/* ==========================================================================
   Duty First Mortgages - site design system ("Bright Australian")
   Source of truth for every page. Extracted from mockups/variant-b-bright.html
   and extended with page-hero, forms and calculator primitives.
   Palette: navy #101e36 / gold #c6a058 on white + warm cream.
   ========================================================================== */

:root{
  /* colour */
  --navy:#101e36;
  --navy-deep:#0b1526;
  --navy-soft:#33415e;
  --navy-mid:#1b2c4e;
  --gold:#c6a058;
  --gold-deep:#7a5a14;
  --gold-tint:#f6efe2;
  --cream:#faf7f1;
  --white:#ffffff;
  --line:#eae2d3;
  --ink-muted:#5d6a85;
  --wa-green:#25D366;
  /* elevation */
  --shadow:0 12px 32px rgba(16,30,54,.09);
  --shadow-lg:0 24px 60px rgba(16,30,54,.16);
  --shadow-hover:0 20px 44px rgba(16,30,54,.13);
  /* shape */
  --radius:20px;
  --radius-sm:14px;
  --radius-lg:30px;
  /* spacing scale */
  --space-1:8px; --space-2:14px; --space-3:22px; --space-4:34px;
  --space-5:52px; --space-6:96px;
  /* type scale */
  --font-display:'Libre Baskerville',Georgia,serif;
  --font-body:'Inter',-apple-system,'Segoe UI',sans-serif;
  --fs-h1:clamp(2.3rem,5.4vw,3.85rem);
  --fs-h2:clamp(1.85rem,3.4vw,2.55rem);
  --fs-h3:1.22rem;
  --fs-lede:clamp(1.02rem,1.6vw,1.2rem);
}

/* ============ RESET / BASE ============ */
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family:var(--font-body);
  color:var(--navy-soft);
  background:var(--white);
  font-size:1rem;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{font-family:var(--font-display);color:var(--navy);line-height:1.15}
/* The hidden attribute must always win, even over .field{display:flex} etc.
   (author display rules beat the UA's [hidden] default otherwise). */
[hidden]{display:none!important}
img{max-width:100%;display:block}
a{color:var(--navy)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,
textarea:focus-visible,summary:focus-visible,[tabindex]:focus-visible{
  outline:3px solid var(--gold);outline-offset:3px;border-radius:6px;
}
section{scroll-margin-top:92px}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.visually-hidden{
  position:absolute!important;width:1px;height:1px;overflow:hidden;
  clip:rect(0 0 0 0);white-space:nowrap;clip-path:inset(50%);
}

.skip-link{
  position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;
  padding:12px 20px;z-index:200;border-radius:0 0 12px 0;font-weight:600;
}
.skip-link:focus{left:0}

/* ============ KICKER ============ */
.kicker{
  display:inline-flex;align-items:center;gap:12px;
  font-size:.8rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;
  color:var(--gold-deep);margin-bottom:14px;
}
.kicker::before{content:"";width:34px;height:4px;background:var(--gold);border-radius:2px;flex:none}
.kicker.on-dark{color:var(--gold)}

/* ============ BUTTONS ============ */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  padding:15px 30px;border-radius:999px;font-weight:700;font-size:1rem;
  text-decoration:none;transition:transform .18s ease, box-shadow .18s ease, background .18s ease;
  border:2px solid transparent;line-height:1.2;cursor:pointer;font-family:var(--font-body);
}
.btn:hover{transform:translateY(-2px)}
.btn-gold{background:var(--gold);color:var(--navy);box-shadow:0 8px 22px rgba(198,160,88,.38)}
.btn-gold:hover{background:#d3af69}
.btn-ghost{background:rgba(255,255,255,.12);color:#fff;border-color:rgba(255,255,255,.75);backdrop-filter:blur(3px)}
.btn-ghost:hover{background:rgba(255,255,255,.24)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-mid)}
.btn-outline{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn-sm{padding:10px 20px;font-size:.92rem}

