/* T47 Finance — shared styles */
:root{
  --ink:#14171C;
  --ink-soft:#242830;
  --paper:#FFFFFF;
  --stone:#ECE9E4;
  --stone-deep:#D8D3CB;
  --brand-grey:#6A6A6A;
  --red:#E60000;
  --red-deep:#A80000;
  --red-bright:#FF2D2D;
  --muted:#63666B;
  --dim:#8B92A0;
  --measure:62ch;
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;background:var(--paper);color:var(--ink);
  font-family:"Archivo",-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  font-variation-settings:"wdth" 100;
  font-size:17px;line-height:1.62;-webkit-font-smoothing:antialiased;
}
.wrap{max-width:1180px;margin:0 auto;padding:0 28px;}
.narrow{max-width:820px;}
a{color:inherit;}
:focus-visible{outline:3px solid var(--red);outline-offset:3px;}
h1,h2,h3{margin:0;line-height:1.06;font-weight:800;letter-spacing:-0.02em;}
p{margin:0 0 1em;}
.wide{font-variation-settings:"wdth" 86;}

/* header */
.site-head{border-bottom:2px solid var(--red);background:var(--paper);position:sticky;top:0;z-index:20;}
.head-in{display:flex;align-items:center;gap:28px;padding-top:14px;padding-bottom:14px;}
.brand img{display:block;width:172px;height:auto;}
.nav{margin-left:auto;display:flex;align-items:center;gap:26px;font-size:15px;font-weight:600;}
.nav a{text-decoration:none;padding:4px 0;border-bottom:2px solid transparent;}
.nav a:hover{border-bottom-color:var(--red);}
.nav .tel{color:var(--red);font-weight:800;font-variant-numeric:tabular-nums;}

/* mobile menu */
.nav-toggle{display:none;background:none;border:0;padding:10px 4px;margin-left:auto;cursor:pointer;line-height:0;}
.nav-toggle span{display:block;width:25px;height:2px;background:var(--ink);margin:5px 0;
  transition:transform .18s ease,opacity .18s ease;}
.site-head.open .nav-toggle span:nth-child(1){transform:translateY(7px) rotate(45deg);}
.site-head.open .nav-toggle span:nth-child(2){opacity:0;}
.site-head.open .nav-toggle span:nth-child(3){transform:translateY(-7px) rotate(-45deg);}
@media(prefers-reduced-motion:reduce){.nav-toggle span{transition:none;}}

@media(max-width:860px){
  .brand img{width:140px;}
  .nav-toggle{display:block;}
  .nav{position:absolute;top:100%;left:0;right:0;margin:0;
    background:var(--paper);border-bottom:2px solid var(--red);
    box-shadow:0 14px 28px rgba(0,0,0,.10);
    flex-direction:column;align-items:stretch;gap:0;
    padding:4px 28px 16px;display:none;}
  .site-head.open .nav{display:flex;}
  .nav a{display:block;padding:14px 2px;font-size:1rem;
    border-bottom:1px solid var(--stone-deep);border-top:none;}
  .nav a:hover{border-bottom-color:var(--red);}
  .nav .tel{border-bottom:none;padding-top:18px;font-size:1.15rem;}
}

/* buttons */
.btn{
  display:inline-block;text-decoration:none;font-weight:700;font-size:1rem;font-family:inherit;
  padding:15px 28px;border:2px solid var(--ink);background:var(--ink);color:var(--paper);
  cursor:pointer;transition:background .15s,border-color .15s,color .15s;
}
.btn:hover{background:var(--red);border-color:var(--red);color:#fff;}
.btn-ghost{background:transparent;color:var(--ink);}
.btn-ghost:hover{background:var(--ink);border-color:var(--ink);color:var(--paper);}

/* hero */
.hero{padding-top:74px;padding-bottom:62px;}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(0,1fr);gap:64px;align-items:start;}
.hero h1{font-size:clamp(2.5rem,6vw,4.4rem);font-weight:900;font-variation-settings:"wdth" 84;letter-spacing:-0.035em;max-width:15ch;}
.hero-lede{margin-top:26px;font-size:1.15rem;color:var(--muted);max-width:47ch;}
.hero-lede strong{color:var(--ink);font-weight:700;}
.cta-row{display:flex;flex-wrap:wrap;gap:14px;margin-top:34px;}
.credentials{border-left:3px solid var(--red);padding-left:22px;margin:0;}
.credentials dt{font-size:2rem;font-weight:900;font-variation-settings:"wdth" 80;letter-spacing:-0.03em;}
.credentials dd{margin:2px 0 24px;font-size:.95rem;color:var(--muted);max-width:31ch;}
.credentials dd:last-child{margin-bottom:0;}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr;gap:42px;}.hero{padding-top:50px;padding-bottom:42px;}}

