[hidden]{display:none !important;}
  :root{
    --ink:#ffffff; --panel:#eef5f3; --line:#dde6e3; --accent:#23862f; --accent-2:#1c7527; --accent-text:#1b6f28; --brand-green:#2f9e3d;
    --navy:#0b4146; --navy-2:#0f7683; --card:#ffffff;
    --text:#0a1f1c; --sub:#5b6a67;
    padding-top:env(safe-area-inset-top,0px); padding-bottom:env(safe-area-inset-bottom,0px); box-sizing:border-box;
  }
  html{scroll-behavior:smooth; scroll-padding-top:86px;}
  *{box-sizing:border-box;}
  body{margin:0;background:var(--ink);color:var(--text);font-family:'Inter',system-ui,sans-serif;-webkit-font-smoothing:antialiased;}
  h1,h2,h3,.disp{font-family:'Manrope',system-ui,sans-serif;letter-spacing:-0.02em;}
  a{color:inherit;}
  img{max-width:100%;display:block;}
  .wrap{max-width:1180px;margin:0 auto;padding:0 24px;}
  section{padding:68px 0;}
  section.panel{background:var(--panel);}
  .eyebrow{font-size:12.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--accent);margin-bottom:10px;}
  .title{font-size:clamp(26px,3.6vw,38px);font-weight:800;margin:0 0 14px;color:var(--navy);line-height:1.15;}
  .section-sub{color:var(--sub);font-size:15.5px;line-height:1.6;margin:0 0 30px;max-width:640px;}
  .badge-verify{font-size:9.5px;font-weight:700;background:#fff3cd;color:#8a6500;border:1px solid #f0dca0;border-radius:5px;padding:1px 6px;margin-left:6px;letter-spacing:.03em;vertical-align:middle;}

  .btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 26px;border-radius:100px;font-weight:700;font-size:15px;cursor:pointer;border:none;text-decoration:none;transition:transform .15s ease, opacity .15s ease, background .15s ease;}
  .btn:active{transform:scale(0.97);}
  .btn-accent{background:var(--accent);color:#fff;}
  .btn-accent:hover{background:var(--accent-2);}
  .btn-outline{background:transparent;color:var(--navy);border:1.5px solid var(--line);}
  .btn-outline:hover{border-color:var(--accent);color:var(--accent);}
  .btn-outline-light{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,0.4);}
  .btn-outline-light:hover{border-color:#fff;}

  .reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease, transform .6s ease;}
  .reveal.in{opacity:1;transform:none;}

  /* header */
  header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,0.92);backdrop-filter:blur(8px);border-bottom:1px solid var(--line);padding-top:env(safe-area-inset-top,0px);}
  .nav{display:flex;align-items:center;justify-content:space-between;padding:12px 24px;max-width:1180px;margin:0 auto;gap:16px;}
  .logo{display:flex;align-items:center;gap:11px;font-weight:800;font-size:19px;white-space:nowrap;color:var(--navy);}
  .logo img{height:46px;width:auto;}
  .navlinks{display:flex;gap:20px;font-size:14px;font-weight:600;color:var(--sub);white-space:nowrap;}
  .navlinks a:hover{color:var(--navy);}
  @media (max-width:860px){.navlinks{display:none;}}
  @media (max-width:480px){.logo{font-size:16px;gap:7px;} .logo img{height:36px;} .logo-full{display:none;} header .nav a.btn{padding:9px 14px;font-size:12.5px;white-space:nowrap;}}

  /* hero */
  .hero{padding:52px 0 0;position:relative;overflow:hidden;background:linear-gradient(180deg,var(--panel) 0%,#ffffff 70%);}
  .hero::before{content:'';position:absolute;top:-140px;right:-140px;width:460px;height:460px;border-radius:50%;background:radial-gradient(circle,rgba(47,158,61,0.14),transparent 70%);pointer-events:none;}
  .hero-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:40px;align-items:start;position:relative;z-index:1;}
  @media (max-width:900px){.hero-grid{grid-template-columns:1fr;}}
  .kicker{display:inline-flex;align-items:center;gap:8px;font-size:12.5px;font-weight:700;letter-spacing:.04em;background:rgba(47,158,61,0.1);color:var(--accent);padding:7px 14px;border-radius:100px;margin-bottom:22px;}
  .kicker i{width:8px;height:8px;border-radius:50%;background:var(--accent);box-shadow:0 0 0 4px rgba(47,158,61,0.2);}
  h1{font-size:clamp(32px,5vw,52px);line-height:1.08;font-weight:800;margin:0 0 20px;color:var(--navy);}
  h1 .hi{color:var(--accent);}
  .hero p.lead{font-size:17px;color:var(--sub);line-height:1.6;max-width:460px;margin:0 0 24px;}
  .hero-points{display:flex;flex-direction:column;gap:11px;margin-bottom:8px;}
  .hero-points div{display:flex;gap:10px;align-items:center;font-size:14px;color:var(--sub);}
  .hero-points span{color:var(--accent);font-weight:800;}

