/* =========================================================
   Loan Select Cairns — shared stylesheet
   Brand: navy + gold (matches logo)
   ========================================================= */
:root{
  --navy:#1F2A5C;
  --navy-700:#2A3670;
  --navy-600:#364588;
  --gold:#BFA15A;
  --gold-deep:#9A7E3C;
  --ivory:#F7F4EC;
  --sand:#EFE9DB;
  --paper:#FFFFFF;
  --ink:#1B201D;
  --ink-soft:#525a54;
  --line:#E0D9C8;

  --font-display:"Fraunces",Georgia,serif;
  --font-body:"Hanken Grotesk",-apple-system,system-ui,sans-serif;
  --font-mono:"IBM Plex Mono",ui-monospace,monospace;
  --maxw:1140px;
  --radius:14px;
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:var(--font-body);
  color:var(--ink);
  background:var(--ivory);
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
.container{max-width:var(--maxw);margin:0 auto;padding:0 28px}

/* ---- type helpers ---- */
.eyebrow{
  font-family:var(--font-mono);font-size:12px;letter-spacing:.22em;
  text-transform:uppercase;color:var(--gold-deep);font-weight:500;
  display:inline-flex;align-items:center;gap:10px;
}
.eyebrow::before{content:"";width:26px;height:1px;background:var(--gold)}
.on-dark .eyebrow{color:var(--gold)}
h1,h2,h3{font-family:var(--font-display);font-weight:500;line-height:1.08;letter-spacing:-.01em;color:var(--navy)}
h1{font-size:clamp(2.4rem,6vw,4rem)}
h2{font-size:clamp(1.9rem,4vw,2.9rem)}
h3{font-size:1.3rem}
p{color:var(--ink-soft)}
.lead{font-size:1.15rem;color:var(--ink-soft);max-width:54ch}
.on-dark{color:#EFEBDF}
.on-dark h1,.on-dark h2,.on-dark h3{color:#fff}
.on-dark p{color:rgba(239,235,223,.78)}

/* ---- buttons ---- */
.btn{
  display:inline-flex;align-items:center;gap:9px;font-family:var(--font-body);
  font-weight:500;font-size:.95rem;padding:13px 24px;border-radius:999px;
  cursor:pointer;border:1px solid transparent;
  transition:transform .15s ease,background .15s ease,color .15s ease,border-color .15s ease;
}
.btn:active{transform:translateY(1px)}
.btn-gold{background:var(--gold);color:#23200f}
.btn-gold:hover{background:var(--gold-deep);color:#fff}
.btn-ghost{background:transparent;border-color:rgba(255,255,255,.4);color:#fff}
.btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.btn-dark{background:var(--navy);color:#fff}
.btn-dark:hover{background:var(--navy-600)}
.btn-line{background:transparent;border-color:var(--line);color:var(--ink)}
.btn-line:hover{border-color:var(--gold);color:var(--gold-deep)}

/* ---- header ---- */
.topline{background:var(--navy);color:rgba(239,235,223,.85);font-size:.8rem;font-family:var(--font-mono);letter-spacing:.04em}
.topline .container{display:flex;justify-content:space-between;gap:16px;padding-top:8px;padding-bottom:8px;flex-wrap:wrap}
.topline a:hover{color:var(--gold)}
header.site{position:sticky;top:0;z-index:50;background:rgba(247,244,236,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 0;gap:20px}
.brand{display:flex;align-items:center;gap:12px}
.brand img{width:48px;height:48px;object-fit:contain}
.brand .name{font-family:var(--font-display);font-size:1.3rem;font-weight:600;line-height:1;color:var(--navy);display:block}
.brand .sub{font-family:var(--font-mono);font-size:.62rem;letter-spacing:.32em;color:var(--gold-deep);text-transform:uppercase;display:block;margin-top:4px}
.menu{display:flex;align-items:center;gap:30px}
.menu a{font-size:.92rem;font-weight:500;color:var(--ink);position:relative;padding:4px 0}
.menu a.active{color:var(--navy)}
.menu a.active::after{content:"";position:absolute;left:0;right:0;bottom:-2px;height:2px;background:var(--gold)}
.menu a:hover{color:var(--navy-600)}
.nav-cta{display:flex;align-items:center;gap:14px}
.hamburger{display:none;background:none;border:1px solid var(--line);border-radius:10px;width:44px;height:44px;align-items:center;justify-content:center;cursor:pointer;color:var(--navy)}
.hamburger svg{width:22px;height:22px}

