/* ==========================================================================
   South Coast Loans — Main Stylesheet
   Single source of truth for all custom styles.
   Bootstrap 5 is loaded separately via CDN.
   ========================================================================== */


/* --------------------------------------------------------------------------
   1. CSS CUSTOM PROPERTIES (Design Tokens)
   -------------------------------------------------------------------------- */
:root {
  --navy:           #0d1f3c;
  --navy-mid:       #162d54;
  --gold:           #c9a84c;
  --gold-light:     #e8c96a;
  --cream:          #f8f5ef;
  --white:          #ffffff;
  --text:           #2c2c2c;
  --text-muted:     #6b7280;
  --border:         #e2ddd5;
  --font-display:   'Playfair Display', Georgia, serif;
  --font-body:      'DM Sans', sans-serif;
  --radius:         6px;
  --shadow:         0 4px 24px rgba(13,31,60,0.10);
  --shadow-lg:      0 12px 48px rgba(13,31,60,0.16);
}


/* --------------------------------------------------------------------------
   2. BASE / RESET
   -------------------------------------------------------------------------- */
*,
*::before,
*::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--white);
  margin: 0;
}

h1, h2, h3, h4 { font-family: var(--font-display); }

a { color: var(--navy); text-decoration: none; }
a:hover { color: var(--gold); }


/* --------------------------------------------------------------------------
   3. NAVBAR
   -------------------------------------------------------------------------- */
.navbar {
  background: var(--navy);
  padding: 0 1.5rem;
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 16px rgba(0,0,0,0.18);
}

.navbar-brand img { height: 48px; }

.navbar-brand span {
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: 0.5px;
  margin-left: 10px;
}

.navbar .nav-link {
  color: rgba(255,255,255,0.85) !important;
  font-weight: 500;
  font-size: 0.9rem;
  letter-spacing: 0.3px;
  padding: 1.2rem 0.9rem !important;
  transition: color 0.2s;
}

.navbar .nav-link:hover,
.navbar .nav-link.active { color: var(--gold) !important; }

.navbar .dropdown-menu {
  background: var(--navy-mid);
  border: 1px solid rgba(201,168,76,0.25);
  border-radius: var(--radius);
  min-width: 220px;
  padding: 0.5rem 0;
}

.navbar .dropdown-item {
  color: rgba(255,255,255,0.8);
  font-size: 0.88rem;
  padding: 0.6rem 1.2rem;
}

.navbar .dropdown-item:hover {
  background: rgba(201,168,76,0.12);
  color: var(--gold);
}

.navbar-toggler { border-color: rgba(201,168,76,0.5); }

.navbar-toggler-icon {
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3e%3cpath stroke='rgba(201,168,76,1)' stroke-linecap='round' stroke-miterlimit='10' stroke-width='2' d='M4 7h22M4 15h22M4 23h22'/%3e%3c/svg%3e");
}

.btn-enquire {
  background: var(--gold);
  color: var(--navy) !important;
  font-weight: 600;
  font-size: 0.85rem;
  padding: 0.5rem 1.2rem !important;
  border-radius: 4px;
  margin-left: 0.5rem;
  transition: background 0.2s;
}

.btn-enquire:hover {
  background: var(--gold-light) !important;
  color: var(--navy) !important;
}

.btn-enquire:focus-visible {
  outline: 3px solid var(--gold-light);
  outline-offset: 3px;
}

/* Dropdown animation — scoped to navbar to avoid affecting third-party dropdowns */
.navbar .dropdown-menu { animation: fadeInDown 0.18s ease; }

@keyframes fadeInDown {
  from { opacity: 0; transform: translateY(-6px); }
  to   { opacity: 1; transform: translateY(0); }
}


/* --------------------------------------------------------------------------
   4. BUTTONS
   -------------------------------------------------------------------------- */
.btn-primary-scl {
  background: var(--navy);
  color: var(--white);
  border: none;
  padding: 0.75rem 2rem;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: 0.95rem;
  transition: background 0.2s, transform 0.15s;
  display: inline-block;
}

.btn-primary-scl:hover {
  background: var(--navy-mid);
  color: var(--white);
  transform: translateY(-1px);
}

.btn-primary-scl:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 3px;
}

.btn-gold {
  background: var(--gold);
  color: var(--navy);
  border: none;
  padding: 0.75rem 2rem;
  border-radius: var(--radius);
  font-weight: 700;
  font-size: 0.95rem;
  transition: background 0.2s, transform 0.15s;
  display: inline-block;
}

.btn-gold:hover {
  background: var(--gold-light);
  color: var(--navy);
  transform: translateY(-1px);
}

.btn-gold:focus-visible {
  outline: 3px solid var(--navy);
  outline-offset: 3px;
}

.btn-outline-scl {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
  padding: 0.7rem 1.8rem;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: 0.95rem;
  transition: all 0.2s;
  display: inline-block;
}

.btn-outline-scl:hover {
  background: var(--navy);
  color: var(--white);
}

.btn-outline-scl:focus-visible {
  outline: 3px solid var(--navy);
  outline-offset: 3px;
}

