/* =============================================
   MORTGAGE ADVISORY NETWORK — main.css
   Mobile-first. No framework dependencies.
   ============================================= */

/* Google Fonts */
@import url('https://fonts.googleapis.com/css2?family=DM+Serif+Display:ital@0;1&family=DM+Sans:ital,opsz,wght@0,9..40,300;0,9..40,400;0,9..40,500;0,9..40,600;1,9..40,400&display=swap');

/* =============================================
   CSS CUSTOM PROPERTIES
   ============================================= */

:root {
  --color-magenta: #C62A7E;
  --color-orange: #E85F2B;
  --color-teal: #009A88;
  --color-dark: #1A1A2E;
  --color-off-white: #F8F7F4;
  --color-light-grey: #EDECEA;
  --color-text: #1A1A2E;
  --color-text-muted: #6B6B7B;
  --color-white: #FFFFFF;

  --font-display: 'DM Serif Display', Georgia, serif;
  --font-body: 'DM Sans', system-ui, sans-serif;

  --radius-sm: 4px;
  --radius-md: 8px;
  --radius-lg: 16px;

  --shadow-card: 0 2px 16px rgba(26,26,46,0.08);
  --shadow-elevated: 0 8px 32px rgba(26,26,46,0.14);

  --max-width: 1200px;
  --section-padding: 80px 0;
}

/* =============================================
   RESET & BASE
   ============================================= */

*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-body);
  color: var(--color-text);
  background-color: var(--color-off-white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

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

a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }

button {
  cursor: pointer;
  font-family: var(--font-body);
  border: none;
  background: none;
}

input, textarea, select {
  font-family: var(--font-body);
  font-size: 1rem;
}

/* =============================================
   TYPOGRAPHY
   ============================================= */

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  line-height: 1.2;
  color: var(--color-dark);
}

h1 { font-size: clamp(2rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.75rem, 4vw, 2.75rem); }
h3 { font-size: clamp(1.25rem, 3vw, 1.75rem); }
h4 { font-size: clamp(1.1rem, 2.5vw, 1.375rem); }

p {
  margin-bottom: 1rem;
  max-width: 70ch;
}
p:last-child { margin-bottom: 0; }

.label {
  font-family: var(--font-body);
  font-weight: 500;
  font-size: 0.75rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-text-muted);
}

/* =============================================
   LAYOUT
   ============================================= */

.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 20px;
}

@media (min-width: 768px) { .container { padding: 0 32px; } }
@media (min-width: 1200px) { .container { padding: 0 40px; } }

.section { padding: var(--section-padding); }
.section--light { background-color: var(--color-off-white); }
.section--grey { background-color: var(--color-light-grey); }
.section--dark { background-color: var(--color-dark); color: var(--color-white); }
.section--magenta { background-color: var(--color-magenta); color: var(--color-white); }

.section-header { margin-bottom: 48px; }
.section-header--centered { text-align: center; }
.section-header .label { display: block; margin-bottom: 12px; }
.section-header h2 { margin-bottom: 16px; }
.section-header p {
  font-size: 1.125rem;
  color: var(--color-text-muted);
  max-width: 56ch;
}
.section-header--centered p { margin-left: auto; margin-right: auto; }

.grid { display: grid; gap: 24px; }
.grid--2 { grid-template-columns: 1fr; }
.grid--3 { grid-template-columns: 1fr; }
@media (min-width: 640px) { .grid--2 { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 768px) { .grid--3 { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .grid--3 { grid-template-columns: repeat(3, 1fr); } }

/* =============================================
   BUTTONS
   ============================================= */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius-md);
  font-family: var(--font-body);
  font-weight: 500;
  font-size: 1rem;
  line-height: 1;
  transition: all 0.2s ease;
  white-space: nowrap;
  cursor: pointer;
  border: 2px solid transparent;
}

.btn--primary {
  background-color: var(--color-magenta);
  color: var(--color-white);
  border-color: var(--color-magenta);
}
.btn--primary:hover {
  background-color: #a82068;
  border-color: #a82068;
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(198,42,126,0.3);
}

