*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }

:root {
  /* Brand colours. Red from the logo artwork; Midnight Navy chosen to pair with it. */
  --navy: #0A1628;          /* Midnight Navy */
  --red: #DA1338;
  /* Navy family, derived from --navy for gradients and raised surfaces */
  --navy-mid: #122240;
  --navy-light: #1A3058;
  --slate: #2A3F5F;
  /* Red family, derived from --red for hover and depth states */
  --red-dark: #A90F2B;
  --red-glow: #EE3A5B;
  --gold: #C9A84C;
  --gold-light: #E0C878;
  --gold-dark: #9A7D2E;
  /* Motion: one easing curve, three speeds, two lift shadows. */
  --ease: cubic-bezier(0.16, 1, 0.3, 1);
  --dur-quick: 0.25s;
  --dur-base: 0.35s;
  --dur-slow: 0.6s;
  --shadow-lift: 0 20px 60px rgba(0, 0, 0, 0.07);
  --shadow-lift-sm: 0 10px 32px rgba(0, 0, 0, 0.06);
  --success: #1B7F4B;
  --cream: #F5F1EB;
  --white: #FFFFFF;
  --gray-100: #F7F8FA;
  --gray-200: #E8EBF0;
  --gray-400: #9BA3B5;
  --gray-600: #5A6478;
  --text-dark: #0D1B2A;
  --text-body: #3B4A60;
  /* RGB channels for themeable translucent colours */
  --red-rgb: 218, 19, 56;
  --navy-rgb: 10, 22, 40;
  --navy-light-rgb: 26, 48, 88;
  --gold-rgb: 201, 168, 76;
}

html { scroll-behavior: smooth; overflow-x: hidden; }

body {
  font-family: 'DM Sans', sans-serif;
  color: var(--text-body);
  background: var(--white);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }

/* ========== NAVIGATION ========== */
nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  padding: 0;
  background: rgba(var(--navy-rgb), 0.92);
  backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  transition: all var(--dur-base) var(--ease);
}
nav.scrolled {
  background: rgba(var(--navy-rgb), 0.98);
  box-shadow: 0 4px 30px rgba(0,0,0,0.3);
}
/* Matches .container exactly, so the nav lines up with every section below. */
.nav-inner {
  max-width: 1200px; margin: 0 auto; padding: 0 24px;
  display: grid; grid-template-columns: 1fr auto 1fr;
  align-items: center; height: 92px;
  transition: height var(--dur-base) var(--ease);
}
.nav-logo {
  display: flex; align-items: center;
  text-decoration: none;
}
.nav-logo img { display: block; height: 44px; width: auto; transition: height var(--dur-base) var(--ease); }

/* Condense once the page scrolls, so the bar takes less of the screen. */
@media (min-width: 769px) {
  nav.scrolled .nav-inner { height: 64px; }
  nav.scrolled .nav-logo img { height: 32px; }
}

.nav-links {
  display: flex; align-items: center; gap: 36px;
  list-style: none; justify-self: center;
}
.nav-links a {
  text-decoration: none; color: rgba(255,255,255,0.7);
  font-size: 14px; font-weight: 500; letter-spacing: 0.3px;
  transition: color var(--dur-quick);
}
.nav-links a:hover { color: var(--white); }
.nav-cta-wrap { justify-self: end; display: flex; align-items: center; gap: 16px; }
.nav-cta {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--red); color: var(--white);
  padding: 12px 28px; border-radius: 8px;
  font-family: 'Outfit', sans-serif; font-size: 14px; font-weight: 600;
  text-decoration: none; transition: all var(--dur-quick);
}
.nav-cta:hover {
  background: var(--red-glow);
  transform: translateY(-1px);
  box-shadow: 0 4px 20px rgba(var(--red-rgb), 0.4);
}
/* Tap-to-call in the bar. The Book a Consultation button is hidden on mobile,
   so without this there is no action in the nav at all. */
.nav-call { display: none; }
@media (max-width: 768px) {
  .nav-call {
    display: inline-flex; align-items: center; justify-content: center;
    width: 44px; height: 44px; border-radius: 10px;
    background: var(--red); color: var(--white);
    text-decoration: none; flex: none;
    transition: background var(--dur-quick) var(--ease);
  }
  .nav-call:hover, .nav-call:focus-visible { background: var(--red-glow); }
}
.mobile-toggle {
  display: none; background: none; border: none; cursor: pointer;
  width: 32px; height: 24px; position: relative;
  box-sizing: content-box; padding: 10px 6px; margin: -10px -6px;
  flex-direction: column; justify-content: space-between;
}
.mobile-toggle span {
  display: block; width: 100%; height: 2px;
  background: var(--white); border-radius: 2px; transition: all var(--dur-quick);
}
.mobile-toggle.active span:nth-child(1) {
  transform: translateY(11px) rotate(45deg);
}
.mobile-toggle.active span:nth-child(2) { opacity: 0; }
.mobile-toggle.active span:nth-child(3) {
  transform: translateY(-11px) rotate(-45deg);
}
.mobile-menu {
  display: none; position: fixed; top: 92px; left: 0; right: 0;
  background: rgba(var(--navy-rgb), 0.98);
  backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  padding: 20px 24px 28px; z-index: 999;
  transform: translateY(-100%); opacity: 0;
  transition: transform var(--dur-base) var(--ease), opacity var(--dur-quick) var(--ease);
}
.mobile-menu.open { transform: translateY(0); opacity: 1; }
.mobile-menu ul {
  list-style: none; display: flex; flex-direction: column; gap: 0;
}
.mobile-menu li {
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.mobile-menu li:last-child { border-bottom: none; }
.mobile-menu ul a {
  display: block; padding: 16px 0; text-decoration: none;
  color: rgba(255,255,255,0.7); font-family: 'Outfit', sans-serif;
  font-size: 16px; font-weight: 500; transition: color var(--dur-quick);
}
.mobile-menu ul a:hover { color: var(--white); }
.mobile-menu-cta {
  display: flex; align-items: center; justify-content: center; gap: 8px; margin-top: 20px;
  background: var(--red); color: var(--white);
  padding: 16px; border-radius: 10px;
  font-family: 'Outfit', sans-serif; font-size: 16px; font-weight: 600;
  text-decoration: none; transition: all var(--dur-quick);
}
.mobile-menu-cta:hover { background: var(--red-glow); }
@media (min-width: 769px) { .mobile-menu { display: none !important; } }
@media (max-width: 768px) { .mobile-menu { display: block; } }

/* ========== HERO ========== */
.hero {
  position: relative; min-height: 100vh;
  display: flex; align-items: center;
  background: var(--navy); overflow: hidden;
}
.hero::before {
  content: ''; position: absolute; inset: 0; z-index: 1;
  background:
    radial-gradient(ellipse 80% 60% at 70% 40%, rgba(var(--red-rgb), 0.08), transparent),
    radial-gradient(ellipse 60% 80% at 20% 80%, rgba(var(--navy-light-rgb), 0.6), transparent),
    linear-gradient(180deg, rgba(var(--navy-rgb),0) 0%, rgba(var(--navy-rgb),0.4) 100%);
}
.hero::after {
  content: ''; position: absolute; inset: 0; z-index: 1;
  background-image:
    radial-gradient(1px 1px at 20% 30%, rgba(255,255,255,0.08), transparent),
    radial-gradient(1px 1px at 60% 70%, rgba(255,255,255,0.05), transparent),
    radial-gradient(1px 1px at 80% 20%, rgba(255,255,255,0.06), transparent);
  background-size: 250px 250px, 300px 300px, 200px 200px;
}
.hero-grid {
  position: absolute; inset: 0; z-index: 1;
  background-image:
    linear-gradient(rgba(255,255,255,0.015) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.015) 1px, transparent 1px);
  background-size: 80px 80px;
}
.hero-pulse {
  position: absolute; right: 7%; top: 68%; z-index: 1;
  transform: translateY(-50%); width: 500px; height: 500px;
}
.pulse-ring {
  position: absolute; top: 50%; left: 50%;
  transform: translate(-50%, -50%); border-radius: 50%;
  border: 1px solid rgba(var(--red-rgb), 0.15);
  animation: pulseExpand 4s ease-out infinite;
}
.pulse-ring:nth-child(2) { animation-delay: 1s; }
.pulse-ring:nth-child(3) { animation-delay: 2s; }
.pulse-ring:nth-child(4) { animation-delay: 3s; }
@keyframes pulseExpand {
  0% { width: 80px; height: 80px; opacity: 0.8; }
  100% { width: 500px; height: 500px; opacity: 0; }
}
.pulse-center {
  position: absolute; top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  width: 16px; height: 16px;
  background: var(--red); border-radius: 50%;
  box-shadow: 0 0 30px rgba(var(--red-rgb), 0.5), 0 0 60px rgba(var(--red-rgb), 0.2);
  animation: centerPulse 2s ease-in-out infinite;
}
@keyframes centerPulse {
  0%, 100% { transform: translate(-50%, -50%) scale(1); }
  50% { transform: translate(-50%, -50%) scale(1.3); }
}
.hero-content {
  position: relative; z-index: 2;
  width: 100%; max-width: 1200px; margin: 0 auto;
  padding: 140px 24px 100px;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 8px 20px 8px 12px;
  background: rgba(var(--red-rgb), 0.12);
  border: 1px solid rgba(var(--red-rgb), 0.25);
  border-radius: 100px; margin-bottom: 32px;
  animation: fadeInUp 0.8s ease-out 0.2s both;
}
.hero-badge-dot {
  width: 8px; height: 8px; background: var(--red-glow);
  border-radius: 50%; animation: dotPulse 2s ease-in-out infinite;
}
@keyframes dotPulse { 0%, 100% { opacity: 1; } 50% { opacity: 0.4; } }
.hero-badge span {
  font-family: 'Outfit', sans-serif; font-size: 13px; font-weight: 600;
  color: var(--red-glow); text-transform: uppercase; letter-spacing: 1.5px;
}
.hero h1 {
  font-family: 'Outfit', sans-serif;
  font-size: clamp(40px, 5vw, 64px); font-weight: 800;
  color: var(--white); line-height: 1.08; letter-spacing: -1.5px;
  max-width: 1140px; margin-bottom: 28px;
  animation: fadeInUp 0.8s ease-out 0.4s both;
}
.hero h1 em {
  font-style: normal; color: var(--red-glow); position: relative;
}
.hero h1 em {
  background-image: linear-gradient(var(--red), var(--red));
  background-size: 100% 4px;
  background-repeat: no-repeat;
  background-position: 0 calc(100% - 6px);
  -webkit-box-decoration-break: clone;
  box-decoration-break: clone;
}
.hero-sub {
  font-size: 18px; color: rgba(255,255,255,0.55);
  max-width: 620px; line-height: 1.6; margin-bottom: 18px;
  animation: fadeInUp 0.8s ease-out 0.6s both;
}
.hero-sub:last-of-type { margin-bottom: 40px; }
.hero-actions {
  display: flex; gap: 16px; flex-wrap: wrap;
  animation: fadeInUp 0.8s ease-out 0.8s both;
}
.btn {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 16px 36px; border-radius: 10px;
  font-family: 'Outfit', sans-serif; font-size: 16px; font-weight: 600;
  text-decoration: none; transition: all var(--dur-quick) var(--ease); cursor: pointer; border: none;
}
.btn-primary {
  background: var(--red); color: var(--white);
  box-shadow: 0 4px 20px rgba(var(--red-rgb), 0.3);
}
.btn-primary:hover {
  background: var(--red-glow); transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(var(--red-rgb), 0.4);
}
.btn-outline {
  background: transparent; color: var(--white);
  border: 1px solid rgba(255,255,255,0.2);
}
.btn-outline:hover {
  border-color: rgba(255,255,255,0.4);
  background: rgba(255,255,255,0.05);
}
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(30px); }
  to { opacity: 1; transform: translateY(0); }
}

