:root {
  --review-surface: #f5f7f8;
  --review-avatar: #fff;
  --review-stars: #916611;
  --assistant-surface: #fff;
  --assistant-raised: #edf2f4;
  --assistant-header: #132c3f;
  --assistant-action: #132c3f;
  --assistant-action-hover: #245b7b;
  --assistant-action-ink: #fff;
  --assistant-accent: #b49863;

  --navy: #132c3f;
  --navy-deep: #0d2232;
  --ink: #1d3545;
  --muted: #526575;
  --blue: #245b7b;
  --brass: #b49863;
  --mist: #edf2f4;
  --line: #d6dfe4;
  --white: #fff;
  --body: 'Hanken Grotesk', system-ui, sans-serif;
  --display: 'Cormorant Garamond', Georgia, serif;
}
/* Dark theme (default). <html data-theme="dark"> is set in the markup; the toggle switches to light. */
:root[data-theme="dark"] {
  color-scheme: dark;
  --canvas: #101d27;
  --surface-raised: #1b303e;
  --action: #dfc590;
  --action-hover: #ecd7ad;
  --navy: #101d27;
  --navy-deep: #0b1720;
  --ink: #edf3f6;
  --muted: #b2c1cc;
  --blue: #a7c9df;
  --brass: #c6aa74;
  --mist: #142632;
  --line: #354957;
  --review-surface: var(--surface-raised);
  --review-avatar: var(--canvas);
  --review-stars: #dfc590;
  --assistant-surface: var(--mist);
  --assistant-raised: var(--surface-raised);
  --assistant-header: var(--navy-deep);
  --assistant-action: var(--action);
  --assistant-action-hover: var(--action-hover);
  --assistant-action-ink: var(--navy-deep);
  --assistant-accent: var(--navy-deep);
}
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 112px; }
body { margin: 0; background: var(--white); color: var(--ink); font: 16px/1.65 var(--body); -webkit-font-smoothing: antialiased; }
::selection { background: #d7e5ed; color: var(--navy); }
a { color: var(--blue); text-underline-offset: 4px; }
a, button, input, textarea { -webkit-tap-highlight-color: transparent; }
button, input, textarea { font: inherit; }
button, a { touch-action: manipulation; }
:focus-visible { outline: 3px solid #39799c; outline-offset: 5px; }
.site-header :focus-visible, .site-footer :focus-visible { outline-color: #e0c492; }
h1, h2, h3, p, figure { margin: 0; }
h1, h2, h3 { text-wrap: balance; }
h1, h2 { font-family: var(--display); font-weight: 500; }
h2 { font-size: clamp(2.6rem, 4.4vw, 3.65rem); line-height: 1.06; letter-spacing: -.025em; }
h3 { font-size: 1.18rem; font-weight: 600; line-height: 1.35; }
p { text-wrap: pretty; }
img { max-width: 100%; display: block; }
svg { width: 20px; height: 20px; stroke-width: 1.6; flex-shrink: 0; }
.container { width: min(1184px, calc(100% - 96px)); margin-inline: auto; }
.section { padding-block: 100px; }
.section-label { color: var(--blue); font-size: .88rem; font-weight: 600; margin-bottom: 20px; }
.section-heading { display: grid; grid-template-columns: 1.2fr 1fr; gap: 80px; align-items: end; margin-bottom: 52px; }
.section-heading > p { max-width: 39ch; color: var(--muted); font-size: 1.06rem; }
.skip-link { position: fixed; top: 10px; left: 16px; z-index: 100; transform: translateY(-150%); padding: 12px 20px; background: var(--white); color: var(--navy); border-radius: 4px; }
.skip-link:focus { transform: none; }
.site-header { position: sticky; top: 0; z-index: 50; background: var(--navy); border-bottom: 1px solid #ffffff18; }
.nav-bar { min-height: 88px; display: flex; align-items: center; justify-content: space-between; gap: 28px; }
.brand { display: inline-block; flex-shrink: 0; }
.brand img { width: 205px; height: auto; }
.primary-menu { display: flex; align-items: center; gap: 30px; }
.primary-menu > a { color: #d8e2e8; text-decoration: none; font-size: .88rem; }
.primary-menu > a:hover { color: var(--white); }
.button { display: inline-flex; align-items: center; justify-content: center; gap: 16px; padding: 16px 23px; border: 1px solid transparent; border-radius: 5px; font-size: .94rem; font-weight: 600; line-height: 1.35; text-decoration: none; cursor: pointer; transition: background .18s, border-color .18s; min-height: 52px; }
.button-primary { color: var(--white); background: var(--navy); }
.button-primary:hover { background: var(--blue); }
.button-header { color: var(--white); border-color: #ffffff48; }
.primary-menu > .button-header { border-color: #ffffff48; padding: 12px 17px; color: var(--white); min-height: 46px; }
.button-header:hover { background: #ffffff10; border-color: #ffffffa0; }
.menu-toggle { display: none; }
.theme-toggle { display: grid; place-items: center; width: 44px; height: 44px; padding: 0; flex-shrink: 0; background: transparent; border: 1px solid #ffffff48; border-radius: 50%; color: #d8e2e8; cursor: pointer; transition: background .18s, border-color .18s, color .18s; }
