:root {
  color-scheme: light;
  --navy: #121926;
  --navy-2: #1d2738;
  --blue: #1f2a44;
  --blue-2: #2f3f5f;
  --brand-yellow: #f6c84e;
  --brand-yellow-strong: #eab938;
  --slate: #3b4250;
  --slate-2: #4b5563;
  --bg: #fff6cf;
  --bg-alt: #ffe8a6;
  --text: #1f2937;
  --muted: #4b5563;
  --card: #fffdf4;
  --border: #e6cf7c;
  --success: #1c7c54;
  --warning: #9a5c0a;
  --shadow: 0 18px 36px rgba(77, 52, 10, 0.14);
  --radius: 16px;
  --transition: 200ms ease;
}

[data-theme="dark"] {
  color-scheme: dark;
  --bg: #0b0f16;
  --bg-alt: #111a26;
  --text: #f5f7fb;
  --muted: #a2adbd;
  --card: #121a27;
  --border: #1f2a3d;
  --shadow: 0 20px 40px rgba(0, 0, 0, 0.35);
}

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

body {
  font-family: "Manrope", "Segoe UI", sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
  min-height: 100vh;
}

body::before {
  content: "";
  position: fixed;
  inset: 0;
  background: radial-gradient(circle at 20% 20%, rgba(246, 200, 78, 0.28), transparent 55%),
    radial-gradient(circle at 80% 10%, rgba(234, 185, 56, 0.22), transparent 50%),
    linear-gradient(140deg, rgba(77, 52, 10, 0.06), rgba(255, 255, 255, 0));
  pointer-events: none;
  z-index: -1;
}

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

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

:focus-visible {
  outline: 2px solid rgba(31, 42, 68, 0.45);
  outline-offset: 2px;
}

ul {
  list-style: none;
}

button,
input,
select,
textarea {
  font-family: inherit;
}

.container {
  width: min(1200px, 92%);
  margin: 0 auto;
}

.section {
  padding: 80px 0;
}

.section-sm {
  padding: 50px 0;
}

.section-title {
  font-size: clamp(2rem, 3vw, 2.7rem);
  margin-bottom: 12px;
}

.section-kicker {
  color: var(--blue);
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  font-size: 0.85rem;
}

.text-muted {
  color: var(--muted);
}

.mt-md {
  margin-top: 16px;
}

.mt-lg {
  margin-top: 24px;
}

.grid {
  display: grid;
  gap: 24px;
}

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

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

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

.card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  box-shadow: var(--shadow);
  transition: transform var(--transition), box-shadow var(--transition);
}

.card:hover {
  transform: translateY(-4px);
  box-shadow: 0 24px 50px rgba(15, 27, 45, 0.16);
}

.badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 12px;
  border-radius: 999px;
  background: rgba(31, 42, 68, 0.12);
  color: var(--blue);
  font-weight: 600;
  font-size: 0.85rem;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 20px;
  border-radius: 999px;
  border: 1px solid transparent;
  font-weight: 600;
  cursor: pointer;
  transition: transform var(--transition), box-shadow var(--transition), background var(--transition);
}

.btn-primary {
  background: var(--blue);
  color: #fff;
  box-shadow: 0 14px 30px rgba(31, 42, 68, 0.3);
}

.btn-primary:hover {
  transform: translateY(-2px);
}

.btn-secondary {
  background: transparent;
  border-color: var(--blue);
  color: var(--blue);
}

.btn-ghost {
  background: transparent;
  border-color: var(--border);
  color: var(--text);
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  border: 0;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: var(--brand-yellow);
  border-bottom: 1px solid rgba(17, 24, 39, 0.12);
}

[data-theme="dark"] .site-header {
  background: var(--brand-yellow);
}

.site-header,
.site-header .nav-link,
.site-header .logo-title {
  color: #111827;
}

.site-header .nav-link.active,
.site-header .nav-link:hover,
.site-header .nav-group.active summary {
  color: #0f1b2d;
}

.site-header .nav-toggle {
  border-color: rgba(17, 24, 39, 0.2);
}

.site-header .nav-toggle-bar {
  background: #111827;
}

.site-header .nav-cta {
  border-left: 1px solid rgba(17, 24, 39, 0.18);
}

.site-header .btn-ghost {
  border-color: rgba(17, 24, 39, 0.2);
}

.site-header .theme-trigger,
.site-header .theme-select {
  background: #fff;
  color: #111827;
  border-color: rgba(17, 24, 39, 0.2);
}

.site-header .theme-menu {
  background: #fff;
  border-color: rgba(17, 24, 39, 0.2);
}

.site-header .theme-option {
  color: #111827;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 18px 0;
}

.logo {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
}

.logo img {
  height: 48px;
  width: auto;
  object-fit: contain;
}

.logo-text {
  display: none;
  flex-direction: column;
  line-height: 1;
}

.logo-title {
  font-size: 0.95rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--text);
}

.logo-subtitle {
  font-size: 0.7rem;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--blue);
  font-weight: 700;
}

@media (min-width: 960px) {
  .logo-text {
    display: flex;
  }
}

.footer-logo .logo-text {
  display: flex;
}

.primary-nav {
  display: flex;
  align-items: center;
  gap: 16px;
  flex: 1;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-left: auto;
}

