:root {
  color-scheme: light;
  --navy: #18204a;
  --gold: #c9a74a;
  --dark-gold: #8d6d18;
  --white: #f8f8f5;
  --ink: #1d2438;
  --muted: #667085;
  --line: rgba(24, 32, 74, 0.14);
  --panel: #ffffff;
  --shadow: 0 24px 70px rgba(24, 32, 74, 0.12);
}

* {
  box-sizing: border-box;
}

html {
  background: var(--white);
  color: var(--ink);
  color-scheme: light;
  scroll-behavior: smooth;
  scroll-padding-top: 100px;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font-family: "Inter", "Segoe UI", Arial, sans-serif;
  font-size: 16px;
  line-height: 1.65;
}

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

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

a,
button,
input,
select,
textarea,
summary {
  -webkit-tap-highlight-color: rgba(201, 167, 74, 0.24);
}

:where(a, button, input, select, textarea, summary):focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 3px;
}

:where(input, select, textarea):focus-visible {
  border-color: var(--navy);
  box-shadow: 0 0 0 2px rgba(201, 167, 74, 0.28);
}

.container {
  width: min(1160px, calc(100% - 40px));
  margin: 0 auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  border-bottom: 1px solid rgba(24, 32, 74, 0.08);
  background: rgba(248, 248, 245, 0.94);
  backdrop-filter: blur(18px);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 82px;
  gap: 24px;
}

.brand {
  display: inline-flex;
  flex: 0 0 auto;
  align-items: center;
  gap: 12px;
  color: var(--navy);
  font-weight: 800;
  letter-spacing: 0;
  white-space: nowrap;
}

.brand-mark {
  display: grid;
  width: 42px;
  height: 42px;
  place-items: center;
  border: 1px solid rgba(201, 167, 74, 0.7);
  background: var(--navy);
  color: var(--gold);
  font-family: Georgia, serif;
  font-size: 20px;
}

.brand small {
  display: block;
  color: var(--muted);
  font-size: 11px;
  font-weight: 600;
}

.nav-links {
  display: flex;
  flex: 0 0 auto;
  align-items: center;
  gap: 18px;
  color: var(--navy);
  font-size: 14px;
  font-weight: 700;
  white-space: nowrap;
}

.nav-links a {
  border-bottom: 1px solid transparent;
}

.nav-links a:hover {
  border-color: var(--gold);
  color: var(--dark-gold);
}

.skip-link {
  position: fixed;
  top: 0.75rem;
  left: 1rem;
  z-index: 3000;
  padding: 0.65rem 0.9rem;
  color: var(--navy);
  background: var(--gold);
  border-radius: 0.35rem;
  font-weight: 700;
  transform: translateY(-180%);
  transition: transform 160ms ease;
}

.skip-link:focus {
  transform: translateY(0);
}

/* Keep the expanded navigation and conversion actions balanced at compact desktop widths. */
@media (min-width: 1181px) and (max-width: 1440px) {
  .nav {
    gap: 12px;
  }

  .nav-links {
    gap: 8px;
    font-size: 13px;
  }

  .nav-links .phone-link {
    padding-right: 12px;
    padding-left: 12px;
  }

  .nav-links > .button {
    padding-right: 14px;
    padding-left: 14px;
  }
}

@media (min-width: 1181px) and (max-width: 1240px) {
  .nav {
    gap: 8px;
  }

  .nav-links {
    gap: 6px;
    font-size: 12px;
  }

  .nav-links .phone-link,
  .nav-links > .button {
    padding-right: 10px;
    padding-left: 10px;
  }
}

/* Keep the compact guide pages on the same header system as the main site. */
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 82px;
  gap: 24px;
}

.header-inner > nav {
  display: flex;
  flex: 0 0 auto;
  align-items: center;
  gap: 18px;
  color: var(--navy);
  font-size: 14px;
  font-weight: 700;
  white-space: nowrap;
}

.header-inner > nav a:hover {
  border-bottom: 1px solid var(--gold);
  color: var(--dark-gold);
}

.header-inner .header-cta {
  display: inline-flex;
  min-height: 46px;
  align-items: center;
  padding: 12px 20px;
  border: 1px solid var(--navy);
  border-radius: 4px;
  background: var(--navy);
  color: #fff;
}

.button,
button {
  color-scheme: light;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 46px;
  padding: 12px 20px;
  border: 1px solid var(--navy);
  border-radius: 4px;
  background: var(--navy);
  color: #fff;
  font: inherit;
  font-weight: 800;
  cursor: pointer;
}

.button:hover,
button:hover {
  background: #111739;
}

.button.secondary {
  border-color: rgba(24, 32, 74, 0.22);
  background: transparent;
  color: var(--navy);
}

.button.secondary:hover {
  border-color: var(--gold);
  background: rgba(201, 167, 74, 0.08);
}

/* Site-wide search */
.header-search-link {
  display: inline-flex;
  align-items: center;
  gap: 5px;
}

.header-search-link .icon {
  width: 16px;
  height: 16px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.8;
}

.search-hero {
  padding: 82px 0 72px;
  background: var(--navy);
  color: #fff;
}

.search-hero h1 {
  max-width: 760px;
  color: #fff;
}

.search-hero .lead {
  max-width: 700px;
  color: rgba(255, 255, 255, 0.84);
}

.hub-search-form {
  max-width: 760px;
  margin-top: 24px;
}

.guide-hero .hub-search-form label {
  color: #fff;
}

.guide-hero .hub-search-form button {
  border-color: var(--gold);
  background: var(--gold);
  color: var(--navy);
}

.search-page-content {
  padding-top: 54px;
  padding-bottom: 84px;
}

.site-search-form label {
  display: block;
  margin-bottom: 8px;
  color: var(--navy);
  font-weight: 800;
}

.site-search-form > div {
  display: flex;
  gap: 12px;
}

.site-search-form input {
  min-width: 0;
  flex: 1;
  min-height: 50px;
  padding: 12px 16px;
  border: 1px solid rgba(24, 32, 74, 0.25);
  border-radius: 4px;
  background: #fff;
  color: var(--ink);
  font: inherit;
}

.search-filters {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 22px 0 18px;
}

.search-filters button {
  min-height: 40px;
  padding: 8px 14px;
  border-color: rgba(24, 32, 74, 0.25);
  background: transparent;
  color: var(--navy);
  font-size: 14px;
}

.search-filters button.is-active,
.search-filters button:hover {
  border-color: var(--navy);
  background: var(--navy);
  color: #fff;
}

.search-status {
  margin: 18px 0 22px;
  color: var(--muted);
  font-size: 14px;
}

.search-results-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.search-result-card {
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 4px;
  background: #fff;
}

.search-result-card h2 {
  margin: 5px 0 8px;
  font-size: 25px;
  line-height: 1.15;
}

.search-result-card h2 a {
  color: var(--navy);
}

.search-result-card h2 a:hover {
  color: var(--dark-gold);
}

.search-result-card > p:not(.eyebrow) {
  margin: 0 0 16px;
  color: var(--muted);
  font-size: 15px;
}

.search-result-card .text-link {
  display: inline-block;
  color: var(--navy);
  font-weight: 800;
  text-decoration: underline;
  text-decoration-color: var(--gold);
  text-underline-offset: 4px;
}

.search-empty {
  padding: 28px;
  border: 1px solid var(--line);
  background: #fff;
}

.search-empty h2 {
  margin-top: 0;
  color: var(--navy);
  font-size: 28px;
}

.search-empty a {
  color: var(--navy);
  font-weight: 800;
  text-decoration: underline;
  text-decoration-color: var(--gold);
  text-underline-offset: 4px;
}

@media (max-width: 720px) {
  .site-search-form > div {
    display: grid;
    grid-template-columns: 1fr;
  }

  .site-search-form button {
    width: 100%;
  }

  .search-results-grid {
    grid-template-columns: 1fr;
  }

  .search-page-content {
    padding-top: 36px;
    padding-bottom: 70px;
  }
}

/* Stage 4: bring the general contact experience closer to the guided-journey benchmark
   without changing the external booking provider or enquiry behaviour. */
/*
.consultation-shell {
  border-radius: 14px;
}

.consultation-tabs [role="tab"] {
  border-radius: 9px;
  transition: border-color 160ms ease, background-color 160ms ease, box-shadow 160ms ease, transform 160ms ease;
}

.consultation-tabs [role="tab"]:hover {
  border-color: rgba(201, 167, 74, 0.72);
  transform: translateY(-1px);
}

.consultation-tabs [role="tab"][aria-selected="true"] {
  box-shadow: 0 0 0 2px rgba(201, 167, 74, 0.32), 0 12px 26px rgba(24, 32, 74, 0.12);
}

.consultation-panel {
  border-radius: 10px;
}

.consultation-panel form {
  gap: 16px;
}

.consultation-panel label {
  gap: 8px;
  font-size: 12px;
  letter-spacing: 0.01em;
  text-transform: uppercase;
}

.consultation-panel input,
.consultation-panel select,
.consultation-panel textarea {
  border-radius: 8px;
  background: #fff;
}

.consultation-panel textarea {
  min-height: 116px;
}

.booking-guidance,
.booking-fallback {
  max-width: 62ch;
  color: var(--muted);
  font-size: 13px;
  line-height: 1.5;
}

.booking-guidance {
  margin: -2px 0 14px;
}

.booking-fallback {
  margin: 12px 0 0;
}

.booking-fallback a {
  color: var(--navy);
  font-weight: 800;
  text-decoration: underline;
  text-decoration-color: var(--gold);
  text-underline-offset: 3px;
}

.inline-booking {
  border-radius: 9px;
  background: #fff;
}

/* Shared content cards: a tighter rhythm and consistent interaction treatment for
   older service, topic and guide cards. Image-led cards retain their own role. */
.service-card,
.feature-card,
.choice-card,
.next-card,
.intent-card,
.residential-topic,
.guide-card,
.faq-item {
  border-radius: 10px;
}

.service-card,
.residential-topic,
.guide-card,
.intent-card {
  transition: border-color 160ms ease, box-shadow 160ms ease, transform 160ms ease;
}

.service-card:hover,
.residential-topic:hover,
.guide-card:hover,
.intent-card:hover {
  box-shadow: 0 12px 28px rgba(24, 32, 74, 0.09);
}

.service-card:focus-visible,
.guide-card:focus-visible,
.intent-card:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 4px;
}

