); font-weight: 700; color: var(--muted); }
.money input { padding-left: 30px; font-variant-numeric: tabular-nums; }
.select { position: relative; }
.select select { appearance: none; -webkit-appearance: none; padding-right: 44px; cursor: pointer; }
.select .ico { position: absolute; right: 14px; top: 50%; transform: translateY(-50%); width: 18px; height: 18px; pointer-events: none; color: var(--muted); }
.suffix { position: relative; }
.suffix input { padding-right: 36px; }
.suffix span { position: absolute; right: 14px; top: 50%; transform: translateY(-50%); font-weight: 700; color: var(--muted); }
.ltv-note { font-size: .86rem; color: var(--muted); min-height: 1.4em; margin-top: -4px; }
.ltv-note strong { color: var(--ink); }
.consent { font-size: .76rem; line-height: 1.5; color: var(--muted); margin: 2px 0 16px; }
.consent a { color: var(--muted); }
.step__nav { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-top: 18px; }
.step__nav .btn { flex: 1; max-width: 300px; }
.step[data-step="3"] .step__nav .btn { max-width: none; }
.step__nav--first { display: none; justify-content: flex-end; }
.step:has(input:checked) .step__nav--first { display: flex; }
.btn-back { display: inline-flex; align-items: center; gap: 6px; border: 0; background: none; padding: 12px 6px; font-weight: 700; color: var(--muted); border-radius: 8px; }
.btn-back:hover { color: var(--navy); }
.btn-back .ico { width: 18px; height: 18px; }
.enquiry__foot { display: flex; align-items: center; justify-content: center; gap: 8px; margin-top: 18px; padding-top: 14px; border-top: 1px solid var(--line); font-size: .8rem; color: var(--muted); text-align: center; }
.enquiry__foot .ico { width: 16px; height: 16px; color: var(--blue); }

/* ---------- Proof strip ---------- */
.proof { background: var(--white); border-bottom: 1px solid var(--line); }
.proof__list { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); }
.proof__list li { padding: clamp(26px, 3vw, 40px) clamp(14px, 1.6vw, 26px); display: grid; gap: 6px; align-content: start; }
.proof__list li + li { border-left: 1px solid var(--line); }
.proof__list li:first-child { padding-left: 0; }
.proof__list strong { font-size: clamp(1.9rem, 1.4rem + 1.4vw, 2.7rem); line-height: 1; font-weight: 800; letter-spacing: -.035em; color: var(--navy); }
.proof__list span { font-size: .9rem; line-height: 1.45; color: var(--muted); max-width: 22ch; }

/* ---------- Sections ---------- */
.section { padding: var(--section) 0; position: relative; overflow-x: clip; }
.section--tight { padding: clamp(56px, 6vw, 88px) 0; }
.section--paper { background: var(--paper); }
.section--sky { background: var(--sky); }
.section--navy { --focus: var(--amber); background: var(--navy); color: var(--on-dark); }
.section--navy h2, .section--navy h3 { color: #fff; }
.section--navy h2 em { color: var(--amber); }
.section-head { margin-bottom: clamp(36px, 4.5vw, 64px); }
.section-head h2 { max-width: 22ch; }
.section-head .section-lead { margin-top: 18px; }
.section-head--split { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); gap: 20px clamp(32px, 6vw, 96px); align-items: end; }
.section-head--split .section-lead { margin-top: 0; }

/* ---------- Finance: audience tabs & products ---------- */
.audience__tabs {
  display: inline-flex; flex-wrap: wrap; gap: 6px; padding: 6px; margin-bottom: 28px;
  background: var(--white); border: 1px solid var(--line); border-radius: 16px; box-shadow: var(--shadow-sm);
}
.no-js .audience__tabs { display: none; }
.audience__tab {
  border: 0; background: transparent; padding: 12px 20px; border-radius: 11px;
  font-weight: 700; font-size: .95rem; color: var(--muted); transition: background .2s, color .2s;
}
.audience__tab:hover { color: var(--navy); background: var(--sky); }
.audience__tab[aria-selected="true"] { background: var(--navy); color: #fff; }
.audience__title { font-size: 1.05rem; color: var(--muted); font-weight: 700; margin: 0 0 16px; }
.js .audience__title { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.no-js .audience__panel + .audience__panel { margin-top: 40px; }
.js .audience__panel:not(.is-active) { display: none; }
.js .audience__panel.is-active { animation: fadeUp .45s var(--ease); }
@keyframes fadeUp { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }
.audience__panel:focus-visible { outline-offset: 8px; }

