:root {
  --green: #00683e;
  --green-dark: #004d2e;
  --gold: #c8ae67;
  --gold-deep: #916127;
  --body: #4b4b4b;
  --near-black: #111;
  --footer-bg: #0a0a0a;
  --cream: #f7f5f0;
  --panel-fill: #eef4f0;
  --white: #fff;
  --max: 1100px;
  --font-serif: Georgia, "Times New Roman", serif;
  --font-ui: system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
}
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--body);
  font-family: var(--font-ui);
  font-size: 1.05rem;
  line-height: 1.7;
  background: var(--white);
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--green); text-decoration: none; }
a:hover { color: var(--gold-deep); }
.container { width: min(92%, var(--max)); margin: 0 auto; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.96);
  border-bottom: 1px solid #e8e4dc;
  backdrop-filter: blur(8px);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 1rem; padding: .85rem 0;
}
.logo-link { display: flex; align-items: center; gap: .75rem; color: var(--near-black); }
.logo-link img { width: 48px; height: 48px; object-fit: contain; }
.logo-text { font-family: var(--font-serif); font-weight: 600; font-size: 1rem; line-height: 1.2; }
.logo-text span { display: block; font-size: .75rem; font-weight: 400; color: var(--body); }
.nav { display: flex; flex-wrap: wrap; gap: .35rem 1.1rem; align-items: center; }
.nav a { color: var(--near-black); font-size: .95rem; font-weight: 500; }
.nav a:hover, .nav a[aria-current="page"] { color: var(--green); }
.nav-cta {
  background: var(--green); color: var(--white) !important;
  padding: .5rem 1rem; border-radius: 999px; font-size: .9rem; margin-left: .35rem;
}
.nav-cta:hover { background: var(--green-dark); color: var(--white) !important; }
.card h3 { font-family: Georgia, "Times New Roman", serif !important; }
.nav-toggle {
  display: none; background: none; border: 1px solid #ccc; border-radius: 8px;
  padding: .4rem .6rem; cursor: pointer;
}

/* Hero: calm single panel */
.hero-wrap { background: var(--cream); padding: 2.5rem 0 2.75rem; border-bottom: 1px solid #ebe6dc; }
.hero {
  background: var(--white);
  color: var(--body);
  padding: 2.75rem 2.25rem;
  border-radius: 18px;
  border: 1px solid #ebe6dc;
  box-shadow: 0 12px 40px rgba(0,104,62,.06);
  position: relative;
}
.hero::before {
  content: ""; position: absolute; left: 0; top: 1.25rem; bottom: 1.25rem; width: 4px;
  background: linear-gradient(var(--green), var(--gold)); border-radius: 4px;
}
.hero-kicker {
  letter-spacing: .12em; text-transform: uppercase; font-size: .8rem;
  color: var(--green); margin: 0 0 .75rem; font-weight: 700;
}
.hero h1 {
  font-family: Georgia, "Times New Roman", serif; font-size: clamp(1.9rem, 3.6vw, 2.75rem);
  line-height: 1.18; margin: 0 0 1rem; font-weight: 500; max-width: 18ch; color: var(--near-black);
}
.hero p { max-width: 40rem; margin: 0 0 1.75rem; font-size: 1.08rem; }
.btn-row { display: flex; flex-wrap: wrap; gap: .75rem; }
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: .7rem 1.25rem; border-radius: 999px; font-weight: 600; font-size: .95rem;
  border: 2px solid transparent; cursor: pointer;
}
.btn-primary { background: var(--green); color: var(--white); }
.btn-primary:hover { background: var(--green-dark); color: var(--white); }
.btn-ghost { background: transparent; color: var(--green); border-color: var(--green); }
.btn-ghost:hover { background: var(--green); color: var(--white); }
.btn-gold { background: var(--gold); color: var(--near-black); }
.btn-gold:hover { background: #d4bc78; color: var(--near-black); }

/* Sections */
section { padding: 3.5rem 0; }
.section-label {
  color: var(--green); font-size: .8rem; letter-spacing: .1em;
  text-transform: uppercase; font-weight: 700; margin: 0 0 .5rem;
}
h1, h2, h3 {
  font-family: Georgia, "Times New Roman", serif; color: var(--near-black);
  font-size: clamp(1.6rem, 3vw, 2.2rem); margin: 0 0 1rem; font-weight: 500; line-height: 1.25;
}
.lead { font-size: 1.1rem; max-width: 40rem; margin: 0 0 2rem; }
.band-cream { background: var(--cream); }
.band-green { background: var(--green); color: var(--white); }
.band-green h2, .band-green a { color: var(--white); }
.band-green a:hover { color: var(--gold); }