.btn--ghost {
  background-color: transparent;
  color: var(--color-white);
  border-color: rgba(255,255,255,0.5);
}
.btn--ghost:hover {
  background-color: rgba(255,255,255,0.1);
  border-color: var(--color-white);
}

.btn--ghost-dark {
  background-color: transparent;
  color: var(--color-dark);
  border-color: var(--color-dark);
}
.btn--ghost-dark:hover {
  background-color: var(--color-dark);
  color: var(--color-white);
}

.btn--teal {
  background-color: var(--color-teal);
  color: var(--color-white);
  border-color: var(--color-teal);
}
.btn--teal:hover {
  background-color: #007a6c;
  border-color: #007a6c;
  transform: translateY(-1px);
}

.btn--lg { padding: 18px 36px; font-size: 1.0625rem; }
.btn--sm { padding: 10px 20px; font-size: 0.875rem; }

/* =============================================
   NAVIGATION
   ============================================= */

.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background-color: var(--color-white);
  border-bottom: 1px solid var(--color-light-grey);
  transition: box-shadow 0.2s ease;
}
.nav.scrolled { box-shadow: var(--shadow-elevated); }

.nav__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.nav__logo {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}
.nav__logo img {
  height: 40px;
  width: auto;
}

.nav__links {
  display: none;
  align-items: center;
  gap: 4px;
}
@media (min-width: 1024px) { .nav__links { display: flex; } }

.nav__link {
  position: relative;
  padding: 8px 14px;
  font-weight: 500;
  font-size: 0.9375rem;
  color: var(--color-text);
  border-radius: var(--radius-sm);
  transition: color 0.2s ease, background-color 0.2s ease;
}
.nav__link:hover {
  color: var(--color-magenta);
  background-color: rgba(198,42,126,0.06);
}

/* Dropdown */
.nav__item { position: relative; }
.nav__item:hover .nav__dropdown,
.nav__item:focus-within .nav__dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}

.nav__dropdown-toggle {
  display: flex;
  align-items: center;
  gap: 5px;
  cursor: default;
}
.nav__dropdown-toggle::after {
  content: '';
  width: 0;
  height: 0;
  border-left: 4px solid transparent;
  border-right: 4px solid transparent;
  border-top: 5px solid currentColor;
  transition: transform 0.2s ease;
  margin-top: 1px;
}
.nav__item:hover .nav__dropdown-toggle::after { transform: rotate(180deg); }

.nav__dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%) translateY(-8px);
  background-color: var(--color-white);
  border: 1px solid var(--color-light-grey);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-elevated);
  min-width: 210px;
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.2s ease, visibility 0.2s ease, transform 0.2s ease;
}
.nav__dropdown a {
  display: block;
  padding: 10px 16px;
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--color-text);
  border-radius: var(--radius-sm);
  transition: color 0.2s ease, background-color 0.2s ease;
}
.nav__dropdown a:hover {
  color: var(--color-magenta);
  background-color: rgba(198,42,126,0.06);
}

.nav__actions {
  display: flex;
  align-items: center;
  gap: 12px;
}

/* Hamburger */
.nav__hamburger {
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  width: 24px;
  height: 18px;
  padding: 0;
  cursor: pointer;
  background: none;
  border: none;
}
@media (min-width: 1024px) { .nav__hamburger { display: none; } }

.nav__hamburger span {
  display: block;
  width: 100%;
  height: 2px;
  background-color: var(--color-dark);
  border-radius: 2px;
  transition: transform 0.3s ease, opacity 0.3s ease;
}
.nav__hamburger.open span:nth-child(1) { transform: translateY(8px) rotate(45deg); }
.nav__hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.nav__hamburger.open span:nth-child(3) { transform: translateY(-8px) rotate(-45deg); }

/* Mobile menu */
.nav__mobile {
  display: none;
  border-top: 1px solid var(--color-light-grey);
  padding: 16px 0 20px;
  background-color: var(--color-white);
}
.nav__mobile.open { display: block; }

