/* =========================================
   WAM — We Are Mortgages
   Brand Colours:
   DREAMER (Primary):  #1c2543
   LACE (Secondary):   #f5ede3
   STONE (Accent):     #c1b7aa
   ROMAN (Accent):     #a2867a
   Font: Poppins
   ========================================= */

@import url('https://fonts.googleapis.com/css2?family=Poppins:ital,wght@0,100;0,200;0,300;0,400;0,500;0,600;0,700;1,300;1,400;1,600&display=swap');

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --dreamer: #1c2543;
  --dreamer-dark: #141c35;
  --lace: #f5ede3;
  --stone: #c1b7aa;
  --roman: #a2867a;
  --white: #ffffff;
  --text-dark: #1c2543;
  --text-mid: #4a5068;
  --text-light: #8891a8;
  --border: #e8e2db;
  --font: 'Poppins', sans-serif;
  --nav-h: 90px;
  --max-w: 1280px;
  --radius: 4px;
  --transition: 0.25s ease;
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  font-size: 15px;
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { cursor: pointer; font-family: var(--font); border: none; background: none; }
.table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; }

/* ---- UTILITY ---- */
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 40px; }
.section { padding: 80px 0; }
.section-sm { padding: 48px 0; }
.text-center { text-align: center; }

/* ---- TYPOGRAPHY ---- */
.display {
  font-size: clamp(48px, 6vw, 90px);
  font-weight: 200;
  line-height: 1.05;
  letter-spacing: -0.02em;
}
.display em { font-style: italic; font-weight: 300; color: var(--roman); }

h1 { font-size: clamp(32px, 4vw, 54px); font-weight: 300; line-height: 1.15; }
h2 { font-size: clamp(26px, 3vw, 40px); font-weight: 300; line-height: 1.2; }
h3 { font-size: clamp(18px, 2vw, 24px); font-weight: 500; line-height: 1.3; }
h4 { font-size: 16px; font-weight: 600; }
p { font-size: 15px; line-height: 1.7; color: var(--text-mid); }
.lead { font-size: 18px; font-weight: 300; line-height: 1.6; }

/* ---- BUTTONS ---- */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 12px 28px; font-size: 14px; font-weight: 500;
  border-radius: var(--radius); transition: var(--transition);
  letter-spacing: 0.02em;
  min-height: 44px; /* Touch target minimum */
}
.btn-primary { background: var(--dreamer); color: #ffffff !important; }
.btn-primary:hover { background: var(--dreamer-dark); color: #ffffff !important; }
.btn-outline { border: 1.5px solid var(--dreamer); color: var(--dreamer); }
.btn-outline:hover { background: var(--dreamer); color: var(--white); }
.btn-outline-white { border: 1.5px solid var(--white); color: var(--white); }
.btn-outline-white:hover { background: var(--white); color: var(--dreamer); }
.btn-roman { background: var(--roman); color: #ffffff !important; }
.btn-roman:hover { background: #8f7469; color: #ffffff !important; }

/* Hide "coming soon" Client Portal CTA across site */
a[onclick^="showComingSoon"] { display: none !important; }

/* ---- VERTICAL RATE STRIP ---- */
.rate-strip {
  background: var(--dreamer);
  color: rgba(255,255,255,0.85);
  font-size: 12px;
  font-weight: 400;
  letter-spacing: 0.04em;
  padding: 9px 20px;
  text-align: center;
  width: 100%;
  max-height: 38px;
  overflow: hidden;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 24px;
  flex-wrap: nowrap;
  white-space: nowrap;
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1002;
  flex-shrink: 0;
}
.rate-strip strong {
  color: white;
  font-weight: 600;
}

