/* ============================================
   APRICOT MORTGAGES — MAIN STYLESHEET
   Bootstrap Studio Compatible
   ============================================ */

/* --- Google Fonts Import --- */

/* --- CSS Variables --- */

:root {
  --apricot: #F97316;
  --apricot-deep: #EA580C;
  --apricot-light: #FED7AA;
  --apricot-pale: #FFF7ED;
  --navy: #1E2B40;
  --navy-mid: #2D3F5C;
  --slate: #4A5568;
  --slate-light: #718096;
  --cream: #FFFBF5;
  --white: #FFFFFF;
  --border: #E8E0D5;
  --success: #16A34A;
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body: 'DM Sans', 'Helvetica Neue', sans-serif;
  --shadow-sm: 0 2px 8px rgba(30, 43, 64, 0.08);
  --shadow-md: 0 8px 30px rgba(30, 43, 64, 0.12);
  --shadow-lg: 0 20px 60px rgba(30, 43, 64, 0.15);
  --radius: 12px;
  --radius-lg: 20px;
}

/* --- Base Reset & Typography --- */

*, *::before, *::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: auto;
}

body {
  font-family: var(--font-body);
  font-size: 18px;
  line-height: 1.7;
  color: var(--slate);
  background-color: var(--white);
  -webkit-font-smoothing: antialiased;
  margin: 0;
  padding: 0;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 1rem;
}

h1 {
  font-size: clamp(2.4rem, 5vw, 3.8rem);
  font-weight: 700;
}

h2 {
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 700;
}

h3 {
  font-size: clamp(1.4rem, 3vw, 2rem);
  font-weight: 600;
}

h4 {
  font-size: 1.3rem;
  font-weight: 600;
}

h5 {
  font-size: 1.1rem;
  font-weight: 600;
}

p {
  font-size: 18px;
  margin-bottom: 1.2rem;
  color: var(--slate);
}

a {
  color: var(--apricot);
  text-decoration: none;
}

a:hover {
  color: var(--apricot-deep);
}

img {
  max-width: 100%;
  height: auto;
}

/* --- Utility Classes --- */

.text-apricot {
  color: var(--apricot) !important;
}

.text-navy {
  color: var(--navy) !important;
}

.bg-apricot {
  background-color: var(--apricot) !important;
}

.bg-navy {
  background-color: var(--navy) !important;
}

.bg-cream {
  background-color: var(--cream) !important;
}

.bg-apricot-pale {
  background-color: var(--apricot-pale) !important;
}

.section-label {
  font-family: var(--font-body);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--apricot);
  display: inline-block;
  margin-bottom: 0.75rem;
}

.lead {
  font-size: 1.2rem;
  font-weight: 400;
  color: var(--slate);
  line-height: 1.7;
}

/* --- Buttons --- */

.btn {
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  border-radius: 8px;
  padding: 0.75rem 1.8rem;
  border: 2px solid transparent;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
}

.btn-primary {
  background-color: var(--apricot);
  border-color: var(--apricot);
  color: var(--white);
}

.btn-primary:hover {
  background-color: var(--apricot-deep);
  border-color: var(--apricot-deep);
  color: var(--white);
}

.btn-outline-primary {
  background-color: transparent;
  border-color: var(--apricot);
  color: var(--apricot);
}

.btn-outline-primary:hover {
  background-color: var(--apricot);
  border-color: var(--apricot);
  color: var(--white);
}

.btn-light {
  background-color: var(--white);
  border-color: var(--white);
  color: var(--navy);
}

.btn-light:hover {
  background-color: var(--apricot-light);
  border-color: var(--apricot-light);
  color: var(--navy);
}

.btn-outline-light {
  background-color: transparent;
  border-color: rgba(255,255,255,0.6);
  color: var(--white);
}

.btn-outline-light:hover {
  background-color: rgba(255,255,255,0.15);
  color: var(--white);
}

.btn-lg {
  font-size: 1.1rem;
  padding: 1rem 2.4rem;
}

/* ============================================
   NAVBAR
   ============================================ */

.navbar-apricot {
  background-color: var(--white);
  border-bottom: 2px solid var(--border);
  padding: 0.75rem 0;
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: var(--shadow-sm);
}

.navbar-brand {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  text-decoration: none;
}

.brand-logo-mark {
  width: 42px;
  height: 42px;
  background: var(--apricot);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-weight: 900;
  font-size: 1.3rem;
  color: var(--white);
  flex-shrink: 0;
}

.brand-text-wrap .brand-name {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
  display: block;
}

.brand-text-wrap .brand-tagline {
  font-family: var(--font-body);
  font-size: 0.7rem;
  font-weight: 500;
  color: var(--slate-light);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  display: block;
  margin-top: 1px;
}

.navbar-nav .nav-link {
  font-family: var(--font-body);
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--navy);
  padding: 0.5rem 1rem;
  border-radius: 6px;
}

.navbar-nav .nav-link:hover, .navbar-nav .nav-link.active {
  color: var(--apricot);
  background-color: var(--apricot-pale);
}

.navbar-phone {
  font-family: var(--font-body);
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--navy);
  display: flex;
  align-items: center;
  gap: 0.4rem;
}

.navbar-phone i {
  color: var(--apricot);
}

.navbar-toggler {
  border: 2px solid var(--border);
  border-radius: 8px;
  padding: 0.35rem 0.6rem;
}

.navbar-toggler:focus {
  box-shadow: none;
}

/* ============================================
   HERO — HOME PAGE
   ============================================ */

.hero-home {
  background-color: var(--navy);
  position: relative;
  overflow: hidden;
  padding: 100px 0 80px;
  min-height: 90vh;
  display: flex;
  align-items: center;
}

.hero-home::before {
  content: '';
  position: absolute;
  top: -100px;
  right: -100px;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(249,115,22,0.18) 0%, transparent 70%);
  pointer-events: none;
}

.hero-home::after {
  content: '';
  position: absolute;
  bottom: -80px;
  left: -60px;
  width: 400px;
  height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(249,115,22,0.10) 0%, transparent 70%);
  pointer-events: none;
}

.hero-home .hero-eyebrow {
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--apricot);
  background: rgba(249,115,22,0.12);
  border: 1px solid rgba(249,115,22,0.3);
  display: inline-block;
  padding: 0.35rem 0.9rem;
  border-radius: 100px;
  margin-bottom: 1.25rem;
}

.hero-home h1 {
  color: var(--white);
  font-size: clamp(2.6rem, 5.5vw, 4.2rem);
  line-height: 1.1;
  margin-bottom: 1.5rem;
}

