:root{box-sizing:border-box;padding-top:env(safe-area-inset-top,0px);padding-bottom:env(safe-area-inset-bottom,0px);
--bg:#F7F8FA;--card:#FFFFFF;--ink:#001B3F;--text:#2A3A55;--muted:#5E6B82;--line:#E1E5EC;--navy:#001B3F;--gold:#C9A332;--goldsoft:#F6EED3;--showL:block;--showD:none;
--sans:"Montserrat",system-ui,-apple-system,"Segoe UI",sans-serif;
--f-ink:var(--ink);--f-muted:var(--muted);--f-line:var(--line);--f-field:var(--card);--f-soft:var(--goldsoft);--f-accent:#001B3F;--f-accent-ink:#fff;--f-radius:10px}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){--bg:#081A35;--card:#0E2547;--ink:#F2F4F8;--text:#D5DCE8;--muted:#9AA7BD;--line:#1E3A63;--goldsoft:#1f2b3a;--showL:none;--showD:block;--f-accent:#C9A332;--f-accent-ink:#001B3F}}
:root[data-theme="dark"]{--bg:#081A35;--card:#0E2547;--ink:#F2F4F8;--text:#D5DCE8;--muted:#9AA7BD;--line:#1E3A63;--goldsoft:#1f2b3a;--showL:none;--showD:block;--f-accent:#C9A332;--f-accent-ink:#001B3F}
*,*::before,*::after{box-sizing:inherit}
html{scroll-padding-top:calc(env(safe-area-inset-top,0px) + 100px)}
body{margin:0;background:var(--bg);color:var(--text);font-family:var(--sans);font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}a{color:inherit}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
h1:focus{outline:none}
.L{display:var(--showL)}.D{display:var(--showD)}
.wrap{width:min(1200px,92vw);margin:0 auto}
h1,h2,h3{color:var(--ink);margin:0}
.ph{color:var(--gold);font-weight:600}
/* header */
header{position:sticky;top:env(safe-area-inset-top,0px);z-index:20;background:var(--bg);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:84px;gap:20px}
.nav .logo img{height:52px;width:auto}
.menu{display:flex;gap:30px;list-style:none;margin:0;padding:0;font-size:14px;font-weight:600;color:var(--ink);align-items:center}
.menu>li{position:relative}
.menu a,.menu button.dd{text-decoration:none;background:none;border:0;font:inherit;color:inherit;cursor:pointer;padding:30px 0}
.menu a:hover,.menu button.dd:hover,.menu a[aria-current=page]{color:var(--gold)}
.menu button.dd::after{content:"";display:inline-block;width:6px;height:6px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg);margin:0 0 3px 8px}
.sub{display:none;position:absolute;top:100%;left:-20px;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:10px;min-width:260px;box-shadow:0 24px 50px -25px rgba(11,45,91,.4);list-style:none;margin:0}
.sub a{display:block;padding:10px 14px;border-radius:8px}.sub a:hover{background:var(--goldsoft);color:var(--ink)}
.menu>li:hover .sub,.menu>li:focus-within .sub,.menu>li.open .sub{display:block}
.burger{display:none;background:none;border:1.5px solid var(--line);border-radius:10px;width:46px;height:46px;cursor:pointer;color:var(--ink)}
.burger span{display:block;width:20px;height:2px;background:currentColor;margin:4px auto}
.btn{display:inline-block;font:700 14px/1 var(--sans);padding:16px 26px;border-radius:10px;text-decoration:none;border:0;cursor:pointer;text-align:center}
.btn.navy{background:var(--navy);color:#fff}.btn.navy:hover{background:#0B2D5B}
.btn.gold{background:var(--gold);color:#001B3F}.btn.gold:hover{filter:brightness(1.07)}
.btn.line{box-shadow:inset 0 0 0 1.5px var(--ink);color:var(--ink);background:transparent}
.btns{display:flex;gap:12px;flex-wrap:wrap}
/* pages */
.page{display:none}.page.on{display:block}
section{padding:100px 0}
.shead{display:flex;justify-content:space-between;align-items:end;gap:40px;margin-bottom:50px;flex-wrap:wrap}
.shead h2,.h2{font-size:clamp(30px,3.6vw,46px);font-weight:800;letter-spacing:-.03em;line-height:1.1;max-width:20ch}
.shead p{color:var(--muted);max-width:44ch;margin:0}
/* hero */
.hero{padding:80px 0 90px}
.hero .grid{display:grid;grid-template-columns:1.15fr 1fr;gap:64px;align-items:center}
.hero h1{font-weight:800;font-size:clamp(40px,5.4vw,72px);line-height:1.04;letter-spacing:-.035em;margin-bottom:26px}
.hero h1 .thin{display:block;font-weight:400}
.lead{font-size:19px;color:var(--muted);max-width:46ch;margin:0 0 36px}
.trust{display:flex;gap:32px;margin-top:40px;flex-wrap:wrap;font-size:14px;color:var(--muted)}
.trust b{color:var(--ink);font-size:22px;display:block;font-weight:700}
/* calculator */
.calc{background:var(--card);border-radius:22px;padding:34px;box-shadow:0 30px 60px -30px rgba(11,45,91,.35);border:1px solid var(--line);position:relative}
.calc::before{content:"";position:absolute;inset:0 0 auto 0;height:5px;border-radius:22px 22px 0 0;background:linear-gradient(90deg,#B8892A,#F2D27A,#B8892A)}
.calc h2{font-size:21px;font-weight:700;margin-bottom:4px}
.calc .sub2{font-size:14px;color:var(--muted);margin:0 0 24px}
.field{margin-bottom:18px}
.field label{display:flex;justify-content:space-between;font-size:13px;font-weight:600;color:var(--ink);margin-bottom:8px}
.field output{color:var(--gold);font-weight:700}
input[type=range]{width:100%;accent-color:#C9A332}
.money{display:flex;align-items:center;border:1.5px solid var(--line);border-radius:10px;background:var(--bg)}
.money span{padding:0 12px;color:var(--muted);font-weight:600}
.money input{border:0;background:transparent;font:600 16px var(--sans);color:var(--ink);padding:13px 12px 13px 0;width:100%;min-width:0}
.money input:focus{outline:none}.money:focus-within{border-color:var(--gold)}
.res{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line);border-radius:14px;overflow:hidden;margin:26px 0 20px}
.res div{background:var(--goldsoft);padding:16px}
.res small{display:block;font-size:12px;color:var(--muted);font-weight:600}
.res b{font-size:22px;color:var(--ink)}
.res .warn b{color:#c0392b}
.calc .note{font-size:12px;color:var(--muted);margin:14px 0 0}
.calc .btn{width:100%}
/* products grid */
.products{display:grid;grid-template-columns:repeat(6,1fr);gap:22px}
.p{grid-column:span 2;background:var(--card);border:1px solid var(--line);border-radius:18px;padding:30px;text-decoration:none;display:flex;flex-direction:column;min-height:250px;transition:border-color .2s}
.p.wide{grid-column:span 3}
.ic{width:44px;height:44px;border-radius:12px;background:var(--goldsoft);display:grid;place-items:center;margin-bottom:22px;flex:none}
.p h3{font-size:20px;font-weight:700;margin-bottom:10px}
.p p{margin:0 0 20px;color:var(--muted);font-size:15px}
.more{margin-top:auto;font-weight:700;font-size:14px;color:var(--ink);border-bottom:2px solid var(--gold);align-self:flex-start;padding-bottom:2px}
.p:hover{border-color:var(--gold)}
/* process */
.process{background:var(--navy);color:#D5DCE8;border-radius:32px;margin:0 2vw}
.process h2{color:#fff}.process .shead p{color:#AEB8CC}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:30px;list-style:none;padding:0;margin:0;counter-reset:s}
.steps li{counter-increment:s;border-top:2px solid rgba(255,255,255,.15);padding-top:24px;position:relative}
.steps li::before{content:counter(s);position:absolute;top:-17px;left:0;width:32px;height:32px;border-radius:50%;background:var(--gold);color:#001B3F;font-weight:800;display:grid;place-items:center;font-size:14px}
.steps b{display:block;color:#fff;font-size:17px;margin:12px 0 6px}
.steps span{font-size:15px}
/* why */
.why{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}
.checks{list-style:none;padding:0;margin:26px 0 34px}
.checks li{padding:8px 0 8px 32px;position:relative}
.checks li::before{content:"";position:absolute;left:0;top:11px;width:18px;height:18px;border-radius:50%;background:var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10l3 3 7-7' stroke='%23001B3F' stroke-width='2.5' fill='none'/%3E%3C/svg%3E") center/12px no-repeat}
.mark{background:var(--navy);border-radius:24px;aspect-ratio:5/4;display:grid;place-items:center;position:relative;overflow:hidden}
.mark::before{content:"";position:absolute;left:-20%;right:-20%;bottom:-45%;height:80%;border-radius:50%;border-top:3px solid var(--gold);opacity:.6}
.mark img{width:62%;position:relative}
/* product page */
.crumb{font-size:13px;color:var(--muted);margin-bottom:22px}.crumb a{text-decoration:none}.crumb a:hover{color:var(--gold)}
.glance{background:var(--card);border:1px solid var(--line);border-radius:22px;padding:30px;position:relative;box-shadow:0 30px 60px -35px rgba(11,45,91,.35)}
.glance::before{content:"";position:absolute;inset:0 0 auto 0;height:5px;border-radius:22px 22px 0 0;background:linear-gradient(90deg,#B8892A,#F2D27A,#B8892A)}
.glance h2{font-size:18px;font-weight:700;margin-bottom:10px}
.glance dl{margin:0}
.glance div{display:flex;justify-content:space-between;gap:16px;padding:14px 0;border-top:1px solid var(--line);font-size:15px}
.glance dt{color:var(--muted)}.glance dd{margin:0;font-weight:700;color:var(--ink);text-align:right}
.glance small{display:block;font-size:12px;color:var(--muted);margin-top:14px}
.uses{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.use{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:28px}
.use h3{font-size:18px;margin:0 0 8px}.use p{margin:0;color:var(--muted);font-size:15px}
.look{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}
.look div{border-top:3px solid var(--gold);padding-top:20px}
.look h3{font-size:18px;margin-bottom:8px}.look p{margin:0;color:var(--muted);font-size:15px}
.example{background:var(--goldsoft);border-radius:22px;padding:40px;display:grid;grid-template-columns:auto 1fr;gap:40px;align-items:center}
.example .amt{font-size:44px;font-weight:800;color:var(--ink);letter-spacing:-.03em;line-height:1}
.example p{margin:0}
/* band */
.band{background:var(--navy);border-radius:28px;padding:60px;display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap}
.band h2{color:#fff;font-size:clamp(26px,3vw,38px);font-weight:800;letter-spacing:-.02em;max-width:22ch;line-height:1.15}
.band p{color:#AEB8CC;margin:10px 0 0}
/* faq */
.faq{max-width:860px}
.faq details{border-top:1px solid var(--line)}.faq details:last-child{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:22px 44px 22px 0;font-weight:700;color:var(--ink);font-size:17px;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:6px;top:15px;font-size:26px;color:var(--gold);font-weight:400;transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{margin:0 0 22px;color:var(--muted)}
.faqgroup{margin-bottom:60px}.faqgroup h2{font-size:22px;margin-bottom:12px}
/* enquire */
.enq{display:grid;grid-template-columns:.85fr 1.15fr;gap:60px;align-items:start}
.panel{background:var(--card);border:1px solid var(--line);border-radius:22px;padding:40px;box-shadow:0 30px 60px -35px rgba(11,45,91,.35)}
.contact-card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:22px;margin-top:22px}
.contact-card b{display:block;color:var(--ink);font-size:18px}
.contact-card span{font-size:14px;color:var(--muted)}
/* legal */
.legalpage{max-width:780px}
.legalpage h1{font-size:clamp(32px,4vw,48px);font-weight:800;letter-spacing:-.03em;margin-bottom:20px}
.legalpage h2{font-size:20px;margin:36px 0 10px}
.notice{background:var(--goldsoft);border-left:4px solid var(--gold);padding:16px 20px;border-radius:0 10px 10px 0;margin:0 0 30px}
.page-title{padding:70px 0 20px}
.page-title h1{font-size:clamp(34px,4.6vw,58px);font-weight:800;letter-spacing:-.035em;line-height:1.06;margin-bottom:16px}
/* footer */
footer{border-top:1px solid var(--line);padding:60px 0 40px;font-size:14px;color:var(--muted);margin-top:40px}
.fgrid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:40px}
footer h4{font-size:14px;color:var(--ink);margin:0 0 12px}
footer ul{list-style:none;margin:0;padding:0}footer li{margin:6px 0}footer a{text-decoration:none}footer a:hover{color:var(--gold)}
.legal{margin-top:44px;padding-top:22px;border-top:1px solid var(--line);font-size:12px;line-height:1.7}
/* cookie */
.cookie{position:fixed;left:16px;right:16px;bottom:calc(16px + env(safe-area-inset-bottom,0px));max-width:560px;margin-left:auto;background:var(--card);border:1px solid var(--line);border-radius:16px;padding:20px;box-shadow:0 20px 50px -20px rgba(11,45,91,.45);z-index:30;font-size:14px}
.cookie p{margin:0 0 14px}.cookie .btn{padding:12px 18px}
@media (max-width:1000px){
 .burger{display:block}.nav .cta{display:none}
 .menu{display:none;position:absolute;top:84px;left:0;right:0;background:var(--bg);flex-direction:column;align-items:stretch;gap:0;padding:10px 4vw 24px;border-bottom:1px solid var(--line);max-height:calc(100vh - 84px);overflow:auto}
 .menu.open{display:flex}
 .menu a,.menu button.dd{display:block;padding:14px 0;width:100%;text-align:left;border-bottom:1px solid var(--line)}
 .sub{position:static;display:block;border:0;box-shadow:none;padding:0 0 0 14px;background:transparent;min-width:0}
 .sub a{padding:12px 0}
 .menu .mcta{display:block;margin-top:16px}.menu .mcta a{background:var(--gold);color:#001B3F;text-align:center;border-radius:10px;border:0}
 .hero .grid,.why,.enq{grid-template-columns:1fr;gap:44px}
 .products{grid-template-columns:1fr 1fr}.p,.p.wide{grid-column:span 1}.p.wide:last-child{grid-column:span 2}
 .steps{grid-template-columns:1fr 1fr;row-gap:44px}.uses,.look{grid-template-columns:1fr}
 .example{grid-template-columns:1fr;gap:16px;padding:28px}
 .fgrid{grid-template-columns:1fr 1fr}section{padding:70px 0}.hero{padding:44px 0 60px}.band{padding:34px}.panel{padding:26px}
}
@media (min-width:1001px){.menu .mcta{display:none}}
@media (max-width:560px){.products{grid-template-columns:1fr}.p.wide:last-child{grid-column:span 1}.steps{grid-template-columns:1fr}.nav .logo img{height:42px}.process{border-radius:20px}.calc{padding:24px}}
/* full calculator page */
.ptabs{display:flex;gap:8px;flex-wrap:wrap;margin:0 0 30px}
.ptabs button{border:1.5px solid var(--line);background:var(--card);color:var(--ink);font:600 14px var(--sans);padding:12px 18px;border-radius:99px;cursor:pointer}
.ptabs button[aria-selected=true]{background:var(--navy);border-color:var(--navy);color:#fff}
.fcalc{display:grid;grid-template-columns:1fr 1fr;gap:30px;align-items:start}
.fcalc .calc h2{margin-bottom:18px}
.seg{display:grid;grid-template-columns:repeat(3,1fr);gap:6px;background:var(--bg);border:1.5px solid var(--line);border-radius:12px;padding:5px}
.seg.two{grid-template-columns:1fr 1fr}
.seg button{border:0;background:transparent;font:600 13px var(--sans);color:var(--muted);padding:10px 6px;border-radius:8px;cursor:pointer}
.seg button[aria-pressed=true]{background:var(--card);color:var(--ink);box-shadow:0 2px 6px rgba(11,45,91,.15)}
.hint{font-size:12px;color:var(--muted);margin:6px 0 0;line-height:1.5}
.out{position:sticky;top:110px;background:var(--navy);color:#D5DCE8;border-radius:22px;padding:34px}
.out h2{color:#fff;font-size:21px;margin-bottom:6px}
.out .big{font-size:clamp(34px,4vw,46px);font-weight:800;color:#fff;letter-spacing:-.03em;line-height:1.1;margin:18px 0 2px}
.out .bigl{font-size:14px;color:#AEB8CC}
.bd{width:100%;border-collapse:collapse;margin:24px 0;font-size:15px}
.bd td{padding:11px 0;border-top:1px solid rgba(255,255,255,.12)}
.bd td:last-child{text-align:right;font-weight:700;color:#fff}
.bd tr.tot td{border-top:2px solid var(--gold);font-size:16px}
.flag{background:rgba(201,163,50,.15);border:1px solid rgba(201,163,50,.5);color:#F2D27A;border-radius:10px;padding:12px 14px;font-size:14px;margin-bottom:20px}
.out .btn{width:100%}
.out .note{font-size:12px;color:#AEB8CC;margin:16px 0 0}
.gloss{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.gloss div{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:24px}
.gloss h3{font-size:16px;margin-bottom:6px}.gloss p{margin:0;font-size:14px;color:var(--muted)}
.calclink{display:inline-block;margin-top:14px;font-size:13px;font-weight:700;color:var(--ink)}
@media (max-width:1000px){.fcalc{grid-template-columns:1fr}.out{position:static}.gloss{grid-template-columns:1fr}}

