/* =====================================================
   MORTGAGE ON TAP — Main Stylesheet
   Professional UK Mortgage Broker Website
   ===================================================== */

/* ------ VARIABLES ------ */
:root {
  --navy:       #0d2240;
  --navy-light: #1a3a6b;
  --navy-mid:   #112d57;
  --gold:       #c9a84c;
  --gold-light: #e2c47a;
  --gold-dark:  #a8872d;
  --white:      #ffffff;
  --off-white:  #f7f8fc;
  --light-grey: #eef0f6;
  --mid-grey:   #8a92a6;
  --dark-grey:  #3d4459;
  --text:       #1e2535;
  --text-light: #5c6478;
  --green:      #1a9e6d;
  --red:        #c9373a;

  --font-serif: 'Playfair Display', Georgia, serif;
  --font-sans:  'Inter', -apple-system, BlinkMacSystemFont, sans-serif;

  --radius:   12px;
  --radius-sm: 6px;
  --shadow:   0 4px 24px rgba(13,34,64,0.08);
  --shadow-lg: 0 16px 48px rgba(13,34,64,0.14);
  --transition: 0.25s ease;
}

/* ------ RESET ------ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-sans);
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
input, button, select, textarea { font-family: inherit; }

/* ------ CONTAINER ------ */
.container {
  width: 100%;
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ------ UTILITIES ------ */
.hidden { display: none !important; }
.text-center { text-align: center; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }

/* =====================================================
   BUTTONS
   ===================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 28px;
  border-radius: 8px;
  font-size: 0.95rem;
  font-weight: 600;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
  white-space: nowrap;
}
.btn--primary {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}
.btn--primary:hover {
  background: var(--gold-dark);
  border-color: var(--gold-dark);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(201,168,76,0.35);
}
.btn--outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn--outline:hover {
  background: var(--navy);
  color: var(--white);
  transform: translateY(-1px);
}
.btn--ghost {
  background: transparent;
  color: var(--navy);
  border-color: transparent;
}
.btn--ghost:hover { color: var(--gold-dark); }
.btn--white {
  background: var(--white);
  color: var(--navy);
  border-color: var(--white);
}
.btn--white:hover {
  background: var(--off-white);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(255,255,255,0.2);
}
.btn--lg { padding: 15px 36px; font-size: 1.05rem; }
.btn--sm { padding: 8px 16px; font-size: 0.82rem; border-radius: 6px; }
.btn--block { width: 100%; }

/* =====================================================
   TOP BAR
   ===================================================== */
.top-bar {
  background: var(--navy);
  color: rgba(255,255,255,0.8);
  font-size: 0.8rem;
  padding: 8px 0;
}
.top-bar__inner {
  display: flex;
  align-items: center;
  gap: 24px;
  justify-content: flex-end;
}
.fca-badge {
  background: var(--gold);
  color: var(--navy);
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 4px;
  font-size: 0.75rem;
  letter-spacing: 0.02em;
}

/* =====================================================
   HEADER
   ===================================================== */
.header {
  position: sticky;
  top: 0;
  z-index: 999;
  background: var(--white);
  border-bottom: 1px solid var(--light-grey);
  box-shadow: 0 2px 16px rgba(13,34,64,0.06);
  transition: box-shadow var(--transition);
}
.header--scrolled { box-shadow: 0 4px 24px rgba(13,34,64,0.12); }
.header__inner {
  display: flex;
  align-items: center;
  gap: 32px;
  height: 72px;
}

/* Logo */
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}
.logo__mark {
  width: 40px;
  height: 40px;
  background: var(--navy);
  color: var(--gold);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-serif);
  font-weight: 700;
  font-size: 1.25rem;
}
.logo__text {
  font-family: var(--font-sans);
  font-weight: 700;
  font-size: 1.15rem;
  color: var(--navy);
  line-height: 1.2;
}
.logo__text em {
  display: block;
  font-style: normal;
  color: var(--gold-dark);
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.logo--white .logo__text,
.logo--white .logo__text em { color: var(--white); }
.logo--white .logo__mark { background: var(--gold); color: var(--navy); }

/* Nav */
.nav { margin-left: auto; }
.nav__list {
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav__item { position: relative; }
.nav__link {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 8px 14px;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text);
  border-radius: 6px;
  transition: all var(--transition);
}
.nav__link:hover { color: var(--navy); background: var(--off-white); }
.caret { font-size: 0.6rem; transition: transform var(--transition); }
.nav__item:hover .caret { transform: rotate(180deg); }

