/* ==========================================================================
   Mortgage Protection — styles
   Brand navy #001F45 · secondary gray #706D6D (sampled from the logo)
   ========================================================================== */

:root{
  --navy:#001F45;
  --navy-700:#123A6E;
  --navy-600:#1B4A87;
  --gray:#706D6D;
  --ink:#16233A;
  --muted:#5A6676;
  --line:#E3E9F1;
  --soft:#F2F6FB;
  --white:#fff;
  --radius:10px;
  --shadow:0 2px 14px rgba(0,31,69,.07);
  --shadow-lg:0 10px 34px rgba(0,31,69,.13);
  --wrap:1140px;
  --header-h:88px;
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%; scroll-behavior:smooth; scroll-padding-top:calc(var(--header-h) + 12px)}
body{
  margin:0;
  font-family:"Montserrat",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  color:var(--ink);
  background:var(--white);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;height:auto;display:block}
a{color:inherit;text-decoration:none}
h1,h2,h3{margin:0;line-height:1.18;color:var(--navy);font-weight:800;letter-spacing:-.01em}
p{margin:0}
ul,ol{margin:0;padding:0;list-style:none}

.wrap{width:100%;max-width:var(--wrap);margin-inline:auto;padding-inline:20px}

.skip-link{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:12px 18px;z-index:200}
.skip-link:focus{left:12px;top:12px}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  font-family:inherit;font-size:16px;font-weight:700;
  padding:14px 26px;border-radius:8px;border:2px solid transparent;
  cursor:pointer;transition:background .18s,color .18s,border-color .18s,transform .18s,box-shadow .18s;
  min-height:48px;text-align:center;
}
.btn-primary{background:var(--navy);color:#fff}
.btn-primary:hover{background:var(--navy-600)}
.btn-primary:active{transform:translateY(1px)}
.btn-light{background:#fff;color:var(--navy);border-color:#fff}
.btn-light:hover{background:transparent;color:#fff}
.btn-lg{font-size:19px;padding:17px 34px;min-height:58px}
.btn-block{width:100%}
.btn-nav{padding:12px 22px;font-size:15px;min-height:44px}
.btn .arrow{font-size:1.15em;line-height:1;transition:transform .18s}
.btn:hover .arrow{transform:translateX(4px)}
.btn[disabled]{opacity:.6;cursor:not-allowed}
:focus-visible{outline:3px solid var(--navy-600);outline-offset:2px;border-radius:4px}

/* ---------- Header ---------- */
.site-header{
  position:sticky;top:0;z-index:100;background:#fff;
  border-bottom:1px solid var(--line);
}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:var(--header-h)}
.logo img{width:auto;height:64px}
.site-nav{display:flex;align-items:center;gap:34px}
.site-nav a{font-size:16px;font-weight:600;color:var(--navy);white-space:nowrap}
.site-nav a:not(.btn):hover{color:var(--navy-600);text-decoration:underline;text-underline-offset:5px}
.site-nav a.btn-primary{color:#fff}          /* beat `.site-nav a` specificity */
.site-nav a.btn-primary:hover{color:#fff}

.nav-toggle{
  display:none;flex-direction:column;justify-content:center;gap:5px;
  width:46px;height:46px;padding:0 10px;background:none;border:0;cursor:pointer;
}
.nav-toggle span{display:block;height:2.5px;background:var(--navy);border-radius:2px;transition:transform .22s,opacity .18s}
.nav-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(7.5px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}
.nav-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}

