/* Premier Private Finance — Theme Styles */

:root{
  --navy:#1B3872;--navy-mid:#2A4D8C;--navy-tint:#EEF3FA;
  --blue:#00AEEF;--blue-mid:#29B8F0;--blue-tint:#EBF7FD;
  --white:#FFFFFF;--off:#F7FAFE;--border:#D5E4EF;
  --text:#1B3872;--muted:#5B7499;
  --r-pill:7px;--r-card:20px;--r-sm:10px;
  --sh-soft:0 4px 24px rgba(27,56,114,.06);
  --sh-hover:0 10px 40px rgba(27,56,114,.11);
  --max:1180px;--gutter:clamp(20px,5vw,40px);
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Mulish',sans-serif;color:var(--text);background:var(--white);line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit}
button{font-family:inherit;cursor:pointer}
.wrap{max-width:var(--max);margin:0 auto;padding:0 var(--gutter)}
h1,h2,h3,h4{font-family:'Mulish',sans-serif;line-height:1.22;color:var(--navy);font-weight:700}
h1{font-weight:800}
.btn{display:inline-flex;align-items:center;gap:8px;font-family:'Mulish',sans-serif;font-size:.84rem;font-weight:600;letter-spacing:.03em;text-decoration:none;border:none;padding:13px 28px;border-radius:var(--r-pill);transition:all .18s ease;white-space:nowrap;line-height:1;cursor:pointer}
.btn-gold{background:var(--blue);color:var(--navy)}
.btn-gold:hover{background:var(--blue-mid);transform:translateY(-1px);box-shadow:0 6px 20px rgba(0,174,239,.35)}
.btn-ghost{background:transparent;color:var(--navy);border:1.5px solid var(--border)}
.btn-ghost:hover{border-color:var(--navy);background:var(--navy-tint)}
.btn-navy{background:var(--navy);color:var(--white)}
.btn-navy:hover{background:var(--navy-mid);transform:translateY(-1px)}
.btn-white-outline{background:transparent;color:var(--white);border:1.5px solid rgba(255,255,255,.4)}
.btn-white-outline:hover{border-color:var(--white);background:rgba(255,255,255,.08)}
.btn-lg{padding:16px 36px;font-size:.92rem}
.eyebrow{display:block;font-family:'Mulish',sans-serif;font-size:.7rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase;color:var(--blue);margin-bottom:14px;line-height:1}
.eyebrow::before{content:'';display:inline-block;width:24px;height:2px;background:var(--blue);vertical-align:middle;margin-right:9px;border-radius:1px}
.section-label{text-align:center;margin-bottom:clamp(24px,4vw,40px)}
.section-label .eyebrow{display:inline-block}
.section-label h2{font-size:clamp(1.9rem,3.2vw,2.6rem);margin-bottom:12px}
.section-label h2 em{color:var(--blue);font-style:italic}
.section-label p{color:var(--muted);font-size:.97rem;line-height:1.72;max-width:540px;margin:0 auto}
.risk-bar{background:var(--blue-tint);border-bottom:1px solid rgba(0,174,239,.35);text-align:center;padding:8px 20px;font-size:.73rem;font-weight:600;color:var(--navy);letter-spacing:.04em}
.site-header{background:var(--white);position:sticky;top:0;z-index:100;border-bottom:1px solid var(--border);box-shadow:0 1px 12px rgba(27,56,114,.05)}
.header-inner{max-width:var(--max);margin:0 auto;padding:0 var(--gutter);height:116px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.logo-link{display:flex;align-items:center;flex-shrink:0;text-decoration:none}
.logo-link img{height:78px;width:auto;object-fit:contain}
.main-nav{list-style:none;display:flex;gap:0;align-items:center}
.main-nav a{display:block;text-decoration:none;color:var(--text);font-size:.81rem;font-weight:500;padding:7px 12px;border-radius:8px;transition:background .15s,color .15s}
.main-nav a:hover,.main-nav a.active{background:var(--navy-tint);color:var(--navy);font-weight:600}
.header-right{display:flex;align-items:center;gap:12px;flex-shrink:0}
.header-phone{display:flex;align-items:center;gap:7px;text-decoration:none;color:var(--navy);font-size:.85rem;font-weight:600}
.phone-dot{width:8px;height:8px;border-radius:50%;background:var(--blue)}
.hamburger{display:none;background:none;border:1.5px solid var(--border);border-radius:8px;padding:7px;color:var(--navy)}
.mobile-nav{display:none;position:fixed;inset:0;background:var(--navy);z-index:200;padding:28px var(--gutter);flex-direction:column;overflow-y:auto}
.mobile-nav.open{display:flex}
.mobile-nav-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:36px}
.mobile-nav-close{background:rgba(255,255,255,.12);border:none;border-radius:8px;padding:9px;color:var(--white)}
.mobile-nav ul{list-style:none}
.mobile-nav ul li{border-bottom:1px solid rgba(255,255,255,.09)}
.mobile-nav ul a{display:block;color:rgba(255,255,255,.82);text-decoration:none;font-size:1.1rem;font-weight:500;padding:15px 4px;transition:color .15s}
