/*
  Inner pages CSS restore
  Date: 2026-03-05
  Reason: page-specific systems (vmh/vpr/svc/vtm/vad/vap/vloc/hub/calc/vip article)
  were missing from active stylesheet, causing layout collapse.
*/

.vip-page {
    --vip-bg: #f4f7fc;
    --vip-card: #ffffff;
    --vip-ink: #112341;
    --vip-muted: #5d6d86;
    --vip-line: #d7e0ee;
    --vip-navy: #0b234d;
    --vip-navy-2: #163767;
    --vip-red: #c41e3a;
    --vip-red-dark: #9e1a2f;
    color: var(--vip-ink);
    background: #fff;
}

.vip-page,
.vip-page * {
    box-sizing: border-box;
}

.vip-page section {
    position: relative;
    padding: 80px 0;
}

.vip-page p {
    color: var(--vip-muted);
}

/* Safety fallback: inner pages should never render blank if animation init fails. */
body:not(.home):not(.page-slug-home-vsure) .vsure-animate-fade-up {
    opacity: 1 !important;
    transform: none !important;
    animation: none !important;
}

/* Missing button variants */
.vsure-btn--outline {
    background: transparent;
    border-color: #23487d;
    color: #173a6e;
}

.vsure-btn--outline:hover {
    background: #173a6e;
    border-color: #173a6e;
    color: #fff;
}

.vsure-btn--glass {
    background: rgba(255, 255, 255, 0.12);
    border-color: rgba(255, 255, 255, 0.6);
    color: #fff;
    backdrop-filter: blur(4px);
}

.vsure-btn--glass:hover {
    background: rgba(255, 255, 255, 0.22);
    border-color: #fff;
    color: #fff;
}

.vsure-btn--white {
    background: #fff;
    border-color: #fff;
    color: #0e2a56;
}

.vsure-btn--white:hover {
    background: #f3f6fb;
    border-color: #f3f6fb;
}

.vsure-btn--outline-white {
    background: transparent;
    border-color: rgba(255, 255, 255, 0.8);
    color: #fff;
}

.vsure-btn--outline-white:hover {
    background: #fff;
    border-color: #fff;
    color: #0e2a56;
}

.vsure-btn--outline-dark {
    background: transparent;
    border-color: #0f2548;
    color: #0f2548;
}

.vsure-btn--outline-dark:hover {
    background: #0f2548;
    color: #fff;
}

/* Shared hero */
.vip-hero {
    min-height: 540px;
    display: flex;
    align-items: center;
    overflow: hidden;
    color: #fff;
    background-color: #102a57;
    background-image: linear-gradient(124deg, #071b3d 0%, #123365 54%, #0d2750 100%);
}

.vip-hero__overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(130deg, rgba(8, 20, 42, 0.78), rgba(12, 30, 62, 0.58));
}

.vip-hero__inner {
    position: relative;
    z-index: 2;
    width: 100%;
    padding-top: 36px;
    padding-bottom: 36px;
}

.vip-breadcrumb {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 10px;
    margin: 0 0 24px;
    font-size: 13px;
    color: rgba(255, 255, 255, 0.78);
}

.vip-breadcrumb a {
    color: rgba(255, 255, 255, 0.88);
}

.vip-breadcrumb a:hover {
    color: #fff;
}

.vip-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    margin: 0 0 14px;
    font-size: 12px;
    text-transform: uppercase;
    letter-spacing: 0.14em;
    font-weight: 700;
    color: rgba(255, 255, 255, 0.82);
}

.vip-eyebrow::before {
    content: "";
    width: 28px;
    height: 2px;
    background: #e2455f;
}

.vip-eyebrow--red {
    color: #cb203f;
}

.vip-eyebrow--red::before {
    background: #cb203f;
}

.vip-hero__h1 {
    margin: 0;
    max-width: 16ch;
    color: #fff;
    font-size: clamp(36px, 4.8vw, 68px);
    line-height: 0.97;
    letter-spacing: -0.025em;
    text-wrap: balance;
}

.vip-hero__sub {
    max-width: 56ch;
    margin: 18px 0 0;
    color: rgba(238, 244, 252, 0.9);
    font-size: 17px;
    line-height: 1.68;
}

.vip-hero__cta-row {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    margin-top: 30px;
}

.vip-hero__meta {
    margin-top: 28px;
    display: flex;
    flex-wrap: wrap;
    gap: 16px 26px;
}

.vip-hero__meta span {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: rgba(240, 246, 255, 0.9);
    font-size: 15px;
}

/* Hero variants with real assets */
.vip-hero--service,
.vip-hero--services,
.vip-hero--mortgages,
.vip-hero--protection,
.vip-hero--articles,
.vip-hero--post,
.vip-hero--contact,
.vip-hero--team,
.vip-hero--calculators,
.vip-hero--about,
.vip-hero--story,
.vloc-hero {
    background-position: center;
    background-size: cover;
}

.vip-hero--service {
    background-image: linear-gradient(120deg, rgba(8, 24, 52, 0.92), rgba(16, 43, 82, 0.76)), url("../images/home-hero-1.webp");
}

.vip-hero--services,
.vip-hero--mortgages,
.vloc-hero {
    background-image: linear-gradient(120deg, rgba(8, 24, 52, 0.92), rgba(16, 43, 82, 0.76)), url("../images/home-hero-2.webp");
}

.vip-hero--protection {
    background-image: linear-gradient(120deg, rgba(8, 24, 52, 0.9), rgba(16, 43, 82, 0.72)), url("../images/home-hero-3.webp");
}

.vip-hero--articles {
    background-image: linear-gradient(120deg, rgba(8, 24, 52, 0.9), rgba(16, 43, 82, 0.7)), url("../images/v2-hero-bg.webp");
}

.vip-hero--post,
.vip-hero--contact {
    background-image: linear-gradient(120deg, rgba(8, 24, 52, 0.9), rgba(16, 43, 82, 0.72)), url("../images/home-process-bg.webp");
}

.vip-hero--team {
    background-image: linear-gradient(120deg, rgba(8, 24, 52, 0.9), rgba(16, 43, 82, 0.72)), url("../images/home-whatwedo-bg.webp");
}

.vip-hero--calculators {
    background-image: linear-gradient(120deg, rgba(8, 24, 52, 0.9), rgba(16, 43, 82, 0.74)), url("../images/v2-why-bg.webp");
}

/* Shared cards and grids */
.vip-page [class$="__grid"],
.vip-page [class*="-grid"] {
    display: grid;
    gap: 16px;
}

.vip-page [class$="-card"],
.vip-page [class*="-card "] {
    border-radius: 16px;
    border: 1px solid var(--vip-line);
    background: var(--vip-card);
    box-shadow: 0 8px 24px rgba(10, 26, 58, 0.05);
}

.vip-page [class$="-card"]:hover,
.vip-page a[class*="-card"]:hover {
    border-color: rgba(196, 30, 58, 0.22);
    box-shadow: 0 16px 34px rgba(10, 26, 58, 0.12);
}

.vip-page .vsure-section-header {
    max-width: 820px;
    margin-left: auto;
    margin-right: auto;
}

.vip-page .vsure-section-sub,
.vip-page .vmh-section-sub {
    margin: 0 auto;
    max-width: 68ch;
    font-size: 16px;
    line-height: 1.7;
    color: var(--vip-muted);
}

/* Shared CTA */
.vip-cta {
    background: linear-gradient(130deg, #0e2a56 0%, #173a70 100%);
    color: #fff;
}

.vip-cta__inner {
    text-align: center;
    /* max-width removed — vsure-container 10vw gutters handle layout */
}

.vip-cta__heading {
    margin: 0;
    color: #fff;
    font-size: clamp(34px, 4.8vw, 60px);
    line-height: 1.04;
}

.vip-cta__sub {
    margin: 20px auto 0;
    max-width: 68ch;
    color: rgba(236, 244, 255, 0.9);
    font-size: 18px;
}

.vip-cta__actions {
    margin-top: 28px;
    display: flex;
    justify-content: center;
    flex-wrap: wrap;
    gap: 14px;
}

/* Hub page */
.hub-cat--alt,
.vpr-scenarios,
.vmh-outcomes,
.vloc-market,
.vip-articles,
.vtm-values {
    background: var(--vip-bg);
}

.hub-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.hub-card,
.svc-related-card {
    display: grid;
    grid-template-columns: auto 1fr auto;
    align-items: start;
    gap: 14px;
    padding: 20px;
    color: inherit;
    text-decoration: none;
}

.hub-card__icon,
.svc-related-card__icon,
.vmh-card__icon,
.vpr-scenario__icon,
.vloc-market-card__icon,
.vad-spec-card__icon,
.vtm-value__icon,
.calc-card__icon,
.calc-credit-card__icon,
.vip-sidebar-cta__icon,
.vip-contact-detail__icon {
    width: 42px;
    height: 42px;
    border-radius: 11px;
    background: rgba(196, 30, 58, 0.08);
    color: var(--vip-red, #c41e3a);
    display: inline-flex;
    align-items: center;
    justify-content: center;
}

.hub-card__icon svg,
.svc-related-card__icon svg,
.vmh-card__icon svg,
.vpr-scenario__icon svg,
.vloc-market-card__icon svg,
.vad-spec-card__icon svg,
.vtm-value__icon svg,
.calc-card__icon svg,
.calc-credit-card__icon svg,
.vip-sidebar-cta__icon svg {
    width: 21px;
    height: 21px;
}

.hub-why {
    background: #0f2548;
}

.hub-why__grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
}

.hub-why__item {
    padding: 24px 22px;
    border-radius: 16px;
    border: 1px solid rgba(255, 255, 255, 0.16);
    background: rgba(255, 255, 255, 0.06);
}

.hub-why__item h3 {
    color: #fff;
    margin: 0 0 8px;
}

.hub-why__item p {
    margin: 0;
    color: rgba(242, 247, 255, 0.84);
}
/* =============================================================================
   SERVICE PAGE — Full premium redesign
   Sections: hero trust, proof strip, article, FAQ accordion, sidebar,
             process, testimonial, related, CTA
   ============================================================================= */

/* ── Hero category background variants ─────────────────────────────── */
.vip-hero--cat-protection {
    background-image: linear-gradient(120deg, rgba(8, 24, 52, 0.92), rgba(16, 43, 82, 0.76)), url("../images/home-hero-3.webp") !important;
}
.vip-hero--cat-mortgages {
    background-image: linear-gradient(120deg, rgba(8, 24, 52, 0.90), rgba(16, 43, 82, 0.72)), url("../images/home-hero-2.webp") !important;
}

/* ── Hero trust badge row ───────────────────────────────────────────── */
.svc-hero-trust {
    display: flex;
    flex-wrap: wrap;
    gap: 10px 24px;
    margin-top: 28px;
    padding-top: 24px;
    border-top: 1px solid rgba(255, 255, 255, 0.15);
}

.svc-hero-trust__item {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    font-family: var(--font-body, sans-serif);
    font-size: 13px;
    font-weight: 500;
    color: rgba(255, 255, 255, 0.78);
    letter-spacing: 0.02em;
}

.svc-hero-trust__item svg {
    color: #c41e3a;
    flex-shrink: 0;
}

/* ── Proof Strip ────────────────────────────────────────────────────── */
.svc-proof-strip {
    background: #111111;
    padding: 0;
}

.svc-proof-strip__grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
}

.svc-proof-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    padding: 28px 16px;
    text-align: center;
    border-right: 1px solid rgba(255, 255, 255, 0.07);
    gap: 5px;
}

.svc-proof-item:last-child {
    border-right: none;
}

.svc-proof-item__num {
    font-family: var(--font-heading, Georgia, serif);
    font-size: clamp(22px, 3vw, 34px);
    font-weight: 700;
    line-height: 1;
    color: #c41e3a;
    letter-spacing: -0.02em;
}

.svc-proof-item__plus {
    font-size: 0.6em;
    vertical-align: super;
    line-height: 0;
}

.svc-proof-item__label {
    font-family: var(--font-body, sans-serif);
    font-size: 11px;
    font-weight: 500;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: rgba(255, 255, 255, 0.45);
}

/* ── Content layout ─────────────────────────────────────────────────── */
.svc-content {
    padding: 56px 0 72px !important;
    background: #f8f9fb;
}

.svc-content__grid {
    display: grid;
    grid-template-columns: minmax(0, 1.85fr) minmax(300px, 0.85fr);
    gap: 32px;
    align-items: start;
}