/* ========== WHO WE SERVE ========== */
.serve { padding: 88px 0; background: var(--white); position: relative; }
.serve::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gray-200), transparent);
}
.section-label {
  font-family: 'Outfit', sans-serif; font-size: 12px; font-weight: 700;
  text-transform: uppercase; letter-spacing: 3px; color: var(--red); margin-bottom: 16px;
}
.section-title {
  font-family: 'Outfit', sans-serif; font-size: clamp(28px, 3.2vw, 40px);
  font-weight: 800; color: var(--text-dark); letter-spacing: -1px;
  line-height: 1.18; margin-bottom: 20px;
}
.section-desc {
  font-size: 17px; color: var(--text-body); line-height: 1.6; max-width: 780px;
}
.serve-header { text-align: center; margin-bottom: 52px; }
.serve-header .section-desc { margin: 0 auto; }

.serve-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.serve-card p { hyphens: auto; }

.serve-card {
  position: relative; padding: 36px 20px 32px;
  background: var(--gray-100); border-radius: 16px; text-align: center;
  border: 1px solid transparent; transition: all var(--dur-base) var(--ease); overflow: hidden;
}
.serve-card::before {
  content: ''; position: absolute; top: 0; left: 50%;
  transform: translateX(-50%); width: 60px; height: 3px;
  background: var(--red); border-radius: 0 0 3px 3px;
  opacity: 0; transition: all var(--dur-base) var(--ease);
}
.serve-card:hover {
  border-color: var(--gray-200); transform: translateY(-4px);
  box-shadow: var(--shadow-lift);
}
.serve-card:hover::before { opacity: 1; }
.serve-icon {
  width: 64px; height: 64px; margin: 0 auto 20px;
  background: var(--white); border-radius: 14px; color: var(--navy);
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 2px 12px rgba(0,0,0,0.04); transition: all var(--dur-base) var(--ease);
}
.serve-card:hover .serve-icon {
  background: var(--navy); color: var(--white);
  box-shadow: 0 4px 20px rgba(var(--navy-rgb),0.2);
}
.serve-icon svg { transition: all var(--dur-base) var(--ease); }
.serve-card h3 {
  font-family: 'Outfit', sans-serif; font-size: 18px;
  font-weight: 700; color: var(--text-dark); margin-bottom: 10px;
}
.serve-card p { font-size: 14px; color: var(--gray-600); line-height: 1.6; }

/* ========== ABOUT ========== */
.about {
  padding: 72px 0; background: var(--navy);
  position: relative; overflow: hidden;
}
.about::before {
  content: ''; position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 50% 50% at 80% 50%, rgba(var(--red-rgb), 0.04), transparent),
    radial-gradient(ellipse 40% 40% at 10% 30%, rgba(var(--navy-light-rgb), 0.3), transparent);
}
.about-inner {
  position: relative; z-index: 1;
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 64px; align-items: center;
}
.about-image { position: relative; }
.about-image-frame {
  width: 100%; aspect-ratio: 4/5;
  background: var(--navy-mid); border-radius: 20px;
  overflow: hidden; position: relative;
}
.about-image-frame::before {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(180deg, transparent 50%, rgba(var(--navy-rgb),0.6));
  z-index: 1;
}
.about-image-badge {
  position: absolute; bottom: -20px; right: -20px;
  background: var(--red); color: var(--white);
  padding: 24px; border-radius: 16px; text-align: center;
  z-index: 2; box-shadow: 0 8px 30px rgba(var(--red-rgb), 0.3);
}
.about-image-badge h4 {
  font-family: 'Outfit', sans-serif; font-size: 32px; font-weight: 800; line-height: 1;
}
.about-image-badge p {
  font-size: 12px; text-transform: uppercase; letter-spacing: 1.5px; opacity: 0.8; margin-top: 4px;
}
.about-content .section-label { color: var(--gold); }
.about-content .section-title { color: var(--white); margin-bottom: 8px; }
.about-content .section-desc { color: rgba(255,255,255,0.55); }
.about-text {
  font-size: 16px; color: rgba(255,255,255,0.5); line-height: 1.72; margin-top: 20px;
}
.about-values { display: flex; flex-direction: column; gap: 14px; margin-top: 26px; }
.about-value { display: flex; gap: 16px; align-items: flex-start; }
.about-value-icon {
  width: 44px; height: 44px; min-width: 44px;
  background: rgba(var(--red-rgb), 0.1); border-radius: 10px;
  color: var(--red-glow);
  display: flex; align-items: center; justify-content: center;
}
.about-value h4 {
  font-family: 'Outfit', sans-serif; font-size: 16px;
  font-weight: 700; color: var(--white); margin-bottom: 4px;
}
.about-value p { font-size: 14px; color: rgba(255,255,255,0.4); line-height: 1.6; }

/* ========== SERVICES ========== */
.services { padding: 88px 0; background: var(--gray-100); }
.services-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 24px; margin-top: 44px;
}
.service-card {
  background: var(--white); border-radius: 16px;
  position: relative; border: 1px solid var(--gray-200);
  transition: all var(--dur-base) var(--ease); overflow: hidden;
  display: flex; flex-direction: column;
}
.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lift); border-color: transparent;
}
.service-card-img {
  width: 100%; aspect-ratio: 16/9; overflow: hidden; position: relative;
}
.service-card-img img {
  width: 100%; height: 100%; object-fit: cover;
  transition: transform var(--dur-slow) var(--ease);
}
.service-card:hover .service-card-img img { transform: scale(1.05); }
.service-card-body {
  padding: 28px 28px 32px; flex: 1;
  display: flex; flex-direction: column;
}
.service-card-body h3 {
  font-family: 'Outfit', sans-serif; font-size: 19px;
  font-weight: 700; color: var(--text-dark); margin-bottom: 10px;
}
.service-card-body p { font-size: 14px; color: var(--gray-600); line-height: 1.5; flex: 1; }
.service-link {
  display: inline-flex; align-items: center; gap: 8px; margin-top: 16px;
  font-family: 'Outfit', sans-serif; font-size: 14px; font-weight: 600;
  color: var(--red); text-decoration: none;
}
.service-link svg { transition: transform var(--dur-quick); }
.service-card:hover .service-link svg { transform: translateX(4px); }

