:root {
  --black: #081a33;
  --charcoal: #162742;
  --gold: #c8a46b;
  --gold-dark: #b38b4f;
  --gold-soft: #f1dfbf;
  --white: #f8fbff;
  --paper: #eef2f8;
  --silver: #d9dee8;
  --silver-dark: #b7bfcd;
  --line: rgba(200, 164, 107, 0.34);
  --muted: #657389;
  --shadow: 0 22px 55px rgba(8, 26, 51, 0.18);
  --shadow-soft: 0 18px 40px rgba(8, 26, 51, 0.12);
  --radius-sm: 14px;
  --radius-md: 22px;
  --radius-lg: 30px;
  --utility-bar-offset: 52px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--black);
  background: linear-gradient(180deg, #f8fbff 0%, #f0f4fa 100%);
  font-family: "Inter", Arial, sans-serif;
  line-height: 1.6;
}

img {
  display: block;
  max-width: 100%;
}

a {
  color: inherit;
}

.utility-bar {
  position: sticky;
  top: 0;
  z-index: 30;
  display: flex;
  justify-content: flex-end;
  gap: clamp(16px, 3vw, 32px);
  padding: 10px clamp(18px, 4vw, 64px);
  color: var(--black);
  background: #ffffff;
  border-bottom: 1px solid rgba(200, 164, 107, 0.22);
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.3px;
  white-space: nowrap;
}

.utility-bar a {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  text-decoration: none;
  transition: all 200ms cubic-bezier(0.4, 0, 0.2, 1);
}

.utility-icon {
  display: inline-grid;
  place-items: center;
  width: 22px;
  height: 22px;
  color: var(--white);
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-dark) 100%);
  border-radius: 50%;
  font-size: 0.7rem;
  font-weight: 700;
  line-height: 1;
  transition: transform 200ms cubic-bezier(0.4, 0, 0.2, 1);
}

.utility-bar a:hover {
  color: var(--gold);
}

.utility-bar a:hover .utility-icon {
  transform: scale(1.15);
}

.utility-bar a:focus-visible {
  color: var(--gold);
  outline: 2px solid var(--gold);
  outline-offset: 4px;
}

.site-header {
  position: sticky;
  top: var(--utility-bar-offset);
  z-index: 20;
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto minmax(0, 1fr);
  align-items: center;
  min-height: 80px;
  padding: 16px clamp(18px, 4vw, 64px);
  background: linear-gradient(180deg, rgba(6, 18, 42, 0.98) 0%, rgba(6, 18, 42, 0.96) 100%);
  border-bottom: 1px solid rgba(200, 164, 107, 0.16);
  backdrop-filter: blur(20px);
  transition: min-height 220ms cubic-bezier(0.4, 0, 0.2, 1), 
              padding 220ms cubic-bezier(0.4, 0, 0.2, 1),
              background 220ms cubic-bezier(0.4, 0, 0.2, 1),
              box-shadow 220ms cubic-bezier(0.4, 0, 0.2, 1),
              top 220ms cubic-bezier(0.4, 0, 0.2, 1);
}

.brand {
  grid-column: 1;
  justify-self: start;
  position: relative;
  display: grid;
  place-items: center;
  width: clamp(100px, 8.5vw, 128px);
  min-height: 36px;
  height: auto;
  padding: 0;
  background: transparent;
  border: 0;
  overflow: hidden;
  text-decoration: none;
  transition: width 220ms cubic-bezier(0.4, 0, 0.2, 1),
              min-height 220ms cubic-bezier(0.4, 0, 0.2, 1),
              opacity 220ms cubic-bezier(0.4, 0, 0.2, 1);
}

.brand img {
  width: 100%;
  max-width: none;
  max-height: none;
  height: 100%;
  object-fit: contain;
  object-position: center;
  transition: transform 300ms cubic-bezier(0.4, 0, 0.2, 1);
}

.brand:hover img {
  transform: scale(1.05);
}

body.is-scrolled .site-header {
  top: var(--utility-bar-offset);
  min-height: 72px;
  padding: 12px clamp(18px, 4vw, 48px);
  background: linear-gradient(180deg, rgba(6, 18, 42, 0.99) 0%, rgba(6, 18, 42, 0.97) 100%);
  box-shadow: 0 10px 30px rgba(8, 26, 51, 0.2);
}

body.is-scrolled .brand {
  width: clamp(92px, 7.75vw, 116px);
  min-height: 32px;
}

.site-nav {
  grid-column: 2;
  justify-self: center;
  display: flex;
  gap: clamp(20px, 3vw, 36px);
  align-items: center;
  color: var(--gold);
  font-weight: 600;
  font-size: clamp(0.8rem, 0.95vw, 0.88rem);
  text-transform: uppercase;
  letter-spacing: 0.3px;
  white-space: nowrap;
}

