/* ==========================================================================
   MDJ Mortgages — design system
   Ink & gold, editorial serif + clean grotesk.
   ========================================================================== */

:root {
  --ink: #0f0d0b;
  --ink-2: #17140f;
  --ink-3: #221d17;
  --line-dark: rgba(232, 208, 160, 0.14);
  --gold: #c9a25a;
  --gold-2: #e6cf98;
  --gold-3: #a77e38;
  --gold-grad: linear-gradient(120deg, #a77e38 0%, #e6cf98 45%, #c9a25a 70%, #a77e38 100%);
  --paper: #fbf8f2;
  --ivory: #f4eee3;
  --sand: #e9e0cf;
  --text: #1b1712;
  --muted: #6b6257;
  --muted-light: #b9ad99;
  --line: #e4dac8;
  --white: #fff;
  --success: #2f7d5b;
  --danger: #b4452f;

  --serif: "Fraunces", "Iowan Old Style", Georgia, serif;
  --sans: "Manrope", system-ui, -apple-system, "Segoe UI", sans-serif;

  --radius: 18px;
  --radius-lg: 28px;
  --shadow: 0 1px 2px rgba(15, 13, 11, .04), 0 12px 32px -12px rgba(15, 13, 11, .18);
  --shadow-lg: 0 30px 80px -30px rgba(15, 13, 11, .45);
  --container: 1220px;
  --gutter: clamp(16px, 4vw, 40px);
  --ease: cubic-bezier(.2, .7, .2, 1);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.65;
  color: var(--text);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; color: inherit; }
::selection { background: var(--gold-2); color: var(--ink); }
:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; border-radius: 6px; }

.container { width: 100%; max-width: var(--container); margin-inline: auto; padding-inline: var(--gutter); }
.skip-link { position: absolute; left: -999px; top: 8px; background: var(--gold); color: var(--ink); padding: 10px 16px; border-radius: 8px; z-index: 999; }
.skip-link:focus { left: 8px; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* ---------- Type ---------- */
h1, h2, h3, h4 { font-family: var(--serif); font-weight: 400; line-height: 1.08; letter-spacing: -0.015em; margin: 0 0 .5em; font-variation-settings: "SOFT" 50, "opsz" 120; }
h1 { font-size: clamp(2.6rem, 6.2vw, 5.2rem); }
h2 { font-size: clamp(2rem, 4.2vw, 3.4rem); }
h3 { font-size: clamp(1.35rem, 2vw, 1.7rem); line-height: 1.2; }
h4 { font-size: 1.15rem; line-height: 1.3; }
p { margin: 0 0 1.1em; }
em.gold, .gold-text {
  font-style: italic;
  background: var(--gold-grad);
  -webkit-background-clip: text; background-clip: text;
  color: transparent;
}
.eyebrow {
  display: inline-flex; align-items: center; gap: 12px;
  font-size: .76rem; font-weight: 700; letter-spacing: .22em; text-transform: uppercase;
  color: var(--gold-3); margin-bottom: 20px;
}
.eyebrow::before { content: ""; width: 28px; height: 1px; background: currentColor; }
.dark .eyebrow { color: var(--gold); }
.lead { font-size: clamp(1.08rem, 1.4vw, 1.25rem); color: var(--muted); max-width: 60ch; }
.dark .lead { color: var(--muted-light); }
.center { text-align: center; }
.center .lead { margin-inline: auto; }
.center .eyebrow::after { content: ""; width: 28px; height: 1px; background: currentColor; }

/* ---------- Buttons ---------- */
.btn {
  --bg: var(--ink); --fg: var(--paper);
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 15px 26px; border-radius: 999px; border: 1px solid transparent;
  background: var(--bg); color: var(--fg);
  font-weight: 700; font-size: .95rem; letter-spacing: .01em; cursor: pointer;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), background .3s, color .3s, border-color .3s;
  white-space: nowrap;
}
.btn svg { width: 18px; height: 18px; transition: transform .35s var(--ease); }
.btn:hover { transform: translateY(-2px); box-shadow: 0 14px 30px -12px rgba(15, 13, 11, .5); }
.btn:hover svg { transform: translateX(3px); }
.btn-gold { background: var(--gold-grad); background-size: 200% 100%; color: var(--ink); background-position: 0% 0; }
.btn-gold:hover { background-position: 100% 0; box-shadow: 0 16px 36px -14px rgba(201, 162, 90, .8); }
.btn-ghost { background: transparent; color: var(--text); border-color: var(--line); }
.btn-ghost:hover { border-color: var(--text); }
.dark .btn-ghost { color: var(--paper); border-color: rgba(255,255,255,.22); }
.dark .btn-ghost:hover { border-color: var(--gold); color: var(--gold-2); }
.btn[hidden] { display: none; }
.btn-sm { padding: 10px 18px; font-size: .86rem; }
.btn-block { width: 100%; }
.link-arrow { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; font-size: .92rem; color: var(--text); border-bottom: 1px solid var(--gold); padding-bottom: 2px; }
.link-arrow svg { width: 16px; height: 16px; transition: transform .3s var(--ease); }
.link-arrow:hover svg { transform: translateX(4px); }
.dark .link-arrow { color: var(--gold-2); }

/* ---------- Top bar & header ---------- */
.topbar { background: var(--ink); color: var(--muted-light); font-size: .82rem; border-bottom: 1px solid var(--line-dark); }
.topbar .container { display: flex; justify-content: space-between; align-items: center; gap: 16px; min-height: 42px; }
.topbar a:hover { color: var(--gold-2); }
.topbar-left, .topbar-right { display: flex; gap: 22px; align-items: center; }
.topbar svg { width: 14px; height: 14px; color: var(--gold); }
.topbar-item { display: inline-flex; gap: 8px; align-items: center; }
.stars { color: var(--gold); letter-spacing: 2px; }