.products { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 18px; }
.product {
  position: relative; display: flex; flex-direction: column; gap: 10px;
  padding: 26px 24px 24px; border-radius: 18px; background: var(--white); border: 1px solid var(--line);
  transition: transform .25s var(--ease), box-shadow .25s var(--ease), border-color .25s;
}
.product:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--blue-200); }
.product__icon { width: 46px; height: 46px; color: var(--navy); --acc: var(--amber); margin-bottom: 8px; }
.product__title { font-size: 1.14rem; line-height: 1.25; }
.product__title a { color: var(--ink); text-decoration: none; }
.product__title a::after { content: ""; position: absolute; inset: 0; border-radius: inherit; }
.product__title a:focus-visible { outline: none; }
.product:has(a:focus-visible) { outline: 3px solid var(--focus); outline-offset: 3px; }
.product p { font-size: .95rem; line-height: 1.55; }
.product__fact { margin-top: auto; padding-top: 8px; }
.product p.product__fact { font-size: .78rem; font-weight: 750; color: var(--navy); }
.product__fact::before { content: ""; display: inline-block; width: 8px; height: 8px; margin-right: 8px; border-radius: 2px; background: var(--amber); transform: skewX(-18deg); }
.product__arrow { position: absolute; right: 22px; bottom: 22px; width: 20px; height: 20px; color: var(--navy); opacity: 0; transform: translateX(-6px); transition: opacity .25s, transform .25s var(--ease); }
.product:hover .product__arrow { opacity: 1; transform: none; }
.audience__more { margin-top: 22px; font-size: .92rem; color: var(--muted); }
.audience__more a { color: var(--navy); font-weight: 650; }

.honest {
  display: flex; align-items: center; gap: 18px; margin-top: 40px; padding: 22px 26px;
  border-radius: 16px; background: var(--white); border: 1px dashed var(--line-strong);
}
.honest > .ico { width: 28px; height: 28px; color: var(--blue); }
.honest p { flex: 1; font-size: .98rem; }
.honest strong { color: var(--ink); }
.honest .btn-text { flex: none; }

/* ---------- How it works ---------- */
.how { display: grid; grid-template-columns: minmax(0, 1.45fr) minmax(0, 1fr); gap: clamp(28px, 4vw, 56px); align-items: start; }
.steps-list { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 40px clamp(24px, 3vw, 44px); counter-reset: s; }
.steps-list li { position: relative; padding-top: 22px; border-top: 2px solid var(--line); }
.steps-list li::before { content: ""; position: absolute; top: -2px; left: 0; width: 56px; height: 2px; background: var(--amber); }
.steps-list__num { display: block; font-family: var(--font-serif); font-style: italic; font-size: 3.4rem; line-height: .9; color: var(--blue); margin-bottom: 14px; letter-spacing: -.02em; }
.steps-list h3 { font-size: 1.25rem; margin-bottom: 8px; }
.steps-list p { font-size: .98rem; }
.steps-list__tag { display: inline-flex; align-items: center; gap: 6px; margin-top: 14px; padding: 6px 12px; border-radius: 999px; background: var(--amber-100); color: var(--navy); font-size: .8rem; font-weight: 750; }
.steps-list__tag .ico { width: 15px; height: 15px; }
.steps-list__quote { margin-top: 14px; padding-left: 14px; border-left: 3px solid var(--amber); font-family: var(--font-serif); font-style: italic; font-size: 1.2rem; line-height: 1.35; color: var(--ink); }
.steps-list__quote cite { display: block; margin-top: 6px; font-family: var(--font-sans); font-style: normal; font-size: .78rem; font-weight: 650; color: var(--muted); }

.fees {
  --focus: var(--amber);
  position: sticky; top: calc(var(--header-h) + 24px);
  background: var(--navy); color: var(--on-dark); border-radius: 22px; padding: clamp(26px, 3vw, 38px);
  overflow: hidden; isolation: isolate;
}
.fees::after {
  content: ""; position: absolute; z-index: -1; right: -60px; top: -60px; width: 220px; height: 220px; border-radius: 50%;
  background: radial-gradient(circle, rgba(28, 107, 147, .55), transparent 70%);
}
.fees .eyebrow { margin-bottom: 10px; }
.fees h3 { color: #fff; font-size: clamp(1.5rem, 1.2rem + 1vw, 1.9rem); letter-spacing: -.025em; }
.fees__intro { margin-top: 10px; font-size: .98rem; }
.fees__list { margin-top: 22px; display: grid; }
.fees__list div { display: flex; justify-content: space-between; align-items: baseline; gap: 18px; padding: 16px 0; border-top: 1px solid rgba(255, 255, 255, .14); }
.fees__list dt { color: #fff; font-weight: 700; font-size: .98rem; display: grid; gap: 3px; }
.fees__list dt small { font-weight: 500; font-size: .8rem; color: var(--on-dark); line-height: 1.45; }
.fees__list dd { flex: none; font-weight: 800; font-size: 1.45rem; color: var(--amber); letter-spacing: -.02em; white-space: nowrap; }
.fees__list dd span { font-size: .75rem; font-weight: 650; color: var(--on-dark); letter-spacing: 0; margin-right: 2px; }
.fees__note { margin-top: 8px; padding-top: 16px; border-top: 1px solid rgba(255, 255, 255, .14); font-size: .84rem; line-height: 1.55; }

