@font-face {
  font-family: "Montserrat";
  src: url("assets/Montserrat-VariableFont_wght.ttf") format("truetype");
  font-style: normal;
  font-weight: 100 900;
  font-display: swap;
}

:root {
  --navy: #162336;
  --navy-soft: #20354b;
  --teal: #2ca7a1;
  --teal-dark: #177f7b;
  --gold: #d9ad46;
  --cream: #fff9ef;
  --white: #ffffff;
  --ink: #1a2a3e;
  --muted: #617080;
  --line: #dce6e3;
  --shadow: 0 24px 70px rgba(22, 35, 54, .13);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--cream); color: var(--ink); font-family: Montserrat, Arial, sans-serif; line-height: 1.65; }
a { color: inherit; }
img { max-width: 100%; display: block; }
.qr-image-link { display: block; flex: 0 0 auto; border-radius: 12px; }
.qr-image-link:focus-visible { outline: 3px solid var(--teal); outline-offset: 4px; }

.site-header { position: sticky; top: 0; z-index: 10; min-height: 86px; padding: 12px clamp(22px, 5vw, 78px); display: flex; align-items: center; gap: 36px; background: rgba(22,35,54,.97); box-shadow: 0 5px 24px rgba(0,0,0,.12); }
.brand { width: min(330px, 34vw); margin-right: auto; }
.brand img { border-radius: 12px; }
nav { display: flex; gap: 30px; }
nav a { color: white; text-decoration: none; font-size: .88rem; font-weight: 600; }
nav a:hover, nav a:focus-visible { color: var(--gold); }

.button { display: inline-flex; min-height: 52px; align-items: center; justify-content: center; padding: 0 24px; border: 1px solid transparent; border-radius: 999px; font: 700 .92rem/1 Montserrat, Arial, sans-serif; text-decoration: none; cursor: pointer; transition: transform .2s ease, box-shadow .2s ease, background .2s ease; }
.button:hover { transform: translateY(-2px); }
.button-primary { background: var(--teal); color: white; box-shadow: 0 10px 24px rgba(44,167,161,.25); }
.button-primary:hover { background: var(--teal-dark); }
.button-secondary { color: var(--navy); border-color: rgba(22,35,54,.25); background: transparent; }
.button-secondary:hover { background: white; }
.button-small { min-height: 42px; padding: 0 19px; font-size: .8rem; }
.button-gold { background: var(--gold); color: var(--navy); }

.hero { min-height: 710px; display: grid; grid-template-columns: minmax(0, 1.08fr) minmax(360px, .92fr); align-items: center; gap: clamp(50px, 7vw, 110px); padding: 76px clamp(28px, 8vw, 130px) 92px; overflow: hidden; }
.hero-copy { max-width: 710px; }
.eyebrow { margin: 0 0 16px; color: var(--teal-dark); font-size: .76rem; font-weight: 700; letter-spacing: .22em; }
h1, h2, h3 { margin-top: 0; line-height: 1.12; color: var(--navy); }
h1 { margin-bottom: 25px; max-width: 760px; font-size: clamp(2.75rem, 5vw, 5.1rem); letter-spacing: -.045em; }
.hero-lead { max-width: 650px; margin: 0 0 34px; color: #415265; font-size: clamp(1.05rem, 1.5vw, 1.28rem); }
.hero-actions { display: flex; flex-wrap: wrap; gap: 13px; }
.hero-contact-card { width: fit-content; max-width: 490px; margin-top: 24px; padding: 12px 17px 12px 12px; display: flex; align-items: center; gap: 15px; border: 1px solid rgba(22,35,54,.12); border-radius: 18px; background: white; box-shadow: 0 12px 32px rgba(22,35,54,.08); }
.hero-contact-card img { width: 160px; height: 160px; padding: 5px; flex: 0 0 auto; border: 3px solid var(--gold); border-radius: 11px; background: white; }
.hero-contact-card strong, .hero-contact-card span, .hero-contact-card a { display: block; }
.hero-contact-card strong { color: var(--navy); font-size: .93rem; }
.hero-contact-card span { margin: 2px 0 6px; color: var(--muted); font-size: .78rem; }
.hero-contact-card a { color: var(--teal-dark); font-size: .78rem; font-weight: 700; text-underline-offset: 3px; }
.hero-contact-card a span { display: inline; color: inherit; }
.direct-note { display: flex; align-items: center; gap: 10px; margin: 26px 0 0; color: var(--muted); font-size: .9rem; }
.direct-note span { width: 9px; height: 9px; border-radius: 50%; background: var(--gold); }
.hero-portrait { position: relative; max-width: 520px; justify-self: center; }
.hero-portrait::before { content: ""; position: absolute; inset: -18px; border: 2px solid var(--gold); border-radius: 50%; }
.portrait-frame { position: relative; aspect-ratio: 1; overflow: hidden; border: 6px solid var(--navy-soft); border-radius: 50%; box-shadow: var(--shadow); background: var(--navy); }
.portrait-frame img { width: 100%; height: 100%; object-fit: cover; object-position: center 35%; }
.portrait-card { position: absolute; right: -30px; bottom: 24px; min-width: 245px; padding: 19px 24px; border-left: 5px solid var(--gold); border-radius: 0 14px 14px 0; background: var(--navy); color: white; box-shadow: var(--shadow); }
.portrait-card strong, .portrait-card span { display: block; }
.portrait-card span { margin-top: 2px; color: #77d5d0; font-size: .85rem; }
.portrait-card small { display: block; margin-top: 7px; color: var(--gold); font-size: .74rem; font-weight: 700; letter-spacing: .04em; }