.nav__mobile a {
  display: block;
  padding: 11px 20px;
  font-weight: 500;
  font-size: 1rem;
  color: var(--color-text);
  border-radius: var(--radius-sm);
  transition: color 0.2s ease, background-color 0.2s ease;
  margin: 0 8px;
}
.nav__mobile a:hover {
  color: var(--color-magenta);
  background-color: rgba(198,42,126,0.06);
}
.nav__mobile-section {
  padding: 12px 20px 4px;
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-text-muted);
  margin-top: 4px;
}
.nav__mobile .btn {
  margin: 12px 20px 0;
  width: calc(100% - 40px);
}
.nav__mobile-sub { padding-left: 16px !important; font-size: 0.9375rem !important; }

/* =============================================
   HERO SECTION
   ============================================= */

.hero {
  position: relative;
  background-color: var(--color-dark);
  color: var(--color-white);
  padding: 88px 0 72px;
  overflow: hidden;
  min-height: 80vh;
  display: flex;
  align-items: center;
}

.hero__bg-pattern {
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='80' height='80'%3E%3Cpath d='M0 80L80 0M0 40L40 0M40 80L80 40' stroke='white' stroke-opacity='0.025' stroke-width='1.5'/%3E%3C/svg%3E");
  background-size: 80px 80px;
}

.hero__container {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr;
  gap: 48px;
  align-items: center;
}
@media (min-width: 1024px) {
  .hero__container {
    grid-template-columns: 1fr 1fr;
    gap: 72px;
  }
}

.hero__content { max-width: 580px; }

.hero__eyebrow {
  display: inline-block;
  margin-bottom: 20px;
  padding: 6px 14px;
  background-color: rgba(198,42,126,0.2);
  border: 1px solid rgba(198,42,126,0.35);
  border-radius: 100px;
  font-size: 0.8125rem;
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: #f4a8cf;
}

.hero h1 {
  font-size: clamp(2.25rem, 5.5vw, 4rem);
  color: var(--color-white);
  margin-bottom: 0;
  line-height: 1.1;
}
.hero h1 .accent { color: var(--color-magenta); }

.hero__subhead {
  font-size: clamp(1rem, 2vw, 1.1875rem);
  color: rgba(255,255,255,0.72);
  margin-top: 20px;
  margin-bottom: 36px;
  line-height: 1.65;
  max-width: 50ch;
}

.hero__actions {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
@media (min-width: 480px) {
  .hero__actions {
    flex-direction: row;
    flex-wrap: wrap;
  }
}

.hero__image {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  aspect-ratio: 4/3;
  background: linear-gradient(135deg,
    rgba(198,42,126,0.25) 0%,
    rgba(26,26,46,0.8) 40%,
    rgba(0,154,136,0.25) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
}
.hero__image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  position: absolute;
  inset: 0;
}
.hero__image-placeholder {
  text-align: center;
  padding: 24px;
  color: rgba(255,255,255,0.4);
}
.hero__image-placeholder p {
  font-size: 0.875rem;
  max-width: none;
  font-style: italic;
}

/* =============================================
   PROOF STRIP
   ============================================= */

.proof-strip {
  background-color: var(--color-light-grey);
  padding: 18px 0;
  border-bottom: 1px solid rgba(26,26,46,0.06);
}

.proof-strip__inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 8px 28px;
  row-gap: 10px;
}

.proof-strip__item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--color-text);
  white-space: nowrap;
}

.proof-strip__check {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 20px;
  height: 20px;
  background-color: var(--color-teal);
  color: white;
  border-radius: 50%;
  font-size: 0.625rem;
  font-weight: 700;
  flex-shrink: 0;
  line-height: 1;
}

/* =============================================
   SERVICE CARDS
   ============================================= */

.service-card {
  background-color: var(--color-white);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-card);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  display: flex;
  flex-direction: column;
}
.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-elevated);
}

.service-card__icon {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  font-size: 1.5rem;
}
.service-card__icon--magenta { background-color: rgba(198,42,126,0.1); color: var(--color-magenta); }
.service-card__icon--orange  { background-color: rgba(232,95,43,0.1);  color: var(--color-orange); }
.service-card__icon--teal    { background-color: rgba(0,154,136,0.1);  color: var(--color-teal); }

.service-card h3 { margin-bottom: 10px; }
.service-card p { color: var(--color-text-muted); flex: 1; margin-bottom: 20px; max-width: none; }

