/* ==========================================================================
   hardiefinancegroup.com.au shared stylesheet
   Mobile-first. Professional, advisory tone for the parent brand.
   ========================================================================== */

/* ---- Self-hosted webfonts (Latin) ---------------------------------------- */
@font-face {
  font-family: 'Instrument Sans';
  font-style: normal; font-weight: 400; font-display: swap;
  src: url('/assets/fonts/instrument-sans-400.woff2') format('woff2');
}
@font-face {
  font-family: 'Instrument Sans';
  font-style: normal; font-weight: 500; font-display: swap;
  src: url('/assets/fonts/instrument-sans-500.woff2') format('woff2');
}
@font-face {
  font-family: 'Instrument Sans';
  font-style: normal; font-weight: 600; font-display: swap;
  src: url('/assets/fonts/instrument-sans-600.woff2') format('woff2');
}
@font-face {
  font-family: 'Instrument Sans';
  font-style: normal; font-weight: 700; font-display: swap;
  src: url('/assets/fonts/instrument-sans-700.woff2') format('woff2');
}
@font-face {
  font-family: 'Playfair Display';
  font-style: normal; font-weight: 500; font-display: swap;
  src: url('/assets/fonts/playfair-display-500.woff2') format('woff2');
}
@font-face {
  font-family: 'Playfair Display';
  font-style: normal; font-weight: 600; font-display: swap;
  src: url('/assets/fonts/playfair-display-600.woff2') format('woff2');
}
@font-face {
  font-family: 'Playfair Display';
  font-style: normal; font-weight: 700; font-display: swap;
  src: url('/assets/fonts/playfair-display-700.woff2') format('woff2');
}

:root {
  /* Brand */
  --brand-primary: #0A2342;     /* deep navy, primary CTA, links, banker authority */
  --brand-deep:    #1A4375;     /* mid-blue hover state, banner gradients */
  --brand-accent:  #4D90CD;     /* light blue accent for highlights */
  --brand-forest:  #2E7D32;     /* forest green, secondary accent (paddock side) */
  --teal:          #22B79C;     /* jade, service tiles and feature blocks */
  --teal-deep:     #14857A;     /* darker teal for hover and borders */
  --gold:          #B08E51;     /* bronze/gold, trust signal accent */
  --cream:         #F9F6F0;     /* warm off-white background option */

  /* Neutrals */
  --charcoal:   #1C1C1E;
  --ink:        #2A2A2D;
  --slate:      #4B5563;
  --mute:       #6B7280;
  --line:       #E5E7EB;
  --soft:       #F4F4F5;
  --bg:         #FAFAFA;
  --white:      #FFFFFF;

  /* Type */
  --font-display: 'Playfair Display', Georgia, 'Times New Roman', serif;
  --font-sans:    'Instrument Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;

  /* Layout */
  --maxw:    1180px;
  --pad:     1.25rem;
  --radius:  10px;
  --shadow:  0 1px 2px rgba(0,0,0,.04), 0 6px 24px rgba(20,30,40,.06);

  /* Motion */
  --ease: cubic-bezier(.2,.7,.2,1);
}

/* Reset --------------------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img, svg, video { max-width: 100%; height: auto; display: block; }
a { color: var(--brand-primary); text-decoration: none; }
a:hover { color: var(--brand-deep); text-decoration: underline; }

/* Typography ---------------------------------------------------------------- */
h1, h2, h3 {
  font-family: var(--font-display);
  color: var(--charcoal);
  font-weight: 600;
  line-height: 1.18;
  letter-spacing: -0.01em;
  margin: 0 0 .5em;
}
h1 { font-size: clamp(2rem, 5.5vw, 3.4rem); }
h2 { font-size: clamp(1.6rem, 3.6vw, 2.2rem); }
h3 { font-size: 1.2rem; font-family: var(--font-sans); font-weight: 600; letter-spacing: 0; }
h4 { font-family: var(--font-sans); font-weight: 600; font-size: 1.05rem; margin: 1.2em 0 .4em; }
p  { margin: 0 0 1em; }
.eyebrow {
  font-family: var(--font-sans);
  text-transform: uppercase;
  letter-spacing: .14em;
  font-size: .78rem;
  font-weight: 600;
  color: var(--brand-primary);
  margin: 0 0 .8rem;
}