/* ========== PROCESS ========== */
.process { padding: 88px 0; background: var(--white); }
.process-header { text-align: center; margin-bottom: 52px; }
.process-header .section-desc { margin: 0 auto; }
.process-track {
  display: grid; grid-template-columns: repeat(5, 1fr); gap: 0;
  position: relative;
}
.process-step {
  position: relative; text-align: center;
  padding: 0 10px; cursor: default;
}
.step-connector {
  display: flex; align-items: center; justify-content: center;
  position: relative; margin-bottom: 28px; height: 56px;
}
.step-connector::before {
  content: ''; position: absolute; top: 50%; left: 0; right: 0;
  height: 2px; background: var(--gray-200);
  transform: translateY(-1px);
}
.process-step:first-child .step-connector::before { left: 50%; }
.process-step:last-child .step-connector::before { right: 50%; left: 0; width: 50%; }
.step-marker {
  width: 56px; height: 56px; border-radius: 50%;
  background: var(--white); border: 2px solid var(--gray-200);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Outfit', sans-serif; font-size: 16px; font-weight: 800;
  color: var(--gray-400); position: relative; z-index: 2;
  transition: all var(--dur-base) var(--ease);
}
.process-step:hover .step-marker {
  background: var(--red); border-color: var(--red); color: var(--white);
  box-shadow: 0 4px 20px rgba(var(--red-rgb), 0.25);
  transform: scale(1.1);
}
.step-content h3 {
  font-family: 'Outfit', sans-serif; font-size: 17px;
  font-weight: 700; color: var(--text-dark); margin-bottom: 8px;
}
.step-content p {
  font-size: 14px; color: var(--gray-600); line-height: 1.65;
}
/* Step six is the relationship after settlement rather than part of the
   transaction, so it sits on its own line and reads across instead of down. */
.process-final {
  margin-top: 52px; display: flex; align-items: center; gap: 28px;
  background: var(--navy); border-radius: 20px; padding: 32px 36px;
  position: relative; overflow: hidden;
  transition: box-shadow var(--dur-base) var(--ease);
}
/* The same brand rule the modal header carries, marking this as the arrival. */
.process-final::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--red), var(--red-glow), var(--gold));
}
.process-final:hover { box-shadow: var(--shadow-lift); }
/* Already lit, rather than lighting on hover: this step is the destination. */
.process-final .step-marker {
  flex: 0 0 56px;
  background: var(--red); border-color: var(--red); color: var(--white);
  box-shadow: 0 4px 20px rgba(var(--red-rgb), 0.25);
}
.process-final .step-content h3 { font-size: 19px; color: var(--white); }
.process-final .step-content p { font-size: 15px; color: rgba(255,255,255,0.6); }
@media (max-width: 1024px) {
  .process-track { grid-template-columns: repeat(3, 1fr); row-gap: 40px; }
  .process-step:nth-child(3n) .step-connector::before { right: 50%; left: 0; width: 50%; }
  .process-step:nth-child(3n+1) .step-connector::before { left: 50%; right: 0; width: auto; }
  .process-step:last-child .step-connector::before { right: 50%; left: 0; width: 50%; }
}
@media (max-width: 768px) {
  .process-track { grid-template-columns: 1fr 1fr; row-gap: 36px; }
  .process-step:nth-child(2n+1) .step-connector::before { left: 50%; right: 0; width: auto; }
  .process-step:nth-child(2n) .step-connector::before { right: 50%; left: 0; width: 50%; }
  .process-step:last-child .step-connector::before { right: 50%; left: 0; width: 50%; }
  .process-final { flex-direction: column; align-items: flex-start; gap: 20px; padding: 26px 24px; }
}
@media (max-width: 480px) {
  .process-track { grid-template-columns: 1fr; row-gap: 8px; }
  .process-step { display: flex; align-items: flex-start; text-align: left; gap: 20px; padding: 0; }
  .process-step:last-child { max-width: none; grid-column: auto; }
  .step-connector { margin-bottom: 0; height: auto; min-width: 48px; }
  .step-connector::before { display: none; }
  .step-marker { width: 48px; height: 48px; min-width: 48px; font-size: 14px; }
  .step-content { padding-top: 4px; padding-bottom: 20px; border-bottom: 1px solid var(--gray-200); }
  .process-step:last-child .step-content { border-bottom: none; padding-bottom: 0; }
}

/* ========== LEARNING ========== */
.learning { padding: 88px 0; background: var(--cream); position: relative; }
.learning-header {
  display: flex; justify-content: space-between; align-items: flex-end;
  margin-bottom: 40px; gap: 24px;
}
.learning-header .section-desc { max-width: 460px; }
.learning-header-link {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: 'Outfit', sans-serif; font-size: 15px; font-weight: 600;
  color: var(--red); text-decoration: none; white-space: nowrap;
}
.learning-header-link svg { transition: transform var(--dur-quick); }
.learning-header-link:hover svg { transform: translateX(4px); }
.learning-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px;
}
.learning-card {
  background: var(--white); border-radius: 16px;
  overflow: hidden; text-decoration: none; color: inherit;
  border: 1px solid rgba(0,0,0,0.04);
  transition: all var(--dur-base) var(--ease); display: flex; flex-direction: column;
}
.learning-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lift);
}
.learning-card-img {
  width: 100%; aspect-ratio: 16/10; overflow: hidden; position: relative;
}
.learning-card-img img {
  width: 100%; height: 100%; object-fit: cover;
  transition: transform var(--dur-slow) var(--ease);
}
.learning-card:hover .learning-card-img img { transform: scale(1.05); }
.learning-card-body { padding: 22px 22px 26px; flex: 1; display: flex; flex-direction: column; }
.learning-tag {
  display: inline-block; padding: 5px 14px; border-radius: 100px;
  font-family: 'Outfit', sans-serif; font-size: 11px; font-weight: 700;
  text-transform: uppercase; letter-spacing: 1.2px; margin-bottom: 16px;
  width: fit-content;
}
.learning-tag--article { background: rgba(var(--red-rgb), 0.08); color: var(--red); }
.learning-tag--guide { background: rgba(var(--gold-rgb), 0.12); color: var(--gold-dark); }
.learning-tag--update { background: rgba(var(--navy-rgb), 0.06); color: var(--slate); }
.learning-card-body h3 {
  font-family: 'Outfit', sans-serif; font-size: 16px;
  font-weight: 700; color: var(--text-dark); line-height: 1.35;
  margin-bottom: 8px;
  display: -webkit-box; -webkit-line-clamp: 2; -webkit-box-orient: vertical; overflow: hidden;
}
.learning-card-body p {
  font-size: 13px; color: var(--gray-600); line-height: 1.65; flex: 1;
  display: -webkit-box; -webkit-line-clamp: 3; -webkit-box-orient: vertical; overflow: hidden;
}
.learning-card-footer {
  display: flex; align-items: center; justify-content: space-between;
  padding-top: 20px; margin-top: 20px;
  border-top: 1px solid var(--gray-200);
}
.learning-card-footer span {
  font-size: 12px; color: var(--gray-400);
}
.learning-card-footer svg {
  color: var(--red); transition: transform var(--dur-quick);
}
.learning-card:hover .learning-card-footer svg { transform: translateX(4px); }

/* Learning carousel dots (mobile) */
.learning-dots {
  display: none; justify-content: center; gap: 8px;
  margin-top: 24px;
}
.learning-dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--text-dark); opacity: 0.15;
  transition: all var(--dur-quick) var(--ease); border: none; padding: 0; cursor: pointer;
}
.learning-dot.active { opacity: 0.6; transform: scale(1.25); }

/* ========== LENDERS ========== */
.lenders {
  padding: 56px 0; background: var(--white);
  border-top: 1px solid var(--gray-200); border-bottom: 1px solid var(--gray-200);
}
.lenders-inner { text-align: center; }
.lenders-inner .section-label { margin-bottom: 40px; }
.lender-logos {
  display: grid; grid-template-columns: repeat(6, 1fr); gap: 32px 0;
  align-items: center; justify-items: center;
  max-width: 900px; margin: 0 auto;
}
.lender-logo {
  opacity: 1; transition: all var(--dur-base) var(--ease);
  display: flex; align-items: center; justify-content: center;
  width: 100%; padding: 0 12px;
}
.lender-logo:hover { opacity: 0.6; }
.lender-logo img { display: block; height: 32px; width: auto; max-width: 100%; object-fit: contain; }

/* ========== CTA + FOOTER WRAP ========== */
.cta-footer-wrap {
  background: var(--navy); position: relative; overflow: hidden;
}
.cta-footer-grid {
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.015) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.015) 1px, transparent 1px);
  background-size: 80px 80px;
}
.cta-footer-pulse {
  position: absolute; right: 8%; top: 50%;
  transform: translateY(-50%); width: 500px; height: 500px; pointer-events: none;
}
.cta-footer-pulse .pulse-ring {
  position: absolute; top: 50%; left: 50%;
  transform: translate(-50%, -50%); border-radius: 50%;
  border: 1px solid rgba(var(--red-rgb), 0.1);
  animation: pulseExpand 4s ease-out infinite;
}
.cta-footer-pulse .pulse-ring:nth-child(2) { animation-delay: 1s; }
.cta-footer-pulse .pulse-ring:nth-child(3) { animation-delay: 2s; }
.cta-footer-pulse .pulse-ring:nth-child(4) { animation-delay: 3s; }
.cta-footer-pulse .pulse-center {
  position: absolute; top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  width: 12px; height: 12px;
  background: var(--red); border-radius: 50%;
  box-shadow: 0 0 20px rgba(var(--red-rgb), 0.4), 0 0 40px rgba(var(--red-rgb), 0.15);
  animation: centerPulse 2s ease-in-out infinite;
}

/* ========== CTA ========== */
.cta {
  padding: 88px 0 52px; position: relative;
}
.cta::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 50% 70% at 50% 50%, rgba(var(--red-rgb), 0.06), transparent);
}
.cta-inner {
  position: relative; z-index: 1; text-align: center;
  max-width: 700px; margin: 0 auto;
}
.cta-inner .section-label { color: var(--gold); }
.cta-inner .section-title { color: var(--white); margin-bottom: 20px; }
.cta-inner .section-desc {
  color: rgba(255,255,255,0.5); margin: 0 auto 40px; max-width: 520px;
}
.cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }
.cta-contact {
  display: flex; justify-content: center; gap: 48px;
  margin-top: 40px; padding-top: 30px;
  border-top: 1px solid rgba(255,255,255,0.06);
}
.cta-contact-item {
  display: flex; align-items: center; gap: 12px;
  color: rgba(255,255,255,0.4); font-size: 15px;
}
.cta-contact-item svg { color: var(--red-glow); }
.cta-contact-item a {
  color: rgba(255,255,255,0.6); text-decoration: none; transition: color var(--dur-quick);
}
.cta-contact-item a:hover { color: var(--white); }

