:root {
  --navy-950:#061c33;
  --navy-900:#08243f;
  --navy-800:#0c3155;
  --navy-700:#15466f;
  --amber-600:#c77d17;
  --amber-500:#dc8a18;
  --amber-400:#efa23b;
  --blue-100:#eaf3ff;
  --amber-100:#fff2df;
  --ink:#0b2038;
  --muted:#536579;
  --line:#dce5ee;
  --line-strong:#c8d5e0;
  --white:#ffffff;
  --green:#16834f;
  --red:#b94949;
  --shadow-sm:0 10px 30px rgba(6,28,51,.06);
  --shadow-md:0 20px 55px rgba(6,28,51,.11);
  --radius-sm:12px;
  --radius-md:18px;
  --radius-lg:26px;
  --shell:1460px;
  --font:"Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

* { box-sizing:border-box; }
html { scroll-behavior:smooth; }
body {
  margin:0;
  color:var(--ink);
  background:#fff;
  font-family:var(--font);
  font-size:16px;
  line-height:1.55;
  -webkit-font-smoothing:antialiased;
}
body.menu-open { overflow:hidden; }
img,svg { display:block; max-width:100%; }
button,input,select,textarea { font:inherit; }
button,a { -webkit-tap-highlight-color:transparent; }
a { color:inherit; text-decoration:none; }
button { color:inherit; }
.shell { width:min(calc(100% - 64px),var(--shell)); margin-inline:auto; }
.skip-link { position:fixed; left:16px; top:-80px; z-index:9999; padding:12px 16px; background:var(--navy-950); color:#fff; border-radius:8px; }
.skip-link:focus { top:16px; }

.site-header {
  position:sticky;
  top:0;
  z-index:1000;
  background:rgba(255,255,255,.96);
  border-bottom:1px solid transparent;
  backdrop-filter:blur(14px);
  transition:border-color .2s ease, box-shadow .2s ease;
}
.site-header.scrolled { border-color:var(--line); box-shadow:0 5px 20px rgba(6,28,51,.045); }
.header-row { min-height:92px; display:grid; grid-template-columns:230px minmax(0,1fr) auto; align-items:center; gap:26px; }
.brand img { width:205px; height:auto; }
.primary-nav { display:flex; align-items:center; justify-content:center; gap:25px; min-width:0; }
.primary-nav a { position:relative; color:var(--navy-950); font-size:.91rem; font-weight:700; white-space:nowrap; }
.primary-nav a::after { content:""; position:absolute; left:0; right:100%; bottom:-8px; height:2px; background:var(--amber-500); transition:right .2s ease; }
.primary-nav a:hover::after,.primary-nav a:focus-visible::after { right:0; }
.header-action { display:inline-flex; align-items:center; gap:10px; min-height:45px; padding:0 18px; background:var(--navy-950); color:#fff; font-size:.9rem; font-weight:800; border-radius:8px; }
.header-action:hover { background:var(--navy-800); }
.menu-toggle { display:none; border:0; background:transparent; width:44px; height:44px; padding:10px; cursor:pointer; }
.menu-toggle span { display:block; height:2px; margin:5px 0; background:var(--navy-950); border-radius:2px; }

.hero { padding:72px 0 62px; border-bottom:1px solid var(--line); overflow:hidden; }
.hero-layout { display:grid; grid-template-columns:minmax(285px,.76fr) minmax(640px,1.7fr); gap:62px; align-items:center; }
.hero-copy { position:relative; padding:34px 0 24px 18px; }
.logo-curve { position:absolute; left:-50px; top:160px; width:72px; height:72px; border:13px solid var(--amber-400); border-right-color:transparent; border-bottom-color:transparent; border-radius:50%; transform:rotate(135deg); opacity:.85; }
.kicker,.micro-label {
  margin:0 0 12px;
  color:var(--amber-600);
  font-size:.9rem;
  line-height:1.4;
  font-weight:900;
  letter-spacing:.105em;
  text-transform:uppercase;
}
.hero h1 { margin:0; color:var(--navy-950); font-size:clamp(3.65rem,5.4vw,6.2rem); line-height:.94; letter-spacing:-.065em; }
.hero-intro { max-width:540px; margin:30px 0 34px; color:var(--muted); font-size:1.16rem; line-height:1.65; }
.trust-signals { display:flex; flex-wrap:wrap; gap:22px; padding-top:18px; }
.trust-signal { display:flex; align-items:center; gap:9px; color:var(--muted); font-size:.86rem; }
.trust-signal svg { width:26px; height:26px; fill:none; stroke:var(--navy-800); stroke-width:1.7; stroke-linecap:round; stroke-linejoin:round; }
.trust-signal strong { display:block; color:var(--navy-950); }

.loan-desk { min-width:0; }
.desk-heading { display:flex; align-items:center; justify-content:center; gap:20px; margin-bottom:22px; }
.desk-heading h2 { margin:0; color:var(--navy-900); font-size:clamp(1.2rem,1.7vw,1.75rem); text-align:center; letter-spacing:-.025em; }
.heading-line { position:relative; width:120px; height:1px; background:var(--amber-500); }
.heading-line::before { content:""; position:absolute; top:50%; width:9px; height:9px; border:2px solid var(--amber-500); background:#fff; border-radius:50%; transform:translateY(-50%); }
.heading-line:first-child::before { left:-1px; }
.heading-line:last-child::before { right:-1px; }
.route-cards { display:grid; grid-template-columns:1fr 1fr; gap:18px; }
.route-card { min-height:355px; padding:34px 34px 28px; display:flex; flex-direction:column; align-items:center; text-align:center; background:#fff; border:1px solid var(--line); border-radius:var(--radius-md); box-shadow:var(--shadow-sm); transition:transform .2s ease,border-color .2s ease,box-shadow .2s ease; }
.route-card:hover,.route-card.active { transform:translateY(-3px); border-color:#b9c9d8; box-shadow:var(--shadow-md); }
.route-icon { width:78px; height:78px; display:grid; place-items:center; margin-bottom:20px; border-radius:50%; }
.route-icon-blue { background:var(--blue-100); }
.route-icon-amber { background:var(--amber-100); }
.route-icon svg { width:43px; fill:none; stroke:var(--navy-800); stroke-width:2.2; stroke-linecap:round; stroke-linejoin:round; }
.route-card p { margin:0 0 2px; color:var(--navy-950); font-size:1.06rem; }
.route-card h3 { margin:0 0 12px; color:var(--navy-950); font-size:2rem; letter-spacing:-.04em; }
.route-summary { min-height:72px; color:var(--muted); font-size:.96rem; }
.route-button { width:100%; min-height:50px; margin-top:auto; padding:0 20px; display:flex; align-items:center; justify-content:center; gap:14px; border:0; border-radius:6px; color:#fff; font-weight:800; cursor:pointer; transition:transform .2s ease,filter .2s ease; }
.route-button:hover { transform:translateY(-1px); filter:brightness(1.05); }
.route-button-navy { background:var(--navy-950); }
.route-button-amber { background:linear-gradient(90deg,var(--amber-600),#ee970c); }
.route-button span,.outline-action span,.solid-action span,.submit-action span,.light-action span { font-size:1.2em; }
.route-options { margin-top:18px; padding:28px; border:1px solid var(--line-strong); border-radius:var(--radius-md); background:#fff; box-shadow:var(--shadow-sm); }
.route-options[hidden] { display:none; }
.route-options-head { display:flex; justify-content:space-between; gap:20px; align-items:flex-start; }
.route-options h3 { margin:0; color:var(--navy-950); font-size:1.45rem; }
.route-close { width:38px; height:38px; flex:0 0 auto; border:1px solid var(--line); border-radius:50%; background:#fff; color:var(--navy-950); font-size:1.6rem; line-height:1; cursor:pointer; }
.option-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:10px; margin-top:20px; }
.option-grid button { min-height:62px; padding:12px 16px; border:1px solid var(--line); background:#fff; border-radius:10px; color:var(--navy-950); font-weight:750; text-align:left; cursor:pointer; }
.option-grid button:hover,.option-grid button.selected { border-color:var(--amber-500); box-shadow:inset 3px 0 0 var(--amber-500); }
.route-disclaimer { margin:18px 0 0; color:var(--muted); font-size:.82rem; }

.case-note { background:#fff; border-bottom:1px solid var(--line); }
.case-note-layout { display:grid; grid-template-columns:72px 1.4fr 1fr 240px; gap:32px; align-items:center; min-height:214px; padding-top:32px; padding-bottom:32px; border-left:4px solid var(--amber-500); }
.case-icon { width:66px; height:66px; display:grid; place-items:center; border:1px solid #f0d2aa; border-radius:50%; }
.case-icon svg { width:42px; fill:none; stroke:var(--amber-600); stroke-width:1.8; stroke-linecap:round; stroke-linejoin:round; }
.case-story { padding-right:26px; }
.case-story h2 { margin:0 0 10px; color:var(--navy-950); font-size:clamp(1.35rem,2vw,2rem); line-height:1.22; letter-spacing:-.035em; }
.case-story p:last-child,.case-bridge p,.case-action p { color:var(--muted); font-size:.92rem; }
.case-story p:last-child { margin:0; }
.case-bridge { display:grid; grid-template-columns:62px 1fr; gap:18px; padding:12px 28px; border-left:1px solid var(--line); }
.mini-mark { width:58px; height:58px; overflow:hidden; }
.mini-mark img { width:100%; height:100%; object-fit:contain; }
.case-bridge h3 { margin:0 0 8px; color:var(--navy-950); font-size:1.25rem; line-height:1.3; }
.case-bridge p { margin:0; }
.case-action { display:grid; gap:12px; }
.outline-action,.solid-action,.light-action { min-height:48px; padding:0 18px; display:inline-flex; align-items:center; justify-content:center; gap:12px; border-radius:7px; font-weight:850; cursor:pointer; }
.outline-action { border:1px solid var(--amber-500); background:#fff; color:var(--amber-600); }
.outline-action:hover { background:#fff9f0; }
.case-action p { margin:0; font-size:.76rem; }

.journey-section { padding:68px 0 72px; border-bottom:1px solid var(--line); }
.section-heading.compact { margin-bottom:36px; }
.section-heading h2,.readiness-copy h2,.stuck-heading h2,.guides-section h2,.about-strip h2,.partner-strip h2,.enquiry-intro h2 { margin:0; color:var(--navy-950); letter-spacing:-.045em; }
.section-heading h2,.readiness-copy h2,.stuck-heading h2,.guides-section h2 { font-size:clamp(2rem,3vw,3.2rem); }
.journey-track { position:relative; display:grid; grid-template-columns:repeat(5,1fr); gap:28px; margin:0; padding:0; list-style:none; }
.journey-track::before { content:""; position:absolute; left:6%; right:6%; top:29px; height:2px; background:linear-gradient(90deg,var(--amber-400),var(--amber-500)); }
.journey-track li { position:relative; z-index:1; text-align:center; }
.journey-node { width:60px; height:60px; margin:0 auto 18px; display:grid; place-items:center; background:#fff; border:2px solid var(--amber-500); border-radius:50%; }
.journey-node svg { width:30px; fill:none; stroke:var(--amber-600); stroke-width:1.7; stroke-linecap:round; stroke-linejoin:round; }
.journey-node-final { background:var(--amber-500); }
.journey-node-final svg { stroke:#fff; stroke-width:2.6; }
.journey-track strong { display:block; color:var(--navy-950); font-size:1rem; }
.journey-track p { max-width:200px; margin:7px auto 0; color:var(--muted); font-size:.86rem; }

.readiness-section { border-bottom:1px solid var(--line); }
.readiness-panel { display:grid; grid-template-columns:320px 1fr; gap:36px; align-items:center; padding-top:42px; padding-bottom:42px; }
.readiness-copy p:not(.micro-label) { color:var(--muted); }
.solid-action { border:0; background:var(--navy-950); color:#fff; }
.readiness-status { display:grid; grid-template-columns:repeat(5,1fr); gap:10px; }
.status-item { min-height:118px; padding:18px 14px; display:flex; align-items:center; gap:12px; text-align:left; border:1px solid var(--line); border-radius:12px; background:#fff; cursor:pointer; transition:border-color .2s ease,transform .2s ease; }
.status-item:hover { transform:translateY(-2px); border-color:#b8c7d4; }
.status-item svg { width:34px; flex:0 0 34px; fill:none; stroke:var(--navy-800); stroke-width:1.7; stroke-linecap:round; stroke-linejoin:round; }
.status-item strong { display:block; color:var(--navy-950); font-size:.86rem; line-height:1.25; }
.status-item small { display:block; margin-top:6px; color:var(--muted); font-weight:700; }
.status-item.ready small { color:var(--green); }
.status-item.pending small { color:var(--amber-600); }
.readiness-drawer { border-top:1px solid var(--line); background:#fff; }
.readiness-drawer[hidden] { display:none; }
.drawer-inner { padding-top:34px; padding-bottom:38px; }
.drawer-heading { display:flex; justify-content:space-between; gap:22px; }
.drawer-heading h3 { margin:0; color:var(--navy-950); font-size:1.55rem; }
.drawer-heading p:last-child { margin:.25rem 0 0; color:var(--muted); }
.checklist-grid { display:grid; grid-template-columns:repeat(5,1fr); gap:10px; margin:25px 0; }
.checklist-grid label { min-height:96px; padding:16px; display:flex; gap:10px; align-items:flex-start; border:1px solid var(--line); border-radius:10px; color:var(--navy-950); font-weight:700; cursor:pointer; }
.checklist-grid input { margin-top:4px; accent-color:var(--amber-500); }
.readiness-result { display:grid; grid-template-columns:minmax(240px,1fr) auto auto; align-items:center; gap:18px; }
.readiness-meter { height:9px; overflow:hidden; border-radius:20px; background:#edf2f6; }
.readiness-meter span { display:block; width:0; height:100%; background:linear-gradient(90deg,var(--amber-400),var(--amber-600)); transition:width .25s ease; }
.readiness-result p { margin:0; color:var(--muted); white-space:nowrap; }
.compact-action { min-height:42px; }

.stuck-section { padding:94px 0; border-bottom:1px solid var(--line); }
.stuck-layout { display:grid; grid-template-columns:.82fr 1.35fr; gap:90px; align-items:start; }
.stuck-heading { position:sticky; top:125px; }
.stuck-heading p:last-child { max-width:520px; color:var(--muted); font-size:1.02rem; }
.situation-list { border-top:1px solid var(--line-strong); }
.situation-list button { width:100%; min-height:76px; padding:0 6px; display:flex; align-items:center; justify-content:space-between; gap:24px; border:0; border-bottom:1px solid var(--line); background:#fff; color:var(--navy-950); font-weight:750; font-size:1.08rem; text-align:left; cursor:pointer; }
.situation-list button span { transition:transform .2s ease; }
.situation-list button b { color:#9dafbf; font-size:.8rem; letter-spacing:.1em; }
.situation-list button:hover span { transform:translateX(8px); color:var(--amber-600); }

.guides-section { padding:94px 0; }
.guide-layout { display:grid; grid-template-columns:.9fr 1.2fr; gap:90px; align-items:start; }
.section-heading > p:last-child { color:var(--muted); font-size:1.03rem; }
.question-list { border-top:1px solid var(--line-strong); }
.question-list details { border-bottom:1px solid var(--line); }
.question-list summary { position:relative; padding:25px 50px 25px 0; color:var(--navy-950); font-size:1.05rem; font-weight:800; cursor:pointer; list-style:none; }
.question-list summary::-webkit-details-marker { display:none; }
.question-list summary::after { content:"+"; position:absolute; right:4px; top:50%; width:30px; height:30px; display:grid; place-items:center; border:1px solid var(--line); border-radius:50%; transform:translateY(-50%); font-size:1.25rem; }
.question-list details[open] summary::after { content:"−"; }
.question-list details p { margin:-5px 60px 26px 0; color:var(--muted); }