/* Layout helpers ------------------------------------------------------------ */
.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 var(--pad); }
.section   { padding: 4rem 0; }
.section-tight { padding: 2.5rem 0; }
.section-alt   { background: var(--white); }
.section-dark  { background: var(--brand-primary); color: #E7E7E9; }
.section-dark h1, .section-dark h2, .section-dark h3 { color: var(--white); }
.center { text-align: center; }
.lead   { font-size: 1.1rem; color: var(--slate); max-width: 60ch; }
.lead.center { margin-left: auto; margin-right: auto; }

/* Buttons ------------------------------------------------------------------- */
.btn {
  display: inline-block;
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: 1rem;
  padding: .85rem 1.5rem;
  border-radius: var(--radius);
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform .12s var(--ease), background .15s var(--ease), border-color .15s var(--ease);
  text-decoration: none;
  line-height: 1.2;
}
.btn:hover { text-decoration: none; }
.btn:active { transform: scale(.97); }
.btn-primary {
  background: var(--brand-primary);
  color: var(--white);
}
.btn-primary:hover { background: var(--brand-deep); color: var(--white); }
.btn-outline {
  background: transparent;
  border-color: var(--charcoal);
  color: var(--charcoal);
}
.btn-outline:hover { background: var(--charcoal); color: var(--white); }
.btn-light {
  background: var(--white);
  color: var(--charcoal);
}
.btn-light:hover { background: var(--soft); color: var(--charcoal); }
.btn-row { display: flex; flex-wrap: wrap; gap: .8rem; }

/* Header -------------------------------------------------------------------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.92);
  backdrop-filter: saturate(140%) blur(10px);
  -webkit-backdrop-filter: saturate(140%) blur(10px);
  border-bottom: 1px solid var(--line);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  height: 88px;
}
.logo a { display: flex; align-items: center; gap: .6rem; color: var(--charcoal); font-weight: 700; font-size: 1.05rem; }
.logo img { height: 64px; width: auto; }
@media (min-width: 720px) { .logo img { height: 72px; } }
.logo span { font-family: var(--font-display); font-weight: 600; letter-spacing: .01em; }

.nav-primary { display: none; }
.nav-primary ul { list-style: none; padding: 0; margin: 0; display: flex; gap: 1.6rem; }
.nav-primary a {
  color: var(--ink); font-weight: 500; font-size: .98rem; padding: .4rem 0;
  position: relative;
}
.nav-primary a:hover { color: var(--brand-primary); text-decoration: none; }
.nav-primary a[aria-current="page"]::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -2px;
  height: 2px; background: var(--brand-primary); border-radius: 2px;
}

.header-cta { display: none; }
.header-cta .btn { padding: .55rem 1rem; font-size: .92rem; }

.hamburger {
  display: inline-flex; align-items: center; justify-content: center;
  width: 44px; height: 44px;
  background: transparent; border: 0; cursor: pointer; color: var(--charcoal);
}
.hamburger svg { width: 26px; height: 26px; }

/* Mobile drawer */
.drawer {
  position: fixed; inset: 88px 0 0 0;
  background: var(--white);
  transform: translateX(100%);
  transition: transform .25s var(--ease);
  z-index: 49;
  padding: 1.5rem var(--pad) 2rem;
  overflow-y: auto;
  border-top: 1px solid var(--line);
}
.drawer.is-open { transform: translateX(0); }
.drawer ul { list-style: none; padding: 0; margin: 0 0 1.5rem; }
.drawer li { border-bottom: 1px solid var(--line); }
.drawer a {
  display: block; padding: 1rem .25rem;
  color: var(--charcoal); font-weight: 500; font-size: 1.1rem;
}
.drawer a[aria-current="page"] { color: var(--brand-primary); }
.drawer .btn { width: 100%; text-align: center; margin-top: .5rem; }
body.drawer-open { overflow: hidden; }

@media (min-width: 880px) {
  .nav-primary { display: block; }
  .header-cta  { display: inline-flex; }
  .hamburger   { display: none; }
}