/* ========== FOOTER ========== */
footer {
  padding: 48px 0 40px; position: relative;
  border-top: 1px solid rgba(255,255,255,0.06);
}
.footer-inner {
  display: flex; justify-content: space-between; align-items: flex-start;
  gap: 40px; padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  position: relative; z-index: 1;
}
.footer-brand img { display: block; height: 30px; width: auto; }
.footer-brand p {
  color: rgba(255,255,255,0.3); font-size: 14px;
  margin-top: 12px; max-width: 300px; line-height: 1.5;
}
.footer-socials {
  display: flex; gap: 12px; margin-top: 20px;
}
.footer-socials a {
  width: 36px; height: 36px; border-radius: 8px;
  background: rgba(255,255,255,0.06);
  display: flex; align-items: center; justify-content: center;
  transition: all var(--dur-quick) var(--ease); text-decoration: none;
}
.footer-socials a:hover {
  background: rgba(255,255,255,0.12); transform: translateY(-2px);
}
.footer-socials a svg { color: rgba(255,255,255,0.4); transition: color var(--dur-quick); }
.footer-socials a:hover svg { color: var(--white); }
.footer-links { display: flex; gap: 64px; }
.footer-col h4 {
  font-family: 'Outfit', sans-serif; font-size: 13px; font-weight: 700;
  color: rgba(255,255,255,0.5); text-transform: uppercase;
  letter-spacing: 1.5px; margin-bottom: 20px;
}
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 12px; }
.footer-col a {
  color: rgba(255,255,255,0.35); text-decoration: none;
  font-size: 14px; transition: color var(--dur-quick);
}
.footer-col a:hover { color: rgba(255,255,255,0.7); }
.footer-bottom {
  display: flex; justify-content: space-between; align-items: flex-start;
  padding-top: 32px; gap: 20px; position: relative; z-index: 1;
}
.footer-bottom p {
  color: rgba(255,255,255,0.2); font-size: 12px; line-height: 1.5; max-width: 700px;
}
.footer-legal { display: flex; flex-direction: column; gap: 8px; max-width: 700px; }

/* ========== BOOKING MODAL ========== */
.modal-overlay {
  position: fixed; inset: 0; z-index: 2000;
  background: rgba(var(--navy-rgb), 0.85);
  backdrop-filter: blur(8px);
  display: flex; align-items: center; justify-content: center;
  padding: 24px;
  opacity: 0; visibility: hidden;
  transition: all var(--dur-quick) var(--ease);
}
.modal-overlay.active { opacity: 1; visibility: visible; }
.modal {
  background: var(--navy); border-radius: 20px;
  width: 100%; max-width: 520px;
  position: relative; overflow: hidden;
  transform: translateY(20px) scale(0.97);
  transition: transform var(--dur-base) var(--ease);
  max-height: 90vh; overflow-y: auto;
}
.modal-overlay.active .modal { transform: translateY(0) scale(1); }
.modal-header {
  background: var(--navy); padding: 32px 36px 28px;
  position: relative; border-radius: 20px 20px 0 0;
}
.modal-header::after {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--red), var(--red-glow), var(--gold));
}
.modal-header .section-label { color: var(--gold); margin-bottom: 8px; }
.modal-header h3 {
  font-family: 'Outfit', sans-serif; font-size: 24px; font-weight: 800;
  color: var(--white); letter-spacing: -0.5px;
}
.modal-header p {
  font-size: 14px; color: rgba(255,255,255,0.45); margin-top: 6px; line-height: 1.5;
}
.modal-close {
  position: absolute; top: 20px; right: 20px;
  width: 36px; height: 36px; border-radius: 8px;
  background: rgba(255,255,255,0.08); border: none; cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  transition: all var(--dur-quick);
}
.modal-close:hover { background: rgba(255,255,255,0.15); }
.modal-close svg { color: rgba(255,255,255,0.6); }
.modal-body { padding: 32px 36px 36px; background: var(--white); border-radius: 0 0 20px 20px; }
.modal-field { margin-bottom: 20px; }
.modal-field label {
  display: block; font-family: 'Outfit', sans-serif; font-size: 13px;
  font-weight: 600; color: var(--text-dark); margin-bottom: 8px;
  letter-spacing: 0.3px;
}
.modal-field input,
.modal-field select,
.modal-field textarea {
  width: 100%; padding: 14px 16px; border-radius: 10px;
  border: 1px solid var(--gray-200); background: var(--gray-100);
  font-family: 'DM Sans', sans-serif; font-size: 15px;
  color: var(--text-dark); transition: all var(--dur-quick);
  outline: none;
}
.modal-field input:focus,
.modal-field select:focus,
.modal-field textarea:focus {
  border-color: var(--red); background: var(--white);
  box-shadow: 0 0 0 3px rgba(var(--red-rgb), 0.08);
}
.modal-field input::placeholder,
.modal-field textarea::placeholder { color: var(--gray-400); }
.modal-field textarea { resize: none; min-height: 80px; }
.modal-field select { cursor: pointer; appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg width='12' height='8' viewBox='0 0 12 8' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1 1.5L6 6.5L11 1.5' stroke='%239BA3B5' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 16px center;
}
.modal-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.modal-submit {
  width: 100%; padding: 16px; border-radius: 10px; border: none;
  background: var(--red); color: var(--white);
  font-family: 'Outfit', sans-serif; font-size: 16px; font-weight: 700;
  cursor: pointer; transition: all var(--dur-quick); margin-top: 4px;
  box-shadow: 0 4px 20px rgba(var(--red-rgb), 0.25);
}
.modal-submit:hover {
  background: var(--red-glow); transform: translateY(-1px);
  box-shadow: 0 6px 28px rgba(var(--red-rgb), 0.35);
}
body.modal-open { overflow: hidden; }

/* ========== SCROLL ANIMATIONS ========== */
.reveal {
  opacity: 0; transform: translateY(40px);
  transition: all 0.8s var(--ease);
}
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
.reveal-delay-4 { transition-delay: 0.4s; }
.reveal-delay-5 { transition-delay: 0.5s; }

/* ========== ACTIVE NAV LINK ========== */
.nav-links a.active { color: var(--white); }
.mobile-menu ul a.active { color: var(--white); }

/* ========== PAGE HEADER ========== */
.page-header {
  position: relative;
  background: var(--navy); overflow: hidden;
  padding: 160px 0 88px;
}
/* The section used to be a flex container, which made .container a flex item.
   It then shrank to fit its content and centred, so the banner text did not
   line up with the sections below. */
.page-header .container { width: 100%; }
.page-header::before {
  content: ''; position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 80% 60% at 70% 40%, rgba(var(--red-rgb), 0.06), transparent),
    radial-gradient(ellipse 60% 80% at 20% 80%, rgba(var(--navy-light-rgb), 0.5), transparent),
    linear-gradient(180deg, rgba(var(--navy-rgb),0) 0%, rgba(var(--navy-rgb),0.3) 100%);
}
.page-header::after {
  content: ''; position: absolute; inset: 0;
  background-image:
    radial-gradient(1px 1px at 20% 30%, rgba(255,255,255,0.08), transparent),
    radial-gradient(1px 1px at 60% 70%, rgba(255,255,255,0.05), transparent),
    radial-gradient(1px 1px at 80% 20%, rgba(255,255,255,0.06), transparent);
  background-size: 250px 250px, 300px 300px, 200px 200px;
}
.page-header-grid {
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.015) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.015) 1px, transparent 1px);
  background-size: 80px 80px;
}
.page-header-pulse {
  position: absolute; right: 7%; top: 68%;
  transform: translateY(-50%); width: 400px; height: 400px;
}
.page-header-content {
  position: relative; z-index: 2;
  animation: fadeInUp 0.8s ease-out both;
}
.page-header h1 {
  font-family: 'Outfit', sans-serif;
  font-size: clamp(34px, 4.2vw, 52px); font-weight: 800;
  color: var(--white); line-height: 1.12; letter-spacing: -1.5px;
  max-width: 680px; margin-bottom: 20px;
}
.page-header h1 em {
  font-style: normal; color: var(--red-glow); position: relative;
}
.page-header h1 em::after {
  content: ''; position: absolute;
  bottom: 3px; left: 0; right: 0;
  height: 3px; background: var(--red);
  border-radius: 2px; opacity: 0.5;
}
.page-header-sub {
  font-size: 17px; color: rgba(255,255,255,0.5);
  max-width: 640px; line-height: 1.6;
}

