/* Colours (--p / --a) are injected per-site from config.php */
:root{--ink:#10282a;--mut:#5b7173;--cream:#FAF6EF;--card:#fff;--line:#e6e0d4;--r:20px;--sh:0 14px 40px rgba(16,40,42,.10);--hh:68px;
  --serif:"Fraunces",Georgia,serif;--sans:"DM Sans",system-ui,-apple-system,"Segoe UI",sans-serif}
*{box-sizing:border-box}
[hidden]{display:none!important}
html{scroll-behavior:smooth;scroll-padding-top:calc(var(--hh) + 14px)}
body{margin:0;font:17px/1.6 var(--sans);color:var(--ink);background:var(--cream);-webkit-font-smoothing:antialiased;padding-bottom:64px;opacity:1;transition:opacity .5s}
body.is-loading{opacity:0}
img{max-width:100%;height:auto}
a{color:var(--p)}
h1,h2,h3{font-family:var(--serif);line-height:1.12;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2.1rem,6.2vw,3.7rem);font-weight:800}
h2{font-size:clamp(1.7rem,4.2vw,2.6rem);font-weight:800}
h3{font-size:1.25rem;font-weight:600}
p{margin:0 0 1em}
.wrap{width:min(1180px,100% - 32px);margin-inline:auto}
.narrow{width:min(760px,100% - 32px)}
.center{text-align:center}.muted{color:var(--mut)}
.hp{position:absolute!important;left:-9999px;width:1px;height:1px;opacity:0}
.ic{flex:none;vertical-align:-.2em}
:focus-visible{outline:3px solid var(--a);outline-offset:2px}

/* page-load transition */
.loader{position:fixed;inset:0;z-index:100;background:var(--p);display:grid;place-items:center;transition:opacity .5s .15s,visibility .5s .15s;pointer-events:none}
.loader span{width:44px;height:44px;border-radius:50%;border:4px solid rgba(255,255,255,.25);border-top-color:var(--a);animation:spin .8s linear infinite}
body:not(.is-loading) .loader{opacity:0;visibility:hidden}
@keyframes spin{to{transform:rotate(360deg)}}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--a);color:#fff;border:2px solid var(--a);border-radius:999px;padding:13px 26px;font:700 1rem var(--sans);text-decoration:none;cursor:pointer;transition:transform .2s,box-shadow .2s,background .2s,color .2s;box-shadow:0 8px 20px -8px var(--a)}
.btn:hover{transform:translateY(-2px);box-shadow:0 14px 26px -10px var(--a)}
.btn:active{transform:translateY(0)}
.btn-sm{padding:9px 18px;font-size:.92rem}
.btn-block{width:100%}
.btn-ghost{background:transparent;color:var(--p);border-color:var(--p);box-shadow:none}
.btn-ghost:hover{background:var(--p);color:#fff;box-shadow:none}
.btn-light{background:#fff;color:var(--p);border-color:#fff;box-shadow:none}
.btn-outline{background:transparent;border-color:rgba(255,255,255,.7);color:#fff;box-shadow:none}
.btn-outline:hover{background:#fff;color:var(--p)}
.btn[disabled]{opacity:.6;pointer-events:none}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(250,246,239,.92);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-bottom:1px solid transparent;transition:box-shadow .3s,border-color .3s}
.site-header.scrolled{box-shadow:0 6px 24px rgba(16,40,42,.09);border-color:var(--line)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:12px;height:var(--hh)}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);min-width:0}
.brand-mark{display:grid;place-items:center;width:40px;height:40px;border-radius:12px;background:var(--p);color:var(--a);flex:none}
.brand-text{display:flex;flex-direction:column;line-height:1.1;min-width:0}
.brand-text strong{font:800 1rem var(--serif);line-height:1.1}
.brand-text small{display:none;font-size:.7rem;color:var(--mut)}
.nav{display:none;gap:20px}
.nav a{text-decoration:none;color:var(--ink);font-weight:500;font-size:.95rem;position:relative}
.nav a::after{content:"";position:absolute;left:0;bottom:-4px;height:2px;width:0;background:var(--a);transition:width .25s}
.nav a:hover::after{width:100%}
.quick{display:flex;align-items:center;gap:8px}
.qbtn{display:inline-flex;align-items:center;gap:8px;height:44px;min-width:44px;justify-content:center;border-radius:999px;border:0;background:var(--p);color:#fff;text-decoration:none;cursor:pointer;transition:transform .2s,background .2s;font:700 .95rem var(--sans);padding:0 12px}
.qbtn:hover{transform:scale(1.07);background:var(--a)}
.hide-sm{display:none}
.burger{width:44px;height:44px;border-radius:12px;border:1px solid var(--line);background:#fff;display:grid;place-content:center;gap:5px;cursor:pointer}
.burger span{display:block;width:20px;height:2px;background:var(--ink);transition:transform .25s,opacity .25s}
.burger[aria-expanded=true] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger[aria-expanded=true] span:nth-child(2){opacity:0}
.burger[aria-expanded=true] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
@media (max-width:959px){
  .nav{position:fixed;left:0;right:0;top:var(--hh);background:var(--cream);flex-direction:column;gap:0;padding:8px 16px 20px;box-shadow:0 20px 30px rgba(0,0,0,.1);transform:translateY(-12px);opacity:0;visibility:hidden;transition:.25s;display:flex}
  .nav.open{transform:none;opacity:1;visibility:visible}
  .nav a{padding:14px 4px;border-bottom:1px solid var(--line);font-size:1.05rem}
}
@media (min-width:960px){
  .nav{display:flex}.burger{display:none}.hide-sm{display:inline-flex}.brand-text small{display:block}
}