/* Hero ---------------------------------------------------------------------- */
.hero {
  position: relative;
  background: var(--brand-primary);
  color: var(--white);
  padding: 4rem 0 3rem;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse at top right, rgba(34,183,156,.10) 0%, transparent 55%),
    radial-gradient(ellipse at bottom left, rgba(176,142,81,.08) 0%, transparent 55%);
  pointer-events: none;
}
.hero .container { position: relative; z-index: 1; }
.hero-grid {
  display: grid;
  gap: 2.4rem;
  grid-template-columns: 1fr;
  align-items: center;
}
@media (min-width: 880px) {
  .hero-grid { grid-template-columns: minmax(0,1.15fr) minmax(0,1fr); gap: 3.2rem; }
}
.hero-text { max-width: 640px; }
.hero-portrait {
  position: relative;
  border-radius: var(--radius);
  overflow: hidden;
  background: rgba(255,255,255,.05);
  box-shadow: 0 24px 60px rgba(0,0,0,.35);
  aspect-ratio: 4 / 5;
  max-width: 440px;
  margin: 0 auto;
}
.hero-portrait img {
  width: 100%; height: 100%; object-fit: cover; object-position: center;
}
.hero-portrait::after {
  content: "";
  position: absolute;
  inset: auto -16px -16px auto;
  width: 60%; height: 60%;
  border: 2px solid var(--gold);
  border-radius: var(--radius);
  z-index: -1;
}
/* Legacy panel variant kept for any other pages using hero-content */
.hero-content {
  background: rgba(12, 20, 16, 0.82);
  -webkit-backdrop-filter: blur(10px) saturate(115%);
  backdrop-filter: blur(10px) saturate(115%);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius);
  padding: 2.2rem 2.4rem;
  max-width: 720px;
  box-shadow: 0 18px 48px rgba(0,0,0,0.28);
}
.hero h1 { color: var(--white); max-width: 16ch; margin-bottom: .6em; }
.hero p  { color: rgba(255,255,255,.94); font-size: 1.12rem; max-width: 56ch; }
.hero .eyebrow { color: #D4B26B; }
.hero-trust {
  display: flex; flex-wrap: wrap; gap: 1rem 1.8rem;
  margin-top: 1.4rem;
  padding-top: 1.4rem;
  border-top: 1px solid rgba(255,255,255,.14);
  font-size: .92rem; color: rgba(255,255,255,.92);
}
.hero-trust span { display: inline-flex; align-items: center; gap: .45rem; }
.hero-trust svg { width: 18px; height: 18px; color: var(--brand-accent); }

/* Page hero (smaller) */
.page-hero {
  background: var(--brand-primary);
  color: var(--white);
  padding: 4.5rem 0 3rem;
  border-bottom: 4px solid var(--gold);
}
.page-hero h1 { color: var(--white); }
.page-hero .eyebrow { color: #D4B26B; }
.page-hero p { color: rgba(255,255,255,.85); font-size: 1.1rem; max-width: 60ch; }

/* Cards & grids ------------------------------------------------------------- */
.grid { display: grid; gap: 1.25rem; }
.grid-2 { grid-template-columns: 1fr; }
.grid-3 { grid-template-columns: 1fr; }
.grid-4 { grid-template-columns: 1fr 1fr; }
@media (min-width: 720px) {
  .grid-2 { grid-template-columns: 1fr 1fr; }
  .grid-3 { grid-template-columns: repeat(3, 1fr); }
  .grid-4 { grid-template-columns: repeat(4, 1fr); }
}

.card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.4rem;
  box-shadow: var(--shadow);
  transition: transform .15s var(--ease), box-shadow .15s var(--ease), border-color .15s var(--ease);
}
.card:hover { transform: translateY(-2px); box-shadow: 0 6px 30px rgba(20,30,40,.08); border-color: #D9DDE2; }
.card h3 { margin-top: .2rem; }
.card .icon-wrap {
  width: 44px; height: 44px;
  border-radius: 10px;
  background: rgba(10,35,66,.08);
  color: var(--brand-primary);
  display: inline-flex; align-items: center; justify-content: center;
  margin-bottom: .8rem;
}
.card .icon-wrap svg { width: 22px; height: 22px; }
.card a.more {
  font-weight: 600; font-size: .95rem;
  display: inline-flex; align-items: center; gap: .35rem;
  margin-top: .4rem;
}

