/*
 * Stirling Partners Finance - site styles (2026 redesign).
 * Source design: handovers/stirlingpartners-redesign (desktop 1440px,
 * mobile 390px). Tokens below are the design's; everything else builds on them.
 */
:root {
  --ink: #1b2536;
  --body: #4a5263;
  --muted: #5f6675;
  --purple: #827799;
  --purple-dark: #5e5578;
  --blue: #4e7aa1;
  --blue-dark: #3f6689;
  --teal: #2e8ca6;
  --action: #1f6f86;
  --action-hover: #15526a;
  --lilac: #f6f5f9;
  --teal-ground: #eef5f8;
  --footer: #141c2a;
  --navy-card: #26334b;
  --on-dark: #d5dae4;
  --on-dark-muted: #c3cad6;
  --ice: #9fd3e3;
  --line: #e6e4ec;
  --line-soft: #e0dde8;
  --field: #cfcad9;
  --outline: #c9c4d6;
  --serif: "Source Serif 4", Georgia, serif;
  --sans: Figtree, "Segoe UI", system-ui, sans-serif;
  --gutter: 80px;
  --radius-card: 20px;
  --radius-panel: 28px;
}
@media (max-width: 1199px) { :root { --gutter: 40px; } }
@media (max-width: 759px) { :root { --gutter: 24px; } }

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: #fff; color: var(--ink); font-family: var(--sans); font-size: 16px; line-height: 1.5; -webkit-text-size-adjust: 100%; }
img { max-width: 100%; }
a { color: var(--action); }
a:hover { color: var(--action-hover); }
input, select, textarea, button { font-family: inherit; }
:focus-visible { outline: 3px solid var(--teal); outline-offset: 2px; }
[hidden] { display: none !important; }
.visually-hidden { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip-link { position: absolute; left: 12px; top: -60px; z-index: 100; padding: 10px 16px; background: var(--ink); color: #fff; border-radius: 8px; }
.skip-link:focus { top: 12px; color: #fff; }

.wrap { width: 100%; max-width: calc(1280px + 2 * var(--gutter)); margin: 0 auto; padding-left: var(--gutter); padding-right: var(--gutter); }

/* ---------- brand stripe (signature detail) */
.stripe { display: flex; height: 6px; }
.stripe span { flex: 1; }
.stripe span:nth-child(1) { background: var(--purple); }
.stripe span:nth-child(2) { background: var(--blue); }
.stripe span:nth-child(3) { background: var(--teal); }

/* ---------- utility bar */
.utility { background: var(--lilac); font-size: 13px; color: var(--body); }
.utility .wrap { display: flex; justify-content: space-between; align-items: center; min-height: 40px; gap: 24px; }
.utility-trust, .utility-links { display: flex; gap: 28px; align-items: center; }
.utility-links { gap: 24px; }
.utility-trust span { display: inline-flex; gap: 8px; align-items: center; }
.utility-trust svg { color: var(--action); flex-shrink: 0; }
.utility a { color: var(--body); text-decoration: none; }
.utility a:hover { color: var(--ink); text-decoration: underline; }
@media (max-width: 1199px) { .utility-trust span:nth-child(3), .utility-links a[href^="mailto:"] { display: none; } }
@media (max-width: 759px) { .utility { display: none; } }

/* ---------- header */
.site-header { position: relative; border-bottom: 1px solid var(--line); background: #fff; }
.site-header .wrap { display: flex; justify-content: space-between; align-items: center; height: 144px; gap: 24px; }
.brand { display: flex; flex-shrink: 0; }
.brand img { height: 120px; width: auto; display: block; }
.main-nav { display: flex; gap: 30px; align-items: center; font-size: 15px; font-weight: 500; }
.main-nav a { color: var(--ink); text-decoration: none; padding: 10px 0; }
.main-nav a:hover, .main-nav a[aria-current="page"] { color: var(--action); }
.main-nav .nav-portal { display: none; }
.header-actions { display: flex; gap: 20px; align-items: center; }
.header-call { display: flex; flex-direction: column; text-align: right; text-decoration: none; }
.header-call span:first-child { font-size: 12px; color: var(--muted); }
.header-call span:last-child { font-size: 18px; font-weight: 700; color: var(--ink); }
.icon-btn { display: none; justify-content: center; align-items: center; width: 48px; height: 48px; border-radius: 999px; flex-shrink: 0; cursor: pointer; }
.icon-btn-call { background: var(--action); color: #fff; }
.icon-btn-call:hover { color: #fff; background: var(--action-hover); }
.icon-btn-menu { border: 1.5px solid var(--outline); background: #fff; color: var(--ink); padding: 0; }
.menu-close { display: none; }
.nav-open .menu-open { display: none; }
.nav-open .menu-close { display: block; }