.card-grid {
  display: grid; gap: 1.25rem;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
}
.card {
  background: var(--white); border: 1px solid #ebe6dc; border-radius: 14px;
  padding: 1.4rem 1.35rem; transition: border-color .2s, box-shadow .2s;
}
.card:hover { border-color: var(--gold); box-shadow: 0 8px 24px rgba(0,0,0,.06); }
.card h3 {
  font-family: var(--font-serif); color: var(--green); margin: 0 0 .5rem;
  font-size: 1.15rem; font-weight: 600;
}
.card p { margin: 0; font-size: .98rem; }
.card a.more { display: inline-block; margin-top: .85rem; font-weight: 600; font-size: .9rem; }

.split {
  display: grid; gap: 2rem; align-items: center;
  grid-template-columns: 1.1fr .9fr;
}
.panel {
  background: var(--panel-fill); border-radius: 16px; padding: 1.75rem;
  border: 1px solid #c2d0c7;
  border-left: 3px solid #c8ae67;
}
.panel ul { margin: 0; padding-left: 1.1rem; }
.panel li { margin-bottom: .45rem; }

/* Contact form */
.form {
  display: grid; gap: 1rem; max-width: 36rem;
}
.form label { display: grid; gap: .35rem; font-weight: 600; color: var(--near-black); font-size: .9rem; }
.form input, .form textarea {
  font: inherit; padding: .7rem .85rem; border: 1px solid #ccc; border-radius: 10px;
  background: var(--white); color: var(--near-black);
}
.form input:focus, .form textarea:focus {
  outline: 2px solid var(--green); outline-offset: 1px; border-color: var(--green);
}
.form button {
  justify-self: start; background: var(--green); color: var(--white);
  border: none; border-radius: 999px; padding: .75rem 1.4rem; font-weight: 600; cursor: pointer;
}
.form button:hover { background: var(--green-dark); }
.address-block { margin-top: 1.5rem; }
.address-block strong { color: var(--near-black); }

/* Page hero (inner) */
.page-hero {
  background: var(--cream); padding: 2.75rem 0 2rem; border-bottom: 1px solid #ebe6dc;
}
.page-hero h1 {
  font-family: var(--font-serif); color: var(--near-black);
  font-size: clamp(1.8rem, 3vw, 2.5rem); margin: 0 0 .5rem; font-weight: 500;
}

/* Footer */
.site-footer {
  background: var(--footer-bg); color: #c9c9c9; padding: 2.5rem 0 2rem; font-size: .85rem; line-height: 1.65;
}
.site-footer a { color: var(--gold); }
.site-footer a:hover { color: #e0c98a; }
.footer-reg { max-width: 58rem; margin-bottom: 1rem; }
.footer-legal { display: flex; flex-wrap: wrap; gap: .35rem .9rem; margin-bottom: 1rem; }
.footer-copy { opacity: .75; }
.footer-approval { opacity: .75; font-style: italic; }

/* WhatsApp float */
.wa-float {
  position: fixed; right: 1.1rem; bottom: 1.1rem; z-index: 60;
  display: inline-flex; align-items: center; gap: .55rem;
  background: #25d366; color: #fff !important; font-weight: 600; font-size: .95rem;
  padding: .75rem 1.05rem; border-radius: 999px;
  box-shadow: 0 10px 28px rgba(0,0,0,.22);
}
.wa-float:hover { background: #1ebe57; color: #fff !important; }
.wa-float svg { width: 22px; height: 22px; flex-shrink: 0; }

@media (max-width: 820px) {
  .nav-toggle { display: inline-block; }
  .nav {
    display: none; position: absolute; left: 0; right: 0; top: 100%;
    background: var(--white); border-bottom: 1px solid #e8e4dc;
    padding: 1rem 4%; flex-direction: column; align-items: flex-start;
  }
  .nav.open { display: flex; }
  .split { grid-template-columns: 1fr; }
}