/* Service detail blocks */
.service-block {
  background: var(--white);
  border: 1px solid var(--line);
  border-left: 4px solid var(--brand-primary);
  border-radius: var(--radius);
  padding: 1.6rem 1.4rem;
  margin-bottom: 1.1rem;
}
.service-block h3 { font-family: var(--font-display); font-weight: 600; font-size: 1.35rem; margin-bottom: .4rem; }
.service-block p:last-child { margin-bottom: 0; }

/* Portraits ----------------------------------------------------------------- */
.portrait {
  width: 100%;
  max-width: 460px;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  background: var(--soft);
}
.portrait-frame {
  position: relative;
  display: inline-block;
  max-width: 460px;
}
.portrait-frame::before {
  content: "";
  position: absolute;
  inset: 14px -14px -14px 14px;
  border: 2px solid var(--brand-primary);
  border-radius: var(--radius);
  z-index: 0;
}
.portrait-frame .portrait { position: relative; z-index: 1; }

.byline {
  display: inline-flex;
  align-items: center;
  gap: .8rem;
  padding: .55rem .85rem .55rem .55rem;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 999px;
  margin: 0 0 1.2rem;
  box-shadow: 0 1px 2px rgba(0,0,0,.04);
}
.byline img {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  object-fit: cover;
  flex: 0 0 46px;
}
.byline .who { line-height: 1.25; }
.byline strong { display: block; color: var(--charcoal); font-size: .92rem; }
.byline span  { color: var(--mute); font-size: .82rem; }

/* Trust strip */
.trust-strip {
  background: var(--white);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.trust-strip .row {
  display: grid; gap: 1.4rem;
  grid-template-columns: 1fr;
  padding: 1.6rem 0;
  text-align: center;
}
@media (min-width: 720px) {
  .trust-strip .row     { grid-template-columns: repeat(4, 1fr); }
  .trust-strip .row-3   { grid-template-columns: repeat(3, 1fr); }
}
.trust-strip strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1.7rem;
  color: var(--brand-primary);
  line-height: 1;
}
.trust-strip span { display: block; font-size: .9rem; color: var(--slate); margin-top: .35rem; }

/* CTA banner ---------------------------------------------------------------- */
.cta-banner {
  background: linear-gradient(135deg, var(--brand-deep) 0%, var(--brand-primary) 100%);
  color: var(--white);
  border-radius: var(--radius);
  padding: 2.4rem 1.6rem;
  text-align: center;
}
.cta-banner h2 { color: var(--white); }
.cta-banner p { color: rgba(255,255,255,.9); max-width: 52ch; margin-left: auto; margin-right: auto; }
.cta-banner .btn-row { justify-content: center; margin-top: 1.2rem; }

/* Loyalty Tax callout ------------------------------------------------------- */
.callout {
  background: var(--cream);
  border-left: 4px solid var(--gold);
  border-radius: var(--radius);
  padding: 2rem 1.6rem;
  text-align: center;
}
.callout h2 { color: var(--brand-primary); margin-bottom: .6rem; }
.callout p { font-size: 1.08rem; color: var(--slate); max-width: 56ch; margin: 0 auto; }

/* Stats row (Why use a broker) --------------------------------------------- */
.stats-row {
  display: grid; gap: 1.4rem;
  grid-template-columns: 1fr;
  text-align: center;
}
.stats-row .stat strong {
  display: block;
  font-family: var(--font-display);
  font-size: clamp(2.2rem, 6vw, 3rem);
  line-height: 1;
  color: var(--brand-primary);
  letter-spacing: -0.02em;
}
.stats-row .stat span {
  display: block;
  font-size: .95rem;
  color: var(--slate);
  margin-top: .6rem;
  max-width: 30ch;
  margin-left: auto;
  margin-right: auto;
}
.stats-row .stat .source {
  display: block;
  font-size: .78rem;
  color: var(--mute);
  margin-top: .3rem;
  font-style: italic;
}
@media (min-width: 720px) { .stats-row { grid-template-columns: repeat(4, 1fr); } }

