/* =========================================================
   Punnackal Financial Services - Global Stylesheet
   Palette inspired by brand logo (green + red) with a
   trustworthy navy primary used across finance industry.
   ========================================================= */

/* -------- Design Tokens -------- */
:root {
    --color-navy: #0a2540;
    --color-navy-dark: #061a30;
    --color-navy-light: #14375f;
    --color-red: #e11d2a;
    --color-red-dark: #b3141f;
    --color-green: #16a34a;
    --color-green-dark: #128a3e;
    --color-gold: #f5b400;

    --color-bg: #ffffff;
    --color-bg-alt: #f5f8fc;
    --color-bg-soft: #eef3fa;
    --color-border: #e2e8f0;

    --color-text: #0f172a;
    --color-text-soft: #475569;
    --color-text-muted: #64748b;
    --color-text-on-dark: #e6edf7;

    --shadow-sm: 0 1px 2px rgba(10, 37, 64, 0.06), 0 1px 3px rgba(10, 37, 64, 0.05);
    --shadow-md: 0 6px 16px rgba(10, 37, 64, 0.08), 0 2px 6px rgba(10, 37, 64, 0.05);
    --shadow-lg: 0 20px 40px rgba(10, 37, 64, 0.12), 0 6px 12px rgba(10, 37, 64, 0.06);

    --radius-sm: 6px;
    --radius-md: 12px;
    --radius-lg: 18px;
    --radius-xl: 28px;

    --container: 1200px;
    --header-h: 84px;

    --font-sans: 'Inter', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
    --font-display: 'Plus Jakarta Sans', 'Inter', system-ui, sans-serif;

    --transition: 220ms cubic-bezier(.2, .8, .2, 1);
}

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

html {
    scroll-behavior: smooth;
    -webkit-text-size-adjust: 100%;
}

body {
    margin: 0;
    font-family: var(--font-sans);
    color: var(--color-text);
    background: var(--color-bg);
    line-height: 1.6;
    font-size: 16px;
    -webkit-font-smoothing: antialiased;
    text-rendering: optimizeLegibility;
}

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

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

a:hover {
    color: var(--color-red);
}

h1, h2, h3, h4, h5 {
    font-family: var(--font-display);
    color: var(--color-navy);
    line-height: 1.2;
    margin: 0 0 0.6em;
    letter-spacing: -0.01em;
}

h1 { font-size: clamp(2.2rem, 4.4vw, 3.6rem); font-weight: 800; }
h2 { font-size: clamp(1.8rem, 3vw, 2.6rem); font-weight: 800; }
h3 { font-size: 1.35rem; font-weight: 700; }
h4 { font-size: 1.1rem; font-weight: 700; }

p { margin: 0 0 1em; }

ul { padding-left: 1.2rem; }

/* -------- Utilities -------- */
.container {
    width: 100%;
    max-width: var(--container);
    margin: 0 auto;
    padding: 0 24px;
}

.section {
    padding: 88px 0;
}

.section--alt { background: var(--color-bg-alt); }
.section--dark { background: var(--color-navy); color: var(--color-text-on-dark); }
.section--dark h1,
.section--dark h2,
.section--dark h3,
.section--dark h4 { color: #fff; }

.eyebrow {
    display: inline-block;
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 0.78rem;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    color: var(--color-red);
    margin-bottom: 16px;
}

.section-head {
    text-align: center;
    max-width: 720px;
    margin: 0 auto 56px;
}

.section-head p {
    color: var(--color-text-soft);
    font-size: 1.05rem;
}

.text-center { text-align: center; }
.muted { color: var(--color-text-soft); }

/* -------- Buttons -------- */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    padding: 14px 26px;
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 0.97rem;
    letter-spacing: 0.01em;
    border-radius: 999px;
    border: 2px solid transparent;
    cursor: pointer;
    transition: all var(--transition);
    text-decoration: none;
    line-height: 1.25;
    white-space: nowrap;
}

.btn--primary {
    background: var(--color-red);
    color: #fff;
    box-shadow: 0 8px 20px rgba(225, 29, 42, 0.28);
}
.btn--primary:hover {
    background: var(--color-red-dark);
    color: #fff;
    transform: translateY(-2px);
    box-shadow: 0 14px 28px rgba(225, 29, 42, 0.34);
}

.btn--accent {
    background: var(--color-green);
    color: #fff;
    box-shadow: 0 8px 20px rgba(22, 163, 74, 0.25);
}
.btn--accent:hover {
    background: var(--color-green-dark);
    color: #fff;
    transform: translateY(-2px);
}

.btn--ghost {
    background: transparent;
    color: var(--color-navy);
    border-color: var(--color-navy);
}
.btn--ghost:hover {
    background: var(--color-navy);
    color: #fff;
}

.btn--light {
    background: #fff;
    color: var(--color-navy);
}
.btn--light:hover { background: var(--color-bg-alt); color: var(--color-navy); }