.faq-group {
  padding-top: 8px;
}

.faq-group > h2 {
  margin: 0 0 18px;
  padding-bottom: 12px;
  border-bottom: 2px solid rgba(201, 167, 74, 0.5);
  font-size: clamp(22px, 2vw, 30px);
}

.faq-list {
  display: grid;
  gap: 10px;
  border-top: 0;
}

.faq-item {
  grid-template-columns: minmax(240px, 0.8fr) minmax(0, 1.2fr);
  gap: 28px;
  padding: 22px 24px;
  border: 1px solid var(--line);
  background: #fff;
}

.faq-item h3 {
  font-size: 20px;
}

@media (max-width: 720px) {
  .consultation-shell {
    border-radius: 12px;
  }

  .consultation-panel {
    border-radius: 8px;
  }

  .faq-list {
    gap: 8px;
  }

  .faq-item {
    gap: 8px;
    padding: 18px;
  }

  .faq-item h3 {
    font-size: 18px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .consultation-tabs [role="tab"],
  .service-card,
  .residential-topic,
  .guide-card,
  .intent-card {
    transition: none;
  }
}

.booking-guidance,
.booking-fallback {
  max-width: 62ch;
  color: var(--muted);
  font-size: 13px;
  line-height: 1.5;
}

.booking-guidance {
  margin: -2px 0 14px;
}

.booking-fallback {
  margin: 12px 0 0;
}

.booking-fallback a {
  color: var(--navy);
  font-weight: 800;
  text-decoration: underline;
  text-decoration-color: var(--gold);
  text-underline-offset: 3px;
}

/* Stage 4 cascade: these shared refinements intentionally sit after the legacy
   component rules so the benchmark treatment is applied consistently. */
.consultation-shell,
.consultation-panel,
.inline-booking,
.consultation-tabs [role="tab"] {
  border-radius: 10px;
}

.consultation-tabs [role="tab"] {
  transition: border-color 160ms ease, background-color 160ms ease, box-shadow 160ms ease, transform 160ms ease;
}

.consultation-tabs [role="tab"]:hover {
  border-color: rgba(201, 167, 74, 0.72);
  transform: translateY(-1px);
}

.consultation-tabs [role="tab"][aria-selected="true"] {
  box-shadow: 0 0 0 2px rgba(201, 167, 74, 0.32), 0 12px 26px rgba(24, 32, 74, 0.12);
}

.consultation-panel form {
  gap: 16px;
}

.consultation-panel label {
  gap: 8px;
  font-size: 12px;
  letter-spacing: 0.01em;
  text-transform: uppercase;
}

.consultation-panel input,
.consultation-panel select,
.consultation-panel textarea {
  border-radius: 8px;
  background: #fff;
}

.consultation-panel textarea {
  min-height: 116px;
}

.service-card,
.feature-card,
.choice-card,
.next-card,
.intent-card,
.residential-topic,
.guide-card,
.faq-item {
  border-radius: 10px;
}

.service-card:focus-visible,
.guide-card:focus-visible,
.intent-card:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 4px;
}

.faq-group {
  padding-top: 8px;
}

.faq-group > h2 {
  margin: 0 0 18px;
  padding-bottom: 12px;
  border-bottom: 2px solid rgba(201, 167, 74, 0.5);
  font-size: clamp(22px, 2vw, 30px);
}

.faq-list {
  display: grid;
  gap: 10px;
  border-top: 0;
}

.faq-item {
  grid-template-columns: minmax(240px, 0.8fr) minmax(0, 1.2fr);
  gap: 28px;
  padding: 22px 24px;
  border: 1px solid var(--line);
  background: #fff;
}

.faq-item h3 {
  font-size: 20px;
}

@media (max-width: 720px) {
  .consultation-shell {
    border-radius: 12px;
  }

  .consultation-panel {
    border-radius: 8px;
  }

  .faq-list {
    gap: 8px;
  }

  .faq-item {
    gap: 8px;
    padding: 18px;
  }

  .faq-item h3 {
    font-size: 18px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .consultation-tabs [role="tab"],
  .service-card,
  .residential-topic,
  .guide-card,
  .intent-card {
    transition: none;
  }
}
*/

/* Shared presentation for service-area landing pages. */
.service-area-page .detail-content {
  width: min(1160px, calc(100% - 40px));
}

.service-area-page .detail-content > .content-block {
  max-width: 900px;
  margin-right: auto;
  margin-left: 0;
}

.service-area-page .local-content,
.service-area-page .local-resource-section,
.service-area-page .local-nearby-section {
  background: transparent;
}

.local-resource-list,
.local-nearby-list {
  margin: 0;
  padding: 0;
  list-style: none;
}

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

.local-resource-list li {
  display: flex;
  flex-direction: column;
  gap: 12px;
  padding: 24px;
  border: 1px solid var(--line);
  background: #fff;
  overflow: hidden;
}

.local-resource-image {
  display: block;
  width: calc(100% + 48px);
  max-width: none;
  height: auto;
  aspect-ratio: 16 / 9;
  margin: -24px -24px 6px;
  align-self: center;
  object-fit: cover;
  object-position: 50% 50%;
}

.local-resource-list .inline-link {
  width: fit-content;
}

.local-resource-list span {
  color: var(--muted);
  line-height: 1.65;
}

.local-nearby-list {
  display: flex;
  flex-wrap: wrap;
  gap: 12px 24px;
}

.local-nearby-list li {
  min-width: 200px;
}

.local-backlink {
  margin-top: 30px;
}

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

.local-link-grid {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.local-area-card {
  display: flex;
  min-height: 100%;
  flex-direction: column;
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 6px;
  background: #fff;
  color: inherit;
  text-decoration: none;
  transition: border-color 160ms ease, box-shadow 160ms ease, transform 160ms ease;
}

.local-area-card:hover {
  border-color: rgba(201, 167, 74, 0.72);
  box-shadow: 0 14px 34px rgba(24, 32, 74, 0.1);
  transform: translateY(-2px);
}

.local-area-card:focus-visible {
  outline: 3px solid rgba(201, 167, 74, 0.72);
  outline-offset: 4px;
}

.local-area-card h3 {
  font-size: 25px;
}

.local-area-card p {
  margin: 14px 0 0;
  color: var(--muted);
}

.local-area-card .card-cta {
  width: fit-content;
  margin-top: auto;
  padding-top: 20px;
  color: var(--navy);
  font-weight: 800;
  text-decoration: underline;
  text-decoration-color: var(--gold);
  text-underline-offset: 4px;
}

.local-faq-list .faq-item {
  grid-template-columns: minmax(240px, 0.75fr) minmax(0, 1.25fr);
}

.local-cta {
  margin-top: 0;
}

/* Service-area layout refinements: keep the hero, content and supporting sections on one rail. */
.service-area-page section:not(.page-hero) {
  padding: 46px 0;
}

.service-area-page .detail-content > .content-block,
.service-area-page .local-content > .content-block {
  max-width: 900px;
  margin-right: auto;
  margin-left: 0;
}

.service-area-page .page-hero .breadcrumbs {
  margin-bottom: 22px;
}

.service-area-page .page-hero .hub-search-form label {
  color: #fff;
}

.service-area-page .local-toc {
  margin: 0 0 10px;
}

.service-area-page .local-toc a {
  min-height: 44px;
  align-items: center;
}

.service-area-page [id] {
  scroll-margin-top: 110px;
}

.local-area-card-image {
  width: calc(100% + 48px);
  margin: -24px -24px 22px;
  aspect-ratio: 16 / 9;
  overflow: hidden;
  border-radius: 5px 5px 0 0;
  background: var(--panel);
}

.local-area-card-image img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.local-cta {
  grid-template-columns: minmax(0, 1.2fr) minmax(300px, 0.8fr);
  gap: 0;
  height: auto;
  min-height: 0;
  padding: 0;
  overflow: hidden;
  align-items: stretch;
}

.local-cta-copy,
.local-cta > div:first-child {
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 32px;
}

.local-cta-media {
  position: relative;
  min-width: 0;
  min-height: 0;
  margin: 0;
  overflow: hidden;
}

.local-cta-media img {
  position: absolute;
  inset: 0;
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center center;
}

@media (max-width: 1100px) {
  .local-link-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 900px) {
  .local-resource-list,
  .local-area-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 720px) {
  .service-area-page section:not(.page-hero) {
    padding: 34px 0;
  }

  .service-area-page .detail-content {
    width: calc(100% - 28px);
  }

  .local-resource-list,
  .local-area-grid,
  .local-link-grid {
    grid-template-columns: 1fr;
  }

  .local-faq-list .faq-item {
    grid-template-columns: 1fr;
    gap: 12px;
  }

  .local-nearby-list {
    display: grid;
    grid-template-columns: 1fr;
  }

  .local-cta {
    grid-template-columns: 1fr;
    height: auto;
    min-height: 0;
  }

  .local-cta-media {
    height: 200px;
    order: -1;
  }

  .local-cta-media img {
    min-height: 0;
    max-height: none;
  }

  .local-cta-copy,
  .local-cta > div:first-child {
    padding: 24px;
  }
}

@media (min-width: 721px) and (max-width: 900px) {
  .local-cta {
    height: auto;
    min-height: 0;
  }
}

/* Secondary actions on dark CTA panels need light contrast. */
.guide-cta .button.secondary,
.legal-cta .button.secondary {
  border-color: rgba(255, 255, 255, 0.72);
  background: transparent;
  color: #fff;
}

.guide-cta .button.secondary:hover,
.guide-cta .button.secondary:focus-visible,
.legal-cta .button.secondary:hover,
.legal-cta .button.secondary:focus-visible {
  border-color: #fff;
  background: rgba(255, 255, 255, 0.12);
  color: #fff;
}

.button.gold {
  border-color: var(--gold);
  background: var(--gold);
  color: var(--navy);
}

/* Stage 3: contextual hand-offs from useful content into the guided journeys. */
.contextual-journey-section {
  padding: clamp(3.25rem, 7vw, 5.5rem) 0;
  background: #f6f7fb;
}

.contextual-journey-section .section-heading {
  max-width: 780px;
  margin-bottom: 1.75rem;
}

.contextual-journey-section .section-heading > p:last-child {
  max-width: 56ch;
}

.contextual-journey-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
}

.contextual-journey-card {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr) auto;
  align-items: center;
  gap: 1rem;
  min-height: 112px;
  padding: 1.15rem 1.25rem;
  color: var(--navy);
  background: #fff;
  border: 1px solid rgba(24, 32, 74, .14);
  border-radius: 16px;
  box-shadow: 0 10px 30px rgba(24, 32, 74, .06);
  text-decoration: none;
  transition: border-color .18s ease, box-shadow .18s ease, transform .18s ease;
}

