/* ═══════════════════════════════════════════════════════════
   Castle Financial & Mortgage Services
   styles.css
═══════════════════════════════════════════════════════════ */

/* ── Reset & base ────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
img  { max-width: 100%; display: block; }
a    { color: inherit; text-decoration: none; }
ul   { list-style: none; }
button { cursor: pointer; border: none; background: none; font: inherit; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
}

/* ── Design tokens ───────────────────────────────────────── */
:root {
  --bg-base:        #F8F8F6;
  --bg-warm:        #F2F0EC;
  --bg-surface:     #FFFFFF;
  --bg-dark:        #0F1F2E;

  --primary:        #0F1F2E;
  --primary-light:  #1A3347;

  --accent:         #BE1729;
  --accent-light:   #D4203A;
  --accent-subtle:  rgba(190,23,41,0.08);

  --text-primary:   #0F1F2E;
  --text-body:      #3A3A3A;
  --text-secondary: #6B6B6B;
  --text-inverse:   #FFFFFF;

  --border-subtle:  rgba(0,0,0,0.07);
  --border-default: rgba(0,0,0,0.12);

  --space-sm: 1rem;
  --space-md: 2rem;
  --space-lg: 4rem;
  --space-xl: 6.5rem;

  --font-display: 'Playfair Display', Georgia, serif;
  --font-body:    'DM Sans', system-ui, sans-serif;
  --ease-out:     cubic-bezier(0.16, 1, 0.3, 1);
}

/* ── Layout ──────────────────────────────────────────────── */
body {
  font-family: var(--font-body);
  color: var(--text-body);
  background: var(--bg-base);
  line-height: 1.6;
  overflow-x: hidden;
}
body.menu-open { overflow: hidden; }

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 2rem;
}

:focus-visible { outline: 3px solid var(--accent); outline-offset: 3px; }

/* ── Scroll reveal ───────────────────────────────────────── */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(18px); }
  to   { opacity: 1; transform: translateY(0); }
}
.reveal { opacity: 0; transform: translateY(18px); }
.reveal.visible { animation: fadeUp 0.55s var(--ease-out) forwards; }


/* ═══════════════════════════════════════════════════════════
   TOP BAR
═══════════════════════════════════════════════════════════ */
.top-bar {
  background: var(--bg-dark);
  height: 44px;
  display: flex;
  align-items: center;
}
.top-bar .container { display: flex; justify-content: space-between; align-items: center; }
.top-bar-left,
.top-bar-right { display: flex; align-items: center; gap: 0.4rem; font-size: 0.8rem; color: rgba(255,255,255,0.65); }
.top-bar-right { gap: 1.25rem; }
.top-bar a { color: rgba(255,255,255,0.7); transition: color 200ms; display: flex; align-items: center; gap: 0.3rem; min-height: 44px; }
.top-bar a:hover { color: #fff; }
.tb-icon { width: 12px; height: 12px; color: var(--accent); flex-shrink: 0; }
.tb-div  { width: 1px; height: 14px; background: rgba(255,255,255,0.14); }


/* ═══════════════════════════════════════════════════════════
   NAVBAR
═══════════════════════════════════════════════════════════ */
.navbar {
  position: sticky; top: 0; z-index: 100;
  background: rgba(248,248,246,0.96);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--border-subtle);
  transition: box-shadow 300ms;
}
.navbar.scrolled { box-shadow: 0 4px 28px rgba(15,31,46,0.09); }
.navbar .container { display: flex; align-items: center; justify-content: space-between; height: 72px; gap: 1rem; }

.nav-logo { flex-shrink: 0; }
.nav-logo img { height: 44px; width: auto; }

.nav-links { display: flex; align-items: center; }
.nav-links a,
.nav-dd-btn {
  font-size: 0.9rem; font-weight: 500;
  color: var(--text-body);
  padding: 0.5rem 0.875rem; border-radius: 6px;
  transition: color 180ms, background 180ms;
  display: flex; align-items: center; gap: 0.2rem;
  min-height: 44px; white-space: nowrap;
}
.nav-links a:hover,
.nav-dd-btn:hover { color: var(--primary); background: var(--bg-warm); }

.nav-dd { position: relative; }
.nav-dd-btn svg { width: 13px; height: 13px; transition: transform 200ms; }
.nav-dd:hover .nav-dd-btn svg { transform: rotate(180deg); }
.nav-dd-menu {
  position: absolute; top: calc(100% + 8px); left: 50%;
  transform: translateX(-50%) translateY(-6px);
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  border-radius: 12px;
  box-shadow: 0 16px 48px rgba(15,31,46,0.12);
  padding: 0.5rem; min-width: 230px;
  opacity: 0; visibility: hidden; pointer-events: none;
  transition: opacity 0.18s, transform 0.18s, visibility 0.18s;
}
.nav-dd:hover .nav-dd-menu {
  opacity: 1; visibility: visible;
  transform: translateX(-50%) translateY(0);
  pointer-events: auto;
}
.nav-dd-menu a {
  display: flex; align-items: center;
  padding: 0.6rem 1rem; font-size: 0.875rem;
  border-radius: 6px; min-height: 44px;
  transition: background 180ms, color 180ms;
}
.nav-dd-menu a:hover { background: var(--bg-warm); color: var(--primary); }

.nav-cta {
  display: inline-flex; align-items: center; gap: 0.4rem;
  background: var(--primary); color: #fff !important;
  font-weight: 600 !important; font-size: 0.875rem !important;
  padding: 0.625rem 1.25rem !important; border-radius: 6px !important;
  transition: background 200ms, transform 0.15s !important;
  min-height: 44px; white-space: nowrap; flex-shrink: 0;
}
.nav-cta:hover { background: var(--primary-light) !important; transform: translateY(-1px) !important; }

