:root {
  --ink: #10263f;
  --ink-soft: #415a73;
  --blue: #5f86a9;
  --blue-deep: #23415f;
  --blue-soft: #f5f9fd;
  --blue-panel: #e7f1f8;
  --gold: #c89b3c;
  --gold-soft: #f4dc93;
  --gold-pale: #fff7df;
  --sky: #eef5fa;
  --paper: #ffffff;
  --white: #ffffff;
  --line: #dce5ee;
  --accent: #b8872f;
  --shadow: 0 18px 50px rgba(16, 38, 63, 0.1);
}

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

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--white);
  color: var(--ink);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.65;
}

a {
  color: inherit;
}

img {
  max-width: 100%;
  height: auto;
}

iframe,
video,
canvas,
svg {
  max-width: 100%;
}

.skip-link {
  position: absolute;
  left: 1rem;
  top: -5rem;
  z-index: 20;
  background: var(--gold);
  color: var(--ink);
  padding: 0.65rem 1rem;
}

.skip-link:focus {
  top: 1rem;
}

.screen-reader-text {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(255, 255, 255, 0.98);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(14px);
}

.top-strip {
  display: flex;
  justify-content: center;
  gap: 1rem;
  padding: 0.42rem 1rem;
  background: var(--blue-panel);
  color: var(--blue-deep);
  font-size: 0.86rem;
}

.top-strip a {
  color: var(--blue-deep);
  font-weight: 700;
  text-decoration: none;
}

.nav-wrap {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  max-width: 1320px;
  margin: 0 auto;
  padding: 0.72rem 1.25rem;
}

.brand {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  min-width: 235px;
}

.custom-logo-link {
  display: inline-flex;
  align-items: center;
  flex: 0 0 auto;
  width: 54px;
  height: 54px;
  overflow: hidden;
  background: var(--blue);
  border-radius: 6px;
}

.custom-logo {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.brand-text {
  display: grid;
  text-decoration: none;
  line-height: 1.15;
}

.brand-text strong {
  font-size: 1.02rem;
  letter-spacing: 0;
}

.brand-text span {
  max-width: 190px;
  color: var(--ink-soft);
  font-size: 0.78rem;
}

.primary-nav {
  margin-left: auto;
}

.primary-nav ul {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 0;
  margin: 0;
  list-style: none;
}

.primary-nav a {
  color: var(--ink-soft);
  font-size: 0.92rem;
  font-weight: 700;
  text-decoration: none;
}

.primary-nav a:hover {
  color: var(--ink);
}

.header-cta,
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 0.72rem 1.15rem;
  border: 1px solid var(--blue-deep);
  border-radius: 6px;
  background: var(--blue-deep);
  color: var(--white);
  font-weight: 800;
  text-decoration: none;
  line-height: 1.15;
}

.header-cta {
  min-height: 42px;
  padding: 0.68rem 1rem;
  white-space: nowrap;
}

.button-secondary {
  background: var(--white);
  color: var(--blue);
  border-color: var(--line);
  box-shadow: inset 0 0 0 1px rgba(200, 155, 60, 0.2);
}

.button-light {
  background: var(--white);
  color: var(--ink);
  border-color: var(--white);
}

.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid var(--line);
  border-radius: 4px;
  background: var(--white);
}

.nav-toggle span:not(.screen-reader-text) {
  display: block;
  width: 20px;
  height: 2px;
  margin: 4px auto;
  background: var(--ink);
}

.site-main {
  overflow: hidden;
}

.hero,
.page-hero,
.section,
.footer-cta,
.footer-grid,
.footer-bottom {
  max-width: 1180px;
  margin: 0 auto;
  padding-left: 1.25rem;
  padding-right: 1.25rem;
}

.hero {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(360px, 0.95fr);
  align-items: center;
  gap: 4rem;
  max-width: none;
  min-height: 0;
  padding-top: 5rem;
  padding-bottom: 5rem;
  padding-left: max(1.25rem, calc((100vw - 1220px) / 2 + 1.25rem));
  padding-right: max(1.25rem, calc((100vw - 1220px) / 2 + 1.25rem));
  background:
    radial-gradient(circle at 78% 18%, rgba(231, 241, 248, 0.95), transparent 32rem),
    linear-gradient(180deg, #ffffff 0%, #f8fbfe 100%);
}

.hero-copy h1,
.page-hero h1 {
  max-width: 720px;
  margin: 0;
  font-size: clamp(2.45rem, 4.1vw, 4.7rem);
  line-height: 1.04;
  letter-spacing: 0;
}

.lead {
  max-width: 700px;
  color: var(--ink-soft);
  font-size: 1.08rem;
}

.eyebrow {
  margin: 0 0 0.85rem;
  color: var(--accent);
  font-size: 0.74rem;
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.hero-actions,
.trust-list {
  display: flex;
  flex-wrap: wrap;
  gap: 0.8rem;
  margin-top: 1.6rem;
}

.trust-list {
  padding: 0;
  list-style: none;
}

.trust-list li {
  padding: 0.5rem 0.8rem;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: var(--white);
  color: var(--ink-soft);
  font-size: 0.9rem;
}

.hero-calculators {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 0.75rem;
  max-width: 780px;
  margin-top: 0.55rem;
}

.hero-calculator-kicker {
  margin: 1.3rem 0 0;
  color: var(--ink);
  font-size: clamp(0.95rem, 1.1vw, 1.08rem);
  font-weight: 850;
}

.hero-calculators a {
  display: flex;
  align-items: center;
  gap: 0.35em;
  padding: 0.7rem 0.95rem;
  border: 1px solid var(--line);
  border-radius: 14px;
  background:
    linear-gradient(135deg, rgba(255, 247, 223, 0.78), rgba(255, 255, 255, 0.94)),
    #ffffff;
  color: var(--ink);
  text-decoration: none;
  box-shadow: 0 10px 28px rgba(16, 38, 63, 0.06);
  transition: transform 180ms ease, border-color 180ms ease, box-shadow 180ms ease;
  white-space: nowrap;
}

.hero-calculators a:hover {
  border-color: rgba(200, 155, 60, 0.58);
  box-shadow: 0 16px 38px rgba(16, 38, 63, 0.1);
  transform: translateY(-3px);
}

.hero-calculators span {
  color: var(--accent);
  font-size: 0.72rem;
  font-weight: 900;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.hero-calculators strong {
  color: var(--ink);
  font-size: clamp(0.88rem, 1vw, 1rem);
  font-weight: 700;
  line-height: 1.2;
}

.hero-panel {
  display: grid;
  gap: 1rem;
  padding: 1rem;
  background: rgba(255, 255, 255, 0.86);
  color: var(--ink);
  border: 1px solid var(--line);
  border-radius: 10px;
  box-shadow: 0 22px 70px rgba(16, 38, 63, 0.12);
}

.rate-card {
  min-height: 250px;
  padding: 1.55rem;
  border: 1px solid rgba(95, 134, 169, 0.28);
  border-radius: 8px;
  background: linear-gradient(135deg, var(--blue-panel), var(--white) 68%);
}

.rate-card p,
.rate-card span {
  color: var(--ink-soft);
}

.rate-card strong {
  display: block;
  max-width: 440px;
  margin: 2.2rem 0 1rem;
  font-size: clamp(1.75rem, 2.5vw, 2.45rem);
  line-height: 1.12;
}

.mini-grid,
.service-grid,
.calculator-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
}

.mini-grid span {
  padding: 0.95rem 1rem;
  background: var(--white);
  color: var(--blue-deep);
  border: 1px solid var(--line);
  border-radius: 7px;
  font-weight: 800;
}

.section {
  padding-top: 4.5rem;
  padding-bottom: 4.5rem;
}

.intro-band,
.split,
.footer-cta {
  display: grid;
  grid-template-columns: minmax(0, 0.85fr) minmax(0, 1fr);
  gap: 2rem;
  align-items: start;
}

.intro-band {
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  background: var(--gold-pale);
}

.section h2,
.footer-cta h2 {
  margin: 0 0 1rem;
  font-size: clamp(1.8rem, 3vw, 3.1rem);
  line-height: 1.05;
  letter-spacing: 0;
}

.section-heading {
  max-width: 760px;
  margin-bottom: 2rem;
}

.service-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.service-card,
.calculator-grid article {
  padding: 1.5rem;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: 0 12px 34px rgba(31, 58, 86, 0.06);
}

.service-card p:first-child {
  margin-top: 0;
  color: var(--accent);
  font-weight: 800;
}

.service-card h2,
.service-card h3,
.calculator-grid h2 {
  margin: 0 0 0.7rem;
  font-size: 1.35rem;
  line-height: 1.15;
}

.service-card a {
  text-decoration: none;
}

.text-link {
  color: var(--accent);
  font-weight: 900;
}

.process-list {
  display: grid;
  gap: 0.8rem;
  margin: 0;
  padding: 0;
  list-style: none;
  counter-reset: process;
}

.process-list li {
  display: grid;
  grid-template-columns: 4rem 1fr;
  gap: 1rem;
  padding: 1rem;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 8px;
  counter-increment: process;
}

.process-list li::before {
  content: counter(process, decimal-leading-zero);
  color: var(--gold);
  font-weight: 900;
}

.process-list strong,
.process-list span {
  grid-column: 2;
}

.process-list strong {
  margin-top: -2rem;
  font-size: 1.12rem;
}

.calculators-preview {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 360px;
  gap: 2rem;
  background: var(--blue-soft);
  max-width: none;
  padding-left: max(1.25rem, calc((100vw - 1180px) / 2 + 1.25rem));
  padding-right: max(1.25rem, calc((100vw - 1180px) / 2 + 1.25rem));
}