.site-nav a,
.nav-item > a {
  position: relative;
  padding: 8px 4px;
  text-decoration: none;
  transition: color 200ms cubic-bezier(0.4, 0, 0.2, 1);
}

.site-nav a::after,
.nav-item > a::after {
  position: absolute;
  left: 50%;
  bottom: -6px;
  width: 0;
  height: 2px;
  content: "";
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
  transform: translateX(-50%);
  transition: width 250ms cubic-bezier(0.4, 0, 0.2, 1);
}

.site-nav a:hover::after,
.site-nav a:focus-visible::after,
.nav-item > a:hover::after,
.nav-item > a:focus-visible::after {
  width: 100%;
}

.site-nav a:hover,
.site-nav a:focus-visible,
.nav-item > a:hover,
.nav-item > a:focus-visible {
  color: var(--gold-soft);
}

.nav-item {
  position: relative;
  white-space: nowrap;
}

.has-dropdown > a {
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.has-dropdown > a::before {
  content: "";
  width: 4px;
  height: 4px;
  background: currentColor;
  border-radius: 50%;
  transition: transform 200ms cubic-bezier(0.4, 0, 0.2, 1);
}

.has-dropdown:hover > a::before,
.has-dropdown:focus-within > a::before,
.has-dropdown.is-open > a::before {
  transform: none;
}

.nav-dropdown {
  position: absolute;
  top: calc(100% + 12px);
  left: 50%;
  z-index: 30;
  display: grid;
  min-width: 280px;
  gap: 8px;
  padding: 16px;
  background: rgba(6, 18, 42, 0.98);
  border: 1px solid rgba(200, 164, 107, 0.18);
  border-radius: 18px;
  box-shadow: 0 16px 48px rgba(8, 26, 51, 0.3);
  opacity: 0;
  pointer-events: none;
  transform: translate(-50%, 10px);
  backdrop-filter: blur(20px);
  transition: opacity 220ms cubic-bezier(0.4, 0, 0.2, 1),
              transform 220ms cubic-bezier(0.4, 0, 0.2, 1);
}

.has-dropdown:hover .nav-dropdown,
.has-dropdown:focus-within .nav-dropdown,
.has-dropdown.is-open .nav-dropdown {
  opacity: 1;
  pointer-events: auto;
  transform: translate(-50%, 0);
}

.nav-dropdown a {
  min-height: 44px;
  padding: 12px 14px;
  color: var(--gold-soft);
  background: rgba(200, 164, 107, 0.04);
  border: 1px solid rgba(200, 164, 107, 0.12);
  border-radius: 12px;
  font-size: 0.88rem;
  font-weight: 600;
  text-transform: none;
  letter-spacing: 0;
  white-space: nowrap;
  transition: all 200ms cubic-bezier(0.4, 0, 0.2, 1);
  text-decoration: none;
}

.nav-dropdown a::after {
  display: none;
}

.nav-dropdown a:hover,
.nav-dropdown a:focus-visible {
  background: linear-gradient(135deg, rgba(200, 164, 107, 0.2), rgba(200, 164, 107, 0.12));
  color: var(--gold);
  border-color: rgba(200, 164, 107, 0.36);
  transform: translateX(4px);
}

.nav-toggle {
  grid-column: 3;
  justify-self: end;
  display: none;
  width: 48px;
  height: 48px;
  padding: 0;
  background: transparent;
  border: 2px solid rgba(200, 164, 107, 0.4);
  border-radius: 12px;
  cursor: pointer;
  transition: all 200ms cubic-bezier(0.4, 0, 0.2, 1);
}

.nav-toggle:hover {
  border-color: var(--gold);
  background: rgba(200, 164, 107, 0.08);
}

.nav-toggle span {
  display: block;
  width: 20px;
  height: 2px;
  margin: 6px auto;
  background: var(--gold);
  border-radius: 2px;
  transition: all 250ms cubic-bezier(0.4, 0, 0.2, 1);
}

.nav-toggle.is-open span:nth-child(1) {
  transform: rotate(45deg) translate(8px, 8px);
}

.nav-toggle.is-open span:nth-child(2) {
  opacity: 0;
}

.nav-toggle.is-open span:nth-child(3) {
  transform: rotate(-45deg) translate(7px, -7px);
}

.hero {
  position: relative;
  min-height: calc(100vh - 176px);
  display: flex;
  align-items: flex-start;
  overflow: hidden;
  background: var(--black);
}

.hero-image,
.hero-overlay {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
}

.hero-image {
  object-fit: cover;
}

.hero-overlay {
  background: linear-gradient(90deg, rgba(248, 251, 255, 0.96) 0%, rgba(240, 244, 250, 0.9) 38%, rgba(217, 222, 232, 0.5) 66%, rgba(8, 26, 51, 0.18) 100%);
}

.hero-content {
  position: relative;
  z-index: 2;
  width: min(720px, calc(100% - 36px));
  margin-left: clamp(18px, 7vw, 96px);
  padding: clamp(20px, 4vw, 42px) 0 clamp(44px, 8vw, 82px);
}