/* Dropdown */
.dropdown {
  display: none;
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  background: var(--white);
  border: 1px solid var(--light-grey);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  min-width: 220px;
  padding: 8px;
  z-index: 100;
}
.nav__item--dropdown:hover .dropdown { display: block; }
.dropdown a {
  display: block;
  padding: 10px 16px;
  font-size: 0.88rem;
  color: var(--text);
  border-radius: 6px;
  transition: all var(--transition);
  font-weight: 500;
}
.dropdown a:hover { background: var(--off-white); color: var(--navy); padding-left: 20px; }

.header__actions {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
  margin-left: auto;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: all var(--transition);
}

/* =====================================================
   HERO
   ===================================================== */
.hero {
  position: relative;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 60%, #1e4a8c 100%);
  min-height: 680px;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding: 80px 0 60px;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 20% 50%, rgba(201,168,76,0.12) 0%, transparent 50%),
    radial-gradient(circle at 80% 20%, rgba(255,255,255,0.04) 0%, transparent 40%);
}
.hero::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 120px;
  background: linear-gradient(to top, var(--white) 0%, transparent 100%);
  pointer-events: none;
}
.hero__inner {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 64px;
  align-items: center;
}
.hero__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(201,168,76,0.15);
  border: 1px solid rgba(201,168,76,0.3);
  color: var(--gold-light);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 100px;
  margin-bottom: 24px;
}
.hero__title {
  font-family: var(--font-serif);
  font-size: clamp(2.4rem, 5vw, 3.6rem);
  font-weight: 700;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 20px;
}
.hero__title em {
  font-style: normal;
  color: var(--gold);
}
.hero__sub {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.78);
  max-width: 520px;
  margin-bottom: 36px;
  line-height: 1.7;
}
.hero__ctas {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 28px;
}
.hero__ctas .btn--outline {
  color: var(--white);
  border-color: rgba(255,255,255,0.4);
}
.hero__ctas .btn--outline:hover {
  background: rgba(255,255,255,0.1);
  border-color: rgba(255,255,255,0.7);
}
.hero__trust {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}
.trust-pill {
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.85);
  font-size: 0.8rem;
  font-weight: 500;
  padding: 6px 14px;
  border-radius: 100px;
}

.hero__scroll-hint {
  position: absolute;
  bottom: 32px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,0.4);
  font-size: 0.72rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  z-index: 3;
}
.scroll-arrow {
  width: 20px;
  height: 20px;
  border-right: 2px solid rgba(255,255,255,0.3);
  border-bottom: 2px solid rgba(255,255,255,0.3);
  transform: rotate(45deg);
  animation: bounce 1.5s infinite;
}
@keyframes bounce {
  0%, 100% { transform: rotate(45deg) translateY(0); }
  50% { transform: rotate(45deg) translateY(5px); }
}

/* Quick Calculator Card */
.quick-calc {
  background: var(--white);
  border-radius: 20px;
  box-shadow: var(--shadow-lg), 0 0 0 1px rgba(13,34,64,0.04);
  overflow: hidden;
}
.quick-calc__header {
  background: var(--navy);
  padding: 24px 28px 20px;
}
.quick-calc__header h3 {
  color: var(--white);
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 4px;
}
.quick-calc__header p {
  color: rgba(255,255,255,0.6);
  font-size: 0.85rem;
}
.quick-calc__tabs {
  display: flex;
  border-bottom: 2px solid var(--light-grey);
}
.calc-tab {
  flex: 1;
  padding: 14px;
  background: none;
  border: none;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--mid-grey);
  cursor: pointer;
  transition: all var(--transition);
  position: relative;
}
.calc-tab.active {
  color: var(--navy);
}
.calc-tab.active::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--gold);
}
.quick-calc__body { padding: 24px 28px 28px; }

