:root {
  --ink: #152033;
  --muted: #607086;
  --paper: #fbfaf7;
  --surface: #ffffff;
  --line: #dfe5ec;
  --blue: #174bd0;
  --green: #17785a;
  --amber: #8f5a00;
  --red: #aa2e26;
  --shadow: 0 24px 60px rgba(21, 32, 51, 0.12);
}

* { box-sizing: border-box; }
html {
  scroll-behavior: smooth;
  font-size: 16px;
  text-size-adjust: 100%;
}
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", system-ui, sans-serif;
  font-size: 1.0625rem;
  font-weight: 400;
  line-height: 1.65;
  letter-spacing: 0;
}
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }
:where(#formular, #proces) { scroll-margin-top: 96px; }
.table-scroll {
  max-width: 100%;
  overflow-x: auto;
  overscroll-behavior-inline: contain;
}
.table-scroll table { min-width: 720px; border-collapse: collapse; }
.table-scroll th,
.table-scroll td { padding: 12px 14px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
.table-scroll th { color: var(--ink); }
.table-scroll:focus-visible { outline: 3px solid #126bff; outline-offset: 3px; }

.skip-link {
  position: fixed;
  top: 8px;
  left: 8px;
  z-index: 200;
  padding: 10px 14px;
  border-radius: 6px;
  background: var(--ink);
  color: white;
  font-weight: 800;
  transform: translateY(-150%);
}
.skip-link:focus { transform: translateY(0); }

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 24px;
  padding: 16px clamp(18px, 4vw, 56px);
  background: rgba(251, 250, 247, 0.92);
  border-bottom: 1px solid rgba(223, 229, 236, 0.8);
  backdrop-filter: blur(18px);
}
.brand { display: inline-flex; align-items: center; gap: 12px; min-width: 220px; }
.brand-mark {
  display: grid;
  width: 42px;
  height: 42px;
  place-items: center;
  border-radius: 8px;
  background: var(--ink);
  color: white;
  font-weight: 800;
}
.brand strong, .brand small { display: block; }
.brand strong { font-size: 1.125rem; line-height: 1.25; letter-spacing: 0; }
.brand small { color: var(--muted); font-size: 1rem; line-height: 1.4; }
.site-nav { display: flex; justify-content: center; align-items: center; gap: 22px; color: var(--muted); font-size: 1rem; line-height: 1.4; }
.site-nav a:hover, .footer-links a:hover { color: var(--blue); }
.nav-dropdown { position: relative; }
.nav-dropdown-toggle {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  border: 0;
  padding: 8px 0;
  background: transparent;
  color: inherit;
  font: inherit;
  cursor: pointer;
}
.nav-dropdown-toggle::after {
  width: 7px;
  height: 7px;
  border-right: 2px solid currentColor;
  border-bottom: 2px solid currentColor;
  content: "";
  transform: translateY(-2px) rotate(45deg);
  transition: transform 160ms ease;
}
.nav-dropdown.is-open .nav-dropdown-toggle::after { transform: translateY(2px) rotate(225deg); }
.dropdown-menu {
  position: absolute;
  top: calc(100% + 12px);
  left: 50%;
  z-index: 20;
  display: none;
  grid-template-columns: repeat(2, minmax(220px, 1fr));
  width: min(560px, 80vw);
  gap: 8px;
  padding: 18px;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: white;
  box-shadow: var(--shadow);
  transform: translateX(-50%);
}
.nav-dropdown.is-open .dropdown-menu { display: grid; }
.dropdown-menu-single {
  grid-template-columns: minmax(260px, 1fr);
  width: min(340px, 80vw);
}
.dropdown-group { display: grid; align-content: start; gap: 2px; }
.dropdown-label {
  padding: 7px 10px;
  color: var(--green);
  font-size: 1rem;
  font-weight: 800;
}
.dropdown-menu a { padding: 9px 10px; border-radius: 6px; color: var(--ink); }
.dropdown-menu a:hover { background: #f1f6ff; }
.header-cta, .btn {
  display: inline-flex;
  min-height: 44px;
  align-items: center;
  justify-content: center;
  border: 1px solid transparent;
  border-radius: 8px;
  padding: 12px 18px;
  font-size: 1rem;
  font-weight: 700;
  line-height: 1.25;
}
.header-cta, .btn.primary { background: var(--blue); color: white; }
.btn.secondary { border-color: var(--line); background: white; color: var(--ink); }
.btn:disabled { cursor: wait; opacity: 0.7; }
.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: white;
  cursor: pointer;
}
.nav-toggle span {
  display: block;
  width: 18px;
  height: 2px;
  margin: 4px auto;
  background: var(--ink);
  transition: opacity 160ms ease, transform 160ms ease;
}
.nav-toggle[aria-expanded="true"] span:first-child { transform: translateY(6px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:last-child { transform: translateY(-6px) rotate(-45deg); }

.hero, .page-hero {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(320px, 0.95fr);
  gap: clamp(32px, 5vw, 80px);
  align-items: center;
  padding: clamp(42px, 7vw, 92px) clamp(18px, 5vw, 72px);
}
.hero { min-height: calc(100svh - 75px); }
.page-hero { align-items: center; }
.hero-copy { max-width: 720px; }
.eyebrow {
  margin: 0 0 12px;
  color: var(--green);
  font-size: 1rem;
  font-weight: 800;
  line-height: 1.4;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
h1, h2, h3, p { overflow-wrap: anywhere; }