/* ── Article ────────────────────────────────────────────────────────── */
.svc-article {
    background: #fff;
    border: 1px solid #e4e9f2;
    border-radius: 16px;
    padding: 28px 24px;
    box-shadow: 0 2px 20px rgba(10, 26, 58, 0.05);
}

/* Intro — editorial pull-quote treatment */
.svc-article__intro-wrap {
    display: flex;
    gap: 20px;
    margin-bottom: 36px;
    padding-bottom: 36px;
    border-bottom: 1px solid #e4e9f2;
}

.svc-article__intro-accent {
    flex-shrink: 0;
    width: 4px;
    border-radius: 2px;
    background: linear-gradient(180deg, #c41e3a 0%, rgba(196, 30, 58, 0.2) 100%);
    align-self: stretch;
}

.svc-article__intro {
    font-size: 18px;
    line-height: 1.78;
    color: #1c3254;
    margin: 0;
    font-weight: 400;
}


/* ── Guide label — section heading ─────────────────────────────────── */
.svc-guide-label {
    font-family: var(--font-heading, 'Boska', Georgia, serif);
    font-size: clamp(28px, 3.8vw, 48px);
    font-weight: 700;
    line-height: 1.06;
    letter-spacing: -0.02em;
    color: var(--vip-ink, #112341);
    margin: 0 0 32px;
    text-wrap: balance;
}

/* ── Editorial content sections (replaces accordion) ────────────────── */
.svc-sections {
    display: flex;
    flex-direction: column;
}

.svc-section-item {
    padding: 32px 0;
    border-bottom: 1px solid #edf1f7;
}

.svc-section-item:last-child {
    border-bottom: none;
    padding-bottom: 4px;
}

/* Number + rule row */
.svc-section-item__meta {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-bottom: 16px;
}

.svc-section-item__num {
    font-family: var(--font-heading, Georgia, serif);
    font-size: 38px;
    font-weight: 700;
    color: rgba(196, 30, 58, 0.15);
    letter-spacing: -0.04em;
    line-height: 1;
    flex-shrink: 0;
    user-select: none;
}

.svc-section-item__rule {
    flex: 1;
    height: 1px;
    background: #e4e9f2;
}

/* Section heading — large, confident */
.svc-section-item__heading {
    font-family: var(--font-heading, Georgia, serif);
    font-size: clamp(20px, 2.2vw, 25px);
    font-weight: 700;
    color: #0f2340;
    line-height: 1.28;
    margin: 0 0 16px;
}

/* Body copy — editorial size and colour */
.svc-section-item__body p {
    font-size: 16px;
    line-height: 1.85;
    color: #3d526e;
    margin: 0;
}

.svc-section-item__body strong {
    color: #112341;
    font-weight: 600;
}

/* Make the intro paragraph more prominent */
.svc-article__intro {
    font-size: 19px !important;
    line-height: 1.8 !important;
    color: #1a3050 !important;
    font-weight: 400 !important;
}

/* ── FCA Warning ────────────────────────────────────────────────────── */
.svc-fca-warning {
    display: flex;
    gap: 12px;
    align-items: flex-start;
    margin-top: 28px;
    padding: 16px 20px;
    background: #fffbf2;
    border: 1px solid #f0d98a;
    border-radius: 10px;
    border-left: 4px solid #e6a817;
}

.svc-fca-warning svg {
    flex-shrink: 0;
    color: #c07a0a;
    margin-top: 2px;
}

.svc-fca-warning p {
    margin: 0;
    font-size: 13px;
    line-height: 1.65;
    color: #6b4c00;
}

/* ── Sidebar ────────────────────────────────────────────────────────── */
.svc-sidebar {
    display: grid;
    gap: 16px;
    position: sticky;
    top: 108px;
}

.svc-sidebar__box {
    padding: 24px 26px;
    background: #fff;
    border: 1px solid #e4e9f2;
    border-radius: 14px;
    box-shadow: 0 2px 12px rgba(10, 26, 58, 0.04);
}

/* Features box header */
.svc-sidebar__box-header {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 18px;
    padding-bottom: 16px;
    border-bottom: 1px solid #e4e9f2;
}

.svc-sidebar__box-header h3 {
    margin: 0;
    font-size: 16px;
    color: #112645;
    line-height: 1.2;
}

.svc-sidebar__box-icon {
    width: 40px;
    height: 40px;
    border-radius: 10px;
    background: rgba(196, 30, 58, 0.08);
    color: #c41e3a;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

/* Features list */
.svc-features-list {
    list-style: none;
    margin: 0 0 18px;
    padding: 0;
    display: grid;
    gap: 10px;
}

.svc-features-list li {
    display: grid;
    grid-template-columns: 22px 1fr;
    gap: 8px;
    align-items: start;
    font-family: var(--font-body, sans-serif);
    font-size: 14px;
    line-height: 1.45;
    color: #2f4767;
}

.svc-features-list__tick {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: rgba(196, 30, 58, 0.08);
    color: #c41e3a;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    margin-top: 1px;
}

.svc-sidebar__features-cta {
    display: block;
    text-align: center;
    width: 100%;
}

/* Contact box */
.svc-sidebar__box--contact {
    border-top: 3px solid #c41e3a;
}

.svc-sidebar__contact-badge {
    display: inline-block;
    font-family: var(--font-body, sans-serif);
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: #c41e3a;
    background: rgba(196, 30, 58, 0.08);
    padding: 4px 10px;
    border-radius: 20px;
    margin-bottom: 12px;
}

.svc-sidebar__contact-label {
    font-family: var(--font-body, sans-serif);
    font-size: 17px;
    font-weight: 700;
    color: #112645;
    margin: 0 0 10px;
}

.svc-sidebar__phone {
    display: flex;
    align-items: center;
    gap: 10px;
    font-family: var(--font-body, sans-serif);
    font-size: 22px;
    font-weight: 700;
    color: #112645 !important;
    text-decoration: none !important;
    margin-bottom: 12px;
    transition: color 0.2s ease;
}

.svc-sidebar__phone:hover {
    color: #c41e3a !important;
}

.svc-sidebar__phone svg {
    color: #c41e3a;
    flex-shrink: 0;
}

.svc-sidebar__contact-note {
    font-family: var(--font-body, sans-serif);
    font-size: 13px;
    line-height: 1.6;
    color: #6d7f98;
    margin: 0 0 14px;
}

.svc-sidebar__message-btn {
    display: block;
    text-align: center;
    width: 100%;
    margin-bottom: 12px;
}

.svc-sidebar__response-time {
    display: flex;
    align-items: center;
    gap: 6px;
    font-family: var(--font-body, sans-serif);
    font-size: 12px;
    color: #7a9e5a;
    font-weight: 500;
}

.svc-sidebar__response-time svg {
    color: #7a9e5a;
    flex-shrink: 0;
}

/* Trust badge grid */
.svc-sidebar__box--trust {
    background: #f6f9ff;
    border-color: #dce6f5;
}

.svc-sidebar__trust-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
}

.svc-sidebar__trust-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 6px;
    padding: 12px 8px;
    text-align: center;
    background: #fff;
    border: 1px solid #dce6f5;
    border-radius: 10px;
}

.svc-sidebar__trust-item svg {
    color: #c41e3a;
}

.svc-sidebar__trust-item span {
    font-family: var(--font-body, sans-serif);
    font-size: 11px;
    font-weight: 600;
    color: #2f4767;
    letter-spacing: 0.03em;
    line-height: 1.2;
}

/* Hours */
.svc-hours-list {
    list-style: none;
    margin: 0 0 10px;
    padding: 0;
}

.svc-hours-list li {
    display: flex;
    justify-content: space-between;
    gap: 10px;
    padding: 9px 0;
    border-bottom: 1px solid #e4e9f2;
    font-family: var(--font-body, sans-serif);
    font-size: 13px;
    color: #4a5e7a;
}

.svc-hours-list li span:first-child {
    font-weight: 500;
    color: #112645;
}

.svc-hours-list li:last-child {
    border-bottom: 0;
}

.svc-sidebar__hours-note {
    font-family: var(--font-body, sans-serif);
    font-size: 12px;
    color: #7a8ea8;
    font-style: italic;
    margin: 0;
}

/* ── Process Section — editorial ghost-number style (ref. design) ───── */
.svc-process-section {
    padding: 88px 0 80px !important;
    background: #fff;
}

.svc-process-section .vsure-section-header {
    margin-bottom: 56px;
}

.svc-process-section .vsure-section-title {
    font-size: clamp(28px, 3.5vw, 48px);
}

.svc-process-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 40px;
    overflow: visible;
}

/* Each step — ghost number + dashed connector via ::after */
.svc-process-step {
    position: relative;
}

/* Dashed connector line between steps */
.svc-process-step:not(.svc-process-step--last)::after {
    content: '';
    position: absolute;
    top: 46px;          /* visually centered on the ghost number */
    left: calc(100% + 1px);
    width: 39px;        /* spans the 40px gap */
    height: 0;
    border-top: 2px dashed rgba(196, 30, 58, 0.22);
    pointer-events: none;
}

/* Large ghost/watermark number */
.svc-process-step__ghost {
    display: block;
    font-family: var(--font-heading, Georgia, serif);
    font-size: clamp(64px, 7vw, 92px);
    font-weight: 700;
    line-height: 1;
    color: rgba(196, 30, 58, 0.12);
    letter-spacing: -0.03em;
    margin-bottom: 18px;
    /* no margin-top — ghost number sits flush at top */
}

/* Short horizontal rule below the number */
.svc-process-step__divider {
    width: 56px;
    height: 2px;
    background: #e4e9f2;
    margin-bottom: 16px;
}

.svc-process-step__title {
    font-family: var(--font-body, sans-serif);
    font-size: 17px;
    font-weight: 700;
    color: #112645;
    margin: 0 0 10px;
    line-height: 1.25;
}

.svc-process-step__text {
    font-family: var(--font-body, sans-serif);
    font-size: 14px;
    line-height: 1.68;
    color: #5d6d86;
    margin: 0;
}

.svc-process-cta {
    text-align: center;
    margin-top: 52px;
}

/* ── Testimonial Section ────────────────────────────────────────────── */
.svc-testimonial-section {
    background: linear-gradient(135deg, #0b2040 0%, #163767 55%, #0d2850 100%);
    padding: 96px 0 !important;
}

.svc-testimonial-section__inner {
    display: grid;
    grid-template-columns: minmax(0, 1.4fr) minmax(280px, 1fr);
    gap: 64px;
    align-items: center;
}

.svc-testimonial-feature {
    position: relative;
}

.svc-testimonial-feature__marks {
    font-family: var(--font-heading, Georgia, serif);
    font-size: 120px;
    line-height: 0.7;
    color: rgba(196, 30, 58, 0.25);
    position: absolute;
    top: 0;
    left: -16px;
    pointer-events: none;
    user-select: none;
}

.svc-testimonial-feature__stars {
    display: flex;
    gap: 4px;
    margin-bottom: 28px;
    position: relative;
    z-index: 1;
}

.svc-testimonial-feature__quote {
    font-family: var(--font-heading, Georgia, serif);
    font-size: clamp(18px, 2.2vw, 26px);
    line-height: 1.52;
    color: rgba(236, 244, 255, 0.95);
    font-weight: 400;
    font-style: italic;
    margin: 0 0 28px;
    position: relative;
    z-index: 1;
}

.svc-testimonial-feature__author {
    display: flex;
    align-items: center;
    gap: 14px;
    position: relative;
    z-index: 1;
}

.svc-testimonial-feature__avatar {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: rgba(196, 30, 58, 0.8);
    color: #fff;
    font-family: var(--font-body, sans-serif);
    font-size: 18px;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.svc-testimonial-feature__name {
    display: block;
    font-family: var(--font-body, sans-serif);
    font-size: 15px;
    font-weight: 700;
    color: #fff;
}

.svc-testimonial-feature__detail {
    display: block;
    font-family: var(--font-body, sans-serif);
    font-size: 13px;
    color: rgba(255, 255, 255, 0.55);
    margin-top: 2px;
}

/* Testimonial aside */
.svc-testimonial-aside {
    border-left: 1px solid rgba(255, 255, 255, 0.12);
    padding-left: 48px;
}

