/* ==========================================================================
   JCZ site-v3.css — the single authored stylesheet (2026-07-11 redesign)
   Replaces: _astro bundles, site-quality.css, site-additions.css, site-redesign.css
   Direction: "Warm premium, one accent per job, John front and centre"
   Palette (locked): navy #06224a · teal #009c9a · gold #f8bd2a
   Type: Lora (display, h1/h2) + Inter (body/UI), self-hosted variable woff2
   ========================================================================== */

/* ---------- Fonts ---------- */
@font-face {
  font-family: "Lora Variable";
  font-style: normal;
  font-weight: 400 700;
  font-display: swap;
  src: url("/fonts/lora-latin-wght-normal.woff2") format("woff2-variations");
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+2000-206F, U+2074, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: "Inter Variable";
  font-style: normal;
  font-weight: 100 900;
  font-display: swap;
  src: url("/fonts/inter-latin-wght-normal.woff2") format("woff2-variations");
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+2000-206F, U+2074, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

/* ---------- Tokens ---------- */
:root {
  --navy: #06224a;
  --navy-deep: #021735;
  --navy-2: #0c315f;
  --teal: #009c9a;
  --teal-ink: #075e63;
  --teal-tint: #eef6f5;
  --gold: #f8bd2a;
  --gold-soft: rgba(248, 189, 42, 0.18);
  --stone: #f8f6f1;
  --ink: #13233a;
  --muted: #5b6b84;
  --line: #d9e2e8;
  --soft: #f8f6f1;          /* legacy token name → stone */
  --surface: #ffffff;
  --radius: 10px;
  --radius-pill: 30px;
  --shadow-1: 0 2px 10px rgba(6, 34, 74, 0.07);
  --shadow-2: 0 14px 36px rgba(6, 34, 74, 0.14);
  --font-display: "Lora Variable", Lora, Georgia, "Times New Roman", serif;
  --font-body: "Inter Variable", Inter, system-ui, -apple-system, "Segoe UI", sans-serif;
  --pad-section: clamp(56px, 8vw, 112px);
  --pad-section-sm: clamp(40px, 6vw, 80px);
  --pad-x: clamp(18px, 5vw, 64px);
  --measure: 760px;
  --wide: 1180px;
}

/* ---------- Reset / base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 90px; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--surface);
  font-feature-settings: "kern";
  text-rendering: optimizeLegibility;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
picture { display: block; }
a { color: var(--teal-ink); text-decoration: none; }
a:hover { color: var(--teal); }
p { margin: 0 0 1em; }
p:last-child { margin-bottom: 0; }
ul, ol { margin: 0 0 1.2em; padding-left: 1.3em; }
li { margin-bottom: 0.45em; }
blockquote { margin: 0; }
hr { border: 0; border-top: 1px solid var(--line); margin: 32px 0; }
[hidden] { display: none !important; }
strong { font-weight: 650; }
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}
:focus-visible { outline: 3px solid var(--teal); outline-offset: 2px; border-radius: 4px; }
::selection { background: var(--gold-soft); }

/* ---------- Type scale ---------- */
h1, h2, h3, h4 { color: var(--navy); margin: 0 0 0.5em; text-wrap: balance; }
h1 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(38px, 5vw, 60px);
  line-height: 1.08;
  letter-spacing: -0.01em;
}
h2 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(28px, 3.2vw, 40px);
  line-height: 1.16;
  letter-spacing: -0.005em;
}
h3 { font-family: var(--font-body); font-weight: 600; font-size: 22px; line-height: 1.3; }
h4 { font-family: var(--font-body); font-weight: 600; font-size: 18px; line-height: 1.35; }
.eyebrow {
  font-family: var(--font-body);
  font-size: 13px;
  font-weight: 650;
  text-transform: uppercase;
  letter-spacing: 0.09em;
  color: var(--teal-ink);
  margin: 0 0 14px;
}
.section-title { margin-bottom: 0.4em; }
.section-lede { font-size: 19px; color: var(--muted); max-width: var(--measure); }
.center-title { text-align: center; max-width: 820px; margin: 0 auto 44px; }
.center-title > p:not(.eyebrow) { color: var(--muted); font-size: 18px; }
.fine-print, .source-note, .secure-note { font-size: 13.5px; color: var(--muted); line-height: 1.55; }
.updated-line { font-size: 14px; color: var(--muted); }

/* ---------- Buttons ---------- */
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius-pill);
  border: 2px solid var(--gold);
  background: var(--gold);
  color: var(--navy);
  font-family: var(--font-body);
  font-size: 16px;
  font-weight: 650;
  line-height: 1.2;
  cursor: pointer;
  text-align: center;
  transition: background 0.18s ease, color 0.18s ease, border-color 0.18s ease, transform 0.18s ease;
}
.button:hover { background: var(--navy); border-color: var(--navy); color: #fff; transform: translateY(-1px); }
.button.secondary {
  background: transparent;
  border-color: var(--navy);
  color: var(--navy);
}
.button.secondary:hover { background: var(--navy); color: #fff; }
.cta-row { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; }

