*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { overflow-x: hidden; max-width: 100vw; scroll-behavior: smooth; }

:root {
  --black: #111010;
  --white: #FAFAF8;
  --warm-white: #F5F3EF;
  --gold: #B8965A;
  --gold-light: #D4AF7A;
  --silver: #9A9A96;
  --silver-light: #CBCBC7;
  --font-display: 'Playfair Display', serif;
  --font-body: 'Cormorant Garamond', serif;
  --font-label: 'Montserrat', sans-serif;
}

body {
  background: var(--white);
  color: var(--black);
  font-family: var(--font-body);
  font-size: 18px;
  line-height: 1.7;
  overflow-x: hidden;
}

/* ─── GRAIN OVERLAY ─── */
body::before {
  content: '';
  position: fixed;
  inset: 0;
  pointer-events: none;
  z-index: 9999;
  opacity: 0.028;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='300' height='300'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.82' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='300' height='300' filter='url(%23n)'/%3E%3C/svg%3E");
}

/* ─── NAV ─── */
.site-nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: rgba(250,250,248,0.97);
  backdrop-filter: blur(20px) saturate(1.4);
  -webkit-backdrop-filter: blur(20px) saturate(1.4);
  border-bottom: 1px solid rgba(0,0,0,0.06);
  padding: 0 48px;
  height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 14px;
  text-decoration: none;
  color: var(--black);
  flex-shrink: 0;
}

.nav-logo-img {
  height: 38px;
  width: auto;
  border-radius: 4px;
}

.nav-name {
  font-family: var(--font-label);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  color: var(--black);
  line-height: 1.3;
}

.nav-right {
  display: flex;
  align-items: center;
  gap: 32px;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
  list-style: none;
}

.nav-links a {
  font-family: var(--font-label);
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  text-decoration: none;
  color: var(--black);
  transition: color 0.3s;
}
.nav-links a:hover { color: var(--gold); }

.nav-phone {
  font-family: var(--font-label);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.1em;
  color: var(--black) !important;
  text-decoration: none;
  border-left: 1px solid var(--silver-light);
  padding-left: 32px;
}

.nav-cta {
  font-family: var(--font-label);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  text-decoration: none;
  color: var(--black) !important;
  background: var(--gold);
  padding: 12px 24px;
  transition: background 0.3s !important;
  flex-shrink: 0;
}
.nav-cta:hover { background: var(--gold-light) !important; }

.nav-has-dropdown {
  position: relative;
}
.nav-dropdown-caret {
  font-size: 9px;
  margin-left: 4px;
  opacity: 0.5;
  display: inline-block;
  transition: transform 0.2s;
  vertical-align: middle;
}
.nav-has-dropdown:hover .nav-dropdown-caret { transform: rotate(180deg); opacity: 0.9; }
.nav-dropdown {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%);
  background: rgba(250,250,248,0.97);
  backdrop-filter: blur(20px) saturate(1.4);
  -webkit-backdrop-filter: blur(20px) saturate(1.4);
  border: 1px solid rgba(0,0,0,0.08);
  list-style: none;
  padding: 14px 0 6px;
  min-width: 200px;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.18s, visibility 0.18s;
  pointer-events: none;
}
.nav-has-dropdown:hover .nav-dropdown {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
}
.nav-dropdown li a {
  display: block;
  padding: 12px 22px;
  white-space: nowrap;
  font-size: 9px;
  letter-spacing: 0.2em;
  color: var(--silver);
  transition: color 0.2s, background 0.2s;
}
.nav-dropdown li a:hover {
  color: var(--black);
  background: rgba(0,0,0,0.02);
}

/* ─── HERO (SPLIT SCREEN) ─── */
.hero {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-height: 100vh;
  padding-top: 72px;
}

.hero-left {
  padding: 80px 64px 80px 64px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  background: var(--white);
}

.hero-eyebrow {
  font-family: var(--font-label);
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.35em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 28px;
  animation: fadeUp 0.8s ease both;
}

.hero-headline {
  font-family: var(--font-display);
  font-size: clamp(36px, 4.5vw, 64px);
  font-weight: 700;
  line-height: 1.1;
  color: var(--black);
  margin-bottom: 32px;
  animation: fadeUp 0.8s ease 0.1s both;
}

.hero-headline em {
  font-weight: 400;
  font-style: italic;
  color: var(--gold);
}

.hero-subtext {
  font-family: var(--font-body);
  font-size: 20px;
  font-weight: 300;
  color: rgba(17,16,16,0.62);
  line-height: 1.7;
  max-width: 460px;
  margin-bottom: 40px;
  animation: fadeUp 0.8s ease 0.2s both;
}

.hero-trust {
  display: flex;
  align-items: center;
  gap: 20px;
  margin-bottom: 40px;
  animation: fadeUp 0.8s ease 0.3s both;
  flex-wrap: wrap;
}

.trust-badge {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.trust-badge-name {
  font-family: var(--font-label);
  font-size: 9px;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--black);
}

.trust-badge-sub {
  font-family: var(--font-label);
  font-size: 8px;
  letter-spacing: 0.15em;
  color: rgba(17,16,16,0.45);
  text-transform: uppercase;
}

.trust-sep {
  width: 1px;
  height: 28px;
  background: var(--silver-light);
  flex-shrink: 0;
}

.hero-actions {
  display: flex;
  gap: 16px;
  align-items: center;
  margin-bottom: 36px;
  animation: fadeUp 0.8s ease 0.4s both;
}

.btn-gold {
  font-family: var(--font-label);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  text-decoration: none;
  color: var(--black);
  background: var(--gold);
  padding: 18px 40px;
  display: inline-block;
  transition: background 0.3s ease;
  border: 1px solid var(--gold);
}
.btn-gold:hover { background: var(--gold-light); border-color: var(--gold-light); }