/* White-border variant used on dark hero sections */
.btn-outline-scl--white {
  border-color: rgba(255,255,255,0.4);
  color: var(--white);
}

.btn-outline-scl--white:hover {
  background: rgba(255,255,255,0.1);
  color: var(--white);
}


/* --------------------------------------------------------------------------
   5. SECTION HELPERS
   -------------------------------------------------------------------------- */
.section-label {
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--gold);
  display: block;
  margin-bottom: 0.5rem;
}

.section-label a {
  color: var(--gold);
  opacity: 0.75;
}

.section-title {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 3.5vw, 2.8rem);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.2;
}

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

.section-divider {
  width: 48px;
  height: 3px;
  background: var(--gold);
  border: none;
  margin: 1rem 0 1.5rem;
  display: block;        /* ensures margin: auto works when centring is needed */
}

.bg-cream  { background: var(--cream); }
.bg-navy   { background: var(--navy); }
.text-gold { color: var(--gold); }
.text-navy { color: var(--navy); }

/* Generic content section padding */
.content-section         { padding: 5rem 0; }
.content-section--white  { background: var(--white); }
.content-section--cream  { background: var(--cream); }
.content-section--navy   { background: var(--navy); }


/* --------------------------------------------------------------------------
   6. CARDS
   -------------------------------------------------------------------------- */
.scl-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 2rem;
  transition: box-shadow 0.25s, transform 0.25s;
  height: 100%;
}

.scl-card:hover {
  box-shadow: var(--shadow-lg);
}

@media (hover: hover) {
  .scl-card:hover { transform: translateY(-4px); }
}

.scl-card .icon-wrap {
  width: 56px;
  height: 56px;
  background: rgba(201,168,76,0.12);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  color: var(--gold);
  margin-bottom: 1rem;
}

/* Dark card variant */
.scl-card--navy {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}

.scl-card--navy h5 { color: var(--white); }
.scl-card--navy p  { color: rgba(255,255,255,0.65); font-size: 0.9rem; line-height: 1.7; }
.scl-card--navy hr { border-color: rgba(255,255,255,0.15); margin: 1.25rem 0; }
.scl-card--navy a  { color: rgba(255,255,255,0.8); }
.scl-card--navy a:hover { color: var(--gold); }


/* --------------------------------------------------------------------------
   7. PAGE HERO (interior pages)
   -------------------------------------------------------------------------- */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 5rem 0 4rem;
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  right: -80px;
  top: -80px;
  width: 400px;
  height: 400px;
  border-radius: 50%;
  border: 1px solid rgba(201,168,76,0.1);
}

.page-hero::after {
  content: '';
  position: absolute;
  right: 60px;
  top: 40px;
  width: 200px;
  height: 200px;
  border-radius: 50%;
  border: 1px solid rgba(201,168,76,0.08);
}

.page-hero p { color: rgba(255,255,255,0.65); max-width: 560px; margin-top: 1rem; }


/* --------------------------------------------------------------------------
   8. HOME HERO
   -------------------------------------------------------------------------- */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, #1a3460 60%, #0f2847 100%);
  padding: 5rem 0 4rem;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  right: -100px;
  top: -100px;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  border: 1px solid rgba(201,168,76,0.08);
}

.hero::after {
  content: '';
  position: absolute;
  right: 80px;
  bottom: -60px;
  width: 320px;
  height: 320px;
  border-radius: 50%;
  border: 1px solid rgba(201,168,76,0.06);
}

.hero-photo {
  border-radius: 12px;
  width: 100%;
  max-height: 500px;
  object-fit: cover;
  box-shadow: 0 24px 64px rgba(0,0,0,0.35);
}

.hero-tag {
  display: inline-block;
  background: rgba(201,168,76,0.15);
  border: 1px solid rgba(201,168,76,0.35);
  color: var(--gold);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 2px;
  text-transform: uppercase;
  padding: 0.35rem 1rem;
  border-radius: 50px;
  margin-bottom: 1.2rem;
}

.hero h1 {
  font-size: clamp(2.2rem, 5vw, 3.8rem);
  font-weight: 700;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 1.2rem;
}

.hero h1 span { color: var(--gold); }

.hero p {
  color: rgba(255,255,255,0.75);
  font-size: 1.05rem;
  line-height: 1.75;
  max-width: 520px;
}

.hero-stats {
  display: flex;
  gap: 2.5rem;
  margin-top: 2.5rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(255,255,255,0.1);
}

.hero-stats .stat-num {
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
}

.hero-stats .stat-label {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.5);
  margin-top: 0.2rem;
}


/* --------------------------------------------------------------------------
   9. HOME — COMPARISON TABLE
   -------------------------------------------------------------------------- */
.compare-table { width: 100%; border-collapse: collapse; }

.compare-table th {
  padding: 1rem;
  font-family: var(--font-display);
  font-size: 1rem;
  text-align: center;
  border-bottom: 2px solid var(--border);
}