.svc-testimonial-aside__heading {
    font-family: var(--font-heading, Georgia, serif);
    font-size: clamp(20px, 2.2vw, 28px);
    font-weight: 700;
    color: #fff;
    margin: 0 0 12px;
    line-height: 1.25;
}

.svc-testimonial-aside__sub {
    font-family: var(--font-body, sans-serif);
    font-size: 15px;
    line-height: 1.65;
    color: rgba(236, 244, 255, 0.72);
    margin: 0 0 28px;
}

.svc-testimonial-aside__reassurance {
    list-style: none;
    margin: 20px 0 0;
    padding: 0;
    display: grid;
    gap: 9px;
}

.svc-testimonial-aside__reassurance li {
    display: flex;
    align-items: center;
    gap: 9px;
    font-family: var(--font-body, sans-serif);
    font-size: 14px;
    color: rgba(236, 244, 255, 0.78);
}

.svc-testimonial-aside__reassurance svg {
    color: #7bc87a;
    flex-shrink: 0;
}

/* ── Related services ───────────────────────────────────────────────── */
.svc-related {
    background: #f8f9fb;
    padding: 80px 0 !important;
}

.svc-related__header {
    text-align: center;
    margin-bottom: 48px;
}

.svc-related__title {
    font-family: var(--font-heading, Georgia, serif);
    font-size: clamp(28px, 3.5vw, 44px);
    color: #112645;
    margin: 8px 0 12px;
    line-height: 1.1;
}

.svc-related__sub {
    font-family: var(--font-body, sans-serif);
    font-size: 16px;
    color: #5d6d86;
    margin: 0;
    max-width: 56ch;
    margin-left: auto;
    margin-right: auto;
}

.svc-related__grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 20px;
}

.svc-related-card {
    display: grid;
    grid-template-columns: auto 1fr auto;
    align-items: start;
    gap: 16px;
    padding: 24px;
    background: #fff;
    border: 1px solid #e4e9f2;
    border-radius: 14px;
    color: inherit;
    text-decoration: none !important;
    box-shadow: 0 2px 12px rgba(10, 26, 58, 0.04);
    transition: box-shadow 0.28s ease, border-color 0.28s ease, transform 0.28s ease;
}

.svc-related-card:hover {
    box-shadow: 0 12px 32px rgba(10, 26, 58, 0.12);
    border-color: rgba(196, 30, 58, 0.25);
    transform: translateY(-3px);
}

.svc-related-card__icon {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    background: rgba(196, 30, 58, 0.07);
    color: #c41e3a;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.svc-related-card__icon svg {
    width: 22px;
    height: 22px;
}

.svc-related-card__body {
    min-width: 0;
}

.svc-related-card__cat {
    display: block;
    font-family: var(--font-body, sans-serif);
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: #c41e3a;
    margin-bottom: 5px;
}

.svc-related-card__title {
    margin: 0 0 6px;
    font-family: var(--font-body, sans-serif);
    font-size: 16px;
    font-weight: 700;
    color: #112645;
    line-height: 1.2;
}

.svc-related-card__sub {
    margin: 0;
    font-family: var(--font-body, sans-serif);
    font-size: 13px;
    line-height: 1.55;
    color: #6d7f98;
}

.svc-related-card__arrow {
    align-self: center;
    color: #c41e3a;
    flex-shrink: 0;
    opacity: 0;
    transform: translateX(-6px);
    transition: opacity 0.25s ease, transform 0.25s ease;
}

.svc-related-card:hover .svc-related-card__arrow {
    opacity: 1;
    transform: translateX(0);
}

/* ── Premium CTA ────────────────────────────────────────────────────── */
.svc-cta-premium {
    background: linear-gradient(130deg, #0e2a56 0%, #173a70 100%) !important;
}

.svc-cta-premium__kicker {
    display: block;
    font-family: var(--font-body, sans-serif);
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: rgba(196, 30, 58, 0.85);
    margin-bottom: 16px;
}

.svc-cta-premium__reassurance {
    display: flex;
    flex-wrap: wrap;
    gap: 10px 28px;
    justify-content: center;
    margin-top: 28px;
    padding-top: 24px;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.svc-cta-premium__reassurance span {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    font-family: var(--font-body, sans-serif);
    font-size: 13px;
    color: rgba(236, 244, 255, 0.72);
}

.svc-cta-premium__reassurance svg {
    color: #7bc87a;
    flex-shrink: 0;
}

/* ── Responsive ─────────────────────────────────────────────────────── */
@media (max-width: 1200px) {
    .svc-proof-strip__grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .svc-proof-item:nth-child(2) { border-right: none; }
    .svc-proof-item:nth-child(3) { border-top: 1px solid rgba(255,255,255,0.07); }
    .svc-proof-item:nth-child(4) { border-top: 1px solid rgba(255,255,255,0.07); border-right: none; }

    .svc-process-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 40px 32px;
    }
    .svc-process-step__connector { display: none; }
    .svc-process-step { padding: 0 16px; }
}

@media (max-width: 1024px) {
    .svc-content__grid {
        grid-template-columns: 1fr;
    }
    .svc-sidebar {
        position: static;
        grid-template-columns: repeat(2, 1fr);
    }
    .svc-sidebar__box--hours { display: none; }
    .svc-testimonial-section__inner {
        grid-template-columns: 1fr;
        gap: 48px;
    }
    .svc-testimonial-aside {
        border-left: none;
        border-top: 1px solid rgba(255, 255, 255, 0.12);
        padding-left: 0;
        padding-top: 40px;
    }
    .svc-related__grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

@media (max-width: 767px) {
    .svc-hero-trust {
        gap: 10px 16px;
    }
    .svc-hero-trust__item { font-size: 12px; }
    .svc-proof-strip__grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .svc-article {
        padding: 24px 16px;
    }
    .svc-guide-label {
        margin-bottom: 24px;
    }
    .svc-section-item { padding: 24px 0; }
    .svc-section-item__num { font-size: 28px; }
    .svc-section-item__heading { font-size: 18px; }
    .svc-section-item__body p { font-size: 15px; }
    .svc-article__intro { font-size: 17px !important; }
    .svc-sidebar {
        grid-template-columns: 1fr;
    }
    .svc-process-grid {
        grid-template-columns: 1fr;
        gap: 32px;
    }
    .svc-testimonial-feature__marks { font-size: 80px; }
    .svc-related__grid {
        grid-template-columns: 1fr;
    }
    .svc-related-card {
        grid-template-columns: auto 1fr;
    }
    .svc-related-card__arrow { display: none; }
    .svc-cta-premium__reassurance {
        gap: 8px 16px;
        flex-direction: column;
        align-items: center;
    }
}

.svc-sticky-bar {
    position: fixed;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 9998;
    background: rgba(10, 25, 51, 0.95);
    border-top: 1px solid rgba(255, 255, 255, 0.16);
    transform: translateY(108%);
    opacity: 0;
    visibility: hidden;
    transition: transform 0.32s ease, opacity 0.32s ease, visibility 0.32s ease;
}

.svc-sticky-bar.is-visible {
    transform: translateY(0);
    opacity: 1;
    visibility: visible;
}

.svc-sticky-bar__inner {
    min-height: 72px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 14px;
}

.svc-sticky-bar__title,
.svc-sticky-bar__phone {
    color: #fff;
}

/* Mortgages/protection */
.vmh-grid {
    margin-top: 24px;
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.vmh-card {
    display: flex;
    flex-direction: column;
    gap: 12px;
    padding: 20px;
    text-decoration: none;
    color: inherit;
}

.vmh-card__title {
    margin: 0 0 8px;
    color: #10284f;
    font-size: 18px;
    line-height: 1.2;
}

.vmh-card__list {
    margin: 12px 0 0;
    padding-left: 18px;
    font-size: 14px;
}

.vmh-card__cta {
    margin-top: auto;
    color: #c41e3a;
    font-weight: 700;
    font-size: 14px;
}

.vmh-why__inner,
.vpr-cost__inner,
.vloc-intro__inner,
.vip-story__grid,
.vip-openwork__grid,
.vad-about__inner,
.vip-contact-grid,
.vip-post-layout {
    display: grid;
    align-items: start;
    gap: 24px;
    grid-template-columns: minmax(0, 1.3fr) minmax(280px, 0.78fr);
}

.vmh-why-stat {
    padding: 16px;
}

.vmh-why-stat__num,
.vloc-stat__num,
.vip-story__stat-num,
.vad-stat__num {
    font-family: var(--font-heading);
    color: #10284f;
    font-size: clamp(32px, 4vw, 54px);
    line-height: 0.95;
}

.vmh-steps {
    margin-top: 24px;
    display: grid;
    gap: 12px;
}

.vmh-step {
    display: grid;
    grid-template-columns: 78px 1fr;
    gap: 14px;
    padding: 16px;
}

.vmh-step__num {
    width: 62px;
    height: 62px;
    border-radius: 14px;
    background: #0f2a54;
    color: #fff;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    font-weight: 700;
}

.vmh-step__title {
    margin: 2px 0 8px;
    color: #112645;
    font-size: 17px;
    line-height: 1.25;
    font-weight: 700;
}

.vmh-outcomes-grid,
.vpr-scenario-grid {
    margin-top: 24px;
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.vmh-outcome-card,
.vpr-scenario {
    padding: 20px;
}

.vmh-outcome-card__result {
    margin: 0 0 10px;
    color: #a0192f;
    font-family: var(--font-heading);
    font-size: clamp(30px, 3.4vw, 46px);
    line-height: 0.95;
}

.vmh-faq__inner {
    /* Override vsure-container padding; centre at readable width */
    padding-left: 0;
    padding-right: 0;
    max-width: 860px;
    margin: 0 auto;
}

@media (max-width: 860px) {
    .vmh-faq__inner {
        padding-left: clamp(16px, 5vw, 40px);
        padding-right: clamp(16px, 5vw, 40px);
    }
}

.vmh-faq__list {
    border-top: 1px solid var(--vip-line);
}

.vmh-faq-item {
    border-bottom: 1px solid var(--vip-line);
}

.vmh-faq-q {
    width: 100%;
    border: 0;
    background: transparent !important;
    -webkit-appearance: none;
    appearance: none;
    text-align: left;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    padding: 18px 4px;
    color: #10284f;
    font-size: 18px;
    font-weight: 700;
    cursor: pointer;
    box-shadow: none !important;
}

/* Prevent browser-native yellow/orange focus/active highlight */
.vmh-faq-q:hover,
.vmh-faq-q:focus,
.vmh-faq-q:active {
    background: transparent !important;
    outline: none;
    box-shadow: none !important;
}

.vmh-faq-q:focus-visible {
    outline: 2px solid var(--color-accent, #c41e3a);
    outline-offset: 2px;
    border-radius: 3px;
}

/* Open state — red accent on question text */
.vmh-faq-q[aria-expanded="true"] {
    color: var(--color-accent, #c41e3a);
    background: transparent !important;
}

.vmh-faq-chevron {
    transition: transform 0.25s ease;
}

.vmh-faq-q[aria-expanded="true"] .vmh-faq-chevron {
    transform: rotate(180deg);
}

.vmh-faq-a {
    padding: 0 4px 18px;
}

.vmh-cta,
.vloc-cta,
.vad-cta {
    background: linear-gradient(120deg, #f5e6eb 0%, #e8f0fa 100%);
}

.vmh-cta__inner,
.vloc-cta__inner,
.vad-cta__inner,
.vtm-join__inner {
    border-radius: 18px;
    border: 1px solid #d5deec;
    background: rgba(255, 255, 255, 0.75);
    box-shadow: 0 14px 32px rgba(15, 42, 84, 0.12);
    padding-top: 26px;
    padding-bottom: 26px;
}

.vmh-cta__actions,
.vloc-cta__actions,
.vad-cta__actions {
    margin-top: 22px;
    display: flex;
    justify-content: center;
    flex-wrap: wrap;
    gap: 12px;
}

/* VPR specific */
.vpr-case,
.vloc-story {
    background: #0f2548;
}

.vpr-case__card,
.vloc-story__card {
    border-radius: 20px;
    border: 1px solid rgba(255, 255, 255, 0.14);
    background: rgba(255, 255, 255, 0.08);
    display: grid;
    grid-template-columns: minmax(0, 1.2fr) minmax(220px, 0.55fr);
    gap: 18px;
    padding: 24px;
    position: relative;
}

