/* Our Mortgage Broker — site styles (no framework) */
@font-face{font-family:"Inter";font-style:normal;font-weight:400 700;font-display:swap;src:url(../fonts/Inter.woff2) format("woff2")}
@font-face{font-family:"Playfair";font-style:normal;font-weight:400 900;font-display:swap;src:url(../fonts/Playfair.woff2) format("woff2")}

:root{
  --ink:#1F2A24; --ink-2:#34403A; --muted:#5C665F; --faint:#7D847D;
  --cream:#F7F3EA; --bg:#F7F3EA; --bg-2:#F0EADD; --bg-3:#E8E0CF; --card:#FFFDF8; --line:#E4DCCB; --line-2:#CDBF9F;
  --green:#1F4D3A; --green-2:#173C2D; --green-deep:#1F4D3A; --green-soft:#C9A24B; --green-wash:#E8EDE5;
  --gold:#C9A24B; --gold-2:#C9A24B; --gold-dark:#8A6A1F; --gold-wash:#F3EBD8;
  --night:#1F4D3A; --night-2:#1F4D3A; --night-3:#2C6049; --on-night:#F7F3EA; --on-night-2:#DCE3D8;
  --warn:#8A4A1C; --warn-wash:#F8EADF;
  --r:12px; --r-sm:8px; --r-lg:18px;
  --shadow:0 1px 2px rgba(31,77,58,.06),0 12px 28px -14px rgba(31,77,58,.22);
  --shadow-lg:0 2px 4px rgba(31,77,58,.06),0 30px 60px -24px rgba(31,77,58,.32);
  --wrap:1200px; --gut:clamp(16px,4vw,32px);
  --head:"Playfair","Playfair Display",Georgia,"Times New Roman",serif;
  --ui:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --body:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:96px}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;font-family:var(--body);font-size:17px;line-height:1.65;color:var(--ink-2);background:var(--bg);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img{max-width:100%;height:auto;display:block}
a{color:var(--green-deep);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--green)}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:4px}
h1,h2,h3,h4{font-family:var(--head);color:var(--green);line-height:1.15;letter-spacing:-.01em;margin:0 0 .5em;text-wrap:balance}
h1{font-size:clamp(2.2rem,4.8vw,3.7rem);font-weight:700}
h2{font-size:clamp(1.7rem,3.1vw,2.4rem);font-weight:700}
h3{font-size:1.25rem;font-weight:700;letter-spacing:0}
p{margin:0 0 1em}
ul,ol{padding-left:1.25em;margin:0 0 1.1em}
li{margin:.25em 0}
strong{color:var(--ink);font-weight:600}
table{border-collapse:collapse;width:100%}
.skip{position:absolute;left:-9999px;top:0;background:var(--ink);color:#fff;padding:10px 16px;z-index:999}
.skip:focus{left:12px;top:12px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gut)}
.narrow{max-width:780px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font:700 12.5px/1 var(--ui);letter-spacing:.14em;text-transform:uppercase;color:var(--green-deep);margin:0 0 16px}
.eyebrow::before{content:"";width:18px;height:2px;background:var(--gold);border-radius:2px}
.on-night .eyebrow,.hero .eyebrow{color:var(--green-soft)}
.on-night .eyebrow::before,.hero .eyebrow::before{background:var(--green-soft)}
.lead{font-size:clamp(1.08rem,1.6vw,1.22rem);line-height:1.6;color:var(--ink-2);max-width:68ch}
.muted{color:var(--muted)}
.small{font-size:14px}
.center{text-align:center}
.center .lead{margin-left:auto;margin-right:auto}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font:700 15.5px/1 var(--ui);letter-spacing:-.005em;padding:15px 22px;border-radius:999px;border:2px solid transparent;text-decoration:none;cursor:pointer;transition:transform .15s ease,background .15s,box-shadow .15s,border-color .15s;white-space:nowrap}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--gold);color:#13261D;box-shadow:0 8px 20px -8px rgba(201,162,75,.7)}
.btn-primary:hover{background:var(--gold-2);color:#13261D}
.btn-dark{background:var(--green);color:#fff}
.btn-dark:hover{background:var(--green-2);color:#fff}
.btn-ghost{border-color:var(--line-2);color:var(--ink);background:transparent}
.btn-ghost:hover{border-color:var(--ink);color:var(--ink)}
.on-night .btn-ghost,.hero .btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.35)}
.on-night .btn-ghost:hover,.hero .btn-ghost:hover{border-color:#fff;color:#fff}
.btn-sm{padding:11px 16px;font-size:14px}
.btn svg{width:18px;height:18px;flex:none}
.btns{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.textlink{font:700 15px var(--ui);color:var(--green-deep);text-decoration:none;display:inline-flex;gap:6px;align-items:center}
.textlink::after{content:"→";transition:transform .15s}
.textlink:hover::after{transform:translateX(3px)}