.mobile-nav ul a:hover,.mobile-nav ul a.active{color:var(--blue)}
.mobile-cta{margin-top:32px}
.page-hero{background:linear-gradient(135deg,var(--off) 0%,var(--blue-tint) 50%,var(--navy-tint) 100%);padding:clamp(30px,4vw,48px) var(--gutter);text-align:center;position:relative}
.page-hero h1{font-size:clamp(2rem,4vw,3rem);margin-bottom:14px}
.page-hero h1 em{color:var(--blue);font-style:italic}
.page-hero p{color:var(--muted);font-size:1.02rem;line-height:1.72;max-width:560px;margin:0 auto}
footer{background:#0D1E3E;color:rgba(255,255,255,.55)}
.footer-top{max-width:var(--max);margin:0 auto;padding:clamp(32px,4vw,48px) var(--gutter) 48px;display:flex;flex-wrap:wrap;gap:40px;border-bottom:1px solid rgba(255,255,255,.07);align-items:flex-start}
.footer-brand-col{flex:2 1 300px;min-width:280px}
.footer-col{flex:1 1 160px;min-width:150px}
.footer-logo img{height:36px;width:auto;filter:brightness(0) invert(1);opacity:.8;margin-bottom:16px}
.footer-desc{font-size:.81rem;color:rgba(255,255,255,.42);line-height:1.72;margin-bottom:20px}
.footer-socials{display:flex;gap:8px}
.social-a{width:34px;height:34px;background:rgba(255,255,255,.07);border-radius:8px;display:flex;align-items:center;justify-content:center;color:rgba(255,255,255,.45);text-decoration:none;transition:background .15s,color .15s}
.social-a:hover{background:var(--blue);color:var(--navy)}
.footer-col h4{color:var(--white);font-family:'Mulish',sans-serif;font-size:.76rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;margin-bottom:18px}
.footer-col ul{list-style:none;display:flex;flex-direction:column;gap:9px}
.footer-col ul a{font-size:.81rem;color:rgba(255,255,255,.42);text-decoration:none;transition:color .15s}
.footer-col ul a:hover{color:var(--blue)}
.f-row{display:flex;gap:9px;align-items:flex-start;font-size:.81rem;color:rgba(255,255,255,.42);margin-bottom:10px;line-height:1.5}
.f-row svg{color:var(--blue);flex-shrink:0;margin-top:2px}
.f-row a{color:rgba(255,255,255,.42);text-decoration:none}
.f-row a:hover{color:var(--blue)}
.fca-block{max-width:var(--max);margin:0 auto;padding:28px var(--gutter) 0}
.fca-box{background:rgba(0,174,239,.09);border:1px solid rgba(0,174,239,.25);border-radius:10px;padding:14px 20px;text-align:center;color:rgba(255,255,255,.7);font-size:.77rem;font-weight:600;letter-spacing:.03em;line-height:1.5;margin-bottom:18px}
.fca-p{font-size:.73rem;color:rgba(255,255,255,.35);line-height:1.76;margin-bottom:8px}
.fca-p a{color:rgba(255,255,255,.5);text-decoration:underline;text-underline-offset:2px}
.fca-p a:hover{color:var(--blue)}
.footer-bar{max-width:var(--max);margin:0 auto;padding:18px var(--gutter) 24px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:10px;border-top:1px solid rgba(255,255,255,.06)}
.footer-copy{font-size:.72rem;color:rgba(255,255,255,.28)}
.footer-links{display:flex;gap:18px}
.footer-links a{font-size:.72rem;color:rgba(255,255,255,.3);text-decoration:none;transition:color .15s}
.footer-links a:hover{color:var(--blue)}
.cta-section{background:var(--navy);padding:clamp(36px,5vw,56px) var(--gutter);position:relative;overflow:hidden}
.cta-glow{position:absolute;inset:0;background:radial-gradient(ellipse 60% 60% at 50% 100%,rgba(0,174,239,.13),transparent 65%);pointer-events:none}
.cta-inner{max-width:800px;margin:0 auto;text-align:center;position:relative;z-index:1;padding-top:20px}
.cta-inner h2{font-size:clamp(1.8rem,3.2vw,2.5rem);color:var(--white);margin-bottom:14px}
.cta-inner p{color:rgba(255,255,255,.62);font-size:.99rem;line-height:1.68;margin-bottom:36px}
.cta-btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
@media(max-width:768px){.main-nav,.header-phone{display:none}.hamburger{display:block}.cta-btns{flex-direction:column;align-items:center}.header-inner{height:88px}.logo-link img{height:58px}}
@media(prefers-reduced-motion:reduce){*,*::before,*::after{transition:none!important;animation:none!important}}
.hero{background:linear-gradient(135deg,var(--off) 0%,var(--blue-tint) 60%,var(--navy-tint) 100%);padding:clamp(44px,6vw,64px) var(--gutter) 0;position:relative;overflow:hidden}
.hero-inner{max-width:var(--max);margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;padding-bottom:clamp(44px,6vw,64px)}
.hero-eyebrow{display:block;font-family:'Mulish',sans-serif;font-size:.7rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase;color:var(--navy);margin-bottom:22px;line-height:1}
