/* ============================================================
   Mortgage Architects — CK The Broker
   Design system / global stylesheet
   Brand: #0A8EC0 (blue) · #6D6E71 (grey) — sampled from logo
   Type:  Fraunces (display serif) + Manrope (geometric sans)
   ============================================================ */

/* ---------- Design tokens ---------- */
:root {
  /* Brand */
  --blue:        #0A8EC0;
  --blue-deep:   #0A6E96;
  --blue-bright: #1BA5D8;
  --blue-tint:   #E8F4FA;

  /* Ink / navy (harmonized with brand blue) */
  --navy:        #072330;
  --navy-2:      #0B2E3E;
  --ink:         #0C2A36;
  --slate:       #46606C;
  --grey:        #6D6E71;   /* brand grey */

  /* Neutrals */
  --paper:       #FFFFFF;
  --mist:        #F3F7F9;
  --mist-2:      #EAF1F4;
  --line:        #E0E8EC;
  --line-soft:   #EDF2F5;

  /* CK The Broker gold (used around Charles / CK logo contexts) */
  --gold:        #F4B740;
  --gold-bright: #F9D64A;
  --gold-deep:   #E0982A;
  --ck-black:    #1D1E1D;

  /* Type */
  --font-display: "Montserrat", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --font-sans:    "Manrope", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  /* Rhythm */
  --container: 1200px;
  --gutter: clamp(20px, 5vw, 64px);
  --radius: 14px;
  --radius-lg: 22px;
  --shadow-sm: 0 2px 8px rgba(7, 35, 48, .06);
  --shadow: 0 18px 40px -22px rgba(7, 35, 48, .35);
  --shadow-lg: 0 40px 80px -40px rgba(7, 35, 48, .45);
  --ease: cubic-bezier(.22, 1, .36, 1);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-sans);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.65;
  font-size: 17px;
  font-weight: 400;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
ul { list-style: none; }

/* ---------- Layout helpers ---------- */
.container { width: 100%; max-width: var(--container); margin-inline: auto; padding-inline: var(--gutter); }
.section { padding-block: clamp(64px, 9vw, 128px); }
.section--tight { padding-block: clamp(48px, 6vw, 88px); }
.grid { display: grid; gap: clamp(20px, 3vw, 36px); }

/* ---------- Typography ---------- */
h1, h2, h3, h4 { font-family: var(--font-display); font-weight: 700; line-height: 1.14; letter-spacing: -0.02em; color: var(--ink); }
h1 { font-size: clamp(2.35rem, 5.2vw, 4.1rem); font-weight: 800; }
h2 { font-size: clamp(1.85rem, 3.6vw, 2.85rem); font-weight: 800; }
h3 { font-size: clamp(1.3rem, 2vw, 1.55rem); }
.serif-italic { font-style: normal; }
strong { font-weight: 700; }

.eyebrow {
  font-family: var(--font-sans);
  font-weight: 700;
  font-size: .74rem;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--blue);
  display: inline-flex;
  align-items: center;
  gap: .7em;
}
.eyebrow::before {
  content: "";
  width: 26px; height: 1.5px;
  background: var(--blue);
  display: inline-block;
}
.eyebrow--center { justify-content: center; }
.eyebrow--gold { color: var(--gold); }
.eyebrow--gold::before { background: var(--gold); }
.lead { font-size: clamp(1.05rem, 1.4vw, 1.22rem); color: var(--slate); line-height: 1.7; }
.muted { color: var(--grey); }
.balance { text-wrap: balance; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .6em;
  font-family: var(--font-sans);
  font-weight: 700;
  font-size: .92rem;
  letter-spacing: .01em;
  padding: 15px 26px;
  border-radius: 100px;
  transition: transform .3s var(--ease), background .25s, color .25s, box-shadow .3s;
  white-space: nowrap;
}
.btn svg { width: 16px; height: 16px; transition: transform .3s var(--ease); }
.btn--primary { background: var(--blue); color: #fff; box-shadow: 0 10px 24px -10px rgba(10, 142, 192, .8); }
.btn--primary:hover { background: var(--blue-deep); transform: translateY(-2px); box-shadow: 0 16px 30px -12px rgba(10, 142, 192, .85); }
.btn--primary:hover svg { transform: translateX(3px); }
.btn--ghost { background: transparent; color: var(--ink); box-shadow: inset 0 0 0 1.5px var(--line); }
.btn--ghost:hover { box-shadow: inset 0 0 0 1.5px var(--blue); color: var(--blue); transform: translateY(-2px); }
.btn--on-dark { background: #fff; color: var(--navy); }
.btn--on-dark:hover { background: var(--blue); color: #fff; transform: translateY(-2px); }
.btn--ghost-dark { box-shadow: inset 0 0 0 1.5px rgba(255,255,255,.28); color: #fff; }
.btn--ghost-dark:hover { box-shadow: inset 0 0 0 1.5px #fff; transform: translateY(-2px); }
.btn--lg { padding: 18px 34px; font-size: 1rem; }

.textlink { font-weight: 700; color: var(--blue); display: inline-flex; align-items: center; gap: .5em; }
.textlink svg { width: 15px; height: 15px; transition: transform .3s var(--ease); }
.textlink:hover svg { transform: translateX(4px); }

/* ============================================================
   Header / Nav
   ============================================================ */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255, 255, 255, .82);
  backdrop-filter: saturate(1.4) blur(14px);
  -webkit-backdrop-filter: saturate(1.4) blur(14px);
  border-bottom: 1px solid transparent;
  transition: border-color .3s, box-shadow .3s, background .3s;
}
.site-header.is-stuck { border-color: var(--line); box-shadow: var(--shadow-sm); }
.nav { display: flex; align-items: center; justify-content: space-between; height: 82px; gap: 24px; }
.brand { display: flex; align-items: center; gap: 14px; flex-shrink: 0; }
.brand img { height: 38px; width: auto; }
.brand__divider { width: 1px; height: 30px; background: var(--line); }
.brand__ck { display: flex; flex-direction: column; line-height: 1.05; }
.brand__ck b { font-family: var(--font-sans); font-weight: 800; font-size: .82rem; letter-spacing: .12em; text-transform: uppercase; color: var(--ink); }
.brand__ck span { font-size: .64rem; letter-spacing: .16em; text-transform: uppercase; color: var(--grey); font-weight: 600; }

.nav__links { display: flex; align-items: center; gap: 4px; }
.nav__links a {
  font-weight: 600; font-size: .93rem; color: var(--ink);
  padding: 9px 15px; border-radius: 8px; position: relative;
  transition: color .2s, background .2s; white-space: nowrap;
}
.nav__links a:hover { color: var(--blue); }
.nav__links a.active { color: var(--blue); }
.nav__actions { display: flex; align-items: center; gap: 14px; flex-shrink: 0; }
.nav__phone { font-weight: 700; font-size: .92rem; color: var(--ink); display: inline-flex; align-items: center; gap: 8px; }
.nav__phone svg { width: 16px; height: 16px; color: var(--blue); }

.nav__toggle { display: none; width: 44px; height: 44px; border-radius: 10px; align-items: center; justify-content: center; }
.nav__mobile-book { display: none; }
.nav__toggle span { position: relative; width: 22px; height: 2px; background: var(--ink); border-radius: 2px; transition: .3s; }
.nav__toggle span::before, .nav__toggle span::after { content: ""; position: absolute; left: 0; width: 22px; height: 2px; background: var(--ink); border-radius: 2px; transition: .3s var(--ease); }
.nav__toggle span::before { top: -7px; }
.nav__toggle span::after { top: 7px; }
body.menu-open .nav__toggle span { background: transparent; }
body.menu-open .nav__toggle span::before { top: 0; transform: rotate(45deg); }
body.menu-open .nav__toggle span::after { top: 0; transform: rotate(-45deg); }

