:root {
  --paper: #f6f8f7;
  --paper-2: #eef3f1;
  --ink: #121a1c;
  --mute: #5c6b6f;
  --line: rgba(18, 26, 28, 0.1);
  --brand: #10282c;
  --accent: #1aa6a0;
  --accent-2: #0e7f7a;
  --warn: #9a3f2d;
  --white: #ffffff;
  --display: "Fraunces", Georgia, serif;
  --sans: "Sora", sans-serif;
  --max: 1180px;
}

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

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--sans);
  color: var(--ink);
  background:
    radial-gradient(1100px 600px at 0% -10%, rgba(26, 166, 160, 0.12), transparent 55%),
    radial-gradient(900px 500px at 100% 0%, rgba(16, 40, 44, 0.06), transparent 45%),
    linear-gradient(180deg, #ffffff 0%, var(--paper) 42%, var(--paper-2) 100%);
  line-height: 1.55;
  min-height: 100vh;
}

img {
  max-width: 100%;
  display: block;
}

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

button,
input,
select,
textarea {
  font: inherit;
}

.skip {
  position: absolute;
  left: -999px;
}

.skip:focus {
  left: 1rem;
  top: 1rem;
  z-index: 99;
  background: #fff;
  padding: 0.5rem 0.75rem;
}

.wrap {
  width: min(var(--max), calc(100% - 2.5rem));
  margin-inline: auto;
}

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(246, 248, 247, 0.82);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--line);
}

.header-inner {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 1.5rem;
  min-height: 78px;
}

.brand {
  font-family: var(--display);
  font-size: 1.65rem;
  font-weight: 600;
  letter-spacing: -0.03em;
  color: var(--brand);
  line-height: 1;
}

.brand em {
  font-style: italic;
  color: var(--accent-2);
  font-weight: 500;
}

.nav {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 0.15rem;
}

.nav > a,
.nav-trigger {
  appearance: none;
  border: 0;
  background: transparent;
  color: var(--ink);
  font-size: 0.92rem;
  font-weight: 500;
  padding: 0.65rem 0.9rem;
  cursor: pointer;
  position: relative;
}

.nav > a:hover,
.nav-trigger:hover {
  color: var(--accent-2);
}

.nav-item {
  position: relative;
}

.nav-panel {
  opacity: 0;
  pointer-events: none;
  transform: translateY(8px);
  position: absolute;
  top: calc(100% + 0.85rem);
  left: 50%;
  translate: -50% 0;
  width: min(860px, 92vw);
  background: #fff;
  border: 1px solid var(--line);
  display: grid;
  grid-template-columns: 240px 1fr;
  overflow: hidden;
  transition: opacity 0.2s ease, transform 0.2s ease;
}

.nav-item.is-open .nav-panel {
  opacity: 1;
  pointer-events: auto;
  transform: translateY(0);
}

.nav-cats {
  background: var(--brand);
  color: rgba(255, 255, 255, 0.78);
  padding: 0.85rem;
  display: grid;
  gap: 0.2rem;
  align-content: start;
}

.nav-cat {
  appearance: none;
  border: 0;
  background: transparent;
  color: inherit;
  text-align: left;
  padding: 0.8rem 0.85rem;
  font-weight: 500;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  gap: 0.5rem;
}

.nav-cat.is-active,
.nav-cat:hover,
a.nav-cat:hover {
  background: rgba(26, 166, 160, 0.18);
  color: #fff;
}

.nav-links {
  display: none;
  padding: 0.85rem;
  gap: 0.15rem;
}

.nav-links.is-active {
  display: grid;
}

.nav-links a {
  padding: 0.75rem 0.85rem;
  font-weight: 500;
  border-bottom: 1px solid transparent;
}

.nav-links a:hover {
  background: rgba(26, 166, 160, 0.08);
  color: var(--accent-2);
}

.header-actions {
  display: flex;
  gap: 0.5rem;
  align-items: center;
}

.menu-toggle {
  display: none;
  border: 1px solid var(--line);
  background: #fff;
  width: 44px;
  height: 44px;
  cursor: pointer;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.45rem;
  min-height: 46px;
  padding: 0.7rem 1.15rem;
  border: 1px solid transparent;
  font-weight: 600;
  font-size: 0.9rem;
  cursor: pointer;
  transition: background 0.2s ease, color 0.2s ease, border-color 0.2s ease, transform 0.15s ease;
}

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

.btn-accent {
  background: var(--accent);
  color: #062523;
}

.btn-accent:hover {
  background: #23b8b1;
}

.btn-ink {
  background: var(--brand);
  color: #fff;
}

.btn-ink:hover {
  background: #18363b;
}

.btn-line {
  background: transparent;
  border-color: var(--line);
  color: var(--brand);
}

.btn-line:hover {
  border-color: var(--accent-2);
  color: var(--accent-2);
}

/* Hero — one composition, brand first, full-bleed plane */
.hero {
  position: relative;
  min-height: 100vh;
  display: grid;
  align-items: end;
  overflow: hidden;
  color: #f4fffd;
}

.hero-plane {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(115deg, rgba(10, 28, 31, 0.92) 8%, rgba(10, 28, 31, 0.55) 48%, rgba(26, 166, 160, 0.35) 100%),
    linear-gradient(180deg, #0c2226 0%, #13474a 48%, #1aa6a0 140%);
}

.hero-plane::before {
  content: "";
  position: absolute;
  inset: -20%;
  background:
    radial-gradient(circle at 70% 35%, rgba(255, 255, 255, 0.16), transparent 28%),
    repeating-linear-gradient(
      -18deg,
      transparent 0 18px,
      rgba(255, 255, 255, 0.035) 18px 19px
    );
  animation: drift 28s linear infinite;
}

.hero-plane::after {
  content: "";
  position: absolute;
  width: 120vmax;
  height: 120vmax;
  right: -35vmax;
  bottom: -55vmax;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, 0.12);
  box-shadow:
    0 0 0 80px rgba(255, 255, 255, 0.03),
    0 0 0 160px rgba(255, 255, 255, 0.025);
  animation: float-ring 16s ease-in-out infinite;
}

.hero-content {
  position: relative;
  z-index: 1;
  width: min(var(--max), calc(100% - 2.5rem));
  margin: 0 auto;
  padding: 8rem 0 4.5rem;
}

