/* ==========================================================================
   Quick Mortgages — for the armed forces
   Site stylesheet. Shared by every page; page-specific blocks are grouped
   under their own heading at the end.

   All presentation lives here rather than in style="" attributes so the
   Content-Security-Policy can stay at style-src 'self' with no
   'unsafe-inline'. Keep it that way.
   ========================================================================== */

/* --------------------------------------------------------------------------
   0. Self-hosted fonts

   Served from our own origin, not fonts.googleapis.com — that sends every
   visitor's IP to Google on every page load with no consent. Manrope and
   Newsreader are variable fonts, so all five Manrope weights resolve to the
   same file; the rules stay separate per weight so rendering matches what
   Google served. Keep the unicode-range values — they are what stops an
   English page downloading the latin-ext file.
   -------------------------------------------------------------------------- */

@font-face {
  font-family: 'Manrope';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url('../assets/fonts/manrope-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Manrope';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url('../assets/fonts/manrope-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Manrope';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url('../assets/fonts/manrope-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Manrope';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url('../assets/fonts/manrope-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Manrope';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url('../assets/fonts/manrope-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Manrope';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url('../assets/fonts/manrope-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Manrope';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url('../assets/fonts/manrope-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Manrope';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url('../assets/fonts/manrope-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Manrope';
  font-style: normal;
  font-weight: 800;
  font-display: swap;
  src: url('../assets/fonts/manrope-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Manrope';
  font-style: normal;
  font-weight: 800;
  font-display: swap;
  src: url('../assets/fonts/manrope-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Newsreader';
  font-style: italic;
  font-weight: 400;
  font-display: swap;
  src: url('../assets/fonts/newsreader-latin-ext.woff2') format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
@font-face {
  font-family: 'Newsreader';
  font-style: italic;
  font-weight: 400;
  font-display: swap;
  src: url('../assets/fonts/newsreader-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

/* --------------------------------------------------------------------------
   1. Design tokens
   -------------------------------------------------------------------------- */

:root {
  /* Brand — navy */
  --navy-900: #061530;   /* footer */
  --navy-800: #081B38;   /* header, hero, CTA band */
  --navy-600: #0E2C5A;   /* headings, inset panels */

  /* Brand — field green.
     Deliberately muted and desaturated. The audience is tri-service, so
     the palette avoids any single service's colours: khaki or olive drab
     reads Army, sky blue reads RAF. It also stays clear of MOD-adjacent
     branding, which on a regulated broker's site could imply an official
     endorsement that does not exist.
     White on --accent-500 measures 5.23:1, so the primary button passes
     WCAG AA for body text; the teal it replaces managed only 3.18:1. */
  --accent-700: #14503C;   /* link hover */
  --accent-600: #186049;   /* links, icon glyphs */
  --accent-500: #237A5E;   /* primary action */
  --accent-400: #2E9370;   /* primary action hover */
  --accent-200: #9BD3B8;   /* accent on dark */
  --accent-100: #D6F0E3;   /* pulse dot */
  --accent-050: #E8F6EF;   /* icon tile background */

  /* Surfaces and text */
  --surface:      #F5F7FA;
  --surface-card: #FFFFFF;
  --border:       #E1E7F0;
  --ink:          #16233A;
  --ink-muted:    #5A6A85;
  --on-dark:      #E8EEF6;

  /* Translucent accents used repeatedly on dark backgrounds */
  --on-dark-70: rgba(232, 238, 246, .72);
  --on-dark-85: rgba(232, 238, 246, .85);
  --on-dark-60: rgba(232, 238, 246, .60);
  --on-dark-45: rgba(232, 238, 246, .45);
  --accent-hairline: rgba(155, 211, 184, .18);
  --accent-wash:     rgba(155, 211, 184, .14);
  --accent-wash-lg:  rgba(155, 211, 184, .24);

  --font-sans: Manrope, system-ui, -apple-system, "Segoe UI", sans-serif;

  --shell: 1240px;                    /* max content width */
  --gutter: 24px;
  --ease: cubic-bezier(.22, .75, .2, 1);
}

/* --------------------------------------------------------------------------
   2. Base
   -------------------------------------------------------------------------- */

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

html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  background: var(--surface);
  color: var(--ink);
  font-family: var(--font-sans);
  -webkit-font-smoothing: antialiased;
}

a { color: var(--accent-600); text-decoration: none; }
a:hover { color: var(--accent-700); }

img { max-width: 100%; }

::selection { background: var(--accent-200); color: var(--navy-800); }

/* Keyboard focus. Never remove this without providing a replacement. */
:where(a, button, input, textarea, select, summary):focus-visible {
  outline: 3px solid var(--accent-400);
  outline-offset: 3px;
  border-radius: 5px;
}

.skip-link {
  position: absolute;
  top: 0;
  left: -9999px;
  z-index: 100;
  min-height: 44px;
  padding: 15px 20px;
  border-radius: 0 0 10px 0;
  background: #fff;
  color: var(--navy-600);
  font: 700 15px/1 var(--font-sans);
}
.skip-link:focus { left: 0; }

/* Clips the drifting background blobs without creating a scroll container,
   so the sticky header keeps working. `hidden` would break it. */
.page { overflow-x: clip; }

.shell {
  max-width: var(--shell);
  margin-inline: auto;
}
.shell--narrow { max-width: 1000px; }

/* --------------------------------------------------------------------------
   3. Motion
   -------------------------------------------------------------------------- */

@keyframes revealUp {
  from { opacity: 0; transform: translateY(30px); }
  to   { opacity: 1; transform: none; }
}
@keyframes revealIn {
  from { opacity: 0; transform: translateY(14px) scale(.985); }
  to   { opacity: 1; transform: none; }
}
@keyframes driftA {
  0%   { transform: translate(0, 0); }
  50%  { transform: translate(18px, -26px); }
  100% { transform: translate(0, 0); }
}
@keyframes pulseRing {
  0%   { box-shadow: 0 0 0 0    rgba(0, 160, 168, .45); }
  70%  { box-shadow: 0 0 0 14px rgba(0, 160, 168, 0); }
  100% { box-shadow: 0 0 0 0    rgba(0, 160, 168, 0); }
}