/* interest bar */
.shape{background:var(--ink);color:var(--paper);padding:72px 0 64px;}
.shape h2{font-size:clamp(1.7rem,3.4vw,2.5rem);font-variation-settings:"wdth" 86;max-width:20ch;}
.shape .sub{color:#A7ADB8;margin-top:16px;max-width:58ch;font-size:1.05rem;}
.bar{margin-top:44px;display:flex;height:98px;width:100%;overflow:hidden;}
.bar-seg{display:flex;flex-direction:column;justify-content:flex-end;padding:14px 18px;min-width:0;}
.seg-principal{background:var(--stone);color:var(--ink);flex:0 0 46.3%;}
.seg-interest{background:var(--red-deep);color:#fff;flex:1 1 auto;}
.seg-amt{font-size:1.5rem;font-weight:900;font-variation-settings:"wdth" 80;letter-spacing:-0.02em;font-variant-numeric:tabular-nums;line-height:1;}
.seg-lbl{font-size:.85rem;font-weight:600;opacity:.88;margin-top:5px;}
.bar-note{margin-top:20px;font-size:.85rem;color:var(--dim);max-width:74ch;}
@media(max-width:640px){.bar{height:auto;flex-direction:column;}.bar-seg{flex:none !important;padding:16px 18px;}}

/* generic section */
.section{padding-top:80px;padding-bottom:80px;}
.section-head{max-width:var(--measure);margin-bottom:50px;}
.section-head h2{font-size:clamp(1.7rem,3.4vw,2.4rem);font-variation-settings:"wdth" 86;}
.section-head p{margin-top:16px;color:var(--muted);}

/* three columns */
.cols{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--stone-deep);}
.col{padding:28px 24px 32px 0;border-right:1px solid var(--stone-deep);}
.col:last-child{border-right:none;padding-right:0;}
.col:not(:first-child){padding-left:24px;}
.col h3{font-size:1.18rem;font-weight:800;}
.col p{margin-top:12px;font-size:.98rem;color:var(--muted);}
@media(max-width:1040px){.cols{grid-template-columns:repeat(2,1fr);}
  .col:nth-child(2n){border-right:none;padding-right:0;}
  .col:nth-child(-n+2){border-bottom:1px solid var(--stone-deep);}}
@media(max-width:820px){
  .cols{grid-template-columns:1fr;}
  .col{border-right:none;border-bottom:1px solid var(--stone-deep);padding:26px 0 !important;}
  .col:last-child{border-bottom:none;}
}

/* lender panel */
.panel{background:var(--stone);}
.lenders{
  columns:5;column-gap:32px;font-size:.92rem;color:var(--muted);
  border-top:1px solid var(--stone-deep);padding-top:24px;
}
.lenders span{display:block;break-inside:avoid;padding:2.5px 0;}
@media(max-width:1000px){.lenders{columns:3;}}
@media(max-width:620px){.lenders{columns:2;font-size:.86rem;}}
.panel-note{margin-top:26px;font-size:.85rem;color:var(--muted);max-width:80ch;}

/* process steps */
.steps{counter-reset:step;}
.step{counter-increment:step;display:grid;grid-template-columns:78px minmax(0,1fr);gap:28px;padding:28px 0;border-top:1px solid var(--stone-deep);align-items:baseline;}
.step:last-child{border-bottom:1px solid var(--stone-deep);}
.step::before{content:counter(step);font-size:2.3rem;font-weight:900;color:var(--red);font-variation-settings:"wdth" 76;letter-spacing:-0.04em;line-height:1;}
.step h3{font-size:1.15rem;}
.step p{margin:10px 0 0;color:var(--muted);max-width:64ch;font-size:.98rem;}
@media(max-width:640px){.step{grid-template-columns:52px minmax(0,1fr);gap:18px;}.step::before{font-size:1.7rem;}}

/* about */
.about-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.3fr);gap:60px;align-items:start;}
.about-grid h2{font-size:clamp(1.7rem,3.4vw,2.4rem);font-variation-settings:"wdth" 86;}
.about-body p{color:var(--muted);max-width:var(--measure);}
.about-body p:first-child{color:var(--ink);font-size:1.1rem;}
.quals{margin-top:28px;padding-top:22px;border-top:1px solid var(--stone-deep);font-size:.92rem;color:var(--muted);}
.quals b{color:var(--ink);font-weight:700;}
@media(max-width:820px){.about-grid{grid-template-columns:1fr;gap:30px;}}