/* Dark-band button context */
.cta-band .button.secondary,
.numbers-band ~ * .button.secondary { border-color: rgba(255, 255, 255, 0.7); color: #fff; }
.cta-band .button.secondary:hover { background: #fff; color: var(--navy); border-color: #fff; }

/* ---------- Skip link ---------- */
.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 200;
  background: var(--navy); color: #fff; padding: 12px 20px; border-radius: 0 0 8px 0;
}
.skip-link:focus { left: 0; color: #fff; }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 90;
  display: flex;
  align-items: center;
  gap: clamp(14px, 2.5vw, 32px);
  padding: 12px var(--pad-x);
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}
.brand { display: inline-flex; align-items: center; gap: 12px; color: var(--navy); flex-shrink: 0; }
.brand-mark {
  width: 46px; height: 44px;
  border-radius: 9px;
  display: grid; place-items: center;
  background: var(--navy);
  color: var(--gold);
  font-size: 13px; font-weight: 800; letter-spacing: 0.04em;
}
.brand-copy strong, .brand > span:not(.brand-mark) strong { display: block; font-size: 16.5px; line-height: 1.15; font-weight: 700; }
.brand-copy small, .brand > span:not(.brand-mark) small { display: block; font-size: 11.5px; color: var(--muted); margin-top: 2px; }
.primary-nav {
  display: flex; align-items: center; justify-content: center;
  gap: clamp(10px, 1.8vw, 26px);
  flex: 1;
  font-size: 15px; font-weight: 550;
}
.primary-nav .nav-link { color: var(--ink); padding: 8px 2px; }
.primary-nav .nav-link:hover { color: var(--teal-ink); }
.nav-menu { position: relative; }
.nav-menu-button {
  display: inline-flex; align-items: center; gap: 6px;
  background: none; border: 0; padding: 8px 2px;
  font: inherit; font-weight: 550; color: var(--ink); cursor: pointer;
}
.nav-menu-button:hover { color: var(--teal-ink); }
.menu-chevron { width: 8px; height: 8px; border-right: 2px solid currentColor; border-bottom: 2px solid currentColor; transform: rotate(45deg) translateY(-2px); transition: transform 0.15s ease; }
.nav-menu-button[aria-expanded="true"] .menu-chevron { transform: rotate(225deg) translateY(-2px); }
.nav-submenu {
  position: absolute; top: calc(100% + 10px); left: 50%; transform: translateX(-50%);
  min-width: 260px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  box-shadow: var(--shadow-2);
  padding: 10px;
  display: grid;
  gap: 2px;
  z-index: 95;
}
.nav-submenu--situations { min-width: 300px; }
.nav-submenu a {
  display: block; padding: 9px 14px; border-radius: 8px;
  color: var(--ink); font-size: 14.5px; font-weight: 500;
}
.nav-submenu a:hover { background: var(--teal-tint); color: var(--teal-ink); }
.header-call {
  display: inline-flex; flex-direction: column; align-items: center;
  padding: 9px 20px;
  border-radius: var(--radius-pill);
  background: var(--gold);
  color: var(--navy);
  flex-shrink: 0;
  line-height: 1.2;
  transition: background 0.18s ease, color 0.18s ease;
}
.header-call:hover { background: var(--navy); color: #fff; }
.call-label { font-size: 12px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.05em; }
.call-number { font-size: 15.5px; font-weight: 750; }
.nav-toggle { display: none; background: none; border: 0; cursor: pointer; flex-direction: column; gap: 5px; padding: 10px; margin-left: auto; }
.nav-toggle span { display: block; width: 24px; height: 2.5px; background: var(--navy); border-radius: 2px; transition: transform 0.2s ease, opacity 0.2s ease; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

/* ---------- Breadcrumbs ---------- */
.breadcrumbs {
  padding: 12px var(--pad-x);
  font-size: 13.5px;
  color: var(--muted);
  max-width: calc(var(--wide) + 2 * var(--pad-x));
  margin: 0 auto;
  width: 100%;
}
.breadcrumbs a { color: var(--muted); }
.breadcrumbs a:hover { color: var(--teal-ink); }

/* ---------- Sections ---------- */
.section { padding: var(--pad-section-sm) var(--pad-x); background: var(--surface); }
.section.soft { background: var(--stone); }
.section-inner { width: min(var(--wide), 100%); margin: 0 auto; }
.section.process { background: var(--teal-tint); }
main > .section:first-child { padding-top: var(--pad-section-sm); }