.header { position: sticky; top: 0; z-index: 50; background: rgba(15, 13, 11, .92); backdrop-filter: saturate(140%) blur(14px); -webkit-backdrop-filter: saturate(140%) blur(14px); color: var(--paper); border-bottom: 1px solid var(--line-dark); transition: background .3s; }
.header .container { display: flex; align-items: center; justify-content: space-between; gap: 24px; height: 78px; }
.logo { display: inline-flex; align-items: center; gap: 12px; }
.logo-mark { width: 44px; height: 44px; border-radius: 12px; display: grid; place-items: center; background: var(--gold-grad); color: var(--ink); font-family: var(--serif); font-weight: 600; font-size: .86rem; letter-spacing: 0; box-shadow: inset 0 0 0 1px rgba(255,255,255,.35); }
.logo-text { display: flex; flex-direction: column; line-height: 1; white-space: nowrap; }
.logo-text strong { font-family: var(--serif); font-weight: 500; font-size: 1.3rem; letter-spacing: -.01em; }
.logo-text span { font-size: .64rem; letter-spacing: .32em; text-transform: uppercase; color: var(--gold); margin-top: 5px; }

.nav { display: flex; align-items: center; gap: 4px; }
.nav > .nav-item { position: relative; }
.nav-link { white-space: nowrap; display: inline-flex; align-items: center; gap: 6px; padding: 10px 14px; font-size: .92rem; font-weight: 600; color: rgba(251,248,242,.82); border-radius: 999px; transition: color .25s, background .25s; background: none; border: 0; cursor: pointer; }
.nav-link svg { width: 14px; height: 14px; transition: transform .3s; }
.nav-link:hover, .nav-item:focus-within > .nav-link { color: var(--white); background: rgba(255,255,255,.06); }
.nav-link[aria-current="page"] { color: var(--gold-2); }
.nav-item:hover .nav-link svg, .nav-item:focus-within .nav-link svg { transform: rotate(180deg); }

.header .container { position: relative; }
.nav > .nav-item.has-mega { position: static; }
.mega { position: absolute; top: calc(100% + 1px); left: 50%; width: min(860px, calc(100vw - 32px)); transform: translate(-50%, 10px); background: var(--ink-2); border: 1px solid var(--line-dark); border-radius: 0 0 22px 22px; padding: 16px; box-shadow: var(--shadow-lg); opacity: 0; visibility: hidden; transition: opacity .3s var(--ease), transform .3s var(--ease), visibility .3s; display: grid; grid-template-columns: minmax(0, 1fr) 248px; gap: 16px; }
.mega::before { content: ""; position: absolute; left: 0; right: 0; top: -20px; height: 20px; }
.nav-item:hover .mega, .nav-item:focus-within .mega { opacity: 1; visibility: visible; transform: translate(-50%, 0); }
.mega-links { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 4px; align-content: start; }
.mega-link { display: flex; align-items: center; gap: 14px; min-height: 76px; padding: 14px; border-radius: 14px; transition: background .25s; }
.mega-link:hover { background: rgba(255,255,255,.05); }
.mega-link .mega-icon { flex: none; width: 44px; height: 44px; border-radius: 12px; display: flex; align-items: center; justify-content: center; background: rgba(201,162,90,.12); color: var(--gold); transition: background .25s, color .25s; }
.mega-link:hover .mega-icon { background: var(--gold-grad); color: var(--ink); }
.mega-link .mega-icon svg { width: 20px; height: 20px; display: block; }
.mega-text { display: flex; flex-direction: column; gap: 3px; min-width: 0; }
.mega-text strong { font-size: .95rem; line-height: 1.3; color: var(--paper); }
.mega-text small { font-size: .82rem; line-height: 1.4; color: var(--muted-light); white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.mega-feature { border-radius: 16px; padding: 24px; background: linear-gradient(160deg, #2a2219, #15120e); border: 1px solid var(--line-dark); display: flex; flex-direction: column; justify-content: space-between; gap: 20px; }
.mega-feature .eyebrow { margin-bottom: 14px; }
.mega-feature h4 { color: var(--paper); font-size: 1.3rem; margin-bottom: 10px; }
.mega-feature p { color: var(--muted-light); font-size: .86rem; line-height: 1.55; margin: 0; }
.mega-feature .btn { align-self: stretch; }

.header-cta { display: flex; align-items: center; gap: 10px; }
.header-phone { white-space: nowrap; display: inline-flex; align-items: center; gap: 10px; color: var(--paper); font-weight: 700; font-size: .92rem; padding: 8px 12px; }
.header-phone svg { width: 18px; height: 18px; color: var(--gold); }
.burger { display: none; width: 46px; height: 46px; border-radius: 12px; border: 1px solid var(--line-dark); background: transparent; color: var(--paper); cursor: pointer; place-items: center; }
.burger svg { width: 22px; height: 22px; }

/* Mobile drawer */
.drawer { position: fixed; inset: 0; z-index: 100; visibility: hidden; }
.drawer-backdrop { position: absolute; inset: 0; background: rgba(0,0,0,.55); opacity: 0; transition: opacity .35s; }
.drawer-panel { position: absolute; top: 0; right: 0; height: 100%; width: min(420px, 100%); background: var(--ink); color: var(--paper); transform: translateX(100%); transition: transform .45s var(--ease); display: flex; flex-direction: column; overflow-y: auto; }
.drawer.open { visibility: visible; }
.drawer.open .drawer-backdrop { opacity: 1; }
.drawer.open .drawer-panel { transform: none; }
.drawer-head { display: flex; justify-content: space-between; align-items: center; padding: 18px var(--gutter); border-bottom: 1px solid var(--line-dark); }
.drawer-nav { padding: 12px var(--gutter) 24px; display: flex; flex-direction: column; }
.drawer-nav a { padding: 15px 0; border-bottom: 1px solid var(--line-dark); font-family: var(--serif); font-size: 1.45rem; display: flex; justify-content: space-between; align-items: center; }
.drawer-nav a svg { width: 18px; height: 18px; color: var(--gold); }
.drawer-nav a.sub { font-family: var(--sans); font-size: .98rem; padding: 10px 0 10px 18px; color: var(--muted-light); border-bottom: 0; }
.drawer-foot { margin-top: auto; padding: 24px var(--gutter) 32px; display: grid; gap: 10px; }

