/* Housing Loan Advisors: home page concept */

:root {
  --blue: #008ad0;        /* logo blue */
  --blue-600: #0074b3;
  --blue-50: #eaf5fc;
  --navy: #0b2545;
  --navy-800: #0f2f57;
  --ink: #142339;
  --body: #4a5a70;
  --line: #e3e9f0;
  --bg-soft: #f5f8fb;
  --white: #fff;
  --radius: 14px;
  --radius-sm: 10px;
  --shadow: 0 10px 30px -12px rgba(11, 37, 69, .18);
  --shadow-lg: 0 30px 60px -20px rgba(11, 37, 69, .35);
  --font-head: "Plus Jakarta Sans", "Open Sans", system-ui, sans-serif;
  --font-body: "Open Sans", system-ui, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.65;
  color: var(--body);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
h1, h2, h3, h4 { font-family: var(--font-head); color: var(--ink); line-height: 1.2; margin: 0 0 .5em; letter-spacing: -.01em; }
h2 { font-size: clamp(1.6rem, 1.2rem + 1.6vw, 2.35rem); }
h3 { font-size: 1.125rem; }
p { margin: 0 0 1em; }

.container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 20px; }
.i { width: 1em; height: 1em; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; flex-shrink: 0; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5em;
  font-family: var(--font-head); font-weight: 700; font-size: .95rem;
  padding: .8em 1.4em; border-radius: 999px; border: 2px solid transparent;
  transition: background .2s, color .2s, border-color .2s, transform .2s, box-shadow .2s;
  white-space: nowrap; cursor: pointer;
}
.btn:hover { transform: translateY(-1px); }
.btn--lg { padding: 1em 1.7em; font-size: 1rem; }
.btn .i--wa { width: 1.25em; height: 1.25em; stroke-width: 1.7; }
.header__cta { letter-spacing: .02em; }
.btn--primary { background: var(--blue); color: #fff; box-shadow: 0 8px 20px -8px rgba(0, 138, 208, .7); }
.btn--primary:hover { background: var(--blue-600); }
.btn--ghost { border-color: rgba(255,255,255,.35); color: #fff; }
.btn--ghost:hover { border-color: #fff; background: rgba(255,255,255,.08); }
.btn--outline { border-color: var(--blue); color: var(--blue); }
.btn--outline:hover { background: var(--blue); color: #fff; }
.btn--white { background: #fff; color: var(--navy); }
.btn--white:hover { background: var(--blue-50); }

.link-arrow { display: inline-flex; align-items: center; gap: .4em; font-family: var(--font-head); font-weight: 700; color: var(--blue); }
.link-arrow .i { transition: transform .2s; }
.link-arrow:hover .i { transform: translateX(4px); }
.link-arrow .i--wa { width: 1.25em; height: 1.25em; stroke-width: 1.7; }
.link-arrow:hover .i--wa { transform: none; }

/* Header */
.header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.96); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); }
.header__inner { display: flex; align-items: center; gap: 32px; height: 80px; }
.header__logo img { width: 210px; height: auto; }
.nav { display: flex; align-items: center; gap: 28px; margin-left: auto; font-family: var(--font-head); font-weight: 600; font-size: .95rem; color: var(--ink); }
.nav a { position: relative; padding: 6px 0; }
.nav a::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 2px; background: var(--blue); transform: scaleX(0); transition: transform .2s; }
.nav a:hover::after, .nav a.is-active::after { transform: scaleX(1); }
.nav a.is-active { color: var(--blue); }
.burger { display: none; }