/* ---------- Calculator ---------- */
.calc { display: grid; grid-template-columns: minmax(0, .85fr) minmax(0, 1.35fr); gap: clamp(32px, 5vw, 72px); align-items: center; }
.calc__intro h2 { max-width: 13ch; }
.calc__intro .section-lead { margin-top: 18px; }
.calc__glossary { margin-top: 28px; display: grid; gap: 14px; }
.calc__glossary div { padding: 16px 18px; border-radius: 14px; background: rgba(255, 255, 255, .7); border: 1px solid var(--blue-100); }
.calc__glossary dt { font-weight: 750; color: var(--ink); font-size: .92rem; }
.calc__glossary dd { font-size: .9rem; line-height: 1.55; margin-top: 2px; }
.calc__tool { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); background: var(--white); border-radius: 24px; box-shadow: var(--shadow); overflow: hidden; }
.calc__inputs { padding: clamp(24px, 3vw, 34px); display: grid; gap: 22px; align-content: start; }
.range__top { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; margin-bottom: 8px; }
.range__top label { font-weight: 700; color: var(--ink); font-size: .92rem; }
.range__top output { font-weight: 800; font-size: 1.3rem; color: var(--navy); letter-spacing: -.02em; font-variant-numeric: tabular-nums; }
.range__scale { display: flex; justify-content: space-between; font-size: .74rem; color: var(--muted); margin-top: 2px; }

input[type="range"] { -webkit-appearance: none; appearance: none; width: 100%; height: 30px; background: transparent; cursor: pointer; --p: 50%; }
input[type="range"]::-webkit-slider-runnable-track { height: 6px; border-radius: 99px; background: linear-gradient(90deg, var(--blue) 0 var(--p), var(--blue-100) var(--p) 100%); }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 26px; height: 26px; margin-top: -10px; border-radius: 50%; background: var(--white); border: 3px solid var(--navy); box-shadow: 0 4px 10px -2px rgba(5, 47, 73, .35); transition: transform .15s; }
input[type="range"]:active::-webkit-slider-thumb { transform: scale(1.12); }
input[type="range"]::-moz-range-track { height: 6px; border-radius: 99px; background: var(--blue-100); }
input[type="range"]::-moz-range-progress { height: 6px; border-radius: 99px; background: var(--blue); }
input[type="range"]::-moz-range-thumb { width: 20px; height: 20px; border-radius: 50%; background: var(--white); border: 3px solid var(--navy); box-shadow: 0 4px 10px -2px rgba(5, 47, 73, .35); }
input[type="range"]:focus-visible { outline: none; }
input[type="range"]:focus-visible::-webkit-slider-thumb { box-shadow: 0 0 0 4px rgba(28, 107, 147, .3); }
input[type="range"]:focus-visible::-moz-range-thumb { box-shadow: 0 0 0 4px rgba(28, 107, 147, .3); }

.seg legend { font-weight: 700; color: var(--ink); font-size: .92rem; margin-bottom: 10px; }
.seg__opts { display: grid; gap: 8px; }
.seg label { position: relative; display: block; }
.seg span { display: block; padding: 11px 14px; border: 1.5px solid var(--line-strong); border-radius: 10px; font-size: .9rem; font-weight: 650; color: var(--ink); cursor: pointer; transition: all .2s; }
.seg span:hover { border-color: var(--navy); }
.seg input:checked + span { background: var(--navy); border-color: var(--navy); color: #fff; }
.seg input:focus-visible + span { outline: 3px solid var(--focus); outline-offset: 2px; }
.calc__more summary { display: inline-flex; align-items: center; gap: 6px; font-size: .88rem; font-weight: 700; color: var(--blue); cursor: pointer; list-style: none; }
.calc__more summary::-webkit-details-marker { display: none; }
.calc__more summary .ico { width: 16px; height: 16px; transition: transform .2s; }
.calc__more[open] summary .ico { transform: rotate(180deg); }
.calc__more-body { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 14px; }
.calc__more-body .field { margin: 0; }

