*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy: #1e2d3d;
  --navy2: #2d3e50;
  --steel: #4a6278;
  --white: #ffffff;
  --off-white: #f4f7f9;
  --pale-blue: #deeaf1;
  --gray-200: #c9d8e3;
  --muted: #64788a;
  --body: #1e2d3d;
  --accent: #5b8fa8;
  --accent-light: #a8c4d4;
  --font: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

body { font-family: var(--font); color: var(--body); background: var(--white); line-height: 1.6; }

a { text-decoration: none; color: inherit; }

/* ACCESSIBILITY BASELINE */

/* Visible keyboard focus for every interactive element. */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible,
[tabindex]:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 2px;
  border-radius: 3px;
}

/* Skip link — first tab stop, visible only when focused. */
.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  z-index: 999;
  background: var(--navy);
  color: var(--white);
  padding: 12px 20px;
  font-size: 14px;
  font-weight: 700;
}
.skip-link:focus {
  left: 0;
}

/* Reserve layout space for the logo so its load causes no shift.
   Intrinsic size is 905×276; height is set per context, width derives from the ratio. */
.nav-logo img,
.footer-logo img,
.lp-topbar img {
  aspect-ratio: 905 / 276;
  width: auto;
}

/* Calculator panel titles. These are h2 (direct children of the page h1) so the
   heading outline does not skip a level; styling matches the previous h3 exactly. */
.calc-panel h2 {
  font-size: 15px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 12px;
  padding-bottom: 8px;
  border-bottom: 1px solid var(--gray-200);
}
.results-panel h2 {
  font-size: 15px;
  font-weight: 700;
  color: var(--accent-light);
  margin-bottom: 20px;
  padding-bottom: 12px;
  border-bottom: 1px solid rgba(168, 196, 212, 0.15);
}

/* Respect reduced-motion preferences (WCAG 2.3.3). */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}

/* NAV */
nav {
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 48px;
  height: 64px;
  position: sticky;
  top: 0;
  z-index: 100;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--white);
  font-weight: 700;
  font-size: 14px;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.nav-logo-icon {
  width: 32px;
  height: 32px;
  background: var(--accent);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 900;
  font-size: 16px;
  color: white;
}

.nav-links {
  display: flex;
  gap: 32px;
  list-style: none;
}

.nav-links a {
  color: var(--accent-light);
  font-size: 16px;
  font-weight: 500;
  transition: color 0.2s;
}

.nav-links a:hover { color: var(--white); }

.btn {
  display: inline-block;
  padding: 10px 20px;
  border-radius: 6px;
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  transition: opacity 0.2s, transform 0.1s;
  border: none;
  font-family: var(--font);
}

.btn:hover { opacity: 0.9; transform: translateY(-1px); }

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

.btn-outline {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(168,196,212,0.4);
}

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

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

/* HERO */
.hero {
  background: var(--navy2);
  padding: 80px 48px 60px;
  min-height: 520px;
}
.hero-inner {
  display: grid;
  grid-template-columns: 0.75fr 0.82fr;
  gap: 32px;
  align-items: center;
  width: 100%;
}

.hero-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--accent-light);
  margin-bottom: 20px;
}

.hero h1 {
  font-size: 48px;
  font-weight: 800;
  line-height: 1.1;
  color: var(--white);
  margin-bottom: 20px;
}

.hero h1 span { color: var(--accent-light); }

.hero p {
  color: var(--accent-light);
  font-size: 15px;
  margin-bottom: 32px;
  max-width: 400px;
}

.hero-ctas { display: flex; gap: 12px; flex-wrap: wrap; }

.hero-right {}

.stats-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 20px;
}

.stat-card {
  background: rgba(15,25,36,0.60);
  border: 1px solid rgba(168,196,212,0.15);
  border-radius: 10px;
  padding: 16px 20px;
}

.stat-label {
  font-size: 11px;
  color: var(--accent-light);
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 4px;
}

.stat-value {
  font-size: 22px;
  font-weight: 800;
  color: var(--white);
}

.stat-sub {
  font-size: 12px;
  color: rgba(255,255,255,0.95);
  margin-top: 2px;
}

.loan-chips-label {
  font-size: 11px;
  color: rgba(255,255,255,0.9);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 10px;
  font-weight: 600;
}

