/* =========================================================================
   FinCraft — design system
   Navy and sky from the logo, with a warm gold reserved exclusively for
   conversion actions so a CTA is never competing with decoration.
   ========================================================================= */

:root {
	/* Brand */
	--navy-900: #071e3f;
	--navy-800: #0b2e5f;
	--navy-700: #12417f;
	--navy-600: #1a539d;
	--sky-400:  #7cbeeb;
	--sky-300:  #a8d4f2;
	--sky-200:  #cde5f8;
	--sky-100:  #e8f2fb;
	--gold-600: #cf8b1f;
	--gold-500: #e8a33d;
	--gold-300: #f6d9a8;
	--green-600:#0d8542;
	--green-500:#12a150;

	/* Neutrals */
	--ink:      #0f172a;
	--body:     #35435c;
	--muted:    #5b6b82;
	--line:     #e3eaf3;
	--surface:  #f6f9fc;
	--white:    #ffffff;

	/* Type */
	--font-head: 'Plus Jakarta Sans', 'Montserrat', system-ui, -apple-system, sans-serif;
	--font-body: 'Inter', system-ui, -apple-system, 'Segoe UI', sans-serif;

	/* Space + shape */
	--container: 1200px;
	--narrow: 780px;
	--gutter: clamp(1.25rem, 4vw, 2.5rem);
	--radius-sm: 10px;
	--radius: 16px;
	--radius-lg: 24px;

	--shadow-sm: 0 1px 2px rgba(11, 46, 95, .06), 0 2px 8px rgba(11, 46, 95, .05);
	--shadow:    0 4px 12px rgba(11, 46, 95, .07), 0 12px 32px rgba(11, 46, 95, .07);
	--shadow-lg: 0 8px 24px rgba(11, 46, 95, .1), 0 24px 64px rgba(11, 46, 95, .12);

	--ease: cubic-bezier(.4, 0, .2, 1);
}

/* -------------------------------------------------------------------------
   Base
   ---------------------------------------------------------------------- */

*, *::before, *::after { box-sizing: border-box; }

html {
	scroll-behavior: smooth;
	scroll-padding-top: 96px;
	-webkit-text-size-adjust: 100%;
	/* clip, not hidden: clips stray horizontal overflow without turning <html>
	   into a scroll container, so the sticky header keeps working. */
	overflow-x: clip;
}

@media (prefers-reduced-motion: reduce) {
	html { scroll-behavior: auto; }
	*, *::before, *::after {
		animation-duration: .01ms !important;
		animation-iteration-count: 1 !important;
		transition-duration: .01ms !important;
	}
}

body {
	margin: 0;
	font-family: var(--font-body);
	font-size: 1.0625rem;
	line-height: 1.65;
	color: var(--body);
	background: var(--white);
	-webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6 {
	font-family: var(--font-head);
	color: var(--ink);
	line-height: 1.18;
	letter-spacing: -.02em;
	margin: 0 0 .6em;
	text-wrap: balance;
}

h1 { font-size: clamp(2.1rem, 1.4rem + 3vw, 3.6rem); font-weight: 800; }
h2 { font-size: clamp(1.65rem, 1.2rem + 1.9vw, 2.5rem); font-weight: 700; }
h3 { font-size: clamp(1.15rem, 1rem + .6vw, 1.4rem); font-weight: 700; }

p { margin: 0 0 1.15em; }
p:last-child { margin-bottom: 0; }

a { color: var(--navy-700); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--navy-600); }

img, svg, video { max-width: 100%; height: auto; display: block; }

:focus-visible {
	outline: 3px solid var(--sky-400);
	outline-offset: 2px;
	border-radius: 4px;
}

.sr-only {
	position: absolute !important;
	width: 1px; height: 1px;
	padding: 0; margin: -1px;
	overflow: hidden; clip: rect(0 0 0 0);
	white-space: nowrap; border: 0;
}

.skip-link {
	position: absolute; left: -9999px; top: 0; z-index: 999;
	background: var(--navy-800); color: #fff;
	padding: .75rem 1.25rem; border-radius: 0 0 var(--radius-sm) 0;
	font-weight: 600; text-decoration: none;
}
.skip-link:focus { left: 0; color: #fff; }

.container {
	width: 100%;
	max-width: var(--container);
	margin-inline: auto;
	padding-inline: var(--gutter);
}
.container--narrow { max-width: var(--narrow); }

.icon { width: 1.25em; height: 1.25em; flex: none; }

/* -------------------------------------------------------------------------
   Buttons
   ---------------------------------------------------------------------- */

/* Sized so the rendered height lands at ~44px — the minimum reliable touch
   target. Trimming further would look tidier on desktop and be worse on a
   phone, which is where most of this traffic is. */
.btn {
	display: inline-flex; align-items: center; justify-content: center; gap: .45rem;
	font-family: var(--font-head);
	font-size: .925rem; font-weight: 700; line-height: 1;
	padding: .8125rem 1.35rem;
	border: 1.5px solid transparent;
	border-radius: 999px;
	text-decoration: none;
	cursor: pointer;
	transition: transform .18s var(--ease), box-shadow .18s var(--ease), background-color .18s var(--ease), color .18s var(--ease), border-color .18s var(--ease);
	white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }
.btn .icon { width: 1.05em; height: 1.05em; }

.btn--lg { padding: .9375rem 1.7rem; font-size: .99rem; }
.btn--sm { padding: .7rem 1.1rem; font-size: .875rem; min-height: 44px; }
.btn--block { display: flex; width: 100%; }

.btn--primary {
	background: var(--navy-800); color: #fff;
	box-shadow: 0 4px 14px rgba(11, 46, 95, .25);
}
.btn--primary:hover { background: var(--navy-700); color: #fff; box-shadow: 0 8px 22px rgba(11, 46, 95, .32); }

.btn--gold {
	background: var(--gold-500); color: var(--navy-900);
	box-shadow: 0 4px 14px rgba(207, 139, 31, .35);
}
.btn--gold:hover { background: var(--gold-300); color: var(--navy-900); }

.btn--ghost {
	background: var(--white); color: var(--navy-800);
	border-color: var(--line);
	box-shadow: var(--shadow-sm);
}
.btn--ghost:hover { border-color: var(--sky-400); color: var(--navy-700); background: var(--sky-100); }

.btn--outline-light {
	background: transparent; color: #fff;
	border-color: rgba(255, 255, 255, .45);
}
.btn--outline-light:hover { background: rgba(255, 255, 255, .12); color: #fff; border-color: #fff; }

.btn[disabled] { opacity: .55; cursor: not-allowed; transform: none; }

/* -------------------------------------------------------------------------
   Topbar + header
   ---------------------------------------------------------------------- */

.topbar {
	background: var(--navy-900);
	color: var(--sky-200);
	font-size: .85rem;
}
.topbar__inner {
	display: flex; align-items: center; justify-content: space-between;
	gap: 1rem; min-height: 42px; flex-wrap: wrap;
}
.topbar__rate { display: flex; align-items: center; gap: .5rem; margin: 0; }
.topbar__rate .icon { width: 1rem; height: 1rem; color: var(--sky-400); }
.topbar__rate strong { color: #fff; }
.topbar__contact { display: flex; gap: 1.25rem; }
.topbar__contact a {
	display: inline-flex; align-items: center; gap: .4rem;
	color: var(--sky-200); text-decoration: none;
}
.topbar__contact a:hover { color: #fff; }
.topbar__contact .icon { width: 1rem; height: 1rem; }

@media (max-width: 700px) {
	/* Keep the phone number visible and give it a real tap target — calling is
	   the most valuable action on a mobile finance site, and collapsing it to a
	   bare 16px icon made it almost untappable. The email link drops instead;
	   it is repeated in the footer and on the contact page. */
	.topbar__contact a[href^="mailto:"] { display: none; }
	.topbar__contact a {
		min-height: 44px;
		padding-inline: .25rem;
	}

	/* Forced onto one line. Left to wrap, this bar grew to 81px and pushed the
	   whole page — and the open menu panel — down by an extra 40px, which is
	   what tipped the nav off-screen on shorter handsets. The rate label
	   truncates before it is ever allowed to take a second line. */
	.topbar__inner {
		min-height: 44px;
		flex-wrap: nowrap;
		gap: .75rem;
	}
	.topbar__rate {
		font-size: .78rem;
		min-width: 0;
		overflow: hidden;
		white-space: nowrap;
	}
	.topbar__rate span {
		overflow: hidden;
		text-overflow: ellipsis;
	}
	.topbar__contact { flex: none; }
}

.site-header {
	position: sticky; top: 0; z-index: 100;
	background: rgba(255, 255, 255, .88);
	backdrop-filter: saturate(180%) blur(14px);
	border-bottom: 1px solid var(--line);
}
.site-header.is-stuck { box-shadow: var(--shadow-sm); }

.site-header__inner {
	display: flex; align-items: center; justify-content: space-between;
	gap: 1.5rem; min-height: 76px;
}

/* The inlined logo draws its primary elements in currentColor, so setting
   `color` here is what makes it navy on the light header. The footer sets
   white. One file, correct contrast in both places.