.intro-band { display: flex; align-items: center; justify-content: center; gap: 11px; padding: 19px 24px; background: var(--gold); color: var(--navy); font-size: .95rem; }
.intro-band p { margin: 0; font-weight: 700; }
.intro-band a { font-weight: 700; text-underline-offset: 3px; }
.section { padding: 108px clamp(28px, 8vw, 130px); }
.section-heading { max-width: 660px; margin-bottom: 48px; }
.section-heading h2, .about h2, .contact h2 { margin-bottom: 19px; font-size: clamp(2.2rem, 3.8vw, 4.15rem); letter-spacing: -.04em; }
.section-heading > p:last-child { color: var(--muted); font-size: 1.04rem; }

.compliance { background: #f4f8f8; }
.compliance-card { display: flex; align-items: center; justify-content: space-between; gap: 32px; padding: 30px 34px; border: 1px solid rgba(15, 27, 44, .12); border-radius: 20px; background: white; box-shadow: 0 16px 40px rgba(15, 27, 44, .07); }
.compliance-card h3 { margin: 0 0 8px; color: var(--navy); font-size: 1.35rem; }
.compliance-card p { margin: 0; color: var(--muted); }
.compliance-card .button { flex: 0 0 auto; }
.service-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 22px; }
.service-card { min-height: 440px; padding: 22px 34px 34px; display: flex; flex-direction: column; border: 1px solid var(--line); border-radius: 24px; background: white; box-shadow: 0 14px 40px rgba(22,35,54,.08); overflow: hidden; }
.service-card-top { position: relative; min-height: 190px; margin: 0 -12px 2px; overflow: hidden; border-radius: 16px; background: var(--navy); }
.service-icon { display: block; width: 100%; height: 190px; object-fit: cover; object-position: center; }
.service-number { position: absolute; top: 14px; left: 14px; z-index: 1; padding: 7px 9px; border-radius: 999px; color: white; background: rgba(15,27,44,.82); backdrop-filter: blur(5px); font-weight: 700; font-size: .75rem; letter-spacing: .12em; }
.service-card h3 { margin: 18px 0 17px; font-size: 1.45rem; }
.service-card p { margin: 0 0 25px; color: var(--muted); font-size: .95rem; }
.service-card a { margin-top: auto; color: var(--teal-dark); font-weight: 700; text-decoration: none; font-size: .88rem; }
.service-card .service-sub-link { margin-top: 10px; padding-top: 10px; border-top: 1px solid var(--line); }
.service-card-home { border-top: 7px solid var(--navy); }
.service-card-first-home { border-color: var(--teal); background: var(--teal); }
.service-card-first-home .service-number, .service-card-first-home h3, .service-card-first-home a { color: white; }
.service-card-first-home p { color: #e5f7f5; }
.service-card-personal { border-color: #efd99e; background: #fff3d1; }
.service-card-business { border-color: var(--navy-soft); background: var(--navy-soft); }
.service-card-business h3, .service-card-business a { color: white; }
.service-card-business p { color: #d9e3eb; }
.specialist-finance { margin-top: 30px; padding: 34px 38px; display: flex; align-items: center; justify-content: space-between; gap: 42px; border-radius: 22px; background: var(--navy); color: white; box-shadow: var(--shadow); }
.specialist-finance > div { max-width: 720px; }
.specialist-icon { width: min(31vw, 390px); height: 205px; flex: 0 0 auto; object-fit: cover; object-position: center; border-radius: 16px; }
.specialist-finance .eyebrow { margin-bottom: 11px; color: var(--gold); }
.specialist-finance h3 { margin-bottom: 12px; color: white; font-size: clamp(1.45rem, 2.4vw, 2rem); }
.specialist-finance p:last-child { margin: 0; color: #d9e3eb; }
.specialist-finance .button { flex: 0 0 auto; }

