/* Retention Mortgage — Stage 1 design checkpoint
   Direction: architectural clarity. Navy stage, precise sans, fine rules. */

/* ---------- Tokens ---------- */
:root {
  --navy: #132551;
  --navy-deep: #0a1532;
  --blue: #0060eb;
  --blue-hover: #0052c9;
  --sky: #24a9ff;
  --cloud: #edeff7;
  --white: #ffffff;
  --ink: #132551;
  --ink-2: #47526e;          /* 7.4:1 on white */
  --ink-3: #5d6782;          /* 5.6:1 on white */
  --line: rgba(19, 37, 81, 0.12);
  --line-strong: rgba(19, 37, 81, 0.22);
  --on-dark: #ffffff;
  --on-dark-2: rgba(255, 255, 255, 0.78);
  --on-dark-line: rgba(255, 255, 255, 0.18);

  --font: "Helvetica Neue", Helvetica, Arial, system-ui, -apple-system, "Segoe UI", sans-serif;
  --font-display: "Plus Jakarta Sans", "Helvetica Neue", Helvetica, Arial, sans-serif;

  --r: 4px;
  --r-lg: 10px;

  --container: 1320px;
  --gutter: clamp(20px, 4.2vw, 56px);
  --section: clamp(64px, 9vw, 120px);

  --header-h: 72px;
  --utility-h: 0px;

  --ease-out: cubic-bezier(0.22, 1, 0.36, 1);
  --ease-io: cubic-bezier(0.65, 0, 0.35, 1);
}

/* ---------- Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-padding-top: calc(var(--header-h) + 16px); }
body {
  margin: 0;
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.55;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg { display: block; max-width: 100%; }
img { height: auto; }
a { color: inherit; text-decoration: none; }
button { font: inherit; color: inherit; background: none; border: 0; padding: 0; cursor: pointer; }
h1, h2, h3, p, ul, ol, dl, dd { margin: 0; }
ul, ol { padding: 0; list-style: none; }
:focus-visible { outline: 2px solid var(--sky); outline-offset: 3px; border-radius: 2px; }
[hidden] { display: none !important; }
.visually-hidden { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); clip-path: inset(50%); white-space: nowrap; }
.skip-link { position: fixed; left: 16px; top: -60px; z-index: 200; background: var(--white); color: var(--navy); padding: 10px 16px; border-radius: var(--r); font-weight: 500; }
.skip-link:focus { top: 12px; }

.container { width: 100%; max-width: calc(var(--container) + var(--gutter) * 2); margin-inline: auto; padding-inline: var(--gutter); }
.icon { width: 1.25em; height: 1.25em; flex: none; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-size: 12px; line-height: 1; font-weight: 500;
  letter-spacing: 0.14em; text-transform: uppercase; color: var(--blue);
}
.section-title {
  font-family: var(--font-display);
  font-size: clamp(2rem, 1.35rem + 2.3vw, 3.25rem);
  line-height: 1.1; letter-spacing: -0.022em; font-weight: 600;
  text-wrap: balance;
}

/* ---------- Buttons ---------- */
.btn {
  --h: 48px;
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: var(--h); padding: 0 22px;
  border-radius: var(--r); border: 1px solid transparent;
  font-size: 15px; font-weight: 500; letter-spacing: 0.005em; line-height: 1.1;
  white-space: nowrap;
  transition: background-color .2s var(--ease-out), border-color .2s var(--ease-out), color .2s var(--ease-out), transform .2s var(--ease-out);
}
.btn .icon { width: 18px; height: 18px; transition: transform .25s var(--ease-out); }
.btn:hover .icon[href], .btn:hover > .icon:last-child { transform: translateX(3px); }
.btn:active { transform: translateY(1px); }
.btn--primary { background: var(--blue); color: var(--white); }
.btn--primary:hover { background: var(--blue-hover); }
.btn--ghost-light { color: var(--white); border-color: rgba(255,255,255,.42); }
.btn--ghost-light:hover { border-color: var(--white); background: rgba(255,255,255,.08); }
.btn--quiet { color: var(--navy); border-color: var(--line-strong); background: var(--white); }
.btn--quiet:hover { border-color: var(--navy); }
.btn--sm { --h: 42px; padding: 0 18px; font-size: 14px; }
.btn--lg { --h: 54px; padding: 0 26px; font-size: 16px; }
.btn--block { width: 100%; white-space: normal; text-align: center; padding-block: 12px; }

.icon-btn {
  width: 44px; height: 44px; display: inline-grid; place-items: center;
  border: 1px solid var(--line-strong); border-radius: 50%; color: var(--navy);
  transition: border-color .2s, background-color .2s;
}
.icon-btn:hover { border-color: var(--navy); background: var(--cloud); }
.icon-btn .icon { width: 18px; height: 18px; }

/* ---------- Header ---------- */
.site-header {
  position: fixed; inset: 0 0 auto 0; z-index: 50;
  color: var(--white);
  transition: background-color .35s var(--ease-out), color .35s var(--ease-out), box-shadow .35s, transform .4s var(--ease-out);
}
.lang-switch { display: inline-flex; align-items: center; gap: 8px; color: var(--on-dark-2); }
.lang-switch a[aria-current] { color: var(--white); font-weight: 500; }

.site-header__bar { height: var(--header-h); display: flex; align-items: center; gap: 32px; }
.brand { position: relative; display: block; width: 168px; flex: none; }
.brand__logo { width: 100%; height: auto; transition: opacity .3s; }
.brand__logo--light { position: absolute; inset: 0; opacity: 0; }

.primary-nav { margin-inline: auto; }
.primary-nav__list { display: flex; align-items: center; gap: 4px; }
.primary-nav__trigger, .primary-nav__link {
  display: inline-flex; align-items: center; gap: 4px;
  height: 44px; padding: 0 14px; border-radius: var(--r);
  font-size: 15px; font-weight: 400; letter-spacing: .005em;
  position: relative;
}
.primary-nav__trigger::after, .primary-nav__link::after {
  content: ""; position: absolute; left: 14px; right: 14px; bottom: 8px; height: 1px;
  background: currentColor; transform: scaleX(0); transform-origin: left; transition: transform .3s var(--ease-out);
}
.primary-nav__trigger:hover::after, .primary-nav__link:hover::after, .primary-nav__trigger[aria-expanded="true"]::after { transform: scaleX(1); }
.primary-nav__trigger .icon { width: 16px; height: 16px; transition: transform .25s var(--ease-out); }
.primary-nav__trigger[aria-expanded="true"] .icon { transform: rotate(180deg); }
.has-menu { position: relative; }

.mega {
  position: absolute; top: calc(100% + 10px); left: -24px;
  width: min(820px, calc(100vw - 48px));
  background: var(--white); color: var(--ink);
  border-radius: var(--r-lg); border: 1px solid var(--line);
  box-shadow: 0 24px 60px -24px rgba(10, 21, 50, .35);
  padding: 28px;
  animation: mega-in .28s var(--ease-out);
}
.mega--compact { width: 360px; padding: 12px; }
@keyframes mega-in { from { opacity: 0; transform: translateY(-6px); } }
.mega__grid { display: grid; grid-template-columns: 1fr 220px; gap: 8px 28px; }
.mega__label { grid-column: 1 / -1; margin: 0 0 12px 12px; }
.mega__links { display: grid; grid-template-columns: 1fr 1fr; gap: 2px 12px; }
.mega__links--single { grid-template-columns: 1fr; }
.mega__links a { display: block; padding: 12px; border-radius: var(--r); transition: background-color .2s; }
.mega__links a:hover { background: var(--cloud); }
.mega__links strong { display: block; font-size: 15px; font-weight: 500; }
.mega__links span { display: block; font-size: 13.5px; line-height: 1.45; color: var(--ink-3); margin-top: 2px; }
.mega__aside {
  display: flex; flex-direction: column; justify-content: flex-end; gap: 10px;
  padding: 20px; border-radius: var(--r); background: var(--navy); color: var(--white);
  min-height: 190px; position: relative; overflow: hidden;
}
.mega__aside { background: linear-gradient(180deg, rgba(10,21,50,.1), rgba(10,21,50,.85)), url("../img/hero-wave-mobile.jpg") center 30% / cover, var(--navy); }
.mega__aside-kicker { font-size: 13px; color: var(--on-dark-2); }
.mega__aside-title { font-family: var(--font-display); font-weight: 600 !important; font-size: 20px; line-height: 1.2; font-weight: 500; letter-spacing: -.01em; }
.mega__aside .icon { transition: transform .25s var(--ease-out); }
.mega__aside:hover .icon { transform: translateX(4px); }

.site-header__actions { display: flex; align-items: center; gap: 20px; flex: none; }
.lang-switch--header { gap: 10px; font-size: 13.5px; padding-right: 20px; border-right: 1px solid var(--on-dark-line); }
.lang-switch--header a { min-height: 44px; display: inline-flex; align-items: center; }
.site-header.is-solid .lang-switch--header { color: var(--ink-3); border-right-color: var(--line); }
.site-header.is-solid .lang-switch--header a[aria-current] { color: var(--navy); }
.calc-link { display: inline-flex; align-items: center; gap: 8px; font-size: 14.5px; height: 44px; }
.calc-link .icon { width: 18px; height: 18px; opacity: .85; }
.calc-link:hover span { text-decoration: underline; text-underline-offset: 4px; text-decoration-thickness: 1px; }
.menu-toggle { display: none; width: 44px; height: 44px; place-items: center; border-radius: var(--r); }
.menu-toggle .icon { width: 26px; height: 26px; }
.menu-toggle .icon--close, .menu-toggle[aria-expanded="true"] .icon--open { display: none; }
.menu-toggle[aria-expanded="true"] .icon--close { display: block; }

/* solid state after the hero */
.site-header.is-solid { background: rgba(255,255,255,.96); color: var(--navy); box-shadow: 0 1px 0 var(--line); backdrop-filter: saturate(1.4) blur(10px); -webkit-backdrop-filter: saturate(1.4) blur(10px); }
.site-header.is-solid .brand__logo--dark { opacity: 0; }
.site-header.is-solid .brand__logo--light { opacity: 1; }
/* condensed over hero once scrolling starts */
.site-header.is-scrolled:not(.is-solid) { background: rgba(10, 21, 50, .72); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px); box-shadow: 0 1px 0 var(--on-dark-line); }

/* mobile menu */
.mobile-menu {
  position: fixed; inset: var(--header-h) 0 0 0; z-index: 49;
  background: var(--navy); color: var(--white);
  overflow-y: auto; overscroll-behavior: contain;
  padding-bottom: 40px;
}
.mobile-menu__inner { display: flex; flex-direction: column; padding-top: 8px; }
.mobile-menu__group summary, .mobile-menu__link {
  display: flex; align-items: center; justify-content: space-between;
  min-height: 60px; font-size: 22px; letter-spacing: -.01em; font-weight: 400;
  border-bottom: 1px solid var(--on-dark-line); list-style: none; cursor: pointer;
}
.mobile-menu__group summary::-webkit-details-marker { display: none; }
.mobile-menu__group summary .icon { width: 20px; height: 20px; transition: transform .25s var(--ease-out); }
.mobile-menu__group[open] summary .icon { transform: rotate(180deg); }
.mobile-menu__group ul { padding: 8px 0 16px; border-bottom: 1px solid var(--on-dark-line); }
.mobile-menu__group li a { display: flex; align-items: center; min-height: 44px; color: var(--on-dark-2); font-size: 16px; }
.mobile-menu__foot { display: flex; justify-content: space-between; align-items: center; padding-top: 28px; font-size: 15px; color: var(--on-dark-2); }
.mobile-menu__foot a { min-height: 44px; display: inline-flex; align-items: center; }

/* ---------- Hero story ---------- */
.hero { position: relative; background: var(--navy-deep); color: var(--white); }
.hero__stage { position: relative; min-height: 100svh; overflow: hidden; display: flex; }
.hero__media { position: absolute; inset: 0; will-change: transform; transform-origin: 72% 40%; }
.hero__media picture, .hero__media img { width: 100%; height: 100%; }
.hero__media img { object-fit: cover; object-position: 70% 50%; }
.hero__scrim {
  position: absolute; inset: 0; pointer-events: none;
  background:
    linear-gradient(90deg, rgba(10,21,50,.86) 0%, rgba(10,21,50,.6) 45%, rgba(10,21,50,.25) 80%),
    linear-gradient(0deg, rgba(10,21,50,.7) 0%, rgba(10,21,50,0) 40%),
    linear-gradient(180deg, rgba(10,21,50,.5) 0%, rgba(10,21,50,0) 22%);
}
.hero__inner {
  position: relative; z-index: 2; width: 100%;
  display: grid;
  grid-template-columns: minmax(0, 7fr) minmax(0, 5fr);
  align-items: center;
  column-gap: clamp(32px, 5vw, 88px);
  padding-top: calc(var(--header-h) + var(--utility-h) + clamp(16px, 3vh, 40px));
  padding-bottom: clamp(28px, 5vh, 56px);
  min-height: 100svh;
}
.hero__copy { display: flex; flex-direction: column; }
.hero__chapters { display: grid; align-items: end; }
.chapter { grid-area: 1 / 1; max-width: 760px; }

.hero__title {
  font-family: var(--font-display);
  font-size: clamp(2.75rem, 1.3rem + 4.6vw, 5.5rem);
  line-height: 1.02; letter-spacing: -0.028em; font-weight: 600;
}
.hero__subtitle {
  margin-top: 16px;
  font-size: clamp(1.4rem, 1rem + 1.5vw, 2.25rem); line-height: 1.15; letter-spacing: -.02em;
  font-weight: 300; color: var(--on-dark-2);
}
.hero__lede { margin-top: 22px; max-width: 32em; font-size: clamp(16px, .95rem + .2vw, 18.5px); color: var(--on-dark-2); line-height: 1.6; }