.theme-toggle:hover { color: var(--white); background: #ffffff10; border-color: #ffffffa0; }
.theme-toggle svg { width: 18px; height: 18px; }
[data-theme="dark"] .theme-toggle .lucide-moon, [data-theme="dark"] .theme-toggle [data-lucide="moon"], [data-theme="light"] .theme-toggle .lucide-sun, [data-theme="light"] .theme-toggle [data-lucide="sun"] { display: none; }
.header-actions { display: flex; align-items: center; gap: 12px; }
.theme-changing, .theme-changing *, .theme-changing *::before, .theme-changing *::after { transition: none !important; }
.hero { background: var(--mist); }
.hero-grid { display: grid; grid-template-columns: 1.15fr 1fr; gap: 76px; align-items: center; padding-block: 60px; }
.location { display: flex; align-items: center; gap: 12px; color: var(--blue); font-size: .85rem; font-weight: 500; margin-bottom: 28px; }
.small-rule { width: 28px; height: 2px; background: var(--brass); flex-shrink: 0; }
h1 { font-size: clamp(3.75rem, 6.6vw, 5.6rem); line-height: .99; letter-spacing: -.035em; }
.hero-lead { font-size: 1.16rem; line-height: 1.5; margin-top: 24px; font-weight: 500; }
.hero-description { color: var(--muted); max-width: 43ch; margin-top: 16px; font-size: 1rem; }
.hero-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 22px; margin-top: 30px; }
.text-link { display: inline-flex; align-items: center; gap: 10px; color: var(--navy); font-size: .92rem; font-weight: 600; text-decoration: none; padding-block: 10px; }
.text-link:hover, .service-link:hover { text-decoration: underline; }
.hero-note { display: flex; align-items: center; gap: 8px; margin-top: 20px; font-size: .77rem; color: var(--muted); }
.hero-note svg { width: 16px; height: 16px; }
.hero-portrait { position: relative; align-self: stretch; min-height: 510px; max-height: 565px; overflow: hidden; border-radius: 5px 5px 44px 5px; background: #40545c; }
.hero-portrait > img { width: 100%; height: 100%; object-fit: cover; object-position: center 28%; }
.hero-portrait::after { content: ''; position: absolute; inset: 55% 0 0; background: linear-gradient(transparent, #0d2232e8); pointer-events: none; }
.hero-portrait figcaption { position: absolute; z-index: 1; bottom: 28px; inset-inline: 28px; display: flex; justify-content: space-between; align-items: center; color: var(--white); }
.hero-portrait figcaption strong { display: block; font-size: 1.3rem; font-weight: 500; }
.hero-portrait figcaption span span { display: block; color: #e1e6e8; font-size: .82rem; margin-top: 3px; }
.portrait-mark { width: 48px; height: 48px; display: grid; place-items: center; border: 1px solid #d6bd8c8a; border-radius: 50%; color: #ead4ab; }
.credentials { display: grid; grid-template-columns: repeat(4, 1fr); border-top: 1px solid #ccd7dd; padding-block: 30px 34px; }
.credentials > div { border-right: 1px solid #ccd7dd; padding-left: 32px; }
.credentials > div:first-child { padding-left: 0; }
.credentials > div:last-child { border: 0; }
.credentials strong { display: block; font-size: 1.72rem; line-height: 1.25; font-weight: 500; letter-spacing: -.03em; }
.credentials strong span { font-size: 1rem; letter-spacing: 0; }
.credentials > div > span { color: var(--muted); font-size: .8rem; }
.lenders { border-bottom: 1px solid var(--line); padding-block: 32px; }
.lender-content { display: flex; align-items: center; gap: 48px; }
.lender-content > p { flex-shrink: 0; font-size: .82rem; color: var(--muted); line-height: 1.55; }
.lender-content strong { color: var(--ink); font-weight: 500; }
.lender-list { display: flex; flex: 1; flex-wrap: wrap; justify-content: space-between; align-items: center; list-style: none; gap: 18px 30px; padding: 0; margin: 0; color: #526575; }
.lender-list li { font-size: 1.15rem; font-weight: 600; letter-spacing: -.03em; }
.services-grid { display: grid; grid-template-columns: repeat(2, 1fr); column-gap: 64px; }
.service { display: flex; gap: 22px; border-top: 1px solid var(--line); padding-block: 32px; }
.service-icon { width: 48px; height: 48px; border-radius: 8px; background: var(--mist); display: grid; place-items: center; color: var(--blue); flex-shrink: 0; }
.service-icon svg { width: 23px; height: 23px; }
.service p { font-size: .94rem; color: var(--muted); margin-top: 12px; max-width: 44ch; }
.service-link { display: inline-flex; align-items: center; gap: 8px; color: var(--blue); font-size: .84rem; font-weight: 600; text-decoration: none; margin-top: 16px; padding-block: 6px; }
.service-link svg { width: 16px; height: 16px; }
.process-section { background: #f5f7f8; }
