/* ══════════════════════════════════════════════════════════════
   ASCEND LENDING PARTNERS — styles.css  (Light Theme Redesign)
   Gold #C8A451 · Navy #0A1A2F · Charcoal #333B48
   Steel Grey #6C727F · Light Grey #E7E9EC · Off White #F7F8FA
   Fonts: Cinzel (headings) · Montserrat (body)
══════════════════════════════════════════════════════════════ */

/* ── Variables ─────────────────────────────────────────────── */
:root {
    --gold: #c8a451;
    --gold-light: #d9b96a;
    --gold-dark: #a07c2e;
    --gold-dim: rgba(200, 164, 81, 0.1);
    --gold-border: rgba(200, 164, 81, 0.3);

    --navy: #0a1a2f;
    --navy-mid: #0d2040;
    --charcoal: #333b48;
    --steel: #6c727f;
    --light-grey: #e7e9ec;
    --off-white: #f7f8fa;
    --white: #ffffff;

    --text-primary: #0a1a2f;
    --text-secondary: #333b48;
    --text-muted: #6c727f;
    --text-light: #9aa0ab;

    --font-heading: "Cinzel", "Trajan Pro", Georgia, serif;
    --font-body: "Montserrat", "Inter", system-ui, sans-serif;

    --max-w: 1200px;
    --px: clamp(1.5rem, 5vw, 3rem);
    --radius-sm: 4px;
    --radius: 8px;
    --radius-lg: 12px;

    --transition: 0.28s cubic-bezier(0.4, 0, 0.2, 1);

    --shadow-xs: 0 1px 3px rgba(0, 0, 0, 0.06);
    --shadow-sm: 0 2px 8px rgba(0, 0, 0, 0.07), 0 1px 2px rgba(0, 0, 0, 0.04);
    --shadow-md: 0 4px 16px rgba(0, 0, 0, 0.08), 0 1px 4px rgba(0, 0, 0, 0.04);
    --shadow-lg: 0 8px 32px rgba(0, 0, 0, 0.1), 0 2px 8px rgba(0, 0, 0, 0.05);
}

/* ── Reset & Base ───────────────────────────────────────────── */
*,
*::before,
*::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html {
    scroll-behavior: smooth;
    -webkit-text-size-adjust: 100%;
}

body {
    font-family: var(--font-body);
    background-color: var(--white);
    color: var(--text-secondary);
    font-size: 1rem;
    line-height: 1.7;
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
}

img,
svg {
    display: block;
    max-width: 100%;
}
a {
    color: inherit;
    text-decoration: none;
}
ul {
    list-style: none;
}
button {
    cursor: pointer;
    border: none;
    background: none;
    font: inherit;
}

/* ── Container ──────────────────────────────────────────────── */
.container {
    width: 100%;
    max-width: var(--max-w);
    margin: 0 auto;
    padding: 0 var(--px);
}

/* ── Utilities ──────────────────────────────────────────────── */
.text-gold {
    color: var(--gold);
}
.text-navy {
    color: var(--navy);
}

.gold-line {
    display: inline-block;
    width: 36px;
    height: 1px;
    background: var(--gold);
    vertical-align: middle;
    margin: 0 0.6rem;
    opacity: 0.7;
}

/* ── Buttons ────────────────────────────────────────────────── */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    padding: 0.8rem 1.8rem;
    border-radius: var(--radius-sm);
    font-family: var(--font-body);
    font-size: 0.8rem;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    transition: var(--transition);
    white-space: nowrap;
    cursor: pointer;
}

/* Primary gold button */
.btn--gold {
    background: var(--gold);
    color: var(--white);
    border: 1.5px solid var(--gold);
}
.btn--gold:hover {
    background: var(--gold-dark);
    border-color: var(--gold-dark);
    transform: translateY(-1px);
    box-shadow: var(--shadow-md);
}
.btn--gold:active {
    transform: translateY(0);
}

/* Gold button with dark navy text — for use on dark backgrounds */
.btn--gold-dark {
    background: var(--gold);
    color: var(--navy);
    border: 1.5px solid var(--gold);
    font-weight: 700;
}
.btn--gold-dark:hover {
    background: var(--gold-light);
    border-color: var(--gold-light);
    color: var(--navy);
    transform: translateY(-1px);
    box-shadow: var(--shadow-md);
}
.btn--gold-dark:active {
    transform: translateY(0);
}

/* Primary navy button */
.btn--navy {
    background: var(--navy);
    color: var(--white);
    border: 1.5px solid var(--navy);
}
.btn--navy:hover {
    background: var(--navy-mid);
    border-color: var(--navy-mid);
    transform: translateY(-1px);
    box-shadow: var(--shadow-md);
}
.btn--navy:active {
    transform: translateY(0);
}

/* Outline button — navy */
.btn--outline {
    background: transparent;
    color: var(--navy);
    border: 1.5px solid var(--navy);
}
.btn--outline:hover {
    background: var(--navy);
    color: var(--white);
}

/* Outline gold */
.btn--outline-gold {
    background: transparent;
    color: var(--gold);
    border: 1.5px solid var(--gold-border);
}
.btn--outline-gold:hover {
    background: var(--gold-dim);
    border-color: var(--gold);
}

/* Outline light — for use on dark backgrounds */
.btn--outline-light {
    background: transparent;
    color: var(--white);
    border: 1.5px solid rgba(255, 255, 255, 0.45);
}
.btn--outline-light:hover {
    background: rgba(255, 255, 255, 0.08);
    border-color: rgba(255, 255, 255, 0.75);
}

.btn--lg {
    padding: 1rem 2.25rem;
    font-size: 0.85rem;
}
.btn--sm {
    padding: 0.65rem 1.5rem;
    font-size: 0.78rem;
}
.btn--full {
    width: 100%;
}

/* ── Section shared ─────────────────────────────────────────── */
.section-header {
    text-align: center;
    margin-bottom: 3.5rem;
}

.section-eyebrow {
    font-family: var(--font-body);
    font-size: 0.7rem;
    font-weight: 600;
    letter-spacing: 0.22em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 0.75rem;
}

.section-title {
    font-family: var(--font-heading);
    font-size: clamp(1.8rem, 3.5vw, 2.6rem);
    font-weight: 700;
    color: var(--navy);
    line-height: 1.2;
    margin-bottom: 1rem;
}

.section-sub {
    font-size: 1rem;
    color: var(--steel);
    max-width: 540px;
    margin: 0 auto;
    line-height: 1.8;
}