.chapter__title {
  font-family: var(--font-display);
  font-size: clamp(2.25rem, 1.2rem + 3.4vw, 4.25rem);
  line-height: 1.06; letter-spacing: -0.026em; font-weight: 600;
  max-width: 12em; text-wrap: balance;
}
.chapter__text { margin-top: 24px; max-width: 32em; font-size: clamp(16px, .95rem + .2vw, 18.5px); color: var(--on-dark-2); }
.chapter__facts { margin-top: 32px; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); max-width: 680px; border-top: 1px solid var(--on-dark-line); }
.chapter__facts li { padding: 18px 20px 0 0; font-size: 15.5px; color: var(--on-dark-2); counter-increment: fact; }
.chapter__facts li::before { content: "0" counter(fact); display: block; font-size: 11px; letter-spacing: .14em; color: var(--sky); margin-bottom: 8px; }
.chapter__facts li + li { padding-left: 20px; border-left: 1px solid var(--on-dark-line); }

.hero__ctas { display: flex; flex-wrap: wrap; gap: 12px; margin-top: clamp(24px, 4vh, 40px); }

.hero__nav { margin-top: clamp(28px, 5vh, 48px); max-width: 620px; }
.hero__rail { display: flex; gap: 8px 28px; flex-wrap: wrap; }
.hero__rail a { display: inline-flex; align-items: center; gap: 10px; min-height: 44px; color: rgba(255,255,255,.55); font-size: 14px; transition: color .3s; }
.hero__rail a:hover { color: var(--white); }
.hero__rail a[aria-current] { color: var(--white); }
.hero__rail a[aria-current] .hero__rail-num { color: var(--sky); }
.hero__rail-num { font-size: 11px; letter-spacing: .14em; font-weight: 500; }
.hero__progress { height: 1px; background: var(--on-dark-line); position: relative; margin-top: 6px; }
.hero__progress span { position: absolute; inset: 0; background: var(--sky); transform-origin: left; transform: scaleX(0); }

/* Visual: family photo (reference 01 composition) + floating cards */
.hero__visual { position: relative; align-self: center; height: min(72vh, 640px); min-height: 460px; }
.hero__arc { position: absolute; left: 50%; top: 50%; width: 118%; aspect-ratio: 1; transform: translate(-50%, -50%); border-radius: 50%; border: 1px solid rgba(36,169,255,.28); pointer-events: none; }
.hero__arc::after { content: ""; position: absolute; inset: 12%; border-radius: 50%; border: 1px solid rgba(255,255,255,.08); }
.hero__photo {
  position: absolute; left: 50%; top: 50%; width: 72%; height: 94%; margin: 0;
  translate: calc(-50% + var(--px, 0px)) calc(-50% + var(--py, 0px));
  border-radius: 999px 999px 28px 28px; overflow: hidden;
  background: #1c2e5c; box-shadow: 0 40px 80px -30px rgba(0,0,0,.6);
}
.hero__photo::after { content: ""; position: absolute; inset: auto 0 0 0; height: 30%; background: linear-gradient(0deg, rgba(10,21,50,.55), transparent); }
.hero__photo img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 12%; }

.float {
  position: absolute; z-index: 2;
  display: flex; align-items: center; gap: 12px;
  padding: 12px 16px; border-radius: 16px;
  background: rgba(255,255,255,.97); color: var(--navy);
  box-shadow: 0 24px 48px -20px rgba(0,0,0,.55), 0 0 0 1px rgba(19,37,81,.06);
  font-size: 14px; line-height: 1.3; white-space: nowrap;
  translate: var(--px, 0px) var(--py, 0px);
  transition: opacity .6s var(--ease-out), transform .7s var(--ease-out);
}
.float__icon { width: 36px; height: 36px; border-radius: 10px; display: grid; place-items: center; background: var(--blue); color: var(--white); flex: none; }
.float__icon--ghost { background: #e7f0ff; color: var(--blue); }
.float__icon .icon { width: 20px; height: 20px; }
.float__label { display: block; font-size: 12px; color: var(--ink-3); }
.float__value { display: block; font-weight: 600; font-family: var(--font-display); font-size: 14.5px; letter-spacing: -.005em; }
.float__big { display: block; font-family: var(--font-display); font-weight: 700; font-size: 30px; letter-spacing: -.03em; line-height: 1.1; margin-top: 2px; font-variant-numeric: tabular-nums; }
.float__big small { font-size: 13px; font-weight: 600; color: var(--ink-3); letter-spacing: .06em; }
.float__meta { display: block; font-size: 12px; color: var(--ink-3); margin-top: 2px; }
.float__bar { display: block; height: 6px; border-radius: 6px; background: var(--cloud); margin-top: 10px; overflow: hidden; }
.float__bar span { display: block; height: 100%; width: 80%; border-radius: inherit; background: linear-gradient(90deg, var(--blue), var(--sky)); }
.float__rows { display: grid; gap: 6px; margin-top: 6px; }
.float__rows > span { display: flex; justify-content: space-between; gap: 20px; font-size: 13px; }
.float__rows b { font-weight: 600; color: var(--blue); }
.float--c, .float--d { flex-direction: column; align-items: stretch; gap: 0; }
.float--c { min-width: 250px; padding: 16px 18px; }
.float--e img { width: 40px; height: 40px; border-radius: 50%; object-fit: cover; object-position: 50% 20%; }
.float__call { width: 34px; height: 34px; border-radius: 50%; display: grid; place-items: center; background: #e7f0ff; color: var(--blue); margin-left: 6px; }
.float__call .icon { width: 18px; height: 18px; }

.float--a { left: -6%; top: 16%; }
.float--b { right: 2%; top: 6%; }
.float--c { left: -14%; top: 38%; }
.float--d { right: 0; bottom: 14%; }
.float--e { left: -10%; bottom: 12%; }
.float--f { right: 0; top: 20%; }

/* Stacked (default / mobile / reduced motion / no JS): chapters read in order */
.hero:not(.is-story) .hero__stage { display: block; min-height: 0; }
.hero:not(.is-story) .hero__media { position: absolute; inset: 0 0 auto 0; height: 100svh; min-height: 640px; }
.hero:not(.is-story) .hero__scrim { height: 100svh; min-height: 640px; background:
  linear-gradient(180deg, rgba(10,21,50,.6) 0%, rgba(10,21,50,.15) 30%, rgba(10,21,50,.55) 62%, var(--navy-deep) 100%); }
.hero:not(.is-story) .hero__inner { display: flex; flex-direction: column; min-height: 0; padding-bottom: 0; }
.hero:not(.is-story) .hero__chapters, .hero:not(.is-story) .hero__copy { display: contents; }
.hero:not(.is-story) .chapter--1 { order: 1; min-height: calc(100svh - var(--header-h) - var(--utility-h) - 40px - 150px); display: flex; flex-direction: column; justify-content: flex-end; }
.hero:not(.is-story) .hero__ctas { order: 2; margin-top: 32px; }
.hero:not(.is-story) .hero__visual { order: 3; margin-top: clamp(56px, 10vw, 96px); height: 480px; min-height: 0; width: min(100%, 460px); align-self: center; }
.hero:not(.is-story) .chapter--2 { order: 4; }
.hero:not(.is-story) .chapter--3 { order: 5; padding-bottom: clamp(56px, 10vw, 96px); }
.hero:not(.is-story) .chapter--2, .hero:not(.is-story) .chapter--3 { padding-top: clamp(56px, 10vw, 96px); margin-top: clamp(56px, 10vw, 96px); border-top: 1px solid var(--on-dark-line); }
.hero:not(.is-story) .hero__nav { display: none; }
.hero:not(.is-story) .float--b, .hero:not(.is-story) .float--d, .hero:not(.is-story) .float--e, .hero:not(.is-story) .float--f { display: none; }
.hero:not(.is-story) .float { opacity: 0; transform: translateY(18px); }
.hero:not(.is-story) .hero__visual.is-in .float { opacity: 1; transform: none; }
.hero:not(.is-story) .hero__visual.is-in .float--c { transition-delay: .18s; }
.hero:not(.is-story) .float--a { left: -4%; top: 10%; }
.hero:not(.is-story) .float--c { left: auto; right: -4%; top: auto; bottom: 8%; }

/* Story mode (desktop, motion allowed, GSAP present) */
.hero.is-story { height: 300vh; }
.hero.is-story .hero__stage { position: sticky; top: 0; height: 100vh; height: 100svh; }
.hero.is-story .chapter { will-change: opacity, transform; }
.hero.is-story .chapter--2, .hero.is-story .chapter--3 { opacity: 0; }
.hero.is-story .float { opacity: 0; transform: translateY(18px) scale(.96); pointer-events: none; }
.hero.is-story .float.is-on { opacity: 1; transform: none; }
.hero.is-story .float.is-on:nth-of-type(odd) { transition-delay: .12s; }

.intro-pending .hero__inner { opacity: 0; }

/* split words */
.split-word { display: inline-block; overflow: hidden; vertical-align: top; padding-bottom: .1em; margin-bottom: -.1em; }
.split-word > span { display: inline-block; will-change: transform; }

/* ---------- Banks ---------- */
.banks { padding: var(--section) 0 calc(var(--section) * .8); background: var(--white); }
.banks__head { display: grid; grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); gap: 32px 64px; align-items: end; margin-bottom: clamp(40px, 5vw, 64px); }
.banks__intro .eyebrow { margin-bottom: 20px; }
.banks__aside { display: flex; flex-direction: column; gap: 28px; }
.banks__text { color: var(--ink-2); font-size: 17px; max-width: 30em; }
.carousel-controls { display: flex; gap: 8px; }
.carousel-controls .icon--play, .carousel-controls [aria-pressed="true"] .icon--pause { display: none; }
.carousel-controls [aria-pressed="true"] .icon--play { display: block; }

.banks__viewport {
  overflow: hidden; border-block: 1px solid var(--line);
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
          mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}
.banks__track { display: flex; width: max-content; will-change: transform; }
.bank {
  flex: none; width: clamp(168px, 17vw, 236px); height: clamp(104px, 10vw, 132px);
  display: grid; place-items: center; border-right: 1px solid var(--line);
}
.bank img { width: var(--w, 66%); height: auto; max-height: 62%; object-fit: contain; }

/* ---------- Calculator ---------- */
.calc { padding: var(--section) 0; background: var(--cloud); }
.calc__head { display: grid; grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); gap: 24px 64px; align-items: end; margin-bottom: clamp(36px, 4.5vw, 56px); }
.calc__head .eyebrow { margin-bottom: 20px; }
.calc__intro { color: var(--ink-2); max-width: 30em; }

.calc__grid { display: grid; grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); gap: 16px; align-items: stretch; }
.calc__panel { background: var(--white); border-radius: var(--r-lg); padding: clamp(20px, 3vw, 40px); border: 1px solid var(--line); }

.tabs { display: grid; grid-template-columns: repeat(3, 1fr); border-bottom: 1px solid var(--line); margin-bottom: 32px; }
.tabs__tab {
  position: relative; min-height: 52px; padding: 0 8px; font-size: 15px; color: var(--ink-3);
  text-align: center; transition: color .2s;
}
.tabs__tab::after { content: ""; position: absolute; left: 0; right: 0; bottom: -1px; height: 2px; background: var(--blue); transform: scaleX(0); transition: transform .35s var(--ease-out); }
.tabs__tab:hover { color: var(--navy); }
.tabs__tab[aria-selected="true"] { color: var(--navy); font-weight: 500; }
.tabs__tab[aria-selected="true"]::after { transform: scaleX(1); }

.calc__fields { display: grid; grid-template-columns: minmax(0, 1fr); gap: 30px; }
.calc__panel, .calc__result, .field { min-width: 0; }
.field__pair { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 24px; }
.field__label { display: block; font-size: 14px; font-weight: 500; margin-bottom: 10px; color: var(--navy); }
.field__row .field__label { margin-bottom: 10px; }
.field__input {
  display: flex; align-items: center; gap: 10px;
  height: 56px; padding: 0 16px;
  border: 1px solid var(--line-strong); border-radius: var(--r);
  background: var(--white);
  transition: border-color .2s, box-shadow .2s;
}
.field__input:hover { border-color: rgba(19,37,81,.4); }
.field__input:focus-within { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(0, 96, 235, .14); }
.field__input input {
  flex: 1; min-width: 0; height: 100%; border: 0; outline: 0; background: transparent;
  font: inherit; font-size: 20px; font-weight: 500; letter-spacing: -.01em; color: var(--navy);
  font-variant-numeric: tabular-nums;
}
.field__input input::placeholder { color: #8a93aa; font-weight: 400; font-size: 17px; }
.field__affix { font-size: 13px; letter-spacing: .06em; color: var(--ink-3); font-weight: 500; }
.field__affix--end { letter-spacing: 0; }
.field__split { display: grid; grid-template-columns: minmax(0, 1fr) 120px; gap: 10px; }
.field__scale { display: flex; justify-content: space-between; margin-top: 8px; font-size: 12.5px; color: var(--ink-3); font-variant-numeric: tabular-nums; }