.process-list { display: grid; grid-template-columns: repeat(3, 1fr); gap: 48px; margin: 0 0 28px; padding: 0; list-style: none; }
.process-list li { border-top: 1px solid #b8c7d0; padding-top: 24px; }
.step-number { display: block; font-family: var(--display); color: #7e6538; font-size: 2.5rem; line-height: 1; margin-bottom: 30px; }
.process-list p { margin-top: 14px; color: var(--muted); font-size: .94rem; max-width: 35ch; }
.results-panel { background: var(--navy); padding: 56px; border-radius: 8px; color: var(--white); }
.results-intro { display: grid; grid-template-columns: 1.2fr 1fr; align-items: end; gap: 64px; }
.results-panel .section-label { color: #dbc395; }
.results-intro > p { color: #c2d0d9; max-width: 34ch; }
.results-panel h2 { font-size: clamp(2.5rem, 4vw, 3.4rem); }
.results-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; margin-top: 44px; }
.results-grid article { border-top: 1px solid #ffffff30; padding-top: 26px; }
.result-number { font-family: var(--display); font-size: clamp(3rem, 4.6vw, 4.4rem); color: #e7d1a9; line-height: 1.1; margin-bottom: 16px; letter-spacing: -.025em; }
.result-number span { font-family: var(--body); font-size: 1.16rem; letter-spacing: 0; }
.results-grid h3 { font-size: .95rem; }
.results-grid article > p:last-child { margin-top: 8px; color: #c2d0d9; font-size: .86rem; max-width: 29ch; }
.results-note { margin-top: 32px; font-size: .74rem; color: #b9c8d2; }
.about-section { padding-top: 0; }
.about-grid { display: grid; grid-template-columns: 1.25fr 1fr; gap: 100px; align-items: center; }
.about-copy > p:not(.section-label) { color: var(--muted); max-width: 51ch; margin-top: 22px; }
.advisor-signoff { display: flex; flex-direction: column; margin-top: 30px; }
.advisor-name { font: 500 2rem/1.3 var(--display); }
.advisor-signoff > span:last-child { color: var(--muted); font-size: .8rem; }
.advisor-details { background: var(--mist); padding: 36px 40px; border-radius: 6px; border-top: 3px solid var(--brass); }
.advisor-icon { width: 62px; height: 62px; object-fit: contain; background: var(--navy); border-radius: 6px; padding: 9px; margin-bottom: 24px; }
.advisor-details h3 { font: 500 2rem/1.1 var(--display); }
.advisor-details ul { list-style: none; padding: 0; margin: 28px 0 0; }
.advisor-details li { display: flex; gap: 16px; align-items: center; padding-block: 18px; border-top: 1px solid #ccd7dd; font-size: .82rem; color: var(--muted); line-height: 1.6; }
.advisor-details li:last-child { padding-bottom: 0; }
.advisor-details li svg { color: var(--blue); }
.advisor-details strong { font-weight: 500; color: var(--navy); font-size: .93rem; }
.contact-section { background: var(--mist); }
.contact-grid { display: grid; grid-template-columns: 1fr 1.05fr; gap: 88px; align-items: start; }
.contact-copy { padding-top: 26px; }
.contact-copy > p:not(.section-label, .contact-note) { color: var(--muted); max-width: 37ch; margin-top: 24px; font-size: 1.06rem; }
.contact-methods { display: flex; flex-direction: column; gap: 22px; margin-top: 36px; }
.contact-methods > a { display: flex; align-items: center; gap: 16px; color: var(--navy); text-decoration: none; width: fit-content; }
.contact-methods > a:hover strong { text-decoration: underline; }
.contact-icon { display: grid; place-items: center; width: 46px; height: 46px; border: 1px solid #bacbd5; border-radius: 50%; flex-shrink: 0; }
.contact-methods a > span > span { display: block; font-size: .78rem; color: var(--muted); }
.contact-methods strong { font-size: 1rem; font-weight: 500; overflow-wrap: anywhere; }
.contact-note { display: flex; gap: 8px; align-items: center; margin-top: 36px; font-size: .77rem; color: var(--muted); }
.contact-note svg { width: 16px; height: 16px; }
.consultation-form { padding: 36px; border: 1px solid var(--line); border-radius: 8px; background: var(--white); box-shadow: 0 12px 32px #132c3f06; }
.consultation-form h3 { font-size: 1.25rem; }
.form-intro { color: var(--muted); font-size: .88rem; margin-block: 7px 24px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.consultation-form label { display: block; font-size: .8rem; font-weight: 600; margin-bottom: 17px; }
.required-label { font-weight: 400; color: var(--muted); font-size: .72rem; }
.consultation-form input:not([type="checkbox"]), .consultation-form textarea { display: block; width: 100%; min-width: 0; min-height: 48px; border: 1px solid #9cacb7; border-radius: 4px; background: #fcfdfd; color: var(--navy); padding: 11px 12px; font-size: .9rem; font-weight: 400; margin-top: 7px; }