.hero-home h1 span {
  color: var(--apricot);
}

.hero-home .hero-sub {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.75);
  max-width: 520px;
  margin-bottom: 2.5rem;
  line-height: 1.7;
}

.hero-trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 1.5rem;
  margin-top: 2.5rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(255,255,255,0.12);
}

.trust-badge {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  color: rgba(255,255,255,0.7);
  font-size: 0.9rem;
  font-weight: 500;
}

.trust-badge i {
  color: var(--apricot);
  font-size: 1.1rem;
}

.hero-image-wrap {
  position: relative;
}

.hero-card-float {
  background: var(--white);
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
  box-shadow: var(--shadow-lg);
  display: inline-flex;
  align-items: center;
  gap: 1rem;
  position: absolute;
}

.hero-card-float.card-rate {
  bottom: -20px;
  left: -20px;
}

.hero-card-float.card-approved {
  top: 20px;
  right: -10px;
}

.hero-card-float .float-icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: var(--apricot-pale);
  display: flex;
  align-items: center;
  justify-content: center;
}

.hero-card-float .float-icon i {
  color: var(--apricot);
  font-size: 1.2rem;
}

.hero-card-float .float-label {
  font-size: 0.75rem;
  color: var(--slate-light);
  font-weight: 500;
  display: block;
  margin-bottom: 1px;
}

.hero-card-float .float-value {
  font-family: var(--font-display);
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
}

/* ============================================
   STATS BAR
   ============================================ */

.stats-bar {
  background: var(--apricot);
  padding: 2rem 0;
}

.stat-item {
  text-align: center;
  padding: 0.5rem 1rem;
}

.stat-item .stat-number {
  font-family: var(--font-display);
  font-size: 2.2rem;
  font-weight: 700;
  color: var(--white);
  line-height: 1;
  display: block;
}

.stat-item .stat-label {
  font-size: 0.9rem;
  font-weight: 500;
  color: rgba(255,255,255,0.85);
  margin-top: 0.2rem;
}

/* ============================================
   SECTIONS — GENERAL
   ============================================ */

section {
  padding: 80px 0;
}

.section-intro {
  max-width: 680px;
}

/* ============================================
   SERVICE CARDS
   ============================================ */

.service-card {
  background: var(--white);
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2rem;
  height: 100%;
  position: relative;
  overflow: hidden;
  transition: border-color 0.2s ease, box-shadow 0.2s ease, transform 0.2s ease;
}

.service-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--apricot);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.25s ease;
}

.service-card:hover {
  border-color: var(--apricot-light);
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}

.service-card:hover::before {
  transform: scaleX(1);
}

.service-icon {
  width: 60px;
  height: 60px;
  background: var(--apricot-pale);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  flex-shrink: 0;
}

.service-icon i {
  color: var(--apricot);
  font-size: 1.5rem;
}

.service-card h4 {
  font-size: 1.2rem;
  margin-bottom: 0.6rem;
  color: var(--navy);
}

.service-card p {
  font-size: 1rem;
  color: var(--slate);
  margin-bottom: 1.25rem;
}

.service-card .card-link {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--apricot);
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
}

.service-card .card-link:hover {
  color: var(--apricot-deep);
}

/* ============================================
   WHY CHOOSE US
   ============================================ */

.why-us-section {
  background: var(--navy);
  color: var(--white);
}

.why-us-section h2 {
  color: var(--white);
}

.why-us-section .section-label {
  color: var(--apricot);
}

.why-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: 2rem;
  height: 100%;
}

.why-card .why-number {
  font-family: var(--font-display);
  font-size: 3rem;
  font-weight: 900;
  color: var(--apricot);
  opacity: 0.4;
  line-height: 1;
  margin-bottom: 0.5rem;
}

.why-card h4 {
  color: var(--white);
  font-size: 1.15rem;
}

.why-card p {
  color: rgba(255,255,255,0.65);
  font-size: 1rem;
  margin: 0;
}

/* ============================================
   ABOUT SECTION
   ============================================ */

.about-image-wrap {
  position: relative;
}

.about-badge {
  position: absolute;
  bottom: -15px;
  right: -15px;
  background: var(--apricot);
  color: var(--white);
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
  box-shadow: var(--shadow-md);
  text-align: center;
}

.about-badge .badge-number {
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 700;
  line-height: 1;
  display: block;
}

.about-badge .badge-text {
  font-size: 0.8rem;
  font-weight: 600;
  opacity: 0.9;
  margin-top: 2px;
}

.about-check-list {
  list-style: none;
  padding: 0;
  margin: 1.5rem 0 2rem;
}

.about-check-list li {
  font-size: 1rem;
  color: var(--slate);
  padding: 0.5rem 0;
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
}

.about-check-list li::before {
  content: '';
  width: 22px;
  height: 22px;
  min-width: 22px;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='%23F97316'%3E%3Ccircle cx='12' cy='12' r='12' fill='%23FFF7ED'/%3E%3Cpath d='M9 12l2 2 4-4' stroke='%23F97316' stroke-width='2' stroke-linecap='round' stroke-linejoin='round' fill='none'/%3E%3C/svg%3E") center/contain no-repeat;
  margin-top: 2px;
}

/* ============================================
   TESTIMONIALS
   ============================================ */

.testimonials-section {
  background: var(--cream);
}

.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow-sm);
  height: 100%;
  border: 2px solid var(--border);
}

.testimonial-stars {
  color: var(--apricot);
  font-size: 1.1rem;
  margin-bottom: 1rem;
  letter-spacing: 2px;
}

.testimonial-text {
  font-size: 1rem;
  color: var(--slate);
  font-style: italic;
  line-height: 1.7;
  margin-bottom: 1.5rem;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.testimonial-author .author-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--apricot);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1rem;
  color: var(--white);
  flex-shrink: 0;
}

.testimonial-author .author-name {
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--navy);
  display: block;
  line-height: 1.2;
}

.testimonial-author .author-location {
  font-size: 0.8rem;
  color: var(--slate-light);
}

/* ============================================
   FAQ SECTION
   ============================================ */

.faq-section {
  background: var(--white);
}

.accordion-item {
  border: 2px solid var(--border);
  border-radius: var(--radius) !important;
  margin-bottom: 0.75rem;
  overflow: hidden;
}

.accordion-item:first-child, .accordion-item:last-child {
  border-radius: var(--radius) !important;
}

