/*
Theme Name: UK Mortgage Finance
Theme URI: https://ukmortgagefinance.com
Author: UK Mortgage Finance Ltd
Description: Bespoke theme for UK Mortgage Finance Ltd — commercial mortgages, buy-to-let and bridging finance. Sister brand to Sterling Bridging Finance.
Version: 1.13.0
License: GNU General Public License v2 or later
Text Domain: uk-mortgage-finance
*/

.content-review{background:#f4f6f8;border-top:1px solid #dce2e8;border-bottom:1px solid #dce2e8;padding:18px 0;color:#334155;font-size:.88rem}
.content-review .wrap{display:flex;align-items:center;justify-content:center;gap:10px 22px;flex-wrap:wrap}
.content-review strong{color:#0d2848}
.content-review a{color:#0d2848;text-decoration:underline;text-underline-offset:3px}
.content-review span+span{border-left:1px solid #cbd5e1;padding-left:22px}
@media(max-width:680px){.content-review .wrap{align-items:flex-start;flex-direction:column;gap:5px}.content-review span+span{border-left:0;padding-left:0}}

:root{
  --ink:#0f1c2b;--ink-deep:#08111b;--ivory:#f6f2e9;--ivory-warm:#efe8da;
  --paper:#fbf9f4;--brass:#b3884c;--brass-bright:#c9a258;--brass-soft:#e3d2ac;
  --line:#d9cfba;--muted:#5d6b78;--muted-ink:#8b97a3;--white:#fff;
  --green:#1f8a5b;--radius:4px;--maxw:1180px;--shadow:0 24px 60px -28px rgba(15,28,43,.45);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Hanken Grotesk',system-ui,sans-serif;color:var(--ink);background:var(--paper);line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
body::before{content:"";position:fixed;inset:0;z-index:9999;pointer-events:none;opacity:.035;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='200' height='200'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='3'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E")}
h1,h2,h3,h4{font-family:'Fraunces',Georgia,serif;font-weight:500;line-height:1.08;letter-spacing:-.01em}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 28px}
.eyebrow{font-size:.72rem;letter-spacing:.22em;text-transform:uppercase;font-weight:600;color:var(--brass)}
.eyebrow.light{color:var(--brass-bright)}

/* TOP BAR */
.topbar{background:var(--ink-deep);color:var(--muted-ink);font-size:.8rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;height:38px;gap:20px}
.topbar a{color:var(--brass-soft)}
.topbar .tb-right{display:flex;gap:22px;align-items:center}
@media(max-width:760px){.topbar .tb-left{display:none}.topbar .wrap{justify-content:center}}

/* HEADER */
.site-head{position:sticky;top:0;z-index:100;background:rgba(13,23,36,.92);backdrop-filter:blur(12px);border-bottom:1px solid rgba(227,210,172,.16)}
.nav{display:flex;align-items:center;justify-content:space-between;height:88px}
.brand{display:flex;align-items:center;gap:16px;flex-shrink:0;margin-right:32px}
.brand .mark{width:42px;height:42px;border:1.5px solid var(--ink);display:grid;place-items:center;font-family:'Fraunces',serif;font-size:1.25rem;color:var(--ink);position:relative;flex-shrink:0}
.brand .mark::after{content:"";position:absolute;inset:4px;border:1px solid var(--brass)}
.brand .logo-mark{width:46px;height:46px;flex-shrink:0;color:var(--ink);display:block}
.foot-brand .fb-head{display:flex;align-items:center;gap:13px;margin-bottom:14px}
.foot-brand .logo-mark{width:40px;height:40px;flex-shrink:0;color:var(--ivory);display:block}
.foot-brand .fb-head .name{margin:0}
.brand .logo-img{height:62px;width:auto;display:block;flex-shrink:0}
.brand .name{font-family:'Fraunces',serif;font-size:1.24rem;letter-spacing:-.01em;line-height:1.1;color:var(--ivory);white-space:nowrap}
.brand .name small{display:block;font-family:'Hanken Grotesk',sans-serif;font-size:.63rem;letter-spacing:.2em;text-transform:uppercase;color:var(--muted-ink);margin-top:5px;font-weight:600}
.nav-links{display:flex;align-items:center;gap:20px}
.nav-links a{font-size:.9rem;font-weight:500;letter-spacing:.015em;color:var(--ivory);position:relative;padding:4px 0;transition:color .2s;white-space:nowrap}
.nav-links a:not(.btn)::after{content:"";position:absolute;left:0;bottom:0;width:0;height:1.5px;background:var(--brass);transition:width .3s}
.nav-links a:not(.btn):hover::after{width:100%}
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--ink);color:var(--ivory);padding:13px 24px;border-radius:var(--radius);font-weight:700;font-size:.9rem;border:1.5px solid var(--ink);cursor:pointer;transition:.25s;font-family:'Hanken Grotesk',sans-serif;white-space:nowrap}
.btn:hover{background:transparent;color:var(--ink)}
.btn.brass{background:var(--brass);border-color:var(--brass);color:var(--ink-deep)}
.btn.brass:hover{background:transparent;color:var(--ink)}
.btn.ghost{background:transparent;color:var(--ink)}
.btn.ghost:hover{background:var(--ink);color:var(--ivory)}
.btn.light{background:var(--brass);border-color:var(--brass);color:var(--ink-deep)}
.btn.light:hover{background:transparent;color:var(--ivory)}
.btn.wa{background:var(--green);border-color:var(--green);color:#fff}
.btn.wa:hover{background:transparent;color:var(--green)}
.menu-toggle{display:none;background:none;border:none;cursor:pointer;flex-direction:column;gap:5px}
.menu-toggle span{width:24px;height:2px;background:var(--ivory);display:block;transition:.3s}