/* ============================================================
   Hero
   ============================================================ */
.hero {
  position: relative;
  background: var(--navy);
  color: #fff;
  overflow: hidden;
  padding-top: clamp(42px, 6.6vw, 90px);   /* reduced 40% from the bottom value */
  padding-bottom: clamp(70px, 11vw, 150px);
}
.hero__bg { position: absolute; inset: 0; z-index: 0; }
.blueprint-grid {
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.045) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.045) 1px, transparent 1px);
  background-size: 46px 46px;
  mask-image: radial-gradient(120% 100% at 70% 0%, #000 40%, transparent 90%);
}
.hero__glow { position: absolute; width: 720px; height: 720px; right: -180px; top: -220px; background: radial-gradient(circle, rgba(10,142,192,.55), transparent 62%); filter: blur(10px); }
.hero__glow2 { position: absolute; width: 460px; height: 460px; left: -160px; bottom: -200px; background: radial-gradient(circle, rgba(27,165,216,.22), transparent 65%); }

.hero__inner { position: relative; z-index: 2; display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(32px, 5vw, 72px); align-items: center; }
.hero .eyebrow { color: var(--blue-bright); }
.hero .eyebrow::before { background: var(--blue-bright); }
.hero h1 { color: #fff; margin: 22px 0 24px; }
.hero h1 em { font-style: normal; color: var(--blue-bright); }
.hero__lead { font-size: clamp(1.08rem, 1.5vw, 1.28rem); color: rgba(255,255,255,.78); max-width: 40ch; }
.hero__cta { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 34px; }
.hero__trust { display: flex; flex-wrap: nowrap; gap: 20px; margin-top: 42px; padding-top: 30px; border-top: 1px solid rgba(255,255,255,.12); }
.hero__trust div { display: flex; flex-direction: column; flex: 1 1 0; min-width: 0; }
.hero__trust b { font-family: var(--font-display); font-size: 1.6rem; color: #fff; line-height: 1; }
.hero__trust span { font-size: .8rem; letter-spacing: .04em; color: rgba(255,255,255,.6); margin-top: 6px; }

/* Hero visual — blueprint house card */
.hero__visual { position: relative; }
.blueprint-card {
  position: relative;
  border: 1px solid rgba(255,255,255,.16);
  border-radius: var(--radius-lg);
  background: linear-gradient(160deg, rgba(255,255,255,.07), rgba(255,255,255,.02));
  padding: 30px;
  backdrop-filter: blur(4px);
}
.blueprint-card::before, .blueprint-card::after { content: ""; position: absolute; width: 12px; height: 12px; border: 2px solid var(--blue-bright); }
.blueprint-card::before { top: 14px; left: 14px; border-right: none; border-bottom: none; }
.blueprint-card::after { bottom: 14px; right: 14px; border-left: none; border-top: none; }
.blueprint-card svg { width: 100%; height: auto; }
.floating-stat {
  position: absolute; background: #fff; color: var(--ink);
  border-radius: 14px; padding: 14px 18px; box-shadow: var(--shadow-lg);
  display: flex; align-items: center; gap: 12px;
}
.floating-stat > div { display: flex; flex-direction: column; gap: 3px; }
.floating-stat b { font-family: var(--font-display); font-size: 1.4rem; line-height: 1; }
.floating-stat span { font-size: .74rem; color: var(--grey); font-weight: 600; line-height: 1.2; }
.floating-stat .fs-ico { width: 38px; height: 38px; border-radius: 10px; background: var(--blue-tint); color: var(--blue); display: grid; place-items: center; flex-shrink: 0; }
.floating-stat .fs-ico svg { width: 20px; height: 20px; }
.floating-stat--tr { top: -22px; right: -14px; }
.floating-stat--bl { bottom: -24px; left: -18px; }

/* ============================================================
   Marquee / logo-strip
   ============================================================ */
.trust-strip { background: var(--paper); border-bottom: 1px solid var(--line-soft); }
.trust-strip__inner { display: flex; align-items: center; justify-content: center; flex-wrap: nowrap; gap: 26px; padding-block: 26px; overflow-x: auto; scrollbar-width: none; }
.trust-strip__inner::-webkit-scrollbar { display: none; }
.trust-strip__label { font-size: .72rem; letter-spacing: .13em; text-transform: uppercase; color: var(--grey); font-weight: 700; white-space: nowrap; flex-shrink: 0; }
.trust-strip__item { display: inline-flex; align-items: center; gap: 8px; font-weight: 600; font-size: .88rem; color: var(--slate); white-space: nowrap; flex-shrink: 0; }
.trust-strip__item svg { width: 18px; height: 18px; color: var(--blue); }

/* ============================================================
   Section header
   ============================================================ */
.section-head { max-width: 640px; margin-bottom: clamp(38px, 5vw, 58px); }
.section-head--center { margin-inline: auto; text-align: center; }
.section-head h2 { margin: 18px 0 18px; }
.section-head p { font-size: 1.1rem; color: var(--slate); }

/* ============================================================
   Positioning / missing-middle band
   ============================================================ */
.band-split { display: grid; grid-template-columns: 1.1fr .9fr; gap: clamp(30px, 5vw, 70px); align-items: center; }
.pill-note { display: inline-flex; align-items: center; gap: 9px; background: var(--blue-tint); color: var(--blue-deep); font-weight: 700; font-size: .82rem; padding: 8px 15px; border-radius: 100px; }
.pill-note svg { width: 15px; height: 15px; }

.middle-diagram { position: relative; background: var(--mist); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: clamp(24px, 3vw, 38px); }
.middle-row { display: flex; align-items: center; gap: 16px; padding: 18px 0; }
.middle-row + .middle-row { border-top: 1px dashed var(--line); }
.middle-row__ico { width: 46px; height: 46px; border-radius: 12px; flex-shrink: 0; display: grid; place-items: center; }
.middle-row__ico svg { width: 22px; height: 22px; }
.middle-row h4 { font-family: var(--font-sans); font-weight: 800; font-size: 1rem; letter-spacing: -.01em; }
.middle-row p { font-size: .9rem; color: var(--grey); }
.middle-row--muted .middle-row__ico { background: var(--mist-2); color: var(--grey); }
.middle-row--hi { background: var(--paper); margin-inline: -12px; padding-inline: 12px; border-radius: 14px; box-shadow: var(--shadow); position: relative; }
.middle-row--hi .middle-row__ico { background: var(--blue); color: #fff; }
.middle-row--hi::after { content: "YOU ARE HERE"; position: absolute; top: 50%; right: 14px; transform: translateY(-50%); font-size: .62rem; letter-spacing: .14em; font-weight: 800; color: var(--blue); }

/* ============================================================
   Services
   ============================================================ */
.services-grid { grid-template-columns: repeat(3, 1fr); }
.service-card {
  position: relative; background: var(--paper); border: 1px solid var(--line);
  border-radius: var(--radius-lg); padding: 32px 30px;
  transition: transform .4s var(--ease), box-shadow .4s var(--ease), border-color .3s;
  overflow: hidden;
}
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: transparent; }
.service-card__ico { width: 54px; height: 54px; border-radius: 14px; background: var(--blue-tint); color: var(--blue); display: grid; place-items: center; margin-bottom: 22px; transition: background .3s, color .3s; }
.service-card__ico svg { width: 27px; height: 27px; }
.service-card:hover .service-card__ico { background: var(--blue); color: #fff; }
.service-card h3 { font-size: 1.28rem; margin-bottom: 10px; }
.service-card p { font-size: .95rem; color: var(--slate); margin-bottom: 18px; }
.service-card__link { font-weight: 700; font-size: .86rem; color: var(--blue); letter-spacing: .02em; display: inline-flex; align-items: center; gap: 6px; }
.service-card__num { position: absolute; top: 24px; right: 28px; font-family: var(--font-display); font-size: 1.1rem; color: var(--line); }
.service-card--feature { background: var(--navy); border-color: transparent; color: #fff; }
.service-card--feature .blueprint-grid { opacity: .8; }
.service-card--feature h3 { color: #fff; }
.service-card--feature p { color: rgba(255,255,255,.72); }
.service-card--feature .service-card__ico { background: rgba(255,255,255,.12); color: var(--blue-bright); }
.service-card--feature:hover .service-card__ico { background: var(--blue); color: #fff; }
.service-card--feature .service-card__num { color: rgba(255,255,255,.18); }
.service-card__tag { position: absolute; top: 26px; right: 26px; font-size: .62rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--navy); background: var(--blue-bright); padding: 5px 10px; border-radius: 100px; }

