/*
  Oberoi Universal Financial Consulting Services
  Global stylesheet — design tokens, base styles and reusable components.
  Colours are derived from the supplied logo (navy + grey goose mark).
*/

:root {
  /* Brand colours (from logo) */
  --color-navy: #1c3a5e;
  --color-navy-dark: #10223a;
  --color-navy-light: #33557f;
  --color-grey: #8b8f97;
  --color-grey-light: #d7d9dd;

  /* Section accent colours (same family, easy to tell apart) */
  --color-protection: #96692c;
  --color-protection-light: #b98a49;
  --color-insurance: #46626f;
  --color-insurance-light: #63838f;

  /* Neutrals */
  --color-white: #ffffff;
  --color-cream: #faf8f5;
  --color-light: #f4f5f7;
  --color-light-alt: #eef1f4;
  --color-border: #e2e4e8;
  --color-dark: #12161c;
  --color-body: #454c54;
  --color-body-light: #6b727a;

  /* Feedback */
  --color-success: #2f6a4c;
  --color-error: #a3352d;

  /* Typography */
  --font-heading: "Fraunces", "Georgia", serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  /* Spacing scale */
  --section-spacing-desktop: 96px;
  --section-spacing-tablet: 72px;
  --section-spacing-mobile: 52px;
  --space-xs: 8px;
  --space-sm: 16px;
  --space-md: 24px;
  --space-lg: 40px;
  --space-xl: 64px;

  /* Shape */
  --border-radius-small: 6px;
  --border-radius-medium: 14px;
  --border-radius-large: 24px;
  --transition-standard: 0.25s ease;

  /* Shadow */
  --shadow-soft: 0 12px 32px rgba(18, 22, 28, 0.08);
  --shadow-card: 0 6px 20px rgba(18, 22, 28, 0.06);
}

/* ---------- Reset & base ---------- */
*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

html,
body {
  margin: 0;
  padding: 0;
}

body {
  font-family: var(--font-body);
  color: var(--color-body);
  background-color: var(--color-white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

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

a {
  color: var(--color-navy);
  text-decoration: none;
  transition: color var(--transition-standard);
}

a:hover {
  color: var(--color-navy-light);
}

ul,
ol {
  padding-left: 1.2em;
}

.container {
  width: 100%;
  max-width: 1280px;
  margin-left: auto;
  margin-right: auto;
  padding-left: 28px;
  padding-right: 28px;
}

/* ---------- Typography ---------- */
h1,
h2,
h3,
h4,
.font-heading {
  font-family: var(--font-heading);
  color: var(--color-dark);
  font-weight: 600;
  line-height: 1.2;
  letter-spacing: -0.01em;
}

h1 {
  font-size: clamp(2.25rem, 4.6vw, 3.75rem);
  margin-bottom: var(--space-md);
}

h2 {
  font-size: clamp(1.75rem, 3.2vw, 2.5rem);
  margin-bottom: var(--space-sm);
}

h3 {
  font-size: clamp(1.3rem, 2vw, 1.6rem);
  margin-bottom: var(--space-sm);
}

h4 {
  font-size: 1.15rem;
  margin-bottom: var(--space-xs);
}

p {
  margin-bottom: var(--space-sm);
}

.lead {
  font-size: 1.2rem;
  color: var(--color-body-light);
}

.text-center {
  text-align: center;
}

.section-intro {
  max-width: 720px;
  margin: 0 auto var(--space-lg);
}

.section-intro.text-center {
  margin-left: auto;
  margin-right: auto;
}

/* ---------- Skip link ---------- */
.skip-link {
  position: absolute;
  top: -48px;
  left: 0;
  background: var(--color-navy);
  color: var(--color-white);
  padding: 12px 20px;
  z-index: 2000;
  transition: top var(--transition-standard);
}

.skip-link:focus {
  top: 0;
  color: var(--color-white);
}

/* ---------- Focus states ---------- */
a:focus-visible,
button:focus-visible,
input:focus-visible,
textarea:focus-visible,
select:focus-visible,
.btn:focus-visible {
  outline: 3px solid var(--color-protection-light);
  outline-offset: 3px;
}

/* ---------- Section spacing ---------- */
.section {
  padding-top: var(--section-spacing-desktop);
  padding-bottom: var(--section-spacing-desktop);
}

.section--tight {
  padding-top: calc(var(--section-spacing-desktop) * 0.6);
  padding-bottom: calc(var(--section-spacing-desktop) * 0.6);
}

.section--light {
  background-color: var(--color-light);
}

.section--cream {
  background-color: var(--color-cream);
}

.section--navy {
  background-color: var(--color-navy);
  color: rgba(255, 255, 255, 0.88);
}

.section--navy h1,
.section--navy h2,
.section--navy h3,
.section--navy h4 {
  color: var(--color-white);
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.98rem;
  padding: 14px 28px;
  border-radius: var(--border-radius-small);
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform var(--transition-standard), background-color var(--transition-standard),
    color var(--transition-standard), border-color var(--transition-standard), box-shadow var(--transition-standard);
  min-height: 48px;
}

.btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 24px rgba(12, 22, 36, 0.18);
}

.btn:active {
  transform: translateY(0);
  box-shadow: none;
}

.btn-primary {
  background-color: var(--color-navy);
  color: var(--color-white);
  border-color: var(--color-navy);
}

.btn-primary:hover {
  background-color: var(--color-navy-light);
  border-color: var(--color-navy-light);
  color: var(--color-white);
}

.btn-outline {
  background-color: transparent;
  color: var(--color-navy);
  border-color: var(--color-navy);
}

.btn-outline:hover {
  background-color: var(--color-navy);
  color: var(--color-white);
}

.btn-outline-light {
  background-color: transparent;
  color: var(--color-white);
  border-color: rgba(255, 255, 255, 0.55);
}

.btn-outline-light:hover {
  background-color: var(--color-white);
  color: var(--color-navy);
  border-color: var(--color-white);
  box-shadow: 0 10px 28px rgba(0, 0, 0, 0.28);
}

.btn-protection {
  background-color: var(--color-protection);
  color: var(--color-white);
  border-color: var(--color-protection);
}

.btn-protection:hover {
  background-color: var(--color-protection-light);
  border-color: var(--color-protection-light);
  color: var(--color-white);
}

.btn-sm {
  padding: 10px 20px;
  font-size: 0.9rem;
  min-height: 40px;
}

.btn-block {
  width: 100%;
}

/* ---------- Transparent-over-hero header (homepage only) ---------- */
/* On every page except the homepage, .site-header-group is just a plain
   wrapper with no styling of its own — .site-header keeps its normal
   sticky, solid-white behaviour. On the homepage, the wrapper becomes a
   fixed, transparent bar that sits over the hero image/gradient, then
   swaps to a solid bar once the visitor scrolls (or hovers, for anyone
   who lands with the page already scrolled). */
body[data-page="home"] .site-header-group {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: transparent;
  transition: background-color 0.35s ease, box-shadow 0.35s ease;
}

body[data-page="home"] .site-header {
  position: static;
  background: transparent;
  border-color: transparent;
}

body[data-page="home"] .main-nav__list > li > a {
  color: rgba(255, 255, 255, 0.95);
}

body[data-page="home"] .main-nav__list > li > a:hover,
body[data-page="home"] .main-nav__list > li > a[aria-current="page"] {
  color: var(--color-white);
  background: rgba(255, 255, 255, 0.14);
}

body[data-page="home"] .site-header__logo img {
  filter: brightness(0) invert(1);
  transition: filter 0.35s ease;
}

