/* Shared styles for location pages (watford, hemel-hempstead, st-albans, kings-langley).
   Extracted from the identical inline <style> blocks of those pages. */
/* ========================================
   HOMEPAGE-ONLY OVERRIDES
   ======================================== */

/* Header tap-to-call phone icon (sits next to the menu toggle) */
.header-phone-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  color: #0B1026;
  margin-right: 4px;
  transition: color 0.2s, transform 0.2s;
  flex-shrink: 0;
}
.header-phone-btn:hover {
  color: #E7B457;
  transform: translateY(-1px);
}
.header-phone-btn svg {
  width: 22px;
  height: 22px;
}
@media (max-width: 480px) {
  .header-phone-btn {
    width: 36px;
    height: 36px;
  }
  .header-phone-btn svg {
    width: 20px;
    height: 20px;
  }
}

/* Hide phone icon on desktop — full nav + visible CTA make it redundant */
@media (min-width: 1024px) {
  .header-phone-btn {
    display: none;
  }
}

.text-white .trust-item span {
  color: rgba(255, 255, 255, 0.75);
}

.text-highlight {
  color: #FFFFFF;
  background: #2F766E;
  padding: 0 14px;
  border-radius: 10px;
  -webkit-box-decoration-break: clone;
  box-decoration-break: clone;
}

.btn-secondary {
  background: rgba(255, 255, 255, 0.25);
  color: #FFFFFF;
  border: 1.5px solid rgba(255, 255, 255, 0.4);
  backdrop-filter: blur(4px);
}

.btn-secondary:hover {
  border-color: rgba(255, 255, 255, 0.7);
  background: rgba(255, 255, 255, 0.35);
  transform: translateY(-1px);
}

/* ========================================
   SVG TORN DIVIDERS
   ======================================== */
.torn-divider {
  display: block;
  width: 100%;
  height: auto;
  margin: -1px 0;
  position: relative;
  z-index: 2;
}

.torn-divider svg {
  display: block;
  width: 100%;
  height: auto;
}

.hero-to-lenders-divider {
  margin-top: -60px;
}

/* ========================================
   SECTION 1: HERO
   ======================================== */
.hero {
  background: #D4391C url('/assets/images/brand/Background.png') center top / cover no-repeat;
  background-image: image-set(url('/assets/images/brand/Background.webp') type('image/webp'), url('/assets/images/brand/Background.png') type('image/png'));
  padding-top: 72px; /* header offset */
  overflow: hidden;
  position: relative;
}

.hero-inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
  align-items: center;
  padding: 48px 0 24px;
}

@media (min-width: 768px) {
  .hero-inner {
    grid-template-columns: 1fr 1fr;
    gap: 56px;
    padding: 48px 0 56px;
  }
}

.hero-content {
  max-width: 560px;
}

.hero-content .eyebrow {
  color: #FFFFFF;
  text-shadow: 0 1px 3px rgba(0,0,0,0.15);
}

.hero-content h1 {
  color: #FFFFFF;
  margin-bottom: 24px;
  text-shadow: 0 2px 8px rgba(0,0,0,0.12);
  line-height: 1.45;
}

.hero-content h1 .highlight {
  color: #0B1026;
  background: #FFFFFF;
  padding: 2px 14px;
  border-radius: 10px;
  -webkit-box-decoration-break: clone;
  box-decoration-break: clone;
  text-shadow: none;
}

.hero-content > p {
  color: rgba(255, 255, 255, 0.9);
  font-size: 18px;
  line-height: 1.7;
  margin-bottom: 36px;
  max-width: 480px;
  text-shadow: 0 1px 3px rgba(0,0,0,0.1);
}

.hero-buttons {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-bottom: 32px;
}

.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 4px 16px;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
}

.trust-item .trust-icon {
  flex-shrink: 0;
  width: 6px;
  height: 6px;
  background: #FFFFFF;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}

.trust-item .trust-icon svg {
  display: none;
}

.trust-item span {
  font-size: 13px;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.75);
  line-height: 1.35;
  text-shadow: 0 1px 2px rgba(0,0,0,0.1);
}

/* Hero Visual — Editorial Composition */
.hero-visual {
  display: flex;
  justify-content: center;
  align-items: center;
  position: relative;
}

.hero-trust-panel {
  width: 100%;
  max-width: 480px;
  display: flex;
  flex-direction: column;
  gap: 0;
  position: relative;
}

/* Google Reviews — clean floating, no box */
.tp-badge-compact {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 24px;
}

.tp-stars-row {
  display: flex;
  gap: 3px;
}

.tp-star-box {
  width: 26px;
  height: 26px;
  background: #00b67a;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 3px;
}

.tp-star-box svg {
  width: 15px;
  height: 15px;
  fill: #FFFFFF;
}

.tp-badge-text {
  font-size: 13px;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.3;
  text-shadow: 0 1px 2px rgba(0,0,0,0.1);
}

