:root {
  --brand: #168fe5;
  --brand-dark: #0065ad;
  --navy: #071d2e;
  --ink: #142c3e;
  --muted: #536a7a;
  --paper: #ffffff;
  --wash: #f3f7fa;
  --line: #cdd9e1;
  --warning: #fff3ce;
  --warning-ink: #5b4300;
  --space-1: .5rem;
  --space-2: .75rem;
  --space-3: 1rem;
  --space-4: 1.5rem;
  --space-5: 2rem;
  --space-6: 3rem;
  --space-7: 4.5rem;
  --space-8: 6.5rem;
  --radius-sm: .25rem;
  --radius-md: .625rem;
  --shadow: 0 16px 36px rgba(7, 29, 46, .10);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--paper); font: 400 1rem/1.65 "DM Sans", Arial, sans-serif; }
body.menu-open { overflow: hidden; }
img { display: block; max-width: 100%; }
a { color: inherit; text-underline-offset: .2em; }
svg { fill: none; stroke: currentColor; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
.container { width: min(1160px, calc(100% - 3rem)); margin-inline: auto; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.skip-link { position: fixed; left: 1rem; top: -5rem; z-index: 100; background: var(--paper); color: var(--navy); padding: .75rem 1rem; border: 2px solid var(--navy); }
.skip-link:focus { top: 1rem; }
:focus-visible { outline: 3px solid #ffbf47; outline-offset: 3px; }

.utility-bar { background: var(--navy); color: #eaf4fb; font-size: .75rem; }
.utility-inner { min-height: 2.25rem; display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.utility-contacts { display: flex; gap: .7rem; }
.utility-bar a { text-decoration: none; }
.utility-bar a:hover { text-decoration: underline; }

.site-header { position: sticky; top: 0; z-index: 30; background: rgba(255,255,255,.98); border-bottom: 1px solid var(--line); }
.nav-wrap { min-height: 5rem; display: flex; align-items: center; justify-content: space-between; gap: 2rem; }
.brand { display: inline-flex; align-items: center; gap: .75rem; color: var(--navy); text-decoration: none; font: 800 1.05rem/1.1 Manrope, sans-serif; }
.brand-logo { display: block; width: 3.75rem; height: 3.75rem; object-fit: contain; }
.footer-logo { width: 5rem; height: 5rem; }
.brand small { display: block; margin-top: .3rem; color: var(--muted); font: 600 .62rem/1.1 "DM Sans", sans-serif; letter-spacing: .1em; text-transform: uppercase; }
.brand-symbol { width: 2.6rem; height: 2.6rem; color: var(--brand); stroke: none; flex: 0 0 auto; }
nav { display: flex; align-items: center; gap: 1.6rem; font-size: .875rem; font-weight: 700; }
nav a { text-decoration: none; }
nav a:hover { color: var(--brand-dark); }
.nav-cta { padding: .75rem 1rem; color: #fff !important; background: var(--navy); border-radius: var(--radius-sm); }
.nav-cta:hover { background: var(--brand-dark); }
.menu-toggle { display: none; width: 2.75rem; height: 2.75rem; background: transparent; border: 1px solid var(--line); border-radius: var(--radius-sm); }
.menu-icon, .menu-icon::before, .menu-icon::after { display: block; width: 1.25rem; height: 2px; background: var(--navy); content: ""; transition: transform .2s; }
.menu-icon { position: relative; margin: auto; }
.menu-icon::before { position: absolute; top: -.4rem; }
.menu-icon::after { position: absolute; top: .4rem; }
.menu-open .menu-icon { background: transparent; }
.menu-open .menu-icon::before { top: 0; transform: rotate(45deg); }
.menu-open .menu-icon::after { top: 0; transform: rotate(-45deg); }

h1, h2, h3 { margin-top: 0; font-family: Manrope, sans-serif; color: var(--navy); }
h1 { max-width: 12ch; margin-bottom: var(--space-4); font-size: clamp(2.65rem, 5.3vw, 4.8rem); line-height: 1.03; letter-spacing: -.055em; }
h2 { margin-bottom: var(--space-4); font-size: clamp(2rem, 3.6vw, 3.45rem); line-height: 1.08; letter-spacing: -.04em; }
h3 { line-height: 1.2; letter-spacing: -.02em; }
.section { padding-block: var(--space-8); }
.section-label, .kicker { margin: 0 0 var(--space-3); color: var(--brand-dark); font-size: .76rem; font-weight: 800; letter-spacing: .11em; text-transform: uppercase; }
.section-label.light { color: #cbe9fc; }