  .book-card{background:var(--card);color:var(--text);border-radius:20px;padding:28px;box-shadow:0 30px 70px -30px rgba(10,55,64,0.35);border:1px solid var(--line);}
  .broker-strip{display:flex;align-items:center;gap:13px;padding-bottom:18px;margin-bottom:18px;border-bottom:1px solid var(--line);}
  .broker-strip img{width:52px;height:52px;border-radius:50%;object-fit:cover;flex:none;border:2px solid var(--accent);}
  .broker-strip b{display:block;font-size:15px;color:var(--navy);}
  .broker-strip .role{display:block;font-size:12px;color:var(--accent);font-weight:700;margin:1px 0 3px;}
  .broker-strip .ph{display:block;font-size:12.5px;color:var(--sub);}
  .book-card h3{margin:0 0 4px;font-size:19px;font-family:'Manrope';font-weight:800;}
  .book-card p.sub{margin:0 0 20px;font-size:13.5px;color:var(--sub);}
  .row2{display:grid;grid-template-columns:1fr 1fr;gap:10px;}
  .f{margin-bottom:10px;}
  .f label{display:block;font-size:12px;font-weight:700;color:var(--sub);margin-bottom:5px;}
  .f input,.f select,.f textarea{width:100%;padding:12px 13px;border-radius:9px;border:1.5px solid #e3e8e6;font-size:16px;font-family:inherit;background:#fafcfb;color:#0a1f1c;}
  @media (max-width:480px){.row2{grid-template-columns:1fr;}}
  .f input:focus,.f select:focus,.f textarea:focus{outline:2px solid var(--accent);border-color:var(--accent);}
  .f textarea{resize:vertical;min-height:62px;}
  #bookNote{font-size:12px;margin-top:10px;color:var(--sub);}

  /* trust strip */
  .trust-strip{display:flex;flex-wrap:wrap;gap:56px;justify-content:center;margin-top:48px;padding:26px 0;border-top:1px solid var(--line);}
  .trust-strip .t{text-align:center;flex:none;min-width:120px;}
  .trust-strip .t b{display:block;font-size:24px;font-weight:800;color:var(--navy);font-family:'Manrope';}
  .trust-strip .t span{font-size:12.5px;color:var(--sub);}

  /* scenario grid */
  .grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;}
  @media (max-width:900px){.grid4{grid-template-columns:repeat(2,1fr);}}
  @media (max-width:520px){.grid4{grid-template-columns:1fr;}}
  .grid3{grid-template-columns:repeat(3,1fr);}
  @media (max-width:760px){.grid3{grid-template-columns:1fr 1fr;}}
  @media (max-width:520px){.grid3{grid-template-columns:1fr;}}
  .card{border:1px solid var(--line);border-radius:16px;padding:24px;background:var(--card);transition:transform .15s ease, box-shadow .15s ease, border-color .15s ease;}
  .card:hover{transform:translateY(-3px);box-shadow:0 18px 40px -22px rgba(10,55,64,0.25);border-color:var(--accent);}
  .card .ic{font-size:26px;margin-bottom:12px;}
  .card h3{margin:0 0 6px;font-size:16.5px;}
  .card p{margin:0;color:var(--sub);font-size:13.5px;line-height:1.5;}

  /* problem / solution */
  .ps-pair{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px;}
  @media (max-width:760px){.ps-pair{grid-template-columns:1fr;}}
  .ps-card{border:1px solid var(--line);border-radius:14px;padding:24px;background:var(--card);}
  .ps-card p{margin:0;font-size:14.5px;line-height:1.6;color:var(--text);}
  .ps-card .ps-tag{font-size:11.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:4px 10px;border-radius:100px;display:inline-block;margin-bottom:12px;}
  .ps-problem .ps-tag{color:#c0392b;background:rgba(192,57,43,0.1);}
  .ps-solution .ps-tag{color:var(--accent);background:rgba(47,158,61,0.12);}

  /* lender marquee */
  .lender-marquee{overflow:hidden;position:relative;-webkit-mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);}
  .lender-track{display:flex;gap:12px;width:max-content;animation:lenderScroll 28s linear infinite;}
  .lender-marquee:hover .lender-track{animation-play-state:paused;}
  @keyframes lenderScroll{from{transform:translateX(0);}to{transform:translateX(-50%);}}
  @media (prefers-reduced-motion: reduce){.lender-track{animation:none;}}
  .lchip{border:1px solid var(--line);border-radius:10px;padding:14px 20px;font-weight:700;font-size:14px;color:var(--sub);background:var(--card);white-space:nowrap;flex:none;display:flex;align-items:center;}
  .lchip-logo{border:1px solid var(--line);border-radius:10px;padding:0 22px;background:var(--card);flex:none;height:64px;display:flex;align-items:center;justify-content:center;}
  .lchip-logo img{height:26px;width:auto;max-width:140px;object-fit:contain;display:block;}
  .press-strip{display:flex;flex-wrap:wrap;gap:28px;align-items:center;opacity:.75;}
  .press-item{font-weight:700;font-size:14px;color:var(--sub);letter-spacing:.02em;}

  /* reviews */
  .stars{color:#f5b301;letter-spacing:2px;font-size:14px;margin-bottom:10px;}
  .rev-card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:22px;height:100%;}
  .rev-card p{font-size:14px;line-height:1.6;margin:0 0 16px;color:var(--text);}
  .rev-card .who{display:flex;align-items:center;gap:10px;font-size:13px;color:var(--sub);}
  .avatar{width:34px;height:34px;border-radius:50%;background:linear-gradient(135deg,var(--navy-2),var(--accent));color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:13px;flex:none;}
  .rev-photo{border-radius:16px;overflow:hidden;box-shadow:0 18px 40px -22px rgba(10,55,64,0.3);border:1px solid var(--line);}
  .rev-photo img{width:100%;display:block;}

  /* bigsteps */
  .bigsteps{display:flex;flex-direction:column;gap:0;max-width:760px;margin-top:10px;}
  .bigstep{display:flex;gap:22px;padding:28px 0;border-bottom:1px solid var(--line);}
  .bigstep:last-child{border-bottom:none;}
  .bigstep .n{flex:none;width:46px;height:46px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:17px;}
  .bigstep h3{margin:0 0 6px;font-size:19px;}
  .bigstep p{margin:0 0 8px;color:var(--sub);font-size:14.5px;line-height:1.6;max-width:560px;}
  .bigstep .time{display:inline-flex;align-items:center;gap:6px;font-size:12px;font-weight:700;color:var(--accent);letter-spacing:.03em;text-transform:uppercase;}