/* ========== CONTACT PAGE ========== */
.contact-section {
  padding: 88px 0;
  background: var(--white);
  position: relative;
}
.contact-section::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gray-200), transparent);
}
.contact-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 64px;
  align-items: stretch;
}
.contact-form-wrap {
  background: var(--gray-100);
  border-radius: 20px;
  padding: 44px;
  border: 1px solid var(--gray-200);
}
.contact-form-header { margin-bottom: 32px; }
.contact-form-header h2 {
  font-family: 'Outfit', sans-serif;
  font-size: 28px; font-weight: 800;
  color: var(--text-dark); letter-spacing: -0.5px;
  margin-bottom: 8px;
}
.contact-form-header p { font-size: 15px; color: var(--gray-600); line-height: 1.6; }
.contact-field { margin-bottom: 20px; }
.contact-field label {
  display: block;
  font-family: 'Outfit', sans-serif; font-size: 13px;
  font-weight: 600; color: var(--text-dark);
  margin-bottom: 8px; letter-spacing: 0.3px;
}
.field-optional { font-weight: 400; color: var(--gray-400); }
.contact-field input,
.contact-field select,
.contact-field textarea {
  width: 100%; padding: 14px 16px; border-radius: 10px;
  border: 1px solid var(--gray-200); background: var(--white);
  font-family: 'DM Sans', sans-serif; font-size: 15px;
  color: var(--text-dark); transition: all var(--dur-quick);
  outline: none;
}
.contact-field input:focus,
.contact-field select:focus,
.contact-field textarea:focus {
  border-color: var(--red); background: var(--white);
  box-shadow: 0 0 0 3px rgba(var(--red-rgb), 0.08);
}
.contact-field input::placeholder,
.contact-field textarea::placeholder { color: var(--gray-400); }
.contact-field textarea { resize: vertical; min-height: 100px; }
.contact-field select {
  cursor: pointer; appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg width='12' height='8' viewBox='0 0 12 8' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1 1.5L6 6.5L11 1.5' stroke='%239BA3B5' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 16px center;
}
.contact-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.contact-submit {
  width: 100%; padding: 16px 32px; border-radius: 10px; border: none;
  background: var(--red); color: var(--white);
  font-family: 'Outfit', sans-serif; font-size: 16px; font-weight: 700;
  cursor: pointer; transition: all var(--dur-quick); margin-top: 4px;
  box-shadow: 0 4px 20px rgba(var(--red-rgb), 0.25);
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
}
.contact-submit:hover {
  background: var(--red-glow); transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(var(--red-rgb), 0.35);
}
.contact-submit svg { transition: transform var(--dur-quick); }
.contact-submit:hover svg { transform: translateX(4px); }
.contact-info {
  display: flex; flex-direction: column; gap: 20px;
  justify-content: space-between;
}
.contact-card {
  display: flex; gap: 20px; align-items: flex-start;
  padding: 28px;
  background: var(--gray-100);
  border-radius: 16px;
  border: 1px solid transparent;
  transition: all var(--dur-base) var(--ease);
}
.contact-card:hover {
  border-color: var(--gray-200);
  transform: translateY(-2px);
  box-shadow: var(--shadow-lift-sm);
}
.contact-card-icon {
  width: 52px; height: 52px; min-width: 52px;
  background: var(--white);
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 2px 12px rgba(0,0,0,0.04);
  transition: all var(--dur-base) var(--ease);
}
.contact-card-icon svg { color: var(--navy); transition: all 0.4s; }
.contact-card:hover .contact-card-icon {
  background: var(--navy);
  box-shadow: 0 4px 20px rgba(var(--navy-rgb),0.2);
}
.contact-card:hover .contact-card-icon svg { color: var(--white); }
.contact-card-body h3 {
  font-family: 'Outfit', sans-serif;
  font-size: 17px; font-weight: 700;
  color: var(--text-dark); margin-bottom: 6px;
}
.contact-card-body p { font-size: 14px; color: var(--gray-600); line-height: 1.6; margin-bottom: 12px; }
.contact-card-link {
  font-family: 'Outfit', sans-serif;
  font-size: 15px; font-weight: 600;
  color: var(--red); text-decoration: none;
  transition: color var(--dur-quick);
}
.contact-card-link:hover { color: var(--red-glow); }
.contact-card-detail {
  font-family: 'Outfit', sans-serif;
  font-size: 15px; font-weight: 600;
  color: var(--text-dark);
}
.contact-hours { display: flex; flex-direction: column; gap: 6px; }
.hours-row {
  display: flex; justify-content: space-between;
  padding: 8px 12px;
  background: var(--white);
  border-radius: 8px;
  font-size: 13px;
}
.hours-row span:first-child {
  font-family: 'Outfit', sans-serif;
  font-weight: 600; color: var(--text-dark);
}
.hours-row span:last-child { color: var(--gray-600); }

/* ========== FAQ ========== */
.faq-section { padding: 88px 0; background: var(--gray-100); }
.faq-header { text-align: center; margin-bottom: 52px; }
.faq-header .section-desc { margin: 0 auto; }
/* Used on the contact page, where the header links out to the FAQ page. */
.faq-header .btn { margin-top: 26px; }
.faq-grid {
  max-width: 800px; margin: 0 auto;
  display: flex; flex-direction: column; gap: 12px;
}
.faq-item {
  background: var(--white);
  border-radius: 14px;
  border: 1px solid var(--gray-200);
  overflow: hidden;
  transition: all var(--dur-quick) var(--ease);
}
.faq-item.open {
  border-color: rgba(var(--red-rgb), 0.2);
  box-shadow: 0 4px 20px rgba(0,0,0,0.04);
}
.faq-trigger {
  width: 100%;
  display: flex; justify-content: space-between; align-items: center;
  padding: 20px 24px;
  background: none; border: none;
  cursor: pointer;
  font-family: 'Outfit', sans-serif;
  font-size: 16px; font-weight: 600;
  color: var(--text-dark);
  text-align: left; gap: 16px;
  transition: color var(--dur-quick);
}
.faq-trigger:hover { color: var(--red); }
.faq-chevron {
  min-width: 20px; color: var(--gray-400);
  transition: transform var(--dur-quick) var(--ease), color var(--dur-quick);
}
.faq-item.open .faq-chevron { transform: rotate(180deg); color: var(--red); }
.faq-answer { overflow: hidden; height: 0; transition: height var(--dur-base) var(--ease); }
.faq-answer p {
  padding: 0 24px 20px;
  font-size: 15px; color: var(--gray-600);
  line-height: 1.7;
}

/* ========== ABOUT PAGE ========== */
.about-story {
  padding: 72px 0;
  background: var(--white);
  position: relative;
}
.about-story::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gray-200), transparent);
}
.about-story-grid {
  display: grid; grid-template-columns: 0.86fr 1.14fr;
  gap: 56px; align-items: start;
}
.about-story-image { position: sticky; top: 108px; }
.about-story-figure { position: relative; }
/* The buttons sit under the photo, so they ride the sticky column and stay in
   reach through a long bio. Clearance allows for the badge's overhang. */
.about-story-image .about-story-actions { margin-top: 28px; }
.about-story-frame {
  /* 3:4 is the photo's native ratio, so the frame no longer crops it. */
  width: 100%; aspect-ratio: 3/4;
  background: var(--gray-100); border-radius: 20px;
  overflow: hidden; position: relative;
}
.about-story-frame::before {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(180deg, transparent 60%, rgba(var(--navy-rgb),0.4));
  z-index: 1;
}
.about-story-content .section-title { margin-bottom: 4px; }
.about-story-role {
  font-size: 18px; color: var(--gray-600); margin-bottom: 8px;
}
.about-story-text { margin-top: 24px; }
.about-story-text p {
  font-size: 16px; color: var(--text-body); line-height: 1.7;
  margin-bottom: 14px;
}
.about-story-text p:last-child { margin-bottom: 0; }

@media (max-width: 1024px) {
  /* Stacked, the buttons belong after the bio rather than above his name.
     display: contents lifts them out of the column so they can be reordered. */
  .about-story-grid { display: flex; flex-direction: column; }
  .about-story-image { display: contents; }
  .about-story-figure { order: 1; }
  .about-story-content { order: 2; }
  .about-story-image .about-story-actions { order: 3; margin-top: 32px; }
}

/* Stats bar */
.stats-bar {
  padding: 56px 0;
  background: var(--navy);
  position: relative; overflow: hidden;
}
.stats-bar::before {
  content: ''; position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 50% 60% at 30% 50%, rgba(var(--red-rgb), 0.05), transparent),
    radial-gradient(ellipse 40% 40% at 80% 50%, rgba(var(--navy-light-rgb), 0.3), transparent);
}
.stats-grid {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 24px; position: relative; z-index: 1;
}
.stat-item { text-align: center; }
.stat-number {
  font-family: 'Outfit', sans-serif;
  font-size: clamp(36px, 4vw, 52px); font-weight: 800;
  color: var(--white); letter-spacing: -1px;
  line-height: 1;
}
.stat-label {
  font-family: 'Outfit', sans-serif;
  font-size: 13px; font-weight: 600;
  color: rgba(255,255,255,0.4);
  text-transform: uppercase; letter-spacing: 2px;
  margin-top: 8px;
}

/* Why section */
.why-section {
  padding: 88px 0;
  background: var(--white);
}
.why-header { text-align: center; margin-bottom: 52px; }
.why-header .section-desc { margin: 0 auto; }
.why-grid {
  display: grid; grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.why-card {
  background: var(--gray-100);
  border-radius: 16px;
  padding: 36px 32px;
  border: 1px solid transparent;
  transition: all var(--dur-base) var(--ease);
  position: relative;
}
.why-card:hover {
  transform: translateY(-4px);
  background: var(--white);
  border-color: var(--gray-200);
  box-shadow: var(--shadow-lift);
}
.why-card-number {
  font-family: 'Outfit', sans-serif;
  font-size: 48px; font-weight: 900;
  color: var(--white); letter-spacing: -2px;
  line-height: 1; margin-bottom: 16px;
  transition: color 0.4s;
}
.why-card:hover .why-card-number { color: rgba(var(--red-rgb), 0.1); }
.why-card h3 {
  font-family: 'Outfit', sans-serif;
  font-size: 19px; font-weight: 700;
  color: var(--text-dark); margin-bottom: 10px;
}
.why-card p {
  font-size: 14px; color: var(--gray-600); line-height: 1.65;
}
.why-footnote {
  margin-top: 32px; text-align: center;
  font-size: 14px; color: var(--gray-600); line-height: 1.6;
}
.why-footnote span { color: var(--gray-400); }

