:root {
  --navy: #062d67;
  --navy-dark: #031d45;
  --cyan: #08b9cf;
  --cyan-soft: #e7f9fc;
  --orange: #f59e0b;
  --ink: #13233b;
  --muted: #607089;
  --line: #dfe8f1;
  --paper: #ffffff;
  --wash: #f4f8fc;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--paper); font-family: Arial, Helvetica, sans-serif; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
.shell { width: min(1160px, calc(100% - 40px)); margin: 0 auto; }

.topbar { background: var(--navy-dark); color: #dceafa; font-size: .78rem; }
.topbar-inner { min-height: 36px; display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.topbar-links { display: flex; align-items: center; gap: 22px; }
.topbar a { display: inline-flex; align-items: center; gap: 6px; }
.site-header { position: sticky; top: 0; z-index: 30; background: rgba(255,255,255,.96); border-bottom: 1px solid rgba(223,232,241,.9); backdrop-filter: blur(14px); }
.header-inner { min-height: 82px; display: flex; align-items: center; gap: 28px; }
.brand { width: 294px; display: block; margin-right: auto; }
.brand img { width: 100%; height: auto; display: block; }
.desktop-nav { display: flex; align-items: center; gap: 26px; font-size: .91rem; font-weight: 700; color: #354761; }
.desktop-nav a { transition: color .2s ease; }
.desktop-nav a:hover { color: var(--cyan); }
.desktop-nav a.active { color: var(--navy); position: relative; }
.desktop-nav a.active::after { content: ""; position: absolute; right: 0; bottom: -13px; left: 0; height: 3px; background: var(--cyan); border-radius: 3px; }
.mobile-nav { display: none; position: relative; }
.mobile-nav summary { cursor: pointer; font-weight: 800; color: var(--navy); list-style: none; }
.mobile-nav nav { position: absolute; right: 0; top: 36px; width: 210px; padding: 12px; display: grid; gap: 4px; background: white; border: 1px solid var(--line); border-radius: 14px; box-shadow: 0 18px 40px rgba(4,38,82,.16); }
.mobile-nav nav a { padding: 10px 12px; border-radius: 9px; font-weight: 700; }
.mobile-nav nav a:hover { background: var(--cyan-soft); }
.mobile-menu-button { display: none; padding: 10px 13px; color: var(--navy); background: white; border: 1px solid var(--line); border-radius: 9px; font-weight: 800; cursor: pointer; }
.mobile-menu { display: none; }
.desk-symbol { width: 48px; height: 48px; display: grid; place-items: center; color: white; background: var(--navy); border-radius: 50%; font-size: .72rem; }
.mini-icon { width: 34px; height: 34px; display: grid; place-items: center; color: #077e99; background: var(--cyan-soft); border-radius: 9px; font-size: .72rem; }
.trust-mark { width: 30px; height: 30px; display: grid; place-items: center; color: white; background: var(--cyan); border-radius: 50%; }
.location-pin { color: #8dedf5; font-size: 2rem; }

.button { min-height: 50px; padding: 0 22px; display: inline-flex; align-items: center; justify-content: center; gap: 9px; border: 0; border-radius: 12px; background: linear-gradient(135deg, var(--cyan), #0799c7); color: white; font-weight: 800; cursor: pointer; box-shadow: 0 10px 24px rgba(8,185,207,.22); transition: transform .2s ease, box-shadow .2s ease; }
.button:hover { transform: translateY(-2px); box-shadow: 0 14px 30px rgba(8,185,207,.3); }
.button-small { min-height: 42px; padding-inline: 17px; font-size: .86rem; }
.button-ghost { background: transparent; color: white; border: 1px solid rgba(255,255,255,.35); box-shadow: none; }
.button-light { background: white; color: var(--navy); box-shadow: none; }