.hero-brand {
  margin: 0 0 1.4rem;
  font-family: var(--display);
  font-size: clamp(3.4rem, 12vw, 6.4rem);
  font-weight: 600;
  letter-spacing: -0.045em;
  line-height: 0.9;
  animation: rise 0.85s cubic-bezier(0.22, 1, 0.36, 1) both;
}

.hero-brand em {
  font-style: italic;
  color: #9af0eb;
  font-weight: 500;
}

.hero h1 {
  margin: 0;
  max-width: 16ch;
  font-family: var(--display);
  font-size: clamp(1.55rem, 3.6vw, 2.35rem);
  font-weight: 500;
  letter-spacing: -0.03em;
  line-height: 1.15;
  animation: rise 0.95s cubic-bezier(0.22, 1, 0.36, 1) 0.08s both;
}

.hero-lead {
  margin: 1.1rem 0 1.9rem;
  max-width: 34ch;
  font-size: 1.05rem;
  color: rgba(244, 255, 253, 0.82);
  animation: rise 1.05s cubic-bezier(0.22, 1, 0.36, 1) 0.14s both;
}

.hero-cta {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  animation: rise 1.1s cubic-bezier(0.22, 1, 0.36, 1) 0.18s both;
}

.hero-cta .btn-line {
  border-color: rgba(255, 255, 255, 0.28);
  color: #fff;
}

/* Sections */
.section {
  padding: 5rem 0;
}

.section-split {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 3rem;
  align-items: end;
}

.kicker {
  margin: 0 0 0.7rem;
  font-size: 0.72rem;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  font-weight: 600;
  color: var(--accent-2);
}

.display {
  margin: 0;
  font-family: var(--display);
  font-size: clamp(2.1rem, 5vw, 3.4rem);
  font-weight: 550;
  letter-spacing: -0.035em;
  line-height: 1.05;
  color: var(--brand);
}

.lede {
  margin: 1rem 0 0;
  color: var(--mute);
  font-size: 1.05rem;
  max-width: 40ch;
}

.measure-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  margin-top: 2.5rem;
  border-top: 1px solid var(--line);
}

.measure {
  padding: 1.35rem 1.2rem 0.2rem 0;
  border-right: 1px solid var(--line);
}

.measure:last-child {
  border-right: 0;
  padding-right: 0;
}

.measure strong {
  display: block;
  font-family: var(--display);
  font-size: 2rem;
  letter-spacing: -0.03em;
  color: var(--brand);
}

.measure span {
  color: var(--mute);
  font-size: 0.9rem;
}

/* Loan index as editorial list (interactive rows) */
.loan-list {
  display: grid;
  border-top: 1px solid var(--line);
}

.loan-row {
  display: grid;
  grid-template-columns: 1.1fr 1.4fr auto;
  gap: 1rem;
  align-items: center;
  padding: 1.25rem 0;
  border-bottom: 1px solid var(--line);
  transition: padding-left 0.2s ease, color 0.2s ease;
}

.loan-row:hover {
  padding-left: 0.55rem;
  color: var(--accent-2);
}

.loan-row strong {
  font-family: var(--display);
  font-size: 1.35rem;
  font-weight: 550;
  letter-spacing: -0.02em;
}

.loan-row span {
  color: var(--mute);
  font-size: 0.95rem;
}

.loan-row b {
  font-weight: 600;
  font-size: 0.85rem;
  letter-spacing: 0.04em;
}

/* Calculator */
.calc-shell {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 1.25rem;
  align-items: stretch;
}

.calc-main,
.calc-side {
  background: rgba(255, 255, 255, 0.72);
  border: 1px solid var(--line);
  padding: 1.6rem;
  backdrop-filter: blur(8px);
}

.calc-main h2,
.calc-side h2,
.panel h2 {
  margin: 0 0 1.1rem;
  font-family: var(--display);
  font-size: 1.8rem;
  font-weight: 550;
  letter-spacing: -0.03em;
  color: var(--brand);
}

.field {
  display: grid;
  gap: 0.45rem;
  margin-bottom: 1.15rem;
}

.field-top {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  font-size: 0.9rem;
}

.field-top label {
  font-weight: 600;
}

.field-top span {
  color: var(--accent-2);
  font-weight: 600;
}

.field input[type="range"] {
  width: 100%;
  accent-color: var(--accent);
}

.results {
  display: grid;
  gap: 0.85rem;
  margin: 1.4rem 0;
  padding: 1.1rem 0;
  border-block: 1px solid var(--line);
}

.result {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
}

.result strong {
  font-family: var(--display);
  font-size: 1.2rem;
  letter-spacing: -0.02em;
}

.feature-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 0.8rem;
}

.feature-list li {
  padding-left: 1rem;
  position: relative;
  color: var(--mute);
}

.feature-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.55rem;
  width: 0.4rem;
  height: 0.4rem;
  background: var(--accent);
}

.warning {
  margin: 1rem 0 0;
  padding: 0.9rem 1rem;
  border-left: 3px solid var(--warn);
  background: rgba(154, 63, 45, 0.06);
  color: var(--warn);
  font-size: 0.88rem;
}

/* Inner pages */
.page-hero {
  padding: 4.5rem 0 3rem;
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(120deg, rgba(26, 166, 160, 0.1), transparent 45%),
    linear-gradient(180deg, rgba(16, 40, 44, 0.04), transparent);
  pointer-events: none;
}

.crumbs {
  margin: 0 0 1rem;
  color: var(--mute);
  font-size: 0.86rem;
}

.crumbs a:hover {
  color: var(--accent-2);
}

.meta {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem 1.5rem;
  margin-top: 1.25rem;
  font-weight: 600;
  color: var(--brand);
}

.two {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 2rem;
}

.panel {
  background: rgba(255, 255, 255, 0.75);
  border: 1px solid var(--line);
  padding: 1.4rem;
}

.prose h3 {
  margin: 1.7rem 0 0.55rem;
  font-family: var(--display);
  font-weight: 550;
  letter-spacing: -0.02em;
  color: var(--brand);
}

.prose p,
.prose li {
  color: var(--mute);
}

.faq details {
  border-bottom: 1px solid var(--line);
  padding: 1rem 0;
}

.faq summary {
  cursor: pointer;
  font-weight: 600;
  color: var(--brand);
}

.faq p {
  margin: 0.65rem 0 0;
  color: var(--mute);
}

.steps {
  display: grid;
  gap: 0.85rem;
  counter-reset: step;
}

.step {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 1rem;
  padding: 1.15rem 0;
  border-bottom: 1px solid var(--line);
}

