/*
Theme Name: LoanEdge
Theme URI: https://loanedge.au/
Author: LoanEdge
Description: Custom WordPress theme for LoanEdge, an Australia-wide finance broker led by Gayle Campbell.
Version: 0.3.0
Text Domain: loanedge
*/

    :root {
      --ink: #18212b;
      --charcoal: #26313c;
      --paper: #fbfaf6;
      --ivory: #f2eee5;
      --gold: #c7a04b;
      --deep-gold: #9d7328;
      --green: #416b5a;
      --blue: #30576f;
      --line: rgba(24, 33, 43, 0.13);
      --white: #ffffff;
      --shadow: 0 24px 70px rgba(24, 33, 43, 0.16);
      --radius: 8px;
    }

    * {
      box-sizing: border-box;
    }

    html {
      scroll-behavior: smooth;
    }

    body {
      margin: 0;
      color: var(--ink);
      background: var(--paper);
      font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
      line-height: 1.5;
    }

    body::selection {
      background: rgba(199, 160, 75, 0.34);
    }

    .skip-link {
      position: fixed;
      left: 16px;
      top: 12px;
      z-index: 100;
      transform: translateY(-140%);
      border-radius: var(--radius);
      padding: 10px 14px;
      background: var(--gold);
      color: #151515;
      font-weight: 800;
      transition: transform 160ms ease;
    }

    .skip-link:focus {
      transform: translateY(0);
    }

    .visually-hidden {
      position: absolute;
      width: 1px;
      height: 1px;
      margin: -1px;
      overflow: hidden;
      clip: rect(0 0 0 0);
      white-space: nowrap;
      border: 0;
      padding: 0;
    }

    img {
      display: block;
      max-width: 100%;
    }

    a {
      color: inherit;
      text-decoration: none;
    }

    button,
    input,
    select,
    textarea {
      font: inherit;
    }

    .site-shell {
      min-height: 100vh;
      overflow: hidden;
    }

    .nav {
      position: fixed;
      top: 0;
      z-index: 20;
      width: 100%;
      border-bottom: 1px solid rgba(255, 255, 255, 0.18);
      background: rgba(24, 33, 43, 0.74);
      color: var(--white);
      backdrop-filter: blur(18px);
    }

    body.admin-bar .nav {
      top: 32px;
    }

    @media (max-width: 782px) {
      body.admin-bar .nav {
        top: 46px;
      }
    }

    .nav-inner {
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 20px;
      max-width: 1180px;
      margin: 0 auto;
      padding: 14px 24px;
    }

    .brand {
      display: inline-flex;
      align-items: center;
      gap: 12px;
      min-width: 190px;
      font-family: Inter, sans-serif;
      font-size: 25px;
      font-weight: 850;
      letter-spacing: 0;
    }

    .brand-mark {
      display: block;
      flex: 0 0 auto;
      width: 48px;
      height: 48px;
    }

    .brand-text {
      display: inline-flex;
      align-items: baseline;
      gap: 0;
      line-height: 1;
    }

    .brand-text span:first-child {
      color: var(--white);
    }

    .brand-text span:last-child {
      color: var(--gold);
    }

    .nav-links {
      display: flex;
      align-items: center;
      gap: 22px;
      font-size: 14px;
      color: rgba(255, 255, 255, 0.82);
    }

    .mobile-menu-toggle {
      display: none;
      align-items: center;
      justify-content: center;
      gap: 9px;
      min-height: 42px;
      border: 1px solid rgba(255, 255, 255, 0.18);
      border-radius: var(--radius);
      padding: 0 13px;
      background: rgba(255, 255, 255, 0.08);
      color: var(--white);
      cursor: pointer;
      font: inherit;
      font-size: 13px;
      font-weight: 780;
    }

    .mobile-menu-icon {
      display: grid;
      gap: 4px;
      width: 18px;
    }

    .mobile-menu-icon span {
      display: block;
      height: 2px;
      border-radius: 999px;
      background: currentColor;
    }

    .nav-links a:hover,
    .nav-dropdown:hover > a,
    .nav-dropdown:focus-within > a {
      color: var(--white);
    }

    .nav-dropdown {
      position: relative;
      display: inline-flex;
      align-items: center;
      min-height: 44px;
    }

    .nav-dropdown > a {
      display: inline-flex;
      align-items: center;
      gap: 6px;
    }

    .nav-dropdown > a::after {
      width: 6px;
      height: 6px;
      border-right: 1.5px solid currentColor;
      border-bottom: 1.5px solid currentColor;
      transform: rotate(45deg) translateY(-2px);
      content: "";
    }

    .nav-dropdown-menu {
      position: absolute;
      top: calc(100% + 10px);
      left: 50%;
      z-index: 30;
      display: grid;
      gap: 2px;
      min-width: 255px;
      transform: translate(-50%, 8px);
      border: 1px solid rgba(255, 255, 255, 0.14);
      border-radius: var(--radius);
      padding: 8px;
      background: rgba(24, 33, 43, 0.96);
      box-shadow: 0 18px 48px rgba(0, 0, 0, 0.22);
      opacity: 0;
      pointer-events: none;
      transition: opacity 140ms ease, transform 140ms ease;
    }

    .nav-dropdown-menu::before {
      position: absolute;
      right: 0;
      bottom: 100%;
      left: 0;
      height: 12px;
      content: "";
    }

    .nav-dropdown:hover .nav-dropdown-menu,
    .nav-dropdown:focus-within .nav-dropdown-menu,
    .nav-dropdown.is-active .nav-dropdown-menu {
      transform: translate(-50%, 0);
      opacity: 1;
      pointer-events: auto;
    }

    .nav-dropdown-menu a {
      display: block;
      border-radius: 6px;
      padding: 10px 11px;
      color: rgba(255, 255, 255, 0.82);
      line-height: 1.35;
    }

    .nav-dropdown-menu a:hover,
    .nav-dropdown-menu a:focus-visible {
      background: rgba(199, 160, 75, 0.14);
      color: var(--white);
    }

    .nav-links a:focus-visible,
    .nav-cta:focus-visible,
    .button:focus-visible,
    .social-link:focus-visible,
    .footer-links a:focus-visible {
      outline: 3px solid rgba(199, 160, 75, 0.48);
      outline-offset: 4px;
    }

    .nav-cta,
    .button {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      gap: 8px;
      min-height: 44px;
      border: 1px solid transparent;
      border-radius: var(--radius);
      padding: 0 17px;
      cursor: pointer;
      font-weight: 750;
      transition: transform 160ms ease, background 160ms ease, border-color 160ms ease;
    }

    .nav-cta {
      background: var(--gold);
      color: #151515;
      white-space: nowrap;
    }

    .button:hover,
    .nav-cta:hover {
      transform: translateY(-1px);
    }

    .hero {
      position: relative;
      min-height: 92vh;
      color: var(--white);
      background: var(--ink);
      isolation: isolate;
    }

    .hero-media {
      position: absolute;
      inset: 0;
      z-index: -2;
    }

    .hero-media img {
      width: 100%;
      height: 100%;
      object-fit: cover;
      object-position: center right;
    }