  /* compare */
  .compare-grid{display:grid;grid-template-columns:1fr 1fr;gap:0;border-radius:16px;overflow:hidden;border:1px solid var(--line);}
  @media (max-width:760px){.compare-grid{grid-template-columns:1fr;}}
  .compare-col{padding:30px 26px;}
  .compare-col.old{background:var(--panel);}
  .compare-col.new{background:linear-gradient(160deg,var(--navy),var(--navy-2));color:#fff;}
  .compare-col h4{margin:0 0 18px;font-size:17px;font-family:'Manrope';}
  .compare-col ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:13px;}
  .compare-col li{font-size:14px;display:flex;gap:10px;align-items:flex-start;line-height:1.5;}
  .compare-col.old li::before{content:'✕';color:#c0392b;font-weight:700;flex:none;}
  .compare-col.new li::before{content:'✓';color:var(--accent);font-weight:700;flex:none;}

  /* about */
  .broker-wrap{display:grid;grid-template-columns:220px 1fr;gap:32px;align-items:start;}
  @media (max-width:700px){.broker-wrap{grid-template-columns:1fr;}}
  .avatar-lg{width:100%;border-radius:16px;object-fit:cover;aspect-ratio:4/5;}
  .broker-quals{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px;}
  .qtag{font-size:12px;font-weight:700;border:1px solid var(--line);border-radius:100px;padding:6px 13px;color:var(--sub);background:var(--card);line-height:1.5;text-align:center;white-space:nowrap;}
  @media (max-width:480px){ .qtag{white-space:normal;} }

  /* outcomes */
  .outcome-card{border:1px solid var(--line);border-radius:14px;overflow:hidden;background:var(--card);}
  .outcome-card .oc-head{padding:16px 20px;border-bottom:1px solid var(--line);font-weight:700;font-size:15px;color:var(--navy);}
  .oc-row{display:grid;grid-template-columns:1fr 1fr;}
  @media (max-width:480px){.oc-row{grid-template-columns:1fr;}.oc-before{border-right:none;border-bottom:1px solid var(--line);}}
  .oc-before,.oc-after{padding:18px 20px;font-size:13.5px;line-height:1.5;}
  .oc-before{color:var(--sub);border-right:1px solid var(--line);}
  .oc-after{color:var(--text);background:rgba(47,158,61,0.06);}
  .oc-label{font-size:11px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;display:block;margin-bottom:6px;}
  .oc-before .oc-label{color:var(--sub);}
  .oc-after .oc-label{color:var(--accent);}

  /* faq */
  .faq-item{border-bottom:1px solid var(--line);padding:16px 0;}
  .faq-item summary{cursor:pointer;font-weight:700;font-size:15px;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:12px;}
  .faq-item summary::-webkit-details-marker{display:none;}
  .faq-item summary::after{content:'+';font-size:20px;color:var(--accent);font-weight:400;flex:none;}
  .faq-item[open] summary::after{content:'−';}
  .faq-item p{color:var(--sub);font-size:14px;line-height:1.6;margin:10px 0 0;}

  /* cta banner */
  .cta-banner{background:linear-gradient(135deg,var(--accent),var(--accent-2));border-radius:24px;padding:56px 36px;text-align:center;}
  .cta-banner h2{color:#fff;margin:0 auto 10px;}
  .cta-banner p{color:rgba(255,255,255,0.9);max-width:480px;margin:0 auto 24px;font-size:15.5px;}
  .cta-banner .btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;}
  .cta-banner .btn-accent{background:#fff;color:var(--accent-2);}
  .cta-banner .btn-accent:hover{background:#f3fff5;}