.step::before {
  counter-increment: step;
  content: counter(step, decimal-leading-zero);
  font-family: var(--display);
  font-size: 1.4rem;
  color: var(--accent-2);
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.9rem;
}

.form-grid .field {
  margin-bottom: 0;
}

.form-grid .field > span.optional,
.field > span.optional {
  display: inline;
}

.form-grid input,
.form-grid select,
.form-grid textarea {
  width: 100%;
  border: 1px solid var(--line);
  border-bottom: 2px solid var(--brand);
  background: #fff;
  padding: 0.85rem 0.9rem;
  outline: none;
}

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

/* Footer */
.site-footer {
  margin-top: 2rem;
  background: var(--brand);
  color: rgba(244, 255, 253, 0.78);
  padding: 4rem 0 2rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 1.5rem;
}

.footer-brand {
  font-family: var(--display);
  font-size: 2rem;
  color: #fff;
  letter-spacing: -0.03em;
}

.footer-brand em {
  font-style: italic;
  color: #9af0eb;
}

.site-footer h3 {
  margin: 0 0 0.8rem;
  color: #fff;
  font-size: 0.78rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

.site-footer a {
  display: block;
  padding: 0.28rem 0;
  color: rgba(244, 255, 253, 0.72);
}

.site-footer a:hover {
  color: #fff;
}

.footer-note {
  margin-top: 2.5rem;
  padding-top: 1.2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  font-size: 0.84rem;
  color: rgba(244, 255, 253, 0.55);
}

@keyframes rise {
  from {
    opacity: 0;
    transform: translateY(18px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes drift {
  from {
    transform: translate3d(0, 0, 0);
  }
  to {
    transform: translate3d(40px, -28px, 0);
  }
}

@keyframes float-ring {
  0%,
  100% {
    transform: translate3d(0, 0, 0);
  }
  50% {
    transform: translate3d(-24px, -18px, 0);
  }
}

.cta-band {
  margin: 2.5rem 0 0;
  padding: 1.6rem;
  background: linear-gradient(120deg, rgba(26, 166, 160, 0.14), rgba(16, 40, 44, 0.06));
  border: 1px solid var(--line);
  display: grid;
  gap: 1rem;
  align-items: center;
}

@media (min-width: 800px) {
  .cta-band {
    grid-template-columns: 1fr auto;
  }
}

.cta-band p {
  margin: 0.35rem 0 0;
  color: var(--mute);
}

.cta-band h3 {
  margin: 0;
  font-family: var(--display);
  font-size: 1.55rem;
  letter-spacing: -0.02em;
  color: var(--brand);
}

.trust-strip {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.75rem;
  margin: 1.75rem 0 0;
}

.trust-item {
  padding: 1rem 0.85rem;
  background: rgba(255, 255, 255, 0.7);
  border-top: 2px solid var(--accent);
}

.trust-item strong {
  display: block;
  font-family: var(--display);
  font-size: 1.25rem;
  color: var(--brand);
  letter-spacing: -0.02em;
}

.trust-item span {
  color: var(--mute);
  font-size: 0.86rem;
}

.info-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
  margin-top: 1.5rem;
}

.info-block {
  padding: 1.2rem 1.15rem;
  background: rgba(255, 255, 255, 0.75);
  border: 1px solid var(--line);
}

.info-block h3 {
  margin: 0 0 0.45rem;
  font-family: var(--display);
  font-size: 1.2rem;
  color: var(--brand);
}

.info-block p {
  margin: 0;
  color: var(--mute);
  font-size: 0.95rem;
}

.apr-callout {
  display: inline-flex;
  align-items: baseline;
  gap: 0.55rem;
  margin-top: 1rem;
  padding: 0.65rem 0.9rem;
  background: rgba(26, 166, 160, 0.12);
  border-left: 3px solid var(--accent);
  color: var(--brand);
  font-weight: 600;
}

.apr-callout b {
  font-family: var(--display);
  font-size: 1.45rem;
  letter-spacing: -0.02em;
  color: var(--accent-2);
}

/* Help centre */
.help-hero .lede {
  max-width: 42rem;
}

.help-search-wrap {
  margin-top: 1.5rem;
  max-width: 32rem;
}

.help-search {
  display: grid;
  gap: 0.4rem;
}

.help-search-label {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--mute);
}

.help-search input {
  width: 100%;
  border: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.9);
  padding: 0.9rem 1rem;
  color: var(--ink);
  outline: none;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.help-search input:focus {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(26, 166, 160, 0.18);
}

.help-topics-section .section-head {
  margin-bottom: 1.25rem;
}

.help-topics-section .section-head h2 {
  margin: 0 0 0.35rem;
  font-family: var(--display);
  font-size: clamp(1.6rem, 2.4vw, 2rem);
  color: var(--brand);
}

.help-topics-section .section-head p {
  margin: 0;
  color: var(--mute);
  max-width: 36rem;
}

.help-topics {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.85rem;
}

.help-topic {
  display: grid;
  gap: 0.35rem;
  padding: 1.15rem 1.1rem 1.25rem;
  background:
    linear-gradient(165deg, rgba(255, 255, 255, 0.92), rgba(238, 243, 241, 0.85));
  border: 1px solid var(--line);
  border-top: 3px solid var(--accent);
  transition: translate 0.2s ease, border-color 0.2s ease, box-shadow 0.2s ease;
}

.help-topic:hover {
  translate: 0 -2px;
  border-color: rgba(26, 166, 160, 0.45);
  box-shadow: 0 12px 28px rgba(16, 40, 44, 0.08);
}

.help-topic-kicker {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  color: var(--accent-2);
}

.help-topic strong {
  font-family: var(--display);
  font-size: 1.2rem;
  color: var(--brand);
}

.help-topic p {
  margin: 0;
  color: var(--mute);
  font-size: 0.92rem;
}

.help-layout {
  display: grid;
  grid-template-columns: 220px minmax(0, 1fr);
  gap: 2rem;
  align-items: start;
}

.help-toc {
  position: sticky;
  top: 6rem;
  display: grid;
  gap: 0.45rem;
  padding: 1rem;
  background: rgba(255, 255, 255, 0.72);
  border: 1px solid var(--line);
}

.help-toc-title {
  margin: 0 0 0.35rem;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--mute);
}

.help-toc a {
  color: var(--brand);
  font-size: 0.92rem;
  font-weight: 500;
  padding: 0.2rem 0;
  border-bottom: 1px solid transparent;
}

