.hero-footnote {
    margin-top: 1rem;
    color: #293f51;
    font-size: 0.95rem;
    text-align: center;
}
/* Reset and Base Styles */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

:root {
    /* Mortgage Cloud - Strict Two-Color Palette */
    --primary-color: #5c6b7a;
    --primary-dark: #5c6b7a;
    --secondary-color: #455667;
    --accent-color: #132c4b;
    --success-color: #132c4b;
    --text-primary: #132c4b;
    --text-secondary: #132c4b;
    --text-light: #132c4b;
    --background-light: #ffffff;
    --background-white: #ffffff;
    --border-color: #132c4b;
    --shadow-light: 0 1px 3px 0 rgba(19, 44, 75, 0.1);
    --shadow-medium: 0 4px 6px -1px rgba(19, 44, 75, 0.1);
    --shadow-large: 0 10px 15px -3px rgba(19, 44, 75, 0.1);
    --border-radius: 8px;
    --border-radius-large: 12px;
    --transition: all 0.3s ease;
}

@font-face { 
    font-family: "OpenSans Light - Local"; 
    font-display: swap;  
    src: url("https://cdn.assuraprotect.com/wp-content/uploads/et-fonts/OpenSans-Light-1.ttf") format("truetype"); 
}

body {
    font-family: "OpenSans Light - Local", -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    font-weight: 300;
    line-height: 1.6;
    color: var(--text-primary);
    background-color: #ffffff;
    overflow-x: hidden;
}

/* Ensure all text elements use OpenSans Light */
* {
    font-family: "OpenSans Light - Local", -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

/* Typography */
h1, h2, h3, h4, h5, h6 {
    font-weight: 300;
    line-height: 1.3;
    margin-bottom: 1rem;
    color: #142e41;
}

h1 {
    font-size: 3rem;
}

h2 {
    font-size: 2.5rem;
}

h3 {
    font-size: 1.875rem;
}

p {
    margin-bottom: 1rem;
    color: #293f51;
}

/* Form Styles */
.form-container {
    background: white;
    padding: 2rem;
    border-radius: var(--border-radius-large);
    box-shadow: var(--shadow-medium);
    max-width: 500px;
    margin: 0 auto;
}

.policy-content {
    background: white;
    padding: 2.5rem;
    border-radius: var(--border-radius-large);
    box-shadow: var(--shadow-medium);
    max-width: 1000px;
    margin: 0 auto;
    line-height: 1.8;
}

.policy-content h3 {
    margin-top: 2rem;
    color: var(--text-primary);
}

.timeline-list {
    margin: 1.5rem 0 2.5rem;
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.timeline-item {
    display: grid;
    grid-template-columns: 200px 1fr;
    gap: 1.5rem;
    align-items: flex-start;
}

.timeline-label {
    font-weight: 600;
    color: var(--text-primary);
}

.timeline-description {
    color: var(--text-secondary);
}

@media (max-width: 768px) {
    .policy-content {
        padding: 1.5rem;
    }
    .timeline-item {
        grid-template-columns: 1fr;
        gap: 0.5rem;
    }
}

.form-group {
    margin-bottom: 1.5rem;
}

.form-group label {
    display: block;
    margin-bottom: 0.5rem;
    font-weight: 300;
    color: var(--text-primary);
    font-size: 0.95rem;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 12px 16px;
    border: 1px solid #e5e7eb;
    border-radius: var(--border-radius);
    font-size: 1rem;
    font-family: "OpenSans Light - Local", -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    background-color: white;
    transition: var(--transition);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--primary-color);
    box-shadow: 0 0 0 3px rgba(92, 107, 122, 0.1);
}

.form-group input::placeholder {
    color: #9ca3af;
    font-family: "OpenSans Light - Local", -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
}

/* Textarea defaults for consistent sizing */
.form-group textarea {
    min-height: 120px;
    resize: vertical;
}

/* Form Layout Improvements */
.calculator-form .form-container {
    margin-top: 2rem;
}

.calculator-form .form-container h3 {
    text-align: center;
    margin-bottom: 1.5rem;
    color: var(--text-primary);
}

.calculator-form .form-container p {
    text-align: center;
    margin-bottom: 1.5rem;
    color: var(--text-secondary);
}

/* Allow a field to span full width within a grid row */
.form-row .form-group.full-width {
    grid-column: 1 / -1;
}

/* Ensure consistent form field widths */
.form-group input[type="text"],
.form-group input[type="email"],
.form-group input[type="tel"],
.form-group input[type="number"],
.form-group select,
.form-group textarea {
    width: 100%;
    min-height: 44px;
    box-sizing: border-box;
}

/* Form button styling */
.form-container .btn {
    width: 100%;
    margin-top: 1rem;
}

.form-disclaimer {
    margin-top: 1rem;
    font-size: 0.9rem;
    line-height: 1.5;
    color: #64748b;
    text-align: left;
}

.form-disclaimer a {
    color: var(--primary-color);
    text-decoration: underline;
}

