/* ==========================================================================
   Quaystone — "Tide" design system
   Source of truth: design_handoff_tide/ (README.md + Design System.dc.html).
   All values are tokens from tokens.css. Apricot = mortgage contexts,
   teal = planning contexts, never both in one component.
   ========================================================================== */

/* Quaystone — Tide design system tokens (from handoff tokens.css) */
:root {
  /* Colour */
  --plum: #2D1E3E;
  --plum-deep: #241733;
  --heather: #6B4A8C;
  --ink-2: #4E3F5E;
  --muted: #8A7A9A;
  --cream: #FAF6F1;
  --sand: #F1E9E0;
  --sand-deep: #EBE1D5;
  --line: #DDD2C4;
  --white: #FFFFFF;
  --apricot: #FFB162;
  --peach: #FFF1E0;
  --teal: #2F6F6A;
  --teal-deep: #275E5A;
  --mint: #DCEBE8;
  --mint-deep: #BFE3DE;
  --brick: #B5473A;

  /* Type */
  --font-display: 'Bricolage Grotesque', 'Trebuchet MS', sans-serif;
  --font-body: 'Onest', 'Segoe UI', sans-serif;
  --fs-display-xl: clamp(56px, 8.6vw, 124px);
  --fs-display-l:  clamp(48px, 6.1vw, 88px);
  --fs-h1: clamp(40px, 4.4vw, 64px);
  --fs-h2: clamp(32px, 3.3vw, 48px);
  --fs-h3: 28px;
  --fs-card: 24px;
  --fs-lead: 20px;
  --fs-body: 17px;
  --fs-small: 14px;
  --fs-eyebrow: 13px;
  --fs-legal: 13px;

  /* Space */
  --s-4: 4px; --s-8: 8px; --s-12: 12px; --s-16: 16px; --s-20: 20px; --s-24: 24px;
  --s-32: 32px; --s-40: 40px; --s-48: 48px; --s-56: 56px; --s-64: 64px; --s-72: 72px;
  --s-96: 96px; --s-120: 120px; --s-140: 140px;
  --gutter: 48px;
  --section: 140px;
  --container: 1440px;

  /* Radius */
  --r-sm: 12px;
  --r-md: 20px;
  --r-lg: 28px;
  --r-xl: 32px;
  --r-band: 40px;
  --r-pill: 999px;

  /* Elevation */
  --shadow-menu: 0 30px 80px rgba(45,30,62,.14);
  --shadow-badge: 0 20px 50px rgba(45,30,62,.18);
  --focus-ring: 0 0 0 3px rgba(255,177,98,.4);

  /* Motion */
  --ease: cubic-bezier(.2,.7,.2,1);
  --t-colour: 200ms;
  --t-menu: 220ms;
  --t-reveal: 600ms;
}
@media (prefers-reduced-motion: reduce) {
  :root { --t-menu: 0ms; --t-reveal: 0ms; }
}

/* --------------------------------------------------------------------------
   Base
   -------------------------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

body {
  margin: 0;
  background: var(--cream);
  color: var(--plum);
  font-family: var(--font-body);
  font-size: var(--fs-body);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--plum); text-decoration: none; transition: color var(--t-colour), background var(--t-colour), border-color var(--t-colour); }
a:hover { color: var(--heather); }
p { margin: 0 0 var(--s-16); }
p:last-child { margin-bottom: 0; }
[id] { scroll-margin-top: 24px; }

h1, h2, h3 {
  font-family: var(--font-display);
  font-weight: 600;
  margin: 0 0 var(--s-16);
  color: inherit;
}
h1 { font-size: var(--fs-h1); line-height: .98; letter-spacing: -.035em; }
h2 { font-size: var(--fs-h2); line-height: .98; letter-spacing: -.035em; }
h3 { font-size: var(--fs-h3); line-height: 1.05; letter-spacing: -.02em; }
.display-xl { font-size: var(--fs-display-xl); line-height: .9; letter-spacing: -.045em; text-wrap: balance; }
.display-l { font-size: var(--fs-display-l); line-height: .94; letter-spacing: -.045em; text-wrap: balance; }

.container { max-width: var(--container); margin: 0 auto; }
.section { padding: var(--section) var(--gutter) 0; }
.section--flush { padding-top: 56px; }
.lead { font-size: var(--fs-lead); line-height: 1.5; color: var(--ink-2); }
.body-muted { color: var(--ink-2); }
.small { font-size: var(--fs-small); line-height: 1.5; }
.accent-dot { color: var(--apricot); }
.accent-dot--teal { color: var(--teal); }

:focus-visible { outline: none; box-shadow: var(--focus-ring); border-radius: var(--r-sm); }

.visually-hidden {
  position: absolute; width: 1px; height: 1px; margin: -1px; padding: 0;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}
.skip-link { position: absolute; left: -999px; top: 0; background: var(--plum); color: var(--cream); padding: 10px 16px; z-index: 200; border-radius: 0 0 var(--r-sm) 0; }
.skip-link:focus { left: 0; color: var(--cream); }