h1, h2, h3, h4 {
  margin: 0;
  font-weight: 800;
  letter-spacing: 0;
  text-wrap: balance;
}
h1 {
  max-width: 780px;
  font-size: clamp(2.5rem, 4.2vw, 3.375rem);
  line-height: 1.08;
}
.page-hero h1 { font-size: clamp(2.375rem, 4vw, 3.375rem); }
h2 {
  font-size: clamp(2rem, 3vw, 2.75rem);
  line-height: 1.12;
}
h3 {
  font-size: clamp(1.25rem, 1.4vw, 1.5rem);
  line-height: 1.25;
  letter-spacing: 0;
}
h4 {
  font-size: 1.125rem;
  line-height: 1.35;
  letter-spacing: 0;
}
p, li, dd, summary, label, input, select, textarea, button, blockquote, cite {
  font-size: max(1rem, 16px);
}
p { line-height: 1.7; }
.hero-lead, .section-heading p, .lead-band p, .split p, .service-card p, .steps p, .site-footer p, .info-box p, details p {
  color: var(--muted);
}
.hero-lead { max-width: 650px; margin: 22px 0 0; font-size: clamp(1.125rem, 1.4vw, 1.375rem); line-height: 1.55; }
.service-note {
  width: fit-content;
  max-width: 100%;
  margin: 20px 0 0;
  padding: 16px 18px;
  border: 1px solid rgba(31, 138, 104, 0.28);
  border-radius: 8px;
  background: rgba(31, 138, 104, 0.08);
  color: var(--ink);
  font-size: 1rem;
  line-height: 1.55;
}
.service-note strong { color: var(--green); }

.regulatory-note {
  max-width: 720px;
  margin: 12px 0 0;
  color: var(--muted);
  font-size: 0.875rem;
  line-height: 1.55;
}

.regulatory-note a {
  color: var(--blue);
  font-weight: 700;
  text-underline-offset: 3px;
}

.regulatory-note a:hover {
  text-decoration-thickness: 2px;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.contact-choice {
  margin: 26px 0 -18px;
  color: var(--muted);
  font-size: 0.9375rem;
  font-weight: 700;
  line-height: 1.5;
}
.trust-strip {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  max-width: 560px;
  margin: 34px 0 0;
  padding: 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.trust-strip div { padding: 18px 16px; border-right: 1px solid var(--line); }
.trust-strip div:last-child { border-right: 0; }
.trust-strip dt { font-size: clamp(1.5rem, 2vw, 1.75rem); font-weight: 800; line-height: 1.2; letter-spacing: 0; }
.trust-strip dd { margin: 4px 0 0; color: var(--muted); line-height: 1.45; }
.hero-panel, .mini-form, .profile-panel {
  padding: clamp(18px, 3vw, 28px);
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--surface);
  box-shadow: var(--shadow);
}
.page-hero .mini-form {
  width: 100%;
  max-width: 520px;
  justify-self: center;
}
.hero-panel img { width: 100%; border-radius: 8px; background: #eef4f1; }
.hero-panel picture {
  display: block;
  aspect-ratio: 1;
  overflow: hidden;
  border-radius: 8px;
}
.profile-panel picture {
  display: block;
  aspect-ratio: 4 / 5;
  overflow: hidden;
  border-radius: 8px;
}
.hero-panel .hero-portrait {
  height: 100%;
  aspect-ratio: 1;
  object-fit: cover;
  object-position: center;
}
.hero-affiliations {
  max-width: 720px;
  margin-top: 22px;
}
.hero-affiliation-line {
  display: flex;
  flex-wrap: wrap;
  gap: 4px 10px;
  margin: 0;
  color: var(--muted);
  font-size: 0.9375rem;
  line-height: 1.5;
}
.hero-affiliation-line strong { color: var(--ink); }
.hero-affiliation-line > span[aria-hidden="true"] { color: #9aa7b7; }
.profile-panel { display: grid; gap: 20px; }
.profile-panel img {
  width: 100%;
  height: 100%;
  border-radius: 8px;
  object-fit: cover;
  object-position: center 30%;
}
.profile-panel p { margin-bottom: 0; color: var(--muted); }
.panel-list { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; margin-top: 16px; }
.panel-list span {
  min-height: 44px;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 12px;
  background: #fbfcff;
  font-weight: 700;
}

.lead-band, .process-band {
  display: grid;
  grid-template-columns: minmax(0, 0.8fr) minmax(320px, 1.2fr);
  gap: clamp(24px, 5vw, 64px);
  align-items: start;
  padding: clamp(40px, 6vw, 76px) clamp(18px, 5vw, 72px);
  background: var(--ink);
  color: white;
}
.partner-band {
  padding: clamp(40px, 6vw, 72px) clamp(18px, 5vw, 72px);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  background: var(--surface);
}
.partner-tab-list {
  display: flex;
  gap: 28px;
  overflow-x: auto;
  border-bottom: 1px solid var(--line);
}
.partner-tab {
  position: relative;
  min-height: 52px;
  flex: 0 0 auto;
  padding: 10px 2px 14px;
  border: 0;
  background: transparent;
  color: var(--muted);
  cursor: pointer;
  font: inherit;
  font-weight: 800;
}
.partner-tab::after {
  position: absolute;
  right: 0;
  bottom: -1px;
  left: 0;
  height: 3px;
  background: transparent;
  content: "";
}
.partner-tab[aria-selected="true"] { color: var(--ink); }
.partner-tab[aria-selected="true"]::after { background: var(--blue); }
.partner-tab-panel { padding-top: clamp(28px, 4vw, 44px); }
.partner-logos {
  display: grid;
  grid-template-columns: repeat(6, minmax(130px, 1fr));
  gap: 14px;
  margin-top: 28px;
}
.partner-logo-card {
  height: 96px;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: white;
}
.partner-logo-card img {