.service-card__link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-weight: 500;
  color: var(--color-magenta);
  font-size: 0.9375rem;
  transition: gap 0.2s ease;
}
.service-card__link:hover { gap: 10px; }

/* =============================================
   HARD CASES SECTION
   ============================================= */

.hard-cases {
  background-color: var(--color-dark);
  color: var(--color-white);
  padding: var(--section-padding);
}

.hard-cases__inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: 48px;
}
@media (min-width: 1024px) {
  .hard-cases__inner {
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
  }
}

.hard-cases h2 { color: var(--color-white); margin-bottom: 20px; }
.hard-cases h2 .accent { color: var(--color-magenta); }
.hard-cases .lead {
  color: rgba(255,255,255,0.72);
  font-size: 1.0625rem;
  line-height: 1.7;
  margin-bottom: 32px;
  max-width: none;
}
.hard-cases .btn { margin-top: 8px; }

.hard-cases__stats { display: flex; flex-direction: column; gap: 16px; }

.hard-cases__stat {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 18px 22px;
  background-color: rgba(255,255,255,0.05);
  border-radius: var(--radius-md);
  border-left: 3px solid var(--color-magenta);
  transition: background-color 0.2s ease;
}
.hard-cases__stat:hover { background-color: rgba(255,255,255,0.08); }

.hard-cases__stat-icon {
  font-size: 1.375rem;
  flex-shrink: 0;
  margin-top: 1px;
}

.hard-cases__stat-text {
  font-size: 0.9375rem;
  color: rgba(255,255,255,0.8);
  line-height: 1.5;
}
.hard-cases__stat-text strong {
  display: block;
  font-size: 1rem;
  color: white;
  margin-bottom: 2px;
  font-weight: 600;
}

/* =============================================
   TEAM CARDS
   ============================================= */

.team-card {
  background-color: var(--color-white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-card);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.team-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-elevated);
}

.team-card__photo {
  aspect-ratio: 4/3;
  overflow: hidden;
  background-color: var(--color-light-grey);
  position: relative;
}
.team-card__photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.3s ease;
}
.team-card:hover .team-card__photo img { transform: scale(1.04); }

.team-card__placeholder {
  width: 100%;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 3rem;
  color: rgba(26,26,46,0.2);
  font-family: var(--font-display);
  letter-spacing: -2px;
}

.team-card__body { padding: 24px; }
.team-card__name {
  font-family: var(--font-display);
  font-size: 1.375rem;
  color: var(--color-dark);
  margin-bottom: 4px;
}
.team-card__role {
  font-size: 0.8125rem;
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--color-magenta);
  margin-bottom: 12px;
}
.team-card__bio {
  font-size: 0.9375rem;
  color: var(--color-text-muted);
  line-height: 1.6;
  margin-bottom: 0;
  max-width: none;
}

/* =============================================
   TESTIMONIALS CAROUSEL
   ============================================= */

.testimonials-carousel {
  position: relative;
  overflow: hidden;
}

.testimonials-track {
  display: flex;
  transition: transform 0.4s cubic-bezier(0.25, 0.46, 0.45, 0.94);
}

.testimonial-slide {
  min-width: 100%;
  padding: 0 6px;
}
@media (min-width: 768px)  { .testimonial-slide { min-width: 50%; } }
@media (min-width: 1024px) { .testimonial-slide { min-width: 33.333%; } }

.testimonial-card {
  background-color: var(--color-white);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-card);
  height: 100%;
  display: flex;
  flex-direction: column;
}

.testimonial-card__stars {
  display: flex;
  gap: 2px;
  margin-bottom: 14px;
}
.testimonial-card__stars span { color: #F59E0B; font-size: 1rem; }

.testimonial-card__quote {
  font-size: 0.9375rem;
  line-height: 1.7;
  color: var(--color-text);
  font-style: italic;
  flex: 1;
  margin-bottom: 18px;
  max-width: none;
}
.testimonial-card__quote::before { content: '\201C'; }
.testimonial-card__quote::after  { content: '\201D'; }

.testimonial-card__author {
  font-weight: 600;
  font-size: 0.9375rem;
  color: var(--color-dark);
  margin-bottom: 2px;
}
.testimonial-card__context {
  font-size: 0.8125rem;
  color: var(--color-text-muted);
}

