@charset "UTF-8";
/* ==========================================================================
   The Mortgage Maestro — 2026 rebuild
   Hand-written. No frameworks, no CDN, no third-party fonts.
   Fonts are self-hosted copies of files already present on the account.
   ========================================================================== */

/* ---------- fonts ---------- */
@font-face{font-family:Poppins;font-style:normal;font-weight:400;font-display:swap;src:url(/assets/fonts/poppins-400.woff2) format("woff2");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+2000-206F,U+2074,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:Poppins;font-style:normal;font-weight:500;font-display:swap;src:url(/assets/fonts/poppins-500.woff2) format("woff2");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+2000-206F,U+2074,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:Poppins;font-style:normal;font-weight:600;font-display:swap;src:url(/assets/fonts/poppins-600.woff2) format("woff2");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+2000-206F,U+2074,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:Poppins;font-style:normal;font-weight:700;font-display:swap;src:url(/assets/fonts/poppins-700.woff2) format("woff2");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+2000-206F,U+2074,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:"Roboto Local";font-style:normal;font-weight:100 900;font-display:swap;src:url(/assets/fonts/roboto-var.woff2) format("woff2");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+2000-206F,U+2074,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}

/* ---------- tokens ---------- */
:root{
  --ink:#101a2c;
  --ink-soft:#1b2a44;
  --ink-line:rgba(255,255,255,.14);
  --body:#454f63;          /* 8.1:1 on white */
  --body-strong:#26314a;
  --muted:#667085;         /* 5.0:1 on white — captions only */
  --brand:#bc4b95;
  --brand-deep:#8e3570;    /* 5.4:1 on white — safe for text links */
  --brand-ink:#6f2857;
  --brand-wash:#fdf2f9;
  --gold:#e0921c;
  --line:#e5e9f0;
  --line-soft:#eef1f6;
  --surface:#fff;
  --surface-2:#f6f8fc;
  --surface-3:#eef2f8;
  --radius:14px;
  --radius-lg:22px;
  --shadow-sm:0 1px 2px rgba(16,26,44,.05),0 2px 8px rgba(16,26,44,.05);
  --shadow:0 2px 6px rgba(16,26,44,.05),0 14px 34px -14px rgba(16,26,44,.22);
  --shadow-lg:0 30px 70px -28px rgba(16,26,44,.42);
  --ff-head:Poppins,"Segoe UI",system-ui,sans-serif;
  --ff-body:"Roboto Local",system-ui,-apple-system,"Segoe UI",Arial,sans-serif;
  --pad:clamp(3.5rem,6vw,6.5rem);
  --wrap:1180px;
}

/* ---------- reset ---------- */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;overflow-x:clip}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.01ms!important;transition-duration:.01ms!important}}
body{margin:0;background:var(--surface);color:var(--body);
  font:400 1.0625rem/1.72 var(--ff-body);-webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;overflow-x:clip}
img,svg,iframe{max-width:100%}
img{height:auto;display:block}
h1,h2,h3,h4{font-family:var(--ff-head);color:var(--ink);margin:0 0 .5em;
  line-height:1.14;letter-spacing:-.02em;font-weight:700;text-wrap:balance}
h1{font-size:clamp(2.1rem,1.25rem + 2.7vw,3.45rem);line-height:1.06;letter-spacing:-.03em}
h2{font-size:clamp(1.65rem,1.2rem + 1.5vw,2.4rem)}
h3{font-size:clamp(1.15rem,1.02rem + .45vw,1.35rem);font-weight:600;letter-spacing:-.015em}
h4{font-size:1.0625rem;font-weight:600;letter-spacing:-.01em}
p{margin:0 0 1.05em}
ul,ol{margin:0 0 1.05em;padding-left:1.25em}
li{margin:0 0 .45em}
a{color:var(--brand-deep);text-decoration-thickness:1px;text-underline-offset:.18em}
a:hover{color:var(--brand-ink)}
strong,b{color:var(--body-strong);font-weight:600}
hr{border:0;border-top:1px solid var(--line);margin:2.5rem 0}
:focus-visible{outline:3px solid var(--brand);outline-offset:3px;border-radius:4px}
::selection{background:var(--brand);color:#fff}

.wrap{width:100%;max-width:var(--wrap);margin-inline:auto;padding-inline:clamp(1.15rem,4vw,2rem)}
.wrap--narrow{max-width:800px}
.visually-hidden{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;
  overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
.skip-link{position:absolute;left:1rem;top:-100px;z-index:200;background:var(--ink);color:#fff;
  padding:.75rem 1.1rem;border-radius:0 0 10px 10px;font-weight:600;transition:top .16s}
.skip-link:focus{top:0;color:#fff}
.anchor{display:block;position:relative;top:-90px;visibility:hidden}

/* ==========================================================================
   Header + navigation
   ========================================================================== */
/* NB: no backdrop-filter here. It creates a containing block for position:fixed
   descendants, which traps the mobile drawer inside the 76px header box. */
.site-header{position:sticky;top:0;z-index:100;background:#fff;
  border-bottom:1px solid var(--line-soft);box-shadow:0 1px 14px -6px rgba(16,26,44,.18)}
.site-header::after{content:"";position:absolute;inset:auto 0 -1px 0;height:1px;
  background:linear-gradient(90deg,transparent,rgba(188,75,149,.3),transparent)}
.header-bar{display:flex;align-items:center;gap:.9rem;min-height:76px;max-width:1340px}
.brand{flex:0 0 auto;display:flex;align-items:center;gap:.6rem;margin-right:auto;text-decoration:none}
.brand img{width:40px;height:40px}
.brand-text{display:flex;flex-direction:column;line-height:1.1}
.brand-text strong{font-family:var(--ff-head);font-weight:700;font-size:1.02rem;letter-spacing:-.025em;
  color:var(--ink)}
.brand-text small{font-size:.63rem;letter-spacing:.075em;text-transform:uppercase;color:var(--brand);
  font-weight:500;margin-top:.14rem}
@media (min-width:64rem){.brand img{width:46px;height:46px}
  .brand-text strong{font-size:1.16rem}.brand-text small{font-size:.66rem}}
@media (max-width:26rem){.brand-text small{display:none}.brand-text strong{font-size:.98rem}}