/* Solid state is driven purely by actual scroll position (.is-scrolled,
   toggled from JS) — NOT by :hover. While the visitor is still at the
   top of the hero, hovering a nav link must stay on the transparent
   variant (white text over a faint highlight), never flip the whole
   bar to a solid white background. */
body[data-page="home"] .site-header-group.is-scrolled {
  background: rgba(255, 255, 255, 0.99);
  box-shadow: 0 8px 28px rgba(12, 22, 36, 0.1);
}

body[data-page="home"] .site-header-group.is-scrolled .main-nav__list > li > a {
  color: var(--color-dark);
}

body[data-page="home"] .site-header-group.is-scrolled .main-nav__list > li > a:hover,
body[data-page="home"] .site-header-group.is-scrolled .main-nav__list > li > a[aria-current="page"] {
  color: var(--color-navy);
  background: var(--color-light);
}

body[data-page="home"] .site-header-group.is-scrolled .site-header__logo img {
  filter: none;
}

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.99);
  border-bottom: 1px solid var(--color-border);
  /* Deliberately no backdrop-filter/transform here: either one would make
     this element the containing block for its position:fixed descendant
     (the mobile nav panel), sizing it to the header instead of the
     viewport. */
}

.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-sm);
  padding: 12px 0;
}

.site-header__logo {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}

.site-header__logo img {
  height: 62px;
  width: auto;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
}

.main-nav__list {
  display: flex;
  align-items: center;
  gap: 2px;
  list-style: none;
  padding: 0;
  margin: 0;
}

.main-nav__list > li {
  position: relative;
}

.main-nav__list a {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  padding: 9px 11px;
  font-weight: 500;
  font-size: 0.92rem;
  color: var(--color-dark);
  border-radius: var(--border-radius-small);
  white-space: nowrap;
}

.main-nav__list a:hover,
.main-nav__list a[aria-current="page"] {
  color: var(--color-navy);
  background-color: var(--color-light);
}

.main-nav__list a[aria-current="page"] {
  font-weight: 700;
}

.has-dropdown {
  display: flex;
  align-items: center;
  gap: 4px;
}

.dropdown-caret {
  width: 13px;
  height: 13px;
  stroke-width: 2.2;
  transition: transform var(--transition-standard);
}

.main-nav__dropdown {
  list-style: none;
  margin: 0;
  padding: 10px;
  position: absolute;
  top: calc(100% + 6px);
  left: 0;
  min-width: 260px;
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--border-radius-medium);
  box-shadow: var(--shadow-soft);
  opacity: 0;
  visibility: hidden;
  transform: translateY(6px);
  transition: opacity var(--transition-standard), transform var(--transition-standard),
    visibility var(--transition-standard);
  z-index: 10;
}

.nav-item--dropdown:hover > .main-nav__dropdown,
.nav-item--dropdown:focus-within > .main-nav__dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.nav-item--dropdown:hover > a .dropdown-caret,
.nav-item--dropdown:focus-within > a .dropdown-caret {
  transform: rotate(180deg);
}

.main-nav__dropdown a {
  display: block;
  padding: 10px 12px;
  border-radius: var(--border-radius-small);
  font-size: 0.92rem;
  white-space: normal;
}

.main-nav__dropdown--wide {
  min-width: 300px;
}

.main-nav__dropdown-featured {
  border-bottom: 1px solid var(--color-border);
  margin-bottom: 6px;
  padding-bottom: 6px;
}

.main-nav__dropdown-featured a {
  color: var(--color-navy);
  font-weight: 600;
}

.header-cta {
  display: flex;
  align-items: center;
  gap: 10px;
}

.menu-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  color: var(--color-dark);
}

.menu-toggle .icon-bar {
  display: block;
  width: 26px;
  height: 2px;
  background: currentColor;
  margin: 5px 0;
  transition: transform var(--transition-standard), opacity var(--transition-standard);
}

/* ---------- Hero ---------- */
.hero {
  position: relative;
  padding-top: 64px;
  padding-bottom: 64px;
  background: linear-gradient(160deg, var(--color-navy-dark) 0%, var(--color-navy) 60%, var(--color-navy-light) 100%);
  color: rgba(255, 255, 255, 0.92);
  overflow: hidden;
}

.hero__grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: var(--space-xl);
  align-items: center;
}

.hero h1 {
  color: var(--color-white);
}

.hero__eyebrow {
  color: rgba(255, 255, 255, 0.75);
}

.hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: var(--space-md);
}

.hero__figure {
  position: relative;
  border-radius: var(--border-radius-large);
  overflow: hidden;
  box-shadow: var(--shadow-soft);
}

.hero__figure img {
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  object-position: top center;
}

.hero__pathways {
  display: flex;
  gap: 14px;
  margin-top: var(--space-lg);
  flex-wrap: wrap;
}

.hero__pathway-chip {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 16px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.25);
  font-size: 0.9rem;
  color: var(--color-white);
}

/* ---------- Trust bar ---------- */
.trust-bar {
  background: var(--color-white);
  border-bottom: 1px solid var(--color-border);
}

.trust-bar__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-md);
  padding: var(--space-lg) 0;
}

.trust-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}

.trust-item__icon {
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--color-light);
  color: var(--color-navy);
  display: flex;
  align-items: center;
  justify-content: center;
}

.trust-item h4 {
  margin-bottom: 2px;
  font-size: 1rem;
}

.trust-item p {
  margin-bottom: 0;
  font-size: 0.9rem;
  color: var(--color-body-light);
}

/* ---------- Pathway split ---------- */
.pathway-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-lg);
}

.pathway-card {
  position: relative;
  padding: var(--space-lg);
  border-radius: var(--border-radius-large);
  border: 1px solid var(--color-border);
  background: var(--color-white);
  box-shadow: var(--shadow-card);
  display: flex;
  flex-direction: column;
  height: 100%;
}

.pathway-card--mortgages {
  border-top: 4px solid var(--color-navy);
}

.pathway-card--protection {
  border-top: 4px solid var(--color-protection);
}

.pathway-card__icon {
  width: 56px;
  height: 56px;
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-md);
  color: var(--color-white);
}

.pathway-card--mortgages .pathway-card__icon {
  background: var(--color-navy);
}

.pathway-card--protection .pathway-card__icon {
  background: var(--color-protection);
}

.pathway-card__list {
  list-style: none;
  padding: 0;
  margin: var(--space-sm) 0 var(--space-md);
  display: grid;
  gap: 8px;
}

.pathway-card__list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.95rem;
  color: var(--color-body-light);
}

.pathway-card__list li::before {
  content: "";
  width: 6px;
  height: 6px;
  border-radius: 50%;
  margin-top: 8px;
  flex-shrink: 0;
}