@media (max-width: 1199px) {
  .main-nav { display: none; }
  .icon-btn-menu { display: flex; }
  .nav-open .main-nav {
    display: flex; flex-direction: column; align-items: stretch; gap: 0;
    position: absolute; left: 0; right: 0; top: 100%; z-index: 40;
    padding: 8px var(--gutter) 20px; background: #fff; border-bottom: 1px solid var(--line);
    box-shadow: 0 18px 40px rgba(27, 37, 54, 0.12); font-size: 17px;
  }
  .nav-open .main-nav a { padding: 12px 0; border-bottom: 1px solid var(--line); min-height: 48px; }
  .nav-open .main-nav a:last-child { border-bottom: 0; }
  .nav-open .main-nav .nav-portal { display: block; color: var(--action); font-weight: 600; }
}
@media (max-width: 759px) {
  .site-header .wrap { height: 104px; padding-left: 20px; padding-right: 16px; }
  .brand img { height: 87px; }
  .header-actions { gap: 8px; }
  .header-call, .header-actions .btn { display: none; }
  .icon-btn-call { display: flex; }
}

/* ---------- buttons */
.btn { display: inline-flex; justify-content: center; align-items: center; min-height: 48px; padding: 0 22px; border-radius: 999px; font-weight: 600; font-size: 15px; text-decoration: none; border: 0; cursor: pointer; line-height: 1.2; text-align: center; }
.btn-lg { min-height: 56px; padding: 0 30px; font-size: 17px; }
.btn-md { min-height: 52px; padding: 0 26px; font-size: 16px; }
.btn-primary { background: var(--action); color: #fff; }
.btn-primary:hover { background: var(--action-hover); color: #fff; }
.btn-outline { border: 1.5px solid var(--outline); color: var(--ink); background: #fff; }
.btn-outline:hover { border-color: var(--ink); color: var(--ink); }
.btn-ink { background: var(--ink); color: #fff; }
.btn-ink:hover { background: #0f1724; color: #fff; }
.btn-white { background: #fff; color: var(--ink); font-weight: 700; }
.btn-white:hover { background: #eef1f5; color: var(--ink); }
.btn-ghost-dark { border: 1.5px solid #56637a; color: #fff; background: transparent; }
.btn-ghost-dark:hover { border-color: #fff; color: #fff; }
.btn:disabled { opacity: 0.6; cursor: default; }
.btn-row { display: flex; gap: 14px; align-items: center; flex-wrap: wrap; }
@media (max-width: 759px) {
  .btn-row { flex-direction: column; align-items: stretch; gap: 12px; }
  .btn-row .btn, .btn-block-mobile { width: 100%; min-height: 52px; font-size: 16px; padding: 0 20px; }
}

/* ---------- section scaffolding */
.section { padding: 100px 0; }
.section-lilac { background: var(--lilac); }
.section-teal { background: var(--teal-ground); }
.section-dark { background: var(--ink); color: #fff; }
.eyebrow { font-size: 13px; font-weight: 600; letter-spacing: 0.22em; text-transform: uppercase; color: var(--purple-dark); margin: 0; }
.eyebrow-action { color: var(--action); }
.eyebrow-ice { color: var(--ice); }
.eyebrow-light { color: #e3f3f8; }
.h2 { margin: 0; font-family: var(--serif); font-weight: 500; font-size: 42px; line-height: 1.15; }
.section-dark .h2 { color: #fff; }
.lead { margin: 0; font-size: 18px; line-height: 1.6; color: var(--body); }
.section-head { display: flex; flex-direction: column; gap: 14px; max-width: 760px; }
@media (max-width: 1199px) { .section { padding: 72px 0; } .h2 { font-size: 36px; } }
@media (max-width: 759px) {
  .section { padding: 52px 0; }
  .eyebrow { font-size: 12px; letter-spacing: 0.2em; }
  .h2 { font-size: 32px; }
  .lead { font-size: 16px; }
  .section-head { gap: 12px; }
}

/* ---------- forms */
.field { display: flex; flex-direction: column; gap: 8px; font-size: 14px; font-weight: 600; color: var(--ink); }
.field input, .field select, .field textarea { width: 100%; height: 50px; border: 1px solid var(--field); border-radius: 12px; padding: 0 14px; font-size: 16px; background: #fff; color: var(--ink); font-weight: 400; }
.field textarea { height: auto; padding: 14px; resize: vertical; min-height: 120px; line-height: 1.5; }
.field input:focus, .field select:focus, .field textarea:focus { outline: 2px solid var(--action); outline-offset: 0; border-color: var(--action); }
.form-status { margin: 0; font-size: 14px; line-height: 1.5; }
.form-status[hidden] { display: none; }
.form-status.ok { color: #1a7a3d; }
.form-status.error { color: #b3261e; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