/* Hero */
.hero {
  position: relative; overflow: hidden; color: #cfdbea;
  background:
    radial-gradient(900px 500px at 85% 10%, rgba(0,138,208,.35), transparent 60%),
    radial-gradient(600px 400px at 0% 100%, rgba(0,138,208,.18), transparent 60%),
    linear-gradient(160deg, var(--navy) 0%, var(--navy-800) 100%);
}
.hero__inner { position: relative; z-index: 2; display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: center; padding-top: 88px; padding-bottom: 140px; }
.hero h1 { color: #fff; font-size: clamp(2.2rem, 1.4rem + 3.2vw, 3.6rem); font-weight: 800; line-height: 1.08; letter-spacing: -.02em; }
.hero h1 span { color: #5cbcf0; }
.hero__lead { font-size: 1.12rem; max-width: 34em; margin-bottom: 2em; }
.hero h1 { margin-bottom: .45em; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 2.2em; }
.hero-stats {
  display: grid; grid-template-columns: repeat(3, auto); width: max-content; max-width: 100%;
  background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); border-radius: 18px;
  backdrop-filter: blur(6px);
}
.hero-stats__item { display: flex; align-items: center; gap: 10px; padding: 16px; }
.hero-stats__item + .hero-stats__item { border-left: 1px solid rgba(255,255,255,.12); }
.hero-stats__icon { width: 38px; height: 38px; padding: 8px; flex-shrink: 0; border-radius: 10px; background: rgba(92,188,240,.15); fill: none; stroke: #5cbcf0; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.hero-stats strong { display: block; font-family: var(--font-head); font-size: 1.15rem; font-weight: 800; color: #fff; line-height: 1.2; white-space: nowrap; }
.hero-stats span { display: block; font-size: .8rem; color: #a9bbd0; line-height: 1.35; white-space: nowrap; }
.hero__skyline { position: absolute; left: 0; right: 0; bottom: -1px; width: 100%; height: 110px; fill: rgba(255,255,255,.05); z-index: 1; }
.hero__skyline::after { content: ""; }
.hero::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 28px; background: var(--white); border-radius: 28px 28px 0 0; z-index: 2; }

.hero__visual { position: relative; }
.compare-card { background: #fff; border-radius: 20px; padding: 26px; box-shadow: var(--shadow-lg); color: var(--body); }
.compare-card__head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 18px; }
.compare-card__title { font-family: var(--font-head); font-weight: 700; color: var(--ink); }
.chip { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; background: var(--blue-50); color: var(--blue); padding: .35em .8em; border-radius: 999px; }
.compare-row { display: grid; grid-template-columns: 96px 1fr auto; align-items: center; gap: 14px; padding: 12px 14px; border-radius: var(--radius-sm); border: 1px solid var(--line); margin-bottom: 10px; }
.compare-row img { width: 96px; height: 40px; object-fit: contain; mix-blend-mode: multiply; }
.compare-row--best { border-color: var(--blue); background: var(--blue-50); }
.bar { height: 8px; background: #edf1f5; border-radius: 99px; overflow: hidden; }
.bar span { display: block; height: 100%; background: linear-gradient(90deg, #7cc8f0, var(--blue)); border-radius: 99px; }
.compare-row:not(.compare-row--best) .bar span { background: #c5d3e2; }
.tag { font-size: .72rem; font-weight: 700; color: #fff; background: var(--blue); padding: .3em .7em; border-radius: 99px; }
.compare-card__foot { font-size: .78rem; color: #8a98aa; margin: 14px 0 0; }
.float-badge { position: absolute; right: -28px; top: -30px; display: flex; gap: 12px; align-items: center; background: #fff; border-radius: var(--radius); padding: 14px 18px; box-shadow: var(--shadow); }
.float-badge .i { width: 34px; height: 34px; padding: 7px; border-radius: 50%; background: var(--blue-50); color: var(--blue); }
.float-badge strong { display: block; font-family: var(--font-head); color: var(--ink); font-size: .92rem; }
.float-badge span { font-size: .8rem; color: var(--body); }

/* Banks */
.banks { padding: 36px 0 56px; }
.banks__label { text-align: center; font-size: .9rem; color: #7a889b; margin-bottom: 22px; }
.banks__grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 8px 16px; align-items: center; }
.banks__grid img { width: 100%; max-width: 150px; margin: 0 auto; mix-blend-mode: multiply; transition: transform .25s; }
.banks__grid img:hover { transform: scale(1.05); }
.banks__more { text-align: center; font-size: .85rem; font-style: italic; color: #8a98aa; }

/* Sections */
.section { padding: 96px 0; }
.section__head { max-width: 640px; margin-bottom: 48px; }
.section__head--center { margin-left: auto; margin-right: auto; text-align: center; }
.section__head--split { max-width: none; display: flex; justify-content: space-between; align-items: flex-end; gap: 24px; }
.section__head--split h2 { max-width: 560px; margin: 0; }

/* Services */
.services { background: var(--bg-soft); }
.services__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.svc { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; transition: transform .25s, box-shadow .25s, border-color .25s; }
.svc:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: transparent; }
.svc__icon { width: 52px; height: 52px; border-radius: 14px; background: var(--blue-50); display: grid; place-items: center; margin-bottom: 20px; }
.svc__icon svg { width: 26px; height: 26px; fill: none; stroke: var(--blue); stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.svc p { margin: 0; font-size: .95rem; }
.svc--cta { background: var(--navy); border-color: var(--navy); color: #b9c7d8; display: flex; flex-direction: column; }
.svc--cta h3 { color: #fff; font-size: 1.3rem; }
.svc--cta p { margin-bottom: 1.4em; }
.svc--cta .link-arrow { color: #5cbcf0; margin-top: auto; }