/* ---- HEADER / NAV ---- */
.site-header {
  position: fixed;
  top: 38px;
  left: 0;
  right: 0;
  z-index: 1000;
  background: var(--lace);
  border-bottom: 1px solid var(--border);
  transition: background 0.3s, backdrop-filter 0.3s;
  height: var(--nav-h);
}
.nav-inner {
  display: flex; align-items: center; justify-content: space-between;
  height: 100%; max-width: var(--max-w); margin: 0 auto; padding: 0 24px;
}
.nav-logo { flex-shrink: 0; display: flex; align-items: center; }
.nav-logo img { height: 56px !important; width: auto !important; max-width: none !important; display: block; }
.nav-links { display: flex; align-items: center; gap: 4px; }
.nav-item { position: relative; }
.nav-link {
  display: flex; align-items: center; gap: 4px;
  font-size: 13px; font-weight: 400; color: var(--dreamer);
  padding: 8px 10px; border-radius: var(--radius);
  transition: var(--transition); white-space: nowrap;
}
.nav-link:hover, .nav-link.active { background: rgba(28,37,67,0.08); }
.nav-link svg { width: 14px; height: 14px; transition: transform 0.2s; }
.nav-item:hover .nav-link svg { transform: rotate(180deg); }

.nav-right { display: flex; align-items: center; gap: 8px; flex-shrink: 0; }
.nav-phone { font-size: 13px; font-weight: 600; color: var(--dreamer); white-space: nowrap; }
.nav-phone:hover { color: var(--roman); }

/* ---- MEGA MENU WIDE (6-col, for Mortgage Hub) ---- */
.mega-menu-wide {
  min-width: min(1100px, 94vw);
  grid-template-columns: repeat(6, 1fr);
}
.mega-link-more {
  color: var(--roman, #a2867a) !important;
  font-weight: 600 !important;
  font-size: 12px !important;
  margin-top: 6px;
  border-top: 1px solid #f0e9e0;
  padding-top: 8px !important;
}
.mega-link-more:hover { opacity: 0.8; }

/* ---- MEGA MENU ---- */
.mega-menu {
  position: absolute; top: 100%; left: 50%; transform: translateX(-50%);
  background: var(--white); border: 1px solid var(--border); border-radius: 8px;
  box-shadow: 0 20px 60px rgba(28,37,67,0.15); padding: 40px 32px 32px;
  display: none; min-width: 640px; z-index: 1100;
  /* Invisible top padding bridges the gap between nav link and menu */
  margin-top: 0;
}
/* Bridge pseudo-element fills the gap so hover isn't broken mid-travel */
.nav-item::after {
  content: ''; position: absolute;
  top: 100%; left: 0; right: 0; height: 8px;
  background: transparent;
}
.nav-item:hover .mega-menu { display: flex; gap: 32px; }
.mega-col { min-width: 160px; }
.mega-col-title {
  font-size: 11px; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--stone); margin-bottom: 12px; padding-bottom: 8px;
  border-bottom: 1px solid var(--border);
}
.mega-link {
  display: block; font-size: 14px; color: var(--text-mid); padding: 6px 0;
  transition: var(--transition);
}
.mega-link:hover { color: var(--dreamer); padding-left: 4px; }

/* ---- HERO ---- */
.hero {
  position: relative; min-height: calc(100vh - var(--nav-h));
  display: flex; align-items: center; overflow: hidden;
}
.hero-bg {
  position: absolute; inset: 0;
  background-size: cover; background-position: center;
}
.hero-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(105deg, rgba(28,37,67,0.88) 0%, rgba(28,37,67,0.6) 60%, rgba(28,37,67,0.3) 100%);
}
.hero-content { position: relative; z-index: 2; max-width: 700px; color: var(--white); }
.hero-content .display { color: var(--white); margin-bottom: 24px; }
.hero-content p { color: rgba(255,255,255,0.8); font-size: 17px; margin-bottom: 36px; max-width: 500px; }
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; }

/* ---- SECTION LABELS ---- */
.section-label {
  font-size: 11px; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--roman); margin-bottom: 12px;
}