   --fc-logo-accent deepens the pale brand blue from #A8D4F2 to #7CBEEB on
   light backgrounds only: at 44px the original washes out to 1.6:1 against
   white. On the navy footer the true brand blue is left alone (10.6:1).
   To keep exact brand colour everywhere, delete the --fc-logo-accent line. */
.site-header__brand {
	display: flex; align-items: center; text-decoration: none;
	color: var(--navy-800);
	--fc-logo-accent: var(--sky-400);
}
.site-header__brand:hover { color: var(--navy-700); }
.site-header__brand svg,
.site-header__brand img { height: 44px; width: auto; }

.primary-nav { display: flex; align-items: center; gap: 1.75rem; }

/* The header CTA is navigation chrome, not a page CTA — it sat noticeably
   heavier than the links beside it. Tighter, but still a 44px tap target. */
.primary-nav__cta .btn {
	font-size: .875rem;
	padding: .75rem 1.2rem;
	min-height: 44px;
}

.primary-nav__list {
	display: flex; align-items: center; gap: 1.6rem;
	list-style: none; margin: 0; padding: 0;
}
.primary-nav__list a {
	font-family: var(--font-head);
	font-size: .95rem; font-weight: 600;
	color: var(--navy-900); text-decoration: none;
	padding: .35rem 0;
	position: relative;
}
.primary-nav__list a::after {
	content: ''; position: absolute; left: 0; right: 100%; bottom: 0;
	height: 2px; background: var(--sky-400); border-radius: 2px;
	transition: right .22s var(--ease);
}
.primary-nav__list a:hover::after,
.primary-nav__list .current-menu-item > a::after { right: 0; }
.primary-nav__list .current-menu-item > a { color: var(--navy-700); }

/* Dropdowns */
.primary-nav__list .sub-menu {
	position: absolute; top: 100%; left: 0; z-index: 20;
	min-width: 230px; padding: .5rem;
	list-style: none; margin: .5rem 0 0;
	background: #fff; border: 1px solid var(--line);
	border-radius: var(--radius); box-shadow: var(--shadow);
	opacity: 0; visibility: hidden; transform: translateY(6px);
	transition: all .18s var(--ease);
}
.primary-nav__list .menu-item-has-children { position: relative; }
.primary-nav__list .menu-item-has-children:hover > .sub-menu,
.primary-nav__list .menu-item-has-children:focus-within > .sub-menu {
	opacity: 1; visibility: visible; transform: translateY(0);
}
.primary-nav__list .sub-menu a {
	display: block; padding: .6rem .75rem; border-radius: var(--radius-sm);
}
.primary-nav__list .sub-menu a::after { display: none; }
.primary-nav__list .sub-menu a:hover { background: var(--sky-100); }

.nav-toggle {
	display: none;
	background: none; border: 0; cursor: pointer;
	width: 44px; height: 44px; padding: 10px;
	border-radius: var(--radius-sm);
}
.nav-toggle__bars { display: block; position: relative; height: 100%; }
.nav-toggle__bars span {
	position: absolute; left: 0; right: 0; height: 2px;
	background: var(--navy-900); border-radius: 2px;
	transition: transform .22s var(--ease), opacity .18s var(--ease);
}
.nav-toggle__bars span:nth-child(1) { top: 2px; }
.nav-toggle__bars span:nth-child(2) { top: 50%; margin-top: -1px; }
.nav-toggle__bars span:nth-child(3) { bottom: 2px; }
.nav-toggle[aria-expanded="true"] .nav-toggle__bars span:nth-child(1) { transform: translateY(9px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] .nav-toggle__bars span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] .nav-toggle__bars span:nth-child(3) { transform: translateY(-9px) rotate(-45deg); }

@media (max-width: 1000px) {
	.nav-toggle { display: block; }

	/* backdrop-filter on an ancestor makes position:fixed resolve against THAT
	   ancestor instead of the viewport. With it on .site-header, this panel was
	   being laid out inside a 77px-tall box: it collapsed, showed one menu item
	   floating over the page, and could not be dismissed. Dropped below 1000px,
	   where the panel genuinely needs viewport-fixed positioning. */
	.site-header {
		backdrop-filter: none;
		-webkit-backdrop-filter: none;
		background: #fff;
	}

	/* Closed panel is display:none rather than translated off-screen — a
	   fixed element parked at translateX(100%) still widens the document and
	   gives every phone a horizontal scrollbar. The slide-in is an animation
	   on open instead, so nothing is ever positioned outside the viewport.

	   inset:0 with a JS-measured padding-top, not a hardcoded offset: the top
	   bar wraps to two lines on narrow screens, so the chrome height varies. */
	.primary-nav {
		display: none;
		position: fixed; inset: 0;
		z-index: 95;
		flex-direction: column; align-items: stretch; justify-content: flex-start;
		gap: 0; padding: 1.5rem var(--gutter) 3rem;
		background: #fff; overflow-y: auto;
		-webkit-overflow-scrolling: touch;
	}
	.primary-nav.is-open {
		display: flex;
		animation: fc-nav-in .28s var(--ease);
	}
	@keyframes fc-nav-in {
		from { transform: translateX(100%); }
		to   { transform: translateX(0); }
	}
	.primary-nav__list { flex-direction: column; align-items: stretch; gap: 0; }
	.primary-nav__list > li { border-bottom: 1px solid var(--line); }
	/* 16px / 12px puts all seven items plus the CTA on screen without
	   scrolling, down to a 667px-tall iPhone SE. At the previous 17.6px / 16px
	   the last item and the button fell below the fold on smaller handsets and
	   people simply did not know they were there. Each row is still ~51px, well
	   above the 44px touch minimum. */
	.primary-nav__list a { display: block; padding: .75rem 0; font-size: 1rem; }
	.primary-nav__list a::after { display: none; }
	.primary-nav__list .sub-menu {
		position: static; opacity: 1; visibility: visible; transform: none;
		border: 0; box-shadow: none; padding: 0 0 .5rem 1rem; margin: 0;
	}
	.primary-nav__cta { margin-top: 1.1rem; }
	.primary-nav__cta .btn { width: 100%; }
	body.nav-open { overflow: hidden; }
}

/* -------------------------------------------------------------------------
   Hero
   ---------------------------------------------------------------------- */

.hero {
	position: relative;
	background: linear-gradient(165deg, var(--navy-900) 0%, var(--navy-800) 46%, var(--navy-700) 100%);
	color: #fff;
	overflow: hidden;
	padding-block: clamp(3.5rem, 7vw, 6.5rem) clamp(4rem, 8vw, 7rem);
}

