/* ============================================================
   Galway Finance — Main Stylesheet
   Brand: Midnight Blue #1B2A6B | Navy Indigo #2E3F8F | DM Sans + Outfit
   ============================================================ */

/* ── Self-hosted fonts (latin subset, variable) ──────────── */
/* Replaces render-blocking Google Fonts request for faster LCP. */
@font-face {
  font-family: "Outfit";
  font-style: normal;
  font-weight: 400 800;
  font-display: swap;
  src: url("../fonts/outfit-latin.woff2") format("woff2");
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: "DM Sans";
  font-style: normal;
  font-weight: 400 600;
  font-display: swap;
  src: url("../fonts/dmsans-latin.woff2") format("woff2");
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: "DM Sans";
  font-style: italic;
  font-weight: 400 600;
  font-display: swap;
  src: url("../fonts/dmsans-italic-latin.woff2") format("woff2");
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

/* ── Tokens ─────────────────────────────────────────────── */
:root {
  --navy:        #1B2A6B;
  --navy-mid:    #25347e;
  --navy-dark:   #111944;
  --blue:        #2E3F8F;
  --blue-hover:  #3f52aa;
  --blue-light:  #eceffe;

  --white:       #ffffff;
  --off-white:   #f7f8ff;
  --grey-light:  #eff1f8;
  --grey:        #c8cce0;
  --border:      #dde0f0;

  --text:        #1a1d35;
  --text-muted:  #5a6080;
  --text-faint:  #9199b8;

  --font-display: 'Outfit', sans-serif;
  --font-body:    'DM Sans', sans-serif;

  --nav-h:    72px;
  --max-w:    1200px;
  --pad-x:    clamp(20px, 4vw, 48px);
  --section:  84px;

  --r-sm: 4px;
  --r:    6px;
  --r-lg: 10px;
  --r-xl: 16px;

  --shadow-sm: 0 1px 4px rgba(15,21,88,.07);
  --shadow:    0 4px 16px rgba(15,21,88,.10);
  --shadow-lg: 0 8px 32px rgba(15,21,88,.14);
}

/* ── Reset ──────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.65;
  color: var(--text);
  background: var(--white);
  padding-top: var(--nav-h);
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
input, select, textarea { font-family: inherit; }

.stock-photo {
  display: block;
  height: 100%;
  object-fit: cover;
  width: 100%;
}

.stock-photo--rounded {
  border-radius: 12px;
}

/* ── Layout ─────────────────────────────────────────────── */
.container {
  width: 100%;
  max-width: var(--max-w);
  margin-inline: auto;
  padding-inline: var(--pad-x);
}
.section { padding-block: var(--section); }
.section-sm { padding-block: 56px; }
.bg-navy  { background: var(--navy); color: var(--white); }
.bg-off   { background: var(--off-white); }
.bg-grey  { background: var(--grey-light); }

/* ── Typography ─────────────────────────────────────────── */
h1, h2, h3, h4, h5 { font-family: var(--font-display); font-weight: 700; line-height: 1.18; text-wrap: pretty; }
h1 { font-size: clamp(36px, 5vw, 60px); letter-spacing: -0.02em; }
h2 { font-size: clamp(28px, 3.6vw, 44px); letter-spacing: -0.02em; }
h3 { font-size: clamp(20px, 2vw, 24px); }
h4 { font-size: 18px; font-weight: 600; }
h5 { font-size: 14px; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; }

p { text-wrap: pretty; }
.lead { font-size: clamp(17px, 1.5vw, 19px); line-height: 1.7; color: var(--text-muted); }
.eyebrow {
  font-family: var(--font-display);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--blue);
}
.eyebrow.light { color: rgba(255,255,255,.6); }

.section-header { max-width: 600px; }
.section-header .lead { margin-top: 12px; }
.section-header-center { text-align: center; margin-inline: auto; }

/* ── Tables and glossary ───────────────────────────────── */
.wp-block-table,
.gf-table {
  display: block;
  margin: 32px 0;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}

.wp-block-table table,
.gf-table table {
  width: 100%;
  min-width: 680px;
  border-collapse: collapse;
  border: 1px solid var(--border);
  background: var(--white);
  box-shadow: var(--shadow-sm);
}

.wp-block-table th,
.wp-block-table td,
.gf-table th,
.gf-table td {
  padding: 16px;
  border: 1px solid var(--border);
  text-align: left;
  vertical-align: top;
}

.wp-block-table th,
.gf-table th {
  background: var(--navy);
  color: var(--white);
  font-family: var(--font-display);
  font-weight: 600;
}

.wp-block-table tbody tr:nth-child(even),
.gf-table tbody tr:nth-child(even) {
  background: var(--off-white);
}

.wp-block-table figcaption,
.gf-table figcaption {
  margin-top: 10px;
  color: var(--text-muted);
  font-size: 14px;
  line-height: 1.6;
}

.gf-glossary-list {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.gf-glossary-item {
  border: 1px solid var(--border);
  border-radius: var(--r);
  background: var(--white);
  padding: 20px;
  box-shadow: var(--shadow-sm);
}

.gf-glossary-item dt {
  color: var(--navy);
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 700;
  margin-bottom: 8px;
}

.gf-glossary-item dd {
  color: var(--text-muted);
  line-height: 1.75;
}

/* ── Buttons ─────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-display);
  font-size: 15px;
  font-weight: 600;
  padding: 13px 24px;
  border-radius: var(--r);
  transition: all .18s ease;
  white-space: nowrap;
  cursor: pointer;
  text-decoration: none;
}
.btn-lg { padding: 16px 32px; font-size: 16px; }
.btn-sm { padding: 10px 20px; font-size: 14px; }

.btn-primary    { background: var(--blue); color: var(--white); }
.btn-primary:hover { background: var(--blue-hover); transform: translateY(-1px); box-shadow: var(--shadow); }

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

.btn-white      { background: var(--white); color: var(--navy); }
.btn-white:hover { background: var(--off-white); transform: translateY(-1px); box-shadow: var(--shadow); }

.btn-outline    { border: 2px solid var(--navy); color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: var(--white); }

.btn-outline-white { border: 2px solid rgba(255,255,255,.5); color: var(--white); }
.btn-outline-white:hover { border-color: var(--white); background: rgba(255,255,255,.08); }

/* ── Navigation ─────────────────────────────────────────── */
.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  height: var(--nav-h);
  transition: box-shadow .2s;
}
.site-header.scrolled { box-shadow: var(--shadow); }
.site-header .container {
  height: 100%;
  display: flex;
  align-items: center;
  gap: 40px;
}
/* ── Logo: submark + wordmark ──────────────────────────── */
.logo { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.logo .logo-submark { height: 36px; width: auto; display: block; }
.logo .logo-wordmark { display: flex; flex-direction: column; line-height: 1; align-items: flex-start; }
.logo .wm-galway { font-family: 'Outfit', sans-serif; font-weight: 700; font-size: 17px; letter-spacing: 0.04em; color: var(--navy); display: block; }
.logo .wm-finance { font-family: 'Outfit', sans-serif; font-weight: 400; font-size: 9px; letter-spacing: 0.38em; text-transform: uppercase; color: var(--blue); margin-top: 3px; margin-left: 1.5px; display: block; }
.main-nav {
  display: flex;
  align-items: center;
  gap: 4px;
  margin-left: auto;
}
.main-nav a {
  font-family: var(--font-display);
  font-size: 14px;
  font-weight: 500;
  color: var(--text-muted);
  padding: 6px 14px;
  border-radius: var(--r-sm);
  transition: color .15s, background .15s;
}
.main-nav a:hover { color: var(--navy); background: var(--grey-light); }
.main-nav a.active { color: var(--navy); font-weight: 600; }
.nav-cta { margin-left: 8px; }

