:root{
  --cream:#f7f1e8;
  --cream2:#fbf8f2;
  --ink:#061a33;
  --muted:#596474;
  --gold:#c9953e;
  --line:#ded3c3;
  --shadow:0 18px 45px rgba(6,26,51,.13);
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}

body{
  margin:0;
  background:var(--cream);
  color:var(--ink);
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;
}

.wrap{
  width:min(1120px,88vw);
  margin:auto;
}

.site-header{
  border-bottom:1px solid var(--line);
  background:rgba(247,241,232,.92);
  backdrop-filter:blur(10px);
  position:sticky;
  top:0;
  z-index:10;
}

.header-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:26px;
  width:min(1120px,88vw);
  margin:auto;
  padding:22px 0;
}

.brand{
  display:flex;
  align-items:center;
  gap:18px;
  flex:0 0 auto;
  text-decoration:none;
  color:var(--ink);
}

.mark{
  width:74px;
  text-align:center;
  line-height:1;
  position:relative;
}

.mark .roof{
  display:block;
  width:43px;
  height:23px;
  border-left:3px solid var(--ink);
  border-top:3px solid var(--ink);
  transform:rotate(45deg);
  margin:0 auto -2px;
}

.mark strong{
  font-size:24px;
  letter-spacing:-1px;
}

.mark small{
  display:block;
  font-size:7px;
  margin-top:1px;
}

.brand-text span{
  display:block;
  font-family:Georgia,serif;
  font-size:31px;
}

.brand-text small{
  display:block;
  letter-spacing:.34em;
  font-size:18px;
  color:var(--muted);
  margin-top:8px;
}

.site-nav{
  display:flex;
  align-items:center;
  justify-content:flex-end;
  gap:18px;
  flex-wrap:wrap;
}

.site-nav a{
  color:var(--ink);
  text-decoration:none;
  text-transform:uppercase;
  font-size:13px;
  font-weight:700;
  letter-spacing:.03em;
  white-space:nowrap;
}

.site-nav a:hover{
  color:var(--gold);
}

.site-nav .nav-ghost,
.site-nav .nav-solid{
  border:1px solid var(--ink);
  padding:13px 16px;
}

.site-nav .nav-solid{
  border-color:var(--gold);
  background:var(--gold);
  color:#fff;
}

.site-nav .nav-solid:hover{
  color:#fff;
  filter:brightness(1.05);
}

.hero{
  padding:100px 0 50px;
  background:
    linear-gradient(180deg, rgba(247,241,232,0.94) 0%, rgba(247,241,232,0.80) 40%, rgba(247,241,232,0.96) 100%),
    url('https://images.unsplash.com/photo-1505693416388-ac5ce068fe85?auto=format&fit=crop&w=1600&q=80') center/cover no-repeat;
}

.hero h1{
  font-family:Georgia,serif;
  font-size:clamp(40px,6.1vw,78px);
  font-weight:400;
  line-height:.96;
  margin:0 0 40px;
}

.hero h1 span,
.hero h1 em{
  display:block;
}

.hero h1 em{
  color:var(--gold);
  font-style:italic;
}

.lead{
  font-size:clamp(18px,2.55vw,30px);
  line-height:1.55;
  color:var(--muted);
  max-width:1000px;
  margin:0 0 60px;
}

.stats{
  border-top:2px solid var(--line);
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:30px;
  padding-top:55px;
}

.stats strong{
  font-family:Georgia,serif;
  font-size:clamp(38px,5.6vw,58px);
  font-weight:400;
  display:block;
}

.stats span{
  text-transform:uppercase;
  letter-spacing:.08em;
  font-size:clamp(15px,1.85vw,22px);
  line-height:1.18;
  color:var(--muted);
}

/* New sections */

.content-section{
  padding:70px 0;
  border-top:1px solid var(--line);
}

.section-heading{
  margin-bottom:38px;
  max-width:850px;
}

.section-heading h2,
.split-card h2{
  font-family:Georgia,serif;
  font-size:clamp(34px,4.8vw,58px);
  font-weight:400;
  margin:0 0 18px;
}