.hero { position: relative; overflow: hidden; color: white; background: radial-gradient(circle at 78% 28%, rgba(8,185,207,.26), transparent 24%), linear-gradient(122deg, var(--navy-dark), var(--navy) 66%, #074e84); }
.hero-grid { position: absolute; inset: 0; opacity: .13; background-image: linear-gradient(rgba(255,255,255,.18) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.18) 1px, transparent 1px); background-size: 42px 42px; mask-image: linear-gradient(to right, transparent, black 40%); }
.hero-layout { position: relative; min-height: 630px; padding: 78px 0 88px; display: grid; grid-template-columns: 1.15fr .85fr; align-items: center; gap: 72px; }
.eyebrow { margin: 0 0 18px; display: inline-flex; align-items: center; gap: 8px; color: #087c9f; font-size: .76rem; font-weight: 900; letter-spacing: .12em; text-transform: uppercase; }
.hero .eyebrow { color: #80e6f2; }
.hero h1 { max-width: 720px; margin: 0; font-size: clamp(2.7rem, 5.4vw, 4.65rem); line-height: .99; letter-spacing: -.055em; }
.hero h1 span { display: block; color: #87eaf3; }
.hero-lead { max-width: 680px; margin: 25px 0 0; color: #d7e7f8; font-size: 1.08rem; line-height: 1.78; }
.hero-actions { margin-top: 32px; display: flex; flex-wrap: wrap; gap: 12px; }
.hero-meta { margin-top: 32px; display: flex; flex-wrap: wrap; gap: 20px; color: #bfcee2; font-size: .87rem; }
.hero-meta span { display: inline-flex; align-items: center; gap: 6px; }
.service-desk { padding: 18px; background: rgba(255,255,255,.98); color: var(--ink); border-radius: 24px; box-shadow: 0 30px 70px rgba(0,14,41,.3); }
.desk-head { min-height: 88px; padding: 8px 12px 18px; display: flex; align-items: center; justify-content: space-between; color: var(--navy); }
.desk-head span { color: #708099; font-size: .72rem; font-weight: 900; letter-spacing: .1em; text-transform: uppercase; }
.desk-head h2 { margin: 7px 0 0; font-size: 1.55rem; }
.service-desk > a { min-height: 78px; padding: 15px; margin-top: 9px; display: grid; grid-template-columns: 36px 1fr auto; align-items: center; gap: 11px; border: 1px solid var(--line); border-radius: 14px; transition: border-color .2s, transform .2s; }
.service-desk > a:hover { border-color: var(--cyan); transform: translateX(3px); }
.service-desk > a > svg:first-child { color: var(--cyan); }
.service-desk strong, .service-desk small { display: block; }
.service-desk strong { color: var(--ink); font-size: .93rem; }
.service-desk small { margin-top: 4px; color: var(--muted); font-size: .76rem; }
.privacy-note { margin: 15px 4px 0; padding: 12px 13px; display: flex; gap: 9px; background: #f2f8fd; border-radius: 10px; color: #54667f; font-size: .72rem; line-height: 1.5; }
.privacy-note svg { flex: 0 0 auto; color: #1787a2; }
.hero-proof { margin-top: 34px; display: flex; flex-wrap: wrap; gap: 12px; }
.hero-proof span { padding: 9px 12px; display: inline-flex; align-items: center; gap: 7px; color: #d8e9f8; background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.12); border-radius: 999px; font-size: .76rem; font-weight: 700; }
.hero-proof b { color: #75e7ef; }
.command-card { padding: 16px; color: var(--ink); background: white; border: 1px solid rgba(255,255,255,.2); border-radius: 25px; box-shadow: 0 30px 75px rgba(0,14,41,.34); }
.command-head { padding: 13px 13px 20px; display: grid; gap: 6px; }
.command-head span { color: #72829a; font-size: .7rem; font-weight: 900; letter-spacing: .12em; text-transform: uppercase; }
.command-head strong { color: var(--navy); font-size: 1.5rem; }
.command-card > a { min-height: 88px; padding: 15px; margin-top: 9px; display: grid; grid-template-columns: 42px 1fr auto; align-items: center; gap: 13px; border: 1px solid var(--line); border-radius: 14px; transition: .2s ease; }
.command-card > a:hover { border-color: var(--cyan); transform: translateX(3px); }
.command-card > a > b { width: 38px; height: 38px; display: grid; place-items: center; color: white; background: var(--navy); border-radius: 10px; font-size: .7rem; }
.command-card > a strong, .command-card > a small { display: block; }
.command-card > a strong { color: var(--navy); font-size: .9rem; }
.command-card > a small { margin-top: 5px; color: var(--muted); font-size: .73rem; }
.command-card em { color: var(--cyan); font-style: normal; font-size: 1.2rem; }
.command-card > p { margin: 14px 4px 0; padding: 12px; color: #607089; background: var(--wash); border-radius: 10px; font-size: .7rem; line-height: 1.5; }