.hamburger {
  display: none; flex-direction: column; gap: 5px;
  padding: 8px; min-width: 44px; min-height: 44px;
  align-items: center; justify-content: center;
  border-radius: 6px; transition: background 200ms;
}
.hamburger:hover { background: var(--bg-warm); }
.hamburger span { display: block; width: 22px; height: 2px; background: var(--primary); border-radius: 2px; transition: transform 0.3s, opacity 0.3s; }
.hamburger.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-menu {
  display: none; position: fixed; inset: 0; z-index: 99;
  background: var(--bg-surface);
  flex-direction: column; padding: 90px 1.5rem 2rem; overflow-y: auto;
}
.mobile-menu.open { display: flex; }
.mobile-menu a { font-size: 1rem; font-weight: 500; color: var(--text-body); padding: 0.9rem 0; border-bottom: 1px solid var(--border-subtle); min-height: 44px; display: flex; align-items: center; }
.mobile-menu a:hover { color: var(--accent); }
.mob-label { font-size: 0.7rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--text-secondary); padding: 1.25rem 0 0.4rem; }
.mob-sub a { font-size: 0.9rem; padding: 0.65rem 0 0.65rem 1rem; color: var(--text-secondary); }
.mob-ctas { margin-top: 1.5rem; display: flex; flex-direction: column; gap: 0.75rem; }
.mob-cta-book { display: flex; align-items: center; justify-content: center; background: var(--accent); color: #fff; font-weight: 700; font-size: 1rem; padding: 1rem; border-radius: 6px; min-height: 54px; }
.mob-cta-book:hover { background: var(--accent-light); }
.mob-cta-call { display: flex; align-items: center; justify-content: center; gap: 0.4rem; border: 2px solid var(--border-default); border-radius: 6px; font-weight: 600; color: var(--primary); padding: 1rem; min-height: 54px; }
.mob-cta-call:hover { border-color: var(--primary); }


/* ═══════════════════════════════════════════════════════════
   SHARED UTILITIES
═══════════════════════════════════════════════════════════ */
.section-label {
  display: inline-flex; align-items: center; gap: 0.6rem;
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--accent);
  margin-bottom: 1.1rem;
}
.section-label::before {
  content: ''; width: 1.5rem; height: 2px;
  background: var(--accent); display: inline-block; flex-shrink: 0;
}

.btn-red {
  display: inline-flex; align-items: center; gap: 0.5rem;
  background: var(--accent); color: #fff;
  font-weight: 700; font-size: 1rem;
  padding: 0.9rem 1.75rem; border-radius: 6px; min-height: 54px;
  transition: background 200ms, transform 0.15s, box-shadow 0.15s;
}
.btn-red:hover { background: var(--accent-light); transform: translateY(-2px); box-shadow: 0 8px 28px rgba(190,23,41,0.28); }

.btn-ghost-dark {
  display: inline-flex; align-items: center; gap: 0.5rem;
  background: transparent; color: var(--primary);
  font-weight: 600; font-size: 1rem;
  padding: 0.875rem 1.75rem; border: 2px solid var(--border-default);
  border-radius: 6px; min-height: 54px;
  transition: border-color 200ms, background 200ms;
}
.btn-ghost-dark:hover { border-color: var(--primary); background: rgba(15,31,46,0.04); }

.btn-ghost-light {
  display: inline-flex; align-items: center; gap: 0.5rem;
  background: transparent; color: #fff;
  font-weight: 600; font-size: 1rem;
  padding: 0.875rem 1.75rem; border: 2px solid rgba(255,255,255,0.28);
  border-radius: 6px; min-height: 54px;
  transition: border-color 200ms, background 200ms;
}
.btn-ghost-light:hover { border-color: rgba(255,255,255,0.65); background: rgba(255,255,255,0.07); }

.arrow-link {
  font-weight: 600; color: var(--accent);
  display: inline-flex; align-items: center; gap: 0.4rem;
  border-bottom: 1.5px solid rgba(190,23,41,0.25);
  transition: border-color 200ms, gap 200ms;
  padding-bottom: 0.1rem;
}
.arrow-link:hover { border-color: var(--accent); gap: 0.65rem; }
.arrow-link svg { width: 14px; height: 14px; }


/* ═══════════════════════════════════════════════════════════
   HERO
═══════════════════════════════════════════════════════════ */
.hero {
  background: var(--bg-base);
  padding: clamp(4.5rem,9vw,7.5rem) 0 0;
  overflow: hidden;
  position: relative;
}
.hero::before {
  content: '';
  position: absolute; left: 0; top: 0; bottom: 0;
  width: 4px; background: var(--accent);
}
.hero .container { display: grid; grid-template-columns: 56fr 44fr; gap: 4.5rem; align-items: center; padding-bottom: clamp(4rem,8vw,6.5rem); }

