/* ============================================================
   BEST MORTGAGE DEALS — Main Stylesheet
   Cogent Financial Services Ltd
   Colours: Orange #F26522 | Blue #1D9FD7 | Green #8DC63F
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=DM+Serif+Display:ital@0;1&family=Nunito+Sans:wght@300;400;600;700;800&display=swap');

:root {
  --orange:    #F26522;
  --orange-dk: #d4531a;
  --blue:      #1D9FD7;
  --blue-dk:   #1687b8;
  --green:     #8DC63F;
  --green-dk:  #76a832;
  --dark:      #1A2332;
  --mid:       #2D3F55;
  --text:      #2D3F55;
  --muted:     #6B7C93;
  --light:     #F7FAFD;
  --border:    #E2EAF3;
  --white:     #FFFFFF;
  --header-h:  76px;
  --max-w:     1160px;
  --radius:    10px;
  --shadow:    0 4px 24px rgba(29,63,85,.10);
  --shadow-lg: 0 12px 48px rgba(29,63,85,.14);
  --font-head: 'DM Serif Display', Georgia, serif;
  --font-body: 'Nunito Sans', system-ui, sans-serif;
  --transition: .22s cubic-bezier(.4,0,.2,1);
}

*, *::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); color: var(--text); background: var(--white); line-height: 1.65; overflow-x: hidden; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button, input, select, textarea { font-family: inherit; }

/* ── UTILITIES ── */
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 5%; }
.section    { padding: 80px 0; }
.section--grey { background: var(--light); }
.section--dark { background: var(--dark); }
.text-center { text-align: center; }
.text-orange { color: var(--orange); }
.text-blue   { color: var(--blue); }
.text-green  { color: var(--green); }

.eyebrow {
  display: inline-block;
  font-size: .72rem; font-weight: 800;
  letter-spacing: 2.5px; text-transform: uppercase;
  color: var(--orange); margin-bottom: 10px;
}
.eyebrow--blue  { color: var(--blue); }
.eyebrow--green { color: var(--green); }

.section-title {
  font-family: var(--font-head);
  font-size: clamp(1.7rem, 3.5vw, 2.6rem);
  line-height: 1.18; color: var(--dark);
  margin-bottom: 14px;
}
.section-sub {
  font-size: 1.05rem; color: var(--muted);
  max-width: 600px; margin-bottom: 48px;
}
.section-header { margin-bottom: 48px; }
.section-header .section-sub { margin-bottom: 0; }

/* ── BUTTONS ── */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 13px 28px; border-radius: var(--radius);
  font-weight: 700; font-size: .95rem; cursor: pointer;
  border: 2px solid transparent; transition: all var(--transition);
  text-decoration: none; white-space: nowrap;
}
.btn--orange { background: var(--orange); color: var(--white); border-color: var(--orange); }
.btn--orange:hover { background: var(--orange-dk); border-color: var(--orange-dk); transform: translateY(-2px); box-shadow: 0 8px 20px rgba(242,101,34,.3); }
.btn--blue   { background: var(--blue);   color: var(--white); border-color: var(--blue); }
.btn--blue:hover   { background: var(--blue-dk); border-color: var(--blue-dk); transform: translateY(-2px); box-shadow: 0 8px 20px rgba(29,159,215,.3); }
.btn--green  { background: var(--green);  color: var(--white); border-color: var(--green); }
.btn--green:hover  { background: var(--green-dk); transform: translateY(-2px); }
.btn--outline { background: transparent; color: var(--dark); border-color: var(--border); }
.btn--outline:hover { border-color: var(--blue); color: var(--blue); }
.btn--outline-white { background: transparent; color: var(--white); border-color: rgba(255,255,255,.5); }
.btn--outline-white:hover { border-color: var(--white); background: rgba(255,255,255,.08); }
.btn--sm { padding: 9px 20px; font-size: .85rem; }
.btn--lg { padding: 16px 36px; font-size: 1.05rem; }