.pathway-card--mortgages .pathway-card__list li::before {
  background: var(--color-navy);
}

.pathway-card--protection .pathway-card__list li::before {
  background: var(--color-protection);
}

.pathway-card__actions {
  margin-top: auto;
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

/* ---------- Cards (services / mortgage & protection types) ---------- */
.card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-md);
}

.card-grid--2 {
  grid-template-columns: repeat(2, 1fr);
}

.card-grid--4 {
  grid-template-columns: repeat(4, 1fr);
}

/* Five-column row of varying tile widths, kept to a single line on desktop. */
.card-grid--varied-5 {
  grid-template-columns: 1.3fr 0.85fr 1fr 1.5fr 0.95fr;
}

.card-grid--5 {
  grid-template-columns: repeat(5, 1fr);
}

/* Centres a 4th tile that would otherwise sit alone at the left on a 3-column grid. */
.card-grid--center-last-of-4 > :nth-child(4):last-child {
  grid-column: 2 / span 1;
}

/* Row of tiles that wraps and stays centred (e.g. 3 on top, 2 beneath). */
.tile-row {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: var(--space-md);
}

.tile-row > * {
  flex: 0 1 calc((100% - 2 * var(--space-md)) / 3);
}

.service-card {
  position: relative;
  overflow: hidden;
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--border-radius-medium);
  padding: var(--space-md);
  height: 100%;
  display: flex;
  flex-direction: column;
  transition: transform var(--transition-standard), box-shadow var(--transition-standard), background var(--transition-standard);
}

.service-card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 4px;
  background: linear-gradient(90deg, var(--color-navy), var(--color-navy-light));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.35s ease;
}

.service-card--protection::before {
  background: linear-gradient(90deg, var(--color-protection), var(--color-protection-light));
}

.service-card--insurance::before {
  background: linear-gradient(90deg, var(--color-insurance), var(--color-insurance-light));
}

.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-soft);
  background: linear-gradient(180deg, var(--color-white) 0%, var(--color-light) 100%);
}

.service-card:hover::before {
  transform: scaleX(1);
}

/* ---------- Decorative section background (ring motif on a light section) ---------- */
.section--decorated {
  position: relative;
  overflow: hidden;
}

.section--decorated .container {
  position: relative;
  z-index: 1;
}

.section--decorated__rings {
  position: absolute;
  top: 50%;
  right: -180px;
  width: 560px;
  height: 560px;
  transform: translateY(-50%) rotate(-18deg);
  z-index: 0;
  pointer-events: none;
}

.section--decorated__rings .ring-motif:nth-child(1) { inset: 0; }
.section--decorated__rings .ring-motif:nth-child(2) { inset: 55px; }
.section--decorated__rings .ring-motif:nth-child(3) { inset: 110px; border-color: rgba(150, 105, 44, 0.14); }

.section--decorated__photo {
  position: absolute;
  inset: 0;
  width: 55%;
  z-index: 0;
  overflow: hidden;
  pointer-events: none;
}

.section--decorated__photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.22;
  -webkit-mask-image: linear-gradient(to right, black 0%, black 45%, transparent 90%), linear-gradient(to bottom, transparent 0%, black 15%, black 85%, transparent 100%);
  -webkit-mask-composite: source-in;
  mask-image: linear-gradient(to right, black 0%, black 45%, transparent 90%), linear-gradient(to bottom, transparent 0%, black 15%, black 85%, transparent 100%);
  mask-composite: intersect;
}

.service-card__icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--color-light);
  color: var(--color-navy);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-sm);
}

.service-card--protection .service-card__icon {
  color: var(--color-protection);
  background: #f6efe4;
}

.service-card--insurance .service-card__icon {
  color: var(--color-insurance);
  background: #eaf0f2;
}

.service-card h3 {
  font-size: 1.15rem;
}

.service-card p {
  color: var(--color-body-light);
  font-size: 0.95rem;
  flex-grow: 1;
}

.service-card__link {
  font-weight: 600;
  font-size: 0.92rem;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: var(--space-xs);
}

/* ---------- Photo nav tile (image + gradient overlay, links to another page) ---------- */
.photo-tile {
  position: relative;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  min-height: 280px;
  border-radius: var(--border-radius-medium);
  overflow: hidden;
  isolation: isolate;
  color: var(--color-white);
  box-shadow: var(--shadow-card);
  transition: transform var(--transition-standard), box-shadow var(--transition-standard);
}

.photo-tile:hover,
.photo-tile:focus-visible {
  transform: translateY(-4px);
  box-shadow: var(--shadow-soft);
}

.photo-tile__image {
  position: absolute;
  inset: 0;
  z-index: -2;
}

.photo-tile__image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s ease;
}

.photo-tile:hover .photo-tile__image img,
.photo-tile:focus-visible .photo-tile__image img {
  transform: scale(1.08);
}

.photo-tile::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background: linear-gradient(180deg, rgba(9, 19, 32, 0.05) 0%, rgba(9, 19, 32, 0.6) 62%, rgba(8, 16, 27, 0.94) 100%);
}

.photo-tile--protection::after {
  background: linear-gradient(180deg, rgba(58, 40, 14, 0.08) 0%, rgba(58, 40, 14, 0.62) 62%, rgba(43, 29, 9, 0.94) 100%);
}

.photo-tile--insurance::after {
  background: linear-gradient(180deg, rgba(22, 36, 42, 0.08) 0%, rgba(22, 36, 42, 0.62) 62%, rgba(15, 26, 31, 0.94) 100%);
}

.photo-tile__content {
  position: relative;
  z-index: 1;
  padding: var(--space-md);
}

.photo-tile__icon {
  display: inline-block;
  font-size: 1.4rem;
  margin-bottom: 8px;
  filter: drop-shadow(0 2px 6px rgba(0, 0, 0, 0.4));
}

.photo-tile h3 {
  color: var(--color-white);
  margin-bottom: 6px;
  text-shadow: 0 1px 10px rgba(0, 0, 0, 0.4);
}

.photo-tile p {
  color: rgba(255, 255, 255, 0.9);
  font-size: 0.92rem;
  margin-bottom: 10px;
  text-shadow: 0 1px 8px rgba(0, 0, 0, 0.35);
}

.photo-tile__link {
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--color-white);
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

/* ---------- Photo frame (real photography, drop-in for .photo-placeholder) ---------- */
.photo-frame {
  position: relative;
  border-radius: var(--border-radius-large);
  overflow: hidden;
  min-height: 260px;
  box-shadow: var(--shadow-card);
}

.photo-frame img {
  display: block;
  width: 100%;
  height: 100%;
  min-height: 260px;
  object-fit: cover;
}

/* ---------- Meet Harpreet ---------- */
.adviser-intro {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: var(--space-xl);
  align-items: center;
}

.adviser-intro__figure img {
  border-radius: var(--border-radius-large);
  box-shadow: var(--shadow-soft);
  aspect-ratio: 3 / 4;
  object-fit: cover;
  object-position: top center;
}

.adviser-intro__role {
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 1.05rem;
  color: var(--color-navy);
  margin-bottom: var(--space-md);
}