.btn--lg {
    padding: 18px 34px;
    font-size: 1.05rem;
}

.btn-row {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
}

/* -------- Demo Notice Banner -------- */
.demo-banner {
    background: linear-gradient(135deg, #fbbf24 0%, #f59e0b 100%);
    color: #1a1200;
    text-align: center;
    padding: 8px 16px;
    font-size: 0.82rem;
    font-weight: 600;
    line-height: 1.45;
    border-bottom: 1px dashed rgba(0, 0, 0, 0.22);
    letter-spacing: 0.005em;
}
.demo-banner__tag {
    display: inline-block;
    background: #1a1200;
    color: #fde68a;
    font-size: 0.7rem;
    font-weight: 800;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    padding: 3px 9px;
    border-radius: 4px;
    margin-right: 8px;
    vertical-align: 1px;
}

/* -------- Top Bar -------- */
.topbar {
    background: var(--color-navy-dark);
    color: var(--color-text-on-dark);
    font-size: 0.875rem;
}
.topbar__inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    padding: 10px 24px;
    max-width: var(--container);
    margin: 0 auto;
}
.topbar a { color: var(--color-text-on-dark); }
.topbar a:hover { color: #fff; }
.topbar__links {
    display: flex;
    gap: 22px;
    flex-wrap: wrap;
}
.topbar__links span { display: inline-flex; align-items: center; gap: 8px; }
.topbar__badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 4px 12px;
    background: rgba(255, 255, 255, 0.08);
    border-radius: 999px;
    font-weight: 600;
    color: #fff;
}

/* -------- Header / Navigation -------- */
.site-header {
    position: sticky;
    top: 0;
    z-index: 50;
    background: rgba(255, 255, 255, 0.92);
    backdrop-filter: saturate(160%) blur(10px);
    -webkit-backdrop-filter: saturate(160%) blur(10px);
    border-bottom: 1px solid var(--color-border);
}
.nav {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: var(--header-h);
    max-width: var(--container);
    margin: 0 auto;
    padding: 0 24px;
}

.brand {
    display: flex;
    align-items: center;
    gap: 14px;
    text-decoration: none;
}
.brand img {
    width: 48px;
    height: 48px;
    object-fit: contain;
}
.brand__text {
    line-height: 1.1;
}
.brand__name {
    font-family: var(--font-display);
    font-weight: 800;
    color: var(--color-red);
    font-size: 1.18rem;
    letter-spacing: 0.01em;
}
.brand__sub {
    font-size: 0.72rem;
    color: var(--color-text-soft);
    font-weight: 600;
    letter-spacing: 0.06em;
    text-transform: uppercase;
}

.nav__links {
    display: flex;
    align-items: center;
    gap: 32px;
    list-style: none;
    margin: 0;
    padding: 0;
}
.nav__links a {
    font-weight: 600;
    color: var(--color-navy);
    font-size: 0.96rem;
    position: relative;
    padding: 6px 0;
}
.nav__links a::after {
    content: "";
    position: absolute;
    left: 0;
    right: 0;
    bottom: 0;
    height: 2px;
    background: var(--color-red);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform var(--transition);
}
.nav__links a:hover::after,
.nav__links a.is-active::after { transform: scaleX(1); }
.nav__links a.is-active { color: var(--color-red); }

.nav__cta { margin-left: 8px; }

/* Nav items use .nav__links a { color: navy } — override for pill buttons so text stays white */
.site-header .nav__links a.btn {
    padding: 14px 26px;
}
.site-header .nav__links a.btn::after {
    display: none;
}
.site-header .nav__links a.btn--primary,
.site-header .nav__links a.btn--primary:hover {
    color: #fff;
}
.site-header .nav__links a.btn--primary.is-active {
    color: #fff;
}

.nav__toggle {
    display: none;
    width: 44px;
    height: 44px;
    border: none;
    background: transparent;
    cursor: pointer;
    color: var(--color-navy);
    border-radius: var(--radius-sm);
}
.nav__toggle:focus-visible { outline: 2px solid var(--color-red); }

/* -------- Hero -------- */
.hero {
    position: relative;
    overflow: hidden;
    color: #fff;
    background:
        linear-gradient(120deg, rgba(6, 26, 48, 0.92) 0%, rgba(10, 37, 64, 0.78) 55%, rgba(10, 37, 64, 0.55) 100%),
        url('https://images.unsplash.com/photo-1560518883-ce09059eeffa?auto=format&fit=crop&w=1920&q=80') center/cover no-repeat;
    padding: 110px 0 130px;
}
.hero::before {
    content: "";
    position: absolute;
    inset: auto -20% -40% auto;
    width: 720px;
    height: 720px;
    background: radial-gradient(closest-side, rgba(225, 29, 42, 0.35), transparent 70%);
    z-index: 0;
}
.hero__grid {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: 1.15fr 1fr;
    gap: 64px;
    align-items: center;
}
.hero__eyebrow {
    color: #ffd1d4;
}
.hero h1 { color: #fff; }
.hero p.lead {
    font-size: 1.15rem;
    color: #d6e0ee;
    max-width: 540px;
    margin-bottom: 32px;
}
.hero__highlights {
    display: flex;
    flex-wrap: wrap;
    gap: 24px;
    margin-top: 36px;
    padding-top: 28px;
    border-top: 1px solid rgba(255, 255, 255, 0.14);
}
.hero__stat strong {
    display: block;
    font-family: var(--font-display);
    font-size: 1.5rem;
    font-weight: 800;
    color: #fff;
}
.hero__stat span {
    color: #b6c4d8;
    font-size: 0.88rem;
}