/* ---------- footer */
.site-footer { background: var(--footer); color: var(--on-dark-muted); padding: 72px 0 56px; }
.site-footer .wrap { display: flex; flex-direction: column; gap: 48px; }
.footer-top { display: flex; justify-content: space-between; gap: 48px; }
.footer-brand { display: flex; flex-direction: column; gap: 18px; width: 360px; }
.footer-logo { display: flex; align-self: flex-start; padding: 12px 14px; background: #fff; border-radius: 12px; }
.footer-logo img { height: 72px; width: auto; display: block; }
.footer-brand p { margin: 0; font-size: 15px; line-height: 1.6; }
.footer-nav { display: flex; flex-direction: column; gap: 12px; font-size: 15px; }
.footer-heading { font-size: 13px; font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; color: #fff; margin: 0; }
.footer-nav a { color: var(--on-dark-muted); text-decoration: none; }
.footer-nav a:hover { color: #fff; text-decoration: underline; }
.footer-nav .footer-sub { padding-left: 14px; position: relative; font-size: 14px; }
.footer-nav .footer-sub::before { content: ""; position: absolute; left: 0; top: 50%; width: 7px; border-top: 1px solid #56637a; }
.footer-office { display: flex; flex-direction: column; gap: 12px; font-size: 15px; width: 300px; }
.footer-office address { font-style: normal; line-height: 1.6; }
.footer-phone { color: #fff; font-weight: 700; text-decoration: none; font-size: 18px; }
.footer-phone:hover { color: #fff; text-decoration: underline; }
.footer-nacfb { display: flex; align-self: flex-start; padding: 8px 10px; background: #fff; border-radius: 8px; margin-top: 6px; }
.footer-nacfb img { width: 130px; height: auto; display: block; }
.risk-warning { margin: 0; padding: 20px 24px; border-radius: 12px; border: 1px solid #56637a; font-size: 15px; font-weight: 700; color: #fff; }
.footer-legal { display: flex; flex-direction: column; gap: 10px; font-size: 13px; line-height: 1.65; color: #aab2c0; padding-top: 8px; border-top: 1px solid #2b3446; }
.footer-legal p { margin: 0; }
.footer-legal p:first-child { margin-top: 16px; }
.footer-legal p:last-child { margin-top: 8px; }
@media (max-width: 1199px) {
  .footer-top { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 40px 32px; }
  .footer-brand, .footer-office { width: auto; }
}
@media (max-width: 759px) {
  .site-footer { padding: 44px 0 40px; }
  .site-footer .wrap { gap: 32px; }
  .footer-top { gap: 32px 24px; }
  .footer-brand, .footer-office { grid-column: span 2; }
  .footer-logo { padding: 10px 12px; }
  .footer-logo img { height: 64px; }
  .footer-nav { gap: 0; }
  .footer-heading { font-size: 12px; }
  .footer-nav .footer-heading { padding-bottom: 8px; }
  .footer-nav a { padding: 6px 0; }
  .footer-nacfb img { width: 120px; }
  .risk-warning { padding: 16px 18px; line-height: 1.45; }
  .footer-legal p:first-child { margin-top: 8px; }
}

/* ===================================================== homepage */
/* hero */
.hero { padding: 72px 0 88px; }
.hero .wrap { display: flex; gap: 64px; align-items: center; }
.hero-copy { width: 610px; flex-shrink: 0; display: flex; flex-direction: column; gap: 28px; }
.hero h1 { margin: 0; font-family: var(--serif); font-weight: 500; font-size: 60px; line-height: 1.06; letter-spacing: -0.015em; }
.hero-intro { margin: 0; font-size: 20px; line-height: 1.6; color: var(--body); }
.hero-intro strong { color: var(--ink); }
.hero-facts { display: flex; gap: 32px; padding-top: 24px; border-top: 1px solid var(--line); }
.fact { display: flex; flex-direction: column; gap: 4px; }
.fact-value { font-family: var(--serif); font-size: 28px; font-weight: 500; color: var(--ink); }
.fact-label { font-size: 14px; color: var(--muted); }
.fact-nacfb { gap: 6px; justify-content: center; }
.fact-nacfb img { width: 120px; height: auto; display: block; }
.fact-nacfb .fact-regulated { display: none; }
.hero-visual { position: relative; flex-grow: 1; min-height: 600px; }
.hero-img { position: absolute; right: 0; top: 0; width: min(606px, 100%); height: 520px; object-fit: cover; object-position: 70% 50%; border-radius: var(--radius-panel); display: block; }
.callback-card { position: absolute; left: 0; bottom: 0; width: 340px; padding: 26px; background: #fff; border-radius: var(--radius-card); box-shadow: 0 24px 60px rgba(27, 37, 54, 0.16); display: flex; flex-direction: column; gap: 14px; }
.callback-title { margin: 0; font-family: var(--serif); font-size: 22px; font-weight: 500; color: var(--ink); }
.callback-card .field { font-size: 13px; gap: 6px; color: var(--body); }
.callback-card .field input, .callback-card .field select { height: 46px; border-radius: 10px; padding: 0 12px; font-size: 15px; }
.callback-card .btn { min-height: 48px; }