.tool-disclaimer {
    margin: 1.5rem auto 0;
    max-width: 900px;
    font-size: 0.95rem;
    line-height: 1.6;
    color: #64748b;
    text-align: center;
}

.tool-disclaimer a {
    color: var(--primary-color);
    text-decoration: underline;
}

/* Quick check and estimate styling */
.quick-check,
.timeline-check,
.cost-estimate,
.advantages-list,
.benefits-list,
.delay-prevention {
    margin: 1rem 0;
}

.check-item,
.timeline-item,
.estimate-item,
.advantage-item,
.benefit-item,
.prevention-item {
    display: flex;
    align-items: center;
    margin-bottom: 0.75rem;
    padding: 0.5rem 0;
}

.check-item i,
.timeline-item i,
.advantage-item i,
.benefit-item i,
.prevention-item i {
    color: var(--success-color);
    margin-right: 0.75rem;
    font-size: 1.1rem;
}

.estimate-item {
    justify-content: space-between;
    border-bottom: 1px solid #e5e7eb;
    padding: 0.75rem 0;
}

.estimate-item .service {
    font-weight: 300;
}

.estimate-item .price {
    font-weight: 400;
    color: var(--primary-color);
}

/* Comparison and factors styling */
.comparison-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
    margin: 1.5rem 0;
}

.comparison-item h4 {
    color: var(--text-primary);
    margin-bottom: 1rem;
}

.comparison-item ul {
    list-style: none;
    padding: 0;
}

.comparison-item li {
    padding: 0.5rem 0;
    border-bottom: 1px solid #f3f4f6;
}

.factors-list,
.cost-breakdown {
    margin: 1.5rem 0;
}

.factor-item,
.cost-category {
    margin-bottom: 1.5rem;
    padding: 1rem;
    background: #f9fafb;
    border-radius: var(--border-radius);
}

.factor-item h4,
.cost-category h4 {
    color: var(--text-primary);
    margin-bottom: 0.75rem;
}

.factor-item p,
.cost-category p {
    color: var(--text-secondary);
    margin-bottom: 0.5rem;
}

.cost-category ul {
    list-style: none;
    padding: 0;
}

.cost-category li {
    padding: 0.25rem 0;
    border-bottom: 1px solid #e5e7eb;
}

/* Buttons - Standardized sizing */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 12px 24px;
    border: none;
    border-radius: var(--border-radius);
    font-weight: 300;
    text-decoration: none;
    cursor: pointer;
    transition: var(--transition);
    font-size: 1rem;
    gap: 8px;
    min-height: 44px;
    font-family: "OpenSans Light - Local", -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
}

.btn-primary {
    background-color: var(--primary-color);
    color: white;
}

.btn-primary:hover {
    background-color: var(--primary-dark);
    transform: translateY(-2px);
    box-shadow: var(--shadow-medium);
}

.btn-secondary {
    background-color: transparent;
    color: var(--primary-color);
    border: 2px solid var(--primary-color);
}

.btn-secondary:hover {
    background-color: var(--primary-color);
    color: white;
}

.btn-outline {
    background-color: transparent;
    color: var(--text-primary);
    border: 1px solid var(--border-color);
}

.btn-outline:hover {
    background-color: var(--background-light);
    border-color: var(--primary-color);
    color: var(--primary-color);
}

.btn-large {
    padding: 16px 32px;
    font-size: 1.125rem;
    min-height: 56px;
}

.btn-small {
    padding: 14px 20px;
    font-size: 0.875rem;
    min-height: 36px;
    width: 100%;
}

/* New button structure styles to match the provided stack */
.button {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 16px 32px;
    border: none;
    border-radius: var(--border-radius);
    font-weight: 300;
    text-decoration: none;
    cursor: pointer;
    transition: var(--transition);
    font-size: 1.125rem;
    gap: 8px;
    min-height: 56px;
    font-family: "OpenSans Light - Local", -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
}

.button.is-large {
    padding: 16px 32px;
    font-size: 1.125rem;
    min-height: 56px;
}

.button.is-secondary {
    background-color: transparent;
    color: var(--primary-color);
    border: 2px solid var(--primary-color);
}

.button.is-secondary:hover {
    background-color: var(--primary-color);
    color: white;
}

.button:not(.is-secondary) {
    background-color: var(--primary-color);
    color: white;
}

.button:not(.is-secondary):hover {
    background-color: var(--primary-dark);
    transform: translateY(-2px);
    box-shadow: var(--shadow-medium);
}

/* Home hero specific styles */
.home-hero_tab-content {
    margin-top: 2rem;
}

.heading-style-h3 {
    font-size: 1.875rem;
    font-weight: 300;
    line-height: 1.3;
    margin-bottom: 1rem;
    color: #142e41;
}

.spacer-small {
    height: 1rem;
}

.home-hero_button-group {
    display: flex;
    gap: 1rem;
    flex-wrap: wrap;
    margin-top: 1.5rem;
}

.home-hero_button-group .button {
    flex: 1;
    min-width: 200px;
    text-align: center;
}