.trust-strip { position: relative; z-index: 2; background: white; border-bottom: 1px solid var(--line); }
.trust-grid { min-height: 102px; display: grid; grid-template-columns: repeat(4, 1fr); }
.trust-grid > div { padding: 22px 24px; display: flex; align-items: center; gap: 13px; border-right: 1px solid var(--line); }
.trust-grid > div:last-child { border-right: 0; }
.trust-grid svg { color: var(--cyan); }
.trust-grid strong, .trust-grid small { display: block; }
.trust-grid strong { color: var(--navy); font-size: .9rem; }
.trust-grid small { margin-top: 4px; color: var(--muted); font-size: .73rem; }

.section { padding: 100px 0; }
.services-section { background: var(--wash); }
.section-heading { margin-bottom: 38px; display: grid; grid-template-columns: 1.3fr .7fr; gap: 60px; align-items: end; }
.section-heading h2, .center-heading h2, .locations-copy h2, .contact-copy h2, .about-layout h2 { margin: 0; color: var(--navy-dark); font-size: clamp(2rem, 4vw, 3.15rem); line-height: 1.08; letter-spacing: -.045em; }
.section-heading > p { margin: 0; color: var(--muted); line-height: 1.75; }
.service-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.service-card { min-height: 290px; padding: 27px; display: flex; flex-direction: column; background: white; border: 1px solid var(--line); border-radius: 18px; box-shadow: 0 10px 30px rgba(7,44,88,.055); }
.icon-box { width: 48px; height: 48px; display: grid; place-items: center; border-radius: 13px; }
.icon-box.cyan { background: var(--cyan-soft); color: #0787a0; }
.icon-box.navy { background: #e9f0fb; color: var(--navy); }
.icon-box.orange { background: #fff2d6; color: #d27a00; }
.service-card h3 { margin: 21px 0 10px; color: var(--navy); font-size: 1.07rem; }
.service-card p { margin: 0; color: var(--muted); font-size: .88rem; line-height: 1.68; }
.service-card a { margin-top: auto; padding-top: 22px; display: inline-flex; align-items: center; gap: 7px; color: #087f9d; font-size: .81rem; font-weight: 800; }

.pillar-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.pillar-card { min-height: 400px; padding: 34px; display: flex; flex-direction: column; color: white; border-radius: 22px; overflow: hidden; box-shadow: 0 20px 50px rgba(4,34,76,.16); }
.pillar-card span { font-size: .72rem; font-weight: 900; letter-spacing: .12em; text-transform: uppercase; opacity: .8; }
.pillar-card h3 { margin: 32px 0 16px; font-size: 1.72rem; line-height: 1.17; }
.pillar-card p { margin: 0; color: rgba(255,255,255,.8); line-height: 1.75; }
.pillar-card a { margin-top: auto; padding-top: 28px; color: white; font-weight: 800; }
.pillar-credit { background: linear-gradient(150deg, #052554, #057c9c); }
.pillar-loan { background: linear-gradient(150deg, #08356f, #087ba8); }
.pillar-digital { background: linear-gradient(150deg, #073261, #a86306); }
.home-split { padding: 105px 0; color: white; background: var(--navy-dark); }
.split-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 85px; align-items: center; }
.split-layout h2 { margin: 0; font-size: clamp(2.2rem, 4.4vw, 3.65rem); line-height: 1.05; letter-spacing: -.05em; }
.split-layout > div:first-child > p:not(.eyebrow) { color: #c5d7e9; line-height: 1.8; }
.principles-list { display: grid; gap: 12px; }
.principles-list article { padding: 22px; display: grid; grid-template-columns: 44px 1fr; gap: 15px; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.1); border-radius: 15px; }
.principles-list article > b { width: 40px; height: 40px; display: grid; place-items: center; color: var(--navy-dark); background: #78e4ed; border-radius: 10px; }
.principles-list h3 { margin: 0 0 5px; }
.principles-list p { margin: 0; color: #bcd0e3; font-size: .84rem; line-height: 1.65; }
.home-locations { background: var(--cyan-soft); }