/* ---------- Sections ---------- */
section { position: relative; }
.section { padding: clamp(72px, 10vw, 140px) 0; }
.section-sm { padding: clamp(48px, 6vw, 80px) 0; }
.dark { background: var(--ink); color: var(--paper); }
.ivory { background: var(--ivory); }
.section-head { display: flex; justify-content: space-between; align-items: end; gap: 32px; margin-bottom: clamp(40px, 5vw, 64px); flex-wrap: wrap; }
.section-head > div { max-width: 720px; }
.section-head h2 { margin-bottom: 0; }
.grain::after { content: ""; position: absolute; inset: 0; pointer-events: none; opacity: .5; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='3' stitchTiles='stitch'/%3E%3CfeColorMatrix values='0 0 0 0 1 0 0 0 0 1 0 0 0 0 1 0 0 0 .05 0'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E"); }

/* ---------- Hero (home) ---------- */
.hero { overflow: hidden; padding: clamp(40px, 5vw, 72px) 0 clamp(64px, 7vw, 96px); }
.hero::before { content: ""; position: absolute; inset: 0; background:
  radial-gradient(900px 500px at 85% 10%, rgba(201,162,90,.18), transparent 60%),
  radial-gradient(700px 400px at 0% 100%, rgba(201,162,90,.08), transparent 60%); }
.hero-lines { position: absolute; inset: 0; background: repeating-linear-gradient(90deg, rgba(232,208,160,.035) 0 1px, transparent 1px 72px); mask-image: linear-gradient(to bottom, #000, transparent 85%); -webkit-mask-image: linear-gradient(to bottom, #000, transparent 85%); }
.hero .container { position: relative; display: grid; grid-template-columns: 1.1fr .9fr; gap: clamp(40px, 6vw, 90px); align-items: center; }
.hero h1 { margin-bottom: 24px; font-size: clamp(2.6rem, 5.4vw, 4.6rem); }
.hero .lead { margin-bottom: 36px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 36px; }
.hero-proof { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }
.avatars { display: flex; }
.avatars span { width: 42px; height: 42px; border-radius: 50%; border: 2px solid var(--ink); margin-left: -10px; display: grid; place-items: center; font-size: .78rem; font-weight: 800; color: var(--ink); background: var(--gold-2); }
.avatars span:first-child { margin-left: 0; }
.avatars span:nth-child(2) { background: #d9b979; }
.avatars span:nth-child(3) { background: #f1e2bf; }
.avatars span:nth-child(4) { background: #bd9550; }
.hero-proof small { color: var(--muted-light); font-size: .88rem; display: block; }
.hero-proof strong { font-size: .98rem; }

.hero-visual { position: relative; width: 100%; max-width: 500px; justify-self: end; display: flex; flex-direction: column; gap: 22px; }
.hero-photo { position: relative; aspect-ratio: 1 / 1; margin: 14px 14px 0; }
.hero-frame { position: absolute; inset: 0; border-radius: 240px 240px 28px 28px; overflow: hidden; box-shadow: var(--shadow-lg); }
.hero-frame img { width: 100%; height: 100%; object-fit: cover; object-position: 30% 30%; }
.hero-frame::after { content: ""; position: absolute; inset: 0; background: linear-gradient(to top, rgba(15,13,11,.35), transparent 35%); }
.hero-ring { position: absolute; inset: -14px; border: 1px solid rgba(201,162,90,.45); border-radius: 254px 254px 40px 40px; pointer-events: none; }
.hero-badges { display: grid; grid-template-columns: auto 1fr; gap: 10px 16px; align-items: stretch; margin: 0 14px; }
.hero-award { grid-row: span 2; width: 104px; height: auto; align-self: center; filter: drop-shadow(0 12px 22px rgba(0,0,0,.45)); }
.float-card { background: rgba(255,255,255,.04); border: 1px solid var(--line-dark); border-radius: 14px; padding: 10px 14px; display: flex; gap: 12px; align-items: center; min-width: 0; }
.float-card .fc-icon { width: 36px; height: 36px; border-radius: 12px; background: var(--gold-grad); color: var(--ink); display: flex; align-items: center; justify-content: center; flex: none; }
.float-card .fc-icon svg { width: 19px; height: 19px; display: block; }
.float-card strong { display: block; font-size: .92rem; line-height: 1.3; }
.float-card small { display: block; color: var(--muted-light); font-size: .78rem; line-height: 1.4; margin-top: 2px; }
@keyframes float { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-10px); } }

/* ---------- Trust strip ---------- */
.trust { background: var(--ink-2); color: var(--paper); border-top: 1px solid var(--line-dark); border-bottom: 1px solid var(--line-dark); }
.trust .container { display: grid; grid-template-columns: repeat(4, 1fr); }
.trust-item { padding: 28px 24px; display: flex; gap: 16px; align-items: center; border-left: 1px solid var(--line-dark); }
.trust-item:first-child { border-left: 0; padding-left: 0; }
.trust-item svg { width: 28px; height: 28px; color: var(--gold); flex: none; }
.trust-item strong { display: block; font-family: var(--serif); font-weight: 400; font-size: 1.5rem; line-height: 1.1; }
.trust-item span { font-size: .84rem; color: var(--muted-light); }
.trust-item strong span { font-size: inherit; color: inherit; }