.range {
  --p: 0%;
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 24px; margin: 6px 0 0; background: transparent; cursor: pointer;
}
.range::-webkit-slider-runnable-track { height: 2px; border-radius: 2px; background: linear-gradient(90deg, var(--blue) var(--p), var(--line-strong) var(--p)); }
.range::-moz-range-track { height: 2px; background: var(--line-strong); }
.range::-moz-range-progress { height: 2px; background: var(--blue); }
.range::-webkit-slider-thumb { -webkit-appearance: none; width: 20px; height: 20px; margin-top: -9px; border-radius: 50%; background: var(--white); border: 2px solid var(--blue); box-shadow: 0 2px 8px rgba(19,37,81,.2); transition: transform .15s; }
.range::-moz-range-thumb { width: 18px; height: 18px; border-radius: 50%; background: var(--white); border: 2px solid var(--blue); }
.range:active::-webkit-slider-thumb { transform: scale(1.15); }
.range.is-empty::-webkit-slider-thumb { border-color: var(--line-strong); }

.calc__result {
  position: relative; overflow: hidden; align-self: start;
  position: sticky; top: calc(var(--header-h) + 16px);
  background: var(--navy); color: var(--white);
  border-radius: var(--r-lg);
  padding: clamp(24px, 3vw, 40px);
  display: flex; flex-direction: column;
}
.calc__result::before { /* fine architectural line, echoes the wave */
  content: ""; position: absolute; right: -30%; top: -40%; width: 90%; aspect-ratio: 1;
  border-radius: 50%; border: 1px solid rgba(36,169,255,.22); pointer-events: none;
}
.calc__result-label { font-size: 14px; color: var(--on-dark-2); }
.calc__figure { display: flex; align-items: baseline; flex-wrap: wrap; gap: 4px 10px; margin-top: 10px; font-variant-numeric: tabular-nums; }
.calc__currency { font-size: 16px; letter-spacing: .08em; color: var(--on-dark-2); font-weight: 500; }
.calc__amount { font-family: var(--font-display); font-size: clamp(2.75rem, 2rem + 2.4vw, 4.25rem); line-height: 1; letter-spacing: -.035em; font-weight: 500; }
.calc__amount.is-empty { color: rgba(255,255,255,.35); }
.calc__per { font-size: 15px; color: var(--on-dark-2); }
.calc__meta { margin-top: 12px; font-size: 14px; color: var(--on-dark-2); min-height: 1.5em; }
.calc__status { margin-top: 10px; font-size: 13.5px; line-height: 1.45; color: #ffd28a; }
.calc__status:empty { display: none; }

.calc__rows { margin-top: 28px; border-top: 1px solid var(--on-dark-line); }
.calc__rows > div { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; padding: 13px 0; border-bottom: 1px solid var(--on-dark-line); }
.calc__rows > div[hidden] { display: none; }
.calc__rows dt { font-size: 14.5px; color: var(--on-dark-2); }
.calc__rows dd { font-size: 16px; font-weight: 500; font-variant-numeric: tabular-nums; text-align: right; }
.calc__sub { display: block; font-size: 12.5px; font-weight: 400; color: rgba(255,255,255,.62); margin-top: 2px; }
.calc__sub--inline { display: inline; font-size: 14px; }
.calc__sub:empty { display: none; }

.calc__costs { display: inline-flex; align-items: center; gap: 6px; align-self: flex-start; min-height: 44px; margin-top: 8px; font-size: 14.5px; color: var(--sky); }
.calc__costs:hover { text-decoration: underline; text-underline-offset: 4px; }
.calc__costs .icon { width: 16px; height: 16px; }

.calc__cta { margin-top: auto; padding-top: 24px; }
.calc__assumption { margin-top: 14px; font-size: 12.5px; line-height: 1.5; color: rgba(255,255,255,.66); }

.field__label-note { font-weight: 400; color: var(--ink-3); }
.field__hint { margin-top: 8px; font-size: 12.5px; line-height: 1.45; color: var(--ink-3); }
.field__hint:empty { display: none; }
.field__error { margin-top: 8px; font-size: 13px; line-height: 1.45; color: #b3261e; display: flex; gap: 8px; flex-wrap: wrap; align-items: baseline; }
.field__error[hidden] { display: none; }
.field__error button { color: var(--blue); text-decoration: underline; text-underline-offset: 3px; font-size: 13px; min-height: 24px; }
.field.has-error .field__input, .field__input.has-error { border-color: #b3261e; }
.field__input--select { position: relative; padding: 0; }
.field__input--select select { appearance: none; -webkit-appearance: none; width: 100%; height: 100%; border: 0; outline: 0; background: transparent; padding: 0 44px 0 16px; font: inherit; font-size: 16px; color: var(--navy); cursor: pointer; }
.field__input--select .icon { position: absolute; right: 14px; width: 18px; height: 18px; pointer-events: none; color: var(--ink-3); }

.seg { border: 0; padding: 0; margin: 0; min-width: 0; }
.seg legend { padding: 0; }
.seg__opts { display: grid; grid-auto-flow: column; grid-auto-columns: 1fr; height: 56px; border: 1px solid var(--line-strong); border-radius: var(--r); padding: 4px; gap: 4px; }
.seg__opts label { position: relative; display: grid; place-items: center; cursor: pointer; }
.seg__opts input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; }
.seg__opts span { width: 100%; height: 100%; display: grid; place-items: center; text-align: center; border-radius: 3px; font-size: 14px; line-height: 1.15; padding: 0 6px; color: var(--ink-2); transition: background-color .2s, color .2s; }
.seg__opts input:checked + span { background: var(--navy); color: var(--white); font-weight: 500; }
.seg__opts input:focus-visible + span { outline: 2px solid var(--sky); outline-offset: 2px; }
.seg__opts label:hover input:not(:checked) + span { background: var(--cloud); }

.calc__more { border-top: 1px solid var(--line); padding-top: 4px; }
.calc__more summary { display: flex; align-items: center; justify-content: space-between; min-height: 48px; cursor: pointer; font-size: 15px; font-weight: 500; color: var(--blue); list-style: none; }
.calc__more summary::-webkit-details-marker { display: none; }
.calc__more summary .icon { width: 18px; height: 18px; transition: transform .25s var(--ease-out); }
.calc__more[open] summary .icon { transform: rotate(180deg); }
.calc__more .field__pair { padding-top: 12px; }

.calc__mini { display: none; }

/* Upfront costs dialog */
.costs__emirate { margin-top: 20px; }
.costs__emirate .seg__opts { height: 48px; }
.dialog--wide { width: min(680px, calc(100vw - 24px)); max-height: calc(100dvh - 24px); overflow-y: auto; overscroll-behavior: contain; }
.costs { margin-top: 24px; border: 1px solid var(--line); border-radius: var(--r-lg); overflow: hidden; }
.costs__group { padding: 6px 20px; }
.costs__group + .costs__group { border-top: 1px solid var(--line); }
.costs__h { font-size: 12px; letter-spacing: .12em; text-transform: uppercase; color: var(--ink-3); font-weight: 500; padding: 14px 0 6px; }
.costs__row { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 4px 16px; padding: 10px 0; border-bottom: 1px solid var(--line); font-size: 15px; }
.costs__row:last-child { border-bottom: 0; }
.costs__row dd { text-align: right; font-weight: 500; font-variant-numeric: tabular-nums; white-space: nowrap; }
.costs__basis { grid-column: 1 / -1; font-size: 12.5px; color: var(--ink-3); }
.tag { display: inline-block; font-size: 11px; letter-spacing: .04em; padding: 2px 7px; border-radius: 3px; margin-left: 8px; vertical-align: 2px; font-weight: 500; }
.tag--indicative { background: #e7f0ff; color: #0047b3; }
.tag--unknown { background: #fff4e0; color: #8a4b00; }
.costs__row--unknown dd { color: #8a4b00; font-weight: 400; }
.costs__total { background: var(--cloud); padding: 16px 20px; display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 4px 16px; }
.costs__total dt { font-weight: 500; }
.costs__total dd { font-size: 20px; font-weight: 500; font-variant-numeric: tabular-nums; text-align: right; }
.costs__total p { grid-column: 1 / -1; font-size: 13px; color: var(--ink-2); }
.costs__based { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px 24px; margin-top: 20px; font-size: 14px; }
.costs__based dt { color: var(--ink-3); font-size: 12.5px; }
.costs__based dd { font-weight: 500; font-variant-numeric: tabular-nums; }
.costs__foot { margin-top: 18px; font-size: 12.5px; line-height: 1.5; color: var(--ink-3); }

/* ---------- Shared small parts ---------- */
.link-arrow { display: inline-flex; align-items: center; gap: 8px; min-height: 44px; font-size: 15px; font-weight: 500; color: var(--blue); }
.link-arrow .icon { width: 18px; height: 18px; transition: transform .25s var(--ease-out); }
.link-arrow:hover .icon { transform: translateX(4px); }
.text-link { color: var(--blue); text-decoration: underline; text-underline-offset: 3px; text-decoration-thickness: 1px; font: inherit; }
.eyebrow--light { color: var(--sky); }

/* ---------- Pathways ---------- */
.paths { padding: 0 0 var(--section); background: var(--white); }
.paths__head { display: flex; flex-direction: column; gap: 20px; margin-bottom: clamp(32px, 4vw, 48px); max-width: 720px; }
.paths__list { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); border-top: 1px solid var(--navy); }
.path {
  position: relative; display: flex; flex-direction: column; height: 100%; min-height: 240px;
  padding: 24px 24px 24px 0; border-right: 1px solid var(--line);
  transition: background-color .3s var(--ease-out);
}
.paths__list li + li .path { padding-left: 24px; }
.paths__list li:last-child .path { border-right: 0; }
.path::before { content: ""; position: absolute; left: 0; right: 0; top: -1px; height: 3px; background: var(--blue); transform: scaleX(0); transform-origin: left; transition: transform .45s var(--ease-out); }
.path:hover::before, .path:focus-visible::before { transform: scaleX(1); }
.path__num { font-size: 12px; letter-spacing: .14em; color: var(--blue); font-weight: 500; }
.path__title { font-family: var(--font-display); font-weight: 600 !important; margin-top: 28px; font-size: clamp(1.25rem, 1rem + .6vw, 1.5rem); line-height: 1.15; letter-spacing: -.015em; font-weight: 500; }
.path__text { margin-top: 10px; color: var(--ink-2); font-size: 15.5px; }
.path__go { margin-top: auto; padding-top: 24px; display: inline-flex; align-items: center; gap: 8px; font-size: 14px; color: var(--blue); font-weight: 500; }
.path__go .icon { width: 16px; height: 16px; transition: transform .25s var(--ease-out); }
.path:hover .path__go .icon { transform: translateX(4px); }

/* ---------- Solutions ---------- */
.solutions { padding: var(--section) 0; background: var(--white); }
.solutions__grid { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: 40px 72px; }
.solutions__intro { align-self: start; position: sticky; top: calc(var(--header-h) + 40px); }
.solutions__intro .eyebrow { margin-bottom: 20px; }
.solutions__lede { margin: 20px 0 16px; color: var(--ink-2); max-width: 28em; }
.solutions__major { border-top: 1px solid var(--navy); }
.sol {
  display: grid; grid-template-columns: 48px minmax(0, 1fr); grid-template-areas: "num body" ". go"; column-gap: 24px;
  gap: 6px 16px; padding: 28px 0; border-bottom: 1px solid var(--line);
}
.sol__icon { grid-area: num; width: 48px; height: 48px; border-radius: 14px; display: grid; place-items: center; background: #e7f0ff; color: var(--blue); transition: background-color .3s, color .3s, transform .3s var(--ease-out); }
.sol__icon .icon { width: 24px; height: 24px; }
.sol:hover .sol__icon { background: var(--blue); color: var(--white); transform: rotate(-6deg); }
.sol__body { grid-area: body; }
.sol__title { display: block; font-family: var(--font-display); font-weight: 600 !important; font-size: clamp(1.5rem, 1.1rem + 1.2vw, 2.125rem); line-height: 1.1; letter-spacing: -.025em; font-weight: 500; transition: color .25s; }
.sol__text { display: block; margin-top: 10px; color: var(--ink-2); max-width: 36em; }
.sol__go { grid-area: go; display: inline-flex; align-items: center; gap: 8px; margin-top: 8px; font-size: 14.5px; font-weight: 500; color: var(--blue); }
.sol__go .icon { width: 16px; height: 16px; transition: transform .25s var(--ease-out); }
.sol:hover .sol__title { color: var(--blue); }
.sol:hover .sol__go .icon { transform: translateX(4px); }
.solutions__minor { grid-column: 2; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
.solutions__minor a { display: flex; flex-direction: column; height: 100%; padding: 20px; background: var(--cloud); border-radius: var(--r-lg); transition: background-color .25s; }
.solutions__minor a:hover { background: #e2e6f3; }
.sol-mini__icon { width: 40px; height: 40px; border-radius: 12px; display: grid; place-items: center; background: var(--white); color: var(--blue); margin-bottom: 14px; }
.sol-mini__icon .icon { width: 20px; height: 20px; }
.sol-mini__title { font-family: var(--font-display); font-weight: 600 !important; font-size: 17px; font-weight: 500; letter-spacing: -.01em; }
.sol-mini__text { margin-top: 6px; font-size: 14.5px; color: var(--ink-2); }
.sol-mini__go { margin-top: auto; padding-top: 14px; font-size: 13.5px; color: var(--blue); font-weight: 500; }