.nav{display:flex;align-items:center}
.nav > ul{display:flex;align-items:center;gap:.15rem;list-style:none;margin:0;padding:0}
.nav a,.nav .nav-btn{font-family:var(--ff-head);font-size:.94rem;font-weight:500;color:var(--ink);
  text-decoration:none;padding:.58rem .6rem;border-radius:9px;display:inline-flex;align-items:center;
  gap:.3rem;background:none;border:0;cursor:pointer;line-height:1.2;white-space:nowrap}
.nav a:hover,.nav .nav-btn:hover{background:var(--brand-wash);color:var(--brand-ink)}
.nav a[aria-current="page"]{color:var(--brand-ink);background:var(--brand-wash)}
.nav .caret{width:10px;height:10px;transition:transform .18s;flex:0 0 auto}
.nav .nav-btn[aria-expanded="true"]{background:var(--brand-wash);color:var(--brand-ink)}
.nav .nav-btn[aria-expanded="true"] .caret{transform:rotate(180deg)}
.has-sub{position:relative}
.sub{list-style:none;margin:0;padding:.4rem;position:absolute;top:calc(100% + .5rem);left:-.4rem;
  min-width:252px;background:#fff;border:1px solid var(--line);border-radius:14px;
  box-shadow:var(--shadow-lg);display:none;z-index:10}
.sub[data-open="true"]{display:block;animation:dropIn .16s ease-out}
@keyframes dropIn{from{opacity:0;transform:translateY(-5px)}to{opacity:1;transform:none}}
.sub li{margin:0}
/* align-items must be reset: .nav a sets `center`, which in a column flex
   centres the text horizontally. */
.sub a{display:flex;flex-direction:column;align-items:flex-start;text-align:left;gap:.1rem;
  padding:.6rem .7rem;border-radius:10px;font-weight:500;width:100%}
.sub a small{font-family:var(--ff-body);font-size:.8rem;font-weight:400;color:var(--muted)}
.sub a:hover small{color:var(--brand-ink)}

/* .header-bar prefix is needed: plain `.header-cta` ties with `.btn` on
   specificity and `.btn{display:inline-flex}` appears later in this file. */
.header-bar .header-cta{flex:0 0 auto;display:none}
@media (min-width:48rem){.header-bar .header-cta{display:inline-flex}}
.header-bar .header-call{flex:0 0 auto;display:inline-flex;align-items:center;justify-content:center;
  width:46px;height:42px;border-radius:11px;background:var(--brand);color:#fff;
  box-shadow:0 8px 18px -10px rgba(188,75,149,.9)}
.header-call svg{width:19px;height:19px}
.header-call:hover{background:var(--brand-deep);color:#fff}
@media (min-width:80rem){.header-bar .header-call{display:none}}
.header-tel{display:none;font-family:var(--ff-head);font-weight:600;font-size:.95rem;white-space:nowrap;
  color:var(--ink);text-decoration:none;align-items:center;gap:.4rem;padding:.55rem .7rem;border-radius:9px}
.header-tel:hover{background:var(--brand-wash);color:var(--brand-ink)}
.header-tel svg{width:17px;height:17px;color:var(--brand)}
@media (min-width:80rem){.header-tel{display:inline-flex}}

.nav-toggle{display:inline-flex;flex-direction:column;justify-content:center;gap:5px;width:46px;height:42px;
  padding:0 11px;border:1px solid var(--line);border-radius:11px;background:#fff;cursor:pointer}
.nav-toggle span{display:block;height:2px;background:var(--ink);border-radius:2px;transition:.2s}
.nav-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}
.nav-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.nav-scrim{position:fixed;inset:0;background:rgba(16,26,44,.5);z-index:98;opacity:0;transition:opacity .2s}
.nav-scrim[data-open="true"]{opacity:1}

