/* ==========================================================================
   Direct Mortgages — main stylesheet
   Every section maps to one ACF Flexible Content layout (see ACF-FIELD-MAP.md).
   Section classes are prefixed .l-{layout_name}; shared components use .c-*.
   ========================================================================== */

:root {
  /* Brand: blue #283891 and green #51A44E (from the Direct Mortgages logo) */
  --navy-950: #121a4a;
  --navy-900: #1b2569;
  --blue: #283891;
  --blue-500: #4a5bb8;
  --tint-100: #eef1f9;
  --tint-200: #dde2f2;
  --line: #d3d9ec;
  --green: #51a44e;        /* brand green: CTAs and highlights */
  --green-dark: #3f8c3c;
  --green-cta: #3a8237;    /* deeper brand green: white text passes AA (4.7:1) */
  --ink: #141a3a;
  --muted: #525a78;
  --white: #ffffff;

  --font-display: "Bricolage Grotesque", "Helvetica Neue", Arial, sans-serif;
  --font-body: "Instrument Sans", "Helvetica Neue", Arial, sans-serif;

  --step--1: 0.875rem;
  --step-0: 1.0625rem;
  --step-1: 1.25rem;
  --step-2: 1.6rem;
  --step-3: clamp(1.9rem, 1.4rem + 1.6vw, 2.6rem);
  --step-4: clamp(2.4rem, 1.6rem + 2.8vw, 4rem);

  --wrap: 1180px;
  --gutter: clamp(16px, 4vw, 40px);
  --space-section: clamp(64px, 8vw, 112px);
  --radius: 6px;
  --gable: polygon(0 18%, 50% 0, 100% 18%, 100% 100%, 0 100%);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 100px; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } * { transition: none !important; animation: none !important; } }

body {
  margin: 0;
  background: var(--white);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: var(--step-0);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); text-underline-offset: 3px; }
a:hover { color: var(--navy-900); }
:focus-visible { outline: 3px solid var(--green); outline-offset: 3px; border-radius: 2px; }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.12;
  letter-spacing: -0.015em;
  margin: 0 0 0.5em;
  color: var(--navy-900);
}
h1 { font-size: var(--step-4); letter-spacing: -0.03em; }
h2 { font-size: var(--step-3); }
h3 { font-size: var(--step-1); }
p { margin: 0 0 1em; }
.lead { font-size: var(--step-1); color: var(--muted); max-width: 60ch; }

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 var(--gutter); }
.section { padding: var(--space-section) 0; }
.section--tint { background: var(--tint-100); }
.section--dark { background: var(--navy-900); color: #e3e7f5; }
.section--dark h2, .section--dark h3 { color: var(--white); }
.section__head { max-width: 62ch; margin-bottom: 48px; }
.section__head p { color: var(--muted); }
.section--dark .section__head p { color: #bcc4e6; }
.prose { max-width: 68ch; }
.prose ul { padding-left: 1.2em; }
.prose li { margin-bottom: 0.35em; }
.visually-hidden { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip-link { position: absolute; left: 12px; top: -60px; background: var(--green-cta); color: var(--white); padding: 10px 16px; z-index: 100; font-weight: 600; }
.skip-link:focus { top: 12px; }

/* ---------- Buttons ----------
   primary: deep brand green, white text; hover swaps to brand blue
   outline: blue outline; hover fills blue
   on dark sections the hover inverts to white so it stays visible */
.c-btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font: 600 1rem/1 var(--font-body); letter-spacing: 0.01em;
  padding: 16px 26px; border-radius: 999px; border: 2px solid transparent;
  text-decoration: none; cursor: pointer;
  transition: background-color .18s ease, color .18s ease, border-color .18s ease, box-shadow .18s ease;
}
.c-btn--primary { background: var(--green-cta); color: var(--white); box-shadow: 0 6px 16px -8px rgba(58, 130, 55, .7); }
.c-btn--primary:hover { background: var(--blue); color: var(--white); box-shadow: 0 6px 16px -8px rgba(40, 56, 145, .7); }
.c-btn--primary:active { box-shadow: none; }
.c-btn--outline { border-color: var(--blue); color: var(--blue); background: transparent; }
.c-btn--outline:hover { background: var(--blue); color: var(--white); }
.section--dark .c-btn--primary:hover, .l-callback .c-btn--primary:hover { background: var(--white); color: var(--blue); }
.section--dark .c-btn--outline { border-color: var(--white); color: var(--white); }
.section--dark .c-btn--outline:hover { background: var(--white); color: var(--blue); }
.c-btn-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }

/* App store buttons */
.c-store-row { display: flex; flex-wrap: wrap; gap: 12px; }
.c-store {
  display: inline-flex; align-items: center; gap: 10px; padding: 12px 20px 12px 16px; border-radius: 999px;
  background: var(--navy-900); color: var(--white); font: 600 0.98rem/1 var(--font-body); text-decoration: none;
  transition: background-color .18s ease;
}
.c-store svg { width: 20px; height: 20px; flex: none; }
.c-store:hover { background: var(--green-cta); color: var(--white); }

/* Small uppercase subheadings carried over from the original copy */
.caps { font: 700 0.82rem/1.45 var(--font-body); letter-spacing: 0.06em; color: var(--blue); margin: 1.9em 0 0.6em; }

/* ---------- Header (header.php) ---------- */
.site-topbar { background: var(--navy-950); color: #c9d0ec; font-size: var(--step--1); }
.site-topbar .wrap { display: flex; justify-content: space-between; gap: 16px; padding-top: 8px; padding-bottom: 8px; flex-wrap: wrap; }
.site-topbar a { color: var(--white); text-decoration: none; }
.site-topbar a:hover { text-decoration: underline; }
.site-topbar__phones { display: flex; gap: 20px; flex-wrap: wrap; }
.site-topbar__social { display: flex; gap: 16px; }