/* ── HEADER ── */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  height: var(--header-h);
  background: var(--white);
  border-bottom: 3px solid var(--green);
  box-shadow: 0 2px 16px rgba(0,0,0,.07);
}
.header-inner {
  max-width: var(--max-w); margin: 0 auto; padding: 0 5%;
  height: 100%; display: flex; align-items: center; justify-content: space-between; gap: 20px;
}
.header-logo { display: flex; align-items: center; flex-shrink: 0; }
.header-logo img { height: 44px; width: auto; }

.header-nav { display: flex; align-items: center; gap: 4px; }
.nav-item { position: relative; }
.nav-link {
  display: flex; align-items: center; gap: 5px;
  padding: 8px 14px; border-radius: 6px;
  font-size: .9rem; font-weight: 600; color: var(--text);
  transition: all var(--transition); white-space: nowrap;
}
.nav-link:hover, .nav-link.active { color: var(--blue); background: rgba(29,159,215,.07); }
.nav-link .chevron { font-size: .65rem; transition: transform var(--transition); }
.nav-item:hover .chevron { transform: rotate(180deg); }

/* Dropdown */
.nav-dropdown {
  position: absolute; top: calc(100% + 8px); left: 0;
  min-width: 260px; background: var(--white);
  border: 1px solid var(--border); border-radius: var(--radius);
  box-shadow: var(--shadow-lg); padding: 8px;
  opacity: 0; visibility: hidden; transform: translateY(-6px);
  transition: all var(--transition); z-index: 200;
}
.nav-item:hover .nav-dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown-link {
  display: flex; align-items: center; gap: 10px;
  padding: 9px 12px; border-radius: 6px;
  font-size: .88rem; font-weight: 600; color: var(--text);
  transition: all var(--transition);
}
.dropdown-link:hover { background: var(--light); color: var(--blue); }
.dropdown-link .dd-icon { width: 28px; height: 28px; border-radius: 6px; display: flex; align-items: center; justify-content: center; font-size: .85rem; flex-shrink: 0; }
.dropdown-link .dd-label { font-size: .78rem; color: var(--muted); font-weight: 400; display: block; margin-top: 1px; }
.dd-divider { border: none; border-top: 1px solid var(--border); margin: 6px 0; }
.dropdown-link.third-party { opacity: .8; }
.dropdown-link.third-party::after { content: "3rd party"; font-size: .65rem; font-weight: 700; background: rgba(242,101,34,.1); color: var(--orange); padding: 2px 6px; border-radius: 4px; margin-left: auto; }

.header-actions { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
.header-phone { font-weight: 700; font-size: .9rem; color: var(--dark); display: flex; align-items: center; gap: 6px; }
.header-phone::before { content: "📞"; font-size: .85rem; }
.header-phone:hover { color: var(--blue); }

/* Mobile nav toggle */
.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 6px; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--dark); margin: 5px 0; border-radius: 2px; transition: all var(--transition); }

/* Page offset for fixed header */
.page-body { padding-top: var(--header-h); }

/* ── HERO ── */
.hero {
  padding: 100px 0 90px;
  background: linear-gradient(150deg, #f7fafd 0%, #edf4fb 60%, #e8f5f0 100%);
  position: relative; overflow: hidden;
}
.hero::after {
  content: ''; position: absolute;
  bottom: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--orange), var(--blue), var(--green));
}
.hero-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.hero-eyebrow { margin-bottom: 14px; }
.hero-title { font-family: var(--font-head); font-size: clamp(2.2rem, 5vw, 3.6rem); line-height: 1.12; color: var(--dark); margin-bottom: 20px; }
.hero-title em { font-style: italic; color: var(--orange); }
.hero-sub { font-size: 1.1rem; color: var(--muted); margin-bottom: 36px; max-width: 500px; line-height: 1.7; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 40px; }
.hero-trust { display: flex; gap: 24px; flex-wrap: wrap; }
.hero-trust-item { display: flex; align-items: center; gap: 7px; font-size: .82rem; font-weight: 600; color: var(--muted); }
.hero-trust-item::before { content: '✓'; color: var(--green); font-weight: 800; }

/* Hero card */
.hero-card {
  background: var(--white); border-radius: 16px;
  padding: 36px 32px; box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
}
.hero-card h3 { font-size: .95rem; font-weight: 800; color: var(--dark); margin-bottom: 22px; padding-bottom: 14px; border-bottom: 2px solid var(--border); }