.hero { overflow: hidden; background: linear-gradient(110deg, var(--brand) 0 63%, var(--brand-dark) 100%); color: #fff; border-bottom: .55rem solid var(--navy); }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.08fr) minmax(22rem, .92fr); gap: clamp(2.5rem, 5vw, 5.5rem); align-items: stretch; padding-top: clamp(4rem, 7vw, 6.5rem); }
.hero-copy { align-self: center; padding-bottom: clamp(4rem, 7vw, 6.5rem); }
.hero h1 { color: #fff; }
.kicker { color: #dcefff; }
.hero-intro { max-width: 40rem; margin: 0 0 var(--space-5); color: #f2f9fe; font-size: 1.12rem; }
.hero-actions { display: flex; align-items: center; gap: var(--space-4); flex-wrap: wrap; }
.button { display: inline-flex; align-items: center; justify-content: center; gap: .8rem; min-height: 3rem; padding: .8rem 1.1rem; border-radius: var(--radius-sm); font-weight: 800; text-decoration: none; }
.button svg { width: 1.15rem; }
.button-light { color: var(--navy); background: #fff; }
.button-dark { color: #fff; background: var(--navy); }
.button:hover { transform: translateY(-1px); }
.text-action { color: #fff; font-weight: 700; }
.product-facts { display: grid; grid-template-columns: repeat(3, 1fr); margin: var(--space-6) 0 0; border-top: 1px solid rgba(255,255,255,.45); }
.product-facts div { padding: 1.2rem 1rem 0 0; }
.product-facts dt { color: #d9effe; font-size: .72rem; text-transform: uppercase; letter-spacing: .07em; }
.product-facts dd { margin: .25rem 0 0; font: 700 1rem Manrope, sans-serif; }
.hero-brand-panel { display: flex; align-items: end; min-width: 0; }
.hero-photo-frame { position: relative; width: 100%; max-width: 34rem; margin-left: auto; }
.hero-photo-frame::before { position: absolute; z-index: 1; inset: 0 auto 0 0; width: 28%; background: linear-gradient(90deg, var(--brand), transparent); content: ""; pointer-events: none; }
.hero-photo { display: block; width: 100%; height: clamp(34rem, 50vw, 45rem); object-fit: cover; object-position: 50% 12%; border-radius: 10rem 10rem 0 0; }
.hero-assessment { position: absolute; z-index: 2; right: 1rem; bottom: 1.25rem; left: clamp(2.5rem, 7vw, 5rem); padding: 1rem 1.1rem; color: #fff; background: rgba(7,29,46,.9); border-left: 3px solid #74c4f5; backdrop-filter: blur(8px); }
.hero-assessment strong, .hero-assessment span { display: block; }
.hero-assessment strong { font: 800 .9rem Manrope, sans-serif; }
.hero-assessment span { margin-top: .25rem; color: #d9e7ef; font-size: .78rem; line-height: 1.45; }

