@keyframes modal-in {
  0% {
    opacity: 0;
    transform: translateY(18px) scale(0.98);
  }
  to {
    opacity: 1;
    transform: none;
  }
}
@keyframes modal-fade {
  0% {
    opacity: 0;
  }
  to {
    opacity: 1;
  }
}
@keyframes fq-in {
  0% {
    opacity: 0;
    transform: translateY(-4px);
  }
  to {
    opacity: 1;
    transform: none;
  }
}
@keyframes rcIn {
  0% {
    opacity: 0;
    transform: translateY(12px);
  }
  to {
    opacity: 1;
    transform: none;
  }
}
@font-face {
  font-family: "Inter";
  src: url(../fonts/inter-latin-400-normal.woff2) format("woff2");
  font-weight: 400;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: "Inter";
  src: url(../fonts/inter-latin-400-italic.woff2) format("woff2");
  font-weight: 400;
  font-style: italic;
  font-display: swap;
}
@font-face {
  font-family: "Inter";
  src: url(../fonts/inter-latin-500-normal.woff2) format("woff2");
  font-weight: 500;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: "Inter";
  src: url(../fonts/inter-latin-500-italic.woff2) format("woff2");
  font-weight: 500;
  font-style: italic;
  font-display: swap;
}
@font-face {
  font-family: "Inter";
  src: url(../fonts/inter-latin-600-normal.woff2) format("woff2");
  font-weight: 600;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: "Inter";
  src: url(../fonts/inter-latin-600-italic.woff2) format("woff2");
  font-weight: 600;
  font-style: italic;
  font-display: swap;
}
@font-face {
  font-family: "Inter";
  src: url(../fonts/inter-latin-700-normal.woff2) format("woff2");
  font-weight: 700;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: "Inter";
  src: url(../fonts/inter-latin-700-italic.woff2) format("woff2");
  font-weight: 700;
  font-style: italic;
  font-display: swap;
}
:root {
  --navy-950: #1a3634;
  --navy-900: #244b48;
  --navy-850: #27514e;
  --navy-800: #2a5956;
  --navy-700: #3b7470;
  --gold: #2f625f;
  --gold-deep: #244b48;
  --gold-pale: #dce7e7;
  --paper: #f4f6f7;
  --white: #ffffff;
  --ink: #2c2c2c;
  --muted: #5b6968;
  --line: #e0e3e3;
  --line-gold: rgba(47, 98, 95, 0.55);
  --line-navy: rgba(220, 231, 231, 0.18);
  --serif:
    "Inter", -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --sans:
    "Inter", -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --radius: 10px;
  --shadow: 0 18px 45px -18px rgba(26, 54, 52, 0.22);
  --ease: cubic-bezier(0.22, 0.8, 0.3, 1);
}
* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}
html {
  scroll-behavior: smooth;
}
:focus,
:focus-visible {
  outline: none;
}
body {
  font-family: var(--sans);
  color: var(--ink);
  background: var(--white);
  font-size: 17.5px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img,
svg {
  max-width: 100%;
  display: block;
}
a,
button {
  color: inherit;
}
a {
  text-decoration: none;
}
ul {
  list-style: none;
}
button {
  font: inherit;
  cursor: pointer;
  background: 0 0;
  border: 0;
}
.wrap {
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0 clamp(24px, 3vw, 48px);
}
h1,
h2,
h3 {
  font-family: var(--serif);
}
h1,
h2 {
  font-weight: 700;
  letter-spacing: -0.025em;
}
h3 {
  letter-spacing: -0.01em;
}
h2 {
  font-size: clamp(1.8rem, 3.2vw, 2.5rem);
  line-height: 1.16;
  color: var(--navy-900);
}
.gold-i {
  font-style: italic;
  color: var(--gold-deep);
}
.header.at-top .nav-link:hover,
.on-navy .gold-i {
  color: var(--gold-pale);
}
.btn,
h3 {
  font-weight: 600;
}
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.55rem;
  padding: 0.95rem 1.7rem;
  border-radius: 6px;
  font-size: 0.95rem;
  letter-spacing: 0.01em;
  transition:
    transform 0.25s var(--ease),
    box-shadow 0.25s var(--ease),
    background 0.25s var(--ease),
    color 0.25s var(--ease);
  border: 1px solid transparent;
  text-align: center;
  white-space: nowrap;
}
.btn-gold:hover {
  box-shadow: 0 12px 28px -10px rgba(47, 98, 95, 0.55);
}
.btn-outline {
  border-color: var(--line-gold);
  color: var(--navy-900);
}
.btn-outline:hover {
  border-color: var(--gold);
  color: var(--gold-deep);
}
.on-navy .btn-outline {
  border-color: rgba(220, 231, 231, 0.45);
  color: var(--gold-pale);
}
.on-navy .btn-outline:hover {
  border-color: var(--gold-pale);
  background: rgba(220, 231, 231, 0.08);
}
.btn .arrow {
  display: inline-flex;
  width: 18px;
  height: 18px;
  transition: transform 0.25s var(--ease);
}
.btn .arrow svg {
  width: 100%;
  height: 100%;
  display: block;
}
.btn:hover .arrow,
.plan-links a:hover svg {
  transform: translateX(3px);
}
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 80;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.nav-link {
  transition:
    color 0.35s var(--ease),
    background 0.35s var(--ease);
}
.brand,
.header .wrap {
  display: flex;
  align-items: center;
}
.header .wrap {
  min-height: 76px;
  gap: 1.2rem;
}
.brand {
  gap: 0.8rem;
  position: relative;
  z-index: 80;
}
.nav-cta-mobile {
  display: none;
}
.nav,
.nav > ul {
  display: flex;
  align-items: center;
}
.nav {
  margin-left: auto;
}
.nav > ul {
  gap: 0.2rem;
}
.nav > ul > li {
  position: relative;
}
.mega a.mi,
.nav-link {
  border-radius: 6px;
  color: var(--navy-800);
}
.nav-link {
  display: flex;
  align-items: center;
  gap: 0.35rem;
  padding: 0.7rem 0.85rem;
  font-size: 0.92rem;
  font-weight: 550;
  transition: color 0.2s;
  white-space: nowrap;
}
.faq summary:hover,
.mega a.mi:hover,
.nav-link:hover,
.rc-tile.is-good b,
body.no-hero .header.at-top .nav-link:hover {
  color: var(--gold-deep);
}
.nav-link .caret {
  width: 9px;
  height: 9px;
  border-right: 1.6px solid currentColor;
  border-bottom: 1.6px solid currentColor;
  transform: rotate(45deg) translateY(-2px);
  transition: transform 0.25s var(--ease);
}
li.open > .nav-link .caret {
  transform: rotate(225deg) translateY(-1px);
}
.mega,
.mega::before {
  position: absolute;
  right: 0;
}
.mega {
  top: calc(100% + 10px);
  transform: translate(var(--shift, 0px), 8px);
  background: #fff;
  border: 1px solid var(--line);
  border-top: 2px solid var(--gold);
  border-radius: 0 0 var(--radius) var(--radius);
  box-shadow: var(--shadow);
  padding: 1.5rem 1.7rem;
  min-width: 260px;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition:
    opacity 0.22s var(--ease),
    transform 0.22s var(--ease),
    visibility 0.22s;
  z-index: 90;
}
.mega::before {
  content: "";
  top: -14px;
  left: 0;
  height: 14px;
}
li.open > .mega {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translate(var(--shift, 0px), 0);
}
.mega-cols {
  display: flex;
  gap: 2.4rem;
}
.mega-col {
  min-width: 210px;
}
.mega-title {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--ink);
  padding-bottom: 0.55rem;
  margin-bottom: 0.55rem;
  border-bottom: 1px solid var(--line);
}
.mega a.mi {
  display: block;
  padding: 0.42rem 0.5rem;
  margin: 0-0.5rem;
  font-size: 0.9rem;
  transition:
    background 0.18s,
    color 0.18s;
}
.mega a.mi:hover {
  background: var(--paper);
}
.mega a.mi span {
  display: block;
  font-size: 0.74rem;
  color: var(--muted);
  line-height: 1.35;
  margin-top: 0.05rem;
}
.mega-foot {
  margin-top: 1rem;
  padding-top: 0.8rem;
  border-top: 1px solid var(--line);
  font-size: 0.83rem;
}
.header-cta {
  display: flex;
  align-items: center;
  gap: 1rem;
}
.header .btn {
  padding: 0.72rem 1.25rem;
  font-size: 0.88rem;
}
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 0.6rem;
}
.nav-toggle span {
  width: 24px;
  height: 2px;
  background: var(--navy-900);
  transition:
    transform 0.3s var(--ease),
    opacity 0.3s;
}
.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);
}
.hero {
  position: relative;
  color: #eef3f2;
  overflow: hidden;
  min-height: 100vh;
  padding-top: 76px;
  display: flex;
  align-items: center;
}
.hero.on-navy {
  background:
    linear-gradient(
      to top,
      rgba(8, 59, 74, 0.92) 0,
      rgba(11, 74, 93, 0.35) 30%,
      rgba(11, 74, 93, 0) 55%
    ),
    radial-gradient(
      120% 90%at 85% 15%,
      rgba(20, 100, 122, 0.55) 0,
      rgba(11, 74, 93, 0) 60%
    ),
    linear-gradient(
      100deg,
      rgba(8, 59, 74, 0.97) 0,
      rgba(11, 74, 93, 0.9) 36%,
      rgba(11, 74, 93, 0.62) 66%,
      rgba(14, 86, 105, 0.7) 100%
    ),
    url(../img/hero-reverse-mortgage-advice-nz.jpg) center/cover no-repeat;
  background-color: #0b4a5d;
}
@supports (height: 100svh) {
  .hero {
    min-height: 100svh;
  }
}
.hero .wrap {
  position: relative;
  z-index: 2;
  width: 100%;
  padding-top: clamp(3rem, 5vw, 4.5rem);
  padding-bottom: clamp(3rem, 5vw, 4.5rem);
}
.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 7fr) minmax(0, 5fr);
  gap: 3.5rem;
  align-items: center;
}
.hero h1 {
  font-size: clamp(2.3rem, 4.4vw, 3.5rem);
  line-height: 1.1;
  font-weight: 700;
  color: #fff;
  letter-spacing: -0.03em;
  text-wrap: balance;
}
.hero h1 .gold-i {
  color: var(--gold-pale);
}
.hero-sub {
  margin-top: 1.4rem;
  font-size: 1.08rem;
  line-height: 1.7;
  color: #c8d5d4;
  max-width: 34rem;
}
.hero-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 0.9rem;
  margin-top: 2.2rem;
}
.hero-trust {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 1.15rem;
  margin-top: 2.6rem;
  padding-top: 1.7rem;
  border-top: 1px solid var(--line-navy);
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 1.1rem;
  flex-wrap: wrap;
}
.hf-row label,
.trust-copy b {
  display: block;
  font-weight: 600;
  font-size: 0.95rem;
  color: #fff;
  line-height: 1.4;
}
.trust-copy span {
  display: block;
  font-size: 0.84rem;
  color: #b6c5c4;
  line-height: 1.4;
}
.hero-form {
  background: #fff;
  border-radius: var(--radius);
  color: var(--ink);
  box-shadow: 0 30px 70px -22px rgba(26, 54, 52, 0.65);
  padding: 1.9rem 1.9rem 1.5rem;
}
.hero-form .hf-title,
.hero-form h2,
.on-navy .hero-form .hf-title,
.on-navy .hero-form h2 {
  font-family: var(--serif);
  font-weight: 700;
  font-size: 1.32rem;
  line-height: 1.25;
  color: var(--navy-900);
  letter-spacing: -0.02em;
}
.hf-sub {
  font-size: 0.86rem;
  color: var(--muted);
  margin: 0.35rem 0 1.25rem;
}
.hf-row {
  margin-bottom: 0.95rem;
}
.hf-row label {
  font-size: 0.78rem;
  color: var(--navy-800);
  margin-bottom: 0.35rem;
}
.hf-opt {
  font-weight: 400;
  color: var(--muted);
}
.hf-row textarea {
  min-height: 76px;
  resize: vertical;
  line-height: 1.5;
}
.hf-row input,
.hf-row select,
.hf-row textarea {
  width: 100%;
  padding: 0.68rem 0.8rem;
  border: 1px solid #d6d3c9;
  border-radius: 6px;
  font: inherit;
  font-size: 0.93rem;
  color: var(--navy-900);
  background: #fff;
  transition:
    border-color 0.2s,
    box-shadow 0.2s;
}
