/*
Theme Name: Mortgage Advisory
Theme URI: https://example.com/
Author: Mortgage Advisory
Description: A premium single-page landing theme for an independent mortgage loan advisor / DSA. Home loans, Loan Against Property, balance transfer and property-backed business funding, with a working eligibility calculator and lead capture. All contact details are edited under Appearance > Customize > Mortgage Advisory.
Version: 1.1.0
Requires at least: 6.0
Tested up to: 6.8
Requires PHP: 7.4
License: GNU General Public License v2 or later
License URI: https://www.gnu.org/licenses/gpl-2.0.html
Text Domain: mortgage-advisory
Tags: one-column, custom-colors, custom-logo, editor-style, translation-ready
*/

/* ============================================================
   DESIGN TOKENS
   ============================================================ */

/* ============================================================
   DESIGN TOKENS
   ============================================================ */
:root{
  --ink:#0A1633;
  --ink-soft:#1C2B52;
  --muted:#5B6987;
  --royal:#2D4CDB;
  --royal-dk:#1E37AE;
  --royal-soft:#E7ECFF;
  --teal:#0E9F9B;
  --teal-soft:#E1F6F5;
  --emerald:#0E9F6E;
  --emerald-soft:#E3F7EF;
  --violet:#7A5AF8;
  --violet-soft:#EFEBFF;
  --amber:#FFB020;
  --amber-ink:#7A4A00;
  --amber-soft:#FFF3DC;
  --paper:#FBFCFF;
  --blue-wash:#EDF2FF;
  --lav-wash:#F4F1FF;
  --line:#E2E8F7;
  --line-strong:#CBD6F0;
  --white:#FFFFFF;

  --r-xl:28px; --r-lg:20px; --r-md:14px; --r-sm:10px;
  --sh-sm:0 1px 2px rgba(10,22,51,.05), 0 6px 18px rgba(10,22,51,.05);
  --sh-md:0 2px 4px rgba(10,22,51,.04), 0 16px 40px rgba(10,22,51,.09);
  --sh-lg:0 30px 70px rgba(10,22,51,.14);
  --maxw:1180px;

  --f-display:"Plus Jakarta Sans", "Segoe UI", system-ui, -apple-system, sans-serif;
  --f-body:"Inter", "Segoe UI", system-ui, -apple-system, sans-serif;
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth; -webkit-text-size-adjust:100%}
body{
  margin:0; background:var(--paper); color:var(--ink-soft);
  font-family:var(--f-body); font-size:17px; line-height:1.65;
  -webkit-font-smoothing:antialiased; overflow-x:hidden;
}
img,svg{max-width:100%; display:block}
a{color:var(--royal); text-decoration:none}
h1,h2,h3,h4{font-family:var(--f-display); color:var(--ink); margin:0 0 .5em; line-height:1.15; letter-spacing:-.02em; font-weight:800}
h1{font-size:clamp(2.3rem,5.4vw,4rem); line-height:1.07; letter-spacing:-.035em}
h2{font-size:clamp(1.85rem,3.6vw,2.85rem); letter-spacing:-.03em}
h3{font-size:clamp(1.15rem,1.7vw,1.35rem); font-weight:700}
p{margin:0 0 1rem}
:focus-visible{outline:3px solid var(--royal); outline-offset:3px; border-radius:6px}

.wrap{max-width:var(--maxw); margin:0 auto; padding:0 22px}
@media (max-width:380px){.wrap{padding:0 16px}}
.section{padding:clamp(64px,8vw,116px) 0; position:relative}
.section--wash{background:var(--blue-wash)}
.section--lav{background:var(--lav-wash)}
.section--white{background:var(--white)}
.center{text-align:center}
.lede{font-size:clamp(1.02rem,1.3vw,1.16rem); color:var(--muted); max-width:62ch}
.center .lede{margin-left:auto; margin-right:auto}

.eyebrow{
  display:inline-flex; align-items:center; gap:8px; font-family:var(--f-body);
  font-size:.78rem; font-weight:700; letter-spacing:.1em; text-transform:uppercase;
  color:var(--royal); background:var(--royal-soft); padding:7px 14px; border-radius:999px; margin-bottom:18px;
}
.eyebrow--teal{color:#087470; background:var(--teal-soft)}
.eyebrow--violet{color:#5B3FD6; background:var(--violet-soft)}
.eyebrow--amber{color:var(--amber-ink); background:var(--amber-soft)}
.eyebrow--em{color:#07734D; background:var(--emerald-soft)}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:10px;
  font-family:var(--f-display); font-weight:700; font-size:1rem; line-height:1;
  padding:17px 26px; border-radius:14px; border:1.5px solid transparent; cursor:pointer;
  transition:transform .18s ease, box-shadow .18s ease, background .18s ease, color .18s ease;
  text-align:center;
}
.btn:hover{transform:translateY(-2px)}
.btn:active{transform:translateY(0)}
.btn--primary{background:var(--amber); color:#3D2500; box-shadow:0 8px 22px rgba(255,176,32,.42)}
.btn--primary:hover{background:#FFC04A; box-shadow:0 14px 30px rgba(255,176,32,.5)}
.btn--royal{background:var(--royal); color:#fff; box-shadow:0 8px 22px rgba(45,76,219,.3)}
.btn--royal:hover{background:var(--royal-dk)}
.btn--ghost{background:rgba(255,255,255,.9); color:var(--ink); border-color:var(--line-strong)}
.btn--ghost:hover{border-color:var(--royal); color:var(--royal)}
.btn--ghost-light{background:rgba(255,255,255,.08); color:#fff; border-color:rgba(255,255,255,.35)}
.btn--ghost-light:hover{background:rgba(255,255,255,.16)}
.btn--wide{width:100%}
.btn--sm{padding:12px 16px; font-size:.9rem; border-radius:11px; white-space:nowrap}
@media (max-width:940px){ .btn--sm{min-height:46px; padding:13px 16px} }