/* Team grid ---------------------------------------------------------------- */
.team-grid {
  display: grid; gap: 1.4rem;
  grid-template-columns: 1fr;
}
@media (min-width: 720px) { .team-grid { grid-template-columns: repeat(2, 1fr); max-width: 720px; margin: 0 auto; } }
.team-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.6rem;
  text-align: center;
  box-shadow: var(--shadow);
}
.team-card img {
  width: 160px; height: 160px;
  object-fit: cover;
  border-radius: 50%;
  margin: 0 auto 1rem;
  border: 4px solid var(--white);
  box-shadow: 0 4px 16px rgba(0,0,0,.08);
}
.team-card h3 { margin: 0 0 .2rem; color: var(--brand-primary); }
.team-card p { color: var(--slate); margin: 0; font-size: .95rem; }

/* Lender wall -------------------------------------------------------------- */
.lender-wall {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
  align-items: center;
}
@media (min-width: 560px) { .lender-wall { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 720px) { .lender-wall { grid-template-columns: repeat(4, 1fr); } }
@media (min-width: 980px) { .lender-wall { grid-template-columns: repeat(6, 1fr); } }
.lender-wall .lender {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1rem;
  display: flex; align-items: center; justify-content: center;
  aspect-ratio: 3 / 2;
  transition: border-color .15s var(--ease), box-shadow .15s var(--ease);
}
.lender-wall .lender:hover { border-color: var(--brand-accent); box-shadow: 0 4px 16px rgba(10,35,66,.06); }
.lender-wall .lender img {
  max-width: 100%; max-height: 100%;
  width: auto; height: auto;
  object-fit: contain;
  filter: grayscale(20%);
  opacity: .9;
  transition: filter .15s var(--ease), opacity .15s var(--ease);
}
.lender-wall .lender:hover img { filter: grayscale(0%); opacity: 1; }

/* Compliance badge strip --------------------------------------------------- */
.compliance-strip {
  display: flex; flex-wrap: wrap; gap: 1rem 1.4rem;
  align-items: stretch; justify-content: center;
  margin-top: 1rem;
}
.compliance-strip .badge {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1rem 1.6rem;
  display: flex; align-items: center; justify-content: center;
  min-height: 90px;
  min-width: 160px;
  box-shadow: 0 2px 8px rgba(20,30,40,.05);
}
.compliance-strip .badge.dark {
  background: var(--brand-primary);
  border-color: var(--brand-deep);
}
.compliance-strip .badge img {
  max-height: 58px; max-width: 100%;
  width: auto; height: auto;
  object-fit: contain;
}

/* Service tile (teal feature cards) ---------------------------------------- */
.service-tile {
  background: var(--teal);
  color: var(--brand-primary);
  border-radius: var(--radius);
  padding: 2rem 1.4rem;
  text-align: center;
  box-shadow: 0 6px 20px rgba(20,30,40,.10);
  transition: transform .18s var(--ease), background .18s var(--ease), box-shadow .18s var(--ease);
}
.service-tile:hover { transform: translateY(-3px); background: var(--teal-deep); color: var(--white); box-shadow: 0 12px 30px rgba(20,30,40,.16); }
.service-tile .icon {
  width: 56px; height: 56px;
  margin: 0 auto 1rem;
  display: flex; align-items: center; justify-content: center;
  background: rgba(10,35,66,.10);
  border-radius: 50%;
  color: var(--brand-primary);
  transition: background .18s var(--ease), color .18s var(--ease);
}
.service-tile:hover .icon { background: rgba(255,255,255,.18); color: var(--white); }
.service-tile .icon svg { width: 30px; height: 30px; stroke-width: 2; }
.service-tile h3 { color: inherit; margin: 0 0 .35rem; font-size: 1.15rem; }
.service-tile p { color: inherit; opacity: .9; font-size: .95rem; margin: 0; }
.service-tile .gold-underline {
  display: block; width: 36px; height: 3px;
  background: var(--gold); margin: .8rem auto 0;
  border-radius: 2px;
}

