/* ============ FONTS (self-hosted) ============ */
@font-face{font-family:"Inter";src:url("/assets/fonts/inter-latin-400-normal.woff2") format("woff2");font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:"Inter";src:url("/assets/fonts/inter-latin-400-italic.woff2") format("woff2");font-weight:400;font-style:italic;font-display:swap}
@font-face{font-family:"Inter";src:url("/assets/fonts/inter-latin-500-normal.woff2") format("woff2");font-weight:500;font-style:normal;font-display:swap}
@font-face{font-family:"Inter";src:url("/assets/fonts/inter-latin-500-italic.woff2") format("woff2");font-weight:500;font-style:italic;font-display:swap}
@font-face{font-family:"Inter";src:url("/assets/fonts/inter-latin-600-normal.woff2") format("woff2");font-weight:600;font-style:normal;font-display:swap}
@font-face{font-family:"Inter";src:url("/assets/fonts/inter-latin-600-italic.woff2") format("woff2");font-weight:600;font-style:italic;font-display:swap}
@font-face{font-family:"Inter";src:url("/assets/fonts/inter-latin-700-normal.woff2") format("woff2");font-weight:700;font-style:normal;font-display:swap}
@font-face{font-family:"Inter";src:url("/assets/fonts/inter-latin-700-italic.woff2") format("woff2");font-weight:700;font-style:italic;font-display:swap}

/* ============ TOKENS ============ */
:root{
  --navy-950:#081426;
  --navy-900:#0C1D38;
  --navy-850:#0F2342;
  --navy-800:#132A4E;
  --navy-700:#1C3A66;
  --gold:#C4A24D;
  --gold-deep:#A8862F;
  --gold-pale:#E9D8A6;
  --paper:#F8F6F1;
  --white:#FFFFFF;
  --ink:#1E2739;
  --muted:#5A6478;
  --line:#E5E1D5;
  --line-gold:rgba(196,162,77,.35);
  --line-navy:rgba(233,216,166,.16);
  --serif:"Inter",-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  --sans:"Inter",-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  --maxw:1180px;
  --radius:10px;
  --shadow:0 18px 45px -18px rgba(12,29,56,.22);
  --ease:cubic-bezier(.22,.8,.3,1);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family:var(--sans);
  color:var(--ink);
  background:var(--white);
  font-size:16.5px;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
img,svg{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
a[data-href]{cursor:pointer} /* preview build: links parked in data-href still read as links */
ul{list-style:none}
button{font:inherit;cursor:pointer;background:none;border:none;color:inherit}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
h1,h2,h3,.serif{font-family:var(--serif);font-weight:700;letter-spacing:-.025em}
h2{font-size:clamp(1.8rem,3.2vw,2.5rem);line-height:1.16;color:var(--navy-900)}
h3{font-weight:600;letter-spacing:-.01em}
.gold-i{font-style:italic;color:var(--gold-deep)}
.on-navy .gold-i{color:var(--gold-pale)}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:2px}

/* Eyebrow */
.eyebrow{
  display:inline-flex;align-items:center;
  font-size:.72rem;font-weight:600;letter-spacing:.22em;text-transform:uppercase;
  color:var(--gold-deep);margin-bottom:1.1rem;
}
.on-navy .eyebrow{color:var(--gold-pale)}

/* Double hairline — the document rule */
.rule-double{border:none;height:5px;border-top:1px solid var(--line-gold);border-bottom:1px solid var(--line-gold);margin:0}

/* Buttons */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.55rem;
  padding:.95rem 1.7rem;border-radius:6px;
  font-weight:600;font-size:.95rem;letter-spacing:.01em;
  transition:transform .25s var(--ease),box-shadow .25s var(--ease),background .25s var(--ease),color .25s var(--ease);
  border:1px solid transparent;text-align:center;white-space:nowrap;
}
.btn-gold{background:var(--gold);color:var(--navy-950);border-color:var(--gold)}
.btn-gold:hover{background:var(--gold-pale);border-color:var(--gold-pale);transform:translateY(-2px);box-shadow:0 12px 28px -10px rgba(196,162,77,.55)}
.btn-outline{border-color:var(--line-gold);color:var(--navy-900)}
.btn-outline:hover{border-color:var(--gold);color:var(--gold-deep);transform:translateY(-2px)}
.on-navy .btn-outline{border-color:rgba(233,216,166,.45);color:var(--gold-pale)}
.on-navy .btn-outline:hover{border-color:var(--gold-pale);background:rgba(233,216,166,.08)}
.btn-navy{background:var(--navy-900);color:#fff}
.btn-navy:hover{background:var(--navy-700);transform:translateY(-2px)}
.btn .arrow{display:inline-flex;width:18px;height:18px;transition:transform .25s var(--ease)}
.btn .arrow svg{width:100%;height:100%;display:block}
.btn:hover .arrow{transform:translateX(3px)}

/* ============ HEADER / NAV ============ */
/* Fixed over the hero: transparent at the top of the page, solid white once scrolled */
.header{
  position:fixed;top:0;left:0;right:0;z-index:80;
  background:rgba(255,255,255,.96);backdrop-filter:blur(10px);
  border-bottom:1px solid var(--line);
  transition:background .35s var(--ease),border-color .35s var(--ease),box-shadow .35s var(--ease);
}
.header.scrolled{box-shadow:0 10px 30px -18px rgba(12,29,56,.35)}
.header.at-top{background:transparent;backdrop-filter:none;border-bottom-color:transparent;box-shadow:none}
.brand-name,.nav-link,.nav-toggle span{transition:color .35s var(--ease),background .35s var(--ease)}
.header.at-top .brand-name{color:#fff}
.header.at-top .brand-name em{color:var(--gold-pale)}
.header.at-top .nav-link{color:#E8EDF6}
.header.at-top .nav-link:hover{color:var(--gold-pale)}
.header.at-top .nav-toggle span{background:#fff}
.header .wrap{display:flex;align-items:center;min-height:76px;gap:1.2rem}
.brand{display:flex;align-items:center;gap:.8rem;position:relative;z-index:80}
.nav-cta-mobile{display:none}
.brand-mark{flex:0 0 auto;position:relative;width:56px;height:45px}
.brand-mark img{position:absolute;inset:0;width:100%;height:100%;object-fit:contain;transition:opacity .35s var(--ease)}
.brand-mark .logo-light{opacity:0}
.header.at-top .brand-mark .logo-dark{opacity:0}
.header.at-top .brand-mark .logo-light{opacity:1}
.brand-name{font-family:var(--serif);font-size:1.45rem;line-height:1.1;color:var(--navy-900);font-weight:700;letter-spacing:-.02em;white-space:nowrap}
.brand-name em{font-style:italic;color:var(--gold-deep)}