.linkcta{
  display:inline-flex; align-items:center; gap:7px; font-family:var(--f-display);
  font-weight:700; font-size:.95rem; color:var(--royal); background:none; border:0; padding:0; cursor:pointer;
}
.linkcta svg{transition:transform .2s ease}
.linkcta:hover svg{transform:translateX(4px)}

/* ---------- reveal ---------- */
.rv{opacity:0; transform:translateY(22px); transition:opacity .7s cubic-bezier(.22,.7,.3,1), transform .7s cubic-bezier(.22,.7,.3,1)}
.rv.in{opacity:1; transform:none}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  .rv{opacity:1; transform:none; transition:none}
  *{animation:none !important}
}

/* ============================================================
   NAV
   ============================================================ */
.nav{position:sticky; top:0; z-index:80; background:rgba(251,252,255,.82); backdrop-filter:blur(14px); border-bottom:1px solid transparent; transition:border-color .25s, box-shadow .25s}
.nav.stuck{border-bottom-color:var(--line); box-shadow:0 6px 24px rgba(10,22,51,.06)}
.nav__in{display:flex; align-items:center; justify-content:space-between; gap:14px; height:78px}
.brand{display:flex; align-items:center; gap:10px; color:var(--ink); font-family:var(--f-display); font-weight:800; font-size:1rem; letter-spacing:-.02em; white-space:nowrap; flex:none}
.brand__mark{width:38px; height:38px; border-radius:11px; background:linear-gradient(140deg,var(--ink),var(--royal) 70%); display:grid; place-items:center; flex:none; box-shadow:0 6px 16px rgba(45,76,219,.28)}
.brand small{display:block; font-family:var(--f-body); font-weight:500; font-size:.7rem; color:var(--muted); letter-spacing:.02em; margin-top:1px}
.nav__links{
  display:flex; align-items:center; gap:5px; padding:5px;
  background:var(--blue-wash); border:1px solid var(--line); border-radius:15px;
}
.nav__links a{
  padding:9px 13px; border-radius:11px; color:var(--ink); font-weight:600; font-size:.9rem;
  letter-spacing:-.01em; white-space:nowrap;
  transition:background .2s ease, color .2s ease, box-shadow .2s ease;
}
.nav__links a:hover{background:var(--royal); color:#fff; box-shadow:0 6px 16px rgba(45,76,219,.26)}
.nav__links a.active{background:#fff; color:var(--royal); box-shadow:var(--sh-sm)}
.nav__links a.active:hover{background:var(--royal); color:#fff}
.nav__act{display:flex; align-items:center; gap:10px}
.nav__tel{
  display:inline-flex; align-items:center; gap:8px; font-weight:700; font-size:.9rem; color:var(--ink); white-space:nowrap;
  padding:10px 13px; border-radius:12px; background:var(--amber-soft); border:1px solid rgba(255,176,32,.4);
  transition:background .2s ease, color .2s ease;
}
.nav__tel:hover{background:var(--amber); color:#3D2500}
.nav__tel:hover svg{stroke:#3D2500}
.nav__tel svg{transition:stroke .2s ease}
.burger{display:none; width:44px; height:44px; border-radius:12px; border:1px solid var(--line-strong); background:#fff; cursor:pointer; place-items:center}
.burger span{display:block; width:19px; height:2px; background:var(--ink); border-radius:2px; position:relative; transition:.25s}
.burger span::before,.burger span::after{content:""; position:absolute; left:0; width:19px; height:2px; background:var(--ink); border-radius:2px; transition:.25s}
.burger span::before{top:-6px} .burger span::after{top:6px}
.burger[aria-expanded="true"] span{background:transparent}
.burger[aria-expanded="true"] span::before{top:0; transform:rotate(45deg)}
.burger[aria-expanded="true"] span::after{top:0; transform:rotate(-45deg)}
.mobmenu{display:none; border-top:1px solid var(--line); background:#fff; padding:14px 22px 22px}
.mobmenu.open{display:block}
.mobmenu a{
  display:block; padding:14px 16px; margin-bottom:8px; color:var(--ink); font-weight:600;
  background:var(--blue-wash); border:1px solid var(--line); border-radius:12px;
  transition:background .2s ease, color .2s ease;
}
.mobmenu a:hover,.mobmenu a:active{background:var(--royal); color:#fff}
.mobmenu a.tel{background:var(--amber-soft); border-color:rgba(255,176,32,.4)}
.mobmenu a.tel:hover{background:var(--amber); color:#3D2500}
.mobmenu .btn{margin-top:8px}
/* Laptops at 125% scaling report ~1090px, so the full menu has to survive
   well below 1180px. Pieces drop out one at a time, smallest value first. */
@media (max-width:1240px){ .nav__tel .telno{display:none} .nav__tel{padding:11px 12px} }
@media (max-width:1080px){ .nav__tel{display:none} }
@media (max-width:1000px){
  .brand small{display:none}
  .nav__links a{padding:9px 11px; font-size:.87rem}
  .nav__links{gap:3px; padding:4px}
}
@media (max-width:940px){
  .nav__links,.nav__act .btn,.nav__tel{display:none}
  .burger{display:grid}
}