.consultation-form textarea { resize: vertical; }
.consultation-form input::placeholder, .consultation-form textarea::placeholder { color: #637584; opacity: 1; }
.consultation-form input:focus, .consultation-form textarea:focus { border-color: var(--blue); outline: 2px solid var(--blue); outline-offset: 2px; }
.consultation-form .consent-label { display: flex; align-items: start; gap: 10px; font-size: .74rem; font-weight: 400; line-height: 1.6; color: var(--muted); margin-block: 4px 22px; }
.consent-label input { width: 18px; height: 18px; margin: 2px 0 0; flex-shrink: 0; accent-color: var(--navy); }
.form-submit { width: 100%; }
.form-submit:disabled { cursor: wait; background: #435c6d; }
.form-submit.sent:disabled { background: #e5f1e9; color: #245439; cursor: default; }
.form-status { margin-top: 12px; font-size: .82rem; }
.form-status:empty { display: none; }
.form-status.is-success { color: #245439; }
.form-status.is-error { color: #a82f24; }
.form-footnote { text-align: center; font-size: .73rem; color: var(--muted); margin-top: 14px; }
.site-footer { background: var(--navy-deep); color: #ced9e1; padding-block: 52px 24px; }
.footer-main { display: grid; grid-template-columns: 1.3fr .8fr 1fr; gap: 48px; padding-bottom: 40px; }
.footer-brand p { color: #b6c6d1; font-size: .88rem; margin-top: 18px; }
.footer-links, .footer-contact { display: flex; flex-direction: column; align-items: start; gap: 12px; font-size: .87rem; }
.site-footer a { color: #d5dfe7; text-decoration: none; }
.site-footer a:hover { color: var(--white); text-decoration: underline; }
.footer-contact { overflow-wrap: anywhere; }
.footer-contact > span { color: #b6c6d1; font-size: .77rem; margin-top: 6px; }
.footer-bottom { border-top: 1px solid #ffffff25; padding-top: 22px; display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; color: #b6c6d1; font-size: .71rem; }
/* The policy uses the same typography, navigation, and contrast system. */
.policy-page { background: #f5f7f8; }
.policy-header { padding-block: 64px 34px; }
.policy-container { width: min(760px, calc(100% - 48px)); margin-inline: auto; }
.policy-header h1 { font-size: clamp(3rem, 6vw, 4rem); }
.policy-meta { color: var(--muted); font-size: .82rem; margin-bottom: 18px; }
.policy-lead { color: var(--muted); margin-top: 24px; font-size: 1.08rem; }
.policy-body { padding-bottom: 80px; }
.policy-body h2 { font: 600 1.4rem/1.3 var(--body); margin-block: 38px 14px; }
.policy-body p, .policy-body li { color: var(--muted); font-size: .98rem; line-height: 1.8; }
.policy-body strong { color: var(--ink); }
.policy-body p + p { margin-top: 14px; }
.policy-body li + li { margin-top: 9px; }
.policy-body ul { padding-left: 22px; }
.policy-callout { border-left: 3px solid var(--brass); background: #e7edf0; padding: 22px 24px; margin-block: 20px; }
@media (min-width: 1500px) { .hero-grid { padding-block: 76px; } }
@media (max-width: 1100px) {
  .container { width: calc(100% - 64px); }
  .primary-menu { gap: 18px; }
  .brand img { width: 180px; }
  .primary-menu > a { font-size: .8rem; }
  .hero-grid { gap: 40px; }
  .hero-portrait { min-height: 500px; }
  .hero-actions { gap: 12px; }
  .section-heading, .about-grid, .contact-grid { gap: 48px; }
  .lender-content { gap: 32px; }
  .lender-list { justify-content: start; }
  .services-grid { column-gap: 36px; }
  .credentials > div { padding-left: 20px; }
  .process-list { gap: 30px; }
}
@media (max-width: 760px) {
  html { scroll-padding-top: 92px; }
  .container { width: calc(100% - 48px); }
  .section { padding-block: 64px; }
  .nav-bar { min-height: 76px; flex-wrap: wrap; gap: 0; }
  .theme-toggle { margin-left: auto; margin-right: 10px; }
  .header-actions { gap: 10px; }
  .header-actions .theme-toggle { margin: 0; }
  .header-actions .button-header { min-height: 44px; padding: 10px 16px; }
  .back-label-rest { position: absolute; width: 1px; height: 1px; overflow: hidden; clip-path: inset(50%); white-space: nowrap; }
  .has-menu .theme-toggle { order: 1; }
  .has-menu .menu-toggle { order: 2; }
  .has-menu .primary-menu { order: 3; }
  .brand img { width: 175px; }
  .primary-menu { width: 100%; flex-wrap: wrap; gap: 6px 24px; padding-block: 14px 22px; border-top: 1px solid #ffffff25; }
  .primary-menu > a { padding-block: 12px; font-size: .92rem; }
  .primary-menu > .button-header { width: 100%; margin-top: 8px; }
  .has-menu .menu-toggle { display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 5px; width: 44px; height: 44px; background: transparent; border: 1px solid #ffffff50; border-radius: 4px; color: var(--white); }