.btn-outline {
  font-family: var(--font-label);
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  text-decoration: none;
  color: var(--black);
  padding: 18px 40px;
  display: inline-block;
  border: 1px solid rgba(0,0,0,0.22);
  transition: border-color 0.3s ease;
}
.btn-outline:hover { border-color: var(--black); }

.hero-selector {
  display: flex;
  flex-direction: column;
  gap: 8px;
  animation: fadeUp 0.8s ease 0.5s both;
}

.hero-selector-label {
  font-family: var(--font-label);
  font-size: 9px;
  font-weight: 500;
  letter-spacing: 0.3em;
  text-transform: uppercase;
  color: rgba(17,16,16,0.45);
  margin-bottom: 4px;
}

.hero-selector-item {
  font-family: var(--font-label);
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  text-decoration: none;
  color: var(--black);
  border: 1px solid rgba(0,0,0,0.10);
  padding: 14px 20px 14px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  transition: border-color 0.3s, color 0.3s, background 0.3s;
  background: rgba(250,250,248,0.8);
}

.hero-selector-item:hover {
  border-color: var(--gold);
  color: var(--gold);
  background: rgba(184,150,90,0.04);
}

.hero-selector-arrow {
  display: inline-block;
  transition: transform 0.3s;
  flex-shrink: 0;
}

.hero-selector-item:hover .hero-selector-arrow {
  transform: translateX(5px);
}

.hero-right {
  background: var(--black);
  background-image: url('images/sam-portrait-flipped.jpg');
  background-size: cover;
  background-position: center top;
  position: relative;
  overflow: hidden;
  display: flex;
  align-items: flex-end;
  justify-content: flex-start;
}

.hero-right::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to top,
    rgba(0,0,0,0.86) 0%,
    rgba(0,0,0,0.32) 38%,
    rgba(0,0,0,0.10) 100%
  );
  z-index: 0;
}

.hero-right > * { position: relative; z-index: 1; }

.hero-caption {
  padding: 36px 40px;
  width: 100%;
}

.hero-caption-name {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 400;
  font-style: italic;
  color: var(--white);
  display: block;
  margin-bottom: 6px;
}

.hero-caption-title {
  font-family: var(--font-label);
  font-size: 9px;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--gold);
  display: block;
}

/* ─── LENDER MARQUEE ─── */
.lenders-marquee {
  background: var(--black);
  padding: 28px 0;
  overflow: hidden;
  border-top: 1px solid rgba(255,255,255,0.04);
}

.lenders-marquee-label {
  font-family: var(--font-label);
  font-size: 9px;
  font-weight: 500;
  letter-spacing: 0.3em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.22);
  text-align: center;
  margin-bottom: 20px;
}

.marquee-track-wrap {
  overflow: hidden;
  max-width: 100vw;
  mask-image: linear-gradient(to right, transparent, black 8%, black 92%, transparent);
}

.marquee-track {
  display: flex;
  width: max-content;
  animation: marquee 30s linear infinite;
}

.marquee-track:hover { animation-play-state: paused; }

.marquee-inner {
  display: flex;
  align-items: center;
  gap: 0;
}

.marquee-item {
  font-family: var(--font-label);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.28);
  padding: 0 40px;
  border-right: 1px solid rgba(255,255,255,0.07);
  white-space: nowrap;
  transition: color 0.3s;
  display: flex;
  align-items: center;
}

.marquee-item:hover { color: rgba(255,255,255,0.55); }

.marquee-logo {
  height: 20px;
  width: auto;
  max-width: 88px;
  filter: grayscale(1) brightness(10) saturate(0);
  opacity: 0.28;
  display: block;
  transition: opacity 0.3s;
}

.marquee-item:hover .marquee-logo { opacity: 0.6; }
.marquee-logo-lg { height: 32px; max-width: 120px; }

@keyframes marquee {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* ─── SECTION BASE ─── */
section { padding: 120px 80px; }

.section-inner {
  max-width: 1100px;
  margin: 0 auto;
}

.section-eyebrow {
  font-family: var(--font-label);
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.35em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
  display: block;
}

.section-title {
  font-family: var(--font-display);
  font-size: clamp(32px, 4vw, 52px);
  font-weight: 700;
  line-height: 1.1;
  color: var(--black);
  margin-bottom: 24px;
}

.section-title em { font-style: italic; font-weight: 400; }

.section-rule {
  width: 48px;
  height: 1px;
  background: var(--gold);
  margin: 24px 0 40px;
}

.section-rule-center { margin-left: auto; margin-right: auto; }

/* ─── WHO I HELP ─── */
.niches {
  background: var(--black);
  background-image: url('images/niches-bg.jpg');
  background-size: cover;
  background-position: center 40%;
  position: relative;
}

.niches::before {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(17,16,16,0.72);
  z-index: 0;
}

.niches > * { position: relative; z-index: 1; }

.niches .section-title { color: var(--white); }
.niches .section-eyebrow { color: var(--gold); }

.niches-header { max-width: 560px; margin-bottom: 64px; }

.niches-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2px;
}

.niche-card {
  background: rgba(250,250,248,0.96);
  padding: 48px 40px;
  position: relative;
  border-top: 2px solid transparent;
  transition: border-color 0.3s, background 0.3s;
}

.niche-card:hover {
  border-top-color: var(--gold);
  background: var(--white);
}

.niche-num {
  font-family: var(--font-display);
  font-size: 44px;
  font-weight: 900;
  color: rgba(17,16,16,0.14);
  line-height: 1;
  display: block;
  margin-bottom: 20px;
}

.niche-title {
  font-family: var(--font-display);
  font-size: 24px;
  font-weight: 700;
  color: var(--black);
  margin-bottom: 16px;
  line-height: 1.2;
}

.niche-desc {
  font-family: var(--font-body);
  font-size: 17px;
  font-weight: 300;
  color: rgba(17,16,16,0.62);
  line-height: 1.75;
  margin-bottom: 32px;
}

