/* Homepage-only redesign — lower.ca-inspired light theme. Scoped to body.home so other pages keep the existing dark styles.css. */
body.home {
  --l-navy: #0b1a2e;
  --l-teal: #0f9d8e;
  --l-teal-dark: #0b7d71;
  --l-gold: #c9a15a;
  --l-gold-light: #e8c987;
  --l-bg: #ffffff;
  --l-bg-alt: #f5f7fa;
  --l-text: #29394d;
  --l-text-muted: #5c7085;
  --l-border: #e6eaef;
  --font: 'Inter', system-ui, sans-serif;
  --font-display: 'Cormorant Garamond', 'Garamond', Georgia, serif;
  background: var(--l-bg);
  color: var(--l-text);
  font-family: var(--font);
}

body.home .logo-mark {
  background: linear-gradient(120deg, var(--l-navy) 0%, var(--l-teal-dark) 100%);
  -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent;
}

body.home .site-header { display: none !important; }
body.home .nav-toggle--floating {
  background: rgba(11,26,46,.55) !important; backdrop-filter: blur(8px);
  border: 1.5px solid rgba(255,255,255,.35) !important; box-shadow: 0 4px 16px rgba(0,0,0,.25) !important;
}
body.home .nav-toggle--floating span { background: #fff !important; }
body.home .nav-toggle--floating.open { background: var(--l-navy) !important; }
body.home .site-header.scrolled {
  background: rgba(255,255,255,.98); backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--l-border); box-shadow: 0 1px 12px rgba(11,26,46,.06);
}
/* Logo/nav ride on transparent header = light text over hero video, flips dark once scrolled */
body.home .logo-mark {
  color: #fff; background: none; -webkit-text-fill-color: #fff; transition: color .3s ease, -webkit-text-fill-color .3s ease;
}
body.home .site-header.scrolled .logo-mark {
  background: linear-gradient(120deg, var(--l-navy) 0%, var(--l-teal-dark) 100%);
  -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; color: var(--l-navy);
}
body.home .logo-sub { color: rgba(255,255,255,.7); transition: color .3s ease; }
body.home .site-header.scrolled .logo-sub { color: var(--l-text-muted); }
body.home .main-nav a { color: #fff; transition: color .3s ease; }
body.home .site-header.scrolled .main-nav a { color: var(--l-text); }
body.home .main-nav a:hover { color: #7fe3d4; background: rgba(255,255,255,.1); }
body.home .site-header.scrolled .main-nav a:hover { color: var(--l-teal-dark); background: rgba(15,157,142,.08); }
body.home .main-nav .dropdown a { color: #cfe0f0 !important; }
body.home .nav-cta { background: var(--l-teal) !important; color: #fff !important; }
body.home .nav-cta:hover { background: var(--l-teal-dark) !important; }
body.home .nav-toggle { background: rgba(255,255,255,.12); border-color: rgba(255,255,255,.35); }
body.home .nav-toggle span { background: #fff; }
body.home .site-header.scrolled .nav-toggle { background: var(--l-bg-alt); border-color: #c4d0dc; }
body.home .site-header.scrolled .nav-toggle span { background: var(--l-navy); }