/* ---- CARDS ---- */
.card {
  background: var(--white); border: 1px solid var(--border);
  border-radius: 8px; padding: 28px; transition: var(--transition);
}
.card:hover { box-shadow: 0 8px 32px rgba(28,37,67,0.1); transform: translateY(-2px); }
.card-icon { width: 44px; height: 44px; margin-bottom: 16px; }

/* ---- GRID ---- */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

/* ---- BAND ---- */
.band-lace { background: var(--lace); }
.band-dreamer { background: var(--dreamer); color: var(--white); }
.band-dreamer h2, .band-dreamer h3, .band-dreamer .section-label { color: var(--white); }
.band-dreamer p { color: rgba(255,255,255,0.75); }

/* ---- REVIEWS STRIP ---- */
.reviews-strip {
  background: var(--dreamer); padding: 20px 0; overflow: hidden;
}
.reviews-track {
  display: flex; gap: 48px; align-items: center;
  animation: scroll-x 30s linear infinite; width: max-content;
}
.review-item { white-space: nowrap; color: var(--white); font-size: 13px; font-weight: 400; }
.review-stars { color: var(--roman); margin-right: 6px; }
@keyframes scroll-x { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* ---- STATS ---- */
.stat-value { font-size: 48px; font-weight: 200; color: var(--dreamer); line-height: 1; }
.stat-label { font-size: 14px; font-weight: 400; color: var(--text-mid); margin-top: 4px; }

/* ---- TEAM ---- */
.team-photo { border-radius: 6px; overflow: hidden; aspect-ratio: 3/4; }
.team-photo img { width: 100%; height: 100%; object-fit: cover; object-position: top; }
.team-name { font-size: 15px; font-weight: 600; margin-top: 12px; color: var(--dreamer); }
.team-role { font-size: 13px; color: var(--roman); }

/* ---- FOOTER ---- */
.footer {
  background: var(--dreamer); color: rgba(255,255,255,0.8);
  padding: 64px 0 0;
}
.footer-logo img { height: 55px !important; width: 186px !important; margin-bottom: 20px; }
.footer h4 { color: var(--white); margin-bottom: 16px; font-size: 13px; letter-spacing: 0.1em; text-transform: uppercase; }
.footer-link { display: block; font-size: 13px; color: rgba(255,255,255,0.65); margin-bottom: 8px; transition: var(--transition); }
.footer-link:hover { color: var(--white); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.12); margin-top: 48px;
  padding: 20px 0; font-size: 12px; color: rgba(255,255,255,0.45);
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 8px;
}
.footer-bottom a { color: rgba(255,255,255,0.6); transition: var(--transition); }
.footer-bottom a:hover { color: var(--white); }

/* ---- CALCULATOR STYLES ---- */
.calc-container { max-width: 760px; margin: 0 auto; }
.calc-step { display: none; }
.calc-step.active { display: block; }
.calc-progress { display: flex; gap: 8px; margin-bottom: 32px; }
.calc-pip {
  height: 4px; flex: 1; border-radius: 2px;
  background: rgba(255,255,255,0.2); transition: var(--transition);
}
.calc-pip.active { background: var(--roman); }
.calc-pip.done { background: rgba(255,255,255,0.6); }
.calc-option {
  display: block; padding: 16px 20px; border: 1.5px solid rgba(255,255,255,0.25);
  border-radius: 6px; margin-bottom: 10px; cursor: pointer; transition: var(--transition);
  font-size: 14px; color: rgba(255,255,255,0.8); background: rgba(255,255,255,0.05);
}
.calc-option:hover { border-color: var(--roman); color: var(--white); }
.calc-option.selected { border-color: var(--roman); background: rgba(162,134,122,0.2); color: var(--white); }
.calc-input-group { margin-bottom: 20px; }
.calc-input-group label { display: block; font-size: 13px; color: rgba(255,255,255,0.7); margin-bottom: 6px; }
.calc-input {
  width: 100%; padding: 14px 18px; background: rgba(255,255,255,0.08);
  border: 1.5px solid rgba(255,255,255,0.2); border-radius: 6px;
  color: var(--white); font-size: 16px; font-family: var(--font);
  transition: var(--transition);
}
.calc-input:focus { outline: none; border-color: var(--roman); background: rgba(255,255,255,0.12); }
.calc-result {
  background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2);
  border-radius: 8px; padding: 28px; text-align: center; margin-top: 24px;
}
.calc-result .amount { font-size: clamp(32px, 6vw, 52px); font-weight: 200; color: var(--white); }
.calc-result .amount-label { font-size: 14px; color: rgba(255,255,255,0.65); margin-top: 4px; }
.calc-tabs { display: flex; gap: 4px; background: rgba(255,255,255,0.08); padding: 4px; border-radius: 8px; margin-bottom: 32px; }
.calc-tab {
  flex: 1; padding: 10px; text-align: center; font-size: 13px; font-weight: 500;
  border-radius: 6px; cursor: pointer; color: rgba(255,255,255,0.65); transition: var(--transition);
  min-height: 44px; display: flex; align-items: center; justify-content: center;
}
.calc-tab.active { background: var(--roman); color: var(--white); }

