:root{
  --bg:#f6f8fc;
  --surface:#ffffff;
  --surface-2:#f1f5fb;
  --text:#17263f;
  --muted:#5d6d84;
  --primary:#102c57;
  --primary-2:#1b467e;
  --accent:#cfa94d;
  --accent-strong:#b38a2c;
  --success:#1f7a53;
  --line:#dbe5f1;
  --shadow:0 16px 42px rgba(16,44,87,.10);
  --radius:26px;
  --container:1240px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:17px/1.65 Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;background:radial-gradient(circle at top left,rgba(16,44,87,.06),transparent 28%),linear-gradient(180deg,#fbfcfe 0%,var(--bg) 100%);color:var(--text);overflow-x:hidden}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.container{width:min(calc(100% - 40px),var(--container));margin:0 auto}
.skip-link{position:absolute;left:-9999px}.skip-link:focus{left:16px;top:16px;padding:10px 14px;background:#fff;border-radius:12px;z-index:1000}
.topbar{background:#0d2244;color:#e7eefb;font-size:14px}.topbar-inner{display:flex;justify-content:space-between;align-items:center;gap:18px;padding:10px 0}.topbar a{color:#fff}
.site-header{position:sticky;top:0;z-index:40;backdrop-filter:blur(14px);background:rgba(255,255,255,.88);border-bottom:1px solid rgba(219,229,241,.95)}
.nav-shell{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:14px 0;position:relative}
.brand{display:flex;align-items:center;gap:14px;min-width:0}.brand-logo{width:58px;height:58px;border-radius:18px;box-shadow:0 10px 24px rgba(16,44,87,.18)}
.brand-text{display:flex;flex-direction:column;min-width:0}.brand-text strong{font-size:24px;line-height:1;color:var(--primary);letter-spacing:-.04em}.brand-text small{font-size:12px;text-transform:uppercase;letter-spacing:.12em;color:var(--muted);margin-top:6px}
.nav{display:flex;align-items:center;gap:26px;font-weight:700;color:#294362}.nav a:not(.btn){position:relative}.nav a:not(.btn)::after{content:"";position:absolute;left:0;right:0;bottom:-8px;height:2px;background:var(--accent);transform:scaleX(0);transform-origin:left;transition:.22s ease}.nav a:not(.btn):hover::after{transform:scaleX(1)}
.nav-toggle{display:none;border:1px solid var(--line);background:#fff;border-radius:14px;padding:10px 14px;font:inherit;font-weight:800;color:var(--primary)}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:54px;padding:0 22px;border-radius:999px;border:1px solid transparent;font-weight:800;letter-spacing:-.01em;transition:.2s ease;cursor:pointer}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:linear-gradient(135deg,var(--primary) 0%,var(--primary-2) 70%);color:#fff;box-shadow:0 16px 30px rgba(16,44,87,.18)}
.btn-primary:hover{box-shadow:0 20px 36px rgba(16,44,87,.22)}
.btn-secondary{background:#fff;border-color:var(--line);color:var(--primary)}
.btn-light{background:#fff;color:var(--primary)}
.btn-outline-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.38)}
.btn-block{width:100%}
h1,h2,h3{margin:0 0 14px;line-height:1.05;letter-spacing:-.05em;color:var(--primary)}
h1{font-size:clamp(44px,5vw,76px);max-width:11ch}
h2{font-size:clamp(31px,3vw,48px)}
h3{font-size:24px}
p{margin:0 0 16px}
.lead{font-size:20px;color:#52647d;max-width:62ch}
.eyebrow,.mini-label{display:inline-flex;align-items:center;gap:10px;padding:10px 14px;border-radius:999px;font-size:12px;font-weight:900;letter-spacing:.08em;text-transform:uppercase}
.eyebrow{background:#eef4ff;border:1px solid #d9e4f2;color:var(--primary-2);margin-bottom:18px}
.eyebrow.light{background:rgba(255,255,255,.10);border:1px solid rgba(255,255,255,.18);color:#eef4ff}
.mini-label{background:#fff4d7;border:1px solid #ecd89b;color:#7a5a08}
.hero{position:relative;padding:60px 0 28px;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at left top,rgba(16,44,87,.08),transparent 22%),radial-gradient(circle at right 20%,rgba(207,169,77,.08),transparent 20%)}
.hero-grid{display:grid;grid-template-columns:1.02fr .82fr .74fr;gap:26px;align-items:stretch;position:relative;z-index:1}
.hero-copy{padding-top:20px}.hero-copy h1{margin-bottom:18px}.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.metric-row{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:28px}
.metric-row div,.trust-card,.summary-list div{padding:18px 18px;border-radius:20px;background:rgba(255,255,255,.84);border:1px solid rgba(219,229,241,.95);box-shadow:0 8px 24px rgba(16,44,87,.06)}
.metric-row strong,.trust-card strong,.summary-list strong{display:block;color:var(--primary)}
.metric-row span,.trust-card span,.summary-list span{display:block;color:var(--muted);font-size:14px;margin-top:5px}
.card,.soft-card,.form-panel,.info-card,.legal-card,.calc-box,.result-box{background:rgba(255,255,255,.92);border:1px solid rgba(219,229,241,.95);box-shadow:var(--shadow);border-radius:var(--radius)}
.media-card{padding:0;overflow:hidden;position:relative;min-height:640px;background:#dfe8f3}
.media-card::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(16,44,87,.05),rgba(16,44,87,.18))}
.media-card img{width:100%;height:100%;object-fit:cover}
.floating-note{position:absolute;z-index:2;max-width:250px;background:rgba(255,255,255,.96);border:1px solid rgba(219,229,241,.95);box-shadow:var(--shadow);border-radius:22px;padding:15px 17px}
.floating-note strong{display:block;font-size:15px;color:var(--primary)}.floating-note span{display:block;margin-top:4px;font-size:13px;color:var(--muted);line-height:1.45}
.note-top{right:20px;top:20px}.note-bottom{left:20px;bottom:20px}
.hero-form{padding:28px;background:linear-gradient(180deg,#fff 0%,#f8fbff 100%)}
.hero-form h2{font-size:30px;line-height:1.08;margin:14px 0 8px}
.hero-form p{color:var(--muted)}
.section{padding:72px 0}.section-tight{padding-top:24px}.alt{background:linear-gradient(180deg,#f8fbff 0%,#eef4fb 100%)}
.dark{background:linear-gradient(135deg,#0d2244 0%,#173766 56%,#1e446f 100%);color:#fff;position:relative;overflow:hidden}.dark::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at top left,rgba(255,255,255,.08),transparent 32%),radial-gradient(circle at bottom right,rgba(207,169,77,.18),transparent 24%)}.dark .container{position:relative;z-index:1}.dark h2,.dark h3{color:#fff}.light-text{color:#dbe6f7}
.section-head{display:flex;align-items:end;justify-content:space-between;gap:20px;margin-bottom:22px}.section-text{max-width:560px;color:var(--muted);font-size:18px}
.trust-grid,.card-grid{display:grid;gap:18px}.trust-grid{grid-template-columns:repeat(4,1fr)}.card-grid.three{grid-template-columns:repeat(3,1fr)}
.service-card{overflow:hidden}.service-card img{width:100%;aspect-ratio:4/3;object-fit:cover}.card-content{padding:24px}.text-link{display:inline-flex;align-items:center;gap:8px;color:var(--primary-2);font-weight:800}.text-link::after{content:"→"}
.split{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start}.split-center{align-items:center}
.timeline{display:grid;gap:16px;margin-top:24px}.timeline-item{position:relative;padding:18px 18px 18px 24px;border-radius:20px;background:#fff;border:1px solid var(--line);box-shadow:0 8px 22px rgba(16,44,87,.06)}.timeline-item::before{content:"";position:absolute;left:0;top:18px;bottom:18px;width:4px;border-radius:8px;background:linear-gradient(180deg,var(--accent) 0%,var(--primary-2) 100%)}.timeline-item strong{display:block;margin-bottom:6px}.timeline-item span{display:block;color:var(--muted)}
.stack{display:grid;gap:16px}.stat-card{display:grid;grid-template-columns:72px 1fr;gap:16px;padding:22px}.stat-no{width:72px;height:72px;border-radius:22px;display:grid;place-items:center;background:linear-gradient(135deg,#fff6de 0%,#edf3ff 100%);font-size:26px;font-weight:900;color:var(--primary);border:1px solid var(--line)}
.mosaic{display:grid;grid-template-columns:1fr 1fr;gap:16px}.mosaic img{width:100%;height:100%;object-fit:cover;border-radius:24px;border:1px solid rgba(255,255,255,.18);box-shadow:var(--shadow)}.mosaic img:first-child{grid-column:1/-1;aspect-ratio:16/10}.mosaic img:not(:first-child){aspect-ratio:1/1}
.cta-band{display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center;padding:30px;border-radius:32px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow)}.cta-actions{display:flex;flex-wrap:wrap;gap:12px;justify-content:flex-end}
.page-hero{padding:56px 0 18px}.hero-simple{display:grid;grid-template-columns:1fr .82fr;gap:28px;align-items:center}.hero-panel{padding:28px}.breadcrumbs{font-size:14px;color:var(--muted);margin-bottom:12px}.breadcrumbs a{color:var(--primary-2)}.inline-image{overflow:hidden;border-radius:32px;border:1px solid var(--line);box-shadow:var(--shadow)}.inline-image img{width:100%;height:100%;object-fit:cover}
.info-card,.soft-card,.legal-card,.form-panel,.calc-box,.result-box{padding:28px}
.list-check{margin:18px 0 0;padding:0;list-style:none}.list-check li{position:relative;padding-left:28px;margin:12px 0}.list-check li::before{content:"";position:absolute;left:0;top:10px;width:12px;height:12px;border-radius:999px;background:linear-gradient(135deg,var(--accent),var(--primary-2))}
.field{display:flex;flex-direction:column;gap:8px}.field label{font-size:14px;font-weight:800;color:var(--primary)}
input,select,textarea{width:100%;min-height:56px;padding:0 16px;border:1px solid var(--line);border-radius:16px;background:#fff;font:inherit;color:var(--text);outline:none}
textarea{padding:14px 16px;min-height:124px;resize:vertical}
input:focus,select:focus,textarea:focus{border-color:#90a9d1;box-shadow:0 0 0 4px rgba(16,44,87,.08)}
.grid-2,.grid-3{display:grid;gap:14px}.grid-2{grid-template-columns:1fr 1fr}.grid-3{grid-template-columns:repeat(3,1fr)}
.check{display:flex;gap:10px;align-items:flex-start;font-size:14px;color:var(--muted);margin:6px 0 10px}.check input{width:18px;min-height:18px;margin-top:2px}.form-note{font-size:14px;color:var(--muted)}
.faq-wrap{display:grid;gap:14px}.faq-item{background:#fff;border:1px solid var(--line);border-radius:20px;padding:2px 20px;box-shadow:0 8px 22px rgba(16,44,87,.06)}.faq-item summary{cursor:pointer;font-weight:800;color:var(--primary);padding:18px 0}.faq-item p{padding-bottom:18px;color:var(--muted)}
.article-list{display:grid;gap:16px}.article-list a{display:grid;gap:6px;padding:22px;border-radius:22px;background:#fff;border:1px solid var(--line);box-shadow:0 8px 22px rgba(16,44,87,.06)}.article-list strong{font-size:20px;color:var(--primary)}.article-list span{color:var(--muted)}
.calc-grid{display:grid;grid-template-columns:1.18fr .82fr;gap:20px}.result-box{display:flex;flex-direction:column;justify-content:center}.result-big{font-size:56px;font-weight:900;letter-spacing:-.04em;color:var(--primary);line-height:1;margin:8px 0 16px}.table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:20px;overflow:hidden;box-shadow:0 8px 22px rgba(16,44,87,.06)}.table th,.table td{padding:16px 18px;text-align:left;border-bottom:1px solid var(--line)}.table th{background:#f3f8fd;color:var(--primary)}.summary-list{display:grid;gap:14px;margin-top:22px}
.footer{padding:34px 0 24px;border-top:1px solid var(--line);background:#fff;margin-top:50px}.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:24px}.footer-grid h3{font-size:18px;margin-bottom:10px}.footer p,.footer small{color:var(--muted)}.footer-bottom{display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;padding-top:18px;margin-top:18px;border-top:1px solid var(--line)}.brand-footer{margin-bottom:14px}.error-band h1{max-width:none}
@media (max-width:1180px){.hero-grid{grid-template-columns:1fr 1fr}.hero-form{grid-column:1 / -1}.trust-grid,.card-grid.three,.footer-grid,.hero-simple,.split,.calc-grid{grid-template-columns:1fr 1fr}.cta-band{grid-template-columns:1fr}.cta-actions{justify-content:flex-start}}
@media (max-width:960px){.nav-toggle{display:block}.nav{display:none;position:absolute;left:16px;right:16px;top:90px;padding:18px;border-radius:20px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);flex-direction:column;align-items:flex-start;gap:16px}.nav.open{display:flex}.hero-grid,.trust-grid,.card-grid.three,.hero-simple,.split,.footer-grid,.calc-grid,.grid-2,.grid-3,.metric-row,.mosaic,.reassurance-grid{grid-template-columns:1fr}.media-card{min-height:420px}h1{max-width:none}.section-head{display:block}.topbar-inner{flex-direction:column;align-items:flex-start}}
@media (max-width:640px){body{font-size:16px}.container{width:min(calc(100% - 20px),var(--container))}.nav-shell{padding:14px 0}.brand-logo{width:46px;height:46px;border-radius:14px}.brand-text strong{font-size:20px}h1{font-size:42px}.lead{font-size:18px}.card,.hero-panel,.soft-card,.info-card,.legal-card,.form-panel,.calc-box,.result-box,.hero-form{padding:22px}.result-big{font-size:40px}.cta-band{padding:24px}}

