:root{
  --ink:#17183D; --ink-2:#23255A; --indigo:#393C8E; --gold:#B8913A; --gold-soft:#E9DDBF;
  --paper:#FBFAF7; --white:#FFFFFF; --stone:#F2F0EA; --line:#E4E1D8; --line-dark:rgba(255,255,255,.14);
  --body:#4D4F66; --muted:#85879C;
  --h:'Cormorant Garamond',Georgia,serif; --b:'Jost',system-ui,sans-serif;
  --wrap:1200px; --ease:cubic-bezier(.25,.7,.25,1);
}
*{box-sizing:border-box;margin:0;padding:0}
html{overflow-x:clip}
body{font-family:var(--b);font-weight:400;font-size:17px;line-height:1.7;color:var(--body);background:var(--paper);-webkit-font-smoothing:antialiased}
img{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
button,input,select,textarea{font:inherit;color:inherit}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
.wrap{max-width:var(--wrap);margin:0 auto;padding-left:32px;padding-right:32px}
h1,h2,h3,h4{font-family:var(--h);font-weight:500;color:var(--ink);letter-spacing:-.01em;line-height:1.08}
h1{font-size:clamp(46px,5.6vw,80px)}
h2{font-size:clamp(36px,3.8vw,54px)}
h3{font-size:28px;line-height:1.2}
h1 em,h2 em{font-style:italic;color:var(--indigo)}
.lead{font-size:19px;line-height:1.7;font-weight:300;color:var(--body)}
.kicker{display:inline-flex;align-items:center;gap:12px;font-size:14px;letter-spacing:.04em;color:var(--gold);margin-bottom:22px}
.kicker::before{content:"";width:32px;height:1px;background:currentColor}
.on-dark .kicker{color:var(--gold-soft)}
.btn{display:inline-flex;align-items:center;justify-content:center;height:54px;padding:0 30px;border-radius:2px;font-size:15px;font-weight:500;letter-spacing:.03em;border:1px solid transparent;cursor:pointer;transition:background .3s,color .3s,border-color .3s;white-space:nowrap}
.btn-ink{background:var(--ink);color:#fff}.btn-ink:hover{background:var(--indigo)}
.btn-line{border-color:var(--ink);color:var(--ink)}.btn-line:hover{background:var(--ink);color:#fff}
.btn-light{background:#fff;color:var(--ink)}.btn-light:hover{background:var(--gold-soft)}
.btn-ghost{border-color:rgba(255,255,255,.4);color:#fff}.btn-ghost:hover{border-color:#fff}
.link{display:inline-flex;gap:8px;font-size:15px;font-weight:500;color:var(--ink);border-bottom:1px solid var(--gold);padding-bottom:3px;transition:color .2s}
.link:hover{color:var(--indigo)}
.sec{padding:130px 0}
.sec-sm{padding:90px 0}
.js .rv{opacity:0;transform:translateY(14px);transition:opacity 1s var(--ease),transform 1s var(--ease)}
.js .rv.in{opacity:1;transform:none}
.photo{overflow:hidden;background:var(--stone)}
.photo img{width:100%;height:100%;object-fit:cover;transition:transform 1.4s var(--ease)}

/* header */
.topbar{background:var(--ink);color:#B9BAD3;font-size:13.5px}
.topbar .wrap{display:flex;justify-content:space-between;gap:20px;height:40px;align-items:center}
.topbar a:hover{color:#fff}
.topbar .r{display:flex;gap:26px}
header{position:sticky;top:0;z-index:50;background:rgba(23,24,61,.97);backdrop-filter:blur(10px);border-bottom:1px solid var(--line-dark)}
header .wrap{display:flex;align-items:center;justify-content:space-between;height:84px;gap:24px}
.logo img{height:46px;width:auto}
nav.main{display:flex;gap:28px}
nav.main a{color:#C9CAE0;font-size:15px;white-space:nowrap;letter-spacing:.02em;padding:6px 0;border-bottom:1px solid transparent;transition:color .2s,border-color .2s}
nav.main a:hover{color:#fff}
nav.main a.active{color:#fff;border-color:var(--gold)}
header .btn{height:46px;padding:0 22px}
.menu-btn{display:none;background:none;border:1px solid var(--line-dark);width:46px;height:46px;cursor:pointer;place-items:center}
.mob{position:fixed;inset:0;z-index:49;background:var(--ink);padding:150px 32px 40px;display:flex;flex-direction:column;gap:6px;opacity:0;pointer-events:none;transition:opacity .3s}
.mob.open{opacity:1;pointer-events:auto}
.mob a{font-family:var(--h);font-size:36px;color:#fff;padding:8px 0;border-bottom:1px solid var(--line-dark)}
.mob .btn{font-family:var(--b);font-size:15px;margin-top:28px;border:0;color:var(--ink);flex-shrink:0}