.booking-teaser {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
  max-width: none;
  padding-left: max(1.25rem, calc((100vw - 1180px) / 2 + 1.25rem));
  padding-right: max(1.25rem, calc((100vw - 1180px) / 2 + 1.25rem));
  background: linear-gradient(90deg, #ffffff, var(--blue-panel));
}

.booking-teaser h2 {
  margin: 0 0 0.8rem;
  font-size: clamp(2rem, 3.2vw, 3.5rem);
  line-height: 1.02;
}

.booking-section {
  display: grid;
  grid-template-columns: minmax(0, 0.42fr) minmax(0, 0.58fr);
  gap: 2rem;
  align-items: start;
}

.booking-copy {
  position: sticky;
  top: 120px;
}

.booking-frame-wrap {
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 18px;
  background: var(--white);
  box-shadow: 0 22px 70px rgba(16, 38, 63, 0.1);
}

.booking-frame-wrap iframe {
  display: block;
  min-height: 600px;
}

.calculator-links {
  display: grid;
  gap: 0.8rem;
}

.calculator-links a {
  padding: 1rem;
  background: var(--white);
  border: 1px solid var(--line);
  color: var(--ink);
  font-weight: 900;
  text-decoration: none;
}

.calculator-hero {
  background: linear-gradient(180deg, #ffffff, var(--blue-soft));
  max-width: none;
  padding-left: max(1.25rem, calc((100vw - 1180px) / 2 + 1.25rem));
  padding-right: max(1.25rem, calc((100vw - 1180px) / 2 + 1.25rem));
}

.calculator-tabs {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 1.25rem;
}

.calculator-tabs a {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 64px;
  padding: 0.8rem;
  border: 1px solid var(--line);
  border-right-width: 0;
  color: var(--ink);
  font-weight: 900;
  text-align: center;
  text-decoration: none;
}

.calculator-tabs a:last-child {
  border-right-width: 1px;
}

.calculator-tabs a.is-active {
  background: var(--blue-deep);
  color: var(--white);
  border-color: var(--blue-deep);
}

.calculator-tool {
  display: grid;
  grid-template-columns: minmax(0, 0.85fr) minmax(360px, 0.95fr);
  gap: 1.7rem;
  align-items: stretch;
}

.calculator-form,
.calculator-result {
  border: 1px solid var(--line);
  border-radius: 10px;
  box-shadow: 0 14px 34px rgba(16, 38, 63, 0.08);
}

.calculator-form {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.15rem;
  align-content: start;
  padding: clamp(1.1rem, 2vw, 1.5rem);
  background: #f4f6f8;
}

.calculator-form h2 {
  margin: 0 0 0.75rem;
  font-size: clamp(1.08rem, 1.25vw, 1.34rem);
  font-weight: 800;
}

.calc-group {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.9rem;
  padding-bottom: 1.1rem;
  border-bottom: 1px solid rgba(220, 229, 238, 0.95);
}

.calc-group:last-child {
  border-bottom: 0;
  padding-bottom: 0;
}

.calc-group h2 {
  grid-column: 1 / -1;
}

.calculator-form label {
  display: grid;
  gap: 0.38rem;
  color: var(--ink);
  font-weight: 700;
  font-size: 0.84rem;
}

.calculator-form input,
.calculator-form select {
  width: 100%;
  min-height: 42px;
  padding: 0.56rem 0.72rem;
  border: 1px solid rgba(16, 38, 63, 0.26);
  border-radius: 4px;
  background: #ffffff;
  color: var(--ink);
  font: inherit;
}

.calculator-form input[type="number"] {
  font-weight: 750;
}

.range-control {
  grid-template-columns: minmax(0, 1fr) 88px;
  grid-template-rows: auto auto;
  align-items: center;
  column-gap: 0.85rem;
  row-gap: 0.55rem;
}

.range-control span {
  align-self: center;
  min-height: 2.5em;
  display: flex;
  align-items: center;
  line-height: 1.25;
}

.range-control input[type="number"] {
  grid-column: 2;
  grid-row: 1;
  min-height: 42px;
  padding-left: 0.6rem;
  padding-right: 0.6rem;
  text-align: center;
}

.range-control input[type="range"] {
  grid-column: 1 / -1;
  grid-row: 2;
  width: 100%;
  min-height: 24px;
  padding: 0;
  border: 0;
  accent-color: var(--gold);
  background: transparent;
}

.range-control input[type="range"]::-webkit-slider-runnable-track {
  height: 8px;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--gold), var(--gold-soft));
}

.range-control input[type="range"]::-webkit-slider-thumb {
  width: 20px;
  height: 20px;
  margin-top: -6px;
  border: 3px solid #ffffff;
  border-radius: 50%;
  background: var(--gold);
  box-shadow: 0 4px 14px rgba(16, 38, 63, 0.2);
  -webkit-appearance: none;
}

.range-control input[type="range"]::-moz-range-track {
  height: 8px;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--gold), var(--gold-soft));
}

.range-control input[type="range"]::-moz-range-thumb {
  width: 16px;
  height: 16px;
  border: 3px solid #ffffff;
  border-radius: 50%;
  background: var(--gold);
  box-shadow: 0 4px 14px rgba(16, 38, 63, 0.2);
}

.calculator-result {
  display: flex;
  flex-direction: column;
  justify-content: center;
  min-height: 420px;
  padding: clamp(1.5rem, 3vw, 2.4rem);
  background:
    radial-gradient(circle at 88% 14%, rgba(200, 155, 60, 0.16), transparent 10rem),
    linear-gradient(145deg, var(--blue-deep), #07172b);
  color: var(--white);
}

.calculator-result .eyebrow {
  color: var(--gold-soft);
}

.calculator-result strong {
  display: block;
  margin: 0.3rem 0 0.8rem;
  color: var(--white);
  font-size: clamp(2.6rem, 5vw, 5rem);
  line-height: 1;
}

.calculator-result span {
  display: block;
  max-width: 42rem;
  margin-bottom: 1.6rem;
  color: rgba(255, 255, 255, 0.78);
  font-size: 1.05rem;
}

.calculator-result .button {
  width: fit-content;
  border-color: var(--gold);
  background: var(--gold);
  color: #07172b;
}

.smart-faq {
  display: grid;
  grid-template-columns: minmax(260px, 0.42fr) minmax(0, 1fr);
  gap: clamp(2rem, 5vw, 5rem);
  align-items: start;
}

.smart-faq h2 {
  margin: 0;
  font-size: clamp(2.3rem, 4vw, 4.6rem);
  line-height: 0.98;
}

.smart-faq-list {
  display: grid;
}

.smart-faq-list details {
  border: 0;
  border-bottom: 1px solid var(--line);
  border-radius: 0;
  background: transparent;
}

.smart-faq-list summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.35rem 0;
  font-size: clamp(1rem, 1.4vw, 1.25rem);
}

.smart-faq-list summary::after {
  content: "";
  width: 0.65rem;
  height: 0.65rem;
  border-right: 3px solid currentColor;
  border-bottom: 3px solid currentColor;
  transform: rotate(45deg);
}

.smart-faq-list details[open] summary::after {
  transform: rotate(225deg);
}

.smart-faq-list p {
  max-width: 760px;
  padding: 0 0 1.3rem;
}

.faq-list {
  display: grid;
  gap: 0.8rem;
}

details {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 8px;
}

summary {
  cursor: pointer;
  padding: 1rem 1.2rem;
  font-weight: 900;
}

details p {
  margin: 0;
  padding: 0 1.2rem 1.2rem;
  color: var(--ink-soft);
}

.page-hero {
  padding-top: 5rem;
  padding-bottom: 3.5rem;
}

.service-hero {
  background: linear-gradient(180deg, var(--white), var(--blue-soft));
  max-width: none;
  padding-left: max(1.25rem, calc((100vw - 1180px) / 2 + 1.25rem));
  padding-right: max(1.25rem, calc((100vw - 1180px) / 2 + 1.25rem));
}

.check-list {
  display: grid;
  gap: 0.75rem;
  margin: 0;
  padding: 0;
  list-style: none;
}

.check-list li {
  padding: 0.9rem 1rem;
  background: var(--white);
  border-left: 4px solid var(--gold);
  box-shadow: 0 1px 0 var(--line);
  font-weight: 800;
}

.content-section {
  max-width: 820px;
}

.contact-panel {
  align-items: stretch;
}

.contact-form {
  display: grid;
  gap: 1rem;
  padding: 1.2rem;
  background: var(--white);
  border: 1px solid var(--line);
}

.contact-form label {
  display: grid;
  gap: 0.35rem;
  font-weight: 800;
}

.contact-form input,
.contact-form textarea {
  width: 100%;
  padding: 0.85rem 0.95rem;
  border: 1px solid var(--line);
  border-radius: 4px;
  font: inherit;
}

.contact-hidden {
  position: absolute;
  left: -9999px;
}

.form-notice {
  margin: 0;
  padding: 0.85rem 0.95rem;
  border: 1px solid var(--line);
  border-radius: 4px;
  font-weight: 800;
}

.form-notice.success {
  background: #edf7ef;
  border-color: #b8dfc0;
  color: #21552d;
}

.form-notice.error {
  background: #fff1ed;
  border-color: #f1b7a8;
  color: #8a2b18;
}

.site-footer {
  margin-top: 2rem;
  background: var(--blue-deep);
  color: var(--white);
}

.footer-cta {
  padding-top: 3rem;
  padding-bottom: 3rem;
  align-items: center;
  border-bottom: 1px solid rgba(255, 255, 255, 0.14);
}

.footer-cta p {
  color: rgba(255, 255, 255, 0.78);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr 0.8fr 1fr;
  gap: 2rem;
  padding-top: 3rem;
  padding-bottom: 3rem;
}

.footer-grid h2 {
  font-size: 1rem;
}

.footer-grid ul {
  display: grid;
  gap: 0.4rem;
  padding: 0;
  list-style: none;
}