/* ============================================================
   HERO
   ============================================================ */
.hero{position:relative; overflow:hidden; padding:clamp(38px,5vw,68px) 0 clamp(58px,7vw,92px)}
.hero::before{
  content:""; position:absolute; inset:-220px -10% auto -10%; height:760px; z-index:0;
  background:
    radial-gradient(46% 52% at 14% 26%, rgba(122,90,248,.20), transparent 62%),
    radial-gradient(44% 50% at 84% 12%, rgba(14,159,155,.20), transparent 62%),
    radial-gradient(60% 60% at 52% 0%, rgba(45,76,219,.16), transparent 66%);
  filter:blur(6px);
}
.hero__grid{position:relative; z-index:1; display:grid; grid-template-columns:1.06fr .94fr; gap:clamp(28px,4vw,58px); align-items:start}
.hero h1{margin-bottom:20px}
.hero h1 .grad{
  background:linear-gradient(96deg,var(--royal) 0%, var(--teal) 52%, var(--emerald) 100%);
  -webkit-background-clip:text; background-clip:text; color:transparent;
}
.hero__sub{font-size:clamp(1.05rem,1.5vw,1.22rem); color:var(--muted); max-width:56ch; margin-bottom:28px}
.hero__cta{display:flex; flex-wrap:wrap; gap:13px; margin-bottom:22px}
.hero__trust{display:flex; flex-wrap:wrap; align-items:center; gap:8px 16px; font-size:.92rem; color:var(--muted)}
.hero__trust span{display:inline-flex; align-items:center; gap:7px}
.hero__trust svg{flex:none}

.stage{position:relative; margin-top:34px; border-radius:var(--r-xl); padding:22px; background:linear-gradient(150deg,#0A1633 0%, #16296B 55%, #1E3A8F 100%); box-shadow:var(--sh-lg); overflow:hidden}
.stage::after{content:""; position:absolute; inset:0; background:radial-gradient(70% 60% at 78% 8%, rgba(14,159,155,.35), transparent 60%), radial-gradient(60% 50% at 10% 92%, rgba(122,90,248,.32), transparent 62%)}
.stage__inner{position:relative; z-index:2}
.stage__label{color:rgba(255,255,255,.72); font-size:.76rem; font-weight:700; letter-spacing:.11em; text-transform:uppercase; margin-bottom:10px}
.stage__title{color:#fff; font-family:var(--f-display); font-weight:800; font-size:1.32rem; letter-spacing:-.02em; margin-bottom:16px}
.stage__art{position:relative; display:grid; place-items:center; padding:6px 0 4px}
.float{
  position:absolute; display:flex; align-items:center; gap:9px; padding:10px 14px; border-radius:13px;
  background:rgba(255,255,255,.13); border:1px solid rgba(255,255,255,.26); backdrop-filter:blur(9px);
  color:#fff; font-size:.83rem; font-weight:600; white-space:nowrap; box-shadow:0 12px 30px rgba(0,0,0,.22);
  animation:bob 7s ease-in-out infinite;
}
.float i{width:8px; height:8px; border-radius:99px; flex:none}
.float--1{top:2%; left:-2%; animation-delay:0s}
.float--2{top:26%; right:-3%; animation-delay:.9s}
.float--3{bottom:20%; left:-4%; animation-delay:1.8s}
.float--4{bottom:0%; right:2%; animation-delay:2.6s}
@keyframes bob{0%,100%{transform:translateY(0)}50%{transform:translateY(-11px)}}
@media (max-width:520px){ .float{font-size:.74rem; padding:8px 11px} .float--1{left:-1%} .float--3{left:-2%} }