.calc__result { --focus: var(--amber); background: var(--navy); color: var(--on-dark); padding: clamp(24px, 3vw, 36px); display: flex; flex-direction: column; }
.calc__label { font-size: .82rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--blue-300); }
.calc__big { font-size: clamp(2.6rem, 2rem + 2vw, 3.5rem); font-weight: 800; letter-spacing: -.04em; line-height: 1.05; color: var(--amber); margin-top: 6px; font-variant-numeric: tabular-nums; }
.calc__limit { font-size: .92rem; margin-top: 6px; }
.calc__limit strong { color: #fff; }
.bars { display: grid; gap: 14px; margin: 22px 0 18px; }
.bar__top { display: flex; justify-content: space-between; gap: 10px; font-size: .84rem; margin-bottom: 6px; }
.bar__top strong { color: #fff; font-variant-numeric: tabular-nums; }
.bar__track { height: 8px; border-radius: 99px; background: rgba(255, 255, 255, .1); overflow: hidden; }
.bar__fill { display: block; height: 100%; width: var(--w, 50%); border-radius: inherit; background: var(--blue-300); transition: width .45s var(--ease), background .3s; }
.bar.is-limit .bar__fill { background: var(--amber); }
.calc__deposit { font-size: .9rem; padding: 14px 0; border-top: 1px solid rgba(255, 255, 255, .12); }
.calc__deposit strong { color: #fff; }
.calc__tip { font-size: .86rem; line-height: 1.55; margin-bottom: 20px; color: var(--on-dark); }
.calc__result .btn { margin-top: auto; white-space: normal; text-align: center; }
.calc__disclaimer { grid-column: 1 / -1; font-size: .8rem; line-height: 1.6; color: var(--muted); max-width: 110ch; }

/* ---------- Why (manifesto) ---------- */
.why__mark { position: absolute; top: clamp(56px, 7vw, 96px); right: calc(50% - 720px); width: 420px; height: 550px; fill: var(--blue); opacity: .32; pointer-events: none; }
.section--navy > .container { position: relative; }
.manifesto { max-width: 980px; margin-bottom: clamp(48px, 6vw, 80px); }
.manifesto__line { font-size: clamp(2.5rem, 1.3rem + 4.4vw, 5rem); line-height: 1.02; letter-spacing: -.04em; max-width: none; }
.manifesto__line em { font-size: 1.12em; }
.manifesto__lead { margin-top: 24px; font-size: clamp(1.06rem, 1rem + .35vw, 1.22rem); max-width: 58ch; }
.why { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 0; border-top: 1px solid rgba(255, 255, 255, .14); }
.why li { padding: 34px clamp(18px, 2.4vw, 34px) 36px 0; border-bottom: 1px solid rgba(255, 255, 255, .14); }
.why li:not(:nth-child(3n + 1)) { padding-left: clamp(18px, 2.4vw, 34px); border-left: 1px solid rgba(255, 255, 255, .14); }
.why__icon { width: 30px; height: 30px; color: var(--amber); margin-bottom: 18px; }
.why h3 { font-size: 1.2rem; margin-bottom: 8px; }
.why p { font-size: .96rem; }

/* ---------- Reviews ---------- */
.reviews-head { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 28px clamp(32px, 6vw, 96px); align-items: end; margin-bottom: clamp(32px, 4vw, 52px); }
.reviews-head h2 { max-width: 19ch; }
.score { background: var(--white); border-radius: 20px; padding: 24px 28px; box-shadow: var(--shadow-sm); border: 1px solid var(--line); min-width: 250px; }
.score__num { font-size: 3.2rem; font-weight: 800; color: var(--navy); line-height: 1; letter-spacing: -.04em; }
.score__num span { font-size: 1.2rem; color: var(--muted); font-weight: 700; letter-spacing: 0; }
.stars--lg { margin-top: 8px; }
.stars--lg .ico { width: 22px; height: 22px; }
.score__src { font-size: .88rem; color: var(--muted); margin: 6px 0 14px; }
.reviews__track {
  display: grid; grid-auto-flow: column; grid-auto-columns: minmax(280px, 368px); gap: 18px;
  overflow-x: auto; overscroll-behavior-x: contain; scroll-snap-type: x mandatory; scroll-behavior: smooth;
  margin-left: calc(var(--gutter) * -1); margin-right: calc(50% - 50vw);
  padding: 6px calc(50vw - 50%) 10px var(--gutter); scroll-padding-left: var(--gutter);
  scrollbar-width: none;
}
.reviews__track::-webkit-scrollbar { display: none; }
.reviews__track:focus-visible { outline-offset: -3px; }
.review {
  scroll-snap-align: start; display: flex; flex-direction: column; gap: 22px;
  background: var(--white); border-radius: 20px; padding: 28px 28px 24px; border: 1px solid var(--line);
  position: relative;
}
.review::before { content: "“"; font-family: var(--font-serif); font-size: 5rem; line-height: .6; height: 28px; color: var(--amber); }
.review blockquote { font-size: 1.04rem; line-height: 1.6; color: var(--ink); flex: 1; }
.review figcaption { display: grid; gap: 2px; padding-top: 16px; border-top: 1px solid var(--line); }
.review figcaption strong { color: var(--ink); font-size: .95rem; }
.review figcaption span { font-size: .82rem; color: var(--muted); }
.review figcaption strong::after { content: "★★★★★"; margin-left: 10px; color: var(--amber); letter-spacing: 1px; font-size: .85rem; }
.reviews__controls { display: flex; gap: 10px; justify-content: flex-end; margin-top: 18px; }
.no-js .reviews__controls { display: none; }

