:root {
  --ink: #f7fbff;
  --muted: #a8bed0;
  --deep: #063149;
  --navy: #063149;
  --panel: #063149;
  --line: rgba(255, 255, 255, 0.14);
  --blue: #056fe7;
  --cyan: #11c8da;
  --silver: #d7e0ea;
  --white: #ffffff;
  --shadow: 0 24px 70px rgba(0, 0, 0, 0.28);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Poppins", "Inter", "Segoe UI", Arial, sans-serif;
  color: var(--ink);
  background: var(--deep);
  line-height: 1.6;
}

a {
  color: inherit;
  text-decoration: none;
}

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

.spam-field {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  opacity: 0;
  pointer-events: none;
}

.company-name {
  display: inline;
  font-weight: 800;
  letter-spacing: 0;
  white-space: normal;
}

.company-name .company-main {
  color: inherit;
}

.company-name .company-edge {
  color: #056fe7;
}

.hero .company-name .company-main,
.about .company-name .company-main,
.faq .company-name .company-main,
.contact .company-name .company-main,
.site-footer .company-name .company-main {
  color: var(--white);
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  display: grid;
  grid-template-columns: minmax(140px, 220px) minmax(0, 1fr) minmax(140px, 220px);
  align-items: center;
  gap: 24px;
  padding: 14px clamp(18px, 4vw, 64px);
  border-bottom: 1px solid var(--line);
  background: rgba(6, 49, 73, 0.94);
  backdrop-filter: blur(16px);
}

.brand {
  justify-self: start;
}

.brand img {
  width: 152px;
  height: 82px;
  object-fit: contain;
  object-position: center;
}

.main-nav {
  display: flex;
  align-items: center;
  justify-content: center;
  justify-self: center;
  flex-wrap: wrap;
  gap: 10px clamp(16px, 2vw, 30px);
  color: var(--silver);
  font-size: 0.88rem;
  font-weight: 700;
}

.main-nav a:hover {
  color: var(--cyan);
}

.header-cta,
.primary-button,
.secondary-button,
.contact-form button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  border-radius: 6px;
  font-weight: 800;
  transition: transform 180ms ease, border-color 180ms ease, background 180ms ease;
}

.header-cta,
.primary-button,
.contact-form button {
  border: 0;
  color: #041d2b;
  background: linear-gradient(135deg, var(--cyan), #f4fbff 52%, var(--blue));
  box-shadow: 0 14px 35px rgba(17, 200, 218, 0.22);
}

.header-cta {
  justify-self: end;
  padding: 0 18px;
  white-space: nowrap;
}

.hero {
  position: relative;
  display: grid;
  min-height: clamp(620px, 84vh, 860px);
  padding: 0;
  overflow: hidden;
  background:
    radial-gradient(circle at 78% 72%, rgba(17, 200, 218, 0.17), transparent 30%),
    #063149;
}

.hero-content {
  position: relative;
  z-index: 2;
  width: min(1120px, 100%);
  margin: 0 auto;
  padding: clamp(120px, 15vw, 190px) clamp(18px, 5vw, 76px) clamp(62px, 9vw, 110px);
  align-self: center;
}

.hero-content h2 {
  max-width: 760px;
  color: var(--white);
  text-shadow: 0 10px 30px rgba(0, 0, 0, 0.24);
}

.hero-content > p:not(.eyebrow) {
  text-shadow: 0 8px 22px rgba(0, 0, 0, 0.22);
}

.eyebrow {
  margin: 0 0 14px;
  color: var(--cyan);
  font-size: 0.74rem;
  font-weight: 800;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  max-width: 760px;
  margin-bottom: 24px;
  font-size: clamp(2.5rem, 5.25vw, 5.25rem);
  line-height: 1.04;
  letter-spacing: 0;
}

h2 {
  margin-bottom: 18px;
  font-size: clamp(1.75rem, 3vw, 3.15rem);
  line-height: 1.08;
  letter-spacing: 0;
}

h3 {
  margin-bottom: 10px;
  font-size: 1.08rem;
  line-height: 1.2;
}

.hero-content > p:not(.eyebrow),
.intro > p,
.about-copy > p,
.contact-copy > p {
  max-width: 670px;
  color: var(--muted);
  font-size: 1.02rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin: 34px 0 0;
}

.primary-button,
.secondary-button {
  min-width: 170px;
  padding: 0 22px;
}

.secondary-button {
  border: 1px solid rgba(255, 255, 255, 0.3);
  color: var(--ink);
  background: rgba(255, 255, 255, 0.06);
}

.header-cta:hover,
.primary-button:hover,
.secondary-button:hover,
.contact-form button:hover {
  transform: translateY(-2px);
}

.hero-media {
  position: absolute;
  inset: 0;
  z-index: 1;
}

.hero-media::before {
  position: absolute;
  inset: 0;
  z-index: 2;
  content: "";
  background:
    linear-gradient(90deg, rgba(6, 49, 73, 0.94) 0%, rgba(6, 49, 73, 0.72) 38%, rgba(6, 49, 73, 0.26) 72%, rgba(6, 49, 73, 0.52) 100%),
    linear-gradient(180deg, rgba(6, 49, 73, 0.24) 0%, rgba(6, 49, 73, 0.08) 48%, rgba(6, 49, 73, 0.7) 100%);
  pointer-events: none;
}

.hero-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}

.glass-card {
  position: absolute;
  width: min(270px, 52vw);
  padding: 22px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 8px;
  background: rgba(6, 49, 73, 0.76);
  box-shadow: var(--shadow);
  backdrop-filter: blur(18px);
}

.glass-card span,
.glass-card small {
  display: block;
  color: var(--muted);
}

.glass-card strong {
  display: block;
  margin: 4px 0;
  color: var(--white);
  font-size: 1.45rem;
}

.rate-card {
  top: 16%;
  right: 4%;
}

.approval-card {
  right: 18%;
  bottom: 13%;
}

.gallery-strip {
  overflow: hidden;
  padding-top: clamp(48px, 7vw, 76px);
  padding-bottom: clamp(48px, 7vw, 76px);
  background:
    linear-gradient(90deg, rgba(6, 49, 73, 0.95), rgba(6, 49, 73, 0.92)),
    #063149;
}

.gallery-heading {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 24px;
  margin-bottom: 26px;
}

.gallery-heading h2 {
  max-width: 760px;
  margin-bottom: 0;
  font-size: clamp(1.75rem, 3vw, 3rem);
}

.gallery-marquee {
  position: relative;
  margin-inline: calc(clamp(18px, 5vw, 76px) * -1);
  overflow: hidden;
}

.gallery-marquee::before,
.gallery-marquee::after {
  position: absolute;
  top: 0;
  bottom: 0;
  z-index: 2;
  width: min(120px, 18vw);
  content: "";
  pointer-events: none;
}

.gallery-marquee::before {
  left: 0;
  background: linear-gradient(90deg, #063149, transparent);
}

.gallery-marquee::after {
  right: 0;
  background: linear-gradient(270deg, #063149, transparent);
}

.gallery-track {
  display: flex;
  width: max-content;
  gap: 18px;
  padding: 4px clamp(18px, 5vw, 76px);
  animation: galleryScroll 32s linear infinite;
}

