/* ===========================================================================
   Smooth Financial Group — design system
   Faithful rebuild of the approved design, recoloured to brand blue #2107ec.
   Single source of truth for colours, type and components across all pages.
   =========================================================================== */

:root {
  /* Neutrals (warm off-white theme) */
  --bg:        #FBFAF7;
  --surface:   #ffffff;
  --surface-2: #F7F6F3;
  --ink:       #14110F;
  --ink-2:     #3D3832;
  --muted:     #6B655D;
  --muted-2:   #8A847B;
  --line:      #ECE8E0;
  --line-2:    #E7E3DB;

  /* Dark panels (hero / cards / CTA / footer) */
  --dark:   #0D0C0B;
  --dark-2: #14110F;

  /* On-dark text */
  --on-dark:   #F7F6F3;
  --on-dark-2: #B7B2AB;
  --on-dark-3: #9C968E;
  --on-dark-4: #D7D3CC;

  /* ---- Brand blue (replaces the original mint green) ---- */
  --brand:        #2107ec;   /* primary  (was #12B76A) */
  --brand-deep:   #1a05bd;   /* darker, hover on light */
  --brand-bright: #5b46ff;   /* accent   (was #34E29A) */
  --brand-ink:    #ffffff;   /* text on brand buttons (was #06281A) */
  --brand-tint:   #ECEAFE;   /* light fill (was #F1F6F3) */
  --brand-tint-2: #DAD5FF;   /* tint border (was #CFE9DC) */
  --brand-rgb:    33, 7, 236;
  --brand-bright-rgb: 91, 70, 255;

  --radius: 24px;
  --radius-lg: 32px;
  --shadow: 0 30px 70px -30px rgba(0,0,0,0.6);
  --shadow-card: 0 18px 40px -28px rgba(20,17,15,0.35);
  --maxw: 1240px;
  --ease: cubic-bezier(.2,.7,.2,1);
  --font: 'Hanken Grotesk', system-ui, -apple-system, BlinkMacSystemFont, sans-serif;
  --display: 'Space Grotesk', var(--font);
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  font-family: var(--font);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.55;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

img { max-width: 100%; display: block; }
a { color: inherit; }
::selection { background: var(--brand); color: #fff; }
input[type=range] { accent-color: var(--brand); }

/* ---------------------------------------------------------------- Layout */
.container { max-width: var(--maxw); margin: 0 auto; padding: 0 28px; }
.section { padding: 64px 0; }
.section--tight { padding: 44px 0; }
.narrow { max-width: 760px; }

.eyebrow {
  font-size: 12px; letter-spacing: 0.18em; text-transform: uppercase;
  color: var(--brand); font-weight: 600; margin-bottom: 14px;
}
.eyebrow--bright { color: var(--brand-bright); }

h1, h2, h3 { font-family: var(--display); letter-spacing: -0.025em; line-height: 1.05; }
.display-1 { font-weight: 700; font-size: clamp(40px, 5.4vw, 70px); line-height: 1.0; letter-spacing: -0.035em; }
.display-2 { font-weight: 600; font-size: clamp(30px, 4vw, 46px); line-height: 1.04; }
.display-3 { font-weight: 600; font-size: clamp(26px, 3vw, 34px); }
.lead { font-size: 18px; line-height: 1.6; color: var(--muted); }

.grid { display: grid; gap: 20px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

.section-head {
  display: flex; align-items: flex-end; justify-content: space-between;
  gap: 30px; margin-bottom: 42px; flex-wrap: wrap;
}
.section-head p { color: var(--muted); font-size: 16px; line-height: 1.6; max-width: 360px; }

/* ---------------------------------------------------------------- Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  text-decoration: none; font-weight: 700; font-size: 15.5px;
  padding: 15px 26px; border-radius: 999px; border: 1px solid transparent;
  cursor: pointer; transition: background .25s var(--ease), color .2s, transform .25s var(--ease), border-color .2s;
  white-space: nowrap;
}
.btn:active { transform: translateY(1px); }
.btn--brand { background: var(--brand); color: var(--brand-ink); }
.btn--brand:hover { background: var(--brand-bright); }
.btn--dark { background: var(--ink); color: #fff; font-weight: 600; }
.btn--dark:hover { background: var(--brand); }
.btn--ghost { background: var(--surface); border-color: var(--line-2); color: var(--ink-2); font-weight: 600; }
.btn--ghost:hover { border-color: var(--brand); color: var(--brand); }
.btn--ghost-dark {
  background: rgba(255,255,255,0.07); border-color: rgba(255,255,255,0.16);
  color: var(--on-dark); font-weight: 600;
}
.btn--ghost-dark:hover { background: rgba(255,255,255,0.14); }
.btn--sm { padding: 11px 20px; font-size: 14px; }
.btn--block { width: 100%; }

/* ---------------------------------------------------------------- Header */
.site-header {
  position: sticky; top: 0; z-index: 60;
  background: rgba(251,250,247,0.82);
  backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--line);
}
.site-header .container {
  display: flex; align-items: center; justify-content: space-between;
  gap: 24px; padding-top: 12px; padding-bottom: 12px;
}
.brand { display: flex; align-items: center; gap: 11px; text-decoration: none; }
.brand img { height: 30px; width: auto; }

.main-nav { display: flex; gap: 28px; align-items: center; font-size: 14.5px; font-weight: 500; color: var(--ink-2); }
.main-nav a { color: inherit; text-decoration: none; transition: color .2s; padding: 6px 0; }
.main-nav a:hover, .main-nav a.is-active { color: var(--brand); }

/* dropdown */
.has-drop { position: relative; }
.has-drop > a::after { content: "▾"; font-size: 10px; margin-left: 5px; opacity: .6; }
/* transparent bridge over the 14px gap so hover stays continuous link -> panel */
.has-drop::after { content: ""; position: absolute; top: 100%; left: -16px; right: -16px; height: 24px; }
.drop {
  position: absolute; top: calc(100% + 14px); left: 50%; transform: translateX(-50%) translateY(8px);
  background: var(--surface); border: 1px solid var(--line);
  border-radius: 18px; padding: 14px; min-width: 460px;
  box-shadow: 0 24px 50px -24px rgba(20,17,15,0.35);
  opacity: 0; visibility: hidden; transition: opacity .2s, transform .2s var(--ease);
  display: grid; grid-template-columns: 1fr 1fr; gap: 6px 22px;
}
.has-drop:hover .drop, .has-drop:focus-within .drop { opacity: 1; visibility: visible; transform: translateX(-50%) translateY(0); }
.drop-col-title {
  grid-column: span 1; font-size: 11px; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--muted-2); font-weight: 700; padding: 8px 12px 4px;
}
.drop a {
  display: block; padding: 9px 12px; border-radius: 10px; font-size: 14px; font-weight: 500;
  color: var(--ink-2); transition: background .15s, color .15s;
}
.drop a:hover { background: var(--brand-tint); color: var(--brand); }
.header-cta { display: flex; gap: 14px; align-items: center; }
.header-phone { color: var(--ink-2); text-decoration: none; font-size: 14.5px; font-weight: 600; }
.header-phone:hover { color: var(--brand); }

