/* SME Loan | HTML concept build | Responsive + SEO-first */
:root{--navy:#102b3e;--navy2:#092235;--deep:#071b2a;--gold:#cfa05a;--gold2:#e8bf80;--cream:#faf7f2;--paper:#fff;--ink:#163044;--muted:#667685;--line:#e5e7e9;--shadow:0 22px 55px rgba(20,45,61,.10);--radius:22px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:90px}body{margin:0;background:#fff;color:var(--ink);font:16px/1.65 -apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;-webkit-font-smoothing:antialiased}img{max-width:100%;display:block}a{text-decoration:none;color:inherit}button,input,select,textarea{font:inherit}button{cursor:pointer}button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid var(--gold);outline-offset:3px}::selection{background:#e9ca93;color:#122d43}.container{width:min(1180px,calc(100% - 52px));margin:auto}.visually-hidden{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.skip{position:absolute;top:-80px;left:12px;background:white;padding:12px 20px;z-index:100}.skip:focus{top:12px}
.eyebrow{font-size:12px;letter-spacing:2.4px;font-weight:800;color:#b88743;text-transform:uppercase}.eyebrow.light{color:var(--gold2)}.section-title{font-size:clamp(34px,4vw,50px);line-height:1.13;letter-spacing:-1.8px;margin:12px 0 17px;font-weight:750;color:#112d42}.section-subtitle{color:#657789;font-size:17px;max-width:680px;line-height:1.8;margin:0}.text-center{text-align:center}.text-center .section-subtitle{margin-inline:auto}.section-pad{padding:105px 0}.gold-text{color:var(--gold2)}.gold-line{width:51px;height:3px;background:var(--gold);margin:20px 0}
.top-strip{background:#071b2b;color:#d9e5e9;font-size:12px;letter-spacing:.35px}.top-strip .container{display:flex;justify-content:space-between;align-items:center;padding:9px 0;gap:16px}.top-strip strong{color:#e6bd7c;font-weight:650}.top-strip .dot{width:6px;height:6px;background:#dcab62;display:inline-block;border-radius:50%;margin-right:8px;vertical-align:middle}
.header{background:#fff;position:sticky;top:0;z-index:50;border-bottom:1px solid #edf0f1;box-shadow:0 5px 19px rgba(14,38,57,.03)}.nav{height:82px;display:flex;align-items:center;gap:25px;justify-content:space-between}.brand{display:flex;align-items:center;gap:12px;flex-shrink:0}.brandmark{width:44px;height:44px;border-radius:12px;background:var(--navy);color:#ecc68b;display:grid;place-items:center;box-shadow:0 4px 12px #09263720}.brandmark svg{width:26px;height:26px}.brand-word{font-size:24px;font-weight:850;letter-spacing:-1.5px;color:#0e2d41;line-height:1}.brand-word span{color:#bb883f}.brand-tag{display:block;color:#73808b;font-size:8.5px;text-transform:uppercase;letter-spacing:1.6px;font-weight:850;margin-top:6px}.nav-links{display:flex;align-items:center;gap:31px;margin-left:auto}.nav-links a{font-size:13px;font-weight:650;color:#405365;white-space:nowrap;transition:color .2s}.nav-links a:hover,.nav-links a.active{color:#b78235}.btn{border:0;border-radius:100px;display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:14px 23px;font-size:14px;font-weight:750;line-height:1.2;transition:transform .2s,background .2s,box-shadow .2s;white-space:nowrap}.btn:hover{transform:translateY(-2px)}.btn-gold{background:linear-gradient(110deg,#e7be7c,#c6954b);color:#112b3e;box-shadow:0 9px 23px rgba(169,120,50,.16)}.btn-navy{background:#123349;color:#fff}.btn-outline-light{color:#fff;border:1px solid #ffffff70;background:transparent}.btn-outline{border:1px solid #d7dee2;color:#19374a;background:#fff}.arrow-icon{font-size:20px;font-weight:400;line-height:1}.nav-cta{padding:13px 20px}.menu-button{display:none;border:0;background:#eef3f4;border-radius:11px;padding:10px;color:#183548}.icon{width:22px;height:22px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;flex-shrink:0}
