/* Insight Mortgage Solutions — static rebuild */
:root{
  --brand:#015c88; --brand-dk:#014466; --brand-lt:#e8f2f7; --accent:#f0a500;
  --ink:#1f2a33; --muted:#5b6b78; --line:#dfe6ea; --bg:#fff; --bg-alt:#f5f8fa;
  --radius:6px; --wrap:1140px;
  --font:"Open Sans",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:16px/1.7 var(--font);color:var(--ink);background:var(--bg)}
img{max-width:100%;height:auto;display:block}
a{color:var(--brand)}
a:hover{color:var(--brand-dk)}
h1,h2,h3,h4{line-height:1.25;color:var(--brand-dk);margin:0 0 .6em}
h2{font-size:1.8rem} h3{font-size:1.35rem} h4{font-size:1.05rem}
p{margin:0 0 1em}
ul{padding-left:1.2em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 16px}
.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:8px;z-index:99;background:#fff;padding:8px}

/* Header */
.topbar{background:var(--brand);color:#fff;font-size:.85rem}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;padding-top:6px;padding-bottom:6px}
.topbar a{color:#fff;text-decoration:none}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.nav-row{display:flex;align-items:center;justify-content:space-between;min-height:84px;gap:16px}
.logo img{max-height:64px;width:auto}
.logo .logo-text{font-weight:700;font-size:1.25rem;color:var(--brand);text-decoration:none}
#nav ul{list-style:none;margin:0;padding:0}
#nav>ul{display:flex;gap:4px}
#nav a{display:block;padding:10px 14px;text-decoration:none;color:var(--ink);font-weight:600;font-size:.95rem;border-radius:var(--radius)}
#nav a:hover,#nav a.active{color:var(--brand);background:var(--brand-lt)}
#nav .has-sub{position:relative}
#nav .has-sub>ul{position:absolute;top:100%;left:0;min-width:220px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 8px 24px rgba(0,0,0,.08);display:none;padding:6px}
#nav .has-sub:hover>ul,#nav .has-sub:focus-within>ul{display:block}
.nav-toggle{display:none;background:var(--brand);color:#fff;border:0;border-radius:var(--radius);padding:10px 14px;font:600 .95rem var(--font);cursor:pointer}
@media (max-width:900px){
  .nav-toggle{display:block}
  #nav{position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);display:none}
  #nav.open{display:block}
  #nav>ul{flex-direction:column;padding:8px 16px 16px}
  #nav .has-sub>ul{position:static;display:block;border:0;box-shadow:none;padding:0 0 0 16px}
}

/* Hero slider */
.hero{position:relative;overflow:hidden;color:#fff;background:var(--brand-dk)}
.slide{min-height:440px;display:none;align-items:center;background-color:var(--brand-dk);background-position:center;background-size:cover;background-repeat:no-repeat}
.slide.on{display:flex;animation:fade .7s}
.slide .wrap{width:100%;text-align:center}
@keyframes fade{from{opacity:.3}to{opacity:1}}
.slide h2{color:#fff;font-size:clamp(2rem,5vw,3.2rem);margin-bottom:.2em}
.slide p{font-size:clamp(1.1rem,2.4vw,1.5rem);margin-bottom:1.4em;opacity:.95}
.dots{position:absolute;bottom:18px;left:0;right:0;display:flex;justify-content:center;gap:8px}
.dots button{width:12px;height:12px;border-radius:50%;border:2px solid #fff;background:transparent;padding:0;cursor:pointer}
.dots button.on{background:#fff}

/* Buttons */
.btn{display:inline-block;background:var(--brand);color:#fff;border:0;border-radius:var(--radius);padding:12px 26px;font:600 1rem var(--font);text-decoration:none;cursor:pointer}
.btn:hover{background:var(--brand-dk);color:#fff}
.btn-light{background:#fff;color:var(--brand)}
.btn-light:hover{background:var(--brand-lt);color:var(--brand-dk)}
.btn-ghost{background:transparent;border:2px solid var(--brand);color:var(--brand)}

/* Page title */
.page-title{background:var(--brand-lt);padding:36px 0;border-bottom:1px solid var(--line)}
.page-title h1{margin:0 0 4px;font-size:2rem}
.crumbs{font-size:.85rem;color:var(--muted)}
.crumbs a{color:var(--muted)}