.gallery-marquee:hover .gallery-track {
  animation-play-state: paused;
}

.gallery-card {
  position: relative;
  display: grid;
  align-content: end;
  width: clamp(250px, 27vw, 360px);
  min-height: 220px;
  overflow: hidden;
  padding: 24px;
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 8px;
  background:
    linear-gradient(180deg, rgba(6, 49, 73, 0.02), rgba(6, 49, 73, 0.88)),
    radial-gradient(circle at 78% 18%, rgba(17, 200, 218, 0.2), transparent 34%),
    rgba(255, 255, 255, 0.055);
  box-shadow: 0 20px 52px rgba(0, 0, 0, 0.22);
}

.gallery-card img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.18;
  transform: scale(1.12);
}

.gallery-card span,
.gallery-card strong {
  position: relative;
  z-index: 1;
}

.gallery-card span {
  color: var(--cyan);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.gallery-card strong {
  max-width: 260px;
  margin-top: 8px;
  color: var(--white);
  font-size: 1.55rem;
  line-height: 1.08;
}

@keyframes galleryScroll {
  from {
    transform: translateX(0);
  }

  to {
    transform: translateX(calc(-50% - 9px));
  }
}

section {
  padding: clamp(64px, 9vw, 112px) clamp(18px, 5vw, 76px);
}

.band {
  background: #f5f9fc;
  color: #092b3e;
}

.intro {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(280px, 1.1fr);
  gap: clamp(28px, 6vw, 86px);
  align-items: start;
}

.band .eyebrow {
  color: #047b9a;
}

.band p,
.band .section-heading p {
  color: #496477;
}

.section-heading {
  max-width: 800px;
  margin-bottom: 38px;
}

.services {
  background: linear-gradient(180deg, var(--deep), #063149);
}

.service-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.service-card {
  display: block;
  min-height: 238px;
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.045);
  transition: transform 180ms ease, border-color 180ms ease, background 180ms ease;
}

.service-card:hover {
  transform: translateY(-4px);
  border-color: rgba(17, 200, 218, 0.52);
  background: rgba(255, 255, 255, 0.075);
}

.service-card p,
.steps p {
  color: var(--muted);
}

.service-icon {
  display: inline-flex;
  margin-bottom: 34px;
  color: var(--cyan);
  font-weight: 900;
}

.steps {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 14px;
}

.steps article {
  min-height: 238px;
  padding: 26px;
  border: 1px solid #d8e4ec;
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 14px 34px rgba(6, 49, 73, 0.08);
}

.steps span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  margin-bottom: 34px;
  border-radius: 50%;
  color: var(--white);
  background: linear-gradient(135deg, var(--cyan), var(--blue));
  font-weight: 900;
}

.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.testimonial-grid article {
  min-height: 220px;
  padding: 28px;
  border: 1px solid #d8e4ec;
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 14px 34px rgba(6, 49, 73, 0.08);
}

.pre-approval-page {
  padding: 0;
  background: #f7fbff;
  color: #092b3e;
  scroll-margin-top: 150px;
}

.pre-approval-banner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  min-height: 190px;
  padding: clamp(48px, 7vw, 82px) clamp(18px, 5vw, 76px);
  color: var(--white);
  background:
    linear-gradient(90deg, rgba(6, 49, 73, 0.82), rgba(6, 49, 73, 0.86)),
    url("assets/finalLogo.png");
  background-position: center;
  background-size: cover;
}

.pre-approval-banner h2 {
  margin-bottom: 0;
  font-size: clamp(1.9rem, 3.4vw, 3rem);
}

.pre-approval-banner nav {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--silver);
  font-size: 1.04rem;
  font-weight: 800;
}

.pre-approval-banner a {
  color: var(--white);
}

.pre-approval-banner strong {
  color: var(--cyan);
}

.pre-approval-content {
  max-width: 980px;
  margin: 0 auto;
  padding: clamp(54px, 8vw, 86px) clamp(18px, 4vw, 34px);
  text-align: center;
}

.pre-approval-content h2 {
  position: relative;
  display: inline-block;
  margin-bottom: 18px;
  color: #152d3c;
  font-size: clamp(1.95rem, 3.2vw, 2.9rem);
  font-weight: 500;
  text-transform: uppercase;
}

.pre-approval-content h2::after {
  position: absolute;
  right: 34%;
  bottom: -10px;
  left: 34%;
  height: 3px;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--cyan), var(--blue));
  content: "";
}

.pre-approval-content > p {
  max-width: 760px;
  margin: 0 auto 8px;
  color: #657789;
  font-size: 1.02rem;
}

.pre-approval-note {
  color: #047b9a !important;
  font-weight: 800;
}

.pre-approval-form {
  margin-top: 34px;
  padding: clamp(24px, 4vw, 34px);
  border: 1px solid #d8e4ec;
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 14px 42px rgba(6, 49, 73, 0.16);
  text-align: left;
}

.pre-approval-step {
  display: none;
}

.pre-approval-step.is-active {
  display: block;
}

.pre-approval-fields {
  display: grid;
  gap: 18px;
}

.pre-approval-fields.two-column {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 22px 28px;
}

.pre-approval-form label {
  display: grid;
  gap: 10px;
  color: #063149;
  font-weight: 800;
}

.pre-approval-form label.sr-label {
  color: transparent;
  gap: 0;
}

.pre-approval-form input,
.pre-approval-form select {
  width: 100%;
  min-height: 58px;
  border: 1px solid #dfe7ed;
  border-radius: 4px;
  padding: 0 16px;
  color: #092b3e;
  background: #ffffff;
  font: inherit;
}

.pre-approval-form input::placeholder {
  color: rgba(9, 43, 62, 0.26);
  font-weight: 500;
  opacity: 1;
}

.pre-approval-form input:focus::placeholder {
  color: rgba(9, 43, 62, 0.14);
}

.pre-approval-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 20px;
}

.pre-approval-data-note {
  margin-bottom: 16px;
  color: #657789;
  font-size: 1.05rem;
}

.pre-approval-form button {
  width: fit-content;
  min-height: 50px;
  border: 1px solid rgba(5, 111, 231, 0.22);
  border-radius: 6px;
  padding: 0 22px;
  color: #041d2b;
  background: linear-gradient(135deg, var(--cyan), #f4fbff 52%, var(--blue));
  cursor: pointer;
  font: inherit;
  font-weight: 900;
  text-transform: uppercase;
  box-shadow: 0 14px 35px rgba(17, 200, 218, 0.22);
  transition: transform 180ms ease, border-color 180ms ease, box-shadow 180ms ease;
}

.pre-approval-form button[data-preapproval-prev] {
  color: #173d55;
  background: #f7fbff;
  border-color: #cbd9e3;
  box-shadow: none;
}

.pre-approval-form button:hover {
  transform: translateY(-2px);
  border-color: rgba(17, 200, 218, 0.65);
  box-shadow: 0 18px 40px rgba(17, 200, 218, 0.26);
}

.pre-approval-form button[data-preapproval-prev]:hover {
  color: #041d2b;
  background: rgba(17, 200, 218, 0.12);
  box-shadow: none;
}

.about {
  display: grid;
  grid-template-columns: minmax(300px, 0.86fr) minmax(0, 1.14fr);
  gap: clamp(34px, 7vw, 88px);
  align-items: center;
  background: #063149;
}

.about-visual {
  padding: clamp(24px, 4vw, 48px);
  border: 1px solid var(--line);
  border-radius: 8px;
  background:
    linear-gradient(140deg, rgba(255, 255, 255, 0.08), rgba(255, 255, 255, 0)),
    #063149;
  box-shadow: var(--shadow);
}