/* ---------- Hero ---------- */
.hero{position:relative;background:var(--navy);overflow:hidden;isolation:isolate}
.hero-media{
  position:absolute;top:0;right:0;bottom:0;left:34%;z-index:-2;
  background-image:url("../images/hero.jpg");
  background-size:cover;background-position:center center;background-repeat:no-repeat;
}
.hero-scrim{
  position:absolute;inset:0;z-index:-1;
  background:linear-gradient(100deg,
    rgba(0,31,69,.99) 0%,
    rgba(0,31,69,.98) 32%,
    rgba(0,31,69,.86) 45%,
    rgba(0,31,69,.42) 62%,
    rgba(0,31,69,.14) 80%,
    rgba(0,31,69,.08) 100%);
}
.hero-inner{padding:96px 20px 84px;max-width:var(--wrap)}
.hero h1{color:#fff;font-size:clamp(34px,5.4vw,60px);letter-spacing:-.02em}
.hero-sub{color:rgba(255,255,255,.92);font-size:clamp(16px,1.6vw,19px);max-width:36ch;margin:22px 0 34px}
.hero-trust{display:flex;flex-wrap:wrap;align-items:center;gap:0;margin-top:44px}
.hero-trust li{
  display:flex;align-items:center;gap:10px;
  color:#fff;font-size:15px;font-weight:600;
  padding:0 22px;border-left:1px solid rgba(255,255,255,.3);
}
.hero-trust li:first-child{padding-left:0;border-left:0}

/* check / tick icon */
.ic{width:22px;height:22px;flex:0 0 22px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}

/* ---------- Sections ---------- */
.section{padding:80px 0}
.section-alt{background:var(--soft)}
.section-title{text-align:center;font-size:clamp(26px,3.4vw,36px)}
.rule{display:block;width:52px;height:3px;background:var(--navy);border-radius:3px;margin:16px auto 0}

/* ---------- Benefit cards ---------- */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:52px}
.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:40px 30px;text-align:center;box-shadow:var(--shadow);
  transition:transform .2s,box-shadow .2s;
}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.card-ic{width:70px;height:70px;margin:0 auto 24px;fill:none;stroke:var(--navy);stroke-width:2.6;stroke-linecap:round;stroke-linejoin:round}
.card h3{font-size:19px;margin-bottom:14px}
.card p{color:var(--muted);font-size:15.5px}

/* ---------- Steps ---------- */
.steps{display:flex;align-items:flex-start;justify-content:center;gap:12px;margin-top:52px}
.step{flex:1 1 0;max-width:300px;text-align:center;padding:0 8px}
.step-num{
  display:grid;place-items:center;width:38px;height:38px;margin:0 auto 22px;
  background:var(--navy);color:#fff;border-radius:50%;font-size:16px;font-weight:700;line-height:1;
}
.step-ic{width:64px;height:64px;margin:0 auto 20px;fill:none;stroke:var(--navy);stroke-width:2.6;stroke-linecap:round;stroke-linejoin:round}
.step h3{font-size:17.5px;margin-bottom:12px}
.step p{color:var(--muted);font-size:15px}
.step-arrow{flex:0 0 56px;display:flex;justify-content:center;padding-top:96px}
.step-arrow svg{width:44px;height:16px;fill:none;stroke:var(--navy);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}

/* ---------- Why a broker ---------- */
.broker-section{padding:80px 0}
.broker{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.broker-media{
  min-height:330px;border-radius:var(--radius);
  background-color:var(--soft);
  background-image:url("../images/broker.jpg");
  background-size:cover;background-position:center;
  box-shadow:var(--shadow);
}
.broker-copy h2{font-size:clamp(24px,3vw,33px);margin-bottom:20px}
.broker-copy p{color:var(--muted);font-size:16.5px}
.ticks{margin-top:28px;display:grid;gap:14px}
.ticks li{display:flex;align-items:center;gap:12px;color:var(--navy);font-weight:600;font-size:16px}