/* ── Hero stats bar — XL desktop only (monitors ≥ 1440px) ── */
.hero-stats-bar {
  display: none;
  background: var(--primary);
  border-top: 1px solid rgba(255,255,255,0.05);
}
.hero-stats-grid {
  display: grid; grid-template-columns: repeat(4, 1fr);
}
.hero-stat-cell {
  padding: 2.5rem 2.25rem 2.25rem;
  border-right: 1px solid rgba(255,255,255,0.08);
  position: relative; overflow: hidden;
}
.hero-stat-cell:last-child { border-right: none; }
.hero-stat-cell::after {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0;
  height: 2px; background: var(--accent);
  transform: scaleX(0); transition: transform 350ms var(--ease-out);
  transform-origin: left;
}
.hero-stat-cell:hover::after { transform: scaleX(1); }
.hero-stat-num {
  font-family: var(--font-display);
  font-size: clamp(2.25rem, 3.5vw, 3.5rem);
  font-weight: 700; color: #fff; line-height: 1; margin-bottom: 0.75rem;
}
.hero-stat-num span { color: var(--accent); }
.hero-stat-num--sm { font-size: clamp(1.5rem, 2.5vw, 2.25rem); line-height: 1.2; }
.hero-stat-title { font-size: 0.875rem; font-weight: 600; color: rgba(255,255,255,0.88); margin-bottom: 0.2rem; }
.hero-stat-sub   { font-size: 0.775rem; color: rgba(255,255,255,0.38); line-height: 1.5; }

.hero-eyebrow { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 1.75rem; }
.hero-eyebrow-rule { width: 2.5rem; height: 2px; background: var(--accent); flex-shrink: 0; }
.hero-eyebrow-text { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--accent); }

.hero h1 {
  font-family: var(--font-display);
  font-size: clamp(2.75rem, 6.5vw, 5.25rem);
  font-weight: 700; color: var(--text-primary);
  line-height: 1.03; margin-bottom: 1.5rem;
  animation: fadeUp 0.6s var(--ease-out) 0.08s both;
}
.hero h1 em { font-style: italic; color: var(--accent); }

.hero-sub {
  font-size: clamp(1rem, 2vw, 1.175rem);
  color: var(--text-body); line-height: 1.8;
  margin-bottom: 2.25rem; max-width: 500px;
  animation: fadeUp 0.6s var(--ease-out) 0.2s both;
}

.hero-ctas { display: flex; flex-wrap: wrap; gap: 0.875rem; margin-bottom: 2.25rem; animation: fadeUp 0.6s var(--ease-out) 0.3s both; }

.hero-proof { display: flex; gap: 0; animation: fadeUp 0.6s var(--ease-out) 0.4s both; flex-wrap: wrap; }
.hero-proof-item { padding: 0 1.75rem 0 0; }
.hero-proof-item:first-child { padding-left: 0; }
.hero-proof-item + .hero-proof-item { border-left: 1px solid var(--border-default); padding-left: 1.75rem; }
.proof-num   { font-family: var(--font-display); font-size: 1.25rem; font-weight: 700; color: var(--primary); line-height: 1; }
.proof-label { font-size: 0.775rem; color: var(--text-secondary); margin-top: 0.2rem; }

.hero-visual { position: relative; animation: fadeUp 0.6s var(--ease-out) 0.18s both; }

/* ── Hero canvas — CSS-only credentials panel ── */
.hero-canvas {
  background: var(--primary);
  border-radius: 16px; overflow: hidden;
  box-shadow: 0 28px 64px rgba(15,31,46,0.18);
  aspect-ratio: 16 / 9;
  position: relative;
  display: flex; align-items: stretch;
}
.hero-canvas::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse 70% 60% at 110% 0%, rgba(190,23,41,0.18) 0%, transparent 65%);
  pointer-events: none;
}
.hc-inner {
  padding: 2.5rem 2.75rem;
  display: flex; flex-direction: column; justify-content: center;
  position: relative; z-index: 1; width: 100%;
}
.hc-eyebrow {
  font-size: 0.68rem; font-weight: 700; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--accent); margin-bottom: 1.75rem;
}
.hc-stat-row { display: flex; gap: 2rem; margin-bottom: 2rem; }
.hc-stat { display: flex; flex-direction: column; }
.hc-stat-num {
  font-family: var(--font-display);
  font-size: clamp(1.75rem, 3vw, 2.5rem);
  font-weight: 700; color: #fff; line-height: 1;
}
.hc-stat-num em { color: var(--accent); font-style: normal; }
.hc-stat-lbl { font-size: 0.7rem; color: rgba(255,255,255,0.4); margin-top: 0.3rem; }
.hc-divider { height: 1px; background: rgba(255,255,255,0.08); margin-bottom: 1.75rem; }
.hc-checks { list-style: none; display: flex; flex-direction: column; gap: 0.8rem; margin-bottom: 2rem; }
.hc-checks li {
  font-size: 0.875rem; color: rgba(255,255,255,0.72);
  display: flex; align-items: center; gap: 0.65rem;
}
.hc-tick { color: var(--accent); font-weight: 700; flex-shrink: 0; font-size: 0.9rem; }
.hc-footer { display: flex; align-items: center; gap: 0.75rem; }
.hc-fca-badge {
  background: var(--accent); color: #fff;
  font-size: 0.7rem; font-weight: 800; letter-spacing: 0.08em;
  padding: 0.3rem 0.6rem; border-radius: 4px;
}
.hc-fca-text { font-size: 0.75rem; color: rgba(255,255,255,0.38); }

.hero-badge {
  position: absolute; bottom: -1.75rem; left: -1.75rem; z-index: 2;
  background: var(--bg-surface); border: 1px solid var(--border-subtle);
  border-radius: 12px; padding: 1.1rem 1.25rem;
  box-shadow: 0 12px 40px rgba(15,31,46,0.13); min-width: 188px;
}
.hero-badge-top { display: flex; align-items: center; gap: 0.45rem; margin-bottom: 0.2rem; }
.hero-badge-dot { width: 8px; height: 8px; background: var(--accent); border-radius: 50%; flex-shrink: 0; }
.hero-badge-title { font-family: var(--font-display); font-weight: 600; font-size: 0.95rem; color: var(--primary); }
.hero-badge-sub { font-size: 0.775rem; color: var(--text-secondary); padding-left: 1.3rem; }


