/* ============================================
   REMORTGAGESAVER — DESIGN SYSTEM
   ============================================ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --green-deep: #003D32;
  --green-mid: #00594A;
  --green-light: #00796B;
  --green-bright: #26A69A;
  --green-glow: #4DB6AC;
  --cream: #FFF8F0;
  --cream-dark: #F5EDE3;
  --white: #FFFFFF;
  --text-dark: #1A1A1A;
  --text-mid: #4A4A4A;
  --accent-warm: #FF6B35;
  --accent-gold: #F5A623;
  --font-display: 'Outfit', sans-serif;
  --font-body: 'Plus Jakarta Sans', sans-serif;
}

body {
  font-family: var(--font-body);
  color: var(--text-dark);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
  line-height: 1.6;
}

img { max-width: 100%; height: auto; }
a { color: inherit; }

/* ============================================
   LANDING PAGE — TOP BAR
   ============================================ */
.landing-topbar {
  padding: 0.4rem 2rem;
  background: var(--white);
  border-bottom: 1px solid rgba(0, 61, 50, 0.08);
}

.landing-topbar-inner {
  max-width: 1280px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.landing-logo {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  text-decoration: none;
}

.landing-logo img {
  height: 48px;
  width: auto;
}

.landing-logo-text {
  font-family: var(--font-display);
  font-weight: 900;
  font-size: 1.6rem;
  color: var(--green-deep);
  letter-spacing: -0.03em;
}

.landing-logo-text span {
  color: var(--accent-warm);
}

.landing-logo-tagline {
  font-size: 0.8rem;
  color: var(--text-mid);
  font-weight: 500;
  letter-spacing: 0.02em;
  margin-top: -5px;
}

.google-reviews-img {
  height: 72px;
  width: auto;
}

/* ============================================
   LENDER TRUST BAR
   ============================================ */
.lender-bar {
  background: var(--white);
  padding: 0;
  border-bottom: 1px solid rgba(0, 61, 50, 0.06);
  height: 52px;
  overflow: hidden;
}

.lender-bar-inner {
  max-width: 1280px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 2rem;
  height: 100%;
}

.lender-logo {
  height: 26px;
  width: auto;
  object-fit: contain;
}

/* Individual logo sizing — tuned so all logos appear visually equal */
.logo-halifax    { height: 30px; }
.logo-barclays   { height: 72px; }
.logo-nationwide  { height: 18px; }
.logo-hsbc       { height: 22px; }
.logo-santander  { height: 20px; }
.logo-rbs        { height: 22px; }

/* ============================================
   LANDING HERO
   ============================================ */
.landing-hero {
  background: var(--green-deep);
  position: relative;
  padding: 3.5rem 2rem 4rem;
  overflow: hidden;
}

.landing-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 30% 50%, rgba(0, 121, 107, 0.25) 0%, transparent 60%),
              radial-gradient(ellipse at 80% 20%, rgba(255, 107, 53, 0.06) 0%, transparent 50%);
  pointer-events: none;
}

.landing-hero-inner {
  max-width: 1280px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 3.5rem;
  align-items: center;
  position: relative;
  z-index: 1;
}

.landing-hero-content {
  position: relative;
}

.landing-hero-content h1 {
  font-family: var(--font-display);
  font-size: clamp(2rem, 3.5vw, 2.8rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.15;
  letter-spacing: -0.03em;
  margin-bottom: 1rem;
}

.landing-hero-content h1 em {
  font-style: normal;
  color: var(--accent-warm);
}

.landing-hero-content .subtitle {
  color: rgba(255, 255, 255, 1);
  font-size: 1.5rem;
  font-weight: 600;
  line-height: 1.6;
  margin-bottom: 1.5rem;
}

.hero-bullets {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 1rem;
  margin-bottom: 2rem;
}

.hero-bullets li {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  color: var(--white);
  font-size: 1.25rem;
  font-weight: 600;
}

.hero-bullets li .check {
  width: 28px;
  height: 28px;
  background: var(--accent-warm);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.hero-bullets li .check svg {
  width: 14px;
  height: 14px;
  fill: var(--white);
}

.hero-arrow {
  position: absolute;
  right: -2rem;
  bottom: 5.5rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
  transform: rotate(-8deg);
}

.hero-arrow-text {
  font-family: 'Caveat', cursive;
  font-size: 2.8rem;
  font-weight: 700;
  color: var(--white);
  opacity: 0.9;
  white-space: nowrap;
  line-height: 1;
}

.hero-arrow svg {
  width: 80px;
  height: 50px;
  opacity: 0.8;
}

.landing-start-here {
  display: none;
}

/* Form wrapper */
.hero-form-card {
  background: var(--white);
  border-radius: 20px;
  padding: 0;
  box-shadow: 0 24px 80px rgba(0, 0, 0, 0.3);
  overflow: hidden;
  position: relative;
  min-height: 460px;
}


.hero-form-card iframe {
  width: 100%;
  height: 500px;
  border: none;
  display: block;
}

.form-placeholder-box {
  padding: 4rem 2rem;
  text-align: center;
  background: #f0f4f3;
  border: 2px dashed rgba(0, 61, 50, 0.15);
  border-radius: 12px;
  margin: 1.5rem;
}

.form-placeholder-box p {
  color: var(--text-mid);
  font-size: 0.9rem;
}

.hero-form-note {
  text-align: center;
  padding: 0.8rem 1.5rem 1rem;
  font-size: 0.8rem;
  color: var(--text-mid);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
}

.hero-form-note svg {
  width: 14px;
  height: 14px;
  fill: var(--green-bright);
  flex-shrink: 0;
}

/* ============================================
   AS SEEN IN BAR
   ============================================ */
.as-seen-in {
  background: var(--text-dark);
  padding: 1.2rem 2rem;
}

.as-seen-in-inner {
  max-width: 1280px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 2.5rem;
  flex-wrap: wrap;
}

.as-seen-in-label {
  font-family: var(--font-body);
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.5);
  font-weight: 500;
  white-space: nowrap;
}

.as-seen-in-logo {
  font-family: 'Georgia', 'Times New Roman', serif;
  font-size: 1.3rem;
  font-weight: 700;
  color: rgba(255, 255, 255, 0.7);
  white-space: nowrap;
  letter-spacing: 0.01em;
}

.as-seen-in-logo.the-sun {
  background: #C4151C;
  color: var(--white);
  padding: 0.15rem 0.6rem;
  border-radius: 3px;
  font-size: 1.1rem;
}

/* ============================================
   SOCIAL PROOF / TESTIMONIALS
   ============================================ */
.social-proof {
  padding: 3rem 2rem 1rem;
  background: var(--white);
  text-align: center;
}

.social-proof-inner {
  max-width: 1280px;
  margin: 0 auto;
}

.social-proof h2 {
  font-family: var(--font-display);
  font-size: clamp(2.2rem, 4vw, 3.5rem);
  font-weight: 900;
  color: var(--green-deep);
  line-height: 1.05;
  letter-spacing: -0.04em;
  margin-bottom: 2.5rem;
  padding-top: 1.5rem;
}

.hand-underlined {
  position: relative;
  display: inline-block;
  white-space: nowrap;
}

.hand-underline-svg {
  position: absolute;
  bottom: -0.3em;
  left: -4%;
  width: 108%;
  height: 0.5em;
  pointer-events: none;
  overflow: visible;
  transform: rotate(-2deg);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  text-align: left;
  margin-bottom: 2.5rem;
}

.testimonial-card {
  background: var(--cream);
  border-radius: 16px;
  padding: 1.5rem;
  border: 1px solid rgba(0, 61, 50, 0.06);
  transition: transform 0.3s, box-shadow 0.3s;
}

.testimonial-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 40px rgba(0, 61, 50, 0.08);
}

.testimonial-header {
  display: flex;
  align-items: center;
  gap: 0.8rem;
  margin-bottom: 0.8rem;
}

.testimonial-avatar {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  overflow: hidden;
  flex-shrink: 0;
}

.testimonial-avatar img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.testimonial-meta h3 {
  font-family: var(--font-display);
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--green-deep);
  line-height: 1.2;
}

.testimonial-meta .name {
  font-size: 0.8rem;
  color: var(--text-mid);
  font-weight: 500;
}

.testimonial-stars {
  color: var(--accent-gold);
  font-size: 0.95rem;
  margin-bottom: 0.6rem;
  letter-spacing: 2px;
}

.testimonial-card blockquote {
  font-size: 0.85rem;
  color: var(--text-mid);
  line-height: 1.6;
  font-style: italic;
}

/* ============================================
   CTA BUTTON (FULL WIDTH)
   ============================================ */
.cta-banner {
  padding: 1rem 2rem 2rem;
  text-align: center;
  background: var(--cream);
}

.cta-btn-large {
  display: inline-block;
  background: var(--accent-warm);
  color: var(--white);
  padding: 1.1rem 3rem;
  border-radius: 12px;
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 700;
  text-decoration: none;
  transition: transform 0.3s, box-shadow 0.3s;
  border: none;
  cursor: pointer;
}

.cta-btn-large:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 32px rgba(255, 107, 53, 0.4);
}

/* ============================================
   WHY NOW SECTION
   ============================================ */
/* ============================================
   REASONS TO REMORTGAGE — BENTO GRID
   ============================================ */
.reasons-section {
  padding: 4.5rem 2rem 3rem;
  background: var(--white);
  text-align: center;
}

.reasons-inner {
  max-width: 1100px;
  margin: 0 auto;
}

.reasons-eyebrow {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: var(--accent-warm);
  margin-bottom: 0.6rem;
}

.reasons-section h2 {
  font-family: var(--font-display);
  font-size: clamp(2.2rem, 4vw, 3.5rem);
  font-weight: 900;
  color: var(--green-deep);
  line-height: 1.05;
  letter-spacing: -0.04em;
  margin-bottom: 2.5rem;
}

.reasons-cta {
  text-align: center;
  margin-top: 3.5rem;
}

.reasons-cta .cta-btn-large {
  padding: 1.2rem 4.5rem;
  font-size: 1.2rem;
}

/* --- Bento Grid Layout --- */
.bento-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.2rem;
  text-align: left;
}

.bento-card {
  background: var(--cream);
  border-radius: 20px;
  padding: 2rem;
  overflow: hidden;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.bento-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 40px rgba(0, 61, 50, 0.08);
}