/* =====================================================
   FORM ELEMENTS
   ===================================================== */
.form-group { margin-bottom: 16px; }
.form-group label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--dark-grey);
  margin-bottom: 6px;
  letter-spacing: 0.01em;
}
.optional {
  color: var(--mid-grey);
  font-weight: 400;
}
.form-group input,
.form-group select {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--light-grey);
  border-radius: 8px;
  font-size: 0.95rem;
  color: var(--text);
  transition: border-color var(--transition), box-shadow var(--transition);
  background: var(--white);
}
.form-group input:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(13,34,64,0.08);
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.toggle-group {
  display: flex;
  border: 1.5px solid var(--light-grey);
  border-radius: 8px;
  overflow: hidden;
}
.toggle-btn {
  flex: 1;
  padding: 11px;
  background: none;
  border: none;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--mid-grey);
  cursor: pointer;
  transition: all var(--transition);
}
.toggle-btn.active {
  background: var(--navy);
  color: var(--white);
}
.calc-result {
  margin-top: 16px;
  padding: 16px;
  background: var(--off-white);
  border-radius: 8px;
  border-left: 3px solid var(--gold);
  font-size: 0.9rem;
  color: var(--navy);
  display: none;
}
.calc-result.show { display: block; }
.calc-result strong { font-size: 1.4rem; display: block; color: var(--navy); }

/* =====================================================
   TRUST STRIP
   ===================================================== */
.trust-strip {
  background: var(--white);
  border-bottom: 1px solid var(--light-grey);
  padding: 28px 0;
  box-shadow: 0 4px 20px rgba(13,34,64,0.04);
}
.trust-strip__inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  flex-wrap: wrap;
}
.trust-strip__item {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 0 40px;
}
.trust-strip__item > div > strong {
  display: block;
  font-size: 0.95rem;
  color: var(--navy);
  font-weight: 700;
}
.trust-strip__item > div > span {
  display: block;
  font-size: 0.8rem;
  color: var(--text-light);
}
.trust-strip__icon {
  font-size: 1.8rem;
  flex-shrink: 0;
}
.trust-strip__divider {
  width: 1px;
  height: 48px;
  background: var(--light-grey);
}

/* =====================================================
   SECTIONS
   ===================================================== */
.section { padding: 96px 0; }
.section__header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 60px;
}
.section__eyebrow {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 12px;
  position: relative;
}
.section__eyebrow::before,
.section__eyebrow::after {
  content: '';
  display: inline-block;
  width: 20px;
  height: 1px;
  background: var(--gold-dark);
  vertical-align: middle;
  margin: 0 8px;
}
.section__title {
  font-family: var(--font-serif);
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 16px;
}
.section__sub {
  font-size: 1rem;
  color: var(--text-light);
  line-height: 1.7;
}

/* =====================================================
   MORTGAGE TYPE CARDS
   ===================================================== */
.mortgage-types { background: var(--off-white); }
.cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.card--mortgage {
  display: block;
  background: var(--white);
  border: 1.5px solid var(--light-grey);
  border-radius: var(--radius);
  padding: 32px 28px;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.card--mortgage::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--navy), var(--gold));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition);
}
.card--mortgage:hover {
  border-color: rgba(13,34,64,0.15);
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}
.card--mortgage:hover::before { transform: scaleX(1); }
.card__icon {
  font-size: 2.2rem;
  margin-bottom: 16px;
}
.card--mortgage h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}
.card--mortgage p {
  font-size: 0.88rem;
  color: var(--text-light);
  line-height: 1.65;
  margin-bottom: 20px;
}
.card__cta {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--gold-dark);
  letter-spacing: 0.02em;
}

/* =====================================================
   HOW IT WORKS
   ===================================================== */
.how-it-works { background: var(--white); }
.steps {
  display: flex;
  align-items: flex-start;
  gap: 0;
  margin-bottom: 48px;
}
.step {
  flex: 1;
  text-align: center;
  padding: 0 20px;
}
.step__number {
  width: 64px;
  height: 64px;
  background: var(--navy);
  color: var(--gold);
  font-family: var(--font-serif);
  font-size: 1.4rem;
  font-weight: 700;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  position: relative;
  box-shadow: 0 8px 24px rgba(13,34,64,0.2);
}
.step__body h3 {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}
.step__body p {
  font-size: 0.88rem;
  color: var(--text-light);
  line-height: 1.65;
}
.step__connector {
  flex: 0 0 60px;
  height: 2px;
  background: linear-gradient(90deg, var(--navy), var(--gold));
  margin-top: 32px;
  opacity: 0.3;
}
.how-it-works__cta { text-align: center; }