/* Gold rule divider under section titles */
.section-rule {
    display: block;
    width: 40px;
    height: 2px;
    background: var(--gold);
    margin: 1rem auto 0;
    opacity: 0.7;
}

/* ── Scroll-reveal ──────────────────────────────────────────── */
.solution-card,
.process__step,
.why-card,
.trust-stat,
.contact__detail {
    opacity: 0;
    transform: translateY(24px);
    transition:
        opacity 0.55s ease,
        transform 0.55s ease;
}

.solution-card.is-visible,
.process__step.is-visible,
.why-card.is-visible,
.trust-stat.is-visible,
.contact__detail.is-visible {
    opacity: 1;
    transform: translateY(0);
}

/* ════════════════════════════════════════════════════════════
   NAVBAR
════════════════════════════════════════════════════════════ */
.navbar {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    padding: 1.1rem 0;
    background: rgba(255, 255, 255, 0.92);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    border-bottom: 1px solid transparent;
    transition:
        border-color var(--transition),
        box-shadow var(--transition),
        padding var(--transition);
}

.navbar--scrolled {
    border-bottom-color: var(--light-grey);
    box-shadow: var(--shadow-sm);
    padding: 0.75rem 0;
}

.navbar__inner {
    display: flex;
    align-items: center;
    gap: 2rem;
}

/* ── Logo ── */
.navbar__logo {
    display: flex;
    align-items: center;
    text-decoration: none;
    flex-shrink: 0;
}

/* The actual supplied logo image */
.navbar__logo-img {
    display: block;
    height: 48px;
    width: auto;
    max-width: 180px;
    object-fit: contain;
}

/* ── Nav links ── */
.navbar__nav {
    display: flex;
    align-items: center;
    gap: 2rem;
    margin-left: auto;
}

.navbar__nav a {
    font-size: 0.75rem;
    font-weight: 500;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--charcoal);
    transition: color var(--transition);
    position: relative;
}

.navbar__nav a::after {
    content: "";
    position: absolute;
    bottom: -3px;
    left: 0;
    width: 0;
    height: 1.5px;
    background: var(--gold);
    transition: width var(--transition);
}

.navbar__nav a:hover {
    color: var(--navy);
}
.navbar__nav a:hover::after {
    width: 100%;
}

.navbar__cta {
    margin-left: 0.75rem;
}

/* ── Hamburger ── */
.navbar__hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    margin-left: auto;
    padding: 4px;
}

.navbar__hamburger span {
    display: block;
    width: 22px;
    height: 1.5px;
    background: var(--navy);
    border-radius: 2px;
    transition: var(--transition);
    transform-origin: center;
}

.navbar__hamburger.is-open span:nth-child(1) {
    transform: translateY(6.5px) rotate(45deg);
}
.navbar__hamburger.is-open span:nth-child(2) {
    opacity: 0;
    transform: scaleX(0);
}
.navbar__hamburger.is-open span:nth-child(3) {
    transform: translateY(-6.5px) rotate(-45deg);
}

/* ── Mobile menu ── */
.navbar__mobile-menu {
    display: none;
    flex-direction: column;
    background: transparent;
    border-top: 1px solid transparent;
    padding: 0 var(--px);
    max-height: 0;
    overflow: hidden;
    transition:
        max-height 0.4s ease,
        padding 0.4s ease,
        border-color 0.4s ease;
}

.navbar__mobile-menu.is-open {
    max-height: 400px;
    padding: 1rem var(--px) 1.5rem;
    border-top-color: var(--light-grey);
    margin-top: 0.75rem;
}

.mobile-link {
    display: block;
    padding: 0.85rem 0;
    font-size: 0.85rem;
    font-weight: 500;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--charcoal);
    border-bottom: 1px solid var(--light-grey);
    transition: color var(--transition);
}

.mobile-link:hover {
    color: var(--gold);
}
.mobile-cta {
    margin-top: 1.25rem;
    text-align: center;
}

/* ════════════════════════════════════════════════════════════
   MEGA MENU
════════════════════════════════════════════════════════════ */

/* Trigger button inside desktop nav */
.navbar__mega-wrapper {
    position: static; /* panel positions off .navbar */
}
.navbar__mega-trigger {
    display: inline-flex;
    align-items: center;
    gap: 0.3rem;
    font-size: 0.75rem;
    font-weight: 500;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--charcoal);
    background: none;
    border: none;
    padding: 0;
    font-family: inherit;
    cursor: pointer;
    position: relative;
    transition: color var(--transition);
}
.navbar__mega-trigger::after {
    content: "";
    position: absolute;
    bottom: -3px;
    left: 0;
    width: 0;
    height: 1.5px;
    background: var(--gold);
    transition: width var(--transition);
}
.navbar__mega-trigger:hover,
.navbar__mega-trigger[aria-expanded="true"] {
    color: var(--navy);
}
.navbar__mega-trigger:hover::after,
.navbar__mega-trigger[aria-expanded="true"]::after {
    width: 100%;
}

.navbar__mega-chevron {
    width: 10px;
    height: 6px;
    flex-shrink: 0;
    transition: transform var(--transition);
}
.navbar__mega-trigger[aria-expanded="true"] .navbar__mega-chevron {
    transform: rotate(180deg);
}

/* Dropdown panel — sibling of .navbar__inner, child of .navbar */
.navbar__mega {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--white);
    border-top: 1px solid var(--light-grey);
    border-bottom: 1px solid var(--light-grey);
    box-shadow:
        0 12px 32px rgba(0, 0, 0, 0.08),
        0 2px 8px rgba(0, 0, 0, 0.04);
    padding: 1.75rem 0 2rem;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-6px);
    transition:
        opacity 0.22s ease,
        transform 0.22s ease,
        visibility 0s linear 0.22s;
    z-index: 999;
    pointer-events: none;
}
.navbar__mega.is-open {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
    pointer-events: all;
    transition:
        opacity 0.22s ease,
        transform 0.22s ease,
        visibility 0s linear 0s;
}

.navbar__mega-inner {
    display: grid;
    grid-template-columns: repeat(3, 1fr) 220px;
    gap: 0;
}
.navbar__mega-col {
    padding: 0 2rem;
    border-right: 1px solid var(--light-grey);
}
.navbar__mega-col:last-child {
    border-right: none;
}
.navbar__mega-col-title {
    font-size: 0.62rem;
    font-weight: 700;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 0.9rem;
    padding-bottom: 0.6rem;
    border-bottom: 1px solid var(--light-grey);
}
.navbar__mega-col a:not(.btn) {
    display: block;
    font-size: 0.8rem;
    font-weight: 500;
    color: var(--charcoal);
    padding: 0.32rem 0;
    letter-spacing: 0.02em;
    transition:
        color var(--transition),
        padding-left var(--transition);
    text-decoration: none;
}
.navbar__mega-col a:not(.btn):hover {
    color: var(--gold);
    padding-left: 4px;
}
.navbar__mega-cta-wrap {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
    justify-content: flex-end;
    height: 100%;
    padding-top: 0.5rem;
}
.navbar__mega-cta-wrap p {
    font-size: 0.8rem;
    color: var(--steel);
    line-height: 1.6;
}
.navbar__mega-cta-wrap .btn {
    align-self: flex-start;
}