/* ---- hero ---- */
.hero{
  position:relative;
  overflow:hidden;
  background:
    linear-gradient(115deg, rgba(31,42,92,.94) 0%, rgba(31,42,92,.82) 55%, rgba(42,54,112,.72) 100%),
    url("images/hero_background.png") center/cover no-repeat,
    var(--navy);
}
.hero::before{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;border:1px solid rgba(191,161,90,.25)}
.hero::after{content:"";position:absolute;right:-40px;bottom:-200px;width:520px;height:520px;border-radius:50%;border:1px solid rgba(191,161,90,.12)}
.hero .container{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:50px;align-items:center;padding-top:84px;padding-bottom:90px}
.hero h1{margin:18px 0 20px}
.hero h1 em{font-style:italic;color:var(--gold)}
.hero .actions{display:flex;gap:14px;margin-top:34px;flex-wrap:wrap}
.hero-card{background:rgba(255,255,255,.05);border:1px solid rgba(191,161,90,.3);border-radius:var(--radius);padding:26px;backdrop-filter:blur(4px)}
.hero-card .rc-title{font-family:var(--font-mono);font-size:.72rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-bottom:18px}
.rc-row{display:flex;justify-content:space-between;align-items:baseline;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.1)}
.rc-row:last-child{border-bottom:none}
.rc-row .lbl{color:rgba(239,235,223,.8);font-size:.9rem}
.rc-row .val{font-family:var(--font-mono);color:#fff;font-size:1.05rem}
.rc-row .val small{color:var(--gold);font-size:.7rem}
.rc-note{margin-top:14px;font-size:.72rem;color:rgba(239,235,223,.5);font-family:var(--font-mono)}

.hero-simple{padding:0}
.hero-simple .container{grid-template-columns:1fr;padding-top:70px;padding-bottom:60px}

/* ---- generic section ---- */
section.block{padding:84px 0}
.block-head{max-width:58ch}
.block-head h2{margin:14px 0 16px}

/* ---- stats band ---- */
.stats{background:var(--sand);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.stats .container{display:grid;grid-template-columns:repeat(4,1fr);gap:0;padding-top:44px;padding-bottom:44px}
.stat{padding:0 28px;border-left:1px solid var(--line)}
.stat:first-child{border-left:none;padding-left:0}
.stat .num{font-family:var(--font-display);font-size:2.6rem;color:var(--navy);line-height:1}
.stat .cap{font-family:var(--font-mono);font-size:.74rem;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-soft);margin-top:8px}

/* ---- cards ---- */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:22px;margin-top:46px}
.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:30px;transition:transform .2s ease,box-shadow .2s ease;display:flex;flex-direction:column}
.card:hover{transform:translateY(-4px);box-shadow:0 18px 40px -24px rgba(31,42,92,.4)}
.card .ic{width:46px;height:46px;border-radius:12px;background:var(--sand);color:var(--navy);display:flex;align-items:center;justify-content:center;margin-bottom:18px}
.card .ic svg{width:24px;height:24px}
.card h3{margin-bottom:8px}
.card p{font-size:.95rem}
.card a.more{margin-top:auto;padding-top:18px;font-family:var(--font-mono);font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-deep)}
.card a.more:hover{color:var(--navy)}

/* ---- process ---- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:46px;counter-reset:step}
.step{position:relative;padding-top:30px;border-top:2px solid var(--gold)}
.step .no{font-family:var(--font-mono);font-size:.8rem;color:var(--gold-deep);letter-spacing:.1em}
.step h3{font-size:1.15rem;margin:8px 0 8px}
.step p{font-size:.92rem}