    .hero::before {
      position: absolute;
      inset: 0;
      z-index: -1;
      content: "";
      background:
        linear-gradient(90deg, rgba(18, 25, 32, 0.95) 0%, rgba(18, 25, 32, 0.84) 38%, rgba(18, 25, 32, 0.52) 68%, rgba(18, 25, 32, 0.36) 100%),
        linear-gradient(180deg, rgba(18, 25, 32, 0.6) 0%, rgba(18, 25, 32, 0.16) 58%, rgba(18, 25, 32, 0.92) 100%);
    }

    .hero-inner {
      display: grid;
      align-content: center;
      max-width: 1180px;
      min-height: 92vh;
      margin: 0 auto;
      padding: 116px 24px 86px;
    }

    .hero-copy {
      width: min(680px, 100%);
    }

    .eyebrow {
      display: inline-flex;
      align-items: center;
      gap: 10px;
      margin: 0 0 24px;
      color: rgba(255, 255, 255, 0.82);
      font-size: 13px;
      font-weight: 800;
      letter-spacing: 0.12em;
      text-transform: uppercase;
    }

    .eyebrow::before {
      width: 42px;
      height: 2px;
      background: var(--gold);
      content: "";
    }

    h1,
    h2,
    h3,
    p {
      margin-top: 0;
    }

    h1 {
      max-width: 760px;
      margin-bottom: 24px;
      font-family: Georgia, "Times New Roman", serif;
      font-size: clamp(48px, 7vw, 88px);
      line-height: 0.98;
      letter-spacing: 0;
    }

    .hero-lede {
      max-width: 610px;
      margin-bottom: 34px;
      color: rgba(255, 255, 255, 0.84);
      font-size: 19px;
      font-weight: 520;
      line-height: 1.7;
    }

    .hero-actions,
    .form-actions {
      display: flex;
      flex-wrap: wrap;
      gap: 12px;
      align-items: center;
    }

    .hero-call-link {
      margin: 14px 0 0;
      color: rgba(255, 255, 255, 0.74);
      font-size: 14px;
      line-height: 1.6;
    }

    .hero-call-link a {
      color: var(--white);
      font-weight: 760;
      text-decoration: underline;
      text-decoration-color: rgba(199, 160, 75, 0.72);
      text-underline-offset: 4px;
    }

    .hero-microcopy {
      display: flex;
      flex-wrap: wrap;
      gap: 10px;
      align-items: center;
      margin: 16px 0 0;
      color: rgba(255, 255, 255, 0.72);
      font-size: 13px;
    }

    .hero-microcopy span {
      display: inline-flex;
      align-items: center;
      gap: 8px;
    }

    .hero-microcopy span::before {
      color: var(--gold);
      font-size: 14px;
      font-weight: 900;
      content: "\2713";
    }

    .button-primary {
      background: var(--gold);
      color: #151515;
      box-shadow: 0 14px 36px rgba(199, 160, 75, 0.28);
    }

    .button-secondary {
      border-color: rgba(255, 255, 255, 0.42);
      color: var(--white);
      background: rgba(255, 255, 255, 0.08);
    }

    .button-dark {
      background: var(--ink);
      color: var(--white);
    }

    .hero-proof {
      display: grid;
      grid-template-columns: repeat(4, minmax(0, 1fr));
      gap: 1px;
      max-width: 960px;
      margin-top: 58px;
      border: 1px solid rgba(255, 255, 255, 0.18);
      background: rgba(255, 255, 255, 0.17);
      box-shadow: var(--shadow);
    }

    .outcome-band {
      border-top: 1px solid var(--line);
      border-bottom: 1px solid var(--line);
      background: var(--white);
    }

    .outcome-grid {
      display: grid;
      grid-template-columns: repeat(4, minmax(0, 1fr));
      gap: 1px;
      background: var(--line);
    }

    .outcome-item {
      min-height: 166px;
      padding: 28px;
      background: var(--white);
    }

    .outcome-item strong {
      display: block;
      margin-bottom: 10px;
      color: var(--ink);
      font-family: Georgia, "Times New Roman", serif;
      font-size: 24px;
      line-height: 1.1;
    }

    .outcome-item span {
      color: #596268;
      font-size: 14px;
    }

    .wealth-band {
      padding: 72px 24px;
      background: var(--white);
    }

    .wealth-grid {
      display: grid;
      grid-template-columns: minmax(0, 0.88fr) minmax(320px, 0.62fr);
      gap: 42px;
      align-items: start;
      max-width: 1180px;
      margin: 0 auto;
    }

    .wealth-points {
      display: grid;
      gap: 12px;
    }

    .wealth-point {
      display: grid;
      grid-template-columns: 38px minmax(0, 1fr);
      gap: 13px;
      padding: 16px;
      border: 1px solid var(--line);
      border-radius: var(--radius);
      background: var(--paper);
    }

    .wealth-point svg {
      width: 21px;
      height: 21px;
      color: var(--deep-gold);
      stroke: currentColor;
      fill: none;
      stroke-width: 2;
      stroke-linecap: round;
      stroke-linejoin: round;
    }

    .wealth-point strong {
      display: block;
      margin-bottom: 4px;
      color: var(--ink);
    }

    .wealth-point span {
      color: #5d666c;
      font-size: 14px;
      line-height: 1.55;
    }

    .proof-item {
      min-height: 112px;
      padding: 22px;
      background: rgba(24, 33, 43, 0.68);
      backdrop-filter: blur(16px);
    }

    .proof-item strong {
      display: block;
      margin-bottom: 7px;
      color: var(--gold);
      font-size: 22px;
      font-family: Georgia, "Times New Roman", serif;
    }

    .proof-item span {
      color: rgba(255, 255, 255, 0.78);
      font-size: 13px;
    }

    .motion-reveal {
      animation: rise-in 680ms ease both;
    }

    .motion-reveal:nth-child(2) {
      animation-delay: 90ms;
    }

    .motion-reveal:nth-child(3) {
      animation-delay: 180ms;
    }

    .motion-reveal:nth-child(4) {
      animation-delay: 270ms;
    }

    @keyframes rise-in {
      from {
        opacity: 0;
        transform: translateY(16px);
      }

      to {
        opacity: 1;
        transform: translateY(0);
      }
    }

    .section {
      padding: 86px 24px;
    }

    .section-muted {
      background: var(--ivory);
    }

    .section-ink {
      background: var(--ink);
      color: var(--white);
    }

    .section-white {
      background: var(--white);
    }

    .container {
      max-width: 1180px;
      margin: 0 auto;
    }

    .section-heading {
      display: grid;
      grid-template-columns: minmax(0, 0.82fr) minmax(280px, 0.58fr);
      gap: 54px;
      align-items: end;
      margin-bottom: 42px;
    }

    .kicker {
      margin: 0 0 12px;
      color: var(--deep-gold);
      font-size: 12px;
      font-weight: 850;
      letter-spacing: 0.13em;
      text-transform: uppercase;
    }