.accordion-button {
  font-family: var(--font-body);
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--navy);
  background: var(--white);
  padding: 1.25rem 1.5rem;
  box-shadow: none !important;
}

.accordion-button:not(.collapsed) {
  color: var(--apricot);
  background: var(--apricot-pale);
}

.accordion-button::after {
  filter: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath fill='%23F97316' d='M7.247 11.14L2.451 5.658C1.885 5.013 2.345 4 3.204 4h9.592a1 1 0 0 1 .753 1.659l-4.796 5.48a1 1 0 0 1-1.506 0z'/%3E%3C/svg%3E");
}

.accordion-body {
  font-size: 1rem;
  color: var(--slate);
  padding: 0 1.5rem 1.5rem;
  line-height: 1.7;
}

/* ============================================
   CTA BANNER
   ============================================ */

.cta-banner {
  background: linear-gradient(135deg, var(--apricot) 0%, var(--apricot-deep) 100%);
  padding: 70px 0;
}

.cta-banner h2 {
  color: var(--white);
}

.cta-banner p {
  color: rgba(255,255,255,0.85);
  font-size: 1.1rem;
}

/* ============================================
   PROCESS STEPS
   ============================================ */

.process-section {
  background: var(--apricot-pale);
}

.process-step {
  text-align: center;
  padding: 1.5rem;
}

.step-circle {
  width: 70px;
  height: 70px;
  border-radius: 50%;
  background: var(--apricot);
  color: var(--white);
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.25rem;
  box-shadow: 0 4px 20px rgba(249,115,22,0.35);
}

.process-step h4 {
  font-size: 1.1rem;
  margin-bottom: 0.5rem;
}

.process-step p {
  font-size: 0.95rem;
  color: var(--slate);
  margin: 0;
}

.process-connector {
  position: absolute;
  top: 35px;
  left: calc(50% + 35px);
  width: calc(100% - 70px);
  height: 2px;
  background: var(--apricot-light);
  z-index: 0;
}

/* ============================================
   TEAM CARDS
   ============================================ */

.team-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 2px solid var(--border);
}

.team-card .team-photo {
  height: 240px;
  background: var(--apricot-light);
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}

.team-card .team-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.team-card .team-photo .team-initials {
  font-family: var(--font-display);
  font-size: 3.5rem;
  font-weight: 700;
  color: var(--apricot-deep);
  opacity: 0.5;
}

.team-card .team-info {
  padding: 1.5rem;
}

.team-card .team-name {
  font-size: 1.2rem;
  margin-bottom: 0.2rem;
  color: var(--navy);
}

.team-card .team-role {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--apricot);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 0.75rem;
}

.team-card .team-bio {
  font-size: 0.95rem;
  color: var(--slate);
  line-height: 1.6;
  margin: 0;
}

/* ============================================
   CONTACT PAGE
   ============================================ */

.hero-inner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 80px 0;
  color: var(--white);
  position: relative;
  overflow: hidden;
}

.hero-inner::before {
  content: '';
  position: absolute;
  top: -80px;
  right: -80px;
  width: 400px;
  height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(249,115,22,0.15) 0%, transparent 70%);
}

.hero-inner h1, .hero-inner h2 {
  color: var(--white);
}

.hero-inner p {
  color: rgba(255,255,255,0.75);
}

.contact-form-wrap {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow-lg);
}

.form-label {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 0.4rem;
}

.form-control, .form-select {
  font-family: var(--font-body);
  font-size: 1rem;
  border: 2px solid var(--border);
  border-radius: 8px;
  padding: 0.75rem 1rem;
  color: var(--navy);
  background-color: var(--white);
}

.form-control:focus, .form-select:focus {
  border-color: var(--apricot);
  box-shadow: 0 0 0 3px rgba(249,115,22,0.12);
  outline: none;
}

.form-control::placeholder {
  color: var(--slate-light);
}

.contact-info-card {
  background: var(--white);
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  margin-bottom: 1.25rem;
  display: flex;
  align-items: flex-start;
  gap: 1rem;
}

.contact-info-icon {
  width: 50px;
  height: 50px;
  background: var(--apricot-pale);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-info-icon i {
  color: var(--apricot);
  font-size: 1.2rem;
}

.contact-info-label {
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--slate-light);
  margin-bottom: 0.2rem;
}

.contact-info-value {
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--navy);
  margin: 0;
}

.contact-info-value a {
  color: var(--navy);
}

.contact-info-value a:hover {
  color: var(--apricot);
}

/* ============================================
   SERVICES PAGE
   ============================================ */

.service-detail-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 2px solid var(--border);
  margin-bottom: 2rem;
}

.service-detail-header {
  background: var(--navy);
  padding: 2rem;
  display: flex;
  align-items: center;
  gap: 1.25rem;
}

.service-detail-header .detail-icon {
  width: 56px;
  height: 56px;
  background: rgba(249,115,22,0.2);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.service-detail-header .detail-icon i {
  color: var(--apricot);
  font-size: 1.4rem;
}

.service-detail-header h3 {
  color: var(--white);
  margin: 0;
  font-size: 1.4rem;
}

.service-detail-body {
  padding: 2rem;
}

.service-detail-body p {
  font-size: 1rem;
}

.service-feature-list {
  list-style: none;
  padding: 0;
  margin: 1rem 0 0;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.5rem;
}

.service-feature-list li {
  font-size: 0.95rem;
  color: var(--slate);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.service-feature-list li::before {
  content: '✓';
  color: var(--apricot);
  font-weight: 700;
}

/* ============================================
   FOOTER
   ============================================ */

.site-footer {
  background: var(--navy);
  color: rgba(255,255,255,0.7);
  padding: 64px 0 0;
}

.footer-brand .brand-name {
  color: var(--white);
}

.footer-brand .brand-tagline {
  color: rgba(255,255,255,0.5);
}

.footer-tagline {
  font-size: 1rem;
  color: rgba(255,255,255,0.6);
  margin: 1rem 0 1.5rem;
  line-height: 1.6;
}

.footer-heading {
  font-family: var(--font-body);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--apricot);
  margin-bottom: 1.25rem;
}

.footer-links {
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer-links li {
  margin-bottom: 0.6rem;
}

.footer-links a {
  font-size: 0.95rem;
  color: rgba(255,255,255,0.65);
  text-decoration: none;
}

.footer-links a:hover {
  color: var(--apricot);
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  margin-bottom: 0.9rem;
  font-size: 0.95rem;
}

.footer-contact-item i {
  color: var(--apricot);
  margin-top: 3px;
  flex-shrink: 0;
}