.tp-badge-text strong {
  color: #FFFFFF;
}

/* Review carousel — physical card stack */
.hero-review-carousel {
  position: relative;
  height: 260px;
  margin-bottom: 24px;
  perspective: 800px;
  overflow: visible;
}

.hero-review-card {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  border-radius: 24px;
  padding: 32px;
  opacity: 0;
  transform-origin: 10% 90%;
  transform: rotate(8deg) scale(0.92);
  transition: opacity 0.6s ease, transform 0.6s ease;
  pointer-events: none;
  z-index: 0;
  will-change: transform, opacity;
}

/* Back of fan — 3rd card (fully opaque, just peeking edge) */
.hero-review-card.in-stack {
  opacity: 1;
  transform: rotate(6deg) scale(0.94);
  z-index: 1;
}

/* Middle of fan — 2nd card (fully opaque, visible edge) */
.hero-review-card.on-deck {
  opacity: 1;
  transform: rotate(3deg) scale(0.97);
  z-index: 2;
}

/* Front card — no rotation */
.hero-review-card.active {
  opacity: 1;
  transform: rotate(0deg) scale(1);
  pointer-events: auto;
  z-index: 3;
}

/* Card being flicked off the fan */
.hero-review-card.leaving {
  opacity: 0;
  transform: translateX(60px) translateY(-30px) rotate(-3deg) scale(0.95);
  z-index: 4;
  pointer-events: none;
}

.hero-review-card-mustard,
.hero-review-card-white,
.hero-review-card-coral {
  background: #FFFFFF;
  color: #0B1026;
  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.12);
}

.hero-review-card.in-stack,
.hero-review-card.on-deck {
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.08);
}

/* Small accent quote — not the big ugly one */
.review-quote-mark {
  display: none;
}

.hero-review-card p {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 16px;
  font-weight: 500;
  line-height: 1.6;
  margin: 0 0 20px 0;
  position: relative;
}

.hero-review-card-mustard p,
.hero-review-card-white p,
.hero-review-card-coral p { color: #334155; }

/* Author footer */
.review-footer {
  display: flex;
  align-items: center;
  gap: 12px;
}

.review-avatar {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 14px;
  flex-shrink: 0;
}

.hero-review-card-mustard .review-avatar,
.hero-review-card-white .review-avatar,
.hero-review-card-coral .review-avatar {
  background: #0B1026;
  color: #FFFFFF;
}

.review-meta {
  display: flex;
  flex-direction: column;
  gap: 1px;
}

.review-name {
  font-weight: 700;
  font-size: 14px;
}

.review-source {
  font-size: 12px;
  opacity: 0.45;
  font-weight: 500;
}

/* Carousel dots — minimal */
.hero-carousel-dots {
  display: flex;
  gap: 6px;
  margin-bottom: 28px;
}

.hero-carousel-dot {
  width: 24px;
  height: 3px;
  border-radius: 2px;
  background: rgba(255, 255, 255, 0.3);
  border: none;
  padding: 0;
  cursor: pointer;
  transition: background 0.4s, width 0.4s;
}

.hero-carousel-dot.active {
  background: #FFFFFF;
  width: 36px;
}

/* Google line — clean, no box */
.hero-google-badge {
  display: flex;
  align-items: center;
  gap: 10px;
}

.hero-google-badge-g {
  flex-shrink: 0;
}

.hero-google-badge-stars {
  display: flex;
  gap: 2px;
}

.hero-google-badge-stars svg {
  width: 16px;
  height: 16px;
  fill: #FBBC04;
}

.hero-google-badge-text {
  font-size: 13px;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.85);
  text-shadow: 0 1px 2px rgba(0,0,0,0.1);
}

.hero-google-badge-text span {
  font-weight: 400;
  color: rgba(255, 255, 255, 0.6);
}

/* Mobile adjustments */
@media (max-width: 767px) {
  .hero-buttons {
    display: none;
  }

  .hero-inner {
    gap: 16px;
    padding-bottom: 80px;
  }

  .hero-content p {
    margin-bottom: 0;
  }

  .hero-trust-panel {
    max-width: 100%;
    gap: 18px;
    margin-top: 8px;
  }

  .hero-review-carousel,
  .hero-carousel-dots {
    display: none;
  }

  .hero-google-badge {
    order: 1;
  }

  .tp-badge-compact {
    order: 2;
    margin-bottom: 0;
  }

  .hero-google-badge,
  .tp-badge-compact {
    flex-wrap: wrap;
    row-gap: 4px;
  }

  .tp-badge-compact {
    row-gap: 14px;
  }

  .hero-google-badge-text,
  .tp-badge-text {
    flex-basis: 100%;
  }
}

/* Section 2 removed — reviews now in hero only */

/* ========================================
   SECTION 3: LENDER COMPARISON / CARDS
   ======================================== */
.lenders-section {
  background: #0B1026;
  overflow: hidden;
  position: relative;
  z-index: 1;
}