.site-header { background: var(--white); border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 50; }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 24px; min-height: 84px; }
.site-logo img { height: 52px; width: auto; }
.site-nav { display: flex; align-items: center; gap: 28px; }
.site-nav__list { display: flex; gap: 4px; list-style: none; margin: 0; padding: 0; }
.site-nav__list > li { position: relative; }
.site-nav__list a, .site-nav__list button {
  display: block; padding: 10px 12px; color: var(--ink); text-decoration: none;
  font: 500 0.98rem/1.2 var(--font-body); background: none; border: 0; cursor: pointer; border-radius: 4px;
}
.site-nav__list a:hover, .site-nav__list button:hover { color: var(--blue); background: var(--tint-100); }
.site-nav__list a[aria-current="page"] { color: var(--blue); box-shadow: inset 0 -2px 0 var(--green); border-radius: 0; }
.site-nav__list .has-sub > button::after { content: ""; display: inline-block; margin-left: 6px; border: 5px solid transparent; border-top-color: currentColor; transform: translateY(2px); }
.sub-menu {
  list-style: none; margin: 0; padding: 8px; position: absolute; top: 100%; left: 0; min-width: 220px;
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: 0 12px 30px -12px rgba(18, 26, 74, .25); display: none;
}
.has-sub:hover > .sub-menu, .has-sub:focus-within > .sub-menu, .has-sub.is-open > .sub-menu { display: block; }
.nav-toggle { display: none; background: none; border: 2px solid var(--navy-900); border-radius: 999px; padding: 10px 16px; font: 600 0.95rem var(--font-body); color: var(--navy-900); cursor: pointer; }

@media (max-width: 1100px) {
  .nav-toggle { display: inline-block; }
  .site-nav { display: none; position: absolute; left: 0; right: 0; top: 100%; background: var(--white); border-bottom: 1px solid var(--line); padding: 12px var(--gutter) 24px; flex-direction: column; align-items: stretch; gap: 16px; }
  .site-nav.is-open { display: flex; }
  .site-nav__list { flex-direction: column; }
  .site-nav__list a, .site-nav__list button { padding: 14px 4px; width: 100%; text-align: left; border-bottom: 1px solid var(--tint-200); border-radius: 0; }
  .sub-menu { position: static; display: block; border: 0; box-shadow: none; padding: 0 0 0 16px; }
  .site-nav .c-btn { align-self: flex-start; }
}

/* ---------- Layout: hero ----------
   Navy band with the background photo on the left, fading out to solid navy towards the right where
   the calculator card sits. Headline and actions in white over a darkened photo.
   Kept short so the quick-link bar (next section) straddles the hero's bottom edge, above the fold on a laptop. */
.l-hero { position: relative; background: var(--navy-900); color: var(--white); isolation: isolate; overflow: hidden; }
.l-hero__bg { position: absolute; inset: 0 auto 0 0; width: min(72%, 1100px); z-index: -1; }
.l-hero__bg img { width: 100%; height: 100%; object-fit: cover; object-position: 0% 30%; }
.l-hero__bg::after { /* darken for legible text, then fade the photo out into the navy */
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(90deg, rgba(18, 26, 74, .5) 0%, rgba(18, 26, 74, .42) 30%, rgba(18, 26, 74, .5) 48%, rgba(27, 37, 105, .9) 75%, var(--navy-900) 100%);
}
.l-hero .wrap { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 440px); gap: clamp(32px, 5vw, 80px); align-items: center; padding-top: clamp(32px, 3.5vw, 48px); padding-bottom: 80px; }
.l-hero__copy h1 { margin: 0; color: var(--white); font-size: clamp(2.6rem, 1.6rem + 3vw, 4.2rem); text-wrap: balance; text-shadow: 0 2px 24px rgba(18, 26, 74, .45); }
.l-hero__copy .c-btn-row { margin-top: 26px; }
.l-hero__app { margin-top: 26px; }
.l-hero__app h2 { font: 600 0.95rem/1.3 var(--font-body); letter-spacing: 0.01em; color: var(--white); margin: 0 0 10px; text-shadow: 0 1px 8px rgba(18, 26, 74, .7); }
.l-hero .c-store { background: rgba(255, 255, 255, .1); border: 1px solid rgba(255, 255, 255, .45); backdrop-filter: blur(4px); }
.l-hero .c-store:hover { background: var(--white); color: var(--navy-900); border-color: var(--white); }
.l-hero .c-btn--primary:hover { background: var(--white); color: var(--blue); }

/* Calculator card */
.c-calc.c-calc--hero { grid-template-columns: 1fr; color: var(--ink); border: 0; border-top: 4px solid var(--green); box-shadow: 0 30px 60px -24px rgba(8, 12, 40, .7); }
.c-calc--hero .c-calc__results { background: var(--blue); }
.c-calc--hero .c-calc__warning { border-top-color: rgba(255, 255, 255, .25); }
.c-calc.c-calc--hero .c-calc__inputs { grid-template-columns: 1fr 1fr; gap: 12px 14px; padding: 20px 22px 18px; }
.c-calc--hero h2 { grid-column: 1 / -1; font: 600 1.2rem/1.2 var(--font-display); margin: 0 0 2px; }
.c-calc--hero .c-field label { font-size: 0.85rem; margin-bottom: 5px; }
.c-calc--hero .c-field input[type="number"] { padding: 10px 11px; }
.c-calc--hero .c-affix span { padding: 0 10px; }
.c-calc--hero .c-calc__results { padding: 16px 22px 18px; }
.c-calc__row { display: flex; justify-content: space-between; align-items: center; gap: 8px 16px; flex-wrap: wrap; }
.c-calc--hero .c-calc__row h3 { font-size: 0.95rem; }
.c-calc--hero .c-calc__big { font-size: 2.1rem; margin: 0; }
.c-calc--hero .c-calc__warning { margin-top: 12px; padding-top: 10px; font-size: 0.8rem; line-height: 1.4; }

@media (max-width: 860px) {
  .l-hero .wrap { grid-template-columns: 1fr; gap: 28px; padding-bottom: 56px; }
  .l-hero__bg { width: 100%; bottom: auto; height: 420px; }
  .l-hero__bg::after { background: linear-gradient(180deg, rgba(18, 26, 74, .6) 0%, rgba(18, 26, 74, .7) 60%, var(--navy-900) 100%); }
}
@media (max-width: 340px) { .c-calc.c-calc--hero .c-calc__inputs { grid-template-columns: 1fr; } }