.contextual-journey-card:hover,
.contextual-journey-card:focus-visible {
  color: var(--navy);
  border-color: var(--gold);
  box-shadow: 0 14px 34px rgba(24, 32, 74, .11);
  transform: translateY(-2px);
}

.contextual-journey-card:focus-visible {
  outline: 3px solid rgba(201, 167, 74, .45);
  outline-offset: 3px;
}

.contextual-journey-icon {
  display: grid;
  place-items: center;
  width: 46px;
  height: 46px;
  color: var(--navy);
  background: rgba(201, 167, 74, .14);
  border-radius: 13px;
}

.contextual-journey-icon svg {
  width: 24px;
  height: 24px;
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 1.7;
}

.contextual-journey-copy {
  display: grid;
  gap: .25rem;
}

.contextual-journey-copy strong {
  font-size: 1.02rem;
  line-height: 1.25;
}

.contextual-journey-copy small {
  color: var(--muted);
  font-size: .9rem;
  line-height: 1.45;
}

.contextual-journey-link {
  color: var(--navy);
  font-size: .88rem;
  font-weight: 700;
  white-space: nowrap;
}

.contextual-journey-link::after {
  content: " →";
  color: var(--gold-dark, #9d7c22);
}

@media (max-width: 760px) {
  .contextual-journey-grid {
    grid-template-columns: 1fr;
  }

  .contextual-journey-card {
    min-height: 96px;
    grid-template-columns: auto minmax(0, 1fr);
    gap: .85rem;
    padding: 1rem;
  }

  .contextual-journey-link {
    grid-column: 2;
    margin-top: -.2rem;
  }
}

@media (prefers-reduced-motion: reduce) {
  .contextual-journey-card {
    transition: none;
  }

  .contextual-journey-card:hover,
  .contextual-journey-card:focus-visible {
    transform: none;
  }
}

.phone-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  min-height: 46px;
  padding: 12px 16px;
  border: 1px solid var(--gold);
  border-radius: 4px;
  background: var(--gold);
  color: var(--navy);
  font-weight: 900;
}

.icon {
  width: 18px;
  height: 18px;
  flex: 0 0 auto;
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 1.8;
}

.action-icon {
  width: 18px;
  height: 18px;
  flex: 0 0 auto;
  fill: currentColor;
  stroke: none;
}

.email-cta {
  gap: 9px;
}

.email-label-mobile {
  display: none;
}

.nav-links .phone-link,
.mobile-menu .phone-link {
  border-bottom: 0;
}

.mobile-menu {
  display: none;
}

.hero {
  position: relative;
  overflow: hidden;
  padding: 42px 0 28px;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.7fr;
  align-items: center;
  gap: 42px;
}

.eyebrow {
  margin: 0 0 18px;
  color: var(--dark-gold);
  font-size: 13px;
  font-weight: 900;
  letter-spacing: 0;
}

h1,
h2,
h3 {
  margin: 0;
  color: var(--navy);
  font-family: Georgia, "Times New Roman", serif;
  font-weight: 700;
  line-height: 1.08;
  letter-spacing: 0;
}

h1 {
  max-width: 770px;
  font-size: 62px;
}

h2 {
  font-size: 50px;
}

h3 {
  font-size: 24px;
}

.lead {
  max-width: 650px;
  margin: 18px 0 0;
  color: #3f475e;
  font-size: 19px;
}

.hero-actions,
.section-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 26px;
}

.hero-actions {
  flex-wrap: nowrap;
  gap: 10px;
}

.hero-actions .button {
  flex: 0 0 auto;
  padding-right: 16px;
  padding-left: 16px;
  white-space: nowrap;
}

.hero-intent {
  max-width: 700px;
  margin-top: 30px;
}

.hero-intent-heading {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(220px, 0.8fr);
  align-items: end;
  gap: 10px 22px;
}

.hero-intent-heading .eyebrow {
  grid-column: 1 / -1;
  margin-bottom: 0;
}

.hero-intent-heading h2 {
  margin: 0;
  font-family: Georgia, 'Times New Roman', serif;
  font-size: clamp(25px, 2.5vw, 34px);
  line-height: 1.05;
}

.hero-intent-heading p:last-child {
  margin: 0;
  color: var(--muted);
  font-size: 14px;
  line-height: 1.5;
}

.hero-intent-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  margin-top: 16px;
}

.hero-intent-card {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr) auto;
  align-items: center;
  gap: 12px;
  min-height: 76px;
  padding: 12px 14px;
  border: 1px solid rgba(24, 32, 74, 0.18);
  border-radius: 6px;
  background: rgba(255, 255, 255, 0.82);
  color: var(--navy);
  box-shadow: 0 8px 20px rgba(24, 32, 74, 0.05);
  transition: border-color 160ms ease, box-shadow 160ms ease, transform 160ms ease;
}

.hero-intent-card:hover,
.hero-intent-card:focus-visible {
  border-color: rgba(201, 167, 74, 0.95);
  box-shadow: 0 12px 26px rgba(24, 32, 74, 0.11);
  transform: translateY(-2px);
}

.hero-intent-icon {
  display: inline-grid;
  place-items: center;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: rgba(201, 167, 74, 0.16);
  color: var(--navy);
}

.hero-intent-icon svg {
  width: 23px;
  height: 23px;
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 2.2;
}

.hero-intent-copy {
  display: grid;
  gap: 3px;
  min-width: 0;
}

.hero-intent-copy strong {
  font-size: 14px;
  line-height: 1.25;
}

.hero-intent-copy small {
  color: var(--muted);
  font-size: 12px;
  line-height: 1.35;
}

.hero-intent-arrow {
  color: var(--dark-gold);
  font-size: 20px;
  line-height: 1;
}

.hero-email-link {
  display: inline-flex;
  min-height: 44px;
  align-items: center;
  margin-top: 8px;
  color: var(--muted);
  font-size: 13px;
  font-weight: 800;
  text-decoration: underline;
  text-decoration-color: rgba(201, 167, 74, 0.8);
  text-underline-offset: 4px;
}

.trust-section {
  padding: 58px 0;
  background: #f3f4f1;
}

.trust-section .section-heading {
  margin-bottom: 26px;
}

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

.trust-card,
.credential-card {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr);
  align-items: start;
  gap: 12px;
  min-height: 112px;
  padding: 18px;
  border: 1px solid rgba(24, 32, 74, 0.14);
  border-radius: 7px;
  background: #fff;
}

.credential-card {
  min-height: 0;
}

.trust-icon {
  display: inline-grid;
  place-items: center;
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: rgba(201, 167, 74, 0.16);
  color: var(--navy);
  font-size: 18px;
  font-weight: 900;
}

.trust-icon svg,
.trust-badge svg {
  width: 18px;
  height: 18px;
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 1.8;
}

.trust-card h3,
.credential-card h3 {
  margin: 0 0 5px;
  font-size: 16px;
}

.trust-card p,
.credential-card p {
  margin: 0;
  color: var(--muted);
  font-size: 13px;
  line-height: 1.5;
}

.lender-preview {
  display: grid;
  grid-template-columns: minmax(220px, 0.75fr) minmax(0, 1.6fr) auto;
  align-items: center;
  gap: 22px;
  margin-top: 22px;
  padding: 20px 22px;
  border: 1px solid rgba(201, 167, 74, 0.5);
  border-radius: 7px;
  background: #fff;
}

.lender-preview .eyebrow {
  margin-bottom: 7px;
}

.lender-preview h3 {
  margin: 0;
  font-size: 17px;
}

.lender-preview-list {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.lender-preview-list span,
.trust-badge {
  display: inline-flex;
  min-height: 34px;
  align-items: center;
  padding: 7px 10px;
  border: 1px solid rgba(24, 32, 74, 0.14);
  border-radius: 999px;
  color: var(--navy);
  font-size: 12px;
  font-weight: 800;
  white-space: nowrap;
}

.accreditation-section {
  background: #fff;
}

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

.lender-panel {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
  margin-top: 22px;
}

.lender-group {
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: 7px;
  background: #fafaf8;
}

.lender-group h3 {
  margin: 0 0 14px;
  font-size: 17px;
}

.lender-list {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 8px 18px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.lender-list li {
  position: relative;
  padding-left: 14px;
  color: var(--muted);
  font-size: 13px;
  line-height: 1.4;
}

.lender-list li::before {
  position: absolute;
  top: 0.55em;
  left: 0;
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: var(--gold);
  content: '';
}

.trust-disclaimer {
  max-width: 850px;
  margin: 20px 0 0;
  color: var(--muted);
  font-size: 12px;
  line-height: 1.5;
}

.trust-handoff {
  padding: 42px 0;
  background: #f3f4f1;
}

.trust-handoff-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.trust-handoff h2 {
  margin: 0 0 10px;
  font-size: clamp(26px, 3vw, 38px);
}

.trust-handoff p:last-child {
  max-width: 760px;
  margin: 0;
  color: var(--muted);
}

.trust-badge {
  border-color: rgba(201, 167, 74, 0.65);
  background: #fff;
}

.trust-badge {
  gap: 7px;
}

.hero-media {
  position: relative;
  min-height: 330px;
}

.hero-photo {
  position: absolute;
  inset: 0 0 36px 38px;
  overflow: hidden;
  border-radius: 0;
  box-shadow: var(--shadow);
}

.hero-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.insight-card {
  position: absolute;
  left: 0;
  bottom: 0;
  width: min(340px, 78%);
  padding: 22px;
  border: 1px solid rgba(201, 167, 74, 0.45);
  background: var(--navy);
  color: #fff;
}

.insight-card strong {
  display: block;
  margin-bottom: 8px;
  color: var(--gold);
  font-size: 13px;
}

.trust-bar {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  margin-top: 30px;
  border: 1px solid var(--line);
  background: var(--line);
}

.trust-item {
  position: relative;
  min-height: 104px;
  padding: 22px;
  background: #fff;
}

.trust-item b {
  display: block;
  color: var(--navy);
}

.trust-item span {
  display: block;
  margin-top: 4px;
  color: var(--muted);
  font-size: 14px;
}

section {
  background: var(--white);
  color: var(--ink);
  position: relative;
  padding: 72px 0;
}

.section-heading {
  display: block;
  width: 100%;
  margin-bottom: 36px;
}

.section-heading h2 {
  max-width: 100%;
}

.section-heading p {
  max-width: 100%;
  margin: 18px 0 0;
  color: var(--muted);
}