.hero-eyebrow::before{content:'';display:inline-block;width:24px;height:2px;background:var(--blue);vertical-align:middle;margin-right:9px;border-radius:1px}
50%{opacity:.4;transform:scale(.7)}
.hero h1{font-size:clamp(2.3rem,4.5vw,3.6rem);line-height:1.13;margin-bottom:18px}
.hero h1 em{color:var(--blue);font-style:italic}
.hero-lead{color:var(--muted);font-size:1.05rem;line-height:1.76;margin-bottom:32px;max-width:460px}
.hero-btns{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:40px}
.hero-trust{display:flex;gap:20px;flex-wrap:wrap}
.trust-chip{display:flex;align-items:center;gap:7px;color:var(--muted);font-size:.78rem;font-weight:500}
.trust-tick{width:20px;height:20px;border-radius:50%;background:var(--blue-tint);display:flex;align-items:center;justify-content:center;color:var(--blue);flex-shrink:0}
.hero-visual{position:relative;display:flex;align-items:flex-end;justify-content:center}
.hero-photo{border-radius:16px;overflow:hidden;box-shadow:var(--sh-hover);aspect-ratio:5/4}
.hero-photo img{width:100%;height:100%;object-fit:cover;display:block}
.stats-bar{background:var(--navy);padding:clamp(36px,5vw,52px) var(--gutter)}
.stats-grid{max-width:var(--max);margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr)}
.stat-item{text-align:center;padding:0 24px;border-right:1px solid rgba(255,255,255,.1)}
.stat-item:last-child{border-right:none}
.stat-num{font-family:'Mulish',sans-serif;font-size:clamp(2rem,3.5vw,2.8rem);color:var(--blue);line-height:1;margin-bottom:6px}
.stat-desc{color:rgba(255,255,255,.55);font-size:.8rem;line-height:1.45}
.services{background:var(--white);padding:clamp(36px,5vw,56px) var(--gutter)}
.svc-grid{max-width:var(--max);margin:0 auto;display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.svc-card{background:var(--white);border:1.5px solid var(--border);border-radius:var(--r-card);padding:28px 20px 22px;text-decoration:none;display:flex;flex-direction:column;box-shadow:var(--sh-soft);transition:all .22s ease}
.svc-card:hover{border-color:var(--blue);transform:translateY(-5px);box-shadow:var(--sh-hover)}
.svc-icon{width:52px;height:52px;border-radius:14px;background:var(--blue-tint);display:flex;align-items:center;justify-content:center;color:var(--blue);margin-bottom:16px;flex-shrink:0}
.svc-card h3{font-family:'Mulish',sans-serif;font-size:1.07rem;color:var(--navy);margin-bottom:8px}
.svc-card p{font-size:.81rem;color:var(--muted);line-height:1.58;flex:1}
.svc-more{display:inline-flex;align-items:center;gap:4px;color:var(--blue);font-size:.74rem;font-weight:600;text-transform:uppercase;letter-spacing:.05em;margin-top:14px}
.why{background:var(--navy-tint);padding:clamp(36px,5vw,56px) var(--gutter);position:relative}
.why-inner{max-width:var(--max);margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:center;position:relative;z-index:1}
.why-panel{background:var(--white);border-radius:var(--r-card);padding:44px;box-shadow:var(--sh-hover);position:relative;overflow:hidden}
.why-panel::before{content:'';position:absolute;top:-40px;right:-40px;width:200px;height:200px;border-radius:50%;background:radial-gradient(circle,rgba(0,174,239,.12),transparent 70%)}
.why-qm{display:block;width:3px;height:44px;background:var(--blue);border-radius:2px;margin-bottom:24px}
.why-quote{font-family:'Mulish',sans-serif;font-size:1.38rem;line-height:1.55;color:var(--navy);font-style:italic;margin-bottom:26px;position:relative;z-index:1}
.fca-chip{display:inline-flex;align-items:center;gap:7px;background:var(--navy-tint);color:var(--navy);font-size:.74rem;font-weight:600;padding:7px 14px;border-radius:6px;position:relative;z-index:1}
.why-head{font-size:clamp(1.7rem,2.8vw,2.4rem);margin-bottom:34px}
.why-head em{color:var(--blue);font-style:italic}
.feats{display:flex;flex-direction:column;gap:26px}
.feat{display:flex;gap:16px;align-items:flex-start}
.feat-ic{width:46px;height:46px;border-radius:13px;background:var(--blue-tint);display:flex;align-items:center;justify-content:center;color:var(--blue);flex-shrink:0}
.feat h4{font-family:'Mulish',sans-serif;font-size:1rem;color:var(--navy);margin-bottom:4px}
.feat p{font-size:.85rem;color:var(--muted);line-height:1.65}
.process{background:var(--white);padding:clamp(36px,5vw,56px) var(--gutter)}