/* slide-out enquiry drawer */
.drawer{position:fixed;inset:0;z-index:90;visibility:hidden}
.drawer.open{visibility:visible}
.drawer-scrim{position:absolute;inset:0;background:rgba(10,30,32,.55);opacity:0;transition:opacity .3s}
.drawer.open .drawer-scrim{opacity:1}
.drawer-panel{position:absolute;right:0;top:0;bottom:0;width:min(420px,100%);background:#fff;padding:28px 22px;overflow:auto;transform:translateX(100%);transition:transform .35s cubic-bezier(.2,.8,.2,1);z-index:2;box-shadow:-20px 0 50px rgba(0,0,0,.2)}
.drawer.open .drawer-panel{transform:none}
.drawer-close{position:absolute;right:14px;top:14px;border:0;background:var(--cream);width:40px;height:40px;border-radius:50%;cursor:pointer;display:grid;place-items:center}
.drawer h2{font-size:1.7rem}

/* forms */
label{display:block;font-weight:600;font-size:.9rem;margin:0 0 14px}
label small{font-weight:400;color:var(--mut)}
input,select,textarea{display:block;width:100%;margin-top:6px;padding:13px 14px;border:1.5px solid var(--line);border-radius:14px;font:500 1rem var(--sans);color:var(--ink);background:#fff;transition:border-color .2s,box-shadow .2s;appearance:none;-webkit-appearance:none}
select{background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='8' fill='none' stroke='%2310282a' stroke-width='2'%3E%3Cpath d='M1 1l6 6 6-6'/%3E%3C/svg%3E") no-repeat right 14px center;padding-right:38px}
input:focus,select:focus,textarea:focus{outline:0;border-color:var(--a);box-shadow:0 0 0 4px rgba(255,122,69,.18)}
.money{position:relative;display:block}
.money b{position:absolute;left:14px;top:50%;transform:translateY(-35%);color:var(--mut);font-weight:700}
.money input{padding-left:30px}
.money .suffix{left:auto;right:14px}
.form-msg{margin:12px 0 0;font-weight:600;min-height:1.4em}
.form-msg.err{color:#b3261e}
.fineprint{font-size:.78rem;color:var(--mut);margin:12px 0 0;text-align:center}
.lvr{background:#eef6f4;color:var(--p);border-radius:12px;padding:10px 14px;font-size:.9rem;font-weight:600;margin:-4px 0 14px}