/* mobile nav */
.nav-toggle { display: none; background: none; border: 0; cursor: pointer; padding: 8px; }
.nav-toggle span { display: block; width: 22px; height: 2px; background: var(--ink); margin: 4px 0; transition: .3s; border-radius: 2px; }
.nav-toggle.is-open span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
.nav-toggle.is-open span:nth-child(2) { opacity: 0; }
.nav-toggle.is-open span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }

/* ---------------------------------------------------------------- Hero (home) */
.hero { padding: 26px; }
.hero-panel {
  position: relative; max-width: var(--maxw); margin: 0 auto;
  background: var(--dark); border-radius: var(--radius-lg); overflow: hidden; min-height: 640px;
}
#hero-canvas { position: absolute; inset: 0; width: 100%; height: 100%; display: block; }
.hero-glow {
  position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(110% 90% at 82% 8%, rgba(var(--brand-rgb),0.22), transparent 58%);
}
.hero-fade {
  position: absolute; inset: 0; pointer-events: none;
  background: linear-gradient(180deg, rgba(13,12,11,0) 55%, rgba(13,12,11,0.45) 100%);
}
.hero-grid {
  position: relative; display: grid; grid-template-columns: 1.25fr 0.75fr;
  gap: 48px; align-items: center; padding: 66px 58px;
}
.badge {
  display: inline-flex; align-items: center; gap: 9px; padding: 7px 14px; border-radius: 999px;
  border: 1px solid rgba(255,255,255,0.16); background: rgba(255,255,255,0.05);
  color: var(--on-dark-4); font-size: 12.5px; font-weight: 500; margin-bottom: 26px;
}
.badge .dot { width: 7px; height: 7px; border-radius: 999px; background: var(--brand-bright); box-shadow: 0 0 0 3px rgba(var(--brand-rgb),0.25); }
.hero h1 { color: var(--on-dark); margin: 0 0 22px; }
.hero h1 em { color: var(--brand-bright); font-style: italic; }
.hero-sub { font-size: 18px; line-height: 1.6; color: var(--on-dark-2); max-width: 480px; margin: 0 0 32px; }
.hero-actions { display: flex; gap: 14px; align-items: center; flex-wrap: wrap; margin-bottom: 34px; }

.avatars { display: flex; }
.avatars span {
  width: 38px; height: 38px; border-radius: 999px; border: 2px solid var(--dark);
  display: flex; align-items: center; justify-content: center; font-size: 13px; font-weight: 700; margin-left: -12px;
}
.avatars span:first-child { margin-left: 0; }
.av-a { background: #2a1fb0; color: #DAD5FF; }
.av-b { background: #3A5A7A; color: #D7E6F5; }
.av-c { background: #7A5A3A; color: #F5E6D7; }
.av-d { background: #5A3A6B; color: #EBD7F5; }
.stars { color: var(--brand-bright); letter-spacing: 2px; }
.hero-rating { display: flex; align-items: center; gap: 16px; }
.hero-rating .sub { color: var(--on-dark-3); font-size: 13px; margin-top: 2px; }
.hero-social { display: flex; align-items: center; gap: 18px 26px; flex-wrap: wrap; }
.hero-social .gbadge { flex: none; }

/* floating rate card */
.float-card { animation: floatY 7s ease-in-out infinite; }
.rate-card {
  background: rgba(255,255,255,0.055); backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px);
  border: 1px solid rgba(255,255,255,0.13); border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow);
}
.rate-card .row { display: flex; align-items: center; justify-content: space-between; }
.rate-card .label { color: var(--on-dark-3); font-size: 12.5px; font-weight: 500; }
.rate-chip {
  display: inline-flex; align-items: center; gap: 5px; background: rgba(var(--brand-rgb),0.18);
  color: var(--brand-bright); font-size: 12px; font-weight: 700; padding: 4px 9px; border-radius: 999px;
}
.rate-big { display: flex; align-items: baseline; gap: 8px; margin: 8px 0 14px; }
.rate-big b { font-family: var(--display); font-weight: 700; font-size: 44px; letter-spacing: -0.03em; color: var(--on-dark); }
.rate-big span { color: var(--on-dark-3); font-size: 13px; }
#spark-canvas { width: 100%; height: 96px; display: block; }
.rate-foot {
  display: flex; align-items: center; justify-content: space-between; margin-top: 14px;
  padding-top: 14px; border-top: 1px solid rgba(255,255,255,0.1); font-size: 12.5px;
}
.rate-foot .a { color: var(--on-dark-3); }
.rate-foot .b { color: var(--on-dark-4); font-weight: 600; }

/* ---------------------------------------------------------------- Stats */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; }
.stat { border-left: 1px solid var(--line-2); padding-left: 22px; }
.stat .num { font-family: var(--display); font-weight: 700; font-size: 46px; letter-spacing: -0.03em; line-height: 1; color: var(--ink); }
.stat .cap { color: var(--muted); font-size: 14.5px; margin-top: 10px; }

/* ---------------------------------------------------------------- Service cards */
.services { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 20px; }
.svc { border-radius: var(--radius); padding: 30px; display: flex; flex-direction: column; justify-content: space-between; min-height: 340px; transition: transform .4s var(--ease), box-shadow .4s var(--ease); text-decoration: none; }
.svc:hover { transform: translateY(-6px); }
.svc-top { display: flex; align-items: center; justify-content: space-between; }
.svc-num { font-size: 12px; letter-spacing: 0.16em; text-transform: uppercase; font-weight: 600; }
.svc-arrow { width: 40px; height: 40px; border-radius: 999px; display: flex; align-items: center; justify-content: center; font-size: 18px; transition: transform .3s var(--ease); }
.svc:hover .svc-arrow { transform: translate(3px, -3px); }
.svc h3 { margin: 20px 0 10px; font-size: 24px; letter-spacing: -0.02em; }
.svc p { font-size: 15px; line-height: 1.6; margin: 0; }
.svc--dark { background: var(--dark); color: var(--on-dark); padding: 34px; box-shadow: var(--shadow); }
.svc--dark h3 { font-size: 27px; }
.svc--dark p { color: var(--on-dark-2); }
.svc--dark .svc-num { color: var(--brand-bright); }
.svc--dark .svc-arrow { background: rgba(var(--brand-bright-rgb),0.16); color: var(--brand-bright); }
.svc--light { background: var(--surface); border: 1px solid var(--line); }
.svc--light h3 { color: var(--ink); }
.svc--light p { color: var(--muted); }
.svc--light .svc-num { color: var(--brand); }
.svc--light .svc-arrow { background: var(--brand-tint); color: var(--brand); }
.pill-row { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 24px; }
.pill { font-size: 13px; padding: 7px 13px; border-radius: 999px; }
.pill--dark { border: 1px solid rgba(255,255,255,0.14); color: var(--on-dark-4); }
.pill--link { text-decoration: none; border: 1px solid var(--line-2); color: var(--ink-2); transition: background .18s, border-color .18s, color .18s; }
.pill--link:hover { background: var(--brand-tint); border-color: var(--brand); color: var(--brand); }