.proc-grid{max-width:var(--max);margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr);gap:24px;position:relative}
.proc-grid::before{content:'';position:absolute;top:30px;left:calc(12.5% + 20px);right:calc(12.5% + 20px);height:2px;background:linear-gradient(to right,var(--blue-mid),var(--navy-tint));z-index:0}
.proc-step{position:relative;z-index:1;text-align:center;padding:0 10px}
.step-num{width:60px;height:60px;border-radius:50%;background:var(--white);border:2px solid var(--blue);display:flex;align-items:center;justify-content:center;font-family:'Mulish',sans-serif;font-size:1.3rem;color:var(--blue);margin:0 auto 20px;box-shadow:0 0 0 6px var(--blue-tint)}
.proc-step h4{font-family:'Mulish',sans-serif;font-size:1.02rem;color:var(--navy);margin-bottom:8px}
.proc-step p{font-size:.82rem;color:var(--muted);line-height:1.6}
.calculator{background:var(--navy-tint);padding:clamp(36px,5vw,56px) var(--gutter);position:relative}
.calc-inner{max-width:var(--max);margin:0 auto;display:grid;grid-template-columns:1fr 1.3fr;gap:60px;align-items:start;position:relative;z-index:1}
.calc-copy h2{font-size:clamp(1.7rem,2.6vw,2.3rem);margin-bottom:14px}
.calc-copy h2 em{color:var(--blue);font-style:italic}
.calc-copy p{color:var(--muted);font-size:.95rem;line-height:1.72;margin-bottom:26px}
.calc-risk{background:rgba(0,174,239,.1);border-left:3px solid var(--blue);border-radius:0 8px 8px 0;padding:12px 16px;color:var(--muted);font-size:.74rem;line-height:1.55;font-weight:500;margin-top:20px}
.calc-widget{background:var(--white);border-radius:var(--r-card);padding:36px;box-shadow:var(--sh-hover)}
.calc-tabs{display:flex;gap:4px;background:var(--off);border-radius:10px;padding:4px;margin-bottom:28px}
.calc-tab{flex:1;padding:10px 8px;background:transparent;color:var(--muted);font-family:'Mulish',sans-serif;font-size:.79rem;font-weight:600;border:none;border-radius:7px;transition:background .15s,color .15s}
.calc-tab.active{background:var(--white);color:var(--navy);box-shadow:var(--sh-soft)}
.calc-field{margin-bottom:14px}
.calc-field label{display:block;color:var(--muted);font-size:.76rem;font-weight:500;margin-bottom:6px}
.calc-row{display:flex;align-items:center;background:var(--off);border:1.5px solid var(--border);border-radius:12px;overflow:hidden;transition:border-color .15s}
.calc-row:focus-within{border-color:var(--blue)}
.calc-sym{padding:0 14px;height:46px;display:flex;align-items:center;color:var(--blue);font-weight:700;font-size:.9rem;border-right:1.5px solid var(--border);flex-shrink:0;min-width:42px;justify-content:center}
.calc-row input{flex:1;background:transparent;border:none;outline:none;color:var(--text);font-family:'Mulish',sans-serif;font-size:.95rem;font-weight:500;padding:0 14px;height:46px}
.calc-row input::placeholder{color:var(--border)}
.calc-result{background:var(--navy-tint);border-radius:14px;padding:18px 22px;display:flex;justify-content:space-between;align-items:center;margin-top:20px;gap:12px}
.calc-result-lbl{color:var(--muted);font-size:.8rem;line-height:1.4}
.calc-result-val{font-family:'Mulish',sans-serif;font-size:2rem;color:var(--navy);font-weight:400;white-space:nowrap}
.calc-note{color:var(--muted);font-size:.69rem;line-height:1.55;margin-top:12px}
.testimonials{background:var(--off);padding:clamp(36px,5vw,56px) var(--gutter)}
.testi-grid{max-width:var(--max);margin:0 auto;display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.testi-card{background:var(--white);border-radius:var(--r-card);border:1.5px solid var(--border);padding:34px 28px 28px;box-shadow:var(--sh-soft);transition:box-shadow .2s;display:flex;flex-direction:column}
.testi-card:hover{box-shadow:var(--sh-hover)}
.stars{display:flex;gap:3px;color:var(--blue);margin-bottom:16px}
.testi-text{font-size:.91rem;color:var(--text);line-height:1.72;font-style:italic;flex:1;margin-bottom:22px}
.testi-author{display:flex;align-items:center;gap:12px}
.author-av{width:40px;height:40px;border-radius:50%;background:var(--navy);display:flex;align-items:center;justify-content:center;color:var(--blue);font-family:'Mulish',sans-serif;font-size:1rem;flex-shrink:0}
.author-nm{font-weight:600;font-size:.84rem;color:var(--navy)}
.author-tag{font-size:.72rem;color:var(--muted);margin-top:1px}