/* About */
.about__inner { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: start; }
.about__copy .btn { margin-top: .6em; }
.pillars { list-style: none; margin: 0; padding: 0; display: grid; gap: 14px; }
.pillars li { display: flex; gap: 20px; padding: 22px 24px; border-radius: var(--radius); border: 1px solid var(--line); background: #fff; transition: border-color .2s, box-shadow .2s; }
.pillars li:hover { border-color: var(--blue); box-shadow: var(--shadow); }
.pillars__num { font-family: var(--font-head); font-weight: 800; font-size: 1.1rem; color: var(--blue); min-width: 2ch; }
.pillars h3 { margin-bottom: .25em; }
.pillars p { margin: 0; font-size: .94rem; }

/* Process */
.process { background: linear-gradient(180deg, var(--bg-soft), #fff); padding-top: 80px; padding-bottom: 40px; }
.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; counter-reset: s; position: relative; }
.steps::before { content: ""; position: absolute; top: 26px; left: 12%; right: 12%; border-top: 2px dashed #c9d7e6; }
.steps li { position: relative; text-align: center; padding: 0 8px; }
.steps__n { position: relative; display: grid; place-items: center; width: 54px; height: 54px; margin: 0 auto 18px; border-radius: 50%; background: #fff; border: 2px solid var(--blue); color: var(--blue); font-family: var(--font-head); font-weight: 800; font-size: 1.15rem; box-shadow: 0 0 0 8px #f8fafc; }
.steps li:last-child .steps__n { background: var(--blue); color: #fff; }
.steps p { font-size: .94rem; margin: 0; }

/* Testimonials */
.quotes { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.quote { margin: 0; display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; }
.quote__mark { width: 30px; height: 30px; fill: var(--blue); opacity: .25; margin-bottom: 14px; }
.quote blockquote { margin: 0 0 24px; color: var(--ink); font-size: .97rem; line-height: 1.65; }
.quote figcaption { margin-top: auto; display: flex; align-items: center; gap: 12px; font-size: .84rem; }
.quote figcaption strong { display: block; font-family: var(--font-head); color: var(--ink); font-size: .95rem; }
.avatar { width: 42px; height: 42px; border-radius: 50%; display: grid; place-items: center; background: var(--blue-50); color: var(--blue); font-family: var(--font-head); font-weight: 800; font-size: .85rem; flex-shrink: 0; }

/* CTA band */
.cta-band { padding: 0 0 96px; }
.cta-band__inner {
  display: flex; align-items: center; justify-content: space-between; gap: 32px;
  padding: 56px 64px; border-radius: 24px; color: #cfe6f5;
  background: radial-gradient(500px 300px at 100% 0%, rgba(255,255,255,.18), transparent 60%), linear-gradient(120deg, var(--blue-600), var(--blue));
}
.cta-band h2 { color: #fff; margin-bottom: .3em; }
.cta-band p { margin: 0; }
.cta-band__actions { display: flex; gap: 12px; flex-shrink: 0; }

/* Footer */
.footer { background: var(--navy); color: #9fb0c5; font-size: .93rem; padding-top: 72px; }
.footer__grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 48px; }
.footer__logo { width: 210px; height: auto; filter: brightness(0) invert(1); margin-bottom: 18px; }
.footer h4 { color: #fff; font-size: .95rem; margin-bottom: 1em; }
.footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: .5em; }
.footer a:hover { color: #fff; }
.footer__bottom { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; padding-top: 22px; padding-bottom: 26px; border-top: 1px solid rgba(255,255,255,.1); font-size: .84rem; }
.footer__bottom span:last-child { display: flex; gap: 22px; }

.mobile-bar { display: none; }

/* ---------- About page ---------- */
.eyebrow { font-family: var(--font-head); font-weight: 700; font-size: .78rem; text-transform: uppercase; letter-spacing: .12em; color: var(--blue); margin-bottom: .9em; }
.eyebrow--light { color: #5cbcf0; }