/* ---------- Layout: page_header ---------- */
.l-page-header { background: var(--navy-900); color: #dbe0f3; padding: clamp(56px, 7vw, 96px) 0 clamp(48px, 6vw, 80px); position: relative; overflow: hidden; }
.l-page-header h1 { color: var(--white); font-size: var(--step-4); max-width: 16ch; }
.l-page-header__intro { position: relative; z-index: 1; max-width: 52ch; margin: 14px 0 0; font-size: var(--step-1); line-height: 1.5; }
.l-page-header .lead { color: #c3cbea; }
.l-page-header::before { /* blueprint grid texture, fading in from the left */
  content: ""; position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255, 255, 255, .05) 1px, transparent 1px), linear-gradient(90deg, rgba(255, 255, 255, .05) 1px, transparent 1px);
  background-size: 32px 32px; background-position: -1px -1px;
  -webkit-mask-image: linear-gradient(90deg, transparent 15%, #000 75%); mask-image: linear-gradient(90deg, transparent 15%, #000 75%);
}
.l-page-header::after { /* a line-drawn house in front of a terraced row, sitting on the bottom edge */
  content: ""; position: absolute; bottom: 0;
  right: max(var(--gutter), calc((100vw - var(--wrap)) / 2 + var(--gutter)));
  width: min(560px, 48vw); aspect-ratio: 640 / 300;
  background: url("../img/header-mortgages.svg") no-repeat right bottom / contain;
  transition: transform .6s ease;
}
.l-page-header:hover::after { transform: translateY(-4px); }
/* One illustration per page (ACF field: illustration) */
.l-page-header--insurance::after { background-image: url("../img/header-insurance.svg"); }
.l-page-header--calculator::after { background-image: url("../img/header-calculator.svg"); }
.l-page-header--team::after { background-image: url("../img/header-team.svg"); }
.l-page-header--contact::after { background-image: url("../img/header-contact.svg"); }
.l-page-header--testimonials::after { background-image: url("../img/header-testimonials.svg"); }
.l-page-header--providers::after { background-image: url("../img/header-providers.svg"); }
.l-page-header--terms::after { background-image: url("../img/header-terms.svg"); }
.l-page-header--privacy::after { background-image: url("../img/header-privacy.svg"); }
@media (max-width: 760px) {
  .l-page-header::after { width: 78vw; right: 0; opacity: .35; }
}
.breadcrumbs { font-size: var(--step--1); margin-bottom: 18px; position: relative; z-index: 1; }
.breadcrumbs ol { list-style: none; display: flex; gap: 8px; margin: 0; padding: 0; }
.breadcrumbs li + li::before { content: "/"; margin-right: 8px; color: #8f9bcf; }
.breadcrumbs a { color: #dbe0f3; }
.l-page-header .wrap { position: relative; z-index: 1; }

/* ---------- Layout: quick_links ----------
   Pulled up by half its height so it straddles the bottom of the hero. */
.l-quick-links { position: relative; z-index: 2; margin-top: -48px; }
.l-quick-links__grid { display: grid; grid-template-columns: repeat(4, 1fr); border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); box-shadow: 0 24px 50px -28px rgba(18, 26, 74, .45); overflow: hidden; }
.l-quick-links__item { min-height: 96px; padding: 20px 22px; text-decoration: none; color: var(--ink); display: flex; align-items: center; gap: 14px; transition: background-color .18s ease; }
.l-quick-links__item + .l-quick-links__item { border-left: 1px solid var(--line); }
.l-quick-links__item svg { width: 38px; height: 38px; flex: none; color: var(--green-cta); }
.l-quick-links__item h3 { font: 600 1.08rem/1.2 var(--font-display); color: var(--navy-900); margin: 0; }
.l-quick-links__item { position: relative; }
.l-quick-links__item::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 3px; background: var(--green); transform: scaleX(0); transform-origin: left; transition: transform .35s ease; }
.l-quick-links__item svg { transition: transform .35s ease; }
.l-quick-links__item:hover { background: var(--tint-100); }
.l-quick-links__item:hover::after { transform: scaleX(1); }
.l-quick-links__item:hover svg { transform: translateY(-3px) scale(1.08); }
.l-quick-links__item:hover h3 { color: var(--blue); }
@media (max-width: 960px) {
  .l-quick-links { margin-top: -32px; }
  .l-quick-links__grid { grid-template-columns: 1fr 1fr; }
  .l-quick-links__item:nth-child(3) { border-left: 0; }
  .l-quick-links__item:nth-child(n+3) { border-top: 1px solid var(--line); }
}
@media (max-width: 540px) {
  .l-quick-links__item { min-height: 76px; padding: 16px; }
  .l-quick-links__item svg { width: 30px; height: 30px; }
  .l-quick-links__item h3 { font-size: 1rem; }
}

/* ---------- Layout: text_image ---------- */
.l-text-image .wrap { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 6vw, 88px); align-items: center; }
.l-text-image--image-left .l-text-image__media { order: -1; }
.l-text-image__media { overflow: hidden; border-radius: var(--radius); }
.l-text-image__media--gable { border-radius: 0; }
.l-text-image__media img { transition: transform .8s ease; background: linear-gradient(160deg, var(--tint-200), var(--blue-500)); border-radius: var(--radius); aspect-ratio: 4 / 3; object-fit: cover; width: 100%; }
.l-text-image__media--gable img { clip-path: var(--gable); border-radius: 0; aspect-ratio: 1 / 1; }
@media (max-width: 860px) {
  .l-text-image .wrap { grid-template-columns: 1fr; }
  .l-text-image--image-left .l-text-image__media { order: 0; }
}

/* ---------- Layout: features ----------
   Cards that lift on hover; the green bar along the top grows and the icon fills green. */
.l-features__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.l-features__item { position: relative; overflow: hidden; background: var(--tint-100); border-radius: 12px; padding: 32px 28px 26px;
  transition: transform .35s ease, box-shadow .35s ease, background-color .35s ease; }
.l-features__item::before { content: ""; position: absolute; inset: 0 0 auto 0; height: 4px; background: var(--green); transform: scaleX(.18); transform-origin: left; transition: transform .45s ease; }
.l-features__icon { display: grid; place-items: center; width: 56px; height: 56px; border-radius: 50%; background: var(--white); color: var(--blue); margin-bottom: 18px; transition: background-color .35s ease, color .35s ease, transform .35s ease; }
.l-features__icon svg { width: 28px; height: 28px; }
.l-features__item p { color: var(--muted); margin: 0; }
.l-features__item:hover { transform: translateY(-6px); background: var(--white); box-shadow: 0 26px 50px -26px rgba(18, 26, 74, .4); }
.l-features__item:hover::before { transform: scaleX(1); }
.l-features__item:hover .l-features__icon { background: var(--green-cta); color: var(--white); transform: rotate(-6deg) scale(1.06); }
@media (max-width: 860px) { .l-features__grid { grid-template-columns: 1fr; } }