.lenders-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 56px;
}

.lenders-header .eyebrow {
  color: #E7B457;
}

.card-track-wrapper {
  position: relative;
  margin: 0 -24px;
  padding: 0 24px;
  overflow: hidden;
  mask-image: linear-gradient(to right, transparent, black 5%, black 95%, transparent);
  -webkit-mask-image: linear-gradient(to right, transparent, black 5%, black 95%, transparent);
}

.card-track {
  display: flex;
  gap: 20px;
  width: max-content;
  will-change: transform;
}

.mortgage-type-card {
  flex-shrink: 0;
  width: 280px;
  border-radius: 16px;
  overflow: hidden;
  background: #FFFFFF;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
  cursor: default;
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
}

.mortgage-type-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.1);
}

/* Card header bar */
.mtc-header {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 10px 18px;
}

.mtc-header svg {
  width: 15px;
  height: 15px;
  flex-shrink: 0;
}

.mtc-header span {
  font-size: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  line-height: 1.2;
}

/* Header colour variants */
.mtc-header-mustard { background: #E7B457; color: #0B1026; }
.mtc-header-mustard svg { stroke: #0B1026; }
.mtc-header-teal { background: #2F766E; color: #FFFFFF; }
.mtc-header-teal svg { stroke: #FFFFFF; }
.mtc-header-coral { background: #D4391C; color: #FFFFFF; }
.mtc-header-coral svg { stroke: #FFFFFF; }
.mtc-header-blue { background: #4A6FA5; color: #FFFFFF; }
.mtc-header-blue svg { stroke: #FFFFFF; }
.mtc-header-cream { background: #c49539; color: #FFFFFF; }
.mtc-header-cream svg { stroke: #FFFFFF; }
.mtc-header-blush { background: #b8848a; color: #FFFFFF; }
.mtc-header-blush svg { stroke: #FFFFFF; }
.mtc-header-navy { background: #0B1026; color: #FFFFFF; }
.mtc-header-navy svg { stroke: #FFFFFF; }
.mtc-header-sage { background: #5a8a52; color: #FFFFFF; }
.mtc-header-sage svg { stroke: #FFFFFF; }

/* Card body */
.mtc-body {
  padding: 16px 18px 20px;
}

.mtc-title {
  font-family: 'DM Serif Display', serif;
  font-size: 20px;
  line-height: 1.2;
  color: #0B1026;
  margin-bottom: 8px;
}

.mtc-tag {
  display: inline-block;
  font-size: 12px;
  font-weight: 600;
  padding: 4px 11px;
  border-radius: 6px;
  margin-bottom: 10px;
  line-height: 1.3;
}

/* Tag colour variants */
.mtc-tag-mustard { background: rgba(231, 180, 87, 0.18); color: #8a6520; }
.mtc-tag-teal { background: rgba(47, 118, 110, 0.12); color: #2F766E; }
.mtc-tag-coral { background: rgba(212, 57, 28, 0.1); color: #b03018; }
.mtc-tag-blue { background: rgba(74, 111, 165, 0.12); color: #3a5a8a; }
.mtc-tag-cream { background: rgba(196, 149, 57, 0.12); color: #8a6520; }
.mtc-tag-blush { background: rgba(184, 132, 138, 0.15); color: #8a5a60; }
.mtc-tag-navy { background: rgba(11, 16, 38, 0.08); color: #0B1026; }
.mtc-tag-sage { background: rgba(90, 138, 82, 0.12); color: #3d6836; }

.mtc-desc {
  font-size: 13.5px;
  line-height: 1.5;
  color: #64748b;
}

/* Override .text-white cascade inside white card bodies */
.mortgage-type-card .mtc-body .mtc-title { color: #0B1026; }
.mortgage-type-card .mtc-body .mtc-desc { color: #64748b; }

/* ========================================
   SECTION 4: PROCESS / BENEFITS
   ======================================== */
.process-section {
  background: #F5EFE6;
}

.process-section.section-padding {
  padding: 72px 0;
}

@media (min-width: 768px) {
  .process-section.section-padding {
    padding: 80px 0;
  }
}

.process-header {
  text-align: center;
  max-width: 600px;
  margin: 0 auto 36px;
}

.process-header .eyebrow {
  color: #2F766E;
}

.process-header p {
  margin-top: 16px;
  font-size: 18px;
}

.process-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
}

@media (min-width: 640px) {
  .process-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 960px) {
  .process-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.process-card {
  background: #FFFFFF;
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.04);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.process-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.08);
}

/* Step header bar */
.pc-header {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 18px;
}

.pc-header svg {
  width: 15px;
  height: 15px;
  flex-shrink: 0;
}

.pc-header span {
  font-size: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  line-height: 1.2;
}