/* hero */
.hero{position:relative;overflow:hidden;color:#fff;background:linear-gradient(140deg,var(--p) 0%,var(--pd) 100%);padding:44px 0 56px}
.hero::before{content:"";position:absolute;inset:0;background:var(--hero-img,none) center/cover;opacity:.28}
.hero-bg i{position:absolute;border-radius:50%;background:radial-gradient(circle at 30% 30%,var(--a),transparent 70%);opacity:.28;animation:float 14s ease-in-out infinite}
.hero-bg i:nth-child(1){width:420px;height:420px;right:-120px;top:-120px}
.hero-bg i:nth-child(2){width:300px;height:300px;left:-100px;bottom:-80px;animation-delay:-5s;opacity:.18}
.hero-bg i:nth-child(3){width:180px;height:180px;right:30%;bottom:10%;animation-delay:-9s;opacity:.14}
@keyframes float{50%{transform:translate(24px,-30px) scale(1.08)}}
.hero-grid{position:relative;display:grid;gap:30px}
.hero h1 em{font-style:italic;color:var(--a)}
.hero .lead{font-size:1.12rem;opacity:.9;max-width:34em}
.eyebrow{display:inline-flex;align-items:center;gap:6px;font-weight:700;font-size:.8rem;letter-spacing:.09em;text-transform:uppercase;color:var(--a);margin-bottom:12px}
.hero .eyebrow{background:rgba(255,255,255,.1);padding:6px 12px;border-radius:99px}
.ticks{list-style:none;padding:0;margin:0 0 24px;display:grid;gap:8px}
.ticks li{display:flex;gap:10px;align-items:center;font-weight:500}
.ticks .ic{color:var(--a)}
.hero .btn-ghost{color:#fff;border-color:rgba(255,255,255,.6)}
.hero .btn-ghost:hover{background:#fff;color:var(--p)}
.hero-form{background:#fff;color:var(--ink);border-radius:26px;padding:22px 20px;box-shadow:0 30px 60px -20px rgba(0,0,0,.45)}
.rf-head{display:flex;justify-content:space-between;align-items:baseline;gap:10px}
.rf-head h2{font-size:1.5rem;margin:0}
.rf-count{font-size:.85rem;color:var(--mut);margin:0}
.rf-progress{height:6px;background:#efe9dc;border-radius:9px;margin:14px 0 18px;overflow:hidden}
.rf-progress span{display:block;height:100%;width:25%;background:var(--a);border-radius:9px;transition:width .4s}
.rf-step{display:none;animation:stepIn .35s}
.rf-step.is-active{display:block}
@keyframes stepIn{from{opacity:0;transform:translateX(16px)}}
.rf-nav{margin-top:6px}.rf-nav.two{display:grid;grid-template-columns:1fr 1.6fr;gap:10px}
.rf-done{text-align:center;padding:16px 4px}
.rf-done .done-ic{width:68px;height:68px;border-radius:50%;background:var(--p);color:#fff;display:grid;place-items:center;margin:0 auto 14px;animation:pop .5s}
@keyframes pop{from{transform:scale(.3);opacity:0}}
@media (min-width:900px){.hero{padding:70px 0 84px}.hero-grid{grid-template-columns:1.1fr .9fr;align-items:center;gap:56px}.hero-form{padding:28px 28px}}

/* lender marquee */
.marquee{background:#fff;border-block:1px solid var(--line);padding:18px 0;overflow:hidden}
.marquee-label{text-align:center;font-size:.78rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--mut);margin:0 0 12px}
.marquee-track{display:flex;width:max-content;animation:marq 38s linear infinite}
.marquee:hover .marquee-track{animation-play-state:paused}
.marquee-row{display:flex;gap:14px;list-style:none;margin:0;padding:0 7px}
.marquee-row li{display:grid;place-items:center;height:64px;min-width:120px;padding:0 22px;background:#fff;border:1.5px solid var(--line);border-radius:16px;transition:border-color .2s,transform .2s,box-shadow .2s}
.marquee-row li:hover{border-color:var(--a);transform:translateY(-2px);box-shadow:0 8px 20px -10px rgba(16,40,42,.3)}
.lender-logo{display:block;height:32px;width:auto;max-width:130px;object-fit:contain}
.lender-name{white-space:nowrap;font:700 .95rem var(--sans);color:var(--ink)}
@keyframes marq{to{transform:translateX(-50%)}}

/* trust strip */
.trust{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:-1px;padding:28px 0 6px;text-align:center}
.trust strong{display:block;font:800 clamp(1.4rem,4.4vw,2.2rem) var(--serif);color:var(--p)}
.trust span{font-size:.85rem;color:var(--mut)}