.nav-toggle { display: none; flex-direction: column; gap: 5px; padding: 6px; margin-left: auto; }
.nav-toggle span { display: block; width: 22px; height: 2px; background: var(--navy); border-radius: 2px; transition: all .2s; }
.mobile-nav {
  display: none;
  flex-direction: column;
  gap: 2px;
  padding: 12px var(--pad-x) 20px;
  background: var(--white);
  border-top: 1px solid var(--border);
}
.mobile-nav a { padding: 10px 14px; font-size: 15px; border-radius: var(--r-sm); }
.mobile-nav a:hover { background: var(--grey-light); }
.mobile-nav.open { display: flex; }

/* ── Hero ────────────────────────────────────────────────── */
.hero {
  background: var(--navy);
  color: var(--white);
  padding: 100px 0 80px;
  position: relative;
  overflow: hidden;
  min-height: calc(88vh - var(--nav-h));
  display: flex;
  align-items: center;
}
.hero::after {
  content: '';
  position: absolute;
  right: -4%;
  top: 50%;
  transform: translateY(-50%);
  width: 52%;
  max-width: 660px;
  aspect-ratio: 1.15;
  background: url('../images/submark-white-192.png') no-repeat center;
  background-size: contain;
  opacity: .055;
  pointer-events: none;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: center;
  gap: 48px;
}
.hero-content { max-width: 640px; }
.hero-content h1 { color: var(--white); margin: 12px 0 20px; }
.hero-lead { font-size: clamp(16px, 1.4vw, 18px); line-height: 1.75; color: rgba(255,255,255,.75); margin-bottom: 36px; max-width: 520px; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 48px; }
/* offsets .hero-actions' 48px bottom margin to sit 12px under the buttons */
.hero-note { font-size: 13px; color: rgba(255,255,255,.6); margin: -36px 0 44px; }
.hero-trust {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,.12);
}
.trust-item { text-align: center; }
.trust-item strong { display: block; font-family: var(--font-display); font-size: 22px; font-weight: 800; color: var(--white); }
.trust-item span { font-size: 12px; color: rgba(255,255,255,.55); letter-spacing: .04em; }
.trust-divider { width: 1px; height: 36px; background: rgba(255,255,255,.15); }

/* ── Lender Bar ─────────────────────────────────────────── */
.lender-bar { padding: 40px 0; border-bottom: 1px solid var(--border); }
.lender-bar-inner { display: flex; align-items: center; gap: 40px; min-width: 0; width: 100%; }
.lender-bar-label { font-family: var(--font-display); font-size: 13px; font-weight: 600; color: var(--text-muted); white-space: nowrap; letter-spacing: .04em; flex-shrink: 0; }
.lender-scroll { display: flex; gap: 10px; flex-wrap: wrap; min-width: 0; width: 100%; }
.lender-pill {
  font-family: var(--font-display);
  font-size: 12px;
  font-weight: 600;
  color: var(--text-muted);
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 5px 14px;
  white-space: nowrap;
  transition: border-color .15s, color .15s;
}
.lender-pill:hover { border-color: var(--blue); color: var(--blue); }
.lender-pill.featured { border-color: var(--navy); color: var(--navy); }

/* ── Services Grid ───────────────────────────────────────── */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 32px 28px;
  transition: box-shadow .2s, transform .2s, border-color .2s;
}
.service-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); border-color: var(--blue); }
.service-icon {
  width: 52px; height: 52px;
  background: var(--blue-light);
  border-radius: var(--r-lg);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
  color: var(--blue);
}
.service-card h3 { margin-bottom: 10px; }
.service-card p { font-size: 14px; color: var(--text-muted); line-height: 1.65; margin-bottom: 20px; }
.service-link {
  font-family: var(--font-display);
  font-size: 14px;
  font-weight: 600;
  color: var(--blue);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: gap .15s;
}
.service-link:hover { gap: 10px; }

/* ── Process Steps ───────────────────────────────────────── */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
  margin-top: 48px;
  position: relative;
}
.steps-grid::before {
  content: '';
  position: absolute;
  top: 28px; left: 16.67%; right: 16.67%;
  height: 1px;
  background: var(--border);
}
.step { text-align: center; position: relative; }
.step-num {
  width: 56px; height: 56px;
  background: var(--navy);
  color: var(--white);
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 800;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
  position: relative;
  z-index: 1;
}
.step h3 { margin-bottom: 10px; }
.step p { font-size: 15px; color: var(--text-muted); }

/* ── Calculator ──────────────────────────────────────────── */
.calc-section {
  background: var(--navy);
  color: var(--white);
  padding: var(--section) 0;
  position: relative;
  overflow: hidden;
}
.calc-section::after {
  content: '';
  position: absolute;
  right: -8%;
  bottom: -10%;
  width: 45%;
  max-width: 560px;
  aspect-ratio: 1.15;
  background: url('../images/submark-white-192.png') no-repeat center;
  background-size: contain;
  opacity: .04;
  pointer-events: none;
}
.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}
.calc-intro { padding-top: 8px; }
.calc-intro h2 { color: var(--white); margin: 12px 0 16px; }
.calc-intro .lead { color: rgba(255,255,255,.7); }
.calc-intro-bullets { margin-top: 28px; display: flex; flex-direction: column; gap: 14px; }
.calc-bullet { display: flex; align-items: flex-start; gap: 12px; }
.calc-bullet-icon { color: var(--blue-light); margin-top: 2px; flex-shrink: 0; }
.calc-bullet p { font-size: 15px; color: rgba(255,255,255,.75); }

.calc-card {
  background: var(--white);
  border-radius: var(--r-xl);
  padding: 36px 32px;
  box-shadow: var(--shadow-lg);
  position: relative;
  z-index: 1;
}
.calc-tabs { display: flex; gap: 4px; margin-bottom: 28px; background: var(--grey-light); padding: 4px; border-radius: var(--r); }
.calc-tab {
  flex: 1;
  padding: 8px 12px;
  font-family: var(--font-display);
  font-size: 13px;
  font-weight: 600;
  color: var(--text-muted);
  border-radius: var(--r-sm);
  text-align: center;
  cursor: pointer;
  transition: all .15s;
}
.calc-tab.active { background: var(--white); color: var(--navy); box-shadow: var(--shadow-sm); }

.calc-panel { display: none; }
.calc-panel.active { display: block; }

.form-group { margin-bottom: 20px; }
.form-label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 8px;
  font-family: var(--font-display);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.input-wrap { position: relative; }
.input-prefix, .input-suffix {
  position: absolute;
  top: 50%; transform: translateY(-50%);
  font-family: var(--font-display);
  font-size: 14px;
  font-weight: 600;
  color: var(--text-muted);
  pointer-events: none;
}
.input-prefix { left: 14px; }
.input-suffix { right: 14px; }
input[type=number], input[type=text], input[type=email], input[type=tel], select, textarea {
  width: 100%;
  border: 1.5px solid var(--border);
  border-radius: var(--r);
  padding: 11px 14px;
  font-size: 15px;
  color: var(--text);
  background: var(--white);
  transition: border-color .15s, box-shadow .15s;
  -moz-appearance: textfield;
}
input[type=number]::-webkit-inner-spin-button { -webkit-appearance: none; }
input:focus, select:focus, textarea:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(46,62,200,.12);
}
.has-prefix input { padding-left: 30px; }
.has-suffix input { padding-right: 40px; }

select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%235a6080' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 36px; }