.hero{background:#0c293f;position:relative;overflow:hidden}.hero-inner{width:min(1440px,100%);min-height:636px;margin:auto;display:grid;grid-template-columns:minmax(0,49%) minmax(0,51%);position:relative}.hero-left{padding:83px max(34px,calc((100vw - 1180px)/2)) 95px max(34px,calc((100vw - 1180px)/2));padding-right:18px;position:relative;z-index:2;background:linear-gradient(130deg,#102f45,#0b2639 78%)}.hero-left:before{content:'';position:absolute;inset:0;pointer-events:none;background:radial-gradient(600px 500px at 100% 100%,rgba(219,163,75,.12),transparent 70%)}.hero-left>*{position:relative}.hero-brow{display:inline-flex;align-items:center;gap:11px;color:#ecc58d;font-size:12px;font-weight:850;letter-spacing:2.1px;text-transform:uppercase}.hero-brow .mini-line{width:29px;height:1px;background:#deb878}.hero h1{color:#fff;font-size:clamp(46px,4.2vw,70px);letter-spacing:-2.8px;line-height:1.08;font-weight:760;margin:24px 0}.hero h1 em{font-style:normal;color:#e9bb78}.hero-description{font-size:16px;line-height:1.9;max-width:475px;color:#cbd7df;margin:0 0 30px}.hero-actions{display:flex;gap:12px;align-items:center;flex-wrap:wrap}.hero-points{display:flex;flex-wrap:wrap;gap:18px 24px;margin-top:38px;color:#c1d0d9;font-size:12px}.hero-points span{display:inline-flex;align-items:center;gap:8px}.hero-points svg{width:16px;height:16px;color:#e0af69}.hero-photo{min-height:636px;position:relative;overflow:hidden}.hero-photo>img{height:100%;width:100%;object-fit:cover;object-position:59% 43%;position:absolute;inset:0}.hero-photo:after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,rgba(11,39,58,.2),transparent 43%),linear-gradient(0deg,rgba(10,33,50,.25),transparent 40%)}.hero-photo .float-card{position:absolute;z-index:3;bottom:45px;right:36px;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);border-radius:16px;padding:17px 20px;max-width:280px;box-shadow:0 15px 50px rgba(4,20,34,.18);display:flex;gap:12px;align-items:center}.float-card .float-icon{background:#ebf2ef;color:#3b7e65;padding:11px;border-radius:12px}.float-card strong{display:block;font-size:13px;line-height:1.4}.float-card small{font-size:11px;line-height:1.45;color:#6b7a86;display:block;margin-top:3px}
.value-band{border-bottom:1px solid var(--line);background:#fff}.value-grid{display:grid;grid-template-columns:repeat(4,1fr);padding:27px 0;gap:23px}.value-item{display:flex;gap:13px;align-items:center;padding-right:24px;border-right:1px solid #e5e9eb}.value-item:last-child{border:0}.value-item .icon-wrap{border:1px solid #e8e1d9;width:42px;height:42px;border-radius:12px;display:grid;place-items:center;color:#bd8949;flex-shrink:0}.value-item strong{display:block;font-size:13px;color:#1f3649;line-height:1.35}.value-item small{display:block;font-size:11px;color:#84909a;line-height:1.5;margin-top:3px}
.solutions{background:#faf9f7}.section-head{display:flex;justify-content:space-between;align-items:end;gap:32px;margin-bottom:37px}.section-head .section-title{max-width:620px}.section-head p{max-width:470px}.services-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.service-card{background:#fff;border:1px solid #ebe8e3;border-radius:19px;padding:32px 30px 28px;box-shadow:0 6px 25px rgba(23,45,57,.035);position:relative;overflow:hidden;min-height:269px;display:flex;flex-direction:column;transition:transform .25s,box-shadow .25s,border-color .25s}.service-card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:#e8ccaa}.service-card:before{content:'';height:4px;width:100%;background:linear-gradient(90deg,#d3a15a,#f1d9b4);position:absolute;top:0;left:0;opacity:0;transition:opacity .25s}.service-card:hover:before{opacity:1}.service-icon{height:54px;width:54px;border-radius:16px;background:#f7f1e7;color:#b8843b;display:grid;place-items:center;margin-bottom:20px}.service-icon .icon{width:27px;height:27px}.service-card h3{font-size:20px;letter-spacing:-.5px;line-height:1.3;margin:0 0 9px;color:#153144}.service-card p{margin:0;font-size:13px;line-height:1.75;color:#74838f;max-width:310px}.service-link{display:flex;justify-content:space-between;align-items:center;margin-top:auto;padding-top:24px;font-size:12px;font-weight:800;color:#b88b4b}.circle-arrow{background:#f3f5f5;color:#365069;border-radius:50%;width:31px;height:31px;display:grid;place-items:center;font-size:18px}
.advisory{background:#fff}.advisory-layout{display:grid;grid-template-columns:.91fr 1.09fr;gap:84px;align-items:center}.advisory-media{border-radius:22px;min-height:470px;position:relative;background:#123a52;overflow:hidden;box-shadow:0 18px 50px #0b31412b}.advisory-media img{height:100%;width:100%;position:absolute;inset:0;object-fit:cover;object-position:68% 40%;filter:brightness(.81)}.advisory-media:after{content:'';position:absolute;inset:0;background:linear-gradient(0deg,rgba(5,27,42,.91),transparent 63%)}.media-copy{position:absolute;bottom:36px;left:35px;right:35px;z-index:1;color:#fff}.media-copy strong{display:block;font-size:26px;line-height:1.22;letter-spacing:-.6px;max-width:290px}.media-copy span{color:#e6bb7b;font-size:11px;letter-spacing:2px;font-weight:750;text-transform:uppercase;display:block;margin-bottom:10px}.advisory-list{display:grid;gap:20px;margin:28px 0 30px}.advisory-item{display:flex;align-items:start;gap:16px}.advisory-item .num{background:#f4efe5;border:1px solid #ead9c1;border-radius:50%;color:#ac8245;height:38px;width:38px;display:grid;place-items:center;font-size:11px;flex-shrink:0;font-weight:900}.advisory-item strong{display:block;font-size:15px;margin-top:1px;color:#183649}.advisory-item p{font-size:13px;color:#72828e;line-height:1.7;margin:4px 0 0}
.process{background:#f7f8f8}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:17px;margin-top:43px}.step{position:relative;padding:32px 24px;background:#fff;border:1px solid #e9eff0;border-radius:17px}.step:not(:last-child):after{content:'→';position:absolute;right:-15px;top:42px;z-index:2;font-size:21px;color:#be914e}.step-number{font-size:11px;letter-spacing:1px;font-weight:850;color:#bd8a45}.step-icon{width:47px;height:47px;border:1px solid #e9ddd0;border-radius:13px;display:grid;place-items:center;color:#a8793f;margin:13px 0}.step h3{font-size:18px;line-height:1.35;margin:0 0 8px}.step p{color:#788893;font-size:12px;line-height:1.75;margin:0}
.calculator{background:#fff}.calc-layout{display:grid;grid-template-columns:1.05fr .95fr;gap:66px;align-items:center}.calc-note-list{padding:0;margin:24px 0 0;list-style:none}.calc-note-list li{font-size:14px;color:#637686;margin:0 0 12px;display:flex;gap:10px;align-items:center}.calc-note-list svg{width:17px;height:17px;color:#bb8847}.calculator-card{background:#f9faf9;border:1px solid #e7eced;border-radius:23px;padding:31px;box-shadow:0 14px 37px rgba(18,48,69,.06)}.calculator-card .field-label{display:flex;align-items:center;justify-content:space-between;font-size:13px;font-weight:750;gap:10px;margin-bottom:11px}.input-value{font-weight:850;color:#19344b}.range{width:100%;accent-color:#bd8a48;margin:2px 0 22px}.range:focus-visible{outline:3px solid #cca25c}.range-ends{display:flex;justify-content:space-between;color:#93a0a8;font-size:11px;margin-top:-18px;margin-bottom:24px}.calc-summary{background:#0d2d43;border-radius:16px;padding:26px;margin-top:10px;color:#fff}.calc-summary small{font-size:12px;color:#c4d6dd}.calc-main-number{font-size:38px;font-weight:780;line-height:1.3;letter-spacing:-1px;margin:8px 0 18px}.calc-breakdown{border-top:1px solid #ffffff2d;padding-top:14px;display:grid;grid-template-columns:repeat(2,1fr);gap:17px}.calc-breakdown strong{font-size:16px;display:block}.calc-caveat{font-size:11px;color:#8595a2;line-height:1.65;margin:15px 2px 0}
