/* Kiwi Home Buyers Australia — shared non-critical styles */

:root {
  --bg: #ffffff;
  --text: #1a1a1a;
  --accent: #2d6a4f;
  --accent-dark: #1b4332;
  --accent-light: #95d5b2;
  --gold: #c9a96e;
  --muted: #6b6b6b;
  --border: #e8e8e8;
  --card: #f7faf8;
  --max: 1200px;
  --serif: 'Fraunces', 'Playfair Display', Georgia, serif;
}

/* Serif headlines for premium feel */
h1, h2, .form-header h2, .meet-content h2, .hero h1, .service-hero h1, .image-banner h2, .cta-banner h2 {
  font-family: var(--serif);
  font-weight: 700;
  letter-spacing: -0.025em;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}

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

a { color: var(--accent); text-decoration: none; }
a:hover { color: var(--accent-dark); }

.container {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 1.5rem;
}

/* Header */
.site-header {
  position: sticky;
  top: 0;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border);
  z-index: 100;
  padding: 0.5rem 0;
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
.brand {
  font-weight: 800;
  font-size: 1.15rem;
  color: var(--text);
  letter-spacing: -0.02em;
}
.brand .accent { color: var(--accent); }
.nav-links {
  display: none;
  gap: 1.75rem;
  list-style: none;
}
.nav-links a {
  color: var(--text);
  font-weight: 500;
  font-size: 0.95rem;
}
.nav-links a:hover { color: var(--accent); }
.dropdown { position: relative; padding-bottom: 1rem; margin-bottom: -1rem; }
.dropdown-toggle { cursor: pointer; }
.dropdown-menu {
  position: absolute;
  top: 100%;
  left: 0;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 0.5rem 0;
  min-width: 240px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-6px);
  transition: opacity .15s ease, transform .15s ease, visibility .15s ease;
  box-shadow: 0 12px 30px rgba(0,0,0,0.1);
  margin-top: 0.25rem;
}
.dropdown:hover .dropdown-menu,
.dropdown:focus-within .dropdown-menu,
.dropdown.open .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown-menu a {
  display: block;
  padding: 0.6rem 1.25rem;
  font-size: 0.9rem;
  color: var(--text);
}
.dropdown-menu a:hover { background: var(--card); color: var(--accent); }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.85rem 1.5rem;
  border-radius: 8px;
  font-weight: 600;
  font-size: 0.95rem;
  border: none;
  cursor: pointer;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease;
  text-decoration: none;
}
.btn-primary {
  background: var(--accent);
  color: #fff;
}
.btn-primary:hover {
  background: var(--accent-dark);
  color: #fff;
  transform: translateY(-1px);
  box-shadow: 0 8px 20px rgba(45,106,79,0.25);
}
.btn-secondary {
  background: transparent;
  color: var(--text);
  border: 1.5px solid var(--border);
}
.btn-secondary:hover { border-color: var(--accent); color: var(--accent); }

.mobile-toggle {
  display: block;
  background: none;
  border: none;
  font-size: 1.5rem;
  cursor: pointer;
  color: var(--text);
  position: relative;
  z-index: 200;
  transition: color .15s ease;
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
}

@media (min-width: 768px) {
  .nav-links { display: flex; align-items: center; }
  .mobile-toggle { display: none; }
}

/* Hero */
.hero {
  padding: 5rem 0 4rem;
  background: linear-gradient(135deg, #f7faf8 0%, #e8f5ee 100%);
  position: relative;
  overflow: hidden;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.5rem;
  align-items: center;
}
.hero h1 {
  font-size: clamp(2rem, 5vw, 3.4rem);
  line-height: 1.1;
  letter-spacing: -0.03em;
  margin-bottom: 1rem;
  font-weight: 800;
}
.hero h1 .accent { color: var(--accent); }
.hero-sub {
  font-size: 1.125rem;
  color: var(--muted);
  margin-bottom: 2rem;
  max-width: 540px;
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 1.75rem;
}
.hero-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 1.5rem;
  font-size: 0.9rem;
  color: var(--muted);
}
.hero-meta strong { color: var(--text); }
.hero-image {
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 20px 50px rgba(27,67,50,0.18);
}
.hero-image img { width: 100%; height: 100%; object-fit: cover; aspect-ratio: 4/3; }

@media (min-width: 900px) {
  .hero-grid { grid-template-columns: 1.1fr 1fr; gap: 4rem; }
}

/* Sections */
section { padding: 4rem 0; }
.section-head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 3rem;
}
.eyebrow {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--accent);
  margin-bottom: 0.75rem;
}
.section-head h2 {
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  line-height: 1.15;
  letter-spacing: -0.02em;
  margin-bottom: 1rem;
  font-weight: 800;
}
.section-head p { color: var(--muted); font-size: 1.05rem; }

/* Trust strip */
.trust-strip {
  background: var(--accent-dark);
  color: #fff;
  padding: 2rem 0;
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
  text-align: center;
}
.trust-item .num {
  font-size: clamp(1.25rem, 2.5vw, 1.75rem);
  font-weight: 800;
  color: var(--accent-light);
  display: block;
  letter-spacing: -0.02em;
  line-height: 1.2;
}
.trust-item .label {
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  opacity: 0.85;
}
@media (min-width: 768px) {
  .trust-grid { grid-template-columns: repeat(4, 1fr); }
}

/* Services grid */
.services-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}
@media (min-width: 600px) { .services-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1000px) { .services-grid { grid-template-columns: repeat(3, 1fr); } }

.service-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 0;
  overflow: hidden;
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
  display: flex;
  flex-direction: column;
}
.service-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 18px 40px rgba(27,67,50,0.14);
  border-color: var(--accent-light);
}
.service-card .card-image {
  position: relative;
  aspect-ratio: 16/10;
  overflow: hidden;
  background: var(--card);
}
.service-card .card-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform .5s ease;
}
.service-card:hover .card-image img { transform: scale(1.06); }
.service-card .card-image .icon { display: none; }
.service-card .card-body {
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}
.service-card .icon-inline {
  width: 48px;
  height: 48px;
  border-radius: 10px;
  background: var(--card);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 1.25rem;
}
.service-card h3 {
  font-size: 1.25rem;
  margin-bottom: 0.6rem;
  letter-spacing: -0.01em;
}
.service-card p {
  color: var(--muted);
  font-size: 0.95rem;
  margin-bottom: 1.25rem;
  flex-grow: 1;
}
.service-card .more {
  font-weight: 600;
  color: var(--accent);
  font-size: 0.9rem;
}
.service-card .more:after { content: " \2192"; }

/* Process steps */
.process-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}
@media (min-width: 768px) { .process-grid { grid-template-columns: repeat(4, 1fr); } }
.step {
  text-align: left;
  padding: 1.5rem;
  border-left: 3px solid var(--accent);
  background: var(--card);
  border-radius: 0 10px 10px 0;
}
.step .num {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--accent);
  text-transform: uppercase;
  letter-spacing: 0.12em;
}
.step h4 { font-size: 1.1rem; margin: 0.3rem 0 0.5rem; }
.step p { font-size: 0.9rem; color: var(--muted); }

/* Why us */
.why-us {
  background: var(--card);
}
.why-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}
@media (min-width: 768px) { .why-grid { grid-template-columns: repeat(3, 1fr); } }
.why-item {
  background: #fff;
  padding: 1.75rem;
  border-radius: 12px;
  border: 1px solid var(--border);
}
.why-item .check {
  color: var(--accent);
  font-size: 1.5rem;
  margin-bottom: 0.75rem;
  font-weight: 700;
}
.why-item .check svg { width: 24px; height: 24px; display: block; }
.why-item h4 { margin-bottom: 0.5rem; }
.why-item p { color: var(--muted); font-size: 0.95rem; }

/* FAQ */
.faq-list { max-width: 800px; margin: 0 auto; }
.faq-item {
  border-bottom: 1px solid var(--border);
}
.faq-q {
  width: 100%;
  background: none;
  border: none;
  text-align: left;
  padding: 1.25rem 0;
  font-size: 1.05rem;
  font-weight: 600;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  color: var(--text);
  font-family: inherit;
}
.faq-q:hover { color: var(--accent); }
.faq-q .plus {
  font-size: 1.25rem;
  font-weight: 400;
  color: var(--accent);
  transition: transform .2s ease;
}
.faq-item.open .faq-q .plus { transform: rotate(45deg); }
.faq-a {
  display: none;
  padding: 0 0 1.25rem;
  color: var(--muted);
  font-size: 0.98rem;
}
.faq-item.open .faq-a { display: block; }

/* CTA banner */
.cta-banner .cta-reassure {
  margin-top: 1rem;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.6);
  letter-spacing: 0.02em;
}
.cta-banner {
  background: linear-gradient(135deg, var(--accent-dark) 0%, var(--accent) 100%);
  color: #fff;
  text-align: center;
  border-radius: 16px;
  padding: 3rem 2rem;
}
.cta-banner h2 {
  font-size: clamp(1.5rem, 3vw, 2rem);
  margin-bottom: 0.75rem;
  letter-spacing: -0.02em;
}
.cta-banner p { opacity: 0.9; margin-bottom: 1.75rem; }
.cta-banner .btn-primary {
  background: #fff;
  color: var(--accent-dark);
}
.cta-banner .btn-primary:hover { background: var(--accent-light); color: var(--accent-dark); }

/* Contact strip */
.contact-strip {
  background: var(--card);
  padding: 3rem 0;
}
.contact-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
}
@media (min-width: 768px) { .contact-grid { grid-template-columns: repeat(3, 1fr); } }
.contact-item h4 {
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--accent);
  margin-bottom: 0.5rem;
}
.contact-item p, .contact-item a {
  color: var(--text);
  font-size: 1.05rem;
  font-weight: 500;
}