/* Above-the-fold reveals run on load. */
.reveal      { animation: revealUp .9s var(--ease) both; }
.reveal--in  { animation: revealIn .7s ease-out both; }
.reveal-d1   { animation-delay: .06s; }
.reveal-d2   { animation-delay: .14s; }
.reveal-d3   { animation-delay: .22s; }

/* Below-the-fold reveals are driven by scroll position where supported.
   Where it is not, the animation simply plays once on load and settles at
   opacity 1 — content is never left invisible. */
.reveal--scroll { animation: revealUp .85s var(--ease) both; }

@supports (animation-timeline: view()) {
  .reveal--scroll {
    animation-timeline: view();
    animation-range: entry 0% cover 28%;
  }
  .reveal--scroll.is-late { animation-range: entry 2% cover 30%; }
}

@media (prefers-reduced-motion: reduce) {
  * {
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .01ms !important;
  }
}

/* --------------------------------------------------------------------------
   4. Shared type
   -------------------------------------------------------------------------- */

.eyebrow {
  display: block;
  font: 700 12.5px/1.4 var(--font-sans);
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--accent-500);
}
.eyebrow--on-dark { color: var(--accent-200); }

.section-title {
  margin: 16px 0 0;
  font: 800 clamp(30px, 3.4vw, 44px)/1.1 var(--font-sans);
  letter-spacing: -.03em;
  color: var(--navy-600);
  text-wrap: balance;
}

.prose {
  margin: 20px 0 0;
  max-width: 60ch;
  font: 500 clamp(16px, 1.25vw, 17.5px)/1.7 var(--font-sans);
  color: var(--ink-muted);
  text-wrap: pretty;
}
.prose + .prose { margin-top: 16px; }

/* Rounded photo frame used throughout. */
.figure {
  overflow: hidden;
  aspect-ratio: 4 / 3;
  border-radius: 20px;
  box-shadow: 0 30px 60px -30px rgba(14, 44, 90, .45);
}
.figure > img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

/* Soft accent radial used behind dark sections. */
.blob {
  position: absolute;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(0, 160, 168, .34), transparent 68%);
  pointer-events: none;
}

/* --------------------------------------------------------------------------
   5. Buttons
   -------------------------------------------------------------------------- */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 18px 32px;
  border-radius: 12px;
  font: 800 16.5px/1 var(--font-sans);
  transition: transform .18s, background .18s, border-color .2s;
}

.btn--primary {
  background: var(--accent-500);
  color: #fff;
  box-shadow: 0 16px 32px -12px rgba(0, 160, 168, .7);
}
.btn--primary:hover {
  background: var(--accent-400);
  color: #fff;
  transform: translateY(-2px);
}

.btn--ghost {
  border: 1px solid rgba(155, 211, 184, .5);
  color: #fff;
}
.btn--ghost:hover {
  background: var(--accent-wash);
  border-color: var(--accent-200);
  color: #fff;
}

/* --------------------------------------------------------------------------
   6. Header
   -------------------------------------------------------------------------- */

.site-header {
  position: sticky;
  top: 0;
  z-index: 60;
  background: rgba(8, 27, 56, .92);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--accent-hairline);
}

.site-header__inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 12px 28px;
  max-width: var(--shell);
  min-height: 78px;
  margin-inline: auto;
  padding: 13px var(--gutter);
}

.brand {
  display: flex;
  flex-shrink: 0;
  align-items: center;
  gap: 14px;
  min-height: 44px;
}
.brand__logo { display: block; height: 30px; width: auto; }
.brand__rule {
  display: block;
  width: 1px;
  height: 26px;
  background: rgba(155, 211, 184, .45);
}
.brand__tag {
  font: 700 13px/1 var(--font-sans);
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--accent-200);
  white-space: nowrap;
}

.nav {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: flex-end;
  gap: 4px 6px;
  margin-left: auto;
}
.nav__link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 44px;
  min-height: 44px;
  padding: 10px 14px;
  border-radius: 9px;
  font: 600 15px/1 var(--font-sans);
  color: var(--on-dark);
  transition: background .2s, color .2s;
}
.nav__link:hover { background: var(--accent-wash); color: #fff; }
.nav__link[aria-current="page"] { background: rgba(155, 211, 184, .16); color: #fff; }
.nav__link[aria-current="page"]:hover { background: var(--accent-wash-lg); }

.phone-cta {
  display: inline-flex;
  flex-shrink: 0;
  align-items: center;
  gap: 10px;
  min-height: 44px;
  padding: 11px 20px;
  border-radius: 10px;
  background: var(--accent-500);
  color: #fff;
  font: 800 15px/1 var(--font-sans);
  transition: transform .18s, background .18s;
}
.phone-cta:hover { background: var(--accent-400); color: #fff; transform: translateY(-1px); }
.phone-cta__dot {
  display: block;
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--accent-100);
  animation: pulseRing 2.4s ease-out infinite;
}

/* --------------------------------------------------------------------------
   7. Sections — shared rhythm
   -------------------------------------------------------------------------- */

.section { padding: clamp(56px, 6.5vw, 100px) var(--gutter); }
.section--surface { background: var(--surface); }
.section--card {
  background: var(--surface-card);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

/* Two-up layout that collapses to a single column below ~740px. */
.split {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(340px, 100%), 1fr));
  gap: clamp(32px, 4vw, 64px);
  max-width: var(--shell);
  margin-inline: auto;
}
.split--top    { align-items: start; }
.split--centre { align-items: center; }

/* --------------------------------------------------------------------------
   8. Page hero
   -------------------------------------------------------------------------- */

.hero {
  position: relative;
  overflow: hidden;
  padding: clamp(56px, 6vw, 92px) var(--gutter) clamp(52px, 6vw, 84px);
  background: var(--navy-800);
}
.hero__blob {
  top: -220px;
  right: -140px;
  width: 520px;
  height: 520px;
  animation: driftA 22s ease-in-out infinite;
}
.hero__inner { position: relative; }