.service-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.service-card,
.feature-card,
.choice-card,
.next-card,
.intent-card {
  border: 1px solid var(--line);
  border-radius: 6px;
  background: #fff;
}

.service-card {
  display: block;
  overflow: hidden;
  color: inherit;
}

.service-card:hover {
  border-color: rgba(201, 167, 74, 0.72);
  box-shadow: 0 14px 34px rgba(24, 32, 74, 0.1);
}

.service-card img {
  width: 100%;
  height: 230px;
  object-fit: cover;
}

.service-content {
  padding: 28px;
}

.intent-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 22px; }
.intent-card { display: block; min-height: 230px; padding: 30px; color: inherit; }
.intent-card:hover, .intent-card:focus-visible { border-color: rgba(201,167,74,.72); box-shadow: 0 14px 34px rgba(24,32,74,.1); }
.intent-card h3 { margin-top: 18px; }
.intent-card p { max-width: 520px; color: var(--muted); }
.intent-number { display: block; color: var(--dark-gold); font-family: Georgia, serif; font-size: 34px; }

.service-card .card-cta {
  display: inline-block;
  width: fit-content;
  margin-top: 20px;
  color: var(--navy);
  font-weight: 800;
  text-decoration: underline;
  text-decoration-color: var(--gold);
  text-underline-offset: 4px;
}

.service-links {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 18px;
}

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

.video-section {
  padding: 0;
}

.video-embed {
  width: 100%;
  aspect-ratio: 16 / 9;
  overflow: hidden;
  background: var(--navy);
  box-shadow: var(--shadow);
}

.video-embed iframe {
  display: block;
  width: 100%;
  height: 100%;
  border: 0;
}

.text-link {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  margin-top: 10px;
  color: var(--navy);
  font-weight: 900;
  border-bottom: 1px solid var(--gold);
}

.dark-section {
  background: var(--white);
  color: var(--ink);
  position: relative;
  overflow: hidden;
  background: var(--navy);
  color: #fff;
}

.dark-section h2,
.dark-section h3 {
  color: #fff;
}

.dark-section .eyebrow,
.dark-section .number {
  color: var(--gold);
}

.dark-section p {
  color: rgba(255, 255, 255, 0.76);
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  margin-top: 34px;
  background: rgba(255, 255, 255, 0.2);
}

.process-step {
  min-height: 230px;
  padding: 30px;
  background: #1d275b;
}

.number {
  display: block;
  margin-bottom: 28px;
  font-family: Georgia, serif;
  font-size: 42px;
}

.advisory {
  display: grid;
  grid-template-columns: 0.92fr 1fr;
  gap: 58px;
  align-items: center;
}

.advisory img {
  width: 100%;
  aspect-ratio: 4 / 3;
  object-fit: cover;
  box-shadow: var(--shadow);
}

.feature-list {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
  margin-top: 26px;
}

.feature-card {
  padding: 20px;
}

.feature-card h3 {
  font-size: 20px;
}

.choice-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}

.choice-card {
  position: relative;
  min-height: 260px;
  padding: 28px;
  overflow: hidden;
}

.choice-card .number {
  margin-bottom: 18px;
  color: var(--dark-gold);
  font-size: 34px;
}

.choice-card p,
.next-card p {
  color: var(--muted);
}

.human-panel {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  overflow: hidden;
  border: 1px solid var(--line);
  background: #fff;
  box-shadow: var(--shadow);
}

.human-panel img {
  width: 100%;
  height: 100%;
  min-height: 420px;
  object-fit: cover;
}

.human-copy {
  padding: 44px;
}

.cta-panel {
  position: relative;
  display: grid;
  grid-template-columns: 0.85fr 1fr;
  gap: 40px;
  align-items: start;
  padding: 46px;
  border: 1px solid var(--line);
  background: #fff;
  box-shadow: var(--shadow);
}

.consultation-shell {
  grid-template-columns: minmax(250px, 0.72fr) minmax(0, 1.28fr);
}

.consultation-interface {
  min-width: 0;
}

.consultation-tabs {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
  margin-bottom: 20px;
}

.consultation-tabs [role="tab"] {
  display: grid;
  min-height: 70px;
  gap: 5px;
  padding: 14px 16px;
  border: 1px solid var(--line);
  border-radius: 4px;
  background: #fff;
  color: var(--navy);
  font-weight: 900;
  text-align: left;
}

.consultation-tabs [role="tab"] span {
  color: var(--muted);
  font-size: 12px;
  font-weight: 500;
  line-height: 1.35;
}

.consultation-tabs [role="tab"][aria-selected="true"] {
  border-color: var(--navy);
  background: var(--navy);
  color: #fff;
  box-shadow: 0 0 0 2px rgba(201, 167, 74, 0.28);
}

.consultation-tabs [role="tab"][aria-selected="true"] span {
  color: rgba(255, 255, 255, 0.82);
}

.consultation-panel[hidden] {
  display: none;
}

.consultation-panel {
  min-width: 0;
  padding: 22px;
  border: 1px solid var(--line);
  background: #fff;
}

.panel-eyebrow {
  margin: 0 0 8px;
  color: var(--dark-gold);
  font-size: 13px;
  font-weight: 900;
}

.consultation-panel > p:not(.panel-eyebrow) {
  margin: 0 0 16px;
  color: var(--muted);
}

.inline-booking {
  min-width: 0;
}

.inline-booking iframe {
  display: block;
  width: 100%;
  height: 680px;
  min-height: 680px;
  border: 1px solid var(--line);
  border-radius: 4px;
  background: #fff;
}

.contact-list {
  margin-top: 28px;
  padding: 0;
  list-style: none;
}

.contact-list li {
  padding: 14px 0;
  border-bottom: 1px solid var(--line);
}

.contact-list b {
  display: block;
  color: var(--navy);
}

form {
  background: transparent;
  color: var(--ink);
  display: grid;
  width: 100%;
  min-width: 0;
  gap: 14px;
  scroll-margin: 110px 0;
}

.form-honeypot {
  position: absolute;
  left: -10000px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

.consultation-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

.consultation-type {
  display: grid;
  gap: 8px;
  min-width: 0;
  margin: 0;
  padding: 0;
  border: 0;
}

.consultation-type legend,
.booking-field > label {
  color: var(--navy);
  font-size: 13px;
  font-weight: 900;
}

.is-hidden {
  display: none !important;
}

.consultation-type {
  position: relative;
}

.consultation-select {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  gap: 9px;
  width: 100%;
  min-height: 48px;
  padding: 10px 12px;
  border: 1px solid rgba(24, 32, 74, 0.22);
  border-radius: 4px;
  background: var(--white);
  color: var(--navy);
  font-weight: 800;
  text-align: left;
}

.consultation-select:hover {
  border-color: var(--gold);
  background: rgba(201, 167, 74, 0.08);
}

.consultation-chevron {
  width: 16px;
  height: 16px;
  margin-left: auto;
}

.consultation-options {
  position: absolute;
  right: 0;
  left: 0;
  z-index: 4;
  display: grid;
  gap: 4px;
  margin-top: 4px;
  padding: 5px;
  border: 1px solid rgba(24, 32, 74, 0.28);
  border-radius: 4px;
  background: var(--white);
  box-shadow: var(--shadow);
}

.consultation-options[hidden] {
  display: none;
}

.consultation-options [role="option"] {
  display: flex;
  align-items: center;
  gap: 9px;
  width: 100%;
  min-height: 44px;
  padding: 9px 10px;
  border: 0;
  border-radius: 3px;
  background: transparent;
  color: var(--navy);
  font-weight: 800;
  text-align: left;
}

.consultation-options [role="option"]:hover,
.consultation-options [role="option"]:focus-visible,
.consultation-options [role="option"][aria-selected="true"] {
  background: rgba(201, 167, 74, 0.16);
}

.consultation-option {
  display: flex;
  align-items: center;
  gap: 9px;
  min-height: 48px;
  padding: 10px 12px;
  border: 1px solid rgba(24, 32, 74, 0.22);
  border-radius: 4px;
  background: var(--white);
  color: var(--navy);
  cursor: pointer;
}

.consultation-option:has(input:checked) {
  border-color: var(--navy);
  box-shadow: 0 0 0 2px rgba(201, 167, 74, 0.28);
}

.consultation-option input {
  width: 18px;
  min-height: 18px;
  margin: 0;
  accent-color: var(--navy);
}

.booking-field {
  display: grid;
  align-content: start;
  gap: 7px;
}

.booking-launch {
  justify-content: flex-start;
  width: 100%;
  min-height: 48px;
  padding: 12px 14px;
  border-color: rgba(24, 32, 74, 0.22);
  background: var(--white);
  color: var(--navy);
  font-weight: 500;
  text-align: left;
}

.booking-launch:hover {
  border-color: var(--gold);
  background: rgba(201, 167, 74, 0.08);
}

label {
  display: grid;
  gap: 7px;
  color: var(--navy);
  font-size: 13px;
  font-weight: 900;
}

input,
select,
textarea {
  min-width: 0;
  width: 100%;
  min-height: 48px;
  padding: 12px 14px;
  border: 1px solid rgba(24, 32, 74, 0.22);
  border-radius: 4px;
  background: var(--white);
  color: var(--ink);
  color-scheme: light;
  font: inherit;
}

input::placeholder,
textarea::placeholder {
  color: #667085;
  opacity: 1;
}

select option {
  background: var(--white);
  color: var(--ink);
}

textarea {
  min-height: 130px;
  resize: vertical;
}

.booking-dialog {
  width: min(92vw, 1120px);
  max-width: 1120px;
  max-height: calc(100dvh - 32px);
  overflow: hidden;
  padding: 0;
  border: 1px solid var(--line);
  border-radius: 6px;
  color: var(--ink);
  box-shadow: var(--shadow);
}

.booking-dialog::backdrop {
  background: rgba(24, 32, 74, 0.48);
}

.booking-dialog-header {
  display: flex;
  align-items: start;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 24px;
  border-bottom: 1px solid var(--line);
}

.booking-dialog-header > div {
  min-width: 0;
}

.booking-dialog-header h2 {
  margin-bottom: 0;
  font-size: 30px;
}

.booking-dialog-close {
  min-width: 44px;
  min-height: 44px;
  padding: 8px;
  background: transparent;
  color: var(--navy);
  font-size: 28px;
  line-height: 1;
}

.booking-dialog-close:hover {
  background: rgba(201, 167, 74, 0.08);
  color: var(--navy);
}