/* photo hero (home) */
.hero.photo{position:relative;padding:110px 0 120px;background:#0a1c38 url("images/hero-home.webp") center right/cover no-repeat;isolation:isolate}
.hero.photo::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(6,20,45,.82) 0%,rgba(6,20,45,.5) 40%,rgba(6,20,45,.12) 72%,rgba(6,20,45,0) 100%),linear-gradient(0deg,rgba(6,20,45,.35) 0%,rgba(6,20,45,0) 30%)}
.hero.photo::after{content:"";position:absolute;left:0;right:0;bottom:0;height:4px;background:linear-gradient(90deg,#B8892A,#F2D27A,#B8892A)}
.hero.photo h1{color:#fff;text-shadow:0 2px 24px rgba(0,0,0,.35)}
.hero.photo .lead{color:#D8DFEA}
.hero.photo .trust{color:#C3CCDA}
.hero.photo .trust b{color:#fff}
.hero.photo .trust .ph,.hero.photo .trust b.ph{color:#F2D27A}
.btn.line.light{box-shadow:inset 0 0 0 1.5px rgba(255,255,255,.8);color:#fff}
.btn.line.light:hover{background:rgba(255,255,255,.1)}
.hero.photo .calc{box-shadow:0 40px 80px -30px rgba(0,0,0,.6)}
@media (max-width:1000px){.hero.photo{padding:70px 0 60px;background-position:30% center}.hero.photo::before{background:linear-gradient(180deg,rgba(6,20,45,.8) 0%,rgba(6,20,45,.7) 50%,rgba(6,20,45,.85) 100%)}}
.hero.photo{padding:64px 0 90px}
.hero.photo .grid{align-items:start}
.hero.photo .grid>div:first-child{padding-top:18px}
@media (max-width:1000px){.hero.photo{padding:44px 0 56px}.hero.photo .grid>div:first-child{padding-top:0}}