.about-visual img {
  width: 100%;
  aspect-ratio: 16 / 9;
  object-fit: cover;
  border-radius: 6px;
}

.feature-list {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 26px;
}

.feature-list span {
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 999px;
  padding: 10px 14px;
  color: var(--silver);
  background: rgba(255, 255, 255, 0.06);
  font-weight: 700;
}

.lender-strip {
  position: relative;
  overflow: hidden;
  margin-inline: calc(clamp(18px, 5vw, 76px) * -0.35);
}

.lender-strip::before,
.lender-strip::after {
  position: absolute;
  top: 0;
  bottom: 0;
  z-index: 2;
  width: min(120px, 14vw);
  content: "";
  pointer-events: none;
}

.lender-strip::before {
  left: 0;
  background: linear-gradient(90deg, #f5f9fc, transparent);
}

.lender-strip::after {
  right: 0;
  background: linear-gradient(270deg, #f5f9fc, transparent);
}

.lender-track {
  display: flex;
  width: max-content;
  align-items: center;
  gap: 18px;
  animation: lenderScroll 34s linear infinite;
  will-change: transform;
}

.lender-strip:hover .lender-track {
  animation-play-state: paused;
}

.lender-strip span {
  display: grid;
  place-items: center;
  width: clamp(170px, 18vw, 240px);
  height: 112px;
  background: transparent;
}

.lender-strip img {
  width: 76%;
  max-height: 66px;
  object-fit: contain;
}

@keyframes lenderScroll {
  from {
    transform: translateX(0);
  }

  to {
    transform: translateX(calc(-50% - 9px));
  }
}

.contact {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(320px, 0.82fr);
  gap: clamp(32px, 7vw, 96px);
  background:
    linear-gradient(120deg, rgba(5, 111, 231, 0.16), transparent 36%),
    #063149;
}

.contact-copy h2 {
  max-width: 860px;
  margin-bottom: 28px;
}

.contact-copy h2 span {
  color: var(--cyan);
}

.testimonials {
  background:
    radial-gradient(circle at 82% 18%, rgba(17, 200, 218, 0.16), transparent 28%),
    linear-gradient(180deg, #063149, #063149);
}

.testimonial-grid article {
  border-color: rgba(255, 255, 255, 0.14);
  color: var(--ink);
  background: rgba(255, 255, 255, 0.06);
}

.testimonial-grid p {
  color: var(--silver);
  font-size: 1.02rem;
}

.testimonial-grid strong {
  color: var(--cyan);
}

.contact-info-list {
  display: grid;
  gap: 24px;
  max-width: 720px;
  padding-top: 28px;
  border-top: 1px solid var(--line);
}

.contact-info-item {
  display: grid;
  grid-template-columns: 78px minmax(0, 1fr);
  align-items: center;
  gap: 22px;
}

.contact-info-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 58px;
  height: 58px;
  border-radius: 50%;
  color: var(--white);
  background:
    linear-gradient(135deg, rgba(17, 200, 218, 0.26), rgba(5, 111, 231, 0.22)),
    rgba(255, 255, 255, 0.1);
  box-shadow: 0 16px 34px rgba(0, 0, 0, 0.18);
}

.contact-info-icon svg {
  width: 29px;
  height: 29px;
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 1.9;
}

.contact-info-item strong,
.contact-info-item a,
.contact-info-item div > span {
  display: block;
}

.contact-info-item strong {
  color: var(--white);
  font-size: 1.05rem;
  font-weight: 500;
}

.contact-info-phone a {
  color: var(--silver);
  font-size: 1rem;
  font-weight: 400;
}

.contact-info-item a,
.contact-info-item div > span {
  color: var(--silver);
  font-weight: 400;
}

.contact-info-item a:hover {
  color: var(--cyan);
}

.contact-socials {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  padding-left: 78px;
}

.contact-socials a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  padding: 0;
  border: 0;
  border-radius: 9px;
  color: var(--white);
  font-weight: 800;
  background: transparent;
  transition: transform 180ms ease, filter 180ms ease;
}

.contact-socials a.social-logo {
  border-color: transparent;
  background: transparent;
  box-shadow: none;
}

.contact-socials a:hover {
  filter: saturate(1.08) brightness(1.04);
  transform: translateY(-2px);
}

.contact-socials a.social-logo:hover {
  border-color: transparent;
  background: transparent;
}

.contact-socials svg {
  width: 20px;
  height: 20px;
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 1.9;
}

.contact-socials a.social-logo svg {
  width: 40px;
  height: 40px;
  fill: initial;
  stroke: none;
  stroke-width: 0;
}

.contact-socials a.social-instagram svg,
.contact-socials a.social-mail svg {
  width: 44px;
  height: 44px;
}

.contact-qr-card {
  display: grid;
  grid-template-columns: 86px minmax(0, 1fr);
  align-items: center;
  gap: 16px;
  max-width: 420px;
  margin: 20px 0 0 78px;
  padding: 14px;
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.07);
  box-shadow: 0 18px 42px rgba(1, 20, 31, 0.18);
}

.contact-qr-card img {
  width: 86px;
  height: 86px;
  padding: 6px;
  border-radius: 6px;
  background: #ffffff;
}

.contact-qr-card strong,
.contact-qr-card span {
  display: block;
}

.contact-qr-card strong {
  color: var(--white);
  font-size: 0.98rem;
}

.contact-qr-card span {
  margin-top: 5px;
  color: var(--muted);
  font-size: 0.9rem;
  line-height: 1.45;
}

.contact-form-wrap {
  display: grid;
  align-content: start;
  gap: 18px;
}

.contact-form-intro {
  max-width: 720px;
  margin: 0;
  color: var(--silver);
  font-size: 1.02rem;
}

.contact-form {
  display: grid;
  gap: 16px;
  padding: clamp(22px, 4vw, 34px);
  border: 1px solid var(--line);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.07);
  box-shadow: var(--shadow);
}

.contact-form label {
  display: grid;
  gap: 7px;
  color: var(--silver);
  font-size: 0.92rem;
  font-weight: 800;
}

.contact-form input,
.contact-form select,
.contact-form textarea,
.calculator-form input,
.calculator-form select {
  width: 100%;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 6px;
  padding: 13px 14px;
  color: var(--ink);
  background: rgba(6, 49, 73, 0.58);
  font: inherit;
}

.contact-form input::placeholder,
.contact-form textarea::placeholder {
  color: rgba(215, 224, 234, 0.26);
  font-weight: 500;
  opacity: 1;
}

.contact-form input:focus::placeholder,
.contact-form textarea:focus::placeholder {
  color: rgba(215, 224, 234, 0.16);
}

.contact-form textarea {
  resize: vertical;
}

.contact-form button {
  width: 100%;
  cursor: pointer;
  font: inherit;
}

.contact-form button:disabled {
  cursor: wait;
  opacity: 0.72;
  transform: none;
}

.form-status {
  min-height: 22px;
  margin: 0;
  color: var(--cyan);
  font-size: 0.9rem;
  font-weight: 700;
}

