/* ============================================================================
   Mortgage Wise — "Redline" design system
   Palette copied token-for-token from xtoys/public/css/app.css :root.
   Hand-written CSS, no build step. Keep it that way.
   ========================================================================== */

/* Xtoys.UK palette — copied from xtoys/public/css/app.css :root */
:root{
  --bg:#ffffff; --alt:#f5f7fa; --line:#e2e7ee; --text:#101418; --muted:#646d7a;
  --red:#d5121a; --red-d:#a80c10; --navy:#0a2e4d; --blue:#2b98d0; --cyan:#8fddf3;
  --red-soft:#f2c0c2; --green:#07713b; --amber:#f5a623;
  --navy-d:#082439; /* footer, one step darker than --navy */
  --r:8px;
  --glow:0 8px 20px -8px rgba(213,18,26,.75);
  --lift:0 14px 34px -18px rgba(10,46,77,.5);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--text);line-height:1.6;
  font-family:'Archivo',system-ui,-apple-system,"Segoe UI",sans-serif;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
h1,h2,h3,h4{margin:0;font-weight:800;letter-spacing:-.035em;line-height:1.05}
.wrap{width:min(1240px,calc(100% - 40px));margin-inline:auto}
.kick{display:inline-block;font-size:.72rem;font-weight:800;letter-spacing:.18em;text-transform:uppercase;color:var(--red)}
.kick--on-navy{color:var(--cyan)}
.lede{font-size:1.06rem;color:var(--muted)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font-family:inherit;font-weight:800;font-size:.9rem;
  letter-spacing:-.01em;padding:.85rem 1.6rem;border-radius:var(--r);border:2px solid transparent;cursor:pointer;transition:.16s}
.btn--red{background:var(--red);color:#fff;box-shadow:var(--glow)}
.btn--red:hover{background:var(--red-d);transform:translateY(-1px)}
.btn--navy{background:var(--navy);color:#fff}.btn--navy:hover{background:#072238}
.btn--out{border-color:var(--line);color:var(--navy);background:#fff}.btn--out:hover{border-color:var(--red);color:var(--red)}
.btn--wht{background:#fff;color:var(--red)}.btn--wht:hover{background:var(--alt)}
.btn--sm{padding:.5rem 1rem;font-size:.8rem}
.btn--lg{padding:1.05rem 2.1rem;font-size:1rem}

/* marker highlight */
.mark{position:relative;display:inline-block;z-index:1;color:#fff}
.mark::before{content:'';position:absolute;inset:-.06em -.3em;background:var(--red);transform:skewX(-9deg);z-index:-1;border-radius:3px}

.demo{background:var(--red-d);color:#ffe3e4;font-size:.78rem;text-align:center;padding:.55rem 1rem;font-weight:700}
.demo b{color:#fff}

.util{background:var(--navy);color:#a9c3d8;font-size:.78rem;font-weight:500}
.util .wrap{display:flex;justify-content:space-between;align-items:center;gap:1rem;min-height:38px;flex-wrap:wrap}
.util b{color:#fff}
.util a:hover{color:var(--cyan)}
.dot{display:inline-block;width:7px;height:7px;border-radius:99px;background:var(--red);margin-right:.45rem;vertical-align:middle}

header{background:#fff;border-bottom:2px solid var(--navy);position:sticky;top:0;z-index:80}
.bar{display:flex;align-items:center;gap:1.4rem;min-height:74px}
.logo{display:flex;align-items:center;gap:.65rem;flex-shrink:0}
.logo__mark{width:42px;height:42px;border-radius:var(--r);background:var(--red);display:grid;place-items:center;color:#fff;
  font-weight:900;font-size:.9rem;letter-spacing:-.04em;box-shadow:var(--glow)}
.logo__txt{font-weight:900;font-size:1.22rem;letter-spacing:-.05em;line-height:1.1;color:var(--navy)}
.logo__txt small{display:block;font-size:.62rem;font-weight:600;letter-spacing:.04em;color:var(--muted)}
nav.main{display:flex;gap:.1rem;margin-left:auto;align-items:center}
.navitem{position:relative}
.navlink{display:flex;align-items:center;gap:.3rem;font-size:.9rem;font-weight:700;padding:.55rem .8rem;border-radius:var(--r);
  color:var(--navy);cursor:pointer;white-space:nowrap}
.navlink:hover{background:var(--alt);color:var(--red)}
.navlink svg{width:10px;height:10px;opacity:.55}
.mega{position:absolute;top:calc(100% + 16px);left:50%;transform:translateX(-50%) translateY(8px);background:#fff;
  border:1px solid var(--line);border-top:4px solid var(--red);border-radius:var(--r);box-shadow:0 30px 70px rgba(10,46,77,.28);
  padding:26px;width:max-content;max-width:min(930px,92vw);opacity:0;visibility:hidden;transition:.16s}
.navitem:hover .mega{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.mega__grid{display:grid;grid-template-columns:repeat(3,minmax(190px,1fr));gap:22px 32px}
.mega h5{font-size:.68rem;font-weight:900;letter-spacing:.14em;text-transform:uppercase;color:var(--red);margin:0 0 .6rem;
  padding-bottom:.45rem;border-bottom:2px solid var(--line)}
.mega ul{list-style:none;margin:0;padding:0}
.mega li a{display:flex;justify-content:space-between;gap:.7rem;font-size:.875rem;font-weight:500;color:var(--text);
  padding:.28rem .45rem;margin-left:-.45rem;border-radius:5px}
.mega li a:hover{color:var(--red);background:var(--alt)}
.mega li i{font-style:normal;font-size:.74rem;font-weight:600;color:var(--muted)}
.mega__foot{margin-top:20px;padding:14px 16px;background:var(--alt);border-radius:var(--r);display:flex;justify-content:space-between;
  align-items:center;gap:1rem;font-size:.82rem;color:var(--muted);font-weight:500}
.burger{display:none;margin-left:auto;background:var(--navy);border:0;color:#fff;border-radius:var(--r);padding:.55rem .8rem;cursor:pointer;font-size:1rem}