/* ---------- Why Retention + advisors ---------- */
.why { padding: var(--section) 0; background: var(--cloud); overflow: hidden; }
.why__grid { display: grid; grid-template-columns: minmax(0, 6fr) minmax(0, 6fr); gap: 48px 80px; align-items: center; }
.why__copy .eyebrow { margin-bottom: 20px; }
.pillars { margin-top: 40px; counter-reset: pillar; }
.pillars li { position: relative; padding: 22px 0 22px 56px; border-top: 1px solid var(--line-strong); counter-increment: pillar; }
.pillars li::before { content: "0" counter(pillar); position: absolute; left: 0; top: 26px; font-size: 12px; letter-spacing: .14em; color: var(--blue); font-weight: 500; }
.pillars__title { font-family: var(--font-display); font-weight: 600 !important; font-size: 20px; line-height: 1.2; letter-spacing: -.015em; font-weight: 500; }
.pillars p { margin-top: 8px; color: var(--ink-2); font-size: 16px; }
.advisors { position: relative; display: grid; grid-template-columns: repeat(12, minmax(0, 1fr)); grid-auto-rows: auto; align-items: start; }
.advisors__title { grid-column: 1 / -1; font-size: 13px; letter-spacing: .14em; text-transform: uppercase; color: var(--ink-3); font-weight: 500; margin-bottom: 20px; }
.advisor { margin: 0; }
.advisor img { width: 100%; aspect-ratio: 4 / 5; object-fit: cover; object-position: 50% 30%; border-radius: var(--r-lg); background: #d9deea; }
.advisor figcaption { margin-top: 12px; font-size: 15px; font-weight: 500; }
.advisor--a { grid-column: 1 / span 6; }
.advisor--b { grid-column: 7 / span 6; margin-top: 72px; margin-left: 16px; }
.advisors__cta { grid-column: 1 / span 6; margin-top: -48px; justify-self: start; }

/* ---------- Journey (How it works + Beyond approval) ---------- */
.journey { padding: var(--section) 0; background: var(--white); }
.journey__head { display: grid; grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); gap: 24px 64px; align-items: end; margin-bottom: clamp(40px, 5vw, 72px); }
.journey__head .eyebrow { margin-bottom: 20px; }
.journey__head-aside { display: flex; flex-direction: column; align-items: flex-start; gap: 20px; }
.journey__lede { color: var(--ink-2); max-width: 30em; }
.journey__grid { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 6fr); gap: clamp(40px, 6vw, 96px); }
.journey__media { position: sticky; top: calc(var(--header-h) + 32px); align-self: start; height: min(calc(100vh - var(--header-h) - 64px), 640px); }
.journey__frame { position: relative; height: 100%; isolation: isolate; }
.journey__accent { position: absolute; z-index: -1; right: -18px; top: -18px; width: 42%; height: 38%; border-radius: 22px; background: linear-gradient(135deg, var(--sky), var(--blue)); }
.journey__accent::after { content: ""; position: absolute; left: -38px; bottom: -38px; width: 76px; height: 76px; border-radius: 50%; border: 1px solid rgba(0,96,235,.35); }
.jfig { position: absolute; inset: 0; margin: 0; border-radius: 22px; overflow: hidden; opacity: 0; transform: scale(1.04); transition: opacity .7s var(--ease-out), transform 1.2s var(--ease-out); background: var(--cloud); }
.jfig.is-active { opacity: 1; transform: none; }
.jfig img { width: 100%; height: 100%; object-fit: cover; }
.jchip {
  position: absolute; left: 18px; bottom: 18px; z-index: 1;
  display: inline-flex; align-items: center; gap: 8px; padding: 10px 14px 10px 10px; border-radius: 10px;
  background: var(--blue); color: var(--white); font-family: var(--font-display); font-weight: 600; font-size: 14px;
  box-shadow: 0 12px 30px -10px rgba(0,60,160,.6);
}
.jchip .icon { width: 20px; height: 20px; padding: 3px; border-radius: 6px; background: rgba(255,255,255,.18); box-sizing: content-box; }

.journey__steps { position: relative; border-left: 1px solid var(--line-strong); }
.jstep { position: relative; min-height: 40vh; display: flex; flex-direction: column; justify-content: center; padding: 32px 0 32px 40px; opacity: .38; transition: opacity .5s var(--ease-out); }
.jstep.is-active { opacity: 1; }
.jstep::before { content: ""; position: absolute; left: -6px; top: 50%; width: 11px; height: 11px; border-radius: 50%; background: var(--white); border: 1px solid var(--navy); transition: background-color .4s, border-color .4s, box-shadow .4s; }
.jstep.is-active::before { background: var(--blue); border-color: var(--blue); box-shadow: 0 0 0 6px rgba(0,96,235,.14); }
.jstep__fig { display: none; }
.jstep__num { font-size: 12px; letter-spacing: .14em; color: var(--blue); font-weight: 500; }
.jstep__title { margin-top: 10px; font-family: var(--font-display); font-size: clamp(1.6rem, 1.2rem + 1.2vw, 2.25rem); line-height: 1.1; letter-spacing: -.025em; font-weight: 600; }
.jstep p { margin-top: 12px; color: var(--ink-2); max-width: 30em; }
.jstep__note { margin-top: 20px; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); border: 1px solid var(--line); border-radius: 12px; }
.jstep__note > div { padding: 12px 14px; }
.jstep__note > div + div { border-left: 1px solid var(--line); }
.jstep__note dt { font-size: 13.5px; font-weight: 600; }
.jstep__note dd { margin-top: 4px; font-size: 13px; line-height: 1.4; color: var(--ink-2); }
.jstep__moments { margin: 18px 0 24px; display: flex; flex-wrap: wrap; gap: 8px; }
.jstep__moments li { padding: 8px 12px; border-radius: 8px; background: #e7f0ff; color: #0047b3; font-size: 14px; font-weight: 500; }
.jstep .btn { align-self: flex-start; }

/* ---------- Testimonials ---------- */
.reviews { position: relative; overflow: hidden; padding: var(--section) 0 calc(var(--section) + 24px); background: var(--navy); color: var(--white); isolation: isolate; }
.reviews__bg { position: absolute; inset: 0; z-index: -1; background: linear-gradient(180deg, rgba(19,37,81,.94), rgba(19,37,81,.82)), url("../img/hero-wave-1440.jpg") center 70% / cover no-repeat; }
.reviews__head { text-align: center; max-width: 720px; margin: 0 auto; }
.reviews__head .eyebrow { margin-bottom: 20px; }
.reviews__list { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 32px; margin-top: calc(clamp(40px, 5vw, 64px) + 52px); align-items: start; }
.review { position: relative; }
.review::before { /* brand speech-bubble accent, as in Retention's review posts */
  content: ""; position: absolute; z-index: 0; left: -14px; bottom: -22px; width: 58%; height: 46%;
  border-radius: 28px; background: var(--blue);
}
.review::after { content: ""; position: absolute; z-index: 0; left: 18%; bottom: -54px; width: 56px; height: 44px; background: var(--blue); clip-path: polygon(0 0, 100% 0, 10% 100%); }
.review:nth-child(2) { margin-top: 48px; }
.review__card { position: relative; z-index: 1; margin: 0; padding: 72px 28px 32px; border-radius: 32px; background: var(--white); color: var(--navy); text-align: center; box-shadow: 0 30px 60px -30px rgba(0,0,0,.45); transition: transform .5s var(--ease-out), box-shadow .5s var(--ease-out); }
.review::before, .review::after { transition: transform .5s var(--ease-out); }
.review__avatar { transition: transform .5s var(--ease-out), box-shadow .5s var(--ease-out); }
.review__stars .icon { transition: transform .4s var(--ease-out); }
@media (hover: hover) and (pointer: fine) {
  .review:hover .review__card { transform: translateY(-10px); box-shadow: 0 44px 80px -30px rgba(0,0,0,.6), 0 0 0 1px rgba(36,169,255,.35); }
  .review:hover::before { transform: translate(-8px, 6px); }
  .review:hover::after { transform: translate(-8px, 8px); }
  .review:hover .review__avatar { transform: translateX(-50%) translateY(-6px) scale(1.06); box-shadow: 0 18px 30px -12px rgba(0,0,0,.5), 0 0 0 4px rgba(36,169,255,.55); }
  .review:hover .review__stars .icon { transform: translateY(-2px); }
  .review:hover .review__stars .icon:nth-child(2) { transition-delay: .04s; }
  .review:hover .review__stars .icon:nth-child(3) { transition-delay: .08s; }
  .review:hover .review__stars .icon:nth-child(4) { transition-delay: .12s; }
  .review:hover .review__stars .icon:nth-child(5) { transition-delay: .16s; }
}
.review__avatar { position: absolute; left: 50%; top: -52px; transform: translateX(-50%); width: 104px; height: 104px; border-radius: 50%; object-fit: cover; border: 5px solid var(--white); box-shadow: 0 12px 24px -10px rgba(0,0,0,.4); background: var(--navy); }
.review__avatar--brand { display: grid; place-items: center; }
.review__avatar--brand img { width: 54%; height: auto; }
.review__sample { position: absolute; right: 16px; top: 16px; font-size: 10.5px; letter-spacing: .08em; text-transform: uppercase; font-weight: 600; padding: 4px 8px; border-radius: 4px; background: #fff4e0; color: #8a4b00; }
.review__who { display: block; }
.review__name { display: block; font-family: var(--font-display); font-size: 21px; font-weight: 700; letter-spacing: -.02em; }
.review__role { display: block; margin-top: 4px; font-size: 14px; color: var(--ink-2); }
.review__stars { display: flex; justify-content: center; gap: 4px; margin-top: 14px; color: #fdb022; }
.review__stars .icon { width: 22px; height: 22px; }
.review__quote { margin: 18px 0 0; }
.review__quote p { font-size: 16.5px; line-height: 1.55; color: #22325c; }
.review__quote strong { font-weight: 700; color: var(--navy); }
.review__close { margin-top: 16px; font-family: var(--font-display); font-weight: 700; font-size: 18px !important; color: var(--navy) !important; }

/* ---------- Social bar ---------- */
.social-bar { display: flex; justify-content: space-between; align-items: center; gap: 24px; flex-wrap: wrap; padding-bottom: 40px; margin-bottom: 48px; border-bottom: 1px solid var(--on-dark-line); }
.social-bar__text { font-size: 15px; color: var(--on-dark-2); }
.social-bar__kicker { display: block; font-family: var(--font-display); font-weight: 600; font-size: 20px; letter-spacing: -.015em; color: var(--white); margin-bottom: 4px; }
.social-bar__list { display: flex; flex-wrap: wrap; gap: 10px; }
.social { display: inline-flex; align-items: center; gap: 10px; height: 52px; padding: 0 18px 0 8px; border-radius: 14px; background: rgba(255,255,255,.06); border: 1px solid var(--on-dark-line); color: var(--white); font-size: 14.5px; font-weight: 500; transition: background-color .25s, border-color .25s, transform .25s var(--ease-out); }
.social .icon { width: 36px; height: 36px; padding: 9px; box-sizing: border-box; border-radius: 10px; color: #fff; background: var(--brand-c); transition: filter .25s, box-shadow .25s; }
.social--instagram { --brand-c: radial-gradient(circle at 30% 107%, #fdf497 0%, #fdf497 5%, #fd5949 45%, #d6249f 60%, #285aeb 90%); --brand-glow: rgba(214,36,159,.45); }
.social--facebook { --brand-c: #1877f2; --brand-glow: rgba(24,119,242,.45); }
.social--linkedin { --brand-c: #0a66c2; --brand-glow: rgba(10,102,194,.45); }
.social:hover { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.35); transform: translateY(-2px); }
.social:hover .icon { filter: brightness(1.08); box-shadow: 0 8px 20px -6px var(--brand-glow); }
.site-footer__credit a { color: var(--white); text-decoration: underline; text-underline-offset: 3px; text-decoration-thickness: 1px; }

/* ---------- Phone field with country code ---------- */
.phone { display: flex; height: 52px; border: 1px solid var(--line-strong); border-radius: var(--r); background: var(--white); transition: border-color .2s, box-shadow .2s; }
.phone:focus-within { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(0,96,235,.14); }
.phone:has(input[aria-invalid="true"]) { border-color: #b3261e; }
.phone__code { position: relative; flex: none; border-right: 1px solid var(--line); background: var(--cloud); border-radius: var(--r) 0 0 var(--r); }
.phone__code select { appearance: none; -webkit-appearance: none; height: 100%; border: 0; background: transparent; padding: 0 30px 0 12px; font: inherit; font-size: 15px; font-weight: 500; color: var(--navy); cursor: pointer; outline: 0; }
.phone__code .icon { position: absolute; right: 8px; top: 50%; width: 16px; height: 16px; transform: translateY(-50%); pointer-events: none; color: var(--ink-3); }
.enq__field .phone input[type="tel"] { flex: 1; min-width: 0; height: 100%; border: 0 !important; box-shadow: none !important; border-radius: 0 var(--r) var(--r) 0; }

/* ---------- Guides ---------- */
.guides { padding: var(--section) 0; background: var(--cloud); }
.guides__head { display: flex; justify-content: space-between; align-items: flex-end; gap: 24px; margin-bottom: clamp(32px, 4vw, 48px); }
.guides__head .eyebrow { margin-bottom: 20px; }
.guides__list { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; }
.guide { position: relative; display: flex; flex-direction: column; height: 100%; padding: 0; background: var(--white); border-radius: var(--r-lg); border: 1px solid var(--line); overflow: hidden; transition: border-color .3s, transform .3s var(--ease-out); }
.guide__media { display: block; aspect-ratio: 16 / 10; overflow: hidden; background: var(--cloud); }
.guide__media img { width: 100%; height: 100%; object-fit: cover; transition: transform .8s var(--ease-out); }
.guide:hover .guide__media img { transform: scale(1.05); }
.guide__body { display: flex; flex-direction: column; flex: 1; padding: 22px 26px 26px; }
.guide:hover { border-color: var(--navy); transform: translateY(-2px); }
.guide__kind { font-size: 12px; letter-spacing: .12em; text-transform: uppercase; color: var(--blue); font-weight: 500; }
.guide__text { margin-top: 12px; font-size: 15px; color: var(--ink-2); }
.guide__title { font-family: var(--font-display); font-weight: 600 !important; margin-top: 12px; font-size: clamp(1.25rem, 1.05rem + .5vw, 1.5rem); line-height: 1.2; letter-spacing: -.015em; font-weight: 500; }
.guide__go { margin-top: auto; padding-top: 28px; display: inline-flex; align-items: center; gap: 8px; font-size: 14.5px; font-weight: 500; color: var(--blue); }
.guide__go .icon { width: 16px; height: 16px; transition: transform .25s var(--ease-out); }
.guide:hover .guide__go .icon { transform: translateX(4px); }