.hf-row input:focus,
.hf-row select:focus,
.hf-row textarea:focus {
  outline: 0;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(47, 98, 95, 0.18);
}
.hf-2col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.95rem;
}
.hero-form .btn {
  width: 100%;
  margin-top: 0.25rem;
}
.hf-note {
  font-size: 0.72rem;
  color: var(--muted);
  text-align: center;
  margin-top: 0.85rem;
  line-height: 1.5;
}
.hf-success {
  text-align: center;
  padding: 2.2rem 0.5rem;
}
.hf-success .hf-done,
.hf-success h3 {
  font-family: var(--serif);
  font-weight: 700;
  letter-spacing: -0.025em;
  color: var(--navy-900);
  font-size: 1.15rem;
  margin: 0.9rem 0 0.4rem;
}
.hf-success p {
  font-size: 0.9rem;
  color: var(--muted);
}
.enquiry-modal {
  border: 0;
  padding: 0;
  background: 0 0;
  color: var(--ink);
  width: min(520px, calc(100vw - 2rem));
  max-height: calc(100vh - 2rem);
  overflow: visible;
  margin: auto;
}
.enquiry-modal::backdrop {
  background: rgba(26, 54, 52, 0.72);
  backdrop-filter: blur(4px);
}
.enquiry-modal[open] {
  animation: modal-in 0.4s var(--ease);
}
.enquiry-modal[open]::backdrop {
  animation: modal-fade 0.3s var(--ease);
}
.enquiry-modal .modal-card {
  position: relative;
  max-height: calc(100vh - 2rem);
  overflow: auto;
}
.modal-close {
  position: absolute;
  z-index: 2;
  top: 1rem;
  right: 1rem;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 1px solid var(--line);
  background: #fff;
  color: var(--navy-900);
  display: flex;
  align-items: center;
  justify-content: center;
  transition:
    border-color 0.25s var(--ease),
    color 0.25s var(--ease),
    background 0.25s var(--ease);
}
.modal-close svg {
  width: 16px;
  height: 16px;
  pointer-events: none;
}
.modal-close:hover {
  border-color: var(--gold);
  color: var(--gold-deep);
}
.modal-card h2,
.modal-card .hf-title {
  padding-right: 2.5rem;
}
.float-cta {
  display: none;
  position: fixed;
  right: 0;
  top: 50%;
  z-index: 70;
  writing-mode: vertical-rl;
  transform: translateY(-50%) rotate(180deg);
  background: var(--gold);
  color: var(--navy-950);
  font-size: 0.9rem;
  font-weight: 600;
  letter-spacing: 0.01em;
  white-space: nowrap;
  padding: 1.2rem 0.85rem;
  border-radius: 0 8px 8px 0;
  box-shadow: 6px 0 22px rgba(26, 54, 52, 0.4);
  transition:
    transform 0.25s var(--ease),
    box-shadow 0.25s var(--ease),
    background 0.25s var(--ease),
    color 0.25s var(--ease);
}
.float-cta:active,
.float-cta:focus-visible,
.float-cta:hover {
  background: var(--gold-pale);
  transform: translateY(-50%) rotate(180deg);
  box-shadow: 0 12px 28px -10px rgba(47, 98, 95, 0.55);
}
@media (max-width: 920px) {
  .float-cta {
    display: block;
  }
  .enquiry-modal .hf-row label {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0 0 0 0);
    white-space: nowrap;
    border: 0;
  }
  .enquiry-modal .hf-row {
    margin-bottom: 0.75rem;
  }
  .enquiry-modal .modal-card {
    padding: 1.6rem 1.4rem 1.3rem;
  }
}
.section {
  padding: clamp(4rem, 7vw, 6.5rem) 0;
}
.section-head {
  max-width: 46rem;
  margin-bottom: clamp(2.2rem, 4vw, 3.4rem);
}
.section-head p.lede {
  margin-top: 1rem;
  color: var(--muted);
  font-size: 1.05rem;
}
.section-head.center {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}
.bg-paper {
  background: var(--paper);
}
.on-navy {
  background: linear-gradient(165deg, var(--navy-950), var(--navy-900));
}
.on-navy h2 {
  color: #fff;
}
.on-navy .section-head p.lede {
  color: #b6c5c4;
}
.js .reveal {
  opacity: 0;
  transform: translateY(22px);
  transition:
    opacity 0.7s var(--ease),
    transform 0.7s var(--ease);
}
.js .reveal.in {
  opacity: 1;
  transform: none;
}
@media (prefers-reduced-motion: reduce) {
  .js .reveal {
    opacity: 1;
    transform: none;
    transition: none;
  }
  .btn,
  .card {
    transition: none !important;
  }
  .enquiry-modal[open],
  .enquiry-modal[open]::backdrop {
    animation: none;
  }
  .faq .fq-body {
    animation: none;
  }
  .rv-track,
  html {
    scroll-behavior: auto;
  }
  .rv-text {
    transition: none !important;
  }
  .marquee {
    mask-image: none;
    -webkit-mask-image: none;
  }
}
.rv-score,
.rv-summary {
  display: flex;
  align-items: center;
}
.rv-summary {
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
  margin: -0.6rem 0 1.8rem;
}
.rv-summary .why-link {
  margin-top: 0;
}
.on-navy .prose a:hover,
.on-navy .prose h3,
.on-navy .prose strong,
.rv-summary .why-link:hover {
  color: #fff;
}

.rv-score {
  gap: 0.7rem;
}
.rv-g {
  width: 26px;
  height: 26px;
  flex: 0 0 auto;
  background: #fff;
  border-radius: 50%;
  padding: 5px;
  box-sizing: border-box;
}
.rv-score .rv-g {
  width: 44px;
  height: 44px;
  padding: 9px;
  box-shadow: 0 10px 20px -8px rgba(0, 0, 0, 0.5);
}
.rv-score b {
  font-size: 2.3rem;
  color: #fff;
  letter-spacing: -0.03em;
  line-height: 1;
}
.rv-count {
  font-size: 1rem;
  color: #dce7e7;
  margin-left: 0.2rem;
}
.rv-stars {
  color: var(--gold);
  letter-spacing: 0.1em;
  font-size: 1.2rem;
  line-height: 1;
}
.hero-form form,
.rv-slider {
  position: relative;
}
.rv-track {
  display: flex;
  align-items: flex-start;
  gap: 1.1rem;
  overflow-x: auto;
  scroll-snap-type: x mandatory;
  scroll-behavior: smooth;
  padding: 0.4rem 0.2rem 1.2rem;
  margin: 0-0.2rem;
  scrollbar-width: none;
  -ms-overflow-style: none;
}
.rv-track::-webkit-scrollbar {
  display: none;
}
.rv-card,
.rv-head {
  display: flex;
  position: relative;
}
.rv-card {
  flex: 0 0 calc((100% - 3.3rem) / 4);
  min-width: 0;
  scroll-snap-align: start;
  min-height: 280px;
  background: linear-gradient(
    170deg,
    rgba(255, 255, 255, 0.07),
    rgba(255, 255, 255, 0.025)
  );
  border: 1px solid rgba(220, 231, 231, 0.16);
  border-radius: 16px;
  padding: 1.45rem 1.4rem 1.35rem;
  flex-direction: column;
  color: #e6edec;
  transition:
    transform 0.4s var(--ease),
    box-shadow 0.4s var(--ease),
    border-color 0.4s var(--ease),
    background 0.4s var(--ease);
}
.rv-card::before {
  content: "“";
  position: absolute;
  top: 0.35rem;
  right: 1.1rem;
  font-size: 5.2rem;
  line-height: 1;
  font-weight: 700;
  color: rgba(220, 231, 231, 0.1);
  pointer-events: none;
  transition: color 0.4s var(--ease);
}
.rv-card:hover {
  border-color: rgba(220, 231, 231, 0.5);
  background: linear-gradient(
    170deg,
    rgba(255, 255, 255, 0.1),
    rgba(255, 255, 255, 0.04)
  );
  box-shadow:
    0 30px 60px -28px rgba(0, 0, 0, 0.75),
    0 0 40px -18px rgba(47, 98, 95, 0.45);
}
.rv-card:hover::before {
  color: rgba(220, 231, 231, 0.2);
}
.rv-head {
  align-items: center;
  gap: 0.7rem;
}
.rv-avatar {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  object-fit: cover;
  flex: 0 0 auto;
  background: var(--navy-800);
  box-shadow: 0 0 0 2px rgba(220, 231, 231, 0.4);
}
.rv-who {
  flex: 1;
  min-width: 0;
  line-height: 1.25;
}
.rv-who b {
  display: block;
  font-size: 0.93rem;
  color: #fff;
  line-height: 1.2;
}
.rv-who span {
  font-size: 0.78rem;
  color: #b6c5c4;
}
.rv-rating {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin: 1rem 0 0.75rem;
}
.faq .fq-ic svg,
.rv-verified {
  width: 16px;
  height: 16px;
}
.rv-text {
  font-size: 0.9rem;
  color: #e6edec;
  line-height: 1.62;
  display: -webkit-box;
  -webkit-line-clamp: 5;
  -webkit-box-orient: vertical;
  overflow: hidden;
  transition: max-height 0.6s var(--ease);
}
.rv-card.open .rv-text {
  display: block;
  -webkit-line-clamp: unset;
  overflow: hidden;
}
.rv-more {
  align-self: flex-start;
  margin-top: 0.7rem;
  padding: 0;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--gold-pale);
  cursor: pointer;
  border-bottom: 1px solid rgba(220, 231, 231, 0.35);
  line-height: 1.5;
  transition:
    color 0.2s,
    border-color 0.2s;
}
.rv-more:hover {
  color: #fff;
  border-color: #fff;
}
.rv-nav,
.rv-nav:hover {
  transform: translateY(-50%);
}
.rv-nav {
  position: absolute;
  top: calc(0.4rem + 140px);
  z-index: 2;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: rgba(26, 54, 52, 0.9);
  color: var(--gold-pale);
  border: 1px solid rgba(220, 231, 231, 0.4);
  box-shadow: 0 14px 30px -12px rgba(0, 0, 0, 0.7);
  display: flex;
  align-items: center;
  justify-content: center;
  transition:
    background 0.25s var(--ease),
    color 0.25s var(--ease),
    opacity 0.25s var(--ease),
    transform 0.25s var(--ease),
    border-color 0.25s var(--ease);
}
.rv-nav svg {
  width: 18px;
  height: 18px;
}
.rv-prev {
  left: -22px;
}
.rv-next {
  right: -22px;
}
.rv-nav:hover {
  background: var(--gold);
  color: var(--navy-950);
  border-color: var(--gold);
}
.rv-nav[disabled] {
  opacity: 0.3;
  pointer-events: none;
}
.has-bg {
  position: relative;
  overflow: hidden;
}
.bg-overlay,
.bg-photo {
  position: absolute;
  inset: 0;
}
.bg-photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 35%;
  z-index: 0;
}
.bg-overlay {
  z-index: 1;
  background: linear-gradient(
    90deg,
    rgba(26, 54, 52, 0.95) 0,
    rgba(26, 54, 52, 0.88) 50%,
    rgba(26, 54, 52, 0.8) 100%
  );
}
.has-bg .wrap {
  z-index: 2;
}
.has-bg .wrap,
.step,
.steps {
  position: relative;
}
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  counter-reset: step;
}
.step {
  padding: 0 1.9rem 0 0;
}
.step + .step {
  padding-left: 1.9rem;
  border-left: 1px solid var(--line-navy);
}
.step .s-num {
  font-family: var(--serif);
  font-style: italic;
  font-size: 2.1rem;
  color: var(--gold-pale);
  line-height: 1;
  margin-bottom: 1rem;
  font-weight: 400;
}
.step h3 {
  font-size: 1.18rem;
  color: #fff;
  margin-bottom: 0.7rem;
  line-height: 1.3;
}
.step p {
  font-size: 0.89rem;
  color: #aebdbc;
  line-height: 1.65;
}
.lenders {
  background: #fff;
  overflow: hidden;
}
.marquee-rows {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  margin: 2.6rem 0 2.8rem;
}
.marquee {
  overflow: hidden;
  -webkit-mask-image: linear-gradient(
    90deg,
    transparent,
    #000 8%,
    #000 92%,
    transparent
  );
  mask-image: linear-gradient(
    90deg,
    transparent,
    #000 8%,
    #000 92%,
    transparent
  );
}
.lender-tile {
  flex: 0 0 auto;
  width: 190px;
  height: 84px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 0 1.4rem;
  transition:
    border-color 0.3s var(--ease),
    box-shadow 0.3s var(--ease);
  --c: 0;
  border-color: color-mix(
    in srgb,
    var(--line),
    var(--gold) calc(var(--c) * 45%)
  );
}
.lender-tile img {
  max-height: 48px;
  max-width: 140px;
  width: auto;
  height: auto;
  object-fit: contain;
  filter: grayscale(calc(1 - var(--c)));
  opacity: calc(0.72 + 0.28 * var(--c));
}