/* Credentials section */
.credentials-section {
  padding: 88px 0;
  background: var(--gray-100);
}
.credentials-header { margin-bottom: 40px; }
.credentials-grid {
  display: grid; grid-template-columns: 1.2fr 0.8fr;
  gap: 64px; align-items: stretch;
}
.credentials-list {
  display: flex; flex-direction: column;
  gap: 16px;
}
.credential-item {
  display: flex; gap: 16px; align-items: flex-start;
  padding: 20px;
  background: var(--white);
  border-radius: 12px;
  transition: all var(--dur-quick) var(--ease);
}
.credential-item:hover {
  background: var(--white);
  box-shadow: var(--shadow-lift-sm);
  transform: translateY(-2px);
}
.credential-icon {
  width: 40px; height: 40px; min-width: 40px;
  background: rgba(var(--red-rgb), 0.08);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
}
.credential-icon svg { color: var(--red); }
.credential-item h4 {
  font-family: 'Outfit', sans-serif;
  font-size: 15px; font-weight: 700;
  color: var(--text-dark); margin-bottom: 2px;
}
.credential-item p {
  font-size: 13px; color: var(--gray-600);
}
.credentials-visual { display: flex; justify-content: center; align-items: stretch; }
.credentials-card {
  background: var(--navy);
  border-radius: 20px;
  overflow: hidden;
  position: relative;
  max-width: 380px; width: 100%;
  display: flex; flex-direction: column;
}
.credentials-card-accent {
  height: 4px;
  background: linear-gradient(90deg, var(--red), var(--red-glow), var(--gold));
}
.credentials-card-inner {
  padding: 40px 32px;
  text-align: center;
  flex: 1;
  display: flex; flex-direction: column;
  align-items: center; justify-content: center;
}
.credentials-card-inner svg { margin-bottom: 20px; color: var(--gold); }
.credentials-card-inner h3 {
  font-family: 'Outfit', sans-serif;
  font-size: 20px; font-weight: 700;
  color: var(--white); margin-bottom: 12px;
}
.credentials-card-inner p {
  font-size: 14px; color: rgba(255,255,255,0.45);
  line-height: 1.65;
}

/* ========== LEARNING PAGE ========== */
.learning-featured {
  padding: 80px 0 0;
  background: var(--white);
  position: relative;
}
.learning-featured::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gray-200), transparent);
}
.featured-card {
  display: grid; grid-template-columns: 1.15fr 0.85fr;
  background: var(--gray-100); border-radius: 20px;
  overflow: hidden; text-decoration: none; color: inherit;
  border: 1px solid var(--gray-200);
  transition: all var(--dur-base) var(--ease);
}
.featured-card:hover {
  border-color: transparent;
  box-shadow: var(--shadow-lift);
}
.featured-card-img {
  position: relative; overflow: hidden;
}
.featured-card-img img {
  width: 100%; height: 100%; object-fit: cover;
  transition: transform var(--dur-slow) var(--ease);
}
.featured-card:hover .featured-card-img img { transform: scale(1.04); }
.featured-card-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(var(--navy-rgb),0.15) 0%, transparent 60%);
}
.featured-card-badge {
  position: absolute; top: 20px; left: 20px;
  padding: 6px 16px; border-radius: 100px;
  background: var(--red); color: var(--white);
  font-family: 'Outfit', sans-serif; font-size: 11px;
  font-weight: 700; text-transform: uppercase; letter-spacing: 1.5px;
}
.featured-card-body {
  padding: 44px 40px;
  display: flex; flex-direction: column; justify-content: center;
}
.featured-card-body .learning-tag { margin-bottom: 20px; }
.featured-card-body h2 {
  font-family: 'Outfit', sans-serif;
  font-size: clamp(24px, 2.5vw, 32px); font-weight: 800;
  color: var(--text-dark); letter-spacing: -0.5px;
  line-height: 1.2; margin-bottom: 16px;
}
.featured-card-body > p {
  font-size: 15px; color: var(--gray-600);
  line-height: 1.65; margin-bottom: 24px;
}
.featured-card-meta {
  display: flex; align-items: center; justify-content: space-between;
  padding-top: 20px;
  border-top: 1px solid var(--gray-200);
}
.featured-card-meta > span:first-child {
  font-size: 13px; color: var(--gray-400);
}
.featured-card-arrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: 'Outfit', sans-serif; font-size: 14px; font-weight: 600;
  color: var(--red);
}
.featured-card-arrow svg { transition: transform var(--dur-quick); }
.featured-card:hover .featured-card-arrow svg { transform: translateX(4px); }

/* Learning hub grid */
.learning-hub {
  padding: 48px 0 88px;
  background: var(--white);
}
.learning-filters {
  display: flex; gap: 8px;
  margin-bottom: 40px;
  flex-wrap: wrap;
}
.filter-btn {
  padding: 10px 24px; border-radius: 100px;
  border: 1px solid var(--gray-200); background: var(--white);
  font-family: 'Outfit', sans-serif; font-size: 13px; font-weight: 600;
  color: var(--gray-600); cursor: pointer;
  transition: all var(--dur-quick) var(--ease);
}
.filter-btn:hover {
  border-color: var(--gray-400); color: var(--text-dark);
}
.filter-btn.active {
  background: var(--navy); border-color: var(--navy);
  color: var(--white);
}
.learning-hub-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
}
.learning-hub-grid .learning-card.hidden {
  display: none;
}
@keyframes filterIn {
  from { opacity: 0; transform: translateY(12px) scale(0.97); }
  to { opacity: 1; transform: translateY(0) scale(1); }
}
.learning-hub-grid .learning-card.filter-in {
  animation: filterIn 0.35s ease-out both;
}

/* ========== SERVICES PAGE ========== */
.service-detail-benefits {
  list-style: none; display: flex; flex-direction: column; gap: 10px;
  margin: 16px 0; padding: 0;
}
.service-detail-benefits li {
  display: flex; align-items: flex-start; gap: 10px;
  font-size: 13px; color: var(--text-body); line-height: 1.5;
}
.service-detail-benefits li svg { min-width: 18px; margin-top: 1px; color: var(--red-glow); }

/* ========== RESPONSIVE ========== */
@media (max-width: 1024px) {
  .serve-grid { grid-template-columns: repeat(2, 1fr); }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .about-inner { grid-template-columns: 1fr; gap: 60px; }
  .about-image { max-width: 500px; }
  .hero-pulse { display: none; }
  .cta-footer-pulse { display: none; }
  .learning-grid { grid-template-columns: repeat(2, 1fr); }
  .contact-grid { grid-template-columns: 1fr; gap: 48px; }
  .page-header-pulse { display: none; }
  .about-story-grid { grid-template-columns: 1fr; gap: 48px; }
  .about-story-image { max-width: 500px; }
  .credentials-grid { grid-template-columns: 1fr; gap: 48px; }
  .featured-card { grid-template-columns: 1fr; }
  .featured-card-img { aspect-ratio: 16/8; }
  .learning-hub-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .nav-inner { display: flex; justify-content: space-between; height: 72px; }
  .nav-logo img { height: 34px; }
  .nav-links { display: none; }
  .nav-cta-wrap .nav-cta { display: none; }
  .mobile-toggle { display: flex; }
  .mobile-menu { top: 72px; }
  .hero { min-height: auto; }
  .hero-content { padding: 120px 24px 72px; }
  .hero h1 { letter-spacing: -1px; }
  .hero-sub { font-size: 16px; margin-bottom: 32px; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { justify-content: center; }
  .btn { padding: 14px 28px; font-size: 15px; }
  .serve { padding: 64px 0; }
  .serve-grid { grid-template-columns: 1fr 1fr; }
  .services { padding: 64px 0; }
  .services-grid { grid-template-columns: 1fr; }
  .about { padding: 64px 0; }
  .process { padding: 64px 0; }
  .learning { padding: 64px 0; }
  .learning-grid {
    display: flex; overflow-x: auto; scroll-snap-type: x mandatory;
    -webkit-overflow-scrolling: touch; gap: 16px;
    padding-bottom: 4px; scrollbar-width: none;
  }
  .learning-grid::-webkit-scrollbar { display: none; }
  .learning-card {
    min-width: 280px; max-width: 300px; flex-shrink: 0;
    scroll-snap-align: center;
    transition: none; transform: none;
  }
  .learning-card:hover {
    transform: none; box-shadow: none;
  }
  .learning-card:hover .learning-card-img img { transform: none; }
  .learning-card:hover .learning-card-footer svg { transform: none; }
  .learning-dots { display: flex; }
  .learning-header { flex-direction: column; align-items: flex-start; }
  .process-step { gap: 24px; }
  .cta { padding: 64px 0; }
  .cta-actions { flex-direction: column; align-items: center; }
  .cta-actions .btn { width: 100%; justify-content: center; }
  .footer-inner { flex-direction: column; }
  .footer-links { gap: 40px; flex-wrap: wrap; }
  .footer-bottom { flex-direction: column; }
  .cta-contact { flex-direction: column; align-items: center; gap: 20px; }
  .about-image-badge { right: 10px; bottom: -10px; }
  .lender-logos { grid-template-columns: repeat(4, 1fr); gap: 24px 0; }
  .section-desc { font-size: 16px; }
  /* The overlay scrolls, not the panel: a nested scroller mis-positions the
     focused field once the on-screen keyboard opens. margin auto still
     centres the modal whenever it does fit. */
  .modal-overlay { padding: 16px; align-items: flex-start; overflow-y: auto; }
  .modal { max-height: none; margin: auto; }
  .modal-row { grid-template-columns: 1fr; gap: 0; }
  .modal-header { padding: 24px 20px 20px; }
  .modal-header h3 { font-size: 21px; }
  .modal-body { padding: 22px 20px 26px; }
  .modal-field { margin-bottom: 16px; }
  .modal-close { top: 16px; right: 16px; }
  /* 16px is the threshold below which iOS Safari zooms a focused field. */
  .modal-field input, .modal-field select, .modal-field textarea,
  .contact-field input, .contact-field select, .contact-field textarea { font-size: 16px; }
  .page-header { padding: 120px 0 64px; }
  .page-header h1 { letter-spacing: -1px; }
  .page-header-sub { font-size: 16px; }
  .contact-section { padding: 56px 0; }
  .contact-form-wrap { padding: 28px 24px; }
  .contact-row { grid-template-columns: 1fr; gap: 0; }
  .faq-section { padding: 56px 0; }
  .faq-trigger { font-size: 15px; padding: 18px 20px; }
  .faq-answer p { padding: 0 20px 18px; font-size: 14px; }
  .about-story { padding: 64px 0; }
  .about-story-grid { gap: 40px; }
  .stats-bar { padding: 40px 0; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 32px; }
  .why-section { padding: 64px 0; }
  .why-grid { grid-template-columns: 1fr; }
  .credentials-section { padding: 64px 0; }
  .learning-featured { padding: 56px 0 0; }
  .featured-card-body { padding: 28px 24px; }
  .featured-card-body h2 { font-size: 22px; }
  .learning-hub { padding: 40px 0 64px; }
  .learning-hub-grid { grid-template-columns: 1fr; }
  .learning-hub-grid .learning-card {
    min-width: 0; max-width: none; flex-shrink: 1;
  }
}
@media (max-width: 480px) {
  .serve-grid { grid-template-columns: 1fr; }
  .lender-logos { grid-template-columns: repeat(2, 1fr); gap: 20px 0; }
  .hero-badge span { font-size: 11px; letter-spacing: 1px; }
  .about-image-badge { padding: 18px; right: 10px; bottom: -10px; }
  .about-image-badge h4 { font-size: 26px; }
  .contact-card { flex-direction: column; gap: 16px; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
}
/* ========== FORM STATUS + HONEYPOT ========== */
/* Hidden from people, visible to bots. Anything typed here is rejected. */
.hp-field {
  position: absolute !important;
  left: -9999px; width: 1px; height: 1px;
  overflow: hidden;
}
.form-status {
  margin-top: 16px;
  font-size: 14px; line-height: 1.55;
}
.form-status:empty { display: none; }
.form-status.is-ok { color: var(--success); }
.form-status.is-error { color: var(--red); }