.hero__title {
  margin: 16px 0 0;
  max-width: 19ch;
  font: 800 clamp(38px, 4.8vw, 62px)/1.04 var(--font-sans);
  letter-spacing: -.03em;
  color: #fff;
  text-wrap: balance;
}
.hero__lead {
  margin: 22px 0 0;
  max-width: 58ch;
  font: 500 clamp(16.5px, 1.4vw, 19px)/1.6 var(--font-sans);
  color: var(--on-dark-85);
  text-wrap: pretty;
}

.badges {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 34px;
  padding: 0;
  list-style: none;
}
.badges li {
  display: flex;
  align-items: center;
  gap: 9px;
  padding: 10px 16px;
  border: 1px solid rgba(255, 255, 255, .14);
  border-radius: 11px;
  background: rgba(255, 255, 255, .09);
  font: 700 14px/1.3 var(--font-sans);
  color: #fff;
}
.badges .stars { color: var(--accent-200); }

/* --------------------------------------------------------------------------
   9. "Who we are" — stacked photos + copy + inset panel
   -------------------------------------------------------------------------- */

.photo-stack { display: grid; gap: 20px; }

.panel {
  position: relative;
  overflow: hidden;
  margin-top: 34px;
  padding: 28px 26px;
  border-radius: 20px;
  background: var(--navy-600);
}
.panel__blob {
  top: -140px;
  right: -90px;
  width: 300px;
  height: 300px;
  background: radial-gradient(circle, rgba(0, 160, 168, .35), transparent 68%);
}
.panel__body { position: relative; }
.panel__title {
  margin: 0;
  font: 800 21px/1.3 var(--font-sans);
  letter-spacing: -.01em;
  color: #fff;
}
.panel__text {
  margin: 12px 0 0;
  max-width: 52ch;
  font: 500 15.5px/1.65 var(--font-sans);
  color: rgba(232, 238, 246, .82);
  text-wrap: pretty;
}

/* --------------------------------------------------------------------------
   10. "What we offer" — card grid
   -------------------------------------------------------------------------- */

.section-intro { max-width: 620px; }

.cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(260px, 100%), 1fr));
  gap: 20px;
  margin-top: clamp(32px, 3.5vw, 48px);
  padding: 0;
  list-style: none;
}

.card {
  padding: 30px 26px;
  border: 1px solid var(--border);
  border-radius: 18px;
  background: var(--surface);
  transition: transform .3s var(--ease), box-shadow .3s, border-color .3s;
}
.card:hover {
  transform: translateY(-8px);
  border-color: var(--accent-200);
  box-shadow: 0 24px 44px -22px rgba(14, 44, 90, .35);
}
.card__title {
  margin: 20px 0 0;
  font: 800 19px/1.3 var(--font-sans);
  letter-spacing: -.01em;
  color: var(--navy-600);
}
.card__text {
  margin: 11px 0 0;
  font: 500 15px/1.6 var(--font-sans);
  color: var(--ink-muted);
  text-wrap: pretty;
}

/* Stagger the card reveals so they arrive in sequence, not as a block. */
@supports (animation-timeline: view()) {
  .cards > .card:nth-child(2) { animation-range: entry 0% cover 30%; }
  .cards > .card:nth-child(3) { animation-range: entry 0% cover 33%; }
  .cards > .card:nth-child(4) { animation-range: entry 0% cover 36%; }
}

/* Square tile holding a decorative glyph. */
.icon-tile {
  display: grid;
  place-items: center;
  width: 46px;
  height: 46px;
  border-radius: 13px;
  background: var(--accent-050);
  color: var(--accent-600);
  font: 800 17px/1 var(--font-sans);
}

/* --------------------------------------------------------------------------
   11. "Our commitment" — note callout
   -------------------------------------------------------------------------- */

.note {
  display: flex;
  align-items: flex-start;
  gap: 18px;
  margin-top: 30px;
  padding: 26px 24px;
  border: 1px solid var(--border);
  border-radius: 18px;
  background: var(--surface-card);
}
.note .icon-tile { flex-shrink: 0; width: 44px; height: 44px; }
.note__title {
  margin: 0;
  font: 800 18px/1.3 var(--font-sans);
  color: var(--navy-600);
}
.note__text {
  margin: 10px 0 0;
  max-width: 50ch;
  font: 500 15px/1.65 var(--font-sans);
  color: var(--ink-muted);
  text-wrap: pretty;
}

.commitment__figure {
  border-radius: 22px;
  box-shadow: 0 30px 60px -30px rgba(14, 44, 90, .5);
}

/* Armed Forces Covenant ERS Silver award mark. Supplied on a light background,
   so on the dark footer it sits on its own light chip rather than as a stray
   pale rectangle. */
.ers-badge {
  display: block;
  width: 100%;
  max-width: 340px;
  height: auto;
  margin-top: 22px;
  border-radius: 8px;
}
.ers-chip {
  display: inline-block;
  margin-top: 22px;
  padding: 8px;
  border-radius: 10px;
  background: #fff;
}
.ers-chip img {
  display: block;
  width: 200px;
  max-width: 100%;
  height: auto;
}

/* --------------------------------------------------------------------------
   12. Closing CTA band
   -------------------------------------------------------------------------- */

.cta-band {
  position: relative;
  overflow: hidden;
  background: var(--navy-800);
}
.cta-band__media {
  position: absolute;
  inset: 0;
  background-image: url("../assets/hero-family-boxes.webp");
  background-size: cover;
  background-position: center 42%;
  opacity: .3;
}
.cta-band__scrim {
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(8, 27, 56, .96), rgba(8, 27, 56, .72));
}
.cta-band__inner {
  position: relative;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(340px, 100%), 1fr));
  gap: 40px;
  align-items: center;
  max-width: var(--shell);
  margin-inline: auto;
  padding: clamp(56px, 6vw, 92px) var(--gutter);
}
.cta-band__title {
  margin: 0;
  font: 800 clamp(30px, 3.6vw, 46px)/1.08 var(--font-sans);
  letter-spacing: -.03em;
  color: #fff;
  text-wrap: balance;
}
.cta-band__text {
  margin: 18px 0 0;
  max-width: 44ch;
  font: 500 clamp(16px, 1.3vw, 18.5px)/1.6 var(--font-sans);
  color: rgba(232, 238, 246, .82);
  text-wrap: pretty;
}
.cta-band__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  justify-content: flex-end;
}