.form-status.is-success {
  color: #66f2c2;
}

.form-status.is-error {
  color: #ffb4b4;
}

.calculator .section-heading {
  margin-bottom: 28px;
}

.calculator-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 26px;
}

.calculator-tabs button {
  min-height: 42px;
  border: 1px solid #cbd9e3;
  border-radius: 999px;
  padding: 0 16px;
  color: #173d55;
  background: var(--white);
  cursor: pointer;
  font: inherit;
  font-weight: 850;
  transition: transform 180ms ease, border-color 180ms ease, background 180ms ease;
}

.calculator-tabs button:hover,
.calculator-tabs button.is-active {
  transform: translateY(-1px);
  border-color: rgba(17, 200, 218, 0.65);
  color: #041d2b;
  background: linear-gradient(135deg, var(--cyan), #f4fbff 52%, var(--blue));
}

.calculator-panel {
  display: grid;
  grid-template-columns: minmax(300px, 0.88fr) minmax(320px, 1.12fr);
  gap: clamp(24px, 5vw, 58px);
  align-items: stretch;
}

.calculator-form,
.calculator-results {
  border-radius: 8px;
  padding: clamp(22px, 4vw, 34px);
}

.calculator-form {
  display: grid;
  gap: 18px;
  border: 1px solid #d8e4ec;
  background: var(--white);
  box-shadow: 0 18px 50px rgba(6, 49, 73, 0.1);
}

.calculator-form label {
  display: grid;
  gap: 8px;
  color: #173d55;
  font-size: 0.92rem;
  font-weight: 850;
}

.calculator-form label.is-hidden {
  display: none;
}

.calculator-form input,
.calculator-form select {
  border-color: #cbd9e3;
  color: #063149;
  background: #f7fbff;
  font-weight: 750;
}

.money-input {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  overflow: hidden;
  border: 1px solid #cbd9e3;
  border-radius: 6px;
  background: #f7fbff;
}

.money-input input {
  border: 0;
  border-radius: 0;
  background: transparent;
}

.money-input span {
  padding: 0 14px;
  color: #496477;
  font-weight: 850;
}

.calculator-results {
  display: grid;
  gap: 22px;
  color: var(--ink);
  background:
    radial-gradient(circle at 82% 16%, rgba(17, 200, 218, 0.26), transparent 30%),
    linear-gradient(135deg, #063149, #063149);
  box-shadow: var(--shadow);
}

.result-hero {
  padding-bottom: 22px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.16);
}

.result-hero span,
.result-grid span {
  display: block;
  color: var(--muted);
  font-weight: 750;
}

.result-hero strong {
  display: block;
  margin: 8px 0 2px;
  color: var(--white);
  font-size: clamp(2.15rem, 4.5vw, 3.95rem);
  line-height: 1.02;
}

.result-hero small {
  color: var(--cyan);
  font-size: 1rem;
  font-weight: 850;
}

.result-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

.result-grid div {
  min-height: 108px;
  padding: 18px;
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.055);
}

.result-grid strong {
  display: block;
  margin-top: 6px;
  color: var(--white);
  font-size: 1.22rem;
}

.repayment-bar {
  display: flex;
  overflow: hidden;
  height: 16px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.14);
}

.principal-bar {
  width: 62%;
  background: linear-gradient(90deg, var(--cyan), #f4fbff);
}

.interest-bar {
  flex: 1;
  background: linear-gradient(90deg, #056fe7, #024991);
}

.bar-legend {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  color: var(--silver);
  font-size: 0.9rem;
  font-weight: 800;
}

.bar-legend span {
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.bar-legend i {
  width: 10px;
  height: 10px;
  border-radius: 50%;
}

.principal-dot {
  background: var(--cyan);
}

.interest-dot {
  background: var(--blue);
}

.calculator-note {
  margin-bottom: 0;
  color: var(--muted);
  font-size: 0.92rem;
}

.mfaa-calculator {
  overflow: hidden;
}

.mfaa-calculator-picker {
  display: grid;
  gap: 8px;
  max-width: 520px;
  margin-bottom: 26px;
}

.mfaa-calculator-picker label {
  color: #173d55;
  font-size: 0.82rem;
  font-weight: 900;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.mfaa-calculator-picker select {
  width: 100%;
  min-height: 52px;
  border: 1px solid #cbd9e3;
  border-radius: 6px;
  padding: 0 16px;
  color: #173d55;
  background: var(--white);
  font: inherit;
  font-weight: 850;
  outline: none;
  transition: border-color 180ms ease, box-shadow 180ms ease;
}

.mfaa-calculator-picker select:focus {
  border-color: rgba(17, 200, 218, 0.72);
  box-shadow: 0 0 0 4px rgba(17, 200, 218, 0.14);
}

.mfaa-calculator-shell {
  overflow: hidden;
  border: 1px solid #d8e4ec;
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 18px 50px rgba(6, 49, 73, 0.1);
}

.mfaa-calculator-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  padding: 22px clamp(18px, 4vw, 30px);
  border-bottom: 1px solid #d8e4ec;
  background:
    radial-gradient(circle at 88% 18%, rgba(17, 200, 218, 0.14), transparent 28%),
    #063149;
}

.mfaa-calculator-header span {
  display: block;
  color: var(--cyan);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.mfaa-calculator-header h3 {
  margin: 4px 0 0;
  color: var(--white);
  font-size: clamp(1.2rem, 2.2vw, 1.8rem);
}

.VisiCalcClass {
  width: 100%;
  min-width: 640px;
  min-height: 800px;
  margin: 0;
  padding: 0;
  background: #ffffff;
}

.mfaa-calculator-frame {
  display: block;
  border: 0;
}

#Loan_Repayment_Calculator,
#Borrowing_Power_Calculator,
#How_Long_to_Repay_Calculator,
#Interest_Only_Mortgage_Calculator,
#Extra_Repayment_Calculator {
  min-height: 750px !important;
}

#Comparison_Rate_Calculator,
#Loan_Comparison_Calculator,
#Property_Buying_Cost_Calculator,
#Home_Loan_Offset_Calculator,
#Stamp_Duty_Calculator {
  min-height: 800px !important;
}

#Reverse_Mortgage_Calculator {
  min-height: 1100px !important;
}

#Income_Tax_Calculator,
#Income_Annualisation_Calculator,
#Lump_Sum_Repayment_Calculator {
  min-height: 900px !important;
}

.faq {
  background:
    radial-gradient(circle at 15% 12%, rgba(17, 200, 218, 0.16), transparent 28%),
    linear-gradient(180deg, #063149, #063149);
}

.faq-list {
  display: grid;
  gap: 12px;
  max-width: 980px;
}

.faq-list details {
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.055);
  transition: border-color 180ms ease, background 180ms ease;
}

.faq-list details[open] {
  border-color: rgba(17, 200, 218, 0.42);
  background: rgba(255, 255, 255, 0.08);
}

.faq-list summary {
  position: relative;
  display: block;
  padding: 22px 76px 22px 24px;
  color: var(--white);
  cursor: pointer;
  font-size: 1rem;
  font-weight: 500;
  line-height: 1.45;
  list-style: none;
}

.faq-list summary::-webkit-details-marker {
  display: none;
}

.faq-list summary::after {
  position: absolute;
  top: 50%;
  right: 24px;
  width: 34px;
  height: 34px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 50%;
  color: var(--cyan);
  content: "+";
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 1.35rem;
  line-height: 1;
  transform: translateY(-50%);
}

.faq-list details[open] summary::after {
  content: "-";
}

.faq-list p {
  max-width: 820px;
  margin: -4px 24px 24px;
  color: var(--muted);
}