/* Responsive styles for home hero buttons */
@media (max-width: 768px) {
    .home-hero_button-group {
        flex-direction: column;
        gap: 0.75rem;
    }
    
    .home-hero_button-group .button {
        width: 100%;
        min-width: auto;
    }
}

/* Vertical Offerings Styles */
.vertical-offerings {
    display: flex;
    flex-direction: column;
    gap: 1rem;
    margin-top: 2rem;
}

.offering-card {
    display: flex;
    align-items: center;
    gap: 1rem;
    padding: 1.5rem;
    background-color: #f8f9fa;
    border-radius: var(--border-radius);
    border: 2px solid transparent;
    transition: var(--transition);
    cursor: pointer;
}

.offering-card:hover,
.offering-card.active {
    border-color: var(--primary-color);
    background-color: white;
    box-shadow: var(--shadow-medium);
}

.offering-icon {
    width: 60px;
    height: 60px;
    background: linear-gradient(135deg, var(--primary-color), var(--secondary-color));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.offering-icon i {
    font-size: 1.5rem;
    color: white;
}

.offering-card h3 {
    margin-bottom: 0.5rem;
    color: var(--text-primary);
    font-size: 1.25rem;
}

.offering-card p {
    margin: 0;
    color: var(--text-secondary);
    font-size: 0.9rem;
}

/* Tab Container Styles */
.tabs-container {
    background-color: #f8f9fa;
    border-radius: var(--border-radius-large);
    padding: 0;
    margin-top: 2rem;
    box-shadow: var(--shadow-light);
}

.tabs-header {
    display: flex;
    background-color: transparent;
    border-radius: var(--border-radius-large) var(--border-radius-large) 0 0;
    overflow: hidden;
    box-shadow: 0 2px 4px rgba(0,0,0,0.1);
}

.tab-button {
    flex: 1;
    padding: 1.25rem 1.5rem;
    border: none;
    background-color: var(--secondary-color);
    color: white;
    font-size: 1.1rem;
    font-weight: 500;
    cursor: pointer;
    transition: var(--transition);
    border-radius: 0;
    position: relative;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
}

.tab-button:first-child {
    border-radius: var(--border-radius-large) 0 0 0;
}

.tab-button:last-child {
    border-radius: 0 var(--border-radius-large) 0 0;
}

.tab-button.active {
    background-color: #f8f9fa;
    color: var(--text-primary);
    border-bottom: 4px solid var(--primary-color);
    transform: translateY(-2px);
    box-shadow: 0 4px 8px rgba(0,0,0,0.1);
}

.tab-button:hover:not(.active) {
    background-color: var(--accent-color);
    transform: translateY(-1px);
}

.tab-button i {
    font-size: 1.2rem;
}

.tab-content {
    display: none;
    padding: 2rem;
    background-color: #f8f9fa;
    border-radius: 0 0 var(--border-radius-large) var(--border-radius-large);
    min-height: 250px;
    animation: fadeIn 0.3s ease-in-out;
    position: relative;
    z-index: 1;
}

.tab-content.active {
    display: block;
}

@keyframes fadeIn {
    from {
        opacity: 0;
        transform: translateY(10px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

/* Cookie Banner Styles */
.cookie-banner {
    position: fixed;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    background-color: white;
    border-radius: 16px;
    box-shadow: 0 20px 60px rgba(19, 44, 75, 0.2);
    z-index: 10000;
    max-width: 900px;
    width: min(92%, 900px);
    max-height: 80vh;
    overflow-y: auto;
    padding: 1.25rem 1.5rem; /* inner padding for nicer spacing */
    border: 1px solid #e5e7eb; /* subtle border */
}

.cookie-banner-content {
    padding: 2rem;
}

/* Refined cookie banner typography and spacing */
.cookie-banner h4 {
    font-size: 1.25rem;
    font-weight: 300;
    color: #132c4b;
    margin: 0 0 0.5rem 0;
}

.cookie-banner p {
    font-size: 1rem;
    line-height: 1.6;
    color: #64748b;
    margin: 0;
}

.cookie-banner .cookie-actions {
    justify-content: center;
    gap: 1rem;
}

.cookie-banner .btn {
    border-radius: 12px;
    padding: 0.75rem 1.25rem;
}

.cookie-banner .btn-primary {
    background-color: var(--secondary-color);
}

.cookie-banner .btn-secondary {
    border-width: 2px;
}

.cookie-banner .cookie-details {
    border-top: 1px solid #e2e8f0 !important;
}

.cookie-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 1.5rem;
}

.cookie-title {
    font-size: 1.5rem;
    font-weight: 600;
    color: #2c3e50;
    margin: 0;
    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
}

.cookie-close {
    background: none;
    border: none;
    font-size: 1.5rem;
    color: #666;
    cursor: pointer;
    padding: 0;
    width: 24px;
    height: 24px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 4px;
    transition: background-color 0.2s;
}