/* Flip card (used on "In Depth" topic sections) ---------------------------- */
.flip-card {
  perspective: 1200px;
  height: 220px;
}
.flip-card-inner {
  position: relative;
  width: 100%; height: 100%;
  transform-style: preserve-3d;
  transition: transform .55s cubic-bezier(.6,.05,.28,.91);
}
.flip-card:hover .flip-card-inner,
.flip-card.is-flipped .flip-card-inner { transform: rotateY(180deg); }
.flip-card-front,
.flip-card-back {
  position: absolute; inset: 0;
  border-radius: var(--radius);
  padding: 1.4rem 1.2rem;
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  text-align: center;
  backface-visibility: hidden;
  -webkit-backface-visibility: hidden;
  box-shadow: 0 6px 20px rgba(20,30,40,.10);
}
.flip-card-front {
  background: linear-gradient(140deg, var(--brand-deep) 0%, var(--brand-primary) 100%);
  color: var(--white);
}
.flip-card-front .icon {
  width: 52px; height: 52px;
  margin-bottom: .8rem;
  display: flex; align-items: center; justify-content: center;
  color: var(--teal);
}
.flip-card-front .icon svg { width: 36px; height: 36px; stroke-width: 2; }
.flip-card-front h3 { color: var(--white); font-family: var(--font-sans); font-size: 1.05rem; font-weight: 600; margin: 0; }
.flip-card-front .hint { font-size: .78rem; color: rgba(255,255,255,.6); margin-top: .8rem; }
.flip-card-back {
  background: var(--cream);
  color: var(--brand-primary);
  transform: rotateY(180deg);
}
.flip-card-back p { color: var(--ink); font-size: .92rem; margin: 0 0 .6rem; }
.flip-card-back .more {
  color: var(--brand-primary);
  font-weight: 600;
  font-size: .9rem;
  margin-top: auto;
}

/* Lender marquee (replaces lender-wall on home) ---------------------------- */
.lender-marquee {
  overflow: hidden;
  position: relative;
  padding: 1.4rem 0;
  -webkit-mask-image: linear-gradient(to right, transparent, black 6%, black 94%, transparent);
          mask-image: linear-gradient(to right, transparent, black 6%, black 94%, transparent);
}
.lender-marquee-track {
  display: flex;
  gap: 2.5rem;
  align-items: center;
  width: max-content;
  animation: marquee 60s linear infinite;
}
.lender-marquee:hover .lender-marquee-track,
.lender-marquee.is-paused .lender-marquee-track { animation-play-state: paused; }
.lender-marquee .lender {
  flex: 0 0 auto;
  width: 140px; height: 80px;
  display: flex; align-items: center; justify-content: center;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: .6rem .9rem;
}
.lender-marquee .lender img {
  max-width: 100%; max-height: 100%;
  width: auto; height: auto;
  object-fit: contain;
  filter: grayscale(20%);
  opacity: .9;
}
.lender-marquee .lender:hover img { filter: grayscale(0%); opacity: 1; }
@keyframes marquee {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}
@media (prefers-reduced-motion: reduce) {
  .lender-marquee-track { animation: none; }
  .lender-marquee { overflow-x: auto; }
}

/* Theme image strip (varies the visual pace between sections) -------------- */
.theme-strip {
  display: grid;
  grid-template-columns: 1fr;
  gap: .3rem;
  padding: 0;
}
@media (min-width: 720px) { .theme-strip { grid-template-columns: repeat(4, 1fr); } }
.theme-strip .tile {
  position: relative;
  aspect-ratio: 3 / 2;
  overflow: hidden;
}
.theme-strip .tile img {
  width: 100%; height: 100%; object-fit: cover;
  transition: transform .35s var(--ease);
}
.theme-strip .tile:hover img { transform: scale(1.06); }
.theme-strip .tile .label {
  position: absolute; left: .9rem; bottom: .8rem;
  color: var(--white);
  text-shadow: 0 2px 8px rgba(0,0,0,.5);
  font-weight: 600;
  font-size: .9rem;
  letter-spacing: .04em;
  text-transform: uppercase;
}

/* Four-pillar coloured cards (About page) ---------------------------------- */
.pillar-card {
  border-radius: var(--radius);
  padding: 1.6rem 1.4rem;
  color: var(--white);
  box-shadow: 0 6px 20px rgba(20,30,40,.10);
}
.pillar-card h3 { color: var(--white); font-family: var(--font-display); font-size: 1.5rem; margin: 0 0 .5rem; }
.pillar-card p { color: rgba(255,255,255,.92); margin: 0; }
.pillar-card.local    { background: linear-gradient(135deg, var(--teal-deep) 0%, var(--teal) 100%); }
.pillar-card.trusted  { background: linear-gradient(135deg, var(--brand-primary) 0%, var(--brand-deep) 100%); }
.pillar-card.prudence { background: linear-gradient(135deg, #8C6F36 0%, var(--gold) 100%); }
.pillar-card.authentic{ background: linear-gradient(135deg, var(--brand-forest) 0%, #4CA052 100%); }