/* --- mobile / tablet drawer --- */
@media (max-width:63.99rem){
  .nav{position:fixed;top:0;right:0;bottom:0;width:min(23rem,88vw);background:#fff;z-index:99;
    transform:translateX(102%);transition:transform .26s cubic-bezier(.4,0,.2,1);
    box-shadow:-24px 0 60px -30px rgba(16,26,44,.6);display:block;overflow-y:auto;
    padding:1rem 1.1rem 2.5rem;visibility:hidden}
  .nav[data-open="true"]{transform:none;visibility:visible}
  .nav > ul{flex-direction:column;align-items:stretch;gap:.1rem;margin-top:3.4rem}
  .nav > ul > li > a,.nav .nav-btn{width:100%;justify-content:space-between;font-size:1.05rem;
    font-weight:600;padding:.85rem .75rem;border-bottom:1px solid var(--line-soft);border-radius:0}
  .sub{position:static;display:none;box-shadow:none;border:0;border-bottom:1px solid var(--line-soft);
    border-radius:0;min-width:0;padding:.25rem .25rem .7rem .75rem;background:var(--surface-2)}
  .sub[data-open="true"]{display:block;animation:none}
  .nav-close{position:absolute;top:1rem;right:1rem}
  /* beats `.nav a{background:none}` so the drawer CTA keeps its brand fill */
  .nav a.nav-cta{margin-top:1.25rem;width:100%;justify-content:center;
    background:var(--brand);color:#fff;padding:.92rem 1.6rem;border-radius:11px;font-weight:600}
  .nav a.nav-cta:hover{background:var(--brand-deep);color:#fff}
}
@media (min-width:64rem){
  .nav-toggle,.nav-close,.nav-scrim{display:none!important}
  .nav .nav-cta{display:none}
}
.nav-close{display:inline-flex;align-items:center;justify-content:center;width:42px;height:42px;
  border:1px solid var(--line);border-radius:11px;background:#fff;cursor:pointer;color:var(--ink)}
body[data-nav-open="true"]{overflow:hidden}

/* ==========================================================================
   Buttons
   ========================================================================== */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55rem;
  font-family:var(--ff-head);font-weight:600;font-size:1rem;line-height:1.2;letter-spacing:-.01em;
  padding:.92rem 1.6rem;border-radius:11px;border:1.5px solid transparent;cursor:pointer;
  text-decoration:none;transition:transform .14s,box-shadow .18s,background .18s,color .18s;
  text-align:center}
.btn svg{width:18px;height:18px;flex:0 0 auto}
.btn:hover{transform:translateY(-1px)}
.btn:active{transform:translateY(0)}
.btn--primary{background:var(--brand);color:#fff;box-shadow:0 10px 24px -12px rgba(188,75,149,.9)}
.btn--primary:hover{background:var(--brand-deep);color:#fff;box-shadow:0 14px 30px -12px rgba(188,75,149,.95)}
.btn--ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.45)}
.btn--ghost:hover{background:rgba(255,255,255,.12);color:#fff;border-color:#fff}
.btn--line{background:#fff;color:var(--ink);border-color:var(--line)}
.btn--line:hover{border-color:var(--brand);color:var(--brand-ink);background:var(--brand-wash)}
.btn--light{background:#fff;color:var(--brand-ink)}
.btn--light:hover{background:var(--brand-wash);color:var(--brand-ink)}
.btn--sm{padding:.62rem 1.05rem;font-size:.92rem;border-radius:9px}
.btn--block{width:100%}
.btn-row{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1.75rem}
.link-arrow{display:inline-flex;align-items:center;gap:.4rem;font-family:var(--ff-head);
  font-weight:600;text-decoration:none;color:var(--brand-deep)}
.link-arrow svg{width:16px;height:16px;transition:transform .18s}
.link-arrow:hover svg{transform:translateX(3px)}

/* ==========================================================================
   Sections
   ========================================================================== */
.section{padding-block:var(--pad)}
.section--tight{padding-block:clamp(2.5rem,4.5vw,4rem)}
.section--wash{background:var(--surface-2)}
.section--ink{background:var(--ink);color:#c7d0e0}
.section--ink h2,.section--ink h3{color:#fff}
.section--brandwash{background:var(--brand-wash)}
.eyebrow{display:inline-flex;align-items:center;gap:.5rem;font-family:var(--ff-head);font-weight:600;
  font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;color:var(--brand-deep);
  margin:0 0 .9rem}
.eyebrow::before{content:"";width:22px;height:2px;background:var(--brand);border-radius:2px}
.section--ink .eyebrow{color:#f0a9d2}
.section--ink .eyebrow::before{background:#f0a9d2}
.section-head{max-width:46rem;margin-bottom:clamp(2rem,3.5vw,3rem)}
.section-head.center{margin-inline:auto;text-align:center}
.section-head.center .eyebrow{justify-content:center}
.lede{font-size:clamp(1.05rem,1rem + .35vw,1.2rem);line-height:1.65;color:var(--body)}
.section--ink .lede{color:#aebbd0}
.prose{max-width:68ch}
.prose:last-child >:last-child{margin-bottom:0}

/* ==========================================================================
   Hero
   ========================================================================== */
.hero{position:relative;background:var(--ink);color:#d3dbe8;overflow:hidden;isolation:isolate}
.hero::before{content:"";position:absolute;inset:0;z-index:-1;
  background:radial-gradient(90rem 42rem at 8% -20%,rgba(188,75,149,.3),transparent 62%),
             radial-gradient(60rem 40rem at 100% 120%,rgba(59,92,158,.32),transparent 60%),
             var(--ink)}
.hero-grid{display:grid;gap:clamp(2rem,4vw,3rem);align-items:center;
  padding-block:clamp(3rem,6vw,5.25rem)}
.hero h1{color:#fff}
.hero .eyebrow{color:#f3b4d8}
.hero .eyebrow::before{background:#f3b4d8}
.hero-lede{font-size:clamp(1.05rem,1rem + .4vw,1.22rem);line-height:1.65;color:#b9c4d6;
  max-width:34rem;margin-bottom:0}
.hero-proof{display:flex;flex-wrap:wrap;gap:.5rem .55rem;margin-top:1.9rem;padding:0;list-style:none}
.hero-proof li{display:inline-flex;align-items:center;gap:.45rem;margin:0;
  font-family:var(--ff-head);font-size:.83rem;font-weight:500;color:#dbe3ef;
  background:rgba(255,255,255,.08);border:1px solid var(--ink-line);
  padding:.42rem .78rem;border-radius:999px}
.hero-proof svg{width:14px;height:14px;color:#f3b4d8;flex:0 0 auto}