/* ── FORMS ── */
.form-group { margin-bottom: 16px; }
.form-label { display: block; font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: .5px; color: var(--muted); margin-bottom: 6px; }
.form-control {
  width: 100%; padding: 11px 14px;
  border: 2px solid var(--border); border-radius: 8px;
  font-family: var(--font-body); font-size: .95rem; color: var(--text);
  background: var(--light); transition: border-color var(--transition);
  appearance: none;
}
.form-control:focus { outline: none; border-color: var(--blue); background: var(--white); }
.form-control::placeholder { color: #aab4c0; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-submit { width: 100%; }
.form-note { font-size: .75rem; color: var(--muted); text-align: center; margin-top: 10px; }
.form-consent { font-size: .78rem; color: var(--muted); line-height: 1.5; }
.form-consent a { color: var(--blue); text-decoration: underline; }

/* ── TRUST BAR ── */
.trust-bar { background: var(--dark); padding: 20px 0; }
.trust-bar-inner { display: flex; align-items: center; justify-content: center; gap: 40px; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 8px; font-size: .82rem; font-weight: 600; color: rgba(255,255,255,.7); }
.trust-dot { width: 8px; height: 8px; border-radius: 50%; flex-shrink: 0; }
.trust-dot--orange { background: var(--orange); }
.trust-dot--blue   { background: var(--blue); }
.trust-dot--green  { background: var(--green); }

/* ── CARDS ── */
.cards-grid { display: grid; gap: 24px; }
.cards-grid--2 { grid-template-columns: repeat(2, 1fr); }
.cards-grid--3 { grid-template-columns: repeat(3, 1fr); }
.cards-grid--4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: var(--white); border: 2px solid var(--border);
  border-radius: 14px; padding: 28px 24px;
  transition: all var(--transition);
}
.card:hover { border-color: transparent; box-shadow: var(--shadow-lg); transform: translateY(-4px); }
.card-icon { font-size: 2.2rem; margin-bottom: 16px; }
.card h3 { font-size: 1rem; font-weight: 700; color: var(--dark); margin-bottom: 10px; }
.card p { font-size: .88rem; color: var(--muted); line-height: 1.65; }
.card-accent { border-top: 4px solid; }
.card-accent--orange { border-top-color: var(--orange); }
.card-accent--blue   { border-top-color: var(--blue); }
.card-accent--green  { border-top-color: var(--green); }

.card-link {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: .85rem; font-weight: 700; color: var(--blue);
  margin-top: 14px; transition: gap var(--transition);
}
.card-link:hover { gap: 10px; }

/* ── VOUCHEDFOR WIDGET ── */
.vf-section { background: var(--light); }
.vf-widget-wrap {
  display: flex; flex-direction: column; align-items: center; gap: 24px;
}
.vf-badge {
  background: var(--white); border: 2px solid var(--border);
  border-radius: 14px; padding: 28px 32px; max-width: 480px; width: 100%;
  text-align: center; box-shadow: var(--shadow);
}
.vf-stars { color: #f4a30a; font-size: 1.4rem; letter-spacing: 2px; margin-bottom: 10px; }
.vf-rating { font-size: 2rem; font-weight: 800; color: var(--dark); }
.vf-rating span { font-size: 1rem; font-weight: 400; color: var(--muted); }
.vf-name { font-weight: 700; font-size: .95rem; color: var(--dark); margin: 8px 0 2px; }
.vf-title { font-size: .82rem; color: var(--muted); }
.vf-logo-link { display: inline-flex; align-items: center; gap: 8px; font-size: .8rem; color: var(--muted); margin-top: 14px; }
.vf-logo-link:hover { color: var(--blue); }
.vf-reviews { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; width: 100%; max-width: 900px; }
.vf-review-card {
  background: var(--white); border: 1px solid var(--border);
  border-radius: 12px; padding: 22px 20px;
  font-size: .88rem; color: var(--text); line-height: 1.6;
}
.vf-review-card .vf-stars { font-size: 1rem; margin-bottom: 8px; }
.vf-review-card strong { display: block; font-size: .78rem; color: var(--muted); margin-top: 10px; }