/* ---------- About ---------- */
.milestones { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 0; margin-bottom: clamp(48px, 6vw, 80px); }
.milestones li { position: relative; padding: 30px clamp(14px, 1.8vw, 26px) 0 0; border-top: 2px solid var(--line); }
.milestones li::before { content: ""; position: absolute; top: -7px; left: 0; width: 12px; height: 12px; border-radius: 50%; background: var(--white); border: 2px solid var(--blue); }
.milestones li:last-child::before { background: var(--amber); border-color: var(--amber); }
.milestones__year { display: block; font-family: var(--font-serif); font-style: italic; font-size: clamp(2rem, 1.6rem + 1.1vw, 2.75rem); line-height: 1; color: var(--blue); margin-bottom: 12px; }
.milestones p { font-size: .94rem; line-height: 1.55; }
.leaders { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; }
.leader { display: flex; gap: 18px; align-items: flex-start; padding: 26px; border-radius: 18px; background: var(--paper); }
.leader__avatar {
  flex: none; display: grid; place-items: center; width: 58px; height: 58px; border-radius: 50%;
  background: var(--navy); color: var(--amber); font-weight: 800; letter-spacing: .02em; position: relative; overflow: hidden;
}
.leader__avatar::after { content: ""; position: absolute; inset: auto -10px -16px auto; width: 34px; height: 34px; background: var(--blue); transform: rotate(-32deg); opacity: .55; }
.leader h3 { font-size: 1.12rem; }
.leader__role { font-size: .84rem; font-weight: 700; color: var(--blue); margin: 2px 0 10px; }
.leader p:not(.leader__role) { font-size: .93rem; line-height: 1.55; }

/* ---------- Introducers ---------- */
.introducers { display: grid; grid-template-columns: auto minmax(0, 1fr) auto; gap: clamp(20px, 3vw, 44px); align-items: center; }
.introducers__icon { display: grid; place-items: center; width: 76px; height: 76px; border-radius: 20px; background: var(--white); color: var(--blue); box-shadow: var(--shadow-sm); }
.introducers__icon .ico { width: 36px; height: 36px; }
.introducers .eyebrow { margin-bottom: 10px; letter-spacing: .1em; }
.introducers h2 { font-size: clamp(1.6rem, 1.2rem + 1.4vw, 2.3rem); }
.introducers__copy p:last-child { margin-top: 10px; max-width: 70ch; }
.introducers__cta { display: grid; gap: 14px; justify-items: start; }

/* ---------- FAQ ---------- */
.faq { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); gap: clamp(32px, 6vw, 96px); align-items: start; }
.faq__head { position: sticky; top: calc(var(--header-h) + 32px); }
.faq__head .section-lead { margin-top: 18px; }
.accordion { border-top: 1px solid var(--line); }
.accordion details { border-bottom: 1px solid var(--line); }
.accordion summary {
  display: flex; justify-content: space-between; align-items: center; gap: 20px; padding: 22px 0;
  font-weight: 720; font-size: 1.1rem; color: var(--ink); cursor: pointer; list-style: none; letter-spacing: -.01em;
}
.accordion summary::-webkit-details-marker { display: none; }
.accordion summary:hover { color: var(--blue); }
.accordion summary .ico { width: 22px; height: 22px; padding: 3px; border-radius: 50%; background: var(--sky); color: var(--navy); transition: transform .25s var(--ease), background .2s; }
.accordion details[open] summary .ico { transform: rotate(180deg); background: var(--amber); }
.accordion__body { padding: 0 48px 24px 0; display: grid; gap: 12px; }
.accordion details[open] .accordion__body { animation: fadeUp .35s var(--ease); }

/* ---------- Closing CTA ---------- */
.closer { --focus: var(--navy); background: var(--amber); color: var(--navy); padding: clamp(64px, 8vw, 112px) 0; position: relative; overflow: hidden; isolation: isolate; }
.closer__mark { position: absolute; z-index: -1; bottom: -2px; left: calc(50% - 760px); width: 760px; height: 498px; fill: var(--navy); opacity: .07; }
.closer__inner { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); gap: clamp(32px, 6vw, 96px); align-items: center; }
.closer h2 { color: var(--navy); font-size: clamp(2.3rem, 1.4rem + 3.4vw, 4.2rem); max-width: 14ch; }
.closer h2 em { color: var(--navy); }
.closer__copy > p { margin-top: 18px; font-size: clamp(1.06rem, 1rem + .3vw, 1.2rem); max-width: 46ch; color: var(--navy); }
.closer__phone { display: inline-flex; align-items: center; gap: 14px; margin-top: 30px; font-size: clamp(2rem, 1.4rem + 2.2vw, 3.1rem); font-weight: 800; letter-spacing: -.035em; color: var(--navy); text-decoration: none; }
.closer__phone .ico { width: .8em; height: .8em; }
.closer__phone:hover { color: var(--navy-700); text-decoration: underline; text-decoration-thickness: 3px; text-underline-offset: 6px; }
.closer__hours { display: flex; flex-wrap: wrap; gap: 8px 16px; align-items: center; margin-top: 10px; font-size: .92rem; font-weight: 600; }
.status--dark { color: var(--navy); font-size: .84rem; }
.status--dark .status__dot { background: rgba(5, 47, 73, .35); }
.callback { --focus: var(--blue); background: var(--white); border-radius: 22px; padding: clamp(24px, 3vw, 34px); box-shadow: 0 30px 60px -30px rgba(5, 47, 73, .55); color: var(--text); }
.callback__title { font-size: 1.35rem; font-weight: 780; color: var(--ink); letter-spacing: -.02em; margin-bottom: 16px; }
.callback .btn { margin-top: 6px; }
.callback .consent { margin: 14px 0 0; text-align: center; }

