/* Ap Dhillon Mortgages website: deep teal, gold and ivory. */
:root{
  --ground:#f6f7f5; --card:#ffffff; --ink:#0f2328; --muted:#4e6166; --line:#dbe2e0;
  --brand:#0e3a43; --brand-2:#07262d; --brand-ink:#f6f1e4; --brass:#b8913f; --brass-soft:#f1ecdc;
  --gold-hi:#dcbb6a; --glow:#17606f;
  --good:#2f7a4f; --bad:#b03a2e;
  --display:"Playfair Display",Georgia,"Times New Roman",serif;
  --body:"Public Sans",ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;
  --mono:"IBM Plex Mono",ui-monospace,Menlo,monospace;
}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){
  --ground:#08171a; --card:#0f2327; --ink:#e9ede9; --muted:#9fb3b5; --line:#21393d;
  --brand:#0f4550; --brand-2:#0a2a31; --glow:#1b6b7b; --brass:#d2ad5c; --brass-soft:#2c2617; --good:#5cbf86; --bad:#e8786b; color-scheme:dark}}
:root[data-theme="dark"]{
  --ground:#08171a; --card:#0f2327; --ink:#e9ede9; --muted:#9fb3b5; --line:#21393d;
  --brand:#0f4550; --brand-2:#0a2a31; --glow:#1b6b7b; --brass:#d2ad5c; --brass-soft:#2c2617; --good:#5cbf86; --bad:#e8786b; color-scheme:dark}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--ground);color:var(--ink);font:16px/1.55 var(--body)}
a{color:inherit}
img{max-width:100%}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
h1,h2,h3{font-family:var(--display);font-weight:700;line-height:1.12;margin:0;text-wrap:balance;letter-spacing:-.01em}
h2{font-size:clamp(26px,4vw,36px)}
.kicker{font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--brass);font-weight:600;margin:0 0 10px}
.lead{color:var(--muted);font-size:18px;max-width:58ch}
section{padding:72px 0}
.num{font-family:var(--mono);font-variant-numeric:tabular-nums}

/* Header */
header.top{position:sticky;top:0;z-index:5;background:color-mix(in srgb,var(--ground) 88%,transparent);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;height:64px;gap:16px}
.logo{font-family:var(--display);font-weight:700;font-size:19px;text-decoration:none;display:flex;align-items:center;gap:10px}
.logo i{width:36px;height:36px;border-radius:4px;background:var(--brand);color:var(--gold-hi);border:1px solid var(--brass);box-shadow:inset 0 0 0 2px var(--brand),inset 0 0 0 3px var(--brass);display:grid;place-items:center;font-style:normal;font-size:14px;font-family:var(--display);letter-spacing:.02em}
.logo small{display:block;font:600 10px var(--body);letter-spacing:.22em;text-transform:uppercase;color:var(--brass);margin-top:2px}
.logo b{display:block;font-weight:700;line-height:1}
nav.menu{display:flex;gap:22px;font-size:15px}
nav.menu a{text-decoration:none;color:var(--muted)}
nav.menu a:hover{color:var(--ink)}
@media (max-width:820px){nav.menu{display:none}}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:600 15px var(--body);padding:13px 22px;border-radius:6px;letter-spacing:.01em;border:1px solid transparent;text-decoration:none;cursor:pointer;background:var(--brand);color:var(--brand-ink)}
.btn.brass{background:var(--brass);color:#1a1405}
.btn.ghost{background:transparent;border-color:var(--line);color:var(--ink)}
.btn.light{background:var(--brand-ink);color:var(--brand)}
.btn:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:2px solid var(--brass);outline-offset:2px}