.compare-table th:first-child { text-align: left; }
.compare-table th.us { color: var(--navy); border-bottom-color: var(--gold); }

.compare-table td {
  padding: 0.85rem 1rem;
  border-bottom: 1px solid var(--border);
  font-size: 0.92rem;
  color: var(--text);
  vertical-align: middle;
}

.compare-table td:not(:first-child) { text-align: center; }
.compare-table tr:last-child td { border-bottom: none; }
.compare-table .fa-check { color: #22c55e; font-size: 1rem; }
.compare-table .fa-times { color: #ef4444; font-size: 1rem; }


/* --------------------------------------------------------------------------
   10. HOME — WHY US / BROKER SECTION
   -------------------------------------------------------------------------- */
.why-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.why-icon {
  width: 44px;
  height: 44px;
  min-width: 44px;
  background: rgba(201,168,76,0.12);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 1.1rem;
}

.broker-photo {
  border-radius: 12px;
  width: 100%;
  object-fit: cover;
  max-height: 460px;
  box-shadow: var(--shadow-lg);
}

.credential-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(201,168,76,0.1);
  border: 1px solid rgba(201,168,76,0.3);
  color: var(--navy);
  font-size: 0.82rem;
  font-weight: 600;
  padding: 0.4rem 0.9rem;
  border-radius: 50px;
  margin-bottom: 0.5rem;
  margin-right: 0.4rem;
}

.credential-badge i { color: var(--gold); }


/* --------------------------------------------------------------------------
   11. HOME — SERVICE CARDS
   -------------------------------------------------------------------------- */
.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
  transition: box-shadow 0.25s, transform 0.25s;
  height: 100%;
  display: flex;
  flex-direction: column;
}

.service-card:hover { box-shadow: var(--shadow-lg); }

@media (hover: hover) {
  .service-card:hover { transform: translateY(-4px); }
}

.service-card-body { padding: 1.8rem; flex: 1; }

.service-card-icon {
  width: 52px;
  height: 52px;
  background: var(--navy);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 1.3rem;
  margin-bottom: 1rem;
}

.service-card h5 {
  font-family: var(--font-display);
  font-size: 1.15rem;
  color: var(--navy);
  margin-bottom: 0.5rem;
}

.service-card p { font-size: 0.9rem; color: var(--text-muted); line-height: 1.65; }

.service-card-footer {
  padding: 1rem 1.8rem;
  border-top: 1px solid var(--border);
  background: var(--cream);
}

.service-card-footer a { font-size: 0.88rem; font-weight: 600; color: var(--navy); }
.service-card-footer a:hover { color: var(--gold); }


/* --------------------------------------------------------------------------
   12. NEWSLETTER STRIP
   -------------------------------------------------------------------------- */
.newsletter-strip {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 3.5rem 0;
}

.newsletter-strip input {
  border-radius: var(--radius);
  border: none;
  padding: 0.75rem 1rem;
  font-size: 0.95rem;
  flex: 1;
}

.newsletter-strip button {
  border-radius: var(--radius);
  background: var(--gold);
  border: none;
  color: var(--navy);
  font-weight: 700;
  padding: 0 1.5rem;
  cursor: pointer;
  transition: background 0.2s;
  white-space: nowrap;
}

.newsletter-strip button:hover { background: var(--gold-light); }

.newsletter-strip h4 {
  font-family: var(--font-display);
  color: var(--white);
  margin-bottom: 0.25rem;
}

.newsletter-strip p {
  color: rgba(255,255,255,0.6);
  font-size: 0.9rem;
  margin-bottom: 0;
}


/* --------------------------------------------------------------------------
   13. FOOTER
   -------------------------------------------------------------------------- */
footer {
  background: var(--navy);
  color: rgba(255,255,255,0.75);
  padding: 4rem 0 1.5rem;
}

footer h5 {
  font-family: var(--font-display);
  color: var(--white);
  font-size: 1.1rem;
  margin-bottom: 1.2rem;
}

footer a { color: rgba(255,255,255,0.65); font-size: 0.9rem; }
footer a:hover { color: var(--gold); }
footer ul { list-style: none; padding: 0; margin: 0; }
footer ul li { margin-bottom: 0.5rem; }

.hours-note {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.7;
}

.footer-brand {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--gold);
}

.footer-body { font-size: 0.9rem; line-height: 1.7; }

.footer-legal {
  border-top: 1px solid rgba(255,255,255,0.1);
  margin-top: 3rem;
  padding-top: 1.5rem;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.4);
}

.footer-social a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.6);
  font-size: 0.9rem;
  margin-right: 0.4rem;
  transition: all 0.2s;
}

.footer-social a:hover {
  border-color: var(--gold);
  color: var(--gold);
  background: rgba(201,168,76,0.1);
}

.footer-icon { color: var(--gold); }


/* --------------------------------------------------------------------------
   14. ALERTS / MESSAGES
   -------------------------------------------------------------------------- */
.messages-container {
  position: fixed;
  top: 80px;
  right: 1.5rem;
  z-index: 2000;
  min-width: 300px;
}