.footer-grid a,
.footer-bottom a {
  color: var(--gold-soft);
  text-decoration: none;
}

.footer-grid p,
.footer-bottom {
  color: rgba(255, 255, 255, 0.76);
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  padding-top: 1rem;
  padding-bottom: 1rem;
  border-top: 1px solid rgba(255, 255, 255, 0.14);
}

@media (max-width: 960px) {
  .nav-toggle {
    display: block;
    margin-left: auto;
  }

  .primary-nav {
    position: absolute;
    left: 0;
    right: 0;
    top: 100%;
    display: none;
    background: var(--paper);
    border-bottom: 1px solid var(--line);
  }

  .primary-nav.is-open {
    display: block;
  }

  .primary-nav ul {
    display: grid;
    gap: 0;
    max-width: 1180px;
    margin: 0 auto;
    padding: 0.8rem 1.25rem 1.25rem;
  }

  .primary-nav a {
    display: block;
    padding: 0.7rem 0;
  }

  .header-cta {
    display: none;
  }

  .hero,
  .intro-band,
  .split,
  .calculators-preview,
  .booking-teaser,
  .booking-section,
  .calculator-tool,
  .smart-faq,
  .footer-cta,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .hero {
    min-height: 0;
  }

  .hero-calculators {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .booking-teaser {
    align-items: start;
    flex-direction: column;
  }

  .booking-copy {
    position: static;
  }

  .service-grid,
  .calculator-grid,
  .calculator-tabs {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .calculator-result {
    min-height: 320px;
  }
}

@media (max-width: 640px) {
  .top-strip {
    flex-direction: column;
    align-items: center;
    gap: 0.15rem;
  }

  .nav-wrap {
    padding: 0.75rem 1rem;
  }

  .brand {
    min-width: 0;
  }

  .brand-text span {
    display: none;
  }

  .custom-logo-link {
    width: 48px;
    height: 48px;
  }

  .hero-copy h1,
  .page-hero h1 {
    font-size: 2.35rem;
  }

  .hero,
  .page-hero,
  .section {
    padding-left: 1rem;
    padding-right: 1rem;
  }

  .service-grid,
  .calculator-grid,
  .calculator-tabs,
  .calculator-form,
  .calc-group,
  .hero-calculators,
  .mini-grid {
    grid-template-columns: 1fr;
  }

  .process-list li {
    grid-template-columns: 1fr;
  }

  .process-list li::before,
  .process-list strong,
  .process-list span {
    grid-column: auto;
    margin-top: 0;
  }

  .footer-bottom {
    flex-direction: column;
  }
}

/* Polished broker layout */
.nav-utility {
  display: flex;
  justify-content: flex-end;
  gap: 1.4rem;
  max-width: 1320px;
  margin: 0 auto;
  padding: 0.35rem 1.25rem;
  color: var(--ink-soft);
  font-size: 0.84rem;
}

.nav-utility a {
  color: var(--ink-soft);
  font-weight: 750;
  text-decoration: none;
}

.nav-shell {
  position: relative;
  min-height: 76px;
  border-top: 1px solid var(--line);
}

.nav-menu,
.nav-menu li {
  list-style: none;
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 1.35rem;
  padding: 0;
  margin: 0;
}

.nav-menu a,
.nav-dropdown > button {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  min-height: 42px;
  border: 0;
  background: transparent;
  color: #2c3340;
  cursor: pointer;
  font: inherit;
  font-size: 0.98rem;
  font-weight: 760;
  text-decoration: none;
  white-space: nowrap;
}

.nav-dropdown > button::after {
  content: "";
  width: 0.42rem;
  height: 0.42rem;
  border-right: 2px solid currentColor;
  border-bottom: 2px solid currentColor;
  transform: rotate(45deg) translateY(-2px);
}

.nav-dropdown {
  position: relative;
}

.nav-panel {
  position: absolute;
  top: calc(100% + 0.5rem);
  left: -1rem;
  z-index: 30;
  display: grid;
  min-width: 260px;
  padding: 0.65rem;
  background: rgba(255, 255, 255, 0.98);
  border: 1px solid var(--line);
  border-radius: 12px;
  box-shadow: 0 22px 60px rgba(16, 38, 63, 0.14);
  opacity: 0;
  pointer-events: none;
  transform: translateY(8px);
  transition: opacity 180ms ease, transform 180ms ease;
}

.nav-panel a {
  justify-content: flex-start;
  min-height: 0;
  padding: 0.72rem 0.8rem;
  border-radius: 8px;
  color: var(--ink);
  transition: background 180ms ease, color 180ms ease;
}

.nav-panel a:hover {
  background: var(--gold);
  color: var(--ink);
}

.nav-dropdown:hover .nav-panel,
.nav-dropdown > button[aria-expanded="true"] + .nav-panel {
  opacity: 1;
  pointer-events: auto;
  transform: translateY(0);
}

.header-cta {
  margin-left: 0.5rem;
  min-height: 76px;
  padding: 0 1.6rem;
  border: 0;
  border-radius: 0;
  background: var(--gold);
  color: var(--ink);
  font-size: 1rem;
}

.hero {
  position: relative;
  grid-template-columns: minmax(0, 0.95fr) minmax(420px, 0.8fr);
  gap: clamp(3rem, 6vw, 6rem);
  padding-top: clamp(4.5rem, 7vw, 7rem);
  padding-bottom: clamp(4.5rem, 7vw, 7rem);
  background:
    radial-gradient(circle at 88% 16%, rgba(231, 241, 248, 0.9), transparent 28rem),
    linear-gradient(110deg, #ffffff 0%, #ffffff 58%, #f3f8fc 58%, #f9fcff 100%);
}

.hero::before {
  content: "";
  position: absolute;
  inset: auto 0 0;
  height: 110px;
  background: linear-gradient(180deg, rgba(255,255,255,0), #ffffff);
  pointer-events: none;
}

.hero-copy,
.hero-visual {
  position: relative;
  z-index: 1;
}

.hero-copy h1 {
  max-width: 760px;
  font-size: clamp(2.9rem, 5.2vw, 6.2rem);
  line-height: 0.98;
}

.tfl-hero-h1 {
  opacity: 0;
  transition: opacity 0.5s ease;
}

.hero .lead {
  max-width: 650px;
  margin-top: 1.25rem;
  font-size: clamp(1.05rem, 1.3vw, 1.22rem);
}

.hero-visual {
  min-height: 520px;
}

.hero.hero-with-ai {
  grid-template-columns: minmax(0, 0.92fr) minmax(540px, 0.92fr);
}

.path-line {
  position: absolute;
  inset: 5.5rem 2rem 2.2rem 4rem;
  border: 2px solid rgba(95, 134, 169, 0.22);
  border-left: 0;
  border-bottom-right-radius: 999px;
  border-top-right-radius: 999px;
}

.path-card {
  position: absolute;
  background: rgba(255, 255, 255, 0.92);
  border: 1px solid rgba(220, 229, 238, 0.9);
  border-radius: 18px;
  box-shadow: 0 22px 70px rgba(16, 38, 63, 0.12);
  backdrop-filter: blur(12px);
}

.path-card-main {
  top: 2rem;
  right: 0;
  width: min(440px, 100%);
  padding: 2rem;
  background: linear-gradient(135deg, #ffffff, var(--blue-panel));
}

.path-card-main p {
  margin: 0 0 1.35rem;
  color: var(--accent);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.path-card-main strong {
  display: block;
  color: var(--ink);
  font-size: clamp(2rem, 3vw, 3.1rem);
  line-height: 1.04;
}

.path-card-main span {
  display: block;
  margin-top: 1.2rem;
  color: var(--ink-soft);
}

.path-card-small {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  padding: 0.85rem 1rem;
  color: var(--ink);
  font-weight: 850;
}

.path-card-small span {
  color: var(--gold);
}

.path-card-small.one {
  left: 1rem;
  top: 7.5rem;
}

.path-card-small.two {
  left: 7.2rem;
  bottom: 7rem;
}

.path-card-small.three {
  right: 7rem;
  bottom: 4rem;
}

.path-card-small.four {
  right: 1.2rem;
  top: 18.5rem;
}

.service-rail-section {
  max-width: none;
  padding: 5rem 0;
  background: #ffffff;
}

.rail-heading {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 1.5rem;
  max-width: 1180px;
  margin: 0 auto 1.8rem;
  padding: 0 1.25rem;
}

.rail-heading h2 {
  max-width: 760px;
  margin: 0;
  font-size: clamp(2rem, 3.3vw, 3.8rem);
  line-height: 1.02;
}

.rail-controls {
  display: flex;
  gap: 0.6rem;
}

.rail-btn {
  width: 44px;
  height: 44px;
  border: 1px solid var(--line);
  border-radius: 50%;
  background: var(--white);
  color: var(--ink);
  cursor: pointer;
  font-size: 1.4rem;
}

.service-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem;
  max-width: 1180px;
  margin: -0.6rem auto 1.4rem;
  padding: 0 1.25rem;
}

.service-tab {
  min-height: 44px;
  padding: 0.68rem 1rem;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: var(--white);
  color: var(--ink-soft);
  cursor: pointer;
  font: inherit;
  font-size: 0.92rem;
  font-weight: 850;
}

.service-tab:hover,
.service-tab.is-active {
  border-color: rgba(200, 155, 60, 0.46);
  background: var(--gold-pale);
  color: var(--ink);
}

.service-rail {
  display: grid;
  grid-auto-columns: minmax(290px, 360px);
  grid-auto-flow: column;
  gap: 1rem;
  overflow-x: auto;
  overscroll-behavior-inline: contain;
  scroll-padding-inline: max(1.25rem, calc((100vw - 1180px) / 2 + 1.25rem));
  scroll-snap-type: inline mandatory;
  padding: 0 max(1.25rem, calc((100vw - 1180px) / 2 + 1.25rem)) 1.2rem;
}