.nav-link {
  font-weight: 600;
  color: var(--text);
  font-size: 0.95rem;
  transition: color var(--transition);
}

.nav-link:hover,
.nav-link.active {
  color: var(--blue);
}

.nav-group.active summary {
  color: var(--blue);
}

.nav-group {
  position: relative;
}

.nav-group summary {
  list-style: none;
  cursor: pointer;
  font-weight: 600;
}

.nav-group summary::-webkit-details-marker {
  display: none;
}

.nav-submenu {
  position: absolute;
  top: 40px;
  left: 0;
  min-width: 220px;
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 12px;
  display: grid;
  gap: 8px;
  box-shadow: var(--shadow);
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: var(--transition);
}

.nav-group[open] .nav-submenu,
.nav-group:hover .nav-submenu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.nav-submenu a {
  padding: 6px 8px;
  border-radius: 8px;
}

.nav-submenu a:hover {
  background: var(--bg-alt);
}

.nav-cta {
  display: flex;
  gap: 10px;
  align-items: center;
  margin-left: 0;
  padding-left: 16px;
  border-left: 1px solid var(--border);
}

.nav-cta .btn {
  padding: 10px 16px;
  font-size: 0.95rem;
}

.theme-dropdown {
  position: relative;
}

.theme-trigger {
  border: 1px solid var(--border);
  background: var(--card);
  color: var(--text);
  padding: 10px 14px;
  border-radius: 999px;
  font-weight: 600;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  white-space: nowrap;
}

.theme-select-label {
  display: none;
  width: 100%;
}

.theme-select {
  width: 100%;
  border: 1px solid var(--border);
  background: var(--card);
  color: var(--text);
  padding: 10px 14px;
  border-radius: 999px;
  font-weight: 600;
}

.theme-menu {
  position: absolute;
  right: 0;
  top: calc(100% + 10px);
  min-width: 160px;
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 8px;
  display: none;
  gap: 6px;
  box-shadow: var(--shadow);
  z-index: 15;
}

.theme-dropdown.is-open .theme-menu {
  display: grid;
}

.theme-option {
  background: transparent;
  border: none;
  text-align: left;
  padding: 8px 10px;
  border-radius: 8px;
  font-weight: 600;
  cursor: pointer;
  color: var(--text);
}

.theme-option:hover,
.theme-option.is-active {
  background: var(--bg-alt);
  color: var(--blue);
}

.nav-toggle {
  display: none;
  background: transparent;
  border: 1px solid var(--border);
  padding: 8px;
  border-radius: 10px;
}

.nav-toggle-bar {
  width: 22px;
  height: 2px;
  background: var(--text);
  display: block;
  margin: 4px 0;
}


.hero {
  padding: 90px 0 60px;
}

.hero-inner {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 40px;
  align-items: center;
}

.hero h1 {
  font-size: clamp(2.4rem, 4vw, 3.6rem);
  line-height: 1.1;
  margin-bottom: 18px;
}

.hero p {
  font-size: 1.1rem;
  color: var(--muted);
  margin-bottom: 24px;
}

.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

.hero-card {
  background: var(--card);
  border-radius: var(--radius);
  border: 1px solid var(--border);
  padding: 24px;
  box-shadow: var(--shadow);
}

.hero-card ul {
  display: grid;
  gap: 12px;
}

.hero-card li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
}

.hero-card span {
  display: inline-flex;
  width: 28px;
  height: 28px;
  border-radius: 8px;
  background: rgba(31, 42, 68, 0.12);
  align-items: center;
  justify-content: center;
  color: var(--blue);
  font-weight: 700;
}

.home-hero-media {
  display: grid;
  gap: 12px;
}

.home-hero-media img {
  width: 100%;
  height: 235px;
  object-fit: cover;
  border-radius: 14px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
}

.stats {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
  margin-top: 30px;
}

.stat {
  background: var(--card);
  border-radius: 14px;
  border: 1px solid var(--border);
  padding: 20px;
  text-align: center;
}

.stat h3 {
  font-size: 2rem;
  color: var(--blue);
}

.section-divider {
  height: 1px;
  background: var(--border);
  margin: 30px 0;
}

.process {
  display: grid;
  gap: 18px;
}

.calculator-list li {
  display: grid;
  gap: 6px;
}

.calculator-list a {
  font-weight: 700;
  color: var(--navy);
  font-size: 1rem;
}

.calculator-list .text-muted {
  font-size: 0.9rem;
  margin: 0;
}

.process-step {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.process-step span {
  width: 42px;
  height: 42px;
  border-radius: 12px;
  background: rgba(31, 42, 68, 0.15);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  color: var(--blue);
}

.home-image-card {
  overflow: hidden;
  padding: 0;
}

.home-card-image {
  width: 100%;
  height: 145px;
  object-fit: cover;
  border-bottom: 1px solid var(--border);
}

.home-card-body {
  padding: 18px;
}

.home-card-body h3 {
  margin-bottom: 6px;
}

.home-card-body p {
  margin: 0;
}

.home-card-body .text-muted {
  margin-top: 8px;
}

.home-process-card {
  overflow: hidden;
  padding: 0;
}

.home-process-image {
  width: 100%;
  height: 270px;
  object-fit: cover;
  border-bottom: 1px solid var(--border);
}