.booking-dialog-close .icon {
  width: 20px;
  height: 20px;
}

.booking-dialog-body {
  min-height: 180px;
  max-height: calc(100dvh - 128px);
  overflow: auto;
  padding: 14px 18px 18px;
}

.booking-timezone-note {
  margin: 0 0 10px;
  color: var(--muted);
  font-size: .82rem;
}

.booking-frame-viewport {
  height: min(640px, calc(100dvh - 190px));
  overflow: auto;
  border: 1px solid var(--line);
  border-radius: 5px;
  background: #fff;
}

.booking-frame {
  display: block;
  width: 100%;
  height: 640px;
  min-height: 640px;
  border: 0;
}

.page-hero {
  padding: 86px 0 56px;
  background-image:
    linear-gradient(90deg, rgba(24, 32, 74, 0.9), rgba(24, 32, 74, 0.68)),
    var(--page-image);
  background-position: center;
  background-size: cover;
  color: #fff;
}

.faq-hero {
  min-height: 420px;
  display: flex;
  align-items: center;
}

.faq-group {
  margin-top: 46px;
}

.faq-group > h2 {
  margin-bottom: 20px;
  color: var(--navy);
}

.page-hero .container {
  position: relative;
}

.page-hero h1,
.page-hero .eyebrow {
  color: #fff;
}

.page-hero .lead {
  color: rgba(255, 255, 255, 0.82);
}

.page-hero .button.secondary {
  border-color: rgba(255, 255, 255, 0.42);
  color: #fff;
}

.page-hero .button.secondary:hover {
  border-color: var(--gold);
  background: rgba(255, 255, 255, 0.08);
}

.not-found-page .page-hero {
  background-color: var(--navy);
  background-image:
    linear-gradient(135deg, rgba(24, 32, 74, 0.98), rgba(24, 32, 74, 0.88)),
    var(--page-image, none);
}

.not-found-page .page-hero .button {
  border-color: var(--gold);
  background: var(--gold);
  color: var(--navy);
}

.not-found-page .page-hero .button:hover,
.not-found-page .page-hero .button:focus-visible {
  border-color: #e0c56b;
  background: #e0c56b;
}

.not-found-page .page-hero .button.secondary {
  border-color: rgba(255, 255, 255, 0.72);
  background: transparent;
  color: #fff;
}

.not-found-page .page-hero .button.secondary:hover,
.not-found-page .page-hero .button.secondary:focus-visible {
  border-color: #fff;
  background: rgba(255, 255, 255, 0.12);
  color: #fff;
}

.content-block {
  margin-bottom: 32px;
}

.content-block p,
.content-block li {
  color: var(--muted);
}

.content-block ul {
  padding-left: 20px;
}

.inline-link {
  border-bottom: 1px solid var(--gold);
  color: var(--navy);
  font-weight: 800;
}

.residential-topic-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 20px;
}

.lending-topic-grid--three {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.residential-topic {
  display: flex;
  min-height: 100%;
  flex-direction: column;
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: 6px;
  background: #fff;
  color: inherit;
  text-decoration: none;
  transition: border-color 160ms ease, box-shadow 160ms ease, transform 160ms ease;
}

.residential-topic:hover {
  border-color: rgba(201, 167, 74, 0.72);
  box-shadow: 0 14px 34px rgba(24, 32, 74, 0.1);
  transform: translateY(-2px);
}

.residential-topic:focus-visible {
  outline: 3px solid rgba(201, 167, 74, 0.72);
  outline-offset: 4px;
}

.residential-topic img {
  display: block;
  width: calc(100% + 56px);
  max-width: none;
  aspect-ratio: 16 / 9;
  margin: -28px -28px 22px;
  border-radius: 5px 5px 0 0;
  object-fit: cover;
}

.residential-topic h2 {
  margin-bottom: 14px;
  font-size: 34px;
}

.residential-topic p,
.related-lending p,
.residential-documents > p {
  color: var(--muted);
}

.residential-topic p {
  margin: 0;
}

.residential-topic .text-link {
  display: inline-block;
  width: fit-content;
  align-self: flex-start;
  margin-top: auto;
  padding-top: 20px;
  color: var(--navy);
  font-weight: 800;
  border-bottom: 0;
  text-decoration: underline;
  text-decoration-color: var(--gold);
  text-underline-offset: 4px;
}

.residential-topic p + p {
  margin-top: 14px;
}

.related-lending {
  padding-top: 24px;
  border-top: 1px solid var(--line);
}

.residential-checklist-signpost {
  padding: 30px 32px;
  border-left: 4px solid var(--gold);
  background: var(--wash);
}

.residential-checklist-signpost p:not(.eyebrow) {
  max-width: 820px;
  color: var(--muted);
}

.residential-checklist-signpost .button {
  margin-top: 8px;
}

.homepage-enquiry-steps {
  padding-top: 44px;
}

.residential-process {
  grid-template-columns: repeat(5, minmax(0, 1fr));
}

.residential-documents h2 {
  margin-bottom: 18px;
}

.document-list {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0 34px;
  margin: 26px 0;
  padding: 0;
  list-style: none;
}

.document-list li {
  padding: 13px 0;
  border-bottom: 1px solid var(--line);
  color: var(--ink);
  font-weight: 700;
}

.residential-final-cta {
  align-items: stretch;
}

.faq-list {
  border-top: 1px solid var(--line);
}

.faq-item {
  display: grid;
  grid-template-columns: minmax(260px, 0.8fr) minmax(0, 1.2fr);
  gap: 40px;
  padding: 26px 0;
  border-bottom: 1px solid var(--line);
}

.faq-item h3 {
  margin: 0;
  font-size: 24px;
  line-height: 1.25;
}

.faq-item p {
  margin: 0;
  color: var(--muted);
}

.faq-item p + p {
  margin-top: 10px;
}

.legal-page .lead {
  margin-bottom: 34px;
}

.legal-content,
.detail-content {
  width: min(900px, calc(100% - 40px));
}

/* Shared structural rail for About and legal pages. Prose stays readable inside it. */
.about-page .page-hero > .container,
.about-page .detail-content,
.about-page .human-panel,
.legal-page > section > .legal-content,
.legal-page > section.legal-cta {
  width: min(1100px, calc(100% - 40px));
}

.legal-page > section > .legal-content > div {
  width: min(100%, 920px);
}

@media (max-width: 720px) {
  .about-page .page-hero > .container,
  .about-page .detail-content,
  .about-page .human-panel,
  .legal-page > section > .legal-content,
  .legal-page > section.legal-cta {
    width: calc(100% - 28px);
  }

  .legal-page > section > .legal-content > div {
    width: 100%;
  }
}

.legal-page .content-block h2 {
  margin: 34px 0 12px;
  font-size: 30px;
}

.legal-page .content-block h3 {
  margin: 24px 0 10px;
  font-size: 21px;
}

.legal-page .content-block p,
.legal-page .content-block li {
  line-height: 1.75;
}

.legal-page .content-block li + li {
  margin-top: 8px;
}

.legal-meta {
  margin-top: 12px;
  color: var(--muted);
  font-size: 14px;
}

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

.next-card {
  padding: 26px;
}

.dark-section .next-card h3 {
  color: var(--navy);
}

.next-card .number {
  margin-bottom: 16px;
  color: var(--dark-gold);
  font-size: 32px;
}

.site-footer {
  padding: 44px 0;
  background: #111739;
  color: #fff;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.9fr 0.9fr 1fr;
  gap: 34px;
}

.site-footer .brand {
  align-items: flex-start;
  gap: 14px;
  font-size: 17px;
  font-weight: 700;
  line-height: 1.35;
}

.site-footer .brand > span:last-child {
  padding-top: 1px;
}

.site-footer .brand small {
  margin-top: 2px;
  color: #fff;
  font-size: 12px;
  line-height: 1.4;
}

.footer-phone {
  display: inline-flex;
  margin-top: 14px;
  color: var(--gold);
  font-size: 17px;
  font-weight: 900;
}

.contact-list .footer-phone {
  color: var(--navy);
  font-size: 24px;
}

.footer-email {
  color: #fff;
  font-weight: 400;
}

.form-status {
  min-height: 24px;
  margin: 2px 0 0;
  color: var(--muted);
  font-size: 14px;
}

.form-status[data-state="success"] {
  color: #0f766e;
}

.form-status[data-state="error"] {
  color: #b42318;
}

button:disabled {
  cursor: not-allowed;
  opacity: 0.65;
}

.mobile-action-bar {
  display: none;
}

.breadcrumbs {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 28px;
  color: rgba(255, 255, 255, 0.86);
  font-size: 14px;
}

.breadcrumbs a {
  border-bottom: 1px solid rgba(201, 167, 74, 0.8);
}

.guide-hero .lead {
  max-width: 760px;
}

.guide-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 20px;
}

.guide-card {
  display: flex;
  min-height: 310px;
  flex-direction: column;
  align-items: flex-start;
  padding: 32px;
  border: 1px solid var(--line);
  border-radius: 6px;
  background: #fff;
  color: inherit;
  text-decoration: none;
  transition: border-color 160ms ease, box-shadow 160ms ease, transform 160ms ease;
}

.guide-card:hover {
  border-color: rgba(201, 167, 74, 0.72);
  box-shadow: 0 14px 34px rgba(24, 32, 74, 0.1);
  transform: translateY(-2px);
}

.guide-card h2 {
  margin-bottom: 16px;
  font-size: 32px;
}

.guide-card p {
  margin: 0;
  color: var(--muted);
}

.guide-card .text-link {
  margin-top: auto;
  padding-top: 18px;
}

.articles-hub-grid {
  counter-reset: article-card;
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.articles-page .articles-hub-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 20px;
}

.articles-page .articles-hub-grid .guide-card-image {
  display: block;
  width: calc(100% + 56px);
  max-width: none;
  aspect-ratio: 16 / 9;
  margin: -28px -28px 22px;
  border-radius: 5px 5px 0 0;
  object-fit: cover;
}

.articles-hub-grid .guide-card {
  min-height: 250px;
  padding: 28px;
}

.articles-hub-grid .guide-card::before {
  counter-increment: article-card;
  content: counter(article-card, decimal-leading-zero);
  margin-bottom: 18px;
  color: var(--dark-gold);
  font-family: Georgia, serif;
  font-size: 28px;
}

.articles-page .articles-hub-grid .guide-card-image {
  order: 0;
}

.articles-page .articles-hub-grid .guide-card::before {
  order: 1;
  margin: 0 0 12px;
  padding-top: 0;
}