.adviser-intro__role span {
  display: block;
  font-family: var(--font-body);
  font-weight: 500;
  font-size: 0.85rem;
  color: var(--color-body-light);
  margin-top: 2px;
}

.adviser-intro__quals {
  list-style: none;
  padding: 0;
  margin: var(--space-md) 0;
  display: grid;
  gap: 10px;
}

.adviser-intro__quals li {
  display: flex;
  gap: 10px;
  font-size: 0.95rem;
  color: var(--color-body-light);
}

/* ---------- How it works ---------- */
.process-steps {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: var(--space-md);
  counter-reset: step;
}

.process-step {
  position: relative;
  padding-top: 52px;
}

.process-step::before {
  counter-increment: step;
  content: counter(step);
  position: absolute;
  top: 0;
  left: 0;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--color-navy);
  color: var(--color-white);
  font-family: var(--font-heading);
  font-weight: 600;
  display: flex;
  align-items: center;
  justify-content: center;
}

.process-steps--protection .process-step::before {
  background: var(--color-protection);
}

.process-step--tile {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--border-radius-medium);
  padding: var(--space-md);
  padding-top: 52px;
  transition: transform var(--transition-standard), box-shadow var(--transition-standard), background var(--transition-standard);
}

.process-step--tile:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-soft);
  background: linear-gradient(180deg, var(--color-white) 0%, var(--color-light) 100%);
}

.process-steps--center {
  grid-template-columns: repeat(4, 1fr);
  max-width: 1000px;
  margin-inline: auto;
  text-align: center;
}

.process-steps--center .process-step,
.process-steps--center .process-step--tile {
  padding-top: var(--space-md);
}

.process-steps--center .process-step::before {
  display: none;
}

@media (max-width: 860px) {
  .process-steps--center {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 520px) {
  .process-steps--center {
    grid-template-columns: 1fr;
  }
}

.process-step h4 {
  font-size: 1rem;
}

.process-step p {
  font-size: 0.92rem;
  color: var(--color-body-light);
  margin-bottom: 0;
}

/* ---------- Numbered step grid (clear, boxed steps) ---------- */
.step-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-md);
  counter-reset: step;
}

.step-grid__item {
  position: relative;
  overflow: hidden;
  background: var(--color-light);
  border: 1px solid var(--color-border);
  border-radius: var(--border-radius-medium);
  padding: var(--space-md);
  padding-top: 62px;
  transition: transform var(--transition-standard), box-shadow var(--transition-standard), background var(--transition-standard);
}

.step-grid__item::before {
  counter-increment: step;
  content: "Option " counter(step);
  position: absolute;
  top: var(--space-md);
  left: var(--space-md);
  padding: 6px 14px;
  border-radius: 999px;
  background: var(--color-navy);
  color: var(--color-white);
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.82rem;
  letter-spacing: 0.01em;
}

.step-grid__item::after {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 4px;
  background: linear-gradient(90deg, var(--color-navy), var(--color-navy-light));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.35s ease;
}

.step-grid__item:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-soft);
  background: linear-gradient(180deg, var(--color-white) 0%, var(--color-light) 100%);
}

.step-grid__item:hover::after {
  transform: scaleX(1);
}

.step-grid__item p {
  margin-bottom: 0;
}

/* ---------- Calculator ---------- */
.calculator-panel {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--border-radius-large);
  box-shadow: var(--shadow-soft);
  padding: var(--space-lg);
}

.calculator-panel__badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #fdf3e3;
  color: #8a5a10;
  font-size: 0.8rem;
  font-weight: 600;
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: var(--space-sm);
}

.calculator-form {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-sm);
  margin-top: var(--space-md);
}

.calculator-form .form-field--full {
  grid-column: 1 / -1;
}

.calculator-result {
  margin-top: var(--space-md);
  padding: var(--space-md);
  border-radius: var(--border-radius-medium);
  background: var(--color-light);
  border: 1px dashed var(--color-grey-light);
  text-align: center;
}

.calculator-result__figure {
  font-family: var(--font-heading);
  font-size: 2.2rem;
  color: var(--color-navy);
  font-weight: 600;
}

/* ---------- Forms ---------- */
.form-field {
  margin-bottom: var(--space-sm);
}

.form-field label {
  display: block;
  font-weight: 600;
  font-size: 0.92rem;
  margin-bottom: 6px;
  color: var(--color-dark);
}

.form-field .required-indicator {
  color: var(--color-error);
}

.form-control {
  width: 100%;
  padding: 12px 14px;
  border-radius: var(--border-radius-small);
  border: 1.5px solid var(--color-border);
  font-family: var(--font-body);
  font-size: 0.98rem;
  background: var(--color-white);
  color: var(--color-dark);
  transition: border-color var(--transition-standard), box-shadow var(--transition-standard);
  min-height: 48px;
}

textarea.form-control {
  min-height: 140px;
  resize: vertical;
}

.form-control:focus {
  outline: none;
  border-color: var(--color-navy);
  box-shadow: 0 0 0 4px rgba(28, 58, 94, 0.12);
}

.form-hint {
  font-size: 0.82rem;
  color: var(--color-body-light);
  margin-top: 4px;
}

.form-success,
.form-error {
  padding: 14px 16px;
  border-radius: var(--border-radius-small);
  font-size: 0.92rem;
  margin-top: var(--space-sm);
  display: none;
}

.form-success {
  background: #e9f3ed;
  color: var(--color-success);
  border: 1px solid #bfe0cc;
}

.form-error {
  background: #f8ebe9;
  color: var(--color-error);
  border: 1px solid #ecc3bf;
}

.form-success.is-visible,
.form-error.is-visible {
  display: block;
}

fieldset {
  border: none;
  padding: 0;
  margin: 0;
}

.radio-group {
  display: flex;
  gap: var(--space-md);
  flex-wrap: wrap;
}

.radio-option {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.95rem;
}

.radio-option input {
  width: 18px;
  height: 18px;
}

/* ---------- Testimonials ---------- */
.testimonial-card {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--border-radius-medium);
  padding: var(--space-md);
  height: 100%;
  display: flex;
  flex-direction: column;
}

.testimonial-card__stars {
  color: #c98f1f;
  letter-spacing: 2px;
  margin-bottom: var(--space-xs);
}

.testimonial-card__quote {
  font-style: italic;
  color: var(--color-body);
  flex-grow: 1;
}

.testimonial-card__meta {
  margin-top: var(--space-sm);
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--color-dark);
}

.testimonial-card__meta span {
  display: block;
  font-weight: 400;
  font-size: 0.82rem;
  color: var(--color-body-light);
}

.rating-banner {
  display: flex;
  align-items: center;
  gap: var(--space-md);
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--border-radius-large);
  padding: var(--space-md) var(--space-lg);
}

.rating-banner__score {
  font-family: var(--font-heading);
  font-size: 2.75rem;
  color: var(--color-navy);
  font-weight: 700;
}

/* ---------- Case studies ---------- */
.case-study-card {
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--border-radius-large);
  padding: var(--space-lg);
  margin-bottom: var(--space-lg);
}