.eyebrow {
  margin: 0 0 14px;
  color: var(--gold-dark);
  font-size: clamp(1rem, 1.6vw, 1.18rem);
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0;
}

h1,
h2,
h3 {
  margin: 0;
  color: var(--black);
  line-height: 1.05;
}

h1,
h2 {
  font-family: "Playfair Display", Georgia, serif;
}

h1 {
  max-width: 680px;
  font-size: clamp(3.1rem, 8vw, 6.4rem);
}

h2 {
  max-width: 850px;
  font-size: clamp(2.15rem, 4.5vw, 4.15rem);
}

h3 {
  font-size: 1.15rem;
}

.hero-copy {
  max-width: 580px;
  margin: 24px 0 0;
  color: #20314d;
  font-size: clamp(1.05rem, 2vw, 1.28rem);
}

.hero-actions,
.contact-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 30px;
}

.top-summary {
  padding: 22px clamp(18px, 6vw, 90px);
  color: var(--white);
  background: linear-gradient(135deg, #081a33 0%, #10284e 100%);
  border-block: 1px solid var(--gold);
  text-align: center;
}

.top-summary p {
  max-width: 980px;
  margin: 0 auto;
  font-size: clamp(1.04rem, 2vw, 1.35rem);
  font-weight: 700;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 48px;
  padding: 13px 22px;
  border: 1px solid rgba(200, 164, 107, 0.38);
  border-radius: 999px;
  font-weight: 800;
  text-decoration: none;
  cursor: pointer;
  box-shadow: var(--shadow-soft);
  transition: transform 180ms ease, box-shadow 180ms ease, background 180ms ease, border-color 180ms ease;
}

.button:hover,
.button:focus-visible {
  transform: translateY(-2px) scale(1.01);
  box-shadow: 0 18px 30px rgba(8, 26, 51, 0.16);
}

.button-primary {
  color: var(--white);
  background: linear-gradient(135deg, #081a33 0%, #143158 58%, #1d4b7b 100%);
}

.button-secondary {
  color: var(--black);
  background: linear-gradient(135deg, #ffffff 0%, #eef2f8 100%);
}

.button-whatsapp {
  color: var(--white);
  background: linear-gradient(135deg, #0d8f55 0%, #25d366 100%);
  border-color: rgba(37, 211, 102, 0.65);
}

.button-whatsapp::before,
.floating-whatsapp::before {
  width: 20px;
  height: 20px;
  content: "";
  background: currentColor;
  mask-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 32 32'%3E%3Cpath fill='black' d='M19.11 17.2c-.28-.14-1.65-.82-1.91-.91-.26-.1-.45-.14-.65.14-.19.28-.74.91-.9 1.1-.17.19-.34.21-.62.07-.28-.14-1.18-.43-2.24-1.37-.83-.74-1.39-1.65-1.55-1.93-.17-.28-.02-.43.12-.57.12-.12.28-.31.41-.46.14-.15.19-.26.29-.43.1-.17.05-.33-.02-.46-.07-.14-.65-1.56-.89-2.13-.24-.58-.48-.5-.65-.51h-.55c-.19 0-.5.07-.77.36-.26.28-1 1-.97 2.44.02 1.44 1.05 2.83 1.2 3.03.14.19 2.06 3.14 4.98 4.4.69.3 1.24.48 1.66.61.7.22 1.34.19 1.84.12.56-.08 1.65-.67 1.88-1.32.24-.65.24-1.21.17-1.32-.07-.12-.26-.19-.55-.33Z'/%3E%3Cpath fill='black' d='M27.14 4.86A15.87 15.87 0 0 0 16.02.2C7.31.2.22 7.3.22 16c0 2.77.72 5.47 2.1 7.86L0 32l8.39-2.2A15.8 15.8 0 0 0 16.01 31.8h.01c8.7 0 15.79-7.1 15.79-15.8 0-4.22-1.64-8.18-4.67-11.14Zm-11.12 24.3h-.01a13.2 13.2 0 0 1-6.73-1.84l-.48-.28-4.98 1.3 1.33-4.86-.31-.5a13.11 13.11 0 0 1-2.03-6.98C2.82 8.77 8.79 2.8 16 2.8c3.53 0 6.84 1.37 9.34 3.86a13.12 13.12 0 0 1 3.87 9.34c0 7.22-5.98 13.16-13.19 13.16Z'/%3E%3C/svg%3E");
  mask-repeat: no-repeat;
  mask-position: center;
  mask-size: contain;
}

.button-whatsapp::before {
  flex: 0 0 auto;
}

.section {
  width: min(1180px, calc(100% - 36px));
  margin: 0 auto;
  padding: clamp(68px, 9vw, 118px) 0;
}

.section-heading {
  display: grid;
  gap: 8px;
  margin-bottom: 36px;
}

.intro-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 24px;
  font-size: 1.08rem;
}