.niche-cta {
  font-family: var(--font-label);
  font-size: 9px;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  text-decoration: none;
  color: var(--gold);
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: gap 0.3s;
}

.niche-cta:hover { gap: 14px; }

/* ─── SERVICES ─── */
.services-v2 { background: var(--white); }

.services-v2-header {
  max-width: 560px;
  margin-bottom: 72px;
}

.service-row {
  display: grid;
  grid-template-columns: 80px 1fr auto;
  gap: 48px;
  align-items: center;
  padding: 52px 0;
  border-top: 1px solid rgba(0,0,0,0.07);
  transition: background 0.3s;
}

.service-row:last-child { border-bottom: 1px solid rgba(0,0,0,0.07); }

.service-row-num {
  font-family: var(--font-display);
  font-size: 48px;
  font-weight: 900;
  color: rgba(17,16,16,0.15);
  line-height: 1;
  flex-shrink: 0;
}

.service-row-name {
  font-family: var(--font-display);
  font-size: 30px;
  font-weight: 700;
  color: var(--black);
  margin-bottom: 12px;
}

.service-row-desc {
  font-family: var(--font-body);
  font-size: 18px;
  font-weight: 300;
  color: rgba(17,16,16,0.62);
  line-height: 1.7;
  max-width: 540px;
}

.service-row-cta {
  font-family: var(--font-label);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  text-decoration: none;
  color: var(--black);
  border: 1px solid rgba(0,0,0,0.14);
  padding: 14px 28px;
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
  transition: border-color 0.3s, color 0.3s;
  white-space: nowrap;
}

.service-row-cta span { transition: transform 0.3s; display: inline-block; }
.service-row-cta:hover { border-color: var(--gold); color: var(--gold); }
.service-row-cta:hover span { transform: translateX(4px); }

.service-row-learn {
  font-family: var(--font-label);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  text-decoration: none;
  color: var(--gold);
  display: inline-block;
  margin-top: 14px;
  transition: opacity 0.2s;
}
.service-row-learn:hover { opacity: 0.7; }

/* ─── PROCESS ─── */
.process {
  background: var(--warm-white);
  border-top: 1px solid rgba(0,0,0,0.06);
}

.process-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.process-left-desc {
  font-family: var(--font-body);
  font-size: 19px;
  font-weight: 300;
  color: rgba(17,16,16,0.62);
  line-height: 1.7;
  margin: 24px 0 40px;
  max-width: 420px;
}

.process-card {
  background: var(--black);
  padding: 48px 44px;
}

.process-card-label {
  font-family: var(--font-label);
  font-size: 9px;
  font-weight: 500;
  letter-spacing: 0.3em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.22);
  margin-bottom: 40px;
  display: block;
}

.timeline { display: flex; flex-direction: column; }

.timeline-step { display: flex; gap: 20px; }

.timeline-indicator {
  display: flex;
  flex-direction: column;
  align-items: center;
  flex-shrink: 0;
  width: 12px;
}

.timeline-dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: rgba(255,255,255,0.18);
  flex-shrink: 0;
  margin-top: 3px;
}

.timeline-dot.active {
  background: var(--gold);
  animation: pulse-gold 2s ease-in-out infinite;
}

.timeline-line {
  width: 1px;
  flex: 1;
  min-height: 32px;
  background: rgba(255,255,255,0.08);
  margin: 8px 0;
}

.timeline-line.active { background: var(--gold); opacity: 0.4; }

.timeline-content { padding-bottom: 36px; flex: 1; }
.timeline-step:last-child .timeline-content { padding-bottom: 0; }

.timeline-step-title {
  font-family: var(--font-label);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
  margin-bottom: 14px;
  line-height: 1;
  padding-top: 2px;
}

.timeline-step-title.active { color: var(--gold); }

.timeline-substeps { display: flex; flex-direction: column; gap: 10px; }

.timeline-substep { display: flex; align-items: flex-start; gap: 10px; }

.timeline-subdot {
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: rgba(255,255,255,0.18);
  flex-shrink: 0;
  margin-top: 7px;
}

.timeline-substep-text {
  font-family: var(--font-body);
  font-size: 16px;
  font-weight: 300;
  color: rgba(255,255,255,0.6);
  line-height: 1.5;
}

@keyframes pulse-gold {
  0%   { transform: scale(1);   box-shadow: 0 0 0 0px  rgba(184,150,90,0.7); }
  70%  { transform: scale(1.3); box-shadow: 0 0 0 12px rgba(184,150,90,0);   }
  100% { transform: scale(1);   box-shadow: 0 0 0 0px  rgba(184,150,90,0);   }
}

/* ─── ABOUT ─── */
.about-v2 { background: var(--white); }

.about-v2-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 100px;
  align-items: stretch;
}

.about-v2-pullquote {
  font-family: var(--font-display);
  font-size: clamp(20px, 2.2vw, 27px);
  font-weight: 400;
  font-style: italic;
  color: var(--black);
  line-height: 1.5;
  margin-bottom: 48px;
  padding-left: 24px;
  border-left: 2px solid var(--gold);
}

.about-v2-metrics {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  margin-bottom: 48px;
}

.about-metric {
  padding: 28px 24px;
  border-right: 1px solid rgba(0,0,0,0.07);
}

.about-metric:first-child { padding-left: 0; }
.about-metric:last-child { border-right: none; }

.about-metric-num {
  font-family: var(--font-display);
  font-size: 38px;
  font-weight: 900;
  color: var(--black);
  line-height: 1;
  display: block;
}

.about-metric-label {
  font-family: var(--font-label);
  font-size: 9px;
  font-weight: 500;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: rgba(17,16,16,0.45);
  margin-top: 6px;
  display: block;
}