/* ============================================================
   Audience split
   ============================================================ */
.audience-grid { grid-template-columns: 1fr 1fr; }
.audience-card { position: relative; border-radius: var(--radius-lg); padding: clamp(30px, 3.5vw, 46px); overflow: hidden; }
.audience-card--a { background: var(--mist); border: 1px solid var(--line); }
.audience-card--b { background: linear-gradient(165deg, var(--navy-2), var(--navy)); color: #fff; }
.audience-card__kicker { font-weight: 800; font-size: .74rem; letter-spacing: .16em; text-transform: uppercase; color: var(--blue); }
.audience-card--b .audience-card__kicker { color: var(--blue-bright); }
.audience-card h3 { font-size: clamp(1.5rem, 2.4vw, 2rem); margin: 14px 0 16px; }
.audience-card--b h3 { color: #fff; }
.audience-card p { color: var(--slate); }
.audience-card--b p { color: rgba(255,255,255,.76); }
.audience-list { margin-top: 24px; display: grid; gap: 12px; }
.audience-list li { display: flex; gap: 12px; align-items: flex-start; font-size: .96rem; font-weight: 500; }
.audience-list svg { width: 20px; height: 20px; flex-shrink: 0; color: var(--blue); margin-top: 2px; }
.audience-card--b .audience-list svg { color: var(--blue-bright); }

/* ============================================================
   Process
   ============================================================ */
.process-grid { grid-template-columns: repeat(4, 1fr); counter-reset: step; }
.process-step { position: relative; padding-top: 36px; }
.process-step::before {
  counter-increment: step; content: counter(step, decimal-leading-zero);
  font-family: var(--font-display); font-size: 1rem; color: var(--blue); font-weight: 500;
  position: absolute; top: 0; left: 0;
}
.process-step::after { content: ""; position: absolute; top: 8px; left: 42px; right: -18px; height: 1px; background: var(--line); }
.process-grid .process-step:last-child::after { display: none; }
.process-step h3 { font-family: var(--font-sans); font-weight: 800; font-size: 1.12rem; letter-spacing: -.01em; margin-bottom: 8px; }
.process-step p { font-size: .92rem; color: var(--slate); }

/* ============================================================
   Differentiators
   ============================================================ */
.diff-grid { grid-template-columns: repeat(2, 1fr); gap: clamp(18px, 2.4vw, 30px); }
.diff-item { display: flex; gap: 18px; padding: 26px; border-radius: var(--radius); background: var(--paper); border: 1px solid var(--line-soft); transition: border-color .3s, transform .3s; }
.diff-item:hover { border-color: var(--blue); transform: translateY(-3px); }
.diff-item__ico { width: 48px; height: 48px; border-radius: 12px; background: var(--blue-tint); color: var(--blue); flex-shrink: 0; display: grid; place-items: center; }
.diff-item__ico svg { width: 24px; height: 24px; }
.diff-item h3 { font-family: var(--font-sans); font-weight: 800; font-size: 1.08rem; margin-bottom: 7px; }
.diff-item p { font-size: .93rem; color: var(--slate); }

/* ============================================================
   Stats band
   ============================================================ */
.stats-band { background: var(--navy); color: #fff; position: relative; overflow: hidden; }
.stats-grid { grid-template-columns: repeat(4, 1fr); position: relative; z-index: 2; text-align: center; }
.stat b { font-family: var(--font-display); font-size: clamp(2.4rem, 4vw, 3.4rem); color: var(--blue-bright); line-height: 1; display: block; }
.stat span { font-size: .92rem; color: rgba(255,255,255,.7); margin-top: 10px; display: block; }

/* ============================================================
   Testimonial
   ============================================================ */
.quote-card { max-width: 860px; margin-inline: auto; text-align: center; }
.quote-mark { font-family: var(--font-display); font-size: 5rem; line-height: .5; color: var(--blue); height: 40px; }
.quote-card blockquote { font-family: var(--font-display); font-weight: 600; font-size: clamp(1.35rem, 2.5vw, 1.95rem); line-height: 1.38; color: var(--ink); letter-spacing: -.02em; margin: 22px 0 26px; }
.quote-card cite { font-style: normal; font-weight: 700; color: var(--ink); }
.quote-card cite span { display: block; font-weight: 500; color: var(--grey); font-size: .9rem; margin-top: 2px; }

/* ============================================================
   Blog cards
   ============================================================ */
.post-grid { grid-template-columns: repeat(3, 1fr); }
.post-card { display: flex; flex-direction: column; border-radius: var(--radius-lg); overflow: hidden; border: 1px solid var(--line); background: var(--paper); transition: transform .4s var(--ease), box-shadow .4s; }
.post-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.post-card__media { aspect-ratio: 16 / 10; position: relative; overflow: hidden; background: var(--navy); }
.post-card__media .blueprint-grid { opacity: .7; }
.post-card__media svg.art { position: absolute; inset: 0; margin: auto; width: 60%; height: 60%; opacity: .9; }
.post-card__cat { position: absolute; top: 14px; left: 14px; z-index: 2; background: rgba(255,255,255,.92); color: var(--navy); font-size: .68rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; padding: 6px 12px; border-radius: 100px; }
.post-card__body { padding: 26px 26px 28px; display: flex; flex-direction: column; flex: 1; }
.post-card__meta { font-size: .78rem; color: var(--grey); font-weight: 600; letter-spacing: .02em; margin-bottom: 12px; }
.post-card h3 { font-size: 1.3rem; line-height: 1.18; margin-bottom: 12px; }
.post-card h3 a:hover { color: var(--blue); }
.post-card p { font-size: .93rem; color: var(--slate); margin-bottom: 18px; flex: 1; }
.post-card__foot { display: flex; align-items: center; justify-content: space-between; }