/* ============ HEADER ============ */
.site-header{
  position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);
  backdrop-filter:blur(10px);border-bottom:1px solid var(--line);
  box-shadow:0 2px 18px rgba(16,30,54,.06);
}
.header-inner{
  max-width:1180px;margin:0 auto;padding:12px 24px;
  display:flex;align-items:center;gap:28px;
}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;flex:none}
.brand img{height:46px;width:42px}
.footer-brand img{height:46px;width:auto}
.brand-text{display:flex;flex-direction:column;line-height:1.05}
.brand-text .b1{font-family:var(--font-display);font-weight:700;font-size:1.12rem;color:var(--navy);letter-spacing:.02em}
.brand-text .b2{font-size:.66rem;font-weight:700;letter-spacing:.34em;color:var(--gold-deep);text-transform:uppercase}
.main-nav{margin-left:auto}
.main-nav ul{list-style:none;display:flex;gap:26px;align-items:center}
.main-nav a{
  text-decoration:none;font-weight:600;font-size:.94rem;color:var(--navy);
  padding:6px 2px;border-bottom:2px solid transparent;transition:border-color .15s;
}
.main-nav a:hover{border-bottom-color:var(--gold)}
.main-nav a[aria-current="page"]{border-bottom-color:var(--gold);color:var(--gold-deep)}
/* current-page highlight driven by bodyClass, e.g. body.page-services */
.page-home     .main-nav a[data-nav="home"],
.page-services .main-nav a[data-nav="services"],
.page-calculators .main-nav a[data-nav="calculators"],
.page-health-check .main-nav a[data-nav="health-check"],
.page-news     .main-nav a[data-nav="news"],
.page-about    .main-nav a[data-nav="about"],
.page-contact  .main-nav a[data-nav="contact"]{border-bottom-color:var(--gold)}
.header-cta{flex:none;display:inline-flex;align-items:center;gap:9px;background:var(--navy);color:#fff;
  text-decoration:none;font-weight:700;font-size:.94rem;padding:11px 20px;border-radius:999px;transition:background .18s}
.header-cta:hover{background:var(--navy-mid)}
.header-cta svg{flex:none}
.nav-toggle-btn{
  display:none;margin-left:auto;background:none;border:2px solid var(--line);border-radius:12px;
  padding:9px 11px;cursor:pointer;
}
.nav-toggle-btn span{display:block;width:22px;height:2.5px;background:var(--navy);border-radius:2px;margin:4.5px 0;transition:.2s}

@media (max-width:1020px){
  .main-nav{
    position:absolute;top:100%;left:0;right:0;background:#fff;margin:0;
    border-bottom:1px solid var(--line);box-shadow:0 18px 30px rgba(16,30,54,.12);
    display:none;
  }
  .main-nav.open{display:block}
  .main-nav ul{flex-direction:column;align-items:stretch;gap:0;padding:10px 24px 18px}
  .main-nav a{display:block;padding:13px 4px;border-bottom:1px solid var(--line);font-size:1.02rem}
  .nav-toggle-btn{display:block;order:5;margin-left:0}
  .header-cta{margin-left:auto}
}
@media (max-width:560px){
  .header-cta .cta-text{display:none}
  .header-cta{padding:11px 13px}
  .brand-text .b1{font-size:1rem}
}

/* ============ HERO (homepage, full-bleed photo) ============
   Jason's brief: "more bright, less shading. I want to see that beach."
   Scrim covers only the bottom ~35% of the photo, peak alpha .45 at the very
   bottom, fully transparent by mid-photo. Text is bottom-anchored inside the
   scrim zone and carries a text-shadow for contrast. */
.hero{position:relative;color:#fff;overflow:hidden}
.hero-bg{position:absolute;inset:0;background:url('/img/hero-beach.jpg') center 62%/cover no-repeat}
.hero-scrim{position:absolute;inset:0;background:
  linear-gradient(to top,
    rgba(11,21,38,.45) 0%,
    rgba(11,21,38,.34) 14%,
    rgba(11,21,38,.16) 26%,
    rgba(11,21,38,0) 35%)}
.hero-inner{
  position:relative;max-width:1180px;margin:0 auto;padding:120px 24px 96px;
  min-height:min(94vh,920px);display:flex;flex-direction:column;justify-content:flex-end;
}
.hero .kicker{color:#f6e3ba;text-shadow:0 1px 10px rgba(11,21,38,.65)}
.hero .kicker::before{background:var(--gold)}
.hero h1{
  color:#fff;font-size:var(--fs-h1);font-weight:600;max-width:15ch;
  text-shadow:0 2px 6px rgba(11,21,38,.55), 0 4px 26px rgba(11,21,38,.6);
}
.hero h1 em{font-style:normal;color:#f2d79f}
.hero p.lede{
  max-width:56ch;margin:20px 0 30px;font-size:var(--fs-lede);color:#f2f5fa;
  text-shadow:0 1px 5px rgba(11,21,38,.75), 0 2px 22px rgba(11,21,38,.7);
}
.hero-ctas{display:flex;gap:16px;flex-wrap:wrap;align-items:center}
.hero-note{
  margin-top:20px;font-size:.92rem;color:#eef2f8;display:flex;align-items:center;gap:9px;
  text-shadow:0 1px 4px rgba(11,21,38,.6);
}
.hero-note svg{flex:none}
/* MFAA finalist badge, pinned to the hero's top-right over the sky */
.hero-badge{
  position:absolute;z-index:6;
  top:30px;right:max(28px,calc((100% - 1180px)/2 + 24px));
  width:122px;height:122px;border-radius:50%;
  box-shadow:0 0 0 4px rgba(255,255,255,.92), 0 14px 32px rgba(11,21,38,.35);
}
@media (max-width:640px){
  .hero-inner{padding:110px 24px 88px;min-height:min(72vh,580px)}
  .hero-badge{
    width:72px;height:72px;top:18px;right:18px;
    box-shadow:0 0 0 3px rgba(255,255,255,.92), 0 8px 20px rgba(11,21,38,.35);
  }
}