/* Your journey */
.journey-strip {
  display: grid;
  gap: 0;
  grid-template-columns: repeat(4, 1fr);
  background: var(--white);
  border: 1px solid #ebe6dc;
  border-radius: 18px;
  overflow: hidden;
  box-shadow: 0 12px 40px rgba(0,104,62,.06);
}
.journey-step {
  padding: 1.5rem 1.25rem 1.6rem;
  position: relative;
}
.journey-step:not(:last-child)::after {
  content: "";
  position: absolute;
  right: 0; top: 18%; bottom: 18%;
  width: 1px;
  background: linear-gradient(var(--gold), transparent);
}
.journey-num {
  display: inline-flex; align-items: center; justify-content: center;
  width: 2rem; height: 2rem; border-radius: 999px;
  background: var(--green); color: #fff;
  font-weight: 700; font-size: .9rem; margin-bottom: .75rem;
}
.journey-step h3 {
  margin: 0 0 .45rem; color: var(--near-black); font-size: 1.1rem;
  font-family: Georgia, "Times New Roman", serif;
}
.journey-step p { margin: 0; font-size: .95rem; }
.journey-note {
  margin-top: 1.25rem; padding: 1rem 1.15rem;
  background: var(--cream); border-radius: 12px; border: 1px solid #ebe6dc;
  font-size: .95rem;
}
@media (max-width: 900px) {
  .journey-strip { grid-template-columns: 1fr 1fr; }
  .journey-step:nth-child(2)::after { display: none; }
}
@media (max-width: 560px) {
  .journey-strip { grid-template-columns: 1fr; }
  .journey-step:not(:last-child)::after {
    right: 10%; left: 10%; top: auto; bottom: 0; width: auto; height: 1px;
    background: linear-gradient(90deg, transparent, var(--gold), transparent);
  }
}

.quals-expand {
  margin: .15rem 0 0;
  font-size: .92rem;
  color: #6a6a6a;
}

.footer-nap { margin: 0 0 1rem; max-width: 40rem; }

/* Compliance: risk warnings + FOS (Sep 2025) */
.risk-warning {
  margin: 1.5rem 0 0;
  padding: 1rem 1.15rem;
  background: #f7f6f2;
  border-left: 3px solid var(--green, #0e6b68);
  color: #333;
  font-size: 0.95rem;
  line-height: 1.55;
}
.risk-warning p { margin: 0 0 0.75rem; }
.risk-warning p:last-child { margin-bottom: 0; }
.risk-warning--mortgage {
  border: 2px solid #1a1a1a;
  border-left: 2px solid #1a1a1a;
  background: #fff;
  font-weight: 700;
}
.footer-fos {
  max-width: 58rem;
  margin: 0 0 1rem;
  font-size: 0.85rem;
  line-height: 1.65;
}
.footer-fos a { word-break: break-all; }

/* Contact form: on-page success (no FormSubmit thank-you jump) */
.form .hp-field {
  display: none !important;
  visibility: hidden !important;
  position: absolute !important;
  width: 0 !important;
  height: 0 !important;
  opacity: 0 !important;
  pointer-events: none !important;
}
.form-status {
  padding: 0.85rem 1rem;
  border-radius: 8px;
  font-size: 0.95rem;
  line-height: 1.45;
  margin: 0 0 0.75rem;
  background: #f7f6f2;
  color: var(--near-black, #1a1a1a);
}
.form-status--ok {
  background: #e8f5ef;
  border: 1px solid var(--green, #0e6b68);
  color: var(--green-dark, #0a524f);
  font-weight: 600;
}
.form-status--err {
  background: #fdecec;
  border: 1px solid #c44;
  color: #8a1f1f;
}
.form button:disabled { opacity: 0.65; cursor: wait; }

/* Insights index + post template */
.insight-list {
  /* Newest-first vertical list; each card is one live post */
  display: grid; gap: 1.25rem;
  grid-template-columns: 1fr;
  max-width: 40rem;
}
.insight-card {
  background: var(--white); border: 1px solid #ebe6dc; border-radius: 14px;
  padding: 1.4rem 1.35rem; transition: border-color .2s, box-shadow .2s;
}
.insight-card:hover { border-color: var(--gold); box-shadow: 0 8px 24px rgba(0,0,0,.06); }
.insight-card h2 {
  font-family: var(--font-serif); color: var(--green); margin: 0 0 .5rem;
  font-size: 1.2rem; font-weight: 600; line-height: 1.35;
}
.insight-card h2 a { color: inherit; }
.insight-card h2 a:hover { color: var(--gold-deep); }
.insight-card p { margin: 0; font-size: .98rem; }
.insight-card a.more { display: inline-block; margin-top: .85rem; font-weight: 600; font-size: .9rem; }