/* sections */
.section{padding:64px 0}
.sec-head{max-width:760px;margin:0 auto 36px;text-align:center}
.sec-head .lead{color:var(--mut)}
.cards{display:grid;gap:20px;grid-template-columns:1fr}
.card{display:flex;flex-direction:column;background:var(--card);border-radius:var(--r);overflow:hidden;text-decoration:none;color:inherit;border:1px solid var(--line);transition:transform .3s,box-shadow .3s,border-color .3s}
.card:hover{transform:translateY(-8px);box-shadow:var(--sh);border-color:transparent}
.card-img{aspect-ratio:16/8.5;overflow:hidden;background:#dbe9e6}
.card-img img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .6s}
.card:hover .card-img img{transform:scale(1.07)}
.card-body{padding:22px 22px 24px;position:relative;flex:1;display:flex;flex-direction:column}
.card-ic{position:absolute;top:-26px;left:20px;width:52px;height:52px;border-radius:16px;background:var(--a);color:#fff;display:grid;place-items:center;box-shadow:0 10px 20px -8px var(--a);transition:transform .3s}
.card:hover .card-ic{transform:rotate(-8deg) scale(1.08)}
.card h3{margin-top:22px;margin-bottom:2px}
.card-tag{color:var(--a);font-weight:700;font-size:.85rem;margin-bottom:10px}
.card p:not(.card-tag){color:var(--mut);font-size:.97rem;flex:1}
.card-link{display:inline-flex;align-items:center;gap:6px;font-weight:700;color:var(--p)}
.card:hover .card-link .ic{transform:translateX(4px)}.card-link .ic{transition:transform .2s}
@media (min-width:640px){.cards{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1000px){.cards{grid-template-columns:repeat(3,1fr)}}

/* why */
.why{background:var(--p);color:#fff}
.why h2{color:#fff}.why .eyebrow{color:var(--a)}
.why-grid{display:grid;gap:36px}
.authority{margin:0 0 26px;padding:22px 24px;border-left:5px solid var(--a);background:rgba(255,255,255,.08);border-radius:0 18px 18px 0;font-size:1.08rem;line-height:1.7}
.authority strong{color:var(--a)}
.why-list{list-style:none;margin:0;padding:0;display:grid;gap:16px}
.why-list li{display:flex;gap:16px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:var(--r);padding:20px;transition:transform .3s,background .3s}
.why-list li:hover{transform:translateX(6px);background:rgba(255,255,255,.14)}
.why-list li>span{width:50px;height:50px;border-radius:14px;background:var(--a);display:grid;place-items:center;flex:none}
.why-list h3{margin:0 0 4px}.why-list p{margin:0;opacity:.85;font-size:.97rem}
@media (min-width:900px){.why-grid{grid-template-columns:1.1fr .9fr;align-items:center;gap:64px}}

/* steps */
.steps{list-style:none;margin:0;padding:0;display:grid;gap:18px;counter-reset:s}
.steps li{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;position:relative}
.steps b{display:grid;place-items:center;width:44px;height:44px;border-radius:50%;background:var(--a);color:#fff;font:800 1.2rem var(--serif);margin-bottom:12px}
.steps p{color:var(--mut);margin:0}
@media (min-width:800px){.steps{grid-template-columns:repeat(3,1fr)}}

/* areas */
.areas{background:#fff;border-block:1px solid var(--line)}
.chips{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:10px;justify-content:center}
.chips li{display:inline-flex;align-items:center;gap:6px;padding:9px 16px;border-radius:99px;background:var(--cream);border:1px solid var(--line);font-weight:600;font-size:.93rem;transition:background .2s,color .2s,transform .2s}
.chips li:hover{background:var(--p);color:#fff;transform:translateY(-2px)}
.chips li .ic{color:var(--a)}
.chips a{text-decoration:none;color:inherit}
.chips a.on{color:var(--a)}
.cat-filter{justify-content:flex-start;margin-top:14px}
.cat-filter li:has(a.on){background:var(--p);color:#fff}

/* blog cards */
.posts{display:grid;gap:22px;grid-template-columns:1fr}
.post-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;text-decoration:none;color:inherit;transition:transform .3s,box-shadow .3s}
.post-card:hover{transform:translateY(-6px);box-shadow:var(--sh)}
.post-card img{width:100%;aspect-ratio:16/8.4;object-fit:cover;display:block}
.post-card>div{padding:18px 20px 22px}
.post-card h3{margin:10px 0 6px}
.post-card p{color:var(--mut);font-size:.95rem;margin:0 0 8px}
.pill{display:inline-block;background:rgba(255,122,69,.14);color:var(--p);font-weight:700;font-size:.74rem;letter-spacing:.04em;text-transform:uppercase;padding:4px 10px;border-radius:99px}
@media (min-width:700px){.posts{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1000px){.posts{grid-template-columns:repeat(3,1fr)}}