/* Orbit motif — a scaled echo of the logo mark. */
.hero__bg {
	position: absolute; inset: 0;
	background-image:
		radial-gradient(60rem 40rem at 78% 18%, rgba(168, 212, 242, .16), transparent 62%),
		radial-gradient(44rem 44rem at 8% 92%, rgba(124, 190, 235, .12), transparent 60%);
	pointer-events: none;
}
.hero__bg::before,
.hero__bg::after {
	content: '';
	position: absolute;
	border-radius: 50%;
	border: 1px solid rgba(168, 212, 242, .22);
}
.hero__bg::before {
	width: 46rem; height: 46rem;
	right: -14rem; top: -12rem;
	border-top-color: rgba(168, 212, 242, .55);
	border-right-color: rgba(168, 212, 242, .55);
}
.hero__bg::after {
	width: 34rem; height: 34rem;
	right: -8rem; top: -5rem;
	border-bottom-color: rgba(255, 255, 255, .35);
	border-left-color: rgba(255, 255, 255, .35);
}

.hero__inner {
	position: relative;
	display: grid;
	grid-template-columns: minmax(0, 1.08fr) minmax(0, .92fr);
	gap: clamp(2rem, 5vw, 4.5rem);
	align-items: center;
}

.hero__eyebrow {
	display: inline-flex; align-items: center; gap: .6rem;
	font-family: var(--font-head); font-size: .82rem; font-weight: 700;
	letter-spacing: .1em; text-transform: uppercase;
	color: var(--sky-300);
	background: rgba(168, 212, 242, .12);
	border: 1px solid rgba(168, 212, 242, .25);
	padding: .5rem 1rem; border-radius: 999px;
	margin: 0 0 1.5rem;
}
.hero__pulse {
	width: 7px; height: 7px; border-radius: 50%;
	background: var(--sky-300);
	box-shadow: 0 0 0 0 rgba(168, 212, 242, .7);
	animation: fc-pulse 2.4s infinite;
}
@keyframes fc-pulse {
	70%  { box-shadow: 0 0 0 9px rgba(168, 212, 242, 0); }
	100% { box-shadow: 0 0 0 0 rgba(168, 212, 242, 0); }
}

.hero__title {
	color: #fff;
	font-size: clamp(2.3rem, 1.4rem + 3.6vw, 4rem);
	margin-bottom: 1.15rem;
}
.hero__text {
	font-size: clamp(1.05rem, 1rem + .35vw, 1.22rem);
	color: rgba(255, 255, 255, .84);
	max-width: 40ch;
	margin-bottom: 2rem;
}

.hero__actions { display: flex; flex-wrap: wrap; gap: .9rem; margin-bottom: 2.25rem; }

.hero__trust { list-style: none; margin: 0; padding: 0; display: grid; gap: .7rem; }
.hero__trust li {
	display: flex; align-items: center; gap: .65rem;
	font-size: .95rem; color: rgba(255, 255, 255, .82);
}
.hero__trust .icon { color: var(--sky-300); width: 1.15rem; height: 1.15rem; }

.hero__aside { display: grid; gap: 1.25rem; }

.hero__figure { margin: 0; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-lg); }
.hero__figure img { width: 100%; object-fit: cover; }

.hero__card {
	background: rgba(255, 255, 255, .07);
	border: 1px solid rgba(168, 212, 242, .28);
	backdrop-filter: blur(10px);
	border-radius: var(--radius-lg);
	padding: 1.75rem;
}
.hero__card-label {
	font-family: var(--font-head); font-size: .78rem; font-weight: 700;
	letter-spacing: .1em; text-transform: uppercase;
	color: var(--sky-300); margin: 0 0 .5rem;
}
.hero__card-rate { display: flex; align-items: baseline; gap: .6rem; margin-bottom: .85rem; }
.hero__card-value {
	font-family: var(--font-head); font-size: clamp(2.6rem, 2rem + 2vw, 3.4rem);
	font-weight: 800; color: #fff; line-height: 1; letter-spacing: -.03em;
}
.hero__card-unit { font-size: .95rem; color: rgba(255, 255, 255, .7); }
.hero__card-note { font-size: .9rem; color: rgba(255, 255, 255, .72); margin-bottom: 1rem; }
.hero__card-link {
	display: inline-flex; align-items: center; gap: .45rem;
	font-family: var(--font-head); font-weight: 700; font-size: .92rem;
	color: var(--sky-300); text-decoration: none;
}
.hero__card-link:hover { color: #fff; }
.hero__card-link .icon { width: 1rem; height: 1rem; transition: transform .2s var(--ease); }
.hero__card-link:hover .icon { transform: translateX(3px); }

@media (max-width: 900px) {
	.hero__inner { grid-template-columns: minmax(0, 1fr); }
	.hero__text { max-width: none; }
}

/* -------------------------------------------------------------------------
   Lenders strip
   ---------------------------------------------------------------------- */

.lenders { background: var(--white); border-bottom: 1px solid var(--line); padding-block: 1.75rem; }
.lenders__label {
	text-align: center; margin: 0 0 1rem;
	font-family: var(--font-head); font-size: .78rem; font-weight: 700;
	letter-spacing: .12em; text-transform: uppercase; color: var(--muted);
}
/* Nine lenders sit on one line at 1280px with ~30px to spare. The gap and pill
   padding were trimmed slightly to buy that back when SA Home Loans was added —
   at the previous .75rem/1.15rem the row broke onto a second line on standard
   laptops. Font size is untouched, so nothing got harder to read. */
.lenders__list {
	display: flex; flex-wrap: wrap; justify-content: center; align-items: center;
	gap: .6rem; list-style: none; margin: 0; padding: 0;
}
.lenders__list span {
	display: block; padding: .55rem 1rem;
	background: var(--surface); border: 1px solid var(--line);
	border-radius: 999px;
	font-family: var(--font-head); font-weight: 700; font-size: .92rem;
	color: var(--navy-800);
}

/* -------------------------------------------------------------------------
   Sections
   ---------------------------------------------------------------------- */

.section { padding-block: clamp(3.5rem, 7vw, 6rem); }
.section--tinted { background: var(--surface); }

.section__head { max-width: 60ch; margin: 0 auto clamp(2.25rem, 4vw, 3.25rem); text-align: center; }
.section__head--split {
	display: flex; align-items: flex-end; justify-content: space-between; gap: 2rem;
	max-width: none; text-align: left;
}
.section__eyebrow {
	font-family: var(--font-head); font-size: .8rem; font-weight: 700;
	letter-spacing: .12em; text-transform: uppercase;
	color: var(--navy-600); margin: 0 0 .75rem;
}
.section__title { margin-bottom: .75rem; }
.section__lede { font-size: 1.1rem; color: var(--muted); margin: 0; }

@media (max-width: 760px) {
	.section__head--split { flex-direction: column; align-items: flex-start; }
}

/* -------------------------------------------------------------------------
   Page hero
   ---------------------------------------------------------------------- */

.page-hero {
	background: linear-gradient(160deg, var(--navy-900), var(--navy-800));
	color: #fff;
	padding-block: clamp(2.5rem, 5vw, 4rem);
	position: relative; overflow: hidden;
}
.page-hero::after {
	content: ''; position: absolute;
	width: 32rem; height: 32rem; right: -12rem; top: -14rem;
	border-radius: 50%;
	border: 1px solid rgba(168, 212, 242, .2);
	border-top-color: rgba(168, 212, 242, .5);
	pointer-events: none;
}
.page-hero__title { color: #fff; position: relative; margin-bottom: .5rem; }
.page-hero__lede { color: rgba(255, 255, 255, .8); font-size: 1.08rem; max-width: 62ch; margin: 0; position: relative; }
.page-hero__search { margin-top: 1.5rem; max-width: 480px; }

.breadcrumbs { margin-bottom: 1.1rem; font-size: .87rem; position: relative; }
.breadcrumbs ol { display: flex; flex-wrap: wrap; gap: .45rem; list-style: none; margin: 0; padding: 0; }
.breadcrumbs li + li::before { content: '/'; margin-right: .45rem; color: rgba(255, 255, 255, .4); }
.breadcrumbs a { color: var(--sky-300); text-decoration: none; }
.breadcrumbs a:hover { color: #fff; text-decoration: underline; }
.breadcrumbs [aria-current] { color: rgba(255, 255, 255, .72); }

/* -------------------------------------------------------------------------
   Value cards
   ---------------------------------------------------------------------- */