/* Mobile mega — hidden on mobile, accordion instead */
@media (max-width: 768px) {
    .navbar__mega {
        display: none;
    }
    .navbar__mega-wrapper {
        display: contents;
    }
    .navbar__mega-trigger {
        display: none;
    }
}

/* ── Mobile Accordion (Business Lending) ────────────────────── */
.mobile-accordion__trigger {
    display: flex;
    align-items: center;
    justify-content: space-between;
    width: 100%;
    padding: 0.85rem 0;
    font-size: 0.85rem;
    font-weight: 500;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--charcoal);
    background: none;
    border: none;
    border-bottom: 1px solid var(--light-grey);
    font-family: inherit;
    cursor: pointer;
    transition: color var(--transition);
}
.mobile-accordion__trigger.is-open {
    color: var(--gold);
    border-bottom-color: transparent;
}
.mobile-accordion__chevron {
    width: 12px;
    height: 7px;
    flex-shrink: 0;
    transition: transform var(--transition);
}
.mobile-accordion__trigger.is-open .mobile-accordion__chevron {
    transform: rotate(180deg);
}
.mobile-accordion__panel {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease;
}
.mobile-accordion__panel.is-open {
    max-height: 1200px;
}
.mobile-accordion__grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.25rem;
    padding: 1rem 0.25rem 1.25rem;
}
.mobile-accordion__col-title {
    font-size: 0.6rem;
    font-weight: 700;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 0.5rem;
}
.mobile-sub-link {
    display: block;
    padding: 0.3rem 0;
    font-size: 0.8rem;
    color: var(--charcoal);
    transition: color var(--transition);
    text-decoration: none;
}
.mobile-sub-link:hover {
    color: var(--gold);
}

/* ════════════════════════════════════════════════════════════
   HERO
════════════════════════════════════════════════════════════ */
.hero {
    position: relative;
    min-height: 0;
    display: flex;
    align-items: center;
    background: url("images/hero-bg.webp") center / cover no-repeat var(--navy);
    overflow: hidden;
    padding: 5.5rem 0 1.5rem;
    padding-top: 6.5rem;
}

/* Dark overlay so text stays readable over the photo */
.hero::before {
    content: "";
    position: absolute;
    inset: 0;
    background: rgba(10, 26, 47, 0.68);
    z-index: 0;
}

/* Subtle architectural line texture */
.hero__bg-grid {
    display: none;
}
.hero__bg-grid--unused {
    position: absolute;
    inset: 0;
    background-image:
        linear-gradient(rgba(200, 164, 81, 0.06) 1px, transparent 1px),
        linear-gradient(90deg, rgba(200, 164, 81, 0.06) 1px, transparent 1px);
    background-size: 72px 72px;
    mask-image: radial-gradient(
        ellipse 70% 70% at 60% 50%,
        black 30%,
        transparent 80%
    );
    pointer-events: none;
}

/* Soft right-side wash */
.hero__glow {
    display: none;
}

.hero__glow--left {
    width: 500px;
    height: 500px;
    top: 0;
    left: -100px;
    background: radial-gradient(
        circle,
        rgba(200, 164, 81, 0.05) 0%,
        transparent 65%
    );
    border-radius: 50%;
}

.hero__glow--right {
    width: 600px;
    height: 600px;
    top: -80px;
    right: -120px;
    background: radial-gradient(
        circle,
        rgba(10, 26, 47, 0.04) 0%,
        transparent 65%
    );
    border-radius: 50%;
}

.hero__inner {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 5rem;
    align-items: center;
    padding-top: 1.5rem;
    padding-bottom: 2.5rem;
}

.hero__eyebrow {
    display: flex;
    align-items: center;
    font-size: 0.68rem;
    font-weight: 600;
    letter-spacing: 0.24em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 1.1rem;
}

.hero__headline {
    font-family: var(--font-heading);
    font-size: clamp(2rem, 4vw, 3.2rem);
    font-weight: 700;
    color: var(--white);
    line-height: 1.12;
    letter-spacing: 0.01em;
    margin-bottom: 1.5rem;
}

.hero__sub {
    font-size: 1rem;
    color: rgba(255, 255, 255, 0.78);
    max-width: 460px;
    line-height: 1.85;
    margin-bottom: 2.5rem;
}

.hero__actions {
    display: flex;
    gap: 1rem;
    flex-wrap: wrap;
}

/* Hero reassurances — 3-point trust strip below CTA buttons */
.hero__reassurances {
    list-style: none;
    padding: 0;
    margin: 1.5rem 0 0;
    display: flex;
    flex-wrap: wrap;
    gap: 0.6rem 1.6rem;
    align-items: center;
}
.hero__reassurances li {
    display: flex;
    align-items: center;
    gap: 0.45rem;
    font-size: 0.8rem;
    font-weight: 500;
    color: rgba(255, 255, 255, 0.78);
    letter-spacing: 0.02em;
    white-space: nowrap;
}
.hero__reassurances svg {
    width: 16px;
    height: 16px;
    flex-shrink: 0;
}

/* Hero visual — floating stat cards */
.hero__visual {
    position: relative;
    height: 420px;
}

.hero__card {
    position: absolute;
    background: var(--white);
    border: 1px solid var(--light-grey);
    border-radius: var(--radius-lg);
    padding: 1.25rem 1.5rem;
    display: flex;
    flex-direction: column;
    gap: 0.2rem;
    box-shadow: var(--shadow-md);
    animation: floatCard 7s ease-in-out infinite;
}

.hero__card--1 {
    top: 30px;
    right: 20px;
    animation-delay: 0s;
}
.hero__card--2 {
    top: 170px;
    left: 10px;
    animation-delay: 2.3s;
}
.hero__card--3 {
    bottom: 60px;
    right: 30px;
    animation-delay: 4.6s;
}

@keyframes floatCard {
    0%,
    100% {
        transform: translateY(0);
    }
    50% {
        transform: translateY(-8px);
    }
}