/* Top bar + header */
.topbar{background:var(--night);color:var(--on-night-2);font-size:13.5px}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;align-items:center;min-height:38px}
.topbar a{color:var(--on-night);text-decoration:none}
.topbar a:hover{color:#fff}
.topbar .tb-l{display:flex;gap:18px;align-items:center;flex-wrap:wrap}
.topbar .tb-r{display:flex;gap:16px;align-items:center}
.topbar .dot{width:6px;height:6px;border-radius:50%;background:var(--green-soft);display:inline-block;margin-right:6px}
@media (max-width:860px){.topbar .tb-hide{display:none}}
.site-head{position:sticky;top:0;z-index:50;background:rgba(247,243,234,.94);backdrop-filter:saturate(1.6) blur(12px);-webkit-backdrop-filter:saturate(1.6) blur(12px);border-bottom:1px solid var(--line)}
.site-head .wrap{display:flex;align-items:center;gap:20px;min-height:76px}
.brand{display:flex;align-items:center;flex:none}
.brand img{height:34px;width:auto}
.nav{display:flex;align-items:center;gap:2px;margin-left:auto}
.nav > ul{display:flex;list-style:none;margin:0;padding:0;gap:2px}
.nav > ul > li{position:relative;margin:0}
.nav-top{display:flex;align-items:center;gap:6px;white-space:nowrap;font:600 15px var(--ui);color:var(--ink);padding:10px 12px;border-radius:10px;text-decoration:none;background:none;border:0;cursor:pointer}
.nav-top:hover,.nav li:focus-within > .nav-top{background:var(--bg-2);color:var(--ink)}
.nav-top .chev{width:10px;height:10px;transition:transform .15s}
.mega{position:absolute;top:calc(100% + 10px);left:50%;transform:translate(-50%,6px);background:var(--card);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow-lg);padding:22px;display:grid;gap:4px 28px;opacity:0;visibility:hidden;transition:opacity .15s,transform .15s,visibility .15s;min-width:280px}
.mega.cols-2{grid-template-columns:repeat(2,minmax(220px,1fr));min-width:560px}
.mega.cols-3{grid-template-columns:repeat(3,minmax(200px,1fr));min-width:760px}
.mega::before{content:"";position:absolute;top:-12px;left:0;right:0;height:12px}
.nav li:hover > .mega,.nav li:focus-within > .mega{opacity:1;visibility:visible;transform:translate(-50%,0)}
.mega h4{font:700 11.5px var(--ui);letter-spacing:.13em;text-transform:uppercase;color:var(--faint);margin:6px 0 8px}
.mega ul{list-style:none;margin:0 0 10px;padding:0}
.mega li{margin:0}
.mega a{display:block;padding:7px 10px;margin:0 -10px;border-radius:8px;color:var(--ink);text-decoration:none;font-size:14.5px;font-weight:500}
.mega a:hover{background:var(--green-wash);color:var(--green-deep)}
.head-cta{display:flex;align-items:center;gap:10px;margin-left:10px}
.head-phone{white-space:nowrap;font:700 15px var(--ui);color:var(--ink);text-decoration:none;display:flex;align-items:center;gap:8px;padding:8px 10px;border-radius:10px}
.head-phone:hover{background:var(--bg-2);color:var(--ink)}
.head-phone svg{width:18px;height:18px;color:var(--green)}
.menu-btn{display:none;margin-left:auto;background:none;border:1px solid var(--line-2);border-radius:10px;width:46px;height:46px;align-items:center;justify-content:center;cursor:pointer;color:var(--ink)}
.menu-btn svg{width:22px;height:22px}
@media (max-width:1180px){.head-phone span{display:none}}
@media (max-width:1060px){
  .nav,.head-cta .btn{display:none}
  .menu-btn{display:inline-flex}
  .head-cta{margin-left:0}
  .head-phone span{display:inline}
}
@media (max-width:520px){.head-phone span{display:none}.brand img{height:28px}}
/* Mobile drawer */
.drawer{position:fixed;inset:0;z-index:80;display:none}
.drawer.open{display:block}
.drawer-bg{position:absolute;inset:0;background:rgba(8,20,15,.55)}
.drawer-panel{position:absolute;top:0;right:0;bottom:0;width:min(420px,100%);background:var(--card);overflow-y:auto;padding:18px var(--gut) 120px;box-shadow:var(--shadow-lg)}
.drawer-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px}
.drawer details{border-bottom:1px solid var(--line)}
.drawer summary{list-style:none;cursor:pointer;font:700 17px var(--ui);color:var(--ink);padding:16px 0;display:flex;justify-content:space-between}
.drawer summary::-webkit-details-marker{display:none}
.drawer summary::after{content:"+";color:var(--green);font-size:22px;line-height:1}
.drawer details[open] summary::after{content:"–"}
.drawer ul{list-style:none;padding:0 0 12px;margin:0}
.drawer li a{display:block;padding:9px 0;color:var(--ink-2);text-decoration:none}
.drawer .d-link{display:block;font:700 17px var(--ui);color:var(--ink);padding:16px 0;border-bottom:1px solid var(--line);text-decoration:none}
.drawer .btns{margin-top:22px}
.drawer .btns .btn{flex:1}

/* Mobile action bar */
.actionbar{display:none}
@media (max-width:860px){
  .actionbar{display:grid;grid-template-columns:repeat(3,1fr);position:fixed;left:0;right:0;bottom:0;z-index:60;background:var(--card);border-top:1px solid var(--line);box-shadow:0 -6px 20px -10px rgba(15,31,25,.25);padding:8px 10px calc(8px + env(safe-area-inset-bottom));gap:8px}
  .actionbar a{display:flex;flex-direction:column;align-items:center;gap:3px;font:700 12.5px var(--ui);color:var(--ink);text-decoration:none;padding:6px 4px;border-radius:10px}
  .actionbar a.primary{background:var(--gold);color:#13261D}
  .actionbar svg{width:20px;height:20px}
  body{padding-bottom:74px}
}

/* Sections */
.section{padding:clamp(56px,8vw,104px) 0}
.section.tight{padding:clamp(40px,5vw,64px) 0}
.section.alt{background:var(--bg-2)}
.on-night{background:radial-gradient(1200px 500px at 85% -10%,rgba(201,162,75,.28),transparent 60%),radial-gradient(800px 400px at -10% 110%,rgba(201,162,75,.18),transparent 60%),var(--night);color:var(--on-night-2)}
.on-night h1,.on-night h2,.on-night h3,.on-night strong{color:#fff}
.on-night a{color:var(--green-soft)}
.on-night .lead{color:var(--on-night-2)}
.sec-head{max-width:760px;margin-bottom:clamp(28px,4vw,48px)}
.sec-head.center{margin-left:auto;margin-right:auto}
.sec-head p{color:var(--muted);font-size:1.08rem}
.on-night .sec-head p{color:var(--on-night-2)}
.sec-head-row{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;flex-wrap:wrap;margin-bottom:clamp(28px,4vw,44px)}
.sec-head-row .sec-head{margin-bottom:0}