.pc-header-mustard { background: #E7B457; color: #0B1026; }
.pc-header-mustard svg { stroke: #0B1026; }
.pc-header-teal { background: #2F766E; color: #FFFFFF; }
.pc-header-teal svg { stroke: #FFFFFF; }
.pc-header-navy { background: #0B1026; color: #FFFFFF; }
.pc-header-navy svg { stroke: #FFFFFF; }

/* Step body */
.pc-body {
  padding: 18px 20px 22px;
}

.pc-body h3 {
  font-family: 'DM Serif Display', serif;
  font-size: 21px;
  line-height: 1.2;
  color: #0B1026;
  margin-bottom: 10px;
}

.pc-tag {
  display: inline-block;
  font-size: 12px;
  font-weight: 600;
  padding: 4px 11px;
  border-radius: 6px;
  margin-bottom: 12px;
  line-height: 1.3;
}

.pc-tag-mustard { background: rgba(231, 180, 87, 0.18); color: #8a6520; }
.pc-tag-teal { background: rgba(47, 118, 110, 0.12); color: #2F766E; }
.pc-tag-navy { background: rgba(11, 16, 38, 0.08); color: #0B1026; }

.pc-body p {
  font-size: 14px;
  line-height: 1.6;
  color: #64748b;
}

/* ========================================
   SECTION 5: TEAM / HUMAN
   ======================================== */
.team-section {
  background: #0B1026;
  padding: 28px 0 48px;
}

.team-content {
  text-align: center;
  max-width: 1000px;
  margin: 0 auto;
}

.team-faces {
  display: flex;
  justify-content: center;
  align-items: center;
  margin: 0 auto 28px;
  gap: 0;
}

.team-faces picture {
  width: 220px;
  margin: 0 -18px;
  flex-shrink: 0;
  line-height: 0;
}

.team-faces img {
  width: 100%;
  height: auto;
  display: block;
}

.team-content h2 {
  font-family: 'DM Serif Display', serif;
  font-size: 38px;
  color: #FFFFFF;
  margin-bottom: 14px;
}

.type-cycle {
  color: #E7B457;
  white-space: nowrap;
}

.team-content h2 .type-line {
  display: inline;
}

@media (max-width: 640px) {
  .team-content h2 .type-line {
    display: block;
  }
}

.type-cycle::after {
  content: '';
  display: inline-block;
  width: 2px;
  height: 0.85em;
  background: currentColor;
  margin-left: 4px;
  vertical-align: -0.05em;
  animation: typeCaretBlink 0.95s steps(1) infinite;
}

@keyframes typeCaretBlink {
  0%, 50% { opacity: 1; }
  50.01%, 100% { opacity: 0; }
}

@media (prefers-reduced-motion: reduce) {
  .type-cycle::after { animation: none; opacity: 0; }
}

.team-content p {
  font-size: 17px;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.7);
}

@media (max-width: 640px) {
  .team-faces picture {
    width: 120px;
    margin: 0 -14px;
  }
  .team-content h2 {
    font-size: 28px;
  }
  .team-section {
    padding: 24px 0 32px;
  }
}

/* ========================================
   SECTION 5b: REVIEWS — GOOGLE WIDGET
   ======================================== */
.reviews-section {
  background: #F5EFE6;
  padding: 40px 0 48px;
}

/* Widget row */
.tp-widget {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 28px;
}

@media (min-width: 768px) {
  .tp-widget {
    flex-direction: row;
    align-items: center;
    gap: 40px;
  }
}

/* Left Google rating pyramid */
.tp-summary {
  text-align: center;
  flex-shrink: 0;
  padding: 4px 0;
}

.tp-summary-logo svg {
  width: 48px;
  height: 48px;
  margin-bottom: 8px;
}

.tp-summary-stars {
  display: flex;
  justify-content: center;
  gap: 3px;
  margin-bottom: 8px;
}

.tp-summary-stars svg {
  width: 24px;
  height: 24px;
  fill: #FBBC04;
}

.tp-summary-text {
  font-size: 14px;
  color: #0B1026;
  line-height: 1.4;
}

.tp-summary-text strong {
  font-weight: 700;
}

/* Review cards */
.tp-cards {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
  flex: 1;
  min-width: 0;
  position: relative;
}

.tp-cards-track {
  display: contents;
}

.tp-card-clone {
  display: none;
}

/* Mobile carousel: show one card at a time */
@media (max-width: 767px) {
  .tp-cards {
    display: block;
    overflow: hidden;
    position: relative;
  }
  .tp-cards .tp-card {
    display: none;
  }
  .tp-cards .tp-card.tp-card-active {
    display: block;
  }
}