.nav{display:flex;align-items:center;margin-left:auto}
.nav > ul{display:flex;align-items:center;gap:.2rem}
.nav > ul > li{position:relative}
.nav-link{
  display:flex;align-items:center;gap:.35rem;
  padding:.7rem .85rem;font-size:.92rem;font-weight:550;color:var(--navy-800);
  border-radius:6px;transition:color .2s;white-space:nowrap;
}
.nav-link:hover{color:var(--gold-deep)}
.nav-link .caret{width:9px;height:9px;border-right:1.6px solid currentColor;border-bottom:1.6px solid currentColor;transform:rotate(45deg) translateY(-2px);transition:transform .25s var(--ease)}
li.open > .nav-link .caret,
li:hover > .nav-link .caret{transform:rotate(225deg) translateY(-1px)}

/* Mega panels */
.mega{
  position:absolute;top:calc(100% + 10px);right:0;transform:translate(var(--shift,0px),8px);
  background:#fff;border:1px solid var(--line);border-top:2px solid var(--gold);
  border-radius:0 0 var(--radius) var(--radius);
  box-shadow:var(--shadow);
  padding:1.5rem 1.7rem;min-width:260px;
  opacity:0;visibility:hidden;pointer-events:none;
  transition:opacity .22s var(--ease),transform .22s var(--ease),visibility .22s;
  z-index:90;
}
.mega::before{content:"";position:absolute;top:-14px;left:0;right:0;height:14px}
li:hover > .mega, li.open > .mega, li:focus-within > .mega{
  opacity:1;visibility:visible;pointer-events:auto;transform:translate(var(--shift,0px),0);
}
.mega-cols{display:flex;gap:2.4rem}
.mega-col{min-width:210px}
.mega-title{font-size:.68rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-deep);padding-bottom:.55rem;margin-bottom:.55rem;border-bottom:1px solid var(--line)}
.mega a.mi{display:block;padding:.42rem .5rem;margin:0 -.5rem;border-radius:6px;font-size:.9rem;color:var(--navy-800);transition:background .18s,color .18s}
.mega a.mi:hover{background:var(--paper);color:var(--gold-deep)}
.mega a.mi span{display:block;font-size:.74rem;color:var(--muted);line-height:1.35;margin-top:.05rem}
.mega-foot{margin-top:1rem;padding-top:.8rem;border-top:1px solid var(--line);font-size:.83rem}
.mega-foot .why-link{margin-top:0;font-size:.88rem;margin-left:.2rem}

.header-cta{display:flex;align-items:center;gap:1rem}
.header-phone{font-size:.9rem;font-weight:600;color:var(--navy-900);white-space:nowrap}
.header-phone small{display:block;font-weight:400;font-size:.68rem;color:var(--muted);letter-spacing:.06em}
.header .btn{padding:.72rem 1.25rem;font-size:.88rem}

/* Mobile nav */
.nav-toggle{display:none;flex-direction:column;gap:5px;padding:.6rem}
.nav-toggle span{width:24px;height:2px;background:var(--navy-900);transition:transform .3s var(--ease),opacity .3s}
.nav-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}
.nav-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* ============ HERO ============ */
.hero{
  position:relative;color:#E8EDF6;overflow:hidden;
  min-height:100vh;
  padding-top:76px; /* clearance for the fixed header */
  display:flex;align-items:center;
}
.hero.on-navy{ /* beats the generic .on-navy background */
  background:
    linear-gradient(to top,rgba(8,20,38,.88) 0%,rgba(8,20,38,0) 42%),
    linear-gradient(100deg,rgba(8,20,38,.96) 0%,rgba(8,20,38,.88) 38%,rgba(9,22,43,.55) 68%,rgba(9,22,43,.62) 100%),
    url("/assets/img/hero.jpg") center/cover no-repeat;
}
@supports (height:100svh){.hero{min-height:100svh}}
.hero .wrap{position:relative;z-index:2;width:100%;padding-top:clamp(3rem,5vw,4.5rem);padding-bottom:clamp(3rem,5vw,4.5rem)}
.hero-grid{display:grid;grid-template-columns:minmax(0,7fr) minmax(0,5fr);gap:3.5rem;align-items:center}
.hero h1{font-size:clamp(2.3rem,4.4vw,3.5rem);line-height:1.1;font-weight:700;color:#fff;letter-spacing:-.03em;text-wrap:balance}
.hero h1 .gold-i{color:var(--gold-pale)}
.hero-sub{margin-top:1.4rem;font-size:1.08rem;line-height:1.7;color:#C6D1E2;max-width:34rem}
.hero-ctas{display:flex;flex-wrap:wrap;gap:.9rem;margin-top:2.2rem}
/* Trust row under the CTAs: awards + Google rating */
.hero-trust{
  display:flex;flex-direction:column;align-items:flex-start;gap:1.15rem;
  margin-top:2.6rem;padding-top:1.7rem;border-top:1px solid var(--line-navy);
}
.trust-item{display:flex;align-items:center;gap:1.1rem;flex-wrap:wrap}
.trust-medals{display:flex;gap:.6rem}
.medallion{display:flex;align-items:center}
.medallion img{width:72px;height:72px;object-fit:contain;filter:drop-shadow(0 8px 14px rgba(0,0,0,.4))}
.trust-awards .trust-copy{flex:1 1 220px;min-width:0}
.trust-copy b{display:block;font-size:.95rem;font-weight:600;color:#fff;line-height:1.4}
.trust-copy span{display:block;font-size:.84rem;color:#AEBBD1;line-height:1.4}
.stars{color:var(--gold);letter-spacing:.12em;font-size:.85rem}
/* Google rating: G mark + big score + stars, sized to read as a second headline stat */
.trust-google{gap:.9rem}
.trust-google .trust-g{width:46px;height:46px;flex:0 0 auto;background:#fff;border-radius:50%;padding:10px;box-sizing:border-box;box-shadow:0 10px 20px -8px rgba(0,0,0,.5)}
.trust-score{font-size:2.5rem;font-weight:700;color:#fff;line-height:1;letter-spacing:-.03em}
.trust-google .stars{color:var(--gold);font-size:1.1rem;letter-spacing:.1em;line-height:1;margin-bottom:.25rem}
.trust-google .trust-copy{flex:1 1 150px;min-width:0}
.trust-google .trust-copy b{font-size:1rem}
/* Enquiry form card */
.hero-form{
  background:#fff;border-radius:var(--radius);color:var(--ink);
  box-shadow:0 30px 70px -22px rgba(8,20,38,.65);
  padding:1.9rem 1.9rem 1.5rem;
}
.on-navy .hero-form h2,.hero-form h2{font-size:1.32rem;color:var(--navy-900);letter-spacing:-.02em}
.hf-sub{font-size:.86rem;color:var(--muted);margin:.35rem 0 1.25rem}
.hf-row{margin-bottom:.95rem}
.hf-row label{display:block;font-size:.78rem;font-weight:600;color:var(--navy-800);margin-bottom:.35rem}
.hf-opt{font-weight:400;color:var(--muted)}
.hf-row textarea{min-height:76px;resize:vertical;line-height:1.5}
.hf-row input,.hf-row select,.hf-row textarea{
  width:100%;padding:.68rem .8rem;border:1px solid #D6D3C9;border-radius:6px;
  font:inherit;font-size:.93rem;color:var(--navy-900);background:#fff;
  transition:border-color .2s,box-shadow .2s;
}
.hf-row input:focus,.hf-row select:focus,.hf-row textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(196,162,77,.18)}
.hf-2col{display:grid;grid-template-columns:1fr 1fr;gap:.95rem}
.hero-form .btn{width:100%;margin-top:.25rem}
.hf-note{font-size:.72rem;color:var(--muted);text-align:center;margin-top:.85rem;line-height:1.5}
.hf-success{text-align:center;padding:2.2rem .5rem}
.hf-success h3{color:var(--navy-900);font-size:1.15rem;margin:.9rem 0 .4rem}
.hf-success p{font-size:.9rem;color:var(--muted)}
/* Skyline */
.skyline{position:absolute;bottom:-2px;left:0;right:0;z-index:1;pointer-events:none}
.skyline svg{width:100%;height:auto;display:block}