/* --------------------------------------------------------------------------
   13. Footer
   -------------------------------------------------------------------------- */

.site-footer {
  padding: clamp(52px, 5vw, 76px) var(--gutter) 34px;
  background: var(--navy-900);
}
.site-footer__cols {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(230px, 100%), 1fr));
  gap: 40px;
}
.site-footer__logo { display: block; height: 26px; width: auto; }
.site-footer__blurb {
  margin: 18px 0 0;
  max-width: 30ch;
  font: 500 14.5px/1.65 var(--font-sans);
  color: var(--on-dark-60);
  text-wrap: pretty;
}
.site-footer h2 {
  margin: 0 0 12px;
  font: 700 12.5px/1.4 var(--font-sans);
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--accent-200);
}
.site-footer address {
  margin: 0;
  font: 500 14.5px/1.65 var(--font-sans);
  font-style: normal;
  color: var(--on-dark-60);
}

.footer-links { display: grid; gap: 2px; padding: 0; list-style: none; }
.footer-links a,
.footer-meta a {
  display: inline-flex;
  align-items: center;
  min-width: 44px;
  min-height: 44px;
  font: 600 14.5px/1.4 var(--font-sans);
  color: rgba(232, 238, 246, .78);
  transition: color .2s;
}
.footer-links a:hover,
.footer-meta a:hover { color: #fff; }

.footer-meta { display: grid; gap: 2px; padding: 0; list-style: none; }
.footer-meta .tel { font: 700 16px/1.4 var(--font-sans); color: #fff; }
.footer-meta .tel:hover { color: var(--accent-200); }
.footer-meta .hours {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  font: 500 14.5px/1.4 var(--font-sans);
  color: var(--on-dark-60);
}

.site-footer__legal {
  display: grid;
  gap: 14px;
  margin-top: 44px;
  padding-top: 26px;
  border-top: 1px solid rgba(155, 211, 184, .16);
}
.site-footer__legal p { margin: 0; }

.footer-legal-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0 26px;
  margin: 0 0 4px;
  padding: 0;
  list-style: none;
}
.footer-legal-links a {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  font: 700 14px/1.4 var(--font-sans);
  color: var(--accent-200);
  transition: color .2s;
}
.footer-legal-links a:hover { color: #fff; }
.footer-legal-links span {
  margin-left: 6px;
  font-weight: 500;
  color: var(--on-dark-45);
}
.legal-warning {
  max-width: 80ch;
  font: 600 13px/1.6 var(--font-sans);
  color: var(--on-dark-70);
}
.legal-small {
  max-width: 100ch;
  font: 500 12.5px/1.7 var(--font-sans);
  color: var(--on-dark-45);
  text-wrap: pretty;
}

/* ==========================================================================
   HOME PAGE
   ========================================================================== */

/* --------------------------------------------------------------------------
   H1. Extra motion
   -------------------------------------------------------------------------- */

@keyframes growLine {
  from { transform: scaleX(0); }
  to   { transform: scaleX(1); }
}
@keyframes heroPan {
  from { transform: scale(1.02) translate3d(0, 0, 0); }
  to   { transform: scale(1.12) translate3d(-1.5%, -1%, 0); }
}
@keyframes driftB {
  0%   { transform: translate(0, 0); }
  50%  { transform: translate(-22px, 18px); }
  100% { transform: translate(0, 0); }
}

/* --------------------------------------------------------------------------
   H2. Full-bleed photo hero
   -------------------------------------------------------------------------- */

.hero-home {
  position: relative;
  overflow: hidden;
  padding: clamp(48px, 7vw, 104px) var(--gutter) clamp(56px, 7vw, 104px);
  background: var(--navy-800);
}
.hero-home__media {
  position: absolute;
  inset: 0;
  background-image: url("../assets/hero-family-boxes.webp");
  background-size: cover;
  background-position: center 42%;
  animation: heroPan 26s ease-in-out infinite alternate;
}
.hero-home__scrim {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(to top, rgba(8, 27, 56, .85), transparent 45%),
    linear-gradient(100deg,
      rgba(8, 27, 56, .95) 0%,
      rgba(8, 27, 56, .86) 38%,
      rgba(14, 44, 90, .42) 68%,
      rgba(14, 44, 90, .28) 100%);
}
.hero-home__grid {
  position: relative;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(470px, 100%), 1fr));
  gap: clamp(32px, 4vw, 72px);
  align-items: center;
  max-width: var(--shell);
  margin-inline: auto;
}
.hero-home__title {
  margin: 22px 0 0;
  font: 800 clamp(42px, 5.4vw, 72px)/1.02 var(--font-sans);
  letter-spacing: -.03em;
  color: #fff;
  text-wrap: balance;
}
.hero-home__title .accent { color: var(--accent-200); }
.hero-home__lead {
  margin: 24px 0 0;
  max-width: 34ch;
  font: 500 clamp(17px, 1.5vw, 21px)/1.55 var(--font-sans);
  color: rgba(232, 238, 246, .9);
  text-wrap: pretty;
}
.hero-home .badges { margin-top: 32px; }

/* Pill with a dot, above the headline. */
.pill {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 8px 16px 8px 12px;
  border: 1px solid rgba(155, 211, 184, .4);
  border-radius: 999px;
  background: rgba(155, 211, 184, .1);
  font: 700 12.5px/1.4 var(--font-sans);
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--accent-200);
}
.pill::before {
  content: "";
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--accent-200);
}

/* --------------------------------------------------------------------------
   H3. Enquiry form
   -------------------------------------------------------------------------- */