.why-photo{position:relative;margin:0;border-radius:24px;overflow:hidden;aspect-ratio:5/4;box-shadow:0 40px 80px -40px rgba(11,45,91,.5)}
.why-photo img{width:100%;height:100%;object-fit:cover;object-position:55% 30%;display:block}
.why-photo::after{content:"";position:absolute;left:0;right:0;bottom:0;height:4px;background:linear-gradient(90deg,#B8892A,#F2D27A,#B8892A)}
.why-photo figcaption{position:absolute;left:20px;bottom:24px;background:rgba(11,45,91,.92);backdrop-filter:blur(6px);color:#C9D2E1;border-radius:14px;padding:14px 18px;font-size:13px;border-left:3px solid var(--gold)}
.why-photo figcaption b{display:block;color:#fff;font-size:15px}

.whysec .why{align-items:stretch;grid-template-columns:.9fr 1.1fr}
.whysec .why-photo{aspect-ratio:auto;height:100%;min-height:520px}
.eyebrow{font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gold);margin:0 0 12px}
.why-intro{font-size:17px;color:var(--muted);margin:16px 0 30px;max-width:52ch}
.reasons{list-style:none;padding:0;margin:0 0 34px;display:grid;grid-template-columns:1fr 1fr;gap:26px 30px}
.reasons li{display:flex;gap:16px;align-items:flex-start}
.reasons .ic{margin:0;width:46px;height:46px}
.reasons b{display:block;color:var(--ink);font-size:16px;margin-bottom:4px}
.reasons span:not(.ic){font-size:14px;color:var(--muted);line-height:1.55}
.reasons span.ph{color:var(--gold)}
@media (max-width:1000px){.whysec .why{grid-template-columns:1fr}.whysec .why-photo{min-height:0;aspect-ratio:5/4}}
@media (max-width:560px){.reasons{grid-template-columns:1fr}}
.whysec .why-photo img{object-position:76% 40%}

.why-head{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:end;margin-bottom:50px}
.why-head .eyebrow{grid-column:1/-1;margin-bottom:-58px}
.why-head .why-intro{margin:0}
.whysec .why{grid-template-columns:1fr 1fr;align-items:center;gap:70px}
.whysec .why-photo{aspect-ratio:5/4;height:auto;min-height:0}
.whysec .why-photo img{object-position:center}
@media (max-width:1000px){.why-head{grid-template-columns:1fr;gap:14px}.why-head .eyebrow{margin-bottom:0}}
@media (max-width:1000px){.whysec .why{grid-template-columns:1fr;gap:36px}}
/* larger logo */
.nav{height:96px}
.nav .logo img{height:70px}
@media (max-width:1000px){.nav{height:84px}.nav .logo img{height:60px}.menu{top:84px;max-height:calc(100vh - 84px)}}
@media (max-width:560px){.nav .logo img{height:54px}}

/* products v2 */
.prodsec{padding-top:110px}
.pgrid{display:grid;grid-template-columns:repeat(6,1fr);gap:22px}
.pc{grid-column:span 2;position:relative;background:var(--card);border:1px solid var(--line);border-radius:22px;padding:30px;display:flex;flex-direction:column;transition:transform .25s ease,box-shadow .25s ease,border-color .25s}
.pc.big{grid-column:span 3;background:var(--navy);border-color:var(--navy);color:#C9D2E1;overflow:hidden}
.pc.big::before{content:"";position:absolute;right:-30%;bottom:-70%;width:110%;aspect-ratio:1;border-radius:50%;border-top:2px solid rgba(201,163,50,.55);pointer-events:none}
.pc:hover{transform:translateY(-4px);box-shadow:0 30px 60px -35px rgba(11,45,91,.45);border-color:var(--gold)}
.pc-link{position:absolute;inset:0;z-index:1;border-radius:22px}
.pc-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:26px}
.pc-top .ic{margin:0;width:52px;height:52px;border-radius:14px}
.pc.big .pc-top .ic{background:rgba(201,163,50,.15)}
.pc-tag{font-size:12px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;padding:6px 12px;border-radius:99px;background:var(--goldsoft);color:#8a6a10}
.pc.big .pc-tag{background:rgba(201,163,50,.18);color:#F2D27A}
.pc h3{font-size:22px;font-weight:800;letter-spacing:-.02em;margin-bottom:10px}
.pc.big h3{color:#fff;font-size:26px}
.pc p{margin:0 0 20px;color:var(--muted);font-size:15px}
.pc.big p{color:#AEB8CC;font-size:16px;max-width:40ch}
.pc-facts{list-style:none;padding:0;margin:0 0 26px;display:grid;gap:8px;font-size:14px;font-weight:600;color:var(--ink)}
.pc.big .pc-facts{color:#fff}
.pc-facts li{display:flex;gap:10px;align-items:center}
.pc-facts li::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--gold);flex:none}
.pc-foot{margin-top:auto;display:flex;justify-content:space-between;align-items:center;gap:12px;padding-top:20px;border-top:1px solid var(--line)}
.pc.big .pc-foot{border-color:rgba(255,255,255,.14)}
.pc-more{font-weight:700;font-size:14px;color:var(--ink)}
.pc.big .pc-more{color:#fff}
.pc-more i{font-style:normal;display:inline-block;transition:transform .2s;color:var(--gold)}
.pc:hover .pc-more i{transform:translateX(4px)}
.pc-enq{position:relative;z-index:2;border:1.5px solid var(--gold);background:transparent;color:var(--ink);font:700 13px var(--sans);padding:9px 16px;border-radius:99px;cursor:pointer}
.pc.big .pc-enq{color:#F2D27A}
.pc-enq:hover{background:var(--gold);color:#001B3F}
.notsure{margin-top:26px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;background:var(--goldsoft);border-radius:22px;padding:28px 34px}
.notsure b{display:block;color:var(--ink);font-size:19px}
.notsure span{color:var(--muted);font-size:15px}
/* process v2 */
.process{position:relative;overflow:hidden;padding:100px 0}
.process::before{content:"";position:absolute;left:-15%;right:-15%;top:-65%;height:120%;border-radius:50%;border-bottom:2px solid rgba(201,163,50,.35);pointer-events:none}
.process .wrap{position:relative}
.process .eyebrow{color:#E0BE55}
.pr-head{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:end;margin-bottom:60px}
.pr-head h2{color:#fff;font-size:clamp(30px,3.6vw,46px);font-weight:800;letter-spacing:-.03em;line-height:1.1}
.pr-head>p{margin:0;color:#AEB8CC;font-size:17px}
.timeline{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:22px;position:relative}
.timeline::before{content:"";position:absolute;left:30px;right:30px;top:30px;height:2px;background:linear-gradient(90deg,#C9A332,rgba(201,163,50,.2))}
.timeline li{position:relative;background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);border-radius:20px;padding:0 24px 26px;margin-top:30px}
.st-ic{width:60px;height:60px;border-radius:50%;background:var(--gold);color:#001B3F;display:grid;place-items:center;margin:-30px 0 20px;box-shadow:0 0 0 8px var(--navy)}
.st-n{display:block;font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:#AEB8CC}
.st-t{display:inline-block;margin:8px 0 12px;font-size:13px;font-weight:700;color:#001B3F;background:#F2D27A;padding:4px 10px;border-radius:99px}
.st-t .ph{color:#001B3F}
.timeline b{display:block;color:#fff;font-size:18px;margin-bottom:6px}
.timeline p{margin:0;font-size:15px;color:#C3CCDA}
.pr-foot{display:grid;grid-template-columns:1.6fr 1fr;gap:22px;margin-top:22px}
.need{border:1px solid rgba(255,255,255,.12);border-radius:20px;padding:26px 28px}
.need b{color:#fff;font-size:16px}
.need ul{list-style:none;padding:0;margin:14px 0 0;display:grid;grid-template-columns:1fr 1fr;gap:10px 24px;font-size:15px;color:#C3CCDA}
.need li{padding-left:26px;position:relative}
.need li::before{content:"";position:absolute;left:0;top:5px;width:14px;height:14px;border-radius:50%;background:var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10l3 3 7-7' stroke='%23001B3F' stroke-width='3' fill='none'/%3E%3C/svg%3E") center/10px no-repeat}
.pr-cta{background:#fff;border-radius:20px;padding:26px 28px;display:flex;flex-direction:column;gap:4px}
.pr-cta span{font-size:13px;color:#5E6B82;font-weight:600}
.pr-cta b{font-size:28px;color:#001B3F;font-weight:800;letter-spacing:-.02em;margin-bottom:14px}
.pr-cta b.ph{color:#b8892a}
@media (max-width:1000px){
 .pgrid{grid-template-columns:1fr 1fr}.pc,.pc.big{grid-column:span 1}.pc:last-child{grid-column:span 2}
 .pr-head{grid-template-columns:1fr;gap:14px;margin-bottom:40px}
 .timeline{grid-template-columns:1fr 1fr;row-gap:40px}.timeline::before{display:none}
 .pr-foot{grid-template-columns:1fr}.need ul{grid-template-columns:1fr}
 .process{padding:70px 0}
}
@media (max-width:560px){.pgrid{grid-template-columns:1fr}.pc:last-child{grid-column:span 1}.timeline{grid-template-columns:1fr}.notsure{padding:24px}}
@media (prefers-reduced-motion:reduce){.pc,.pc-more i{transition:none}.pc:hover{transform:none}}
.process::before{display:none}
.pc.big::before{right:-45%;bottom:-120%;width:120%;border-top-color:rgba(201,163,50,.35)}