.page-hero {
  position: relative; overflow: hidden; color: #cfdbea;
  background:
    radial-gradient(900px 500px at 85% 0%, rgba(0,138,208,.35), transparent 60%),
    linear-gradient(160deg, var(--navy) 0%, var(--navy-800) 100%);
}
.page-hero::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 28px; background: var(--white); border-radius: 28px 28px 0 0; z-index: 2; }
.page-hero__inner { position: relative; z-index: 2; padding-top: 64px; padding-bottom: 120px; max-width: 1200px; }
.page-hero h1 { color: #fff; font-size: clamp(2rem, 1.3rem + 2.6vw, 3.1rem); font-weight: 800; line-height: 1.1; letter-spacing: -.02em; max-width: 16em; margin-bottom: .45em; }
.page-hero h1 span { color: #5cbcf0; }
.page-hero__lead { font-size: 1.1rem; max-width: 38em; margin: 0; }
.crumbs { display: flex; gap: 10px; font-size: .85rem; color: #8fa5bf; margin-bottom: 22px; }
.crumbs a:hover { color: #fff; }
.crumbs [aria-current] { color: #5cbcf0; font-weight: 600; }

.story__inner { display: grid; grid-template-columns: 1.1fr .9fr; gap: 72px; align-items: center; }
.story__copy p:last-child { margin-bottom: 0; }
.facts { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin: 0; }
.facts__item { padding: 24px; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; }
.facts__item .hero-stats__icon { background: var(--blue-50); stroke: var(--blue); margin-bottom: 16px; }
.facts dt { font-family: var(--font-head); font-weight: 800; font-size: 1.35rem; color: var(--ink); line-height: 1.2; }
.facts dd { margin: 4px 0 0; font-size: .9rem; line-height: 1.5; }

.advisor { padding-top: 0; }
.advisor__inner { display: grid; grid-template-columns: 320px minmax(0, 660px); gap: 80px; align-items: center; }
.advisor__photo { position: relative; }
.advisor__photo::before { content: ""; position: absolute; inset: 20px -20px -20px 20px; border-radius: 22px; background: var(--blue-50); }
.advisor__photo img { position: relative; width: 100%; height: auto; aspect-ratio: 3 / 4; object-fit: cover; border-radius: 22px; box-shadow: var(--shadow); }
.advisor h2 { margin-bottom: .1em; }
.advisor__role { font-family: var(--font-head); font-weight: 600; color: var(--blue); margin-bottom: 1.2em; }
.advisor__quote { margin: 0 0 28px; padding: 4px 0 4px 22px; border-left: 3px solid var(--blue); color: var(--ink); font-style: italic; }
.advisor__quote p { margin-bottom: .5em; }
.advisor__quote cite { font-style: normal; font-family: var(--font-head); font-weight: 700; font-size: .9rem; color: var(--body); }
.advisor__quote cite::before { content: "— "; }

.values { background: var(--bg-soft); }
.values__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.value { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 32px 30px; transition: border-color .2s, box-shadow .2s; }
.value:hover { border-color: var(--blue); box-shadow: var(--shadow); }
.value__num { display: block; font-family: var(--font-head); font-weight: 800; font-size: 1.1rem; color: var(--blue); margin-bottom: 18px; }
.value p { margin: 0; font-size: .95rem; }

.media { background: var(--bg-soft); padding-bottom: 96px; }
.media__card { display: flex; gap: 32px; align-items: center; padding: 48px 56px; border-radius: 24px; color: #b9c7d8; background: radial-gradient(500px 300px at 100% 0%, rgba(0,138,208,.35), transparent 60%), var(--navy); }
.media__card h2 { color: #fff; margin-bottom: .35em; }
.media__card p:last-child { margin: 0; max-width: 40em; }
.media__icon { flex-shrink: 0; width: 88px; height: 88px; border-radius: 22px; display: grid; place-items: center; background: rgba(92,188,240,.15); color: #5cbcf0; }
.media__icon .i { width: 40px; height: 40px; stroke-width: 1.6; }

.services .section__head .eyebrow { margin-bottom: .9em; }
.media + .services { background: #fff; }
.network { background: var(--bg-soft); }
.network__grid { gap: 16px; }

.quotes--two { grid-template-columns: repeat(2, 1fr); }
.quote blockquote p:last-child { margin-bottom: 0; }

.office { background: var(--bg-soft); }
.office__inner { display: grid; grid-template-columns: .7fr 1.3fr; gap: 56px; align-items: center; }
.office__list { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.office__list li { display: flex; gap: 16px; padding: 24px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); }
.office__list .i { width: 40px; height: 40px; padding: 9px; border-radius: 10px; background: var(--blue-50); color: var(--blue); stroke-width: 1.8; }
.office__list h3 { font-size: 1rem; margin-bottom: .3em; }
.office__list p { margin: 0; font-size: .93rem; overflow-wrap: anywhere; }
.office__list a:hover { color: var(--blue); }
.office__muted { color: #8a98aa; font-size: .88rem; }
.office + .cta-band { background: var(--bg-soft); }