/* =====================================================
   RATES SPOTLIGHT
   ===================================================== */
.rates-spotlight { background: var(--off-white); }
.rates-tabs {
  display: flex;
  gap: 8px;
  margin-bottom: 24px;
  flex-wrap: wrap;
}
.rates-tab {
  padding: 9px 20px;
  border-radius: 100px;
  border: 1.5px solid var(--light-grey);
  background: var(--white);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-light);
  cursor: pointer;
  transition: all var(--transition);
}
.rates-tab.active {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}
.rates-tab:hover:not(.active) {
  border-color: var(--navy);
  color: var(--navy);
}
.rates-table {
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--light-grey);
  overflow: hidden;
  box-shadow: var(--shadow);
}
.rates-table__head {
  display: grid;
  grid-template-columns: 2fr 1.5fr 1fr 1fr 1fr 1fr 1fr;
  padding: 14px 24px;
  background: var(--navy);
  color: rgba(255,255,255,0.7);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.rate-row {
  display: grid;
  grid-template-columns: 2fr 1.5fr 1fr 1fr 1fr 1fr 1fr;
  padding: 18px 24px;
  align-items: center;
  border-bottom: 1px solid var(--light-grey);
  font-size: 0.9rem;
  transition: background var(--transition);
}
.rate-row:last-child { border-bottom: none; }
.rate-row:hover { background: var(--off-white); }
.rate-row.hidden { display: none; }
.lender-name {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 600;
  color: var(--navy);
}
.lender-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  flex-shrink: 0;
}
.rate-highlight {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy);
}
.badge {
  display: inline-block;
  padding: 4px 10px;
  border-radius: 100px;
  font-size: 0.75rem;
  font-weight: 600;
}
.badge--blue  { background: rgba(13,34,64,0.1); color: var(--navy); }
.badge--gold  { background: rgba(201,168,76,0.15); color: var(--gold-dark); }
.badge--green { background: rgba(26,158,109,0.12); color: var(--green); }
.badge--navy  { background: var(--navy); color: var(--white); }
.rates-disclaimer {
  margin-top: 16px;
  font-size: 0.78rem;
  color: var(--mid-grey);
}

/* =====================================================
   FULL CALCULATOR
   ===================================================== */
.calculator-section { background: var(--navy); }
.calculator-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.calculator-info .section__eyebrow { color: var(--gold-light); }
.calculator-info .section__eyebrow::before,
.calculator-info .section__eyebrow::after { background: var(--gold-light); }
.calculator-info .section__title { color: var(--white); text-align: left; }
.calculator-info p { color: rgba(255,255,255,0.72); line-height: 1.7; margin-bottom: 20px; }
.calc-features { list-style: none; margin-bottom: 8px; }
.calc-features li {
  color: rgba(255,255,255,0.8);
  font-size: 0.9rem;
  padding: 6px 0;
}
.calc-features li::before { content: none; }
.calculator-tool {
  background: var(--white);
  border-radius: 20px;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.calc-inputs { padding: 32px; border-bottom: 1px solid var(--light-grey); }
.calc-output { padding: 32px; background: var(--off-white); }
.calc-output__main {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  margin-bottom: 24px;
  padding-bottom: 20px;
  border-bottom: 1px solid var(--light-grey);
}
.calc-output__label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-light);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.calc-output__value {
  font-family: var(--font-serif);
  font-size: 2.2rem;
  font-weight: 700;
  color: var(--navy);
}
.calc-output__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 24px;
}
.calc-output__stat { }
.stat-label {
  display: block;
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--mid-grey);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 4px;
}
.stat-value {
  display: block;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--navy);
}
.calc-bar__label {
  display: flex;
  justify-content: space-between;
  font-size: 0.78rem;
  color: var(--text-light);
  margin-bottom: 8px;
}
.calc-bar__label span:first-child { color: var(--navy); }
.calc-bar__label span:last-child { color: var(--gold-dark); }
.calc-bar__track {
  height: 10px;
  background: rgba(201,168,76,0.25);
  border-radius: 100px;
  overflow: hidden;
}
.calc-bar__fill {
  height: 100%;
  background: var(--navy);
  border-radius: 100px;
  transition: width 0.4s ease;
}