/* ═══════════════════════════════════════════════════════════
   TICKER / MARQUEE
═══════════════════════════════════════════════════════════ */
.ticker {
  background: var(--primary); overflow: hidden;
  height: 46px; display: flex; align-items: center;
  border-top: 1px solid rgba(255,255,255,0.04);
}
.ticker-track {
  display: flex; white-space: nowrap;
  animation: marquee 24s linear infinite;
}
.ticker-track:hover { animation-play-state: paused; }
.ticker-item {
  display: inline-flex; align-items: center; gap: 0.75rem;
  padding: 0 2.25rem;
  font-size: 0.78rem; font-weight: 500;
  color: rgba(255,255,255,0.6);
  letter-spacing: 0.06em; text-transform: uppercase;
}
.ticker-dot { width: 4px; height: 4px; background: var(--accent); border-radius: 50%; flex-shrink: 0; }
@keyframes marquee {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}


/* ═══════════════════════════════════════════════════════════
   SERVICES — editorial numbered list
═══════════════════════════════════════════════════════════ */
.services { background: var(--bg-warm); padding: var(--space-xl) 0; }
.services .container { display: grid; grid-template-columns: 34fr 66fr; gap: 5rem; align-items: start; }

.services-intro { position: sticky; top: 96px; }
.services-intro h2 {
  font-family: var(--font-display);
  font-size: clamp(1.875rem, 3.5vw, 2.875rem);
  color: var(--text-primary); line-height: 1.12; margin-bottom: 1.25rem;
}
.services-intro p { font-size: 0.9375rem; color: var(--text-secondary); line-height: 1.75; margin-bottom: 2rem; }
.services-big-num {
  font-family: var(--font-display);
  font-size: clamp(7rem, 12vw, 11rem); font-weight: 700;
  color: var(--primary); opacity: 0.05;
  line-height: 1; margin-top: 1.5rem; user-select: none;
}

.services-list { display: flex; flex-direction: column; }
.svc-row {
  display: grid; grid-template-columns: 2.25rem 1fr 2.5rem;
  align-items: center; gap: 1.5rem;
  padding: 1.6rem 0.75rem; border-bottom: 1px solid var(--border-subtle);
  border-radius: 8px; transition: background 220ms, border-color 220ms, padding 220ms;
  cursor: default;
}
.svc-row:first-child { border-top: 1px solid var(--border-subtle); }
.svc-row:hover {
  background: var(--bg-surface); border-color: transparent;
  padding: 1.6rem 1.25rem; box-shadow: 0 4px 24px rgba(15,31,46,0.07);
}
.svc-num { font-family: var(--font-display); font-size: 0.9rem; font-weight: 600; color: var(--accent); }
.svc-body h3 {
  font-family: var(--font-display); font-size: clamp(1.2rem, 2vw, 1.375rem); font-weight: 600;
  color: var(--text-primary); margin-bottom: 0.35rem; line-height: 1.25;
}
.svc-body p { font-size: 1rem; color: var(--text-secondary); line-height: 1.6; }
.svc-arrow {
  width: 36px; height: 36px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--text-secondary); border: 1px solid var(--border-subtle);
  transition: background 220ms, color 220ms, border-color 220ms;
  flex-shrink: 0;
}
.svc-row:hover .svc-arrow { background: var(--accent); color: #fff; border-color: transparent; }
.svc-arrow svg { width: 15px; height: 15px; }


/* ═══════════════════════════════════════════════════════════
   STATS — oversized editorial numbers
═══════════════════════════════════════════════════════════ */
.stats { background: var(--primary); }
.stats-grid { display: grid; grid-template-columns: repeat(4,1fr); }
.stat-cell {
  padding: 4rem 2rem 3.5rem; border-right: 1px solid rgba(255,255,255,0.07);
  position: relative; overflow: hidden;
}
.stat-cell:last-child { border-right: none; }
.stat-cell::after {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0;
  height: 3px; background: var(--accent);
  transform: scaleX(0); transition: transform 400ms var(--ease-out);
  transform-origin: left;
}
.stat-cell:hover::after { transform: scaleX(1); }
.stat-num {
  font-family: var(--font-display);
  font-size: clamp(3rem, 5.5vw, 4.75rem);
  font-weight: 700; color: #fff; line-height: 1; margin-bottom: 0.875rem;
}
.stat-num span { color: var(--accent); }
.stat-num--sm { font-size: clamp(1.6rem, 3vw, 2.5rem); line-height: 1.15; }
.stat-title { font-size: 0.875rem; font-weight: 600; color: rgba(255,255,255,0.9); margin-bottom: 0.25rem; }
.stat-sub   { font-size: 0.78rem; color: rgba(255,255,255,0.4); line-height: 1.5; }


/* ═══════════════════════════════════════════════════════════
   WHY CHOOSE US
═══════════════════════════════════════════════════════════ */
.why { background: var(--bg-base); padding: var(--space-xl) 0; }
.why .container { display: grid; grid-template-columns: 44fr 56fr; gap: 5.5rem; align-items: center; }