.testimonials-controls {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  margin-top: 28px;
}

.testimonials-btn {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  border: 1.5px solid var(--color-light-grey);
  background-color: var(--color-white);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: all 0.2s ease;
  color: var(--color-dark);
  font-size: 1.125rem;
}
.testimonials-btn:hover { border-color: var(--color-magenta); color: var(--color-magenta); }
.testimonials-btn:disabled { opacity: 0.35; cursor: not-allowed; }
.testimonials-btn:disabled:hover { border-color: var(--color-light-grey); color: var(--color-dark); }

.testimonials-dots { display: flex; gap: 8px; align-items: center; }
.testimonials-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background-color: var(--color-light-grey);
  border: none;
  cursor: pointer;
  transition: all 0.25s ease;
  padding: 0;
  flex-shrink: 0;
}
.testimonials-dot.active {
  background-color: var(--color-magenta);
  width: 22px;
  border-radius: 4px;
}

/* =============================================
   ENQUIRY FORM
   ============================================= */

.enquiry-section {
  background-color: var(--color-dark);
  padding: var(--section-padding);
}
.enquiry-section h2 { color: var(--color-white); }
.enquiry-section .section-header p { color: rgba(255,255,255,0.65); }

.enquiry-form-wrap {
  background-color: var(--color-white);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-elevated);
  max-width: 660px;
  margin: 0 auto;
}
@media (max-width: 480px) { .enquiry-form-wrap { padding: 24px 20px; } }

.form-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 18px;
}
@media (min-width: 560px) {
  .form-grid { grid-template-columns: 1fr 1fr; }
  .form-grid .form-group--full { grid-column: 1 / -1; }
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.form-group label {
  font-weight: 500;
  font-size: 0.9375rem;
  color: var(--color-dark);
}

.form-group input,
.form-group select,
.form-group textarea {
  padding: 12px 16px;
  border: 1.5px solid var(--color-light-grey);
  border-radius: var(--radius-md);
  font-size: 1rem;
  color: var(--color-text);
  background-color: var(--color-off-white);
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
  -webkit-appearance: none;
  appearance: none;
}

.form-group select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%236B6B7B' stroke-width='1.5' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 16px center;
  padding-right: 44px;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--color-magenta);
  box-shadow: 0 0 0 3px rgba(198,42,126,0.1);
  background-color: var(--color-white);
}

.form-group textarea { resize: vertical; min-height: 96px; }

.form-group--checkbox {
  flex-direction: row;
  align-items: flex-start;
  gap: 12px;
}
.form-group--checkbox input[type="checkbox"] {
  width: 20px;
  height: 20px;
  border-radius: 4px;
  flex-shrink: 0;
  margin-top: 1px;
  cursor: pointer;
  accent-color: var(--color-magenta);
}
.form-group--checkbox label {
  font-weight: 400;
  font-size: 0.875rem;
  color: var(--color-text-muted);
  cursor: pointer;
  line-height: 1.5;
}
.form-group--checkbox label a { color: var(--color-magenta); text-decoration: underline; }

.form-note {
  font-size: 0.8125rem;
  color: var(--color-text-muted);
  margin-top: 6px;
}
.form-submit-btn { width: 100%; padding: 16px; font-size: 1.0625rem; margin-top: 8px; }

.form-success {
  display: none;
  text-align: center;
  padding: 32px 24px;
}
.form-success.visible { display: block; }
.form-success__icon { font-size: 3rem; margin-bottom: 16px; }
.form-success h3 { margin-bottom: 8px; }
.form-success p { color: var(--color-text-muted); margin: 0 auto; max-width: 40ch; }

.form-error-msg {
  display: none;
  color: #DC2626;
  font-size: 0.8125rem;
  margin-top: 3px;
}
.form-error-msg.visible { display: block; }
.form-group.has-error input,
.form-group.has-error select,
.form-group.has-error textarea { border-color: #DC2626; }

/* =============================================
   FOOTER
   ============================================= */

.footer {
  background-color: var(--color-dark);
  color: rgba(255,255,255,0.7);
  padding: 64px 0 0;
}