.home-process-card-body {
  padding: 22px;
}

.testimonial {
  display: grid;
  gap: 12px;
}

.testimonial p {
  color: var(--muted);
}

.home-testimonial-image {
  width: 100%;
  height: 170px;
  object-fit: cover;
  border-radius: 12px;
  border: 1px solid var(--border);
}

.faq-item {
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 18px;
}

.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  background: transparent;
  border: none;
  font-weight: 600;
  font-size: 1rem;
  cursor: pointer;
  color: var(--text);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--transition);
  color: var(--muted);
}

.faq-item.is-open .faq-answer {
  max-height: 300px;
  margin-top: 12px;
}

.cta {
  color: #fff;
  background:
    linear-gradient(rgba(18, 25, 38, 0.72), rgba(18, 25, 38, 0.72)),
    url('https://images.unsplash.com/photo-1560518883-ce09059eeffa?auto=format&fit=crop&w=1600&q=80');
  background-size: cover;
  background-position: center;
}

.cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
  flex-wrap: wrap;
}

.cta .btn-secondary {
  color: #fff;
  border-color: rgba(255, 255, 255, 0.4);
}

.cta .text-muted {
  color: rgba(255, 255, 255, 0.86);
}

.footer-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.4fr) repeat(3, minmax(0, 1fr));
  gap: 30px;
  padding: 60px 0 40px;
}

.footer-grid h3 {
  margin-bottom: 12px;
}

.footer-grid ul {
  display: grid;
  gap: 8px;
}

.footer-text {
  margin: 16px 0;
  color: var(--muted);
}

.footer-nap a {
  color: inherit;
}

.footer-cta {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-top: 16px;
}

.footer-bottom {
  border-top: 1px solid var(--border);
  padding: 20px 0 40px;
  font-size: 0.9rem;
  color: var(--muted);
  display: grid;
  gap: 8px;
}

.footer-compliance {
  color: var(--text);
  font-weight: 600;
}

.cookie-banner {
  position: fixed;
  bottom: 20px;
  right: 20px;
  max-width: 420px;
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 20px;
  box-shadow: var(--shadow);
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: var(--transition);
  z-index: 30;
}

.cookie-banner.is-visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.whatsapp-float {
  position: fixed;
  right: max(16px, calc(env(safe-area-inset-right) + 10px));
  bottom: max(16px, calc(env(safe-area-inset-bottom) + 10px));
  width: 58px;
  height: 58px;
  border-radius: 50%;
  background: #25d366;
  color: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 14px 26px rgba(19, 105, 56, 0.34);
  z-index: 25;
  transition: transform var(--transition), box-shadow var(--transition), background var(--transition);
}

.whatsapp-float:hover {
  transform: translateY(-2px);
  box-shadow: 0 16px 28px rgba(19, 105, 56, 0.4);
}

.whatsapp-float:focus-visible {
  outline: 3px solid rgba(255, 255, 255, 0.9);
  outline-offset: 3px;
}

.whatsapp-float svg {
  width: 30px;
  height: 30px;
  fill: currentColor;
}

.cookie-title {
  font-weight: 700;
  color: var(--text);
  margin-bottom: 6px;
}

.cookie-actions {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin-top: 16px;
}

.cookie-preferences {
  display: none;
  margin-top: 16px;
  gap: 12px;
}

.cookie-preferences.is-open {
  display: grid;
}

.checkbox {
  display: flex;
  gap: 10px;
  align-items: center;
}

.form-grid {
  display: grid;
  gap: 18px;
}

.honeypot {
  display: none;
}

.form-group {
  display: grid;
  gap: 8px;
}

.form-group input,
.form-group select,
.form-group textarea {
  padding: 12px 14px;
  border-radius: 12px;
  border: 1px solid var(--border);
  background: var(--card);
  color: var(--text);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: 2px solid rgba(31, 42, 68, 0.35);
}

.form-error {
  color: #b91c1c;
  font-size: 0.9rem;
}

.result-panel {
  background: var(--bg-alt);
  border-radius: 14px;
  padding: 16px;
  display: grid;
  gap: 10px;
  border: 1px dashed var(--border);
}

.tooltip {
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: rgba(31, 42, 68, 0.12);
  color: var(--blue);
  font-size: 0.75rem;
  margin-left: 6px;
}

.tooltip:hover::after {
  content: attr(data-tooltip);
  position: absolute;
  top: 28px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--card);
  border: 1px solid var(--border);
  padding: 10px 12px;
  border-radius: 10px;
  font-size: 0.8rem;
  width: 220px;
  box-shadow: var(--shadow);
  color: var(--text);
  z-index: 10;
}

.map-embed {
  width: 100%;
  border: 0;
  border-radius: 16px;
  min-height: 320px;
}

.blog-meta {
  font-size: 0.9rem;
  color: var(--muted);
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

.tag {
  background: var(--bg-alt);
  padding: 4px 10px;
  border-radius: 999px;
  font-size: 0.8rem;
}

[data-reveal] {
  opacity: 0;
  transform: translateY(16px);
  transition: opacity 600ms ease, transform 600ms ease;
}

[data-reveal].is-visible {
  opacity: 1;
  transform: translateY(0);
}

@media (prefers-reduced-motion: reduce) {
  * {
    animation: none !important;
    transition: none !important;
  }
  [data-reveal] {
    opacity: 1;
    transform: none;
  }
}