/* ============ PAGE HERO (inner pages, no full-bleed photo) ============ */
.page-hero{background:var(--cream);border-bottom:1px solid var(--line);padding:72px 0 56px}
.page-hero h1{font-size:clamp(2rem,4.4vw,3rem);font-weight:600;max-width:20ch}
.page-hero .lede{max-width:60ch;margin-top:16px;font-size:var(--fs-lede);color:var(--ink-muted)}
.page-hero.on-photo{ /* optional photo version: add an <img> + .page-hero-scrim inside */
  position:relative;color:#fff;overflow:hidden;border-bottom:none;padding:110px 0 64px;
}
.page-hero.on-photo>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.page-hero-scrim{position:absolute;inset:0;background:
  linear-gradient(to top, rgba(11,21,38,.45) 0%, rgba(11,21,38,.18) 24%, rgba(11,21,38,0) 40%)}
.page-hero.on-photo .wrap{position:relative}
.page-hero.on-photo h1{color:#fff;text-shadow:0 2px 6px rgba(11,21,38,.55), 0 4px 26px rgba(11,21,38,.6)}
.page-hero.on-photo .lede{color:#f2f5fa;text-shadow:0 1px 4px rgba(11,21,38,.6)}

/* ============ TRUST / VALUES CARD ============
   The homepage trust bar was replaced by the lender belt (20-07-2026), but the
   About page still uses this card for its values grid. */
.trust-card{
  background:#fff;border-radius:24px;box-shadow:var(--shadow-lg);border:1px solid var(--line);
  display:grid;grid-template-columns:repeat(4,1fr);overflow:hidden;
}
.trust-item{display:flex;gap:14px;align-items:center;padding:26px 26px;border-left:1px solid var(--line)}
.trust-item:first-child{border-left:none}
.trust-ico{
  width:48px;height:48px;flex:none;border-radius:14px;background:var(--gold-tint);
  display:flex;align-items:center;justify-content:center;color:var(--gold-deep);
}
.trust-item strong{display:block;color:var(--navy);font-size:.99rem;line-height:1.3}
.trust-item small{color:var(--ink-muted);font-size:.82rem}
@media (max-width:960px){
  .trust-card{grid-template-columns:1fr 1fr}
  .trust-item{border-top:1px solid var(--line)}
  .trust-item:nth-child(-n+2){border-top:none}
  .trust-item:nth-child(odd){border-left:none}
}
@media (max-width:520px){
  .trust-card{grid-template-columns:1fr}
  .trust-item{border-left:none;border-top:1px solid var(--line);padding:18px 22px}
  .trust-item:first-child{border-top:none}
}

/* ============ LENDER BELT (marquee under the hero) ============ */
.lender-belt{background:#fff;padding:46px 0 38px;border-bottom:1px solid var(--line)}
.belt-kicker{
  text-align:center;font-size:.82rem;font-weight:700;letter-spacing:.13em;
  text-transform:uppercase;color:var(--gold-deep);
}
.belt{
  overflow:hidden;margin-top:30px;
  -webkit-mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);
  mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);
}
.belt-track{display:flex;width:max-content;animation:beltx 70s linear infinite}
.belt:hover .belt-track{animation-play-state:paused}
.belt-group{display:flex;align-items:center;gap:62px;flex:none;padding:0 31px}
.belt-group img{height:44px;width:auto;flex:none}
@keyframes beltx{to{transform:translateX(-50%)}}
.belt-note{text-align:center;margin-top:26px;font-size:.8rem;color:var(--ink-muted)}
@media (max-width:640px){
  .lender-belt{padding:36px 0 30px}
  .belt{margin-top:22px}
  .belt-group{gap:44px;padding:0 22px}
  .belt-group img{height:34px}
}
@media (prefers-reduced-motion:reduce){
  /* static wrapped grid instead of a moving strip */
  .belt{overflow:visible;mask-image:none;-webkit-mask-image:none}
  .belt-track{animation:none;width:auto;display:block}
  .belt-group{flex-wrap:wrap;justify-content:center;gap:28px 46px;max-width:1180px;margin:0 auto;padding:0 24px}
  .belt-group[aria-hidden="true"]{display:none}
}