/* enquiry */
.enquire{background:var(--ink);color:var(--paper);padding:80px 0;}
.enq-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.15fr);gap:60px;align-items:start;}
.enq-grid h2{font-size:clamp(1.7rem,3.4vw,2.4rem);font-variation-settings:"wdth" 86;}
.enq-intro p{color:#A7ADB8;margin-top:18px;max-width:45ch;}
.enq-direct{margin-top:30px;border-left:3px solid var(--red-bright);padding-left:20px;font-size:1.05rem;}
.enq-direct a{display:block;font-weight:800;text-decoration:none;font-variant-numeric:tabular-nums;}
.enq-direct a:hover{color:var(--red-bright);}
.enq-direct span{display:block;color:var(--dim);font-size:.88rem;margin-top:6px;}
form{display:grid;gap:18px;}
.field{display:grid;gap:7px;}
.field label{font-size:.9rem;font-weight:700;}
.field input,.field select,.field textarea{
  font:inherit;font-size:1rem;padding:13px 14px;border:1px solid #3C424E;
  background:var(--ink-soft);color:var(--paper);border-radius:0;width:100%;
}
.field textarea{min-height:110px;resize:vertical;}
.field input::placeholder,.field textarea::placeholder{color:#6F7784;}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--red-bright);}
.two-up{display:grid;grid-template-columns:1fr 1fr;gap:18px;}
@media(max-width:560px){.two-up{grid-template-columns:1fr;}}
.hp{position:absolute;left:-9999px;}
form .btn{background:var(--red);border-color:var(--red);color:#fff;justify-self:start;}
form .btn:hover{background:#fff;border-color:#fff;color:var(--ink);}
.collection{font-size:.82rem;color:var(--dim);line-height:1.55;max-width:60ch;}
.collection a{color:#C3C9D4;}
@media(max-width:820px){.enq-grid{grid-template-columns:1fr;gap:38px;}}

/* article pages */
.page-head{border-bottom:1px solid var(--stone-deep);padding:64px 0 44px;}
.page-head h1{font-size:clamp(2.1rem,4.6vw,3.2rem);font-variation-settings:"wdth" 84;letter-spacing:-0.03em;}
.page-head p{margin-top:16px;color:var(--muted);max-width:var(--measure);}
article{padding-top:52px;padding-bottom:80px;}
article h2{font-size:1.45rem;font-variation-settings:"wdth" 88;margin:44px 0 14px;padding-top:22px;border-top:1px solid var(--stone-deep);}
article h2:first-child{margin-top:0;border-top:none;padding-top:0;}
article h3{font-size:1.06rem;margin:26px 0 8px;}
article p,article li{color:var(--muted);max-width:var(--measure);}
article ul{padding-left:20px;}
article li{margin-bottom:8px;}
article a{color:var(--red-deep);}
.detail{border-left:3px solid var(--red);padding:4px 0 4px 22px;margin:24px 0;}
.detail dl{margin:0;display:grid;grid-template-columns:auto 1fr;gap:6px 24px;font-size:.95rem;}
.detail dt{font-weight:700;color:var(--ink);}
.detail dd{margin:0;color:var(--muted);}
@media(max-width:560px){.detail dl{grid-template-columns:1fr;gap:2px 0;}.detail dd{margin-bottom:12px;}}

/* footer */
.site-foot{background:#0E1116;color:var(--dim);padding:46px 0 40px;font-size:.85rem;line-height:1.7;}
.foot-top{display:flex;flex-wrap:wrap;gap:32px;justify-content:space-between;align-items:flex-start;padding-bottom:26px;border-bottom:1px solid #232833;}
.foot-top img{width:190px;height:auto;display:block;}
.foot-links{display:flex;flex-wrap:wrap;gap:22px;}
.foot-links a{color:#C3C9D4;text-decoration:none;}
.foot-links a:hover{color:var(--red-bright);}
.foot-legal{padding-top:26px;max-width:94ch;}
.foot-legal p{margin:0 0 12px;}
.ph{color:#E09090;}

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

/* advice boundary section */
.boundary{padding-top:0;}
.boundary-in{border-left:3px solid var(--red);padding-left:34px;max-width:74ch;}
.boundary-in h2{font-size:clamp(1.55rem,3vw,2.1rem);margin-bottom:20px;}
.boundary-in p{color:var(--muted);max-width:66ch;}
.boundary-in p:first-of-type{color:var(--ink);font-size:1.08rem;}
@media(max-width:640px){.boundary-in{padding-left:20px;}}