/* products page */
.hero.photo.prodhero{background-image:url("images/hero-products.webp");background-position:center right;padding:70px 0 80px}
.hero.photo.prodhero::before{background:linear-gradient(90deg,rgba(6,20,45,.9) 0%,rgba(6,20,45,.7) 38%,rgba(6,20,45,.2) 68%,rgba(6,20,45,0) 100%),linear-gradient(0deg,rgba(6,20,45,.45) 0%,rgba(6,20,45,0) 35%)}
.prodhero .wrap{max-width:1200px}
.prodhero h1,.prodhero .lead,.prodhero .btns,.prodhero .jump{max-width:640px}
.prodhero .eyebrow{color:#F2D27A}
.crumb.light,.crumb.light a{color:#C3CCDA}
.jump{display:flex;flex-wrap:wrap;gap:8px;margin-top:36px}
.jump a{font-size:13px;font-weight:600;color:#fff;text-decoration:none;padding:9px 14px;border-radius:99px;border:1px solid rgba(255,255,255,.35);background:rgba(6,20,45,.35);backdrop-filter:blur(4px)}
.jump a:hover{border-color:#F2D27A;color:#F2D27A}
.tscroll{overflow-x:auto;border:1px solid var(--line);border-radius:20px;background:var(--card)}
.cmp{width:100%;border-collapse:collapse;min-width:900px;font-size:14px}
.cmp th,.cmp td{padding:18px 20px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.cmp thead th{background:var(--navy);color:#fff;font-size:13px;font-weight:700;letter-spacing:.02em}
.cmp tbody tr:last-child th,.cmp tbody tr:last-child td{border-bottom:0}
.cmp tbody th a{color:var(--ink);font-weight:700;text-decoration:none;border-bottom:2px solid var(--gold)}
.cmp tbody tr:hover{background:var(--goldsoft)}
.whoband{display:grid;grid-template-columns:1fr 1.4fr;gap:50px;align-items:center;background:var(--navy);border-radius:24px;padding:44px}
.whoband h2{color:#fff;font-size:clamp(24px,2.6vw,34px);font-weight:800;letter-spacing:-.02em;line-height:1.15}
.whoband .eyebrow{color:#F2D27A}
.whoband ul{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:10px}
.whoband li{color:#fff;font-size:14px;font-weight:600;padding:10px 16px;border-radius:99px;border:1px solid rgba(201,163,50,.5);background:rgba(201,163,50,.1)}
.sub a b{color:var(--ink)}
@media (max-width:1000px){.hero.photo.prodhero{background-position:35% center}.hero.photo.prodhero::before{background:linear-gradient(180deg,rgba(6,20,45,.78),rgba(6,20,45,.72) 60%,rgba(6,20,45,.85))}.whoband{grid-template-columns:1fr;padding:30px;gap:24px}}

.credit{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;margin-top:22px;padding-top:18px;border-top:1px solid var(--line);font-size:12px;color:var(--muted)}
.credit a{text-decoration:none;color:var(--muted);letter-spacing:.02em;transition:color .2s}
.credit a b{font-weight:700;color:var(--ink);transition:color .2s}
.credit a:hover,.credit a:hover b{color:var(--gold)}
@media (max-width:560px){.credit{flex-direction:column;align-items:flex-start;gap:8px}}

.pc:hover{transform:none;box-shadow:none;border-color:var(--line)}
.pc.big:hover{border-color:var(--navy)}
.pc-more{text-decoration:none}
.pc-more:hover{color:var(--gold)}
.pc.big .pc-more:hover{color:#F2D27A}
.pc:hover .pc-more i{transform:none}
.pc-more:hover i{transform:translateX(4px)}
/* lighter products hero */
.hero.photo.prodhero::before{background:linear-gradient(90deg,rgba(6,20,45,.72) 0%,rgba(6,20,45,.45) 32%,rgba(6,20,45,.08) 58%,rgba(6,20,45,0) 100%)}
.prodhero h1,.prodhero .lead,.prodhero .eyebrow,.prodhero .crumb{text-shadow:0 1px 18px rgba(6,20,45,.55)}
@media (max-width:1000px){.hero.photo.prodhero::before{background:linear-gradient(180deg,rgba(6,20,45,.62),rgba(6,20,45,.5) 60%,rgba(6,20,45,.7))}}
.hero.photo.prodhero{padding:56px 0 64px}
.prodhero h1{font-size:clamp(38px,4.6vw,60px);margin-bottom:18px}
.prodhero .lead{margin-bottom:28px}
.prodhero .jump{margin-top:28px}
/* mobile photo heroes: show the image at a sensible size at the top, fade into navy */
@media (max-width:1000px){
 .hero.photo{background-color:#0b1d3a;background-repeat:no-repeat;background-size:auto 560px;background-position:68% top}
 .hero.photo::before{background:linear-gradient(180deg,rgba(6,20,45,.30) 0px,rgba(6,20,45,.50) 300px,rgba(11,29,58,.92) 480px,#0b1d3a 560px)}
 .hero.photo h1,.hero.photo .lead,.hero.photo .eyebrow,.hero.photo .crumb{text-shadow:0 2px 16px rgba(6,20,45,.75)}
 .hero.photo.prodhero{background-size:auto 620px;background-position:62% top}
 .hero.photo.prodhero::before{background:linear-gradient(180deg,rgba(6,20,45,.28) 0px,rgba(6,20,45,.45) 320px,rgba(11,29,58,.9) 540px,#0b1d3a 620px)}
}
@media (min-width:700px) and (max-width:1000px){.hero.photo{background-size:cover;background-position:center top}.hero.photo.prodhero{background-size:cover}}

.addr{font-style:normal;font-weight:700;color:var(--ink);font-size:16px;line-height:1.5}
.addr.foot{font-weight:400;color:var(--muted);font-size:14px;margin:16px 0 0}
a.mail{color:inherit;text-decoration:none;border-bottom:1px solid var(--gold)}
a.mail:hover{color:var(--gold)}
footer a.mail{border-bottom:0}