.footer-contact-item a {
  color: rgba(255,255,255,0.65);
}

.footer-contact-item a:hover {
  color: var(--apricot);
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 1.5rem 0;
  margin-top: 4rem;
}

.footer-bottom p {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.45);
  margin: 0;
}

.footer-legal {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.35);
  margin: 0.5rem 0 0;
  line-height: 1.5;
}

.social-icons {
  display: flex;
  gap: 0.75rem;
  margin-top: 1.25rem;
}

.social-icon {
  width: 38px;
  height: 38px;
  background: rgba(255,255,255,0.08);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.6);
  font-size: 1rem;
  text-decoration: none;
}

.social-icon:hover {
  background: var(--apricot);
  color: var(--white);
}

/* ============================================
   UNSPLASH PLACEHOLDER IMAGES
   ============================================ */

.img-placeholder {
  background: linear-gradient(135deg, var(--apricot-light) 0%, #fbbf24 100%);
  width: 100%;
  border-radius: var(--radius-lg);
  overflow: hidden;
}

.img-hero-home {
  height: 480px;
  background: linear-gradient(145deg, #2D3F5C 0%, #1E2B40 50%, #2a3a52 100%);
  border-radius: var(--radius-lg);
  position: relative;
  overflow: hidden;
  display: flex;
  align-items: center;
  justify-content: center;
}

.img-hero-home img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: var(--radius-lg);
}

/* ============================================
   AREA SECTION
   ============================================ */

.area-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: var(--white);
  border: 2px solid var(--border);
  border-radius: 100px;
  padding: 0.5rem 1rem;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--navy);
  margin: 0.3rem;
}

.area-pill i {
  color: var(--apricot);
  font-size: 0.85rem;
}

/* ============================================
   PAGE HERO — ABOUT PAGE
   ============================================ */

.values-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  border: 2px solid var(--border);
  height: 100%;
  text-align: center;
}

.values-card .value-icon {
  width: 64px;
  height: 64px;
  background: var(--apricot-pale);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.25rem;
}

.values-card .value-icon i {
  color: var(--apricot);
  font-size: 1.5rem;
}

/* ============================================
   CALCULATOR — SHARED COMPONENTS
   (used on first-time-buyers.html & loans.html)
   ============================================ */

/* Tab-style calculator switcher */

.calc-tabs {
  display: flex;
  gap: 0.5rem;
  background: var(--border);
  padding: 5px;
  border-radius: 10px;
  margin-bottom: 1.75rem;
  flex-wrap: wrap;
}

.calc-tab-btn {
  flex: 1;
  min-width: 120px;
  font-family: var(--font-body);
  font-size: 0.9rem;
  font-weight: 600;
  border: none;
  background: transparent;
  color: var(--slate);
  padding: 0.6rem 1rem;
  border-radius: 7px;
  cursor: pointer;
}

.calc-tab-btn.active {
  background: var(--white);
  color: var(--navy);
  box-shadow: var(--shadow-sm);
}

.calc-panel {
  display: none;
}

.calc-panel.active {
  display: block;
}

/* Shared calc card wrapper */

.calc-wrap {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow-md);
  border: 2px solid var(--border);
}

/* Result display */

.calc-results-panel {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 2rem;
  height: 100%;
}

.calc-results-panel h4 {
  color: var(--white);
  font-size: 1.1rem;
  margin-bottom: 1.5rem;
}

.result-hero {
  background: var(--apricot);
  border-radius: var(--radius);
  padding: 1.5rem;
  text-align: center;
  margin-bottom: 1.25rem;
}

.result-hero .rh-label {
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: rgba(255,255,255,0.8);
  margin-bottom: 0.3rem;
}

.result-hero .rh-amount {
  font-family: var(--font-display);
  font-size: 2.6rem;
  font-weight: 700;
  color: var(--white);
  line-height: 1;
}

.result-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.65rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.09);
  font-size: 0.95rem;
}

.result-row:last-child {
  border-bottom: none;
}

.result-row .rr-label {
  color: rgba(255,255,255,0.55);
}

.result-row .rr-val {
  color: var(--white);
  font-weight: 600;
}

/* Range sliders */

input[type=range] {
  -webkit-appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 3px;
  background: var(--apricot-light);
  outline: none;
  margin: 0.4rem 0;
  border: none;
  cursor: pointer;
}

input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--apricot);
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(249,115,22,0.45);
}

input[type=range]::-moz-range-thumb {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--apricot);
  cursor: pointer;
  border: none;
  box-shadow: 0 2px 8px rgba(249,115,22,0.45);
}

.range-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 0.25rem;
}

.range-row label {
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--navy);
  margin: 0;
}

.range-current {
  font-family: var(--font-display);
  font-weight: 700;
  color: var(--apricot);
  font-size: 1.1rem;
}

.range-limits {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: var(--slate-light);
  margin-top: 2px;
}

/* Stamp duty bands table */

.stamp-table {
  width: 100%;
  font-size: 0.9rem;
  border-collapse: collapse;
  margin-top: 1.25rem;
}

.stamp-table th {
  font-weight: 600;
  color: var(--navy);
  padding: 0.6rem 0.75rem;
  background: var(--apricot-pale);
  text-align: left;
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.stamp-table td {
  padding: 0.6rem 0.75rem;
  color: var(--slate);
  border-bottom: 1px solid var(--border);
  font-size: 0.9rem;
}

.stamp-table tr.highlight td {
  background: rgba(249,115,22,0.07);
  color: var(--navy);
  font-weight: 600;
}

/* ============================================
   FIRST-TIME BUYER PAGE — SPECIFIC
   ============================================ */

.ftb-step-card {
  background: var(--white);
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  height: 100%;
  position: relative;
}

.ftb-step-card .step-num {
  width: 38px;
  height: 38px;
  background: var(--apricot);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1rem;
  color: var(--white);
  margin-bottom: 1rem;
}

.ftb-step-card h5 {
  font-size: 1.05rem;
  margin-bottom: 0.5rem;
}

.ftb-step-card p {
  font-size: 0.95rem;
  margin: 0;
}

.scheme-card {
  background: var(--white);
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2rem;
  height: 100%;
}

.scheme-card .scheme-badge {
  display: inline-block;
  background: var(--apricot);
  color: var(--white);
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  padding: 0.25rem 0.7rem;
  border-radius: 100px;
  margin-bottom: 0.9rem;
}