.enquiry-card {
  width: 100%;
  padding: clamp(24px, 2.4vw, 32px);
  border-radius: 22px;
  background: #fff;
  box-shadow: 0 40px 80px -28px rgba(0, 0, 0, .55);
}
.enquiry-card__title {
  margin: 0;
  font: 800 25px/1.15 var(--font-sans);
  letter-spacing: -.02em;
  color: var(--navy-600);
}
.enquiry-card__intro {
  margin: 9px 0 22px;
  font: 500 14.5px/1.5 var(--font-sans);
  color: var(--ink-muted);
}
.enquiry-form { display: grid; gap: 15px; }
.field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 13px;
}

.field { display: flex; flex-direction: column; gap: 6px; }
.field__label {
  font: 700 12.5px/1.4 var(--font-sans);
  letter-spacing: .02em;
  color: var(--navy-600);
}
.field__input {
  width: 100%;
  padding: 13px 14px;
  border: 1px solid #D5DEEA;
  border-radius: 10px;
  background: #fff;
  font: 500 15px/1.4 var(--font-sans);
  color: var(--ink);
  transition: border-color .2s, box-shadow .2s;
}
select.field__input { appearance: none; }
.field__input:focus {
  outline: none;
  border-color: var(--accent-500);
  box-shadow: 0 0 0 3px rgba(0, 160, 168, .16);
}
/* Keyboard users still get the ring; the box-shadow above is the visual focus. */
.field__input:focus-visible { outline: none; }
::placeholder { color: #9AA8BC; }

/* Invalid field. Visible without relying on colour alone — the colour is
   always paired with the text in .field__error. */
.field__input[aria-invalid="true"] { border-color: #C32B2A; }

.field__error {
  display: block;
  font: 600 12px/1.4 var(--font-sans);
  color: #C32B2A;
}
.field__req { color: #C32B2A; }

.form-error {
  margin: 0;
  font: 600 13px/1.4 var(--font-sans);
  color: #C32B2A;
}

.form-submit {
  width: 100%;
  padding: 17px;
  border: none;
  border-radius: 12px;
  background: var(--accent-500);
  color: #fff;
  font: 800 16.5px/1 var(--font-sans);
  cursor: pointer;
  box-shadow: 0 14px 28px -10px rgba(0, 160, 168, .65);
  transition: transform .18s, box-shadow .18s, background .18s;
}
.form-submit:hover:not(:disabled) {
  background: var(--accent-400);
  transform: translateY(-2px);
  box-shadow: 0 20px 34px -12px rgba(0, 160, 168, .7);
}
.form-submit:active { transform: translateY(0); }
.form-submit:disabled { opacity: .75; cursor: default; }

.form-note {
  margin: 2px 0 0;
  font: 500 12.5px/1.5 var(--font-sans);
  color: #7C8AA0;
  text-align: center;
}

/* Positioned off-screen rather than display:none — some bots skip fields that
   are display:none, and this way it stays an ordinary field in the
   accessibility tree. aria-hidden + tabindex="-1" keep real users away. */
.honeypot {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

/* Inline acknowledgement swapped in after a successful send. */
.enquiry-sent {
  padding: 18px 6px;
  animation: revealIn .5s ease-out both;
}
.enquiry-sent__tick {
  display: grid;
  place-items: center;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--accent-050);
  color: var(--accent-600);
  font: 800 26px/1 var(--font-sans);
}
.enquiry-sent h2 {
  margin: 18px 0 0;
  font: 800 25px/1.15 var(--font-sans);
  letter-spacing: -.02em;
  color: var(--navy-600);
}
.enquiry-sent p {
  margin: 10px 0 0;
  font: 500 15px/1.6 var(--font-sans);
  color: var(--ink-muted);
}
.enquiry-sent a { font-weight: 700; }

.hero-home__disclaimer {
  margin: 16px 0 0;
  font: 500 12px/1.5 var(--font-sans);
  color: var(--on-dark-60);
}

/* --------------------------------------------------------------------------
   H4. Stats band
   -------------------------------------------------------------------------- */

.stats {
  background: #fff;
  border-bottom: 1px solid var(--border);
}
.stats__grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 28px;
  max-width: var(--shell);
  margin-inline: auto;
  padding: clamp(36px, 4vw, 56px) var(--gutter);
}
.stat__figure {
  display: flex;
  align-items: baseline;
  font: 800 clamp(34px, 3.6vw, 46px)/1 var(--font-sans);
  letter-spacing: -.03em;
  color: var(--navy-600);
}
/* Spacing goes on the stars, not as a flex gap — otherwise the "Whole." stat
   gets a gap in front of its full stop. */
.stat__figure .stars {
  margin-left: 8px;
  font: 700 15px/1 var(--font-sans);
  color: var(--accent-500);
}
.stat__figure .dot { color: var(--accent-500); }
.stat__label {
  margin: 9px 0 0;
  font: 600 14.5px/1.4 var(--font-sans);
  color: var(--ink-muted);
}
.stat__label strong { color: var(--navy-600); font-weight: 600; }

/* --------------------------------------------------------------------------
   H5. Sections with the taller home rhythm
   -------------------------------------------------------------------------- */

.section--tall { padding: clamp(64px, 7vw, 110px) var(--gutter); }

.section-title--lg {
  font-size: clamp(32px, 3.8vw, 50px);
  line-height: 1.08;
}
.section-title--on-dark { color: #fff; }

.section-lead {
  margin: 18px 0 0;
  font: 500 clamp(16px, 1.3vw, 18.5px)/1.6 var(--font-sans);
  color: var(--ink-muted);
  text-wrap: pretty;
}

/* White cards on the light-grey section (the inverse of the About page). */
.card--invert { background: #fff; }
.card--invert .card__title { font-size: 20px; line-height: 1.25; }

.cards--wide { grid-template-columns: repeat(auto-fit, minmax(min(270px, 100%), 1fr)); }

.section-head {
  display: flex;
  flex-wrap: wrap;
  align-items: end;
  justify-content: space-between;
  gap: 24px;
}
.link-arrow {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  padding-bottom: 2px;
  border-bottom: 2px solid var(--accent-200);
  font: 700 15.5px/1.4 var(--font-sans);
  color: var(--accent-600);
  transition: border-color .2s, color .2s;
}
.link-arrow:hover { border-color: var(--accent-500); color: var(--accent-700); }