/* ============ ENQUIRY MODAL ============ */
.enquiry-modal{
  border:none;padding:0;background:transparent;color:var(--ink);
  width:min(520px,calc(100vw - 2rem));max-height:calc(100vh - 2rem);overflow:visible;
  margin:auto;
}
.enquiry-modal::backdrop{background:rgba(8,20,38,.72);backdrop-filter:blur(4px)}
.enquiry-modal[open]{animation:modal-in .4s var(--ease)}
.enquiry-modal[open]::backdrop{animation:modal-fade .3s var(--ease)}
.enquiry-modal .modal-card{position:relative;max-height:calc(100vh - 2rem);overflow:auto}
.modal-close{
  position:absolute;top:1rem;right:1rem;width:36px;height:36px;border-radius:50%;
  border:1px solid var(--line);background:#fff;color:var(--navy-900);
  display:flex;align-items:center;justify-content:center;
  transition:border-color .25s var(--ease),color .25s var(--ease),background .25s var(--ease);
}
.modal-close svg{width:16px;height:16px}
.modal-close:hover{border-color:var(--gold);color:var(--gold-deep)}
.modal-card h2{padding-right:2.5rem}
@keyframes modal-in{from{opacity:0;transform:translateY(18px) scale(.98)}to{opacity:1;transform:none}}
@keyframes modal-fade{from{opacity:0}to{opacity:1}}

/* ============ FLOATING BOOK TAB (<=920px) ============ */
.float-cta{
  display:none;position:fixed;right:0;top:50%;z-index:70;
  writing-mode:vertical-rl;transform:translateY(-50%) rotate(180deg);
  background:var(--gold);color:var(--navy-950);
  font-size:.9rem;font-weight:600;letter-spacing:.01em;white-space:nowrap;
  padding:1.2rem .85rem;border-radius:0 8px 8px 0; /* appears on the screen-left edge once rotated */
  box-shadow:6px 0 22px rgba(8,20,38,.4);
  transition:background .25s var(--ease),box-shadow .25s var(--ease);
}
.float-cta:hover,.float-cta:active{background:var(--gold-pale);box-shadow:6px 0 28px -6px rgba(196,162,77,.55)}
@media (max-width:920px){
  .float-cta{display:block}
  /* popup form on small screens: placeholders carry the labels */
  .enquiry-modal .hf-row label{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
  .enquiry-modal .hf-row{margin-bottom:.75rem}
  .enquiry-modal .modal-card{padding:1.6rem 1.4rem 1.3rem}
}

/* ============ SHARED SECTIONS ============ */
.section{padding:clamp(4rem,7vw,6.5rem) 0}
.section-head{max-width:46rem;margin-bottom:clamp(2.2rem,4vw,3.4rem)}
.section-head p.lede{margin-top:1rem;color:var(--muted);font-size:1.05rem}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}
.section-head.center .eyebrow{justify-content:center}
.bg-paper{background:var(--paper)}
.on-navy{background:linear-gradient(165deg,var(--navy-950),var(--navy-900));color:#DDE4F0}
.on-navy h2{color:#fff}
.on-navy .section-head p.lede{color:#AEBBD1}

/* Reveal: hidden state only applies once JS has loaded, so content is never gated on a script */
.js .reveal{opacity:0;transform:translateY(22px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.js .reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  .js .reveal{opacity:1;transform:none;transition:none}
  .btn,.card,.svc-card,.why-card,.svc-media img,.svc-media::after{transition:none!important}
  .why-media::after{animation:none!important}
  .enquiry-modal[open],.enquiry-modal[open]::backdrop{animation:none}
  .faq .fq-body{animation:none}
  .rv-track{scroll-behavior:auto}
  .rv-text{transition:none!important}
  .marquee-track{animation:none!important;flex-wrap:wrap;width:auto;justify-content:center}
  .marquee-dup{display:none}
  .marquee{mask-image:none;-webkit-mask-image:none}
  html{scroll-behavior:auto}
}