@media (min-width: 700px) {
  .bento-grid {
    grid-template-columns: 1fr 1fr 1fr;
    grid-template-rows: auto auto auto;
  }
  /* Row 1: wide left */
  .bento-grid .bento-card:nth-child(1) { grid-column: 1 / 3; grid-row: 1; }
  .bento-grid .bento-card:nth-child(2) { grid-column: 3 / 4; grid-row: 1; }
  /* Row 2: wide right */
  .bento-grid .bento-card:nth-child(3) { grid-column: 1 / 2; grid-row: 2; }
  .bento-grid .bento-card:nth-child(4) { grid-column: 2 / 4; grid-row: 2; }
  /* Row 3: three equal columns */
  .bento-grid .bento-card:nth-child(5) { grid-column: 1 / 2; grid-row: 3; }
  .bento-grid .bento-card:nth-child(6) { grid-column: 2 / 3; grid-row: 3; }
  .bento-grid .bento-card:nth-child(7) { grid-column: 3 / 4; grid-row: 3; }

  /* Narrow dark cards in row 3 stack vertically */
  .bento-grid .bento-card.bento-dark:nth-child(5),
  .bento-grid .bento-card.bento-dark:nth-child(7) {
    flex-direction: column;
    align-items: flex-start;
  }
  /* Narrow single-column cards in row 3 - Escape SVR (child 2) too */
  .bento-grid .bento-card.bento-accent:nth-child(2) {
    flex-direction: column;
    align-items: flex-start;
  }
  /* Row 3 cards: tighter padding & smaller text to reduce height */
  .bento-grid .bento-card:nth-child(5),
  .bento-grid .bento-card:nth-child(6),
  .bento-grid .bento-card:nth-child(7) {
    padding: 1.2rem 1.4rem;
  }
  .bento-grid .bento-card:nth-child(5) p,
  .bento-grid .bento-card:nth-child(6) p,
  .bento-grid .bento-card:nth-child(7) p {
    font-size: 0.82rem;
    line-height: 1.5;
    margin: 0;
  }
}

/* --- Dark card variant --- */
.bento-dark {
  background: var(--green-deep);
  color: var(--white);
  display: flex;
  gap: 1.5rem;
  align-items: center;
}

.bento-dark p {
  color: var(--white);
}

.bento-dark .bento-label {
  color: var(--green-bright);
}

.bento-card-content {
  flex: 1;
  min-width: 0;
}

/* --- Accent card (orange) --- */
.bento-accent {
  background: var(--accent-warm);
  color: var(--white);
}

.bento-accent .bento-label {
  color: rgba(255,255,255,0.85);
}

.bento-accent p {
  color: rgba(255,255,255,0.85);
}

/* --- Shared typography --- */
.bento-label {
  display: block;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--accent-warm);
  margin-bottom: 0.4rem;
}

.bento-stat {
  font-family: var(--font-display);
  font-size: clamp(2.2rem, 4.5vw, 3rem);
  font-weight: 900;
  line-height: 1;
  letter-spacing: -0.04em;
  margin-bottom: 0.6rem;
}

.bento-stat-sub {
  font-size: 0.5em;
  font-weight: 700;
  opacity: 0.7;
  letter-spacing: 0;
}

.bento-card p {
  font-size: 0.9rem;
  line-height: 1.6;
  color: var(--text-mid);
}

.bento-dark.bento-card p {
  color: var(--white);
}

.bento-accent.bento-card p {
  color: rgba(255,255,255,0.9);
  margin: 0;
}

/* --- Bar chart visual (Lower Rate card) --- */
.bento-visual {
  flex: 0 0 160px;
}

.bento-bar-chart {
  height: 160px;
  display: flex;
  align-items: flex-end;
  justify-content: center;
}

.bento-bar-group {
  display: flex;
  gap: 12px;
  align-items: flex-end;
  height: 100%;
}

.bento-bar {
  width: 54px;
  border-radius: 8px 8px 4px 4px;
  display: flex;
  align-items: flex-end;
  justify-content: center;
  padding-bottom: 8px;
  transition: height 0.8s ease;
}

.bento-bar span {
  font-size: 0.6rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  opacity: 0.9;
  white-space: nowrap;
}

.bento-bar-old {
  background: rgba(255,255,255,0.15);
  color: rgba(255,255,255,0.7);
}

.bento-bar-new {
  background: var(--green-bright);
  color: var(--white);
}

/* --- Debt consolidation stack visual --- */
.bento-stack {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.4rem;
  padding: 1rem 0 0.5rem;
}

.bento-stack-item {
  padding: 0.45rem 1.2rem;
  border-radius: 8px;
  font-size: 0.82rem;
  font-weight: 600;
  text-align: center;
  width: 100%;
}

.bento-stack-fade {
  background: var(--cream-dark);
  color: var(--text-mid);
  text-decoration: line-through;
  text-decoration-color: var(--accent-warm);
  opacity: 0.7;
}

.bento-stack-arrow {
  display: flex;
  justify-content: center;
  padding: 0.2rem 0;
}

.bento-stack-result {
  background: var(--green-deep);
  color: var(--white);
  font-weight: 700;
}

/* --- Equity visual (Raise Capital card) --- */
.bento-equity-bars {
  display: flex;
  gap: 20px;
  justify-content: center;
  align-items: flex-end;
  height: 160px;
}

.bento-equity-bar {
  width: 58px;
  height: 100%;
  background: rgba(255,255,255,0.1);
  border-radius: 8px;
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
}

.bento-equity-owned {
  background: var(--green-bright);
  border-radius: 8px 8px 0 0;
  position: relative;
}

.bento-equity-release {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 40%;
  background: var(--accent-warm);
  border-radius: 8px 8px 0 0;
}

.bento-equity-label {
  font-size: 0.55rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  text-align: center;
  padding: 6px 0;
  color: rgba(255,255,255,0.6);
}

/* --- Credit score arc visual --- */
.bento-score-visual {
  display: flex;
  justify-content: center;
  padding: 0.8rem 0 0.3rem;
}

.bento-arc-svg {
  width: 200px;
  height: 120px;
}

/* --- LTV house visual --- */
.bento-ltv-visual {
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 0.2rem 0 0;
}

.bento-house-svg {
  width: 240px;
  height: 200px;
}

.bento-ltv-caption {
  font-size: 0.82rem;
  color: var(--text-mid);
  font-weight: 600;
  text-align: center;
  margin-top: 0.3rem;
}

/* --- Shorten term visual --- */
.bento-term-visual {
  display: flex;
  justify-content: center;
  padding: 0.2rem 0;
  flex: 1;
  align-items: center;
  width: 100%;
}

.bento-term-svg {
  width: 100%;
  max-width: 220px;
  height: 120px;
}

/* ============================================
   HOW IT WORKS BAR
   ============================================ */
/* ── Sticky CTA (landing pages, mobile only) ── */
.sticky-cta {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 200;
  padding: 0.75rem 1rem;
  background: var(--green-deep);
  border-top: 1px solid rgba(255,255,255,0.1);
  transform: translateY(100%);
  transition: transform 0.3s ease;
}
.sticky-cta--visible {
  transform: translateY(0);
}
.sticky-cta-btn {
  display: block;
  width: 100%;
  text-align: center;
  background: var(--accent-warm);
  color: var(--white);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1rem;
  padding: 0.9rem 1.5rem;
  border-radius: 100px;
  text-decoration: none;
  letter-spacing: -0.01em;
}
@media (max-width: 900px) {
  .sticky-cta { display: block; }
}

.how-it-works-bar {
  background: var(--green-deep);
  padding: 2.5rem 2rem;
}

.how-it-works-bar-inner {
  max-width: 900px;
  margin: 0 auto;
}

.how-it-works-label {
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--green-bright);
  text-align: center;
  margin-bottom: 1.5rem;
}

.how-steps {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
}

.how-step {
  display: flex;
  align-items: center;
  gap: 0.8rem;
}

.how-step-number {
  width: 44px;
  height: 44px;
  min-width: 44px;
  border-radius: 50%;
  background: var(--green-bright);
  color: var(--green-deep);
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
}

.how-step-text h3 {
  font-family: var(--font-display);
  font-size: 0.95rem;
  font-weight: 800;
  color: var(--white);
  line-height: 1.2;
}

.how-step-text p {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.55);
  margin-top: 0.15rem;
  line-height: 1.3;
}

.how-step-connector {
  width: 50px;
  min-width: 35px;
  padding: 0 0.4rem;
  display: flex;
  align-items: center;
}

.how-step-connector svg {
  width: 100%;
  height: 12px;
}

/* ============================================
   FAQ SECTION
   ============================================ */
.faq-section {
  padding: 4rem 2rem;
  background: var(--cream);
}

.faq-inner {
  max-width: 800px;
  margin: 0 auto;
}

.faq-section h2 {
  font-family: var(--font-display);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 900;
  color: var(--green-deep);
  text-align: center;
  margin-bottom: 2.5rem;
  letter-spacing: -0.03em;
}

.faq-item {
  border-bottom: 1px solid rgba(0, 61, 50, 0.1);
}

.faq-item:first-child {
  border-top: 1px solid rgba(0, 61, 50, 0.1);
}

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.3rem 0;
  background: none;
  border: none;
  cursor: pointer;
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--green-deep);
  text-align: left;
  gap: 1rem;
}

.faq-question:hover {
  color: var(--green-deep);
}

.faq-icon {
  width: 24px;
  height: 24px;
  flex-shrink: 0;
  transition: transform 0.3s;
}

.faq-icon svg {
  width: 24px;
  height: 24px;
  stroke: var(--text-mid);
  fill: none;
  stroke-width: 2;
}

.faq-item.active .faq-icon {
  transform: rotate(180deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, padding 0.3s ease;
}

.faq-item.active .faq-answer {
  max-height: 300px;
}

.faq-answer-content {
  padding: 0 0 1.3rem;
  font-size: 0.95rem;
  color: var(--text-mid);
  line-height: 1.7;
}

/* ============================================
   MINIMAL FOOTER (LANDING PAGES)
   ============================================ */
.footer-minimal {
  background: var(--text-dark);
  padding: 2rem;
}

.footer-minimal-inner {
  max-width: 1280px;
  margin: 0 auto;
  text-align: center;
}

.footer-minimal p {
  font-size: 0.72rem;
  color: rgba(255, 255, 255, 0.5);
  line-height: 1.65;
  margin-bottom: 0.6rem;
}

.footer-minimal a {
  color: rgba(255, 255, 255, 0.6);
  text-decoration: underline;
}

.footer-minimal a:hover {
  color: rgba(255, 255, 255, 0.7);
}

/* ============================================
   HERO ANIMATIONS
   ============================================ */
@keyframes heroFadeUp {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: translateY(0); }
}

@keyframes heroFadeIn {
  from { opacity: 0; }
  to { opacity: 1; }
}

@keyframes heroFormSlideUp {
  from { opacity: 0; transform: translateY(30px); }
  to { opacity: 1; transform: translateY(0); }
}