.calc-result {
  background: var(--navy);
  color: var(--white);
  border-radius: var(--r-lg);
  padding: 20px 24px;
  margin: 20px 0;
  display: none;
}
.calc-result.visible { display: block; }
.result-label { font-size: 12px; color: rgba(255,255,255,.6); letter-spacing: .05em; text-transform: uppercase; font-family: var(--font-display); font-weight: 600; margin-bottom: 4px; }
.result-amount { font-family: var(--font-display); font-size: 34px; font-weight: 800; color: var(--white); }
.result-note { font-size: 12px; color: rgba(255,255,255,.55); margin-top: 6px; }
.result-breakdown { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 14px; padding-top: 14px; border-top: 1px solid rgba(255,255,255,.12); }
.result-item label { font-size: 11px; color: rgba(255,255,255,.5); display: block; margin-bottom: 2px; font-family: var(--font-display); font-weight: 600; letter-spacing: .04em; text-transform: uppercase; }
.result-item span { font-family: var(--font-display); font-size: 17px; font-weight: 700; }

.calc-cta-note {
  font-size: 13px;
  color: var(--text-muted);
  text-align: center;
  margin-top: 12px;
  line-height: 1.5;
}
.calc-cta-note a { color: var(--blue); font-weight: 600; }

/* ── Testimonials ────────────────────────────────────────── */
.testi-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.testi-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 28px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.testi-stars { display: flex; gap: 3px; color: #f5a623; }
.testi-text { font-size: 15px; line-height: 1.7; color: var(--text); font-style: italic; flex: 1; }
.testi-author { display: flex; align-items: center; gap: 12px; padding-top: 14px; border-top: 1px solid var(--border); }
.testi-avatar {
  width: 44px; height: 44px; border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 16px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.testi-name { font-weight: 600; font-size: 14px; }
.testi-meta { font-size: 13px; color: var(--text-muted); }

.google-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 10px 18px;
  margin-bottom: 36px;
}
.google-badge-stars { display: flex; gap: 2px; color: #f5a623; font-size: 18px; }
.google-badge-text strong { font-family: var(--font-display); font-size: 16px; color: var(--navy); display: block; }
.google-badge-text span { font-size: 12px; color: var(--text-muted); }

/* ── FAQ ─────────────────────────────────────────────────── */
.faq-list { max-width: 780px; margin: 48px auto 0; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-trigger {
  width: 100%;
  text-align: left;
  padding: 20px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
  font-family: var(--font-display);
  font-size: 16px;
  font-weight: 600;
  color: var(--text);
  background: none;
  border: none;
  cursor: pointer;
  transition: color .15s;
}
.faq-trigger:hover { color: var(--blue); }
.faq-icon { width: 24px; height: 24px; border-radius: 50%; border: 1.5px solid var(--border); display: flex; align-items: center; justify-content: center; color: var(--text-muted); flex-shrink: 0; transition: all .2s; }
.faq-item.open .faq-icon { background: var(--blue); border-color: var(--blue); color: var(--white); transform: rotate(45deg); }
.faq-item.open .faq-trigger { color: var(--blue); }
.faq-body { overflow: hidden; max-height: 0; transition: max-height .3s ease; }
.faq-body-inner { padding-bottom: 20px; font-size: 15px; line-height: 1.75; color: var(--text-muted); }

/* ── Blog Cards ──────────────────────────────────────────── */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.blog-card { background: var(--white); border-radius: var(--r-lg); overflow: hidden; border: 1px solid var(--border); transition: box-shadow .2s, transform .2s; }
.blog-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); }
.blog-card-img { height: 200px; background: var(--navy); overflow: hidden; position: relative; }
.blog-card-img-inner { width: 100%; height: 100%; display: flex; align-items: center; justify-content: center; }
.blog-img-placeholder { width: 100%; height: 100%; background: var(--navy-mid); display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,.15); }
.blog-card-tag {
  position: absolute;
  top: 14px; left: 14px;
  background: var(--blue);
  color: var(--white);
  font-size: 11px;
  font-weight: 700;
  font-family: var(--font-display);
  letter-spacing: .06em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 20px;
}
.blog-card-body { padding: 24px; }
.blog-card-meta { font-size: 12px; color: var(--text-faint); margin-bottom: 8px; display: flex; gap: 8px; align-items: center; font-family: var(--font-display); font-weight: 500; }
.blog-card-meta span + span::before,
.blog-meta > * + *::before {
  content: '·';
  margin-right: 8px;
  color: var(--text-faint);
}
.blog-card h3 { font-size: 18px; margin-bottom: 10px; line-height: 1.3; }
.blog-card p { font-size: 14px; color: var(--text-muted); line-height: 1.65; }
.blog-card-link { display: inline-flex; align-items: center; gap: 6px; margin-top: 14px; font-size: 14px; font-weight: 600; color: var(--blue); font-family: var(--font-display); transition: gap .15s; }
.blog-card-link:hover { gap: 10px; }

/* ── CTA Banner ──────────────────────────────────────────── */
.cta-banner { background: var(--navy); color: var(--white); padding: var(--section) 0; text-align: center; position: relative; overflow: hidden; }
.cta-banner::before {
  content: '';
  position: absolute;
  left: -10%;
  top: 50%;
  transform: translateY(-50%);
  width: 40%;
  max-width: 500px;
  aspect-ratio: 1.15;
  background: url('../images/submark-white-192.png') no-repeat center;
  background-size: contain;
  opacity: .04;
  pointer-events: none;
}
.cta-banner h2 { color: var(--white); margin-bottom: 14px; }
.cta-banner .lead { color: rgba(255,255,255,.7); max-width: 540px; margin: 0 auto 36px; }
.cta-banner-actions { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }

/* ── Team / About ────────────────────────────────────────── */
.team-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; margin-top: 48px; }
.team-image-slot { border-radius: var(--r-xl); overflow: hidden; }
.team-content .eyebrow { margin-bottom: 12px; }
.team-content h2 { margin-bottom: 16px; }
.team-content .lead { margin-bottom: 28px; }
.team-creds { display: flex; flex-direction: column; gap: 12px; margin-bottom: 28px; }
.team-cred { display: flex; align-items: flex-start; gap: 12px; }
.team-cred-icon { color: var(--blue); margin-top: 2px; flex-shrink: 0; }
.team-cred p { font-size: 15px; color: var(--text-muted); }
.team-cred strong { color: var(--text); }

/* ── Lightweight Capture ─────────────────────────────────── */
.inline-capture {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 22px;
}

.inline-capture h3,
.inline-capture h4 {
  font-size: 18px;
  margin-bottom: 6px;
}

.inline-capture p {
  color: var(--text-muted);
  font-size: 14px;
  line-height: 1.55;
}

.inline-capture-fields {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr) auto;
  gap: 10px;
  margin-top: 14px;
}

.inline-capture .form-helper {
  color: var(--text-faint);
  font-size: 12px;
  margin-top: 10px;
}

.inline-capture .form-helper a {
  color: var(--blue);
  font-weight: 700;
}

.inline-capture-message {
  margin-top: 12px;
}

/* ── Stats Bar ───────────────────────────────────────────── */
.stats-bar { padding: 44px 0; background: var(--blue); }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.stat-item { text-align: center; }
.stat-number { font-family: var(--font-display); font-size: 40px; font-weight: 800; color: var(--white); line-height: 1; }
.stat-label { font-size: 13px; color: rgba(255,255,255,.7); margin-top: 6px; font-family: var(--font-display); font-weight: 500; }