.case-study-card__tag {
  display: inline-block;
  background: var(--color-light);
  color: var(--color-navy);
  font-size: 0.78rem;
  font-weight: 600;
  padding: 5px 12px;
  border-radius: 999px;
  margin-bottom: var(--space-sm);
}

/* ---------- FAQ (accordion) ---------- */
.accordion-item {
  border: 1px solid var(--color-border);
  border-radius: var(--border-radius-medium);
  margin-bottom: 12px;
  overflow: hidden;
}

.accordion-button {
  width: 100%;
  text-align: left;
  padding: 18px 20px;
  background: var(--color-white);
  border: none;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 1rem;
  color: var(--color-dark);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: var(--space-sm);
  cursor: pointer;
}

.accordion-button .accordion-icon {
  flex-shrink: 0;
  transition: transform var(--transition-standard);
  font-size: 1.1rem;
  color: var(--color-navy);
}

.accordion-button[aria-expanded="true"] .accordion-icon {
  transform: rotate(45deg);
}

.accordion-panel {
  padding: 0 20px;
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--transition-standard), padding var(--transition-standard);
}

.accordion-panel.is-open {
  padding: 0 20px 20px;
}

.accordion-panel p:last-child {
  margin-bottom: 0;
}

/* ---------- Comparison table ---------- */
.table-wrap {
  overflow-x: auto;
  border: 1px solid var(--color-border);
  border-radius: var(--border-radius-medium);
}

.compare-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 640px;
  font-size: 0.92rem;
}

.compare-table th,
.compare-table td {
  padding: 14px 16px;
  text-align: left;
  border-bottom: 1px solid var(--color-border);
}

.compare-table thead th {
  background: var(--color-navy);
  color: var(--color-white);
  font-weight: 600;
}

.compare-table--protection thead th {
  background: var(--color-protection);
}

.compare-table tbody tr:last-child td {
  border-bottom: none;
}

.compare-table .cell-yes {
  color: var(--color-success);
  font-weight: 700;
}

.compare-table .cell-no {
  color: var(--color-body-light);
}

/* ---------- CTA banner ---------- */
.cta-banner {
  background: var(--color-navy);
  color: var(--color-white);
  border-radius: var(--border-radius-large);
  padding: var(--space-lg);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-md);
  flex-wrap: wrap;
}

.cta-banner h2,
.cta-banner h3 {
  color: var(--color-white);
  margin-bottom: 4px;
}

.cta-banner p {
  margin-bottom: 0;
  color: rgba(255, 255, 255, 0.82);
}

.cta-banner > div:not(.cta-banner__disclaimer) > p + p {
  margin-top: 0.75em;
}

.cta-banner__disclaimer {
  flex-basis: 100%;
  margin-top: var(--space-md);
  padding-top: var(--space-md);
  border-top: 1px solid rgba(255, 255, 255, 0.22);
  font-size: 0.82rem;
}

.cta-banner__disclaimer p {
  color: rgba(255, 255, 255, 0.72);
}

.cta-banner__disclaimer p:not(:last-child) {
  margin-bottom: 8px;
}

.cta-banner--protection {
  background: var(--color-protection);
}

.cta-banner--insurance {
  background: var(--color-insurance);
}

/* ---------- Breadcrumbs ---------- */
.breadcrumbs {
  padding: 18px 0;
  font-size: 0.85rem;
  color: var(--color-body-light);
}

.breadcrumbs ol {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  padding: 0;
  margin: 0;
}

.breadcrumbs li:not(:last-child)::after {
  content: "/";
  margin-left: 6px;
  color: var(--color-grey-light);
}

.breadcrumbs a {
  color: var(--color-body-light);
}

.breadcrumbs a:hover {
  color: var(--color-navy);
}

.breadcrumbs [aria-current="page"] {
  color: var(--color-dark);
  font-weight: 600;
}

/* ---------- Page hero (inner pages) ---------- */
.page-hero {
  padding: 56px 0;
  background: var(--color-light);
  border-bottom: 1px solid var(--color-border);
}

.page-hero--protection {
  background: #f8f1e6;
}

.page-hero--insurance {
  background: #eef3f4;
}

.page-hero__meta {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin-top: var(--space-sm);
}

.badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 14px;
  border-radius: 999px;
  background: var(--color-white);
  border: 1px solid var(--color-border);
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--color-body);
}

/* ---------- Warning / disclaimer boxes ---------- */
.notice-box {
  background: #fdf3e8;
  border-left: 4px solid var(--color-protection);
  border-radius: var(--border-radius-small);
  padding: var(--space-sm) var(--space-md);
  font-size: 0.92rem;
  color: #6b4a1a;
  margin: var(--space-md) 0;
}

.disclaimer-box {
  background: var(--color-light);
  border-radius: var(--border-radius-medium);
  padding: var(--space-md);
  font-size: 0.85rem;
  color: var(--color-body-light);
  margin-top: var(--space-lg);
  margin-bottom: var(--space-lg);
}

.disclaimer-box p:last-child {
  margin-bottom: 0;
}

/* ---------- Two column content ---------- */
.content-columns {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-xl);
  align-items: start;
}

.content-columns:has(.photo-frame) {
  align-items: center;
}

/* ---------- Media stack (photo + supporting pull-quote, used in "How We Can Help" sections) ---------- */
.media-stack {
  display: flex;
  flex-direction: column;
  gap: var(--space-md);
}

.media-stack .photo-frame {
  min-height: 320px;
}

.media-stack .testimonial-card {
  height: auto;
}

.content-columns--reverse {
  direction: rtl;
}

.content-columns--reverse > * {
  direction: ltr;
}

.check-list {
  list-style: none;
  padding: 0;
  margin: var(--space-sm) 0;
  display: grid;
  gap: 10px;
}

.check-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.98rem;
}

.check-list li::before {
  content: "✓";
  flex-shrink: 0;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--color-light);
  color: var(--color-navy);
  font-size: 0.75rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 2px;
}

.check-list--center {
  justify-items: center;
}

.check-list--center li {
  justify-content: center;
}

.check-list--2col {
  grid-template-columns: repeat(2, 1fr);
  column-gap: var(--space-lg);
}

.check-list--protection li::before {
  color: var(--color-protection);
  background: #f6efe4;
}

.check-list--insurance li::before {
  color: var(--color-insurance);
  background: #eaf0f2;
}

/* ---------- Footer ---------- */
.site-footer {
  background: var(--color-dark);
  color: rgba(255, 255, 255, 0.75);
  padding-top: var(--space-xl);
}

.site-footer a {
  color: rgba(255, 255, 255, 0.75);
}

.site-footer a:hover {
  color: var(--color-white);
}

.site-footer h4 {
  color: var(--color-white);
  font-size: 0.95rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: var(--space-sm);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: var(--space-lg);
  padding-bottom: var(--space-lg);
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

.footer-brand__logo {
  height: 50px;
  width: auto;
  margin-bottom: var(--space-sm);
}

.footer-nav {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 8px;
  font-size: 0.92rem;
}

.footer-regulatory {
  padding: var(--space-lg) 0;
  font-size: 0.8rem;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.55);
}