.cookie-close:hover {
    background-color: #f5f5f5;
}

.cookie-body {
    margin-bottom: 2rem;
}

.cookie-description {
    font-size: 0.95rem;
    line-height: 1.6;
    color: #333;
    margin: 0 0 1rem 0;
    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
}

.cookie-links {
    display: flex;
    gap: 1rem;
    margin-top: 1rem;
}

.cookie-link {
    color: #007bff;
    text-decoration: underline;
    font-size: 0.9rem;
    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
}

.cookie-link:hover {
    color: #0056b3;
}

.cookie-actions {
    display: flex;
    gap: 1rem;
    justify-content: flex-start;
    flex-wrap: wrap;
}

.cookie-btn {
    padding: 0.75rem 1.5rem;
    border-radius: 6px;
    font-size: 0.9rem;
    font-weight: 500;
    cursor: pointer;
    transition: all 0.2s;
    border: 1px solid transparent;
    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    min-width: 100px;
}

.cookie-btn-accept {
    background-color: #007bff;
    color: white;
    border: none;
}

.cookie-btn-accept:hover {
    background-color: #0056b3;
}

.cookie-btn-deny {
    background-color: white;
    color: #333;
    border: 1px solid #ddd;
}

.cookie-btn-deny:hover {
    background-color: #f8f9fa;
    border-color: #ccc;
}

.cookie-btn-preferences {
    background-color: white;
    color: #333;
    border: 1px solid #ddd;
}

.cookie-btn-preferences:hover {
    background-color: #f8f9fa;
    border-color: #ccc;
}

/* Mobile responsiveness */
@media (max-width: 768px) {
    .cookie-banner {
        width: 95%;
        margin: 0;
    }
    
    .cookie-banner-content {
        padding: 1.5rem;
    }
    
    .cookie-actions {
        flex-direction: column;
        gap: 0.75rem;
    }
    
    .cookie-btn {
        width: 100%;
        text-align: center;
    }
}

/* Tab content specific styles */
.tab-content .heading-style-h3 {
    margin-bottom: 1.5rem;
    text-align: center;
}

.tab-content .home-hero_button-group {
    justify-content: center;
    max-width: 600px;
    margin: 0 auto;
}

/* Responsive styles for tabs */
@media (max-width: 768px) {
    .tabs-header {
        flex-direction: column;
    }
    
    .tab-button {
        border-radius: 0;
        border-bottom: 1px solid #e5e7eb;
    }
    
    .tab-button:first-child {
        border-radius: var(--border-radius-large) var(--border-radius-large) 0 0;
    }
    
    .tab-button:last-child {
        border-radius: 0;
        border-bottom: none;
    }
    
    .tab-content {
        padding: 1.5rem;
    }
    
    .tab-content .home-hero_button-group {
        flex-direction: column;
        gap: 0.75rem;
    }
    
    .tab-content .home-hero_button-group .button {
        width: 100%;
        min-width: auto;
    }
}

/* Header */
.header {
    background-color: var(--background-white);
    box-shadow: var(--shadow-light);
    position: sticky;
    top: 0;
    z-index: 1000;
}

.navbar {
    padding: 1rem 0;
}

.navbar .container {
    display: flex;
    align-items: center;
    justify-content: flex-start;
    gap: 1rem;
}

.nav-brand {
    display: flex;
    align-items: center;
    gap: 12px;
}

.nav-brand a {
    display: flex;
    align-items: center;
    text-decoration: none;
}

.logo {
    height: 80px;
    width: auto;
    transition: var(--transition);
}

.logo:hover {
    transform: scale(1.05);
}


.nav-menu {
    display: flex;
    list-style: none;
    gap: 2.5rem;
    align-items: center;
    margin-left: 1rem;
    flex: 1;
}

.nav-link {
    text-decoration: none;
    color: var(--text-primary);
    font-weight: 300;
    transition: var(--transition);
    display: flex;
    align-items: center;
    gap: 4px;
    position: relative;
}

.nav-link:hover,
.nav-link.active {
    color: var(--primary-color);
}

.dropdown {
    position: relative;
}

.dropdown-menu {
    position: absolute;
    top: 100%;
    left: 0;
    background-color: var(--background-white);
    box-shadow: var(--shadow-large);
    border-radius: var(--border-radius);
    padding: 1rem 0;
    min-width: 200px;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-10px);
    transition: var(--transition);
    list-style: none;
    max-width: 100vw;
    overflow-x: hidden;
}

.mega-menu {
    min-width: 600px;
    max-width: 85vw;
    width: 85vw;
    padding: 1.5rem;
    left: 50%;
    transform: translateX(-50%);
    box-sizing: border-box;
}

.mega-menu-content {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 2rem;
}

/* Responsive mega-menu */
@media (max-width: 1200px) {
    .mega-menu {
        min-width: auto;
        max-width: 95vw;
        width: 95vw;
    }
    
    .mega-menu-content {
        grid-template-columns: repeat(2, 1fr);
        gap: 1.5rem;
    }
}

@media (max-width: 768px) {
    .mega-menu {
        min-width: auto;
        max-width: 98vw;
        width: 98vw;
        padding: 1rem;
    }
    