.help-toc a:hover {
  color: var(--accent-2);
}

.help-toc-cta {
  margin-top: 0.55rem;
  padding-top: 0.65rem !important;
  border-top: 1px solid var(--line);
  color: var(--accent-2) !important;
  font-weight: 700 !important;
}

.help-main {
  display: grid;
  gap: 1.5rem;
}

.help-block {
  padding: 1.5rem 1.4rem 1.6rem;
  background: rgba(255, 255, 255, 0.78);
  border: 1px solid var(--line);
  scroll-margin-top: 6rem;
}

.help-block.is-dimmed {
  opacity: 0.35;
  pointer-events: none;
}

.help-block-head h2 {
  margin: 0 0 0.4rem;
  font-family: var(--display);
  font-size: clamp(1.45rem, 2.2vw, 1.85rem);
  color: var(--brand);
  letter-spacing: -0.02em;
}

.help-block-head p {
  margin: 0 0 1rem;
  color: var(--mute);
  max-width: 40rem;
}

.help-faq {
  margin-top: 1.25rem;
}

.help-faq details {
  border: 1px solid var(--line);
  border-bottom: none;
  padding: 0;
  background: rgba(246, 248, 247, 0.65);
}

.help-faq details:last-child {
  border-bottom: 1px solid var(--line);
}

.help-faq summary {
  list-style: none;
  padding: 0.95rem 1rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.help-faq summary::-webkit-details-marker {
  display: none;
}

.help-faq summary::after {
  content: "+";
  font-size: 1.2rem;
  font-weight: 500;
  color: var(--accent-2);
  flex-shrink: 0;
}

.help-faq details[open] summary::after {
  content: "–";
}

.help-faq details[open] summary {
  background: rgba(26, 166, 160, 0.08);
}

.help-faq details p {
  margin: 0;
  padding: 0 1rem 1rem;
}

.help-faq details.is-hidden {
  display: none;
}

.help-steps {
  margin: 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 0.75rem;
  counter-reset: help-step;
}

.help-steps li {
  counter-increment: help-step;
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.35rem 0.9rem;
  padding: 1rem 1rem 1.05rem;
  background: rgba(246, 248, 247, 0.8);
  border: 1px solid var(--line);
  border-left: 3px solid var(--accent);
}

.help-steps li::before {
  content: counter(help-step, decimal-leading-zero);
  grid-row: 1 / span 2;
  align-self: start;
  font-family: var(--display);
  font-size: 1.25rem;
  color: var(--accent-2);
  font-weight: 600;
}

.help-steps strong {
  color: var(--brand);
}

.help-steps span {
  color: var(--mute);
  font-size: 0.95rem;
}

.help-inline-cta {
  margin-top: 1.25rem;
  padding: 1.2rem 1.15rem;
  display: grid;
  gap: 1rem;
  align-items: center;
  background: linear-gradient(120deg, rgba(26, 166, 160, 0.14), rgba(16, 40, 44, 0.05));
  border: 1px solid var(--line);
}

.help-inline-cta h3 {
  margin: 0;
  font-family: var(--display);
  font-size: 1.35rem;
  color: var(--brand);
}

.help-inline-cta p {
  margin: 0.3rem 0 0;
  color: var(--mute);
}

.help-product-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.55rem;
  margin-bottom: 0.5rem;
}

.help-product-links a {
  padding: 0.55rem 0.8rem;
  background: rgba(246, 248, 247, 0.95);
  border: 1px solid var(--line);
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--brand);
  transition: border-color 0.15s ease, background 0.15s ease;
}

.help-product-links a:hover {
  border-color: var(--accent);
  background: rgba(26, 166, 160, 0.1);
}

.help-advice {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.85rem;
  margin-bottom: 0.35rem;
}

.help-advice-card {
  padding: 1.15rem 1.1rem;
  background:
    linear-gradient(160deg, rgba(16, 40, 44, 0.94), rgba(16, 40, 44, 0.82));
  color: #e8f2f1;
}

.help-advice-card:nth-child(2) {
  background:
    linear-gradient(160deg, rgba(14, 127, 122, 0.95), rgba(16, 40, 44, 0.88));
}

.help-advice-card h3 {
  margin: 0 0 0.4rem;
  font-family: var(--display);
  font-size: 1.25rem;
}

.help-advice-card p {
  margin: 0 0 0.85rem;
  color: rgba(232, 242, 241, 0.82);
  font-size: 0.95rem;
}

.help-advice-card a {
  font-weight: 700;
  color: #fff;
  border-bottom: 1px solid rgba(255, 255, 255, 0.35);
}

/* About page */
.about-hero .lede {
  max-width: 44rem;
}

.about-hero .display em {
  font-style: italic;
  color: var(--accent-2);
}

.about-story {
  display: grid;
  grid-template-columns: minmax(0, 1.35fr) minmax(280px, 0.85fr);
  gap: 1.5rem;
  align-items: start;
}

.about-story-copy .display {
  margin: 0.35rem 0 1rem;
  font-size: clamp(1.7rem, 3vw, 2.35rem);
}

.about-story-copy p {
  color: var(--mute);
  max-width: 40rem;
}

.about-story-copy a {
  color: var(--accent-2);
  font-weight: 600;
  border-bottom: 1px solid rgba(14, 127, 122, 0.35);
}

.about-story-panel {
  padding: 1.4rem 1.25rem 1.5rem;
  background:
    linear-gradient(165deg, rgba(16, 40, 44, 0.96), rgba(14, 127, 122, 0.88));
  color: #e8f2f1;
}

.about-story-panel h3 {
  margin: 0 0 1rem;
  font-family: var(--display);
  font-size: 1.45rem;
}

.about-stand {
  list-style: none;
  margin: 0 0 1.25rem;
  padding: 0;
  display: grid;
  gap: 0.85rem;
}

.about-stand li {
  display: grid;
  gap: 0.15rem;
  padding-bottom: 0.75rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.14);
}

.about-stand li:last-child {
  border-bottom: 0;
  padding-bottom: 0;
}

.about-stand strong {
  font-size: 0.98rem;
}

.about-stand span {
  color: rgba(232, 242, 241, 0.78);
  font-size: 0.9rem;
}

.about-band {
  background: rgba(255, 255, 255, 0.45);
  border-block: 1px solid var(--line);
}

.about-band .section-head,
.about-pillars + .section-head {
  margin-bottom: 1.25rem;
}

.section-head h2 {
  margin: 0 0 0.35rem;
  font-family: var(--display);
  font-size: clamp(1.6rem, 2.4vw, 2rem);
  color: var(--brand);
}