.footer__main {
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
  padding-bottom: 48px;
}
@media (min-width: 640px)  { .footer__main { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .footer__main { grid-template-columns: 2fr 1fr 1fr 1fr; } }

.footer__brand { max-width: 300px; }

.footer__logo {
  height: 40px;
  width: auto;
  margin-bottom: 16px;
}

.footer__tagline {
  font-size: 0.9375rem;
  line-height: 1.6;
  color: rgba(255,255,255,0.55);
  margin-bottom: 20px;
}

.footer__social { display: flex; gap: 10px; }
.footer__social a {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  background-color: rgba(255,255,255,0.08);
  border-radius: var(--radius-md);
  color: rgba(255,255,255,0.65);
  font-size: 0.9rem;
  transition: background-color 0.2s ease, color 0.2s ease;
  font-weight: 700;
  text-transform: uppercase;
  font-size: 0.75rem;
  letter-spacing: 0.02em;
}
.footer__social a:hover { background-color: var(--color-magenta); color: white; }

.footer__col h4 {
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  margin-bottom: 16px;
}
.footer__col ul { display: flex; flex-direction: column; gap: 10px; }
.footer__col ul a {
  font-size: 0.9375rem;
  color: rgba(255,255,255,0.6);
  transition: color 0.2s ease;
  line-height: 1.4;
}
.footer__col ul a:hover { color: var(--color-white); }

.footer__regulatory {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 28px 0;
}
.footer__regulatory p {
  font-size: 0.8125rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.35);
  max-width: none;
}

.footer__bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 18px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
}
.footer__bottom p {
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.35);
  margin-bottom: 0;
}
.footer__bottom a {
  color: rgba(255,255,255,0.35);
  transition: color 0.2s ease;
}
.footer__bottom a:hover { color: rgba(255,255,255,0.65); }

/* =============================================
   REPOSSESSION WARNING
   ============================================= */

.repossession-warning {
  background-color: rgba(232,95,43,0.07);
  border: 1px solid rgba(232,95,43,0.2);
  border-radius: var(--radius-md);
  padding: 14px 18px;
  font-size: 0.8125rem;
  color: var(--color-text-muted);
  line-height: 1.6;
  margin: 32px 0 0;
  max-width: none;
}
.repossession-warning strong { color: var(--color-orange); }

/* =============================================
   PAGE HERO (inner pages)
   ============================================= */

.page-hero {
  background-color: var(--color-dark);
  color: var(--color-white);
  padding: 80px 0 64px;
  position: relative;
  overflow: hidden;
}
.page-hero__bg {
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='80' height='80'%3E%3Cpath d='M0 80L80 0M0 40L40 0M40 80L80 40' stroke='white' stroke-opacity='0.025' stroke-width='1.5'/%3E%3C/svg%3E");
  background-size: 80px 80px;
}
.page-hero__content {
  position: relative;
  z-index: 1;
  max-width: 720px;
}
.page-hero .label {
  color: rgba(255,255,255,0.45);
  display: block;
  margin-bottom: 14px;
}
.page-hero h1 { color: var(--color-white); margin-bottom: 16px; }
.page-hero h1 .accent { color: var(--color-magenta); }
.page-hero__subhead {
  font-size: clamp(1rem, 2vw, 1.1875rem);
  color: rgba(255,255,255,0.68);
  line-height: 1.7;
  max-width: 60ch;
  margin-bottom: 0;
}

/* =============================================
   PAGE CONTENT SECTIONS
   ============================================= */

.content-section {
  padding: var(--section-padding);
}
.content-section--alt { background-color: var(--color-light-grey); }

.two-col {
  display: grid;
  grid-template-columns: 1fr;
  gap: 48px;
  align-items: start;
}
@media (min-width: 1024px) { .two-col { grid-template-columns: 1fr 1fr; gap: 72px; } }

.two-col--wide { }
@media (min-width: 1024px) { .two-col--wide { grid-template-columns: 3fr 2fr; } }

.content-block h2 { margin-bottom: 16px; }
.content-block h3 { margin-bottom: 12px; }
.content-block p { color: var(--color-text-muted); line-height: 1.7; }
.content-block .btn { margin-top: 8px; }