/* Hero Card */
.hero__card {
    background: #fff;
    color: var(--color-text);
    border-radius: var(--radius-lg);
    padding: 32px;
    box-shadow: var(--shadow-lg);
    position: relative;
}
.hero__card-tag {
    position: absolute;
    top: -16px;
    left: 32px;
    background: var(--color-green);
    color: #fff;
    font-weight: 700;
    font-size: 0.78rem;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    padding: 8px 16px;
    border-radius: 999px;
}
.hero__card h3 { color: var(--color-navy); }
.hero__card p {
    color: var(--color-text-soft);
    margin-bottom: 24px;
    font-size: 0.97rem;
}
.hero__card form { display: grid; gap: 12px; }
.hero__card .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.hero__card .field-tip {
    font-size: 0.78rem;
    color: var(--color-text-muted);
    margin-top: 4px;
}

/* -------- Forms -------- */
.field {
    display: grid;
    gap: 6px;
}
.field label {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--color-navy);
}
.input,
.select,
.textarea {
    width: 100%;
    border: 1px solid var(--color-border);
    background: #fff;
    border-radius: var(--radius-sm);
    padding: 12px 14px;
    font-size: 0.95rem;
    font-family: inherit;
    color: var(--color-text);
    transition: border-color var(--transition), box-shadow var(--transition);
}
.input:focus,
.select:focus,
.textarea:focus {
    outline: none;
    border-color: var(--color-navy);
    box-shadow: 0 0 0 3px rgba(10, 37, 64, 0.12);
}
.textarea { min-height: 130px; resize: vertical; }

/* -------- Service Cards -------- */
.cards-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 24px;
}

.service-card {
    background: #fff;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    padding: 32px 28px;
    transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
    display: flex;
    flex-direction: column;
    gap: 14px;
    height: 100%;
}
.service-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: transparent;
}
.service-card .icon {
    width: 56px;
    height: 56px;
    border-radius: 14px;
    display: grid;
    place-items: center;
    background: linear-gradient(135deg, rgba(225, 29, 42, 0.1), rgba(22, 163, 74, 0.1));
    color: var(--color-red);
    margin-bottom: 8px;
}
.service-card h3 { margin-bottom: 2px; }
.service-card p { color: var(--color-text-soft); margin: 0; flex: 1; }
.service-card .link {
    margin-top: 8px;
    font-weight: 700;
    color: var(--color-red);
    display: inline-flex;
    align-items: center;
    gap: 6px;
}
.service-card .link:hover { color: var(--color-red-dark); gap: 10px; }

/* -------- Why Choose Us -------- */
.why-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 56px;
    align-items: center;
}
.why-list {
    list-style: none;
    padding: 0;
    margin: 0;
    display: grid;
    gap: 20px;
}
.why-list li {
    display: flex;
    gap: 16px;
    align-items: flex-start;
}
.why-list .check {
    width: 40px;
    height: 40px;
    flex-shrink: 0;
    border-radius: 50%;
    background: rgba(22, 163, 74, 0.12);
    color: var(--color-green);
    display: grid;
    place-items: center;
}
.why-list h4 { margin: 0 0 4px; }
.why-list p { margin: 0; color: var(--color-text-soft); }

.why-image {
    position: relative;
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    aspect-ratio: 4/5;
}
.why-image img { width: 100%; height: 100%; object-fit: cover; }
.why-image::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, transparent 60%, rgba(10, 37, 64, 0.5));
}
.why-image .badge {
    position: absolute;
    bottom: 24px;
    left: 24px;
    right: 24px;
    color: #fff;
    z-index: 1;
}
.why-image .badge strong {
    display: block;
    font-family: var(--font-display);
    font-size: 1.4rem;
    font-weight: 800;
}
.why-image .badge span { color: #d6e0ee; font-size: 0.92rem; }

/* -------- Process Steps -------- */
.steps {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 24px;
    counter-reset: step;
}
.step {
    background: #fff;
    border-radius: var(--radius-lg);
    padding: 28px;
    border: 1px solid var(--color-border);
    position: relative;
}
.step::before {
    counter-increment: step;
    content: "0" counter(step);
    font-family: var(--font-display);
    font-weight: 800;
    font-size: 2rem;
    background: linear-gradient(135deg, var(--color-red), #ff5a64);
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
    display: block;
    margin-bottom: 8px;
}
.step h4 { margin-bottom: 6px; }
.step p { color: var(--color-text-soft); margin: 0; font-size: 0.95rem; }