.vpr-case__title {
    color: #fff;
    margin: 10px 0 12px;
    font-size: clamp(20px, 2.5vw, 32px);
    line-height: 1.1;
}

.vpr-case__body,
.vloc-story__text {
    color: rgba(242, 246, 255, 0.86);
}

.vpr-case__stat,
.vloc-story__outcome {
    border-radius: 14px;
    border: 1px solid rgba(255, 255, 255, 0.2);
    background: rgba(255, 255, 255, 0.06);
    padding: 16px;
}

/* Adviser pages */
.vap-hero,
.vad-hero {
    background: linear-gradient(128deg, #091f43 0%, #143263 56%, #10284f 100%);
    color: #fff;
}

.vap-hero__container,
.vad-hero__inner {
    padding-top: 60px;
    padding-bottom: 60px;
}

.vap-hero__content,
.vad-hero__layout {
    display: grid;
    gap: 22px;
    align-items: center;
    grid-template-columns: minmax(230px, 0.7fr) minmax(0, 1fr);
}

.vap-hero__photo-wrap,
.vad-hero__avatar {
    border-radius: 16px;
    overflow: hidden;
    border: 1px solid rgba(255, 255, 255, 0.2);
}

.vap-hero__photo,
.vad-hero__avatar img {
    width: 100%;
    aspect-ratio: 1/1.06;
    object-fit: cover;
    display: block;
}

.vap-hero__name,
.vad-hero__name {
    margin: 0;
    color: #fff;
    font-size: clamp(40px, 5vw, 72px);
    line-height: 0.96;
}

.vap-hero__bio,
.vad-hero__tagline {
    margin-top: 12px;
    color: rgba(240, 246, 255, 0.9);
    font-size: 19px;
    line-height: 1.55;
}

.vap-hero__actions,
.vad-hero__actions {
    margin-top: 18px;
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
}

.vad-stats-bar {
    background: #0f2548;
}

.vad-stats-bar__inner {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
}

.vad-stat {
    padding: 20px 16px;
    text-align: center;
    border-right: 1px solid rgba(255, 255, 255, 0.12);
}

.vad-stat:last-child {
    border-right: 0;
}

.vad-stat__num,
.vad-stat__label {
    color: #fff;
}

.vad-spec-grid,
.vad-reviews-grid {
    margin-top: 22px;
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.vad-spec-card,
.vad-review-card {
    padding: 18px;
}

.vad-spec-card__title {
    margin: 12px 0 8px;
    color: #10284f;
    font-size: 17px;
    font-weight: 700;
}

.vad-review-card__stars {
    color: #f6b529;
}

.vad-review-card__author {
    display: flex;
    align-items: center;
    gap: 9px;
}

.vad-review-card__initials {
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: #dfe8f6;
    color: #11335e;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 12px;
}
.vad-cta__inner,
.vtm-join__inner {
    display: grid;
    grid-template-columns: minmax(0, 1fr) auto;
    align-items: center;
    gap: 14px;
}

/* Team page */
.vtm-featured {
    display: grid;
    grid-template-columns: minmax(240px, 0.8fr) minmax(0, 1fr);
    gap: 0;
    color: inherit;
    text-decoration: none;
    overflow: hidden;
}

.vtm-featured__photo {
    width: 100%;
    height: 100%;
    min-height: 300px;
    object-fit: cover;
}

.vtm-featured__body {
    padding: 22px;
}

.vtm-featured__name {
    margin: 8px 0 6px;
    color: #10284f;
    font-size: clamp(28px, 3.2vw, 42px);
    line-height: 1.0;
}

.vtm-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.vtm-card {
    color: inherit;
    text-decoration: none;
    overflow: hidden;
}

.vtm-card__photo {
    width: 100%;
    aspect-ratio: 1/1;
    object-fit: cover;
}

.vtm-card__body {
    padding: 16px;
}

.vtm-card__name {
    margin: 0;
    color: #10284f;
    font-size: 17px;
    font-weight: 700;
    line-height: 1.25;
}

.vtm-values-grid {
    margin-top: 22px;
    grid-template-columns: repeat(4, minmax(0, 1fr));
}

.vtm-value {
    padding: 18px;
}

/* Location page */
.vloc-hero-trust {
    margin-top: 20px;
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
}

.vloc-hero-trust span {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    border-radius: 999px;
    border: 1px solid rgba(255, 255, 255, 0.24);
    background: rgba(255, 255, 255, 0.08);
    color: rgba(245, 249, 255, 0.92);
    font-size: 12px;
    padding: 7px 12px;
}

.vloc-market-grid {
    margin-top: 22px;
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.vloc-market-card,
.vloc-service-card,
.vloc-trust-item {
    padding: 18px;
}

.vloc-services-grid {
    margin-top: 22px;
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.vloc-service-card {
    color: inherit;
    text-decoration: none;
}

.vloc-service-card__title {
    margin: 0 0 8px;
    color: #10284f;
    font-size: 17px;
    font-weight: 700;
    line-height: 1.25;
}

.vloc-service-card__link {
    margin-top: 12px;
    display: inline-flex;
    color: #c41e3a;
    font-weight: 700;
}

.vloc-trust-grid {
    margin-top: 22px;
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.vloc-trust-item__num {
    color: #c41e3a;
    font-size: 13px;
    letter-spacing: 0.13em;
    font-weight: 700;
}

/* Calculators */
.calc-nav {
    position: sticky;
    top: 104px;
    z-index: 90;
    background: rgba(255, 255, 255, 0.95);
    border-top: 1px solid #edf2f8;
    border-bottom: 1px solid #dbe3ef;
    backdrop-filter: blur(7px);
}

.calc-nav__list {
    min-height: 56px;
    display: flex;
    align-items: center;
    gap: 8px;
    overflow-x: auto;
    padding: 8px 0;
}

.calc-nav__item {
    white-space: nowrap;
    border-radius: 999px;
    border: 1px solid #d6e0ef;
    padding: 8px 12px;
    color: #1d3e71;
    text-decoration: none;
    font-size: 13px;
    font-weight: 600;
    background: #fff;
}

.calc-nav__item--cta {
    border-color: #c41e3a;
    background: #c41e3a;
    color: #fff;
}

.calc-section {
    padding-top: 52px;
    padding-bottom: 52px;
}

.calc-section--alt {
    background: var(--vip-bg);
}

.calc-card {
    overflow: hidden;
}

.calc-card__header {
    display: grid;
    grid-template-columns: 50px 1fr;
    gap: 14px;
    padding: 20px 22px 16px;
    border-bottom: 1px solid var(--vip-line);
}

.calc-card__body {
    padding: 18px 22px;
}

.calc-form {
    display: grid;
    gap: 12px;
}

.calc-row {
    display: grid;
    gap: 12px;
    grid-template-columns: repeat(4, minmax(0, 1fr));
}

.calc-field label {
    display: block;
    margin: 0 0 6px;
    color: #2f4767;
    font-size: 13px;
    font-weight: 600;
}

.calc-input-wrap {
    position: relative;
}

.calc-prefix,
.calc-suffix {
    position: absolute;
    top: 50%;
    transform: translateY(-50%);
    color: #7789a4;
    font-size: 13px;
    pointer-events: none;
}

.calc-prefix { left: 10px; }
.calc-suffix { right: 10px; }

.calc-field input,
.calc-field select {
    width: 100%;
    min-height: 42px;
    border-radius: 10px;
    border: 1px solid #cfd9e7;
    background: #fff;
    color: #10284f;
    padding: 9px 12px;
    font-size: 14px;
}

.calc-input-wrap input {
    padding-left: 28px;
}

.calc-btn {
    justify-self: start;
    border: 0;
    border-radius: 10px;
    padding: 11px 18px;
    background: #c41e3a;
    color: #fff;
    font-size: 14px;
    font-weight: 700;
    cursor: pointer;
}

.calc-result {
    margin-top: 12px;
    border-radius: 12px;
    border: 1px dashed #c7d5e8;
    background: #f8fbff;
    min-height: 54px;
    padding: 12px;
}

.calc-ie-grid {
    display: grid;
    gap: 12px;
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.calc-card__disclaimer {
    border-top: 1px solid var(--vip-line);
    padding: 12px 22px;
    background: #f8fbff;
}

.calc-card__disclaimer p {
    margin: 0;
    font-size: 12px;
}

.calc-credit-card {
    display: grid;
    gap: 14px;
    grid-template-columns: 54px 1fr;
    padding: 22px;
}

.calc-credit-card__providers {
    margin-top: 10px;
    display: grid;
    gap: 10px;
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.calc-credit-provider {
    border: 1px solid var(--vip-line);
    border-radius: 12px;
    background: #f9fbff;
    padding: 12px;
    display: grid;
    gap: 4px;
    text-decoration: none;
    color: inherit;
}

/* Articles page */
.vip-featured-card {
    display: grid;
    grid-template-columns: minmax(260px, 0.9fr) minmax(0, 1fr);
    overflow: hidden;
    color: inherit;
    text-decoration: none;
}

.vip-featured-card__image img {
    width: 100%;
    height: 100%;
    min-height: 270px;
    object-fit: cover;
    display: block;
}

.vip-featured-card__body {
    padding: 22px;
}

.vip-articles-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.vip-article-card {
    overflow: hidden;
    display: flex;
    flex-direction: column;
}

.vip-article-card__thumb {
    display: block;
    min-height: 180px;
    background: #d8e4f3;
}

.vip-article-card__thumb img {
    width: 100%;
    height: 100%;
    min-height: 180px;
    object-fit: cover;
}

.vip-article-card__body {
    padding: 16px;
    display: flex;
    flex-direction: column;
    gap: 10px;
    min-height: 100%;
}

.vip-article-card__title {
    margin: 0;
    font-size: 18px;
    line-height: 1.2;
    color: #10284f;
}

.vip-article-card__title a {
    color: inherit;
    text-decoration: none;
}

.vip-article-card__link {
    margin-top: auto;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: #c41e3a;
    font-size: 14px;
    font-weight: 700;
}

.vip-pagination ul {
    list-style: none;
    margin: 20px 0 0;
    padding: 0;
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
}

.vip-pagination a,
.vip-pagination span {
    display: inline-flex;
    min-width: 36px;
    min-height: 36px;
    align-items: center;
    justify-content: center;
    border-radius: 10px;
    border: 1px solid #d6e0ef;
    background: #fff;
    color: #1d3e71;
    padding: 0 10px;
    text-decoration: none;
}

.vip-pagination .current {
    border-color: #c41e3a;
    background: #c41e3a;
    color: #fff;
}

.vip-advice-strip {
    background: linear-gradient(122deg, #0f2548 0%, #173a70 100%);
}

.vip-advice-strip__inner {
    display: grid;
    grid-template-columns: minmax(0, 1fr) auto;
    align-items: center;
    gap: 16px;
}

.vip-advice-strip__title {
    margin: 0;
    color: #fff;
}

.vip-advice-strip__text p {
    color: rgba(236, 244, 255, 0.88);
}

.vip-advice-strip__actions {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
}
/* Single post */
.vip-post-body {
    padding: 22px;
}

.vip-post-share {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 8px;
}

.vip-share-btn {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    border: 1px solid #d2dceb;
    background: #f7fafe;
    color: #1d3e71;
    border-radius: 999px;
    padding: 6px 11px;
    font-size: 12px;
    text-decoration: none;
}

.vip-toc {
    margin: 14px 0 16px;
    border-radius: 12px;
    border: 1px solid var(--vip-line);
    background: #f8fbff;
    padding: 12px;
}

.vip-toc__list {
    margin: 10px 0 0;
    padding-left: 18px;
}

.vip-post-content {
    color: #304966;
    font-size: 17px;
    line-height: 1.78;
}

.vip-post-content h2 {
    color: #10284f;
    margin: 30px 0 12px;
    font-size: clamp(20px, 2.5vw, 28px);
    line-height: 1.15;
}

.vip-post-content h3 {
    color: #10284f;
    margin: 22px 0 10px;
}

.vip-post-disclaimer {
    margin-top: 18px;
    padding: 12px;
    border-left: 4px solid #c41e3a;
    background: #fef5f7;
    display: grid;
    grid-template-columns: 16px 1fr;
    gap: 8px;
}

.vip-post-tags {
    margin-top: 16px;
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
}

.vip-post-tag {
    border: 1px solid #d6e0ef;
    border-radius: 999px;
    background: #f7fafe;
    color: #355375;
    font-size: 12px;
    text-decoration: none;
    padding: 5px 10px;
}