/* ---- PORTAL STYLES ---- */
.portal-sidebar {
  width: 260px; min-height: 100vh; background: var(--dreamer);
  position: fixed; left: 0; top: 0; padding: 28px 20px;
  display: flex; flex-direction: column;
}
.portal-main { margin-left: 260px; min-height: 100vh; background: #f7f4f0; }
.portal-content { padding: 40px; }
.portal-nav-link {
  display: flex; align-items: center; gap: 12px;
  padding: 11px 14px; border-radius: 6px; font-size: 14px;
  color: rgba(255,255,255,0.7); transition: var(--transition); margin-bottom: 4px;
}
.portal-nav-link:hover { background: rgba(255,255,255,0.1); color: var(--white); }
.portal-nav-link.active { background: var(--roman); color: var(--white); }
.portal-nav-link svg { width: 18px; height: 18px; flex-shrink: 0; }
.portal-card {
  background: var(--white); border-radius: 8px; padding: 24px;
  border: 1px solid var(--border);
}
.status-badge {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 4px 10px; border-radius: 20px; font-size: 12px; font-weight: 500;
}
.status-badge.in-progress { background: #fef3cd; color: #856404; }
.status-badge.submitted { background: #d1ecf1; color: #0c5460; }
.status-badge.approved { background: #d4edda; color: #155724; }
.status-badge.pending { background: #f8d7da; color: #721c24; }

/* ---- UPLOAD ZONE ---- */
.upload-zone {
  border: 2px dashed var(--stone); border-radius: 8px; padding: 48px;
  text-align: center; cursor: pointer; transition: var(--transition);
  background: var(--lace);
}
.upload-zone:hover, .upload-zone.dragover { border-color: var(--dreamer); background: #ede7de; }

/* ---- TIMELINE ---- */
.timeline { position: relative; padding-left: 28px; }
.timeline::before { content: ''; position: absolute; left: 8px; top: 0; bottom: 0; width: 2px; background: var(--border); }
.timeline-item { position: relative; margin-bottom: 28px; }
.timeline-dot {
  position: absolute; left: -28px; top: 4px;
  width: 16px; height: 16px; border-radius: 50%;
  background: var(--roman); border: 3px solid var(--white); box-shadow: 0 0 0 2px var(--roman);
}
.timeline-dot.done { background: var(--dreamer); box-shadow: 0 0 0 2px var(--dreamer); }
.timeline-dot.pending-dot { background: var(--stone); box-shadow: 0 0 0 2px var(--stone); }