/* Hero */
.hero{position:relative;overflow:hidden;background:radial-gradient(900px 600px at 88% 0%,rgba(201,162,75,.35),transparent 60%),radial-gradient(700px 500px at 0% 100%,rgba(201,162,75,.16),transparent 60%),linear-gradient(180deg,var(--night),var(--night-2));color:var(--on-night-2);padding:clamp(56px,8vw,110px) 0 clamp(48px,6vw,84px)}
.hero h1{color:#fff;max-width:17ch}
.hero h1 em{font-style:normal;color:var(--green-soft)}
.hero .lead{color:var(--on-night-2);max-width:60ch;margin-bottom:28px}
.hero-grid{display:grid;grid-template-columns:1.25fr .9fr;gap:clamp(28px,5vw,64px);align-items:center}
@media (max-width:980px){.hero-grid{grid-template-columns:1fr}}
.trust-row{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:30px;font-size:14px;color:var(--on-night-2)}
.trust-row span{display:flex;align-items:center;gap:8px}
.trust-row svg{width:18px;height:18px;color:var(--green-soft);flex:none}
.intent{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:var(--r-lg);padding:22px;backdrop-filter:blur(6px)}
.intent h2{font-size:1.05rem;color:#fff;margin:0 0 14px;letter-spacing:0;font-weight:700}
.intent-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.intent a{display:flex;flex-direction:column;gap:4px;padding:14px 14px;border-radius:12px;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);color:#fff;text-decoration:none;transition:background .15s,border-color .15s,transform .15s}
.intent a:hover{background:rgba(201,162,75,.18);border-color:rgba(201,162,75,.7);transform:translateY(-1px);color:#fff}
.intent a b{font:700 15px var(--ui)}
.intent a small{color:var(--on-night-2);font-size:12.5px;line-height:1.35}
.intent .intent-foot{display:flex;justify-content:space-between;align-items:center;margin-top:14px;font-size:13.5px;gap:10px;flex-wrap:wrap}
@media (max-width:420px){.intent-grid{grid-template-columns:1fr}}

/* Page hero (inner) */
.page-hero{background:radial-gradient(900px 420px at 92% -20%,rgba(201,162,75,.32),transparent 60%),linear-gradient(180deg,var(--night),var(--night-2));color:var(--on-night-2);padding:clamp(36px,5vw,64px) 0 clamp(40px,5vw,64px)}
.page-hero h1{color:#fff;font-size:clamp(2rem,4.2vw,3.1rem);max-width:22ch}
.page-hero .lead{color:var(--on-night-2);margin-bottom:24px}
.page-hero .meta{display:flex;flex-wrap:wrap;gap:8px 18px;font-size:14px;color:var(--on-night-2);margin-top:18px}
.crumbs{font-size:13.5px;margin:0 0 22px;color:var(--on-night-2)}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0;margin:0}
.crumbs li{margin:0;display:flex;gap:6px;align-items:center}
.crumbs li+li::before{content:"/";opacity:.5}
.crumbs a{color:var(--on-night-2);text-decoration:none}
.crumbs a:hover{color:#fff}
.page-hero-grid{display:grid;grid-template-columns:1.4fr .8fr;gap:40px;align-items:end}
@media (max-width:980px){.page-hero-grid{grid-template-columns:1fr}}
.answer-box{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:var(--r);padding:20px 22px}
.answer-box h2{color:#fff;font-size:1rem;margin:0 0 10px;letter-spacing:0}
.answer-box ul{list-style:none;padding:0;margin:0}
.answer-box li{display:flex;gap:10px;font-size:15px;color:var(--on-night);margin:8px 0}
.answer-box li::before{content:"";flex:none;width:18px;height:18px;margin-top:3px;border-radius:50%;background:var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2313261D' stroke-width='3.2'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center/12px no-repeat}

/* Strips */
.strip{background:var(--card);border-bottom:1px solid var(--line)}
.strip .wrap{display:flex;align-items:center;gap:clamp(18px,4vw,48px);padding-top:22px;padding-bottom:22px;flex-wrap:wrap;justify-content:space-between}
.strip-label{font:700 12px var(--ui);letter-spacing:.13em;text-transform:uppercase;color:var(--faint)}
.awards{display:flex;gap:clamp(16px,3vw,36px);align-items:center;flex-wrap:wrap}
.awards img{height:58px;width:auto;filter:grayscale(1);opacity:.85;transition:filter .2s,opacity .2s}
.awards img:hover{filter:none;opacity:1}
.logo-row{display:flex;flex-wrap:wrap;gap:clamp(22px,4vw,52px);align-items:center;justify-content:center}
.logo-row img{height:34px;width:auto;opacity:.78}
.logo-row.lenders img{height:40px}
.on-night .logo-row img{opacity:.7}

/* Cards / grids */
.grid{display:grid;gap:18px}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}
.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
@media (max-width:980px){.g3,.g4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.g2,.g3,.g4{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:24px;transition:box-shadow .2s,transform .2s,border-color .2s;position:relative;display:flex;flex-direction:column}
.card:hover{box-shadow:var(--shadow);border-color:var(--line-2)}
a.card{text-decoration:none;color:inherit}
a.card:hover{transform:translateY(-2px)}
.card h3{margin-bottom:8px}
.card p{color:var(--muted);font-size:15.5px;margin-bottom:14px}
.card .textlink{margin-top:auto}
.card .ico{width:46px;height:46px;border-radius:12px;background:var(--gold-wash);color:var(--green);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.card .ico svg{width:24px;height:24px}
.card-list{list-style:none;padding:0;margin:0 0 16px}
.card-list li{margin:0}
.card-list a{display:flex;justify-content:space-between;gap:10px;padding:9px 0;border-top:1px solid var(--line);color:var(--ink);text-decoration:none;font-size:15px;font-weight:500}
.card-list a::after{content:"→";color:var(--green)}
.card-list a:hover{color:var(--green-deep)}
.svc-card{padding:28px}
.svc-card h3{font-size:1.35rem}
.chip{display:inline-flex;align-items:center;gap:6px;font:700 12px var(--ui);letter-spacing:.04em;padding:6px 10px;border-radius:999px;background:var(--green-wash);color:var(--green-deep)}
.chip.grey{background:var(--bg-3);color:var(--ink-2)}
.chip.warn{background:var(--warn-wash);color:var(--warn)}