/* ---------- Footer ---------- */
.site-footer { background: var(--paper); padding: clamp(56px, 7vw, 88px) 0 28px; font-size: .92rem; color: var(--text); }
.footer__top { display: grid; grid-template-columns: minmax(0, 1.4fr) repeat(3, minmax(0, .9fr)) minmax(0, 1.25fr); gap: 36px clamp(20px, 3vw, 40px); padding-bottom: 44px; border-bottom: 1px solid var(--line-strong); }
.footer__brand img { width: 190px; }
.footer__brand p { margin-top: 18px; max-width: 34ch; color: var(--muted); }
.socials { display: flex; gap: 10px; margin-top: 20px; }
.socials a { display: grid; place-items: center; width: 44px; height: 44px; border-radius: 50%; background: var(--navy); color: #fff; transition: background .2s, transform .2s var(--ease); }
.socials a:hover { background: var(--blue); transform: translateY(-2px); }
.socials .ico { width: 20px; height: 20px; }
.footer__heading { font-weight: 800; color: var(--ink); font-size: .82rem; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 14px; }
.footer__col ul { display: grid; gap: 9px; }
.footer__col a { color: var(--text); text-decoration: none; }
.footer__col a:hover { color: var(--blue); text-decoration: underline; }
.footer__contact li { display: grid; gap: 1px; }
.footer__contact li span { font-size: .78rem; color: var(--muted); }
.footer__contact li a { font-weight: 760; color: var(--navy); font-size: 1.02rem; }
.footer__hours, .footer__address { display: flex; gap: 10px; align-items: flex-start; margin-top: 16px; font-size: .86rem; color: var(--muted); line-height: 1.5; }
.footer__hours .ico, .footer__address .ico { width: 18px; height: 18px; margin-top: 1px; color: var(--blue); }
.footer__legal { padding-top: 28px; display: grid; gap: 12px; font-size: .8rem; line-height: 1.6; color: var(--muted); }
.footer__legal a { color: var(--muted); }
.footer__risk { font-weight: 800; color: var(--navy); font-size: .86rem; text-transform: uppercase; letter-spacing: .02em; }
.footer__bottom { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; padding-top: 18px; margin-top: 8px; border-top: 1px solid var(--line); }
.footer__bottom ul { display: flex; gap: 18px; flex-wrap: wrap; }

/* ---------- Mobile action bar ---------- */
.action-bar { display: none; }

/* ---------- Reveal & hero motion ---------- */
.js .reveal { opacity: 0; transform: translateY(18px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.js .reveal.is-in { opacity: 1; transform: none; }
.js .hm-b, .js .hm-r { opacity: 0; transform: translateY(6px); animation: band .9s var(--ease) forwards; }
.js .hm-face { transform-box: fill-box; transform-origin: 50% 100%; transform: scaleY(0); animation: rise 1.1s .05s var(--ease) forwards; }
.js .hm-3 { animation-delay: .25s; }
.js .hm-2 { animation-delay: .4s; }
.js .hm-1 { animation-delay: .55s; }
.js .hm-r.hm-3 { animation-delay: .35s; }
.js .hm-r.hm-2 { animation-delay: .5s; }
.js .hm-r.hm-1 { animation-delay: .65s; }
@keyframes band { to { opacity: 1; transform: none; } }
@keyframes rise { to { transform: none; } }
.js .hero__copy, .js .hero__meta, .js .hero__form { animation: fadeUp .8s var(--ease) both; }
.js .hero__meta { animation-delay: .12s; }
.js .hero__form { animation-delay: .2s; }

/* ==========================================================================
   Responsive
   ========================================================================== */
@media (max-width: 1180px) {
  .nav__list a { padding: 10px 9px; font-size: .9rem; }
  .header__inner { gap: 18px; }
  .brand img { width: 196px; }
  .footer__top { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .footer__brand { grid-column: 1 / -1; display: grid; grid-template-columns: auto 1fr auto; gap: 24px; align-items: center; }
  .footer__brand p, .socials { margin-top: 0; }
  .footer__contact { grid-column: 1 / -1; }
  .footer__contact ul { grid-template-columns: repeat(4, auto); justify-content: start; gap: 12px 36px; }
}