/* ============ SECTION SHELL ============ */
.section{padding:96px 0}
.section.tight{padding-top:72px}
.section-head{max-width:660px;margin-bottom:52px}
.section-head h2{font-size:var(--fs-h2);font-weight:600;margin-bottom:14px}
.section-head p{font-size:1.06rem;color:var(--ink-muted)}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}
.section-head.center .kicker{justify-content:center}
.bg-cream{background:var(--cream)}
.bg-navy{
  background:
    radial-gradient(900px 480px at 85% -10%, rgba(198,160,88,.16), transparent 60%),
    linear-gradient(160deg,#0e1b31 0%, #12213d 60%, #16274a 100%);
  color:#dbe2ee;
}
.bg-navy h2,.bg-navy h3{color:#fff}
@media (max-width:640px){.section{padding:68px 0}}

/* ============ SERVICE CARDS ============ */
.services-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.svc{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:30px 28px;box-shadow:var(--shadow);
  transition:transform .18s ease, box-shadow .18s ease;
  display:flex;flex-direction:column;gap:14px;position:relative;overflow:hidden;
}
.svc:hover{transform:translateY(-4px);box-shadow:var(--shadow-hover)}
.svc-ico{
  width:52px;height:52px;border-radius:15px;background:var(--gold-tint);
  display:flex;align-items:center;justify-content:center;color:var(--gold-deep);flex:none;
}
.svc h3{font-size:var(--fs-h3);font-weight:600}
.svc p{font-size:.95rem;color:var(--ink-muted)}
.svc-featured{
  grid-column:span 2;
  background:linear-gradient(120deg,#0e1b31 0%, #16274a 58%, #1d3158 100%);
  border:1px solid #2a3c60;
  justify-content:center;
}
.svc-featured h3{color:#fff;font-size:1.5rem}
.svc-featured p{color:#c4cede;max-width:52ch;font-size:1rem}
.svc-featured .svc-ico{background:rgba(198,160,88,.16);color:var(--gold)}
.svc-tag{
  position:absolute;top:22px;right:24px;background:var(--gold);color:var(--navy);
  font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;
  padding:6px 13px;border-radius:999px;
}
.svc-featured .shield-wm{
  position:absolute;right:-30px;bottom:-46px;width:220px;opacity:.14;pointer-events:none;
}
.svc-es{background:linear-gradient(150deg,#fff 55%, #fdf6e8 100%)}
@media (max-width:960px){
  .services-grid{grid-template-columns:1fr 1fr}
  .svc-featured{grid-column:span 2}
}
@media (max-width:620px){
  .services-grid{grid-template-columns:1fr}
  .svc-featured{grid-column:span 1}
  .svc-featured .shield-wm{width:170px}
}

/* ============ WHY BROKER (photo + numbered list) ============ */
.why-grid{display:grid;grid-template-columns:1.02fr 1fr;gap:60px;align-items:center}
.why-photo{position:relative}
.why-photo img{border-radius:26px;box-shadow:var(--shadow-lg);width:100%;height:520px;object-fit:cover}
.why-chip{
  position:absolute;left:24px;bottom:24px;background:rgba(255,255,255,.96);
  border-radius:16px;padding:14px 20px;box-shadow:var(--shadow);
  display:flex;align-items:center;gap:12px;border:1px solid var(--line);
}
.why-chip svg{color:var(--gold-deep);flex:none}
.why-chip strong{display:block;color:var(--navy);font-size:.92rem;line-height:1.25}
.why-chip small{color:var(--ink-muted);font-size:.8rem}
.why-list{list-style:none;display:flex;flex-direction:column;gap:26px}
.why-list li{display:flex;gap:20px}
.why-num{
  flex:none;width:52px;height:52px;border-radius:50%;background:var(--gold-tint);
  border:2px solid var(--gold);color:var(--navy);
  font-family:var(--font-display);font-weight:700;font-size:1.25rem;
  display:flex;align-items:center;justify-content:center;
}
.why-list h3{font-size:1.18rem;font-weight:600;margin-bottom:5px}
.why-list p{font-size:.96rem;color:var(--ink-muted)}
@media (max-width:920px){
  .why-grid{grid-template-columns:1fr;gap:44px}
  .why-photo img{height:380px}
}