/* Home page hero — no green filter */
.home-hero {
  position: relative;
  padding: 7rem 0 5.5rem;
  color: #fff;
  overflow: hidden;
}
.home-hero:before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: var(--hero-bg);
  background-size: cover;
  background-position: center 40%;
  opacity: 0.35;
  z-index: 0;
}
.home-hero:after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(160deg, rgba(12,35,24,0.75) 0%, rgba(27,67,50,0.6) 50%, rgba(45,106,79,0.45) 100%);
  z-index: 1;
}
.home-hero .container { position: relative; z-index: 2; }

/* Hero badge */
.hero-badge {
  display: inline-block;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.18);
  padding: 0.45rem 1rem;
  border-radius: 100px;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: #95d5b2;
  margin-bottom: 1.5rem;
  backdrop-filter: blur(4px);
}

.home-hero h1 {
  font-family: var(--serif);
  font-size: clamp(2.2rem, 5vw, 3.4rem);
  margin-bottom: 1.25rem;
  letter-spacing: -0.025em;
  font-weight: 700;
  color: #fff;
  max-width: 780px;
  line-height: 1.15;
}
.home-hero h1 .h1-sub {
  display: block;
  font-size: 0.55em;
  font-weight: 500;
  color: rgba(255,255,255,0.85);
  letter-spacing: 0;
  margin-top: 0.5rem;
}
.home-hero .hero-sub {
  color: rgba(255,255,255,0.85);
  max-width: 600px;
  font-size: 1.1rem;
  line-height: 1.65;
  margin-bottom: 2rem;
}
.home-hero .hero-actions {
  margin-bottom: 1rem;
}
.home-hero .btn-primary.btn-lg {
  padding: 1.1rem 2rem;
  font-size: 1.05rem;
  border-radius: 12px;
  box-shadow: 0 8px 24px rgba(0,0,0,0.25);
}
.home-hero .btn-secondary {
  background: rgba(255,255,255,0.08);
  color: #fff;
  border: 1.5px solid rgba(255,255,255,0.25);
  backdrop-filter: blur(4px);
}
.home-hero .btn-secondary:hover {
  background: rgba(255,255,255,0.15);
  border-color: rgba(255,255,255,0.5);
  color: #fff;
}

/* Micro text under CTA */
.hero-micro {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.5);
  margin-bottom: 0.5rem;
  letter-spacing: 0.02em;
}

/* Trust row inside hero */
.hero-trust-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 1rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.hero-trust-item {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.65);
  font-weight: 500;
}
.hero-trust-divider {
  width: 1px;
  height: 16px;
  background: rgba(255,255,255,0.2);
}
@media (max-width: 600px) {
  .hero-trust-divider { display: none; }
  .hero-trust-row { flex-direction: column; align-items: flex-start; gap: 0.5rem; }
}

/* Nav phone number */
.nav-phone {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-weight: 600;
  font-size: 0.88rem;
  color: var(--accent-dark);
  text-decoration: none;
  white-space: nowrap;
}
.nav-phone:hover { color: var(--accent); }
.nav-phone svg { flex-shrink: 0; }

/* Service detail page — hero */
.service-hero {
  position: relative;
  padding: 7rem 0 5.5rem;
  color: #fff;
  overflow: hidden;
}
.service-hero:before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: var(--hero-bg);
  background-size: cover;
  background-position: center;
  opacity: 0.3;
  z-index: 0;
}
.service-hero:after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(160deg, rgba(12,35,24,0.75) 0%, rgba(27,67,50,0.6) 50%, rgba(45,106,79,0.45) 100%);
  z-index: 1;
}
.service-hero .container { position: relative; z-index: 2; }
.service-hero .hero-badge {
  display: inline-block;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.15);
  padding: 0.45rem 1rem;
  border-radius: 100px;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: #95d5b2;
  margin-bottom: 1.5rem;
  backdrop-filter: blur(4px);
}
.service-hero h1 {
  font-family: var(--serif);
  font-size: clamp(2.2rem, 5vw, 3.2rem);
  margin-bottom: 1.25rem;
  letter-spacing: -0.025em;
  font-weight: 700;
  color: #fff;
  max-width: 700px;
  line-height: 1.15;
}
.service-hero .hero-sub {
  color: rgba(255,255,255,0.85);
  max-width: 580px;
  font-size: 1.05rem;
  line-height: 1.65;
  margin-bottom: 2rem;
}
.service-hero .hero-actions { margin-bottom: 1rem; }
.service-hero .btn-primary {
  padding: 1rem 1.8rem;
  font-size: 1rem;
  border-radius: 12px;
  box-shadow: 0 8px 24px rgba(0,0,0,0.25);
}
.service-hero .btn-secondary {
  background: rgba(255,255,255,0.08);
  color: #fff;
  border: 1.5px solid rgba(255,255,255,0.25);
  backdrop-filter: blur(4px);
}
.service-hero .btn-secondary:hover {
  background: rgba(255,255,255,0.15);
  border-color: rgba(255,255,255,0.5);
  color: #fff;
}
.service-hero .hero-micro {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.5);
  letter-spacing: 0.02em;
}

/* Quick summary cards */
.quick-summary {
  padding: 3.5rem 0;
  background: #fff;
}
.summary-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1rem;
}
@media (min-width: 600px) { .summary-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 900px) { .summary-grid { grid-template-columns: repeat(4, 1fr); } }
.summary-card {
  padding: 1.75rem;
  border-radius: 14px;
  background: #f7faf8;
  border: 1.5px solid #e4ede8;
}
.summary-card .sc-icon {
  font-size: 1.4rem;
  margin-bottom: 0.75rem;
  display: block;
}
.summary-card .sc-title {
  font-weight: 700;
  font-size: 0.98rem;
  color: var(--text);
  margin-bottom: 0.35rem;
  display: block;
}
.summary-card .sc-desc {
  font-size: 0.88rem;
  color: var(--muted);
  line-height: 1.5;
}

/* Content section — clean, tight */
.content-section {
  padding: 4rem 0;
}
.content-section .container { max-width: 800px; }
.content-section h2 {
  font-family: var(--serif);
  font-size: 1.6rem;
  font-weight: 700;
  letter-spacing: -0.02em;
  margin-bottom: 1rem;
  color: var(--text);
}
.content-section p {
  color: var(--muted);
  font-size: 1rem;
  line-height: 1.7;
  margin-bottom: 1rem;
}

/* Eligibility / feature list cards */
.checklist-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0.75rem;
  margin-top: 1.5rem;
}
@media (min-width: 600px) { .checklist-grid { grid-template-columns: repeat(2, 1fr); } }
.checklist-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  padding: 1rem 1.25rem;
  background: #f7faf8;
  border-radius: 10px;
  border: 1px solid #e8efe9;
}
.checklist-item .ci-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--accent);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  flex-shrink: 0;
  font-weight: 700;
}
.checklist-item .ci-text {
  font-size: 0.92rem;
  color: var(--text);
  font-weight: 500;
  line-height: 1.45;
}

/* Why us section */
.why-choose {
  padding: 4rem 0;
  background: linear-gradient(180deg, #f7faf8 0%, #fff 100%);
}
.why-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.25rem;
  margin-top: 2rem;
}
@media (min-width: 600px) { .why-grid { grid-template-columns: repeat(2, 1fr); } }
.why-card {
  padding: 2rem;
  border-radius: 14px;
  background: #fff;
  border: 1.5px solid #e4ede8;
}
.wc-icon svg { width: 28px; height: 28px; }

.why-card .wc-icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: linear-gradient(135deg, #2d6a4f 0%, #1b4332 100%);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  margin-bottom: 1rem;
}
.why-card .wc-title {
  font-weight: 700;
  font-size: 1.05rem;
  margin-bottom: 0.5rem;
  color: var(--text);
}
.why-card .wc-desc {
  font-size: 0.9rem;
  color: var(--muted);
  line-height: 1.55;
}

/* Mid-page CTA */
.mid-cta {
  padding: 4rem 0;
  background: linear-gradient(160deg, #1b4332 0%, #2d6a4f 100%);
  color: #fff;
  text-align: center;
}
.mid-cta h2 {
  font-family: var(--serif);
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 700;
  margin-bottom: 0.75rem;
  color: #fff;
}
.mid-cta p {
  color: rgba(255,255,255,0.75);
  font-size: 1rem;
  margin-bottom: 1.75rem;
  max-width: 480px;
  margin-left: auto;
  margin-right: auto;
}
.mid-cta .btn-primary {
  padding: 1rem 2rem;
  font-size: 1rem;
  border-radius: 12px;
  box-shadow: 0 8px 24px rgba(0,0,0,0.2);
}
.mid-cta .cta-micro {
  display: block;
  margin-top: 0.75rem;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.45);
}

/* Meet Paul section */
.meet-paul {
  padding: 5rem 0;
  scroll-margin-top: 100px;
  background: linear-gradient(180deg, #fff 0%, var(--card) 100%);
}
.meet-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem;
  align-items: center;
}
@media (min-width: 900px) { .meet-grid { grid-template-columns: 1fr 1.2fr; } }
.meet-image {
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 20px 50px rgba(27,67,50,0.18);
  aspect-ratio: 4/5;
  position: relative;
}
.meet-image img { width: 100%; height: 100%; object-fit: cover; }
.meet-image .badge {
  position: absolute;
  bottom: 1.5rem;
  left: 1.5rem;
  background: #fff;
  padding: 0.85rem 1.25rem;
  border-radius: 12px;
  box-shadow: 0 8px 24px rgba(0,0,0,0.12);
  font-size: 0.85rem;
  font-weight: 600;
}
.meet-image .badge .name { color: var(--accent-dark); display: block; font-size: 1.1rem; }
.meet-content h2 {
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  letter-spacing: -0.02em;
  margin-bottom: 1rem;
  font-weight: 800;
}
.meet-content p {
  color: var(--muted);
  font-size: 1.05rem;
  margin-bottom: 1.25rem;
}
.meet-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin: 2rem 0;
  padding: 1.5rem 0;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.meet-stat .num {
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--accent);
  display: block;
  letter-spacing: -0.02em;
}
.meet-stat .label {
  font-size: 0.8rem;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