/* ---------- FAQs ---------- */
.faq { padding: var(--section) 0; background: var(--white); }
.faq__grid { display: grid; grid-template-columns: minmax(0, 4fr) minmax(0, 8fr); gap: 40px 72px; }
.faq__intro { align-self: start; position: sticky; top: calc(var(--header-h) + 40px); }
.faq__intro .eyebrow { margin-bottom: 20px; }
.faq__lede { margin-top: 20px; color: var(--ink-2); }
.accordion { border-top: 1px solid var(--navy); }
.acc { border-bottom: 1px solid var(--line); }
.acc__h { font-size: inherit; font-weight: inherit; }
.acc__btn { width: 100%; display: flex; justify-content: space-between; align-items: center; gap: 24px; min-height: 72px; padding: 18px 0; text-align: left; font-size: clamp(1.0625rem, 1rem + .25vw, 1.2rem); font-weight: 500; letter-spacing: -.01em; line-height: 1.3; }
.acc__btn:hover { color: var(--blue); }
.acc__icon { position: relative; flex: none; width: 28px; height: 28px; border-radius: 50%; border: 1px solid var(--line-strong); transition: background-color .25s, border-color .25s; }
.acc__icon::before, .acc__icon::after { content: ""; position: absolute; left: 50%; top: 50%; width: 11px; height: 1.5px; background: currentColor; transform: translate(-50%, -50%); transition: transform .3s var(--ease-out); }
.acc__icon::after { transform: translate(-50%, -50%) rotate(90deg); }
.acc__btn[aria-expanded="true"] .acc__icon { background: var(--navy); border-color: var(--navy); color: var(--white); }
.acc__btn[aria-expanded="true"] .acc__icon::after { transform: translate(-50%, -50%) rotate(0deg); }
.acc__panel { display: grid; grid-template-rows: 0fr; opacity: 0; color: var(--ink-2); max-width: 46em; transition: grid-template-rows .5s var(--ease-out), opacity .4s var(--ease-out); }
.acc__panel.is-open { grid-template-rows: 1fr; opacity: 1; }
.acc__inner { overflow: hidden; min-height: 0; }
.acc__inner > p { padding: 0 64px 28px 0; transform: translateY(-6px); transition: transform .5s var(--ease-out); }
.acc__panel.is-open .acc__inner > p { transform: none; }
.no-js .acc__panel[hidden] { display: grid !important; grid-template-rows: 1fr; opacity: 1; }
.acc__panel a { color: var(--blue); text-decoration: underline; text-underline-offset: 3px; }

/* ---------- Final enquiry ---------- */
.enquire { position: relative; overflow: hidden; padding: var(--section) 0; background: var(--navy); color: var(--white); isolation: isolate; }
.enquire__media { position: absolute; inset: 0; z-index: -1; background: linear-gradient(90deg, rgba(19,37,81,.97) 25%, rgba(19,37,81,.72) 70%, rgba(19,37,81,.5)), url("../img/hero-wave-1440.jpg") 70% 50% / cover no-repeat; }
.enquire__grid { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: 48px 80px; align-items: start; }
.enquire__copy { position: sticky; top: calc(var(--header-h) + 40px); }
.enquire__copy .eyebrow { margin-bottom: 20px; }
.enquire__lede { margin-top: 20px; color: var(--on-dark-2); max-width: 28em; }
.enquire__contact { margin-top: 36px; border-top: 1px solid var(--on-dark-line); }
.enquire__contact li { border-bottom: 1px solid var(--on-dark-line); }
.enquire__contact a, .enquire__contact span { display: flex; align-items: center; gap: 12px; min-height: 56px; font-size: 16px; color: var(--on-dark-2); }
.enquire__contact a:hover { color: var(--white); }
.enquire__contact .icon { width: 18px; height: 18px; color: var(--sky); flex: none; }
.enquire__card { background: var(--white); color: var(--ink); border-radius: var(--r-lg); padding: clamp(24px, 3.5vw, 44px); }

/* ---------- Enquiry form ---------- */
.enq { display: grid; gap: 22px; }
.enq__row { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 16px; }
.enq__field { min-width: 0; border: 0; padding: 0; margin: 0; }
.enq__field > label, .enq__field legend { display: block; font-size: 14px; font-weight: 500; margin-bottom: 8px; padding: 0; color: var(--navy); }
.enq__field input[type="text"], .enq__field input[type="tel"], .enq__field input[type="email"] {
  width: 100%; height: 52px; padding: 0 14px; border: 1px solid var(--line-strong); border-radius: var(--r);
  font: inherit; font-size: 16px; color: var(--navy); background: var(--white); transition: border-color .2s, box-shadow .2s;
}
.enq__field input:focus { outline: 0; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(0,96,235,.14); }
.enq__field input[aria-invalid="true"], .enq__select.has-error { border-color: #b3261e; }
.enq__select { height: 52px; }
.enq__hint { margin-top: 6px; font-size: 12.5px; color: var(--ink-3); }
.enq__opt { font-weight: 400; color: var(--ink-3); }
.enq__radios { display: flex; flex-wrap: wrap; gap: 8px; }
.enq__radios label { position: relative; cursor: pointer; }
.enq__radios input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; }
.enq__radios span { display: inline-flex; align-items: center; gap: 10px; min-height: 44px; padding: 0 16px 0 12px; border: 1px solid var(--line-strong); border-radius: var(--r); font-size: 15px; transition: border-color .2s, background-color .2s; }
.enq__radios span::before { content: ""; width: 16px; height: 16px; border-radius: 50%; border: 1px solid var(--ink-3); box-sizing: border-box; transition: border .2s; }
.enq__radios input:checked + span { border-color: var(--navy); background: var(--cloud); }
.enq__radios input:checked + span::before { border: 5px solid var(--blue); }
.enq__radios input:focus-visible + span { outline: 2px solid var(--sky); outline-offset: 2px; }
.enq__choice[aria-invalid="true"] .enq__radios span { border-color: #b3261e; }
.enq__more { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.enq__more summary { display: flex; align-items: center; gap: 6px; min-height: 52px; cursor: pointer; font-size: 15px; font-weight: 500; color: var(--navy); list-style: none; }
.enq__more summary::-webkit-details-marker { display: none; }
.enq__more summary .icon { margin-left: auto; width: 18px; height: 18px; transition: transform .25s var(--ease-out); }
.enq__more[open] summary .icon { transform: rotate(180deg); }
.enq__more > .enq__field { margin-bottom: 20px; }
.enq__consent { display: flex; gap: 12px; align-items: flex-start; font-size: 14px; color: var(--ink-2); cursor: pointer; }
.enq__consent input { width: 20px; height: 20px; margin: 1px 0 0; flex: none; accent-color: var(--blue); }
.enq__privacy { font-size: 12.5px; line-height: 1.5; color: var(--ink-3); margin-top: -8px; }
.enq__privacy a { color: var(--blue); text-decoration: underline; text-underline-offset: 3px; }
.enq__summary { padding: 16px 18px; border: 1px solid #b3261e; border-left-width: 4px; border-radius: var(--r); background: #fdf3f2; }
.enq__summary-title { font-weight: 500; color: #8c1d18; }
.enq__summary ul { margin-top: 6px; list-style: disc; padding-left: 18px; font-size: 14px; }
.enq__summary a { color: #8c1d18; text-decoration: underline; }
.enq__estimate { display: flex; justify-content: space-between; align-items: flex-start; gap: 16px; padding: 14px 16px; background: var(--cloud); border-radius: var(--r); font-size: 14px; }
.enq__estimate-label { display: block; font-size: 12px; letter-spacing: .1em; text-transform: uppercase; color: var(--blue); font-weight: 500; margin-bottom: 4px; }
.enq__done { padding: 8px 0; }
.enq__done-title { font-family: var(--font-display); margin-top: 14px; font-size: 1.5rem; line-height: 1.2; letter-spacing: -.02em; font-weight: 500; }
.enq__done > p:not(.eyebrow) { margin-top: 12px; color: var(--ink-2); }
.enq__again { margin-top: 20px; min-height: 44px; }
.enq [aria-busy="true"] { opacity: .7; pointer-events: none; }
.dialog--form { width: min(640px, calc(100vw - 24px)); max-height: calc(100dvh - 24px); overflow-y: auto; overscroll-behavior: contain; }
.dialog--form .dialog__title { margin-top: 0; padding-right: 40px; }
.dialog--form .dialog__text { margin-bottom: 24px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-deep); color: var(--on-dark-2); padding: clamp(56px, 7vw, 88px) 0 32px; font-size: 15px; }
.site-footer__top { display: grid; grid-template-columns: minmax(0, 4fr) minmax(0, 8fr); gap: 48px 72px; padding-bottom: 48px; border-bottom: 1px solid var(--on-dark-line); }
.site-footer__brand img { width: 176px; }
.site-footer__brand p { margin: 20px 0 24px; max-width: 22em; }
.site-footer__nav { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 32px; }
.site-footer__h { font-size: 12px; letter-spacing: .14em; text-transform: uppercase; color: var(--white); font-weight: 500; margin-bottom: 14px; }
.site-footer__h--gap { margin-top: 28px; }
.site-footer__nav li a, .site-footer address a, .site-footer address span { display: block; padding: 5px 0; font-style: normal; }
.site-footer a:hover { color: var(--white); }
.site-footer address { font-style: normal; }
.site-footer__legal { padding-top: 28px; }
.site-footer__disclosure { font-size: 13px; line-height: 1.55; max-width: 60em; color: rgba(255,255,255,.62); }
.site-footer__bottom { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 16px; margin-top: 24px; font-size: 13px; color: rgba(255,255,255,.62); }
.site-footer__bottom ul { display: flex; flex-wrap: wrap; gap: 8px 24px; }
.site-footer__bottom a { display: inline-flex; min-height: 32px; align-items: center; }

/* ---------- Mobile contact bar ---------- */
.contact-bar { display: none; }

/* ---------- Dialog ---------- */
.dialog {
  width: min(560px, calc(100vw - 32px)); padding: 0; border: 0; border-radius: var(--r-lg);
  color: var(--ink); background: var(--white);
  box-shadow: 0 40px 80px -30px rgba(10,21,50,.55);
}
.dialog::backdrop { background: rgba(10,21,50,.62); backdrop-filter: blur(4px); animation: backdrop-in .4s var(--ease-out); }
.dialog[open] { animation: dialog-in .5s var(--ease-out); }
.dialog.is-closing { animation: dialog-out .28s var(--ease-io) forwards; }
.dialog.is-closing::backdrop { animation: backdrop-out .28s var(--ease-io) forwards; }
@keyframes dialog-in { from { opacity: 0; transform: translateY(24px) scale(.97); } }
@keyframes dialog-out { to { opacity: 0; transform: translateY(16px) scale(.98); } }
@keyframes backdrop-in { from { opacity: 0; } }
@keyframes backdrop-out { to { opacity: 0; } }
.dialog__inner { position: relative; padding: clamp(28px, 5vw, 48px); }
.dialog__close { position: absolute; top: 12px; right: 12px; width: 44px; height: 44px; display: grid; place-items: center; border-radius: 50%; color: var(--ink-3); }
.dialog__close:hover { color: var(--navy); background: var(--cloud); }
.dialog__close .icon { width: 26px; height: 26px; }
.dialog__title { font-family: var(--font-display); font-weight: 600 !important; margin-top: 18px; font-size: clamp(1.6rem, 1.2rem + 1.2vw, 2.1rem); line-height: 1.1; letter-spacing: -.025em; font-weight: 500; max-width: 14em; }
.dialog__text { margin-top: 14px; color: var(--ink-2); font-size: 16px; }
.dialog__actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 28px; }
.dialog__actions .icon { width: 18px; height: 18px; }
.dialog__addr { margin-top: 22px; padding-top: 18px; border-top: 1px solid var(--line); font-size: 13.5px; color: var(--ink-3); }
body.is-locked { overflow: hidden; }

/* ================================================================
   Interior pages (Stage 3)
   ================================================================ */
.section { padding: var(--section) 0; background: var(--white); }
.section--cloud { background: var(--cloud); }
.section--navy { background: var(--navy); color: var(--white); }
.section--tight { padding: clamp(32px, 4vw, 56px) 0; }
.section + .section--tight, .section--tight + .section { padding-top: clamp(32px, 4vw, 56px); }
.section:not(.section--cloud):not(.section--navy):not(.reviews):not(.faq) + .section:not(.section--cloud):not(.section--navy):not(.reviews):not(.faq):not(.section--tight) { padding-top: 0; }
.section--cloud + .section--cloud { padding-top: 0; }
.section__note { margin-top: 18px; font-size: 13.5px; color: var(--ink-3); max-width: 60em; }
.section--navy .eyebrow { color: var(--sky); }