.enquiry-section { padding:84px 0; background:var(--navy-950); }
.enquiry-shell { display:grid; grid-template-columns:.78fr 1.22fr; gap:72px; align-items:start; }
.micro-label.light { color:#f0a63d; }
.enquiry-intro h2 { color:#fff; font-size:clamp(2.3rem,3.5vw,4rem); }
.enquiry-intro > p:not(.micro-label),.enquiry-intro li { color:#c7d3df; }
.enquiry-intro ul { margin:28px 0 0; padding:0; list-style:none; }
.enquiry-intro li { position:relative; padding:8px 0 8px 28px; }
.enquiry-intro li::before { content:"✓"; position:absolute; left:0; color:var(--amber-400); font-weight:900; }
.enquiry-form { padding:34px; background:#fff; border-radius:var(--radius-md); }
.form-row { display:grid; gap:16px; margin-bottom:16px; }
.form-row.two { grid-template-columns:1fr 1fr; }
.enquiry-form label { display:grid; gap:7px; }
.enquiry-form label > span:first-child { color:var(--navy-950); font-size:.88rem; font-weight:800; }
.enquiry-form input,.enquiry-form select,.enquiry-form textarea { width:100%; border:1px solid #cbd8e2; border-radius:8px; background:#fff; color:var(--ink); padding:12px 13px; outline:none; }
.enquiry-form input:focus,.enquiry-form select:focus,.enquiry-form textarea:focus { border-color:var(--amber-500); box-shadow:0 0 0 4px rgba(220,138,24,.13); }
.full-field { margin-bottom:16px; }
.enquiry-form textarea { resize:vertical; min-height:105px; }
.consent-field { grid-template-columns:18px 1fr !important; align-items:start; gap:10px !important; color:var(--muted); font-size:.78rem; }
.consent-field input { width:17px; height:17px; margin-top:3px; padding:0; accent-color:var(--amber-500); }
.consent-field span { color:var(--muted) !important; font-weight:500 !important; }
.submit-action { width:100%; min-height:52px; margin-top:18px; display:flex; align-items:center; justify-content:center; gap:14px; border:0; border-radius:7px; background:linear-gradient(90deg,var(--amber-600),#ee970c); color:#fff; font-weight:900; cursor:pointer; }
.honeypot { position:absolute!important; left:-9999px!important; width:1px!important; height:1px!important; overflow:hidden!important; }
.form-status { display:none; margin-bottom:18px; padding:13px 15px; border-radius:8px; font-size:.9rem; }
.form-status.show { display:block; }
.form-status.success { background:#eaf7ef; color:#10613d; }
.form-status.error { background:#fff0f0; color:#8c2f2f; }

.about-strip { padding:76px 0; border-bottom:1px solid var(--line); }
.about-layout { display:grid; grid-template-columns:.9fr 1.1fr; gap:80px; align-items:center; }
.about-strip h2 { font-size:clamp(2rem,3vw,3.25rem); }
.about-strip p:last-child { color:var(--muted); font-size:1.05rem; }
.partner-strip { padding:55px 0; background:var(--navy-800); color:#fff; }
.partner-layout { display:flex; align-items:center; justify-content:space-between; gap:40px; }
.partner-strip h2 { max-width:850px; color:#fff; font-size:clamp(1.8rem,2.8vw,3rem); }
.light-action { border:1px solid rgba(255,255,255,.35); background:#fff; color:var(--navy-950); white-space:nowrap; }

.site-footer { padding:64px 0 22px; background:#041525; color:#becbd7; }
.footer-layout { display:grid; grid-template-columns:1.45fr repeat(3,1fr); gap:50px; }
.footer-brand img { width:210px; }
.footer-brand p { max-width:340px; }
.site-footer h3 { margin:0 0 14px; color:#fff; font-size:.92rem; }
.site-footer a { display:block; margin:8px 0; color:#becbd7; font-size:.9rem; }
.site-footer a:hover { color:var(--amber-400); }
.footer-bottom { display:flex; justify-content:space-between; gap:40px; margin-top:42px; padding-top:20px; border-top:1px solid rgba(255,255,255,.11); font-size:.78rem; }
.footer-bottom p { margin:0; }
.footer-bottom p:last-child { max-width:720px; text-align:right; }
.mobile-enquiry { display:none; }
.cookie-banner { position:fixed; left:20px; right:20px; bottom:20px; z-index:1600; max-width:850px; margin:auto; padding:18px; display:flex; align-items:center; justify-content:space-between; gap:20px; background:var(--navy-950); color:#fff; border-radius:12px; box-shadow:var(--shadow-md); }
.cookie-banner[hidden] { display:none; }
.cookie-banner p { margin:0; }
.cookie-banner button { margin-left:8px; padding:9px 14px; border:1px solid rgba(255,255,255,.3); border-radius:6px; background:#fff; color:var(--navy-950); cursor:pointer; }

@media (max-width:1280px) {
  .shell { width:min(calc(100% - 44px),var(--shell)); }
  .header-row { grid-template-columns:190px minmax(0,1fr) auto; gap:18px; }
  .brand img { width:180px; }
  .primary-nav { gap:15px; }
  .primary-nav a { font-size:.8rem; }
  .hero-layout { grid-template-columns:minmax(260px,.7fr) minmax(590px,1.55fr); gap:40px; }
  .route-card { padding:30px 25px 26px; }
  .case-note-layout { grid-template-columns:60px 1.25fr .9fr 205px; gap:22px; }
  .case-bridge { padding-inline:20px; }
  .readiness-panel { grid-template-columns:280px 1fr; }
  .status-item { flex-direction:column; align-items:flex-start; }
}

@media (max-width:1050px) {
  .header-row { grid-template-columns:1fr auto; min-height:76px; }
  .brand img { width:185px; }
  .menu-toggle { display:block; justify-self:end; }
  .header-action { display:none; }
  .primary-nav { position:fixed; left:18px; right:18px; top:82px; display:none; max-height:calc(100vh - 100px); overflow:auto; padding:20px; background:#fff; border:1px solid var(--line); border-radius:14px; box-shadow:var(--shadow-md); flex-direction:column; align-items:stretch; gap:0; }
  .primary-nav.open { display:flex; }
  .primary-nav a { padding:13px 8px; border-bottom:1px solid var(--line); font-size:.95rem; }
  .primary-nav a:last-child { border-bottom:0; }
  .hero-layout { grid-template-columns:1fr; }
  .hero-copy { max-width:720px; padding-left:0; }
  .logo-curve { display:none; }
  .hero h1 br { display:none; }
  .case-note-layout { grid-template-columns:60px 1fr 1fr; }
  .case-action { grid-column:2/-1; grid-template-columns:auto 1fr; align-items:center; }
  .journey-track { gap:12px; }
  .readiness-panel { grid-template-columns:1fr; }
  .readiness-status { grid-template-columns:repeat(5,1fr); }
  .stuck-layout,.guide-layout,.enquiry-shell,.about-layout { grid-template-columns:1fr; gap:45px; }
  .stuck-heading { position:static; }
  .checklist-grid { grid-template-columns:repeat(2,1fr); }
  .readiness-result { grid-template-columns:1fr auto; }
  .readiness-result p { grid-column:1/-1; }
}

@media (max-width:760px) {
  .shell { width:min(calc(100% - 28px),var(--shell)); }
  .hero { padding:38px 0 42px; }
  .hero-copy { padding:10px 0 8px; }
  .kicker,.micro-label { font-size:.8rem; line-height:1.45; letter-spacing:.09em; }
  .hero h1 { font-size:3.55rem; }
  .hero-intro { margin:20px 0 24px; font-size:1rem; }
  .trust-signals { gap:13px 18px; padding-top:4px; }
  .trust-signal { font-size:.78rem; }
  .desk-heading { gap:10px; margin-top:22px; }
  .heading-line { width:38px; }
  .desk-heading h2 { font-size:1.25rem; }
  .route-cards { grid-template-columns:1fr; }
  .route-card { min-height:0; padding:24px 22px; display:grid; grid-template-columns:62px 1fr; column-gap:18px; text-align:left; align-items:center; }
  .route-icon { grid-row:1/5; width:62px; height:62px; margin:0; }
  .route-icon svg { width:34px; }
  .route-card p,.route-card h3,.route-card .route-summary { grid-column:2; }
  .route-card h3 { font-size:1.65rem; }
  .route-summary { min-height:0; margin-bottom:18px; }
  .route-button { grid-column:1/-1; margin-top:8px; }
  .option-grid { grid-template-columns:1fr; }
  .case-note-layout { grid-template-columns:50px 1fr; padding-top:28px; padding-bottom:28px; }
  .case-icon { width:50px; height:50px; }
  .case-icon svg { width:31px; }
  .case-story { padding-right:0; }
  .case-story h2 br { display:none; }
  .case-bridge { grid-column:1/-1; padding:20px 0 0; border-left:0; border-top:1px solid var(--line); }
  .case-action { grid-column:1/-1; display:grid; grid-template-columns:1fr; }
  .journey-section { padding:56px 0; }
  .journey-track { grid-template-columns:1fr; gap:0; text-align:left; }
  .journey-track::before { left:29px; right:auto; top:24px; bottom:50px; width:2px; height:auto; }
  .journey-track li { min-height:103px; padding-left:82px; text-align:left; }
  .journey-node { position:absolute; left:0; margin:0; }
  .journey-track p { max-width:none; margin:4px 0 0; }
  .readiness-status { grid-template-columns:1fr 1fr; }
  .status-item { min-height:105px; }
  .checklist-grid { grid-template-columns:1fr; }
  .readiness-result { grid-template-columns:1fr; }
  .readiness-result p { grid-column:auto; white-space:normal; }
  .stuck-section,.guides-section { padding:70px 0; }
  .situation-list button { min-height:70px; font-size:.98rem; }
  .enquiry-section { padding:64px 0 85px; }
  .enquiry-form { padding:24px; }
  .form-row.two { grid-template-columns:1fr; }
  .partner-layout { align-items:flex-start; flex-direction:column; }
  .footer-layout { grid-template-columns:1fr 1fr; gap:35px 25px; }
  .footer-brand { grid-column:1/-1; }
  .footer-bottom { flex-direction:column; gap:12px; padding-bottom:62px; }
  .footer-bottom p:last-child { text-align:left; }
  .mobile-enquiry { position:fixed; left:14px; right:14px; bottom:12px; z-index:1200; min-height:54px; display:flex; align-items:center; justify-content:center; gap:12px; background:var(--navy-950); color:#fff; border-radius:9px; box-shadow:0 12px 32px rgba(6,28,51,.25); font-weight:900; transform:translateY(140%); opacity:0; pointer-events:none; transition:transform .24s ease,opacity .24s ease; }
  .mobile-enquiry.visible { transform:translateY(0); opacity:1; pointer-events:auto; }
  .cookie-banner { bottom:78px; flex-direction:column; align-items:flex-start; }
}

@media (max-width:440px) {
  .hero h1 { font-size:3.05rem; }
  .trust-signals { display:grid; grid-template-columns:1fr 1fr; }
  .readiness-status { grid-template-columns:1fr; }
  .status-item { min-height:86px; flex-direction:row; }
  .footer-layout { grid-template-columns:1fr; }
  .footer-brand { grid-column:auto; }
}

@media (prefers-reduced-motion:reduce) {
  * { scroll-behavior:auto!important; transition:none!important; animation:none!important; }
}

.legal-hero { padding:70px 0 48px; border-bottom:1px solid var(--line); }
.legal-hero h1 { max-width:900px; margin:0; color:var(--navy-950); font-size:clamp(2.7rem,5vw,5.3rem); line-height:1; letter-spacing:-.06em; }
.legal-hero p { max-width:760px; color:var(--muted); font-size:1.05rem; }
.legal-content { max-width:900px; padding-top:62px; padding-bottom:90px; }
.legal-content .draft-note { padding:16px 18px; border-left:4px solid var(--amber-500); background:#fff; border-top:1px solid var(--line); border-right:1px solid var(--line); border-bottom:1px solid var(--line); color:var(--muted); }
.legal-content h2 { margin:42px 0 10px; color:var(--navy-950); font-size:1.55rem; }
.legal-content p,.legal-content li { color:var(--muted); }
.legal-content a { color:var(--amber-600); text-decoration:underline; }
.legal-content ul { padding-left:22px; }

/* Business and MSME route */
.business-spotlight {
  padding:72px 0;
  border-bottom:1px solid var(--line);
  background:#fff;
}
.business-spotlight-layout {
  display:grid;
  grid-template-columns:minmax(300px,.82fr) minmax(560px,1.45fr);
  gap:78px;
  align-items:start;
}
.business-spotlight-heading {
  position:relative;
  padding-left:26px;
}
.business-spotlight-heading::before {
  content:"";
  position:absolute;
  left:0;
  top:4px;
  bottom:5px;
  width:4px;
  background:var(--amber-500);
}
.business-spotlight h2 {
  max-width:600px;
  margin:0;
  color:var(--navy-950);
  font-size:clamp(2rem,3vw,3.25rem);
  line-height:1.05;
  letter-spacing:-.05em;
}
.business-lead {
  max-width:850px;
  margin:0 0 26px;
  color:var(--muted);
  font-size:1.08rem;
}
.business-route-lines {
  border-top:1px solid var(--line-strong);
}
.business-route-lines div {
  display:grid;
  grid-template-columns:190px 1fr;
  gap:24px;
  padding:18px 0;
  border-bottom:1px solid var(--line);
}
.business-route-lines strong {
  color:var(--navy-950);
  font-size:.95rem;
}
.business-route-lines span {
  color:var(--muted);
  font-size:.94rem;
}
.business-actions {
  display:flex;
  flex-wrap:wrap;
  gap:22px;
  align-items:center;
  margin-top:28px;
}
.solid-link {
  min-height:49px;
  padding:0 20px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:12px;
  border-radius:7px;
  background:var(--navy-950);
  color:#fff;
  font-weight:850;
}
.solid-link:hover { background:var(--navy-800); }
.text-action {
  padding:8px 0;
  border:0;
  border-bottom:1px solid var(--amber-500);
  background:transparent;
  color:var(--amber-600);
  font-weight:850;
  cursor:pointer;
}
.business-smallprint {
  max-width:850px;
  margin:20px 0 0;
  color:var(--muted);
  font-size:.78rem;
}

/* Dedicated business loan page */
.business-page-hero {
  padding:82px 0 74px;
  border-bottom:1px solid var(--line);
  overflow:hidden;
}
.business-page-hero-layout {
  display:grid;
  grid-template-columns:minmax(420px,1.15fr) minmax(420px,.85fr);
  gap:88px;
  align-items:start;
}
.business-page-hero h1 {
  max-width:850px;
  margin:0;
  color:var(--navy-950);
  font-size:clamp(3.4rem,6.5vw,7.2rem);
  line-height:.91;
  letter-spacing:-.07em;
}
.business-page-hero .hero-intro { max-width:760px; }
.business-hero-note {
  align-self:start;
  padding:8px 0 4px 30px;
  border-left:4px solid var(--amber-500);
}
.business-hero-note strong {
  display:block;
  margin-bottom:9px;
  color:var(--navy-950);
  font-size:1.35rem;
}
.business-hero-note p { margin:0; color:var(--muted); }
.business-purpose-section { padding:90px 0; border-bottom:1px solid var(--line); }
.business-purpose-layout {
  display:grid;
  grid-template-columns:minmax(280px,.72fr) minmax(580px,1.28fr);
  gap:78px;
}
.business-purpose-intro h2,
.business-bank-view h2,
.business-help h2 {
  margin:0;
  color:var(--navy-950);
  font-size:clamp(2.15rem,3.5vw,3.8rem);
  line-height:1.02;
  letter-spacing:-.055em;
}
.business-purpose-intro p:last-child,
.business-bank-view > .shell > p,
.business-help-copy > p { color:var(--muted); }
.business-purpose-list { border-top:1px solid var(--line-strong); }
.business-purpose-item {
  display:grid;
  grid-template-columns:74px 1fr auto;
  gap:24px;
  align-items:center;
  padding:25px 0;
  border-bottom:1px solid var(--line);
}
.business-purpose-item b {
  color:var(--amber-600);
  font-size:.8rem;
  letter-spacing:.12em;
}
.business-purpose-item h3 { margin:0 0 6px; color:var(--navy-950); font-size:1.25rem; }
.business-purpose-item p { margin:0; color:var(--muted); }
.business-purpose-item span { color:var(--amber-600); font-size:1.4rem; }
.business-bank-view { padding:88px 0; border-bottom:1px solid var(--line); }
.business-bank-view > .shell > p { max-width:820px; margin:18px 0 36px; font-size:1.04rem; }
.business-check-lines { display:grid; grid-template-columns:repeat(4,1fr); border-top:1px solid var(--line-strong); }
.business-check-lines div { min-height:180px; padding:24px; border-right:1px solid var(--line); border-bottom:1px solid var(--line); }
.business-check-lines div:first-child { border-left:1px solid var(--line); }
.business-check-lines strong { display:block; margin-bottom:12px; color:var(--navy-950); }
.business-check-lines p { margin:0; color:var(--muted); font-size:.9rem; }
.business-help { padding:88px 0; }
.business-help-layout { display:grid; grid-template-columns:.85fr 1.15fr; gap:80px; align-items:start; }
.business-help-copy { padding-left:26px; border-left:4px solid var(--amber-500); }
.business-help-copy ul { margin:24px 0 30px; padding:0; list-style:none; }
.business-help-copy li { position:relative; padding:12px 0 12px 26px; border-bottom:1px solid var(--line); color:var(--muted); }
.business-help-copy li::before { content:""; position:absolute; left:0; top:21px; width:8px; height:8px; border:2px solid var(--amber-500); border-radius:50%; }
.business-page-disclaimer { margin-top:20px; color:var(--muted); font-size:.8rem; }