/* Image banner / parallax-ish */
.image-banner {
  height: 320px;
  background-size: cover;
  background-position: center;
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
}
.image-banner:before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(12,35,24,0.85) 0%, rgba(27,67,50,0.7) 100%);
}
.image-banner-content {
  position: relative;
  z-index: 2;
  text-align: center;
  color: #fff;
  max-width: 720px;
  padding: 0 1.5rem;
}
.image-banner h2 {
  font-size: clamp(1.5rem, 3.5vw, 2.25rem);
  margin-bottom: 0.75rem;
  letter-spacing: -0.02em;
  color: #fff;
}
.image-banner p { color: rgba(255,255,255,0.95); }

/* Inline service detail image */
.detail-image {
  border-radius: 14px;
  overflow: hidden;
  margin: 2rem 0;
  box-shadow: 0 14px 36px rgba(27,67,50,0.14);
  aspect-ratio: 16/9;
}
.detail-image img { width: 100%; height: 100%; object-fit: cover; }
.service-detail {
  max-width: 760px;
  margin: 0 auto;
}
.service-detail p { margin-bottom: 1.25rem; font-size: 1.05rem; color: var(--text); }
.benefits-list {
  list-style: none;
  padding: 0;
  margin: 1.5rem 0;
}
.benefits-list li {
  padding: 0.75rem 0 0.75rem 2rem;
  position: relative;
  border-bottom: 1px solid var(--border);
}
.benefits-list li:before {
  content: "\2713";
  position: absolute;
  left: 0;
  top: 0.75rem;
  color: var(--accent);
  font-weight: 700;
  font-size: 1.1rem;
}
.related-services {
  background: var(--card);
}
.related-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.25rem;
}
@media (min-width: 700px) { .related-grid { grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); } }

/* Contact form */
.contact-form-wrap {
  max-width: 720px;
  margin: 0 auto;
}
.contact-form {
  background: #fff;
  padding: 2.75rem;
  border-radius: 18px;
  border: 1px solid var(--border);
  box-shadow: 0 24px 60px rgba(27,67,50,0.08);
}
.form-header {
  text-align: center;
  margin-bottom: 2rem;
}
.form-header h2 {
  font-size: 1.6rem;
  letter-spacing: -0.02em;
  margin-bottom: 0.4rem;
  font-weight: 800;
}
.form-header p { color: var(--muted); font-size: 0.95rem; }
.form-row {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.25rem;
}
@media (min-width: 600px) {
  .form-row.cols-2 { grid-template-columns: 1fr 1fr; }
}
.form-group {
  margin-bottom: 1.25rem;
  position: relative;
}
.form-row .form-group { margin-bottom: 0; }
.form-group label {
  display: block;
  font-weight: 600;
  font-size: 0.85rem;
  margin-bottom: 0.5rem;
  color: var(--text);
  letter-spacing: 0.01em;
}
.form-group label .req { color: var(--accent); margin-left: 2px; }
.form-group input,
.form-group textarea,
.form-group select {
  width: 100%;
  padding: 0.95rem 1.1rem;
  border: 1.5px solid var(--border);
  border-radius: 10px;
  font-size: 1rem;
  font-family: inherit;
  background: #fafbfa;
  color: var(--text);
  transition: border-color .15s ease, background .15s ease, box-shadow .15s ease;
}
.form-group input::placeholder,
.form-group textarea::placeholder { color: #a0a0a0; }
.form-group input:hover,
.form-group textarea:hover,
.form-group select:hover { border-color: #c8d4cc; }
.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--accent);
  background: #fff;
  box-shadow: 0 0 0 4px rgba(45,106,79,0.12);
}
.form-group textarea { resize: vertical; min-height: 140px; }
.form-group select {
  appearance: none;
  background-image: url("data:image/svg+xml;charset=UTF-8,%3csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3e%3cpath fill='%232d6a4f' d='M6 8L0 0h12z'/%3e%3c/svg%3e");
  background-repeat: no-repeat;
  background-position: right 1.1rem center;
  padding-right: 2.5rem;
}
.form-submit {
  margin-top: 1.75rem;
}
.form-submit .btn {
  width: 100%;
  padding: 1.1rem;
  font-size: 1.05rem;
  font-weight: 700;
}
.form-footnote {
  text-align: center;
  color: var(--muted);
  font-size: 0.85rem;
  margin-top: 1.25rem;
}
.form-footnote a { font-weight: 600; }

/* Footer */
.site-footer {
  background: #0d2818;
  color: #d8e8de;
  padding: 3rem 0 2rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
  margin-bottom: 2rem;
}
@media (min-width: 768px) { .footer-grid { grid-template-columns: 1.5fr 1fr 1fr 1fr; } }
.footer-col h4 {
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--accent-light);
  margin-bottom: 1rem;
}
.footer-col ul { list-style: none; padding: 0; }
.footer-col li { margin-bottom: 0.6rem; }
.footer-col a { color: #d8e8de; font-size: 0.95rem; }
.footer-col a:hover { color: var(--accent-light); }
.footer-brand {
  font-size: 1.2rem;
  font-weight: 800;
  color: #fff;
  margin-bottom: 0.75rem;
}
.footer-brand .accent { color: var(--accent-light); }
.footer-bio { font-size: 0.9rem; opacity: 0.8; line-height: 1.6; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 1.5rem;
  text-align: center;
  font-size: 0.85rem;
  opacity: 0.7;
}

/* Floating mobile CTA */
.floating-cta {
  position: fixed;
  bottom: 1rem;
  left: 1rem;
  right: 1rem;
  z-index: 99;
  display: none;
}
.floating-cta .btn {
  width: 100%;
  padding: 1rem;
  font-size: 1rem;
  box-shadow: 0 8px 25px rgba(27,67,50,0.3);
}
.floating-cta.visible { display: block; }
@media (min-width: 768px) { .floating-cta { display: none !important; } }

/* Mobile nav — fullscreen overlay */
.mobile-nav {
  display: none;
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: #0d2818;
  padding: 0;
  z-index: 101;
  flex-direction: column;
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
}
.mobile-nav.open {
  display: flex;
  animation: mobileNavSlideIn .3s cubic-bezier(.16,1,.3,1);
}
@keyframes mobileNavSlideIn {
  from { opacity: 0; transform: translateX(100%); }
  to { opacity: 1; transform: translateX(0); }
}

/* Mobile nav header — white bar matching site header */
.mobile-nav-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.5rem 1.5rem;
  background: rgba(255,255,255,0.97);
  border-bottom: 1px solid var(--border);
  flex-shrink: 0;
}
.mobile-nav-logo {
  height: 120px;
  width: auto;
  filter: none;
  border-radius: 0;
  margin: -25px 0;
  clip-path: inset(0 0 20px 0);
}
.mobile-nav-close {
  width: 44px;
  height: 44px;
  background: none;
  border: none;
  color: #333;
  font-size: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 6px;
  cursor: pointer;
  padding: 10px;
  -webkit-tap-highlight-color: transparent;
}
.mobile-nav-close span {
  display: block;
  width: 24px;
  height: 2px;
  background: #1b4332;
  border-radius: 2px;
  transition: background .15s ease;
}
.mobile-nav-close:hover span,
.mobile-nav-close:active span {
  background: #2d6a4f;
}

/* Nav links area */
.mobile-nav-links {
  flex: 1;
  display: flex;
  flex-direction: column;
  padding: 1.5rem 1.25rem;
  gap: 2px;
}
.mobile-nav-links > a {
  display: flex;
  align-items: center;
  padding: 0.9rem 1.25rem;
  color: rgba(255,255,255,0.85);
  font-weight: 600;
  font-size: 1.05rem;
  letter-spacing: 0.01em;
  text-decoration: none;
  border-radius: 10px;
  transition: color .15s ease, background .15s ease;
}
.mobile-nav-links > a:hover,
.mobile-nav-links > a:active {
  color: #fff;
  background: rgba(255,255,255,0.06);
}

/* CTA in mobile nav */
.mobile-nav-cta {
  padding: 0.5rem 1.25rem 1rem;
  flex-shrink: 0;
}
.mobile-nav-cta a {
  display: block;
  background: var(--accent);
  color: #fff;
  font-weight: 700;
  font-size: 0.95rem;
  text-align: center;
  text-decoration: none;
  border-radius: 10px;
  padding: 0.9rem;
  transition: background .15s ease;
}
.mobile-nav-cta a:hover {
  background: var(--accent-dark);
}

/* Contact strip at bottom */
.mobile-nav-footer {
  border-top: 1px solid rgba(255,255,255,0.06);
  padding: 1rem 1.25rem 2rem;
  display: flex;
  gap: 0.5rem;
  flex-shrink: 0;
}
.mobile-nav-footer a {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  color: rgba(255,255,255,0.55);
  font-size: 0.8rem;
  font-weight: 500;
  text-decoration: none;
  padding: 0.7rem 0.5rem;
  border-radius: 8px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.06);
  transition: color .15s ease, background .15s ease;
}
.mobile-nav-footer a:hover {
  color: rgba(255,255,255,0.9);
  background: rgba(255,255,255,0.08);
}
.mobile-nav-footer .mn-icon {
  font-size: 0.9rem;
  flex-shrink: 0;
}