.lender-tile:hover {
  border-color: var(--line-gold);
  box-shadow: 0 14px 30px -18px rgba(26, 54, 52, 0.35);
}
.lender-tile:hover img {
  filter: none;
  opacity: 1;
}
@media (prefers-reduced-motion: reduce) {
  .lender-tile {
    --c: 1;
  }
}
.faq-grid {
  display: grid;
  grid-template-columns: minmax(0, 5fr) minmax(0, 7fr);
  gap: clamp(2.5rem, 5vw, 4.5rem);
  align-items: start;
}
.faq-intro {
  position: sticky;
  top: 100px;
}
.faq summary,
.faq-title {
  font-family: var(--serif);
  color: var(--navy-900);
}
.faq-title {
  font-weight: 700;
  letter-spacing: -0.025em;
  font-size: clamp(1.9rem, 3.2vw, 2.5rem);
  line-height: 1.16;
  text-wrap: balance;
}
.faq-sub {
  margin-top: 1rem;
  color: var(--muted);
  font-size: 1.02rem;
  max-width: 26rem;
}
.faq-intro .btn {
  margin-top: 1.6rem;
}
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 0.9rem;
}
.faq {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  transition:
    border-color 0.3s var(--ease),
    box-shadow 0.3s var(--ease),
    transform 0.3s var(--ease);
}
.faq:hover,
.step-list li:hover {
  border-color: var(--line-gold);
  box-shadow: 0 18px 40px -26px rgba(26, 54, 52, 0.35);
}
.faq[open] {
  border-color: var(--line-gold);
}
.faq summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.4rem;
  padding: 1.3rem 1.5rem;
  cursor: pointer;
  list-style: none;
  font-size: 1.05rem;
  font-weight: 600;
  line-height: 1.4;
  letter-spacing: -0.01em;
  transition: color 0.2s;
}
.faq summary::-webkit-details-marker,
.rc-table-wrap summary::-webkit-details-marker {
  display: none;
}
.faq summary h3 {
  font: inherit;
  letter-spacing: inherit;
  color: inherit;
  margin: 0;
}
.faq .fq-ic {
  flex: 0 0 auto;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 1px solid var(--line-gold);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-deep);
  transition:
    transform 0.4s var(--ease),
    background 0.3s var(--ease),
    color 0.3s var(--ease),
    border-color 0.3s var(--ease);
}
.faq[open] .fq-ic {
  transform: rotate(180deg);
  background: var(--gold);
  border-color: var(--gold);
  color: #fff;
}
.faq .fq-body {
  padding: 0 1.5rem 1.4rem;
  color: var(--muted);
  font-size: 0.95rem;
  line-height: 1.72;
  animation: fq-in 0.35s var(--ease);
}
.faq .fq-body p + p {
  margin-top: 0.8rem;
}
.footer {
  background: var(--navy-950);
}
.footer .f-heading {
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: #dce7e7;
  margin-bottom: 1.6rem;
}
.footer li {
  margin-bottom: 0.55rem;
}
.footer a {
  transition: color 0.2s;
}
.footer .f-logo {
  z-index: auto;
}

@media (max-width: 1060px) and (min-width: 921px) {
  .brand {
    gap: 0.6rem;
  }
  .nav-link {
    padding: 0.7rem 0.55rem;
    font-size: 0.88rem;
  }
  .nav > ul {
    gap: 0;
  }
  .header .btn {
    padding: 0.65rem 1rem;
    font-size: 0.84rem;
  }
  .header .wrap {
    gap: 0.9rem;
  }
}
@media (max-width: 1080px) {
  .steps {
    grid-template-columns: 1fr 1fr;
    gap: 2.5rem 0;
  }
  .step:nth-child(3) {
    border-left: none;
    padding-left: 0;
  }
}
@media (max-width: 920px) {
  .hero {
    min-height: 0;
  }
  .faq-grid,
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 2.6rem;
  }
  .faq-grid {
    gap: 2.2rem;
  }
  .faq-intro {
    position: static;
  }
  .rv-card {
    flex-basis: calc((100% - 1.1rem) / 2);
  }
  .header {
    backdrop-filter: none;
  }
  .header-cta {
    margin-left: auto;
  }
  .faq-sub,
  .hero-form,
  .hero-sub,
  .section-head {
    max-width: 100%;
  }
  .header.at-top {
    background: 0 0;
  }
  .nav-toggle {
    display: flex;
  }
  .header .wrap,
  .nav-toggle {
    position: relative;
    z-index: 80;
  }
  .nav {
    position: fixed;
    inset: 0;
    top: 0;
    background: #fff;
    z-index: 75;
    transform: translateX(100%);
    transition: transform 0.35s var(--ease);
    overflow-y: auto;
    padding: 6.5rem 1.6rem 3rem;
    display: block;
  }
  .nav.openm,
  li.open > .mega {
    transform: none;
  }
  .nav > ul {
    flex-direction: column;
    align-items: stretch;
    gap: 0;
  }
  .nav > ul > li {
    border-bottom: 1px solid var(--line);
  }
  .nav-link {
    width: 100%;
    justify-content: space-between;
    padding: 1.05rem 0.2rem;
    font-size: 1.05rem;
  }
  .mega {
    position: static;
    transform: none;
    opacity: 1;
    visibility: hidden;
    pointer-events: auto;
    border: 0;
    box-shadow: none;
    padding: 0 0.2rem;
    display: none;
    min-width: 0;
  }
  li.open > .mega {
    display: block;
    visibility: visible;
  }
  .mega-cols {
    flex-direction: column;
    gap: 1.2rem;
    padding-bottom: 1.2rem;
  }
  .header .header-cta .btn {
    display: none;
  }
  .nav-cta-mobile {
    display: block;
    border-bottom: none !important;
  }
}
@media (max-width: 640px) {
  .brand {
    gap: 0.6rem;
  }
  .nav-toggle {
    padding: 0.6rem 0 0.6rem 0.6rem;
  }
  .steps {
    grid-template-columns: 1fr;
    gap: 2.2rem;
  }
  .step + .step {
    border-left: none;
    padding-left: 0;
  }
  .rv-card {
    flex-basis: 88%;
  }
  .rv-slider {
    padding-bottom: 3.4rem;
  }
  .rv-nav {
    top: auto;
    bottom: 0;
    transform: none;
  }
  .rv-nav:hover {
    transform: scale(1.05);
  }
  .rv-prev {
    left: calc(50% - 50px);
  }
  .rv-next {
    right: calc(50% - 50px);
  }
  .lender-tile {
    width: 150px;
    height: 70px;
  }
  .lender-tile img {
    max-height: 38px;
    max-width: 110px;
  }
  .hero-ctas .btn {
    width: 100%;
  }
  .hf-2col {
    grid-template-columns: 1fr;
  }
}
.hero.page-hero {
  min-height: 0;
}
.hero.page-hero.on-navy {
  background:
    linear-gradient(
      to top,
      rgba(8, 59, 74, 0.94) 0%,
      rgba(11, 74, 93, 0.4) 32%,
      rgba(11, 74, 93, 0) 58%
    ),
    radial-gradient(
      120% 90%at 85% 15%,
      rgba(20, 100, 122, 0.55) 0%,
      rgba(11, 74, 93, 0) 60%
    ),
    linear-gradient(
      100deg,
      rgba(8, 59, 74, 0.98) 0%,
      rgba(11, 74, 93, 0.92) 38%,
      rgba(11, 74, 93, 0.66) 68%,
      rgba(14, 86, 105, 0.74) 100%
    ),
    var(--hero-img, url("../img/hero-reverse-mortgage-advice-nz.jpg"))
      center/cover no-repeat;
  background-color: #0b4a5d;
}
.hero.page-hero.hero-home-loans {
  --hero-img: url("../img/hero-reverse-mortgage-advice-nz.jpg");
}
.hero.page-hero .wrap {
  padding-top: clamp(5.5rem, 9vw, 7rem);
}
.hero.page-hero h1 {
  font-size: clamp(2.4rem, 4.8vw, 3.7rem);
}
.hero-tag {
  margin-top: 1rem;
  font-family: var(--serif);
  font-weight: 600;
  font-size: clamp(1.15rem, 1.9vw, 1.45rem);
  line-height: 1.35;
  color: var(--gold-pale);
  letter-spacing: -0.015em;
  max-width: 34rem;
  text-wrap: balance;
}
.btn-tel {
  gap: 0.5rem;
}
.btn-tel svg,
.rc-link svg {
  width: 16px;
  height: 16px;
}
.copy-grid {
  display: grid;
  grid-template-columns: minmax(0, 5fr) minmax(0, 7fr);
  gap: clamp(2.5rem, 5vw, 5rem);
  align-items: start;
}
.copy-head {
  position: sticky;
  top: 100px;
}
.copy-head h2 {
  text-wrap: balance;
}
.copy-head .lede {
  margin-top: 1rem;
  color: var(--muted);
  font-size: 1.02rem;
  max-width: 26rem;
}
.on-navy .copy-head .lede {
  color: #b6c5c4;
}
.copy-head .btn {
  margin-top: 1.6rem;
}
.prose {
  font-size: 1rem;
  line-height: 1.75;
  color: var(--ink);
}
.on-navy .prose {
  color: #cfdbda;
}
.prose .callout + p,
.prose .example + p,
.prose p + .callout,
.prose p + .example,
.prose p + p,
.prose p + ul,
.prose ul + p {
  margin-top: 1.1rem;
}
.prose a {
  color: var(--gold-deep);
  text-decoration: underline;
  text-decoration-color: rgba(36, 75, 72, 0.4);
  transition:
    color 0.2s,
    text-decoration-color 0.2s;
}
.prose a:hover {
  color: var(--navy-900);
  text-decoration-color: currentColor;
}
.on-navy .prose a {
  color: var(--gold-pale);
  text-decoration-color: rgba(220, 231, 231, 0.4);
}
.legal-block .check-list li b,
.prose strong {
  color: var(--navy-900);
  font-weight: 600;
}
.prose h3:first-child,
.prose > :first-child {
  margin-top: 0;
}
.check-list {
  display: grid;
  gap: 0.65rem;
  margin-top: 1.1rem;
}
.check-list li {
  position: relative;
  padding-left: 1.9rem;
  line-height: 1.6;
}
.check-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.28em;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--gold)
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='none' stroke='%23081426' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 10.5l3.2 3.2L15 7'/%3E%3C/svg%3E")
    center/13px no-repeat;
}
.callout {
  padding: 1.15rem 1.4rem;
  border-left: 3px solid var(--gold);
  border-radius: 0 10px 10px 0;
  background: var(--paper);
  font-weight: 600;
  color: var(--navy-900);
  line-height: 1.55;
}
.on-navy .callout {
  background: rgba(255, 255, 255, 0.05);
  color: #fff;
}
.example {
  padding: 1.4rem 1.5rem;
  border-radius: 14px;
  border: 1px solid var(--line-gold);
  background: #fff;
  box-shadow: var(--shadow);
}
.on-navy .example {
  background: rgba(255, 255, 255, 0.05);
  box-shadow: none;
}
.opt-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.1rem;
}
.opt-card {
  position: relative;
  padding: 1.6rem 1.5rem 1.5rem;
  border-radius: 14px;
  background: linear-gradient(
    170deg,
    rgba(255, 255, 255, 0.07),
    rgba(255, 255, 255, 0.025)
  );
  border: 1px solid rgba(220, 231, 231, 0.16);
  transition:
    transform 0.4s var(--ease),
    border-color 0.4s var(--ease),
    box-shadow 0.4s var(--ease);
}
.opt-card:hover {
  border-color: rgba(220, 231, 231, 0.5);
  box-shadow: 0 30px 60px -28px rgba(0, 0, 0, 0.75);
}
.opt-card .opt-ic {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(47, 98, 95, 0.14);
  color: var(--gold-pale);
  margin-bottom: 1.1rem;
}
.opt-card .opt-ic svg {
  width: 22px;
  height: 22px;
}
.opt-card h3 {
  font-size: 1.08rem;
  color: #fff;
  margin-bottom: 0.5rem;
}
.opt-card p {
  font-size: 0.92rem;
  color: #b6c5c4;
  line-height: 1.62;
}
.plan-links {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.9rem;
  margin-top: 2rem;
}
.plan-links a,
.step-list li {
  background: #fff;
  border: 1px solid var(--line);
}
.plan-links a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.8rem;
  padding: 1rem 1.15rem;
  border-radius: 12px;
  font-weight: 600;
  font-size: 0.93rem;
  color: var(--navy-900);
  transition:
    border-color 0.3s var(--ease),
    transform 0.3s var(--ease),
    box-shadow 0.3s var(--ease),
    color 0.2s;
}
.plan-links a:hover {
  border-color: var(--gold);
  color: var(--gold-deep);
  box-shadow: 0 18px 40px -26px rgba(26, 54, 52, 0.35);
}
.plan-links a svg {
  width: 16px;
  height: 16px;
  flex: 0 0 auto;
  color: var(--gold-deep);