/* home hero */
.hero{padding:90px 0 110px}
.hero-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:72px;align-items:center}
.hero .lead{margin-top:28px;max-width:500px}
.hero .btns{display:flex;gap:12px;margin-top:40px;flex-wrap:wrap}
.hero-media{position:relative}
.hero-media .photo{aspect-ratio:4/5;border-radius:2px}
.adviser{position:absolute;left:-48px;bottom:44px;background:#fff;display:flex;align-items:center;gap:16px;padding:16px 26px 16px 16px;box-shadow:0 24px 50px -24px rgba(23,24,61,.35)}
.adviser img{width:64px;height:64px;border-radius:50%;object-fit:cover}
.adviser b{display:block;font-family:var(--h);font-size:22px;font-weight:500;color:var(--ink);line-height:1.2}
.adviser span{font-size:13.5px;color:var(--muted)}
.trust{display:flex;gap:20px 30px;flex-wrap:wrap;margin-top:56px;padding-top:28px;border-top:1px solid var(--line);font-size:14px;color:var(--muted)}
.trust b{display:block;color:var(--ink);font-weight:500;font-size:15px}

/* loan list */
.head{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:end;margin-bottom:64px}
.head .lead{justify-self:end;max-width:460px}
.loan-wrap{display:grid;grid-template-columns:1.25fr .75fr;gap:64px;align-items:start}
.loan-list{list-style:none;border-top:1px solid var(--line)}
.loan-list a{display:grid;grid-template-columns:56px 1fr auto;gap:20px;align-items:baseline;padding:28px 0;border-bottom:1px solid var(--line);transition:padding .4s var(--ease)}
.loan-list .n{font-family:var(--h);font-style:italic;font-size:20px;color:var(--gold)}
.loan-list h3{font-size:32px;transition:color .3s}
.loan-list p{font-size:15.5px;color:var(--muted);margin-top:4px}
.loan-list .go{font-size:14px;font-weight:500;color:var(--ink);opacity:0;transform:translateX(-6px);transition:opacity .3s,transform .4s var(--ease)}
.loan-list a:hover{padding-left:12px}
.loan-list a:hover h3{color:var(--indigo)}
.loan-list a:hover .go{opacity:1;transform:none}
.loan-list .thumb{display:none}
.loan-preview{position:sticky;top:130px;aspect-ratio:4/5}
.loan-preview img{position:absolute;inset:0;opacity:0;transition:opacity .6s var(--ease)}
.loan-preview img.on{opacity:1}

/* split feature */
.split{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}
.split .photo{aspect-ratio:5/4}
.split .lead{margin:24px 0 34px;max-width:480px}
.mini-calc{background:#fff;border:1px solid var(--line);padding:30px;margin-top:-90px;margin-left:56px;position:relative;box-shadow:0 30px 60px -40px rgba(23,24,61,.4)}
.mini-calc small{color:var(--muted);font-size:14px}
.mini-calc .num{font-family:var(--h);font-size:52px;color:var(--ink);line-height:1.1}

/* pillars */
.stone{background:var(--stone)}
.pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-top:1px solid var(--line)}
.pillar{padding:44px 40px 10px 0}
.pillar+.pillar{padding-left:40px;border-left:1px solid var(--line)}
.pillars.four{grid-template-columns:repeat(4,1fr)}
.pillar .n{font-family:var(--h);font-style:italic;font-size:22px;color:var(--gold)}
.pillar h3{margin:14px 0 12px}