@media (min-width: 768px) { .mobile-nav { display: none !important; } }

/* Disclaimer */
.disclaimer {
  background: #fff;
  border-top: 1px solid var(--border);
  padding: 1.5rem 0;
  font-size: 0.8rem;
  color: var(--muted);
  text-align: center;
  line-height: 1.5;
}
.disclaimer .container { max-width: 900px; }

/* Brand wordmark with icon */
.brand-mark {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  text-decoration: none;
  color: var(--text);
  font-weight: 800;
  font-size: 1.1rem;
  letter-spacing: -0.02em;
  line-height: 1;
}
.brand-icon {
  width: 36px;
  height: 36px;
  border-radius: 9px;
  background: var(--accent-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 2px 8px rgba(27,67,50,0.18);
}
.brand-icon svg { width: 22px; height: 22px; }
/* Full logo image (replaces icon + text) */
.brand-logo-full {
  height: 120px;
  width: auto;
  display: block;
  margin: -25px 0;
  clip-path: inset(0 0 20px 0);
  border-radius: 0;
  box-shadow: none;
}

.brand-text {
  display: flex;
  flex-direction: column;
  gap: 1px;
}
.brand-text .top { font-size: 1.05rem; font-weight: 800; line-height: 1.1; color: var(--text); }
.brand-text .top .accent { color: var(--accent); }
.brand-text .bottom {
  font-size: 0.65rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--muted);
  line-height: 1.1;
}

/* Star rating badge */
.rating-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  background: rgba(255,255,255,0.95);
  border: 1px solid var(--border);
  border-radius: 100px;
  padding: 0.4rem 0.9rem 0.4rem 0.5rem;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 1.25rem;
  box-shadow: 0 4px 12px rgba(27,67,50,0.06);
}
.rating-badge .stars {
  color: var(--gold);
  letter-spacing: -0.05em;
  font-size: 0.95rem;
}
.rating-badge .label {
  color: var(--muted);
  font-weight: 500;
  font-size: 0.8rem;
}

/* Lenders strip */
.lenders-strip {
  background: #fff;
  padding: 4rem 0 3.5rem;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.lenders-head {
  text-align: center;
  margin-bottom: 2.25rem;
}
.lenders-head .eyebrow { color: var(--accent); margin-bottom: 0.5rem; display: block; }
.lenders-head h3 {
  font-family: var(--serif);
  font-size: 1.45rem;
  font-weight: 700;
  letter-spacing: -0.02em;
  margin-bottom: 0.4rem;
  color: var(--text);
}
.lenders-head p {
  color: var(--muted);
  font-size: 0.95rem;
}
.lenders-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
  align-items: center;
  max-width: 980px;
  margin: 0 auto;
}
@media (min-width: 600px) { .lenders-grid { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 900px) { .lenders-grid { grid-template-columns: repeat(6, 1fr); } }
.lender-chip {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 1rem 0.75rem;
  text-align: center;
  font-weight: 700;
  color: var(--accent-dark);
  font-size: 0.85rem;
  letter-spacing: -0.01em;
  transition: transform .2s ease, border-color .2s ease;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 64px;
}
.lender-chip:hover {
  transform: translateY(-2px);
  border-color: var(--accent-light);
}
.lenders-foot {
  text-align: center;
  margin-top: 2rem;
  font-size: 0.85rem;
  color: var(--muted);
}

/* Form loading state */
.form-submit .btn {
  position: relative;
  transition: opacity .2s ease;
}
.form-submit .btn.loading {
  pointer-events: none;
  opacity: 0.7;
}
.form-submit .btn.loading:after {
  content: "";
  position: absolute;
  right: 1.25rem;
  top: 50%;
  transform: translateY(-50%);
  width: 16px;
  height: 16px;
  border: 2px solid rgba(255,255,255,0.3);
  border-top-color: #fff;
  border-radius: 50%;
  animation: spin .8s linear infinite;
}
@keyframes spin { to { transform: translateY(-50%) rotate(360deg); } }

/* Breadcrumbs */
.breadcrumbs {
  background: var(--card);
  border-bottom: 1px solid var(--border);
  padding: 0.85rem 0;
  font-size: 0.85rem;
}
.breadcrumbs ol {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  align-items: center;
  padding: 0;
  margin: 0;
}
.breadcrumbs li { display: flex; align-items: center; gap: 0.5rem; }
.breadcrumbs li:not(:last-child):after {
  content: "/";
  color: var(--muted);
  opacity: 0.5;
  margin-left: 0.5rem;
}
.breadcrumbs a {
  color: var(--muted);
  font-weight: 500;
}
.breadcrumbs a:hover { color: var(--accent); }
.breadcrumbs li:last-child {
  color: var(--text);
  font-weight: 600;
}

/* Footer compliance */
.footer-compliance {
  background: #08200f;
  color: rgba(216,232,222,0.7);
  padding: 1.75rem 0;
  font-size: 0.78rem;
  line-height: 1.6;
}
.footer-compliance .container { max-width: 1100px; }
.footer-compliance p { margin-bottom: 0.75rem; }
.footer-compliance p:last-child { margin-bottom: 0; }
.footer-compliance a {
  color: var(--accent-light);
  text-decoration: underline;
  text-underline-offset: 2px;
}
.footer-compliance .compliance-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 1.5rem;
  align-items: center;
  margin-bottom: 1rem;
  padding-bottom: 1rem;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-compliance .badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.75rem;
  color: rgba(255,255,255,0.85);
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  background: rgba(255,255,255,0.05);
  padding: 0.5rem 0.85rem;
  border-radius: 6px;
  border: 1px solid rgba(255,255,255,0.08);
}
.footer-compliance .badge .dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--accent-light);
}
.footer-legal-links {
  display: flex;
  flex-wrap: wrap;
  gap: 1.25rem;
  font-size: 0.78rem;
  margin-top: 0.75rem;
}
.footer-legal-links a { color: var(--accent-light); }

/* Branded lender logo chips */
.lender-logo {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 1.1rem 0.5rem;
  text-align: center;
  font-weight: 800;
  font-size: 0.95rem;
  letter-spacing: -0.02em;
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 78px;
  position: relative;
  overflow: hidden;
}
.lender-logo:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 24px rgba(0,0,0,0.08);
  border-color: transparent;
}
.lender-logo .logo-inner {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  line-height: 1;
}
.lender-logo .dot-mark {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 0.7rem;
  color: #fff;
  font-weight: 800;
}
.lender-logo .square-mark {
  width: 22px;
  height: 22px;
  border-radius: 4px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 0.7rem;
  color: #fff;
  font-weight: 800;
}
.lender-logo .logo-text { letter-spacing: -0.02em; }

/* Per-bank colors */
.lender-cba .dot-mark { background: #ffcc00; color: #000; }
.lender-cba .logo-text { color: #1a1a1a; }
.lender-westpac .dot-mark { background: #d5002b; }
.lender-westpac .logo-text { color: #d5002b; }
.lender-anz .square-mark { background: #004899; }
.lender-anz .logo-text { color: #004899; }
.lender-nab .square-mark { background: #c8102e; }
.lender-nab .logo-text { color: #c8102e; }
.lender-macquarie .dot-mark { background: #1a1a1a; }
.lender-macquarie .logo-text { color: #1a1a1a; }
.lender-ing .square-mark { background: #ff6200; }
.lender-ing .logo-text { color: #ff6200; }
.lender-stgeorge .dot-mark { background: #00a13b; }
.lender-stgeorge .logo-text { color: #00a13b; }
.lender-suncorp .dot-mark { background: #ffcd00; color: #000; }
.lender-suncorp .logo-text { color: #1a1a1a; }
.lender-bankwest .square-mark { background: #00a99d; }
.lender-bankwest .logo-text { color: #00a99d; }
.lender-amp .dot-mark { background: #00558c; }
.lender-amp .logo-text { color: #00558c; }
.lender-banksa .square-mark { background: #006633; }
.lender-banksa .logo-text { color: #006633; }
.lender-more {
  background: var(--card);
  color: var(--accent-dark);
  font-style: italic;
  font-weight: 600;
}

/* ===== Modern Contact Form Layout ===== */
.contact-section {
  padding: 4rem 0 5rem;
  background: linear-gradient(180deg, #fff 0%, var(--card) 100%);
}
.contact-layout {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
  align-items: start;
}
@media (min-width: 900px) {
  .contact-layout { grid-template-columns: 1fr 1.4fr; gap: 3rem; }
}

.contact-aside {
  background: linear-gradient(160deg, var(--accent-dark) 0%, var(--accent) 100%);
  color: #fff;
  padding: 2.5rem;
  border-radius: 18px;
  position: relative;
  overflow: hidden;
}
.contact-aside:before {
  content: "";
  position: absolute;
  top: -40px; right: -40px;
  width: 180px; height: 180px;
  background: radial-gradient(circle, rgba(149,213,178,0.25) 0%, transparent 70%);
  border-radius: 50%;
}
.contact-aside h2 {
  font-family: var(--serif);
  font-size: 1.8rem;
  font-weight: 700;
  margin-bottom: 0.75rem;
  letter-spacing: -0.02em;
  position: relative;
}
.contact-aside p.aside-intro {
  color: rgba(255,255,255,0.9);
  font-size: 0.98rem;
  margin-bottom: 2rem;
  position: relative;
}
.contact-detail-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
  position: relative;
}
.contact-detail {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
}
.contact-detail .icon-box {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  background: rgba(255,255,255,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.05rem;
  flex-shrink: 0;
  color: var(--accent-light);
  border: 1px solid rgba(255,255,255,0.1);
}
.contact-detail .label {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent-light);
  margin-bottom: 0.25rem;
  display: block;
}
.contact-detail .value { color: #fff; font-weight: 500; font-size: 0.98rem; line-height: 1.5; }
.contact-detail .value a { color: #fff; }
.contact-detail .value a:hover { color: var(--accent-light); }
.contact-detail .meta { color: rgba(255,255,255,0.65); font-size: 0.82rem; margin-top: 0.15rem; display: block; }