/* Desktop: 3-up continuous marquee */
@media (min-width: 768px) {
  .tp-cards {
    display: block;
    overflow: hidden;
    container-type: inline-size;
    -webkit-mask-image: linear-gradient(to right, transparent 0%, #000 4%, #000 96%, transparent 100%);
    mask-image: linear-gradient(to right, transparent 0%, #000 4%, #000 96%, transparent 100%);
  }
  .tp-cards-track {
    display: flex;
    gap: 16px;
    width: max-content;
    animation: tp-scroll 48s linear infinite;
    will-change: transform;
  }
  .tp-cards .tp-card {
    display: flex !important;
    flex-direction: column;
    flex: 0 0 calc((100cqw - 32px) / 3);
    width: calc((100cqw - 32px) / 3);
  }
  .tp-cards .tp-card-clone {
    display: flex !important;
  }

  @keyframes tp-scroll {
    from { transform: translateX(0); }
    to { transform: translateX(calc(-50% - 8px)); }
  }
}

@media (prefers-reduced-motion: reduce) {
  .tp-cards-track { animation: none; }
}

/* Review carousel dots (mobile only) */
.tp-carousel-dots {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-top: 16px;
}
@media (min-width: 768px) {
  .tp-carousel-dots { display: none; }
}
.tp-carousel-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  border: none;
  background: #cbd5e1;
  cursor: pointer;
  padding: 0;
  transition: background 0.2s ease, transform 0.2s ease;
}
.tp-carousel-dot.active {
  background: #0B1026;
  transform: scale(1.2);
}

.tp-card {
  background: #FFFFFF;
  border: 1px solid #e2e8f0;
  border-radius: 8px;
  padding: 20px;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.tp-card:hover {
  transform: none;
}

.tp-card-stars {
  display: flex;
  gap: 3px;
  margin-bottom: 12px;
}

.tp-card-stars svg {
  width: 18px;
  height: 18px;
  fill: #FBBC04;
}

.tp-card-title {
  font-family: 'DM Serif Display', serif;
  font-weight: 400;
  font-size: 14px;
  color: #0B1026;
  margin: 0 0 8px;
  line-height: 1.3;
}

.tp-card-text {
  font-size: 14px;
  color: #64748b;
  line-height: 1.55;
  margin: 0 0 14px;
}

.tp-card-author {
  font-size: 13px;
  color: #0B1026;
  font-weight: 600;
}

.tp-card-date {
  color: #94a3b8;
  font-weight: 400;
}

.tp-footer-text {
  text-align: center;
  font-size: 13px;
  color: #94a3b8;
  margin-top: 20px;
}

/* ========================================
   SECTION 6: LOCAL SEO CONTENT
   ======================================== */
.seo-section {
  background: #FFFFFF;
}

.seo-section-dark {
  background: #0B1026;
}

.seo-section-dark .local-market .lm-eyebrow {
  color: #E7B457;
}

.seo-section-dark .local-market h3 {
  color: #FFFFFF;
}

.seo-section-dark .local-market p {
  color: rgba(255, 255, 255, 0.78);
}

.seo-section-dark .lm-stat {
  background: rgba(255, 255, 255, 0.05);
  border-color: rgba(255, 255, 255, 0.12);
}

.seo-section-dark .lm-stat-num {
  color: #E7B457;
}

.seo-section-dark .lm-stat-label {
  color: rgba(255, 255, 255, 0.7);
}

.seo-inner {
  max-width: 1140px;
  margin: 0 auto;
}

.seo-inner h2 {
  margin-bottom: 32px;
  text-align: center;
}

.seo-inner .seo-subheading {
  font-family: 'DM Serif Display', serif;
  font-weight: 400;
  font-size: clamp(22px, 2.5vw, 28px);
  line-height: 1.3;
  color: #0B1026;
  margin: 44px 0 16px;
  text-align: left;
}

.seo-inner .eyebrow {
  text-align: center;
  color: #2F766E;
}

.seo-content p {
  margin-bottom: 24px;
  font-size: 17px;
  line-height: 1.75;
}

.seo-intro {
  max-width: 1100px;
  margin: 0 auto 36px;
  padding: 36px 48px;
  background: #FAF6EE;
  border-radius: 20px;
}

.seo-intro p {
  margin-bottom: 18px;
  font-size: 17px;
  line-height: 1.7;
  text-align: left;
}

.seo-intro p:last-child {
  margin-bottom: 0;
}

/* --- Local market split: copy + scrolling image marquee --- */
.local-market {
  display: grid;
  grid-template-columns: 1fr;
  gap: 36px;
  align-items: center;
  max-width: 1180px;
  margin: 0 auto 56px;
}

@media (min-width: 900px) {
  .local-market {
    grid-template-columns: 1.05fr 1fr;
    gap: 64px;
  }
}

.local-market .lm-eyebrow {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: #2F766E;
  margin-bottom: 14px;
  display: block;
}

.local-market h3 {
  font-family: 'DM Serif Display', serif;
  font-weight: 400;
  font-size: clamp(28px, 3vw, 40px);
  line-height: 1.15;
  color: #0B1026;
  margin: 0 0 20px;
  letter-spacing: -0.01em;
}