/* quick form */
.qform{background:#fff; border:1px solid var(--line); border-radius:var(--r-xl); padding:clamp(20px,2.4vw,30px); box-shadow:var(--sh-md); position:relative}
.qform__badge{position:absolute; top:-13px; left:clamp(20px,2.4vw,30px); background:var(--emerald-soft); color:#07734D; font-size:.74rem; font-weight:700; letter-spacing:.06em; text-transform:uppercase; padding:6px 12px; border-radius:999px; border:1px solid rgba(14,159,110,.25)}
.qform h2{font-size:1.42rem; margin:8px 0 4px}
.qform__note{font-size:.9rem; color:var(--muted); margin-bottom:18px}
.field{margin-bottom:14px}
.field label{display:block; font-size:.85rem; font-weight:600; color:var(--ink); margin-bottom:6px}
.field .opt{font-weight:400; color:var(--muted)}
.inp{
  width:100%; font-family:var(--f-body); font-size:1rem; color:var(--ink); background:var(--paper);
  border:1.5px solid var(--line-strong); border-radius:12px; padding:13px 14px; transition:border-color .18s, box-shadow .18s, background .18s;
}
.inp:hover{border-color:#B7C5E8}
.inp:focus{outline:none; border-color:var(--royal); background:#fff; box-shadow:0 0 0 4px rgba(45,76,219,.14)}
select.inp{appearance:none; background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='9' viewBox='0 0 14 9'%3E%3Cpath d='M1 1l6 6 6-6' stroke='%235B6987' stroke-width='2' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E"); background-repeat:no-repeat; background-position:right 14px center; padding-right:38px}
.inp[aria-invalid="true"]{border-color:#D64545; background:#FFF7F7}
.err{display:none; font-size:.82rem; color:#C0392B; margin-top:5px; font-weight:500}
.err.show{display:block}
.row2{display:grid; grid-template-columns:1fr 1fr; gap:12px}
@media (max-width:560px){.row2{grid-template-columns:1fr}}
.privacy{font-size:.8rem; color:var(--muted); margin:12px 0 0; line-height:1.5}
.hp{position:absolute; left:-9999px; width:1px; height:1px; overflow:hidden}
.sendfail{background:#FFF7F7; border:1px solid #F0C4C4; color:#8E2B2B; border-radius:12px; padding:13px 15px; font-size:.87rem; text-align:left; margin-top:14px; line-height:1.55}
.formok{display:none; text-align:center; padding:12px 4px}
.formok.show{display:block}
.formok__tick{width:56px; height:56px; margin:0 auto 14px; border-radius:99px; background:var(--emerald-soft); display:grid; place-items:center}
.copybox{margin-top:14px; background:var(--blue-wash); border:1px dashed var(--line-strong); border-radius:12px; padding:14px; font-size:.86rem; text-align:left; white-space:pre-wrap; color:var(--ink-soft)}

.talkcard{
  display:flex; flex-direction:column; gap:16px; margin-top:20px; background:linear-gradient(140deg,var(--blue-wash),var(--lav-wash));
  border:1px solid var(--line); border-radius:var(--r-lg); padding:22px 24px;
}
.talkcard h3{font-size:1.05rem; margin-bottom:5px}
.talkcard p{margin:0; font-size:.92rem; color:var(--muted)}
.talkcard__act{display:flex; gap:10px; flex-wrap:wrap}
.talkcard__act .btn{flex:1 1 auto}

@media (max-width:940px){
  .hero__grid{grid-template-columns:1fr}
  .stage{margin-top:26px}
}

/* ============================================================
   TRUST STRIP
   ============================================================ */
.strip{background:var(--white); border-top:1px solid var(--line); border-bottom:1px solid var(--line); padding:clamp(40px,5vw,64px) 0}
.strip__head{display:flex; align-items:baseline; justify-content:space-between; gap:20px; flex-wrap:wrap; margin-bottom:26px}
.strip__head h2{font-size:clamp(1.35rem,2.1vw,1.7rem); margin:0}
.strip__grid{display:grid; grid-template-columns:repeat(6,1fr); gap:12px}
.tcard{background:var(--paper); border:1px solid var(--line); border-radius:var(--r-md); padding:18px 16px; transition:transform .22s ease, box-shadow .22s ease, border-color .22s}
.tcard:hover{transform:translateY(-4px); box-shadow:var(--sh-sm); border-color:var(--line-strong)}
.tcard__ic{width:34px; height:34px; border-radius:10px; display:grid; place-items:center; margin-bottom:12px}
.tcard p{margin:0; font-family:var(--f-display); font-weight:700; font-size:.98rem; color:var(--ink); line-height:1.35; letter-spacing:-.01em; overflow-wrap:anywhere}
.tcard{min-width:0}
@media (max-width:980px){.strip__grid{grid-template-columns:repeat(3,1fr)}}
@media (max-width:560px){.strip__grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:380px){.strip__grid{grid-template-columns:1fr}}