.about-v2-body {
  font-family: var(--font-body);
  font-size: 19px;
  font-weight: 300;
  color: rgba(17,16,16,0.65);
  line-height: 1.8;
  margin-bottom: 20px;
}

.about-v2-creds {
  margin-top: 36px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.about-cred {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px 0;
  border-bottom: 1px solid rgba(0,0,0,0.06);
}

.about-cred:last-child { border-bottom: none; }

.about-cred-line {
  width: 24px;
  height: 1px;
  background: var(--gold);
  flex-shrink: 0;
}

.about-cred-text {
  font-family: var(--font-label);
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: rgba(17,16,16,0.55);
}

.about-v2-right {
  position: relative;
  padding-top: 16px;
}

.about-v2-portrait {
  width: 100%;
  height: 100%;
  min-height: 500px;
  background: var(--warm-white);
  border: 1px solid rgba(0,0,0,0.07);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}

.about-v2-portrait::after {
  content: '';
  position: absolute;
  inset: 12px;
  border: 1px solid rgba(0,0,0,0.06);
  z-index: 1;
  pointer-events: none;
}

.about-portrait-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  display: block;
}

.about-v2-badge {
  position: absolute;
  bottom: 0;
  right: 0;
  background: var(--black);
  padding: 20px 24px;
  text-align: center;
  z-index: 10;
}

.about-v2-badge-num {
  font-family: var(--font-label);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.1em;
  color: var(--gold);
  display: block;
  line-height: 1.5;
}

.about-v2-badge-label {
  font-family: var(--font-label);
  font-size: 8px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.55);
  display: block;
  margin-top: 4px;
}

/* ─── CALCULATOR ─── */
.calculator-v2 {
  background: var(--warm-white);
  border-top: 1px solid rgba(0,0,0,0.06);
}

.calculator-v2 .section-title { color: var(--black); }
.calculator-v2 .section-eyebrow { color: var(--gold); }

.calc-v2-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
  margin-top: 64px;
}

.calc-v2-form { display: flex; flex-direction: column; gap: 28px; }

.calc-v2-field label {
  display: block;
  font-family: var(--font-label);
  font-size: 9px;
  font-weight: 500;
  letter-spacing: 0.3em;
  text-transform: uppercase;
  color: rgba(17,16,16,0.45);
  margin-bottom: 10px;
}

.calc-v2-field input,
.calc-v2-field select {
  width: 100%;
  background: var(--white);
  border: none;
  border-bottom: 1px solid rgba(0,0,0,0.14);
  color: var(--black);
  font-family: var(--font-body);
  font-size: 20px;
  font-weight: 300;
  padding: 14px 0;
  outline: none;
  transition: border-color 0.3s;
  appearance: none;
}

.calc-v2-field input:focus,
.calc-v2-field select:focus { border-bottom-color: var(--gold); }

.calc-v2-btn {
  font-family: var(--font-label);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  color: var(--black);
  background: var(--gold);
  border: none;
  padding: 20px 40px;
  cursor: pointer;
  transition: background 0.3s;
  width: 100%;
}
.calc-v2-btn:hover { background: var(--gold-light); }

.calc-v2-results {
  background: var(--black);
  padding: 56px 48px;
}

.calc-v2-result-label {
  font-family: var(--font-label);
  font-size: 9px;
  font-weight: 500;
  letter-spacing: 0.35em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  margin-bottom: 16px;
  display: block;
}

.calc-v2-result-value {
  font-family: var(--font-display);
  font-size: clamp(44px, 6vw, 68px);
  font-weight: 900;
  color: var(--gold);
  line-height: 1;
  display: block;
  margin-bottom: 8px;
}

.calc-v2-result-sub {
  font-family: var(--font-body);
  font-size: 15px;
  color: rgba(255,255,255,0.45);
  margin-bottom: 40px;
  display: block;
}

.calc-v2-details {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1px;
  background: rgba(255,255,255,0.05);
  margin-bottom: 24px;
}

.calc-v2-detail { background: var(--black); padding: 20px; }

.calc-v2-detail-label {
  font-family: var(--font-label);
  font-size: 8px;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  display: block;
  margin-bottom: 6px;
}

.calc-v2-detail-val {
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 700;
  color: var(--white);
  display: block;
}

.calc-v2-disclaimer {
  font-family: var(--font-label);
  font-size: 9px;
  letter-spacing: 0.1em;
  color: rgba(255,255,255,0.18);
  line-height: 1.6;
  margin-top: 16px;
}

.bp-range-row {
  display: flex;
  align-items: flex-end;
  gap: 16px;
  margin-bottom: 8px;
}

.bp-range-item { display: flex; flex-direction: column; }

.bp-range-item .calc-v2-result-value {
  font-size: clamp(28px, 4vw, 44px);
}

.bp-range-label {
  font-family: var(--font-label);
  font-size: 8px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  margin-top: 4px;
}

.bp-range-sep {
  font-family: var(--font-label);
  font-size: 10px;
  letter-spacing: 0.15em;
  color: rgba(255,255,255,0.25);
  text-transform: uppercase;
  padding-bottom: 12px;
}

.calc-lead-wrap {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 28px;
  margin-top: 28px;
  margin-bottom: 24px;
}

.calc-lead-text {
  font-family: var(--font-body);
  font-size: 17px;
  font-weight: 300;
  color: rgba(255,255,255,0.65);
  line-height: 1.65;
  margin-bottom: 20px;
}

.calc-lead-row {
  display: flex;
  gap: 0;
}

.calc-lead-row input[type="email"] {
  flex: 1;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-right: none;
  color: var(--white);
  font-family: var(--font-body);
  font-size: 17px;
  font-weight: 300;
  padding: 14px 20px;
  outline: none;
  transition: border-color 0.3s;
}

.calc-lead-row input[type="email"]::placeholder {
  color: rgba(255,255,255,0.3);
}