/* Ensure hero form is always visible */
.hero-form-wrapper {
  opacity: 1;
}

@media (prefers-reduced-motion: reduce) {
  .hero-badges,
  .hero-content h1,
  .hero-content > p,
  .hero-stats,
  .hero-form-wrapper {
    animation: none !important;
  }
}

/* ============================================
   HOMEPAGE HERO
   ============================================ */
.hero {
  background:
    radial-gradient(ellipse 80% 50% at 70% 20%, rgba(0, 89, 74, 0.5) 0%, transparent 60%),
    radial-gradient(ellipse 60% 40% at 20% 80%, rgba(255, 107, 53, 0.04) 0%, transparent 50%),
    linear-gradient(175deg, #004A3D 0%, #003D32 35%, #002E25 100%);
  position: relative;
  display: flex;
  align-items: center;
  padding: 9rem 2rem 5rem;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noise'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noise)'/%3E%3C/svg%3E");
  background-size: 200px 200px;
  opacity: 0.025;
  pointer-events: none;
  z-index: 0;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -15%;
  left: -10%;
  width: 60vw;
  height: 60vw;
  max-width: 700px;
  max-height: 700px;
  background: radial-gradient(circle, rgba(38, 166, 154, 0.12) 0%, rgba(255, 107, 53, 0.05) 40%, transparent 70%);
  pointer-events: none;
  z-index: 0;
  filter: blur(40px);
}

.hero-inner {
  max-width: 1280px;
  margin: 0 auto;
  width: 100%;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  grid-template-rows: 1fr auto;
  gap: 0 3.5rem;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-inner .hero-content { grid-column: 1; grid-row: 1; }
.hero-inner .hero-form-wrapper { grid-column: 2; grid-row: 1 / 3; align-self: center; }
.hero-inner .hero-stats { grid-column: 1; grid-row: 2; }

/* Situation pages */
.hero--situation .hero-content > p { max-width: 620px; }

.hero-content h1 {
  font-family: var(--font-display);
  font-size: clamp(2.8rem, 5.5vw, 4.5rem);
  font-weight: 900;
  color: var(--white);
  line-height: 1.05;
  letter-spacing: -0.035em;
  margin-bottom: 1.5rem;
  text-shadow: 0 2px 40px rgba(0, 0, 0, 0.15);
  animation: heroFadeUp 0.7s ease-out both;
  animation-delay: 0.15s;
}

.hero-content h1 em,
.hero-content h1 .hero-highlight {
  font-style: normal;
  color: var(--accent-warm);
  text-decoration: underline;
  text-decoration-color: rgba(255, 107, 53, 0.3);
  text-underline-offset: 6px;
  text-decoration-thickness: 3px;
}

.hero-content > p {
  color: rgba(255,255,255,1);
  font-size: 1.25rem;
  font-weight: 600;
  line-height: 1.7;
  max-width: 500px;
  margin-bottom: 2rem;
  letter-spacing: 0.005em;
  animation: heroFadeUp 0.7s ease-out both;
  animation-delay: 0.25s;
}

.hero-badges {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: 1.25rem;
  animation: heroFadeIn 0.6s ease-out both;
  animation-delay: 0.1s;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  color: rgba(255,255,255,0.85);
  font-size: 0.8rem;
  font-weight: 600;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 100px;
  padding: 0.4rem 0.9rem 0.4rem 0.65rem;
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}

.hero-badge svg {
  width: 16px;
  height: 16px;
  fill: var(--green-bright);
  flex-shrink: 0;
}

.hero-stats {
  display: flex;
  gap: 0;
  margin-top: 2rem;
  padding-top: 0;
  border-top: none;
  animation: heroFadeUp 0.7s ease-out both;
  animation-delay: 0.35s;
}

.hero-stat {
  padding: 0.8rem 1.25rem;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.07);
  border-radius: 12px;
  text-align: center;
  transition: background 0.3s ease;
}

.hero-stat:hover {
  background: rgba(255,255,255,0.07);
}

.hero-stat + .hero-stat {
  margin-left: 0.75rem;
}

.hero-stat strong {
  display: block;
  font-family: var(--font-display);
  font-size: 2.2rem;
  font-weight: 800;
  color: var(--accent-warm);
  letter-spacing: -0.03em;
  margin-bottom: 0.1rem;
}

.hero-stat span {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.9);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

/* Start-here arrow — hidden on desktop, shown on mobile */
.hero-start-here {
  display: none;
}

.hero-form-wrapper {
  background: var(--white);
  border-radius: 24px;
  padding: 2.5rem;
  box-shadow:
    0 1px 2px rgba(0,0,0,0.07),
    0 4px 8px rgba(0,0,0,0.07),
    0 16px 32px rgba(0,0,0,0.07),
    0 32px 64px rgba(0,0,0,0.14);
  position: relative;
  overflow: hidden;
  animation: heroFormSlideUp 0.8s ease-out both;
  animation-delay: 0.2s;
}

.hero-form-wrapper::before {
  display: none;
}

.hero-form-wrapper::after {
  content: '';
  position: absolute;
  top: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 80%;
  height: 100px;
  background: radial-gradient(ellipse at center top, rgba(38, 166, 154, 0.06) 0%, transparent 70%);
  pointer-events: none;
  z-index: 0;
}

.form-header {
  text-align: center;
  margin-bottom: 1.5rem;
  padding-top: 0.5rem;
  position: relative;
  z-index: 1;
}

.form-header h2 {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--green-deep);
  margin-bottom: 0.35rem;
  letter-spacing: -0.02em;
}

.form-header p {
  font-size: 0.85rem;
  color: var(--text-mid);
}

.form-trust {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  margin-top: 1rem;
  font-size: 0.75rem;
  color: var(--text-mid);
  position: relative;
  z-index: 1;
}

.form-trust svg {
  width: 14px;
  height: 14px;
  fill: var(--green-bright);
}

/* ============================================
   TRUST BAR
   ============================================ */
.trust-bar {
  background: var(--white);
  padding: 0.4rem 2rem;
  overflow: hidden;
  border-bottom: 1px solid rgba(0, 61, 50, 0.06);
}

.trust-bar-inner {
  max-width: 1280px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 2.2rem;
  flex-wrap: wrap;
}

.trust-bar-logo {
  height: 26px;
  width: auto;
  object-fit: contain;
}
.trust-logo-halifax { height: 32px; }
.trust-logo-barclays { height: 80px; }
.trust-logo-natwest { height: 58px; }
.trust-logo-lloyds { height: 32px; }
.trust-logo-virgin { height: 42px; }

.trust-bar span {
  color: rgba(255,255,255,0.3);
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  white-space: nowrap;
}

/* ============================================
   SECTION HEADINGS (REUSABLE)
   ============================================ */
.section-inner {
  max-width: 1280px;
  margin: 0 auto;
}

.section-tag {
  display: inline-block;
  font-family: var(--font-display);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--accent-warm);
  background: rgba(255, 107, 53, 0.08);
  padding: 0.4rem 1rem;
  border-radius: 999px;
  margin-bottom: 1rem;
}

.section-title {
  font-family: var(--font-display);
  font-size: clamp(2.2rem, 4vw, 3.5rem);
  font-weight: 900;
  color: var(--green-deep);
  line-height: 1.05;
  letter-spacing: -0.04em;
  margin-bottom: 1rem;
}

.section-subtitle {
  font-size: 1.1rem;
  color: var(--text-mid);
  line-height: 1.7;
  max-width: 560px;
  margin-bottom: 3.5rem;
}

/* ============================================
   HOW IT WORKS
   ============================================ */
.hiw {
  background: var(--cream);
  padding: 3rem 2rem;
}

.hiw-sticky {
  /* no longer sticky — just a wrapper */
}

.hiw-inner {
  max-width: 1280px;
  margin: 0 auto;
  width: 100%;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: start;
}

.hiw-heading .section-subtitle {
  margin-bottom: 0;
}

.hiw-cards {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.hiw-card {
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 8px 32px rgba(0, 61, 50, 0.12);
}

.hiw-card-header {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 1.2rem 1.5rem;
  background: var(--green-deep);
  border-radius: 16px 16px 0 0;
}

.hiw-card-number {
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--accent-warm);
  flex-shrink: 0;
}

.hiw-card-title {
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--white);
  margin: 0;
}

.hiw-card-body {
  max-height: 300px;
  overflow: hidden;
  background: var(--white);
  border-radius: 0 0 16px 16px;
}

.hiw-card-content {
  padding: 0.75rem 1.5rem 0.9rem;
}

.hiw-card-content p {
  font-size: 0.95rem;
  color: var(--text-mid);
  line-height: 1.7;
  margin: 0;
}

/* ============================================
   OPTIONS GRID (WHAT WE DO)
   ============================================ */
.options-section {
  padding: 3rem 2rem;
  background: var(--cream);
}

.options-section .section-subtitle,
.guides-preview .section-subtitle {
  max-width: none;
}

.options-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-top: 3rem;
}

.option-card {
  background: var(--white);
  border-radius: 16px;
  padding: 2.5rem 2rem;
  border: 1px solid rgba(0,61,50,0.06);
  transition: transform 0.3s, box-shadow 0.3s, border-color 0.3s;
  cursor: pointer;
  text-decoration: none;
  color: inherit;
  display: block;
}

.option-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 48px rgba(0, 61, 50, 0.08);
  border-color: var(--green-bright);
}

.option-icon {
  width: 56px;
  height: 56px;
  background: linear-gradient(135deg, var(--green-deep), var(--green-light));
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
  font-size: 1.5rem;
}

.option-card h3 {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--green-deep);
  margin-bottom: 0.6rem;
}

.option-card p {
  font-size: 0.9rem;
  color: var(--text-mid);
  line-height: 1.6;
  margin-bottom: 1rem;
}

.option-link {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--accent-warm);
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
}

/* ============================================
   GUIDES PREVIEW
   ============================================ */
.guides-preview {
  padding: 6rem 2rem;
  background: var(--cream-dark);
}

.guides-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-top: 3rem;
}

.guide-card {
  background: var(--white);
  border-radius: 16px;
  overflow: hidden;
  border: 1px solid rgba(0,61,50,0.06);
  transition: transform 0.3s, box-shadow 0.3s;
  text-decoration: none;
  color: inherit;
  display: block;
}

.guide-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 48px rgba(0, 61, 50, 0.08);
}

.guide-card-img {
  height: 180px;
  overflow: hidden;
  border-radius: 16px 16px 0 0;
}

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

.guide-card-body {
  padding: 1.5rem;
}

.guide-card-tag {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--green-bright);
  margin-bottom: 0.5rem;
}

.guide-card h3 {
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--green-deep);
  line-height: 1.3;
  margin-bottom: 0.5rem;
}