/* products hub: static card, linked header */
.svc--static { transition: none; }
.svc--static:hover { transform: none; }
.svc-head { text-decoration: none; color: inherit; display: block; }
.svc-head:hover h3 { color: var(--brand); }
.svc-head:hover .svc-arrow { transform: translate(3px, -3px); }

/* linked feature cards */
.feature-card--link { text-decoration: none; color: inherit; display: flex; flex-direction: column; }
.feature-go { margin-top: 14px; color: var(--brand); font-weight: 600; font-size: 14px; transition: transform .2s var(--ease); }
.feature-card--link:hover .feature-go { transform: translateX(3px); }
.check-list { display: flex; flex-direction: column; gap: 11px; margin-top: 24px; }
.check-list div { display: flex; align-items: center; gap: 10px; color: var(--ink-2); font-size: 14.5px; }
.check-list .ic { color: var(--brand); font-weight: 700; }

/* ---------------------------------------------------------------- Calculator */
.calc-wrap { padding: 30px 26px 64px; }
.calc {
  max-width: var(--maxw); margin: 0 auto; background: var(--dark-2); border-radius: 30px;
  padding: 52px 50px; color: var(--on-dark);
}
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.calc h2 { margin: 0 0 30px; font-size: clamp(28px, 3.4vw, 40px); }
.sliders { display: flex; flex-direction: column; gap: 22px; }
.slider .top { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 9px; }
.slider .top .k { color: var(--on-dark-2); font-size: 14px; }
.slider .top .v { font-family: var(--display); font-weight: 600; font-size: 17px; }
.slider input[type=range] { width: 100%; height: 5px; cursor: pointer; }
.slider-2col { display: grid; grid-template-columns: 1fr 1fr; gap: 26px; }

.dial { display: flex; flex-direction: column; align-items: center; }
.dial-ring { position: relative; width: 212px; height: 212px; }
.dial-ring svg { transform: rotate(-90deg); display: block; }
.dial-center { position: absolute; inset: 0; display: flex; flex-direction: column; align-items: center; justify-content: center; }
.dial-center .k { color: var(--on-dark-3); font-size: 12.5px; letter-spacing: 0.04em; }
.dial-center .v { font-family: var(--display); font-weight: 700; font-size: 34px; letter-spacing: -0.03em; color: var(--on-dark); }
.dial-legend { display: flex; gap: 24px; margin-top: 24px; }
.dial-legend > div { display: flex; align-items: center; gap: 8px; color: var(--on-dark-2); font-size: 13.5px; }
.swatch { width: 11px; height: 11px; border-radius: 3px; }
.swatch--brand { background: var(--brand); }
.swatch--muted { background: rgba(255,255,255,0.22); }
.dial-sub { margin-top: 14px; color: #7C766E; font-size: 12.5px; }
.calc-note { margin: 18px 0 0; color: #7C766E; font-size: 12.5px; line-height: 1.6; }
.calc-cta { display: flex; align-items: center; justify-content: space-between; gap: 16px 24px; flex-wrap: wrap; margin-top: 30px; padding-top: 26px; border-top: 1px solid rgba(255,255,255,0.1); }
.calc-cta span { color: var(--on-dark-2); font-size: 15px; max-width: 540px; }

/* ---------------------------------------------------------------- Steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.step { background: var(--surface); border: 1px solid var(--line); border-radius: 22px; padding: 30px; }
.step .n { font-family: var(--display); font-weight: 700; font-size: 15px; color: var(--brand); border: 1px solid var(--brand-tint-2); width: 42px; height: 42px; border-radius: 999px; display: flex; align-items: center; justify-content: center; margin-bottom: 22px; }
.step h3 { font-size: 20px; letter-spacing: -0.01em; margin: 0 0 9px; }
.step p { color: var(--muted); font-size: 15px; line-height: 1.6; margin: 0; }

/* ---------------------------------------------------------------- Marquee */
.marquee-label { text-align: center; color: var(--muted-2); font-size: 13px; letter-spacing: 0.04em; margin-bottom: 24px; }
.marquee {
  position: relative; overflow: hidden;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 12%, #000 88%, transparent);
  mask-image: linear-gradient(90deg, transparent, #000 12%, #000 88%, transparent);
}
.marquee-track { display: flex; gap: 14px; width: max-content; animation: marqueeScroll 34s linear infinite; }
.lender { white-space: nowrap; border: 1px solid var(--line-2); background: var(--surface); color: var(--ink-2); font-size: 15px; font-weight: 600; padding: 12px 22px; border-radius: 999px; }

/* ---------------------------------------------------------------- Reviews */
.reviews-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.review { background: var(--surface); border: 1px solid var(--line); border-radius: 22px; padding: 30px; display: flex; flex-direction: column; gap: 18px; }
.review .stars { color: var(--brand); font-size: 16px; letter-spacing: 2px; }
.review p { font-size: 16px; line-height: 1.62; color: #28241F; margin: 0; flex: 1; }
.review .who { display: flex; align-items: center; gap: 12px; }
.review .who .ava { width: 40px; height: 40px; border-radius: 999px; display: flex; align-items: center; justify-content: center; font-size: 14px; font-weight: 700; }
.review .who .name { font-weight: 600; font-size: 14.5px; }
.review .who .meta { color: var(--muted-2); font-size: 13px; }

/* ---------------------------------------------------------------- CTA band */
.cta-band { padding: 30px 26px 70px; }
.cta-inner {
  position: relative; max-width: var(--maxw); margin: 0 auto; background: var(--dark);
  border-radius: 30px; overflow: hidden; padding: 64px 56px;
}
.cta-inner::before {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(90% 120% at 90% 0%, rgba(var(--brand-rgb),0.20), transparent 55%);
}
.cta-row { position: relative; display: flex; align-items: center; justify-content: space-between; gap: 40px; flex-wrap: wrap; }
.cta-row h2 { color: var(--on-dark); font-weight: 700; font-size: clamp(32px, 4.4vw, 52px); letter-spacing: -0.03em; line-height: 1.02; margin: 0 0 18px; }
.cta-row p { color: var(--on-dark-2); font-size: 17px; line-height: 1.6; margin: 0; max-width: 560px; }
.cta-actions { display: flex; flex-direction: column; gap: 14px; min-width: 260px; }

/* ---------------------------------------------------------------- Footer */
.site-footer { background: var(--dark-2); color: var(--on-dark-2); }
.site-footer .container { padding-top: 56px; padding-bottom: 28px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr; gap: 40px; padding-bottom: 40px; border-bottom: 1px solid rgba(255,255,255,0.1); }
.footer-brand { display: flex; align-items: center; gap: 11px; margin-bottom: 18px; text-decoration: none; }
.footer-brand img { height: 28px; filter: brightness(0) invert(1); }
.footer-disc { font-size: 13.5px; line-height: 1.7; max-width: 440px; margin: 0; }
.footer-col-title { color: var(--on-dark); font-weight: 600; font-size: 14px; margin-bottom: 16px; }
.footer-links { display: flex; flex-direction: column; gap: 11px; font-size: 14px; }
.footer-links a, .footer-links span { color: var(--on-dark-2); text-decoration: none; line-height: 1.6; }
.footer-links a:hover { color: var(--brand-bright); }
.risk-note { background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.08); border-radius: 14px; padding: 16px 20px; margin: 24px 0; font-size: 13px; font-weight: 600; color: var(--on-dark-4); letter-spacing: 0.02em; }
.footer-base { display: flex; align-items: center; justify-content: space-between; gap: 20px; flex-wrap: wrap; font-size: 12.5px; color: #7C766E; }