/* ---------- Page hero (inner pages) ---------- */
.page-hero { padding: clamp(64px, 9vw, 120px) 0 clamp(56px, 7vw, 96px); overflow: hidden; }
.page-hero::before { content: ""; position: absolute; inset: 0; background: radial-gradient(800px 420px at 90% 0%, rgba(201,162,90,.16), transparent 60%); }
.page-hero .container { position: relative; display: grid; grid-template-columns: 1.3fr .7fr; gap: 48px; align-items: end; }
.page-hero h1 { font-size: clamp(2.4rem, 5.4vw, 4.4rem); margin-bottom: 20px; }
.page-hero .lead { margin-bottom: 0; }
.breadcrumb { display: flex; gap: 10px; align-items: center; font-size: .82rem; color: var(--muted-light); margin-bottom: 26px; flex-wrap: wrap; }
.breadcrumb a:hover { color: var(--gold-2); }
.breadcrumb span[aria-hidden] { color: var(--gold); }
.page-hero-aside { display: grid; gap: 12px; justify-self: end; width: 100%; max-width: 340px; }
.hero-chip { display: flex; align-items: center; gap: 14px; padding: 16px 18px; border: 1px solid var(--line-dark); border-radius: 16px; background: rgba(255,255,255,.03); }
.hero-chip svg { width: 22px; height: 22px; color: var(--gold); flex: none; }
.hero-chip strong { display: block; font-size: .95rem; }
.hero-chip span { font-size: .82rem; color: var(--muted-light); }

/* ---------- Cards / grids ---------- */
.grid { display: grid; gap: 24px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

.service-card { position: relative; display: flex; flex-direction: column; padding: 34px 30px 30px; border-radius: var(--radius-lg); background: var(--white); border: 1px solid var(--line); transition: transform .45s var(--ease), box-shadow .45s var(--ease), border-color .45s; overflow: hidden; min-height: 300px; }
.service-card::before { content: ""; position: absolute; inset: 0; background: var(--ink); transform: translateY(101%); transition: transform .55s var(--ease); z-index: 0; }
.service-card > * { position: relative; z-index: 1; }
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: transparent; }
.service-card:hover::before { transform: none; }
.service-card:hover, .service-card:hover h3 { color: var(--paper); }
.service-card:hover p { color: var(--muted-light); }
.service-card:hover .card-icon { background: var(--gold-grad); color: var(--ink); }
.service-card:hover .link-arrow { color: var(--gold-2); }
.card-icon { width: 56px; height: 56px; border-radius: 16px; display: grid; place-items: center; background: var(--ivory); color: var(--gold-3); margin-bottom: 28px; transition: background .4s, color .4s; }
.card-icon svg { width: 26px; height: 26px; }
.service-card h3 { transition: color .4s; }
.service-card p { color: var(--muted); font-size: .97rem; transition: color .4s; flex: 1; }
.card-num { position: absolute; top: 26px; right: 28px; font-family: var(--serif); font-size: .95rem; color: var(--gold); }
.service-card.feature { background: var(--ink); color: var(--paper); border-color: var(--ink); }
.service-card.feature h3 { color: var(--paper); }
.service-card.feature p { color: var(--muted-light); }
.service-card.feature .card-icon { background: var(--gold-grad); color: var(--ink); }
.service-card.feature .link-arrow { color: var(--gold-2); }

/* Split blocks */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(40px, 7vw, 100px); align-items: center; }
.split.reverse > :first-child { order: 2; }
.media { position: relative; border-radius: var(--radius-lg); overflow: hidden; aspect-ratio: 5 / 4; box-shadow: var(--shadow-lg); }
.media img { width: 100%; height: 100%; object-fit: cover; }
.media-wrap { position: relative; }
.media-tag { position: absolute; left: -24px; bottom: 32px; background: var(--white); border-radius: 18px; padding: 18px 22px; box-shadow: var(--shadow-lg); display: flex; gap: 14px; align-items: center; max-width: 290px; }
.media-tag .num { font-family: var(--serif); font-size: 2.4rem; line-height: 1; background: var(--gold-grad); -webkit-background-clip: text; background-clip: text; color: transparent; }
.media-tag span { font-size: .86rem; color: var(--muted); line-height: 1.4; }

.checklist { list-style: none; padding: 0; margin: 0 0 32px; display: grid; gap: 14px; }
.checklist li { display: flex; gap: 14px; align-items: flex-start; }
.checklist svg { width: 22px; height: 22px; flex: none; color: var(--gold-3); margin-top: 3px; }
.dark .checklist svg { color: var(--gold); }

/* Process */
.process { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; counter-reset: step; border-top: 1px solid var(--line-dark); }
.step { padding: 40px 28px 10px 0; position: relative; }
.step::before { content: ""; position: absolute; top: -1px; left: 0; width: 0; height: 1px; background: var(--gold); transition: width 1.2s var(--ease); }
.step.in::before { width: calc(100% - 28px); }
.step-num { font-family: var(--serif); font-size: 3.4rem; line-height: 1; margin-bottom: 22px; background: var(--gold-grad); -webkit-background-clip: text; background-clip: text; color: transparent; }
.step h3 { font-size: 1.35rem; color: var(--paper); }
.step p { color: var(--muted-light); font-size: .95rem; }

/* Stats */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.stat { padding: 30px 0; border-top: 1px solid var(--line); }
.stat .num { font-family: var(--serif); font-size: clamp(2.8rem, 5vw, 4.2rem); line-height: 1; margin-bottom: 10px; }
.stat .num small { font-size: .5em; color: var(--gold-3); }
.stat p { color: var(--muted); font-size: .95rem; margin: 0; }
.dark .stat { border-color: var(--line-dark); }
.dark .stat p { color: var(--muted-light); }

/* Team */
.team-card { position: relative; border-radius: var(--radius-lg); overflow: hidden; background: var(--ink); color: var(--paper); }
.team-card .photo { aspect-ratio: 5 / 5.2; overflow: hidden; }
.team-card .photo img { width: 100%; height: 100%; object-fit: cover; object-position: center 25%; transition: transform 1s var(--ease); }
.team-card:hover .photo img { transform: scale(1.05); }
.team-body { padding: 28px 30px 32px; }
.team-body .role { font-size: .76rem; letter-spacing: .2em; text-transform: uppercase; color: var(--gold); font-weight: 700; }
.team-body h3 { margin: 10px 0 12px; font-size: 1.9rem; }
.team-body p { color: var(--muted-light); font-size: .95rem; }
.team-quote { font-family: var(--serif); font-style: italic; color: var(--gold-2); font-size: 1.1rem; }
.tags { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 16px; }
.tag { font-size: .78rem; padding: 6px 12px; border-radius: 999px; border: 1px solid var(--line-dark); color: var(--muted-light); }
.light-tags .tag { border-color: var(--line); color: var(--muted); background: var(--white); }