    .section-ink .kicker {
      color: var(--gold);
    }

    h2 {
      margin-bottom: 0;
      font-family: Georgia, "Times New Roman", serif;
      font-size: clamp(34px, 4.5vw, 58px);
      line-height: 1.04;
      letter-spacing: 0;
    }

    .section-intro {
      margin-bottom: 0;
      color: #5a6268;
      font-size: 17px;
      line-height: 1.75;
    }

    .section-ink .section-intro {
      color: rgba(255, 255, 255, 0.74);
    }

    .service-grid,
    .loan-grid,
    .borrower-grid,
    .testimonial-grid,
    .location-grid,
    .tool-grid {
      display: grid;
      gap: 18px;
    }

    .service-grid {
      grid-template-columns: repeat(3, minmax(0, 1fr));
    }

    .loan-grid {
      grid-template-columns: repeat(3, minmax(0, 1fr));
    }

    .borrower-grid {
      grid-template-columns: repeat(4, minmax(0, 1fr));
      margin-top: 18px;
    }

    .testimonial-grid {
      grid-template-columns: repeat(3, minmax(0, 1fr));
    }

    .location-grid {
      grid-template-columns: repeat(3, minmax(0, 1fr));
    }

    .tool-grid {
      grid-template-columns: minmax(0, 0.95fr) minmax(320px, 0.62fr);
      align-items: stretch;
    }

    .tool-grid + .toolkit-library {
      margin-top: 18px;
    }

    .toolkit-library {
      display: grid;
      grid-template-columns: repeat(3, minmax(0, 1fr));
      gap: 18px;
    }

    .toolkit-card {
      display: grid;
      align-content: start;
      gap: 14px;
      min-height: 260px;
      border: 1px solid var(--line);
      border-radius: var(--radius);
      padding: 24px;
      background: var(--white);
      box-shadow: 0 16px 44px rgba(24, 33, 43, 0.05);
    }

    .toolkit-card svg {
      width: 24px;
      height: 24px;
      color: var(--deep-gold);
      stroke: currentColor;
      fill: none;
      stroke-width: 2;
      stroke-linecap: round;
      stroke-linejoin: round;
    }

    .toolkit-card h3 {
      margin-bottom: 0;
      font-size: 21px;
    }

    .toolkit-card p {
      color: #5d666c;
      line-height: 1.65;
    }

    .toolkit-card .button {
      align-self: end;
      width: fit-content;
    }

    .property-calculator {
      margin-top: 22px;
      border: 1px solid var(--line);
      border-radius: var(--radius);
      padding: 28px;
      background: var(--white);
      box-shadow: 0 18px 48px rgba(24, 33, 43, 0.07);
    }

    .property-calc-head {
      display: grid;
      grid-template-columns: minmax(0, 0.86fr) minmax(260px, 0.42fr);
      gap: 24px;
      align-items: end;
      margin-bottom: 24px;
    }

    .property-calc-head h3 {
      margin-bottom: 8px;
      font-family: Georgia, "Times New Roman", serif;
      font-size: 34px;
      line-height: 1.08;
    }

    .property-calc-head p {
      margin-bottom: 0;
      color: #5d666c;
      line-height: 1.7;
    }

    .property-calc-summary {
      display: grid;
      gap: 8px;
      border: 1px solid rgba(199, 160, 75, 0.3);
      border-radius: var(--radius);
      padding: 18px;
      background: rgba(199, 160, 75, 0.08);
    }

    .property-calc-summary strong {
      color: var(--deep-gold);
      font-size: 14px;
      letter-spacing: 0.08em;
      text-transform: uppercase;
    }

    .property-calc-summary span {
      color: #586166;
      font-size: 14px;
      line-height: 1.55;
    }

    .property-calc-grid {
      display: grid;
      grid-template-columns: repeat(3, minmax(0, 1fr));
      gap: 14px;
    }

    .property-card {
      display: grid;
      gap: 14px;
      border: 1px solid var(--line);
      border-radius: var(--radius);
      padding: 18px;
      background: #fffefa;
    }

    .property-card.is-best {
      border-color: rgba(65, 107, 90, 0.42);
      box-shadow: 0 0 0 3px rgba(65, 107, 90, 0.1);
    }

    .property-card-head {
      display: flex;
      align-items: center;
      gap: 10px;
      justify-content: space-between;
    }

    .property-name {
      min-height: 42px;
      border-color: rgba(24, 33, 43, 0.14);
      background: var(--white);
      color: var(--ink);
      font-weight: 820;
    }

    .best-tag {
      display: none;
      flex: 0 0 auto;
      border-radius: 999px;
      padding: 6px 9px;
      background: rgba(65, 107, 90, 0.1);
      color: var(--green);
      font-size: 11px;
      font-weight: 850;
      letter-spacing: 0.05em;
      text-transform: uppercase;
    }

    .property-card.is-best .best-tag {
      display: inline-flex;
    }

    .property-fieldset {
      display: grid;
      gap: 10px;
    }

    .property-fieldset-title {
      margin-top: 2px;
      padding-bottom: 6px;
      border-bottom: 1px solid rgba(199, 160, 75, 0.35);
      color: var(--deep-gold);
      font-size: 11px;
      font-weight: 850;
      letter-spacing: 0.1em;
      text-transform: uppercase;
    }

    .property-field {
      display: grid;
      grid-template-columns: minmax(0, 1fr) 112px;
      gap: 10px;
      align-items: center;
    }

    .property-field label {
      color: #50595f;
      font-size: 12px;
      line-height: 1.35;
    }

    .property-field input,
    .property-field select {
      min-height: 38px;
      padding: 8px 9px;
      background: var(--white);
      text-align: right;
      font-size: 13px;
    }

    .property-field select {
      text-align: left;
    }

    .property-results {
      display: grid;
      gap: 7px;
      border-radius: var(--radius);
      padding: 14px;
      background: var(--ink);
      color: var(--white);
    }

    .property-result-row {
      display: flex;
      justify-content: space-between;
      gap: 12px;
      font-size: 13px;
    }

    .property-result-row span {
      color: rgba(255, 255, 255, 0.7);
    }

    .property-result-row strong {
      color: var(--white);
      text-align: right;
    }

    .property-result-row.is-main {
      margin-top: 4px;
      padding-top: 9px;
      border-top: 1px solid rgba(255, 255, 255, 0.16);
      font-size: 15px;
      font-weight: 850;
    }

    .property-result-row strong.is-positive {
      color: #9ed0b5;
    }

    .property-result-row strong.is-negative {
      color: #f1a59d;
    }

    .property-calc-note {
      margin: 16px 0 0;
      color: #6d7479;
      font-size: 12px;
      line-height: 1.65;
    }

    .trust-grid {
      display: grid;
      grid-template-columns: minmax(0, 0.9fr) minmax(320px, 0.62fr);
      gap: 46px;
      align-items: start;
    }

    .trust-list {
      display: grid;
      gap: 14px;
      margin-top: 26px;
    }