@media (max-width: 1199px) {
  .hero { padding: 56px 0 72px; }
  .hero .wrap { flex-direction: column; align-items: stretch; gap: 48px; }
  .hero-copy { width: auto; max-width: 720px; }
  .hero h1 { font-size: 52px; }
  .hero-visual { min-height: 0; display: flex; flex-direction: column; }
  .hero-img { position: static; width: 100%; height: 360px; }
  .callback-card { position: relative; width: auto; max-width: 480px; margin: -80px 32px 0; }
}
@media (max-width: 759px) {
  .hero { padding: 36px 0 48px; }
  .hero .wrap { gap: 22px; }
  .hero-copy { gap: 22px; }
  .hero h1 { font-size: 38px; line-height: 1.08; letter-spacing: -0.01em; }
  .hero-intro { font-size: 17px; }
  .hero-facts { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px 16px; padding-top: 20px; }
  .fact-value { font-size: 22px; }
  .fact-label { font-size: 13px; }
  .fact-nacfb { grid-column: span 2; flex-direction: row; gap: 14px; align-items: center; justify-content: flex-start; }
  .fact-nacfb img { width: 104px; flex-shrink: 0; }
  .fact-nacfb .fact-label { line-height: 1.45; }
  .fact-nacfb .fact-regulated { display: inline; }
  .hero-visual { margin-top: 8px; }
  .hero-img { height: 240px; object-position: 72% 50%; border-radius: 22px; }
  .callback-card { margin: -48px 14px 0; padding: 22px; border-radius: 18px; box-shadow: 0 18px 44px rgba(27, 37, 54, 0.16); }
  .callback-card .field { font-size: 13px; gap: 8px; color: var(--ink); }
  .callback-card .field input, .callback-card .field select { height: 48px; border-radius: 12px; padding: 0 14px; font-size: 16px; }
  .callback-title { font-size: 21px; }
  .callback-card .btn { min-height: 50px; font-size: 16px; }
}

/* who we work with */
.who .wrap { display: flex; flex-direction: column; gap: 44px; }
.who-head { display: flex; justify-content: space-between; align-items: flex-end; gap: 48px; }
.who-head p { margin: 0; max-width: 400px; font-size: 17px; line-height: 1.6; color: var(--body); }
.audience-grid { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 20px; }
.audience-card { background: #fff; border-radius: var(--radius-card); overflow: hidden; display: flex; flex-direction: column; }
.audience-card::before { content: ""; height: 6px; background: var(--purple); }
.audience-card.tone-blue::before { background: var(--blue); }
.audience-card.tone-teal::before { background: var(--teal); }
.audience-body { padding: 28px 26px; display: flex; flex-direction: column; gap: 14px; flex-grow: 1; }
.audience-title { display: flex; flex-direction: column; gap: 14px; }
.audience-card h3 { margin: 0; font-size: 20px; font-weight: 700; }
.audience-card p { margin: 0; font-size: 15px; line-height: 1.6; color: var(--body); flex-grow: 1; }
.card-link { font-weight: 600; font-size: 15px; text-decoration: none; color: var(--action); }
.card-link:hover { text-decoration: underline; }
.ico { flex-shrink: 0; }
.ico-purple { color: var(--purple-dark); }
.ico-blue { color: var(--blue-dark); }
.ico-teal { color: var(--action); }
@media (max-width: 1199px) {
  .who-head { flex-direction: column; align-items: flex-start; gap: 16px; }
}
@media (max-width: 759px) {
  .who .wrap { gap: 28px; }
  .who-head { gap: 12px; }
  .who-head p { font-size: 16px; }
  .audience-grid { grid-template-columns: minmax(0, 1fr); gap: 14px; }
  .audience-card { border-radius: 18px; }
  .audience-card::before { height: 5px; }
  .audience-body { padding: 22px; gap: 10px; }
  .audience-title { flex-direction: row; align-items: center; gap: 12px; }
  .audience-card h3 { font-size: 19px; }
  .card-link { padding: 4px 0; }
}