.service-detail-hero {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(300px, 0.48fr);
  gap: clamp(32px, 6vw, 82px);
  align-items: center;
  min-height: 620px;
  background:
    radial-gradient(circle at 78% 22%, rgba(17, 200, 218, 0.22), transparent 30%),
    linear-gradient(120deg, #063149 0%, #063149 54%, #063149 100%);
}

.service-detail-hero h1 {
  max-width: 920px;
  font-size: clamp(2.55rem, 4.9vw, 5rem);
  line-height: 1.05;
}

.service-detail-hero > div > p:not(.eyebrow) {
  max-width: 720px;
  color: var(--muted);
  font-size: 1.03rem;
}

.back-link {
  display: inline-flex;
  margin-bottom: 28px;
  color: var(--silver);
  font-weight: 800;
}

.back-link:hover {
  color: var(--cyan);
}

.service-detail-card {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  min-height: 360px;
  padding: clamp(24px, 4vw, 38px);
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 8px;
  background:
    linear-gradient(140deg, rgba(6, 49, 73, 0.68), rgba(6, 49, 73, 0.92)),
    var(--service-card-image),
    rgba(6, 49, 73, 0.72);
  background-position: center;
  background-size: cover;
  box-shadow: var(--shadow);
}

.service-detail-card::before {
  position: absolute;
  inset: 0;
  z-index: -1;
  background:
    radial-gradient(circle at 84% 18%, rgba(17, 200, 218, 0.24), transparent 28%),
    linear-gradient(180deg, rgba(6, 49, 73, 0.42), rgba(6, 49, 73, 0.88));
  content: "";
}

.service-detail-card span {
  color: var(--cyan);
  font-size: 0.9rem;
  font-weight: 900;
}

.service-detail-card strong {
  display: block;
  margin: 88px 0 16px;
  color: var(--white);
  font-size: clamp(1.6rem, 2.85vw, 2.4rem);
  line-height: 1.08;
}

.service-detail-card p {
  color: var(--muted);
}

.pdf-modal-open {
  overflow: hidden;
}

.pdf-modal {
  position: fixed;
  inset: 0;
  z-index: 2000;
  display: none;
  padding: 24px;
}

.pdf-modal.is-open {
  display: grid;
  place-items: start center;
}

.pdf-modal__backdrop {
  position: absolute;
  inset: 0;
  background: rgba(3, 22, 34, 0.78);
  backdrop-filter: blur(8px);
}

.pdf-modal__panel {
  position: relative;
  z-index: 1;
  width: min(1080px, 100%);
  height: min(88vh, 920px);
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 10px;
  background: #f7fbff;
  box-shadow: 0 28px 90px rgba(0, 0, 0, 0.38);
}

.pdf-modal__header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  padding: 16px 18px 14px 22px;
  color: #ffffff;
  background:
    linear-gradient(120deg, rgba(50, 198, 221, 0.18), rgba(43, 140, 239, 0.22)),
    #063149;
}

.pdf-modal__header span {
  display: block;
  margin-bottom: 3px;
  color: #32c6dd;
  font-size: 0.72rem;
  font-weight: 900;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

.pdf-modal__header h2 {
  margin: 0;
  font-size: clamp(1.15rem, 2vw, 1.7rem);
}

.pdf-modal__close {
  display: inline-grid;
  width: 42px;
  height: 42px;
  place-items: center;
  flex: 0 0 auto;
  border: 1px solid rgba(255, 255, 255, 0.28);
  border-radius: 999px;
  color: #ffffff;
  background: rgba(255, 255, 255, 0.1);
  font-size: 1.2rem;
  font-weight: 900;
  cursor: pointer;
  transition: transform 0.2s ease, background 0.2s ease, border-color 0.2s ease;
}

.pdf-modal__close:hover,
.pdf-modal__close:focus-visible {
  transform: translateY(-1px);
  border-color: rgba(50, 198, 221, 0.8);
  background: rgba(50, 198, 221, 0.22);
  outline: none;
}

.pdf-modal__frame {
  display: block;
  width: 100%;
  height: calc(100% - 75px);
  border: 0;
  background: #ffffff;
}

.pdf-modal__frame.is-hidden {
  display: none;
}

.pdf-modal__pages {
  display: none;
  height: calc(100% - 75px);
  overflow: auto;
  padding: 18px;
  background: #e8eef3;
}

.pdf-modal__pages.is-active {
  display: block;
}

.pdf-modal__loading {
  margin: 36px auto;
  color: #063149;
  font-weight: 800;
  text-align: center;
}

.pdf-modal__page {
  display: grid;
  justify-items: center;
  margin: 0 auto 18px;
}

.pdf-modal__page canvas {
  max-width: 100%;
  height: auto !important;
  background: #ffffff;
  box-shadow: 0 10px 34px rgba(6, 49, 73, 0.16);
}

.detail-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.detail-grid article {
  min-height: 300px;
  padding: 28px;
  border: 1px solid #d8e4ec;
  border-radius: 8px;
  background: var(--white);
}

.detail-grid ul {
  display: grid;
  gap: 12px;
  margin: 18px 0 0;
  padding-left: 20px;
  color: #496477;
}

.detail-grid p {
  color: #496477;
}

.insights-hero {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(300px, 0.85fr);
  align-items: center;
  gap: clamp(28px, 6vw, 90px);
  min-height: 620px;
  padding: clamp(72px, 10vw, 130px) clamp(18px, 5vw, 76px);
  color: var(--ink);
  background:
    radial-gradient(circle at 74% 24%, rgba(17, 200, 218, 0.2), transparent 28%),
    linear-gradient(135deg, #063149 0%, #063149 58%, #0b405b 100%);
}

.insights-hero h1 {
  max-width: 850px;
}

.insights-hero > div > p:not(.eyebrow) {
  max-width: 680px;
  color: var(--muted);
  font-size: 1.02rem;
}

.insights-feature {
  min-height: 370px;
  padding: clamp(26px, 4vw, 40px);
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 8px;
  background:
    linear-gradient(145deg, rgba(255, 255, 255, 0.12), rgba(255, 255, 255, 0.05)),
    radial-gradient(circle at 86% 16%, rgba(17, 200, 218, 0.22), transparent 30%);
  box-shadow: var(--shadow);
}

.insights-feature span,
.insight-card span {
  display: inline-block;
  margin-bottom: 18px;
  color: var(--cyan);
  font-size: 0.76rem;
  font-weight: 900;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.insights-feature h2 {
  font-size: clamp(1.72rem, 2.85vw, 2.6rem);
}

.insights-feature p {
  color: var(--muted);
}

.insights-feature small,
.insight-card small {
  color: var(--blue);
  font-weight: 800;
}

.insight-card small {
  position: relative;
  display: inline-flex;
  width: fit-content;
  margin-top: 8px;
  cursor: help;
  outline: none;
}

.insight-card small::before,
.insight-card small::after {
  position: absolute;
  left: 0;
  opacity: 0;
  pointer-events: none;
  transform: translateY(8px);
  transition: opacity 180ms ease, transform 180ms ease;
}