/* ---------- Portfolio page ---------- */
/* Placeholder marker for content the client still needs to supply */
.ph { background: #fff4cc; color: #7a5b00; border-bottom: 1px dashed #d9a400; border-radius: 3px; padding: 0 .2em; box-decoration-break: clone; -webkit-box-decoration-break: clone; }
.ph-note { background: #fffaeb; border-bottom: 1px solid #f3e2a8; font-size: .88rem; color: #6b5a24; }
.ph-note__inner { display: flex; align-items: center; gap: 10px; padding-top: 10px; padding-bottom: 10px; }
.ph-note p { margin: 0; }
.ph-note__dot { width: 8px; height: 8px; border-radius: 50%; background: #e0a800; flex-shrink: 0; }

.results { position: relative; z-index: 3; margin-top: -72px; }
.results__grid { display: grid; grid-template-columns: repeat(4, 1fr); margin: 0; background: #fff; border-radius: 20px; box-shadow: var(--shadow-lg); }
.results__grid > div { padding: 30px 28px; text-align: center; }
.results__grid > div + div { border-left: 1px solid var(--line); }
.results dt { font-family: var(--font-head); font-weight: 800; font-size: 1.6rem; color: var(--ink); line-height: 1.2; margin-bottom: 6px; }
.results dd { margin: 0; font-size: .9rem; }

.filters { display: flex; flex-wrap: wrap; gap: 8px; margin: -16px 0 32px; }
.press__head { max-width: 760px; }
.filter { font-family: var(--font-head); font-weight: 600; font-size: .88rem; padding: .55em 1.1em; border-radius: 999px; border: 1px solid var(--line); background: #fff; color: var(--ink); cursor: pointer; transition: border-color .2s, background .2s, color .2s; }
.filter:hover { border-color: var(--blue); color: var(--blue); }
.filter.is-active { background: var(--navy); border-color: var(--navy); color: #fff; }

.cases__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.case { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; transition: transform .25s, box-shadow .25s, border-color .25s; }
.case:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: transparent; }
.case[hidden] { display: none; }
.case__top { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 8px; margin-bottom: 18px; }
.case__tag { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; background: var(--blue-50); color: var(--blue); padding: .4em .85em; border-radius: 999px; }
.case__meta { font-size: .82rem; }
.case h3 { font-size: 1.15rem; }
.case > p { font-size: .94rem; }
.case__figs { display: grid; gap: 0; margin: 4px 0 20px; border-top: 1px solid var(--line); }
.case__figs > div { display: flex; justify-content: space-between; gap: 12px; padding: 10px 0; border-bottom: 1px solid var(--line); font-size: .9rem; }
.case__figs dt { color: #7a889b; }
.case__figs dd { margin: 0; font-weight: 600; color: var(--ink); text-align: right; }
.case__win { color: #0f8a5f !important; }
.case__foot { margin-top: auto; display: flex; justify-content: space-between; font-size: .82rem; color: #7a889b; }
.cases__empty { text-align: center; padding: 40px 0; }
.cases__note { margin: 28px 0 0; font-size: .82rem; color: #8a98aa; text-align: center; }

.testimonials--all { background: var(--bg-soft); }

.press__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.press-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
.press-card__media { position: relative; aspect-ratio: 16 / 9; display: grid; place-items: center; background: radial-gradient(400px 200px at 80% 0%, rgba(0,138,208,.45), transparent 70%), var(--navy); }
.press-card__play { width: 56px; height: 56px; border-radius: 50%; display: grid; place-items: center; background: rgba(255,255,255,.15); color: #fff; }
.press-card__play .i { width: 22px; height: 22px; fill: currentColor; stroke: none; margin-left: 3px; }
.press-card__ch { position: absolute; left: 16px; top: 14px; font-family: var(--font-head); font-weight: 700; font-size: .75rem; color: #fff; background: rgba(255,255,255,.14); padding: .35em .8em; border-radius: 999px; }
.press-card__body { padding: 22px 24px 24px; }
.press-card__body h3 { font-size: 1.05rem; margin-bottom: .4em; }
.press-card__body p { font-size: .92rem; margin-bottom: .8em; }
.press-card__date { font-size: .82rem; color: #8a98aa; }