.split-heading { display: grid; grid-template-columns: 1.15fr .85fr; gap: clamp(3rem, 8vw, 7rem); align-items: end; margin-bottom: var(--space-6); }
.split-heading h2 { margin-bottom: 0; }
.split-heading > p { margin: 0; color: var(--muted); font-size: 1.05rem; }
.comparison { display: grid; grid-template-columns: 1fr 1fr; border: 1px solid var(--line); }
.option { padding: clamp(2rem, 4vw, 3.5rem); }
.option + .option { border-left: 1px solid var(--line); }
.option-primary { background: var(--wash); }
.option-heading { display: flex; gap: 1.2rem; align-items: flex-start; }
.option-heading svg { width: 2rem; min-width: 2rem; color: var(--brand-dark); }
.option-heading p { margin: 0 0 .35rem; color: var(--brand-dark); font-size: .78rem; font-weight: 800; text-transform: uppercase; letter-spacing: .08em; }
.option-heading h3 { margin: 0; font-size: 1.5rem; }
.option dl { margin: var(--space-5) 0; }
.option dl div { display: grid; grid-template-columns: 7.5rem 1fr; gap: 1rem; padding: .75rem 0; border-top: 1px solid var(--line); }
.option dt { color: var(--muted); font-size: .83rem; }
.option dd { margin: 0; font-weight: 600; }
.option > a, .returning-note a, .inline-link { color: var(--brand-dark); font-weight: 800; }
.returning-note { display: grid; grid-template-columns: auto 1fr auto; gap: 1.25rem; align-items: center; padding-block: 1.4rem; border-bottom: 1px solid var(--line); }
.returning-note span { color: var(--muted); }

.application { color: #e7f0f6; background: var(--navy); }
.application h2, .application h3 { color: #fff; }
.application .section-label { color: #74c4f5; }
.application-grid { display: grid; grid-template-columns: minmax(0, 2fr) minmax(0, 3fr); gap: clamp(3rem, 7vw, 7rem); align-items: center; }
.application-heading > p:not(.section-label) { max-width: 34rem; color: #d2e0e9; font-size: 1.05rem; }
.application-photo { position: relative; max-width: 29rem; margin: var(--space-5) 0 0; overflow: hidden; border-radius: 9rem 9rem var(--radius-md) var(--radius-md); }
.application-photo::after { position: absolute; inset: auto 0 0; height: 32%; background: linear-gradient(transparent, var(--navy)); content: ""; pointer-events: none; }
.application-photo img { display: block; width: 100%; height: clamp(21rem, 38vw, 31rem); object-fit: cover; object-position: 50% 18%; }
.application-journey { padding-block: var(--space-3); }
.application-steps { position: relative; margin: 0; padding: 0; list-style: none; }
.application-steps::before { position: absolute; top: 2.15rem; bottom: 2.15rem; left: 2rem; width: 1px; background: #2f566e; content: ""; }
.application-steps li { position: relative; display: grid; grid-template-columns: 4rem 1fr; gap: 1.4rem; min-height: 7.3rem; padding: .75rem 0; }
.application-steps li > span { position: relative; z-index: 1; display: grid; width: 4rem; height: 4rem; place-items: center; color: #fff; background: var(--brand-dark); border: 1px solid #68bced; border-radius: 50%; font: 800 1.15rem Manrope, sans-serif; }
.application-steps h3 { margin: .1rem 0 .35rem; font-size: clamp(1.2rem, 2vw, 1.45rem); }
.application-steps p { max-width: 35rem; margin: 0; color: #c9d8e2; font-size: 1rem; line-height: 1.65; }
.application-security { display: flex; gap: 1rem; margin: var(--space-4) 6.5rem var(--space-4) 0; padding: 1rem 1.15rem; background: #102f43; border: 1px solid #31546b; border-radius: var(--radius-md); }
.application-security svg { flex: 0 0 auto; width: 1.7rem; color: #74c4f5; }
.application-security strong { color: #fff; }
.application-security p { margin: .15rem 0 0; color: #c9d8e2; font-size: .9rem; }
.application-cta { margin-top: var(--space-2); }