/* media panel bleeds to the viewport edge on desktop */
.hero-media{position:relative;border-radius:var(--radius-lg);overflow:hidden;
  box-shadow:var(--shadow-lg);aspect-ratio:16/10}
.hero-media img{width:100%;height:100%;object-fit:cover;object-position:62% 46%}
.hero-media::after{content:"";position:absolute;inset:0;
  background:linear-gradient(115deg,rgba(16,26,44,.42),transparent 48%)}

@media (min-width:60rem){
  .hero-grid{grid-template-columns:minmax(0,1.02fr) minmax(0,1fr);
    gap:clamp(2.5rem,4vw,4.5rem);padding-block:clamp(3.5rem,5.5vw,5.5rem);
    min-height:min(34rem,76vh)}
  .hero--bleed .hero-media{border-radius:var(--radius-lg) 0 0 var(--radius-lg);
    margin-right:calc((100vw - min(100vw,var(--wrap)))/-2 - clamp(1.15rem,4vw,2rem));
    aspect-ratio:auto;align-self:stretch;min-height:27rem}
}
.hero--plain .hero-grid{grid-template-columns:minmax(0,1fr);max-width:50rem;
  padding-block:clamp(2.75rem,5vw,4.5rem)}

/* stat strip overlapping the hero */
.statbar{position:relative;z-index:2;margin-top:calc(var(--pad) * -.42)}
.statbar-inner{display:grid;gap:1px;background:var(--line);border:1px solid var(--line);
  border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow)}
@media (min-width:40rem){.statbar-inner{grid-template-columns:repeat(3,1fr)}}
.stat{background:#fff;padding:clamp(1.3rem,2.4vw,1.9rem) clamp(1.2rem,2.2vw,1.8rem);text-align:center}
.stat-num{display:block;font-family:var(--ff-head);font-weight:700;letter-spacing:-.035em;
  font-size:clamp(1.9rem,1.4rem + 1.6vw,2.6rem);color:var(--brand);line-height:1.05}
.stat-label{display:block;margin-top:.3rem;font-size:.95rem;color:var(--body);line-height:1.45}

/* ==========================================================================
   Cards, features, grids
   ========================================================================== */
.grid{display:grid;gap:clamp(1rem,2vw,1.5rem)}
@media (min-width:38rem){.grid--2{grid-template-columns:repeat(2,1fr)}}
@media (min-width:38rem){.grid--3{grid-template-columns:repeat(2,1fr)}}
@media (min-width:62rem){.grid--3{grid-template-columns:repeat(3,1fr)}}
@media (min-width:38rem){.grid--4{grid-template-columns:repeat(2,1fr)}}
@media (min-width:66rem){.grid--4{grid-template-columns:repeat(4,1fr)}}

.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:clamp(1.4rem,2.3vw,1.85rem);transition:transform .2s,box-shadow .2s,border-color .2s}
.card >:last-child{margin-bottom:0}
.card h3{margin-bottom:.45rem}
.card p{font-size:.985rem;line-height:1.65}
.card--link:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#d8dfeb}
.card--pad0{padding:0;overflow:hidden}

.ico{display:inline-flex;align-items:center;justify-content:center;width:46px;height:46px;
  border-radius:13px;background:var(--brand-wash);color:var(--brand);margin-bottom:1.05rem;
  border:1px solid rgba(188,75,149,.16)}
.ico svg{width:22px;height:22px}
.section--ink .ico{background:rgba(255,255,255,.08);border-color:var(--ink-line);color:#f3b4d8}

/* service cards with a chevron affordance */
.svc{display:flex;flex-direction:column;height:100%;text-decoration:none;color:inherit}
.svc h3{color:var(--ink)}
.svc p{color:var(--body);margin-bottom:1.1rem}
.svc .svc-more{margin-top:auto;font-family:var(--ff-head);font-weight:600;font-size:.93rem;
  color:var(--brand-deep);display:inline-flex;align-items:center;gap:.4rem}
.svc .svc-more svg{width:15px;height:15px;transition:transform .18s}
.svc:hover .svc-more svg{transform:translateX(3px)}

/* two-column feature block */
.duo{display:grid;gap:clamp(2rem,4vw,3.5rem);align-items:center}
@media (min-width:58rem){
  .duo{grid-template-columns:repeat(2,minmax(0,1fr))}
  .duo--flip > :first-child{order:2}
  .duo--stretch{align-items:stretch}
  .duo--stretch > *{display:flex;flex-direction:column}
  .duo--stretch .map{flex:1}
}
.duo-media{border-radius:var(--radius-lg);overflow:hidden;background:var(--surface-2);
  box-shadow:var(--shadow);border:1px solid var(--line-soft)}
.duo-media img{width:100%}
.duo-media--plain{box-shadow:none;border:0;background:none}

/* checklists */
.ticks{list-style:none;padding:0;margin:1.4rem 0 0;display:grid;gap:.72rem}
.ticks li{position:relative;padding-left:2rem;margin:0;line-height:1.6}
.ticks li::before{content:"";position:absolute;left:0;top:.26em;width:1.25rem;height:1.25rem;
  border-radius:50%;background:var(--brand-wash);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23bc4b95' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E");
  background-size:.78rem;background-repeat:no-repeat;background-position:center}
.ticks li strong{display:block;color:var(--ink);font-family:var(--ff-head);font-weight:600}
.section--ink .ticks li::before{background-color:rgba(255,255,255,.1)}