/* HERO */
.hero{position:relative;background:var(--ink);color:var(--ivory);overflow:hidden;padding:92px 0 84px}
.hero::before{content:"";position:absolute;top:-30%;right:-10%;width:60%;height:140%;background:radial-gradient(circle at center,rgba(179,136,76,.16),transparent 60%);pointer-events:none}
.hero::after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.025) 1px,transparent 1px);background-size:100% 46px;opacity:.5;pointer-events:none}
.hero .wrap{position:relative;z-index:2}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:60px;align-items:center}
.hero h1{font-size:clamp(2.6rem,5.2vw,4.2rem);color:var(--ivory);margin:20px 0 22px}
.hero h1 em{font-style:italic;color:var(--brass-bright)}
.hero p.lede{font-size:1.16rem;color:#c7d0d8;max-width:540px;margin-bottom:30px}
.hero .range{font-family:'Fraunces',serif;font-size:1.1rem;color:var(--brass-soft);margin-bottom:26px;letter-spacing:.02em}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap}
.hero-aside{border:1px solid rgba(227,210,172,.28);background:rgba(255,255,255,.03);padding:32px;border-radius:var(--radius)}
.hero-aside h4{font-family:'Hanken Grotesk',sans-serif;font-size:.72rem;letter-spacing:.2em;text-transform:uppercase;color:var(--brass-bright);font-weight:600;margin-bottom:20px}
.stat{padding:15px 0;border-bottom:1px solid rgba(227,210,172,.18)}
.stat:last-child{border-bottom:none;padding-bottom:0}
.stat .fig{font-family:'Fraunces',serif;font-size:1.9rem;color:var(--ivory);line-height:1}
.stat .lab{font-size:.85rem;color:var(--muted-ink);margin-top:4px}

.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s cubic-bezier(.2,.7,.3,1),transform .7s cubic-bezier(.2,.7,.3,1)}
.reveal.in{opacity:1;transform:none}

/* TRUST STRIP */
.trust{background:var(--ink-deep);color:var(--muted-ink);padding:22px 0;border-top:1px solid rgba(227,210,172,.12)}
.trust .wrap{display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap}
.trust .label{font-size:.72rem;letter-spacing:.2em;text-transform:uppercase;font-weight:600}
.trust .badges{display:flex;gap:30px;flex-wrap:wrap;align-items:center}
.trust .badges span{font-family:'Fraunces',serif;font-size:1rem;color:var(--brass-soft);letter-spacing:.02em}

/* SECTION SHELL */
section.block{padding:92px 0}
.sec-head{max-width:660px;margin-bottom:50px}
.sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
.sec-head h2{font-size:clamp(2rem,4vw,3rem);margin:16px 0 18px}
.sec-head p{font-size:1.1rem;color:var(--muted)}

/* PILLARS */
.pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.pillar{background:var(--white);border:1px solid var(--line);padding:38px 32px;border-radius:var(--radius);position:relative;transition:.3s;overflow:hidden}
.pillar::before{content:"";position:absolute;top:0;left:0;width:100%;height:3px;background:var(--brass);transform:scaleX(0);transform-origin:left;transition:transform .4s}
.pillar:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.pillar:hover::before{transform:scaleX(1)}
.pillar .num{font-family:'Fraunces',serif;font-size:.95rem;color:var(--brass);letter-spacing:.1em}
.pillar h3{font-size:1.5rem;margin:14px 0 14px}
.pillar p{color:var(--muted);font-size:.98rem;margin-bottom:22px}
.pillar ul{list-style:none;margin-bottom:24px}
.pillar ul li{font-size:.9rem;padding:7px 0 7px 22px;position:relative;border-bottom:1px solid var(--ivory-warm)}
.pillar ul li::before{content:"—";position:absolute;left:0;color:var(--brass)}
.pillar .link{font-weight:600;font-size:.92rem;color:var(--ink);display:inline-flex;align-items:center;gap:7px}
.pillar .link span{transition:.25s}
.pillar:hover .link span{transform:translateX(5px)}