/* about teaser */
.portrait{position:relative;max-width:440px}
.portrait .photo{aspect-ratio:1/1.05}
.portrait .frame{position:absolute;inset:22px -22px -22px 22px;border:1px solid var(--gold);z-index:-1}
.creds{list-style:none;margin-top:34px;border-top:1px solid var(--line)}
.creds li{display:flex;justify-content:space-between;gap:24px;padding:16px 0;border-bottom:1px solid var(--line);font-size:15.5px}
.creds li span{color:var(--muted)}
.creds li b{font-weight:500;color:var(--ink);text-align:right}
.members{display:flex;gap:14px;align-items:center;margin-top:28px;flex-wrap:wrap}
.members small{color:var(--muted);font-size:14px;margin-right:6px}
.members img{height:40px;width:auto;border:1px solid var(--line);background:#fff;padding:5px 8px}

/* CTA band */
.band{position:relative;color:#C9CAE0;overflow:hidden}
.band .bg{position:absolute;inset:0}
.band .bg img{width:100%;height:100%;object-fit:cover}
.band .bg::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(23,24,61,.94) 0%,rgba(23,24,61,.82) 50%,rgba(23,24,61,.45) 100%)}
.band .wrap{position:relative;padding-top:130px;padding-bottom:130px}
.band h2{color:#fff;max-width:640px}
.band .lead{color:#C9CAE0;max-width:520px;margin:22px 0 38px}
.band .btns{display:flex;gap:12px;flex-wrap:wrap}

/* page hero */
.phero{padding:80px 0 70px;border-bottom:1px solid var(--line)}
.crumbs{font-size:14px;color:var(--muted);margin-bottom:26px}
.crumbs a{color:var(--ink)}.crumbs a:hover{color:var(--indigo)}
.phero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:72px;align-items:end}
.phero .lead{max-width:460px}
.wide-photo{aspect-ratio:21/8;margin-top:0}

/* loans index */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:48px 32px}
.card .photo{aspect-ratio:4/3;margin-bottom:24px}
.card:hover .photo img{transform:scale(1.04)}
.card h3{font-size:30px;margin-bottom:8px;transition:color .3s}
.card:hover h3{color:var(--indigo)}
.card p{font-size:16px;margin-bottom:16px}

/* loan detail */
.detail{display:grid;grid-template-columns:1fr 360px;gap:90px;align-items:start}
.detail h2{font-size:38px;margin:64px 0 22px}
.detail h2:first-of-type{margin-top:0}
.ticks{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:0 40px;border-top:1px solid var(--line)}
.ticks li{padding:18px 0 18px 30px;border-bottom:1px solid var(--line);position:relative;color:var(--ink)}
.ticks li::before{content:"";position:absolute;left:2px;top:28px;width:12px;height:6px;border-left:1.5px solid var(--gold);border-bottom:1.5px solid var(--gold);transform:rotate(-45deg)}
.note{border-left:2px solid var(--gold);padding:6px 0 6px 26px;font-size:16.5px}
.note p+p{margin-top:12px}
aside.side{position:sticky;top:130px;display:flex;flex-direction:column;gap:20px}
.side-card{background:var(--ink);color:#C9CAE0;padding:36px}
.side-card h3{color:#fff;font-size:30px;margin-bottom:10px}
.side-card .btn{width:100%;margin-top:24px}
.side-card .ph{display:flex;align-items:center;gap:14px;margin-top:22px;padding-top:22px;border-top:1px solid var(--line-dark)}
.side-card .ph img{width:52px;height:52px;border-radius:50%;object-fit:cover}
.side-card .ph b{display:block;color:#fff;font-weight:500}
.side-list{border:1px solid var(--line);background:#fff;padding:30px}
.side-list h4{font-size:22px;margin-bottom:12px}
.side-list a{display:block;padding:10px 0;border-bottom:1px solid var(--line);font-size:15.5px;color:var(--ink)}
.side-list a:last-child{border:0}
.side-list a:hover{color:var(--indigo)}
.disclaimer{font-size:14px;color:var(--muted);background:var(--stone);padding:22px 26px;margin-top:56px}