/* ---------------------------------------------------------------- Page hero (inner pages) */
.page-hero { padding: 26px 26px 0; }
.page-hero-inner {
  position: relative; max-width: var(--maxw); margin: 0 auto; overflow: hidden;
  background: var(--dark); border-radius: var(--radius-lg);
  padding: 64px 58px; color: var(--on-dark);
}
.page-hero-inner::before {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(100% 120% at 88% 0%, rgba(var(--brand-rgb),0.28), transparent 55%);
}
.page-hero-inner::after {
  content: ""; position: absolute; left: -10%; bottom: -40%; width: 60%; height: 120%; pointer-events: none;
  background: radial-gradient(closest-side, rgba(var(--brand-bright-rgb),0.16), transparent);
}
.page-hero .inner { position: relative; max-width: 760px; }
.page-hero h1 { color: var(--on-dark); margin: 14px 0 18px; font-size: clamp(34px, 4.6vw, 56px); letter-spacing: -0.03em; }
.page-hero p { color: var(--on-dark-2); font-size: 18px; line-height: 1.6; max-width: 620px; }
.page-hero .hero-actions { margin-top: 30px; margin-bottom: 0; }
.breadcrumb { font-size: 13px; color: var(--on-dark-3); }
.breadcrumb a { color: var(--on-dark-3); text-decoration: none; }
.breadcrumb a:hover { color: var(--brand-bright); }
.breadcrumb span { margin: 0 7px; opacity: .5; }

/* ---------------------------------------------------------------- Prose / content */
.prose { max-width: 760px; }
.prose > * + * { margin-top: 18px; }
.prose h2 { font-size: clamp(26px, 3vw, 36px); margin-top: 14px; }
.prose h3 { font-size: 22px; margin-top: 28px; }
.prose p { color: var(--ink-2); font-size: 16.5px; line-height: 1.7; }
.prose ul { padding-left: 0; list-style: none; display: flex; flex-direction: column; gap: 12px; }
.prose ul li { position: relative; padding-left: 30px; color: var(--ink-2); font-size: 16px; line-height: 1.6; }
.prose ul li::before { content: "✓"; position: absolute; left: 0; top: 0; color: var(--brand); font-weight: 700; }
.prose a { color: var(--brand); }

/* feature cards (generic) */
.feature-card { background: var(--surface); border: 1px solid var(--line); border-radius: 20px; padding: 28px; transition: transform .3s var(--ease), box-shadow .3s var(--ease); }
.feature-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-card); }
.feature-ic { width: 46px; height: 46px; border-radius: 13px; background: var(--brand-tint); color: var(--brand); display: flex; align-items: center; justify-content: center; font-size: 22px; margin-bottom: 18px; }
.feature-card h3 { font-size: 19px; margin: 0 0 8px; }
.feature-card p { color: var(--muted); font-size: 14.5px; line-height: 1.6; margin: 0; }

/* split (image + text) */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.split--rev .split-media { order: 2; }
.split-media { border-radius: var(--radius); overflow: hidden; background: var(--surface-2); border: 1px solid var(--line); aspect-ratio: 4 / 3; }
.split-media img { width: 100%; height: 100%; object-fit: cover; }
.split-body h2 { margin-bottom: 16px; }

/* image placeholder */
.ph {
  display: flex; align-items: center; justify-content: center; flex-direction: column; gap: 8px;
  width: 100%; height: 100%; min-height: 220px; color: var(--muted-2); font-size: 13px; text-align: center;
  background:
    repeating-linear-gradient(45deg, rgba(var(--brand-rgb),0.04) 0 14px, transparent 14px 28px),
    var(--brand-tint);
}
.ph b { font-size: 26px; color: var(--brand); opacity: .7; }

/* FAQ */
.faq { max-width: 820px; margin: 0 auto; display: flex; flex-direction: column; gap: 12px; }
.faq details { background: var(--surface); border: 1px solid var(--line); border-radius: 16px; padding: 4px 22px; transition: border-color .2s; }
.faq details[open] { border-color: var(--brand-tint-2); }
.faq summary { list-style: none; cursor: pointer; padding: 20px 0; font-weight: 600; font-size: 17px; display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 22px; color: var(--brand); transition: transform .25s; line-height: 1; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq .faq-body { padding: 0 0 22px; color: var(--muted); font-size: 15.5px; line-height: 1.7; }

/* contact / forms */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.field { display: flex; flex-direction: column; gap: 7px; margin-bottom: 18px; }
.field label { font-size: 13.5px; font-weight: 600; color: var(--ink-2); }
.field input, .field select, .field textarea {
  font-family: inherit; font-size: 15px; color: var(--ink); background: var(--surface);
  border: 1px solid var(--line-2); border-radius: 12px; padding: 13px 15px; transition: border-color .2s, box-shadow .2s;
}
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--brand); box-shadow: 0 0 0 3px rgba(var(--brand-rgb),0.12); }
.field textarea { resize: vertical; min-height: 130px; }
.form-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 32px; box-shadow: var(--shadow-card); }
.info-row { display: flex; gap: 14px; align-items: flex-start; padding: 18px 0; border-bottom: 1px solid var(--line); }
.info-row:last-child { border-bottom: 0; }
.info-ic { flex: none; width: 44px; height: 44px; border-radius: 12px; background: var(--brand-tint); color: var(--brand); display: flex; align-items: center; justify-content: center; font-size: 20px; }
.info-row .k { font-size: 13px; color: var(--muted-2); text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 3px; }
.info-row .v { font-size: 16px; color: var(--ink); font-weight: 600; text-decoration: none; }
.info-row .v:hover { color: var(--brand); }
.form-note { font-size: 12.5px; color: var(--muted-2); line-height: 1.6; margin-top: 6px; }

/* badge strip / value props */
.value-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.value { display: flex; gap: 14px; align-items: flex-start; }
.value .vic { flex: none; width: 44px; height: 44px; border-radius: 12px; background: var(--brand-tint); color: var(--brand); display: flex; align-items: center; justify-content: center; font-size: 20px; }
.value h3 { font-size: 17px; margin: 2px 0 6px; }
.value p { color: var(--muted); font-size: 14.5px; line-height: 1.6; margin: 0; }

/* "coming soon" (blog) */
.soon { text-align: center; max-width: 620px; margin: 0 auto; padding: 40px 0; }
.soon .badge-soft { display: inline-flex; align-items: center; gap: 8px; background: var(--brand-tint); color: var(--brand); font-weight: 700; font-size: 13px; padding: 8px 16px; border-radius: 999px; margin-bottom: 22px; }

/* reveal animation hook */
[data-reveal] { opacity: 0; transform: translateY(28px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
[data-reveal].is-in { opacity: 1; transform: none; }