/* services */
.services .wrap { display: flex; flex-direction: column; gap: 48px; }
.service-grid { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 20px; }
.service-card { display: flex; flex-direction: column; gap: 14px; padding: 30px 26px; border-radius: var(--radius-card); background: var(--ink); color: #fff; text-decoration: none; transition: transform 0.15s ease, box-shadow 0.15s ease; }
.service-card:hover { color: #fff; transform: translateY(-3px); box-shadow: 0 18px 40px rgba(27, 37, 54, 0.22); }
.service-title { display: flex; flex-direction: column; gap: 14px; }
.service-card svg { color: var(--ice); }
.service-card h3 { margin: 0; font-family: var(--serif); font-size: 26px; font-weight: 500; line-height: 1.15; color: #fff; }
.service-card p { margin: 0; font-size: 15px; line-height: 1.6; color: var(--on-dark); flex-grow: 1; }
.service-more { font-weight: 600; font-size: 15px; color: #fff; }
@media (max-width: 1199px) and (min-width: 760px) {
  /* five cards on a tablet: three, then two wider ones */
  .service-grid, .audience-grid { grid-template-columns: repeat(6, minmax(0, 1fr)); }
  .service-grid > *, .audience-grid > * { grid-column: span 2; }
  .service-grid > :nth-child(n+4), .audience-grid > :nth-child(n+4) { grid-column: span 3; }
}
@media (max-width: 759px) {
  .services .wrap { gap: 28px; }
  .service-grid { grid-template-columns: minmax(0, 1fr); gap: 14px; }
  .service-card { padding: 24px; border-radius: 18px; gap: 10px; }
  .service-title { flex-direction: row; align-items: center; gap: 12px; }
  .service-card h3 { font-size: 23px; }
}
@media (prefers-reduced-motion: reduce) { .service-card, html { transition: none; scroll-behavior: auto; } .service-card:hover { transform: none; } }

/* complex cases + process */
.complex .wrap { display: flex; flex-direction: column; gap: 72px; }
.complex-top { display: flex; gap: 80px; }
.complex-copy { width: 560px; flex-shrink: 0; display: flex; flex-direction: column; gap: 20px; }
.complex-copy p { margin: 0; font-size: 18px; line-height: 1.65; color: var(--body); }
.complex-copy .btn { align-self: flex-start; margin-top: 8px; }
.cases-panel { flex-grow: 1; background: #fff; border-radius: 24px; padding: 40px; display: flex; flex-direction: column; gap: 22px; }
.cases-panel h3 { margin: 0; font-size: 20px; font-weight: 700; }
.check-list { margin: 0; padding: 0; list-style: none; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px 28px; font-size: 16px; line-height: 1.45; }
.check-list li { display: flex; gap: 12px; }
.check-list svg { color: var(--action); flex-shrink: 0; margin-top: 1px; }
.process { display: flex; flex-direction: column; gap: 32px; }
.process h3 { margin: 0; font-family: var(--serif); font-weight: 500; font-size: 32px; }
.steps { margin: 0; padding: 0; list-style: none; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 24px; }
.step { display: flex; flex-direction: column; gap: 12px; padding-top: 22px; border-top: 2px solid var(--purple); }
.step-num { font-family: var(--serif); font-size: 40px; color: var(--purple-dark); line-height: 1; }
.step:nth-child(2) { border-color: var(--blue); } .step:nth-child(2) .step-num { color: var(--blue-dark); }
.step:nth-child(3) { border-color: var(--teal); } .step:nth-child(3) .step-num { color: var(--action); }
.step:nth-child(4) { border-color: var(--ink); } .step:nth-child(4) .step-num { color: var(--ink); }
.step-text { display: flex; flex-direction: column; gap: 12px; }
.step-title { font-size: 19px; font-weight: 700; }
.step-desc { font-size: 15px; line-height: 1.6; color: var(--body); }
@media (max-width: 1199px) {
  .complex-top { flex-direction: column; gap: 40px; }
  .complex-copy { width: auto; max-width: 720px; }
  .steps { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 28px 24px; }
}
@media (max-width: 759px) {
  .complex .wrap { gap: 28px; }
  .complex-top { gap: 28px; }
  .complex-copy { gap: 14px; }
  .complex-copy p { font-size: 16px; line-height: 1.6; }
  .complex-copy .btn { align-self: stretch; margin-top: 4px; }
  .cases-panel { border-radius: var(--radius-card); padding: 24px; gap: 18px; }
  .cases-panel h3 { font-size: 18px; }
  .check-list { grid-template-columns: minmax(0, 1fr); gap: 14px; font-size: 15px; }
  .process { gap: 20px; }
  .process h3 { font-size: 26px; }
  .steps { grid-template-columns: minmax(0, 1fr); gap: 22px; }
  .step { flex-direction: row; gap: 16px; padding-top: 16px; }
  .step-num { font-size: 30px; width: 40px; flex-shrink: 0; }
  .step-text { gap: 6px; }
  .step-title { font-size: 17px; }
}