@media (max-width:1050px) {
  .business-spotlight-layout,
  .business-page-hero-layout,
  .business-purpose-layout,
  .business-help-layout { grid-template-columns:1fr; gap:44px; }
  .business-check-lines { grid-template-columns:1fr 1fr; }
  .business-check-lines div:nth-child(3) { border-left:1px solid var(--line); }
}

@media (max-width:760px) {
  .business-spotlight { padding:58px 0; }
  .business-spotlight-layout { gap:30px; }
  .business-route-lines div { grid-template-columns:1fr; gap:5px; padding:16px 0; }
  .business-actions { align-items:flex-start; flex-direction:column; gap:13px; }
  .business-page-hero { padding:55px 0; }
  .business-page-hero h1 { font-size:3.65rem; }
  .business-hero-note { padding-left:20px; }
  .business-purpose-section,.business-bank-view,.business-help { padding:66px 0; }
  .business-purpose-item { grid-template-columns:42px 1fr; gap:12px; }
  .business-purpose-item span { display:none; }
  .business-check-lines { grid-template-columns:1fr; }
  .business-check-lines div { min-height:0; border-left:1px solid var(--line); }
}


/* V2.2 navigation and typography refinements */
:root { --header-shell:1680px; }
.site-header .shell { width:min(calc(100% - 64px),var(--header-shell)); }
.header-row { min-height:88px; grid-template-columns:220px minmax(0,1fr) auto; gap:24px; }
.brand img { width:200px; }
.primary-nav { gap:22px; }
.primary-nav > a,
.nav-group-toggle {
  position:relative;
  color:var(--navy-950);
  font-size:.94rem;
  font-weight:750;
  line-height:1.2;
  white-space:nowrap;
}
.primary-nav > a::after {
  content:"";
  position:absolute;
  left:0;
  right:100%;
  bottom:-8px;
  height:2px;
  background:var(--amber-500);
  transition:right .2s ease;
}
.primary-nav > a:hover::after,
.primary-nav > a:focus-visible::after { right:0; }
.primary-nav .nav-dropdown a::after { display:none; }
.nav-group { position:relative; display:flex; align-items:center; }
.nav-group-toggle {
  display:inline-flex;
  align-items:center;
  gap:6px;
  padding:0;
  border:0;
  background:transparent;
  cursor:pointer;
}
.nav-group-toggle span { color:var(--amber-600); font-size:1rem; transition:transform .2s ease; }
.nav-dropdown {
  position:absolute;
  top:calc(100% + 17px);
  left:50%;
  z-index:40;
  min-width:218px;
  padding:9px;
  background:#fff;
  border:1px solid var(--line);
  border-radius:10px;
  box-shadow:0 18px 45px rgba(6,28,51,.13);
  opacity:0;
  visibility:hidden;
  pointer-events:none;
  transform:translate(-50%,-5px);
  transition:opacity .18s ease,transform .18s ease,visibility .18s ease;
}
.nav-dropdown a {
  display:block;
  padding:11px 12px;
  border-radius:7px;
  color:var(--navy-950);
  font-size:.9rem;
  font-weight:700;
  white-space:nowrap;
}
.nav-dropdown a:hover,
.nav-dropdown a:focus-visible { background:var(--blue-100); }
.nav-group:hover .nav-dropdown,
.nav-group:focus-within .nav-dropdown,
.nav-group.open .nav-dropdown {
  opacity:1;
  visibility:visible;
  pointer-events:auto;
  transform:translate(-50%,0);
}
.nav-group:hover .nav-group-toggle span,
.nav-group:focus-within .nav-group-toggle span,
.nav-group.open .nav-group-toggle span { transform:rotate(180deg); }
.trust-signal { color:var(--navy-900); font-size:.9rem; font-weight:750; }
.trust-signal span,
.trust-signal strong { color:inherit; font-weight:inherit; }

@media (max-width:1360px) {
  .site-header .shell { width:min(calc(100% - 38px),var(--header-shell)); }
  .header-row { grid-template-columns:190px minmax(0,1fr) auto; gap:17px; }
  .brand img { width:180px; }
  .primary-nav { gap:15px; }
  .primary-nav > a,
  .nav-group-toggle { font-size:.88rem; }
  .header-action { padding-inline:15px; font-size:.86rem; }
}

@media (max-width:1180px) {
  .site-header .shell { width:min(calc(100% - 36px),var(--header-shell)); }
  .header-row { grid-template-columns:1fr auto; min-height:76px; }
  .brand img { width:185px; }
  .menu-toggle { display:block; justify-self:end; }
  .header-action { display:none; }
  .primary-nav {
    position:fixed;
    left:18px;
    right:18px;
    top:82px;
    display:none;
    max-height:calc(100vh - 100px);
    overflow:auto;
    padding:18px;
    background:#fff;
    border:1px solid var(--line);
    border-radius:14px;
    box-shadow:var(--shadow-md);
    flex-direction:column;
    align-items:stretch;
    gap:0;
  }
  .primary-nav.open { display:flex; }
  .primary-nav > a,
  .nav-group-toggle {
    width:100%;
    min-height:48px;
    padding:13px 8px;
    border-bottom:1px solid var(--line);
    font-size:.98rem;
    text-align:left;
  }
  .primary-nav > a::after { display:none; }
  .nav-group { display:block; width:100%; }
  .nav-group-toggle { justify-content:space-between; }
  .nav-dropdown {
    position:static;
    display:none;
    min-width:0;
    padding:4px 0 8px 14px;
    border:0;
    border-bottom:1px solid var(--line);
    border-radius:0;
    box-shadow:none;
    opacity:1;
    visibility:visible;
    pointer-events:auto;
    transform:none;
    transition:none;
  }
  .nav-group:hover .nav-dropdown,
  .nav-group:focus-within .nav-dropdown { display:none; transform:none; }
  .nav-group.open .nav-dropdown { display:block; transform:none; }
  .nav-dropdown a { padding:11px 12px; font-size:.94rem; }
  .nav-group.open .nav-group-toggle { border-bottom:0; }
}

@media (max-width:760px) {
  .site-header .shell { width:min(calc(100% - 28px),var(--header-shell)); }
  .trust-signal { font-size:.84rem; }
}


/* V3 core route pages */
.primary-nav a[aria-current="page"]::after { right:0; }
.button-reset { border:0; cursor:pointer; }
.center-action { margin-top:34px; text-align:center; }

.route-index-hero { padding:86px 0 78px; border-bottom:1px solid var(--line); }
.route-index-hero-layout { display:grid; grid-template-columns:1.25fr .75fr; gap:90px; align-items:end; }
.route-index-hero h1 { margin:0; color:var(--navy-950); font-size:clamp(3.7rem,6.6vw,7.4rem); line-height:.91; letter-spacing:-.072em; }
.route-index-intro { padding-left:32px; border-left:4px solid var(--amber-500); }
.route-index-intro p { max-width:600px; margin:0 0 24px; color:var(--muted); font-size:1.12rem; }
.route-index-section { padding:94px 0; border-bottom:1px solid var(--line); }
.route-index-layout { display:grid; grid-template-columns:.72fr 1.28fr; gap:86px; align-items:start; }
.route-index-heading { position:sticky; top:124px; }
.route-index-heading h2,.route-question-section h2,.route-method-section h2 { margin:0; color:var(--navy-950); font-size:clamp(2.25rem,3.7vw,4.1rem); line-height:1; letter-spacing:-.058em; }
.route-index-heading > p:last-child { color:var(--muted); }
.route-ledger { border-top:1px solid var(--line-strong); }
.route-ledger-row { width:100%; display:grid; grid-template-columns:62px 1fr auto; gap:24px; align-items:center; padding:25px 5px; border:0; border-bottom:1px solid var(--line); background:#fff; text-align:left; cursor:pointer; }
.route-ledger-row b { color:var(--amber-600); font-size:.78rem; letter-spacing:.12em; }
.route-ledger-row span { display:block; margin-bottom:4px; color:var(--muted); font-size:.82rem; }
.route-ledger-row h3 { margin:0 0 6px; color:var(--navy-950); font-size:1.42rem; letter-spacing:-.03em; }
.route-ledger-row p { margin:0; color:var(--muted); }
.route-ledger-row em { color:var(--navy-950); font-style:normal; font-weight:800; white-space:nowrap; transition:transform .2s ease,color .2s ease; }
.route-ledger-row:hover em { color:var(--amber-600); transform:translateX(5px); }
.route-ledger-row.featured { box-shadow:inset 4px 0 0 var(--amber-500); padding-left:20px; }
.route-question-section { padding:78px 0; border-bottom:1px solid var(--line); }
.route-question-layout { display:grid; grid-template-columns:1fr 1fr; gap:90px; align-items:center; }
.route-question-copy { padding-left:30px; border-left:4px solid var(--amber-500); }
.route-question-copy p { margin:0 0 26px; color:var(--muted); font-size:1.05rem; }
.route-method-section { padding:94px 0; }
.route-method-track { display:grid; grid-template-columns:repeat(4,1fr); margin-top:42px; border-top:1px solid var(--line-strong); border-left:1px solid var(--line); }
.route-method-track > div { min-height:230px; padding:26px; border-right:1px solid var(--line); border-bottom:1px solid var(--line); }
.route-method-track b { display:block; margin-bottom:40px; color:var(--amber-600); font-size:.78rem; letter-spacing:.12em; }
.route-method-track strong { display:block; margin-bottom:10px; color:var(--navy-950); font-size:1.15rem; }
.route-method-track p { margin:0; color:var(--muted); font-size:.92rem; }

.service-sheet-hero { padding:84px 0 76px; border-bottom:1px solid var(--line); overflow:hidden; }
.service-sheet-hero-layout { display:grid; grid-template-columns:minmax(500px,1.2fr) minmax(360px,.8fr); gap:90px; align-items:end; }
.service-sheet-hero h1 { max-width:950px; margin:0; color:var(--navy-950); font-size:clamp(3.55rem,6.2vw,7rem); line-height:.91; letter-spacing:-.073em; }
.service-sheet-hero .hero-intro { max-width:760px; }
.service-rail { padding-left:30px; border-left:4px solid var(--amber-500); }
.service-rail dl { margin:0; }
.service-rail div { padding:16px 0; border-bottom:1px solid var(--line); }
.service-rail dt { color:var(--navy-950); font-weight:850; }
.service-rail dd { margin:4px 0 0; color:var(--muted); }
.service-situations { padding:92px 0; border-bottom:1px solid var(--line); }
.service-situations-layout { display:grid; grid-template-columns:.8fr 1.2fr; gap:86px; }
.service-situations h2,.bank-view-section h2,.project-bridge-section h2,.document-ledger-section h2,.transfer-review-section h2,.transfer-reasons-section h2,.honest-review-section h2,.case-reconstruction h2,.project-sequence-section h2,.property-help-section h2,.project-enquiry-map h2,.boundary-section h2 { margin:0; color:var(--navy-950); font-size:clamp(2.2rem,3.7vw,4.05rem); line-height:1; letter-spacing:-.058em; }
.situation-ledger { border-top:1px solid var(--line-strong); }
.situation-ledger button { width:100%; display:grid; grid-template-columns:52px 1fr auto; gap:18px; align-items:center; min-height:78px; padding:0 5px; border:0; border-bottom:1px solid var(--line); background:#fff; text-align:left; cursor:pointer; }
.situation-ledger b { color:var(--amber-600); font-size:.78rem; letter-spacing:.1em; }
.situation-ledger span { color:var(--navy-950); font-size:1.05rem; font-weight:800; }
.situation-ledger em { color:var(--muted); font-style:normal; font-weight:750; }
.situation-ledger button:hover em { color:var(--amber-600); }
.bank-view-section { padding:92px 0; border-bottom:1px solid var(--line); }
.bank-view-table { margin-top:42px; border-top:1px solid var(--line-strong); }
.bank-view-table > div { display:grid; grid-template-columns:.65fr 1fr 1fr; gap:28px; padding:22px 18px; border-bottom:1px solid var(--line); }
.bank-view-table .bank-view-head { color:var(--muted); font-size:.78rem; font-weight:900; letter-spacing:.08em; text-transform:uppercase; }
.bank-view-table strong { color:var(--navy-950); }
.bank-view-table p { margin:0; color:var(--muted); }
.project-bridge-section { padding:82px 0; border-bottom:1px solid var(--line); }
.project-bridge-layout { display:grid; grid-template-columns:1fr 1fr; gap:90px; align-items:center; }
.project-bridge-layout > div:last-child { padding-left:30px; border-left:4px solid var(--amber-500); }
.project-bridge-layout p { color:var(--muted); font-size:1.04rem; }
.document-ledger-section { padding:92px 0; }
.document-ledger-layout { display:grid; grid-template-columns:.8fr 1.2fr; gap:86px; }
.document-ledger-layout > div > p:last-child { color:var(--muted); }
.document-ledger { margin:0; padding:0; list-style:none; border-top:1px solid var(--line-strong); }
.document-ledger li { display:grid; grid-template-columns:58px 1fr; gap:16px; padding:23px 5px; border-bottom:1px solid var(--line); }
.document-ledger b { color:var(--amber-600); font-size:.78rem; letter-spacing:.1em; }
.document-ledger strong { display:block; color:var(--navy-950); font-size:1.05rem; }
.document-ledger span { display:block; color:var(--muted); }
.service-cta-strip { padding:58px 0; background:var(--navy-800); color:#fff; }
.service-cta-layout { display:flex; align-items:center; justify-content:space-between; gap:50px; }
.service-cta-layout h2 { max-width:900px; margin:0; color:#fff; font-size:clamp(1.9rem,3vw,3.2rem); line-height:1.08; letter-spacing:-.045em; }