/* Hero */
.hero{background:radial-gradient(ellipse at 85% 0%,var(--glow,#17606f) 0%,transparent 55%),linear-gradient(160deg,var(--brand) 0%,var(--brand-2) 100%);color:var(--brand-ink);padding:84px 0 96px;position:relative;overflow:hidden;border-bottom:3px solid var(--brass)}
.hero::after{content:"";position:absolute;right:-140px;top:-140px;width:460px;height:460px;border-radius:50%;border:1px solid rgba(216,183,102,.25);box-shadow:0 0 0 40px rgba(216,183,102,.04),0 0 0 90px rgba(216,183,102,.03)}
.hero h1{font-size:clamp(36px,6vw,62px);max-width:16ch}
.hero p{font-size:19px;opacity:.85;max-width:52ch;margin:20px 0 30px}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap}
.hero .facts{display:flex;gap:28px;flex-wrap:wrap;margin-top:44px;font-size:14px;opacity:.8}
.hero .facts b{display:block;font-family:var(--display);font-size:20px;opacity:1}

/* Services */
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:14px;margin-top:32px}
.card{background:var(--card);border:1px solid var(--line);border-top:3px solid var(--brass);border-radius:8px;padding:24px;box-shadow:0 1px 2px rgba(15,35,40,.04),0 8px 24px rgba(15,35,40,.05)}
.card h3{font-size:19px;margin-bottom:8px}
.card p{margin:0;color:var(--muted);font-size:15px}
.card .ic{width:40px;height:40px;border-radius:50%;border:1px solid var(--brass);background:var(--brass-soft);color:var(--brass);display:grid;place-items:center;margin-bottom:14px}

/* Construction & commercial */
.grid.two{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.ticks{margin:6px 0 14px;padding-left:20px;color:var(--muted);font-size:15px}
.ticks li{margin:4px 0}
.card .small{font-size:14px;margin:0 0 16px}
.form.wide{margin-top:32px;max-width:820px}
.form-h{font-size:19px;margin:28px 0 0}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:24px;margin-top:32px;counter-reset:s}
.steps div{border-top:2px solid var(--brass);padding-top:16px}
.steps div::before{counter-increment:s;content:"0" counter(s);font-family:var(--mono);color:var(--brass);font-size:14px}
.steps h3{font-size:20px;margin:6px 0 6px}
.steps p{margin:0;color:var(--muted)}

/* Calculator */
.calc{display:grid;grid-template-columns:1.1fr 1fr;gap:24px;margin-top:32px;align-items:start}
@media (max-width:820px){.calc{grid-template-columns:1fr}}
.form{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:24px;box-shadow:0 8px 24px rgba(15,35,40,.06)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:440px){.row2{grid-template-columns:1fr}}
label{display:block;font-size:13px;font-weight:600;margin:14px 0 6px}
input,select,textarea{width:100%;font:16px var(--body);padding:11px 12px;border-radius:10px;border:1px solid var(--line);background:var(--ground);color:var(--ink)}
textarea{min-height:100px;resize:vertical}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:14px;color:var(--muted)}
.check input{width:auto;margin-top:4px}
.result{background:linear-gradient(160deg,var(--brand),var(--brand-2));color:var(--brand-ink);border-radius:10px;border-top:3px solid var(--brass);padding:24px;position:sticky;top:84px}
.result .lbl{font-size:12px;letter-spacing:.1em;text-transform:uppercase;opacity:.75}
.result .big{font-family:var(--mono);font-size:clamp(34px,5vw,44px);margin:6px 0 16px}
.result .kv{display:flex;justify-content:space-between;gap:12px;padding:9px 0;border-top:1px solid rgba(255,255,255,.14);font-size:14px}
.result .kv span:first-child{opacity:.8}
.result .note{font-size:13px;opacity:.75;margin:14px 0 0}
.empty{opacity:.8}

/* FinNest band */
.band{background:var(--brass-soft);border:1px solid var(--line);border-radius:12px;padding:40px;display:grid;grid-template-columns:1.3fr 1fr;gap:28px;align-items:center}
@media (max-width:820px){.band{grid-template-columns:1fr;padding:28px}}
.band ul{margin:14px 0 22px;padding-left:20px;color:var(--muted)}
.mock{background:var(--brand);color:var(--brand-ink);border-radius:22px;padding:20px;font-size:14px}
.mock .t{opacity:.7;font-size:12px;text-transform:uppercase;letter-spacing:.08em}
.mock .v{font-family:var(--mono);font-size:30px;margin:4px 0 14px}
.mock .a{background:rgba(255,255,255,.08);border-radius:12px;padding:10px 12px;margin-top:8px}