/* ---------- Layout: steps ---------- */
.l-steps__list { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; counter-reset: step; }
.l-steps__list li { counter-increment: step; position: relative; padding-top: 64px; }
.l-steps__list li::before {
  content: counter(step); position: absolute; top: 0; left: 0; width: 44px; height: 44px; border-radius: 50%;
  display: grid; place-items: center; background: var(--green); color: var(--navy-950); font: 600 1.15rem var(--font-display);
}
.l-steps__list li:not(:last-child)::after { content: ""; position: absolute; top: 22px; left: 56px; right: -12px; height: 2px; background: #4a5bb8; }
.l-steps__list p { color: #bcc4e6; font-size: 0.98rem; }
@media (max-width: 860px) {
  .l-steps__list { grid-template-columns: 1fr; }
  .l-steps__list li { padding: 0 0 0 64px; min-height: 44px; }
  .l-steps__list li:not(:last-child)::after { top: 52px; bottom: -20px; left: 21px; right: auto; width: 2px; height: auto; }
}

/* ---------- Layout: logos ---------- */
.l-logos { padding: 48px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.l-logos .wrap { display: flex; align-items: center; gap: 40px; flex-wrap: wrap; }
.l-logos h2 { font-size: var(--step-1); margin: 0; color: var(--muted); font-weight: 500; }
.l-logos__list { display: flex; gap: clamp(24px, 4vw, 56px); flex-wrap: wrap; list-style: none; margin: 0; padding: 0; align-items: center; }
.l-logos__list li { font: 600 1.35rem var(--font-display); color: var(--navy-900); letter-spacing: -0.01em; opacity: .7; transition: opacity .3s ease, color .3s ease, transform .3s ease; }
.l-logos__list li:hover { opacity: 1; color: var(--blue); transform: translateY(-2px); }
.l-logos__list img { height: 36px; width: auto; filter: grayscale(1); opacity: .8; }

/* ---------- Layout: testimonials ----------
   Scroll-snap carousel of quote cards with previous / next buttons. */
.l-testimonials__head { display: flex; align-items: flex-end; justify-content: space-between; gap: 16px 24px; flex-wrap: wrap; margin-bottom: 28px; }
.l-testimonials__head h2 { margin-bottom: 6px; }
.l-testimonials__head p { margin: 0; color: var(--muted); }
.c-carousel-nav { display: flex; gap: 10px; }
.c-carousel-nav__btn { display: grid; place-items: center; width: 48px; height: 48px; border-radius: 50%; border: 2px solid var(--blue); background: transparent; color: var(--blue); cursor: pointer; transition: background-color .2s ease, color .2s ease, opacity .2s ease, transform .2s ease; }
.c-carousel-nav__btn svg { width: 22px; height: 22px; }
.c-carousel-nav__btn:hover:not(:disabled) { background: var(--blue); color: var(--white); transform: scale(1.06); }
.c-carousel-nav__btn:disabled { opacity: .35; cursor: default; }
.c-carousel { display: grid; grid-auto-flow: column; grid-auto-columns: calc((100% - 48px) / 3); gap: 24px; overflow-x: auto; scroll-snap-type: x mandatory; scroll-behavior: smooth; scrollbar-width: none; padding: 10px 6px 30px; margin: -10px -6px -30px; }
.c-carousel::-webkit-scrollbar { display: none; }
.c-quote { scroll-snap-align: start; margin: 0; background: var(--white); border: 1px solid var(--line); border-radius: 12px; padding: 28px 28px 22px; display: flex; flex-direction: column; gap: 14px;
  transition: transform .35s ease, box-shadow .35s ease, border-color .35s ease; }
.c-quote:hover { transform: translateY(-6px); border-color: transparent; box-shadow: 0 26px 50px -26px rgba(18, 26, 74, .4); }
.c-quote__mark { width: 40px; height: 30px; color: var(--green); transition: transform .35s ease; }
.c-quote:hover .c-quote__mark { transform: translateX(4px); }
.c-quote__text { margin: 0; }
.c-quote__text p { margin: 0; font-size: 1.02rem; line-height: 1.65; color: var(--ink); display: -webkit-box; -webkit-line-clamp: 6; -webkit-box-orient: vertical; overflow: hidden; }
.c-quote.is-open .c-quote__text p { display: block; -webkit-line-clamp: unset; }
.c-quote__more { align-self: flex-start; background: none; border: 0; padding: 0; color: var(--blue); font: 600 0.95rem var(--font-body); text-decoration: underline; text-underline-offset: 3px; cursor: pointer; }
.c-quote__more:hover { color: var(--green-cta); }
.c-quote figcaption { display: flex; align-items: center; gap: 12px; margin-top: auto; padding-top: 16px; border-top: 1px solid var(--line); font-weight: 600; color: var(--navy-900); }
.c-quote__avatar { display: grid; place-items: center; flex: none; width: 42px; height: 42px; border-radius: 50%; background: var(--navy-900); color: var(--white); font: 600 0.85rem var(--font-body); letter-spacing: .04em; transition: background-color .35s ease; }
.c-quote:hover .c-quote__avatar { background: var(--green-cta); }
@media (max-width: 960px) { .c-carousel { grid-auto-columns: calc((100% - 24px) / 2); } }
@media (max-width: 600px) { .c-carousel { grid-auto-columns: 86%; } }