/* Steps */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px;list-style:none;padding:0;margin:0}
.steps.s3{grid-template-columns:repeat(3,minmax(0,1fr))}
.steps.s5{grid-template-columns:repeat(5,minmax(0,1fr))}
@media (max-width:980px){.steps,.steps.s5{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:600px){.steps,.steps.s3,.steps.s5{grid-template-columns:1fr}}
.steps li{counter-increment:s;margin:0;padding:22px;border-radius:var(--r);background:var(--card);border:1px solid var(--line);position:relative}
.steps li::before{content:counter(s,decimal-leading-zero);font:800 14px var(--ui);color:var(--gold-2);display:block;margin-bottom:10px;letter-spacing:.05em}
.steps li b{display:block;font:700 17px var(--ui);color:var(--ink);margin-bottom:6px}
.steps li span{color:var(--muted);font-size:15px}
.on-night .steps li{background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.12)}
.on-night .steps li b{color:#fff}
.on-night .steps li span{color:var(--on-night-2)}

/* Stats */
.stats{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.stats div{background:var(--card);padding:24px}
.stats b{display:block;font:800 clamp(1.5rem,3vw,2.1rem)/1.1 var(--ui);color:var(--ink);letter-spacing:-.02em}
.stats span{color:var(--muted);font-size:14.5px}
@media (max-width:780px){.stats{grid-template-columns:repeat(2,minmax(0,1fr))}}

/* Article layout */
.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:clamp(28px,5vw,64px);align-items:start}
@media (max-width:1020px){.article-grid{grid-template-columns:1fr}}
.prose{font-size:17.5px;max-width:72ch}
.prose h2{font-size:clamp(1.4rem,2.4vw,1.75rem);margin-top:1.9em;scroll-margin-top:110px}
.prose h2:first-child{margin-top:0}
.prose h3{margin-top:1.5em}
.prose ul li::marker,.prose ol li::marker{color:var(--gold-2)}
.prose table{margin:1.2em 0 1.6em;font-size:15.5px;border:1px solid var(--line);border-radius:var(--r-sm);overflow:hidden;display:block;overflow-x:auto}
.prose th,.prose td{text-align:left;padding:11px 14px;border-bottom:1px solid var(--line);vertical-align:top}
.prose th{background:var(--bg-2);font:700 13.5px var(--ui);color:var(--ink)}
.prose tr:last-child td{border-bottom:0}
.prose a{font-weight:500}
.side{position:sticky;top:100px;display:flex;flex-direction:column;gap:16px}
@media (max-width:1020px){.side{position:static}}
.side-card{border:1px solid var(--line);border-radius:var(--r);padding:22px;background:var(--card)}
.side-card.dark{background:var(--night-2);border-color:var(--night-3);color:var(--on-night-2)}
.side-card.dark h3{color:#fff}
.side-card h3{font-size:1.1rem}
.side-card p{font-size:15px}
.side-card .btn{width:100%;margin-top:8px}
.toc ol{list-style:none;padding:0;margin:0;counter-reset:t}
.toc li{margin:0}
.toc a{display:block;padding:7px 0 7px 14px;border-left:2px solid var(--line);color:var(--muted);text-decoration:none;font-size:14.5px;line-height:1.4}
.toc a:hover{color:var(--green-deep);border-color:var(--green)}

/* Facts table */
.facts{border:1px solid var(--line);border-radius:var(--r);overflow:hidden;background:var(--card);margin:0 0 32px}
.facts caption{text-align:left;font:700 13px var(--ui);letter-spacing:.12em;text-transform:uppercase;color:var(--faint);padding:0 0 10px}
.facts table{font-size:15.5px}
.facts th,.facts td{padding:13px 18px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.facts tr:last-child th,.facts tr:last-child td{border-bottom:0}
.facts th{width:42%;font-weight:600;color:var(--ink);background:var(--bg-2)}
.facts-wrap{margin-bottom:36px}
.who-list{list-style:none;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:0 0 8px}
@media (max-width:640px){.who-list{grid-template-columns:1fr}}
.who-list li{margin:0;display:flex;gap:10px;padding:14px 16px;border-radius:12px;background:var(--bg-2);font-size:15.5px;color:var(--ink-2)}
.who-list li::before{content:"";flex:none;width:20px;height:20px;margin-top:2px;border-radius:50%;background:var(--green) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.2'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center/12px no-repeat}

/* FAQ */
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:20px 44px 20px 0;position:relative;font:700 17.5px/1.4 var(--ui);color:var(--ink)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:4px;top:22px;width:22px;height:22px;border-radius:50%;background:var(--green-wash) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231F4D3A' stroke-width='2.6'%3E%3Cpath d='M12 6v12M6 12h12'/%3E%3C/svg%3E") center/14px no-repeat;transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .a{padding:0 0 20px;color:var(--ink-2);max-width:72ch}
.on-night .faq,.on-night .faq details{border-color:rgba(255,255,255,.14)}
.on-night .faq summary{color:#fff}
.on-night .faq .a{color:var(--on-night-2)}

/* CTA band */
.cta-band{border-radius:var(--r-lg);padding:clamp(28px,5vw,56px);display:grid;grid-template-columns:1.3fr 1fr;gap:28px;align-items:center;background:radial-gradient(600px 300px at 100% 0%,rgba(201,162,75,.45),transparent 65%),var(--night-2);color:var(--on-night-2)}
.cta-band h2{color:#fff;margin-bottom:10px}
.cta-band p{margin:0}
.cta-band .btns{justify-content:flex-end}
.cta-band .btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.35)}
@media (max-width:860px){.cta-band{grid-template-columns:1fr}.cta-band .btns{justify-content:flex-start}}
.cta-inline{display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap;padding:22px 24px;border-radius:var(--r);background:var(--gold-wash);border:1px solid #E6D3A6;margin:32px 0}
.cta-inline p{margin:0;font:700 17px var(--ui);color:var(--ink)}
.cta-inline span{display:block;font:400 15px var(--body);color:var(--muted)}