.service-rail::-webkit-scrollbar {
  height: 10px;
}

.service-rail::-webkit-scrollbar-thumb {
  background: var(--blue-panel);
  border-radius: 999px;
}

.rail-card {
  min-height: 310px;
  padding: 1.45rem;
  border: 1px solid var(--line);
  border-radius: 18px;
  background: linear-gradient(180deg, #ffffff, #f8fbfe);
  scroll-snap-align: start;
}

.rail-card.is-hidden {
  display: none;
}

.rail-card:nth-child(2n) {
  background: linear-gradient(180deg, var(--blue-soft), #ffffff);
}

.rail-card p {
  margin: 0 0 1rem;
  color: var(--accent);
  font-size: 0.76rem;
  font-weight: 900;
  letter-spacing: 0.07em;
  text-transform: uppercase;
}

.rail-card h3 {
  margin: 0 0 0.9rem;
  font-size: 1.55rem;
  line-height: 1.08;
}

.rail-card h3 a {
  text-decoration: none;
}

.rail-card span {
  display: block;
  color: var(--ink-soft);
}

.rail-card .text-link {
  display: inline-flex;
  margin-top: 1.4rem;
}

.intro-band {
  max-width: none;
  padding-left: max(1.25rem, calc((100vw - 1180px) / 2 + 1.25rem));
  padding-right: max(1.25rem, calc((100vw - 1180px) / 2 + 1.25rem));
  background: linear-gradient(90deg, var(--gold-pale), #ffffff);
}

.fold-section {
  display: grid;
  grid-template-columns: minmax(0, 0.72fr) minmax(0, 1fr);
  gap: 3rem;
  align-items: start;
}

.fold-section h2 {
  margin: 0 0 1rem;
  font-size: clamp(2rem, 3.4vw, 3.8rem);
  line-height: 1.02;
}

.fold-list {
  display: grid;
  gap: 0.8rem;
}

.fold-list details {
  overflow: hidden;
  border-radius: 14px;
  background: var(--blue-soft);
}

.fold-list summary {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 1.15rem 1.25rem;
}

.fold-list summary span {
  color: var(--gold);
}

.fold-list details[open] {
  background: linear-gradient(135deg, var(--blue-panel), #ffffff);
}

.fold-list p {
  padding-left: 4rem;
}

.reveal {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity 600ms ease, transform 600ms ease;
}

.reveal.is-visible {
  opacity: 1;
  transform: none;
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  .reveal {
    opacity: 1;
    transform: none;
    transition: none;
  }
}

@media (max-width: 1120px) {
  .nav-menu {
    gap: 0.7rem;
  }

  .nav-menu a,
  .nav-dropdown > button {
    font-size: 0.9rem;
  }
}

@media (max-width: 960px) {
  .nav-utility {
    justify-content: center;
    flex-wrap: wrap;
  }

  .nav-menu {
    display: grid;
    gap: 0.25rem;
  }

  .nav-dropdown {
    position: static;
  }

  .nav-dropdown > button {
    width: 100%;
    justify-content: space-between;
  }

  .nav-panel {
    position: static;
    display: none;
    min-width: 0;
    box-shadow: none;
    opacity: 1;
    pointer-events: auto;
    transform: none;
  }

  .nav-dropdown > button[aria-expanded="true"] + .nav-panel {
    display: grid;
  }

  .hero {
    grid-template-columns: 1fr;
  }

  .hero-visual {
    min-height: 430px;
  }

  .fold-section {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  .hero {
    padding-top: 3rem;
    padding-bottom: 3rem;
  }

  .hero-copy h1 {
    font-size: 2.75rem;
  }

  .hero-visual {
    min-height: auto;
  }

  .path-line,
  .path-card-small {
    display: none;
  }

  .path-card {
    position: static;
  }

  .path-card-main {
    width: 100%;
  }

  .rail-heading {
    align-items: start;
    flex-direction: column;
  }

  .service-rail {
    grid-auto-columns: minmax(82vw, 1fr);
  }
}

/* Dark brand navigation */
.site-header {
  background: var(--blue-deep);
  border-bottom: 0;
}

.nav-utility {
  background: #07172b;
  color: rgba(255, 255, 255, 0.78);
  max-width: none;
  padding-left: max(1.25rem, calc((100vw - 1320px) / 2 + 1.25rem));
  padding-right: max(1.25rem, calc((100vw - 1320px) / 2 + 1.25rem));
}

.nav-utility a {
  color: rgba(255, 255, 255, 0.86);
}

.nav-shell {
  min-height: 88px;
  border-top: 0;
  background: var(--blue-deep);
}

.custom-logo-link {
  width: 68px;
  height: 68px;
  background: #07172b;
  border-radius: 8px;
  box-shadow: 0 10px 28px rgba(0, 0, 0, 0.18);
}

.brand-text strong,
.nav-menu a,
.nav-dropdown > button {
  color: var(--white);
}

.brand-text span {
  color: rgba(255, 255, 255, 0.75);
}

.nav-menu a:hover,
.nav-dropdown > button:hover {
  color: var(--gold-soft);
}

.header-cta {
  min-height: 50px;
  border-radius: 8px;
  background: var(--gold);
  color: #07172b;
}

.nav-panel a {
  color: var(--ink);
}

@media (max-width: 960px) {
  .nav-shell {
    min-height: 76px;
  }

  .custom-logo-link {
    width: 58px;
    height: 58px;
  }

  .nav-toggle {
    border-color: rgba(255, 255, 255, 0.3);
    background: rgba(255, 255, 255, 0.08);
  }

  .nav-toggle span:not(.screen-reader-text) {
    background: var(--white);
  }

  .primary-nav {
    background: var(--blue-deep);
    border-bottom: 0;
  }
}

/* Navigation accessibility and hero visual corrections */
.site-header,
.nav-shell,
.primary-nav,
.nav-dropdown {
  overflow: visible;
}

.site-header {
  z-index: 1000;
  background: #07172b;
}

.nav-shell {
  background: #07172b;
}

.nav-panel {
  top: 100%;
  z-index: 1100;
  border-top-left-radius: 0;
  border-top-right-radius: 0;
}

.nav-dropdown:hover .nav-panel,
.nav-dropdown:focus-within .nav-panel,
.nav-dropdown > button[aria-expanded="true"] + .nav-panel {
  opacity: 1;
  pointer-events: auto;
  transform: translateY(0);
}

.hero-visual {
  display: grid;
  align-content: center;
  gap: 1rem;
  min-height: auto;
}

.hero-visual .path-line {
  display: none;
}

.hero-visual .path-card {
  position: static;
}

.path-card-main {
  width: 100%;
}

.path-card-small.one,
.path-card-small.two,
.path-card-small.three,
.path-card-small.four {
  position: static;
}

.path-card-small {
  justify-self: start;
}

.path-card-small.two {
  justify-self: center;
}

.path-card-small.three,
.path-card-small.four {
  justify-self: end;
}

@media (max-width: 960px) {
  .nav-panel {
    border-radius: 12px;
  }
}

/* Header polish and pathway reset */
.site-header {
  z-index: 5000;
  overflow: visible;
  background: #07172b;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  backdrop-filter: none;
}

.nav-utility {
  background: #07172b;
  color: rgba(255, 255, 255, 0.78);
}

.nav-shell {
  width: 100%;
  max-width: none;
  min-height: 108px;
  padding-left: max(2rem, calc((100vw - 1500px) / 2 + 2rem));
  padding-right: max(2rem, calc((100vw - 1500px) / 2 + 2rem));
  overflow: visible;
  background: #07172b;
}

.brand {
  min-width: 360px;
}

.custom-logo-link {
  width: 86px;
  height: 86px;
  background: #07172b;
  border-radius: 10px;
}

.brand-text strong {
  color: #ffffff;
  font-size: clamp(1.15rem, 1.45vw, 1.7rem);
}

.brand-text span {
  max-width: none;
  color: rgba(255, 255, 255, 0.78);
  font-size: clamp(0.88rem, 1vw, 1.08rem);
}

.primary-nav {
  position: relative;
  overflow: visible;
}

.nav-menu {
  gap: clamp(0.85rem, 1.6vw, 1.85rem);
}

.nav-dropdown {
  position: relative;
  overflow: visible;
}

.nav-dropdown::after {
  content: "";
  position: absolute;
  left: -0.75rem;
  right: -0.75rem;
  top: 100%;
  height: 0.85rem;
}

.nav-menu a,
.nav-dropdown > button {
  min-height: 54px;
  color: #ffffff;
  font-size: clamp(0.95rem, 1vw, 1.18rem);
}

.nav-menu a:hover,
.nav-dropdown > button:hover,
.nav-dropdown:focus-within > button {
  color: var(--gold-soft);
}

.nav-panel {
  top: calc(100% + 0.3rem);
  left: 50%;
  z-index: 6000;
  min-width: 310px;
  padding: 0.7rem;
  overflow: visible;
  background: rgba(255, 255, 255, 0.98);
  border: 1px solid rgba(220, 229, 238, 0.95);
  border-radius: 12px;
  box-shadow: 0 26px 70px rgba(7, 23, 43, 0.22);
  transform: translate(-50%, 8px);
}

.nav-dropdown:hover .nav-panel,
.nav-dropdown:focus-within .nav-panel,
.nav-dropdown > button[aria-expanded="true"] + .nav-panel {
  opacity: 1;
  pointer-events: auto;
  transform: translate(-50%, 0);
}

.nav-panel a {
  min-height: 0;
  color: var(--ink);
  font-size: 0.98rem;
}

.header-cta {
  min-height: 56px;
  margin-left: 0;
  padding: 0 1.45rem;
  border-color: var(--gold);
  border-radius: 10px;
  background: var(--gold);
  color: #07172b;
}