/* ---- profile ---- */
.profile{background:var(--navy);border-radius:20px;overflow:hidden;display:grid;grid-template-columns:.8fr 1.2fr}
.profile .photo{background:var(--navy-700) center/cover no-repeat;display:flex;align-items:center;justify-content:center;padding:50px;min-height:320px}
.profile .photo.bg-office{background-image:linear-gradient(180deg,rgba(31,42,92,.15),rgba(31,42,92,.55)),url("images/front-of-office.jpg")}
.profile .photo.bg-desk{background-image:linear-gradient(180deg,rgba(31,42,92,.18),rgba(31,42,92,.55)),url("images/office-table.png")}
.avatar{width:150px;height:150px;border-radius:50%;background:var(--gold);color:var(--navy);display:flex;align-items:center;justify-content:center;font-family:var(--font-display);font-size:3rem;font-weight:600;border:3px solid rgba(255,255,255,.25)}
.profile .body{padding:54px}
.profile .body blockquote{font-family:var(--font-display);font-size:1.45rem;line-height:1.4;color:#fff;font-style:italic;margin:18px 0 22px}
.profile .sig{font-family:var(--font-mono);font-size:.8rem;letter-spacing:.08em;color:var(--gold)}

/* ---- calculator (inline estimator) ---- */
.calc{background:var(--paper);border:1px solid var(--line);border-radius:20px;padding:40px;box-shadow:0 30px 60px -40px rgba(31,42,92,.45);max-width:760px;margin:46px auto 0}
.calc-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:center}
.field{margin-bottom:24px}
.field .frow{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:8px}
.field label{font-size:.9rem;font-weight:500;color:var(--ink)}
.field output{font-family:var(--font-mono);font-size:1rem;color:var(--navy);font-weight:500}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:5px;border-radius:3px;background:var(--sand);outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--navy);border:3px solid var(--gold);cursor:pointer}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--navy);border:3px solid var(--gold);cursor:pointer}
input[type=range]:focus-visible{box-shadow:0 0 0 3px rgba(191,161,90,.4)}
.calc-result{background:var(--navy);border-radius:var(--radius);padding:30px;text-align:center;color:#fff}
.calc-result .rl{font-family:var(--font-mono);font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold)}
.calc-result .rv{font-family:var(--font-display);font-size:3rem;margin:6px 0 2px;color:#fff}
.calc-result .rs{font-size:.82rem;color:rgba(239,235,223,.7)}

/* ---- calculator index (links to 27 sub-calculators) ---- */
.calc-index{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:14px;margin-top:46px}
.calc-link{display:flex;align-items:center;gap:14px;background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:18px 20px;color:var(--ink);font-weight:500;font-size:.95rem;transition:border-color .15s ease,transform .15s ease,box-shadow .15s ease}
.calc-link:hover{border-color:var(--gold);transform:translateY(-2px);box-shadow:0 14px 28px -22px rgba(31,42,92,.4)}
.calc-link::after{content:"→";margin-left:auto;color:var(--gold-deep);font-family:var(--font-mono)}
.calc-link .pip{width:8px;height:8px;border-radius:50%;background:var(--gold);flex:none}

/* ---- calculator subpage (iframe wrapper) ---- */
.calc-page{padding:60px 0 84px}
.calc-page .wrap{background:var(--paper);border:1px solid var(--line);border-radius:20px;padding:36px;box-shadow:0 30px 60px -40px rgba(31,42,92,.35)}
.calc-page .wrap h1{margin-bottom:10px}
.calc-page .wrap .lead{margin-bottom:24px}
.calc-page iframe.VisiCalcClass{width:100%;min-height:780px;border:none;background:var(--ivory);border-radius:var(--radius)}
.calc-page .backlink{display:inline-flex;align-items:center;gap:8px;margin-top:24px;font-family:var(--font-mono);font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-deep)}
.calc-page .backlink:hover{color:var(--navy)}