.calculator-section { background: var(--wash); }
.calculator-layout { display: grid; grid-template-columns: .8fr 1.2fr; gap: clamp(3rem, 8vw, 8rem); align-items: start; }
.calculator-copy > p:not(.section-label) { color: var(--muted); font-size: 1.05rem; }
.rate-warning { margin-top: var(--space-5); padding: 1rem; color: var(--warning-ink); background: var(--warning); border-left: 4px solid #c49300; }
.rate-warning strong, .rate-warning span { display: block; }
.rate-warning span { margin-top: .2rem; font-size: .88rem; }
.calculator-card { padding: clamp(1.5rem, 4vw, 3rem); background: #fff; border-top: .35rem solid var(--brand); box-shadow: var(--shadow); }
.amount-row { display: flex; justify-content: space-between; align-items: flex-end; gap: 1rem; }
.amount-row label, legend { font-weight: 800; }
.amount-row output { color: var(--brand-dark); font: 800 2.1rem Manrope, sans-serif; }
input[type="range"] { width: 100%; margin-top: 1.6rem; accent-color: var(--brand-dark); }
.range-labels { display: flex; justify-content: space-between; color: var(--muted); font-size: .75rem; }
fieldset { margin: var(--space-5) 0; padding: 0; border: 0; }
legend { margin-bottom: .7rem; }
.term-picker { display: grid; grid-template-columns: repeat(3, 1fr); gap: .5rem; }
.term-picker input { position: absolute; opacity: 0; }
.term-picker span { display: block; padding: .75rem; text-align: center; border: 1px solid var(--line); border-radius: var(--radius-sm); cursor: pointer; font-weight: 700; }
.term-picker input:focus-visible + span { outline: 3px solid #ffbf47; outline-offset: 2px; }
.term-picker input:checked + span { color: #fff; background: var(--brand-dark); border-color: var(--brand-dark); }
.calculator-results { display: grid; grid-template-columns: .55fr 1fr 1fr; border-block: 1px solid var(--line); }
.calculator-results div { padding: 1.2rem .8rem 1.2rem 0; }
.calculator-results div + div { padding-left: 1.1rem; border-left: 1px solid var(--line); }
.calculator-results span, .calculator-results strong { display: block; }
.calculator-results span { min-height: 2.5rem; color: var(--muted); font-size: .75rem; }
.calculator-results strong { margin-top: .35rem; font: 800 1.25rem Manrope, sans-serif; }
.calculator-results.instalment-only { grid-template-columns: 1fr; }
.calculator-results.instalment-only div { padding: 1.2rem 0; }
.calculator-results.instalment-only span { min-height: 0; }
.calculator-results.instalment-only strong { color: var(--brand-dark); font-size: clamp(1.8rem, 5vw, 2.5rem); }
.calculator-card .button { width: 100%; margin-top: var(--space-5); }
.calculator-legal { margin-bottom: 0; color: var(--muted); font-size: .78rem; }

.request-section { background: #fff; }
.request-layout { display: grid; grid-template-columns: .72fr 1.28fr; gap: clamp(3rem, 8vw, 8rem); align-items: start; }
.request-layout > div > p:not(.section-label) { color: var(--muted); }
.request-privacy { padding-left: 1rem; border-left: 3px solid var(--brand); font-size: .88rem; }
.request-form { padding: clamp(1.5rem, 4vw, 2.5rem); background: var(--wash); border-top: .35rem solid var(--navy); box-shadow: var(--shadow); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form-grid label:not(.consent) { display: block; margin-bottom: .35rem; font-weight: 800; }
.form-grid label span { color: var(--muted); font-size: .76rem; font-weight: 500; }
.form-grid input:not([type="checkbox"]), .form-grid select, .form-grid textarea { width: 100%; padding: .78rem .85rem; color: var(--ink); background: #fff; border: 1px solid #afc0cc; border-radius: var(--radius-sm); font: inherit; }
.form-grid textarea { min-height: 8rem; resize: vertical; }
.form-grid input:focus-visible, .form-grid select:focus-visible, .form-grid textarea:focus-visible { outline: 3px solid #ffbf47; outline-offset: 1px; }
.document-uploads { margin: .25rem 0 0; padding: 1rem; border: 1px solid var(--line); }
.document-uploads legend { padding: 0 .35rem; }
.document-uploads > p { margin-top: 0; color: var(--muted); font-size: .84rem; }
.upload-grid { display: grid; gap: .75rem; }
.upload-grid label { padding: .8rem; background: #fff; border: 1px solid var(--line); border-radius: var(--radius-sm); }
.upload-grid label > span { display: block; margin-bottom: .45rem; color: var(--ink); font-size: .86rem; font-weight: 800; }
.upload-grid input[type="file"] { width: 100%; font-size: .82rem; }
.upload-grid input[type="file"]::file-selector-button { margin-right: .7rem; padding: .55rem .7rem; color: #fff; background: var(--brand-dark); border: 0; border-radius: .35rem; cursor: pointer; }
.form-wide { grid-column: 1 / -1; }
.application-field[hidden], .form-honeypot { display: none; }
.consent { display: flex; align-items: flex-start; gap: .65rem; font-weight: 600; }
.consent input { width: 1.1rem; height: 1.1rem; margin-top: .15rem; accent-color: var(--brand-dark); }
.request-form .button { width: 100%; margin-top: 1.25rem; }
.request-form button:disabled { opacity: .65; cursor: wait; }
.form-status { min-height: 1.5rem; margin-bottom: 0; font-weight: 700; }
.form-status.success { color: #166a43; }
.form-status.error { color: #9d2525; }