/* chips */
.chips{display:flex;flex-wrap:wrap;gap:.5rem;padding:0;margin:0 0 1.5rem;list-style:none}
.chips li{margin:0}
.chips a,.chips span{display:inline-block;font-family:var(--ff-head);font-size:.9rem;font-weight:500;
  padding:.46rem .9rem;border-radius:999px;background:#fff;border:1px solid var(--line);
  color:var(--ink);text-decoration:none}
.chips a:hover{border-color:var(--brand);background:var(--brand-wash);color:var(--brand-ink)}
.chips--quiet span{background:var(--surface-2);border-color:transparent;color:var(--body);
  font-weight:400;font-family:var(--ff-body);font-size:.88rem}

/* pull quote */
.pullquote{margin:0;padding:clamp(1.5rem,3vw,2.2rem) clamp(1.5rem,3vw,2.4rem);
  background:var(--brand-wash);border-left:4px solid var(--brand);border-radius:0 var(--radius) var(--radius) 0}
.pullquote p{font-family:var(--ff-head);font-weight:500;font-size:clamp(1.05rem,1rem + .5vw,1.3rem);
  line-height:1.5;color:var(--ink);margin:0;letter-spacing:-.015em}
.pullquote footer{margin-top:.85rem;font-size:.9rem;color:var(--brand-ink);font-weight:600}

/* big centred testimonial band */
.quoteband{text-align:center;max-width:52rem;margin-inline:auto}
.quoteband .qmark{width:38px;height:38px;color:var(--brand);opacity:.6;margin:0 auto 1.1rem}
.quoteband blockquote{margin:0;font-family:var(--ff-head);font-weight:500;letter-spacing:-.02em;
  font-size:clamp(1.25rem,1.05rem + 1vw,1.85rem);line-height:1.42;color:var(--ink)}
.section--ink .quoteband blockquote{color:#fff}
.quoteband cite{display:block;margin-top:1.25rem;font-style:normal;font-size:.95rem;
  color:var(--muted);font-weight:500}
.section--ink .quoteband cite{color:#9fb0c8}

/* ==========================================================================
   Steps
   ========================================================================== */
.steps{display:grid;gap:clamp(1rem,2vw,1.5rem);counter-reset:step}
@media (min-width:58rem){.steps{grid-template-columns:repeat(3,1fr)}}
.step{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:clamp(1.5rem,2.4vw,2rem)}
.step-num{display:inline-flex;align-items:center;justify-content:center;width:42px;height:42px;
  border-radius:12px;background:var(--ink);color:#fff;font-family:var(--ff-head);font-weight:700;
  font-size:.95rem;margin-bottom:1.1rem;letter-spacing:0}
.step h3{margin-bottom:.4rem}
.step p{margin:0;font-size:.985rem}
.section--wash .step{background:#fff}

/* ==========================================================================
   Reviews rail
   ========================================================================== */
.reviews-head{display:flex;flex-wrap:wrap;align-items:flex-end;justify-content:space-between;
  gap:1.25rem;margin-bottom:1.75rem}
.reviews-head .section-head{margin-bottom:0}
.rail-nav{display:flex;gap:.5rem}
.rail-btn{width:44px;height:44px;border-radius:12px;border:1px solid var(--line);background:#fff;
  color:var(--ink);display:inline-flex;align-items:center;justify-content:center;cursor:pointer;
  transition:.18s}
.rail-btn:hover:not(:disabled){border-color:var(--brand);color:var(--brand-ink);background:var(--brand-wash)}
.rail-btn:disabled{opacity:.35;cursor:default}
.rail-btn svg{width:18px;height:18px}
.rail{display:flex;gap:1rem;overflow-x:auto;scroll-snap-type:x mandatory;scroll-behavior:smooth;
  padding:.4rem .4rem 1.4rem;margin:-.4rem -.4rem 0;
  scrollbar-width:thin;scrollbar-color:#cbd3e0 transparent}
.rail::-webkit-scrollbar{height:6px}
.rail::-webkit-scrollbar-thumb{background:#cbd3e0;border-radius:99px}
.review{flex:0 0 min(84%,24rem);scroll-snap-align:start;background:#fff;border:1px solid var(--line);
  border-radius:var(--radius-lg);padding:1.6rem;margin:0;display:flex;flex-direction:column;
  box-shadow:var(--shadow-sm)}
@media (min-width:44rem){.review{flex-basis:calc((100% - 1rem)/2)}}
@media (min-width:66rem){.rail{gap:1.25rem}.review{flex-basis:calc((100% - 2.5rem)/3)}}
.review-stars{display:flex;gap:2px;margin:0 0 .9rem;color:var(--gold)}
.review-stars svg{width:17px;height:17px;fill:currentColor}
.review-body{margin:0 0 1.35rem;font-size:.985rem;line-height:1.68;color:var(--body);quotes:none}
.review-foot{display:flex;align-items:center;gap:.7rem;margin-top:auto;
  padding-top:1rem;border-top:1px solid var(--line-soft)}
.review-avatar{width:38px;height:38px;border-radius:50%;background:var(--ink);color:#fff;flex:0 0 auto;
  display:inline-flex;align-items:center;justify-content:center;font-family:var(--ff-head);
  font-weight:600;font-size:.9rem;letter-spacing:0}
.review-name{display:block;font-family:var(--ff-head);font-weight:600;color:var(--ink);font-size:.95rem}
.review-meta{display:block;font-size:.8rem;color:var(--muted)}
.review-src{display:inline-flex;align-items:center;gap:.35rem;margin-left:auto;font-size:.76rem;
  color:var(--muted)}
.review-src svg{width:14px;height:14px}