/* faq */
.faq{border-top:1px solid var(--line)}
.q{border-bottom:1px solid var(--line)}
.q button{width:100%;display:flex;justify-content:space-between;gap:24px;align-items:center;background:none;border:0;cursor:pointer;text-align:left;padding:24px 0;font-family:var(--h);font-size:24px;font-weight:500;color:var(--ink)}
.q .pm{position:relative;width:14px;height:14px;flex:none}
.q .pm::before,.q .pm::after{content:"";position:absolute;left:0;top:6.5px;width:14px;height:1px;background:var(--ink);transition:transform .4s var(--ease)}
.q .pm::after{transform:rotate(90deg)}
.q.open .pm::after{transform:rotate(0)}
.q .a{display:grid;grid-template-rows:0fr;transition:grid-template-rows .5s var(--ease)}
.q.open .a{grid-template-rows:1fr}
.q .a>div{overflow:hidden}
.q .a p{padding:0 40px 26px 0}

/* calculator */
.calc{display:grid;grid-template-columns:1.1fr .9fr;border:1px solid var(--line);background:#fff}
.calc-in{padding:48px}
.calc-out{background:var(--ink);color:#C9CAE0;padding:48px;display:flex;flex-direction:column;gap:30px}
.field{margin-bottom:30px}
.field .top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:12px}
.field label{font-size:15px;color:var(--ink)}
.field output{font-family:var(--h);font-size:26px;color:var(--ink)}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:2px;background:linear-gradient(90deg,var(--ink) var(--p,50%),var(--line) var(--p,50%));outline:none;cursor:pointer}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:18px;height:18px;border-radius:50%;background:#fff;border:1.5px solid var(--ink);transition:transform .2s}
input[type=range]:hover::-webkit-slider-thumb{transform:scale(1.15)}
input[type=range]::-moz-range-thumb{width:16px;height:16px;border-radius:50%;background:#fff;border:1.5px solid var(--ink)}
.seg{display:flex;border:1px solid var(--line)}
.seg button{flex:1;background:none;border:0;padding:12px;cursor:pointer;font-size:14.5px;color:var(--body);transition:background .3s,color .3s}
.seg button+button{border-left:1px solid var(--line)}
.seg button.on{background:var(--ink);color:#fff}
.calc-out small{font-size:14.5px}
.calc-out .num{font-family:var(--h);font-size:clamp(60px,6vw,84px);line-height:1;color:#fff;margin-top:8px}
.rows{list-style:none;border-top:1px solid var(--line-dark)}
.rows li{display:flex;justify-content:space-between;padding:14px 0;border-bottom:1px solid var(--line-dark);font-size:15.5px}
.rows b{color:#fff;font-weight:500}
.bar{height:6px;background:rgba(255,255,255,.14);display:flex}
.bar i{display:block;height:100%;background:var(--gold-soft);transition:width .6s var(--ease)}
.legend{display:flex;gap:22px;font-size:13.5px;margin-top:10px}
.legend span::before{content:"";display:inline-block;width:9px;height:9px;margin-right:8px;background:var(--gold-soft)}
.legend span+span::before{background:rgba(255,255,255,.25)}
.fine{font-size:13.5px;color:var(--muted);margin-top:22px;max-width:820px}

/* contact */
.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:90px;align-items:start}
.c-list{list-style:none;border-top:1px solid var(--line);margin-top:36px}
.c-list li{padding:20px 0;border-bottom:1px solid var(--line)}
.c-list small{display:block;font-size:13.5px;color:var(--muted)}
.c-list a,.c-list span{font-family:var(--h);font-size:26px;color:var(--ink)}
.c-list a:hover{color:var(--indigo)}
form.form{background:#fff;border:1px solid var(--line);padding:48px;display:grid;gap:18px}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.form label{display:flex;flex-direction:column;gap:8px;font-size:14px;color:var(--ink)}
.form input,.form select,.form textarea{border:0;border-bottom:1px solid var(--line);background:none;padding:10px 0;font-size:16.5px;color:var(--ink);outline:none;border-radius:0;transition:border-color .2s}
.form input:focus,.form select:focus,.form textarea:focus{border-color:var(--ink)}
.form .btn{justify-self:start;margin-top:10px}
.form .ok{display:none;color:var(--indigo);font-weight:500}
.form.sent .ok{display:block}
.form .err{color:#A3341F;font-size:15px}.form .err:empty{display:none}
.form .hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form .ts:empty{display:none}
.form .small{font-size:13.5px;color:var(--muted)}