/* --------------------------------------------------------------------------
   Eyebrow, breadcrumb, chips, option cards
   -------------------------------------------------------------------------- */
.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-size: var(--fs-eyebrow); font-weight: 600; letter-spacing: .08em;
  text-transform: uppercase; color: var(--heather); margin: 0 0 var(--s-16);
}
.eyebrow .dot { width: 8px; height: 8px; border-radius: 50%; background: currentColor; }
.eyebrow--apricot { color: var(--apricot); }
.eyebrow--mint { color: var(--mint-deep); }
.eyebrow--teal { color: var(--teal); }
.eyebrow--muted { color: var(--muted); }

.crumb { font-size: 13px; font-weight: 600; text-transform: uppercase; letter-spacing: .04em; color: var(--muted); margin: 0 0 var(--s-24); }
.crumb a { color: var(--muted); }
.crumb a:hover { color: var(--plum); }
.crumb .sep { margin: 0 8px; }
.crumb .current { color: var(--plum); }
.crumb--on-plum, .crumb--on-plum a { color: rgba(250,246,241,.6); }
.crumb--on-plum .current { color: var(--apricot); }

.chip {
  display: inline-block; font-size: 14px; font-weight: 500;
  padding: 12px 20px; border-radius: var(--r-pill);
  border: 1px solid var(--line); background: transparent; color: var(--plum);
  cursor: pointer; font-family: var(--font-body);
  transition: background var(--t-colour), color var(--t-colour), border-color var(--t-colour);
}
.chip--town { padding: 10px 16px; }
.chip:hover, .chip.is-selected, .chip[aria-pressed="true"] {
  background: var(--plum); color: var(--cream); border-color: var(--plum);
}

.option-card {
  border: 1.5px solid var(--line); border-radius: 18px; padding: 18px 20px;
  text-align: left; background: transparent; cursor: pointer; font-family: var(--font-body);
  transition: border-color var(--t-colour), background var(--t-colour);
}
.option-card .oc-title { display: block; font-family: var(--font-display); font-size: 18px; font-weight: 600; letter-spacing: -.01em; }
.option-card .oc-sub { display: block; font-size: 13px; color: var(--ink-2); opacity: .7; margin-top: 4px; }
.option-card.is-selected, .option-card[aria-pressed="true"] { border-color: var(--plum); background: var(--peach); }

/* --------------------------------------------------------------------------
   Buttons — all pills
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font-family: var(--font-body); font-weight: 600; font-size: 14px;
  padding: 14px 22px; border-radius: var(--r-pill); border: 1.5px solid transparent;
  cursor: pointer; text-align: center; white-space: nowrap;
  transition: background var(--t-colour), color var(--t-colour), border-color var(--t-colour);
}
.btn--lg { padding: 20px 30px; font-size: 15px; }
.btn--primary { background: var(--plum); color: var(--cream); }
.btn--primary:hover { background: var(--apricot); color: var(--plum); }
.btn--primary-on-plum { background: var(--apricot); color: var(--plum); }
.btn--primary-on-plum:hover { background: var(--cream); color: var(--plum); }
.btn--primary-on-teal { background: var(--cream); color: var(--plum); }
.btn--primary-on-teal:hover { background: var(--mint-deep); color: var(--plum); }
.btn--secondary { background: transparent; color: var(--plum); border-color: var(--plum); }
.btn--secondary:hover { background: var(--sand); color: var(--plum); }
.btn--ghost-dark { background: transparent; color: var(--cream); border-color: rgba(250,246,241,.35); }
.btn--ghost-dark:hover { background: rgba(250,246,241,.1); color: var(--cream); }
.btn:disabled { opacity: .4; cursor: default; }

.link-tertiary { font-size: 15px; font-weight: 600; display: inline-flex; align-items: center; gap: 8px; }
.link-tertiary .circ { width: 32px; height: 32px; border-radius: 50%; border: 1.5px solid var(--plum); display: inline-flex; align-items: center; justify-content: center; }
.card-arrow { display: inline-flex; align-items: center; gap: 10px; font-size: 15px; font-weight: 600; }
.card-arrow .disc { width: 36px; height: 36px; border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; }
.card-arrow .disc--apricot { background: var(--apricot); color: var(--plum); }
.card-arrow .disc--plum { background: var(--plum); color: var(--cream); }

/* --------------------------------------------------------------------------
   Header (injected by main.js)
   -------------------------------------------------------------------------- */
.site-header {
  position: relative; z-index: 50;
  display: flex; justify-content: space-between; align-items: center;
  padding: 20px var(--gutter); background: var(--cream);
}
.logo-lockup { display: flex; align-items: center; gap: 12px; }
.logo-lockup .wordmark { font-family: var(--font-display); font-size: 26px; font-weight: 700; letter-spacing: -.03em; line-height: 1; }
.site-footer .logo-lockup .wordmark { color: var(--cream); }