.page-hero{background:linear-gradient(140deg,var(--p),var(--pd));color:#fff;padding:54px 0 44px}
.page-hero h1{margin:0}.page-hero .lead{opacity:.85}.page-hero .chips li{color:var(--ink)}

/* article */
.article-head{padding-top:36px}
.article-head h1{font-size:clamp(1.9rem,5vw,3rem)}
.crumbs{font-size:.85rem;color:var(--mut)}.crumbs a{color:var(--mut)}
.article-img img{width:100%;aspect-ratio:16/8;object-fit:cover;border-radius:var(--r);display:block;margin:18px 0 28px;box-shadow:var(--sh)}
.prose{font-size:1.07rem;line-height:1.8}
.prose h2{font-size:1.7rem;margin:1.8em 0 .5em}.prose h3{font-size:1.3rem;margin:1.5em 0 .4em}
.prose ul,.prose ol{padding-left:1.3em}.prose li{margin-bottom:.4em}
.prose blockquote{margin:1.4em 0;padding:4px 20px;border-left:4px solid var(--a);background:#fff;border-radius:0 12px 12px 0;color:var(--mut)}
.prose img{border-radius:14px;margin:1em 0;display:block}
.prose table{border-collapse:collapse;width:100%;font-size:.95rem}.prose td,.prose th{border:1px solid var(--line);padding:8px 10px;text-align:left}
.article-cta{margin:44px auto 10px;background:var(--p);color:#fff;border-radius:var(--r);padding:30px;text-align:center}
.article-cta h2{color:#fff;font-size:1.6rem}.article-cta .btn{margin:4px}
.article-cta .btn-ghost{color:#fff;border-color:rgba(255,255,255,.6)}

/* faq */
.faq details{background:#fff;border:1px solid var(--line);border-radius:16px;margin-bottom:12px;overflow:hidden;transition:box-shadow .2s}
.faq details[open]{box-shadow:var(--sh)}
.faq summary{cursor:pointer;list-style:none;padding:18px 54px 18px 20px;font-weight:700;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-52%);font:400 1.8rem var(--sans);color:var(--a);transition:transform .25s}
.faq details[open] summary::after{transform:translateY(-52%) rotate(45deg)}
.faq details p{padding:0 20px 18px;margin:0;color:var(--mut)}

/* CTA */
.cta{background:linear-gradient(120deg,var(--a),#ff9a5c);color:#fff;text-align:center;padding:60px 0}
.cta h2{color:#fff}.cta p{font-size:1.1rem;opacity:.95}
.cta .btn-light{color:var(--p)}
.cta-actions{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin-top:8px}

/* footer */
.site-footer{background:#0a2224;color:#cfdcda;padding:52px 0 24px;font-size:.95rem}
.foot-grid{display:grid;gap:28px;grid-template-columns:1fr}
.site-footer h3{color:#fff;font-size:1rem;font-family:var(--sans);font-weight:700;margin-bottom:12px}
.site-footer a{color:#cfdcda;text-decoration:none}.site-footer a:hover{color:var(--a)}
.brand-foot{color:#fff}.brand-foot .brand-text strong{color:#fff}
.plain{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.legal{margin-top:34px;padding-top:22px;border-top:1px solid rgba(255,255,255,.12);font-size:.8rem;opacity:.8}
@media (min-width:760px){.foot-grid{grid-template-columns:1.3fr 1fr 1fr}}

/* mobile bottom bar */
.mobile-bar{position:fixed;left:0;right:0;bottom:0;z-index:40;display:grid;grid-template-columns:1fr 1.3fr;gap:8px;padding:8px 10px calc(8px + env(safe-area-inset-bottom));background:rgba(255,255,255,.96);backdrop-filter:blur(10px);box-shadow:0 -6px 24px rgba(0,0,0,.1)}
.mobile-bar a{display:flex;gap:8px;align-items:center;justify-content:center;border-radius:999px;padding:12px;font-weight:700;text-decoration:none}
.mb-call{background:var(--p);color:#fff}.mb-rates{background:var(--a);color:#fff}
@media (min-width:960px){.mobile-bar{display:none}body{padding-bottom:0}}

/* scroll reveal */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .7s var(--d,0s),transform .7s var(--d,0s)}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.reveal{opacity:1;transform:none}html{scroll-behavior:auto}body.is-loading{opacity:1}.loader{display:none}}