.guide-card p {
  font-size: 0.85rem;
  color: var(--text-mid);
  line-height: 1.6;
}

/* ============================================
   CTA SECTION (HOMEPAGE)
   ============================================ */
.cta-section {
  padding: 6rem 2rem;
  background: var(--green-deep);
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 80vw;
  height: 80vw;
  max-width: 800px;
  max-height: 800px;
  background: radial-gradient(circle, rgba(255, 107, 53, 0.06) 0%, transparent 60%);
  pointer-events: none;
}

.cta-section h2 {
  font-family: var(--font-display);
  font-size: clamp(2.5rem, 5vw, 4rem);
  font-weight: 900;
  color: var(--white);
  line-height: 1.05;
  letter-spacing: -0.04em;
  margin-bottom: 1rem;
  position: relative;
}

.cta-section h2 em {
  font-style: normal;
  color: var(--accent-warm);
}

.cta-section p {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.6);
  max-width: 500px;
  margin: 0 auto 2.5rem;
  line-height: 1.7;
}

.cta-btn {
  display: inline-block;
  background: var(--accent-warm);
  color: var(--white);
  padding: 1rem 2.5rem;
  border-radius: 12px;
  font-family: var(--font-display);
  font-size: 1.05rem;
  font-weight: 700;
  text-decoration: none;
  transition: transform 0.3s, box-shadow 0.3s;
  position: relative;
}

.cta-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 32px rgba(255, 107, 53, 0.4);
}

/* Dark section tag/title overrides */
.testimonials-section .section-tag {
  color: var(--green-glow);
  background: rgba(77, 182, 172, 0.1);
}

.testimonials-section .section-title {
  color: var(--white);
}

.testimonials-section .section-subtitle {
  color: rgba(255,255,255,0.6);
}

/* ============================================
   FULL NAVIGATION (Homepage/standard pages)
   ============================================ */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  padding: 1.1rem 2rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: rgba(0, 61, 50, 0.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.nav-logo {
  font-family: var(--font-display);
  font-weight: 900;
  font-size: 1.35rem;
  color: var(--white);
  text-decoration: none;
  letter-spacing: -0.03em;
}

.nav-logo span { color: var(--accent-warm); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 2rem;
  list-style: none;
}

.nav-links a {
  color: rgba(255, 255, 255, 0.95);
  text-decoration: none;
  font-size: 0.9rem;
  font-weight: 600;
  transition: color 0.2s;
}

.nav-links a:hover { color: var(--white); }

.nav-cta {
  background: var(--accent-warm) !important;
  color: var(--white) !important;
  padding: 0.7rem 1.8rem;
  border-radius: 8px;
  font-weight: 800 !important;
  font-size: 0.9rem !important;
  letter-spacing: -0.01em;
  transition: transform 0.2s, box-shadow 0.2s;
}

.nav-cta:hover {
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(255, 107, 53, 0.4);
}

/* Hamburger toggle — hidden on desktop */
.nav-toggle { display: none; }

/* Dropdown */
.nav-dropdown {
  position: relative;
}

.nav-dropdown-trigger {
  display: flex;
  align-items: center;
  gap: 0.35rem;
}

.nav-dropdown-trigger svg {
  opacity: 0.7;
  transition: transform 0.2s;
}

.nav-dropdown:hover .nav-dropdown-trigger svg {
  transform: rotate(180deg);
}

.nav-dropdown-menu {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%);
  min-width: 200px;
  list-style: none;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition: opacity 0.2s;
  padding-top: 0.75rem;
}

.nav-dropdown-menu::before {
  content: '';
  position: absolute;
  top: 0;
  left: -1rem;
  right: -1rem;
  height: 0.75rem;
}

.nav-dropdown-menu::after {
  content: '';
  position: absolute;
  top: 0.75rem;
  left: 0;
  right: 0;
  bottom: 0;
  background: var(--green-deep);
  border-radius: 10px;
  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.25);
  border: 1px solid rgba(255, 255, 255, 0.1);
  z-index: -1;
}

.nav-dropdown-menu li {
  position: relative;
  z-index: 1;
}

.nav-dropdown:hover .nav-dropdown-menu {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
}

.nav-dropdown-menu li:first-child a {
  padding-top: 1.25rem;
}

.nav-dropdown-menu li:last-child a {
  padding-bottom: 1rem;
}

.nav-dropdown-menu li a {
  display: block;
  padding: 0.6rem 1.25rem;
  font-size: 0.85rem;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.85) !important;
  white-space: nowrap;
  transition: background 0.15s, color 0.15s;
}

.nav-dropdown-menu li a:hover {
  background: rgba(255, 255, 255, 0.1);
  color: var(--white) !important;
}

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

/* ============================================
   LOCATIONS HUB PAGE
   ============================================ */

/* Alphabet bar */
.locations-alpha-bar {
  background: #fff;
  border-bottom: 1px solid #e8e8e8;
  padding: 1rem 2rem;
  position: sticky;
  top: 65px;
  z-index: 10;
}

.locations-alpha-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
}

.locations-alpha-btn {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.95rem;
  width: 2.4rem;
  height: 2.4rem;
  border-radius: 8px;
  border: none;
  background: #f0f4f3;
  color: var(--green-deep);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.15s, color 0.15s, transform 0.1s;
  text-decoration: none;
}

.locations-alpha-btn:hover {
  background: var(--green-deep);
  color: #fff;
  transform: translateY(-1px);
}

.locations-alpha-btn.active {
  background: var(--green-deep);
  color: #fff;
}

.locations-alpha-disabled {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.95rem;
  width: 2.4rem;
  height: 2.4rem;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #ccc;
  cursor: default;
}

/* Main section */
.locations-section {
  min-height: 340px;
  padding: 2.5rem 2rem 4rem;
  background: #f7f9f8;
}

.locations-section-inner {
  max-width: 1100px;
  margin: 0 auto;
}

/* Empty state */
.locations-empty-state {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 1rem;
  padding: 4rem 2rem;
  color: #aab8b4;
  text-align: center;
  font-size: 1.05rem;
}

.locations-empty-state[hidden] {
  display: none;
}

/* Panel label */
.locations-panel-label {
  font-size: 0.85rem;
  font-weight: 600;
  color: #888;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 1.25rem;
}

/* Town grid */
.locations-town-grid {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 0.6rem;
}

.locations-town-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.5rem;
  padding: 0.75rem 1rem;
  background: #fff;
  border: 1px solid #e5eeeb;
  border-radius: 10px;
  color: var(--text-dark);
  text-decoration: none;
  font-size: 0.92rem;
  font-weight: 500;
  transition: border-color 0.15s, box-shadow 0.15s, color 0.15s;
}

.locations-town-card:hover {
  border-color: var(--green-deep);
  box-shadow: 0 2px 8px rgba(0,61,50,0.08);
  color: var(--green-deep);
}

.locations-town-card svg {
  flex-shrink: 0;
  opacity: 0.4;
  transition: opacity 0.15s, transform 0.15s;
}

.locations-town-card:hover svg {
  opacity: 1;
  transform: translateX(2px);
}

.locations-no-results {
  padding: 2rem;
  color: #888;
  text-align: center;
}

.locations-no-results a {
  color: var(--green-deep);
}

@media (max-width: 600px) {
  .locations-alpha-bar {
    top: 58px;
    padding: 0.75rem 1rem;
  }

  .locations-alpha-btn,
  .locations-alpha-disabled {
    width: 2.1rem;
    height: 2.1rem;
    font-size: 0.85rem;
  }

  .locations-town-grid {
    grid-template-columns: 1fr 1fr;
  }
}

/* ============================================
   REMORTGAGE RATES PAGE
   ============================================ */

/* Rate Types Table */
.rates-table-section {
  background: #f7f9f8;
  padding: 5rem 2rem;
}

.rates-table-inner {
  max-width: 1000px;
  margin: 0 auto;
}

.rates-table-heading {
  text-align: center;
  margin-bottom: 2.5rem;
}

.rates-table-heading h2 {
  font-family: var(--font-display);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 800;
  color: var(--text-dark);
  margin: 0.5rem 0 1rem;
}

.rates-table-heading p {
  color: #556;
  max-width: 640px;
  margin: 0 auto;
  line-height: 1.6;
}

.rates-table-wrap {
  overflow-x: auto;
  border-radius: 16px;
  box-shadow: 0 2px 16px rgba(0,0,0,0.07);
}

.rates-table {
  width: 100%;
  border-collapse: collapse;
  background: #fff;
  border-radius: 16px;
  overflow: hidden;
  font-size: 0.95rem;
}

.rates-table thead tr {
  background: var(--green-deep);
  color: #fff;
}

.rates-table th {
  padding: 1rem 1.25rem;
  text-align: left;
  font-weight: 700;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.rates-table td {
  padding: 1rem 1.25rem;
  border-bottom: 1px solid #f0f4f3;
  vertical-align: middle;
  color: var(--text-dark);
}

.rates-table tr:last-child td {
  border-bottom: none;
}

.rates-table-highlight td {
  background: rgba(38, 166, 154, 0.04);
}

.rates-table-svr td {
  background: rgba(255, 107, 53, 0.04);
}

.rate-badge {
  display: inline-block;
  background: var(--green-deep);
  color: #fff;
  padding: 0.25rem 0.75rem;
  border-radius: 999px;
  font-weight: 700;
  font-size: 0.9rem;
  white-space: nowrap;
}

.rate-badge-danger {
  background: #c0392b;
}

.risk-low {
  display: inline-block;
  background: #e8f5e9;
  color: #2e7d32;
  padding: 0.2rem 0.6rem;
  border-radius: 999px;
  font-size: 0.8rem;
  font-weight: 600;
}

.risk-med {
  display: inline-block;
  background: #fff8e1;
  color: #f57f17;
  padding: 0.2rem 0.6rem;
  border-radius: 999px;
  font-size: 0.8rem;
  font-weight: 600;
}

.risk-high {
  display: inline-block;
  background: #fce4ec;
  color: #c62828;
  padding: 0.2rem 0.6rem;
  border-radius: 999px;
  font-size: 0.8rem;
  font-weight: 600;
}

.rates-table-note {
  margin-top: 1rem;
  font-size: 0.82rem;
  color: #888;
  text-align: center;
}

/* Situations Grid */
.rates-situations-section {
  background: #fff;
  padding: 5rem 2rem;
}

.rates-situations-inner {
  max-width: 1100px;
  margin: 0 auto;
}

.rates-situations-inner > h2 {
  font-family: var(--font-display);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 800;
  color: var(--text-dark);
  margin: 0.5rem 0 1rem;
}

.rates-situations-inner > p {
  color: #556;
  max-width: 680px;
  margin-bottom: 2.5rem;
  line-height: 1.6;
}