.scheme-card h4 {
  font-size: 1.15rem;
}

.scheme-card p {
  font-size: 0.97rem;
}

.checklist-block {
  background: var(--apricot-pale);
  border-radius: var(--radius-lg);
  padding: 2rem;
}

.checklist-block h4 {
  font-size: 1.15rem;
  margin-bottom: 1.25rem;
}

.checklist-block ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.checklist-block ul li {
  font-size: 0.97rem;
  color: var(--slate);
  padding: 0.45rem 0;
  display: flex;
  align-items: flex-start;
  gap: 0.65rem;
  border-bottom: 1px solid rgba(249,115,22,0.15);
}

.checklist-block ul li:last-child {
  border-bottom: none;
}

.checklist-block ul li i {
  color: var(--apricot);
  margin-top: 3px;
  flex-shrink: 0;
}

/* ============================================
   LOANS PAGE — SPECIFIC
   ============================================ */

.loan-type-card {
  background: var(--white);
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2rem;
  height: 100%;
  cursor: pointer;
}

.loan-type-card:hover, .loan-type-card.selected {
  border-color: var(--apricot);
  background: var(--apricot-pale);
  box-shadow: var(--shadow-sm);
}

.loan-type-card .lt-icon {
  width: 54px;
  height: 54px;
  background: var(--apricot-pale);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
}

.loan-type-card:hover .lt-icon, .loan-type-card.selected .lt-icon {
  background: rgba(249,115,22,0.25);
}

.loan-type-card .lt-icon i {
  color: var(--apricot);
  font-size: 1.4rem;
}

.loan-type-card h5 {
  font-size: 1.05rem;
  margin-bottom: 0.4rem;
}

.loan-type-card p {
  font-size: 0.92rem;
  margin: 0;
  color: var(--slate);
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.95rem;
}

.comparison-table th {
  background: var(--navy);
  color: var(--white);
  font-weight: 600;
  padding: 0.85rem 1rem;
  text-align: left;
  font-size: 0.88rem;
}

.comparison-table th:first-child {
  border-radius: 10px 0 0 0;
}

.comparison-table th:last-child {
  border-radius: 0 10px 0 0;
}

.comparison-table td {
  padding: 0.85rem 1rem;
  border-bottom: 1px solid var(--border);
  color: var(--slate);
  vertical-align: top;
}

.comparison-table tr:last-child td {
  border-bottom: none;
}

.comparison-table tr:nth-child(even) td {
  background: var(--cream);
}

.comparison-table td:first-child {
  font-weight: 600;
  color: var(--navy);
}

.tick {
  color: var(--success, #16A34A);
  font-weight: 700;
  font-size: 1.1rem;
}

.cross {
  color: #dc2626;
  font-weight: 700;
  font-size: 1.1rem;
}

/* Warning / info boxes */

.info-box {
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  font-size: 0.95rem;
  line-height: 1.6;
}

.info-box.info {
  background: #eff6ff;
  border: 1.5px solid #bfdbfe;
  color: #1e40af;
}

.info-box.warning {
  background: #fffbeb;
  border: 1.5px solid #fde68a;
  color: #92400e;
}

.info-box.success {
  background: #f0fdf4;
  border: 1.5px solid #bbf7d0;
  color: #166534;
}

.info-box i {
  font-size: 1.2rem;
  flex-shrink: 0;
  margin-top: 2px;
}

.info-box p {
  margin: 0;
  font-size: 0.95rem;
  color: inherit;
}

/* Eligibility checker */

.eligibility-wrap {
  background: var(--white);
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
}

.eligibility-header {
  background: var(--navy);
  padding: 1.5rem 2rem;
  color: var(--white);
}

.eligibility-header h4 {
  color: var(--white);
  margin: 0;
  font-size: 1.15rem;
}

.eligibility-header p {
  color: rgba(255,255,255,0.65);
  margin: 0.25rem 0 0;
  font-size: 0.9rem;
}

.eligibility-body {
  padding: 2rem;
}

.eligibility-q {
  margin-bottom: 1.5rem;
  padding-bottom: 1.5rem;
  border-bottom: 1px solid var(--border);
}

.eligibility-q:last-of-type {
  border-bottom: none;
  margin-bottom: 0;
}

.eligibility-q label {
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--navy);
  display: block;
  margin-bottom: 0.5rem;
}

.eligibility-result {
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
  margin-top: 1.5rem;
  display: none;
  font-size: 0.97rem;
}

.eligibility-result.show {
  display: block;
}

.eligibility-result.positive {
  background: #f0fdf4;
  border: 2px solid #bbf7d0;
}

.eligibility-result.negative {
  background: #fff7ed;
  border: 2px solid var(--apricot-light);
}

/* ============================================
   BUY-TO-LET, REMORTGAGE & MOVING HOME
   ============================================ */

/* Rental yield / scenario highlight cards */

.highlight-stat-card {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 2rem;
  text-align: center;
  height: 100%;
}

.highlight-stat-card .hs-icon {
  width: 56px;
  height: 56px;
  background: rgba(249,115,22,0.18);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1rem;
}

.highlight-stat-card .hs-icon i {
  color: var(--apricot);
  font-size: 1.4rem;
}

.highlight-stat-card .hs-number {
  font-family: var(--font-display);
  font-size: 2.2rem;
  font-weight: 700;
  color: var(--white);
  line-height: 1;
  display: block;
}

.highlight-stat-card .hs-label {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.6);
  margin-top: 0.35rem;
}

/* Timeline — remortgage process */

.timeline {
  position: relative;
  padding-left: 2.5rem;
}

.timeline::before {
  content: '';
  position: absolute;
  left: 11px;
  top: 8px;
  bottom: 8px;
  width: 2px;
  background: var(--apricot-light);
}

.timeline-item {
  position: relative;
  margin-bottom: 2rem;
}

.timeline-item:last-child {
  margin-bottom: 0;
}

.timeline-dot {
  position: absolute;
  left: -2.5rem;
  top: 4px;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--apricot);
  border: 3px solid var(--white);
  box-shadow: 0 0 0 2px var(--apricot-light);
  display: flex;
  align-items: center;
  justify-content: center;
}

.timeline-dot i {
  color: var(--white);
  font-size: 0.65rem;
}

.timeline-item h5 {
  font-size: 1.05rem;
  margin-bottom: 0.35rem;
  color: var(--navy);
}

.timeline-item p {
  font-size: 0.97rem;
  margin: 0;
  color: var(--slate);
}

.timeline-item .timeline-tag {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--apricot);
  background: var(--apricot-pale);
  border-radius: 100px;
  padding: 0.2rem 0.65rem;
  margin-bottom: 0.5rem;
  letter-spacing: 0.05em;
}