    .mega-menu-content {
        grid-template-columns: 1fr;
        gap: 1rem;
    }
}

.mega-column h4 {
    color: var(--primary-color);
    margin-bottom: 1rem;
    font-size: 1rem;
    font-weight: 500;
}

.mega-column ul {
    list-style: none;
    padding: 0;
}

.mega-column ul li {
    margin-bottom: 0.5rem;
}

.mega-column ul li a {
    color: var(--text-primary);
    text-decoration: none;
    font-size: 0.9rem;
    transition: var(--transition);
}

.mega-column ul li a:hover {
    color: var(--primary-color);
}

.mega-column .btn {
    margin-top: 0.5rem;
    display: inline-block;
    background-color: transparent;
    color: var(--text-primary);
    border: 1px solid var(--border-color);
    padding: 6px 12px;
    font-size: 0.875rem;
    min-height: 32px;
    text-decoration: none;
    transition: var(--transition);
    font-family: "OpenSans Light - Local", -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
}

.mega-column .btn:hover {
    background-color: var(--primary-color);
    color: white;
    border-color: var(--primary-color);
}

.mega-column .btn.btn-primary {
    background-color: var(--primary-color);
    color: white;
    border-color: var(--primary-color);
}

.mega-column .btn.btn-primary:hover {
    background-color: var(--primary-dark);
}

.mega-column .btn.btn-secondary {
    background-color: transparent;
    color: var(--primary-color);
    border-color: var(--primary-color);
}

.mega-column .btn.btn-secondary:hover {
    background-color: var(--primary-color);
    color: white;
}

.dropdown:hover .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.dropdown:hover .nav-link::after {
    content: '';
    position: absolute;
    bottom: -1px;
    left: 0;
    right: 0;
    height: 3px;
    background-color: var(--primary-color);
    width: 100%;
}

.dropdown-menu li {
    padding: 0;
}

.dropdown-menu a {
    display: block;
    padding: 0.5rem 1rem;
    color: var(--text-primary);
    text-decoration: none;
    transition: var(--transition);
}

.dropdown-menu a:hover {
    background-color: var(--background-light);
    color: var(--primary-color);
}

.nav-actions {
    display: flex;
    gap: 1rem;
    align-items: center;
}

.mobile-menu-toggle {
    display: none;
    flex-direction: column;
    cursor: pointer;
    gap: 4px;
}

.mobile-menu-toggle span {
    width: 25px;
    height: 3px;
    background-color: var(--text-primary);
    transition: var(--transition);
}

/* Hero Section */
.hero {
    background: linear-gradient(135deg, var(--background-light) 0%, var(--background-white) 100%);
    padding: 2rem 0;
}

.about-story {
    padding: 4rem 0;
    background-color: var(--background-white);
    text-align: center;
}

.about-card {
    background: white;
    border-radius: var(--border-radius-large);
    box-shadow: var(--shadow-large);
    padding: 3rem;
    max-width: 900px;
    margin: 0 auto;
}

.story-eyebrow {
    text-transform: uppercase;
    letter-spacing: 0.25em;
    font-size: 0.8rem;
    color: var(--secondary-color);
    margin-bottom: 1rem;
    display: inline-block;
}

.about-card h2 {
    margin-bottom: 1.5rem;
}

.about-card p {
    margin-bottom: 1.25rem;
}

.about-list {
    list-style: none;
    padding: 0;
    margin: 2rem auto;
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 1rem;
}

.about-list li {
    background-color: var(--background-light);
    border-radius: var(--border-radius);
    padding: 1.25rem 1.5rem;
    box-shadow: var(--shadow-light);
}

.about-list h4 {
    margin-bottom: 0.25rem;
    color: var(--primary-color);
}

.about-list p {
    margin: 0;
    color: var(--text-secondary);
}

.story-actions {
    justify-content: center;
    margin-top: 2rem;
    gap: 1rem;
}

/* Buy to let page refinements */
body.buy-to-let-page section.tight-section {
    padding: 4rem 0;
}

body.buy-to-let-page .calculator-content {
    gap: 2rem;
}

body.buy-to-let-page .card-panel {
    background-color: #fff;
    border: 1px solid var(--border-color);
    border-radius: var(--border-radius-large);
    box-shadow: var(--shadow-light);
    padding: 2rem;
    height: 100%;
}

body.buy-to-let-page .card-panel .calculator-features {
    margin-top: 1rem;
}

body.buy-to-let-page .mini-calculator.card-panel {
    background-color: #fff;
}

body.buy-to-let-page .mini-calculator .btn {
    width: 100%;
    justify-content: center;
    margin-top: 1rem;
}

body.buy-to-let-page .full-width-divider {
    width: 100%;
    height: 1px;
    background-color: #e5e7eb;
}


/* External redirect modal */
body.modal-open {
    overflow: hidden;
}

.external-modal {
    position: fixed;
    inset: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    visibility: hidden;
    opacity: 0;
    transition: opacity 0.25s ease, visibility 0.25s ease;
    z-index: 2000;
}