.transfer-review-section { padding:92px 0; border-bottom:1px solid var(--line); }
.transfer-review-layout { display:grid; grid-template-columns:.75fr 1.25fr; gap:84px; align-items:start; }
.transfer-review-copy > p { color:var(--muted); }
.transfer-review-copy ul { padding-left:20px; color:var(--muted); }
.transfer-calculator { border:1px solid var(--line-strong); border-radius:var(--radius-md); overflow:hidden; box-shadow:var(--shadow-sm); }
.calc-fields { display:grid; grid-template-columns:1fr 1fr; gap:16px; padding:30px; }
.calc-fields label { display:grid; gap:7px; }
.calc-fields label span { color:var(--navy-950); font-size:.86rem; font-weight:800; }
.calc-fields input { width:100%; padding:12px 13px; border:1px solid #cbd8e2; border-radius:8px; color:var(--navy-950); }
.calc-fields button { grid-column:1/-1; }
.calc-results { border-top:1px solid var(--line); background:#fff; }
.calc-verdict {
  padding:25px 28px 25px 32px;
  border-bottom:1px solid var(--line);
  box-shadow:inset 5px 0 0 var(--amber-500);
}
.calc-verdict-label {
  display:block;
  margin-bottom:7px;
  color:var(--amber-600);
  font-size:.78rem;
  font-weight:900;
  letter-spacing:.11em;
  text-transform:uppercase;
}
.calc-verdict strong {
  display:block;
  color:var(--navy-950);
  font-size:1.55rem;
  line-height:1.15;
}
.calc-verdict p {
  max-width:780px;
  margin:10px 0 0;
  color:var(--muted);
  font-size:.95rem;
}
.calc-verdict[data-result="caution"] { box-shadow:inset 5px 0 0 var(--navy-800); }
.calc-primary-grid { display:grid; grid-template-columns:repeat(2,1fr); }
.calc-primary-grid > div {
  min-height:118px;
  padding:22px 25px;
  border-right:1px solid var(--line);
  border-bottom:1px solid var(--line);
}
.calc-primary-grid > div:nth-child(even) { border-right:0; }
.calc-primary-grid span,
.calc-detail-grid span { display:block; color:var(--muted); font-size:.82rem; }
.calc-primary-grid strong { display:block; margin-top:7px; color:var(--navy-950); font-size:1.45rem; }
.calc-primary-grid .calc-emphasis { box-shadow:inset 4px 0 0 var(--amber-500); }
.calc-details { border-bottom:1px solid var(--line); }
.calc-details summary {
  padding:17px 25px;
  color:var(--navy-950);
  font-size:.88rem;
  font-weight:850;
  cursor:pointer;
}
.calc-detail-grid {
  display:grid;
  grid-template-columns:repeat(3,1fr);
  border-top:1px solid var(--line);
}
.calc-detail-grid > div { padding:19px 25px; border-right:1px solid var(--line); }
.calc-detail-grid > div:last-child { border-right:0; }
.calc-detail-grid strong { display:block; margin-top:6px; color:var(--navy-950); font-size:1.05rem; }
.calc-disclaimer { margin:0; padding:16px 25px; color:var(--muted); font-size:.8rem; }
.transfer-reasons-section { padding:92px 0; border-bottom:1px solid var(--line); }
.transfer-reasons-layout { display:grid; grid-template-columns:.75fr 1.25fr; gap:84px; }
.transfer-reason-lines { border-top:1px solid var(--line-strong); }
.transfer-reason-lines > div { display:grid; grid-template-columns:55px .8fr 1.2fr; gap:20px; padding:24px 5px; border-bottom:1px solid var(--line); }
.transfer-reason-lines b { color:var(--amber-600); font-size:.78rem; }
.transfer-reason-lines strong { color:var(--navy-950); }
.transfer-reason-lines p { margin:0; color:var(--muted); }
.honest-review-section { padding:82px 0; }
.honest-review-layout { display:grid; grid-template-columns:1fr 1fr; gap:90px; align-items:center; }
.honest-review-list { padding-left:30px; border-left:4px solid var(--amber-500); }
.honest-review-list p { margin:0 0 26px; color:var(--muted); font-size:1.05rem; }

.case-reconstruction { padding:92px 0; border-bottom:1px solid var(--line); }
.case-reconstruction-layout { display:grid; grid-template-columns:1fr 1fr; gap:90px; }
.case-reconstruction-story { padding-left:30px; border-left:4px solid var(--amber-500); }
.case-reconstruction-story p { margin-top:0; color:var(--muted); font-size:1.05rem; }
.case-reconstruction-story strong { display:block; color:var(--navy-950); font-size:1.25rem; }
.project-sequence-section { padding:92px 0; border-bottom:1px solid var(--line); }
.project-sequence { display:grid; grid-template-columns:1fr auto 1fr auto 1fr; gap:22px; align-items:center; margin-top:42px; }
.project-sequence > div { min-height:220px; padding:28px; border:1px solid var(--line); }
.project-sequence > span { color:var(--amber-600); font-size:1.65rem; }
.project-sequence b { display:block; margin-bottom:44px; color:var(--amber-600); font-size:.78rem; }
.project-sequence strong { display:block; color:var(--navy-950); font-size:1.18rem; }
.project-sequence p { color:var(--muted); }
.property-help-section { padding:92px 0; border-bottom:1px solid var(--line); }
.property-help-layout { display:grid; grid-template-columns:.75fr 1.25fr; gap:84px; }
.property-help-lines { border-top:1px solid var(--line-strong); }
.property-help-lines > div { display:grid; grid-template-columns:.8fr 1.2fr; gap:28px; padding:24px 5px; border-bottom:1px solid var(--line); }
.property-help-lines strong { color:var(--navy-950); }
.property-help-lines p { margin:0; color:var(--muted); }
.project-enquiry-map { padding:92px 0; border-bottom:1px solid var(--line); }
.project-enquiry-layout { display:grid; grid-template-columns:.75fr 1.25fr; gap:84px; }
.project-enquiry-map ol { display:grid; grid-template-columns:1fr 1fr; margin:0; padding:0; list-style:none; border-top:1px solid var(--line-strong); border-left:1px solid var(--line); }
.project-enquiry-map li { min-height:105px; padding:22px; border-right:1px solid var(--line); border-bottom:1px solid var(--line); }
.project-enquiry-map b { display:block; margin-bottom:11px; color:var(--amber-600); font-size:.75rem; }
.project-enquiry-map span { color:var(--navy-950); font-weight:800; }
.boundary-section { padding:82px 0; }
.boundary-layout { display:grid; grid-template-columns:1fr 1fr; gap:90px; align-items:center; }
.boundary-layout > p { padding-left:30px; border-left:4px solid var(--amber-500); color:var(--muted); font-size:1.05rem; }

@media (max-width:1050px) {
  .route-index-hero-layout,.route-index-layout,.route-question-layout,.service-sheet-hero-layout,.service-situations-layout,.project-bridge-layout,.document-ledger-layout,.transfer-review-layout,.transfer-reasons-layout,.honest-review-layout,.case-reconstruction-layout,.property-help-layout,.project-enquiry-layout,.boundary-layout { grid-template-columns:1fr; gap:44px; }
  .route-index-heading { position:static; }
  .route-method-track { grid-template-columns:1fr 1fr; }
  .service-cta-layout { align-items:flex-start; flex-direction:column; }
  .project-sequence { grid-template-columns:1fr; }
  .project-sequence > span { transform:rotate(90deg); justify-self:center; }
}

@media (max-width:760px) {
  .route-index-hero,.service-sheet-hero { padding:56px 0; }
  .route-index-hero h1,.service-sheet-hero h1 { font-size:3.55rem; }
  .route-index-intro,.service-rail,.route-question-copy,.project-bridge-layout > div:last-child,.honest-review-list,.case-reconstruction-story,.boundary-layout > p { padding-left:20px; }
  .route-index-section,.route-method-section,.service-situations,.bank-view-section,.document-ledger-section,.transfer-review-section,.transfer-reasons-section,.case-reconstruction,.project-sequence-section,.property-help-section,.project-enquiry-map { padding:66px 0; }
  .route-ledger-row { grid-template-columns:38px 1fr; gap:12px; }
  .route-ledger-row em { grid-column:2; }
  .route-method-track { grid-template-columns:1fr; }
  .route-method-track > div { min-height:0; }
  .bank-view-table .bank-view-head { display:none; }
  .bank-view-table > div { grid-template-columns:1fr; gap:8px; padding:20px 5px; }
  .calc-fields,.calc-primary-grid,.calc-detail-grid { grid-template-columns:1fr; }
  .calc-primary-grid > div,
  .calc-detail-grid > div { border-right:0; }
  .calc-verdict { padding:22px 22px 22px 27px; }
  .transfer-reason-lines > div,.property-help-lines > div { grid-template-columns:40px 1fr; gap:12px; }
  .transfer-reason-lines p { grid-column:2; }
  .property-help-lines > div { grid-template-columns:1fr; }
  .project-enquiry-map ol { grid-template-columns:1fr; }
  .service-cta-strip { padding-bottom:90px; }
}

/* V3.2 loan transfer calculator: annual-interest and full-cost comparison */
.calc-comparison-heading {
  display:flex;
  align-items:flex-end;
  justify-content:space-between;
  gap:28px;
  padding:28px 30px 22px;
  border-bottom:1px solid var(--line);
}
.calc-comparison-heading h3 {
  margin:4px 0 0;
  color:var(--navy-950);
  font-size:clamp(1.35rem,2vw,1.85rem);
  line-height:1.12;
  letter-spacing:-.035em;
}
.calc-comparison-heading > p {
  max-width:360px;
  margin:0;
  color:var(--muted);
  font-size:.86rem;
  text-align:right;
}
.calc-comparison-grid {
  display:grid;
  grid-template-columns:1fr 1fr;
  border-bottom:1px solid var(--line);
}
.calc-option { min-width:0; }
.calc-option + .calc-option { border-left:1px solid var(--line-strong); }
.calc-option-head {
  min-height:92px;
  padding:20px 25px;
  border-bottom:1px solid var(--line);
}
.calc-option-head span {
  display:block;
  color:var(--muted);
  font-size:.8rem;
  font-weight:750;
}
.calc-option-head strong {
  display:block;
  margin-top:4px;
  color:var(--navy-950);
  font-size:1.35rem;
  letter-spacing:-.025em;
}
.calc-option-transfer .calc-option-head { box-shadow:inset 5px 0 0 var(--amber-500); }
.calc-option dl { margin:0; }
.calc-option dl > div {
  position:relative;
  min-height:112px;
  padding:20px 25px;
  border-bottom:1px solid var(--line);
}
.calc-option dl > div:last-child { border-bottom:0; }
.calc-option dt {
  color:var(--muted);
  font-size:.82rem;
  line-height:1.35;
}
.calc-option dd {
  margin:7px 0 0;
  color:var(--navy-950);
  font-size:1.45rem;
  font-weight:900;
  line-height:1.1;
  letter-spacing:-.035em;
}
.calc-option small {
  display:block;
  margin-top:7px;
  color:var(--muted);
  font-size:.72rem;
  line-height:1.35;
}
.calc-option .calc-total-row { min-height:145px; }
.calc-option .calc-total-row dd { font-size:1.7rem; }
.calc-option .calc-secondary-row {
  min-height:auto;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:20px;
  padding-top:16px;
  padding-bottom:16px;
}
.calc-option .calc-secondary-row dd {
  flex:0 0 auto;
  margin:0;
  font-size:1rem;
}
.calc-saving-summary {
  display:grid;
  grid-template-columns:1.05fr .95fr;
  border-bottom:1px solid var(--line);
  box-shadow:inset 5px 0 0 var(--amber-500);
}
.calc-saving-summary[data-result="caution"] { box-shadow:inset 5px 0 0 var(--navy-800); }
.calc-saving-main { padding:28px 30px; }
.calc-saving-main > span {
  display:block;
  color:var(--amber-600);
  font-size:.82rem;
  font-weight:900;
  letter-spacing:.08em;
  text-transform:uppercase;
}
.calc-saving-main > strong {
  display:block;
  margin-top:7px;
  color:var(--navy-950);
  font-size:clamp(2.25rem,4.2vw,3.65rem);
  line-height:1;
  letter-spacing:-.06em;
}
.calc-saving-main > p {
  margin:12px 0 0;
  color:var(--muted);
  font-size:.9rem;
  line-height:1.55;
}
.calc-saving-support {
  display:grid;
  border-left:1px solid var(--line);
}
.calc-saving-support > div {
  display:grid;
  grid-template-columns:1fr auto;
  gap:16px;
  align-items:center;
  padding:16px 24px;
  border-bottom:1px solid var(--line);
}
.calc-saving-support > div:last-child { border-bottom:0; }
.calc-saving-support span {
  color:var(--muted);
  font-size:.78rem;
  line-height:1.35;
}
.calc-saving-support strong {
  color:var(--navy-950);
  font-size:1rem;
  white-space:nowrap;
}
.calc-table-wrap {
  max-height:430px;
  overflow:auto;
  border-top:1px solid var(--line);
}
.calc-annual-table {
  width:100%;
  border-collapse:collapse;
  color:var(--navy-950);
  font-size:.84rem;
}
.calc-annual-table th,
.calc-annual-table td {
  padding:14px 18px;
  border-bottom:1px solid var(--line);
  text-align:right;
  vertical-align:middle;
}
.calc-annual-table thead th {
  position:sticky;
  top:0;
  z-index:1;
  background:#fff;
  color:var(--muted);
  font-size:.72rem;
  font-weight:900;
  letter-spacing:.05em;
  text-transform:uppercase;
}
.calc-annual-table th:first-child,
.calc-annual-table td:first-child { text-align:left; }
.calc-annual-table tbody th { font-weight:800; }
.calc-annual-table tbody th strong { display:block; }
.calc-annual-table tbody th small {
  display:block;
  margin-top:2px;
  color:var(--muted);
  font-size:.68rem;
  font-weight:600;
}
.calc-annual-table .is-saving { color:#16734a; font-weight:850; }
.calc-annual-table .is-higher { color:#9b3f28; font-weight:850; }
.calc-method-details .calc-detail-grid span { display:block; color:var(--muted); font-size:.82rem; }

@media (max-width:760px) {
  .calc-comparison-heading { align-items:flex-start; flex-direction:column; padding:24px 22px 18px; }
  .calc-comparison-heading > p { max-width:none; text-align:left; }
  .calc-comparison-grid { grid-template-columns:1fr; }
  .calc-option + .calc-option { border-left:0; border-top:8px solid #fff; }
  .calc-option-head,.calc-option dl > div { padding-left:22px; padding-right:22px; }
  .calc-saving-summary { grid-template-columns:1fr; }
  .calc-saving-support { border-top:1px solid var(--line); border-left:0; }
  .calc-saving-main { padding:26px 22px; }
  .calc-saving-support > div { padding-left:22px; padding-right:22px; }
  .calc-annual-table thead { display:none; }
  .calc-annual-table,
  .calc-annual-table tbody,
  .calc-annual-table tr,
  .calc-annual-table th,
  .calc-annual-table td { display:block; width:100%; }
  .calc-annual-table tr { padding:15px 20px; border-bottom:1px solid var(--line); }
  .calc-annual-table th,
  .calc-annual-table td { display:flex; align-items:baseline; justify-content:space-between; gap:16px; padding:5px 0; border:0; text-align:right; }
  .calc-annual-table th:first-child { display:block; padding-bottom:9px; text-align:left; }
  .calc-annual-table td::before {
    content:attr(data-label);
    flex:1;
    color:var(--muted);
    font-size:.72rem;
    font-weight:650;
    text-align:left;
  }
}

/* V4 approved Business & MSME hero */
.business-page-hero { padding:68px 0 72px; }
.business-page-hero-layout {
  grid-template-columns:minmax(520px,.98fr) minmax(560px,1.02fr);
  gap:54px;
  align-items:start;
}
.business-hero-primary,
.business-funding-review { min-width:0; }
.business-page-hero .kicker {
  margin:0 0 28px;
  font-size:.95rem;
  line-height:1.2;
}
.business-page-hero h1 {
  max-width:760px;
  font-size:clamp(4rem,5.85vw,6.75rem);
  line-height:.92;
}
.business-page-hero .hero-intro {
  max-width:735px;
  margin:30px 0 30px;
  font-size:1.03rem;
  line-height:1.75;
}
.business-hero-trust {
  display:flex;
  align-items:center;
  gap:0;
  margin-top:44px;
}
.business-hero-trust > div {
  min-width:0;
  display:flex;
  align-items:center;
  gap:13px;
  padding:0 26px;
  border-right:1px solid var(--line-strong);
  color:var(--navy-950);
  font-size:.86rem;
  line-height:1.25;
}
.business-hero-trust > div:first-child { padding-left:0; }
.business-hero-trust > div:last-child { padding-right:0; border-right:0; }
.business-hero-trust svg {
  flex:0 0 36px;
  width:36px;
  fill:none;
  stroke:var(--navy-800);
  stroke-width:1.8;
  stroke-linecap:round;
  stroke-linejoin:round;
}
.business-hero-trust span { display:grid; gap:3px; }
.business-hero-trust strong { font-weight:850; }
.business-funding-review {
  padding:0 0 0 42px;
  border-left:2px solid var(--amber-500);
}
.business-funding-review h2 {
  max-width:650px;
  margin:0;
  color:var(--navy-950);
  font-size:clamp(2rem,2.8vw,3rem);
  line-height:1.05;
  letter-spacing:-.045em;
}
.business-review-intro {
  margin:17px 0 10px;
  color:var(--ink);
  font-size:1rem;
}
.business-review-points { margin-top:5px; }
.business-review-points article {
  display:grid;
  grid-template-columns:50px 68px minmax(0,1fr);
  gap:18px;
  align-items:center;
  padding:18px 0;
  border-bottom:1px solid var(--line-strong);
}
.business-review-points b {
  color:var(--amber-600);
  font-size:1.9rem;
  line-height:1;
  letter-spacing:-.04em;
}
.business-review-icon {
  width:62px;
  height:62px;
  display:grid;
  place-items:center;
  border-radius:50%;
  background:#fff3df;
}
.business-review-icon svg {
  width:38px;
  fill:none;
  stroke:var(--navy-800);
  stroke-width:1.8;
  stroke-linecap:round;
  stroke-linejoin:round;
}
.business-review-points h3 {
  margin:0 0 6px;
  color:var(--navy-950);
  font-size:1.18rem;
}
.business-review-points p {
  margin:0;
  color:var(--muted);
  font-size:.91rem;
  line-height:1.55;
}
.business-review-close {
  display:grid;
  grid-template-columns:38px 1fr;
  gap:15px;
  align-items:center;
  padding:21px 0 10px;
}
.business-review-close span {
  width:34px;
  height:34px;
  display:grid;
  place-items:center;
  border:2px solid var(--amber-500);
  border-radius:50%;
  color:var(--amber-600);
  font-weight:900;
}
.business-review-close p {
  margin:0;
  color:var(--navy-950);
  font-size:.92rem;
}
.business-review-link {
  display:inline-flex;
  gap:14px;
  padding:8px 0;
  border-bottom:2px solid var(--amber-500);
  color:var(--navy-950);
  font-size:.94rem;
  font-weight:900;
}