.intro-grid-single {
  grid-template-columns: 1fr;
}

.intro-grid p {
  margin: 0;
  padding: 28px;
  border: 1px solid var(--line);
  background: linear-gradient(180deg, rgba(248, 251, 255, 0.95), rgba(238, 242, 248, 0.95));
}

.trading-style {
  display: grid;
  grid-template-columns: 180px minmax(0, 1fr);
  gap: 24px;
  align-items: center;
  margin-top: 26px;
  padding: 24px;
  border: 1px solid var(--gold);
  background: linear-gradient(180deg, rgba(248, 251, 255, 0.98), rgba(238, 242, 248, 0.98));
  box-shadow: 0 16px 38px rgba(8, 26, 51, 0.08);
}

.trading-style img {
  width: 100%;
  max-height: 95px;
  object-fit: contain;
}

.trading-style p {
  margin: 10px 0 0;
  color: var(--muted);
}

.visual-strip {
  display: block;
  width: 100%;
  min-height: 380px;
  border-block: 1px solid rgba(200, 164, 107, 0.32);
}

.visual-tile {
  display: flex;
  align-items: flex-end;
  width: 100%;
  min-height: 380px;
  padding: 22px;
  overflow: hidden;
  background-image: linear-gradient(180deg, rgba(8, 26, 51, 0.16), rgba(8, 26, 51, 0.72)), url("assets/mortgage-finance-imagery.png");
  background-size: cover;
}

.visual-keys {
  background-position: left center;
}

.visual-tile span {
  padding: 8px 12px;
  color: var(--white);
  background: rgba(8, 26, 51, 0.9);
  border: 1px solid var(--gold);
  font-size: clamp(1rem, 3vw, 2rem);
  font-weight: 800;
  white-space: nowrap;
}

.services-section {
  border-top: 1px solid rgba(202, 164, 93, 0.32);
}

.service-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 18px;
}

.tab {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 10px 18px;
  color: var(--black);
  background: linear-gradient(180deg, rgba(248, 251, 255, 1), rgba(238, 242, 248, 1));
  border: 1px solid var(--line);
  font-weight: 800;
  cursor: pointer;
  text-decoration: none;
}

.tab.is-active {
  color: var(--white);
  background: linear-gradient(135deg, #081a33 0%, #143158 100%);
  border-color: var(--gold);
}

.tab-link {
  cursor: pointer;
}

.service-panel {
  display: none;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.service-panel.is-active {
  display: grid;
}

.service-card {
  min-height: 210px;
  padding: 26px;
  border: 1px solid var(--line);
  border-top: 4px solid var(--gold);
  background: linear-gradient(180deg, rgba(248, 251, 255, 1), rgba(238, 242, 248, 0.96));
  box-shadow: 0 12px 30px rgba(8, 26, 51, 0.08);
}

.service-card p {
  margin: 14px 0 0;
  color: var(--muted);
}

.text-link {
  display: inline-flex;
  margin-top: 18px;
  color: var(--gold-dark);
  font-weight: 800;
  text-decoration: none;
}

.text-link:hover,
.text-link:focus-visible {
  color: var(--black);
}

.service-detail {
  margin-top: 22px;
  padding: clamp(24px, 4vw, 34px);
  border: 1px solid var(--line);
  border-left: 5px solid var(--gold);
  background: linear-gradient(180deg, rgba(248, 251, 255, 0.95), rgba(238, 242, 248, 0.95));
}

.service-detail p {
  max-width: 940px;
  margin: 14px 0 0;
  color: var(--charcoal);
  font-size: 1.06rem;
}

.calculator-cta {
  display: flex;
  justify-content: center;
  padding: 34px 18px;
  background: var(--white);
  border-top: 1px solid rgba(202, 164, 93, 0.32);
}

.calculator-band {
  background: linear-gradient(135deg, #081a33 0%, #10284e 100%);
}

.calculator-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.82fr) minmax(360px, 1.18fr);
  gap: clamp(26px, 5vw, 74px);
  align-items: center;
}

.calculator-copy h2,
.calculator-copy p:not(.eyebrow) {
  color: var(--white);
}

.calculator-copy .eyebrow {
  color: var(--gold);
}

.calculator-stack {
  display: grid;
  gap: 18px;
}

.calculator {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
  padding: clamp(22px, 4vw, 34px);
  background: linear-gradient(180deg, rgba(248, 251, 255, 1), rgba(238, 242, 248, 0.98));
  border: 1px solid var(--gold);
  box-shadow: var(--shadow);
}

.calculator h3 {
  grid-column: 1 / -1;
  padding-bottom: 4px;
  border-bottom: 1px solid var(--line);
}

label {
  display: grid;
  gap: 8px;
  color: var(--charcoal);
  font-weight: 800;
}

input,
select,
textarea {
  width: 100%;
  min-height: 48px;
  padding: 12px 14px;
  color: var(--black);
  background: rgba(255, 255, 255, 0.92);
  border: 1px solid rgba(8, 26, 51, 0.18);
  border-radius: var(--radius-sm);
  font: inherit;
}

input[type="checkbox"] {
  width: 20px;
  min-height: 20px;
  accent-color: var(--gold-dark);
}