.soft-intro{margin:-2px 0 18px;color:var(--muted)}
.reassurance-section{padding-top:14px}
.reassurance-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:18px}
.reassurance-card{padding:30px}
.reassurance-card p:last-child{margin-bottom:0}
.reassurance-card.warm{background:linear-gradient(180deg,#fffdf7 0%,#fff8e8 100%)}


/* v8 responsive refinements */
.reassurance-card,.stat-card,.timeline-item,.service-card,.info-card,.trust-card,.metric-row div{min-width:0}
.reassurance-card ul{margin-bottom:0}
.reassurance-card.warm .eyebrow{background:#f4f7ff}
.reassurance-card.warm .list-check li{margin:14px 0}
.brand-text strong,.brand-text small,.section-text,.lead,h1,h2,h3,p,.list-check li{overflow-wrap:anywhere;word-break:normal}

@media (max-width:960px){
  .reassurance-grid{grid-template-columns:1fr !important}
  .reassurance-card{padding:24px}
  .split{gap:18px}
  .stat-card{grid-template-columns:64px 1fr;padding:20px}
  .stat-no{width:64px;height:64px;font-size:24px}
  .topbar-inner{gap:8px}
}

@media (max-width:640px){
  .topbar{display:none}
  .site-header{position:sticky;top:0}
  .nav-shell{gap:12px;align-items:center}
  .brand{gap:10px;align-items:center;max-width:calc(100% - 116px)}
  .brand-logo{flex:0 0 42px;width:42px;height:42px;border-radius:12px}
  .brand-text strong{font-size:17px;line-height:1.05;letter-spacing:-.03em}
  .brand-text small{font-size:10px;letter-spacing:.16em;margin-top:4px}
  .nav-toggle{padding:10px 16px;border-radius:18px;font-size:16px;min-height:52px}
  .nav{top:78px;left:10px;right:10px;padding:16px}
  .hero{padding:34px 0 18px}
  .hero-copy{padding-top:0}
  h1{font-size:38px;line-height:1.02;letter-spacing:-.05em}
  h2{font-size:34px;line-height:1.08}
  h3{font-size:22px;line-height:1.15}
  .lead{font-size:17px;line-height:1.6}
  .section{padding:52px 0}
  .section-tight{padding-top:14px}
  .section-head{margin-bottom:18px}
  .section-text{font-size:16px;line-height:1.65}
  .card,.hero-panel,.soft-card,.info-card,.legal-card,.form-panel,.calc-box,.result-box,.hero-form,.reassurance-card{padding:20px}
  .media-card{min-height:340px;border-radius:24px}
  .floating-note{left:14px;right:14px;max-width:none;padding:13px 14px;border-radius:18px}
  .note-top{top:14px;right:14px}
  .note-bottom{bottom:14px;left:14px}
  .metric-row{gap:10px}
  .metric-row div,.trust-card,.summary-list div{padding:16px}
  .cta-row{gap:10px}
  .btn{width:100%}
  .cta-row .btn,.cta-actions .btn{width:100%}
  .cta-band{padding:20px;border-radius:24px}
  .cta-actions{width:100%}
  .eyebrow,.mini-label{font-size:11px;padding:9px 12px;line-height:1.2}
  .service-card img{aspect-ratio:16/11}
  .timeline-item{padding:16px 16px 16px 20px;border-radius:18px}
  .stat-card{grid-template-columns:1fr;gap:12px;padding:18px}
  .stat-no{width:58px;height:58px;border-radius:18px;font-size:22px}
  .reassurance-grid{gap:14px}
  .reassurance-card p{font-size:16px;line-height:1.7}
  .reassurance-card.warm .list-check li{padding-left:24px;font-size:16px;line-height:1.65}
  .footer-grid{gap:22px}
}


/* v9 calm reading refinements */
body{line-height:1.72}
p{max-width:68ch}
.section{padding:84px 0}
.section-tight{padding-top:28px;padding-bottom:24px}
.hero{padding:78px 0 54px}
.hero-grid{align-items:start;gap:34px}
.hero-copy{padding-top:18px}
.lead{font-size:21px;line-height:1.82;max-width:66ch}
.metric-row{margin-top:30px;gap:14px}
.metric-row div{padding:20px 18px}
.card-content{padding:28px}
.section-head{margin-bottom:30px}
.section-text{font-size:19px;line-height:1.8;max-width:62ch}
.timeline{gap:18px;margin-top:30px}
.timeline-item{padding:22px 22px 22px 28px}
.stat-card{padding:24px}
.reassurance-section{padding-top:24px}
.reassurance-grid{grid-template-columns:minmax(0,1.2fr) minmax(0,.8fr);gap:24px;align-items:start}
.reassurance-card{padding:36px}
.reassurance-card h2{max-width:12ch}
.reassurance-card p{font-size:18px;line-height:1.86;color:var(--text)}
.reassurance-card.warm{position:sticky;top:112px}
.reassurance-card .list-check li{font-size:17px;line-height:1.72}
.soft-card p,.info-card p,.form-panel p,.contact-summary p,.faq-item p{line-height:1.82}
.faq-wrap{gap:18px}
.faq-item{padding:4px 24px}
.cta-band{padding:36px}
.hero-form h2{font-size:34px}
.hero-form p,.form-note{line-height:1.74}
@media (max-width:960px){
  .section{padding:68px 0}
  .hero{padding:44px 0 24px}
  .lead{font-size:18px;line-height:1.72}
  .section-text{font-size:17px;line-height:1.7}
  .reassurance-card.warm{position:static}
}
@media (max-width:640px){
  body{line-height:1.68}
  .section{padding:60px 0}
  .hero{padding:32px 0 18px}
  .lead{font-size:17px;line-height:1.68}
  .metric-row{margin-top:22px}
  .metric-row div{padding:16px}
  .card-content{padding:22px}
  .reassurance-card h2{max-width:none}
  .reassurance-card p{font-size:17px;line-height:1.74}
}

.check a{color:inherit;text-decoration:underline;text-underline-offset:2px;}
.legal-card ul{padding-left:1.2rem;margin:.75rem 0 1rem;}
.legal-card li{margin:.45rem 0;color:var(--text-700);}