.external-modal.is-visible {
    visibility: visible;
    opacity: 1;
}

.external-modal__overlay {
    position: absolute;
    inset: 0;
    background: rgba(19, 44, 75, 0.6);
    backdrop-filter: blur(2px);
}

.external-modal__content {
    position: relative;
    background: white;
    border-radius: var(--border-radius-large);
    box-shadow: 0 20px 60px rgba(19, 44, 75, 0.3);
    padding: 2.5rem;
    max-width: 520px;
    margin: 0 1rem;
    text-align: center;
    z-index: 1;
}

.external-modal__icon {
    width: 60px;
    height: 60px;
    background: rgba(255, 193, 7, 0.15);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #d48806;
    font-size: 1.5rem;
    margin: 0 auto 1.5rem;
}

.external-modal__content h3 {
    margin-bottom: 1rem;
    color: var(--text-primary);
}

.external-modal__content p {
    margin-bottom: 1.5rem;
    color: var(--text-secondary);
}

.external-modal__actions {
    display: flex;
    gap: 1rem;
    justify-content: center;
    flex-wrap: wrap;
}

.external-modal__actions .btn {
    min-width: 180px;
}

.external-modal__actions .btn-secondary {
    background-color: var(--primary-color);
    color: #fff;
    border-color: var(--primary-color);
}

.external-modal__actions .btn-secondary:hover {
    background-color: var(--primary-dark);
    color: #fff;
}

.page-hero {
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-dark) 100%);
    color: white;
    text-align: center;
    padding: 4rem 0;
}

.page-hero h1 {
    color: white;
    margin-bottom: 1rem;
}

.page-hero p {
    color: rgba(255, 255, 255, 0.9);
    font-size: 1.25rem;
    max-width: 600px;
    margin: 0 auto;
}

.hero-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
}

.hero-text h1 {
    color: var(--text-primary);
    margin-bottom: 1.5rem;
}

.hero-subtitle {
    font-size: 1.25rem;
    margin-bottom: 2rem;
    color: var(--text-secondary);
}

.hero-stats {
    display: flex;
    gap: 2rem;
    margin-bottom: 2rem;
}

.stat {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
}

.stat-number {
    font-size: 2rem;
    font-weight: 300;
    color: var(--primary-color);
}

.stat-label {
    font-size: 0.875rem;
    color: var(--text-light);
}

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

.hero-image {
    text-align: center;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.75rem;
}

.hero-img {
    max-width: 100%;
    height: auto;
    border-radius: var(--border-radius-large);
    box-shadow: var(--shadow-large);
}

.home-hero-visual {
    display: flex;
    justify-content: center;
.hero-footnote {
    margin-top: 1rem;
    text-align: left;
    font-size: 0.95rem;
    color: #293f51;
}
}

.hero-image-panel {
    max-width: 520px;
    width: 100%;
    border-radius: var(--border-radius-large);
    overflow: hidden;
    box-shadow: var(--shadow-large);
    background: #f8fafc;
}


.hero-image-panel img {
    width: 100%;
    display: block;
    border-radius: var(--border-radius-large);
    box-shadow: none;
    filter: saturate(0.92) brightness(0.98);
}

@media (max-width: 768px) {
    .hero-image-panel {
        max-width: 420px;
    }
}

/* Services Section */
.services {
    padding: 5rem 0;
    background-color: var(--background-white);
}

.section-header {
    text-align: center;
    margin-bottom: 4rem;
}

.section-header h2 {
    color: var(--text-primary);
    margin-bottom: 1rem;
}

.section-header p {
    font-size: 1.125rem;
    max-width: 600px;
    margin: 0 auto;
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
    gap: 2rem;
}

/* Ensure cards align and have consistent shadows */
.services-grid .service-card,
.features-grid .feature {
    background: var(--background-white);
    border: 1px solid var(--border-color);
    border-radius: var(--border-radius-large);
    box-shadow: var(--shadow-light);
    display: flex;
    flex-direction: column;
    height: 100%;
}

.services-grid .service-card h3,
.features-grid .feature h3 {
    min-height: 2.25rem;
    text-align: center;
}

.features-grid {
    align-items: stretch;
}

/* Reduce excessive vertical gaps between sections */
section + section {
    margin-top: 0;
}

.service-card {
    background-color: var(--background-white);
    padding: 2rem;
    border-radius: var(--border-radius-large);
    box-shadow: var(--shadow-light);
    border: 1px solid var(--border-color);
    transition: var(--transition);
    text-align: center;
}

.service-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-large);
}

.service-icon {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, var(--primary-color), var(--secondary-color));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.5rem;
}

.service-icon i {
    font-size: 2rem;
    color: white;
}

.service-card h3 {
    margin-bottom: 1rem;
    color: var(--text-primary);
}

.service-features {
    list-style: none;
    margin: 1.5rem 0;
    text-align: left;
}

.service-features li {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    margin-bottom: 0.5rem;
    color: var(--text-secondary);
}