/* ---- Hero journey card ("idea -> home") */
.journey-card {
  background: rgba(255,255,255,0.055); backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px);
  border: 1px solid rgba(255,255,255,0.13); border-radius: var(--radius); padding: 26px 28px; box-shadow: var(--shadow);
}
.journey-top { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-bottom: 22px; }
.jc-eyebrow { color: var(--on-dark-4); font-size: 12.5px; font-weight: 600; letter-spacing: 0.02em; }
.jc-badge { flex: none; font-size: 11.5px; font-weight: 700; color: var(--brand-bright); background: rgba(var(--brand-bright-rgb),0.16); padding: 4px 10px; border-radius: 999px; }
.journey { position: relative; }
.journey-rail { position: absolute; left: 18px; top: 18px; bottom: 18px; width: 2px; background: rgba(255,255,255,0.12); border-radius: 2px; overflow: hidden; }
.journey-rail-fill { position: absolute; left: 0; top: 0; width: 100%; height: 0%; background: linear-gradient(180deg, var(--brand-bright), var(--brand)); transition: height .9s var(--ease); }
.journey-steps { list-style: none; display: flex; flex-direction: column; gap: 18px; position: relative; margin: 0; padding: 0; }
.jstep { display: flex; align-items: center; gap: 14px; opacity: .42; transition: opacity .45s var(--ease); }
.jstep.is-on { opacity: 1; }
.jdot {
  flex: none; width: 38px; height: 38px; border-radius: 999px; display: flex; align-items: center; justify-content: center;
  font-size: 18px; background: #14110F; border: 1px solid rgba(255,255,255,0.16);
  transition: background .45s, border-color .45s, transform .45s var(--ease), box-shadow .45s; position: relative; z-index: 1;
}
.jstep.is-on .jdot { background: rgba(var(--brand-bright-rgb),0.24); border-color: var(--brand-bright); transform: scale(1.06); box-shadow: 0 0 0 4px rgba(var(--brand-bright-rgb),0.12); }
.jtext { display: flex; flex-direction: column; line-height: 1.25; }
.jt { color: var(--on-dark-2); font-weight: 600; font-size: 14.5px; transition: color .45s; }
.jd { color: var(--on-dark-3); font-size: 12.5px; }
.jstep.is-on .jt { color: #fff; }

/* keyframes */
@keyframes marqueeScroll { from { transform: translateX(0); } to { transform: translateX(-50%); } }
@keyframes floatY { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-12px); } }

/* skip link */
.skip { position: absolute; left: -999px; top: 0; background: var(--brand); color: #fff; padding: 10px 16px; border-radius: 0 0 10px 0; z-index: 100; }
.skip:focus { left: 0; }

/* ========================================================== Responsive */
@media (max-width: 1080px) {
  .hero-grid { grid-template-columns: 1fr; gap: 36px; padding: 48px 40px; }
  .float-card { max-width: 460px; }
  .services { grid-template-columns: 1fr 1fr; }
  .svc--dark { grid-column: 1 / -1; }
  .calc-grid { gap: 40px; }
}

@media (max-width: 880px) {
  .main-nav, .header-cta .header-phone { display: none; }
  .nav-toggle { display: block; }
  .header-cta .btn { display: none; }
  .main-nav.is-open {
    display: flex; position: absolute; top: 100%; left: 0; right: 0;
    flex-direction: column; align-items: stretch; gap: 0;
    background: var(--surface); border-bottom: 1px solid var(--line);
    padding: 10px 20px 22px; box-shadow: 0 24px 40px -28px rgba(20,17,15,0.4);
  }
  .main-nav.is-open a { padding: 13px 6px; border-bottom: 1px solid var(--line); font-size: 16px; }
  .main-nav.is-open .has-drop > a::after { content: ""; }
  .main-nav.is-open .drop {
    position: static; transform: none; opacity: 1; visibility: visible; display: flex; flex-direction: column;
    box-shadow: none; border: 0; padding: 4px 0 8px 12px; min-width: 0; background: transparent; gap: 0;
  }
  .main-nav.is-open .drop-col-title { padding: 12px 0 2px; }
  .main-nav.is-open .drop a { padding: 9px 0; border: 0; font-size: 14.5px; }

  .stats { grid-template-columns: 1fr 1fr; gap: 22px 20px; }
  .calc-grid { grid-template-columns: 1fr; }
  .steps, .reviews-grid, .value-row { grid-template-columns: 1fr; }
  .split, .contact-grid { grid-template-columns: 1fr; gap: 30px; }
  .split--rev .split-media { order: 0; }
  .grid-3, .grid-4 { grid-template-columns: 1fr 1fr; }
  .cta-row { flex-direction: column; align-items: flex-start; }
  .cta-actions { width: 100%; }
}

@media (max-width: 560px) {
  .container { padding: 0 18px; }
  .hero { padding: 14px; }
  .hero-panel { min-height: 0; }
  .hero-grid { padding: 36px 24px; }
  .hero-actions .btn { width: 100%; }
  .page-hero { padding: 14px 14px 0; }
  .page-hero-inner { padding: 44px 26px; }
  .calc { padding: 36px 24px; }
  .cta-inner { padding: 44px 26px; }
  .slider-2col { grid-template-columns: 1fr; }
  .services, .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .stats { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 30px; }
  .section { padding: 48px 0; }
}

/* ========================================================== Added features */

/* ---- Hero intent selector ("I want to…") */
.intent { margin: 4px 0 30px; }
.intent .lbl { color: var(--on-dark-3); font-size: 12.5px; letter-spacing: 0.02em; margin-bottom: 11px; }
.intent-row { display: flex; flex-wrap: wrap; gap: 10px; }
.intent-row a {
  display: inline-flex; align-items: center; gap: 9px; text-decoration: none;
  background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.16);
  color: var(--on-dark); font-size: 14px; font-weight: 600; padding: 11px 16px; border-radius: 12px;
  transition: background .2s, border-color .2s, transform .2s var(--ease);
}
.intent-row a:hover { background: rgba(var(--brand-bright-rgb),0.20); border-color: var(--brand-bright); transform: translateY(-2px); }
.intent-row a .ar { opacity: .55; }

/* ---- Google reviews badge */
.gbadge {
  display: inline-flex; align-items: center; gap: 12px; text-decoration: none;
  background: var(--surface); border: 1px solid var(--line); border-radius: 14px;
  padding: 12px 18px; box-shadow: var(--shadow-card);
  transition: transform .2s var(--ease), box-shadow .2s;
}
.gbadge:hover { transform: translateY(-2px); box-shadow: 0 22px 44px -28px rgba(20,17,15,0.4); }
.gbadge svg { width: 22px; height: 22px; flex: none; }
.gbadge .gb-main { display: flex; flex-direction: column; line-height: 1.25; }
.gbadge .gb-top { font-size: 12px; color: var(--muted-2); }
.gbadge .gb-rate { display: flex; align-items: center; gap: 7px; }
.gbadge .gb-score { font-weight: 700; font-size: 15px; color: var(--ink); }
.gbadge .gb-stars { color: #FBBC05; letter-spacing: 1px; font-size: 14px; }
.gbadge .gb-count { font-size: 12.5px; color: var(--muted-2); border-left: 1px solid var(--line); padding-left: 12px; }
.gbadge--ghost { background: rgba(255,255,255,0.06); border-color: rgba(255,255,255,0.16); box-shadow: none; }
.gbadge--ghost .gb-top { color: var(--on-dark-3); }
.gbadge--ghost .gb-score { color: #fff; }
.gbadge--ghost .gb-count { color: var(--on-dark-3); border-left-color: rgba(255,255,255,0.18); }
.gbadge--compact { padding: 9px 15px; gap: 9px; }
.gbadge--compact .gb-score { font-weight: 700; font-size: 15px; color: var(--ink); }
.gbadge--compact.gbadge--ghost .gb-score { color: #fff; }
.gbadge--compact .gb-stars { color: #FBBC05; letter-spacing: 1px; font-size: 13px; }
.gbadge--compact .gb-min { font-size: 12.5px; color: var(--muted-2); }
.gbadge--compact.gbadge--ghost .gb-min { color: var(--on-dark-3); }
.trust-strip { display: flex; justify-content: center; }