@media (max-width: 980px) {
  .primary-nav {
    position: fixed;
    inset: 80px 0 0 0;
    background: var(--card);
    flex-direction: column;
    align-items: flex-start;
    padding: 24px;
    transform: translateX(100%);
    transition: var(--transition);
    overflow-y: auto;
  }

  body.nav-open .primary-nav {
    transform: translateX(0);
  }

  .nav-toggle {
    display: inline-flex;
  }

  .nav-cta {
    flex-direction: column;
    width: 100%;
    border-left: none;
    padding-left: 0;
  }

  .nav-links {
    flex-direction: column;
    align-items: flex-start;
    width: 100%;
    margin-left: 0;
  }

  .nav-cta .btn,
  .theme-trigger {
    width: 100%;
    justify-content: center;
  }

  .theme-dropdown {
    width: 100%;
  }

  .theme-trigger,
  .theme-menu {
    display: none;
  }

  .theme-select-label {
    display: block;
  }


  .nav-group {
    width: 100%;
  }

  .nav-submenu {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    border: none;
    padding: 8px 0 0 0;
  }

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

  .grid-2,
  .grid-3,
  .grid-4,
  .footer-grid {
    grid-template-columns: 1fr;
  }

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

@media (max-width: 640px) {
  .hero {
    padding: 60px 0 40px;
  }

  .section {
    padding: 60px 0;
  }

  .cookie-banner {
    left: 16px;
    right: 16px;
    max-width: none;
  }

  .home-hero-media img {
    height: 185px;
  }

  .home-card-image {
    height: 175px;
  }

  .home-process-image {
    height: 230px;
  }

  .home-testimonial-image {
    height: 180px;
  }

  .whatsapp-float {
    width: 54px;
    height: 54px;
    right: max(12px, calc(env(safe-area-inset-right) + 8px));
    bottom: max(12px, calc(env(safe-area-inset-bottom) + 8px));
  }

  .whatsapp-float svg {
    width: 28px;
    height: 28px;
  }
}

/* Premium financial advisory refresh */
:root {
  --navy: #101828;
  --navy-2: #182337;
  --blue: #123c69;
  --blue-2: #1f5f78;
  --brand-yellow: #c9a227;
  --brand-yellow-strong: #a98016;
  --slate: #344054;
  --slate-2: #667085;
  --bg: #f6f8f5;
  --bg-alt: #eef4ef;
  --text: #182230;
  --muted: #536171;
  --card: #ffffff;
  --border: #dce3df;
  --success: #176b57;
  --warning: #8a5b12;
  --shadow: 0 16px 42px rgba(16, 24, 40, 0.08);
  --radius: 8px;
  --transition: 220ms cubic-bezier(0.2, 0.8, 0.2, 1);
}

[data-theme="dark"] {
  --bg: #0c1118;
  --bg-alt: #111a22;
  --text: #f4f7fb;
  --muted: #aab5c2;
  --card: #121923;
  --border: #263241;
  --shadow: 0 18px 46px rgba(0, 0, 0, 0.34);
}

body {
  background:
    linear-gradient(180deg, rgba(246, 248, 245, 0.96), rgba(246, 248, 245, 1)),
    var(--bg);
  overflow-x: hidden;
}

body::before {
  background:
    linear-gradient(90deg, rgba(18, 60, 105, 0.035) 1px, transparent 1px),
    linear-gradient(180deg, rgba(18, 60, 105, 0.03) 1px, transparent 1px),
    radial-gradient(circle at 16% 12%, rgba(201, 162, 39, 0.13), transparent 26%),
    radial-gradient(circle at 86% 8%, rgba(23, 107, 87, 0.11), transparent 28%);
  background-size: 44px 44px, 44px 44px, auto, auto;
}

.container {
  width: min(1180px, 92%);
}

.section {
  padding: 92px 0;
}

.section:nth-of-type(even) {
  background: rgba(255, 255, 255, 0.44);
}

.section-title {
  color: var(--navy);
  font-size: clamp(2rem, 3.4vw, 3rem);
  line-height: 1.08;
  letter-spacing: 0;
}

.section-kicker {
  color: var(--success);
  letter-spacing: 0.08em;
  font-size: 0.78rem;
}

.card,
.stat,
.faq-item,
.cookie-banner,
.hero-card,
.home-process-card,
.home-image-card {
  border-color: rgba(16, 24, 40, 0.1);
  border-radius: 8px;
  box-shadow: var(--shadow);
}

.card {
  position: relative;
  overflow: hidden;
}

.card::after {
  content: "";
  position: absolute;
  inset: 0;
  border-top: 3px solid transparent;
  pointer-events: none;
  transition: border-color var(--transition);
}

.card:hover {
  transform: translateY(-6px);
  box-shadow: 0 22px 54px rgba(16, 24, 40, 0.12);
}

.card:hover::after {
  border-color: var(--brand-yellow);
}

.badge {
  border: 1px solid rgba(201, 162, 39, 0.36);
  background: rgba(255, 255, 255, 0.74);
  color: var(--navy);
  border-radius: 999px;
  box-shadow: 0 8px 24px rgba(16, 24, 40, 0.05);
}

.btn {
  border-radius: 10px;
  padding: 12px 18px;
  transition: transform var(--transition), box-shadow var(--transition), background var(--transition), border-color var(--transition);
}