/* ---------- Hero system ---------- */
.hero, .page-hero {
  position: relative;
  overflow: hidden;
  background: var(--stone);
}
.redesign-hero { display: grid; align-items: center; min-height: 480px; padding: 0; }
.redesign-hero-media {
  position: absolute;
  top: 0; right: 0; bottom: 0;
  width: 44%;
  z-index: 0;
}
.redesign-hero-media img { width: 100%; height: 100%; object-fit: cover; }
.redesign-hero-media::before {
  content: "";
  position: absolute; inset: 0;
  background: linear-gradient(90deg, var(--stone) 0%, rgba(248, 246, 241, 0) 22%);
  z-index: 1;
}
.hero-grid, .page-hero-inner, .redesign-hero-inner {
  position: relative;
  z-index: 2;
  width: min(var(--wide), 100%);
  margin: 0 auto;
  padding: clamp(56px, 8vw, 104px) var(--pad-x);
}
.hero-copy, .redesign-hero-copy, .about-hero-copy, .local-hero-copy {
  max-width: 54%;
}
.hero-copy > p:not(.eyebrow), .redesign-hero-copy > p:not(.eyebrow) {
  font-size: 19px; color: var(--ink); max-width: 560px;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin: 26px 0; }
.hero-human-proof {
  display: inline-flex; align-items: center; gap: 14px;
  margin-top: 10px;
  padding: 12px 18px 12px 12px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 60px;
  color: var(--ink);
  box-shadow: var(--shadow-1);
}
.hero-human-proof:hover { border-color: var(--teal); color: var(--ink); }
.hero-human-proof img { width: 56px; height: 56px; border-radius: 50%; object-fit: cover; }
.hero-human-proof strong { display: block; font-size: 15px; color: var(--navy); }
.hero-human-proof span { display: block; font-size: 13px; color: var(--muted); margin-top: 2px; }
.hero-proof-line { font-size: 14px; color: var(--muted); }

/* Location hero (centered) */
.location-redesign-hero .center-title { max-width: 720px; padding-top: 0; }
.location-redesign-hero .redesign-hero-media { width: 38%; }
.star-row, .star-strip { color: var(--gold); letter-spacing: 3px; font-size: 20px; }
.star-strip { display: flex; align-items: center; gap: 12px; flex-wrap: wrap; color: var(--ink); }
.star-strip::before { content: "★★★★★"; color: var(--gold); letter-spacing: 3px; font-size: 20px; }

/* Utility / guide heroes: slimmer */
.utility-redesign-hero, .guide-redesign-hero { min-height: 320px; }
.utility-redesign-hero .redesign-hero-media, .guide-redesign-hero .redesign-hero-media { width: 34%; }

/* headshot variant used on some heroes */
.hero-headshot, .is-headshot img { border-radius: 16px; }

/* ---------- Local trust strip ---------- */
.local-trust-strip { background: var(--navy); color: #fff; padding: 18px var(--pad-x); }
.local-trust-strip-inner {
  width: min(var(--wide), 100%); margin: 0 auto;
  display: flex; flex-wrap: wrap; gap: 10px 34px;
  align-items: center; justify-content: center;
  font-size: 14.5px; font-weight: 550;
}
.local-trust-strip a { color: var(--gold); }

/* ---------- Grids & cards (one idiom) ---------- */
.loan-grid, .checkpoint-grid, .article-grid, .guide-directory-grid, .product-grid,
.scheme-grid, .strategy-grid, .guide-proof-grid, .content-grid, .balanced-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 20px;
}
.content-grid { grid-template-columns: 1.2fr 1fr; gap: 32px; align-items: start; }
.loan-card, .checkpoint-card, .article-card, .guide-directory-card, .product-card,
.scheme-card, .strategy-card, .content-card, .source-card, .notice-card, .review-card,
.buyer-help-card, .guide-proof-item, .faq-item, .sticky-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px;
}
.section.soft .loan-card, .section.soft .checkpoint-card, .section.soft .article-card,
.section.soft .faq-item, .section.soft .review-card, .section.soft .content-card { box-shadow: var(--shadow-1); border-color: rgba(217, 226, 232, 0.6); }
.loan-card, .article-card, .guide-directory-card { transition: border-color 0.18s ease, box-shadow 0.18s ease, transform 0.18s ease; }
.loan-card:hover, .article-card:hover, .guide-directory-card:hover { border-color: var(--teal); box-shadow: var(--shadow-2); transform: translateY(-3px); }
.loan-card h3, .checkpoint-card h3, .article-card h3 { margin-top: 14px; }
.loan-card > a, .article-card > a { font-weight: 650; color: var(--teal-ink); }
.loan-card > a::after, .article-card > a::after { content: " →"; }

/* Icons: teal line-icon circles (SVG injected in markup) */
.icon {
  width: 46px; height: 46px;
  border-radius: 50%;
  display: grid; place-items: center;
  background: var(--teal-tint);
  color: var(--teal-ink);
  font-weight: 700;
  font-size: 17px;
}
.icon svg { width: 24px; height: 24px; stroke: var(--teal-ink); }
.step .icon { background: var(--gold-soft); color: var(--navy); }

/* Situation tiles */
.situation-finder { background: var(--stone); }
.situation-finder-heading { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 28px; align-items: end; margin-bottom: 36px; }
.situation-finder-heading > p { color: var(--muted); margin: 0; }
.situation-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 14px; }
.situation-tile {
  display: block;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 20px 22px;
  color: var(--ink);
  transition: border-color 0.18s ease, box-shadow 0.18s ease, transform 0.18s ease;
}
.situation-tile:hover { border-color: var(--teal); box-shadow: var(--shadow-2); transform: translateY(-3px); color: var(--ink); }
.situation-tile strong { display: block; color: var(--navy); font-size: 16.5px; margin-bottom: 4px; }
.situation-tile span { font-size: 14px; color: var(--muted); line-height: 1.45; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 20px; }
.step { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; }
.step h3 { margin-top: 14px; }