.calc-lead-row input[type="email"]:focus {
  border-color: var(--gold);
}

.calc-lead-btn {
  font-family: var(--font-label);
  font-size: 9px;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--black);
  background: var(--gold);
  border: none;
  padding: 14px 24px;
  cursor: pointer;
  transition: background 0.3s;
  white-space: nowrap;
  flex-shrink: 0;
}
.calc-lead-btn:hover { background: var(--gold-light); }

/* ─── TESTIMONIALS ─── */
.testimonials-v2 {
  background: var(--black);
  color: var(--white);
}

.testimonials-v2 .section-eyebrow { color: var(--gold); }
.testimonials-v2 .section-title { color: var(--white); }

.testimonials-v2-header { max-width: 680px; margin-bottom: 72px; }

.testimonial-featured {
  border: 1px solid rgba(255,255,255,0.07);
  padding: 64px 72px;
  margin-bottom: 2px;
  position: relative;
}

.testimonial-featured-quote {
  font-family: var(--font-display);
  font-size: 100px;
  font-weight: 900;
  color: var(--gold);
  opacity: 0.18;
  line-height: 0.7;
  margin-bottom: 32px;
  display: block;
}

.testimonial-featured-text {
  font-family: var(--font-body);
  font-size: clamp(20px, 2.5vw, 26px);
  font-weight: 400;
  font-style: italic;
  color: rgba(255,255,255,0.88);
  line-height: 1.6;
  margin-bottom: 40px;
  max-width: 780px;
}

.testimonial-featured-author {
  display: flex;
  align-items: center;
  gap: 20px;
}

.testimonial-featured-line {
  width: 32px;
  height: 1px;
  background: var(--gold);
}

.testimonial-featured-name {
  font-family: var(--font-label);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--white);
}

.testimonial-featured-detail {
  font-family: var(--font-label);
  font-size: 9px;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
}

.testimonial-featured-stars {
  margin-left: auto;
  color: var(--gold);
  font-size: 14px;
  letter-spacing: 3px;
}

.testimonials-v2-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2px;
}

.testimonial-sm {
  background: rgba(255,255,255,0.02);
  border: 1px solid rgba(255,255,255,0.05);
  padding: 48px 44px;
}

.testimonial-sm-text {
  font-family: var(--font-body);
  font-size: 19px;
  font-style: italic;
  color: rgba(255,255,255,0.72);
  line-height: 1.7;
  margin-bottom: 28px;
}

.testimonial-sm-name {
  font-family: var(--font-label);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--white);
}

.testimonial-sm-detail {
  font-family: var(--font-label);
  font-size: 9px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-top: 4px;
}

.testimonial-sm-stars {
  margin-top: 16px;
  color: var(--gold);
  font-size: 11px;
  letter-spacing: 2px;
}

/* ─── AUSTRALIA BAND ─── */
.australia-band {
  background: var(--warm-white);
  border-top: 1px solid rgba(0,0,0,0.06);
  border-bottom: 1px solid rgba(0,0,0,0.06);
  padding: 40px 48px;
  text-align: center;
}

.australia-text {
  font-family: var(--font-label);
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.35em;
  text-transform: uppercase;
  color: rgba(17,16,16,0.45);
}

.australia-highlight { color: var(--gold); }

/* ─── CONTACT ─── */
.contact-v2 {
  background: var(--black);
  padding: 120px 80px;
}

.contact-v2-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 100px;
  align-items: start;
}

.contact-v2-left .section-eyebrow { color: var(--gold); }
.contact-v2-left .section-title { color: var(--white); }

.contact-v2-promise {
  font-family: var(--font-body);
  font-size: 18px;
  font-weight: 300;
  color: rgba(255,255,255,0.6);
  line-height: 1.7;
  margin: 32px 0 40px;
  padding: 20px 24px;
  border-left: 2px solid var(--gold);
}

.contact-v2-info {
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.contact-v2-item-label {
  font-family: var(--font-label);
  font-size: 9px;
  font-weight: 500;
  letter-spacing: 0.3em;
  text-transform: uppercase;
  color: var(--gold);
  display: block;
  margin-bottom: 4px;
}

.contact-v2-item-value {
  font-family: var(--font-body);
  font-size: 20px;
  color: rgba(255,255,255,0.78);
  text-decoration: none;
  transition: color 0.3s;
}

a.contact-v2-item-value:hover { color: var(--gold); }

.contact-v2-book-btn {
  display: block;
  font-family: var(--font-label);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  text-decoration: none;
  color: var(--black);
  background: var(--gold);
  padding: 20px 40px;
  text-align: center;
  transition: background 0.3s;
  margin-top: 40px;
}
.contact-v2-book-btn:hover { background: var(--gold-light); }

.contact-v2-form-wrap {
  background: var(--white);
  padding: 56px 52px;
}

.contact-v2-form-title {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 700;
  color: var(--black);
  margin-bottom: 8px;
}

.contact-v2-form-sub {
  font-family: var(--font-label);
  font-size: 9px;
  letter-spacing: 0.15em;
  color: rgba(17,16,16,0.45);
  text-transform: uppercase;
  margin-bottom: 32px;
  display: block;
}

.contact-form-v2 { display: flex; flex-direction: column; gap: 24px; }

.form-v2-field label {
  display: block;
  font-family: var(--font-label);
  font-size: 9px;
  font-weight: 500;
  letter-spacing: 0.3em;
  text-transform: uppercase;
  color: rgba(17,16,16,0.45);
  margin-bottom: 8px;
}

.form-v2-field input,
.form-v2-field textarea,
.form-v2-field select {
  width: 100%;
  background: var(--warm-white);
  border: none;
  border-bottom: 1px solid rgba(0,0,0,0.14);
  color: var(--black);
  font-family: var(--font-body);
  font-size: 18px;
  font-weight: 300;
  padding: 12px 0;
  outline: none;
  transition: border-color 0.3s;
  appearance: none;
}