  /* footer */
  footer{background:var(--panel);border-top:1px solid var(--line);padding:44px 0 30px;font-size:13px;color:var(--sub);}
  .foot-cols{display:grid;grid-template-columns:1.3fr .8fr .8fr 1fr 1fr;gap:24px;margin-bottom:30px;}
  @media (max-width:900px){.foot-cols{grid-template-columns:1fr 1fr 1fr;}}
  @media (max-width:760px){.foot-cols{grid-template-columns:1fr 1fr;}}
  /* ---- Polish layer ---- */
  ::selection{background:rgba(47,158,61,.22);}
  :focus-visible{outline:3px solid rgba(47,158,61,.55);outline-offset:2px;border-radius:8px;}
  .btn{box-shadow:0 1px 0 rgba(10,55,64,.04);}
  .btn-accent{box-shadow:0 10px 24px -12px rgba(47,158,61,.7);}
  .btn-accent:hover{transform:translateY(-2px);box-shadow:0 14px 28px -12px rgba(47,158,61,.75);}
  .btn-outline:hover{transform:translateY(-2px);background:#fff;}
  section .wrap>.title::after{content:'';display:block;width:46px;height:4px;border-radius:4px;margin:14px auto 0;background:linear-gradient(90deg,var(--navy-2),var(--accent));}
  .cta-banner .title::after{display:none;}
  .hero::after{content:'';position:absolute;left:-160px;bottom:-120px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(18,112,125,.10),transparent 70%);pointer-events:none;}
  .hero-brand{filter:drop-shadow(0 14px 22px rgba(10,55,64,.12));}
  .hero-chips{display:flex;flex-wrap:wrap;gap:8px;justify-content:center;margin-top:20px;}
  .hero-chips span{font-size:12px;font-weight:700;color:var(--navy);background:#fff;border:1px solid var(--line);border-radius:100px;padding:6px 13px;box-shadow:0 6px 16px -12px rgba(10,55,64,.4);}
  .hero-chips span::before{content:'✓';color:var(--accent);margin-right:6px;font-weight:800;}
  .card{position:relative;overflow:hidden;}
  .card::before{content:'';position:absolute;left:0;top:0;right:0;height:3px;background:linear-gradient(90deg,var(--navy-2),var(--accent));transform:scaleX(0);transform-origin:left;transition:transform .25s ease;}
  .card:hover::before{transform:scaleX(1);}
  .card .ic{width:48px;height:48px;border-radius:14px;background:var(--panel);display:flex;align-items:center;justify-content:center;font-size:24px;}
  .bigstep .n{background:linear-gradient(135deg,var(--navy),var(--navy-2));box-shadow:0 10px 20px -10px rgba(10,55,64,.6);}
  .ps-card,.outcome-card,.faq-list,.rev-photo{transition:transform .2s ease, box-shadow .2s ease;}
  .ps-card:hover,.outcome-card:hover{transform:translateY(-3px);box-shadow:0 18px 40px -24px rgba(10,55,64,.3);}
  .rev-photo:hover{transform:translateY(-4px);box-shadow:0 26px 50px -24px rgba(10,55,64,.4);}
  .trust-strip{gap:0;}
  .trust-strip .t{padding:0 48px;}
  .trust-strip .t+.t{border-left:1px solid var(--line);}
  .trust-strip .t b{font-size:34px;background:linear-gradient(135deg,var(--navy-2),var(--accent));-webkit-background-clip:text;background-clip:text;color:transparent;}
  .faq-item{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:18px 20px;margin-bottom:10px;transition:border-color .2s ease, box-shadow .2s ease;}
  .faq-item:hover,.faq-item[open]{border-color:rgba(47,158,61,.5);box-shadow:0 14px 30px -22px rgba(10,55,64,.3);}
  .cta-banner{position:relative;overflow:hidden;box-shadow:0 30px 60px -30px rgba(36,154,52,.6);}
  .cta-banner::before{content:'';position:absolute;right:-90px;top:-90px;width:300px;height:300px;border-radius:50%;background:rgba(255,255,255,.10);}
  .cta-banner::after{content:'';position:absolute;left:-70px;bottom:-110px;width:260px;height:260px;border-radius:50%;background:rgba(255,255,255,.07);}
  .cta-banner>*{position:relative;z-index:1;}
  .mobile-bar{display:none;}
  @media (max-width:640px){
    .trust-strip .t{padding:0 22px;}
    .trust-strip .t b{font-size:28px;}
    .mobile-bar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;gap:10px;padding:10px 14px calc(10px + env(safe-area-inset-bottom,0px));background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-top:1px solid var(--line);box-shadow:0 -10px 30px -18px rgba(10,55,64,.4);}
    .mobile-bar a{flex:1;padding:12px 10px;font-size:14px;}
    body{padding-bottom:70px;}
  }
  @media (prefers-reduced-motion:reduce){*{animation:none !important;transition:none !important;scroll-behavior:auto !important;}.reveal{opacity:1;transform:none;}}
  /* Hero side panels (wide screens) */
  .hero-side{display:none;}
  @media (min-width:1200px){
    .hero-side{display:flex;flex-direction:column;gap:16px;position:absolute;top:150px;width:216px;z-index:2;}
    .hero-side-l{left:clamp(16px,calc(50% - 690px),240px);}
    .hero-side-r{right:clamp(16px,calc(50% - 690px),240px);}