/* Cookie consent */
.cookie-banner{position:fixed;left:20px;right:20px;bottom:20px;z-index:120;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);border:1px solid rgba(219,229,241,.9);box-shadow:0 12px 30px rgba(16,44,87,.10);border-radius:22px}
.cookie-banner__inner{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:16px;align-items:center;padding:16px 18px}
.cookie-banner__copy strong{display:block;color:var(--primary);font-size:16px;letter-spacing:-.02em}
.cookie-banner__copy p{margin:4px 0 0;max-width:76ch;color:#5f6d83;font-size:14px;line-height:1.65}
.cookie-banner__actions{display:flex;gap:10px;flex-wrap:wrap;justify-content:flex-end}
.cookie-banner .btn{min-height:46px;padding:0 18px}
.cookie-btn{width:auto}
.cookie-btn.btn-primary{box-shadow:none}
.cookie-btn.btn-secondary{background:#fff}
.cookie-banner__close{display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:14px;border:1px solid var(--line);background:#fff;color:var(--primary);font-size:22px;line-height:1;cursor:pointer}
.cookie-modal{position:fixed;inset:0;z-index:130;display:none;place-items:center;padding:18px}
.cookie-modal__backdrop{position:absolute;inset:0;background:rgba(10,18,33,.22)}
.cookie-modal__dialog{position:relative;z-index:1;width:min(620px,100%);padding:24px;border-radius:26px;box-shadow:0 18px 50px rgba(16,44,87,.18);background:rgba(255,255,255,.98)}
.cookie-modal__header{display:flex;justify-content:space-between;gap:12px;align-items:center;margin-bottom:10px}
.cookie-modal__header h2{margin:0;font-size:24px;letter-spacing:-.04em}
.cookie-close{border:1px solid var(--line);background:#fff;border-radius:14px;width:42px;height:42px;font-size:24px;line-height:1;color:var(--primary);cursor:pointer}
.cookie-option{display:flex;justify-content:space-between;gap:16px;align-items:center;padding:16px 0;border-top:1px solid var(--line)}
.cookie-option p{margin:6px 0 0;color:var(--muted);font-size:15px;line-height:1.65}
.cookie-pill{display:inline-flex;align-items:center;justify-content:center;padding:8px 12px;border-radius:999px;background:#edf3fb;color:var(--primary);font-weight:700;font-size:12px}
.toggle{position:relative;display:inline-flex;align-items:center}
.toggle input{position:absolute;opacity:0;pointer-events:none}
.toggle-ui{position:relative;display:inline-block;width:54px;height:32px;background:#d7e1ef;border-radius:999px;transition:.2s ease}
.toggle-ui:after{content:'';position:absolute;top:3px;left:3px;width:26px;height:26px;background:#fff;border-radius:50%;box-shadow:0 3px 8px rgba(16,44,87,.14);transition:.2s ease}
.toggle input:checked + .toggle-ui{background:var(--primary)}
.toggle input:checked + .toggle-ui:after{left:25px}
.cookie-modal__actions{display:flex;justify-content:flex-end;gap:10px;padding-top:18px}
.footer-settings-link{appearance:none;border:0;background:none;padding:0;margin-top:6px;color:var(--muted);text-decoration:underline;cursor:pointer;font:inherit}
.cookie-modal-open{overflow:hidden}
@media (max-width:820px){.cookie-banner{left:12px;right:12px;bottom:12px}.cookie-banner__inner{grid-template-columns:1fr;padding:14px}.cookie-banner__actions{justify-content:stretch}.cookie-banner__actions .btn{width:100%}.cookie-banner__top{display:flex;align-items:flex-start;justify-content:space-between;gap:12px}.cookie-modal{padding:12px}.cookie-modal__dialog{padding:20px;border-radius:22px}.cookie-modal__actions{flex-direction:column}.cookie-modal__actions .btn{width:100%}}

[hidden]{display:none !important;}


.hero-contact-card{display:flex;flex-direction:column;justify-content:space-between;gap:18px}
.hero-contact-actions{display:grid;gap:12px;margin-top:4px}
.compact-list{margin-top:4px}
.compact-list li{margin:10px 0}
.contact-section{padding-top:34px}
.contact-layout{align-items:start;gap:28px}
.form-panel-elevated{background:linear-gradient(180deg,#ffffff 0%,#f9fbff 100%)}
.lead-form{display:grid;gap:16px}
.lead-form-refined{margin-top:18px}
.field label{font-size:14px;font-weight:800;color:var(--primary);letter-spacing:-.01em}
input,select,textarea{width:100%;min-height:56px;padding:0 16px;border:1px solid var(--line);border-radius:18px;background:#fbfcff;font:inherit;color:var(--text);outline:none;transition:border-color .18s ease, box-shadow .18s ease, background-color .18s ease}
select{appearance:none;-webkit-appearance:none;-moz-appearance:none;padding-right:48px;background-image:linear-gradient(45deg,transparent 50%, var(--primary) 50%),linear-gradient(135deg, var(--primary) 50%, transparent 50%);background-position:calc(100% - 22px) calc(50% - 3px),calc(100% - 16px) calc(50% - 3px);background-size:6px 6px,6px 6px;background-repeat:no-repeat}
textarea{padding:16px;min-height:144px;resize:vertical}
input::placeholder,textarea::placeholder{color:#7f8ca1}
input:hover,select:hover,textarea:hover{background:#fff}
input:focus,select:focus,textarea:focus{border-color:#8ea7cf;box-shadow:0 0 0 4px rgba(16,44,87,.08);background:#fff}
.check{display:grid;grid-template-columns:20px 1fr;gap:12px;align-items:start;font-size:14px;color:var(--muted);margin:2px 0 2px;line-height:1.55}
.check input{width:20px;height:20px;min-height:20px;margin:2px 0 0;accent-color:var(--primary)}
.check span{display:block;min-width:0}
.check-compact{padding:2px 0 0}
.check a{color:var(--primary);font-weight:700;text-decoration:underline;text-underline-offset:2px}
.form-note{font-size:14px;color:var(--muted);line-height:1.7;margin:0}
.contact-summary .list-check{margin-top:18px}
.contact-summary .summary-list{margin-bottom:18px}
@media (max-width:960px){
  .contact-layout{grid-template-columns:1fr;gap:18px}
}
@media (max-width:640px){
  .hero-contact-actions{gap:10px}
  .contact-section{padding-top:18px}
  .check{grid-template-columns:18px 1fr;gap:10px}
}


/* v16 design refinement */

.hero-refined{padding:64px 0 36px}
.hero-grid-refined{grid-template-columns:minmax(0,1.14fr) minmax(360px,.86fr);gap:30px;align-items:start}
.hero-copy-refined{padding-top:14px}
.lead-subtle{font-size:18px;line-height:1.78;color:#67768d;margin-top:-2px;max-width:60ch}
.cta-row-refined{margin-top:24px}
.hero-side-stack{display:grid;gap:18px;align-self:start}
.media-card-refined{min-height:500px}
.hero-info-band{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:18px;align-items:end;padding:24px 26px;background:linear-gradient(180deg,#ffffff 0%,#f9fbff 100%)}
.hero-info-band h2{font-size:28px;line-height:1.1;margin:10px 0 8px}
.hero-info-band p{margin:0;max-width:52ch;color:var(--muted)}
.hero-info-actions{display:grid;gap:10px;justify-items:end;align-content:end}
.hero-info-actions .text-link{font-size:14px}
.metric-row-refined{gap:14px}
.metric-row-refined div{min-height:100%;padding:20px 18px}
.section-head{align-items:start}
.service-card,.trust-card,.timeline-item,.stat-card,.hero-info-band,.contact-summary-refined,.form-panel-refined{box-shadow:0 12px 30px rgba(16,44,87,.07)}
.contact-section-refined{padding-top:22px}
.contact-layout-refined{grid-template-columns:minmax(320px,.82fr) minmax(0,1.18fr);gap:26px;align-items:start}
.contact-summary-refined{position:sticky;top:112px}
.summary-list-refined{display:grid;gap:12px}
.contact-note-box{padding:18px 18px 16px;border-radius:20px;background:linear-gradient(180deg,#f8fbff 0%,#f2f6fd 100%);border:1px solid var(--line);margin:18px 0 6px}
.contact-note-box strong{display:block;color:var(--primary);margin-bottom:6px}
.contact-note-box p{margin:0;color:var(--muted);line-height:1.72}
.form-panel-refined{padding:32px;background:linear-gradient(180deg,#ffffff 0%,#f8fbff 100%)}
.form-panel-refined h2{font-size:34px;margin-bottom:8px}
.soft-intro{color:var(--muted);max-width:60ch}
.lead-form-refined{gap:18px}
.form-panel-refined .grid-2{gap:16px}
.field{gap:9px}
.field label{font-size:13px;letter-spacing:.01em;text-transform:uppercase}
input,select,textarea{min-height:58px;border-radius:18px;background:#fff;border-color:#d7e0ed;box-shadow:inset 0 1px 0 rgba(255,255,255,.7)}
input[type="date"],input[type="time"],select{padding-right:46px}
select{background-color:#fff;background-position:calc(100% - 22px) calc(50% - 3px),calc(100% - 16px) calc(50% - 3px)}
textarea{min-height:154px}
.check-boxed{grid-template-columns:24px 1fr;padding:14px 16px;border-radius:18px;background:#f8fbff;border:1px solid var(--line);margin-top:2px}
.check-boxed input{width:18px;height:18px;margin-top:3px}
.check-boxed span{line-height:1.6;color:#4c5f7a}
.form-panel-refined .btn-primary{margin-top:2px}
.form-note{max-width:60ch}
.cookie-banner{left:24px;right:24px;bottom:18px;border-radius:20px}
.cookie-banner__inner{padding:14px 16px}
.cookie-banner__copy p{font-size:13px;line-height:1.55}
.cookie-banner .btn{min-height:44px}
@media (max-width:1180px){
  .hero-grid-refined{grid-template-columns:1fr;gap:22px}
  .media-card-refined{min-height:420px}
  .hero-info-band{grid-template-columns:1fr;align-items:start}
  .hero-info-actions{justify-items:start}
  .contact-layout-refined{grid-template-columns:1fr}
  .contact-summary-refined{position:static}
}
@media (max-width:960px){
  .hero-refined{padding:40px 0 20px}
  .hero-copy-refined{padding-top:0}
  .hero-info-band{padding:22px}
  .contact-layout-refined{gap:18px}
}
@media (max-width:640px){
  .hero-refined{padding:30px 0 14px}
  .hero-grid-refined{gap:18px}
  .lead-subtle{font-size:16px;line-height:1.68}
  .media-card-refined{min-height:300px}
  .hero-info-band{padding:20px;border-radius:22px}
  .hero-info-band h2{font-size:24px}
  .contact-section-refined{padding-top:10px}
  .form-panel-refined{padding:22px}
  .form-panel-refined h2{font-size:28px}
  .field label{font-size:12px}
  .check-boxed{grid-template-columns:22px 1fr;padding:12px 14px}
}