  transition: transform 0.25s var(--ease);
}
.step-list {
  display: grid;
  gap: 1rem;
  counter-reset: s;
}
.step-list li {
  counter-increment: s;
  display: grid;
  grid-template-columns: 3.2rem 1fr;
  gap: 1.2rem;
  align-items: start;
  padding: 1.35rem 1.5rem;
  border-radius: 14px;
  transition:
    border-color 0.3s var(--ease),
    box-shadow 0.3s var(--ease);
}
.step-list li::before {
  content: counter(s, decimal-leading-zero);
  font-family: var(--serif);
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--gold-deep);
  letter-spacing: -0.03em;
  line-height: 1.1;
  font-style: italic;
}
.step-list h3 {
  font-size: 1.08rem;
  color: var(--navy-900);
  margin-bottom: 0.35rem;
}
.step-list p {
  font-size: 0.95rem;
  color: var(--muted);
  line-height: 1.65;
}
.rv-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.1rem;
  max-width: 900px;
  margin: 0 auto;
}
.rv-grid .rv-card {
  flex: none;
  min-height: 0;
}
.rv-grid .rv-text {
  display: block;
  -webkit-line-clamp: unset;
  overflow: visible;
}
.final-cta {
  text-align: center;
}
.final-cta .section-head {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
  margin-bottom: 2rem;
}
.final-cta .hero-ctas {
  justify-content: center;
  margin-top: 0;
}
.mega a.mi.is-current {
  color: var(--gold-deep);
  background: var(--paper);
}
@media (max-width: 1080px) {
  .opt-grid,
  .plan-links {
    grid-template-columns: 1fr 1fr;
  }
}
@media (max-width: 920px) {
  .copy-grid {
    grid-template-columns: 1fr;
    gap: 1.8rem;
  }
  .copy-head {
    position: static;
  }
  .copy-head .lede {
    max-width: 100%;
  }
  .rv-grid {
    grid-template-columns: 1fr;
    max-width: 560px;
  }
}
@media (max-width: 640px) {
  .opt-grid,
  .plan-links {
    grid-template-columns: 1fr;
  }
  .step-list li {
    grid-template-columns: 2.4rem 1fr;
    gap: 0.9rem;
    padding: 1.15rem 1.2rem;
  }
}
.opt-grid:not(.two):not(.four) .opt-card:last-child:nth-child(3n + 1) {
  grid-column: 1/-1;
  display: grid;
  grid-template-columns: auto 14rem 1fr;
  gap: 1.4rem;
  align-items: center;
}
.opt-grid:not(.two):not(.four) .opt-card:last-child:nth-child(3n + 1) .opt-ic,
.opt-grid:not(.two):not(.four) .opt-card:last-child:nth-child(3n + 1) .opt-num,
.opt-grid:not(.two):not(.four) .opt-card:last-child:nth-child(3n + 1) h3 {
  margin: 0;
}
@media (max-width: 1080px) {
  .opt-grid:not(.two):not(.four) .opt-card:last-child:nth-child(3n + 1) {
    grid-column: auto;
    display: block;
  }
  .opt-grid:not(.two):not(.four) .opt-card:last-child:nth-child(3n + 1) .opt-ic,
  .opt-grid:not(.two):not(.four)
    .opt-card:last-child:nth-child(3n + 1)
    .opt-num {
    margin-bottom: 1.1rem;
  }
}
.faq .fq-body a {
  color: var(--gold-deep);
  text-decoration: underline;
  text-decoration-color: rgba(36, 75, 72, 0.4);
  text-underline-offset: 3px;
}
.faq .fq-body a:hover {
  color: var(--navy-900);
}
.prose a.btn,
.prose a.btn:hover {
  text-decoration: none;
}
.prose a.btn-gold,
.prose a.btn-gold:hover {
  color: #fff;
}
.prose .example {
  margin-top: 1.3rem;
}
section:not(.on-navy) .opt-card {
  background: #fff;
  border-color: var(--line);
}
section:not(.on-navy) .opt-card:hover {
  border-color: var(--line-gold);
  box-shadow: 0 26px 50px -30px rgba(26, 54, 52, 0.35);
}
section:not(.on-navy) .opt-card a:hover,
section:not(.on-navy) .opt-card h3 {
  color: var(--navy-900);
}
section:not(.on-navy) .opt-card p {
  color: var(--muted);
}
section:not(.on-navy) .opt-card .opt-ic {
  background: rgba(47, 98, 95, 0.12);
  color: var(--gold-deep);
}
.opt-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 42px;
  height: 42px;
  padding: 0 0.6rem;
  border-radius: 10px;
  background: rgba(47, 98, 95, 0.14);
  color: var(--gold-pale);
  font-family: var(--serif);
  font-weight: 700;
  font-style: italic;
  font-size: 1.05rem;
  letter-spacing: -0.02em;
  margin-bottom: 1.1rem;
}
section:not(.on-navy) .opt-num {
  color: var(--gold-deep);
}
.opt-grid.two {
  grid-template-columns: 1fr 1fr;
}
.opt-grid.four {
  grid-template-columns: repeat(4, 1fr);
}
.opt-grid .opt-card.wide {
  grid-column: 1/-1;
}
.prose h3 {
  font-size: 1.15rem;
  color: var(--navy-900);
  letter-spacing: -0.015em;
}
.prose h3 + p {
  margin-top: 0;
}
.final-cta .fine {
  margin: 1.4rem auto 0;
  max-width: 44rem;
  font-size: 0.78rem;
  line-height: 1.6;
  color: #7c8aa5;
}
@media (max-width: 1080px) {
  .opt-grid.four {
    grid-template-columns: 1fr 1fr;
  }
}
@media (max-width: 640px) {
  .opt-grid.four,
  .opt-grid.two {
    grid-template-columns: 1fr;
  }
}
.opt-card a {
  color: var(--gold-pale);
  text-decoration: underline;
  text-decoration-color: rgba(220, 231, 231, 0.4);
  text-underline-offset: 3px;
}
.opt-card a:hover {
  color: #fff;
}
section:not(.on-navy) .opt-card a {
  color: var(--gold-deep);
  text-decoration-color: rgba(36, 75, 72, 0.4);
}
.suburbs {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-top: 1.2rem;
}
.suburbs span {
  padding: 0.4rem 0.8rem;
  border-radius: 999px;
  border: 1px solid var(--line);
  background: #fff;
  font-size: 0.86rem;
  color: var(--navy-900);
}
.on-navy .suburbs span {
  border-color: var(--line-navy);
  background: rgba(255, 255, 255, 0.05);
  color: #e6edec;
}
.areas-more {
  margin-top: 0;
}
.areas-more .plan-links {
  grid-template-columns: repeat(3, 1fr);
  margin-top: 1rem;
}
@media (max-width: 1080px) {
  .areas-more .plan-links {
    grid-template-columns: 1fr 1fr;
  }
}
@media (max-width: 640px) {
  .areas-more .plan-links {
    grid-template-columns: 1fr;
  }
}
.cta-section {
  padding: clamp(3rem, 5vw, 4.4rem) 0;
}
.cta-wide {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem 3rem;
  flex-wrap: wrap;
}
.cta-wide-text {
  flex: 1 1 32rem;
  min-width: 0;
}
.cta-wide h2 {
  font-size: clamp(1.55rem, 2.6vw, 2.15rem);
  line-height: 1.2;
  color: #fff;
  letter-spacing: -0.025em;
  text-wrap: balance;
}
.cta-wide p {
  margin-top: 0.75rem;
  font-size: 1.02rem;
  line-height: 1.7;
  color: #b6c5c4;
  max-width: 44rem;
}
.cta-wide .cta-actions {
  display: flex;
  gap: 0.8rem;
  flex-wrap: wrap;
  flex: 0 0 auto;
}
@media (max-width: 920px) {
  .cta-wide {
    flex-direction: column;
    align-items: flex-start;
    gap: 1.6rem;
  }
}
@media (max-width: 640px) {
  .cta-wide .cta-actions,
  .cta-wide .cta-actions .btn {
    width: 100%;
  }
}
body.no-hero .header,
body.no-hero .header.at-top {
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(10px);
  border-bottom-color: var(--line);
}
body.no-hero .header.at-top .nav-link {
  color: var(--ink);
}
.nav-link {
  min-height: 44px;
}
body.no-hero .header.at-top .nav-toggle span {
  background: var(--navy-900);
}
.thanks {
  max-width: 44rem;
  margin: 0 auto;
  text-align: center;
}
.thanks h1 {
  font-size: clamp(2rem, 4.4vw, 3rem);
  line-height: 1.1;
  color: var(--navy-900);
  letter-spacing: -0.03em;
  margin-top: 0.7rem;
  text-wrap: balance;
}
.thanks .lede {
  margin: 1.1rem auto 0;
  max-width: 34rem;
  color: var(--muted);
  font-size: 1.05rem;
  line-height: 1.7;
}
.thanks .cta-actions {
  display: flex;
  gap: 0.8rem;
  flex-wrap: wrap;
  justify-content: center;
  margin-top: 0.9rem;
}
@media (max-width: 640px) {
  .thanks .cta-actions,
  .thanks .cta-actions .btn {
    width: 100%;
  }
}
.opt-card p + p,
.step-list p + p {
  margin-top: 0.65rem;
}
.hero.page-hero:is(.hero-home-loans) {
  min-height: 100vh;
}
@supports (height: 100svh) {
  .hero.page-hero:is(.hero-home-loans) {
    min-height: 100svh;
  }
}
.hero.page-hero:is(.hero-home-loans) .wrap {
  padding-top: clamp(3.5rem, 5vw, 4.5rem);
}
@media (max-width: 920px) {
  .hero.page-hero:is(.hero-home-loans) {
    min-height: 0;
  }
  .hero.page-hero:is(.hero-home-loans) .wrap {
    padding-top: clamp(5.5rem, 9vw, 7rem);
  }
}
.example h3 {
  font-family: var(--serif);
  font-weight: 700;
  font-size: 1.02rem;
  color: var(--navy-900);
  letter-spacing: -0.015em;
  margin: 0 0 0.9rem;
}
.example > p {
  margin-top: 1rem;
  font-size: 0.92rem;
  line-height: 1.65;
  color: var(--muted);
}
.grid-note {
  margin: clamp(1.6rem, 3vw, 2.2rem) auto 0;
  text-align: center;
  color: var(--muted);
  font-size: 1.02rem;
  line-height: 1.7;
}
.on-navy .grid-note {
  color: #b6c5c4;
}
.hero.page-hero.hero-legal {
  --hero-img: url("../img/hero-reverse-mortgage-advice-nz.jpg");
  min-height: 0;
}
.hero.page-hero.hero-legal .wrap {
  padding-top: clamp(6.5rem, 11vw, 8.5rem);
  padding-bottom: clamp(3rem, 6vw, 4.5rem);
}
.grid-note,
.legal-hero {
  max-width: 44rem;
}
.legal-hero h1 {
  font-size: clamp(2.4rem, 4.8vw, 3.7rem);
}
.legal-hero .hero-sub {
  max-width: 38rem;
}
.legal-meta {
  margin-top: 1.6rem;
  display: inline-flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.2rem 0.6rem;
  padding: 0.45rem 0.9rem;
  border: 1px solid rgba(220, 231, 231, 0.35);
  border-radius: 14px;
  font-size: 0.82rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--gold-pale);
}
.legal-section,
.rc-table tbody tr:hover td {
  background: var(--paper);
}
.legal-grid {
  display: grid;
  grid-template-columns: minmax(0, 4fr) minmax(0, 8fr);
  gap: clamp(2.5rem, 5vw, 5rem);
  align-items: start;
}
.legal-toc {
  position: sticky;
  top: 100px;
}
.legal-toc ol {
  list-style: none;
  margin: 1rem 0 0;
  padding: 0;
  display: grid;
  gap: 0.15rem;
  border-left: 1px solid var(--line);
}
.legal-block h2,
.legal-toc li a {
  display: flex;
  align-items: baseline;
}
.legal-toc li a {
  gap: 0.8rem;
  padding: 0.45rem 0.9rem;
  margin-left: -1px;
  border-left: 2px solid transparent;
  color: var(--muted);
  text-decoration: none;
  font-size: 0.95rem;
  line-height: 1.4;
  transition:
    color 0.2s,
    border-color 0.2s;
}
.legal-toc li a:hover {
  color: var(--navy-900);
  border-left-color: var(--gold);
}
.legal-toc .toc-n {
  font-family: var(--serif);
  font-size: 0.85rem;
  color: var(--gold-deep);
  min-width: 1.4rem;
}
.legal-toc-cta {
  margin-top: 1.8rem;
  padding: 1.3rem 1.4rem;
  border-radius: 14px;
  background: var(--navy-900);
  color: #fff;
}
.legal-toc-cta p {
  margin: 0 0 0.9rem;
  font-weight: 600;
  font-size: 0.98rem;
  color: #fff;
}
.legal-toc-cta .btn {
  width: 100%;
  justify-content: center;
}
.legal-prose {
  display: grid;
  gap: 1.4rem;
}
.legal-block {
  padding: clamp(1.6rem, 3vw, 2.3rem) clamp(1.4rem, 3vw, 2.3rem);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
  scroll-margin-top: 110px;
}
.legal-block h2 {
  gap: 0.9rem;
  font-size: clamp(1.3rem, 2.2vw, 1.65rem);
  margin: 0 0 0.9rem;
  color: var(--navy-900);
  letter-spacing: -0.015em;
}
.legal-block .legal-n {
  font-family: var(--serif);