.pill-nav {
  display: flex; gap: 4px; background: var(--sand); padding: 6px;
  border-radius: var(--r-pill); font-size: 14px; font-weight: 500; flex: none;
}
.pill-nav a, .pill-nav button {
  display: inline-flex; align-items: center; gap: 6px; white-space: nowrap;
  padding: 10px 18px; border-radius: var(--r-pill); color: var(--plum);
  background: transparent; border: 0; font: inherit; cursor: pointer;
  transition: background var(--t-colour);
}
.pill-nav a:hover, .pill-nav button:hover { color: var(--plum); }
.pill-nav .caret { font-size: 10px; opacity: .6; }
.pill-nav .is-active, .pill-nav .is-open { background: var(--cream); }

.header-right { display: flex; align-items: center; gap: 24px; flex: none; white-space: nowrap; }
.header-phone { font-size: 14px; font-weight: 600; }
.nav-toggle { display: none; }

@keyframes qs-drop { from { opacity: 0; transform: translateY(-6px); } to { opacity: 1; transform: translateY(0); } }
.mega {
  position: absolute; left: var(--gutter); right: var(--gutter); top: 84px;
  background: var(--white); border: 1px solid var(--sand-deep); border-radius: var(--r-lg);
  padding: 36px 40px; display: grid; grid-template-columns: 1.2fr 1fr 1fr; gap: 40px;
  box-shadow: var(--shadow-menu); animation: qs-drop var(--t-menu) ease-out;
}
.mega[hidden] { display: none; }
.mega-feature {
  color: var(--cream); border-radius: var(--r-md); padding: 28px;
  display: flex; flex-direction: column; justify-content: space-between; min-height: 220px;
}
.mega-feature--mortgages { background: var(--plum); }
.mega-feature--mortgages:hover { background: var(--plum-deep); color: var(--cream); }
.mega-feature--wealth { background: var(--teal); }
.mega-feature--wealth:hover { background: var(--teal-deep); color: var(--cream); }
.mega-feature .mf-eyebrow { font-size: 12px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; }
.mega-feature--mortgages .mf-eyebrow { color: var(--apricot); }
.mega-feature--wealth .mf-eyebrow { color: var(--mint-deep); }
.mega-feature .mf-title { display: block; font-family: var(--font-display); font-size: 26px; font-weight: 600; letter-spacing: -.02em; line-height: 1.05; margin-bottom: 8px; }
.mega-feature .mf-body { display: block; font-size: 14px; line-height: 1.5; color: rgba(250,246,241,.75); }
.mega-col { display: flex; flex-direction: column; gap: 4px; }
.mega-col .mega-label { margin: 0 0 10px; font-size: 12px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); }
.mega-col a { padding: 10px 12px; border-radius: var(--r-sm); font-size: 15px; font-weight: 500; color: var(--plum); }
.mega-col a:hover { background: var(--sand); }

/* Mobile menu sheet + sticky bar */
.menu-sheet { display: none; }
.mobile-cta-bar { display: none; }

/* --------------------------------------------------------------------------
   Footer (injected by main.js)
   -------------------------------------------------------------------------- */
.site-footer {
  background: var(--plum); color: rgba(250,246,241,.72);
  padding: 96px var(--gutter) 40px; border-radius: var(--r-band) var(--r-band) 0 0;
  font-size: var(--fs-small);
}
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 56px; border-bottom: 1px solid rgba(250,246,241,.14); }
.footer-desc { margin: 24px 0 0; font-size: 15px; line-height: 1.6; max-width: 300px; }
.footer-contact { margin: 20px 0 0; font-size: 15px; line-height: 1.7; color: var(--cream); }
.footer-col { display: flex; flex-direction: column; gap: 11px; font-size: 14px; }
.footer-col a { color: inherit; }
.footer-col a:hover { color: var(--cream); }
.footer-label { margin: 0 0 6px; font-weight: 600; font-size: 12px; letter-spacing: .08em; text-transform: uppercase; }
.footer-label--mortgages { color: var(--apricot); }
.footer-label--planning { color: var(--mint-deep); }
.footer-label--muted { color: rgba(250,246,241,.5); }
.footer-legal { padding: 36px 0; font-size: var(--fs-legal); line-height: 1.7; max-width: 960px; display: flex; flex-direction: column; gap: 12px; }
.footer-legal .warn { color: var(--cream); font-weight: 500; }
.footer-bottom { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; font-size: 12px; padding-top: 20px; border-top: 1px solid rgba(250,246,241,.14); }
.footer-bottom a { color: inherit; }
.footer-bottom a:hover { color: var(--cream); }
.footer-bottom .links { display: flex; gap: 24px; flex-wrap: wrap; }