/* cashflow drilldown */
.drill{background:var(--stone);}
.drill-grid{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,1fr);gap:60px;align-items:start;}
.drill-grid h2{font-size:clamp(1.7rem,3.4vw,2.4rem);margin-bottom:20px;}
.drill-lede{font-size:1.12rem;color:var(--ink);max-width:52ch;}
.drill-grid p{color:var(--muted);max-width:56ch;}
.drill-grid .btn{margin-top:12px;}
.drill-list{list-style:none;margin:6px 0 0;padding:0;border-top:1px solid var(--stone-deep);}
.drill-list li{padding:14px 0 14px 26px;border-bottom:1px solid var(--stone-deep);font-size:.97rem;color:var(--muted);position:relative;}
.drill-list li::before{content:"";position:absolute;left:0;top:22px;width:11px;height:2px;background:var(--red);}
@media(max-width:820px){.drill-grid{grid-template-columns:1fr;gap:34px;}}

/* inline placeholder note */
.ph-note{color:#B02020;border-left:3px solid var(--red);padding-left:18px;}

/* calculator disclaimer emphasis */
.disc{border-left:3px solid var(--red);padding:2px 0 2px 20px;color:var(--ink) !important;font-size:.95rem;}

/* fee display — single price prominent (ACL s48) */
.fee{font-size:3.1rem;font-weight:900;font-variation-settings:"wdth" 80;letter-spacing:-.035em;
     line-height:1;color:var(--ink) !important;margin:0 0 10px;font-variant-numeric:tabular-nums;}
.fee-sub{color:var(--muted);max-width:var(--measure);}


/* ---- calculators (shared) ---- */
.calc-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);gap:44px;align-items:start;margin-bottom:20px;}
@media(max-width:900px){.calc-grid{grid-template-columns:1fr;gap:30px;}}
.calc-panel{background:var(--stone);padding:28px;}
.calc-panel h2{font-size:1.2rem;margin:0 0 4px;border:none;padding:0;}
.calc-panel .hint{font-size:.85rem;color:var(--muted);margin:0 0 22px;max-width:none;}
.f{display:grid;gap:6px;margin-bottom:16px;}
.f label{font-size:.87rem;font-weight:700;color:var(--ink);}
.f .sub{font-size:.78rem;color:var(--muted);font-weight:400;}
.f .wrap-in{position:relative;display:flex;align-items:center;}
.f .pre,.f .post{position:absolute;font-size:.95rem;color:var(--muted);pointer-events:none;}
.f .pre{left:13px;} .f .post{right:13px;}
.f input{font:inherit;font-size:1rem;width:100%;padding:12px 13px;border:1px solid var(--stone-deep);background:#fff;border-radius:0;font-variant-numeric:tabular-nums;}
.f input.has-pre{padding-left:28px;} .f input.has-post{padding-right:44px;}
.f input:focus{border-color:var(--red);outline:none;box-shadow:0 0 0 2px rgba(230,0,0,.15);}
.f input.bad{border-color:var(--red);background:#FFF6F6;}
.two{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
@media(max-width:480px){.two{grid-template-columns:1fr;}}
.optional-head{margin:26px 0 14px;padding-top:18px;border-top:1px solid var(--stone-deep);font-size:.87rem;font-weight:700;}
.optional-head span{display:block;font-weight:400;font-size:.8rem;color:var(--muted);margin-top:3px;}
.calc-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px;}
.btn-reset{background:transparent;color:var(--ink);border:2px solid var(--stone-deep);}
.btn-reset:hover{background:var(--ink);border-color:var(--ink);color:#fff;}
.err{color:var(--red-deep);font-size:.85rem;font-weight:700;margin-top:14px;}

.out{background:var(--ink);color:#fff;padding:28px;}
.out .empty{color:var(--dim);font-size:.95rem;margin:0;max-width:none;}
.out h3{font-size:.8rem;font-weight:700;color:var(--red-bright);margin:0 0 14px;letter-spacing:.06em;text-transform:uppercase;}
.hero-fig{font-size:2.5rem;font-weight:900;font-variation-settings:"wdth" 80;letter-spacing:-.03em;line-height:1;font-variant-numeric:tabular-nums;}
.hero-cap{font-size:.85rem;color:#A7ADB8;margin-top:6px;}
.rows{margin-top:24px;border-top:1px solid #2B313C;}
.r{display:flex;justify-content:space-between;gap:18px;align-items:baseline;padding:11px 0;border-bottom:1px solid #2B313C;font-size:.92rem;}
.r span:first-child{color:#A7ADB8;}
.r span:last-child{font-weight:700;font-variant-numeric:tabular-nums;text-align:right;white-space:nowrap;}
.r.hl span:last-child{color:var(--red-bright);}
.grp{margin-top:26px;}
.grp h4{font-size:.78rem;font-weight:700;color:#8B92A0;margin:0 0 2px;letter-spacing:.06em;text-transform:uppercase;}
.split{display:flex;height:34px;margin-top:16px;overflow:hidden;}
.split div{display:flex;align-items:center;padding:0 10px;font-size:.76rem;font-weight:700;white-space:nowrap;overflow:hidden;}
.sp-p{background:var(--stone);color:var(--ink);}
.sp-i{background:var(--red-deep);color:#fff;}
.split-cap{font-size:.78rem;color:#8B92A0;margin-top:8px;}