.loan-chips { display: flex; gap: 8px; flex-wrap: wrap; }

.chip {
  background: rgba(91,143,168,0.25);
  border: 1px solid rgba(168,196,212,0.5);
  border-radius: 20px;
  padding: 6px 14px;
  font-size: 12px;
  font-weight: 600;
  color: #ffffff;
}

/* TRUST BAR */
.trust-bar {
  background: var(--navy);
  padding: 16px 48px;
  display: flex;
  gap: 32px;
  flex-wrap: wrap;
  border-top: 1px solid rgba(168,196,212,0.1);
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: rgba(255,255,255,0.9);
  font-weight: 500;
}

.trust-item::before {
  content: '✓';
  color: var(--accent-light);
  font-weight: 700;
}

/* SECTIONS */
.section { padding: 80px 48px; }
.section-dark { background: var(--navy2); }
.section-pale { background: var(--pale-blue); }
.section-offwhite { background: var(--off-white); }

.section-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 12px;
}

.section-label-light { color: var(--accent-light); }

.section h2 {
  font-size: 36px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 16px;
  line-height: 1.2;
}

.section-dark h2 { color: var(--white); }

.section-sub {
  font-size: 15px;
  color: var(--muted);
  max-width: 560px;
  margin-bottom: 48px;
}

.section-dark .section-sub { color: var(--accent-light); }

/* CARDS GRID */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 20px;
}
.cards-4col { grid-template-columns: repeat(4, 1fr); }

.card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 12px;
  padding: 28px 24px;
}

.card-dark {
  background: rgba(15,25,36,0.60);
  border: 1px solid rgba(168,196,212,0.15);
}

.card-icon {
  width: 48px;
  height: 48px;
  background: var(--pale-blue);
  border-radius: 10px;
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  color: var(--steel);
}

.card-dark .card-icon {
  background: rgba(91,143,168,0.45);
  color: #ffffff;
}
.card-dark .card-icon svg,
.card-dark .card-icon svg * { stroke: #ffffff !important; }
.card .card-icon svg,
.card .card-icon svg * { stroke: var(--steel) !important; }

.card h3 {
  font-size: 15px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
}

.card-dark h3 { color: var(--white); }

.card p {
  font-size: 13px;
  color: var(--muted);
  line-height: 1.6;
}

.card-dark p { color: rgba(255,255,255,0.9); }

/* LOAN PRODUCT CARDS */
.loan-card {
  background: rgba(15,25,36,0.60);
  border: 1px solid rgba(168,196,212,0.15);
  border-radius: 12px;
  padding: 28px 24px;
}

.loan-card h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 8px;
}

.loan-card .loan-desc {
  font-size: 13px;
  color: rgba(255,255,255,0.8);
  margin-bottom: 20px;
  line-height: 1.6;
}

.loan-specs { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 16px; }

.loan-spec-label {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
  margin-bottom: 2px;
}

.loan-spec-value {
  font-size: 15px;
  font-weight: 700;
  color: var(--white);
}

.loan-features { list-style: none; display: flex; flex-direction: column; gap: 6px; }

.loan-features li {
  font-size: 12px;
  color: var(--accent-light);
  display: flex;
  align-items: center;
  gap: 8px;
}

.loan-features li::before {
  content: '✓';
  color: var(--accent-light);
  font-weight: 700;
  font-size: 11px;
}

/* HOW IT WORKS */
.section-howitworks {
  background: var(--white);
  padding: 48px 48px;
}
.section-howitworks h2 { color: var(--navy); }
.section-howitworks .section-sub { color: var(--muted); }
.section-howitworks .step-num { background: var(--accent); }
.section-howitworks .step h3 { color: var(--navy); }
.section-howitworks .step p { color: var(--muted); }

.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 32px;
}

.step { text-align: center; }

.step-num {
  width: 52px;
  height: 52px;
  background: var(--accent);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  font-weight: 800;
  color: white;
  margin: 0 auto 20px;
}

.step h3 {
  font-size: 16px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}

.step p {
  font-size: 15px;
  color: var(--muted);
  line-height: 1.6;
}

/* OUR APPROACH */
.approach-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}

.approach-left h2 { font-size: 32px; font-weight: 800; color: var(--navy); margin-bottom: 16px; }