.checkbox-label {
  grid-template-columns: 22px minmax(0, 1fr);
  align-items: center;
  align-self: end;
  min-height: 48px;
}

textarea {
  resize: vertical;
}

.input-shell {
  display: flex;
  align-items: center;
  min-height: 48px;
  border: 1px solid rgba(8, 26, 51, 0.18);
  background: rgba(255, 255, 255, 0.92);
  border-radius: var(--radius-sm);
  overflow: hidden;
}

.input-shell span {
  padding: 0 12px;
  color: var(--muted);
  font-weight: 800;
  white-space: nowrap;
}

.input-shell input {
  min-height: 46px;
  border: 0;
}

.calculator-result {
  grid-column: 1 / -1;
  padding: 24px;
  color: var(--white);
  background: linear-gradient(135deg, #081a33 0%, #143158 100%);
  border: 1px solid var(--gold);
  font-size: clamp(1.7rem, 4vw, 2.8rem);
  font-weight: 800;
  text-align: center;
}

.stamp-calculator .calculator-result {
  background: linear-gradient(135deg, #24334d 0%, #6b5940 100%);
}

.about-section {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: 0;
  align-items: start;
}

.about-copy p:not(.eyebrow) {
  color: var(--charcoal);
  font-size: 1.03rem;
}

.company-details {
  margin-top: 30px;
  padding: 24px 26px;
  border: 1px solid var(--line);
  border-left: 4px solid var(--gold);
  background: linear-gradient(180deg, rgba(248, 251, 255, 0.98), rgba(238, 242, 248, 0.96));
}

.company-details p {
  margin: 0 0 10px;
}

.company-details p:last-child {
  margin-bottom: 0;
}

.company-details a {
  color: var(--black);
  text-decoration: none;
}

.company-details a:hover,
.company-details a:focus-visible {
  color: var(--gold-dark);
}

.contact-section {
  background: linear-gradient(180deg, rgba(238, 242, 248, 0.88), rgba(248, 251, 255, 0.98));
  border-top: 1px solid rgba(202, 164, 93, 0.32);
}

.contact-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.8fr) minmax(320px, 1fr);
  gap: clamp(28px, 6vw, 74px);
}

.contact-form {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
  padding: clamp(22px, 4vw, 34px);
  background: linear-gradient(180deg, rgba(248, 251, 255, 0.98), rgba(238, 242, 248, 0.96));
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  box-shadow: 0 18px 44px rgba(8, 26, 51, 0.08);
}

.form-title {
  padding-bottom: 10px;
  border-bottom: 1px solid var(--line);
}

.wide {
  grid-column: 1 / -1;
}

.hidden-botcheck {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  opacity: 0;
  pointer-events: none;
}

.form-note {
  margin: 0;
  color: var(--muted);
  font-size: 0.86rem;
}

.site-footer {
  display: grid;
  gap: 28px;
  justify-items: center;
  padding: 48px 18px;
  color: rgba(217, 222, 232, 0.9);
  background: linear-gradient(135deg, #061427 0%, #081a33 100%);
  text-align: center;
}

.site-footer img {
  border: 0;
}

.footer-social-banner {
  display: grid;
  grid-template-columns: minmax(170px, 260px) minmax(220px, 300px);
  gap: clamp(16px, 3vw, 34px);
  align-items: center;
  justify-content: center;
  width: min(860px, 96vw);
}

.footer-banner {
  grid-column: 2;
  width: min(100%, 300px);
  aspect-ratio: 1 / 1;
  object-fit: contain;
  object-position: center;
  background: #06122A;
  justify-self: center;
  padding: 22px;
  border: 1px solid rgba(200, 164, 107, 0.28);
}

.social-links {
  display: flex;
  flex-direction: column;
  gap: 12px;
  align-items: stretch;
  justify-content: center;
  grid-column: 1;
}

.social-links a {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  min-height: 44px;
  padding: 10px 14px;
  color: var(--white);
  background: rgba(8, 26, 51, 0.84);
  border: 1px solid var(--gold);
  font-weight: 800;
  text-decoration: none;
}

.social-links span {
  display: inline-grid;
  place-items: center;
  width: 24px;
  height: 24px;
  color: var(--black);
  background: linear-gradient(135deg, var(--silver) 0%, var(--gold) 100%);
  font-weight: 900;
}

.social-links span svg {
  width: 14px;
  height: 14px;
  fill: currentColor;
}

.site-footer p {
  max-width: 820px;
  margin: 0;
}

.footer-trading {
  width: min(980px, calc(100% - 24px));
  color: var(--silver);
  text-align: left;
}