.rates-situations-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
  gap: 1rem;
}

.rates-situation-card {
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
  padding: 1.4rem 1.5rem;
  background: #f7f9f8;
  border: 1px solid #e5eeeb;
  border-radius: 14px;
  text-decoration: none;
  color: var(--text-dark);
  transition: border-color 0.15s, box-shadow 0.15s, transform 0.15s;
}

.rates-situation-card:hover {
  border-color: var(--green-deep);
  box-shadow: 0 4px 16px rgba(0,61,50,0.1);
  transform: translateY(-2px);
}

.rates-situation-icon {
  font-size: 1.5rem;
  margin-bottom: 0.25rem;
}

.rates-situation-card h3 {
  font-family: var(--font-display);
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--text-dark);
  margin: 0;
}

.rates-situation-card p {
  font-size: 0.85rem;
  color: #667;
  margin: 0;
  line-height: 1.5;
}

.rates-situation-link {
  font-size: 0.83rem;
  font-weight: 600;
  color: var(--green-deep);
  margin-top: 0.25rem;
}

/* Lender SVR Grid */
.lender-svr-section {
  background: var(--green-deep);
  padding: 5rem 2rem;
}

.lender-svr-inner {
  max-width: 1100px;
  margin: 0 auto;
}

.lender-svr-inner .section-tag {
  background: rgba(255,255,255,0.15);
  color: rgba(255,255,255,0.9);
}

.lender-svr-inner > h2 {
  font-family: var(--font-display);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 800;
  color: #fff;
  margin: 0.5rem 0 1rem;
}

.lender-svr-inner > p {
  color: rgba(255,255,255,0.75);
  max-width: 680px;
  margin-bottom: 2.5rem;
  line-height: 1.6;
}

.lender-svr-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 1rem;
}

.lender-svr-card {
  display: flex;
  flex-direction: column;
  gap: 0.3rem;
  padding: 1.25rem 1.5rem;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 14px;
  text-decoration: none;
  transition: background 0.15s, border-color 0.15s;
}

.lender-svr-card:hover {
  background: rgba(255,255,255,0.13);
  border-color: rgba(255,255,255,0.25);
}

.lender-svr-name {
  font-size: 0.82rem;
  font-weight: 600;
  color: rgba(255,255,255,0.65);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.lender-svr-rate {
  font-family: var(--font-display);
  font-size: 1.8rem;
  font-weight: 900;
  color: #ff6b35;
  line-height: 1;
}

.lender-svr-vs {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.55);
}

.lender-svr-link {
  font-size: 0.82rem;
  font-weight: 600;
  color: rgba(255,255,255,0.85);
  margin-top: 0.5rem;
}

.lender-svr-note {
  margin-top: 1.5rem;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.5);
}

.lender-svr-note a {
  color: rgba(255,255,255,0.8);
}

@media (max-width: 700px) {
  .rates-table th:nth-child(3),
  .rates-table td:nth-child(3) {
    display: none;
  }

  .rates-situations-grid {
    grid-template-columns: 1fr 1fr;
  }

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

@media (max-width: 480px) {
  .rates-situations-grid {
    grid-template-columns: 1fr;
  }

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

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

.footer {
  background: var(--text-dark);
  padding: 4rem 2rem 2rem;
}

.footer-inner {
  max-width: 1280px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 3rem;
}

.footer-brand {
  font-family: var(--font-display);
  font-weight: 900;
  font-size: 1.3rem;
  color: var(--white);
  margin-bottom: 1rem;
}

.footer-brand span { color: var(--accent-warm); }

.footer-desc {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.65);
  line-height: 1.65;
  max-width: 320px;
}

.footer h4 {
  font-family: var(--font-display);
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 1rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.footer ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}

.footer ul a {
  color: rgba(255, 255, 255, 0.65);
  text-decoration: none;
  font-size: 0.85rem;
  transition: color 0.2s;
}

.footer ul a:hover { color: var(--white); }

.footer-bottom {
  max-width: 1280px;
  margin: 3rem auto 0;
  padding-top: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
}

.footer-legal {
  font-size: 0.72rem;
  color: rgba(255, 255, 255, 0.55);
  line-height: 1.65;
  margin-bottom: 0.6rem;
}

.footer-warning {
  font-weight: 600;
  text-transform: uppercase;
  margin-bottom: 1rem;
}

/* ============================================
   SITUATION PAGES
   ============================================ */

/* Breadcrumb */
.breadcrumb {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.5);
  margin-bottom: 2rem;
}

.breadcrumb a {
  color: rgba(255, 255, 255, 0.6);
  text-decoration: none;
}

.breadcrumb a:hover {
  color: var(--white);
  text-decoration: underline;
}

.breadcrumb-sep {
  margin: 0 0.5rem;
  color: rgba(255, 255, 255, 0.3);
}

.breadcrumb-short {
  display: none;
}

.breadcrumb-full {
  display: inline;
}

/* Situation Hero */
.situation-hero {
  background: var(--green-deep);
  padding: 6rem 2rem 4rem;
  position: relative;
  overflow: hidden;
}

.situation-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 30% 50%, rgba(0, 121, 107, 0.2) 0%, transparent 60%),
              radial-gradient(ellipse at 80% 20%, rgba(255, 107, 53, 0.05) 0%, transparent 50%);
  pointer-events: none;
}

.situation-hero-inner {
  max-width: 1280px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}

.situation-hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: start;
}

.situation-hero-content h1 {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 900;
  color: var(--white);
  line-height: 1.1;
  letter-spacing: -0.03em;
  margin-bottom: 1.5rem;
}

.situation-intro {
  color: rgba(255, 255, 255, 0.8);
  font-size: 1.05rem;
  line-height: 1.7;
  margin-bottom: 2rem;
}

.situation-intro p {
  margin-bottom: 1rem;
}

.situation-trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 1.5rem;
}

.trust-badge {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.65);
  font-weight: 500;
}

/* Situation Main Content */
.situation-content {
  padding: 4rem 2rem;
  background: var(--cream);
}

.situation-content-inner {
  max-width: 1280px;
  margin: 0 auto;
}

.situation-content h2 {
  font-family: var(--font-display);
  font-size: clamp(1.5rem, 2.5vw, 2rem);
  font-weight: 800;
  color: var(--green-deep);
  line-height: 1.15;
  letter-spacing: -0.02em;
  margin-top: 2.5rem;
  margin-bottom: 1rem;
}

.situation-content h2:first-child {
  margin-top: 0;
}

.situation-content h3 {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--green-deep);
  margin-top: 2rem;
  margin-bottom: 0.75rem;
}

.situation-content p {
  font-size: 1.05rem;
  color: var(--text-mid);
  line-height: 1.8;
  margin-bottom: 1rem;
}

.situation-content ul,
.situation-content ol {
  margin: 1rem 0 1.5rem 1.5rem;
  color: var(--text-mid);
}

.situation-content li {
  font-size: 1.05rem;
  line-height: 1.7;
  margin-bottom: 0.5rem;
}

.situation-content strong {
  color: var(--text-dark);
}

/* Collapsible Content Sections */
.content-section-collapsible {
  margin-bottom: 2rem;
  padding-bottom: 2rem;
  border-bottom: 1px solid rgba(0, 61, 50, 0.08);
}

.content-section-collapsible:last-of-type {
  border-bottom: none;
}

.content-section-body {
  overflow: hidden;
  transition: max-height 0.4s ease;
}

.content-section-body.collapsed {
  max-height: 6.5em;
  -webkit-mask-image: linear-gradient(to bottom, black 40%, transparent 100%);
  mask-image: linear-gradient(to bottom, black 40%, transparent 100%);
}

.content-read-more {
  display: inline-block;
  margin-top: 0.75rem;
  padding: 0.5rem 1.25rem;
  background: var(--green-deep);
  color: var(--white);
  border: none;
  border-radius: 6px;
  font-size: 0.85rem;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.2s;
}

.content-read-more:hover {
  background: var(--green-bright);
}

/* Inline CTA Banner */
.inline-cta {
  margin: 2.5rem 0;
  padding: 2rem 2.5rem;
  background: var(--green-deep);
  border-radius: 16px;
  color: var(--white);
}

.inline-cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
}

.inline-cta-text h3 {
  font-family: var(--font-display);
  font-size: 1.4rem;
  color: var(--white);
  margin: 0 0 0.4rem;
}

.inline-cta-text p {
  color: rgba(255, 255, 255, 0.8);
  font-size: 0.95rem;
  margin: 0;
  line-height: 1.5;
}

.inline-cta .cta-btn-large {
  white-space: nowrap;
  flex-shrink: 0;
}

@media (max-width: 700px) {
  .inline-cta-inner {
    flex-direction: column;
    text-align: center;
  }
}

/* Disclaimer */
.disclaimer {
  margin-top: 3rem;
  padding: 1.5rem;
  background: rgba(0, 61, 50, 0.04);
  border-left: 4px solid var(--green-bright);
  border-radius: 0 8px 8px 0;
}

.disclaimer p {
  font-size: 0.85rem !important;
  color: var(--text-mid) !important;
  line-height: 1.6 !important;
  margin-bottom: 0 !important;
}

.disclaimer-footer {
  max-width: 1280px;
  margin: 0 auto;
  padding: 1.5rem 2rem;
  border-left: none;
  border-radius: 0;
  background: transparent;
  text-align: center;
}

/* Situation CTA */
.situation-cta {
  padding: 4rem 2rem;
  background: var(--green-deep);
  text-align: center;
}

.situation-cta-inner {
  max-width: none;
  margin: 0 auto;
}

.situation-cta h2 {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 3vw, 2.5rem);
  font-weight: 900;
  color: var(--white);
  margin-bottom: 0.75rem;
  letter-spacing: -0.03em;
}

.situation-cta p {
  color: rgba(255, 255, 255, 0.6);
  font-size: 1.05rem;
  margin-bottom: 2rem;
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
}

/* Related Pages */
.related-pages {
  padding: 4rem 2rem;
  background: var(--white);
}

.related-pages-inner {
  max-width: 1280px;
  margin: 0 auto;
}

.related-pages h2 {
  font-family: var(--font-display);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 900;
  color: var(--green-deep);
  text-align: center;
  margin-bottom: 2.5rem;
  letter-spacing: -0.03em;
}

.related-pages-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}

.related-page-card {
  background: var(--cream);
  border-radius: 16px;
  padding: 2rem 1.5rem;
  text-decoration: none;
  border: 1px solid rgba(0, 61, 50, 0.06);
  transition: transform 0.3s, box-shadow 0.3s, border-color 0.3s;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  min-height: 120px;
}