.approach-left p { font-size: 14px; color: var(--muted); line-height: 1.7; }

.approach-features { display: flex; flex-direction: column; gap: 24px; }

.approach-feature {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.approach-feature-icon {
  width: 20px;
  height: 20px;
  background: var(--pale-blue);
  border: 1px solid var(--gray-200);
  border-radius: 4px;
  margin-top: 2px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 10px;
  color: var(--accent);
}

.approach-feature h3 {
  font-size: 14px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 4px;
}

.approach-feature p { font-size: 13px; color: var(--muted); line-height: 1.6; }

/* FORM SECTION */
.form-section {
  background: var(--navy2);
  padding: 80px 48px;
}

.form-section .section-label { color: var(--accent-light); }
.form-section h2 { color: var(--white); font-size: 36px; font-weight: 800; margin-bottom: 8px; }
.form-section .form-sub { color: var(--accent-light); font-size: 14px; margin-bottom: 40px; }

.deal-form {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 16px;
  max-width: 900px;
}

.form-group { display: flex; flex-direction: column; gap: 6px; }

.form-group label {
  font-size: 12px;
  font-weight: 600;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.form-group input,
.form-group select {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(168,196,212,0.2);
  border-radius: 6px;
  padding: 10px 14px;
  font-size: 14px;
  color: var(--white);
  font-family: var(--font);
  outline: none;
  transition: border-color 0.2s;
}

.form-group input::placeholder { color: var(--muted); }
.form-group select option { background: var(--navy2); color: var(--white); }

.form-group input:focus,
.form-group select:focus { border-color: var(--accent); }

.form-group input:focus-visible,
.form-group select:focus-visible {
  outline: 2px solid var(--accent-light);
  outline-offset: 1px;
}

.form-submit-row {
  grid-column: 1 / -1;
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}

.form-note {
  font-size: 12px;
  color: rgba(255,255,255,0.75);
  line-height: 1.5;
  max-width: 500px;
}

/* BACKGROUND IMAGE SECTIONS */
.bg-img {
  position: relative;
  overflow: hidden;
}
.bg-img::before {
  content: '';
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  opacity: 0.18;
  z-index: 0;
  pointer-events: none;
}
.bg-img > * { position: relative; z-index: 1; }

/* Self-hosted decorative backgrounds (WebP). Sourced from Unsplash under the
   Unsplash License; served locally so no visitor request leaves this origin. */
.bg-hero::before {
  background-image: url('../img/bg-hero.webp');
}
.bg-loans::before {
  background-image: url('../img/bg-loans.webp');
  opacity: 0.18;
}
.bg-howitworks::before {
  background-image: url('../img/bg-howitworks.webp');
}
.bg-cta::before {
  background-image: url('../img/bg-cta.webp');
}
.bg-dscr::before {
  background-image: url('../img/bg-dscr.webp');
}
.bg-bridge::before {
  background-image: url('../img/bg-bridge.webp');
}
.bg-about-story::before {
  background-image: url('../img/bg-about-story.webp');
}
.bg-about-dark::before {
  background-image: url('../img/bg-about-dark.webp');
  opacity: 0.12;
}

/* PHOTO STRIP */
.photo-strip {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  height: 260px;
}
.photo-strip-item {
  position: relative;
  overflow: hidden;
}
.photo-strip-item img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.4s ease;
}
.photo-strip-item:hover img { transform: scale(1.05); }
.photo-strip-label {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  padding: 10px 14px;
  background: linear-gradient(to top, rgba(30,45,61,0.85), transparent);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--white);
}

/* SPLIT SECTION */
.split-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-height: 480px;
}
.split-photo {
  overflow: hidden;
}
.split-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.5s ease;
}
.split-photo:hover img { transform: scale(1.03); }
.split-content {
  background: var(--off-white);
  padding: 64px 56px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.split-content h2 {
  font-size: clamp(22px, 2.5vw, 32px);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 16px;
  line-height: 1.2;
}
.split-content p {
  font-size: 15px;
  color: var(--muted);
  line-height: 1.7;
  margin-bottom: 24px;
}
.split-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 24px;
}
.split-list li {
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
  padding-left: 20px;
  position: relative;
}
.split-list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--accent);
}