    .personal-note {
      margin: 24px 0 0;
      padding: 20px 22px;
      border-left: 3px solid var(--gold);
      background: rgba(199, 160, 75, 0.08);
      color: #475057;
      font-size: 17px;
      line-height: 1.7;
    }

    .trust-item {
      display: grid;
      grid-template-columns: 44px minmax(0, 1fr);
      gap: 15px;
      padding: 18px 0;
      border-top: 1px solid var(--line);
    }

    .trust-item svg,
    .quote-mark svg {
      width: 22px;
      height: 22px;
      color: var(--deep-gold);
      stroke: currentColor;
      fill: none;
      stroke-width: 2;
      stroke-linecap: round;
      stroke-linejoin: round;
    }

    .trust-item h3 {
      margin-bottom: 5px;
      font-size: 18px;
    }

    .trust-item p {
      margin-bottom: 0;
      color: #5d666c;
    }

    .personality-panel {
      border: 1px solid var(--line);
      border-radius: var(--radius);
      padding: 30px;
      background: var(--paper);
      box-shadow: 0 18px 46px rgba(24, 33, 43, 0.07);
    }

    .quote-mark {
      display: grid;
      place-items: center;
      width: 46px;
      height: 46px;
      margin-bottom: 24px;
      border: 1px solid rgba(199, 160, 75, 0.42);
      background: var(--white);
    }

    .personality-panel blockquote {
      margin: 0 0 24px;
      font-family: Georgia, "Times New Roman", serif;
      font-size: 28px;
      line-height: 1.25;
      color: var(--ink);
    }

    .personality-panel p {
      color: #586166;
    }

    .credentials {
      display: grid;
      gap: 10px;
      margin-top: 24px;
      padding-top: 20px;
      border-top: 1px solid var(--line);
      font-size: 13px;
      color: #626a70;
    }

    .personal-pillars {
      display: grid;
      grid-template-columns: repeat(3, minmax(0, 1fr));
      gap: 14px;
      margin-top: 24px;
    }

    .personal-pillar {
      min-height: 112px;
      border: 1px solid var(--line);
      border-radius: var(--radius);
      padding: 18px;
      background: var(--white);
    }

    .personal-pillar strong {
      display: block;
      margin-bottom: 7px;
      color: var(--ink);
    }

    .personal-pillar span {
      color: #5d666c;
      font-size: 14px;
    }

    .testimonial-card {
      display: grid;
      gap: 18px;
      min-height: 268px;
      border: 1px solid var(--line);
      border-radius: var(--radius);
      padding: 26px;
      background: var(--white);
      box-shadow: 0 16px 44px rgba(24, 33, 43, 0.06);
    }

    .testimonial-card p {
      color: #4f585f;
      font-size: 16px;
      line-height: 1.75;
    }

    .testimonial-card footer {
      align-self: end;
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 14px;
      padding-top: 16px;
      border-top: 1px solid var(--line);
      color: #5f676d;
      font-size: 13px;
    }

    .testimonial-card strong {
      display: block;
      color: var(--ink);
      font-size: 15px;
    }

    .testimonial-label {
      color: var(--deep-gold);
      font-weight: 800;
    }

    .guide-card {
      border: 1px solid var(--line);
      border-radius: var(--radius);
      background: var(--white);
      box-shadow: 0 16px 44px rgba(24, 33, 43, 0.05);
    }

    .guide-card {
      display: grid;
      align-content: start;
      gap: 16px;
      padding: 24px;
    }

    .guide-card svg {
      width: 24px;
      height: 24px;
      color: var(--deep-gold);
      stroke: currentColor;
      fill: none;
      stroke-width: 2;
      stroke-linecap: round;
      stroke-linejoin: round;
    }

    .guide-card h3 {
      margin-bottom: 0;
      font-size: 21px;
    }

    .guide-card p {
      color: #5d666c;
      line-height: 1.65;
    }

    .guide-card ul {
      display: grid;
      gap: 8px;
      margin: 0;
      padding: 0;
      list-style: none;
      color: #4f575d;
      font-size: 14px;
    }

    .guide-card li {
      display: flex;
      gap: 9px;
    }

    .guide-card li::before {
      flex: 0 0 auto;
      width: 6px;
      height: 6px;
      margin-top: 8px;
      border-radius: 999px;
      background: var(--gold);
      content: "";
    }

    .calculator-panel {
      display: grid;
      gap: 14px;
      height: 100%;
      border: 1px solid rgba(199, 160, 75, 0.36);
      border-radius: var(--radius);
      padding: 28px;
      background: var(--ink);
      color: var(--white);
    }

    .calculator-panel h3 {
      color: var(--white);
    }

    .calculator-panel p,
    .calculator-note {
      color: rgba(255, 255, 255, 0.72);
    }

    .calculator-panel label {
      color: rgba(255, 255, 255, 0.82);
    }

    .calculator-panel input {
      border-color: rgba(255, 255, 255, 0.18);
      background: rgba(255, 255, 255, 0.08);
      color: var(--white);
    }

    .calculator-result {
      margin-top: 4px;
      padding: 18px;
      border: 1px solid rgba(199, 160, 75, 0.38);
      border-radius: var(--radius);
      background: rgba(199, 160, 75, 0.1);
    }

    .calculator-result strong {
      display: block;
      color: var(--gold);
      font-size: 30px;
      line-height: 1.1;
    }

    .calculator-result span {
      color: rgba(255, 255, 255, 0.72);
      font-size: 13px;
    }

    .service-card,
    .loan-card,
    .borrower-card,
    .contact-panel {
      border: 1px solid var(--line);
      border-radius: var(--radius);
      background: var(--white);
    }

    .service-card,
    .loan-card {
      display: grid;
      min-height: 308px;
      padding: 28px;
      transition: transform 160ms ease, box-shadow 160ms ease;
    }

    .service-card:hover,
    .loan-card:hover,
    .borrower-card:hover {
      transform: translateY(-2px);
      box-shadow: 0 16px 42px rgba(24, 33, 43, 0.08);
    }

    .service-icon {
      display: grid;
      place-items: center;
      width: 44px;
      height: 44px;
      margin-bottom: 24px;
      border: 1px solid rgba(199, 160, 75, 0.48);
      color: var(--deep-gold);
    }

    .service-icon svg,
    .timeline-dot svg,
    .button svg {
      width: 18px;
      height: 18px;
      stroke: currentColor;
      stroke-width: 2;
      fill: none;
      stroke-linecap: round;
      stroke-linejoin: round;
    }

    h3 {
      margin-bottom: 12px;
      font-size: 22px;
      line-height: 1.18;
      letter-spacing: 0;
    }

    .service-card p,
    .loan-card p,
    .borrower-card p,
    .contact-panel p {
      color: #5d666c;
    }

    .service-card ul,
    .loan-card ul {
      display: grid;
      gap: 10px;
      margin: 8px 0 0;
      padding: 0;
      list-style: none;
      color: #4f575d;
      font-size: 14px;
    }

    .service-card li,
    .loan-card li {
      display: flex;
      gap: 10px;
      align-items: flex-start;
    }