.guidance{background:#102d43;color:#fff;position:relative;overflow:hidden}.guidance:before{position:absolute;content:'';width:560px;height:560px;border-radius:50%;border:1px solid #ffffff19;right:-170px;top:-270px;box-shadow:0 0 0 80px #ffffff04,0 0 0 170px #ffffff04}.guidance-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:80px;position:relative}.guidance .section-title{color:#fff}.guidance .section-subtitle{color:#c1d3db}.guidance-grid{display:grid;grid-template-columns:1fr 1fr;gap:15px}.guidance-point{background:#ffffff0c;border:1px solid #ffffff24;border-radius:15px;padding:25px}.guidance-point .icon{width:28px;height:28px;color:#deb375;margin-bottom:12px}.guidance-point h3{font-size:15px;margin:0 0 7px;color:#fff}.guidance-point p{color:#b5c6d0;font-size:12px;line-height:1.75;margin:0}
.faq{background:#f9f8f5}.faq-layout{display:grid;grid-template-columns:.75fr 1.25fr;gap:82px}.faq-list{display:grid;gap:12px}.faq details{background:#fff;border:1px solid #edeae5;border-radius:13px;padding:20px 24px}.faq summary{cursor:pointer;list-style:none;display:flex;align-items:center;justify-content:space-between;gap:15px;font-size:14px;font-weight:750;color:#223a4d}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:'+';color:#bf8a40;font-size:22px;font-weight:400}.faq details[open] summary:after{content:'−'}.faq details p{font-size:13px;color:#768592;line-height:1.85;margin:11px 0 2px}.faq details[open]{border-color:#d8c5a9;box-shadow:0 8px 18px #09253c08}
.contact{background:#fff}.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:86px;align-items:start}.contact-left{padding-top:22px}.contact-left .section-title{max-width:440px}.contact-points{list-style:none;padding:0;display:grid;gap:17px;margin:32px 0}.contact-points li{display:flex;gap:13px;align-items:flex-start;font-size:14px;color:#657887}.contact-points .icon{color:#b7843f}.info-box{padding:22px 24px;border-radius:17px;background:#f7f6f2;color:#7c8891;font-size:12px;line-height:1.8;border:1px solid #efebe5}.info-box strong{color:#203a4c;font-size:13px;display:block;margin-bottom:5px}.form-box{background:#f8f9f9;border:1px solid #e7ebed;padding:37px;border-radius:22px;box-shadow:0 14px 35px #152a3c0b}.form-box h3{font-size:24px;letter-spacing:-.6px;margin:0 0 7px}.form-box .intro{font-size:13px;color:#7a8993;margin:0 0 24px}.field-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.field{margin-bottom:18px}.field label{display:block;font-size:12px;font-weight:750;color:#31495b;margin-bottom:7px}.field input,.field select,.field textarea{background:#fff;width:100%;border:1px solid #dde4e6;padding:12px 13px;color:#203e52;border-radius:9px;outline:none;min-height:45px}.field input:focus,.field select:focus,.field textarea:focus{border-color:#b88d4f;box-shadow:0 0 0 3px #c9955022}.field textarea{min-height:98px;resize:vertical}.field input::placeholder,.field textarea::placeholder{color:#9ba8ae}.checkbox-line{display:flex;gap:11px;align-items:start;font-size:11.5px;color:#697c88;line-height:1.65;margin:4px 0 21px}.checkbox-line input{margin-top:4px;accent-color:#bd8d4f}.form-box .btn{width:100%;border-radius:11px;padding:16px}.form-status{padding:12px 13px;font-size:12px;border:1px solid #d5b985;background:#fff7e8;border-radius:8px;color:#775824;margin-top:14px;display:none}.form-status.visible{display:block}