.section-head p {
  margin: 0;
  color: var(--mute);
  max-width: 38rem;
}

.about-pillars {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.9rem;
}

.about-pillar {
  padding: 1.25rem 1.15rem 1.35rem;
  background: rgba(255, 255, 255, 0.88);
  border: 1px solid var(--line);
  border-top: 3px solid var(--accent);
}

.about-pillar-num {
  display: block;
  margin-bottom: 0.45rem;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  color: var(--accent-2);
}

.about-pillar h3 {
  margin: 0 0 0.45rem;
  font-family: var(--display);
  font-size: 1.25rem;
  color: var(--brand);
}

.about-pillar p {
  margin: 0;
  color: var(--mute);
  font-size: 0.95rem;
}

.about-split {
  display: grid;
  grid-template-columns: minmax(0, 1.4fr) minmax(260px, 0.75fr);
  gap: 1.5rem;
  align-items: start;
}

.about-lead {
  color: var(--mute);
  max-width: 40rem;
  margin-top: 0.75rem;
}

.about-split .display {
  margin: 0.35rem 0 0;
  font-size: clamp(1.6rem, 2.8vw, 2.15rem);
}

.about-facts {
  padding: 1.25rem 1.15rem 1.4rem;
  background: rgba(255, 255, 255, 0.85);
  border: 1px solid var(--line);
  position: sticky;
  top: 6rem;
}

.about-facts h3 {
  margin: 0 0 0.85rem;
  font-family: var(--display);
  font-size: 1.35rem;
  color: var(--brand);
}

.about-dl {
  margin: 0 0 1.15rem;
  display: grid;
  gap: 0.65rem;
}

.about-dl > div {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 0.75rem;
  padding-bottom: 0.55rem;
  border-bottom: 1px solid var(--line);
  align-items: baseline;
}

.about-dl dt {
  margin: 0;
  color: var(--mute);
  font-size: 0.9rem;
}

.about-dl dd {
  margin: 0;
  font-weight: 700;
  color: var(--brand);
  text-align: right;
}

.about-optimise {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.85rem;
}

.about-opt {
  padding: 1.15rem 1.05rem;
  background: rgba(246, 248, 247, 0.9);
  border: 1px solid var(--line);
}

.about-opt strong {
  display: block;
  margin-bottom: 0.4rem;
  font-family: var(--display);
  font-size: 1.15rem;
  color: var(--brand);
}

.about-opt p {
  margin: 0;
  color: var(--mute);
  font-size: 0.93rem;
}

.about-opt a {
  color: var(--accent-2);
  font-weight: 600;
}

.about-journey {
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(280px, 0.85fr);
  gap: 1.5rem;
  align-items: start;
  margin-bottom: 0.5rem;
}

.about-journey-copy .display {
  margin: 0.35rem 0 0.85rem;
  font-size: clamp(1.6rem, 2.8vw, 2.2rem);
}

.about-journey-copy > p {
  color: var(--mute);
  max-width: 40rem;
}

.about-journey-copy .help-steps {
  margin-top: 1.25rem;
}

.about-journey-cta {
  padding: 1.4rem 1.25rem 1.5rem;
  background:
    linear-gradient(150deg, rgba(26, 166, 160, 0.16), rgba(16, 40, 44, 0.06));
  border: 1px solid var(--line);
}

.about-journey-cta h3 {
  margin: 0 0 0.5rem;
  font-family: var(--display);
  font-size: 1.45rem;
  color: var(--brand);
}

.about-journey-cta > p {
  color: var(--mute);
  margin: 0 0 1rem;
}

.about-secondary-link {
  display: inline-block;
  margin-top: 0.85rem;
  font-weight: 700;
  color: var(--accent-2);
}

.about-secondary-link:hover {
  border-bottom: 1px solid rgba(14, 127, 122, 0.4);
}

/* Application wizard */
.apply-hero .lede {
  max-width: 42rem;
}

.apply-wrap {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 280px;
  gap: 1.5rem;
  align-items: start;
}

.apply-form {
  background: rgba(255, 255, 255, 0.88);
  border: 1px solid var(--line);
  padding: 1.35rem 1.35rem 1.5rem;
}

.apply-progress {
  margin-bottom: 1.35rem;
}

.apply-progress-bar {
  height: 4px;
  background: rgba(16, 40, 44, 0.08);
  margin-bottom: 0.85rem;
  overflow: hidden;
}

.apply-progress-bar span {
  display: block;
  height: 100%;
  background: linear-gradient(90deg, var(--accent), var(--accent-2));
  transition: width 0.35s ease;
}

.apply-steps {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.4rem;
}

.apply-steps li {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--mute);
}

.apply-steps li span {
  width: 1.55rem;
  height: 1.55rem;
  border-radius: 999px;
  display: inline-grid;
  place-items: center;
  background: rgba(16, 40, 44, 0.08);
  font-size: 0.75rem;
  flex-shrink: 0;
}

.apply-steps li.is-active {
  color: var(--brand);
}

.apply-steps li.is-active span {
  background: var(--accent);
  color: #fff;
}

.apply-steps li.is-done {
  color: var(--accent-2);
}

.apply-steps li.is-done span {
  background: rgba(26, 166, 160, 0.2);
  color: var(--accent-2);
}

.apply-pane {
  border: 0;
  margin: 0;
  padding: 0;
  min-width: 0;
}

.apply-pane[hidden] {
  display: none !important;
}

.apply-legend {
  padding: 0;
  margin: 0 0 1.15rem;
}

.apply-legend h2 {
  margin: 0.25rem 0 0.35rem;
  font-family: var(--display);
  font-size: clamp(1.45rem, 2.4vw, 1.85rem);
  color: var(--brand);
  letter-spacing: -0.02em;
}

.apply-legend p {
  margin: 0;
  color: var(--mute);
}

.apply-subhead {
  margin: 1.5rem 0 0.85rem;
  font-family: var(--display);
  font-size: 1.2rem;
  color: var(--brand);
}

.optional {
  font-weight: 500;
  color: var(--mute);
  font-size: 0.85em;
}

.field-hint {
  display: block;
  margin-top: 0.35rem;
  font-size: 0.82rem;
  color: var(--mute);
  font-weight: 500;
}

.input-postcode {
  text-transform: uppercase;
}

.choice-block {
  margin-top: 1.35rem;
}

.choice-label {
  margin: 0 0 0.65rem;
  font-weight: 600;
  color: var(--brand);
}