/* ── Footer ──────────────────────────────────────────────── */
.site-footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,.75);
  padding: 64px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 48px;
  padding-bottom: 56px;
}
.footer-brand img { height: 52px; margin-bottom: 16px; }
.footer-brand p { font-size: 14px; line-height: 1.7; color: rgba(255,255,255,.6); margin-bottom: 20px; }
.footer-accreds { display: flex; flex-wrap: wrap; gap: 8px; }
.accred-badge {
  font-size: 11px;
  font-weight: 600;
  font-family: var(--font-display);
  letter-spacing: .04em;
  border: 1px solid rgba(255,255,255,.2);
  border-radius: 20px;
  padding: 4px 12px;
  color: rgba(255,255,255,.7);
}
.footer-links h4 { font-family: var(--font-display); font-size: 13px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: rgba(255,255,255,.45); margin-bottom: 16px; }
.footer-links ul { display: flex; flex-direction: column; gap: 10px; }
.footer-links a { font-size: 14px; color: rgba(255,255,255,.65); transition: color .15s; }
.footer-links a:hover { color: var(--white); }
.footer-contact h4 { font-family: var(--font-display); font-size: 13px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: rgba(255,255,255,.45); margin-bottom: 16px; }
.footer-contact p, .footer-contact a { font-size: 14px; color: rgba(255,255,255,.65); line-height: 1.8; transition: color .15s; display: block; }
.footer-contact a:hover { color: var(--white); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 24px 0;
  display: flex;
  align-items: flex-start;
  gap: 40px;
  justify-content: space-between;
}
.footer-disclaimer { font-size: 12px; line-height: 1.7; color: rgba(255,255,255,.4); max-width: 700px; }
.footer-legal { display: flex; gap: 20px; flex-shrink: 0; }
.footer-legal a { font-size: 12px; color: rgba(255,255,255,.45); white-space: nowrap; transition: color .15s; }
.footer-legal a:hover { color: rgba(255,255,255,.8); }

/* ── Sticky CTA Bar ──────────────────────────────────────── */
.sticky-cta {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  background: var(--navy);
  border-top: 1px solid rgba(255,255,255,.1);
  z-index: 999;
  transform: translateY(100%);
  transition: transform .3s ease;
  box-shadow: 0 -4px 24px rgba(0,0,0,.3);
}
.sticky-cta.visible { transform: translateY(0); }
.sticky-cta-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 14px var(--pad-x);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}
.sticky-cta-text { font-family: var(--font-display); font-size: 15px; font-weight: 600; color: rgba(255,255,255,.9); }
.sticky-cta-actions { display: flex; align-items: center; gap: 16px; }
.sticky-phone { font-family: var(--font-display); font-size: 15px; font-weight: 700; color: rgba(255,255,255,.8); letter-spacing: .01em; }
.sticky-close { background: none; border: none; color: rgba(255,255,255,.4); cursor: pointer; padding: 4px; transition: color .15s; font-size: 20px; line-height: 1; }
.sticky-close:hover { color: rgba(255,255,255,.8); }

/* ── Page Header (inner pages) ───────────────────────────── */
.page-hero { background: var(--navy); color: var(--white); padding: 64px 0; }
.page-hero h1 { color: var(--white); margin: 12px 0 16px; }
.page-hero .lead { color: rgba(255,255,255,.7); max-width: 560px; }
.breadcrumb { display: flex; gap: 8px; align-items: center; font-size: 13px; color: rgba(255,255,255,.45); margin-bottom: 16px; font-family: var(--font-display); font-weight: 500; }
.breadcrumb a { color: rgba(255,255,255,.45); transition: color .15s; }
.breadcrumb a:hover { color: rgba(255,255,255,.8); }
.breadcrumb span { color: rgba(255,255,255,.25); }

.gf-404-search {
  display: grid;
  grid-template-columns: minmax(0, 360px) auto;
  gap: 12px;
  margin-top: 28px;
  max-width: 520px;
}

.gf-404-search input {
  border-color: rgba(255,255,255,.28);
  background: rgba(255,255,255,.1);
  color: var(--white);
}

.gf-404-search input::placeholder {
  color: rgba(255,255,255,.62);
}

/* ── Contact Form ────────────────────────────────────────── */
.contact-grid { display: grid; grid-template-columns: 1fr 1.6fr; gap: 64px; align-items: start; }
.contact-info h3 { margin-bottom: 20px; }
.contact-method { display: flex; align-items: flex-start; gap: 16px; padding: 20px 0; border-bottom: 1px solid var(--border); }
.contact-method-icon { width: 44px; height: 44px; background: var(--blue-light); border-radius: var(--r-lg); display: flex; align-items: center; justify-content: center; color: var(--blue); flex-shrink: 0; }
.contact-method h4 { font-size: 14px; margin-bottom: 4px; }
.contact-method p, .contact-method a { font-size: 15px; color: var(--text-muted); }
.contact-method a:hover { color: var(--blue); }

.contact-form { background: var(--white); border: 1px solid var(--border); border-radius: var(--r-xl); padding: 40px; box-shadow: var(--shadow); }
.contact-form h3 { margin-bottom: 28px; }
textarea { resize: vertical; min-height: 120px; padding: 12px 14px; }
.form-submit { margin-top: 24px; }
.form-consent { display: flex; align-items: flex-start; gap: 10px; font-size: 13px; color: var(--text-faint); margin-top: 12px; line-height: 1.5; }
.form-consent input { width: 16px; height: 16px; flex: 0 0 16px; margin-top: 2px; accent-color: var(--blue); }
.form-consent a { color: var(--blue); }

/* ── About / Team Page ───────────────────────────────────── */
.values-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 48px; }
.value-card { padding: 28px; background: var(--white); border: 1px solid var(--border); border-radius: var(--r-lg); }
.value-icon { width: 48px; height: 48px; background: var(--blue-light); border-radius: var(--r-lg); display: flex; align-items: center; justify-content: center; color: var(--blue); margin-bottom: 16px; }
.value-card h3 { font-size: 18px; margin-bottom: 8px; }
.value-card p { font-size: 14px; color: var(--text-muted); }

/* ── Blog / Resources Page ───────────────────────────────── */
.filter-btn { font-family: var(--font-display); font-size: 13px; font-weight: 600; padding: 8px 18px; border-radius: 20px; border: 1.5px solid var(--border); color: var(--text-muted); cursor: pointer; transition: all .15s; background: var(--white); }
.filter-btn:hover, .filter-btn.active { background: var(--navy); color: var(--white); border-color: var(--navy); }

/* ── Accreditation Logos ─────────────────────────────────── */
.accred-section { padding: 48px 0; border-top: 1px solid var(--border); }
.accred-inner { display: flex; align-items: center; justify-content: center; gap: 48px; flex-wrap: wrap; }
.accred-item { text-align: center; }
.accred-badge-lg {
  font-family: var(--font-display);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--navy);
  border: 2px solid var(--navy);
  padding: 10px 20px;
  border-radius: var(--r);
  opacity: .55;
}

/* ── Responsive ──────────────────────────────────────────── */
@media (max-width: 1024px) {
  .calc-grid { grid-template-columns: 1fr; max-width: 560px; margin-inline: auto; }
  .calc-intro { text-align: center; }
  .team-grid { grid-template-columns: 1fr; }
  .team-image-slot { max-width: 360px; }
}

@media (max-width: 768px) {
  :root { --section: 60px; }
  body { padding-top: var(--nav-h); }
  .main-nav, .nav-cta { display: none; }
  .nav-toggle { display: flex; }
  .hero-grid { grid-template-columns: 1fr; }
  .services-grid { grid-template-columns: 1fr 1fr; }
  .testi-grid { grid-template-columns: 1fr 1fr; }
  .blog-grid { grid-template-columns: 1fr 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .steps-grid::before { display: none; }
  .contact-grid { grid-template-columns: 1fr; }
  .values-grid { grid-template-columns: 1fr 1fr; }
  .form-row { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
  .services-grid, .testi-grid, .blog-grid, .values-grid { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; }
  .gf-404-search { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; gap: 12px; }
  .sticky-cta-text { display: none; }
}