/* PRODUCT DEEP */
.product{padding:88px 0;border-top:1px solid var(--line)}
.product.alt{background:var(--ivory)}
.product-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.product-grid.flip .copy{order:2}
.product .copy h2{font-size:clamp(1.9rem,3.6vw,2.7rem);margin:14px 0 20px}
.product .copy p{color:var(--muted);font-size:1.05rem;margin-bottom:18px}
.feature-list{display:grid;grid-template-columns:1fr 1fr;gap:2px;margin:28px 0 30px;background:var(--line);border:1px solid var(--line)}
.feature-list div{background:var(--paper);padding:16px 18px}
.product.alt .feature-list div{background:var(--ivory)}
.feature-list .k{font-family:'Fraunces',serif;font-size:1.45rem;color:var(--ink)}
.feature-list .v{font-size:.8rem;color:var(--muted);letter-spacing:.02em}
.checklist{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:10px 26px;margin:8px 0 30px}
.checklist li{font-size:.94rem;padding-left:26px;position:relative;color:var(--ink)}
.checklist li::before{content:"✓";position:absolute;left:0;color:var(--brass);font-weight:700}
.product-visual{aspect-ratio:4/5;border:1px solid var(--line);background:linear-gradient(155deg,var(--ink),var(--ink-deep));position:relative;overflow:hidden;border-radius:var(--radius);display:flex;align-items:flex-end;padding:36px}
.product-visual::before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(227,210,172,.06) 1px,transparent 1px),linear-gradient(90deg,rgba(227,210,172,.06) 1px,transparent 1px);background-size:38px 38px}
.product-visual .vmark{position:absolute;top:30px;right:30px;font-family:'Fraunces',serif;font-size:5rem;color:rgba(227,210,172,.14);line-height:1}
.product-visual .vcaption{position:relative;z-index:2;color:var(--ivory)}
.product-visual .vcaption .t{font-family:'Fraunces',serif;font-size:1.5rem}
.product-visual .vcaption .s{font-size:.85rem;color:var(--muted-ink);margin-top:6px}

/* PAGE HERO (inner pages) */
.page-hero{background:var(--ink);color:var(--ivory);padding:70px 0 64px;position:relative;overflow:hidden}
.page-hero::before{content:"";position:absolute;top:-40%;right:-5%;width:50%;height:160%;background:radial-gradient(circle,rgba(179,136,76,.14),transparent 60%)}
.page-hero .wrap{position:relative;z-index:2}
.page-hero h1{font-size:clamp(2.2rem,4.4vw,3.4rem);color:var(--ivory);margin:14px 0 16px;max-width:780px}
.page-hero p{color:#c7d0d8;font-size:1.12rem;max-width:620px}
.crumb{font-size:.82rem;color:var(--muted-ink)}
.crumb a{color:var(--brass-soft)}