/* HERO */
.hero{background:var(--navy);color:#fff;padding:72px 0 0;position:relative;overflow:hidden}
.hero::after{content:'';position:absolute;top:-120px;right:-160px;width:620px;height:620px;background:var(--red);
  opacity:.16;transform:rotate(28deg);border-radius:90px}
.hero__grid{display:grid;grid-template-columns:1.08fr .92fr;gap:54px;align-items:start;position:relative;z-index:2}
.hero h1{font-size:clamp(2.6rem,5.6vw,4.5rem);font-weight:900;margin:1rem 0 1.3rem;letter-spacing:-.05em}
.hero p.lede{color:#b9d0e2;font-size:1.14rem;max-width:46ch}
.ticks{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:1.9rem}
.tick{display:inline-flex;align-items:center;gap:.45rem;font-size:.85rem;font-weight:700;color:#fff;
  background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);padding:.45rem 1rem;border-radius:99px}
.tick b{color:var(--cyan)}

/* search card */
.card{background:#fff;border-radius:var(--r);box-shadow:0 30px 60px -20px rgba(0,0,0,.5);overflow:hidden;color:var(--text)}
.card__head{background:var(--red);color:#fff;padding:11px 20px;display:flex;justify-content:space-between;align-items:center}
.card__head h3{font-size:1.1rem;font-weight:900;letter-spacing:-.03em}
.card__head span{font-size:.7rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;opacity:.85}
.seg{display:flex;background:var(--alt);border-bottom:1px solid var(--line)}
.seg button{flex:1;background:none;border:0;border-bottom:3px solid transparent;padding:.8rem .3rem;font-family:inherit;
  font-size:.78rem;font-weight:800;color:var(--muted);cursor:pointer;letter-spacing:-.01em}
.seg button.on{color:var(--red);border-bottom-color:var(--red);background:#fff}
.card__body{padding:14px 20px}
.fld{margin-bottom:11px}
.fld label{display:block;font-size:.7rem;font-weight:900;letter-spacing:.11em;text-transform:uppercase;color:var(--muted);margin-bottom:.35rem}
.fld input,.fld select{width:100%;font-family:inherit;font-size:1rem;font-weight:700;padding:.75rem .85rem;border:2px solid var(--line);
  border-radius:var(--r);background:#fff;color:var(--text)}
.fld input:focus,.fld select:focus{outline:none;border-color:var(--red)}
.fld--row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.meter{display:flex;justify-content:space-between;background:var(--navy);color:#fff;border-radius:var(--r);
  padding:.7rem .9rem;font-size:.85rem;font-weight:700;margin-bottom:15px}
.meter b{color:var(--cyan)}
.note{font-size:.74rem;color:var(--muted);text-align:center;margin:.9rem 0 0;font-weight:500}

/* RED STAT BAND */
.band{background:var(--red);color:#fff;padding:30px 0;position:relative;z-index:3}
.band .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.band div{border-left:3px solid rgba(255,255,255,.35);padding-left:16px}
.band b{display:block;font-size:2.5rem;font-weight:900;letter-spacing:-.05em;line-height:1}
.band span{font-size:.78rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;opacity:.9}

/* lender strip */
.strip{background:var(--alt);border-bottom:1px solid var(--line);padding:22px 0}
.strip .wrap{display:flex;align-items:center;justify-content:center;gap:14px 30px;flex-wrap:wrap}
.strip p{margin:0;font-size:.72rem;font-weight:900;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.strip ul{display:flex;gap:28px;list-style:none;margin:0;padding:0;flex-wrap:wrap;justify-content:center}
.strip li{font-size:1rem;font-weight:800;color:var(--navy);opacity:.55;letter-spacing:-.03em}

section{padding:50px 0}
.alt{background:var(--alt);border-block:1px solid var(--line)}
.sec__head{max-width:62ch;margin-bottom:24px}
.sec__head h2{font-size:clamp(1.9rem,3.6vw,2.9rem);font-weight:900;margin:.7rem 0 .7rem;letter-spacing:-.045em}
.rule{width:64px;height:5px;background:var(--red);border-radius:99px;margin-bottom:1.1rem}