/* ---------- Layout: accordion (mortgage / insurance types) ---------- */
.l-accordion .wrap { display: grid; grid-template-columns: 280px 1fr; gap: clamp(32px, 5vw, 72px); align-items: start; }
.l-accordion__index { position: sticky; top: 110px; }
.l-accordion__index h2 { font-size: var(--step-1); }
.l-accordion__index ul { list-style: none; margin: 0; padding: 0; border-left: 2px solid var(--line); }
.l-accordion__index a { display: block; padding: 8px 0 8px 16px; margin-left: -2px; border-left: 2px solid transparent; text-decoration: none; color: var(--muted); }
.l-accordion__index a:hover, .l-accordion__index a.is-active { color: var(--navy-900); border-left-color: var(--green-dark); }
.c-acc { border-top: 1px solid var(--line); }
.c-acc__h { margin: 0; font-size: inherit; }
.c-acc__sub { display: block; font: 500 0.95rem/1.3 var(--font-body); color: var(--muted); letter-spacing: 0; margin-top: 4px; }
.l-accordion__index ul { margin-top: 0; }
.c-acc:last-child { border-bottom: 1px solid var(--line); }
.c-acc__btn {
  width: 100%; display: flex; justify-content: space-between; align-items: center; gap: 16px; text-align: left;
  padding: 26px 0; background: none; border: 0; cursor: pointer; font: 600 var(--step-2)/1.2 var(--font-display); color: var(--navy-900);
}
.c-acc__btn:hover { color: var(--blue); }
.c-acc__icon { flex: none; width: 36px; height: 36px; border-radius: 50%; border: 2px solid var(--line); position: relative; transition: background .15s; }
.c-acc__icon::before, .c-acc__icon::after { content: ""; position: absolute; left: 50%; top: 50%; width: 14px; height: 2px; background: var(--navy-900); transform: translate(-50%, -50%); }
.c-acc__icon::after { transform: translate(-50%, -50%) rotate(90deg); transition: transform .2s; }
.c-acc__btn[aria-expanded="true"] .c-acc__icon { background: var(--green); border-color: var(--green); }
.c-acc__btn[aria-expanded="true"] .c-acc__icon::after { transform: translate(-50%, -50%) rotate(0deg); }
.c-acc__panel { padding: 0 0 32px; }
.c-acc__panel[hidden] { display: none; }
.c-acc__panel h4.caps { font: 700 0.82rem/1.45 var(--font-body); letter-spacing: 0.06em; color: var(--blue); margin: 1.9em 0 0.6em; }
.c-notice { background: var(--tint-100); border-left: 4px solid var(--blue); padding: 14px 18px; font-weight: 600; margin: 1.2em 0; }
@media (max-width: 860px) {
  .l-accordion .wrap { grid-template-columns: 1fr; }
  .l-accordion__index { position: static; }
}

/* ---------- Layout: calculator ---------- */
.c-calc { display: grid; grid-template-columns: 1.3fr 1fr; border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line); background: var(--white); }
.c-calc__inputs { padding: clamp(24px, 4vw, 40px); display: grid; grid-template-columns: 1fr 1fr; gap: 24px; align-content: start; }
.c-calc__results { background: var(--navy-900); color: #d3d9f0; padding: clamp(24px, 4vw, 40px); display: flex; flex-direction: column; justify-content: center; }
.c-calc__results h3 { color: var(--white); font: 600 1rem/1.3 var(--font-body); margin: 0; }
.c-calc__big { font: 600 clamp(2.6rem, 2rem + 2.5vw, 4rem)/1 var(--font-display); color: var(--white); letter-spacing: -0.03em; margin: 10px 0 24px; font-variant-numeric: tabular-nums; }
.c-calc__warning { margin: 0; padding-top: 18px; border-top: 1px solid #36438f; font-weight: 600; font-size: 0.95rem; color: var(--white); }
.c-field label { display: block; font-weight: 600; margin-bottom: 8px; font-size: 0.98rem; }
.c-field label small { display: block; font-weight: 400; font-size: 0.85rem; color: var(--muted); margin-top: 2px; line-height: 1.4; }
.c-field input[type="number"], .c-field input[type="text"], .c-field input[type="email"], .c-field input[type="tel"], .c-field select, .c-field textarea {
  width: 100%; padding: 13px 14px; border: 1px solid #b6bfdc; border-radius: var(--radius); font: inherit; color: var(--ink); background: var(--white);
}
.c-field textarea { min-height: 140px; resize: vertical; }
.c-field input:focus, .c-field select:focus, .c-field textarea:focus { outline: 3px solid var(--green); outline-offset: 0; border-color: var(--blue); }
.c-affix { display: flex; align-items: stretch; border: 1px solid #b6bfdc; border-radius: var(--radius); background: var(--white); overflow: hidden; }
.c-affix span { display: grid; place-items: center; padding: 0 12px; background: var(--tint-100); color: var(--muted); font-weight: 600; }
.c-field .c-affix input { border: 0; border-radius: 0; min-width: 0; }
.c-affix:focus-within { outline: 3px solid var(--green); border-color: var(--blue); }
.c-field .c-affix input:focus { outline: 0; }
.c-seg { display: inline-flex; border: 1px solid #b6bfdc; border-radius: 999px; padding: 3px; }
.c-seg label { margin: 0; }
.c-seg input { position: absolute; opacity: 0; }
.c-seg span { display: block; padding: 8px 16px; border-radius: 999px; cursor: pointer; font-weight: 500; }
.c-seg input:checked + span { background: var(--navy-900); color: var(--white); }
.c-seg input:focus-visible + span { outline: 3px solid var(--green); }
@media (max-width: 860px) { .c-calc { grid-template-columns: 1fr; } }
@media (max-width: 560px) { .c-calc__inputs { grid-template-columns: 1fr; } }

/* ---------- Layout: team ---------- */
.l-team__group + .l-team__group { margin-top: 72px; }
.l-team__sub { font: 600 var(--step-1)/1.2 var(--font-display); color: var(--blue); margin: -4px 0 0; }
h2.l-team__intro { font-size: var(--step-1); line-height: 1.4; max-width: 60ch; }
.l-team__grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(220px, 1fr)); gap: 32px 24px; list-style: none; margin: 32px 0 0; padding: 0; }
.l-team__photo { aspect-ratio: 4 / 5; background: var(--tint-200); overflow: hidden; border-radius: 16px; margin-bottom: 16px; }
.l-team__photo img { width: 100%; height: 100%; object-fit: cover; object-position: top; transition: transform .6s ease; }
.l-team__grid li { transition: transform .35s ease; }
.l-team__grid li:hover { transform: translateY(-4px); }
.l-team__grid li:hover .l-team__photo img { transform: scale(1.06); }
.l-team__grid li:hover h3 { color: var(--blue); }
.l-team__grid h3 { margin-bottom: 2px; }
.l-team__role { color: var(--muted); margin-bottom: 10px; display: block; }
.l-team__grid a { display: block; font-size: 0.95rem; word-break: break-word; }

/* ---------- Offices (inside contact_form) ---------- */
.l-offices { display: grid; gap: 28px; align-content: start; }
.l-offices__item { border-top: 2px solid var(--blue); padding-top: 18px; transition: border-color .3s ease, transform .3s ease; }
.l-offices__item:hover { border-top-color: var(--green); transform: translateX(4px); }
.l-offices__item h3 { margin-bottom: 6px; }
.l-offices__item p { color: var(--muted); margin-bottom: 8px; }
.l-offices__item a.tel { font: 600 var(--step-1) var(--font-display); color: var(--navy-900); text-decoration: none; }
.l-offices__item a.tel:hover { color: var(--green-cta); }