.btn-primary {
  background: var(--navy);
  box-shadow: 0 14px 30px rgba(16, 24, 40, 0.22);
}

.btn-primary:hover {
  background: var(--blue);
  transform: translateY(-2px);
}

.btn-secondary,
.btn-ghost {
  border-color: rgba(16, 24, 40, 0.18);
  color: var(--navy);
  background: rgba(255, 255, 255, 0.62);
}

.btn-secondary:hover,
.btn-ghost:hover {
  border-color: var(--brand-yellow);
  box-shadow: 0 10px 26px rgba(16, 24, 40, 0.08);
  transform: translateY(-2px);
}

.site-header,
[data-theme="dark"] .site-header {
  background: rgba(255, 255, 255, 0.9);
  border-bottom: 1px solid rgba(16, 24, 40, 0.1);
  backdrop-filter: blur(16px);
}

.site-header,
.site-header .nav-link,
.site-header .logo-title {
  color: var(--navy);
}

.site-header .nav-link,
.nav-group summary {
  position: relative;
}

.site-header .nav-link::after,
.nav-group summary::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: -8px;
  height: 2px;
  background: var(--brand-yellow);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition);
}

.site-header .nav-link:hover::after,
.site-header .nav-link.active::after,
.nav-group:hover summary::after,
.nav-group.active summary::after {
  transform: scaleX(1);
}

.site-header .theme-trigger,
.site-header .theme-select,
.site-header .theme-menu {
  background: #ffffff;
  border-color: rgba(16, 24, 40, 0.12);
}

.site-header .logo {
  position: relative;
  transition: transform var(--transition);
}

.site-header .logo::after {
  content: "";
  position: absolute;
  left: 2px;
  top: 50%;
  width: 58px;
  height: 58px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(201, 162, 39, 0.16), transparent 68%);
  opacity: 0;
  transform: translateY(-50%) scale(0.82);
  transition: opacity var(--transition), transform var(--transition);
  pointer-events: none;
}

.site-header .logo img {
  position: relative;
  z-index: 1;
  transform-origin: center;
  transform-style: preserve-3d;
  backface-visibility: visible;
  animation: logoRotateCycle 30s ease-in-out infinite;
  transition: filter var(--transition);
}

.site-header .logo:hover {
  transform: translateY(-1px);
}

.site-header .logo:hover::after {
  opacity: 1;
  transform: translateY(-50%) scale(1);
}

.site-header .logo:hover img {
  filter: drop-shadow(0 8px 14px rgba(16, 24, 40, 0.12));
}

@keyframes logoRotateCycle {
  0% {
    opacity: 0;
    transform: perspective(900px) rotateY(0deg) scale(0.96);
  }
  1% {
    opacity: 1;
  }
  5% {
    opacity: 1;
    transform: perspective(900px) rotateY(360deg) scale(1);
  }
  100% {
    opacity: 1;
    transform: perspective(900px) rotateY(360deg) scale(1);
  }
}

.hero {
  position: relative;
  padding: 88px 0 64px;
  background:
    linear-gradient(115deg, rgba(255, 255, 255, 0.96) 0%, rgba(255, 255, 255, 0.76) 50%, rgba(238, 244, 239, 0.72) 100%),
    radial-gradient(circle at 84% 18%, rgba(201, 162, 39, 0.18), transparent 34%),
    radial-gradient(circle at 75% 78%, rgba(18, 60, 105, 0.12), transparent 32%);
  overflow: hidden;
}

.hero::before {
  content: "";
  position: absolute;
  inset: auto -8% -18% 44%;
  height: 42%;
  background: linear-gradient(90deg, transparent, rgba(23, 107, 87, 0.12), transparent);
  transform: rotate(-8deg);
  pointer-events: none;
}

.hero-inner {
  position: relative;
  z-index: 1;
  grid-template-columns: minmax(0, 1.02fr) minmax(360px, 0.98fr);
  gap: clamp(38px, 6vw, 76px);
}

.hero h1 {
  max-width: 760px;
  color: var(--navy);
  font-size: clamp(2.55rem, 4.35vw, 4.15rem);
  letter-spacing: 0;
}

.hero p {
  max-width: 660px;
  color: var(--muted);
}

.hero .badge + h1 {
  margin-top: 18px;
}

.home-hero-media {
  position: relative;
  min-height: 480px;
  gap: 0;
}

.home-hero-media::before {
  content: "";
  position: absolute;
  inset: 8% 4% 5% 15%;
  border: 1px solid rgba(201, 162, 39, 0.34);
  border-radius: 8px;
  transform: rotate(3deg);
}

.home-hero-media img {
  position: absolute;
  border-radius: 8px;
  border: 1px solid rgba(16, 24, 40, 0.12);
  box-shadow: 0 24px 64px rgba(16, 24, 40, 0.16);
  transition: transform 700ms ease, filter 700ms ease;
}

.home-hero-media img:first-child {
  top: 0;
  right: 0;
  height: 315px;
  width: 88%;
  z-index: 1;
}

.home-hero-media img:last-child {
  left: 0;
  bottom: 0;
  height: 245px;
  width: 72%;
  z-index: 2;
}

.home-hero-media:hover img:first-child {
  transform: translate3d(-8px, -6px, 0) scale(1.015);
}