.footer{background:#081d2d;color:#d6e0e5}.footer-main{padding:52px 0 34px;display:flex;justify-content:space-between;gap:35px;align-items:flex-start}.footer .brand-word{color:white}.footer .brand-tag{color:#a3b1bd}.footer p{max-width:470px;font-size:12px;line-height:1.9;color:#9eafba}.footer-links{display:flex;gap:28px;flex-wrap:wrap}.footer-links a{color:#b6c5cd;font-size:12px}.footer-links a:hover{color:#ecc080}.footer-bottom{border-top:1px solid #ffffff1c;padding:19px 0 26px;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:11px;color:#92a4b1}
@media(max-width:1110px){.nav-links{gap:15px}.nav-links a{font-size:12px}.nav-cta{padding:12px 15px;font-size:12px}.brand-word{font-size:22px}.hero h1{font-size:53px}.hero-left{padding-left:35px}.advisory-layout{gap:50px}.guidance-layout{gap:45px}.contact-grid{gap:50px}}
@media(max-width:870px){.nav{height:70px}.nav-links{display:none;position:absolute;left:0;right:0;top:70px;padding:22px 26px;background:#fff;border-bottom:1px solid #e5ecee;box-shadow:0 14px 25px #143b4e10;flex-direction:column;align-items:stretch;gap:0}.nav-links.open{display:flex}.nav-links a{padding:10px 0;font-size:14px}.menu-button{display:grid;place-items:center}.nav-cta{margin-left:auto}.hero-inner{grid-template-columns:1fr}.hero-left{padding:70px 7% 65px}.hero h1{font-size:clamp(45px,7vw,62px)}.hero-description{max-width:630px}.hero-photo{height:390px;min-height:390px}.hero-photo img{object-position:50% 47%}.value-grid{grid-template-columns:repeat(2,1fr)}.value-item:nth-child(2){border:0}.services-grid{grid-template-columns:repeat(2,1fr)}.advisory-layout,.calc-layout,.contact-grid,.faq-layout,.guidance-layout{grid-template-columns:1fr;gap:40px}.advisory-media{min-height:385px;max-width:650px}.steps{grid-template-columns:repeat(2,1fr)}.step:nth-child(2):after{display:none}.section-pad{padding:80px 0}.faq-layout{gap:25px}}
@media(max-width:580px){.container{width:min(100% - 34px,1180px)}.top-strip .container{padding:7px 0}.top-strip .top-right{display:none}.nav-cta{display:none}.brand-word{font-size:21px}.brandmark{height:39px;width:39px}.hero-left{padding:53px 25px 52px}.hero h1{font-size:43px;line-height:1.1;letter-spacing:-1.8px}.hero-description{font-size:14px}.hero-actions .btn{width:100%}.hero-points{gap:12px}.hero-photo{height:300px;min-height:300px}.hero-photo .float-card{bottom:17px;right:16px;padding:11px 13px;max-width:245px}.section-pad{padding:68px 0}.section-title{font-size:36px;letter-spacing:-1.3px}.section-subtitle{font-size:14px}.section-head{display:block}.value-grid{gap:10px;padding:22px 0}.value-item{padding:9px 0;gap:7px;border:0}.value-item .icon-wrap{width:35px;height:35px}.value-item .icon{width:19px;height:19px}.value-item strong{font-size:11px}.value-item small{font-size:9.5px}.services-grid,.steps,.guidance-grid,.field-grid{grid-template-columns:1fr}.service-card{min-height:235px;padding:25px}.step:after{display:none}.advisory-media{min-height:330px}.calc-layout,.guidance-layout,.contact-grid{gap:32px}.calculator-card,.form-box{padding:23px}.calc-main-number{font-size:32px}.form-box h3{font-size:22px}.footer-main{display:block;padding:45px 0 27px}.footer-links{margin-top:25px}.footer-bottom{display:block}.footer-bottom span{display:block;margin-top:7px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}

/* Working loan calculator: editable fields, method selection, schedule and CSV */
.calculator-card .calc-group{margin-bottom:18px}