/* ---------- Layout: contact_form / callback ---------- */
.c-form { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.c-form .c-field--full { grid-column: 1 / -1; }
.c-form .c-check { display: flex; gap: 10px; align-items: flex-start; font-size: 0.95rem; }
.c-form .c-check input { margin-top: 5px; width: 18px; height: 18px; accent-color: var(--blue); }
.c-form fieldset { border: 0; padding: 0; margin: 0; }
.c-form legend { font-weight: 600; margin-bottom: 8px; font-size: 0.98rem; }
@media (max-width: 640px) { .c-form { grid-template-columns: 1fr; } }

/* Callback band: compact, all fields on one row on desktop */
.l-callback { background: var(--navy-900); color: #e3e7f5; padding: 44px 0 36px; }
.l-callback__head { display: flex; align-items: baseline; justify-content: space-between; gap: 6px 24px; flex-wrap: wrap; margin-bottom: 20px; }
.l-callback__head h2 { color: var(--white); margin: 0; font-size: var(--step-2); }
.l-callback__hours { margin: 0; color: #bcc4e6; font-size: 0.92rem; }
.c-form--inline { grid-template-columns: repeat(3, minmax(0, 1fr)) auto auto; gap: 12px 14px; align-items: end; }
.c-form--inline .c-field label { font-size: 0.85rem; margin-bottom: 6px; }
.c-form--inline .c-field input { height: 48px; }
.c-form--inline .c-seg { height: 48px; align-items: center; }
.c-form--inline .c-btn { height: 48px; padding: 0 30px; }
.c-form--inline .c-check { margin-top: 2px; }
.l-callback .c-field label { color: var(--white); }
.l-callback .c-check { color: #e3e7f5; }
.l-callback .c-check a { color: #a8dca5; }
.l-callback .c-seg { border-color: #5163b5; }
.l-callback .c-seg span { color: #e3e7f5; }
.l-callback .c-seg input:checked + span { background: var(--white); color: var(--navy-900); }
.l-callback .c-form__status { color: #e3e7f5; }
@media (max-width: 1000px) {
  .c-form--inline { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .c-form--inline .c-form__submit { justify-self: start; }
}
@media (max-width: 560px) { .c-form--inline { grid-template-columns: 1fr; } }

.l-contact-form .wrap { display: grid; grid-template-columns: 1.4fr 1fr; gap: clamp(32px, 6vw, 88px); align-items: start; }
@media (max-width: 860px) { .l-contact-form .wrap { grid-template-columns: 1fr; } }
.c-form__status { margin: 0; }

/* ---------- Layout: app_download ---------- */
.l-app { background: var(--white); border-top: 1px solid var(--line); }
.l-app .wrap { display: flex; justify-content: space-between; align-items: center; gap: 24px; flex-wrap: wrap; padding-top: 40px; padding-bottom: 40px; }
.l-app h2 { margin: 0; font-size: var(--step-2); }

/* ---------- Layout: text_block ---------- */
.l-text-block .prose h3 { margin-top: 1.4em; }

/* ---------- Footer (footer.php) ---------- */
.site-footer { background: var(--navy-950); color: #b5bee2; font-size: 0.95rem; padding-top: 72px; }
.site-footer a { color: #e8ebf7; }
.site-footer__grid { display: grid; grid-template-columns: 1.3fr 1.4fr 1fr; gap: 40px; padding-bottom: 56px; }
.site-footer h2 { font-size: 1.05rem; color: var(--white); margin-bottom: 16px; }
.site-footer ul { list-style: none; margin: 0; padding: 0; }
.site-footer li { margin-bottom: 8px; }
.site-footer__links { columns: 2; column-gap: 24px; }
.site-footer__links li { break-inside: avoid; }
.site-footer a:hover { color: #a8dca5; }
.site-footer__legal h2 { font: 700 0.85rem/1.4 var(--font-body); letter-spacing: 0.08em; color: var(--white); margin-bottom: 12px; }
.site-footer__logo img { height: 52px; width: auto; margin-bottom: 18px; }
.site-footer__warning { border: 1px solid #36438f; border-radius: var(--radius); padding: 16px 20px; color: var(--white); font-weight: 600; margin-bottom: 24px; }
.site-footer__legal { border-top: 1px solid #2a3577; padding: 32px 0; font-size: var(--step--1); line-height: 1.6; }
.site-footer__legal p { max-width: 110ch; }
.site-footer__bottom { border-top: 1px solid #2a3577; padding: 20px 0 28px; display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; font-size: var(--step--1); }
.site-footer__bottom ul { display: flex; gap: 20px; flex-wrap: wrap; }
.site-footer__bottom li { margin: 0; }
@media (max-width: 900px) { .site-footer__grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .site-footer__grid { grid-template-columns: 1fr; } }

@media (max-width: 700px) { .site-topbar { display: none; } }

/* ---------- Shared hover details ---------- */
@media (hover: hover) {
  .l-text-image:hover .l-text-image__media img { transform: scale(1.04); }
  .c-acc__btn:hover .c-acc__icon { border-color: var(--green); transform: rotate(90deg); }
  .c-acc__icon { transition: background-color .2s ease, border-color .2s ease, transform .3s ease; }
  .c-btn:hover, .c-store:hover { transform: translateY(-2px); }
}
.c-btn, .c-store { transition: background-color .18s ease, color .18s ease, border-color .18s ease, box-shadow .18s ease, transform .18s ease; }
.site-footer__links a, .site-footer li a { text-decoration: none; background: linear-gradient(currentColor, currentColor) 0 100% / 0 1px no-repeat; transition: background-size .3s ease, color .2s ease; padding-bottom: 1px; }
.site-footer__links a:hover, .site-footer li a:hover { background-size: 100% 1px; }

/* ---------- Scroll reveal ----------
   Sections fade up softly as they enter the viewport. Only applies when JavaScript is running
   and the visitor hasn't asked for reduced motion; otherwise everything is simply visible. */
@media (prefers-reduced-motion: no-preference) {
  .js .reveal { opacity: 0; transform: translateY(22px); transition: opacity .7s ease, transform .7s cubic-bezier(.2, .7, .2, 1); transition-delay: var(--reveal-delay, 0s); }
  .js .reveal.is-in { opacity: 1; transform: none; }
}