/* v17 benchmark polish */
.hero-benchmark .lead{max-width:63ch}
.hero-actions-benchmark{margin-top:22px}
.hero-list{list-style:none;padding:0;margin:24px 0 0;display:grid;gap:12px;max-width:62ch}
.hero-list li{position:relative;padding-left:28px;color:var(--text);line-height:1.7}
.hero-list li:before{content:"";position:absolute;left:0;top:.72em;width:10px;height:10px;border-radius:50%;background:linear-gradient(135deg,var(--accent),var(--primary))}
.benchmark-side-stack{gap:18px}
.benchmark-mini-points{display:grid;gap:12px}
.benchmark-mini-points div{padding:14px 16px;border:1px solid var(--line);border-radius:18px;background:#fff}
.benchmark-mini-points strong{display:block;color:var(--primary);margin-bottom:4px}
.trust-strip-section{padding-top:18px}
.trust-grid-benchmark{grid-template-columns:repeat(4,minmax(0,1fr))}
.section-head-narrow{max-width:980px}
.promise-grid{align-items:stretch}
.promise-card{padding:28px}
.promise-card .mini-label{margin-bottom:14px}
.split-balanced{grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr)}
.timeline-soft .timeline-item{background:#fff}
.stack-tight{gap:16px}
.reassurance-grid-benchmark{align-items:start}
.tool-split{align-items:center}
.highlight-card{padding:30px;background:linear-gradient(180deg,#ffffff 0%,#f8fbff 100%)}
.highlight-card h3{max-width:16ch}
.mosaic-clean img{border-radius:22px}
.page-hero-contact .lead{max-width:62ch}
.contact-layout-benchmark{grid-template-columns:minmax(0,.84fr) minmax(0,1.16fr)}
.summary-list-steps div strong{margin-bottom:6px}
.contact-hero-list{max-width:60ch;margin-top:20px}
.contact-note-box a{color:var(--primary);font-weight:800;text-decoration:none}
.contact-note-box a:hover{text-decoration:underline}

@media (max-width:1100px){
  .trust-grid-benchmark{grid-template-columns:repeat(2,minmax(0,1fr))}
  .contact-layout-benchmark{grid-template-columns:1fr}
}
@media (max-width:640px){
  .hero-list{gap:10px;margin-top:20px}
  .hero-list li{padding-left:24px;font-size:16px}
  .trust-grid-benchmark{grid-template-columns:1fr}
  .promise-card,.highlight-card{padding:22px}
}


/* v18 mobile clarity and form polish */
html,body{overflow-x:hidden}
img,svg,video,canvas,iframe{max-width:100%;height:auto}
.section{overflow:hidden}

/* calmer homepage process section */
.process-section .section-text{max-width:64ch}
.process-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin-top:18px}
.process-step{padding:28px;border-radius:26px;background:linear-gradient(180deg,#ffffff 0%,#f8fbff 100%);border:1px solid var(--line);box-shadow:0 12px 30px rgba(16,44,87,.06);min-width:0}
.process-step-top{display:flex;align-items:center;gap:14px;margin-bottom:16px}
.process-step-no{width:58px;height:58px;border-radius:18px;display:grid;place-items:center;background:linear-gradient(135deg,#fff6de 0%,#edf3ff 100%);border:1px solid var(--line);font-size:24px;font-weight:900;color:var(--primary)}
.process-step h3{margin:0;font-size:28px;line-height:1.05;max-width:10ch}
.process-step p{margin:0;color:var(--muted);line-height:1.8}
.process-step.accent-left{position:relative;padding-left:28px}
.process-step.accent-left:before{content:'';position:absolute;left:0;top:24px;bottom:24px;width:5px;border-radius:8px;background:linear-gradient(180deg,var(--accent) 0%,var(--primary-2) 100%)}

/* contact form consistency */
.form-panel-refined{padding:34px}
.lead-form-refined .grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.lead-form-refined .field{min-width:0;display:grid;gap:9px}
.lead-form-refined input,
.lead-form-refined select,
.lead-form-refined textarea{display:block;width:100%;max-width:100%;min-width:0;box-sizing:border-box}
.lead-form-refined input[type="text"],
.lead-form-refined input[type="email"],
.lead-form-refined select,
.lead-form-refined textarea{appearance:none;-webkit-appearance:none}
.input-hint{margin:-2px 0 0;font-size:13px;color:#7a889d;line-height:1.5}
.check-boxed{align-items:flex-start}
.check-boxed input{margin-top:2px}
.check-boxed span{font-size:14px}
.form-note{font-size:13px}

/* cleaner mobile behavior */
@media (max-width:960px){
  .process-grid{grid-template-columns:1fr;gap:16px}
  .process-step{padding:22px}
  .process-step h3{font-size:22px;max-width:none}
}
@media (max-width:640px){
  .lead-form-refined .grid-2{grid-template-columns:1fr}
  .form-panel-refined{padding:22px}
  .lead-form-refined .field label{font-size:12px}
  .lead-form-refined input,
  .lead-form-refined select,
  .lead-form-refined textarea{min-height:54px;border-radius:18px;font-size:16px}
  .lead-form-refined textarea{min-height:150px}
  .process-section .section-head{margin-bottom:6px}
  .process-step-top{margin-bottom:14px}
  .process-step-no{width:52px;height:52px;font-size:22px}
}


/* v19 form sending + cleaner mobile polish */
.form-alert{margin:12px 0 18px;padding:14px 16px;border-radius:16px;border:1px solid var(--line);font-size:15px;line-height:1.6}
.form-alert--success{background:#f4fbf6;border-color:#b9ddc3;color:#1f5d31}
.form-alert--error{background:#fff6f6;border-color:#efc5c5;color:#8b2e2e}
.hp-field{position:absolute;left:-9999px;opacity:0;pointer-events:none}
.contact-layout-benchmark,.contact-layout-refined,.contact-layout{align-items:start}
.form-panel-refined,.contact-summary-refined{min-width:0}
.lead-form-refined .field{overflow:hidden}
.lead-form-refined input,.lead-form-refined select,.lead-form-refined textarea{max-width:100%;width:100%}
.lead-form-refined input[type="text"],.lead-form-refined input[type="email"],.lead-form-refined input[type="tel"],.lead-form-refined select,.lead-form-refined textarea{font-size:16px}
.contact-layout-benchmark{grid-template-columns:minmax(0,.92fr) minmax(0,1.08fr)}
.process-grid{grid-template-columns:repeat(3,minmax(0,1fr));align-items:stretch}
.process-step{height:100%;padding:30px 26px;border-radius:24px}
.process-step h3{font-size:24px;line-height:1.12;max-width:none}
.process-step p{font-size:17px;line-height:1.72}
.process-step.accent-left{padding-left:32px}
.process-step-top{align-items:flex-start}
@media (max-width:960px){.contact-layout-benchmark{grid-template-columns:1fr}.process-grid{grid-template-columns:1fr;gap:16px}.process-step{padding:22px 20px}.process-step.accent-left{padding-left:24px}}
@media (max-width:640px){.page-hero-contact .inline-image{display:none}.lead-form-refined .grid-2{grid-template-columns:1fr}.lead-form-refined .field{gap:8px}.lead-form-refined .field label{font-size:12px;line-height:1.35}.lead-form-refined input,.lead-form-refined select,.lead-form-refined textarea{min-height:56px;padding-left:16px;padding-right:16px;border-radius:18px}.lead-form-refined textarea{min-height:170px}.input-hint{font-size:12px;line-height:1.45}.check-boxed{grid-template-columns:22px 1fr;padding:12px 14px}.check-boxed span{font-size:13px;line-height:1.55}.form-note{font-size:12px;line-height:1.55}.process-step-no{width:50px;height:50px;font-size:21px}.process-step h3{font-size:20px}.process-step p{font-size:16px;line-height:1.65}}