/* V4 dedicated document-readiness route */
.nav-group-active > .nav-group-toggle::after {
  content:"";
  position:absolute;
  left:0;
  right:0;
  bottom:-10px;
  height:2px;
  background:var(--amber-500);
}
.document-page-hero {
  padding:78px 0 76px;
  border-bottom:1px solid var(--line);
}
.document-page-hero-layout {
  display:grid;
  grid-template-columns:minmax(520px,1fr) minmax(500px,.92fr);
  gap:82px;
  align-items:start;
}
.document-page-hero .kicker,
.document-hero-review .kicker { margin:0 0 27px; }
.document-page-hero h1 {
  max-width:820px;
  margin:0;
  color:var(--navy-950);
  font-size:clamp(4rem,6vw,7rem);
  line-height:.91;
  letter-spacing:-.07em;
}
.document-page-hero .hero-intro {
  max-width:730px;
  margin:28px 0 30px;
  font-size:1.04rem;
  line-height:1.72;
}
.document-hero-review {
  padding-left:38px;
  border-left:3px solid var(--amber-500);
}
.document-hero-review h2 {
  max-width:620px;
  margin:0 0 25px;
  color:var(--navy-950);
  font-size:clamp(2rem,2.8vw,3rem);
  line-height:1.06;
  letter-spacing:-.045em;
}
.document-hero-points { border-top:1px solid var(--line-strong); }
.document-hero-points > div {
  display:grid;
  grid-template-columns:46px 1fr;
  gap:17px;
  padding:19px 0;
  border-bottom:1px solid var(--line);
}
.document-hero-points b {
  color:var(--amber-600);
  font-size:.82rem;
  letter-spacing:.1em;
}
.document-hero-points p { display:grid; gap:5px; margin:0; }
.document-hero-points strong { color:var(--navy-950); font-size:1.05rem; }
.document-hero-points span { color:var(--muted); font-size:.91rem; line-height:1.5; }
.document-planner-section {
  padding:94px 0;
  border-bottom:1px solid var(--line);
}
.document-planner-layout {
  display:grid;
  grid-template-columns:minmax(300px,.68fr) minmax(680px,1.32fr);
  gap:86px;
  align-items:start;
}
.document-planner-intro {
  position:sticky;
  top:126px;
}
.document-planner-intro h2,
.document-quality-layout h2,
.document-boundary-layout h2 {
  margin:0;
  color:var(--navy-950);
  font-size:clamp(2.3rem,3.7vw,4.15rem);
  line-height:1.01;
  letter-spacing:-.058em;
}
.document-planner-intro > p:not(.micro-label) {
  max-width:530px;
  color:var(--muted);
  font-size:1.03rem;
}
.document-privacy-note {
  display:grid;
  grid-template-columns:42px 1fr;
  gap:15px;
  margin-top:34px;
  padding:21px 0;
  border-top:1px solid var(--line);
  border-bottom:1px solid var(--line);
}
.document-privacy-note svg {
  width:36px;
  fill:none;
  stroke:var(--amber-600);
  stroke-width:1.7;
  stroke-linecap:round;
  stroke-linejoin:round;
}
.document-privacy-note p { margin:0; color:var(--muted); font-size:.86rem; }
.document-privacy-note strong { color:var(--navy-950); }
.document-planner {
  border-top:1px solid var(--line-strong);
}
.document-planner-step {
  padding:26px 0 31px;
  border-bottom:1px solid var(--line);
}
.document-step-heading {
  display:grid;
  grid-template-columns:48px 1fr;
  gap:16px;
  align-items:start;
  margin-bottom:19px;
}
.document-step-heading > span {
  color:var(--amber-600);
  font-size:.77rem;
  font-weight:850;
  letter-spacing:.1em;
}
.document-step-heading p { margin:0 0 4px; color:var(--muted); font-size:.75rem; font-weight:800; text-transform:uppercase; letter-spacing:.1em; }
.document-step-heading h3 { margin:0; color:var(--navy-950); font-size:1.35rem; }
.document-choice-grid {
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:10px;
  padding-left:64px;
}
.document-route-grid { grid-template-columns:repeat(3,1fr); }
.document-choice-grid button {
  min-height:53px;
  padding:12px 14px;
  border:1px solid var(--line-strong);
  border-radius:7px;
  background:#fff;
  color:var(--navy-950);
  font-size:.86rem;
  font-weight:800;
  text-align:left;
  cursor:pointer;
  transition:border-color .18s ease,box-shadow .18s ease,background .18s ease;
}
.document-choice-grid button:hover,
.document-choice-grid button.selected {
  border-color:var(--amber-500);
  background:#fffaf2;
  box-shadow:inset 4px 0 0 var(--amber-500);
}
.document-planner-prompt {
  display:flex;
  align-items:center;
  gap:14px;
  padding:24px 0 24px 64px;
  color:var(--muted);
}
.document-planner-prompt span { color:var(--amber-600); font-size:1.35rem; }
.document-planner-prompt p { margin:0; }
.document-checklist { padding-top:29px; }
.document-checklist-heading {
  display:flex;
  align-items:flex-start;
  justify-content:space-between;
  gap:26px;
  margin-bottom:18px;
}
.document-checklist-heading h3 { margin:3px 0 0; color:var(--navy-950); font-size:1.75rem; }
.document-reset {
  padding:8px 0;
  border:0;
  border-bottom:1px solid var(--amber-500);
  background:transparent;
  color:var(--navy-950);
  font-weight:800;
  cursor:pointer;
}
.document-checklist-legend {
  display:flex;
  flex-wrap:wrap;
  gap:18px;
  margin-bottom:20px;
  color:var(--muted);
  font-size:.76rem;
}
.document-checklist-legend span { display:flex; align-items:center; gap:7px; }
.document-checklist-legend i { width:9px; height:9px; border-radius:50%; }
.document-checklist-legend .ready { background:#1f9d69; }
.document-checklist-legend .missing { background:var(--amber-600); }
.document-checklist-legend .unsure { background:#7f91a2; }
.document-group { margin-bottom:23px; border-top:1px solid var(--line-strong); }
.document-group-title {
  display:flex;
  justify-content:space-between;
  gap:20px;
  padding:13px 2px;
  color:var(--navy-950);
  font-size:.85rem;
  font-weight:900;
  text-transform:uppercase;
  letter-spacing:.08em;
}
.document-group-title span { color:var(--muted); font-size:.7rem; font-weight:700; letter-spacing:0; text-transform:none; }
.document-item {
  display:grid;
  grid-template-columns:minmax(0,1fr) auto;
  gap:22px;
  align-items:center;
  padding:18px 3px;
  border-top:1px solid var(--line);
}
.document-item h4 { margin:0 0 5px; color:var(--navy-950); font-size:1rem; }
.document-item p { margin:0; color:var(--muted); font-size:.8rem; line-height:1.45; }
.document-item-actions {
  display:flex;
  gap:5px;
  padding:4px;
  border:1px solid var(--line);
  border-radius:7px;
}
.document-item-actions button {
  padding:8px 10px;
  border:0;
  border-radius:5px;
  background:#fff;
  color:var(--muted);
  font-size:.72rem;
  font-weight:800;
  white-space:nowrap;
  cursor:pointer;
}
.document-item-actions button:hover { color:var(--navy-950); }
.document-item-actions button.active[data-doc-status="ready"] { background:#e8f6ef; color:#16734d; }
.document-item-actions button.active[data-doc-status="missing"] { background:#fff1dc; color:#9a5b00; }
.document-item-actions button.active[data-doc-status="unsure"] { background:#edf1f4; color:#43586b; }
.document-summary {
  margin-top:30px;
  padding:27px;
  border:1px solid var(--line-strong);
  box-shadow:inset 5px 0 0 var(--amber-500);
}
.document-summary-meter { height:7px; overflow:hidden; background:#edf2f5; border-radius:10px; }
.document-summary-meter span { display:block; width:0; height:100%; background:linear-gradient(90deg,var(--amber-500),#f1a52d); transition:width .25s ease; }
.document-summary-numbers {
  display:grid;
  grid-template-columns:repeat(4,1fr);
  margin:22px 0;
}
.document-summary-numbers div { padding:0 18px; border-right:1px solid var(--line); }
.document-summary-numbers div:first-child { padding-left:0; }
.document-summary-numbers div:last-child { padding-right:0; border-right:0; }
.document-summary-numbers strong { display:block; color:var(--navy-950); font-size:1.55rem; }
.document-summary-numbers span { color:var(--muted); font-size:.72rem; }
.document-summary > p { margin:0 0 20px; color:var(--muted); }
.document-enquiry-link { min-width:250px; }
.document-quality-section { padding:92px 0; border-bottom:1px solid var(--line); }
.document-quality-layout {
  display:grid;
  grid-template-columns:.78fr 1.22fr;
  gap:84px;
  align-items:start;
}
.document-quality-lines { border-top:1px solid var(--line-strong); }
.document-quality-lines > div {
  display:grid;
  grid-template-columns:52px .75fr 1.25fr;
  gap:22px;
  padding:24px 4px;
  border-bottom:1px solid var(--line);
}
.document-quality-lines b { color:var(--amber-600); font-size:.78rem; letter-spacing:.1em; }
.document-quality-lines strong { color:var(--navy-950); }
.document-quality-lines p { margin:0; color:var(--muted); }
.document-boundary-section { padding:82px 0; }
.document-boundary-layout {
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:90px;
  align-items:center;
}
.document-boundary-layout > div:last-child {
  padding-left:30px;
  border-left:4px solid var(--amber-500);
}
.document-boundary-layout p { margin-top:0; color:var(--muted); font-size:1.04rem; }

@media (max-width:1180px) {
  .business-page-hero-layout,
  .document-page-hero-layout { grid-template-columns:1fr 1fr; gap:42px; }
  .business-hero-trust > div { padding-inline:17px; }
  .business-review-points article { grid-template-columns:42px 56px 1fr; gap:13px; }
  .business-review-icon { width:52px; height:52px; }
  .document-planner-layout { grid-template-columns:.72fr 1.28fr; gap:54px; }
  .document-route-grid { grid-template-columns:repeat(2,1fr); }
}

@media (max-width:1050px) {
  .business-page-hero-layout,
  .document-page-hero-layout,
  .document-planner-layout,
  .document-quality-layout,
  .document-boundary-layout { grid-template-columns:1fr; gap:44px; }
  .business-funding-review,
  .document-hero-review { padding:34px 0 0; border-left:0; border-top:2px solid var(--amber-500); }
  .document-planner-intro { position:static; }
  .document-choice-grid { padding-left:0; }
  .document-planner-prompt { padding-left:0; }
}

@media (max-width:760px) {
  .business-page-hero,
  .document-page-hero { padding:54px 0 58px; }
  .business-page-hero .kicker,
  .document-page-hero .kicker,
  .document-hero-review .kicker { margin-bottom:18px; }
  .business-page-hero h1,
  .document-page-hero h1 { font-size:3.55rem; }
  .business-hero-trust { flex-wrap:wrap; gap:18px 0; margin-top:34px; }
  .business-hero-trust > div { width:50%; padding:0 12px; border-right:0; }
  .business-hero-trust > div:first-child { padding-left:0; }
  .business-funding-review { padding-top:28px; }
  .business-funding-review h2,
  .document-hero-review h2 { font-size:2.1rem; }
  .business-review-points article { grid-template-columns:38px 50px 1fr; padding:16px 0; }
  .business-review-points b { font-size:1.5rem; }
  .business-review-icon { width:47px; height:47px; }
  .business-review-icon svg { width:30px; }
  .document-planner-section,
  .document-quality-section { padding:66px 0; }
  .document-choice-grid,
  .document-route-grid { grid-template-columns:1fr; }
  .document-step-heading { grid-template-columns:38px 1fr; }
  .document-item { grid-template-columns:1fr; gap:13px; }
  .document-item-actions { display:grid; grid-template-columns:repeat(3,1fr); }
  .document-item-actions button { white-space:normal; }
  .document-summary { padding:22px; }
  .document-summary-numbers { grid-template-columns:1fr 1fr; gap:18px 0; }
  .document-summary-numbers div:nth-child(2) { border-right:0; }
  .document-summary-numbers div:nth-child(3) { padding-left:0; }
  .document-quality-lines > div { grid-template-columns:38px 1fr; gap:12px; }
  .document-quality-lines p { grid-column:2; }
  .document-boundary-section { padding:66px 0 92px; }
  .document-boundary-layout > div:last-child { padding-left:20px; }
}
.document-planner-prompt[hidden],
.document-checklist[hidden] { display:none !important; }


/* V5 calculator alignment refinement */
.calc-option .calc-secondary-row,
.calc-saving-support > div {
  display:grid;
  grid-template-columns:minmax(0,1fr) minmax(150px,180px);
  align-items:center;
  column-gap:18px;
}
.calc-option .calc-secondary-row dd,
.calc-saving-support > div strong {
  width:100%;
  justify-self:end;
  text-align:right;
}

/* V5 LoanLala Library */
.nav-group.current > .nav-group-toggle::after {
  content:"";
  position:absolute;
  left:0;
  right:0;
  bottom:-8px;
  height:2px;
  background:var(--amber-500);
}
.library-hero { padding:86px 0 76px; border-bottom:1px solid var(--line); }
.library-hero-layout { display:grid; grid-template-columns:1.18fr .82fr; gap:92px; align-items:end; }
.library-hero h1 { max-width:930px; margin:0; color:var(--navy-950); font-size:clamp(4rem,6.6vw,7.25rem); line-height:.91; letter-spacing:-.072em; }
.library-hero-intro { padding:8px 0 8px 30px; border-left:4px solid var(--amber-500); }
.library-hero-intro p { margin:0; color:var(--muted); font-size:1.08rem; line-height:1.7; }
.library-hero-intro strong { display:block; margin:22px 0 8px; color:var(--navy-950); font-size:1rem; }
.library-hero-intro ol { margin:0; padding:0; list-style:none; counter-reset:library-use; }
.library-hero-intro li { counter-increment:library-use; display:grid; grid-template-columns:30px 1fr; gap:10px; padding:9px 0; color:var(--muted); border-bottom:1px solid var(--line); }
.library-hero-intro li::before { content:"0" counter(library-use); color:var(--amber-600); font-size:.72rem; font-weight:900; letter-spacing:.08em; }