/* ============ WHY US (4 reasons) ============ */
.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.3rem}
.why-card{
  position:relative;display:flex;flex-direction:column;
  background:#fff;border:1px solid var(--line);border-radius:14px;
  padding:2.2rem 1.7rem 1.8rem;
  transition:transform .45s var(--ease),box-shadow .45s var(--ease),border-color .45s var(--ease),opacity .6s var(--ease);
}
/* staggered entrance, only once JS has marked the grid as in view */
.js .why-card{opacity:0;transform:translateY(26px)}
.js .why-grid.in .why-card{opacity:1;transform:none;transition-delay:calc(var(--i) * 110ms)}
.why-card:hover{transform:translateY(-6px);box-shadow:0 26px 50px -22px rgba(12,29,56,.35);border-color:var(--line-gold);transition-delay:0s}
/* circular image well: placeholder illustration now, photo later */
.why-media{
  position:relative;width:150px;height:150px;margin:0 auto 1.6rem;border-radius:50%;overflow:hidden;
  background:radial-gradient(circle at 30% 25%,#22477A 0%,#132A4E 45%,#0C1D38 100%);
  box-shadow:0 0 0 5px #fff,0 0 0 6px rgba(196,162,77,.55),0 18px 30px -18px rgba(12,29,56,.5);
  transition:transform .5s var(--ease);
}
.why-media::before{ /* soft highlight */
  content:"";position:absolute;inset:0;border-radius:50%;
  background:radial-gradient(circle at 70% 80%,rgba(196,162,77,.28),transparent 55%);
}
.why-media svg,.why-media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;display:block}
.why-media svg{padding:10px}
.why-media::after{ /* gold ring that spins on hover */
  content:"";position:absolute;inset:6px;border-radius:50%;
  border:1px dashed rgba(233,216,166,.55);opacity:0;
  transition:opacity .4s var(--ease);
}
.why-card:hover .why-media{transform:scale(1.04)}
.why-card:hover .why-media::after{opacity:1;animation:why-spin 14s linear infinite}
@keyframes why-spin{to{rotate:360deg}}
.why-card h3{font-size:1.2rem;color:var(--navy-900);margin-bottom:.6rem;line-height:1.3;text-wrap:balance}
@media (min-width:1081px){.why-card h3{min-height:2.6em}} /* keeps the four paragraphs level */
.why-card p{font-size:.9rem;color:var(--muted);line-height:1.65;flex:1}
.why-link{
  display:inline-flex;align-items:center;gap:.4rem;margin-top:1.4rem;
  font-size:.9rem;font-weight:600;color:var(--navy-900);
}
.why-arrow,.svc-arrow{ /* stroke arrow, weight matched to the label text */
  width:18px;height:18px;display:inline-flex;align-items:center;justify-content:center;
  color:var(--gold-deep);transition:transform .3s var(--ease);
}
.why-arrow svg,.svc-arrow svg{width:18px;height:18px;display:block}
.why-link:hover{color:var(--gold-deep)}
.why-link:hover .why-arrow{transform:translateX(5px)}

/* ============ AWARDS ============ */
.awards{position:relative;overflow:hidden}
.awards-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 40%;z-index:0}
.awards-overlay{
  position:absolute;inset:0;z-index:1;
  background:linear-gradient(90deg,rgba(8,20,38,.95) 0%,rgba(8,20,38,.9) 45%,rgba(9,22,43,.78) 100%);
}
.awards .wrap{position:relative;z-index:2}
.awards-grid{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:3.5rem;align-items:start}
.award-list{display:flex;flex-direction:column}
.award-row{display:flex;align-items:center;gap:1.1rem;padding:1rem 0;border-bottom:1px solid var(--line-navy)}
.award-row:first-child{border-top:1px solid var(--line-navy)}
.award-row .aw-badge{width:64px;height:64px;object-fit:contain;flex:0 0 auto;filter:drop-shadow(0 8px 14px rgba(0,0,0,.4))}
.award-row .aw-yr{font-family:var(--serif);font-size:1.45rem;color:var(--gold-pale);min-width:3.6rem;font-weight:700;letter-spacing:-.02em}
.award-row .aw-body b{display:block;font-weight:600;color:#fff;font-size:.98rem}
.award-row .aw-body span{font-size:.85rem;color:#A6B3CA}
/* Google rating card under the award list */
.award-google{
  display:flex;align-items:center;gap:1rem;margin-top:1.5rem;padding:1.05rem 1.25rem;
  background:rgba(255,255,255,.05);border:1px solid var(--line-navy);border-radius:14px;
}
.award-google .ag-g{width:42px;height:42px;padding:9px;box-shadow:0 10px 20px -8px rgba(0,0,0,.5)}
.ag-score{font-size:2.3rem;font-weight:700;color:#fff;line-height:1;letter-spacing:-.03em}
.ag-copy b{display:block;color:#fff;font-size:1rem;font-weight:600;line-height:1.35}
.ag-copy span{display:block;font-size:.85rem;color:#AEBBD1;line-height:1.4}
.ag-copy .stars{color:var(--gold);font-size:1rem;line-height:1;letter-spacing:.1em;margin-bottom:.3rem}

/* ============ EXPERTISE GRID (image-first cards) ============ */
.svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem}
.svc-card{
  position:relative;display:flex;flex-direction:column;
  background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;
  transition:transform .45s var(--ease),box-shadow .45s var(--ease),border-color .45s var(--ease),opacity .6s var(--ease);
}
.svc-card.featured{grid-column:span 2}
/* staggered entrance once the grid scrolls into view (JS-gated: always visible without JS) */
.js .svc-card{opacity:0;transform:translateY(26px)}
.js .svc-grid.in .svc-card{opacity:1;transform:none;transition-delay:calc(var(--i) * 80ms)}
.svc-card:hover{transform:translateY(-6px);box-shadow:0 28px 54px -24px rgba(12,29,56,.38);border-color:var(--line-gold);transition-delay:0s}
/* image well */
.svc-media{position:relative;overflow:hidden;height:clamp(170px,15vw,220px);background:var(--navy-900)}
.svc-media img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .9s var(--ease)}
.svc-card:hover .svc-media img{transform:scale(1.06)}
.svc-media::after{ /* light sheen that sweeps across on hover */
  content:"";position:absolute;inset:0;z-index:1;pointer-events:none;
  background:linear-gradient(115deg,transparent 42%,rgba(255,255,255,.16) 50%,transparent 58%);
  transform:translateX(-130%);transition:transform .9s var(--ease);
}
.svc-card:hover .svc-media::after{transform:translateX(130%)}
.svc-tag{
  position:absolute;left:14px;top:14px;z-index:2;
  background:rgba(8,20,38,.72);color:var(--gold-pale);
  font-size:.68rem;font-weight:600;letter-spacing:.07em;text-transform:uppercase;
  padding:.36rem .72rem;border-radius:999px;border:1px solid rgba(233,216,166,.32);
}
.svc-body{padding:1.45rem 1.5rem 1.5rem;display:flex;flex-direction:column;flex:1;gap:.5rem}
.svc-body h3{font-size:1.15rem;color:var(--navy-900);line-height:1.3;transition:color .3s var(--ease)}
.svc-card:hover .svc-body h3{color:var(--gold-deep)}
.svc-body p{font-size:.9rem;color:var(--muted);line-height:1.62;flex:1}
.svc-cta{margin-top:.7rem;font-size:.88rem;font-weight:600;color:var(--navy-900);display:inline-flex;gap:.4rem;align-items:center}
.svc-card:hover .svc-arrow{transform:translateX(5px)}
.svc-card.featured .svc-body{padding:1.7rem 1.8rem 1.8rem}
.svc-card.featured .svc-body h3{font-size:1.5rem}
.svc-card.featured .svc-body p{font-size:.98rem;max-width:42rem}