  .menu-toggle span { width: 18px; height: 1px; background: currentColor; }
  .has-menu .primary-menu { display: none; }
  .has-menu .menu-toggle[aria-expanded="true"] + .primary-menu { display: flex; }
  .hero-grid { grid-template-columns: 1fr; padding-block: 40px 36px; gap: 36px; }
  .location { font-size: .78rem; margin-bottom: 24px; }
  h1 { font-size: clamp(3.65rem, 11vw, 5rem); }
  .hero-lead { font-size: 1.12rem; }
  .hero-description { max-width: 46ch; }
  .hero-actions { gap: 12px 22px; }
  .hero-portrait { min-height: 0; height: 480px; max-width: 520px; width: 100%; justify-self: center; }
  .hero-portrait > img { object-position: center 30%; }
  .credentials { grid-template-columns: 1fr 1fr; row-gap: 26px; padding-block: 28px; }
  .credentials > div { padding-left: 20px; }
  .credentials > div:nth-child(odd) { border: 0; padding-left: 0; }
  .credentials > div:nth-child(even) { border-right: 0; border-left: 1px solid #ccd7dd; }
  .credentials strong { font-size: 1.55rem; }
  .credentials strong span { font-size: .9rem; }
  .credentials > div > span { font-size: .75rem; }
  .lender-content { display: block; }
  .lender-content > p br { display: none; }
  .lender-list { margin-top: 20px; gap: 16px 28px; }
  .lender-list li { font-size: 1.08rem; }
  .section-heading, .results-intro { grid-template-columns: 1fr; gap: 20px; margin-bottom: 34px; }
  .section-heading > p { max-width: 46ch; font-size: 1rem; }
  .section-label { margin-bottom: 14px; }
  .services-grid { grid-template-columns: 1fr; }
  .service { padding-block: 26px; gap: 18px; }
  .service h3 { font-size: 1.08rem; }
  .process-list { grid-template-columns: 1fr; gap: 28px; }
  .process-list li { position: relative; padding: 26px 0 0 66px; }
  .step-number { position: absolute; top: 24px; left: 0; font-size: 2.15rem; }
  .process-list p { max-width: 46ch; margin-top: 10px; }
  .results-panel { padding: 36px 28px; }
  .results-grid { grid-template-columns: 1fr; gap: 24px; margin-top: 28px; }
  .result-number { font-size: 3.6rem; margin-bottom: 10px; }
  .results-grid article > p:last-child { max-width: 38ch; }
  .results-note { margin-top: 26px; }
  .about-section { padding-top: 0; }
  .about-grid, .contact-grid { grid-template-columns: 1fr; gap: 36px; }
  .advisor-details { padding: 28px; }
  .advisor-details h3 br { display: none; }
  .contact-copy { padding-top: 0; }
  .consultation-form { padding: 28px; }
  .consultation-form input:not([type="checkbox"]), .consultation-form textarea { font-size: 1rem; }
  .footer-main { grid-template-columns: 1fr 1fr; gap: 32px; }
  .footer-brand { grid-column: 1 / -1; }
  .footer-contact { font-size: .82rem; }
}
@media (max-width: 400px) {
  .container { width: calc(100% - 40px); }
  h1 { font-size: 3.4rem; }
  .hero-portrait { height: 390px; }
  .hero-actions { align-items: start; flex-direction: column; }
  .form-row { grid-template-columns: 1fr; gap: 0; }
  .consultation-form { padding: 22px; }
  .footer-main { grid-template-columns: 1fr; }
  .footer-brand { grid-column: auto; }
  .hero-portrait figcaption { inset-inline: 20px; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; animation: none !important; }
}

/* Reviews are driven by approved content in reviews.json. */
[hidden] { display: none !important; }
.visually-hidden { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip-path: inset(50%); white-space: nowrap; border: 0; }
.testimonials-heading { margin-bottom: 36px; }
.testimonials-intro > p { max-width: 39ch; color: var(--muted); font-size: 1.06rem; }
.testimonials-intro .text-link { margin-top: 12px; }
.reviews-preview-note { color: var(--muted); border-left: 3px solid var(--brass); padding: 10px 16px; margin-bottom: 24px; font-size: .8rem; }
.testimonials-track { display: flex; gap: 24px; overflow-x: auto; scroll-snap-type: x mandatory; scrollbar-width: thin; scrollbar-color: var(--brass) transparent; padding: 5px 5px 18px; scroll-padding-inline: 5px; overscroll-behavior-x: contain; }
.testimonial-card { display: flex; flex-direction: column; flex: 0 0 calc((100% - 48px) / 3); min-width: 0; padding: 28px; border: 1px solid var(--line); border-radius: 8px; background: var(--review-surface); scroll-snap-align: start; scroll-snap-stop: always; }
.review-card-meta { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 10px; margin-bottom: 24px; }
.review-source { color: var(--muted); font-size: .77rem; }
.testimonial-rating { color: var(--review-stars); font-size: .92rem; letter-spacing: .12em; }
.testimonial-card blockquote { margin: 0 0 30px; }