/* Hero */
body.home .home-hero {
  position: relative; overflow: hidden; display: flex; align-items: center;
  min-height: 100vh;
  background: linear-gradient(180deg, #f5f9fb 0%, #ffffff 100%);
  padding: 6rem 0 4rem;
}
body.home .home-hero .container { width: 100%; }
body.home .home-hero::before,
body.home .home-hero::after {
  content: ''; position: absolute; border-radius: 50%; filter: blur(60px); pointer-events: none; z-index: 0;
  animation: orbFloat 14s ease-in-out infinite;
}
body.home .home-hero::before {
  width: 480px; height: 480px; top: -180px; right: -140px;
  background: radial-gradient(circle, rgba(15,157,142,.22) 0%, transparent 70%);
}
body.home .home-hero::after {
  width: 380px; height: 380px; bottom: -160px; left: -120px;
  background: radial-gradient(circle, rgba(201,161,90,.16) 0%, transparent 70%);
  animation-delay: -7s;
}
@keyframes orbFloat {
  0%, 100% { transform: translate(0,0) scale(1); }
  50% { transform: translate(30px,-24px) scale(1.08); }
}
body.home .home-hero .container { position: relative; z-index: 1; }
body.home .home-hero__eyebrow {
  display: inline-flex; align-items: center; gap: .5rem;
}
body.home .home-hero__eyebrow::before {
  content: ''; width: 6px; height: 6px; border-radius: 50%; background: var(--l-teal);
  box-shadow: 0 0 0 4px rgba(15,157,142,.18); animation: pulseDot 2s ease-in-out infinite;
}
@keyframes pulseDot { 0%,100% { opacity: 1; } 50% { opacity: .4; } }
body.home .home-hero h1 {
  background: linear-gradient(100deg, var(--l-navy) 30%, var(--l-teal-dark) 65%, var(--l-navy) 100%);
  -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent;
}
body.home .home-hero__eyebrow {
  font-size: .8rem; font-weight: 600; letter-spacing: .08em; text-transform: uppercase;
  color: var(--l-teal-dark); margin-bottom: 1rem;
}
body.home .home-hero__grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 3rem; align-items: center; }
body.home .home-hero--full { padding: 0; justify-content: center; }
body.home .home-hero__full-inner { display: flex; align-items: center; justify-content: center; min-height: 100vh; text-align: center; }
body.home .home-hero--full h1 {
  font-size: clamp(2.6rem, 6.4vw, 5.6rem); max-width: 40ch; margin: 0 auto;
  color: #fff !important; background: none !important; -webkit-text-fill-color: #fff !important;
  text-shadow: 0 4px 24px rgba(0,0,0,.35);
  letter-spacing: normal !important; word-spacing: 0.15em;
}
body.home .home-hero--full h1 span { letter-spacing: normal; }
body.home .hero-full-stack { display: flex; flex-direction: column; align-items: center; }
body.home .hero-trust-line {
  margin-top: 1.4rem; font-size: .95rem; font-weight: 600; letter-spacing: .04em;
  color: rgba(255,255,255,.82); text-transform: uppercase;
  opacity: 0; transform: translateY(14px);
  animation: letterFadeUp .8s cubic-bezier(.2,.7,.2,1) forwards; animation-delay: 1.1s;
}
body.home .hero-scroll-cue {
  position: absolute; left: 50%; bottom: 2rem; transform: translateX(-50%);
  z-index: 1; opacity: 0; animation: fadeInCue .8s ease forwards; animation-delay: 1.6s;
  transition: opacity .3s ease;
}
body.home .hero-scroll-cue.is-hidden { opacity: 0 !important; }
body.home .hero-scroll-cue__mouse {
  display: block; width: 26px; height: 40px; border: 2px solid rgba(255,255,255,.6);
  border-radius: 14px; position: relative;
}
body.home .hero-scroll-cue__mouse span {
  position: absolute; top: 6px; left: 50%; width: 4px; height: 8px; margin-left: -2px;
  border-radius: 2px; background: #fff; animation: scrollCueDot 1.6s ease infinite;
}
@keyframes scrollCueDot { 0% { opacity: 1; transform: translateY(0); } 70% { opacity: 0; transform: translateY(10px); } 100% { opacity: 0; transform: translateY(0); } }
@keyframes fadeInCue { to { opacity: .85; } }
.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; }

body.home .home-hero__full-inner--split {
  display: flex; align-items: center; justify-content: space-between; gap: 3.5rem;
  min-height: 100vh; text-align: left; flex-wrap: wrap; padding: 6rem 0 3rem;
}
body.home .home-hero__full-inner--split .hero-full-stack { text-align: left; align-items: flex-start; flex: 1 1 420px; }
body.home .home-hero__full-inner--split .hero-trust-line { margin-left: 0; }