/* ── FAQ ── */
.faq-list { max-width: 780px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-question {
  width: 100%; background: none; border: none; cursor: pointer;
  display: flex; justify-content: space-between; align-items: center;
  padding: 20px 0; font-family: var(--font-body); font-size: .97rem;
  font-weight: 700; color: var(--dark); text-align: left; gap: 16px;
}
.faq-icon {
  width: 28px; height: 28px; border-radius: 50%; flex-shrink: 0;
  background: var(--light); display: flex; align-items: center; justify-content: center;
  font-size: .75rem; color: var(--blue); transition: all var(--transition);
}
.faq-item.open .faq-icon { background: var(--blue); color: var(--white); transform: rotate(180deg); }
.faq-answer {
  max-height: 0; overflow: hidden; font-size: .92rem;
  color: var(--muted); line-height: 1.7;
  transition: max-height .35s ease, padding .2s;
  padding: 0;
}
.faq-item.open .faq-answer { max-height: 400px; padding-bottom: 20px; }

/* ── REGULATORY NOTICE ── */
.regulatory-notice {
  background: #111a26;
  border-top: 4px solid var(--orange);
  padding: 40px 0;
}
.reg-inner { max-width: var(--max-w); margin: 0 auto; padding: 0 5%; }
.reg-heading {
  font-size: .75rem; font-weight: 800; text-transform: uppercase;
  letter-spacing: 2px; color: var(--orange); margin-bottom: 20px;
}
.risk-box {
  background: rgba(242,101,34,.08); border: 1px solid rgba(242,101,34,.25);
  border-radius: 8px; padding: 16px 20px; margin-bottom: 20px;
}
.risk-box h5 { font-size: .78rem; font-weight: 700; color: var(--orange); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 6px; }
.risk-box p { font-size: .78rem; color: rgba(255,255,255,.6); line-height: 1.7; }
.reg-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px; }
.reg-box-item { background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.09); border-radius: 8px; padding: 14px 16px; }
.reg-box-item h5 { font-size: .72rem; font-weight: 700; color: var(--blue); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 6px; }
.reg-box-item p { font-size: .73rem; color: rgba(255,255,255,.45); line-height: 1.7; }
.reg-fine-print { font-size: .72rem; color: rgba(255,255,255,.3); line-height: 1.8; text-align: center; margin-top: 14px; }
.reg-fine-print a { color: rgba(255,255,255,.45); text-decoration: underline; }

/* ── FOOTER ── */
.site-footer { background: var(--dark); padding: 60px 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.8fr 1fr 1fr 1fr; gap: 50px; padding-bottom: 50px; border-bottom: 1px solid rgba(255,255,255,.08); }
.footer-brand {}
.footer-logo { height: 40px; width: auto; margin-bottom: 16px; filter: brightness(0) invert(1); opacity: .85; }
.footer-brand p { font-size: .85rem; color: rgba(255,255,255,.5); line-height: 1.7; max-width: 300px; margin-bottom: 20px; }
.footer-social { display: flex; gap: 10px; }
.social-link {
  width: 36px; height: 36px; border-radius: 8px;
  background: rgba(255,255,255,.07); display: flex; align-items: center; justify-content: center;
  font-size: .85rem; color: rgba(255,255,255,.6); transition: all var(--transition);
}
.social-link:hover { background: var(--blue); color: var(--white); }
.footer-col h4 { font-size: .82rem; font-weight: 800; letter-spacing: 1.5px; text-transform: uppercase; color: var(--white); margin-bottom: 18px; }
.footer-col a { display: block; font-size: .85rem; color: rgba(255,255,255,.5); margin-bottom: 10px; transition: color var(--transition); }
.footer-col a:hover { color: var(--green); }
.footer-bottom { padding: 20px 0; display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 10px; }
.footer-bottom p { font-size: .75rem; color: rgba(255,255,255,.3); }
.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom-links a { font-size: .75rem; color: rgba(255,255,255,.35); }
.footer-bottom-links a:hover { color: var(--green); }