/* CALCULATOR */
.calc{background:var(--ink);color:var(--ivory);padding:88px 0;position:relative;overflow:hidden}
.calc.onlight{background:var(--ink)}
.calc::before{content:"";position:absolute;bottom:-30%;left:-10%;width:55%;height:130%;background:radial-gradient(circle,rgba(179,136,76,.14),transparent 60%)}
.calc .wrap{position:relative;z-index:2}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:54px;align-items:start}
.calc h2{font-size:clamp(2rem,3.6vw,2.8rem);color:var(--ivory);margin:14px 0 18px}
.calc .intro p{color:#c7d0d8;font-size:1.05rem;margin-bottom:24px}
.calc-panel{background:rgba(255,255,255,.04);border:1px solid rgba(227,210,172,.25);border-radius:var(--radius);padding:34px}
.field{margin-bottom:22px}
.field label{display:block;font-size:.8rem;letter-spacing:.06em;text-transform:uppercase;font-weight:600;color:var(--brass-bright);margin-bottom:9px}
.field .input-wrap{position:relative}
.field .input-wrap .pre{position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--muted-ink);font-size:1rem}
.field input[type=number]{width:100%;background:rgba(255,255,255,.04);border:1px solid rgba(227,210,172,.3);color:var(--ivory);padding:14px 14px 14px 30px;font-size:1.05rem;border-radius:var(--radius);font-family:'Hanken Grotesk',sans-serif}
.field input.nopre{padding-left:14px}
.field input:focus{outline:none;border-color:var(--brass-bright)}
.field .suf{position:absolute;right:14px;top:50%;transform:translateY(-50%);color:var(--muted-ink);font-size:.9rem}
.field input[type=range]{width:100%;accent-color:var(--brass-bright);margin-top:6px}
.range-val{font-family:'Fraunces',serif;color:var(--ivory);font-size:1.1rem}
.results{margin-top:8px}
.result-row{display:flex;justify-content:space-between;align-items:baseline;padding:14px 0;border-bottom:1px solid rgba(227,210,172,.16)}
.result-row .rl{font-size:.92rem;color:var(--muted-ink)}
.result-row .rv{font-family:'Fraunces',serif;font-size:1.4rem;color:var(--ivory)}
.result-row.total .rv{color:var(--brass-bright);font-size:1.85rem}
.ltv-tag{display:inline-block;margin-top:16px;font-size:.82rem;padding:6px 12px;border:1px solid rgba(227,210,172,.3);border-radius:40px;color:var(--brass-soft)}
.ltv-tag.warn{border-color:#d98b6a;color:#e8a585}
.calc .disclaimer{font-size:.78rem;color:var(--muted-ink);margin-top:20px;line-height:1.5}
.calc-widget{max-width:1000px;margin:0 auto}
.calc-tabs{display:flex;gap:4px;margin-bottom:34px;border-bottom:1px solid rgba(227,210,172,.18);flex-wrap:wrap;justify-content:center}
.calc-tab{background:none;border:none;color:var(--muted-ink);font-family:'Fraunces',serif;font-size:1.08rem;padding:12px 22px;cursor:pointer;border-bottom:2px solid transparent;margin-bottom:-1px;transition:.2s}
.calc-tab:hover{color:var(--ivory)}
.calc-tab.active{color:var(--brass-bright);border-bottom-color:var(--brass-bright)}
.calc-pane{display:none}
.calc-pane.active{display:block;animation:calcfade .4s ease}
@keyframes calcfade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.calc-results{display:flex;flex-direction:column;justify-content:center}
.calc select{width:100%;background:rgba(255,255,255,.04);border:1px solid rgba(227,210,172,.3);color:var(--ivory);padding:13px 14px;font-size:1rem;border-radius:var(--radius);font-family:'Hanken Grotesk',sans-serif}
.calc select option{background:var(--ink);color:var(--ivory)}
.ltv-tag.pass{border-color:#3f9e74;color:#7fd0a6}
.calc-cta{display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap;background:rgba(179,136,76,.12);border:1px solid rgba(227,210,172,.3);border-radius:var(--radius);padding:18px 26px;margin:36px 0 20px}
.calc-cta .ct{font-family:'Fraunces',serif;font-size:1.3rem;color:var(--ivory)}
.calc-cta small{display:block;max-width:640px;margin-top:4px;color:var(--muted-ink);font-size:.82rem;line-height:1.5}
.calc-cta .cn{font-family:'Fraunces',serif;font-size:1.45rem;color:var(--brass-bright);white-space:nowrap}
.calc-cta .cn:hover{color:var(--ivory)}
.lead-form{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.lead-form .fg{margin:0}
.lead-form .submit{grid-column:1 / -1;justify-content:center}
.calc-actions{display:flex;justify-content:center;gap:14px;margin:20px 0}
.calc-action{min-width:240px;justify-content:center}
.calc-action-secondary{color:var(--ivory);background:transparent;border-color:var(--brass-soft)}
.calc-action-secondary:hover{color:var(--ink-deep);background:var(--brass-soft);border-color:var(--brass-soft)}
.calc-form-panel{margin-top:18px;padding:26px;background:rgba(255,255,255,.04);border:1px solid rgba(227,210,172,.25);border-radius:var(--radius)}
.calc-form-panel[hidden]{display:none!important}
.calc-form-panel h3{margin-bottom:8px;color:var(--ivory);font-size:1.65rem}
.calc-form-panel>p{margin-bottom:20px;color:#c7d0d8;line-height:1.65}
.lead-form-detailed{grid-template-columns:repeat(2,1fr)}
.lead-form .form-wide{grid-column:1 / -1}
.lead-form .lead-consent{grid-column:1 / -1}
.lead-form input[readonly]{color:var(--brass-soft)}
.form-money-input{position:relative}
.form-money-input>span{position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--muted-ink);pointer-events:none}
.fg .form-money-input input[type=number]{padding-left:30px}
.detail-income-field[hidden]{display:none!important}
.lead-form label span{font-size:.72rem;letter-spacing:0;text-transform:none}
.calc-form-panel .form-note{margin-top:12px;color:var(--muted-ink)}

/* WHY US */
.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-top:10px}
.why-card{padding:30px 24px;border-top:2px solid var(--brass)}
.why-card .wn{font-family:'Fraunces',serif;font-size:2.4rem;color:var(--ink);line-height:1}
.why-card h4{font-family:'Hanken Grotesk',sans-serif;font-weight:700;font-size:1.05rem;margin:12px 0 8px}
.why-card p{font-size:.92rem;color:var(--muted)}

/* CASE STUDIES */
.cases{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:10px}
.case{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:28px;position:relative;overflow:hidden}
.case .tag{font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:var(--brass);font-weight:600}
.case .amt{font-family:'Fraunces',serif;font-size:2.1rem;color:var(--ink);margin:12px 0 6px}
.case .det{font-size:.9rem;color:var(--muted)}
.case .time{margin-top:16px;padding-top:14px;border-top:1px solid var(--ivory-warm);font-size:.86rem;font-weight:600;color:var(--green)}
.case-feat{grid-column:span 2;background:linear-gradient(155deg,var(--ink),var(--ink-deep));color:var(--ivory);border:none}
.case-feat .amt{color:var(--ivory)}.case-feat .det{color:var(--muted-ink)}.case-feat .tag{color:var(--brass-bright)}