.shead { max-width: 720px; margin-bottom: clamp(28px, 3.5vw, 44px); }
.shead .eyebrow { margin-bottom: 16px; }
.shead__lede { margin-top: 16px; color: var(--ink-2); max-width: 36em; }
.section--navy .shead__lede { color: var(--on-dark-2); }
.shead--center { margin-inline: auto; text-align: center; }
.cols-2 { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: 32px clamp(40px, 6vw, 96px); align-items: start; }
.cols-2--wide { grid-template-columns: minmax(0, 4fr) minmax(0, 8fr); }
.cols-2 > .shead { margin-bottom: 0; position: sticky; top: calc(var(--header-h) + 32px); }

/* Page hero */
.phero { position: relative; overflow: hidden; background: var(--navy-deep); color: var(--white); isolation: isolate; }
.phero__bg { position: absolute; inset: 0; z-index: -1; background: linear-gradient(90deg, rgba(10,21,50,.95) 0%, rgba(10,21,50,.72) 55%, rgba(10,21,50,.4) 100%), url("../img/hero-wave-1440.jpg") 70% 50% / cover no-repeat; }
.phero__inner { display: grid; grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); gap: 40px clamp(32px, 5vw, 88px); align-items: center; padding-top: calc(var(--header-h) + clamp(40px, 7vw, 88px)); padding-bottom: clamp(56px, 8vw, 104px); }
.phero--compact .phero__inner { grid-template-columns: minmax(0, 1fr); padding-bottom: clamp(48px, 6vw, 80px); }
.phero--compact .phero__copy { max-width: 820px; }
.phero .eyebrow { margin: 22px 0 16px; }
.phero__title { font-family: var(--font-display); font-weight: 600; font-size: clamp(2.25rem, 1.3rem + 3.4vw, 4.25rem); line-height: 1.06; letter-spacing: -.026em; text-wrap: balance; }
.phero--compact .phero__title { font-size: clamp(2.1rem, 1.3rem + 2.8vw, 3.6rem); }
.phero__lede { margin-top: 20px; max-width: 34em; font-size: clamp(16px, .95rem + .25vw, 19px); color: var(--on-dark-2); }
.phero__ctas { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 32px; }
.phero__media { position: relative; margin: 0; justify-self: center; width: min(100%, 420px); aspect-ratio: 4 / 5; }
.phero__media img { width: 100%; height: 100%; object-fit: cover; border-radius: 999px 999px 26px 26px; box-shadow: 0 40px 80px -30px rgba(0,0,0,.6); }
.phero__media--cutout { width: min(100%, 500px); aspect-ratio: 1080 / 1087; }
.phero__media--cutout img { object-fit: contain; border-radius: 0; box-shadow: none; filter: drop-shadow(0 30px 40px rgba(0,0,0,.45));
  -webkit-mask-image: linear-gradient(to bottom, #000 70%, transparent 98%), linear-gradient(to right, transparent 0, #000 7%, #000 93%, transparent 100%);
  -webkit-mask-composite: source-in; mask-image: linear-gradient(to bottom, #000 70%, transparent 98%), linear-gradient(to right, transparent 0, #000 7%, #000 93%, transparent 100%); mask-composite: intersect; }
.phero__media--cutout::before { inset: 4% 2% 10%; }
.phero__media--cutout .phero__chip { bottom: 18%; }
.phero__media::before { content: ""; position: absolute; inset: -9% -14%; border-radius: 50%; border: 1px solid rgba(36,169,255,.28); z-index: -1; }
.phero__chip { position: absolute; left: -12%; bottom: 12%; display: inline-flex; align-items: center; gap: 10px; padding: 12px 16px 12px 12px; border-radius: 14px; background: var(--white); color: var(--navy); font-family: var(--font-display); font-weight: 600; font-size: 15px; box-shadow: 0 24px 48px -20px rgba(0,0,0,.55); }
.phero__chip .icon { width: 34px; height: 34px; padding: 8px; box-sizing: border-box; border-radius: 10px; background: var(--blue); color: var(--white); }
.phero__ctas--dark { margin-top: 28px; }

.crumbs ol { display: flex; flex-wrap: wrap; gap: 6px; font-size: 13.5px; color: var(--on-dark-2); }
.crumbs li { display: inline-flex; align-items: center; gap: 6px; }
.crumbs li + li::before { content: "/"; opacity: .5; }
.crumbs a { color: var(--on-dark-2); text-decoration: underline; text-underline-offset: 3px; text-decoration-color: rgba(255,255,255,.3); }
.crumbs a:hover { color: var(--white); }
.crumbs [aria-current] { color: var(--white); }

/* Who it suits */
.suits { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; }
.suit { padding: 26px; border: 1px solid var(--line); border-radius: var(--r-lg); background: var(--white); }
.suit__icon { width: 40px; height: 40px; border-radius: 12px; display: grid; place-items: center; background: #e7f0ff; color: var(--blue); margin-bottom: 18px; }
.suit__icon .icon { width: 20px; height: 20px; }
.suit__title { font-family: var(--font-display); font-weight: 600; font-size: 19px; letter-spacing: -.015em; }
.suit p { margin-top: 8px; color: var(--ink-2); font-size: 15.5px; }

/* Numbered steps */
.numlist { counter-reset: n; border-top: 1px solid var(--line-strong); }
.numlist > li { display: grid; grid-template-columns: 56px minmax(0, 1fr); gap: 16px; padding: 22px 0; border-bottom: 1px solid var(--line); }
.numlist__n { font-size: 12px; letter-spacing: .14em; color: var(--blue); font-weight: 600; padding-top: 5px; }
.numlist__title { font-family: var(--font-display); font-weight: 600; font-size: 19px; letter-spacing: -.012em; }
.numlist p { margin-top: 6px; color: var(--ink-2); font-size: 15.5px; }
.section--navy .numlist, .section--navy .numlist > li { border-color: var(--on-dark-line); }

/* Split */
.split { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
.split__col { padding: clamp(22px, 3vw, 34px); border-radius: var(--r-lg); background: var(--white); border: 1px solid var(--line); }
.section--cloud .split__col { border-color: transparent; }
.split__title { font-family: var(--font-display); font-weight: 600; font-size: 21px; letter-spacing: -.015em; margin-bottom: 12px; }
.split__col p { color: var(--ink-2); }

/* Lists */
.checklist { display: grid; gap: 12px; }
.checklist li { display: flex; gap: 12px; align-items: flex-start; }
.checklist .icon { width: 22px; height: 22px; color: var(--blue); flex: none; margin-top: 1px; }
.checklist--boxed li { padding: 16px 18px; background: var(--white); border-radius: var(--r-lg); border: 1px solid var(--line); }
.section--cloud .checklist--boxed li { border-color: transparent; }
.dots li { position: relative; padding: 8px 0 8px 22px; border-bottom: 1px solid var(--line); color: var(--ink-2); font-size: 15.5px; }
.dots li:last-child { border-bottom: 0; }
.dots li::before { content: ""; position: absolute; left: 2px; top: 17px; width: 7px; height: 7px; border-radius: 50%; background: var(--sky); }
.dots .icon { display: none; }

/* Three columns: eligibility / costs / documents */
.triple { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; }
.triple__col { padding: clamp(22px, 2.6vw, 30px); border-radius: var(--r-lg); background: var(--cloud); }
.section--cloud .triple__col { background: var(--white); }
.triple__title { display: flex; align-items: center; gap: 10px; font-family: var(--font-display); font-weight: 600; font-size: 18px; letter-spacing: -.01em; margin-bottom: 12px; }
.triple__title .icon { width: 34px; height: 34px; padding: 8px; box-sizing: border-box; border-radius: 10px; background: var(--blue); color: var(--white); }
.triple__note { margin-top: 12px; font-size: 13px; color: var(--ink-3); }

/* Role (navy) */
.role__list { display: grid; gap: 0; border-top: 1px solid var(--on-dark-line); counter-reset: role; }
.role__list li { position: relative; padding: 24px 0 24px 56px; border-bottom: 1px solid var(--on-dark-line); counter-increment: role; }
.role__list li::before { content: "0" counter(role); position: absolute; left: 0; top: 28px; font-size: 12px; letter-spacing: .14em; color: var(--sky); font-weight: 600; }
.role__title { font-family: var(--font-display); font-weight: 600; font-size: 21px; letter-spacing: -.015em; }
.role__list p { margin-top: 6px; color: var(--on-dark-2); }

/* Cards */
.cards { display: grid; gap: 16px; }
.cards--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.cards--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.cards--4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.card { display: flex; flex-direction: column; height: 100%; padding: 24px; border-radius: var(--r-lg); background: var(--white); border: 1px solid var(--line); }
.section--cloud .card { border-color: transparent; }
.card--link { transition: border-color .25s, transform .3s var(--ease-out), box-shadow .3s var(--ease-out); }
.card--link:hover { border-color: var(--navy); transform: translateY(-3px); box-shadow: 0 20px 40px -24px rgba(19,37,81,.35); }
.card__icon { width: 44px; height: 44px; border-radius: 12px; display: grid; place-items: center; background: #e7f0ff; color: var(--blue); margin-bottom: 18px; transition: background-color .25s, color .25s; }
.card__icon .icon { width: 22px; height: 22px; }
.card--link:hover .card__icon { background: var(--blue); color: var(--white); }
.card__title { font-family: var(--font-display); font-weight: 600; font-size: 18.5px; letter-spacing: -.012em; line-height: 1.25; }
.card__text { margin-top: 8px; color: var(--ink-2); font-size: 15px; }
.card__link { margin-top: auto; padding-top: 18px; display: inline-flex; align-items: center; gap: 8px; font-size: 14.5px; font-weight: 500; color: var(--blue); }
.card__link .icon { width: 16px; height: 16px; transition: transform .25s var(--ease-out); }
.card--link:hover .card__link .icon { transform: translateX(4px); }

/* Callouts & promo */
.callout { display: flex; gap: 18px; align-items: flex-start; padding: clamp(22px, 3vw, 32px); border-radius: var(--r-lg); background: #e7f0ff; border: 1px solid rgba(0,96,235,.18); }
.callout__icon { width: 26px; height: 26px; color: var(--blue); flex: none; margin-top: 2px; }
.callout__title { font-family: var(--font-display); font-weight: 600; font-size: 20px; letter-spacing: -.012em; margin-bottom: 6px; }
.callout p { color: var(--ink-2); max-width: 60em; }
.callout .btn { margin-top: 18px; }
.callout--navy { background: var(--navy); border-color: var(--navy); color: var(--white); }
.callout--navy p { color: var(--on-dark-2); }
.callout--navy .callout__icon { color: var(--sky); }
.callout--soft { background: var(--cloud); border-color: transparent; margin: 32px 0; }
.promo { display: grid; grid-template-columns: auto minmax(0, 1fr) auto; gap: 20px 28px; align-items: center; padding: clamp(24px, 3vw, 36px); border-radius: var(--r-lg); background: var(--navy); color: var(--white); }
.promo__icon { width: 56px; height: 56px; padding: 14px; box-sizing: border-box; border-radius: 16px; background: var(--blue); color: var(--white); }
.promo__title { font-family: var(--font-display); font-weight: 600; font-size: 22px; }
.promo p { color: var(--on-dark-2); }

/* Scenario */
.scenario { border-radius: var(--r-lg); background: var(--white); padding: 8px 24px; }
.scenario > div { display: flex; justify-content: space-between; gap: 20px; padding: 14px 0; border-bottom: 1px solid var(--line); }
.scenario > div:last-child { border-bottom: 0; font-weight: 600; }
.scenario dt { color: var(--ink-2); font-size: 15px; }
.scenario dd { font-weight: 600; white-space: nowrap; font-variant-numeric: tabular-nums; }
.scenario__note { font-size: 13.5px; color: var(--ink-3); max-width: 32em; }

/* CTA band */
.cta-band { position: relative; overflow: hidden; background: var(--navy); color: var(--white); padding: clamp(56px, 7vw, 96px) 0; isolation: isolate; }
.cta-band__bg { position: absolute; inset: 0; z-index: -1; background: linear-gradient(90deg, rgba(19,37,81,.97) 30%, rgba(19,37,81,.7)), url("../img/hero-wave-1440.jpg") 60% 60% / cover no-repeat; }
.cta-band__inner { display: grid; grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); gap: 28px 48px; align-items: center; }
.cta-band p { margin-top: 14px; color: var(--on-dark-2); max-width: 34em; }
.cta-band__actions { display: flex; flex-wrap: wrap; gap: 12px; justify-content: flex-end; }

/* Advisors strip */
.advisors-strip__grid { display: grid; grid-template-columns: minmax(0, 6fr) minmax(0, 6fr); gap: 40px 80px; align-items: center; }
.advisors-strip__grid .btn { margin-top: 24px; }
.advisors-strip__people { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
.advisors-strip__people .advisor:nth-child(2) { margin-top: 48px; }

/* Groups (solutions hub) */
.groups { display: grid; gap: clamp(40px, 5vw, 64px); }
.group { display: grid; grid-template-columns: minmax(0, 4fr) minmax(0, 8fr); gap: 24px 64px; padding-top: 28px; border-top: 1px solid var(--navy); }
.group__title { font-family: var(--font-display); font-weight: 600; font-size: clamp(1.6rem, 1.2rem + 1.2vw, 2.25rem); letter-spacing: -.02em; }
.group__head p { margin-top: 10px; color: var(--ink-2); }

/* Tables */
.table-wrap { overflow-x: auto; border-radius: var(--r-lg); border: 1px solid var(--line); }
.ltv { width: 100%; border-collapse: collapse; min-width: 560px; font-size: 15.5px; }
.ltv th, .ltv td { padding: 16px 20px; text-align: start; border-bottom: 1px solid var(--line); }
.ltv thead th { background: var(--navy); color: var(--white); font-weight: 500; font-size: 14px; }
.ltv tbody th { font-weight: 500; }
.ltv tbody tr:last-child > * { border-bottom: 0; }
.ltv td { font-variant-numeric: tabular-nums; color: var(--navy); font-weight: 600; }