/* ---------- Layout: intro_split ---------- */
.l-intro__grid { display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(0, 1fr); gap: clamp(28px, 5vw, 72px); align-items: start; }
.l-intro__aside { display: grid; gap: 18px; }
.c-pull { margin: 0; padding: 26px 28px; border-radius: 12px; background: var(--navy-900); color: var(--white); font: 600 1.05rem/1.45 var(--font-display); letter-spacing: .02em; position: relative; overflow: hidden; }
.c-pull::before { content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 5px; background: var(--green); }
.c-highlight { display: grid; grid-template-columns: 44px 1fr; gap: 16px; align-items: start; padding: 26px 28px; border-radius: 12px; background: var(--tint-100); border-top: 4px solid var(--green); }
.c-highlight svg { width: 44px; height: 44px; color: var(--blue); }
.c-highlight p { margin: 0; }
.c-steps3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; margin-top: 44px; }
.c-step3 { padding: 26px 24px; border: 1px solid var(--line); border-radius: 12px; background: var(--white); transition: transform .35s ease, box-shadow .35s ease, border-color .35s ease; }
.c-step3 svg { width: 40px; height: 40px; color: var(--green-cta); margin-bottom: 14px; transition: transform .35s ease; }
.c-step3 p { margin: 0; color: var(--muted); }
.c-step3:hover { transform: translateY(-5px); border-color: transparent; box-shadow: 0 24px 46px -26px rgba(18, 26, 74, .4); }
.c-step3:hover svg { transform: scale(1.1) rotate(-4deg); }
@media (max-width: 860px) { .l-intro__grid, .c-steps3 { grid-template-columns: 1fr; } }

/* ---------- Callout (regulatory notices) ---------- */
.c-callout { display: grid; grid-template-columns: 24px 1fr; gap: 12px; align-items: start; padding: 16px 18px; border-radius: 10px; background: #fff8e6; border: 1px solid #f0d998; color: var(--ink); }
.c-callout p { margin: 0; font-weight: 600; font-size: 0.97rem; }
.c-callout__icon { width: 24px; height: 24px; color: #9a6b00; }

/* ---------- Layout: topics ----------
   A slim sticky menu on the left picks the topic; the topic shows straight away on the right.
   On phones the menu becomes one row of chips that sticks under the header. */
.l-topics .wrap { display: grid; grid-template-columns: 260px minmax(0, 1fr); gap: 20px 40px; align-items: start; }
.l-topics__intro { grid-column: 1 / -1; font: 600 var(--step-1)/1.4 var(--font-display); color: var(--navy-900); max-width: 60ch; margin: 0 0 4px; }
.c-picker { position: sticky; top: 104px; display: flex; flex-direction: column; gap: 4px; padding: 8px; border-radius: 14px; background: var(--white); box-shadow: 0 18px 40px -30px rgba(18, 26, 74, .45); }
.c-picker__tile { display: flex; align-items: center; gap: 12px; width: 100%; padding: 10px 12px; border: 0; border-radius: 10px; background: transparent; color: var(--navy-900); font: 600 0.93rem/1.25 var(--font-body); text-align: left; cursor: pointer; position: relative;
  transition: background-color .2s ease, color .2s ease, padding-left .2s ease; }
.c-picker__icon { flex: none; width: 22px; height: 22px; color: var(--green-cta); transition: color .2s ease, transform .2s ease; }
.c-picker__tile:hover { background: var(--tint-100); padding-left: 16px; }
.c-picker__tile:hover .c-picker__icon { transform: scale(1.12); }
.c-picker__tile[aria-selected="true"] { background: var(--navy-900); color: var(--white); padding-left: 16px; }
.c-picker__tile[aria-selected="true"] .c-picker__icon { color: var(--green); }
.c-picker__tile[aria-selected="true"]::before { content: ""; position: absolute; left: 0; top: 10px; bottom: 10px; width: 3px; border-radius: 3px; background: var(--green); }
.c-topics { display: grid; gap: 32px; min-width: 0; }
.js .c-topic[data-inactive] { display: none; }
.c-topic { background: var(--white); border-radius: 16px; padding: clamp(24px, 3.5vw, 40px); box-shadow: 0 24px 60px -40px rgba(18, 26, 74, .45); display: grid; gap: 22px; scroll-margin-top: 110px; }
.js .c-topic.is-entering { animation: topicIn .4s ease both; }
@keyframes topicIn { from { opacity: 0; transform: translateX(10px); } to { opacity: 1; transform: none; } }
.c-topic__head { display: flex; align-items: center; gap: 16px; }
.c-topic__icon { display: grid; place-items: center; flex: none; width: 52px; height: 52px; border-radius: 50%; background: var(--tint-100); color: var(--blue); }
.c-topic__icon svg { width: 26px; height: 26px; }
.c-topic__title { margin: 0; font-size: var(--step-3); }
.c-topic__sub { display: block; font: 500 1rem/1.3 var(--font-body); color: var(--muted); letter-spacing: 0; margin-top: 4px; }
.c-topic__lead { font-size: var(--step-1); line-height: 1.55; color: var(--navy-900); max-width: 64ch; margin: 0 0 1em; }
.c-topic > .c-topic__lead { margin: 0; }
.c-topic__more { margin: 0; }
.c-topic__more p:last-child { margin-bottom: 0; }
.c-facts { columns: 2 280px; column-gap: 14px; }
.c-facts .c-fact { break-inside: avoid; margin-bottom: 14px; }
.c-fact { position: relative; padding: 18px 18px 18px 22px; border-radius: 10px; background: var(--tint-100); transition: background-color .3s ease, transform .3s ease; }
.c-fact::before { content: ""; position: absolute; left: 0; top: 16px; bottom: 16px; width: 3px; border-radius: 3px; background: var(--green); }
.c-fact p { margin: 0; font-size: 0.97rem; }
.c-fact:hover { background: var(--tint-200); transform: translateY(-2px); }
.c-points { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 16px; }
.c-point { padding: 22px 22px 8px; border: 1px solid var(--line); border-radius: 12px; transition: border-color .3s ease, box-shadow .3s ease, transform .3s ease; }
.c-point h4 { font: 700 0.82rem/1.4 var(--font-body); letter-spacing: .06em; color: var(--blue); margin: 0 0 10px; padding-bottom: 10px; border-bottom: 2px solid var(--tint-200); transition: border-color .3s ease; }
.c-point p { font-size: 0.97rem; }
.c-point:hover { border-color: transparent; box-shadow: 0 20px 40px -26px rgba(18, 26, 74, .4); transform: translateY(-3px); }
.c-point:hover h4 { border-bottom-color: var(--green); }
.c-ticks { list-style: none; padding: 0; margin: 0 0 1em; display: grid; gap: 8px; }
.c-ticks li { position: relative; padding-left: 30px; margin: 0; }
.c-ticks li::before { content: ""; position: absolute; left: 0; top: 3px; width: 20px; height: 20px; border-radius: 50%; background: var(--green-cta) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5.5 10.5l3 3 6-6.5' fill='none' stroke='white' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center / 20px no-repeat; }
.c-topic__cta { display: flex; justify-content: flex-start; padding-top: 4px; }
@media (max-width: 960px) {
  .l-topics .wrap { grid-template-columns: minmax(0, 1fr); }
  .c-picker { top: 76px; z-index: 5; flex-direction: row; overflow-x: auto; scroll-snap-type: x proximity; gap: 6px; padding: 8px; margin-inline: calc(var(--gutter) * -1); border-radius: 0; background: rgba(238, 241, 249, .96); backdrop-filter: blur(6px); box-shadow: 0 10px 20px -18px rgba(18, 26, 74, .6); scrollbar-width: none; }
  .c-picker::-webkit-scrollbar { display: none; }
  .c-picker__tile { flex: none; width: auto; white-space: nowrap; padding: 9px 14px; border-radius: 999px; background: var(--white); scroll-snap-align: start; }
  .c-picker__tile:hover, .c-picker__tile[aria-selected="true"] { padding-left: 14px; }
  .c-picker__tile[aria-selected="true"]::before { display: none; }
  .c-picker__icon { width: 18px; height: 18px; }
  .c-topic { scroll-margin-top: 150px; }
}
@media (max-width: 600px) { .c-points { grid-template-columns: 1fr; } }