/* -------- CTA Banner -------- */
.cta-banner {
    background: linear-gradient(120deg, var(--color-navy), var(--color-navy-light));
    color: #fff;
    border-radius: var(--radius-xl);
    padding: 56px;
    display: grid;
    grid-template-columns: 1.4fr 1fr;
    gap: 32px;
    align-items: center;
    position: relative;
    overflow: hidden;
}
.cta-banner::before {
    content: "";
    position: absolute;
    right: -120px;
    top: -120px;
    width: 360px;
    height: 360px;
    border-radius: 50%;
    background: radial-gradient(closest-side, rgba(225, 29, 42, 0.45), transparent);
}
.cta-banner h2 { color: #fff; }
.cta-banner p { color: #c8d3e2; margin-bottom: 0; }
.cta-banner__actions {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    justify-content: flex-end;
    z-index: 1;
}
.cta-banner__actions a { z-index: 1; }

/* -------- Testimonials -------- */
.testimonials {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 24px;
}
.testimonial {
    background: #fff;
    border-radius: var(--radius-lg);
    padding: 32px;
    border: 1px solid var(--color-border);
    box-shadow: var(--shadow-sm);
    display: flex;
    flex-direction: column;
    gap: 16px;
}
.testimonial .stars {
    color: var(--color-gold);
    font-size: 1.1rem;
    letter-spacing: 2px;
}
.testimonial p {
    color: var(--color-text);
    font-size: 1rem;
    margin: 0;
    flex: 1;
}
.testimonial__author {
    display: flex;
    align-items: center;
    gap: 12px;
    border-top: 1px solid var(--color-border);
    padding-top: 16px;
}
.testimonial__avatar {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--color-green), var(--color-navy));
    color: #fff;
    display: grid;
    place-items: center;
    font-weight: 700;
    font-family: var(--font-display);
}
.testimonial__name { font-weight: 700; color: var(--color-navy); display: block; }
.testimonial__meta { font-size: 0.85rem; color: var(--color-text-muted); }

/* -------- Page Hero (sub pages) -------- */
.page-hero {
    background: linear-gradient(120deg, var(--color-navy), var(--color-navy-light));
    color: #fff;
    padding: 80px 0 90px;
    position: relative;
    overflow: hidden;
}
.page-hero::before {
    content: "";
    position: absolute;
    inset: -40% -10% auto auto;
    width: 520px;
    height: 520px;
    background: radial-gradient(closest-side, rgba(22, 163, 74, 0.25), transparent);
}
.page-hero h1 { color: #fff; margin-bottom: 12px; }
.page-hero p { color: #c8d3e2; max-width: 640px; font-size: 1.08rem; margin: 0; }
.breadcrumb {
    display: inline-flex;
    gap: 8px;
    color: #b6c4d8;
    font-size: 0.85rem;
    margin-bottom: 20px;
    font-weight: 600;
}
.breadcrumb a { color: #b6c4d8; }
.breadcrumb a:hover { color: #fff; }

/* -------- About / Bio -------- */
.bio-grid {
    display: grid;
    grid-template-columns: 0.85fr 1.15fr;
    gap: 56px;
    align-items: start;
}
.bio-photo {
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    aspect-ratio: 4/5;
    background: var(--color-bg-soft);
}
.bio-photo img { width: 100%; height: 100%; object-fit: cover; object-position: center top; }
.credentials {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 16px;
    margin-top: 32px;
}
.credential {
    background: var(--color-bg-alt);
    border-radius: var(--radius-md);
    padding: 18px;
    border-left: 4px solid var(--color-red);
}
.credential strong { display: block; color: var(--color-navy); font-family: var(--font-display); }
.credential span { color: var(--color-text-soft); font-size: 0.88rem; }

/* -------- Service Detail Block -------- */
.service-detail {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 56px;
    align-items: center;
    padding: 56px 0;
    border-bottom: 1px solid var(--color-border);
}
.service-detail:last-child { border-bottom: none; }
.service-detail--reverse .service-detail__content { order: 2; }
.service-detail__icon {
    width: 64px;
    height: 64px;
    border-radius: 16px;
    background: linear-gradient(135deg, var(--color-red), #ff5a64);
    color: #fff;
    display: grid;
    place-items: center;
    margin-bottom: 16px;
}
.service-detail__icon--green {
    background: linear-gradient(135deg, var(--color-green), #4ade80);
}
.service-detail__icon--navy {
    background: linear-gradient(135deg, var(--color-navy), var(--color-navy-light));
}
.service-detail__icon--gold {
    background: linear-gradient(135deg, var(--color-gold), #ffd766);
    color: #5a3e00;
}
.service-detail ul { padding-left: 0; list-style: none; }
.service-detail ul li {
    padding-left: 28px;
    position: relative;
    margin-bottom: 10px;
    color: var(--color-text-soft);
}
.service-detail ul li::before {
    content: "✓";
    position: absolute;
    left: 0;
    top: 0;
    width: 20px;
    height: 20px;
    color: var(--color-green);
    font-weight: 800;
}
.service-detail__visual {
    border-radius: var(--radius-lg);
    overflow: hidden;
    aspect-ratio: 4/3;
    box-shadow: var(--shadow-lg);
}
.service-detail__visual img { width: 100%; height: 100%; object-fit: cover; }