/* product images */
.img-resi{--img:url("images/residential-bridging.webp")}
.img-comm{--img:url("images/commercial-bridging.webp")}
.img-biz{--img:url("images/business-loans.webp")}
/* product page heroes */
.hero.phero{padding:64px 0 140px}
.hero.phero h1{color:#fff;font-size:clamp(38px,4.8vw,64px);max-width:15ch;margin-bottom:18px;text-shadow:0 2px 20px rgba(6,20,45,.5)}
.hero.phero .lead{color:#E2E7F0;max-width:50ch;text-shadow:0 1px 14px rgba(6,20,45,.6)}
.hero.phero .eyebrow{color:#F2D27A;text-shadow:0 1px 10px rgba(6,20,45,.6)}
.hero.phero .crumb{text-shadow:0 1px 10px rgba(6,20,45,.6)}
.hero.photo.phero{background-image:var(--img);background-position:center right}
.hero.photo.phero::before{background:linear-gradient(90deg,rgba(6,20,45,.78) 0%,rgba(6,20,45,.5) 34%,rgba(6,20,45,.1) 62%,rgba(6,20,45,0) 100%),linear-gradient(0deg,rgba(6,20,45,.35) 0%,rgba(6,20,45,0) 30%)}
.hero.photo.phero.img-biz{background-position:70% center}
.hero.phero.navyhero{background:var(--navy);position:relative;overflow:hidden}
.hero.phero.navyhero::after{content:"";position:absolute;left:-10%;right:-10%;bottom:-70%;height:120%;border-radius:50%;border-top:3px solid rgba(201,163,50,.55);pointer-events:none}
.glancebar{position:relative;z-index:2;margin-top:-80px;background:var(--card);border:1px solid var(--line);border-radius:22px;padding:26px 30px 20px;box-shadow:0 30px 70px -35px rgba(11,45,91,.45)}
.glancebar::before{content:"";position:absolute;inset:0 0 auto 0;height:5px;border-radius:22px 22px 0 0;background:linear-gradient(90deg,#B8892A,#F2D27A,#B8892A)}
.glancebar h2{font-size:14px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--gold);margin:4px 0 16px}
.glancebar dl{display:grid;grid-template-columns:repeat(5,1fr);gap:18px;margin:0}
.glancebar dl>div{padding-left:18px;border-left:1px solid var(--line)}
.glancebar dl>div:first-child{padding-left:0;border-left:0}
.glancebar dt{font-size:13px;color:var(--muted);margin-bottom:4px}
.glancebar dd{margin:0;font-weight:700;color:var(--ink);font-size:16px;line-height:1.35}
.glancebar small{display:block;margin-top:16px;padding-top:12px;border-top:1px solid var(--line);font-size:12px;color:var(--muted)}
/* big product cards with photos */
.pc.big.img-resi,.pc.big.img-comm{background-image:linear-gradient(180deg,rgba(11,45,91,.78) 0%,rgba(11,45,91,.88) 45%,rgba(11,45,91,.97) 100%),var(--img);background-size:cover;background-position:center}
.pc.big.img-resi::before,.pc.big.img-comm::before{display:none}
@media (max-width:1000px){
 .hero.phero{padding:44px 0 110px}
 .glancebar dl{grid-template-columns:1fr 1fr}
 .glancebar dl>div{padding-left:0;border-left:0;padding-top:12px;border-top:1px solid var(--line)}
 .glancebar dl>div:nth-child(-n+2){border-top:0;padding-top:0}
 .hero.photo.phero.img-biz{background-position:78% top}
}
@media (max-width:560px){.glancebar{padding:22px 20px 16px}.glancebar dl{grid-template-columns:1fr}.glancebar dl>div:nth-child(2){border-top:1px solid var(--line);padding-top:12px}}
.glancebar+section{padding-top:80px!important}
.pc.big.img-resi,.pc.big.img-comm{background-image:linear-gradient(180deg,rgba(11,45,91,.45) 0%,rgba(11,45,91,.8) 42%,rgba(11,45,91,.96) 100%),var(--img)}

/* about page */
.img-about{--img:url("images/hero-about.webp")}
.hero.photo.phero.img-about{background-position:60% center}
.statbar dl{grid-template-columns:repeat(4,1fr)}
.statbar dd{font-size:17px}
.statbar+section{padding-top:100px!important}
.story{display:grid;grid-template-columns:.85fr 1.15fr;gap:70px;align-items:start}
.story-text p{margin:0 0 18px;font-size:17px}
.story-text p.big{font-size:22px;line-height:1.5;color:var(--ink);font-weight:600;letter-spacing:-.01em;padding-left:22px;border-left:3px solid var(--gold);margin-bottom:26px}
.journeysec{padding-top:0}
.journey{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:22px;position:relative}
.journey::before{content:"";position:absolute;left:0;right:0;top:27px;height:2px;background:linear-gradient(90deg,var(--gold),rgba(201,163,50,.15))}
.journey li{position:relative;background:var(--card);border:1px solid var(--line);border-radius:20px;padding:0 24px 26px;margin-top:28px}
.journey li:last-child{background:var(--navy);border-color:var(--navy)}
.journey li:last-child b{color:#fff}.journey li:last-child p{color:#C3CCDA}
.j-n{display:inline-grid;place-items:center;width:54px;height:54px;border-radius:50%;background:var(--gold);color:#001B3F;font-weight:800;font-size:16px;margin:-27px 0 18px;box-shadow:0 0 0 6px var(--bg)}
.journey b{display:block;color:var(--ink);font-size:18px;margin-bottom:6px}
.journey p{margin:0;color:var(--muted);font-size:15px}
.values{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.values div{border-top:3px solid var(--gold);padding-top:20px}
.v-n{font-size:13px;font-weight:800;color:var(--gold);letter-spacing:.06em}
.values h3{font-size:19px;margin:8px 0 8px}
.values p{margin:0;color:var(--muted);font-size:15px}
@media (max-width:1000px){.statbar dl{grid-template-columns:1fr 1fr}.story{grid-template-columns:1fr;gap:24px}.journey{grid-template-columns:1fr 1fr;row-gap:40px}.journey::before{display:none}.values{grid-template-columns:1fr 1fr}.hero.photo.phero.img-about{background-position:62% top}}
@media (max-width:560px){.journey,.values{grid-template-columns:1fr}}
@media (max-width:560px){.statbar dl{grid-template-columns:1fr 1fr}.statbar dl>div:nth-child(2){border-top:0;padding-top:0}.statbar dd{font-size:15px}}
/* About hero: split layout so text sits on clean navy, photo on the right */
.hero.photo.phero.img-about{background:#001B3F}
.hero.photo.phero.img-about::before{left:46%;background:linear-gradient(90deg,#001B3F 0%,rgba(11,45,91,0) 22%),var(--img) 58% center/cover no-repeat}
.img-about h1{max-width:13ch}
.img-about .lead{max-width:40ch}
.img-about .wrap>*{position:relative;max-width:540px}
@media (max-width:1000px){
 .hero.photo.phero.img-about{background:#0b1d3a var(--img) 62% top/auto 560px no-repeat}
 .hero.photo.phero.img-about::before{left:0;background:linear-gradient(180deg,rgba(6,20,45,.55) 0px,rgba(6,20,45,.72) 280px,rgba(11,29,58,.95) 480px,#0b1d3a 560px)}
}
@media (min-width:700px) and (max-width:1000px){.hero.photo.phero.img-about{background-size:cover}}
.gbf{--r:var(--f-radius,10px);color:var(--f-ink);font-family:var(--f-font,inherit)}
.gbf fieldset{border:0;margin:0;padding:0;min-width:0;display:none}.gbf fieldset.on{display:block}
.gbf legend{font-size:22px;font-weight:700;color:var(--f-ink);margin:0 0 20px;padding:0;font-family:var(--f-head,inherit)}
.gbf-top{display:flex;align-items:center;gap:14px;margin-bottom:24px;font-size:13px;color:var(--f-muted);white-space:nowrap}
.gbf-prog{flex:1;height:4px;background:var(--f-line);border-radius:4px;overflow:hidden}
.gbf-prog i{display:block;height:100%;width:25%;background:var(--f-accent);transition:width .4s}
.gbf-tiles{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.gbf-tiles label{cursor:pointer;position:relative}
.gbf-tiles input{position:absolute;opacity:0}
.gbf-tiles span{display:block;height:100%;border:1.5px solid var(--f-line);border-radius:var(--r);padding:14px 16px;background:var(--f-field);transition:border-color .2s,background .2s}
.gbf-tiles b{display:block;font-size:15px;color:var(--f-ink)}
.gbf-tiles small{display:block;font-size:13px;color:var(--f-muted);line-height:1.4;margin-top:2px}
.gbf-tiles input:checked+span{border-color:var(--f-accent);box-shadow:inset 0 0 0 1px var(--f-accent)}
.gbf-tiles input:focus-visible+span{outline:2px solid var(--f-accent);outline-offset:2px}
.gbf-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.gbf-grid .full{grid-column:1/-1}
.gbf-grid label{display:flex;flex-direction:column;gap:7px;font-size:14px;font-weight:600;color:var(--f-ink)}
.gbf-grid small{font-weight:400;color:var(--f-muted)}
.gbf input:not([type=radio]):not([type=checkbox]),.gbf select,.gbf textarea{font:500 16px var(--f-font,inherit);color:var(--f-ink);background:var(--f-field);border:1.5px solid var(--f-line);border-radius:var(--r);padding:13px 14px;width:100%;min-width:0}
.gbf select{appearance:none;background-image:linear-gradient(45deg,transparent 50%,currentColor 50%),linear-gradient(135deg,currentColor 50%,transparent 50%);background-position:calc(100% - 20px) 55%,calc(100% - 15px) 55%;background-size:5px 5px;background-repeat:no-repeat;padding-right:36px}
.gbf input:focus,.gbf select:focus,.gbf textarea:focus{outline:none;border-color:var(--f-accent)}
.gbf-money{display:flex;align-items:center;border:1.5px solid var(--f-line);border-radius:var(--r);background:var(--f-field)}
.gbf-money:focus-within{border-color:var(--f-accent)}
.gbf-money em{font-style:normal;padding-left:14px;color:var(--f-muted)}
.gbf .gbf-money input{border:0!important;background:transparent!important}
.gbf-check{flex-direction:row!important;align-items:flex-start;font-weight:400!important;font-size:14px!important;gap:12px!important}
.gbf-check input{width:20px;height:20px;margin:2px 0 0;accent-color:var(--f-accent);flex:none}
.gbf .bad,.gbf .bad+span,.gbf-money.bad{border-color:#c0392b!important}
.gbf-ltv{margin:0;padding:12px 14px;border-radius:var(--r);background:var(--f-soft);font-size:14px;color:var(--f-ink)}
.gbf-err{color:#c0392b;font-size:14px;margin:16px 0 0}
.gbf-nav{display:flex;justify-content:space-between;gap:12px;margin-top:26px}
.gbf-nav button{font:700 15px var(--f-font,inherit);padding:15px 28px;border-radius:var(--r);cursor:pointer;border:0}
.gbf-next{background:var(--f-accent);color:var(--f-accent-ink);margin-left:auto}
.gbf-back{background:transparent;color:var(--f-ink);box-shadow:inset 0 0 0 1.5px var(--f-line)}
.gbf-done{text-align:left}
.gbf-tick{width:52px;height:52px;border-radius:50%;background:var(--f-accent);color:var(--f-accent-ink);display:grid;place-items:center;font-size:24px;font-weight:700;margin-bottom:18px}
.gbf-done h3{font-size:24px;margin:0 0 8px;color:var(--f-ink);font-family:var(--f-head,inherit)}
.gbf-done p{color:var(--f-muted);margin:0 0 20px}
.gbf-done dl{display:grid;grid-template-columns:auto 1fr;gap:6px 18px;margin:0;font-size:14px;padding:16px;border-radius:var(--r);background:var(--f-soft)}
.gbf-done dt{color:var(--f-muted)}.gbf-done dd{margin:0;color:var(--f-ink);font-weight:600}
@media (max-width:560px){.gbf-tiles,.gbf-grid{grid-template-columns:1fr}}