/* ============ SPLIT SECTIONS (text / image) ============ */
.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(2.5rem,5vw,4.5rem);align-items:center}
.split-text .lede{margin-top:1.1rem;color:var(--muted);font-size:1.02rem;max-width:36rem}
.on-navy .split-text .lede{color:#AEBBD1}
.split-text .hero-ctas{margin-top:1.9rem}
.split-text .why-link{margin-top:1.6rem}
.split-media{position:relative}
.split-media img{
  width:100%;height:auto;aspect-ratio:4/3;object-fit:cover;display:block;
  border-radius:14px;box-shadow:0 30px 60px -28px rgba(8,20,38,.55);
  transition:transform .8s var(--ease);
}
.split-media::before{ /* offset gold frame */
  content:"";position:absolute;inset:16px -16px -16px 16px;border:1px solid var(--line-gold);border-radius:14px;pointer-events:none;
  transition:inset .6s var(--ease);
}
.split.img-left .split-media::before{inset:16px 16px -16px -16px}
.split-media:hover img{transform:translate(-4px,-4px)}
.split-media:hover::before{inset:20px -20px -20px 20px}
.split.img-left .split-media:hover::before{inset:20px 20px -20px -20px}
.on-navy .split-media img{box-shadow:0 30px 60px -24px rgba(0,0,0,.6)}


/* ============ GOOGLE REVIEWS SLIDER (dark) ============ */
.reviews-slider{
  position:relative;overflow:hidden;background:var(--navy-950);
  border-bottom:1px solid var(--line-navy);
}
.reviews-slider::before{ /* soft gold light top-left, cool depth bottom-right */
  content:"";position:absolute;inset:0;pointer-events:none;
  background:
    radial-gradient(55% 60% at 12% 0%,rgba(196,162,77,.20),transparent 60%),
    radial-gradient(45% 50% at 95% 100%,rgba(28,58,102,.75),transparent 65%);
}
.reviews-slider::after{ /* faint grid, echoing the art panels */
  content:"";position:absolute;inset:0;pointer-events:none;opacity:.5;
  background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);
  background-size:60px 60px;
  -webkit-mask-image:radial-gradient(70% 70% at 50% 40%,#000,transparent);mask-image:radial-gradient(70% 70% at 50% 40%,#000,transparent);
}
.reviews-slider .wrap{position:relative;z-index:1}
.rv-summary{display:flex;align-items:center;justify-content:space-between;gap:1rem;flex-wrap:wrap;margin:-.6rem 0 1.8rem}
.rv-summary .why-link{margin-top:0;color:var(--gold-pale)}
.rv-summary .why-link:hover{color:#fff}
.rv-summary .why-arrow{color:var(--gold-pale)}
.rv-score{display:flex;align-items:center;gap:.7rem}
.rv-g{width:26px;height:26px;flex:0 0 auto;background:#fff;border-radius:50%;padding:5px;box-sizing:border-box}
.rv-score .rv-g{width:44px;height:44px;padding:9px;box-shadow:0 10px 20px -8px rgba(0,0,0,.5)}
.rv-score b{font-size:2.3rem;color:#fff;letter-spacing:-.03em;line-height:1}
.rv-count{font-size:1rem;color:#D5DEEC;margin-left:.2rem}
.rv-stars{color:var(--gold);letter-spacing:.1em;font-size:1.2rem;line-height:1}
.rv-slider{position:relative}
.rv-track{
  display:flex;align-items:flex-start;gap:1.1rem;overflow-x:auto;scroll-snap-type:x mandatory;scroll-behavior:smooth;
  padding:.4rem .2rem 1.2rem;margin:0 -.2rem;
  scrollbar-width:none;-ms-overflow-style:none;
}
.rv-track::-webkit-scrollbar{display:none}
.rv-track:focus-visible{outline:2px solid var(--gold);outline-offset:4px;border-radius:8px}
.rv-card{
  position:relative;flex:0 0 calc((100% - 3.3rem) / 4);min-width:0;scroll-snap-align:start;min-height:280px;
  background:linear-gradient(170deg,rgba(255,255,255,.07),rgba(255,255,255,.025));
  border:1px solid rgba(233,216,166,.16);border-radius:16px;padding:1.45rem 1.4rem 1.35rem;
  display:flex;flex-direction:column;color:#DDE4F0;
  transition:transform .4s var(--ease),box-shadow .4s var(--ease),border-color .4s var(--ease),background .4s var(--ease);
}
.rv-card::before{ /* large quotation mark, gold, barely there */
  content:"\201C";position:absolute;top:.35rem;right:1.1rem;
  font-size:5.2rem;line-height:1;font-weight:700;color:rgba(233,216,166,.10);pointer-events:none;
  transition:color .4s var(--ease);
}
.rv-card:hover{
  transform:translateY(-5px);border-color:rgba(233,216,166,.5);
  background:linear-gradient(170deg,rgba(255,255,255,.10),rgba(255,255,255,.04));
  box-shadow:0 30px 60px -28px rgba(0,0,0,.75),0 0 40px -18px rgba(196,162,77,.45);
}
.rv-card:hover::before{color:rgba(233,216,166,.2)}
.rv-head{display:flex;align-items:center;gap:.7rem;position:relative}
.rv-avatar{width:46px;height:46px;border-radius:50%;object-fit:cover;flex:0 0 auto;background:var(--navy-800);box-shadow:0 0 0 2px rgba(233,216,166,.4)}
.rv-who{flex:1;min-width:0;line-height:1.25}
.rv-who b{display:block;font-size:.93rem;color:#fff;line-height:1.2}
.rv-who span{font-size:.78rem;color:#AEBBD1}
.rv-rating{display:flex;align-items:center;gap:.5rem;margin:1rem 0 .75rem}
.rv-verified{width:16px;height:16px}
.rv-text{
  font-size:.9rem;color:#DDE4F0;line-height:1.62;
  display:-webkit-box;-webkit-line-clamp:5;-webkit-box-orient:vertical;overflow:hidden;
  transition:max-height .6s var(--ease);
}
.rv-card.open .rv-text{display:block;-webkit-line-clamp:unset;overflow:hidden}
.rv-more{
  align-self:flex-start;margin-top:.7rem;padding:0;
  font-size:.82rem;font-weight:600;color:var(--gold-pale);cursor:pointer;
  border-bottom:1px solid rgba(233,216,166,.35);line-height:1.5;
  transition:color .2s,border-color .2s;
}
.rv-more:hover{color:#fff;border-color:#fff}
.rv-nav{
  position:absolute;top:calc(.4rem + 140px);transform:translateY(-50%);z-index:2; /* anchored to the collapsed card height */
  width:44px;height:44px;border-radius:50%;
  background:rgba(12,29,56,.9);color:var(--gold-pale);
  border:1px solid rgba(233,216,166,.4);box-shadow:0 14px 30px -12px rgba(0,0,0,.7);
  display:flex;align-items:center;justify-content:center;
  transition:background .25s var(--ease),color .25s var(--ease),opacity .25s var(--ease),transform .25s var(--ease),border-color .25s var(--ease);
}
.rv-nav svg{width:18px;height:18px}
.rv-prev{left:-22px}
.rv-next{right:-22px}
.rv-nav:hover{background:var(--gold);color:var(--navy-950);border-color:var(--gold);transform:translateY(-50%) scale(1.06)}
.rv-nav[disabled]{opacity:.3;pointer-events:none}