/* =====================================================
   WHY US
   ===================================================== */
.why-us { background: var(--white); }
.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
}
.why-item { padding: 8px 0; }
.why-item__icon {
  font-size: 2rem;
  margin-bottom: 16px;
}
.why-item h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}
.why-item p {
  font-size: 0.88rem;
  color: var(--text-light);
  line-height: 1.7;
}

/* =====================================================
   TESTIMONIALS
   ===================================================== */
.testimonials { background: var(--off-white); }
.stars-overall {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  margin-top: 8px;
  font-size: 0.9rem;
  color: var(--text-light);
}
.stars { color: #f5a623; font-size: 1.1rem; }
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.testimonial {
  background: var(--white);
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: var(--shadow);
  border: 1px solid var(--light-grey);
  position: relative;
}
.testimonial::before {
  content: '\201C';
  position: absolute;
  top: 20px;
  right: 28px;
  font-family: var(--font-serif);
  font-size: 4rem;
  color: var(--gold);
  opacity: 0.3;
  line-height: 1;
}
.testimonial__stars { color: #f5a623; margin-bottom: 16px; font-size: 0.9rem; }
.testimonial blockquote {
  font-size: 0.93rem;
  color: var(--text);
  line-height: 1.7;
  font-style: italic;
  margin-bottom: 24px;
}
.testimonial__author {
  display: flex;
  align-items: center;
  gap: 14px;
}
.testimonial__avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold);
  font-weight: 700;
  font-size: 0.85rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.testimonial__author strong {
  display: block;
  font-size: 0.9rem;
  color: var(--navy);
}
.testimonial__author span {
  display: block;
  font-size: 0.78rem;
  color: var(--mid-grey);
}

/* =====================================================
   LENDERS
   ===================================================== */
.lenders { background: var(--white); }
.lenders-logos {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  justify-content: center;
}
.lender-logo {
  background: var(--off-white);
  border: 1.5px solid var(--light-grey);
  border-radius: 10px;
  padding: 14px 24px;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--dark-grey);
  transition: all var(--transition);
  min-width: 120px;
  text-align: center;
}
.lender-logo:hover {
  border-color: var(--navy);
  color: var(--navy);
  box-shadow: 0 4px 14px rgba(13,34,64,0.1);
}
.lender-logo:last-child {
  background: var(--navy);
  color: var(--gold);
  border-color: var(--navy);
}

/* =====================================================
   GUIDES
   ===================================================== */
.guides { background: var(--off-white); }
.guides-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.guide-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 32px;
  border: 1px solid var(--light-grey);
  transition: all var(--transition);
}
.guide-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-3px);
}
.guide-card__tag {
  display: inline-block;
  background: rgba(13,34,64,0.07);
  color: var(--navy);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 4px;
  margin-bottom: 14px;
}
.guide-card h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.4;
  margin-bottom: 10px;
}
.guide-card p {
  font-size: 0.85rem;
  color: var(--text-light);
  line-height: 1.65;
  margin-bottom: 20px;
}
.guide-card__link {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--gold-dark);
  transition: color var(--transition);
}
.guide-card__link:hover { color: var(--navy); }

/* =====================================================
   CTA BAND
   ===================================================== */
.cta-band {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-dark) 100%);
  padding: 72px 0;
}
.cta-band__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
}
.cta-band__text h2 {
  font-family: var(--font-serif);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  color: var(--navy);
  margin-bottom: 8px;
}
.cta-band__text p {
  color: rgba(13,34,64,0.7);
  font-size: 1rem;
}
.cta-band .btn--white {
  flex-shrink: 0;
  box-shadow: 0 8px 28px rgba(13,34,64,0.2);
}

/* =====================================================
   FOOTER
   ===================================================== */
.footer {
  background: var(--navy);
  color: rgba(255,255,255,0.7);
}
.footer__top {
  display: grid;
  grid-template-columns: 1.8fr 2.2fr;
  gap: 64px;
  padding: 72px 24px 56px;
  max-width: 1240px;
  margin: 0 auto;
}
.footer__brand .logo { margin-bottom: 20px; }
.footer__brand p {
  font-size: 0.78rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.5);
  max-width: 360px;
}
.footer__badges {
  display: flex;
  gap: 8px;
  margin-top: 16px;
  flex-wrap: wrap;
}
.footer-badge {
  border: 1px solid rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.6);
  font-size: 0.7rem;
  font-weight: 600;
  padding: 4px 10px;
  border-radius: 4px;
  letter-spacing: 0.04em;
}
.footer__links {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}
.footer__col h4 {
  color: var(--white);
  font-size: 0.85rem;
  font-weight: 700;
  margin-bottom: 16px;
  letter-spacing: 0.03em;
}
.footer__col ul li { margin-bottom: 10px; }
.footer__col ul li a {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.5);
  transition: color var(--transition);
}
.footer__col ul li a:hover { color: var(--gold-light); }
.footer__bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 24px 0;
}
.footer__bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 32px;
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 24px;
}
.footer__bottom p { font-size: 0.78rem; color: rgba(255,255,255,0.4); }
.footer__legal-note { max-width: 640px; line-height: 1.6; }