    .hs-card{background:rgba(255,255,255,.92);border:1px solid var(--line);border-radius:16px;padding:16px 16px 15px;box-shadow:0 20px 40px -26px rgba(10,55,64,.45);backdrop-filter:blur(6px);transition:transform .25s ease, box-shadow .25s ease;}
    .hero-side-l .hs-card:nth-child(1){transform:rotate(-1.6deg);}
    .hero-side-l .hs-card:nth-child(2){transform:translateX(18px) rotate(.8deg);}
    .hero-side-l .hs-card:nth-child(3){transform:rotate(-.8deg);}
    .hero-side-r .hs-card:nth-child(1){transform:rotate(1.4deg);}
    .hero-side-r .hs-card:nth-child(2){transform:translateX(-14px) rotate(-.8deg);}
    .hs-card:hover{transform:translateY(-4px) rotate(0);box-shadow:0 26px 46px -24px rgba(10,55,64,.5);}
    .hs-ic{width:38px;height:38px;border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:19px;background:linear-gradient(135deg,rgba(18,112,125,.14),rgba(47,158,61,.18));margin-bottom:10px;}
    .hs-card b{display:block;font-size:14px;color:var(--navy);margin-bottom:3px;}
    .hs-card span.d{display:block;font-size:12.5px;color:var(--sub);line-height:1.5;}
    .hs-stars{color:#f5b301;letter-spacing:2px;font-size:14px;margin-bottom:8px;}
    .hs-quote{font-size:13px;line-height:1.55;color:var(--text);margin:0 0 8px;}
    .hs-who{font-size:12px;font-weight:700;color:var(--navy);}
    .hs-steps{display:flex;flex-direction:column;gap:11px;}
    .hs-steps div{display:flex;gap:10px;align-items:flex-start;font-size:12.5px;color:var(--sub);line-height:1.45;}
    .hs-steps i{flex:none;width:22px;height:22px;border-radius:50%;background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;font-style:normal;font-weight:800;font-size:11.5px;display:flex;align-items:center;justify-content:center;}
    .hero-deco{position:absolute;pointer-events:none;border-radius:50%;border:2px solid rgba(18,112,125,.10);}
    .hero-deco.a{width:420px;height:420px;left:-120px;top:330px;}
    .hero-deco.b{width:300px;height:300px;left:-50px;top:400px;border-color:rgba(47,158,61,.12);}
    .hero-deco.c{width:460px;height:460px;right:-150px;top:300px;}
    .hero-deco.d{width:320px;height:320px;right:-60px;top:380px;border-color:rgba(47,158,61,.12);}
  }
  /* Marketing layer */
  .scroll-prog{position:fixed;top:0;left:0;height:3px;width:0;background:linear-gradient(90deg,var(--navy-2),var(--accent));z-index:200;transition:width .1s linear;}
  .float-cta{display:none;}
  @media (min-width:900px){
    .float-cta{display:flex;align-items:center;gap:10px;position:fixed;right:24px;bottom:24px;z-index:150;background:var(--navy);color:#fff;padding:12px 20px;border-radius:999px;font-weight:700;font-size:14.5px;text-decoration:none;box-shadow:0 18px 36px -12px rgba(10,55,64,.6);opacity:0;transform:translateY(20px);pointer-events:none;transition:opacity .3s,transform .3s;}
    .float-cta.show{opacity:1;transform:none;pointer-events:auto;}
    .float-cta:hover{background:var(--navy-2);}
    .float-cta i{width:9px;height:9px;border-radius:50%;background:#5be06b;box-shadow:0 0 0 0 rgba(91,224,107,.7);animation:fcp 2s infinite;}
    @keyframes fcp{70%{box-shadow:0 0 0 9px rgba(91,224,107,0);}100%{box-shadow:0 0 0 0 rgba(91,224,107,0);}}
  }
  @media (prefers-reduced-motion:reduce){.float-cta i{animation:none;}}
  /* Alignment fixes */
  @media (min-width:1200px){
    .hs-card{text-align:left;}
    .hs-card b{line-height:1.3;}
    .hs-quote{text-align:left;hyphens:none;}
    .hs-who{line-height:1.4;}
    .hs-ic{margin-left:0;}
  }
  /* Canberra backdrop + motion */
  .hero-scene{position:absolute;left:0;right:0;top:340px;height:560px;z-index:0;pointer-events:none;opacity:.9;-webkit-mask-image:linear-gradient(transparent,#000 28%,#000 80%,transparent);mask-image:linear-gradient(transparent,#000 28%,#000 80%,transparent);}
  .hero-scene svg{width:100%;height:100%;display:block;}
  .hero .wrap{position:relative;z-index:2;}
  .cl{animation:cdrift 60s linear infinite alternate;}.cl2{animation-duration:80s;animation-direction:alternate-reverse;}.cl3{animation-duration:50s;}
  @keyframes cdrift{from{transform:translateX(-60px);}to{transform:translateX(90px);}}
  .sun{animation:sunp 7s ease-in-out infinite;transform-origin:800px 340px;}
  @keyframes sunp{50%{opacity:.7;transform:scale(1.06);}}
  .shim{animation:shim 5s ease-in-out infinite;}
  @keyframes shim{50%{opacity:.3;transform:translateX(14px);}}
  .flag{animation:flg 3s ease-in-out infinite;transform-origin:1182px 132px;}
  @keyframes flg{50%{transform:skewY(-6deg) scaleX(.92);}}
  @keyframes fup{from{opacity:0;transform:translateY(22px);}to{opacity:1;transform:none;}}
  .hero-grid>div:first-child>*{animation:fup .9s cubic-bezier(.2,.7,.2,1) both;}
  .hero-grid>div:first-child>*:nth-child(1){animation-delay:.05s;}
  .hero-grid>div:first-child>*:nth-child(2){animation-delay:.2s;}