.choice-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.55rem;
}

.choice-grid-compact {
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
}

.choice-card {
  display: block;
  cursor: pointer;
  position: relative;
}

.choice-card input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}

.choice-card > span {
  display: grid;
  gap: 0.15rem;
  height: 100%;
  padding: 0.85rem 0.8rem;
  border: 1px solid var(--line);
  background: rgba(246, 248, 247, 0.75);
  transition: border-color 0.15s ease, background 0.15s ease, box-shadow 0.15s ease;
}

.choice-card strong {
  color: var(--brand);
  font-size: 0.95rem;
}

.choice-card small {
  color: var(--mute);
  font-size: 0.78rem;
  line-height: 1.35;
}

.choice-card:hover > span {
  border-color: rgba(26, 166, 160, 0.45);
}

.choice-card input:focus-visible + span {
  box-shadow: 0 0 0 3px rgba(26, 166, 160, 0.2);
}

.choice-card input:checked + span {
  border-color: var(--accent);
  background: rgba(26, 166, 160, 0.12);
  box-shadow: inset 0 0 0 1px var(--accent);
}

.choice-inline .choice-label {
  display: block;
  margin-bottom: 0.55rem;
}

.choice-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.45rem;
}

.choice-pill {
  cursor: pointer;
  position: relative;
}

.choice-pill input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}

.choice-pill span {
  display: inline-block;
  padding: 0.55rem 0.9rem;
  border: 1px solid var(--line);
  background: rgba(246, 248, 247, 0.85);
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--brand);
}

.choice-pill input:checked + span {
  border-color: var(--accent);
  background: rgba(26, 166, 160, 0.14);
}

.prev-addresses {
  display: grid;
  gap: 0.85rem;
  margin-top: 0.85rem;
}

.prev-address {
  padding: 1rem;
  background: rgba(246, 248, 247, 0.85);
  border: 1px solid var(--line);
  border-left: 3px solid var(--accent);
}

.prev-address h4 {
  margin: 0 0 0.85rem;
  font-family: var(--display);
  font-size: 1.05rem;
  color: var(--brand);
}

.apply-address-note {
  margin: 0.75rem 0 0;
  padding: 0.75rem 0.85rem;
  background: rgba(26, 166, 160, 0.1);
  border-left: 3px solid var(--accent);
  color: var(--brand);
  font-weight: 500;
}

.apply-review {
  margin: 1.35rem 0;
  padding: 1rem 1.05rem;
  background: rgba(246, 248, 247, 0.9);
  border: 1px solid var(--line);
}

.apply-review h3 {
  margin: 0 0 0.65rem;
  font-family: var(--display);
  font-size: 1.2rem;
  color: var(--brand);
}

.apply-review dl {
  margin: 0;
  display: grid;
  gap: 0.4rem;
}

.apply-review div {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 1rem;
  padding: 0.35rem 0;
  border-bottom: 1px solid var(--line);
  font-size: 0.92rem;
}

.apply-review dt {
  color: var(--mute);
}

.apply-review dd {
  margin: 0;
  font-weight: 700;
  color: var(--brand);
  text-align: right;
}

.apply-consent {
  display: flex;
  gap: 0.7rem;
  align-items: flex-start;
  margin: 1rem 0;
  font-weight: 500;
  color: var(--brand);
  cursor: pointer;
}

.apply-consent input {
  margin-top: 0.2rem;
  width: 1.1rem;
  height: 1.1rem;
  accent-color: var(--accent-2);
  flex-shrink: 0;
}

.apply-actions {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 0.85rem 1rem;
  margin-top: 1.5rem;
  padding-top: 1.15rem;
  border-top: 1px solid var(--line);
}

.apply-actions .apply-error {
  grid-column: 2;
  justify-self: end;
  text-align: right;
  max-width: none;
}

.apply-actions [data-next],
.apply-actions [data-submit] {
  grid-column: 3;
  justify-self: end;
  min-width: 11.5rem;
}

.apply-actions [data-prev] {
  grid-column: 1;
}

.apply-error {
  margin: 0;
  color: var(--warn);
  font-size: 0.88rem;
  font-weight: 600;
}

/* hidden must beat .btn display */
[hidden],
button[hidden],
.btn[hidden] {
  display: none !important;
}

.apply-form .form-grid {
  gap: 1.1rem 1rem;
  align-items: start;
}

.apply-form .field {
  display: flex;
  flex-direction: column;
  gap: 0.45rem;
  margin: 0;
  min-width: 0;
}

.apply-form .field-label,
.apply-form .field {
  font-weight: 600;
  color: var(--brand);
  font-size: 0.92rem;
}

.apply-form .field > input,
.apply-form .field > select,
.apply-form .field > textarea,
.apply-form .country-trigger {
  width: 100%;
  min-height: 48px;
  height: 48px;
  box-sizing: border-box;
  border: 1px solid var(--line);
  border-bottom: 2px solid var(--brand);
  background: #fff;
  padding: 0.7rem 0.9rem;
  outline: none;
  font: inherit;
  color: var(--ink);
  border-radius: 0;
  appearance: none;
  -webkit-appearance: none;
}

.apply-form .field > select {
  background-image: linear-gradient(45deg, transparent 50%, var(--mute) 50%),
    linear-gradient(135deg, var(--mute) 50%, transparent 50%);
  background-position: calc(100% - 18px) calc(50% - 2px), calc(100% - 12px) calc(50% - 2px);
  background-size: 6px 6px, 6px 6px;
  background-repeat: no-repeat;
  padding-right: 2.2rem;
}

.apply-form .field > textarea {
  height: auto;
  min-height: 88px;
  resize: vertical;
}

.apply-form .field > input:focus,
.apply-form .field > select:focus,
.apply-form .field > textarea:focus,
.apply-form .country-trigger:focus {
  border-color: var(--accent);
  border-bottom-color: var(--accent-2);
  box-shadow: none;
}

.apply-purpose-grid {
  margin-top: 1.25rem;
}

.apply-form .field-hint.full {
  grid-column: 1 / -1;
  margin: -0.35rem 0 0;
}

.choice-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.65rem;
}

.choice-grid-compact {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.choice-card > span {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 0.2rem;
  min-height: 4.5rem;
  height: 100%;
  padding: 0.85rem 0.75rem;
  border: 1px solid var(--line);
  background: rgba(246, 248, 247, 0.75);
  transition: border-color 0.15s ease, background 0.15s ease, box-shadow 0.15s ease;
  text-align: left;
}