/* ---------- Contact page ---------- */
.contact__inner { display: grid; grid-template-columns: 1.35fr 1fr; gap: 48px; align-items: start; }
.enquiry, .enquiry-done { background: #fff; border: 1px solid var(--line); border-radius: 20px; padding: 40px; box-shadow: var(--shadow); }
.enquiry h2, .enquiry-done h2 { font-size: 1.6rem; margin-bottom: .3em; }
.enquiry__intro { font-size: .88rem; margin-bottom: 26px; }
.req { color: #d14343; }
.enquiry__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px 20px; margin-bottom: 28px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field--full { grid-column: 1 / -1; }
.field label { font-family: var(--font-head); font-weight: 600; font-size: .9rem; color: var(--ink); }
.field input, .field select, .field textarea {
  font: inherit; font-size: .95rem; color: var(--ink); width: 100%;
  padding: .8em 1em; border: 1px solid #cfd9e4; border-radius: var(--radius-sm); background: #fff;
  transition: border-color .2s, box-shadow .2s;
}
.field select { appearance: none; background: #fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%234a5a70' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E") no-repeat right 14px center / 16px; padding-right: 2.6em; }
.field textarea { resize: vertical; min-height: 130px; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 4px rgba(0,138,208,.15); }
.field__error { display: none; font-size: .82rem; color: #d14343; }
.field.is-invalid input, .field.is-invalid select { border-color: #d14343; }
.field.is-invalid .field__error { display: block; }
.field--check { flex-direction: row; flex-wrap: wrap; align-items: flex-start; gap: 12px; }
.field--check input { width: 20px; height: 20px; padding: 0; margin: 2px 0 0; flex-shrink: 0; accent-color: var(--blue); }
.field--check label { flex: 1; font-family: var(--font-body); font-weight: 400; font-size: .88rem; color: var(--body); }
.field--check label a { color: var(--blue); text-decoration: underline; }
.field--check .field__error { flex-basis: 100%; padding-left: 32px; }
.enquiry-done { text-align: center; padding: 56px 40px; }
.enquiry-done:focus { outline: none; }
.enquiry-done__icon { width: 64px; height: 64px; margin: 0 auto 20px; border-radius: 50%; display: grid; place-items: center; background: #e3f6ee; color: #0f8a5f; }
.enquiry-done__icon .i { width: 30px; height: 30px; stroke-width: 2.4; }
.enquiry-done p { max-width: 30em; margin: 0 auto 24px; }

.contact__side { display: grid; gap: 16px; }
.wa-card { display: flex; align-items: center; gap: 16px; padding: 24px; border-radius: 18px; color: #b9c7d8; background: radial-gradient(300px 160px at 100% 0%, rgba(0,138,208,.45), transparent 70%), var(--navy); transition: transform .2s, box-shadow .2s; }
.wa-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-lg); }
.wa-card strong { display: block; font-family: var(--font-head); font-size: 1.15rem; color: #fff; margin-bottom: 2px; }
.wa-card > span:nth-child(2) > span { font-size: .9rem; line-height: 1.5; }
.wa-card__icon { flex-shrink: 0; width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center; background: var(--blue); color: #fff; }
.wa-card__icon .i { width: 26px; height: 26px; stroke-width: 1.7; }
.wa-card__arrow { flex-shrink: 0; width: 22px; height: 22px; color: #5cbcf0; margin-left: auto; transition: transform .2s; }
.wa-card:hover .wa-card__arrow { transform: translateX(4px); }
.contact-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.contact-list li { display: flex; gap: 16px; padding: 20px 22px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); }
.contact-list .i { width: 40px; height: 40px; padding: 9px; border-radius: 10px; background: var(--blue-50); color: var(--blue); stroke-width: 1.8; }
.contact-list h3 { font-size: 1rem; margin-bottom: .2em; }
.contact-list p { margin: 0; font-size: .93rem; overflow-wrap: anywhere; }
.contact-list a:hover { color: var(--blue); }

.map { padding-bottom: 96px; }
.map__card { display: grid; grid-template-columns: 1.5fr 1fr; border-radius: 20px; overflow: hidden; border: 1px solid var(--line); background: #fff; }
.map__frame { width: 100%; height: 100%; min-height: 380px; border: 0; display: block; background: var(--bg-soft); }
.map__info { padding: 44px 40px; display: flex; flex-direction: column; justify-content: center; }
.map__info h2 { font-size: 1.6rem; }
.map__info .link-arrow { margin-top: .4em; }