/* Reviews */
.review-slider { position: relative; }
.review-track { display: flex; gap: 24px; overflow-x: auto; scroll-snap-type: x mandatory; scrollbar-width: none; padding-bottom: 6px; }
.review-track::-webkit-scrollbar { display: none; }
.review { flex: 0 0 calc((100% - 48px) / 3); scroll-snap-align: start; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 32px; display: flex; flex-direction: column; }
.review .stars { font-size: 1rem; margin-bottom: 18px; }
.review blockquote { margin: 0 0 24px; font-family: var(--serif); font-size: 1.15rem; line-height: 1.5; flex: 1; }
.review-author { display: flex; align-items: center; gap: 12px; padding-top: 20px; border-top: 1px solid var(--line); }
.review-author .initial { width: 42px; height: 42px; border-radius: 50%; background: var(--ink); color: var(--gold-2); display: grid; place-items: center; font-weight: 800; font-size: .9rem; }
.review-author strong { display: block; font-size: .95rem; }
.review-author span { font-size: .8rem; color: var(--muted); display: inline-flex; gap: 6px; align-items: center; }
.review-author svg { width: 14px; height: 14px; }
.slider-nav { display: flex; gap: 10px; }
.slider-btn { width: 52px; height: 52px; border-radius: 50%; border: 1px solid var(--line); background: var(--white); display: grid; place-items: center; cursor: pointer; transition: background .3s, color .3s, border-color .3s; }
.slider-btn:hover { background: var(--ink); color: var(--gold-2); border-color: var(--ink); }
.slider-btn svg { width: 20px; height: 20px; }

.masonry { columns: 3 320px; column-gap: 24px; }
.masonry .review { break-inside: avoid; margin-bottom: 24px; flex: none; width: 100%; }

.rating-summary { display: grid; grid-template-columns: auto 1fr; gap: 40px; align-items: center; padding: 40px; border-radius: var(--radius-lg); background: var(--white); border: 1px solid var(--line); }
.rating-big { font-family: var(--serif); font-size: 5.6rem; line-height: 1; }
.rating-bars { display: grid; gap: 8px; }
.rating-bar { display: grid; grid-template-columns: 48px 1fr 40px; gap: 12px; align-items: center; font-size: .85rem; color: var(--muted); }
.rating-bar .bar { height: 8px; border-radius: 99px; background: var(--ivory); overflow: hidden; }
.rating-bar .bar i { display: block; height: 100%; background: var(--gold-grad); border-radius: 99px; }

/* Awards */
.awards { display: flex; align-items: center; justify-content: center; gap: clamp(24px, 5vw, 64px); flex-wrap: wrap; }
.awards img { height: 112px; width: auto; filter: drop-shadow(0 10px 20px rgba(0,0,0,.25)); transition: transform .4s var(--ease); }
.awards img:hover { transform: translateY(-4px) rotate(-2deg); }
.awards img.wide { height: 56px; }

/* Areas */
.areas { display: flex; flex-wrap: wrap; gap: 10px; }
.area { display: inline-flex; align-items: center; gap: 8px; padding: 11px 18px; border-radius: 999px; border: 1px solid var(--line); background: var(--white); font-weight: 600; font-size: .92rem; transition: all .3s var(--ease); }
.area svg { width: 15px; height: 15px; color: var(--gold-3); }
.area:hover { background: var(--ink); color: var(--paper); border-color: var(--ink); transform: translateY(-2px); }
.area.hq { background: var(--ink); color: var(--paper); border-color: var(--ink); }
.area.hq svg { color: var(--gold); }

/* FAQ */
.faq { border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { list-style: none; cursor: pointer; display: flex; justify-content: space-between; gap: 24px; align-items: center; padding: 26px 0; font-family: var(--serif); font-size: clamp(1.1rem, 1.6vw, 1.35rem); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary .plus { flex: none; width: 40px; height: 40px; border-radius: 50%; border: 1px solid var(--line); display: grid; place-items: center; transition: transform .4s var(--ease), background .3s, color .3s; }
.faq summary .plus svg { width: 18px; height: 18px; }
.faq details[open] summary .plus { transform: rotate(45deg); background: var(--ink); color: var(--gold-2); border-color: var(--ink); }
.faq .answer { padding: 0 64px 28px 0; color: var(--muted); }
.faq .answer p:last-child { margin: 0; }

/* CTA band */
.cta-band { border-radius: 36px; padding: clamp(48px, 7vw, 96px) clamp(28px, 6vw, 88px); background: var(--ink); color: var(--paper); overflow: hidden; position: relative; display: grid; grid-template-columns: 1.3fr .7fr; gap: 40px; align-items: center; }
.cta-band::before { content: ""; position: absolute; right: -180px; top: -180px; width: 520px; height: 520px; border-radius: 50%; border: 1px solid rgba(201,162,90,.35); box-shadow: 0 0 0 60px rgba(201,162,90,.04), 0 0 0 120px rgba(201,162,90,.03); }
.cta-band > * { position: relative; }
.cta-band h2 { margin-bottom: 16px; }
.cta-band p { color: var(--muted-light); margin: 0; max-width: 52ch; }
.cta-actions { display: grid; gap: 12px; justify-items: stretch; }