.review-quote { color: var(--ink); font: 500 1.6rem/1.35 var(--display); overflow-wrap: anywhere; }
.review-author { display: flex; gap: 12px; align-items: center; margin-top: auto; padding-top: 20px; border-top: 1px solid var(--line); }
.review-avatar { display: grid; place-items: center; width: 40px; height: 40px; border: 1px solid var(--line); border-radius: 50%; color: var(--blue); background: var(--review-avatar); font-size: .78rem; font-weight: 600; flex-shrink: 0; }
.review-name { color: var(--ink); font-size: .84rem; font-weight: 600; overflow-wrap: anywhere; }
.review-original { display: inline-block; font-size: .74rem; margin-top: 4px; }
.testimonials-toolbar { display: flex; align-items: center; justify-content: space-between; gap: 24px; margin-top: 16px; }
.reviews-position { color: var(--muted); font-size: .8rem; }
.reviews-buttons { display: flex; gap: 10px; }
.review-arrow { display: grid; place-items: center; width: 46px; height: 46px; padding: 0; background: var(--review-surface); color: var(--ink); border: 1px solid var(--line); border-radius: 50%; cursor: pointer; }
.review-arrow:hover:enabled { border-color: var(--blue); }
.review-arrow:disabled { opacity: .38; cursor: default; }
@media (min-width: 761px) and (max-width: 1100px) { .testimonial-card { flex-basis: calc((100% - 24px) / 2); } }
@media (max-width: 760px) {
  .testimonial-card { flex-basis: 100%; padding: 26px; }
  .testimonials-heading { margin-bottom: 26px; }
  .testimonials-intro > p { font-size: 1rem; }
  .review-quote { font-size: 1.65rem; }
}

/* Site assistant: a custom panel on the ElevenLabs client SDK. Colours come from the theme tokens above. */
.assistant { position: fixed; right: 20px; bottom: 20px; z-index: 60; display: flex; flex-direction: column; align-items: end; gap: 14px; font-family: var(--body); pointer-events: none; }
.assistant > * { pointer-events: auto; }
.assistant-launcher { display: inline-flex; align-items: center; gap: 10px; min-height: 52px; padding: 0 22px 0 18px; border: 1px solid var(--brass); border-radius: 999px; background: var(--assistant-action); color: var(--assistant-action-ink); font-size: .9rem; font-weight: 600; cursor: pointer; box-shadow: 0 14px 34px #0d223238; transition: background .18s, transform .18s; }
.assistant-launcher:hover { background: var(--assistant-action-hover); }
.assistant-launcher-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--assistant-accent); box-shadow: 0 0 0 3px #b4986333; }
.assistant-launcher.is-live .assistant-launcher-dot { background: #4fb27d; box-shadow: 0 0 0 3px #4fb27d40; animation: assistant-pulse 1.8s ease-in-out infinite; }
.assistant.is-open .assistant-launcher { transform: translateY(2px); }
.assistant-panel { display: flex; flex-direction: column; width: 384px; max-height: min(640px, calc(100vh - 112px)); overflow: hidden; border: 1px solid var(--line); border-radius: 8px 8px 28px 8px; background: var(--assistant-surface); color: var(--ink); box-shadow: 0 28px 60px #0d22323d; }
.assistant-panel[hidden] { display: none; }
.assistant-header { display: flex; align-items: center; gap: 12px; padding: 16px 14px 16px 18px; background: var(--assistant-header); color: var(--white); border-bottom: 2px solid var(--brass); }
.assistant-mark { width: 40px; height: 40px; padding: 6px; border: 1px solid #ffffff2e; border-radius: 6px; object-fit: contain; flex-shrink: 0; }
.assistant-heading { flex: 1; min-width: 0; }
.assistant-heading h2 { font: 500 1.4rem/1.1 var(--display); letter-spacing: -.01em; }
.assistant-status { margin-top: 3px; color: #c2d0d9; font-size: .74rem; }
.assistant[data-phase="active"] .assistant-status::before { content: ''; display: inline-block; width: 6px; height: 6px; margin-right: 7px; border-radius: 50%; background: #4fb27d; vertical-align: 1px; }
.assistant-header :focus-visible { outline-color: #e0c492; outline-offset: 2px; }
.assistant-icon-button { display: grid; place-items: center; width: 40px; height: 40px; padding: 0; border: 1px solid transparent; border-radius: 50%; background: transparent; color: inherit; cursor: pointer; }
.assistant-icon-button:hover { border-color: currentColor; }
.assistant-icon-button svg { width: 18px; height: 18px; }
.assistant-end { min-height: 34px; padding: 0 14px; border: 1px solid #ffffff55; border-radius: 999px; background: transparent; color: var(--white); font-size: .78rem; font-weight: 600; cursor: pointer; }
.assistant-end:hover { background: #ffffff14; border-color: #ffffffa0; }
.assistant-body { display: flex; flex-direction: column; flex: 1; min-height: 0; }