/* ---------- Quote form ---------- */
.quote-section{padding:0 0 80px}
.quote-panel{
  background:var(--soft);border:1px solid var(--line);border-radius:14px;
  padding:52px;display:grid;grid-template-columns:.85fr 1.15fr;gap:52px;align-items:center;
}
.quote-intro{display:flex;align-items:center;gap:24px}
.quote-badge{
  flex:0 0 128px;width:128px;height:128px;border-radius:50%;background:#fff;
  display:grid;place-items:center;box-shadow:var(--shadow);overflow:hidden;
}
.quote-badge img{width:72%;height:auto;object-fit:contain}
.quote-intro h2{font-size:clamp(22px,2.6vw,29px);margin-bottom:12px}
.quote-intro p{color:var(--muted);font-size:15.5px}

.quote-form{display:grid;grid-template-columns:1fr 1fr;gap:18px 22px;border-left:1px solid var(--line);padding-left:52px}
.field{display:flex;flex-direction:column;gap:7px;min-width:0}
.field-full{grid-column:1/-1}
.field label{font-size:14px;font-weight:700;color:var(--navy)}
.req{color:#B3261E}
.field input,.field select{
  font-family:inherit;font-size:16px;color:var(--ink);
  padding:13px 14px;min-height:50px;
  background:#fff;border:1px solid #CDD8E6;border-radius:7px;
  transition:border-color .16s,box-shadow .16s;width:100%;
}
.field select{
  appearance:none;-webkit-appearance:none;cursor:pointer;padding-right:42px;
  background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8'%3E%3Cpath fill='none' stroke='%23001F45' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round' d='M1 1.5 6 6.5l5-5'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 15px center;background-size:12px 8px;
}
.field select:invalid{color:#8A94A3}
.field input::placeholder{color:#98A3B2}
.field input:focus,.field select:focus{border-color:var(--navy);box-shadow:0 0 0 3px rgba(0,31,69,.12);outline:none}
.field.invalid input,.field.invalid select{border-color:#B3261E;background:#FFF8F8}
.err{color:#B3261E;font-size:12.5px;font-weight:600;min-height:0}
.field.invalid .err{min-height:16px}

.form-consent{margin-top:16px;color:var(--muted);font-size:12px;line-height:1.65;text-align:center}
.form-consent a{color:var(--navy);font-weight:700;text-decoration:underline;text-underline-offset:2px}
.form-consent a:hover{color:var(--navy-600)}
.form-note{display:flex;align-items:center;justify-content:center;gap:8px;margin-top:14px;color:var(--muted);font-size:12.5px;text-align:center}
.ic-lock{width:14px;height:14px;flex:0 0 14px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.form-status{margin-top:14px;text-align:center;font-size:15px;font-weight:600;display:none}
.form-status.show{display:block}
.form-status.ok{color:#12603C}
.form-status.bad{color:#B3261E}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

/* success state replaces the form */
.quote-success{text-align:center;padding:26px 10px}
.quote-success h3{font-size:24px;margin-bottom:12px}
.quote-success p{color:var(--muted)}
.quote-success .ic-ok{width:64px;height:64px;margin:0 auto 20px;fill:none;stroke:#12603C;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy);padding:48px 0}
.footer-inner{display:flex;flex-direction:column;align-items:center;text-align:center;gap:18px}
.footer-logo{height:86px;width:auto;filter:brightness(0) invert(1)}
.footer-links{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:0}
.footer-links a{
  color:rgba(255,255,255,.88);font-size:14px;font-weight:600;
  padding:6px 20px;border-left:1px solid rgba(255,255,255,.26);
}
.footer-links a:first-child{border-left:0}
.footer-links a:hover{color:#fff;text-decoration:underline;text-underline-offset:4px}
.footer-copy{color:rgba(255,255,255,.62);font-size:13px}

/* ==========================================================================
   Responsive
   ========================================================================== */
@media (max-width:1000px){
  .quote-panel{grid-template-columns:1fr;gap:36px;padding:40px}
  .quote-form{border-left:0;padding-left:0;border-top:1px solid var(--line);padding-top:34px}
  .broker{gap:40px}
}