/* Case studies */
.case{background:var(--card);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column;transition:box-shadow .2s,transform .2s;text-decoration:none;color:inherit}
.case:hover{box-shadow:var(--shadow);transform:translateY(-2px);color:inherit}
.case-top{padding:20px 22px 0}
.case-top .chip{margin-bottom:12px}
.case h3{font-size:1.08rem;line-height:1.35;margin-bottom:14px}
.case-figs{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line);margin-top:auto}
.case-figs div{padding:12px 14px;border-right:1px solid var(--line)}
.case-figs div:last-child{border-right:0}
.case-figs b{display:block;font:800 16px var(--ui);color:var(--ink)}
.case-figs span{font-size:12px;color:var(--faint);text-transform:uppercase;letter-spacing:.08em;font-weight:600}
.case-meta{padding:0 22px 16px;font-size:14px;color:var(--muted)}
.illus{font-size:12.5px;color:var(--faint);font-style:italic}
.case-detail{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;margin:0 0 32px}
.case-detail div{background:var(--card);padding:16px 18px}
.case-detail b{display:block;font:800 1.15rem var(--ui);color:var(--ink)}
.case-detail span{font-size:12.5px;color:var(--faint);text-transform:uppercase;letter-spacing:.08em;font-weight:600}
@media (max-width:760px){.case-detail{grid-template-columns:repeat(2,minmax(0,1fr))}}
.filters{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:24px}
.filters button{font:600 14px var(--ui);padding:9px 14px;border-radius:999px;border:1px solid var(--line-2);background:var(--card);color:var(--ink-2);cursor:pointer}
.filters button[aria-pressed="true"]{background:var(--ink);border-color:var(--ink);color:#fff}

/* Guides library */
.guide-card{display:flex;flex-direction:column;background:var(--card);border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.guide-card img{aspect-ratio:332/469;object-fit:cover;width:100%;background:var(--night)}
.guide-card div{padding:16px 18px 20px}
.guide-card h3{font-size:1rem;margin:0 0 6px}
.guide-card p{font-size:14px;color:var(--muted);margin:0}
.guide-card .num{font:700 12px var(--ui);color:var(--green-deep);letter-spacing:.1em}
.covers{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.covers img{border-radius:8px;box-shadow:var(--shadow);aspect-ratio:332/469;object-fit:cover}
.covers img:nth-child(even){transform:translateY(18px)}

/* Forms */
.form{display:grid;gap:16px}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media (max-width:600px){.form .row{grid-template-columns:1fr}}
.field label{display:block;font:600 14.5px var(--ui);color:var(--ink);margin-bottom:6px}
.field input,.field select,.field textarea{width:100%;font:16px var(--body);color:var(--ink);background:var(--card);border:1.5px solid var(--line-2);border-radius:12px;padding:13px 14px;transition:border-color .15s,box-shadow .15s}
.field textarea{min-height:120px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:0;border-color:var(--green);box-shadow:0 0 0 4px rgba(201,162,75,.15)}
.check{display:flex;gap:10px;align-items:flex-start;font-size:14.5px;color:var(--ink-2)}
.check input{width:20px;height:20px;margin-top:2px;accent-color:var(--green);flex:none}
.hp{position:absolute!important;left:-5000px!important;width:1px;height:1px;overflow:hidden}
.form-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(22px,4vw,36px);box-shadow:var(--shadow)}
.form-note{font-size:13px;color:var(--muted)}
.form-msg{padding:14px 16px;border-radius:12px;font-size:15px}
.form-msg.ok{background:var(--green-wash);color:var(--green-deep)}
.form-msg.err{background:var(--warn-wash);color:var(--warn)}

/* Team */
.team-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:24px;display:flex;flex-direction:column;gap:12px}
.team-head{display:flex;gap:14px;align-items:center}
.mono{width:56px;height:56px;border-radius:50%;background:linear-gradient(135deg,var(--night-3),var(--green-2));color:var(--gold);font:800 19px var(--ui);display:flex;align-items:center;justify-content:center;flex:none;letter-spacing:.02em}
.team-card h3{margin:0;font-size:1.15rem}
.team-card .role{font-size:14px;color:var(--muted)}
.team-contact{list-style:none;padding:0;margin:0;font-size:14.5px}
.team-contact li{display:flex;gap:10px;align-items:center;margin:6px 0}
.team-contact svg{width:16px;height:16px;color:var(--green);flex:none}
.team-contact a{color:var(--ink-2);text-decoration:none}
.team-contact a:hover{color:var(--green-deep)}
.socials{display:flex;gap:8px;flex-wrap:wrap}
.socials a{width:36px;height:36px;border-radius:10px;border:1px solid var(--line);display:flex;align-items:center;justify-content:center;color:var(--ink-2)}
.socials a:hover{border-color:var(--green);color:var(--green-deep);background:var(--green-wash)}
.socials svg{width:17px;height:17px}
.fca-id{font-size:12.5px;color:var(--faint)}