.faq { background: var(--bg-soft); }
.faq__inner { display: grid; grid-template-columns: .8fr 1.2fr; gap: 64px; align-items: start; }
.faq__link { color: var(--blue); font-weight: 600; text-decoration: underline; }
.faq__list { display: grid; gap: 12px; }
.faq__list details { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 0 24px; transition: border-color .2s; }
.faq__list details[open] { border-color: var(--blue); }
.faq__list summary { list-style: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 20px 0; font-family: var(--font-head); font-weight: 700; color: var(--ink); }
.faq__list summary::-webkit-details-marker { display: none; }
.faq__list summary::after { content: "+"; flex-shrink: 0; width: 28px; height: 28px; border-radius: 50%; display: grid; place-items: center; background: var(--blue-50); color: var(--blue); font-size: 1.2rem; line-height: 1; transition: transform .2s; }
.faq__list details[open] summary::after { transform: rotate(45deg); }
.faq__list details p { margin: 0 0 20px; font-size: .95rem; }

/* ---------- Tablet (≤1100px) ---------- */
@media (max-width: 1100px) {
  .hero__inner { grid-template-columns: 1fr; gap: 64px; padding-top: 64px; }
  .hero__visual { max-width: 520px; margin: 0 auto; width: 100%; }
  .float-badge { right: -12px; }
  .about__inner { grid-template-columns: 1fr; gap: 40px; }
  .quotes { grid-template-columns: repeat(2, 1fr); }
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .story__inner, .office__inner { grid-template-columns: 1fr; gap: 40px; }
  .advisor__inner { grid-template-columns: 260px 1fr; gap: 56px; }
  .cases__grid, .press__grid { grid-template-columns: repeat(2, 1fr); }
  .contact__inner { grid-template-columns: 1fr; }
  .contact__side { grid-template-columns: 1fr 1fr; align-items: start; }
  .faq__inner { grid-template-columns: 1fr; gap: 32px; }
  .results__grid { grid-template-columns: repeat(2, 1fr); }
  .results__grid > div:nth-child(3) { border-left: 0; }
  .results__grid > div:nth-child(n+3) { border-top: 1px solid var(--line); }
}

/* ---------- Small tablet / nav collapse (≤900px) ---------- */
@media (max-width: 900px) {
  .header__inner { height: 68px; }
  .header__logo img { width: 170px; }
  .header__cta { margin-left: auto; padding: .65em 1.1em; font-size: .88rem; }
  .burger { display: flex; flex-direction: column; justify-content: center; gap: 5px; margin-left: 8px; width: 44px; height: 44px; border: 0; background: none; cursor: pointer; padding: 10px; }
  .burger span { display: block; height: 2px; background: var(--ink); border-radius: 2px; transition: transform .25s, opacity .25s; }
  .burger[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .burger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
  .burger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
  .nav {
    position: absolute; top: 100%; left: 0; right: 0; flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; border-bottom: 1px solid var(--line); box-shadow: var(--shadow);
    padding: 8px 20px 20px; margin: 0; font-size: 1.05rem;
    visibility: hidden; opacity: 0; transform: translateY(-8px); transition: opacity .2s, transform .2s, visibility .2s;
  }
  .nav.is-open { visibility: visible; opacity: 1; transform: none; }
  .nav a { padding: 14px 0; border-bottom: 1px solid var(--line); }
  .nav a::after { display: none; }
  .nav a:last-child { border-bottom: 0; }
  .services__grid { grid-template-columns: repeat(2, 1fr); }
  .banks__grid { grid-template-columns: repeat(4, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); row-gap: 40px; }
  .steps::before { display: none; }
  .section__head--split { flex-direction: column; align-items: flex-start; }
  .cta-band__inner { flex-direction: column; align-items: flex-start; padding: 44px 36px; }
  .values__grid { grid-template-columns: 1fr; }
  .contact__side { grid-template-columns: 1fr; }
  .map__card { grid-template-columns: 1fr; }
  .map__frame { min-height: 300px; }
  .advisor__inner { grid-template-columns: 1fr; gap: 48px; }
  .advisor__photo { max-width: 260px; }
  .quotes--two { grid-template-columns: 1fr; }
  .media__card { padding: 40px 36px; }
}