.page-hero { color: white; background: radial-gradient(circle at 84% 30%, rgba(8,185,207,.28), transparent 25%), linear-gradient(122deg, var(--navy-dark), var(--navy)); }
.page-hero-inner { min-height: 430px; padding: 80px 0; display: grid; grid-template-columns: 1fr 260px; gap: 80px; align-items: center; }
.page-hero h1 { max-width: 820px; margin: 0; font-size: clamp(2.55rem, 5vw, 4.4rem); line-height: 1.02; letter-spacing: -.055em; }
.page-hero p:not(.eyebrow) { max-width: 760px; margin: 23px 0 0; color: #d4e3f2; font-size: 1.02rem; line-height: 1.75; }
.page-number { width: 220px; height: 220px; display: grid; place-items: center; justify-self: end; color: rgba(255,255,255,.8); border: 1px solid rgba(255,255,255,.18); border-radius: 50%; background: rgba(255,255,255,.06); font-size: 4.5rem; font-weight: 900; }
.page-hero .score-ring { justify-self: end; }
.page-hero .hero-actions { margin-top: 28px; }
.content-grid { display: grid; grid-template-columns: 1.2fr .8fr; gap: 75px; align-items: start; }
.content-copy h2 { margin: 0 0 20px; color: var(--navy-dark); font-size: clamp(2rem, 4vw, 3.1rem); line-height: 1.08; letter-spacing: -.045em; }
.content-copy > p:not(.eyebrow) { color: var(--muted); line-height: 1.8; }
.detail-list { margin-top: 34px; display: grid; gap: 12px; }
.detail-list > div { padding: 18px; display: grid; grid-template-columns: 42px 1fr; gap: 14px; border: 1px solid var(--line); border-radius: 13px; }
.detail-list > div > b { width: 38px; height: 38px; display: grid; place-items: center; color: white; background: var(--navy); border-radius: 9px; font-size: .7rem; }
.detail-list strong, .detail-list small { display: block; }
.detail-list strong { color: var(--navy); }
.detail-list small { margin-top: 5px; color: var(--muted); line-height: 1.6; }
.info-panel { padding: 32px; color: white; background: linear-gradient(150deg, var(--navy-dark), var(--navy)); border-radius: 20px; box-shadow: 0 20px 45px rgba(3,29,69,.18); }
.info-panel h3 { margin-top: 0; font-size: 1.5rem; }
.info-panel p, .info-panel li { color: #ccdded; line-height: 1.75; }
.info-panel ul { padding-left: 20px; }
.feature-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 15px; }
.feature-grid article { min-height: 230px; padding: 24px; background: white; border: 1px solid var(--line); border-radius: 17px; }
.feature-grid span { color: #07859f; font-size: .68rem; font-weight: 900; letter-spacing: .1em; text-transform: uppercase; }
.feature-grid h3 { margin: 26px 0 10px; color: var(--navy); }
.feature-grid p { color: var(--muted); font-size: .82rem; line-height: 1.65; }
.notice-band { padding: 28px 0; background: #fff4db; border-block: 1px solid #f4d795; }
.notice-band .shell { display: flex; align-items: flex-start; gap: 14px; }
.notice-band b { color: #8d5600; white-space: nowrap; }
.notice-band p { margin: 0; color: #725524; line-height: 1.65; }
.cta-band { padding: 55px 0; color: white; background: linear-gradient(110deg, #07366e, #087d9e); }
.cta-band .shell { display: flex; align-items: center; justify-content: space-between; gap: 45px; }
.cta-band span { color: #8ce9ef; font-size: .72rem; font-weight: 900; letter-spacing: .12em; text-transform: uppercase; }
.cta-band h2 { max-width: 780px; margin: 8px 0 0; font-size: clamp(1.55rem, 3vw, 2.35rem); line-height: 1.15; }
.location-page-cards { max-width: 860px; margin: 0 auto; }
.location-page-cards article { min-height: 280px; }
.location-page-cards a { display: inline-block; margin-top: 18px; color: #8dedf5; font-weight: 800; }
.location-contact { margin: 45px auto 0; text-align: center; }
.location-contact h2 { color: var(--navy); }
.location-contact p { color: var(--muted); }
.location-contact .button { margin: 10px 5px 0; }
.button-outline { color: var(--navy); background: transparent; border: 1px solid var(--navy); box-shadow: none; }