/* ── PAGE HERO (inner pages) ── */
.page-hero {
  background: linear-gradient(135deg, var(--dark) 0%, var(--mid) 100%);
  padding: 80px 0 70px;
  position: relative; overflow: hidden;
}
.page-hero::after { content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--orange), var(--blue), var(--green)); }
.page-hero-badge { display: inline-flex; align-items: center; gap: 8px; background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.2); padding: 5px 14px; border-radius: 20px; font-size: .75rem; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: rgba(255,255,255,.8); margin-bottom: 16px; }
.page-hero h1 { font-family: var(--font-head); font-size: clamp(2rem, 4vw, 3rem); color: var(--white); margin-bottom: 16px; }
.page-hero h1 em { color: var(--orange); }
.page-hero p { font-size: 1.05rem; color: rgba(255,255,255,.72); max-width: 580px; line-height: 1.7; margin-bottom: 28px; }
.breadcrumb { display: flex; align-items: center; gap: 8px; font-size: .8rem; color: rgba(255,255,255,.45); margin-bottom: 20px; }
.breadcrumb a { color: rgba(255,255,255,.55); }
.breadcrumb a:hover { color: var(--green); }
.breadcrumb span { color: rgba(255,255,255,.3); }

/* ── MORTGAGE PAGE SPECIFICS ── */
.mortgage-grid { display: grid; grid-template-columns: 1fr 340px; gap: 50px; align-items: start; }
.mortgage-content h2 { font-family: var(--font-head); font-size: 1.7rem; color: var(--dark); margin: 36px 0 14px; padding-bottom: 10px; border-bottom: 2px solid var(--border); }
.mortgage-content h2:first-child { margin-top: 0; }
.mortgage-content p { font-size: .97rem; color: var(--text); line-height: 1.75; margin-bottom: 16px; }
.mortgage-content ul li { font-size: .95rem; color: var(--text); line-height: 1.65; margin-bottom: 8px; padding-left: 22px; position: relative; }
.mortgage-content ul li::before { content: '✓'; position: absolute; left: 0; color: var(--green); font-weight: 800; }
.sidebar-card { background: var(--white); border: 2px solid var(--border); border-radius: 14px; padding: 28px 24px; position: sticky; top: calc(var(--header-h) + 24px); }
.sidebar-card h3 { font-size: 1rem; font-weight: 700; color: var(--dark); margin-bottom: 20px; padding-bottom: 14px; border-bottom: 2px solid var(--border); }
.sidebar-tip { background: var(--light); border-radius: 8px; padding: 14px 16px; margin-top: 20px; font-size: .82rem; color: var(--muted); line-height: 1.6; }
.sidebar-tip strong { color: var(--orange); display: block; margin-bottom: 4px; font-size: .78rem; text-transform: uppercase; letter-spacing: .5px; }
.third-party-notice { background: rgba(242,101,34,.06); border: 1px solid rgba(242,101,34,.2); border-radius: 10px; padding: 18px 20px; margin: 28px 0; }
.third-party-notice h4 { font-size: .82rem; font-weight: 800; color: var(--orange); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 6px; }
.third-party-notice p { font-size: .88rem; color: var(--text); line-height: 1.6; }

/* ── LEARN PAGE ── */
.video-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.video-card { border-radius: 12px; overflow: hidden; border: 2px solid var(--border); transition: all var(--transition); background: var(--white); }
.video-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); border-color: transparent; }
.video-thumb { position: relative; aspect-ratio: 16/9; background: var(--dark); overflow: hidden; }
.video-thumb img { width: 100%; height: 100%; object-fit: cover; opacity: .8; }
.play-btn { position: absolute; inset: 0; display: flex; align-items: center; justify-content: center; }
.play-btn span { width: 52px; height: 52px; background: var(--orange); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 1.2rem; color: var(--white); box-shadow: 0 4px 20px rgba(242,101,34,.45); transition: transform var(--transition); }
.video-card:hover .play-btn span { transform: scale(1.1); }
.video-embed { position: relative; aspect-ratio: 16/9; }
.video-embed iframe { position: absolute; inset: 0; width: 100%; height: 100%; border: none; }
.video-meta { padding: 18px 18px 20px; }
.video-tag { font-size: .7rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1.5px; color: var(--blue); margin-bottom: 6px; }
.video-meta h3 { font-size: .97rem; font-weight: 700; color: var(--dark); margin-bottom: 6px; line-height: 1.4; }
.video-meta p { font-size: .82rem; color: var(--muted); line-height: 1.5; }
.video-duration { font-size: .75rem; font-weight: 600; color: var(--muted); margin-top: 8px; }