/* v20 final homepage polish */
.hero-clean .lead{max-width:60ch}
.hero-grid-clean{align-items:start}
.media-card-clean{min-height:540px}
.compact-intro-card{padding:24px}
.section-compact-top{padding-top:54px}
.compact-card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.compact-card-item{padding:24px}
.compact-card-item p{margin-bottom:0}
.process-section-clean .section-head{margin-bottom:18px}
.clean-process-grid{margin-top:10px}
.clean-process-step h3{font-size:22px}
.clean-service-grid .card-content{padding:22px}
.reassurance-section-clean .reassurance-card{height:100%}
.compact-summary-list{display:grid;gap:12px}
.compact-summary-list div{padding:16px 18px;border-radius:18px;background:#fff;border:1px solid var(--line);box-shadow:0 10px 24px rgba(16,44,87,.05)}
.compact-summary-list strong{display:block;color:var(--primary);margin-bottom:5px}
.compact-summary-list span{display:block;color:var(--muted);font-size:14px;line-height:1.65}
.cta-spotlight{padding-top:64px;padding-bottom:64px}
.cta-spotlight-grid{grid-template-columns:minmax(0,1.02fr) minmax(320px,.78fr);gap:28px}
.single-image-card{overflow:hidden;border-radius:28px;border:1px solid rgba(255,255,255,.16);box-shadow:0 16px 36px rgba(0,0,0,.18);align-self:stretch}
.single-image-card img{width:100%;height:100%;min-height:360px;object-fit:cover}
.field-term{max-width:100%}
.lead-form-refined .grid-2 > *,.lead-form-refined .field-term{min-width:0}
.lead-form-refined input,.lead-form-refined textarea,.lead-form-refined select{overflow:hidden;text-overflow:ellipsis}
@media (max-width:1180px){
  .compact-card-grid{grid-template-columns:1fr 1fr}
  .cta-spotlight-grid{grid-template-columns:1fr}
  .single-image-card img{min-height:300px}
}
@media (max-width:960px){
  .media-card-clean{min-height:360px}
  .compact-card-grid{grid-template-columns:1fr}
}
@media (max-width:640px){
  .hero-clean{padding-top:26px}
  .compact-intro-card{padding:20px}
  .compact-card-item{padding:20px}
  .compact-card-item h3{font-size:20px}
  .clean-process-step{padding:20px 18px}
  .clean-process-step h3{font-size:19px}
  .clean-process-step p{font-size:15px;line-height:1.6}
  .reassurance-section-clean .split{gap:16px}
  .compact-summary-list div{padding:14px 16px}
  .cta-spotlight{padding-top:46px;padding-bottom:46px}
  .single-image-card{border-radius:22px}
  .single-image-card img{min-height:230px}
  .lead-form-refined .field-term input{white-space:normal}
}


/* v21 mobile redesign for reassurance section */
@media (max-width:640px){
  .reassurance-section-clean{padding-top:28px;padding-bottom:10px}
  .reassurance-section-clean .reassurance-compact{
    display:grid;
    grid-template-columns:1fr;
    gap:14px;
  }
  .reassurance-section-clean .reassurance-card{
    padding:22px 18px;
    border-radius:24px;
    min-width:0;
  }
  .reassurance-section-clean .reassurance-card h2{
    font-size:18px;
    line-height:1.2;
    max-width:13ch;
    margin-bottom:12px;
  }
  .reassurance-section-clean .reassurance-card p{
    font-size:15px;
    line-height:1.68;
    margin-bottom:0;
  }
  .reassurance-section-clean .compact-bullets-card{
    background:#fff;
  }
  .reassurance-section-clean .compact-summary-list{
    gap:10px;
  }
  .reassurance-section-clean .compact-summary-list div{
    padding:14px 14px 14px 16px;
    border-radius:18px;
    position:relative;
    box-shadow:none;
    background:#fbfcff;
  }
  .reassurance-section-clean .compact-summary-list div::before{
    content:'';
    position:absolute;
    left:0;
    top:14px;
    bottom:14px;
    width:4px;
    border-radius:999px;
    background:linear-gradient(180deg,var(--accent) 0%, var(--primary-2) 100%);
  }
  .reassurance-section-clean .compact-summary-list strong{
    font-size:18px;
    line-height:1.22;
    margin-bottom:6px;
    max-width:14ch;
  }
  .reassurance-section-clean .compact-summary-list span{
    font-size:14px;
    line-height:1.6;
  }
}


/* v23 calculator refresh + mobile cleanup */
.calc-hero{padding-bottom:24px}
.calc-hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:28px;align-items:center}
.calc-hero-points{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin-top:24px}
.hero-point-card{padding:18px;border-radius:20px;background:rgba(255,255,255,.9);border:1px solid var(--line);box-shadow:0 8px 24px rgba(16,44,87,.06)}
.hero-point-card strong{display:block;color:var(--primary);margin-bottom:6px}
.hero-point-card span{display:block;color:var(--muted);font-size:14px;line-height:1.6}
.calc-hero-image{min-height:100%;aspect-ratio:16/12}
.calc-main-section{padding-top:22px}
.calc-main-grid{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(320px,.92fr);gap:22px;align-items:start}
.calc-form-box,.calc-result-box{padding:30px}
.calc-box-head{display:grid;gap:10px;margin-bottom:20px}
.calc-box-head h2,.calc-reading-card h2{font-size:34px}
.calc-box-intro,.result-note{color:var(--muted);font-size:15px;line-height:1.7;margin:0}
.calc-control-stack{display:grid;gap:18px}
.calc-field{gap:10px}
.input-with-suffix{position:relative}
.input-with-suffix input{padding-right:72px}
.input-with-suffix span{position:absolute;right:16px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:700;font-size:14px;pointer-events:none}
.range-input{width:100%;min-height:auto;height:6px;padding:0;border:0;border-radius:999px;background:linear-gradient(90deg,#d7e4f5 0%, #b7cbea 100%);appearance:none;-webkit-appearance:none;outline:none;box-shadow:none}
.range-input::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:22px;height:22px;border-radius:50%;background:var(--primary);border:3px solid #fff;box-shadow:0 6px 16px rgba(16,44,87,.18);cursor:pointer}
.range-input::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--primary);border:3px solid #fff;box-shadow:0 6px 16px rgba(16,44,87,.18);cursor:pointer}
.range-input::-moz-range-track{height:6px;background:linear-gradient(90deg,#d7e4f5 0%, #b7cbea 100%);border-radius:999px}
.calc-helper-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:18px}
.calc-helper-card{padding:16px 18px;border-radius:18px;background:#f7fbff;border:1px solid #dce7f4}
.calc-helper-card strong{display:block;color:var(--primary);margin-bottom:6px}
.calc-helper-card span{display:block;color:var(--muted);font-size:14px;line-height:1.6}
.result-caption{margin:12px 0 4px;color:var(--muted);font-size:15px}
.result-stat-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:16px 0 18px}
.result-stat-grid div{padding:16px;border-radius:18px;background:#f7fbff;border:1px solid #dce7f4}
.result-stat-grid small{display:block;color:var(--muted);font-size:13px;margin-bottom:4px}
.result-stat-grid strong{display:block;color:var(--primary);font-size:18px;line-height:1.3}
.calc-action-stack{margin-top:18px}
.calc-head-tight{margin-bottom:18px}
.scenario-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.scenario-card{padding:22px;border-radius:24px;background:#fff;border:1px solid var(--line);box-shadow:0 10px 24px rgba(16,44,87,.06)}
.scenario-card.is-current{background:linear-gradient(180deg,#ffffff 0%,#f5f9ff 100%);border-color:#c9d8ec;box-shadow:0 14px 30px rgba(16,44,87,.09)}
.scenario-rate{display:inline-flex;align-items:center;justify-content:center;padding:8px 12px;border-radius:999px;background:#eef4ff;border:1px solid #d8e4f4;color:var(--primary);font-size:12px;font-weight:900;letter-spacing:.08em;text-transform:uppercase}
.scenario-card.is-current .scenario-rate{background:#fff4d7;border-color:#ecd89b;color:#7a5a08}
.scenario-card h3{font-size:18px;margin:14px 0 12px}
.scenario-values{display:grid;gap:12px}
.scenario-values div{padding:14px 16px;border-radius:18px;background:#f9fbff;border:1px solid #dde7f4}
.scenario-values small{display:block;color:var(--muted);font-size:13px;margin-bottom:4px}
.scenario-values strong{display:block;color:var(--primary);font-size:20px;line-height:1.25}
.calc-reading-grid{align-items:stretch}
.calc-reading-card{padding:30px}

.reassurance-compact{grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:20px}
.compact-bullets-card .summary-list{gap:12px}
.compact-bullets-card .summary-list div{padding:18px}

@media (max-width:1080px){
  .calc-hero-grid,.calc-main-grid{grid-template-columns:1fr}
  .calc-hero-points,.scenario-cards{grid-template-columns:1fr 1fr}
}
@media (max-width:960px){
  .reassurance-compact{grid-template-columns:1fr !important}
  .compact-bullets-card{order:2}
}
@media (max-width:640px){
  .calc-hero-grid,.calc-main-grid,.calc-reading-grid,.scenario-cards,.calc-hero-points,.calc-helper-grid,.result-stat-grid{grid-template-columns:1fr}
  .calc-form-box,.calc-result-box,.calc-reading-card{padding:22px}
  .calc-box-head h2,.calc-reading-card h2{font-size:28px}
  .input-with-suffix input{font-size:18px}
  .scenario-card{padding:18px;border-radius:20px}
  .hero-point-card,.calc-helper-card,.result-stat-grid div,.scenario-values div{padding:14px 15px}
}