/* ==========================================================================
   FAQs
   ========================================================================== */
.faqs{max-width:52rem;display:grid;gap:.75rem}
.faq{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;
  transition:border-color .18s,box-shadow .18s}
.faq[open]{border-color:#d7deea;box-shadow:var(--shadow-sm)}
.faq summary{list-style:none;cursor:pointer;padding:1.1rem 3.2rem 1.1rem 1.3rem;position:relative;
  font-family:var(--ff-head);font-weight:600;font-size:1.02rem;color:var(--ink);line-height:1.45}
.faq summary::-webkit-details-marker{display:none}
.faq summary:hover{color:var(--brand-ink)}
.faq summary::after{content:"";position:absolute;right:1.15rem;top:1.15rem;width:1.4rem;height:1.4rem;
  border-radius:8px;background:var(--brand-wash) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23bc4b95' stroke-width='3' stroke-linecap='round'%3E%3Cpath d='M12 5v14M5 12h14'/%3E%3C/svg%3E") center/.85rem no-repeat;
  transition:transform .2s}
.faq[open] summary::after{transform:rotate(45deg)}
.faq-body{padding:0 1.3rem 1.3rem;border-top:1px solid var(--line-soft);margin-top:-.1rem;padding-top:1.1rem}
.faq-body >:last-child{margin-bottom:0}
.faq-body p,.faq-body li{font-size:.99rem}

/* ==========================================================================
   Forms
   ========================================================================== */
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:clamp(1.5rem,3vw,2.4rem);box-shadow:var(--shadow)}
.form-card h2{font-size:clamp(1.35rem,1.2rem + .7vw,1.75rem)}
.field{margin-bottom:1.05rem}
.field label,.checks legend{display:block;font-family:var(--ff-head);font-weight:600;font-size:.9rem;
  color:var(--ink);margin-bottom:.4rem}
.field input,.field textarea,.field select{width:100%;font:400 1rem/1.5 var(--ff-body);color:var(--ink);
  background:#fff;border:1.5px solid var(--line);border-radius:11px;padding:.8rem .95rem;
  transition:border-color .16s,box-shadow .16s}
.field textarea{resize:vertical;min-height:7.5rem}
.field input::placeholder,.field textarea::placeholder{color:#9aa4b6}
.field input:hover,.field textarea:hover{border-color:#cfd7e4}
.field input:focus,.field textarea:focus,.field select:focus{outline:none;border-color:var(--brand);
  box-shadow:0 0 0 4px rgba(188,75,149,.14)}
.field input:focus-visible,.field textarea:focus-visible{outline:none}
@media (min-width:36rem){.field-row{display:grid;grid-template-columns:1fr 1fr;gap:0 1rem}}
.checks{border:0;margin:0 0 1.2rem;padding:0}
.checks legend{padding:0;margin-bottom:.6rem}
.checks-grid{display:grid;gap:.5rem}
@media (min-width:30rem){.checks-grid{grid-template-columns:1fr 1fr}}
.check{display:flex;align-items:center;gap:.6rem;padding:.6rem .8rem;border:1.5px solid var(--line);
  border-radius:10px;cursor:pointer;font-size:.93rem;transition:.16s;background:#fff}
.check:hover{border-color:#cfd7e4;background:var(--surface-2)}
.check:has(input:checked){border-color:var(--brand);background:var(--brand-wash);color:var(--brand-ink)}
.check input{width:1.1rem;height:1.1rem;accent-color:var(--brand);flex:0 0 auto;margin:0}
.hp-field{position:absolute!important;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-note{font-size:.84rem;line-height:1.6;color:var(--muted);margin-top:1.1rem}
.form-note p{margin-bottom:.7rem}
.form-note p:last-child{margin-bottom:0}
.form-msg{margin-top:1.1rem;padding:.9rem 1.1rem;border-radius:11px;font-size:.95rem;font-weight:500}
.form-msg--success{background:#e9f7ef;color:#19603a;border:1px solid #bfe6d0}
.form-msg--error{background:#fdeceb;color:#8c2019;border:1px solid #f5c6c2}

/* risk warning — always visually distinct, never hidden */
.risk{margin:1.25rem 0 0;padding:.9rem 1.1rem;border-radius:11px;background:#fff8ed;
  border:1px solid #f3dcb8;color:#6b4a12;font-size:.86rem;line-height:1.6;font-weight:500}
.risk p{margin:0}
.risk--inline{display:inline-block;margin:0 0 1.25rem}