/* ---- testimonial slideshow ---- */
.quote-band{background:var(--sand);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.quote-band .container{padding-top:70px;padding-bottom:70px;text-align:center}
.testimonials{max-width:720px;margin:28px auto 0;position:relative}
.testimonials-stage{display:grid;grid-template-areas:"stage";min-height:280px}
.testimonials-stage .quote{grid-area:stage;display:flex;flex-direction:column;align-items:center;justify-content:center;opacity:0;visibility:hidden;transition:opacity .55s ease,visibility .55s ease}
.testimonials-stage .quote.is-active{opacity:1;visibility:visible}
.testimonials-stage blockquote{font-family:var(--font-display);font-size:clamp(1.3rem,2.2vw,1.75rem);line-height:1.4;color:var(--navy);max-width:46ch;margin:0 auto;font-style:italic;font-weight:400}
.testimonials-stage .who{font-family:var(--font-mono);font-size:.78rem;letter-spacing:.16em;color:var(--gold-deep);text-transform:uppercase;margin-top:22px}
.testimonials-bar{height:2px;background:rgba(31,42,92,.10);margin:36px auto 0;max-width:240px;overflow:hidden}
.testimonials-bar-fill{display:block;height:100%;width:0;background:var(--gold)}
.testimonials.is-playing .testimonials-bar-fill{animation:t-progress 9s linear forwards}
.testimonials.is-paused .testimonials-bar-fill{animation-play-state:paused}
@keyframes t-progress{from{width:0%}to{width:100%}}
.testimonials-controls{display:flex;align-items:center;justify-content:center;gap:22px;margin-top:14px}
.t-btn{width:38px;height:38px;border-radius:50%;border:1px solid rgba(31,42,92,.18);background:transparent;color:var(--navy);display:inline-flex;align-items:center;justify-content:center;cursor:pointer;transition:border-color .15s ease,color .15s ease,background .15s ease}
.t-btn:hover{border-color:var(--gold);color:var(--gold-deep);background:rgba(191,161,90,.06)}
.t-btn svg{width:14px;height:14px}
.t-pager{font-family:var(--font-mono);font-size:.78rem;letter-spacing:.16em;color:var(--ink-soft);min-width:70px;text-align:center}
.t-pager .t-now{color:var(--navy)}
.t-pager .t-sep{margin:0 4px;opacity:.5}
@media(max-width:680px){
  .testimonials-stage{min-height:340px}
  .testimonials-bar{max-width:180px;margin-top:28px}
}

/* ---- contact / form ---- */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:50px;margin-top:46px}
.info-row{display:flex;gap:16px;padding:20px 0;border-bottom:1px solid var(--line)}
.info-row svg{width:22px;height:22px;color:var(--gold-deep);flex:none;margin-top:3px}
.info-row .k{font-family:var(--font-mono);font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-soft)}
.info-row .v{font-size:1.05rem;color:var(--ink)}
.form{background:var(--paper);border:1px solid var(--line);border-radius:20px;padding:34px}
.form label{display:block;font-size:.82rem;font-weight:500;margin:16px 0 6px;color:var(--ink)}
.form input,.form select,.form textarea{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:10px;font-family:var(--font-body);font-size:.95rem;background:var(--ivory);color:var(--ink)}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(191,161,90,.18)}
.form .btn{margin-top:22px;width:100%;justify-content:center}

/* ---- list with ticks ---- */
.ticks{list-style:none;margin-top:24px}
.ticks li{display:flex;gap:12px;padding:9px 0;color:var(--ink-soft)}
.ticks li svg{width:20px;height:20px;color:var(--gold-deep);flex:none;margin-top:3px}