/* ============================================================
   CTA band
   ============================================================ */
.cta-band { position: relative; background: linear-gradient(150deg, var(--blue-deep), var(--navy) 70%); color: #fff; border-radius: clamp(20px, 3vw, 32px); padding: clamp(44px, 6vw, 78px); overflow: hidden; text-align: center; }
.cta-band .blueprint-grid { opacity: .6; }
.cta-band__inner { position: relative; z-index: 2; max-width: 660px; margin-inline: auto; }
.cta-band h2 { color: #fff; margin-bottom: 18px; }
.cta-band p { color: rgba(255,255,255,.82); font-size: 1.12rem; margin-bottom: 32px; }
.cta-band .btn-row { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ============================================================
   Footer
   ============================================================ */
.site-footer { background: var(--navy); color: rgba(255,255,255,.72); padding-block: clamp(56px, 7vw, 88px) 34px; position: relative; overflow: hidden; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.2fr; gap: clamp(30px, 4vw, 56px); position: relative; z-index: 2; }
.footer-brand img { height: 40px; filter: brightness(0) invert(1); opacity: .95; margin-bottom: 20px; }
.footer-brand p { font-size: .95rem; max-width: 34ch; color: rgba(255,255,255,.62); }
.footer-ck { margin-top: 18px; font-weight: 700; color: #fff; font-size: .9rem; letter-spacing: .05em; }
.footer-fsra { margin-top: 6px; font-size: .8rem; color: rgba(255, 255, 255, .5); letter-spacing: .02em; }
.footer-col h4 { font-family: var(--font-sans); font-weight: 800; font-size: .78rem; letter-spacing: .16em; text-transform: uppercase; color: #fff; margin-bottom: 20px; }
.footer-col ul { display: grid; gap: 12px; }
.footer-col a { font-size: .95rem; color: rgba(255,255,255,.68); transition: color .2s; }
.footer-col a:hover { color: var(--blue-bright); }
.footer-contact li { display: flex; gap: 12px; align-items: flex-start; font-size: .93rem; margin-bottom: 14px; }
.footer-contact svg { width: 18px; height: 18px; color: var(--blue-bright); flex-shrink: 0; margin-top: 3px; }
.footer-social { display: flex; gap: 10px; margin-top: 22px; }
.footer-social a { width: 40px; height: 40px; border-radius: 10px; background: rgba(255,255,255,.08); display: grid; place-items: center; transition: background .25s, transform .25s; }
.footer-social a:hover { background: var(--blue); transform: translateY(-3px); }
.footer-social svg { width: 18px; height: 18px; color: #fff; }
.footer-bottom { margin-top: clamp(40px, 5vw, 60px); padding-top: 26px; border-top: 1px solid rgba(255,255,255,.12); display: flex; flex-wrap: wrap; gap: 14px 24px; justify-content: space-between; align-items: center; position: relative; z-index: 2; }
.footer-bottom p { font-size: .82rem; color: rgba(255,255,255,.5); }
.footer-bottom .legal { max-width: 70ch; line-height: 1.6; }
.footer-links { display: flex; gap: 20px; }
.footer-links a { font-size: .82rem; color: rgba(255,255,255,.6); }
.footer-links a:hover { color: #fff; }

/* ============================================================
   Page hero (interior pages)
   ============================================================ */
.page-hero { background: var(--navy); color: #fff; position: relative; overflow: hidden; padding-block: clamp(70px, 9vw, 120px) clamp(56px, 7vw, 96px); }
.page-hero__inner { position: relative; z-index: 2; }
.page-hero__inner > * { max-width: 760px; } /* cap text, left-aligned to the container edge (matches body sections) */
.page-hero.is-center { text-align: center; }
.page-hero.is-center .page-hero__inner > * { margin-inline: auto; }
.page-hero .eyebrow { color: var(--blue-bright); }
.page-hero .eyebrow::before { background: var(--blue-bright); }
.page-hero h1 { color: #fff; margin: 20px 0 20px; }
.page-hero h1 em { font-style: normal; color: var(--blue-bright); }
.page-hero p { font-size: clamp(1.05rem, 1.5vw, 1.24rem); color: rgba(255,255,255,.78); max-width: 52ch; }
.breadcrumb { display: flex; gap: 10px; align-items: center; font-size: .82rem; color: rgba(255,255,255,.55); margin-bottom: 6px; }
.breadcrumb a:hover { color: #fff; }
.breadcrumb span { opacity: .5; }

/* ============================================================
   About page
   ============================================================ */
.about-intro { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(34px, 5vw, 72px); align-items: center; }
/* Portrait of Charles with creative CK badge treatment */
.portrait { position: relative; width: 100%; max-width: 440px; }
.portrait--right { margin-left: auto; }
.portrait::before { /* offset gold frame — architectural, ties in CK gold */
  content: ""; position: absolute; inset: 26px -22px -22px 26px;
  border: 2px solid var(--gold); border-radius: var(--radius-lg); opacity: .7; z-index: 0;
}
.portrait__frame {
  position: relative; z-index: 2; border-radius: var(--radius-lg); overflow: hidden;
  aspect-ratio: 4 / 5; background: var(--mist-2); box-shadow: var(--shadow-lg);
}
.portrait__photo { width: 100%; height: 100%; object-fit: cover; object-position: 50% 8%; display: block; }
.portrait__pill {
  position: absolute; z-index: 3; top: 16px; left: 16px;
  background: rgba(7, 35, 48, .5); backdrop-filter: blur(8px);
  border: 1px solid rgba(255, 255, 255, .28); color: #fff;
  padding: 8px 14px; border-radius: 100px; font-size: .72rem; font-weight: 700; letter-spacing: .08em;
}
.portrait__stamp {
  position: absolute; z-index: 4; right: -20px; bottom: -18px;
  width: 104px; height: 104px; border-radius: 22px; object-fit: cover;
  background: var(--ck-black); border: 3px solid var(--gold);
  box-shadow: 0 18px 36px -14px rgba(7, 35, 48, .7);
}

/* Compact broker card (contact sidebar) */
.broker-mini { display: flex; align-items: center; gap: 16px; margin-bottom: 28px; }
.broker-mini__pic { position: relative; flex-shrink: 0; width: 84px; height: 84px; }
.broker-mini__pic img.p { width: 100%; height: 100%; object-fit: cover; object-position: 50% 8%; border-radius: 16px; }
.broker-mini__pic img.s { position: absolute; right: -8px; bottom: -8px; width: 40px; height: 40px; border-radius: 11px; object-fit: cover; background: var(--ck-black); border: 2px solid var(--gold); }
.broker-mini b { display: block; font-family: var(--font-display); font-weight: 700; font-size: 1.05rem; color: var(--ink); }
.broker-mini span { font-size: .86rem; color: var(--grey); }
.values-grid { grid-template-columns: repeat(3, 1fr); }
.value-card { padding: 30px; border-radius: var(--radius-lg); background: var(--mist); border: 1px solid var(--line); }
.value-card__ico { width: 50px; height: 50px; border-radius: 12px; background: #fff; color: var(--blue); display: grid; place-items: center; margin-bottom: 18px; box-shadow: var(--shadow-sm); }
.value-card__ico svg { width: 25px; height: 25px; }
.value-card h3 { font-family: var(--font-sans); font-weight: 800; font-size: 1.12rem; margin-bottom: 8px; }
.value-card p { font-size: .93rem; color: var(--slate); }

/* ============================================================
   Contact page
   ============================================================ */
.contact-layout { display: grid; grid-template-columns: 1.1fr .9fr; gap: clamp(34px, 5vw, 64px); align-items: start; }
.contact-info { position: sticky; top: 100px; }
.contact-info h2 { margin-bottom: 20px; }
.contact-methods { display: grid; gap: 8px; margin-top: 28px; }
.contact-method { display: flex; gap: 16px; align-items: center; padding: 18px; border-radius: 14px; border: 1px solid var(--line); transition: border-color .3s, background .3s; }
.contact-method:hover { border-color: var(--blue); background: var(--blue-tint); }
.contact-method__ico { width: 46px; height: 46px; border-radius: 12px; background: var(--blue-tint); color: var(--blue); display: grid; place-items: center; flex-shrink: 0; }
.contact-method__ico svg { width: 22px; height: 22px; }
.contact-method span { font-size: .78rem; color: var(--grey); font-weight: 700; letter-spacing: .08em; text-transform: uppercase; display: block; }
.contact-method b { font-weight: 700; font-size: 1.02rem; color: var(--ink); }
.contact-card { background: var(--mist); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: clamp(28px, 3.4vw, 44px); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-weight: 700; font-size: .84rem; margin-bottom: 8px; color: var(--ink); }
.form-group label .req { color: var(--blue); }
.form-control {
  width: 100%; font-family: inherit; font-size: .97rem; color: var(--ink);
  background: var(--paper); border: 1px solid var(--line); border-radius: 11px;
  padding: 13px 15px; transition: border-color .2s, box-shadow .2s;
}
.form-control:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(10,142,192,.14); }
textarea.form-control { resize: vertical; min-height: 130px; }
select.form-control { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%236D6E71' stroke-width='2.5'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 15px center; padding-right: 40px; }
.form-note { font-size: .82rem; color: var(--grey); margin-top: 14px; }
.form-success { display: none; text-align: center; padding: 20px; }
.form-success.show { display: block; }
.form-success svg { width: 56px; height: 56px; color: var(--blue); margin: 0 auto 14px; }

