:root {
  --bg: #ffffff;
  --surface: #ffffff;
  --surface-2: #fff8f7;
  --text: #241818;
  --muted: #6f5b5b;
  --accent: #c83a3a;
  --accent-dark: #972828;
  --accent-soft: #ffe7e2;
  --border: #efe7e7;
  --shadow: 0 8px 24px rgba(36, 24, 24, 0.05);
  --brand-green: #2e8b57;
  --brand-green-soft: rgba(46, 139, 87, 0.15);
}

* {
  box-sizing: border-box;
}

.visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: 'Inter', sans-serif;
  background: #ffffff;
  color: var(--text);
  line-height: 1.6;
}

img {
  max-width: 100%;
}

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

.container {
  width: min(1160px, calc(100% - 2rem));
  margin: 0 auto;
}

.topbar {
  background: var(--accent-dark);
  color: white;
  font-size: 0.95rem;
}

.topbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.7rem 0;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  backdrop-filter: blur(16px);
  background: rgba(255, 255, 255, 0.95);
  border-bottom: 1px solid var(--border);
}

.nav-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1rem 0;
}

.brand {
  display: inline-flex;
  align-items: center;
}

.brand-logo {
  position: relative;
  display: block;
  width: clamp(185px, 23vw, 250px);
  aspect-ratio: 3.89 / 1;
  overflow: hidden;
  background: #ffffff;
}

.brand-logo img {
  position: absolute;
  top: -147%;
  left: -53.7%;
  width: 202.7%;
  max-width: none;
  height: auto;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  color: var(--muted);
}

.nav-links > a,
.nav-services > summary {
  min-height: 38px;
  display: flex;
  align-items: center;
  padding: 0.45rem 0.65rem;
  border-radius: 8px;
  color: var(--muted);
  font-family: inherit;
  font-size: 1rem;
  font-weight: 400;
  line-height: 1;
}

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

.nav-services {
  position: relative;
}

.nav-services summary {
  gap: 0.35rem;
  cursor: pointer;
  list-style: none;
  transition: color 0.2s ease, background 0.2s ease;
}

.nav-services summary::-webkit-details-marker {
  display: none;
}

.nav-services .services-chevron {
  width: 0;
  height: 0;
  border-left: 5px solid transparent;
  border-right: 5px solid transparent;
  border-top: 6px solid currentColor;
  transition: transform 0.2s ease;
}

.nav-services[open] summary {
  color: var(--accent-dark);
}

.nav-services summary:hover,
.nav-services summary:focus-visible {
  color: #fff;
  background: var(--accent);
}

.nav-services[open] summary:hover,
.nav-services[open] summary:focus-visible {
  color: #fff;
}

.nav-services[open] .services-chevron {
  transform: rotate(180deg);
}

.services-menu {
  position: absolute;
  top: calc(100% + 0.8rem);
  left: 50%;
  z-index: 40;
  width: 270px;
  display: grid;
  padding: 0.6rem;
  border: 1px solid var(--border);
  border-radius: 16px;
  background: #fff;
  box-shadow: 0 18px 44px rgba(36, 24, 24, 0.16);
  transform: translateX(-50%);
}

.services-menu a {
  padding: 0.65rem 0.75rem;
  border-radius: 10px;
  color: var(--muted);
  font-size: 0.9rem;
}

.services-menu a:hover,
.services-menu a:focus-visible {
  color: #fff;
  background: var(--accent);
}

.menu-toggle {
  display: none;
  background: none;
  border: 0;
  padding: 0.25rem;
}

.menu-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--text);
  margin: 5px 0;
}

.hero {
  position: relative;
  overflow: hidden;
  padding: 6rem 0 4rem;
  min-height: 520px;
  background: #ffffff;
}

.hero-background {
  position: absolute;
  inset: 0;
  z-index: 0;
  min-height: 520px;
  background-color: #ffffff;
  background-image: url('https://images.unsplash.com/photo-1522202176988-66273c2fd55f?auto=format&fit=crop&w=1600&q=80');
  background-size: cover;
  background-position: center;
  filter: brightness(0.64);
}

.hero-inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 2rem;
  align-items: center;
}

@media (max-width: 980px) {
  .hero {
    padding: 4rem 0 2.4rem;
  }

  .hero-inner,
  .faq-grid,
  .feature-band,
  .card-grid,
  .timeline {
    grid-template-columns: 1fr;
  }
}

.eyebrow {
  display: inline-flex;
  margin: 0 0 0.8rem;
  padding: 0.4rem 0.8rem;
  border-radius: 999px;
  background: var(--accent-soft);
  color: var(--accent-dark);
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

.hero h1,
.section-heading h2,
.about-grid h2,
.site-footer h2 {
  margin: 0 0 1rem;
  line-height: 1.08;
}

.hero h1 {
  font-size: clamp(2.6rem, 5vw, 4.5rem);
  max-width: 720px;
  color: #ffffff;
}

.hero-text,
.section-heading p,
.about-grid p,
.timeline-item p,
.feature-item p,
.testimonial-card blockquote,
.site-footer p {
  color: var(--muted);
}

.hero-text {
  color: rgba(255, 255, 255, 0.92);
  max-width: 620px;
}

.hero-actions {
  display: flex;
  gap: 0.9rem;
  flex-wrap: wrap;
  margin: 1.5rem 0 1.8rem;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.95rem 1.25rem;
  border-radius: 999px;
  font-weight: 600;
}

.btn-primary {
  background: linear-gradient(90deg, var(--accent), #e04e4e);
  color: white;
  box-shadow: 0 8px 18px rgba(200, 58, 58, 0.16);
}

.btn-secondary {
  border: 1px solid rgba(255, 255, 255, 0.85);
  background: rgba(255, 255, 255, 0.14);
  color: white;
}

.trust-strip {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

.trust-strip div {
  min-width: 120px;
  padding: 0.8rem 0.95rem;
  background: white;
  border: 1px solid var(--border);
  border-radius: 16px;
  box-shadow: var(--shadow);
}

.trust-strip strong {
  display: block;
  font-size: 1.15rem;
  color: var(--accent-dark);
}

.trust-strip span {
  color: var(--muted);
  font-size: 0.92rem;
}

.hero-card,
.feature-band,
.about-card,
.info-card,
.timeline-item,
.testimonial-card,
.footer-content,
.contact-card,
.faq-list {
  position: relative;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 24px;
  box-shadow: var(--shadow);
}

.hero-card {
  width: 100%;
  padding: 1.8rem;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(10px);
  box-shadow: 0 18px 34px rgba(36, 24, 24, 0.08);
}

.hero-card {
  width: 100%;
  padding: 1.6rem;
  background: linear-gradient(145deg, #ffffff 0%, #fff5f2 100%);
}

.mini-title {
  margin: 0 0 0.35rem;
  color: var(--accent);
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.14em;
}

.hero-card h3 {
  margin: 0 0 1rem;
  font-size: 1.35rem;
}

.hero-card ul {
  margin: 0 0 1rem;
  padding-left: 1rem;
  color: var(--muted);
}

.text-link {
  color: var(--accent);
  font-weight: 600;
}

.section {
  padding: 2rem 0;
}

.feature-band {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  padding: 1.2rem;
}

.info-card:hover,
.timeline-item:hover {
  transform: translateY(-4px);
  box-shadow: 0 10px 24px rgba(151, 40, 40, 0.1);
}

.feature-item h3 {
  margin-top: 0;
  margin-bottom: 0.4rem;
}

.feature-item p {
  margin: 0;
}

.about-section {
  padding: 2rem 0 3rem;
  scroll-margin-top: 110px;
}

@media (max-width: 700px) {
  .about-section {
    scroll-margin-top: 88px;
  }
}

.about-grid {
  display: grid;
  grid-template-columns: minmax(300px, 1fr) 1.4fr;
  gap: 2rem;
  align-items: start;
}

.about-image img {
  width: 100%;
  display: block;
  border-radius: 28px;
  box-shadow: 0 22px 44px rgba(36, 24, 24, 0.12);
  object-fit: cover;
  min-height: 420px;
}

.about-copy {
  display: grid;
  gap: 1.5rem;
}

.about-card {
  padding: 1.4rem;
}

.about-card h3 {
  margin-top: 0;
}

.about-card ul {
  padding-left: 1rem;
  color: var(--muted);
}

.section-heading {
  max-width: 760px;
  margin-bottom: 1.4rem;
}

.section-heading h2,
.about-grid h2,
.faq-list h2 {
  font-size: clamp(1.7rem, 3vw, 2.35rem);
}

.services-carousel,
.what-you-get-carousel {
  position: relative;
  overflow: visible;
  padding: 1.5rem 2.5rem;
  background: var(--bg);
  border-radius: 32px;
}

.services-carousel .carousel-viewer,
.what-you-get-carousel .carousel-viewer {
  overflow: hidden;
  width: 100%;
  padding: 0 0.5rem;
  background: var(--bg);
  border-radius: 28px;
  touch-action: pan-y;
}

.services-carousel .carousel-track,
.what-you-get-carousel .carousel-track {
  display: flex;
  gap: 1.5rem;
  transition: none;
  will-change: transform;
  min-width: 0;
  background: var(--bg);
  padding: 1rem 0;
  border-radius: 28px;
}

.services-carousel .slide,
.what-you-get-carousel .slide {
  flex: 0 0 calc((100% - 3rem) / 3);
  max-width: calc((100% - 3rem) / 3);
  box-sizing: border-box;
  position: relative;
  min-width: 0;
  background: var(--bg);
  border-radius: 28px;
}

.services-carousel .slide {
  display: flex;
  align-items: stretch;
  opacity: 0.62;
  transform: translateY(8px);
  clip-path: inset(7% 5% 7% 5% round 24px);
  filter: saturate(0.72) brightness(0.82);
  box-shadow: none;
  transition: transform 0.65s cubic-bezier(0.22, 1, 0.36, 1),
    clip-path 0.75s cubic-bezier(0.22, 1, 0.36, 1),
    opacity 0.65s ease,
    filter 0.65s ease,
    box-shadow 0.65s ease;
  transform-origin: center;
  z-index: 0;
  overflow: hidden;
}

.services-carousel .slide.is-near {
  opacity: 0.82;
  transform: translateY(4px);
  clip-path: inset(4% 2.5% 4% 2.5% round 26px);
  filter: saturate(0.88) brightness(0.92);
  z-index: 1;
}

.services-carousel .slide.is-focus {
  opacity: 1;
  transform: translateY(0);
  clip-path: inset(0 round 28px);
  filter: none;
  box-shadow: 0 28px 68px rgba(30, 24, 24, 0.2);
  z-index: 2;
}

.services-carousel .slide::before {
  content: "";
  position: absolute;
  inset: -35% auto -35% -55%;
  width: 36%;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.5), transparent);
  transform: skewX(-16deg) translateX(0);
  transition: transform 1.1s cubic-bezier(0.22, 1, 0.36, 1);
  pointer-events: none;
  z-index: 2;
}

.services-carousel .slide.is-focus::before {
  transform: skewX(-16deg) translateX(520%);
}

.services-carousel .slide::after {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: 28px;
  background: linear-gradient(180deg, rgba(24, 18, 18, 0.04) 35%, rgba(24, 18, 18, 0.58) 100%);
  pointer-events: none;
  opacity: 0.7;
  transition: opacity 0.65s ease;
  z-index: 1;
}

.services-carousel .slide.is-focus::after {
  opacity: 0.56;
}

.services-carousel .slide img {
  width: 100%;
  height: 340px;
  object-fit: cover;
  border-radius: 28px;
  box-shadow: 0 24px 40px rgba(0, 0, 0, 0.08);
  transform: scale(1.04);
  transition: transform 0.8s cubic-bezier(0.22, 1, 0.36, 1), box-shadow 0.65s ease;
}

.services-carousel .slide.is-focus img {
  transform: scale(1);
  box-shadow: 0 32px 70px rgba(30, 24, 24, 0.2), 0 12px 30px rgba(200, 58, 58, 0.16);
}

.services-carousel .slide .slide-caption {
  transform: translateY(28px);
  opacity: 0;
  transition: transform 0.55s cubic-bezier(0.22, 1, 0.36, 1), opacity 0.55s ease;
  z-index: 2;
}

.services-carousel .slide.is-focus .slide-caption {
  transform: translateY(0);
  opacity: 1;
  background: rgba(255, 255, 255, 0.86);
  backdrop-filter: blur(12px);
}

.what-you-get-card {
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  min-height: 100%;
  padding: 1.8rem;
  background: var(--bg);
  border-radius: 28px;
  border: 1px solid rgba(236, 231, 231, 0.8);
  box-shadow: 0 22px 46px rgba(0, 0, 0, 0.08);
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}

.what-you-get-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 26px 56px rgba(0, 0, 0, 0.1);
  border-color: rgba(200, 58, 58, 0.18);
}

.card-icon {
  width: 62px;
  height: 62px;
  display: grid;
  place-items: center;
  border-radius: 22px;
  background: rgba(200, 58, 58, 0.16);
  margin-bottom: 1.2rem;
  color: var(--accent);
  transition: background 0.25s ease, transform 0.25s ease;
}

.card-icon svg {
  width: 28px;
  height: 28px;
  fill: currentColor;
}

.what-you-get-card h3 {
  margin-top: 0;
  margin-bottom: 0.75rem;
}

.what-you-get-card p {
  margin: 0;
  color: var(--muted);
}

.carousel-control {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  width: 52px;
  height: 52px;
  border: 0;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.98);
  color: var(--accent);
  cursor: pointer;
  box-shadow: 0 24px 48px rgba(36, 24, 24, 0.16);
  display: grid;
  place-items: center;
  z-index: 2;
  transition: transform 0.2s ease, background 0.2s ease;
}

.carousel-control:hover {
  transform: translateY(-50%) scale(1.08);
  background: #fff;
}

.carousel-control.prev {
  left: -28px;
}

.carousel-control.next {
  right: -28px;
}

.carousel-control span {
  font-size: 1.45rem;
  line-height: 1;
}

.slide.active-slide {
  outline: 2px solid rgba(200, 58, 58, 0.2);
  outline-offset: 4px;
}

.services-carousel .slide.active-slide img,
.what-you-get-carousel .slide.active-slide .what-you-get-card {
  box-shadow: 0 40px 110px rgba(200, 58, 58, 0.25);
}

.carousel-dots {
  display: none;
}


.slide-caption {
  position: absolute;
  left: 1.5rem;
  bottom: 1.5rem;
  background: rgba(255, 255, 255, 0.92);
  color: var(--text);
  padding: 0.9rem 1rem;
  border-radius: 999px;
  font-weight: 700;
  box-shadow: 0 18px 40px rgba(36, 24, 24, 0.12);
}

.carousel-dots {
  display: none;
}

@media (max-width: 980px) {
  .card-grid,
  .timeline,
  .feature-band,
  .faq-grid,
  .hero-inner {
    grid-template-columns: 1fr;
  }

  .slide {
    min-width: 50%;
  }
}

@media (max-width: 640px) {
  .what-you-get-grid {
    grid-template-columns: 1fr;
  }
  .slide {
    min-width: 100%;
  }
}

.card-image img {
  width: 100%;
  border-radius: 20px;
  display: block;
  aspect-ratio: 16 / 10;
  object-fit: cover;
}

.info-card h3 {
  margin-top: 0;
  margin-bottom: 0.4rem;
}

.info-card p {
  margin: 0;
  color: var(--muted);
}

.process-section {
  background: linear-gradient(135deg, #fffdfd 0%, #fff4f2 100%);
  padding: 2.4rem 0;
}

.trust-section {
  padding: 3rem 0;
}

.trust-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 2.5rem;
  align-items: center;
}

.trust-copy {
  max-width: 640px;
}

.trust-copy h2 {
  margin-top: 0.75rem;
  margin-bottom: 1rem;
  line-height: 1.05;
}

.trust-copy p {
  margin-bottom: 1.5rem;
  color: var(--muted);
}

.trust-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 0.9rem;
}

.trust-list li {
  position: relative;
  padding-left: 1.5rem;
  color: var(--text);
}

.trust-list li::before {
  content: '•';
  position: absolute;
  left: 0;
  top: 0.1rem;
  color: var(--accent);
  font-size: 1.2rem;
  line-height: 1;
}

.trust-image img {
  width: 100%;
  display: block;
  border-radius: 28px;
  box-shadow: 0 22px 48px rgba(20, 25, 40, 0.12);
  object-fit: cover;
  object-position: top center;
  min-height: 420px;
}

.lenders-section {
  overflow: hidden;
  padding: 3.75rem 0 0;
  background: #ffffff;
}

.lenders-heading {
  width: min(1160px, calc(100% - 2rem));
  margin: 0 auto;
  text-align: center;
}

.lenders-label {
  display: inline-flex;
  margin: 0 0 1.25rem;
  padding: 0.55rem 1.35rem;
  border: 1px solid #c6e7d3;
  border-radius: 999px;
  background: #f8fbef;
  color: #111111;
  font-size: 0.95rem;
  line-height: 1.5;
}

.lenders-label span {
  margin-left: 0.28rem;
  color: var(--brand-green);
}

.lenders-heading h2 {
  margin: 0 0 0.85rem;
  color: #050505;
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 500;
  letter-spacing: -0.035em;
  line-height: 1.15;
}

.lenders-heading > p:last-child {
  margin: 0 auto;
  color: var(--muted);
  font-size: 0.96rem;
}