.local-market p {
  font-size: 17px;
  line-height: 1.75;
  color: #475569;
  margin: 0 0 16px;
}

.lm-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin: 28px 0 28px;
}

.lm-stat {
  padding: 18px 20px;
  background: #FAF6EE;
  border-radius: 14px;
  border: 1px solid rgba(11, 16, 38, 0.06);
}

.lm-stat-num {
  font-family: 'DM Serif Display', serif;
  font-size: 30px;
  line-height: 1.1;
  color: #2F766E;
  letter-spacing: -0.01em;
}

.lm-stat-label {
  font-size: 13px;
  color: #475569;
  margin-top: 4px;
  line-height: 1.4;
}

.lm-cta {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.lm-cta .btn {
  padding: 14px 22px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 15px;
  transition: transform 0.2s ease, background 0.2s ease, border-color 0.2s ease;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.lm-cta .btn-gold {
  background: #E7B457;
  color: #0B1026;
}

.lm-cta .btn-gold:hover {
  background: #d4a24a;
  transform: translateY(-1px);
}

.lm-cta .btn-outline {
  background: #FFFFFF;
  color: #0B1026;
  border: 1.5px solid rgba(11, 16, 38, 0.18);
}

.lm-cta .btn-outline:hover {
  border-color: #0B1026;
  transform: translateY(-1px);
}

/* Marquee */
.lm-marquee {
  position: relative;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  height: 560px;
  overflow: hidden;
  border-radius: 18px;
  -webkit-mask-image: linear-gradient(to bottom, transparent 0%, #000 9%, #000 91%, transparent 100%);
  mask-image: linear-gradient(to bottom, transparent 0%, #000 9%, #000 91%, transparent 100%);
}

.lm-col {
  display: flex;
  flex-direction: column;
  gap: 14px;
  will-change: transform;
}

.lm-col-up {
  animation: lm-scroll-up 42s linear infinite;
}

.lm-col-down {
  animation: lm-scroll-down 32s linear infinite;
}

@keyframes lm-scroll-up {
  from { transform: translateY(0); }
  to { transform: translateY(-50%); }
}

@keyframes lm-scroll-down {
  from { transform: translateY(-50%); }
  to { transform: translateY(0); }
}

.lm-col img {
  width: 100%;
  aspect-ratio: 3 / 4;
  object-fit: cover;
  border-radius: 14px;
  filter: grayscale(100%) contrast(1.02);
  display: block;
}

@media (max-width: 899px) {
  .lm-marquee {
    height: 460px;
  }
}

@media (max-width: 480px) {
  .lm-marquee {
    height: 380px;
    gap: 10px;
  }
  .lm-col { gap: 10px; }
  .lm-col img { border-radius: 10px; }
}

@media (prefers-reduced-motion: reduce) {
  .lm-col-up, .lm-col-down { animation: none; }
}

.seo-highlights {
  display: grid;
  grid-template-columns: 1fr;
  gap: 12px;
  margin: 32px 0;
  padding: 28px 24px;
  background: #FFFFFF;
  border-radius: 18px;
}

@media (min-width: 640px) {
  .seo-highlights {
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    padding: 32px;
  }
}

.seo-highlight {
  display: flex;
  align-items: flex-start;
  gap: 12px;
}

.seo-highlight .sh-icon {
  flex-shrink: 0;
  width: 32px;
  height: 32px;
  border-radius: 10px;
  background: rgba(47, 118, 110, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
}

.seo-highlight .sh-icon svg {
  width: 16px;
  height: 16px;
  stroke: #2F766E;
}

.seo-highlight span {
  font-size: 15px;
  font-weight: 500;
  color: #0F172A;
  line-height: 1.4;
}

/* --- Scenario pill-tab cards --- */
.scenarios-block {
  margin: 44px 0 36px;
}

.scenarios-heading {
  font-family: 'DM Serif Display', serif;
  font-weight: 400;
  font-size: clamp(22px, 2.5vw, 28px);
  line-height: 1.3;
  color: #0B1026;
  margin: 0 0 8px;
  text-align: left;
}

.scenarios-sub {
  font-size: 15px;
  color: #475569;
  margin: 0 0 20px;
  line-height: 1.6;
  text-align: center;
}

.scenario-panels {
  overflow: hidden;
  max-width: 540px;
  margin: 0 auto;
  padding: 6px 0;
}

.scenario-track {
  display: flex;
  gap: 20px;
  transition: transform 0.5s cubic-bezier(0.4, 0, 0.2, 1);
  will-change: transform;
}

.scenario-dots {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-top: 18px;
}

.scenario-dot {
  width: 8px;
  height: 8px;
  padding: 0;
  border: none;
  border-radius: 999px;
  background: rgba(11, 16, 38, 0.18);
  cursor: pointer;
  transition: background 0.25s ease, width 0.25s ease;
}