.assistant-start { padding: 22px 22px 6px; }
.assistant-lead { color: var(--muted); font-size: .9rem; line-height: 1.6; }
.assistant-language { margin: 20px 0 0; padding: 0; border: 0; min-width: 0; }
.assistant-language legend { padding: 0; margin-bottom: 8px; color: var(--muted); font-size: .72rem; font-weight: 600; }
.assistant-language-options { display: flex; gap: 4px; padding: 4px; border: 1px solid var(--line); border-radius: 999px; background: var(--assistant-raised); }
.assistant-language label { flex: 1; position: relative; }
.assistant-language input { position: absolute; inset: 0; opacity: 0; margin: 0; cursor: pointer; }
.assistant-language span { display: block; padding: 8px 12px; border-radius: 999px; text-align: center; font-size: .84rem; font-weight: 600; color: var(--muted); transition: background .18s, color .18s; }
.assistant-language input:checked + span { background: var(--assistant-surface); color: var(--ink); box-shadow: 0 1px 3px #0d22321f; }
.assistant-language input:focus-visible + span { outline: 3px solid var(--blue); outline-offset: 2px; }
.assistant-actions { display: grid; gap: 10px; margin-top: 20px; }
.assistant-actions .button { width: 100%; min-height: 50px; gap: 12px; }
.assistant-actions svg { width: 18px; height: 18px; }
.assistant-secondary { color: var(--ink); background: transparent; border-color: var(--line); }
.assistant-secondary:hover { border-color: var(--blue); }
.assistant-notice { margin-top: 14px; padding: 10px 14px; border-left: 3px solid var(--brass); background: var(--assistant-raised); color: var(--ink); font-size: .8rem; }
.assistant-notice[hidden] { display: none; }
.assistant-conversation { display: flex; flex-direction: column; flex: 1; min-height: 0; }
.assistant-conversation[hidden] { display: none; }
.assistant-voice { display: flex; align-items: center; justify-content: center; gap: 20px; position: relative; padding: 26px 22px 20px; border-bottom: 1px solid var(--line); background: var(--assistant-raised); }
.assistant-voice[hidden] { display: none; }
.assistant-orb { --level: 0; width: 72px; height: 72px; border-radius: 50%; background: radial-gradient(circle at 35% 30%, #e7d1a9, var(--brass) 55%, #7e6538); box-shadow: 0 0 0 calc(6px + var(--level) * 18px) #b4986326, 0 0 0 calc(14px + var(--level) * 30px) #b4986312; transform: scale(calc(1 + var(--level) * .12)); transition: box-shadow .08s linear, transform .08s linear; }
.assistant[data-speaker="user"] .assistant-orb { background: radial-gradient(circle at 35% 30%, #8fb8d1, var(--blue) 60%, var(--assistant-header)); box-shadow: 0 0 0 calc(6px + var(--level) * 18px) #245b7b24, 0 0 0 calc(14px + var(--level) * 30px) #245b7b10; }
.assistant[data-phase="connecting"] .assistant-orb { animation: assistant-pulse 1.4s ease-in-out infinite; }
.assistant-mute { position: absolute; right: 16px; bottom: 16px; border-color: var(--line); color: var(--ink); background: var(--assistant-surface); }
.assistant-mute [data-lucide="mic-off"], .assistant-mute .lucide-mic-off, .assistant-mute[aria-pressed="true"] .lucide-mic { display: none; }
.assistant-mute[aria-pressed="true"] .lucide-mic-off { display: block; }
.assistant-mute[aria-pressed="true"] { background: var(--assistant-action); color: var(--assistant-action-ink); border-color: transparent; }
.assistant-log { flex: 1; min-height: 120px; padding: 18px 18px 8px; overflow-y: auto; overscroll-behavior: contain; display: flex; flex-direction: column; gap: 10px; }
.assistant-log:focus-visible { outline-offset: -3px; }
.assistant-message { display: flex; }
.assistant-message p { max-width: 86%; padding: 10px 14px; border-radius: 14px 14px 14px 4px; background: var(--assistant-raised); color: var(--ink); font-size: .88rem; line-height: 1.55; overflow-wrap: anywhere; white-space: pre-wrap; }
.assistant-message.is-user { justify-content: end; }
.assistant-message.is-user p { border-radius: 14px 14px 4px 14px; background: var(--assistant-action); color: var(--assistant-action-ink); }
.assistant-message p[dir="rtl"], .assistant-message p:lang(fa) { font-size: .92rem; }
.assistant-typing { display: flex; gap: 4px; padding: 0 18px 10px; }
.assistant-typing[hidden] { display: none; }
.assistant-typing span[aria-hidden] { width: 6px; height: 6px; border-radius: 50%; background: var(--muted); animation: assistant-typing 1.1s ease-in-out infinite; }
.assistant-typing span:nth-child(2) { animation-delay: .15s; }
.assistant-typing span:nth-child(3) { animation-delay: .3s; }