  width: 100%;
  height: 100%;
  padding: 10px;
  object-fit: contain;
}
#panel-banci .partner-logo-card img { padding: 4px 6px; }
#panel-asigurari .partner-logo-card img {
  max-width: none;
  padding: 0;
  object-fit: cover;
  object-position: center;
  transform: scale(1.2);
}
.lead-band p, .process-band p { color: rgba(255, 255, 255, 0.72); }
.lead-form { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; align-items: start; }
.form-security-field {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip-path: inset(50%);
  white-space: nowrap;
}
label { display: grid; gap: 7px; font-weight: 700; line-height: 1.4; }
input, select, textarea {
  width: 100%;
  min-height: 46px;
  border: 1px solid #cfd8e3;
  border-radius: 8px;
  padding: 12px 13px;
  background: white;
  color: var(--ink);
  font: inherit;
  line-height: 1.5;
}
select {
  appearance: none;
  padding-right: 44px;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%23364254' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  background-size: 16px;
}
textarea { resize: vertical; }
input:focus-visible, select:focus-visible, textarea:focus-visible, button:focus-visible, a:focus-visible {
  outline: 2px solid #126bff;
  outline-offset: 2px;
}
input[aria-invalid="true"], select[aria-invalid="true"], textarea[aria-invalid="true"] {
  border-color: #b42318;
  box-shadow: 0 0 0 1px #b42318;
}
.wide { grid-column: 1 / -1; }
.check { display: flex; align-items: start; gap: 10px; color: rgba(255, 255, 255, 0.82); font-weight: 600; line-height: 1.5; }
.check input { width: 18px; min-width: 18px; height: 18px; min-height: 18px; margin-top: 2px; }
.mini-form form { display: grid; gap: 13px; }
.form-field {
  display: flex;
  flex-direction: column;
  align-self: start;
  width: 100%;
  min-width: 0;
}
.form-field > label { margin: 0 0 7px; }
.form-field > input,
.form-field > select,
.form-field > textarea { margin: 0; }
.form-required-note, .field-hint, .field-error {
  margin: 0;
  font-size: 0.875rem;
  line-height: 1.45;
}
.form-required-note, .field-hint, .field-requirement { color: var(--muted); }
.field-requirement { font-weight: 500; }
.form-field > .field-hint { margin-top: 8px; }
.field-error {
  min-height: 0;
  margin-top: -8px;
  color: #9f1c12;
  font-weight: 700;
}
.form-field > .field-error { margin-top: 6px; }
.field-error:empty { display: none; }
.form-error-summary {
  padding: 12px 14px;
  border: 2px solid #b42318;
  border-radius: 8px;
  background: #fff4f2;
  color: #7a271a;
  font-weight: 700;
  line-height: 1.5;
}
.form-privacy-note {
  margin: 0;
  color: var(--muted);
  font-size: 0.82rem;
  line-height: 1.5;
}
.form-privacy-note a {
  color: inherit;
  text-decoration: underline;
  text-underline-offset: 2px;
}
.form-submit-status {
  margin: 0;
  font-size: 0.9375rem;
  font-weight: 700;
  line-height: 1.5;
}
.form-submit-status:empty { display: none; }
.form-submit-status.is-error {
  padding: 12px 14px;
  border: 2px solid #b42318;
  border-radius: 8px;
  background: #fff4f2;
  color: #7a271a;
}
.form-submit-status a { text-decoration: underline; text-underline-offset: 2px; }
.lead-band .field-requirement,
.lead-band .field-hint,
.lead-band .form-privacy-note { color: rgba(255, 255, 255, 0.78); }
.lead-band .field-error { color: #ffb4ab; }
.lead-band .form-privacy-note a { color: white; }

.section { padding: clamp(48px, 7vw, 92px) clamp(18px, 5vw, 72px); }
.section-heading { max-width: 820px; margin-bottom: 28px; }
.section-heading.compact { margin-bottom: 0; }
.service-grid, .content-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 14px; }
.content-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.content-grid.credit-types { grid-template-columns: repeat(5, minmax(0, 1fr)); }
.service-card, .info-box, blockquote, details {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: white;
}
.service-card {
  display: grid;
  grid-template-rows: auto auto 1fr auto;
  gap: 14px;
  min-height: 230px;
  padding: 22px;
  cursor: pointer;
  transition: transform 160ms ease, box-shadow 160ms ease, border-color 160ms ease;
}
.service-card:hover { transform: translateY(-3px); border-color: rgba(31, 94, 255, 0.48); box-shadow: var(--shadow); }
.card-link-cue {
  display: inline-flex;
  gap: 8px;
  align-items: center;
  justify-self: start;
  color: var(--blue);
  font-weight: 700;
  line-height: 1.4;
}
.card-link-cue > span { transition: transform 160ms ease; }
.service-card:hover .card-link-cue > span,
.service-card:focus-visible .card-link-cue > span { transform: translateX(4px); }
.service-card.priority {
  border-color: rgba(31, 94, 255, 0.32);
  background: #f8fbff;
}
.info-box { min-height: 190px; padding: 22px; }
.contact-details-band {
  display: grid;
  grid-template-columns: minmax(260px, 0.72fr) minmax(520px, 1.28fr);
  gap: clamp(40px, 7vw, 104px);
  align-items: start;
  padding: clamp(52px, 7vw, 88px) clamp(18px, 5vw, 72px);
  background: #f4f7fb;
}