/* ============ PROCESS (numbered timeline) ============ */
.process-list{list-style:none;max-width:780px;margin:0 auto;position:relative;counter-reset:step}
.process-list::before{
  content:"";position:absolute;left:29px;top:16px;bottom:16px;width:2px;
  background:linear-gradient(var(--gold) 0%, #e5d4ae 100%);border-radius:2px;
}
.process-list li{counter-increment:step;position:relative;padding:0 0 38px 92px}
.process-list li:last-child{padding-bottom:0}
.process-list li::before{
  content:counter(step);
  position:absolute;left:0;top:-4px;width:60px;height:60px;border-radius:50%;
  background:#fff;border:2.5px solid var(--gold);color:var(--navy);
  font-family:var(--font-display);font-weight:700;font-size:1.45rem;
  display:flex;align-items:center;justify-content:center;
  box-shadow:0 6px 18px rgba(198,160,88,.28);
}
.process-list h3{font-size:var(--fs-h3);font-weight:600;margin-bottom:6px;padding-top:8px}
.process-list p{font-size:.97rem;color:var(--ink-muted);max-width:56ch}
@media (max-width:560px){
  .process-list::before{left:23px}
  .process-list li{padding-left:72px}
  .process-list li::before{width:48px;height:48px;font-size:1.2rem;top:0}
}

/* ============ CALCULATOR TILES (link grid) ============ */
.calc-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:18px}
.calc-tile{
  background:#fff;border:1px solid var(--line);border-radius:18px;padding:26px 20px 22px;
  text-decoration:none;box-shadow:var(--shadow);text-align:center;
  display:flex;flex-direction:column;align-items:center;gap:12px;
  transition:transform .18s ease, box-shadow .18s ease, border-color .18s;
}
.calc-tile:hover{transform:translateY(-4px);border-color:var(--gold);box-shadow:var(--shadow-hover)}
.calc-ico{width:54px;height:54px;border-radius:50%;background:var(--gold-tint);display:flex;align-items:center;justify-content:center;color:var(--gold-deep)}
.calc-tile strong{color:var(--navy);font-size:.99rem;line-height:1.3}
.calc-tile span{font-size:.82rem;color:var(--gold-deep);font-weight:600}
.calc-note{
  text-align:center;margin-top:26px;color:var(--ink-muted);font-size:.95rem;
  display:flex;align-items:center;justify-content:center;gap:9px;
}
.calc-note svg{color:var(--gold-deep)}
@media (max-width:940px){.calc-grid{grid-template-columns:repeat(3,1fr)}}
@media (max-width:600px){.calc-grid{grid-template-columns:repeat(2,1fr)}}

/* ============ CALCULATOR UI PRIMITIVES ============
   Shared by every calculator page. Markup contract lives in
   src/partials/calc-wrapper.md - read it before building a calculator. */
.calc{max-width:980px;margin:0 auto}
.calc-panel{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  box-shadow:var(--shadow);padding:34px 32px;
}
.calc-layout{display:grid;grid-template-columns:1.05fr .95fr;gap:28px;align-items:start}
@media (max-width:860px){.calc-layout{grid-template-columns:1fr}}

/* input rows: label + numeric input + slider */
.field{display:flex;flex-direction:column;gap:8px;margin-bottom:22px}
.field>label{font-weight:600;color:var(--navy);font-size:.95rem}
.field .hint{font-size:.82rem;color:var(--ink-muted)}
.field input[type="text"],.field input[type="number"],.field input[type="email"],
.field input[type="tel"],.field select,.field textarea{
  font:inherit;color:var(--navy);background:#fff;
  border:1.5px solid #d8cfba;border-radius:12px;padding:12px 14px;width:100%;
}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--gold)}
.input-row{display:flex;align-items:center;gap:14px}
.input-row input[type="number"],.input-row input[type="text"]{max-width:180px}
.input-row .unit{font-weight:600;color:var(--ink-muted);font-size:.9rem;flex:none}
.field input[type="range"]{
  width:100%;accent-color:var(--gold);height:6px;cursor:pointer;
}