.service-features i {
    color: var(--success-color);
    font-size: 0.875rem;
}

/* Why Choose Us Section */
.why-choose-us {
    padding: 5rem 0;
    background-color: var(--background-light);
}

.features-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 2rem;
}

.feature {
    text-align: center;
    padding: 1.5rem;
}

.feature-icon {
    width: 60px;
    height: 60px;
    background-color: var(--primary-color);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1rem;
}

.feature-icon i {
    font-size: 1.5rem;
    color: white;
}

.feature h3 {
    margin-bottom: 0.5rem;
    color: var(--text-primary);
}

/* Calculator Preview Section */
.calculator-preview {
    padding: 5rem 0;
    background-color: var(--background-white);
}

.pricing-highlights {
    background: #f8f9fa;
    border: 1px solid var(--border-color);
    border-radius: var(--border-radius-large);
    padding: 2rem;
    margin-bottom: 2.5rem;
    box-shadow: var(--shadow-light);
}

.pricing-intro {
    margin-bottom: 1rem;
    font-size: 1.05rem;
    color: #293f51;
}

.pricing-list {
    list-style: disc;
    margin-left: 1.5rem;
    margin-bottom: 1rem;
    color: #293f51;
}

.pricing-list li {
    margin-bottom: 0.35rem;
}

.pricing-footnote {
    font-size: 0.9rem;
    color: #64748b;
    margin: 0;
}

.pricing-card-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 1.5rem;
    margin-bottom: 3rem;
}

.pricing-card {
    background: var(--background-white);
    border: 1px solid var(--border-color);
    border-radius: var(--border-radius-large);
    padding: 2rem;
    text-align: center;
    box-shadow: var(--shadow-light);
    display: flex;
    flex-direction: column;
    gap: 1rem;
    height: 100%;
}

.pricing-card-icon {
    width: 64px;
    height: 64px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--primary-color), var(--secondary-color));
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto;
}

.pricing-card-icon i {
    color: #fff;
    font-size: 1.5rem;
}

.price-chip {
    display: inline-block;
    padding: 0.35rem 1.25rem;
    border-radius: 999px;
    background-color: rgba(92, 107, 122, 0.1);
    color: var(--primary-color);
    font-weight: 600;
    letter-spacing: 0.01em;
}

.calculator-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: stretch;
}

.calculator-text,
.calculator-form {
    height: 100%;
}

.calculator-text {
    display: flex;
    flex-direction: column;
    justify-content: flex-start;
    gap: 1.5rem;
    background: white;
    padding: 2rem;
    border-radius: var(--border-radius-large);
    box-shadow: var(--shadow-medium);
    border: 1px solid #e5e7eb;
    height: 100%;
}

.calculator-features {
    display: flex;
    flex-direction: column;
    gap: 1rem;
    margin: 2rem 0;
}

.calc-feature {
    display: flex;
    align-items: center;
    gap: 1rem;
}

.calc-feature i {
    color: var(--primary-color);
    font-size: 1.25rem;
}

.mini-calculator {
    background-color: white;
    padding: 2rem;
    border-radius: var(--border-radius-large);
    box-shadow: var(--shadow-medium);
    border: 1px solid #e5e7eb;
    height: 100%;
    display: flex;
    flex-direction: column;
    justify-content: flex-start;
}

.calculator-form .form-container {
    height: 100%;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    max-width: 100%;
    width: 100%;
    margin: 0;
}

.mini-calculator h3 {
    text-align: center;
    margin-bottom: 1.5rem;
    color: var(--text-primary);
}

.calculator-disclaimer {
    margin-top: 1rem;
    font-size: 0.85rem;
    line-height: 1.6;
    color: #64748b;
}

.calc-input {
    margin-bottom: 1rem;
}

.calc-input label {
    display: block;
    margin-bottom: 0.5rem;
    font-weight: 500;
    color: var(--text-primary);
}

.calc-input input {
    width: 100%;
    padding: 0.75rem;
    border: 1px solid var(--border-color);
    border-radius: var(--border-radius);
    font-size: 1rem;
}

.calc-result {
    margin-top: 1rem;
    padding: 1rem;
    background-color: var(--background-white);
    border-radius: var(--border-radius);
    text-align: center;
    font-weight: 300;
    color: var(--primary-color);
}

/* Testimonials Section */
.testimonials {
    padding: 5rem 0;
    background-color: var(--background-light);
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
    gap: 2rem;
}

.testimonial {
    background-color: var(--background-white);
    padding: 2rem;
    border-radius: var(--border-radius-large);
    box-shadow: var(--shadow-light);
}

.testimonial-content {
    margin-bottom: 1.5rem;
}

.stars {
    display: flex;
    gap: 0.25rem;
    margin-bottom: 1rem;
}

.stars i {
    color: var(--accent-color);
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 1rem;
}

.testimonial-author img {
    width: 50px;
    height: 50px;
    border-radius: 50%;
    object-fit: cover;
}