.hero__card-label {
    font-size: 0.65rem;
    font-weight: 600;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    color: var(--steel);
}

.hero__card-value {
    font-family: var(--font-heading);
    font-size: 1.55rem;
    font-weight: 700;
    color: var(--navy);
    line-height: 1;
}

.hero__card-value span {
    color: var(--gold);
}

/* Decorative emblem */
.hero__emblem {
    position: absolute;
    bottom: 20px;
    left: 50%;
    transform: translateX(-50%);
    width: 160px;
    height: auto;
    opacity: 0.18;
    animation: floatCard 9s ease-in-out infinite;
    animation-delay: 1.5s;
}

.hero__emblem img {
    width: 100%;
    height: auto;
    display: block;
}

/* Scroll indicator */
.hero__scroll-indicator {
    position: absolute;
    bottom: 2rem;
    left: 50%;
    transform: translateX(-50%);
    z-index: 1;
}

.hero__scroll-indicator span {
    display: block;
    width: 1px;
    height: 44px;
    background: linear-gradient(to bottom, var(--gold), transparent);
    animation: scrollPulse 2.2s ease-in-out infinite;
    opacity: 0.6;
}

@keyframes scrollPulse {
    0%,
    100% {
        opacity: 0.4;
        transform: scaleY(1);
    }
    50% {
        opacity: 0.8;
        transform: scaleY(0.7);
    }
}

/* ════════════════════════════════════════════════════════════
   TRUST BAR
════════════════════════════════════════════════════════════ */
.trust-bar {
    background: var(--white);
    border-top: 1px solid var(--light-grey);
    border-bottom: 1px solid var(--light-grey);
    padding: 2.25rem 0;
}

.trust-bar__inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 1.5rem;
}

.trust-stat {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 0.2rem;
    flex: 1;
    min-width: 120px;
}

.trust-stat__value {
    font-family: var(--font-heading);
    font-size: clamp(1.3rem, 2vw, 1.75rem);
    font-weight: 700;
    color: var(--navy);
    line-height: 1;
}

.trust-stat__value span {
    color: var(--gold);
}

.trust-stat__label {
    font-size: 0.68rem;
    font-weight: 500;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--steel);
    margin-top: 2px;
}

.trust-bar__divider {
    width: 1px;
    height: 36px;
    background: var(--light-grey);
    flex-shrink: 0;
}

/* ════════════════════════════════════════════════════════════
   LENDING SOLUTIONS
════════════════════════════════════════════════════════════ */
.solutions {
    padding: 6rem 0;
    background: var(--off-white);
}

.solutions__grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
    align-items: start;
}

.solution-card {
    background: var(--white);
    border: 1px solid var(--light-grey);
    border-radius: var(--radius-lg);
    padding: 2.25rem 2rem;
    position: relative;
    overflow: hidden;
    transition:
        transform var(--transition),
        box-shadow var(--transition),
        border-color var(--transition);
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.solution-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: var(--gold-border);
}

.solution-card--featured {
    border-color: var(--gold-border);
    box-shadow: var(--shadow-md);
}

/* Card photography — full-bleed top image via wrapper */
/* Wrapper takes the negative margins; img fills 100% of wrapper */
.card-img-wrap {
    overflow: hidden;
    flex-shrink: 0;
}
.card-img-wrap--solution {
    margin: -2.25rem -2rem 1.75rem;
    border-radius: var(--radius-lg) var(--radius-lg) 0 0;
}
.card-img-wrap--wwh {
    margin: -2rem -1.75rem 1.25rem;
    border-radius: var(--radius-lg) var(--radius-lg) 0 0;
}
.card-img-wrap--result {
    margin: -2rem -2rem 1.25rem;
    border-radius: var(--radius-lg) var(--radius-lg) 0 0;
}
.solution-card__img,
.wwh-card__img,
.result-card__img {
    display: block;
    width: 100%;
    object-fit: cover;
    object-position: center top;
}
.solution-card__img {
    aspect-ratio: 3 / 2;
}
.wwh-card__img {
    aspect-ratio: 4 / 3;
}
.result-card__img {
    aspect-ratio: 16 / 9;
}

.solution-card__badge {
    position: absolute;
    top: -12px;
    left: 50%;
    transform: translateX(-50%);
    background: var(--gold);
    color: var(--white);
    font-size: 0.62rem;
    font-weight: 700;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    padding: 0.28rem 1rem;
    border-radius: 20px;
    white-space: nowrap;
}

.solution-card__icon {
    width: 48px;
    height: 48px;
    background: var(--gold-dim);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 10px;
    flex-shrink: 0;
}

.solution-card__icon svg {
    width: 100%;
    height: 100%;
}

.solution-card__title {
    font-family: var(--font-heading);
    font-size: 1.05rem;
    font-weight: 600;
    color: var(--navy);
    letter-spacing: 0.03em;
}

.solution-card__desc {
    font-size: 0.88rem;
    color: var(--steel);
    line-height: 1.78;
}

.solution-card__list {
    display: flex;
    flex-direction: column;
    gap: 0.45rem;
    flex: 1;
}

.solution-card__list li {
    font-size: 0.83rem;
    color: var(--charcoal);
    padding-left: 1rem;
    position: relative;
}

.solution-card__list li::before {
    content: "";
    position: absolute;
    left: 0;
    top: 0.57em;
    width: 4px;
    height: 4px;
    background: var(--gold);
    border-radius: 50%;
}

.solution-card__link {
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--gold);
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
    margin-top: 0.5rem;
    transition:
        gap var(--transition),
        color var(--transition);
}

.solution-card__link:hover {
    gap: 0.6rem;
    color: var(--gold-dark);
}

/* ════════════════════════════════════════════════════════════
   PROCESS
════════════════════════════════════════════════════════════ */
.process {
    padding: 6rem 0;
    background: var(--navy);
}

/* Scoped text overrides for dark background */
.process .section-title {
    color: var(--white);
}
.process .section-sub {
    color: rgba(255, 255, 255, 0.72);
}

.process__steps {
    display: flex;
    align-items: flex-start;
    gap: 0;
}

.process__step {
    flex: 1;
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 1rem;
    padding: 0 0.75rem;
}

.process__step-icon {
    width: 82px;
    height: 82px;
    background: transparent;
    border: 2px solid var(--gold);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 18px;
    flex-shrink: 0;
    transition:
        background var(--transition),
        box-shadow var(--transition);
}

.process__step:hover .process__step-icon {
    background: rgba(200, 164, 81, 0.08);
    box-shadow: 0 0 0 6px rgba(200, 164, 81, 0.06);
}