.choice-grid-compact .choice-card > span {
  min-height: 3.4rem;
  align-items: center;
  text-align: center;
}

.choice-grid-compact .choice-card strong {
  font-size: 0.9rem;
}

/* Country picker */
.country-picker {
  position: relative;
}

.country-trigger {
  display: flex !important;
  align-items: center;
  justify-content: space-between;
  gap: 0.75rem;
  cursor: pointer;
  text-align: left;
  height: 48px !important;
}

.country-trigger [data-country-display] {
  display: flex;
  align-items: center;
  gap: 0.55rem;
  font-weight: 500;
  color: var(--ink);
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
}

.country-chevron {
  width: 0.55rem;
  height: 0.55rem;
  border-right: 2px solid var(--mute);
  border-bottom: 2px solid var(--mute);
  transform: rotate(45deg);
  margin-top: -0.25rem;
  flex-shrink: 0;
}

.country-panel {
  position: absolute;
  z-index: 40;
  left: 0;
  right: 0;
  top: calc(100% + 4px);
  background: #fff;
  border: 1px solid var(--line);
  box-shadow: 0 16px 40px rgba(16, 40, 44, 0.12);
  display: grid;
  grid-template-rows: auto minmax(0, 240px);
}

.country-search {
  width: 100%;
  border: 0;
  border-bottom: 1px solid var(--line);
  padding: 0.85rem 0.9rem;
  outline: none;
  font: inherit;
}

.country-list {
  list-style: none;
  margin: 0;
  padding: 0.35rem 0;
  overflow: auto;
}

.country-list li button {
  width: 100%;
  display: flex;
  align-items: center;
  gap: 0.65rem;
  border: 0;
  background: transparent;
  padding: 0.65rem 0.9rem;
  text-align: left;
  cursor: pointer;
  font: inherit;
  color: var(--ink);
}

.country-list li button:hover,
.country-list li button.is-active {
  background: rgba(26, 166, 160, 0.1);
}

.country-flag {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 1.5rem;
  flex-shrink: 0;
}

.country-flag-img {
  display: block;
  width: 22px;
  height: 16px;
  object-fit: cover;
  border-radius: 2px;
  box-shadow: 0 0 0 1px rgba(18, 26, 28, 0.12);
  background: #e8eeec;
}

.country-name {
  min-width: 0;
}

.choice-grid-4 {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.choice-grid-4 .choice-card > span {
  min-height: 3.2rem;
  align-items: center;
  text-align: center;
}

.apply-final-summary {
  margin: 1.25rem 0 1rem;
  padding: 0.9rem 1rem;
  background: rgba(26, 166, 160, 0.1);
  border-left: 3px solid var(--accent);
  color: var(--brand);
  font-size: 0.95rem;
}

.apply-aside.is-collapsed {
  display: none;
}

.apply-wrap:has(.apply-aside.is-collapsed) {
  grid-template-columns: 1fr;
  max-width: 760px;
}

/* Thank you */
.thanks-page {
  position: relative;
  padding: 4rem 0 5.5rem;
  min-height: 72vh;
  overflow: hidden;
}

.thanks-glow {
  position: absolute;
  inset: -10% 20% auto;
  height: 420px;
  background: radial-gradient(circle, rgba(26, 166, 160, 0.22), transparent 65%);
  pointer-events: none;
}

.thanks-layout {
  position: relative;
  max-width: 680px;
  text-align: left;
}

.thanks-badge {
  margin-bottom: 1.1rem;
  animation: rise 0.7s ease both;
}

.thanks-title {
  margin: 0.2rem 0 0.85rem;
  font-size: clamp(2.6rem, 6vw, 4rem);
  letter-spacing: -0.04em;
  color: var(--brand);
  animation: rise 0.75s ease 0.05s both;
}

.thanks-lead {
  margin: 0 0 2rem;
  color: var(--mute);
  font-size: 1.12rem;
  max-width: 34rem;
  line-height: 1.6;
  animation: rise 0.75s ease 0.1s both;
}

.thanks-timeline {
  display: grid;
  gap: 0.75rem;
  margin-bottom: 2rem;
  animation: rise 0.75s ease 0.15s both;
}

.thanks-step {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.9rem;
  align-items: start;
  padding: 1rem 1.05rem;
  background: rgba(255, 255, 255, 0.82);
  border: 1px solid var(--line);
}

.thanks-step.is-done {
  border-color: rgba(26, 166, 160, 0.45);
  background: rgba(26, 166, 160, 0.1);
}

.thanks-step.is-next {
  border-left: 3px solid var(--accent);
}

.thanks-step-num {
  width: 2rem;
  height: 2rem;
  border-radius: 999px;
  display: grid;
  place-items: center;
  background: rgba(16, 40, 44, 0.08);
  color: var(--brand);
  font-weight: 700;
  font-size: 0.85rem;
}

.thanks-step.is-done .thanks-step-num {
  background: var(--accent);
  color: #062523;
}

.thanks-step.is-next .thanks-step-num {
  background: var(--brand);
  color: #fff;
}

.thanks-step strong {
  display: block;
  font-family: var(--display);
  font-size: 1.15rem;
  color: var(--brand);
  margin-bottom: 0.15rem;
}

.thanks-step span {
  color: var(--mute);
  font-size: 0.92rem;
}

.thanks-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-bottom: 1.5rem;
  animation: rise 0.75s ease 0.2s both;
}

.thanks-footnote {
  margin: 0;
  font-size: 0.84rem;
  color: var(--mute);
  max-width: 40rem;
  line-height: 1.55;
}

.thanks-footnote a {
  color: var(--accent-2);
  font-weight: 600;
  border-bottom: 1px solid rgba(14, 127, 122, 0.35);
}

.apply-aside {
  display: grid;
  gap: 0.85rem;
  position: sticky;
  top: 6rem;
}

.apply-aside-card {
  padding: 1.15rem 1.05rem;
  background: rgba(255, 255, 255, 0.82);
  border: 1px solid var(--line);
}

.apply-aside-card h3 {
  margin: 0 0 0.55rem;
  font-family: var(--display);
  font-size: 1.2rem;
  color: var(--brand);
}

.apply-aside-card ul {
  margin: 0;
  padding-left: 1.1rem;
  color: var(--mute);
  font-size: 0.92rem;
}