/* Unified mortgage calculator */
.calc-hero-single{padding-bottom:18px}
.calc-hero-grid-single{align-items:center}
.calc-hero-points-single{margin-top:22px}
.calc-unified-section{padding-top:18px}
.calc-unified-shell{display:grid;grid-template-columns:minmax(0,1.12fr) minmax(330px,.88fr);gap:22px;align-items:start}
.calc-unified-form,.calc-unified-result{padding:30px}
.calc-unified-head{margin-bottom:22px}
.calc-presets{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:18px}
.calc-preset{appearance:none;border:1px solid #d7e3f2;background:#f7fbff;color:var(--primary);padding:12px 16px;border-radius:999px;font-weight:800;font-size:14px;line-height:1.2;cursor:pointer;transition:transform .18s ease, box-shadow .18s ease, border-color .18s ease, background .18s ease}
.calc-preset:hover{transform:translateY(-1px);box-shadow:0 10px 20px rgba(16,44,87,.08)}
.calc-preset.is-active{background:#fff4d7;border-color:#ecd89b;color:#7a5a08;box-shadow:0 10px 22px rgba(122,90,8,.08)}
.calc-form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px 16px}
.calc-field-emphasis .input-with-suffix input{font-weight:900}
.calc-field-wide{grid-column:1 / -1}
.label-optional{font-size:12px;color:var(--muted);font-weight:700;text-transform:uppercase;letter-spacing:.06em}
.calc-info-strip{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin-top:20px}
.calc-info-strip div,.calc-result-grid div{padding:16px 18px;border-radius:20px;background:#f9fbff;border:1px solid #dce6f3}
.calc-info-strip small,.calc-result-grid small{display:block;color:var(--muted);font-size:13px;margin-bottom:5px}
.calc-info-strip strong,.calc-result-grid strong{display:block;color:var(--primary);font-size:20px;line-height:1.3}
.calc-result-top{display:flex;justify-content:space-between;gap:14px;align-items:flex-start}
.calc-status{display:inline-flex;align-items:center;justify-content:center;padding:10px 14px;border-radius:999px;font-size:12px;font-weight:900;letter-spacing:.08em;text-transform:uppercase;border:1px solid #dce6f3;background:#f7fbff;color:var(--primary);text-align:center}
.calc-status.is-good{background:#eefaf3;border-color:#cce9d6;color:#1d7445}
.calc-status.is-medium{background:#fff7e7;border-color:#f0deb0;color:#7a5a08}
.calc-status.is-risk{background:#fff0ef;border-color:#f1d1cf;color:#a4342c}
.calc-result-note{margin-top:0;margin-bottom:18px}
.calc-result-grid{grid-template-columns:1fr 1fr;margin-top:16px}
.calc-quick-take{margin-top:18px;padding:18px 20px;background:linear-gradient(180deg,#ffffff 0%,#f8fbff 100%)}
.calc-quick-take strong{display:block;color:var(--primary);margin-bottom:6px}
.calc-quick-take p{margin:0;color:var(--muted);font-size:15px;line-height:1.7}
.calc-scenarios-integrated{padding-top:10px}
.scenario-card p{margin:12px 0 0;color:var(--muted);font-size:14px;line-height:1.6}
.scenario-delta{display:inline-flex;align-items:center;justify-content:center;padding:8px 12px;border-radius:999px;background:#f7fbff;border:1px solid #dbe7f5;color:var(--primary);font-size:12px;font-weight:800}
.scenario-delta.up{background:#fff1ef;border-color:#f2d7d2;color:#a4342c}
.scenario-delta.down{background:#eefaf3;border-color:#cce9d6;color:#1d7445}
.calc-next-step-section{padding-top:20px}
.calc-check-list{margin-top:18px}
.faq-mini-list div{gap:8px}
.calc-hero-image-single{min-height:100%;aspect-ratio:16/12}

@media (max-width:1180px){
  .calc-unified-shell{grid-template-columns:1fr}
}
@media (max-width:960px){
  .calc-form-grid,.calc-info-strip,.calc-result-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:640px){
  .calc-presets{display:grid;grid-template-columns:1fr;gap:10px}
  .calc-form-grid,.calc-info-strip,.calc-result-grid{grid-template-columns:1fr}
  .calc-unified-form,.calc-unified-result{padding:22px}
  .calc-status{width:100%;justify-content:center}
  .calc-result-top{display:grid}
}


/* Contact form UX refinements */
.check-boxed-modern{position:relative;grid-template-columns:28px 24px 1fr;gap:12px;align-items:center;padding:16px 18px;border-radius:22px;background:linear-gradient(180deg,#fbfdff 0%,#f4f8ff 100%);border:1px solid rgba(26,71,138,.14);box-shadow:0 10px 26px rgba(18,44,92,.05);transition:border-color .2s ease, box-shadow .2s ease, background .2s ease}
.check-boxed-modern:hover{border-color:rgba(26,71,138,.24);box-shadow:0 14px 30px rgba(18,44,92,.08)}
.check-boxed-modern input[type="checkbox"]{position:absolute;opacity:0;pointer-events:none}
.check-boxed-modern .check-indicator{width:24px;height:24px;border-radius:8px;border:2px solid #9eb0cb;background:#fff;box-shadow:inset 0 1px 0 rgba(255,255,255,.7), 0 3px 10px rgba(18,44,92,.05);display:inline-block;position:relative;transition:all .2s ease}
.check-boxed-modern .check-indicator::after{content:'';position:absolute;left:7px;top:2px;width:6px;height:12px;border-right:3px solid #fff;border-bottom:3px solid #fff;transform:rotate(45deg) scale(.7);opacity:0;transition:all .18s ease}
.check-boxed-modern input[type="checkbox"]:checked + .check-indicator{background:linear-gradient(135deg,#143f7d,#1f5fbd);border-color:#1c55a6;box-shadow:0 10px 20px rgba(25,74,150,.2)}
.check-boxed-modern input[type="checkbox"]:checked + .check-indicator::after{opacity:1;transform:rotate(45deg) scale(1)}
.check-boxed-modern input[type="checkbox"]:focus-visible + .check-indicator{outline:3px solid rgba(34,116,255,.22);outline-offset:3px}
.check-boxed-modern span:last-child{line-height:1.55;color:#445875}
.check-boxed-modern a{font-weight:700}
.field.is-invalid input,.field.is-invalid select,.field.is-invalid textarea,.check-boxed-modern.is-invalid{border-color:#d85b5b !important;box-shadow:0 0 0 4px rgba(216,91,91,.08)}
.field-error,.check-error{display:block;margin-top:8px;font-size:13px;line-height:1.45;color:#a33d3d}
.form-alert--error{scroll-margin-top:110px}
@media (max-width:640px){
  .check-boxed-modern{grid-template-columns:26px 22px 1fr;gap:10px;padding:14px 14px 14px 13px;border-radius:20px}
  .check-boxed-modern .check-indicator{width:22px;height:22px;border-radius:7px}
  .check-boxed-modern .check-indicator::after{left:6px;top:1px;width:6px;height:11px}
}


.form-status-slot{display:block;margin:0 0 14px}
.form-alert{padding:16px 18px;border-radius:18px;border:1px solid transparent;font-weight:600;line-height:1.6;margin:0 0 14px}
.form-alert--success{background:linear-gradient(180deg,#f3fbf7 0%,#edf9f3 100%);border-color:#b9e2c8;color:#0f5a35}
.form-alert--error{background:linear-gradient(180deg,#fff7f7 0%,#fff1f1 100%);border-color:#f0c9c9;color:#973636}
.field-error,.check-error{display:block;margin-top:8px;color:#a13838;font-size:13px;font-weight:700;line-height:1.5}
.field.is-invalid input,.field.is-invalid select,.field.is-invalid textarea{border-color:#d98c8c;box-shadow:0 0 0 4px rgba(161,56,56,.08)}
.check-boxed-modern.is-invalid{border-color:#d98c8c;box-shadow:0 0 0 4px rgba(161,56,56,.08)}
.check-boxed-modern{display:grid;grid-template-columns:28px 1fr;gap:14px;align-items:start;padding:16px 18px;border:1px solid #d7e0ed;border-radius:22px;background:linear-gradient(180deg,#fff 0%,#f9fbff 100%);transition:border-color .18s ease, box-shadow .18s ease, background-color .18s ease}
.check-boxed-modern input{position:absolute;opacity:0;pointer-events:none}
.check-boxed-modern .check-indicator{position:relative;display:inline-flex;width:28px;height:28px;border-radius:10px;border:2px solid #98a6bc;background:#fff;box-shadow:inset 0 1px 0 rgba(255,255,255,.9), 0 2px 6px rgba(16,44,87,.05);margin-top:2px;transition:border-color .18s ease, background-color .18s ease, transform .18s ease, box-shadow .18s ease}
.check-boxed-modern .check-indicator::after{content:'';position:absolute;left:8px;top:3px;width:8px;height:14px;border-right:3px solid transparent;border-bottom:3px solid transparent;transform:rotate(45deg) scale(.8);opacity:0;transition:opacity .18s ease, border-color .18s ease}
.check-boxed-modern:hover{background:#fff;border-color:#c7d3e6}
.check-boxed-modern input:focus-visible + .check-indicator{box-shadow:0 0 0 4px rgba(16,44,87,.10)}
.check-boxed-modern input:checked + .check-indicator{border-color:var(--primary);background:var(--primary);transform:translateY(-1px)}
.check-boxed-modern input:checked + .check-indicator::after{opacity:1;border-color:#fff}
.check-boxed-modern > span:last-child{font-size:15px;line-height:1.65;color:var(--text);min-width:0}
.lead-form.is-submitting{pointer-events:none}
.lead-form.is-submitting .btn[type="submit"]{opacity:.86}
button[disabled]{cursor:not-allowed}
@media (max-width:640px){
  .check-boxed-modern{grid-template-columns:24px 1fr;gap:12px;padding:14px 15px;border-radius:20px}
  .check-boxed-modern .check-indicator{width:24px;height:24px;border-radius:8px}
  .check-boxed-modern .check-indicator::after{left:6px;top:2px;width:7px;height:12px}
  .check-boxed-modern > span:last-child{font-size:14px;line-height:1.58}
  .form-alert{padding:14px 15px;border-radius:16px}
}


/* v29 home hero refresh */
.hero-premium-home{padding:72px 0 34px}
.hero-grid-premium-home{grid-template-columns:minmax(0,1.02fr) minmax(0,.98fr);gap:34px;align-items:start}
.hero-copy-premium-home h1{max-width:12ch}
.hero-trust-band{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:24px 0 0;max-width:760px}
.hero-trust-band div{padding:16px 18px;border-radius:20px;background:rgba(255,255,255,.88);border:1px solid rgba(219,229,241,.95);box-shadow:0 10px 24px rgba(16,44,87,.06)}
.hero-trust-band strong{display:block;color:var(--primary);font-size:15px;line-height:1.35}
.hero-trust-band span{display:block;margin-top:4px;color:var(--muted);font-size:13px;line-height:1.55}
.hero-visual-premium{display:grid;gap:18px;align-self:start}
.hero-main-visual{min-height:520px;border-radius:30px;overflow:hidden}
.hero-main-visual::after{background:linear-gradient(180deg,rgba(16,44,87,.02),rgba(16,44,87,.16))}
.hero-visual-bottom-row{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(280px,.75fr);gap:18px;align-items:stretch}
.aspiration-card{display:grid;grid-template-columns:184px minmax(0,1fr);gap:0;overflow:hidden;padding:0;background:linear-gradient(180deg,#fff 0%,#f8fbff 100%)}
.aspiration-card img{width:100%;height:100%;min-height:100%;object-fit:cover}
.aspiration-card-copy{padding:20px 20px 18px}
.aspiration-card-copy .mini-label{margin-bottom:12px}
.aspiration-card-copy h2{font-size:27px;line-height:1.06;margin-bottom:10px;letter-spacing:-.045em}
.aspiration-card-copy p{margin:0;color:var(--muted);font-size:15px;line-height:1.7}
.hero-contact-elevated{background:linear-gradient(180deg,#ffffff 0%,#f7fbff 100%);justify-content:flex-start}
.hero-contact-elevated h2{font-size:28px;line-height:1.08;margin-bottom:10px}
.hero-contact-elevated p{color:var(--muted);margin-bottom:0}
.hero-contact-elevated .text-link{display:inline-flex;margin-top:10px;font-weight:800;color:var(--primary)}
.hero-contact-elevated .text-link:hover{text-decoration:underline}
.clean-service-grid .service-card img{height:240px;object-fit:cover}