.home-hero-media:hover img:last-child {
  transform: translate3d(8px, 6px, 0) scale(1.02);
}

.stats {
  position: relative;
  z-index: 1;
  margin-top: 44px;
}

.stat {
  background: rgba(255, 255, 255, 0.82);
  backdrop-filter: blur(10px);
  text-align: left;
  padding: 24px;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}

.stat:hover {
  border-color: rgba(201, 162, 39, 0.58);
  transform: translateY(-4px);
}

.stat h3 {
  color: var(--success);
}

.home-image-card,
.home-process-card {
  background: #ffffff;
}

.home-card-image,
.home-process-image,
.home-testimonial-image {
  filter: saturate(0.92) contrast(1.04);
  transition: transform 700ms ease, filter 700ms ease;
}

.home-image-card:hover .home-card-image,
.home-process-card:hover .home-process-image,
.testimonial:hover .home-testimonial-image {
  filter: saturate(1.02) contrast(1.06);
  transform: scale(1.045);
}

.home-card-image {
  height: 178px;
}

.home-card-body {
  padding: 22px;
}

.home-card-body h3,
.home-process-card-body h3 {
  color: var(--navy);
}

.process {
  position: relative;
}

.process-step {
  position: relative;
  padding: 4px 0 4px 8px;
}

.process-step span {
  flex: 0 0 auto;
  border-radius: 8px;
  background: linear-gradient(135deg, var(--navy), var(--blue));
  color: #ffffff;
  box-shadow: 0 10px 22px rgba(18, 60, 105, 0.22);
  transition: transform var(--transition), background var(--transition);
}

.process-step:hover span {
  background: linear-gradient(135deg, var(--success), var(--blue));
  transform: translateY(-2px) scale(1.04);
}

.calculator-list a {
  color: var(--blue);
}

.testimonial {
  background: linear-gradient(180deg, #ffffff, #fbfcfb);
}

.testimonial strong {
  color: var(--navy);
}

.faq-item {
  background: #ffffff;
  transition: border-color var(--transition), box-shadow var(--transition), transform var(--transition);
}

.faq-item:hover,
.faq-item.is-open {
  border-color: rgba(201, 162, 39, 0.52);
  box-shadow: 0 16px 42px rgba(16, 24, 40, 0.08);
}

.cta {
  background:
    linear-gradient(90deg, rgba(16, 24, 40, 0.88), rgba(18, 60, 105, 0.78)),
    url('https://images.unsplash.com/photo-1560518883-ce09059eeffa?auto=format&fit=crop&w=1600&q=80');
}

.site-footer {
  background: #0f1724;
  color: #eef2f7;
}

.site-footer .footer-logo img {
  background: #ffffff;
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 8px;
  box-shadow: 0 12px 28px rgba(0, 0, 0, 0.22);
  padding: 8px;
}

.footer-text,
.footer-bottom,
.footer-meta,
.site-footer .text-muted {
  color: rgba(238, 242, 247, 0.72);
}

.footer-bottom {
  border-top-color: rgba(255, 255, 255, 0.14);
}

.footer-compliance,
.site-footer h3,
.site-footer .logo-title {
  color: #ffffff;
}

[data-reveal] {
  transform: translateY(22px);
  transition: opacity 620ms ease, transform 620ms ease;
}

[data-reveal].is-visible {
  transform: translateY(0);
}

.grid > .card:nth-child(2),
.grid > .faq-item:nth-child(2) {
  transition-delay: 80ms;
}

.grid > .card:nth-child(3),
.grid > .faq-item:nth-child(3) {
  transition-delay: 150ms;
}

.grid > .card:nth-child(4) {
  transition-delay: 220ms;
}

@media (max-width: 980px) {
  .site-header .nav-link::after,
  .nav-group summary::after {
    display: none;
  }

  .primary-nav {
    background: #ffffff;
  }

  .hero {
    padding: 76px 0 56px;
  }

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

  .home-hero-media {
    min-height: 470px;
  }
}

@media (max-width: 640px) {
  .section {
    padding: 64px 0;
  }

  .hero {
    padding: 58px 0 44px;
  }

  .hero h1 {
    font-size: clamp(2.2rem, 12vw, 3.35rem);
  }

  .home-hero-media {
    display: grid;
    min-height: 0;
    gap: 12px;
  }

  .home-hero-media::before {
    display: none;
  }

  .home-hero-media img,
  .home-hero-media img:first-child,
  .home-hero-media img:last-child {
    position: relative;
    width: 100%;
    height: 210px;
  }

  .stats {
    margin-top: 28px;
  }

  .stat {
    text-align: center;
  }
}

/* Visual storytelling and motion layer */
.hero {
  background:
    linear-gradient(90deg, rgba(246, 248, 245, 0.97) 0%, rgba(246, 248, 245, 0.9) 43%, rgba(246, 248, 245, 0.62) 100%),
    linear-gradient(180deg, rgba(16, 24, 40, 0.08), rgba(16, 24, 40, 0)),
    url('https://images.unsplash.com/photo-1600585154340-be6161a56a0c?auto=format&fit=crop&w=2200&q=82');
  background-position: center;
  background-size: cover;
}

.hero-bg-video {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.42;
  pointer-events: none;
}