@media (max-width:900px){
  :root{--header-h:74px}
  .logo img{height:52px}
  .nav-toggle{display:flex}
  .site-nav{
    position:absolute;left:0;right:0;top:100%;
    flex-direction:column;align-items:stretch;gap:0;
    background:#fff;border-bottom:1px solid var(--line);
    box-shadow:var(--shadow-lg);
    padding:8px 20px 22px;
    display:none;
  }
  .site-nav.open{display:flex}
  .site-nav a:not(.btn){padding:15px 4px;border-bottom:1px solid var(--line);font-size:17px}
  .btn-nav{margin-top:16px;width:100%;font-size:16px;padding:15px 22px}

  .hero-media{
    left:0;background-position:70% center;
    background-image:url("../images/hero-mobile.jpg");   /* 84KB instead of 227KB */
  }
  .broker-media{background-image:url("../images/broker-mobile.jpg")}
  .hero-scrim{background:linear-gradient(180deg,rgba(0,31,69,.88) 0%,rgba(0,31,69,.78) 55%,rgba(0,31,69,.92) 100%)}
  .hero-inner{padding:64px 20px 58px}
  .hero-sub{max-width:100%}

  .cards{grid-template-columns:1fr;gap:20px;margin-top:38px}
  .card{padding:32px 24px}

  .steps{flex-direction:column;align-items:center;gap:38px;margin-top:38px}
  .step{max-width:420px;width:100%}
  .step-arrow{display:none}

  .broker{grid-template-columns:1fr;gap:30px}
  .broker-media{min-height:240px}
}

@media (max-width:640px){
  .section{padding:56px 0}
  .quote-section{padding-bottom:56px}
  .hero-inner{padding:52px 20px 48px}
  .hero h1{font-size:33px}
  .btn-lg{width:100%;font-size:17px;padding:16px 22px}

  .hero-trust{display:grid;grid-template-columns:1fr;gap:12px;margin-top:34px}
  .hero-trust li{padding:0;border-left:0;font-size:15px}

  .quote-panel{padding:28px 20px;border-radius:12px}
  .quote-form{grid-template-columns:1fr;gap:16px}
  .quote-intro{flex-direction:column;text-align:center;gap:18px}
  .quote-badge{flex-basis:104px;width:104px;height:104px}

  .footer-logo{height:62px}
  .site-footer{padding:38px 0}
}

@media (max-width:380px){
  .hero h1{font-size:29px}
  .logo img{height:44px}
}

/* Larger screens: let the hero photo breathe */
@media (min-width:1500px){
  .hero-media{left:38%}
}

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

/* ==========================================================================
   Legal pages (privacy policy, terms & conditions)
   ========================================================================== */
.legal-hero{background:var(--navy);padding:56px 0 50px;text-align:center}
.legal-hero h1{color:#fff;font-size:clamp(28px,4vw,42px)}
.legal-date{color:rgba(255,255,255,.72);font-size:14.5px;font-weight:600;margin-top:14px}

.legal{padding:64px 0 76px}
.legal-wrap{max-width:820px}
.legal h2{
  font-size:clamp(18px,2.2vw,21px);
  margin:40px 0 14px;padding-top:26px;border-top:1px solid var(--line);
}
.legal h2:first-child{margin-top:0;padding-top:0;border-top:0}
.legal p{color:var(--muted);font-size:16px;line-height:1.75;margin-bottom:14px}
.legal p:last-of-type{margin-bottom:0}
.legal-back{margin-top:52px;padding-top:34px;border-top:1px solid var(--line);text-align:center}

@media (max-width:640px){
  .legal-hero{padding:40px 0 36px}
  .legal{padding:44px 0 56px}
  .legal h2{margin:30px 0 12px;padding-top:22px}
  .legal p{font-size:15.5px}
  .legal-back .btn{width:100%}
  .footer-links{flex-direction:column;gap:2px}
  .footer-links a{border-left:0;padding:9px 4px}
}

@media print{
  .site-header,.nav-toggle,.hero-media,.btn{display:none!important}
}