body.home .hero-form-card {
  flex: 0 1 380px; width: 100%; max-width: 380px;
  background: rgba(255,255,255,.1); backdrop-filter: blur(18px); -webkit-backdrop-filter: blur(18px);
  border: 1px solid rgba(255,255,255,.28); border-radius: 18px;
  padding: 1.75rem 1.75rem 1.5rem; box-shadow: 0 20px 60px rgba(0,0,0,.35);
  opacity: 0; transform: translateY(18px);
  animation: letterFadeUp .8s cubic-bezier(.2,.7,.2,1) forwards; animation-delay: 1.2s;
}
body.home .hero-form-card__title { color: #fff; font-weight: 800; font-size: 1.15rem; margin: 0 0 1rem; }
body.home .hero-lead-form__row { margin-bottom: .7rem; }
body.home .hero-lead-form input:not([type="checkbox"]),
body.home .hero-lead-form textarea {
  width: 100%; background: rgba(255,255,255,.92); border: 1px solid rgba(255,255,255,.5);
  border-radius: 10px; padding: .7rem .85rem; font-size: .95rem; color: var(--l-navy);
  font-family: var(--font); resize: vertical; box-sizing: border-box;
}
body.home .hero-lead-form__consent input[type="checkbox"] {
  width: 16px; height: 16px; min-width: 16px; flex: 0 0 16px; accent-color: var(--l-teal);
}
body.home .hero-lead-form__consent span { flex: 1 1 auto; min-width: 0; }
body.home .hero-lead-form input::placeholder,
body.home .hero-lead-form textarea::placeholder { color: #6b7787; }
body.home .hero-lead-form input:focus,
body.home .hero-lead-form textarea:focus { outline: 2px solid var(--l-teal); outline-offset: 1px; }
body.home .hero-lead-form__consent {
  display: flex; gap: .5rem; align-items: flex-start; margin: .75rem 0 1rem;
  font-size: .74rem; line-height: 1.35; color: rgba(255,255,255,.8);
}
body.home .hero-lead-form__consent input { margin-top: .2rem; flex-shrink: 0; }
body.home .hero-lead-form__submit { width: 100%; justify-content: center; }
body.home .hero-lead-form__status { margin: .6rem 0 0; font-size: .85rem; min-height: 1.1em; }
body.home .hero-lead-form__status.is-success { color: #7fe3d4; }
body.home .hero-lead-form__status.is-error { color: #ff9d9d; }

@media (max-width: 768px) {
  body.home .hero-trust-line { font-size: .78rem; }
  body.home .hero-scroll-cue { bottom: 5.5rem; }
  body.home .home-hero__full-inner--split { flex-direction: column; text-align: center; padding: 7rem 0 calc(6rem + 76px); gap: 2rem; }
  body.home .home-hero__full-inner--split .hero-full-stack { text-align: center; align-items: center; }
  body.home .hero-form-card { max-width: 100%; margin-top: 2.25rem; }
}
body.home .letter-fade span {
  display: inline-block;
  opacity: 0;
  transform: translateY(28px);
  animation: letterFadeUp .45s cubic-bezier(.2,.7,.2,1) forwards;
}
@keyframes letterFadeUp {
  to { opacity: 1; transform: translateY(0); }
}
@media (prefers-reduced-motion: reduce) {
  body.home .letter-fade span {
    animation: none;
    opacity: 1;
    transform: none;
  }
}
@media (max-width: 768px) {
  body.home .home-hero--full h1 { font-size: clamp(2.1rem, 9vw, 3rem); }
}
body.home .home-hero h1 {
  font-family: var(--font-display); font-weight: 800; letter-spacing: -0.02em; color: var(--l-navy);
  font-size: clamp(2.4rem, 4.5vw, 3.6rem); line-height: 1.08; margin-bottom: 1.25rem;
}
body.home .home-hero__sub { font-size: 1.1rem; color: var(--l-text-muted); max-width: 46ch; margin-bottom: 2rem; }
body.home .home-hero__ctas { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 2.5rem; }
body.home .btn--primary-l,
body.home .btn--ghost-l {
  position: relative; overflow: hidden; isolation: isolate;
  border-radius: 999px; padding: 1.05rem 2.2rem; font-weight: 700; font-size: 1rem;
  display: inline-flex; align-items: center; gap: .55rem;
  transition: transform .25s cubic-bezier(.2,.8,.2,1), box-shadow .25s ease, gap .25s ease;
}
body.home .btn--primary-l::before,
body.home .btn--ghost-l::before {
  content: '\2192'; display: inline-block; font-weight: 700; transition: transform .25s ease;
}
body.home .btn--primary-l:hover::before,
body.home .btn--ghost-l:hover::before { transform: translateX(4px); }
body.home .btn--primary-l:hover,
body.home .btn--ghost-l:hover { gap: .8rem; }