.footer-regulatory p {
  margin-bottom: var(--space-xs);
}

.footer-bottom {
  padding: var(--space-md) 0;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: var(--space-sm);
  flex-wrap: wrap;
  font-size: 0.82rem;
}

.footer-bottom-links {
  list-style: none;
  display: flex;
  gap: var(--space-md);
  padding: 0;
  margin: 0;
}

/* ---------- Photography placeholder ---------- */
/* Used where the brief calls for licensed lifestyle photography that has not
   been supplied. Clearly labelled rather than left blank or faked. */
.photo-placeholder {
  position: relative;
  border-radius: var(--border-radius-large);
  overflow: hidden;
  min-height: 260px;
  display: flex;
  align-items: flex-end;
  background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-navy-light) 55%, var(--color-grey) 130%);
  color: var(--color-white);
  box-shadow: var(--shadow-card);
}

.photo-placeholder--protection {
  background: linear-gradient(135deg, var(--color-protection) 0%, var(--color-protection-light) 60%, #d9c39b 130%);
}

.photo-placeholder--insurance {
  background: linear-gradient(135deg, var(--color-insurance) 0%, var(--color-insurance-light) 60%, #b9cdd3 130%);
}

.photo-placeholder::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle at 20% 20%, rgba(255, 255, 255, 0.18), transparent 45%),
    radial-gradient(circle at 85% 75%, rgba(255, 255, 255, 0.12), transparent 40%);
}

.photo-placeholder__label {
  position: relative;
  padding: 18px 20px;
  font-size: 0.82rem;
  line-height: 1.5;
  background: rgba(12, 16, 22, 0.32);
  width: 100%;
}

.photo-placeholder__label strong {
  display: block;
  font-family: var(--font-heading);
  font-size: 0.95rem;
  margin-bottom: 2px;
}

/* ==================================================================
   Homepage v2 — editorial, brand-driven components
   (icon system, ring motif, split hero, colour-block panels,
   connected timeline, pull-quotes, stat strip)
   ================================================================== */

/* ---------- Icon system (inline SVG, replaces emoji) ---------- */
.icon {
  width: 22px;
  height: 22px;
  stroke: currentColor;
  fill: none;
  stroke-width: 1.6;
  stroke-linecap: round;
  stroke-linejoin: round;
  flex-shrink: 0;
}

.icon-lg {
  width: 30px;
  height: 30px;
}

/* ---------- Brand ring motif ---------- */
/* An oval "orbit" line echoing the mark in the logo, used as a quiet
   textural device rather than a literal icon. Decorative only. */
.ring-motif {
  position: absolute;
  border: 1.5px solid rgba(255, 255, 255, 0.16);
  border-radius: 50%;
  pointer-events: none;
}

.ring-motif--light {
  border-color: rgba(28, 58, 94, 0.1);
}

.ring-motif--protection {
  border-color: rgba(150, 105, 44, 0.16);
}

/* ---------- Header refinement ---------- */
.site-header {
  border-bottom: 1px solid var(--color-border);
}

/* ---------- Hero v2 ---------- */
/* min-height: 100vh (with a 100svh override for browsers that support
   the small-viewport unit) keeps the whole hero within a single screen
   on first load, with the header floating transparently on top of it. */
.hero-v2 {
  position: relative;
  min-height: 100vh;
  min-height: 100svh;
  display: flex;
  align-items: center;
  background: var(--color-navy-dark) url("../images/hero-family-signing-documents.jpg") center 30% / cover no-repeat;
  color: rgba(255, 255, 255, 0.92);
  overflow: hidden;
  padding-top: 96px;
  padding-bottom: 20px;
}

.hero-v2 > .container {
  width: 100%;
}

.hero-v2::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(105deg, rgba(8, 17, 30, 0.92) 0%, rgba(13, 27, 45, 0.82) 28%, rgba(19, 40, 65, 0.6) 52%, rgba(28, 58, 94, 0.34) 78%, rgba(28, 58, 94, 0.22) 100%),
    linear-gradient(0deg, rgba(8, 17, 30, 0.55) 0%, rgba(8, 17, 30, 0) 30%);
  z-index: 0;
}

.hero-v2__rings {
  position: absolute;
  top: -140px;
  right: -160px;
  width: 620px;
  height: 620px;
  z-index: 0;
  transform: rotate(-18deg);
}

.hero-v2__rings .ring-motif:nth-child(1) { inset: 0; }
.hero-v2__rings .ring-motif:nth-child(2) { inset: 60px; }
.hero-v2__rings .ring-motif:nth-child(3) { inset: 120px; border-color: rgba(150, 105, 44, 0.35); }

.hero-v2__inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: var(--space-xl);
  align-items: center;
}

.hero-v2 h1 {
  color: var(--color-white);
  font-size: clamp(2.15rem, 4vw, 3.4rem);
  max-width: 18ch;
  margin-bottom: var(--space-sm);
}

.hero-v2__lead {
  font-size: 1.1rem;
  color: rgba(255, 255, 255, 0.78);
  max-width: 46ch;
  margin-bottom: var(--space-md);
}

.hero-v2__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
}

/* ---------- Hero enquiry form card ---------- */
.hero-form-card {
  position: relative;
  background: rgba(18, 26, 38, 0.55);
  backdrop-filter: blur(18px);
  -webkit-backdrop-filter: blur(18px);
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: var(--border-radius-large);
  padding: var(--space-sm) var(--space-lg);
  box-shadow: 0 30px 60px rgba(6, 12, 22, 0.35);
}

.hero-form-card .form-field {
  margin-bottom: 10px;
}

.hero-form-card h2 {
  color: var(--color-white);
  font-size: 1.35rem;
  margin-bottom: 4px;
}

.hero-form-card__intro {
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.88rem;
  margin-bottom: var(--space-sm);
}

.hero-form-card .form-control {
  min-height: 42px;
  padding: 9px 14px;
}

.hero-form-card textarea.form-control {
  min-height: 56px;
}

.hero-form-card .btn {
  min-height: 42px;
  padding: 11px 24px;
}

.hero-form-card .form-field label {
  color: rgba(255, 255, 255, 0.85);
  font-weight: 500;
}

.hero-form-card .form-control {
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(255, 255, 255, 0.3);
  color: var(--color-white);
}

.hero-form-card .form-control::placeholder {
  color: rgba(255, 255, 255, 0.45);
}

.hero-form-card .form-control:focus {
  border-color: #d9c39b;
  box-shadow: 0 0 0 4px rgba(217, 195, 155, 0.18);
  background: rgba(255, 255, 255, 0.12);
}

.hero-form-card .form-hint {
  color: rgba(255, 255, 255, 0.55);
}

.hero-form-card .form-success {
  background: rgba(47, 106, 76, 0.35);
  border-color: rgba(47, 106, 76, 0.6);
  color: #d7f0e0;
}

/* ---------- Stat strip (replaces boxed icon trust bar) ---------- */
.stat-strip {
  position: relative;
  z-index: 1;
  display: flex;
  flex-wrap: wrap;
  border-top: 1px solid rgba(255, 255, 255, 0.14);
  margin-top: var(--space-xl);
}