    .service-card li::before,
    .loan-card li::before {
      flex: 0 0 auto;
      width: 6px;
      height: 6px;
      margin-top: 8px;
      border-radius: 999px;
      background: var(--green);
      content: "";
    }

    .meet-grid {
      display: grid;
      grid-template-columns: minmax(280px, 0.48fr) minmax(0, 1fr);
      gap: 52px;
      align-items: center;
    }

    .portrait-card {
      border: 1px solid var(--line);
      border-radius: var(--radius);
      padding: 28px;
      background: var(--white);
      box-shadow: 0 18px 48px rgba(24, 33, 43, 0.08);
    }

    .portrait-photo {
      width: min(250px, 82%);
      margin: 0 auto 24px;
    }

    .portrait-photo img {
      width: 100%;
      height: auto;
      filter: drop-shadow(0 18px 30px rgba(24, 33, 43, 0.16));
    }

    .portrait-card h3 {
      margin-bottom: 6px;
      font-size: 26px;
      font-family: Georgia, "Times New Roman", serif;
    }

    .portrait-card p {
      margin-bottom: 16px;
      color: #5d666c;
    }

    .structuring-image {
      margin: 22px 0 0;
      overflow: hidden;
      border: 1px solid var(--line);
      border-radius: var(--radius);
      background: var(--ink);
    }

    .structuring-image img {
      width: 100%;
      aspect-ratio: 16 / 10;
      object-fit: cover;
      object-position: center 43%;
      transition: transform 700ms ease;
    }

    .structuring-image:hover img {
      transform: scale(1.035);
    }

    .signature-line {
      display: inline-flex;
      align-items: center;
      gap: 10px;
      color: var(--deep-gold);
      font-family: Georgia, "Times New Roman", serif;
      font-size: 21px;
      font-style: italic;
    }

    .signature-line::before {
      width: 34px;
      height: 1px;
      background: var(--gold);
      content: "";
    }

    .meet-copy p {
      color: #535c62;
      font-size: 17px;
      line-height: 1.78;
    }

    .industry-line {
      display: inline-flex;
      align-items: center;
      gap: 10px;
      margin: 0 0 18px;
      color: var(--deep-gold);
      font-size: 13px;
      font-weight: 850;
      letter-spacing: 0.08em;
      text-transform: uppercase;
    }

    .industry-line::before {
      width: 32px;
      height: 1px;
      background: var(--gold);
      content: "";
    }

    .meet-points {
      display: grid;
      grid-template-columns: repeat(2, minmax(0, 1fr));
      gap: 14px;
      margin-top: 24px;
    }

    .meet-point {
      border-top: 1px solid var(--line);
      padding-top: 17px;
    }

    .meet-point strong {
      display: block;
      margin-bottom: 6px;
      color: var(--ink);
    }

    .meet-point span {
      color: #5d666c;
      font-size: 14px;
    }

    .panel-section {
      background: var(--paper);
    }

    .loan-card {
      min-height: 292px;
      background: var(--white);
    }

    .loan-card h3 {
      font-size: 21px;
    }

    .borrower-card {
      min-height: 180px;
      border: 1px solid var(--line);
      border-radius: var(--radius);
      padding: 22px;
      background: var(--white);
      transition: transform 160ms ease, box-shadow 160ms ease;
    }

    .borrower-card strong {
      display: block;
      margin-bottom: 9px;
      color: var(--ink);
      font-size: 18px;
    }

    .borrower-card span {
      color: #5d666c;
      font-size: 14px;
      line-height: 1.6;
    }

    .lender-panel {
      display: grid;
      grid-template-columns: minmax(0, 0.7fr) minmax(260px, 0.42fr);
      gap: 32px;
      align-items: center;
      margin-top: 34px;
      border: 1px solid rgba(199, 160, 75, 0.3);
      border-radius: var(--radius);
      padding: 30px;
      background: linear-gradient(135deg, #fffefa 0%, #f7f1e3 100%);
    }

    .lender-panel h3 {
      margin-bottom: 8px;
      font-family: Georgia, "Times New Roman", serif;
      font-size: 30px;
    }

    .lender-panel p {
      margin-bottom: 0;
      color: #555e64;
      line-height: 1.75;
    }

    .panel-proof {
      display: grid;
      gap: 10px;
    }

    .panel-proof-item {
      display: grid;
      gap: 4px;
      padding: 16px;
      border: 1px solid rgba(24, 33, 43, 0.12);
      border-radius: var(--radius);
      background: var(--white);
    }

    .panel-proof-item strong {
      display: block;
      color: var(--deep-gold);
      font-size: 14px;
      letter-spacing: 0.08em;
      text-transform: uppercase;
    }

    .panel-proof-item span {
      color: #5d666c;
      font-size: 14px;
      line-height: 1.5;
    }

    .lender-logo-section {
      margin-top: 22px;
      border: 1px solid var(--line);
      border-radius: var(--radius);
      padding: 24px;
      background: var(--white);
    }

    .lender-logo-head {
      display: flex;
      align-items: end;
      justify-content: space-between;
      gap: 18px;
      margin-bottom: 18px;
    }

    .lender-logo-head h3 {
      margin-bottom: 0;
      font-family: Georgia, "Times New Roman", serif;
      font-size: 28px;
    }

    .lender-logo-head p {
      max-width: 470px;
      margin-bottom: 0;
      color: #5d666c;
      font-size: 14px;
      line-height: 1.65;
    }

    .lender-logo-wall {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(126px, 1fr));
      gap: 10px;
    }

    .lender-logo-card {
      display: grid;
      place-items: center;
      min-height: 74px;
      border: 1px solid rgba(24, 33, 43, 0.1);
      border-radius: var(--radius);
      padding: 12px;
      background: #fffefa;
      transition: transform 160ms ease, box-shadow 160ms ease;
    }

    .lender-logo-card:hover {
      transform: translateY(-2px);
      box-shadow: 0 12px 30px rgba(24, 33, 43, 0.08);
    }

    .lender-logo-card img {
      max-width: 100%;
      max-height: 46px;
      object-fit: contain;
    }

    .lender-disclaimer {
      margin: 16px 0 0;
      color: #767d82;
      font-size: 11px;
      line-height: 1.6;
    }

    .locations-panel {
      display: grid;
      grid-template-columns: minmax(0, 0.78fr) minmax(280px, 0.42fr);
      gap: 28px;
      align-items: stretch;
      margin-top: 34px;
    }

    .location-card {
      min-height: 210px;
      border: 1px solid var(--line);
      border-radius: var(--radius);
      padding: 24px;
      background: var(--white);
      box-shadow: 0 18px 44px rgba(24, 33, 43, 0.06);
    }

    .location-card strong {
      display: block;
      margin-bottom: 8px;
      font-family: Georgia, "Times New Roman", serif;
      font-size: 25px;
      line-height: 1.08;
      color: var(--ink);
    }

    .location-card span {
      display: block;
      color: #596268;
      font-size: 14px;
      line-height: 1.65;
    }