/* ── BLOG / LITERATURE ── */
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.blog-card { border-radius: 12px; overflow: hidden; border: 2px solid var(--border); transition: all var(--transition); background: var(--white); }
.blog-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); border-color: transparent; }
.blog-img { aspect-ratio: 16/9; background: linear-gradient(135deg, var(--light) 0%, var(--border) 100%); overflow: hidden; }
.blog-img img { width: 100%; height: 100%; object-fit: cover; }
.blog-img-placeholder { width: 100%; height: 100%; display: flex; align-items: center; justify-content: center; font-size: 2.5rem; }
.blog-body { padding: 22px 20px 24px; }
.blog-tag { font-size: .7rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1.5px; padding: 3px 10px; border-radius: 20px; display: inline-block; margin-bottom: 10px; }
.blog-tag--orange { background: rgba(242,101,34,.1); color: var(--orange); }
.blog-tag--blue { background: rgba(29,159,215,.1); color: var(--blue); }
.blog-tag--green { background: rgba(141,198,63,.1); color: var(--green-dk); }
.blog-card h3 { font-size: .97rem; font-weight: 700; color: var(--dark); margin-bottom: 8px; line-height: 1.4; }
.blog-card p { font-size: .85rem; color: var(--muted); line-height: 1.6; }
.blog-meta { display: flex; align-items: center; gap: 12px; font-size: .75rem; color: var(--muted); margin-top: 14px; padding-top: 12px; border-top: 1px solid var(--border); }
.download-card { border-radius: 12px; padding: 24px; border: 2px solid var(--border); background: var(--white); display: flex; align-items: flex-start; gap: 18px; transition: all var(--transition); }
.download-card:hover { border-color: var(--blue); box-shadow: var(--shadow); }
.download-icon { width: 48px; height: 48px; border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 1.4rem; flex-shrink: 0; }
.download-icon--pdf { background: rgba(242,101,34,.1); }
.download-icon--guide { background: rgba(29,159,215,.1); }
.download-card h3 { font-size: .95rem; font-weight: 700; color: var(--dark); margin-bottom: 4px; }
.download-card p { font-size: .82rem; color: var(--muted); line-height: 1.5; margin-bottom: 12px; }

/* ── JOIN PAGE ── */
.join-steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; position: relative; }
.join-steps::before { content: ''; position: absolute; top: 32px; left: 12.5%; right: 12.5%; height: 2px; background: linear-gradient(90deg, var(--orange), var(--blue), var(--green)); z-index: 0; }
.join-step { text-align: center; padding: 0 16px; z-index: 1; }
.join-step-num { width: 64px; height: 64px; border-radius: 50%; border: 3px solid; background: var(--white); display: flex; align-items: center; justify-content: center; font-size: 1.3rem; font-weight: 800; margin: 0 auto 18px; }
.join-step:nth-child(1) .join-step-num { color: var(--orange); border-color: var(--orange); }
.join-step:nth-child(2) .join-step-num { color: var(--blue); border-color: var(--blue); }
.join-step:nth-child(3) .join-step-num { color: var(--green); border-color: var(--green); }
.join-step:nth-child(4) .join-step-num { color: var(--orange); border-color: var(--orange); }
.join-step h3 { font-size: .93rem; font-weight: 700; color: var(--dark); margin-bottom: 8px; }
.join-step p { font-size: .83rem; color: var(--muted); line-height: 1.6; }
.perks-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.perk { background: var(--white); border-radius: 12px; padding: 24px; border: 2px solid var(--border); }
.perk-icon { font-size: 1.8rem; margin-bottom: 12px; }
.perk h3 { font-size: .93rem; font-weight: 700; color: var(--dark); margin-bottom: 6px; }
.perk p { font-size: .83rem; color: var(--muted); line-height: 1.6; }