/* introducers */
.introducers .wrap { display: flex; gap: 80px; }
.intro-copy { width: 600px; flex-shrink: 0; display: flex; flex-direction: column; gap: 22px; }
.intro-copy .h2 { font-size: 44px; }
.intro-copy p { margin: 0; font-size: 18px; line-height: 1.65; color: var(--on-dark); }
.intro-copy .btn-row { margin-top: 8px; }
.intro-copy .btn { min-height: 54px; font-size: 16px; padding: 0 28px; }
.benefit-grid { flex-grow: 1; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; align-content: start; }
.benefit { padding: 28px; border-radius: 18px; background: var(--navy-card); display: flex; flex-direction: column; gap: 10px; }
.benefit h3 { margin: 0; font-size: 18px; font-weight: 700; color: #fff; }
.benefit p { margin: 0; font-size: 15px; line-height: 1.6; color: var(--on-dark-muted); }
@media (max-width: 1199px) {
  .introducers .wrap { flex-direction: column; gap: 40px; }
  .intro-copy { width: auto; max-width: 720px; }
  .intro-copy .h2 { font-size: 36px; }
}
@media (max-width: 759px) {
  .intro-copy .h2 { font-size: 32px; }
  .intro-copy p { font-size: 16px; line-height: 1.6; }
  /* mobile order (per design): copy, benefits, then the buttons */
  .introducers .wrap { gap: 16px; }
  .intro-copy { display: contents; }
  .intro-copy .btn-row { order: 2; margin-top: 12px; }
  .benefit-grid { order: 1; grid-template-columns: minmax(0, 1fr); gap: 12px; margin-top: 12px; }
  .benefit { padding: 20px; border-radius: 16px; gap: 8px; }
  .benefit h3 { font-size: 17px; }
}

/* FAQ */
.faq .wrap { display: flex; gap: 80px; }
.faq-intro { width: 400px; flex-shrink: 0; display: flex; flex-direction: column; gap: 18px; }
.faq-intro p { margin: 0; font-size: 17px; line-height: 1.6; color: var(--body); }
.faq-intro a { font-weight: 600; }
.faq-list { flex-grow: 1; display: flex; flex-direction: column; }
.faq-entry { padding: 26px 0; border-top: 1px solid var(--line-soft); display: flex; flex-direction: column; gap: 10px; }
.faq-entry:last-child { border-bottom: 1px solid var(--line-soft); }
.faq-entry h3 { margin: 0; font-size: 20px; font-weight: 700; }
.faq-entry p { margin: 0; font-size: 16px; line-height: 1.65; color: var(--body); }
@media (max-width: 1199px) {
  .faq .wrap { flex-direction: column; gap: 32px; }
  .faq-intro { width: auto; max-width: 720px; }
}
@media (max-width: 759px) {
  .faq .wrap { gap: 24px; }
  .faq-intro { gap: 12px; }
  .faq-intro p { font-size: 16px; }
  .faq-entry { padding: 22px 0; gap: 8px; }
  .faq-entry h3 { font-size: 18px; line-height: 1.35; }
  .faq-entry p { font-size: 15px; }
}