.documents-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: clamp(3rem, 8vw, 8rem); }
.documents-grid > div > p:not(.section-label) { color: var(--muted); }
.document-list { margin: 0; padding: 0; list-style: none; border-top: 1px solid var(--line); }
.document-list li { display: grid; grid-template-columns: 3rem 1fr; gap: 1rem; padding: 1rem 0; border-bottom: 1px solid var(--line); }
.document-list li > span { color: var(--brand-dark); font: 700 .78rem Manrope, sans-serif; }
.document-list strong, .document-list small { display: block; }
.document-list small { margin-top: .2rem; color: var(--muted); font-size: .88rem; }

.contact-section { padding-block: var(--space-8); color: #fff; background: var(--brand); }
.contact-layout { display: grid; grid-template-columns: .85fr 1.15fr; gap: clamp(3rem, 8vw, 8rem); }
.contact-section h2 { color: #fff; }
.contact-layout > div:first-child > p:last-child { color: #e3f3fe; }
.contact-details { display: grid; grid-template-columns: 1fr 1fr; border-top: 1px solid rgba(255,255,255,.5); }
.contact-details > div { padding: 1.1rem 1rem 1.1rem 0; border-bottom: 1px solid rgba(255,255,255,.5); }
.contact-details > div:nth-child(even) { padding-left: 1.2rem; border-left: 1px solid rgba(255,255,255,.5); }
.contact-details span, .contact-details a, .contact-details address, .contact-details p { display: block; }
.contact-details span { margin-bottom: .4rem; color: #d8effe; font-size: .72rem; text-transform: uppercase; letter-spacing: .07em; }
.contact-details a { font-weight: 700; text-decoration: none; }
.contact-details address, .contact-details p { margin: 0; font-style: normal; }
.contact-button { grid-column: 2; justify-self: start; }

footer { padding: var(--space-7) 0 var(--space-4); color: #bdd0dc; background: #04131f; }
.footer-main { display: grid; grid-template-columns: 1.6fr 1fr 1fr; gap: var(--space-6); }
.footer-brand { color: #fff; }
.footer-brand .brand-symbol { color: var(--brand); }
.footer-main h3 { color: #fff; font-size: .78rem; letter-spacing: .1em; text-transform: uppercase; }
.footer-main > div > a:not(.brand) { display: block; margin: .3rem 0; color: #bdd0dc; font-size: .88rem; }
.footer-bottom { display: flex; justify-content: space-between; gap: 1rem; margin-top: var(--space-6); padding-top: var(--space-3); border-top: 1px solid #294151; font-size: .75rem; }
.floating-contact { position: fixed; right: 1.2rem; bottom: 1.2rem; z-index: 20; display: flex; align-items: center; gap: .55rem; padding: .7rem 1rem; color: #fff; background: #087a47; border-radius: 2rem; box-shadow: 0 8px 22px rgba(4, 19, 31, .22); font-size: .83rem; font-weight: 800; text-decoration: none; }
.floating-contact svg { width: 1.25rem; }