.articles-page .articles-hub-grid .guide-card > strong,
.articles-page .articles-hub-grid .guide-card > span,
.articles-page .articles-hub-grid .guide-card > em {
  order: 2;
}

.articles-hub-grid .guide-card strong,
main > article.guide-content .guide-card strong {
  display: block;
  color: var(--navy);
  font-size: 20px;
  line-height: 1.2;
}

.articles-hub-grid .guide-card span,
main > article.guide-content .guide-card span {
  display: block;
  margin-top: 12px;
  color: var(--muted);
  line-height: 1.55;
}

.articles-hub-grid .guide-card em {
  margin-top: auto;
  padding-top: 20px;
  color: var(--navy);
  font-style: normal;
  font-weight: 800;
  text-decoration: underline;
  text-decoration-color: var(--gold);
  text-underline-offset: 4px;
}

.guide-number {
  margin-bottom: 24px;
  color: var(--dark-gold);
  font-family: Georgia, serif;
  font-size: 34px;
}

.guide-context-section {
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  background: #fff;
}

.guides-page .guide-context-section {
  border-top: 0;
  border-bottom: 0;
  background: transparent;
}

/* Related content belongs to the page flow, with the cards carrying the visual weight. */
main > article.guide-content > .guide-context-section {
  border-top: 0;
  border-bottom: 0;
  background: transparent;
}

main > article.guide-content .guide-context-section .guide-card-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

main > article.guide-content .guide-context-section .guide-card-grid:has(> :only-child) {
  grid-template-columns: minmax(0, 360px);
}

main > article.guide-content .guide-context-section .guide-card-grid:has(> :nth-child(3):last-child) {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

main > article.guide-content .guide-context-section .guide-card-grid:has(> :nth-child(5):last-child) {
  grid-template-columns: repeat(6, minmax(0, 1fr));
}

main > article.guide-content .guide-context-section .guide-card-grid:has(> :nth-child(5):last-child) > .guide-card {
  grid-column: span 2;
}

main > article.guide-content .guide-context-section .guide-card-grid:has(> :nth-child(5):last-child) > .guide-card:nth-child(4) {
  grid-column: 2 / span 2;
}

main > article.guide-content .guide-context-section .guide-card-grid:has(> :nth-child(5):last-child) > .guide-card:nth-child(5) {
  grid-column: 4 / span 2;
}

.guide-context {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: 56px;
  align-items: start;
}

.guide-context p:not(.guide-disclaimer):not(.guide-note) {
  margin-top: 0;
  color: var(--muted);
}

.guide-disclaimer,
.guide-note {
  padding: 18px 20px;
  border-left: 3px solid var(--gold);
  background: rgba(201, 167, 74, 0.1);
  color: var(--ink);
}

.guide-layout {
  width: min(900px, calc(100% - 40px));
}

/* The application checklist needs a little more reading width than the general guide template. */
.application-checklist-page .guide-layout,
.application-checklist-page .guide-context-section > .container {
  width: min(1040px, calc(100% - 40px));
}

.application-checklist-page .guide-context-section {
  border-top: 0;
  border-bottom: 0;
  background: transparent;
}

.application-checklist-page .guide-card {
  min-height: 0;
}

.application-checklist-page .guide-card-image {
  display: block;
  width: calc(100% + 64px);
  max-width: none;
  aspect-ratio: 16 / 9;
  margin: -32px -32px 22px;
  border-radius: 5px 5px 0 0;
  object-fit: cover;
}

.application-checklist-page .guide-card .text-link {
  display: block;
  margin-top: auto;
  padding-top: 18px;
  color: var(--navy);
  font-weight: 800;
  text-decoration: underline;
  text-decoration-color: var(--gold);
  text-underline-offset: 4px;
}

.guide-intro {
  margin-bottom: 42px;
}

.guide-toc {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 20px;
  margin: 34px 0 48px;
  padding: 20px 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.guide-toc a {
  min-height: 44px;
  color: var(--navy);
  font-weight: 800;
  border-bottom: 1px solid var(--gold);
}

.guide-content .content-block {
  margin-bottom: 48px;
  scroll-margin-top: 110px;
}

.guide-content .content-block h2 {
  margin-bottom: 16px;
  font-size: 38px;
}

.guide-content .content-block h3 {
  margin: 26px 0 10px;
  font-size: 23px;
}

.guide-content .content-block p,
.guide-content .content-block li {
  color: var(--muted);
}

.guide-content .content-block li + li {
  margin-top: 10px;
}

.guide-checklist {
  margin: 20px 0 0;
  padding: 0;
  list-style: none;
}

.guide-checklist li {
  position: relative;
  padding: 14px 0 14px 34px;
  border-bottom: 1px solid var(--line);
}

.guide-checklist li::before {
  position: absolute;
  top: 16px;
  left: 0;
  width: 16px;
  height: 16px;
  border: 2px solid var(--gold);
  content: "";
}

.guide-cta {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 40px;
  align-items: center;
  padding: 42px;
  background: var(--navy);
  color: #fff;
}

.guide-cta h2,
.guide-cta p {
  color: #fff;
}

.guide-cta p {
  margin-bottom: 0;
}

.guide-cta .section-actions {
  margin-top: 0;
}

/* Article pages use the established guide rhythm without changing guide layouts. */
main > article.guide-content > p {
  margin-bottom: 20px;
}

main > article.guide-content > h2 {
  margin: 42px 0 16px;
}

main > article.guide-content > .guide-context-section {
  margin-top: 56px;
}

main > article.guide-content > .guide-cta {
  margin-top: 64px;
  margin-bottom: 64px;
}

main > article.guide-content > .guide-cta .button:not(.secondary) {
  background: var(--gold);
  color: var(--navy);
}

main > article.guide-content > .guide-context-section {
  padding: 42px 0;
}

main > article.guide-content .guide-context-section .guide-card-grid {
  gap: 16px;
}

main > article.guide-content .guide-context-section .guide-card {
  min-height: 0;
  padding: 24px;
}

main > article.guide-content .guide-context-section .guide-card span {
  margin-top: 14px;
  padding-top: 14px;
  border-top: 0;
  color: var(--navy);
  font-size: 14px;
  font-weight: 800;
  text-decoration: underline;
  text-decoration-color: var(--gold);
  text-underline-offset: 4px;
}

/* Deterministic related-card layouts are assigned by related-content.js. */
main > article.guide-content .guide-context-section .guide-card-grid.cards-1,
main > article.guide-content .guide-context-section .guide-grid.cards-1 {
  grid-template-columns: minmax(0, 360px);
}

main > article.guide-content .guide-context-section .guide-card-grid.cards-2,
main > article.guide-content .guide-context-section .guide-card-grid.cards-4,
main > article.guide-content .guide-context-section .guide-card-grid.cards-6,
main > article.guide-content .guide-context-section .guide-grid.cards-2,
main > article.guide-content .guide-context-section .guide-grid.cards-4,
main > article.guide-content .guide-context-section .guide-grid.cards-6 {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

main > article.guide-content .guide-context-section .guide-card-grid.cards-3,
main > article.guide-content .guide-context-section .guide-grid.cards-3 {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

main > article.guide-content .guide-context-section .guide-card-grid.cards-5,
main > article.guide-content .guide-context-section .guide-grid.cards-5 {
  grid-template-columns: repeat(6, minmax(0, 1fr));
}

main > article.guide-content .guide-context-section .guide-card-grid.cards-5 > .guide-card,
main > article.guide-content .guide-context-section .guide-grid.cards-5 > .guide-card {
  grid-column: span 2;
}

main > article.guide-content .guide-context-section .guide-card-grid.cards-5 > .guide-card:nth-child(4),
main > article.guide-content .guide-context-section .guide-grid.cards-5 > .guide-card:nth-child(4) {
  grid-column: 2 / span 2;
}

main > article.guide-content .guide-context-section .guide-card-grid.cards-5 > .guide-card:nth-child(5),
main > article.guide-content .guide-context-section .guide-grid.cards-5 > .guide-card:nth-child(5) {
  grid-column: 4 / span 2;
}

main > article.guide-content > .lead,
.guide-content > .lead,
.guide-content .guide-intro > .lead {
  width: 100%;
  max-width: none;
}

main > article.guide-content .guide-card-image {
  display: block;
  width: 100%;
  aspect-ratio: 16 / 9;
  margin: -24px -24px 22px;
  width: calc(100% + 48px);
  max-width: none;
  border-radius: 5px 5px 0 0;
  object-fit: cover;
}

.guide-context-section .guide-card-image {
  display: block;
  width: calc(100% + 48px);
  max-width: none;
  aspect-ratio: 16 / 9;
  margin: -24px -24px 22px;
  border-radius: 5px 5px 0 0;
  object-fit: cover;
}

.guides-page .guide-grid .guide-card-image {
  display: block;
  width: calc(100% + 64px);
  max-width: none;
  aspect-ratio: 16 / 9;
  margin: -32px -32px 22px;
  border-radius: 5px 5px 0 0;
  object-fit: cover;
}

@media (min-width: 721px) {
  .guide-context-section .guide-grid .guide-card-image {
    width: calc(100% + 64px);
    margin: -32px -32px 22px;
  }
}

.guide-context-section .guide-grid.cards-1 {
  grid-template-columns: minmax(0, 360px);
}

.guide-context-section .guide-grid.cards-2,
.guide-context-section .guide-grid.cards-4,
.guide-context-section .guide-grid.cards-6 {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.guide-context-section .guide-grid.cards-3 {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.article-practical-panel {
  margin: 34px 0 42px;
  padding: 26px 30px;
  border-left: 4px solid var(--gold);
  background: var(--wash);
}

.article-practical-panel h2 {
  margin: 0 0 14px;
  font-size: 28px;
}

.article-practical-panel ul {
  margin: 0;
  padding-left: 20px;
}

.article-practical-panel li + li {
  margin-top: 10px;
}

main > section.container.guide-cta {
  margin-bottom: 64px;
}

main > section.container.guide-cta .button:not(.secondary) {
  background: var(--gold);
  color: var(--navy);
}

.site-footer p,
.site-footer li,
.site-footer a,
.site-footer b,
.site-footer small,
.site-footer .disclosure {
  color: #fff;
}

.site-footer ul {
  margin: 0;
  padding: 0;
  list-style: none;
}

.site-footer li {
  margin: 8px 0;
}

.disclosure {
  margin-top: 30px;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.16);
  font-size: 13px;
}