/* tabs */
.tabs{display:flex;gap:6px;margin-bottom:22px;overflow-x:auto;padding-bottom:2px}
.tabs button{background:#fff;border:2px solid var(--line);padding:.6rem 1.3rem;font-family:inherit;font-size:.87rem;font-weight:800;
  color:var(--navy);cursor:pointer;border-radius:99px;white-space:nowrap;transition:.15s}
.tabs button:hover{border-color:var(--red-soft)}
.tabs button.on{background:var(--red);border-color:var(--red);color:#fff;box-shadow:var(--glow)}
.pane[hidden]{display:none}
/* On phones the 4 category tabs become a 2x2 grid instead of a stretched,
   overflowing scroll row. */
@media(max-width:560px){
  .tabs{display:grid;grid-template-columns:1fr 1fr;gap:8px;overflow:visible;padding-bottom:0}
  .tabs button{width:100%;padding:.7rem .4rem;font-size:.82rem;text-align:center}
}

/* table */
.tblcard{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;box-shadow:var(--lift)}
.tblwrap{overflow-x:auto}
table{width:100%;border-collapse:collapse;font-size:.88rem;min-width:940px}
thead th{background:var(--navy);color:#fff;text-align:left;font-size:.68rem;font-weight:900;letter-spacing:.1em;text-transform:uppercase;
  padding:.85rem 1rem;white-space:nowrap}
thead th.num,td.num{text-align:right}
tbody td{padding:.9rem 1rem;border-bottom:1px solid var(--line);vertical-align:middle}
tbody tr:hover{background:var(--alt)}
tbody tr.top{background:#fff6f6;border-left:4px solid var(--red)}
tbody tr.top:hover{background:#ffeceb}
.ld{font-weight:800;letter-spacing:-.025em;white-space:nowrap;color:var(--navy)}
.ld small{display:block;font-weight:600;font-size:.75rem;color:var(--muted);letter-spacing:0;white-space:normal}
.rate{font-size:1.5rem;font-weight:900;color:var(--red);letter-spacing:-.05em;line-height:1}
.rate small{display:block;font-size:.64rem;font-weight:800;color:var(--muted);text-transform:uppercase;letter-spacing:.08em;margin-top:.22rem}
.sec-n{font-weight:700;color:var(--navy)}
.tag{display:inline-block;font-size:.68rem;font-weight:800;letter-spacing:.04em;padding:.22rem .6rem;border-radius:99px;
  background:var(--alt);color:var(--muted);border:1px solid var(--line);white-space:nowrap}
.tag--b{background:#e9f5ee;color:var(--green);border-color:#c5e3d2}
.tag--d{background:#fdf1dd;color:#8a5a06;border-color:#f3ddb5}
.tag--r{background:#fdeaea;color:var(--red-d);border-color:var(--red-soft)}
.tblfoot{padding:14px 18px;background:var(--alt);border-top:1px solid var(--line);display:flex;justify-content:space-between;
  gap:1rem;flex-wrap:wrap;font-size:.82rem;font-weight:600;color:var(--muted)}
.tblfoot a{color:var(--red);font-weight:800}

/* rep */
.rep{background:#fff;border:1px solid var(--line);border-left:5px solid var(--navy);border-radius:var(--r);padding:22px 26px;margin-top:24px}
.rep h4{font-size:.72rem;font-weight:900;letter-spacing:.13em;text-transform:uppercase;color:var(--navy);margin-bottom:.6rem}
.rep p{font-size:.86rem;color:var(--muted);margin:0 0 .65rem;line-height:1.65}
.rep b{color:var(--text)}
.warn{background:var(--red);color:#fff;border-radius:var(--r);padding:.95rem 1.2rem;font-size:.9rem;font-weight:800;margin-top:16px;
  box-shadow:var(--glow)}

/* types */
.tgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.tcard{background:#fff;border:1px solid var(--line);border-top:5px solid var(--red);border-radius:var(--r);padding:20px;transition:.18s;
  display:flex;flex-direction:column}
.tcard:hover{transform:translateY(-4px);box-shadow:var(--lift)}
.tcard .ic{font-size:1.9rem;line-height:1;margin-bottom:.7rem}
.tcard h3{font-size:1.24rem;font-weight:900;letter-spacing:-.035em}
.tcard .n{display:block;font-size:.7rem;font-weight:800;letter-spacing:.09em;text-transform:uppercase;color:var(--red);margin:.3rem 0 1rem}
.tcard ul{list-style:none;margin:0 0 1.1rem;padding:0}
.tcard li a{display:flex;justify-content:space-between;gap:.6rem;font-size:.86rem;font-weight:600;color:var(--text);
  padding:.36rem 0;border-bottom:1px solid var(--line)}
.tcard li a:hover{color:var(--red)}
.tcard li i{font-style:normal;font-size:.75rem;font-weight:700;color:var(--muted)}
.tcard .reg{margin-top:auto;font-size:.73rem;color:var(--muted);background:var(--alt);border-radius:6px;padding:.6rem .75rem;font-weight:500}