/* ==========================================================================
   Calculators
   ========================================================================== */
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:clamp(1.5rem,3vw,2.3rem);box-shadow:var(--shadow);max-width:44rem}
.cw-mortgage-field-wrapper,.cw-sdlt-field-wrapper{margin-bottom:1.05rem}
.cw-mortgage-field-wrapper > label,.cw-sdlt-field-wrapper > label{display:block;
  font-family:var(--ff-head);font-weight:600;font-size:.9rem;color:var(--ink);margin-bottom:.4rem}
.cw-mortgage-field,.cw-sdlt-field{display:flex;align-items:stretch;border:1.5px solid var(--line);
  border-radius:11px;overflow:hidden;background:#fff;transition:border-color .16s,box-shadow .16s}
.cw-mortgage-field:focus-within,.cw-sdlt-field:focus-within{border-color:var(--brand);
  box-shadow:0 0 0 4px rgba(188,75,149,.14)}
.cw-mortgage-field input,.cw-sdlt-field input,.cw-mortgage-field select{flex:1;min-width:0;border:0;
  background:none;font:400 1rem/1.5 var(--ff-body);color:var(--ink);padding:.8rem .95rem}
.cw-mortgage-field input:focus,.cw-sdlt-field input:focus,.cw-mortgage-field select:focus{outline:none}
.cw-mortgage-append{display:inline-flex;align-items:center;padding:0 .95rem;background:var(--surface-2);
  border-left:1px solid var(--line);font-size:.9rem;color:var(--muted)}
.cw-sdlt-field-wrapper-options label{display:flex;align-items:center;gap:.6rem;padding:.65rem .8rem;
  border:1.5px solid var(--line);border-radius:10px;margin-bottom:.5rem;cursor:pointer;
  font-size:.94rem;font-family:var(--ff-body);font-weight:400;color:var(--body)}
.cw-sdlt-field-wrapper-options label:hover{border-color:#cfd7e4;background:var(--surface-2)}
.cw-sdlt-field-wrapper-options label:has(input:checked){border-color:var(--brand);
  background:var(--brand-wash);color:var(--brand-ink)}
.cw-sdlt-field-wrapper-options input{width:1.1rem;height:1.1rem;accent-color:var(--brand);margin:0}
.cw-mortgage-field-submit{margin:1.4rem 0 0}
.cw-mortgage-field-submit input[type=submit]{width:100%;-webkit-appearance:none;appearance:none}
#cw-mortgage-results:not(:empty),#cw-sdlt-results:not(:empty){margin-top:1.5rem}
#cw-mortgage-results-total,#cw-mortgage-results-interest-paid,#cw-sdlt-results-total{
  font-family:var(--ff-head);font-weight:600;font-size:1.02rem;color:var(--ink);
  background:var(--brand-wash);border:1px solid rgba(188,75,149,.2);border-radius:12px;
  padding:.9rem 1.1rem;margin-bottom:.6rem}
#cw-mortgage-results-total:empty,#cw-mortgage-results-interest-paid:empty,
#cw-sdlt-results-total:empty{display:none}
#cw-mortgage-results-total span,#cw-mortgage-results-interest-paid span,#cw-sdlt-results-total span{
  color:var(--brand-deep);font-weight:700}
.cw-sdlt-heading{font-family:var(--ff-head);font-weight:600;color:var(--ink);margin:1.3rem 0 .6rem}
#cw-sdlt-results-table:empty,#cw-sdlt-results-table:empty + *{display:none}
#cw-sdlt-results-table table{width:100%;border-collapse:collapse;font-size:.93rem}
#cw-sdlt-results-table th{text-align:left;font-family:var(--ff-head);font-weight:600;color:var(--ink);
  border-bottom:2px solid var(--line);padding:.6rem .5rem;font-size:.85rem;letter-spacing:.02em;
  text-transform:uppercase}
#cw-sdlt-results-table td{padding:.6rem .5rem;border-bottom:1px solid var(--line-soft);color:var(--body)}
#cw-sdlt-results-table tr:last-child td{font-weight:600;color:var(--ink);border-bottom:0}
.cw-mortgage-disclaimer,.cw-sdlt-disclaimer{display:block;margin-top:1.2rem;font-size:.82rem;
  line-height:1.6;color:var(--muted)}

/* ==========================================================================
   Team
   ========================================================================== */
.person{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);overflow:hidden;
  display:flex;flex-direction:column;transition:transform .2s,box-shadow .2s}
.person:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.person-photo{aspect-ratio:1;background:var(--surface-3);overflow:hidden}
.person-photo img{width:100%;height:100%;object-fit:cover}
/* people without a photo fall back to the logo — show it as a mark, not a portrait */
.person-photo img[src*="MM-logo-01"]{object-fit:contain;padding:22%;background:var(--surface-3)}
.person-body{padding:1.4rem 1.5rem 1.6rem}
.person h3{margin-bottom:.15rem}
.person-role{font-family:var(--ff-head);font-size:.84rem;font-weight:600;letter-spacing:.04em;
  text-transform:uppercase;color:var(--brand-deep);margin:0 0 .9rem}
.person-body p{font-size:.95rem;line-height:1.65}
.person-body p:last-child{margin-bottom:0}
.person-more{margin-top:.6rem}
.person-more summary{cursor:pointer;font-family:var(--ff-head);font-weight:600;font-size:.9rem;
  color:var(--brand-deep);list-style:none}
.person-more summary::-webkit-details-marker{display:none}
.person-more summary::after{content:" ▾"}
.person-more[open] summary::after{content:" ▴"}
.person-more[open] summary{margin-bottom:.8rem}