/* Detail blocks for service pages */
.detail { display: grid; grid-template-columns: 340px 1fr; gap: clamp(32px, 6vw, 90px); padding: clamp(56px, 7vw, 96px) 0; border-top: 1px solid var(--line); scroll-margin-top: 110px; }
.detail:first-of-type { border-top: 0; }
.detail-side { position: sticky; top: 120px; align-self: start; }
.detail-side .card-icon { margin-bottom: 22px; }
.detail-side h2 { font-size: clamp(1.9rem, 3.2vw, 2.6rem); }
.detail-side .kicker { font-family: var(--serif); color: var(--gold-3); font-size: 1rem; margin-bottom: 14px; display: block; }
.detail-body .lead { margin-bottom: 28px; color: var(--text); }
.detail-body h4 { margin-top: 34px; }
.info-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; margin: 28px 0; }
.info { padding: 24px; border-radius: var(--radius); background: var(--white); border: 1px solid var(--line); }
.info svg { width: 22px; height: 22px; color: var(--gold-3); margin-bottom: 14px; }
.info strong { display: block; margin-bottom: 6px; }
.info p { font-size: .93rem; color: var(--muted); margin: 0; }
.notice { display: flex; gap: 14px; padding: 18px 22px; border-radius: 14px; background: var(--ivory); border-left: 3px solid var(--gold); font-size: .9rem; color: var(--muted); margin-top: 24px; }
.notice svg { width: 20px; height: 20px; color: var(--gold-3); flex: none; margin-top: 2px; }
.dark .notice { background: rgba(255,255,255,.04); color: var(--muted-light); }

.subnav { position: sticky; top: 78px; z-index: 30; background: rgba(251,248,242,.92); backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px); border-bottom: 1px solid var(--line); }
.subnav .container { display: flex; gap: 6px; overflow-x: auto; scrollbar-width: none; padding-block: 12px; }
.subnav .container::-webkit-scrollbar { display: none; }
.subnav a { flex: none; padding: 9px 16px; border-radius: 999px; font-size: .88rem; font-weight: 600; color: var(--muted); transition: all .25s; }
.subnav a:hover { color: var(--text); background: var(--ivory); }
.subnav a.active { background: var(--ink); color: var(--gold-2); }

/* Fees */
.fee-table { border-radius: var(--radius-lg); overflow: hidden; border: 1px solid var(--line); background: var(--white); }
.fee-row { display: grid; grid-template-columns: 1fr auto; gap: 24px; padding: 28px 32px; border-top: 1px solid var(--line); align-items: center; }
.fee-row:first-child { border-top: 0; }
.fee-row h4 { margin: 0 0 4px; font-family: var(--serif); font-weight: 400; font-size: 1.3rem; }
.fee-row p { margin: 0; color: var(--muted); font-size: .93rem; max-width: 62ch; }
.fee-price { font-family: var(--serif); font-size: 2.2rem; line-height: 1; text-align: right; }
.fee-price small { display: block; font-family: var(--sans); font-size: .76rem; color: var(--muted); letter-spacing: .08em; text-transform: uppercase; margin-top: 6px; }
.fee-row.highlight { background: var(--ink); color: var(--paper); }
.fee-row.highlight p, .fee-row.highlight .fee-price small { color: var(--muted-light); }
.fee-row.highlight .fee-price { color: var(--gold-2); }

/* Calculators */
.calc-tabs { display: inline-flex; gap: 6px; padding: 6px; border-radius: 999px; background: var(--white); border: 1px solid var(--line); margin-bottom: 36px; flex-wrap: wrap; }
.calc-tab { padding: 12px 22px; border-radius: 999px; border: 0; background: none; font-weight: 700; font-size: .92rem; cursor: pointer; color: var(--muted); transition: all .3s; }
.calc-tab[aria-selected="true"] { background: var(--ink); color: var(--gold-2); }
.calc { display: grid; grid-template-columns: 1.05fr .95fr; border-radius: var(--radius-lg); overflow: hidden; border: 1px solid var(--line); background: var(--white); box-shadow: var(--shadow); }
.calc[hidden] { display: none; }
.calc-form { padding: clamp(28px, 4vw, 48px); display: grid; gap: 26px; align-content: start; }
.calc-form h3 { margin-bottom: 0; }
.calc-result { background: var(--ink); color: var(--paper); padding: clamp(28px, 4vw, 48px); display: flex; flex-direction: column; position: relative; overflow: hidden; }
.calc-result::before { content: ""; position: absolute; right: -120px; bottom: -120px; width: 320px; height: 320px; border-radius: 50%; border: 1px solid rgba(201,162,90,.3); }
.calc-result > * { position: relative; }
.result-label { font-size: .78rem; letter-spacing: .2em; text-transform: uppercase; color: var(--gold); font-weight: 700; }
.result-big { font-family: var(--serif); font-size: clamp(3rem, 6vw, 4.6rem); line-height: 1; margin: 14px 0 6px; }
.result-sub { color: var(--muted-light); font-size: .92rem; }
.result-rows { margin: 28px 0; display: grid; gap: 0; border-top: 1px solid var(--line-dark); }
.result-rows div { display: flex; justify-content: space-between; padding: 14px 0; border-bottom: 1px solid var(--line-dark); font-size: .93rem; }
.result-rows span { color: var(--muted-light); }
.result-bar { display: flex; height: 10px; border-radius: 99px; overflow: hidden; background: rgba(255,255,255,.08); margin-top: 8px; }
.result-bar i { display: block; height: 100%; transition: width .5s var(--ease); }
.result-bar i:first-child { background: var(--gold-grad); }
.result-bar i:last-child { background: rgba(255,255,255,.35); }
.legend { display: flex; gap: 18px; font-size: .8rem; color: var(--muted-light); margin-top: 10px; }
.legend span::before { content: ""; display: inline-block; width: 10px; height: 10px; border-radius: 3px; margin-right: 6px; background: var(--gold); vertical-align: -1px; }
.legend span:last-child::before { background: rgba(255,255,255,.35); }
.calc-result .btn { margin-top: auto; }
.disclaimer { font-size: .78rem; color: var(--muted-light); margin-top: 16px; }