/* Split layout */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(28px, 4vw, 56px); align-items: start; }
.split.more-link { margin-top: 44px; padding-top: 36px; border-top: 1px solid var(--line); }

/* Numbers band (proof) */
.numbers-band {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 1px;
  background: var(--navy-deep);
  border-radius: 14px;
  overflow: hidden;
}
.num-card { background: var(--navy); padding: 30px 26px; color: rgba(255, 255, 255, 0.85); }
.num-card strong, .num-card b {
  display: block;
  font-family: var(--font-display);
  font-size: clamp(34px, 4vw, 52px);
  font-weight: 600;
  color: var(--gold);
  line-height: 1.05;
  margin-bottom: 6px;
}
.help-metrics, .position-metrics { display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); gap: 14px; margin: 18px 0; }
.help-metrics > * { background: var(--teal-tint); border-radius: var(--radius); padding: 14px 16px; font-size: 14px; }

/* Check list */
.check-list { list-style: none; padding: 0; }
.check-list li { position: relative; padding-left: 30px; margin-bottom: 10px; }
.check-list li::before {
  content: "";
  position: absolute; left: 0; top: 3px;
  width: 18px; height: 18px;
  border-radius: 50%;
  background: var(--teal-tint);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23075e63' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 13l4 4 10-10'/%3E%3C/svg%3E");
  background-size: 11px;
  background-position: center;
  background-repeat: no-repeat;
}

/* FAQ */
.faq-grid { display: grid; grid-template-columns: 1.25fr 0.75fr; gap: clamp(28px, 4vw, 56px); align-items: start; }
.faq-grid-list, .faq-list { display: grid; gap: 14px; }
.faq-item h3 { font-size: 18px; margin-bottom: 8px; }
.faq-item p { font-size: 15.5px; color: var(--muted); margin: 0; }

/* Reviews */
.home-reviews-section { background: var(--navy-deep); }
.home-reviews-section .center-title h2, .home-reviews-section .center-title p:not(.eyebrow) { color: #fff; }
.home-reviews-section .center-title p:not(.eyebrow) { color: rgba(255, 255, 255, 0.75); }
.home-reviews-section .eyebrow { color: var(--gold); }
.review-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 20px; }
.home-reviews-section .review-card { background: rgba(255, 255, 255, 0.06); border-color: rgba(255, 255, 255, 0.14); color: rgba(255, 255, 255, 0.92); }
.home-reviews-section .review-card h3 { color: #fff; }
.home-reviews-section .review-card > p:last-child { color: rgba(255, 255, 255, 0.6); }
.home-reviews-section .split.more-link { border-top-color: rgba(255, 255, 255, 0.15); }
.home-reviews-section .split.more-link h3 { color: #fff; }
.home-reviews-section .split.more-link p { color: rgba(255, 255, 255, 0.75); }
.home-reviews-section .button.secondary { border-color: rgba(255, 255, 255, 0.7); color: #fff; }
.home-reviews-section .button.secondary:hover { background: #fff; color: var(--navy); border-color: #fff; }
.review-stars { color: var(--gold); letter-spacing: 3px; font-size: 18px; margin-bottom: 10px; }
.review-card blockquote { font-size: 16px; line-height: 1.6; margin-bottom: 14px; }
.review-card h3 { font-size: 15.5px; margin-bottom: 2px; }
.review-card > p:last-child { font-size: 13px; color: var(--muted); margin: 0; }
.review-name { font-weight: 650; }
.review-actions { display: flex; flex-wrap: wrap; gap: 14px; justify-content: center; margin-top: 32px; }

/* Photo ribbon */
.home-photo-ribbon {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px;
  width: min(var(--wide), 100%);
  margin: 44px auto 0;
}
.home-photo-ribbon figure { margin: 0; }
.home-photo-ribbon img { border-radius: var(--radius); aspect-ratio: 4 / 3; object-fit: cover; width: 100%; }
.home-photo-ribbon figcaption { font-size: 13.5px; color: var(--muted); margin-top: 8px; }

/* Photo story band */
.photo-story-band { background: var(--teal-tint); padding: var(--pad-section-sm) var(--pad-x); }
.photo-story-band__inner { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: clamp(28px, 4vw, 56px); align-items: center; }
.photo-story-band__media img, .photo-story-media img { border-radius: 14px; aspect-ratio: 16 / 11; object-fit: cover; width: 100%; }
.photo-story-john { display: flex; align-items: center; gap: 14px; margin: 18px 0; }
.photo-story-john img { width: 56px; height: 56px; border-radius: 50%; object-fit: cover; }
.photo-story-john strong { display: block; color: var(--navy); font-size: 15px; }
.photo-story-john span { font-size: 13.5px; color: var(--muted); }