/* =============================================
   FAQ ACCORDION
   ============================================= */

.faq-list {
  border: 1px solid var(--color-light-grey);
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.faq-item { border-bottom: 1px solid var(--color-light-grey); }
.faq-item:last-child { border-bottom: none; }

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 24px;
  text-align: left;
  background-color: var(--color-white);
  cursor: pointer;
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-dark);
  transition: background-color 0.2s ease, color 0.2s ease;
}
.faq-question:hover { background-color: rgba(198,42,126,0.03); }
.faq-question.open { color: var(--color-magenta); background-color: rgba(198,42,126,0.03); }

.faq-icon {
  width: 24px;
  height: 24px;
  flex-shrink: 0;
  border-radius: 50%;
  border: 1.5px solid var(--color-light-grey);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  transition: transform 0.2s ease, border-color 0.2s ease;
  color: var(--color-text-muted);
  line-height: 1;
}
.faq-question.open .faq-icon {
  transform: rotate(45deg);
  border-color: var(--color-magenta);
  color: var(--color-magenta);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}
.faq-answer.open { max-height: 600px; }

.faq-answer__inner {
  padding: 0 24px 20px;
  font-size: 0.9375rem;
  color: var(--color-text-muted);
  line-height: 1.7;
  background-color: var(--color-white);
}
.faq-answer__inner p:not(:last-child) { margin-bottom: 10px; }

/* =============================================
   CHECKLIST
   ============================================= */

.checklist { display: flex; flex-direction: column; gap: 12px; }
.checklist__item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.9375rem;
  color: var(--color-text);
  line-height: 1.5;
}
.checklist__item::before {
  content: '✓';
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 22px;
  height: 22px;
  background-color: var(--color-teal);
  color: white;
  border-radius: 50%;
  font-size: 0.625rem;
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 1px;
}

/* =============================================
   CASE STUDY CARD
   ============================================= */

.case-study {
  background-color: var(--color-dark);
  color: var(--color-white);
  border-radius: var(--radius-lg);
  padding: 36px 40px;
  position: relative;
  overflow: hidden;
}
.case-study::before {
  content: '\201C';
  position: absolute;
  top: -20px;
  left: 24px;
  font-family: var(--font-display);
  font-size: 10rem;
  color: rgba(255,255,255,0.04);
  line-height: 1;
  pointer-events: none;
}
.case-study__label {
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-magenta);
  margin-bottom: 14px;
}
.case-study__text {
  font-size: 1.0625rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.82);
  font-style: italic;
  margin-bottom: 0;
  max-width: none;
}
.case-study__attribution {
  margin-top: 20px;
  font-size: 0.875rem;
  font-weight: 500;
  color: rgba(255,255,255,0.45);
}

/* =============================================
   CTA BANNER
   ============================================= */

.cta-banner {
  background: linear-gradient(135deg, var(--color-magenta) 0%, #9b1d62 100%);
  border-radius: var(--radius-lg);
  padding: 48px 40px;
  text-align: center;
  color: var(--color-white);
}
.cta-banner h2 { color: white; margin-bottom: 12px; }
.cta-banner p {
  color: rgba(255,255,255,0.8);
  margin: 0 auto 28px;
  font-size: 1.0625rem;
  max-width: 50ch;
}
.cta-banner .btn--ghost { border-color: rgba(255,255,255,0.5); }

/* =============================================
   STAT HIGHLIGHTS
   ============================================= */

.stat-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}
@media (min-width: 640px) { .stat-grid { grid-template-columns: repeat(3, 1fr); } }

.stat-item { text-align: center; padding: 20px; }
.stat-item__number {
  font-family: var(--font-display);
  font-size: 2.5rem;
  color: var(--color-magenta);
  line-height: 1;
  margin-bottom: 6px;
}
.stat-item__label {
  font-size: 0.875rem;
  color: var(--color-text-muted);
  line-height: 1.4;
}

/* =============================================
   BREADCRUMB
   ============================================= */

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.875rem;
  color: rgba(255,255,255,0.45);
  margin-bottom: 20px;
}
.breadcrumb a { color: rgba(255,255,255,0.45); transition: color 0.2s ease; }
.breadcrumb a:hover { color: rgba(255,255,255,0.75); }
.breadcrumb span { color: rgba(255,255,255,0.45); }
.breadcrumb__sep { margin: 0 2px; }