.contact-details-intro { max-width: 520px; }
.contact-details-intro > p:last-child {
  margin: 20px 0 0;
  color: var(--muted);
  font-size: 1.0625rem;
}
.contact-details-content { min-width: 0; }
.contact-channel-list {
  border-top: 1px solid #cbd5e1;
}
.contact-channel {
  display: grid;
  grid-template-columns: 140px minmax(0, 1fr) 180px;
  gap: 20px;
  align-items: center;
  min-height: 88px;
  padding: 20px 0;
  border-bottom: 1px solid #cbd5e1;
}
.contact-channel h3 {
  display: flex;
  gap: 9px;
  align-items: center;
  font-size: 1rem;
}
.contact-channel-icon {
  width: 18px;
  height: 18px;
  flex: 0 0 18px;
  color: var(--green);
}
.contact-channel p,
.contact-channel-value {
  margin: 0;
  color: var(--ink);
  font-size: clamp(1.0625rem, 1.5vw, 1.25rem);
  font-weight: 750;
  line-height: 1.45;
}
.contact-channel-value {
  justify-self: start;
  text-decoration-color: rgba(16, 35, 63, 0.35);
  text-underline-offset: 4px;
}
.contact-channel-action {
  display: inline-flex;
  gap: 8px;
  align-items: center;
  justify-content: flex-end;
  min-height: 44px;
  color: var(--blue);
  font-weight: 800;
  text-underline-offset: 4px;
}
.contact-channel-action::after { content: "\2192"; }
.contact-facts {
  display: grid;
  grid-template-columns: minmax(180px, 0.72fr) minmax(260px, 1.28fr);
  margin: 30px 0 0;
  padding: 0;
  border-top: 1px solid #cbd5e1;
  border-bottom: 1px solid #cbd5e1;
}
.contact-facts > div {
  min-width: 0;
  padding: 22px 24px 22px 0;
}
.contact-facts > div + div {
  padding-left: 28px;
  border-left: 1px solid #cbd5e1;
}
.contact-facts dt {
  color: var(--green);
  font-size: 0.875rem;
  font-weight: 850;
  line-height: 1.4;
  text-transform: uppercase;
}
.contact-facts dd {
  margin: 9px 0 0;
  color: var(--ink);
  font-weight: 700;
  line-height: 1.55;
}
.contact-facts address { font-style: normal; }
.review-submit-hero {
  display: grid;
  grid-template-columns: minmax(0, 0.82fr) minmax(480px, 1.18fr);
  gap: clamp(40px, 7vw, 100px);
  align-items: center;
  padding: clamp(48px, 7vw, 92px) clamp(18px, 5vw, 72px);
  background: #f4f7fb;
}
.review-submit-copy { max-width: 610px; }
.review-trust-list {
  display: grid;
  gap: 12px;
  margin: 32px 0 0;
  padding: 0;
  color: var(--ink);
  list-style: none;
}
.review-trust-list li {
  position: relative;
  padding-left: 28px;
  line-height: 1.55;
}
.review-trust-list li::before {
  position: absolute;
  top: 0;
  left: 0;
  color: var(--green);
  font-weight: 900;
  content: "\2713";
}
.review-form-panel {
  padding: clamp(22px, 3vw, 34px);
  border: 1px solid var(--line);
  border-radius: 8px;
  background: white;
  box-shadow: var(--shadow);
}
.review-form-panel h2 { margin-bottom: 24px; }
.review-form { display: grid; gap: 13px; }
.review-form textarea { min-height: 170px; }
.rating-fieldset {
  min-width: 0;
  margin: 2px 0 4px;
  padding: 0;
  border: 0;
}
.rating-fieldset legend {
  margin-bottom: 9px;
  font-weight: 700;
  line-height: 1.4;
}
.rating-options {
  display: grid;
  grid-template-columns: repeat(5, minmax(48px, 1fr));
  gap: 8px;
}
.rating-option { position: relative; cursor: pointer; }
.rating-option input {
  position: absolute;
  width: 1px;
  min-height: 1px;
  opacity: 0;
}
.rating-option > span {
  display: flex;
  gap: 6px;
  align-items: center;
  justify-content: center;
  min-height: 52px;
  border: 1px solid #c7d0dc;
  border-radius: 8px;
  background: white;
  color: #8c671e;
  font-size: 1.375rem;
  font-weight: 800;
}
.rating-option small { color: var(--ink); font-size: 0.875rem; }
.rating-option input:checked + span {
  border-color: #b86a00;
  background: #fff3d9;
  color: #c66f00;
  box-shadow: 0 0 0 1px #b86a00;
}
.rating-option input:focus-visible + span {
  outline: 2px solid #126bff;
  outline-offset: 2px;
}
.review-consent {
  grid-template-columns: 20px minmax(0, 1fr);
  gap: 11px;
  align-items: start;
  margin-top: 4px;
  font-weight: 600;
}
.review-consent input {
  width: 20px;
  min-height: 20px;
  margin: 2px 0 0;
}
.icon {
  display: grid;
  width: max-content;
  min-width: 48px;
  max-width: 100%;
  height: 48px;
  place-items: center;
  border-radius: 8px;
  padding: 0 12px;
  background: rgba(31, 94, 255, 0.12);
  color: var(--blue);
  font-size: 1rem;
  font-weight: 800;
  line-height: 1;
  white-space: nowrap;
}
.icon.accent { background: rgba(217, 141, 25, 0.14); color: var(--amber); }
.icon.green { background: rgba(31, 138, 104, 0.14); color: var(--green); }
.icon.red { background: rgba(189, 63, 54, 0.12); color: var(--red); }
.steps { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 12px; margin: 0; padding: 0; list-style: none; }
.steps li { min-height: 190px; padding: 20px; border: 1px solid rgba(255, 255, 255, 0.16); border-radius: 8px; }
.steps span { display: block; margin-bottom: 24px; color: #8fb1ff; font-size: 1rem; font-weight: 800; line-height: 1.25; letter-spacing: 0.04em; }
.process-band.process-band-featured {