.lenders-logo-marquee {
  width: 100%;
  margin-top: 2.3rem;
  overflow: hidden;
}

.lenders-logo-track {
  display: flex;
  width: max-content;
  will-change: transform;
}

.lenders-logo-track--forward {
  animation: lenders-marquee-forward 20s linear infinite;
}

.lenders-logo-track--reverse {
  animation: lenders-marquee-reverse 20s linear infinite;
}

.lenders-logo-marquee:hover .lenders-logo-track,
.lenders-logo-marquee:focus .lenders-logo-track,
.lenders-logo-marquee:focus-within .lenders-logo-track {
  animation-play-state: paused;
}

.lenders-logo-group {
  flex: 0 0 auto;
  width: max(100vw, 900px);
  min-height: 104px;
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  align-items: center;
  gap: clamp(1rem, 3vw, 3rem);
  padding: 0.75rem clamp(1rem, 3vw, 2.5rem);
}

.lender-logo-item {
  height: 80px;
  display: grid;
  place-items: center;
}

.lender-logo-item img {
  width: auto;
  max-width: 100%;
  max-height: 64px;
  display: block;
  object-fit: contain;
  opacity: 1;
  filter: none;
}

.lender-logo-item--nab {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.45rem;
}

.lender-logo-item--nab img {
  width: 58px;
  height: 58px;
  object-fit: contain;
}

.lender-logo-item--nab span {
  color: #111111;
  font-size: 2.35rem;
  font-weight: 800;
  letter-spacing: -0.08em;
  line-height: 1;
}


@keyframes lenders-marquee-forward {
  0%, 8% {
    transform: translateX(-50%);
  }

  25%, 33% {
    transform: translateX(-37.5%);
  }

  50%, 58% {
    transform: translateX(-25%);
  }

  75%, 83% {
    transform: translateX(-12.5%);
  }

  100% {
    transform: translateX(0);
  }
}

@keyframes lenders-marquee-reverse {
  0%, 8% {
    transform: translateX(0);
  }

  25%, 33% {
    transform: translateX(-12.5%);
  }

  50%, 58% {
    transform: translateX(-25%);
  }

  75%, 83% {
    transform: translateX(-37.5%);
  }

  100% {
    transform: translateX(-50%);
  }
}

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

/* How We Help: card row matching the Our Services treatment. */
.benefits-showcase-section {
  padding: clamp(4rem, 8vw, 7rem) 0;
  background: #f5f5f7;
}

.benefits-showcase-section > .section-heading {
  max-width: none;
  margin-bottom: 2rem;
  margin-left: auto;
  margin-right: auto;
  text-align: left;
}

.benefits-showcase-section .section-heading .mini-title,
.benefits-showcase-section .section-heading h2,
.benefits-showcase-section .section-heading > p {
  margin-left: 0;
  margin-right: 0;
  text-align: left;
}

.benefits-showcase-section .section-heading h2,
.benefits-showcase-section .section-heading > p:last-child {
  max-width: 760px;
}

.benefits-showcase-section .section-heading h2 {
  color: #1d1d1f;
  font-size: clamp(2.3rem, 5vw, 4.25rem);
  line-height: 1.02;
  letter-spacing: -0.05em;
}

.benefits-showcase {
  position: relative;
  padding-bottom: 4.5rem;
}

.benefits-showcase .carousel-viewer {
  width: 100%;
  overflow-x: auto;
  scroll-snap-type: x mandatory;
  scroll-behavior: smooth;
  scrollbar-width: none;
}

.benefits-showcase .carousel-viewer::-webkit-scrollbar {
  display: none;
}

.benefits-showcase .carousel-track {
  display: flex;
  gap: 1.25rem;
  width: max-content;
  padding: 0.25rem 0 1.25rem;
  transform: none !important;
}

.benefits-showcase .slide {
  flex: 0 0 clamp(290px, 27vw, 360px);
  width: clamp(290px, 27vw, 360px);
  max-width: none;
  min-height: 300px;
  scroll-snap-align: start;
  background: transparent;
}

.benefits-showcase .what-you-get-card,
.benefits-showcase .what-you-get-card:hover,
.benefits-showcase .slide.active-slide .what-you-get-card {
  min-height: 300px;
  padding: 2rem;
  color: #1d1d1f;
  background: #fff !important;
  border: 1px solid rgba(29, 29, 31, 0.14) !important;
  border-radius: 28px;
  box-shadow: 0 4px 12px rgba(29, 29, 31, 0.07), 0 14px 34px rgba(29, 29, 31, 0.05) !important;
  transition: transform 0.35s cubic-bezier(0.2, 0.8, 0.2, 1), box-shadow 0.35s ease, border-color 0.35s ease;
}

.benefits-showcase .what-you-get-card:hover {
  transform: translateY(-6px);
  border-color: rgba(200, 58, 58, 0.3) !important;
  box-shadow: 0 18px 42px rgba(0, 0, 0, 0.1) !important;
}

.benefits-showcase .carousel-dots {
  display: none;
}

.benefits-scroll-button {
  position: absolute;
  bottom: 0;
  width: 48px;
  height: 48px;
  display: grid;
  place-items: center;
  padding: 0;
  border: 0;
  border-radius: 50%;
  color: #1d1d1f;
  background: #dedee2;
  font-size: 1.3rem;
  cursor: pointer;
  transition: transform 0.2s ease, background 0.2s ease, opacity 0.2s ease;
}

.benefits-scroll-prev {
  right: 4.25rem;
}

.benefits-scroll-next {
  right: 0.75rem;
}

.benefits-scroll-button:hover:not(:disabled) {
  transform: scale(1.08);
  background: #d2d2d7;
}

.benefits-scroll-button:disabled {
  opacity: 0.34;
  cursor: default;
}

@media (max-width: 900px) {
  .benefits-showcase-section {
    padding: 3.75rem 0;
  }

  .benefits-showcase .slide {
    flex-basis: min(84vw, 330px);
    width: min(84vw, 330px);
  }
}

/* Mobile services: one complete card per swipe. */
@media (max-width: 700px) {
  #services .services-card-track {
    gap: 0;
    padding: 0.25rem 0 1rem;
    scroll-snap-type: x mandatory;
    scroll-padding-inline: 0;
    touch-action: pan-x;
  }

  #services .service-showcase-card,
  #services.services-showcase-section.cards-reveal-ready .service-showcase-card,
  #services.services-showcase-section.cards-visible .service-showcase-card,
  #services.services-showcase-section.cards-visible .service-showcase-card:hover {
    --scroll-card-scale: 1 !important;
    --scroll-card-lift: 0px !important;
    --scroll-image-x: 0px !important;
    flex: 0 0 100%;
    width: 100%;
    max-width: none;
    height: 510px;
    scroll-snap-align: start;
    scroll-snap-stop: always;
    transform: none;
  }

  #services .service-showcase-card > img {
    transform: scale(1.02);
  }

  #services .services-scroll-controls {
    justify-content: center;
    margin-top: 0.4rem;
  }

  #services .services-scroll-button {
    width: 44px;
    height: 44px;
  }
}

/* Why Choose Mortgex: text left, image right. */
.trust-section .trust-grid {
  grid-template-columns: minmax(0, 1.05fr) minmax(340px, 0.95fr);
  align-items: center;
  gap: 2.75rem;
}

.trust-section .trust-copy {
  max-width: 650px;
}

.trust-section .trust-list {
  grid-template-columns: 1fr;
}

.trust-section .trust-image img {
  width: 100%;
  height: 560px;
  min-height: 0;
  object-fit: cover;
  object-position: center 28%;
}

@media (max-width: 900px) {
  .trust-section .trust-grid {
    grid-template-columns: 1fr;
  }

  .trust-section .trust-copy {
    max-width: none;
  }

  .trust-section .trust-image img {
    height: 360px;
  }
}

/* Why Choose Mortgex: text above the image. */
.trust-section .trust-grid {
  grid-template-columns: 1fr;
  align-items: start;
  gap: 2.25rem;
}

.trust-section .trust-copy {
  max-width: none;
}

.trust-section .trust-copy > p {
  max-width: 850px;
}

.trust-section .trust-list {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  column-gap: 2.5rem;
}

.trust-section .trust-image img {
  width: 100%;
  height: clamp(380px, 48vw, 600px);
  min-height: 0;
  object-position: center 28%;
}

@media (max-width: 700px) {
  .trust-section .trust-list {
    grid-template-columns: 1fr;
  }

  .trust-section .trust-image img {
    height: 320px;
  }
}

/* Apple Store-inspired services card row. */
#services.services-showcase-section {
  height: auto;
  min-height: 0;
  padding: clamp(4rem, 8vw, 7rem) 0;
  background: #f5f5f7;
}

.services-showcase-heading {
  max-width: 760px;
  margin-bottom: 2.25rem;
}

.services-showcase-heading h2 {
  margin: 0 0 0.8rem;
  color: #1d1d1f;
  font-size: clamp(2.3rem, 5vw, 4.5rem);
  line-height: 1.02;
  letter-spacing: -0.055em;
}

.services-showcase-heading > p:last-child {
  max-width: 680px;
  margin: 0;
  color: #6e6e73;
  font-size: 1.08rem;
}

.services-card-track {
  display: flex;
  gap: 1.25rem;
  width: 100%;
  padding: 0.25rem 0 1.25rem;
  overflow-x: auto;
  overscroll-behavior-inline: contain;
  scroll-snap-type: x mandatory;
  scroll-behavior: smooth;
  scrollbar-width: none;
}

.services-card-track::-webkit-scrollbar {
  display: none;
}

.service-showcase-card {
  --scroll-card-scale: 0.965;
  --scroll-card-lift: 0px;
  --scroll-image-x: 0px;
  position: relative;
  flex: 0 0 clamp(300px, 28vw, 380px);
  height: 570px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  scroll-snap-align: start;
  color: #1d1d1f;
  background: #fff;
  border: 1px solid rgba(29, 29, 31, 0.14);
  border-radius: 28px;
  box-shadow: 0 4px 12px rgba(29, 29, 31, 0.07), 0 14px 34px rgba(29, 29, 31, 0.05);
  transition: transform 0.35s cubic-bezier(0.2, 0.8, 0.2, 1), box-shadow 0.35s ease, border-color 0.35s ease;
}

.services-showcase-section.cards-reveal-ready .service-showcase-card {
  opacity: 0;
  transform: translateY(38px) scale(0.97);
}

.services-showcase-section.cards-visible .service-showcase-card {
  opacity: 1;
  transform: translateY(var(--scroll-card-lift)) scale(var(--scroll-card-scale));
  transition: opacity 0.7s ease, transform 0.85s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.35s ease;
}

.services-showcase-section.cards-visible .service-showcase-card:nth-child(2) { transition-delay: 0.07s; }
.services-showcase-section.cards-visible .service-showcase-card:nth-child(3) { transition-delay: 0.14s; }
.services-showcase-section.cards-visible .service-showcase-card:nth-child(4) { transition-delay: 0.21s; }

.services-showcase-section.cards-visible .service-showcase-card:hover {
  transform: translateY(calc(var(--scroll-card-lift) - 6px)) scale(var(--scroll-card-scale));
}

.service-showcase-card:hover {
  transform: translateY(-6px);
  border-color: rgba(200, 58, 58, 0.3);
  box-shadow: 0 18px 42px rgba(0, 0, 0, 0.1);
}

.service-showcase-card:focus-visible {
  outline: 3px solid rgba(200, 58, 58, 0.42);
  outline-offset: 4px;
}

.service-card-copy {
  position: relative;
  z-index: 2;
  min-height: 230px;
  padding: 2rem 2rem 1rem;
  background: #fff;
}

.service-card-label {
  margin: 0 0 0.55rem;
  color: #3a3a3c;
  font-size: 0.92rem;
  font-weight: 700;
}

.service-showcase-card h3 {
  margin: 0 0 0.75rem;
  color: #1d1d1f;
  font-size: clamp(1.65rem, 2.4vw, 2.15rem);
  line-height: 1.05;
  letter-spacing: -0.04em;
}

.service-card-copy > p:last-child {
  margin: 0;
  color: #515154;
  font-size: 1rem;
  line-height: 1.42;
}

.service-showcase-card > img {
  width: 100%;
  height: 340px;
  min-height: 340px;
  display: block;
  margin-top: auto;
  object-fit: cover;
  object-position: center;
  transform: translateX(var(--scroll-image-x)) scale(1.06);
  transition: transform 0.12s linear;
}

.services-scroll-controls {
  display: flex;
  justify-content: flex-end;
  gap: 0.75rem;
  margin-top: 0.75rem;
}

.services-scroll-button {
  width: 48px;
  height: 48px;
  display: grid;
  place-items: center;
  padding: 0;
  border: 0;
  border-radius: 50%;
  color: #1d1d1f;
  background: #dedee2;
  font-size: 1.3rem;
  cursor: pointer;
  transition: transform 0.2s ease, background 0.2s ease;
}

.services-scroll-button:hover {
  transform: scale(1.08);
  background: #d2d2d7;
}

.services-scroll-button:disabled {
  opacity: 0.34;
  cursor: default;
  transform: none;
}

.services-scroll-button:focus-visible,
.services-card-track:focus-visible {
  outline: 3px solid rgba(200, 58, 58, 0.35);
  outline-offset: 3px;
}

@media (max-width: 700px) {
  #services.services-showcase-section {
    padding: 3.75rem 0;
  }

  .services-showcase-heading {
    margin-bottom: 1.5rem;
  }

  .service-showcase-card {
    flex-basis: min(84vw, 340px);
    height: 540px;
    border-radius: 24px;
  }

  .service-card-copy {
    min-height: 210px;
    padding: 1.6rem 1.5rem 0.8rem;
  }

  .service-showcase-card > img {
    height: 320px;
    min-height: 320px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .services-showcase-section.cards-reveal-ready .service-showcase-card,
  .services-showcase-section.cards-visible .service-showcase-card {
    opacity: 1;
    transform: none;
    transition: none;
  }
}

/* Apple-inspired continuous scroll scrub for Services. */
#services .services-carousel.scroll-story,
#services.scroll-reveal-ready .services-carousel.scroll-story,
#services.scroll-revealed .services-carousel.scroll-story {
  background: #000;
  border: 1px solid rgba(255, 255, 255, 0.08);
  box-shadow: 0 38px 110px rgba(0, 0, 0, 0.34);
}

#services .scroll-story .carousel-viewer,
#services .scroll-story .carousel-track {
  background: #000;
}

#services .scroll-story .slide,
#services .scroll-story .slide.is-near,
#services .scroll-story .slide.is-focus,
#services.scroll-reveal-ready .scroll-story .slide,
#services.scroll-revealed .scroll-story .slide,
#services .scroll-story .slide.is-story-active,
#services .scroll-story .slide.is-story-past,
#services .scroll-story .slide.is-story-future {
  --story-opacity: 0;
  --story-scale: 1.14;
  --story-y: 90px;
  display: block;
  visibility: visible;
  opacity: var(--story-opacity) !important;
  transform: translateY(var(--story-y)) scale(var(--story-scale));
  clip-path: none;
  filter: none;
  z-index: 1;
  transition: none;
  will-change: opacity, transform;
}

#services .scroll-story .slide.is-story-active {
  z-index: 3;
}

#services .scroll-story .slide img,
#services .scroll-story .slide.is-focus img,
#services .scroll-story .slide.is-story-active img {
  position: absolute;
  inset: 7% 6%;
  width: 88%;
  height: 82%;
  object-fit: cover;
  object-position: center;
  transform: none;
  border-radius: 28px;
  box-shadow: 0 32px 90px rgba(0, 0, 0, 0.5);
  transition: none;
}

#services .scroll-story .slide::after,
#services .scroll-story .slide.is-focus::after {
  inset: 7% 6%;
  border-radius: 28px;
  background: linear-gradient(90deg, rgba(0, 0, 0, 0.74), rgba(0, 0, 0, 0.1) 62%, transparent);
}

#services .scroll-story .slide .slide-caption,
#services .scroll-story .slide.is-focus .slide-caption,
#services .scroll-story .slide.is-story-active .slide-caption {
  left: clamp(2.25rem, 8vw, 7.5rem);
  bottom: clamp(3.5rem, 9vw, 7.5rem);
  max-width: min(62%, 720px);
  visibility: visible;
  opacity: var(--copy-opacity) !important;
  transform: translateY(var(--copy-y));
  color: #fff;
  text-shadow: 0 3px 28px rgba(0, 0, 0, 0.5);
  transition: none;
  will-change: opacity, transform;
  z-index: 5;
}

#services .scroll-story .carousel-control {
  opacity: 0.72;
  transition: opacity 0.25s ease, transform 0.25s ease, background 0.25s ease;
}

#services .scroll-story .carousel-control:hover {
  opacity: 1;
}

.story-status {
  top: 2rem;
  right: 2rem;
}

@media (max-width: 760px) {
  #services .scroll-story .slide img,
  #services .scroll-story .slide.is-focus img,
  #services .scroll-story .slide.is-story-active img,
  #services .scroll-story .slide::after,
  #services .scroll-story .slide.is-focus::after {
    inset: 5%;
    width: 90%;
    height: 88%;
  }

  #services .scroll-story .slide .slide-caption,
  #services .scroll-story .slide.is-focus .slide-caption,
  #services .scroll-story .slide.is-story-active .slide-caption {
    left: 2rem;
    bottom: 6rem;
    max-width: 76%;
  }