  font-size: 0.95rem;
  color: var(--gold-deep);
  letter-spacing: 0.02em;
}
.legal-block p + p,
.legal-block p + ul,
.legal-block ul + p {
  margin-top: 1rem;
}
.legal-block .check-list {
  margin-top: 0.9rem;
}
@media (max-width: 920px) {
  .legal-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }
  .legal-toc {
    position: static;
  }
  .legal-toc ol {
    grid-template-columns: 1fr;
  }
  .legal-toc-cta {
    display: none;
  }
}
@media (max-width: 600px) {
  .legal-meta .legal-sep {
    display: none;
  }
  .legal-meta {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.15rem;
  }
}
.hero .hero-checks {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.45rem 1.6rem;
  margin-top: 1rem;
  max-width: 34rem;
  color: #e0e7e6;
  font-size: 0.98rem;
}
.hero .hero-checks li {
  line-height: 1.45;
}
.hero .hero-checks + .hero-sub {
  margin-top: 1.1rem;
}
@media (max-width: 640px) {
  .hero .hero-checks {
    gap: 0.45rem 1rem;
    font-size: 0.94rem;
  }
}
.hf-hp {
  position: absolute !important;
  left: -10000px !important;
  width: 1px;
  height: 1px;
  overflow: hidden;
}
.hf-error {
  margin-top: 0.8rem;
  padding: 0.7rem 0.9rem;
  border-radius: 10px;
  background: #fdf1ec;
  border: 1px solid #f1c7b5;
  color: #8a2e12;
  font-size: 0.88rem;
  line-height: 1.5;
}
.hf-error a {
  color: inherit;
  font-weight: 600;
}
.enquiry-form button[disabled] {
  opacity: 0.75;
  cursor: progress;
}
.hero.page-hero.hero-calc {
  --hero-img: url("../img/hero-reverse-mortgage-advice-nz.jpg");
}
.hero.page-hero.hero-calc .wrap {
  padding-top: clamp(6rem, 9vw, 7.5rem);
  padding-bottom: clamp(3.5rem, 6vw, 5rem);
}
.rc-hero-grid {
  grid-template-columns: minmax(0, 6fr) minmax(0, 6fr);
  align-items: start;
}
.rc-hero-copy {
  padding-top: 1.2rem;
}
.rc-hero-points {
  grid-template-columns: 1fr 1fr;
}
.rc-hero-copy .hero-ctas {
  margin-top: 1.8rem;
}
.rc-card {
  background: #fff;
  border-radius: 10px;
  box-shadow: 0 40px 80px -40px rgba(0, 0, 0, 0.6);
  overflow: hidden;
  color: var(--ink);
  animation: rcIn 0.6s var(--ease) both;
}
.rc-out {
  background: linear-gradient(160deg, var(--navy-850), var(--navy-950));
  padding: 1.5rem 1.7rem 1.4rem;
  border-bottom: 2px solid var(--gold);
  color: #fff;
}
.rc-out-label {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold-pale);
}
.rc-big,
.rc-out-sub b {
  font-variant-numeric: tabular-nums;
}
.rc-big {
  font-size: clamp(2.4rem, 5vw, 3.3rem);
  font-weight: 700;
  letter-spacing: -0.035em;
  line-height: 1.1;
  margin-top: 0.35rem;
}
.rc-out-sub {
  margin-top: 0.55rem;
  font-size: 0.9rem;
  color: #b6c5c4;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.25rem 0.5rem;
}
.rc-out-sub b {
  color: #fff;
  font-weight: 600;
}
.rc-dot {
  width: 4px;
  height: 4px;
  border-radius: 50%;
  background: var(--gold);
  display: inline-block;
  margin: 0 0.3rem;
}
.rc-fields {
  padding: 1.4rem 1.7rem 0.6rem;
  display: grid;
  gap: 1.25rem;
}
.rc-field {
  border: 0;
  margin: 0;
  padding: 0;
  min-width: 0;
}
.rc-field-top,
.rc-input {
  display: flex;
  align-items: center;
}
.rc-field-top {
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 0.7rem;
}
.rc-field label,
.rc-field legend,
.rc-sin label {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--navy-900);
}
.rc-field legend {
  margin-bottom: 0.6rem;
  padding: 0;
}
.rc-input {
  gap: 0.35rem;
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 0.45rem 0.75rem;
  background: var(--paper);
  transition:
    border-color 0.2s,
    box-shadow 0.2s;
}
.rc-input:focus-within {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(47, 98, 95, 0.18);
  background: #fff;
}
.rc-input span {
  font-size: 0.88rem;
  color: var(--muted);
  white-space: nowrap;
}
.rc-input input {
  border: 0;
  background: 0 0;
  outline: 0;
  font: inherit;
  font-weight: 600;
  font-size: 1.02rem;
  color: var(--navy-900);
  width: 7.5rem;
  text-align: right;
  font-variant-numeric: tabular-nums;
  padding: 0;
}
.rc-input-pct input {
  width: 3.6rem;
}
.rc-range {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 999px;
  background: linear-gradient(
    to right,
    var(--gold) 0,
    var(--gold) var(--fill, 50%),
    var(--line) var(--fill, 50%)
  );
  outline: 0;
  cursor: pointer;
  margin: 0;
}
.rc-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #fff;
  border: 2px solid var(--gold);
  box-shadow: 0 3px 10px rgba(26, 54, 52, 0.25);
  transition: transform 0.15s;
}
.rc-range::-moz-range-thumb {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: #fff;
  border: 2px solid var(--gold);
  box-shadow: 0 3px 10px rgba(26, 54, 52, 0.25);
}
.rc-range:active::-webkit-slider-thumb {
  transform: scale(1.12);
}
.rc-seg {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 4px;
  padding: 4px;
  border-radius: 10px;
  background: var(--paper);
  border: 1px solid var(--line);
}
.rc-seg input,
.rc-seg label {
  position: relative;
  cursor: pointer;
}
.rc-seg input {
  position: absolute;
  opacity: 0;
  inset: 0;
}
.rc-seg span {
  display: block;
  text-align: center;
  padding: 0.6rem 0.4rem;
  border-radius: 6px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--muted);
  transition:
    background 0.2s,
    color 0.2s,
    box-shadow 0.2s;
}
.rc-seg input:checked + span {
  background: var(--navy-900);
  color: #fff;
  box-shadow: 0 6px 14px -8px rgba(26, 54, 52, 0.6);
}
.rc-card-foot {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.9rem 1.7rem 1.3rem;
}
.rc-link {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: 0 0;
  border: 0;
  padding: 0;
  font: inherit;
  font-size: 0.84rem;
  font-weight: 600;
  color: var(--gold-deep);
  cursor: pointer;
}
.rc-link:hover {
  color: var(--navy-900);
}
.rc-stats {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1rem;
}
.rc-split,
.rc-stat {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 1.3rem 1.3rem 1.2rem;
}
.rc-stat span {
  font-size: 0.78rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-deep);
}
.rc-split-head b,
.rc-stat b {
  color: var(--navy-900);
  font-variant-numeric: tabular-nums;
}
.rc-stat b,
.rc-stat span {
  display: block;
  font-weight: 700;
}
.rc-stat b {
  margin-top: 0.45rem;
  font-size: clamp(1.45rem, 2.3vw, 1.85rem);
  letter-spacing: -0.025em;
}
.rc-stat small {
  display: block;
  margin-top: 0.35rem;
  font-size: 0.84rem;
  color: var(--muted);
  line-height: 1.45;
}
.rc-split {
  margin-top: 1.2rem;
  padding: 1.2rem 1.3rem 1.3rem;
}
.rc-split-head {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 0.5rem 1.5rem;
  font-size: 0.9rem;
  color: var(--muted);
}
.rc-split-head b {
  font-weight: 600;
  margin-left: 0.3rem;
}
.rc-split-head .sw {
  display: inline-block;
  width: 10px;
  height: 10px;
  border-radius: 3px;
  margin-right: 0.45rem;
  vertical-align: -1px;
}
.rc-split-bar {
  display: flex;
  gap: 2px;
  height: 14px;
  margin-top: 0.8rem;
  border-radius: 7px;
  overflow: hidden;
}
.rc-split-bar .seg {
  flex: 1 1 50%;
  transition: flex-basis 0.45s var(--ease);
}
.rc-scen {
  display: grid;
  grid-template-columns: minmax(0, 4fr) minmax(0, 8fr);
  gap: 1.6rem;
  align-items: start;
}
.rc-tabs {
  display: grid;
  gap: 0.45rem;
  position: sticky;
  top: 100px;
}
.rc-tabs [role="tab"] {
  text-align: left;
  font: inherit;
  font-size: 0.96rem;
  font-weight: 600;
  color: var(--navy-900);
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 0.85rem 1rem 0.85rem 1.1rem;
  cursor: pointer;
  transition:
    background 0.2s,
    border-color 0.2s,
    transform 0.2s,
    box-shadow 0.2s;
  position: relative;
}
.rc-tabs [role="tab"] small {
  display: block;
  font-size: 0.8rem;
  font-weight: 500;
  color: var(--muted);
  margin-top: 0.15rem;
}
.rc-tabs [role="tab"]:hover {
  border-color: var(--line-gold);
  transform: translateX(2px);
}
.rc-tabs [role="tab"][aria-selected="true"] {
  background: var(--navy-900);
  border-color: var(--navy-900);
  color: #fff;
  box-shadow: 0 14px 30px -18px rgba(26, 54, 52, 0.7);
}
.rc-panel-wrap {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 1.6rem;
  box-shadow: 0 30px 60px -45px rgba(26, 54, 52, 0.45);
}
.rc-panels h3 {
  font-size: 1.2rem;
  color: var(--navy-900);
  letter-spacing: -0.015em;
}
.rc-panels p,
.rc-tile small {
  margin-top: 0.35rem;
  font-size: 0.94rem;
  color: var(--muted);
}
.rc-sin {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.6rem 1rem;
  margin-top: 1rem;
}
.rc-sin em {
  font-style: normal;
  font-size: 0.88rem;
  color: var(--muted);
}
.rc-sin-grid,
.rc-tiles {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.2rem 1rem;
}
.rc-sin-grid .rc-sin {
  flex-direction: column;
  align-items: flex-start;
  gap: 0.45rem;
}
.rc-sin-grid .rc-input input {
  width: 100%;
  text-align: left;
}
.rc-tiles {
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 0.7rem;
  margin-top: 1.3rem;
}
.rc-tile {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 0.95rem 1rem;
}
.rc-table th,
.rc-tile span {
  font-weight: 600;
  color: var(--muted);
}
.rc-tile span {
  display: block;
  font-size: 0.76rem;
  line-height: 1.35;
}
.rc-msg,
.rc-tile b {
  color: var(--navy-900);
}
.rc-tile b {
  display: block;
  margin-top: 0.3rem;
  font-size: 1.22rem;
  font-weight: 700;
  letter-spacing: -0.02em;
}
.rc-tile small {
  display: block;
  margin-top: 0.2rem;
  font-size: 0.78rem;
}
.rc-tile.is-good {
  background: #fff;
  border-color: var(--gold);
  box-shadow: inset 0 0 0 1px var(--gold);
}
.rc-tile.is-bad b {
  color: var(--navy-700);
}
.rc-msg {
  grid-column: 1/-1;
  margin: 0;
  padding: 0.9rem 1rem;
  border-radius: 10px;
  background: var(--paper);
  border: 1px dashed var(--line-gold);
  font-size: 0.94rem;
}
.rc-note {
  margin-top: 0.9rem;
  font-size: 0.88rem;
  line-height: 1.6;
  color: var(--muted);
  padding-left: 0.9rem;
  border-left: 3px solid var(--gold);
}
.rc-chart-card {
  position: relative;
  margin-top: 1.4rem;
  padding-top: 1.2rem;
  border-top: 1px solid var(--line);
}
.rc-chart-head,
.rc-table-wrap summary {
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.rc-chart-head {
  flex-wrap: wrap;
  gap: 0.5rem 1rem;
  margin-bottom: 0.6rem;
}
.rc-chart-title {
  font-weight: 700;
  color: var(--navy-900);
  font-size: 0.98rem;
}
.rc-legend,
.rc-table caption {
  font-size: 0.84rem;
  color: var(--muted);
}
.rc-legend {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem 1rem;
}
.rc-legend i,
.rc-tip-row i {
  height: 3px;
  border-radius: 2px;
}
.rc-legend i {
  display: inline-block;
  width: 14px;
  margin-right: 0.45rem;
  vertical-align: middle;
}