/* ---------- Mobile (≤600px) ---------- */
@media (max-width: 600px) {
  body { padding-bottom: 76px; }
  .section { padding: 64px 0; }
  .hero__inner { padding-top: 44px; padding-bottom: 96px; gap: 48px; }
  .hero__lead { font-size: 1.02rem; }
  .hero__actions .btn { width: 100%; }
  .hero-stats { grid-template-columns: 1fr; width: 100%; }
  .hero-stats__item { padding: 14px 18px; }
  .hero-stats__item + .hero-stats__item { border-left: 0; border-top: 1px solid rgba(255,255,255,.12); }
  .hero-stats__item div { display: flex; align-items: baseline; gap: 8px; }
  .compare-card { padding: 18px; }
  .compare-row { grid-template-columns: 72px 1fr auto; gap: 10px; padding: 10px; }
  .compare-row img { width: 72px; height: 32px; }
  .float-badge { position: relative; right: auto; top: auto; margin: 14px auto 0; width: max-content; }
  .banks__grid { grid-template-columns: repeat(3, 1fr); }
  .services__grid { grid-template-columns: 1fr; }
  .svc { padding: 24px; }
  .steps { grid-template-columns: 1fr; text-align: left; row-gap: 24px; }
  .steps li { display: grid; grid-template-columns: 54px 1fr; column-gap: 18px; text-align: left; padding: 0; }
  .steps__n { grid-row: span 2; margin: 0; }
  .steps h3 { margin: 4px 0 .2em; }
  /* testimonials become a swipeable row */
  .quotes { display: flex; overflow-x: auto; scroll-snap-type: x mandatory; gap: 14px; margin: 0 -20px; padding: 0 20px 8px; scrollbar-width: none; }
  .quotes::-webkit-scrollbar { display: none; }
  .quote { flex: 0 0 86%; scroll-snap-align: center; }
  .cta-band { padding-bottom: 64px; }
  .cta-band__inner { padding: 36px 24px; border-radius: 20px; }
  .cta-band__actions { flex-direction: column; }
  .cta-band__actions, .cta-band__actions .btn { width: 100%; }
  .footer { padding-top: 56px; }
  .footer__grid { grid-template-columns: 1fr; gap: 28px; }
  .footer__bottom { flex-direction: column; }
  .header__cta { display: none; }
  .page-hero__inner { padding-top: 40px; padding-bottom: 90px; }
  .page-hero__lead { font-size: 1.02rem; }
  .facts, .office__list { grid-template-columns: 1fr; }
  .facts__item { display: grid; grid-template-columns: 38px 1fr; column-gap: 16px; padding: 18px 20px; }
  .facts__item .hero-stats__icon { grid-row: span 2; margin: 0; }
  .media { padding-bottom: 64px; }
  .advisor__photo { max-width: 220px; }
  .advisor .btn { width: 100%; }
  .ph-note { font-size: .8rem; }
  .results { margin-top: -56px; }
  .results__grid > div { padding: 22px 12px; }
  .results dt { font-size: 1.25rem; }
  .results dd { font-size: .82rem; }
  .filters { flex-wrap: nowrap; overflow-x: auto; margin: 0 -20px; padding: 0 20px 4px; scrollbar-width: none; }
  .filters::-webkit-scrollbar { display: none; }
  .filter { flex-shrink: 0; }
  .cases__grid, .press__grid { grid-template-columns: 1fr; }
  .case { padding: 24px; }
  .enquiry, .enquiry-done { padding: 28px 22px; border-radius: 18px; }
  .enquiry__grid { grid-template-columns: 1fr; }
  .enquiry__submit { width: 100%; }
  .map { padding-bottom: 64px; }
  .map__info { padding: 28px 24px; }
  .wa-card { padding: 20px; }
  .media__card { flex-direction: column; align-items: flex-start; gap: 20px; padding: 32px 24px; border-radius: 20px; }
  .media__icon { width: 64px; height: 64px; border-radius: 16px; }
  .media__icon .i { width: 30px; height: 30px; }
  .office__list li { padding: 20px; }
  .quotes--two .quote { flex-basis: 90%; }
  .burger { margin-left: auto; }
  .mobile-bar {
    display: grid;
    position: fixed; left: 0; right: 0; bottom: 0; z-index: 60;
    padding: 12px 16px calc(12px + env(safe-area-inset-bottom));
    background: rgba(255,255,255,.97); border-top: 1px solid var(--line); box-shadow: 0 -8px 24px -12px rgba(11,37,69,.2);
  }
  .mobile-bar .btn { padding: .6em 1em; }
  .mobile-bar .i--wa { width: 1.6em; height: 1.6em; }
  .mobile-bar__text { display: flex; flex-direction: column; align-items: flex-start; line-height: 1.25; }
  .mobile-bar__text small { font-family: var(--font-body); font-weight: 600; font-size: .78rem; opacity: .85; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition: none !important; scroll-behavior: auto !important; }
}