/* -------- Calculator -------- */
.calc-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 32px;
    align-items: start;
}
.calc-card {
    background: #fff;
    border-radius: var(--radius-lg);
    border: 1px solid var(--color-border);
    box-shadow: var(--shadow-sm);
    padding: 32px;
}
.calc-card h3 { margin-bottom: 24px; }
.calc-card .field { margin-bottom: 18px; }
.calc-card .field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.range-row {
    display: flex;
    align-items: center;
    gap: 12px;
}
.range-row input[type="range"] { flex: 1; }
.range-row .range-val {
    background: var(--color-bg-alt);
    border-radius: var(--radius-sm);
    padding: 8px 12px;
    font-weight: 700;
    color: var(--color-navy);
    min-width: 110px;
    text-align: right;
}
.calc-result {
    background: linear-gradient(135deg, var(--color-navy), var(--color-navy-light));
    color: #fff;
    padding: 32px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
}
.calc-result h3 { color: #fff; margin-bottom: 24px; }
.calc-result__big {
    font-family: var(--font-display);
    font-size: 3rem;
    font-weight: 800;
    line-height: 1;
    margin-bottom: 6px;
    color: #fff;
}
.calc-result__period { color: #c8d3e2; font-size: 0.95rem; margin-bottom: 28px; }
.calc-result__row {
    display: flex;
    justify-content: space-between;
    padding: 14px 0;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
    color: #d6e0ee;
}
.calc-result__row:last-child { border-bottom: 1px solid rgba(255, 255, 255, 0.12); }
.calc-result__row strong { color: #fff; font-family: var(--font-display); }
.calc-disclaimer {
    color: #98a8c0;
    font-size: 0.78rem;
    margin-top: 24px;
}

/* -------- FAQ -------- */
.faq {
    max-width: 820px;
    margin: 0 auto;
    display: grid;
    gap: 12px;
}
.faq details {
    background: #fff;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
    overflow: hidden;
    transition: box-shadow var(--transition);
}
.faq details[open] { box-shadow: var(--shadow-md); border-color: transparent; }
.faq summary {
    list-style: none;
    cursor: pointer;
    padding: 20px 24px;
    font-weight: 700;
    color: var(--color-navy);
    font-family: var(--font-display);
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 16px;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
    content: "+";
    font-weight: 400;
    font-size: 1.5rem;
    color: var(--color-red);
    transition: transform var(--transition);
}
.faq details[open] summary::after { content: "−"; }
.faq .faq-body { padding: 0 24px 22px; color: var(--color-text-soft); }
.faq .faq-body p:last-child { margin: 0; }

/* -------- Contact Page -------- */
.contact-grid {
    display: grid;
    grid-template-columns: 1.05fr 1fr;
    gap: 48px;
    align-items: start;
}
.contact-cards {
    display: grid;
    gap: 16px;
    margin-bottom: 24px;
}
.contact-card {
    display: flex;
    gap: 16px;
    align-items: flex-start;
    padding: 22px;
    background: #fff;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
}
.contact-card .icon {
    width: 44px;
    height: 44px;
    border-radius: 12px;
    background: rgba(225, 29, 42, 0.1);
    color: var(--color-red);
    display: grid;
    place-items: center;
    flex-shrink: 0;
}
.contact-card h4 { margin: 0 0 4px; }
.contact-card a { color: var(--color-text); font-weight: 600; }
.contact-card a:hover { color: var(--color-red); }
.contact-card span { display: block; color: var(--color-text-soft); font-size: 0.92rem; }

.map-wrap {
    border-radius: var(--radius-lg);
    overflow: hidden;
    border: 1px solid var(--color-border);
    box-shadow: var(--shadow-sm);
}
.map-wrap iframe { width: 100%; height: 320px; border: 0; display: block; }

.contact-form {
    background: #fff;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    padding: 32px;
    box-shadow: var(--shadow-sm);
}
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-grid .field--full { grid-column: 1 / -1; }

.form-feedback {
    display: none;
    margin-top: 16px;
    padding: 14px 18px;
    border-radius: var(--radius-sm);
    font-weight: 600;
    font-size: 0.95rem;
}
.form-feedback.is-success {
    display: block;
    background: rgba(22, 163, 74, 0.12);
    color: var(--color-green-dark);
    border: 1px solid rgba(22, 163, 74, 0.25);
}
.form-feedback.is-error {
    display: block;
    background: rgba(225, 29, 42, 0.1);
    color: var(--color-red-dark);
    border: 1px solid rgba(225, 29, 42, 0.25);
}