/* ============ SECTION BACKGROUND PHOTO ============ */
.has-bg{position:relative;overflow:hidden}
.bg-photo{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 35%;z-index:0}
.bg-overlay{
  position:absolute;inset:0;z-index:1;
  background:linear-gradient(90deg,rgba(8,20,38,.95) 0%,rgba(8,20,38,.88) 50%,rgba(9,22,43,.8) 100%);
}
.has-bg .wrap{position:relative;z-index:2}

/* ============ PROCESS ============ */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;counter-reset:step}
.step{position:relative;padding:0 1.9rem 0 0}
.step + .step{padding-left:1.9rem;border-left:1px solid var(--line-navy)}
.step .s-num{
  font-family:var(--serif);font-style:italic;font-size:2.1rem;color:var(--gold-pale);
  line-height:1;margin-bottom:1rem;font-weight:400;
}
.step h3{font-size:1.18rem;color:#fff;margin-bottom:.7rem;line-height:1.3}
.step p{font-size:.89rem;color:#A6B3CA;line-height:1.65}

/* ============ PILLARS (white tiles, no heading) ============ */
.pillars{display:grid;grid-template-columns:repeat(4,1fr);gap:1.3rem}
.pillar{
  background:#fff;border:1px solid var(--line);border-radius:14px;padding:1.9rem 1.6rem 1.8rem;
  transition:transform .45s var(--ease),box-shadow .45s var(--ease),border-color .45s var(--ease),opacity .6s var(--ease);
}
.js .pillar{opacity:0;transform:translateY(26px)}
.js .pillars.in .pillar{opacity:1;transform:none;transition-delay:calc(var(--i) * 100ms)}
.pillar:hover{transform:translateY(-6px);box-shadow:0 26px 50px -22px rgba(12,29,56,.35);border-color:var(--line-gold);transition-delay:0s}
.pillar-ic{
  width:54px;height:54px;border-radius:50%;margin-bottom:1.3rem;
  background:radial-gradient(circle at 30% 25%,#22477A 0%,#132A4E 45%,#0C1D38 100%);
  box-shadow:0 0 0 3px #fff,0 0 0 4px rgba(196,162,77,.5);
  display:flex;align-items:center;justify-content:center;color:var(--gold-pale);
  transition:transform .45s var(--ease);
}
.pillar-ic svg{width:26px;height:26px}
.pillar:hover .pillar-ic{transform:scale(1.06)}
.pillar h3{font-size:1.15rem;color:var(--navy-900);margin-bottom:.6rem;line-height:1.3}
.pillar p{font-size:.89rem;color:var(--muted);line-height:1.65}
.pillars-cta{text-align:center;margin-top:2.6rem}

/* ============ ADVISERS (dark: text left / cards right) ============ */
.team-grid{display:grid;grid-template-columns:minmax(0,4fr) minmax(0,8fr);gap:clamp(2.5rem,5vw,4.5rem);align-items:center}
.team-intro .lede{margin-top:1.1rem;color:#AEBBD1;font-size:1rem}
.team-intro .btn{margin-top:1.9rem}
.team-cards{display:grid;grid-template-columns:1fr 1fr;gap:1.3rem}
.team-card{
  background:#fff;border-radius:14px;overflow:hidden;color:var(--ink);
  display:flex;flex-direction:column;
  box-shadow:0 30px 60px -30px rgba(0,0,0,.6);
  transition:transform .45s var(--ease),box-shadow .45s var(--ease);
}
.team-card:hover{transform:translateY(-6px);box-shadow:0 40px 70px -30px rgba(0,0,0,.7)}
.team-photo{
  aspect-ratio:5/4;overflow:hidden;position:relative;
  background:
    radial-gradient(70% 60% at 50% 100%,rgba(196,162,77,.22),transparent 70%),
    linear-gradient(180deg,#F4F2EC 0%,#E3E7EE 100%);
}
.team-photo img{width:100%;height:100%;object-fit:cover;object-position:center bottom;display:block;transition:transform .9s var(--ease);transform-origin:center bottom}
.team-card:hover .team-photo img{transform:scale(1.04)}
.team-body{padding:1.5rem 1.5rem 1.6rem;display:flex;flex-direction:column;flex:1}
.team-body p{font-size:.88rem;color:var(--muted);line-height:1.68;flex:1}
.team-name{font-weight:700;color:var(--navy-900);font-size:1.05rem;margin-top:1.3rem;letter-spacing:-.01em}
.team-role{font-size:.72rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-deep);margin-top:.3rem}
.team-badges{display:flex;flex-wrap:wrap;gap:.45rem;margin-top:.8rem}
.team-badge{
  display:inline-flex;align-items:center;gap:.4rem;
  font-size:.76rem;font-weight:600;color:var(--navy-900);line-height:1.3;
  background:var(--paper);border:1px solid var(--line-gold);border-radius:999px;padding:.34rem .75rem .34rem .6rem;
}
.team-badge svg{width:15px;height:15px;color:var(--gold-deep);flex:0 0 auto}
.team-body .why-link{margin-top:1rem}
.team-cards .team-card.reveal{transition-delay:calc(var(--i) * 120ms)}