/* ---- MOBILE ---- */
.mob-menu-btn { display: none; flex-direction: column; gap: 5px; padding: 8px; cursor: pointer; min-width: 44px; min-height: 44px; align-items: center; justify-content: center; }
.mob-menu-btn span { display: block; width: 22px; height: 2px; background: var(--dreamer); border-radius: 2px; transition: var(--transition); }
.mob-nav { display: none; position: fixed; inset: 0; background: var(--lace); z-index: 1200; padding: 24px; overflow-y: auto; flex-direction: column; }
.mob-nav.open { display: flex; }
.mob-nav .nav-link { font-size: 20px; font-weight: 300; padding: 12px 0; border-bottom: 1px solid var(--border); min-height: 44px; display: flex; align-items: center; }

@media (max-width: 900px) {
  .nav-links { display: none; }
  .mob-menu-btn { display: flex; }
  .container { padding: 0 20px; }
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-2 { grid-template-columns: 1fr; }
  .section { padding: 56px 0; }
  .hero { min-height: 85vh; }
  .portal-sidebar { display: none; }
  .portal-main { margin-left: 0; }
  .portal-content { padding: 24px 16px; }
}
@media (max-width: 600px) {
  .grid-3, .grid-4 { grid-template-columns: 1fr; }
}

/* Screen-reader only — SEO H1 helper */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}

/* Translucent nav on scroll */
.site-header.scrolled {
  background: rgba(245, 237, 227, 0.92);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  box-shadow: 0 2px 16px rgba(28,37,67,0.08);
}

/* Body offset for fixed rate strip + nav */
body {
  padding-top: 128px;
}
@media (max-width: 768px) {
  body { padding-top: 128px; }
}


/* ── COMPREHENSIVE MOBILE IMPROVEMENTS ── */

/* ── 900px TABLET ── */
@media (max-width: 900px) {

  /* ── RATE STRIP ── */
  .rate-strip {
    font-size: 11px;
    gap: 12px;
    padding: 6px 12px;
    height: 38px;
    max-height: 38px;
    min-height: 38px;
    flex-wrap: nowrap;
    overflow: hidden;
    white-space: nowrap;
  }

  /* ── NAV: hide nav-right completely, show hamburger ── */
  .nav-right { display: none !important; }
  .nav-phone { display: none; }
  .mob-menu-btn { display: flex; }

  /* Body padding: 38px strip + 90px nav */
  body { padding-top: 128px; }

  /* Container: 16px sides minimum */
  .container { padding: 0 16px; }

  /* ── SECTION SPACING ── */
  .section { padding: 56px 0; }
  .section-sm { padding: 32px 0; }

  /* ── HERO ── */
  .hero { min-height: 85vh; }
  .hero-content p { font-size: 15px; }

  /* ── PAGE HERO (mortgage pages etc) ── */
  .page-hero { height: 300px !important; }
  .page-hero .display { font-size: clamp(26px, 6vw, 40px) !important; }

  /* ── MORTGAGE LAYOUT: single column ── */
  .mortgage-layout { grid-template-columns: 1fr !important; padding: 0 16px !important; }
  .sidebar-nav { display: none !important; }
  .mortgage-content { padding: 32px 0 !important; }

  /* ── ICON GRIDS on mortgage pages ── */
  .icon-grid { grid-template-columns: 1fr !important; }
  .icon-grid-2 { grid-template-columns: 1fr !important; }

  /* ── GRIDS ── */
  .grid-2 { grid-template-columns: 1fr; }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }

  /* ── STORY SECTION (about page) ── */
  .story-section { grid-template-columns: 1fr !important; }
  .story-img { max-height: 300px; overflow: hidden; }

  /* ── TEAM GRID (about page) ── */
  .team-grid { grid-template-columns: repeat(2, 1fr) !important; }

  /* ── VALUES / PRINCIPLES GRID (about page) ── */
  .values-grid { grid-template-columns: 1fr !important; }