/* --------------------------------------------------------------------------
   H6. How it works — numbered steps
   -------------------------------------------------------------------------- */

/* Pair with .section or .section--tall for padding. */
.section--navy {
  position: relative;
  overflow: hidden;
  background: var(--navy-600);
}
.section--navy .blob {
  top: -160px;
  left: -100px;
  width: 420px;
  height: 420px;
  background: radial-gradient(circle, rgba(0, 160, 168, .28), transparent 68%);
  animation: driftA 22s ease-in-out infinite;
}

.steps-wrap { position: relative; margin-top: clamp(40px, 4.5vw, 60px); }

/* The rule that runs behind the numbers. */
.steps-wrap::before {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  top: 29px;
  height: 2px;
  background: linear-gradient(90deg, var(--accent-500), rgba(155, 211, 184, .25));
  transform-origin: left;
  animation: growLine 1.4s var(--ease) both;
}
@supports (animation-timeline: view()) {
  .steps-wrap::before {
    animation-timeline: view();
    animation-range: entry 0% cover 40%;
  }
}

.steps {
  position: relative;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(260px, 100%), 1fr));
  gap: 32px;
  padding: 0;
  list-style: none;
}
.step__num {
  display: grid;
  place-items: center;
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: var(--accent-500);
  color: #fff;
  font: 800 24px/1 var(--font-sans);
  /* Punches a hole in the connecting rule behind it. */
  box-shadow: 0 0 0 8px var(--navy-600);
}
.step__title {
  margin: 22px 0 0;
  font: 800 21px/1.25 var(--font-sans);
  letter-spacing: -.01em;
  color: #fff;
}
.step__text {
  margin: 11px 0 0;
  max-width: 32ch;
  font: 500 15.5px/1.65 var(--font-sans);
  color: rgba(232, 238, 246, .75);
  text-wrap: pretty;
}

/* --------------------------------------------------------------------------
   H7. Service cards with photo headers
   -------------------------------------------------------------------------- */

.service-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(300px, 100%), 1fr));
  gap: 24px;
  margin-top: clamp(32px, 3.5vw, 48px);
  padding: 0;
  list-style: none;
}
.service-card {
  overflow: hidden;
  border: 1px solid var(--border);
  border-radius: 20px;
  background: #fff;
  transition: transform .35s var(--ease), box-shadow .35s;
}
.service-card:hover {
  transform: translateY(-10px);
  box-shadow: 0 30px 54px -26px rgba(14, 44, 90, .4);
}
.service-card__media {
  height: 210px;
  background-size: cover;
  background-position: center;
}
.service-card__media--ftb  { background-image: url("../assets/couple-newbuild.webp"); }
.service-card__media--remo { background-image: url("../assets/family-athome.jpg"); }
.service-card__media--btl  { background-image: url("../assets/properties-flat.webp"); }
.service-card__body { padding: 28px 26px 32px; }
.service-card__title {
  margin: 0;
  font: 800 22px/1.2 var(--font-sans);
  letter-spacing: -.02em;
  color: var(--navy-600);
}
.service-card__text {
  margin: 12px 0 0;
  font: 500 15px/1.6 var(--font-sans);
  color: var(--ink-muted);
  text-wrap: pretty;
}
.service-card__link {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  margin-top: 12px;
  font: 700 14.5px/1.4 var(--font-sans);
  color: var(--accent-600);
}

/* --------------------------------------------------------------------------
   H8. Testimonials
   -------------------------------------------------------------------------- */

.quotes {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(290px, 100%), 1fr));
  gap: 22px;
  margin-top: clamp(32px, 3.5vw, 48px);
  padding: 0;
  list-style: none;
}
.quote {
  display: flex;
  flex-direction: column;
  gap: 18px;
  margin: 0;
  padding: 32px 28px;
  border: 1px solid var(--border);
  border-radius: 20px;
  background: var(--surface);
  transition: transform .3s, box-shadow .3s;
}
.quote:hover {
  transform: translateY(-6px);
  box-shadow: 0 22px 40px -24px rgba(14, 44, 90, .35);
}
.quote__stars {
  font: 700 16px/1 var(--font-sans);
  letter-spacing: .08em;
  color: var(--accent-500);
}
.quote blockquote {
  margin: 0;
  font: italic 400 20px/1.5 Newsreader, Georgia, serif;
  color: var(--ink);
  text-wrap: pretty;
}
.quote figcaption {
  margin-top: auto;
  font: 700 14px/1.4 var(--font-sans);
  color: var(--navy-600);
}
.quote figcaption span { font-weight: 500; color: var(--ink-muted); }

/* --------------------------------------------------------------------------
   H9. FAQ
   -------------------------------------------------------------------------- */

.faq {
  margin-top: clamp(30px, 3.5vw, 44px);
  border-top: 1px solid #DDE4EE;
}
.faq details { border-bottom: 1px solid #DDE4EE; }
.faq summary {
  display: flex;
  align-items: center;
  gap: 18px;
  padding: 24px 4px;
  cursor: pointer;
  font: 700 clamp(16.5px, 1.5vw, 18.5px)/1.4 var(--font-sans);
  color: var(--navy-600);
  list-style: none;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary:focus-visible { outline: 3px solid var(--accent-400); outline-offset: 2px; }

.fq-chev {
  display: grid;
  place-items: center;
  flex-shrink: 0;
  width: 26px;
  height: 26px;
  border-radius: 8px;
  background: var(--accent-050);
  color: var(--accent-600);
  font: 800 15px/1 var(--font-sans);
  transition: transform .3s var(--ease);
}
.faq details[open] .fq-chev { transform: rotate(45deg); }

.faq p {
  margin: 0 0 26px 62px;
  font: 500 16px/1.7 var(--font-sans);
  color: var(--ink-muted);
  text-wrap: pretty;
  animation: revealIn .4s ease-out both;
}