.gbf-lbl{display:flex;flex-direction:column;gap:7px;font-size:14px;font-weight:600;color:var(--f-ink)}
.gbf-chips{display:flex;gap:8px;flex-wrap:wrap}
.gbf-chips span{position:relative}
.gbf-chips input{position:absolute;opacity:0}
.gbf-chips label{display:block;border:1.5px solid var(--f-line);border-radius:99px;padding:10px 16px;font-weight:600;font-size:14px;cursor:pointer;background:var(--f-field)}
.gbf-chips input:checked+label{border-color:var(--navy);background:var(--navy);color:#fff}
.gbf-chips input:focus-visible+label{outline:2px solid var(--gold);outline-offset:2px}
.gbf-chips.bad label{border-color:#c0392b}
.gbf-hp{position:absolute!important;left:-9999px;width:1px;height:1px;overflow:hidden}
.gbf-small{font-size:13px;color:var(--f-muted);margin:16px 0 0}
.gbf-done:focus{outline:none}
ol.gbf-next{margin:0 0 18px;padding:16px 16px 16px 36px;background:var(--f-soft);border-radius:12px;font-size:15px;font-weight:600;color:var(--f-ink)}
ol.gbf-next li{padding:3px 0}
.gbf-done .gbf-tick{background:var(--gold);color:#001B3F}

#gbfNew{font:700 15px var(--sans);padding:15px 28px;border-radius:var(--r);cursor:pointer;border:0;background:transparent;color:var(--f-ink);box-shadow:inset 0 0 0 1.5px var(--f-line)}
#gbfNew:hover{box-shadow:inset 0 0 0 1.5px var(--gold)}

/* approved legal wording (footer + legal pages) */
.legal p{margin:0 0 10px}.legal p:last-child{margin-bottom:0}
.legal .warn b{color:var(--ink);font-weight:700}
.legalpage h3{font-size:16px;margin:22px 0 6px}
.legalpage address{font-style:normal;line-height:1.7;margin:0 0 16px}
.legalpage .hint{margin-top:30px}
/* approved risk warnings + enquiry form privacy wording */
.riskbox{background:var(--goldsoft);border-left:4px solid var(--gold);border-radius:0 12px 12px 0;padding:16px 20px;margin:28px 0 0;font-size:14px;line-height:1.6;color:var(--ink)}
.legalpage .riskbox{margin:0 0 10px}
.legalpage ul{padding-left:22px;margin:0 0 14px}.legalpage li{margin:4px 0}
.gbf-legal{font-size:12.5px;line-height:1.6;color:var(--muted);background:var(--bg,#F7F8FA);border:1px solid var(--line);border-radius:12px;padding:14px 16px}
.gbf-legal b{display:block;color:var(--ink);font-size:13px;margin:4px 0 4px}.gbf-legal b:not(:first-child){margin-top:12px}
.gbf-legal p{margin:0 0 6px}
.gbf .riskbox{font-size:13px;padding:12px 16px;margin:18px 0 0}
.gbf-links a{color:inherit}
.wrap>.riskbox{margin:28px 0 36px}
.legalpage address.addr{font-weight:400;font-size:15px;color:var(--ink)}
.cookie{z-index:2147483647}

/* "We get it." brand line: bold, gold full stop */
.wgi{font-weight:800;color:var(--ink)}
.wgi span,.wgi-h1 .stop{color:var(--gold)}
.hero .wgi,.band .wgi,.process .wgi{color:#fff}
.wgi-h1{letter-spacing:-.04em}
.wgi-h1 .thin{font-size:.5em;letter-spacing:-.02em;line-height:1.2;margin-top:12px}
.wgi-line{font-size:clamp(18px,2vw,22px);font-weight:600;margin:-8px 0 18px}
.hero .wgi-line{color:#fff}
.story-text .wgi-line{color:var(--ink);margin:6px 0 0}

/* client figures + "coming soon" products */
[hidden]{display:none!important}
.trust-note{font-size:12px;color:#AEB8CC;margin:14px 0 0;max-width:46ch}
.pr-note{font-size:13px;color:#AEB8CC;margin:24px 0 30px}
.pr-urgent{font-size:13px;line-height:1.5;margin:8px 0 14px;color:var(--muted)}
.pc.soon{opacity:.75}
.pc.soon .pc-tag{background:var(--line);color:var(--muted)}

/* "Speak to a real person" box (contact page) */
.talk{background:var(--navy,#001B3F);color:#fff;border-radius:18px;padding:26px 24px;margin-top:22px}
.talk .eyebrow{margin:0 0 6px}
.talk h2{color:#fff;font-size:24px;font-weight:800;letter-spacing:-.02em;margin:0 0 8px}
.talk>p{color:#C3CCDA;font-size:15px;margin:0 0 16px}
.talk-ways{list-style:none;padding:0;margin:0 0 20px}
.talk-ways li{padding:12px 0;border-top:1px solid rgba(255,255,255,.14)}
.talk-ways b{display:block;color:#fff;font-size:15px}
.talk-ways span{font-size:14px;color:#C3CCDA}
.talk-ways a{color:#F2D27A}
.talk .btn{width:100%}
.talk .talk-hours{font-size:13px;color:#AEB8CC;margin:14px 0 0}
.cookie-chat{background:var(--goldsoft);border-radius:10px;padding:10px 12px;font-size:13px}
.talk .eyebrow{color:#F2D27A}