.calculator-card .calc-label{font-size:13px;font-weight:750;color:#243e51;display:block}
.calc-field-head{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:12px}
.calc-number,.calc-select{border:1px solid #d9e1e4;background:#fff;color:#163044;border-radius:9px;font-weight:700;min-height:42px;padding:8px 12px;max-width:100%;box-shadow:0 2px 4px #09253c04}
.calc-number{width:145px;text-align:right;font-variant-numeric:tabular-nums}
.calc-select{width:100%;margin-top:8px;font-size:13px}
.calc-help{font-size:11px;color:#738795;line-height:1.55;margin:9px 2px 0}
.calculator-card .calc-group .range{margin:0 0 12px;display:block}
.calculator-card .calc-group .range-ends{margin:0;color:#80919d}
.calc-error{background:#fff0e8;border:1px solid #d78466;color:#9b3d25;padding:10px 13px;border-radius:8px;font-size:12px}
.calc-main-number{display:block;font-variant-numeric:tabular-nums}
.calc-breakdown strong{font-variant-numeric:tabular-nums}
.calc-actions{display:flex;align-items:center;gap:9px;margin-top:16px}
.calc-plain-btn{font-size:12px;font-weight:750;border-radius:9px;padding:11px 13px;background:#fff;color:#23445a;border:1px solid #d9e0e2;flex:1;white-space:normal;line-height:1.3;min-height:44px}
.calc-plain-btn.primary{background:#fff2de;border-color:#d9b988;color:#86601e;flex:2}
.calc-plain-btn:disabled{cursor:not-allowed;opacity:.4}
.repayment-preview{border-top:1px solid #e2e7e8;margin-top:19px;padding-top:15px}
.repayment-preview summary{color:#23445a;font-size:13px;font-weight:750;cursor:pointer;list-style:auto}
.repayment-table-wrap{overflow:auto;max-height:350px;margin-top:15px;border:1px solid #e0e7e9;border-radius:8px;background:#fff}
.repayment-table{width:100%;border-collapse:collapse;font-size:11px;font-variant-numeric:tabular-nums;min-width:565px}
.repayment-table th,.repayment-table td{text-align:right;white-space:nowrap;padding:8px 10px;border-bottom:1px solid #edf0f2}
.repayment-table th:first-child,.repayment-table td:first-child{text-align:left}
.repayment-table thead{position:sticky;top:0;background:#eaf0f1;z-index:1}
.repayment-table tbody tr:nth-child(even){background:#f8fafb}
@media(max-width:580px){.calc-field-head{gap:9px}.calc-number{width:126px;font-size:15px}.calc-plain-btn{font-size:11px;padding:10px 6px}.calc-select{font-size:12px}}

/* Live contact routing (mailbox activation required for form delivery) */
.top-right a{color:#f3d8a7;text-decoration:none;font-weight:700}.top-right a:hover,.contact-left a:hover,.form-box a:hover,.info-box a:hover{ text-decoration:underline }
.header-email{font-size:12px;font-weight:700;color:#27445a;text-decoration:none;white-space:nowrap;margin-left:auto}.header-email:hover{color:#bb8842}
.contact-left a,.form-box a,.info-box a{color:#9f722e;font-weight:700;text-decoration:none;overflow-wrap:anywhere}
.footer-bottom a{color:#e3bd82}.footer-bottom a:hover{text-decoration:underline}
.honeypot{position:absolute!important;left:-10000px!important;width:1px!important;height:1px!important;opacity:0!important;pointer-events:none!important}
.form-disclosure{color:#768692;font-size:11px;line-height:1.65;margin:13px 0 0}
#submit-enquiry:disabled{opacity:.65;cursor:progress}
@media(max-width:1100px){.header-email{display:none}}

/* ======== HOMEPAGE V2 — IMAGERY-LED DESIGN ======== */
:root{--gold:#c79a55;--v2ink:#10283e}
.v2-services{background:#f7f8f9}
.v2-section-top{display:flex;align-items:flex-end;justify-content:space-between;gap:35px;margin-bottom:30px}
.v2-section-top .section-title{margin-bottom:0}
.v2-section-top .section-subtitle{max-width:430px;margin:0 0 5px}