.section-heading p,
.split-card p{
  font-size:clamp(18px,2.1vw,26px);
  line-height:1.45;
  color:var(--muted);
  margin:0;
}

.about-panel{
  display:grid;
  grid-template-columns:1.25fr .75fr;
  gap:34px;
  align-items:start;
}

.about-copy,
.approach-copy{
  background:var(--cream2);
  border:2px solid var(--line);
  border-radius:28px;
  padding:34px;
  box-shadow:0 8px 22px rgba(6,26,51,.06);
}

.about-copy h2,
.approach-copy h3{
  font-family:Georgia,serif;
  font-size:clamp(30px,4vw,48px);
  font-weight:400;
  margin:0 0 20px;
}

.approach-copy h3{
  font-size:clamp(24px,3vw,34px);
}

.about-copy p,
.approach-copy p{
  color:var(--muted);
  font-size:17px;
  line-height:1.55;
  margin:0 0 18px;
}

.about-copy p:last-child,
.approach-copy p:last-child{
  margin-bottom:0;
}

.service-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:22px;
}

.service-card{
  background:var(--cream2);
  border:2px solid var(--line);
  border-radius:28px;
  padding:30px;
  box-shadow:0 8px 22px rgba(6,26,51,.06);
}

.service-card h3{
  font-family:Georgia,serif;
  font-size:24px;
  font-weight:400;
  margin:0 0 15px;
}

.service-card p{
  font-size:17px;
  line-height:1.45;
  color:var(--muted);
  margin:0;
}

.card-link{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  margin-top:24px;
  border:2px solid var(--line);
  border-radius:14px;
  background:var(--ink);
  color:#fff;
  text-decoration:none;
  font-size:16px;
  font-weight:700;
  padding:15px 18px;
  box-shadow:0 5px 12px rgba(0,0,0,.1);
}

.card-link:hover{
  filter:brightness(1.08);
}

.split-card{
  background:var(--cream2);
  border:2px solid var(--line);
  border-radius:36px;
  padding:48px;
  box-shadow:var(--shadow);
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:45px;
}

.split-card h2{
  font-size:clamp(27px,3.8vw,46px);
}

.split-card p{
  font-size:clamp(15px,1.7vw,21px);
}

.tick-list{
  list-style:none;
  margin:0;
  padding:0;
}

.tick-list li{
  font-size:15px;
  line-height:1.35;
  padding:0 0 16px 34px;
  position:relative;
  color:var(--ink);
}

.tick-list li::before{
  content:"✓";
  position:absolute;
  left:0;
  color:var(--gold);
  font-weight:700;
}

.resources-layout{
  display:grid;
  grid-template-columns:.85fr 1.15fr;
  gap:28px;
}

.resource-links{
  display:grid;
  gap:16px;
}

.resource-links a,
.calculator-card{
  background:var(--cream2);
  border:2px solid var(--line);
  border-radius:24px;
  box-shadow:0 8px 22px rgba(6,26,51,.06);
}

.resource-links a{
  display:block;
  color:var(--ink);
  text-decoration:none;
  padding:22px;
}

.resource-links a:hover{
  border-color:var(--gold);
}

.resource-links strong{
  display:block;
  font-family:Georgia,serif;
  font-size:22px;
  font-weight:400;
  margin-bottom:8px;
}

.resource-links span{
  display:block;
  color:var(--muted);
  font-size:16px;
  line-height:1.45;
}

.calculator-card{
  padding:28px;
}

.calculator-card h3{
  font-family:Georgia,serif;
  font-size:28px;
  font-weight:400;
  margin:0 0 22px;
}

.calculator-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:18px;
}

.calculator-grid label{
  font-size:17px;
  margin:0;
}

.calculator-grid input{
  min-height:58px;
  font-size:18px;
  padding:16px 18px;
}