.process__step-icon svg {
    width: 100%;
    height: 100%;
}

.process__step-title {
    font-family: var(--font-body);
    font-size: 0.72rem;
    font-weight: 700;
    color: var(--gold);
    letter-spacing: 0.13em;
    text-transform: uppercase;
}

.process__step-desc {
    font-size: 0.84rem;
    color: rgba(255, 255, 255, 0.75);
    line-height: 1.7;
    max-width: 165px;
}

.process__connector {
    flex-shrink: 0;
    color: var(--gold);
    font-size: 2.4rem;
    line-height: 1;
    margin-top: 22px; /* vertically aligns arrow with icon centre */
    padding: 0 0.25rem;
}

/* ════════════════════════════════════════════════════════════
   WHY ASCEND
════════════════════════════════════════════════════════════ */
.why-ascend {
    position: relative;
    padding: 6rem 0;
    background: var(--off-white);
}

.why-ascend__bg {
    display: none;
} /* removed heavy gradients */

.why-ascend__inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 5rem;
    align-items: start;
}

.why-ascend__left {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
    position: sticky;
    top: 110px;
}

.why-ascend__body {
    font-size: 0.98rem;
    color: var(--steel);
    line-height: 1.88;
}

.why-ascend__right {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.why-card {
    display: flex;
    gap: 1.25rem;
    align-items: flex-start;
    background: var(--white);
    border: 1px solid var(--light-grey);
    border-left: 2.5px solid var(--gold-border);
    border-radius: var(--radius);
    padding: 1.4rem 1.5rem;
    transition:
        border-left-color var(--transition),
        box-shadow var(--transition);
}

.why-card:hover {
    border-left-color: var(--gold);
    box-shadow: var(--shadow-md);
}

.why-card__icon {
    width: 40px;
    height: 40px;
    flex-shrink: 0;
    background: var(--gold-dim);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 8px;
}

.why-card__icon svg {
    width: 100%;
    height: 100%;
}

.why-card__title {
    font-family: var(--font-heading);
    font-size: 0.88rem;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 0.3rem;
    letter-spacing: 0.03em;
}

.why-card__desc {
    font-size: 0.84rem;
    color: var(--steel);
    line-height: 1.72;
}

/* ════════════════════════════════════════════════════════════
   CTA BANNER  (intentional dark section)
════════════════════════════════════════════════════════════ */
.cta-banner {
    position: relative;
    padding: 5rem 0;
    background: var(--navy);
    overflow: hidden;
}

/* Subtle texture on dark section */
.cta-banner::before {
    content: "";
    position: absolute;
    inset: 0;
    background-image:
        linear-gradient(rgba(200, 164, 81, 0.04) 1px, transparent 1px),
        linear-gradient(90deg, rgba(200, 164, 81, 0.04) 1px, transparent 1px);
    background-size: 60px 60px;
    pointer-events: none;
}

.cta-banner__glow {
    display: none;
}

.cta-banner__inner {
    position: relative;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 3rem;
    flex-wrap: wrap;
}

.cta-banner__eyebrow {
    font-size: 0.68rem;
    font-weight: 600;
    letter-spacing: 0.22em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 0.65rem;
}

.cta-banner__title {
    font-family: var(--font-heading);
    font-size: clamp(1.6rem, 3vw, 2.2rem);
    font-weight: 700;
    color: var(--white);
    line-height: 1.22;
    margin-bottom: 0.65rem;
}

.cta-banner__sub {
    font-size: 0.92rem;
    color: rgba(255, 255, 255, 0.62);
    max-width: 420px;
    line-height: 1.75;
}

.cta-banner__actions {
    display: flex;
    gap: 1rem;
    flex-shrink: 0;
    flex-wrap: wrap;
}

/* ════════════════════════════════════════════════════════════
   CONTACT / LEAD FORM
════════════════════════════════════════════════════════════ */
.contact {
    padding: 6rem 0;
    background: var(--white);
}

.contact__inner {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(0, 1.45fr);
    gap: 5rem;
    align-items: start;
}

.contact__left {
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
    position: sticky;
    top: 110px;
    min-width: 0;
}

.contact__right {
    min-width: 0;
    width: 100%;
    overflow: hidden;
}

.contact__body {
    font-size: 0.97rem;
    color: var(--steel);
    line-height: 1.82;
}

.contact__details {
    display: flex;
    flex-direction: column;
    gap: 0.9rem;
    margin-top: 0.5rem;
}

.contact__detail {
    display: flex;
    align-items: center;
    gap: 0.8rem;
    font-size: 0.88rem;
    color: var(--charcoal);
}

.contact__detail svg {
    width: 18px;
    height: 18px;
    flex-shrink: 0;
}

/* ── Form card ── */
.contact-form {
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
    background: var(--off-white);
    border: 1px solid var(--light-grey);
    border-radius: var(--radius-lg);
    padding: 2.5rem 2.5rem 3rem;
    box-sizing: border-box;
    width: 100%;
    min-width: 0;
}

.form-row {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
    gap: 1.1rem;
    width: 100%;
    box-sizing: border-box;
}

.form-row > .form-group {
    min-width: 0;
    overflow: hidden;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 0.4rem;
}

.form-group label {
    font-size: 0.72rem;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--charcoal);
}

.required {
    color: var(--gold);
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    box-sizing: border-box;
    background: var(--white);
    border: 1px solid var(--light-grey);
    border-radius: var(--radius-sm);
    color: var(--navy);
    font-family: var(--font-body);
    font-size: 0.88rem;
    padding: 0.72rem 0.9rem;
    outline: none;
    transition:
        border-color var(--transition),
        box-shadow var(--transition);
    -webkit-appearance: none;
}

.form-group select {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath fill='%236C727F' d='M8 11L3 6h10z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 0.75rem center;
    background-size: 11px;
    padding-right: 2rem;
    cursor: pointer;
    background-color: var(--white);
}

.form-group textarea {
    resize: vertical;
    min-height: 110px;
}

.form-group input::placeholder,
.form-group textarea::placeholder {
    color: var(--text-light);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    border-color: var(--gold);
    box-shadow: 0 0 0 3px rgba(200, 164, 81, 0.1);
}

.form-group input.is-invalid,
.form-group select.is-invalid {
    border-color: #e05252;
    box-shadow: 0 0 0 3px rgba(224, 82, 82, 0.08);
}

.form-error {
    font-size: 0.72rem;
    color: #c94a4a;
    min-height: 1em;
}

.form-disclaimer {
    font-size: 0.72rem;
    color: var(--text-light);
    line-height: 1.6;
    text-align: center;
    margin-top: 1rem;
}