.credit-section { padding: 100px 0; color: white; background: linear-gradient(120deg, #03204a, #073a77); overflow: hidden; }
.credit-layout { display: grid; grid-template-columns: 1.05fr .95fr; gap: 90px; align-items: center; }
.eyebrow.light { color: #84e8f4; }
.credit-copy h2 { margin: 0; font-size: clamp(2.25rem, 4.5vw, 3.7rem); line-height: 1.04; letter-spacing: -.05em; }
.credit-copy > p:not(.eyebrow) { margin: 24px 0; color: #cfddf0; line-height: 1.75; }
.credit-copy ul { margin: 0 0 30px; padding: 0; display: grid; gap: 11px; list-style: none; color: #e6f0fc; }
.credit-copy li { display: flex; align-items: center; gap: 9px; }
.credit-copy li svg { color: #6fe1ed; }
.credit-panel { position: relative; min-height: 400px; display: grid; place-items: center; border: 1px solid rgba(255,255,255,.14); border-radius: 28px; background: radial-gradient(circle at center, rgba(10,197,216,.22), transparent 50%), rgba(255,255,255,.035); }
.score-ring { width: 245px; height: 245px; display: flex; flex-direction: column; align-items: center; justify-content: center; border: 18px solid rgba(255,255,255,.1); border-top-color: #4dd8e8; border-right-color: #0aa9ca; border-radius: 50%; background: #062b61; box-shadow: 0 0 0 1px rgba(255,255,255,.12), 0 24px 60px rgba(0,0,0,.25); }
.score-ring span { color: #8ddfea; font-size: .78rem; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; }
.score-ring strong { margin-top: 5px; font-size: 2.35rem; }
.score-ring small { margin-top: 9px; color: #c6d9ed; }
.score-note { position: absolute; right: 22px; bottom: 20px; left: 22px; padding: 14px; display: flex; gap: 11px; align-items: flex-start; background: rgba(255,255,255,.1); border-radius: 13px; }
.score-note p { margin: 0; color: #d6e4f4; font-size: .75rem; line-height: 1.55; }
.score-note svg { flex: 0 0 auto; color: #6fe1ed; }

.center-heading { max-width: 680px; margin: 0 auto 42px; text-align: center; }
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.step-card { position: relative; padding: 34px; border-top: 3px solid var(--cyan); background: white; box-shadow: 0 12px 36px rgba(7,44,88,.09); }
.step-card > span { color: #b9c7d8; font-size: 2.5rem; font-weight: 900; }
.step-card h3 { margin: 18px 0 10px; color: var(--navy); }
.step-card p { margin: 0; color: var(--muted); font-size: .89rem; line-height: 1.7; }