.calculator-result{
  border-top:1px solid var(--line);
  margin-top:26px;
  padding-top:24px;
}

.calculator-result span{
  display:block;
  color:var(--muted);
  font-size:16px;
  font-weight:700;
  margin-bottom:8px;
}

.calculator-result strong{
  display:block;
  font-family:Georgia,serif;
  color:var(--gold);
  font-size:38px;
  font-weight:400;
}

.calculator-card p{
  color:var(--muted);
  font-size:15px;
  line-height:1.45;
  margin:18px 0 0;
}

.rate-card{
  background:var(--cream2);
  border:2px solid var(--line);
  border-radius:36px;
  padding:38px;
  box-shadow:var(--shadow);
}

.rate-meta{
  font-size:18px;
  color:var(--muted);
  margin-bottom:24px;
}

.finder-form{
  margin-bottom:34px;
}

.finder-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:22px;
}

.finder-form label{
  font-size:18px;
  margin:0;
}

.finder-form input,
.finder-form select{
  min-height:62px;
  font-size:18px;
  line-height:1.2;
  padding:17px 18px;
}

.finder-form select,
.form-area select{
  appearance:none;
  background-image:linear-gradient(45deg, transparent 50%, var(--muted) 50%), linear-gradient(135deg, var(--muted) 50%, transparent 50%);
  background-position:calc(100% - 20px) 50%, calc(100% - 14px) 50%;
  background-size:6px 6px, 6px 6px;
  background-repeat:no-repeat;
  padding-right:42px;
  text-align:left;
  text-align-last:left;
}

.lvr-display{
  display:block;
  color:var(--ink);
  font-size:18px;
  font-weight:700;
}

.lvr-display span{
  display:block;
}

.lvr-display output{
  width:100%;
  min-height:62px;
  display:block;
  margin-top:12px;
  border:2px solid #d9d1c5;
  background:#fffdfa;
  border-radius:14px;
  padding:17px 18px;
  color:var(--ink);
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;
  font-size:18px;
  font-weight:400;
  line-height:1.2;
  box-shadow:0 5px 12px rgba(0,0,0,.09);
}

.rate-check-button{
  margin:28px 0 0;
}

.finder-note{
  color:var(--muted);
  font-size:16px;
  line-height:1.45;
  margin:16px 0 0;
}

.rate-results{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:18px;
  margin:28px 0;
}

.rate-results>p{
  grid-column:1/-1;
  font-size:17px;
  line-height:1.45;
  color:var(--muted);
  margin:0;
}

.submit-success{
  background:#f1fff6;
  border:2px solid #2f8f5b;
  border-radius:18px;
  color:var(--ink);
  margin:18px 0 0;
  padding:20px 22px;
  box-shadow:0 8px 22px rgba(47,143,91,.12);
}

.submit-success-wide{
  grid-column:1/-1;
  margin:0;
}

.submit-success strong{
  display:block;
  font-family:Georgia,serif;
  font-size:24px;
  font-weight:400;
  margin:0 0 6px;
}

.submit-success p{
  color:var(--ink);
  font-size:17px;
  line-height:1.45;
  margin:0;
}

.result-card{
  border:1px solid var(--line);
  border-radius:18px;
  background:#fffdfa;
  padding:22px;
}

.result-card strong{
  display:block;
  font-family:Georgia,serif;
  font-size:21px;
  font-weight:400;
  margin-bottom:10px;
}

.result-card span{
  display:block;
  color:var(--gold);
  font-family:Georgia,serif;
  font-size:27px;
  margin-bottom:8px;
}

.result-card small{
  display:block;
  color:var(--muted);
  font-size:15px;
  line-height:1.35;
}

.result-card p{
  color:var(--muted);
  font-size:17px;
  line-height:1.45;
  margin:14px 0 0;
}