@media(max-width:1100px){.hero-inner{grid-template-columns:1fr}.hero-visual{display:none}.why-inner{grid-template-columns:1fr;gap:44px}.calc-inner{grid-template-columns:1fr}.proc-grid{grid-template-columns:repeat(2,1fr)}.proc-grid::before{display:none}.stats-grid{grid-template-columns:repeat(2,1fr)}.stat-item{padding:16px;border-right:none;border-bottom:1px solid rgba(255,255,255,.1)}.stat-item:nth-child(odd){border-right:1px solid rgba(255,255,255,.1)}}
@media(max-width:900px){.svc-grid{grid-template-columns:repeat(3,1fr)}}
@media(max-width:640px){.svc-grid{grid-template-columns:repeat(2,1fr)}.testi-grid{grid-template-columns:1fr}.hero-btns{flex-direction:column;align-items:flex-start}.stats-grid{grid-template-columns:1fr}.stat-item{border-right:none}}
@media(max-width:420px){.svc-grid{grid-template-columns:1fr}}
.why-photo-card{position:relative;border-radius:16px;overflow:hidden;aspect-ratio:4/3;box-shadow:var(--sh-hover)}
.why-photo-card img{width:100%;height:100%;object-fit:cover;display:block}
.why-overlay{position:absolute;bottom:0;left:0;right:0;padding:22px 26px;
  background:linear-gradient(to top,rgba(27,56,114,.9) 0%,rgba(27,56,114,.45) 55%,transparent 100%)}
.why-caption{color:rgba(255,255,255,.84);font-size:.85rem;font-weight:500;margin-top:10px;line-height:1.5}
.svc-img{border-radius:10px;overflow:hidden;aspect-ratio:16/9;margin-bottom:20px}
.svc-img img{width:100%;height:100%;object-fit:cover;display:block}
.team{background:var(--off);padding:clamp(36px,5vw,56px) var(--gutter)}
.team-grid{max-width:var(--max);margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:24px}
.team-card{background:var(--white);border:1.5px solid var(--border);border-radius:var(--r-card);padding:32px;box-shadow:var(--sh-soft);display:flex;gap:22px;align-items:flex-start}
.team-av{width:70px;height:70px;border-radius:50%;background:var(--navy);display:flex;align-items:center;justify-content:center;font-size:1.6rem;font-weight:800;color:var(--white);flex-shrink:0;font-family:'Mulish',sans-serif}
.team-body h3{font-size:1.1rem;color:var(--navy);margin-bottom:3px}
.team-role{font-size:.78rem;font-weight:700;color:var(--blue);letter-spacing:.04em;text-transform:uppercase;margin-bottom:10px;display:block}
.team-bio{font-size:.83rem;color:var(--muted);line-height:1.7;margin-bottom:14px}
.team-li{display:inline-flex;align-items:center;gap:7px;font-size:.76rem;font-weight:600;color:var(--navy);text-decoration:none;border:1.5px solid var(--border);padding:5px 12px;border-radius:6px;transition:all .15s}
.team-li:hover{border-color:var(--blue);color:var(--blue)}
@media(max-width:680px){.team-grid{grid-template-columns:1fr}.team-card{flex-direction:column;gap:14px}}
.check-label input[type="checkbox"]{width:16px!important;min-width:16px!important;max-width:16px!important;height:16px!important;padding:0!important;flex-shrink:0!important}
.radio-label input[type="radio"]{width:16px!important;min-width:16px!important;max-width:16px!important;height:16px!important;padding:0!important;flex-shrink:0!important}
.check-label input[type=checkbox],.radio-label input[type=radio]{width:16px!important;min-width:16px!important;max-width:16px!important;height:16px!important;padding:0!important;flex-shrink:0!important}
.svc-nav{background:var(--white);border-bottom:1px solid var(--border);position:sticky;top:100px;z-index:50}
.svc-nav-inner{max-width:var(--max);margin:0 auto;padding:0 var(--gutter);display:flex;gap:0;overflow-x:auto;-webkit-overflow-scrolling:touch}
.svc-nav-inner::-webkit-scrollbar{display:none}
.svc-nav a{display:block;flex-shrink:0;padding:14px 20px;font-size:.82rem;font-weight:600;color:var(--muted);text-decoration:none;border-bottom:2px solid transparent;transition:color .15s,border-color .15s;white-space:nowrap}
.svc-nav a:hover,.svc-nav a.active{color:var(--navy);border-bottom-color:var(--blue)}
.svc-section{padding:clamp(36px,5vw,56px) var(--gutter);border-bottom:1px solid var(--border)}
.svc-section:nth-child(odd){background:var(--white)}
.svc-section:nth-child(even){background:var(--off)}
.svc-section:last-child{border-bottom:none}
.svc-sec-inner{max-width:var(--max);margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:start}
.svc-sec-inner.flip{direction:rtl}
.svc-sec-inner.flip > *{direction:ltr}
.svc-ic-big{width:80px;height:80px;border-radius:20px;background:var(--blue-tint);display:flex;align-items:center;justify-content:center;color:var(--blue);margin-bottom:24px;flex-shrink:0}
.svc-sec-inner h2{font-size:clamp(1.7rem,2.8vw,2.3rem);margin-bottom:16px}