    .location-card em {
      display: inline-block;
      margin-top: 16px;
      color: var(--deep-gold);
      font-size: 12px;
      font-style: normal;
      font-weight: 850;
      letter-spacing: 0.08em;
      text-transform: uppercase;
    }

    .locations-summary {
      display: grid;
      align-content: start;
      gap: 18px;
      border: 1px solid rgba(199, 160, 75, 0.35);
      border-radius: var(--radius);
      padding: 28px;
      background: linear-gradient(145deg, #fffefa 0%, #f4eddd 100%);
    }

    .locations-summary h3 {
      margin-bottom: 10px;
      font-family: Georgia, "Times New Roman", serif;
      font-size: 31px;
      line-height: 1.1;
    }

    .specialist-hero {
      padding: 142px 24px 78px;
      background: linear-gradient(135deg, var(--ink) 0%, #26313c 58%, #314437 100%);
      color: var(--white);
    }

    .specialist-hero-grid {
      display: grid;
      grid-template-columns: minmax(0, 0.68fr) minmax(280px, 0.32fr);
      gap: 56px;
      align-items: center;
    }

    .specialist-hero h1 {
      max-width: 720px;
      margin-bottom: 22px;
      font-size: clamp(42px, 4.3vw, 58px);
      line-height: 1.06;
      text-wrap: balance;
    }

    .specialist-hero .section-intro {
      max-width: 650px;
      color: rgba(255, 255, 255, 0.82);
      font-size: 17px;
      line-height: 1.68;
    }

    .specialist-hero .hero-actions {
      margin-top: 24px;
    }

    .specialist-hero .button-secondary {
      border-color: rgba(255, 255, 255, 0.36);
      color: var(--white);
      background: rgba(255, 255, 255, 0.1);
      box-shadow: none;
    }

    .specialist-panel,
    .specialist-card {
      border: 1px solid var(--line);
      border-radius: var(--radius);
      padding: 26px;
      background: var(--white);
      box-shadow: 0 18px 44px rgba(24, 33, 43, 0.06);
    }

    .specialist-panel {
      align-self: center;
      max-width: 360px;
      margin-left: auto;
      border-color: rgba(255, 255, 255, 0.18);
      background: rgba(255, 255, 255, 0.08);
      color: rgba(255, 255, 255, 0.78);
      backdrop-filter: blur(18px);
    }

    .specialist-panel strong,
    .specialist-card h2 {
      display: block;
      color: var(--ink);
      font-family: Georgia, "Times New Roman", serif;
      line-height: 1.08;
    }

    .specialist-panel strong {
      margin-bottom: 10px;
      color: var(--gold);
      font-size: 24px;
    }

    .specialist-content-grid,
    .specialist-approach {
      display: grid;
      grid-template-columns: repeat(2, minmax(0, 1fr));
      gap: 30px;
      align-items: start;
    }

    .specialist-card h2 {
      margin-bottom: 18px;
      font-size: 28px;
    }

    .specialist-insight {
      grid-column: 1 / -1;
      max-width: 980px;
      margin-bottom: 6px;
      border-left: 3px solid var(--gold);
      padding: 4px 0 4px 22px;
    }

    .specialist-insight h2 {
      max-width: 760px;
      margin-bottom: 12px;
      font-size: clamp(28px, 3.2vw, 40px);
      line-height: 1.08;
    }

    .specialist-insight p:not(.kicker) {
      max-width: 900px;
      margin: 0;
      color: #566069;
      font-size: 17px;
      line-height: 1.62;
    }

    .specialist-quick-cta {
      grid-column: 1 / -1;
      display: grid;
      grid-template-columns: minmax(0, 1fr) minmax(240px, 0.38fr);
      gap: 22px;
      align-items: center;
      margin-top: 4px;
      border: 1px solid rgba(199, 160, 75, 0.32);
      border-radius: var(--radius);
      padding: 24px;
      background: linear-gradient(145deg, #fffefa 0%, #f3ead6 100%);
      box-shadow: 0 18px 44px rgba(24, 33, 43, 0.06);
    }

    .specialist-quick-cta h2 {
      max-width: 760px;
      margin-bottom: 10px;
      font-size: clamp(24px, 2.7vw, 32px);
      line-height: 1.12;
    }

    .specialist-quick-cta p:not(.kicker) {
      max-width: 780px;
      margin: 0;
      color: #5b646b;
    }

    .specialist-quick-actions {
      display: grid;
      gap: 12px;
      justify-items: stretch;
    }

    .specialist-text-link {
      color: var(--ink);
      font-weight: 800;
      text-align: center;
      text-decoration-color: rgba(199, 160, 75, 0.7);
      text-underline-offset: 4px;
    }

    .check-list {
      display: grid;
      gap: 12px;
      margin: 0;
      padding: 0;
      list-style: none;
    }

    .check-list li {
      display: grid;
      grid-template-columns: 22px minmax(0, 1fr);
      gap: 10px;
      color: #596268;
      line-height: 1.55;
    }

    .check-list li::before {
      color: var(--deep-gold);
      font-weight: 900;
      content: "\2713";
    }

    .approach-steps {
      display: grid;
      gap: 12px;
    }

    .approach-steps div {
      border: 1px solid var(--line);
      border-radius: var(--radius);
      padding: 18px;
      background: var(--white);
    }

    .approach-steps strong {
      display: block;
      margin-bottom: 6px;
      color: var(--ink);
    }

    .approach-steps span {
      color: #596268;
      line-height: 1.6;
    }

    .button-on-light {
      border-color: rgba(24, 33, 43, 0.24);
      color: var(--ink);
      background: rgba(255, 255, 255, 0.18);
    }

    .locations-summary p {
      color: #586166;
      line-height: 1.7;
    }

    .location-tags {
      display: flex;
      flex-wrap: wrap;
      gap: 8px;
      margin-top: 16px;
    }

    .location-tags span {
      border: 1px solid rgba(24, 33, 43, 0.12);
      border-radius: 999px;
      padding: 7px 10px;
      background: var(--white);
      color: #4f5960;
      font-size: 12px;
      font-weight: 760;
    }

    .location-cta {
      width: fit-content;
      min-height: 46px;
      padding: 0 18px;
      white-space: nowrap;
    }

    .journey {
      display: grid;
      grid-template-columns: minmax(280px, 0.52fr) minmax(0, 1fr);
      gap: 44px;
      align-items: start;
    }

    .journey-copy {
      position: sticky;
      top: 104px;
    }

    .journey-copy p {
      color: rgba(255, 255, 255, 0.74);
      font-size: 17px;
      line-height: 1.75;
    }

    .timeline {
      display: grid;
      gap: 14px;
    }

    .timeline-item {
      display: grid;
      grid-template-columns: 52px minmax(0, 1fr);
      gap: 16px;
      padding: 22px;
      border: 1px solid rgba(255, 255, 255, 0.13);
      border-radius: var(--radius);
      background: rgba(255, 255, 255, 0.055);
    }