@media (max-width: 1080px) {
  :root { --header-h: 68px; }
  .nav, .header__quote { display: none; }
  .header__actions { margin-left: auto; gap: 10px; }
  .menu-toggle { display: inline-grid; }
  .utility__tag { display: none; }
  .utility__inner { justify-content: center; }

  .hero__grid { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); }
  .hero__mark { left: calc(75% - .47 * var(--mark-w)); }
  .products { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .proof__list { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .proof__list li:nth-child(4) { border-left: 0; padding-left: 0; }
  .proof__list li:nth-child(n + 4) { border-top: 1px solid var(--line); }
  .how { grid-template-columns: 1fr; }
  .fees { position: relative; top: auto; }
  .calc { grid-template-columns: 1fr; }
  .calc__intro { display: grid; grid-template-columns: 1fr 1fr; gap: 0 48px; align-items: start; }
  .calc__intro .eyebrow, .calc__intro h2, .calc__intro .section-lead { grid-column: 1; }
  .calc__glossary { grid-column: 2; grid-row: 1 / span 3; margin-top: 0; }
  .milestones { grid-template-columns: repeat(3, minmax(0, 1fr)); row-gap: 36px; }
  .leaders { grid-template-columns: 1fr; }
  .leader { max-width: 720px; }
}

@media (max-width: 860px) {
  body { font-size: 1rem; }
  .utility { display: none; }
  .header__phone { display: none; }
  .header__call-icon { display: inline-grid; background: var(--amber); color: var(--navy); }
  .brand img { width: 176px; }

  .hero { padding-bottom: 0; }
  .hero__grid { grid-template-columns: 1fr; grid-template-areas: "copy" "form" "meta"; }
  .hero h1 { max-width: 13ch; }
  .hero__form { margin-top: 30px; }
  .hero__meta { padding: 34px 0 calc(var(--hero-mark-w) / 2.556 + 28px); }
  .hero { --hero-mark-w: max(520px, 120vw); }
  .hero__mark { --mark-w: var(--hero-mark-w); left: calc(50% - .47 * var(--mark-w)); }
  .ticks { margin-top: 0; }

  .section-head--split, .reviews-head, .faq, .closer__inner { grid-template-columns: 1fr; }
  .why__mark { display: none; }
  .closer__mark { width: 520px; height: 340px; left: -40px; opacity: .06; }
  .section-head--split { align-items: start; }
  .faq__head { position: static; }
  .proof__list { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .proof__list li { padding: 22px 16px 22px 0; }
  .proof__list li + li { border-left: 0; }
  .proof__list li:nth-child(even) { border-left: 1px solid var(--line); padding-left: 18px; }
  .proof__list li:nth-child(n + 3) { border-top: 1px solid var(--line); }
  .proof__list li:nth-child(4) { padding-left: 18px; }
  .proof__list li:last-child { grid-column: 1 / -1; }
  .steps-list { grid-template-columns: 1fr; gap: 32px; }
  .calc__intro { display: block; }
  .calc__glossary { margin-top: 24px; }
  .calc__tool { grid-template-columns: 1fr; }
  .why { grid-template-columns: 1fr 1fr; }
  .why li, .why li:not(:nth-child(3n + 1)) { padding: 28px 18px 30px 0; border-left: 0; }
  .why li:nth-child(even) { padding-left: 18px; border-left: 1px solid rgba(255, 255, 255, .14); }
  .score { justify-self: start; }
  .milestones { grid-template-columns: 1fr 1fr; }
  .introducers { grid-template-columns: 1fr; }
  .introducers__icon { display: none; }
  .honest { flex-direction: column; align-items: flex-start; gap: 12px; }
  .footer__brand { grid-template-columns: 1fr; gap: 16px; }
  .footer__contact ul { grid-template-columns: 1fr 1fr; }

  .action-bar {
    display: grid; grid-template-columns: 1fr 1.3fr; gap: 8px;
    position: fixed; z-index: 60; left: 0; right: 0; bottom: 0;
    padding: 10px 12px calc(10px + env(safe-area-inset-bottom));
    background: rgba(255, 255, 255, .96); -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px);
    border-top: 1px solid var(--line); box-shadow: 0 -10px 30px -18px rgba(5, 47, 73, .5);
    transform: translateY(110%); transition: transform .35s var(--ease);
  }
  .action-bar.is-visible { transform: none; }
  .action-bar a { display: flex; align-items: center; justify-content: center; gap: 8px; min-height: 50px; border-radius: 12px; font-weight: 760; text-decoration: none; }
  .action-bar .ico { width: 18px; height: 18px; }
  .action-bar__call { background: var(--navy); color: #fff; }
  .action-bar__quote { background: var(--amber); color: var(--navy); }
  .site-footer { padding-bottom: 96px; }
}