/* ==========================================================================
   Misc blocks
   ========================================================================== */
.map{border-radius:var(--radius-lg);overflow:hidden;border:1px solid var(--line);background:var(--surface-2);
  box-shadow:var(--shadow-sm)}
.map iframe{display:block;width:100%;height:100%;min-height:24rem;border:0}
.cta-band{position:relative;overflow:hidden;background:var(--ink);color:#c7d0e0;isolation:isolate}
.cta-band::before{content:"";position:absolute;inset:0;z-index:-1;
  background:radial-gradient(55rem 30rem at 15% 120%,rgba(188,75,149,.4),transparent 60%),
             radial-gradient(50rem 30rem at 95% -30%,rgba(59,92,158,.35),transparent 60%)}
.cta-band h2{color:#fff;font-size:clamp(1.5rem,1.15rem + 1.1vw,2.1rem);max-width:22ch}
.cta-band .lede,.cta-band p{color:#aebbd0}
.cta-inner{display:grid;gap:1.75rem;align-items:center}
@media (min-width:56rem){.cta-inner{grid-template-columns:minmax(0,1.55fr) auto}
  .cta-inner .btn-row{margin-top:0;justify-content:flex-end}}
.contact-cards{display:grid;gap:1rem}
@media (min-width:46rem){.contact-cards{grid-template-columns:repeat(3,1fr)}}
.contact-card{display:flex;flex-direction:column;gap:.35rem;background:#fff;border:1px solid var(--line);
  border-radius:var(--radius);padding:1.35rem;text-decoration:none;color:inherit;transition:.2s}
.contact-card:hover{border-color:var(--brand);box-shadow:var(--shadow);transform:translateY(-2px)}
.contact-card .ico{width:40px;height:40px;margin-bottom:.65rem;border-radius:11px}
.contact-card .ico svg{width:19px;height:19px}
.contact-card b{font-family:var(--ff-head);color:var(--ink);font-size:1.02rem;font-weight:600}
.contact-card span{font-size:.9rem;color:var(--muted)}
.areas{columns:2;column-gap:2rem;font-size:.95rem;color:var(--body)}
@media (min-width:48rem){.areas{columns:4}}
.areas li{break-inside:avoid;margin-bottom:.3rem}
.notice{background:var(--surface-2);border:1px solid var(--line);border-left:3px solid var(--brand);
  border-radius:0 var(--radius) var(--radius) 0;padding:1.1rem 1.3rem;font-size:.92rem;line-height:1.65}
.notice >:last-child{margin-bottom:0}
.display-code{font-family:var(--ff-head);font-weight:700;font-size:clamp(4rem,10vw,7rem);
  line-height:1;color:var(--brand);margin:0 0 .4rem;letter-spacing:-.05em}

/* legal / privacy long-form */
.legal-doc{max-width:48rem}
.legal-doc h2{font-size:clamp(1.3rem,1.15rem + .6vw,1.6rem);margin-top:2.4rem}
.legal-doc h3{margin-top:1.8rem}
.legal-doc p,.legal-doc li{font-size:.99rem;line-height:1.75}
.legal-doc u:empty{display:none}

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer{background:var(--ink);color:#9fadc4;padding-block:clamp(3rem,5vw,4.5rem) 0;
  font-size:.95rem}
.footer-grid{display:grid;gap:2.5rem}
@media (min-width:44rem){.footer-grid{grid-template-columns:repeat(2,1fr);gap:2.5rem 2rem}}
@media (min-width:64rem){.footer-grid{grid-template-columns:1.5fr 1fr 1fr 1fr;gap:2.5rem}}
.site-footer h2{font-family:var(--ff-head);font-size:.82rem;font-weight:600;letter-spacing:.11em;
  text-transform:uppercase;color:#fff;margin:0 0 1.1rem}
.site-footer ul{list-style:none;padding:0;margin:0;display:grid;gap:.6rem}
.site-footer li{margin:0}
.site-footer a{color:#b8c4d6;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline;text-underline-offset:.2em}
.footer-brand{display:flex;align-items:center;gap:.75rem;margin-bottom:1.3rem}
.footer-mark{display:inline-flex;align-items:center;justify-content:center;width:52px;height:52px;
  background:#fff;border-radius:14px;flex:0 0 auto}
.footer-mark img{width:38px;height:38px}
.site-footer .brand-text strong{color:#fff;font-size:1.2rem}
.site-footer .brand-text small{color:#f0a9d2}
.footer-tagline{max-width:26rem;margin-bottom:1.5rem;color:#9fadc4;font-size:.95rem}
.contact-list{display:grid;gap:.75rem;margin-bottom:1.5rem}
.contact-list a{display:flex;align-items:flex-start;gap:.65rem;color:#dbe3ef}
.contact-list svg{width:17px;height:17px;color:var(--brand);flex:0 0 auto;margin-top:.22em}
.social{display:flex;gap:.6rem}
.social a{display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;
  border-radius:11px;border:1px solid var(--ink-line);background:rgba(255,255,255,.05);color:#dbe3ef}
.social a:hover{background:var(--brand);border-color:var(--brand);color:#fff}
.social svg{width:18px;height:18px;fill:currentColor}
.legal{margin-top:clamp(2.5rem,4vw,3.5rem);padding-top:2rem;border-top:1px solid var(--ink-line);
  font-size:.82rem;line-height:1.7;color:#8d9bb2}
.legal p{margin:0 0 .6rem;max-width:72rem}
.legal .risk-warning{color:#f4d9e9;font-weight:600;letter-spacing:.01em}
.legal u:empty{display:none}
.site-credit{margin:0;padding:1.4rem 0;border-top:1px solid var(--ink-line);font-size:.8rem;color:#7d8ba3}
.site-credit a{color:#7d8ba3}
.footer-bottom{margin-top:2rem;border-top:1px solid var(--ink-line)}

/* ==========================================================================
   print
   ========================================================================== */
@media print{
  .site-header,.site-footer .social,.nav-scrim,.btn,.rail-nav{display:none!important}
  body{color:#000;font-size:11pt}
  .hero{background:none;color:#000}
  .hero h1,.hero .lede{color:#000}
}