.library-feature { padding:82px 0; border-bottom:1px solid var(--line); }
.library-feature-grid { display:grid; grid-template-columns:.72fr 1.28fr; gap:82px; align-items:start; }
.library-feature-label { position:sticky; top:125px; }
.library-feature-label h2 { margin:0; color:var(--navy-950); font-size:clamp(2.2rem,3.8vw,4.2rem); line-height:1; letter-spacing:-.058em; }
.library-feature-label p:last-child { max-width:470px; color:var(--muted); }
.feature-guide { padding:12px 0 30px 34px; border-left:4px solid var(--amber-500); }
.feature-guide .guide-topic { color:var(--amber-600); font-size:.78rem; font-weight:900; letter-spacing:.1em; text-transform:uppercase; }
.feature-guide h3 { max-width:850px; margin:12px 0 18px; color:var(--navy-950); font-size:clamp(2.45rem,4.7vw,5.1rem); line-height:.96; letter-spacing:-.06em; }
.feature-guide > p { max-width:760px; color:var(--muted); font-size:1.06rem; line-height:1.7; }
.guide-meta { display:flex; flex-wrap:wrap; gap:18px; margin:24px 0 28px; color:var(--muted); font-size:.82rem; font-weight:700; }
.guide-text-link { display:inline-flex; align-items:center; gap:12px; color:var(--navy-950); font-weight:900; }
.guide-text-link b { color:var(--amber-600); font-size:1.25rem; transition:transform .2s ease; }
.guide-text-link:hover b { transform:translateX(5px); }

.library-index { padding:90px 0; border-bottom:1px solid var(--line); }
.library-index-head { display:grid; grid-template-columns:.75fr 1.25fr; gap:82px; align-items:end; margin-bottom:38px; }
.library-index-head h2 { margin:0; color:var(--navy-950); font-size:clamp(2.3rem,4vw,4.35rem); line-height:1; letter-spacing:-.058em; }
.library-index-head > p { max-width:760px; margin:0; color:var(--muted); font-size:1.04rem; }
.library-filters { display:flex; flex-wrap:wrap; gap:9px; margin:0 0 26px; }
.library-filter { min-height:42px; padding:0 15px; border:1px solid var(--line-strong); border-radius:999px; background:#fff; color:var(--navy-950); font-size:.86rem; font-weight:800; cursor:pointer; }
.library-filter:hover,.library-filter.active { border-color:var(--amber-500); background:var(--amber-100); }
.library-ledger { border-top:1px solid var(--line-strong); }
.library-row { display:grid; grid-template-columns:62px minmax(0,1fr) 185px 85px; gap:24px; align-items:center; padding:26px 5px; border-bottom:1px solid var(--line); }
.library-row[hidden] { display:none; }
.library-row > b { color:var(--amber-600); font-size:.76rem; letter-spacing:.1em; }
.library-row h3 { margin:0 0 7px; color:var(--navy-950); font-size:1.42rem; line-height:1.2; letter-spacing:-.03em; }
.library-row p { margin:0; color:var(--muted); font-size:.92rem; }
.library-row .library-topic { color:var(--muted); font-size:.79rem; font-weight:750; }
.library-row a { justify-self:end; color:var(--navy-950); font-weight:900; white-space:nowrap; }
.library-row a span { color:var(--amber-600); margin-left:7px; }
.library-row:hover h3 { color:var(--navy-700); }

.library-principles { padding:78px 0; }
.library-principles-layout { display:grid; grid-template-columns:.78fr 1.22fr; gap:82px; align-items:start; }
.library-principles h2 { margin:0; color:var(--navy-950); font-size:clamp(2.25rem,3.7vw,4rem); line-height:1; letter-spacing:-.058em; }
.library-principle-lines { border-top:1px solid var(--line-strong); }
.library-principle-lines > div { display:grid; grid-template-columns:55px .7fr 1.3fr; gap:18px; padding:22px 5px; border-bottom:1px solid var(--line); }
.library-principle-lines b { color:var(--amber-600); font-size:.76rem; }
.library-principle-lines strong { color:var(--navy-950); }
.library-principle-lines p { margin:0; color:var(--muted); }
.library-entry-link { display:flex; justify-content:space-between; align-items:center; gap:24px; padding:0 0 22px; border-bottom:1px solid var(--line-strong); }
.library-entry-link span { max-width:620px; color:var(--muted); }
.library-entry-link a { color:var(--navy-950); font-weight:900; white-space:nowrap; }
.library-entry-link b { color:var(--amber-600); margin-left:8px; }

/* Article pages */
.article-hero { padding:72px 0 68px; border-bottom:1px solid var(--line); }
.article-breadcrumb { display:flex; flex-wrap:wrap; gap:8px; margin-bottom:28px; color:var(--muted); font-size:.82rem; font-weight:700; }
.article-breadcrumb a:hover { color:var(--amber-600); }
.article-hero h1 { max-width:1120px; margin:0; color:var(--navy-950); font-size:clamp(3.25rem,6vw,6.6rem); line-height:.92; letter-spacing:-.068em; }
.article-dek { max-width:860px; margin:28px 0 0; color:var(--muted); font-size:1.16rem; line-height:1.7; }
.article-meta { display:flex; flex-wrap:wrap; gap:18px; margin-top:26px; color:var(--muted); font-size:.8rem; font-weight:750; }
.article-main { padding:78px 0 94px; }
.article-layout { display:grid; grid-template-columns:300px minmax(0,820px); justify-content:center; gap:80px; align-items:start; }
.article-side { position:sticky; top:122px; }
.article-side-box { padding:22px 0; border-top:4px solid var(--amber-500); border-bottom:1px solid var(--line-strong); }
.article-side-box > strong { display:block; margin-bottom:14px; color:var(--navy-950); font-size:.88rem; text-transform:uppercase; letter-spacing:.08em; }
.article-side-box a { display:block; padding:8px 0; color:var(--muted); font-size:.86rem; font-weight:700; }
.article-side-box a:hover { color:var(--navy-950); }
.article-side-cta { margin-top:26px; padding:20px; border:1px solid var(--line); border-radius:var(--radius-sm); }
.article-side-cta strong { display:block; color:var(--navy-950); }
.article-side-cta p { color:var(--muted); font-size:.84rem; }
.article-body { min-width:0; color:#233b53; font-size:1.06rem; line-height:1.83; }
.article-body > p:first-child { margin-top:0; color:var(--navy-950); font-size:1.28rem; line-height:1.65; }
.article-body h2 { scroll-margin-top:125px; margin:62px 0 18px; color:var(--navy-950); font-size:clamp(2rem,3.1vw,3.35rem); line-height:1.03; letter-spacing:-.052em; }
.article-body h3 { margin:36px 0 12px; color:var(--navy-950); font-size:1.38rem; line-height:1.25; letter-spacing:-.025em; }
.article-body p { margin:0 0 21px; }
.article-body ul,.article-body ol { margin:0 0 26px; padding-left:24px; }
.article-body li { margin:8px 0; padding-left:5px; }
.article-callout { margin:34px 0; padding:25px 28px; border-left:4px solid var(--amber-500); background:#fff; box-shadow:0 0 0 1px var(--line); }
.article-callout .micro-label { margin-bottom:7px; }
.article-callout strong { display:block; color:var(--navy-950); font-size:1.2rem; }
.article-callout p { margin:8px 0 0; color:var(--muted); }
.article-comparison { margin:34px 0; border-top:1px solid var(--line-strong); }
.article-comparison > div { display:grid; grid-template-columns:.75fr 1.25fr; gap:22px; padding:18px 3px; border-bottom:1px solid var(--line); }
.article-comparison strong { color:var(--navy-950); }
.article-comparison span { color:var(--muted); }
.article-question-list { margin:30px 0; counter-reset:article-question; border-top:1px solid var(--line-strong); }
.article-question-list > div { counter-increment:article-question; display:grid; grid-template-columns:52px 1fr; gap:16px; padding:20px 3px; border-bottom:1px solid var(--line); }
.article-question-list > div::before { content:"0" counter(article-question); color:var(--amber-600); font-size:.78rem; font-weight:900; letter-spacing:.08em; }
.article-question-list strong { display:block; color:var(--navy-950); }
.article-question-list p { margin:5px 0 0; color:var(--muted); font-size:.96rem; }
.article-source-note { margin-top:64px; padding-top:26px; border-top:1px solid var(--line-strong); }
.article-source-note h2 { margin-top:0; font-size:1.8rem; }
.article-source-note ol { padding-left:22px; }
.article-source-note a { color:var(--navy-700); text-decoration:underline; text-underline-offset:3px; }
.article-disclaimer { margin-top:30px; color:var(--muted); font-size:.82rem; }
.related-guides { padding:72px 0; border-top:1px solid var(--line); }
.related-guides h2 { margin:0 0 30px; color:var(--navy-950); font-size:clamp(2.1rem,3.5vw,3.7rem); line-height:1; letter-spacing:-.052em; }
.related-guide-ledger { border-top:1px solid var(--line-strong); }
.related-guide-ledger a { display:grid; grid-template-columns:52px 1fr auto; gap:18px; align-items:center; padding:20px 3px; border-bottom:1px solid var(--line); }
.related-guide-ledger b { color:var(--amber-600); font-size:.76rem; }
.related-guide-ledger strong { color:var(--navy-950); font-size:1.12rem; }
.related-guide-ledger span { color:var(--navy-950); font-weight:900; }

@media (max-width:1050px) {
  .library-hero-layout,.library-feature-grid,.library-index-head,.library-principles-layout { grid-template-columns:1fr; gap:42px; }
  .library-feature-label { position:static; }
  .library-row { grid-template-columns:52px minmax(0,1fr) 130px; }
  .library-row .library-topic { grid-column:2; }
  .library-row a { grid-column:3; grid-row:1 / span 2; }
  .article-layout { grid-template-columns:230px minmax(0,1fr); gap:50px; }
}
@media (max-width:760px) {
  .calc-option .calc-secondary-row,
  .calc-saving-support > div { grid-template-columns:minmax(0,1fr) minmax(118px,42%); column-gap:12px; }
  .library-hero { padding:58px 0 52px; }
  .library-hero h1 { font-size:3.65rem; }
  .library-hero-intro { padding-left:20px; }
  .library-feature,.library-index,.library-principles { padding:62px 0; }
  .feature-guide { padding-left:20px; }
  .feature-guide h3 { font-size:2.75rem; }
  .library-index-head { margin-bottom:28px; }
  .library-filters { overflow:auto; flex-wrap:nowrap; padding-bottom:5px; }
  .library-filter { flex:0 0 auto; }
  .library-row { grid-template-columns:38px 1fr; gap:12px; padding:21px 2px; }
  .library-row .library-topic { grid-column:2; }
  .library-row a { grid-column:2; grid-row:auto; justify-self:start; margin-top:3px; }
  .library-principle-lines > div { grid-template-columns:40px 1fr; gap:12px; }
  .library-principle-lines p { grid-column:2; }
  .library-entry-link { align-items:flex-start; flex-direction:column; gap:12px; }
  .article-hero { padding:54px 0 48px; }
  .article-hero h1 { font-size:3.35rem; }
  .article-dek { font-size:1.04rem; }
  .article-main { padding:54px 0 68px; }
  .article-layout { grid-template-columns:1fr; gap:34px; }
  .article-side { position:static; }
  .article-side-box { display:none; }
  .article-side-cta { margin-top:0; }
  .article-body { font-size:1rem; line-height:1.75; }
  .article-body > p:first-child { font-size:1.15rem; }
  .article-body h2 { margin-top:48px; }
  .article-callout { padding:22px 20px; }
  .article-comparison > div { grid-template-columns:1fr; gap:4px; }
  .related-guide-ledger a { grid-template-columns:38px 1fr; }
  .related-guide-ledger span { grid-column:2; }
}


/* V6 Partner Desk */
.primary-nav > a[aria-current="page"]::after { right:0; }
.partner-page-hero { padding:78px 0 76px; border-bottom:1px solid var(--line); }
.partner-page-hero-layout { display:grid; grid-template-columns:.9fr 1.1fr; gap:86px; align-items:start; }
.partner-hero-copy h1 { max-width:770px; margin:0; color:var(--navy-950); font-size:clamp(4.1rem,6vw,6.85rem); line-height:.91; letter-spacing:-.071em; }
.partner-hero-copy .hero-intro { max-width:690px; }
.partner-privacy-note { display:flex; align-items:center; gap:9px; margin:24px 0 0; color:var(--muted); font-size:.86rem; font-weight:700; }
.partner-privacy-note span { width:23px; height:23px; display:grid; place-items:center; border:1px solid var(--amber-500); border-radius:50%; color:var(--amber-600); font-size:.75rem; }
.partner-role-desk { padding-left:34px; border-left:4px solid var(--amber-500); }
.partner-role-desk h2 { max-width:650px; margin:0 0 24px; color:var(--navy-950); font-size:clamp(2.1rem,3.3vw,3.65rem); line-height:1; letter-spacing:-.055em; }
.partner-role-options { border-top:1px solid var(--line-strong); }
.partner-role-options button { width:100%; min-height:64px; display:grid; grid-template-columns:42px 1fr auto; gap:14px; align-items:center; padding:0 4px; border:0; border-bottom:1px solid var(--line); background:#fff; color:var(--navy-950); text-align:left; cursor:pointer; }
.partner-role-options button b { color:#9aacbc; font-size:.72rem; letter-spacing:.1em; }
.partner-role-options button span { font-size:1rem; font-weight:800; }
.partner-role-options button i { color:var(--amber-600); font-style:normal; font-size:1.2rem; transition:transform .2s ease; }
.partner-role-options button:hover i,.partner-role-options button.active i { transform:translateX(5px); }
.partner-role-options button.active { box-shadow:inset 4px 0 0 var(--amber-500); }
.partner-role-options button.active b { color:var(--amber-600); }
.partner-role-result { margin-top:24px; padding:24px 0 0; border-top:1px solid var(--line-strong); }
.partner-role-result h3 { margin:0 0 8px; color:var(--navy-950); font-size:1.55rem; letter-spacing:-.035em; }
.partner-role-result > p:not(.micro-label) { max-width:690px; margin:0; color:var(--muted); }
.partner-role-result ul { display:flex; flex-wrap:wrap; gap:8px; margin:18px 0; padding:0; list-style:none; }
.partner-role-result li { padding:7px 11px; border:1px solid var(--line); border-radius:999px; color:var(--navy-950); font-size:.76rem; font-weight:750; }
.partner-route-action { min-height:46px; padding:0; border:0; background:#fff; color:var(--navy-950); font-weight:900; cursor:pointer; }
.partner-route-action span { margin-left:9px; color:var(--amber-600); font-size:1.15rem; }

.partner-handover { padding:92px 0; border-bottom:1px solid var(--line); }
.partner-handover-layout { display:grid; grid-template-columns:.72fr 1.28fr; gap:88px; align-items:start; }
.partner-sticky-heading { position:sticky; top:122px; }
.partner-sticky-heading h2,.partner-case-head h2,.partner-standard h2,.partner-boundaries h2 { margin:0; color:var(--navy-950); font-size:clamp(2.5rem,4.35vw,4.75rem); line-height:.96; letter-spacing:-.061em; }
.partner-sticky-heading > p:last-child { max-width:510px; color:var(--muted); font-size:1.04rem; }
.partner-handover-ledger { margin:0; padding:0; list-style:none; border-top:1px solid var(--line-strong); }
.partner-handover-ledger li { display:grid; grid-template-columns:52px 1fr; gap:18px; padding:23px 4px; border-bottom:1px solid var(--line); }
.partner-handover-ledger b { color:var(--amber-600); font-size:.76rem; letter-spacing:.1em; }
.partner-handover-ledger strong { display:block; color:var(--navy-950); font-size:1.15rem; }
.partner-handover-ledger p { margin:6px 0 0; color:var(--muted); }

.partner-case-routes { padding:88px 0; border-bottom:1px solid var(--line); }
.partner-case-head { display:grid; grid-template-columns:1.05fr .95fr; gap:74px; align-items:end; margin-bottom:38px; }
.partner-case-head > p { max-width:650px; margin:0; color:var(--muted); font-size:1.05rem; }
.partner-case-ledger { border-top:1px solid var(--line-strong); }
.partner-case-ledger a { display:grid; grid-template-columns:58px minmax(0,1fr) auto; gap:20px; align-items:center; padding:25px 4px; border-bottom:1px solid var(--line); }
.partner-case-ledger b { color:var(--amber-600); font-size:.76rem; letter-spacing:.1em; }
.partner-case-ledger strong { display:block; color:var(--navy-950); font-size:1.3rem; letter-spacing:-.025em; }
.partner-case-ledger p { margin:6px 0 0; color:var(--muted); }
.partner-case-ledger > a > span { color:var(--amber-600); font-size:1.3rem; transition:transform .2s ease; }
.partner-case-ledger a:hover > span { transform:translateX(6px); }