@media (max-width:1180px){
  .hero-grid-premium-home{grid-template-columns:1fr}
  .hero-copy-premium-home h1{max-width:13ch}
}
@media (max-width:900px){
  .hero-trust-band{grid-template-columns:1fr}
  .hero-main-visual{min-height:420px}
  .hero-visual-bottom-row{grid-template-columns:1fr}
  .aspiration-card{grid-template-columns:1fr}
  .aspiration-card img{max-height:220px}
}
@media (max-width:640px){
  .hero-premium-home{padding:34px 0 18px}
  .hero-main-visual{min-height:330px;border-radius:24px}
  .aspiration-card-copy{padding:18px}
  .aspiration-card-copy h2{font-size:22px}
  .hero-contact-elevated h2{font-size:24px}
  .hero-trust-band div{padding:15px 16px}
}


/* v30 hero repair */
.hero-premium-home{padding:64px 0 34px}
.hero-grid-premium-home{grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);gap:30px;align-items:start}
.hero-copy-premium-home h1{max-width:11ch;font-size:clamp(52px,5.2vw,84px);line-height:.94;letter-spacing:-.055em}
.hero-copy-premium-home .lead{max-width:60ch}
.hero-trust-band{max-width:none}
.hero-visual-premium{display:grid;gap:18px;min-width:0}
.hero-main-visual{min-height:470px}
.hero-main-visual img{object-position:center center}
.hero-visual-bottom-row{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;align-items:stretch}
.aspiration-card-stacked{display:flex;flex-direction:column;padding:0;overflow:hidden;min-width:0}
.aspiration-card-stacked img{width:100%;height:210px;object-fit:cover;display:block}
.aspiration-card-copy{padding:20px 20px 18px}
.aspiration-card-copy h2{font-size:24px;line-height:1.14;letter-spacing:-.04em;margin-bottom:10px;max-width:18ch}
.aspiration-card-copy p{font-size:15px;line-height:1.7}
.hero-contact-elevated{padding:22px;min-width:0}
.hero-contact-elevated h2{font-size:24px;line-height:1.14;letter-spacing:-.04em;max-width:14ch}
.hero-contact-elevated p{font-size:15px;line-height:1.72}
.hero-mini-list{padding-left:20px;color:var(--muted)}
.hero-mini-list li{margin:8px 0;line-height:1.58}
@media (max-width:1180px){
  .hero-grid-premium-home{grid-template-columns:1fr}
  .hero-copy-premium-home h1{max-width:13ch}
}
@media (max-width:900px){
  .hero-main-visual{min-height:400px}
  .hero-visual-bottom-row{grid-template-columns:1fr}
  .aspiration-card-copy h2,.hero-contact-elevated h2{max-width:none}
}
@media (max-width:640px){
  .hero-premium-home{padding:28px 0 16px}
  .hero-copy-premium-home h1{font-size:42px;max-width:none;line-height:1}
  .hero-main-visual{min-height:320px}
  .aspiration-card-stacked img{height:180px}
  .hero-contact-elevated{padding:20px}
}

/* v31 calmer homepage hero */
.hero-premium-home-v2{padding:58px 0 28px}
.hero-grid-premium-home-v2{grid-template-columns:minmax(0,1.02fr) minmax(0,.98fr);gap:28px;align-items:center}
.hero-copy-premium-home-v2 h1{max-width:11ch;font-size:clamp(44px,5.6vw,76px);line-height:.98;letter-spacing:-.055em;margin-bottom:18px}
.hero-copy-premium-home-v2 .lead{max-width:60ch;font-size:20px;line-height:1.72;color:#5d6a80;margin-bottom:0}
.hero-actions-premium-v2{margin-top:24px}
.hero-proof-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin-top:24px}
.hero-proof-grid div{padding:16px 18px;border-radius:20px;background:rgba(255,255,255,.9);border:1px solid rgba(219,229,241,.95);box-shadow:0 10px 24px rgba(16,44,87,.06)}
.hero-proof-grid strong{display:block;color:var(--primary);font-size:15px;line-height:1.35}
.hero-proof-grid span{display:block;margin-top:5px;color:var(--muted);font-size:13px;line-height:1.55}
.hero-visual-premium-v2{display:grid;gap:16px;min-width:0}
.hero-main-visual-v2{min-height:500px;border-radius:30px;overflow:hidden}
.hero-main-visual-v2 img{object-position:center center}
.hero-visual-bottom-row-v2{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:16px}
.quick-start-card,.hero-contact-elevated-v2{padding:22px;background:linear-gradient(180deg,#ffffff 0%,#f8fbff 100%)}
.quick-start-card h2,.hero-contact-elevated-v2 h2{font-size:24px;line-height:1.14;letter-spacing:-.04em;margin-bottom:10px;max-width:15ch}
.quick-start-card ul,.hero-contact-elevated-v2 ul{margin:0;padding-left:18px}
.clean-list-tight li{margin:8px 0;color:var(--text)}
.hero-contact-elevated-v2 p{font-size:15px;line-height:1.72;color:var(--muted);margin-bottom:0}
.hero-contact-elevated-v2 .text-link{margin-top:10px}

@media (max-width:960px){
  .hero-grid-premium-home-v2{grid-template-columns:1fr}
  .hero-copy-premium-home-v2 h1{max-width:12ch}
  .hero-main-visual-v2{min-height:400px}
}

@media (max-width:640px){
  .hero-premium-home-v2{padding:26px 0 14px}
  .hero-copy-premium-home-v2 h1{font-size:clamp(32px,10vw,48px);line-height:1.01;max-width:none;margin-bottom:14px}
  .hero-copy-premium-home-v2 .lead{font-size:17px;line-height:1.66}
  .hero-actions-premium-v2{margin-top:18px}
  .hero-proof-grid{grid-template-columns:1fr;gap:10px;margin-top:18px}
  .hero-proof-grid div{padding:14px 15px;border-radius:18px}
  .hero-main-visual-v2{min-height:250px;border-radius:24px}
  .hero-visual-bottom-row-v2{grid-template-columns:1fr;gap:12px}
  .quick-start-card,.hero-contact-elevated-v2{padding:18px}
  .quick-start-card h2,.hero-contact-elevated-v2 h2{font-size:22px;max-width:none}
  .floating-note strong{font-size:14px}
  .floating-note span{font-size:12px}
}


/* v33 quick answers + guides */
.content-chip-row{display:flex;flex-wrap:wrap;gap:10px;margin:18px 0 0}
.chip-link{display:inline-flex;align-items:center;padding:10px 14px;border-radius:999px;background:#fff;border:1px solid var(--line);font-weight:700;color:var(--primary)}
.chip-link:hover{border-color:#bfd2ee;transform:translateY(-1px)}
.section-tight{padding-top:28px;padding-bottom:28px}
.section-heading-tight{margin-bottom:18px}
.qa-topic-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.qa-topic-card{display:block;padding:22px;border:1px solid var(--line);border-radius:24px;background:linear-gradient(180deg,#fff 0%,#f8fbff 100%);box-shadow:0 10px 24px rgba(16,44,87,.05)}
.qa-topic-card strong{display:block;color:var(--primary);font-size:20px;line-height:1.18;letter-spacing:-.03em;margin-bottom:8px}
.qa-topic-card span{display:block;color:var(--muted);line-height:1.68}
.qa-links{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin-top:16px}
.qa-links span{color:#98a6bb}
.guide-index-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.guide-sections{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.guide-card{padding:28px;border-radius:26px;background:linear-gradient(180deg,#fff 0%,#f8fbff 100%)}
.guide-card h2{font-size:30px;line-height:1.08;letter-spacing:-.04em;margin-bottom:14px}
.guide-card p{color:var(--muted)}
.guide-links{display:flex;flex-wrap:wrap;gap:14px;align-items:center;margin-top:16px}
.calc-mini-links{margin-top:14px}
@media (max-width:960px){.qa-topic-grid,.guide-index-grid,.guide-sections{grid-template-columns:1fr}}
@media (max-width:640px){.section-tight{padding-top:20px;padding-bottom:20px}.qa-topic-card,.guide-card{padding:20px;border-radius:22px}.qa-topic-card strong{font-size:18px}.guide-card h2{font-size:24px}.qa-links,.guide-links{gap:12px}}