body.home .btn--primary-l {
  background: linear-gradient(120deg, var(--l-teal) 0%, var(--l-teal-dark) 100%);
  color: #fff; box-shadow: 0 10px 30px rgba(15,157,142,.4), 0 0 0 1px rgba(255,255,255,.08) inset;
}
body.home .btn--primary-l::after {
  content: ''; position: absolute; top: 0; left: -60%; width: 40%; height: 100%; z-index: -1;
  background: linear-gradient(115deg, transparent, rgba(255,255,255,.5), transparent);
  transform: skewX(-20deg); transition: left .6s ease;
}
body.home .btn--primary-l:hover { transform: translateY(-3px) scale(1.02); box-shadow: 0 16px 40px rgba(15,157,142,.55), 0 0 0 1px rgba(255,255,255,.08) inset; }
body.home .btn--primary-l:hover::after { left: 130%; }

body.home .btn--ghost-l { background: #fff; color: var(--l-navy); border: 1.5px solid #c4d0dc; box-shadow: 0 2px 8px rgba(11,26,46,.06); }
body.home .btn--ghost-l:hover { border-color: var(--l-navy); box-shadow: 0 8px 24px rgba(11,26,46,.16); transform: translateY(-3px); }

body.home .home-hero__stats { display: flex; gap: 2.5rem; flex-wrap: wrap; }
body.home .home-hero__stat-num {
  font-family: var(--font-display); font-weight: 800; font-size: 1.9rem;
  font-variant-numeric: tabular-nums; letter-spacing: -0.01em;
  background: linear-gradient(120deg, var(--l-navy) 0%, var(--l-teal-dark) 100%);
  -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent;
}
body.home .home-hero__stat-label { font-size: .8rem; color: var(--l-text-muted); }

body.home .home-hero__card {
  position: relative; background: rgba(255,255,255,.72); backdrop-filter: blur(18px) saturate(160%);
  border: 1px solid rgba(255,255,255,.6); border-radius: 20px; padding: 2rem;
  box-shadow: 0 30px 60px rgba(11,26,46,.14), inset 0 1px 0 rgba(255,255,255,.8);
  transform-style: preserve-3d; transition: transform .15s ease, box-shadow .3s ease; will-change: transform;
}
body.home .home-hero__card::before {
  content: ''; position: absolute; inset: -1px; border-radius: 20px; padding: 1px;
  background: linear-gradient(135deg, rgba(15,157,142,.5), rgba(201,161,90,.4), transparent 60%);
  -webkit-mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
  -webkit-mask-composite: xor; mask-composite: exclude; pointer-events: none;
}
body.home .home-hero__card h3 { color: var(--l-navy); font-size: 1rem; margin-bottom: 1rem; }
body.home .rate-row { display: flex; justify-content: space-between; padding: .85rem 0; border-bottom: 1px solid var(--l-border); }
body.home .rate-row:last-child { border-bottom: none; }
body.home .rate-row__label { color: var(--l-text-muted); font-size: .9rem; }
body.home .rate-row__val { color: var(--l-teal-dark); font-weight: 700; font-size: 1.05rem; }

/* Cinematic video backgrounds — dark navy overlay, video clearly visible (matches upanddown/ccgds treatment) */
body.home .sec-bg-vid { opacity: .38; }
body.home .sec-bg-overlay--light {
  position: absolute; inset: 0; z-index: 0; pointer-events: none;
  background: linear-gradient(160deg, rgba(11,26,46,.86) 0%, rgba(11,26,46,.62) 55%, rgba(11,26,46,.88) 100%);
}
body.home .section-hasvid.section-l,
body.home .section-hasvid.section-l--alt { background: var(--l-navy); }
body.home .section-hasvid .container { position: relative; z-index: 2; }