  .story-status {
    top: 1.25rem;
    right: 1.5rem;
  }
}

/* Isolated Apple-style story; intentionally independent of carousel styles. */
#services.apple-story-section {
  --apple-story-steps: 7;
  position: relative;
  height: 520vh;
  padding-top: 3rem;
  padding-bottom: 0;
}

.apple-story-stage {
  position: sticky;
  top: 5.25rem;
  height: calc(100vh - 6.5rem);
  min-height: 580px;
  overflow: hidden;
  display: grid;
  grid-template-rows: auto minmax(0, 1fr);
  gap: 1rem;
  padding: clamp(1.25rem, 3vw, 2.5rem);
  color: #fff;
  background: #000;
  border-radius: 36px;
  box-shadow: 0 38px 110px rgba(0, 0, 0, 0.32);
}

.services-story-heading {
  position: relative;
  z-index: 20;
  max-width: 760px;
}

.services-story-heading .eyebrow {
  margin-bottom: 0.55rem;
  color: #ff7676;
  background: rgba(200, 58, 58, 0.16);
}

.services-story-heading h2 {
  margin: 0 0 0.45rem;
  color: #fff;
  font-size: clamp(1.8rem, 3.3vw, 3.1rem);
  line-height: 1;
  letter-spacing: -0.045em;
}

.services-story-heading > p:last-child {
  margin: 0;
  color: rgba(255, 255, 255, 0.64);
}

.apple-story-visual {
  position: relative;
  min-height: 0;
  overflow: hidden;
  border-radius: 28px;
  background: #050505;
}

.apple-story-card {
  --card-opacity: 0;
  --card-scale: 1.16;
  --card-y: 70px;
  --title-opacity: 0;
  --title-y: 42px;
  position: absolute;
  inset: 0;
  opacity: var(--card-opacity);
  transform: translateY(var(--card-y)) scale(var(--card-scale));
  transform-origin: center;
  visibility: visible;
  pointer-events: none;
  will-change: opacity, transform;
}

/* Visible, local-image fallback before JavaScript initialises. */
.apple-story-card:first-child {
  --card-opacity: 1;
  --card-scale: 1;
  --card-y: 0px;
  --title-opacity: 1;
  --title-y: 0px;
  z-index: 2;
}

.apple-story-card img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  display: block;
  object-fit: cover;
  object-position: center;
  filter: brightness(0.72) saturate(0.92);
}

.apple-story-card::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(0, 0, 0, 0.78), rgba(0, 0, 0, 0.18) 60%, rgba(0, 0, 0, 0.02));
}

.apple-story-card h3 {
  position: absolute;
  left: clamp(1.5rem, 5vw, 4.5rem);
  bottom: clamp(2.5rem, 7vw, 6rem);
  z-index: 2;
  max-width: 72%;
  margin: 0;
  color: #fff;
  font-size: clamp(2.4rem, 6vw, 5.8rem);
  font-weight: 800;
  line-height: 0.94;
  letter-spacing: -0.065em;
  opacity: var(--title-opacity);
  transform: translateY(var(--title-y));
  text-wrap: balance;
  will-change: opacity, transform;
}

.apple-story-card.is-current {
  z-index: 3;
}

.apple-story-progress {
  --apple-progress: 2%;
  position: absolute;
  top: 1.35rem;
  right: 1.5rem;
  z-index: 10;
  display: grid;
  grid-template-columns: auto minmax(90px, 15vw) auto;
  align-items: center;
  gap: 0.75rem;
  color: #fff;
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.12em;
}

.apple-story-track {
  position: relative;
  height: 2px;
  overflow: hidden;
  background: rgba(255, 255, 255, 0.28);
}

.apple-story-track i {
  position: absolute;
  inset: 0 auto 0 0;
  width: var(--apple-progress);
  background: #f04d4d;
}

@media (max-width: 760px) {
  #services.apple-story-section {
    height: 475vh;
    padding-top: 2rem;
  }

  .apple-story-stage {
    top: 4.5rem;
    height: calc(100vh - 5.5rem);
    min-height: 620px;
    padding: 1rem;
    border-radius: 26px;
  }

  .services-story-heading h2 {
    font-size: clamp(1.65rem, 7vw, 2.35rem);
  }

  .services-story-heading > p:last-child {
    font-size: 0.9rem;
  }

  .apple-story-visual {
    border-radius: 20px;
  }

  .apple-story-card h3 {
    left: 1.5rem;
    bottom: 4.25rem;
    max-width: 82%;
    font-size: clamp(2.2rem, 12vw, 4rem);
  }

  .apple-story-progress {
    top: 1rem;
    right: 1rem;
  }
}

@media (prefers-reduced-motion: reduce) {
  .apple-story-card {
    transform: none;
  }
}

/* Services: scroll-driven storytelling / Apple-style product reveal. */
#services {
  --story-count: 7;
  position: relative;
  height: 508vh;
  padding-top: 5rem;
}

#services > .section-heading {
  position: sticky;
  top: 5.5rem;
  z-index: 4;
  max-width: 620px;
  margin-bottom: 1.5rem;
  pointer-events: none;
}

#services.scroll-reveal-ready .section-heading,
#services.scroll-revealed .section-heading {
  opacity: 1;
  transform: none;
}

#services .services-carousel.scroll-story,
#services.scroll-reveal-ready .services-carousel.scroll-story,
#services.scroll-revealed .services-carousel.scroll-story {
  position: sticky;
  top: 15rem;
  width: 100%;
  height: calc(100vh - 17rem);
  min-height: 430px;
  padding: 0;
  margin: 0;
  overflow: hidden;
  opacity: 1;
  transform: none;
  clip-path: none;
  border-radius: 34px;
  background: #171313;
  box-shadow: 0 36px 90px rgba(28, 20, 20, 0.24);
  visibility: visible !important;
}

#services .scroll-story .carousel-viewer,
#services .scroll-story .carousel-track {
  position: relative;
  width: 100%;
  height: 100%;
  padding: 0;
  margin: 0;
  overflow: hidden;
  transform: none !important;
  border-radius: 34px;
  background: #171313;
}

#services .scroll-story .carousel-track {
  display: block;
}

#services .scroll-story .slide,
#services .scroll-story .slide.is-near,
#services .scroll-story .slide.is-focus,
#services.scroll-reveal-ready .scroll-story .slide,
#services.scroll-revealed .scroll-story .slide {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  max-width: none;
  opacity: 0;
  transform: scale(1.12);
  clip-path: inset(0 0 0 100% round 34px);
  filter: none;
  border-radius: 34px;
  box-shadow: none;
  pointer-events: none;
  visibility: hidden;
  z-index: 0;
  transition: opacity 0.55s ease, transform 1.05s cubic-bezier(0.16, 1, 0.3, 1), clip-path 0.95s cubic-bezier(0.16, 1, 0.3, 1);
}

#services .scroll-story .slide.is-story-active {
  opacity: 1 !important;
  transform: scale(1);
  clip-path: inset(0 round 34px);
  pointer-events: auto;
  visibility: visible;
  z-index: 5;
}

#services .scroll-story .slide.is-story-past {
  opacity: 0;
  transform: scale(0.94);
  clip-path: inset(0 100% 0 0 round 34px);
  visibility: hidden;
  z-index: 0;
}

#services .scroll-story .slide.is-story-future {
  visibility: hidden;
  z-index: 0;
}

#services .scroll-story .slide img,
#services .scroll-story .slide.is-focus img,
#services .scroll-story .slide.is-story-active img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transform: scale(1.08);
  clip-path: none;
  border-radius: 34px;
  animation: none;
  transition: transform 1.3s cubic-bezier(0.16, 1, 0.3, 1);
}

#services .scroll-story .slide.is-story-active img {
  transform: scale(1);
}

#services .scroll-story .slide::before {
  display: none;
}

#services .scroll-story .slide::after,
#services .scroll-story .slide.is-focus::after {
  display: block;
  opacity: 1;
  border-radius: 34px;
  background: linear-gradient(90deg, rgba(12, 9, 9, 0.8), rgba(12, 9, 9, 0.2) 58%, rgba(12, 9, 9, 0.04));
}

#services .scroll-story .slide .slide-caption,
#services .scroll-story .slide.is-focus .slide-caption {
  left: clamp(1.5rem, 5vw, 4.5rem);
  bottom: clamp(2.2rem, 6vw, 5rem);
  max-width: min(72%, 720px);
  padding: 0;
  color: #fff;
  background: transparent;
  box-shadow: none;
  font-size: clamp(2.1rem, 5.4vw, 5rem);
  font-weight: 800;
  line-height: 0.96;
  letter-spacing: -0.06em;
  opacity: 0;
  transform: translateY(54px);
  animation: none;
  transition: opacity 0.55s ease 0.28s, transform 0.8s cubic-bezier(0.16, 1, 0.3, 1) 0.22s;
}

#services .scroll-story .slide.is-story-active .slide-caption {
  opacity: 1 !important;
  transform: translateY(0);
  visibility: visible;
  z-index: 7;
}

#services .scroll-story .carousel-control {
  top: auto;
  bottom: 1.5rem;
  transform: none;
  background: rgba(255, 255, 255, 0.14);
  color: #fff;
  border: 1px solid rgba(255, 255, 255, 0.25);
  backdrop-filter: blur(12px);
  box-shadow: none;
  z-index: 6;
}

#services .scroll-story .carousel-control:hover {
  transform: scale(1.08);
  background: rgba(255, 255, 255, 0.24);
}

#services .scroll-story .carousel-control.prev {
  left: auto;
  right: 5.5rem;
}

#services .scroll-story .carousel-control.next {
  right: 1.5rem;
}

.story-status {
  --story-progress: 14.28%;
  position: absolute;
  top: 1.5rem;
  right: 1.5rem;
  z-index: 6;
  display: grid;
  grid-template-columns: auto minmax(80px, 14vw) auto;
  align-items: center;
  gap: 0.75rem;
  color: #fff;
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.12em;
}

.story-rail {
  position: relative;
  height: 2px;
  overflow: hidden;
  background: rgba(255, 255, 255, 0.3);
}

.story-rail i {
  position: absolute;
  inset: 0 auto 0 0;
  width: var(--story-progress);
  background: var(--accent);
  transition: width 0.65s cubic-bezier(0.16, 1, 0.3, 1);
}

@media (max-width: 760px) {
  #services {
    height: 472vh;
    padding-top: 3rem;
  }

  #services > .section-heading {
    top: 4.5rem;
    margin-bottom: 1rem;
  }

  #services .services-carousel.scroll-story,
  #services.scroll-reveal-ready .services-carousel.scroll-story,
  #services.scroll-revealed .services-carousel.scroll-story {
    top: 13.5rem;
    height: calc(100vh - 15rem);
    min-height: 380px;
    border-radius: 26px;
  }

  #services .scroll-story .carousel-viewer,
  #services .scroll-story .carousel-track,
  #services .scroll-story .slide,
  #services .scroll-story .slide.is-story-active,
  #services .scroll-story .slide img {
    border-radius: 26px;
  }

  #services .scroll-story .slide .slide-caption,
  #services .scroll-story .slide.is-focus .slide-caption {
    bottom: 5.5rem;
    max-width: 82%;
  }

  .story-status {
    top: 1.1rem;
    right: 1.1rem;
  }
}

@media (prefers-reduced-motion: reduce) {
  #services .scroll-story .slide,
  #services .scroll-story .slide img,
  #services .scroll-story .slide .slide-caption,
  .story-rail i {
    transition-duration: 0.01ms;
  }
}

/* Services: staggered Scroll Reveal. */
#services .services-carousel {
  padding: 1.5rem 2.5rem;
  overflow: visible;
  background: #fff;
  border-radius: 32px;
}

#services .services-carousel .carousel-viewer {
  overflow: hidden;
  padding: 0 0.5rem;
  border-radius: 28px;
}

#services .services-carousel .carousel-track {
  gap: 1.5rem;
  padding: 1rem 0 1.75rem;
}

#services .services-carousel .slide,
#services .services-carousel .slide.is-near,
#services .services-carousel .slide.is-focus {
  flex: 0 0 calc((100% - 3rem) / 3);
  max-width: calc((100% - 3rem) / 3);
  height: 360px;
  opacity: 1;
  transform: none;
  clip-path: none;
  filter: none;
  border-radius: 28px;
  box-shadow: 0 18px 42px rgba(30, 24, 24, 0.12);
  animation: none;
  transition: transform 0.35s ease, box-shadow 0.35s ease;
}

#services .services-carousel .slide:hover {
  transform: translateY(-8px);
  box-shadow: 0 28px 60px rgba(30, 24, 24, 0.18);
}

#services .services-carousel .slide::before {
  display: none;
  animation: none;
}

#services .services-carousel .slide img,
#services .services-carousel .slide.is-focus img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transform: none;
  clip-path: none;
  border-radius: 28px;
  animation: none;
}

#services .services-carousel .slide::after,
#services .services-carousel .slide.is-focus::after {
  opacity: 1;
  border-radius: 28px;
  background: linear-gradient(180deg, transparent 42%, rgba(15, 11, 11, 0.76) 100%);
}

#services .services-carousel .slide .slide-caption,
#services .services-carousel .slide.is-focus .slide-caption {
  left: 1.35rem;
  right: 1.35rem;
  bottom: 1.35rem;
  max-width: none;
  padding: 0;
  color: #fff;
  background: transparent;
  box-shadow: none;
  font-size: clamp(1.15rem, 2vw, 1.6rem);
  line-height: 1.12;
  letter-spacing: -0.025em;
  opacity: 1;
  transform: none;
  animation: none;
}

#services.scroll-reveal-ready .section-heading {
  opacity: 0;
  transform: translateY(36px);
}

#services.scroll-reveal-ready .services-carousel {
  opacity: 0;
  transform: translateY(54px);
  clip-path: inset(12% 0 0 0 round 32px);
}

#services.scroll-revealed .section-heading {
  opacity: 1;
  transform: translateY(0);
  transition: opacity 0.7s ease, transform 0.8s cubic-bezier(0.16, 1, 0.3, 1);
}

#services.scroll-revealed .services-carousel {
  opacity: 1;
  transform: translateY(0);
  clip-path: inset(0 round 32px);
  transition: opacity 0.7s ease 0.18s, transform 0.9s cubic-bezier(0.16, 1, 0.3, 1) 0.18s, clip-path 0.9s cubic-bezier(0.16, 1, 0.3, 1) 0.18s;
}

#services.scroll-reveal-ready .services-carousel .slide {
  opacity: 0;
  transform: translateY(60px) scale(0.94);
}

#services.scroll-revealed .services-carousel .slide {
  opacity: 1;
  transform: translateY(0) scale(1);
  transition: opacity 0.65s ease, transform 0.85s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.35s ease;
}

#services.scroll-revealed .services-carousel .slide:nth-child(2) { transition-delay: 0.08s; }
#services.scroll-revealed .services-carousel .slide:nth-child(3) { transition-delay: 0.16s; }
#services.scroll-revealed .services-carousel .slide:nth-child(4) { transition-delay: 0.24s; }

@media (max-width: 980px) {
  #services .services-carousel .slide,
  #services .services-carousel .slide.is-near,
  #services .services-carousel .slide.is-focus {
    flex-basis: calc((100% - 1.5rem) / 2);
    max-width: calc((100% - 1.5rem) / 2);
  }
}

@media (max-width: 640px) {
  #services .services-carousel {
    padding: 0.75rem 1rem 1.25rem;
  }

  #services .services-carousel .slide,
  #services .services-carousel .slide.is-near,
  #services .services-carousel .slide.is-focus {
    flex-basis: 100%;
    max-width: 100%;
    height: 340px;
  }
}

@media (prefers-reduced-motion: reduce) {
  #services.scroll-reveal-ready .section-heading,
  #services.scroll-reveal-ready .services-carousel,
  #services.scroll-reveal-ready .services-carousel .slide {
    opacity: 1;
    transform: none;
    clip-path: none;
    transition: none;
  }
}

.quick-assistance-section {
  padding: 4rem 0;
  background: #f5f9ef;
}

.quick-assistance-grid {
  display: grid;
  grid-template-columns: 0.92fr 1.08fr;
  gap: clamp(2rem, 7vw, 6rem);
  align-items: center;
}

.quick-assistance-label {
  display: inline-flex;
  margin: 0 0 1rem;
  padding: 0.5rem 1.25rem;
  border: 1px solid #c5e5d2;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.35);
  color: #111111;
  font-size: 0.9rem;
}

.quick-assistance-label span {
  margin-left: 0.28rem;
  color: var(--brand-green);
}

.quick-assistance-copy h2 {
  margin: 0 0 0.75rem;
  color: #050505;
  font-size: clamp(2rem, 3.3vw, 2.7rem);
  font-weight: 500;
  letter-spacing: -0.035em;
  line-height: 1.15;
}

.quick-assistance-copy > p:not(.quick-assistance-label) {
  margin: 0;
  color: var(--muted);
}

.quick-assistance-image {
  position: relative;
  width: 100%;
  margin-top: 1.35rem;
  aspect-ratio: 549 / 245;
  overflow: hidden;
  background: #ffffff;
}

.quick-assistance-image img {
  width: 100%;
  height: 100%;
  display: block;
  object-fit: cover;
  object-position: center;
}

.quick-form {
  display: grid;
  gap: 1.15rem;
  padding: clamp(1.4rem, 3vw, 2rem);
  border: 1px solid #bdc6b8;
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.18);
}

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

.quick-form label {
  display: grid;
  gap: 0.2rem;
  color: #111111;
  font-size: 0.82rem;
}