.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(246, 248, 245, 0.9) 0%, rgba(246, 248, 245, 0.78) 46%, rgba(246, 248, 245, 0.22) 74%, rgba(246, 248, 245, 0.06) 100%),
    linear-gradient(90deg, rgba(255, 255, 255, 0) 0 58%, rgba(18, 60, 105, 0.08) 58% 58.2%, rgba(255, 255, 255, 0) 58.2%),
    radial-gradient(circle at 19% 24%, rgba(255, 255, 255, 0.92), transparent 32%),
    radial-gradient(circle at 76% 56%, rgba(201, 162, 39, 0.16), transparent 30%);
  pointer-events: none;
}

.hero-inner,
.stats {
  position: relative;
  z-index: 1;
}

.hero .badge {
  animation: softFloat 5.5s ease-in-out infinite;
}

.hero .badge:nth-of-type(2) {
  animation-delay: 700ms;
}

.hero-actions .btn-primary {
  position: relative;
  overflow: hidden;
}

.hero-actions .btn-primary::after {
  content: "";
  position: absolute;
  inset: -40% auto -40% -60%;
  width: 42%;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.3), transparent);
  transform: skewX(-18deg);
  transition: left 700ms ease;
}

.hero-actions .btn-primary:hover::after {
  left: 120%;
}

.home-hero-media {
  transform-style: preserve-3d;
}

.home-hero-media img:first-child {
  animation: heroImageFloatA 7s ease-in-out infinite;
}

.home-hero-media img:last-child {
  animation: heroImageFloatB 7.5s ease-in-out infinite;
}

.home-hero-media::after {
  content: "UK-wide mortgage & protection advice";
  position: absolute;
  right: 4%;
  bottom: 78px;
  z-index: 3;
  max-width: 250px;
  border: 1px solid rgba(201, 162, 39, 0.38);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.88);
  box-shadow: 0 18px 44px rgba(16, 24, 40, 0.13);
  color: var(--navy);
  font-size: 0.92rem;
  font-weight: 800;
  line-height: 1.35;
  padding: 14px 16px;
  backdrop-filter: blur(12px);
}

.stats {
  background: rgba(255, 255, 255, 0.72);
  border: 1px solid rgba(16, 24, 40, 0.08);
  border-radius: 8px;
  box-shadow: 0 20px 54px rgba(16, 24, 40, 0.1);
  padding: 14px;
  backdrop-filter: blur(14px);
}

.stat {
  box-shadow: none;
}

.section {
  position: relative;
  overflow: hidden;
}

#mortgages {
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.88), rgba(246, 248, 245, 0.94)),
    url('https://images.unsplash.com/photo-1560518883-ce09059eeffa?auto=format&fit=crop&w=2000&q=80');
  background-attachment: fixed;
  background-position: center;
  background-size: cover;
}

#protection {
  background:
    linear-gradient(90deg, rgba(246, 248, 245, 0.96), rgba(246, 248, 245, 0.82)),
    url('https://images.unsplash.com/photo-1511895426328-dc8714191300?auto=format&fit=crop&w=2000&q=80');
  background-position: center;
  background-size: cover;
}

#mortgages::before,
#protection::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(18, 60, 105, 0.035) 1px, transparent 1px),
    linear-gradient(180deg, rgba(18, 60, 105, 0.03) 1px, transparent 1px);
  background-size: 52px 52px;
  pointer-events: none;
}

#mortgages .container,
#protection .container {
  position: relative;
  z-index: 1;
}

.home-image-card {
  isolation: isolate;
}

.home-image-card::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 1;
  background: linear-gradient(180deg, transparent 0 44%, rgba(16, 24, 40, 0.06));
  opacity: 0;
  pointer-events: none;
  transition: opacity var(--transition);
}

.home-image-card:hover::before {
  opacity: 1;
}

.home-card-image {
  height: 195px;
}

.grid > .home-image-card:nth-child(3n + 2) {
  transform: translateY(10px);
}

.grid > .home-image-card:nth-child(3n + 2):hover {
  transform: translateY(2px);
}

.grid > .home-image-card:nth-child(3n) {
  transform: translateY(20px);
}

.grid > .home-image-card:nth-child(3n):hover {
  transform: translateY(12px);
}

.section:has(.process-step) {
  background:
    linear-gradient(90deg, rgba(255, 255, 255, 0.96), rgba(246, 248, 245, 0.9)),
    url('https://images.unsplash.com/photo-1454165804606-c3d57bc86b40?auto=format&fit=crop&w=2000&q=80');
  background-position: center;
  background-size: cover;
}

.section:has(.process-step) .grid-2 > div:first-child {
  position: relative;
}

.section:has(.process-step) .grid-2 > div:first-child .process {
  gap: 20px;
  padding-left: 18px;
}

.section:has(.process-step) .grid-2 > div:first-child .process::before {
  content: "";
  position: absolute;
  top: 8px;
  bottom: 8px;
  left: 29px;
  width: 2px;
  background: linear-gradient(var(--brand-yellow), rgba(18, 60, 105, 0.18));
  transform-origin: top;
  animation: timelineGrow 1.2s ease both;
}

.section:has(.process-step) .process-step {
  background: rgba(255, 255, 255, 0.82);
  border: 1px solid rgba(16, 24, 40, 0.08);
  border-radius: 8px;
  box-shadow: 0 12px 34px rgba(16, 24, 40, 0.07);
  padding: 16px 16px 16px 0;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
  backdrop-filter: blur(10px);
}