/* Text/cards on dark video sections */
body.home .section-hasvid .section-header__eyebrow { color: #7fe3d4; }
body.home .section-hasvid .section-header h2,
body.home .section-hasvid h2 { color: #fff; }
body.home .section-hasvid .section-header p { color: #b9c8d9; }
body.home .section-hasvid .prose p { color: #c3d2e0 !important; }
body.home .section-hasvid .prose h2 { color: #fff; }
body.home .section-hasvid .card-l {
  background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.14); backdrop-filter: blur(10px);
}
body.home .section-hasvid .card-l h3 { color: #fff; }
body.home .section-hasvid .card-l p { color: #b9c8d9 !important; }
body.home .section-hasvid .card-l .card__link { color: #7fe3d4; }
body.home .section-hasvid .card-l:hover { box-shadow: 0 16px 32px rgba(0,0,0,.35); background: rgba(255,255,255,.1); }
body.home .section-hasvid .step-l h3 { color: #fff; }
body.home .section-hasvid .step-l p { color: #b9c8d9; }
body.home .section-hasvid .tab-btn { background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.25); color: #d6e4f7; }
body.home .section-hasvid .tab-btn:hover { border-color: #7fe3d4; color: #7fe3d4; }
body.home .section-hasvid .tab-btn.is-active { background: var(--l-teal); border-color: var(--l-teal); color: #fff; }
body.home .section-hasvid .faq-question-l { color: #fff; }
body.home .section-hasvid .faq-question-l svg { stroke: #b9c8d9; }
body.home .section-hasvid .faq-item-l { border-bottom-color: rgba(255,255,255,.14); }
body.home .section-hasvid .faq-answer-l p { color: #b9c8d9; }
body.home .section-hasvid .calc-widget { background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.16); backdrop-filter: blur(14px); }
body.home .section-hasvid .calc-field label { color: #fff; }

body.home .home-hero.section-hasvid { background: var(--l-navy); }
body.home .home-hero .sec-bg-overlay--hero {
  position: absolute; inset: 0; z-index: 0; pointer-events: none;
  background: linear-gradient(120deg, rgba(20,20,10,.42) 0%, rgba(11,26,46,.24) 45%, rgba(20,15,5,.5) 100%);
}
body.home .home-hero .sec-bg-vid { opacity: .82; filter: saturate(1.25) sepia(.22) hue-rotate(-8deg) brightness(1.05) contrast(1.05); }
body.home .home-hero__eyebrow,
body.home .home-hero__sub { position: relative; z-index: 1; }
body.home .home-hero h1 {
  position: relative; z-index: 1;
  background: linear-gradient(100deg, #fff 20%, #bfe9e2 55%, #fff 100%);
  -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent;
}
body.home .home-hero__ctas,
body.home .home-hero__stats { position: relative; z-index: 1; }
body.home .home-hero__stat-num {
  font-family: var(--font-display); font-weight: 800; font-size: 1.9rem;
  font-variant-numeric: tabular-nums; letter-spacing: -0.01em;
  background: linear-gradient(120deg, #fff 0%, #7fe3d4 100%);
  -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent;
}
body.home .home-hero__stat-label { color: #b9c8d9; }
body.home .home-hero .btn--ghost-l { background: rgba(255,255,255,.1); color: #fff; border-color: rgba(255,255,255,.4); backdrop-filter: blur(6px); }
body.home .home-hero .btn--ghost-l:hover { border-color: #fff; background: rgba(255,255,255,.18); }

/* Generic light section */
body.home .section-l { padding: 5rem 0; background: var(--l-bg); }
body.home .section-l--alt { background: var(--l-bg-alt); }
body.home .section-l .section-header__eyebrow { color: var(--l-teal-dark); }
body.home .section-l h2 { color: var(--l-navy); font-family: var(--font-display); font-weight: 800; letter-spacing: -0.02em; }
body.home .section-l .section-header p { color: var(--l-text-muted); }

body.home .card-l {
  background: #fff; border: 1px solid var(--l-border); border-radius: 16px; padding: 1.75rem;
  transition: box-shadow .2s ease, transform .2s ease;
}
body.home .card-l:hover { box-shadow: 0 16px 32px rgba(11,26,46,.08); transform: translateY(-2px); }
body.home .card-icon {
  width: 44px; height: 44px; border-radius: 12px; margin-bottom: 1rem;
  display: flex; align-items: center; justify-content: center;
  background: rgba(15,157,142,.1); color: var(--l-teal-dark);
}
body.home .card-icon svg { width: 22px; height: 22px; }
body.home .section-hasvid .card-icon { background: rgba(127,227,212,.14); color: #7fe3d4; }