.hero-visual {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  align-content: center;
  gap: 1rem;
  min-height: auto;
}

.hero-visual .path-line {
  display: none;
}

.hero-visual .path-card {
  position: static;
}

.path-card-main {
  grid-column: 1 / -1;
  width: 100%;
  padding: clamp(1.5rem, 2.2vw, 2.3rem);
}

.path-card-main strong {
  max-width: 11ch;
  font-size: clamp(2.1rem, 3.7vw, 4.2rem);
}

.path-card-main span {
  max-width: 34rem;
  font-size: clamp(1rem, 1.3vw, 1.22rem);
}

.path-card-small.one,
.path-card-small.two,
.path-card-small.three,
.path-card-small.four {
  position: static;
}

.path-card-small {
  width: 100%;
  min-height: 88px;
  justify-content: flex-start;
  padding: 1rem 1.1rem;
  border-radius: 14px;
  font-size: clamp(1rem, 1.25vw, 1.18rem);
}

@media (max-width: 1180px) {
  .brand {
    min-width: 300px;
  }

  .custom-logo-link {
    width: 74px;
    height: 74px;
  }

  .nav-menu {
    gap: 0.8rem;
  }

  .header-cta {
    padding: 0 1rem;
  }
}

@media (max-width: 960px) {
  .nav-shell {
    min-height: 82px;
    padding-left: 1rem;
    padding-right: 1rem;
  }

  .brand {
    min-width: 0;
  }

  .custom-logo-link {
    width: 62px;
    height: 62px;
  }

  .nav-panel {
    left: auto;
    transform: none;
  }

  .nav-dropdown:hover .nav-panel,
  .nav-dropdown:focus-within .nav-panel,
  .nav-dropdown > button[aria-expanded="true"] + .nav-panel {
    transform: none;
  }

  .hero-visual {
    grid-template-columns: 1fr;
  }
}

/* Lighter hero map and cursor interaction */
.cursor-lens {
  position: fixed;
  left: 0;
  top: 0;
  z-index: 4999;
  width: 38px;
  height: 38px;
  border: 4px solid rgba(95, 134, 169, 0.92);
  border-radius: 50%;
  opacity: 0;
  pointer-events: none;
  transform: translate3d(-50%, -50%, 0) scale(0.72);
  transition: opacity 160ms ease, transform 180ms ease, border-color 180ms ease;
  mix-blend-mode: multiply;
}

.cursor-lens::after {
  content: "";
  position: absolute;
  inset: 9px;
  border-radius: inherit;
  background: rgba(35, 65, 95, 0.92);
}

.cursor-lens.is-active {
  opacity: 0.95;
}

.cursor-lens.is-clicking {
  animation: cursor-pop 420ms ease;
}

@keyframes cursor-pop {
  0% {
    box-shadow: 0 0 0 0 rgba(95, 134, 169, 0.34);
    transform: translate3d(-50%, -50%, 0) scale(0.72);
  }

  55% {
    box-shadow: 0 0 0 18px rgba(95, 134, 169, 0);
    transform: translate3d(-50%, -50%, 0) scale(1.08);
  }

  100% {
    box-shadow: 0 0 0 0 rgba(95, 134, 169, 0);
    transform: translate3d(-50%, -50%, 0) scale(0.72);
  }
}

.lending-map.hero-visual {
  position: relative;
  display: block;
  min-height: min(560px, 42vw);
  isolation: isolate;
}

.lending-map::before {
  content: "";
  position: absolute;
  inset: 7% 3% 5% 6%;
  z-index: -2;
  border-radius: 42% 58% 46% 54%;
  background:
    radial-gradient(circle at 38% 30%, rgba(255, 255, 255, 0.92), transparent 10rem),
    linear-gradient(135deg, rgba(231, 241, 248, 0.86), rgba(255, 255, 255, 0.35));
  filter: blur(0);
}

.map-orbit {
  position: absolute;
  inset: 12% 8% 10%;
  border: 1px solid rgba(95, 134, 169, 0.28);
  border-left-color: transparent;
  border-radius: 50%;
  animation: map-drift 14s linear infinite;
}

.map-core {
  position: absolute;
  left: 12%;
  top: 16%;
  max-width: 470px;
  padding: 0;
}

.map-core p {
  margin: 0 0 1rem;
  color: var(--accent);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.09em;
  text-transform: uppercase;
}

.map-core strong {
  display: block;
  color: var(--ink);
  font-size: clamp(2.35rem, 4.4vw, 5rem);
  line-height: 0.96;
}

.map-core span {
  display: block;
  max-width: 30rem;
  margin-top: 1.25rem;
  color: var(--ink-soft);
  font-size: clamp(1rem, 1.3vw, 1.2rem);
  line-height: 1.55;
}

.map-step {
  position: absolute;
  display: inline-flex;
  align-items: center;
  gap: 0.65rem;
  min-height: 60px;
  max-width: 210px;
  padding: 0.85rem 1.05rem;
  border: 1px solid rgba(220, 229, 238, 0.9);
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.82);
  box-shadow: 0 18px 46px rgba(16, 38, 63, 0.1);
  color: var(--ink);
  font-size: clamp(0.95rem, 1.1vw, 1.12rem);
  font-weight: 900;
  backdrop-filter: blur(12px);
  animation: map-float 6.5s ease-in-out infinite;
}

.map-step span {
  color: var(--gold);
}

.step-one {
  left: 5%;
  bottom: 20%;
}

.step-two {
  right: 4%;
  top: 38%;
  animation-delay: -1.5s;
}

.step-three {
  right: 12%;
  bottom: 12%;
  animation-delay: -3s;
}

.step-four {
  left: 36%;
  bottom: 2%;
  animation-delay: -4.5s;
}

@keyframes map-drift {
  to {
    transform: rotate(360deg);
  }
}

@keyframes map-float {
  0%,
  100% {
    transform: translateY(0);
  }

  50% {
    transform: translateY(-10px);
  }
}

@media (hover: none), (pointer: coarse) {
  .cursor-lens {
    display: none;
  }
}

@media (max-width: 960px) {
  .lending-map.hero-visual {
    min-height: 520px;
  }
}

@media (max-width: 640px) {
  .lending-map.hero-visual {
    min-height: auto;
    display: grid;
    gap: 0.75rem;
  }

  .lending-map::before,
  .map-orbit {
    display: none;
  }

  .map-core,
  .map-step {
    position: static;
  }

  .map-core {
    max-width: none;
    padding: 1rem 0;
  }

  .map-step {
    border-radius: 14px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .cursor-lens,
  .cursor-lens.is-clicking,
  .map-orbit,
  .map-step {
    animation: none;
  }
}

/* Finance flow hero visual */
.finance-flow.hero-visual {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  align-content: center;
  gap: 1rem;
  min-height: min(560px, 42vw);
  isolation: isolate;
  overflow: hidden;
}

.finance-flow::before {
  content: "";
  position: absolute;
  inset: 6% 4% 4%;
  z-index: -2;
  border-radius: 28px;
  background:
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='220' height='220' viewBox='0 0 220 220'%3E%3Cg fill='none' stroke='%235f86a9' stroke-width='8' stroke-linecap='round' stroke-linejoin='round' opacity='.18'%3E%3Cpath d='M42 104 110 48l68 56'/%3E%3Cpath d='M62 96v72h76v-48h34v48h-34'/%3E%3Cpath d='M92 168v-38h32v38'/%3E%3C/g%3E%3C/svg%3E") right 7% top 12% / 170px 170px no-repeat,
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='180' height='180' viewBox='0 0 180 180'%3E%3Cg fill='none' stroke='%23c89b3c' stroke-width='9' stroke-linecap='round' opacity='.16'%3E%3Cpath d='M48 128 128 48'/%3E%3Ccircle cx='55' cy='58' r='18'/%3E%3Ccircle cx='125' cy='122' r='18'/%3E%3C/g%3E%3C/svg%3E") left 8% bottom 8% / 132px 132px no-repeat,
    linear-gradient(145deg, rgba(231, 241, 248, 0.9), rgba(255, 255, 255, 0.74)),
    radial-gradient(circle at 70% 12%, rgba(200, 155, 60, 0.18), transparent 12rem);
  box-shadow: inset 0 0 0 1px rgba(220, 229, 238, 0.82);
}

.finance-flow::after {
  content: "";
  position: absolute;
  right: 7%;
  top: 10%;
  z-index: -1;
  width: 120px;
  height: 120px;
  border: 1px solid rgba(95, 134, 169, 0.28);
  border-radius: 50%;
  background: radial-gradient(circle, rgba(95, 134, 169, 0.16) 0 22%, transparent 23%);
  animation: flow-spin 12s linear infinite;
}

.finance-flow .flow-card-primary::after {
  content: "$";
  position: absolute;
  right: clamp(1.4rem, 4vw, 3.4rem);
  top: 50%;
  color: rgba(95, 134, 169, 0.08);
  font-size: clamp(5rem, 9vw, 9rem);
  font-weight: 950;
  line-height: 1;
  transform: translateY(-50%) rotate(-8deg);
  pointer-events: none;
}

.flow-steps {
  position: relative;
}

.flow-steps::before {
  content: "";
  position: absolute;
  right: calc(100% + 1rem);
  top: 0.6rem;
  width: 84px;
  height: 150px;
  opacity: 0.18;
  background:
    linear-gradient(180deg, transparent 0 18px, rgba(95, 134, 169, 0.7) 18px 100%) left 14px top / 3px 100% no-repeat,
    linear-gradient(90deg, transparent 0 18px, rgba(95, 134, 169, 0.7) 18px 100%) left 14px top 25px / 72px 3px no-repeat,
    linear-gradient(90deg, transparent 0 18px, rgba(95, 134, 169, 0.7) 18px 100%) left 14px top 75px / 60px 3px no-repeat,
    linear-gradient(90deg, transparent 0 18px, rgba(95, 134, 169, 0.7) 18px 100%) left 14px top 125px / 46px 3px no-repeat;
  pointer-events: none;
}