/* ── WordPress integration ───────────────────────────────── */
.wp-site-blocks {
  padding: 0;
}

.wp-site-blocks > header,
.wp-site-blocks > footer {
  margin-block-start: 0;
}

.gf-logo--white .gf-logo__galway,
.gf-logo--white .wm-galway {
  color: #fff;
}

.gf-logo--white .gf-logo__finance,
.gf-logo--white .wm-finance {
  color: rgba(255,255,255,.65);
}

.single-post-shell {
  padding: 120px var(--pad-x) 84px;
}

.single-post-shell .wp-block-post-title {
  color: var(--navy);
  font-size: clamp(36px, 5vw, 56px);
  margin-bottom: 16px;
}

image-slot {
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, var(--off-white), var(--grey-light));
  border: 1px dashed var(--grey);
  border-radius: 12px;
  color: var(--text-faint);
  font-family: var(--font-display);
  font-size: 13px;
  font-weight: 600;
  text-align: center;
  overflow: hidden;
}

image-slot::before {
  content: attr(placeholder);
  padding: 20px;
}

.form-message {
  border-radius: var(--r);
  font-size: 14px;
  font-weight: 600;
  margin-bottom: 18px;
  padding: 12px 14px;
}

.form-message--error {
  background: #fff2f2;
  border: 1px solid #f2c0c0;
  color: #9d2525;
}

.form-message--success {
  background: var(--blue-light);
  border: 1px solid rgba(46,62,200,.22);
  color: var(--navy);
}

.form-message[hidden],
.booking-widget-fallback[hidden] {
  display: none;
}

.resources-section .topic-links-label {
  margin: 0 0 12px;
}

.resources-section .topic-links {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 24px;
  list-style: none;
  margin: 0 0 36px;
  padding: 0;
}

.resources-section .topic-links li {
  margin: 0;
}

.resources-section .topic-links a {
  border-bottom: 1.5px solid transparent;
  color: var(--navy);
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  font-family: var(--font-display);
  font-size: 14px;
  font-weight: 600;
  padding-bottom: 2px;
  transition: all .15s;
}

.resources-section .topic-links a::after {
  content: "\2192";
  margin-left: 6px;
  font-weight: 400;
  opacity: .55;
  transition: transform .15s;
}

.resources-section .topic-links a:hover {
  border-color: var(--navy);
}

.resources-section .topic-links a:hover::after {
  transform: translateX(2px);
}

.blog-query .wp-block-post-template,
.blog-query .blog-grid-full {
  display: grid !important;
  gap: 28px;
  grid-template-columns: repeat(3, minmax(260px, 1fr)) !important;
  list-style: none;
  margin: 0;
  padding: 0;
}

.blog-query .wp-block-post-template > li,
.blog-query .blog-grid-full > li {
  margin: 0 !important;
  max-width: none !important;
  width: auto !important;
}

.blog-query .blog-card-full {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-xl);
  box-shadow: none;
  display: flex;
  flex-direction: column;
  height: 100%;
  overflow: hidden;
  transition: box-shadow .2s, transform .2s;
}

.blog-query .blog-card-full:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-3px);
}

.blog-query .blog-img {
  background: var(--navy-mid);
  min-height: 200px;
}

.blog-query .blog-img img {
  height: 100%;
  object-fit: cover;
  width: 100%;
}

.blog-query .blog-body {
  display: flex;
  flex: 1;
  flex-direction: column;
  padding: 22px;
}

.blog-query .wp-block-post-excerpt {
  flex: 1;
}

.blog-tag-inline a {
  background: var(--blue);
  border-radius: 20px;
  color: var(--white);
  display: inline-flex;
  font-family: var(--font-display);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .06em;
  margin-bottom: 10px;
  padding: 4px 10px;
  text-transform: uppercase;
}

.blog-query .wp-block-post-title a {
  color: var(--text);
  text-decoration: none;
}

.blog-query .wp-block-post-excerpt__more-link {
  color: var(--blue);
  display: inline-flex;
  font-family: var(--font-display);
  font-size: 14px;
  font-weight: 600;
  margin-top: 12px;
  text-decoration: none;
}

/* ── Calculators page additions ─────────────────────────── */
.calc-page-grid {
  display: grid;
  gap: 32px;
  grid-template-columns: 1fr 1fr;
  margin-top: 48px;
}

.calc-full-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-xl);
  box-shadow: var(--shadow);
  padding: 40px;
}

.calc-full-card h3 {
  margin-bottom: 6px;
}

.calc-full-card .card-desc {
  border-bottom: 1px solid var(--border);
  color: var(--text-muted);
  font-size: 14px;
  margin-bottom: 28px;
  padding-bottom: 28px;
}

.range-wrap {
  position: relative;
}

.range-wrap input[type=range] {
  accent-color: var(--blue);
  margin-top: 8px;
  width: 100%;
}

.range-labels {
  color: var(--text-faint);
  display: flex;
  font-family: var(--font-display);
  font-size: 11px;
  font-weight: 600;
  justify-content: space-between;
  margin-top: 4px;
}

.result-full {
  background: var(--navy);
  border-radius: var(--r-lg);
  display: none;
  margin: 24px 0 0;
  padding: 24px 28px;
}

.result-full.visible {
  display: block;
}

.result-full .result-big {
  color: #fff;
  font-family: var(--font-display);
  font-size: 42px;
  font-weight: 800;
  line-height: 1;
  margin-bottom: 16px;
}

.result-full .result-grid {
  border-top: 1px solid rgba(255,255,255,.12);
  display: grid;
  gap: 16px;
  grid-template-columns: repeat(3, 1fr);
  padding-top: 16px;
}

.result-full .result-cell label {
  color: rgba(255,255,255,.45);
  display: block;
  font-family: var(--font-display);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: .05em;
  margin-bottom: 3px;
  text-transform: uppercase;
}

.result-full .result-cell span {
  color: #fff;
  font-family: var(--font-display);
  font-size: 18px;
  font-weight: 700;
}

.disclaimer-note {
  color: var(--text-faint);
  font-size: 12px;
  line-height: 1.6;
  margin-top: 16px;
}

.lead-capture {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  margin-top: 20px;
  padding: 24px;
}

.lead-capture h4 {
  font-size: 16px;
  margin-bottom: 8px;
}

.lead-capture p {
  color: var(--text-muted);
  font-size: 13px;
  margin-bottom: 16px;
}

.lead-capture-row {
  display: grid;
  gap: 12px;
  grid-template-columns: 1fr 1fr;
}

.stamp-states {
  display: grid;
  gap: 10px;
  grid-template-columns: 1fr 1fr;
  margin-bottom: 20px;
}

.state-btn {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--r);
  color: var(--text-muted);
  cursor: pointer;
  font-family: var(--font-display);
  font-size: 13px;
  font-weight: 600;
  padding: 10px 14px;
  text-align: center;
  transition: all .15s;
}

.state-btn:hover {
  border-color: var(--blue);
  color: var(--blue);
}

.state-btn.active {
  background: var(--navy);
  border-color: var(--navy);
  color: #fff;
}

/* ── Contact page additions ─────────────────────────────── */
.contact-hero-grid {
  align-items: start;
  display: grid;
  gap: 64px;
  grid-template-columns: 1fr 1fr;
  margin-top: 48px;
}

.enquiry-form {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-xl);
  box-shadow: var(--shadow-lg);
  padding: 44px;
}

.enquiry-form h3 {
  font-size: 26px;
  margin-bottom: 6px;
}

.enquiry-form .sub {
  border-bottom: 1px solid var(--border);
  color: var(--text-muted);
  font-size: 15px;
  margin-bottom: 32px;
  padding-bottom: 32px;
}