.value__grid,
.services__grid {
	display: grid;
	grid-template-columns: repeat(auto-fit, minmax(min(100%, 260px), 1fr));
	gap: 1.25rem;
}

.value__card {
	background: var(--white);
	border: 1px solid var(--line);
	border-radius: var(--radius-lg);
	padding: 2rem 1.75rem;
	transition: transform .22s var(--ease), box-shadow .22s var(--ease), border-color .22s var(--ease);
}
.value__card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--sky-200); }

.value__icon, .service-card__icon, .service-row__icon {
	display: inline-grid; place-items: center;
	width: 52px; height: 52px; margin-bottom: 1.15rem;
	border-radius: 14px;
	background: linear-gradient(140deg, var(--sky-100), var(--sky-200));
	color: var(--navy-800);
}
.value__icon .icon, .service-card__icon .icon, .service-row__icon .icon { width: 1.5rem; height: 1.5rem; }

.value__title, .service-card__title { margin-bottom: .55rem; }
.value__text, .service-card__text { color: var(--muted); font-size: .98rem; margin: 0; }

/* -------------------------------------------------------------------------
   Service cards
   ---------------------------------------------------------------------- */

.service-card {
	display: flex; flex-direction: column;
	background: var(--white);
	border: 1px solid var(--line);
	border-radius: var(--radius-lg);
	padding: 2rem 1.75rem;
	scroll-margin-top: 110px;
	transition: transform .22s var(--ease), box-shadow .22s var(--ease), border-color .22s var(--ease);
}
.service-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--sky-200); }
.service-card__text { flex: 1; margin-bottom: 1.25rem; }
.service-card__link {
	display: inline-flex; align-items: center; gap: .45rem;
	font-family: var(--font-head); font-weight: 700; font-size: .93rem;
	color: var(--navy-700); text-decoration: none;
}
.service-card__link .icon { width: 1rem; height: 1rem; transition: transform .2s var(--ease); }
.service-card__link:hover .icon { transform: translateX(3px); }

/* Services page rows */
.service-list { display: grid; gap: 1.25rem; }
.service-row {
	display: grid; grid-template-columns: 88px minmax(0, 1fr); gap: 1.75rem;
	background: var(--white); border: 1px solid var(--line);
	border-radius: var(--radius-lg); padding: 2rem;
	scroll-margin-top: 110px;
}
.service-row__aside { display: grid; justify-items: center; gap: .6rem; }
.service-row__num {
	font-family: var(--font-head); font-weight: 800; font-size: 1.1rem;
	color: var(--sky-400);
}
.service-row__icon { margin-bottom: 0; }
.service-row__text { color: var(--muted); margin-bottom: 1.25rem; }

@media (max-width: 640px) {
	.service-row { grid-template-columns: minmax(0, 1fr); gap: 1rem; padding: 1.5rem; }
	.service-row__aside { justify-items: start; grid-auto-flow: column; justify-content: start; align-items: center; }
}

/* -------------------------------------------------------------------------
   Process
   ---------------------------------------------------------------------- */

.process__list {
	list-style: none; margin: 0; padding: 0;
	display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 240px), 1fr));
	gap: 1.75rem;
	counter-reset: step;
}
.process__step { position: relative; padding-top: 1.5rem; }
.process__step::before {
	content: ''; position: absolute; top: 0; left: 0; right: 0;
	height: 3px; border-radius: 3px;
	background: linear-gradient(90deg, var(--sky-400), var(--sky-200));
}
.process__num {
	display: block;
	font-family: var(--font-head); font-weight: 800;
	font-size: 2.25rem; line-height: 1;
	color: var(--sky-300);
	margin-bottom: .75rem;
	letter-spacing: -.04em;
}
.process__title { font-size: 1.15rem; margin-bottom: .5rem; }
.process__text { color: var(--muted); font-size: .97rem; margin: 0; }

/* -------------------------------------------------------------------------
   Stats
   ---------------------------------------------------------------------- */

.stats { background: var(--navy-900); color: #fff; padding-block: clamp(2.5rem, 5vw, 3.5rem); }
.stats__grid {
	display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 200px), 1fr));
	gap: 2rem; margin: 0;
}
.stats__item { text-align: center; }
.stats__value {
	font-family: var(--font-head); font-weight: 800;
	font-size: clamp(2.2rem, 1.6rem + 2vw, 3rem);
	color: var(--sky-300); line-height: 1; letter-spacing: -.03em;
	margin-bottom: .6rem;
}
.stats__label {
	margin: 0; font-size: .92rem; color: rgba(255, 255, 255, .72);
	max-width: 24ch; margin-inline: auto;
}

/* -------------------------------------------------------------------------
   Calculators
   ---------------------------------------------------------------------- */

.calc-stack { display: grid; gap: 2rem; }

.calc {
	background: var(--white);
	border: 1px solid var(--line);
	border-radius: var(--radius-lg);
	box-shadow: var(--shadow-sm);
	overflow: hidden;
	scroll-margin-top: 110px;
}

.calc__head {
	display: flex; align-items: center; gap: 1rem;
	padding: 1.5rem 1.75rem;
	border-bottom: 1px solid var(--line);
	background: linear-gradient(120deg, var(--sky-100), transparent 70%);
}
.calc__icon { width: 2rem; height: 2rem; color: var(--navy-700); flex: none; }
.calc__title { font-size: 1.3rem; margin: 0 0 .2rem; }
.calc__sub { margin: 0; font-size: .95rem; color: var(--muted); }

.calc__body {
	display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, .85fr);
	gap: 0;
}
/* min-width:0 on the grid items, and the tracks above use minmax(0, 1fr).
   Without both, a number input's intrinsic width (~227px) sets a min-content
   floor that pushes these panels wider than the card on small phones. */
.calc__inputs, .calc__results { min-width: 0; }
.calc__inputs { padding: 1.75rem; display: grid; gap: 1.25rem; align-content: start; }

.calc__field label {
	display: block; margin-bottom: .45rem;
	font-family: var(--font-head); font-weight: 600; font-size: .92rem;
	color: var(--ink);
}
.calc__input {
	display: flex; align-items: stretch;
	border: 1.5px solid var(--line); border-radius: var(--radius-sm);
	background: var(--white);
	transition: border-color .18s var(--ease), box-shadow .18s var(--ease);
	overflow: hidden;
}
.calc__input:focus-within { border-color: var(--sky-400); box-shadow: 0 0 0 4px rgba(124, 190, 235, .18); }
.calc__affix {
	display: grid; place-items: center;
	padding-inline: .85rem;
	background: var(--surface);
	border-right: 1px solid var(--line);
	font-weight: 600; font-size: .95rem; color: var(--muted);
}
.calc__affix--end { border-right: 0; border-left: 1px solid var(--line); }
.calc__input input {
	/* width:0 with flex-grow, rather than relying on min-width alone — a bare
	   number input otherwise contributes its default ~20-character width to
	   intrinsic sizing and overflows narrow screens. */
	flex: 1 1 0; width: 0; min-width: 0;
	border: 0; outline: 0; background: transparent;
	padding: .8rem .9rem;
	font-family: var(--font-body); font-size: 1.05rem; font-weight: 600;
	color: var(--ink);
}
.calc__input input::-webkit-outer-spin-button,
.calc__input input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
.calc__input input[type=number] { -moz-appearance: textfield; }

.calc__help { margin: .45rem 0 0; font-size: .84rem; color: var(--muted); line-height: 1.5; }

.calc__field--check label {
	display: flex; align-items: flex-start; gap: .6rem;
	font-weight: 500; font-family: var(--font-body); font-size: .95rem;
	cursor: pointer;
}
.calc__field--check input { margin-top: .2rem; width: 1.05rem; height: 1.05rem; accent-color: var(--navy-700); }

.calc__results {
	padding: 1.75rem;
	background: linear-gradient(165deg, var(--navy-800), var(--navy-900));
	color: #fff;
}
.calc__headline { margin-bottom: 1.5rem; }
.calc__headline-label {
	display: block; font-size: .82rem; font-weight: 700;
	letter-spacing: .1em; text-transform: uppercase;
	color: var(--sky-300); margin-bottom: .4rem;
	font-family: var(--font-head);
}
.calc__headline-value {
	display: block;
	font-family: var(--font-head); font-weight: 800;
	font-size: clamp(1.9rem, 1.4rem + 2vw, 2.6rem);
	line-height: 1.05; letter-spacing: -.03em; color: #fff;
}