.broker-benefits { position: relative; overflow: hidden; background: #edf4f2; }
.broker-benefits::after { content: ""; position: absolute; width: 340px; height: 340px; right: -210px; bottom: -220px; border: 38px solid rgba(44,167,161,.1); border-radius: 50%; }
.broker-stat { position: relative; z-index: 1; margin: -4px 0 24px; padding: clamp(28px, 4vw, 44px); display: grid; grid-template-columns: minmax(150px, .38fr) minmax(0, 1fr); align-items: center; gap: clamp(26px, 5vw, 65px); border-radius: 24px; background: var(--navy); color: white; box-shadow: var(--shadow); }
.broker-stat > strong { color: var(--gold); font-size: clamp(3.7rem, 8vw, 7.2rem); line-height: .9; letter-spacing: -.06em; }
.broker-stat h3 { margin: 0 0 10px; color: white; font-size: clamp(1.35rem, 2.4vw, 2rem); line-height: 1.25; }
.broker-stat p { margin: 0 0 13px; color: #d9e3eb; font-size: .94rem; }
.broker-stat a { color: #77d5d0; font-size: .75rem; font-weight: 700; text-underline-offset: 3px; }
.benefit-grid { position: relative; z-index: 1; display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
.benefit-grid article { padding: 30px 32px; border-top: 4px solid var(--gold); border-radius: 18px; background: white; box-shadow: 0 12px 35px rgba(22,35,54,.06); }
.benefit-grid span { color: var(--teal-dark); font-size: .76rem; font-weight: 700; letter-spacing: .15em; }
.benefit-grid h3 { margin: 18px 0 11px; font-size: 1.22rem; }
.benefit-grid p { margin: 0; color: var(--muted); font-size: .94rem; }
.benefit-note { position: relative; z-index: 1; margin: 24px 0 0; color: var(--muted); font-size: .78rem; }

.calculators { background: white; }
.calculator-grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 18px; }
.calculator-card { grid-column: span 2; min-height: 285px; padding: 30px; display: flex; flex-direction: column; border: 1px solid var(--line); border-radius: 22px; background: var(--cream); text-decoration: none; transition: transform .2s ease, border-color .2s ease, box-shadow .2s ease; }
.calculator-card:nth-child(4) { grid-column: 2 / span 2; }
.calculator-card:hover, .calculator-card:focus-visible { transform: translateY(-5px); border-color: var(--gold); box-shadow: 0 18px 45px rgba(22,35,54,.1); }
.calculator-card span { color: var(--gold); font-size: .8rem; font-weight: 700; letter-spacing: .16em; }
.calculator-card strong { margin: 24px 0 12px; color: var(--navy); font-size: 1.2rem; }
.calculator-card small { color: var(--muted); font-size: .88rem; line-height: 1.6; }
.calculator-card b { margin-top: auto; padding-top: 24px; color: var(--teal-dark); font-size: .83rem; }