.related-page-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 40px rgba(0, 61, 50, 0.08);
  border-color: var(--green-bright);
}

.related-page-card h3 {
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--green-deep);
  line-height: 1.3;
  margin-bottom: 0.75rem;
}

.related-page-link {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--accent-warm);
}

/* Situation-specific social proof adjustments removed — now uses homepage styles */

/* ============================================
   GUIDE PAGES
   ============================================ */
.guide-hero {
  background: var(--green-deep);
  padding: 6rem 2rem 3rem;
  position: relative;
  overflow: hidden;
}

.guide-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 30% 50%, rgba(0, 121, 107, 0.2) 0%, transparent 60%),
              radial-gradient(ellipse at 80% 20%, rgba(255, 107, 53, 0.05) 0%, transparent 50%);
  pointer-events: none;
}

.guide-hero-inner {
  max-width: 1280px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}

.guide-hero h1 {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 900;
  color: var(--white);
  line-height: 1.1;
  letter-spacing: -0.03em;
  margin-bottom: 1rem;
}

.guide-standfirst {
  font-size: 1.1rem;
  color: rgba(255, 255, 255, 0.75);
  line-height: 1.7;
}

.guide-content {
  padding: 3rem 2rem 4rem;
  background: var(--cream);
}

.guide-content-inner {
  max-width: 1280px;
  margin: 0 auto;
}

.guide-content h2 {
  font-family: var(--font-display);
  font-size: clamp(1.5rem, 2.5vw, 2rem);
  font-weight: 800;
  color: var(--green-deep);
  line-height: 1.15;
  letter-spacing: -0.02em;
  margin-top: 2.5rem;
  margin-bottom: 1rem;
}

.guide-content h2:first-child {
  margin-top: 0;
}

.guide-content h3 {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--green-deep);
  margin-top: 2rem;
  margin-bottom: 0.75rem;
}

.guide-content p {
  font-size: 1.05rem;
  color: var(--text-mid);
  line-height: 1.8;
  margin-bottom: 1rem;
}

.guide-content ul,
.guide-content ol {
  margin: 1rem 0 1.5rem 1.5rem;
  color: var(--text-mid);
}

.guide-content li {
  font-size: 1.05rem;
  line-height: 1.7;
  margin-bottom: 0.5rem;
}

.guide-content strong {
  color: var(--text-dark);
}

.guide-cta {
  padding: 4rem 2rem;
  background: var(--green-deep);
  text-align: center;
}

.guide-cta-inner {
  max-width: 1280px;
  margin: 0 auto;
}

.guide-cta h2 {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 3vw, 2.5rem);
  font-weight: 900;
  color: var(--white);
  margin-bottom: 0.75rem;
  letter-spacing: -0.03em;
}

.guide-cta p {
  color: rgba(255, 255, 255, 0.6);
  font-size: 1.05rem;
  margin-bottom: 2rem;
}

/* ============================================
   GUIDES HUB PAGE
   ============================================ */
.guides-hub-hero {
  background: var(--green-deep);
  padding: 6rem 2rem 3rem;
  position: relative;
  overflow: hidden;
}

.guides-hub-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 30% 50%, rgba(0, 121, 107, 0.2) 0%, transparent 60%),
              radial-gradient(ellipse at 80% 20%, rgba(255, 107, 53, 0.05) 0%, transparent 50%);
  pointer-events: none;
}

.guides-hub-hero-inner {
  max-width: 1100px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}

.guides-hub-hero h1 {
  font-family: var(--font-display);
  font-size: clamp(2.2rem, 4vw, 3.5rem);
  font-weight: 900;
  color: var(--white);
  line-height: 1.1;
  letter-spacing: -0.03em;
  margin-bottom: 1rem;
}

.guides-hub-standfirst {
  font-size: 1.15rem;
  color: rgba(255, 255, 255, 0.75);
  line-height: 1.6;
}

/* Lender search input */
.lender-search-wrap {
  position: relative;
  max-width: 500px;
  margin-top: 1.5rem;
}

.lender-search-input {
  width: 100%;
  padding: 0.9rem 1.2rem 0.9rem 2.8rem;
  border: 2px solid rgba(255, 255, 255, 0.2);
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.1);
  color: var(--white);
  font-family: var(--font-body);
  font-size: 1rem;
  outline: none;
  transition: border-color 0.2s, background 0.2s;
}

.lender-search-input::placeholder {
  color: rgba(255, 255, 255, 0.5);
}

.lender-search-input:focus {
  border-color: var(--accent-warm);
  background: rgba(255, 255, 255, 0.15);
}

.lender-search-icon {
  position: absolute;
  left: 0.9rem;
  top: 50%;
  transform: translateY(-50%);
  color: rgba(255, 255, 255, 0.5);
  pointer-events: none;
}

.lender-no-results {
  text-align: center;
  color: var(--text-mid);
  font-size: 1.1rem;
  padding: 2rem;
}

.guides-hub-nav {
  background: var(--white);
  border-bottom: 1px solid rgba(0, 0, 0, 0.08);
  padding: 1rem 2rem;
  position: sticky;
  top: 70px;
  z-index: 99;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
  -ms-overflow-style: none;
  -webkit-mask-image: linear-gradient(to right, black 85%, transparent 100%);
  mask-image: linear-gradient(to right, black 85%, transparent 100%);
}

.guides-hub-nav::-webkit-scrollbar {
  display: none;
}

.guides-hub-nav-inner {
  display: flex;
  gap: 0.5rem;
  flex-wrap: nowrap;
  width: max-content;
  margin: 0 auto;
  padding-right: 3rem;
}

.guides-hub-pill {
  display: inline-block;
  padding: 0.5rem 1rem;
  border-radius: 100px;
  background: var(--cream);
  color: var(--green-deep);
  font-size: 0.85rem;
  font-weight: 600;
  text-decoration: none;
  white-space: nowrap;
  transition: background 0.2s, color 0.2s;
}

.guides-hub-pill:hover {
  background: var(--green-deep);
  color: var(--white);
}

.guides-hub-content {
  background: var(--cream);
  padding: 3rem 2rem 4rem;
}

.guides-hub-content-inner {
  max-width: 1100px;
  margin: 0 auto;
}

.guides-hub-category {
  margin-bottom: 3rem;
  scroll-margin-top: 150px;
}

.guides-hub-category h2 {
  font-family: var(--font-display);
  font-size: clamp(1.5rem, 2.5vw, 2rem);
  font-weight: 800;
  color: var(--green-deep);
  margin-bottom: 1.25rem;
  padding-bottom: 0.75rem;
  border-bottom: 2px solid var(--green-deep);
}

.guides-hub-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
}

.guides-hub-card {
  background: var(--white);
  border-radius: 12px;
  padding: 1.25rem 1.5rem;
  text-decoration: none;
  display: flex;
  flex-direction: column;
  transition: transform 0.2s, box-shadow 0.2s;
}

.guides-hub-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.08);
}

.guides-hub-card h3 {
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 700;
  color: var(--green-deep);
  line-height: 1.3;
  margin-bottom: 0.5rem;
}

.guides-hub-card p {
  font-size: 0.8rem;
  color: var(--mid-tone);
  line-height: 1.5;
  flex: 1;
  margin-bottom: 0.75rem;
}

.guides-hub-card-link {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--accent-warm);
}

.guides-view-all {
  display: inline-block;
  font-family: var(--font-display);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--accent-warm);
  text-decoration: none;
  transition: color 0.2s;
}

.guides-view-all:hover {
  color: var(--green-deep);
}

/* ============================================
   RESPONSIVE — MOBILE
   ============================================ */
@media (max-width: 900px) {
  .landing-hero-inner {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  /* On mobile, content (headline + bullets) first, form below */
  .landing-hero-content {
    order: 1;
  }

  .landing-start-here {
    order: 2;
    display: flex;
    align-items: center;
    gap: 0.3rem;
    justify-content: center;
    margin-top: -1.5rem;
    margin-bottom: -1.5rem;
  }

  .landing-hero .hero-bullets {
    margin-bottom: 0;
  }

  .hero-form-card,
  .hero-form-wrapper {
    order: 3;
  }

  .testimonials-grid {
    grid-template-columns: 1fr 1fr;
  }

  .how-steps {
    flex-direction: column;
    align-items: center;
    gap: 1rem;
  }

  .how-step {
    width: 280px;
    align-items: flex-start;
  }

  .how-step-connector {
    width: 12px;
    min-width: 12px;
    height: 30px;
    padding: 0.2rem 0;
    transform: rotate(90deg);
  }

  .lender-bar-inner {
    gap: 1rem;
  }

  .lender-logo {
    height: 22px;
  }
  .logo-halifax  { height: 24px; }
  .logo-barclays { height: 56px; }

  .as-seen-in-inner {
    gap: 1.5rem;
  }

  .footer-inner {
    grid-template-columns: 1fr 1fr;
  }

  /* --- Mobile hamburger toggle --- */
  .nav-toggle {
    display: flex;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 6px;
    z-index: 110;
  }
  .nav-toggle-bar {
    display: block;
    width: 24px;
    height: 3px;
    background: #ffffff;
    border-radius: 2px;
    transition: transform 0.3s, opacity 0.3s;
  }
  .nav-toggle-active .nav-toggle-bar:nth-child(1) {
    transform: translateY(7.5px) rotate(45deg);
  }
  .nav-toggle-active .nav-toggle-bar:nth-child(2) {
    opacity: 0;
  }
  .nav-toggle-active .nav-toggle-bar:nth-child(3) {
    transform: translateY(-7.5px) rotate(-45deg);
  }

  /* --- Mobile slide-out menu --- */
  .nav-links {
    display: flex;
    flex-direction: column;
    position: fixed;
    top: 0;
    right: -100%;
    width: 280px;
    height: 100dvh;
    background: var(--green-deep);
    padding: 5rem 1.5rem 2rem;
    gap: 0;
    transition: right 0.3s ease;
    overflow-y: auto;
    box-shadow: -4px 0 24px rgba(0,0,0,0.3);
    z-index: 105;
  }
  .nav-links.nav-open {
    right: 0;
  }
  .nav-links > li {
    border-bottom: 1px solid rgba(255,255,255,0.1);
  }
  .nav-links > li > a,
  .nav-links > li > .nav-dropdown-trigger {
    display: block;
    padding: 1rem 0;
    font-size: 1.15rem;
  }