.scenario-dot:hover {
  background: rgba(47, 118, 110, 0.55);
}

.scenario-dot.is-active {
  background: #2F766E;
  width: 24px;
}

.scenario-dot:focus-visible {
  outline: 2px solid #2F766E;
  outline-offset: 3px;
}

.scenario-panel.mortgage-type-card {
  flex: 0 0 78%;
  width: 78%;
  opacity: 0.45;
  transition: opacity 0.4s ease;
}

@media (min-width: 640px) {
  .scenario-panel.mortgage-type-card {
    flex-basis: 360px;
    width: 360px;
  }
}

.scenario-panel.mortgage-type-card.is-active {
  opacity: 1;
}

.scenario-panel.mortgage-type-card:hover {
  transform: none;
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
}

@keyframes scenarioFade {
  from { opacity: 0; transform: translateY(4px); }
  to { opacity: 1; transform: translateY(0); }
}

.scenario-panel .mtc-desc {
  font-size: 14px;
  line-height: 1.6;
}

/* ========================================
   SECTION 7: FAQ
   ======================================== */
.faq-section {
  background: #FFFFFF;
}

.faq-header {
  text-align: center;
  max-width: 560px;
  margin: 0 auto 48px;
}

.faq-header .eyebrow {
  color: #E7B457;
}

.faq-list {
  max-width: 1000px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr;
  gap: 0 40px;
  align-items: start;
}

@media (min-width: 768px) {
  .faq-list {
    grid-template-columns: 1fr 1fr;
  }
}

.faq-item {
  border-bottom: 1px solid #e2e8f0;
}

/* Hide questions 5+ by default — toggle button reveals them.
   All 10 stay in the HTML so search engines & screen readers see everything. */
.faq-list .faq-item:nth-child(n+5) {
  display: none;
}
.faq-list.is-expanded .faq-item:nth-child(n+5) {
  display: block;
}

.faq-toggle-wrap {
  text-align: center;
  margin-top: 32px;
}

.faq-toggle {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 28px;
  border-radius: 999px;
  background: transparent;
  color: #0B1026;
  border: 1.5px solid rgba(11, 16, 38, 0.25);
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 15px;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.2s ease, border-color 0.2s ease, transform 0.2s ease;
}

.faq-toggle:hover,
.faq-toggle:focus-visible {
  background: rgba(11, 16, 38, 0.06);
  border-color: #0B1026;
  transform: translateY(-1px);
}

.faq-toggle-arrow {
  display: inline-block;
  transition: transform 0.2s ease;
}

.faq-toggle[aria-expanded="true"] .faq-toggle-arrow {
  transform: rotate(180deg);
}

.faq-question {
  width: 100%;
  text-align: left;
  padding: 24px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 17px;
  font-weight: 600;
  color: #0F172A;
  line-height: 1.4;
  transition: color 0.2s;
}

.faq-question:hover {
  color: #2F766E;
}

.faq-question:focus-visible {
  outline: 2px solid #2F766E;
  outline-offset: 4px;
  border-radius: 4px;
}

.faq-icon {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: #F5EFE6;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: transform 0.3s ease, background 0.3s ease;
}

.faq-item.active .faq-icon {
  transform: rotate(45deg);
  background: #2F766E;
}

.faq-icon svg {
  width: 14px;
  height: 14px;
  stroke: #0F172A;
  transition: stroke 0.3s ease;
}

.faq-item.active .faq-icon svg {
  stroke: #FFFFFF;
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s cubic-bezier(0.4, 0, 0.2, 1), padding 0.3s ease;
}

.faq-answer-inner {
  padding: 0 0 24px;
}

.faq-answer p {
  font-size: 16px;
  line-height: 1.7;
  color: #475569;
}

/* Tighter FAQ on mobile to save vertical space */
@media (max-width: 767px) {
  .faq-section.section-padding {
    padding: 56px 0;
  }

  .faq-header {
    margin-bottom: 24px;
  }

  .faq-question {
    padding: 14px 0;
    font-size: 15px;
    gap: 12px;
  }

  .faq-icon {
    width: 24px;
    height: 24px;
  }

  .faq-answer-inner {
    padding-bottom: 16px;
  }

  .faq-answer p {
    font-size: 15px;
    line-height: 1.6;
  }
}

/* ========================================
   SECTION 8: FINAL CTA + RESOURCES
   ======================================== */
.cta-section {
  background: #2F766E;
  overflow: hidden;
}

.advisor-cta-section {
  background: #2F766E;
}

.advisor-cta-inner {
  text-align: center;
  max-width: 720px;
  margin: 0 auto;
}

.advisor-cta-inner .eyebrow {
  color: #E7B457;
}

.advisor-cta-inner h2 {
  color: #FFFFFF;
  margin-bottom: 16px;
}

.advisor-cta-inner > p {
  color: rgba(255, 255, 255, 0.75);
  font-size: 18px;
  line-height: 1.55;
  margin-bottom: 32px;
}