/* Rate comparison strip */

.rate-strip {
  background: var(--apricot-pale);
  border: 2px solid var(--apricot-light);
  border-radius: var(--radius-lg);
  padding: 1.5rem 2rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
}

.rate-strip .rs-label {
  font-size: 0.85rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--apricot-deep);
  margin-bottom: 0.2rem;
}

.rate-strip .rs-value {
  font-family: var(--font-display);
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
}

.rate-strip .rs-sub {
  font-size: 0.82rem;
  color: var(--slate-light);
  margin-top: 0.15rem;
}

.rate-strip .rs-arrow {
  font-size: 2rem;
  color: var(--apricot);
}

/* Mortgage type selector pills */

.type-pill-group {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem;
  margin-bottom: 1.75rem;
}

.type-pill {
  font-family: var(--font-body);
  font-size: 0.88rem;
  font-weight: 600;
  border: 2px solid var(--border);
  background: var(--white);
  color: var(--slate);
  border-radius: 100px;
  padding: 0.45rem 1.1rem;
  cursor: pointer;
  transition: all 0.15s ease;
}

.type-pill:hover {
  border-color: var(--apricot-light);
  color: var(--navy);
}

.type-pill.active {
  border-color: var(--apricot);
  background: var(--apricot);
  color: var(--white);
}

/* Savings highlight box */

.savings-box {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.savings-box::before {
  content: '';
  position: absolute;
  top: -40px;
  right: -40px;
  width: 180px;
  height: 180px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(249,115,22,0.2) 0%, transparent 70%);
}

.savings-box .sb-label {
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--apricot);
  margin-bottom: 0.5rem;
}

.savings-box .sb-amount {
  font-family: var(--font-display);
  font-size: 3.5rem;
  font-weight: 900;
  color: var(--white);
  line-height: 1;
}

.savings-box .sb-period {
  font-size: 1rem;
  color: rgba(255,255,255,0.6);
  margin-top: 0.3rem;
}

/* Moving home — cost breakdown card */

.cost-card {
  background: var(--white);
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  height: 100%;
}

.cost-card .cost-icon {
  width: 50px;
  height: 50px;
  background: var(--apricot-pale);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
}

.cost-card .cost-icon i {
  color: var(--apricot);
  font-size: 1.3rem;
}

.cost-card h5 {
  font-size: 1.05rem;
  margin-bottom: 0.75rem;
}

.cost-list {
  list-style: none;
  padding: 0;
  margin: 0;
}

.cost-list li {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 0.45rem 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.9rem;
}

.cost-list li:last-child {
  border-bottom: none;
}

.cost-list li .cost-name {
  color: var(--slate);
}

.cost-list li .cost-amount {
  font-weight: 600;
  color: var(--navy);
}

/* BTL rental yield indicator */

.yield-meter {
  position: relative;
  height: 10px;
  background: var(--border);
  border-radius: 5px;
  margin: 0.5rem 0;
  overflow: hidden;
}

.yield-fill {
  height: 100%;
  border-radius: 5px;
  background: linear-gradient(90deg, var(--apricot-light), var(--apricot));
  transition: width 0.3s ease;
}

/* ============================================
   PROTECTION PAGE — SPECIFIC
   ============================================ */

/* Protection product card — full-height with coloured top accent */

.protection-card {
  background: var(--white);
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 0;
  height: 100%;
  overflow: hidden;
  transition: box-shadow 0.2s ease, transform 0.2s ease;
}

.protection-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.protection-card .pc-header {
  padding: 1.75rem 1.75rem 1.25rem;
  border-bottom: 2px solid var(--border);
}

.protection-card .pc-icon {
  width: 54px;
  height: 54px;
  background: var(--apricot-pale);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
}

.protection-card .pc-icon i {
  color: var(--apricot);
  font-size: 1.4rem;
}

.protection-card .pc-header h4 {
  font-size: 1.15rem;
  margin-bottom: 0.35rem;
}

.protection-card .pc-header .pc-tagline {
  font-size: 0.88rem;
  color: var(--slate-light);
  margin: 0;
}

.protection-card .pc-body {
  padding: 1.5rem 1.75rem;
}

.protection-card .pc-body p {
  font-size: 0.97rem;
  margin-bottom: 1rem;
}

.pc-covers {
  list-style: none;
  padding: 0;
  margin: 0 0 1.25rem;
}

.pc-covers li {
  font-size: 0.9rem;
  color: var(--slate);
  padding: 0.35rem 0;
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  border-bottom: 1px solid var(--border);
}

.pc-covers li:last-child {
  border-bottom: none;
}

.pc-covers li i {
  color: var(--apricot);
  flex-shrink: 0;
  margin-top: 3px;
}

/* Premium range pill */

.premium-range {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: var(--apricot-pale);
  border: 1.5px solid var(--apricot-light);
  border-radius: 100px;
  padding: 0.3rem 0.85rem;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--apricot-deep);
}

/* Life events scenario cards */

.scenario-card {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 2rem;
  height: 100%;
  position: relative;
  overflow: hidden;
}

.scenario-card::after {
  content: '';
  position: absolute;
  bottom: -30px;
  right: -30px;
  width: 120px;
  height: 120px;
  border-radius: 50%;
  background: rgba(249,115,22,0.12);
}

.scenario-card .sc-emoji {
  font-size: 2.2rem;
  line-height: 1;
  margin-bottom: 1rem;
  display: block;
}

.scenario-card h5 {
  color: var(--white);
  font-size: 1.05rem;
  margin-bottom: 0.5rem;
}

.scenario-card p {
  color: rgba(255,255,255,0.65);
  font-size: 0.93rem;
  margin: 0;
  line-height: 1.6;
}

/* Protection needs quiz */

.needs-quiz {
  background: var(--white);
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
}

.needs-quiz-header {
  background: var(--navy);
  padding: 1.5rem 2rem;
}

.needs-quiz-header h4 {
  color: var(--white);
  margin: 0;
  font-size: 1.15rem;
}

.needs-quiz-header p {
  color: rgba(255,255,255,0.6);
  font-size: 0.9rem;
  margin: 0.3rem 0 0;
}

.needs-quiz-body {
  padding: 1.75rem 2rem;
}

.quiz-q {
  margin-bottom: 1.25rem;
  padding-bottom: 1.25rem;
  border-bottom: 1px solid var(--border);
}