/* ============================================================
   PROBLEM
   ============================================================ */
.qgrid{display:grid; grid-template-columns:repeat(3,1fr); gap:12px; margin-top:34px}
.qbub{
  background:#fff; border:1px solid var(--line); border-radius:16px 16px 16px 5px; padding:15px 17px;
  font-size:.97rem; color:var(--ink-soft); font-weight:500; box-shadow:var(--sh-sm);
}
.qbub b{color:var(--ink); font-weight:700}
@media (max-width:900px){.qgrid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.qgrid{grid-template-columns:1fr}}

.routes{margin-top:clamp(48px,6vw,76px)}
.routes__head{display:grid; grid-template-columns:1.15fr .85fr; align-items:end; gap:24px; margin-bottom:26px}
@media (max-width:860px){.routes__head{grid-template-columns:1fr}}
.routes__grid{display:grid; grid-template-columns:repeat(4,1fr); gap:14px}
.route{
  position:relative; background:#fff; border:1px solid var(--line); border-radius:var(--r-lg); padding:24px 22px 22px;
  overflow:hidden; transition:transform .24s ease, box-shadow .24s ease;
}
.route::before{content:""; position:absolute; top:0; left:0; right:0; height:4px; background:var(--c)}
.route:hover{transform:translateY(-5px); box-shadow:var(--sh-md)}
.route__from{font-size:.8rem; font-weight:700; letter-spacing:.07em; text-transform:uppercase; color:var(--muted); margin-bottom:10px}
.route__arrow{margin:12px 0; color:var(--c)}
.route h3{font-size:1.12rem; margin:0 0 8px; color:var(--c-ink)}
.route p{font-size:.93rem; color:var(--muted); margin:0}
@media (max-width:900px){.routes__grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.routes__grid{grid-template-columns:1fr}}

/* ============================================================
   SERVICES
   ============================================================ */
.svc{display:grid; grid-template-columns:repeat(3,1fr); gap:16px; margin-top:38px}
.svc__card{
  position:relative; display:flex; flex-direction:column; background:#fff; border:1px solid var(--line);
  border-radius:var(--r-lg); padding:28px 26px 24px; transition:transform .24s ease, box-shadow .24s ease, border-color .24s;
}
.svc__card:hover{transform:translateY(-6px); box-shadow:var(--sh-md); border-color:transparent}
.svc__card:first-child{grid-column:span 2; background:linear-gradient(135deg,#fff 0%, var(--blue-wash) 100%)}
.svc__num{font-family:var(--f-display); font-weight:800; font-size:.86rem; letter-spacing:.09em; color:var(--muted)}
.svc__ic{width:46px; height:46px; border-radius:13px; display:grid; place-items:center; margin:18px 0 16px}
.svc__card h3{font-size:1.24rem; margin-bottom:9px}
.svc__card p{color:var(--muted); font-size:.97rem; margin-bottom:18px}
.svc__card .linkcta{margin-top:auto; align-self:flex-start}
@media (max-width:940px){
  .svc{grid-template-columns:1fr 1fr}
  .svc__card:first-child{grid-column:span 2}
}
@media (max-width:600px){
  .svc{grid-template-columns:1fr}
  .svc__card:first-child{grid-column:span 1}
}

/* ============================================================
   COMPARISON
   ============================================================ */
.cmp{display:grid; grid-template-columns:1fr 1fr; gap:18px; margin-top:38px; align-items:start}
.cmp__col{border-radius:var(--r-xl); padding:28px 26px}
.cmp__col--bad{background:#fff; border:1.5px dashed var(--line-strong)}
.cmp__col--good{background:linear-gradient(155deg,#0A1633,#1C3378); color:#fff; box-shadow:var(--sh-lg)}
.cmp__col h3{font-size:1.15rem; margin-bottom:4px}
.cmp__col--good h3{color:#fff}
.cmp__tag{font-size:.85rem; margin-bottom:20px}
.cmp__col--bad .cmp__tag{color:var(--muted)}
.cmp__col--good .cmp__tag{color:rgba(255,255,255,.72)}
.flow{list-style:none; margin:0; padding:0; counter-reset:f}
.flow li{position:relative; padding:0 0 0 40px; margin-bottom:16px; font-size:.98rem; font-weight:500}
.flow li:last-child{margin-bottom:0}
.flow li::before{
  content:""; position:absolute; left:11px; top:24px; bottom:-16px; width:1.5px; background:currentColor; opacity:.22;
}
.flow li:last-child::before{display:none}
.flow li::after{
  counter-increment:f; content:counter(f); position:absolute; left:0; top:0; width:24px; height:24px; border-radius:99px;
  display:grid; place-items:center; font-size:.72rem; font-weight:800; font-family:var(--f-display);
}
.cmp__col--bad .flow li{color:var(--muted)}
.cmp__col--bad .flow li::after{background:#F1F4FB; color:var(--muted); border:1px solid var(--line-strong)}
.cmp__col--good .flow li::after{background:var(--amber); color:#3D2500}
.cmp__foot{margin:22px 0 0; font-size:.86rem; line-height:1.5}
.cmp__col--bad .cmp__foot{color:var(--muted)}
.cmp__col--good .cmp__foot{color:rgba(255,255,255,.75)}
@media (max-width:840px){.cmp{grid-template-columns:1fr}}