/* PROCESS */
.process{background:var(--ivory)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:0;counter-reset:step;margin-top:20px}
.step{padding:30px 30px 30px 0;position:relative}
.step::before{counter-increment:step;content:"0" counter(step);font-family:'Fraunces',serif;font-size:1.1rem;color:var(--brass);display:block;margin-bottom:18px}
.step::after{content:"";position:absolute;top:42px;left:-6px;width:100%;height:1px;background:var(--line)}
.step h4{font-size:1.25rem;margin-bottom:10px}
.step p{font-size:.92rem;color:var(--muted)}

/* QUOTES */
.quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:10px}
.quote{background:var(--white);border:1px solid var(--line);padding:32px;border-radius:var(--radius)}
.quote .mk{font-family:'Fraunces',serif;font-size:3.5rem;color:var(--brass-soft);line-height:.6;height:26px}
.quote p{font-size:1rem;color:var(--ink);margin:10px 0 20px;font-style:italic}
.quote .by{font-size:.85rem;color:var(--muted);font-weight:600}
.placeholder-note{font-size:.75rem;color:var(--brass);letter-spacing:.05em;margin-top:14px;text-transform:uppercase;font-weight:600}

/* FAQ */
.faq-item{border-bottom:1px solid var(--line)}
.faq-q{width:100%;text-align:left;background:none;border:none;padding:24px 0;font-family:'Fraunces',serif;font-size:1.2rem;color:var(--ink);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:20px}
.faq-q .ic{font-family:'Hanken Grotesk',sans-serif;font-size:1.5rem;color:var(--brass);transition:transform .3s;flex-shrink:0}
.faq-q.open .ic{transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .4s ease}
.faq-a p{padding:0 0 24px;color:var(--muted);max-width:780px}

/* CTA BANNER */
.cta-banner{background:var(--ink);color:var(--ivory);padding:72px 0;text-align:center;position:relative;overflow:hidden}
.cta-banner::before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(227,210,172,.05) 1px,transparent 1px);background-size:100% 44px}
.cta-banner .wrap{position:relative;z-index:2}
.cta-banner h2{font-size:clamp(1.9rem,3.6vw,2.7rem);color:var(--ivory);margin-bottom:16px}
.cta-banner p{color:#c7d0d8;max-width:560px;margin:0 auto 30px;font-size:1.08rem}
.cta-banner .hero-cta{justify-content:center}

/* CONTACT */
.contact{background:var(--ink);color:var(--ivory);padding:88px 0}
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:60px}
.contact h2{font-size:clamp(2rem,3.6vw,2.9rem);color:var(--ivory);margin:14px 0 20px}
.contact .intro p{color:#c7d0d8;font-size:1.05rem;margin-bottom:24px}
.offices{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-bottom:8px}
.office{border:1px solid rgba(227,210,172,.2);padding:20px;border-radius:var(--radius)}
.office h5{font-family:'Hanken Grotesk',sans-serif;font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--brass-bright);font-weight:600;margin-bottom:10px}
.office .l{font-size:.92rem;color:#c7d0d8;padding:3px 0}
.office .l b{color:var(--ivory);font-weight:600}
form{background:rgba(255,255,255,.04);border:1px solid rgba(227,210,172,.22);padding:34px;border-radius:var(--radius)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.fg{margin-bottom:18px}
.fg label{display:block;font-size:.78rem;letter-spacing:.05em;text-transform:uppercase;font-weight:600;color:var(--brass-bright);margin-bottom:8px}
.fg input,.fg select,.fg textarea{width:100%;background:rgba(255,255,255,.05);border:1px solid rgba(227,210,172,.28);color:var(--ivory);padding:13px 14px;font-size:1rem;border-radius:var(--radius);font-family:'Hanken Grotesk',sans-serif}
.fg input:focus,.fg select:focus,.fg textarea:focus{outline:none;border-color:var(--brass-bright)}
.fg select option{background:var(--ink);color:var(--ivory)}
.fg textarea{resize:vertical;min-height:96px}
.form-note{font-size:.76rem;color:var(--muted-ink);margin-top:8px}
.form-success{display:none;background:rgba(179,136,76,.14);border:1px solid var(--brass);padding:16px;border-radius:var(--radius);color:var(--brass-soft);font-size:.95rem;margin-bottom:18px}