.alert { animation: slideInRight 0.3s ease; }

@keyframes slideInRight {
  from { opacity: 0; transform: translateX(20px); }
  to   { opacity: 1; transform: translateX(0); }
}


/* --------------------------------------------------------------------------
   15. FORMS (Bootstrap overrides + custom)
   -------------------------------------------------------------------------- */
.form-control:focus,
.form-select:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(13,31,60,0.08);
  outline: none;
}

.fw-600 { font-weight: 600; font-size: 0.88rem; color: var(--navy); }

.range-slider { width: 100%; accent-color: var(--navy); }


/* --------------------------------------------------------------------------
   16. CALCULATOR — SHARED INPUT STYLING
   -------------------------------------------------------------------------- */
.calc-input label {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 0.3rem;
  display: block;
}

.calc-input input,
.calc-input select {
  width: 100%;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 0.65rem 0.9rem;
  font-size: 0.95rem;
  transition: border-color 0.2s;
}

.calc-input input:focus,
.calc-input select:focus {
  border-color: var(--navy);
  outline: none;
  box-shadow: 0 0 0 3px rgba(13,31,60,0.07);
}


/* --------------------------------------------------------------------------
   17. CALCULATOR — SHARED RESULT COMPONENTS
   -------------------------------------------------------------------------- */
.result-card {
  background: var(--navy);
  border-radius: 10px;
  padding: 1.5rem;
  color: var(--white);
  text-align: center;
}

.result-label {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.55);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 0.3rem;
}

.result-value {
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 700;
  color: var(--gold);
}

.result-value.sm       { font-size: 1.35rem; }
.result-value.green    { color: #2ecc71; }
.result-value.negative { color: #e74c3c; }

.breakdown-row {
  display: flex;
  justify-content: space-between;
  padding: 0.55rem 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.85rem;
}

.breakdown-row:last-child { border-bottom: none; }

.breakdown-row--total {
  border-top: 2px solid var(--navy);
  margin-top: 0.25rem;
  padding-top: 0.75rem;
  border-bottom: none;
}

.info-box {
  background: rgba(201,168,76,0.08);
  border: 1px solid rgba(201,168,76,0.25);
  border-radius: 8px;
  padding: 0.85rem 1rem;
  font-size: 0.82rem;
  color: var(--text-muted);
}

/* Frequency pill (repayment calculator) */
.freq-pill {
  display: inline-block;
  padding: 0.35rem 0.9rem;
  border-radius: 20px;
  border: 1px solid var(--border);
  font-size: 0.82rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.2s;
  color: var(--navy);
}

.freq-pill.active {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}


/* --------------------------------------------------------------------------
   18. CALCULATOR — LOAN COMPARISON
   -------------------------------------------------------------------------- */
.loan-col {
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 1.25rem;
  background: var(--white);
}

.loan-col.highlight {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,168,76,0.15);
}

.loan-label {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  padding: 0.3rem 0.7rem;
  border-radius: 4px;
  display: inline-block;
  margin-bottom: 0.75rem;
}

.loan-label.l1 { background: rgba(13,31,60,0.08);   color: var(--navy); }
.loan-label.l2 { background: rgba(201,168,76,0.15); color: #8a6d1e; }
.loan-label.l3 { background: rgba(52,152,219,0.1);  color: #1a5276; }

.result-row {
  display: flex;
  justify-content: space-between;
  padding: 0.5rem 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.85rem;
}

.result-row:last-child { border-bottom: none; }

.winner-badge {
  background: var(--gold);
  color: var(--navy);
  font-size: 0.68rem;
  font-weight: 700;
  padding: 0.15rem 0.4rem;
  border-radius: 3px;
  margin-left: 0.4rem;
  text-transform: uppercase;
}


/* --------------------------------------------------------------------------
   19. CALCULATOR — BUDGET PLANNER
   -------------------------------------------------------------------------- */
.cat-header {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: 1px;
  background: var(--cream);
  padding: 0.5rem 0.75rem;
  border-radius: 6px;
  margin-bottom: 0.75rem;
}

.budget-bar {
  height: 8px;
  border-radius: 4px;
  background: var(--border);
  overflow: hidden;
  margin-top: 0.25rem;
}

.budget-bar-fill {
  height: 100%;
  border-radius: 4px;
  background: var(--gold);
  transition: width 0.5s;
}

.budget-bar-fill.danger { background: #e74c3c; }


/* --------------------------------------------------------------------------
   20. CONSTRUCTION LOANS — STAGE & FEATURE COMPONENTS
   -------------------------------------------------------------------------- */
.stage-step {
  display: flex;
  gap: 1.25rem;
  align-items: flex-start;
  padding: 1.25rem;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 10px;
  transition: box-shadow 0.2s;
}

.stage-step:hover { box-shadow: var(--shadow); }

.stage-num {
  width: 42px;
  height: 42px;
  min-width: 42px;
  background: var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 0.9rem;
  font-weight: 700;
  font-family: var(--font-display);
}