.quick-form input,
.quick-form select,
.quick-form textarea {
  width: 100%;
  min-height: 42px;
  padding: 0.45rem 0.3rem;
  border: 0;
  border-bottom: 1px solid #bfc5bc;
  border-radius: 0;
  outline: none;
  background: transparent;
  color: var(--text);
  font: inherit;
}

.quick-form textarea {
  min-height: 50px;
  resize: vertical;
}

.quick-form input:focus,
.quick-form select:focus,
.quick-form textarea:focus {
  border-bottom-color: var(--brand-green);
  box-shadow: 0 1px 0 var(--brand-green);
}

.quick-submit {
  min-height: 44px;
  margin-top: 0.4rem;
  border: 0;
  border-radius: 999px;
  background: var(--accent);
  color: #ffffff;
  font: inherit;
  font-weight: 600;
  text-transform: uppercase;
  cursor: pointer;
  transition: background 0.2s ease, transform 0.2s ease;
}

.quick-submit:hover {
  background: var(--accent-dark);
  transform: translateY(-1px);
}

.feedback-section {
  padding: 3.5rem 0;
  overflow: hidden;
  background: #f5f9ef;
}

.feedback-carousel {
  position: relative;
  padding: 0 2.5rem;
}

.feedback-carousel .carousel-viewer {
  width: 100%;
  overflow: hidden;
}

.feedback-carousel .carousel-track {
  display: flex;
  gap: 3rem;
  will-change: transform;
}

.feedback-carousel .slide {
  flex: 0 0 calc((100% - 6rem) / 3);
  max-width: calc((100% - 6rem) / 3);
  min-width: 0;
}

.feedback-card {
  padding: 0.5rem 0;
  background: transparent;
}

.feedback-stars {
  color: #ff9418;
  font-size: 1.15rem;
  letter-spacing: 0.03em;
}

.feedback-card > p {
  min-height: 3.2rem;
  margin: 0.75rem 0 1.4rem;
  color: #5d615a;
  font-size: 0.94rem;
}

.feedback-author {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  color: #70934c;
}

.feedback-avatar {
  position: relative;
  width: 22px;
  height: 12px;
  margin-top: 8px;
  border-radius: 12px 12px 3px 3px;
  background: #70934c;
}

.feedback-avatar::before {
  content: '';
  position: absolute;
  left: 7px;
  top: -10px;
  width: 9px;
  height: 9px;
  border-radius: 50%;
  background: #70934c;
}

.feedback-carousel .carousel-control {
  width: 38px;
  height: 38px;
  background: transparent;
  color: #111111;
  box-shadow: none;
}

.feedback-carousel .carousel-control.prev {
  left: -0.25rem;
}

.feedback-carousel .carousel-control.next {
  right: -0.25rem;
}

.feedback-carousel .carousel-control span {
  font-size: 2.5rem;
  font-weight: 300;
}

.timeline {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}

.timeline-item {
  position: relative;
  padding: 2.4rem 2rem 2rem;
  background: #ffffff;
  border: 1px solid rgba(226, 227, 230, 0.95);
  border-radius: 32px;
  box-shadow: 0 18px 36px rgba(20, 25, 40, 0.06);
  min-height: 320px;
  overflow: hidden;
}

.timeline-item span {
  display: block;
  position: relative;
  z-index: 1;
  margin-bottom: 1rem;
  color: rgba(0, 0, 0, 0.12);
  font-weight: 900;
  font-size: clamp(4.8rem, 6vw, 6.8rem);
  line-height: 0.85;
  letter-spacing: -0.08em;
}

.timeline-item h3 {
  position: relative;
  z-index: 1;
  margin-top: 0;
  margin-bottom: 0.85rem;
  font-size: 1.2rem;
}

.timeline-item p {
  position: relative;
  z-index: 1;
  margin: 0;
  color: var(--muted);
}

.testimonial-card {
  padding: 2rem;
  text-align: center;
}

.testimonial-card blockquote {
  font-size: clamp(1.15rem, 2vw, 1.5rem);
  margin: 0 0 0.8rem;
}

.author {
  color: var(--accent);
  font-weight: 600;
}

.site-footer {
  padding: 4rem 0 1.25rem;
  background: #b3262d;
  color: #ffffff;
}

.footer-content {
  display: grid;
  grid-template-columns: 1.5fr 0.75fr 0.9fr 1.3fr;
  align-items: start;
  gap: clamp(2rem, 4vw, 4.5rem);
  padding: 0;
  border: 0;
  border-radius: 0;
  background: transparent;
  box-shadow: none;
}

.site-footer p {
  color: rgba(255, 255, 255, 0.96);
}

.footer-brand {
  display: inline-block;
  margin-bottom: 1.25rem;
  color: #ffffff;
}

.footer-logo {
  display: block;
  width: min(100%, 260px);
  height: auto;
  background: transparent;
}

.footer-about p {
  max-width: 25rem;
  margin: 0;
  font-size: 0.94rem;
}

.footer-column {
  display: grid;
  align-content: start;
  gap: 0.65rem;
}

.footer-column h3 {
  margin: 0 0 0.45rem;
  color: #ffffff;
  font-size: 1.15rem;
  font-weight: 600;
}

.footer-column a {
  color: rgba(255, 255, 255, 0.96);
  font-size: 0.92rem;
}

.footer-column a:hover {
  color: #ffffff;
  text-decoration: underline;
  text-underline-offset: 0.2rem;
}

.footer-contact {
  gap: 0.85rem;
}

.footer-contact > div {
  display: grid;
  gap: 0.25rem;
}

.footer-contact-label {
  font-size: 0.88rem;
  color: rgba(255, 255, 255, 0.88);
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 0.55rem;
  margin: 0;
  color: #ffffff;
  font-style: normal;
  line-height: 1.45;
}

.footer-contact-item > span:first-child {
  flex: 0 0 1rem;
  text-align: center;
}

.footer-bottom {
  margin-top: 3rem;
  padding-top: 1rem;
  border-top: 1px solid rgba(255, 255, 255, 0.24);
  color: rgba(255, 255, 255, 0.78);
  font-size: 0.8rem;
  text-align: center;
}

.faq-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 1rem;
}

.faq-list,
.contact-card {
  padding: 1.4rem;
}

.faq-item {
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 0.9rem 1rem;
  margin-top: 0.8rem;
  background: var(--surface-2);
}

.faq-question {
  width: 100%;
  border: 0;
  background: none;
  text-align: left;
  font: inherit;
  font-weight: 700;
  color: var(--text);
  cursor: pointer;
  padding: 0;
}

.faq-answer {
  display: none;
  margin-top: 0.6rem;
  color: var(--muted);
}

.faq-item.active .faq-answer {
  display: block;
}

.contact-form {
  display: grid;
  gap: 0.75rem;
}

.contact-form input,
.contact-form textarea {
  width: 100%;
  padding: 0.9rem 1rem;
  border: 1px solid var(--border);
  border-radius: 12px;
  font: inherit;
  background: #fff8f7;
}

.contact-form button {
  border: 0;
  cursor: pointer;
}

.reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: all 0.6s ease;
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

@media (max-width: 980px) {
  .hero,
  .about-grid,
  .card-grid,
  .timeline,
  .feature-band,
  .faq-grid {
    grid-template-columns: 1fr 1fr;
  }

  .hero,
  .faq-grid {
    grid-template-columns: 1fr;
  }

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

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

  .trust-copy {
    max-width: none;
  }

  .quick-assistance-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .feedback-carousel .carousel-track {
    gap: 2rem;
  }

  .feedback-carousel .slide {
    flex-basis: calc((100% - 2rem) / 2);
    max-width: calc((100% - 2rem) / 2);
  }

  .footer-content {
    grid-template-columns: 1.35fr 1fr;
    gap: 2.5rem 3rem;
  }

  .services-carousel .slide,
  .what-you-get-carousel .slide {
    flex-basis: calc((100% - 1.5rem) / 2);
    max-width: calc((100% - 1.5rem) / 2);
  }
}

@media (max-width: 700px) {
  html {
    scroll-padding-top: 76px;
  }

  body {
    overflow-x: hidden;
  }

  .container,
  .lenders-heading {
    width: min(100% - 1.25rem, 1160px);
  }

  .section {
    padding: 2.75rem 0;
  }

  .topbar-inner {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.2rem;
    padding: 0.5rem 0;
    font-size: 0.82rem;
  }

  .nav-bar {
    min-height: 64px;
    padding: 0.75rem 0;
  }

  .brand {
    max-width: calc(100% - 54px);
  }

  .brand-logo {
    width: clamp(175px, 55vw, 210px);
  }

  .nav-links {
    display: none;
    position: absolute;
    top: calc(100% + 0.5rem);
    left: 0.625rem;
    right: 0.625rem;
    z-index: 30;
    padding: 0.6rem;
    flex-direction: column;
    gap: 0;
    background: white;
    border: 1px solid var(--border);
    border-radius: 16px;
    box-shadow: 0 18px 44px rgba(36, 24, 24, 0.16);
  }

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

  .nav-links a {
    padding: 0.75rem 0.8rem;
    border-radius: 10px;
  }

  .nav-services summary {
    justify-content: space-between;
    padding: 0.75rem 0.8rem;
    border-radius: 10px;
  }

  .services-menu {
    position: static;
    width: auto;
    margin: 0 0.35rem 0.45rem;
    padding: 0.3rem 0 0.3rem 0.65rem;
    border: 0;
    border-left: 2px solid var(--accent-soft);
    border-radius: 0;
    box-shadow: none;
    transform: none;
  }

  .services-menu a {
    padding: 0.65rem 0.75rem;
    font-size: 0.88rem;
  }

  .menu-toggle {
    display: block;
    min-width: 44px;
    min-height: 44px;
    cursor: pointer;
  }

  .hero {
    min-height: 0;
    padding: 3rem 0 2.75rem;
  }

  .hero-background {
    min-height: 100%;
    background-position: 58% center;
  }

  .hero-inner {
    gap: 1.5rem;
  }

  .hero h1 {
    font-size: clamp(2.15rem, 10vw, 3rem);
  }

  .hero-actions {
    display: grid;
    grid-template-columns: 1fr;
    margin: 1.25rem 0 1.5rem;
  }

  .hero-actions .btn {
    width: 100%;
  }

  .trust-strip {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 0.5rem;
  }

  .trust-strip div {
    min-width: 0;
    padding: 0.65rem 0.55rem;
    border-radius: 12px;
  }

  .trust-strip strong {
    font-size: 1rem;
  }

  .trust-strip span {
    font-size: 0.75rem;
  }

  .hero-card {
    padding: 1.25rem;
  }

  .eyebrow {
    max-width: 100%;
    letter-spacing: 0.1em;
  }

  .about-section {
    padding: 2.75rem 0;
  }

  .feature-band,
  .card-grid,
  .timeline,
  .about-grid {
    grid-template-columns: 1fr;
  }

  .about-image img,
  .trust-image img {
    min-height: 0;
    height: 300px;
    border-radius: 20px;
  }

  .services-carousel,
  .what-you-get-carousel {
    padding: 0.75rem 0.4rem 1rem;
    border-radius: 20px;
  }

  .services-carousel .carousel-viewer,
  .what-you-get-carousel .carousel-viewer {
    padding: 0 0.2rem;
    border-radius: 20px;
  }

  .services-carousel .carousel-track,
  .what-you-get-carousel .carousel-track {
    gap: 1rem;
    padding: 0.75rem 0;
  }

  .services-carousel .slide,
  .what-you-get-carousel .slide {
    flex: 0 0 100%;
    max-width: 100%;
    border-radius: 20px;
  }

  .services-carousel .slide img {
    height: 285px;
    border-radius: 20px;
  }

  .what-you-get-card {
    min-height: 280px;
    padding: 1.35rem;
    border-radius: 20px;
  }

  .carousel-control {
    width: 42px;
    height: 42px;
  }

  .carousel-control.prev {
    left: -0.2rem;
  }

  .carousel-control.next {
    right: -0.2rem;
  }

  .slide-caption {
    left: 1rem;
    bottom: 1rem;
    padding: 0.7rem 0.85rem;
  }

  .process-section {
    padding: 2.75rem 0;
  }

  .timeline-item {
    min-height: 0;
    padding: 1.5rem;
    border-radius: 20px;
  }

  .timeline-item span {
    margin-bottom: 0.75rem;
    font-size: 4rem;
  }

  .trust-section {
    padding: 2.75rem 0;
  }

  .trust-grid {
    gap: 2rem;
  }

  .footer-content {
    display: grid;
    grid-template-columns: 1fr;
    gap: 2rem;
    padding: 0;
    border-radius: 0;
  }

  .site-footer {
    padding-top: 3rem;
  }

  .footer-logo {
    width: min(100%, 230px);
  }

  .footer-bottom {
    margin-top: 2.25rem;
    text-align: left;
  }

  .faq-list,
  .contact-card,
  .testimonial-card {
    padding: 1.15rem;
    border-radius: 20px;
  }

  .faq-grid {
    gap: 1.25rem;
  }

  .contact-form input,
  .contact-form textarea {
    font-size: 16px;
  }

  .lenders-section {
    padding-top: 3rem;
  }

  .lenders-heading > p:last-child {
    max-width: 34rem;
  }

  .lenders-heading h2 {
    font-size: clamp(1.9rem, 9vw, 2.5rem);
  }

  .lenders-logo-marquee {
    margin-top: 1.75rem;
  }

  .lenders-logo-group {
    width: 680px;
    min-height: 88px;
    gap: 1rem;
    padding-inline: 1rem;
  }

  .lender-logo-item {
    height: 68px;
  }

  .lender-logo-item img {
    max-height: 52px;
  }

  .quick-assistance-section {
    padding: 3rem 0;
  }

  .quick-assistance-grid {
    gap: 1.5rem;
  }

  .quick-assistance-copy h2 {
    font-size: clamp(1.9rem, 9vw, 2.4rem);
  }

  .quick-assistance-image {
    border-radius: 12px;
  }

  .quick-form {
    padding: 1.2rem;
  }

  .quick-form-row {
    grid-template-columns: 1fr;
    gap: 1.15rem;
  }

  .quick-form input,
  .quick-form select,
  .quick-form textarea {
    font-size: 16px;
  }

  .feedback-section {
    padding: 2.75rem 0;
  }

  .feedback-carousel {
    padding: 0 2rem;
  }

  .feedback-carousel .carousel-track {
    gap: 1rem;
  }

  .feedback-carousel .slide {
    flex: 0 0 100%;
    max-width: 100%;
  }

  .feedback-card > p {
    min-height: 0;
  }

  .services-carousel,
  .what-you-get-carousel,
  .feedback-carousel {
    padding-bottom: 4rem;
  }

  .services-carousel .carousel-control,
  .what-you-get-carousel .carousel-control,
  .feedback-carousel .carousel-control {
    top: auto;
    bottom: 0.5rem;
    transform: none !important;
  }

  .services-carousel .carousel-control.prev,
  .what-you-get-carousel .carousel-control.prev,
  .feedback-carousel .carousel-control.prev {
    left: calc(50% - 50px);
  }

  .services-carousel .carousel-control.next,
  .what-you-get-carousel .carousel-control.next,
  .feedback-carousel .carousel-control.next {
    right: calc(50% - 50px);
  }
}

/* Services: full-width Hero Reveal treatment. */
#services .services-carousel {
  padding: 1rem 3.5rem 2rem;
  overflow: hidden;
  background: transparent;
}

#services .services-carousel .carousel-viewer {
  overflow: hidden;
  border-radius: 32px;
}

#services .services-carousel .carousel-track {
  gap: 0;
  padding: 0;
}

#services .services-carousel .slide,
#services .services-carousel .slide.is-near,
#services .services-carousel .slide.is-focus {
  flex: 0 0 100%;
  max-width: 100%;
  height: clamp(400px, 53vw, 590px);
  opacity: 1;
  transform: none;
  clip-path: none;
  filter: none;
  border-radius: 32px;
  box-shadow: none;
}

#services .services-carousel .slide::before {
  content: "";
  position: absolute;
  left: clamp(1.5rem, 5vw, 4.5rem);
  bottom: clamp(1.3rem, 4vw, 3.4rem);
  width: min(36vw, 360px);
  height: 4px;
  background: var(--accent);
  transform: scaleX(0);
  transform-origin: left;
  z-index: 3;
  pointer-events: none;
}

#services .services-carousel .slide.is-focus::before {
  animation: hero-reveal-progress 3.4s linear 0.75s both;
}

#services .services-carousel .slide img,
#services .services-carousel .slide.is-focus img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: 32px;
  transform: scale(1.08);
  clip-path: inset(0 100% 0 0 round 32px);
  box-shadow: none;
}

#services .services-carousel .slide.is-focus img {
  animation: hero-reveal-image 1s cubic-bezier(0.16, 1, 0.3, 1) forwards;
}

#services .services-carousel .slide::after,
#services .services-carousel .slide.is-focus::after {
  opacity: 1;
  border-radius: 32px;
  background: linear-gradient(90deg, rgba(13, 10, 10, 0.82) 0%, rgba(13, 10, 10, 0.36) 45%, rgba(13, 10, 10, 0.04) 80%);
}

#services .services-carousel .slide .slide-caption,
#services .services-carousel .slide.is-focus .slide-caption {
  left: clamp(1.5rem, 5vw, 4.5rem);
  bottom: clamp(2.2rem, 6vw, 5.1rem);
  max-width: min(70%, 680px);
  padding: 0;
  color: #fff;
  background: transparent;
  backdrop-filter: none;
  box-shadow: none;
  font-size: clamp(2rem, 5.3vw, 4.7rem);
  font-weight: 800;
  line-height: 0.98;
  letter-spacing: -0.055em;
  opacity: 0;
  transform: translateY(48px);
}