/* CTA band */
.cta-band {
  background: var(--navy-deep);
  color: #fff;
  padding: clamp(44px, 6vw, 72px) var(--pad-x);
  display: grid;
  grid-template-columns: 1.2fr auto;
  gap: 28px;
  align-items: center;
  width: 100%;
}
.cta-band > div:first-child { max-width: 640px; margin-left: auto; }
.cta-band .cta-row { margin-right: auto; }
.cta-band h2, .cta-band .section-title { color: #fff; }
.cta-band p { color: rgba(255, 255, 255, 0.82); margin: 0; }

/* ---------- Forms / lead card ---------- */
.lead-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-top: 4px solid var(--gold);
  border-radius: var(--radius);
  padding: 30px;
  box-shadow: var(--shadow-2);
}
.lead-card h2 { font-family: var(--font-body); font-size: 24px; font-weight: 700; }
.lead-card-compact { padding: 26px; }
.form-intro { font-size: 15px; color: var(--muted); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-field { display: block; margin-bottom: 14px; }
.form-field > span { display: block; font-size: 13.5px; font-weight: 600; color: var(--navy); margin-bottom: 6px; }
.input, .form-field input, .form-field select, .form-field textarea,
input[type="text"], input[type="tel"], input[type="email"], select, textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--line);
  border-radius: 8px;
  background: #fff;
  font: inherit;
  font-size: 16px;
  color: var(--ink);
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.input:focus, .form-field input:focus, .form-field select:focus, .form-field textarea:focus {
  outline: none;
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(0, 156, 154, 0.15);
}
textarea { resize: vertical; min-height: 96px; }
details { margin: 6px 0 14px; }
details summary { cursor: pointer; font-size: 14.5px; font-weight: 600; color: var(--teal-ink); padding: 6px 0; }
details[open] summary { margin-bottom: 10px; }
.lead-honeypot { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }
.consent-line { display: flex; gap: 10px; align-items: flex-start; font-size: 13.5px; color: var(--muted); margin: 14px 0; }
.consent-line input { width: 18px; height: 18px; margin-top: 2px; flex-shrink: 0; accent-color: var(--teal); }
.lead-card .button { width: 100%; }
.form-status { min-height: 1.3em; font-size: 14.5px; font-weight: 600; color: var(--teal-ink); margin-top: 10px; }
.risk-reversal { font-size: 13.5px; color: var(--muted); }

/* ---------- Guide / article pages ---------- */
.guide-redesign-hero .page-hero-inner h1 { max-width: 820px; }
.author-box {
  display: flex; align-items: center; gap: 14px;
  margin-top: 22px;
  padding: 14px 18px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 60px;
  max-width: fit-content;
  font-size: 14px;
}
.author-box img { width: 48px; height: 48px; border-radius: 50%; object-fit: cover; }
.guide-top-form { padding-top: 28px; }
.toc-box {
  background: var(--stone);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px 26px;
  margin: 24px 0;
}
.toc-box ul { margin: 8px 0 0; padding-left: 1.1em; }
.toc-box li { margin-bottom: 6px; font-size: 15px; }
.guide-article .section-inner, .guide-main { max-width: var(--measure); }
.guide-article p, .guide-main p { font-size: 17.5px; }
.guide-layout { display: grid; grid-template-columns: 1fr 320px; gap: clamp(28px, 4vw, 56px); align-items: start; }
.guide-aside { position: sticky; top: 96px; }
.mid-cta {
  background: var(--teal-tint);
  border-radius: var(--radius);
  padding: 26px;
  margin: 28px 0;
  display: flex; flex-wrap: wrap; gap: 18px; align-items: center; justify-content: space-between;
}
.mid-cta p { margin: 0; font-weight: 550; }
.related-guides { background: var(--stone); border-radius: var(--radius); padding: 26px; }
.related-guides ul { margin: 10px 0 0; }
.guide-sources { border-top: 1px solid var(--line); }
.guide-source-list { font-size: 14.5px; color: var(--muted); }
.guide-proof-band { background: var(--navy); border-radius: 14px; padding: 30px; color: #fff; }
.guide-proof-item { background: rgba(255, 255, 255, 0.06); border-color: rgba(255, 255, 255, 0.14); color: rgba(255, 255, 255, 0.9); }
.guide-directory-topic { margin-bottom: 40px; }
.guide-check-section .guide-check-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 18px; }
.guide-contact-section { background: var(--stone); }
.guide-contact-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; align-items: center; }
.guide-contact-actions { display: flex; flex-wrap: wrap; gap: 14px; }
.article-card time, .article-card .updated-line { font-size: 13px; color: var(--muted); }

/* ---------- Glossary ---------- */
.glossary-jump { display: flex; flex-wrap: wrap; gap: 8px; margin: 20px 0 34px; }
.glossary-jump a {
  padding: 7px 13px; border: 1px solid var(--line); border-radius: 20px;
  font-size: 14px; font-weight: 600; color: var(--navy);
}
.glossary-jump a:hover { border-color: var(--teal); color: var(--teal-ink); }
.glossary-list { display: grid; gap: 14px; max-width: var(--measure); }