.locations-section { background: var(--cyan-soft); }
.locations-layout { display: grid; grid-template-columns: .85fr 1.15fr; gap: 80px; align-items: center; }
.locations-copy > p:not(.eyebrow) { margin: 22px 0; color: var(--muted); line-height: 1.75; }
.text-link { display: inline-flex; align-items: center; gap: 9px; color: var(--navy); font-weight: 800; }
.location-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.location-cards article { min-height: 210px; padding: 29px; display: flex; align-items: flex-end; gap: 17px; color: white; border-radius: 20px; background: linear-gradient(145deg, var(--navy), #08759a); box-shadow: 0 17px 38px rgba(3,38,82,.18); }
.location-cards svg { width: 34px; height: 34px; color: #8dedf5; }
.location-cards span { color: #9be9f1; font-size: .72rem; font-weight: 900; letter-spacing: .1em; text-transform: uppercase; }
.location-cards h3 { margin: 6px 0 3px; font-size: 1.65rem; }
.location-cards p { margin: 0; color: #d3e6f3; }

.about-band { padding: 90px 0; border-bottom: 1px solid var(--line); }
.about-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 85px; }
.about-layout > div:last-child { color: var(--muted); font-size: 1rem; line-height: 1.85; }
.about-layout > div:last-child p { margin: 0 0 15px; }

.contact-section { background: var(--wash); }
.contact-layout { display: grid; grid-template-columns: .75fr 1.25fr; gap: 70px; }
.contact-copy > p:not(.eyebrow) { color: var(--muted); line-height: 1.75; }
.contact-list { margin-top: 32px; display: grid; gap: 12px; }
.contact-list a { padding: 13px 0; display: flex; align-items: center; gap: 14px; border-bottom: 1px solid var(--line); }
.contact-list svg { color: var(--cyan); }
.contact-list small, .contact-list strong { display: block; }
.contact-list small { margin-bottom: 4px; color: var(--muted); font-size: .72rem; }
.contact-list strong { color: var(--navy); font-size: .9rem; }
.enquiry-form { padding: 36px; display: grid; gap: 18px; background: white; border: 1px solid var(--line); border-radius: 20px; box-shadow: 0 18px 48px rgba(6,45,103,.09); }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.enquiry-form label { display: grid; gap: 7px; color: #30425b; font-size: .79rem; font-weight: 800; }
.enquiry-form input, .enquiry-form select, .enquiry-form textarea { width: 100%; min-height: 47px; padding: 12px 13px; color: var(--ink); background: #fbfdff; border: 1px solid #cedae7; border-radius: 9px; outline: none; }
.enquiry-form textarea { resize: vertical; }
.enquiry-form input:focus, .enquiry-form select:focus, .enquiry-form textarea:focus { border-color: var(--cyan); box-shadow: 0 0 0 3px rgba(8,185,207,.12); }
.consent { grid-template-columns: 18px 1fr !important; align-items: start; font-weight: 500 !important; line-height: 1.55; }
.consent input { min-height: 0; margin-top: 3px; }
.consent a { color: #087f9d; text-decoration: underline; }
.form-button { width: 100%; }
.honeypot { position: absolute; left: -9999px; }
.form-notice { padding: 13px 15px; border-radius: 10px; font-size: .84rem; line-height: 1.5; }
.form-notice.success { color: #075f47; background: #dff8ee; border: 1px solid #a9e5cf; }
.form-notice.error { color: #922c20; background: #fff0ed; border: 1px solid #f2c2ba; }

footer { padding: 70px 0 22px; color: #b9c9dc; background: #031936; }
.footer-grid { display: grid; grid-template-columns: 1.6fr .7fr .9fr .7fr; gap: 55px; }
.footer-brand img { max-width: 280px; height: auto; padding: 8px; background: white; border-radius: 10px; }
.footer-brand p { max-width: 380px; line-height: 1.7; }
footer h3 { margin: 5px 0 18px; color: white; font-size: .9rem; }
.footer-grid > div:not(.footer-brand) { display: flex; flex-direction: column; gap: 11px; font-size: .8rem; }
.footer-grid a:hover { color: #75e3ed; }
.footer-bottom { margin-top: 46px; padding-top: 20px; display: flex; justify-content: space-between; gap: 30px; border-top: 1px solid rgba(255,255,255,.1); font-size: .7rem; line-height: 1.5; }