.calc__breakdown { margin: 0; display: grid; gap: .1rem; }
.calc__breakdown > div {
	display: flex; align-items: baseline; justify-content: space-between; gap: 1rem;
	padding: .7rem 0;
	border-top: 1px solid rgba(168, 212, 242, .18);
}
.calc__breakdown dt { font-size: .9rem; color: rgba(255, 255, 255, .74); }
.calc__breakdown dd {
	margin: 0; font-family: var(--font-head); font-weight: 700; font-size: 1.02rem;
	color: #fff; white-space: nowrap;
}
.calc__breakdown dd.is-positive { color: #7ee2a8; }

.calc__meter {
	height: 8px; border-radius: 999px; overflow: hidden;
	background: rgba(255, 255, 255, .15); margin-bottom: 1.25rem;
}
.calc__meter-bar { height: 100%; border-radius: 999px; transition: width .3s var(--ease); background: var(--sky-300); }
.calc__meter-bar.is-good { background: #4ade80; }
.calc__meter-bar.is-warn { background: var(--gold-500); }
.calc__meter-bar.is-over { background: #f87171; }

.calc__note {
	margin: 1.25rem 0 0; font-size: .87rem; line-height: 1.55;
	color: rgba(255, 255, 255, .72);
	padding-top: 1rem; border-top: 1px solid rgba(168, 212, 242, .18);
}

@media (max-width: 860px) {
	.calc__body { grid-template-columns: minmax(0, 1fr); }
}

/* Lead form inside a calculator */
.calc__lead { padding: 1.5rem 1.75rem; background: var(--surface); border-top: 1px solid var(--line); }
.calc__lead-intro { font-size: .93rem; color: var(--muted); margin-bottom: 1rem; }
.calc__lead-grid {
	display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 180px), 1fr));
	gap: .65rem; margin-bottom: .9rem;
}
.calc__lead input[type=text],
.calc__lead input[type=email],
.calc__lead input[type=tel] {
	width: 100%; padding: .8rem 1rem;
	border: 1.5px solid var(--line); border-radius: var(--radius-sm);
	font-family: var(--font-body); font-size: .97rem; background: #fff;
	transition: border-color .18s var(--ease), box-shadow .18s var(--ease);
}
.calc__lead input:focus { outline: 0; border-color: var(--sky-400); box-shadow: 0 0 0 4px rgba(124, 190, 235, .18); }

/* The whole label is clickable because the input sits inside it, but the box
   itself is bumped to 22px — a 16px checkbox is fiddly on a phone. */
.calc__consent {
	display: flex; align-items: flex-start; gap: .65rem;
	font-size: .85rem; color: var(--muted); line-height: 1.5;
	margin-bottom: .5rem;
	padding: .35rem 0;
	cursor: pointer;
}
.calc__consent input {
	margin-top: .1rem;
	width: 22px; height: 22px;
	flex: none;
	accent-color: var(--navy-700);
	cursor: pointer;
}

.calc__hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

.calc__lead-status { margin: .75rem 0 0; font-size: .92rem; font-weight: 600; min-height: 1.4em; }
.calc__lead-status.is-success { color: var(--green-600); }
.calc__lead-status.is-error { color: #c0392b; }

/* Confirmation panel — replaces the form once it submits successfully. */
.form-success {
	text-align: center;
	padding: 2.5rem 1.75rem;
	background: linear-gradient(165deg, #f2fbf5, #eaf7f0);
	border: 1px solid #bde5cd;
	border-radius: var(--radius-lg);
	animation: fc-success-in .35s var(--ease);
}
.form-success:focus { outline: none; }
.form-success__icon {
	width: 56px; height: 56px;
	color: var(--green-500);
	margin: 0 auto 1.1rem;
}
.form-success__title {
	font-size: clamp(1.25rem, 1.1rem + .7vw, 1.6rem);
	color: var(--navy-900);
	margin-bottom: .45rem;
}
.form-success__body {
	font-size: 1.05rem;
	color: var(--body);
	margin-bottom: .85rem;
}
.form-success__meta {
	font-size: .9rem;
	color: var(--muted);
	max-width: 46ch;
	margin-inline: auto;
	margin-bottom: 1rem;
}
.form-success__call {
	font-family: var(--font-head);
	font-weight: 700;
	font-size: .97rem;
	color: var(--navy-800);
	margin: 0;
}
.form-success__call a { color: var(--navy-700); text-decoration: none; }
.form-success__call a:hover { text-decoration: underline; }

@keyframes fc-success-in {
	from { opacity: 0; transform: translateY(8px); }
	to   { opacity: 1; transform: translateY(0); }
}

/* Inside a calculator the panel sits on the tinted lead strip. */
.calc .form-success { border-radius: 0; border-left: 0; border-right: 0; border-bottom: 0; }

/* "Powered by FinCraft" strip at the foot of every calculator */
.calc__credit {
	display: flex; align-items: center; justify-content: center; gap: .5rem;
	margin: 0;
	padding: .85rem 1.75rem;
	background: var(--navy-900);
	font-family: var(--font-head);
	font-size: .82rem; font-weight: 600;
	letter-spacing: .04em;
	color: rgba(255, 255, 255, .7);
}
.calc__credit strong { color: #fff; font-weight: 800; letter-spacing: .02em; }
.calc__credit-mark { display: inline-flex; color: #fff; }
.calc__credit-mark svg { width: 18px; height: 18px; }

.calc__disclaimer {
	margin-top: 1.5rem; font-size: .82rem; line-height: 1.6;
	color: var(--muted); max-width: 90ch;
}

.calc-section__more { text-align: center; margin-top: 2rem; }

/* The other three calculators, linked from the homepage */
.calc-more { margin-top: 2.5rem; }
.calc-more__title {
	text-align: center; font-size: 1.1rem;
	margin-bottom: 1.25rem; color: var(--ink);
}
.calc-more__grid {
	display: grid;
	grid-template-columns: repeat(auto-fit, minmax(min(100%, 260px), 1fr));
	gap: 1rem;
}
.calc-more__card {
	display: flex; align-items: center; gap: .9rem;
	padding: 1.15rem 1.25rem;
	background: var(--white);
	border: 1px solid var(--line);
	border-radius: var(--radius);
	text-decoration: none;
	transition: transform .2s var(--ease), box-shadow .2s var(--ease), border-color .2s var(--ease);
}
.calc-more__card:hover {
	transform: translateY(-3px);
	box-shadow: var(--shadow);
	border-color: var(--sky-300);
}
.calc-more__icon {
	display: grid; place-items: center; flex: none;
	width: 42px; height: 42px; border-radius: 12px;
	background: linear-gradient(140deg, var(--sky-100), var(--sky-200));
	color: var(--navy-800);
}
.calc-more__icon .icon { width: 1.25rem; height: 1.25rem; }
.calc-more__body { display: block; min-width: 0; }
.calc-more__body strong {
	display: block;
	font-family: var(--font-head); font-size: .97rem; font-weight: 700;
	color: var(--ink); margin-bottom: .15rem;
}
.calc-more__body span { font-size: .85rem; color: var(--muted); line-height: 1.45; }
.calc-more__arrow {
	flex: none; width: 1.1rem; height: 1.1rem;
	color: var(--navy-600);
	transition: transform .2s var(--ease);
}
.calc-more__card:hover .calc-more__arrow { transform: translateX(3px); }

.calc-tabs { display: flex; flex-wrap: wrap; gap: .5rem; margin-top: 1.75rem; position: relative; }
.calc-tabs__link {
	display: inline-block; padding: .55rem 1.1rem;
	background: rgba(255, 255, 255, .1);
	border: 1px solid rgba(168, 212, 242, .3);
	border-radius: 999px;
	font-family: var(--font-head); font-size: .9rem; font-weight: 600;
	color: #fff; text-decoration: none;
	transition: background-color .18s var(--ease);
}
.calc-tabs__link:hover { background: rgba(255, 255, 255, .2); color: #fff; }