.v2-service-grid{display:grid;grid-template-columns:repeat(3, minmax(0,1fr));gap:22px}
.v2-service-card{border:1px solid #e4e9ec;background:#fff;overflow:hidden;border-radius:16px;box-shadow:0 10px 30px rgba(15,38,52,.055);display:flex;flex-direction:column;transition:transform .2s ease,box-shadow .2s ease}
.v2-service-card:hover{transform:translateY(-5px);box-shadow:0 22px 46px rgba(15,38,52,.11)}
.v2-card-photo{position:relative;display:block;aspect-ratio:16/10;overflow:hidden;background:#d8e1e7}
.v2-card-photo img,.v2-insight-card img,.v2-step img{width:100%;height:100%;object-fit:cover;transition:transform .45s ease}
.v2-service-card:hover .v2-card-photo img,.v2-insight-card:hover img{transform:scale(1.055)}
.v2-card-number{position:absolute;bottom:12px;left:15px;background:#fff;color:#153349;font-size:12px;font-weight:800;border-radius:6px;padding:5px 10px;box-shadow:0 3px 12px #092c3d55}
.v2-card-body{padding:22px 23px 21px;display:flex;flex-direction:column;flex:1}
.v2-kicker{color:#b68239;font-size:10px;font-weight:800;letter-spacing:1.4px;text-transform:uppercase}
.v2-card-body h3{font-size:21px;line-height:1.25;color:#092b42;letter-spacing:-.4px;margin:7px 0 9px}
.v2-card-body p{font-size:13.5px;color:#637683;line-height:1.65;margin:0 0 22px;flex:1}
.v2-card-link{display:flex;justify-content:space-between;align-items:center;font-weight:800;color:#274960;font-size:12px;border-top:1px solid #e9eff0;padding-top:16px}
.v2-card-link span{width:29px;height:29px;display:grid;place-items:center;background:#f6ebd8;color:#a87629;border-radius:50%;font-size:16px}
.v2-service-footer{display:flex;align-items:center;justify-content:center;gap:12px;padding:30px 0 0;color:#506676;font-size:13px}.v2-service-footer a{font-weight:800;color:#b17d36}
.v2-advisory-collage{display:grid;grid-template-columns:1fr .54fr;gap:13px;height:550px;min-width:0}
.v2-advisory-main,.v2-advisory-mini{position:relative;min-width:0;overflow:hidden;border-radius:16px;background:#dbe5e9}
.v2-advisory-main img,.v2-advisory-mini img{width:100%;height:100%;object-fit:cover}
.v2-advisory-main img{object-position:40% 50%}.v2-advisory-mini img{object-position:65% 50%}
.v2-advisory-mini:after{content:'';position:absolute;inset:40% 0 0;background:linear-gradient(transparent,#071e2bdb);pointer-events:none}
.v2-advisory-caption{position:absolute;color:#fff;bottom:27px;left:16px;right:16px;line-height:1.35;font-size:19px;z-index:1;font-weight:600}
.v2-advisory-caption strong{color:#eac186;display:block}
.v2-spotlight{display:grid;grid-template-columns:1fr 1fr;min-height:460px;background:#09283c;color:#fff}
.v2-spotlight-photo{position:relative;overflow:hidden;min-height:400px}.v2-spotlight-photo img{width:100%;height:100%;object-fit:cover}
.v2-spotlight-photo:after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,transparent 55%,#09283c 100%)}
.v2-spotlight-content{padding:64px clamp(30px,5.2vw,90px) 65px clamp(30px,4vw,60px);max-width:650px;align-self:center}
.v2-spotlight .section-title{color:#fff;font-size:clamp(30px,3.8vw,49px)}
.v2-spotlight-content>p{font-size:14px;line-height:1.8;color:#c4d0d8;max-width:500px;margin:0 0 22px}
.v2-tags{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:30px}.v2-tags span{font-size:11px;letter-spacing:.1px;padding:7px 11px;border:1px solid #4a6271;border-radius:50px;color:#dbe5eb}
.v2-process{background:#fff}.v2-center{align-items:center;text-align:center;flex-direction:column;gap:12px}.v2-center .section-subtitle{max-width:650px;text-align:center}
.v2-step-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
.v2-step{background:#fafbfc;overflow:hidden;border:1px solid #e7ebed;border-radius:13px}