.flow-card,
.flow-step,
.flow-options div {
  background: rgba(255, 255, 255, 0.88);
  border: 1px solid rgba(220, 229, 238, 0.92);
  box-shadow: 0 18px 46px rgba(16, 38, 63, 0.1);
  backdrop-filter: blur(14px);
}

.flow-card-primary {
  position: relative;
  overflow: hidden;
  padding: clamp(1.35rem, 2.4vw, 2.2rem);
  border-radius: 22px;
}

.flow-card-primary::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(105deg, transparent 0 30%, rgba(255, 255, 255, 0.68) 44%, transparent 58% 100%);
  transform: translateX(-120%);
  animation: flow-sheen 5.5s ease-in-out infinite;
}

.flow-card-primary p {
  position: relative;
  margin: 0 0 0.8rem;
  color: var(--accent);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.09em;
  text-transform: uppercase;
}

.flow-card-primary h2 {
  position: relative;
  max-width: 12ch;
  margin: 0;
  color: var(--ink);
  font-size: clamp(2.1rem, 3.4vw, 4rem);
  line-height: 0.98;
}

.flow-meter {
  position: relative;
  height: 10px;
  margin-top: 1.4rem;
  overflow: hidden;
  border-radius: 999px;
  background: rgba(95, 134, 169, 0.16);
}

.flow-meter span {
  display: block;
  width: 68%;
  height: 100%;
  border-radius: inherit;
  background: linear-gradient(90deg, var(--gold), var(--gold-soft));
  animation: flow-meter 4s ease-in-out infinite;
}

.flow-steps {
  display: grid;
  gap: 0.75rem;
  width: min(92%, 460px);
  margin-left: auto;
}

.flow-step {
  display: grid;
  grid-template-columns: auto 1fr;
  align-items: center;
  gap: 0.85rem;
  min-height: 66px;
  padding: 0.9rem 1rem;
  border-radius: 16px;
  animation: flow-rise 6s ease-in-out infinite;
}

.flow-step:nth-child(2) {
  animation-delay: -2s;
}

.flow-step:nth-child(3) {
  animation-delay: -4s;
}

.flow-step span {
  display: inline-grid;
  place-items: center;
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: var(--gold-pale);
  color: var(--gold);
  font-weight: 950;
}

.flow-step strong {
  color: var(--ink);
  font-size: 1.04rem;
}

.flow-step.is-active {
  transform: translateX(-1rem);
  border-color: rgba(200, 155, 60, 0.38);
}

.flow-options {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.75rem;
}

.flow-options div {
  min-height: 112px;
  padding: 1rem;
  border-radius: 16px;
}

.flow-options span {
  display: block;
  margin-bottom: 0.4rem;
  color: var(--accent);
  font-size: 0.72rem;
  font-weight: 900;
  letter-spacing: 0.07em;
  text-transform: uppercase;
}

.flow-options strong {
  display: block;
  color: var(--ink);
  line-height: 1.18;
}

@keyframes flow-sheen {
  0%,
  35% {
    transform: translateX(-120%);
  }

  70%,
  100% {
    transform: translateX(120%);
  }
}

@keyframes flow-meter {
  0%,
  100% {
    width: 48%;
  }

  50% {
    width: 86%;
  }
}

@keyframes flow-rise {
  0%,
  100% {
    transform: translateY(0);
  }

  50% {
    transform: translateY(-6px);
  }
}

@keyframes flow-spin {
  to {
    transform: rotate(360deg);
  }
}

@media (max-width: 960px) {
  .finance-flow.hero-visual {
    min-height: auto;
  }
}

@media (max-width: 640px) {
  .flow-steps {
    width: 100%;
  }

  .flow-step.is-active {
    transform: none;
  }

  .flow-options {
    grid-template-columns: 1fr;
  }
}

@media (prefers-reduced-motion: reduce) {
  .finance-flow::after,
  .flow-card-primary::before,
  .flow-meter span,
  .flow-step {
    animation: none;
  }
}

.hero-ai.hero-visual {
  display: block;
  grid-template-columns: none;
  width: 100%;
  min-width: 0;
}

/* Viewport-fit hero refinement */
@media (min-width: 961px) {
  .hero {
    min-height: calc(100svh - 145px);
    align-items: center;
    gap: clamp(2rem, 4vw, 4rem);
    padding-top: clamp(2rem, 4.8vh, 4rem);
    padding-bottom: clamp(1.5rem, 4vh, 3.5rem);
  }

  .hero.hero-with-ai {
    grid-template-columns: minmax(0, 0.95fr) minmax(520px, 0.9fr);
  }

  .hero-copy h1 {
    font-size: clamp(3rem, 4.7vw, 5.2rem);
  }

  .hero .lead {
    margin-top: 1rem;
    font-size: clamp(1rem, 1.15vw, 1.12rem);
  }

  .hero-actions,
  .trust-list,
  .hero-calculators {
    margin-top: 1.25rem;
  }

  .finance-flow.hero-visual {
    min-height: clamp(390px, 54vh, 500px);
    gap: 0.78rem;
  }

  .flow-card-primary {
    padding: clamp(1.15rem, 2vw, 1.75rem);
  }

  .flow-card-primary h2 {
    font-size: clamp(2rem, 3vw, 3.45rem);
  }

  .flow-step {
    min-height: 58px;
    padding: 0.72rem 0.9rem;
  }

  .flow-step span {
    width: 36px;
    height: 36px;
  }

  .flow-options div {
    min-height: 88px;
    padding: 0.82rem;
  }
}

@media (min-width: 961px) and (max-height: 820px) {
  .nav-shell {
    min-height: 92px;
  }

  .custom-logo-link {
    width: 72px;
    height: 72px;
  }

  .hero {
    min-height: calc(100svh - 125px);
    padding-top: clamp(1.4rem, 3vh, 2.2rem);
    padding-bottom: clamp(1rem, 2.4vh, 1.8rem);
  }

  .hero-copy h1 {
    font-size: clamp(2.65rem, 4.15vw, 4.55rem);
  }

  .trust-list li {
    padding-top: 0.38rem;
    padding-bottom: 0.38rem;
  }

  .hero-calculators {
    gap: 0.55rem;
  }

  .hero-calculators a {
    padding: 0.6rem 0.78rem;
  }

  .finance-flow.hero-visual {
    min-height: clamp(340px, 48vh, 430px);
  }

  .flow-meter {
    margin-top: 1rem;
  }

  .flow-step {
    min-height: 52px;
  }

  .flow-options div {
    min-height: 76px;
  }
}

@media (min-width: 961px) and (max-height: 700px) {
  .nav-utility {
    display: none;
  }

  .nav-shell {
    min-height: 78px;
  }

  .custom-logo-link {
    width: 60px;
    height: 60px;
  }

  .brand-text span,
  .trust-list,
  .hero-calculators {
    display: none;
  }

  .hero {
    min-height: calc(100svh - 80px);
    grid-template-columns: minmax(0, 1fr) minmax(360px, 0.78fr);
  }

  .hero.hero-with-ai {
    grid-template-columns: minmax(0, 1fr) minmax(440px, 0.86fr);
  }

  .hero-copy h1 {
    font-size: clamp(2.35rem, 3.8vw, 4rem);
  }

  .finance-flow.hero-visual {
    min-height: 330px;
  }

  .flow-options {
    display: none;
  }
}

/* Mobile repair and market bulletin */
.market-news-section {
  display: grid;
  grid-template-columns: minmax(0, 0.45fr) minmax(0, 0.55fr);
  gap: clamp(1.5rem, 4vw, 3rem);
  align-items: start;
  padding-top: clamp(3rem, 6vw, 5rem);
  padding-bottom: clamp(3rem, 6vw, 5rem);
}

.market-news-copy h2 {
  margin: 0;
  font-size: clamp(2rem, 3.2vw, 3.8rem);
  line-height: 1.02;
}

.market-news-copy > p {
  color: var(--ink-soft);
}

.market-stats {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.75rem;
  margin-top: 1.4rem;
}

.market-stats div,
.market-news-card {
  border: 1px solid var(--line);
  border-radius: 18px;
  background: linear-gradient(145deg, rgba(255, 255, 255, 0.96), rgba(231, 241, 248, 0.72));
  box-shadow: 0 18px 48px rgba(16, 38, 63, 0.08);
}

.market-stats div {
  min-height: 112px;
  padding: 1rem;
}

.market-stats span {
  display: block;
  color: var(--accent);
  font-size: clamp(1.45rem, 2.2vw, 2.4rem);
  font-weight: 950;
  line-height: 1;
}

.market-stats strong {
  display: block;
  margin-top: 0.55rem;
  color: var(--ink);
  font-size: 0.9rem;
  line-height: 1.25;
}

.market-news-panel {
  display: grid;
  gap: 0.85rem;
}

.market-news-card {
  padding: clamp(1rem, 1.6vw, 1.35rem);
}

.market-news-card h3 {
  margin: 0.25rem 0 0.45rem;
  font-size: clamp(1.02rem, 1.25vw, 1.28rem);
  line-height: 1.2;
}

.market-news-card h3 a {
  text-decoration: none;
}

.market-news-card p {
  margin: 0;
  color: var(--ink-soft);
}

.market-date {
  color: var(--accent) !important;
  font-size: 0.72rem;
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

@media (max-width: 960px) {
  html,
  body {
    max-width: 100%;
    overflow-x: hidden;
  }