/* FOOTER */
.site-foot{background:var(--ink-deep);color:var(--muted-ink);padding:62px 0 28px;font-size:.88rem}
.foot-top{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr 1fr;gap:30px;padding-bottom:38px;border-bottom:1px solid rgba(227,210,172,.12)}
.foot-brand .logo-img{width:290px;max-width:72%;height:auto;display:block;margin-bottom:18px}
.foot-brand .name{font-family:'Fraunces',serif;font-size:1.3rem;color:var(--ivory)}
.foot-brand p{margin-top:14px;max-width:320px;line-height:1.6}
.foot-col h5{font-size:.72rem;letter-spacing:.18em;text-transform:uppercase;color:var(--brass-bright);margin-bottom:16px;font-weight:600}
.foot-col a{display:block;padding:5px 0;color:#aeb9c4;transition:.2s}
.foot-col a:hover{color:var(--brass-soft)}
.legal{padding-top:26px;line-height:1.7;font-size:.78rem;color:#7d8a96}
.legal .risk{color:var(--brass-soft);font-weight:600;margin-bottom:12px;display:block}
.legal .ph{color:var(--brass);font-weight:600}
.foot-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:14px;margin-top:22px;padding-top:20px;border-top:1px solid rgba(227,210,172,.1);font-size:.78rem}

/* WHATSAPP FLOAT */
.wa-float{position:fixed;bottom:24px;right:24px;z-index:200;background:var(--green);color:#fff;width:56px;height:56px;border-radius:50%;display:grid;place-items:center;box-shadow:0 12px 30px -8px rgba(31,138,91,.6);transition:transform .25s}
.wa-float:hover{transform:scale(1.08)}
.wa-float svg{width:28px;height:28px;fill:#fff}

/* RESPONSIVE */
@media(max-width:900px){
  .hero-grid,.product-grid,.product-grid.flip .copy,.calc-grid,.contact-grid{grid-template-columns:1fr;gap:40px}
  .product-grid.flip .copy{order:0}
  .pillars,.why-grid,.steps,.quotes,.cases{grid-template-columns:1fr}
  .case-feat{grid-column:span 1}
  .step::after{display:none}
  .foot-top{grid-template-columns:1fr 1fr}
  .nav-links{display:none}
  .menu-toggle{display:flex}
  .nav-links.open{display:flex;position:absolute;top:88px;left:0;right:0;flex-direction:column;background:var(--ink);padding:24px 28px;border-bottom:1px solid rgba(227,210,172,.16);gap:18px;align-items:flex-start}
  .why-grid,.cases{grid-template-columns:1fr 1fr}
  .offices{grid-template-columns:1fr}
}
@media(max-width:560px){.feature-list,.checklist,.form-row,.why-grid,.cases{grid-template-columns:1fr}}
@media(max-width:760px){.lead-form{grid-template-columns:1fr 1fr}}
@media(max-width:760px){.calc-actions{align-items:stretch;flex-direction:column}.calc-action{width:100%;min-width:0}}
@media(max-width:520px){.lead-form{grid-template-columns:1fr}.calc-form-panel{padding:20px}.calc-cta .cn{white-space:normal}}

/* long-form product content */
.rich{max-width:840px}
.rich .eyebrow{display:block;margin-bottom:14px}
.rich h2{font-size:clamp(1.8rem,3.4vw,2.5rem);margin-bottom:18px}
.rich h3{font-size:1.4rem;margin:34px 0 12px}
.rich p{color:var(--muted);font-size:1.05rem;margin-bottom:16px}
.rich p.lead-p{font-size:1.22rem;color:var(--ink);line-height:1.5}
.rich strong{color:var(--ink);font-weight:600}
.rich ul{list-style:none;margin:6px 0 20px}
.rich ul li{position:relative;padding:8px 0 8px 26px;color:var(--ink);font-size:1rem;border-bottom:1px solid var(--ivory-warm)}
.rich ul li::before{content:"—";position:absolute;left:0;color:var(--brass)}
.example{background:var(--ivory);border-left:3px solid var(--brass);padding:22px 26px;border-radius:0 var(--radius) var(--radius) 0;margin:26px 0 4px}
.example .lbl{font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--brass);font-weight:600;margin-bottom:8px}
.example p{color:var(--muted);margin:0;font-size:1rem}
.example .fig{font-family:'Fraunces',serif;color:var(--ink);font-style:normal}

/* form send states + honeypot */
.form-success.is-error{background:rgba(217,139,106,.14);border-color:#d98b6a;color:#e8a585}
.hp{position:absolute!important;left:-9999px!important;top:auto;width:1px;height:1px;overflow:hidden;opacity:0}
button[disabled]{opacity:.6;cursor:wait}