/* calc */
.calc{display:grid;grid-template-columns:1fr 1fr;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;
  box-shadow:var(--lift)}
.calc__in{padding:32px}
.calc__in .f{margin-bottom:18px}
.calc__in .f label{display:flex;justify-content:space-between;font-size:.8rem;font-weight:800;margin-bottom:.4rem;color:var(--navy)}
.calc__in .f label b{color:var(--red);font-weight:900}
.calc__in select{width:100%;font-family:inherit;font-size:.92rem;font-weight:700;padding:.6rem .75rem;border:2px solid var(--line);
  border-radius:var(--r);background:#fff}
.calc__out{background:var(--navy);color:#fff;padding:32px;display:flex;flex-direction:column;justify-content:center}
.big{font-size:3.6rem;font-weight:900;letter-spacing:-.055em;line-height:1;margin:.5rem 0 .25rem;color:#fff}
.calc__out .sub{color:#a9c3d8;font-size:.88rem;margin-bottom:1.5rem;font-weight:500}
.crows div{display:flex;justify-content:space-between;padding:.6rem 0;border-top:1px solid rgba(255,255,255,.16);font-size:.88rem}
.crows span{color:#a9c3d8}
.crows b{font-weight:800;color:var(--cyan)}
input[type=range]{width:100%;accent-color:var(--red);height:6px}

/* lenders */
.lgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.lcard{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px;transition:.18s}
.lcard:hover{box-shadow:var(--lift);border-color:var(--red-soft)}
.lcard h4{font-size:1.04rem;font-weight:900;letter-spacing:-.03em;color:var(--navy)}
.lcard .c{display:block;font-size:.72rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--red);margin:.2rem 0 .9rem}
.lcard ul{list-style:none;margin:0;padding:0}
.lcard li{display:flex;justify-content:space-between;font-size:.85rem;font-weight:600;color:var(--text);padding:.3rem 0;border-bottom:1px solid var(--line)}
.lcard li:last-child{border-bottom:0}
.lcard li i{font-style:normal;font-size:.74rem;font-weight:700;color:var(--muted)}

/* steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;position:relative;overflow:hidden}
.step b{display:block;font-size:3.6rem;font-weight:900;color:var(--red-soft);line-height:.85;letter-spacing:-.06em;margin-bottom:.6rem}
.step h4{font-size:1.16rem;font-weight:900;letter-spacing:-.035em;margin-bottom:.45rem;color:var(--navy)}
.step p{font-size:.91rem;color:var(--muted);margin:0}

/* guides */
.guides{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.guide{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column;transition:.18s}
.guide:hover{box-shadow:var(--lift)}
.guide__t{height:8px;background:var(--red)}
.guide__b{padding:20px;display:flex;flex-direction:column;flex:1}
.guide .k{font-size:.68rem;font-weight:900;letter-spacing:.12em;text-transform:uppercase;color:var(--red);margin-bottom:.6rem}
.guide h4{font-size:1.16rem;font-weight:900;letter-spacing:-.035em;margin-bottom:.5rem;color:var(--navy)}
.guide p{font-size:.89rem;color:var(--muted);margin:0 0 1rem}
.guide .m{margin-top:auto;font-size:.76rem;font-weight:700;color:var(--muted);border-top:1px solid var(--line);padding-top:.7rem}

/* faq */
.faq{max-width:880px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--r);margin-bottom:9px}
.faq details[open]{border-color:var(--red-soft)}
.faq summary{padding:1rem 1.3rem;font-weight:800;font-size:.95rem;cursor:pointer;list-style:none;display:flex;justify-content:space-between;
  gap:1rem;color:var(--navy);letter-spacing:-.02em}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:'+';color:var(--red);font-size:1.4rem;line-height:1;font-weight:900}
.faq details[open] summary::after{content:'–'}
.faq p{margin:0;padding:0 1.3rem 1.1rem;font-size:.9rem;color:var(--muted)}

.cta{background:var(--navy);color:#fff;border-radius:var(--r);padding:60px 44px;text-align:center;position:relative;overflow:hidden}
.cta::before{content:'';position:absolute;bottom:-180px;left:-120px;width:460px;height:460px;background:var(--red);opacity:.18;
  transform:rotate(24deg);border-radius:80px}
.cta>*{position:relative;z-index:2}
.cta h2{font-size:clamp(1.9rem,3.6vw,2.8rem);font-weight:900;letter-spacing:-.045em;margin-bottom:.8rem}
.cta p{color:#b9d0e2;max-width:56ch;margin:0 auto 2rem}