/* ── Why comparison table ── */
.why-compare {
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  border-radius: 16px; overflow: hidden;
  box-shadow: 0 8px 40px rgba(15,31,46,0.08);
  align-self: start;
}
.wc-header {
  display: grid; grid-template-columns: 1fr auto 1fr;
  align-items: center; gap: 0.5rem;
  padding: 1.1rem 1.75rem;
  background: var(--bg-warm);
  border-bottom: 1px solid var(--border-subtle);
}
.wc-col-bad { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; color: var(--text-secondary); }
.wc-vs { font-size: 0.68rem; color: var(--text-secondary); opacity: 0.5; text-align: center; }
.wc-col-good { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; color: var(--accent); text-align: right; }
.wc-rows { list-style: none; }
.wc-rows li {
  display: grid; grid-template-columns: 1fr 1fr 1fr;
  align-items: center; gap: 0.5rem;
  padding: 1rem 1.75rem;
  border-bottom: 1px solid var(--border-subtle);
  transition: background 180ms;
}
.wc-rows li:last-child { border-bottom: none; }
.wc-rows li:hover { background: var(--bg-warm); }
.wc-label { font-size: 0.775rem; font-weight: 600; color: var(--text-secondary); }
.wc-bad { font-size: 0.8125rem; color: var(--text-secondary); text-align: center; opacity: 0.65; }
.wc-bad.wc-neutral { opacity: 0.9; }
.wc-good { font-size: 0.8125rem; font-weight: 600; color: var(--accent); text-align: right; }

.why-content h2 {
  font-family: var(--font-display); font-size: clamp(2rem, 4vw, 3rem);
  color: var(--text-primary); line-height: 1.12; margin-bottom: 1.5rem;
}
.why-body { color: var(--text-body); line-height: 1.8; font-size: 1.0625rem; margin-bottom: 2.5rem; }
.why-body p + p { margin-top: 1rem; }

.why-pts { display: flex; flex-direction: column; margin-bottom: 2.5rem; }
.why-pt {
  display: flex; gap: 1.1rem; align-items: flex-start;
  padding: 1.4rem 0; border-bottom: 1px solid var(--border-subtle);
}
.why-pt:first-child { border-top: 1px solid var(--border-subtle); }
/* Icon: no background box — just the icon itself */
.why-pt-icon {
  width: 22px; min-width: 22px;
  display: flex; align-items: center; justify-content: center;
  margin-top: 0.125rem; flex-shrink: 0;
}
.why-pt-icon svg { width: 20px; height: 20px; color: var(--accent); }
.why-pt-body strong { display: block; font-weight: 600; color: var(--text-primary); font-size: 1.0625rem; margin-bottom: 0.25rem; }
.why-pt-body p { font-size: 0.9375rem; color: var(--text-secondary); line-height: 1.65; }


/* ═══════════════════════════════════════════════════════════
   PROCESS — large ghost numerals
═══════════════════════════════════════════════════════════ */
.process { background: var(--bg-warm); padding: var(--space-xl) 0; }
.process-hd { margin-bottom: 4rem; }
.process-hd h2 {
  font-family: var(--font-display); font-size: clamp(2rem, 4vw, 3rem);
  color: var(--text-primary); line-height: 1.12; margin-top: 0.875rem; max-width: 500px;
}

.process-steps { display: grid; grid-template-columns: repeat(3,1fr); }
.process-step {
  padding: 0 3rem 0 0; border-right: 1px solid var(--border-subtle); margin-right: 3rem;
}
.process-step:last-child { border-right: none; margin-right: 0; padding-right: 0; }

.step-ghost {
  font-family: var(--font-display); font-size: clamp(6rem, 10vw, 8.5rem);
  font-weight: 700; color: var(--primary); opacity: 0.055;
  line-height: 1; margin-bottom: -1.75rem; display: block; user-select: none;
}
.step-bar { display: block; width: 2rem; height: 3px; background: var(--accent); margin-bottom: 1.25rem; }
.step-title { font-family: var(--font-display); font-size: 1.25rem; font-weight: 600; color: var(--text-primary); margin-bottom: 0.75rem; }
.step-body { font-size: 0.9rem; color: var(--text-secondary); line-height: 1.75; }


/* ═══════════════════════════════════════════════════════════
   TESTIMONIALS — 1 featured + 2 smaller
═══════════════════════════════════════════════════════════ */
.testimonials { background: var(--bg-base); padding: var(--space-xl) 0; }
.testi-hd { margin-bottom: 3rem; }
.testi-hd h2 {
  font-family: var(--font-display); font-size: clamp(2rem, 4vw, 3rem);
  color: var(--text-primary); line-height: 1.12; margin-top: 0.875rem;
}

.testi-feature {
  background: var(--primary); border-radius: 16px;
  padding: 3.5rem 4rem; margin-bottom: 1.5rem;
  position: relative; overflow: hidden;
}
.testi-feature::before {
  content: '\201C'; font-family: var(--font-display);
  font-size: 16rem; color: rgba(255,255,255,0.04);
  position: absolute; top: -3rem; left: 2rem;
  line-height: 1; pointer-events: none;
}
.testi-feature blockquote {
  font-family: var(--font-display);
  font-size: clamp(1.2rem, 2.5vw, 1.7rem);
  font-style: italic; color: #fff; line-height: 1.55;
  margin-bottom: 2.25rem; position: relative; z-index: 1; max-width: 780px;
}
.testi-feature-foot { display: flex; align-items: center; gap: 1rem; position: relative; z-index: 1; }
.testi-feature-av {
  width: 48px; height: 48px; background: var(--accent); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display); font-weight: 700; color: #fff; font-size: 1rem;
  flex-shrink: 0;
}
.testi-feature-name  { font-weight: 600; color: #fff; font-size: 0.9375rem; }
.testi-feature-svc   { font-size: 0.8rem; color: rgba(255,255,255,0.5); margin-top: 0.1rem; }
.testi-feature-stars { color: #F59E0B; font-size: 0.875rem; margin-top: 0.2rem; }
.testi-feature-bar   { position: absolute; right: 3rem; bottom: 2.5rem; width: 72px; height: 3px; background: var(--accent); opacity: 0.55; }