.contact-aside-footer {
  margin-top: 2rem;
  padding-top: 1.75rem;
  border-top: 1px solid rgba(255,255,255,0.15);
  position: relative;
}
.contact-aside-footer .stat-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.contact-aside-footer .stat .num {
  font-family: var(--serif);
  font-size: 1.6rem;
  font-weight: 700;
  color: #fff;
  display: block;
  letter-spacing: -0.02em;
  line-height: 1;
}
.contact-aside-footer .stat .lbl {
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--accent-light);
  margin-top: 0.4rem;
  display: block;
}

.contact-form-modern {
  background: #fff;
  padding: 2.75rem;
  border-radius: 18px;
  border: 1px solid var(--border);
  box-shadow: 0 24px 60px rgba(27,67,50,0.06);
}
.contact-form-modern .form-header { text-align: left; margin-bottom: 1.75rem; }
.contact-form-modern .form-header h2 { font-size: 1.5rem; }
.contact-form-modern .form-header p { color: var(--muted); font-size: 0.95rem; }

/* Facebook nav icon */
.nav-links .btn {
  padding: 0.6rem 1.1rem;
  font-size: 0.88rem;
  border-radius: 9px;
  height: 38px;
}
.nav-fb {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border-radius: 9px;
  background: var(--accent);
  color: #fff;
  font-family: 'Inter', sans-serif;
  font-weight: 800;
  font-size: 1.15rem;
  font-style: italic;
  letter-spacing: -0.04em;
  text-decoration: none;
  transition: transform .15s ease, background .15s ease, box-shadow .15s ease;
  flex-shrink: 0;
}
.nav-fb:hover {
  background: var(--accent-dark);
  color: #fff;
  transform: translateY(-1px);
  box-shadow: 0 6px 14px rgba(45,106,79,0.3);
}
.nav-fb svg { width: 18px; height: 18px; }

/* Form field polish */
.contact-form-modern .form-group {
  position: relative;
}
.contact-form-modern .form-group .field-icon {
  position: absolute;
  left: 1rem;
  top: 38px;
  color: var(--muted);
  pointer-events: none;
  font-size: 0.95rem;
  z-index: 1;
}
.contact-form-modern .form-group.has-icon input,
.contact-form-modern .form-group.has-icon textarea {
  padding-left: 2.6rem;
}
.contact-form-modern .form-group input:focus + .field-icon,
.contact-form-modern .form-group input:focus ~ .field-icon { color: var(--accent); }

.contact-form-modern .form-divider {
  border-top: 1px solid var(--border);
  margin: 1.75rem 0 1.25rem;
  position: relative;
}
.contact-form-modern .form-divider span {
  position: absolute;
  left: 50%;
  top: -10px;
  transform: translateX(-50%);
  background: #fff;
  padding: 0 0.85rem;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--muted);
}

.contact-form-modern .form-row { gap: 1.1rem; }
.contact-form-modern .form-group input,
.contact-form-modern .form-group textarea,
.contact-form-modern .form-group select {
  padding: 1rem 1.1rem;
  font-size: 0.98rem;
  border-width: 1.5px;
  border-color: #d8dfdb;
  background: #fff;
  border-radius: 10px;
  transition: border-color .15s ease, box-shadow .15s ease, background .15s ease;
}
.contact-form-modern .form-group input::placeholder,
.contact-form-modern .form-group textarea::placeholder { color: #b0b8b3; font-weight: 400; }
.contact-form-modern .form-group input:hover,
.contact-form-modern .form-group textarea:hover,
.contact-form-modern .form-group select:hover { border-color: var(--accent-light); }
.contact-form-modern .form-group input:focus,
.contact-form-modern .form-group textarea:focus,
.contact-form-modern .form-group select:focus {
  outline: none;
  border-color: var(--accent);
  background: #fbfdfc;
  box-shadow: 0 0 0 4px rgba(45,106,79,0.1);
}
.contact-form-modern .form-group label {
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--text);
  margin-bottom: 0.55rem;
  display: block;
}
.contact-form-modern .form-submit .btn {
  padding: 1.15rem;
  font-size: 1rem;
  letter-spacing: 0.02em;
  border-radius: 12px;
  box-shadow: 0 8px 18px rgba(45,106,79,0.18);
}
.contact-form-modern .form-submit .btn:hover {
  box-shadow: 0 12px 26px rgba(45,106,79,0.28);
}
.contact-form-modern .form-header { padding-bottom: 1rem; border-bottom: 1px solid var(--border); }
.contact-form-modern .form-header .eyebrow { display: block; margin-bottom: 0.4rem; }

/* Real lender SVG logos */
.lender-logo {
  background: #fff !important;
  border: 1px solid var(--border) !important;
  border-radius: 12px !important;
  padding: 1rem 1.25rem !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  min-height: 76px !important;
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease !important;
}
.lender-logo:hover {
  transform: translateY(-3px) !important;
  box-shadow: 0 12px 24px rgba(0,0,0,0.06) !important;
  border-color: var(--accent-light) !important;
}
.lender-logo img {
  max-height: 52px;
  width: auto;
  max-width: 90%;
  display: block;
  filter: grayscale(20%);
  opacity: 0.85;
  transition: filter .2s ease, opacity .2s ease;
}
.lender-logo:hover img { filter: none; opacity: 1; }

.lender-more {
  font-size: 0.85rem;
  font-style: italic;
  color: var(--accent-dark);
  font-weight: 600;
  letter-spacing: -0.01em;
  text-align: center;
}

/* ===== Cleaner footer ===== */
.site-footer {
  background: #0d2818;
  color: #d8e8de;
  padding: 4rem 0 2rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.5rem;
  margin-bottom: 3rem;
}
@media (min-width: 768px) {
  .footer-grid { grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 3rem; }
}
.footer-col h4 {
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--accent-light);
  margin-bottom: 1.25rem;
  font-weight: 700;
}
.footer-col ul { list-style: none; padding: 0; margin: 0; }
.footer-col li { margin-bottom: 0.7rem; }
.footer-col a {
  color: #d8e8de;
  font-size: 0.95rem;
  transition: color .15s ease;
}
.footer-col a:hover { color: #fff; }

.footer-brand-block {
  display: block;
  margin-bottom: 1rem;
}
.footer-logo {
  height: 60px;
  width: auto;
  display: block;
  filter: none;
  border-radius: 12px;
}
.footer-brand-block .brand-icon {
  background: var(--accent-dark);
}
.footer-brand-name {
  font-family: var(--serif);
  font-size: 1.4rem;
  font-weight: 700;
  color: #fff;
  letter-spacing: -0.02em;
  line-height: 1.1;
}
.footer-brand-name .accent { color: var(--accent-light); }
.footer-bio {
  font-size: 0.95rem;
  color: rgba(216,232,222,0.75);
  line-height: 1.7;
  max-width: 320px;
  margin-bottom: 1.5rem;
}
.footer-social {
  display: flex;
  gap: 0.6rem;
}
.footer-social a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 8px;
  background: rgba(255,255,255,0.06);
  color: var(--accent-light);
  transition: background .15s ease, transform .15s ease;
}
.footer-social a:hover {
  background: var(--accent);
  color: #fff;
  transform: translateY(-2px);
}
.footer-social svg { width: 16px; height: 16px; }

.footer-bottom {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  justify-content: space-between;
  align-items: center;
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 1.75rem;
  font-size: 0.85rem;
  color: rgba(216,232,222,0.6);
}
.footer-bottom .legal-links {
  display: flex;
  flex-wrap: wrap;
  gap: 1.25rem;
}
.footer-bottom .legal-links a { color: rgba(216,232,222,0.7); font-size: 0.85rem; }
.footer-bottom .legal-links a:hover { color: #fff; }

/* Compliance simplified */
.footer-compliance {
  background: #08200f;
  color: rgba(216,232,222,0.6);
  padding: 1.5rem 0;
  font-size: 0.78rem;
  line-height: 1.65;
}
.footer-compliance .container { max-width: 1100px; }
.footer-compliance .compliance-row {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem 2rem;
  align-items: center;
  margin-bottom: 0.85rem;
  padding-bottom: 0.85rem;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.footer-compliance .compliance-row .pill {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.85);
}
.footer-compliance .compliance-row .pill .dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--accent-light);
}
.footer-compliance p { margin: 0; }
.footer-compliance strong { color: rgba(255,255,255,0.9); }

/* ============================================================
   v2 — Hero refinement & footer polish
   ============================================================ */