/* footer */
footer{background:var(--ink);color:#A3A5C4;font-size:15px}
.f-top{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:48px;padding:90px 0 60px}
footer h4{font-family:var(--b);font-size:13.5px;letter-spacing:.06em;font-weight:500;color:var(--gold-soft);margin-bottom:18px}
footer ul{list-style:none;display:flex;flex-direction:column;gap:10px}
footer a:hover{color:#fff}
footer .logo img{height:50px}
.legal{border-top:1px solid var(--line-dark);padding:28px 0 40px;font-size:13px;line-height:1.75;display:flex;flex-direction:column;gap:6px}
.legal .links{display:flex;gap:24px;flex-wrap:wrap;margin-top:6px}

/* to-confirm placeholders (remove before launch) */
@media(max-width:1060px){.mob-c{text-align:center}}
.prose h3{font-size:24px;margin:34px 0 10px}.prose p{margin:0 0 14px}.prose .c-list{margin-top:18px}
.loc-map{display:grid;grid-template-columns:1.5fr 1fr;gap:40px;align-items:center;margin-top:56px}
.loc-map-frame{position:relative;aspect-ratio:16/10;max-width:100%;background:var(--stone);border:1px solid var(--line);border-radius:2px;overflow:hidden}
.loc-map-frame iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.loc-map-fallback{position:absolute;inset:0;display:flex;align-items:center;justify-content:center;color:var(--muted);font-size:14px}
.loc-map-text h3{font-size:30px;margin:12px 0 12px}.loc-map-text p{margin-bottom:18px}
@media(max-width:1060px){.loc-map{grid-template-columns:1fr;gap:28px;text-align:center}.loc-map-text .kicker{justify-content:center}}

/* lender strip */
.lenders{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:34px 0 38px}
.lenders .lab{display:flex;justify-content:space-between;align-items:baseline;gap:8px 24px;flex-wrap:wrap;margin-bottom:22px}
.lenders .lab span{font-size:14px;color:var(--muted)}
.marquee{overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.marquee .track{display:flex;width:max-content;animation:slide 70s linear infinite}
.marquee:hover .track{animation-play-state:paused}
.lender{flex:none;display:grid;place-items:center;height:56px;padding:0 36px;border-left:1px solid var(--line)}
.lender img{height:calc(32px * var(--s,1));width:auto;max-width:150px;object-fit:contain}
.lender .wm{font-weight:500;font-size:19px;color:#5D5F75;white-space:nowrap}
@keyframes slide{to{transform:translateX(-50%)}}

/* service area */
.pillars.two{grid-template-columns:1fr 1fr}
/* office cards on the home page: Brisbane navy, Grafton light */
.offices{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.office{display:flex;flex-direction:column;align-items:flex-start;padding:44px 40px;background:#fff;border:1px solid var(--line);border-radius:2px;transition:transform .35s var(--ease),box-shadow .35s var(--ease)}
.office:hover{transform:translateY(-4px);box-shadow:0 26px 50px -28px rgba(23,24,61,.4)}
.office .n{font-family:var(--h);font-style:italic;font-size:22px;color:var(--gold)}
.office h3{font-size:38px;margin:10px 0 12px}
.office p{color:var(--body);margin-bottom:26px}
.office .link{margin-top:auto}
.office.navy{background:var(--ink);border-color:var(--ink)}
.office.navy h3,.office.navy .link{color:#fff}
.office.navy p{color:rgba(255,255,255,.78)}

/* insights */
.chips{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:48px}
.chips button{border:1px solid var(--line);background:#fff;padding:9px 18px;font-size:14.5px;border-radius:999px;cursor:pointer;transition:background .3s,color .3s,border-color .3s}
.chips button:hover{border-color:var(--ink)}
.chips button.on{background:var(--ink);border-color:var(--ink);color:#fff}
.feature{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center;margin-bottom:80px}
.feature .photo{aspect-ratio:16/10}
.feature h2{margin-bottom:16px}
.feature:hover .photo img,.post:hover .photo img{transform:scale(1.04)}
.meta{font-size:13.5px;color:var(--muted);letter-spacing:.03em;margin-bottom:12px}
.meta b{color:var(--gold);font-weight:500;margin-right:10px}
.post .photo{aspect-ratio:3/2}
.post[hidden]{display:none}
.prose h2{font-size:34px;margin:52px 0 18px}
.prose p{margin-bottom:18px}
.prose ul{margin:0 0 18px 22px}
.prose li{margin-bottom:8px}