/* contact */
.contact { padding: 0 0 100px; }
.contact-panel { display: flex; border-radius: var(--radius-panel); overflow: hidden; background: var(--lilac); }
.contact-info { width: 520px; flex-shrink: 0; padding: 56px; background: var(--action); color: #fff; display: flex; flex-direction: column; gap: 22px; }
.contact-info .h2 { font-size: 40px; color: #fff; }
.contact-info > p { margin: 0; font-size: 17px; line-height: 1.6; }
.contact-lines { display: flex; flex-direction: column; gap: 18px; padding-top: 10px; font-size: 17px; }
.contact-lines a { display: flex; gap: 14px; align-items: center; color: #fff; text-decoration: none; }
.contact-lines a:hover { color: #fff; text-decoration: underline; }
.contact-lines .contact-phone { font-weight: 700; font-size: 22px; }
.contact-lines address { display: flex; gap: 14px; align-items: flex-start; line-height: 1.5; font-style: normal; }
.contact-lines svg { flex-shrink: 0; }
.contact-hours { display: flex; gap: 14px; align-items: center; margin: 0; }
.footer-hours { margin: 0; line-height: 1.6; }
.contact-form { flex-grow: 1; padding: 56px; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px 24px; align-content: start; }
.contact-form .span-2 { grid-column: span 2; }
.contact-form .field textarea { resize: none; }
.form-foot { display: flex; justify-content: space-between; align-items: center; gap: 24px; padding-top: 6px; }
.form-foot .privacy-note { font-size: 13px; line-height: 1.5; color: var(--muted); max-width: 420px; margin: 0; }
.form-foot .btn { min-height: 56px; padding: 0 34px; font-size: 17px; flex-shrink: 0; }
@media (max-width: 1199px) {
  .contact-panel { flex-direction: column; }
  .contact-info { width: auto; padding: 44px 40px; }
  .contact-form { padding: 40px; }
}
@media (max-width: 759px) {
  .contact { padding: 0 0 52px; }
  .contact .wrap { padding-left: 16px; padding-right: 16px; }
  .contact-panel { border-radius: 24px; }
  .contact-info { padding: 32px 24px; gap: 16px; }
  .contact-info .h2 { font-size: 32px; }
  .contact-info > p { font-size: 16px; }
  .contact-lines { gap: 8px; padding-top: 0; }
  .contact-lines .contact-phone { min-height: 48px; }
  .contact-lines a:not(.contact-phone), .contact-lines address, .contact-hours { font-size: 15px; }
  .contact-form { padding: 28px 20px; grid-template-columns: minmax(0, 1fr); gap: 18px; }
  .contact-form .span-2 { grid-column: auto; }
  .form-foot { flex-direction: column-reverse; align-items: stretch; gap: 14px; }
  .form-foot .btn { min-height: 54px; width: 100%; }
}

/* ===================================================== inner pages */
.page-hero { background: var(--ink); color: #fff; padding: 80px 0 72px; position: relative; }
.page-hero .wrap { display: flex; flex-direction: column; gap: 20px; }
.page-hero h1 { margin: 0; font-family: var(--serif); font-weight: 500; font-size: 52px; line-height: 1.1; color: #fff; letter-spacing: -0.01em; max-width: 900px; }
.page-hero p { margin: 0; font-size: 19px; line-height: 1.6; color: var(--on-dark); max-width: 760px; }
.pill-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 8px; }
.pill { display: inline-flex; align-items: center; gap: 8px; padding: 10px 16px; border-radius: 999px; background: var(--navy-card); font-size: 14px; font-weight: 500; color: #fff; }
.pill::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: var(--ice); flex: none; }
.prose-section { padding: 72px 0 96px; }
.prose { max-width: 820px; }
.prose h2 { margin: 48px 0 14px; font-family: var(--serif); font-weight: 500; font-size: 30px; line-height: 1.2; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin: 32px 0 10px; font-size: 20px; font-weight: 700; }
.prose p, .prose li { font-size: 17px; line-height: 1.7; color: var(--body); }
.prose p { margin: 0 0 14px; }
.prose ul { margin: 12px 0 18px; padding: 0; list-style: none; display: flex; flex-direction: column; gap: 10px; }
.prose ul li { position: relative; padding-left: 30px; }
.prose ul li::before { content: ""; position: absolute; left: 0; top: 7px; width: 18px; height: 12px; border-left: 2.4px solid var(--action); border-bottom: 2.4px solid var(--action); transform: rotate(-45deg) scale(0.75); transform-origin: left top; top: 12px; }
.prose ol { margin: 12px 0 18px; padding-left: 22px; }
.prose a { font-weight: 600; }
.cta-band { background: var(--teal-ground); padding: 64px 0; }
.cta-band .wrap { display: flex; justify-content: space-between; align-items: center; gap: 32px; }
.cta-band h2 { margin: 0; font-family: var(--serif); font-weight: 500; font-size: 32px; line-height: 1.2; max-width: 720px; }
.cta-band p { margin: 8px 0 0; font-size: 17px; color: var(--body); }
@media (max-width: 1199px) {
  .page-hero { padding: 64px 0 56px; }
  .page-hero h1 { font-size: 44px; }
  .cta-band .wrap { flex-direction: column; align-items: flex-start; }
}
@media (max-width: 759px) {
  .page-hero { padding: 44px 0 40px; }
  .page-hero .wrap { gap: 16px; }
  .page-hero h1 { font-size: 34px; }
  .page-hero p { font-size: 17px; }
  .pill { font-size: 13px; padding: 8px 14px; }
  .prose-section { padding: 44px 0 56px; }
  .prose h2 { font-size: 25px; margin-top: 36px; }
  .prose p, .prose li { font-size: 16px; }
  .cta-band { padding: 44px 0; }
  .cta-band h2 { font-size: 26px; }
  .cta-band .wrap { align-items: stretch; }
  .cta-band .btn { width: 100%; }
}