.insight-card small::before {
  bottom: calc(100% + 12px);
  z-index: 3;
  width: min(270px, 70vw);
  padding: 14px 16px;
  border: 1px solid rgba(17, 200, 218, 0.24);
  border-radius: 8px;
  color: var(--silver);
  background:
    linear-gradient(145deg, rgba(17, 200, 218, 0.12), rgba(255, 255, 255, 0.04)),
    #063149;
  box-shadow: 0 18px 42px rgba(6, 49, 73, 0.24);
  content: attr(data-tag-detail);
  font-size: 0.78rem;
  font-weight: 500;
  line-height: 1.55;
  text-transform: none;
}

.insight-card small::after {
  bottom: calc(100% + 5px);
  z-index: 4;
  width: 14px;
  height: 14px;
  margin-left: 18px;
  background: #063149;
  border-right: 1px solid rgba(17, 200, 218, 0.24);
  border-bottom: 1px solid rgba(17, 200, 218, 0.24);
  content: "";
  transform: translateY(8px) rotate(45deg);
}

.insight-card small:hover,
.insight-card small:focus-visible {
  color: #063149;
}

.insight-card small:hover::before,
.insight-card small:focus-visible::before,
.insight-card small:hover::after,
.insight-card small:focus-visible::after {
  opacity: 1;
  transform: translateY(0);
}

.insight-card small:hover::after,
.insight-card small:focus-visible::after {
  transform: translateY(0) rotate(45deg);
}

.insight-filters {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 30px;
}

.insight-filters button {
  cursor: pointer;
  padding: 10px 14px;
  border: 1px solid #cfe0ea;
  border-radius: 999px;
  color: #16384d;
  background: var(--white);
  font: inherit;
  font-weight: 800;
}

.insight-filters button:hover,
.insight-filters button:focus-visible,
.insight-filters button.is-active {
  color: #063149;
  background: linear-gradient(135deg, var(--cyan), #f4fbff 58%, var(--blue));
}

.insight-filters button:focus-visible {
  outline: 3px solid rgba(17, 200, 218, 0.32);
  outline-offset: 2px;
}

.insights-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.insight-card {
  display: grid;
  position: relative;
  align-content: start;
  min-height: 280px;
  padding: 28px;
  border: 1px solid #d8e4ec;
  border-radius: 8px;
  background: var(--white);
}

.insight-card:hover,
.insight-card:focus-within {
  z-index: 4;
}

.insight-card.is-hidden {
  display: none;
}

.insight-card h3 {
  font-size: clamp(1.22rem, 1.8vw, 1.65rem);
}

.insight-card p {
  color: #496477;
}

.adviser-profile {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(320px, 0.75fr);
  align-items: center;
  gap: clamp(34px, 7vw, 96px);
  background: #f7fbff;
  color: #092b3e;
}

.adviser-profile__copy {
  max-width: 720px;
}

.adviser-profile__copy h2 {
  color: #063149;
  font-size: clamp(1.8rem, 3.35vw, 3.1rem);
}

.adviser-profile__rule {
  width: min(260px, 52vw);
  height: 2px;
  margin: 24px 0 28px;
  background: linear-gradient(90deg, var(--cyan), var(--blue));
}

.adviser-profile__copy h3 {
  margin-bottom: 24px;
  color: #063149;
  font-size: clamp(1.22rem, 1.8vw, 1.75rem);
  line-height: 1.2;
}

.adviser-profile__copy p {
  color: #315169;
}

.adviser-profile__copy strong {
  display: block;
  margin: 20px 0 26px;
  color: #063149;
}

.adviser-profile__image {
  position: relative;
  overflow: hidden;
  min-height: clamp(420px, 44vw, 640px);
  border: 1px solid rgba(6, 49, 73, 0.14);
  border-radius: 18px;
  background: #dbe6ec;
  box-shadow: 0 24px 70px rgba(6, 49, 73, 0.18);
}

.adviser-profile__image img {
  width: 100%;
  height: 100%;
  min-height: inherit;
  object-fit: cover;
  object-position: center top;
}

.insights-cta {
  display: grid;
  justify-items: center;
  padding: clamp(54px, 8vw, 96px) clamp(18px, 5vw, 76px);
  text-align: center;
  color: var(--ink);
  background: #063149;
}

.insights-cta h2 {
  max-width: 820px;
}

.site-footer {
  padding: 54px clamp(18px, 5vw, 76px);
  color: var(--muted);
  background:
    linear-gradient(180deg, rgba(50, 198, 221, 0.05), rgba(6, 49, 73, 0)),
    #063149;
}

.footer-main {
  max-width: 1240px;
  margin: 0 auto;
}

.footer-stripe {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: clamp(24px, 5vw, 72px);
  border-top: 1px solid rgba(255, 255, 255, 0.18);
  border-bottom: 1px solid rgba(255, 255, 255, 0.18);
}

.footer-logo {
  display: inline-flex;
  flex: 0 0 auto;
}

.footer-logo img {
  width: clamp(180px, 17vw, 240px);
  height: 112px;
  object-fit: contain;
  object-position: left center;
}

.footer-nav {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: flex-end;
  gap: 14px clamp(18px, 2.5vw, 34px);
}

.footer-nav a {
  color: #ffffff;
  font-size: 0.95rem;
  font-weight: 800;
  white-space: nowrap;
}

.footer-nav a:hover {
  color: var(--cyan);
}

.footer-lower {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  align-items: end;
  gap: clamp(30px, 8vw, 120px);
  padding-top: 30px;
}

.footer-copy {
  display: grid;
  gap: 10px;
  max-width: 720px;
  justify-items: start;
  text-align: left;
  color: var(--silver);
  font-size: 0.78rem;
  line-height: 1.45;
}

.site-footer p {
  margin-bottom: 0;
}

.footer-copy p,
.footer-copy > span {
  margin: 0;
  color: var(--silver);
  font-size: inherit;
  font-weight: 400;
}

.footer-copy .company-name {
  font-weight: 400;
}

.footer-copy .company-name .company-main {
  color: var(--silver);
}

.footer-copyright {
  color: var(--silver);
}

.footer-legal {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-start;
  gap: 6px;
  color: var(--silver);
  font-size: 0.72rem;
  font-weight: 500;
}

.footer-legal a {
  font-weight: 500;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.footer-legal a:hover {
  color: var(--cyan);
}

.footer-badges {
  display: flex;
  flex-wrap: wrap;
  align-items: end;
  justify-content: flex-end;
  gap: 18px;
}

.footer-badges img {
  width: clamp(72px, 7.5vw, 96px);
  height: auto;
  object-fit: contain;
  filter: drop-shadow(0 14px 28px rgba(0, 0, 0, 0.24));
}

.google-rating-badge {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  min-width: 218px;
  padding: 12px 16px;
  border-top: 5px solid #34a853;
  border-right: 0;
  border-bottom: 0;
  border-left: 0;
  border-radius: 3px;
  color: #27323a;
  background: #ffffff;
  box-shadow: 0 18px 42px rgba(0, 0, 0, 0.22);
  cursor: pointer;
  font: inherit;
  text-align: left;
  transition: transform 180ms ease, box-shadow 180ms ease;
}

.google-rating-badge[hidden] {
  display: none !important;
}

.google-rating-badge:hover,
.google-rating-badge:focus-visible {
  transform: translateY(-2px);
  box-shadow: 0 22px 48px rgba(0, 0, 0, 0.26);
}