.form-v2-field input:focus,
.form-v2-field textarea:focus,
.form-v2-field select:focus { border-bottom-color: var(--gold); }

.form-v2-field textarea { resize: none; height: 100px; }

.form-v2-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.form-v2-submit {
  font-family: var(--font-label);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  color: var(--black);
  background: var(--gold);
  border: none;
  padding: 20px 40px;
  cursor: pointer;
  transition: background 0.3s;
  width: 100%;
  margin-top: 8px;
}
.form-v2-submit:hover { background: var(--gold-light); }

.form-v2-privacy {
  font-family: var(--font-label);
  font-size: 8px;
  letter-spacing: 0.1em;
  color: rgba(17,16,16,0.38);
  text-align: center;
  margin-top: 4px;
}

/* ─── FOOTER ─── */
footer {
  background: var(--black);
  color: var(--white);
  padding: 72px 80px 48px;
  border-top: 1px solid rgba(255,255,255,0.05);
}

.footer-inner { max-width: 1100px; margin: 0 auto; }

.footer-top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 60px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(255,255,255,0.05);
  margin-bottom: 40px;
}

.footer-logo-img {
  height: 56px;
  width: auto;
  filter: invert(1);
  margin-bottom: 12px;
  display: block;
}

.footer-brand-name {
  font-family: var(--font-label);
  font-size: 9px;
  font-weight: 500;
  letter-spacing: 0.3em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.25);
  margin-bottom: 20px;
  display: block;
}

.footer-brand-desc {
  font-family: var(--font-body);
  font-size: 16px;
  font-weight: 300;
  color: rgba(255,255,255,0.5);
  line-height: 1.7;
  max-width: 280px;
}

.footer-col-title {
  font-family: var(--font-label);
  font-size: 9px;
  font-weight: 600;
  letter-spacing: 0.3em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 24px;
  display: block;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.footer-links a {
  font-family: var(--font-body);
  font-size: 16px;
  font-weight: 300;
  color: rgba(255,255,255,0.55);
  text-decoration: none;
  transition: color 0.3s;
}
.footer-links a:hover { color: var(--white); }

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
}

.footer-legal {
  font-family: var(--font-label);
  font-size: 9px;
  letter-spacing: 0.13em;
  color: rgba(255,255,255,0.16);
}

/* ─── ANIMATIONS ─── */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(24px); }
  to   { opacity: 1; transform: translateY(0); }
}

.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.8s ease, transform 0.8s ease;
}

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

/* ─── SCROLLBAR ─── */
::-webkit-scrollbar { width: 4px; }
::-webkit-scrollbar-track { background: var(--warm-white); }
::-webkit-scrollbar-thumb { background: var(--silver-light); }

/* ─── INNER PAGE HERO ─── */
.page-hero {
  background: var(--black);
  padding: 140px 80px 80px;
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 70% 50%, rgba(184,150,90,0.05) 0%, transparent 70%);
  pointer-events: none;
}

.page-hero-inner {
  max-width: 1100px;
  margin: 0 auto;
  position: relative;
}

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 32px;
}

.breadcrumb a {
  font-family: var(--font-label);
  font-size: 9px;
  font-weight: 500;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  text-decoration: none;
  transition: color 0.3s;
}
.breadcrumb a:hover { color: var(--gold); }

.breadcrumb-sep {
  font-family: var(--font-label);
  font-size: 9px;
  color: rgba(255,255,255,0.18);
}

.breadcrumb-current {
  font-family: var(--font-label);
  font-size: 9px;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  color: var(--gold);
}

.page-hero-title {
  font-family: var(--font-display);
  font-size: clamp(36px, 5vw, 64px);
  font-weight: 700;
  line-height: 1.1;
  color: var(--white);
  margin-bottom: 24px;
}

.page-hero-title em {
  font-style: italic;
  font-weight: 400;
  color: var(--gold);
}

.page-hero-sub {
  font-family: var(--font-body);
  font-size: 20px;
  font-weight: 300;
  color: rgba(255,255,255,0.62);
  line-height: 1.7;
  max-width: 580px;
  margin-bottom: 40px;
}

.page-hero-trust {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}

.page-hero-trust .trust-badge-name { color: rgba(255,255,255,0.75); }
.page-hero-trust .trust-badge-sub { color: rgba(255,255,255,0.35); }
.page-hero-trust .trust-sep { background: rgba(255,255,255,0.15); }

/* ─── CONTENT SECTIONS ─── */
.content-lead {
  font-family: var(--font-body);
  font-size: 21px;
  font-weight: 300;
  color: rgba(17,16,16,0.72);
  line-height: 1.75;
  max-width: 720px;
  margin-bottom: 64px;
}

/* ─── SCENARIOS GRID ─── */
.scenarios-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 2px;
  margin-top: 48px;
}

.scenario-item {
  padding: 48px 44px;
  border: 1px solid rgba(0,0,0,0.07);
  transition: border-color 0.3s;
}

.scenario-item:hover { border-color: rgba(184,150,90,0.4); }

.scenario-num {
  font-family: var(--font-display);
  font-size: 44px;
  font-weight: 900;
  color: rgba(17,16,16,0.10);
  line-height: 1;
  display: block;
  margin-bottom: 16px;
}

.scenario-title {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 700;
  color: var(--black);
  margin-bottom: 12px;
}

.scenario-desc {
  font-family: var(--font-body);
  font-size: 17px;
  font-weight: 300;
  color: rgba(17,16,16,0.62);
  line-height: 1.75;
}

/* ─── LOAN TYPES GRID ─── */
.loan-types-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2px;
  margin-top: 48px;
}

.loan-type-item {
  background: var(--warm-white);
  padding: 36px 32px;
  border-left: 2px solid transparent;
  transition: border-color 0.3s;
}