.stat-strip__item {
  flex: 1 1 220px;
  padding: var(--space-md) var(--space-lg) var(--space-md) 0;
  border-right: 1px solid rgba(255, 255, 255, 0.14);
  display: flex;
  align-items: center;
  gap: 14px;
}

.stat-strip__item:last-child {
  border-right: none;
}

.stat-strip__item .icon {
  color: #d9c39b;
}

.stat-strip__item strong {
  display: block;
  font-family: var(--font-heading);
  font-size: 1.05rem;
  color: var(--color-white);
  font-weight: 600;
}

.stat-strip__item span {
  font-size: 0.84rem;
  color: rgba(255, 255, 255, 0.65);
}

/* ---------- Split panel (Mortgages / Protection colour blocks) ---------- */
.split-panels {
  display: grid;
  grid-template-columns: 1fr 1fr;
}

.split-panel {
  position: relative;
  min-height: 560px;
  display: flex;
  align-items: flex-end;
  padding: var(--space-xl) var(--space-lg);
  overflow: hidden;
  color: var(--color-white);
}

.split-panel__bg {
  position: absolute;
  inset: 0;
  z-index: 0;
  background: center / cover no-repeat;
  transform: scale(1);
  transition: transform 0.8s ease;
}

.split-panel--navy .split-panel__bg {
  background-image: url("../images/tile-mortgages-family.jpg");
}

.split-panel--bronze .split-panel__bg {
  background-image: url("../images/tile-protection-family.jpg");
}

.split-panel:hover .split-panel__bg {
  transform: scale(1.06);
}

.split-panel::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 0;
}

.split-panel--navy::after {
  background: linear-gradient(195deg, rgba(9, 19, 32, 0.72) 0%, rgba(11, 23, 39, 0.9) 55%, rgba(8, 16, 27, 0.97) 100%);
}

.split-panel--bronze::after {
  background: linear-gradient(195deg, rgba(58, 40, 14, 0.72) 0%, rgba(64, 44, 15, 0.9) 55%, rgba(43, 29, 9, 0.97) 100%);
}

.split-panel__content {
  position: relative;
  z-index: 1;
  max-width: 440px;
}

.split-panel__content h2,
.split-panel__content p,
.split-panel__content li {
  text-shadow: 0 1px 12px rgba(0, 0, 0, 0.35);
}

.split-panel h2 {
  color: var(--color-white);
}

.split-panel p {
  color: rgba(255, 255, 255, 0.92);
}

.split-panel__list {
  list-style: none;
  padding: 0;
  margin: var(--space-md) 0 var(--space-lg);
  display: grid;
  gap: 10px;
}

.split-panel__list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.95rem;
  color: rgba(255, 255, 255, 0.88);
}

.split-panel__list .icon {
  width: 18px;
  height: 18px;
  margin-bottom: 0;
  margin-top: 3px;
  color: #d9c39b;
}

.split-panel--navy .split-panel__list .icon {
  color: #9fb6cf;
}

.split-panel__actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

/* ---------- Product card grid (photo-led, no icons) ---------- */
.product-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-md);
}

.product-grid--3 {
  grid-template-columns: repeat(3, 1fr);
}

.product-card {
  display: flex;
  flex-direction: column;
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--border-radius-medium);
  overflow: hidden;
  box-shadow: var(--shadow-card);
  transition: transform var(--transition-standard), box-shadow var(--transition-standard);
}

.product-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-soft);
}

.product-card__image {
  aspect-ratio: 4 / 3;
  overflow: hidden;
}

.product-card__image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s ease;
}

.product-card:hover .product-card__image img {
  transform: scale(1.08);
}

.product-card__body {
  padding: var(--space-md);
  flex-grow: 1;
  display: flex;
  flex-direction: column;
}

.product-card__body h3 {
  font-size: 1.05rem;
  margin-bottom: 6px;
}

.product-card__body p {
  font-size: 0.9rem;
  color: var(--color-body-light);
  flex-grow: 1;
}

.product-card .case-study-card__tag {
  align-self: flex-start;
  margin-bottom: 10px;
}

/* ---------- Case study modal ---------- */
.cs-modal[hidden] {
  display: none;
}

.cs-modal {
  position: fixed;
  inset: 0;
  z-index: 1200;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: var(--space-md);
}

.cs-modal__overlay {
  position: absolute;
  inset: 0;
  background: rgba(6, 12, 22, 0.62);
}

.cs-modal__dialog {
  position: relative;
  background: var(--color-white);
  border-radius: var(--border-radius-large);
  width: 100%;
  max-width: 760px;
  max-height: 88vh;
  display: flex;
  flex-direction: column;
  box-shadow: 0 30px 60px rgba(6, 12, 22, 0.35);
}

.cs-modal__close {
  position: absolute;
  top: 10px;
  right: 14px;
  width: 40px;
  height: 40px;
  border: none;
  background: transparent;
  font-size: 1.9rem;
  line-height: 1;
  color: var(--color-body-light);
  cursor: pointer;
}

.cs-modal__close:hover {
  color: var(--color-navy);
}

.cs-modal__content {
  overflow-y: auto;
  padding: var(--space-lg);
}

.cs-modal__content h2 {
  margin-top: 6px;
  padding-right: var(--space-lg);
}

.cs-modal__content > p:last-child {
  margin-bottom: 0;
}

body.cs-modal-open {
  overflow: hidden;
}

.product-card__link {
  font-weight: 600;
  font-size: 0.88rem;
  color: var(--color-navy);
  margin-top: var(--space-xs);
}

.product-card:hover .product-card__link {
  text-decoration: underline;
}

/* ---------- Product carousel ---------- */
.carousel {
  position: relative;
  padding: 0 44px;
}

.carousel__viewport {
  overflow: hidden;
}

.carousel__track {
  display: flex;
  align-items: stretch;
  gap: var(--space-md);
  overflow-x: auto;
  scroll-snap-type: x mandatory;
  scroll-behavior: smooth;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
  padding: 4px 4px 12px;
  margin: -4px -4px -12px;
}

.carousel__track::-webkit-scrollbar {
  display: none;
}

.carousel__track .product-card {
  flex: 0 0 calc(88% - var(--space-md));
  scroll-snap-align: start;
  opacity: 0.55;
  transition: opacity 0.35s ease, box-shadow 0.35s ease;
}

.carousel__track .product-card.is-active {
  opacity: 1;
  box-shadow: var(--shadow-soft);
}

@media (min-width: 576px) {
  .carousel__track .product-card {
    flex-basis: calc((100% - var(--space-md)) / 2);
  }
}

@media (min-width: 992px) {
  .carousel__track .product-card {
    flex-basis: calc((100% - 3 * var(--space-md)) / 4);
  }
}

.carousel__arrow {
  position: absolute;
  top: calc(50% - 24px);
  transform: translateY(-50%);
  z-index: 2;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  border: 1px solid var(--color-border);
  background: var(--color-white);
  color: var(--color-navy);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  box-shadow: var(--shadow-card);
  transition: background var(--transition-standard), color var(--transition-standard), box-shadow var(--transition-standard);
}