/* ---------- Misc components ---------- */
.notice-card { background: var(--stone); border-color: var(--line); }
.compact-list { font-size: 15px; }
.plain { list-style: none; padding: 0; }
.source-links a { display: inline-block; margin-right: 16px; font-weight: 600; }
.visual-page-intro, .help-intro { max-width: var(--measure); }
.research-methodology { border-left: 4px solid var(--teal); padding-left: 20px; }
.authority-profile .checkpoint-grid { margin-top: 22px; }
.about-personal .content-grid { align-items: center; }
.local-hero-grid { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 32px; align-items: center; }
.local-hero-kicker { font-size: 14px; font-weight: 650; color: var(--teal-ink); text-transform: uppercase; letter-spacing: 0.08em; }
.local-hero-photo-card img { border-radius: 14px; }
.position-check-section { background: var(--stone); }
.contact-page-grid { align-items: start; }

/* ---------- Mortgage helper (AI widget) ---------- */
.mortgage-helper { position: fixed; right: 18px; bottom: 18px; z-index: 120; }
.mortgage-helper__toggle {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 12px 20px;
  border: 0;
  border-radius: var(--radius-pill);
  background: var(--navy);
  color: #fff;
  font: inherit; font-size: 14.5px; font-weight: 650;
  cursor: pointer;
  box-shadow: var(--shadow-2);
  transition: background 0.18s ease, transform 0.18s ease;
}
.mortgage-helper__toggle:hover { background: var(--navy-2); transform: translateY(-1px); }
.mortgage-helper-icon {
  width: 26px; height: 26px; border-radius: 50%;
  display: grid; place-items: center;
  background: var(--gold); color: var(--navy);
  font-size: 11px; font-weight: 800;
}
.mortgage-helper__panel {
  position: fixed;
  right: 18px; bottom: 84px;
  width: min(400px, calc(100vw - 36px));
  max-height: min(600px, calc(100vh - 120px));
  overflow: auto;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
  box-shadow: var(--shadow-2);
  padding: 0;
  z-index: 121;
}
.mortgage-helper__header {
  display: flex; align-items: flex-start; justify-content: space-between; gap: 10px;
  padding: 18px 20px 12px;
  border-bottom: 1px solid var(--line);
  background: var(--stone);
  border-radius: 16px 16px 0 0;
}
.mortgage-helper__header h2 { font-family: var(--font-body); font-size: 17px; font-weight: 700; margin: 0; }
.mortgage-helper__header .eyebrow { margin-bottom: 4px; font-size: 11.5px; }
.mortgage-helper__close { background: none; border: 0; font-size: 26px; line-height: 1; color: var(--muted); cursor: pointer; padding: 2px 6px; }
.mortgage-helper__close:hover { color: var(--navy); }
.mortgage-helper__body { padding: 16px 20px 20px; }
.mortgage-helper-disclosure, .mortgage-helper-privacy { font-size: 12.5px; color: var(--muted); line-height: 1.5; }
.mortgage-helper-messages { display: grid; gap: 10px; margin: 14px 0; }
.mortgage-helper-message { padding: 10px 14px; border-radius: 12px; font-size: 14.5px; line-height: 1.55; margin: 0; }
.mortgage-helper-message--assistant { background: var(--teal-tint); color: var(--ink); }
.mortgage-helper-message--user { background: var(--navy); color: #fff; justify-self: end; }
.mortgage-helper-chips { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 12px; }
.mortgage-helper-chips button {
  padding: 7px 13px; border: 1px solid var(--line); border-radius: 20px;
  background: #fff; font: inherit; font-size: 13.5px; font-weight: 550; color: var(--navy);
  cursor: pointer;
}
.mortgage-helper-chips button:hover { border-color: var(--teal); color: var(--teal-ink); }
.mortgage-helper-form .form-field > div { display: flex; gap: 8px; }
.mortgage-helper-form label { font-size: 13px; font-weight: 600; color: var(--navy); }
.mortgage-helper-form input { flex: 1; }
.mortgage-helper-form button {
  padding: 10px 18px; border: 0; border-radius: 8px;
  background: var(--gold); color: var(--navy);
  font: inherit; font-weight: 700; cursor: pointer;
}
.mortgage-helper-form button:hover { background: var(--navy); color: #fff; }
.mortgage-helper-contact { display: inline-block; margin-top: 12px; font-size: 14px; font-weight: 650; }

/* ---------- Sticky mobile CTA bar ---------- */
.mobile-cta-bar { display: none; }