footer{background:var(--navy-d);color:#8ba7bd;font-size:.86rem;padding:60px 0 28px;margin-top:80px}
.f__grid{display:grid;grid-template-columns:1.6fr repeat(4,1fr);gap:34px;padding-bottom:34px;border-bottom:1px solid rgba(255,255,255,.1)}
footer h5{font-size:.68rem;font-weight:900;letter-spacing:.14em;text-transform:uppercase;color:#fff;margin:0 0 .9rem}
footer ul{list-style:none;margin:0;padding:0}
footer li a{display:block;padding:.22rem 0;font-size:.85rem}
footer li a:hover{color:var(--cyan)}
.f__legal{padding-top:26px;font-size:.78rem;line-height:1.78;color:#7794ab}
.f__legal p{margin:0 0 .85rem}
.f__legal strong{color:#b9d0e2}
.slot{background:rgba(213,18,26,.18);border:1px dashed var(--red);color:#ffb3b6;padding:.05rem .4rem;border-radius:3px;font-size:.95em}
@media(max-width:1100px){nav.main{display:none}.burger{display:block}}
@media(max-width:1040px){
  .hero__grid,.calc{grid-template-columns:1fr}
  .tgrid,.lgrid{grid-template-columns:repeat(2,1fr)}
  .band .wrap{grid-template-columns:repeat(2,1fr)}
  .f__grid{grid-template-columns:1fr 1fr 1fr}
}
@media(max-width:780px){
  section{padding:50px 0}
  .tgrid,.lgrid,.steps,.guides{grid-template-columns:1fr}
  .band .wrap{grid-template-columns:1fr 1fr}
  .f__grid{grid-template-columns:1fr 1fr}
  .cta{padding:44px 24px}
}

/* ============================================================================
   Lead wizard
   ========================================================================== */
.wiz{position:relative}
.wizbar{height:4px;background:var(--line);overflow:hidden}
.wizbar i{display:block;height:100%;background:var(--red);transition:width .25s ease}
.wizlead{font-size:.95rem;font-weight:700;color:var(--navy);margin:0 0 .7rem}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

.jgrid{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.jopt{display:flex;flex-direction:column;align-items:flex-start;gap:.1rem;text-align:left;
  border:2px solid var(--line);border-radius:var(--r);background:#fff;padding:11px 14px;cursor:pointer;
  font-family:inherit;transition:.15s}
.jopt:hover{border-color:var(--red);background:#fff6f6;transform:translateY(-1px)}
.jopt__ic{font-size:1.4rem;line-height:1.1;margin-bottom:.25rem}
.jopt b{font-size:.94rem;font-weight:800;letter-spacing:-.02em;color:var(--navy);line-height:1.2}
.jopt__sub{font-size:.76rem;color:var(--muted);font-weight:600}

.fld .opt{font-size:.68rem;font-weight:700;color:var(--muted);text-transform:none;letter-spacing:0}
.fld .hint{display:block;font-size:.74rem;color:var(--muted);margin-top:.35rem;font-weight:500}
.fld .fielderr{display:block;font-size:.76rem;color:var(--red);font-weight:700;margin-top:.3rem}
.fld input.is-bad,.fld select.is-bad{border-color:var(--red)}

/* A `display` rule beats the `hidden` attribute, so state it explicitly —
   otherwise .wiznav[hidden] still renders. */
.wiznav{display:flex;gap:10px;padding:0 22px 22px;align-items:center}
.wiznav[hidden],.wizstep[hidden],.meter[hidden],.fielderr[hidden]{display:none}
.wiznav .btn--red{margin-left:auto}

.meter b.ok{color:var(--cyan)}
.meter b.warnv{color:#ffd0a8}

.consent{background:var(--alt);border:1px solid var(--line);border-radius:var(--r);padding:14px 16px;margin:6px 0 16px}
.consent.is-bad{border-color:var(--red);background:#fff6f6}
.chk{display:flex;gap:.6rem;align-items:flex-start;font-size:.82rem;color:var(--text);
  font-weight:500;line-height:1.5;cursor:pointer;margin-bottom:.7rem}
.chk:last-child{margin-bottom:0}
.chk input{margin-top:.2rem;accent-color:var(--red);width:16px;height:16px;flex-shrink:0}
.chk em{color:var(--muted);font-style:normal;font-weight:700;font-size:.76rem}
.consent__who{font-size:.74rem;color:var(--muted);margin:0 0 .8rem 2.2rem;line-height:1.5}

.formerr{background:#fff6f6;border:1px solid var(--red-soft);border-left:4px solid var(--red);
  margin:0 22px;padding:12px 14px;border-radius:var(--r);font-size:.84rem;color:var(--red-d)}
.formerr ul{margin:.4rem 0 0;padding-left:1.1rem}
.formerr li{margin-bottom:.15rem}

@media(max-width:480px){.jgrid{grid-template-columns:1fr}}

/* Thank-you page */
.thanks{max-width:660px;margin-inline:auto;text-align:center;padding:70px 0}
.thanks__ref{display:inline-block;font-family:ui-monospace,monospace;font-size:1.1rem;font-weight:800;
  background:var(--alt);border:2px dashed var(--line-2,var(--line));border-radius:var(--r);padding:.6rem 1.2rem;
  margin:1.2rem 0;letter-spacing:.06em;color:var(--navy)}
.thanks ol{text-align:left;max-width:440px;margin:1.6rem auto 0;padding-left:1.2rem;color:var(--muted);font-size:.93rem}
.thanks ol li{margin-bottom:.5rem}