  grid-template-columns: minmax(0, 1.4fr) minmax(320px, 0.8fr);
  align-items: stretch;
}
.process-band-featured .process-intro {
  align-self: center;
  max-width: 760px;
}
.process-highlight,
.brokerage-cost-banner {
  align-self: stretch;
  padding: clamp(22px, 3vw, 30px);
  border: 1px solid rgba(23, 120, 90, 0.28);
  border-radius: 8px;
  background: #edf8f4;
  color: var(--ink);
}
.process-highlight .eyebrow,
.brokerage-cost-banner .eyebrow { margin-bottom: 10px; color: var(--green); }
.process-highlight h3,
.brokerage-cost-banner h3 { max-width: 520px; font-size: clamp(1.375rem, 1.8vw, 1.75rem); }
.process-highlight p,
.brokerage-cost-banner p { margin: 14px 0 0; color: #4b5d70; }
.brokerage-cost-banner .cost-disclaimer {
  margin-top: 18px;
  padding-top: 16px;
  border-top: 1px solid rgba(23, 120, 90, 0.2);
  font-size: 1rem;
}
.process-band-featured .steps {
  grid-column: 1 / -1;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}
.process-band-featured .steps li {
  display: grid;
  grid-template-columns: 44px minmax(0, 1fr);
  column-gap: 18px;
  align-content: start;
  min-height: 0;
  padding: clamp(24px, 3vw, 32px);
}
.process-band-featured .steps span {
  grid-row: 1 / 3;
  margin: 3px 0 0;
}
.process-band-featured .steps p { margin: 10px 0 0; }
.testimonials-preview { background: #f4f7fb; }
.testimonials-preview .section-heading { margin-bottom: 24px; }
.testimonials-demo-notice {
  max-width: 780px;
  margin: 16px 0 0;
  padding: 0;
  border: 0;
  background: transparent;
  color: var(--muted);
  font-size: 0.8125rem;
  line-height: 1.55;
}
.testimonial-grid {
  display: grid;
  grid-auto-columns: calc((100% - 72px) / 3);
  grid-auto-flow: column;
  gap: 36px;
  overflow-x: auto;
  padding: 4px 2px 20px;
  scroll-behavior: smooth;
  scroll-snap-type: x mandatory;
  scrollbar-width: thin;
  scrollbar-color: #aeb9c7 transparent;
}
.testimonial-grid[data-review-count="1"] { grid-auto-columns: minmax(0, 720px); }
.testimonial-grid[data-review-count="2"] { grid-auto-columns: calc((100% - 36px) / 2); }
.testimonial-card {
  display: flex;
  min-width: 0;
  min-height: 300px;
  flex-direction: column;
  margin: 0;
  padding: clamp(22px, 2.5vw, 28px);
  border: 0;
  border-radius: 8px;
  background: var(--surface);
  box-shadow: none;
  scroll-snap-align: start;
}
.testimonial-aggregate {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 16px;
  align-items: center;
  margin: 8px 0 18px;
  padding: 0;
  border-radius: 0;
  background: transparent;
  color: #69532f;
}
.testimonial-aggregate-label {
  width: 100%;
  color: var(--muted);
  font-size: 0.8125rem;
  font-weight: 750;
  text-align: left;
  text-transform: uppercase;
}
.testimonial-aggregate .testimonial-stars { font-size: clamp(1.375rem, 2.4vw, 1.75rem); }
.testimonial-aggregate strong { color: var(--ink); font-size: clamp(1.75rem, 3vw, 2.25rem); line-height: 1; }
.testimonial-aggregate > span:last-child { font-size: 1rem; font-weight: 700; }
.testimonial-disclaimer {
  max-width: 760px;
  margin: -10px 0 24px;
  color: var(--muted);
  font-size: 0.875rem;
  line-height: 1.55;
}
.testimonial-rating { display: flex; gap: 12px; align-items: center; margin-bottom: 22px; }
.testimonial-rating strong { color: var(--ink); font-size: 0.9375rem; }
.testimonial-stars { color: #d57800; font-size: 1.25rem; line-height: 1; letter-spacing: 0; }
.testimonial-title { margin: 0 0 14px; font-size: 1.125rem; line-height: 1.4; }
.testimonial-card blockquote {
  flex: 1;
  padding: 0;
  border: 0;
  border-radius: 0;
  background: transparent;
}
.testimonial-card blockquote p { margin: 0; white-space: pre-line; font-size: 1.0625rem; line-height: 1.65; }
.testimonial-quote-preview {
  position: relative;
  max-height: 17rem;
  overflow: hidden;
  overflow: clip;
}
.testimonial-quote-preview.is-truncated { padding-bottom: 46px; }
.testimonial-quote-preview.is-truncated::after {
  position: absolute;
  z-index: 1;
  right: 0;
  bottom: 0;
  left: 0;
  height: 96px;
  background: linear-gradient(to bottom, rgba(255, 255, 255, 0), var(--surface) 68%);
  content: "";
  pointer-events: none;
}
.testimonial-read-more {
  position: absolute;
  z-index: 2;
  bottom: 4px;
  left: 0;
  min-height: 40px;
  padding: 6px 2px;
  border: 0;
  background: transparent;
  color: var(--blue);
  cursor: pointer;
  font: inherit;
  font-weight: 800;
  text-decoration: underline;
  text-decoration-thickness: 2px;
  text-underline-offset: 4px;
}
.testimonial-read-more:hover { color: #0f3eae; }
.testimonial-read-more:focus-visible { outline: 3px solid #126bff; outline-offset: 3px; }
.testimonial-meta { display: grid; gap: 4px; margin-top: 24px; color: var(--muted); font-size: 0.875rem; font-style: normal; line-height: 1.4; }
.testimonial-author { margin: 0; color: var(--ink); font-size: 1rem; font-weight: 850; }
.testimonial-service { color: #45566b; font-weight: 700; }
.testimonial-slider-controls { display: flex; justify-content: flex-end; gap: 10px; margin: 0 0 12px; }