.partner-standard { padding:86px 0; border-bottom:1px solid var(--line); }
.partner-standard-layout { display:grid; grid-template-columns:.78fr 1.22fr; gap:88px; align-items:start; }
.partner-standard-lines { border-top:1px solid var(--line-strong); }
.partner-standard-lines > div { display:grid; grid-template-columns:50px .72fr 1.28fr; gap:18px; padding:22px 4px; border-bottom:1px solid var(--line); }
.partner-standard-lines b { color:var(--amber-600); font-size:.76rem; }
.partner-standard-lines strong { color:var(--navy-950); }
.partner-standard-lines p { margin:0; color:var(--muted); }

.partner-boundaries { padding:88px 0; border-bottom:1px solid var(--line); }
.partner-boundaries > .shell > h2 { max-width:1040px; }
.partner-boundary-grid { display:grid; grid-template-columns:1fr 1fr; gap:70px; margin-top:44px; }
.partner-boundary-grid > div { padding-top:24px; border-top:4px solid var(--amber-500); }
.partner-boundary-grid > div:last-child { border-top-color:var(--navy-800); }
.partner-boundary-grid h3 { margin:0 0 17px; color:var(--navy-950); font-size:1.55rem; }
.partner-boundary-grid ul { margin:0; padding:0; list-style:none; border-top:1px solid var(--line); }
.partner-boundary-grid li { position:relative; padding:15px 4px 15px 28px; border-bottom:1px solid var(--line); color:var(--muted); }
.partner-boundary-grid li::before { content:"✓"; position:absolute; left:3px; color:var(--amber-600); font-weight:900; }
.partner-boundary-grid > div:last-child li::before { content:"×"; color:var(--navy-700); }

.partner-enquiry-section { padding:88px 0; background:var(--navy-950); }
.partner-enquiry-shell { display:grid; grid-template-columns:.78fr 1.22fr; gap:72px; align-items:start; }
.partner-enquiry-intro h2 { margin:0; color:#fff; font-size:clamp(2.4rem,3.7vw,4.15rem); line-height:1; letter-spacing:-.052em; }
.partner-enquiry-intro > p:not(.micro-label),.partner-enquiry-intro li { color:#c7d3df; }
.partner-enquiry-intro ul { margin:26px 0 0; padding:0; list-style:none; }
.partner-enquiry-intro li { position:relative; padding:8px 0 8px 28px; }
.partner-enquiry-intro li::before { content:"✓"; position:absolute; left:0; color:var(--amber-400); font-weight:900; }
.partner-enquiry-form label small { color:var(--muted); font-weight:600; }
.honeypot { position:absolute !important; left:-9999px !important; width:1px !important; height:1px !important; opacity:0 !important; }
.footer-small { margin-top:14px; color:#8395a6; font-size:.76rem; }

@media (max-width:1150px) {
  .partner-page-hero-layout { grid-template-columns:.92fr 1.08fr; gap:48px; }
  .partner-hero-copy h1 { font-size:4.9rem; }
  .partner-role-desk { padding-left:26px; }
}
@media (max-width:940px) {
  .partner-page-hero-layout,.partner-handover-layout,.partner-case-head,.partner-standard-layout,.partner-enquiry-shell { grid-template-columns:1fr; gap:44px; }
  .partner-sticky-heading { position:static; }
  .partner-role-desk { padding:30px 0 0; border-left:0; border-top:4px solid var(--amber-500); }
  .partner-boundary-grid { gap:36px; }
}
@media (max-width:760px) {
  .partner-page-hero { padding:54px 0 58px; }
  .partner-hero-copy h1 { font-size:clamp(3.45rem,15vw,4.65rem); }
  .partner-role-desk h2 { font-size:2.5rem; }
  .partner-handover,.partner-case-routes,.partner-standard,.partner-boundaries,.partner-enquiry-section { padding:66px 0; }
  .partner-case-ledger a { grid-template-columns:43px 1fr auto; gap:12px; }
  .partner-case-ledger strong { font-size:1.12rem; }
  .partner-case-ledger p { font-size:.9rem; }
  .partner-standard-lines > div { grid-template-columns:40px 1fr; }
  .partner-standard-lines p { grid-column:2; }
  .partner-boundary-grid { grid-template-columns:1fr; }
}
@media (max-width:520px) {
  .partner-role-options button { grid-template-columns:34px 1fr auto; }
  .partner-role-result ul { display:grid; }
  .partner-handover-ledger li { grid-template-columns:40px 1fr; }
  .partner-case-ledger a { align-items:start; }
  .partner-case-ledger > a > span { padding-top:3px; }
}


/* V7 About and Contact Centre */
.about-strip-copy p { margin:0; }
.about-strip-copy a { display:inline-flex; gap:9px; margin-top:14px; color:var(--navy-950); font-weight:900; }
.about-strip-copy a span { color:var(--amber-600); }

.about-page-hero { padding:82px 0 78px; border-bottom:1px solid var(--line); }
.about-page-hero-layout { display:grid; grid-template-columns:.94fr 1.06fr; gap:88px; align-items:start; }
.about-hero-copy h1 { max-width:820px; margin:0; color:var(--navy-950); font-size:clamp(4.15rem,6.3vw,7.05rem); line-height:.9; letter-spacing:-.074em; }
.about-hero-copy .hero-intro { max-width:720px; }
.about-connection-desk { padding-left:34px; border-left:4px solid var(--amber-500); }
.about-connection-desk h2 { max-width:680px; margin:0 0 26px; color:var(--navy-950); font-size:clamp(2.3rem,3.65vw,4rem); line-height:.98; letter-spacing:-.058em; }
.about-connect-lines { border-top:1px solid var(--line-strong); }
.about-connect-lines > div { display:grid; grid-template-columns:48px .72fr 1.28fr; gap:18px; padding:23px 4px; border-bottom:1px solid var(--line); }
.about-connect-lines b,.about-origin-ledger b,.about-route-steps b,.about-principle-lines b,.about-audience-ledger b { color:var(--amber-600); font-size:.76rem; letter-spacing:.1em; }
.about-connect-lines strong,.about-origin-ledger strong,.about-route-steps strong,.about-principle-lines strong,.about-audience-ledger strong { color:var(--navy-950); }
.about-connect-lines p,.about-origin-ledger p,.about-route-steps p,.about-principle-lines p,.about-audience-ledger p { margin:0; color:var(--muted); }

.about-origin { padding:92px 0; border-bottom:1px solid var(--line); }
.about-origin-layout { display:grid; grid-template-columns:.72fr 1.28fr; gap:88px; align-items:start; }
.about-sticky-heading { position:sticky; top:122px; }
.about-sticky-heading h2,.about-role h2,.about-route h2,.about-principles h2,.about-audiences h2 { margin:0; color:var(--navy-950); font-size:clamp(2.55rem,4.45vw,4.85rem); line-height:.95; letter-spacing:-.062em; }
.about-sticky-heading > p:last-child { max-width:520px; color:var(--muted); font-size:1.04rem; }
.about-origin-ledger { border-top:1px solid var(--line-strong); }
.about-origin-ledger > div { display:grid; grid-template-columns:52px 1fr; gap:18px; padding:25px 4px; border-bottom:1px solid var(--line); }
.about-origin-ledger strong { display:block; font-size:1.2rem; line-height:1.35; }
.about-origin-ledger p { margin-top:7px; }

.about-role { padding:88px 0; border-bottom:1px solid var(--line); }
.about-role > .shell > h2 { max-width:1040px; }
.about-role-grid { display:grid; grid-template-columns:1fr 1fr; gap:70px; margin-top:46px; }
.about-role-grid > div { padding-top:24px; border-top:4px solid var(--amber-500); }
.about-role-grid > div:last-child { border-top-color:var(--navy-800); }
.about-role-grid h3 { margin:0 0 17px; color:var(--navy-950); font-size:1.55rem; }
.about-role-grid ul { margin:0; padding:0; list-style:none; border-top:1px solid var(--line); }
.about-role-grid li { position:relative; padding:15px 4px 15px 28px; border-bottom:1px solid var(--line); color:var(--muted); }
.about-role-grid li::before { content:'✓'; position:absolute; left:3px; color:var(--amber-600); font-weight:900; }
.about-role-grid > div:last-child li::before { content:'×'; color:var(--navy-700); }

.about-route { padding:88px 0; border-bottom:1px solid var(--line); }
.about-route-layout { display:grid; grid-template-columns:.78fr 1.22fr; gap:88px; align-items:start; }
.about-route-steps { margin:0; padding:0; list-style:none; border-top:1px solid var(--line-strong); }
.about-route-steps li { display:grid; grid-template-columns:50px 1fr; gap:18px; padding:24px 4px; border-bottom:1px solid var(--line); }
.about-route-steps strong { display:block; font-size:1.15rem; }
.about-route-steps p { margin-top:6px; }

.about-principles { padding:88px 0; border-bottom:1px solid var(--line); }
.about-principles-head { display:grid; grid-template-columns:1.05fr .95fr; gap:74px; align-items:end; margin-bottom:40px; }
.about-principles-head > p { max-width:680px; margin:0; color:var(--muted); font-size:1.04rem; }
.about-principle-lines { border-top:1px solid var(--line-strong); }
.about-principle-lines > div { display:grid; grid-template-columns:52px .7fr 1.3fr; gap:18px; padding:22px 4px; border-bottom:1px solid var(--line); }

.about-audiences { padding:88px 0; }
.about-audiences-layout { display:grid; grid-template-columns:.78fr 1.22fr; gap:88px; align-items:start; }
.about-audience-ledger { border-top:1px solid var(--line-strong); }
.about-audience-ledger a { display:grid; grid-template-columns:52px minmax(0,1fr) auto; gap:18px; align-items:center; padding:25px 4px; border-bottom:1px solid var(--line); }
.about-audience-ledger strong { display:block; font-size:1.2rem; }
.about-audience-ledger p { margin-top:6px; }
.about-audience-ledger span { color:var(--amber-600); font-size:1.3rem; transition:transform .2s ease; }
.about-audience-ledger a:hover span { transform:translateX(6px); }
.about-cta { padding:64px 0; background:var(--navy-950); }
.about-cta-layout { display:flex; align-items:center; justify-content:space-between; gap:50px; }
.about-cta h2 { max-width:860px; margin:0; color:#fff; font-size:clamp(2.4rem,4vw,4.4rem); line-height:.98; letter-spacing:-.055em; }

.contact-page-hero { padding:78px 0 76px; border-bottom:1px solid var(--line); }
.contact-page-hero-layout { display:grid; grid-template-columns:.86fr 1.14fr; gap:86px; align-items:start; }
.contact-hero-copy h1 { max-width:740px; margin:0; color:var(--navy-950); font-size:clamp(4.2rem,6.25vw,7.05rem); line-height:.9; letter-spacing:-.073em; }
.contact-hero-copy .hero-intro { max-width:680px; }
.contact-privacy-line { display:flex; align-items:flex-start; gap:10px; max-width:650px; color:var(--muted); font-size:.86rem; font-weight:700; }
.contact-privacy-line span { width:23px; height:23px; flex:0 0 23px; display:grid; place-items:center; border:1px solid var(--amber-500); border-radius:50%; color:var(--amber-600); font-size:.74rem; }
.contact-route-desk { padding-left:34px; border-left:4px solid var(--amber-500); }
.contact-route-desk h2 { max-width:720px; margin:0 0 24px; color:var(--navy-950); font-size:clamp(2.15rem,3.4vw,3.75rem); line-height:.99; letter-spacing:-.056em; }
.contact-route-options { border-top:1px solid var(--line-strong); }
.contact-route-options button { width:100%; min-height:58px; display:grid; grid-template-columns:42px 1fr auto; gap:14px; align-items:center; padding:0 4px; border:0; border-bottom:1px solid var(--line); background:#fff; color:var(--navy-950); text-align:left; cursor:pointer; }
.contact-route-options button b { color:#9aacbc; font-size:.72rem; letter-spacing:.1em; }
.contact-route-options button span { font-weight:800; }
.contact-route-options button i { color:var(--amber-600); font-style:normal; font-size:1.18rem; transition:transform .2s ease; }
.contact-route-options button:hover i,.contact-route-options button.active i { transform:translateX(5px); }
.contact-route-options button.active { box-shadow:inset 4px 0 0 var(--amber-500); }
.contact-route-options button.active b { color:var(--amber-600); }
.contact-route-result { margin-top:24px; padding-top:22px; border-top:1px solid var(--line-strong); }
.contact-route-result h3 { margin:0 0 8px; color:var(--navy-950); font-size:1.52rem; letter-spacing:-.035em; }
.contact-route-result > p:not(.micro-label) { margin:0; color:var(--muted); }
.contact-route-result ul { display:flex; flex-wrap:wrap; gap:8px; margin:17px 0; padding:0; list-style:none; }
.contact-route-result li { padding:7px 11px; border:1px solid var(--line); border-radius:999px; color:var(--navy-950); font-size:.76rem; font-weight:750; }
.contact-route-action { min-height:44px; padding:0; border:0; background:#fff; color:var(--navy-950); font-weight:900; cursor:pointer; }
.contact-route-action span { margin-left:9px; color:var(--amber-600); font-size:1.14rem; }

.contact-form-section { padding:88px 0; background:var(--navy-950); }
.contact-form-shell { display:grid; grid-template-columns:.72fr 1.28fr; gap:74px; align-items:start; }
.contact-form-intro { position:sticky; top:122px; }
.contact-form-intro h2 { margin:0; color:#fff; font-size:clamp(2.45rem,3.9vw,4.35rem); line-height:.98; letter-spacing:-.055em; }
.contact-form-intro > p:not(.micro-label) { color:#c7d3df; font-size:1.02rem; }
.contact-form-benefits { margin-top:30px; border-top:1px solid #31485e; }
.contact-form-benefits > div { display:grid; grid-template-columns:42px 1fr; gap:12px; padding:16px 2px; border-bottom:1px solid #31485e; }
.contact-form-benefits b { color:var(--amber-400); font-size:.74rem; }
.contact-form-benefits span { color:#e8eef4; font-weight:800; }
.contact-enquiry-form { background:#fff; }
.contact-dynamic-group[hidden] { display:none; }
.form-divider { display:flex; align-items:center; gap:14px; margin:10px 0 4px; color:var(--navy-950); font-size:.78rem; font-weight:900; letter-spacing:.09em; text-transform:uppercase; }
.form-divider::after { content:''; height:1px; flex:1; background:var(--line); }
.form-smallprint { margin:13px 0 0; color:var(--muted); font-size:.76rem; line-height:1.5; }

.contact-next { padding:90px 0; border-bottom:1px solid var(--line); }
.contact-next-layout { display:grid; grid-template-columns:.78fr 1.22fr; gap:88px; align-items:start; }
.contact-next h2,.contact-self-service h2,.contact-safety h2 { margin:0; color:var(--navy-950); font-size:clamp(2.55rem,4.35vw,4.75rem); line-height:.96; letter-spacing:-.061em; }
.contact-next-ledger { margin:0; padding:0; list-style:none; border-top:1px solid var(--line-strong); }
.contact-next-ledger li { display:grid; grid-template-columns:50px 1fr; gap:18px; padding:23px 4px; border-bottom:1px solid var(--line); }
.contact-next-ledger b,.contact-self-ledger b { color:var(--amber-600); font-size:.76rem; letter-spacing:.1em; }
.contact-next-ledger strong,.contact-self-ledger strong { display:block; color:var(--navy-950); font-size:1.15rem; }
.contact-next-ledger p,.contact-self-ledger p { margin:6px 0 0; color:var(--muted); }

.contact-self-service { padding:88px 0; border-bottom:1px solid var(--line); }
.contact-self-head { display:grid; grid-template-columns:1.05fr .95fr; gap:74px; align-items:end; margin-bottom:40px; }
.contact-self-head > p { max-width:650px; margin:0; color:var(--muted); font-size:1.04rem; }
.contact-self-ledger { border-top:1px solid var(--line-strong); }
.contact-self-ledger a { display:grid; grid-template-columns:52px minmax(0,1fr) auto; gap:18px; align-items:center; padding:24px 4px; border-bottom:1px solid var(--line); }
.contact-self-ledger span { color:var(--amber-600); font-size:1.3rem; transition:transform .2s ease; }
.contact-self-ledger a:hover span { transform:translateX(6px); }