.loan-type-grid {
  display: grid;
  gap: 10px;
  grid-template-columns: 1fr 1fr;
}

.loan-type-btn,
.timeline-btn {
  background: var(--white);
  border: 1.5px solid var(--border);
  color: var(--text-muted);
  cursor: pointer;
  font-family: var(--font-display);
  font-size: 13px;
  font-weight: 600;
  transition: all .15s;
}

.loan-type-btn {
  align-items: flex-start;
  border-radius: var(--r);
  display: flex;
  gap: 8px;
  padding: 11px 14px;
  text-align: left;
}

.loan-type-btn span {
  display: grid;
  gap: 2px;
  line-height: 1.25;
}

.loan-type-btn small {
  color: var(--text-faint);
  font-family: var(--font-body);
  font-size: 11px;
  font-weight: 500;
  line-height: 1.35;
}

.loan-type-btn.selected small {
  color: rgba(255,255,255,.72);
}

.form-section-title {
  color: var(--navy);
  font-size: 18px;
  margin-bottom: 6px;
}

.form-helper {
  color: var(--text-muted);
  font-size: 13px;
  line-height: 1.55;
}

.timeline-group {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 8px;
}

.timeline-btn {
  border-radius: 20px;
  padding: 9px 16px;
}

.loan-type-btn:hover,
.timeline-btn:hover {
  border-color: var(--blue);
  color: var(--blue);
}

.loan-type-btn.selected {
  background: var(--navy);
  border-color: var(--navy);
  color: #fff;
}

.timeline-btn.selected {
  background: var(--blue);
  border-color: var(--blue);
  color: #fff;
}

.booking-layout {
  align-items: start;
  display: grid;
  gap: 48px;
  grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr);
}

.booking-summary h2,
.booking-widget-header h2 {
  color: var(--navy);
  font-size: clamp(28px, 3vw, 38px);
  margin-bottom: 16px;
}

.booking-points {
  display: grid;
  gap: 20px;
  margin: 30px 0;
}

.booking-point {
  align-items: flex-start;
  display: flex;
  gap: 14px;
}

.booking-point-icon {
  align-items: center;
  background: var(--blue-light);
  border-radius: 50%;
  color: var(--blue);
  display: flex;
  flex: 0 0 42px;
  height: 42px;
  justify-content: center;
}

.booking-point h3 {
  color: var(--navy);
  font-size: 16px;
  margin: 2px 0 5px;
}

.booking-point p,
.booking-note,
.booking-direct-link,
.booking-widget-fallback p {
  color: var(--text-muted);
  font-size: 14px;
  line-height: 1.6;
}

.booking-note {
  margin: 0 0 22px;
}

.booking-widget-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  box-shadow: 0 18px 44px rgba(12, 25, 55, .08);
  padding: 30px;
}

.booking-widget-header {
  margin-bottom: 18px;
}

.booking-widget-header h2 {
  margin-bottom: 0;
}

.booking-direct-link {
  margin: 16px 0 0;
}

.booking-direct-link a,
.booking-note a {
  color: var(--blue);
  font-weight: 700;
}

.booking-widget-fallback {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--r);
  margin-top: 20px;
  padding: 20px;
}

.booking-widget-fallback p {
  margin: 0 0 14px;
}

@media (max-width: 900px) {
  .booking-layout { grid-template-columns: 1fr; }
}

@media (max-width: 560px) {
  .booking-widget-card { padding: 20px 14px; }
  .booking-widget-card .calendly-inline-widget { min-width: 0 !important; }
}

.loan-type-icon {
  flex-shrink: 0;
  height: 20px;
  width: 20px;
}

.step-indicator {
  display: flex;
  gap: 6px;
  margin-bottom: 28px;
}

.step-dot {
  background: var(--border);
  border-radius: 50%;
  height: 8px;
  transition: background .2s;
  width: 8px;
}

.step-dot.active {
  background: var(--blue);
}

.step-dot.done {
  background: var(--navy);
}

.form-step {
  display: none;
}

.form-step.active {
  display: block;
}

.success-state {
  display: none;
  padding: 20px 0;
  text-align: center;
}

.success-icon {
  align-items: center;
  background: var(--blue-light);
  border-radius: 50%;
  color: var(--blue);
  display: flex;
  height: 72px;
  justify-content: center;
  margin: 0 auto 20px;
  width: 72px;
}

.compact-borrowing-hero {
  padding: 52px 0 56px;
}

.compact-borrowing-hero .lead {
  max-width: 700px;
}

.compact-borrowing-hero .hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 0;
  margin-top: 28px;
}

.compact-borrowing-page {
  background: var(--off-white);
}

.compact-borrowing-grid {
  align-items: start;
  display: grid;
  gap: 28px;
  grid-template-columns: minmax(0, 1.05fr) minmax(360px, .75fr);
}

.compact-borrowing-main {
  display: grid;
  gap: 22px;
}

.compact-panel,
.compact-enquiry-form {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow);
}

.compact-panel {
  padding: 28px;
}

.compact-calculator {
  border-color: #dce1eb;
  box-shadow: 0 12px 30px rgba(18, 27, 66, .08);
}

.compact-section-heading {
  margin-bottom: 20px;
}

.compact-section-heading h2,
.compact-explainer h2,
.compact-faq h2 {
  font-size: clamp(26px, 3vw, 36px);
  margin-bottom: 10px;
}

.compact-section-heading p,
.compact-explainer p,
.compact-faq p {
  color: var(--text-muted);
  line-height: 1.65;
}

.compact-calc-fields {
  display: grid;
  gap: 14px;
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.compact-field-section {
  border-top: 1px solid var(--border);
  margin-top: 22px;
  padding-top: 20px;
}

.compact-field-section-heading {
  align-items: baseline;
  display: flex;
  gap: 10px;
  justify-content: space-between;
  margin-bottom: 14px;
}

.compact-field-section-heading h3 {
  color: var(--navy);
  font-size: 17px;
  margin: 0;
}

.compact-field-section-heading p {
  color: var(--text-muted);
  font-size: 13px;
  margin: 0;
  text-align: right;
}

.compact-field-section .form-group {
  margin-bottom: 0;
}

.compact-result {
  margin-top: 20px;
}

.compact-result .result-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.compact-explainer {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  display: grid;
  gap: 24px;
  grid-template-columns: .75fr 1fr;
  padding: 28px;
}

.compact-points {
  display: grid;
  gap: 12px;
}

.compact-points div {
  border-left: 3px solid var(--blue);
  padding-left: 14px;
}

.compact-points strong,
.compact-points span {
  display: block;
}

.compact-points strong {
  color: var(--navy);
  font-family: var(--font-display);
  font-size: 15px;
  margin-bottom: 2px;
}

.compact-points span {
  color: var(--text-muted);
  font-size: 14px;
  line-height: 1.5;
}

.compact-enquiry-card {
  position: sticky;
  top: calc(var(--nav-h) + 20px);
}

.compact-enquiry-form {
  padding: 28px;
}

.compact-enquiry-page {
  background: var(--off-white);
}

.compact-enquiry-wrap {
  margin: 0 auto;
  max-width: 760px;
}

.compact-enquiry-form h3 {
  font-size: 24px;
}

.compact-enquiry-form .sub {
  margin-bottom: 20px;
  padding-bottom: 20px;
}

.compact-enquiry-form .step-indicator {
  margin-bottom: 20px;
}

.compact-enquiry-form .form-row {
  gap: 12px;
}

.compact-enquiry-form .form-group {
  margin-bottom: 14px;
}

.compact-context {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 14px;
}

.compact-legal-note {
  color: var(--text-faint);
  font-size: 12px;
  line-height: 1.55;
  margin-top: 10px;
}