.post-meta {
  display: flex; flex-direction: column; align-items: flex-start; gap: .2rem;
  margin: .35rem 0 0; font-size: .92rem; color: #6a6a6a;
}
.post-meta .post-dates { display: block; letter-spacing: 0; }
.post-byline { color: var(--body); }
.coming-soon {
  display: inline-block; font-size: .75rem; font-weight: 700; letter-spacing: .06em;
  text-transform: uppercase; color: var(--green-dark);
  background: #e8f5ef; border: 1px solid var(--green); border-radius: 999px;
  padding: .2rem .65rem;
}
.post-body { max-width: 42rem; overflow-x: clip; }
.post-standfirst {
  font-size: 1.12rem; color: var(--near-black); margin: 0 0 1.25rem; line-height: 1.55;
}
.post-content p { margin: 0 0 1rem; }
.post-edu-close {
  margin: 2rem 0 1.5rem; padding: 1rem 1.15rem;
  background: var(--cream); border-left: 3px solid var(--gold); border-radius: 0 10px 10px 0;
  font-size: .95rem; line-height: 1.55;
}
.post-edu-close p { margin: 0; }
.post-back { margin: 1.5rem 0 0; font-weight: 600; }
.footer-nav { margin: 0 0 1rem; }
.footer-nav a { font-weight: 600; }

.post-content h2 {
  font-family: var(--font-serif); color: var(--green); font-size: 1.35rem;
  font-weight: 600; margin: 1.75rem 0 .75rem; line-height: 1.3;
}
.post-content ul { margin: 0 0 1rem; padding-left: 1.25rem; }
.post-content li { margin: 0 0 .4rem; }
.post-content table {
  width: 100%; max-width: 100%; border-collapse: collapse; margin: 0 0 1.25rem;
  font-size: .95rem; table-layout: fixed;
}
.post-content th, .post-content td {
  border: 1px solid #ebe6dc; padding: .55rem .7rem; text-align: left;
  vertical-align: top;
}
.post-content th { background: var(--cream); color: var(--green-dark); font-weight: 600; }
.post-content .post-sources { margin-top: 1.5rem; }
.post-content .post-sources li { margin-bottom: .35rem; word-break: break-word; }
.post-byline-block { margin: 1.25rem 0 0; font-style: italic; }
.promo-ref { font-size: .8rem; opacity: .7; margin: .35rem 0 0; }

/* Town landings + related-planning inserts */
.related-panel {
  background: var(--panel-fill);
  border: 1px solid #c2d0c7;
  border-left: 3px solid #c8ae67;
  border-radius: 12px;
  padding: 1.35rem 1.5rem;
  margin: 1.5rem 0;
}
.related-panel h2 { margin-top: 0; }
.geo-line { margin: .35rem 0; }
.geo-line strong { color: var(--near-black); }
.town-disclaimer { font-size: .95rem; color: #555; margin-top: 1.5rem; }
.town-byline { font-style: italic; margin-top: 1.75rem; color: var(--near-black); }
.town-crosslinks { margin-top: 1.25rem; font-size: .95rem; }
.town-content { padding: 2rem 0 2.5rem; }
.town-content > .container > p { margin: 0 0 1rem; }
.town-content ul { margin: 0 0 1.25rem; padding-left: 1.25rem; }
.town-content li { margin: .35rem 0; }
.cta-panel {
  background: var(--panel-fill);
  border: 1px solid #c2d0c7;
  border-left: 3px solid #c8ae67;
  border-radius: 12px;
  padding: 1.35rem 1.5rem;
  margin: 2rem 0 1.25rem;
}
.cta-panel h2 { margin-top: 0; }
.local-links {
  margin: 1.5rem 0 0;
  font-size: .98rem;
}

/* Local footer (Celebrimbor design, 11 Oct 2026) */
.site-footer { padding: 3rem 0 1.5rem; font-size: .95rem; }
.f-grid { display: grid; grid-template-columns: 1.3fr 1fr 1fr; gap: 2rem; }
.f-name { font-family: var(--serif, Georgia, "Times New Roman", serif); color: #fff; font-size: 1.2rem; margin: 0 0 .5rem; }
.f-h { color: #fff; font-size: .8rem; letter-spacing: .1em; text-transform: uppercase; margin: 0 0 .6rem; }
.f-list { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: .35rem 1.1rem; }
.f-list li { margin: 0; }
.f-phone { font-size: 1.15rem; font-weight: 600; }
.f-reg { border-top: 1px solid #2a2a2a; margin-top: 2rem; padding-top: 1.25rem; font-size: .78rem; line-height: 1.6; color: #9a9a9a; }
.f-reg p { margin: 0 0 .6rem; }
.f-reg .footer-fos { font-size: .78rem; line-height: 1.6; }
.footer-approval-slot { margin-top: .6rem; }
@media (max-width: 760px) { .f-grid { grid-template-columns: 1fr; } }