/* FAQ accordion */
.faq { max-width: 820px; margin-inline: auto; }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-q { width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 20px; text-align: left; padding: 24px 0; font-family: var(--font-sans); font-weight: 700; font-size: 1.08rem; color: var(--ink); }
.faq-q .faq-ico { width: 30px; height: 30px; border-radius: 50%; background: var(--blue-tint); color: var(--blue); display: grid; place-items: center; flex-shrink: 0; transition: transform .3s, background .3s, color .3s; }
.faq-q .faq-ico svg { width: 16px; height: 16px; }
.faq-item.open .faq-q .faq-ico { background: var(--blue); color: #fff; transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .4s var(--ease); }
.faq-a p { padding-bottom: 24px; color: var(--slate); max-width: 68ch; }

/* ============================================================
   Blog single (article)
   ============================================================ */
.article { max-width: 760px; margin-inline: auto; }
.article__meta { display: flex; flex-wrap: wrap; gap: 10px 18px; align-items: center; font-size: .86rem; color: var(--grey); font-weight: 600; margin-bottom: 26px; }
.article__meta .tag { background: var(--blue-tint); color: var(--blue-deep); padding: 5px 12px; border-radius: 100px; font-size: .74rem; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; }
.article__feature { aspect-ratio: 16/8; border-radius: var(--radius-lg); background: var(--navy); position: relative; overflow: hidden; margin-bottom: 42px; }
.article-body { font-size: 1.08rem; line-height: 1.8; color: #26404b; }
.article-body > * + * { margin-top: 1.4em; }
.article-body h2 { font-size: 1.9rem; margin-top: 1.8em; }
.article-body h3 { font-size: 1.4rem; font-family: var(--font-sans); font-weight: 800; margin-top: 1.6em; }
.article-body p { color: #37515c; }
.article-body a { color: var(--blue); font-weight: 600; text-decoration: underline; text-decoration-color: rgba(10,142,192,.3); text-underline-offset: 3px; }
.article-body ul, .article-body ol { padding-left: 1.3em; display: grid; gap: 10px; }
.article-body li { color: #37515c; }
.article-body ul li::marker { color: var(--blue); }
.article-body blockquote { border-left: 3px solid var(--blue); padding: 6px 0 6px 26px; font-family: var(--font-display); font-weight: 600; font-size: 1.3rem; color: var(--ink); line-height: 1.4; letter-spacing: -.01em; }
.article-body strong { color: var(--ink); }
.callout { background: var(--blue-tint); border: 1px solid #cfe8f3; border-radius: var(--radius); padding: 24px 26px; }
.callout p { color: var(--blue-deep) !important; margin: 0; }
.callout b { color: var(--navy); }
.article-share { display: flex; align-items: center; gap: 14px; margin-top: 44px; padding-top: 28px; border-top: 1px solid var(--line); }
.article-share span { font-weight: 700; font-size: .88rem; }
.author-box { display: flex; gap: 20px; align-items: center; margin-top: 40px; padding: 28px; background: var(--mist); border-radius: var(--radius-lg); border: 1px solid var(--line); }
.author-box__avatar { width: 74px; height: 74px; border-radius: 50%; background: var(--navy); display: grid; place-items: center; flex-shrink: 0; color: var(--blue-bright); font-family: var(--font-display); font-weight: 700; font-size: 1.4rem; overflow: hidden; }
.author-box__avatar img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 10%; }
.author-box h4 { font-family: var(--font-sans); font-weight: 800; font-size: 1.05rem; }
.author-box p { font-size: .9rem; color: var(--slate); margin-top: 3px; }

/* ============================================================
   Hero photo (replaces blueprint card)
   ============================================================ */
.hero-photo__frame { position: relative; }
.hero-photo__frame::before, .hero-photo__frame::after { content: ""; position: absolute; width: 28px; height: 28px; border: 2px solid var(--blue-bright); z-index: 4; }
.hero-photo__frame::before { top: -9px; left: -9px; border-right: none; border-bottom: none; }
.hero-photo__frame::after { bottom: -9px; right: -9px; border-left: none; border-top: none; }
.hero-photo { position: relative; border-radius: var(--radius-lg); overflow: hidden; aspect-ratio: 4 / 5; box-shadow: var(--shadow-lg); border: 1px solid rgba(255, 255, 255, .14); }
.hero-photo img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 28%; display: block; }
.hero-photo::after { content: ""; position: absolute; inset: 0; background: linear-gradient(to top, rgba(7, 35, 48, .34), transparent 42%); }

/* ============================================================
   Services — overview page (alternating feature rows)
   ============================================================ */
.svc-list { display: grid; gap: clamp(46px, 6vw, 90px); }
.svc-feature { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(28px, 5vw, 68px); align-items: center; }
.svc-feature__media { position: relative; border-radius: var(--radius-lg); overflow: hidden; aspect-ratio: 5 / 4; box-shadow: var(--shadow); }
.svc-feature__media img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform .6s var(--ease); }
.svc-feature:hover .svc-feature__media img { transform: scale(1.04); }
.svc-feature--rev .svc-feature__media { order: 2; }
.svc-feature__num { font-family: var(--font-display); font-weight: 700; font-size: .95rem; color: var(--blue); letter-spacing: .12em; }
.svc-feature__tag { position: absolute; top: 16px; left: 16px; background: var(--blue); color: #fff; font-size: .64rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; padding: 6px 12px; border-radius: 100px; }
.svc-feature h3 { font-size: clamp(1.5rem, 2.6vw, 2.1rem); margin: 14px 0 14px; }
.svc-feature p { color: var(--slate); margin-bottom: 20px; }

/* ============================================================
   Service detail page
   ============================================================ */
.svc-detail { display: grid; grid-template-columns: 1.55fr .95fr; gap: clamp(34px, 5vw, 66px); align-items: start; }
.svc-feature-img { width: 100%; border-radius: var(--radius-lg); box-shadow: var(--shadow); margin-bottom: 36px; aspect-ratio: 16 / 8; object-fit: cover; }
.svc-sidebar { position: sticky; top: 100px; display: grid; gap: 20px; }
.svc-facts { background: var(--mist); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 28px 26px; }
.svc-facts h4 { font-family: var(--font-sans); font-weight: 800; font-size: .78rem; letter-spacing: .14em; text-transform: uppercase; color: var(--ink); margin-bottom: 16px; }
.svc-facts ul { display: grid; gap: 14px; }
.svc-facts li { display: flex; gap: 12px; align-items: flex-start; font-size: .93rem; color: var(--slate); }
.svc-facts li svg { width: 19px; height: 19px; flex-shrink: 0; color: var(--blue); margin-top: 2px; }
.svc-ctacard { background: linear-gradient(160deg, var(--navy-2), var(--navy)); color: #fff; border-radius: var(--radius-lg); padding: 30px 28px; position: relative; overflow: hidden; }
.svc-ctacard h4 { font-family: var(--font-display); font-weight: 700; font-size: 1.25rem; color: #fff; margin-bottom: 8px; position: relative; z-index: 2; }
.svc-ctacard p { font-size: .92rem; color: rgba(255,255,255,.75); margin-bottom: 18px; position: relative; z-index: 2; }
.svc-ctacard .btn { position: relative; z-index: 2; width: 100%; }
.svc-others { border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 24px 26px; }
.svc-others h4 { font-family: var(--font-sans); font-weight: 800; font-size: .78rem; letter-spacing: .14em; text-transform: uppercase; margin-bottom: 14px; }
.svc-others a { display: flex; align-items: center; justify-content: space-between; gap: 10px; padding: 12px 0; font-weight: 600; font-size: .94rem; color: var(--ink); border-top: 1px solid var(--line-soft); transition: color .2s, padding .2s; }
.svc-others a:first-of-type { border-top: none; }
.svc-others a:hover { color: var(--blue); padding-left: 4px; }
.svc-others a svg { width: 16px; height: 16px; color: var(--blue); }