.section:has(.process-step) .process-step:hover {
  border-color: rgba(201, 162, 39, 0.48);
  box-shadow: 0 18px 46px rgba(16, 24, 40, 0.1);
  transform: translateX(4px);
}

.section:has(.testimonial) {
  background:
    linear-gradient(180deg, rgba(246, 248, 245, 0.96), rgba(238, 244, 239, 0.96)),
    url('https://images.unsplash.com/photo-1521790361543-f645cf042ec4?auto=format&fit=crop&w=2000&q=80');
  background-position: center;
  background-size: cover;
}

.testimonial {
  border-left: 4px solid rgba(201, 162, 39, 0.72);
}

.about-advisor-panel {
  display: grid;
  gap: 18px;
}

.advisor-photo-card {
  padding: 0;
  overflow: hidden;
  background:
    linear-gradient(135deg, rgba(201, 162, 39, 0.12), rgba(18, 60, 105, 0.08)),
    #ffffff;
}

.advisor-photo-card img {
  width: 100%;
  aspect-ratio: 4 / 3;
  height: auto;
  object-fit: cover;
  object-position: center 18%;
  filter: saturate(0.96) contrast(1.03);
  transition: transform 700ms ease, filter 700ms ease;
}

.advisor-photo-card:hover img {
  filter: saturate(1.03) contrast(1.05);
  transform: scale(1.035);
}

.faq-item {
  position: relative;
  overflow: hidden;
}

.faq-item::before {
  content: "";
  position: absolute;
  inset: 0 auto 0 0;
  width: 4px;
  background: var(--brand-yellow);
  transform: scaleY(0);
  transform-origin: top;
  transition: transform var(--transition);
}

.faq-item:hover::before,
.faq-item.is-open::before {
  transform: scaleY(1);
}

section.section.cta,
section.cta,
.cta {
  position: relative;
  overflow: hidden;
  color: #ffffff;
  background:
    linear-gradient(90deg, rgba(15, 23, 36, 0.94), rgba(18, 60, 105, 0.86)),
    url('https://images.unsplash.com/photo-1560518883-ce09059eeffa?auto=format&fit=crop&w=1800&q=82');
  background-position: center;
  background-size: cover;
}

.cta[data-reveal] {
  opacity: 1;
  transform: none;
}

.cta::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 18% 24%, rgba(201, 162, 39, 0.24), transparent 28%),
    linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.08), transparent);
  pointer-events: none;
}

.cta-inner {
  position: relative;
  z-index: 1;
}

.cta h2,
.cta p,
.cta a {
  color: inherit;
}

.cta .text-muted {
  color: rgba(255, 255, 255, 0.88);
}

.cta .btn-primary {
  background: #ffffff;
  color: var(--navy);
  box-shadow: 0 16px 34px rgba(0, 0, 0, 0.22);
}

.cta .btn-secondary {
  background: rgba(255, 255, 255, 0.12);
  border-color: rgba(255, 255, 255, 0.58);
  color: #ffffff;
}

@keyframes softFloat {
  0%,
  100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-5px);
  }
}

@keyframes heroImageFloatA {
  0%,
  100% {
    transform: translate3d(0, 0, 0);
  }
  50% {
    transform: translate3d(-8px, -8px, 0);
  }
}

@keyframes heroImageFloatB {
  0%,
  100% {
    transform: translate3d(0, 0, 0);
  }
  50% {
    transform: translate3d(8px, 9px, 0);
  }
}

@keyframes timelineGrow {
  from {
    transform: scaleY(0);
  }
  to {
    transform: scaleY(1);
  }
}

@media (max-width: 980px) {
  #mortgages,
  #protection {
    background-attachment: scroll;
  }

  .grid > .home-image-card:nth-child(n) {
    transform: none;
  }

  .grid > .home-image-card:nth-child(n):hover {
    transform: translateY(-6px);
  }

  .home-hero-media::after {
    right: 18px;
    bottom: 42px;
  }
}

@media (max-width: 640px) {
  .hero {
    background:
      linear-gradient(180deg, rgba(246, 248, 245, 0.98), rgba(246, 248, 245, 0.9)),
      url('https://images.unsplash.com/photo-1600585154340-be6161a56a0c?auto=format&fit=crop&w=1200&q=82');
    background-position: center;
    background-size: cover;
  }

  .hero-bg-video {
    opacity: 0.38;
  }

  .hero::after {
    background:
      radial-gradient(circle at 20% 18%, rgba(255, 255, 255, 0.82), transparent 36%),
      radial-gradient(circle at 84% 38%, rgba(201, 162, 39, 0.12), transparent 34%);
  }

  .home-hero-media::after {
    position: relative;
    right: auto;
    bottom: auto;
    max-width: none;
  }

  .home-card-image {
    height: 210px;
  }

  .section:has(.process-step) .grid-2 > div:first-child .process {
    padding-left: 0;
  }

  .section:has(.process-step) .grid-2 > div:first-child .process::before {
    display: none;
  }

  .section:has(.process-step) .process-step {
    padding: 16px;
  }

  .advisor-photo-card img {
    aspect-ratio: 1 / 1;
  }
}