/* footer actions */
.foot-act{display:inline-flex;align-items:center;gap:8px;background:none;border:0;padding:0;font:inherit;color:#cfdcda;cursor:pointer;text-decoration:none}
.foot-act:hover{color:var(--a)}

/* first home buyer schemes */
.fhb{background:#fff;border-block:1px solid var(--line)}
.schemes{display:grid;gap:18px;grid-template-columns:1fr}
.scheme{display:flex;flex-direction:column;background:var(--cream);border:1px solid var(--line);border-radius:var(--r);padding:24px 22px;transition:transform .3s,box-shadow .3s,background .3s}
.scheme:hover{transform:translateY(-6px);box-shadow:var(--sh);background:#fff}
.scheme-kind{font-size:.76rem;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--a);margin:0 0 6px}
.scheme h3{margin:0 0 8px;font-size:1.3rem}
.scheme-big{font:800 1.45rem/1.15 var(--serif);color:var(--p);margin:0 0 10px}
.scheme-sum{color:var(--mut);font-size:.97rem}
.scheme-list{list-style:none;margin:6px 0 0;padding:14px 0 0;border-top:1px solid var(--line);display:grid;gap:10px;font-size:.92rem}
.scheme-list li{display:flex;gap:10px;align-items:flex-start}
.scheme-list .ic{color:var(--a);margin-top:.28em}
.fhb-cta{margin-top:26px;background:var(--p);color:#fff;border-radius:var(--r);padding:26px 24px;display:grid;gap:16px;align-items:center}
.fhb-cta h3{color:#fff;margin:0 0 6px}.fhb-cta p{margin:0;opacity:.88}
.fineprint-left{margin:22px 0 0;font-size:.8rem;color:var(--mut);max-width:70em}
@media (min-width:700px){.schemes{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1000px){.schemes{grid-template-columns:repeat(3,1fr)}.fhb-cta{grid-template-columns:1fr auto;padding:28px 34px}}

/* stamp duty calculator */
.calc{display:grid;gap:20px;grid-template-columns:1fr}
.calc-in{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px 22px}
.seg{border:0;margin:0 0 6px;padding:0;display:grid;gap:10px}
.seg legend{font-weight:600;font-size:.9rem;padding:0;margin-bottom:10px}
.opt{display:block;position:relative;margin:0;cursor:pointer}
.opt input{position:absolute;left:0;top:0;width:1px;height:1px;margin:0;padding:0;opacity:0;pointer-events:none}
.opt>span{display:flex;flex-direction:column;gap:2px;border:1.5px solid var(--line);border-radius:14px;padding:12px 14px 12px 44px;position:relative;transition:border-color .2s,background .2s}
.opt>span::before{content:"";position:absolute;left:14px;top:50%;width:18px;height:18px;margin-top:-9px;border-radius:50%;border:2px solid var(--line);background:#fff;transition:.2s}
.opt b{font-weight:700}.opt small{color:var(--mut);font-weight:400;font-size:.82rem}
.opt:hover>span{border-color:var(--a)}
.opt input:checked+span{border-color:var(--a);background:rgba(255,122,69,.07)}
.opt input:checked+span::before{border-color:var(--a);background:radial-gradient(var(--a) 45%,#fff 50%)}
.opt input:focus-visible+span{outline:3px solid var(--a);outline-offset:2px}
.check{display:flex;gap:12px;align-items:flex-start;font-weight:500;margin:16px 0 0;cursor:pointer}
.check input{width:20px;height:20px;margin:2px 0 0;flex:none;accent-color:var(--a);padding:0}
.calc-out{background:var(--p);color:#fff;border-radius:var(--r);padding:26px 24px;display:flex;flex-direction:column}
.calc-label{font-size:.78rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--a);margin:0}
.calc-big{font:800 clamp(2.4rem,7vw,3.4rem)/1.05 var(--serif);margin:6px 0 12px;font-variant-numeric:tabular-nums}
.calc-note{font-size:.93rem;opacity:.9;margin:0 0 16px}
.calc-rows{margin:0 0 20px;display:grid;gap:0;border-top:1px solid rgba(255,255,255,.18)}
.calc-rows>div{display:flex;justify-content:space-between;gap:16px;padding:11px 0;border-bottom:1px solid rgba(255,255,255,.18)}
.calc-rows dt{opacity:.85}.calc-rows dd{margin:0;font-weight:700;font-variant-numeric:tabular-nums;text-align:right}
.calc-out .btn{margin-top:auto}
.calc-fine{grid-column:1/-1;margin:0}
.calc-sec{background:#fff;border-block:1px solid var(--line)}
@media (min-width:880px){.calc{grid-template-columns:1.05fr .95fr;align-items:stretch}.calc-in{padding:30px 30px}}
.rate-tables{display:grid;gap:28px}
.rate-table{width:100%;border-collapse:collapse;font-size:.95rem;background:#fff;border-radius:14px;overflow:hidden;border:1px solid var(--line)}
.rate-table th,.rate-table td{text-align:left;padding:11px 14px;border-bottom:1px solid var(--line)}
.rate-table th{background:var(--cream);font-size:.78rem;text-transform:uppercase;letter-spacing:.05em;color:var(--mut)}
.rate-table tr:last-child td{border-bottom:0}
.rate-tables h3{margin-bottom:10px}