/* ============ SPLIT LOGO TILE ============ */
.split-media.logo-tile{
  aspect-ratio:4/3;border-radius:14px;display:flex;align-items:center;justify-content:center;
  background:radial-gradient(circle at 30% 25%,#22477A 0%,#132A4E 45%,#0C1D38 100%);
  box-shadow:0 30px 60px -28px rgba(8,20,38,.55);
}
.split-media.logo-tile img{width:52%;height:auto;aspect-ratio:auto;object-fit:contain;border-radius:0;box-shadow:none;transition:transform .8s var(--ease)}
.split-media.logo-tile:hover img{transform:translate(0,-4px) scale(1.03)}

/* ============ LENDERS (logo marquee) ============ */
.lenders{background:#fff;overflow:hidden}
.marquee-rows{display:flex;flex-direction:column;gap:1rem;margin:2.6rem 0 2.8rem}
.marquee{
  overflow:hidden;
  -webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);
  mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);
}
.marquee-track{display:flex;gap:1rem;width:max-content;animation:marquee 60s linear infinite}
.marquee-dup{display:flex;gap:1rem}
.marquee.m-right .marquee-track{animation-direction:reverse}
.marquee.m-slow .marquee-track{animation-duration:75s}
.marquee:hover .marquee-track{animation-play-state:paused}
@keyframes marquee{to{transform:translateX(calc(-50% - .5rem))}}
.lender-tile{
  flex:0 0 auto;width:190px;height:84px;background:#fff;border:1px solid var(--line);border-radius:12px;
  display:flex;align-items:center;justify-content:center;padding:0 1.4rem;
  transition:border-color .3s var(--ease),box-shadow .3s var(--ease);
}
.lender-tile{--c:0;border-color:color-mix(in srgb,var(--line),var(--gold) calc(var(--c) * 45%))}
.lender-tile img{max-height:48px;max-width:140px;width:auto;height:auto;object-fit:contain;filter:grayscale(calc(1 - var(--c)));opacity:calc(.72 + .28 * var(--c))}
.lender-tile:hover{border-color:var(--line-gold);box-shadow:0 14px 30px -18px rgba(12,29,56,.35)}
.lender-tile:hover img{filter:none;opacity:1}
@media (prefers-reduced-motion:reduce){.lender-tile{--c:1}}
.lenders-cta{text-align:center}

/* ============ FAQ (intro left, card accordion right) ============ */
.faq-grid{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:clamp(2.5rem,5vw,4.5rem);align-items:start}
.faq-intro{position:sticky;top:100px}
.faq-intro h2.eyebrow{font-size:.72rem;line-height:1.4;font-weight:600;letter-spacing:.22em;color:var(--gold-deep)} /* h2 for SEO, eyebrow look */
.faq-title{ /* paragraph for SEO, heading look */
  font-family:var(--serif);font-weight:700;letter-spacing:-.025em;
  font-size:clamp(1.9rem,3.2vw,2.5rem);line-height:1.16;color:var(--navy-900);text-wrap:balance;
}
.faq-sub{margin-top:1rem;color:var(--muted);font-size:1.02rem;max-width:26rem}
.faq-intro .btn{margin-top:1.6rem}
.faq-list{display:flex;flex-direction:column;gap:.9rem}
.faq{
  background:#fff;border:1px solid var(--line);border-radius:14px;
  transition:border-color .3s var(--ease),box-shadow .3s var(--ease),transform .3s var(--ease);
}
.faq:hover{border-color:var(--line-gold);box-shadow:0 18px 40px -26px rgba(12,29,56,.35)}
.faq[open]{border-color:var(--line-gold)}
.faq summary{
  display:flex;align-items:center;justify-content:space-between;gap:1.4rem;
  padding:1.3rem 1.5rem;cursor:pointer;list-style:none;
  font-family:var(--serif);font-size:1.05rem;color:var(--navy-900);font-weight:600;line-height:1.4;letter-spacing:-.01em;
  transition:color .2s;
}
.faq summary::-webkit-details-marker{display:none}
.faq summary h3{font:inherit;letter-spacing:inherit;color:inherit;margin:0} /* h3 for SEO, keeps the summary look */
.faq summary:hover{color:var(--gold-deep)}
.faq .fq-ic{ /* chevron in a ring, the same stroke style as the nav caret and link arrows */
  flex:0 0 auto;width:36px;height:36px;border-radius:50%;border:1px solid var(--line-gold);
  display:flex;align-items:center;justify-content:center;color:var(--gold-deep);
  transition:transform .4s var(--ease),background .3s var(--ease),color .3s var(--ease),border-color .3s var(--ease);
}
.faq .fq-ic svg{width:16px;height:16px}
.faq[open] .fq-ic{transform:rotate(180deg);background:var(--gold);border-color:var(--gold);color:var(--navy-950)}
.faq .fq-body{padding:0 1.5rem 1.4rem;color:var(--muted);font-size:.95rem;line-height:1.72;animation:fq-in .35s var(--ease)}
.faq .fq-body p + p{margin-top:.8rem}
@keyframes fq-in{from{opacity:0;transform:translateY(-4px)}to{opacity:1;transform:none}}