.apply-aside-card li + li {
  margin-top: 0.45rem;
}

.apply-aside-dark {
  background: linear-gradient(160deg, rgba(16, 40, 44, 0.96), rgba(14, 127, 122, 0.88));
  border: 0;
  color: #e8f2f1;
}

.apply-aside-dark h3 {
  color: #fff;
}

.apply-aside-dark p {
  margin: 0;
  color: rgba(232, 242, 241, 0.82);
  font-size: 0.92rem;
}

.apply-aside-dark a {
  color: #fff;
  font-weight: 700;
  border-bottom: 1px solid rgba(255, 255, 255, 0.35);
}

.apply-aside-dark a {
  color: #fff;
  font-weight: 700;
  border-bottom: 1px solid rgba(255, 255, 255, 0.35);
}

.apply-sliders {
  display: grid;
  gap: 0.9rem;
  margin-bottom: 0.35rem;
}

.apply-slider-card {
  padding: 1.15rem 1.15rem 1rem;
  background:
    linear-gradient(165deg, rgba(255, 255, 255, 0.95), rgba(238, 243, 241, 0.88));
  border: 1px solid var(--line);
  border-top: 3px solid var(--accent);
}

.apply-slider-head {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 1rem;
  margin-bottom: 0.85rem;
}

.apply-slider-kicker {
  margin: 0 0 0.2rem;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--accent-2);
}

.apply-slider-title {
  font-weight: 600;
  color: var(--brand);
  font-size: 1rem;
}

.apply-slider-value {
  font-family: var(--display);
  font-size: clamp(1.45rem, 2.5vw, 1.85rem);
  letter-spacing: -0.03em;
  color: var(--brand);
  white-space: nowrap;
  line-height: 1.1;
}

.apply-slider-scale {
  display: flex;
  justify-content: space-between;
  margin-top: 0.45rem;
  font-size: 0.78rem;
  color: var(--mute);
  font-weight: 500;
}

.apply-range {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 0.55rem;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--accent) var(--range-progress, 50%), rgba(16, 40, 44, 0.12) var(--range-progress, 50%));
  outline: none;
  cursor: pointer;
}

.apply-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 1.45rem;
  height: 1.45rem;
  border-radius: 50%;
  background: #fff;
  border: 3px solid var(--accent-2);
  box-shadow: 0 4px 14px rgba(16, 40, 44, 0.18);
  transition: transform 0.15s ease;
}

.apply-range::-webkit-slider-thumb:hover {
  transform: scale(1.08);
}

.apply-range::-moz-range-thumb {
  width: 1.45rem;
  height: 1.45rem;
  border-radius: 50%;
  background: #fff;
  border: 3px solid var(--accent-2);
  box-shadow: 0 4px 14px rgba(16, 40, 44, 0.18);
}

.apply-range::-moz-range-track {
  height: 0.55rem;
  border-radius: 999px;
  background: rgba(16, 40, 44, 0.12);
}

.apply-slider-result {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.65rem;
  padding: 1rem 1.05rem;
  background: linear-gradient(120deg, rgba(16, 40, 44, 0.96), rgba(14, 127, 122, 0.9));
  color: #e8f2f1;
}

.apply-slider-result > div {
  display: grid;
  gap: 0.25rem;
}

.apply-slider-result span {
  font-size: 0.78rem;
  color: rgba(232, 242, 241, 0.75);
  font-weight: 500;
}

.apply-slider-result strong {
  font-family: var(--display);
  font-size: 1.25rem;
  letter-spacing: -0.02em;
  color: #fff;
}

.apply-slider-note {
  margin: 0;
}

.field.is-invalid input,
.field.is-invalid select,
.field.is-invalid textarea,
.choice-block.is-invalid .choice-card > span,
.choice-inline.is-invalid .choice-pill span,
.apply-consent.is-invalid {
  border-color: var(--warn);
}

@media (min-width: 720px) {
  .help-inline-cta {
    grid-template-columns: 1fr auto;
  }
}

@media (max-width: 980px) {
  .header-inner {
    grid-template-columns: 1fr auto auto;
  }

  .menu-toggle {
    display: inline-flex;
    align-items: center;
    justify-content: center;
  }

  .nav {
    display: none;
    position: absolute;
    inset: 78px 0 auto 0;
    background: #fff;
    border-bottom: 1px solid var(--line);
    flex-direction: column;
    align-items: stretch;
    padding: 0.75rem;
    justify-content: start;
  }

  .nav.is-open {
    display: flex;
  }

  .nav-panel {
    position: static;
    translate: 0;
    width: 100%;
    grid-template-columns: 1fr;
  }

  .nav-item.is-open .nav-panel {
    opacity: 1;
    pointer-events: auto;
  }

  .section-split,
  .calc-shell,
  .two,
  .measure-row,
  .loan-row,
  .footer-grid,
  .form-grid,
  .trust-strip,
  .info-grid,
  .help-topics,
  .help-layout,
  .help-advice,
  .about-story,
  .about-split,
  .about-journey,
  .about-pillars,
  .about-optimise,
  .apply-wrap,
  .choice-grid,
  .apply-slider-result {
    grid-template-columns: 1fr;
  }

  .trust-strip,
  .info-grid,
  .help-topics,
  .about-pillars,
  .about-optimise,
  .choice-grid {
    grid-template-columns: 1fr 1fr;
  }

  .help-toc {
    position: static;
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .help-toc-title,
  .help-toc-cta {
    grid-column: 1 / -1;
  }

  .about-facts,
  .apply-aside {
    position: static;
  }

  .apply-steps li {
    font-size: 0;
  }

  .apply-steps li span {
    font-size: 0.75rem;
  }

  .measure {
    border-right: 0;
    border-bottom: 1px solid var(--line);
  }

  .loan-row {
    gap: 0.35rem;
  }

  .header-actions .btn-line {
    display: none;
  }
}

@media (max-width: 640px) {
  .trust-strip,
  .info-grid,
  .help-topics,
  .help-toc,
  .about-pillars,
  .about-optimise,
  .choice-grid,
  .apply-actions {
    grid-template-columns: 1fr;
  }

  .apply-actions [data-prev],
  .apply-actions .apply-error,
  .apply-actions [data-next],
  .apply-actions [data-submit] {
    grid-column: 1;
    justify-self: stretch;
    width: 100%;
  }

  .apply-actions .apply-error {
    text-align: left;
    order: -1;
  }

  .choice-grid,
  .choice-grid-compact,
  .choice-grid-4 {
    grid-template-columns: 1fr 1fr;
  }
}