/* Forms */
.field { display: grid; gap: 8px; }
.field label, .field .label { font-size: .86rem; font-weight: 700; display: flex; justify-content: space-between; }
.field label output, .field .label output { font-family: var(--serif); font-weight: 400; font-size: 1.1rem; color: var(--gold-3); }
.input { width: 100%; padding: 15px 18px; border-radius: 14px; border: 1px solid var(--line); background: var(--paper); transition: border-color .25s, box-shadow .25s, background .25s; font-size: 1rem; }
.input:focus { outline: none; border-color: var(--gold); background: var(--white); box-shadow: 0 0 0 4px rgba(201,162,90,.15); }
textarea.input { min-height: 130px; resize: vertical; }
.input-prefix { position: relative; }
.input-prefix span { position: absolute; left: 18px; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 700; }
.input-prefix .input { padding-left: 36px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
input[type="range"] { -webkit-appearance: none; appearance: none; width: 100%; height: 6px; border-radius: 99px; background: linear-gradient(to right, var(--gold) var(--fill, 50%), var(--sand) var(--fill, 50%)); cursor: pointer; }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 24px; height: 24px; border-radius: 50%; background: var(--ink); border: 4px solid var(--gold-2); box-shadow: 0 4px 10px rgba(0,0,0,.25); }
input[type="range"]::-moz-range-thumb { width: 18px; height: 18px; border-radius: 50%; background: var(--ink); border: 4px solid var(--gold-2); }
.choice-group { display: flex; flex-wrap: wrap; gap: 10px; }
.choice { position: relative; }
.choice input { position: absolute; opacity: 0; pointer-events: none; }
.choice span { display: inline-flex; align-items: center; gap: 8px; padding: 12px 18px; border-radius: 999px; border: 1px solid var(--line); background: var(--paper); font-weight: 600; font-size: .92rem; cursor: pointer; transition: all .25s; }
.choice input:checked + span { background: var(--ink); color: var(--gold-2); border-color: var(--ink); }
.choice input:focus-visible + span { outline: 2px solid var(--gold); outline-offset: 2px; }
.error-msg { color: var(--danger); font-size: .82rem; display: none; }
.field.invalid .input { border-color: var(--danger); }
.field.invalid .error-msg { display: block; }

/* Multi-step enquiry */
.enquiry { border-radius: var(--radius-lg); background: var(--white); border: 1px solid var(--line); box-shadow: var(--shadow); overflow: hidden; }
.enquiry-head { padding: 28px clamp(24px, 4vw, 40px); border-bottom: 1px solid var(--line); }
.progress { display: flex; gap: 8px; margin-top: 18px; }
.progress i { flex: 1; height: 4px; border-radius: 99px; background: var(--sand); overflow: hidden; position: relative; }
.progress i::after { content: ""; position: absolute; inset: 0; background: var(--gold-grad); transform: scaleX(0); transform-origin: left; transition: transform .5s var(--ease); }
.progress i.done::after { transform: none; }
.step-label { font-size: .8rem; color: var(--muted); font-weight: 600; letter-spacing: .04em; }
.enquiry-body { padding: clamp(24px, 4vw, 40px); }
.form-step { display: none; gap: 22px; animation: fadeUp .5s var(--ease); }
.form-step.active { display: grid; }
.form-nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 28px; }
.success { text-align: center; padding: 30px 10px; }
.success .tick { width: 76px; height: 76px; border-radius: 50%; margin: 0 auto 20px; display: grid; place-items: center; background: var(--gold-grad); color: var(--ink); }
.success .tick svg { width: 34px; height: 34px; }
@keyframes fadeUp { from { opacity: 0; transform: translateY(12px); } to { opacity: 1; transform: none; } }

/* Contact */
.contact-cards { display: grid; gap: 14px; }
.contact-card { display: flex; gap: 16px; align-items: flex-start; padding: 22px; border-radius: var(--radius); border: 1px solid var(--line-dark); background: rgba(255,255,255,.03); transition: border-color .3s, background .3s; }
a.contact-card:hover { border-color: var(--gold); background: rgba(201,162,90,.06); }
.contact-card .ic { width: 46px; height: 46px; border-radius: 12px; background: var(--gold-grad); color: var(--ink); display: grid; place-items: center; flex: none; }
.contact-card .ic svg { width: 20px; height: 20px; }
.contact-card strong { display: block; font-size: 1.02rem; }
.contact-card span { color: var(--muted-light); font-size: .88rem; }
.hours { display: grid; gap: 0; }
.hours div { display: flex; justify-content: space-between; padding: 12px 0; border-bottom: 1px solid var(--line-dark); font-size: .92rem; }
.hours div span:last-child { color: var(--muted-light); }
.map { border-radius: var(--radius-lg); overflow: hidden; border: 1px solid var(--line); aspect-ratio: 16 / 7; background: var(--ivory); }
.map iframe { width: 100%; height: 100%; border: 0; filter: grayscale(.4) sepia(.15); }

/* Refer */
.refer { display: grid; grid-template-columns: auto 1fr auto; gap: 36px; align-items: center; padding: 40px 44px; border-radius: var(--radius-lg); background: var(--gold-grad); color: var(--ink); }
.refer .big { font-family: var(--serif); font-size: 4.4rem; line-height: 1; }
.refer h3 { margin-bottom: 6px; }
.refer p { margin: 0; opacity: .8; }
.refer .btn { background: var(--ink); color: var(--paper); }

/* Value pillars */
.pillar { padding: 34px; border-radius: var(--radius-lg); background: var(--white); border: 1px solid var(--line); }
.pillar .card-icon { margin-bottom: 22px; }
.pillar p { color: var(--muted); margin: 0; font-size: .96rem; }
.dark .pillar { background: rgba(255,255,255,.03); border-color: var(--line-dark); }
.dark .pillar p { color: var(--muted-light); }
.dark .pillar .card-icon { background: rgba(201,162,90,.12); color: var(--gold); }

/* Marquee */
.marquee { overflow: hidden; border-block: 1px solid var(--line); background: var(--ivory); padding: 22px 0; }
.marquee-track { display: flex; gap: 48px; width: max-content; animation: marquee 40s linear infinite; }
.marquee:hover .marquee-track { animation-play-state: paused; }
.marquee-item { font-family: var(--serif); font-size: 1.5rem; display: inline-flex; align-items: center; gap: 48px; white-space: nowrap; color: var(--text); }
.marquee-item::after { content: "✦"; color: var(--gold); font-size: 1rem; }
@keyframes marquee { to { transform: translateX(-50%); } }