/* Feature card (home "What We Do" 4-up) ----------------------------------- */
.feature-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-top: 4px solid var(--teal);
  border-radius: var(--radius);
  padding: 1.8rem 1.6rem;
  position: relative;
  box-shadow: 0 6px 20px rgba(20,30,40,.08);
  transition: transform .18s var(--ease), box-shadow .18s var(--ease), border-color .18s var(--ease);
}
.feature-card:hover { transform: translateY(-4px); border-top-color: var(--teal-deep); box-shadow: 0 16px 36px rgba(20,30,40,.12); }
.feature-card .icon-wrap {
  width: 64px; height: 64px;
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-deep) 100%);
  color: var(--white);
  border-radius: 14px;
  display: inline-flex; align-items: center; justify-content: center;
  margin-bottom: 1rem;
  box-shadow: 0 6px 18px rgba(20,133,122,.32);
}
.feature-card .icon-wrap svg { width: 32px; height: 32px; }
.feature-card h3 { color: var(--brand-primary); margin: 0 0 .5rem; font-size: 1.25rem; }
.feature-card p { color: var(--slate); margin: 0 0 .8rem; }
.feature-card .more {
  font-weight: 600; color: var(--brand-primary);
  display: inline-flex; align-items: center; gap: .35rem;
}
.feature-card .more:hover { color: var(--teal-deep); }

/* Stat icons (used inside .stats-row) -------------------------------------- */
.stats-row .stat .stat-icon {
  display: inline-flex; align-items: center; justify-content: center;
  width: 48px; height: 48px;
  border-radius: 50%;
  background: rgba(10,35,66,.08);
  color: var(--brand-primary);
  margin: 0 auto .8rem;
}
.stats-row .stat .stat-icon svg { width: 24px; height: 24px; }

/* Credentials chip-row (used in hero) -------------------------------------- */
.credentials {
  display: flex; flex-wrap: wrap; gap: .6rem;
  margin-top: 1.4rem;
}
.credentials .chip {
  display: inline-flex; align-items: center; gap: .4rem;
  padding: .4rem .85rem;
  background: rgba(255,255,255,.10);
  border: 1px solid rgba(255,255,255,.18);
  border-radius: 999px;
  font-size: .85rem;
  font-weight: 500;
  color: rgba(255,255,255,.95);
}
.credentials .chip svg { width: 14px; height: 14px; color: var(--gold); }

/* FAQ accordion ------------------------------------------------------------- */
.faq details {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 0;
  margin-bottom: .6rem;
  overflow: hidden;
}
.faq summary {
  list-style: none;
  cursor: pointer;
  padding: 1.1rem 1.2rem;
  font-weight: 600;
  color: var(--charcoal);
  display: flex; justify-content: space-between; align-items: center; gap: 1rem;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+";
  font-weight: 400;
  font-size: 1.4rem;
  color: var(--brand-primary);
  transition: transform .2s var(--ease);
}
.faq details[open] summary::after { content: "−"; }
.faq details > div { padding: 0 1.2rem 1.2rem; color: var(--slate); }

/* Form ---------------------------------------------------------------------- */
.form {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.6rem;
  box-shadow: var(--shadow);
}
.form .field { margin-bottom: 1rem; }
.form label {
  display: block;
  font-size: .9rem;
  font-weight: 600;
  color: var(--charcoal);
  margin-bottom: .35rem;
}
.form input, .form textarea, .form select {
  width: 100%;
  font-family: inherit;
  font-size: 1rem;
  padding: .8rem 1rem;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  color: var(--ink);
  transition: border-color .15s var(--ease), box-shadow .15s var(--ease);
}
.form input:focus, .form textarea:focus, .form select:focus {
  outline: none;
  border-color: var(--brand-primary);
  box-shadow: 0 0 0 3px rgba(10,35,66,.15);
}
.form textarea { min-height: 130px; resize: vertical; }
.form .btn { width: 100%; padding: 1rem 1.4rem; font-size: 1.05rem; }
.form .hint { font-size: .82rem; color: var(--mute); margin-top: .4rem; }