.assistant-ended { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 6px 16px; padding: 12px 18px; border-top: 1px solid var(--line); color: var(--muted); font-size: .82rem; }
.assistant-ended[hidden] { display: none; }
.assistant-ended .text-link { font-size: .84rem; padding-block: 6px; background: none; border: 0; cursor: pointer; }
.assistant-ended .text-link svg { width: 16px; height: 16px; }
.assistant-composer { display: flex; gap: 8px; padding: 12px 14px; border-top: 1px solid var(--line); }
.assistant-composer[hidden] { display: none; }
.assistant-composer input { flex: 1; min-width: 0; min-height: 44px; padding: 10px 14px; border: 1px solid var(--line); border-radius: 999px; background: var(--assistant-raised); color: var(--ink); font-size: .9rem; }
.assistant-composer input::placeholder { color: var(--muted); opacity: 1; }
.assistant-composer input:focus { border-color: var(--blue); outline: 2px solid var(--blue); outline-offset: 1px; }
.assistant-composer input:disabled { cursor: not-allowed; }
.assistant-send { display: grid; place-items: center; width: 44px; height: 44px; padding: 0; border: 0; border-radius: 50%; background: var(--assistant-action); color: var(--assistant-action-ink); cursor: pointer; flex-shrink: 0; }
.assistant-send:hover:enabled { background: var(--assistant-action-hover); }
.assistant-send:disabled { opacity: .45; cursor: not-allowed; }
.assistant-send svg { width: 18px; height: 18px; }
.assistant-disclosure { padding: 10px 18px 14px; border-top: 1px solid var(--line); color: var(--muted); font-size: .68rem; line-height: 1.55; }
@keyframes assistant-pulse { 50% { opacity: .55; } }
@keyframes assistant-typing { 0%, 60%, 100% { transform: none; opacity: .45; } 30% { transform: translateY(-3px); opacity: 1; } }
@media (max-width: 760px) {
  .assistant { right: 12px; bottom: 12px; left: 12px; }
  .assistant-launcher { padding-inline: 16px 18px; }
  .assistant.is-open:not([data-phase="idle"]) { top: 12px; }
  .assistant-panel { width: 100%; flex: 1; max-height: none; border-radius: 8px 8px 22px 8px; }
}

/* Dark theme rule overrides: only declarations that differ from the light theme above. */
[data-theme="dark"] body { background: var(--canvas); }
[data-theme="dark"] ::selection { background: var(--action); color: var(--navy-deep); }
[data-theme="dark"] :focus-visible { outline-color: var(--action); }
[data-theme="dark"] .site-header :focus-visible, [data-theme="dark"] .site-footer :focus-visible { outline-color: #e0c492; }
[data-theme="dark"] .button-primary { color: var(--navy-deep); background: var(--action); }
[data-theme="dark"] .button-primary:hover { background: var(--action-hover); }
[data-theme="dark"] .text-link, [data-theme="dark"] .contact-methods > a, [data-theme="dark"] .advisor-details strong { color: var(--ink); }
[data-theme="dark"] .credentials { border-top-color: var(--line); }
[data-theme="dark"] .credentials > div { border-right-color: var(--line); }
[data-theme="dark"] .advisor-details li, [data-theme="dark"] .process-list li { border-top-color: var(--line); }
[data-theme="dark"] .contact-icon { border-color: var(--line); }
@media (max-width: 760px) { [data-theme="dark"] .credentials > div:nth-child(even) { border-left-color: var(--line); } }
[data-theme="dark"] .lender-list { color: var(--muted); }
[data-theme="dark"] .process-section { background: var(--mist); }
[data-theme="dark"] .step-number { color: var(--brass); }
[data-theme="dark"] .results-panel, [data-theme="dark"] .advisor-details, [data-theme="dark"] .policy-callout { background: var(--surface-raised); }
[data-theme="dark"] .consultation-form { background: var(--surface-raised); box-shadow: 0 12px 32px #00000014; }
[data-theme="dark"] .consultation-form input:not([type="checkbox"]), [data-theme="dark"] .consultation-form textarea { border-color: #718795; background: var(--canvas); color: var(--ink); }
[data-theme="dark"] .consultation-form input:focus, [data-theme="dark"] .consultation-form textarea:focus { border-color: var(--blue); }
[data-theme="dark"] .consultation-form input::placeholder, [data-theme="dark"] .consultation-form textarea::placeholder { color: #a6b7c3; }
[data-theme="dark"] .consent-label input { accent-color: var(--action); }
[data-theme="dark"] .form-submit:disabled { background: #bca776; color: var(--navy-deep); }
[data-theme="dark"] .form-submit.sent:disabled { background: #233f33; color: #c1e5cc; }
[data-theme="dark"] .form-status.is-success { color: #c1e5cc; }
[data-theme="dark"] .form-status.is-error { color: #ffb8ac; }
[data-theme="dark"] .policy-page { background: var(--canvas); }