/* =====================================================
   RESPONSIVE
   ===================================================== */
@media (max-width: 1100px) {
  .hero__inner { grid-template-columns: 1fr 360px; gap: 40px; }
  .cards-grid { grid-template-columns: repeat(2, 1fr); }
  .why-grid { grid-template-columns: repeat(2, 1fr); }
  .calculator-wrapper { grid-template-columns: 1fr; gap: 40px; }
  .calculator-info { text-align: center; }
  .calculator-info .section__title { text-align: center; }
  .rates-table__head,
  .rate-row { grid-template-columns: 2fr 1.5fr 1fr 1fr 1fr; }
  .rates-table__head span:nth-child(4),
  .rates-table__head span:nth-child(5),
  .rate-row span:nth-child(4),
  .rate-row span:nth-child(5) { display: none; }
}

@media (max-width: 900px) {
  .hero__inner { grid-template-columns: 1fr; }
  .hero__card { max-width: 480px; margin: 0 auto; width: 100%; }
  .hero { padding: 64px 0 80px; min-height: auto; }
  .steps { flex-direction: column; align-items: center; gap: 24px; }
  .step__connector { width: 2px; height: 40px; }
  .step { width: 100%; max-width: 420px; text-align: left; display: flex; align-items: flex-start; gap: 20px; }
  .step__number { margin: 0; flex-shrink: 0; }
  .testimonials-grid { grid-template-columns: 1fr; max-width: 560px; margin: 0 auto; }
  .footer__top { grid-template-columns: 1fr; gap: 40px; }
  .footer__links { grid-template-columns: repeat(2, 1fr); }
  .cta-band__inner { flex-direction: column; text-align: center; }
}

@media (max-width: 700px) {
  .section { padding: 64px 0; }
  .top-bar__inner { justify-content: center; gap: 12px; font-size: 0.72rem; }
  .top-bar__inner span:first-child { display: none; }
  .nav, .header__actions { display: none; }
  .hamburger { display: flex; }
  .header__inner { height: 64px; }
  .cards-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .guides-grid { grid-template-columns: 1fr; }
  .rates-table__head,
  .rate-row { grid-template-columns: 2fr 1.5fr 1fr 1fr; font-size: 0.8rem; padding: 14px 16px; }
  .rates-table__head span:nth-child(5),
  .rates-table__head span:nth-child(6),
  .rate-row span:nth-child(5),
  .rate-row span:nth-child(6) { display: none; }
  .trust-strip__inner { flex-direction: column; gap: 20px; }
  .trust-strip__divider { width: 60px; height: 1px; }
  .trust-strip__item { padding: 0; }
  .form-row { grid-template-columns: 1fr; }
  .footer__links { grid-template-columns: 1fr 1fr; }
  .footer__bottom-inner { flex-direction: column; gap: 12px; }
  .hero__ctas { flex-direction: column; }
  .hero__ctas .btn { text-align: center; justify-content: center; }
}

/* Mobile nav open state */
.nav--open {
  display: flex !important;
  flex-direction: column;
  position: fixed;
  top: 64px;
  left: 0;
  right: 0;
  bottom: 0;
  background: var(--white);
  z-index: 998;
  padding: 24px;
  overflow-y: auto;
}
.nav--open .nav__list { flex-direction: column; gap: 4px; }
.nav--open .nav__link { font-size: 1.05rem; padding: 14px 20px; }
.nav--open .dropdown {
  display: block;
  position: static;
  box-shadow: none;
  border: none;
  background: var(--off-white);
  border-radius: 8px;
  margin: 4px 0 8px 20px;
}