.vip-author-bio {
    margin-top: 20px;
    border-top: 1px solid var(--vip-line);
    padding-top: 16px;
    display: grid;
    grid-template-columns: 84px 1fr;
    gap: 14px;
}

.vip-post-nav {
    margin-top: 20px;
    border-top: 1px solid var(--vip-line);
    padding-top: 14px;
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 10px;
}

.vip-post-nav__item {
    border: 1px solid var(--vip-line);
    border-radius: 12px;
    background: #f9fbff;
    padding: 12px;
    text-decoration: none;
    color: inherit;
}

.vip-post-sidebar {
    display: grid;
    gap: 12px;
    position: sticky;
    top: 108px;
}

.vip-reading-progress {
    height: 6px;
    border-radius: 999px;
    background: #e2ebf7;
    overflow: hidden;
}

.vip-reading-progress__bar {
    width: 0;
    height: 100%;
    border-radius: 999px;
    background: linear-gradient(90deg, #c41e3a, #e24864);
}

.vip-sidebar-cta,
.vip-sidebar-related,
.vip-sidebar-links,
.vip-sidebar-fca {
    padding: 14px;
}

/* Contact page */
.vip-contact-details {
    margin: 18px 0 0;
    padding: 0;
    list-style: none;
    display: grid;
    gap: 10px;
}

.vip-contact-details li {
    display: grid;
    grid-template-columns: 40px 1fr;
    gap: 10px;
    border: 1px solid var(--vip-line);
    border-radius: 12px;
    background: #f9fbff;
    padding: 12px;
}

.vip-contact-detail__label {
    display: block;
    margin: 0 0 4px;
    color: #6f819d;
    font-size: 11px;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    font-weight: 700;
}

.vip-contact-detail__value {
    color: #1d3e71;
    font-size: 15px;
    line-height: 1.55;
    text-decoration: none;
    font-weight: 600;
}

.vip-contact-social__links {
    margin-top: 8px;
    display: flex;
    gap: 8px;
}

.vip-contact-social__links a {
    width: 34px;
    height: 34px;
    border-radius: 10px;
    border: 1px solid #d6e0ef;
    background: #f7fafe;
    color: #1d3e71;
    display: inline-flex;
    align-items: center;
    justify-content: center;
}

.vip-contact-form-card {
    padding: 22px;
}

/* About page hero: keep 50/50 with diagonal divider */
#vsure-about-page .vip-hero {
    min-height: 640px;
    padding: 0;
    background: #0a2148;
}

#vsure-about-page .vip-hero__overlay {
    display: none;
}

#vsure-about-page .vip-hero__inner {
    display: flex;
    min-height: inherit;
    max-width: none;
    padding: 0;
}

#vsure-about-page .vsure-hero__left {
    width: 50%;
    display: flex;
    align-items: center;
    background: #081f43;
    clip-path: polygon(0 0, calc(100% - 86px) 0, 100% 100%, 0 100%);
}

#vsure-about-page .vsure-hero__left-content {
    width: 100%;
    max-width: 700px;
    margin-left: auto;
    padding: 48px 64px 48px 54px;
}

#vsure-about-page .vsure-hero__left h1 {
    margin: 0;
    color: #fff;
    font-size: clamp(48px, 6.2vw, 90px);
    line-height: 0.92;
}

#vsure-about-page .vsure-hero__sub {
    margin: 18px 0 0;
    color: rgba(238, 244, 252, 0.9);
    font-size: 17px;
    line-height: 1.68;
}

#vsure-about-page .vsure-hero__ctas {
    margin-top: 24px;
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
}

#vsure-about-page .vsure-hero__trust-badges {
    margin-top: 18px;
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
}

#vsure-about-page .vsure-hero__trust-badges span {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    border-radius: 999px;
    border: 1px solid rgba(255, 255, 255, 0.24);
    background: rgba(255, 255, 255, 0.08);
    color: rgba(245, 249, 255, 0.9);
    font-size: 12px;
    padding: 7px 11px;
}

#vsure-about-page .vsure-hero__right {
    width: 50%;
    background: linear-gradient(126deg, rgba(12, 37, 76, 0.86), rgba(18, 55, 103, 0.7)), url("../images/home-hero-1.webp") center/cover no-repeat;
}

/* Responsive */
@media (max-width: 1280px) {
    .hub-grid,
    .vpr-scenario-grid,
    .vloc-services-grid,
    .vad-spec-grid,
    .vad-reviews-grid,
    .vip-articles-grid,
    .vtm-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .hub-why__grid,
    .vtm-values-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

@media (max-width: 1100px) {
    .svc-content__grid,
    .vmh-why__inner,
    .vpr-cost__inner,
    .vloc-intro__inner,
    .vip-story__grid,
    .vip-openwork__grid,
    .vad-about__inner,
    .vip-contact-grid,
    .vip-post-layout,
    .vap-hero__content,
    .vad-hero__layout,
    .vtm-featured,
    .vip-featured-card {
        grid-template-columns: 1fr;
    }

    .svc-sidebar,
    .vip-post-sidebar,
    .vad-about__sidebar {
        position: static;
        top: auto;
    }

    .vpr-case__card,
    .vloc-story__card,
    .vad-cta__inner,
    .vtm-join__inner,
    .vip-advice-strip__inner {
        grid-template-columns: 1fr;
    }

    .svc-related__grid,
    .calc-credit-card__providers,
    .vmh-outcomes-grid {
        grid-template-columns: 1fr 1fr;
    }

    .calc-row {
        grid-template-columns: 1fr 1fr;
    }

    .calc-ie-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 900px) {
    #vsure-about-page .vip-hero {
        min-height: auto;
    }

    #vsure-about-page .vip-hero__inner {
        flex-direction: column;
    }

    #vsure-about-page .vsure-hero__left,
    #vsure-about-page .vsure-hero__right {
        width: 100%;
    }

    #vsure-about-page .vsure-hero__left {
        clip-path: none;
    }

    #vsure-about-page .vsure-hero__left-content {
        max-width: none;
        margin: 0;
        padding: 36px 24px;
    }

    #vsure-about-page .vsure-hero__right {
        min-height: 260px;
    }

    .vad-stats-bar__inner {
        grid-template-columns: 1fr 1fr;
    }
}

@media (max-width: 767px) {
    .vip-page section {
        padding: 56px 0;
    }

    .vsure-container {
        padding-left: 16px;
        padding-right: 16px;
    }

    .vip-hero {
        min-height: 430px;
    }

    .vip-hero__inner {
        padding-top: 24px;
        padding-bottom: 24px;
    }

    .vip-breadcrumb {
        margin-bottom: 16px;
        font-size: 12px;
        gap: 8px;
    }

    .vip-eyebrow {
        margin-bottom: 10px;
        font-size: 11px;
        letter-spacing: 0.12em;
    }

    .vip-eyebrow::before {
        width: 22px;
    }

    .vip-hero__sub {
        margin-top: 14px;
        font-size: 16px;
        line-height: 1.62;
    }

    .vip-hero__cta-row {
        margin-top: 18px;
        gap: 10px;
    }

    .hub-grid,
    .svc-related__grid,
    .vmh-grid,
    .vmh-outcomes-grid,
    .vpr-scenario-grid,
    .vloc-market-grid,
    .vloc-services-grid,
    .vloc-trust-grid,
    .vad-spec-grid,
    .vad-reviews-grid,
    .vip-articles-grid,
    .vtm-grid,
    .vtm-values-grid,
    .calc-credit-card__providers,
    .calc-row {
        grid-template-columns: 1fr;
    }

    .vmh-step {
        grid-template-columns: 1fr;
    }

    .calc-nav {
        top: 86px;
    }

    .calc-nav__list {
        min-height: 50px;
    }

    .calc-card__header,
    .calc-credit-card {
        grid-template-columns: 1fr;
    }

    .vip-post-nav {
        grid-template-columns: 1fr;
    }

    .vip-author-bio {
        grid-template-columns: 1fr;
    }

    .svc-sticky-bar__inner {
        min-height: 66px;
        flex-wrap: wrap;
        justify-content: center;
    }

    .svc-sticky-bar__title {
        width: 100%;
        text-align: center;
        font-size: 14px;
    }

    .svc-sticky-bar__actions {
        justify-content: center;
    }

    .vip-cta__actions .vsure-btn,
    .vmh-cta__actions .vsure-btn,
    .vloc-cta__actions .vsure-btn,
    .vad-cta__actions .vsure-btn,
    .vip-advice-strip__actions .vsure-btn,
    .vip-hero__cta-row .vsure-btn {
        width: 100%;
        justify-content: center;
    }
}


/* =============================================================================
   FAQ PAGE (.vip-faq-)
   ============================================================================= */

.vip-hero--faq {
    background-image: linear-gradient(120deg, rgba(8, 24, 52, 0.92), rgba(16, 43, 82, 0.76)), url("../images/v2-why-bg.webp");
}

.vip-faq-main {
    padding: 60px 0;
}

.vip-faq-layout {
    display: grid;
    grid-template-columns: minmax(0, 1.6fr) minmax(280px, 0.72fr);
    gap: 28px;
    align-items: start;
}

.vip-faq-list {
    border-top: 1px solid var(--vip-line);
}

.vip-faq-item {
    border-bottom: 1px solid var(--vip-line);
}

.vip-faq-question {
    width: 100%;
    border: 0;
    background: transparent !important;
    -webkit-appearance: none;
    appearance: none;
    box-shadow: none !important;
    text-align: left;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    padding: 18px 4px;
    color: #10284f;
    font-family: var(--font-heading);
    font-size: 18px;
    font-weight: 700;
    cursor: pointer;
    line-height: 1.3;
}

.vip-faq-question:hover,
.vip-faq-question:focus,
.vip-faq-question:active {
    background: transparent !important;
    outline: none;
    box-shadow: none !important;
}

.vip-faq-question:focus-visible {
    outline: 2px solid var(--color-accent, #c41e3a);
    outline-offset: 2px;
    border-radius: 3px;
}

.vip-faq-question[aria-expanded="true"] {
    color: var(--color-accent, #c41e3a);
    background: transparent !important;
}

.vip-faq-chevron {
    flex-shrink: 0;
    transition: transform 0.25s ease;
    color: #7789a4;
}

.vip-faq-question[aria-expanded="true"] .vip-faq-chevron {
    transform: rotate(180deg);
}

.vip-faq-answer {
    padding: 0 4px 18px;
    color: var(--vip-muted);
    font-size: 15px;
    line-height: 1.7;
}

.vip-faq-answer[hidden] {
    display: none;
}

.vip-faq-sidebar {
    display: grid;
    gap: 14px;
    position: sticky;
    top: 108px;
}

@media (max-width: 1100px) {
    .vip-faq-layout {
        grid-template-columns: 1fr;
    }
    .vip-faq-sidebar {
        position: static;
    }
}


/* =============================================================================
   GLOSSARY PAGE (.vip-glossary-)
   ============================================================================= */

.vip-hero--glossary {
    background-image: linear-gradient(120deg, rgba(8, 24, 52, 0.92), rgba(16, 43, 82, 0.76)), url("../images/v2-why-bg.webp");
}

.vip-glossary-alpha {
    position: sticky;
    top: 104px;
    z-index: 90;
    background: rgba(255, 255, 255, 0.96);
    border-top: 1px solid #edf2f8;
    border-bottom: 1px solid #dbe3ef;
    backdrop-filter: blur(7px);
}

.vip-glossary-alpha__inner {
    min-height: 52px;
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 4px;
    padding: 8px 0;
}

.vip-glossary-alpha__link {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 34px;
    min-height: 34px;
    border-radius: 8px;
    border: 1px solid #d6e0ef;
    background: #fff;
    color: #1d3e71;
    text-decoration: none;
    font-family: var(--font-body);
    font-size: 13px;
    font-weight: 700;
    transition: background 0.15s ease, color 0.15s ease;
}

.vip-glossary-alpha__link:hover {
    background: #0f2548;
    border-color: #0f2548;
    color: #fff;
}

.vip-glossary-main {
    padding: 48px 0;
}

.vip-glossary-layout {
    display: grid;
    grid-template-columns: minmax(0, 1.6fr) minmax(280px, 0.72fr);
    gap: 28px;
    align-items: start;
}