.contact-safety { padding:78px 0; }
.contact-safety-layout { display:grid; grid-template-columns:.78fr 1.22fr; gap:88px; align-items:start; }
.contact-safety-copy { padding-left:32px; border-left:4px solid var(--amber-500); }
.contact-safety-copy p { margin:0 0 17px; color:var(--muted); font-size:1.04rem; line-height:1.7; }

@media (max-width:1050px) {
  .about-page-hero-layout,.about-origin-layout,.about-route-layout,.about-principles-head,.about-audiences-layout,.contact-page-hero-layout,.contact-form-shell,.contact-next-layout,.contact-self-head,.contact-safety-layout { grid-template-columns:1fr; gap:46px; }
  .about-sticky-heading,.contact-form-intro { position:static; }
  .about-connection-desk,.contact-route-desk { padding:30px 0 0; border-left:0; border-top:4px solid var(--amber-500); }
  .about-role-grid { gap:38px; }
}
@media (max-width:760px) {
  .about-page-hero,.contact-page-hero { padding:54px 0 58px; }
  .about-hero-copy h1,.contact-hero-copy h1 { font-size:clamp(3.45rem,15vw,4.7rem); }
  .about-connection-desk h2,.contact-route-desk h2 { font-size:2.5rem; }
  .about-origin,.about-role,.about-route,.about-principles,.about-audiences,.contact-form-section,.contact-next,.contact-self-service,.contact-safety { padding:66px 0; }
  .about-role-grid { grid-template-columns:1fr; }
  .about-connect-lines > div,.about-principle-lines > div { grid-template-columns:40px 1fr; gap:12px; }
  .about-connect-lines p,.about-principle-lines p { grid-column:2; }
  .about-cta-layout { align-items:flex-start; flex-direction:column; }
  .contact-route-options button { min-height:56px; }
  .contact-self-ledger a,.about-audience-ledger a { grid-template-columns:40px 1fr auto; gap:12px; align-items:start; }
  .contact-route-result ul { display:grid; }
  .contact-safety-copy { padding:24px 0 0; border-left:0; border-top:4px solid var(--amber-500); }
}
@media (max-width:520px) {
  .about-origin-ledger > div,.about-route-steps li,.contact-next-ledger li { grid-template-columns:40px 1fr; }
  .contact-route-options button { grid-template-columns:34px 1fr auto; }
  .about-audience-ledger span,.contact-self-ledger span { padding-top:3px; }
}


/* V8 dedicated loan routes and central FAQ */
.loan-detail-hero { padding:82px 0 78px; border-bottom:1px solid var(--line); }
.loan-detail-hero-layout { display:grid; grid-template-columns:.94fr 1.06fr; gap:88px; align-items:start; }
.loan-detail-copy h1 { max-width:790px; margin:0; color:var(--navy-950); font-size:clamp(4.05rem,6.2vw,7rem); line-height:.9; letter-spacing:-.073em; }
.loan-detail-copy .hero-intro { max-width:690px; }
.loan-review-lens { padding-left:34px; border-left:4px solid var(--amber-500); }
.loan-review-lens h2 { max-width:720px; margin:0 0 24px; color:var(--navy-950); font-size:clamp(2.2rem,3.45vw,3.85rem); line-height:.98; letter-spacing:-.058em; }
.loan-review-lines { border-top:1px solid var(--line-strong); }
.loan-review-lines > div { display:grid; grid-template-columns:48px .68fr 1.32fr; gap:17px; padding:22px 4px; border-bottom:1px solid var(--line); }
.loan-review-lines b,.loan-situation-ledger b,.loan-evidence-grid b,.loan-decision-steps b,.loan-caution-ledger b { color:var(--amber-600); font-size:.76rem; font-weight:900; letter-spacing:.1em; }
.loan-review-lines strong,.loan-situation-ledger strong,.loan-evidence-grid strong,.loan-decision-steps strong,.loan-caution-ledger strong { color:var(--navy-950); font-size:1.08rem; }
.loan-review-lines p,.loan-situation-ledger p,.loan-evidence-grid p,.loan-decision-steps p,.loan-caution-ledger p { margin:0; color:var(--muted); }

.loan-situation-section { padding:90px 0; border-bottom:1px solid var(--line); }
.loan-situation-layout { display:grid; grid-template-columns:.72fr 1.28fr; gap:86px; align-items:start; }
.loan-sticky-heading { position:sticky; top:124px; }
.loan-sticky-heading h2,.loan-section-head h2,.loan-decision-section h2,.loan-caution-section h2,.loan-page-faq h2,.loan-detail-cta h2 { margin:0; color:var(--navy-950); font-size:clamp(2.4rem,4.1vw,4.55rem); line-height:.97; letter-spacing:-.06em; }
.loan-sticky-heading > p:last-child { color:var(--muted); font-size:1.02rem; }
.loan-situation-ledger { border-top:1px solid var(--line-strong); }
.loan-situation-ledger > div { display:grid; grid-template-columns:52px 1fr; gap:18px; padding:24px 4px; border-bottom:1px solid var(--line); }
.loan-situation-ledger strong { display:block; margin-bottom:6px; font-size:1.18rem; }

.loan-evidence-section { padding:88px 0; border-bottom:1px solid var(--line); }
.loan-section-head { display:grid; grid-template-columns:1fr 1fr; gap:80px; align-items:end; margin-bottom:40px; }
.loan-section-head > p { max-width:680px; margin:0; color:var(--muted); font-size:1.04rem; }
.loan-evidence-grid { display:grid; grid-template-columns:repeat(2,1fr); border-top:1px solid var(--line-strong); }
.loan-evidence-grid > div { display:grid; grid-template-columns:48px 1fr; grid-template-rows:auto auto; gap:7px 16px; padding:27px 24px 27px 4px; border-bottom:1px solid var(--line); }
.loan-evidence-grid > div:nth-child(odd) { border-right:1px solid var(--line); }
.loan-evidence-grid p { grid-column:2; }

.loan-decision-section { padding:88px 0; background:var(--navy-950); }
.loan-decision-layout { display:grid; grid-template-columns:.74fr 1.26fr; gap:88px; align-items:start; }
.loan-decision-section h2 { color:#fff; }
.loan-decision-steps { margin:0; padding:0; list-style:none; border-top:1px solid #345069; }
.loan-decision-steps li { display:grid; grid-template-columns:50px 1fr; gap:18px; padding:23px 4px; border-bottom:1px solid #345069; }
.loan-decision-steps strong { display:block; color:#fff; font-size:1.16rem; }
.loan-decision-steps p { margin-top:6px; color:#c7d3df; }
.loan-decision-steps b { color:var(--amber-400); }

.loan-caution-section { padding:90px 0; border-bottom:1px solid var(--line); }
.loan-caution-layout { display:grid; grid-template-columns:.72fr 1.28fr; gap:86px; align-items:start; }
.loan-caution-layout > div:first-child > p:last-child { color:var(--muted); font-size:1.03rem; }
.loan-caution-ledger { border-top:1px solid var(--line-strong); }
.loan-caution-ledger > div { display:grid; grid-template-columns:52px 1fr; gap:18px; padding:24px 4px; border-bottom:1px solid var(--line); }
.loan-caution-ledger strong { display:block; margin-bottom:6px; font-size:1.16rem; }

.loan-page-faq { padding:88px 0; }
.loan-page-faq-layout { display:grid; grid-template-columns:.72fr 1.28fr; gap:86px; align-items:start; }
.loan-page-faq-layout > div:first-child > a { display:inline-flex; margin-top:24px; color:var(--navy-950); font-weight:900; }
.loan-page-faq-layout > div:first-child > a span { margin-left:9px; color:var(--amber-600); }
.loan-page-questions { border-top:1px solid var(--line-strong); }
.loan-page-questions details { border-bottom:1px solid var(--line); }
.loan-page-questions summary { min-height:72px; display:flex; justify-content:space-between; align-items:center; gap:24px; padding:16px 4px; color:var(--navy-950); font-size:1.08rem; font-weight:850; cursor:pointer; list-style:none; }
.loan-page-questions summary::-webkit-details-marker { display:none; }
.loan-page-questions summary span { color:var(--amber-600); font-size:1.45rem; font-weight:400; transition:transform .2s ease; }
.loan-page-questions details[open] summary span { transform:rotate(45deg); }
.loan-page-questions details p { margin:0; padding:0 46px 22px 4px; color:var(--muted); }

.loan-detail-cta { padding:64px 0; background:var(--navy-950); }
.loan-detail-cta-layout { display:flex; align-items:center; justify-content:space-between; gap:54px; }
.loan-detail-cta h2 { max-width:880px; color:#fff; }
.loan-detail-cta p:not(.micro-label) { max-width:760px; margin:15px 0 0; color:#c7d3df; }

.faq-hero { padding:84px 0 76px; border-bottom:1px solid var(--line); }
.faq-hero-layout { display:grid; grid-template-columns:1.08fr .92fr; gap:90px; align-items:end; }
.faq-hero h1 { max-width:900px; margin:0; color:var(--navy-950); font-size:clamp(4.1rem,6.5vw,7.25rem); line-height:.9; letter-spacing:-.073em; }
.faq-hero-intro { padding:8px 0 8px 30px; border-left:4px solid var(--amber-500); }
.faq-hero-intro p { max-width:660px; margin:0 0 26px; color:var(--muted); font-size:1.08rem; line-height:1.7; }
.faq-index { padding:90px 0; border-bottom:1px solid var(--line); }
.faq-index-layout { display:grid; grid-template-columns:350px minmax(0,900px); justify-content:center; gap:82px; align-items:start; }
.faq-filter-panel { position:sticky; top:124px; }
.faq-filter-panel h2,.faq-not-answer h2,.faq-official h2 { margin:0; color:var(--navy-950); font-size:clamp(2.25rem,3.8vw,4.15rem); line-height:.98; letter-spacing:-.058em; }
.faq-filters { display:grid; margin-top:28px; border-top:1px solid var(--line-strong); }
.faq-filters button { min-height:49px; padding:0 4px; display:flex; align-items:center; border:0; border-bottom:1px solid var(--line); background:#fff; color:var(--muted); font-weight:800; text-align:left; cursor:pointer; }
.faq-filters button:hover,.faq-filters button.active { color:var(--navy-950); box-shadow:inset 4px 0 0 var(--amber-500); padding-left:16px; }
.faq-filter-note { color:var(--muted); font-size:.8rem; font-weight:750; }
.faq-list { border-top:1px solid var(--line-strong); }
.faq-item[hidden] { display:none; }
.faq-item { border-bottom:1px solid var(--line); }
.faq-item summary { min-height:76px; display:grid; grid-template-columns:1fr 34px; gap:24px; align-items:center; padding:14px 4px; color:var(--navy-950); font-size:1.1rem; font-weight:850; cursor:pointer; list-style:none; }
.faq-item summary::-webkit-details-marker { display:none; }
.faq-item summary b { width:30px; height:30px; display:grid; place-items:center; border:1px solid var(--line-strong); border-radius:50%; color:var(--amber-600); font-size:1.25rem; font-weight:400; transition:transform .2s ease; }
.faq-item[open] summary b { transform:rotate(45deg); }
.faq-item > div { padding:0 70px 24px 4px; }
.faq-item p { margin:0; color:var(--muted); font-size:1rem; line-height:1.7; }
.faq-not-answer { padding:82px 0; border-bottom:1px solid var(--line); }
.faq-not-answer-layout,.faq-official-layout { display:grid; grid-template-columns:.8fr 1.2fr; gap:86px; align-items:start; }
.faq-not-answer-layout > div:last-child { padding-left:30px; border-left:4px solid var(--amber-500); }
.faq-not-answer-layout > div:last-child p { margin:0 0 24px; color:var(--muted); font-size:1.04rem; }
.faq-official { padding:82px 0; }
.faq-official-links { border-top:1px solid var(--line-strong); }
.faq-official-links a { display:grid; grid-template-columns:.75fr 1.25fr; gap:24px; padding:23px 4px; border-bottom:1px solid var(--line); }
.faq-official-links strong { color:var(--navy-950); }
.faq-official-links span { color:var(--muted); }

@media (max-width:1050px) {
  .loan-detail-hero-layout,.loan-situation-layout,.loan-section-head,.loan-decision-layout,.loan-caution-layout,.loan-page-faq-layout,.faq-hero-layout,.faq-index-layout,.faq-not-answer-layout,.faq-official-layout { grid-template-columns:1fr; gap:46px; }
  .loan-sticky-heading,.faq-filter-panel { position:static; }
  .loan-review-lens,.faq-hero-intro { padding:30px 0 0; border-left:0; border-top:4px solid var(--amber-500); }
  .faq-index-layout { max-width:900px; }
  .faq-filters { grid-template-columns:repeat(2,1fr); }
}
@media (max-width:760px) {
  .loan-detail-hero,.faq-hero { padding:54px 0 58px; }
  .loan-detail-copy h1,.faq-hero h1 { font-size:clamp(3.35rem,15vw,4.65rem); }
  .loan-review-lens h2 { font-size:2.5rem; }
  .loan-situation-section,.loan-evidence-section,.loan-decision-section,.loan-caution-section,.loan-page-faq,.faq-index,.faq-not-answer,.faq-official { padding:66px 0; }
  .loan-review-lines > div { grid-template-columns:40px 1fr; gap:12px; }
  .loan-review-lines p { grid-column:2; }
  .loan-evidence-grid { grid-template-columns:1fr; }
  .loan-evidence-grid > div:nth-child(odd) { border-right:0; }
  .loan-detail-cta-layout { align-items:flex-start; flex-direction:column; }
  .faq-filters { grid-template-columns:1fr; }
  .faq-not-answer-layout > div:last-child { padding:24px 0 0; border-left:0; border-top:4px solid var(--amber-500); }
  .faq-official-links a { grid-template-columns:1fr; gap:6px; }
}
@media (max-width:520px) {
  .loan-situation-ledger > div,.loan-caution-ledger > div,.loan-decision-steps li { grid-template-columns:40px 1fr; }
  .loan-evidence-grid > div { grid-template-columns:38px 1fr; }
  .faq-item > div { padding-right:38px; }
}


/* V9 context-aware enquiry continuation */
.enquiry-context-panel { display:grid; grid-template-columns:minmax(0,1fr) auto; gap:24px; align-items:start; margin:0 0 26px; padding:24px 26px; border:1px solid #c9d8e5; border-left:5px solid var(--amber-500); background:#f7fbff; }
.enquiry-context-panel[hidden] { display:none; }
.enquiry-context-panel h3 { margin:0 0 7px; color:var(--navy-950); font-size:1.42rem; line-height:1.12; letter-spacing:-.035em; }
.enquiry-context-panel p:not(.micro-label) { margin:0; color:var(--muted); }
.enquiry-context-panel ul { display:flex; flex-wrap:wrap; gap:8px; margin:16px 0 0; padding:0; list-style:none; }
.enquiry-context-panel li { padding:7px 10px; border:1px solid #cbd9e6; border-radius:999px; background:#fff; color:var(--navy-950); font-size:.76rem; font-weight:800; }
.enquiry-context-panel > button { min-height:42px; padding:0 4px; border:0; border-bottom:1px solid var(--amber-500); background:transparent; color:var(--navy-950); font-weight:900; cursor:pointer; white-space:nowrap; }
.contact-product-group[hidden] { display:none; }
.contact-product-group { margin-top:18px; padding-top:18px; border-top:1px solid var(--line); }
.form-context-line { display:flex; align-items:baseline; justify-content:space-between; gap:22px; margin-bottom:14px; }
.form-context-line strong { color:var(--navy-950); font-size:.94rem; }
.form-context-line span { color:var(--muted); font-size:.78rem; text-align:right; }
@media (max-width:760px) {
  .enquiry-context-panel { grid-template-columns:1fr; gap:16px; padding:21px 20px; }
  .enquiry-context-panel > button { justify-self:start; }
  .form-context-line { display:block; }
  .form-context-line span { display:block; margin-top:5px; text-align:left; }
}