/* -------------------------------------------------------------------------
   Enquiry form
   ---------------------------------------------------------------------- */

.enquiry {
	background: var(--white); border: 1px solid var(--line);
	border-radius: var(--radius-lg); padding: 2rem;
	box-shadow: var(--shadow-sm); position: relative;
}
.enquiry__title { font-size: 1.5rem; margin-bottom: .5rem; }
.enquiry__intro { color: var(--muted); font-size: .97rem; margin-bottom: 1.5rem; }
.enquiry__grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem; margin-bottom: 1.25rem; }
.enquiry__field--full { grid-column: 1 / -1; }
.enquiry__field label {
	display: block; margin-bottom: .4rem;
	font-family: var(--font-head); font-weight: 600; font-size: .9rem; color: var(--ink);
}
.enquiry__field input,
.enquiry__field select,
.enquiry__field textarea {
	width: 100%; padding: .8rem 1rem;
	border: 1.5px solid var(--line); border-radius: var(--radius-sm);
	font-family: var(--font-body); font-size: .98rem; color: var(--ink);
	background: #fff; transition: border-color .18s var(--ease), box-shadow .18s var(--ease);
}
.enquiry__field textarea { resize: vertical; min-height: 110px; }
.enquiry__field :is(input, select, textarea):focus {
	outline: 0; border-color: var(--sky-400); box-shadow: 0 0 0 4px rgba(124, 190, 235, .18);
}

@media (max-width: 620px) {
	.enquiry__grid { grid-template-columns: minmax(0, 1fr); }
	.enquiry { padding: 1.5rem; }
}

/* -------------------------------------------------------------------------
   Contact page
   ---------------------------------------------------------------------- */

.contact__grid { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(0, .75fr); gap: 2.5rem; align-items: start; }
.contact__details-title { font-size: 1.25rem; }
.contact__list { list-style: none; margin: 0 0 2rem; padding: 0; display: grid; gap: 1.1rem; }
.contact__list li { display: flex; gap: .9rem; align-items: flex-start; }
.contact__list strong { display: block; font-family: var(--font-head); font-size: .85rem; color: var(--muted); font-weight: 600; }
.contact__list a { font-weight: 600; text-decoration: none; }
.contact__list a:hover { text-decoration: underline; }
.contact__ico {
	display: grid; place-items: center; flex: none;
	width: 40px; height: 40px; border-radius: 12px;
	background: var(--sky-100); color: var(--navy-700);
}
.contact__areas { padding: 1.5rem; background: var(--surface); border-radius: var(--radius); margin-bottom: 1.5rem; }
.contact__areas h3 { font-size: 1rem; margin-bottom: .5rem; }
.contact__areas p { font-size: .93rem; color: var(--muted); margin-bottom: .5rem; }
.contact__areas-note { font-size: .87rem; }
.contact__map { border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line); }
.contact__map iframe { width: 100%; height: 280px; border: 0; display: block; }

@media (max-width: 900px) { .contact__grid { grid-template-columns: minmax(0, 1fr); } }

/* -------------------------------------------------------------------------
   FAQ
   ---------------------------------------------------------------------- */

.faq__list { display: grid; gap: .75rem; }
.faq__item {
	background: var(--white); border: 1px solid var(--line);
	border-radius: var(--radius); overflow: hidden;
	transition: border-color .18s var(--ease), box-shadow .18s var(--ease);
}
.faq__item[open] { border-color: var(--sky-300); box-shadow: var(--shadow-sm); }
.faq__q {
	display: flex; align-items: center; justify-content: space-between; gap: 1rem;
	padding: 1.15rem 1.5rem; cursor: pointer;
	font-family: var(--font-head); font-weight: 700; font-size: 1.02rem;
	color: var(--ink); list-style: none;
}
.faq__q::-webkit-details-marker { display: none; }
.faq__q:hover { color: var(--navy-700); }
.faq__chev { width: 1.25rem; height: 1.25rem; flex: none; color: var(--navy-600); transition: transform .22s var(--ease); }
.faq__item[open] .faq__chev { transform: rotate(180deg); }
.faq__a { padding: 0 1.5rem 1.35rem; color: var(--muted); font-size: .98rem; }
.faq__a p:last-child { margin-bottom: 0; }
.faq__title { text-align: center; margin-bottom: 1.75rem; }

/* -------------------------------------------------------------------------
   CTA band
   ---------------------------------------------------------------------- */

.cta-band {
	background: linear-gradient(140deg, var(--navy-800), var(--navy-900));
	color: #fff; position: relative; overflow: hidden;
	padding-block: clamp(3rem, 6vw, 4.5rem);
}
.cta-band::before {
	content: ''; position: absolute;
	width: 30rem; height: 30rem; left: -10rem; bottom: -16rem;
	border-radius: 50%; border: 1px solid rgba(168, 212, 242, .22);
	border-top-color: rgba(168, 212, 242, .55);
}
.cta-band__inner {
	position: relative;
	display: flex; align-items: center; justify-content: space-between;
	gap: 2.5rem; flex-wrap: wrap;
}
.cta-band__content { max-width: 52ch; }
.cta-band__title { color: #fff; margin-bottom: .6rem; }
.cta-band__text { color: rgba(255, 255, 255, .8); margin: 0; }
.cta-band__actions { display: flex; flex-wrap: wrap; gap: .85rem; }

/* -------------------------------------------------------------------------
   Blog
   ---------------------------------------------------------------------- */

.layout {
	display: grid; grid-template-columns: minmax(0, 1fr) 320px;
	gap: 3rem; padding-block: clamp(2.5rem, 5vw, 4rem);
	align-items: start;
}
body.no-sidebar .layout { grid-template-columns: minmax(0, 1fr) 320px; }
@media (max-width: 980px) { .layout { grid-template-columns: minmax(0, 1fr); gap: 2.5rem; } }

.post-grid {
	display: grid; grid-template-columns: repeat(auto-fill, minmax(min(100%, 280px), 1fr));
	gap: 1.5rem;
}

.post-card {
	display: flex; flex-direction: column;
	background: #fff; border: 1px solid var(--line);
	border-radius: var(--radius-lg); overflow: hidden;
	transition: transform .22s var(--ease), box-shadow .22s var(--ease);
}
.post-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.post-card__media { display: block; aspect-ratio: 3 / 2; overflow: hidden; }
.post-card__media img { width: 100%; height: 100%; object-fit: cover; transition: transform .4s var(--ease); }
.post-card:hover .post-card__media img { transform: scale(1.04); }
.post-card__body { padding: 1.5rem; display: flex; flex-direction: column; flex: 1; }
.post-card__cat {
	font-family: var(--font-head); font-size: .74rem; font-weight: 700;
	letter-spacing: .1em; text-transform: uppercase;
	color: var(--navy-600); margin: 0 0 .6rem;
}
.post-card__title { font-size: 1.15rem; margin-bottom: .55rem; }
.post-card__title a { color: var(--ink); text-decoration: none; }
.post-card__title a:hover { color: var(--navy-700); }
.post-card__excerpt { color: var(--muted); font-size: .95rem; flex: 1; }
.post-meta { font-size: .84rem; color: var(--muted); margin: .75rem 0 0; }

.side-cta {
	background: linear-gradient(160deg, var(--navy-800), var(--navy-900));
	color: #fff; border-radius: var(--radius-lg); padding: 1.75rem;
	position: sticky; top: 100px;
}
.side-cta__title { color: #fff; font-size: 1.25rem; margin-bottom: .5rem; }
.side-cta__text { color: rgba(255, 255, 255, .78); font-size: .95rem; margin-bottom: 1.25rem; }
.side-cta__link {
	display: block; margin-top: .9rem; text-align: center;
	color: var(--sky-300); font-size: .9rem; text-decoration: none;
}
.side-cta__link:hover { color: #fff; text-decoration: underline; }