.result-card-wide{
  grid-column:1/-1;
}

.result-list{
  margin:18px 0;
  padding-left:20px;
  color:var(--ink);
}

.result-list li{
  font-size:18px;
  line-height:1.5;
  margin-bottom:8px;
}

.lead-fields{
  border-top:1px solid var(--line);
  margin-top:34px;
  padding-top:30px;
}

.lead-fields-first{
  border-top:0;
  margin:0 0 28px;
  padding-top:0;
}

.lead-fields h3{
  font-family:Georgia,serif;
  font-size:26px;
  font-weight:400;
  margin:0 0 24px;
}

.lead-fields p,
.result-message{
  grid-column:1/-1;
  color:var(--muted);
  font-size:18px;
  line-height:1.45;
  margin:0 0 22px;
}

.result-message{
  margin:4px 0 0;
}

.hidden-submit-frame{
  display:none;
}

.form-honey{
  position:absolute;
  left:-9999px;
  width:1px;
  height:1px;
  opacity:0;
  pointer-events:none;
}

.table-wrap{
  overflow-x:auto;
}

.rate-table{
  width:100%;
  border-collapse:collapse;
  background:#fffdfa;
  border-radius:18px;
  overflow:hidden;
}

.rate-table th,
.rate-table td{
  border-bottom:1px solid var(--line);
  padding:22px;
  text-align:left;
  font-size:17px;
}

.rate-table th{
  color:var(--ink);
  background:#f1e6d7;
}

.rate-table td:nth-child(2){
  font-family:Georgia,serif;
  font-size:24px;
  color:var(--gold);
  white-space:nowrap;
}

.rate-note{
  font-size:18px;
  line-height:1.45;
  color:var(--muted);
  margin:24px 0 0;
}

.scenario-list{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:22px;
}

.scenario-list div{
  border-left:4px solid var(--gold);
  background:var(--cream2);
  padding:26px;
  border-radius:18px;
}

.scenario-list strong{
  font-family:Georgia,serif;
  font-size:22px;
  font-weight:400;
}

.scenario-list p{
  font-size:16px;
  line-height:1.45;
  color:var(--muted);
  margin:12px 0 0;
}

/* Existing enquiry section */

.enquiry{
  padding:25px 0 85px;
}

.card{
  overflow:hidden;
  border:2px solid var(--line);
  border-radius:30px;
  background:var(--cream2);
  box-shadow:var(--shadow);
}

.house-image{
  height:280px;
  background:
    linear-gradient(to bottom,rgba(255,255,255,0) 30%,var(--cream2) 100%),
    url('https://images.unsplash.com/photo-1600585154340-be6161a56a0c?auto=format&fit=crop&w=1400&q=80') center/cover;
}

.form-area{
  padding:6px min(7vw,70px) 50px;
}

.form-area h2{
  font-family:Georgia,serif;
  font-size:clamp(28px,3.8vw,42px);
  font-weight:400;
  margin:0 0 10px;
}

.talk-now h2{
  font-family:Georgia,serif;
  font-size:clamp(26px,4.5vw,41px);
  font-weight:400;
  margin:0 0 12px;
}

.form-area>p{
  font-size:clamp(16px,1.75vw,19px);
  line-height:1.45;
  color:var(--muted);
  margin:0 0 28px;
}

.talk-now p{
  font-size:clamp(15px,1.9vw,23px);
  line-height:1.45;
  color:var(--muted);
  margin:0 0 32px;
}