/* ============================================================
   Real imagery in blog cards + article
   ============================================================ */
.post-card__media img.cover { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; transition: transform .6s var(--ease); }
.post-card:hover .post-card__media img.cover { transform: scale(1.05); }
.article__feature img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.article-body figure { margin: 2.2em 0; }
.article-body figure img { width: 100%; border-radius: var(--radius); display: block; }
.article-body figcaption { font-size: .82rem; color: var(--grey); margin-top: 10px; text-align: center; font-style: normal; }

/* ============================================================
   Audience "What we'll focus on" label
   ============================================================ */
.audience-focus { font-family: var(--font-sans); font-weight: 800; font-size: .74rem; letter-spacing: .14em; text-transform: uppercase; color: var(--blue); margin: 26px 0 14px; }
.audience-card--b .audience-focus { color: var(--blue-bright); }

/* ============================================================
   Lending partners ticker (marquee)
   ============================================================ */
.ticker-band { padding-block: clamp(34px, 5vw, 56px); border-top: 1px solid var(--line-soft); border-bottom: 1px solid var(--line-soft); background: var(--paper); overflow: hidden; }
.ticker-label { text-align: center; font-size: .74rem; letter-spacing: .18em; text-transform: uppercase; color: var(--grey); font-weight: 700; margin-bottom: 26px; }
.ticker { position: relative; width: 100%; overflow: hidden; -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); }
.ticker__track { display: inline-flex; align-items: center; gap: clamp(28px, 5vw, 64px); white-space: nowrap; animation: ck-ticker 38s linear infinite; will-change: transform; }
.ticker:hover .ticker__track { animation-play-state: paused; }
.ticker__logo { display: inline-flex; align-items: center; gap: 10px; flex-shrink: 0; font-family: var(--font-display); font-weight: 700; font-size: 1.15rem; letter-spacing: .02em; color: var(--slate); opacity: .55; filter: grayscale(1); transition: opacity .3s, filter .3s; }
.ticker__logo svg { width: 26px; height: 26px; color: var(--slate); }
.ticker__logo:hover { opacity: 1; filter: none; color: var(--blue); }
@keyframes ck-ticker { from { transform: translateX(0); } to { transform: translateX(-50%); } }
@media (prefers-reduced-motion: reduce) { .ticker__track { animation: none; } }

/* ============================================================
   Google reviews (static)
   ============================================================ */
.grev-summary { display: inline-flex; align-items: center; gap: 12px; margin-top: 22px; flex-wrap: wrap; justify-content: center; }
.grev-g { width: 26px; height: 26px; }
.grev-summary__score { font-family: var(--font-display); font-weight: 800; font-size: 1.5rem; color: var(--ink); }
.grev-summary__count { font-size: .92rem; color: var(--grey); }
.grev-stars { display: inline-flex; gap: 2px; }
.grev-stars svg { width: 17px; height: 17px; }
.grev-stars--lg svg { width: 22px; height: 22px; }
.grev-grid { grid-template-columns: repeat(3, 1fr); margin-top: clamp(36px, 4vw, 52px); }
.grev-card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 28px 28px 30px; box-shadow: var(--shadow-sm); transition: transform .4s var(--ease), box-shadow .4s; }
.grev-card:hover { transform: translateY(-5px); box-shadow: var(--shadow); }
.grev-card__head { display: flex; align-items: center; gap: 13px; margin-bottom: 14px; }
.grev-avatar { width: 46px; height: 46px; border-radius: 50%; display: grid; place-items: center; color: #fff; font-family: var(--font-display); font-weight: 700; font-size: 1.15rem; flex-shrink: 0; }
.grev-card__meta { display: flex; flex-direction: column; line-height: 1.25; flex: 1; }
.grev-card__meta b { font-weight: 700; color: var(--ink); font-size: .98rem; }
.grev-card__meta span { font-size: .82rem; color: var(--grey); }
.grev-card__g { width: 20px; height: 20px; flex-shrink: 0; }
.grev-card > .grev-stars { margin-bottom: 14px; }
.grev-card p { font-size: .96rem; color: var(--slate); line-height: 1.65; }
@media (max-width: 860px) { .grev-grid { grid-template-columns: 1fr; } }

/* Audience "What we will focus on" label */
.audience-focus { font-family: var(--font-sans); font-weight: 800; font-size: .72rem; letter-spacing: .14em; text-transform: uppercase; color: var(--blue); margin: 26px 0 14px; }
.audience-card--b .audience-focus { color: var(--blue-bright); }

/* ============================================================
   Google reviews (static)
   ============================================================ */
/* --- Formidable Forms: normalise to theme inputs (scoped to contact card) --- */
.contact-card .frm_forms, .contact-card form { width: 100%; max-width: 100%; }
.contact-card fieldset { border: 0; margin: 0; padding: 0; min-width: 0; }
.contact-card legend { display: none; }
/* Force Formidable's grid columns to stack full-width (consistent field sizes) */
.contact-card .frm_form_fields,
.contact-card .frm_fields_container,
.contact-card .frm_grid_container,
.contact-card fieldset > div { display: block !important; width: 100% !important; grid-template-columns: none !important; }
.contact-card .frm_form_field,
.contact-card .frm_half,
.contact-card .frm_third,
.contact-card .frm_two_thirds,
.contact-card .frm_fourth,
.contact-card .frm_three_fourths,
.contact-card .frm_sixth { width: 100% !important; max-width: 100% !important; float: none !important; display: block !important; margin: 0 0 18px !important; padding: 0 !important; box-sizing: border-box; }
.contact-card .frm_primary_label { display: block; font-family: var(--font-sans); font-weight: 700; font-size: .84rem; margin: 0 0 8px; padding: 0; color: var(--ink); }
.contact-card .frm_required { color: var(--blue); }
.contact-card .frm_description { font-size: .8rem; color: var(--grey); margin-top: 6px; }
.contact-card input[type="text"], .contact-card input[type="email"], .contact-card input[type="tel"], .contact-card input[type="number"], .contact-card input[type="url"], .contact-card input[type="password"], .contact-card textarea, .contact-card select {
  width: 100% !important; max-width: 100%; box-sizing: border-box; font-family: inherit; font-size: .97rem; line-height: 1.4; color: var(--ink); background: var(--paper); border: 1px solid var(--line); border-radius: 11px; padding: 13px 15px; height: auto; margin: 0; transition: border-color .2s, box-shadow .2s;
}
.contact-card textarea { min-height: 130px; resize: vertical; }
.contact-card input:focus, .contact-card textarea:focus, .contact-card select:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(10, 142, 192, .14); }
.contact-card select { appearance: none; -webkit-appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%236D6E71' stroke-width='2.5'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 15px center; padding-right: 40px; }
.contact-card .frm_checkbox label, .contact-card .frm_radio label, .contact-card .frm_opt_container label { display: flex; gap: 10px; align-items: flex-start; font-size: .9rem; font-weight: 500; color: var(--slate); }
.contact-card input[type="checkbox"], .contact-card input[type="radio"] { width: auto !important; margin: 3px 0 0; flex-shrink: 0; }
.contact-card .frm_submit { margin-top: 6px; clear: both; }
.contact-card .frm_button_submit, .contact-card input[type="submit"], .contact-card button[type="submit"] {
  display: inline-flex; align-items: center; justify-content: center; gap: .6em; width: 100%; background: var(--blue); color: #fff; border: none; border-radius: 100px; padding: 15px 26px; font-family: var(--font-sans); font-weight: 700; font-size: .95rem; letter-spacing: .01em; cursor: pointer; transition: background .25s, transform .3s; box-shadow: 0 10px 24px -10px rgba(10, 142, 192, .8);
}
.contact-card .frm_button_submit:hover, .contact-card input[type="submit"]:hover, .contact-card button[type="submit"]:hover { background: var(--blue-deep); transform: translateY(-2px); }
.contact-card .frm_error, .contact-card .frm_error_style { color: #C0392B; font-size: .82rem; margin-top: 6px; }