  /* Mobile dropdown sub-menus */
  .nav-dropdown-menu {
    position: static !important;
    opacity: 1 !important;
    visibility: visible !important;
    pointer-events: auto !important;
    transform: none !important;
    background: none;
    box-shadow: none;
    border-radius: 0;
    padding: 0 0 0.5rem 1rem;
    display: none;
    min-width: 0;
    transition: none;
  }
  .nav-dropdown-menu::before,
  .nav-dropdown-menu::after { display: none; }
  .nav-dropdown:hover .nav-dropdown-menu {
    display: none;
  }
  .nav-dropdown-open .nav-dropdown-menu,
  .nav-dropdown-open:hover .nav-dropdown-menu {
    display: block !important;
  }
  .nav-dropdown-menu li a {
    padding: 0.6rem 0 !important;
    font-size: 1.05rem;
    border-radius: 0 !important;
  }
  .nav-dropdown-menu li a:hover {
    background: none !important;
    color: var(--accent-warm) !important;
  }
  .nav-dropdown-menu li:first-child a { border-radius: 0 !important; }
  .nav-dropdown-menu li:last-child a { border-radius: 0 !important; }

  /* CTA buttons full width on mobile */
  .nav-links .nav-calc {
    margin-top: 1.5rem;
    text-align: center;
    display: block;
    padding: 1rem 1.5rem !important;
    font-size: 1.05rem !important;
    border-radius: 10px !important;
  }
  .nav-links .nav-cta {
    margin-top: 0.75rem;
    text-align: center;
    display: block;
    padding: 1rem 1.5rem !important;
    font-size: 1.05rem !important;
    border-radius: 10px !important;
  }

  /* Overlay behind menu */
  body.nav-overlay-active::before {
    content: '';
    position: fixed;
    inset: 0;
    background: rgba(0,0,0,0.4);
    z-index: 99;
    pointer-events: auto;
  }

  .hero-arrow { display: none; }

  .situation-hero-grid {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }
  .situation-hero-grid .situation-hero-content { order: 1; }
  .situation-hero-grid .situation-hero-stats { order: 2; }
  .situation-hero-grid .situation-start-here { order: 3; }
  .situation-hero-grid .hero-form-card { order: 4; }

  .situation-hero {
    padding: 5rem 1.25rem 2rem;
  }

  .situation-hero .situation-intro {
    font-size: 18px;
    line-height: 28px;
  }

  .situation-hero .situation-intro p {
    margin-bottom: 0.5rem;
  }

  .related-pages-grid {
    grid-template-columns: 1fr 1fr;
  }


  .hero-inner {
    grid-template-columns: 1fr;
    grid-template-rows: auto;
    gap: 0.5rem;
  }
  .hero-inner .hero-content,
  .hero-inner .hero-form-wrapper,
  .hero-inner .hero-stats {
    grid-column: 1;
    grid-row: auto;
  }
  .hero-inner .hero-content { order: 1; }
  .hero-inner .hero-stats { order: 2; }
  .hero-inner .hero-start-here { order: 3; }
  .hero-inner .hero-form-wrapper { order: 4; }
  .hero { padding-top: 5rem; padding-bottom: 2rem; overflow-x: hidden; }
  .hero-inner { min-width: 0; }
  .hero-content { max-width: 100%; min-width: 0; overflow-wrap: break-word; word-wrap: break-word; }
  .options-grid, .guides-grid { grid-template-columns: 1fr; }

  .guides-hub-grid { grid-template-columns: repeat(2, 1fr); }
  .guides-hub-hero { padding: 5rem 1.5rem 2.5rem; }

  .hiw {
    padding: 2.5rem 1.5rem;
  }

  .hiw-inner {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }

  .hiw-heading {
    text-align: center;
  }

  .hiw-heading .section-subtitle {
    margin-left: auto;
    margin-right: auto;
  }

  .hiw-card-body {
    max-height: 0;
    transition: max-height 0.5s cubic-bezier(0.4, 0, 0.2, 1);
  }

  .hiw-card.active .hiw-card-body {
    max-height: 300px;
  }

  .hiw-card-header {
    cursor: pointer;
    border-radius: 16px;
    transition: border-radius 0.3s ease;
  }

  .hiw-card.active .hiw-card-header {
    border-radius: 16px 16px 0 0;
  }

  .hiw-card:not(.active) {
    box-shadow: none;
  }
  .hero-stats { gap: 0; flex-wrap: wrap; }
  .hero-stat + .hero-stat { margin-left: 0.5rem; }
  .hero-form-wrapper {
    max-width: 100%;
    width: 100%;
    margin: 0 auto;
    padding: 0.75rem;
    border-radius: 16px;
    box-sizing: border-box;
  }
  .hero-form-wrapper heyflow-wrapper,
  .hero-form-card heyflow-wrapper {
    width: 100% !important;
    min-width: 0;
    display: block;
  }
  .hero-form-card {
    width: 100%;
    padding: 0.5rem;
    box-sizing: border-box;
    border-radius: 16px;
  }
  .bento-wide { flex-direction: column; }
  .bento-wide .bento-card-content { flex: none; width: 100%; }
  .bento-wide .bento-visual { flex: none; width: 100%; max-height: 150px; }
  .trust-bar { padding: 0.75rem 0.75rem; }
  .trust-bar-inner { gap: 0.6rem; flex-wrap: nowrap; justify-content: center; }
  .trust-bar-logo { height: 11px; }
  .trust-logo-halifax { height: 14px; }
  .trust-logo-barclays { height: 32px; }
  .trust-logo-natwest { height: 24px; }
  .trust-logo-mobile-hide { display: none; }
  .trust-logo-lloyds { height: 20px; }
  .trust-logo-virgin { height: 24px; }
}

@media (max-width: 600px) {
  .breadcrumb-full { display: none; }
  .breadcrumb-short { display: inline; }
  .breadcrumb { white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }

  .as-seen-in {
    padding: 0.6rem 0.75rem;
  }
  .as-seen-in-inner {
    gap: 0.5rem;
    flex-wrap: nowrap;
    justify-content: center;
  }
  .as-seen-in-label {
    font-size: 0.6rem;
  }
  .as-seen-in-logo {
    font-size: 0.75rem;
  }
  .as-seen-in-logo.the-sun {
    font-size: 0.65rem;
    padding: 0.1rem 0.3rem;
  }

  .landing-hero-content h1 {
    font-size: 1.8rem;
  }
  .landing-hero-content .subtitle {
    font-size: 20px;
    line-height: 1.15;
  }
  .hero-bullets li {
    font-size: 18px;
  }

  .testimonials-grid {
    grid-template-columns: 1fr;
  }

  .lender-bar {
    padding: 0.3rem 0.75rem;
    height: 32px;
  }

  .lender-bar-inner {
    gap: 0;
    justify-content: space-between;
    padding: 0 0.25rem;
  }

  .lender-logo {
    flex: none;
    height: 14px;
    max-width: 50px;
    object-fit: contain;
  }
  .logo-halifax    { height: 16px; }
  .logo-barclays   { height: 38px; }
  .logo-nationwide { height: 14px; }
  .logo-hsbc       { height: 16px; }
  .logo-santander  { height: 15px; }
  .logo-rbs        { height: 16px; }

  .trust-bar-logo { height: 16px; }
  .trust-logo-halifax { height: 20px; }
  .trust-logo-barclays { height: 44px; }
  .trust-logo-natwest { height: 34px; }
  .trust-logo-lloyds { height: 20px; }
  .trust-logo-virgin { height: 26px; }
  .trust-bar-inner { gap: 1rem; }
  .trust-bar span { font-size: 0.85rem; }

  .footer-inner {
    grid-template-columns: 1fr;
  }

  .situation-hero-content h1 {
    font-size: 2rem;
  }

  .situation-hero .hero-badges { flex-direction: column; align-items: flex-start; gap: 0.5rem; margin-top: 0.5rem; }
  .situation-hero .hero-badge:nth-child(2) { display: none; }

  .situation-hero .hero-form-card {
    max-width: 100%;
    width: 100%;
    padding: 0.75rem;
    border-radius: 16px;
  }

  .related-pages-grid {
    grid-template-columns: 1fr;
  }

  .guides-hub-grid { grid-template-columns: 1fr; }
  .guides-hub-nav-inner { gap: 0.4rem; }
  .guides-hub-pill { font-size: 0.75rem; padding: 0.4rem 0.8rem; }

  .situation-trust-badges {
    flex-direction: column;
    gap: 0.75rem;
  }

  .landing-topbar {
    padding: 0.8rem 1rem;
  }
  .landing-logo img {
    height: 32px;
  }
  .landing-logo-text {
    font-size: 1.1rem;
  }
  .landing-logo-tagline {
    font-size: 0.65rem;
  }
  .landing-logo {
    gap: 0.4rem;
  }
  .google-reviews-img {
    height: 44px;
  }

  .landing-hero {
    padding: 2rem 1rem 3rem;
  }

  .hero-content { max-width: 100%; overflow-wrap: break-word; word-wrap: break-word; }
  .hero-content h1 { font-size: 2.5rem; max-width: 100%; }
  .hero-content > p { font-size: 18px; line-height: 28px; margin-bottom: 0.5rem; max-width: 100%; }
  .hero-badges { flex-direction: column; align-items: flex-start; gap: 0.5rem; margin-top: 0.5rem; }
  .hero-badge:nth-child(2) { display: none; }
  .hero-stats { flex-direction: column; gap: 0.4rem; margin-top: 1.125rem; }
  .hero-stat + .hero-stat { margin-left: 0; }
  .hero-stat {
    display: flex;
    align-items: center;
    gap: 0.6rem;
    text-align: left;
    padding: 0.5rem 0.9rem;
  }
  .hero-stat strong {
    display: inline;
    font-size: 1.4rem;
    margin-bottom: 0;
    white-space: nowrap;
  }
  .hero-stat span {
    font-size: 0.75rem;
  }
  .hero { padding: 4.5rem 1.25rem 2rem; }

  .cta-btn-large {
    white-space: nowrap;
    padding: 1rem 2rem;
    font-size: 1rem;
  }

  .hero-start-here {
    display: flex;
    align-items: center;
    gap: 0.3rem;
    margin-top: 1rem;
    grid-column: 1;
    justify-content: center;
  }
  .hero-start-here-text {
    font-family: 'Caveat', cursive;
    font-size: 2.4rem;
    color: var(--white);
    font-weight: 700;
    opacity: 0.9;
    line-height: 1;
    padding-bottom: 0.15em;
  }
  .hero-start-here-arrow {
    width: 70px;
    height: 65px;
    opacity: 0.85;
  }

  /* Tighter section padding on small phones */
  .faq-section { padding: 2.5rem 1.25rem; }
  .faq-inner { padding: 0; }
  .footer { padding: 2.5rem 1.25rem 1.5rem; }
  .footer-inner { gap: 2rem; }
  .options-section { padding: 2rem 1.25rem; }
  .reasons-section { padding: 2rem 1rem; }
  .social-proof { padding: 2rem 1.25rem; }
  .guides-preview { padding: 2rem 1.25rem; }
  .bento-card { padding: 1.5rem; }