/* HERO — premium typography, tighter rhythm, conversion-focused CTAs */
.hero {
  padding: clamp(4rem, 7vw, 6.5rem) 0 clamp(3.5rem, 6vw, 5.5rem);
  background:
    radial-gradient(1200px 600px at 85% -10%, rgba(149,213,178,0.35), transparent 60%),
    linear-gradient(135deg, #f7faf8 0%, #eaf3ed 100%);
}
.hero-grid {
  gap: 3rem;
  align-items: center;
}
@media (min-width: 900px) {
  .hero-grid { grid-template-columns: 1.05fr 1fr; gap: 4.5rem; }
}
.hero-copy { max-width: 640px; }
.hero-copy .eyebrow {
  margin-bottom: 1rem;
  font-size: 0.78rem;
  letter-spacing: 0.14em;
}
.hero-copy .rating-badge {
  margin: 0 0 1.5rem;
  padding: 0.35rem 0.85rem 0.35rem 0.55rem;
  gap: 0.55rem;
  background: rgba(255,255,255,0.85);
  border-color: rgba(27,67,50,0.08);
  font-size: 0.78rem;
  font-weight: 500;
  color: var(--muted);
  box-shadow: 0 2px 6px rgba(27,67,50,0.04);
}
.hero-copy .rating-badge .stars { font-size: 0.85rem; }
.hero h1 {
  max-width: 16ch;
  font-size: clamp(2.1rem, 4.6vw, 3.3rem);
  line-height: 1.08;
  letter-spacing: -0.028em;
  font-weight: 700;
  color: #0d2818;
  margin-bottom: 1.4rem;
}
.hero h1 .accent { color: var(--accent); }
.hero-sub {
  max-width: 52ch;
  font-size: 1.0625rem;
  line-height: 1.55;
  color: #4a5550;
  margin-bottom: 2.25rem;
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.85rem 1.25rem;
  margin-bottom: 2.5rem;
}
.btn-lg {
  padding: 1.05rem 1.85rem;
  font-size: 1rem;
  border-radius: 10px;
  box-shadow: 0 6px 16px rgba(27,67,50,0.18);
}
.btn-primary.btn-lg:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 28px rgba(45,106,79,0.3);
}
.btn-ghost {
  background: transparent;
  color: var(--accent-dark);
  padding: 1.05rem 0.5rem;
  font-weight: 600;
  border-radius: 8px;
  transition: color .15s ease, transform .15s ease;
}
.btn-ghost span { transition: transform .15s ease; display: inline-block; margin-left: 0.15rem; }
.btn-ghost:hover { color: var(--accent); }
.btn-ghost:hover span { transform: translateX(3px); }

.hero-meta {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.6rem 1.5rem;
  padding: 0;
  margin: 0;
  font-size: 0.85rem;
  color: var(--muted);
}
.hero-meta li {
  position: relative;
  padding-right: 1.5rem;
}
.hero-meta li:not(:last-child)::after {
  content: "";
  position: absolute;
  right: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 3px;
  height: 3px;
  border-radius: 50%;
  background: rgba(27,67,50,0.25);
}
.hero-meta li:last-child { padding-right: 0; }
.hero-meta strong {
  color: var(--accent-dark);
  font-weight: 700;
}

.hero-image {
  position: relative;
  border-radius: 18px;
  box-shadow: 0 24px 60px rgba(13,40,24,0.16), 0 4px 12px rgba(13,40,24,0.06);
}
.hero-image img {
  border-radius: 18px;
  aspect-ratio: 5/4;
}
.hero-image-overlay {
  position: absolute;
  inset: 0;
  border-radius: 18px;
  pointer-events: none;
  background:
    linear-gradient(180deg, rgba(13,40,24,0.0) 60%, rgba(13,40,24,0.25) 100%),
    linear-gradient(135deg, rgba(45,106,79,0.06) 0%, rgba(201,169,110,0.04) 100%);
}
@media (min-width: 900px) {
  .hero-image img { aspect-ratio: 4/5; }
}

/* Mobile hero adjustments */
@media (max-width: 899px) {
  .hero-copy { max-width: 100%; }
  .hero h1 { max-width: none; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .hero-actions .btn-ghost { padding: 0.85rem 1rem; }
  .hero-image img { aspect-ratio: 4/3; }
  .hero-meta { gap: 0.5rem 1.1rem; font-size: 0.82rem; }
}

/* ============================================================
   v3 — Final polish: new logo image, compact footer, hero refine
   ============================================================ */

/* New logo image */
.brand-img {
  width: 38px;
  height: 38px;
  border-radius: 9px;
  flex-shrink: 0;
  display: block;
  box-shadow: 0 2px 8px rgba(27,67,50,0.18);
}
.footer-brand-block .brand-img {
  width: 36px;
  height: 36px;
  box-shadow: none;
}


/* HERO v3 — sharper rhythm, refined CTA, decorative accent */
.hero {
  padding: clamp(3.5rem, 6vw, 5.5rem) 0 clamp(3rem, 5vw, 4.5rem);
  position: relative;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 20% 30%, rgba(45,106,79,0.04) 0, transparent 35%),
    radial-gradient(circle at 80% 70%, rgba(201,169,110,0.06) 0, transparent 40%);
  pointer-events: none;
}
.hero .container { position: relative; z-index: 1; }
.hero-copy .eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(45,106,79,0.08);
  color: var(--accent-dark);
  padding: 0.3rem 0.7rem;
  border-radius: 100px;
  font-size: 0.72rem;
  margin-bottom: 1.25rem;
}
.hero-copy .eyebrow::before {
  content: "";
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--accent);
  box-shadow: 0 0 0 3px rgba(45,106,79,0.18);
}
.hero h1 {
  font-size: clamp(2.2rem, 4.8vw, 3.5rem);
  line-height: 1.05;
  margin-bottom: 1.1rem;
  letter-spacing: -0.035em;
}
.hero-sub {
  font-size: 1.075rem;
  line-height: 1.55;
  color: var(--muted);
  margin-bottom: 1.75rem;
  max-width: 540px;
}
.hero-actions {
  margin-bottom: 2rem;
  gap: 0.85rem;
}
.hero-actions .btn-lg {
  padding: 1rem 1.6rem;
  font-size: 1rem;
  box-shadow: 0 6px 18px rgba(45,106,79,0.25);
}
.hero-actions .btn-ghost {
  background: transparent;
  color: var(--text);
  border: 1.5px solid rgba(27,67,50,0.15);
  padding: 1rem 1.4rem;
  font-size: 0.95rem;
}
.hero-actions .btn-ghost:hover {
  border-color: var(--accent);
  color: var(--accent);
  transform: translateY(-1px);
}
.hero-meta {
  padding-top: 1.5rem;
  border-top: 1px solid rgba(27,67,50,0.08);
  gap: 1.75rem;
  font-size: 0.85rem;
}
.hero-meta li {
  display: flex;
  flex-direction: column;
  gap: 0.1rem;
}
.hero-meta strong {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--accent-dark);
  letter-spacing: -0.02em;
}
.hero-image {
  border-radius: 20px;
  position: relative;
  box-shadow:
    0 10px 30px rgba(27,67,50,0.12),
    0 30px 60px rgba(27,67,50,0.18);
}
.hero-image::after {
  content: "";
  position: absolute;
  top: -12px;
  right: -12px;
  width: 80px;
  height: 80px;
  border-radius: 16px;
  background: linear-gradient(135deg, var(--accent-light) 0%, var(--gold) 100%);
  z-index: -1;
  opacity: 0.6;
}
.hero-image img { aspect-ratio: 5/4; }

@media (max-width: 899px) {
  .hero-image::after { display: none; }
  .hero-meta { gap: 1rem; }
  .hero-meta li { flex-direction: row; align-items: baseline; gap: 0.4rem; }
  .hero-meta strong { font-size: 0.95rem; }
}

/* ============================================================
   v4 — minimal footer (overrides v2 + v3 footer styles)
   ============================================================ */

.site-footer {
  background: #0d2818;
  color: rgba(216,232,222,0.75);
  padding: 3rem 0 1.5rem;
}
.site-footer .container { max-width: 1200px; }

/* Footer grid restored */

/* Top row: brand | nav | meta */
.footer-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1rem 1.5rem;
  padding-bottom: 1rem;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.footer-brand {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  text-decoration: none;
  font-family: var(--serif);
  font-size: 1rem;
  font-weight: 700;
  color: #fff;
  letter-spacing: -0.01em;
}
.footer-brand .brand-img {
  width: 30px;
  height: 30px;
  border-radius: 7px;
  box-shadow: none;
}
.footer-brand .accent { color: var(--accent-light); }
.footer-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem 1.1rem;
  font-size: 0.85rem;
}
.footer-nav a {
  color: rgba(216,232,222,0.78);
  text-decoration: none;
  transition: color .15s ease;
}
.footer-nav a:hover { color: #fff; }
.footer-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 0.3rem 1rem;
  font-size: 0.85rem;
}
.footer-meta a {
  color: rgba(216,232,222,0.78);
  text-decoration: none;
}
.footer-meta a:hover { color: #fff; }

.footer-fineprint {
  display: block !important;
  padding-top: 0.85rem;
  font-size: 0.72rem;
  line-height: 1.5;
  color: rgba(216,232,222,0.5);
  text-align: left;
}
.footer-fineprint span { display: inline; }

/* Footer bottom layout */
.footer-bottom-left {
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
}
.footer-abn {
  font-size: 0.75rem;
  color: rgba(216,232,222,0.45);
}

/* Hide the old separate compliance section if any leftover */
.footer-compliance { display: none !important; }

@media (max-width: 720px) {
  .footer-row {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.85rem;
  }
  .footer-nav { gap: 0.4rem 1rem; }
}

/* ============================================================
   Blog listing & post styles
   ============================================================ */
.blog-listing { padding: 4rem 0; }
.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(340px, 1fr));
  gap: 1.5rem;
}
.blog-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
  transition: box-shadow 0.2s ease, transform 0.2s ease;
}
.blog-card:hover {
  box-shadow: 0 8px 24px rgba(0,0,0,0.08);
  transform: translateY(-2px);
}
.blog-card a {
  text-decoration: none;
  color: inherit;
  display: block;
}
.blog-card-content { padding: 1.5rem; }
.blog-card-meta {
  display: flex;
  gap: 1rem;
  margin-bottom: 0.75rem;
  font-size: 0.82rem;
  color: var(--text-light);
}
.blog-date { font-weight: 500; }
.blog-read-time { color: var(--text-light); }
.blog-card-title {
  font-family: var(--serif);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 0.6rem;
  line-height: 1.3;
}
.blog-card-excerpt {
  font-size: 0.92rem;
  color: var(--text-light);
  line-height: 1.55;
  margin-bottom: 1rem;
}
.blog-read-more {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--primary);
}