/* about: stat band + team */
.stat-band{display:grid;grid-template-columns:repeat(4,1fr);background:var(--white);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
.stat-band > div{padding:30px 26px;border-right:1px solid var(--line)}
.stat-band > div:last-child{border-right:none}
.sb-fig{font-family:'Fraunces',serif;font-size:2rem;color:var(--ink);line-height:1}
.sb-lab{font-size:.86rem;color:var(--muted);margin-top:8px}
.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.team-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:30px;transition:.3s}
.team-card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.team-avatar{width:64px;height:64px;border-radius:50%;background:linear-gradient(145deg,var(--ink),var(--ink-deep));color:var(--brass-bright);display:grid;place-items:center;font-family:'Fraunces',serif;font-size:1.35rem;border:1px solid var(--brass);margin-bottom:18px}
.team-card h3{font-size:1.3rem;margin-bottom:4px}
.team-card .role{font-size:.76rem;letter-spacing:.12em;text-transform:uppercase;color:var(--brass);font-weight:600;margin-bottom:14px}
.team-card p{font-size:.94rem;color:var(--muted);margin-bottom:16px}
.team-card .tline{font-size:.85rem;color:var(--ink);font-weight:600;padding-top:12px;border-top:1px solid var(--ivory-warm)}
@media(max-width:900px){
  .team-grid{grid-template-columns:1fr 1fr}
  .stat-band{grid-template-columns:1fr 1fr}
  .stat-band > div:nth-child(2){border-right:none}
  .stat-band > div:nth-child(1),.stat-band > div:nth-child(2){border-bottom:1px solid var(--line)}
}
@media(max-width:560px){
  .team-grid{grid-template-columns:1fr}
  .stat-band{grid-template-columns:1fr}
  .stat-band > div{border-right:none;border-bottom:1px solid var(--line)}
  .stat-band > div:last-child{border-bottom:none}
}
.team-photo{width:72px;height:72px;border-radius:50%;object-fit:cover;object-position:center;border:1px solid var(--brass);margin-bottom:18px;display:block;background:var(--ink)}

/* cookie consent banner */
.cookie-bar{position:fixed;left:16px;right:16px;bottom:16px;z-index:300;max-width:780px;margin:0 auto;background:var(--ink-deep);border:1px solid rgba(227,210,172,.3);border-radius:var(--radius);padding:16px 20px;display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;box-shadow:var(--shadow)}
.cookie-bar p{font-size:.86rem;color:var(--muted-ink);margin:0;flex:1;min-width:220px}
.cookie-bar a{color:var(--brass-soft);text-decoration:underline}
.cookie-actions{display:flex;gap:10px;flex-shrink:0}
.cookie-accept{background:var(--brass);color:var(--ink-deep);border:none;padding:11px 22px;border-radius:var(--radius);font-weight:600;cursor:pointer;font-family:inherit;font-size:.9rem}
.cookie-accept:hover{background:var(--brass-bright)}
.cookie-decline{background:transparent;color:var(--muted-ink);border:1px solid rgba(227,210,172,.3);padding:11px 20px;border-radius:var(--radius);cursor:pointer;font-family:inherit;font-size:.9rem}
.cookie-decline:hover{color:var(--ivory)}
[hidden]{display:none!important}
body.cookie-open .wa-float{bottom:120px}

/* 404 */
.notfound{background:var(--ink);color:var(--ivory);min-height:60vh;display:flex;align-items:center;text-align:center;padding:90px 0}
.notfound .big{font-family:'Fraunces',serif;font-size:clamp(4rem,12vw,8rem);color:var(--brass-bright);line-height:1}
.notfound h1{font-size:clamp(1.6rem,3vw,2.2rem);color:var(--ivory);margin:8px 0 16px}
.notfound p{color:#c7d0d8;max-width:480px;margin:0 auto 28px}

/* consent + legal links */
.consent{display:flex;gap:10px;align-items:flex-start;margin-top:6px;cursor:pointer}
.consent input{margin-top:3px;width:auto;flex-shrink:0;accent-color:var(--brass)}
.consent span{font-size:.82rem;color:var(--muted-ink);line-height:1.4}
.lead-consent{grid-column:1 / -1;margin-top:0}
.form-note a,.legal a,.consent a{color:var(--brass-soft);text-decoration:underline}

/* lender panel + sourcing partners */
.lender-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px;margin-top:6px}
.lender-tile{display:flex;align-items:center;justify-content:center;text-align:center;min-height:76px;padding:14px;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);font-family:'Fraunces',serif;font-size:1rem;color:#8b96a2;filter:grayscale(1);transition:.25s}
.lender-tile:hover{color:var(--ink);border-color:var(--brass-soft);transform:translateY(-2px)}
.partners{margin-top:36px;text-align:center}
.partners-label{display:block;font-size:.72rem;letter-spacing:.18em;text-transform:uppercase;color:var(--muted);margin-bottom:14px}
.partner-row{display:flex;gap:16px;justify-content:center;flex-wrap:wrap}
.partner-slot{min-width:170px;min-height:62px;display:flex;align-items:center;justify-content:center;padding:12px 28px;background:var(--white);border:1px dashed var(--brass-soft);border-radius:var(--radius);font-family:'Fraunces',serif;font-size:1.2rem;color:var(--ink)}
@media(max-width:900px){.lender-grid{grid-template-columns:repeat(3,1fr)}}
@media(max-width:560px){.lender-grid{grid-template-columns:repeat(2,1fr)}}