/* Calculators */
.calc-shell{background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(20px,3.5vw,34px);box-shadow:var(--shadow)}
.calc{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(20px,3vw,36px)}
@media (max-width:860px){.calc{grid-template-columns:1fr}}
.calc fieldset{border:0;padding:0;margin:0;min-width:0}
.calc legend{font:700 13px var(--ui);letter-spacing:.12em;text-transform:uppercase;color:var(--faint);margin-bottom:10px;padding:0}
.calc-form{display:grid;gap:14px;align-content:start}
.calc-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:520px){.calc-row{grid-template-columns:1fr}}
.calc-field label{display:block;font:600 14px var(--ui);color:var(--ink);margin-bottom:6px}
.calc-field input,.calc-field select{width:100%;font:16px var(--body);color:var(--ink);background:var(--card);border:1.5px solid var(--line-2);border-radius:12px;padding:12px 13px}
.calc-field input:focus,.calc-field select:focus{outline:0;border-color:var(--green);box-shadow:0 0 0 4px rgba(201,162,75,.15)}
.calc-check{display:flex;gap:10px;align-items:center;font-size:14.5px;color:var(--ink-2)}
.calc-check input{width:19px;height:19px;accent-color:var(--green)}
.calc-results{background:var(--bg-2);border-radius:var(--r);padding:clamp(18px,3vw,26px);display:flex;flex-direction:column;gap:2px;align-self:start}
.calc-result{display:flex;justify-content:space-between;gap:14px;padding:9px 0;border-bottom:1px solid var(--line);font-size:15px}
.calc-result .k{color:var(--muted)}
.calc-result .v{font:700 15.5px var(--ui);color:var(--ink);text-align:right;font-variant-numeric:tabular-nums}
.calc-result.big{flex-direction:column;gap:4px;padding:6px 0 16px;border-bottom:1px solid var(--line-2)}
.calc-result.big .k{font:700 12.5px var(--ui);letter-spacing:.12em;text-transform:uppercase;color:var(--gold-2)}
.calc-result.big .v{font:800 clamp(1.9rem,4vw,2.5rem)/1.1 var(--ui);text-align:left;letter-spacing:-.02em}
.calc-table{font-size:14px;margin:10px 0;background:var(--card);border-radius:10px;overflow:hidden}
.calc-table th,.calc-table td{padding:8px 10px;border-bottom:1px solid var(--line);text-align:right;font-variant-numeric:tabular-nums}
.calc-table th:first-child,.calc-table td:first-child{text-align:left}
.calc-table th{font:700 12.5px var(--ui);color:var(--ink);background:var(--bg-3)}
.calc details summary{cursor:pointer;font:600 14px var(--ui);color:var(--green-deep);padding:10px 0}
.calc-note{font-size:12.5px;color:var(--muted);margin-top:10px;line-height:1.5}
.calc-warning{background:var(--warn-wash);color:var(--warn);padding:10px 12px;border-radius:10px;font-size:13.5px;margin-top:8px}
.calc-cta{margin-top:14px}
.calc-cta .btn{width:100%}
.tool-tabs{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:22px}
.tool-tabs a{font:600 14px var(--ui);padding:10px 14px;border-radius:999px;border:1px solid var(--line-2);color:var(--ink-2);text-decoration:none;background:var(--card)}
.tool-tabs a[aria-current="page"]{background:var(--ink);border-color:var(--ink);color:#fff}

/* Glossary */
.az{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:28px}
.az a{width:38px;height:38px;display:flex;align-items:center;justify-content:center;border-radius:10px;border:1px solid var(--line);font:700 15px var(--ui);text-decoration:none;color:var(--ink)}
.az a:hover{background:var(--green-wash);border-color:var(--green)}
.gloss dt{font:700 1.08rem var(--ui);color:var(--ink);margin-top:22px;scroll-margin-top:110px}
.gloss dd{margin:6px 0 0;max-width:72ch;color:var(--ink-2)}
.gloss h2{margin-top:36px;padding-bottom:8px;border-bottom:2px solid var(--gold);display:inline-block}

/* Map */
.map{border-radius:var(--r);overflow:hidden;border:1px solid var(--line);aspect-ratio:16/10;background:var(--bg-3)}
.map iframe{width:100%;height:100%;border:0}

/* Notices */
.risk{font-size:14px;line-height:1.55;color:var(--ink-2);background:var(--bg-2);border-left:3px solid var(--gold);border-radius:0 var(--r-sm) var(--r-sm) 0;padding:14px 16px;margin:28px 0}
.risk strong{text-transform:uppercase;letter-spacing:.04em;font-size:13px}
.notice{background:var(--warn-wash);border:1px solid #F0D7C6;color:var(--warn);border-radius:var(--r-sm);padding:12px 14px;font-size:14px}

/* Footer */
.site-foot{background:var(--night);color:var(--on-night-2);font-size:15px;padding:clamp(48px,7vw,80px) 0 28px}
.site-foot a{color:var(--on-night);text-decoration:none}
.site-foot a:hover{color:#fff;text-decoration:underline}
.foot-grid{display:grid;grid-template-columns:1.4fr repeat(4,1fr);gap:32px}
@media (max-width:980px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.foot-grid{grid-template-columns:1fr}}
.site-foot h4{color:#fff;font-size:13px;letter-spacing:.12em;text-transform:uppercase;margin:0 0 14px}
.site-foot ul{list-style:none;padding:0;margin:0}
.site-foot li{margin:0 0 9px}
.site-foot .brand img{height:32px;margin-bottom:16px}
.foot-social{display:flex;gap:8px;margin-top:16px}
.foot-social a{width:38px;height:38px;border-radius:10px;border:1px solid rgba(255,255,255,.18);display:flex;align-items:center;justify-content:center}
.foot-social a:hover{background:rgba(255,255,255,.08);text-decoration:none}
.foot-social svg{width:17px;height:17px}
.legal{border-top:1px solid rgba(255,255,255,.14);margin-top:40px;padding-top:26px;font-size:13px;line-height:1.6;color:#AFC0B5}
.legal p{margin:0 0 10px;max-width:none}
.legal strong{color:#DCE8E2}
.foot-bottom{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;margin-top:18px;font-size:13px;color:#A3B5AA}

/* Cookie banner */
.cookie{position:fixed;left:16px;right:16px;bottom:16px;z-index:90;max-width:560px;background:var(--card);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow-lg);padding:18px 20px;font-size:14.5px;display:none}
.cookie.show{display:block}
.cookie p{margin:0 0 12px}
@media (max-width:860px){.cookie{bottom:90px}}

/* Misc */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,5vw,64px);align-items:center}
@media (max-width:900px){.two-col{grid-template-columns:1fr}}
.pill-links{display:flex;flex-wrap:wrap;gap:8px}
.pill-links a{font:600 14px var(--ui);padding:9px 14px;border-radius:999px;background:var(--card);border:1px solid var(--line);color:var(--ink);text-decoration:none}
.pill-links a:hover{border-color:var(--green);color:var(--green-deep)}
.updated{font-size:13.5px;color:var(--on-night-2)}
.quote{font:600 clamp(1.2rem,2.2vw,1.5rem)/1.45 var(--ui);color:var(--ink);letter-spacing:-.01em;max-width:40ch}
.badge-row{display:flex;flex-wrap:wrap;gap:10px}
hr.rule{border:0;border-top:1px solid var(--line);margin:40px 0}
.kpi-note{font-size:12.5px;color:var(--faint);margin-top:8px}
.blog-card .date{font-size:13px;color:var(--faint);margin-bottom:6px}
.hide-sm{display:initial}
@media (max-width:640px){.hide-sm{display:none}}
@media print{.site-head,.topbar,.actionbar,.site-foot .foot-grid,.cookie,.side{display:none!important}.page-hero{background:none;color:#000}.page-hero h1{color:#000}}