/* How it works step cards */
.stepcards { display: grid; gap: 16px; }
.stepcard { display: grid; grid-template-columns: 72px minmax(0, 3fr) minmax(0, 9fr); gap: 16px 28px; align-items: start; padding: 26px; border-radius: var(--r-lg); border: 1px solid var(--line); }
.stepcard__n { font-family: var(--font-display); font-weight: 700; font-size: 30px; color: var(--blue); letter-spacing: -.02em; line-height: 1; }
.stepcard__title { font-family: var(--font-display); font-weight: 600; font-size: 21px; letter-spacing: -.015em; }
.stepcard__grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 14px 20px; }
.stepcard__grid dt { font-size: 11.5px; letter-spacing: .12em; text-transform: uppercase; color: var(--ink-3); font-weight: 600; }
.stepcard__grid dd { margin-top: 6px; font-size: 14.5px; color: var(--ink-2); }

/* Prose / article */
.prose { max-width: 70ch; }
.prose p + p { margin-top: 1em; }
.prose--lead p { font-size: clamp(17px, 1rem + .3vw, 20px); color: var(--ink-2); line-height: 1.6; }
.prose h2 { font-family: var(--font-display); font-weight: 600; font-size: clamp(1.35rem, 1.1rem + .8vw, 1.75rem); letter-spacing: -.015em; margin: 40px 0 12px; }
.prose ul { display: grid; gap: 8px; padding-left: 20px; list-style: disc; color: var(--ink-2); }
.prose a { color: var(--blue); text-decoration: underline; text-underline-offset: 3px; }
.article { display: grid; grid-template-columns: minmax(0, 8fr) minmax(0, 4fr); gap: 40px clamp(40px, 5vw, 80px); align-items: start; }
.article__figure { margin: 0 0 32px; border-radius: var(--r-lg); overflow: hidden; aspect-ratio: 16 / 9; }
.article__figure img { width: 100%; height: 100%; object-fit: cover; }
.answer { padding: 22px 24px; border-radius: var(--r-lg); background: var(--navy); color: var(--white); }
.answer p { color: var(--on-dark-2); }
.answer__label { font-size: 12px; letter-spacing: .12em; text-transform: uppercase; color: var(--sky) !important; font-weight: 600; margin-bottom: 8px; }
.sources a { word-break: break-word; }
.article__aside { position: sticky; top: calc(var(--header-h) + 32px); display: grid; gap: 16px; }
.aside-card { padding: 22px; border-radius: var(--r-lg); background: var(--cloud); display: grid; gap: 12px; }
.aside-links { display: grid; gap: 10px; }
.aside-links a { color: var(--navy); font-weight: 500; text-decoration: underline; text-underline-offset: 3px; text-decoration-color: var(--line-strong); }
.aside-links a:hover { color: var(--blue); }

/* Office details */
.office { display: grid; gap: 12px; }
.office--row { grid-template-columns: repeat(3, minmax(0, 1fr)); }
@media (max-width: 899.98px) { .office--row { grid-template-columns: minmax(0, 1fr); } }
.office li { display: flex; gap: 14px; align-items: flex-start; padding: 18px 20px; border-radius: var(--r-lg); background: var(--cloud); }
.office .icon { width: 40px; height: 40px; padding: 10px; box-sizing: border-box; border-radius: 12px; background: var(--blue); color: var(--white); flex: none; }
.office div { display: grid; gap: 2px; }
.office__label { font-size: 12px; letter-spacing: .12em; text-transform: uppercase; color: var(--ink-3); font-weight: 600; }
.office a:not(.text-link) { font-weight: 600; color: var(--navy); }
.office .text-link { margin-top: 6px; font-size: 14.5px; }

/* Banks */
.bank-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); border-top: 1px solid var(--line); border-left: 1px solid var(--line); }
.bank-grid .bank { width: auto; height: 140px; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); }

/* Calculator page */
.calc--page { padding-top: clamp(40px, 5vw, 72px); }

/* Guides filter */
.gfilter { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 16px; align-items: center; margin-bottom: 28px; }
.gfilter__chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chip { min-height: 40px; padding: 0 16px; border-radius: 999px; border: 1px solid var(--line-strong); background: var(--white); font-size: 14.5px; color: var(--navy); transition: background-color .2s, color .2s, border-color .2s; }
.chip:hover { border-color: var(--navy); }
.chip[aria-pressed="true"] { background: var(--navy); border-color: var(--navy); color: var(--white); }
.gfilter__search { position: relative; }
.gfilter__search input { height: 44px; width: min(320px, 100%); padding: 0 16px 0 42px; border-radius: 999px; border: 1px solid var(--line-strong); font: inherit; font-size: 15px; background: var(--white); color: var(--navy); }
.gfilter__search input:focus { outline: 0; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(0,96,235,.14); }
.gfilter__icon { position: absolute; left: 14px; top: 50%; width: 18px; height: 18px; transform: translateY(-50%); color: var(--ink-3); pointer-events: none; }
.gfilter__empty { padding: 32px; text-align: center; color: var(--ink-2); background: var(--white); border-radius: var(--r-lg); }

/* FAQ page */
.faq-page { display: grid; grid-template-columns: minmax(0, 3fr) minmax(0, 9fr); gap: 40px clamp(40px, 5vw, 80px); align-items: start; }
.faq-page__nav { position: sticky; top: calc(var(--header-h) + 32px); }
.faq-page__nav .eyebrow { margin-bottom: 12px; }
.faq-page__nav ul { display: grid; gap: 4px; }
.faq-page__nav a { display: block; padding: 8px 12px; border-radius: var(--r); color: var(--ink-2); }
.faq-page__nav a:hover { background: var(--cloud); color: var(--navy); }
.faq-group + .faq-group { margin-top: 48px; }
.faq-group__title { font-family: var(--font-display); font-weight: 600; font-size: 24px; letter-spacing: -.015em; margin-bottom: 8px; scroll-margin-top: calc(var(--header-h) + 24px); }
.acc__inner a { color: var(--blue); text-decoration: underline; text-underline-offset: 3px; }

/* Contact page */
.contact-page__grid { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: 40px clamp(40px, 5vw, 80px); align-items: start; }
.contact-page__next { margin-top: 40px; }
.enquire__card--bordered { border: 1px solid var(--line); box-shadow: 0 30px 60px -40px rgba(19,37,81,.35); }
.enq__field textarea { width: 100%; padding: 12px 14px; border: 1px solid var(--line-strong); border-radius: var(--r); font: inherit; font-size: 16px; color: var(--navy); resize: vertical; }
.enq__field textarea:focus { outline: 0; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(0,96,235,.14); }
.enq__consent--required input[aria-invalid="true"] { outline: 2px solid #b3261e; outline-offset: 2px; }

/* Confirmation */
.recap { padding: 22px 24px; border-radius: var(--r-lg); background: var(--cloud); margin-bottom: 32px; }
.recap .eyebrow { margin-bottom: 10px; }
.recap dl > div { display: flex; justify-content: space-between; gap: 16px; padding: 8px 0; border-bottom: 1px solid var(--line); font-size: 15px; }
.recap dl > div:last-child { border-bottom: 0; }
.recap dt { color: var(--ink-3); }
.recap dd { font-weight: 600; text-align: end; }

/* Legal */
.legal { max-width: 860px; }
.legal__draft { display: flex; gap: 12px; align-items: flex-start; padding: 16px 18px; border-radius: var(--r-lg); background: #fff4e0; color: #6b3a00; font-size: 15px; margin-bottom: 32px; }
.legal__draft .icon { width: 22px; height: 22px; flex: none; }

/* Single review (service pages) */
.reviews--single { padding: var(--section) 0; }
.reviews__single { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: 72px 80px; align-items: center; }
.reviews__head--start { text-align: start; margin: 0; }
.reviews__lede { margin-top: 16px; color: var(--on-dark-2); max-width: 30em; }
.reviews__single .review { max-width: 560px; margin-top: 52px; }

/* Nav active states */
.primary-nav__link[aria-current]::after, .primary-nav__trigger[data-active]::after { transform: scaleX(1); }
.calc-link[aria-current] span { text-decoration: underline; text-underline-offset: 4px; }
.lang-switch a { color: inherit; transition: color .2s; }
.lang-switch a + a::before { content: "/"; margin-inline-end: 8px; opacity: .45; }
.lang-switch a:hover { color: var(--white); }
.site-header.is-solid .lang-switch a:hover { color: var(--navy); }
.mega__label { display: inline-flex; text-decoration: none; }
.mega__label:hover { text-decoration: underline; text-underline-offset: 4px; }

@media (max-width: 1100px) {
  .stepcard { grid-template-columns: 56px minmax(0, 1fr); }
  .stepcard__grid { grid-column: 1 / -1; grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .cards--4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .bank-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
}
@media (max-width: 899.98px) {
  .phero__inner, .cols-2, .cols-2--wide, .cta-band__inner, .advisors-strip__grid, .group, .article, .faq-page, .contact-page__grid, .reviews__single { grid-template-columns: minmax(0, 1fr); }
  .cols-2 > .shead, .article__aside, .faq-page__nav { position: static; }
  .phero__media { width: min(100%, 360px); margin-top: 16px; }
  .phero__chip { left: -4%; }
  .suits, .triple, .cards--3 { grid-template-columns: minmax(0, 1fr); }
  .cta-band__actions { justify-content: flex-start; }
  .promo { grid-template-columns: minmax(0, 1fr); }
  .faq-page__nav ul { display: flex; flex-wrap: wrap; gap: 6px; }
  .faq-page__nav a { background: var(--cloud); }
}
@media (max-width: 599.98px) {
  .split, .cards--2, .cards--4 { grid-template-columns: minmax(0, 1fr); }
  .stepcard__grid { grid-template-columns: minmax(0, 1fr); }
  .bank-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .advisors-strip__people .advisor:nth-child(2) { margin-top: 32px; }
  .gfilter__search input { width: 100%; }
  .gfilter__search { width: 100%; }
  .scenario > div { flex-direction: column; gap: 4px; }
  .scenario dd { white-space: normal; }
  .phero__ctas .btn { width: 100%; }
}

/* ================================================================
   Arabic / RTL (Stage 3). Grid and flex layouts mirror automatically;
   these rules cover typography, physical offsets, gradients and icons.
   ================================================================ */
[dir="rtl"] {
  --font: "IBM Plex Sans Arabic", "Helvetica Neue", Arial, system-ui, sans-serif;
  --font-display: "IBM Plex Sans Arabic", "Helvetica Neue", Arial, sans-serif;
}
[dir="rtl"] body { line-height: 1.75; }
/* Arabic must not be letter-spaced: it breaks joining. Give headings room for ascenders/descenders. */
[dir="rtl"] :is(h1, h2, h3, .section-title, .hero__title, .hero__subtitle, .chapter__title, .phero__title, .eyebrow, .sol__title, .path__title,
  .card__title, .split__title, .triple__title, .role__title, .numlist__title, .stepcard__title, .jstep__title, .group__title, .review__name,
  .guide__title, .dialog__title, .callout__title, .promo__title, .pillars__title, .float__value, .float__big, .calc__amount, .suit__title,
  .mega__aside-title, .social-bar__kicker, .faq-group__title, .answer__label, .ltv th, .stepcard__grid dt, .office__label, .costs__h,
  .guide__kind, .timeline__stage, .jchip, .phero__chip, .tag, .review__sample, .field__affix, .calc__currency, .calc__mini-label, .site-footer__h) { letter-spacing: 0; }
[dir="rtl"] .hero__title { line-height: 1.2; font-weight: 700; }
[dir="rtl"] :is(.section-title, .chapter__title, .phero__title) { line-height: 1.3; font-weight: 700; }
[dir="rtl"] .hero__subtitle { line-height: 1.5; }
[dir="rtl"] .eyebrow, [dir="rtl"] .stepcard__grid dt, [dir="rtl"] .office__label, [dir="rtl"] .costs__h, [dir="rtl"] .guide__kind, [dir="rtl"] .site-footer__h { text-transform: none; font-size: 13px; }
[dir="rtl"] .split-word { padding: .15em 0 .25em; margin: -.15em 0 -.25em; }

/* Direction-aware icons */
[dir="rtl"] use[href="#i-arrow"], [dir="rtl"] use[href="#i-chev-right"], [dir="rtl"] use[href="#i-chev-left"] { transform: scaleX(-1); transform-origin: center; transform-box: fill-box; }
[dir="rtl"] .btn:hover > .icon:last-child, [dir="rtl"] .link-arrow:hover .icon, [dir="rtl"] .card--link:hover .card__link .icon,
[dir="rtl"] .sol:hover .sol__go .icon, [dir="rtl"] .path:hover .path__go .icon, [dir="rtl"] .guide:hover .guide__go .icon, [dir="rtl"] .mega__aside:hover .icon { transform: translateX(-4px); }

/* Header */
[dir="rtl"] .lang-switch--header { padding-right: 0; border-right: 0; padding-left: 20px; border-left: 1px solid var(--on-dark-line); }
[dir="rtl"] .site-header.is-solid .lang-switch--header { border-left-color: var(--line); }
[dir="rtl"] .mega { left: auto; right: -24px; }
[dir="rtl"] .primary-nav__trigger::after, [dir="rtl"] .primary-nav__link::after { transform-origin: right; }
[dir="rtl"] .skip-link { left: auto; right: 16px; }
[dir="rtl"] .brand { width: 176px; }