.loan-type-item:hover { border-left-color: var(--gold); }

.loan-type-name {
  font-family: var(--font-label);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--black);
  margin-bottom: 10px;
  display: block;
}

.loan-type-desc {
  font-family: var(--font-body);
  font-size: 16px;
  font-weight: 300;
  color: rgba(17,16,16,0.62);
  line-height: 1.65;
}

/* ─── FEATURE LIST ─── */
.feature-list {
  display: flex;
  flex-direction: column;
  gap: 0;
  margin-top: 32px;
}

.feature-item {
  display: flex;
  align-items: flex-start;
  gap: 20px;
  padding: 20px 0;
  border-bottom: 1px solid rgba(0,0,0,0.06);
}

.feature-item:first-child { border-top: 1px solid rgba(0,0,0,0.06); }

.feature-line {
  width: 24px;
  height: 1px;
  background: var(--gold);
  flex-shrink: 0;
  margin-top: 12px;
}

.feature-text {
  font-family: var(--font-body);
  font-size: 18px;
  font-weight: 300;
  color: rgba(17,16,16,0.72);
  line-height: 1.65;
}

/* ─── FAQ ─── */
.faq-list { margin-top: 48px; }

details.faq-item { border-bottom: 1px solid rgba(0,0,0,0.08); }
details.faq-item:first-child { border-top: 1px solid rgba(0,0,0,0.08); }

summary.faq-question {
  font-family: var(--font-display);
  font-size: clamp(17px, 2vw, 21px);
  font-weight: 700;
  color: var(--black);
  padding: 28px 0;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  list-style: none;
  user-select: none;
}

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

summary.faq-question::after {
  content: '+';
  font-family: var(--font-label);
  font-size: 18px;
  font-weight: 300;
  color: var(--gold);
  flex-shrink: 0;
  transition: transform 0.3s;
}

details.faq-item[open] summary.faq-question::after { transform: rotate(45deg); }

.faq-answer {
  font-family: var(--font-body);
  font-size: 18px;
  font-weight: 300;
  color: rgba(17,16,16,0.65);
  line-height: 1.75;
  padding: 0 0 32px;
  max-width: 720px;
}

.faq-answer p + p { margin-top: 14px; }

/* ─── CTA BAND ─── */
.cta-band {
  background: var(--black);
  padding: 100px 80px;
}

.cta-band .section-title { color: var(--white); }
.cta-band .section-eyebrow { color: var(--gold); }

.cta-band-desc {
  font-family: var(--font-body);
  font-size: 19px;
  font-weight: 300;
  color: rgba(255,255,255,0.6);
  line-height: 1.7;
  max-width: 560px;
  margin-bottom: 40px;
}

.cta-band-actions {
  display: flex;
  gap: 16px;
  align-items: center;
  flex-wrap: wrap;
}

.btn-outline-light {
  font-family: var(--font-label);
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  text-decoration: none;
  color: rgba(255,255,255,0.7);
  padding: 18px 40px;
  display: inline-block;
  border: 1px solid rgba(255,255,255,0.22);
  transition: border-color 0.3s, color 0.3s;
}
.btn-outline-light:hover { border-color: rgba(255,255,255,0.55); color: var(--white); }

/* ─── RESPONSIVE: TABLET ─── */
@media (max-width: 900px) {
  .hero { grid-template-columns: 1fr; }
  .hero-right { display: none; }
  .hero-left { padding: 80px 48px; min-height: calc(100vh - 72px); }
  .about-v2-inner { grid-template-columns: 1fr; gap: 56px; }
  .about-v2-right { order: -1; }
  .calc-v2-inner { grid-template-columns: 1fr; gap: 48px; }
  .process-inner { grid-template-columns: 1fr; gap: 56px; }
  .testimonials-v2-grid { grid-template-columns: 1fr; }
  .contact-v2-inner { grid-template-columns: 1fr; gap: 56px; }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .footer-top > div:first-child { grid-column: 1 / -1; }
  .scenarios-grid { grid-template-columns: 1fr; }
  .loan-types-grid { grid-template-columns: 1fr 1fr; }
}

/* ─── RESPONSIVE: MOBILE ─── */
@media (max-width: 640px) {
  .site-nav { padding: 0 20px; height: 60px; }
  .nav-name, .nav-links li:not(.nav-phone-li) { display: none; }
  .nav-phone { display: none; }
  .nav-cta { padding: 10px 16px; font-size: 9px; }

  .hero-left { padding: 72px 24px 56px; text-align: center; align-items: center; }
  .hero-headline { font-size: clamp(30px, 8vw, 44px); }
  .hero-subtext { max-width: 100%; }
  .hero-trust { justify-content: center; flex-wrap: wrap; gap: 12px 16px; }
  .trust-sep { display: none; }
  .hero-actions { flex-direction: column; width: 100%; align-items: center; }
  .btn-gold, .btn-outline { text-align: center; width: 100%; }
  .hero-selector { align-items: center; width: 100%; }
  .hero-selector-item { width: 100%; max-width: 300px; justify-content: space-between; }

  section { padding: 72px 24px; }
  .contact-v2 { padding: 72px 24px; }
  footer { padding: 56px 24px 40px; }

  .service-row { grid-template-columns: 1fr; gap: 12px; padding: 36px 0; text-align: center; }
  .service-row-num { font-size: 36px; }
  .service-row-cta { width: 100%; justify-content: center; }
  .services-v2-header { text-align: center; }
  .services-v2-header .section-rule { margin-left: auto; margin-right: auto; }

  .process-card { padding: 36px 28px; }

  .about-v2-left { text-align: center; }
  .about-v2-pullquote { border-left: none; border-top: 2px solid var(--gold); padding: 20px 0 0; }
  .about-v2-metrics { grid-template-columns: repeat(3, 1fr); }
  .about-metric { padding: 20px 12px; }
  .about-metric-num { font-size: 28px; }
  .about-cred { justify-content: center; }
  .section-rule { margin-left: auto; margin-right: auto; }