/* -------- Lender Strip -------- */
.lender-strip {
    text-align: center;
}
.lender-strip h4 {
    color: var(--color-text-muted);
    font-weight: 600;
    font-family: var(--font-sans);
    font-size: 0.85rem;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    margin-bottom: 24px;
}
/* Lender carousel — auto-scrolling marquee on all viewports */
.lender-marquee {
    overflow: hidden;
    -webkit-mask-image: linear-gradient(90deg, transparent, #000 10%, #000 90%, transparent);
            mask-image: linear-gradient(90deg, transparent, #000 10%, #000 90%, transparent);
}
.lender-track {
    display: flex;
    align-items: center;
    gap: 18px;
    width: max-content;
    animation: lender-scroll 45s linear infinite;
    will-change: transform;
}
.lender-marquee:hover .lender-track {
    animation-play-state: paused;
}
@keyframes lender-scroll {
    from { transform: translateX(0); }
    to   { transform: translateX(-50%); }
}
.lender-pill {
    padding: 10px 18px;
    background: #fff;
    border: 1px solid var(--color-border);
    border-radius: 999px;
    color: var(--color-text-soft);
    font-weight: 600;
    font-size: 0.92rem;
    white-space: nowrap;
    transition: color var(--transition), border-color var(--transition);
    flex-shrink: 0;
}
.lender-pill:hover {
    color: var(--color-navy);
    border-color: var(--color-navy);
}
@media (prefers-reduced-motion: reduce) {
    .lender-track { animation: none; }
}

/* -------- Footer -------- */
.site-footer {
    background: var(--color-navy-dark);
    color: #c8d3e2;
    padding: 72px 0 24px;
    font-size: 0.95rem;
}
.footer-grid {
    display: grid;
    grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
    gap: 40px;
    margin-bottom: 48px;
}
.footer-grid h5 {
    color: #fff;
    font-family: var(--font-display);
    font-size: 1rem;
    margin-bottom: 18px;
}
.footer-grid p { color: #94a3b8; }
.footer-grid ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.footer-grid a { color: #c8d3e2; }
.footer-grid a:hover { color: #fff; }
.footer-brand {
    display: flex;
    gap: 12px;
    align-items: center;
    margin-bottom: 16px;
}
.footer-brand img { width: 44px; height: 44px; }
.footer-brand .brand__name { color: #fff; }
.footer-brand .brand__sub { color: #94a3b8; }
.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    padding-top: 24px;
    display: flex;
    flex-direction: column;
    gap: 16px;
    color: #94a3b8;
    font-size: 0.85rem;
}
.footer-bottom__main {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    justify-content: space-between;
}
.footer-credits {
    margin: 0;
    padding-top: 14px;
    border-top: 1px solid rgba(255, 255, 255, 0.06);
    font-size: 0.8rem;
    line-height: 1.55;
    color: #9aa8bc;
    text-align: center;
}
.site-footer .footer-credits a {
    color: #9aa8bc;
    font-weight: 400;
    text-decoration: none;
}
.site-footer .footer-credits a:hover {
    color: #b8c6da;
    text-decoration: none;
}
.footer-disclaimer {
    background: rgba(255, 255, 255, 0.04);
    border-radius: var(--radius-md);
    padding: 18px 22px;
    color: #94a3b8;
    font-size: 0.82rem;
    line-height: 1.6;
    margin-bottom: 24px;
}

/* -------- Reveal animation -------- */
.reveal {
    opacity: 0;
    transform: translateY(24px);
    transition: opacity 600ms ease, transform 600ms ease;
}
.reveal.is-visible {
    opacity: 1;
    transform: translateY(0);
}

/* -------- Responsive -------- */
@media (max-width: 1024px) {
    .section { padding: 72px 0; }
    .hero { padding: 90px 0 110px; }
    .hero__grid { grid-template-columns: 1fr; gap: 48px; }
    .why-grid { grid-template-columns: 1fr; gap: 40px; }
    .bio-grid { grid-template-columns: 1fr; gap: 40px; }
    .service-detail { grid-template-columns: 1fr; gap: 32px; padding: 40px 0; }
    .service-detail--reverse .service-detail__content { order: 0; }
    .calc-grid { grid-template-columns: 1fr; }
    .contact-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
    .cta-banner { grid-template-columns: 1fr; padding: 40px; text-align: center; }
    .cta-banner__actions { justify-content: center; }
}

@media (max-width: 760px) {
    /* Typography — tighter scale for small screens */
    h1 { font-size: 1.95rem; line-height: 1.15; }
    h2 { font-size: 1.55rem; }
    h3 { font-size: 1.18rem; }

    /* Section spacing & container padding */
    .section { padding: 56px 0; }
    .container { padding: 0 18px; }
    .section-head { margin-bottom: 36px; }
    .section-head p { font-size: 0.97rem; }

    /* Demo banner — slimmer on mobile */
    .demo-banner { font-size: 0.74rem; padding: 7px 12px; line-height: 1.35; }
    .demo-banner__tag { font-size: 0.62rem; padding: 2px 7px; margin-right: 6px; }

    /* Topbar — single compact row, hide address + badge */
    .topbar { font-size: 0.78rem; }
    .topbar__inner {
        flex-direction: row;
        align-items: center;
        justify-content: center;
        flex-wrap: wrap;
        gap: 12px;
        padding: 9px 16px;
    }
    .topbar__links { gap: 14px; justify-content: center; flex-wrap: wrap; }
    .topbar__links span:nth-child(3) { display: none; }
    .topbar__badge { display: none; }