@media (max-width: 600px) {
  .field-row { grid-template-columns: 1fr; }
  .products { grid-template-columns: 1fr; }
  .product { padding: 22px 20px; }
  .audience__tabs { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); width: 100%; }
  .audience__tab { padding: 10px 8px; font-size: .84rem; line-height: 1.25; white-space: normal; }
  .product { display: grid; grid-template-columns: 40px minmax(0, 1fr); column-gap: 16px; row-gap: 6px; padding: 20px 18px; }
  .product__icon { grid-row: 1 / span 3; width: 40px; height: 40px; margin: 2px 0 0; }
  .product p.product__fact { padding-top: 4px; }
  .product__arrow { display: none; }
  .milestones li { padding-top: 22px; }
  .milestones__year { font-size: 2rem; margin-bottom: 6px; }
  .why { grid-template-columns: 1fr; }
  .why li:nth-child(even) { padding-left: 0; border-left: 0; }
  .milestones { grid-template-columns: 1fr; }
  .milestones li { padding-right: 0; }
  .calc__more-body { grid-template-columns: 1fr; }
  .footer__top { grid-template-columns: 1fr 1fr; }
  .footer__contact ul { grid-template-columns: 1fr; }
  .accordion__body { padding-right: 0; }
  .reviews__track { grid-auto-columns: 86%; }
  .hero__proof li + li::before { display: none; }
  .hero__proof { gap: 10px 18px; }
}

.no-motion *, .no-motion *::before, .no-motion *::after { animation: none !important; transition: none !important; }
.no-motion .hm-b, .no-motion .hm-r { opacity: 1 !important; transform: none !important; }
.no-motion .hm-face { transform: none !important; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .001ms !important; animation-delay: 0s !important; transition-duration: .001ms !important; }
  .js .reveal { opacity: 1; transform: none; }
}

@media print {
  .utility, .site-header, .action-bar, .hero__art, .enquiry, .callback, .reviews__controls { display: none !important; }
  .hero, .section--navy, .closer { background: none !important; color: #000 !important; }
  .hero h1, .section--navy h2, .section--navy h3 { color: #000 !important; }
}

/* ==========================================================================
   Thank-you and 404 pages
   ========================================================================== */
.header__actions--simple { margin-left: auto; }
.hero--thanks { padding: clamp(56px, 7vw, 104px) 0 clamp(150px, 16vw, 220px); }
.hero--thanks .hero__mark { --mark-w: clamp(460px, 48vw, 720px); left: auto; right: calc(50% - min(720px, 50vw) - 60px); }
.thanks__intro { max-width: calc(var(--container) + var(--gutter) * 2); }
.thanks__intro h1 { max-width: 14ch; }
.thanks__intro .lead { max-width: 52ch; }
.thanks__grid { display: grid; grid-template-columns: minmax(0, 1.4fr) minmax(0, 1fr); gap: clamp(32px, 5vw, 80px); align-items: start; }
.thanks__grid h2 { margin-bottom: clamp(28px, 3.5vw, 44px); }
.steps-list--thanks { grid-template-columns: 1fr; gap: 30px; }
.checklist { background: var(--paper); border-radius: 22px; padding: clamp(24px, 3vw, 36px); }
.checklist h3 { font-size: 1.3rem; margin-bottom: 18px; }
.checklist ul { display: grid; gap: 12px; margin-bottom: 18px; }
.checklist li { display: flex; gap: 12px; align-items: flex-start; font-size: .98rem; }
.checklist li .ico { width: 22px; height: 22px; padding: 4px; margin-top: 1px; border-radius: 50%; background: var(--amber); color: var(--navy); }
.checklist > p { font-size: .9rem; color: var(--muted); }
.thanks__back { margin-top: clamp(40px, 5vw, 64px); }
.thanks__back .btn-text .ico { order: -1; }
.site-footer--slim { padding-top: 44px; }
.footer__slim { display: flex; align-items: center; justify-content: space-between; gap: 24px; padding-bottom: 28px; border-bottom: 1px solid var(--line-strong); }
.footer__slim img { width: 150px; }
.footer__slim .socials { margin-top: 0; }
.notfound__actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 34px; }
.notfound__actions .btn--outline { --btn-fg: #fff; --btn-bg-hover: rgba(255, 255, 255, .08); border-color: rgba(255, 255, 255, .35); }
@media (max-width: 860px) {
  .thanks__grid { grid-template-columns: 1fr; }
  .hero--thanks .hero__mark { --mark-w: 120vw; right: -30vw; }
  .hero--thanks { padding-bottom: calc(120vw / 2.556 + 32px); }
  .site-footer--slim { padding-bottom: 32px; }
}