.vip-glossary-body {
    display: grid;
    gap: 36px;
}

.vip-glossary-group {
    scroll-margin-top: 170px;
}

.vip-glossary-group__letter {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 48px;
    height: 48px;
    border-radius: 12px;
    background: #0f2a54;
    color: #fff;
    font-family: var(--font-heading);
    font-size: 24px;
    font-weight: 700;
    margin-bottom: 16px;
}

.vip-glossary-entry {
    padding: 16px 0;
    border-bottom: 1px solid var(--vip-line);
}

.vip-glossary-entry:last-child {
    border-bottom: 0;
}

.vip-glossary-entry__term {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 18px;
    color: #10284f;
    margin: 0 0 6px;
}

.vip-glossary-entry__def {
    font-size: 14px;
    line-height: 1.7;
    color: var(--vip-muted);
    margin: 0;
}

.vip-glossary-sidebar {
    display: grid;
    gap: 14px;
    position: sticky;
    top: 170px;
}

@media (max-width: 1100px) {
    .vip-glossary-layout {
        grid-template-columns: 1fr;
    }
    .vip-glossary-sidebar {
        position: static;
    }
}

@media (max-width: 767px) {
    .vip-glossary-alpha {
        top: 86px;
    }
    .vip-glossary-alpha__inner {
        overflow-x: auto;
        flex-wrap: nowrap;
    }
    .vip-glossary-alpha__link {
        min-width: 30px;
        min-height: 30px;
        font-size: 12px;
    }
}


/* =============================================================================
   CASE STUDIES PAGE (.vip-case-)
   ============================================================================= */

.vip-hero--cases {
    background-image: linear-gradient(120deg, rgba(8, 24, 52, 0.92), rgba(16, 43, 82, 0.76)), url("../images/home-hero-2.webp");
}

.vip-cases-main {
    padding: 60px 0;
}

.vip-cases-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 20px;
    margin-top: 24px;
}

.vip-case-card {
    border-radius: 16px;
    border: 1px solid var(--vip-line);
    background: var(--vip-card);
    box-shadow: 0 8px 24px rgba(10, 26, 58, 0.05);
    overflow: hidden;
    transition: box-shadow 0.25s ease, border-color 0.25s ease;
}

.vip-case-card:hover {
    border-color: #aac1e5;
    box-shadow: 0 16px 34px rgba(10, 26, 58, 0.12);
}

.vip-case-card__head {
    display: grid;
    grid-template-columns: 48px 1fr;
    gap: 14px;
    padding: 20px;
    border-bottom: 1px solid var(--vip-line);
    align-items: center;
}

.vip-case-card__icon {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    background: rgba(196, 30, 58, 0.08);
    color: var(--vip-red, #c41e3a);
    display: inline-flex;
    align-items: center;
    justify-content: center;
}

.vip-case-card__icon svg {
    width: 24px;
    height: 24px;
}

.vip-case-card__cat {
    display: inline-block;
    font-family: var(--font-body);
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--vip-red);
    margin-bottom: 4px;
}

.vip-case-card__headline {
    font-family: var(--font-heading);
    font-size: 17px;
    font-weight: 700;
    color: #10284f;
    margin: 0;
    line-height: 1.15;
}

.vip-case-card__meta {
    padding: 18px 20px;
    display: grid;
    gap: 10px;
}

.vip-case-card__detail {
    display: grid;
    grid-template-columns: auto 1fr;
    gap: 8px;
    align-items: start;
    font-size: 14px;
    line-height: 1.55;
    color: var(--vip-muted);
}

.vip-case-card__detail strong {
    color: #10284f;
}

.vip-case-card__outcome {
    padding: 16px 20px;
    background: #f3f7fd;
    border-top: 1px solid var(--vip-line);
}

.vip-case-card__outcome strong {
    display: block;
    font-size: 11px;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--vip-red);
    margin-bottom: 6px;
}

.vip-cases-cta {
    margin-top: 48px;
    text-align: center;
}

@media (max-width: 767px) {
    .vip-cases-grid {
        grid-template-columns: 1fr;
    }
}


/* =============================================================================
   PRIVACY PAGE (.vip-privacy-)
   ============================================================================= */

.vip-hero--privacy {
    background-image: linear-gradient(120deg, rgba(8, 24, 52, 0.92), rgba(16, 43, 82, 0.76)), url("../images/home-process-bg.webp");
}

.vip-privacy-content {
    padding: 52px 0;
}

.vip-privacy-grid {
    display: grid;
    grid-template-columns: minmax(200px, 0.6fr) minmax(0, 1.6fr);
    gap: 28px;
    align-items: start;
}

.vip-privacy-toc {
    position: sticky;
    top: 108px;
    border-radius: 16px;
    border: 1px solid var(--vip-line);
    background: var(--vip-card);
    padding: 18px;
}

.vip-privacy-toc__heading {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 16px;
    color: #10284f;
    margin: 0 0 12px;
}

.vip-privacy-toc__list {
    list-style: none;
    margin: 0;
    padding: 0;
    display: grid;
    gap: 6px;
}

.vip-privacy-toc__list a {
    display: block;
    padding: 7px 10px;
    border-radius: 8px;
    font-size: 13px;
    color: #355375;
    text-decoration: none;
    transition: background 0.15s ease;
}

.vip-privacy-toc__list a:hover {
    background: #eef4fc;
    color: #0f2548;
}

.vip-privacy-body {
    max-width: 78ch;
}

.vip-policy-section {
    scroll-margin-top: 120px;
    margin-bottom: 32px;
}

.vip-policy-section h2 {
    font-size: clamp(24px, 3vw, 34px);
    color: #10284f;
    margin: 0 0 14px;
    line-height: 1.1;
}

.vip-policy-section p,
.vip-policy-section li {
    font-size: 15px;
    line-height: 1.75;
    color: var(--vip-muted);
}

.vip-policy-section ul {
    padding-left: 20px;
}

.vip-policy-address {
    font-style: normal;
    font-size: 14px;
    line-height: 1.7;
    color: var(--vip-muted);
    background: #f8fbff;
    border: 1px solid var(--vip-line);
    border-radius: 10px;
    padding: 14px;
    display: inline-block;
}

@media (max-width: 1100px) {
    .vip-privacy-grid {
        grid-template-columns: 1fr;
    }
    .vip-privacy-toc {
        position: static;
    }
}


/* =============================================================================
   LENDERS PAGE (.vip-lenders-)
   ============================================================================= */

.vip-hero--lenders {
    background-image: linear-gradient(120deg, rgba(8, 24, 52, 0.92), rgba(16, 43, 82, 0.76)), url("../images/home-hero-2.webp");
}

.vip-lenders-why {
    padding: 64px 0;
}

.vip-lenders-why__grid {
    display: grid;
    grid-template-columns: minmax(0, 1.4fr) minmax(280px, 0.7fr);
    gap: 28px;
    align-items: start;
}

.vip-lenders-why__stats {
    display: grid;
    gap: 14px;
}

.vip-lenders-why__stat {
    border-radius: 16px;
    border: 1px solid var(--vip-line);
    background: var(--vip-card);
    padding: 18px;
    box-shadow: 0 8px 24px rgba(10, 26, 58, 0.05);
}

.vip-lenders-why__num {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: clamp(28px, 3.5vw, 44px);
    color: var(--vip-red);
    line-height: 1;
    margin-bottom: 4px;
}

.vip-lenders-panel {
    padding: 52px 0;
}

.vip-lenders-panel--mortgages {
    background: var(--vip-bg);
}

.vip-lenders-panel--protection {
    background: #fff;
}

.vip-lenders-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 14px;
    margin-top: 24px;
}

.vip-lender-badge {
    border-radius: 12px;
    border: 1px solid var(--vip-line);
    background: var(--vip-card);
    padding: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    min-height: 70px;
    font-family: var(--font-body);
    font-weight: 700;
    font-size: 14px;
    color: #10284f;
    text-align: center;
    transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.vip-lender-badge:hover {
    border-color: #aac1e5;
    box-shadow: 0 8px 20px rgba(10, 26, 58, 0.08);
}

.vip-lenders-openwork {
    background: #0f2548;
    padding: 64px 0;
}

.vip-lenders-openwork__inner {
    display: grid;
    grid-template-columns: minmax(0, 1.3fr) minmax(240px, 0.6fr);
    gap: 28px;
    align-items: center;
}

.vip-lenders-openwork__inner h2 {
    color: #fff;
    margin: 0 0 14px;
}

.vip-lenders-openwork__inner p {
    color: rgba(236, 244, 255, 0.84);
    font-size: 16px;
    line-height: 1.7;
}

.vip-lenders-openwork__badge {
    text-align: center;
}

.vip-lenders-openwork__badge-inner {
    border-radius: 16px;
    border: 1px solid rgba(255, 255, 255, 0.16);
    background: rgba(255, 255, 255, 0.06);
    padding: 24px;
    display: inline-block;
}

.vip-lenders-openwork__badge-logo {
    max-width: 180px;
    height: auto;
    margin-bottom: 12px;
    filter: brightness(0) invert(1);
    opacity: 0.85;
}

@media (max-width: 1100px) {
    .vip-lenders-why__grid,
    .vip-lenders-openwork__inner {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 767px) {
    .vip-lenders-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}


/* =============================================================================
   CAREERS PAGE (.vip-story, .vip-vacancy-, .vip-openwork-, .vip-tag)
   ============================================================================= */

.vip-hero--careers {
    background-image: linear-gradient(120deg, rgba(8, 24, 52, 0.92), rgba(16, 43, 82, 0.76)), url("../images/home-whatwedo-bg.webp");
}

.vip-story {
    padding: 64px 0;
}

.vip-story__content {
    max-width: 72ch;
}

.vip-story__content p {
    font-size: 16px;
    line-height: 1.75;
}

.vip-story__sidebar {
    display: grid;
    gap: 14px;
}

.vip-story__values {
    border-radius: 16px;
    border: 1px solid var(--vip-line);
    background: var(--vip-card);
    padding: 20px;
    box-shadow: 0 8px 24px rgba(10, 26, 58, 0.05);
}

.vip-story__stat-num {
    font-family: var(--font-heading);
    color: #10284f;
    font-size: clamp(32px, 4vw, 54px);
    line-height: 0.95;
}

.vip-values-list,
.vip-check-list {
    list-style: none;
    margin: 14px 0 0;
    padding: 0;
    display: grid;
    gap: 8px;
}

.vip-values-list li,
.vip-check-list li {
    display: grid;
    grid-template-columns: 18px 1fr;
    gap: 10px;
    align-items: start;
    font-size: 14px;
    line-height: 1.6;
    color: var(--vip-muted);
}

.vip-values-list li svg,
.vip-check-list li svg {
    color: #25a56a;
    margin-top: 3px;
}

.vip-vacancies {
    padding: 64px 0;
    background: var(--vip-bg);
}

.vip-vacancies-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 16px;
    margin-top: 24px;
}

.vip-vacancy-card {
    border-radius: 16px;
    border: 1px solid var(--vip-line);
    background: var(--vip-card);
    box-shadow: 0 8px 24px rgba(10, 26, 58, 0.05);
    overflow: hidden;
    display: flex;
    flex-direction: column;
    transition: border-color 0.3s ease, box-shadow 0.3s ease, transform 0.3s ease;
}

.vip-vacancy-card:hover {
    border-color: #aac1e5;
    box-shadow: 0 16px 34px rgba(10, 26, 58, 0.12);
}

.vip-vacancy-card__header {
    display: grid;
    grid-template-columns: 44px 1fr;
    gap: 12px;
    padding: 18px 20px;
    border-bottom: 1px solid var(--vip-line);
    align-items: start;
}

.vip-vacancy-card__icon {
    width: 44px;
    height: 44px;
    border-radius: 11px;
    background: rgba(196, 30, 58, 0.08);
    color: var(--vip-red, #c41e3a);
    display: inline-flex;
    align-items: center;
    justify-content: center;
}

.vip-vacancy-card__icon svg {
    width: 22px;
    height: 22px;
}

.vip-vacancy-card__title {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 17px;
    color: #10284f;
    margin: 0;
    line-height: 1.25;
}

.vip-vacancy-card__tags {
    display: flex;
    flex-wrap: wrap;
    gap: 6px;
    margin-top: 8px;
}

.vip-tag {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    padding: 4px 10px;
    border-radius: 6px;
    font-family: var(--font-body);
    font-size: 11px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    border: 1px solid #d6e0ef;
    background: #f7fafe;
    color: #355375;
}