  .hero-grid>div:first-child>*:nth-child(3){animation-delay:.32s;}
  .hero-grid>div:first-child>*:nth-child(4){animation-delay:.44s;}
  .hero-grid>div:first-child>*:nth-child(5){animation-delay:.56s;}
  .hero-grid>div:first-child>*:nth-child(6){animation-delay:.68s;}
  .hero-grid>div:first-child>*:nth-child(7){animation-delay:.8s;}
  .hero .book-card{animation:fup .9s .95s cubic-bezier(.2,.7,.2,1) both;}
  .hero-brand{animation:fup .9s .05s cubic-bezier(.2,.7,.2,1) both, bob 7s 1s ease-in-out infinite !important;}
  @keyframes bob{50%{translate:0 -6px;}}
  .hero h1 .hi{background:linear-gradient(90deg,#2f9e3d,#12707d,#2f9e3d);background-size:200% 100%;-webkit-background-clip:text;background-clip:text;color:transparent;-webkit-text-fill-color:transparent;animation:hshine 6s linear infinite;}
  @keyframes hshine{to{background-position:-200% 0;}}
  .hero .btn-accent{position:relative;overflow:hidden;}
  .hero .btn-accent::after{content:"";position:absolute;top:0;left:-70%;width:50%;height:100%;background:linear-gradient(100deg,transparent,rgba(255,255,255,.45),transparent);transform:skewX(-20deg);animation:bshine 5s 2s infinite;}
  @keyframes bshine{0%,60%{left:-70%;}100%{left:140%;}}
  .grid4>.reveal:nth-child(2),.bigsteps>.reveal:nth-child(2){transition-delay:.1s;}
  .grid4>.reveal:nth-child(3),.bigsteps>.reveal:nth-child(3){transition-delay:.2s;}
  .grid4>.reveal:nth-child(4){transition-delay:.3s;}
  @media (min-width:1200px){
    .hero-side-l .hs-card:nth-child(1){animation:bob 8s ease-in-out infinite;}
    .hero-side-l .hs-card:nth-child(2){animation:bob 9s .8s ease-in-out infinite;}
    .hero-side-l .hs-card:nth-child(3){animation:bob 7.5s 1.6s ease-in-out infinite;}
    .hero-side-r .hs-card:nth-child(1){animation:bob 8.5s .4s ease-in-out infinite;}
    .hero-side-r .hs-card:nth-child(2){animation:bob 9.5s 1.2s ease-in-out infinite;}
  }
  @media (max-width:900px){.hero-scene{top:auto;bottom:0;height:380px;opacity:.7;}}
  @media (prefers-reduced-motion:reduce){
    .cl,.sun,.shim,.flag,.hero-brand,.hero h1 .hi,.hero .btn-accent::after,.hero-side .hs-card,.hero-grid>div:first-child>*,.hero .book-card{animation:none !important;}
  }
  /* Canberra photo backdrop */
  .hero-scene{top:0 !important;height:900px !important;opacity:1 !important;-webkit-mask-image:linear-gradient(#000 0,#000 62%,transparent 100%) !important;mask-image:linear-gradient(#000 0,#000 62%,transparent 100%) !important;overflow:hidden;}
  .hs-photo{position:absolute;inset:-3%;background:none center 55%/cover no-repeat;opacity:.62;filter:saturate(1.05);animation:kb 40s ease-in-out infinite alternate;}
  @keyframes kb{from{transform:scale(1);}to{transform:scale(1.08) translateX(-1.5%);}}
  .hs-wash{position:absolute;inset:0;background:radial-gradient(ellipse 46% 62% at 50% 46%,rgba(255,255,255,.92) 0%,rgba(255,255,255,.78) 45%,rgba(255,255,255,0) 100%),linear-gradient(180deg,rgba(238,245,243,.55),rgba(255,255,255,0) 40%);}
  @media (max-width:900px){.hero-scene{height:760px !important;}.hs-photo{opacity:.45;}.hs-wash{background:linear-gradient(180deg,rgba(255,255,255,.55),rgba(255,255,255,.88));}}
  @media (prefers-reduced-motion:reduce){.hs-photo{animation:none;}}
  /* Team */
  .team-block{text-align:center;}
  .tm-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:18px;margin-top:28px;max-width:1100px;margin-left:auto;margin-right:auto;}
  .tm-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px 18px 20px;display:flex;flex-direction:column;align-items:center;text-align:center;gap:5px;position:relative;overflow:hidden;transition:transform .25s,box-shadow .25s,border-color .25s;}
  .tm-card::before{content:"";position:absolute;left:0;right:0;top:0;height:4px;background:linear-gradient(90deg,var(--navy-2),var(--accent));}
  .tm-card:hover{transform:translateY(-5px);box-shadow:0 22px 40px -24px rgba(10,55,64,.45);border-color:var(--accent);}
  .tm-av{width:70px;height:70px;border-radius:50%;background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:22px;letter-spacing:.02em;margin-bottom:8px;box-shadow:0 0 0 4px rgba(47,158,61,.18);}
  .tm-card b{font-size:16px;color:var(--navy);}
  .tm-role{font-size:12.5px;color:var(--accent);font-weight:700;line-height:1.35;}
  .tm-city{font-size:12px;font-weight:700;color:var(--navy-2);background:var(--panel);padding:3px 11px;border-radius:999px;margin:4px 0 6px;}
  .tm-card a{font-size:13px;color:var(--sub);text-decoration:none;overflow-wrap:anywhere;line-height:1.5;}
  .tm-card a:hover{color:var(--navy);text-decoration:underline;}
  .team-block .section-sub{max-width:640px;margin-left:auto;margin-right:auto;text-align:center;}