/* CTA + embedded capture */
.ctagrid{display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:start}
.ctalist{list-style:none;margin:1.2rem 0 0;padding:0}
.ctalist li{position:relative;padding-left:1.7rem;margin-bottom:.55rem;font-size:.93rem;font-weight:600;color:var(--navy)}
.ctalist li::before{content:'✓';position:absolute;left:0;color:var(--red);font-weight:900}
.wiz.is-flash{animation:wizflash 1.2s ease}
@keyframes wizflash{0%,100%{box-shadow:0 0 0 0 rgba(213,18,26,0)}30%{box-shadow:0 0 0 6px rgba(213,18,26,.35)}}

/* Top bar contact links */
.util .wrap{gap:14px}
.util__contact{display:flex;align-items:center;gap:18px;flex-wrap:wrap}
.util__link{display:inline-flex;align-items:center;gap:.4rem;font-weight:700;color:#cfe0ee}
.util__link:hover{color:#fff}
.util__link svg{opacity:.8}
.util__link--wa:hover{color:#8fddf3}

/* Rates withheld notice */
.gated{background:#fff;border:2px dashed var(--line-2,var(--line));border-radius:var(--r);padding:34px 30px;text-align:center}
.gated h3{font-size:1.3rem;font-weight:900;letter-spacing:-.035em;margin-bottom:.6rem;color:var(--navy)}
.gated p{font-size:.95rem;color:var(--muted);max-width:52ch;margin:0 auto 1.3rem}

@media(max-width:900px){.ctagrid{grid-template-columns:1fr;gap:28px}}
@media(max-width:620px){.util__left{display:none}.util .wrap{justify-content:center}}

/* Trust marks sit under the enquiry card, not beside the headline */
.herocol{display:flex;flex-direction:column}
/* Drop the card so its top edge lines up with the "Your bank shows" headline
   rather than the eyebrow that sits above it. */
@media(min-width:1041px){.herocol{margin-top:42px}}
.ticks--under{margin-top:1.1rem;justify-content:center}
@media(max-width:1040px){.ticks--under{justify-content:flex-start}}

/* ============================================================================
   Quick callback — the low-friction path in the hero
   ========================================================================== */
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;
  clip:rect(0,0,0,0);white-space:nowrap;border:0}
.quick{margin-top:1.8rem;max-width:520px}
.quick__lead{font-size:.92rem;font-weight:700;margin:0 0 .7rem;color:var(--navy)}
.quick--dark .quick__lead{color:#cfe0ee}
.quick__row{display:flex;gap:8px;align-items:stretch}
.quick__f{flex:1;min-width:0}
.quick__row input{width:100%;height:46px;font-family:inherit;font-size:.95rem;font-weight:600;
  padding:0 .85rem;border:2px solid var(--line);border-radius:var(--r);background:#fff;color:var(--text)}
.quick__row input::placeholder{color:var(--muted);font-weight:500}
.quick__row input:focus{outline:none;border-color:var(--red)}
.quick--dark .quick__row input{border-color:rgba(255,255,255,.18)}
.quick__row .btn{height:46px;padding:0 1.3rem;flex-shrink:0;white-space:nowrap}
.quick__consent{display:flex;gap:.55rem;align-items:flex-start;margin-top:.8rem;
  font-size:.78rem;line-height:1.5;color:var(--muted);cursor:pointer}
.quick--dark .quick__consent{color:#a9c3d8}
.quick__consent input{margin-top:.15rem;accent-color:var(--red);width:15px;height:15px;flex-shrink:0}
@media(max-width:620px){
  .quick__row{flex-wrap:wrap}
  .quick__f{flex:1 1 100%}
  .quick__row .btn{width:100%}
}

/* The large button was taller than it needed to be */
.btn--lg{padding:.82rem 1.7rem;font-size:.95rem}

/* ============================================================================
   Homepage FAQ — two columns, SEO
   ========================================================================== */
.faqgrid{display:grid;grid-template-columns:1fr 1fr;gap:8px 24px;align-items:start}
.faqitem{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.faqitem[open]{border-color:var(--red-soft)}
.faqitem summary{list-style:none;cursor:pointer;padding:.68rem 1rem;font-weight:700;font-size:.9rem;
  letter-spacing:-.015em;color:var(--navy);display:flex;justify-content:space-between;gap:.8rem;align-items:center}
.faqitem summary::-webkit-details-marker{display:none}
.faqitem summary::after{content:'+';color:var(--red);font-size:1.2rem;line-height:1;font-weight:900;flex-shrink:0}
.faqitem[open] summary::after{content:'–'}
.faqitem__a{padding:0 1rem .9rem;font-size:.87rem;color:var(--muted);line-height:1.6}
.faqcta{text-align:center;margin-top:34px;padding-top:30px;border-top:1px solid var(--line)}
.faqcta p{font-size:1rem;font-weight:700;color:var(--navy);margin:0 0 1rem}
@media(max-width:760px){.faqgrid{grid-template-columns:1fr}}

/* ============================================================================
   Mortgages hub — type cards
   ========================================================================== */
.hubgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.hubcard{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);
  border-radius:var(--r);padding:18px;transition:.16s;border-top:4px solid var(--red)}
.hubcard:hover{transform:translateY(-3px);box-shadow:var(--lift);border-top-color:var(--red-d)}
.hubcard h3{font-size:1.12rem;font-weight:900;letter-spacing:-.03em;color:var(--navy);margin-bottom:.4rem}
.hubcard p{font-size:.87rem;color:var(--muted);line-height:1.55;margin:0 0 1rem}
.hubcard__go{margin-top:auto;font-size:.82rem;font-weight:800;color:var(--red)}
@media(max-width:900px){.hubgrid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.hubgrid{grid-template-columns:1fr}}