/* Why-a-broker section */
body.home .why-broker-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 3rem; align-items: start; }
body.home .why-broker-eyebrow { font-size: .75rem; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; margin-bottom: .75rem; }
body.home .why-broker-h2 { font-size: clamp(1.5rem, 4vw, 2rem); margin-bottom: 1rem; line-height: 1.2; }
body.home .why-broker-p { color: var(--l-text-muted); margin-bottom: 1rem; line-height: 1.7; font-size: .98rem; }
body.home .why-broker-p--last { margin-bottom: 1.5rem; }
body.home .why-broker-cards .card-l { margin-bottom: 1rem; }
body.home .why-broker-cards .card-l:last-child { margin-bottom: 0; }
body.home .why-broker-card-h3 { font-size: 1.1rem; margin-bottom: .5rem; }
body.home .why-broker-card-p { font-size: .9rem; }
body.home .card-l .card__icon { background: rgba(15,157,142,.1); color: var(--l-teal-dark); }
body.home .card-l h3 { color: var(--l-navy); }
body.home .card-l p { color: var(--l-text-muted); }
body.home .card-l .card__link { color: var(--l-teal-dark); }

body.home .steps-l { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; counter-reset: step; }
body.home .step-l { position: relative; padding-top: 2.75rem; }
body.home .step-l::before {
  counter-increment: step; content: counter(step);
  position: absolute; top: 0; left: 0; width: 2.25rem; height: 2.25rem; border-radius: 50%;
  background: var(--l-teal); color: #fff; display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: .95rem;
}
body.home .step-l h3 { color: var(--l-navy); margin-bottom: .5rem; }
body.home .step-l p { color: var(--l-text-muted); }

body.home .cta-band-l {
  background: var(--l-navy); padding: 4.5rem 0; text-align: center;
}
body.home .cta-band-l h2 { color: #fff; font-family: var(--font-display); font-weight: 800; letter-spacing: -0.02em; margin-bottom: .75rem; }
body.home .cta-band-l p { color: #b9c8d9; max-width: 50ch; margin: 0 auto 2rem; }

body.home .faq-list-l { max-width: 780px; margin: 0 auto; }
body.home .faq-item-l { border-bottom: 1px solid var(--l-border); }
body.home .faq-question-l {
  width: 100%; display: flex; justify-content: space-between; align-items: center;
  background: none; border: none; text-align: left; padding: 1.35rem 0; cursor: pointer;
  font-size: 1.02rem; font-weight: 500; color: var(--l-navy);
}
body.home .faq-question-l svg { width: 18px; height: 18px; stroke: var(--l-text-muted); flex-shrink: 0; transition: transform .2s ease; }
body.home .faq-item-l.open .faq-question-l svg { transform: rotate(45deg); }
body.home .faq-answer-l { max-height: 0; overflow: hidden; transition: max-height .25s ease; }
body.home .faq-item-l.open .faq-answer-l { max-height: 400px; }
body.home .faq-answer-l p { color: var(--l-text-muted); padding-bottom: 1.35rem; line-height: 1.6; }

body.home .home-trustbar { background: var(--l-bg-alt); border-top: 1px solid var(--l-border); border-bottom: 1px solid var(--l-border); padding: 2.5rem 0; }
body.home .home-trustbar__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; text-align: center; }
body.home .home-trustbar__num { font-family: var(--font-display); font-weight: 800; font-size: 2rem; font-variant-numeric: tabular-nums; letter-spacing: -0.01em; color: var(--l-navy); }
body.home .home-trustbar__label { font-size: .8rem; color: var(--l-text-muted); text-transform: uppercase; letter-spacing: .04em; }

body.home .site-footer { background: #0d1c2f; }

/* Scroll reveal */
body.home .reveal { opacity: 0; transform: translateY(24px); transition: opacity .6s ease, transform .6s ease; }
body.home .reveal.is-visible { opacity: 1; transform: translateY(0); }