#services .services-carousel .slide.is-focus .slide-caption {
  animation: hero-reveal-title 0.8s cubic-bezier(0.16, 1, 0.3, 1) 0.38s forwards;
}

@keyframes hero-reveal-image {
  0% {
    clip-path: inset(0 100% 0 0 round 32px);
    transform: scale(1.08);
  }
  100% {
    clip-path: inset(0 round 32px);
    transform: scale(1);
  }
}

@keyframes hero-reveal-title {
  from {
    opacity: 0;
    transform: translateY(48px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes hero-reveal-progress {
  from { transform: scaleX(0); }
  to { transform: scaleX(1); }
}

@media (max-width: 700px) {
  #services .services-carousel {
    padding: 0.5rem 1rem 1.5rem;
  }

  #services .services-carousel .slide,
  #services .services-carousel .slide.is-near,
  #services .services-carousel .slide.is-focus {
    flex-basis: 100%;
    max-width: 100%;
    height: 410px;
  }

  #services .services-carousel .slide .slide-caption,
  #services .services-carousel .slide.is-focus .slide-caption {
    max-width: 78%;
  }
}

@media (prefers-reduced-motion: reduce) {
  #services .services-carousel .slide.is-focus img,
  #services .services-carousel .slide.is-focus .slide-caption,
  #services .services-carousel .slide.is-focus::before {
    animation-duration: 0.01ms;
  }
}

@media (max-width: 380px) {
  .hero h1 {
    font-size: 2rem;
  }

  .trust-strip {
    grid-template-columns: 1fr;
  }

  .trust-strip div {
    display: flex;
    align-items: baseline;
    justify-content: space-between;
    padding-inline: 0.85rem;
  }

  .about-image img,
  .trust-image img {
    height: 250px;
  }
}

/* Keep both carousel sections identical to the pure-white page canvas. */
#services,
.what-you-get-section,
#services .services-carousel,
.what-you-get-section .what-you-get-carousel,
#services .carousel-viewer,
.what-you-get-section .carousel-viewer,
#services .carousel-track,
.what-you-get-section .carousel-track,
#services .slide,
.what-you-get-section .slide,
.what-you-get-section .what-you-get-card {
  background-color: #ffffff !important;
  background-image: none !important;
}

#services .slide,
#services .slide img,
.what-you-get-section .slide,
.what-you-get-section .what-you-get-card,
#services .slide.active-slide,
.what-you-get-section .slide.active-slide,
#services .slide.active-slide img,
.what-you-get-section .slide.active-slide .what-you-get-card {
  border-color: transparent !important;
  outline: none !important;
  box-shadow: none !important;
}

.what-you-get-section .what-you-get-card:hover {
  border-color: transparent !important;
  box-shadow: none !important;
}

/* Retain a defined frame around benefit cards without tinting the carousel canvas. */
.what-you-get-section .what-you-get-card,
.what-you-get-section .slide.active-slide .what-you-get-card {
  border: 1px solid rgba(236, 231, 231, 0.9) !important;
  box-shadow: none !important;
}

.what-you-get-section .what-you-get-card:hover {
  border-color: rgba(200, 58, 58, 0.18) !important;
  box-shadow: none !important;
}

/* Prevent active/cloned carousel elements from adding a tinted band below cards. */
.what-you-get-carousel *,
.what-you-get-carousel *::before,
.what-you-get-carousel *::after {
  filter: none !important;
  box-shadow: none !important;
}

.what-you-get-carousel .what-you-get-card,
.what-you-get-carousel .what-you-get-card:hover,
.what-you-get-carousel .slide.active-slide .what-you-get-card {
  border: 1px solid #ece7e7 !important;
  outline: none !important;
  box-shadow: none !important;
}

.what-you-get-carousel .carousel-viewer,
.what-you-get-carousel .carousel-track,
.what-you-get-carousel .slide {
  background: #ffffff !important;
  box-shadow: none !important;
}

.what-you-get-carousel .carousel-track {
  padding-bottom: 0 !important;
}

.what-you-get-carousel .slide {
  overflow: hidden !important;
}

/* Strong MortgageX-red frame and shadow for benefit cards. */
.what-you-get-carousel .carousel-track {
  padding-bottom: 1.25rem !important;
  background: #ffffff !important;
}

.what-you-get-carousel .slide {
  overflow: visible !important;
}

.what-you-get-carousel .what-you-get-card,
.what-you-get-carousel .what-you-get-card:hover,
.what-you-get-carousel .slide.active-slide .what-you-get-card {
  background: #ffffff !important;
  border: 1px solid rgba(200, 58, 58, 0.28) !important;
  box-shadow: 0 4px 0 rgba(200, 58, 58, 0.14), 0 8px 16px rgba(200, 58, 58, 0.1) !important;
}

/* Services: oversized editorial carousel with a visible next-card preview. */
#services .services-carousel {
  padding: 1rem 3.5rem 2rem;
  overflow: hidden;
  border-radius: 36px;
}

#services .services-carousel .carousel-viewer {
  overflow: visible;
  padding: 0;
  border-radius: 30px;
}

#services .services-carousel .carousel-track {
  gap: 1.25rem;
  padding: 1.25rem 0 2rem;
}

#services .services-carousel .slide {
  flex: 0 0 82%;
  max-width: 82%;
  height: 440px;
  opacity: 0.42;
  transform: scale(0.92) translateY(16px);
  clip-path: inset(0 round 30px);
  filter: saturate(0.6);
  box-shadow: 0 18px 44px rgba(30, 24, 24, 0.1);
  transition: transform 0.72s cubic-bezier(0.16, 1, 0.3, 1), opacity 0.55s ease, filter 0.55s ease, box-shadow 0.72s ease;
}

#services .services-carousel .slide.is-near {
  opacity: 0.6;
  transform: scale(0.94) translateY(10px);
  filter: saturate(0.75);
}

#services .services-carousel .slide.is-focus {
  opacity: 1;
  transform: scale(1) translateY(0);
  filter: none;
  box-shadow: 0 34px 78px rgba(30, 24, 24, 0.2);
}

#services .services-carousel .slide img,
#services .services-carousel .slide.is-focus img {
  width: 100%;
  height: 100%;
  transform: scale(1.03);
  border-radius: 30px;
  transition: transform 3.6s cubic-bezier(0.2, 0.7, 0.2, 1);
}

#services .services-carousel .slide.is-focus img {
  transform: scale(1);
}

#services .services-carousel .slide::after,
#services .services-carousel .slide.is-focus::after {
  opacity: 1;
  border-radius: 30px;
  background: linear-gradient(90deg, rgba(20, 16, 16, 0.72) 0%, rgba(20, 16, 16, 0.12) 62%, transparent 100%);
}

#services .services-carousel .slide .slide-caption,
#services .services-carousel .slide.is-focus .slide-caption {
  left: clamp(1.25rem, 4vw, 3.25rem);
  right: auto;
  bottom: clamp(1.25rem, 4vw, 3rem);
  max-width: min(75%, 520px);
  padding: 0;
  color: #fff;
  background: transparent;
  backdrop-filter: none;
  box-shadow: none;
  border-radius: 0;
  font-size: clamp(1.55rem, 3.5vw, 3rem);
  line-height: 1.05;
  letter-spacing: -0.035em;
  opacity: 0;
  transform: translateX(-32px);
  transition: opacity 0.5s ease 0.12s, transform 0.65s cubic-bezier(0.16, 1, 0.3, 1) 0.08s;
}

#services .services-carousel .slide.is-focus .slide-caption {
  opacity: 1;
  transform: translateX(0);
}

@media (max-width: 700px) {
  #services .services-carousel {
    padding: 0.5rem 1rem 1.5rem;
  }

  #services .services-carousel .slide {
    flex-basis: 88%;
    max-width: 88%;
    height: 360px;
  }

  #services .services-carousel .carousel-control {
    width: 44px;
    height: 44px;
  }

  #services .services-carousel .carousel-control.prev {
    left: 0;
  }

  #services .services-carousel .carousel-control.next {
    right: 0;
  }
}

/* Final trust layout override: text left and image right. */
@media (min-width: 901px) {
  .trust-section .trust-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.05fr) minmax(340px, 0.95fr);
    align-items: start;
    gap: 2.75rem;
  }

  .trust-section .trust-copy {
    max-width: 650px;
  }

  .trust-section .trust-list {
    grid-template-columns: 1fr;
  }

  .trust-section .trust-image img {
    width: 100%;
    height: 460px;
    min-height: 0;
    object-fit: cover;
    object-position: center 28%;
  }
}

@media (max-width: 900px) {
  .trust-section .trust-grid {
    grid-template-columns: 1fr;
  }
}

/* Lender Network: sequential logo-wave animation. */
.lenders-logo-marquee {
  width: min(1160px, calc(100% - 2rem));
  margin: 2.5rem auto 0;
  padding: 1.5rem;
  overflow: visible;
  border-radius: 30px;
  background: #f7f7f9;
}

.lenders-logo-track,
.lenders-logo-track--forward,
.lenders-logo-track--reverse {
  display: block;
  width: 100%;
  animation: none;
  transform: none;
}

.lenders-logo-track + .lenders-logo-track {
  margin-top: 0.75rem;
}

.lenders-logo-group {
  width: 100%;
  min-height: 100px;
  padding: 0.5rem;
  gap: 1rem;
}

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

.lender-logo-item {
  height: 88px;
  padding: 0.8rem 1rem;
  border: 1px solid rgba(29, 29, 31, 0.08);
  border-radius: 20px;
  background: #fff;
  box-shadow: 0 6px 18px rgba(29, 29, 31, 0.05);
  animation: lender-logo-wave 5s cubic-bezier(0.45, 0, 0.2, 1) infinite;
  will-change: transform, box-shadow;
}

.lender-logo-item:nth-child(2) { animation-delay: 0.25s; }
.lender-logo-item:nth-child(3) { animation-delay: 0.5s; }
.lender-logo-item:nth-child(4) { animation-delay: 0.75s; }
.lender-logo-item:nth-child(5) { animation-delay: 1s; }

.lenders-logo-track--reverse .lender-logo-item:nth-child(1) { animation-delay: 1.25s; }
.lenders-logo-track--reverse .lender-logo-item:nth-child(2) { animation-delay: 1.5s; }
.lenders-logo-track--reverse .lender-logo-item:nth-child(3) { animation-delay: 1.75s; }
.lenders-logo-track--reverse .lender-logo-item:nth-child(4) { animation-delay: 2s; }
.lenders-logo-track--reverse .lender-logo-item:nth-child(5) { animation-delay: 2.25s; }

.lenders-logo-marquee:hover .lender-logo-item,
.lenders-logo-marquee:focus-within .lender-logo-item {
  animation-play-state: paused;
}

@keyframes lender-logo-wave {
  0%, 18%, 100% {
    transform: translateY(0) scale(1);
    box-shadow: 0 6px 18px rgba(29, 29, 31, 0.05);
  }
  8% {
    transform: translateY(-10px) scale(1.035);
    box-shadow: 0 18px 34px rgba(200, 58, 58, 0.14);
  }
}

@media (max-width: 700px) {
  .lenders-logo-marquee {
    padding: 0.75rem;
    overflow-x: auto;
  }

  .lenders-logo-group {
    width: 680px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .lender-logo-item {
    animation: none;
  }
}

/* Client reviews: modern blur-and-rise spotlight. */
.feedback-section {
  padding: clamp(4rem, 8vw, 7rem) 0;
  background: linear-gradient(145deg, #f4f7ef 0%, #fbfaf8 100%);
}

.feedback-section-heading {
  max-width: 720px;
  margin-bottom: 2rem;
}

.feedback-section-heading h2 {
  margin: 0;
  color: #1d1d1f;
  font-size: clamp(2.3rem, 5vw, 4.25rem);
  line-height: 1.02;
  letter-spacing: -0.055em;
}

.feedback-showcase {
  position: relative;
  min-height: 390px;
  padding: 0 5rem 4.5rem;
}

.feedback-showcase .carousel-viewer {
  width: 100%;
  overflow: visible;
}

.feedback-showcase .carousel-track {
  position: relative;
  display: block;
  min-height: 310px;
  transform: none !important;
}

.feedback-showcase .feedback-card {
  position: absolute;
  inset: 0;
  width: min(820px, 100%);
  max-width: 820px;
  min-height: 290px;
  margin: 0 auto;
  padding: clamp(2rem, 5vw, 4rem);
  display: flex;
  flex-direction: column;
  justify-content: center;
  color: #1d1d1f;
  background: rgba(255, 255, 255, 0.92);
  border: 1px solid rgba(29, 29, 31, 0.1);
  border-radius: 32px;
  box-shadow: 0 28px 70px rgba(38, 46, 32, 0.11);
  opacity: 0;
  filter: blur(10px);
  transform: translateY(28px) scale(0.97);
  pointer-events: none;
  transition: opacity 0.65s ease, filter 0.7s ease, transform 0.8s cubic-bezier(0.16, 1, 0.3, 1);
}

.feedback-showcase .feedback-card::before {
  content: "“";
  position: absolute;
  top: 0.6rem;
  right: 2rem;
  color: rgba(112, 147, 76, 0.12);
  font-family: Georgia, serif;
  font-size: 8rem;
  line-height: 1;
}

.feedback-showcase .feedback-card.is-review-active {
  opacity: 1;
  filter: blur(0);
  transform: translateY(0) scale(1);
  pointer-events: auto;
  z-index: 2;
}

.feedback-showcase .feedback-card > p {
  min-height: 0;
  max-width: 680px;
  margin: 1rem 0 1.75rem;
  color: #454943;
  font-size: clamp(1.15rem, 2.2vw, 1.6rem);
  line-height: 1.5;
}

.feedback-showcase .carousel-control {
  width: 48px;
  height: 48px;
  color: #1d1d1f;
  background: rgba(255, 255, 255, 0.9);
  border: 1px solid rgba(29, 29, 31, 0.1);
  box-shadow: 0 10px 28px rgba(38, 46, 32, 0.1);
}

.feedback-showcase .carousel-control.prev {
  left: 0;
}

.feedback-showcase .carousel-control.next {
  right: 0;
}

.feedback-progress {
  position: absolute;
  left: 50%;
  bottom: 1rem;
  display: flex;
  gap: 0.55rem;
  transform: translateX(-50%);
}

.feedback-progress button {
  width: 9px;
  height: 9px;
  padding: 0;
  border: 0;
  border-radius: 999px;
  background: rgba(29, 29, 31, 0.2);
  cursor: pointer;
  transition: width 0.35s ease, background 0.35s ease;
}

.feedback-progress button.is-active {
  width: 30px;
  background: var(--accent);
}

@media (max-width: 700px) {
  .feedback-showcase {
    min-height: 430px;
    padding: 0 0 4.75rem;
  }

  .feedback-showcase .carousel-track {
    min-height: 340px;
  }

  .feedback-showcase .feedback-card {
    min-height: 330px;
    padding: 2rem 1.5rem;
    border-radius: 24px;
  }

  .feedback-showcase .carousel-control {
    top: auto;
    bottom: 0.25rem;
    transform: none !important;
  }

  .feedback-showcase .carousel-control.prev {
    left: calc(50% - 92px);
  }

  .feedback-showcase .carousel-control.next {
    right: calc(50% - 92px);
  }
}

@media (prefers-reduced-motion: reduce) {
  .feedback-showcase .feedback-card,
  .feedback-progress button {
    transition-duration: 0.01ms;
  }
}

/* We're Here to Help: modern form treatment. */
.quick-assistance-section {
  background: linear-gradient(145deg, #f4f8ef 0%, #fafbf8 100%);
}

.quick-form {
  position: relative;
  gap: 1.25rem;
  padding: clamp(1.75rem, 4vw, 3rem);
  overflow: hidden;
  border: 1px solid rgba(29, 29, 31, 0.1);
  border-radius: 28px;
  background: rgba(255, 255, 255, 0.94);
  box-shadow: 0 28px 70px rgba(38, 46, 32, 0.11);
  backdrop-filter: blur(16px);
}

.quick-form-row {
  gap: 1rem;
}

.quick-form label {
  gap: 0.5rem;
  color: #343438;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.02em;
}

.quick-form input,
.quick-form select,
.quick-form textarea {
  min-height: 54px;
  padding: 0.85rem 1rem;
  border: 1px solid rgba(29, 29, 31, 0.12);
  border-radius: 14px;
  outline: none;
  background: #f7f7f8;
  color: #1d1d1f;
  font: inherit;
  font-weight: 400;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.8);
  transition: border-color 0.25s ease, background 0.25s ease, box-shadow 0.25s ease, transform 0.25s ease;
}

.quick-form select {
  cursor: pointer;
}

.quick-form textarea {
  min-height: 120px;
  resize: vertical;
}

.quick-form input:hover,
.quick-form select:hover,
.quick-form textarea:hover {
  border-color: rgba(29, 29, 31, 0.24);
  background: #fff;
}

.quick-form input:focus,
.quick-form select:focus,
.quick-form textarea:focus {
  border-color: rgba(200, 58, 58, 0.68);
  background: #fff;
  box-shadow: 0 0 0 4px rgba(200, 58, 58, 0.1);
  transform: translateY(-1px);
}