.compact-faq {
  display: grid;
  gap: 18px;
  max-width: 860px;
}

.compact-faq h3 {
  color: var(--navy);
  font-size: 18px;
  margin-bottom: 4px;
}

.why-item {
  align-items: flex-start;
  border-bottom: 1px solid var(--border);
  display: flex;
  gap: 14px;
  padding: 18px 0;
}

.why-icon {
  align-items: center;
  background: var(--blue-light);
  border-radius: var(--r-lg);
  color: var(--blue);
  display: flex;
  flex-shrink: 0;
  height: 44px;
  justify-content: center;
  width: 44px;
}

.contact-methods {
  display: flex;
  flex-direction: column;
  gap: 0;
  margin-top: 40px;
}

@media (max-width: 900px) {
  .calc-page-grid,
  .contact-hero-grid,
  .compact-borrowing-grid,
  .compact-explainer {
    grid-template-columns: 1fr;
  }

  .compact-enquiry-card {
    position: static;
  }

  .blog-query .wp-block-post-template,
  .blog-query .blog-grid-full {
    grid-template-columns: repeat(2, minmax(0, 1fr)) !important;
  }

  .result-full .result-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 600px) {
  .blog-query .wp-block-post-template,
  .blog-query .blog-grid-full,
  .lead-capture-row,
  .loan-type-grid,
  .compact-calc-fields {
    grid-template-columns: 1fr !important;
  }

  .blog-query .wp-block-post-template > li,
  .blog-query .blog-grid-full > li {
    width: 100% !important;
  }

  .enquiry-form,
  .calc-full-card,
  .compact-panel {
    padding: 28px 22px;
  }

  .compact-enquiry-form {
    padding: 24px 18px;
  }

  .compact-result .result-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 768px) {
  .team-cards {
    grid-template-columns: 1fr !important;
  }
}

/* ── Mobile polish ──────────────────────────────────────── */
body {
  overflow-x: hidden;
}

.btn,
.mobile-nav a,
.nav-toggle,
.loan-type-btn,
.timeline-btn,
.state-btn {
  -webkit-tap-highlight-color: rgba(46,62,200,.16);
}

.mobile-nav a.btn {
  align-items: center;
  display: flex;
  justify-content: center;
  margin-top: 8px;
}

@media (max-width: 1024px) {
  .lender-bar-inner {
    align-items: flex-start;
    flex-direction: column;
    gap: 16px;
    width: 100%;
  }

  .team-grid {
    gap: 40px;
  }

  .team-grid > div[style*="min-height:380px"] {
    min-height: 300px !important;
  }

  .team-grid image-slot[style*="height:380px"] {
    height: 300px !important;
  }

  #accreditations .container > div[style*="grid-template-columns"] {
    grid-template-columns: repeat(2, minmax(0, 1fr)) !important;
  }
}

@media (max-width: 768px) {
  :root {
    --nav-h: 64px;
    --pad-x: 18px;
    --section: 56px;
  }

  .site-header .container {
    gap: 16px;
  }

  .logo .logo-submark {
    height: 32px;
  }

  .logo .wm-galway {
    font-size: 15px;
  }

  .logo .wm-finance {
    font-size: 8px;
    letter-spacing: .34em;
  }

  .nav-toggle {
    align-items: center;
    border-radius: var(--r-sm);
    height: 44px;
    justify-content: center;
    margin-right: -6px;
    width: 44px;
  }

  .nav-toggle[aria-expanded="true"] span:nth-child(1) {
    transform: translateY(7px) rotate(45deg);
  }

  .nav-toggle[aria-expanded="true"] span:nth-child(2) {
    opacity: 0;
  }

  .nav-toggle[aria-expanded="true"] span:nth-child(3) {
    transform: translateY(-7px) rotate(-45deg);
  }

  .mobile-nav {
    box-shadow: var(--shadow-lg);
    max-height: calc(100vh - var(--nav-h));
    overflow-y: auto;
    padding-bottom: max(20px, env(safe-area-inset-bottom));
  }

  .mobile-nav a {
    min-height: 44px;
    padding: 11px 14px;
  }

  .hero {
    align-items: flex-start;
    min-height: 0;
    padding: 64px 0 52px;
  }

  .hero::after,
  .calc-section::after,
  .cta-banner::before {
    opacity: .035;
    width: 90%;
  }

  .hero-content h1 {
    margin-bottom: 16px;
  }

  .hero-lead {
    margin-bottom: 28px;
  }

  .hero-actions,
  .cta-banner-actions {
    gap: 10px;
    margin-bottom: 34px;
  }

  .hero-trust {
    display: grid;
    gap: 16px;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    padding-top: 24px;
  }

  .trust-divider {
    display: none;
  }

  .trust-item {
    text-align: left;
  }

  .lender-bar {
    padding: 28px 0;
  }

  .lender-bar-label {
    white-space: normal;
  }

  .lender-scroll {
    display: grid;
    gap: 10px;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    overflow: visible;
    width: 100%;
  }

  .lender-pill {
    align-items: center;
    display: flex;
    justify-content: center;
    min-height: 38px;
    min-width: 0;
    overflow-wrap: anywhere;
    padding-inline: 12px;
    text-align: center;
    white-space: normal;
  }

  .services-grid,
  .testi-grid,
  .blog-grid,
  .values-grid,
  .blog-query .wp-block-post-template,
  .blog-query .blog-grid-full {
    gap: 18px;
    grid-template-columns: 1fr !important;
  }

  .service-card,
  .testi-card,
  .value-card,
  .blog-card-body {
    padding: 24px;
  }

  .steps-grid {
    gap: 28px;
  }

  .step {
    text-align: left;
  }

  .step-num {
    margin-left: 0;
  }

  .calc-grid {
    gap: 32px;
    max-width: none;
  }

  .calc-intro {
    text-align: left;
  }

  .calc-card,
  .calc-full-card,
  .enquiry-form,
  .contact-form {
    border-radius: var(--r-lg);
    padding: 28px 22px;
  }

  .calc-tabs {
    margin-bottom: 22px;
  }

  .calc-tab {
    align-items: center;
    display: flex;
    justify-content: center;
    min-height: 42px;
  }

  .result-amount,
  .result-full .result-big {
    font-size: clamp(28px, 10vw, 36px);
    overflow-wrap: anywhere;
  }

  .result-breakdown,
  .result-full .result-grid {
    grid-template-columns: 1fr;
  }

  .lead-capture,
  .result-full {
    padding: 20px;
  }

  .stamp-states {
    grid-template-columns: 1fr;
  }

  .state-btn,
  .loan-type-btn,
  .timeline-btn {
    min-height: 44px;
  }

  .timeline-btn {
    border-radius: var(--r);
    flex: 1 1 calc(50% - 10px);
  }

  .contact-hero-grid {
    gap: 40px;
    margin-top: 36px;
  }

  .contact-method {
    gap: 12px;
  }

  .contact-method a,
  .footer-contact a {
    overflow-wrap: anywhere;
  }

  .stats-grid {
    gap: 24px 12px;
  }

  .stat-number {
    font-size: 34px;
  }

  .footer-grid {
    gap: 36px 24px;
  }

  .footer-bottom {
    flex-direction: column;
    gap: 16px;
  }

  .footer-disclaimer {
    max-width: none;
  }

  .footer-legal {
    flex-wrap: wrap;
  }

  .single-post-shell {
    padding-block: 72px 56px;
  }
}

@media (max-width: 600px) {
  input[type=number],
  input[type=text],
  input[type=email],
  input[type=tel],
  select,
  textarea {
    font-size: 16px;
  }