  .niches-grid { grid-template-columns: 1fr; gap: 2px; }
  .niches-header { text-align: center; }
  .niches-header .section-rule { margin-left: auto; margin-right: auto; }
  .niche-card { padding: 40px 28px; }

  .bp-range-row { flex-wrap: wrap; gap: 8px; }
  .calc-lead-row { flex-direction: column; }
  .calc-lead-row input[type="email"] { border-right: 1px solid rgba(255,255,255,0.12); border-bottom: none; }
  .calc-lead-btn { width: 100%; padding: 16px; }

  .testimonial-featured { padding: 40px 28px; }
  .testimonial-featured-text { font-size: 18px; }
  .testimonial-featured-stars { margin-left: 0; margin-top: 12px; display: block; }
  .testimonial-featured-author { flex-wrap: wrap; }

  .contact-v2-form-wrap { padding: 40px 28px; }
  .form-v2-row { grid-template-columns: 1fr; }
  .calc-v2-results { padding: 36px 28px; }
  .calc-v2-details { grid-template-columns: 1fr; }
  .calc-v2-result-value { font-size: clamp(36px, 10vw, 52px); }

  .about-v2-badge { padding: 16px 20px; }

  .footer-top { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; gap: 16px; text-align: center; }

  .australia-band { padding: 32px 24px; }
  .australia-text { font-size: 9px; line-height: 2.2; }

  .page-hero { padding: 100px 24px 56px; }
  .cta-band { padding: 72px 24px; }
  .loan-types-grid { grid-template-columns: 1fr; }
  .scenario-item { padding: 36px 24px; }
  summary.faq-question { font-size: 17px; padding: 22px 0; }
  .cta-band-actions { flex-direction: column; }
  .btn-outline-light { text-align: center; width: 100%; }
}

/* ─── READABILITY OVERRIDES ─── */
/* Bump font weight from 300 → 400 and increase opacity on all body copy */
.about-v2-body,
.content-lead,
.scenario-desc,
.loan-type-desc,
.feature-text,
.faq-answer,
.cta-band-desc,
.service-row-desc,
.process-left-desc,
.hero-subtext,
.footer-brand-desc,
.contact-v2-promise,
.timeline-substep-text,
.niche-desc {
  font-weight: 400;
}

.content-lead    { color: rgba(17,16,16,0.80); }
.feature-text    { color: rgba(17,16,16,0.80); }
.about-v2-body   { color: rgba(17,16,16,0.76); }
.faq-answer      { color: rgba(17,16,16,0.76); }
.scenario-desc   { color: rgba(17,16,16,0.74); }
.loan-type-desc  { color: rgba(17,16,16,0.74); }
.service-row-desc { color: rgba(17,16,16,0.72); }
.process-left-desc { color: rgba(17,16,16,0.72); }
.hero-subtext    { color: rgba(17,16,16,0.70); }
.cta-band-desc   { color: rgba(255,255,255,0.72); }
.timeline-substep-text { color: rgba(255,255,255,0.72); }

/* ─── SCENARIO ICONS ─── */
.scenario-icon {
  font-size: 22px;
  color: var(--gold);
  margin-bottom: 18px;
  display: block;
  opacity: 0.9;
}

/* ─── LOAN TYPE ICONS ─── */
.loan-type-icon {
  font-size: 18px;
  color: var(--gold);
  margin-bottom: 14px;
  display: block;
  opacity: 0.85;
}

/* ─── FEATURE LIST WITH ICONS ─── */
.feature-icon {
  font-size: 13px;
  color: var(--gold);
  flex-shrink: 0;
  margin-top: 6px;
  width: 24px;
  text-align: center;
}

/* ─── LIFESTYLE BANNER ─── */
.lifestyle-banner {
  background: var(--black);
  background-size: cover;
  background-position: center 40%;
  position: relative;
  padding: 100px 80px;
  overflow: hidden;
}

.lifestyle-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(17,16,16,0.80);
}

.lifestyle-banner-inner {
  max-width: 1100px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2px;
}

.lifestyle-stat-item {
  padding: 48px 40px;
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.06);
}

.lifestyle-stat-icon {
  font-size: 22px;
  color: var(--gold);
  opacity: 0.7;
  margin-bottom: 20px;
  display: block;
}

.lifestyle-stat {
  font-family: var(--font-display);
  font-size: clamp(44px, 5.5vw, 68px);
  font-weight: 900;
  color: var(--gold);
  line-height: 1;
  display: block;
}

.lifestyle-stat-label {
  font-family: var(--font-label);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.3em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.55);
  margin-top: 12px;
  display: block;
}

.lifestyle-stat-desc {
  font-family: var(--font-body);
  font-size: 16px;
  font-weight: 400;
  color: rgba(255,255,255,0.50);
  line-height: 1.65;
  margin-top: 8px;
}

@media (max-width: 900px) {
  .lifestyle-banner-inner { grid-template-columns: 1fr; }
}

@media (max-width: 640px) {
  .lifestyle-banner { padding: 56px 24px; }
  .lifestyle-stat-item { padding: 36px 28px; }
}

/* ─── CONTACT PAGE ICON DETAILS ─── */
.contact-detail-icon {
  width: 40px;
  height: 40px;
  background: rgba(184,150,90,0.10);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-detail-icon i {
  font-size: 14px;
  color: var(--gold);
}

.contact-detail-row {
  display: flex;
  align-items: flex-start;
  gap: 16px;
}

.contact-detail-text {}

@media (max-width: 400px) {
  .site-nav { padding: 0 16px; }
  .hero-left { padding: 72px 16px 48px; }
  section { padding: 64px 16px; }
  .contact-v2 { padding: 64px 16px; }
  footer { padding: 48px 16px 32px; }
}