/* ---- two-col intro ---- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:54px;align-items:center}
.media{background:var(--navy-700);border-radius:20px;min-height:380px;position:relative;overflow:hidden;display:flex;align-items:flex-end;padding:34px;color:#fff}
.media::before{content:"";position:absolute;inset:0;background:repeating-linear-gradient(135deg,rgba(191,161,90,.06) 0 22px,transparent 22px 44px)}
.media.bg-office{background:var(--navy-700) center/cover no-repeat;background-image:linear-gradient(180deg,rgba(31,42,92,.55),rgba(31,42,92,.75)),url("images/front-of-office.jpg")}
.media.bg-gifts{background:var(--navy-700) center/cover no-repeat;background-image:linear-gradient(180deg,rgba(31,42,92,.55),rgba(31,42,92,.78)),url("images/client-gifts.jpg")}
.media .tag{position:relative;font-family:var(--font-mono);font-size:.78rem;letter-spacing:.1em;color:var(--gold);text-transform:uppercase}
.media .big{position:relative;font-family:var(--font-display);font-size:2rem;color:#fff;margin-top:6px;line-height:1.15}

/* ---- news / coming soon ---- */
.placeholder{background:var(--paper);border:1px solid var(--line);border-radius:20px;padding:60px 40px;text-align:center;margin-top:46px}
.placeholder img{width:120px;margin:0 auto 22px}
.placeholder h2{margin-bottom:10px}
.placeholder p{max-width:42ch;margin:0 auto}

/* ---- footer ---- */
footer.site{background:var(--navy);color:rgba(239,235,223,.7);padding:64px 0 30px;font-size:.9rem}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px}
footer.site .brand .name{color:#fff}
footer.site h4{font-family:var(--font-mono);font-size:.74rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-bottom:18px;font-weight:500}
footer.site a:hover{color:var(--gold)}
footer.site .links a{display:block;padding:5px 0}
.socials{display:flex;gap:14px;margin-top:18px}
.socials a{width:36px;height:36px;border-radius:50%;border:1px solid rgba(255,255,255,.18);display:inline-flex;align-items:center;justify-content:center;color:#fff;transition:border-color .15s ease,background .15s ease}
.socials a:hover{border-color:var(--gold);background:rgba(191,161,90,.12);color:var(--gold)}
.socials svg{width:16px;height:16px}
.foot-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:48px;padding-top:24px;font-size:.76rem;color:rgba(239,235,223,.45);display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-family:var(--font-mono)}

/* ---- mobile ---- */
@media(max-width:920px){
  .hero .container{grid-template-columns:1fr;gap:34px;padding-top:56px;padding-bottom:64px}
  .profile{grid-template-columns:1fr}
  .calc-grid{grid-template-columns:1fr;gap:26px}
  .contact-grid,.split{grid-template-columns:1fr;gap:34px}
  .steps{grid-template-columns:1fr 1fr}
  .stats .container{grid-template-columns:1fr 1fr;gap:28px 0}
  .stat{border-left:none;padding-left:0}
  .foot-grid{grid-template-columns:1fr;gap:32px}
}
@media(max-width:680px){
  .container{padding:0 20px}
  .menu{position:fixed;inset:0 0 0 auto;width:78%;max-width:320px;background:var(--ivory);flex-direction:column;align-items:flex-start;gap:6px;padding:90px 28px 28px;transform:translateX(100%);transition:transform .3s ease;box-shadow:-20px 0 50px -30px rgba(0,0,0,.5);z-index:60}
  .menu.open{transform:translateX(0)}
  .menu a{font-size:1.15rem;padding:12px 0;width:100%;border-bottom:1px solid var(--line);font-family:var(--font-display)}
  .menu a.active::after{display:none}
  .hamburger{display:flex}
  .nav-cta .btn{display:none}
  .topline{font-size:.7rem}
  .steps{grid-template-columns:1fr}
  .stats .container{grid-template-columns:1fr 1fr}
  .calc{padding:26px}
  section.block{padding:60px 0}
  .profile .body,.form{padding:28px}
  .calc-page .wrap{padding:24px}
  .calc-page iframe.VisiCalcClass{min-height:1100px}
}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto}}
.scrim{display:none;position:fixed;inset:0;background:rgba(31,42,92,.4);z-index:55}
.scrim.show{display:block}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}