@media (max-width: 1180px) {
  h1 {
    font-size: 52px;
  }

  h2 {
    font-size: 42px;
  }

  .nav-links {
    display: none;
  }

  .header-inner > nav {
    display: flex;
    flex-wrap: wrap;
    justify-content: flex-end;
    max-width: 230px;
    gap: 6px 10px;
    font-size: 11px;
    line-height: 1.2;
    white-space: normal;
  }

  .header-inner .mobile-menu {
    display: block;
  }

  .mobile-menu {
    display: block;
    color: var(--navy);
    font-weight: 800;
  }

  .mobile-menu summary {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 52px;
    min-height: 44px;
    padding: 8px 4px;
    cursor: pointer;
    list-style: none;
  }

  .mobile-menu summary::-webkit-details-marker {
    display: none;
  }

  .mobile-menu div {
    position: absolute;
    right: 20px;
    left: 20px;
    top: 100%;
    display: grid;
    gap: 6px;
    max-height: calc(100vh - 150px);
    max-height: calc(100dvh - 150px);
    padding: 12px 16px calc(24px + env(safe-area-inset-bottom));
    border: 1px solid var(--line);
    background: #fff;
    box-shadow: var(--shadow);
    overflow-y: auto;
    overflow-x: hidden;
    overscroll-behavior: contain;
  }

  body:has(details.mobile-menu[open]) {
    overflow: hidden;
  }

  .mobile-menu div > a {
    display: flex;
    align-items: center;
    min-height: 44px;
    padding: 8px 10px;
  }

  .mobile-menu div > .phone-link,
  .mobile-menu div > .button {
    width: 100%;
    min-height: 46px;
    box-sizing: border-box;
    justify-content: flex-start;
    gap: 8px;
    padding: 12px 16px;
    border-radius: 4px;
  }

  .hero-grid,
  .advisory,
  .cta-panel {
    grid-template-columns: 1fr;
  }

  .hero-media {
    min-height: 320px;
  }

  .trust-bar,
  .process-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .trust-grid,
  .credentials-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .lender-preview {
    grid-template-columns: 1fr;
  }

  .service-grid,
  .choice-grid,
  .footer-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .next-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

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

  .guide-context,
  .guide-cta {
    grid-template-columns: 1fr;
  }

  .guide-cta .section-actions {
    margin-top: 8px;
  }
}

@media (max-width: 1170px) {
  .hero-grid {
    grid-template-columns: 1fr;
  }

  .hero-media {
    min-height: 320px;
  }

  .hero-intent {
    max-width: none;
  }
}

@media (min-width: 721px) and (max-width: 1100px) {
  .lending-topic-grid--three {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .guide-context-section .guide-card-grid.cards-3,
  .guide-context-section .guide-grid.cards-3,
  .guide-context-section .guide-card-grid.cards-5,
  .guide-context-section .guide-grid.cards-5 {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .guide-context-section .guide-card-grid.cards-5 > .guide-card,
  .guide-context-section .guide-grid.cards-5 > .guide-card,
  .guide-context-section .guide-card-grid.cards-5 > .guide-card:nth-child(4),
  .guide-context-section .guide-grid.cards-5 > .guide-card:nth-child(4),
  .guide-context-section .guide-card-grid.cards-5 > .guide-card:nth-child(5),
  .guide-context-section .guide-grid.cards-5 > .guide-card:nth-child(5) {
    grid-column: auto;
  }

  main > article.guide-content .guide-context-section .guide-card-grid:has(> :nth-child(3):last-child),
  main > article.guide-content .guide-context-section .guide-card-grid:has(> :nth-child(5):last-child) {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  main > article.guide-content .guide-context-section .guide-card-grid:has(> :nth-child(5):last-child) > .guide-card,
  main > article.guide-content .guide-context-section .guide-card-grid:has(> :nth-child(5):last-child) > .guide-card:nth-child(4),
  main > article.guide-content .guide-context-section .guide-card-grid:has(> :nth-child(5):last-child) > .guide-card:nth-child(5) {
    grid-column: auto;
  }

}

@media (max-width: 720px) {
  body {
    padding-bottom: calc(72px + env(safe-area-inset-bottom));
  }

  h1 {
    font-size: 42px;
  }

  h2 {
    font-size: 36px;
  }

  section {
    padding: 52px 0;
  }

  .page-hero {
    padding: 58px 0 46px;
    background-image:
      linear-gradient(90deg, rgba(24, 32, 74, 0.9), rgba(24, 32, 74, 0.68)),
      var(--page-image-mobile, var(--page-image));
  }

  .hero-actions {
    flex-wrap: wrap;
  }

  .hero-actions .button {
    flex-basis: 100%;
    width: 100%;
  }

  .section-actions .button {
    flex: 1 1 100%;
    width: 100%;
  }

  .service-grid,
  .choice-grid,
  .next-grid,
  .footer-grid,
  .guide-grid {
    grid-template-columns: 1fr;
  }

  .service-content,
  .choice-card,
  .next-card,
  .process-step {
    padding: 22px;
  }

  .human-copy {
    padding: 28px;
  }

  .human-panel img {
    min-height: 320px;
  }

  .cta-panel {
    gap: 26px;
  }

  .guide-card {
    min-height: 0;
    padding: 24px;
  }

  .residential-topic {
    padding: 24px;
  }

  .residential-topic img {
    width: calc(100% + 48px);
    margin: -24px -24px 20px;
  }

  .residential-checklist-signpost {
    padding: 24px;
  }

  .guide-card .text-link {
    margin-top: 18px;
    padding-top: 0;
  }

  .guide-context {
    gap: 24px;
  }

  .guide-cta {
    gap: 24px;
    padding: 28px;
  }

  main > article.guide-content > h2 {
    margin-top: 34px;
    font-size: 30px;
  }

  .article-practical-panel {
    margin: 28px 0 34px;
    padding: 22px;
  }

  .articles-hub-grid .guide-card {
    min-height: 0;
    padding: 24px;
  }

  .articles-hub-grid {
    grid-template-columns: 1fr;
  }

  .articles-page .articles-hub-grid {
    grid-template-columns: 1fr;
  }

  .articles-page .articles-hub-grid .guide-card-image {
    width: calc(100% + 48px);
    margin: -24px -24px 22px;
  }

  .guide-context-section .guide-card-grid.cards-1,
  .guide-context-section .guide-card-grid.cards-2,
  .guide-context-section .guide-card-grid.cards-3,
  .guide-context-section .guide-card-grid.cards-4,
  .guide-context-section .guide-card-grid.cards-5,
  .guide-context-section .guide-card-grid.cards-6,
  .guide-context-section .guide-grid.cards-1,
  .guide-context-section .guide-grid.cards-2,
  .guide-context-section .guide-grid.cards-3,
  .guide-context-section .guide-grid.cards-4,
  .guide-context-section .guide-grid.cards-5,
  .guide-context-section .guide-grid.cards-6 {
    grid-template-columns: 1fr;
  }

  main > .guide-context-section .guide-card-grid.cards-1,
  main > .guide-context-section .guide-card-grid.cards-2,
  main > .guide-context-section .guide-card-grid.cards-3,
  main > .guide-context-section .guide-card-grid.cards-4,
  main > .guide-context-section .guide-card-grid.cards-5,
  main > .guide-context-section .guide-card-grid.cards-6,
  main > .guide-context-section .guide-grid.cards-1,
  main > .guide-context-section .guide-grid.cards-2,
  main > .guide-context-section .guide-grid.cards-3,
  main > .guide-context-section .guide-grid.cards-4,
  main > .guide-context-section .guide-grid.cards-5,
  main > .guide-context-section .guide-grid.cards-6 {
    grid-template-columns: 1fr;
  }

  main > article.guide-content .guide-context-section .guide-card-grid.cards-1,
  main > article.guide-content .guide-context-section .guide-card-grid.cards-2,
  main > article.guide-content .guide-context-section .guide-card-grid.cards-3,
  main > article.guide-content .guide-context-section .guide-card-grid.cards-4,
  main > article.guide-content .guide-context-section .guide-card-grid.cards-5,
  main > article.guide-content .guide-context-section .guide-card-grid.cards-6,
  main > article.guide-content .guide-context-section .guide-grid.cards-1,
  main > article.guide-content .guide-context-section .guide-grid.cards-2,
  main > article.guide-content .guide-context-section .guide-grid.cards-3,
  main > article.guide-content .guide-context-section .guide-grid.cards-4,
  main > article.guide-content .guide-context-section .guide-grid.cards-5,
  main > article.guide-content .guide-context-section .guide-grid.cards-6 {
    grid-template-columns: 1fr !important;
  }

  main > article.guide-content .guide-context-section .guide-card-grid:has(> :nth-child(5):last-child) > .guide-card,
  main > article.guide-content .guide-context-section .guide-card-grid:has(> :nth-child(5):last-child) > .guide-card:nth-child(4),
  main > article.guide-content .guide-context-section .guide-card-grid:has(> :nth-child(5):last-child) > .guide-card:nth-child(5) {
    grid-column: auto;
  }

  form button[type="submit"] {
    min-height: 52px;
    width: 100%;
  }

  textarea {
    min-height: 150px;
  }

  .site-footer a {
    display: inline-flex;
    align-items: center;
    min-height: 44px;
  }

  .mobile-action-bar {
    position: fixed;
    right: 0;
    bottom: 0;
    left: 0;
    z-index: 50;
    display: grid;
    grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr);
    gap: 8px;
    padding: 10px 14px calc(10px + env(safe-area-inset-bottom));
    border-top: 1px solid rgba(24, 32, 74, 0.18);
    background: rgba(248, 248, 245, 0.98);
    box-shadow: 0 -10px 30px rgba(24, 32, 74, 0.12);
    backdrop-filter: blur(14px);
    transition: opacity 200ms ease, visibility 200ms ease, grid-template-columns 200ms ease;
  }

  .guides-page .mobile-action-bar {
    display: grid;
    visibility: visible;
    opacity: 1;
  }

  .guides-page .guide-context-section .guide-grid {
    grid-template-columns: 1fr;
  }

  .guides-page .guide-grid .guide-card-image {
    width: calc(100% + 48px);
    margin: -24px -24px 22px;
  }

  .mobile-action {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    min-width: 0;
    min-height: 48px;
    padding: 10px 12px;
    border: 1px solid var(--navy);
    border-radius: 4px;
    color: var(--navy);
    font-weight: 900;
    line-height: 1.2;
    text-align: center;
  }