.quick-submit {
  min-height: 56px;
  margin-top: 0.25rem;
  border: 0;
  border-radius: 16px;
  background: linear-gradient(135deg, var(--accent), var(--accent-dark));
  color: #fff;
  font: inherit;
  font-weight: 700;
  letter-spacing: 0.02em;
  text-transform: none;
  box-shadow: 0 14px 28px rgba(200, 58, 58, 0.24);
  cursor: pointer;
  transition: transform 0.25s ease, box-shadow 0.25s ease, filter 0.25s ease;
}

.quick-submit:hover {
  background: linear-gradient(135deg, var(--accent), var(--accent-dark));
  transform: translateY(-2px);
  box-shadow: 0 18px 34px rgba(200, 58, 58, 0.3);
  filter: saturate(1.08);
}

.quick-submit:active {
  transform: translateY(0);
}

.quick-submit:focus-visible {
  outline: 3px solid rgba(200, 58, 58, 0.28);
  outline-offset: 3px;
}

@media (max-width: 700px) {
  .quick-form {
    padding: 1.4rem;
    border-radius: 22px;
  }

  .quick-form input,
  .quick-form select,
  .quick-form textarea {
    font-size: 16px;
  }
}

/* Review author spacing and Mortgex-red customer accent. */
.feedback-showcase .feedback-card > p {
  margin-bottom: 2.25rem;
}

.feedback-showcase .feedback-author {
  gap: 0.85rem;
  margin-top: 0.25rem;
  color: var(--accent);
}

.feedback-showcase .feedback-avatar,
.feedback-showcase .feedback-avatar::before {
  background: var(--accent);
}

/* Keep review content evenly separated regardless of text length. */
.feedback-showcase .feedback-card,
.feedback-showcase .feedback-card.is-review-active {
  display: grid;
  grid-template-rows: auto minmax(8rem, auto) auto;
  align-content: center;
  row-gap: 1.75rem;
}

.feedback-showcase .feedback-card > p {
  min-height: 8rem;
  margin: 0;
}

.feedback-showcase .feedback-author {
  margin: 0;
}

@media (max-width: 700px) {
  .feedback-showcase .feedback-card,
  .feedback-showcase .feedback-card.is-review-active {
    grid-template-rows: auto minmax(10rem, auto) auto;
    row-gap: 1.5rem;
  }

  .feedback-showcase .feedback-card > p {
    min-height: 10rem;
  }
}

/* How We Help: refined modern cards. */
.benefits-showcase .slide {
  min-height: 320px;
}

.benefits-showcase .what-you-get-card,
.benefits-showcase .what-you-get-card:hover,
.benefits-showcase .slide.active-slide .what-you-get-card {
  position: relative;
  min-height: 320px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  gap: 0;
  padding: 2rem;
  background: linear-gradient(155deg, #ffffff 0%, #fdfafa 100%) !important;
  border: 1px solid rgba(29, 29, 31, 0.1) !important;
  border-radius: 30px;
  box-shadow: 0 10px 30px rgba(29, 29, 31, 0.07), 0 2px 7px rgba(29, 29, 31, 0.04) !important;
}

.benefits-showcase .what-you-get-card::before {
  content: "";
  position: absolute;
  inset: 0 auto auto 0;
  width: 100%;
  height: 4px;
  background: linear-gradient(90deg, var(--accent), #ee8b7c);
  transform: scaleX(0.18);
  transform-origin: left;
  transition: transform 0.45s cubic-bezier(0.16, 1, 0.3, 1);
}

.benefits-showcase .what-you-get-card::after {
  content: "";
  position: absolute;
  top: -75px;
  right: -75px;
  width: 170px;
  height: 170px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(200, 58, 58, 0.1), transparent 68%);
  pointer-events: none;
  transition: transform 0.5s ease, opacity 0.5s ease;
}

.benefits-showcase .what-you-get-card:hover {
  transform: translateY(-9px);
  border-color: rgba(200, 58, 58, 0.24) !important;
  box-shadow: 0 24px 52px rgba(29, 29, 31, 0.12), 0 5px 14px rgba(200, 58, 58, 0.08) !important;
}

.benefits-showcase .what-you-get-card:hover::before {
  transform: scaleX(1);
}

.benefits-showcase .what-you-get-card:hover::after {
  transform: scale(1.2);
}

.benefits-showcase .card-icon {
  position: relative;
  z-index: 1;
  width: 58px;
  height: 58px;
  flex: 0 0 58px;
  margin: 0 0 1.75rem;
  border: 1px solid rgba(200, 58, 58, 0.12);
  border-radius: 18px;
  color: var(--accent);
  background: linear-gradient(145deg, #fae5e5, #f7d8d8);
  box-shadow: 0 9px 20px rgba(200, 58, 58, 0.1);
  transition: transform 0.4s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.4s ease;
}

.benefits-showcase .what-you-get-card:hover .card-icon {
  transform: translateY(-3px) rotate(-3deg);
  box-shadow: 0 14px 26px rgba(200, 58, 58, 0.17);
}

.benefits-showcase .card-icon svg {
  width: 26px;
  height: 26px;
}

.benefits-showcase .what-you-get-card h3 {
  position: relative;
  z-index: 1;
  min-height: 2.55em;
  margin: 0 0 0.9rem;
  color: #1d1d1f;
  font-size: clamp(1.25rem, 2vw, 1.55rem);
  line-height: 1.15;
  letter-spacing: -0.035em;
}

.benefits-showcase .what-you-get-card p {
  position: relative;
  z-index: 1;
  margin: 0;
  color: #626267;
  font-size: 1rem;
  line-height: 1.55;
}

@media (max-width: 700px) {
  .benefits-showcase .slide,
  .benefits-showcase .what-you-get-card,
  .benefits-showcase .what-you-get-card:hover,
  .benefits-showcase .slide.active-slide .what-you-get-card {
    min-height: 310px;
  }

  .benefits-showcase .what-you-get-card {
    padding: 1.65rem;
    border-radius: 24px;
  }
}

/* Our Process: modern step cards. */
.process-section {
  padding: clamp(4rem, 8vw, 7rem) 0;
  background: #f5f5f7;
}

.process-section .section-heading {
  max-width: 780px;
  margin-bottom: 2.25rem;
}

.process-section .section-heading h2 {
  color: #1d1d1f;
  font-size: clamp(2.3rem, 5vw, 4.25rem);
  line-height: 1.02;
  letter-spacing: -0.055em;
}

.process-section .timeline {
  gap: 1.25rem;
}

.process-section .timeline-item {
  position: relative;
  height: 320px;
  min-height: 320px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  padding: 2rem;
  background: #fff;
  border: 0;
  border-radius: 28px;
  box-shadow: 0 12px 34px rgba(29, 29, 31, 0.08);
  transition: transform 0.45s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.45s ease;
}

.process-section .timeline-item::before {
  content: "";
  position: absolute;
  inset: 0 0 auto;
  height: 4px;
  background: linear-gradient(90deg, var(--accent), #ea8375);
  transform: scaleX(0.2);
  transform-origin: left;
  transition: transform 0.45s cubic-bezier(0.16, 1, 0.3, 1);
}

.process-section .timeline-item::after {
  content: "";
  position: absolute;
  right: -60px;
  bottom: -70px;
  width: 170px;
  height: 170px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(200, 58, 58, 0.09), transparent 68%);
  pointer-events: none;
  transition: transform 0.5s ease;
}

.process-section .timeline-item:hover {
  transform: translateY(-8px);
  box-shadow: 0 25px 55px rgba(29, 29, 31, 0.13);
}

.process-section .timeline-item:hover::before {
  transform: scaleX(1);
}

.process-section .timeline-item:hover::after {
  transform: scale(1.2);
}

.process-section .timeline-item span {
  width: 54px;
  height: 54px;
  display: grid;
  place-items: center;
  flex: 0 0 54px;
  margin: 0 0 2rem;
  color: #fff;
  background: var(--accent);
  border-radius: 18px;
  box-shadow: 0 10px 22px rgba(200, 58, 58, 0.2);
  font-size: 0.95rem;
  font-weight: 800;
  line-height: 1;
  letter-spacing: 0.02em;
  transition: transform 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}

.process-section .timeline-item:hover span {
  transform: translateY(-3px) rotate(-4deg);
}

.process-section .timeline-item h3 {
  margin: 0 0 0.9rem;
  color: #1d1d1f;
  font-size: 1.35rem;
  line-height: 1.15;
  letter-spacing: -0.035em;
}

.process-section .timeline-item p {
  margin: 0;
  color: #68686d;
  font-size: 0.98rem;
  line-height: 1.55;
}

@media (max-width: 700px) {
  .process-section .timeline-item {
    height: auto;
    min-height: 290px;
    padding: 1.75rem;
    border-radius: 24px;
  }
}

/* Footer: modern dark-card treatment. */
.site-footer {
  position: relative;
  overflow: hidden;
  padding: clamp(1.5rem, 4vw, 3rem) 0 1.25rem;
  color: #fff;
  background: var(--accent);
}

.site-footer::before {
  content: "";
  position: absolute;
  top: -220px;
  left: 50%;
  width: 700px;
  height: 420px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255, 255, 255, 0.16), transparent 68%);
  transform: translateX(-50%);
  pointer-events: none;
}

.site-footer .footer-content {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(260px, 1.45fr) 0.7fr 1fr minmax(260px, 1.25fr);
  align-items: start;
  gap: clamp(2rem, 4vw, 4rem);
  padding: clamp(2rem, 5vw, 4rem);
  border: 1px solid rgba(255, 255, 255, 0.09);
  border-radius: 34px;
  background: linear-gradient(145deg, #b83236, #98272c);
  box-shadow: 0 28px 70px rgba(91, 16, 20, 0.3);
}

.site-footer .footer-brand {
  margin-bottom: 1.5rem;
}

.site-footer .footer-logo {
  width: min(100%, 245px);
}

.site-footer .footer-about p {
  max-width: 28rem;
  color: rgba(255, 255, 255, 0.68);
  font-size: 0.95rem;
  line-height: 1.7;
}

.site-footer .footer-column {
  gap: 0.75rem;
}

.site-footer .footer-column h3 {
  position: relative;
  margin: 0 0 1rem;
  padding-bottom: 0.75rem;
  color: #fff;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.site-footer .footer-column h3::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0;
  width: 32px;
  height: 2px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.72);
}

.site-footer .footer-column a {
  width: fit-content;
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.92rem;
  text-decoration: none;
  transition: color 0.25s ease, transform 0.25s ease;
}

.site-footer .footer-column nav a,
.site-footer nav.footer-column a {
  position: relative;
}

.site-footer .footer-column a:hover {
  color: #fff;
  text-decoration: none;
  transform: translateX(4px);
}

.site-footer .footer-contact {
  gap: 0.7rem;
}

.site-footer .footer-contact > div {
  gap: 0.35rem;
  padding: 0.9rem 1rem;
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 14px;
  background: rgba(255, 255, 255, 0.035);
  transition: border-color 0.25s ease, background 0.25s ease;
}

.site-footer .footer-contact > div:hover {
  border-color: rgba(255, 255, 255, 0.28);
  background: rgba(255, 255, 255, 0.09);
}

.site-footer .footer-contact-label {
  color: rgba(255, 255, 255, 0.48);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.site-footer .footer-contact-item {
  gap: 0.7rem;
  color: rgba(255, 255, 255, 0.88);
  font-size: 0.88rem;
}

.site-footer .footer-contact-item > span:first-child {
  color: #fff;
}

.site-footer .footer-bottom {
  position: relative;
  z-index: 1;
  margin-top: 1.25rem;
  padding-top: 1.25rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  color: rgba(255, 255, 255, 0.46);
  font-size: 0.78rem;
  text-align: center;
}

@media (max-width: 1050px) {
  .site-footer .footer-content {
    grid-template-columns: 1.4fr 0.8fr 1fr;
  }

  .site-footer .footer-contact {
    grid-column: 1 / -1;
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (max-width: 700px) {
  .site-footer .footer-content {
    grid-template-columns: 1fr;
    gap: 2.25rem;
    padding: 1.75rem;
    border-radius: 26px;
  }

  .site-footer .footer-contact {
    grid-column: auto;
    grid-template-columns: 1fr;
  }

  .site-footer .footer-bottom {
    text-align: center;
  }
}


/* Footer: Mortgex-red palette with brand content on the right. */
.site-footer {
  background: #a91f27;
}

.site-footer::before {
  background: radial-gradient(circle, rgba(255, 255, 255, 0.14), transparent 68%);
}

.site-footer .footer-content {
  grid-template-columns: 0.72fr 1fr minmax(250px, 1.25fr) minmax(270px, 1.35fr);
  background: #a91f27;
  border-color: rgba(255, 255, 255, 0.16);
  box-shadow: 0 28px 70px rgba(92, 12, 18, 0.3);
}

.site-footer .footer-about {
  grid-column: 4;
  grid-row: 1;
}

.site-footer nav.footer-column[aria-label="Footer quick links"] {
  grid-column: 1;
  grid-row: 1;
}

.site-footer nav.footer-column[aria-label="Footer services"] {
  grid-column: 2;
  grid-row: 1;
}

.site-footer .footer-contact {
  grid-column: 3;
  grid-row: 1;
}

.site-footer .footer-column h3::after {
  background: rgba(255, 255, 255, 0.85);
}

.site-footer .footer-contact-item > span:first-child {
  color: #fff;
}

@media (max-width: 1050px) {
  .site-footer .footer-content {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .site-footer .footer-about,
  .site-footer nav.footer-column[aria-label="Footer quick links"],
  .site-footer nav.footer-column[aria-label="Footer services"],
  .site-footer .footer-contact {
    grid-column: auto;
    grid-row: auto;
  }

  .site-footer .footer-about {
    order: 4;
  }

  .site-footer .footer-contact {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 700px) {
  .site-footer .footer-content {
    grid-template-columns: 1fr;
  }

  .site-footer .footer-about {
    order: 0;
  }
}

/* How We Help: minimal premium cards. */
.benefits-showcase .slide {
  height: 350px;
  min-height: 350px;
}

.benefits-showcase .what-you-get-card,
.benefits-showcase .what-you-get-card:hover,
.benefits-showcase .slide.active-slide .what-you-get-card {
  min-height: 350px;
  height: 350px;
  padding: 2.15rem;
  display: grid;
  grid-template-rows: auto auto 1fr auto;
  align-content: start;
  background: #fff !important;
  border: 0 !important;
  border-radius: 32px;
  box-shadow: 0 12px 35px rgba(29, 29, 31, 0.08) !important;
  transition: transform 0.45s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.45s ease !important;
}

.benefits-showcase .what-you-get-card::before {
  display: none;
}

.benefits-showcase .what-you-get-card::after {
  display: none;
}

.benefits-showcase .what-you-get-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 24px 55px rgba(29, 29, 31, 0.13) !important;
}

.benefits-showcase .what-you-get-card:hover::after {
  color: #fff;
  background: var(--accent);
  transform: translateX(3px);
}

.benefits-showcase .card-icon,
.benefits-showcase .what-you-get-card:hover .card-icon {
  width: 64px;
  height: 64px;
  margin: 0 0 2rem;
  border: 0;
  border-radius: 50%;
  color: var(--accent);
  background: #f8e4e4;
  box-shadow: none;
  transform: none;
  transition: color 0.3s ease, background 0.3s ease, transform 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}

.benefits-showcase .what-you-get-card:hover .card-icon {
  color: #fff;
  background: var(--accent);
  transform: scale(1.06);
}

.benefits-showcase .card-icon svg {
  width: 28px;
  height: 28px;
}

.benefits-showcase .what-you-get-card h3 {
  min-height: 0;
  margin: 0 0 1rem;
  color: #1d1d1f;
  font-size: clamp(1.35rem, 2vw, 1.65rem);
  line-height: 1.1;
  letter-spacing: -0.04em;
}

.benefits-showcase .what-you-get-card p {
  margin: 0 0 1.5rem;
  color: #68686d;
  font-size: 1rem;
  line-height: 1.55;
}

@media (max-width: 700px) {
  .benefits-showcase .slide,
  .benefits-showcase .what-you-get-card,
  .benefits-showcase .what-you-get-card:hover,
  .benefits-showcase .slide.active-slide .what-you-get-card {
    height: 335px;
    min-height: 335px;
  }

  .benefits-showcase .what-you-get-card {
    padding: 1.75rem;
    border-radius: 26px;
  }
}
.contact-section {
  width: min(100%, 760px);
  margin-inline: auto;
}

#contact {
  scroll-margin-top: 110px;
}

@media (max-width: 700px) {
  #contact {
    scroll-margin-top: 88px;
  }
}
.form-honeypot {
  position: absolute !important;
  left: -9999px !important;
  width: 1px !important;
  height: 1px !important;
  opacity: 0 !important;
  pointer-events: none !important;
}

.form-status {
  display: none;
  margin: 0;
  color: #b91c1c;
  font-weight: 600;
  text-align: center;
}

.form-status.is-visible {
  display: block;
}
.benefits-showcase-section {
  padding-bottom: 2.25rem;
}

.process-section {
  padding-top: 2.25rem;
}

@media (max-width: 900px) {
  .benefits-showcase-section {
    padding-bottom: 1.75rem;
  }

  .process-section {
    padding-top: 1.75rem;
  }

  .benefits-showcase .slide {
    flex-basis: min(72vw, 265px);
    width: min(72vw, 265px);
    height: 270px;
    min-height: 270px;
  }