.widget { margin-bottom: 2rem; }
.widget__title { font-size: 1.05rem; margin-bottom: .85rem; }
.widget ul { list-style: none; margin: 0; padding: 0; display: grid; gap: .5rem; }
.widget a { text-decoration: none; }
.widget a:hover { text-decoration: underline; }

/* -------------------------------------------------------------------------
   Prose
   ---------------------------------------------------------------------- */

.prose { font-size: 1.075rem; line-height: 1.75; color: var(--body); }
.prose > * + * { margin-top: 1.15em; }
.prose h2 { margin-top: 2em; }
.prose h3 { margin-top: 1.6em; }
.prose ul, .prose ol { padding-left: 1.4em; }
.prose li + li { margin-top: .4em; }
.prose img { border-radius: var(--radius); }
.prose blockquote {
	margin: 2em 0; padding: 1.25rem 1.5rem;
	border-left: 4px solid var(--sky-300);
	background: var(--sky-100); border-radius: 0 var(--radius) var(--radius) 0;
	font-size: 1.05rem;
}
.prose blockquote p:last-child { margin-bottom: 0; }
.prose table { width: 100%; border-collapse: collapse; font-size: .95rem; }
.prose :is(th, td) { padding: .75rem 1rem; border-bottom: 1px solid var(--line); text-align: left; }
.prose th { font-family: var(--font-head); background: var(--surface); }
.prose--intro { margin-bottom: 2.5rem; font-size: 1.12rem; }

.single__media { margin: -2rem auto 0; max-width: var(--container); position: relative; z-index: 2; }
.single__media img { border-radius: var(--radius-lg); box-shadow: var(--shadow); width: 100%; }

.tag-list { display: flex; flex-wrap: wrap; gap: .5rem; list-style: none; padding: 0; margin: 2rem 0 0; }
.tag-list a {
	display: inline-block; padding: .35rem .85rem;
	background: var(--surface); border: 1px solid var(--line);
	border-radius: 999px; font-size: .85rem; text-decoration: none;
}

.post-nav { display: flex; justify-content: space-between; gap: 1.5rem; margin-top: 2.5rem; padding-top: 2rem; border-top: 1px solid var(--line); font-weight: 600; }
.post-nav a { text-decoration: none; }
.post-nav a:hover { text-decoration: underline; }

.pagination { margin-top: 2.5rem; }
.pagination .nav-links { display: flex; flex-wrap: wrap; gap: .4rem; justify-content: center; }
.pagination .page-numbers {
	display: grid; place-items: center; min-width: 42px; height: 42px;
	padding-inline: .6rem;
	border: 1px solid var(--line); border-radius: var(--radius-sm);
	text-decoration: none; font-weight: 600;
}
.pagination .page-numbers:hover { background: var(--sky-100); border-color: var(--sky-300); }
.pagination .current { background: var(--navy-800); border-color: var(--navy-800); color: #fff; }

.empty { color: var(--muted); font-size: 1.05rem; }

/* Partner + trust blocks */
.partner-block, .trust-block {
	margin-top: 3rem; padding: 2rem;
	background: var(--surface); border: 1px solid var(--line);
	border-radius: var(--radius-lg);
}
.partner-block__title, .trust-block h2 { font-size: 1.3rem; margin-bottom: .85rem; }
.trust-block__list { list-style: none; margin: 0; padding: 0; display: grid; gap: .7rem; }
.trust-block__list li { display: flex; gap: .65rem; align-items: flex-start; font-size: .98rem; }
.trust-block__list .icon { color: var(--green-500); width: 1.2rem; height: 1.2rem; margin-top: .15rem; }

.error-404 { text-align: center; }
.error-404__links { list-style: none; padding: 0; margin: 2rem 0; display: grid; gap: .6rem; }
.error-404__links a { font-family: var(--font-head); font-weight: 600; font-size: 1.05rem; }
.error-404__search { max-width: 420px; margin-inline: auto; }

.search-form { display: flex; gap: .5rem; }
.search-form input {
	flex: 1; padding: .75rem 1rem;
	border: 1.5px solid var(--line); border-radius: var(--radius-sm);
	font-family: var(--font-body); font-size: .97rem;
}
.search-form button {
	padding: .75rem 1.35rem; border: 0; border-radius: var(--radius-sm);
	background: var(--navy-800); color: #fff;
	font-family: var(--font-head); font-weight: 700; cursor: pointer;
}
.search-form button:hover { background: var(--navy-700); }

/* -------------------------------------------------------------------------
   Footer
   ---------------------------------------------------------------------- */

.site-footer { background: var(--navy-900); color: rgba(255, 255, 255, .72); padding-block: clamp(3rem, 6vw, 4.5rem) 2rem; font-size: .95rem; }
.site-footer__top {
	display: grid; grid-template-columns: minmax(0, 1.5fr) repeat(3, minmax(0, 1fr));
	gap: 2.5rem; padding-bottom: 2.5rem;
	border-bottom: 1px solid rgba(255, 255, 255, .12);
}
.site-footer__logo { color: #fff; }
.site-footer__logo svg { height: 84px; width: auto; }
.site-footer__blurb { margin: 1.25rem 0 1.5rem; max-width: 42ch; }
.site-footer__contact { list-style: none; margin: 0; padding: 0; display: grid; gap: .7rem; }
.site-footer__contact li { display: flex; gap: .65rem; align-items: flex-start; }
.site-footer__contact .icon { color: var(--sky-400); width: 1.1rem; height: 1.1rem; margin-top: .2rem; }
.site-footer__contact a { color: rgba(255, 255, 255, .82); text-decoration: none; }
.site-footer__contact a:hover { color: #fff; text-decoration: underline; }

.footer__heading {
	font-size: .82rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase;
	color: #fff; margin-bottom: 1.1rem;
}
.site-footer__links { list-style: none; margin: 0; padding: 0; display: grid; gap: .6rem; }
.site-footer__links a { color: rgba(255, 255, 255, .72); text-decoration: none; }
.site-footer__links a:hover { color: var(--sky-300); }
.site-footer__links--inline { display: flex; flex-wrap: wrap; gap: .4rem .9rem; }

.site-footer__partner {
	display: flex; align-items: center; flex-wrap: wrap; gap: .6rem 1rem;
	padding: 1.5rem 0; border-bottom: 1px solid rgba(255, 255, 255, .12);
}
.site-footer__partner-label { font-size: .88rem; color: rgba(255, 255, 255, .6); }
.site-footer__partner a {
	display: inline-flex; align-items: center; gap: .4rem;
	color: var(--sky-300); text-decoration: none; font-family: var(--font-head);
}
.site-footer__partner a:hover { color: #fff; }
.site-footer__partner .icon { width: 1rem; height: 1rem; }

.site-footer__legal { padding-top: 1.75rem; }
.site-footer__disclaimer { font-size: .82rem; line-height: 1.65; color: rgba(255, 255, 255, .55); max-width: 100ch; }
.site-footer__reg { font-size: .84rem; color: rgba(255, 255, 255, .68); }
.site-footer__bottom {
	display: flex; align-items: center; justify-content: space-between;
	flex-wrap: wrap; gap: 1rem; padding-top: 1.25rem;
	border-top: 1px solid rgba(255, 255, 255, .1);
	font-size: .87rem;
}
.site-footer__bottom p { margin: 0; }
.site-footer__legal-list { display: flex; flex-wrap: wrap; gap: 1.25rem; list-style: none; margin: 0; padding: 0; }
.site-footer__legal-list a { color: rgba(255, 255, 255, .68); text-decoration: none; }
.site-footer__legal-list a:hover { color: #fff; text-decoration: underline; }

@media (max-width: 900px) {
	.site-footer__top { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 560px) {
	.site-footer__top { grid-template-columns: minmax(0, 1fr); gap: 2rem; }
}

/* WhatsApp floating button with speech bubble */
.whatsapp-cta {
	position: fixed; right: 1.25rem; bottom: 1.25rem; z-index: 90;
	display: flex; align-items: center; gap: .6rem;
	max-width: calc(100vw - 2.5rem);
}