.form-area form{
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:22px;
}

.form-area label{
  font-size:17px;
  margin:0;
}

.form-area label:nth-of-type(4),
.form-area button{
  grid-column:1/-1;
}

.form-area input,
.form-area select{
  min-height:56px;
  margin-top:9px;
  border-radius:12px;
  padding:16px 18px;
  font-size:18px;
  line-height:1.2;
  box-shadow:0 4px 10px rgba(0,0,0,.06);
}

label{
  display:block;
  font-size:20px;
  font-weight:700;
  margin:0 0 36px;
}

input,
select{
  width:100%;
  margin-top:12px;
  border:2px solid #d9d1c5;
  background:#fffdfa;
  border-radius:14px;
  padding:23px 28px;
  font-size:clamp(19px,2.8vw,32px);
  color:var(--ink);
  box-shadow:0 5px 12px rgba(0,0,0,.09);
}

input.is-invalid,
select.is-invalid{
  border-color:#c2413b;
  background:#fff7f6;
  box-shadow:0 0 0 4px rgba(194,65,59,.12), 0 5px 12px rgba(0,0,0,.09);
}

input.is-valid,
select.is-valid{
  border-color:#2f8f5b;
  background:#fbfffc;
}

input::placeholder{
  color:#596474;
}

select{
  appearance:auto;
}

button{
  width:100%;
  border:0;
  border-radius:12px;
  background:var(--ink);
  color:#fff;
  font-size:clamp(17px,1.8vw,21px);
  font-weight:700;
  padding:20px 24px;
  margin-top:14px;
  box-shadow:0 5px 12px rgba(0,0,0,.12);
  cursor:pointer;
}

button:hover{
  filter:brightness(1.08);
}

.privacy{
  text-align:center;
  font-size:clamp(15px,2vw,19px)!important;
  margin:26px 0 0!important;
}

.talk-now{
  border-top:1px solid var(--line);
  padding:68px 0;
}

.actions{
  display:flex;
  gap:18px;
  flex-wrap:wrap;
}

.secondary{
  min-width:210px;
  display:inline-flex;
  justify-content:center;
  align-items:center;
  gap:12px;
  border:2px solid var(--line);
  border-radius:16px;
  background:var(--cream2);
  color:var(--ink);
  text-decoration:none;
  font-size:clamp(15px,1.9vw,21px);
  font-weight:700;
  padding:18px 24px;
  box-shadow:0 6px 13px rgba(0,0,0,.08);
}

.secondary:first-letter{
  color:var(--gold);
}

.lender-strip{
  border-top:1px solid var(--line);
  padding:75px 0 65px;
}

.lender-header{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:24px;
  margin-bottom:28px;
}

.lender-header h2{
  font-family:Georgia,serif;
  font-size:clamp(28px,4vw,46px);
  font-weight:400;
  margin:0;
}

.lender-header p{
  max-width:520px;
  color:var(--muted);
  font-size:17px;
  line-height:1.45;
  margin:0;
  text-align:right;
}

.lender-window{
  overflow:hidden;
  border:2px solid var(--line);
  border-radius:26px;
  background:#fffdfa;
  box-shadow:var(--shadow);
}

.lender-track{
  width:max-content;
  display:flex;
  gap:14px;
  align-items:center;
  padding:24px;
  animation:lender-marquee 360s linear infinite;
}

.lender-window:hover .lender-track{
  animation-play-state:paused;
}

.lender-group{
  display:flex;
  gap:14px;
  align-items:center;
  padding-right:14px;
}

.lender-pill{
  min-height:62px;
  display:flex;
  align-items:center;
  justify-content:center;
  border:1px solid #ece1d2;
  border-radius:14px;
  background:#fff;
  color:var(--ink);
  font-size:17px;
  font-weight:700;
  padding:14px 16px;
  text-align:center;
  box-shadow:0 5px 12px rgba(6,26,51,.05);
  white-space:nowrap;
}

@keyframes lender-marquee{
  from{transform:translateX(0)}
  to{transform:translateX(-50%)}
}

@media (prefers-reduced-motion:reduce){
  .lender-track{
    width:auto;
    flex-wrap:wrap;
    animation:none;
  }

  .lender-group{
    flex-wrap:wrap;
  }

  .lender-group[aria-hidden="true"]{
    display:none;
  }
}

.footer{
  border-top:1px solid var(--line);
  padding:55px 0 75px;
  color:var(--muted);
  font-size:clamp(16px,2.4vw,26px);
}