/* Wave 1 page components (Oct 2026) */
section.w1-block { padding: 3rem 0; }
.w1-grid { margin-top: .5rem; }
.w1-grid .card p { margin: 0 0 .5rem; }
.w1-grid .card .journey-num { margin-bottom: .5rem; }
.w1-md { max-width: 48rem; }
.w1-md h3 { font-size: 1.2rem; margin: 1.6rem 0 .4rem; }
.w1-md table { border-collapse: collapse; width: 100%; margin: 1rem 0; background: var(--white); }
.w1-md th, .w1-md td { border: 1px solid #e3ddd0; padding: .5rem .8rem; text-align: left; }
.w1-md th { background: #f1ede4; }
.w1-faq details { border: 1px solid #ebe6dc; border-radius: 12px; background: var(--white); margin-bottom: .6rem; padding: .9rem 1.2rem; }
.w1-faq summary { cursor: pointer; font-weight: 600; color: var(--near-black); }
.w1-faq details p { margin: .6rem 0 0; }
main blockquote { margin: 1.2rem 0; border-left: 4px solid var(--gold-deep); background: #fbf8f0; border-radius: 12px; padding: .9rem 1.2rem; font-size: .95rem; color: #333; }
main blockquote p { margin: .3rem 0; }
.w1-byline { display: flex; gap: 1.25rem; align-items: center; }
.w1-byline h3 { margin: 0; }
.w1-avatar { flex: none; width: 84px; height: 84px; border-radius: 50%; background: #e6efe9; color: var(--green); display: flex; align-items: center; justify-content: center; font-family: var(--font-serif); font-size: 1.6rem; }
.w1-quals { color: var(--gold-deep); font-weight: 600; font-size: .9rem; margin: 0 0 .3rem; }
.w1-related { margin-top: 1rem; font-size: .95rem; }
.w1-areas { background: var(--green); color: var(--white); padding: 1.5rem 0; }
.w1-areas ul { list-style: none; padding: 0; margin: .5rem 0 0; display: flex; flex-wrap: wrap; gap: .5rem; }
.w1-areas li { border: 1px solid rgba(255,255,255,.4); border-radius: 999px; padding: .2rem .8rem; font-size: .9rem; }
.w1-sub { font-family: var(--font-serif); font-size: 1.2rem; color: var(--green); margin: -.4rem 0 1rem !important; }
.w1-home-areas { padding: 2.5rem 0; }
@media (max-width: 760px) { .w1-byline { align-items: flex-start; } }

/* Spacing and tint pass (23 Oct 2026): layout only, no copy changes */
:root { --beige: #efe6d4; }
.band-cream, .hero-wrap, .page-hero { background: var(--beige); }
.hero-wrap, .page-hero { border-bottom: 0; }
section, section.w1-block { padding: 2rem 0; }
.hero-wrap { padding: 2rem 0; }
.w1-home-areas { padding: 2rem 0; }
/* Adjacent sections on the same background share one gap, not two */
section.band-cream + section.band-cream,
section:not(.band-cream):not(.band-green):not(.hero-wrap):not(.page-hero) + section:not(.band-cream):not(.band-green):not(.hero-wrap):not(.page-hero) { padding-top: 0; }
/* No stray trailing or leading margins at section edges */
main section > .container > :last-child,
main section > .container > :last-child > :last-child,
main section > .container > :last-child > :last-child > :last-child { margin-bottom: 0; }
main section > .container > :first-child,
main section > .container > :first-child > :first-child { margin-top: 0; }
.risk-warning:first-child { margin-top: 0; }
.local-links { margin-top: 1.25rem; }
/* Homepage hero: brand mark fills the right half on wider screens */
@media (min-width: 821px) {
  .hero {
    display: grid; grid-template-columns: minmax(0, 1fr) minmax(220px, 300px);
    column-gap: 2.5rem; align-items: start;
  }
  .hero > * { grid-column: 1; }
  .hero::after {
    content: ""; grid-column: 2; grid-row: 1 / span 6; align-self: center;
    width: 100%; aspect-ratio: 1 / 1;
    background: url("../assets/logo.png") center / contain no-repeat;
  }
}
@media (max-width: 820px) {
  section, section.w1-block, .hero-wrap, .w1-home-areas { padding: 1.5rem 0; }
  .hero { padding: 2rem 1.5rem; }
}
section.container > .related-panel, section.container > .cta-panel { margin: 0; }
.split > div > p:last-child { margin-bottom: 0; }
/* Breathing room before the footer when a page ends on a plain section */
main > section:last-child:not(.band-green) { padding-bottom: 3rem; }
@media (max-width: 820px) { main > section:last-child:not(.band-green) { padding-bottom: 2rem; } }