/* ============================================================================
   FAQ library — category jump nav
   ========================================================================== */
.faqnav{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:40}
.faqnav .wrap{display:flex;gap:6px;overflow-x:auto;padding:12px 0;-webkit-overflow-scrolling:touch}
.faqnav a{flex-shrink:0;display:inline-flex;align-items:center;gap:.4rem;font-size:.82rem;font-weight:700;
  color:var(--navy);background:var(--alt);border:1px solid var(--line);border-radius:99px;padding:.4rem .85rem;white-space:nowrap}
.faqnav a:hover{border-color:var(--red);color:var(--red)}
.faqnav a i{font-style:normal;font-size:.7rem;font-weight:800;color:var(--muted)}

/* ============================================================================
   Breadcrumbs + cookie consent
   ========================================================================== */
.crumbs{background:var(--navy-d);border-bottom:1px solid rgba(255,255,255,.08)}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;align-items:center;gap:.1rem;margin:0;padding:.6rem 0;font-size:.8rem}
.crumbs li{display:inline-flex;align-items:center}
.crumbs a{color:#8fa8bf;font-weight:600}
.crumbs a:hover{color:#fff}
.crumbs [aria-current]{color:#cfe0ee;font-weight:700}
.crumbs__sep{color:#4e6a83;margin:0 .55rem}

.consentbar{position:fixed;left:16px;right:16px;bottom:16px;z-index:90;max-width:720px;margin-inline:auto;
  background:var(--navy);color:#cfe0ee;border:1px solid rgba(255,255,255,.14);border-radius:var(--r);
  box-shadow:0 20px 50px rgba(0,0,0,.4);padding:16px 18px;display:flex;gap:16px;align-items:center;flex-wrap:wrap}
.consentbar p{margin:0;font-size:.82rem;line-height:1.55;flex:1;min-width:220px}
.consentbar__btns{display:flex;gap:8px;flex-shrink:0}
.consentbar .btn--out{border-color:rgba(255,255,255,.3);color:#fff;background:transparent}

/* 404 */
.err{max-width:640px;margin-inline:auto;text-align:center;padding:70px 0}
.err__code{font-size:clamp(4rem,12vw,7rem);font-weight:900;letter-spacing:-.06em;color:var(--red);line-height:1}
.err__links{display:flex;gap:10px;justify-content:center;flex-wrap:wrap;margin-top:1.8rem}

/* ============================================================================
   MOBILE / iOS OPTIMISATION
   99% of traffic is mobile — this section is load-bearing, not polish.
   ========================================================================== */

/* Stop iOS inflating text in landscape, and kill the grey tap flash. */
html{-webkit-text-size-adjust:100%;text-size-adjust:100%}
*{-webkit-tap-highlight-color:rgba(213,18,26,.12)}
a,button,summary,label,input,select{touch-action:manipulation}

/* iPhone safe areas: keep the sticky top bar clear of the notch and let full
   backgrounds bleed into the inset. */
@supports(padding:max(0px)){
  .util .wrap{padding-left:max(20px,env(safe-area-inset-left));padding-right:max(20px,env(safe-area-inset-right))}
  header .wrap{padding-left:max(20px,env(safe-area-inset-left));padding-right:max(20px,env(safe-area-inset-right))}
}

/* --- iOS ZOOM FIX: every focusable text field must be >=16px, or Safari
   auto-zooms on focus. This is the single most important mobile rule here. --- */
input, select, textarea{font-size:16px}
@media(max-width:1100px){
  .fld input,.fld select,
  .calc select,.calc input,
  .quick__row input,
  .tf input,.tf select,
  .toolbar input,.toolbar select{font-size:16px !important}
}

/* --- Animated burger (3 bars -> visible only on mobile) --- */
.burger{display:none;margin-left:auto;flex-direction:column;justify-content:center;gap:5px;
  width:44px;height:44px;background:var(--navy);border:0;border-radius:var(--r);cursor:pointer;padding:0}
.burger span{display:block;width:20px;height:2px;margin:0 auto;background:#fff;border-radius:2px;transition:.2s}
@media(max-width:1100px){nav.main{display:none}.burger{display:flex}}
/* Mobile header: logo hard-left, burger hard-right, tight edge gutter.
   (The shared .wrap margin plus the safe-area padding was doubling to ~40px.) */
@media(max-width:1100px){
  .bar{justify-content:space-between;gap:.5rem}
  .bar .logo{margin-right:auto}
  .burger{margin-left:0}
  header .wrap{width:100%;padding-left:max(14px,env(safe-area-inset-left));padding-right:max(14px,env(safe-area-inset-right))}
  .util .wrap{width:100%;padding-left:max(14px,env(safe-area-inset-left));padding-right:max(14px,env(safe-area-inset-right))}
}