/* --------------------------------------------------------------------------
   Cards & tiles
   -------------------------------------------------------------------------- */
.service-card {
  background: var(--white); border: 1px solid var(--sand-deep); border-radius: var(--r-lg);
  padding: 32px; min-height: 280px; display: flex; flex-direction: column;
  justify-content: space-between; gap: 24px; color: var(--plum);
  transition: border-color var(--t-colour);
  position: relative;
}
.service-card--sm { border-radius: 24px; padding: 28px; }
.service-card:hover { color: var(--plum); }
.service-card--mortgage:hover { border-color: var(--plum); }
.service-card--planning:hover { border-color: var(--teal); }
.icon-disc { width: 52px; height: 52px; border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; color: var(--plum); flex: none; }
.icon-disc--sm { width: 48px; height: 48px; }
.icon-disc--peach { background: var(--peach); }
.icon-disc--mint { background: var(--mint); }
.icon-disc--sand { background: var(--sand); }
.icon-disc--cream { background: var(--cream); }
.icon-disc--apricot { background: var(--apricot); }
.service-card .sc-num { position: absolute; top: 28px; right: 28px; font-size: 13px; color: var(--muted); }
.service-card .sc-title { display: block; font-family: var(--font-display); font-size: 26px; font-weight: 600; letter-spacing: -.025em; line-height: 1.05; margin-bottom: 8px; }
.service-card--sm .sc-title { font-size: 24px; }
.service-card .sc-body { display: block; font-size: 14px; line-height: 1.5; color: var(--ink-2); }

.statement-tile {
  border-radius: var(--r-xl); padding: 40px; display: flex; flex-direction: column;
  justify-content: space-between; gap: 32px;
}
.statement-tile--apricot { background: var(--apricot); color: var(--plum); }
.statement-tile--teal { background: var(--teal); color: var(--cream); }
.statement-tile .st-claim { font-family: var(--font-display); font-size: 40px; font-weight: 600; letter-spacing: -.03em; line-height: 1; margin-bottom: 12px; }
.statement-tile .st-body { font-size: 16px; line-height: 1.55; }
.statement-tile--teal .st-body { color: rgba(250,246,241,.85); }

.photo-card { border-radius: var(--r-xl); position: relative; overflow: hidden; color: var(--cream); display: block; }
.photo-card img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.photo-card .pc-overlay { position: absolute; inset: 0; background: linear-gradient(180deg, rgba(45,30,62,0) 40%, rgba(45,30,62,.9) 100%); }
.photo-card .pc-content { position: absolute; left: 0; right: 0; bottom: 0; padding: 28px; }
.photo-card:hover { color: var(--cream); }

.testimonial { background: var(--white); border: 1px solid var(--sand-deep); border-radius: 24px; padding: 32px; }
.testimonial .tq { margin: 0 0 20px; font-family: var(--font-display); font-size: 24px; font-weight: 500; line-height: 1.25; letter-spacing: -.02em; }
.testimonial .ta { margin: 0; font-size: 14px; font-weight: 600; }
.testimonial .ta span { color: var(--muted); font-weight: 400; }

.guide-card {
  background: var(--white); border: 1px solid var(--sand-deep); border-radius: var(--r-lg);
  padding: 20px 20px 28px; display: flex; flex-direction: column; gap: 16px; color: var(--plum);
}
.guide-card:hover { color: var(--plum); border-color: var(--plum); }
.guide-card .gc-thumb { height: 200px; border-radius: 18px; background-size: cover; background-position: center; }
.guide-card .gc-tag { font-size: 12px; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); }
.guide-card .gc-title { font-family: var(--font-display); font-size: 24px; font-weight: 600; letter-spacing: -.02em; line-height: 1.1; }
.guide-card .gc-summary { font-size: 14px; line-height: 1.5; color: var(--ink-2); }
.guide-card--bare { background: transparent; border: 0; padding: 0; }
.guide-card--bare:hover { border: 0; }
.guide-card--bare .gc-thumb { border-radius: var(--r-md); }

.team-card .tc-photo { height: 360px; border-radius: var(--r-lg); object-fit: cover; width: 100%; position: static; }
.team-card .tc-name { font-family: var(--font-display); font-size: 26px; font-weight: 600; letter-spacing: -.02em; margin: 18px 0 4px; }
.team-card .tc-role { font-size: 13px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--heather); margin: 0 0 10px; }
.team-card .tc-bio { font-size: 15px; line-height: 1.6; color: var(--ink-2); margin: 0; }

/* --------------------------------------------------------------------------
   Bands
   -------------------------------------------------------------------------- */
.band { border-radius: var(--r-band); padding: 96px 72px; }
.band--sand { background: var(--sand); }
.band--plum { background: var(--plum); color: var(--cream); }
.band--mint { background: var(--mint); }
.band--apricot { background: var(--apricot); color: var(--plum); }
.band--teal { background: var(--teal); color: var(--cream); }