/* Services hub (/what-we-do) */
    /* Services page additions (mock). Reuses live tokens and Soft sage panel. */
    .svc-hero .lead { margin: .25rem 0 0; max-width: 46rem; }
    .svc-hero .svc-where { margin: .75rem 0 0; font-size: .95rem; color: var(--green-dark); font-weight: 500; }
    .svc-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1.5rem; }
    .svc-head { display: flex; align-items: center; gap: .85rem; margin: 0 0 .7rem; }
    .svc-head h3 { margin: 0; }
    .svc-icon { flex: 0 0 auto; width: 48px; height: 48px; border-radius: 12px; background: #eef4f0; border: 1px solid #c2d0c7; display: inline-flex; align-items: center; justify-content: center; }
    .svc-icon svg { width: 26px; height: 26px; }
    .svc-card {
      background: var(--white); border: 1px solid #e3ddd0; border-top: 2px solid var(--gold);
      border-radius: 14px; padding: 1.6rem 1.6rem 1.4rem; display: flex; flex-direction: column;
      box-shadow: 0 6px 20px rgba(0,104,62,.04);
    }
    .svc-card h3 { font-family: var(--font-serif); color: var(--green); font-size: 1.3rem; font-weight: 600; margin: 0 0 .45rem; line-height: 1.2; }
    .svc-card > p { margin: 0 0 .9rem; }
    .svc-card ul { list-style: none; padding: 0; margin: 0 0 1rem; border-top: 1px solid #eee8db; }
    .svc-card li { padding: .45rem 0 .45rem 1.1rem; border-bottom: 1px solid #eee8db; position: relative; font-size: .97rem; }
    .svc-card li::before { content: ""; position: absolute; left: 0; top: 1.02rem; width: 6px; height: 6px; border-radius: 50%; background: var(--gold); }
    .svc-card .more { margin-top: auto; font-weight: 600; font-size: .95rem; }
    .svc-intro { max-width: 44rem; margin: 0 0 1.5rem; }
    .who-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1.25rem; }
    .who-grid .card h3 { color: var(--near-black); }
    .who-grid .card p { margin: 0; }
    .start-panel { display: grid; grid-template-columns: 1.4fr .9fr; gap: 1.5rem 2.5rem; align-items: center; padding: 1.75rem 2rem; }
    .start-panel p { margin: 0 0 .6rem; }
    .start-panel .start-links { list-style: none; padding: 0; margin: .75rem 0 0; }
    .start-panel .start-links li { margin: .3rem 0; }
    .start-panel .start-links a { font-weight: 600; }
    .start-side { text-align: left; }
    .start-side .btn { margin-bottom: .75rem; }
    .start-side small { display: block; font-size: .9rem; color: var(--body); }
    .w1-faq { max-width: 48rem; }
    .svc-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1.35rem; }
    .svc-head { display: flex; align-items: center; gap: .85rem; margin: 0 0 .7rem; }
    .svc-head h3 { margin: 0; font-size: 1.25rem; line-height: 1.25; }
    .svc-icon { flex: none; width: 58px; height: 58px; border-radius: 14px; background: #eef4f0; border: 1px solid #c2d0c7; display: inline-flex; align-items: center; justify-content: center; }
    @media (max-width: 1000px) and (min-width: 821px) { .svc-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
    @media (max-width: 1080px) { .svc-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
    @media (max-width: 820px) {
      .svc-grid, .who-grid, .start-panel { grid-template-columns: 1fr; }
    }

/* Mortgage capacity report: /mortgages teaser + page (26 Oct 2026) */
.mcr-teaser { display:grid; grid-template-columns:minmax(0,1.5fr) auto; gap:1rem 2.5rem; align-items:center; }
.mcr-teaser h2 { margin:0 0 .5rem; font-size:1.35rem; }
.mcr-teaser p { margin:0 0 .5rem; }
.mcr-teaser p:last-child { margin-bottom:0; }
.mcr-teaser .mcr-facts { list-style:none; padding:0; margin:.6rem 0 0; display:flex; flex-wrap:wrap; gap:.4rem .6rem; }
.mcr-teaser .mcr-facts li { font-size:.88rem; background:#fff; border:1px solid #c2d0c7; border-radius:999px; padding:.15rem .7rem; color:var(--green-dark); }
@media (max-width:820px){ .mcr-teaser { grid-template-columns:1fr; } }