/* toggle pills (frequency, loan type, state...) */
.toggle-pills{display:inline-flex;flex-wrap:wrap;gap:8px;padding:5px;background:var(--gold-tint);border-radius:999px}
.toggle-pills label{position:relative;cursor:pointer}
.toggle-pills input{position:absolute;opacity:0;inset:0;cursor:pointer}
.toggle-pills .pill-face{
  display:inline-block;padding:9px 20px;border-radius:999px;font-weight:600;font-size:.92rem;
  color:var(--navy);transition:background .15s, color .15s;
}
.toggle-pills input:checked+.pill-face{background:var(--navy);color:#fff}
.toggle-pills input:focus-visible+.pill-face{outline:3px solid var(--gold);outline-offset:2px}

/* result panels */
.calc-results{display:flex;flex-direction:column;gap:16px}
.result-panel{
  background:linear-gradient(120deg,#0e1b31 0%, #16274a 70%);color:#fff;
  border-radius:var(--radius);padding:26px 28px;box-shadow:var(--shadow);
}
.result-panel .result-label{font-size:.82rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#c9b27e}
.result-panel .result-value{font-family:var(--font-display);font-size:clamp(1.9rem,3.5vw,2.6rem);font-weight:700;color:#fff;line-height:1.1}
.result-panel .result-sub{font-size:.9rem;color:#c4cede;margin-top:6px}
.result-panel.alt{background:var(--gold-tint);color:var(--navy);border:1px solid var(--line)}
.result-panel.alt .result-label{color:var(--gold-deep)}
.result-panel.alt .result-value,.result-panel.alt .result-sub{color:var(--navy)}
.result-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media (max-width:600px){.result-grid{grid-template-columns:1fr}}

/* results table (amortisation schedule, comparison...) */
.calc-table-scroll{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius-sm)}
table.calc-table{width:100%;border-collapse:collapse;font-size:.92rem;background:#fff}
.calc-table th,.calc-table td{padding:11px 14px;text-align:right;border-bottom:1px solid var(--line);white-space:nowrap}
.calc-table th:first-child,.calc-table td:first-child{text-align:left}
.calc-table thead th{
  background:var(--cream);color:var(--navy);font-weight:700;font-size:.8rem;
  letter-spacing:.06em;text-transform:uppercase;position:sticky;top:0;
}
.calc-table tbody tr:last-child td{border-bottom:none}
.calc-table tbody tr:nth-child(even){background:#fcfaf6}

/* compliance: always-visible inline disclaimer under results */
.calc-disclaimer{
  font-size:.85rem;color:var(--ink-muted);line-height:1.6;
  border-left:4px solid var(--gold);background:var(--gold-tint);
  padding:14px 18px;border-radius:0 var(--radius-sm) var(--radius-sm) 0;
  margin-top:18px;
}

/* assumptions accordion */
details.assumptions{
  margin-top:16px;border:1px solid var(--line);border-radius:var(--radius-sm);
  background:#fff;
}
details.assumptions>summary{
  cursor:pointer;font-weight:700;color:var(--navy);padding:16px 20px;
  list-style:none;display:flex;align-items:center;gap:10px;
}
details.assumptions>summary::-webkit-details-marker{display:none}
details.assumptions>summary::after{
  content:"";margin-left:auto;width:9px;height:9px;flex:none;
  border-right:2.5px solid var(--gold-deep);border-bottom:2.5px solid var(--gold-deep);
  transform:rotate(45deg);transition:transform .18s;
}
details.assumptions[open]>summary::after{transform:rotate(225deg)}
.assumptions-body{padding:4px 20px 20px;border-top:1px solid var(--line)}
.assumptions-body p{font-size:.9rem;color:var(--ink-muted);margin:12px 0}
.assumptions-body .field{margin-bottom:14px}

/* print / save actions */
.calc-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:20px}

/* ============ BADGES / TAGS ============ */
.sample-tag{
  display:inline-block;background:#fdf3dc;border:1px solid #ecd9a8;color:#79591a;
  font-size:.72rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;
  padding:6px 14px;border-radius:999px;margin-top:16px;
}
.pill{
  background:var(--gold-tint);color:var(--gold-deep);font-weight:700;padding:4px 11px;
  border-radius:999px;font-size:.72rem;letter-spacing:.06em;text-transform:uppercase;
}