/* ---- Calculator: tabs, headings, dark fields, results */
.calc-h { font-family: var(--display); font-weight: 600; font-size: clamp(28px, 3.4vw, 40px); letter-spacing: -0.025em; line-height: 1.05; margin: 0 0 22px; }
.calc-tabs {
  display: inline-flex; gap: 6px; flex-wrap: wrap; margin-bottom: 32px;
  background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.12);
  padding: 6px; border-radius: 14px;
}
.calc-tabs button {
  font-family: inherit; cursor: pointer; border: 0; background: transparent;
  color: var(--on-dark-2); font-size: 14px; font-weight: 600; padding: 10px 18px;
  border-radius: 10px; transition: background .2s, color .2s;
}
.calc-tabs button:hover { color: #fff; }
.calc-tabs button.is-active { background: var(--brand); color: #fff; }
.calc-panel { display: none; }
.calc-panel.is-active { display: block; animation: fadeUp .35s var(--ease); }

.calc-fields { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field-dark { display: flex; flex-direction: column; gap: 8px; }
.field-dark label { color: var(--on-dark-2); font-size: 13.5px; font-weight: 500; }
.field-dark .wrap { position: relative; }
.field-dark .pfx { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--on-dark-3); font-size: 15px; pointer-events: none; }
.field-dark input {
  width: 100%; font-family: inherit; font-size: 16px; color: #fff;
  background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.14);
  border-radius: 12px; padding: 13px 14px; transition: border-color .2s, box-shadow .2s;
}
.field-dark.has-pfx input { padding-left: 28px; }
.field-dark input:focus { outline: none; border-color: var(--brand-bright); box-shadow: 0 0 0 3px rgba(var(--brand-bright-rgb),0.18); }

.calc-result { display: flex; flex-direction: column; gap: 16px; width: 100%; }
.result-figures { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.result-fig { background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.1); border-radius: 16px; padding: 18px; }
.result-fig .k { color: var(--on-dark-3); font-size: 12.5px; }
.result-fig .v { font-family: var(--display); font-weight: 700; font-size: 26px; color: var(--on-dark); margin-top: 5px; letter-spacing: -0.02em; }
.result-save { background: rgba(var(--brand-bright-rgb),0.16); border: 1px solid rgba(var(--brand-bright-rgb),0.32); border-radius: 16px; padding: 22px; text-align: center; }
.result-save .k { color: var(--brand-bright); font-size: 13px; font-weight: 600; }
.result-save .v { font-family: var(--display); font-weight: 700; font-size: clamp(34px,5vw,44px); color: #fff; letter-spacing: -0.02em; margin: 4px 0 2px; }
.result-save .per { color: var(--on-dark-2); font-size: 13px; }

/* ---- Decision in Principle callout */
.dip {
  position: relative; overflow: hidden; background: var(--dark); color: var(--on-dark);
  border-radius: var(--radius); padding: 38px 44px;
  display: flex; gap: 28px; align-items: center; justify-content: space-between; flex-wrap: wrap;
}
.dip::before { content: ""; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(80% 150% at 100% 0%, rgba(var(--brand-rgb),0.30), transparent 60%); }
.dip-body { position: relative; max-width: 640px; }
.dip-tag { display: inline-flex; align-items: center; gap: 7px; background: rgba(var(--brand-bright-rgb),0.18);
  color: var(--brand-bright); font-weight: 700; font-size: 11.5px; letter-spacing: 0.08em; text-transform: uppercase;
  padding: 6px 12px; border-radius: 999px; margin-bottom: 14px; }
.dip-body h3 { font-size: clamp(22px, 2.6vw, 30px); margin-bottom: 10px; color: var(--on-dark); }
.dip-body p { color: var(--on-dark-2); font-size: 15.5px; line-height: 1.6; }
.dip-cta { position: relative; flex: none; }

/* ---- Multi-step wizard (contact) */
.wizard-head { display: flex; align-items: center; justify-content: space-between; gap: 14px; margin-bottom: 16px; }
.wizard-count { font-size: 13px; color: var(--muted-2); font-weight: 600; white-space: nowrap; }
.wizard-bar { height: 6px; background: var(--line); border-radius: 999px; overflow: hidden; margin-bottom: 28px; }
.wizard-bar > span { display: block; height: 100%; width: 33.33%; background: var(--brand); border-radius: 999px; transition: width .35s var(--ease); }
.wizard-step, .wizard-done { display: none; }
.wizard-step.is-active, .wizard-done.is-active { display: block; animation: fadeUp .4s var(--ease); }
.wizard-step h3, .wizard-done h3 { font-size: 22px; margin-bottom: 6px; }
.wizard-step .sub { color: var(--muted); margin-bottom: 22px; font-size: 14.5px; }
.choice-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.choice {
  display: flex; align-items: center; gap: 12px; cursor: pointer; text-align: left; width: 100%;
  background: var(--surface); border: 1px solid var(--line-2); border-radius: 14px; padding: 16px 18px;
  font-family: inherit; font-size: 15px; font-weight: 600; color: var(--ink);
  transition: border-color .2s, background .2s, transform .2s var(--ease);
}
.choice:hover { border-color: var(--brand); transform: translateY(-2px); }
.choice.is-selected { border-color: var(--brand); background: var(--brand-tint); }
.choice .ci { flex: none; width: 40px; height: 40px; border-radius: 11px; background: var(--brand-tint); color: var(--brand); display: flex; align-items: center; justify-content: center; font-size: 19px; }
.wizard-actions { display: flex; justify-content: space-between; gap: 12px; margin-top: 26px; }
.wizard-actions .btn--ghost { order: -1; }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: 13px; color: var(--muted); margin-top: 4px; }
.consent input { margin-top: 3px; accent-color: var(--brand); }
.wizard-done .done-ic { width: 64px; height: 64px; border-radius: 999px; background: var(--brand-tint); color: var(--brand); display: flex; align-items: center; justify-content: center; font-size: 32px; margin: 6px auto 18px; }

@keyframes fadeUp { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }

@media (max-width: 880px) {
  .calc-fields, .result-figures, .choice-grid { grid-template-columns: 1fr; }
  .dip { padding: 30px 26px; }
  .dip-cta, .dip-cta .btn { width: 100%; }
}