.svc-sec-inner h2 em{color:var(--blue);font-style:italic}
.svc-sec-inner p{color:var(--muted);font-size:.95rem;line-height:1.75;margin-bottom:14px}
.svc-list{list-style:none;display:flex;flex-direction:column;gap:10px;margin:20px 0 28px}
.svc-list li{display:flex;align-items:flex-start;gap:10px;font-size:.88rem;color:var(--text);line-height:1.5}
.svc-list li::before{content:'';display:block;width:20px;height:20px;border-radius:50%;background:var(--blue-tint);flex-shrink:0;margin-top:1px;background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 20 20' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpolyline points='5,10 8,13 15,7' stroke='%2300AEEF' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");background-size:20px}
.svc-visual-card{background:var(--white);border:1.5px solid var(--border);border-radius:var(--r-card);padding:36px;box-shadow:var(--sh-hover)}
.svc-visual-card .eyebrow{display:block;font-family:'Mulish',sans-serif;font-size:.7rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase;color:var(--blue);margin-bottom:14px;line-height:1}
.svc-stat-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:20px}
.mini-stat{background:var(--navy-tint);border-radius:14px;padding:20px 18px;text-align:center}
.mini-stat-n{font-family:'Mulish',sans-serif;font-size:1.8rem;color:var(--navy);line-height:1}
.mini-stat-l{font-size:.75rem;color:var(--muted);margin-top:5px}
.svc-risk-note{background:rgba(0,174,239,.08);border:1px solid rgba(0,174,239,.2);border-radius:10px;padding:14px 18px;font-size:.77rem;color:var(--muted);line-height:1.6;margin-top:24px}
@media(max-width:900px){.svc-sec-inner{grid-template-columns:1fr;gap:36px}.svc-sec-inner.flip{direction:ltr}}
.quote-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:4px}
.quote-card{display:flex;flex-direction:column;align-items:center;gap:10px;text-align:center;background:var(--off);border:1.5px solid var(--border);border-radius:12px;padding:20px 14px;text-decoration:none;transition:all .18s ease}
.quote-card:hover{border-color:var(--blue);background:var(--blue-tint);transform:translateY(-2px)}
.quote-ic{width:46px;height:46px;border-radius:50%;background:var(--blue-tint);display:flex;align-items:center;justify-content:center;color:var(--blue);flex-shrink:0}
.quote-card:hover .quote-ic{background:var(--white)}
.quote-card span{font-size:.82rem;font-weight:600;color:var(--navy);line-height:1.3}
@media(max-width:480px){.quote-grid{grid-template-columns:1fr}}
.term-name{font-family:'Mulish',sans-serif;font-size:1rem;color:var(--navy);font-weight:400}
@media(max-width:640px){}
.jb-hero{background:linear-gradient(135deg,var(--off) 0%,var(--blue-tint) 50%,var(--navy-tint) 100%);text-align:center!important;
  padding:clamp(44px,6vw,72px) var(--gutter);text-align:center}
.jb-hero h1{font-size:clamp(2rem,4vw,3rem);margin-bottom:12px}
.jb-hero h1 em{color:var(--blue);font-style:italic}
.jb-hero p{color:var(--muted);font-size:.97rem;line-height:1.7;max-width:540px;margin:0 auto}
.jb-body{max-width:var(--max);margin:0 auto;
  padding:clamp(28px,4vw,48px) var(--gutter) clamp(36px,5vw,56px);
  display:grid;grid-template-columns:1fr 1fr;gap:0 52px}
.jbs{break-inside:avoid;margin-bottom:32px}
.jbs-head{font-size:1.5rem;font-weight:800;color:var(--blue);
  border-bottom:2px solid var(--blue);padding-bottom:6px;margin-bottom:0;line-height:1}
.jbs dl{margin:0}
.jbt{padding:14px 0;border-bottom:1px solid var(--border);display:grid;gap:5px}
.jbt:last-child{border-bottom:none}
.jbt dt{font-size:.88rem;font-weight:700;color:var(--navy);line-height:1.3;margin:0}
.jbt dd{font-size:.81rem;color:var(--muted);line-height:1.72;margin:0}
@media(max-width:700px){
  .jb-body{grid-template-columns:1fr}
  .jb-nav-inner a,
}
.contact-section{padding:clamp(30px,4vw,48px) var(--gutter)}
.contact-grid{max-width:var(--max);margin:0 auto;display:grid;grid-template-columns:1.1fr 1fr;gap:60px;align-items:start}
.form-card{background:var(--white);border:1.5px solid var(--border);border-radius:var(--r-card);padding:40px;box-shadow:var(--sh-hover)}
.form-card h2{font-size:clamp(1.5rem,2.5vw,2rem);margin-bottom:6px}
.form-card p{color:var(--muted);font-size:.9rem;line-height:1.65;margin-bottom:28px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form-field{display:flex;flex-direction:column;gap:6px;margin-bottom:14px}