.stage-content h6 {
  font-family: var(--font-display);
  color: var(--navy);
  margin-bottom: 0.3rem;
  font-size: 1rem;
}

.stage-content p {
  color: var(--text-muted);
  font-size: 0.88rem;
  line-height: 1.65;
  margin: 0;
}

.feature-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 1.5rem;
  height: 100%;
}

.feature-card .icon {
  width: 48px;
  height: 48px;
  background: rgba(201,168,76,0.12);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  color: var(--gold);
  margin-bottom: 1rem;
}

.feature-card h6 { font-family: var(--font-display); color: var(--navy); margin-bottom: 0.5rem; }
.feature-card p  { color: var(--text-muted); font-size: 0.88rem; line-height: 1.65; margin: 0; }

.docs-list li {
  padding: 0.6rem 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.9rem;
  color: var(--text-muted);
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.docs-list li:last-child { border-bottom: none; }
.docs-list li i { color: var(--gold); width: 16px; }

.info-band {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 3.5rem 0;
}

.stat-block { text-align: center; }

.stat-block .num {
  font-family: var(--font-display);
  font-size: 2.5rem;
  font-weight: 700;
  color: var(--gold);
}

.stat-block .num sup { font-size: 1.5rem; }

.stat-block .lbl {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-top: 0.25rem;
}

.owner-builder-box {
  background: rgba(201,168,76,0.07);
  border: 1px solid rgba(201,168,76,0.3);
  border-radius: 10px;
  padding: 1.5rem;
}

/* Approval process step circles */
.process-step-num {
  width: 56px;
  height: 56px;
  background: var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1rem;
  color: var(--gold);
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-weight: 700;
}

.process-step h6 { font-family: var(--font-display); color: var(--navy); }
.process-step p  { color: var(--text-muted); font-size: 0.88rem; line-height: 1.65; }


/* --------------------------------------------------------------------------
   21. SAVINGS GOAL — PLACEHOLDER & RESULTS
   -------------------------------------------------------------------------- */
.sg-placeholder {
  min-height: 300px;
  text-align: center;
  color: var(--text-muted);
  display: flex;
  align-items: center;
  justify-content: center;
}

.sg-placeholder-icon {
  font-size: 2.5rem;
  color: var(--border);
  display: block;
  margin-bottom: 1rem;
}

.sg-fhb-label {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  cursor: pointer;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--navy);
}

.sg-fhb-label input[type="checkbox"] {
  width: 18px;
  height: 18px;
  accent-color: var(--navy);
}

.grants-banner {
  background: var(--navy);
  border-radius: 12px;
  padding: 1.5rem;
  text-align: center;
}

.grants-banner h4 {
  font-family: var(--font-display);
  color: var(--white);
}

.grants-banner p { color: rgba(255,255,255,0.6); max-width: 440px; margin: 0.5rem auto 1.5rem; }


/* --------------------------------------------------------------------------
   22. ADDITIONAL COMPONENT CLASSES
   -------------------------------------------------------------------------- */

/* Page hero subtitle */
.page-hero-sub {
  color: rgba(255,255,255,0.65);
  max-width: 560px;
  margin-top: 1rem;
}

/* Sticky sidebar wrapper (construction loans)
   top offset matches the sticky navbar height — update --navbar-height if the navbar changes */
.sticky-sidebar { position: sticky; top: calc(var(--navbar-height, 80px) + 1rem); }

/* CTA box on dark sections */
.cta-box {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: 12px;
  padding: 2.5rem;
}

/* Dark hr inside navy cards */
.scl-card--navy-hr { border-color: rgba(255,255,255,0.15); margin: 1.25rem 0; }

/* Text helper for dark section link colours */
.text-white-80 { color: rgba(255,255,255,0.8); }

/* scl-card compact variant */
.scl-card--sm { padding: 1.25rem; }

/* scl-card gold-tint variant (offset explanation box) */
.scl-card--gold-tint {
  background: rgba(201,168,76,0.05);
  border-color: rgba(201,168,76,0.3);
}

/* Calculator result-card mid-navy variant */
.result-card--mid { background: var(--navy-mid); }

/* Success icon circle (enquire_success) */
.success-icon-wrap {
  width: 80px;
  height: 80px;
  background: rgba(34,197,94,0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem;
  font-size: 2rem;
  color: #22c55e;
}

/* Newsletter sub-text on dark bg */
.newsletter-strip-sub {
  color: rgba(255,255,255,0.6);
  font-size: 0.9rem;
  margin-bottom: 0;
}


/* --------------------------------------------------------------------------
   23. UTILITY CLASSES
   -------------------------------------------------------------------------- */
.text-muted-sm { font-size: 0.85rem; color: #6b7280; }
.rounded-scl   { border-radius: 10px; }
.shadow-scl    { box-shadow: 0 4px 24px rgba(13,31,60,0.10); }
.body-text     { color: var(--text-muted); line-height: 1.8; }
.body-text-sm  { color: var(--text-muted); font-size: 0.9rem; line-height: 1.75; }
.font-display  { font-family: var(--font-display); }
.lmi-warning   { color: #e67e22; }
.gap-warning   { color: #e74c3c; }