.vip-tag--green {
    background: #e8f9ef;
    border-color: #b0e0c5;
    color: #1a6f3e;
}

.vip-tag--blue {
    background: #e8f0fa;
    border-color: #a4c2e8;
    color: #154175;
}

.vip-tag--amber {
    background: #fef6e7;
    border-color: #f0d49a;
    color: #7a5f1d;
}

.vip-vacancy-card__body {
    padding: 16px 20px;
    flex: 1;
}

.vip-vacancy-card__body p {
    font-size: 14px;
    line-height: 1.65;
}

.vip-vacancy-card__footer {
    padding: 14px 20px;
    border-top: 1px solid var(--vip-line);
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 10px;
}

.vip-vacancy-card__location {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 12px;
    color: #6f819d;
}

.vip-openwork {
    padding: 64px 0;
    background: #fff;
}

.vip-openwork__content {
    max-width: 72ch;
}

.vip-openwork__subheading {
    font-family: var(--font-heading);
    font-size: 20px;
    font-weight: 700;
    color: #10284f;
    margin: 24px 0 10px;
}

.vip-openwork__badge-col {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 14px;
}

.vip-openwork__badge {
    border-radius: 16px;
    border: 1px solid var(--vip-line);
    background: var(--vip-card);
    padding: 24px;
    text-align: center;
    box-shadow: 0 8px 24px rgba(10, 26, 58, 0.05);
}

.vip-openwork__badge-logo {
    max-width: 160px;
    height: auto;
    margin-bottom: 12px;
}

.vip-openwork__fca-ref {
    font-family: var(--font-body);
    font-size: 12px;
    color: #6f819d;
    margin-top: 8px;
}

.vip-cta__contact-note {
    margin-top: 14px;
    font-size: 13px;
    color: rgba(255, 255, 255, 0.6);
}

@media (max-width: 767px) {
    .vip-vacancies-grid {
        grid-template-columns: 1fr;
    }
}


/* =============================================================================
   SHARED INNER PAGE UTILITIES (section header, sidebar)
   ============================================================================= */

.vip-section-header {
    text-align: center;
    max-width: 820px;
    margin: 0 auto 40px;
}

.vip-section-title {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: clamp(30px, 4vw, 50px);
    line-height: 1.08;
    color: #10284f;
    margin: 0 0 16px;
    letter-spacing: -0.02em;
}

.vip-section-sub {
    font-family: var(--font-body);
    font-size: 17px;
    line-height: 1.7;
    color: var(--vip-muted);
    margin: 0;
    max-width: 68ch;
}

.vip-section-header .vip-section-sub {
    margin-left: auto;
    margin-right: auto;
}

.vip-sidebar-cta__phone {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-top: 12px;
    font-size: 14px;
    color: var(--vip-red);
    font-weight: 700;
    text-decoration: none;
}

.vip-sidebar-related__title {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 16px;
    color: #10284f;
    margin: 0 0 10px;
}

.vip-sidebar-related__item {
    display: block;
    padding: 10px 0;
    border-bottom: 1px solid var(--vip-line);
    color: #355375;
    text-decoration: none;
    font-size: 14px;
    transition: color 0.15s ease;
}

.vip-sidebar-related__item:last-child {
    border-bottom: 0;
}

.vip-sidebar-related__item:hover {
    color: var(--vip-red);
}


/* =============================================================================
   404 PAGE (.vip-404)
   ============================================================================= */

.vip-404 {
    padding: 100px 0 80px;
    text-align: center;
    min-height: 60vh;
    display: flex;
    align-items: center;
}

.vip-404__inner {
    max-width: 700px;
    margin: 0 auto;
    padding-left: 0;
    padding-right: 0;
}

.vip-404__number {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: clamp(100px, 18vw, 200px);
    line-height: 1;
    color: #dce4ef;
    letter-spacing: -0.04em;
    margin-bottom: 8px;
}

.vip-404__title {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: clamp(28px, 4vw, 44px);
    color: #10284f;
    margin: 0 0 12px;
}

.vip-404__sub {
    font-size: 17px;
    color: var(--vip-muted);
    line-height: 1.7;
    margin: 0 0 32px;
}

.vip-404__links {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    justify-content: center;
    margin-bottom: 40px;
}

.vip-404__popular {
    text-align: left;
    border-radius: 16px;
    border: 1px solid var(--vip-line);
    background: var(--vip-card);
    padding: 20px 24px;
    margin-bottom: 28px;
}

.vip-404__popular-label {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 16px;
    color: #10284f;
    margin: 0 0 10px;
}

.vip-404__popular ul {
    list-style: none;
    margin: 0;
    padding: 0;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 6px 20px;
}

.vip-404__popular li a {
    font-size: 14px;
    color: #355375;
    text-decoration: none;
    transition: color 0.15s ease;
}

.vip-404__popular li a:hover {
    color: var(--vip-red);
}

.vip-404__contact {
    font-size: 14px;
    color: var(--vip-muted);
}

.vip-404__contact a {
    color: var(--vip-red);
    font-weight: 600;
    text-decoration: none;
}


/* =============================================================================
   TEAM PAGE — FEATURED CARD (.vtm-featured)
   ============================================================================= */

.vtm-section {
    padding: 64px 0;
}

.vtm-featured__photo-wrap {
    position: relative;
    overflow: hidden;
    border-radius: 20px;
    flex-shrink: 0;
}

.vtm-featured__founder-badge {
    position: absolute;
    top: 16px;
    left: 16px;
    background: var(--color-accent, #C41E3A);
    color: #fff;
    font-family: var(--font-body);
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    padding: 5px 14px;
    border-radius: 8px;
}

.vtm-featured__bio {
    font-size: 15px;
    color: var(--vip-muted);
    line-height: 1.7;
    margin: 0 0 16px;
}

.vtm-featured__title {
    font-family: var(--font-body);
    font-size: 15px;
    font-weight: 600;
    color: var(--color-accent, #C41E3A);
    margin: 0 0 12px;
}

.vtm-featured__since {
    font-size: 13px;
    color: var(--vip-muted);
    margin: 0 0 6px;
}

.vtm-featured__quals {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin: 14px 0;
}

.vtm-featured__spec {
    font-size: 14px;
    color: var(--vip-muted);
    line-height: 1.6;
    margin: 0 0 16px;
}

.vtm-featured__contact {
    display: flex;
    flex-wrap: wrap;
    gap: 12px 24px;
    margin-top: 16px;
}

.vtm-featured__phone,
.vtm-featured__email {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 14px;
    color: #355375;
    text-decoration: none;
    font-weight: 600;
    transition: color 0.15s ease;
}

.vtm-featured__phone:hover,
.vtm-featured__email:hover {
    color: var(--vip-red);
}

.vtm-featured__cta {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    margin-top: 18px;
    font-size: 14px;
    font-weight: 700;
    color: var(--vip-red);
}

.vtm-qual-badge {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    padding: 4px 10px;
    border-radius: 6px;
    font-family: var(--font-body);
    font-size: 11px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    background: #e8f9ef;
    border: 1px solid #b0e0c5;
    color: #1a6f3e;
}


/* =============================================================================
   TEAM PAGE — CARD GRID (.vtm-card)
   ============================================================================= */

.vtm-card--link {
    text-decoration: none;
    color: inherit;
    display: flex;
    flex-direction: column;
}

.vtm-card__photo-wrap {
    position: relative;
    overflow: hidden;
    border-radius: 16px 16px 0 0;
}

.vtm-card__loc-badge {
    position: absolute;
    bottom: 12px;
    left: 12px;
    background: rgba(0, 0, 0, 0.6);
    color: #fff;
    font-size: 11px;
    font-weight: 600;
    padding: 4px 10px;
    border-radius: 6px;
    backdrop-filter: blur(4px);
}

.vtm-card__hover-overlay {
    position: absolute;
    inset: 0;
    background: rgba(16, 40, 79, 0.7);
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-body);
    font-size: 14px;
    font-weight: 700;
    opacity: 0;
    transition: opacity 0.25s ease;
}

.vtm-card--link:hover .vtm-card__hover-overlay {
    opacity: 1;
}

.vtm-card__title {
    font-family: var(--font-body);
    font-size: 14px;
    font-weight: 600;
    margin: 0 0 8px;
}

.vtm-card__bio {
    font-size: 14px;
    color: var(--vip-muted);
    line-height: 1.6;
    margin: 0 0 12px;
    display: -webkit-box;
    -webkit-line-clamp: 3;
    -webkit-box-orient: vertical;
    overflow: hidden;
}

.vtm-card__quals {
    display: flex;
    flex-wrap: wrap;
    gap: 6px;
    margin-bottom: 10px;
}

.vtm-card__spec {
    font-size: 13px;
    color: var(--vip-muted);
    margin: 0 0 12px;
}

.vtm-card__cta {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    font-size: 13px;
    font-weight: 700;
    color: var(--vip-red);
    margin-top: auto;
}


/* =============================================================================
   TEAM PAGE — JOIN SECTION (.vtm-join)
   ============================================================================= */

.vtm-join {
    background: #0f2548;
    padding: 64px 0;
}

.vtm-join__inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 32px;
    flex-wrap: wrap;
}

.vtm-join__text {
    max-width: 560px;
}

.vtm-join__title {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: clamp(24px, 3vw, 36px);
    color: #fff;
    margin: 0 0 10px;
}

.vtm-join__sub {
    font-size: 16px;
    color: rgba(236, 244, 255, 0.8);
    line-height: 1.7;
    margin: 0;
}

.vtm-value__title {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 18px;
    color: #10284f;
    margin: 0 0 6px;
}

.vtm-value__body {
    font-size: 14px;
    color: var(--vip-muted);
    line-height: 1.65;
    margin: 0;
}

@media (max-width: 767px) {
    .vtm-join__inner {
        flex-direction: column;
        text-align: center;
    }
}


/* =============================================================================
   ADVISER PROFILE HERO (.vap-hero)
   ============================================================================= */

.vap-breadcrumb {
    margin-bottom: 12px;
}

.vap-hero__eyebrow {
    font-family: var(--font-body);
    font-size: 14px;
    font-weight: 600;
    color: var(--color-accent, #C41E3A);
    text-transform: uppercase;
    letter-spacing: 0.08em;
    margin: 0 0 8px;
}

.vap-hero__quals {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin: 16px 0;
}

.vap-hero__since {
    font-size: 14px;
    color: var(--vip-muted);
    margin: 0 0 14px;
}

.vap-hero__loc-badge {
    position: absolute;
    bottom: 16px;
    left: 16px;
    background: rgba(0, 0, 0, 0.6);
    color: #fff;
    font-size: 12px;
    font-weight: 600;
    padding: 6px 12px;
    border-radius: 8px;
    display: inline-flex;
    align-items: center;
    gap: 6px;
    backdrop-filter: blur(4px);
}


/* =============================================================================
   ADVISER DETAIL (.vad-) — ABOUT, CONTACT CARD, CREDENTIALS, REVIEWS
   ============================================================================= */

.vad-about {
    padding: 64px 0;
}

.vad-about__inner {
    display: grid;
    grid-template-columns: minmax(0, 1.5fr) minmax(280px, 0.6fr);
    gap: 40px;
    align-items: start;
}

.vad-about__content {
    /* content column */
}

.vad-about__body {
    margin-top: 20px;
}

.vad-about__body p {
    font-size: 16px;
    line-height: 1.75;
    color: var(--vip-muted);
    margin: 0 0 14px;
}

.vad-about__details {
    margin-top: 24px;
    display: grid;
    gap: 14px;
}

.vad-about__sidebar {
    display: grid;
    gap: 20px;
    position: sticky;
    top: 100px;
}

.vad-detail {
    display: grid;
    grid-template-columns: 22px 1fr;
    gap: 10px;
    align-items: start;
    font-size: 14px;
    line-height: 1.5;
}

.vad-detail strong {
    display: block;
    color: #10284f;
    font-weight: 700;
    margin-bottom: 2px;
}

.vad-detail span {
    color: var(--vip-muted);
}

.vad-detail a {
    color: var(--vip-red);
    text-decoration: none;
    font-weight: 600;
}

.vad-contact-card {
    border-radius: 16px;
    border: 1px solid var(--vip-line);
    background: var(--vip-card);
    padding: 24px;
    text-align: center;
    box-shadow: 0 8px 24px rgba(10, 26, 58, 0.05);
}