.form-field label{font-size:.77rem;font-weight:600;color:var(--navy);letter-spacing:.02em}
.form-field input,.form-field select,.form-field textarea{font-family:'Mulish',sans-serif;font-size:.9rem;color:var(--text);background:var(--off);border:1.5px solid var(--border);border-radius:12px;padding:12px 16px;outline:none;transition:border-color .15s;width:100%;appearance:none}
.form-field input:focus,.form-field select:focus,.form-field textarea:focus{border-color:var(--blue);background:var(--white)}
.form-field textarea{resize:vertical;min-height:120px;line-height:1.6}
.form-field select{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 1l5 5 5-5' stroke='%236B7893' stroke-width='1.5' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;padding-right:36px}
.form-consent{font-size:.75rem;color:var(--muted);line-height:1.6;margin:16px 0}
.form-risk{background:var(--blue-tint);border:1px solid rgba(0,174,239,.3);border-radius:10px;padding:12px 16px;font-size:.74rem;color:var(--navy);line-height:1.6;font-weight:500;margin-bottom:20px}
.form-success{display:none;background:#EDF7ED;border:1.5px solid #4CAF50;border-radius:14px;padding:20px 24px;text-align:center;color:#2E7D32;margin-top:16px}
.form-success h3{font-family:'Mulish',sans-serif;font-size:1.2rem;margin-bottom:6px;color:#2E7D32}
.info-panel{display:flex;flex-direction:column;gap:20px}
.info-card{background:var(--white);border:1.5px solid var(--border);border-radius:var(--r-card);padding:28px;box-shadow:var(--sh-soft)}
.info-card h3{font-size:1.05rem;margin-bottom:16px}
.info-row{display:flex;align-items:flex-start;gap:12px;margin-bottom:12px}
.info-icon{width:38px;height:38px;border-radius:10px;background:var(--blue-tint);display:flex;align-items:center;justify-content:center;color:var(--blue);flex-shrink:0}
.info-row-text strong{display:block;font-size:.83rem;color:var(--navy);font-weight:600;margin-bottom:2px}
.info-row-text a,.info-row-text span{font-size:.83rem;color:var(--muted);text-decoration:none}
.info-row-text a:hover{color:var(--blue)}
.hours-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:4px}
.hour-row{font-size:.82rem;color:var(--muted)}
.hour-row strong{color:var(--navy)}
.fca-info-note{background:var(--navy-tint);border-radius:12px;padding:16px 20px}
.fca-info-note p{font-size:.76rem;color:var(--muted);line-height:1.7}
.contact-calc{background:var(--off);padding:clamp(56px,7vw,80px) var(--gutter)}
.calc-two{max-width:var(--max);margin:0 auto;display:grid;grid-template-columns:1fr 1.3fr;gap:60px;align-items:start}
.calc-two h2{font-size:clamp(1.6rem,2.5vw,2.2rem);margin-bottom:12px}
.calc-two h2 em{color:var(--blue);font-style:italic}
.calc-two p{color:var(--muted);font-size:.93rem;line-height:1.72;margin-bottom:24px}
@media(max-width:900px){.contact-grid{grid-template-columns:1fr}.calc-two{grid-template-columns:1fr}.form-row{grid-template-columns:1fr}}

/* Legal / policy pages */
.legal-section{background:var(--white);padding:clamp(36px,5vw,64px) var(--gutter)}
.legal-wrap{max-width:820px;margin:0 auto}
.legal-meta{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:28px;padding-bottom:20px;border-bottom:1px solid var(--border)}
.legal-meta span{font-size:.74rem;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:var(--blue);background:var(--blue-tint);border-radius:999px;padding:6px 13px}
.legal-body{color:var(--text);font-size:.94rem;line-height:1.75}
.legal-body h2{font-family:'Mulish',sans-serif;font-size:clamp(1.05rem,1.7vw,1.28rem);font-weight:700;color:var(--navy);line-height:1.35;margin:34px 0 12px;padding-top:20px;border-top:1px solid var(--border)}
.legal-body h2:first-child{margin-top:0;padding-top:0;border-top:none}
.legal-body h3{font-family:'Mulish',sans-serif;font-size:1rem;font-weight:700;color:var(--navy);margin:24px 0 10px}
.legal-body p{margin-bottom:14px}
.legal-body ul,.legal-body ol{margin:0 0 16px;padding-left:0;list-style:none}
.legal-body li{position:relative;padding-left:24px;margin-bottom:10px}
.legal-body ul li:before{content:"";position:absolute;left:6px;top:.62em;width:6px;height:6px;border-radius:50%;background:var(--blue)}
.legal-body ol{counter-reset:legal-c}
.legal-body ol li{counter-increment:legal-c}
.legal-body ol li:before{content:counter(legal-c) ".";position:absolute;left:0;top:0;color:var(--blue);font-weight:700;font-size:.85rem}
.legal-body strong{color:var(--navy);font-weight:700}