/* contact page */
.img-contact{--img:url("images/hero-contact.webp")}
.hero.photo.phero.img-contact{background-position:center}
.waysbar dl{grid-template-columns:repeat(4,1fr)}
.waysbar dd{font-size:15px;overflow-wrap:anywhere}
.waysbar small{display:block;margin-top:16px}
.enqsec{padding-top:80px;scroll-margin-top:80px}
.enqsec .h2{margin-bottom:14px}
.enqsec .checks{margin:22px 0 28px}
.office{border-top:1px solid var(--line);padding-top:20px;font-size:14px;color:var(--muted)}
.office span{display:block;font-weight:600;color:var(--ink);margin-bottom:4px}
.office address{font-style:normal;line-height:1.6}
@media (max-width:900px){.waysbar dl{grid-template-columns:1fr 1fr}.waysbar dl>div:nth-child(3){padding-left:0;border-left:0}}
@media (max-width:560px){.waysbar dl{grid-template-columns:1fr}.waysbar dl>div{padding-left:0;border-left:0}}
@media (max-width:900px){.enqsec .office{display:none}.hero.photo.phero.img-contact::before{background:linear-gradient(0deg,rgba(6,20,45,.75),rgba(6,20,45,.55))}}
/* homepage headline + "We get it." */
.hero h1.home-h1{font-size:clamp(36px,4.6vw,62px);max-width:16ch;margin-bottom:14px}
.home-wgi{font-size:clamp(26px,2.8vw,36px);letter-spacing:-.02em;margin:0 0 22px;line-height:1.1}

/* brokers page */
.img-broker{--img:url("images/why-meeting.webp")}
.hero.photo.phero.img-broker{background-position:center 30%}
.hero.phero.img-broker h1{max-width:18ch}
.brk-steps .v-n{display:block;font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gold);margin-bottom:8px}
.brk-two{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:start}
.brk-list{columns:1;margin:0}
.brk-legal{max-width:860px;font-size:14px;color:var(--muted);line-height:1.65}
.brk-legal h2{font-size:18px;color:var(--ink);margin:0 0 10px}
.brk-legal h2:not(:first-child){margin-top:30px}
.brk-legal p{margin:0 0 10px}
@media (max-width:900px){.brk-two{grid-template-columns:1fr;gap:20px}}
/* keep the desktop menu on one line on smaller laptops */
.menu a,.menu button.dd,.nav .cta{white-space:nowrap}
@media (max-width:1240px) and (min-width:1001px){.menu{gap:20px;font-size:13.5px}.nav{gap:16px}.nav .cta{padding:12px 16px}}
@media (max-width:900px){.hero.photo.phero.img-broker::before{background:linear-gradient(0deg,rgba(6,20,45,.78),rgba(6,20,45,.6))}}
.img-broker{--img:url("images/hero-brokers.webp")}
.hero.photo.phero.img-broker{background-position:center 40%}

/* "Submit a case" box */
.casebox{border:0;border-radius:20px;padding:34px 30px 30px;max-width:520px;width:calc(100% - 32px);box-shadow:0 40px 90px -30px rgba(6,20,45,.6);color:var(--ink);background:var(--card,#fff)}
.casebox::backdrop{background:rgba(6,20,45,.55)}
.casebox h2{font-size:24px;font-weight:800;letter-spacing:-.02em;margin:0 0 18px}
.casebox .eyebrow{margin:0 0 6px}
.casebox p{font-size:14px;color:var(--muted);line-height:1.6;margin:0 0 20px}
.casebox-mail{background:var(--goldsoft);border-radius:14px;padding:16px;margin:0 0 18px;display:flex;flex-wrap:wrap;gap:12px;align-items:center;justify-content:space-between}
.casebox-mail b{font-size:17px;overflow-wrap:anywhere}
.casebox .btns{display:flex;gap:10px;flex-wrap:wrap}
.casebox-x{position:absolute;top:12px;right:14px;background:none;border:0;font-size:28px;line-height:1;cursor:pointer;color:var(--muted);padding:4px 8px}
.casebox-x:hover{color:var(--ink)}
.casebox-mail b{font-size:clamp(14px,3.9vw,17px);overflow-wrap:normal;white-space:nowrap}
.casebox .eyebrow{color:var(--gold)}
@media (max-width:480px){.casebox{padding:30px 20px 22px}.casebox .btns .btn{width:100%;text-align:center}}

/* what we lend on (products page) */
.lendon{margin-bottom:40px}
.lend-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.lend-grid>div{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:24px}
.lend-grid h3{font-size:16px;color:var(--ink);margin:0 0 12px;padding-bottom:12px;border-bottom:2px solid var(--gold)}
.lend-grid ul{list-style:none;padding:0;margin:0;font-size:14.5px}
.lend-grid li{padding:6px 0 6px 22px;position:relative}
.lend-grid li::before{content:"";position:absolute;left:0;top:13px;width:8px;height:8px;border-radius:50%;background:var(--gold)}
.lend-facts{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;background:var(--navy);border-radius:18px;padding:22px 26px;margin:20px 0 14px}
.lend-facts dt{font-size:12px;color:#AEB8CC;text-transform:uppercase;letter-spacing:.06em}
.lend-facts dd{margin:4px 0 0;color:#fff;font-weight:700;font-size:16px}
@media (max-width:900px){.lend-grid,.lend-facts{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.lend-grid{grid-template-columns:1fr}}
/* trust strip (homepage) */
.trustsec{padding:10px 0 50px}
.trustbar{list-style:none;margin:0;padding:24px 28px;display:grid;grid-template-columns:repeat(4,1fr);gap:20px;border:1px solid var(--line);border-radius:18px;background:var(--card)}
.trustbar li{padding-left:16px;border-left:3px solid var(--gold)}
.trustbar b{display:block;color:var(--ink);font-size:14.5px}
.trustbar span{font-size:13px;color:var(--muted)}
@media (max-width:900px){.trustbar{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.trustbar{grid-template-columns:1fr}}
/* page not found */
.nf{padding:110px 0 120px;text-align:center}
.nf h1{font-size:clamp(32px,4.4vw,54px);font-weight:800;letter-spacing:-.03em;color:var(--ink);margin:0 0 14px}
.nf .lead{max-width:46ch;margin:0 auto 28px}
.nf .btns{justify-content:center}
.nf-links{list-style:none;padding:0;margin:36px 0 0;display:flex;gap:26px;justify-content:center;flex-wrap:wrap;font-weight:600}
.nf-links a{color:var(--ink)}
/* skip link (keyboard users) */
.skip{position:absolute;left:16px;top:-60px;z-index:2147483647;background:var(--navy);color:#fff;padding:12px 18px;border-radius:10px;font-weight:700;text-decoration:none;transition:top .15s}
.skip:focus{top:12px}
main:focus{outline:none}
@media (prefers-reduced-motion:reduce){*,*::before,*::after{transition:none!important;animation:none!important;scroll-behavior:auto!important}}

/* brokers page: tidy layout */
.brk-panel{background:var(--navy);border-radius:28px;padding:56px;display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:start;color:#C3CCDA}
.brk-howto .eyebrow{color:#F2D27A;margin:0 0 8px}
.brk-howto h2{color:#fff;font-size:clamp(28px,3.2vw,42px);font-weight:800;letter-spacing:-.03em;margin:0 0 30px}
.brk-ol{list-style:none;padding:0;margin:0;counter-reset:b}
.brk-ol li{counter-increment:b;position:relative;padding:0 0 26px 58px}
.brk-ol li::before{content:counter(b);position:absolute;left:0;top:0;width:38px;height:38px;border-radius:50%;background:var(--gold);color:var(--navy);font-weight:800;display:grid;place-items:center}
.brk-ol li:not(:last-child)::after{content:"";position:absolute;left:18px;top:44px;bottom:6px;width:2px;background:rgba(242,210,122,.35)}
.brk-ol b{display:block;color:#fff;font-size:17px;margin:6px 0 4px}
.brk-ol span{font-size:15px;line-height:1.6}
.brk-hours{font-size:13px;color:#AEB8CC;margin:6px 0 0;padding-top:20px;border-top:1px solid rgba(255,255,255,.12)}
.brk-card{background:var(--card,#fff);border-radius:20px;padding:30px;color:var(--text)}
.brk-card h3{color:var(--ink);font-size:20px;margin:0 0 8px}
.brk-card .checks{margin:0 0 24px;font-size:15px}
.brk-card .checks li{padding:6px 0 6px 30px}
.brk-card .checks li::before{top:9px}
.brk-card .btn{width:100%;justify-content:center;text-align:center}
.brk-card .btn+.btn{margin-top:10px}
.brk-info{background:var(--card);border:1px solid var(--line);border-radius:24px;padding:40px}
.brk-info>h2{font-size:22px;color:var(--ink);margin:0 0 22px}
.brk-info-grid{display:grid;grid-template-columns:1fr 1fr;gap:44px}
.brk-info h3{font-size:16px;color:var(--ink);margin:0 0 10px}
.brk-info p{font-size:14px;color:var(--muted);line-height:1.65;margin:0 0 10px}
.brk-info .riskbox{margin:20px 0 0}
@media (max-width:900px){.brk-panel{grid-template-columns:1fr;padding:32px 22px;gap:30px}.brk-info{padding:26px 20px}.brk-info-grid{grid-template-columns:1fr;gap:16px}}
/* about page: neater layout */
.about-story{padding-bottom:70px}
.about-role .eyebrow{margin:0 0 6px}
.about-role h3{font-size:24px;font-weight:800;letter-spacing:-.02em;margin:0 0 14px}
.about-role p{font-size:15px;line-height:1.7;color:var(--muted);margin:0 0 24px}
.brk-panel{margin-bottom:10px}
.about-role .eyebrow{color:var(--gold)}