/* ============================================================
   JOURNEY TIMELINE
   ============================================================ */
.tl{position:relative; margin-top:44px; padding:6px 0}
.tl__line{position:absolute; left:23px; top:8px; bottom:8px; width:2px; background:var(--line-strong); border-radius:2px; overflow:hidden}
.tl__line i{position:absolute; inset:0 0 auto 0; height:0; background:linear-gradient(180deg,var(--royal),var(--teal),var(--emerald)); transition:height 1.4s cubic-bezier(.2,.7,.3,1)}
.tl__line.fill i{height:100%}
.tl__item{position:relative; padding:0 0 30px 62px}
.tl__item:last-child{padding-bottom:0}
.tl__dot{
  position:absolute; left:0; top:-2px; width:48px; height:48px; border-radius:15px; background:#fff;
  border:1.5px solid var(--line-strong); display:grid; place-items:center; font-family:var(--f-display);
  font-weight:800; font-size:.95rem; color:var(--royal); box-shadow:var(--sh-sm); transition:.3s;
}
.tl__item.in .tl__dot{border-color:var(--royal); background:var(--royal); color:#fff}
.tl__item h3{font-size:1.08rem; margin-bottom:4px}
.tl__item p{font-size:.94rem; color:var(--muted); margin:0; max-width:52ch}
@media (min-width:900px){
  .tl{max-width:900px; margin-inline:auto}
  .tl__line{left:50%; transform:translateX(-50%)}
  .tl__item{width:50%; padding:0 0 40px 0}
  .tl__item:nth-child(odd){padding-right:60px; text-align:right}
  .tl__item:nth-child(even){margin-left:50%; padding-left:60px}
  .tl__item:nth-child(odd) .tl__dot{left:auto; right:-24px}
  .tl__item:nth-child(even) .tl__dot{left:-24px}
  .tl__item:nth-child(odd) p{margin-left:auto}
}

/* ============================================================
   AUDIENCES
   ============================================================ */
.aud{display:grid; grid-template-columns:repeat(3,1fr); gap:16px; margin-top:38px}
.aud__card{background:#fff; border:1px solid var(--line); border-radius:var(--r-lg); padding:26px 24px; transition:transform .24s, box-shadow .24s}
.aud__card:hover{transform:translateY(-5px); box-shadow:var(--sh-md)}
.aud__card:nth-child(4),.aud__card:nth-child(5){grid-column:span 1}
.aud__ic{width:44px; height:44px; border-radius:13px; display:grid; place-items:center; margin-bottom:16px}
.aud__card h3{font-size:1.1rem; margin-bottom:7px}
.aud__card p{font-size:.94rem; color:var(--muted); margin:0}
@media (max-width:900px){.aud{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.aud{grid-template-columns:1fr}}

/* mid-page CTA band */
.band{background:linear-gradient(120deg,var(--royal-soft),var(--teal-soft) 55%,var(--violet-soft)); border-radius:var(--r-xl); padding:clamp(26px,3.4vw,40px); display:flex; align-items:center; justify-content:space-between; gap:22px; flex-wrap:wrap; margin-top:48px}
.band h3{font-size:clamp(1.2rem,2vw,1.55rem); margin-bottom:5px}
.band p{margin:0; color:var(--ink-soft); font-size:.97rem}
.band > div:first-child{flex:1 1 340px; min-width:0}
.band__act{display:flex; gap:12px; flex-wrap:wrap; flex:0 1 auto; max-width:100%}
@media (max-width:640px){.band__act{width:100%} .band__act .btn{flex:1 1 150px}}