/* ============ REVIEWS MARQUEE ============ */
.marquee{
  overflow:hidden;margin-top:44px;
  -webkit-mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);
  mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);
}
.marquee-track{display:flex;gap:22px;width:max-content;animation:scrollx 52s linear infinite}
.marquee:hover .marquee-track{animation-play-state:paused}
@keyframes scrollx{to{transform:translateX(-50%)}}
@media (prefers-reduced-motion:reduce){
  .marquee{overflow-x:auto;mask-image:none;-webkit-mask-image:none}
  .marquee-track{animation:none}
  html{scroll-behavior:auto}
  .btn:hover,.svc:hover,.calc-tile:hover,.news-card:hover,.contact-card:hover{transform:none}
}
.review-card{
  width:340px;flex:none;background:#fff;border:1px solid var(--line);border-radius:18px;
  padding:24px 26px;box-shadow:var(--shadow);display:flex;flex-direction:column;gap:12px;
}
.review-stars{color:#b97f13;letter-spacing:2px;font-size:1.02rem}
.review-card p{font-size:.93rem;color:#46536e}
.review-who{display:flex;align-items:center;gap:11px;margin-top:auto}
.review-ava{
  width:38px;height:38px;border-radius:50%;background:var(--navy);color:#fff;flex:none;
  display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.95rem;
}
.review-who strong{color:var(--navy);font-size:.92rem;display:block;line-height:1.2}
.review-who small{font-size:.78rem;color:var(--ink-muted);display:flex;align-items:center;gap:5px}

/* ============ NEWS CARDS ============ */
.news-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.news-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;
  box-shadow:var(--shadow);display:flex;flex-direction:column;
  transition:transform .18s ease, box-shadow .18s ease;
}
.news-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-hover)}
.news-card img{height:210px;width:100%;object-fit:cover}
.news-body{padding:24px 26px 26px;display:flex;flex-direction:column;gap:10px;flex:1}
.news-meta{display:flex;gap:10px;align-items:center;font-size:.8rem;color:var(--ink-muted)}
.news-body h3{font-size:1.12rem;font-weight:600;line-height:1.35}
.news-body p{font-size:.92rem;color:var(--ink-muted)}
.news-link{
  margin-top:auto;padding-top:8px;font-weight:700;font-size:.9rem;color:var(--gold-deep);
  text-decoration:none;display:inline-flex;align-items:center;gap:7px;
}
.news-link:hover{text-decoration:underline}
@media (max-width:900px){.news-grid{grid-template-columns:1fr;max-width:560px;margin:0 auto}}

/* ============ BANNER CTA (photo card, e.g. health check) ============ */
.hc-banner{
  position:relative;border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-lg);
  min-height:460px;display:flex;align-items:flex-end;
}
.hc-banner>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.hc-scrim{position:absolute;inset:0;background:
  linear-gradient(to top, rgba(11,21,38,.88) 0%, rgba(11,21,38,.5) 45%, rgba(11,21,38,.16) 74%, rgba(11,21,38,0) 95%)}
.hc-content{position:relative;padding:56px;color:#fff;max-width:640px}
.hc-content .kicker{text-shadow:0 1px 2px rgba(11,21,38,.85), 0 2px 12px rgba(11,21,38,.7)}
.hc-content h2{color:#fff;font-size:clamp(1.7rem,3.2vw,2.45rem);font-weight:600;margin-bottom:14px;
  text-shadow:0 2px 6px rgba(11,21,38,.5)}
.hc-content p{color:#eef2f8;font-size:1.05rem;margin-bottom:28px;max-width:48ch;
  text-shadow:0 1px 4px rgba(11,21,38,.55)}
.hc-ctas{display:flex;gap:14px;flex-wrap:wrap}
@media (max-width:640px){
  .hc-content{padding:34px 26px}
  /* on small screens the text fills the card, so the scrim covers it all (still light at top) */
  .hc-scrim{background:linear-gradient(to top, rgba(11,21,38,.8) 0%, rgba(11,21,38,.55) 45%, rgba(11,21,38,.35) 100%)}
}

/* ============ ABOUT / CONTACT (navy section) ============ */
.about-solo{max-width:760px;margin:0 auto;text-align:center}
.about-solo .bio{margin-left:auto;margin-right:auto}
.bg-navy .bio{font-size:1.04rem;color:#c4cede;max-width:58ch;margin-bottom:12px}
.bg-navy .bio strong{color:#fff}
.contact-row{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:34px}
.contact-card{
  background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.16);border-radius:16px;
  padding:20px;text-decoration:none;display:flex;flex-direction:column;gap:10px;
  transition:background .18s, transform .18s;
}
.contact-card:hover{background:rgba(255,255,255,.12);transform:translateY(-3px)}
.contact-card .cc-ico{
  width:42px;height:42px;border-radius:12px;display:flex;align-items:center;justify-content:center;
  background:rgba(198,160,88,.18);color:var(--gold);
}
.contact-card.wa .cc-ico{background:rgba(37,211,102,.16);color:#4be081}
.contact-card small{color:#93a1ba;font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;font-weight:700}
.contact-card strong{color:#fff;font-size:.98rem;word-break:break-word}
@media (max-width:920px){
  .contact-row{grid-template-columns:1fr;max-width:420px;margin-left:auto;margin-right:auto}
}