.footer-sitemap {
  width: min(1120px, calc(100% - 24px));
  padding: clamp(22px, 4vw, 34px);
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.04), rgba(255, 255, 255, 0.02));
  border: 1px solid rgba(200, 164, 107, 0.2);
  border-radius: var(--radius-md);
  text-align: left;
}

.footer-sitemap h2 {
  margin-bottom: 22px;
  color: var(--white);
  font-size: clamp(1.5rem, 3vw, 2.2rem);
}

.footer-sitemap-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
}

.footer-sitemap-group {
  display: grid;
  gap: 10px;
}

.footer-sitemap-group h3 {
  color: var(--gold-soft);
  font-size: 1rem;
}

.footer-sitemap-group a {
  color: rgba(217, 222, 232, 0.9);
  text-decoration: none;
}

.footer-sitemap-group a:hover,
.footer-sitemap-group a:focus-visible {
  color: var(--white);
}

.footer-sitemap-note {
  margin-top: 18px;
  color: rgba(217, 222, 232, 0.72);
  font-size: 0.92rem;
}

.subpage-hero {
  display: grid;
  align-items: center;
  min-height: 560px;
  padding: clamp(70px, 10vw, 120px) clamp(18px, 7vw, 96px);
  background:
    linear-gradient(90deg, rgba(248, 251, 255, 0.96), rgba(238, 242, 248, 0.82), rgba(217, 222, 232, 0.4)),
    url("assets/mortgage-finance-imagery.png") center / cover;
}

.subpage-hero > div {
  max-width: 760px;
}

.subpage-hero p:not(.eyebrow) {
  max-width: 640px;
  font-size: 1.18rem;
}

.mortgage-page-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.feature-section {
  display: grid;
  grid-template-columns: minmax(0, 0.92fr) minmax(320px, 1.08fr);
  gap: clamp(26px, 5vw, 64px);
  align-items: center;
}

.feature-copy p:not(.eyebrow) {
  color: var(--charcoal);
  font-size: 1.06rem;
}

.feature-image {
  width: 100%;
  aspect-ratio: 4 / 3;
  object-fit: cover;
  border: 1px solid var(--gold);
  box-shadow: var(--shadow);
}

.feature-image.logo-image {
  object-fit: contain;
  padding: clamp(24px, 6vw, 70px);
  background: linear-gradient(180deg, rgba(248, 251, 255, 1), rgba(238, 242, 248, 0.95));
}

.blog-article {
  background:
    linear-gradient(180deg, rgba(248, 251, 255, 0.9), rgba(238, 242, 248, 0.98)),
    url("assets/hero-property-finance.png");
  background-attachment: fixed;
  background-position: center;
  background-size: cover;
}

.blog-hero {
  max-width: 1180px;
  margin: 0 auto;
  padding: clamp(54px, 8vw, 108px) clamp(24px, 5vw, 64px) clamp(34px, 5vw, 64px);
}

.blog-hero h1 {
  max-width: 1030px;
  margin: 0;
  font-family: "Playfair Display", Georgia, serif;
  font-size: clamp(3rem, 8vw, 6.8rem);
  line-height: 0.95;
}

.blog-hero > p:not(.eyebrow) {
  max-width: 920px;
  margin-top: 28px;
  color: var(--charcoal);
  font-size: clamp(1.1rem, 2vw, 1.45rem);
}

.blog-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 30px;
}

.blog-meta span {
  padding: 9px 12px;
  color: var(--white);
  background: linear-gradient(135deg, #081a33 0%, #143158 100%);
  border: 1px solid var(--gold);
  font-size: 0.82rem;
  font-weight: 800;
  text-transform: uppercase;
}

.blog-layout {
  display: grid;
  grid-template-columns: minmax(210px, 260px) minmax(0, 1fr);
  gap: clamp(24px, 5vw, 64px);
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 clamp(24px, 5vw, 64px) clamp(64px, 9vw, 120px);
}

.blog-toc {
  position: sticky;
  top: 92px;
  align-self: start;
  padding: 22px;
  background: linear-gradient(180deg, #081a33 0%, #10284e 100%);
  border-top: 5px solid var(--gold);
  color: var(--white);
}

.blog-toc h2 {
  margin: 0 0 14px;
  font-size: 1rem;
  text-transform: uppercase;
}

.blog-toc a {
  display: block;
  padding: 11px 0;
  border-top: 1px solid rgba(200, 164, 107, 0.28);
  color: var(--white);
  font-weight: 700;
  text-decoration: none;
}

.blog-content {
  display: grid;
  gap: 22px;
}

.blog-content section {
  padding: clamp(24px, 4vw, 44px);
  background: rgba(248, 251, 255, 0.94);
  border: 1px solid var(--line);
  box-shadow: 0 16px 42px rgba(8, 26, 51, 0.08);
}