    /* Header / Nav */
    .nav { padding: 0 16px; }
    .brand img { width: 40px; height: 40px; }
    .brand__name { font-size: 1.02rem; }
    .brand__sub { font-size: 0.66rem; }
    .nav__links {
        position: fixed;
        top: 0;
        left: 0;
        right: 0;
        background: #fff;
        flex-direction: column;
        align-items: stretch;
        gap: 0;
        padding: calc(var(--header-h) + 14px) 22px 22px;
        border-bottom: 1px solid var(--color-border);
        box-shadow: var(--shadow-md);
        transform: translateY(-100%);
        transition: transform var(--transition);
        max-height: 100vh;
        overflow-y: auto;
        pointer-events: none;
        visibility: hidden;
    }
    .nav__links.is-open {
        transform: translateY(0);
        pointer-events: auto;
        visibility: visible;
    }
    .nav__links li { border-bottom: 1px solid var(--color-border); }
    .nav__links li:last-child { border-bottom: none; padding-top: 12px; }
    .nav__links a { display: block; padding: 14px 0; }
    .nav__cta { width: 100%; justify-content: center; }
    .nav__toggle { display: grid; place-items: center; }

    /* Hero — tighter padding & tighter stack spacing */
    .hero { padding: 56px 0 72px; }
    .hero__grid { gap: 36px; }
    .hero p.lead { font-size: 1rem; margin-bottom: 24px; }
    .hero__highlights {
        display: grid;
        grid-template-columns: repeat(3, 1fr);
        gap: 14px;
        margin-top: 28px;
        padding-top: 22px;
    }
    .hero__stat { text-align: center; }
    .hero__stat strong { font-size: 1.2rem; }
    .hero__stat span { font-size: 0.76rem; }

    /* Hero card */
    .hero__card { padding: 22px 18px; }
    .hero__card-tag { left: 18px; font-size: 0.7rem; padding: 7px 14px; top: -14px; }
    .hero__card .form-row { grid-template-columns: 1fr; }

    /* Buttons — full width in stacked rows for easy thumbs */
    .btn { padding: 13px 22px; font-size: 0.95rem; }
    .btn--lg { padding: 15px 26px; font-size: 1rem; }
    .btn-row { gap: 10px; }
    .btn-row > .btn { flex: 1 1 100%; min-width: 100%; }

    /* Forms — prevent iOS zoom + bigger taps */
    .input, .select, .textarea { padding: 13px 14px; font-size: 16px; }
    .field label { font-size: 0.86rem; }

    /* Cards / services — default mobile stacking */
    .cards-grid { gap: 16px; grid-template-columns: 1fr; }
    .service-card { padding: 24px 22px; gap: 12px; }
    .service-card .icon { width: 48px; height: 48px; }

    /* Why-us image — less tall */
    .why-image { aspect-ratio: 16/10; }
    .why-list { gap: 16px; }
    .why-list .check { width: 36px; height: 36px; }

    /* Process steps — horizontal swipe carousel on mobile */
    .steps {
        display: flex;
        grid-template-columns: none;
        gap: 14px;
        overflow-x: auto;
        scroll-snap-type: x mandatory;
        padding: 6px 18px 14px;
        margin: 0 -18px;
        scrollbar-width: none;
        -webkit-overflow-scrolling: touch;
    }
    .steps::-webkit-scrollbar { display: none; }
    .steps .step {
        flex: 0 0 78%;
        min-width: 78%;
        scroll-snap-align: center;
        padding: 22px 20px;
    }
    .steps .step::before { font-size: 1.7rem; }

    /* Home services — also a horizontal swipe carousel on mobile */
    #services .cards-grid {
        display: flex;
        grid-template-columns: none;
        gap: 14px;
        overflow-x: auto;
        scroll-snap-type: x mandatory;
        padding: 6px 18px 14px;
        margin: 0 -18px;
        scrollbar-width: none;
        -webkit-overflow-scrolling: touch;
    }
    #services .cards-grid::-webkit-scrollbar { display: none; }
    #services .cards-grid > .service-card {
        flex: 0 0 80%;
        min-width: 80%;
        scroll-snap-align: center;
    }

    /* Testimonials — auto-rotating slideshow on mobile */
    .testimonials {
        display: block;
        position: relative;
    }
    .testimonials .testimonial {
        position: absolute;
        top: 0;
        left: 0;
        right: 0;
        opacity: 0;
        visibility: hidden;
        transition: opacity 500ms ease;
        pointer-events: none;
    }
    .testimonials .testimonial.is-active {
        position: relative;
        opacity: 1;
        visibility: visible;
        pointer-events: auto;
    }
    .testimonials::after {
        content: "";
        display: block;
        clear: both;
    }
    .testimonial-dots {
        display: flex;
        justify-content: center;
        gap: 8px;
        margin-top: 18px;
    }
    .testimonial-dots button {
        width: 8px;
        height: 8px;
        border-radius: 50%;
        border: none;
        padding: 0;
        background: rgba(10, 37, 64, 0.18);
        cursor: pointer;
        transition: background var(--transition), width var(--transition);
    }
    .testimonial-dots button.is-active {
        background: var(--color-red);
        width: 24px;
        border-radius: 999px;
    }