/* Individual blog post */
.blog-post { padding: 3rem 0 4rem; }
.blog-post .container { max-width: 760px; }
.blog-post-header {
  display: flex;
  gap: 1rem;
  margin-bottom: 1rem;
  font-size: 0.85rem;
  color: var(--text-light);
}
.blog-post h1 {
  font-family: var(--serif);
  font-size: clamp(1.8rem, 4vw, 2.6rem);
  font-weight: 700;
  color: var(--text);
  margin-bottom: 2rem;
  line-height: 1.2;
}
.blog-post-body {
  font-size: 1.05rem;
  line-height: 1.75;
  color: var(--text);
}
.blog-post-body p { margin-bottom: 1.25rem; }
.blog-post-body h3 {
  font-family: var(--serif);
  font-size: 1.3rem;
  font-weight: 700;
  margin: 2rem 0 1rem;
  color: var(--text);
}
.blog-post-body ul, .blog-post-body ol {
  margin: 0 0 1.25rem 1.5rem;
}
.blog-post-body li {
  margin-bottom: 0.5rem;
  line-height: 1.6;
}
.blog-post-author {
  margin-top: 3rem;
  padding-top: 2rem;
  border-top: 1px solid var(--border);
}
.blog-post-author p {
  margin-bottom: 0.5rem;
  color: var(--text-light);
}
.blog-post-author a { color: var(--primary); }

@media (max-width: 600px) {
  .blog-grid { grid-template-columns: 1fr; }
}

/* ============================================================
   Blog listing & post styles
   ============================================================ */
.blog-listing { padding: 4rem 0; }
.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(340px, 1fr));
  gap: 1.5rem;
}
.blog-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
  transition: box-shadow 0.2s ease, transform 0.2s ease;
}
.blog-card:hover {
  box-shadow: 0 8px 24px rgba(0,0,0,0.08);
  transform: translateY(-2px);
}
.blog-card a {
  text-decoration: none;
  color: inherit;
  display: block;
}
.blog-card-content { padding: 1.5rem; }
.blog-card-meta {
  display: flex;
  gap: 1rem;
  margin-bottom: 0.75rem;
  font-size: 0.82rem;
  color: var(--text-light);
}
.blog-date { font-weight: 500; }
.blog-read-time { color: var(--text-light); }
.blog-card-title {
  font-family: var(--serif);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 0.6rem;
  line-height: 1.3;
}
.blog-card-excerpt {
  font-size: 0.92rem;
  color: var(--text-light);
  line-height: 1.55;
  margin-bottom: 1rem;
}
.blog-read-more {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--primary);
}

/* Individual blog post */
.blog-post { padding: 3rem 0 4rem; }
.blog-post .container { max-width: 760px; }
.blog-post-header {
  display: flex;
  gap: 1rem;
  margin-bottom: 1rem;
  font-size: 0.85rem;
  color: var(--text-light);
}
.blog-post h1 {
  font-family: var(--serif);
  font-size: clamp(1.8rem, 4vw, 2.6rem);
  font-weight: 700;
  color: var(--text);
  margin-bottom: 2rem;
  line-height: 1.2;
}
.blog-post-body {
  font-size: 1.05rem;
  line-height: 1.75;
  color: var(--text);
}
.blog-post-body p { margin-bottom: 1.25rem; }
.blog-post-body h3 {
  font-family: var(--serif);
  font-size: 1.3rem;
  font-weight: 700;
  margin: 2rem 0 1rem;
  color: var(--text);
}
.blog-post-body ul, .blog-post-body ol {
  margin: 0 0 1.25rem 1.5rem;
}
.blog-post-body li {
  margin-bottom: 0.5rem;
  line-height: 1.6;
}
.blog-post-author {
  margin-top: 3rem;
  padding-top: 2rem;
  border-top: 1px solid var(--border);
}
.blog-post-author p {
  margin-bottom: 0.5rem;
  color: var(--text-light);
}
.blog-post-author a { color: var(--primary); }

@media (max-width: 600px) {
  .blog-grid { grid-template-columns: 1fr; }
}

/* Blog card images */
.blog-card-image {
  height: 200px;
  background-size: cover;
  background-position: center;
}

/* Blog post hero breadcrumbs */
.breadcrumbs-inline {
  margin-bottom: 1rem;
  font-size: 0.85rem;
}
.breadcrumbs-inline a {
  color: rgba(255,255,255,0.7);
  text-decoration: none;
}
.breadcrumbs-inline a:hover { color: #fff; }

/* ============================================================
   Mobile services dropdown in nav
   ============================================================ */
.mobile-services-dropdown {
  width: 100%;
}
.mobile-services-toggle {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  padding: 0.9rem 1.25rem;
  color: rgba(255,255,255,0.85);
  font-weight: 600;
  font-size: 1.05rem;
  letter-spacing: 0.01em;
  background: none;
  border: none;
  border-radius: 10px;
  cursor: pointer;
  transition: color .15s ease, background .15s ease;
  font-family: inherit;
  -webkit-tap-highlight-color: transparent;
}
.mobile-services-toggle:hover {
  color: #fff;
  background: rgba(255,255,255,0.06);
}
.mobile-chevron {
  font-size: 0.75rem;
  transition: transform .25s ease;
}
.mobile-chevron.rotated {
  transform: rotate(180deg);
}
.mobile-services-list {
  display: none;
  flex-direction: column;
  padding-left: 1rem;
  overflow: hidden;
}
.mobile-services-list.open {
  display: flex;
  animation: slideDown .25s ease;
}
@keyframes slideDown {
  from { opacity: 0; transform: translateY(-8px); }
  to { opacity: 1; transform: translateY(0); }
}
.mobile-services-list a {
  padding: 0.6rem 1.25rem !important;
  font-size: 0.95rem !important;
  font-weight: 500 !important;
  color: rgba(255,255,255,0.6) !important;
  border-left: 2px solid rgba(255,255,255,0.08);
  border-radius: 0 10px 10px 0 !important;
}
.mobile-services-list a:hover {
  color: #fff !important;
  border-left-color: var(--accent-light);
}

/* ============================================================
   Compact footer (mobile-first)
   ============================================================ */
.footer-compact-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-bottom: 1.25rem;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand-link { display: inline-block; }
.footer-compact-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem 1rem;
  padding: 1rem 0;
  font-size: 0.85rem;
}
.footer-compact-links a {
  color: rgba(216,232,222,0.75);
  text-decoration: none;
  transition: color .15s ease;
}
.footer-compact-links a:hover { color: #fff; }
.footer-compact-contact {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.35rem 0.6rem;
  padding-bottom: 1.25rem;
  font-size: 0.85rem;
  color: rgba(216,232,222,0.55);
}
.footer-compact-contact a {
  color: rgba(216,232,222,0.75);
  text-decoration: none;
}
.footer-compact-contact a:hover { color: #fff; }
.footer-dot { color: rgba(216,232,222,0.3); }

@media (max-width: 600px) {
  .footer-compact-top { flex-direction: column; gap: 1rem; align-items: flex-start; }
  .footer-compact-links { gap: 0.5rem 0.75rem; }
  .footer-compact-contact { flex-direction: column; align-items: flex-start; gap: 0.3rem; }
  .footer-dot { display: none; }
}

/* Footer compliance disclosure */
.footer-disclosure {
  font-size: 0.75rem;
  color: rgba(216,232,222,0.55);
  max-width: 800px;
  margin: 0 auto 0.9rem;
  text-align: center;
  line-height: 1.55;
  padding: 0 0.5rem;
}

/* Hero deposit disclaimer */
.hero-deposit-disclaimer {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.55);
  margin: 0 auto 2.5rem;
  max-width: 480px;
  font-style: italic;
}

/* Contact form consent checkbox */
.form-consent { margin-top: 0.25rem; }
.consent-label {
  display: flex;
  align-items: flex-start;
  gap: 0.65rem;
  font-size: 0.9rem;
  color: var(--muted);
  cursor: pointer;
  line-height: 1.5;
}
.consent-label input[type="checkbox"] {
  margin-top: 0.2rem;
  flex-shrink: 0;
  width: 1rem;
  height: 1rem;
  accent-color: var(--accent);
  cursor: pointer;
}
.consent-label a { color: var(--accent); text-decoration: underline; }

/* Blog stale notice */
.blog-stale-notice {
  background: #fef9c3;
  border: 1px solid #fde68a;
  border-radius: 8px;
  padding: 0.85rem 1.1rem;
  font-size: 0.9rem;
  color: #78350f;
  margin-bottom: 1.75rem;
  line-height: 1.5;
}
.blog-stale-notice a { color: #92400e; text-decoration: underline; }

/* Blog last reviewed */
.blog-reviewed {
  display: block;
  font-size: 0.8rem;
  color: var(--muted);
  margin-top: 0.3rem;
}

/* Legal / compliance pages */
.legal-page { padding: 3rem 0 5rem; }
.legal-page h1 { font-size: clamp(1.75rem, 4vw, 2.5rem); margin-bottom: 1.5rem; }
.legal-page h2 { font-size: 1.25rem; margin: 2rem 0 0.75rem; color: var(--accent-dark); }
.legal-page h3 { font-size: 1rem; margin: 1.5rem 0 0.5rem; font-weight: 600; }
.legal-page p { margin-bottom: 1rem; color: var(--muted); line-height: 1.7; }
.legal-page ul { padding-left: 1.5rem; margin-bottom: 1rem; }
.legal-page li { color: var(--muted); margin-bottom: 0.4rem; line-height: 1.7; }
.legal-page a { color: var(--accent); text-decoration: underline; }
.legal-date { font-size: 0.85rem; color: var(--muted); margin-bottom: 2rem; display: block; }