/* ---------- Wizard (multi-step assessment) ---------- */
.wizard-progress { display: flex; gap: 6px; margin-bottom: 18px; }
.wizard-progress span { height: 4px; flex: 1; border-radius: 2px; background: var(--line); }
.wizard-progress span.is-done { background: var(--teal); }
.wizard-step-label { font-size: 13px; font-weight: 650; color: var(--muted); text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 10px; }
.wizard-options { display: grid; gap: 10px; margin-bottom: 16px; }
.wizard-option {
  display: flex; align-items: center; gap: 12px;
  padding: 14px 16px;
  border: 1.5px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  font: inherit; font-size: 15.5px; font-weight: 550; color: var(--ink);
  cursor: pointer;
  text-align: left;
  transition: border-color 0.15s ease, background 0.15s ease;
}
.wizard-option:hover { border-color: var(--teal); }
.wizard-option[aria-pressed="true"], .wizard-option.is-selected { border-color: var(--teal); background: var(--gold-soft); }
.wizard-nav { display: flex; gap: 12px; align-items: center; justify-content: space-between; margin-top: 6px; }
.wizard-back { background: none; border: 0; font: inherit; font-size: 14.5px; font-weight: 600; color: var(--muted); cursor: pointer; padding: 8px 4px; }
.wizard-back:hover { color: var(--navy); }
.wizard-note { font-size: 13px; color: var(--muted); margin-top: 10px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-deep); color: rgba(255, 255, 255, 0.78); padding: clamp(44px, 6vw, 72px) var(--pad-x) 0; }
.footer-inner {
  width: min(var(--wide), 100%); margin: 0 auto;
  display: grid;
  grid-template-columns: 1.4fr repeat(3, 1fr);
  gap: clamp(24px, 4vw, 48px);
  padding-bottom: 40px;
}
.site-footer[data-footer-columns="5"] .footer-inner { grid-template-columns: 1.4fr repeat(4, 1fr); }
.footer-column h2 {
  font-family: var(--font-body);
  font-size: 13px; font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.08em;
  color: var(--gold);
  margin-bottom: 14px;
}
.footer-column a { display: block; color: rgba(255, 255, 255, 0.78); font-size: 14.5px; padding: 4px 0; }
.footer-column a:hover { color: #fff; }
.footer-brand { color: #fff; margin-bottom: 16px; }
.footer-brand strong { color: #fff; }
.footer-brand small { color: rgba(255, 255, 255, 0.6); }
.footer-intro .brand-mark { background: var(--gold); color: var(--navy); }
.credit-disclosure { font-size: 13px; line-height: 1.6; color: rgba(255, 255, 255, 0.66); }
.footer-intro p { font-size: 13px; color: rgba(255, 255, 255, 0.66); }
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.14);
  padding: 20px var(--pad-x) 26px;
  text-align: center;
  font-size: 13px;
  color: rgba(255, 255, 255, 0.6);
}
.footer-bottom a { color: rgba(255, 255, 255, 0.85); }

/* ---------- Responsive ---------- */
@media (max-width: 1100px) {
  .primary-nav { font-size: 14px; }
  .hero-copy, .redesign-hero-copy, .about-hero-copy { max-width: 58%; }
}

@media (max-width: 900px) {
  .redesign-hero-media { position: relative; width: 100%; height: auto; order: 2; }
  .redesign-hero-media img { aspect-ratio: 16 / 9; height: auto; }
  .redesign-hero-media::before { display: none; }
  .redesign-hero, .page-hero { display: flex; flex-direction: column; }
  .hero-grid, .page-hero-inner, .redesign-hero-inner { padding-top: 44px; padding-bottom: 36px; }
  .hero-copy, .redesign-hero-copy, .about-hero-copy, .local-hero-copy { max-width: 100%; }
  .split, .faq-grid, .content-grid, .photo-story-band__inner, .guide-layout,
  .situation-finder-heading, .local-hero-grid, .guide-contact-inner { grid-template-columns: 1fr; }
  .guide-aside { position: static; }
  .cta-band { grid-template-columns: 1fr; text-align: left; }
  .cta-band > div:first-child { margin-left: 0; }
  .cta-band .cta-row { margin-right: 0; }
  .footer-inner, .site-footer[data-footer-columns="5"] .footer-inner { grid-template-columns: 1fr 1fr; }
  .home-photo-ribbon { grid-template-columns: 1fr; }
}

@media (max-width: 680px) {
  body { font-size: 16px; }
  .nav-toggle { display: flex; }
  .primary-nav {
    display: none;
    position: absolute; top: 100%; left: 0; right: 0;
    background: #fff;
    border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow-2);
    flex-direction: column;
    align-items: stretch;
    padding: 10px 0 16px;
    max-height: calc(100vh - 70px);
    overflow: auto;
  }
  .primary-nav.is-open { display: flex; }
  .primary-nav .nav-link { padding: 13px 22px; border-bottom: 1px solid var(--stone); font-size: 16px; }
  .nav-menu { width: 100%; }
  .nav-menu-button { width: 100%; justify-content: space-between; padding: 13px 22px; border-bottom: 1px solid var(--stone); font-size: 16px; }
  .nav-submenu { position: static; transform: none; box-shadow: none; border: 0; border-radius: 0; background: var(--stone); padding: 6px 0; }
  .nav-submenu a { padding: 11px 34px; }
  .header-call { display: none; }
  .form-row { grid-template-columns: 1fr; }
  .lead-card { padding: 22px; }
  .section { padding-left: 18px; padding-right: 18px; }
  .mobile-cta-bar {
    display: flex;
    position: fixed;
    bottom: 0; left: 0; right: 0;
    z-index: 110;
    box-shadow: 0 -6px 18px rgba(6, 34, 74, 0.18);
  }
  .mobile-cta-bar a {
    flex: 1;
    text-align: center;
    padding: 15px 8px;
    font-size: 15.5px;
    font-weight: 700;
  }
  .mobile-cta-bar a:first-child { background: var(--navy); color: #fff; }
  .mobile-cta-bar a:last-child { background: var(--gold); color: var(--navy); }
  body { padding-bottom: 56px; }
  .mortgage-helper { bottom: 68px; }
  .mortgage-helper__panel { bottom: 130px; }
  .mortgage-helper-label { display: none; }
  .mortgage-helper__toggle { padding: 12px; }
  .numbers-band { grid-template-columns: 1fr 1fr; }
  h1 { font-size: clamp(32px, 8.5vw, 38px); }
}