  .calc-page-grid {
    gap: 24px;
    margin-top: 32px;
  }

  .lead-capture-row,
  .inline-capture-fields,
  .loan-type-grid,
  .form-row {
    grid-template-columns: 1fr;
  }

  .resources-section .topic-links {
    flex-wrap: nowrap;
    margin-inline: calc(var(--pad-x) * -1);
    overflow-x: auto;
    padding-inline: var(--pad-x);
    -webkit-overflow-scrolling: touch;
  }

  .resources-section .topic-links li,
  .resources-section .topic-links a,
  .filter-btn {
    flex: 0 0 auto;
  }

  #stamp-content {
    padding: 24px 20px !important;
  }

  #stamp-content div[style*="grid-template-columns"] {
    grid-template-columns: 1fr !important;
  }

  .enquiry-form h3 {
    font-size: 23px;
  }

  .form-step > div[style*="display:flex"],
  .success-state div[style*="background"] + a {
    width: 100%;
  }

  .form-step > div[style*="display:flex"] {
    flex-direction: column;
  }

  .form-step > div[style*="display:flex"] .btn {
    justify-content: center;
    width: 100%;
  }

  #accreditations .container > div[style*="grid-template-columns"] {
    grid-template-columns: 1fr !important;
  }
}

@media (max-width: 480px) {
  h1 {
    font-size: clamp(34px, 11vw, 42px);
  }

  h2 {
    font-size: clamp(27px, 9vw, 34px);
  }

  .btn,
  .btn-lg {
    justify-content: center;
    min-height: 46px;
    padding-inline: 18px;
    white-space: normal;
  }

  .hero h1 br {
    display: none;
  }

  .hero-actions .btn,
  .cta-banner-actions .btn {
    width: 100%;
  }

  .hero-trust {
    gap: 14px 12px;
  }

  .trust-item strong {
    font-size: 20px;
  }

  .service-card,
  .testi-card,
  .value-card,
  .calc-card,
  .calc-full-card,
  .enquiry-form,
  .contact-form {
    padding: 22px 18px;
  }

  .calc-tabs {
    align-items: stretch;
  }

  .calc-tab {
    font-size: 12px;
    padding-inline: 8px;
  }

  .timeline-btn {
    flex-basis: 100%;
  }

  .why-icon,
  .contact-method-icon {
    height: 40px;
    width: 40px;
  }

  .sticky-cta-inner {
    align-items: stretch;
    gap: 10px;
    padding-block: 10px;
  }

  .sticky-cta-actions {
    flex: 1;
    gap: 10px;
    justify-content: space-between;
    min-width: 0;
  }

  .sticky-phone {
    font-size: 14px;
    overflow-wrap: anywhere;
  }

  .sticky-cta .btn {
    flex: 1;
    min-width: 0;
    padding-inline: 12px;
  }

  .footer-legal {
    gap: 12px 18px;
  }
}

@media (max-width: 360px) {
  :root {
    --pad-x: 16px;
  }

  .logo {
    gap: 9px;
  }

  .logo .logo-submark {
    height: 30px;
  }

  .logo .wm-galway {
    font-size: 14px;
  }

  .logo .wm-finance {
    letter-spacing: .28em;
  }

  .hero-trust,
  .stats-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 900px) {
  .lender-bar-inner {
    align-items: stretch !important;
    display: flex !important;
    flex-direction: column !important;
    gap: 16px !important;
    width: 100% !important;
  }

  .lender-bar-label {
    display: block !important;
    white-space: normal !important;
    width: 100% !important;
  }

  .lender-scroll {
    display: grid !important;
    gap: 10px !important;
    grid-template-columns: repeat(2, minmax(0, 1fr)) !important;
    margin-inline: 0 !important;
    max-width: 100% !important;
    overflow: visible !important;
    padding: 0 !important;
    width: 100% !important;
  }

  .lender-pill {
    align-items: center !important;
    display: flex !important;
    justify-content: center !important;
    min-height: 38px !important;
    min-width: 0 !important;
    overflow-wrap: anywhere !important;
    text-align: center !important;
    white-space: normal !important;
    width: 100% !important;
  }
}

/* ── Services Nav Dropdown ───────────────────────────────── */
.nav-dropdown {
  position: relative;
}

.nav-dropdown-trigger {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-family: var(--font-display);
  font-size: 14px;
  font-weight: 500;
  color: var(--text-muted);
  padding: 6px 14px;
  border-radius: var(--r-sm);
  transition: color .15s, background .15s;
  cursor: pointer;
  background: none;
  border: none;
}

.nav-dropdown-trigger:hover {
  color: var(--navy);
  background: var(--grey-light);
}

.nav-dropdown-arrow {
  transition: transform .2s ease;
  flex-shrink: 0;
}

.nav-dropdown.open .nav-dropdown-trigger {
  color: var(--navy);
  background: var(--grey-light);
}

.nav-dropdown.open .nav-dropdown-arrow {
  transform: rotate(180deg);
}

.nav-dropdown-menu {
  position: absolute;
  top: calc(100% + 6px);
  left: 50%;
  transform: translateX(-50%);
  min-width: 220px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-lg);
  padding: 6px;
  z-index: 200;
  display: none;
  flex-direction: column;
}

.nav-dropdown.open .nav-dropdown-menu {
  display: flex;
}

.nav-dropdown-menu a {
  display: block;
  font-family: var(--font-display);
  font-size: 14px;
  font-weight: 500;
  color: var(--text-muted);
  padding: 9px 14px;
  border-radius: var(--r-sm);
  transition: color .12s, background .12s;
  white-space: nowrap;
}

.nav-dropdown-menu a:first-child {
  color: var(--navy);
  font-weight: 600;
  border-bottom: 1px solid var(--border);
  margin-bottom: 4px;
  padding-bottom: 12px;
}

.nav-dropdown-menu a:hover {
  color: var(--navy);
  background: var(--grey-light);
}

/* ── Mobile Services Accordion ───────────────────────────── */
.mobile-nav-accordion { display: flex; flex-direction: column; }

.mobile-nav-accordion-trigger {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  padding: 11px 14px;
  min-height: 44px;
  font-family: var(--font-display);
  font-size: 15px;
  font-weight: 500;
  color: var(--text-muted);
  border-radius: var(--r-sm);
  transition: color .15s, background .15s;
  background: none;
  border: none;
  cursor: pointer;
}

.mobile-nav-accordion-trigger:hover {
  color: var(--navy);
  background: var(--grey-light);
}

.mobile-nav-accordion.open .mobile-nav-accordion-trigger {
  color: var(--navy);
  background: var(--grey-light);
}

.mobile-nav-accordion.open .nav-dropdown-arrow {
  transform: rotate(180deg);
}

.mobile-nav-accordion-menu {
  display: none;
  flex-direction: column;
  padding: 4px 0 4px 14px;
  border-left: 2px solid var(--blue-light);
  margin: 0 14px 6px;
}

.mobile-nav-accordion.open .mobile-nav-accordion-menu {
  display: flex;
}

.mobile-nav-accordion-menu a {
  padding: 9px 10px;
  font-size: 14px;
  color: var(--text-muted);
  border-radius: var(--r-sm);
  transition: color .12s, background .12s;
}

.mobile-nav-accordion-menu a:first-child {
  font-weight: 600;
  color: var(--navy);
}

.mobile-nav-accordion-menu a:hover {
  color: var(--navy);
  background: var(--grey-light);
}

@media (max-width: 760px) {
  .gf-glossary-list {
    grid-template-columns: 1fr;
  }

  .wp-block-table,
  .gf-table {
    margin-inline: calc(var(--pad-x) * -1);
    padding-inline: var(--pad-x);
  }
}