/* ============================================================
   ELIGIBILITY ENGINE
   ============================================================ */
.elig{background:linear-gradient(165deg,#08122C 0%, #12235C 48%, #1A2F7A 100%); color:#fff; position:relative; overflow:hidden}
.elig::before{content:""; position:absolute; inset:0; background:radial-gradient(46% 44% at 88% 6%, rgba(14,159,155,.30), transparent 60%), radial-gradient(46% 44% at 4% 96%, rgba(122,90,248,.30), transparent 62%)}
.elig .wrap{position:relative; z-index:1}
.elig h2{color:#fff}
.elig .lede{color:rgba(255,255,255,.76)}
.elig .eyebrow{background:rgba(255,255,255,.12); color:#fff}
.eg{display:grid; grid-template-columns:1.08fr .92fr; gap:20px; margin-top:40px; align-items:start}
.eg__panel{background:rgba(255,255,255,.07); border:1px solid rgba(255,255,255,.16); border-radius:var(--r-xl); padding:clamp(22px,2.6vw,30px)}
.eg__panel h3{color:#fff; font-size:1.08rem; margin-bottom:18px}
.eg .field label{color:rgba(255,255,255,.9)}
.eg .inp{background:rgba(255,255,255,.08); border-color:rgba(255,255,255,.22); color:#fff}
.eg .inp::placeholder{color:rgba(255,255,255,.42)}
.eg .inp:focus{background:rgba(255,255,255,.14); border-color:#fff; box-shadow:0 0 0 4px rgba(255,255,255,.14)}
.eg select.inp option{color:var(--ink); background:#fff}
.eg select.inp{background-repeat:no-repeat; background-position:right 14px center; background-color:#17275F; background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='9' viewBox='0 0 14 9'%3E%3Cpath d='M1 1l6 6 6-6' stroke='%23ffffff' stroke-width='2' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E")}
.eg__assume{margin-top:6px; padding-top:18px; border-top:1px solid rgba(255,255,255,.14)}
.eg__assume .lbl{display:flex; justify-content:space-between; align-items:baseline; font-size:.85rem; font-weight:600; color:rgba(255,255,255,.9); margin-bottom:8px}
.eg__assume .val{font-family:var(--f-display); font-weight:800; color:var(--amber)}
input[type=range]{-webkit-appearance:none; appearance:none; width:100%; height:5px; border-radius:99px; background:rgba(255,255,255,.22); outline:none; margin:0 0 16px}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none; width:20px; height:20px; border-radius:99px; background:var(--amber); cursor:pointer; border:3px solid #0B1738; box-shadow:0 3px 10px rgba(0,0,0,.4)}
input[type=range]::-moz-range-thumb{width:20px; height:20px; border-radius:99px; background:var(--amber); cursor:pointer; border:3px solid #0B1738}

.eg__result{background:#fff; color:var(--ink-soft); border-radius:var(--r-xl); padding:clamp(22px,2.6vw,30px); box-shadow:var(--sh-lg)}
.eg__hint{font-size:.78rem; font-weight:700; letter-spacing:.09em; text-transform:uppercase; color:var(--muted)}
.eg__big{font-family:var(--f-display); font-weight:800; font-size:clamp(2rem,4vw,2.9rem); letter-spacing:-.035em; color:var(--ink); line-height:1.05; margin:6px 0 2px}
.eg__sub{font-size:.92rem; color:var(--muted); margin-bottom:18px}
.eg__bind{display:flex; gap:11px; align-items:flex-start; border-radius:14px; padding:14px 16px; font-size:.9rem; line-height:1.5; margin-bottom:18px}
.eg__bind b{display:block; font-family:var(--f-display); font-size:.95rem; margin-bottom:2px; color:var(--ink)}
.eg__bind--inc{background:var(--amber-soft); border:1px solid rgba(255,176,32,.4)}
.eg__bind--ltv{background:var(--teal-soft); border:1px solid rgba(14,159,155,.3)}
.eg__bind--ok{background:var(--emerald-soft); border:1px solid rgba(14,159,110,.3)}
.meter{margin-bottom:14px}
.meter__top{display:flex; justify-content:space-between; font-size:.85rem; font-weight:600; margin-bottom:6px}
.meter__top span:last-child{font-family:var(--f-display); font-weight:800}
.meter__bar{height:9px; border-radius:99px; background:#EDF1FA; overflow:hidden}
.meter__bar i{display:block; height:100%; border-radius:99px; transition:width .5s cubic-bezier(.2,.7,.3,1)}
.meter__note{font-size:.79rem; color:var(--muted); margin-top:5px}
.eg__rows{border-top:1px solid var(--line); margin-top:16px; padding-top:14px}
.eg__row{display:flex; justify-content:space-between; gap:14px; font-size:.92rem; padding:7px 0}
.eg__row span:last-child{font-family:var(--f-display); font-weight:700; color:var(--ink)}
.eg__disc{font-size:.79rem; color:var(--muted); line-height:1.55; background:var(--blue-wash); border-radius:12px; padding:13px 15px; margin:18px 0 16px}
@media (max-width:920px){.eg{grid-template-columns:1fr}}

/* ============================================================
   ABOUT
   ============================================================ */
.about{max-width:820px; margin-inline:auto; text-align:center}
.about .lede{max-width:none; margin-left:auto; margin-right:auto}
.about .chips{justify-content:center}
.about .about__act{justify-content:center}
/* Centred paragraphs read poorly on a narrow screen — phones get left alignment. */
@media (max-width:640px){
  .about{text-align:left}
  .about .lede{margin-left:0}
  .about .chips,.about .about__act{justify-content:flex-start}
  .about .about__act .btn{flex:1 1 100%}
}
.chips{display:flex; flex-wrap:wrap; gap:9px; margin:22px 0 26px}
.chip{background:#fff; border:1px solid var(--line-strong); border-radius:999px; padding:8px 15px; font-size:.88rem; font-weight:600; color:var(--ink-soft)}
.note{border-left:3px solid var(--amber); background:var(--amber-soft); border-radius:0 12px 12px 0; padding:14px 18px; font-size:.88rem; color:var(--amber-ink)}