.rc-chart {
  width: 100%;
  min-height: 240px;
  touch-action: pan-y;
}
.rc-chart svg {
  display: block;
  width: 100%;
  height: auto;
  overflow: visible;
}
.rc-grid {
  stroke: var(--line);
  stroke-width: 1;
}
.rc-base {
  stroke: #c9c2ae;
  stroke-width: 1;
}
.rc-axis {
  font-size: 11.5px;
  fill: var(--muted);
  font-family: var(--sans);
  font-variant-numeric: tabular-nums;
}
.rc-cross {
  stroke: var(--navy-900);
  stroke-width: 1;
  stroke-dasharray: 3 3;
}
.rc-line {
  transition: d 0.4s var(--ease);
}
.rc-tip {
  position: absolute;
  pointer-events: none;
  background: var(--navy-950);
  color: #fff;
  border-radius: 10px;
  padding: 0.6rem 0.75rem;
  font-size: 0.82rem;
  min-width: 190px;
  box-shadow: 0 14px 30px -12px rgba(0, 0, 0, 0.5);
  z-index: 3;
}
.rc-tip-h {
  font-weight: 700;
  color: var(--gold-pale);
  margin-bottom: 0.3rem;
}
.rc-tip-row {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin-top: 0.15rem;
}
.rc-tip-row i {
  width: 10px;
  flex: 0 0 auto;
}
.rc-tip-row span {
  flex: 1;
  color: #c8d5d4;
}
.rc-tile b,
.rc-tip-row b {
  font-variant-numeric: tabular-nums;
}
.rc-table-wrap {
  margin-top: 1.6rem;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: #fff;
}
.rc-table-wrap summary {
  list-style: none;
  cursor: pointer;
  padding: 1.05rem 1.3rem;
  font-weight: 600;
  color: var(--navy-900);
}
.rc-table-wrap summary .fq-ic {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1px solid var(--line-gold);
  color: var(--gold-deep);
  transition: transform 0.25s var(--ease);
}
.rc-table-wrap summary .fq-ic svg {
  width: 15px;
  height: 15px;
}
.rc-table-wrap[open] summary .fq-ic {
  transform: rotate(180deg);
}
.rc-table-scroll {
  overflow-x: auto;
  padding: 0 1.3rem 1.3rem;
}
.rc-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.88rem;
  font-variant-numeric: tabular-nums;
  min-width: 640px;
}
.rc-table caption {
  text-align: left;
  padding-bottom: 0.6rem;
}
.rc-table th {
  text-align: right;
  padding: 0.55rem 0.6rem;
  border-bottom: 1px solid var(--line);
  white-space: nowrap;
}
.rc-table td {
  text-align: right;
  padding: 0.5rem 0.6rem;
  border-bottom: 1px solid #f0ece2;
  color: var(--ink);
}
.rc-table td:first-child,
.rc-table th:first-child {
  text-align: left;
}
@media (max-width: 1080px) {
  .rc-stats,
  .rc-tiles {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}
@media (max-width: 920px) {
  .rc-hero-grid {
    grid-template-columns: 1fr;
  }
  .rc-hero-copy {
    padding-top: 0;
  }
  .rc-scen {
    grid-template-columns: 1fr;
  }
  .rc-tabs {
    position: static;
    display: flex;
    overflow-x: auto;
    scroll-snap-type: x mandatory;
    gap: 0.5rem;
    padding-bottom: 0.3rem;
    margin: 0-24px;
    padding-left: 24px;
    padding-right: 24px;
    scrollbar-width: none;
  }
  .rc-tabs::-webkit-scrollbar {
    display: none;
  }
  .rc-tabs [role="tab"] {
    flex: 0 0 auto;
    scroll-snap-align: start;
    max-width: 16rem;
  }
  .rc-tabs [role="tab"]:hover {
    transform: none;
  }
  .rc-sin-grid {
    grid-template-columns: 1fr;
  }
}
@media (max-width: 560px) {
  .hero .rc-hero-points {
    display: none;
  }
  .rc-card-foot,
  .rc-fields,
  .rc-out {
    padding-left: 1.2rem;
    padding-right: 1.2rem;
  }
  .rc-panel-wrap {
    padding: 1.2rem;
  }
  .rc-stats {
    grid-template-columns: 1fr;
  }
  .rc-input input {
    width: 6.2rem;
  }
  .rc-card-foot {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.6rem;
  }
}
@media (prefers-reduced-motion: reduce) {
  .rc-card {
    animation: none;
  }
  .rc-split-bar .seg,
  .rc-tabs [role="tab"] {
    transition: none;
  }
}
.lv-status {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  margin-top: 0.3rem;
  padding: 0.4rem 0.75rem;
  border-radius: 999px;
  font-size: 0.84rem;
  font-weight: 600;
}
.lv-status svg {
  width: 16px;
  height: 16px;
}
.lv-gap {
  margin-top: 1.25rem;
}
.lv-results {
  padding: 0 1.7rem 0.4rem;
}
.lv-tiles {
  margin-top: 0;
  grid-template-columns: repeat(2, minmax(0, 1fr));
}
.rc-tile.is-over {
  background: #fff;
  border-color: var(--navy-700);
  box-shadow: inset 0 0 0 1px var(--navy-700);
}
@media (max-width: 560px) {
  .lv-results {
    padding: 0 1.2rem 0.4rem;
  }
  .lv-tiles {
    grid-template-columns: 1fr 1fr;
  }
}
.hero.page-hero.iv-hero .wrap {
  padding-bottom: clamp(3rem, 5vw, 4rem);
}
.iv-hero-inner {
  max-width: 46rem;
}
.iv-hero-inner .hero-ctas {
  margin-top: 1.8rem;
}
.iv-f .rc-input input {
  width: 100%;
  min-width: 0;
  text-align: left;
}
.bl-hero .iv-hero-inner {
  max-width: 42rem;
}
.bl-filters {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-bottom: 1.6rem;
}
.bl-chip {
  font: inherit;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--navy-900);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 0.55rem 1rem;
  cursor: pointer;
  transition:
    background 0.2s,
    border-color 0.2s,
    color 0.2s;
}
.bl-chip:hover {
  border-color: var(--gold);
}
.bl-chip[aria-pressed="true"] {
  background: var(--navy-900);
  border-color: var(--navy-900);
  color: #fff;
}
.bl-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.2rem;
}
.bl-card[hidden] {
  display: none;
}
.bl-card {
  min-width: 0;
}
.bl-link {
  display: flex;
  flex-direction: column;
  height: 100%;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 10px;
  overflow: hidden;
  color: inherit;
  text-decoration: none;
  transition:
    transform 0.3s var(--ease),
    box-shadow 0.3s var(--ease),
    border-color 0.3s var(--ease);
}
.bl-link:hover {
  border-color: var(--line-gold);
  box-shadow: 0 26px 50px -30px rgba(26, 54, 52, 0.45);
}
.bl-thumb {
  aspect-ratio: 16/10;
  overflow: hidden;
  background: var(--navy-900);
}
.ad-hero-photo img,
.bl-thumb img {
  display: block;
  width: 100%;
  object-fit: cover;
}
.bl-thumb img {
  height: 100%;
  transition: transform 0.6s var(--ease);
}
.bl-link:hover .bl-thumb img {
  transform: scale(1.04);
}
.bl-body {
  display: flex;
  flex-direction: column;
  flex: 1;
  padding: 1.25rem 1.3rem 1.2rem;
}
.bl-cat {
  align-self: flex-start;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-deep);
  background: rgba(47, 98, 95, 0.12);
  padding: 0.3rem 0.6rem;
  border-radius: 999px;
}
.bl-title {
  margin-top: 0.8rem;
  font-size: 1.12rem;
  line-height: 1.35;
  color: var(--navy-900);
  letter-spacing: -0.015em;
  text-wrap: balance;
}
.bl-ex,
.bl-meta {
  color: var(--muted);
}
.bl-ex {
  margin-top: 0.55rem;
  font-size: 0.92rem;
  line-height: 1.6;
}
.bl-meta {
  margin-top: auto;
  padding-top: 1rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  font-size: 0.82rem;
}
.bl-more {
  display: inline-flex;
  align-items: center;
}
.bl-more {
  gap: 0.35rem;
  font-weight: 600;
  color: var(--gold-deep);
}
.bl-more .arrow {
  display: inline-flex;
  width: 15px;
  height: 15px;
  transition: transform 0.25s var(--ease);
}
.bl-link:hover .bl-more .arrow {
  transform: translateX(3px);
}
.bl-feature {
  margin-bottom: 1.2rem;
}
.bl-feature .bl-link {
  display: grid;
  grid-template-columns: minmax(0, 7fr) minmax(0, 5fr);
}
.bl-feature .bl-thumb {
  aspect-ratio: auto;
  min-height: 320px;
}
.bl-feature .bl-body {
  padding: 2rem 2rem 1.8rem;
  justify-content: center;
}
.bl-feature .bl-title {
  font-size: clamp(1.4rem, 2.4vw, 1.9rem);
  margin-top: 1rem;
}
.bl-feature .bl-ex {
  font-size: 1rem;
}
.bl-feature .bl-meta {
  margin-top: 1.4rem;
}
.bl-empty {
  margin-top: 1.2rem;
  text-align: center;
  color: var(--muted);
}
.bl-home-head {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  gap: 1.5rem;
  flex-wrap: wrap;
  margin-bottom: clamp(1.8rem, 3vw, 2.6rem);
}
.bl-home-head h2 {
  margin-top: 0.2rem;
  max-width: 34rem;
  text-wrap: balance;
}
@media (max-width: 1080px) {
  .bl-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
  .bl-feature .bl-link {
    grid-template-columns: 1fr;
  }
  .bl-feature .bl-thumb {
    min-height: 0;
    aspect-ratio: 16/9;
  }
}
@media (max-width: 640px) {
  .bl-grid {
    grid-template-columns: 1fr;
  }
  .bl-feature .bl-body {
    padding: 1.3rem;
  }
  .bl-filters {
    flex-wrap: nowrap;
    overflow-x: auto;
    margin: 0-24px 1.4rem;
    padding: 0 24px 0.3rem;
    scrollbar-width: none;
  }
  .bl-filters::-webkit-scrollbar {
    display: none;
  }
  .bl-chip {
    flex: 0 0 auto;
  }
}
.ad-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 7fr) minmax(0, 5fr);
  gap: clamp(2rem, 5vw, 5rem);
  align-items: center;
}
.ad-role {
  margin: 0.6rem 0 1rem;
  font-size: 1.05rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--gold-pale);
}
.ad-hero-photo {
  position: relative;
  overflow: hidden;
  background: var(--navy-700);
}
.ad-hero-photo::after {
  content: "";
  position: absolute;
  inset: 0;
  box-shadow: inset 0 0 0 1px rgba(47, 98, 95, 0.35);
}
.ad-hero-photo img {
  height: auto;
  aspect-ratio: 5/4;
  object-position: top;
}
.ad-hero .hero-trust {
  margin-top: 2rem;
}
.hero.page-hero.ad-hero.on-navy {
  background:
    radial-gradient(
      120% 90% at 85% 10%,
      rgba(20, 100, 122, 0.55) 0%,
      rgba(11, 74, 93, 0) 60%
    ),
    linear-gradient(165deg, #083b4a 0%, #0b4a5d 55%, #0e5669 100%);
}
@media (max-width: 1080px) {
  .ad-hero-grid {
    grid-template-columns: 1fr;
  }
  .ad-hero-photo {
    max-width: 30rem;
    order: -1;
  }
}
@media (max-width: 640px) {
  .ad-hero-photo img {
    aspect-ratio: 4/3;
  }
}
.ar-meta {
  display: flex;
  flex-wrap: wrap;
  margin-top: 1.4rem;
  font-size: 0.92rem;
  color: #cfdbda;
}
.ar-author {
  display: inline-flex;
  gap: 0.6rem;
  color: inherit;
  text-decoration: none;
}
.ar-author img {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  object-fit: cover;
  object-position: top;
  border: 2px solid rgba(47, 98, 95, 0.5);
}
.ar-author b {
  color: #fff;
}
.ar-dot {
  width: 4px;
  height: 4px;
  border-radius: 50%;
  background: var(--gold);
}
.ar-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 20rem;
  gap: clamp(2rem, 5vw, 4.5rem);
  align-items: start;
}
.ar-body {
  max-width: none;
}
.ar-body h2 {
  margin: 2.4rem 0 0.9rem;
  font-size: clamp(1.45rem, 2.4vw, 1.85rem);
  letter-spacing: -0.02em;
}
.ar-body h3 {
  margin: 1.8rem 0 0.6rem;
  font-size: 1.18rem;
}
.ar-body ol,
.ar-body ul {
  list-style: disc;
  padding-left: 1.3rem;
}
.ar-body ol {
  list-style: decimal;
}
.ar-body li::marker,
.prose li::marker {
  color: var(--gold-deep);
  font-weight: 700;
}
.ar-body li,
.prose li {
  margin-bottom: 0.55rem;
}
.ar-body a {
  color: var(--gold-deep);
  font-weight: 600;
}
.ar-body a:hover {
  text-decoration: underline;
}