.reviews-rating { display: inline-flex; align-items: center; gap: 14px; margin-top: 20px; background: var(--paper); border: 1px solid var(--line); border-radius: 100px; padding: 11px 22px; box-shadow: var(--shadow-sm); }
.reviews-rating .grev-g { width: 26px; height: 26px; flex-shrink: 0; }
.reviews-rating__score { font-family: var(--font-display); font-weight: 800; font-size: 1.4rem; color: var(--ink); line-height: 1; }
.reviews-stars { display: inline-flex; gap: 2px; }
.reviews-stars svg { width: 18px; height: 18px; }
.reviews-rating__count { font-size: .84rem; color: var(--grey); }
.reviews-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: clamp(18px, 2.4vw, 28px); margin-top: 46px; }
.review-card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 28px 26px; box-shadow: var(--shadow-sm); display: flex; flex-direction: column; transition: transform .35s var(--ease), box-shadow .35s; }
.review-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.review-card__top { display: flex; align-items: center; justify-content: space-between; margin-bottom: 15px; }
.review-card__who { display: flex; align-items: center; gap: 12px; }
.review-avatar { width: 44px; height: 44px; border-radius: 50%; display: grid; place-items: center; color: #fff; font-family: var(--font-display); font-weight: 700; font-size: 1.1rem; flex-shrink: 0; }
.review-card__who b { font-weight: 700; font-size: .98rem; color: var(--ink); display: block; line-height: 1.2; }
.review-card__who span { font-size: .8rem; color: var(--grey); }
.review-card .grev-g { width: 22px; height: 22px; flex-shrink: 0; }
.review-card__stars { display: inline-flex; gap: 2px; margin-bottom: 12px; }
.review-card__stars svg { width: 17px; height: 17px; }
.review-card p { font-size: .95rem; color: var(--slate); line-height: 1.65; flex: 1; }
.reviews__cta { text-align: center; margin-top: 42px; }
@media (max-width: 860px) { .reviews-grid { grid-template-columns: 1fr; } }

/* ============================================================
   Awards / recognition band
   ============================================================ */
.awards { background: var(--navy); color: #fff; position: relative; overflow: hidden; }
.awards .blueprint-grid { opacity: .5; }
.awards__grid { display: flex; justify-content: center; align-items: flex-start; gap: clamp(18px, 4vw, 60px); flex-wrap: wrap; margin-top: 46px; position: relative; z-index: 2; }
.award { text-align: center; width: clamp(150px, 22vw, 210px); }
.award img { width: clamp(120px, 15vw, 172px); height: auto; border-radius: 50%; box-shadow: 0 22px 40px -14px rgba(0, 0, 0, .55); transition: transform .45s var(--ease); }
.award:hover img { transform: translateY(-6px) scale(1.04); }
.award b { display: block; font-family: var(--font-display); font-weight: 700; color: #fff; margin-top: 16px; font-size: 1rem; letter-spacing: -.01em; }
.award span { display: block; font-size: .82rem; color: var(--gold); font-weight: 600; margin-top: 3px; letter-spacing: .04em; }

/* ============================================================
   Lending partners ticker (marquee)
   ============================================================ */
.lenders { background: var(--paper); border-top: 1px solid var(--line-soft); border-bottom: 1px solid var(--line-soft); }
.lenders__head { text-align: center; margin-bottom: 30px; }
.lenders__head h2 { font-size: clamp(1.5rem, 2.4vw, 2rem); margin-top: 12px; }
.ticker { position: relative; overflow: hidden; -webkit-mask-image: linear-gradient(90deg, transparent, #000 7%, #000 93%, transparent); mask-image: linear-gradient(90deg, transparent, #000 7%, #000 93%, transparent); }
.ticker__track { display: flex; width: max-content; align-items: center; animation: ck-ticker 34s linear infinite; }
.ticker:hover .ticker__track { animation-play-state: paused; }
/* per-item margin (not gap) so both duplicated halves are identical → seamless -50% loop */
.ticker__item { display: inline-flex; align-items: center; white-space: nowrap; margin-right: clamp(30px, 5vw, 64px); font-family: var(--font-display); font-weight: 700; font-size: clamp(1.05rem, 1.7vw, 1.4rem); color: var(--slate); opacity: .62; transition: opacity .3s, color .3s; }
.ticker__item:hover { opacity: 1; color: var(--navy); }
.ticker__item img { max-height: 42px; max-width: 155px; width: auto; height: auto; object-fit: contain; filter: grayscale(1); opacity: .72; transition: filter .3s, opacity .3s; }
.ticker__item:hover img { filter: none; opacity: 1; }
@keyframes ck-ticker { from { transform: translateX(0); } to { transform: translateX(-50%); } }
@media (prefers-reduced-motion: reduce) { .ticker__track { animation: none; flex-wrap: wrap; justify-content: center; } }

/* ============================================================
   Language switcher (fixed, bottom-left)
   ============================================================ */
.lang-switch {
  position: fixed; left: 20px; bottom: 20px; z-index: 90;
  display: inline-flex; align-items: center; gap: 2px;
  background: var(--navy); border: 1px solid rgba(255, 255, 255, .14);
  border-radius: 100px; padding: 5px 6px 5px 4px;
  box-shadow: 0 14px 34px -12px rgba(7, 35, 48, .6);
}
.lang-switch__ico { width: 30px; height: 30px; display: grid; place-items: center; color: rgba(255, 255, 255, .5); }
.lang-switch__ico svg { width: 17px; height: 17px; }
.lang-switch__opt { font-family: var(--font-sans); font-weight: 700; font-size: .8rem; letter-spacing: .04em; color: rgba(255, 255, 255, .7); padding: 7px 13px; border-radius: 100px; transition: background .2s, color .2s; }
.lang-switch__opt.is-active { background: var(--blue); color: #fff; }
a.lang-switch__opt:not(.is-active):hover { background: rgba(255, 255, 255, .1); color: #fff; }
@media (max-width: 640px) { .lang-switch { left: 14px; bottom: 14px; padding: 4px 5px 4px 3px; } .lang-switch__opt { padding: 6px 11px; font-size: .76rem; } }

/* ============================================================
   Animations
   ============================================================ */
[data-reveal] { opacity: 0; transform: translateY(26px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
[data-reveal].in { opacity: 1; transform: none; }
[data-reveal-delay="1"] { transition-delay: .08s; }
[data-reveal-delay="2"] { transition-delay: .16s; }
[data-reveal-delay="3"] { transition-delay: .24s; }
[data-reveal-delay="4"] { transition-delay: .32s; }
@media (prefers-reduced-motion: reduce) {
  [data-reveal] { opacity: 1 !important; transform: none !important; transition: none !important; }
  html { scroll-behavior: auto; }
}