.legal-body em{font-style:italic}
.legal-body a{color:var(--blue);font-weight:600;text-decoration:underline;text-underline-offset:2px;word-break:break-word}
.legal-body a:hover{color:var(--navy)}
.legal-contact{background:var(--off);border:1px solid var(--border);border-left:3px solid var(--blue);border-radius:8px;padding:16px 18px;margin-bottom:16px}
.legal-footnote{margin-top:36px;padding-top:20px;border-top:1px solid var(--border)}
.legal-footnote p{font-size:.78rem;color:var(--muted);line-height:1.6;margin:0}
@media(max-width:600px){.legal-body{font-size:.9rem}}

/* ---- Sections whose markup lives in the theme templates ---- */

/* Stats bar (inside .stats-bar) */
.stats-inner{max-width:var(--max);margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr)}
.stat{text-align:center;padding:0 24px;border-right:1px solid rgba(255,255,255,.1)}
.stat:last-child{border-right:none}
.stat-label{color:rgba(255,255,255,.55);font-size:.8rem;line-height:1.45}

/* Centred section header */
.section-head{max-width:640px;margin:0 auto clamp(28px,4vw,44px);text-align:center}
.section-head .eyebrow{display:inline-block}
.section-head h2{font-size:clamp(1.7rem,2.8vw,2.3rem);color:var(--navy);line-height:1.25;margin-bottom:12px}
.section-head h2 em{color:var(--blue);font-style:italic}
.section-head p{color:var(--muted);font-size:.95rem;line-height:1.7}

/* Why us — visual side */
.why-visual{position:relative}
.why-photo{border-radius:var(--r-card);overflow:hidden;box-shadow:var(--sh-hover)}
.why-photo img{width:100%;height:100%;object-fit:cover;display:block}
.why-badge{position:absolute;left:24px;bottom:-26px;right:24px;background:var(--white);border:1.5px solid var(--border);border-radius:var(--r-sm);box-shadow:var(--sh-hover);padding:16px 18px;display:flex;gap:14px;align-items:flex-start}
.why-badge-ic{width:38px;height:38px;border-radius:50%;background:var(--blue-tint);color:var(--blue);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.why-badge strong{display:block;font-size:.82rem;font-weight:700;color:var(--navy);margin-bottom:3px}
.why-badge span{display:block;font-size:.76rem;color:var(--muted);line-height:1.5}

/* Why us — feature list */
.why-feats{display:flex;flex-direction:column;gap:22px;margin-top:26px}
.why-feat{display:flex;gap:16px;align-items:flex-start}
.why-feat-ic{width:30px;height:30px;border-radius:50%;background:var(--blue-tint);color:var(--blue);display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px}
.why-feat h4{font-size:.95rem;font-weight:700;color:var(--navy);margin-bottom:5px}
.why-feat p{font-size:.88rem;color:var(--muted);line-height:1.65}

/* Process */
.process-grid{max-width:var(--max);margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.process-step{background:var(--white);border:1.5px solid var(--border);border-radius:var(--r-card);padding:28px 22px;box-shadow:var(--sh-soft)}
.process-num{font-family:'Mulish',sans-serif;font-size:1.6rem;font-weight:800;color:var(--blue);line-height:1;margin-bottom:12px}
.process-step h4{font-size:.98rem;font-weight:700;color:var(--navy);margin-bottom:8px}
.process-step p{font-size:.87rem;color:var(--muted);line-height:1.65}

/* Testimonials */
.testi-stars{display:flex;gap:3px;color:var(--blue);margin-bottom:16px}
.testi-quote{font-size:.93rem;color:var(--text);line-height:1.75;margin-bottom:20px;flex:1}

/* Calculator wrapper */
.calc-wrap{max-width:var(--max);margin:0 auto;position:relative;z-index:1}

/* Contact — opening hours + CTA card */
.hours-row{display:flex;justify-content:space-between;gap:16px;padding:9px 0;border-bottom:1px solid var(--border)}
.hours-row:last-child{border-bottom:none}
.hours-day{font-size:.85rem;font-weight:600;color:var(--navy)}
.hours-time{font-size:.85rem;color:var(--muted);text-align:right}
.info-cta{background:var(--navy-tint);border-color:var(--blue-tint)}
.info-cta p{font-size:.87rem;color:var(--muted);line-height:1.65;margin-bottom:16px}

/* Line-break helper used by the editable heading parts */
.bd{display:block;content:""}

@media(max-width:900px){
  .stats-inner{grid-template-columns:repeat(2,1fr);gap:28px 0}
  .stat{border-right:none}
  .process-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:600px){
  .stats-inner{grid-template-columns:1fr;gap:24px}
  .process-grid{grid-template-columns:1fr}
  .why-badge{position:static;margin-top:16px;left:auto;right:auto;bottom:auto}
}