    
    .crumbs { font-size:.85rem; margin:0 0 .9rem; color:#5b5b5b; }
    .crumbs a { color:var(--green); }
    .crumbs span[aria-hidden] { margin:0 .4rem; color:var(--gold-deep); }
    .mcr-byline { font-size:.88rem; color:#5b5b5b; margin-top:1rem; }
    .mcr-hero-ctas { display:flex; flex-wrap:wrap; gap:.75rem; margin-top:1.25rem; }
    .mcr-page .mcr-facts { list-style:none; padding:0; margin:0; }
    .mcr-page .mcr-facts li { display:flex; gap:.75rem; align-items:flex-start; padding:.6rem 0; border-bottom:1px solid #c2d0c7; }
    .mcr-page .mcr-facts li:last-child { border-bottom:0; }
    .mcr-page .mcr-facts strong { display:block; color:var(--green-dark); }
    .mcr-dot { flex:0 0 auto; width:.55rem; height:.55rem; margin-top:.5rem; border-radius:50%; background:#c8ae67; }
    .mcr-two { display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:1.35rem; }
    .mcr-two .card { border-top:2px solid #c8ae67; }
    .mcr-two .card h3 { margin-top:0; }
    .mcr-two .card p { margin:0 0 .7rem; }
    .mcr-incl { columns:2; column-gap:2.5rem; padding-left:1.1rem; }
    .mcr-incl li { break-inside:avoid; margin-bottom:.6rem; }
    .mcr-steps { counter-reset:s; list-style:none; padding:0; margin:0; }
    .mcr-steps li { counter-increment:s; position:relative; padding-left:2.4rem; margin-bottom:.7rem; }
    .mcr-steps li::before { content:counter(s); position:absolute; left:0; top:0; width:1.7rem; height:1.7rem; border-radius:50%; background:#eef4f0; border:1px solid #c2d0c7; color:var(--green); font-weight:700; font-size:.85rem; display:flex; align-items:center; justify-content:center; }
    .mcr-page .w1-faq { max-width:48rem; }
    @media (max-width:820px){ .mcr-two { grid-template-columns:1fr; } .mcr-incl { columns:1; } }
  
/* Cashflow planning page (26 Oct 2026) */
.cf-page .start-side .btn { margin-bottom: .75rem; }
.cf-page .start-side small { display: block; font-size: .9rem; color: var(--body); }

    .cf-hero .split { align-items: start; grid-template-columns: 1.35fr .85fr; }
    .cf-hero .lead { margin: .25rem 0 0; max-width: 40rem; }
    .cf-hero .panel h2 { font-size: 1.3rem; margin: 0 0 .5rem; }
    .cf-hero .panel p { margin: 0 0 1rem; font-size: .97rem; }
    .cf-hero .panel small { display: block; margin-top: .7rem; font-size: .92rem; }
    .cf-what { display: grid; grid-template-columns: 1.1fr .9fr; gap: 2.5rem; align-items: start; }
    .cf-what p { margin: 0 0 .9rem; }
    .cf-list { list-style: none; padding: 0; margin: 0; border-top: 1px solid #eee8db; }
    .cf-list li { padding: .55rem 0 .55rem 1.1rem; border-bottom: 1px solid #eee8db; position: relative; }
    .cf-list li::before { content: ""; position: absolute; left: 0; top: 1.12rem; width: 6px; height: 6px; border-radius: 50%; background: var(--gold); }
    .cf-charts { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.5rem; }
    .cf-chart { background: var(--white); border: 1px solid #e3ddd0; border-top: 2px solid var(--gold); border-radius: 14px; padding: 1.3rem 1.3rem 1.1rem; margin: 0; box-shadow: 0 6px 20px rgba(0,104,62,.04); }
    .cf-chart h3 { font-family: var(--font-serif); color: var(--green); font-size: 1.2rem; font-weight: 600; margin: 0 0 .3rem; }
    .cf-chart .cf-sub { margin: 0 0 .8rem; font-size: .95rem; }
    .cf-tag { display: inline-block; font-size: .72rem; letter-spacing: .08em; text-transform: uppercase; font-weight: 700; color: var(--gold-deep); background: #f6efdc; border: 1px solid #e6d8ae; border-radius: 999px; padding: .15rem .6rem; margin-bottom: .6rem; }
    .cf-svg { width: 100%; height: auto; display: block; font-family: var(--font-ui); }
    .cf-legend { list-style: none; padding: 0; margin: .6rem 0 .5rem; display: flex; flex-wrap: wrap; gap: .3rem 1.2rem; font-size: .88rem; }
    .cf-legend li { display: inline-flex; align-items: center; gap: .45rem; }
    .cf-legend .sw { width: 22px; height: 4px; border-radius: 2px; display: inline-block; }
    .cf-legend .sw.dash { height: 0; border-top: 3px dashed; border-radius: 0; background: none; }
    .cf-legend .sw.hatch { height: 12px; width: 16px; border-radius: 2px; background: repeating-linear-gradient(45deg, #c8ae67 0 3px, #f6efdc 3px 6px); }
    .cf-chart figcaption { font-size: .85rem; color: #666; border-top: 1px solid #eee8db; padding-top: .6rem; margin-top: .3rem; }
    .cf-chart figcaption strong { color: var(--gold-deep); }
    .cf-chart-note { margin: 1.1rem 0 0; font-size: .95rem; max-width: 52rem; }
    .cf-benefits { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1.35rem; }
    .cf-benefits .panel h3 { font-family: var(--font-serif); color: var(--green); font-size: 1.2rem; font-weight: 600; margin: 0 0 .5rem; }
    .cf-benefits .panel p { margin: 0 0 .7rem; font-size: .97rem; }
    .cf-benefits .panel ul { font-size: .95rem; }
    .cf-head { display: flex; align-items: center; gap: .8rem; margin-bottom: .7rem; }
    .cf-head h3 { margin: 0 !important; }
    .cf-icon { flex: none; width: 50px; height: 50px; border-radius: 12px; background: var(--white); border: 1px solid #c2d0c7; display: inline-flex; align-items: center; justify-content: center; }
    .cf-icon svg { width: 26px; height: 26px; }
    .cf-page .w1-faq { max-width: 48rem; }
    .cf-intro { max-width: 46rem; margin: 0 0 1.5rem; }
    @media (max-width: 980px) { .cf-charts, .cf-benefits { grid-template-columns: 1fr; } }
    @media (max-width: 820px) { .cf-what, .cf-page .start-panel, .cf-hero .split { grid-template-columns: 1fr; } }
  