/* --- Off-canvas drawer --- */
.mnav{position:fixed;inset:0;z-index:200}
.mnav[hidden]{display:none}
.mnav__backdrop{position:absolute;inset:0;background:rgba(10,23,40,.55);opacity:0;transition:opacity .25s}
.mnav.is-open .mnav__backdrop{opacity:1}
.mnav__panel{position:absolute;top:0;right:0;height:100%;width:min(88vw,380px);
  background:#fff;box-shadow:-8px 0 40px rgba(0,0,0,.3);display:flex;flex-direction:column;
  transform:translateX(100%);transition:transform .26s cubic-bezier(.4,0,.2,1);
  padding-top:env(safe-area-inset-top);padding-bottom:env(safe-area-inset-bottom);
  padding-right:env(safe-area-inset-right)}
.mnav.is-open .mnav__panel{transform:translateX(0)}
.mnav__head{display:flex;align-items:center;justify-content:space-between;padding:16px 18px;border-bottom:1px solid var(--line)}
.mnav__head .logo__txt{font-size:1.05rem}
.mnav__x{width:44px;height:44px;border:0;background:var(--alt);border-radius:var(--r);font-size:1.6rem;line-height:1;color:var(--navy);cursor:pointer}
.mnav__body{flex:1;overflow-y:auto;-webkit-overflow-scrolling:touch;overscroll-behavior:contain;padding:8px 0}
.mnav__group{border-bottom:1px solid var(--line)}
.mnav__group summary{list-style:none;display:flex;justify-content:space-between;align-items:center;
  padding:14px 18px;font-weight:800;font-size:1rem;color:var(--navy);cursor:pointer;min-height:52px}
.mnav__group summary::-webkit-details-marker{display:none}
.mnav__group summary::after{content:'+';color:var(--red);font-size:1.4rem;font-weight:900}
.mnav__group[open] summary::after{content:'–'}
.mnav__group ul{list-style:none;margin:0;padding:0 0 8px;background:var(--alt)}
.mnav__group li a{display:block;padding:12px 18px 12px 30px;font-size:.95rem;font-weight:600;color:var(--body);min-height:44px}
.mnav__group li a:active{background:#eef1f5}
.mnav__link{display:flex;align-items:center;min-height:52px;padding:14px 18px;font-weight:800;
  font-size:1rem;color:var(--navy);border-bottom:1px solid var(--line)}
.mnav__link:active{background:var(--alt)}
.mnav__foot{padding:16px 18px calc(16px + env(safe-area-inset-bottom));border-top:1px solid var(--line);background:#fff}
.mnav__contact{display:flex;gap:10px;margin-top:12px}
.mnav__contact a{flex:1;text-align:center;padding:12px;border:2px solid var(--line-2);border-radius:var(--r);
  font-weight:700;font-size:.9rem;color:var(--navy);min-height:44px;display:flex;align-items:center;justify-content:center}

/* --- Consent bar clears the home indicator --- */
.consentbar{bottom:max(16px,env(safe-area-inset-bottom))}

/* --- Comfortable tap targets on mobile --- */
@media(max-width:1100px){
  .btn{min-height:46px}
  .btn--sm{min-height:40px}
  .faqitem summary{min-height:52px;padding:.85rem 1rem}
  .faqnav a{min-height:38px}
  .util__link{min-height:34px}
  .logo__mark{width:38px;height:38px}
}

/* Email is noise on a phone — phone + WhatsApp are the action channels. */
@media(max-width:767px){.util__link--email{display:none}}

/* --- Phone-specific spacing: tighten heroes, stack contact bar --- */
@media(max-width:560px){
  .hero{padding-top:34px}
  .hero h1{font-size:clamp(2rem,9vw,2.6rem)}
  section{padding:38px 0}
  .band .wrap{gap:12px}
  .band .stat,.band>.wrap>div{padding-left:12px}
  .band b{font-size:1.9rem}
  .quick{max-width:none}
  .cta{padding:36px 20px}
  .crumbs ol{font-size:.75rem}
  /* let rate/enquiry cards use the full width */
  .card,.wiz{border-radius:12px}
}

/* --- Larger-than-iPhone but still mobile: the two-col grids collapse well
   already via existing breakpoints; nothing extra needed here. --- */

/* ============================================================================
   News / article typography
   ========================================================================== */
.article{padding:8px 0 20px;font-size:1.06rem;line-height:1.75;color:var(--text)}
.article h2{font-size:1.5rem;font-weight:900;letter-spacing:-.03em;color:var(--navy);margin:1.8rem 0 .7rem}
.article h3{font-size:1.2rem;font-weight:800;color:var(--navy);margin:1.4rem 0 .5rem}
.article p{margin:0 0 1.1rem}
.article ul,.article ol{margin:0 0 1.1rem 1.2rem;padding:0}
.article li{margin-bottom:.5rem}
.article a{color:var(--red);font-weight:700;text-decoration:underline}
.article strong{color:var(--navy)}
.article__note{margin-top:2rem;padding:1rem 1.2rem;background:var(--alt);border-left:4px solid var(--red);
  border-radius:var(--r);font-size:.85rem;color:var(--muted);line-height:1.6}