/* Photo */
.hero-who{display:flex;align-items:center;gap:12px;margin-bottom:14px}
.hero-who img{width:56px;height:56px;border-radius:50%;object-fit:cover;border:2px solid var(--brass)}
.about-photo{width:100%;max-width:360px;height:auto;border-radius:20px;margin-bottom:22px;display:block}

/* About + contact */
.split{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
@media (max-width:820px){.split{grid-template-columns:1fr}}
.langs{display:flex;gap:8px;flex-wrap:wrap;margin-top:16px}
.langs span{background:var(--card);border:1px solid var(--line);border-radius:99px;padding:6px 12px;font-size:14px}
.contact-list{list-style:none;padding:0;margin:20px 0 0}
.contact-list li{padding:10px 0;border-bottom:1px solid var(--line);display:flex;justify-content:space-between;gap:12px}
.contact-list li span:first-child{color:var(--muted)}
.msg{margin-top:12px;font-size:14px}
.msg.ok{color:var(--good)} .msg.err{color:var(--bad)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

/* Footer */
footer{background:var(--brand-2);color:var(--brand-ink);padding:52px 0;font-size:14px;border-top:3px solid var(--brass)}
footer a{color:var(--gold-hi)}
footer .wrap{display:grid;grid-template-columns:2fr 1fr;gap:28px}
@media (max-width:820px){footer .wrap{grid-template-columns:1fr}}
footer p{opacity:.8;margin:0 0 8px}
footer a{opacity:.85}

/* Plain pages */
.page{max-width:760px;margin:0 auto;padding:56px 20px}
.page h1{font-size:40px;margin-bottom:12px}
.page h2{font-size:22px;margin:32px 0 8px}
.page p,.page li{color:var(--muted)}
.draft{background:var(--brass-soft);border-radius:12px;padding:12px 16px;font-size:14px}

/* Guide pages (renewal, self-employed, construction, commercial) */
.hero.sub{padding:64px 0 72px}
.hero.sub h1{font-size:clamp(32px,5.4vw,52px);max-width:20ch}
.hero.sub p{margin:18px 0 26px}
.hero .crumb{font-size:14px;margin:0 0 14px;opacity:.75}
.hero .crumb a{color:inherit}
.hero .langnote{display:inline-block;margin-top:28px;font-size:14px;border:1px solid rgba(255,255,255,.22);border-radius:99px;padding:6px 14px;opacity:.9}
section.topic{padding:56px 0 0}
section.topic:last-of-type{padding-bottom:72px}
.prose{max-width:720px}
.prose h2{margin-bottom:14px}
.prose p,.prose li{color:var(--muted)}
.prose p{margin:0 0 14px}
.prose ul,.prose ol{padding-left:22px;margin:0 0 14px}
.prose li{margin:6px 0}
.prose li b,.prose p b{color:var(--ink)}
.prose .grid{margin-top:20px}
.note-box{background:var(--brass-soft);border-radius:14px;padding:14px 18px;font-size:15px;margin:18px 0}
.note-box p{color:var(--ink);margin:0}
.card a.more,a.more{display:inline-block;margin-top:12px;font-size:14px;font-weight:600;color:var(--brass);text-decoration:none}
a.more:hover{text-decoration:underline}
.card a.more::after,a.more::after{content:" →"}
.faq{max-width:720px;margin-top:20px}
.faq details{background:var(--card);border:1px solid var(--line);border-radius:8px;margin:0 0 10px}
.faq summary{cursor:pointer;list-style:none;padding:16px 48px 16px 18px;font-weight:600;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);font-family:var(--mono);color:var(--brass);font-size:20px}
.faq details[open] summary::after{content:"−"}
.faq summary:focus-visible{outline:2px solid var(--brass);outline-offset:2px;border-radius:14px}
.faq details p{margin:0;padding:0 18px 16px;color:var(--muted)}
.cta-band{background:var(--brass-soft);border:1px solid var(--line);border-radius:12px;padding:32px;display:flex;flex-wrap:wrap;gap:20px;align-items:center;justify-content:space-between}
.cta-band h2{font-size:clamp(22px,3.4vw,28px)}
.cta-band p{margin:8px 0 0;color:var(--muted)}
.cta-band .ctas{display:flex;gap:10px;flex-wrap:wrap}
@media (max-width:440px){.cta-band{padding:24px}.cta-band .ctas .btn{flex:1 1 100%}}
footer .wrap.cols3{grid-template-columns:2fr 1fr 1fr}
@media (max-width:820px){footer .wrap.cols3{grid-template-columns:1fr}}
footer .fh{font-weight:600;opacity:1}
[hidden]{display:none!important}