.blog-content h2 {
  margin: 0 0 16px;
  font-family: "Playfair Display", Georgia, serif;
  font-size: clamp(2rem, 4vw, 3.8rem);
  line-height: 1;
}

.blog-content h3 {
  margin: 0 0 9px;
  font-size: 1.05rem;
}

.blog-content p,
.blog-list {
  color: var(--charcoal);
  font-size: 1.05rem;
}

.blog-highlight {
  margin: 24px 0 0;
  padding: 20px 22px;
  color: var(--white);
  background: linear-gradient(135deg, #081a33 0%, #143158 100%);
  border-left: 6px solid var(--gold);
  font-size: 1.12rem;
}

.source-note {
  margin-bottom: 0;
  color: var(--muted);
  font-size: 0.88rem;
}

.route-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
  margin-top: 22px;
}

.route-grid > div {
  min-height: 178px;
  padding: 20px;
  background: var(--paper);
  border: 1px solid var(--line);
  border-top: 4px solid var(--gold);
}

.blog-list {
  display: grid;
  gap: 12px;
  margin: 0;
  padding-left: 20px;
}

.funding-checklist {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 22px;
}

.funding-checklist span {
  padding: 10px 12px;
  border: 1px solid var(--gold);
  background: linear-gradient(135deg, #081a33 0%, #143158 100%);
  color: var(--white);
  font-weight: 800;
}

.blog-content section.blog-cta,
.blog-cta {
  margin-top: 28px;
  padding: clamp(22px, 4vw, 34px);
  color: var(--white);
  background: linear-gradient(135deg, #081a33 0%, #143158 100%);
  border: 1px solid var(--gold);
}

.blog-content section.blog-cta {
  border-top: 5px solid var(--gold);
}

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

.blog-cta p {
  color: rgba(255, 255, 255, 0.82);
}

.faq-section details {
  margin-top: 14px;
  border: 1px solid var(--line);
  background: var(--paper);
}

.faq-section summary {
  cursor: pointer;
  padding: 18px 20px;
  color: var(--black);
  font-weight: 800;
}

.faq-section details[open] summary {
  border-bottom: 1px solid var(--line);
}

.faq-section details p {
  margin: 0;
  padding: 18px 20px 20px;
}

.floating-whatsapp {
  position: fixed;
  right: 18px;
  bottom: 18px;
  z-index: 25;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 64px;
  height: 64px;
  min-height: 64px;
  padding: 0;
  color: var(--white);
  background: linear-gradient(135deg, #0d8f55 0%, #25d366 100%);
  border: 1px solid rgba(255, 255, 255, 0.45);
  border-radius: 50%;
  box-shadow: 0 18px 34px rgba(8, 26, 51, 0.28);
  font-size: 0;
  font-weight: 800;
  text-decoration: none;
}

.floating-whatsapp::before {
  width: 28px;
  height: 28px;
}

.cookie-banner {
  position: fixed;
  right: 18px;
  bottom: 96px;
  z-index: 26;
  width: min(430px, calc(100vw - 36px));
  padding: 20px 20px 18px;
  color: var(--white);
  background: rgba(6, 18, 42, 0.96);
  border: 1px solid rgba(200, 164, 107, 0.4);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow);
  backdrop-filter: blur(16px);
}

.cookie-banner[hidden] {
  display: none;
}

.cookie-banner h2 {
  margin-bottom: 10px;
  color: var(--white);
  font-size: 1.25rem;
}

.cookie-banner p {
  margin: 0;
  color: rgba(248, 251, 255, 0.82);
  font-size: 0.95rem;
}

.cookie-banner-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 16px;
}

.cookie-banner .button {
  min-height: 44px;
}

/* Scrollbar styling for mobile menu */
.site-nav::-webkit-scrollbar {
  width: 6px;
}

.site-nav::-webkit-scrollbar-track {
  background: rgba(200, 164, 107, 0.05);
  border-radius: 10px;
}

.site-nav::-webkit-scrollbar-thumb {
  background: rgba(200, 164, 107, 0.3);
  border-radius: 10px;
  transition: background 200ms ease;
}

.site-nav::-webkit-scrollbar-thumb:hover {
  background: rgba(200, 164, 107, 0.5);
}

@media (max-width: 860px) {
  .utility-bar {
    justify-content: center;
    font-size: 0.75rem;
    gap: clamp(12px, 2vw, 20px);
    padding: 10px clamp(14px, 3vw, 20px);
  }

  .site-header {
    grid-template-columns: minmax(0, 1fr) auto;
    min-height: 72px;
    padding: 14px 18px;
  }

  .nav-toggle {
    display: flex;
    align-items: center;
    justify-content: center;
  }