  .mobile-action-primary {
    background: var(--gold);
  }

  .mobile-action-bar.is-booking-active {
    grid-template-columns: 1fr;
  }

  .mobile-action-bar.is-booking-active .mobile-action-primary {
    display: none;
  }

  .residential-topic-grid,
  .lending-topic-grid--three,
  .document-list {
    grid-template-columns: 1fr;
  }

  .application-checklist-page .guide-layout,
  .application-checklist-page .guide-context-section > .container {
    width: calc(100% - 28px);
  }

  .application-checklist-page .guide-card {
    padding: 24px;
  }

  .application-checklist-page .guide-card-image {
    width: calc(100% + 48px);
    margin: -24px -24px 20px;
  }

  .faq-item {
    grid-template-columns: 1fr;
    gap: 10px;
    padding: 22px 0;
  }
}

@media (max-width: 640px) {
  .container {
    width: min(100% - 28px, 1160px);
  }

  .nav {
    min-height: 72px;
  }

  .brand small {
    display: none;
  }

  .hero,
  section {
    padding: 40px 0;
  }

  h1 {
    font-size: 38px;
  }

  .lead {
    font-size: 17px;
  }

  .hero-intent {
    margin-top: 26px;
  }

  .hero-intent-heading {
    grid-template-columns: 1fr;
    gap: 8px;
  }

  .hero-intent-heading h2 {
    font-size: 30px;
  }

  .hero-intent-heading p:last-child {
    display: none;
  }

  .hero-intent-grid {
    grid-template-columns: 1fr;
    gap: 10px;
  }

  .hero-intent-card {
    min-height: 58px;
    padding: 10px 12px;
  }

  .hero-intent-copy small {
    display: none;
  }

  .hero-photo {
    inset: 0 0 40px 20px;
  }

  .insight-card {
    width: 88%;
    padding: 18px;
  }

  .trust-bar,
  .process-grid,
  .feature-list,
  .form-row {
    grid-template-columns: 1fr;
  }

  .trust-section {
    padding: 42px 0;
  }

  .trust-grid,
  .credentials-grid,
  .lender-panel {
    grid-template-columns: 1fr;
  }

  .lender-list {
    grid-template-columns: 1fr 1fr;
  }

  .lender-preview {
    gap: 14px;
    padding: 18px;
  }

  .trust-handoff-inner {
    align-items: flex-start;
    flex-direction: column;
  }

  .cta-panel {
    padding: 22px;
  }

  .consultation-tabs {
    grid-template-columns: 1fr;
  }

  .consultation-panel {
    padding: 0;
    border: 0;
  }

  section#contact > .consultation-shell {
    width: calc(100% - 20px);
    max-width: none;
    padding-left: 12px;
    padding-right: 12px;
  }

  .consultation-panel[data-consultation-panel="booking"] {
    padding-bottom: 96px;
  }

  .inline-booking iframe {
    width: 100%;
    max-width: 100%;
    box-sizing: border-box;
    margin-left: 0;
    height: max(950px, calc(100dvh + 150px));
    min-height: 950px;
    border: 0;
    border-radius: 0;
  }

  .consultation-row {
    grid-template-columns: 1fr;
  }

  .email-label-desktop {
    display: none;
  }

  .email-label-mobile {
    display: inline;
  }

  .booking-dialog-header,
  .booking-dialog-body {
    padding: 14px;
  }

  .booking-dialog {
    width: calc(100% - 16px);
    max-width: none;
    max-height: calc(100dvh - 16px);
  }

  .booking-dialog-header {
    gap: 10px;
  }

  .booking-dialog-body {
    max-height: calc(100dvh - 108px);
  }

  .booking-dialog-header h2 {
    font-size: 26px;
  }

  .booking-frame {
    height: 800px;
    min-height: 800px;
  }

  .booking-frame-viewport {
    height: 800px;
  }

  .legal-content,
  .detail-content,
  .guide-layout {
    width: min(100% - 28px, 900px);
  }

  .guide-content .content-block h2 {
    font-size: 32px;
  }

}

/* Service-area CTAs retain their horizontal image panel through laptop widths. */
@media (min-width: 901px) {
  .service-area-page .local-cta {
    grid-template-columns: minmax(0, 1.2fr) minmax(300px, 0.8fr);
    align-items: stretch;
  }

  .service-area-page .local-cta-media {
    align-self: stretch;
  }

  .service-area-page .local-cta .section-actions {
    display: flex;
    flex-wrap: nowrap;
    align-items: center;
    gap: 14px;
  }

  .service-area-page .local-cta .section-actions .button {
    flex: 0 0 auto;
    width: auto;
  }
}

@media (max-width: 900px) {
  .service-area-page .local-cta {
    grid-template-columns: 1fr;
  }

  .service-area-page .local-cta-media {
    height: 200px;
  }
}

/* Shared presentation for the detailed guide family. */
.guide-detail-page .guide-hero > .container,
.guide-detail-page .guide-layout,
.guide-detail-page .guide-context-section > .container,
.guide-detail-page .guide-cta {
  width: min(1100px, calc(100% - 40px));
}

.guide-detail-page .guide-context-section {
  border-top: 0;
  border-bottom: 0;
  background: transparent;
}

.guide-detail-page .guide-card {
  min-height: 0;
}

.guide-detail-page .guide-card-image {
  display: block;
  width: calc(100% + 64px);
  max-width: none;
  aspect-ratio: 16 / 9;
  margin: -32px -32px 22px;
  border-radius: 5px 5px 0 0;
  object-fit: cover;
}

.guide-detail-page .guide-context-section .guide-grid.cards-3 {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.guide-detail-page .guide-context-section .guide-grid.cards-5 {
  grid-template-columns: repeat(6, minmax(0, 1fr));
}

.guide-detail-page .guide-context-section .guide-grid.cards-5 > .guide-card {
  grid-column: span 2;
}

.guide-detail-page .guide-context-section .guide-grid.cards-5 > .guide-card:nth-child(4) {
  grid-column: 2 / span 2;
}

.guide-detail-page .guide-context-section .guide-grid.cards-5 > .guide-card:nth-child(5) {
  grid-column: 4 / span 2;
}

@media (min-width: 721px) and (max-width: 1100px) {
  .guide-detail-page .guide-context-section .guide-grid.cards-3,
  .guide-detail-page .guide-context-section .guide-grid.cards-5 {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .guide-detail-page .guide-context-section .guide-grid.cards-5 > .guide-card,
  .guide-detail-page .guide-context-section .guide-grid.cards-5 > .guide-card:nth-child(4),
  .guide-detail-page .guide-context-section .guide-grid.cards-5 > .guide-card:nth-child(5) {
    grid-column: auto;
  }
}

/* Final Stage 4 cascade after all legacy page-component rules. */
.booking-guidance,
.booking-fallback {
  max-width: 62ch;
  color: var(--muted);
  font-size: 13px;
  line-height: 1.5;
}

.booking-guidance {
  margin: -2px 0 14px;
}

.booking-fallback {
  margin: 12px 0 0;
}

.booking-fallback a {
  color: var(--navy);
  font-weight: 800;
  text-decoration: underline;
  text-decoration-color: var(--gold);
  text-underline-offset: 3px;
}

.consultation-shell,
.consultation-panel,
.inline-booking,
.consultation-tabs [role="tab"],
.service-card,
.feature-card,
.choice-card,
.next-card,
.intent-card,
.residential-topic,
.guide-card,
.faq-item {
  border-radius: 10px;
}

.consultation-tabs [role="tab"] {
  transition: border-color 160ms ease, background-color 160ms ease, box-shadow 160ms ease, transform 160ms ease;
}

.consultation-tabs [role="tab"]:hover {
  border-color: rgba(201, 167, 74, 0.72);
  transform: translateY(-1px);
}

.consultation-tabs [role="tab"][aria-selected="true"] {
  box-shadow: 0 0 0 2px rgba(201, 167, 74, 0.32), 0 12px 26px rgba(24, 32, 74, 0.12);
}

.consultation-panel form {
  gap: 16px;
}

.consultation-panel label {
  gap: 8px;
  font-size: 12px;
  letter-spacing: 0.01em;
  text-transform: uppercase;
}

.consultation-panel input,
.consultation-panel select,
.consultation-panel textarea {
  border-radius: 8px;
  background: #fff;
}

.consultation-panel textarea {
  min-height: 116px;
}

.service-card:focus-visible,
.guide-card:focus-visible,
.intent-card:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 4px;
}

.faq-group {
  padding-top: 8px;
}

.faq-group > h2 {
  margin: 0 0 18px;
  padding-bottom: 12px;
  border-bottom: 2px solid rgba(201, 167, 74, 0.5);
  font-size: clamp(22px, 2vw, 30px);
}

.faq-list {
  display: grid;
  gap: 10px;
  border-top: 0;
}

.faq-item {
  grid-template-columns: minmax(240px, 0.8fr) minmax(0, 1.2fr);
  gap: 28px;
  padding: 22px 24px;
  border: 1px solid var(--line);
  background: #fff;
}

.faq-item h3 {
  font-size: 20px;
}

@media (max-width: 720px) {
  .consultation-shell {
    border-radius: 12px;
  }

  .consultation-panel {
    border-radius: 8px;
  }

  .faq-list {
    gap: 8px;
  }

  .faq-item {
    gap: 8px;
    padding: 18px;
  }

  .faq-item h3 {
    font-size: 18px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .consultation-tabs [role="tab"],
  .service-card,
  .residential-topic,
  .guide-card,
  .intent-card {
    transition: none;
  }
}

@media (max-width: 720px) {
  .guide-detail-page .guide-hero > .container,
  .guide-detail-page .guide-layout,
  .guide-detail-page .guide-context-section > .container,
  .guide-detail-page .guide-cta {
    width: calc(100% - 28px);
  }

  .guide-detail-page .guide-card {
    padding: 24px;
  }

  .guide-detail-page .guide-card-image {
    width: calc(100% + 48px);
    margin: -24px -24px 20px;
  }

  .guide-detail-page .guide-context-section .guide-grid.cards-3,
  .guide-detail-page .guide-context-section .guide-grid.cards-5 {
    grid-template-columns: 1fr;
  }

  .guide-detail-page .guide-context-section .guide-grid.cards-5 > .guide-card,
  .guide-detail-page .guide-context-section .guide-grid.cards-5 > .guide-card:nth-child(4),
  .guide-detail-page .guide-context-section .guide-grid.cards-5 > .guide-card:nth-child(5) {
    grid-column: auto;
  }
}