/* Live calculator */
body.home .calc-widget {
  background: #fff; border: 1px solid var(--l-border); border-radius: 20px;
  box-shadow: 0 24px 48px rgba(11,26,46,.08); overflow: hidden; max-width: 960px; margin: 0 auto;
  display: grid; grid-template-columns: 1fr 1fr;
}
body.home .calc-widget__inputs { padding: 2.5rem; }
body.home .calc-field { margin-bottom: 1.5rem; }
body.home .calc-field label { display: flex; justify-content: space-between; font-size: .85rem; font-weight: 600; color: var(--l-navy); margin-bottom: .6rem; }
body.home .calc-field label span.calc-val { color: var(--l-teal-dark); font-weight: 700; }
body.home .calc-field input[type=range] {
  -webkit-appearance: none; width: 100%; height: 6px; border-radius: 999px;
  background: var(--l-border); outline: none;
}
body.home .calc-field input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 20px; height: 20px; border-radius: 50%;
  background: var(--l-teal); cursor: pointer; border: 3px solid #fff; box-shadow: 0 2px 8px rgba(11,26,46,.25);
}
body.home .calc-field input[type=range]::-moz-range-thumb {
  width: 20px; height: 20px; border-radius: 50%; background: var(--l-teal); cursor: pointer;
  border: 3px solid #fff; box-shadow: 0 2px 8px rgba(11,26,46,.25);
}
body.home .calc-widget__result {
  background: var(--l-navy); padding: 2.5rem; display: flex; flex-direction: column; justify-content: center; color: #fff;
}
body.home .calc-widget__result-label { font-size: .8rem; letter-spacing: .08em; text-transform: uppercase; color: #8fa5bd; margin-bottom: .5rem; }
body.home .calc-widget__result-num { font-family: var(--font-display); font-weight: 800; letter-spacing: -0.02em; font-size: 3rem; margin-bottom: 1.5rem; transition: opacity .15s ease; }
body.home .calc-widget__breakdown { display: flex; flex-direction: column; gap: .6rem; margin-bottom: 1.75rem; }
body.home .calc-widget__breakdown-row { display: flex; justify-content: space-between; font-size: .85rem; color: #b9c8d9; border-bottom: 1px solid rgba(255,255,255,.1); padding-bottom: .6rem; }
body.home .calc-widget__breakdown-row span:last-child { color: #fff; font-weight: 600; }
body.home .calc-widget__note { font-size: .75rem; color: #8fa5bd; margin-top: auto; }

/* Tabbed service explorer */
body.home .tabs-nav { display: flex; gap: .5rem; flex-wrap: wrap; justify-content: center; margin-bottom: 2.5rem; }
body.home .tab-btn {
  background: #fff; border: 1.5px solid #c4d0dc; border-radius: 999px; padding: .65rem 1.4rem;
  font-size: .88rem; font-weight: 600; color: var(--l-text); cursor: pointer; transition: all .2s ease;
  box-shadow: 0 2px 8px rgba(11,26,46,.06);
}
body.home .tab-btn:hover { border-color: var(--l-teal); color: var(--l-teal-dark); }
body.home .tab-btn.is-active { background: var(--l-navy); border-color: var(--l-navy); color: #fff; }
body.home .tab-panel { display: none; }
body.home .tab-panel.is-active { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; animation: fadeIn .35s ease; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: translateY(0); } }