/* ── CONTACT ── */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: start; }
.contact-info h2 { font-family: var(--font-head); font-size: 1.8rem; margin-bottom: 16px; color: var(--dark); }
.contact-info p { font-size: .97rem; color: var(--muted); line-height: 1.7; margin-bottom: 28px; }
.contact-detail { display: flex; align-items: flex-start; gap: 14px; margin-bottom: 20px; }
.contact-detail-icon { width: 42px; height: 42px; border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 1rem; flex-shrink: 0; }
.contact-detail h4 { font-size: .82rem; font-weight: 700; color: var(--muted); text-transform: uppercase; letter-spacing: .5px; margin-bottom: 3px; }
.contact-detail p { font-size: .95rem; color: var(--dark); font-weight: 600; margin-bottom: 0; }
.contact-detail a { color: var(--blue); }
.contact-form-card { background: var(--white); border: 2px solid var(--border); border-radius: 16px; padding: 36px 32px; box-shadow: var(--shadow); }
.contact-form-card h3 { font-size: 1.05rem; font-weight: 700; color: var(--dark); margin-bottom: 22px; padding-bottom: 14px; border-bottom: 2px solid var(--border); }
textarea.form-control { resize: vertical; min-height: 120px; }

/* ── RESPONSIVE ── */
@media (max-width: 1024px) {
  .header-nav { display: none; }
  .nav-toggle { display: block; }
  .header-nav.open { display: flex; flex-direction: column; align-items: stretch; position: fixed; top: var(--header-h); left: 0; right: 0; background: var(--white); border-bottom: 2px solid var(--border); padding: 16px 5%; gap: 4px; box-shadow: var(--shadow-lg); z-index: 999; max-height: calc(100vh - var(--header-h)); overflow-y: auto; }
  .nav-dropdown { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: none; background: var(--light); padding: 4px 12px; display: none; }
  .nav-item.open .nav-dropdown { display: block; }
  .hero-inner { grid-template-columns: 1fr; }
  .hero-card { max-width: 480px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  .mortgage-grid { grid-template-columns: 1fr; }
  .sidebar-card { position: static; }
  .cards-grid--4 { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .section { padding: 60px 0; }
  .hero { padding: 70px 0 60px; }
  .cards-grid--3 { grid-template-columns: 1fr 1fr; }
  .video-grid { grid-template-columns: 1fr 1fr; }
  .blog-grid { grid-template-columns: 1fr 1fr; }
  .vf-reviews { grid-template-columns: 1fr; }
  .reg-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .join-steps { grid-template-columns: 1fr 1fr; }
  .join-steps::before { display: none; }
  .perks-grid { grid-template-columns: 1fr 1fr; }
  .trust-bar-inner { gap: 20px; }
}

@media (max-width: 540px) {
  :root { --header-h: 66px; }
  .header-logo img { height: 36px; }
  .header-phone { display: none; }
  .cards-grid--2, .cards-grid--3, .cards-grid--4 { grid-template-columns: 1fr; }
  .video-grid { grid-template-columns: 1fr; }
  .blog-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .join-steps { grid-template-columns: 1fr; }
  .perks-grid { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; justify-content: center; }
}

/* ── ANIMATIONS ── */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(18px); }
  to   { opacity: 1; transform: translateY(0); }
}
.fade-up { animation: fadeUp .5s ease both; }
.fade-up--1 { animation-delay: .1s; }
.fade-up--2 { animation-delay: .2s; }
.fade-up--3 { animation-delay: .3s; }

/* ── SPECIALIST BADGES ── */
.specialist-badge { display: inline-flex; align-items: center; gap: 6px; font-size: .72rem; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; padding: 4px 12px; border-radius: 20px; }
.specialist-badge--pro { background: rgba(29,159,215,.1); color: var(--blue); }

/* ── STATS ── */
.stats-band { background: var(--dark); padding: 50px 0; }
.stats-inner { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.stat-item { text-align: center; }
.stat-num { font-family: var(--font-head); font-size: 2.6rem; color: var(--white); line-height: 1; margin-bottom: 6px; }
.stat-num span { color: var(--orange); }
.stat-label { font-size: .82rem; color: rgba(255,255,255,.55); font-weight: 600; text-transform: uppercase; letter-spacing: 1px; }

@media (max-width: 640px) {
  .stats-inner { grid-template-columns: 1fr 1fr; }
}