/* Spinner */
.btn-loading {
    align-items: center;
    gap: 0.5rem;
}

.spinner {
    width: 16px;
    height: 16px;
    animation: spin 0.8s linear infinite;
}

@keyframes spin {
    to {
        transform: rotate(360deg);
    }
}

/* Success */
.form-success {
    align-items: center;
    gap: 1rem;
    background: rgba(200, 164, 81, 0.07);
    border: 1px solid var(--gold-border);
    border-radius: var(--radius);
    padding: 1.25rem 1.5rem;
    color: var(--charcoal);
}

.form-success svg {
    width: 26px;
    height: 26px;
    flex-shrink: 0;
}

.form-success strong {
    display: block;
    color: var(--gold-dark);
    font-size: 0.88rem;
    font-weight: 700;
    letter-spacing: 0.04em;
    margin-bottom: 0.2rem;
}

.form-success p {
    font-size: 0.84rem;
    color: var(--steel);
}

/* ════════════════════════════════════════════════════════════
   WHO WE HELP
════════════════════════════════════════════════════════════ */
.who-we-help {
    padding: 6rem 0;
    background: var(--off-white);
}
.wwh__grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.25rem;
}
.wwh-card {
    background: var(--white);
    border: 1px solid var(--light-grey);
    border-radius: var(--radius-lg);
    padding: 2rem 1.75rem;
    display: flex;
    flex-direction: column;
    overflow: hidden;
    transition:
        transform var(--transition),
        box-shadow var(--transition),
        border-color var(--transition);
}
.wwh-card:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-md);
    border-color: var(--gold-border);
}
.wwh-card__icon {
    width: 44px;
    height: 44px;
    background: var(--gold-dim);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.25rem;
    flex-shrink: 0;
}
.wwh-card__icon svg {
    width: 22px;
    height: 22px;
}
.wwh-card__title {
    font-family: var(--font-heading);
    font-size: 0.88rem;
    font-weight: 600;
    color: var(--navy);
    letter-spacing: 0.03em;
    margin-bottom: 0.6rem;
}
.wwh-card__desc {
    font-size: 0.82rem;
    color: var(--steel);
    line-height: 1.72;
    flex: 1;
}
.wwh-card__tag {
    display: inline-block;
    margin-top: 1rem;
    font-size: 0.62rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--gold-dark);
    background: var(--gold-dim);
    padding: 0.28rem 0.65rem;
    border-radius: 2px;
}

/* ════════════════════════════════════════════════════════════
   RESULTS
════════════════════════════════════════════════════════════ */
.results {
    padding: 6rem 0;
    background: var(--white);
}
.results__grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
}
.result-card {
    border: 1px solid var(--light-grey);
    border-radius: var(--radius-lg);
    padding: 2rem;
    position: relative;
    display: flex;
    flex-direction: column;
    transition:
        transform var(--transition),
        box-shadow var(--transition);
    overflow: hidden;
}
/* Push the gold top-border below the image */
.result-card::before {
    display: none;
}
.result-card__img + .result-card__type {
    padding-top: 0.25rem;
}
.result-card::before {
    content: "";
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--gold);
}
.result-card:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-md);
}
.result-card__type {
    font-size: 0.62rem;
    font-weight: 700;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 0.75rem;
}
.result-card__amount {
    font-family: var(--font-heading);
    font-size: 2.1rem;
    font-weight: 700;
    color: var(--navy);
    line-height: 1;
    margin-bottom: 0.3rem;
}
.result-card__meta {
    font-size: 0.78rem;
    color: var(--steel);
    margin-bottom: 1.25rem;
}
.result-card__outcome {
    font-size: 0.83rem;
    color: var(--charcoal);
    line-height: 1.7;
    border-top: 1px solid var(--light-grey);
    padding-top: 1rem;
    flex: 1;
}
.result-card__badge {
    display: inline-block;
    background: var(--gold-dim);
    color: var(--gold-dark);
    font-size: 0.62rem;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    padding: 0.3rem 0.7rem;
    border-radius: 2px;
    margin-top: 1rem;
}

/* ════════════════════════════════════════════════════════════
   FAQ — HOMEPAGE
════════════════════════════════════════════════════════════ */
.faq-section {
    padding: 6rem 0;
    background: var(--off-white);
}
.faq-list {
    max-width: 760px;
    margin: 0 auto;
}
.faq-list .faq-item {
    border-bottom: 1px solid var(--light-grey);
    opacity: 0;
    transform: translateY(16px);
    transition:
        opacity 0.5s ease,
        transform 0.5s ease;
}
.faq-list .faq-item.is-visible {
    opacity: 1;
    transform: translateY(0);
}
.faq-list .faq-question {
    display: flex;
    align-items: center;
    justify-content: space-between;
    width: 100%;
    padding: 1.35rem 20px;
    font-family: var(--font-body);
    font-size: 0.92rem;
    font-weight: 600;
    color: var(--navy);
    letter-spacing: 0.01em;
    text-align: left;
    cursor: pointer;
    gap: 1rem;
    background: none;
    border: none;
}
.faq-list .faq-question::after {
    content: "";
    flex-shrink: 0;
    width: 20px;
    height: 20px;
    background: url("data:image/svg+xml,%3Csvg viewBox='0 0 20 20' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M5 7.5l5 5 5-5' stroke='%23C8A451' stroke-width='1.6' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E")
        center/contain no-repeat;
    transition: transform var(--transition);
}
.faq-list .faq-item.is-open .faq-question::after {
    transform: rotate(180deg);
}
.faq-list .faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s ease;
}
.faq-list .faq-item.is-open .faq-answer {
    max-height: 2000px;
}
.faq-list .faq-answer p {
    font-size: 0.88rem;
    color: var(--steel);
    line-height: 1.8;
    padding-bottom: 1.4rem;
}

/* Responsive */
@media (max-width: 1024px) {
    .wwh__grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .results__grid {
        grid-template-columns: repeat(3, 1fr);
    }
}
@media (max-width: 768px) {
    .wwh__grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .results__grid {
        grid-template-columns: 1fr;
        max-width: 420px;
        margin: 0 auto;
    }
}
@media (max-width: 480px) {
    .wwh__grid {
        grid-template-columns: 1fr;
    }
}

/* ════════════════════════════════════════════════════════════
   FOOTER
════════════════════════════════════════════════════════════ */
.footer {
    background: var(--navy);
    border-top: 1px solid rgba(200, 164, 81, 0.15);
}