/* ============ FOOTER ============ */
.footer{background:var(--navy-950);color:#93A1BA;font-size:.87rem}
.footer-top{display:grid;grid-template-columns:2.2fr 1fr 1fr 1fr 1fr;gap:2.6rem;padding:4rem 0 3rem}
.footer h4{font-size:.7rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-pale);margin-bottom:1.1rem}
.footer li{margin-bottom:.55rem}
.footer a{color:#93A1BA;transition:color .2s}
.footer a:hover{color:var(--gold-pale)}
.footer .f-logo{display:flex;align-items:center;gap:.8rem}
.footer .f-logo img{width:58px;height:auto;flex:0 0 auto}
.footer .f-brand .brand-name{color:#fff;font-size:1.3rem}
.footer .f-brand p{margin-top:1rem;line-height:1.7;max-width:22rem}
.footer .f-contact{margin-top:1.3rem;display:flex;flex-direction:column;gap:.4rem}
.footer .f-contact a{color:#C9D3E4}
.footer-bottom{border-top:1px solid var(--line-navy);padding:1.5rem 0 2rem}
.footer-bottom .wrap{display:flex;justify-content:space-between;gap:1.5rem;flex-wrap:wrap;align-items:center}
.footer-bottom .legal-links{display:flex;gap:1.6rem}
.footer-bottom a{color:#C9D3E4;text-decoration:underline;text-decoration-color:rgba(233,216,166,.35);text-underline-offset:3px}
.footer-bottom a:hover{color:var(--gold-pale)}
.footer-disc{font-size:.76rem;line-height:1.6;color:#6B7A96;padding-bottom:.5rem;max-width:60rem}

/* ============ RESPONSIVE ============ */
@media (max-width:1060px) and (min-width:921px){
  .brand-mark{width:46px;height:37px}
  .brand-name{font-size:1.12rem}
  .brand{gap:.6rem}
  .nav-link{padding:.7rem .55rem;font-size:.88rem}
  .nav > ul{gap:0}
  .header .btn{padding:.65rem 1rem;font-size:.84rem}
  .header .wrap{gap:.9rem}
}
@media (max-width:1080px){
  .why-grid{grid-template-columns:1fr 1fr}
  .svc-grid{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr;gap:2.5rem 0}
  .step:nth-child(3){border-left:none;padding-left:0}
  .footer-top{grid-template-columns:1fr 1fr;gap:2.2rem}
  .header-phone{display:none}
}
@media (max-width:920px){
  .hero{min-height:0}
  .hero-grid{grid-template-columns:1fr;gap:2.6rem}
  .awards-grid{grid-template-columns:1fr;gap:2.6rem}
  .split{grid-template-columns:1fr;gap:2.4rem}
  .team-grid{grid-template-columns:1fr;gap:2.4rem}
  .faq-grid{grid-template-columns:1fr;gap:2.2rem}
  .faq-intro{position:static}
  .rv-card{flex-basis:calc((100% - 1.1rem) / 2)}
  .pillars{grid-template-columns:1fr 1fr}
  .rev-grid{grid-template-columns:1fr;max-width:560px;margin:0 auto}
  /* mobile nav (no backdrop-filter: it would trap the fixed overlay inside the header) */
  .header{backdrop-filter:none}
  .header-cta{margin-left:auto}
  .hero-sub,.hero-form,.split-media,.split-text .lede,.faq-sub,.section-head,.team-intro .lede{max-width:100%}
  .header.at-top{background:transparent}
  .nav-toggle{display:flex;position:relative;z-index:80}
  .header .wrap{position:relative;z-index:80}
  .nav{
    position:fixed;inset:0;top:0;background:#fff;z-index:75;
    transform:translateX(100%);transition:transform .35s var(--ease);
    overflow-y:auto;padding:6.5rem 1.6rem 3rem;display:block;
  }
  .nav.openm{transform:none}
  .nav > ul{flex-direction:column;align-items:stretch;gap:0}
  .nav > ul > li{border-bottom:1px solid var(--line)}
  .nav-link{width:100%;justify-content:space-between;padding:1.05rem .2rem;font-size:1.05rem}
  .mega{
    position:static;transform:none;opacity:1;visibility:hidden;pointer-events:auto;
    border:none;box-shadow:none;padding:0 .2rem;display:none;min-width:0;
  }
  li.open > .mega{display:block;visibility:visible}
  li:hover > .mega{visibility:hidden}
  li.open:hover > .mega{visibility:visible}
  li:hover > .mega, li.open > .mega, li:focus-within > .mega{transform:none}
  .mega-cols{flex-direction:column;gap:1.2rem;padding-bottom:1.2rem}
  .header .header-cta .btn{display:none}
  .nav-cta-mobile{display:block;border-bottom:none!important}
}
@media (max-width:640px){
  .brand{gap:.6rem}
  .brand-mark{width:44px;height:35px}
  .brand-name{font-size:1.2rem}
  .nav-toggle{padding:.6rem 0 .6rem .6rem}
  .svc-grid{grid-template-columns:1fr}
  .svc-card.featured{grid-column:span 1}
  .svc-media{height:auto;aspect-ratio:16/10}
  .why-grid{grid-template-columns:1fr}
  .why-media{width:130px;height:130px}
  .steps{grid-template-columns:1fr;gap:2.2rem}
  .step + .step{border-left:none;padding-left:0}
  .team-cards{grid-template-columns:1fr}
  .rv-card{flex-basis:88%}
  .rv-slider{padding-bottom:3.4rem}
  .rv-nav{top:auto;bottom:0;transform:none}
  .rv-nav:hover{transform:scale(1.05)}
  .rv-prev{left:calc(50% - 50px)}
  .rv-next{right:calc(50% - 50px)}
  .pillars{grid-template-columns:1fr}
  .lender-tile{width:150px;height:70px}
  .lender-tile img{max-height:38px;max-width:110px}
  .hero-ctas .btn{width:100%}
  .hf-2col{grid-template-columns:1fr}
  .footer-top{grid-template-columns:1fr}
  .medallion img{width:62px;height:62px}
  .trust-medals{gap:.45rem}
  .trust-score{font-size:2.2rem}
  .award-row{gap:.9rem}
  .award-row .aw-yr{display:none} /* the badge already carries the year */
  .award-row .aw-badge{width:58px;height:58px}
}

@media (max-width:400px){
  .brand-name{font-size:1.08rem}
  .brand-mark{width:40px;height:32px}
  .medallion img{width:56px;height:56px}
}