/* faq page */
.faq-page{display:grid;grid-template-columns:240px 1fr;gap:80px;align-items:start}
.faq-nav{position:sticky;top:130px;display:flex;flex-direction:column;border-top:1px solid var(--line)}
.faq-nav a{padding:14px 0;border-bottom:1px solid var(--line);font-size:15.5px;color:var(--ink);transition:color .2s}
.faq-nav a:hover{color:var(--indigo)}
.faq-group{scroll-margin-top:120px}
.faq-group+.faq-group{margin-top:72px}
.faq-group h2{font-size:32px;margin-bottom:8px;background:var(--ink);color:#fff;padding:20px 28px;border-radius:2px}
/* navy page header (FAQs) */
.phero.navy{background:var(--ink);border-bottom:0}
.phero.navy h1{color:#fff}.phero.navy h1 em{color:var(--gold-soft)}
.phero.navy .lead{color:rgba(255,255,255,.78)}
.phero.navy .crumbs{color:rgba(255,255,255,.6)}.phero.navy .crumbs a{color:#fff}

/* refer form */
.form fieldset{border:0;display:grid;gap:18px}
.form legend{font-family:var(--h);font-size:26px;font-weight:500;color:var(--ink);margin-bottom:8px}
.form label.check{flex-direction:row;align-items:flex-start;gap:12px;font-size:14.5px;color:var(--body)}
.form .check input{width:18px;height:18px;margin-top:4px;padding:0;flex:none;accent-color:var(--ink)}
.credit a{color:var(--gold-soft);border-bottom:1px solid rgba(233,221,191,.4)}
.credit a:hover{color:#fff}

@media (prefers-reduced-motion:reduce){*{transition:none!important}.js .rv{opacity:1;transform:none}.marquee .track{animation:none;width:auto;flex-wrap:wrap;justify-content:center;row-gap:12px}.marquee .dup{display:none}.marquee{-webkit-mask-image:none;mask-image:none}}