  .site-nav {
    grid-column: 1 / -1;
    position: absolute;
    top: calc(100% + 12px);
    right: 16px;
    left: 16px;
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 2px;
    padding: 16px;
    max-height: calc(100vh - 140px);
    overflow-y: auto;
    background: linear-gradient(135deg, rgba(248, 251, 255, 0.99) 0%, rgba(240, 244, 250, 0.98) 100%);
    border: 1px solid rgba(200, 164, 107, 0.2);
    border-radius: 18px;
    box-shadow: 0 16px 48px rgba(8, 26, 51, 0.2);
    backdrop-filter: blur(12px);
  }

  .site-nav.is-open {
    display: flex;
    animation: slideDown 250ms cubic-bezier(0.4, 0, 0.2, 1);
  }

  @keyframes slideDown {
    from {
      opacity: 0;
      transform: translateY(-12px);
    }
    to {
      opacity: 1;
      transform: translateY(0);
    }
  }

  .site-nav > a {
    padding: 14px 16px;
    color: var(--charcoal);
    font-size: 0.8rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.4px;
    border-radius: 12px;
    background: transparent;
    transition: all 220ms cubic-bezier(0.4, 0, 0.2, 1);
  }

  .site-nav > a::after {
    display: none;
  }

  .site-nav > a:hover,
  .site-nav > a:focus-visible {
    background: linear-gradient(135deg, rgba(200, 164, 107, 0.15), rgba(200, 164, 107, 0.08));
    color: var(--gold-dark);
  }

  .nav-item > a {
    display: block;
    padding: 14px 16px;
    color: var(--charcoal);
    font-size: 0.8rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.4px;
    border-radius: 12px;
    background: transparent;
    transition: all 220ms cubic-bezier(0.4, 0, 0.2, 1);
  }

  .nav-item > a:hover,
  .nav-item > a:focus-visible {
    background: linear-gradient(135deg, rgba(200, 164, 107, 0.15), rgba(200, 164, 107, 0.08));
    color: var(--gold-dark);
  }

  .nav-dropdown {
    position: static;
    min-width: 0;
    gap: 6px;
    padding: 8px 0 4px 32px;
    margin: 4px 0 0;
    border-top: 1px solid rgba(200, 164, 107, 0.1);
    background: transparent;
    box-shadow: none;
    opacity: 1;
    pointer-events: auto;
    transform: none;
    backdrop-filter: none;
  }

  .nav-dropdown a {
    min-height: 42px;
    padding: 11px 14px;
    color: var(--muted);
    background: linear-gradient(135deg, rgba(200, 164, 107, 0.08), rgba(200, 164, 107, 0.04));
    border: 1px solid rgba(200, 164, 107, 0.12);
    border-radius: 11px;
    font-size: 0.78rem;
    font-weight: 600;
    text-transform: capitalize;
    letter-spacing: 0.2px;
    transition: all 220ms cubic-bezier(0.4, 0, 0.2, 1);
  }

  .nav-dropdown a:hover,
  .nav-dropdown a:focus-visible {
    background: linear-gradient(135deg, rgba(200, 164, 107, 0.16), rgba(200, 164, 107, 0.1));
    color: var(--gold-dark);
    border-color: rgba(200, 164, 107, 0.28);
    transform: translateX(4px);
  }

  body.is-scrolled .site-header {
    min-height: 72px;
    padding: 14px 18px;
  }

  .hero {
    min-height: calc(100vh - 72px);
  }

  .hero-overlay {
    background: rgba(248, 251, 255, 0.92);
  }

  .hero-content {
    margin: 0 auto;
    padding-top: 18px;
  }

  .intro-grid,
  .trading-style,
  .footer-social-banner,
  .footer-sitemap-grid,
  .service-panel,
  .calculator-layout,
  .about-section,
  .contact-layout,
  .contact-form,
  .feature-section,
  .blog-layout,
  .route-grid,
  .mortgage-page-grid {
    grid-template-columns: 1fr;
  }

  .blog-toc {
    position: static;
  }

  .footer-banner,
  .social-links {
    grid-column: auto;
  }

  .social-links {
    flex-direction: row;
    flex-wrap: wrap;
  }

  .calculator {
    grid-template-columns: 1fr;
  }

  .visual-strip,
  .visual-tile {
    min-height: 270px;
  }

  .visual-tile {
    background-size: cover;
  }

  .visual-tile span {
    width: 100%;
    font-size: clamp(0.92rem, 4vw, 1.18rem);
    text-align: center;
  }

  .about-image,
  .photo-placeholder {
    min-height: 360px;
  }

  .blog-article {
    background-attachment: scroll;
  }

  .cookie-banner {
    right: 12px;
    bottom: 88px;
    width: calc(100vw - 24px);
  }
}

@media (max-width: 520px) {
  .brand {
    width: min(112px, calc(100vw - 156px));
    height: auto;
  }

  .button,
  .hero-actions,
  .contact-actions {
    width: 100%;
  }

  .button {
    padding-right: 14px;
    padding-left: 14px;
  }

  .service-tabs {
    display: grid;
    grid-template-columns: 1fr;
  }

  .floating-whatsapp {
    right: 12px;
    bottom: 12px;
  }
}