  .site-main {
    overflow-x: hidden;
  }

  .nav-utility {
    justify-content: center;
    flex-wrap: wrap;
    gap: 0.35rem 1rem;
    padding: 0.7rem 1rem;
    text-align: center;
  }

  .nav-shell {
    min-height: auto;
    padding: 0.9rem 1rem;
  }

  .hero.hero-with-ai,
  .hero {
    display: grid;
    grid-template-columns: minmax(0, 1fr) !important;
    gap: 1.6rem;
    width: 100%;
    padding: 2.4rem 1rem 3rem;
    overflow: hidden;
  }

  .hero-copy,
  .hero-visual,
  .hero-ai.hero-visual {
    width: 100%;
    max-width: 100%;
    min-width: 0;
  }

  .hero-copy h1 {
    max-width: 12ch;
    font-size: clamp(2.65rem, 15vw, 4.15rem);
    line-height: 0.98;
  }

  .hero .lead {
    max-width: 32rem;
    font-size: 1.03rem;
    line-height: 1.55;
  }

  .hero-actions {
    align-items: stretch;
  }

  .hero-actions .button {
    flex: 1 1 160px;
  }

  .hero-calculator-kicker {
    max-width: none;
    line-height: 1.25;
  }

  .hero-calculators {
    grid-template-columns: repeat(2, minmax(0, 1fr)) !important;
    max-width: none;
  }

  .market-news-section {
    grid-template-columns: 1fr;
  }

  .market-stats {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 520px) {
  .nav-utility a {
    font-size: 0.88rem;
  }

  .brand-text strong {
    font-size: clamp(1.2rem, 7vw, 1.7rem);
  }

  .custom-logo-link {
    width: 64px;
    height: 64px;
  }

  .nav-toggle {
    flex: 0 0 56px;
    width: 56px;
    height: 56px;
    margin-left: auto;
  }

  .hero-copy h1 {
    max-width: 10ch;
    font-size: clamp(2.8rem, 17vw, 4.4rem);
  }

  .hero-calculators {
    grid-template-columns: 1fr !important;
  }

  .hero-calculators a {
    padding: 0.6rem 0.75rem;
  }
}

/* Final mobile navigation and market news polish */
@media (max-width: 960px) {
  .site-header {
    position: relative;
  }

  .nav-utility {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, auto));
    justify-content: center;
    gap: 0.35rem 1rem;
    padding: 0.65rem 1rem 0.35rem;
    font-size: 0.9rem;
  }

  .nav-shell {
    display: grid;
    grid-template-columns: minmax(0, 1fr) auto;
    align-items: center;
    gap: 0.85rem;
    padding: 0.85rem 1rem 1rem;
  }

  .brand {
    min-width: 0;
  }

  .brand-text span {
    display: none;
  }

  .primary-nav {
    grid-column: 1 / -1;
    width: 100%;
    max-height: 0;
    overflow: hidden;
    background: transparent;
    transition: max-height 240ms ease;
  }

  .primary-nav.is-open {
    max-height: 80vh;
  }

  .nav-menu {
    display: grid;
    gap: 0.45rem;
    width: 100%;
    margin-top: 0.85rem;
    padding: 0.85rem;
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: 18px;
    background: rgba(38, 70, 105, 0.64);
    box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.06);
  }

  .nav-menu a,
  .nav-dropdown > button {
    justify-content: space-between;
    width: 100%;
    min-height: 50px;
    padding: 0.35rem 0.65rem;
    color: #ffffff;
    font-size: 1.02rem;
  }

  .nav-dropdown::after {
    display: none;
  }

  .nav-panel {
    position: static;
    display: none;
    min-width: 0;
    margin: 0 0 0.35rem;
    padding: 0.35rem;
    border: 0;
    border-radius: 12px;
    background: rgba(255, 255, 255, 0.08);
    box-shadow: none;
    opacity: 1;
    pointer-events: auto;
    transform: none;
  }

  .nav-dropdown:hover .nav-panel,
  .nav-dropdown:focus-within .nav-panel,
  .nav-dropdown > button[aria-expanded="true"] + .nav-panel {
    display: grid;
    transform: none;
  }

  .nav-panel a {
    min-height: 42px;
    padding: 0.55rem 0.7rem;
    color: rgba(255, 255, 255, 0.9);
    font-size: 0.95rem;
  }

  .nav-panel a:hover {
    background: var(--gold);
    color: var(--ink);
  }

  .header-cta {
    display: none;
  }

}

@media (max-width: 520px) {
  .nav-utility {
    grid-template-columns: 1fr;
    gap: 0.18rem;
  }

  .nav-shell {
    padding-inline: 0.9rem;
  }

  .brand {
    gap: 0.65rem;
  }

  .brand-text strong {
    font-size: clamp(1.25rem, 8vw, 1.72rem);
    line-height: 1;
  }

  .custom-logo-link {
    width: 58px;
    height: 58px;
  }

  .nav-toggle {
    width: 52px;
    height: 52px;
  }

  .market-news-section {
    padding-inline: 1rem;
  }

  .market-stats {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .market-stats div:last-child {
    grid-column: 1 / -1;
  }
}

/* Mobile menu hard reset */
@media (max-width: 960px) {
  .site-header {
    overflow: visible !important;
  }

  .nav-shell {
    position: relative;
    display: grid !important;
    grid-template-columns: minmax(0, 1fr) auto;
    height: auto !important;
    min-height: 0 !important;
    align-items: center;
    padding: 0.9rem 1rem !important;
  }

  .primary-nav {
    position: static !important;
    inset: auto !important;
    grid-column: 1 / -1;
    display: block !important;
    width: 100% !important;
    max-height: 0;
    margin: 0 !important;
    overflow: hidden !important;
    border: 0 !important;
    background: transparent !important;
    transition: max-height 220ms ease;
  }

  .primary-nav.is-open {
    max-height: calc(100svh - 145px);
    overflow-y: auto !important;
  }

  .nav-menu {
    box-sizing: border-box;
    width: 100% !important;
    margin: 0.85rem 0 0 !important;
    padding: 0.85rem !important;
  }

  .nav-menu li {
    width: 100%;
  }

  .nav-toggle {
    align-self: center;
  }
}

/* Mobile viewport QA fixes */
@media (max-width: 760px) {
  html,
  body,
  .site-main {
    width: 100%;
    inline-size: 100%;
    max-width: 100%;
    max-inline-size: 100%;
    overflow-x: clip;
  }

  .nav-utility {
    padding: 0.65rem 0.9rem 0.25rem !important;
  }

  .nav-utility a {
    max-width: 100%;
    overflow-wrap: anywhere;
    font-size: clamp(0.84rem, 3.7vw, 0.98rem);
    line-height: 1.25;
  }

  .hero.hero-with-ai,
  .hero {
    width: auto !important;
    inline-size: auto !important;
    max-width: 100%;
    max-inline-size: 100%;
    padding: clamp(2rem, 7vw, 2.6rem) clamp(1rem, 5vw, 1.25rem) 2.8rem !important;
    gap: 1.35rem;
  }

  .hero-copy {
    width: 100%;
    inline-size: 100%;
    max-width: 100%;
    max-inline-size: 100%;
    min-width: 0;
  }

  .hero-copy .eyebrow {
    max-width: 100%;
    font-size: clamp(0.72rem, 3.4vw, 0.84rem);
    line-height: 1.45;
    white-space: normal;
  }

  .hero-copy h1 {
    max-width: 100% !important;
    margin-top: 1rem;
    font-size: clamp(3rem, 15.3vw, 4.05rem) !important;
    line-height: 1.02 !important;
    letter-spacing: 0;
  }

  .hero .lead {
    max-width: 100%;
    max-inline-size: 100%;
    font-size: clamp(1rem, 4.3vw, 1.12rem);
    line-height: 1.55;
  }

  .hero-actions {
    display: grid;
    grid-template-columns: 1fr;
    width: 100%;
    inline-size: 100%;
    max-inline-size: 100%;
    gap: 0.75rem;
  }

  .hero-actions .button {
    width: 100%;
    inline-size: 100%;
    max-inline-size: 100%;
    min-width: 0;
    min-height: 54px;
    padding-inline: 1rem;
  }

  .hero-calculator-kicker {
    max-width: 100%;
    font-size: 1.02rem;
  }

  .hero-calculators {
    width: 100%;
    inline-size: 100%;
    max-width: 100%;
    max-inline-size: 100%;
  }

  .hero-calculators a,
  .service-card,
  .market-news-card,
  .tfl-ai-card {
    max-width: 100%;
  }

  .hero-ai.hero-visual {
    margin-inline: 0;
  }

  .market-news-section,
  .section {
    max-width: 100%;
    max-inline-size: 100%;
  }
}

@media (max-width: 430px) {
  .nav-shell {
    gap: 0.65rem;
  }

  .brand-text strong {
    font-size: clamp(1.55rem, 7.8vw, 2rem) !important;
  }

  .hero-copy h1 {
    font-size: clamp(2.72rem, 14.2vw, 3.45rem) !important;
    line-height: 1.03 !important;
  }

  .hero-copy .eyebrow {
    letter-spacing: 0.08em;
  }
}

@media (max-width: 390px) {
  .brand-text strong {
    font-size: clamp(1.35rem, 7.2vw, 1.8rem) !important;
  }

  .custom-logo-link {
    width: 52px;
    height: 52px;
  }

  .hero-copy h1 {
    font-size: clamp(2.45rem, 13.3vw, 3.15rem) !important;
  }
}

/* Readability QA pass */
.market-news-section {
  grid-template-columns: minmax(320px, 0.8fr) minmax(0, 1.2fr);
}

.market-news-panel {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  align-items: stretch;
}

.market-news-card:first-child {
  grid-column: 1 / -1;
  padding: clamp(1.25rem, 1.9vw, 1.7rem);
  background: linear-gradient(145deg, rgba(255, 255, 255, 0.98), rgba(235, 244, 250, 0.86));
}