@media (max-width: 768px) {
  .photo-strip { grid-template-columns: 1fr 1fr; height: 320px; }
  .split-section { grid-template-columns: 1fr; }
  .split-photo { height: 280px; }
  .split-content { padding: 40px 24px; }
}

/* FOOTER */
footer {
  background: var(--navy);
  padding: 32px 48px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  border-top: 1px solid rgba(168,196,212,0.08);
}

.footer-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--white);
  font-weight: 700;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

footer p { font-size: 12px; color: var(--muted); }

/* PAGE HEADER */
.page-header {
  background: var(--navy2);
  padding: 60px 48px;
}

.page-header h1 { font-size: 40px; font-weight: 800; color: var(--white); margin-bottom: 12px; }
.page-header p { font-size: 15px; color: var(--accent-light); max-width: 520px; }

/* CALCULATOR */
.calc-container {
  max-width: 560px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 16px;
  padding: 40px;
  box-shadow: 0 4px 24px rgba(30,45,61,0.08);
}

.calc-group { margin-bottom: 24px; }

.calc-group label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 8px;
}

.calc-group input {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--gray-200);
  border-radius: 8px;
  font-size: 15px;
  font-family: var(--font);
  color: var(--navy);
  outline: none;
  transition: border-color 0.2s;
}

.calc-group input:focus { border-color: var(--accent); }

.calc-group input:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 1px;
}

.calc-result {
  background: var(--navy2);
  border-radius: 10px;
  padding: 24px;
  margin-top: 8px;
  text-align: center;
}

.calc-result-label { font-size: 12px; color: var(--accent-light); font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; margin-bottom: 8px; }

.calc-result-value { font-size: 40px; font-weight: 800; color: var(--white); }

.calc-result-sub { font-size: 13px; color: var(--muted); margin-top: 6px; }

/* HAMBURGER */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
  background: none;
  border: none;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all 0.3s;
}
.mobile-menu {
  display: none;
  flex-direction: column;
  background: var(--navy2);
  padding: 16px 20px 24px;
  gap: 16px;
  border-top: 1px solid rgba(168,196,212,0.1);
}
.mobile-menu a {
  color: var(--accent-light);
  font-size: 16px;
  font-weight: 500;
  padding: 8px 0;
  border-bottom: 1px solid rgba(168,196,212,0.08);
}
.mobile-menu a:last-child { border-bottom: none; }
.mobile-menu .btn-primary {
  background: var(--accent);
  color: var(--white);
  border-radius: 6px;
  padding: 12px 20px;
  font-weight: 700;
  text-align: center;
  margin-top: 4px;
}
.mobile-menu.open { display: flex; }

/* RESPONSIVE */
@media (max-width: 768px) {

  /* ─── NAV ─── */
  nav { padding: 0 18px; height: 60px; }
  .nav-logo img { height: 52px !important; }
  .nav-links { display: none; }
  .nav-cta { display: none; }
  .hamburger { display: flex; }
  .mobile-menu { padding: 20px 18px 28px; }

  /* ─── HERO ─── */
  .hero { padding: 36px 18px 32px; min-height: unset; }
  .hero-inner { grid-template-columns: 1fr; gap: 28px; }
  .hero-label { font-size: 11px; margin-bottom: 10px; }
  .hero h1 { font-size: 30px; line-height: 1.12; margin-bottom: 12px; }
  .hero p { font-size: 14px; max-width: 100%; margin-bottom: 20px; }
  .hero-ctas { flex-direction: column; gap: 10px; }
  .hero-ctas .btn { text-align: center; padding: 13px 20px; font-size: 15px; }

  /* Stats 2×2 grid */
  .stats-grid { grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 18px; }
  .stat-card { padding: 14px 16px; border-radius: 10px; }
  .stat-value { font-size: 20px; }
  .stat-sub { font-size: 11px; line-height: 1.4; }

  /* Loan chips */
  .loan-chips-label { font-size: 11px; margin-bottom: 8px; }
  .loan-chips { gap: 6px; flex-wrap: wrap; }
  .chip { font-size: 12px; padding: 6px 12px; }

  /* ─── TRUST BAR ─── */
  .trust-bar {
    padding: 12px 18px;
    gap: 6px 16px;
    flex-wrap: wrap;
    flex-direction: row;
    justify-content: flex-start;
  }
  .trust-item { font-size: 12px; }