.carousel__arrow:hover {
  background: var(--color-navy);
  color: var(--color-white);
  box-shadow: var(--shadow-soft);
}

.carousel__arrow svg {
  width: 20px;
  height: 20px;
  fill: none;
  stroke: currentColor;
  stroke-width: 2;
}

.carousel__arrow--prev {
  left: 0;
}

.carousel__arrow--next {
  right: 0;
}

@media (max-width: 480px) {
  .carousel {
    padding: 0 40px;
  }

  .carousel__arrow {
    width: 40px;
    height: 40px;
  }
}

.carousel__dots {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 8px;
  margin-top: var(--space-md);
}

.carousel__dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  border: none;
  padding: 0;
  background: var(--color-border);
  cursor: pointer;
  transition: background var(--transition-standard), transform var(--transition-standard);
}

.carousel__dot:hover {
  background: var(--color-navy-light, var(--color-navy));
}

.carousel__dot.is-active {
  background: var(--color-navy);
  transform: scale(1.3);
}

/* ---------- Case study preview grid (homepage, photo-led) ---------- */
.case-study-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-md);
}

.case-study-preview {
  display: flex;
  flex-direction: column;
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--border-radius-medium);
  overflow: hidden;
  box-shadow: var(--shadow-card);
  transition: transform var(--transition-standard), box-shadow var(--transition-standard);
}

.case-study-preview:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-soft);
}

.case-study-preview__image {
  aspect-ratio: 4 / 3;
  overflow: hidden;
}

.case-study-preview__image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s ease;
}

.case-study-preview:hover .case-study-preview__image img {
  transform: scale(1.08);
}

.case-study-preview__body {
  padding: var(--space-md);
  flex-grow: 1;
  display: flex;
  flex-direction: column;
}

.case-study-preview__tag {
  display: inline-block;
  align-self: flex-start;
  background: var(--color-light);
  color: var(--color-navy);
  font-size: 0.76rem;
  font-weight: 600;
  padding: 4px 12px;
  border-radius: 999px;
  margin-bottom: var(--space-xs);
}

.case-study-preview__body h3 {
  font-size: 1.05rem;
  margin-bottom: 6px;
}

.case-study-preview__body p {
  font-size: 0.9rem;
  color: var(--color-body-light);
  flex-grow: 1;
}

.case-study-preview:hover .product-card__link {
  text-decoration: underline;
}

/* ---------- Pull quote ---------- */
.pull-quote {
  position: relative;
  padding-left: var(--space-lg);
  border-left: 3px solid var(--color-protection);
}

.pull-quote__mark {
  font-family: var(--font-heading);
  font-size: 4rem;
  line-height: 0.6;
  color: var(--color-protection);
  display: block;
  margin-bottom: 10px;
}

.pull-quote p {
  font-family: var(--font-heading);
  font-size: 1.35rem;
  font-weight: 500;
  color: var(--color-dark);
  line-height: 1.45;
}

/* ---------- Connected timeline (How we work together) ---------- */
.timeline {
  position: relative;
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: var(--space-md);
  counter-reset: step;
}

.timeline::before {
  content: "";
  position: absolute;
  top: 23px;
  left: 44px;
  right: 44px;
  height: 1px;
  background: var(--color-border);
  z-index: 0;
}

.timeline-step {
  position: relative;
  z-index: 1;
}

.timeline-step__node {
  counter-increment: step;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: var(--color-white);
  border: 1.5px solid var(--color-navy);
  color: var(--color-navy);
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 1.05rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-sm);
}

.timeline-step__node::before {
  content: counter(step);
}

.timeline-step h4 {
  font-size: 1rem;
}

.timeline-step p {
  font-size: 0.9rem;
  color: var(--color-body-light);
  margin-bottom: 0;
}

/* ---------- Featured testimonial ---------- */
.featured-testimonial {
  background: var(--color-navy-dark);
  color: var(--color-white);
  border-radius: var(--border-radius-large);
  padding: var(--space-xl);
  position: relative;
  overflow: hidden;
}

.featured-testimonial::before {
  content: "";
  position: absolute;
  width: 380px;
  height: 380px;
  border: 1.5px solid rgba(255, 255, 255, 0.1);
  border-radius: 50%;
  right: -120px;
  top: -140px;
}

.featured-testimonial__stars {
  color: #d9c39b;
  letter-spacing: 3px;
  margin-bottom: var(--space-sm);
  position: relative;
  z-index: 1;
}

.featured-testimonial blockquote {
  position: relative;
  z-index: 1;
  font-family: var(--font-heading);
  font-size: clamp(1.3rem, 2.4vw, 1.75rem);
  font-weight: 500;
  line-height: 1.4;
  margin: 0 0 var(--space-md);
  max-width: 62ch;
}

.featured-testimonial cite {
  position: relative;
  z-index: 1;
  display: block;
  font-style: normal;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.9);
}

.featured-testimonial cite span {
  display: block;
  font-weight: 400;
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.55);
}

.mini-quote-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-md);
  margin-top: var(--space-md);
}

.mini-quote {
  padding: var(--space-md);
  border: 1px solid var(--color-border);
  border-radius: var(--border-radius-medium);
}

.mini-quote__stars {
  color: #c98f1f;
  letter-spacing: 2px;
  font-size: 0.85rem;
  margin-bottom: 6px;
}

.mini-quote p {
  font-size: 0.92rem;
  margin-bottom: 6px;
}

.mini-quote cite {
  font-style: normal;
  font-size: 0.82rem;
  color: var(--color-body-light);
  font-weight: 600;
}

/* ---------- Calculator promo v2 ---------- */
.calc-gauge {
  background: var(--color-white);
  border-radius: var(--border-radius-large);
  border: 1px solid var(--color-border);
  padding: var(--space-lg);
  box-shadow: var(--shadow-soft);
}

.calc-gauge__row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 6px;
}

.calc-gauge__row span:first-child {
  font-size: 0.85rem;
  color: var(--color-body-light);
}

.calc-gauge__row span:last-child {
  font-family: var(--font-heading);
  font-size: 1.4rem;
  color: var(--color-navy);
  font-weight: 600;
}

.calc-gauge__bar {
  height: 10px;
  border-radius: 999px;
  background: var(--color-light);
  overflow: hidden;
  margin-bottom: var(--space-md);
}

.calc-gauge__bar span {
  display: block;
  height: 100%;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--color-navy) 0%, var(--color-protection-light) 100%);
}

.calc-gauge__foot {
  display: flex;
  justify-content: space-between;
  font-size: 0.78rem;
  color: var(--color-body-light);
  margin-bottom: var(--space-md);
}

/* ---------- Section heading v2 (left aligned, with rule) ---------- */
.section-head-v2 {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  gap: var(--space-md);
  margin-bottom: var(--space-lg);
  padding-bottom: var(--space-md);
  border-bottom: 1px solid var(--color-border);
}

.section-head-v2 h2 {
  margin-bottom: 6px;
}

.section-head-v2 p {
  margin-bottom: 0;
  color: var(--color-body-light);
}

/* ---------- Utility ---------- */
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }
.gap-sm { gap: var(--space-sm); }

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}