.testi-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 1.25rem; margin-bottom: 2.5rem; }
.testi-card {
  background: var(--bg-surface); border: 1px solid var(--border-subtle);
  border-radius: 12px; padding: 2rem; display: flex; flex-direction: column;
}
.testi-card-quote { font-family: var(--font-display); font-size: 3rem; line-height: 0.6; color: var(--accent); opacity: 0.45; display: block; margin-bottom: 1rem; }
.testi-card blockquote { font-style: italic; color: var(--text-body); line-height: 1.7; font-size: 0.9375rem; flex-grow: 1; margin-bottom: 1.5rem; }
.testi-card-foot { display: flex; align-items: center; gap: 0.875rem; border-top: 1px solid var(--border-subtle); padding-top: 1.1rem; }
.testi-av { width: 38px; height: 38px; background: var(--primary); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-family: var(--font-display); font-weight: 600; color: #fff; font-size: 0.8125rem; flex-shrink: 0; }
.testi-name { font-weight: 600; font-size: 0.875rem; color: var(--text-primary); }
.testi-svc  { font-size: 0.775rem; color: var(--text-secondary); }
.stars { color: #F59E0B; font-size: 0.8125rem; }

.vouched-row { display: flex; align-items: center; justify-content: center; gap: 0.5rem; font-size: 0.875rem; color: var(--text-secondary); }
.vouched-row svg { width: 15px; height: 15px; color: var(--accent); }


/* ═══════════════════════════════════════════════════════════
   FCA COMPLIANCE
═══════════════════════════════════════════════════════════ */
.compliance {
  background: var(--bg-warm);
  border-top: 1px solid var(--border-subtle); border-bottom: 1px solid var(--border-subtle);
  padding: 2rem var(--space-lg); text-align: center;
}
.compliance-inner { max-width: 720px; margin: 0 auto; display: flex; flex-direction: column; align-items: center; gap: 0.875rem; }
.compliance-icon { width: 26px; height: 26px; color: var(--accent); opacity: 0.65; }
.compliance p { font-size: 0.8125rem; color: var(--text-secondary); line-height: 1.7; }
.compliance strong { color: var(--text-body); }


/* ═══════════════════════════════════════════════════════════
   CONTACT + FORM
═══════════════════════════════════════════════════════════ */
.contact { background: var(--bg-dark); padding: var(--space-xl) 0; }
.contact .container { display: grid; grid-template-columns: 1fr 1fr; gap: 5rem; align-items: start; }

.contact-lhs .section-label { color: rgba(255,255,255,0.45); }
.contact-lhs .section-label::before { background: var(--accent); }
.contact-lhs h2 {
  font-family: var(--font-display); font-size: clamp(2rem, 4vw, 3rem);
  color: #fff; line-height: 1.12; margin-bottom: 1.25rem;
}
.contact-lhs p { color: rgba(255,255,255,0.6); line-height: 1.8; font-size: 1rem; margin-bottom: 2.5rem; }

.contact-items { display: flex; flex-direction: column; gap: 1.1rem; }
.contact-item { display: flex; align-items: flex-start; gap: 0.875rem; font-size: 0.9375rem; }
.contact-item svg { width: 18px; height: 18px; color: var(--accent); flex-shrink: 0; margin-top: 0.125rem; }
.contact-item a { color: rgba(255,255,255,0.8); font-weight: 500; transition: color 200ms; }
.contact-item a:hover { color: #fff; }
.contact-item span { color: rgba(255,255,255,0.5); font-size: 0.9rem; line-height: 1.55; }

.lead-form { background: var(--bg-surface); border-radius: 16px; padding: 2.25rem; }
.lf-title { font-family: var(--font-display); font-size: 1.5rem; font-weight: 600; color: var(--text-primary); margin-bottom: 0.35rem; }
.lf-sub { font-size: 0.875rem; color: var(--text-secondary); margin-bottom: 1.75rem; line-height: 1.55; }
.lf-sub strong { color: var(--accent); }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0.875rem; margin-bottom: 0.875rem; }
.form-group { display: flex; flex-direction: column; gap: 0.35rem; margin-bottom: 0.875rem; }
.form-row .form-group { margin-bottom: 0; }
.form-group label { font-size: 0.8125rem; font-weight: 600; color: var(--text-primary); letter-spacing: 0.01em; }
.form-group input,
.form-group select {
  width: 100%; padding: 0.75rem 0.9rem;
  font-family: var(--font-body); font-size: 0.9375rem;
  color: var(--text-body); background: var(--bg-base);
  border: 1.5px solid var(--border-default); border-radius: 8px;
  transition: border-color 200ms, box-shadow 200ms;
  min-height: 48px; appearance: none; -webkit-appearance: none;
}
.form-group input:focus,
.form-group select:focus { outline: none; border-color: var(--accent); box-shadow: 0 0 0 3px rgba(190,23,41,0.12); }
.form-group input::placeholder { color: var(--text-secondary); }
.form-group select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%236B6B6B' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 0.9rem center; padding-right: 2.25rem;
}
.form-submit {
  width: 100%; padding: 0.95rem;
  background: var(--accent); color: #fff;
  font-family: var(--font-body); font-weight: 700; font-size: 1rem;
  border-radius: 8px; min-height: 54px; border: none; cursor: pointer;
  transition: background 200ms, transform 0.15s, box-shadow 0.15s;
  display: flex; align-items: center; justify-content: center; gap: 0.5rem;
  margin-bottom: 0.875rem;
}
.form-submit:hover { background: var(--accent-light); transform: translateY(-1px); box-shadow: 0 8px 24px rgba(190,23,41,0.22); }
.form-note { text-align: center; font-size: 0.8rem; color: var(--text-secondary); display: flex; align-items: center; justify-content: center; gap: 0.3rem; line-height: 1.4; }
.form-note svg { width: 12px; height: 12px; color: var(--accent); flex-shrink: 0; }
.form-success { display: none; text-align: center; padding: 2rem 1rem; }
.form-success svg { width: 52px; height: 52px; color: var(--accent); margin: 0 auto 1rem; }
.form-success h3 { font-family: var(--font-display); font-size: 1.375rem; color: var(--text-primary); margin-bottom: 0.5rem; }
.form-success p { font-size: 0.9rem; color: var(--text-secondary); line-height: 1.6; }
/* link inside success message */
.form-success p a { color: var(--accent); font-weight: 600; }
.form-success p a:hover { text-decoration: underline; }