/* ---- calculator hub + cross-links ---- */
.hub{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--stone-deep);}
.hub a{display:block;text-decoration:none;padding:28px 26px 30px 0;border-right:1px solid var(--stone-deep);}
.hub a:last-child{border-right:none;padding-right:0;}
.hub a:not(:first-child){padding-left:26px;}
.hub h3{font-size:1.12rem;font-weight:800;color:var(--ink);}
.hub p{margin-top:10px;font-size:.95rem;color:var(--muted);}
.hub span{display:inline-block;margin-top:12px;font-size:.88rem;font-weight:700;color:var(--red);border-bottom:2px solid transparent;}
.hub a:hover span{border-bottom-color:var(--red);}
@media(max-width:820px){.hub{grid-template-columns:1fr;}
 .hub a{border-right:none;border-bottom:1px solid var(--stone-deep);padding:24px 0 !important;}
 .hub a:last-child{border-bottom:none;}}

.xlinks{margin-top:46px;padding-top:22px;border-top:1px solid var(--stone-deep);}
.xlinks b{display:block;font-size:.8rem;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);margin-bottom:12px;}
.xlinks a{display:inline-block;margin-right:24px;font-weight:700;color:var(--ink);text-decoration:none;border-bottom:2px solid var(--red);padding-bottom:2px;}
.xlinks a:hover{color:var(--red);}

/* ---- debt rows ---- */
.debtrow{display:grid;grid-template-columns:1.25fr 1fr .75fr 1fr;gap:10px;margin-bottom:10px;align-items:end;}
.debtrow .f{margin-bottom:0;}
.debthead{display:grid;grid-template-columns:1.25fr 1fr .75fr 1fr;gap:10px;font-size:.78rem;font-weight:700;color:var(--muted);margin-bottom:6px;}
@media(max-width:700px){
 .debtrow{grid-template-columns:1fr 1fr;}
 .debthead{display:none;}
}

/* ---- three-option comparison ---- */
.opts{display:grid;gap:0;margin-top:4px;}
.opt{border-top:1px solid #2B313C;padding:18px 0;}
.opt:first-child{border-top:none;}
.opt h4{margin:0 0 4px;font-size:1rem;font-weight:800;color:#fff;}
.opt .tag{font-size:.78rem;color:var(--dim);margin-bottom:12px;}
.opt.best h4{color:var(--red-bright);}
.verdict{margin-top:22px;padding:18px;background:var(--ink-soft);border-left:3px solid var(--red-bright);font-size:.93rem;line-height:1.6;}
.verdict strong{color:#fff;}

/* debt row: narrow rate field needs tighter suffix */
.debtrow{grid-template-columns:1.15fr 1fr .95fr 1fr;}
.debthead{grid-template-columns:1.15fr 1fr .95fr 1fr;}
.debtrow .has-post{padding-right:28px;}
.debtrow .post{right:9px;font-size:.85rem;}
.debtrow input{padding-left:11px;padding-right:11px;}
.debtrow .has-pre{padding-left:26px;}
@media(max-width:700px){.debtrow{grid-template-columns:1fr 1fr;}}


/* placeholders must never read as entered values */
.f input::placeholder{color:#A9ADB4;font-style:italic;opacity:1;}
.f input.bad::placeholder{color:#C98A8A;}

/* compliance notice block — service separation */
.notice{background:var(--stone);border-left:4px solid var(--red);padding:22px 26px;margin:0 0 42px;}
.notice h2{font-size:1.05rem;margin:0 0 12px;padding-top:0;border-top:none;
  letter-spacing:.02em;}
.notice p{color:var(--ink);font-size:.97rem;max-width:64ch;}
.notice p:last-child{margin-bottom:0;}
.notice strong{font-weight:800;}
@media(max-width:640px){.notice{padding:18px 18px;}}