/* ========== HERO VIDEO BACKDROP ========== */
/* The brand video sits behind the right of the hero. A left-to-right fade
   keeps the headline fully legible while the footage stays visible.
   The colour treatment is applied to the footage layers only - filtering the
   container would tint its backdrop too and leave a hard vertical seam. */
.hero-media {
  position: absolute; inset: 0 0 0 auto; z-index: 0;
  width: 72%; overflow: hidden;
}
.hero-media::before {
  content: ""; position: absolute; inset: 0; z-index: 0;
  background: url("brand/video-poster.jpg") center/cover no-repeat;
  filter: grayscale(0.3) brightness(0.72) contrast(1.05);
}
.hero-media-inner {
  position: absolute; top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  z-index: 1;
  /* 16:9 box scaled to cover the panel, whichever dimension is binding */
  width: max(100%, 177.78vh);
  height: max(100%, 56.25vw);
  pointer-events: none;
  filter: grayscale(0.3) brightness(0.72) contrast(1.05);
}
.hero-media-inner iframe {
  position: absolute; inset: 0;
  width: 100%; height: 100%; border: 0;
  pointer-events: none;
}
.hero-media-fade {
  position: absolute; inset: 0; z-index: 2;
  background:
    linear-gradient(90deg,
      var(--navy) 0%,
      rgba(var(--navy-rgb), 0.99) 10%,
      rgba(var(--navy-rgb), 0.9) 26%,
      rgba(var(--navy-rgb), 0.62) 52%,
      rgba(var(--navy-rgb), 0.42) 78%,
      rgba(var(--navy-rgb), 0.38) 100%),
    linear-gradient(180deg,
      rgba(var(--navy-rgb), 0.8) 0%,
      transparent 24%,
      transparent 72%,
      rgba(var(--navy-rgb), 0.88) 100%);
}
@media (max-width: 1024px) {
  /* Poster only below desktop: the footage is unreadable at this width and
     the bandwidth is not worth it. */
  .hero-media { width: 100%; }
  .hero-media::before { filter: grayscale(0.4) brightness(0.5); }
  .hero-media-fade {
    background: linear-gradient(90deg,
      var(--navy) 0%, rgba(var(--navy-rgb), 0.92) 45%, rgba(var(--navy-rgb), 0.82) 100%);
  }
}
/* ========== ABOUT VIDEO TRIGGER ========== */
.video-trigger {
  display: block; width: 100%; padding: 0;
  border: none; cursor: pointer;
  position: relative; overflow: hidden;
  background: var(--navy-mid);
}
.video-trigger img {
  width: 100%; height: 100%;
  object-fit: cover; object-position: center top;
  display: block; transition: transform 0.7s ease, filter var(--dur-base) var(--ease);
}
.video-trigger:hover img { transform: scale(1.04); filter: brightness(0.82); }
.video-trigger-overlay {
  position: absolute; inset: 0; z-index: 2;
  display: flex; flex-direction: column;
  align-items: center; justify-content: flex-end; gap: 14px;
  padding-bottom: 34px;
  background: linear-gradient(180deg, rgba(var(--navy-rgb), 0) 35%, rgba(var(--navy-rgb), 0.72) 100%);
  transition: background var(--dur-base) var(--ease);
}
.video-trigger:hover .video-trigger-overlay { background: linear-gradient(180deg, rgba(var(--navy-rgb), 0.05) 25%, rgba(var(--navy-rgb), 0.8) 100%); }
.video-trigger-btn {
  position: relative;
  width: 72px; height: 72px; border-radius: 50%;
  background: var(--red); color: var(--white);
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 8px 30px rgba(var(--red-rgb), 0.5);
  transition: transform var(--dur-quick) var(--ease), background var(--dur-quick) var(--ease);
}
.video-trigger-btn svg { position: relative; z-index: 2; margin-left: 3px; }
.video-trigger:hover .video-trigger-btn { transform: scale(1.09); background: var(--red-glow); }
/* Ripples draw the eye to the play button without being noisy. */
.video-trigger-ripple {
  position: absolute; inset: 0; border-radius: 50%;
  border: 2px solid var(--red);
  animation: triggerRipple 2.8s ease-out infinite;
}
.video-trigger-ripple:nth-child(2) { animation-delay: 1.4s; }
@keyframes triggerRipple {
  0%   { transform: scale(1); opacity: 0.7; }
  100% { transform: scale(2.1); opacity: 0; }
}
.video-trigger-label {
  font-family: 'Outfit', sans-serif; font-size: 14px; font-weight: 600;
  color: var(--white); letter-spacing: 0.3px;
  display: flex; align-items: center; gap: 10px;
  text-shadow: 0 2px 12px rgba(0,0,0,0.5);
}
.video-trigger:focus-visible { outline: 3px solid var(--red-glow); outline-offset: 4px; }

/* ========== VIDEO LIGHTBOX ========== */
.video-lightbox {
  position: fixed; inset: 0; z-index: 2500;
  background: rgba(var(--navy-rgb), 0.94);
  backdrop-filter: blur(10px);
  display: flex; align-items: center; justify-content: center;
  padding: 24px;
  opacity: 0; visibility: hidden;
  transition: opacity var(--dur-quick) var(--ease), visibility var(--dur-quick) var(--ease);
}
.video-lightbox.active { opacity: 1; visibility: visible; }
.video-lightbox-stage {
  width: 100%; max-width: 980px;
  aspect-ratio: 16 / 9;
  border-radius: 16px; overflow: hidden;
  background: #000;
  box-shadow: 0 30px 90px rgba(0,0,0,0.5);
  transform: scale(0.96);
  transition: transform var(--dur-base) var(--ease);
}
.video-lightbox.active .video-lightbox-stage { transform: scale(1); }
.video-lightbox-stage iframe { width: 100%; height: 100%; border: 0; display: block; }
.video-lightbox-close {
  position: absolute; top: 24px; right: 24px;
  width: 44px; height: 44px; border-radius: 50%;
  background: rgba(255,255,255,0.12); border: none; cursor: pointer;
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  transition: background var(--dur-quick) var(--ease);
}
.video-lightbox-close:hover { background: rgba(255,255,255,0.22); }
@media (max-width: 768px) {
  .video-lightbox { padding: 16px; }
  .video-lightbox-close { top: 12px; right: 12px; width: 38px; height: 38px; }
  .video-trigger-btn { width: 60px; height: 60px; }
  .video-trigger-label { font-size: 13px; }
}

/* ========== THE FOUR C's ========== */
/* These four are parallel problems, not a sequence, so a numbered list would
   misdescribe them. The shared initial is the real organising device. */
.why-cs .why-card {
  overflow: hidden;
  padding: 40px 32px 36px;
}
.why-card-mark {
  position: absolute; top: 24px; right: 26px;
  display: block;
  width: 104px;
  /* The chevron traced from the logo artwork, inline so it stays crisp and
     can be recoloured on hover. */
  color: rgba(var(--navy-rgb), 0.085);
  pointer-events: none; user-select: none;
  transition: color var(--dur-base) var(--ease), transform var(--dur-base) var(--ease);
}
.why-card-mark svg { display: block; width: 100%; height: auto; fill: currentColor; }
.why-cs .why-card:hover .why-card-mark {
  color: rgba(var(--red-rgb), 0.26);
  transform: translate(-4px, 3px) scale(1.06);
}
/* A rule that draws out from the heading on hover, picking up the movement
   of the pulse in the hero rather than sitting there as a static bar. */
.why-cs .why-card h3 {
  display: flex; align-items: center;
  position: relative; z-index: 1;
}
.why-cs .why-card h3::before {
  content: ""; flex: none;
  width: 0; height: 3px; margin-right: 0;
  background: var(--red); border-radius: 2px;
  transition: width var(--dur-base) var(--ease), margin-right var(--dur-base) var(--ease);
}
.why-cs .why-card:hover h3::before { width: 22px; margin-right: 12px; }
.why-cs .why-card p { position: relative; z-index: 1; padding-right: 42px; }

/* On a narrow card the mark is proportionally much larger, so it ran through
   the copy. Smaller, lighter and tucked higher on small screens. */
@media (max-width: 768px) {
  .why-card-mark { width: 66px; top: 16px; right: 16px; color: rgba(var(--navy-rgb), 0.07); }
  .why-cs .why-card { padding: 30px 24px 28px; }
  .why-cs .why-card p { padding-right: 0; }
}