/* ---- Journey timeline (content) */
.journey-tl { position: relative; }
.tl-line { position: absolute; left: 0; right: 0; top: 27px; height: 3px; background: var(--line-2); border-radius: 3px; overflow: hidden; }
.tl-line-fill { position: absolute; inset: 0; transform: scaleX(0); transform-origin: left; background: linear-gradient(90deg, var(--brand-bright), var(--brand)); transition: transform 1.2s var(--ease) .15s; }
.journey-tl.is-in .tl-line-fill { transform: scaleX(1); }
.tl-nodes { list-style: none; display: grid; grid-template-columns: repeat(6, 1fr); gap: 20px; position: relative; margin: 0; padding: 0; }
.tl-node { display: flex; flex-direction: column; }
.tl-ic { width: 54px; height: 54px; border-radius: 16px; background: var(--surface); border: 1px solid var(--line); display: flex; align-items: center; justify-content: center; font-size: 24px; box-shadow: var(--shadow-card); transition: transform .35s var(--ease), background .3s, border-color .3s, box-shadow .35s, opacity .3s; }
.tl-step { font-family: var(--display); font-weight: 700; font-size: 13px; color: var(--brand); margin: 16px 0 6px; letter-spacing: 0.04em; transition: color .3s; }
.tl-node h3 { font-size: 17px; margin: 0 0 6px; transition: color .3s, opacity .3s; }
.tl-node p { color: var(--muted); font-size: 14px; line-height: 1.55; margin: 0; transition: opacity .3s; }
/* enlarge & highlight the hovered step; gently dim the rest */
.tl-node:hover .tl-ic { transform: translateY(-8px) scale(1.12); background: var(--brand-tint); border-color: var(--brand); box-shadow: 0 18px 34px -16px rgba(var(--brand-rgb),0.5); }
.tl-node:hover .tl-step { color: var(--brand-deep); }
.tl-node:hover h3 { color: var(--brand); }
@media (hover: hover) and (pointer: fine) {
  .tl-nodes:hover .tl-node:not(:hover) .tl-ic { opacity: .55; }
  .tl-nodes:hover .tl-node:not(:hover) h3,
  .tl-nodes:hover .tl-node:not(:hover) p { opacity: .6; }
}

/* ---- Protection builder */
.pb-grid { display: grid; grid-template-columns: 1.3fr 1fr; gap: 24px; align-items: start; }
.pb-opts { display: flex; flex-direction: column; gap: 12px; }
.pb-opt { display: flex; align-items: center; gap: 16px; text-align: left; width: 100%; cursor: pointer; font-family: inherit; background: var(--surface); border: 1px solid var(--line-2); border-radius: 16px; padding: 18px 20px; transition: border-color .2s, background .2s, transform .2s var(--ease); }
.pb-opt:hover { transform: translateY(-2px); border-color: var(--brand); }
.pb-opt.is-on { border-color: var(--brand); background: var(--brand-tint); }
.pb-ic { flex: none; width: 46px; height: 46px; border-radius: 13px; background: #fff; border: 1px solid var(--line); color: var(--brand); display: flex; align-items: center; justify-content: center; font-size: 22px; }
.pb-body { display: flex; flex-direction: column; gap: 2px; flex: 1; }
.pb-t { font-weight: 700; font-size: 16px; color: var(--ink); }
.pb-p { color: var(--muted); font-size: 13.5px; line-height: 1.5; }
.pb-check { flex: none; width: 26px; height: 26px; border-radius: 999px; border: 1px solid var(--line-2); color: transparent; display: flex; align-items: center; justify-content: center; font-size: 14px; font-weight: 700; transition: background .2s, border-color .2s, color .2s; }
.pb-opt.is-on .pb-check { background: var(--brand); border-color: var(--brand); color: #fff; }
.pb-summary { background: var(--dark); color: var(--on-dark); border-radius: var(--radius); padding: 26px; position: sticky; top: 90px; }
.pb-sum-head { font-family: var(--display); font-weight: 600; font-size: 18px; margin-bottom: 16px; }
.pb-list { list-style: none; display: flex; flex-direction: column; gap: 10px; margin: 0; padding: 0; }
.pb-list li { display: flex; align-items: center; gap: 10px; color: var(--on-dark-2); font-size: 14.5px; }
.pb-list li::before { content: "\2713"; color: var(--brand-bright); font-weight: 700; }
.pb-empty { color: var(--on-dark-3); font-size: 14px; }

/* ---- Before / after bars (remortgage) */
.ba-head { margin-bottom: 30px; }
.ba-chart { display: flex; align-items: flex-end; gap: 28px; flex-wrap: wrap; }
.ba-col { display: flex; flex-direction: column; align-items: center; gap: 12px; }
.ba-amt { font-family: var(--display); font-weight: 700; font-size: 20px; color: var(--on-dark); }
.ba-bar { width: 84px; height: 0; border-radius: 12px 12px 0 0; transition: height 1.1s var(--ease) .2s; }
.ba-bar--before { background: rgba(255,255,255,0.16); }
.ba-bar--after { background: linear-gradient(180deg, var(--brand-bright), var(--brand)); }
.ba.is-in .ba-bar--before { height: 210px; }
.ba.is-in .ba-bar--after { height: 170px; }
.ba-lbl { color: var(--on-dark-3); font-size: 13px; }
.ba-save { margin-left: auto; align-self: center; text-align: right; }
.ba-save-k { display: block; color: var(--brand-bright); font-size: 13px; font-weight: 600; }
.ba-save-v { font-family: var(--display); font-weight: 700; font-size: clamp(38px,5vw,52px); color: #fff; letter-spacing: -0.02em; line-height: 1; }
.ba-save-v small { font-size: 18px; color: var(--on-dark-3); font-weight: 600; }
.ba-save-sub { display: block; color: var(--on-dark-2); font-size: 13px; margin-top: 4px; }

/* ---- Lender cloud */
.lc-head { display: flex; gap: 32px; align-items: center; justify-content: space-between; flex-wrap: wrap; margin-bottom: 30px; }
.lc-num { display: flex; align-items: center; gap: 16px; }
.lc-num .num { font-family: var(--display); font-weight: 700; font-size: 64px; line-height: 1; letter-spacing: -0.03em; color: var(--brand); }
.lc-num-lbl { color: var(--ink-2); font-size: 15px; font-weight: 600; line-height: 1.3; }
.lc-copy { color: var(--muted); font-size: 15.5px; line-height: 1.6; max-width: 460px; margin: 0; }
.lc-rows { display: flex; flex-direction: column; gap: 14px; }
.marquee-track--rev { animation-name: marqueeScrollRev; }
@keyframes marqueeScrollRev { from { transform: translateX(-50%); } to { transform: translateX(0); } }

@media (max-width: 1080px) {
  .tl-nodes { grid-template-columns: repeat(3, 1fr); row-gap: 32px; }
  .tl-line { display: none; }
}
@media (max-width: 880px) {
  .pb-grid { grid-template-columns: 1fr; }
  .pb-summary { position: static; }
  .tl-nodes { grid-template-columns: 1fr 1fr; }
  .ba-save { margin-left: 0; text-align: left; width: 100%; }
}
@media (max-width: 560px) {
  .tl-nodes { grid-template-columns: 1fr; }
  .lc-num .num { font-size: 52px; }
}