/* Footer */
.footer { background: var(--ink); color: var(--muted-light); padding-top: clamp(64px, 8vw, 110px); font-size: .92rem; }
.footer-top { display: grid; grid-template-columns: 1.4fr repeat(3, 1fr); gap: 40px; padding-bottom: 56px; border-bottom: 1px solid var(--line-dark); }
.footer h4 { color: var(--paper); font-family: var(--sans); font-size: .78rem; letter-spacing: .2em; text-transform: uppercase; font-weight: 700; margin-bottom: 20px; }
.footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.footer a:hover { color: var(--gold-2); }
.footer-brand p { margin: 22px 0; max-width: 36ch; }
.socials { display: flex; gap: 10px; }
.socials a { width: 42px; height: 42px; border-radius: 50%; border: 1px solid var(--line-dark); display: grid; place-items: center; transition: all .3s; }
.socials a:hover { background: var(--gold); color: var(--ink); border-color: var(--gold); }
.socials svg { width: 18px; height: 18px; }
.footer-legal { padding: 32px 0; font-size: .78rem; line-height: 1.7; color: #8b8070; display: grid; gap: 12px; border-bottom: 1px solid var(--line-dark); }
.footer-legal strong { color: var(--muted-light); }
.footer-bottom { display: flex; justify-content: space-between; gap: 16px; padding: 24px 0 32px; font-size: .8rem; flex-wrap: wrap; }
.fraud { display: flex; gap: 12px; align-items: flex-start; padding: 16px 18px; border-radius: 14px; border: 1px solid rgba(201,162,90,.3); background: rgba(201,162,90,.06); color: var(--muted-light); }
.fraud svg { width: 20px; height: 20px; color: var(--gold); flex: none; margin-top: 2px; }

/* Floating actions */
.fab { position: fixed; right: 20px; bottom: 20px; z-index: 40; display: flex; flex-direction: column; gap: 12px; }
.fab a { width: 58px; height: 58px; border-radius: 50%; display: grid; place-items: center; box-shadow: 0 16px 34px -10px rgba(0,0,0,.45); transition: transform .3s var(--ease); }
.fab a:hover { transform: scale(1.08); }
.fab svg { width: 26px; height: 26px; }
.fab .wa { background: #25d366; color: #fff; transition: transform .3s var(--ease), opacity .3s; }
.fab .wa.away { opacity: 0; transform: scale(.6); pointer-events: none; }
.fab .top { background: var(--ink); color: var(--gold-2); width: 46px; height: 46px; justify-self: center; margin-inline: auto; opacity: 0; pointer-events: none; transition: opacity .3s, transform .3s; }
.fab .top.show { opacity: 1; pointer-events: auto; }
.fab .top svg { width: 20px; height: 20px; }

/* Reveal animations */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity 1s var(--ease), transform 1s var(--ease); }
.reveal.in { opacity: 1; transform: none; }
.reveal-d1 { transition-delay: .08s; } .reveal-d2 { transition-delay: .16s; } .reveal-d3 { transition-delay: .24s; } .reveal-d4 { transition-delay: .32s; }
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition: none !important; }
  .reveal { opacity: 1; transform: none; }
  html { scroll-behavior: auto; }
}

/* ---------- Responsive ---------- */
.split-contact { grid-template-columns: 1.15fr .85fr; }
.header-phone { display: none; }
@media (max-width: 1280px) { .nav-link { padding: 10px 11px; } }
@media (max-width: 1140px) {
  .nav, .header-phone { display: none; }
  .burger { display: grid; }
}
@media (max-width: 980px) {
  .hero .container, .page-hero .container, .split, .split-contact, .cta-band, .calc { grid-template-columns: 1fr !important; }
  .hero-visual { justify-self: center; max-width: 520px; margin-top: 8px; }
  .page-hero-aside { justify-self: start; max-width: none; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }
  .split.reverse > :first-child { order: 0; }
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .trust .container, .stats { grid-template-columns: repeat(2, 1fr); }
  .trust-item:nth-child(3) { border-left: 0; padding-left: 0; }
  .trust-item { border-top: 1px solid var(--line-dark); }
  .trust-item:nth-child(-n+2) { border-top: 0; }
  .process { grid-template-columns: repeat(2, 1fr); }
  .review { flex-basis: calc((100% - 24px) / 2); }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
  .detail { grid-template-columns: 1fr; }
  .detail-side { position: static; }
  .refer { grid-template-columns: 1fr; text-align: left; }
  .media-tag { left: 16px; }
}
@media (max-width: 640px) {
  body { font-size: 16px; }
  .topbar-left .hide-sm, .topbar-right { display: none; }
  .header .container { height: 68px; }
  .subnav { top: 68px; }
  .header-cta .btn { display: none; }
  .grid-2, .grid-3, .grid-4, .info-grid, .field-row { grid-template-columns: 1fr; }
  .trust .container { grid-template-columns: 1fr 1fr; }
  .trust-item { padding: 20px 14px 20px 0; gap: 10px; }
  .trust-item:nth-child(even) { padding-left: 14px; }
  .trust-item svg { width: 22px; height: 22px; }
  .trust-item strong { font-size: 1.2rem; }
  .process { grid-template-columns: 1fr; }
  .review { flex-basis: 88%; }
  .rating-summary { grid-template-columns: 1fr; padding: 28px; }
  .fee-row { grid-template-columns: 1fr; padding: 24px; }
  .fee-price { text-align: left; }
  .footer-top { grid-template-columns: 1fr; }
  .faq .answer { padding-right: 0; }
  .hero-actions .btn { flex: 1 1 100%; }
  .hero-award { width: 80px; }
  .cta-band { border-radius: 24px; }
  .section-head { align-items: start; }
}