.cta-band { border-radius: var(--r-band); padding: 96px 72px; display: grid; grid-template-columns: 1fr auto; gap: 64px; align-items: center; }
.cta-band h2 { font-size: clamp(44px, 5vw, 72px); line-height: .95; letter-spacing: -.04em; margin-bottom: 16px; }
.cta-band .cta-lead { font-size: 19px; line-height: 1.5; max-width: 540px; margin: 0; }
.cta-band .cta-actions { display: flex; flex-direction: column; gap: 12px; }
.cta-band .cta-actions .btn { width: 100%; }
.cta-band--apricot { background: var(--apricot); color: var(--plum); }
.cta-band--apricot .btn--primary:hover { background: var(--cream); color: var(--plum); }
.cta-band--teal { background: var(--teal); color: var(--cream); }
.cta-band--teal .btn--secondary { color: var(--cream); border-color: rgba(250,246,241,.45); }
.cta-band--teal .btn--secondary:hover { background: rgba(250,246,241,.1); color: var(--cream); }
.cta-spacer { height: 96px; }

.risk-strip {
  background: var(--sand); border-radius: 24px; padding: 28px 36px;
  display: flex; gap: 20px; align-items: flex-start;
}
.risk-strip .rs-dot { width: 10px; height: 10px; border-radius: 50%; background: var(--apricot); flex: none; margin-top: 7px; }
.risk-strip--teal .rs-dot { background: var(--teal); }
.risk-strip p { margin: 0; font-size: 15px; font-weight: 500; line-height: 1.5; }

.step-grid { border-radius: var(--r-band); padding: 96px 72px; background: var(--plum); color: var(--cream); }
.step-grid .sg-head { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: end; margin-bottom: 72px; }
.step-grid .sg-head p { margin: 0; font-size: 17px; line-height: 1.6; color: rgba(250,246,241,.7); }
.step-grid .sg-cols { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.step-grid .sg-col { border-top: 1.5px solid rgba(250,246,241,.25); padding-top: 28px; }
.step-grid .num-disc {
  width: 36px; height: 36px; border-radius: 50%; background: var(--apricot); color: var(--plum);
  display: inline-flex; align-items: center; justify-content: center;
  font-family: var(--font-display); font-weight: 700; font-size: 15px; margin-bottom: 18px;
}
.step-grid .sg-title { font-family: var(--font-display); font-size: 28px; font-weight: 600; letter-spacing: -.02em; line-height: 1.05; margin: 0 0 10px; }
.step-grid .sg-body { font-size: 15px; line-height: 1.55; color: rgba(250,246,241,.7); margin: 0; }

.timeline-row { display: grid; grid-template-columns: repeat(5, 1fr); gap: 12px; }
.timeline-card {
  background: var(--cream); border-radius: var(--r-md); padding: 28px 24px; min-height: 220px;
  display: flex; flex-direction: column; justify-content: space-between; gap: 16px;
}
.timeline-card--white { background: var(--white); border: 1px solid var(--sand-deep); }
.timeline-card .tl-when { font-size: 12px; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); }
.timeline-card .tl-title { font-family: var(--font-display); font-size: 22px; font-weight: 600; letter-spacing: -.02em; line-height: 1.1; }
.timeline-card .tl-body { font-size: 14px; line-height: 1.5; color: var(--ink-2); }

/* --------------------------------------------------------------------------
   FAQ accordion
   -------------------------------------------------------------------------- */
.faq-grid { display: grid; grid-template-columns: 1fr 2fr; gap: 64px; align-items: start; }
.faq-list { border-bottom: 1px solid var(--line); }
.faq-item { border-top: 1px solid var(--line); }
.faq-trigger {
  width: 100%; background: none; border: 0; cursor: pointer; font-family: var(--font-display);
  display: flex; justify-content: space-between; align-items: center; gap: 24px;
  padding: 28px 0; text-align: left; color: var(--plum);
}
.faq-trigger .fq { font-size: 26px; font-weight: 600; line-height: 1.15; letter-spacing: -.02em; }
.faq-trigger .fi {
  width: 36px; height: 36px; border-radius: 50%; border: 1.5px solid var(--plum); flex: none;
  display: inline-flex; align-items: center; justify-content: center; font-size: 20px; font-weight: 400;
  font-family: var(--font-body);
}
.faq-answer { padding: 0 80px 32px 0; font-size: 16px; line-height: 1.65; color: var(--ink-2); }
.faq-item:not(.is-open) .faq-answer { display: none; }