/* ── Utility classes (replace inline styles) ── */
.footer-adr    { font-style: normal; line-height: 1.65; }


/* ═══════════════════════════════════════════════════════════
   FOOTER
═══════════════════════════════════════════════════════════ */
.footer { background: #0A1620; padding: var(--space-lg) 0 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1.5fr 1fr 1.5fr; gap: 3rem; padding-bottom: var(--space-lg); }
.footer-logo { height: 38px; width: auto; filter: brightness(0) invert(1); opacity: 0.7; margin-bottom: 1rem; }
.footer-accent-bar { display: block; width: 2rem; height: 2px; background: var(--accent); margin-bottom: 0.875rem; opacity: 0.65; }
.footer-brand p { font-size: 0.875rem; color: rgba(255,255,255,0.42); line-height: 1.7; max-width: 240px; }
.footer-col h4 { font-size: 0.7rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(255,255,255,0.3); margin-bottom: 1rem; }
.footer-col ul li { margin-bottom: 0.6rem; }
.footer-col ul li a { font-size: 0.875rem; color: rgba(255,255,255,0.52); transition: color 200ms; }
.footer-col ul li a:hover { color: rgba(255,255,255,0.88); }
.footer-ci { display: flex; gap: 0.5rem; margin-bottom: 0.75rem; font-size: 0.875rem; color: rgba(255,255,255,0.52); align-items: flex-start; }
.footer-ci svg { width: 14px; height: 14px; color: var(--accent); flex-shrink: 0; margin-top: 0.2rem; opacity: 0.75; }
.footer-ci a { color: rgba(255,255,255,0.52); transition: color 200ms; }
.footer-ci a:hover { color: #fff; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.06); padding: 1.5rem 0; }
.footer-fca { font-size: 0.71rem; color: rgba(255,255,255,0.26); line-height: 1.7; text-align: center; margin-bottom: 1.25rem; max-width: 900px; margin-left: auto; margin-right: auto; }
.footer-bar { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 0.5rem; }
.footer-copy  { font-size: 0.78rem; color: rgba(255,255,255,0.28); }
.footer-legal { display: flex; gap: 1.5rem; }
.footer-legal a { font-size: 0.78rem; color: rgba(255,255,255,0.28); transition: color 200ms; }
.footer-legal a:hover { color: rgba(255,255,255,0.6); }


/* ═══════════════════════════════════════════════════════════
   RESPONSIVE — 4-tier system
   ─────────────────────────────────────────────────────────
   XL  Desktop  ≥ 1280px   ← base / default styles
   LG  Laptop   1025–1279px
   MD  Tablet   768–1024px
   SM  Mobile   481–767px
   XS  S.Phone  ≤ 480px
   TY  Tiny     ≤ 380px
═══════════════════════════════════════════════════════════ */

/* ── XL: Monitor ≥ 1280px — embed stats into hero bottom bar ── */
@media (min-width: 1280px) {
  .hero-stats-bar { display: block; }
  .stats { display: none; }
}

/* ── LG: Laptop 1025–1279px ─────────────────────────── */
@media (max-width: 1279px) {
  .hero .container { gap: 3.5rem; }
  .services .container { gap: 3.5rem; }
  .why .container { gap: 4rem; }
  .footer-grid { gap: 2rem; }
}

/* ── MD: Tablet 768–1024px ───────────────────────────── */
@media (max-width: 1024px) {
  /* Nav → hamburger */
  .nav-links, .nav-cta { display: none; }
  .hamburger { display: flex; }

  /* Hero → single column, canvas stacks above text */
  .hero { padding-top: clamp(3rem, 7vw, 5rem); }
  .hero .container { grid-template-columns: 1fr; gap: 2.5rem; padding-bottom: 3.5rem; }
  .hero-visual { order: -1; }
  .hc-inner { padding: 2rem 2.5rem; }
  .hc-stat-row { gap: 1.5rem; margin-bottom: 1.5rem; }
  .hero-badge { bottom: auto; top: 1rem; left: 1rem; }
  .hero::before { display: none; }
  .hero-sub { max-width: 100%; }