    /* /mortgage-adviser-fareham top (Soft sage layout, 27 Oct 2026). Scoped to .fa-top. */
    .fa-top .fa-tight { padding-top: 1.25rem !important; }
    .fa-top .fa-tight-facts { padding-bottom: 0; }
    .fa-top .fa-note { font-size: .95rem; }
    .fa-top .page-hero { padding: 1.75rem 0 1.5rem; }
    .fa-top .page-hero h1 { margin: 0 0 .75rem; }
    .fa-top .fa-open { max-width: 46rem; font-size: 1.08rem; margin: 0 0 1rem; }
    .fa-top .page-hero blockquote { max-width: 46rem; margin: 0; background: #fff; }
    .fa-facts { display: grid; grid-template-columns: minmax(0,.8fr) minmax(0,1.1fr) minmax(0,1.6fr); gap: 1rem 2rem; align-items: start; padding: 1.15rem 1.5rem; }
    .fa-facts .fa-fact-h { display:block; font-size:.78rem; letter-spacing:.1em; text-transform:uppercase; font-weight:700; color:var(--green); margin:0 0 .2rem; }
    .fa-facts p { margin: 0; font-size: .98rem; line-height: 1.5; }
    .fa-facts strong { color: var(--near-black); }
    .fa-facts .fa-sub { font-size: .88rem; color: #555; margin-top: .2rem; }
    .fa-facts .fa-areas { list-style:none; padding:0; margin:.15rem 0 0; display:flex; flex-wrap:wrap; gap:.3rem .4rem; }
    .fa-facts .fa-areas li { margin:0; font-size:.84rem; line-height:1.4; background:#fff; border:1px solid #c2d0c7; border-radius:999px; padding:.1rem .6rem; color:var(--green-dark); }
    .fa-split { align-items: start; }
    .fa-split h2 { font-size: 1.55rem; margin: 0 0 .6rem; }
    .fa-help { margin: 0 0 .75rem; padding-left: 1.15rem; }
    .fa-help li { margin: 0 0 .15rem; }
    .fa-split .panel h2 { color: var(--green); }
    .fa-split .panel { padding: 1.4rem 1.6rem; }
    .fa-split .panel p { margin: 0 0 .75rem; }
    .fa-contact { list-style:none; padding:0 !important; margin:0 0 1rem !important; }
    .fa-contact li { margin: 0 0 .2rem !important; }
    .fa-contact strong { display:inline-block; min-width: 3.6rem; color: var(--near-black); font-weight:600; }
    @media (max-width: 900px) { .fa-facts { grid-template-columns: 1fr 1fr; } .fa-facts > :last-child { grid-column: 1 / -1; } }
    @media (max-width: 820px) { .fa-split { grid-template-columns: 1fr; } }
    @media (max-width: 560px) { .fa-facts { grid-template-columns: 1fr; } }