/* Calculators dropdown */
.nav-dd{position:relative}
.nav-dd-btn{display:inline-flex;align-items:center;gap:5px}
.nav-dd-btn .chev{transition:transform .2s}
.dd-menu{display:flex;flex-direction:column}
@media (min-width:960px){
  .dd-menu{position:absolute;left:50%;top:100%;margin-top:14px;width:330px;transform:translate(-50%,8px);background:#fff;border:1px solid var(--line);border-radius:18px;padding:8px;box-shadow:0 24px 50px -16px rgba(16,40,42,.35);opacity:0;visibility:hidden;transition:opacity .2s,transform .2s,visibility .2s;z-index:60}
  .dd-menu::before{content:"";position:absolute;left:0;right:0;top:-16px;height:16px}
  .nav-dd:hover .dd-menu,.nav-dd:focus-within .dd-menu{opacity:1;visibility:visible;transform:translate(-50%,0)}
  .nav-dd:hover .chev,.nav-dd:focus-within .chev{transform:rotate(180deg)}
  .dd-menu a{display:flex;flex-direction:column;gap:2px;padding:12px 14px;border-radius:12px;white-space:normal}
  .dd-menu a::after{display:none}
  .dd-menu a:hover{background:var(--cream)}
}
.dd-menu b{font-weight:700;color:var(--ink)}
.dd-menu small{color:var(--mut);font-size:.8rem;font-weight:400}
@media (max-width:959px){
  .nav-dd-btn .chev{display:none}
  .dd-menu a{padding:12px 4px 12px 20px;border-bottom:1px solid var(--line)}
  .dd-menu small{display:none}
  .dd-menu b{font-weight:500;font-size:1rem}
}
@media (min-width:960px) and (max-width:1199px){.hide-sm{display:none}.nav{gap:16px}}

/* homepage calculator tabs */
.tabs{display:flex;gap:6px;justify-content:center;margin:0 auto 22px;padding:5px;background:var(--cream);border:1px solid var(--line);border-radius:999px;width:max-content;max-width:100%}
.tab{border:0;background:none;padding:11px 22px;border-radius:999px;font:700 .95rem var(--sans);color:var(--mut);cursor:pointer;transition:background .2s,color .2s}
.tab:hover{color:var(--ink)}
.tab.is-on{background:var(--p);color:#fff}
@media (max-width:520px){.tabs{width:100%}.tab{flex:1;padding:11px 10px;font-size:.88rem}}