  @media (min-width:1150px){.tm-grid{grid-template-columns:repeat(5,1fr);max-width:1180px;gap:14px;}.tm-card{padding:22px 8px 18px;}.tm-card a{font-size:11.2px;overflow-wrap:normal;white-space:nowrap;}}
  .tm-grid>.reveal:nth-child(2){transition-delay:.08s;}.tm-grid>.reveal:nth-child(3){transition-delay:.16s;}.tm-grid>.reveal:nth-child(4){transition-delay:.24s;}.tm-grid>.reveal:nth-child(5){transition-delay:.32s;}
  .tm-card{padding-top:0 !important;}
  .tm-card::before{display:none;}
  .tm-banner{align-self:stretch;height:92px;margin:0 -8px 0;background:linear-gradient(180deg,#bfe0e8 0%,#fbeedd 100%);position:relative;overflow:hidden;}
  .tm-banner svg{width:100%;height:100%;display:block;}
  .tm-card:hover .tm-banner svg{transform:scale(1.06);}
  .tm-banner svg{transition:transform .6s ease;transform-origin:50% 100%;}
  .tm-av{margin-top:-35px;position:relative;border:3px solid #fff;box-shadow:0 6px 16px -6px rgba(10,55,64,.5) !important;}
  .tm-card{padding-left:0 !important;padding-right:0 !important;}
  .tm-card>b,.tm-card>span,.tm-card>a{padding:0 12px;}
  .tm-banner{margin-bottom:14px;}
  /* Brand colour pass: AA contrast + logo-matched teal */
  .eyebrow,.kicker,.tm-role,.hero-chips span:before,.hs-who{color:var(--accent-text);}
  .hero p.lead{color:#1f3331 !important;font-weight:500;}
  .hero-points div{color:#1f3331 !important;font-weight:500;}
  .hero-points div::first-letter,.hero-points div b{color:var(--accent-text);}
  .bigstep .time,.broker-wrap p[style*="text-transform:uppercase"]{color:var(--accent-text) !important;}
  .calc-card .calc-radio.sel{border-color:var(--accent);}
  .hero h1 .hi{background-image:linear-gradient(90deg,var(--accent),var(--navy-2),var(--accent));}
  .hero-chips span{color:var(--navy);}
  ::selection{background:rgba(47,158,61,.25);}
  a.logo{text-decoration:none;}
  .logo-text{text-decoration:underline;text-decoration-thickness:2px;text-underline-offset:5px;text-decoration-color:var(--accent);}
  /* Legal documents */
  .legal-box{max-width:860px !important;}
  .legal-tabs{flex-wrap:wrap;}
  .legal-body h4{font-size:13.5px;letter-spacing:.03em;margin:22px 0 6px;}
  .legal-body h5{font-size:12.5px;color:var(--navy);margin:12px 0 4px;letter-spacing:.03em;}
  .legal-body table{width:100%;border-collapse:collapse;font-size:12.5px;margin:10px 0 14px;}
  .legal-body td,.legal-body th{border:1px solid var(--line);padding:7px 10px;text-align:left;vertical-align:top;}
  .legal-body th{background:var(--panel);color:var(--navy);}
  .legal-body table.kv td:first-child{width:36%;font-weight:600;color:var(--navy);}
  .legal-body ul.panel-list{columns:3;column-gap:22px;list-style:none;padding:0;font-size:12.5px;}
  @media (max-width:640px){.legal-body ul.panel-list{columns:1;}.legal-body table{font-size:11.5px;}.legal-body td,.legal-body th{padding:6px;}}
  .legal-body mark.ph{background:#fff3b0;color:#6a4b00;padding:1px 4px;border-radius:4px;font-weight:700;}
  /* Centered section headings to match hero */
  section .wrap>.eyebrow,section .wrap>.title,section .wrap>.section-sub{text-align:center;}
  section .wrap>.section-sub{margin-left:auto;margin-right:auto;}
  #about .wrap>.eyebrow,#about .wrap>.title{text-align:center;}
  .calc-card,.bigsteps,.faq-list{margin-left:auto;margin-right:auto;}
  #about .wrap>div[style*="max-width:720px"]{margin-left:auto !important;margin-right:auto !important;}
  #about .broker-wrap{max-width:860px;margin-left:auto;margin-right:auto;}
  /* Centered, logo-led hero */
  .hero{padding:44px 0 56px;}
  .hero-grid{grid-template-columns:1fr;gap:34px;justify-items:center;text-align:center;}
  .hero-grid>div:first-child{display:flex;flex-direction:column;align-items:center;max-width:720px;}
  .hero-brand{display:block;width:270px;height:auto;margin:0 auto 20px;}
  .hero h1{font-size:clamp(28px,4.2vw,44px);margin:0 0 16px;letter-spacing:-.01em;}
  @media (min-width:640px){.hero h1{white-space:nowrap;}}
  .hero p.lead{max-width:600px;margin:0 auto 22px;}
  .hero-points{align-items:flex-start;gap:9px;}
  .hero-points div{text-align:left;}
  .hero .ctas{justify-content:center;}
  .hero .book-card{width:100%;max-width:580px;text-align:left;}
  @media (max-width:560px){.hero-brand{width:200px;margin-bottom:16px;}.hero{padding:30px 0 40px;}}
  .foot-cols>div{min-width:0;}
  .foot-cols a{overflow-wrap:anywhere;}
  .foot-cols h5{color:var(--navy);font-size:13px;margin:0 0 12px;}
  .foot-cols a{display:block;color:var(--sub);text-decoration:none;margin-bottom:8px;font-size:13px;}
  .foot-cols a:hover{color:var(--accent);}
  .foot-bottom{border-top:1px solid var(--line);padding-top:20px;display:flex;flex-wrap:wrap;gap:12px;justify-content:space-between;}