/* indicative rate tables */
.rate-wrap{max-width:660px;margin:0 auto}
.rate-table{border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:var(--white)}
.rate-row{display:grid;grid-template-columns:1.15fr 1fr 1fr;align-items:center;gap:12px;padding:15px 22px;border-bottom:1px solid var(--line)}
.rate-row:last-child{border-bottom:none}
.rate-row:nth-child(even){background:var(--ivory-warm)}
.rate-label{font-weight:600;color:var(--ink);font-size:.98rem;line-height:1.25}
.rate-fig{display:flex;flex-direction:column;gap:2px}
.rate-fig .rl{font-size:.68rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted)}
.rate-fig .rv{font-family:'Fraunces',serif;font-size:1.6rem;line-height:1;color:var(--brass)}
.rate-fig .rv sup{font-size:.55em;vertical-align:super}
.rate-fig .rv.was{color:var(--muted);font-size:1.3rem}
.rate-tag{font-size:.82rem;color:var(--muted);font-style:italic}
.rate-foot{max-width:660px;margin:14px auto 0;font-size:.82rem;color:var(--muted)}
.rate-disc{max-width:660px;margin:16px auto 0;padding:14px 18px;border:1px solid var(--line);border-radius:var(--radius);background:var(--ivory-warm);font-size:.85rem;color:var(--muted-ink);line-height:1.5}
@media(max-width:560px){
  .rate-row{grid-template-columns:1fr auto auto;column-gap:16px}
  .rate-label{grid-column:1 / -1;margin-bottom:6px}
  .rate-fig .rv{font-size:1.35rem}
}
.rate-table.from-only .rate-row{grid-template-columns:1.5fr 1fr}
@media(max-width:560px){.rate-table.from-only .rate-row{grid-template-columns:1fr auto}.rate-table.from-only .rate-label{grid-column:auto;margin-bottom:0}}

/* header call-to-action */
.btn.call{background:transparent;border-color:var(--brass);color:var(--brass-soft);font-weight:700}
.btn.call:hover{background:var(--brass);border-color:var(--brass);color:var(--ink-deep)}
.btn.call svg{width:16px;height:16px;flex-shrink:0}
.topbar .tb-call{font-weight:700;font-size:.92rem;color:var(--brass-bright)}

/* product intro without side panel */
.product-grid.solo{grid-template-columns:1fr}
.product-grid.solo .copy{max-width:940px}

/* refined, professional header buttons */
.nav-links a:not(.btn):hover{color:var(--brass-soft)}
.nav-links .btn{padding:12px 22px;font-size:.74rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;border-radius:3px;gap:8px}
.nav-links .btn.brass{box-shadow:0 1px 0 rgba(0,0,0,.04)}
.site-head .btn.brass:hover{background:var(--brass-bright);border-color:var(--brass-bright);color:var(--ink-deep)}
.nav-links .btn.call{color:var(--brass-bright);border-color:rgba(201,162,88,.55)}
.nav-links .btn.call:hover{background:var(--brass);border-color:var(--brass);color:var(--ink-deep)}
.nav-links .btn.call svg{width:15px;height:15px}

/* separate the action buttons from the nav links */
.nav-links .btn.call{margin-left:12px}

/* recent cases */
.case-section{padding:72px 0;background:var(--ivory-warm)}
.cases-title{font-family:'Fraunces',serif;font-size:1.9rem;color:var(--ink);margin:0 0 8px}
.cases-sub{color:var(--muted);max-width:700px;margin:0 0 4px;font-size:.98rem;line-height:1.5}
.case-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:30px;margin-top:40px}
.case-card{background:var(--ink);color:var(--ivory);border-radius:var(--radius);padding:34px 30px;border:1px solid rgba(179,136,76,.25)}
.case-tag{display:inline-block;font-family:'Hanken Grotesk',sans-serif;font-size:.68rem;letter-spacing:.12em;text-transform:uppercase;color:var(--brass-bright);border:1px solid rgba(179,136,76,.45);border-radius:100px;padding:4px 12px;margin-bottom:16px}
.case-fig{font-family:'Fraunces',serif;font-size:1.85rem;color:#fff;line-height:1;margin-bottom:12px}
.case-desc{font-size:.93rem;color:var(--ivory);opacity:.88;line-height:1.6;margin:0 0 18px}
.case-meta{font-size:.78rem;color:var(--brass-soft);border-top:1px solid rgba(255,255,255,.12);padding-top:12px}
@media(max-width:860px){.case-grid{grid-template-columns:1fr}}

/* specialist cross-links */
.specialist{padding:56px 0;border-top:1px solid var(--line)}
.specialist .eyebrow{color:var(--brass)}
.specialist h2{font-family:'Fraunces',serif;font-size:1.55rem;color:var(--ink);margin:6px 0 0}
.link-pills{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.link-pills a{display:inline-flex;align-items:center;padding:11px 19px;border:1px solid var(--line);border-radius:100px;color:var(--ink);font-weight:600;font-size:.92rem;background:#fff;transition:.2s}
.link-pills a:hover{border-color:var(--brass);color:var(--brass-bright)}
@media(max-width:860px){.foot-top{grid-template-columns:1fr 1fr}}