.footer a{
  color:var(--muted);
  text-underline-offset:7px;
}

/* Mobile */

@media (max-width:900px){
  .header-inner{
    align-items:flex-start;
    flex-direction:column;
    gap:18px;
  }

  .site-nav{
    justify-content:flex-start;
    gap:12px;
  }

  .service-grid,
  .about-panel,
  .resources-layout,
  .scenario-list,
  .split-card{
    grid-template-columns:1fr;
  }

  .calculator-grid{
    grid-template-columns:1fr;
  }

  .split-card{
    padding:34px;
  }
}

@media (max-width:700px){
  .header-inner{
    padding:20px 0;
  }

  .brand{
    gap:14px;
  }

  .site-nav{
    width:100%;
    flex-wrap:nowrap;
    overflow-x:auto;
    padding-bottom:4px;
  }

  .site-nav a{
    font-size:12px;
  }

  .site-nav .nav-ghost,
  .site-nav .nav-solid{
    padding:11px 13px;
  }

  .mark{
    width:58px;
  }

  .mark strong{
    font-size:18px;
  }

  .brand-text span{
    font-size:23px;
  }

  .brand-text small{
    font-size:13px;
    letter-spacing:.32em;
  }

  .hero{
    padding:92px 0 55px;
  }

  .lead{
    margin-bottom:65px;
  }

  .stats{
    gap:18px;
  }

  .content-section{
    padding:55px 0;
  }

  .service-card{
    padding:25px;
    border-radius:24px;
  }

  .service-card h3{
    font-size:22px;
  }

  .finder-grid,
  .rate-results{
    grid-template-columns:1fr;
  }

  .rate-card{
    padding:24px;
    border-radius:26px;
  }

  .rate-table th,
  .rate-table td{
    padding:16px;
    font-size:15px;
  }

  .rate-table td:nth-child(2){
    font-size:19px;
  }

  .card{
    border-radius:24px;
  }

  .house-image{
    height:210px;
  }

  .form-area{
    padding:8px 30px 38px;
  }

  .form-area form{
    grid-template-columns:1fr;
    gap:18px;
  }

  .form-area h2{
    font-size:29px;
  }

  .form-area>p{
    font-size:16px;
    margin-bottom:22px;
  }

  label{
    font-size:17px;
    margin-bottom:29px;
  }

  .form-area label{
    font-size:16px;
  }

  .form-area input,
  .form-area select{
    min-height:54px;
    font-size:17px;
    padding:15px 16px;
  }

  .finder-form input,
  .finder-form select,
  .lvr-display output{
    min-height:58px;
    font-size:16px;
    padding:16px;
  }

  .talk-now{
    padding:52px 0;
  }

  .secondary{
    min-width:0;
    flex:1;
    padding:17px 14px;
  }

  .lender-strip{
    padding:60px 0 50px;
  }

  .lender-track{
    padding:18px;
  }

  .lender-pill{
    min-height:56px;
    font-size:16px;
  }

  .footer{
    padding-bottom:55px;
  }
}

@media (max-width:430px){
  .wrap,
  .header-inner{
    width:87.5vw;
  }

  .brand-text span{
    font-size:19px;
  }

  .brand-text small{
    font-size:11px;
  }

  .stats span{
    font-size:11px;
  }

  .stats strong{
    font-size:28px;
  }

  .section-heading h2,
  .split-card h2{
    font-size:32px;
  }

  .section-heading p,
  .split-card p{
    font-size:16px;
  }

  .tick-list li{
    font-size:14px;
  }

  .form-area{
    padding-left:28px;
    padding-right:28px;
  }

  .actions{
    gap:16px;
  }

  .secondary{
    font-size:14px;
  }

  .lender-header{
    align-items:flex-start;
    flex-direction:column;
    gap:16px;
  }

  .lender-header p{
    text-align:left;
  }

  .lender-pill{
    min-height:52px;
  }
}