/* Sections */
section{padding:56px 0}
.alt{background:var(--bg-alt)}
.center{text-align:center}
.lead{font-size:1.15rem;max-width:760px;margin:0 auto 1.4em;color:var(--muted)}
.subnav{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 8px;padding:0;list-style:none}
.subnav a{display:block;padding:8px 14px;border:1px solid var(--line);border-radius:999px;text-decoration:none;font-size:.9rem;font-weight:600;background:#fff}
.subnav a:hover{border-color:var(--brand);background:var(--brand-lt)}
.block{padding:40px 0;border-top:1px solid var(--line);scroll-margin-top:100px}
.block:first-of-type{border-top:0}
.split{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start}
.split figure{margin:0}
.split img{border-radius:var(--radius)}
@media (max-width:800px){.split{grid-template-columns:1fr}}
.callout{background:var(--brand-lt);border-left:4px solid var(--brand);padding:16px 20px;border-radius:var(--radius);margin:1em 0}
.note{font-weight:600}
.video{position:relative;padding-top:56.25%;border-radius:var(--radius);overflow:hidden;background:#000}
.video iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.values dt{font-weight:700;color:var(--brand-dk);margin-top:1em}
.values dd{margin:0}
.team{display:grid;gap:28px}
.member{display:grid;grid-template-columns:160px 1fr;gap:24px;align-items:start}
.member img{border-radius:var(--radius)}
@media (max-width:600px){.member{grid-template-columns:1fr}.member img{max-width:160px}}
.checklist{columns:2;gap:32px}
@media (max-width:600px){.checklist{columns:1}}

/* Info strip */
.info-strip{background:var(--bg-alt);border-top:1px solid var(--line)}
.info-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.info{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;text-align:center}
.info img{width:80px;height:80px;margin:0 auto 12px}
.info h3{margin-bottom:.3em}
@media (max-width:800px){.info-grid{grid-template-columns:1fr}}

/* Forms */
.enquiry{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.enquiry label{display:block;font-weight:600;font-size:.92rem;margin-bottom:14px}
.enquiry input:not([type=checkbox]),.enquiry select,.enquiry textarea{display:block;width:100%;margin-top:4px;padding:10px 12px;border:1px solid #c9d4da;border-radius:var(--radius);font:1rem var(--font);background:#fff}
.enquiry input:focus,.enquiry select:focus,.enquiry textarea:focus{outline:2px solid var(--brand);border-color:var(--brand)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:0 16px}
@media (max-width:600px){.grid2{grid-template-columns:1fr}}
.consent{display:flex!important;gap:10px;align-items:flex-start;font-weight:400!important}
.consent input{margin-top:5px;flex:none}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-msg{margin-top:14px;padding:12px 16px;border-radius:var(--radius);display:none}
.form-msg.ok{display:block;background:#e6f6ec;color:#17603a}
.form-msg.err{display:block;background:#fdecea;color:#8a1f17}

/* Calculator */
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;max-width:560px}
.calc .row{display:flex;align-items:center;gap:8px;margin-bottom:14px;flex-wrap:wrap}
.calc label{font-weight:600;min-width:150px}
.calc input[type=number]{width:160px;padding:9px 10px;border:1px solid #c9d4da;border-radius:var(--radius);font:1rem var(--font)}
.calc .radios{display:flex;gap:18px;margin:6px 0 16px}
.calc .radios label{min-width:0;font-weight:400}
.calc-out{margin-top:16px;padding:16px;background:var(--brand-lt);border-radius:var(--radius);font-size:1.1rem}
.calc-out strong{font-size:1.5rem;color:var(--brand-dk)}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1fr 1.4fr;gap:40px}
@media (max-width:800px){.contact-grid{grid-template-columns:1fr}}
.map{border:0;width:100%;height:340px;border-radius:var(--radius)}
address{font-style:normal;margin-bottom:1em}

/* Footer */
.site-footer{background:#0d2a3a;color:#c7d6df;font-size:.92rem}
.site-footer a{color:#fff;text-decoration:none}
.site-footer a:hover{text-decoration:underline}
.site-footer h4{color:#fff}
.footer-cols{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;padding-top:48px;padding-bottom:32px}
.footer-cols ul{list-style:none;padding:0;margin:0}
.footer-cols li{margin-bottom:6px}
.social{display:flex;gap:10px;flex-wrap:wrap}
.social a{border:1px solid rgba(255,255,255,.3);border-radius:var(--radius);padding:6px 12px}
@media (max-width:800px){.footer-cols{grid-template-columns:1fr}}
.legal{border-top:1px solid rgba(255,255,255,.12);padding-top:24px;padding-bottom:16px;font-size:.85rem}
.legal .warn{font-weight:700;color:#fff}
.copy{display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px;padding-top:12px;padding-bottom:24px;font-size:.8rem;border-top:1px solid rgba(255,255,255,.12)}
.to-top{position:fixed;right:16px;bottom:16px;width:44px;height:44px;border-radius:50%;background:var(--brand);color:#fff;display:flex;align-items:center;justify-content:center;text-decoration:none;font-size:1.3rem;opacity:0;pointer-events:none;transition:opacity .3s}
.to-top.show{opacity:1;pointer-events:auto}