.ar-ctas {
  margin: 1.4rem 0 0.6rem;
}
.ar-side {
  position: sticky;
  top: 6rem;
  display: grid;
  gap: 1.1rem;
}
.ar-card {
  padding: 1.4rem;
  border-radius: 10px;
  background: var(--paper);
  border: 1px solid var(--line);
}
.ar-author-box img,
.ar-card > img {
  width: 100%;
  height: auto;
  object-fit: cover;
  object-position: top;
}
.ar-card > img {
  aspect-ratio: 4/3;
  margin-bottom: 1rem;
}
.ar-card b {
  display: block;
  font-size: 1.08rem;
  margin-bottom: 0.4rem;
}
.ar-card p {
  font-size: 0.92rem;
  color: var(--muted);
  line-height: 1.55;
  margin: 0 0 1rem;
}
.ar-card .btn {
  width: 100%;
  justify-content: center;
}
.ar-card .btn + .btn {
  margin-top: 0.7rem;
}
.ar-links a,
.ar-related-pages li a {
  color: var(--navy-900);
  text-decoration: none;
  font-weight: 600;
}
.ar-links a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.5rem;
  padding: 0.65rem 0;
  border-top: 1px solid var(--line);
  font-size: 0.95rem;
}
.ar-links a .arrow,
.ar-links a:hover {
  color: var(--gold-deep);
}
.ar-links a .arrow {
  display: inline-flex;
  width: 15px;
  height: 15px;
}
.ar-author-box {
  display: grid;
  grid-template-columns: 12rem minmax(0, 1fr);
  gap: 2rem;
  align-items: center;
}
.ar-author-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 0.9rem;
  margin-top: 1.4rem;
}
.ar-author-box img {
  aspect-ratio: 1;
}
.ar-author-box .prose a {
  color: var(--gold-pale);
}
.ar-author-box .prose a.btn-gold,
.ar-author-box .prose a.btn-gold:hover {
  color: #0b4a5d;
}
.ar-author-box .prose a.btn-outline,
.ar-author-box .prose a.btn-outline:hover {
  color: #fff;
}
.ar-related-pages {
  margin-top: 1.6rem;
  font-size: 0.95rem;
}
.ar-card b,
.ar-related-pages b {
  color: var(--navy-900);
}
.ar-related-pages ul {
  list-style: none;
  margin: 0.5rem 0 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
}
.ar-related-pages li a {
  display: inline-block;
  padding: 0.4rem 0.8rem;
  border-radius: 999px;
  border: 1px solid var(--line);
  background: #fff;
  font-size: 0.88rem;
}
.ar-related-pages li a:hover {
  border-color: var(--line-gold);
  color: var(--gold-deep);
}
.ar-disc {
  margin-left: 0;
  max-width: none;
  text-align: left;
  margin-top: 3rem;
}
@media (max-width: 1080px) {
  .ar-layout {
    grid-template-columns: minmax(0, 1fr);
  }
  .ar-side {
    position: static;
  }
  .ar-side {
    grid-template-columns: 1fr 1fr;
  }
}
@media (max-width: 640px) {
  .ar-author-box,
  .ar-side {
    grid-template-columns: 1fr;
  }
  .ar-author-box img {
    max-width: 12rem;
  }
}
.ar-figure {
  margin: 0 0 1.8rem;
}
.ar-figure img {
  display: block;
  width: 100%;
  height: auto;
  aspect-ratio: 16/9;
  object-fit: cover;
}
.calc-note {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  margin: 1rem 0 0;
  padding: 0.55rem 0.9rem;
  border-radius: 999px;
  border: 1px solid rgba(47, 98, 95, 0.4);
  background: rgba(47, 98, 95, 0.1);
  color: var(--gold-pale);
  font-size: 0.86rem;
  font-weight: 600;
}
.calc-note::before {
  content: "";
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gold);
  flex: 0 0 auto;
}
.table-wrap {
  overflow-x: auto;
  margin: 1.6rem 0;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: #fff;
}
.on-navy .table-wrap {
  background: rgba(255, 255, 255, 0.04);
}
.table-wrap table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.92rem;
  font-variant-numeric: tabular-nums;
  min-width: 520px;
}
.table-wrap td,
.table-wrap th {
  border-bottom: 1px solid var(--line);
}
.table-wrap th {
  text-align: left;
  font-weight: 600;
  color: var(--muted);
  padding: 0.75rem 0.9rem;
  background: var(--paper);
  white-space: nowrap;
}
.on-navy .table-wrap th {
  background: rgba(255, 255, 255, 0.06);
  color: var(--gold-pale);
}
.table-wrap td {
  padding: 0.7rem 0.9rem;
  vertical-align: top;
}
.on-navy .table-wrap,
.on-navy .table-wrap td,
.on-navy .table-wrap th {
  border-color: var(--line-navy);
}
.table-wrap tr:last-child td {
  border-bottom: none;
}
.prose .callout {
  margin: 1.4rem 0;
}
.prose ul:not(.check-list) {
  list-style: disc;
  padding-left: 1.3rem;
}
.prose ol {
  padding-left: 1.3rem;
}
.on-navy .prose li::marker {
  color: var(--gold-pale);
}
.prose h3 {
  margin: 1.4rem 0 0.5rem;
}
.hero.page-hero.hero-calc {
  --hero-img: url("../img/guides/pros-and-cons.jpg");
}
.hero.page-hero.ad-hero {
  --hero-img: url("../img/guides/reverse-mortgage-or-downsizing.jpg");
}
.hero.page-hero.hero-legal {
  --hero-img: url("../img/guides/property-types.jpg");
}
@media (min-width: 921px) {
  .has-mega.has-wide {
    position: static;
  }
  .header .wrap {
    position: relative;
  }
  .mega.mega-wide {
    left: 50%;
    right: auto;
    width: min(1180px, calc(100vw - 48px));
    transform: translate(-50%, 8px);
  }
  li.open > .mega.mega-wide,
  li:focus-within > .mega.mega-wide,
  li:hover > .mega.mega-wide {
    transform: translate(-50%, 0);
  }
  .mega-wide .mega-cols {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.6rem 2.4rem;
  }
  .mega-wide .mega-col {
    min-width: 0;
  }
  .header .wrap {
    align-items: stretch;
    min-height: 84px;
  }
  .header .brand,
  .header .header-cta {
    align-self: center;
  }
  .nav,
  .nav > ul {
    align-items: stretch;
  }
  .nav > ul {
    gap: 1.1rem;
  }
  .nav > ul > li {
    display: flex;
  }
  .nav-link {
    height: 100%;
    padding: 0 1.25rem;
    font-size: 1.05rem;
    font-weight: 600;
    gap: 0.55rem;
    border-radius: 0;
  }
  .nav-link .caret {
    width: 10px;
    height: 10px;
    border-width: 2px;
  }
  li.open > .nav-link {
    background: #f4f6f7;
    color: var(--ink);
    position: relative;
    z-index: 91;
  }
  .header.at-top li.open > .nav-link,
  .mega-side h3,
  .nav-link {
    color: var(--ink);
  }
  .mega {
    top: 100%;
    left: 0;
    right: auto;
    transform: translate(var(--shift, 0px), 0);
    display: flex;
    padding: 0;
    background: #f4f6f7;
    border: 0;
    border-top: none;
    border-radius: 0 0 6px 6px;
    box-shadow: 0 24px 50px -20px rgba(44, 44, 44, 0.35);
    min-width: 720px;
    transition:
      opacity 0.18s var(--ease),
      visibility 0.18s;
  }
  .mega a.mi span,
  .mega::before {
    display: none;
  }
  .mega-main {
    flex: 1 1 auto;
    padding: 2.2rem 2.6rem 1.6rem;
  }
  .mega-side {
    flex: 0 0 330px;
    background: #fff;
    padding: 2.2rem 2.2rem 2rem;
    border-radius: 0 0 6px 0;
  }
  .mega-side h3 {
    font-size: 1.25rem;
    font-weight: 700;
    margin-bottom: 0.9rem;
    letter-spacing: -0.02em;
  }
  .mega a.mi,
  .mega-side p {
    font-size: 0.875rem;
    line-height: 1.65;
    color: var(--ink);
  }
  .mega-cols {
    display: flex;
    gap: 3rem;
  }
  .mega-col {
    min-width: 200px;
  }
  .mega-title {
    font-size: 0.95rem;
    font-weight: 700;
    letter-spacing: 0;
    text-transform: none;
    color: var(--ink);
    border-bottom: none;
    padding-bottom: 0;
    margin: 0 0 0.5rem;
  }
  .mega-col + .mega-col .mega-title {
    margin-top: 0;
  }
  .mega-col .mega-title ~ .mega-title {
    margin-top: 1.3rem;
  }
  .mega a.mi {
    font-size: 1rem;
    font-weight: 500;
    padding: 0.55rem 0.6rem;
    margin: 0-0.6rem;
    white-space: nowrap;
    line-height: 1.35;
  }
  .mega a.mi:hover {
    background: #e6edec;
    color: var(--gold-deep);
  }
  .mega-foot {
    margin-top: 1.6rem;
    padding-top: 1.4rem;
    border-top: 1px solid #e0e3e3;
  }
  .mega-foot .see-all {
    display: inline-flex;
    align-items: center;
    gap: 0.9rem;
    font-size: 0.9rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--gold-deep);
  }
  .mega-foot .see-all .circ {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 34px;
    height: 34px;
    border: 2px solid currentColor;
    border-radius: 50%;
  }
  .mega-foot .see-all .circ svg {
    width: 16px;
    height: 16px;
  }
  .mega-foot .see-all:hover {
    text-decoration: underline;
    text-underline-offset: 4px;
  }
  .mega.mega-wide {
    min-width: 980px;
  }
  .mega.mega-wide .mega-cols {
    gap: 2.4rem;
  }
}
@media (max-width: 920px) {
  .mega-side {
    display: none;
  }
  .mega-main {
    padding: 0;
  }
  .mega a.mi {
    font-size: 1rem;
    padding: 0.6rem 0.2rem;
  }
  .mega-title {
    font-size: 0.9rem;
    font-weight: 700;
    letter-spacing: 0;
    text-transform: none;
    color: var(--ink);
    border-bottom: none;
    margin: 0.9rem 0 0.2rem;
  }
  .mega-foot .see-all {
    display: inline-flex;
    align-items: center;
    gap: 0.7rem;
    font-weight: 700;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: var(--gold-deep);
    padding: 0.6rem 0 1rem;
  }
  .mega-foot .see-all .circ {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 30px;
    height: 30px;
    border: 2px solid currentColor;
    border-radius: 50%;
  }
  .mega-foot .see-all .circ svg {
    width: 14px;
    height: 14px;
  }
}
.btn-gold {
  background: var(--gold);
  color: #fff;
  border-color: var(--gold);
}
.btn-gold:hover {
  background: #244b48;
  border-color: #244b48;
}
.hero .btn-gold,
.on-navy .btn-gold {
  background: #fff;
  color: var(--gold);
  border-color: #fff;
}
.header.at-top .btn-gold {
  background: #fff;
  color: var(--gold);
}
.header.at-top .btn-gold:hover,
.hero .btn-gold:hover,
.on-navy .btn-gold:hover {
  background: #dce7e7;
  border-color: #dce7e7;
  color: #244b48;
}
.header.scrolled .btn-gold,
body.no-hero .header.at-top .btn-gold {
  background: var(--gold);
  border-color: var(--gold);
}
.faq-intro h2.faq-title {
  font-family: var(--serif);
  font-weight: 700;
  letter-spacing: -0.025em;
}
.header {
  background: #25495c;
  border-bottom-color: #25495c;
  transition:
    background 0.3s var(--ease),
    border-color 0.3s var(--ease),
    box-shadow 0.3s var(--ease);
}
.header.at-top {
  background: 0 0;
  backdrop-filter: none;
  border-bottom-color: transparent;
  box-shadow: none;
}
.header.scrolled,
body.no-hero .header,
body.no-hero .header.at-top {
  background: #25495c;
  backdrop-filter: none;
  border-bottom-color: #25495c;
  box-shadow: 0 10px 30px -18px rgba(0, 0, 0, 0.45);
}
.footer .f-col a:hover,
.footer a,
.footer-disc a,
.header .nav-link,
.header.at-top .nav-link,
.header.scrolled .nav-link,
body.no-hero .header .nav-link,
body.no-hero .header.at-top .nav-link {
  color: #fff;
}
.footer a:hover,
.header .nav-link:hover,
.header.at-top .nav-link:hover,
body.no-hero .header.at-top .nav-link:hover {
  color: #dce7e7;
}
.header .btn-gold,
.header.at-top .btn-gold,
.header.scrolled .btn-gold,
body.no-hero .header.at-top .btn-gold {
  background: #6ed286;
  color: #2c2c2c;