/* --------------------------------------------------------------------------
   23. RESPONSIVE
   -------------------------------------------------------------------------- */
@media (max-width: 767.98px) {
  .navbar      { padding: 0 1rem; }
  /* Hide the gold pill CTA from the inline navbar on mobile;
     it remains accessible inside the collapsed menu */
  .navbar-collapse .btn-enquire {
    display: inline-block;
    margin: 0.5rem 0 0.25rem;
    width: 100%;
    text-align: center;
  }
  .navbar-nav > .nav-item:last-child > .btn-enquire {
    display: none; /* hide the floating pill — shown in collapse menu above */
  }
}


/* --------------------------------------------------------------------------
   24. CALCULATOR — TABS
   -------------------------------------------------------------------------- */
.calc-tabs .nav-link {
  color: var(--navy);
  font-weight: 600;
  font-size: 0.9rem;
  border: 2px solid var(--border);
  border-radius: var(--radius);
  padding: 0.65rem 1.2rem;
  margin-right: 0.5rem;
  margin-bottom: 0.5rem;
  transition: all 0.2s;
}

.calc-tabs .nav-link.active,
.calc-tabs .nav-link:hover {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}

/* Range value helper */
.range-val { font-size: 0.82rem; color: var(--text-muted); }


/* --------------------------------------------------------------------------
   25. LAYOUT / SPACING HELPERS
   -------------------------------------------------------------------------- */

/* Calculator section background */
.section-calc { padding: 5rem 0; background: var(--cream); }

/* Page hero content wrapper (z-index lift) */
.page-hero-inner { position: relative; z-index: 1; }

/* Page hero subtitle — repeated here so templates use the class */
.page-hero-p {
  color: rgba(255,255,255,0.65);
  max-width: 560px;
  margin-top: 1rem;
}

/* Narrow body-text paragraph (used on several pages) */
.body-text--narrow { max-width: 580px; }

/* CTA section dark box */
.cta-dark {
  background: var(--navy);
  border-radius: 12px;
  padding: 2rem;
  text-align: center;
}

.cta-dark h4 {
  font-family: var(--font-display);
  color: var(--white);
}

.cta-dark p {
  color: rgba(255,255,255,0.6);
  margin: 0.5rem auto 1.5rem;
  max-width: 450px;
}

/* Card h5 display-font helper */
.card-title-display {
  font-family: var(--font-display);
  margin-bottom: 1.5rem;
}

/* Placeholder panel inside calculators */
.calc-placeholder {
  text-align: center;
  color: var(--text-muted);
}

.calc-placeholder-icon {
  font-size: 2rem;
  color: var(--border);
  margin-bottom: 1rem;
  display: block;
}

/* Info notice box (gold tint) */
.notice-box {
  background: rgba(201,168,76,0.08);
  border: 1px solid rgba(201,168,76,0.25);
  border-radius: 8px;
  padding: 0.85rem 1rem;
  font-size: 0.82rem;
  color: var(--text-muted);
}

/* result-card mid-navy variant (smaller value) */
.result-card--mid { background: var(--navy-mid); }
.result-card--mid .result-value { font-size: 1.4rem; }

/* Checkbox label row */
.checkbox-label {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  cursor: pointer;
  font-weight: 600;
  font-size: 0.88rem;
  color: var(--navy);
}

.checkbox-label input[type="checkbox"] {
  width: 18px;
  height: 18px;
  accent-color: var(--navy);
}

/* Icon column in enquire contact list */
.contact-icon-col {
  width: 20px;
  color: var(--gold);
}

/* Construction loans CTA card */
.construction-cta-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: 10px;
  padding: 1.5rem;
}

.construction-cta-card p {
  color: rgba(255,255,255,0.65);
  font-size: 0.9rem;
  line-height: 1.7;
}

.construction-cta-card a {
  color: rgba(255,255,255,0.75);
}

/* Process section intro text */
.process-intro {
  max-width: 580px;
}

/* Bottom CTA section paragraph */
.bottom-cta-p {
  color: rgba(255,255,255,0.6);
  max-width: 500px;
  margin: 1rem auto 2rem;
}

/* Home page CTA section paragraph */
.home-cta-p { color: rgba(255,255,255,0.6); }

/* Insurance / private lending intro list */
.intro-list { line-height: 2.2; }

/* Enquire success section padding */
.enquire-success-section { padding: 8rem 0; }

/* Email template styles (notification emails — inline required for email clients,
   kept here for reference only; do NOT remove inline styles from email templates) */


/* --------------------------------------------------------------------------
   26. ADDITIONAL UTILITY & COMPONENT CLASSES
   (extracted from former inline styles)
   -------------------------------------------------------------------------- */

/* Savings / positive colour on breakdown rows */
.result-value--green { color: #27ae60; }

/* CTA dark box paragraph (calc index + other pages) */
.cta-dark__p {
  color: rgba(255,255,255,0.6);
  margin: 0.5rem auto 1.5rem;
  max-width: 450px;
}