/* Sticky comparison widget */
body.home .sticky-compare {
  position: fixed; right: 1.5rem; bottom: -120px; z-index: 90; width: 260px;
  background: #fff; border: 1px solid var(--l-border); border-radius: 16px; padding: 1.25rem;
  box-shadow: 0 16px 40px rgba(11,26,46,.16); transition: bottom .35s ease;
}
body.home .sticky-compare.is-visible { bottom: 1.5rem; }
body.home .sticky-compare__close {
  position: absolute; top: .5rem; right: .5rem; width: 22px; height: 22px; border-radius: 50%;
  background: var(--l-bg-alt); border: 1px solid #c4d0dc; color: var(--l-navy);
  cursor: pointer; font-size: 1rem; line-height: 1; display: flex; align-items: center; justify-content: center;
}
body.home .sticky-compare h4 { font-size: .82rem; color: var(--l-navy); margin-bottom: .75rem; padding-right: 1rem; }
body.home .sticky-compare .rate-row { padding: .5rem 0; }
body.home .sticky-compare .rate-row__label { font-size: .78rem; }
body.home .sticky-compare .rate-row__val { font-size: .88rem; }
body.home .sticky-compare a { display: block; text-align: center; margin-top: .75rem; background: var(--l-teal); color: #fff; border-radius: 999px; padding: .6rem; font-size: .82rem; font-weight: 600; }

/* Mobile-first cleanup */
@media (max-width: 860px) {
  body.home .home-hero__grid { grid-template-columns: 1fr; }
  body.home .steps-l { grid-template-columns: 1fr; }
  body.home .home-trustbar__grid { grid-template-columns: repeat(2, 1fr); }
  body.home .grid-3 { grid-template-columns: 1fr; }
  body.home .calc-widget { grid-template-columns: 1fr; }
  body.home .tab-panel.is-active { grid-template-columns: 1fr; }
  body.home .sticky-compare { display: none; }
  body.home .why-broker-grid { grid-template-columns: 1fr; gap: 2rem; }
  body.home .section-l { padding: 3.25rem 0; }
  body.home .home-hero:not(.home-hero--full) { padding: 5.5rem 0 3rem; min-height: 92vh; }
  body.home .home-hero--full { min-height: 100svh; }
  body.home .home-hero__stats { gap: 1.5rem; }
  body.home .home-hero__card { padding: 1.5rem; }
  body.home .tabs-nav { gap: .4rem; }
  body.home .tab-btn { padding: .55rem 1.05rem; font-size: .8rem; }
  body.home .btn--primary-l, body.home .btn--ghost-l { padding: .85rem 1.6rem; font-size: .92rem; width: 100%; justify-content: center; }
  body.home .home-hero__ctas { flex-direction: column; }
  body.home .home-hero__ctas a { width: 100%; }
  body.home .cta-band__btns { flex-direction: column; }
  body.home .cta-band__btns a { width: 100%; }
  /* --mobile-cta-h is the single source of truth for the bar's footprint --
     body padding and the bar itself both derive from it so they can't drift
     out of sync (previously two independent hardcoded 68px numbers, and
     neither accounted for the iOS home-indicator safe area). */
  body.home { --mobile-cta-h: 76px; padding-bottom: calc(var(--mobile-cta-h) + env(safe-area-inset-bottom, 0px)); }
  /* Without this, mobile browsers' native "scroll input into view" (fired on
     focus of the last few fields) stops right at the viewport edge, leaving
     the field or submit button hidden underneath the fixed mobile-cta-bar. */
  body.home .hero-form-card,
  body.home .hero-lead-form__row,
  body.home .hero-lead-form__consent,
  body.home .hero-lead-form__submit {
    scroll-margin-bottom: calc(var(--mobile-cta-h) + env(safe-area-inset-bottom, 0px) + 16px);
  }
  body.home .mobile-cta-bar {
    display: flex; position: fixed; left: 0; right: 0; bottom: 0; z-index: 95;
    min-height: var(--mobile-cta-h); box-sizing: border-box;
    background: rgba(11,26,46,.97); backdrop-filter: blur(10px);
    padding: .65rem .9rem calc(.65rem + env(safe-area-inset-bottom, 0px));
    align-items: center; gap: .75rem;
    box-shadow: 0 -8px 24px rgba(0,0,0,.25);
  }
  body.home .mobile-cta-bar__text { color: #fff; font-size: .78rem; line-height: 1.25; flex: 1; }
  body.home .mobile-cta-bar__text strong { display: block; font-size: .88rem; }
  body.home .mobile-cta-bar a {
    background: var(--l-teal); color: #fff; font-weight: 700; font-size: .85rem;
    padding: .65rem 1.1rem; border-radius: 999px; white-space: nowrap;
  }
}
@media (min-width: 861px) {
  body.home .mobile-cta-bar { display: none; }
}