/* ---------- Layout: legal (terms, privacy) ---------- */
.l-legal__grid { display: grid; grid-template-columns: 260px minmax(0, 1fr); gap: 48px; align-items: start; }
.l-legal__toc { position: sticky; top: 104px; max-height: calc(100vh - 130px); overflow: auto; padding: 18px; border-radius: 14px; background: var(--tint-100); }
.l-legal__toc-title { font: 700 0.8rem/1.4 var(--font-body); letter-spacing: .08em; text-transform: uppercase; color: var(--muted); margin: 0 0 10px; }
.l-legal__toc ol { list-style: none; margin: 0; padding: 0; display: grid; gap: 2px; }
.l-legal__toc a { display: block; padding: 6px 10px; border-radius: 8px; color: var(--navy-900); text-decoration: none; font-size: 0.9rem; line-height: 1.35; transition: background-color .2s ease, color .2s ease; }
.l-legal__toc .lvl-3 a { padding-left: 22px; font-size: 0.86rem; color: var(--muted); }
.l-legal__toc a:hover { background: var(--white); color: var(--blue); }
.l-legal__toc a.is-current { background: var(--navy-900); color: var(--white); }
.l-legal__body { max-width: 72ch; }
.l-legal__body h2 { font-size: var(--step-2); margin-top: 1.8em; padding-top: 1.2em; border-top: 1px solid var(--line); scroll-margin-top: 110px; }
.l-legal__body h2:first-child { margin-top: 0; padding-top: 0; border-top: 0; }
.l-legal__body h3 { font-size: var(--step-1); margin-top: 1.6em; scroll-margin-top: 110px; }
.c-legal__sub { font: 700 0.85rem/1.4 var(--font-body); letter-spacing: .06em; text-transform: uppercase; color: var(--blue); margin: 1.4em 0 .6em; }
.c-legal__label { font-weight: 600; color: var(--navy-900); margin-bottom: .5em; }
.c-ticks--plain li::before { width: 8px; height: 8px; top: 9px; left: 8px; background: var(--green-cta); }
.c-ticks--plain li { padding-left: 26px; }
.c-numbered { padding-left: 1.3em; }
.c-numbered li { margin-bottom: .5em; }
.c-legal__card { padding: 18px 20px; border-radius: 12px; background: var(--tint-100); border-left: 4px solid var(--green); margin: 0 0 1.2em; }
.c-legal__card p { margin: 0; }
.l-legal__body .c-callout { margin: 0 0 1.2em; }
@media (max-width: 960px) {
  .l-legal__grid { grid-template-columns: 1fr; }
  .l-legal__toc { position: static; max-height: none; }
}

/* ---------- Layout: logo_grid (panel providers) ---------- */
.l-providers__grid { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px; }
.c-provider { display: grid; place-items: center; min-height: 120px; padding: 20px; border-radius: 12px; background: var(--white); border: 1px solid var(--line); text-align: center;
  font: 600 1.25rem/1.2 var(--font-display); color: var(--navy-900); position: relative; overflow: hidden; transition: transform .35s ease, box-shadow .35s ease, border-color .35s ease, color .35s ease; }
.c-provider::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 4px; background: var(--green); transform: scaleX(0); transform-origin: left; transition: transform .4s ease; }
.c-provider:hover { transform: translateY(-5px); border-color: transparent; box-shadow: 0 24px 46px -26px rgba(18, 26, 74, .4); color: var(--blue); }
.c-provider:hover::after { transform: scaleX(1); }
@media (max-width: 860px) { .l-providers__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }

/* ---------- Layout: cta_band ---------- */
.l-cta-band__inner { display: grid; grid-template-columns: minmax(0, 1.4fr) auto; gap: 24px 48px; align-items: center; padding: clamp(24px, 4vw, 40px); border-radius: 16px; background: var(--tint-100); border-left: 5px solid var(--green); }
.l-cta-band__inner .prose p:last-child { margin-bottom: 0; }
.l-cta-band__inner .c-btn-row { margin-top: 0; }
@media (max-width: 860px) { .l-cta-band__inner { grid-template-columns: 1fr; } }

/* ---------- Layout: testimonials_wall ---------- */
.c-quote--featured { margin-bottom: 24px; padding: clamp(28px, 4vw, 44px); background: var(--navy-900); border: 0; color: #dbe0f3; }
.c-quote--featured .c-quote__text p { color: var(--white); font: 400 var(--step-1)/1.6 var(--font-display); display: block; }
.c-quote--featured figcaption { border-top-color: rgba(255, 255, 255, .18); color: var(--white); }
.c-quote--featured .c-quote__avatar { background: var(--green-cta); }
.c-quote__name { margin: 0; font: 600 1rem/1.3 var(--font-body); color: inherit; }
.l-wall__grid { columns: 2 320px; column-gap: 24px; }
.l-wall__grid .c-quote { break-inside: avoid; margin: 0 0 24px; }
.l-wall__grid .c-quote__text p { display: block; }