.quiz-q:last-of-type {
  border-bottom: none;
  margin-bottom: 0;
}

.quiz-q .q-label {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 0.6rem;
  display: block;
}

.quiz-options {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
}

.quiz-opt {
  font-family: var(--font-body);
  font-size: 0.85rem;
  font-weight: 500;
  background: var(--apricot-pale);
  border: 2px solid var(--border);
  color: var(--slate);
  border-radius: 8px;
  padding: 0.4rem 0.85rem;
  cursor: pointer;
  transition: all 0.15s ease;
}

.quiz-opt:hover {
  border-color: var(--apricot-light);
}

.quiz-opt.selected {
  border-color: var(--apricot);
  background: var(--apricot);
  color: var(--white);
}

/* Premium estimate result */

.premium-result {
  background: var(--apricot-pale);
  border: 2px solid var(--apricot-light);
  border-radius: var(--radius);
  padding: 1.5rem;
  margin-top: 1.5rem;
  display: none;
}

.premium-result.show {
  display: block;
}

.premium-result .pr-from {
  font-family: var(--font-display);
  font-size: 2.4rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
}

/* ============================================
   SELF-EMPLOYED PAGE — SPECIFIC
   ============================================ */

/* Evidence type cards */

.evidence-card {
  background: var(--white);
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  height: 100%;
}

.evidence-card .ev-number {
  font-family: var(--font-display);
  font-size: 2.8rem;
  font-weight: 900;
  color: var(--apricot);
  opacity: 0.3;
  line-height: 1;
  margin-bottom: 0.3rem;
}

.evidence-card h5 {
  font-size: 1.05rem;
  margin-bottom: 0.5rem;
}

.evidence-card p {
  font-size: 0.95rem;
  margin: 0;
}

/* Employment type selector — horizontal tabs */

.emp-type-tabs {
  display: flex;
  gap: 0;
  border: 2px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  margin-bottom: 2rem;
}

.emp-type-tab {
  flex: 1;
  font-family: var(--font-body);
  font-size: 0.88rem;
  font-weight: 600;
  background: var(--white);
  color: var(--slate);
  border: none;
  padding: 0.7rem 0.5rem;
  cursor: pointer;
  border-right: 2px solid var(--border);
  text-align: center;
}

.emp-type-tab:last-child {
  border-right: none;
}

.emp-type-tab:hover {
  background: var(--apricot-pale);
  color: var(--navy);
}

.emp-type-tab.active {
  background: var(--apricot);
  color: var(--white);
}

.emp-panel {
  display: none;
}

.emp-panel.active {
  display: block;
}

/* Income verification table */

.income-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.92rem;
}

.income-table th {
  background: var(--navy);
  color: var(--white);
  padding: 0.75rem 1rem;
  text-align: left;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.04em;
}

.income-table th:first-child {
  border-radius: 10px 0 0 0;
}

.income-table th:last-child {
  border-radius: 0 10px 0 0;
}

.income-table td {
  padding: 0.75rem 1rem;
  border-bottom: 1px solid var(--border);
  color: var(--slate);
  vertical-align: top;
  font-size: 0.9rem;
}

.income-table tr:last-child td {
  border-bottom: none;
}

.income-table tr:nth-child(even) td {
  background: var(--cream);
}

.income-table td:first-child {
  font-weight: 600;
  color: var(--navy);
}

/* Lender attitude badge */

.lender-badge {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 0.2rem 0.65rem;
  border-radius: 100px;
}

.lender-badge.flexible {
  background: #d1fae5;
  color: #065f46;
}

.lender-badge.standard {
  background: #fef3c7;
  color: #92400e;
}

.lender-badge.strict {
  background: #fee2e2;
  color: #991b1b;
}

/* SE affordability calculator specifics */

.se-income-input-group {
  background: var(--apricot-pale);
  border-radius: var(--radius);
  padding: 1.25rem;
  margin-bottom: 1rem;
  border: 1.5px solid var(--apricot-light);
}

.se-income-input-group .sig-label {
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--apricot-deep);
  margin-bottom: 0.75rem;
}

/* Document checklist */

.doc-checklist {
  list-style: none;
  padding: 0;
  margin: 0;
}

.doc-checklist li {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  padding: 0.6rem 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.95rem;
}

.doc-checklist li:last-child {
  border-bottom: none;
}

.doc-checklist .doc-icon {
  width: 30px;
  height: 30px;
  background: var(--apricot-pale);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}

.doc-checklist .doc-icon i {
  color: var(--apricot);
  font-size: 0.85rem;
}

.doc-checklist .doc-name {
  font-weight: 600;
  color: var(--navy);
  display: block;
  font-size: 0.93rem;
  line-height: 1.2;
}

.doc-checklist .doc-note {
  font-size: 0.82rem;
  color: var(--slate-light);
  display: block;
  margin-top: 1px;
}

/* ============================================
   SPECIALIST & COMPLEX MORTGAGES — SPECIFIC
   ============================================ */

/* Case type navigation pills — horizontal scrollable row */

.case-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-bottom: 3rem;
}

.case-nav-pill {
  font-family: var(--font-body);
  font-size: 0.88rem;
  font-weight: 600;
  background: var(--white);
  border: 2px solid var(--border);
  color: var(--slate);
  border-radius: 100px;
  padding: 0.5rem 1.1rem;
  cursor: pointer;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  transition: all 0.15s ease;
}

.case-nav-pill i {
  color: var(--apricot);
  font-size: 0.9rem;
}

.case-nav-pill:hover {
  border-color: var(--apricot-light);
  color: var(--navy);
}

.case-nav-pill:focus {
  outline: none;
  box-shadow: 0 0 0 3px rgba(249,115,22,0.15);
}

/* Specialist case accordion-style detail block */

.specialist-block {
  background: var(--white);
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  margin-bottom: 1.5rem;
  overflow: hidden;
  scroll-margin-top: 90px;
}

.specialist-block-header {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  padding: 1.75rem 2rem;
  background: var(--navy);
}

.specialist-block-header .sb-icon {
  width: 52px;
  height: 52px;
  background: rgba(249,115,22,0.18);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.specialist-block-header .sb-icon i {
  color: var(--apricot);
  font-size: 1.35rem;
}

.specialist-block-header h3 {
  color: var(--white);
  margin: 0;
  font-size: 1.3rem;
}

.specialist-block-header .sb-sub {
  color: rgba(255,255,255,0.55);
  font-size: 0.9rem;
  margin: 0.2rem 0 0;
}