/* Calendly booking section */
.booking-section {
  padding: 3rem 0 1rem;
  background: var(--bg);
}
.booking-intro {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 2.5rem;
}
.booking-intro .eyebrow {
  color: var(--accent);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  display: block;
  margin-bottom: 0.75rem;
}
.booking-intro h1 {
  font-family: var(--serif);
  font-size: clamp(1.85rem, 4vw, 2.5rem);
  margin-bottom: 0.75rem;
  color: var(--text);
}
.booking-desc {
  color: var(--muted);
  font-size: 1rem;
  line-height: 1.6;
}
.calendly-inline-widget {
  min-height: 720px;
  max-width: 1100px;
  margin: 0 auto;
}
@media (max-width: 768px) {
  .calendly-inline-widget {
    min-height: 1050px;
  }
}

/* Divider between Calendly and form */
.contact-divider-section {
  padding: 2.5rem 0 1rem;
}
.contact-divider {
  display: flex;
  align-items: center;
  gap: 1rem;
  max-width: 640px;
  margin: 0 auto;
  color: var(--muted);
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
}
.contact-divider:before,
.contact-divider:after {
  content: "";
  flex: 1;
  height: 1px;
  background: var(--border);
}

/* Contact options at bottom — subtle footer-style strip */
.contact-options-section {
  padding: 1rem 0 4rem;
}
.contact-options-section .contact-options-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  max-width: 900px;
  margin: 0 auto;
}
.contact-options-section .contact-option-card {
  background: transparent;
  border: none;
  box-shadow: none;
  text-align: center;
  padding: 1rem;
  transition: opacity 0.2s ease;
  text-decoration: none;
}
.contact-options-section .contact-option-card:hover {
  opacity: 0.7;
  transform: none;
}
.contact-options-section .contact-option-icon {
  background: transparent;
  color: var(--accent);
  font-size: 1.25rem;
  width: auto;
  height: auto;
  margin-bottom: 0.4rem;
  display: inline-block;
}
.contact-options-section .contact-option-label {
  font-size: 0.7rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--muted);
  display: block;
  margin-bottom: 0.25rem;
}
.contact-options-section .contact-option-value {
  font-weight: 600;
  color: var(--text);
  font-size: 0.95rem;
  display: block;
}
.contact-options-section .contact-option-meta {
  display: none;
}
@media (max-width: 640px) {
  .contact-options-section .contact-options-grid {
    grid-template-columns: 1fr;
    gap: 0.5rem;
  }
}

.booking-section .container {
  max-width: 1320px;
}

/* Testimonials */
.testimonials-section {
  padding: 4rem 0;
  background: var(--bg);
}
.testimonials-section .section-head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 3rem;
}
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.5rem;
  max-width: 1200px;
  margin: 0 auto;
}
.testimonial-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}
.testimonial-stars {
  color: #f5a623;
  font-size: 1rem;
  letter-spacing: 0.1em;
}
.testimonial-body {
  color: var(--text);
  font-size: 0.95rem;
  line-height: 1.6;
  flex: 1;
}
.testimonial-footer {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  border-top: 1px solid var(--border);
  padding-top: 0.75rem;
  margin-top: 0.5rem;
  font-size: 0.85rem;
}
.testimonial-name {
  font-weight: 600;
  color: var(--text);
}
.testimonial-date {
  color: var(--muted);
  font-size: 0.8rem;
}
.testimonial-source-line {
  text-align: center;
  color: var(--muted);
  font-size: 0.85rem;
  margin-top: 2.5rem;
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
}
.testimonials-cta {
  text-align: center;
  margin-top: 2.5rem;
}
@media (max-width: 640px) {
  .testimonials-grid {
    grid-template-columns: 1fr;
  }
}

/* Featured quote on reviews page */
.featured-review {
  padding: 4rem 0;
  background: #f8faf9;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.featured-quote {
  max-width: 880px;
  margin: 0 auto;
  text-align: center;
  padding: 2.5rem 2rem;
}
.featured-quote-stars {
  color: #f5a623;
  font-size: 1.25rem;
  letter-spacing: 0.15em;
  margin-bottom: 1.25rem;
}
.featured-quote p {
  font-family: var(--serif);
  font-size: clamp(1.2rem, 2.5vw, 1.65rem);
  line-height: 1.5;
  color: var(--text);
  font-style: italic;
  margin: 0 0 1.25rem;
}
.featured-quote cite {
  font-style: normal;
  color: var(--muted);
  font-size: 0.95rem;
  font-weight: 500;
}

/* Stats banner */
.reviews-stats {
  background: linear-gradient(135deg, #1b4332 0%, #2d6a4f 100%);
  color: #fff;
  padding: 1.5rem 0;
}
.reviews-stats-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
  text-align: center;
}
.rs-item .rs-num {
  display: block;
  font-family: var(--serif);
  font-size: clamp(1.75rem, 3vw, 2.5rem);
  font-weight: 700;
  color: var(--accent-light);
  line-height: 1;
  margin-bottom: 0.5rem;
}
.rs-item .rs-label {
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  opacity: 0.85;
}
@media (min-width: 768px) {
  .reviews-stats-grid { grid-template-columns: repeat(4, 1fr); }
}

/* Scrolling testimonials wall */
.testimonials-wall {
  padding: 2.5rem 0 4rem;
  background: var(--bg);
}
.testimonials-wall-head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 3rem;
}
.testimonials-wall-head .eyebrow {
  color: var(--accent);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  display: block;
  margin-bottom: 0.75rem;
}
.testimonials-wall-head h2 {
  margin-bottom: 0.75rem;
}
.testimonials-wall-head p {
  color: var(--muted);
  font-size: 1rem;
}
.testimonials-wall-grid {
  display: flex;
  justify-content: center;
  gap: 1.5rem;
  max-height: 720px;
  overflow: hidden;
  -webkit-mask-image: linear-gradient(to bottom, transparent, #000 12%, #000 88%, transparent);
  mask-image: linear-gradient(to bottom, transparent, #000 12%, #000 88%, transparent);
}
.testimonials-column {
  width: 320px;
  overflow: hidden;
}
.testimonials-column.tc-md { display: none; }
.testimonials-column.tc-lg { display: none; }
@media (min-width: 768px) {
  .testimonials-column.tc-md { display: block; }
}
@media (min-width: 1024px) {
  .testimonials-column.tc-lg { display: block; }
}
.testimonials-track {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  animation: testimonialsScroll var(--duration, 30s) linear infinite;
  will-change: transform;
}
.testimonials-track:hover {
  animation-play-state: paused;
}
@keyframes testimonialsScroll {
  0% { transform: translateY(0); }
  100% { transform: translateY(-50%); }
}

/* Wall card */
.wall-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 1.75rem;
  box-shadow: 0 4px 20px rgba(27,67,50,0.06);
}
.wall-card-text {
  color: var(--text);
  font-size: 0.95rem;
  line-height: 1.6;
  margin: 0;
}
.wall-card-head {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: 0.85rem;
}
.wall-card-stars {
  color: #f5a623;
  font-size: 0.9rem;
  letter-spacing: 0.1em;
  margin-bottom: 0.85rem;
}
.wall-card-avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--accent);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1rem;
  flex-shrink: 0;
}
.wall-card-avatar:before {
  content: attr(data-initial);
}
.wall-card-meta {
  display: flex;
  flex-direction: column;
  line-height: 1.2;
}
.wall-card-name {
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--text);
}
.wall-card-date {
  font-size: 0.78rem;
  color: var(--muted);
}

/* Reduced motion: slow the animation but keep the wall scrolling */
@media (prefers-reduced-motion: reduce) {
  .testimonials-track {
    animation-duration: 180s !important;
  }
}

/* Reviews hero — background photo + inline stats */
.service-hero-reviews {
  padding: 5rem 0 4rem;
}
.service-hero-reviews h1 {
  font-size: clamp(1.8rem, 4vw, 2.6rem);
  margin-bottom: 0.75rem;
}
.service-hero-reviews .hero-sub {
  max-width: 580px;
}

/* In-hero stats row on reviews page */
.reviews-hero-stats {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 1.25rem;
  margin-top: 2rem;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255,255,255,0.15);
  max-width: 720px;
}
.rhs-item {
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
}
.rhs-stars {
  color: #f5a623;
  font-size: 1rem;
  letter-spacing: 0.1em;
  line-height: 1;
}
.rhs-num {
  font-family: var(--serif);
  font-size: clamp(1.4rem, 2.2vw, 1.75rem);
  font-weight: 700;
  color: #fff;
  line-height: 1;
}
.rhs-label {
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(255,255,255,0.75);
}
.rhs-divider {
  width: 1px;
  height: 32px;
  background: rgba(255,255,255,0.15);
}
@media (max-width: 640px) {
  .reviews-hero-stats {
    gap: 0.85rem;
  }
  .rhs-divider {
    display: none;
  }
  .rhs-item {
    min-width: 45%;
  }
}

/* In-page testimonial section (used on home + service pages) */
.inline-testimonials {
  padding: 4rem 0;
  background: var(--bg);
}
.inline-testimonials .section-head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 2.5rem;
}
.inline-testimonials .section-head .eyebrow {
  color: var(--accent);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  display: block;
  margin-bottom: 0.75rem;
}
.inline-testimonials .section-head h2 {
  margin-bottom: 0.75rem;
}
.inline-testimonials .section-head p {
  color: var(--muted);
  font-size: 1rem;
}
.inline-testimonials-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.25rem;
  max-width: 1100px;
  margin: 0 auto;
}
@media (min-width: 900px) {
  .inline-testimonials-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}
.inline-testimonials-cta {
  text-align: center;
  margin-top: 2rem;
}
.inline-testimonials-cta .btn {
  margin: 0 0.5rem;
}