/* Royal redesign additions */
.kicker{letter-spacing:.18em}
h2{position:relative}
section > .wrap > h2::after,.prose h2::after{content:"";display:block;width:56px;height:2px;background:var(--brass);margin-top:14px}
.cta-band h2::after{display:none}
.hero-grid{display:grid;grid-template-columns:1.35fr 1fr;gap:48px;align-items:center;position:relative;z-index:1}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr}.hero-photo{display:none}}
.hero-photo{position:relative}
.hero-photo img{width:100%;max-width:380px;height:auto;border-radius:6px;border:1px solid var(--brass);box-shadow:0 0 0 8px rgba(216,183,102,.12),0 30px 60px rgba(0,0,0,.35);display:block;margin-left:auto}
.hero-photo .badge{position:absolute;left:0;bottom:24px;background:var(--card);color:var(--ink);border-left:3px solid var(--brass);padding:12px 16px;border-radius:4px;font-size:13px;box-shadow:0 12px 30px rgba(0,0,0,.25)}
.hero-photo .badge b{display:block;font-family:var(--display);font-size:17px}
.hero h1 em{font-style:normal;color:var(--gold-hi)}
.trustbar{background:var(--card);border-bottom:1px solid var(--line)}
.trustbar .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
.trustbar div{padding:22px 18px;border-left:1px solid var(--line);font-size:14px;color:var(--muted)}
.trustbar div:first-child{border-left:0}
.trustbar b{display:block;font-family:var(--display);font-size:19px;color:var(--ink);margin-bottom:2px}
@media (max-width:820px){.trustbar .wrap{grid-template-columns:1fr 1fr}.trustbar div:nth-child(3){border-left:0}.trustbar div{border-top:1px solid var(--line)}}
.lenders{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:14px;margin-top:32px}
.lender{background:var(--card);border:1px solid var(--line);border-radius:8px;padding:20px;text-align:center}
.lender .ic{width:46px;height:46px;margin:0 auto 12px;border-radius:50%;background:var(--brand);color:var(--gold-hi);display:grid;place-items:center;font-family:var(--display);font-size:18px;border:2px solid var(--brass)}
.lender h3{font-size:17px;margin-bottom:6px}
.lender p{margin:0;font-size:14px;color:var(--muted)}
.areas{display:flex;flex-wrap:wrap;gap:8px;margin-top:22px}
.areas span{border:1px solid var(--brass);color:var(--ink);border-radius:4px;padding:7px 14px;font-size:14px;background:var(--card)}
.dark-band{background:linear-gradient(160deg,var(--brand),var(--brand-2));color:var(--brand-ink);border-top:3px solid var(--brass);border-bottom:3px solid var(--brass)}
.dark-band h2,.dark-band h3{color:var(--brand-ink)}
.dark-band .lead,.dark-band p{color:rgba(246,241,228,.82)}
.dark-band .lender{background:rgba(255,255,255,.04);border-color:rgba(216,183,102,.3)}
.dark-band .lender p{color:rgba(246,241,228,.75)}
.dark-band .note-fine{font-size:13px;opacity:.7;margin-top:22px}
.hero:not(.sub){padding:64px 0 72px}