/* ============ FOOTER ============ */
footer.site-footer{background:var(--navy-deep);color:#9aa7bf;padding:64px 0 36px;font-size:.9rem}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:48px;margin-bottom:44px}
.footer-brand{display:flex;align-items:center;justify-content:center;gap:12px;margin-bottom:16px;text-align:center}
.footer-grid > div:first-child{text-align:center}
.footer-grid > div:first-child .footer-social{justify-content:center}
.footer-brand img{width:44px}
.footer-brand .b1{font-family:var(--font-display);font-weight:700;font-size:1.15rem;color:#fff;line-height:1.05}
.footer-brand .b2{font-size:.64rem;font-weight:700;letter-spacing:.34em;color:var(--gold);text-transform:uppercase}
.site-footer h3{color:#fff;font-family:var(--font-body);font-size:.82rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:16px}
.site-footer ul{list-style:none}
.site-footer li{margin-bottom:9px}
.site-footer a{color:#b9c3d6;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.footer-contact li{display:flex;gap:9px;align-items:flex-start}
.footer-contact svg{flex:none;margin-top:3px;color:var(--gold)}
.footer-social{display:flex;gap:12px;margin-top:18px}
.footer-social a{
  width:38px;height:38px;border-radius:10px;display:flex;align-items:center;justify-content:center;
  background:rgba(255,255,255,.08);color:#c9d2e2;transition:background .15s;
}
.footer-social a:hover{background:rgba(198,160,88,.28);color:#fff}
.compliance{border-top:1px solid #1d2c47;padding-top:26px;font-size:.8rem;line-height:1.7;color:#8f9cb5}
.legal-links{margin:18px 0 8px;display:flex;flex-wrap:wrap;gap:8px 6px;align-items:center;color:#8f9cb5}
.legal-links a{color:#b9c3d6}
.copyright{font-size:.8rem;color:#8f9cb5}
@media (max-width:820px){.footer-grid{grid-template-columns:1fr;gap:34px}}

/* ============ WHATSAPP BUBBLE ============ */
.wa-bubble{
  position:fixed;right:22px;bottom:22px;z-index:150;
  display:flex;align-items:center;gap:0;
  background:var(--wa-green);color:#fff;text-decoration:none;
  border-radius:999px;padding:15px;
  box-shadow:0 10px 28px rgba(17,94,52,.45);
  transition:box-shadow .2s ease, transform .2s ease;
}
.wa-bubble svg{width:30px;height:30px;flex:none}
.wa-label{
  max-width:0;overflow:hidden;white-space:nowrap;font-weight:700;font-size:.95rem;
  transition:max-width .3s ease, padding .3s ease;
}
.wa-bubble:hover,.wa-bubble:focus-visible{transform:translateY(-2px);box-shadow:0 14px 34px rgba(17,94,52,.55)}
.wa-bubble:hover .wa-label,.wa-bubble:focus-visible .wa-label{max-width:180px;padding:0 6px 0 12px}

/* ============ PROSE (news articles, legal pages) ============ */
.prose{max-width:720px;margin:0 auto}
.prose h2{font-size:1.6rem;margin:44px 0 14px}
.prose h3{font-size:1.2rem;margin:32px 0 10px}
.prose p{margin:0 0 18px}
.prose ul,.prose ol{margin:0 0 18px 24px}
.prose li{margin-bottom:8px}
.prose blockquote{border-left:4px solid var(--gold);padding:6px 0 6px 20px;color:var(--ink-muted);margin:0 0 18px}

/* ============ PRINT (calculator results, articles) ============ */
@media print{
  .site-header,.site-footer,.wa-bubble,.calc-actions,.hero,.page-hero,
  .marquee,.hc-banner,nav{display:none!important}
  body{background:#fff;color:#000;font-size:11pt}
  .calc-panel,.result-panel,.calc-disclaimer{box-shadow:none;border:1px solid #999}
  .result-panel{background:#fff!important;color:#000}
  .result-panel .result-value,.result-panel .result-sub,.result-panel .result-label{color:#000}
  details.assumptions{display:block}
  details.assumptions>summary{list-style:none}
  details.assumptions::details-content{content-visibility:visible}
  a[href^="http"]::after{content:""}
  .section{padding:12pt 0}
}