/* Narrow body text variant — ~500px cap */
.body-text--narrow-sm { max-width: 500px; }

/* Home CTA section paragraph */
.home-cta-p { color: rgba(255,255,255,0.6); }

/* Home CTA telephone link */
.home-cta-tel { color: rgba(255,255,255,0.5); }

/* Semi-transparent white link (construction loans sidebar) */
.text-white-75 { color: rgba(255,255,255,0.75); }

/* Construction loans CTA card paragraph */
.construction-cta-p {
  color: rgba(255,255,255,0.65);
  font-size: 0.85rem;
  line-height: 1.6;
  margin-bottom: 0.75rem;
}

/* Process section intro — max-width 580px */
.process-intro { max-width: 580px; }

/* Bottom CTA section paragraph on dark band */
.bottom-cta-p {
  color: rgba(255,255,255,0.6);
  max-width: 500px;
  margin: 1rem auto 2rem;
}

/* Enquire success — extra top/bottom padding */
.enquire-success-section { padding: 8rem 0; }

/* Intro list with generous line-height */
.intro-list { line-height: 2.2; }

/* scl-card stacked variant — height auto so stacked cards don't stretch */
.scl-card--stacked { height: auto; }

/* --------------------------------------------------------------------------
   27. LOAN COMPARISON CALCULATOR
   -------------------------------------------------------------------------- */

.lc-section { padding: 3.5rem 0 5rem; background: var(--cream); }

/* ── Input panels ─────────────────────────────────────────────────────────── */
.lc-panel {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
  height: 100%;
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow);
}

.lc-panel:focus-within {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,168,76,0.15);
}

.lc-panel-header {
  padding: 0.9rem 1.25rem;
  border-bottom: 1px solid var(--border);
  display: flex;
  align-items: center;
  gap: 0.75rem;
  background: var(--navy);
}

.lc-num {
  width: 28px; height: 28px; min-width: 28px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.78rem; font-weight: 700;
  font-family: var(--font-display);
}

.lc-num-1 { background: var(--gold); color: var(--navy); }
.lc-num-2 { background: rgba(255,255,255,0.2); color: var(--white); }
.lc-num-3 { background: rgba(255,255,255,0.2); color: var(--white); }

.lc-panel-title {
  font-family: var(--font-display);
  font-size: 0.95rem;
  color: var(--white);
  font-weight: 700;
  margin: 0;
  flex: 1;
}

.lc-panel-body { padding: 1rem 1.25rem 1.25rem; flex: 1; }

/* ── Input fields ─────────────────────────────────────────────────────────── */
.lc-field { margin-bottom: 0.65rem; }

.lc-field label {
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  display: flex;
  align-items: center;
  gap: 0.35rem;
  margin-bottom: 0.2rem;
}

.lc-field label i { color: var(--gold); font-size: 0.68rem; }

.lc-field input {
  width: 100%;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 0.5rem 0.75rem;
  font-size: 0.92rem;
  color: var(--navy);
  font-weight: 500;
  background: var(--white);
  transition: border-color 0.18s, box-shadow 0.18s;
  font-family: var(--font-body);
}

.lc-field input:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(13,31,60,0.07);
}

/* ── Compare button — matches .btn-gold exactly ───────────────────────────── */
.lc-compare-btn {
  width: 100%;
  background: var(--gold);
  color: var(--navy);
  border: none;
  border-radius: var(--radius);
  padding: 0.75rem 2rem;
  font-size: 0.95rem;
  font-weight: 700;
  font-family: var(--font-body);
  cursor: pointer;
  transition: background 0.2s, transform 0.15s;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  margin-top: 1.5rem;
  margin-bottom: 2.5rem;
}

.lc-compare-btn:hover { background: var(--gold-light); color: var(--navy); }

@media (hover: hover) {
  .lc-compare-btn:hover { transform: translateY(-1px); }
}

.lc-compare-btn:focus-visible { outline: 3px solid var(--navy); outline-offset: 3px; }
.lc-compare-btn.loading { opacity: 0.7; pointer-events: none; }

/* ── Placeholder ──────────────────────────────────────────────────────────── */
#lc-placeholder {
  padding: 4rem 2rem;
  text-align: center;
  color: var(--text-muted);
}

#lc-placeholder i {
  font-size: 3rem;
  color: var(--border);
  display: block;
  margin-bottom: 1rem;
}

/* ── Results — hidden until JS reveals after calculation ──────────────────── */
#lc-results { display: none; }

.lc-results-title {
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 1.25rem;
  padding-bottom: 0.75rem;
  border-bottom: 2px solid var(--border);
}

/* ── Result cards ─────────────────────────────────────────────────────────── */
.lc-result-card {
  border: 2px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
  background: var(--white);
  box-shadow: var(--shadow);
  transition: transform 0.25s, box-shadow 0.25s, border-color 0.25s;
  height: 100%;
  display: flex;
  flex-direction: column;
}