  /* Services → single column, intro above list */
  .services .container { grid-template-columns: 1fr; gap: 2rem; }
  .services-intro { position: static; }
  .services-big-num { display: none; }

  /* Stats → 2 × 2 */
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stat-cell:nth-child(2) { border-right: none; }
  .stat-cell:nth-child(3) { border-top: 1px solid rgba(255,255,255,0.07); }

  /* Why → single column */
  .why .container { grid-template-columns: 1fr; gap: 3rem; }
  .why-compare { order: -1; }

  /* Process → stays 3-col but tighter gap */
  .process-steps { gap: 0; }
  .process-step { padding: 0 2rem 0 0; margin-right: 2rem; }

  /* Testimonials → 2-col on tablet */
  .testi-grid { grid-template-columns: 1fr 1fr; }

  /* Contact → stacked, left-aligned (not centred — reads better) */
  .contact .container { grid-template-columns: 1fr; gap: 3rem; }

  /* Footer → 2 × 2 */
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2.5rem; }
}

/* ── SM: Mobile 481–767px ────────────────────────────── */
@media (max-width: 767px) {
  :root { --space-xl: 4.5rem; --space-lg: 3rem; }

  /* Top bar — hide location, keep tel + email */
  .top-bar-left { display: none; }
  .top-bar-right { gap: 1rem; }

  /* Hero: tighter top, stacked CTAs */
  .hero { padding-top: 3rem; }
  .hero .container { gap: 2rem; padding-bottom: 3rem; }
  .hero-ctas { flex-direction: column; }
  .hero-ctas .btn-red,
  .hero-ctas .btn-ghost-dark { justify-content: center; width: 100%; }
  .hc-inner { padding: 1.75rem 2rem; }

  /* Services: comfortable padding on rows */
  .svc-row { padding: 1.4rem 0.5rem; }
  .svc-row:hover { padding: 1.4rem 1rem; }

  /* Process → single column */
  .process-steps { grid-template-columns: 1fr; }
  .process-step {
    border-right: none; margin-right: 0; padding-right: 0;
    border-top: 1px solid var(--border-subtle);
    padding-top: 2rem; margin-top: 2rem;
  }
  .process-step:first-child { border-top: none; padding-top: 0; margin-top: 0; }

  /* Testimonials → single column */
  .testi-grid { grid-template-columns: 1fr; }
  .testi-feature { padding: 2rem 1.75rem; }
  .testi-feature::before { font-size: 8rem; }
  .testi-feature-bar { display: none; }

  /* Form row → single column */
  .form-row { grid-template-columns: 1fr; }

  /* Compliance */
  .compliance { padding: 1.75rem 1.25rem; }

  /* Footer */
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem; }
  .footer-bar { flex-direction: column; text-align: center; }
  .footer-legal { flex-wrap: wrap; justify-content: center; }
}

/* ── XS: Small Phone ≤ 480px ─────────────────────────── */
@media (max-width: 480px) {
  :root { --space-xl: 3.25rem; --space-lg: 2.25rem; }
  .container { padding: 0 1.25rem; }

  /* Hero canvas: remove fixed aspect-ratio so content sets height */
  .hero-canvas { aspect-ratio: unset; min-height: 220px; }
  .hc-inner { padding: 1.5rem; }
  .hc-stat-row { gap: 1rem; flex-wrap: wrap; }
  .hc-eyebrow { display: none; }

  /* Hero badge */
  .hero-badge { min-width: unset; padding: 0.7rem 0.875rem; left: 0.5rem; top: 0.5rem; }
  .hero-badge-title { font-size: 0.825rem; }
  .hero-badge-sub { display: none; }

  /* Hero proof — wrap, remove dividers */
  .hero-proof { flex-wrap: wrap; gap: 0.875rem; }
  .hero-proof-item { padding: 0 !important; border-left: none !important; }

  /* Stats grid */
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .stat-cell {
    border-right: none;
    border-bottom: 1px solid rgba(255,255,255,0.07);
    padding: 2.25rem 1.25rem 1.875rem;
  }
  .stat-cell:nth-child(3) { border-top: none; }
  .stat-cell:last-child { border-bottom: none; }

  /* Why compare */
  .wc-header { padding: 0.875rem 1rem; }
  .wc-rows li { padding: 0.875rem 1rem; }
  .wc-label { font-size: 0.7rem; }
  .wc-bad, .wc-good { font-size: 0.75rem; }

  /* Testimonials */
  .testi-feature { padding: 1.5rem; }
  .testi-feature blockquote { font-size: clamp(1rem, 4.5vw, 1.15rem); margin-bottom: 1.25rem; }

  /* Contact */
  .contact .container { gap: 2.5rem; }
  .lead-form { padding: 1.75rem 1.25rem; }

  /* Footer → single column */
  .footer-grid { grid-template-columns: 1fr; }
  .footer-brand { margin-bottom: 0.5rem; }
}

/* ── Tiny: ≤ 380px ───────────────────────────────────── */
@media (max-width: 380px) {
  .top-bar { height: auto; min-height: 44px; padding: 0.4rem 0; }
  .navbar .container { height: 60px; }
  .hero { padding-top: 2.5rem; }
  .hero .container { gap: 1.5rem; }
  .hc-checks { gap: 0.6rem; }
  .hc-checks li { font-size: 0.78rem; }
  .hc-stat-num { font-size: clamp(1.5rem, 6vw, 2rem); }
  .stat-num { font-size: clamp(2rem, 8vw, 3rem); }
  .testi-feature { padding: 1.25rem; }
  .wc-rows li { grid-template-columns: 2fr 2fr 2fr; }
}