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

  /* borrowing power calculator */
  .calc-card{background:var(--card);border:1px solid var(--line);border-radius:20px;padding:32px;max-width:720px;box-shadow:0 30px 70px -30px rgba(10,55,64,0.2);}
  @media (max-width:560px){.calc-card{padding:22px;}}
  .calc-steps{display:flex;justify-content:space-between;margin-bottom:30px;position:relative;}
  .calc-steps::before{content:'';position:absolute;top:15px;left:0;right:0;height:2px;background:var(--line);z-index:0;}
  .calc-step{display:flex;flex-direction:column;align-items:center;gap:6px;position:relative;z-index:1;flex:1;}
  .calc-step .dot{width:32px;height:32px;border-radius:50%;background:var(--card);border:2px solid var(--line);display:flex;align-items:center;justify-content:center;font-weight:800;font-size:13px;color:var(--sub);transition:all .2s ease;}
  .calc-step.active .dot{border-color:var(--accent);color:var(--accent);background:rgba(47,158,61,0.08);}
  .calc-step.done .dot{border-color:var(--accent);background:var(--accent);color:#fff;}
  .calc-step span{font-size:10.5px;font-weight:700;color:var(--sub);text-align:center;}
  .calc-step.active span{color:var(--navy);}
  @media (max-width:560px){.calc-step span{display:none;}}
  .calc-panel h3{margin:0 0 4px;font-size:18px;font-family:'Manrope';}
  .calc-panel p.calc-sub{margin:0 0 22px;font-size:13.5px;color:var(--sub);}
  .calc-grid2{display:grid;grid-template-columns:1fr 1fr;gap:10px;}
  @media (max-width:480px){.calc-grid2{grid-template-columns:1fr;}}
  .calc-radio-row{display:flex;gap:10px;margin-bottom:18px;}
  .calc-radio{flex:1;border:1.5px solid var(--line);border-radius:10px;padding:12px;text-align:center;cursor:pointer;font-weight:700;font-size:13.5px;color:var(--sub);transition:all .15s ease;}
  .calc-radio.sel{border-color:var(--accent);color:var(--accent);background:rgba(47,158,61,0.08);}
  .calc-nav{display:flex;justify-content:space-between;margin-top:22px;gap:10px;}
  .calc-nav button:only-child{margin-left:auto;}
  .calc-result-hero{text-align:center;padding:24px 0 8px;}
  .calc-result-hero .amt{font-size:clamp(34px,6vw,48px);font-weight:800;color:var(--navy);font-family:'Manrope';}
  .calc-result-hero .lbl{font-size:12.5px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--accent);margin-bottom:6px;}
  .calc-result-hero .sub{font-size:13.5px;color:var(--sub);margin-top:6px;}
  .calc-breakdown{border-top:1px solid var(--line);margin-top:20px;padding-top:16px;display:flex;flex-direction:column;gap:9px;}
  .calc-breakdown .row{display:flex;justify-content:space-between;gap:12px;font-size:13.5px;color:var(--sub);}
  .calc-breakdown .row b{color:var(--text);font-weight:700;text-align:right;}
  .calc-breakdown .row.total{border-top:1px solid var(--line);padding-top:9px;margin-top:4px;color:var(--navy);}
  .calc-breakdown .row.total b{color:var(--navy);}
  .calc-disclaimer{font-size:11.5px;color:var(--sub);line-height:1.6;margin-top:18px;padding:14px;background:var(--panel);border-radius:10px;}
  .consent-note{font-size:11.5px;color:var(--sub);line-height:1.55;margin-top:12px;}
  .consent-note a{color:var(--sub);text-decoration:underline;font-weight:600;}
  .consent-note a:hover{color:var(--accent);}
  .legal-modal{position:fixed;inset:0;background:rgba(10,31,28,.55);z-index:999;display:flex;align-items:center;justify-content:center;padding:18px;}
  .legal-modal[hidden]{display:none !important;}
  .legal-box{background:var(--card);border-radius:16px;max-width:720px;width:100%;max-height:85vh;overflow:hidden;display:flex;flex-direction:column;box-shadow:0 20px 60px rgba(0,0,0,.3);}
  .legal-head{display:flex;align-items:center;justify-content:space-between;padding:18px 22px;border-bottom:1px solid var(--line);}
  .legal-head h3{margin:0;font-size:18px;color:var(--navy);}
  .legal-close{background:none;border:none;font-size:22px;line-height:1;cursor:pointer;color:var(--sub);padding:4px 8px;}
  .legal-close:hover{color:var(--text);}
  .legal-tabs{display:flex;gap:6px;padding:14px 22px 0;}
  .legal-tab{font-size:13px;font-weight:700;padding:8px 14px;border-radius:100px;border:1px solid var(--line);background:var(--panel);color:var(--sub);cursor:pointer;}
  .legal-tab.active{background:var(--accent);border-color:var(--accent);color:#fff;}
  .legal-body{padding:18px 22px 24px;overflow-y:auto;font-size:13.5px;line-height:1.7;color:var(--sub);}
  .legal-body h4{color:var(--navy);font-size:14.5px;margin:18px 0 6px;}
  .legal-body h4:first-child{margin-top:0;}
  .legal-body p{margin:0 0 10px;}
  .legal-body ul{margin:0 0 10px;padding-left:20px;}
  .legal-body li{margin-bottom:6px;}
  .legal-panel[hidden]{display:none;}

.sub-hero{padding:56px 0 48px;text-align:center;background:linear-gradient(180deg,var(--panel),#fff 80%);}
.sub-hero h1{font-size:clamp(30px,4.4vw,46px);margin:0 auto 16px;max-width:820px;color:var(--navy);}
.sub-hero .lead{max-width:640px;margin:0 auto 24px;color:var(--sub);font-size:17.5px;line-height:1.65;}
.sub-hero .ctas{justify-content:center;}
.crumbs{font-size:13px;color:var(--sub);margin-bottom:18px;}.crumbs a{color:var(--navy-2);text-decoration:none;font-weight:600;}
.sub-note{max-width:760px;margin:26px auto 0;text-align:center;font-size:12.5px;color:var(--sub);line-height:1.6;}
.rel{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;margin-top:8px;}
.rel a{padding:10px 18px;border:1px solid var(--line);border-radius:999px;text-decoration:none;color:var(--navy);font-weight:700;font-size:14px;background:#fff;}
.rel a:hover{border-color:var(--accent);}
.chip-sub{padding:9px 16px;border:1px solid var(--line);border-radius:999px;background:#fff;color:var(--navy);font-weight:600;font-size:13.5px;}
a.logo{text-decoration:none;}
.logo-text{text-decoration:underline;text-decoration-thickness:2px;text-underline-offset:5px;text-decoration-color:var(--accent);}

/* Canberra Home Loans — Header refinement */
header a.logo {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    text-decoration: none !important;
}

header a.logo .logo-text {
    text-decoration: none !important;
    font-size: 19px;
    font-weight: 800;
    line-height: 1.2;
    letter-spacing: -0.35px;
}

header a.logo img {
    width: auto;
    height: 46px;
    object-fit: contain;
    flex-shrink: 0;
}

header .nav {
    display: flex;
    align-items: center;
    gap: 20px;
}

header .nav a:not(.btn) {
    text-decoration: none !important;
    font-size: 14px;
    font-weight: 600;
    line-height: 1.4;
}

header .nav a:not(.btn):hover {
    color: var(--accent);
}

@media (max-width: 768px) {
    header a.logo {
        gap: 8px;
    }

    header a.logo .logo-text {
        font-size: 16px;
    }

    header a.logo img {
        height: 36px;
    }
}