    /* CTA banner — stacked CTA buttons full width */
    .cta-banner { padding: 32px 22px; border-radius: var(--radius-lg); }
    .cta-banner__actions { flex-direction: column; align-items: stretch; gap: 10px; }
    .cta-banner__actions .btn { width: 100%; }

    /* Testimonials */
    .testimonials { gap: 16px; }
    .testimonial { padding: 22px; }

    /* Lender strip */
    .lender-strip h4 { font-size: 0.76rem; margin-bottom: 18px; }
    .lender-list { gap: 8px 10px; }
    .lender-pill { padding: 7px 14px; font-size: 0.84rem; }

    /* Page hero (sub-pages) */
    .page-hero { padding: 56px 0 64px; }
    .page-hero p { font-size: 0.98rem; }
    .breadcrumb { margin-bottom: 14px; font-size: 0.8rem; }

    /* About / Bio */
    .bio-photo { aspect-ratio: 4/3; max-height: 460px; }
    .credentials { grid-template-columns: 1fr 1fr; gap: 12px; }
    .credential { padding: 14px; }

    /* Service detail */
    .service-detail { padding: 32px 0; gap: 28px; }
    .service-detail__icon { width: 56px; height: 56px; }
    .service-detail__visual { aspect-ratio: 16/10; }

    /* Calculator */
    .calc-card { padding: 22px; }
    .calc-card .field { margin-bottom: 14px; }
    .calc-card .field-row { grid-template-columns: 1fr; gap: 12px; }
    .range-row { gap: 10px; }
    .range-row .range-val { min-width: 96px; padding: 7px 10px; font-size: 0.92rem; }
    .calc-result { padding: 26px 22px; }
    .calc-result__big { font-size: 2.4rem; }
    .calc-result__row { padding: 12px 0; font-size: 0.92rem; }

    /* FAQ */
    .faq summary { padding: 16px 18px; font-size: 0.98rem; }
    .faq .faq-body { padding: 0 18px 18px; font-size: 0.94rem; }

    /* Contact */
    .contact-grid { gap: 32px; }
    .contact-card { padding: 18px; gap: 12px; }
    .contact-form { padding: 22px; }
    .form-grid { grid-template-columns: 1fr; gap: 14px; }
    .map-wrap iframe { height: 260px; }

    /* Footer */
    .site-footer { padding: 48px 0 22px; }
    .footer-grid { grid-template-columns: 1fr; gap: 28px; margin-bottom: 32px; }
    .footer-disclaimer { padding: 14px 16px; font-size: 0.78rem; }
    .footer-bottom__main { flex-direction: column; align-items: flex-start; gap: 6px; }
    .footer-credits { font-size: 0.74rem; }
}

/* Extra tight breakpoint for small phones (≤480px) */
@media (max-width: 480px) {
    h1 { font-size: 1.75rem; }
    h2 { font-size: 1.4rem; }
    h3 { font-size: 1.1rem; }

    .section { padding: 44px 0; }
    .container { padding: 0 14px; }
    .section-head { margin-bottom: 28px; }

    /* Topbar — even smaller */
    .topbar { font-size: 0.74rem; }
    .topbar__inner { padding: 8px 12px; gap: 10px; }
    .topbar__links { gap: 10px; }

    /* Hero */
    .hero { padding: 44px 0 60px; }
    .hero__highlights { gap: 10px; padding-top: 18px; margin-top: 22px; }
    .hero__stat strong { font-size: 1.05rem; }
    .hero__stat span { font-size: 0.7rem; }

    .hero__card { padding: 24px 16px 20px; }
    .hero__card-tag { left: 16px; top: -13px; font-size: 0.66rem; padding: 6px 12px; }
    .hero__card h3 { font-size: 1.12rem; }

    /* Buttons */
    .btn { padding: 12px 18px; font-size: 0.9rem; }
    .btn--lg { padding: 14px 22px; font-size: 0.96rem; }

    /* Page hero */
    .page-hero { padding: 44px 0 52px; }

    /* Service cards */
    .service-card { padding: 22px 18px; }
    .service-card .icon { width: 44px; height: 44px; }

    /* CTA banner */
    .cta-banner { padding: 26px 18px; }

    /* About / Bio */
    .bio-photo { aspect-ratio: 4/3; }
    .credentials { grid-template-columns: 1fr; }

    /* Service detail */
    .service-detail { padding: 26px 0; gap: 24px; }
    .service-detail__icon { width: 50px; height: 50px; }

    /* Calculator */
    .calc-card { padding: 18px; }
    .calc-result { padding: 22px 18px; }
    .calc-result__big { font-size: 2rem; }

    /* Lender pills */
    .lender-pill { font-size: 0.78rem; padding: 6px 12px; }

    /* Contact + map */
    .contact-form { padding: 18px; }
    .map-wrap iframe { height: 220px; }

    /* Footer */
    .footer-disclaimer { font-size: 0.72rem; padding: 12px 14px; }
}

/* Print */
@media print {
    .site-header, .site-footer, .topbar, .cta-banner, .btn { display: none; }
}