.v2-step>img{height:150px;object-fit:cover}
.v2-step-content{padding:20px 18px 22px;position:relative}.v2-step-num{display:inline-flex;background:#e6ba77;color:#102b3e;font-weight:900;font-size:13px;padding:5px 10px;border-radius:6px;margin-bottom:12px}
.v2-step h3{font-size:17px;line-height:1.4;margin:0 0 8px;color:#0c2e45}.v2-step p{margin:0;font-size:12.5px;line-height:1.7;color:#687b86}
.v2-calc-image{position:relative;height:185px;border-radius:15px;overflow:hidden;margin-top:26px}
.v2-calc-image img{width:100%;height:100%;object-fit:cover;object-position:70% 53%}
.v2-calc-image:after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,#0b2835cb,transparent)}
.v2-calc-overlay{position:absolute;z-index:1;top:50%;left:25px;transform:translateY(-50%);color:#fff;max-width:260px;line-height:1.55}.v2-calc-overlay strong{display:block;font-size:20px}.v2-calc-overlay span{font-size:12px;color:#e9f0f4}
.v2-insights{background:#f8f7f4}.v2-insight-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.v2-insight-card{background:#fff;border:1px solid #e7e9e9;border-radius:15px;overflow:hidden;box-shadow:0 10px 25px #061e2b0b}.v2-insight-card img{height:190px;object-fit:cover}.v2-insight-card>div{padding:23px}.v2-insight-card h3{font-size:20px;line-height:1.3;letter-spacing:-.4px;color:#102e43;margin:8px 0}.v2-insight-card p{margin:0 0 18px;font-size:12.5px;line-height:1.65;color:#647a88}.v2-insight-card a{font-size:12px;font-weight:800;color:#ad7d36}
.v2-contact-photo{position:relative;border-radius:13px;overflow:hidden;margin-top:26px;height:165px;max-width:460px}
.v2-contact-photo img{height:100%;width:100%;object-fit:cover;object-position:50% 42%}.v2-contact-photo:after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,#062436be,transparent)}
.v2-contact-photo div{position:absolute;top:50%;left:24px;z-index:1;transform:translateY(-50%);color:#fff;max-width:180px;font-size:19px;line-height:1.4}.v2-contact-photo strong{color:#f3c783}
.v2-services.section-pad{padding-top:84px;padding-bottom:84px}.v2-process.section-pad{padding-top:84px;padding-bottom:84px}
@media(max-width:1080px){.v2-service-grid,.v2-insight-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.v2-step-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.v2-advisory-collage{height:480px}.v2-spotlight-content{padding:46px 35px}}
@media(max-width:730px){.v2-section-top{flex-direction:column;align-items:flex-start;gap:15px}.v2-section-top .section-subtitle{max-width:100%}.v2-spotlight{grid-template-columns:1fr}.v2-spotlight-photo{min-height:285px;height:285px}.v2-spotlight-photo:after{background:linear-gradient(0deg,#09283c 0,transparent 50%)}.v2-spotlight-content{padding:12px 26px 42px}.v2-advisory-collage{height:350px}.v2-service-footer{flex-direction:column;text-align:center}.v2-insight-grid{grid-template-columns:1fr}}
@media(max-width:580px){.v2-service-grid{grid-template-columns:1fr;gap:15px}.v2-card-photo{aspect-ratio:16/8.5}.v2-card-body{padding:20px}.v2-step-grid{grid-template-columns:1fr 1fr;gap:10px}.v2-step>img{height:102px}.v2-step-content{padding:12px}.v2-step h3{font-size:14px}.v2-step p{font-size:11px}.v2-advisory-collage{grid-template-columns:1fr .48fr;height:295px}.v2-advisory-caption{font-size:14px;bottom:16px;left:10px}.v2-contact-photo{height:150px}.v2-insight-card img{height:190px}}

/* Explicit response feedback for application submissions. */
.form-status[data-result="accepted"]{background:#f1f7f3;border-color:#b7d5c2;color:#24583a;}
.form-status[data-result="error"]{background:#fff2ef;border-color:#e9b3a4;color:#843725;}
#submit-enquiry:disabled{opacity:.65;cursor:wait;}