/* ===== Palette & layout system: cream base, deep green structure, gold accents ===== */
body{background:var(--cream);color:var(--ink)}
.quote,.stats b,.case-detail b,.case-figs b,.calc-result.big .v{font-family:var(--head);font-weight:700;color:var(--green)}
h4{font-family:var(--ui)}
.eyebrow{color:var(--gold-dark)}
.eyebrow::before{background:var(--gold)}
.divider{display:block;width:60px;border-top:2px solid var(--gold);margin:0 0 18px}
.center .divider{margin-left:auto;margin-right:auto}

/* Buttons */
.btn{border-radius:10px;font-weight:600;padding:15px 22px}
.btn-primary,.btn-dark{background:var(--green);color:var(--cream);box-shadow:none;border-color:var(--green)}
.btn-primary:hover,.btn-dark:hover{background:var(--gold);border-color:var(--gold);color:var(--green)}
.btn-ghost{background:transparent;border:1px solid var(--green);color:var(--green)}
.btn-ghost:hover{background:var(--green);color:var(--cream);border-color:var(--green)}
.on-night .btn-primary{background:var(--cream);color:var(--green);border-color:var(--cream)}
.on-night .btn-primary:hover{background:var(--gold);border-color:var(--gold);color:var(--green)}
.on-night .btn-ghost{background:transparent;color:var(--cream);border:1px solid rgba(247,243,234,.6)}
.on-night .btn-ghost:hover{background:var(--cream);color:var(--green);border-color:var(--cream)}
.textlink{color:var(--green)}
.textlink::after{color:var(--gold-dark)}

/* Header: deep green bar */
.topbar{background:#173C2D;color:var(--on-night-2)}
.topbar a{color:var(--cream)}
.topbar .dot{background:var(--gold)}
.site-head{background:var(--green);border-bottom:1px solid rgba(201,162,75,.35);backdrop-filter:none;-webkit-backdrop-filter:none}
.nav-top{color:var(--cream);font-weight:500;border-radius:6px;position:relative}
.nav-top:hover,.nav li:focus-within > .nav-top{background:rgba(247,243,234,.08);color:var(--cream)}
.nav-top[aria-current="page"]::after,.nav-top.active::after{content:"";position:absolute;left:12px;right:12px;bottom:3px;height:2px;background:var(--gold);border-radius:2px}
.head-phone{color:var(--cream)}
.head-phone:hover{background:rgba(247,243,234,.08);color:var(--cream)}
.head-phone svg{color:var(--gold)}
.head-cta .btn-primary{background:var(--cream);color:var(--green);border-color:var(--cream)}
.head-cta .btn-primary:hover{background:var(--gold);border-color:var(--gold);color:var(--green)}
.menu-btn{color:var(--cream);border-color:rgba(247,243,234,.35)}
.mega{background:var(--card);border-top:2px solid var(--gold)}
.mega a{color:var(--ink)}
.mega a:hover{background:var(--bg-2);color:var(--green)}
.mega h4{color:var(--gold-dark)}

/* Hero: cream with green headline */
.hero,.page-hero{background:var(--cream);color:var(--ink-2);border-bottom:1px solid var(--line)}
.hero{background:linear-gradient(180deg,var(--cream) 0%,#F3EDE0 100%)}
.hero h1,.page-hero h1{color:var(--green)}
.hero h1 em{font-style:italic;color:var(--green)}
.hero .lead,.page-hero .lead{color:var(--ink-2)}
.hero .eyebrow,.page-hero .eyebrow{color:var(--gold-dark)}
.hero .eyebrow::before,.page-hero .eyebrow::before{background:var(--gold)}
.hero .btn-ghost{background:transparent;color:var(--green);border:1px solid var(--green)}
.hero .btn-ghost:hover{background:var(--green);color:var(--cream)}
.trust-row{color:var(--ink-2)}
.trust-row svg{color:var(--gold)}
.crumbs,.crumbs a{color:var(--muted)}
.crumbs a:hover{color:var(--green)}
.page-hero .meta,.updated{color:var(--muted)}
.intent{background:var(--green);border:0;box-shadow:var(--shadow-lg);backdrop-filter:none}
.intent h2{color:var(--cream);font-family:var(--head);font-size:1.3rem}
.intent a{background:rgba(247,243,234,.06);border:1px solid rgba(247,243,234,.16);color:var(--cream)}
.intent a:hover{background:rgba(201,162,75,.16);border-color:var(--gold);color:var(--cream)}
.intent a small{color:var(--on-night-2)}
.intent .intent-foot{color:var(--on-night-2)}
.intent .intent-foot a{background:none;border:0;padding:0;color:var(--cream);display:inline}
.answer-box{background:var(--card);border:1px solid var(--line);border-top:3px solid var(--gold)}
.answer-box h2{color:var(--green);font-family:var(--ui);font-size:.95rem;letter-spacing:.02em}
.answer-box li{color:var(--ink-2)}
.answer-box li::before{background-color:var(--green);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23F7F3EA' stroke-width='3.2'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E")}
.who-list li::before{background-color:var(--green);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23F7F3EA' stroke-width='3.2'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E")}

/* Green bands */
.on-night{background:var(--green);color:var(--on-night-2)}
.on-night h1,.on-night h2,.on-night h3,.on-night strong{color:var(--cream)}
.on-night h2 em{color:var(--gold);font-style:italic}
.on-night a:not(.btn){color:var(--cream)}
.on-night .eyebrow{color:var(--gold)}
.on-night .eyebrow::before{background:var(--gold)}
.on-night .lead,.on-night .sec-head p{color:var(--on-night-2)}
.section.alt{background:var(--bg-2)}