/* ---------- inner page components */
.hidden { display: none !important; }
.prose-section-tight { padding-bottom: 0; }
.prose .fine-print { font-size: 13px; line-height: 1.6; color: var(--muted); margin-top: 20px; }
.prose #products-loading, .prose #products-empty, .prose #products-error,
#case-studies-loading, #case-studies-empty, #case-studies-error { font-size: 15px; color: var(--muted); }
.products-table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: 16px; background: #fff; }
.products-table { width: 100%; min-width: 640px; border-collapse: collapse; font-size: 15px; }
.products-table th { text-align: left; font-size: 12px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--purple-dark); background: var(--lilac); padding: 14px 14px; }
.products-table td { padding: 16px 14px; border-top: 1px solid var(--line); vertical-align: top; color: var(--ink); }
.prose .key-areas-list { gap: 18px; }
.prose .key-areas-list strong { display: block; font-family: var(--serif); font-weight: 500; font-size: 20px; color: var(--ink); margin-bottom: 4px; }
.prose .key-areas-list span { font-size: 16px; color: var(--body); }
.cases-section .wrap { display: flex; flex-direction: column; gap: 36px; }
.cases-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; }
.case-card { background: #fff; border-radius: var(--radius-card); overflow: hidden; display: flex; flex-direction: column; box-shadow: 0 1px 0 var(--line); }
.case-card img { width: 100%; height: 180px; object-fit: cover; display: block; }
.case-image-placeholder { height: 180px; display: flex; align-items: center; justify-content: center; background: var(--teal-ground); color: var(--muted); font-size: 13px; }
.case-body { padding: 22px 24px 26px; display: flex; flex-direction: column; gap: 10px; flex: 1; }
.case-loan { font-family: var(--serif); font-weight: 500; font-size: 28px; color: var(--ink); }
.case-desc { font-size: 15px; line-height: 1.6; color: var(--body); flex: 1; }
.case-tags { display: flex; gap: 8px; flex-wrap: wrap; }
.case-tag { font-size: 12px; font-weight: 600; padding: 4px 10px; border-radius: 999px; background: var(--lilac); color: var(--purple-dark); }
.cases-view-all { text-align: center; }
.prose-wide { max-width: none; }
.prose .cases-grid .case-card { border: 1px solid var(--line); }
@media (max-width: 1199px) { .cases-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 759px) { .cases-grid { grid-template-columns: minmax(0, 1fr); } .products-table { font-size: 14px; } }
.product-lender { font-weight: 700; }
.product-name { font-size: 13px; color: var(--muted); margin-top: 2px; }
.rate-from-label { font-size: 11px; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--muted); }
.rate-figure { font-family: var(--serif); font-size: 20px; font-weight: 500; }

/* Text-only pages (legal, complaints, privacy): one centred reading column,
   with the banner heading lined up over the text. */
.page-narrow .wrap { max-width: calc(820px + 2 * var(--gutter)); }
.page-narrow .prose { max-width: none; }
.page-narrow .prose-section { padding-top: 64px; }
.page-narrow .prose h2 { padding-top: 28px; border-top: 1px solid var(--line); margin-top: 40px; }
.page-narrow .prose h2:first-child { padding-top: 0; border-top: 0; margin-top: 0; }

/* Phones: every tap target at least 44px, no text under 12px (handover spec). */
.rate-from-label { font-size: 12px; }
@media (max-width: 759px) {
  .card-link { display: inline-flex; align-items: center; min-height: 44px; padding: 0; }
  .site-footer .footer-nav a { display: flex; align-items: center; min-height: 44px; padding: 0; }
  .site-footer .footer-nav .footer-sub { padding-left: 14px; }
  .contact-lines a, .contact-lines address, .contact-hours { min-height: 44px; }
  .footer-phone { display: inline-flex; align-items: center; min-height: 44px; }
  .faq-intro a, .prose a[href^="tel:"], .prose a[href^="mailto:"] { display: inline-block; padding: 10px 0; margin: -10px 0; }
  /* bridging.html / commercial-bridging-loans.html components */
  body .info-tip { min-width: 28px; min-height: 28px; font-size: 13px; }
  body input[type="range"] { height: 44px; }
  body .case-tag, body .rate-panel-eyebrow { font-size: 12px; }
  #contact a[href^="tel:"], #contact a[href^="mailto:"] { display: inline-flex; align-items: center; min-height: 44px; }
}