.testimonial-slider-button {
  display: grid;
  width: 46px;
  min-height: 46px;
  place-items: center;
  border: 1px solid #b7c1ce;
  border-radius: 50%;
  background: var(--surface);
  color: var(--ink);
  cursor: pointer;
  font: inherit;
  font-size: 1.25rem;
  font-weight: 800;
}
.testimonial-slider-button:hover { border-color: var(--blue); color: var(--blue); }
.testimonial-slider-button:disabled { cursor: not-allowed; opacity: 0.4; }
.testimonials-empty { color: var(--muted); }
.service-reviews-empty { background: #f4f7fb; }
.service-reviews-heading {
  margin-bottom: clamp(32px, 5vw, 52px);
}
.service-reviews-heading h2 { max-width: 760px; margin-bottom: 0; }
.service-review-summary {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 14px;
  align-items: center;
  justify-content: flex-start;
  margin-top: 22px;
  color: var(--muted);
}
.service-review-summary-label {
  width: 100%;
  color: var(--muted);
  font-size: 0.8125rem;
  font-weight: 750;
  text-align: left;
  text-transform: uppercase;
}
.service-review-stars {
  color: #d57800;
  font-size: clamp(1.5rem, 2.5vw, 1.9rem);
  line-height: 1;
  letter-spacing: 0;
}
.service-review-summary strong { color: var(--ink); font-size: 1rem; }
.service-review-empty-state {
  display: grid;
  grid-template-columns: minmax(0, 620px);
  gap: 18px;
  align-items: center;
  justify-content: center;
  padding: clamp(34px, 5vw, 56px) 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  text-align: center;
}
.service-review-empty-state img {
  width: 164px;
  height: 128px;
  object-fit: cover;
  object-position: center;
  justify-self: center;
  filter: saturate(1.55) contrast(1.08);
  mix-blend-mode: multiply;
}
.service-review-empty-state h3 {
  margin-bottom: 10px;
  font-size: clamp(1.75rem, 3vw, 2.25rem);
}
.service-review-empty-state p { margin: 0 0 24px; }
.service-review-empty-state .btn { width: fit-content; margin-inline: auto; }
.has-open-modal { overflow: hidden; }
.review-modal {
  width: min(720px, calc(100% - 32px));
  max-width: none;
  max-height: calc(100dvh - 32px);
  padding: 0;
  overflow: auto;
  border: 0;
  border-radius: 8px;
  background: var(--surface);
  color: var(--ink);
  box-shadow: 0 24px 80px rgba(16, 38, 66, 0.28);
}
.review-modal::backdrop { background: rgba(16, 38, 66, 0.66); }
.review-modal-panel { padding: clamp(24px, 5vw, 44px); }
.review-modal-header {
  display: flex;
  gap: 24px;
  align-items: flex-start;
  justify-content: space-between;
  padding-bottom: 22px;
  border-bottom: 1px solid var(--line);
}
.review-modal-header h2 { margin: 6px 0 0; font-size: clamp(1.5rem, 4vw, 2rem); }
.review-modal-top-close {
  display: inline-flex;
  min-width: 118px;
  min-height: 48px;
  gap: 8px;
  align-items: center;
  justify-content: center;
  padding: 8px 14px;
  border: 1px solid #aeb9c7;
  border-radius: 6px;
  background: var(--surface);
  color: var(--ink);
  cursor: pointer;
  font: inherit;
  font-weight: 800;
}
.review-modal-top-close span:first-child { font-size: 1.75rem; font-weight: 500; line-height: 1; }
.review-modal-top-close:hover { border-color: var(--blue); color: var(--blue); }
.review-modal-rating { display: flex; gap: 12px; align-items: center; margin: 26px 0 20px; }
.review-modal-rating .testimonial-stars { font-size: 1.5rem; }
.review-modal-body { margin: 0; white-space: pre-line; font-size: 1.125rem; line-height: 1.75; }
.review-modal-footer {
  display: flex;
  gap: 24px;
  align-items: flex-end;
  justify-content: space-between;
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid var(--line);
}
.review-modal-meta { margin-top: 0; }
.review-modal-footer-close { width: auto; flex: 0 0 auto; cursor: pointer; }
.review-modal button:focus-visible { outline: 3px solid #126bff; outline-offset: 3px; }
.split { display: grid; grid-template-columns: minmax(0, 0.9fr) minmax(320px, 1.1fr); gap: clamp(24px, 5vw, 64px); align-items: start; }
.review-list, .faq { display: grid; gap: 14px; }
.faq-groups {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: clamp(28px, 5vw, 64px);
  align-items: start;
}
.faq-group { min-width: 0; }
.faq-group > h3 { margin: 0 0 16px; }
blockquote { margin: 0; padding: 22px; }
blockquote p { margin-top: 0; color: var(--ink); font-size: 1.125rem; line-height: 1.65; }
cite { color: var(--muted); font-style: normal; font-weight: 700; line-height: 1.5; }
details { padding: 16px 18px; }
summary { cursor: pointer; font-weight: 800; line-height: 1.45; }
.site-footer {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  background: #101f33;
  color: white;
}
.footer-main {
  display: grid;
  grid-template-columns: minmax(260px, 1.35fr) minmax(180px, 1fr) minmax(180px, 0.9fr) minmax(150px, 0.72fr);
  gap: clamp(36px, 5vw, 76px);
  padding: clamp(48px, 6vw, 76px) clamp(18px, 5vw, 72px);
}
.footer-brand-column { max-width: 420px; }
.footer-brand {
  display: inline-flex;
  gap: 13px;
  align-items: center;