.specialist-block-body {
  padding: 2rem;
}

.specialist-block-body p {
  font-size: 1rem;
}

.spec-features {
  list-style: none;
  padding: 0;
  margin: 1rem 0 1.5rem;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.4rem 1.5rem;
}

.spec-features li {
  font-size: 0.93rem;
  color: var(--slate);
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  padding: 0.25rem 0;
}

.spec-features li::before {
  content: '✓';
  color: var(--apricot);
  font-weight: 700;
  flex-shrink: 0;
}

/* Difficulty / lender availability meter */

.availability-meter {
  margin: 1rem 0;
}

.meter-label {
  display: flex;
  justify-content: space-between;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--slate-light);
  margin-bottom: 0.35rem;
}

.meter-bar {
  height: 8px;
  background: var(--border);
  border-radius: 4px;
  overflow: hidden;
}

.meter-fill {
  height: 100%;
  border-radius: 4px;
  background: linear-gradient(90deg, var(--apricot-light), var(--apricot));
}

/* Complexity badge */

.complexity-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.09em;
  padding: 0.22rem 0.7rem;
  border-radius: 100px;
}

.complexity-badge.low {
  background: #d1fae5;
  color: #065f46;
}

.complexity-badge.medium {
  background: #fef3c7;
  color: #92400e;
}

.complexity-badge.high {
  background: #fee2e2;
  color: #991b1b;
}

.complexity-badge.very-high {
  background: #f3e8ff;
  color: #5b21b6;
}

/* Specialist calculator — scenario selector */

.scenario-selector {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
  margin-bottom: 2rem;
}

.scenario-btn {
  font-family: var(--font-body);
  font-size: 0.88rem;
  font-weight: 600;
  background: var(--white);
  border: 2px solid var(--border);
  color: var(--slate);
  border-radius: var(--radius);
  padding: 0.75rem 1rem;
  cursor: pointer;
  text-align: left;
  display: flex;
  align-items: center;
  gap: 0.6rem;
  transition: all 0.15s ease;
  line-height: 1.3;
}

.scenario-btn i {
  color: var(--apricot);
  font-size: 1rem;
  flex-shrink: 0;
}

.scenario-btn:hover {
  border-color: var(--apricot-light);
  color: var(--navy);
}

.scenario-btn.active {
  border-color: var(--apricot);
  background: var(--apricot-pale);
  color: var(--navy);
}

/* Bridging loan timeline visual */

.bridge-timeline {
  display: flex;
  align-items: stretch;
  gap: 0;
  margin: 1.5rem 0;
  border-radius: var(--radius);
  overflow: hidden;
  border: 2px solid var(--border);
  font-size: 0.85rem;
}

.bt-phase {
  flex: 1;
  padding: 1rem 0.75rem;
  text-align: center;
}

.bt-phase.purchase {
  background: var(--navy);
  color: var(--white);
}

.bt-phase.bridge {
  background: var(--apricot);
  color: var(--white);
}

.bt-phase.sale {
  background: var(--navy-mid);
  color: var(--white);
}

.bt-phase.repay {
  background: #16a34a;
  color: var(--white);
}

.bt-phase .bt-label {
  font-weight: 700;
  font-size: 0.8rem;
  display: block;
  opacity: 0.7;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.bt-phase .bt-value {
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 700;
  display: block;
  margin-top: 0.25rem;
}

/* What makes a case complex — tick/cross table */

.complex-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.92rem;
}

.complex-table th {
  background: var(--navy);
  color: var(--white);
  padding: 0.75rem 1rem;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-align: left;
}

.complex-table th:first-child {
  border-radius: 10px 0 0 0;
}

.complex-table th:last-child {
  border-radius: 0 10px 0 0;
  text-align: center;
}

.complex-table td {
  padding: 0.7rem 1rem;
  border-bottom: 1px solid var(--border);
  color: var(--slate);
  font-size: 0.9rem;
}

.complex-table tr:last-child td {
  border-bottom: none;
}

.complex-table tr:nth-child(even) td {
  background: var(--cream);
}

.complex-table td:first-child {
  font-weight: 600;
  color: var(--navy);
}

.complex-table td:last-child {
  text-align: center;
}

/* Reassurance strip */

.reassurance-strip {
  background: linear-gradient(135deg, var(--apricot-pale) 0%, #fff7ed 100%);
  border: 2px solid var(--apricot-light);
  border-radius: var(--radius-lg);
  padding: 2rem 2.5rem;
  display: flex;
  align-items: center;
  gap: 2rem;
  flex-wrap: wrap;
}

.reassurance-strip .rs-icon {
  width: 64px;
  height: 64px;
  background: var(--apricot);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.reassurance-strip .rs-icon i {
  color: var(--white);
  font-size: 1.6rem;
}

/* ============================================
   RESPONSIVE
   ============================================ */

@media (max-width: 991.98px) {
  section {
    padding: 60px 0;
  }
}

@media (max-width: 991.98px) {
  .hero-home {
    padding: 70px 0 60px;
    min-height: auto;
  }
}

@media (max-width: 991.98px) {
  .hero-image-wrap {
    margin-top: 3rem;
  }
}

@media (max-width: 991.98px) {
  .hero-card-float {
    display: none;
  }
}

@media (max-width: 991.98px) {
  .service-feature-list {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 767.98px) {
  body {
    font-size: 17px;
  }
}

@media (max-width: 767.98px) {
  section {
    padding: 50px 0;
  }
}

@media (max-width: 767.98px) {
  .hero-home {
    padding: 60px 0 50px;
  }
}

@media (max-width: 767.98px) {
  .stats-bar .stat-item {
    border-right: none;
    border-bottom: 1px solid rgba(255,255,255,0.2);
    padding-bottom: 1rem;
    margin-bottom: 1rem;
  }
}

@media (max-width: 767.98px) {
  .contact-form-wrap {
    padding: 1.75rem 1.25rem;
  }
}

@media (max-width: 767.98px) {
  .about-badge {
    position: static;
    margin-top: 1rem;
    display: inline-block;
  }
}

@media (max-width: 575.98px) {
  .hero-trust-badges {
    flex-direction: column;
    gap: 0.75rem;
  }
}

@media (max-width: 575.98px) {
  .brand-text-wrap .brand-tagline {
    display: none;
  }
}

.dropdown-item.active, .dropdown-item:active {
  /*color: var(--apricot-deep);*/
  /*text-decoration: none;*/
  /*background-color: var(--apricot-pale);*/
}

.dropdown-item:focus, .dropdown-item:hover {
  color: var(--apricot-deep);
  background-color: var(--apricot-pale);
}