/* --------------------------------------------------------------------------
   H10. Home closing band
   -------------------------------------------------------------------------- */

.cta-band__media--livingroom {
  background-image: url("../assets/family-livingroom.jpg");
  background-position: center 40%;
  opacity: .32;
}
.cta-band__inner--tall { padding-block: clamp(60px, 7vw, 104px); }

/* ==========================================================================
   TEAM PAGE
   ========================================================================== */

.team-section { padding: clamp(56px, 6vw, 96px) var(--gutter) clamp(64px, 7vw, 110px); }

.team-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(230px, 100%), 1fr));
  gap: clamp(28px, 3vw, 44px) 24px;
  max-width: var(--shell);
  margin-inline: auto;
  padding: 0;
  list-style: none;
}

.person {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.person__photo,
.person__initials {
  display: grid;
  place-items: center;
  width: 100%;
  max-width: 230px;
  aspect-ratio: 1;
  overflow: hidden;
  border-radius: 50%;
  box-shadow: 0 18px 34px -22px rgba(14, 44, 90, .45);
  transition: transform .35s var(--ease), box-shadow .35s;
}
.person__photo {
  background: var(--accent-050);
  border: 1px solid var(--border);
}
.person:hover .person__photo,
.person:hover .person__initials {
  transform: translateY(-6px) scale(1.02);
  box-shadow: 0 26px 46px -22px rgba(14, 44, 90, .5);
}

.person__photo img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  /* Faces sit high in most of these portraits, so each one gets its own
     vertical crop point rather than defaulting to dead centre. */
  object-position: center var(--photo-y, center);
}
.py-18 { --photo-y: 18%; }
.py-20 { --photo-y: 20%; }
.py-22 { --photo-y: 22%; }
.py-25 { --photo-y: 25%; }
.py-30 { --photo-y: 30%; }
.py-35 { --photo-y: 35%; }

/* Stand-in for anyone without a portrait yet. */
.person__initials {
  background: linear-gradient(150deg, var(--navy-600), var(--accent-600));
  font: 800 46px/1 var(--font-sans);
  letter-spacing: .02em;
  color: var(--accent-200);
}

.person__name {
  margin: 22px 0 0;
  font: 800 18px/1.25 var(--font-sans);
  letter-spacing: .02em;
  text-transform: uppercase;
  color: var(--navy-600);
}
.person__role {
  margin: 8px 0 0;
  max-width: 22ch;
  font: 600 14px/1.45 var(--font-sans);
  color: var(--accent-600);
  text-wrap: balance;
}

/* Small icon + copy rows, used beside "One named adviser, start to finish". */
.tile-list { display: grid; gap: 16px; padding: 0; list-style: none; }
.tile {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 22px 24px;
  border: 1px solid var(--border);
  border-radius: 16px;
  background: var(--surface);
}
.tile__icon {
  display: grid;
  place-items: center;
  flex-shrink: 0;
  width: 38px;
  height: 38px;
  border-radius: 11px;
  background: var(--accent-050);
  color: var(--accent-600);
  font: 800 16px/1 var(--font-sans);
}
.tile__title {
  margin: 0;
  font: 800 17px/1.3 var(--font-sans);
  color: var(--navy-600);
}
.tile__title a {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  color: var(--accent-600);
}
.tile__title a:hover { color: var(--accent-700); }
.tile__text {
  margin: 7px 0 0;
  font: 500 14.5px/1.6 var(--font-sans);
  color: var(--ink-muted);
  text-wrap: pretty;
}

/* ==========================================================================
   SERVICES PAGE
   ========================================================================== */

/* Jump links to the four service sections, sitting in the hero. */
.chips {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 32px;
  padding: 0;
  list-style: none;
}
.chip {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  padding: 11px 20px;
  border: 1px solid rgba(255, 255, 255, .16);
  border-radius: 999px;
  background: rgba(255, 255, 255, .09);
  color: var(--on-dark);
  font: 700 14.5px/1.4 var(--font-sans);
  transition: background .2s, border-color .2s, color .2s;
}
.chip:hover {
  background: var(--accent-wash);
  border-color: var(--accent-200);
  color: #fff;
}

.split--wide { grid-template-columns: repeat(auto-fit, minmax(min(360px, 100%), 1fr)); }

.section-title--md {
  font-size: clamp(30px, 3.6vw, 46px);
  line-height: 1.08;
}
.prose--tight { max-width: 50ch; margin-top: 18px; line-height: 1.65; }

.figure--lg {
  border-radius: 22px;
  box-shadow: 0 30px 60px -30px rgba(14, 44, 90, .5);
}

/* Ticked feature list inside each service block. */
.tick-list {
  display: grid;
  gap: 12px;
  margin: 26px 0 0;
  padding: 0;
  list-style: none;
}
.tick-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font: 500 15.5px/1.6 var(--font-sans);
  color: var(--ink-muted);
}
.tick-list li::before {
  content: "✓";
  display: grid;
  place-items: center;
  flex-shrink: 0;
  width: 22px;
  height: 22px;
  margin-top: 2px;
  border-radius: 7px;
  background: var(--accent-050);
  color: var(--accent-600);
  font: 800 12px/1 var(--font-sans);
}

.btn--sm {
  margin-top: 28px;
  padding: 15px 28px;
  font-size: 15.5px;
  box-shadow: 0 14px 28px -12px rgba(0, 160, 168, .65);
}

/* Protection — cards on the deep navy band. */
.panel-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(260px, 100%), 1fr));
  gap: 20px;
  margin-top: clamp(32px, 4vw, 52px);
  padding: 0;
  list-style: none;
}
.panel-card {
  padding: 28px 26px;
  border: 1px solid rgba(155, 211, 184, .22);
  border-radius: 18px;
  background: rgba(255, 255, 255, .06);
}
.panel-card h3 {
  margin: 0;
  font: 800 19px/1.3 var(--font-sans);
  color: #fff;
}
.panel-card p {
  margin: 11px 0 0;
  font: 500 15px/1.6 var(--font-sans);
  color: rgba(232, 238, 246, .75);
  text-wrap: pretty;
}