.footer__inner {
    display: grid;
    grid-template-columns: 1.3fr 2fr;
    gap: 4rem;
    padding-top: 4rem;
    padding-bottom: 3rem;
}

.footer__brand {
    display: flex;
    flex-direction: column;
    gap: 0.8rem;
}

.footer__logo {
    display: inline-flex;
    margin-bottom: 0.4rem;
}

.footer__logo-img {
    height: 48px;
    width: auto;
    object-fit: contain;
}

.footer__tagline {
    font-family: var(--font-heading);
    font-size: 0.72rem;
    font-weight: 400;
    letter-spacing: 0.24em;
    text-transform: uppercase;
    color: var(--gold);
    opacity: 0.7;
}

.footer__credit-rep {
    font-size: 0.7rem;
    color: rgba(255, 255, 255, 0.25);
    line-height: 1.6;
    margin-top: 0.25rem;
}

.footer__links {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
}

.footer__col {
    display: flex;
    flex-direction: column;
    gap: 0.55rem;
}

.footer__col-title {
    font-size: 0.68rem;
    font-weight: 700;
    letter-spacing: 0.2em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 0.5rem;
}

.footer__col a,
.footer__col span {
    font-size: 0.83rem;
    color: rgba(255, 255, 255, 0.45);
    transition: color var(--transition);
}

.footer__col a:hover {
    color: var(--white);
}

.footer__bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.07);
    padding: 1.4rem 0;
}

.footer__bottom-inner {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 2rem;
    flex-wrap: wrap;
}

.footer__bottom p {
    font-size: 0.75rem;
    color: rgba(255, 255, 255, 0.3);
}

.footer__disclaimer {
    max-width: 520px;
    text-align: right;
    line-height: 1.6;
}

/* ════════════════════════════════════════════════════════════
   RESPONSIVE
════════════════════════════════════════════════════════════ */

/* Tablet ≤ 1024px */
@media (max-width: 1024px) {
    .hero__inner {
        grid-template-columns: 1fr;
        text-align: center;
        gap: 3rem;
    }

    .hero__eyebrow {
        justify-content: center;
    }
    .hero__sub {
        margin: 0 auto 2.5rem;
    }
    .hero__actions {
        justify-content: center;
    }
    .hero__reassurances {
        justify-content: center;
    }

    .hero__visual {
        display: flex;
        align-items: center;
        justify-content: center;
        gap: 1.25rem;
        height: auto;
        flex-wrap: wrap;
        order: -1;
    }

    .hero__card {
        position: static;
        animation: none;
        flex: 1;
        min-width: 130px;
        max-width: 155px;
    }

    .hero__emblem {
        display: none;
    }

    .solutions__grid {
        grid-template-columns: 1fr;
        max-width: 480px;
        margin: 0 auto;
    }

    .why-ascend__inner {
        grid-template-columns: 1fr;
        gap: 2.5rem;
    }

    .why-ascend__left {
        position: static;
    }

    .contact__inner {
        grid-template-columns: 1fr;
        gap: 2.5rem;
    }

    .contact__left {
        position: static;
    }

    .cta-banner__inner {
        flex-direction: column;
        text-align: center;
    }

    .cta-banner__sub {
        margin: 0 auto;
    }
    .cta-banner__actions {
        justify-content: center;
    }

    .footer__inner {
        grid-template-columns: 1fr;
        gap: 2.5rem;
    }

    .process__steps {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 2.5rem 1rem;
        max-width: 560px;
        margin: 0 auto;
    }

    .process__connector {
        display: none;
    }
}

/* Mobile ≤ 768px */
@media (max-width: 768px) {
    .navbar__nav,
    .navbar__cta {
        display: none;
    }
    .navbar__hamburger {
        display: flex;
    }
    .navbar__mobile-menu {
        display: flex;
    }

    .hero {
        padding-top: 68px;
        background-image: url("images/hero-bg-mobile.webp");
        background-position: center top;
    }

    .hero__visual {
        display: none;
    }

    .hero__card {
        padding: 1rem 1.2rem;
        min-width: 105px;
    }

    .hero__card-value {
        font-size: 1.3rem;
    }

    .solutions__grid {
        max-width: 100%;
    }
    .solution-card {
        padding: 1.75rem 1.4rem;
    }
    .card-img-wrap--solution {
        margin: -1.75rem -1.4rem 1.25rem;
    }

    .process__steps {
        grid-template-columns: 1fr 1fr;
        max-width: 420px;
        gap: 2rem 0.5rem;
        margin: 0 auto;
    }

    .trust-bar__divider {
        display: none;
    }
    .trust-bar__inner {
        justify-content: center;
        gap: 1.75rem;
    }
    .trust-stat {
        min-width: 100px;
    }

    .form-row {
        grid-template-columns: 1fr;
    }
    .contact-form {
        padding: 1.5rem 1.1rem;
    }

    .footer__links {
        grid-template-columns: 1fr 1fr;
    }

    .footer__bottom-inner {
        flex-direction: column;
        align-items: center;
        text-align: center;
    }

    .footer__disclaimer {
        text-align: center;
        max-width: 100%;
    }

    .cta-banner__actions {
        flex-direction: column;
        width: 100%;
    }
    .cta-banner__actions .btn {
        width: 100%;
    }
}

/* Small ≤ 480px */
@media (max-width: 480px) {
    .hero__actions .btn {
        width: 100%;
    }
    .hero__actions {
        flex-direction: column;
    }
    .hero__reassurances {
        gap: 0.55rem 1rem;
    }
    .hero__reassurances li {
        font-size: 0.76rem;
    }

    .footer__links {
        grid-template-columns: 1fr;
    }
    .section-title {
        font-size: 1.65rem;
    }
}

/* ════════════════════════════════════════════════════════════
   MODERNISED CONTACT FORM — Step wizard, pills, slider
════════════════════════════════════════════════════════════ */

/* ── Trust badges under contact details ─────────────────── */
.contact__trust {
    display: flex;
    flex-direction: column;
    gap: 0.65rem;
    margin-top: 1.5rem;
    padding-top: 1.5rem;
    border-top: 1px solid var(--light-grey);
}
.contact__trust-item {
    display: flex;
    align-items: center;
    gap: 0.65rem;
    font-size: 0.82rem;
    color: var(--steel);
    font-family: var(--font-body);
}
.contact__trust-item svg {
    width: 15px;
    height: 15px;
    flex-shrink: 0;
}