/* --------------------------------------------------------------------------
   Calculators
   -------------------------------------------------------------------------- */
.calc-card { background: var(--white); border: 1px solid var(--sand-deep); border-radius: var(--r-lg); padding: 40px; }
.calc-card--on-plum { border: 0; }
.calc-field { display: block; margin-bottom: 26px; }
.calc-field .cf-row { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 10px; }
.calc-field .cf-label { font-size: 14px; font-weight: 500; }
.calc-field .cf-value { font-family: var(--font-display); font-size: 20px; font-weight: 600; }
.calc-field input[type="range"] { width: 100%; accent-color: var(--plum); }
.calc-result {
  margin-top: 36px; background: var(--apricot); color: var(--plum); border-radius: var(--r-md);
  padding: 24px 28px; display: flex; justify-content: space-between; align-items: center; gap: 16px;
}
.calc-result .cr-label { font-size: 14px; font-weight: 600; }
.calc-result .cr-value { font-family: var(--font-display); font-size: 56px; font-weight: 600; letter-spacing: -.03em; line-height: 1; }
.calc-note { font-size: 12px; color: var(--ink-2); margin-top: 16px; }
.calc-results-2 { margin-top: 36px; display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.calc-block { border-radius: var(--r-md); padding: 24px 28px; }
.calc-block--sand { background: var(--sand); color: var(--plum); }
.calc-block--teal { background: var(--teal); color: var(--cream); }
.calc-block--brick { background: var(--brick); color: var(--cream); }
.calc-block .cb-label { font-size: 13px; font-weight: 600; margin-bottom: 8px; }
.calc-block .cb-value { font-family: var(--font-display); font-size: 40px; font-weight: 600; letter-spacing: -.03em; line-height: 1; }

/* --------------------------------------------------------------------------
   Forms
   -------------------------------------------------------------------------- */
.form-card { background: var(--white); border: 1px solid var(--sand-deep); border-radius: var(--r-xl); padding: 48px; display: flex; flex-direction: column; gap: 28px; }
.form-group label, .form-legend { display: block; font-size: 14px; font-weight: 600; margin-bottom: 8px; }
.form-group input, .form-group select, .form-group textarea {
  width: 100%; font-family: var(--font-body); font-size: 15px; font-weight: 400; color: var(--plum);
  padding: 16px; border: 1px solid var(--line); border-radius: 14px; background: var(--cream);
  transition: border-color var(--t-colour), background var(--t-colour);
}
.form-group input:focus, .form-group textarea:focus { outline: none; border: 1.5px solid var(--plum); background: var(--white); box-shadow: var(--focus-ring); }
.form-group.has-error input { border-color: var(--brick); }
.form-error { color: var(--brick); font-size: 13px; margin-top: 6px; }
.form-row-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.chip-row { display: flex; flex-wrap: wrap; gap: 8px; }
.option-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
.form-submit { width: 100%; padding: 20px; font-size: 16px; }
.form-privacy { font-size: 12px; color: var(--muted); line-height: 1.6; margin: 0; }
.form-success h2 { font-size: 32px; }
.hp-field { position: absolute; left: -9999px; opacity: 0; height: 0; overflow: hidden; }

/* --------------------------------------------------------------------------
   Page furniture
   -------------------------------------------------------------------------- */
.trust-tiles { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-top: 20px; }
.trust-tile { display: flex; gap: 14px; align-items: center; padding: 20px 24px; background: var(--sand); border-radius: var(--r-md); font-size: 14px; font-weight: 500; line-height: 1.4; }
.trust-tile .icon-disc { width: 40px; height: 40px; }

.hero-tiles { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.hero-tile { position: relative; display: grid; grid-template-rows: auto 1fr; border-radius: var(--r-xl); overflow: hidden; min-height: 600px; }
.hero-tile--plum { background: var(--plum); color: var(--cream); }
.hero-tile--plum:hover { background: var(--plum-deep); color: var(--cream); }
.hero-tile--mint { background: var(--mint); color: var(--plum); }
.hero-tile--mint:hover { background: #D2E4E0; color: var(--plum); }
.hero-tile .ht-content { padding: 40px 40px 28px; display: flex; flex-direction: column; gap: 18px; align-items: flex-start; }
.hero-tile .ht-title { font-family: var(--font-display); font-size: 48px; font-weight: 600; line-height: .98; letter-spacing: -.035em; }
.hero-tile .ht-body { font-size: 17px; line-height: 1.5; max-width: 460px; }
.hero-tile--plum .ht-body { color: rgba(250,246,241,.75); }
.hero-tile--mint .ht-body { color: var(--ink-2); }
.hero-tile .ht-photo { position: relative; margin: 0 20px 20px; border-radius: 22px; overflow: hidden; min-height: 260px; }
.hero-tile .ht-photo img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }

.panel-hero { background: var(--plum); color: var(--cream); border-radius: var(--r-band); padding: 72px; display: grid; grid-template-columns: 1.1fr 1fr; gap: 56px; align-items: center; }
.panel-hero .ph-photo { border-radius: var(--r-lg); overflow: hidden; height: 460px; position: relative; }
.panel-hero .ph-photo img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.panel-hero h1 { font-size: clamp(48px, 5.3vw, 76px); line-height: .96; letter-spacing: -.04em; }
.panel-hero .lead { color: rgba(250,246,241,.75); }

.photo-hero { position: relative; border-radius: var(--r-band); overflow: hidden; min-height: 680px; display: flex; align-items: flex-end; color: var(--cream); }
.photo-hero img.bg { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.photo-hero .ph-grad { position: absolute; inset: 0; background: linear-gradient(180deg, rgba(45,30,62,0) 30%, rgba(45,30,62,.85) 100%); }
.photo-hero .ph-content { position: relative; width: 100%; padding: 56px; display: grid; grid-template-columns: 1.2fr 1fr; gap: 48px; align-items: end; }