/* ============================================================
   Responsive
   ============================================================ */
@media (max-width: 1024px) {
  .hero__inner { grid-template-columns: 1fr; }
  .hero__visual { max-width: 460px; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .process-grid { grid-template-columns: repeat(2, 1fr); gap: 40px 30px; }
  .process-step:nth-child(2)::after { display: none; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 40px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .about-intro, .band-split, .contact-layout { grid-template-columns: 1fr; }
  .contact-info { position: static; }
  .about-portrait { max-width: 420px; }
  .svc-feature { grid-template-columns: 1fr; gap: 26px; }
  .svc-feature--rev .svc-feature__media { order: 0; }
  .svc-detail { grid-template-columns: 1fr; }
  .svc-sidebar { position: static; }
}
@media (max-width: 860px) {
  .nav__links, .nav__phone { display: none; }
  .nav__actions .btn { display: none; }         /* header book button moves into the menu */
  .nav__toggle { display: flex; }
  .nav__links.open {
    display: flex; position: fixed; top: 82px; left: 0; right: 0;
    height: calc(100vh - 82px); height: calc(100dvh - 82px); /* explicit: header's backdrop-filter is the containing block, so bottom:0 won't stretch it */
    background: var(--paper);
    flex-direction: column; align-items: stretch; gap: 0; padding: 20px var(--gutter) 40px;
    overflow-y: auto; z-index: 101;
  }
  .nav__links.open a { padding: 18px 4px; font-size: 1.1rem; border-bottom: 1px solid var(--line-soft); border-radius: 0; }
  .nav__links.open .nav__mobile-book { display: inline-flex; width: 100%; justify-content: center; margin-top: 18px; padding: 16px 26px; font-size: 1rem; border: none; border-radius: 100px; }
  body.menu-open { overflow: hidden; }
  .audience-grid, .diff-grid, .form-row { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  body { font-size: 16px; }
  .services-grid, .post-grid, .values-grid, .stats-grid, .process-grid { grid-template-columns: 1fr; }
  .process-step::after { display: none !important; }
  .footer-grid { grid-template-columns: 1fr; }
  .floating-stat--tr { top: -14px; right: 6px; }
  .floating-stat--bl { bottom: -16px; left: 4px; }
  .hero__trust { gap: 16px; }
  .hero__trust b { font-size: 1.35rem; }
  .btn { width: 100%; }
  .hero__cta .btn, .cta-band .btn { width: auto; }
  .hero__cta { flex-direction: column; }
  .hero__cta .btn { width: 100%; }
  /* Trust strip: wrap items on mobile instead of horizontal scroll */
  .trust-strip__inner { flex-wrap: wrap; overflow-x: visible; justify-content: center; gap: 12px 18px; }
  .trust-strip__label { width: 100%; text-align: center; margin-bottom: 2px; }
  /* Awards: 2-up on small screens, aligned titles */
  .awards__grid { gap: 30px 20px; margin-top: 34px; align-items: start; }
  .award { width: clamp(128px, 42vw, 158px); }
  .award b { line-height: 1.25; min-height: 2.5em; margin-top: 14px; display: flex; align-items: center; justify-content: center; }
  .award span { margin-top: 4px; }
  /* Ticker: faster + tighter spacing on mobile */
  .ticker__track { animation-duration: 20s; }
  .ticker__item { margin-right: 34px; }
  .ticker__item img { max-height: 34px; max-width: 118px; }
  .cta-band .btn-row .btn { width: 100%; }
}

/* ============================================================
   WordPress integration
   ============================================================ */
/* Pagination */
.ck-pagination { display:flex; justify-content:center; gap:8px; margin-top:56px; flex-wrap:wrap; }
.ck-pagination .page-numbers { display:inline-flex; align-items:center; justify-content:center; min-width:44px; height:44px; padding:0 14px; border-radius:10px; font-weight:700; font-size:.92rem; color:var(--ink); box-shadow: inset 0 0 0 1.5px var(--line); transition:all .25s var(--ease); }
.ck-pagination a.page-numbers:hover { box-shadow: inset 0 0 0 1.5px var(--blue); color:var(--blue); }
.ck-pagination .page-numbers.current { background:var(--blue); color:#fff; box-shadow:none; }
.ck-pagination .page-numbers.dots { box-shadow:none; }

/* Article body: Gutenberg images / captions */
.article-body img { max-width:100%; height:auto; border-radius:var(--radius); }
.article-body .wp-block-image { margin:2.2em 0; }
.article-body figure.wp-block-image figcaption { font-size:.82rem; color:var(--grey); margin-top:10px; text-align:center; }
.article-body .wp-block-quote { border-left:3px solid var(--blue); padding:6px 0 6px 26px; font-family:var(--font-display); font-weight:600; font-size:1.3rem; color:var(--ink); }

.about-story .lead { font-size:clamp(1.05rem,1.4vw,1.22rem); color:var(--slate); }

/* ============================================================
   Formidable Forms — restyle to match the design (inside .contact-card)
   ============================================================ */
.contact-card .frm_forms, .contact-card .frm_form_fields { width:100%; }
.contact-card fieldset { border:0; padding:0; margin:0; }
.contact-card .frm_form_field { margin-bottom:18px; }
.contact-card .frm_primary_label,
.contact-card .frm_form_field > label { display:block; font-family:var(--font-sans); font-weight:700; font-size:.84rem; margin-bottom:8px; color:var(--ink); }
.contact-card .frm_required { color:var(--blue); }
.contact-card input[type="text"],
.contact-card input[type="email"],
.contact-card input[type="tel"],
.contact-card input[type="number"],
.contact-card input[type="url"],
.contact-card textarea,
.contact-card select {
	width:100%; font-family:inherit; font-size:.97rem; color:var(--ink);
	background:var(--paper); border:1px solid var(--line); border-radius:11px;
	padding:13px 15px; transition:border-color .2s, box-shadow .2s; box-shadow:none;
}
.contact-card textarea { min-height:130px; resize:vertical; }
.contact-card input:focus, .contact-card textarea:focus, .contact-card select:focus {
	outline:none; border-color:var(--blue); box-shadow:0 0 0 3px rgba(10,142,192,.14);
}
.contact-card select { appearance:none; background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%236D6E71' stroke-width='2.5'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E"); background-repeat:no-repeat; background-position:right 15px center; padding-right:40px; }
.contact-card .frm_checkbox label, .contact-card .frm_opt_container label { font-weight:500; font-size:.92rem; color:var(--slate); display:flex; gap:10px; align-items:flex-start; }
.contact-card .frm_description, .contact-card .frm_error { font-size:.82rem; color:var(--grey); margin-top:6px; }
.contact-card .frm_error { color:#c0392b; }
/* two-up rows */
.contact-card .frm_half { width:calc(50% - 9px); display:inline-block; vertical-align:top; }
.contact-card .frm_half + .frm_half { margin-left:18px; }
@media (max-width:560px){ .contact-card .frm_half { width:100%; } .contact-card .frm_half + .frm_half { margin-left:0; } }
/* submit button */
.contact-card .frm_submit { margin-top:8px; }
.contact-card .frm_button_submit,
.contact-card button[type="submit"],
.contact-card .frm_submit input[type="submit"] {
	display:inline-flex; align-items:center; justify-content:center; gap:.6em; width:100%;
	font-family:var(--font-sans); font-weight:700; font-size:.95rem; letter-spacing:.01em;
	padding:16px 26px; border-radius:100px; border:0; cursor:pointer;
	background:var(--blue); color:#fff; box-shadow:0 10px 24px -10px rgba(10,142,192,.8);
	transition:transform .3s var(--ease), background .25s, box-shadow .3s;
}
.contact-card .frm_button_submit:hover,
.contact-card button[type="submit"]:hover,
.contact-card .frm_submit input[type="submit"]:hover { background:var(--blue-deep); transform:translateY(-2px); }
.contact-card .frm_message, .contact-card .frm_success_style { background:var(--blue-tint); border:1px solid #cfe8f3; color:var(--blue-deep); border-radius:var(--radius); padding:20px 22px; }