/* =============================================
   COOKIE BANNER
   ============================================= */

.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 200;
  background-color: var(--color-dark);
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 20px 0;
  box-shadow: 0 -4px 24px rgba(0,0,0,0.2);
  transition: transform 0.3s ease;
}
.cookie-banner.hidden { transform: translateY(110%); }

.cookie-banner__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}
.cookie-banner p {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.7);
  margin-bottom: 0;
  max-width: none;
  flex: 1;
  min-width: 200px;
}
.cookie-banner p a { color: var(--color-teal); text-decoration: underline; }
.cookie-banner__actions { display: flex; gap: 10px; flex-shrink: 0; }

/* =============================================
   SKIP LINK (accessibility)
   ============================================= */

.skip-to-content {
  position: absolute;
  top: -100%;
  left: 50%;
  transform: translateX(-50%);
  background-color: var(--color-magenta);
  color: white;
  padding: 10px 22px;
  border-radius: 0 0 var(--radius-md) var(--radius-md);
  font-weight: 500;
  z-index: 999;
  transition: top 0.2s ease;
  white-space: nowrap;
}
.skip-to-content:focus { top: 0; }

/* =============================================
   FOCUS STATES (accessibility)
   ============================================= */

*:focus-visible {
  outline: 2.5px solid var(--color-magenta);
  outline-offset: 2px;
}
button:focus-visible, a:focus-visible { border-radius: var(--radius-sm); }

/* =============================================
   UTILITIES
   ============================================= */

.text-magenta  { color: var(--color-magenta); }
.text-orange   { color: var(--color-orange); }
.text-teal     { color: var(--color-teal); }
.text-muted    { color: var(--color-text-muted); }
.text-white    { color: white; }
.text-center   { text-align: center; }

.mt-auto { margin-top: auto; }
.mb-0 { margin-bottom: 0 !important; }

.section-cta { margin-top: 48px; text-align: center; }

.visually-hidden {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}

.divider {
  border: none;
  border-top: 1px solid var(--color-light-grey);
  margin: 48px 0;
}

/* Blog card (used on homepage/other pages) */
.blog-card {
  background-color: var(--color-white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-card);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  display: flex;
  flex-direction: column;
  text-decoration: none;
  color: inherit;
}
.blog-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-elevated); }
.blog-card__image {
  aspect-ratio: 16/9;
  background-color: var(--color-light-grey);
  overflow: hidden;
}
.blog-card__image img {
  width: 100%; height: 100%; object-fit: cover;
  transition: transform 0.3s ease;
}
.blog-card:hover .blog-card__image img { transform: scale(1.05); }
.blog-card__body { padding: 22px; flex: 1; display: flex; flex-direction: column; }
.blog-card__category {
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--color-magenta);
  margin-bottom: 8px;
}
.blog-card__title {
  font-family: var(--font-display);
  font-size: 1.125rem;
  color: var(--color-dark);
  margin-bottom: 8px;
  line-height: 1.35;
  flex: 1;
}
.blog-card__excerpt { font-size: 0.9rem; color: var(--color-text-muted); line-height: 1.6; margin-bottom: 14px; }
.blog-card__meta { font-size: 0.8125rem; color: var(--color-text-muted); margin-top: auto; }

/* =============================================
   ABOUT PAGE
   ============================================= */

.team-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
}
@media (min-width: 640px)  { .team-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .team-grid { grid-template-columns: repeat(3, 1fr); } }

.team-card--full .team-card__photo { aspect-ratio: 3/4; }

.values-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
}
@media (min-width: 640px) { .values-grid { grid-template-columns: 1fr 1fr; } }

.value-card {
  background-color: var(--color-white);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-card);
}
.value-card__icon {
  font-size: 1.75rem;
  margin-bottom: 14px;
}
.value-card h3 { font-size: 1.125rem; margin-bottom: 8px; }
.value-card p { color: var(--color-text-muted); font-size: 0.9375rem; margin-bottom: 0; max-width: none; }