  /* ── STAT CARDS ── */
  .stat-card { padding: 20px 12px; }

  /* ── FOOTER ── */
  .footer .grid-4 { grid-template-columns: 1fr 1fr !important; gap: 32px !important; }
  .footer-bottom { flex-direction: column; gap: 12px; text-align: center; }
  .footer-fee-statement { font-size: 11px !important; line-height: 1.75 !important; }

  /* ── CALC SIDEBAR: hidden on tablet ── */
  .calc-sidebar { display: none !important; }
  .calc-page-layout { grid-template-columns: 1fr !important; padding: 0 !important; }
  .calc-main { padding: 0 !important; width: 100% !important; min-width: 0 !important; max-width: 100% !important; }
  .calc-section { width: 100% !important; max-width: 100% !important; }
  .calc-mobile-nav { display: flex !important; }

  /* ── PORTAL ── */
  .portal-sidebar { display: none; }
  .portal-main { margin-left: 0; }
  .portal-content { padding: 24px 16px; }
}

/* ── 600px PHONE ── */
@media (max-width: 600px) {

  /* ── FOOTER LINKS: tap target padding ── */
  .footer-link { padding: 6px 0; display: block; }

  /* ── RATE STRIP: show only Base Rate, hide CPI and MPC ── */
  .rate-strip {
    gap: 0;
    font-size: 12px;
    height: 38px;
    max-height: 38px;
    min-height: 38px;
  }
  /* Hide CPI and MPC spans — they are the 3rd, 4th, 5th children (separators + data) */
  .rate-strip > span:nth-child(n+2) { display: none; }

  /* ── BODY OFFSET ── */
  body { padding-top: 128px; }

  /* ── GENERAL TEXT ── */
  p, li, span { font-size: 14px; }
  .lead { font-size: 16px; }
  h3 { font-size: 18px; }

  /* ── BUTTONS: full width when stacked ── */
  .hero-ctas { flex-direction: column; gap: 12px; }
  .hero-ctas .btn { width: 100%; justify-content: center; }

  /* ── HERO ── */
  .hero { min-height: 100svh; }
  .hero-content .display { font-size: clamp(36px, 9vw, 52px); }
  .hero-content p { font-size: 14px; margin-bottom: 28px; }

  /* ── PAGE HERO ── */
  .page-hero { height: 300px !important; }
  .page-hero .display { font-size: clamp(24px, 7vw, 36px) !important; }

  /* ── GRIDS: all single column on phone ── */
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }

  /* ── SERVICES SECTION: inline grid → single col ── */
  .services-layout { grid-template-columns: 1fr !important; gap: 32px !important; }
  .services-cards-grid { grid-template-columns: 1fr 1fr !important; }

  /* ── CALCULATOR CTA SECTION ── */
  .calc-cta-layout { grid-template-columns: 1fr !important; gap: 32px !important; }
  .calc-cta-list a {
    padding: 14px 16px !important;
    font-size: 14px !important;
  }

  /* ── CALC CARD INNER: single column ── */
  .calc-card-inner { grid-template-columns: 1fr !important; }
  .calc-inputs { border-right: none !important; border-bottom: 1px solid rgba(255,255,255,0.08) !important; padding: 24px 16px !important; }
  .calc-results { padding: 24px 16px !important; }
  .calc-cta { padding: 16px !important; flex-direction: column !important; align-items: flex-start !important; }
  .btn-calc-cta { width: 100%; justify-content: center; }

  /* ── CALC HERO padding fix ── */
  .calc-hero { padding: 32px 0 40px; }
  .calc-container { padding: 0 16px !important; }
  .calc-section { padding: 48px 0 !important; }

  /* ── CALC MOBILE NAV: scrollable pills ── */
  .calc-mobile-nav {
    display: flex !important;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
    padding: 12px 16px;
    gap: 8px;
    margin: 0 -16px;
  }
  .calc-mobile-nav::-webkit-scrollbar { display: none; }
  .calc-mobile-nav a { white-space: nowrap; flex-shrink: 0; }