.google-rating-badge__mark {
  display: inline-grid;
  place-items: center;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  color: #ffffff;
  background:
    conic-gradient(from -40deg, #4285f4 0 24%, #34a853 24% 47%, #fbbc05 47% 72%, #ea4335 72% 100%);
  font-size: 1.7rem;
  font-weight: 800;
  line-height: 1;
}

.google-rating-badge strong,
.google-rating-badge em {
  display: block;
}

.google-rating-badge strong {
  color: #27323a;
  font-size: 0.78rem;
  font-weight: 700;
  line-height: 1.15;
}

.google-rating-badge em {
  color: #e86d0b;
  font-size: 1.02rem;
  font-style: normal;
  font-weight: 700;
  letter-spacing: 0.02em;
  line-height: 1.15;
}

.google-review-drawer {
  position: fixed;
  inset: 0;
  z-index: 1200;
  display: none;
}

.google-review-drawer-open {
  overflow: auto;
}

.google-review-drawer.is-open {
  display: block;
}

.google-review-drawer__backdrop {
  position: absolute;
  inset: 0;
  background: transparent;
}

.google-review-drawer__panel {
  position: absolute;
  top: 0;
  right: 0;
  display: grid;
  grid-template-rows: auto minmax(0, 1fr) auto;
  width: min(430px, 100vw);
  height: 100%;
  color: #2e2e35;
  /* background: rgba(255, 255, 255, 0.96); */
  box-shadow: -22px 0 52px rgba(0, 0, 0, 0.24);
}

.google-review-drawer__header {
  display: grid;
  grid-template-columns: 46px minmax(0, 1fr) auto;
  align-items: center;
  gap: 14px;
  padding: 20px 22px 18px;
  border-bottom: 1px solid #edf0f4;
  background: #ffffff;
}

.google-review-drawer__logo {
  display: grid;
  place-items: center;
  width: 42px;
  height: 42px;
  border-radius: 50%;
  color: #ffffff;
  background:
    conic-gradient(from -40deg, #4285f4 0 24%, #34a853 24% 47%, #fbbc05 47% 72%, #ea4335 72% 100%);
  font-size: 1.8rem;
  font-weight: 800;
  line-height: 1;
}

.google-review-drawer__header h2 {
  margin: 0 0 2px;
  color: #2d2d38;
  font-size: 1rem;
  line-height: 1.25;
}

.google-review-drawer__header p {
  margin: 0;
  color: #e86d0b;
  font-size: 1.05rem;
  font-weight: 700;
  line-height: 1.15;
}

.google-review-drawer__header p strong {
  color: #e86d0b;
}

.google-review-drawer__header button {
  width: 36px;
  height: 36px;
  border: 0;
  border-radius: 50%;
  color: #85858c;
  background: transparent;
  cursor: pointer;
  font: inherit;
  font-size: 1.7rem;
  line-height: 1;
}

.google-review-drawer__header button:hover,
.google-review-drawer__header button:focus-visible {
  color: #063149;
  background: #f0f4f7;
}

.google-review-drawer__list {
  overflow-y: auto;
  padding: 18px 18px 8px;
  background-color: white;
}

.google-review {
  display: grid;
  grid-template-columns: 56px minmax(0, 1fr);
  gap: 16px;
  padding: 0 0 26px;
}

.google-review__avatar {
  display: grid;
  place-items: center;
  width: 54px;
  height: 54px;
  border-radius: 50%;
  color: #ffffff;
  background: linear-gradient(135deg, #056fe7, #11c8da);
  font-size: 1.5rem;
  font-weight: 700;
}

.google-review strong,
.google-review small {
  display: block;
}

.google-review strong {
  color: #37346e;
  font-size: 1rem;
  line-height: 1.25;
}

.google-review small {
  margin-top: 2px;
  color: #8a8a8f;
  font-size: 0.86rem;
}

.google-review p {
  margin: 0;
  color: #747477;
  font-size: 0.96rem;
  line-height: 1.55;
}

.google-review__stars {
  margin: 8px 0 4px !important;
  color: #e86d0b !important;
  font-size: 1rem !important;
  font-weight: 700;
  letter-spacing: 0.02em;
}

.google-review-drawer__footer {
  padding: 14px 18px;
  border-top: 1px solid #edf0f4;
  color: #8a8a8f;
  background: #ffffff;
  font-size: 0.82rem;
  text-align: center;
}

.google-review-drawer__footer strong {
  color: #4285f4;
  font-weight: 700;
}

.chat-widget {
  position: fixed;
  right: clamp(16px, 3vw, 28px);
  bottom: clamp(16px, 3vw, 28px);
  z-index: 30;
}

.chat-toggle {
  display: grid;
  place-items: center;
  width: 64px;
  height: 64px;
  border: 0;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--cyan), #f4fbff 52%, var(--blue));
  box-shadow: 0 18px 45px rgba(5, 111, 231, 0.36);
  cursor: pointer;
}

.chat-toggle span {
  position: relative;
  width: 30px;
  height: 22px;
  border-radius: 8px;
  background: #063149;
}

.chat-toggle span::after {
  position: absolute;
  right: 5px;
  bottom: -6px;
  width: 10px;
  height: 10px;
  background: #063149;
  clip-path: polygon(0 0, 100% 0, 100% 100%);
  content: "";
}

.chat-panel {
  position: absolute;
  right: 0;
  bottom: 78px;
  display: none;
  width: min(430px, calc(100vw - 32px));
  max-height: min(650px, calc(100vh - 104px));
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 8px;
  background: #063149;
  box-shadow: var(--shadow);
}

.chat-widget.is-open .chat-panel {
  display: grid;
  grid-template-rows: auto minmax(84px, 1fr) auto;
}

.chat-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  padding: 16px 18px;
  background: rgba(255, 255, 255, 0.07);
}

.chat-header strong,
.chat-header span {
  display: block;
}

.chat-header strong {
  color: var(--white);
}

.chat-header span {
  color: var(--muted);
  font-size: 0.85rem;
}

.chat-header button {
  display: grid;
  place-items: center;
  width: 34px;
  height: 34px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 50%;
  color: var(--white);
  background: transparent;
  cursor: pointer;
  font: inherit;
  font-weight: 900;
}

.chat-messages {
  display: grid;
  align-content: start;
  gap: 10px;
  min-height: 0;
  overflow-y: auto;
  scrollbar-width: thin;
  scrollbar-color: rgba(17, 200, 218, 0.42) transparent;
  padding: 16px 18px;
}

.chat-bubble {
  width: fit-content;
  max-width: 88%;
  border-radius: 8px;
  padding: 10px 13px;
  color: var(--ink);
  font-size: 0.92rem;
}

.chat-bubble.bot {
  background: rgba(255, 255, 255, 0.1);
}

.chat-bubble.user {
  justify-self: end;
  color: #041d2b;
  background: linear-gradient(135deg, var(--cyan), #f4fbff 58%, var(--blue));
}

.chat-questions {
  display: flex;
  flex-wrap: wrap;
  gap: 7px;
  padding: 0 18px 16px;
  max-height: 260px;
  overflow-y: auto;
  scrollbar-width: none;
}

.chat-questions::-webkit-scrollbar {
  display: none;
}

.chat-questions button {
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 999px;
  padding: 7px 9px;
  color: var(--silver);
  background: rgba(255, 255, 255, 0.06);
  cursor: pointer;
  font: inherit;
  font-size: 0.78rem;
  font-weight: 800;
}

.chat-questions button:hover {
  border-color: rgba(17, 200, 218, 0.45);
  color: var(--white);
}