/* Contact page UX refinement v34 */
.contact-response-strip{margin-top:18px;padding:16px 18px;border:1px solid #d9e3f0;border-radius:20px;background:linear-gradient(180deg,#ffffff 0%,#f6f9ff 100%);display:grid;gap:6px;box-shadow:0 10px 24px rgba(16,44,87,.05)}
.contact-response-strip strong{font-size:16px;color:var(--primary)}
.contact-response-strip span{font-size:14px;line-height:1.65;color:var(--muted)}
.contact-note-box-emphasis{background:linear-gradient(180deg,#f8fbff 0%,#f1f6ff 100%);border-color:#d6e2f0}
.field-select select{font-weight:600;background-color:#fdfefe}
.field-select .input-hint{margin-top:6px}
.contact-time-box{margin:2px 0 0;padding:18px;border:1px solid #d9e3f0;border-radius:24px;background:linear-gradient(180deg,#fcfdff 0%,#f7faff 100%);display:grid;gap:14px}
.contact-time-box legend{padding:0 10px;font-weight:800;color:var(--primary)}
.contact-time-lead{margin:0;color:var(--muted);line-height:1.7}
.callback-options{display:grid;grid-template-columns:1fr;gap:12px}
.callback-option{display:grid;grid-template-columns:24px 1fr;gap:12px;align-items:start;padding:14px 16px;border:1px solid #d7e0ed;border-radius:20px;background:#fff;cursor:pointer;transition:border-color .18s ease, box-shadow .18s ease, transform .18s ease}
.callback-option:hover{border-color:#bfd0e8;box-shadow:0 10px 20px rgba(16,44,87,.05)}
.callback-option.is-active{border-color:#9cb6dd;box-shadow:0 0 0 4px rgba(16,44,87,.06)}
.callback-option input{margin-top:3px;min-height:auto;width:20px;height:20px;accent-color:var(--primary)}
.callback-option strong{display:block;font-size:16px;line-height:1.35;color:var(--primary)}
.callback-option small{display:block;margin-top:4px;font-size:13px;line-height:1.55;color:var(--muted)}
.callback-datetime[hidden],#preferredTermField[hidden]{display:none!important}
.callback-datetime.is-active{display:grid}
#preferredTermField.is-active{display:grid}
input[type="date"],input[type="time"]{-webkit-appearance:none;appearance:none}
.form-panel-refined .field input[type="date"],.form-panel-refined .field input[type="time"],.form-panel-refined .field select{padding-right:18px}
@media (max-width:640px){
  .contact-response-strip{padding:14px 15px;border-radius:18px}
  .contact-response-strip strong{font-size:15px;line-height:1.45}
  .contact-response-strip span{font-size:13px;line-height:1.55}
  .contact-time-box{padding:14px;border-radius:20px;gap:12px}
  .contact-time-box legend{font-size:15px}
  .contact-time-lead{font-size:13px;line-height:1.55}
  .callback-option{grid-template-columns:22px 1fr;padding:13px 14px;border-radius:18px}
  .callback-option strong{font-size:15px;line-height:1.35}
  .callback-option small{font-size:12px;line-height:1.5}
  .field-select select{min-height:60px;padding-top:10px;padding-bottom:10px;line-height:1.3;background-position:calc(100% - 20px) calc(50% - 3px),calc(100% - 14px) calc(50% - 3px);background-size:7px 7px,7px 7px}
  .field-select .input-hint{font-size:12px;line-height:1.45}
  .form-panel-refined .field input[type="date"],.form-panel-refined .field input[type="time"]{min-height:58px}
}


/* Contact page UX refinement v35 */
.field-select select{min-height:62px;padding-right:48px;line-height:1.35}
.contact-time-box{padding:16px 18px;gap:12px}
.contact-time-note-inline{padding:12px 14px;border-radius:16px;background:#fff;border:1px solid #dde6f2;display:grid;gap:4px}
.contact-time-note-inline strong{font-size:14px;color:var(--primary);line-height:1.45}
.contact-time-note-inline span{font-size:13px;color:var(--muted);line-height:1.55}
.callback-options{gap:10px}
.callback-option{position:relative;grid-template-columns:14px 1fr;gap:10px;padding:11px 13px;border-radius:16px;align-items:start}
.callback-option input{position:absolute;opacity:0;pointer-events:none}
.callback-option-ui{position:relative;display:inline-flex;width:14px;height:14px;border-radius:50%;border:2px solid #96a9c4;background:#fff;box-shadow:inset 0 1px 0 rgba(255,255,255,.9);margin-top:4px;transition:border-color .18s ease, box-shadow .18s ease, transform .18s ease}
.callback-option-ui::after{content:'';position:absolute;inset:2px;border-radius:50%;background:var(--primary);opacity:0;transform:scale(.55);transition:opacity .18s ease, transform .18s ease}
.callback-option-copy{min-width:0}
.callback-option input:checked + .callback-option-ui{border-color:var(--primary);box-shadow:0 0 0 3px rgba(20,63,125,.08)}
.callback-option input:checked + .callback-option-ui::after{opacity:1;transform:scale(1)}
.callback-option input:focus-visible + .callback-option-ui{box-shadow:0 0 0 4px rgba(20,63,125,.14)}
.callback-option strong{font-size:15px}
.callback-option small{font-size:13px;line-height:1.52}
.callback-datetime{margin-top:2px}
.callback-hours-hint{margin-top:-2px;padding-left:2px}
.form-panel-refined .field input[type="date"],.form-panel-refined .field input[type="time"]{min-height:48px;padding:10px 14px;border-radius:16px;font-size:16px;line-height:1.2}
.field-date input,.field-time input{text-align:left}
@media (max-width:640px){
  .field-select select{min-height:56px;padding:12px 42px 12px 16px;font-size:15px}
  .field-select .input-hint{margin-top:5px}
  .contact-time-box{padding:14px 14px 15px;border-radius:18px;gap:10px}
  .contact-time-lead{font-size:13px;line-height:1.5}
  .contact-time-note-inline{padding:11px 12px;border-radius:14px}
  .callback-option{grid-template-columns:14px 1fr;gap:9px;padding:10px 12px;border-radius:14px}
  .callback-option-ui{width:14px;height:14px;margin-top:4px}
  .callback-option-ui::after{inset:2px}
  .callback-option strong{font-size:14px;line-height:1.35}
  .callback-option small{font-size:12px;line-height:1.45;margin-top:3px}
  .form-panel-refined .field input[type="date"],.form-panel-refined .field input[type="time"]{min-height:46px;padding:9px 12px;border-radius:14px;font-size:15px}
}


/* v39 homepage proof cards fix */
.hero-proof-grid{align-items:stretch}
.hero-proof-item{display:flex;flex-direction:column;justify-content:flex-start;gap:6px;min-width:0;padding:16px 18px;border-radius:20px;background:rgba(255,255,255,.92);border:1px solid rgba(219,229,241,.95);box-shadow:0 10px 24px rgba(16,44,87,.06)}
.hero-proof-title{display:block;margin:0;color:var(--primary);font-size:15px;line-height:1.35;letter-spacing:-.01em}
.hero-proof-text{margin:0;color:var(--muted);font-size:13px;line-height:1.55}
.hero-proof-grid > div{padding:0;border:0;background:transparent;box-shadow:none}
@media (max-width:640px){
  .hero-actions-premium-v2{display:grid;grid-template-columns:1fr;gap:10px}
  .hero-actions-premium-v2 .btn{width:100%;justify-content:center}
  .hero-proof-item{padding:14px 16px;border-radius:18px;gap:4px}
  .hero-proof-title{font-size:18px;line-height:1.2}
  .hero-proof-text{font-size:15px;line-height:1.55}
}

/* v40 poradniki expanded */
.guide-card--article{display:block}
.guide-card--article h3{margin:22px 0 10px;font-size:20px;line-height:1.25;color:var(--primary)}
.guide-card--article p{line-height:1.82}
.guide-note{margin:18px 0;padding:16px 18px;border-radius:18px;background:linear-gradient(180deg,#f7fbff 0%,#eef5ff 100%);border:1px solid rgba(189,207,232,.8);color:var(--text)}
.guide-note strong{color:var(--primary)}
.guide-checklist{margin:14px 0 16px;padding:0;list-style:none;display:grid;gap:10px}
.guide-checklist li{position:relative;padding-left:24px;color:var(--text);line-height:1.7}
.guide-checklist li::before{content:"";position:absolute;left:0;top:.72em;width:8px;height:8px;border-radius:999px;background:linear-gradient(180deg,#bea45a 0%,#8f7a3f 100%);box-shadow:0 0 0 4px rgba(190,164,90,.12)}
@media (max-width:640px){
  .guide-card--article h3{font-size:18px}
  .guide-note{padding:14px 15px;border-radius:16px}
  .guide-checklist li{padding-left:20px}
}



/* FAQ page refresh */
.faq-hero-grid{align-items:stretch}
.faq-page .hero-panel{min-height:100%}
.faq-chip-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:20px}
.faq-chip-row a{display:inline-flex;align-items:center;justify-content:center;padding:11px 16px;border-radius:999px;background:#f6faff;border:1px solid #d8e4f4;color:var(--primary);font-weight:800;font-size:14px;text-decoration:none;transition:transform .18s ease, box-shadow .18s ease, border-color .18s ease}
.faq-chip-row a:hover{transform:translateY(-1px);border-color:#c3d4ea;box-shadow:0 10px 22px rgba(16,44,87,.07)}
.faq-side-stack .info-card h3,.faq-contact-grid .info-card h3{margin-bottom:10px}
.faq-contact-card .btn{margin-top:10px}
.btn-block{width:100%;justify-content:center}
.section-tight{padding-top:12px}
.faq-quick-grid{align-items:stretch}
.faq-wrap-spaced{margin-top:20px}
.faq-item{scroll-margin-top:110px}
.faq-item summary{list-style:none;display:flex;align-items:center;justify-content:space-between;gap:18px}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:'+';display:inline-flex;align-items:center;justify-content:center;width:32px;height:32px;min-width:32px;border-radius:999px;background:#f5f9ff;border:1px solid #d8e4f4;color:var(--primary);font-size:22px;font-weight:500;line-height:1;transition:transform .18s ease, background .18s ease}
.faq-item[open] summary::after{content:'–';background:#eef4ff}
.faq-item p{margin-top:0;padding-right:10px}
.faq-split{align-items:stretch}
.faq-contact-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.faq-cta-band{margin-top:22px}
@media (max-width:1080px){
  .faq-contact-grid{grid-template-columns:1fr}
}
@media (max-width:640px){
  .faq-chip-row{display:grid;grid-template-columns:1fr 1fr;gap:10px}
  .faq-chip-row a{justify-content:center;text-align:center;padding:10px 12px;font-size:13px}
  .faq-item{padding:2px 18px}
  .faq-item summary{padding:16px 0;font-size:16px;line-height:1.45}
  .faq-item summary::after{width:28px;height:28px;min-width:28px;font-size:20px}
}