.ring { position: absolute; width: 220px; height: 220px; border-radius: 50%; pointer-events: none; }
.ring--apricot { border: 40px solid rgba(255,177,98,.12); right: -40px; bottom: -40px; }
.ring--mint { border: 40px solid rgba(191,227,222,.14); left: -40px; bottom: -40px; }

@keyframes qs-float { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-8px); } }
.float-badge {
  position: absolute; left: 28px; bottom: 28px; background: var(--cream); border-radius: var(--r-md);
  padding: 22px 26px; display: flex; align-items: center; gap: 18px;
  box-shadow: var(--shadow-badge); animation: qs-float 6s ease-in-out infinite; color: var(--plum);
}
.float-badge:hover { color: var(--plum); }

.life-line { position: relative; display: grid; grid-template-columns: repeat(7, 1fr); gap: 12px; }
.life-line .ll-rule { position: absolute; left: 5%; right: 5%; top: 22px; height: 2px; background: linear-gradient(90deg, var(--apricot) 0%, var(--apricot) 55%, var(--teal) 100%); opacity: .5; }
.life-line .ll-item { position: relative; display: flex; flex-direction: column; gap: 14px; color: var(--plum); }
.life-line .ll-dot { width: 46px; height: 46px; border-radius: 50%; border: 6px solid var(--cream); position: relative; z-index: 1; }
.life-line .ll-dot--apricot { background: var(--apricot); }
.life-line .ll-dot--teal { background: var(--teal); }
.life-line .ll-stage { font-size: 12px; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); }
.life-line .ll-title { font-family: var(--font-display); font-size: 22px; font-weight: 600; letter-spacing: -.02em; line-height: 1.05; }
.life-line .ll-body { font-size: 14px; line-height: 1.5; color: var(--ink-2); }

.stat-tiles { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.stat-tile { background: var(--peach); border-radius: 24px; padding: 32px; }
.stat-tile--white { background: var(--white); border: 1px solid var(--sand-deep); }
.stat-tile .st-num { font-family: var(--font-display); font-size: 44px; font-weight: 600; letter-spacing: -.03em; line-height: 1; margin-bottom: 10px; }
.stat-tile--white .st-num { color: var(--teal); font-size: 36px; }
.stat-tile .st-text { font-size: 15px; line-height: 1.5; color: var(--ink-2); margin: 0; }

.sticky-side { position: sticky; top: 24px; }
.inpage-nav { display: flex; flex-direction: column; gap: 4px; margin-top: 20px; }
.inpage-nav a { padding: 10px 14px; border-radius: var(--r-sm); font-size: 15px; font-weight: 500; }
.inpage-nav a.is-current, .inpage-nav a:hover { background: var(--sand); color: var(--plum); }

.tick-list { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 14px 32px; }
.tick-list li { display: flex; gap: 12px; align-items: flex-start; font-size: 15px; line-height: 1.5; color: var(--ink-2); }
.tick-list .tick { width: 22px; height: 22px; border-radius: 50%; background: var(--apricot); color: var(--plum); flex: none; display: inline-flex; align-items: center; justify-content: center; font-size: 12px; font-weight: 700; margin-top: 2px; }

.topic-list { display: flex; flex-direction: column; }
.topic-item { display: flex; gap: 24px; padding: 28px 0; border-top: 1px solid var(--line); align-items: flex-start; }
.topic-item:last-child { border-bottom: 1px solid var(--line); }
.topic-item .icon-disc { width: 44px; height: 44px; }
.topic-item .ti-title { font-family: var(--font-display); font-size: 26px; font-weight: 600; letter-spacing: -.02em; margin: 0 0 8px; }
.topic-item .ti-body { font-size: 16px; line-height: 1.6; color: var(--ink-2); margin: 0; }

.article { max-width: 760px; }
.article .standfirst { font-family: var(--font-display); font-size: 32px; font-weight: 500; line-height: 1.25; letter-spacing: -.02em; margin: 0 0 32px; }
.article h2 { font-size: 40px; margin: 56px 0 20px; }
.article p, .article li { font-size: 17px; line-height: 1.7; color: var(--ink-2); }
.pull-block { background: var(--mint); border-radius: 24px; padding: 40px; margin: 40px 0; }
.pull-block p { font-family: var(--font-display); font-size: 28px; font-weight: 500; line-height: 1.3; letter-spacing: -.02em; color: var(--plum); margin: 0; }

.marquee { overflow: hidden; }
.marquee .mq-track { display: flex; gap: 20px; width: max-content; animation: qs-marquee 60s linear infinite; }
.marquee img { border-radius: var(--r-lg); object-fit: cover; }
@keyframes qs-marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }

.tools-panel { background: var(--plum); color: var(--cream); border-radius: var(--r-xl); padding: 40px; display: flex; flex-direction: column; }
.tools-panel a { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 18px 0; border-top: 1px solid rgba(250,246,241,.15); color: var(--cream); font-family: var(--font-display); font-size: 20px; font-weight: 600; letter-spacing: -.01em; }
.tools-panel a:first-of-type { border-top: 0; }
.tools-panel a:hover { color: var(--apricot); }

/* Reveal */
[data-reveal] { opacity: 0; transform: translateY(16px); transition: opacity var(--t-reveal) ease, transform var(--t-reveal) ease; }
[data-reveal].is-visible { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  [data-reveal] { opacity: 1; transform: none; transition: none; }
  .float-badge { animation: none; }
  .marquee .mq-track { animation: none; }
}

/* --------------------------------------------------------------------------
   Responsive
   -------------------------------------------------------------------------- */
@media (max-width: 1199px) {
  :root { --gutter: 32px; }
  .footer-grid { grid-template-columns: 1.6fr 1fr 1fr; }
  .trust-tiles { grid-template-columns: repeat(2, 1fr); }
  .life-line { grid-template-columns: repeat(4, 1fr); row-gap: 40px; }
  .life-line .ll-rule { display: none; }
  .step-grid .sg-cols { grid-template-columns: repeat(2, 1fr); }
  .timeline-row { grid-template-columns: repeat(3, 1fr); }
  .grid-3, .cards-3 { grid-template-columns: repeat(2, 1fr) !important; }

  /* Header collapses to Menu button */
  .pill-nav { display: none; }
  .nav-toggle { display: inline-flex; }
  .mega { display: none !important; }
  .menu-sheet.is-open { display: flex; }
}

@media (max-width: 767px) {
  :root { --gutter: 20px; --section: 80px; }
  body { padding-bottom: 76px; } /* room for sticky bar */
  .band, .cta-band, .step-grid, .panel-hero, .photo-hero { border-radius: 28px; padding: 48px 28px; }
  .cta-band { grid-template-columns: 1fr; gap: 32px; }
  .cta-band .btn { width: 100%; padding: 18px; min-height: 56px; }
  .hero-tiles, .trust-tiles, .life-line, .grid-2, .grid-3, .cards-2, .cards-3,
  .faq-grid, .form-row-2, .option-row, .stat-tiles, .timeline-row, .tick-list,
  .footer-grid, .step-grid .sg-cols, .step-grid .sg-head, .calc-results-2 { grid-template-columns: 1fr !important; }
  .hero-tile { min-height: auto; }
  .hero-tile .ht-photo { min-height: 240px; }
  .panel-hero, .photo-hero .ph-content { grid-template-columns: 1fr; }
  .sticky-side { position: static; }
  .site-header { padding: 16px var(--gutter); }
  .header-phone { display: none; }
  .header-cta { display: none; }
  .header-right { gap: 12px; }
  .faq-answer { padding-right: 0; }

  .mobile-cta-bar {
    display: flex; gap: 12px; position: fixed; left: 0; right: 0; bottom: 0; z-index: 60;
    background: var(--cream); border-top: 1px solid var(--line); padding: 12px var(--gutter);
  }
  .mobile-cta-bar .btn { flex: 1; min-height: 48px; }
}

/* Mobile menu sheet */
.menu-sheet {
  position: fixed; inset: 0; z-index: 100; background: var(--cream);
  flex-direction: column; padding: 20px; overflow-y: auto;
}
.menu-sheet .ms-top { display: flex; justify-content: space-between; align-items: center; margin-bottom: 24px; }
.menu-sheet .ms-close { background: var(--sand); border: 0; border-radius: 50%; width: 44px; height: 44px; font-size: 20px; cursor: pointer; color: var(--plum); }
.menu-sheet nav { display: flex; flex-direction: column; gap: 4px; flex: 1; }
.menu-sheet nav > a, .menu-sheet .ms-group > button {
  display: flex; justify-content: space-between; align-items: center; width: 100%;
  font-family: var(--font-display); font-size: 24px; font-weight: 600; color: var(--plum);
  background: none; border: 0; padding: 14px 8px; cursor: pointer; text-align: left;
}
.menu-sheet .ms-sub { display: none; flex-direction: column; padding: 0 8px 12px; }
.menu-sheet .ms-group.is-open .ms-sub { display: flex; }
.menu-sheet .ms-sub a { padding: 10px 12px; font-size: 16px; font-weight: 500; border-radius: var(--r-sm); }
.menu-sheet .ms-sub a:hover { background: var(--sand); }
.menu-sheet .ms-bottom { display: flex; flex-direction: column; gap: 10px; padding-top: 20px; border-top: 1px solid var(--line); }

/* Utility grids */
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.grid-2x2 { display: grid; grid-template-columns: 1fr 1fr; grid-template-rows: 1fr 1fr; gap: 20px; }

@media print {
  .site-header, .site-footer, .cta-band, .mobile-cta-bar, .menu-sheet { display: none; }
}