.author-info h4 {
    margin-bottom: 0.25rem;
    color: var(--text-primary);
}

.author-info span {
    color: var(--text-light);
    font-size: 0.875rem;
}

/* CTA Section */
.cta {
    padding: 5rem 0;
    background: linear-gradient(135deg, var(--primary-color), var(--primary-dark));
    color: white;
    text-align: center;
}

.cta-content h2 {
    color: white;
    margin-bottom: 1rem;
}

.cta-content p {
    font-size: 1.125rem;
    margin-bottom: 2rem;
    color: rgba(255, 255, 255, 0.9);
}

.cta-actions {
    display: flex;
    gap: 1rem;
    justify-content: center;
    flex-wrap: wrap;
    margin-bottom: 2rem;
}

.cta-actions .btn-primary {
    background-color: white;
    color: var(--primary-color);
}

.cta-actions .btn-primary:hover {
    background-color: var(--background-light);
}

.cta-actions .btn-secondary {
    border-color: white;
    color: white;
}

.cta-actions .btn-secondary:hover {
    background-color: white;
    color: var(--primary-color);
}

.cta-info {
    display: flex;
    justify-content: center;
    gap: 2rem;
    flex-wrap: wrap;
}

.info-item {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    color: rgba(255, 255, 255, 0.9);
}

/* Footer */
.footer {
    background-color: var(--text-primary);
    color: white;
    padding: 3rem 0 1rem;
}

.footer-content {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 2rem;
    margin-bottom: 2rem;
}

.footer-brand {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 1rem;
}

.footer-logo {
    height: 50px;
    width: auto;
}

.footer-section h3 {
    margin-bottom: 1rem;
    color: white;
}

.footer-section ul {
    list-style: none;
}

.footer-section ul li {
    margin-bottom: 0.5rem;
}

.footer-section a {
    color: rgba(255, 255, 255, 0.8);
    text-decoration: none;
    transition: var(--transition);
}

.footer-section a:hover {
    color: white;
}

.social-links {
    display: flex;
    gap: 1rem;
    margin-top: 1rem;
}

.social-links a {
    width: 40px;
    height: 40px;
    background-color: rgba(255, 255, 255, 0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
}

.social-links a:hover {
    background-color: var(--primary-color);
}

.contact-info {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.contact-item {
    display: flex;
    align-items: center;
    gap: 0.75rem;
}

.contact-item i {
    color: var(--primary-color);
    width: 20px;
}

.site-footer {
    background-color: #ffffff;
    color: #293f51;
    padding: 3rem 0;
    text-align: left;
}

.footer-divider {
    width: 100%;
    height: 1px;
    background-color: #e5e7eb;
    margin: 0 auto 2rem auto;
}

.site-footer .footer-disclaimer {
    max-width: 900px;
    margin: 0 auto;
    line-height: 1.8;
}

.site-footer .footer-disclaimer h3 {
    margin-bottom: 1rem;
    font-size: 1.25rem;
    color: #142e41;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.site-footer .footer-disclaimer p {
    margin-bottom: 1rem;
    font-size: 1rem;
}

.footer-links {
    margin-top: 1.5rem;
    display: flex;
    gap: 1.5rem;
    flex-wrap: wrap;
}

.footer-links a {
    color: #293f51;
    text-decoration: none;
}

.footer-links a:hover {
    text-decoration: underline;
}

.footer-copy {
    margin-top: 1rem;
    color: #64748b;
    font-size: 0.95rem;
}

.site-footer .footer-disclaimer p:last-child {
    margin-bottom: 0;
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding-top: 2rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 1rem;
}

.legal-links {
    display: flex;
    gap: 1rem;
}

.regulatory-info {
    flex-basis: 100%;
    margin-top: 1rem;
}

/* Responsive Design */
@media (max-width: 768px) {
    .container {
        padding: 0 15px;
    }
    
    h1 {
        font-size: 2.5rem;
    }
    
    h2 {
        font-size: 2rem;
    }
    
    .nav-menu {
        display: none;
    }
    
    .mobile-menu-toggle {
        display: flex;
    }
    
    .hero-content {
        grid-template-columns: 1fr;
        gap: 2rem;
        text-align: center;
    }
    
    .hero-stats {
        justify-content: center;
    }
    
    .calculator-content {
        grid-template-columns: 1fr;
        gap: 2rem;
    }
    
    .services-grid {
        grid-template-columns: 1fr;
    }
    
    .features-grid {
        grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    }
    
    .testimonials-grid {
        grid-template-columns: 1fr;
    }
    
    .cta-actions {
        flex-direction: column;
        align-items: center;
    }
    
    .cta-info {
        flex-direction: column;
        gap: 1rem;
    }
    
    .footer-bottom {
        flex-direction: column;
        text-align: center;
    }
}

@media (max-width: 480px) {
    .hero-actions {
        flex-direction: column;
        width: 100%;
    }
    
    .hero-actions .btn {
        width: 100%;
        justify-content: center;
    }
    
    .stat {
        flex: 1;
    }
    
    .stat-number {
        font-size: 1.5rem;
    }
}