  .benefits-showcase .what-you-get-card,
  .benefits-showcase .what-you-get-card:hover,
  .benefits-showcase .slide.active-slide .what-you-get-card {
    height: 270px;
    min-height: 270px;
    padding: 1.2rem;
    border-radius: 20px;
  }

  .benefits-showcase .card-icon,
  .benefits-showcase .what-you-get-card:hover .card-icon {
    width: 46px;
    height: 46px;
    margin-bottom: 1rem;
  }

  .benefits-showcase .card-icon svg {
    width: 21px;
    height: 21px;
  }

  .benefits-showcase .what-you-get-card h3 {
    margin-bottom: 0.75rem;
    font-size: 1.08rem;
  }

  .benefits-showcase .what-you-get-card p {
    margin-bottom: 0;
    font-size: 0.88rem;
    line-height: 1.4;
  }

  .lenders-logo-marquee {
    margin-top: 1.5rem;
    padding: 0.5rem;
    overflow-x: auto;
    scrollbar-width: none;
  }

  .lenders-logo-marquee::-webkit-scrollbar {
    display: none;
  }

  .lenders-logo-group {
    width: 600px;
    min-height: 68px;
    gap: 0.7rem;
    padding: 0.35rem;
  }

  .lender-logo-item {
    height: 62px;
    padding: 0.55rem 0.7rem;
    border-radius: 15px;
    animation-name: lender-logo-wave-mobile;
    animation-duration: 6s;
    will-change: transform;
  }

  .lender-logo-item img {
    max-width: 112px;
    max-height: 44px;
  }

  .lender-logo-item--nab {
    gap: 0.3rem;
  }

  .lender-logo-item--nab img {
    width: 42px;
    height: 42px;
  }

  .lender-logo-item--nab span {
    font-size: 1.65rem;
  }
}

@keyframes lender-logo-wave-mobile {
  0%, 16%, 100% {
    transform: translateY(0) scale(1);
  }
  8% {
    transform: translateY(-5px) scale(1.018);
  }
}

/* Definitive compact layouts for phones and tablet-sized mobile previews. */
@media (max-width: 900px) {
  .benefits-showcase .slide {
    flex: 0 0 min(64vw, 235px) !important;
    width: min(64vw, 235px) !important;
    height: 250px !important;
    min-height: 250px !important;
  }

  .benefits-showcase .what-you-get-card,
  .benefits-showcase .what-you-get-card:hover,
  .benefits-showcase .slide.active-slide .what-you-get-card {
    width: 100% !important;
    height: 250px !important;
    min-height: 250px !important;
    padding: 1.05rem !important;
    border-radius: 18px !important;
  }

  .benefits-showcase .card-icon,
  .benefits-showcase .what-you-get-card:hover .card-icon {
    width: 42px;
    height: 42px;
    margin-bottom: 0.85rem;
  }

  .benefits-showcase .what-you-get-card h3 {
    margin-bottom: 0.55rem;
    font-size: 1rem;
    line-height: 1.1;
  }

  .benefits-showcase .what-you-get-card p {
    font-size: 0.82rem;
    line-height: 1.35;
  }

  .lenders-logo-marquee {
    width: 100%;
    padding: 0.4rem 0;
    overflow: hidden;
    touch-action: pan-y;
  }

  .lenders-logo-track,
  .lenders-logo-track--forward,
  .lenders-logo-track--reverse {
    display: flex;
    width: max-content;
    margin: 0;
    transform: translateZ(0);
    will-change: transform;
  }

  .lenders-logo-track + .lenders-logo-track {
    margin-top: 0.45rem;
  }

  .lenders-logo-track--forward {
    animation: mobile-lenders-forward 18s linear infinite;
  }

  .lenders-logo-track--reverse {
    animation: mobile-lenders-reverse 18s linear infinite;
  }

  .lenders-logo-group,
  .lenders-logo-group[aria-hidden="true"] {
    flex: 0 0 600px;
    width: 600px;
    min-height: 64px;
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 0.55rem;
    padding: 0.3rem;
  }

  .lender-logo-item,
  .lender-logo-item:nth-child(n),
  .lenders-logo-track--reverse .lender-logo-item:nth-child(n) {
    height: 58px;
    padding: 0.45rem 0.6rem;
    border-radius: 14px;
    animation: none;
    will-change: auto;
  }
}

@keyframes mobile-lenders-forward {
  from { transform: translateX(-50%); }
  to { transform: translateX(0); }
}

@keyframes mobile-lenders-reverse {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}

@media (max-width: 900px) and (prefers-reduced-motion: reduce) {
  .lenders-logo-track--forward,
  .lenders-logo-track--reverse {
    animation-play-state: paused;
  }
}

.home-loan-page .quick-assistance-section,
.personal-loan-page .quick-assistance-section,
.business-loan-page .quick-assistance-section,
.asset-finance-page .quick-assistance-section,
.refinance-loan-page .quick-assistance-section,
.commercial-property-loan-page .quick-assistance-section,
.private-loan-page .quick-assistance-section,
.smsf-loan-page .quick-assistance-section {
  background: #fff;
}

body:not([class]) .benefits-showcase-section,
body:not([class]) .process-section,
body:not([class]) .feedback-section,
body:not([class]) .quick-assistance-section {
  background: #fff;
}

/* Home-loan service page. */
.loan-page-hero {
  padding: clamp(4rem, 8vw, 7rem) 0;
  color: #fff;
  background:
    linear-gradient(90deg, rgba(31, 15, 16, 0.9), rgba(68, 22, 24, 0.68)),
    url("https://images.pexels.com/photos/6186813/pexels-photo-6186813.jpeg?auto=compress&cs=tinysrgb&w=1800") center/cover;
}

.personal-loan-page .loan-page-hero {
  background:
    linear-gradient(90deg, rgba(31, 15, 16, 0.92), rgba(68, 22, 24, 0.62)),
    url("/personal-loan-hero.png") center/cover;
}

.business-loan-page .loan-page-hero {
  background:
    linear-gradient(90deg, rgba(31, 15, 16, 0.92), rgba(68, 22, 24, 0.62)),
    url("/business-loan-hero-office.png") center/cover;
}

.asset-finance-page .loan-page-hero {
  background:
    linear-gradient(90deg, rgba(31, 15, 16, 0.94), rgba(68, 22, 24, 0.56)),
    url("/asset-finance-v6.png") center 58%/cover;
}

.refinance-loan-page .loan-page-hero {
  background:
    linear-gradient(90deg, rgba(31, 15, 16, 0.94), rgba(68, 22, 24, 0.58)),
    url("/refinance-loan-hero-financial.png") center/cover;
}

.commercial-property-loan-page .loan-page-hero {
  background:
    linear-gradient(90deg, rgba(22, 15, 16, 0.94), rgba(68, 22, 24, 0.52)),
    url("/commercial-property-hero-office.png") center/cover;
}

.private-loan-page .loan-page-hero {
  background:
    linear-gradient(90deg, rgba(22, 15, 16, 0.94), rgba(68, 22, 24, 0.5)),
    url("/private-loan-hero-investor-handshake.png") center/cover;
}

.smsf-loan-page .loan-page-hero {
  background:
    linear-gradient(90deg, rgba(22, 15, 16, 0.94), rgba(68, 22, 24, 0.5)),
    url("/smsf-loan-hero.png") center/cover;
}

.loan-page-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(300px, 0.75fr);
  align-items: center;
  gap: clamp(2rem, 6vw, 5rem);
}

.loan-breadcrumb {
  display: flex;
  gap: 0.55rem;
  margin: 0 0 1.4rem;
  color: rgba(255, 255, 255, 0.78);
  font-size: 0.9rem;
}

.loan-breadcrumb a:hover {
  color: #fff;
}

.loan-page-hero h1 {
  max-width: 760px;
  margin: 0 0 1.25rem;
  font-size: clamp(3rem, 7vw, 5.8rem);
  line-height: 0.98;
  letter-spacing: -0.06em;
}

.loan-page-lead {
  max-width: 720px;
  margin: 0 0 2rem;
  color: rgba(255, 255, 255, 0.88);
  font-size: clamp(1.05rem, 2vw, 1.25rem);
  line-height: 1.65;
}

.loan-page-hero .btn-secondary {
  color: #fff;
  border-color: rgba(255, 255, 255, 0.65);
  background: rgba(255, 255, 255, 0.08);
}

.loan-summary-card {
  padding: clamp(1.6rem, 4vw, 2.4rem);
  border: 1px solid rgba(255, 255, 255, 0.24);
  border-radius: 28px;
  background: rgba(255, 255, 255, 0.12);
  box-shadow: 0 24px 60px rgba(0, 0, 0, 0.2);
  backdrop-filter: blur(16px);
}

.loan-summary-card h2 {
  margin: 0 0 1.25rem;
  font-size: clamp(1.7rem, 3vw, 2.3rem);
  line-height: 1.12;
}

.loan-summary-card ul {
  display: grid;
  gap: 0.9rem;
  margin: 0;
  padding: 0;
  list-style: none;
}

.loan-summary-card li {
  position: relative;
  padding-left: 1.7rem;
}

.loan-summary-card li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: #ffd4d1;
  font-weight: 800;
}

.loan-intro-section {
  background: #fff;
}

.loan-two-column {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  align-items: center;
  gap: clamp(2rem, 7vw, 6rem);
}

.loan-structure-image {
  min-height: 520px;
  overflow: hidden;
  border-radius: 28px;
  box-shadow: 0 22px 55px rgba(36, 24, 24, 0.13);
}

.loan-structure-image img {
  width: 100%;
  height: 100%;
  min-height: 520px;
  display: block;
  object-fit: cover;
  object-position: center;
}

.personal-loan-page .loan-structure-image {
  width: 100%;
  height: 360px;
  min-height: 0;
  margin-inline: auto;
}

.personal-loan-page .loan-structure-image img {
  height: 100%;
  min-height: 0;
  object-fit: cover;
  object-position: center;
}

.business-loan-page .loan-structure-image,
.asset-finance-page .loan-structure-image,
.refinance-loan-page .loan-structure-image,
.commercial-property-loan-page .loan-structure-image,
.private-loan-page .loan-structure-image,
.smsf-loan-page .loan-structure-image {
  width: 100%;
  height: 340px;
  min-height: 0;
}

.business-loan-page .loan-structure-image img,
.asset-finance-page .loan-structure-image img,
.refinance-loan-page .loan-structure-image img,
.commercial-property-loan-page .loan-structure-image img,
.private-loan-page .loan-structure-image img,
.smsf-loan-page .loan-structure-image img {
  height: 100%;
  min-height: 0;
  object-fit: cover;
  object-position: center;
}

.loan-structure-copy h2 {
  margin-bottom: 1.5rem;
}

.loan-two-column h2,
.loan-options-section h2,
.loan-process-section h2,
.loan-cta h2 {
  margin: 0;
  color: #1d1d1f;
  font-size: clamp(2.2rem, 5vw, 4.2rem);
  line-height: 1.05;
  letter-spacing: -0.05em;
}

.personal-loan-page .loan-structure-copy h2 {
  margin-bottom: 1.75rem;
}

.business-loan-page .loan-structure-copy h2 {
  margin-bottom: 1.75rem;
}

.asset-finance-page .loan-structure-copy h2 {
  margin-bottom: 1.75rem;
}

.refinance-loan-page .loan-structure-copy h2 {
  margin-bottom: 1.75rem;
}

.commercial-property-loan-page .loan-structure-copy h2 {
  margin-bottom: 1.75rem;
}

.private-loan-page .loan-structure-copy h2 {
  margin-bottom: 1.75rem;
}

.smsf-loan-page .loan-structure-copy h2 {
  margin-bottom: 1.75rem;
}

.loan-body-copy {
  color: #555158;
  font-size: 1.08rem;
}

.loan-body-copy p:first-child {
  margin-top: 0;
}

.loan-options-section {
  background: #f5f5f7;
}

.loan-option-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1rem;
}

.loan-option-card {
  min-height: 310px;
  padding: 1.6rem;
  border: 1px solid rgba(29, 29, 31, 0.1);
  border-radius: 24px;
  background: #fff;
  box-shadow: 0 12px 30px rgba(29, 29, 31, 0.05);
}

.loan-option-card > span {
  display: inline-grid;
  place-items: center;
  width: 42px;
  height: 42px;
  margin-bottom: 2.4rem;
  border-radius: 50%;
  color: #fff;
  background: var(--accent);
  font-size: 0.8rem;
  font-weight: 800;
}

.loan-option-card h3 {
  margin: 0 0 0.7rem;
  font-size: 1.35rem;
}

.loan-option-card p {
  margin: 0;
  color: #666;
}

.loan-process-section {
  background: #fff;
}

.loan-steps {
  width: min(100%, 940px);
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
  margin-inline: auto;
}

.loan-steps article {
  display: block;
  min-height: 150px;
  padding: 1.3rem;
  border: 1px solid rgba(29, 29, 31, 0.1);
  border-radius: 22px;
  background: #fff;
  box-shadow:
    0 5px 14px rgba(36, 24, 24, 0.06),
    0 18px 38px rgba(36, 24, 24, 0.08);
  transition:
    transform 0.25s ease,
    border-color 0.25s ease,
    box-shadow 0.25s ease;
}

.loan-steps article:hover {
  transform: translateY(-5px);
  border-color: rgba(200, 58, 58, 0.28);
  box-shadow:
    0 8px 18px rgba(36, 24, 24, 0.08),
    0 24px 48px rgba(36, 24, 24, 0.12);
}

.loan-steps strong {
  width: 60px;
  height: 60px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  color: #fff;
  background: var(--accent);
  box-shadow: 0 10px 24px rgba(200, 58, 58, 0.28);
  font-size: 1.75rem;
  font-weight: 800;
  line-height: 1;
  margin-bottom: 0.9rem;
}

.loan-steps h3 {
  margin: 0 0 0.3rem;
}

.loan-steps p {
  margin: 0;
  color: #666;
}

.loan-cta-section {
  padding-top: 1rem;
  background: #fff;
}

.loan-cta {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 2rem;
  padding: clamp(2rem, 6vw, 4.5rem);
  border-radius: 30px;
  background: #fff1ef;
}

.loan-cta p:not(.eyebrow) {
  max-width: 650px;
  margin-bottom: 0;
  color: #655;
}

.loan-cta .hero-actions {
  flex: 0 0 auto;
}

.loan-disclaimer {
  padding-top: 1.5rem;
  padding-bottom: 3rem;
  color: #777;
  font-size: 0.78rem;
}

@media (max-width: 900px) {
  .loan-page-hero-grid,
  .loan-two-column {
    grid-template-columns: 1fr;
  }

  .personal-loan-page .loan-two-column {
    row-gap: 0;
  }

  .personal-loan-page .loan-structure-image {
    height: 330px;
    min-height: 0;
  }

  .personal-loan-page .loan-structure-image img {
    min-height: 0;
  }

  .business-loan-page .loan-structure-image,
  .asset-finance-page .loan-structure-image,
  .refinance-loan-page .loan-structure-image,
  .commercial-property-loan-page .loan-structure-image,
  .private-loan-page .loan-structure-image {
    height: 300px;
    min-height: 0;
  }

  .business-loan-page .loan-structure-image img,
  .asset-finance-page .loan-structure-image img,
  .refinance-loan-page .loan-structure-image img,
  .commercial-property-loan-page .loan-structure-image img,
  .private-loan-page .loan-structure-image img {
    min-height: 0;
  }

  .loan-structure-image,
  .loan-structure-image img {
    min-height: 420px;
  }

  .loan-option-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .loan-cta {
    align-items: flex-start;
    flex-direction: column;
  }
}

@media (max-width: 600px) {
  .loan-page-hero {
    padding: 3rem 0;
  }

  .loan-page-hero h1 {
    font-size: clamp(2.7rem, 14vw, 4.2rem);
  }

  .loan-structure-image,
  .loan-structure-image img {
    min-height: 310px;
  }

  .personal-loan-page .loan-structure-image {
    height: 280px;
    min-height: 0;
  }

  .personal-loan-page .loan-structure-image img {
    min-height: 0;
  }

  .business-loan-page .loan-structure-image,
  .asset-finance-page .loan-structure-image,
  .refinance-loan-page .loan-structure-image,
  .commercial-property-loan-page .loan-structure-image,
  .private-loan-page .loan-structure-image {
    height: 250px;
    min-height: 0;
  }

  .business-loan-page .loan-structure-image img,
  .asset-finance-page .loan-structure-image img,
  .refinance-loan-page .loan-structure-image img,
  .commercial-property-loan-page .loan-structure-image img,
  .private-loan-page .loan-structure-image img {
    min-height: 0;
  }

  .loan-option-grid,
  .loan-steps {
    grid-template-columns: 1fr;
  }

  .loan-option-card {
    min-height: 0;
  }

  .loan-steps article {
    min-height: 0;
    padding: 1.35rem;
  }

  .loan-steps strong {
    width: 58px;
    height: 58px;
    font-size: 1.65rem;
  }

  .loan-cta .hero-actions {
    width: 100%;
  }

  .loan-cta .btn {
    width: 100%;
  }
}

/* Mobile lender layout: five banks in each of two columns. */
@media (max-width: 900px) {
  .lenders-logo-marquee {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    align-items: start;
    gap: 0.65rem;
  }

  .lenders-logo-track,
  .lenders-logo-track--forward,
  .lenders-logo-track--reverse {
    min-width: 0;
    width: 100%;
  }