    .timeline-dot {
      display: grid;
      place-items: center;
      width: 44px;
      height: 44px;
      border: 1px solid rgba(199, 160, 75, 0.52);
      color: var(--gold);
    }

    .timeline-item h3 {
      margin-bottom: 7px;
      color: var(--white);
      font-size: 18px;
    }

    .timeline-item p {
      margin-bottom: 0;
      color: rgba(255, 255, 255, 0.68);
      font-size: 14px;
    }

    .agent-band {
      display: grid;
      grid-template-columns: minmax(0, 1fr) minmax(300px, 0.55fr);
      gap: 48px;
      align-items: center;
    }

    .agent-stack {
      display: grid;
      gap: 12px;
    }

    .agent-row {
      display: grid;
      grid-template-columns: 110px minmax(0, 1fr) 42px;
      gap: 14px;
      align-items: center;
      min-height: 58px;
      border-bottom: 1px solid var(--line);
      color: #485157;
      font-size: 14px;
    }

    .agent-row strong {
      color: var(--ink);
    }

    .agent-state {
      display: grid;
      place-items: center;
      width: 36px;
      height: 36px;
      border: 1px solid rgba(65, 107, 90, 0.25);
      color: var(--green);
    }

    .contact-grid {
      display: grid;
      grid-template-columns: minmax(0, 0.85fr) minmax(330px, 0.65fr);
      gap: 42px;
      align-items: start;
    }

    .faq-grid {
      display: grid;
      grid-template-columns: repeat(2, minmax(0, 1fr));
      gap: 16px;
    }

    .faq-item {
      border-top: 1px solid var(--line);
      padding: 22px 0 6px;
    }

    .faq-item h3 {
      margin-bottom: 8px;
      font-size: 18px;
    }

    .faq-item p {
      margin-bottom: 0;
      color: #5d666c;
    }

    .contact-panel {
      padding: 30px;
      box-shadow: 0 18px 46px rgba(24, 33, 43, 0.08);
    }

    .field-grid {
      display: grid;
      grid-template-columns: repeat(2, minmax(0, 1fr));
      gap: 14px;
    }

    .quick-check {
      display: grid;
      grid-template-columns: repeat(3, minmax(0, 1fr));
      gap: 8px;
      margin: 18px 0 20px;
    }

    .quick-check span {
      display: grid;
      place-items: center;
      min-height: 40px;
      border: 1px solid rgba(199, 160, 75, 0.3);
      border-radius: var(--radius);
      background: rgba(199, 160, 75, 0.08);
      color: #5b513a;
      font-size: 12px;
      font-weight: 800;
      text-align: center;
    }

    .field {
      display: grid;
      gap: 7px;
      margin-bottom: 14px;
    }

    .field-full {
      grid-column: 1 / -1;
    }

    label {
      color: #4b545a;
      font-size: 13px;
      font-weight: 760;
    }

    input,
    select,
    textarea {
      width: 100%;
      min-height: 46px;
      border: 1px solid rgba(24, 33, 43, 0.17);
      border-radius: var(--radius);
      padding: 11px 12px;
      background: #fffefa;
      color: var(--ink);
    }

    textarea {
      min-height: 112px;
      resize: vertical;
    }

    input:focus,
    select:focus,
    textarea:focus {
      outline: 3px solid rgba(199, 160, 75, 0.24);
      border-color: var(--gold);
    }

    .form-note {
      margin: 14px 0 0;
      color: #747b80;
      font-size: 12px;
    }

    .privacy-note {
      margin-top: 12px;
      color: #6d7479;
      font-size: 12px;
      line-height: 1.6;
    }

    .contact-facts {
      display: grid;
      gap: 18px;
      margin-top: 28px;
    }

    .fact-line {
      display: grid;
      grid-template-columns: 36px minmax(0, 1fr);
      gap: 13px;
      align-items: start;
    }

    .fact-line svg {
      width: 20px;
      height: 20px;
      margin-top: 2px;
      color: var(--deep-gold);
      stroke: currentColor;
      fill: none;
      stroke-width: 2;
      stroke-linecap: round;
      stroke-linejoin: round;
    }

    .fact-line strong {
      display: block;
      margin-bottom: 3px;
    }

    .fact-line span {
      color: #5c656b;
    }

    .social-row {
      display: flex;
      flex-wrap: wrap;
      gap: 9px;
      margin-top: 10px;
    }

    .social-link {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      min-height: 36px;
      border: 1px solid rgba(199, 160, 75, 0.32);
      border-radius: var(--radius);
      padding: 0 12px;
      background: rgba(255, 255, 255, 0.48);
      color: var(--deep-gold);
      font-size: 13px;
      font-weight: 800;
    }

    .social-link.is-muted {
      color: #6d7479;
      background: rgba(24, 33, 43, 0.04);
      border-color: rgba(24, 33, 43, 0.12);
    }

    .conversion-cta {
      display: grid;
      grid-template-columns: minmax(0, 1fr) minmax(260px, 0.44fr);
      gap: 28px;
      align-items: center;
      margin-top: 42px;
      padding: 28px;
      background: var(--ink);
      color: var(--white);
    }

    .journey > .conversion-cta {
      grid-column: 1 / -1;
    }

    .conversion-cta.is-light {
      border: 1px solid rgba(199, 160, 75, 0.28);
      background: #fffefa;
      color: var(--ink);
    }

    .conversion-cta h3 {
      max-width: 720px;
      margin-bottom: 0;
      font-size: clamp(24px, 3vw, 34px);
      line-height: 1.15;
    }

    .conversion-cta p {
      max-width: 720px;
      margin-top: 8px;
      color: rgba(255, 255, 255, 0.74);
    }

    .conversion-cta.is-light p {
      color: #5d666c;
    }

    .conversion-cta .button-secondary {
      border-color: rgba(199, 160, 75, 0.46);
      color: inherit;
      background: rgba(255, 255, 255, 0.08);
    }

    .conversion-actions {
      display: flex;
      flex-wrap: wrap;
      justify-content: flex-end;
      gap: 12px;
    }

    .conversion-actions .button {
      flex: 1 1 190px;
      white-space: normal;
      text-align: center;
    }

    .footer {
      padding: 34px 24px;
      border-top: 1px solid var(--line);
      background: var(--paper);
    }

    .footer-inner {
      display: grid;
      grid-template-columns: minmax(0, 1.4fr) minmax(160px, 0.6fr) auto;
      align-items: start;
      gap: 22px;
      max-width: 1180px;
      margin: 0 auto;
      color: #747b80;
      font-size: 12px;
    }

    .footer-brand {
      display: grid;
      gap: 6px;
      max-width: 620px;
      line-height: 1.55;
    }

    .footer-brand strong {
      color: var(--ink);
      font-size: 15px;
    }

    .footer-contact {
      display: grid;
      gap: 8px;
      font-weight: 760;
    }

    .footer-contact a {
      color: var(--ink);
    }

    .footer-links {
      display: flex;
      flex-wrap: wrap;
      gap: 14px;
      color: var(--deep-gold);
    }