.legal-page { min-height: 100vh; background: var(--wash); }
.legal-header { padding: 22px 0; background: white; border-bottom: 1px solid var(--line); }
.legal-header img { width: 270px; height: auto; }
.legal-content { max-width: 850px; padding: 70px 0 100px; }
.legal-content h1 { color: var(--navy); font-size: 2.7rem; }
.legal-content h2 { margin-top: 38px; color: var(--navy); }
.legal-content p, .legal-content li { color: var(--muted); line-height: 1.8; }
.legal-content .button { margin-top: 25px; }

@media (max-width: 980px) {
  .desktop-nav, .header-inner > .button-small { display: none; }
  .mobile-nav { display: none; }
  .mobile-menu-button { display: block; }
  .mobile-menu.open { position: absolute; right: 20px; top: 66px; width: 220px; padding: 12px; display: grid; gap: 4px; background: white; border: 1px solid var(--line); border-radius: 14px; box-shadow: 0 18px 40px rgba(4,38,82,.16); }
  .mobile-menu a { padding: 10px 12px; border-radius: 9px; font-weight: 700; }
  .mobile-menu a:hover { background: var(--cyan-soft); }
  .brand { width: 260px; }
  .hero-layout, .credit-layout, .locations-layout, .contact-layout, .about-layout { grid-template-columns: 1fr; }
  .hero-layout { gap: 45px; }
  .service-desk { max-width: 580px; }
  .trust-grid, .service-grid { grid-template-columns: repeat(2, 1fr); }
  .trust-grid > div:nth-child(2) { border-right: 0; }
  .trust-grid > div:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
  .section-heading { grid-template-columns: 1fr; gap: 20px; }
  .credit-panel { min-height: 430px; }
  .locations-layout, .contact-layout, .about-layout { gap: 42px; }
  .footer-grid { grid-template-columns: 1.5fr 1fr 1fr; }
  .footer-grid > div:last-child { grid-column: 2; }
  .pillar-grid { grid-template-columns: 1fr; }
  .pillar-card { min-height: 320px; }
  .split-layout, .content-grid { grid-template-columns: 1fr; gap: 45px; }
  .page-hero-inner { grid-template-columns: 1fr; gap: 35px; }
  .page-number, .page-hero .score-ring { justify-self: start; }
  .feature-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 680px) {
  .shell { width: min(100% - 28px, 1160px); }
  .topbar-inner > span, .topbar-links a:last-child { display: none; }
  .topbar-inner { justify-content: center; }
  .header-inner { min-height: 71px; }
  .brand { width: 220px; }
  .hero-layout { min-height: 0; padding: 60px 0; }
  .hero h1 { font-size: 2.75rem; }
  .hero-lead { font-size: .98rem; }
  .hero-actions, .hero-actions .button { width: 100%; }
  .hero-meta { gap: 13px; }
  .trust-grid { grid-template-columns: 1fr; }
  .trust-grid > div { border-right: 0; border-bottom: 1px solid var(--line); }
  .section { padding: 72px 0; }
  .service-grid, .steps-grid, .location-cards, .field-row, .footer-grid { grid-template-columns: 1fr; }
  .service-card { min-height: 260px; }
  .credit-section { padding: 75px 0; }
  .credit-layout { gap: 48px; }
  .credit-panel { min-height: 390px; }
  .score-ring { width: 210px; height: 210px; }
  .location-cards article { min-height: 170px; }
  .enquiry-form { padding: 23px; }
  .footer-grid > div:last-child { grid-column: auto; }
  .footer-bottom { flex-direction: column; }
  .page-hero-inner { min-height: 0; padding: 65px 0; }
  .page-number { width: 150px; height: 150px; font-size: 3.2rem; }
  .feature-grid { grid-template-columns: 1fr; }
  .cta-band .shell { align-items: flex-start; flex-direction: column; }
  .notice-band .shell { flex-direction: column; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; }
}