  color: white;
}
.footer-brand .brand-mark { background: white; color: var(--ink); }
.footer-brand strong,
.footer-brand small { display: block; }
.footer-brand strong { font-size: 1.125rem; }
.footer-brand small {
  margin-top: 2px;
  color: rgba(255, 255, 255, 0.68);
  font-size: 0.8125rem;
  line-height: 1.4;
}
.site-footer .footer-description {
  max-width: 390px;
  margin: 24px 0 0;
  color: rgba(255, 255, 255, 0.72);
  line-height: 1.7;
}
.footer-contact-details {
  display: grid;
  gap: 8px;
  margin-top: 22px;
  font-size: 0.9375rem;
}
.site-footer .footer-contact-details p,
.site-footer .footer-contact-details address {
  margin: 0;
  color: rgba(255, 255, 255, 0.76);
  font-style: normal;
  line-height: 1.55;
}
.footer-contact-details strong { color: white; }
.footer-contact-details a {
  color: white;
  font-weight: 750;
  text-decoration: underline;
  text-decoration-thickness: 1px;
  text-underline-offset: 3px;
}
.footer-contact-details a:hover { color: #b9d0ff; }
.footer-column h2 {
  margin-bottom: 18px;
  color: white;
  font-size: 1rem;
  line-height: 1.4;
}
.footer-column a,
.footer-column .footer-link-button {
  display: block;
  width: fit-content;
  margin: 11px 0;
  color: rgba(255, 255, 255, 0.72);
  line-height: 1.45;
  text-align: left;
  text-decoration: none;
}
.footer-column a:hover,
.footer-column .footer-link-button:hover { color: white; }
.footer-bottom {
  display: flex;
  gap: 28px;
  align-items: center;
  justify-content: space-between;
  padding: 22px clamp(18px, 5vw, 72px);
  border-top: 1px solid rgba(255, 255, 255, 0.14);
}
.site-footer .footer-bottom p {
  margin: 0;
  color: rgba(255, 255, 255, 0.64);
  font-size: 0.875rem;
}
.footer-legal-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  align-items: center;
}
.footer-legal-badges a {
  display: block;
  border-radius: 6px;
}
.footer-legal-badges img {
  display: block;
  width: auto;
  height: 50px;
  max-width: 100%;
  object-fit: contain;
}
.footer-links { display: flex; flex-wrap: wrap; gap: 16px; color: var(--muted); }
.footer-link-button, .text-button {
  border: 0;
  padding: 0;
  background: transparent;
  color: inherit;
  font: inherit;
  cursor: pointer;
  text-decoration: underline;
  text-underline-offset: 3px;
}
.footer-link-button:hover, .text-button:hover { color: var(--blue); }
.content-grid.two { grid-template-columns: repeat(2, minmax(0, 1fr)); }

.cookie-banner {
  position: fixed;
  right: 18px;
  bottom: 18px;
  left: 18px;
  z-index: 100;
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  max-width: 1120px;
  gap: 24px;
  align-items: center;
  margin: 0 auto;
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--surface);
  box-shadow: 0 20px 60px rgba(21, 32, 51, 0.2);
}
.cookie-banner[hidden], .cookie-modal-backdrop[hidden] { display: none; }
.cookie-banner h2, .cookie-modal h2 { font-size: 1.5rem; letter-spacing: 0; }
.cookie-banner p, .cookie-modal p { margin: 6px 0; color: var(--muted); }
.cookie-banner a { color: var(--blue); text-decoration: underline; text-underline-offset: 3px; }
.cookie-actions { display: flex; flex-wrap: wrap; gap: 10px; align-items: center; }
.cookie-banner .cookie-actions { justify-content: flex-end; }
.cookie-modal-backdrop {
  position: fixed;
  inset: 0;
  z-index: 110;
  display: grid;
  place-items: center;
  padding: 18px;
  background: rgba(21, 32, 51, 0.62);
}
.cookie-modal {
  width: min(620px, 100%);
  max-height: calc(100svh - 36px);
  overflow: auto;
  padding: clamp(20px, 4vw, 30px);
  border-radius: 8px;
  background: var(--surface);
  box-shadow: var(--shadow);
}
.cookie-option {
  display: grid;
  grid-template-columns: 22px minmax(0, 1fr);
  gap: 12px;
  align-items: start;
  margin: 16px 0;
  padding: 14px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fbfcff;
}
.cookie-option input { width: 20px; min-height: 20px; margin: 3px 0 0; }
.cookie-option strong, .cookie-option small { display: block; }
.cookie-option small { margin-top: 3px; color: var(--muted); font-weight: 400; line-height: 1.45; }
.cookie-modal .cookie-actions { margin-top: 22px; }

@media (min-width: 981px) and (max-width: 1180px) {
  .site-header { gap: 16px; padding-right: 24px; padding-left: 24px; }
  .brand { min-width: 160px; }
  .brand small { display: none; }
  .site-nav { gap: 14px; font-size: 0.9375rem; }
}

@media (max-width: 980px) {
  .site-header { grid-template-columns: auto auto; }
  .site-nav, .header-cta { display: none; }
  .nav-toggle { display: inline-block; justify-self: end; }
  .site-nav.is-open {
    display: grid;
    grid-column: 1 / -1;
    width: 100%;
    max-height: calc(100svh - 92px);
    justify-content: stretch;
    gap: 4px;
    margin-top: 4px;
    padding: 8px;
    overflow-y: auto;
    border: 1px solid var(--line);
    border-radius: 8px;
    background: white;
    box-shadow: 0 14px 30px rgba(18, 35, 62, 0.12);
  }
  .site-nav.is-open > a,
  .nav-dropdown-toggle {
    width: 100%;