/* ============================================================
   FAQ
   ============================================================ */
.faq{max-width:860px; margin:38px auto 0}
.faq__item{background:#fff; border:1px solid var(--line); border-radius:var(--r-md); margin-bottom:10px; overflow:hidden; transition:border-color .2s, box-shadow .2s}
.faq__item.open{border-color:var(--royal); box-shadow:var(--sh-sm)}
.faq__q{
  width:100%; display:flex; align-items:center; justify-content:space-between; gap:16px; text-align:left;
  background:none; border:0; padding:19px 22px; cursor:pointer; font-family:var(--f-display);
  font-weight:700; font-size:1.02rem; color:var(--ink); line-height:1.4;
}
.faq__ic{flex:none; width:26px; height:26px; border-radius:99px; background:var(--blue-wash); display:grid; place-items:center; transition:.25s}
.faq__item.open .faq__ic{background:var(--royal); transform:rotate(45deg)}
.faq__ic svg{stroke:var(--royal); transition:.25s}
.faq__item.open .faq__ic svg{stroke:#fff}
.faq__a{max-height:0; overflow:hidden; transition:max-height .4s cubic-bezier(.2,.7,.3,1)}
.faq__a > div{padding:0 22px 20px; font-size:.97rem; color:var(--muted); line-height:1.65}
.faq__a p:last-child{margin-bottom:0}

/* ============================================================
   FINAL CTA
   ============================================================ */
.final{background:linear-gradient(150deg,#08122C 0%, #1B2F73 55%, #123F6E 100%); color:#fff; position:relative; overflow:hidden; text-align:center}
.final::before{content:""; position:absolute; inset:0; background:radial-gradient(40% 46% at 12% 8%, rgba(255,176,32,.22), transparent 60%), radial-gradient(44% 48% at 88% 92%, rgba(14,159,155,.30), transparent 62%)}
.final .wrap{position:relative; z-index:1; max-width:800px}
.final h2{color:#fff; font-size:clamp(2rem,4.2vw,3.1rem)}
.final p{color:rgba(255,255,255,.8); font-size:1.08rem}
.final__act{display:flex; gap:13px; justify-content:center; flex-wrap:wrap; margin:30px 0 18px}
.final__note{font-size:.9rem; color:rgba(255,255,255,.66); margin:0}

/* ============================================================
   FOOTER
   ============================================================ */
.foot{background:#060D22; color:rgba(255,255,255,.68); padding:64px 0 0; font-size:.94rem}
.foot a{color:rgba(255,255,255,.68)}
.foot a:hover{color:#fff}
.foot__grid{display:grid; grid-template-columns:1.5fr 1fr 1fr 1.2fr; gap:34px; padding-bottom:44px}
.foot h4{color:#fff; font-family:var(--f-display); font-size:.82rem; letter-spacing:.11em; text-transform:uppercase; margin-bottom:16px}
.foot ul{list-style:none; margin:0; padding:0}
.foot li{margin-bottom:10px}
.foot .brand{color:#fff; margin-bottom:14px}
.foot .brand small{color:rgba(255,255,255,.55)}
.foot__tag{max-width:32ch; margin:0; color:rgba(255,255,255,.6)}
.foot__disc{border-top:1px solid rgba(255,255,255,.12); padding:24px 0; font-size:.85rem; line-height:1.6; color:rgba(255,255,255,.6)}
.foot__disc b{color:#fff}
.foot__bar{border-top:1px solid rgba(255,255,255,.12); padding:20px 0 90px; display:flex; justify-content:space-between; gap:16px; flex-wrap:wrap; font-size:.85rem}
.foot__bar nav{display:flex; gap:20px; flex-wrap:wrap}
@media (max-width:860px){.foot__grid{grid-template-columns:1fr 1fr}}
@media (max-width:540px){.foot__grid{grid-template-columns:1fr; gap:26px}}

/* ============================================================
   FLOATING / STICKY CTA
   ============================================================ */
.wa{
  position:fixed; right:22px; bottom:22px; z-index:70; display:inline-flex; align-items:center; gap:10px;
  background:#25D366; color:#04331A; font-family:var(--f-display); font-weight:700; font-size:.95rem;
  padding:14px 20px; border-radius:99px; border:0; cursor:pointer; box-shadow:0 12px 34px rgba(37,211,102,.45);
  transition:transform .2s, box-shadow .2s;
}
.wa:hover{transform:translateY(-3px); box-shadow:0 18px 40px rgba(37,211,102,.55)}
.stickybar{
  position:fixed; left:0; right:0; bottom:0; z-index:70; display:none; gap:10px; padding:10px 14px calc(10px + env(safe-area-inset-bottom));
  background:rgba(255,255,255,.94); backdrop-filter:blur(12px); border-top:1px solid var(--line); box-shadow:0 -6px 24px rgba(10,22,51,.09);
}
.stickybar .btn{flex:1; padding:14px 12px; font-size:.93rem}
.stickybar .btn--wa{background:#25D366; color:#04331A}
@media (max-width:860px){ .wa{display:none} .stickybar{display:flex} }

section[id], aside[id]{scroll-margin-top:92px}
  @media (max-width:860px){ body{padding-bottom:0} }