/* repayment calculator */
.two-col{display:grid;gap:0 16px;grid-template-columns:1fr}
@media (min-width:520px){.two-col{grid-template-columns:1fr 1fr}}
.term-out{float:right;font-weight:700;color:var(--p)}
.range{padding:0;margin-top:14px;height:6px;border:0;border-radius:9px;background:linear-gradient(var(--a),var(--a)) 0/var(--fill,50%) 100% no-repeat,#e8e1d3;accent-color:var(--a);cursor:pointer}
.range:focus{box-shadow:none}
.range::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--a);border:3px solid #fff;box-shadow:0 2px 8px rgba(0,0,0,.3)}
.range::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:var(--a);border:3px solid #fff}
.seg-row{grid-template-columns:1fr 1fr;margin-bottom:16px}
.seg-row .opt>span{padding:12px 12px 12px 40px}
.seg-row .opt>span::before{left:12px}
.seg-3{grid-template-columns:repeat(3,1fr)}
@media (max-width:420px){.seg-3 .opt>span{padding:12px 8px 12px 30px;font-size:.88rem}.seg-3 .opt>span::before{left:8px;width:14px;height:14px;margin-top:-7px}}
.split{display:flex;height:12px;border-radius:99px;overflow:hidden;background:rgba(255,255,255,.15);margin:2px 0 8px}
.split span{display:block;height:100%;transition:width .4s}
.split span:first-child{background:#fff}
.split span:last-child{background:var(--a)}
.split-key{display:flex;gap:18px;flex-wrap:wrap;font-size:.88rem;margin-bottom:14px}
.split-key span{display:inline-flex;align-items:center;gap:7px}
.split-key i{width:10px;height:10px;border-radius:50%;display:inline-block}
.k-p{background:#fff}.k-i{background:var(--a)}
.split-key b{font-variant-numeric:tabular-nums}
.chart{margin:0 0 14px}
.chart svg{display:block;width:100%;height:150px}
.chart figcaption{font-size:.76rem;opacity:.7;margin-top:2px}
.ch-line{fill:none;stroke:var(--a);stroke-width:3;stroke-linejoin:round}
.ch-area{fill:rgba(255,122,69,.28)}
.ch-ax{stroke:rgba(255,255,255,.4);stroke-width:1}
.ch-grid{stroke:rgba(255,255,255,.14);stroke-width:1;stroke-dasharray:4 5}
.ch-dot{fill:#fff}
.ch-t{fill:rgba(255,255,255,.75);font:600 12px var(--sans)}
.calc-label-sm{margin:14px 0 4px}
.calc-rows-tight>div{padding:8px 0}
.calc-rows dd small{font-weight:500;opacity:.7;margin-left:4px}
.prose{max-width:none}

/* cashback offers */
.offers{display:grid;gap:10px;margin:18px 0 8px;grid-template-columns:1fr}
@media (min-width:560px){.offers{grid-template-columns:1fr 1fr}}
.offer{display:flex;flex-direction:column;gap:2px;padding:14px 18px;border-radius:16px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.28);color:#fff;text-decoration:none;backdrop-filter:blur(4px);transition:transform .2s,background .2s}
.offer:hover{transform:translateY(-2px);background:rgba(255,255,255,.2)}
.offer b{font:700 1.5rem/1.1 var(--serif,inherit);color:var(--a)}
.offer span{font-size:.92rem;opacity:.95}
.offer-tc{font-size:.74rem;line-height:1.45;opacity:.78;margin:0 0 16px;max-width:40em}
/* keep nav items on one line */
.nav a{white-space:nowrap}
@media (min-width:960px) and (max-width:1279px){.nav{gap:14px;font-size:.92rem}.brand-text small{display:none}}

@media (min-width:560px){.offer-wide{grid-column:1/-1}}
.credit-seg{margin-bottom:16px}.credit-seg .opt>span{padding-top:11px;padding-bottom:11px}

/* blog content: tick lists and tables */
.prose li.chk{list-style:none;position:relative;padding-left:2px;margin-left:-1.1em}
.prose li.chk .box{display:inline-grid;place-items:center;width:1.05em;height:1.05em;margin-right:.55em;border:2px solid var(--a);border-radius:5px;vertical-align:-.12em;font-size:.8em;font-weight:800;color:#fff}
.prose li.chk.on .box{background:var(--a)}
.tbl-wrap{overflow-x:auto;margin:1.2em 0;border:1px solid var(--line);border-radius:14px}
.prose table{border-collapse:collapse;width:100%;min-width:480px;font-size:.95rem}
.prose th,.prose td{padding:10px 14px;text-align:left;border-bottom:1px solid var(--line)}
.prose th{background:var(--cream);font-weight:700}
.prose tr:last-child td{border-bottom:0}
.article-cta .btn{margin:4px 6px 4px 0}

/* optional per-site extras */
.brand-logo{height:46px;width:auto;flex:none;display:block}
.brand-foot .brand-logo{background:#fff;padding:5px;border-radius:12px;height:52px}
.hero-video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.22}
@media (prefers-reduced-motion:reduce){.hero-video{display:none}}
.area-group{margin:0 0 30px}.area-group h2{font-size:1.4rem;margin-bottom:.6em}
.area-group .chips{justify-content:flex-start}