    min-height: 48px;
    justify-content: space-between;
    padding: 12px 14px;
    border: 0;
    border-radius: 6px;
    color: var(--ink);
    text-align: left;
  }
  .site-nav.is-open > a:hover,
  .site-nav.is-open > a:focus-visible,
  .nav-dropdown-toggle:hover,
  .nav-dropdown-toggle:focus-visible {
    background: #f1f6ff;
    color: var(--blue);
  }
  .dropdown-menu {
    position: static;
    width: 100%;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 8px;
    margin-top: 2px;
    padding: 8px;
    border: 1px solid #e4e9f0;
    border-radius: 6px;
    background: #f8fafc;
    box-shadow: none;
    transform: none;
  }
  .dropdown-menu-single { grid-template-columns: 1fr; }
  .dropdown-label { padding: 8px 10px 6px; }
  .dropdown-menu a {
    display: flex;
    min-height: 44px;
    align-items: center;
    padding: 10px 12px;
    border: 0;
    border-radius: 6px;
  }
  .dropdown-menu a:hover,
  .dropdown-menu a:focus-visible { background: white; }
  .hero, .page-hero, .lead-band, .process-band, .split { grid-template-columns: 1fr; }
  .page-hero .mini-form {
    width: min(100%, 520px);
    justify-self: center;
  }
  .process-band.process-band-featured { grid-template-columns: 1fr; }
  .service-grid, .steps, .content-grid, .content-grid.two { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .testimonial-grid { grid-auto-columns: calc((100% - 24px) / 2); gap: 24px; }
  .service-review-summary { justify-content: flex-start; }
  .content-grid.credit-types { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .partner-logos { grid-template-columns: repeat(4, minmax(110px, 1fr)); }
  .contact-details-band { grid-template-columns: 1fr; gap: 36px; }
  .contact-details-intro { max-width: 720px; }
  .footer-main { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .review-submit-hero { grid-template-columns: 1fr; }
  .review-submit-copy { max-width: 720px; }
}

@media (max-width: 640px) {
  .brand { min-width: 0; }
  .brand small { display: none; }
  .hero { min-height: auto; }
  .hero-actions, .site-footer, .footer-links { align-items: stretch; flex-direction: column; }
  .btn, .header-cta { width: 100%; }
  .hero-affiliation-line { gap: 4px 8px; }
  .trust-strip, .panel-list, .lead-form, .service-grid, .steps, .content-grid, .content-grid.two { grid-template-columns: 1fr; }
  .process-band-featured .steps { grid-template-columns: 1fr; }
  .testimonial-grid { grid-auto-columns: 88%; gap: 16px; }
  .testimonial-aggregate { align-items: baseline; }
  .testimonial-aggregate > span:last-child { width: 100%; }
  .testimonial-card { min-height: 0; padding: 22px; }
  .testimonial-quote-preview { max-height: 15rem; }
  .testimonial-slider-controls { justify-content: flex-start; }
  .review-modal { width: calc(100% - 20px); max-height: calc(100dvh - 20px); }
  .review-modal-panel { padding: 22px; }
  .review-modal-header { align-items: center; }
  .review-modal-top-close { min-width: 48px; width: 48px; padding: 0; }
  .review-modal-top-close span:last-child { position: absolute; width: 1px; height: 1px; overflow: hidden; clip-path: inset(50%); }
  .review-modal-footer { align-items: stretch; flex-direction: column; }
  .review-modal-footer-close { width: 100%; }
  .faq-groups { grid-template-columns: 1fr; }
  .service-review-empty-state .btn { width: 100%; }
  .process-band-featured .steps li { grid-template-columns: 38px minmax(0, 1fr); column-gap: 14px; padding: 22px; }
  .content-grid.credit-types { grid-template-columns: 1fr; }
  .partner-logos { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .dropdown-menu { grid-template-columns: 1fr; }
  .trust-strip div { border-right: 0; border-bottom: 1px solid var(--line); }
  .trust-strip div:last-child { border-bottom: 0; }
  .cookie-banner { grid-template-columns: 1fr; max-height: calc(100svh - 24px); overflow: auto; }
  .cookie-banner .cookie-actions, .cookie-modal .cookie-actions { align-items: stretch; flex-direction: column; }
  .cookie-banner .btn, .cookie-modal .btn { width: 100%; }
  .contact-channel {
    grid-template-columns: minmax(0, 1fr) 140px;
    gap: 7px 16px;
    padding: 20px 0;
  }
  .contact-channel h3 { grid-column: 1 / -1; color: var(--muted); }
  .contact-channel p { font-size: 1.0625rem; }
  .contact-channel-action { min-height: 40px; text-align: right; }
  .contact-facts { grid-template-columns: 1fr; }
  .contact-facts > div { padding: 20px 0; }
  .contact-facts > div + div {
    padding-left: 0;
    border-top: 1px solid #cbd5e1;
    border-left: 0;
  }
  .footer-main { grid-template-columns: 1fr; gap: 34px; }
  .footer-brand-column { max-width: none; }
  .footer-bottom { align-items: flex-start; flex-direction: column-reverse; }
  .footer-legal-badges { align-items: flex-start; flex-direction: column; }
  .footer-legal-badges img { height: 46px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { scroll-behavior: auto !important; transition-duration: 0.01ms !important; }
}