/* Contact info block */
.contact-info {
  display: grid; gap: 1rem;
}
.contact-info .item {
  display: flex; gap: .9rem; align-items: flex-start;
  padding: 1rem 0;
  border-bottom: 1px solid var(--line);
}
.contact-info .item:last-child { border-bottom: 0; }
.contact-info svg { width: 22px; height: 22px; color: var(--brand-primary); flex: 0 0 22px; margin-top: .2rem; }
.contact-info strong { display: block; color: var(--charcoal); margin-bottom: .15rem; }
.contact-info a { font-weight: 500; }

/* Legal page ---------------------------------------------------------------- */
.legal-layout { display: grid; gap: 2rem; }
@media (min-width: 980px) {
  .legal-layout { grid-template-columns: 240px 1fr; align-items: start; }
  .legal-nav { position: sticky; top: 116px; }
}
.legal-nav ul { list-style: none; padding: 0; margin: 0; }
.legal-nav li { border-left: 2px solid var(--line); }
.legal-nav a {
  display: block;
  padding: .6rem .9rem;
  color: var(--slate);
  font-size: .95rem;
  font-weight: 500;
}
.legal-nav a:hover { color: var(--brand-primary); text-decoration: none; }
.legal-nav li.is-active { border-left-color: var(--brand-primary); }
.legal-nav li.is-active a { color: var(--brand-primary); }

.legal-content section { padding-top: 1rem; margin-bottom: 2.5rem; scroll-margin-top: 116px; }
.legal-content h2 { border-bottom: 1px solid var(--line); padding-bottom: .5rem; margin-bottom: 1rem; }
.legal-content h4 { color: var(--charcoal); margin-top: 1.4rem; }

/* Footer -------------------------------------------------------------------- */
.site-footer {
  background: var(--charcoal);
  color: rgba(255,255,255,.78);
  padding: 3rem 0 2rem;
  font-size: .92rem;
}
.site-footer h4 {
  color: var(--white);
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: .82rem;
  letter-spacing: .14em;
  text-transform: uppercase;
  margin: 0 0 .8rem;
}
.site-footer a { color: rgba(255,255,255,.78); }
.site-footer a:hover { color: var(--white); text-decoration: underline; }
.footer-grid {
  display: grid; gap: 2rem;
  grid-template-columns: 1fr;
}
@media (min-width: 720px) { .footer-grid { grid-template-columns: 2fr 1fr 1fr; } }
.footer-brand p { max-width: 36ch; }
.footer-brand img { height: 40px; margin-bottom: .9rem; }
.footer-list { list-style: none; padding: 0; margin: 0; }
.footer-list li { padding: .25rem 0; }
.footer-social { list-style: none; padding: 0; margin: 1rem 0 0; display: flex; gap: .8rem; }
.footer-social a {
  display: inline-flex; align-items: center; justify-content: center;
  width: 36px; height: 36px;
  border-radius: 50%;
  background: rgba(255,255,255,.08);
  transition: background .15s var(--ease);
}
.footer-social a:hover { background: rgba(255,255,255,.18); }
.footer-social img { width: 18px; height: 18px; filter: invert(100%) brightness(2); opacity: .85; }
.footer-legal {
  margin-top: 2.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255,255,255,.12);
  font-size: .82rem;
  color: rgba(255,255,255,.6);
}
.footer-legal p { margin: 0 0 .6rem; }
.footer-legal-links {
  display: flex; flex-wrap: wrap; gap: .6rem 1.2rem;
  margin-top: .8rem;
}
.footer-legal-links a { color: rgba(255,255,255,.7); }

/* Utilities ---------------------------------------------------------------- */
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}
.skip-link {
  position: absolute; left: -9999px; top: 0;
  background: var(--charcoal); color: var(--white);
  padding: .6rem 1rem; z-index: 100;
}
.skip-link:focus { left: 0; }

.mt-2 { margin-top: 2rem; }
.mb-0 { margin-bottom: 0; }