.advisor-cta-inner .btn {
  margin-bottom: 0;
}

.cta-split {
  display: grid;
  grid-template-columns: 1fr;
  gap: 48px;
  align-items: center;
}

@media (min-width: 768px) {
  .cta-split {
    grid-template-columns: 1fr 1fr;
    gap: 64px;
  }
}

/* Left: CTA copy */
.cta-copy {
  text-align: center;
}

@media (min-width: 768px) {
  .cta-copy {
    text-align: left;
  }
}

.cta-copy .eyebrow {
  color: #E7B457;
}

.cta-copy h2 {
  color: #FFFFFF;
  margin-bottom: 16px;
}

.cta-copy > p {
  color: rgba(255, 255, 255, 0.65);
  font-size: 18px;
  margin-bottom: 32px;
}

.cta-copy .btn {
  margin-bottom: 0;
}

.cta-micro {
  margin-top: 16px;
  margin-bottom: 0;
  font-size: 14px;
  font-style: italic;
  color: rgba(255, 255, 255, 0.4) !important;
  font-family: 'Caveat', cursive;
  font-weight: 500;
  letter-spacing: 0.02em;
}

/* Tembo-style guide cards */
.cta-resources-block {
  min-width: 0;
  max-width: 1100px;
  margin: 0 auto;
}

.cta-resources-heading {
  display: block;
  color: #FFFFFF;
  margin: 0 0 12px;
  text-align: center;
}

.cta-resources-sub {
  display: block;
  color: rgba(255, 255, 255, 0.75);
  font-size: 17px;
  line-height: 1.5;
  margin: 0 0 36px;
  text-align: center;
}

.cta-resources {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
}

@media (min-width: 768px) {
  .cta-resources {
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
  }
}

@media (max-width: 767px) {
  .cta-resources {
    width: 100%;
    min-width: 0;
    display: flex;
    overflow-x: auto;
    scroll-snap-type: x mandatory;
    gap: 12px;
    padding-bottom: 8px;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
  }

  .cta-resources::-webkit-scrollbar {
    display: none;
  }

  .cta-resources > .guide-card {
    flex: 0 0 78%;
    scroll-snap-align: start;
  }
}

.guide-card {
  text-decoration: none;
  display: flex;
  flex-direction: column;
  position: relative;
  background: transparent;
  border: none;
}

/* Image area */
.guide-card-img {
  height: 220px;
  position: relative;
  overflow: hidden;
  border-radius: 24px 24px 24px 0;
}

.guide-card-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.4s ease;
}

.guide-card:hover .guide-card-img img {
  transform: scale(1.03);
}

/* Category pill — positioned overlapping image */
.guide-card-tag {
  position: absolute;
  bottom: 14px;
  left: 14px;
  font-size: 11px;
  font-weight: 700;
  padding: 6px 12px;
  border-radius: 999px;
  line-height: 1;
  letter-spacing: 0.02em;
}

.guide-tag-teal { background: #2F766E; color: #FFFFFF; }
.guide-tag-coral { background: #E88B8B; color: #0B1026; }
.guide-tag-mustard { background: #E7B457; color: #0B1026; }
.guide-tag-blue { background: #4A7BF7; color: #FFFFFF; }

/* Card body */
.guide-card-body {
  padding: 20px 4px 0;
  background: transparent;
  flex: 1;
  display: flex;
  flex-direction: column;
}

.guide-card-body h4 {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 22px;
  font-weight: 700;
  color: #FFFFFF;
  margin: 0 0 12px;
  line-height: 1.25;
  letter-spacing: -0.01em;
  min-height: 2.5em;
}

.guide-card-excerpt {
  font-size: 15px;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.78);
  margin: 0 0 18px;
  flex: 1;
}

.guide-card-read {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 14px;
  font-weight: 700;
  color: #E7B457;
  letter-spacing: 0.01em;
  transition: color 0.2s ease;
}

.guide-card:hover .guide-card-read {
  color: #FFFFFF;
}

.guides-see-all-wrap {
  text-align: center;
  margin-top: 40px;
}

.guides-see-all {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 999px;
  background: transparent;
  color: #FFFFFF;
  border: 1.5px solid rgba(255, 255, 255, 0.4);
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 15px;
  font-weight: 600;
  text-decoration: none;
  transition: background 0.2s ease, border-color 0.2s ease, transform 0.2s ease;
}

.guides-see-all:hover {
  background: rgba(255, 255, 255, 0.1);
  border-color: #FFFFFF;
}

@media (max-width: 480px) {
  .guide-card-img {
    height: 180px;
    border-radius: 20px;
  }
  .guide-card-body h4 {
    font-size: 19px;
  }
}

/* Homepage-only reduced-motion override */
@media (prefers-reduced-motion: reduce) {
  .card-track {
    animation: none !important;
  }
}