.whatsapp-fab {
	display: grid; place-items: center;
	width: 60px; height: 60px; flex: none;
	border-radius: 50%;
	background: #25d366; color: #fff;
	box-shadow: 0 6px 20px rgba(37, 211, 102, .4);
	transition: transform .2s var(--ease);
}
.whatsapp-fab:hover { transform: scale(1.07); color: #fff; }
.whatsapp-fab .icon { width: 1.8rem; height: 1.8rem; }

/* The bubble stays out of the way until the reader has scrolled past the
   hero — on a phone it would otherwise sit on top of the main hero CTA. */
.whatsapp-cta__bubble {
	position: relative;
	display: flex; align-items: flex-start; gap: .35rem;
	max-width: 15rem;
	padding: .7rem .6rem .7rem .95rem;
	background: #fff;
	border: 1px solid var(--line);
	border-radius: 14px;
	box-shadow: var(--shadow);
	opacity: 0; visibility: hidden;
	transform: translateX(12px) scale(.96);
	transition: opacity .3s var(--ease), transform .3s var(--ease), visibility .3s;
}
.whatsapp-cta.is-bubble-visible .whatsapp-cta__bubble {
	opacity: 1; visibility: visible;
	transform: translateX(0) scale(1);
}
/* The tail, pointing at the button. */
.whatsapp-cta__bubble::after {
	content: '';
	position: absolute; right: -7px; top: 50%;
	width: 12px; height: 12px; margin-top: -6px;
	background: #fff;
	border-right: 1px solid var(--line);
	border-top: 1px solid var(--line);
	transform: rotate(45deg);
}
.whatsapp-cta__bubble-link {
	font-family: var(--font-head);
	font-size: .84rem; font-weight: 700; line-height: 1.35;
	color: var(--navy-800); text-decoration: none;
}
.whatsapp-cta__bubble-link:hover { color: var(--green-600); }

.whatsapp-cta__close {
	position: relative;
	flex: none; width: 26px; height: 26px; padding: 6px;
	display: grid; place-items: center;
	background: none; border: 0; cursor: pointer;
	color: var(--muted); border-radius: 50%;
}
/* Extends the tap target to 44px without changing the visual size —
   the icon needs to stay small inside the bubble. */
.whatsapp-cta__close::after {
	content: '';
	position: absolute; top: 50%; left: 50%;
	width: 44px; height: 44px;
	transform: translate(-50%, -50%);
}
.whatsapp-cta__close:hover { background: var(--surface); color: var(--ink); }
.whatsapp-cta__close svg { width: 100%; height: 100%; }

.whatsapp-cta.is-dismissed .whatsapp-cta__bubble { display: none; }

@media (max-width: 420px) {
	.whatsapp-cta__bubble { max-width: 11.5rem; padding: .6rem .5rem .6rem .8rem; }
	.whatsapp-cta__bubble-link { font-size: .78rem; }
	.whatsapp-fab { width: 54px; height: 54px; }
}

/* -------------------------------------------------------------------------
   Gated white papers
   ---------------------------------------------------------------------- */

.papers { margin-block: 2rem; }
.papers__title { text-align: center; margin-bottom: 2rem; }
.papers__grid {
	display: grid;
	grid-template-columns: repeat(auto-fit, minmax(min(100%, 280px), 1fr));
	gap: 1.25rem;
}
.papers__note {
	margin-top: 1.5rem; text-align: center;
	font-size: .85rem; color: var(--muted);
}

.paper {
	display: flex; flex-direction: column;
	background: var(--white);
	border: 1px solid var(--line);
	border-radius: var(--radius-lg);
	padding: 1.75rem;
	box-shadow: var(--shadow-sm);
}
.paper__head {
	display: flex; align-items: center; justify-content: space-between;
	gap: 1rem; margin-bottom: 1.1rem;
}
.paper__icon {
	display: grid; place-items: center;
	width: 48px; height: 48px; border-radius: 14px;
	background: linear-gradient(140deg, var(--sky-100), var(--sky-200));
	color: var(--navy-800);
}
.paper__icon .icon { width: 1.4rem; height: 1.4rem; }
.paper__meta {
	font-family: var(--font-head); font-size: .74rem; font-weight: 700;
	letter-spacing: .1em; text-transform: uppercase; color: var(--muted);
}
.paper__title { font-size: 1.12rem; margin-bottom: .55rem; }
.paper__desc { font-size: .93rem; color: var(--muted); flex: 1; margin-bottom: 1.25rem; }

.paper__form { display: grid; gap: .6rem; }
.paper__form input[type=text],
.paper__form input[type=email],
.paper__form input[type=tel],
.paper__form select {
	width: 100%; padding: .75rem .9rem;
	border: 1.5px solid var(--line); border-radius: var(--radius-sm);
	font-family: var(--font-body); font-size: .95rem; background: #fff;
	color: var(--ink);
}
.paper__form :is(input, select):focus {
	outline: 0; border-color: var(--sky-400);
	box-shadow: 0 0 0 4px rgba(124, 190, 235, .18);
}
.paper__form .calc__consent { margin: .2rem 0 .4rem; font-size: .8rem; }

.form-success__download { margin: .35rem auto 1rem; display: inline-flex; }

/* -------------------------------------------------------------------------
   POPIA notice bar
   ---------------------------------------------------------------------- */

.privacy-bar {
	position: fixed; left: 0; right: 0; bottom: 0; z-index: 95;
	background: #fff;
	border-top: 1px solid var(--line);
	box-shadow: 0 -6px 28px rgba(11, 46, 95, .12);
	animation: fc-privacy-in .35s var(--ease) .4s both;
}
.privacy-bar.is-hidden { display: none; }

.privacy-bar__inner {
	max-width: var(--container);
	margin-inline: auto;
	padding: 1.1rem var(--gutter);
	display: flex; align-items: center; justify-content: space-between;
	gap: 1.25rem; flex-wrap: wrap;
}
.privacy-bar__text { flex: 1 1 30ch; min-width: 0; font-size: .9rem; color: var(--muted); }
.privacy-bar__text p { margin: 0; }
.privacy-bar__title {
	font-family: var(--font-head); font-weight: 700;
	font-size: .95rem; color: var(--ink);
	margin-bottom: .2rem !important;
}
.privacy-bar__text a { color: var(--navy-700); font-weight: 600; }

/* Equal visual weight on both choices — steering people toward "accept all"
   is the pattern the Information Regulator objects to. */
.privacy-bar__actions { display: flex; gap: .6rem; flex-wrap: wrap; }

@keyframes fc-privacy-in {
	from { opacity: 0; transform: translateY(100%); }
	to   { opacity: 1; transform: translateY(0); }
}

/* Keep the WhatsApp button clear of the bar while it is on screen. */
body.has-privacy-bar .whatsapp-cta { bottom: 7.5rem; }

@media (max-width: 700px) {
	.privacy-bar__inner { padding-block: .9rem; gap: .85rem; }
	.privacy-bar__actions { width: 100%; }
	.privacy-bar__actions .btn { flex: 1; }
	body.has-privacy-bar .whatsapp-cta { bottom: 10.5rem; }
}

/* POPIA collection notice beneath forms */
.collection-notice {
	margin-top: 1.25rem;
	padding: 1rem 1.15rem;
	background: var(--surface);
	border: 1px solid var(--line);
	border-radius: var(--radius-sm);
	font-size: .84rem; line-height: 1.6; color: var(--muted);
}
.collection-notice p { margin-bottom: .6rem; }
.collection-notice p:last-child { margin-bottom: 0; }
.collection-notice strong { display: block; color: var(--ink); font-family: var(--font-head); }

/* -------------------------------------------------------------------------
   Print
   ---------------------------------------------------------------------- */

@media print {
	.topbar, .site-header, .site-footer, .cta-band, .whatsapp-fab, .calc__lead { display: none !important; }
	.calc__results { background: none !important; color: #000 !important; }
	.calc__breakdown dt, .calc__breakdown dd, .calc__headline-value, .calc__headline-label { color: #000 !important; }
	body { font-size: 11pt; }
}