@media (max-width:1320px){header .btn{display:none}}
@media (max-width:1060px){
  nav.main,header .btn,.topbar .l{display:none}.menu-btn{display:grid}
  .topbar .wrap{justify-content:center}
  .hero-grid,.phero-grid,.split,.loan-wrap,.detail,.contact-grid,.head{grid-template-columns:1fr;gap:48px}
  .head .lead{justify-self:start}
  .hero{padding:64px 0 90px}
  .hero-media{max-width:none;width:100%}
  .hero-media .photo{aspect-ratio:16/11}
  .adviser{left:20px;bottom:20px}
  .loan-preview{display:none}
  .sec{padding:100px 0}
  .pillars{grid-template-columns:repeat(3,1fr)}
  .pillars.four{grid-template-columns:1fr 1fr}
  .pillar,.pillar+.pillar{padding:34px 22px 10px;border-left:0}
  .pillar+.pillar{border-left:1px solid var(--line)}
  .pillars.four .pillar:nth-child(odd){border-left:0}
  .mini-calc{margin:-70px 24px 0}
  .portrait{margin:0 auto 20px}
  .cards{grid-template-columns:1fr 1fr}
  aside.side{position:static}
  .calc{grid-template-columns:1fr}
  .f-top{grid-template-columns:repeat(3,1fr)}
  .f-top>div:first-child{grid-column:1/-1}
  .f-top>div:first-child p{margin-left:auto;margin-right:auto}
  main .lead,.disclaimer,.fine{text-align:center;margin-left:auto;margin-right:auto}
  .mob{padding-top:120px;overflow-y:auto}.mob a{font-size:30px;text-align:center}
  .feature,.faq-page{grid-template-columns:1fr;gap:40px}
  .pillars.two{grid-template-columns:1fr 1fr}
  .office{text-align:center;align-items:center;padding:38px 26px}
  /* centre everything on tablet and phone */
  .hero-grid>div:first-child,.head,.phero-grid,.split>div,.band .wrap,.pillar,.card,.post,.feature,.mini-calc,.contact-grid>div:first-child,.faq-group>h2,.side-card,.side-list,.f-top,.legal,.lenders .lab,.calc-out,.calc-in .field .top,.detail>div>h2,.prose,.crumbs{text-align:center}
  .hero .lead,.split .lead,.phero .lead,.head .lead,.band h2,.band .lead,footer p{margin-left:auto;margin-right:auto}
  .head .lead{justify-self:center}
  .hero .btns,.band .btns,.trust,.members,.chips,.legal .links,.lenders .lab,.adviser,.side-card .ph,.calc-in .field .top,.contact-grid>div:first-child>div:first-child{justify-content:center}
  .calc-out .btn{align-self:center!important}
  .pbtns{justify-content:center}
  .loan-list{display:grid;grid-template-columns:1fr 1fr;gap:48px 32px;border-top:0}
  .loan-list a{display:block;padding:0;border-bottom:0;text-align:center}
  .loan-list a:hover{padding-left:0}
  .loan-list .thumb{display:block;aspect-ratio:4/3;margin-bottom:20px}
  .loan-list .n{display:block;margin-bottom:2px}
  .loan-list h3{font-size:28px}
  .loan-list .go{display:inline-block;opacity:1;transform:none;margin-top:12px;border-bottom:1px solid var(--gold);padding-bottom:3px}
  .creds li{flex-direction:column;align-items:center;gap:2px}.creds li b{text-align:center}
  .c-list li{text-align:center}
  footer .logo img{margin:0 auto}
  .faq-nav{position:static;flex-direction:row;flex-wrap:wrap;justify-content:center;gap:8px;border:0}
  .faq-nav a{border:1px solid var(--line);border-radius:999px;padding:8px 16px;font-size:14.5px;background:#fff}
  .prose ul{display:inline-block;text-align:left}
  .note{border-left:0;border-top:2px solid var(--gold);padding:18px 0 0;text-align:center}
  .form legend{text-align:center;width:100%}
  .form .btn{justify-self:center}
  .ok,.form .small{text-align:center}
  .portrait{margin-left:auto;margin-right:auto}
}
@media (max-width:640px){
  body{font-size:16.5px}
  .wrap{padding-left:20px;padding-right:20px}
  .topbar{display:none}
  header .wrap{height:72px}
  .logo img{height:38px}
  .hero .btns{flex-direction:column}.hero .btns .btn{width:100%}
  .adviser{position:relative;left:auto;bottom:auto;margin:-40px 16px 0}
  .trust{gap:20px 32px}
  .loan-list{gap:40px 20px}
  .card h3{font-size:25px}
  .pillars,.pillars.two,.pillars.four,.offices{grid-template-columns:1fr}
  .offices{gap:18px}.office h3{font-size:32px}
  .pillar,.pillar+.pillar{padding:30px 0;border-left:0;border-bottom:1px solid var(--line)}
  .hero-media .photo{aspect-ratio:4/5}
  .loan-list h3{font-size:27px}
  .cards{gap:40px 20px}
  .ticks{grid-template-columns:1fr}
  .calc-in,.calc-out,form.form{padding:28px 22px}
  .form .row{grid-template-columns:1fr}
  .form .btn{width:100%}
  .wide-photo{aspect-ratio:4/3}
  .lender{padding:0 26px}.lender .wm{font-size:17px}.lender img{height:calc(26px * var(--s,1));max-width:120px}
  .mini-calc{margin:-50px 12px 0;padding:24px}
  .portrait{width:calc(100% - 22px);margin:0 auto 20px;left:-11px}
  .f-top{grid-template-columns:1fr;padding:64px 0 40px}
  .band .wrap{padding-top:90px;padding-bottom:90px}
  .band .btns .btn{width:100%}
  .q button{font-size:21px}
  .faq-group h2{font-size:26px;padding:16px 18px}
}
/* phones: one loan or article per row */
@media (max-width:520px){
  .loan-list,.cards{grid-template-columns:1fr;gap:44px}
  .card h3{font-size:28px}
}
.skip{position:absolute;left:-9999px;top:0;z-index:100;background:var(--ink);color:#fff;padding:10px 16px}
.skip:focus{left:8px;top:8px}