  /* ── TEAM SECTION: stack layout, full-width photo ── */
  .team-layout { grid-template-columns: 1fr !important; gap: 32px !important; }
  .team-sticky { position: static !important; }
  #teamCarousel { width: 100%; }
  .team-full-photo { margin-top: 24px !important; }

  /* ── REFER SECTION: image above, text below ── */
  .refer-layout { grid-template-columns: 1fr !important; gap: 24px !important; }
  .refer-image { height: 240px !important; }

  /* ── REVIEWS STRIP: single item visible ── */
  .reviews-strip { overflow-x: hidden; }

  /* ── TEAM GRID (about) ── */
  .team-grid { grid-template-columns: 1fr !important; }

  /* ── FOOTER: single column ── */
  .footer .grid-4 { grid-template-columns: 1fr !important; }
  .footer-bottom { flex-direction: column; gap: 12px; text-align: center; }
  .footer-fee-statement { font-size: 11px !important; line-height: 1.75 !important; }
  .footer-bottom p { font-size: 11px !important; line-height: 1.75 !important; }

  /* ── BOOKING GRID ── */
  .booking-grid { grid-template-columns: 1fr !important; }

  /* ── GENERAL: minimum padding everywhere ── */
  .container { padding: 0 16px; }

  /* ── PREVENT HORIZONTAL OVERFLOW ── */
  body, html { overflow-x: hidden; }
  img { max-width: 100%; height: auto; }
  table { width: 100%; table-layout: fixed; }

  /* ── CARD MIN SIZE ── */
  .card { padding: 20px 16px; }

  /* ── BTN: sensible sizing + touch target ── */
  .btn { font-size: 14px; min-height: 44px; }

  /* ── INPUT TOUCH TARGETS: 44px min-height, 16px font to prevent iOS zoom ── */
  input[type="text"],
  input[type="number"],
  input[type="tel"],
  input[type="email"],
  input[type="search"],
  input[type="password"],
  select,
  textarea {
    font-size: 16px !important;
    min-height: 44px;
  }
  textarea { min-height: 80px; }

  /* ── ICON GRID on mortgage pages ── */
  .icon-grid { grid-template-columns: 1fr !important; }
  .icon-grid-2 { grid-template-columns: 1fr !important; }
  .ftb-mini-grid { grid-template-columns: 1fr !important; }

  /* ── STAT VALUES ── */
  .stat-value { font-size: 36px; }

  /* ── BOOKING page ── */
  .booking-grid { grid-template-columns: 1fr !important; }

  /* ── ABOUT: story section ── */
  .story-section { grid-template-columns: 1fr !important; }
  .values-grid { grid-template-columns: 1fr !important; }

  /* ── STAMP DUTY GRIDS ── */
  .sd-buyer-grid { grid-template-columns: 1fr 1fr !important; }
  .sd-location-grid { grid-template-columns: 1fr 1fr !important; }
  .dep-savings-grid { grid-template-columns: 1fr 1fr !important; }
  .result-grid { grid-template-columns: 1fr 1fr !important; }
  .ov-compare { grid-template-columns: 1fr !important; }

  /* ── WIZARD: full width applicant cards ── */
  .applicant-grid { grid-template-columns: 1fr 1fr !important; }
  .wizard-nav { flex-direction: column; }
  .btn-wizard { width: 100%; justify-content: center; }
  /* ── MORTGAGE HUB: card grid ── */
  .hub-card-grid { grid-template-columns: 1fr !important; }
  .hub-hero-inner { grid-template-columns: 1fr !important; gap: 32px !important; }
  .hub-search-deco { display: none !important; }
  .hub-section { padding: 48px 0 !important; }

  /* ── MEGA MENU WIDE: shrink on mobile (already hidden, but just in case) ── */
  .mega-menu-wide { grid-template-columns: 1fr 1fr !important; min-width: 94vw !important; }

  /* ── DAY RATE CALC GRID ── */
  .dr-afford-grid { grid-template-columns: 1fr !important; }


}