  /* ─── SECTIONS ─── */
  .section { padding: 40px 18px; }
  .section-howitworks { padding: 36px 18px; }
  .section-dark { padding: 40px 18px; }
  .section h2 { font-size: 26px; line-height: 1.2; margin-bottom: 10px; }
  .section-label { font-size: 11px; margin-bottom: 8px; }
  .section-sub { font-size: 14px; line-height: 1.6; margin-bottom: 24px; max-width: 100%; }

  /* ─── FEATURE CARDS (Why Kinship / About / What We Do) ─── */
  .cards-grid { grid-template-columns: 1fr 1fr; gap: 12px; }
  /* Override 4-column grids */
  .cards-4col { grid-template-columns: 1fr 1fr; }
  .card { padding: 20px 16px; border-radius: 12px; }
  .card-icon { width: 40px; height: 40px; margin-bottom: 12px; }
  .card-icon svg { width: 20px; height: 20px; }
  .card h3 { font-size: 13px; margin-bottom: 6px; }
  .card p { font-size: 12px; line-height: 1.55; }

  /* ─── LOAN CARDS (homepage dark section) ─── */
  .loan-card { padding: 22px 18px; border-radius: 12px; }
  .loan-card h3 { font-size: 17px; margin-bottom: 6px; }
  .loan-desc { font-size: 13px; margin-bottom: 16px; line-height: 1.55; }
  .loan-specs { grid-template-columns: 1fr 1fr; gap: 12px 16px; margin-bottom: 14px; }
  .loan-spec-label { font-size: 10px; }
  .loan-spec-value { font-size: 15px; }
  .loan-features li { font-size: 12px; }

  /* ─── HOW IT WORKS ─── */
  .steps-grid { grid-template-columns: 1fr; gap: 28px; max-width: 400px; margin: 0 auto; }
  .step { display: flex; align-items: flex-start; gap: 16px; text-align: left; }
  .step-num { width: 44px; height: 44px; font-size: 18px; flex-shrink: 0; margin: 0; }
  .step h3 { font-size: 15px; margin-bottom: 6px; }
  .step p { font-size: 13px; line-height: 1.6; }

  /* ─── OUR APPROACH ─── */
  .approach-grid { grid-template-columns: 1fr; gap: 32px; }
  .approach-left h2 { font-size: 26px; }
  .approach-left p { font-size: 14px; }
  .approach-features { gap: 20px; }
  .approach-feature h3 { font-size: 14px; }
  .approach-feature p { font-size: 13px; }

  /* ─── PAGE HEADER ─── */
  .page-header { padding: 44px 20px 40px; }
  .page-header h1 { font-size: 30px; line-height: 1.15; margin-bottom: 10px; }
  .page-header p { font-size: 14px; max-width: 100%; }

  /* ─── CTA / FORM SECTIONS ─── */
  .form-section { padding: 56px 20px; text-align: center; }
  .form-section h2 { font-size: 28px; }
  .form-section .form-sub { font-size: 14px; margin-bottom: 28px; }
  .form-section .btn { display: inline-block; font-size: 15px; padding: 14px 28px; }
  .deal-form { grid-template-columns: 1fr; }
  .form-note { text-align: center; }

  /* ─── CALCULATOR HUB ─── */
  .calc-hub-grid { grid-template-columns: 1fr !important; gap: 16px; }
  .calc-hub-card { padding: 26px 22px; }
  .calc-hub-card h2 { font-size: 18px; }
  .calc-hub-features li { font-size: 13px; }

  /* ─── INDIVIDUAL CALCULATOR PAGES ─── */
  .calc-layout { grid-template-columns: 1fr !important; gap: 24px; }
  .calc-container { padding: 24px 16px; }

  /* ─── DISCLAIMER / PRIVACY BLOCKS ─── */
  div[style*="padding:0 48px"] { padding: 0 20px 40px !important; }

  /* ─── FOOTER ─── */
  footer {
    flex-direction: column;
    gap: 16px;
    text-align: center;
    padding: 28px 20px;
  }
  footer div { text-align: center !important; }
  .footer-logo { justify-content: center; }
  .footer-logo img { height: 56px !important; }
}