/* Heroes and gradient washes: dark side follows the text (right) */
[dir="rtl"] .hero__scrim { background:
    linear-gradient(270deg, rgba(10,21,50,.86) 0%, rgba(10,21,50,.6) 45%, rgba(10,21,50,.25) 80%),
    linear-gradient(0deg, rgba(10,21,50,.7) 0%, rgba(10,21,50,0) 40%),
    linear-gradient(180deg, rgba(10,21,50,.5) 0%, rgba(10,21,50,0) 22%); }
[dir="rtl"] .hero__media { transform-origin: 28% 40%; }
[dir="rtl"] .hero__media img { object-position: 30% 50%; transform: scaleX(-1); }
[dir="rtl"] .hero__progress span { transform-origin: right; }
[dir="rtl"] .float--a { left: auto; right: -6%; }
[dir="rtl"] .float--b { right: auto; left: 2%; }
[dir="rtl"] .float--c { left: auto; right: -14%; }
[dir="rtl"] .float--d { right: auto; left: 0; }
[dir="rtl"] .float--e { left: auto; right: -10%; }
[dir="rtl"] .float--f { right: auto; left: 0; }
[dir="rtl"] .hero:not(.is-story) .float--a { right: -4%; left: auto; }
[dir="rtl"] .hero:not(.is-story) .float--c { right: auto; left: -4%; }
[dir="rtl"] .phero__bg { background: linear-gradient(270deg, rgba(10,21,50,.95) 0%, rgba(10,21,50,.72) 55%, rgba(10,21,50,.4) 100%), url("../img/hero-wave-1440.jpg") 30% 50% / cover no-repeat; }
[dir="rtl"] .phero__chip { left: auto; right: -12%; padding: 12px 12px 12px 16px; }
[dir="rtl"] .cta-band__bg { background: linear-gradient(270deg, rgba(19,37,81,.97) 30%, rgba(19,37,81,.7)), url("../img/hero-wave-1440.jpg") 40% 60% / cover no-repeat; }
[dir="rtl"] .enquire__media { background: linear-gradient(270deg, rgba(19,37,81,.97) 25%, rgba(19,37,81,.72) 70%, rgba(19,37,81,.5)), url("../img/hero-wave-1440.jpg") 30% 50% / cover no-repeat; }

/* Lists with physical offsets */
[dir="rtl"] .dots li { padding: 8px 22px 8px 0; }
[dir="rtl"] .dots li::before { left: auto; right: 2px; }
[dir="rtl"] .role__list li { padding: 24px 56px 24px 0; }
[dir="rtl"] .role__list li::before, [dir="rtl"] .pillars li::before { left: auto; right: 0; }
[dir="rtl"] .pillars li { padding: 22px 56px 22px 0; }
[dir="rtl"] .prose ul { padding-left: 0; padding-right: 20px; }
[dir="rtl"] .path::before { transform-origin: right; }
[dir="rtl"] .paths__list li + li .path { padding-left: 0; padding-right: 24px; }
[dir="rtl"] .path { padding: 24px 0 24px 24px; border-right: 0; border-left: 1px solid var(--line); }
[dir="rtl"] .paths__list li:last-child .path { border-left: 0; }

/* Journey */
[dir="rtl"] .journey__steps { border-left: 0; border-right: 1px solid var(--line-strong); }
[dir="rtl"] .jstep { padding: 32px 40px 32px 0; }
[dir="rtl"] .jstep::before { left: auto; right: -6px; }
[dir="rtl"] .journey__accent { right: auto; left: -18px; }
[dir="rtl"] .journey__accent::after { left: auto; right: -38px; }
[dir="rtl"] .jchip { left: auto; right: 18px; padding: 10px 10px 10px 14px; }

/* Reviews */
[dir="rtl"] .review::before { left: auto; right: -14px; }
[dir="rtl"] .review::after { left: auto; right: 18%; clip-path: polygon(0 0, 100% 0, 90% 100%); }
[dir="rtl"] .review__sample { right: auto; left: 16px; }
[dir="rtl"] .advisor--b { margin-left: 0; margin-right: 16px; }

/* Forms and calculator */
[dir="rtl"] .field__input--select select { padding: 0 16px 0 44px; }
[dir="rtl"] .field__input--select .icon { right: auto; left: 14px; }
[dir="rtl"] .phone__code { border-right: 0; border-left: 1px solid var(--line); border-radius: 0 var(--r) var(--r) 0; }
[dir="rtl"] .phone { direction: ltr; }
[dir="rtl"] .range::-webkit-slider-runnable-track { background: linear-gradient(270deg, var(--blue) var(--p), var(--line-strong) var(--p)); }
[dir="rtl"] .calc__rows dd, [dir="rtl"] .costs__row dd, [dir="rtl"] .costs__total dd { text-align: left; }
[dir="rtl"] .acc__btn { text-align: right; }
[dir="rtl"] .acc__inner > p { padding: 0 0 28px 64px; }
[dir="rtl"] .gfilter__search input { padding: 0 42px 0 16px; }
[dir="rtl"] .gfilter__icon { left: auto; right: 14px; }
[dir="rtl"] .calc__result::before { right: auto; left: -30%; }
[dir="rtl"] .enq__summary { border-left-width: 1px; border-right-width: 4px; }
[dir="rtl"] .calc__mini-label { margin-right: 0; margin-left: 6px; }
[dir="rtl"] .enq__more summary .icon { margin-left: 0; margin-right: auto; }
[dir="rtl"] .contact-bar__call .icon, [dir="rtl"] .office .icon { transform: none; }
@media (max-width: 599.98px) { [dir="rtl"] .acc__inner > p { padding-left: 0; } }
@media (max-width: 899.98px) {
  [dir="rtl"] .jstep { padding: 0 0 56px; }
  [dir="rtl"] .phero__chip { right: -4%; }
}

/* ---------- Responsive ---------- */
@media (max-width: 1180px) {
  .calc-link span { display: none; }
  .primary-nav__trigger, .primary-nav__link { padding: 0 10px; }
    }
@media (max-width: 1023.98px) {
  :root { --header-h: 64px; --utility-h: 0px; }
  .primary-nav, .calc-link, .site-header__actions .btn, .lang-switch--header { display: none; }
    .menu-toggle { display: grid; }
  .site-header__actions { margin-left: auto; }
  .brand { width: 144px; }
  .site-header.menu-open { background: var(--navy); color: var(--white); box-shadow: none; }
  .site-header.menu-open .brand__logo--dark { opacity: 1; }
  .site-header.menu-open .brand__logo--light { opacity: 0; }

  .contact-bar {
    position: fixed; z-index: 40; left: 12px; right: 12px; bottom: calc(12px + env(safe-area-inset-bottom));
    display: grid; grid-template-columns: auto 1fr; gap: 8px; padding: 8px;
    background: rgba(255,255,255,.96); border: 1px solid var(--line); border-radius: calc(var(--r) + 4px);
    box-shadow: 0 16px 40px -16px rgba(10,21,50,.45);
    backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px);
    transition: transform .35s var(--ease-out), opacity .25s;
  }
  .contact-bar.is-hidden { transform: translateY(calc(100% + 24px)); opacity: 0; pointer-events: none; }
  .contact-bar__call { display: inline-flex; align-items: center; gap: 8px; min-height: 48px; padding: 0 18px; border: 1px solid var(--line-strong); border-radius: var(--r); color: var(--navy); font-weight: 500; font-size: 15px; }
  .contact-bar__call .icon { width: 18px; height: 18px; }
  .contact-bar .btn { --h: 48px; }
  .site-footer { padding-bottom: 110px; }
}
@media (max-width: 1100px) {
  .paths__list { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .paths__list li:nth-child(2) .path { border-right: 0; }
  .paths__list li:nth-child(3) .path { padding-left: 0; }
  .paths__list li:nth-child(n+3) .path { border-top: 1px solid var(--line); }
  .reviews__list { gap: 24px; }
  .review__card { padding: 68px 20px 28px; }
  .site-footer__top { grid-template-columns: minmax(0, 1fr); }
}
@media (max-width: 899.98px) {
  .banks__head, .calc__head, .calc__grid { grid-template-columns: minmax(0, 1fr); }
  .calc__result { position: relative; top: auto; }
  .solutions__grid, .why__grid, .faq__grid, .enquire__grid { grid-template-columns: minmax(0, 1fr); }
  .solutions__intro, .faq__intro, .enquire__copy { position: static; }
  .solutions__minor { grid-column: 1; }
  .guides__head { flex-direction: column; align-items: flex-start; }
  .journey__head { grid-template-columns: minmax(0, 1fr); }
  .journey__grid { grid-template-columns: minmax(0, 1fr); }
  .journey__media { display: none; }
  .journey__steps { border-left: 0; }
  .jstep { min-height: 0; opacity: 1; padding: 0 0 56px; }
  .jstep::before { display: none; }
  .jstep__fig { display: block; position: relative; margin: 0 0 22px; border-radius: 18px; overflow: hidden; aspect-ratio: 4 / 3; }
  .jstep__fig img { width: 100%; height: 100%; object-fit: cover; }
  .reviews__list { grid-template-columns: minmax(0, 1fr); gap: 88px; max-width: 520px; margin-inline: auto; }
  .review:nth-child(2) { margin-top: 0; }
  .guides__list { grid-template-columns: minmax(0, 1fr); }
  .guide { min-height: 0; }
  .site-footer__nav { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .enquire__media { background: linear-gradient(180deg, rgba(19,37,81,.8), rgba(19,37,81,.98) 50%), url("../img/hero-wave-mobile.jpg") center top / cover no-repeat; }
  .calc__mini {
    position: fixed; z-index: 40; left: 12px; right: 12px; bottom: calc(12px + env(safe-area-inset-bottom));
    display: flex; justify-content: space-between; align-items: center; gap: 12px; padding: 12px 16px;
    background: var(--navy); color: var(--white); border-radius: calc(var(--r) + 4px);
    box-shadow: 0 16px 40px -16px rgba(10,21,50,.55); font-variant-numeric: tabular-nums;
    transform: translateY(calc(100% + 24px)); opacity: 0; pointer-events: none;
    transition: transform .35s var(--ease-out), opacity .25s;
  }
  .calc__mini.is-visible { transform: none; opacity: 1; pointer-events: auto; }
  .calc__mini-label { font-size: 12px; letter-spacing: .1em; text-transform: uppercase; color: var(--on-dark-2); margin-right: 6px; }
  .calc__mini strong { font-size: 17px; font-weight: 500; }
  .calc__mini a { color: var(--sky); font-size: 14px; min-height: 36px; display: inline-flex; align-items: center; white-space: nowrap; }
  .calc__mini > span { white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
  .banks__head { gap: 20px; }
  .banks__aside { flex-direction: row; align-items: flex-end; justify-content: space-between; gap: 20px; }
  .calc__head { gap: 16px; }
}
@media (max-width: 599.98px) {
  body { font-size: 16px; }
  .hero:not(.is-story) .hero__visual { height: 420px; }
  .float--c { min-width: 0; }
  .float__big { font-size: 26px; }
  .hero__ctas .btn { width: 100%; }
  .hero:not(.is-story) .chapter--1 { min-height: calc(100svh - var(--header-h) - 48px - 176px); }
  .hero:not(.is-story) .hero__ctas { margin-top: 28px; gap: 10px; }
  .chapter__facts li:last-child { border-bottom: 0; }
  .chapter__facts { grid-template-columns: 1fr; }
  .chapter__facts li, .chapter__facts li + li { padding: 16px 0; border-left: 0; border-bottom: 1px solid var(--on-dark-line); }
  .chapter__facts li { display: flex; gap: 16px; align-items: baseline; }
  .chapter__facts li::before { margin: 0; }
  .banks__aside { flex-direction: column; align-items: flex-start; }
  .field__pair { grid-template-columns: minmax(0, 1fr); gap: 30px; }
  .field__split { grid-template-columns: minmax(0, 1fr) 92px; }
  .tabs__tab { font-size: 13.5px; padding: 0 2px; letter-spacing: -.005em; }
  .calc__panel { padding: 20px 18px 28px; }
  .paths__list { grid-template-columns: minmax(0, 1fr); }
  .path, .paths__list li + li .path, .paths__list li:nth-child(3) .path { min-height: 0; padding: 22px 0; border-right: 0; }
  .paths__list li + li .path { border-top: 1px solid var(--line); }
  .path__title { margin-top: 12px; }
  .jstep__note { grid-template-columns: minmax(0, 1fr); }
  .jstep__note > div + div { border-left: 0; border-top: 1px solid var(--line); }
  .social-bar { flex-direction: column; align-items: flex-start; }
  .social { padding: 0; width: 56px; height: 56px; justify-content: center; }
  .social .icon { width: 40px; height: 40px; padding: 10px; }
  .social__name { position: absolute; width: 1px; height: 1px; overflow: hidden; clip-path: inset(50%); white-space: nowrap; }
  .phone__code select { padding: 0 26px 0 10px; font-size: 14px; }
  .advisor--b { margin-top: 40px; margin-left: 10px; }
  .advisors__cta { grid-column: 1 / -1; margin-top: 24px; }
  .acc__inner > p { padding-right: 0; }
  .enq__row { grid-template-columns: minmax(0, 1fr); }
  .costs__group { padding: 4px 14px; }
  .costs__total { padding: 14px; }
  .costs__based { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); }
  .site-footer__nav { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 28px 20px; }
}

@media (max-width: 374.98px) {
  .calc__mini-label { display: none; }
  .calc__mini strong { font-size: 15px; }
}

@media (prefers-reduced-motion: reduce) {
  .hero:not(.is-story) .float { opacity: 1; transform: none; }
  *, *::before, *::after { animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; scroll-behavior: auto !important; }
  .reveal { opacity: 1; transform: none; }
}