.lc-result-card.winner {
  border-color: var(--gold);
  box-shadow: 0 6px 28px rgba(201,168,76,0.2);
}

@media (hover: hover) {
  .lc-result-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
}

.lc-result-header {
  padding: 0.85rem 1.25rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.5rem;
}

/* Note: intentionally NOT using .h1/.h2/.h3 — Bootstrap reserves those */
.lc-result-header.lc-hdr-1 { background: var(--navy); }
.lc-result-header.lc-hdr-2 { background: #1a3a5c; }
.lc-result-header.lc-hdr-3 { background: #2c4a6e; }

.lc-result-label {
  font-family: var(--font-display);
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--white);
}

.best-badge {
  background: var(--gold);
  color: var(--navy);
  font-size: 0.65rem;
  font-weight: 800;
  padding: 0.2rem 0.6rem;
  border-radius: 20px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  white-space: nowrap;
}

.lc-hero-repayment {
  padding: 1.1rem 1.25rem;
  text-align: center;
  background: var(--cream);
  border-bottom: 1px solid var(--border);
}

.lc-hero-label {
  font-size: 0.68rem;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--text-muted);
  font-weight: 600;
  margin-bottom: 0.25rem;
}

.lc-hero-value {
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
}

.lc-hero-value.is-winner { color: var(--gold); }

.lc-hero-freq {
  font-size: 0.75rem;
  color: var(--text-muted);
  margin-top: 0.25rem;
}

.lc-stat-list { padding: 0.25rem 1.25rem 1rem; flex: 1; }

.lc-stat-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.55rem 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.84rem;
}

.lc-stat-row:last-child { border-bottom: none; }
.lc-stat-row-label { color: var(--text-muted); }
.lc-stat-row-value { font-weight: 600; color: var(--navy); display: flex; align-items: center; gap: 0.4rem; }

.win-tag {
  background: rgba(201,168,76,0.15);
  color: #8a6300;
  font-size: 0.62rem;
  font-weight: 800;
  padding: 0.1rem 0.4rem;
  border-radius: 4px;
  text-transform: uppercase;
  letter-spacing: 0.4px;
  border: 1px solid rgba(201,168,76,0.4);
  white-space: nowrap;
}

.lc-comp-rate { font-size: 0.95rem; font-weight: 700; color: var(--navy); }

/* ── Savings bar ──────────────────────────────────────────────────────────── */
.lc-savings-bar {
  background: var(--navy);
  border-radius: 12px;
  padding: 1.1rem 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
  margin-top: 1.5rem;
}

.lc-savings-bar-text { color: rgba(255,255,255,0.8); font-size: 0.88rem; line-height: 1.5; }
.lc-savings-bar-text strong { color: var(--gold); font-family: var(--font-display); }

/* ── Bar chart ────────────────────────────────────────────────────────────── */
.lc-chart {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 1.25rem 1.5rem;
  margin-top: 1.25rem;
}

.lc-chart-title { font-family: var(--font-display); font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 1rem; }
.lc-bar-row { margin-bottom: 0.85rem; }
.lc-bar-row:last-child { margin-bottom: 0; }
.lc-bar-meta { display: flex; justify-content: space-between; font-size: 0.82rem; margin-bottom: 0.3rem; }
.lc-bar-name { font-weight: 600; color: var(--navy); }
.lc-bar-val  { color: var(--text-muted); }
.lc-bar-track { height: 9px; background: var(--border); border-radius: 5px; overflow: hidden; }
.lc-bar-fill { height: 100%; border-radius: 5px; transition: width 0.7s cubic-bezier(0.4,0,0.2,1); }
.lc-bar-fill-1 { background: var(--navy); }
.lc-bar-fill-2 { background: #1a3a5c; }
.lc-bar-fill-3 { background: #2c4a6e; }

/* ── Info note ────────────────────────────────────────────────────────────── */
.lc-info {
  background: rgba(201,168,76,0.07);
  border: 1px solid rgba(201,168,76,0.25);
  border-radius: 8px;
  padding: 0.85rem 1rem;
  font-size: 0.82rem;
  color: var(--text-muted);
  margin-top: 1.25rem;
}

/* ── Animate-in ───────────────────────────────────────────────────────────── */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(12px); }
  to   { opacity: 1; transform: translateY(0); }
}

.fade-up              { animation: fadeUp 0.35s ease both; }
.fade-up:nth-child(2) { animation-delay: 0.07s; }
.fade-up:nth-child(3) { animation-delay: 0.14s; }

/* ── Utility ──────────────────────────────────────────────────────────────── */
.breadcrumb-link    { color: var(--gold); opacity: 0.75; }
.lc-placeholder-sub { font-size: 0.88rem; }
.lc-error-icon      { color: #e74c3c; }
.lc-error-title     { color: #e74c3c; }
.lc-error-sub       { font-size: 0.88rem; }
.btn-gold--sm       { white-space: nowrap; padding: 0.5rem 1.2rem !important; font-size: 0.88rem !important; }
.lc-bar-fill--init  { width: 0%; }