.process { background: var(--navy); }
.section-heading.light h2 { color: white; }
.section-heading.light .eyebrow { color: var(--gold); }
.process-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: rgba(255,255,255,.15); }
.process-grid article { padding: 38px; background: var(--navy); }
.process-grid span { display: grid; place-items: center; width: 44px; height: 44px; margin-bottom: 27px; border: 1px solid var(--gold); border-radius: 50%; color: var(--gold); font-weight: 700; }
.process-grid h3 { color: white; font-size: 1.2rem; }
.process-grid p { color: #c8d1dc; font-size: .93rem; }

.about { display: grid; grid-template-columns: minmax(320px, .85fr) minmax(0, 1.15fr); gap: clamp(55px, 9vw, 135px); align-items: center; }
.about-photo { max-height: 620px; overflow: hidden; border-radius: 28px 28px 140px 28px; box-shadow: var(--shadow); }
.about-photo img { width: 100%; height: 100%; min-height: 520px; object-fit: cover; object-position: center 42%; }
.about-copy { max-width: 650px; }
.about-copy p:not(.eyebrow) { color: var(--muted); font-size: 1.02rem; }
.text-link { display: inline-block; margin-top: 15px; color: var(--teal-dark); font-weight: 700; text-decoration: none; border-bottom: 2px solid var(--gold); }

.testimonials { background: white; }
.testimonial-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); align-items: start; gap: 24px; }
.testimonial-card:first-child { grid-column: 1 / -1; }
.testimonial-card { position: relative; margin: 0; padding: clamp(34px, 5vw, 58px); overflow: hidden; border-radius: 26px; background: var(--navy); color: white; box-shadow: var(--shadow); }
.testimonial-card::before { content: "“"; position: absolute; top: -30px; right: 30px; color: rgba(217,173,70,.18); font-size: 14rem; font-weight: 700; line-height: 1; }
.testimonial-card blockquote { position: relative; margin: 0; }
.testimonial-card blockquote p { margin: 0 0 18px; color: #eef4f6; font-size: clamp(1rem, 1.5vw, 1.12rem); line-height: 1.8; }
.testimonial-card blockquote p:last-child { margin-bottom: 28px; }
.testimonial-card figcaption { display: flex; align-items: baseline; gap: 10px; color: var(--gold); }
.testimonial-card figcaption strong { font-size: 1.05rem; }
.testimonial-card figcaption span { color: #afc0cc; font-size: .86rem; }
.testimonial-card-gold { border-top: 6px solid var(--gold); }
.testimonial-card-teal { border-top: 6px solid var(--teal); }
.testimonial-card-featured { grid-column: 1 / -1; }

.contact { display: grid; grid-template-columns: minmax(0, .85fr) minmax(420px, 1.15fr); gap: clamp(50px, 8vw, 120px); align-items: start; background: #edf4f2; }
.contact-copy > p:not(.eyebrow) { color: var(--muted); font-size: 1.03rem; }
.contact-links { margin-top: 36px; display: grid; gap: 13px; }
.contact-links a { padding: 17px 0; display: flex; flex-direction: column; border-bottom: 1px solid #c9d8d4; text-decoration: none; }
.contact-links span { color: var(--teal-dark); font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .15em; }
.contact-links strong { margin-top: 4px; color: var(--navy); font-size: 1rem; overflow-wrap: anywhere; }
.contact-qr { width: fit-content; margin-top: 34px; padding: 14px 18px 14px 14px; display: flex; align-items: center; gap: 16px; border: 1px solid var(--line); border-radius: 18px; background: white; box-shadow: 0 12px 30px rgba(22,35,54,.08); }
.contact-qr img { width: 160px; height: 160px; padding: 5px; border: 3px solid var(--gold); border-radius: 12px; background: white; }
.contact-qr strong, .contact-qr span, .contact-qr a { display: block; }
.contact-qr strong { color: var(--navy); font-size: .94rem; }
.contact-qr span { margin: 3px 0 8px; color: var(--muted); font-size: .78rem; }
.contact-qr a { color: var(--teal-dark); font-size: .76rem; font-weight: 700; text-underline-offset: 3px; }
.enquiry-form { padding: 38px; border-radius: 25px; background: white; box-shadow: var(--shadow); }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
label { display: grid; gap: 8px; margin-bottom: 18px; color: var(--navy); font-size: .82rem; font-weight: 700; }
input, select, textarea { width: 100%; min-height: 50px; padding: 13px 14px; border: 1px solid #bdccc8; border-radius: 10px; background: white; color: var(--ink); font: 500 1rem/1.4 Montserrat, Arial, sans-serif; }
textarea { resize: vertical; }
input:focus, select:focus, textarea:focus { outline: 3px solid rgba(44,167,161,.22); border-color: var(--teal); }
.consent { display: flex; align-items: flex-start; gap: 10px; color: var(--muted); font-weight: 500; }
.consent input { width: 19px; min-height: 19px; margin-top: 2px; }
.form-note { margin: 13px 0 0; color: var(--muted); font-size: .78rem; }