  /* Compact CTA banner on mobile */
  .cta-section { padding: 2.5rem 1.5rem; }
  .cta-section h2 { font-size: 1.8rem; line-height: 1.15; margin-bottom: 0.5rem; }
  .cta-section p { margin: 0 auto 1.25rem; font-size: 0.95rem; line-height: 1.5; }

  /* Compact mid-page CTA on mobile */
  .situation-cta { padding: 2rem 1.5rem; }
  .situation-cta h2 { font-size: 1.6rem; line-height: 1.15; margin-bottom: 0.4rem; }
  .situation-cta p { font-size: 0.9rem; margin-bottom: 1rem; line-height: 1.4; }

  /* Tighter hero on guide/privacy/terms pages */
  .guide-hero { padding: 2.5rem 1.25rem 1.5rem; }
  .guide-hero h1 { line-height: 1.05; margin-bottom: 0.5rem; }
  .guide-standfirst { font-size: 1rem; line-height: 1.4; }

  /* Limit guides/situation cards to 5 on mobile */
  .related-pages-grid .related-page-card:nth-child(n+6) { display: none; }
}

/* ============================================
   ABOUT PAGE
   ============================================ */
.about-hero {
  background: var(--green-deep);
  color: var(--white);
  padding: 7rem 2rem 3rem;
}

.about-hero-inner {
  max-width: 1280px;
  margin: 0 auto;
}

.about-hero h1 {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 800;
  margin-bottom: 1rem;
}

.about-standfirst {
  font-size: 1.15rem;
  opacity: 0.9;
  line-height: 1.7;
}

.about-content {
  padding: 3rem 2rem 4rem;
}

.about-content-inner {
  max-width: 1280px;
  margin: 0 auto;
}

.about-section {
  margin-bottom: 3rem;
}

.about-section h2 {
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--green-deep);
  margin-bottom: 1rem;
}

.about-section p {
  color: var(--text-mid);
  line-height: 1.8;
  margin-bottom: 1rem;
}

.about-values-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
  margin-top: 1.5rem;
}

.about-value-card {
  background: var(--white);
  border-radius: 12px;
  padding: 1.75rem;
  border: 1px solid rgba(0, 61, 50, 0.08);
}

.about-value-card h3 {
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--green-deep);
  margin-bottom: 0.5rem;
}

.about-value-card p {
  font-size: 0.95rem;
  color: var(--text-mid);
  line-height: 1.7;
  margin-bottom: 0;
}

@media (max-width: 640px) {
  .about-values-grid { grid-template-columns: 1fr; }
  .about-hero { padding: 2.5rem 1.25rem 1.5rem; }
  .about-hero h1 { line-height: 1.05; margin-bottom: 0.5rem; }
  .about-standfirst { font-size: 1rem; line-height: 1.4; }
}

/* ============================================
   CONTACT PAGE
   ============================================ */
.contact-hero {
  background: var(--green-deep);
  color: var(--white);
  padding: 7rem 2rem 3rem;
}

.contact-hero-inner {
  max-width: 1280px;
  margin: 0 auto;
}

.contact-hero h1 {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 800;
  margin-bottom: 1rem;
}

.contact-standfirst {
  font-size: 1.15rem;
  opacity: 0.9;
  line-height: 1.7;
}

.contact-content {
  padding: 3rem 2rem 4rem;
}

.contact-content-inner {
  max-width: 1280px;
  margin: 0 auto;
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 3rem;
  align-items: start;
}

.contact-info h2 {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--green-deep);
  margin-bottom: 1rem;
}

.contact-info > p {
  color: var(--text-mid);
  line-height: 1.8;
  margin-bottom: 2rem;
}

.contact-details {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.contact-detail {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
}

.contact-detail-icon {
  width: 48px;
  height: 48px;
  background: var(--green-deep);
  color: var(--white);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-detail h3 {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--green-deep);
  margin-bottom: 0.25rem;
}

.contact-detail a {
  color: var(--text-mid);
  text-decoration: none;
  font-size: 1.05rem;
  transition: color 0.2s;
}

.contact-detail a:hover {
  color: var(--green-deep);
}

.contact-form-wrap {
  background: var(--white);
  border-radius: 16px;
  padding: 2rem;
  border: 1px solid rgba(0, 61, 50, 0.08);
}

.contact-form-wrap h2 {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--green-deep);
  margin-bottom: 1.5rem;
}

.contact-form-group {
  margin-bottom: 1.25rem;
}

.contact-form-group label {
  display: block;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--text-dark);
  margin-bottom: 0.4rem;
}

.contact-form-group .optional {
  font-weight: 400;
  color: var(--text-mid);
  font-size: 0.85rem;
}

.contact-form-group input,
.contact-form-group textarea {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1px solid rgba(0, 61, 50, 0.15);
  border-radius: 8px;
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--text-dark);
  background: var(--cream);
  transition: border-color 0.2s;
}

.contact-form-group input:focus,
.contact-form-group textarea:focus {
  outline: none;
  border-color: var(--green-bright);
}

.contact-form-group textarea {
  resize: vertical;
  min-height: 120px;
}

.contact-submit {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.85rem 2rem;
  background: var(--green-deep);
  color: var(--white);
  border: none;
  border-radius: 8px;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1rem;
  cursor: pointer;
  transition: background 0.2s;
}

.contact-submit:hover {
  background: var(--green-mid);
}

@media (max-width: 768px) {
  .contact-grid { grid-template-columns: 1fr; gap: 2rem; }
  .contact-hero { padding: 2.5rem 1.25rem 1.5rem; }
  .contact-hero h1 { line-height: 1.05; margin-bottom: 0.5rem; }
  .contact-standfirst { font-size: 1rem; line-height: 1.4; }
}

/* ============================================
   BLOG PAGES
   ============================================ */
.blog-hero {
  background: var(--green-deep);
  color: var(--white);
  padding: 7rem 2rem 3rem;
}

.blog-hero-inner {
  max-width: 1280px;
  margin: 0 auto;
}

.blog-hero h1 {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 800;
  margin-bottom: 1rem;
}

.blog-standfirst {
  font-size: 1.15rem;
  opacity: 0.9;
  line-height: 1.7;
}

.blog-content {
  padding: 3rem 2rem 4rem;
}

.blog-content-inner {
  max-width: 1280px;
  margin: 0 auto;
}

.blog-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
}

.blog-card {
  background: var(--white);
  border-radius: 16px;
  padding: 2rem;
  text-decoration: none;
  border: 1px solid rgba(0, 61, 50, 0.08);
  transition: transform 0.2s, box-shadow 0.2s;
  display: flex;
  flex-direction: column;
}

.blog-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(0, 61, 50, 0.08);
}

.blog-card-meta {
  margin-bottom: 0.75rem;
}

.blog-card-meta time {
  font-size: 0.85rem;
  color: var(--green-bright);
  font-weight: 600;
}

.blog-card h2 {
  font-family: var(--font-display);
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--green-deep);
  line-height: 1.4;
  margin-bottom: 0.75rem;
}

.blog-card p {
  font-size: 0.9rem;
  color: var(--text-mid);
  line-height: 1.6;
  flex-grow: 1;
  margin-bottom: 1rem;
}

.blog-card-link {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--accent-warm);
}

/* Blog Post Hero */
.blog-post-hero {
  background: var(--green-deep);
  color: var(--white);
  padding: 7rem 2rem 3rem;
}

.blog-post-hero-inner {
  max-width: 1280px;
  margin: 0 auto;
}

.blog-post-hero h1 {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 3.5vw, 2.5rem);
  font-weight: 800;
  margin-bottom: 1rem;
  line-height: 1.25;
}

.blog-post-date {
  display: inline-block;
  font-size: 0.9rem;
  color: var(--green-glow);
  font-weight: 600;
  margin-bottom: 1rem;
}

@media (max-width: 768px) {
  .blog-grid { grid-template-columns: 1fr; }
  .blog-hero { padding: 5rem 1.25rem 2rem; }
  .blog-post-hero { padding: 5rem 1.25rem 2rem; }
}

/* ============================================
   CALCULATOR CTA BANNER (guides/blogs)
   ============================================ */
.calc-cta-banner {
  background: linear-gradient(135deg, var(--green-mid) 0%, var(--green-deep) 100%);
  border-radius: 16px;
  padding: 1.5rem 2rem;
  margin: 0 auto 2rem;
  max-width: 1280px;
}

.calc-cta-inner {
  display: flex;
  align-items: center;
  gap: 1.25rem;
}

.calc-cta-icon {
  width: 48px;
  height: 48px;
  background: rgba(255, 255, 255, 0.12);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--green-glow);
}

.calc-cta-text { flex: 1; }

.calc-cta-text h3 {
  font-family: var(--font-display);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 0.2rem;
}

.calc-cta-text p {
  font-size: 0.85rem;
  color: var(--green-glow);
  margin: 0;
}

.calc-cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.7rem 1.5rem;
  background: var(--accent-warm);
  color: var(--white) !important;
  text-decoration: none;
  border-radius: 8px;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.9rem;
  white-space: nowrap;
  transition: transform 0.2s, box-shadow 0.2s;
}

.calc-cta-btn:hover {
  transform: translateY(-1px);
  box-shadow: 0 4px 12px rgba(255, 107, 53, 0.4);
}

/* Nav Calculator Link */
.nav-calc {
  background: var(--green-bright) !important;
  color: var(--white) !important;
  padding: 0.55rem 1.2rem !important;
  border-radius: 8px !important;
  font-weight: 700 !important;
  font-size: 0.85rem !important;
  text-decoration: none !important;
  transition: transform 0.2s, box-shadow 0.2s, background 0.2s !important;
  white-space: nowrap;
}

.nav-calc:hover {
  background: var(--green-light) !important;
  transform: translateY(-1px) !important;
  box-shadow: 0 4px 12px rgba(38, 166, 154, 0.35) !important;
}

@media (max-width: 640px) {
  .calc-cta-inner {
    flex-direction: column;
    text-align: center;
  }
  .calc-cta-icon { display: none; }
}

/* ============================================
   GLOSSARY
   ============================================ */
.glossary-list {
  margin-bottom: 2rem;
}

.glossary-list dt {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--green-deep);
  margin-top: 1.25rem;
  margin-bottom: 0.3rem;
}

.glossary-list dt:first-child {
  margin-top: 0;
}

.glossary-list dd {
  color: var(--text-mid);
  line-height: 1.7;
  margin-left: 0;
  padding-bottom: 1rem;
  border-bottom: 1px solid rgba(0, 61, 50, 0.06);
}