    .success-message {
      display: none;
      margin-top: 16px;
      padding: 13px 14px;
      border: 1px solid rgba(65, 107, 90, 0.22);
      border-radius: var(--radius);
      background: rgba(65, 107, 90, 0.08);
      color: var(--green);
      font-size: 14px;
      font-weight: 760;
    }

    .success-message.is-visible {
      display: block;
    }

    @media (max-width: 920px) {
      .nav {
        background: rgba(24, 33, 43, 0.94);
      }

      .nav-inner {
        position: relative;
        flex-wrap: wrap;
        justify-content: space-between;
      }

      .mobile-menu-toggle {
        display: inline-flex;
        margin-left: auto;
      }

      .nav-cta {
        display: none;
      }

      .nav-links {
        display: none;
      }

      .nav-links.is-open,
      .nav-inner:focus-within .nav-links {
        order: 3;
        display: grid;
        grid-template-columns: 1fr;
        gap: 4px;
        width: 100%;
        margin-top: 10px;
        border: 1px solid rgba(255, 255, 255, 0.14);
        border-radius: var(--radius);
        padding: 8px;
        background: rgba(24, 33, 43, 0.98);
        box-shadow: 0 18px 44px rgba(0, 0, 0, 0.22);
      }

      .nav-links.is-open > a,
      .nav-links.is-open .nav-dropdown > a,
      .nav-inner:focus-within .nav-links > a,
      .nav-inner:focus-within .nav-links .nav-dropdown > a {
        display: flex;
        align-items: center;
        min-height: 42px;
        border-radius: 6px;
        padding: 0 10px;
        color: rgba(255, 255, 255, 0.88);
      }

      .nav-links.is-open > a:hover,
      .nav-links.is-open .nav-dropdown > a:hover,
      .nav-inner:focus-within .nav-links > a:hover,
      .nav-inner:focus-within .nav-links .nav-dropdown > a:hover {
        background: rgba(199, 160, 75, 0.14);
        color: var(--white);
      }

      .nav-links.is-open .nav-dropdown,
      .nav-inner:focus-within .nav-links .nav-dropdown {
        display: grid;
        min-height: 0;
      }

      .nav-links.is-open .nav-dropdown-menu,
      .nav-inner:focus-within .nav-links .nav-dropdown-menu {
        position: static;
        display: grid;
        min-width: 0;
        transform: none;
        border-color: rgba(255, 255, 255, 0.08);
        margin: 2px 0 4px;
        padding: 4px 0 4px 12px;
        background: transparent;
        box-shadow: none;
        opacity: 1;
        pointer-events: auto;
      }

      .nav-links.is-open .nav-dropdown-menu a,
      .nav-inner:focus-within .nav-links .nav-dropdown-menu a {
        min-height: 38px;
        padding: 9px 10px;
      }

      .hero {
        min-height: auto;
      }

      .hero-inner {
        min-height: 780px;
        padding-top: 112px;
      }

      .hero-proof,
      .outcome-grid,
      .service-grid,
      .loan-grid,
      .borrower-grid,
      .testimonial-grid,
      .location-grid,
      .property-calc-grid,
      .toolkit-library,
      .tool-grid,
      .meet-points,
      .personal-pillars,
      .faq-grid {
        grid-template-columns: 1fr;
      }

      .section-heading,
      .property-calc-head,
      .wealth-grid,
      .meet-grid,
      .trust-grid,
      .journey,
      .agent-band,
      .lender-panel,
      .locations-panel,
      .conversion-cta,
      .contact-grid {
        grid-template-columns: 1fr;
      }

      .specialist-hero-grid,
      .specialist-content-grid,
      .specialist-approach,
      .specialist-quick-cta {
        grid-template-columns: 1fr;
      }

      .lender-logo-head {
        display: grid;
      }

      .journey-copy {
        position: static;
      }

      .conversion-actions {
        justify-content: flex-start;
      }

      .conversion-actions .button {
        flex: 1 1 220px;
      }
    }

    @media (max-width: 640px) {
      .nav-inner {
        padding: 12px 16px;
      }

      .brand {
        min-width: 0;
        font-size: 20px;
      }

      .section {
        padding: 64px 18px;
      }

      .section-heading {
        gap: 18px;
        margin-bottom: 30px;
      }

      .conversion-cta,
      .calculator-panel {
        padding: 22px;
      }

      .property-calculator {
        padding: 18px;
      }

      .property-field {
        grid-template-columns: minmax(0, 1fr) minmax(96px, 112px);
        gap: 8px;
      }

      .hero-inner,
      .section {
        padding-left: 18px;
        padding-right: 18px;
      }

      .hero-inner {
        min-height: auto;
        padding-top: 104px;
        padding-bottom: 34px;
      }

      h1 {
        font-size: 44px;
      }

      .specialist-hero {
        padding: 118px 18px 62px;
      }

      .specialist-hero h1 {
        font-size: 39px;
        line-height: 1.04;
      }

      .specialist-hero .section-intro {
        font-size: 16px;
        line-height: 1.68;
      }

      .hero-lede {
        font-size: 17px;
      }

      .hero-actions {
        gap: 10px;
      }

      .hero-actions .button-primary {
        width: 100%;
        padding: 0 12px;
        font-size: 14px;
      }

      .hero-call-link {
        text-align: center;
      }

      .hero-proof {
        display: none;
      }

      .proof-item {
        min-height: auto;
      }

      .proof-item strong {
        font-size: 15px;
      }

      .proof-item span {
        font-size: 13px;
      }

      .property-calc-head {
        margin-bottom: 18px;
      }

      .property-calc-head h3 {
        font-size: 29px;
      }

      .property-card {
        gap: 11px;
        padding: 15px;
      }

      .property-card-head {
        display: grid;
      }

      .property-name {
        min-height: 40px;
      }

      .property-fieldset-title {
        margin-top: 0;
      }

      .property-results {
        padding: 12px;
      }

      .outcome-item {
        min-height: auto;
        padding: 20px;
      }

      .outcome-item strong {
        font-size: 21px;
      }

      .outcome-item span {
        line-height: 1.55;
      }

      .proof-item,
      .service-card,
      .loan-card,
      .location-card,
      .borrower-card,
      .portrait-card,
      .personality-panel,
      .timeline-item,
      .contact-panel,
      .lender-panel {
        padding: 20px;
      }

      .motion-reveal {
        animation: none;
      }

      .structuring-image img {
        transition: none;
      }

      .lender-logo-card:hover {
        transform: none;
      }

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

      .quick-check {
        grid-template-columns: 1fr;
      }

      .agent-row {
        grid-template-columns: 1fr 36px;
      }

      .agent-row strong {
        grid-column: 1 / -1;
      }

      .footer-inner {
        display: grid;
        grid-template-columns: 1fr;
        gap: 16px;
      }

      .footer-contact,
      .footer-links {
        gap: 10px;
      }
    }

    @media (prefers-reduced-motion: reduce) {
      *,
      *::before,
      *::after {
        scroll-behavior: auto !important;
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
      }
    }