@media (max-width: 980px) {
  .site-header {
    display: flex;
    flex-wrap: wrap;
  }

  .header-cta {
    display: inline-flex;
    min-height: 42px;
    margin-left: auto;
    padding: 0 16px;
    font-size: 0.9rem;
  }

  .hero,
  .intro,
  .about,
  .insights-hero,
  .service-detail-hero,
  .detail-grid,
  .contact {
    grid-template-columns: 1fr;
  }

  .hero {
    min-height: 700px;
  }

  .hero-content {
    margin-left: 0;
  }

  .hero-media {
    inset: 0;
  }

  .service-grid,
  .steps,
  .testimonial-grid,
  .insights-grid,
  .lender-strip,
  .calculator-panel {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .calculator-panel {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 660px) {
  .site-header {
    position: static;
    align-items: center;
    gap: 10px 12px;
    padding: 12px 18px 14px;
  }

  .brand {
    order: 1;
  }

  .brand img {
    width: 92px;
    height: 62px;
  }

  .header-cta {
    order: 2;
    min-height: 38px;
    margin-left: auto;
    padding: 0 12px;
    font-size: 0.82rem;
  }

  .main-nav {
    order: 3;
    width: 100%;
    justify-content: flex-start;
    flex-wrap: nowrap;
    gap: 8px;
    overflow-x: auto;
    padding: 8px 0 2px;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
    font-size: 0.78rem;
    scrollbar-width: none;
  }

  .main-nav::-webkit-scrollbar {
    display: none;
  }

  .main-nav a {
    flex: 0 0 auto;
    padding: 7px 10px;
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.045);
  }

  .main-nav a[href="#contact"],
  .main-nav a[href="index.html#contact"] {
    display: none;
  }

  .contact-info-list {
    gap: 20px;
  }

  .contact-info-item {
    grid-template-columns: 58px minmax(0, 1fr);
    gap: 14px;
  }

  .contact-socials {
    padding-left: 0;
  }

  .contact-qr-card {
    margin-left: 0;
  }

  .hero {
    min-height: 680px;
    padding-top: 0;
  }

  h1 {
    font-size: clamp(2.1rem, 9.8vw, 3rem);
    line-height: 1.04;
  }

  h2 {
    font-size: clamp(1.62rem, 7.2vw, 2.38rem);
    line-height: 1.08;
  }

  .service-grid,
  .steps,
  .testimonial-grid,
  .insights-grid,
  .lender-strip,
  .result-grid {
    grid-template-columns: 1fr;
  }

  .insights-hero {
    min-height: auto;
    padding-top: 58px;
  }

  .insights-feature,
  .insight-card {
    min-height: auto;
  }

  .service-detail-hero {
    min-height: auto;
    gap: 26px;
    padding: 58px 22px 46px;
    overflow: hidden;
  }

  .service-detail-hero h1 {
    max-width: 100%;
    font-size: clamp(1.95rem, 8.9vw, 2.85rem);
    line-height: 1.05;
    overflow-wrap: anywhere;
  }

  .service-detail-hero > div > p:not(.eyebrow) {
    font-size: 1rem;
  }

  .service-detail-card {
    width: 100%;
    min-height: 320px;
    padding: 24px;
  }

  .service-detail-card strong {
    margin: 84px 0 14px;
    font-size: clamp(1.4rem, 6.3vw, 2rem);
  }

  .service-detail .section-heading h2 {
    font-size: clamp(1.65rem, 7.2vw, 2.3rem);
  }

  .detail-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .detail-grid article {
    min-height: auto;
    padding: 24px;
  }

  .hero-actions,
  .primary-button,
  .secondary-button {
    width: 100%;
  }

  .hero-content {
    padding: 120px 22px 64px;
  }

  .hero-media {
    display: block;
    inset: 0;
  }

  .hero-media::before {
    background:
      linear-gradient(180deg, rgba(6, 49, 73, 0.86) 0%, rgba(6, 49, 73, 0.68) 40%, rgba(6, 49, 73, 0.9) 100%),
      linear-gradient(90deg, rgba(6, 49, 73, 0.52), rgba(6, 49, 73, 0.18));
  }

  .mfaa-calculator-tabs {
    display: grid;
    grid-template-columns: 1fr;
  }

  .mfaa-calculator-header {
    display: grid;
  }

  .mfaa-calculator-header a {
    width: 100%;
  }

  .VisiCalcClass {
    min-width: 100%;
    min-height: 1450px !important;
  }

  #Loan_Repayment_Calculator {
    min-height: 1550px !important;
  }

  #Borrowing_Power_Calculator,
  #Loan_Comparison_Calculator,
  #Property_Buying_Cost_Calculator,
  #Reverse_Mortgage_Calculator {
    min-height: 1800px !important;
  }

  #Home_Loan_Offset_Calculator,
  #Interest_Only_Mortgage_Calculator,
  #Lump_Sum_Repayment_Calculator {
    min-height: 1450px !important;
  }

  #How_Long_to_Repay_Calculator,
  #Stamp_Duty_Calculator {
    min-height: 1250px !important;
  }

  #Income_Tax_Calculator,
  #Income_Annualisation_Calculator {
    min-height: 1700px !important;
  }

  .gallery-heading {
    display: block;
  }

  .gallery-card {
    width: 250px;
    min-height: 190px;
  }

  .chat-widget {
    right: 12px;
    bottom: 12px;
  }

  .chat-panel {
    width: calc(100vw - 24px);
    max-height: calc(100vh - 96px);
    bottom: 72px;
  }

  .chat-toggle {
    width: 58px;
    height: 58px;
  }

  .footer-main {
    display: grid;
    grid-template-columns: 1fr;
    justify-items: center;
    text-align: center;
  }

  .footer-stripe {
    display: grid;
    justify-items: center;
    gap: 18px;
    padding: 26px 0;
  }

  .footer-logo img {
    width: 180px;
    height: 82px;
    object-position: center;
  }

  .footer-nav {
    justify-content: center;
    gap: 12px 18px;
  }

  .footer-lower {
    grid-template-columns: 1fr;
    justify-items: center;
    gap: 24px;
  }

  .adviser-profile {
    grid-template-columns: 1fr;
  }

  .adviser-profile__image {
    min-height: 420px;
    order: -1;
  }

  .footer-copy {
    justify-items: center;
    text-align: center;
  }

  .footer-legal {
    justify-content: center;
  }

  .footer-badges {
    justify-content: center;
  }

  .google-rating-badge {
    min-width: min(240px, 100%);
    padding: 10px 14px;
  }

  .pre-approval-banner {
    display: block;
  }

  .pre-approval-banner nav {
    margin-top: 16px;
  }

  .pre-approval-form {
    grid-template-columns: 1fr;
  }

  .pre-approval-fields.two-column {
    grid-template-columns: 1fr;
  }

  .pdf-modal {
    padding: 10px;
  }

  .pdf-modal__panel {
    height: calc(100vh - 20px);
    border-radius: 8px;
  }

  .pdf-modal__header {
    padding: 13px 12px 12px 14px;
  }

  .pdf-modal__close {
    width: 38px;
    height: 38px;
  }

  .pdf-modal__frame {
    height: calc(100% - 69px);
  }
}

@media (prefers-reduced-motion: reduce) {
  .gallery-track {
    animation: none;
  }
}