  .lenders-logo-track + .lenders-logo-track {
    margin-top: 0;
  }

  .lenders-logo-group {
    width: 100%;
    display: grid;
    grid-template-columns: 1fr;
    gap: 0.65rem;
  }

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

  .lenders-logo-track--reverse .lender-logo-item:nth-child(1) { animation-delay: 0.08s; }
  .lenders-logo-track--reverse .lender-logo-item:nth-child(2) { animation-delay: 0.14s; }
  .lenders-logo-track--reverse .lender-logo-item:nth-child(3) { animation-delay: 0.20s; }
  .lenders-logo-track--reverse .lender-logo-item:nth-child(4) { animation-delay: 0.26s; }
  .lenders-logo-track--reverse .lender-logo-item:nth-child(5) { animation-delay: 0.32s; }
}

@media (min-width: 901px) {
  .benefits-showcase .carousel-track {
    width: 100%;
  }

  .benefits-showcase .slide {
    flex: 0 0 calc((100% - 2.5rem) / 3);
    width: calc((100% - 2.5rem) / 3);
  }
}

/* Mobile: compact help list and non-carousel lender grid. */
@media (max-width: 900px) {
  .benefits-showcase {
    padding-bottom: 0;
  }

  .benefits-showcase .carousel-viewer {
    width: 100%;
    overflow: visible;
  }

  .benefits-showcase .carousel-track {
    width: 100%;
    display: grid;
    grid-template-columns: 1fr;
    gap: 0.75rem;
    padding: 0;
    transform: none !important;
  }

  .benefits-showcase .slide {
    width: 100% !important;
    height: auto !important;
    min-height: 0 !important;
  }

  .benefits-showcase .what-you-get-card,
  .benefits-showcase .what-you-get-card:hover,
  .benefits-showcase .slide.active-slide .what-you-get-card {
    width: 100% !important;
    height: auto !important;
    min-height: 185px !important;
    display: grid;
    grid-template-columns: 44px 1fr;
    grid-template-rows: auto 1fr;
    column-gap: 0.9rem;
    row-gap: 0.35rem;
    align-items: start;
    padding: 1.1rem !important;
    border-radius: 18px !important;
    transform: none;
  }

  .benefits-showcase .card-icon,
  .benefits-showcase .what-you-get-card:hover .card-icon {
    grid-column: 1;
    grid-row: 1 / span 2;
    width: 44px;
    height: 44px;
    margin: 0;
  }

  .benefits-showcase .what-you-get-card h3 {
    grid-column: 2;
    grid-row: 1;
    margin: 0;
    font-size: 1.05rem;
  }

  .benefits-showcase .what-you-get-card p {
    grid-column: 2;
    grid-row: 2;
    margin: 0;
    font-size: 0.88rem;
    line-height: 1.45;
  }

  .benefits-scroll-button,
  .benefits-showcase .carousel-dots {
    display: none !important;
  }

  .lenders-logo-marquee {
    width: 100%;
    padding: 0;
    overflow: visible;
  }

  .lenders-logo-track,
  .lenders-logo-track--forward,
  .lenders-logo-track--reverse {
    width: 100%;
    display: block;
    margin: 0;
    animation: none !important;
    transform: none !important;
  }

  .lenders-logo-track + .lenders-logo-track {
    margin-top: 0.65rem;
  }

  .lenders-logo-group {
    width: 100%;
    min-height: 0;
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 0.65rem;
    padding: 0;
  }

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

  .lender-logo-item,
  .lender-logo-item:nth-child(n),
  .lenders-logo-track--reverse .lender-logo-item:nth-child(n) {
    width: 100%;
    height: 74px;
    padding: 0.65rem;
    border-radius: 15px;
    animation: mobile-lender-reveal 0.55s ease both;
    will-change: auto;
  }

  .lender-logo-item:nth-child(2) { animation-delay: 0.06s; }
  .lender-logo-item:nth-child(3) { animation-delay: 0.12s; }
  .lender-logo-item:nth-child(4) { animation-delay: 0.18s; }
  .lender-logo-item:nth-child(5) { animation-delay: 0.24s; }

  .lenders-logo-marquee:not(.visible) .lender-logo-item {
    animation-play-state: paused;
  }

  .lenders-logo-marquee.visible .lender-logo-item {
    animation-play-state: running;
  }

  .lender-logo-item img {
    max-width: 125px;
    max-height: 46px;
  }
}

@keyframes mobile-lender-reveal {
  from {
    opacity: 0;
    transform: translateY(10px) scale(0.98);
  }
  to {
    opacity: 1;
    transform: translateY(0) scale(1);
  }
}

@media (max-width: 900px) and (prefers-reduced-motion: reduce) {
  .lender-logo-item,
  .lender-logo-item:nth-child(n) {
    animation: none;
  }
}

/* Final mobile lender columns: first group left, second group right. */
@media (max-width: 900px) {
  .lenders-logo-marquee {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    align-items: start;
    gap: 0.65rem;
  }

  .lenders-logo-track,
  .lenders-logo-track--forward,
  .lenders-logo-track--reverse {
    min-width: 0;
    width: 100%;
  }

  .lenders-logo-track + .lenders-logo-track {
    margin-top: 0;
  }

  .lenders-logo-group {
    width: 100%;
    grid-template-columns: 1fr;
  }

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

  .lender-logo-item,
  .lender-logo-item:nth-child(n),
  .lenders-logo-track--reverse .lender-logo-item:nth-child(n) {
    animation: mobile-lender-float 3.8s ease-in-out infinite !important;
  }

  .lender-logo-item:nth-child(1) { animation-delay: -0.4s !important; }
  .lender-logo-item:nth-child(2) { animation-delay: -1.1s !important; }
  .lender-logo-item:nth-child(3) { animation-delay: -1.8s !important; }
  .lender-logo-item:nth-child(4) { animation-delay: -2.5s !important; }
  .lender-logo-item:nth-child(5) { animation-delay: -3.2s !important; }

  .lenders-logo-track--reverse .lender-logo-item:nth-child(1) { animation-delay: -2.1s !important; }
  .lenders-logo-track--reverse .lender-logo-item:nth-child(2) { animation-delay: -2.8s !important; }
  .lenders-logo-track--reverse .lender-logo-item:nth-child(3) { animation-delay: -3.5s !important; }
  .lenders-logo-track--reverse .lender-logo-item:nth-child(4) { animation-delay: -0.8s !important; }
  .lenders-logo-track--reverse .lender-logo-item:nth-child(5) { animation-delay: -1.5s !important; }
}

@keyframes mobile-lender-float {
  0%, 100% {
    transform: translateY(0) scale(1);
    box-shadow: 0 5px 14px rgba(29, 29, 31, 0.05);
  }
  50% {
    transform: translateY(-6px) scale(1.02);
    box-shadow: 0 14px 26px rgba(200, 58, 58, 0.13);
  }
}

@media (max-width: 900px) and (prefers-reduced-motion: reduce) {
  .lender-logo-item,
  .lender-logo-item:nth-child(n),
  .lenders-logo-track--reverse .lender-logo-item:nth-child(n) {
    animation: none !important;
  }
}
/* Dedicated About Us page */
.about-us-page main { overflow: hidden; }
.about-page-hero {
  min-height: 610px;
  display: grid;
  align-items: center;
  position: relative;
  background: linear-gradient(90deg, rgba(20, 12, 13, .78) 0%, rgba(20, 12, 13, .54) 43%, rgba(20, 12, 13, .05) 72%), url('/about-us-team-hero.png') center center/cover no-repeat;
}
.about-page-hero-inner { width: 100%; }
.about-page-hero-copy { max-width: 690px; color: #fff; padding: 92px 0; }
.about-page-hero-copy .eyebrow {
  color: #fff;
  background: #c9363d;
  box-shadow: 0 8px 24px rgba(0, 0, 0, .22);
}
.about-page-hero-copy h1 { margin: 12px 0 22px; max-width: 680px; color: #fff; font-size: clamp(2.6rem, 5vw, 4.7rem); line-height: 1.02; letter-spacing: -.055em; }
.about-page-hero-copy > p:not(.eyebrow) { max-width: 620px; margin-bottom: 30px; color: rgba(255,255,255,.88); font-size: 1.15rem; line-height: 1.75; }
.about-page-hero .btn-secondary { color: #fff; border-color: rgba(255,255,255,.62); background: rgba(255,255,255,.08); }
.about-story-section { background: #fff; }
.about-story-grid { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: clamp(42px, 7vw, 92px); align-items: center; }
.about-story-image img { width: 100%; height: 560px; object-fit: cover; object-position: center; border-radius: 34px; box-shadow: 0 28px 70px rgba(54, 25, 28, .16); }
.about-story-copy h2, .about-why-copy h2, .about-page-cta h2 { margin: 10px 0 22px; font-size: clamp(2.15rem, 4vw, 3.7rem); line-height: 1.08; letter-spacing: -.045em; }
.about-story-copy > p:not(.eyebrow), .about-why-copy > p:not(.eyebrow) { color: #6c5a5c; line-height: 1.8; font-size: 1.04rem; }
.about-principle { display: grid; gap: 7px; margin-top: 28px; padding: 22px 24px; border-left: 5px solid #d43d42; border-radius: 0 16px 16px 0; background: #fff5f4; }
.about-principle strong { font-size: 1.05rem; }
.about-principle span { color: #6c5a5c; line-height: 1.6; }
.about-values-section { background: #fff8f7; }
.about-values-section .section-heading { max-width: 780px; margin: 0 auto 46px; text-align: center; }
.about-values-section .section-heading h2 { margin: 10px 0 16px; font-size: clamp(2.1rem, 4vw, 3.35rem); line-height: 1.1; letter-spacing: -.04em; }
.about-values-section .section-heading > p:last-child { color: #6c5a5c; line-height: 1.7; }
.about-values-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 20px; }
.about-value-card { padding: 30px 25px; border: 1px solid #f0dedc; border-radius: 24px; background: #fff; box-shadow: 0 16px 45px rgba(73, 35, 38, .08); }
.about-value-card > span { display: block; margin-bottom: 22px; color: #d43d42; font-size: 2.7rem; font-weight: 800; line-height: 1; }
.about-value-card h3 { margin: 0 0 13px; font-size: 1.2rem; line-height: 1.28; }
.about-value-card p { margin: 0; color: #6c5a5c; line-height: 1.65; }
.about-why-section { background: #fff; }
.about-why-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: clamp(44px, 8vw, 100px); align-items: start; }
.about-why-list { display: grid; gap: 14px; margin: 0; padding: 0; list-style: none; }
.about-why-list li { position: relative; display: grid; gap: 5px; padding: 22px 24px 22px 62px; border: 1px solid #eee1df; border-radius: 18px; background: #fff; box-shadow: 0 10px 32px rgba(59, 28, 31, .06); }
.about-why-list li::before { content: '✓'; position: absolute; left: 22px; top: 22px; display: grid; place-items: center; width: 25px; height: 25px; border-radius: 50%; color: #fff; background: #d43d42; font-weight: 800; }
.about-why-list strong { font-size: 1.02rem; }
.about-why-list span { color: #6c5a5c; line-height: 1.55; }
.about-us-page .lenders-section, .about-us-page .feedback-section { background: #fff; }
.about-page-cta { padding: 86px 0; color: #fff; text-align: center; background: linear-gradient(135deg, #831b28, #c9363d); }
.about-page-cta .container { max-width: 810px; }
.about-page-cta .eyebrow { color: #f8c6c8; }
.about-page-cta h2 { color: #fff; }
.about-page-cta p:not(.eyebrow) { margin: 0 auto 28px; color: rgba(255,255,255,.88); font-size: 1.08rem; line-height: 1.7; }
.about-page-cta .btn-primary { color: #a22731; background: #fff; }

@media (max-width: 980px) {
  .about-values-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .about-story-grid, .about-why-grid { grid-template-columns: 1fr; }
  .about-story-image { max-width: 720px; }
  .about-story-image img { height: 480px; }
}
@media (max-width: 640px) {
  .about-page-hero { min-height: 570px; background-position: 58% center; }
  .about-page-hero::before { content: ''; position: absolute; inset: 0; background: rgba(22, 12, 14, .32); }
  .about-page-hero-inner { position: relative; z-index: 1; }
  .about-page-hero-copy { padding: 72px 0; }
  .about-page-hero-copy h1 { font-size: clamp(2.35rem, 11vw, 3.2rem); }
  .about-values-grid { grid-template-columns: 1fr; }
  .about-story-image img { height: auto; aspect-ratio: 4 / 4.6; }
  .about-value-card { padding: 26px 22px; }
  .about-page-cta { padding: 68px 0; }
}
/* Dedicated Contact Us page */
.contact-us-page main { overflow: hidden; }
.contact-page-hero { min-height: 590px; display: grid; align-items: center; position: relative; background: linear-gradient(90deg, rgba(20,12,13,.80) 0%, rgba(20,12,13,.57) 42%, rgba(20,12,13,.04) 72%), url('/contact-us-hero-v7.png') center/cover no-repeat; }
.contact-page-hero-inner { width: 100%; }
.contact-page-hero-copy { max-width: 670px; padding: 90px 0; color: #fff; }
.contact-page-hero-copy .eyebrow {
  color: #fff;
  background: #c9363d;
  box-shadow: 0 8px 24px rgba(0, 0, 0, .22);
}
.contact-page-hero-copy h1 { max-width: 650px; margin: 12px 0 22px; color: #fff; font-size: clamp(2.6rem,5vw,4.55rem); line-height: 1.02; letter-spacing: -.055em; }
.contact-page-hero-copy > p:not(.eyebrow) { max-width: 610px; margin-bottom: 30px; color: rgba(255,255,255,.89); font-size: 1.14rem; line-height: 1.75; }
.contact-page-main {
  background: #fff8f7;
  scroll-margin-top: 110px;
}
.contact-page-grid { display: grid; grid-template-columns: minmax(0,.82fr) minmax(0,1.18fr); gap: clamp(36px,6vw,80px); align-items: start; }
.contact-page-details h2, .contact-page-form-card h2 { margin: 10px 0 18px; font-size: clamp(2rem,3.5vw,3.2rem); line-height: 1.08; letter-spacing: -.04em; }
.contact-page-details > p:not(.eyebrow), .contact-page-form-card > p:not(.eyebrow) { color: #6c5a5c; line-height: 1.75; }
.contact-detail-list { display: grid; gap: 15px; margin-top: 30px; }
.contact-detail-card { display: grid; grid-template-columns: 50px 1fr; gap: 17px; align-items: start; padding: 21px; color: inherit; text-decoration: none; border: 1px solid #eedddb; border-radius: 19px; background: #fff; box-shadow: 0 10px 30px rgba(68,31,34,.06); transition: transform .2s ease, box-shadow .2s ease; }
a.contact-detail-card:hover { transform: translateY(-3px); box-shadow: 0 15px 38px rgba(68,31,34,.11); }
.contact-detail-card > span { display: grid; place-items: center; width: 48px; height: 48px; color: #fff; border-radius: 50%; background: #d43d42; font-size: 1.2rem; }
.contact-detail-card div { min-width: 0; display: grid; gap: 4px; }
.contact-detail-card small { color: #9b7779; font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: .09em; }
.contact-detail-card strong { overflow-wrap: anywhere; font-size: 1.03rem; }
.contact-detail-card p { margin: 0; color: #756365; font-size: .9rem; line-height: 1.5; }
.contact-page-form-card { padding: clamp(28px,4vw,48px); border: 1px solid #eedddb; border-radius: 28px; background: #fff; box-shadow: 0 22px 60px rgba(66,28,32,.11); }
.contact-page-form-card .contact-form { display: grid; gap: 17px; margin-top: 28px; }
.contact-page-form-card label { display: grid; gap: 8px; color: #4d3c3e; font-size: .9rem; font-weight: 700; }
.contact-form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.contact-page-form-card input, .contact-page-form-card select, .contact-page-form-card textarea { width: 100%; border: 1px solid #e8d8d6; border-radius: 13px; padding: 15px 16px; color: #2f2627; background: #fffafa; font: inherit; outline: none; }
.contact-page-form-card textarea { resize: vertical; }
.contact-page-form-card input:focus, .contact-page-form-card select:focus, .contact-page-form-card textarea:focus { border-color: #d43d42; box-shadow: 0 0 0 3px rgba(212,61,66,.11); }
.contact-page-form-card .btn { width: 100%; justify-content: center; border: 0; cursor: pointer; }
.contact-us-page .feedback-section { background: #fff; }
@media (max-width: 900px) { .contact-page-grid { grid-template-columns: 1fr; } .contact-page-details { max-width: 720px; } }
@media (max-width: 640px) { .contact-page-hero { min-height: 570px; background-position: 59% center; } .contact-page-hero::before { content:''; position:absolute; inset:0; background:rgba(20,12,13,.24); } .contact-page-hero-inner { position:relative; z-index:1; } .contact-page-hero-copy { padding: 70px 0; } .contact-page-hero-copy h1 { font-size: clamp(2.35rem,11vw,3.15rem); } .contact-form-row { grid-template-columns: 1fr; } .contact-page-form-card { padding: 25px 20px; border-radius: 22px; } }
@media (max-width: 700px) { .contact-page-main { scroll-margin-top: 88px; } }
/* Home page: join Our Services directly to How We Help. */
body:not([class]) #services.services-showcase-section {
  padding-bottom: 0;
}

body:not([class]) #services.services-showcase-section + .benefits-showcase-section {
  padding-top: 0;
}