/* ===== mobile polish ===== */
/* easier-to-drag sliders on touch screens */
input[type=range]{height:32px;cursor:pointer}
input[type=range]::-webkit-slider-thumb{width:24px;height:24px}
@media (pointer:coarse){input[type=range]{height:40px}}
/* bigger tap area for "Find out more" */
.pc-more{display:inline-block;padding:12px 0}
@media (max-width:600px){
 /* hero: figures in one row, buttons side by side */
 .trust{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
 .trust b{font-size:20px}
 .trust div{font-size:12.5px;line-height:1.35}
 .hero .btns{display:grid;grid-template-columns:1fr 1fr;gap:10px}
 .hero .btns .btn{padding-left:10px;padding-right:10px;text-align:center;justify-content:center}
 /* comparison table becomes cards */
 .tscroll{overflow:visible}
 .cmp,.cmp tbody,.cmp tr,.cmp td,.cmp th{display:block;width:100%}
 .cmp thead{display:none}
 .cmp tr{border:1px solid var(--line);border-radius:16px;padding:16px 18px;margin-bottom:12px;background:var(--card)}
 .cmp tbody th{padding:0 0 10px;font-size:17px;border:0}
 .cmp td{display:flex;justify-content:space-between;gap:16px;padding:8px 0;border:0;border-top:1px solid var(--line);font-size:14px;text-align:right}
 .cmp td::before{content:attr(data-label);color:var(--muted);text-align:left;font-weight:600}
 /* footer: logo and contact full width, then columns */
 .fgrid{grid-template-columns:1fr 1fr;gap:30px 20px}
 .fgrid>div:first-child{grid-column:1/-1}
}
@media (max-width:600px){.cmp{min-width:0}.tscroll{border:0;background:none;border-radius:0}.cmp tr,.cmp td,.cmp th{box-sizing:border-box}.cmp tbody tr:hover{background:var(--card)}}

/* ===== How it works: tidy bottom card ===== */
.pr-foot{background:#fff;border-radius:22px;grid-template-columns:1.55fr 1fr;gap:0;overflow:hidden;margin-top:30px}
.pr-foot .need{border:0;border-radius:0;padding:32px 34px}
.pr-foot .need b{color:var(--ink);font-size:17px}
.pr-foot .need ul{color:var(--text);font-size:15px;gap:12px 28px;margin-top:16px}
.pr-foot .pr-cta{border-radius:0;background:var(--goldsoft);padding:32px 34px;justify-content:center}
.pr-foot .pr-cta .pr-urgent{color:var(--muted)}
.pr-foot .pr-cta .btn{text-align:center;justify-content:center}
.process .pr-note{margin:20px 0 0;font-size:12.5px;line-height:1.6;color:#8E9AB0}
/* ===== Why Gulf Bridging: equal cards beside the photo ===== */
.whysec .why{grid-template-columns:.85fr 1.15fr;gap:44px;align-items:stretch}
.whysec .why-photo{aspect-ratio:auto;height:100%;min-height:100%}
.whysec .why-photo img{object-position:center 35%}
.whysec .reasons{gap:16px;margin-bottom:28px}
.whysec .reasons li{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:22px 20px;gap:14px;height:100%;box-sizing:border-box}
.whysec .reasons .ic{width:42px;height:42px;flex:0 0 42px}
.whysec .reasons b{font-size:15.5px}
@media (max-width:1000px){.whysec .why{grid-template-columns:1fr}.whysec .why-photo{aspect-ratio:16/10;height:auto;min-height:0}.pr-foot{grid-template-columns:1fr}}
@media (max-width:600px){.pr-foot .need,.pr-foot .pr-cta{padding:24px 22px}}
.pr-foot .need{display:flex;flex-direction:column;justify-content:center}
.whysec .reasons{grid-auto-rows:1fr}
@media (max-width:560px){.whysec .reasons{grid-auto-rows:auto}}
@media (max-width:600px){.process{margin:0 10px;border-radius:24px}.process>.wrap{padding-left:20px;padding-right:20px}}
/* footer contact details */
.fcontact{margin:22px 0 0;display:grid;gap:16px}
.fcontact dt{font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-bottom:4px}
.fcontact dd{margin:0;font-size:14px;line-height:1.6;color:var(--ink)}
.fcontact address{font-style:normal}
.fcontact a{color:var(--ink);text-decoration:none}
.fcontact a:hover{color:var(--gold)}
.nav .logo{flex-shrink:0}
@media (max-width:1120px) and (min-width:1001px){.menu{gap:15px;font-size:13px}.nav{gap:12px}.nav .cta{padding:11px 14px;font-size:13px}}

/* borrowing eligibility (calculators) */
.flabel{display:block;font-size:13px;font-weight:700;color:var(--ink);margin-bottom:8px}
.calc .seg.two button{font-size:13px}
.elig{font-size:13.5px;line-height:1.5;margin:-6px 0 18px;padding:10px 12px;border-radius:10px;background:#FBEDEA;color:#8a2c1f}
.elig.ok{background:#E8F3EC;color:#1d5b34}
.flag.ok{background:rgba(120,200,150,.14);border-color:rgba(120,200,150,.5);color:#bfe8cd}

/* intermediaries case form */
.casesec{padding-top:0;scroll-margin-top:90px}
.caseform-wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:56px;align-items:start}
.cf-head{position:sticky;top:110px}
.cf-head p{color:var(--muted);font-size:16px;line-height:1.65}
.cf-head .checks{margin:22px 0}
.cf-alt{font-size:14px!important}
.caseform fieldset{display:block;margin:0 0 34px}
.caseform fieldset[hidden]{display:none}
.caseform legend{font-size:19px;margin-bottom:16px}
.caseform .gbf-nav{margin-top:0}
.gbf-hp{position:absolute!important;left:-9999px}
@media (max-width:1000px){.caseform-wrap{grid-template-columns:1fr;gap:30px}.cf-head{position:static}}
@media (max-width:600px){.caseform .gbf-grid{grid-template-columns:1fr}}
/* calculator page hero */
.img-calc{--img:url("images/hero-calculator.webp")}
.hero.photo.phero.img-calc{background-position:center 40%;padding-bottom:110px}
.hero.phero.img-calc h1{max-width:16ch}
.calcsec{padding-top:0;margin-top:-56px;position:relative;z-index:2}
.calcsec .ptabs{background:var(--card);border-radius:16px;padding:8px;box-shadow:0 20px 50px -30px rgba(0,27,63,.45);display:inline-flex}
@media (max-width:900px){.hero.photo.phero.img-calc::before{background:linear-gradient(0deg,rgba(6,20,45,.78),rgba(6,20,45,.55))}.calcsec .ptabs{display:flex}}
@media (max-width:600px){.calcsec .ptabs{display:grid;grid-template-columns:1fr;width:100%}.calcsec .ptabs button{width:100%}}
/* ZoSwitch credit */
.credit a.zs-credit{display:inline-flex;align-items:center;gap:8px;padding:6px 12px 6px 8px;border:1px solid var(--line);border-radius:99px;background:var(--card);transition:border-color .2s,box-shadow .2s,color .2s}
.credit a.zs-credit img{width:18px;height:18px;display:block;transition:transform .3s}
.credit a.zs-credit:hover{border-color:var(--gold);box-shadow:0 6px 18px -10px rgba(0,27,63,.35)}
.credit a.zs-credit:hover img{transform:rotate(-12deg) scale(1.08)}
@media (prefers-reduced-motion:reduce){.credit a.zs-credit:hover img{transform:none}}