/* ---------- Reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; animation: none !important; }
}

/* ---------- Print ---------- */
@media print {
  .site-header, .site-footer, .mortgage-helper, .hero-actions, .cta-band,
  .lead-card, .mobile-cta-bar, .nav-toggle { display: none !important; }
  body, main, .section { background: #fff !important; color: #000 !important; padding: 8px 0; }
  a { color: #000; }
}

/* Footer social row (2026-07-11) */
.footer-social a { display: inline; color: rgba(255,255,255,0.85); font-weight: 600; }
.footer-social a:hover { color: var(--gold); }

/* Hotfix 2026-07-12: centered hero families (guides, locations, utility) — the absolute
   media column sat behind their full-width centered copy and clipped headlines. */
.guide-redesign-hero .redesign-hero-media,
.utility-redesign-hero .redesign-hero-media,
.location-redesign-hero .redesign-hero-media { display: none; }
.author-box > div { display: flex; flex-direction: column; gap: 2px; }
.author-box strong { color: var(--navy); font-size: 15px; }
.author-box span { color: var(--muted); font-size: 13.5px; line-height: 1.45; }
.author-box > div > a { font-weight: 650; font-size: 13.5px; }

/* 2026-07-12: proper full-bleed hero BANNER for centered families (guides, utility,
   suburb) — replaces the earlier display:none that left these pages bland/bannerless. */
.guide-redesign-hero, .utility-redesign-hero, .location-redesign-hero {
  position: relative; background: var(--navy); overflow: hidden;
}
.guide-redesign-hero .redesign-hero-media,
.utility-redesign-hero .redesign-hero-media,
.location-redesign-hero .redesign-hero-media {
  display: block; position: absolute; inset: 0; width: 100%; height: 100%; z-index: 0;
}
.guide-redesign-hero .redesign-hero-media img,
.utility-redesign-hero .redesign-hero-media img,
.location-redesign-hero .redesign-hero-media img { width: 100%; height: 100%; object-fit: cover; }
.guide-redesign-hero .redesign-hero-media::before,
.utility-redesign-hero .redesign-hero-media::before,
.location-redesign-hero .redesign-hero-media::before { display: none; }
.guide-redesign-hero .redesign-hero-media::after,
.utility-redesign-hero .redesign-hero-media::after,
.location-redesign-hero .redesign-hero-media::after {
  content: ""; position: absolute; inset: 0; z-index: 1;
  background: linear-gradient(180deg, rgba(6,34,74,.72) 0%, rgba(2,23,53,.9) 100%);
}
.guide-redesign-hero .page-hero-inner, .utility-redesign-hero .page-hero-inner, .location-redesign-hero .page-hero-inner,
.guide-redesign-hero .section-inner, .utility-redesign-hero .section-inner, .location-redesign-hero .section-inner {
  position: relative; z-index: 2;
  padding-top: clamp(52px,7vw,84px); padding-bottom: clamp(44px,6vw,72px);
}
.guide-redesign-hero h1, .utility-redesign-hero h1, .location-redesign-hero h1,
.guide-redesign-hero h2, .location-redesign-hero h2,
.guide-redesign-hero p, .utility-redesign-hero p, .location-redesign-hero p { color: #fff; }
.guide-redesign-hero .section-lede, .utility-redesign-hero .section-lede, .location-redesign-hero .section-lede { color: rgba(255,255,255,.9); }
.guide-redesign-hero .eyebrow, .utility-redesign-hero .eyebrow, .location-redesign-hero .eyebrow,
.location-redesign-hero .local-hero-kicker { color: var(--gold); }
/* 2026-07-12: tame the in-hero headshot on banner heroes (was rendering ~480px) */
.location-redesign-hero .hero-headshot,
.guide-redesign-hero .hero-headshot,
.utility-redesign-hero .hero-headshot {
  width: 104px; height: 104px; border-radius: 50%; object-fit: cover;
  border: 3px solid rgba(255,255,255,.85); margin: 0 auto 18px; display: block;
}
.location-redesign-hero .center-title { display: flex; flex-direction: column; align-items: center; }