.legal-note {
  margin: 26px 0 0;
  max-width: 76ch;
  font: 500 13.5px/1.7 var(--font-sans);
  color: rgba(232, 238, 246, .5);
}

/* "The same standard on every case" — compact cards. */
.mini-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(250px, 100%), 1fr));
  gap: 20px;
  margin-top: clamp(32px, 3.5vw, 48px);
  padding: 0;
  list-style: none;
}
.mini-card {
  padding: 26px 24px;
  border: 1px solid var(--border);
  border-radius: 18px;
  background: var(--surface);
}
.mini-card h3 {
  margin: 0;
  font: 800 18px/1.3 var(--font-sans);
  color: var(--navy-600);
}
.mini-card p {
  margin: 10px 0 0;
  font: 500 14.5px/1.6 var(--font-sans);
  color: var(--ink-muted);
  text-wrap: pretty;
}

.cta-band__media--newhome {
  background-image: url("../assets/newhome.jpg");
  background-position: center 45%;
  opacity: .3;
}

/* ==========================================================================
   CONTACT PAGE
   ========================================================================== */

.contact-hero { padding-bottom: clamp(56px, 7vw, 104px); }

/* Call / email / address, on the dark hero. */
.contact-methods {
  display: grid;
  gap: 14px;
  margin: 36px 0 0;
  padding: 0;
  list-style: none;
}
.contact-method {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 20px 22px;
  border: 1px solid rgba(155, 211, 184, .24);
  border-radius: 16px;
  background: rgba(255, 255, 255, .07);
  transition: background .2s, border-color .2s;
}
a.contact-method:hover {
  background: var(--accent-wash);
  border-color: var(--accent-200);
}
.contact-method--block { align-items: flex-start; }
.contact-method__icon {
  display: grid;
  place-items: center;
  flex-shrink: 0;
  width: 42px;
  height: 42px;
  border-radius: 12px;
  background: rgba(155, 211, 184, .16);
  color: var(--accent-200);
  font: 800 18px/1 var(--font-sans);
}
.contact-method__label {
  display: block;
  font: 700 11.5px/1.4 var(--font-sans);
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--accent-200);
}
.contact-method__value {
  display: block;
  margin-top: 5px;
  font: 800 21px/1.3 var(--font-sans);
  color: #fff;
  /* info@quickmortgages.com is wider than a 375px card at this size. */
  overflow-wrap: anywhere;
}
.contact-method p {
  margin: 5px 0 0;
  font: 500 15px/1.6 var(--font-sans);
  color: var(--on-dark-85);
}
.contact-method p + p {
  margin-top: 8px;
  font-size: 14px;
  color: var(--on-dark-60);
}

/* "No hard sell" — numbered next steps. */
.next-steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(260px, 100%), 1fr));
  gap: 24px;
  margin-top: clamp(32px, 3.5vw, 48px);
  padding: 0;
  list-style: none;
}
.next-step__num {
  display: grid;
  place-items: center;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--accent-050);
  color: var(--accent-600);
  font: 800 21px/1 var(--font-sans);
}
.next-step h3 {
  margin: 20px 0 0;
  font: 800 19px/1.3 var(--font-sans);
  color: var(--navy-600);
}
.next-step p {
  margin: 11px 0 0;
  font: 500 15px/1.6 var(--font-sans);
  color: var(--ink-muted);
  text-wrap: pretty;
}

/* Opening-hours rows. */
.hours-list {
  margin: 26px 0 0;
  padding: 0;
  max-width: 380px;
  list-style: none;
}
/* Each dt/dd pair is wrapped in a div — a <dl> may not contain <li>. */
.hours-list > div {
  display: flex;
  justify-content: space-between;
  gap: 20px;
  padding: 14px 0;
  border-bottom: 1px solid #DDE4EE;
}
.hours-list dt { font: 700 15px/1.4 var(--font-sans); color: var(--navy-600); }
.hours-list dd { margin: 0; font: 500 15px/1.4 var(--font-sans); color: var(--ink-muted); }

.map-note {
  margin: 18px 0 0;
  max-width: 44ch;
  font: 500 14.5px/1.6 var(--font-sans);
  color: #7C8AA0;
  text-wrap: pretty;
}

.map-frame {
  overflow: hidden;
  aspect-ratio: 16 / 10;
  border-radius: 22px;
  box-shadow: 0 30px 60px -30px rgba(14, 44, 90, .45);
}
.map-frame iframe {
  display: block;
  width: 100%;
  height: 100%;
  border: 0;
  filter: saturate(.85);
}

/* On the contact page the form card sits on dark, so it needs no extra
   shadow work — but it does need to not inherit the hero's tight width. */
.contact-form-col { width: 100%; }

/* --------------------------------------------------------------------------
   14. Narrow screens
   -------------------------------------------------------------------------- */

@media (max-width: 560px) {
  :root { --gutter: 18px; }

  /* Without this the wordmark plus the "for the armed forces" tag overflow 375px
     and the whole page scrolls sideways. */
  .brand { gap: 10px; }
  .brand__logo { height: 24px; }
  .brand__tag { font-size: 11px; letter-spacing: .1em; }

  /* The nav wraps onto two rows here, which makes the header roughly 400px
     tall. Pinned, that swallows half of a 375x812 viewport, so let it scroll
     away instead. */
  .site-header { position: static; }

  .site-header__inner { gap: 10px 16px; }
  .nav { margin-left: 0; justify-content: flex-start; }
  .nav__link { padding: 10px 11px; }

  .phone-cta { width: 100%; justify-content: center; }

  .btn { width: 100%; padding: 16px 24px; }
  .cta-band__actions { justify-content: stretch; }

  .note { flex-direction: column; gap: 14px; }

  /* Two-up name fields are too cramped to type into at this width. */
  .field-row { grid-template-columns: 1fr; }

  .section-head { align-items: flex-start; }
  .faq p { margin-left: 0; }

  .contact-method { padding: 18px; gap: 14px; }
  .contact-method__value { font-size: 17px; }
}