/* ---- Sticky scrollytelling */
.scrolly-wrap { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.scrolly-media { position: sticky; top: 84px; height: 74vh; border-radius: var(--radius-lg); overflow: hidden; background: var(--surface-2); border: 1px solid var(--line); }
.scrolly-fig { position: absolute; inset: 0; opacity: 0; transform: scale(1.06); transition: opacity .6s var(--ease), transform 1s var(--ease); }
.scrolly-fig.is-active { opacity: 1; transform: scale(1); }
.scrolly-fig img { width: 100%; height: 100%; object-fit: cover; }
.scrolly-badge { position: absolute; left: 18px; bottom: 18px; background: rgba(13,12,11,0.62); backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px); color: #fff; font-size: 12.5px; font-weight: 700; padding: 7px 13px; border-radius: 999px; }
.scrolly-steps { display: flex; flex-direction: column; }
.scrolly-step { min-height: 70vh; display: flex; flex-direction: column; justify-content: center; opacity: .35; transition: opacity .4s var(--ease); }
.scrolly-step.is-active { opacity: 1; }
.scrolly-step .num { font-family: var(--display); font-weight: 700; color: var(--brand); font-size: 15px; letter-spacing: 0.06em; margin-bottom: 10px; }
.scrolly-step h3 { font-size: clamp(24px, 3vw, 34px); margin-bottom: 12px; }
.scrolly-step p { color: var(--muted); font-size: 17px; line-height: 1.65; max-width: 440px; }
.scrolly.is-static .scrolly-media { position: static; height: auto; aspect-ratio: 4 / 3; margin-bottom: 20px; }
.scrolly.is-static .scrolly-fig { position: relative; }
.scrolly.is-static .scrolly-step { min-height: auto; opacity: 1; margin-bottom: 22px; }

/* ---- Tilt & magnetic micro-interactions (perf hint; behaviour in JS) */
@media (hover: hover) and (pointer: fine) {
  .feature-card, .review { will-change: transform; }
}

@media (max-width: 880px) {
  .scrolly-wrap { grid-template-columns: 1fr; gap: 0; }
  .scrolly-media { height: 42vh; top: 74px; margin-bottom: 20px; }
  .scrolly-step { min-height: 54vh; }
}

/* ---- Trust strip */
.trustbar { padding: 16px 0; border-bottom: 1px solid var(--line); background: var(--surface); }
.trustbar-row { display: flex; align-items: center; justify-content: space-between; gap: 16px 28px; flex-wrap: wrap; }
.tb-item { display: flex; align-items: center; gap: 12px; }
.tb-ic { flex: none; width: 40px; height: 40px; border-radius: 11px; background: var(--brand-tint); color: var(--brand); display: flex; align-items: center; justify-content: center; font-size: 19px; }
.tb-tx { display: flex; flex-direction: column; line-height: 1.2; }
.tb-tx b { font-size: 14.5px; color: var(--ink); }
.tb-tx small { font-size: 12.5px; color: var(--muted); }

/* ---- Case studies */
.case { background: var(--surface); border: 1px solid var(--line); border-radius: 22px; padding: 28px; display: flex; flex-direction: column; gap: 12px; transition: transform .3s var(--ease), box-shadow .3s; }
.case:hover { transform: translateY(-4px); box-shadow: var(--shadow-card); }
.case-tag { align-self: flex-start; font-size: 11.5px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--brand); background: var(--brand-tint); padding: 5px 12px; border-radius: 999px; }
.case-problem { color: var(--ink-2); font-size: 15.5px; line-height: 1.6; margin: 0; }
.case-action { color: var(--muted); font-size: 14.5px; line-height: 1.6; margin: 0; }
.case-result { margin-top: auto; padding-top: 16px; border-top: 1px solid var(--line); }
.case-fig { display: block; font-family: var(--display); font-weight: 700; font-size: 30px; color: var(--brand); letter-spacing: -0.02em; line-height: 1.1; }
.case-fig-lbl { color: var(--muted); font-size: 13.5px; }

/* ---- Team */
.member { background: var(--surface); border: 1px solid var(--line); border-radius: 22px; padding: 30px; text-align: center; }
.member-photo { width: 96px; height: 96px; border-radius: 999px; margin: 0 auto 18px; display: flex; align-items: center; justify-content: center; font-family: var(--display); font-weight: 700; font-size: 30px; }
.member-name { font-family: var(--display); font-weight: 600; font-size: 19px; }
.member-role { color: var(--brand); font-size: 14px; font-weight: 600; margin-top: 4px; }
.member-cred { color: var(--muted); font-size: 13.5px; margin-top: 6px; }

/* ---- Parallax band */
.parallax { position: relative; overflow: hidden; min-height: 440px; display: flex; align-items: center; }
.parallax-media { position: absolute; left: 0; right: 0; top: -12%; height: 124%; will-change: transform; }
.parallax-media img { width: 100%; height: 100%; object-fit: cover; }
.parallax-overlay { position: absolute; inset: 0; background: linear-gradient(90deg, rgba(13,12,11,0.86), rgba(13,12,11,0.5) 58%, rgba(13,12,11,0.18)); }
.parallax-content { position: relative; width: 100%; padding: 64px 28px; text-align: left; }

/* ---- Sticky mobile CTA bar */
.mobile-cta { display: none; }
@media (max-width: 880px) {
  body { padding-bottom: 72px; }
  .mobile-cta { display: flex; gap: 10px; position: fixed; left: 0; right: 0; bottom: 0; z-index: 75; padding: 10px 14px; background: rgba(251,250,247,0.94); backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px); border-top: 1px solid var(--line); }
  .mobile-cta .btn { flex: 1; }
  .parallax { min-height: 380px; }
  .parallax-overlay { background: linear-gradient(180deg, rgba(13,12,11,0.55), rgba(13,12,11,0.82)); }
}

/* ---- Video band: 9:16 video centred, big rotating dot-ring behind whole section (light) */
.videoband { position: relative; overflow: hidden; background: var(--bg); padding: 80px 0; }
.vb-ring { position: absolute; inset: 0; width: 100%; height: 100%; display: block; z-index: 0; }
.vb-inner { position: relative; z-index: 1; text-align: center; }
.vb-head { max-width: 640px; margin: 0 auto; }
.vb-head .eyebrow { text-align: center; }
.vb-head p { color: var(--muted); font-size: 17px; line-height: 1.6; max-width: 520px; margin: 14px auto 0; }
.vb-stage { position: relative; width: 100%; max-width: 320px; aspect-ratio: 9 / 16; margin: 30px auto 26px; }
.vb-frame { position: absolute; inset: 0; border-radius: 22px; overflow: hidden; background: #000; border: 6px solid var(--surface); box-shadow: 0 30px 70px -30px rgba(20,17,15,0.5); }
.vb-frame video { width: 100%; height: 100%; object-fit: cover; display: block; }
.vb-actions { margin-top: 2px; }
@media (max-width: 560px) {
  .vb-stage { max-width: 240px; }
}