  border-color: #6ed286;
}
.header .btn-gold:hover {
  background: #5bc476;
  border-color: #5bc476;
  color: #2c2c2c;
}
.header .nav-toggle span,
.header.at-top .nav-toggle span,
.nav.openm,
body.no-hero .header.at-top .nav-toggle span {
  background: #fff;
}
.hero .hero-form .btn-gold,
.hero-form .btn-gold {
  background: var(--gold);
  color: #fff;
  border-color: var(--gold);
}
.hero-form .btn-gold:hover {
  background: #244b48;
  border-color: #244b48;
}
@media (min-width: 921px) {
  .header li.open > .nav-link,
  .header.at-top li.open > .nav-link,
  .header.scrolled li.open > .nav-link,
  body.no-hero .header li.open > .nav-link {
    background: #f4f6f7;
    color: var(--ink);
  }
  .header .nav-link .caret {
    border-color: currentColor;
  }
}
@media (max-width: 920px) {
  .nav.openm .mega a.mi,
  .nav.openm .nav-link {
    color: var(--ink);
  }
  .nav.openm .nav-link .caret {
    border-color: var(--ink);
  }
}
@media (min-width: 921px) {
  .nav > ul > li.nav-cta-mobile {
    display: none;
  }
  .mega {
    min-width: 780px;
  }
  .mega.mega-wide {
    min-width: 1120px;
  }
  .mega.mega-wide .mega-cols {
    gap: 3.4rem;
  }
  .mega.mega-wide .mega-col {
    min-width: 0;
  }
}
@media (max-width: 920px) {
  .nav {
    top: 76px;
    padding-top: 1.4rem;
  }
  .nav.openm {
    box-shadow: none;
  }
}
:root {
  --maxw: 90rem;
}
.footer {
  background: #25495c;
  color: #fff;
  font-size: 1.05rem;
}
.footer-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
  padding: 3.4rem 0 2.2rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.55);
}
.footer .f-logo {
  display: block;
}
.footer .brand-tag {
  display: block;
  color: #dce7e7;
  font-size: 0.95rem;
  margin-top: 0.35rem;
  font-weight: 500;
}
.btn-green {
  background: #6ed286;
  color: #2c2c2c;
  border-color: #6ed286;
  padding: 0.95rem 2rem;
  font-size: 1.05rem;
  font-weight: 700;
}
.btn-green:hover {
  background: #5bc476;
  border-color: #5bc476;
  color: #2c2c2c;
}
.footer-cols {
  display: grid;
  grid-template-columns: 1fr 1fr 1.5fr;
}
.footer .f-col li {
  margin-bottom: 0.75rem;
  font-size: 1.05rem;
  line-height: 1.5;
}
.f-side {
  justify-self: end;
  text-align: left;
  max-width: 24rem;
}
.footer-disc {
  font-size: 0.8rem;
  line-height: 1.6;
  color: #c8d5d4;
  padding: 0 0 2.6rem;
}

@media (max-width: 1080px) {
  .footer-cols {
    grid-template-columns: 1fr 1fr;
    gap: 2.4rem;
  }
  .f-side {
    grid-column: 1/-1;
    justify-self: start;
    max-width: none;
  }
}
@media (max-width: 640px) {
  .footer-cols {
    grid-template-columns: 1fr;
  }
}

.mission {
  background: #f9f8f3;
  overflow: hidden;
  padding: 6rem 0 5.5rem;
}
.mission,
.mission .wrap {
  position: relative;
}
.mission-head {
  text-align: center;
  max-width: 44rem;
  margin: 0 auto 3.4rem;
}
.mission-head h2 {
  color: #25495c;
  font-size: clamp(1.9rem, 3.2vw, 2.5rem);
  line-height: 1.2;
  margin-bottom: 1.1rem;
}
.mission-card p,
.mission-head p {
  font-size: 1.1rem;
  line-height: 1.7;
  color: var(--ink);
}
.mission-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  max-width: 58rem;
  margin: 0 auto;
}
.mission-card {
  padding: 0.4rem 0 1.6rem 1.4rem;
  display: flex;
  flex-direction: column;
}
.mission-media {
  overflow: hidden;
  margin-bottom: 1.2rem;
}
.copy-media img,
.mission-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.mission-card h3 {
  font-size: 1.45rem;
  font-weight: 700;
  color: #25495c;
  margin-bottom: 0.6rem;
  letter-spacing: -0.01em;
}
.mission-card p {
  font-size: 1rem;
  line-height: 1.6;
  margin-bottom: 1.6rem;
}
.mission-link {
  margin-top: auto;
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  font-weight: 700;
  font-size: 1.05rem;
  color: #25495c;
}
.mission-link .arr {
  display: inline-flex;
  width: 18px;
  height: 18px;
  transition: transform 0.2s var(--ease);
}
.mission-link:hover {
  color: #2f625f;
}
.mission-link:hover .arr {
  transform: translateX(4px);
}
@media (max-width: 820px) {
  .mission-cards {
    grid-template-columns: 1fr;
    gap: 2.4rem;
  }
  .mission {
    padding: 4rem 0;
  }
}
.mission-card {
  border-left: none;
  padding-left: 0;
}
.mission-media {
  border-radius: 10px 10px 0 0;
  aspect-ratio: 16/10;
  border: 1px solid var(--line);
  border-bottom: none;
  background: var(--navy-900);
}
.mission-head,
.mission-head p {
  max-width: none;
}
.mission-cards {
  max-width: none;
  gap: 3.5rem;
}
.header .brand {
  display: block;
  position: relative;
  line-height: 0;
}
.header .brand img {
  height: 44px;
  width: auto;
  display: block;
  transition: opacity 0.3s var(--ease);
}
.header .brand .logo-scrolled {
  position: absolute;
  left: 0;
  top: 0;
  opacity: 0;
}
.header.scrolled .brand .logo-top,
.header:not(.at-top) .brand .logo-top,
body.no-hero .header .brand .logo-top {
  opacity: 0;
}
.header.scrolled .brand .logo-scrolled,
.header:not(.at-top) .brand .logo-scrolled,
body.no-hero .header .brand .logo-scrolled {
  opacity: 1;
}
.footer .f-logo img {
  width: auto;
  display: block;
  margin-bottom: 0.6rem;
}
@media (max-width: 640px) {
  .header .brand img {
    height: 44px;
  }
  .footer .f-logo img {
    height: 64px;
  }
}
.bg-pale-teal {
  background: #dce7e7;
}
.bg-pale-teal .opt-card {
  background: #fff;
  border-color: #c8d5d4;
}
.on-navy {
  background:
    radial-gradient(
      120% 90%at 85% 10%,
      rgba(20, 100, 122, 0.55) 0,
      rgba(11, 74, 93, 0) 60%
    ),
    linear-gradient(165deg, #083b4a 0, #0b4a5d 55%, #0e5669 100%);
  color: #e6edec;
}
.bg-overlay {
  background:
    linear-gradient(
      to top,
      rgba(8, 59, 74, 0.92) 0,
      rgba(11, 74, 93, 0.35) 30%,
      rgba(11, 74, 93, 0) 55%
    ),
    radial-gradient(
      120% 90%at 85% 15%,
      rgba(20, 100, 122, 0.55) 0,
      rgba(11, 74, 93, 0) 60%
    ),
    linear-gradient(
      100deg,
      rgba(8, 59, 74, 0.97) 0,
      rgba(11, 74, 93, 0.9) 36%,
      rgba(11, 74, 93, 0.62) 66%,
      rgba(14, 86, 105, 0.7) 100%
    );
}
.hero.on-navy,
.hero.page-hero.on-navy {
  color: #eef3f2;
}
@media (min-width: 921px) {
  .has-mega.mega-right > .mega {
    left: auto;
    right: 0;
    transform: none;
    border-radius: 0 0 6px 6px;
  }
  .has-mega.mega-right > .mega .mega-side {
    border-radius: 0 0 6px 0;
  }
  .has-mega.mega-center > .mega {
    left: 50%;
    right: auto;
    transform: translate(calc(-50% + var(--shift, 0px)), 0);
  }
}
.copy-grid-media {
  align-items: start;
}
.copy-media {
  overflow: hidden;
  aspect-ratio: 4/3;
  background: var(--navy-900);
}
.copy-grid-media .prose h2 {
  margin-bottom: 1.2rem;
}
@media (max-width: 900px) {
  .copy-media {
    aspect-ratio: 16/10;
    margin-bottom: 1.6rem;
  }
}
.ad-hero-photo,
.ad-hero-photo::after,
.ar-author-box img,
.ar-card > img,
.ar-figure img,
.copy-media {
  border-radius: 10px 10px 0 0;
}
#how-it-works .opt-grid {
  margin-top: 3rem;
}
.copy-grid-media-right {
  grid-template-columns: minmax(0, 7fr) minmax(0, 5fr);
  align-items: center;
}
.copy-media-contain {
  background: #fff;
  aspect-ratio: 3/2;
}
.copy-media-contain img {
  object-fit: contain;
}
@media (max-width: 900px) {
  .copy-grid-media-right {
    grid-template-columns: 1fr;
  }
  .copy-grid-media-right .copy-media {
    order: -1;
  }
}
.ar-meta-line,
.f-social a {
  display: inline-flex;
  align-items: center;
}
.ar-meta-line {
  gap: 0.7rem;
}
.ar-author {
  display: flex;
  align-items: center;
  line-height: 1.2;
}
.ar-author span {
  display: block;
  line-height: 1.3;
  padding-top: 1px;
}
.ar-author img {
  flex: none;
}
.ar-meta {
  flex-direction: row;
  align-items: center;
  gap: 0.8rem;
}
.ar-meta > img {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  object-fit: cover;
  object-position: top;
  border: 2px solid rgba(47, 98, 95, 0.5);
  flex: none;
}
.ar-meta-text {
  display: flex;
  flex-direction: column;
  gap: 0.3rem;
  line-height: 1.3;
}
.ar-author {
  display: inline;
  padding: 0;
}
.mega a.mi,
.mega a.mi span {
  white-space: normal;
}
@media (min-width: 921px) {
  .mega.mega-wide .mega-col {
    min-width: 0;
    max-width: 17rem;
  }
  .mega a.mi {
    line-height: 1.3;
  }
  .header.scrolled .wrap {
    min-height: 72px;
  }
  .header.scrolled .nav-link {
    font-size: 15px;
  }
  .header.scrolled .mega a.mi {
    font-size: 14px;
  }
  .header.scrolled .mega-title {
    font-size: 0.85rem;
  }
  .header.scrolled .mega-side p {
    font-size: 0.875rem;
    line-height: 1.65;
  }
  .header.scrolled .mega-foot .see-all {
    font-size: 0.9rem;
  }
  .header.scrolled .brand img {
    height: 40px;
  }
  .header .brand img,
  .header .wrap,
  .mega a.mi,
  .nav-link {
    transition:
      min-height 0.25s var(--ease),
      height 0.25s var(--ease),
      font-size 0.25s var(--ease),
      opacity 0.3s var(--ease);
  }
}
.footer .f-logo img {
  height: 40px;
}
@media (max-width: 640px) {
  .footer .f-logo img {
    height: 40px;
  }
}
.f-social {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin: 0 0 1.6rem;
}
.f-social a {
  justify-content: center;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: #fff;
  color: #25495c;
}
.f-social a svg {
  width: 24px;
  height: 24px;
  fill: currentColor;
}
.f-social a:hover {
  background: #dce7e7;
  color: #25495c;
}
.footer .footer-head .btn-green {
  color: #2c2c2c;
  font-size: 0.88rem;
  font-weight: 600;
  padding: 0.72rem 1.25rem;
}
.footer .footer-head .btn-green:hover {
  color: #2c2c2c;
  background: #5bc476;
  border-color: #5bc476;
}
.footer .f-col a {
  color: #b6c5c4;
  font-weight: 400;
}
.footer-cols {
  padding: 3.4rem 0 3rem;
  gap: 3.5rem;
}
.f-follow {
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: #dce7e7;
  margin-bottom: 1.4rem;
}
.f-address {
  color: #b6c5c4;
  font-size: 1rem;
  margin-top: 0.3rem;
}

/* Footer bottom row: TMA-style, inside the dark footer */
.footer-bottom .wrap {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 0.8rem 2rem;
  padding-top: 1.6rem;
  padding-bottom: 2rem;
  position: relative;
  font-size: 0.95rem;
  color: #b6c5c4;
}
.footer-bottom .wrap::before {
  content: "";
  position: absolute;
  top: 0;
  left: clamp(24px, 3vw, 48px);
  right: clamp(24px, 3vw, 48px);
  height: 1px;
  background: rgba(255, 255, 255, 0.18);
}
.footer-bottom a {
  color: #fff;
  text-decoration: underline;
  text-underline-offset: 3px;
  text-decoration-color: rgba(255, 255, 255, 0.45);
}
.footer-bottom a:hover {
  text-decoration-color: #fff;
}
@media (max-width: 720px) {
  .footer-head {
    flex-direction: column;
    align-items: flex-start;
    gap: 1.4rem;
  }
}