/* Cards with gold top border */
.card,.case,.guide-card,.team-card,.side-card,.facts,.steps li{background:var(--card);border:1px solid var(--line)}
.card,.svc-card,.case,.team-card{border-top:2px solid var(--gold)}
.card h3,.case h3,.team-card h3{color:var(--green)}
.card .ico{background:transparent;border:1px solid var(--line-2);color:var(--green)}
.chip{background:var(--green-wash);color:var(--green)}
.chip.gold{background:transparent;border:1px solid var(--gold);color:var(--gold-dark)}
.card-list a::after{color:var(--gold-dark)}
.steps li::before{color:var(--gold-dark)}
.on-night .steps li{background:rgba(247,243,234,.05);border-color:rgba(247,243,234,.16)}
.on-night .steps li::before{color:var(--gold)}
.on-night .steps li b{color:var(--cream)}
.facts th{background:var(--bg-2);color:var(--green)}
.who-list li{background:var(--card);border:1px solid var(--line)}
.stats{background:var(--line);border-color:var(--line)}
.stats div{background:var(--card)}
.side-card.dark{background:var(--green);border-color:var(--green);color:var(--on-night-2)}
.side-card.dark h3{color:var(--cream)}
.side-card.dark .btn-primary{background:var(--cream);color:var(--green);border-color:var(--cream)}
.side-card.dark .btn-primary:hover{background:var(--gold);border-color:var(--gold)}
.side-card.dark .btn-ghost{color:var(--cream);border-color:rgba(247,243,234,.6)}
.toc a:hover{color:var(--green);border-color:var(--gold)}
.faq summary{font-family:var(--ui);font-weight:600;color:var(--green)}
.faq summary::after{background-color:transparent;border:1px solid var(--gold)}
.on-night .faq summary{color:var(--cream)}
.cta-band{background:var(--green);color:var(--on-night-2);border-top:3px solid var(--gold)}
.cta-band h2{color:var(--cream)}
.cta-band .btn-primary{background:var(--cream);color:var(--green);border-color:var(--cream)}
.cta-band .btn-primary:hover{background:var(--gold);border-color:var(--gold);color:var(--green)}
.cta-band .btn-ghost{color:var(--cream);border:1px solid rgba(247,243,234,.6)}
.cta-band .btn-ghost:hover{background:var(--cream);color:var(--green)}
.cta-inline{background:var(--card);border:1px solid var(--line);border-left:3px solid var(--gold)}
.cta-inline p{color:var(--green)}
.prose a{color:var(--green);text-decoration-color:var(--gold)}
.prose ul li::marker,.prose ol li::marker{color:var(--gold)}
.prose th{color:var(--green)}
.risk{background:var(--card);border-left:3px solid var(--gold)}
.mono{background:var(--green);color:var(--cream);font-family:var(--head)}
.team-contact svg{color:var(--gold-dark)}
.socials a{border-color:var(--line);color:var(--green)}
.socials a:hover{border-color:var(--gold);background:var(--bg-2);color:var(--green)}
.calc-results{background:var(--bg-2);border-top:2px solid var(--gold)}
.calc-result.big .k{color:var(--gold-dark)}
.filters button[aria-pressed="true"],.tool-tabs a[aria-current="page"]{background:var(--green);border-color:var(--green);color:var(--cream)}
.field input:focus,.field select:focus,.field textarea:focus,.calc-field input:focus,.calc-field select:focus{border-color:var(--green);box-shadow:0 0 0 3px rgba(201,162,75,.35)}
.check input,.calc-check input{accent-color:var(--green)}
.az a:hover{background:var(--bg-2);border-color:var(--gold)}
.gloss dt{color:var(--green);font-family:var(--head)}
.strip{background:var(--card);border-bottom:1px solid var(--line)}
.awards img{filter:grayscale(1) sepia(.15);opacity:.9}
.logo-strip{background:var(--green);padding:28px 0}
.logo-strip .strip-label{color:var(--gold)}
.form-card{background:var(--card);border-top:3px solid var(--gold)}
.guide-card{border-top:2px solid var(--gold)}
.guide-card .num{color:var(--gold-dark)}
.covers img{box-shadow:0 18px 40px -18px rgba(31,77,58,.6)}
.actionbar{background:var(--green);border-top:1px solid var(--gold)}
.actionbar a{color:var(--cream)}
.actionbar a.primary{background:var(--cream);color:var(--green)}
.cookie{background:var(--card);border-top:3px solid var(--gold)}

/* Footer */
.site-foot{background:var(--green);color:var(--on-night-2)}
.site-foot a{color:var(--cream)}
.site-foot h4{color:var(--gold)}
.foot-social a{border-color:rgba(201,162,75,.55);color:var(--gold)}
.foot-social a:hover{background:rgba(201,162,75,.15)}
.legal{color:#C3CFC5;border-top-color:rgba(201,162,75,.35)}
.legal strong{color:var(--cream)}
.foot-bottom{color:#B7C4BA}

.awards img{height:50px;max-width:200px;object-fit:contain}
@media (max-width:1240px){.nav-top{padding:10px 9px;font-size:14.5px}}
.calc-cta .btn{white-space:normal;text-align:center;line-height:1.3}
.logo-row img{max-width:240px;object-fit:contain}
.logo-row img[alt="Bridging & Commercial"]{height:auto;width:230px}
.home-calc .calc-shell{margin-top:28px}
@media (max-width:600px){.topbar{display:none}}
.team-contact{font-size:13.5px}
.team-contact a{overflow-wrap:normal}
.team-card{min-width:0}
@media (max-width:760px){.tool-tabs{flex-wrap:nowrap;overflow-x:auto;padding-bottom:6px;margin-left:calc(-1*var(--gut));margin-right:calc(-1*var(--gut));padding-left:var(--gut);padding-right:var(--gut);scrollbar-width:none}.tool-tabs a{flex:none}}
.team-contact a{white-space:nowrap}