/* ── Step progress indicator ─────────────────────────────── */
.form-stepper {
    display: flex;
    align-items: center;
    margin-bottom: 2rem;
    padding: 0 0.25rem;
}
.form-stepper__step {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.4rem;
    flex-shrink: 0;
}
.form-stepper__dot {
    width: 32px;
    height: 32px;
    border-radius: 50%;
    border: 2px solid var(--light-grey);
    background: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-body);
    font-size: 0.78rem;
    font-weight: 700;
    color: var(--text-light);
    transition: background 0.25s ease, border-color 0.25s ease, color 0.25s ease, transform 0.25s ease;
}
.form-stepper__step.active .form-stepper__dot {
    background: var(--navy);
    border-color: var(--navy);
    color: #fff;
    transform: scale(1.1);
    box-shadow: 0 0 0 4px rgba(13,27,46,0.1);
}
.form-stepper__step.done .form-stepper__dot {
    background: var(--gold);
    border-color: var(--gold);
    color: var(--navy);
}
.form-stepper__step.done .form-stepper__dot span::before {
    content: "✓";
}
.form-stepper__step.done .form-stepper__dot span {
    font-size: 0;
}
.form-stepper__step.done .form-stepper__dot span::before {
    font-size: 0.85rem;
}
.form-stepper__label {
    font-size: 0.68rem;
    font-weight: 600;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: var(--text-light);
    font-family: var(--font-body);
    transition: color 0.25s ease;
    white-space: nowrap;
}
.form-stepper__step.active .form-stepper__label {
    color: var(--navy);
}
.form-stepper__step.done .form-stepper__label {
    color: var(--gold-dark, #a0801f);
}
.form-stepper__line {
    flex: 1;
    height: 2px;
    background: var(--light-grey);
    margin: 0 0.5rem;
    margin-bottom: 1.4rem;
    border-radius: 2px;
    transition: background 0.3s ease;
}

/* ── Step panel header ───────────────────────────────────── */
.form-step__header {
    margin-bottom: 1.5rem;
}
.form-step__title {
    font-family: var(--font-heading);
    font-size: 1.05rem;
    color: var(--navy);
    margin-bottom: 0.25rem;
}
.form-step__sub {
    font-family: var(--font-body);
    font-size: 0.84rem;
    color: var(--steel);
}

/* ── Navigation buttons row ─────────────────────────────── */
.form-nav {
    margin-top: 0.5rem;
}
.form-nav--split {
    display: flex;
    gap: 0.75rem;
    align-items: center;
}
.form-nav--split .btn:last-child {
    flex: 1;
}
.btn--outline {
    background: transparent;
    border: 1.5px solid var(--light-grey);
    color: var(--charcoal);
    padding: 0.72rem 1.25rem;
    border-radius: var(--radius-sm);
    font-family: var(--font-body);
    font-size: 0.82rem;
    font-weight: 600;
    letter-spacing: 0.06em;
    cursor: pointer;
    display: inline-flex;
    align-items: center;
    transition: border-color 0.2s, color 0.2s, background 0.2s;
    white-space: nowrap;
}
.btn--outline:hover {
    border-color: var(--navy);
    color: var(--navy);
    background: rgba(13,27,46,0.03);
}

/* ── Pill buttons ────────────────────────────────────────── */
.pill-grid {
    display: flex;
    flex-wrap: wrap;
    gap: 0.5rem;
    margin-top: 0.5rem;
    width: 100%;
    box-sizing: border-box;
}
.form-step {
    width: 100%;
    box-sizing: border-box;
}
.pill {
    padding: 0.45rem 1rem;
    border-radius: 999px;
    border: 1.5px solid var(--light-grey);
    background: var(--white);
    color: var(--charcoal);
    font-family: var(--font-body);
    font-size: 0.8rem;
    font-weight: 500;
    cursor: pointer;
    transition: border-color 0.18s, background 0.18s, color 0.18s, transform 0.15s, box-shadow 0.18s;
    white-space: nowrap;
}
.pill:hover {
    border-color: var(--navy);
    color: var(--navy);
    background: rgba(13,27,46,0.03);
    transform: translateY(-1px);
}
.pill.active {
    background: var(--navy);
    border-color: var(--navy);
    color: #fff;
    box-shadow: 0 3px 10px rgba(13,27,46,0.2);
    transform: translateY(-1px);
}

/* ── Loan amount slider ──────────────────────────────────── */
.slider-display {
    text-align: center;
    margin-bottom: 0.75rem;
}
.slider-amount {
    font-family: var(--font-heading);
    font-size: 2rem;
    font-weight: 700;
    color: var(--navy);
    letter-spacing: -0.02em;
    transition: color 0.2s;
}
.slider-wrap {
    position: relative;
    padding: 0.25rem 0;
    width: 100%;
    box-sizing: border-box;
}
.amount-slider {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    display: block;
    box-sizing: border-box;
    height: 6px;
    border-radius: 999px;
    background: linear-gradient(
        to right,
        var(--navy) 0%,
        var(--navy) var(--fill, 23.6%),
        #e2e5ea var(--fill, 23.6%),
        #e2e5ea 100%
    );
    outline: none;
    cursor: pointer;
    border: none;
    padding: 0;
    transition: background 0.1s;
}
.amount-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--navy);
    border: 3px solid #fff;
    box-shadow: 0 2px 8px rgba(13,27,46,0.35);
    cursor: pointer;
    transition: transform 0.15s, box-shadow 0.15s;
}
.amount-slider::-webkit-slider-thumb:hover,
.amount-slider::-webkit-slider-thumb:active {
    transform: scale(1.2);
    box-shadow: 0 3px 14px rgba(13,27,46,0.4);
}
.amount-slider::-moz-range-thumb {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--navy);
    border: 3px solid #fff;
    box-shadow: 0 2px 8px rgba(13,27,46,0.35);
    cursor: pointer;
}
.slider-labels {
    display: flex;
    justify-content: space-between;
    margin-top: 0.5rem;
    font-family: var(--font-body);
    font-size: 0.75rem;
    color: var(--text-light);
}

/* ── Micro-animations: focused form group ────────────────── */
.form-group {
    transition: transform 0.2s ease;
}
.form-group.is-focused {
    transform: translateY(-2px);
}
.form-group.is-focused label {
    color: var(--navy);
}
.form-group input,
.form-group textarea {
    transition: border-color 0.2s, box-shadow 0.2s, transform 0.2s;
}

/* ── Responsive adjustments ──────────────────────────────── */
@media (max-width: 640px) {
    .form-stepper__label { display: none; }
    .form-stepper__line  { margin-bottom: 0; }
    .form-nav--split     { flex-direction: column-reverse; }
    .form-nav--split .btn { width: 100%; justify-content: center; }
    .slider-amount       { font-size: 1.6rem; }
}