/* ========== LEGAL PAGES ========== */
/* Long-form policy text. Narrow measure, generous leading, clear heading
   hierarchy - these get read carefully or skimmed for one section. */
.legal { padding: 88px 0; background: var(--white); position: relative; }
.legal::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gray-200), transparent);
}
.legal-inner { max-width: 760px; }
.legal-inner h3 {
  font-family: "Outfit", sans-serif;
  font-size: 20px; font-weight: 700;
  color: var(--text-dark); letter-spacing: -0.3px;
  margin: 40px 0 12px;
}
.legal-inner h3:first-child { margin-top: 0; }
.legal-inner p {
  font-size: 16px; line-height: 1.75;
  color: var(--text-body); margin-bottom: 16px;
}
.legal-inner ul {
  margin: 0 0 20px; padding-left: 22px;
  display: flex; flex-direction: column; gap: 8px;
}
.legal-inner li {
  font-size: 16px; line-height: 1.7; color: var(--text-body);
}
.legal-inner li::marker { color: var(--red); }
.legal-inner a {
  color: var(--red); text-decoration: none;
  border-bottom: 1px solid rgba(var(--red-rgb), 0.3);
  transition: border-color var(--dur-quick) var(--ease);
}
.legal-inner a:hover { border-bottom-color: var(--red); }
.legal-updated {
  margin-top: 40px; padding-top: 24px;
  border-top: 1px solid var(--gray-200);
  font-size: 14px; color: var(--gray-400);
}
@media (max-width: 768px) {
  .legal { padding: 56px 0; }
  .legal-inner h3 { font-size: 18px; margin-top: 32px; }
  .legal-inner p, .legal-inner li { font-size: 15px; }
}
/* Touch targets: footer links, socials and inline links all sat under 40px. */
@media (max-width: 768px) {
  .footer-col li { margin-bottom: 0; }
  .footer-col a { display: inline-block; padding: 12px 0; }
  .footer-socials a { width: 42px; height: 42px; }
  .cta-contact-item a { display: inline-block; padding: 13px 0; }
  .service-link { padding: 12px 0; }
  .contact-card-link { display: inline-block; padding: 12px 0; }
  /* Dismiss controls are the hardest thing to hit on a phone. */
  .modal-close, .video-lightbox-close { width: 44px; height: 44px; }
}

/* ========== REDUCED MOTION ========== */
/* One place covering the whole site: looping beacons, the hero entrance,
   scroll reveals, hover movement and the video backdrop. Colour and shadow
   changes still happen, they just stop moving. */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
  html { scroll-behavior: auto; }

  /* The accordion measures itself mid-transition, so it needs a real (short)
     duration or it never resolves to height:auto and stays collapsed. */
  .faq-answer { transition-duration: 0.15s !important; }

  /* Anything that animates in must not be left invisible. */
  .reveal { opacity: 1 !important; transform: none !important; }
  .hero-badge, .hero h1, .hero-sub, .hero-actions,
  .page-header-content { animation: none !important; opacity: 1 !important; }
  .learning-hub-grid .learning-card.filter-in { animation: none !important; }

  /* Ambient loops are removed rather than frozen part-way through. */
  .pulse-ring, .cta-footer-pulse .pulse-ring { display: none; }
  .hero-badge-dot, .pulse-center,
  .cta-footer-pulse .pulse-center { animation: none !important; }
  .video-trigger-ripple { animation: none !important; opacity: 0.35; }
  .hero-media-inner { display: none; }

  /* Hover feedback stays, movement does not. */
  .serve-card:hover, .why-card:hover, .service-card:hover,
  .learning-card:hover, .credential-item:hover, .contact-card:hover,
  .btn-primary:hover, .nav-cta:hover, .modal-submit:hover,
  .contact-submit:hover, .footer-socials a:hover,
  .featured-card:hover, .process-step:hover .step-marker,
  .why-cs .why-card:hover .why-card-mark,
  .video-trigger:hover .video-trigger-btn { transform: none !important; }
  .service-card:hover .service-card-img img,
  .learning-card:hover .learning-card-img img,
  .featured-card:hover .featured-card-img img,
  .video-trigger:hover img { transform: none !important; }
  .service-card:hover .service-link svg,
  .learning-card:hover .learning-card-footer svg,
  .learning-header-link:hover svg,
  .featured-card:hover .featured-card-arrow svg,
  .contact-submit:hover svg { transform: none !important; }
}

/* ========== COFFEE ON CODE 1 LANDING ========== */
/* The brand video straddles the banner: the navy section carries enough bottom
   padding for the video to sit half over it and half over the white below. */
.coffee-hero { padding: 150px 0 260px; }
.coffee-hero-content { text-align: center; }
.coffee-hero-content .hero-badge { margin-left: auto; margin-right: auto; }
.coffee-hero h1 { max-width: none; margin-left: auto; margin-right: auto; }
.coffee-hero .page-header-sub { max-width: 560px; margin: 0 auto; }

.coffee-video { background: var(--white); padding: 0 0 88px; }
.coffee-video-frame {
  max-width: 880px; margin: -250px auto 0;
  position: relative; z-index: 3;
}
.video-trigger--wide {
  aspect-ratio: 16 / 9;
  border-radius: 20px;
  box-shadow: 0 30px 80px rgba(var(--navy-rgb), 0.4);
}
.video-trigger--wide img { object-position: center; }

.coffee-intro { max-width: 720px; margin: 64px auto 0; text-align: center; }
.coffee-intro .section-desc { margin: 0 auto 16px; }
.coffee-intro .section-desc:last-child { margin-bottom: 0; }

.coffee-options { padding: 88px 0; background: var(--gray-100); }
.coffee-why { padding: 88px 0; background: var(--white); }
.coffee-next { padding: 88px 0; background: var(--gray-100); }

.coffee-grid { display: grid; gap: 20px; }
.coffee-grid--three { grid-template-columns: repeat(3, 1fr); }
.coffee-grid--four { grid-template-columns: repeat(4, 1fr); }
.coffee-options .serve-card { background: var(--white); }
.coffee-options .serve-card:hover { background: var(--white); }

.coffee-disclaimer {
  margin-top: 28px; text-align: center;
  font-size: 13px; color: var(--gray-400);
}

.coffee-move {
  background: var(--white); border-radius: 16px;
  padding: 30px 28px; border: 1px solid transparent;
  transition: transform var(--dur-base) var(--ease), box-shadow var(--dur-base) var(--ease), border-color var(--dur-base) var(--ease);
}
.coffee-move:hover {
  transform: translateY(-4px);
  border-color: var(--gray-200);
  box-shadow: var(--shadow-lift);
}
.coffee-move h3 {
  font-family: 'Outfit', sans-serif;
  font-size: 18px; font-weight: 700;
  color: var(--text-dark); margin-bottom: 8px;
}
.coffee-move p { font-size: 14px; color: var(--gray-600); line-height: 1.6; }

.coffee-form-section { padding: 88px 0; background: var(--white); }
.coffee-form-wrap {
  max-width: 720px; margin: 0 auto;
  background: var(--gray-100); border: 1px solid var(--gray-200);
  border-radius: 20px; padding: 44px;
}
.coffee-form-wrap .contact-form-header h2 {
  font-family: 'Outfit', sans-serif;
  font-size: 26px; font-weight: 800;
  color: var(--text-dark); letter-spacing: -0.5px;
  margin-bottom: 8px;
}
.coffee-form-wrap .contact-field input,
.coffee-form-wrap .contact-field select { background: var(--white); }
.coffee-form-note {
  margin-top: 16px; text-align: center;
  font-size: 14px; color: var(--gray-600); line-height: 1.6;
}

/* Business-card landing page. The section above it is white, so this one goes
   grey and the card flips to white to keep the alternation going. */
.hello-form-section { background: var(--gray-100); }
.hello-form-section .coffee-form-wrap { background: var(--white); }
.hello-form-section .coffee-form-wrap .contact-field input,
.hello-form-section .coffee-form-wrap .contact-field select { background: var(--gray-100); }

/* Moved out of an inline style attribute on the About page. */
.about-story-frame img {
  width: 100%; height: 100%;
  object-fit: cover; object-position: center top;
}
.about-story-actions {
  margin-top: 36px; display: flex;
  gap: 16px; flex-wrap: wrap;
}
/* Outline button for light backgrounds. The default .btn-outline is white-on-navy. */
.btn-outline-dark {
  background: transparent; color: var(--text-dark);
  border: 1px solid var(--gray-200);
}
.btn-outline-dark:hover {
  border-color: var(--gray-400);
  background: var(--gray-100);
}
.coffee-intro-actions {
  display: flex; gap: 16px; justify-content: center;
  flex-wrap: wrap; margin-top: 34px;
}
.coffee-note { font-size: 16px; color: var(--gray-600); }
@media (max-width: 768px) {
  .coffee-intro-actions { flex-direction: column; }
  .coffee-intro-actions .btn { justify-content: center; }
}
@media (max-width: 1024px) {
  .coffee-grid--three,
  .coffee-grid--four { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  /* Smaller video means a smaller overlap, or it swallows the heading. */
  .coffee-hero { padding: 110px 0 130px; }
  .coffee-video { padding-bottom: 56px; }
  .coffee-video-frame { margin-top: -120px; }
  .video-trigger--wide { border-radius: 14px; }
  .coffee-intro { margin-top: 40px; }
  .coffee-options, .coffee-why, .coffee-next, .coffee-form-section { padding: 56px 0; }
  .coffee-grid--three,
  .coffee-grid--four { grid-template-columns: 1fr; }
  .coffee-form-wrap { padding: 28px 24px; }
}