footer { display: grid; grid-template-columns: minmax(250px, 360px) 1fr; gap: 40px; align-items: center; padding: 42px clamp(28px, 8vw, 130px); background: #0f1b2c; color: #d7e0e8; }
footer img { border-radius: 12px; }
.footer-details p { margin: 3px 0; font-size: .8rem; }
.footer-details a { color: #b6eee9; text-underline-offset: 3px; }
.footer-details a:hover, .footer-details a:focus-visible { color: #fff; }
.draft-note { grid-column: 1 / -1; margin: 10px 0 0; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.12); color: #93a1af; font-size: .72rem; }

@media (max-width: 960px) {
  nav { display: none; }
  .brand { width: min(320px, 58vw); }
  .hero { grid-template-columns: 1fr; padding-top: 60px; }
  .hero-portrait { width: min(100%, 500px); }
  .service-grid, .process-grid { grid-template-columns: 1fr; }
  .broker-stat { grid-template-columns: 1fr; gap: 18px; }
  .benefit-grid { grid-template-columns: 1fr; }
  .specialist-finance { align-items: flex-start; flex-direction: column; }
  .calculator-grid { grid-template-columns: 1fr 1fr; }
  .calculator-card, .calculator-card:nth-child(4) { grid-column: auto; }
  .about, .contact, .testimonial-grid { grid-template-columns: 1fr; }
  .about-photo { max-width: 620px; }
}

@media (max-width: 620px) {
  .site-header { min-height: 70px; padding: 9px 15px; gap: 12px; }
  .brand { width: min(240px, 58vw); }
  .button-small { min-height: 38px; padding: 0 13px; font-size: .72rem; }
  .hero { min-height: auto; padding: 50px 22px 70px; gap: 55px; }
  h1 { font-size: 2.7rem; }
  .hero-actions .button { width: 100%; }
  .hero-contact-card { width: 100%; }
  .hero-contact-card { align-items: flex-start; }
  .hero-contact-card img { width: 145px; height: 145px; }
  .portrait-card { right: -4px; min-width: 220px; }
  .intro-band { flex-wrap: wrap; text-align: center; }
  .section { padding: 78px 22px; }
  .section-heading h2, .about h2, .contact h2 { font-size: 2.35rem; }
  .service-card, .process-grid article, .enquiry-form { padding: 28px 23px; }
  .service-card { min-height: 0; }
  .service-card-top { min-height: 170px; }
  .service-icon { width: 100%; height: 170px; }
  .specialist-finance { align-items: stretch; flex-direction: column; }
  .specialist-icon { width: 100%; height: 190px; }
  .field-row { grid-template-columns: 1fr; gap: 0; }
  .calculator-grid { grid-template-columns: 1fr; }
  footer { grid-template-columns: 1fr; }
  .compliance-card { align-items: flex-start; flex-direction: column; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .button { transition: none; }
}