.market-news-card:first-child h3 {
  font-size: clamp(1.35rem, 1.65vw, 1.8rem);
}

.market-news-card {
  min-width: 0;
}

.market-news-card h3,
.market-news-card p {
  overflow-wrap: anywhere;
}

.market-news-card p:not(.market-date) {
  display: -webkit-box;
  overflow: hidden;
  -webkit-box-orient: vertical;
  -webkit-line-clamp: 3;
}

.market-news-card:first-child p:not(.market-date) {
  -webkit-line-clamp: 4;
}

@media (max-width: 1180px) {
  .market-news-section {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 760px) {
  .hero-copy h1 {
    max-width: 7.6ch !important;
    font-size: clamp(2.65rem, 12.2vw, 3.35rem) !important;
    line-height: 1.04 !important;
  }

  .hero-copy .eyebrow {
    max-width: 28rem;
  }

  .hero .lead {
    overflow-wrap: break-word;
  }

  .market-news-section {
    padding-top: 3rem;
  }

  .market-news-panel {
    grid-template-columns: 1fr;
  }

  .market-news-card:first-child {
    grid-column: auto;
  }
}

@media (max-width: 430px) {
  .hero-copy h1 {
    max-width: 7.3ch !important;
    font-size: clamp(2.45rem, 11.7vw, 3.05rem) !important;
  }
}

@media (max-width: 390px) {
  .hero-copy h1 {
    max-width: 7.1ch !important;
    font-size: clamp(2.28rem, 11vw, 2.86rem) !important;
  }
}

/* Mobile hero restoration: keep the headline readable without forcing a narrow word stack. */
@media (max-width: 760px) {
  .hero-copy h1 {
    max-width: 12.5ch !important;
    font-size: clamp(2.2rem, 9vw, 2.85rem) !important;
    line-height: 1.08 !important;
  }

  .hero-copy .eyebrow {
    max-width: 100% !important;
    font-size: clamp(0.72rem, 3vw, 0.82rem) !important;
    line-height: 1.45 !important;
  }

  .hero .lead {
    font-size: clamp(0.98rem, 3.7vw, 1.05rem) !important;
    line-height: 1.55 !important;
  }
}

@media (max-width: 430px) {
  .hero-copy h1 {
    max-width: 11.8ch !important;
    font-size: clamp(2.05rem, 8.6vw, 2.45rem) !important;
  }
}

@media (max-width: 390px) {
  .hero-copy h1 {
    max-width: 11.4ch !important;
    font-size: clamp(1.95rem, 8.2vw, 2.28rem) !important;
  }
}

/* Final header brand pass: logo-led header without visible wordmark text. */
.brand {
  min-width: auto !important;
}

.brand .custom-logo-link {
  width: clamp(82px, 6.5vw, 104px) !important;
  height: clamp(82px, 6.5vw, 104px) !important;
  border-radius: 12px;
}

.brand-text {
  display: none !important;
}

@media (max-width: 760px) {
  .brand .custom-logo-link {
    width: clamp(76px, 19vw, 94px) !important;
    height: clamp(76px, 19vw, 94px) !important;
  }
}

@media (max-width: 430px) {
  .brand .custom-logo-link {
    width: clamp(70px, 18vw, 82px) !important;
    height: clamp(70px, 18vw, 82px) !important;
  }
}

.footer-bottom p:last-child {
  text-align: right;
}

@media (max-width: 760px) {
  .footer-bottom p:last-child {
    text-align: left;
  }
}

/* -------------------------------------------------------
   Mobile nav bar: Logo | Translate | Call | Menu
   ------------------------------------------------------- */

/* Desktop: nav-actions wraps hidden mobile controls */
.nav-actions { display: flex; align-items: center; gap: 8px; }
.lang-switcher--nav { display: none !important; }
.nav-call { display: none; }

/* Pulse animation for call button */
@keyframes tfl-pulse {
  0%   { box-shadow: 0 0 0 0 rgba(200, 155, 60, 0.55); }
  70%  { box-shadow: 0 0 0 9px rgba(200, 155, 60, 0); }
  100% { box-shadow: 0 0 0 0 rgba(200, 155, 60, 0); }
}

@media (max-width: 960px) {
  /* 1. Hide utility bar */
  .nav-utility { display: none !important; }

  /* 2. Logo — bigger, no min-width lock */
  .nav-wrap .brand { min-width: 0 !important; }
  .nav-wrap .custom-logo-link { width: 72px !important; height: 72px !important; }

  /* 3. nav-actions: locked right-side group */
  .nav-actions { margin-left: auto; gap: 10px; align-items: center; }

  /* 4. Translate */
  .nav-actions .lang-switcher--nav { display: flex !important; align-items: center; }

  /* 5. Call button — gold filled circle with pulse */
  .nav-actions .nav-call {
    display: flex; align-items: center; justify-content: center;
    width: 40px; height: 40px; flex-shrink: 0;
    background: #c89b3c; border: none; border-radius: 50%;
    color: #07172b; text-decoration: none;
    animation: tfl-pulse 2s ease-out infinite;
  }
  .nav-actions .nav-call:hover { background: #b88a30; animation: none; }

  /* 6. Hamburger — keep block layout so 3 bars show correctly */
  .nav-actions .nav-toggle {
    display: block !important;
    margin-left: 0 !important;
    width: 40px; height: 40px;
    background: transparent !important;
    border: 1px solid rgba(255,255,255,0.25) !important;
    border-radius: 8px;
  }
  /* White bars on dark header */
  .nav-actions .nav-toggle span:not(.screen-reader-text) {
    background: #fff !important;
    width: 18px;
    height: 2px;
    margin: 3px auto;
    display: block;
  }
}

/* -------------------------------------------------------
   Calculator cards section
   ------------------------------------------------------- */
.calc-cards-section { padding: 4rem 1.25rem; max-width: 1180px; margin: 0 auto; }
.calc-cards-header { margin-bottom: 2rem; }
.calc-cards-header h2 { margin-top: 0.25rem; }

.calc-cards {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
}

.calc-card {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 4px;
  padding: 1.5rem 1.25rem 3rem;
  background: #fdf8ee;
  border: 1.5px solid #ead9b8;
  border-radius: 16px;
  text-decoration: none;
  transition: border-color 0.2s, box-shadow 0.2s, transform 0.18s;
  overflow: hidden;
}
.calc-card::after {
  content: '→';
  position: absolute;
  bottom: 1.1rem;
  right: 1.25rem;
  font-size: 1.1rem;
  font-weight: 700;
  color: #c89b3c;
  opacity: 0.55;
  transition: opacity 0.2s, transform 0.2s;
}
.calc-card:hover {
  border-color: #c89b3c;
  box-shadow: 0 6px 20px rgba(200,155,60,0.14);
  transform: translateY(-3px);
}
.calc-card:hover::after {
  opacity: 1;
  transform: translateX(4px);
}
.calc-label {
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: #c89b3c;
}
.calc-card strong {
  display: block;
  font-size: 1.45rem;
  font-weight: 800;
  color: var(--ink);
  line-height: 1.15;
  margin-top: 2px;
}
.calc-desc {
  font-size: 0.78rem;
  color: var(--ink-soft);
  margin-top: 6px;
}

@media (max-width: 960px) {
  .calc-cards { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
  .calc-cards { grid-template-columns: repeat(2, 1fr); }
  .calc-cards-section { padding: 3rem 1rem; }
}

/* -------------------------------------------------------
   Australia reach section
   ------------------------------------------------------- */
.aus-reach-section {
  background: var(--blue-deep);
  padding: 0;
}
.aus-reach-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
  max-width: 1180px;
  margin: 0 auto;
  padding: 5rem 1.25rem;
}
.aus-reach-copy .eyebrow { color: #c89b3c; }
.aus-reach-copy h2 {
  color: #fff;
  font-size: clamp(1.8rem, 2.8vw, 2.6rem);
  line-height: 1.2;
  margin: 0.4rem 0 1rem;
}
.aus-reach-copy p { color: rgba(255,255,255,0.78); line-height: 1.7; }
.aus-reach-actions {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
  margin-top: 1.75rem;
}
.button-light {
  background: #fff !important;
  color: var(--blue-deep) !important;
  border-color: #fff !important;
}
.button-outline-light {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 0.68rem 1.15rem;
  border: 1.5px solid rgba(255,255,255,0.4);
  border-radius: 6px;
  color: #fff;
  font-weight: 700;
  text-decoration: none;
  transition: border-color 0.2s, background 0.2s;
}
.button-outline-light:hover { border-color: #c89b3c; background: rgba(200,155,60,0.1); }

.aus-reach-map { display: flex; align-items: center; justify-content: center; }
.aus-svg { width: 100%; max-width: 400px; filter: drop-shadow(0 8px 32px rgba(0,0,0,0.3)); }

.aus-land {
  fill: rgba(255,255,255,0.08);
  stroke: rgba(255,255,255,0.22);
  stroke-width: 1.5;
}
.aus-pin { fill: rgba(255,255,255,0.5); }
.aus-pin-vic { fill: #c89b3c; }
.aus-pin-arrow { fill: rgba(255,255,255,0.4); }
.aus-pin-arrow-vic { fill: #c89b3c; }
.aus-state-label {
  fill: rgba(255,255,255,0.7);
  font-size: 13px;
  font-weight: 700;
  text-anchor: middle;
  font-family: inherit;
}
.aus-label-vic {
  fill: #c89b3c;
  font-size: 14px;
}

@media (max-width: 960px) {
  .aus-reach-inner {
    grid-template-columns: 1fr;
    padding: 3.5rem 1.25rem;
  }
  .aus-reach-map { order: -1; }
  .aus-svg { max-width: 300px; }
}