.legal-page { background: var(--wash); }
.legal-shell { width: min(780px, calc(100% - 3rem)); margin: 0 auto; padding-block: var(--space-7); }
.legal-shell h1 { max-width: none; font-size: clamp(2.4rem, 5vw, 4rem); }
.legal-shell h2 { margin-top: var(--space-6); font-size: 1.45rem; letter-spacing: -.02em; }
.legal-shell p, .legal-shell li { color: #324c5e; }
.owner-todo { margin: var(--space-5) 0; padding: 1rem; color: #523b00; background: var(--warning); border-left: 4px solid #c49300; font-weight: 700; }
.back-link { display: inline-block; margin-bottom: var(--space-5); color: var(--brand-dark); font-weight: 800; }
.not-found { min-height: 70vh; display: grid; place-items: center; text-align: center; }
.not-found h1 { max-width: none; }

@media (max-width: 1024px) {
  nav { gap: 1rem; }
  .hero-grid { gap: 3rem; }
  .hero-brand-panel { padding-left: 2rem; }
  .calculator-results { grid-template-columns: 1fr 1fr; }
  .calculator-results.instalment-only { grid-template-columns: 1fr; }
  .calculator-results div:last-child { grid-column: 1 / -1; padding-left: 0; border-top: 1px solid var(--line); border-left: 0; }
}

@media (max-width: 820px) {
  .menu-toggle { display: block; }
  nav { position: fixed; inset: 7.25rem 0 0; display: none; align-items: stretch; padding: 2rem 1.5rem; background: #fff; font-size: 1.1rem; flex-direction: column; }
  .menu-open nav { display: flex; }
  .hero-grid, .split-heading, .application-grid, .calculator-layout, .request-layout, .documents-grid, .contact-layout { grid-template-columns: 1fr; }
  .hero-copy { padding-bottom: 0; }
  .hero-brand-panel { display: block; }
  .hero-photo-frame { max-width: 32rem; margin: 1rem auto 0; }
  .hero-photo { height: clamp(31rem, 95vw, 40rem); }
  .comparison { grid-template-columns: 1fr; }
  .option + .option { border-top: 1px solid var(--line); border-left: 0; }
  .returning-note { grid-template-columns: auto 1fr; }
  .returning-note a { grid-column: 2; }
  .contact-button { grid-column: 1; }
  .application-security { margin-right: 4rem; }
}

@media (max-width: 560px) {
  .container, .legal-shell { width: min(100% - 2rem, 1160px); }
  .utility-contacts a:last-child, .utility-contacts span { display: none; }
  .nav-wrap { min-height: 4.5rem; }
  nav { inset-block-start: 6.75rem; }
  .brand { font-size: .9rem; }
  .brand-logo { width: 3.1rem; height: 3.1rem; }
  .footer-logo { width: 4.25rem; height: 4.25rem; }
  .brand small { font-size: .52rem; }
  .section { padding-block: var(--space-7); }
  .hero-grid { padding-block: var(--space-7) 0; }
  h1 { font-size: clamp(2.35rem, 12vw, 3.4rem); }
  .product-facts { grid-template-columns: 1fr 1fr; }
  .product-facts div:last-child { grid-column: 1 / -1; }
  .hero-photo-frame { max-width: 24rem; }
  .hero-photo { height: 31rem; }
  .hero-assessment { right: .75rem; bottom: .75rem; left: 2rem; }
  .returning-note { grid-template-columns: 1fr; }
  .returning-note a { grid-column: 1; }
  .term-picker { grid-template-columns: 1fr; }
  .calculator-results { grid-template-columns: 1fr; }
  .calculator-results div + div, .calculator-results div:last-child { grid-column: auto; padding-left: 0; border-top: 1px solid var(--line); border-left: 0; }
  .calculator-results span { min-height: auto; }
  .form-grid { grid-template-columns: 1fr; }
  .form-wide { grid-column: auto; }
  .contact-details { grid-template-columns: 1fr; }
  .contact-details > div:nth-child(even) { padding-left: 0; border-left: 0; }
  .footer-main { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; }
  .floating-contact span { display: none; }
  .floating-contact { padding: .8rem; }
}

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