.vad-contact-card__avatar {
    width: 64px;
    height: 64px;
    border-radius: 50%;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    color: #fff;
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 22px;
    margin-bottom: 12px;
}

.vad-contact-card__name {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 18px;
    color: #10284f;
    margin: 0 0 6px;
}

.vad-contact-card__sub {
    font-size: 14px;
    color: var(--vip-muted);
    line-height: 1.6;
    margin: 0 0 16px;
}

.vad-contact-card__phone {
    display: block;
    margin-top: 12px;
    font-size: 15px;
    font-weight: 700;
    color: var(--vip-red);
    text-decoration: none;
}

.vad-contact-card__availability {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    margin-top: 10px;
    font-size: 12px;
    color: var(--vip-muted);
}

.vad-contact-card__dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: #25a56a;
    display: inline-block;
}

.vad-credentials {
    border-radius: 16px;
    border: 1px solid var(--vip-line);
    background: var(--vip-card);
    padding: 20px 24px;
    box-shadow: 0 8px 24px rgba(10, 26, 58, 0.05);
}

.vad-credentials__title {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 16px;
    color: #10284f;
    margin: 0 0 10px;
}

.vad-credentials__list {
    list-style: none;
    margin: 0;
    padding: 0;
}

.vad-credentials__list li {
    padding: 6px 0;
    border-bottom: 1px solid var(--vip-line);
    font-size: 13px;
    color: var(--vip-muted);
}

.vad-credentials__list li:last-child {
    border-bottom: 0;
}

.vad-qual-badge {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    padding: 4px 10px;
    border-radius: 6px;
    font-family: var(--font-body);
    font-size: 11px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    background: #e8f9ef;
    border: 1px solid #b0e0c5;
    color: #1a6f3e;
}

/* Specialisms */
.vad-specialisms {
    padding: 64px 0;
    background: var(--vip-bg);
}

.vad-spec-card__body {
    font-size: 14px;
    color: var(--vip-muted);
    line-height: 1.65;
    margin: 0 0 14px;
}

.vad-spec-card__link {
    font-size: 13px;
    font-weight: 700;
    color: var(--vip-red);
    display: inline-flex;
    align-items: center;
    gap: 4px;
}

/* Stats & Reviews */
.vad-stat__unit {
    font-size: 14px;
    color: var(--vip-muted);
}

.vad-reviews {
    padding: 64px 0;
}

.vad-review-card__text {
    font-size: 15px;
    color: var(--vip-muted);
    line-height: 1.7;
    margin: 0 0 16px;
    font-style: italic;
}

.vad-review-card__name {
    font-weight: 700;
    color: #10284f;
    font-size: 14px;
}

.vad-review-card__loc {
    font-size: 13px;
    color: var(--vip-muted);
}

/* CTA sub-elements */
.vad-cta__title {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: clamp(24px, 3vw, 36px);
    color: #fff;
    margin: 0 0 10px;
}

.vad-cta__sub {
    font-size: 16px;
    color: rgba(236, 244, 255, 0.8);
    line-height: 1.7;
    margin: 0;
}

.vad-cta__text {
    max-width: 560px;
}

.vad-hero__content {
    /* hero content column */
}

.vad-hero__initials {
    width: 100px;
    height: 100px;
    border-radius: 50%;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    color: #fff;
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 36px;
}

.vad-hero__online-badge {
    position: absolute;
    bottom: 14px;
    right: 14px;
    background: rgba(0, 0, 0, 0.55);
    color: #fff;
    font-size: 11px;
    font-weight: 600;
    padding: 5px 12px;
    border-radius: 8px;
    display: inline-flex;
    align-items: center;
    gap: 6px;
    backdrop-filter: blur(4px);
}

.vad-hero__online-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: #25a56a;
    display: inline-block;
}

.vad-hero__quals {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin: 14px 0;
}

@media (max-width: 1100px) {
    .vad-about__inner {
        grid-template-columns: 1fr;
    }
    .vad-about__sidebar {
        position: static;
    }
}


/* =============================================================================
   SERVICES HUB PAGE — CATEGORY & CARD ELEMENTS (.hub-)
   ============================================================================= */

.hub-page {
    /* wrapper — inherits from .vip-page */
}

.hub-cat {
    padding: 64px 0;
}

.hub-cat--alt {
    background: var(--vip-bg);
}

.hub-cat__header {
    max-width: 720px;
    margin-bottom: 32px;
}

.hub-cat__title {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: clamp(30px, 4vw, 48px);
    color: #10284f;
    margin: 0 0 12px;
    line-height: 1.08;
    letter-spacing: -0.02em;
}

.hub-cat__sub {
    font-size: 16px;
    color: var(--vip-muted);
    line-height: 1.7;
    margin: 0;
    max-width: 65ch;
}

.hub-card__body {
    flex: 1;
}

.hub-card__title {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 18px;
    color: #10284f;
    margin: 0 0 6px;
    line-height: 1.2;
}

.hub-card__text {
    font-size: 14px;
    color: var(--vip-muted);
    line-height: 1.6;
    margin: 0;
}

.hub-card__arrow {
    font-size: 20px;
    color: var(--vip-red);
    flex-shrink: 0;
    transition: transform 0.2s ease;
}

.hub-card:hover .hub-card__arrow {
    transform: translateX(3px);
}

.hub-why__icon {
    font-size: 28px;
    margin-bottom: 10px;
    display: block;
}


/* =============================================================================
   SERVICE PAGE ELEMENTS (.svc-)
   ============================================================================= */

.svc-page {
    /* wrapper */
}

.svc-content {
    padding: 48px 0 64px;
    background: var(--vip-bg, #f4f7fc);
}

.svc-sidebar__box h3 {
    font-family: var(--font-heading, 'Boska', Georgia, serif);
    font-size: 16px;
    font-weight: 700;
    color: #10284f;
    margin: 0 0 14px;
    padding-bottom: 10px;
    border-bottom: 1px solid var(--vip-line, #dde4f0);
}

.svc-features-list li svg {
    color: var(--vip-red, #c41e3a);
    flex-shrink: 0;
    margin-top: 1px;
}

.svc-fca-warning {
    margin-top: 28px;
    padding: 16px 20px;
    border-radius: 12px;
    background: #fef6e7;
    border: 1px solid #f0d49a;
    font-size: 13px;
    color: #7a5f1d;
    line-height: 1.65;
}

.svc-related {
    padding: 64px 0;
    background: var(--vip-bg);
}

.svc-related__header {
    margin-bottom: 24px;
}

.svc-related__title {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: clamp(20px, 2vw, 26px);
    color: #10284f;
    margin: 0;
}

.svc-related-card__title {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 18px;
    color: #10284f;
    margin: 0 0 4px;
}

.svc-related-card__cat {
    font-size: 12px;
    font-weight: 600;
    color: var(--vip-red);
    text-transform: uppercase;
    letter-spacing: 0.06em;
}

.svc-related-card__arrow {
    font-size: 18px;
    color: var(--vip-red);
    transition: transform 0.2s ease;
}

.svc-related-card:hover .svc-related-card__arrow {
    transform: translateX(3px);
}

/* Sidebar sub-elements */
.svc-sidebar__box--contact {
    /* contact variant — inherits from .svc-sidebar__box */
}

.svc-sidebar__box--features {
    /* features variant */
}

.svc-sidebar__box--hours {
    /* hours variant */
}

.svc-sidebar__phone {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 18px;
    font-weight: 700;
    color: var(--vip-red);
    text-decoration: none;
    margin-bottom: 10px;
}

.svc-sidebar__contact-label {
    font-size: 13px;
    color: var(--vip-muted);
    margin-bottom: 4px;
}

.svc-sidebar__contact-note {
    font-size: 12px;
    color: var(--vip-muted);
    margin-top: 8px;
}

.svc-sidebar__message-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 100%;
    padding: 10px 20px;
    border-radius: 8px;
    border: 1px solid var(--vip-line);
    background: var(--vip-card);
    color: #10284f;
    font-family: var(--font-body);
    font-size: 14px;
    font-weight: 600;
    text-decoration: none;
    text-align: center;
    transition: border-color 0.2s ease, background 0.2s ease;
    margin-top: 10px;
}

.svc-sidebar__message-btn:hover {
    border-color: var(--vip-red);
    background: #fdf2f4;
}


/* =============================================================================
   CALCULATOR PAGE ELEMENTS (.calc-)
   ============================================================================= */

.calc-sections {
    /* sections wrapper */
}

.calc-section--credit {
    /* credit section variant */
}

.calc-card__eyebrow {
    font-size: 12px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--vip-red);
}

.calc-card__title {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 17px;
    color: #10284f;
    margin: 4px 0 6px;
    line-height: 1.25;
}

.calc-card__desc {
    font-size: 14px;
    color: var(--vip-muted);
    line-height: 1.6;
    margin: 0;
}

.calc-error {
    color: #b91c1c;
    font-weight: 600;
    font-size: 14px;
    padding: 8px 0;
}

.calc-result__grid {
    display: grid;
    gap: 0;
    border: 1px solid var(--vip-line);
    border-radius: 12px;
    overflow: hidden;
    margin-top: 16px;
}

.calc-result__row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 12px 16px;
    font-size: 14px;
    border-bottom: 1px solid var(--vip-line);
}

.calc-result__row:last-child {
    border-bottom: 0;
}

.calc-result__row--strong {
    background: #f0f5fc;
    font-weight: 700;
}

.calc-result__label {
    color: var(--vip-muted);
}

.calc-result__value {
    color: #10284f;
    font-weight: 700;
    text-align: right;
}

.calc-result__note {
    font-size: 13px;
    color: var(--vip-muted);
    margin-top: 12px;
    line-height: 1.6;
}

.calc-result__breakdown {
    margin-top: 16px;
}

.calc-result__breakdown h4 {
    font-family: var(--font-heading);
    font-size: 16px;
    font-weight: 700;
    color: #10284f;
    margin: 0 0 8px;
}

.calc-breakdown-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 13px;
}

.calc-breakdown-table th {
    text-align: left;
    padding: 8px 12px;
    background: #f0f5fc;
    border-bottom: 1px solid var(--vip-line);
    font-weight: 700;
    color: #10284f;
}

.calc-breakdown-table td {
    padding: 8px 12px;
    border-bottom: 1px solid var(--vip-line);
    color: var(--vip-muted);
}

/* I&E calculator grid */
.calc-ie-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
}

.calc-ie-col {
    /* column wrapper */
}

.calc-ie-heading {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 18px;
    color: #10284f;
    margin: 0 0 14px;
    padding-bottom: 8px;
    border-bottom: 2px solid var(--vip-line);
}

.calc-ie-heading--income {
    border-color: #25a56a;
}

.calc-ie-heading--expense {
    border-color: #b91c1c;
}

/* Credit card section */
.calc-credit-card__content {
    /* content wrapper */
}

.calc-credit-card__title {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: clamp(22px, 3vw, 30px);
    color: #10284f;
    margin: 8px 0 14px;
}

.calc-credit-card__note {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    margin-top: 16px;
    font-size: 13px;
    color: var(--vip-muted);
    line-height: 1.5;
}

.calc-credit-provider__arrow {
    font-size: 16px;
    color: var(--vip-red);
    margin-left: auto;
    transition: transform 0.2s ease;
}

.calc-credit-provider:hover .calc-credit-provider__arrow {
    transform: translateX(3px);
}

@media (max-width: 767px) {
    .calc-ie-grid {
        grid-template-columns: 1fr;
    }
}


/* =============================================================================
   INNER PAGE — ARTICLES ELEMENTS
   ============================================================================= */

.vip-articles-hero-badge {
    display: inline-block;
    font-size: 12px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--vip-red);
    margin-bottom: 6px;
}

.vip-articles-hero-meta {
    display: flex;
    flex-wrap: wrap;
    gap: 8px 16px;
    font-size: 13px;
    color: var(--vip-muted);
    margin-top: 12px;
}

.vip-articles-section-kicker {
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--vip-red);
    margin: 0 0 6px;
}

.vip-articles-empty {
    text-align: center;
    padding: 40px 20px;
    font-size: 16px;
    color: var(--vip-muted);
}

/* Category filter */
.vip-cat-filter {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 24px;
}

.vip-cat-filter__tab {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    padding: 7px 16px;
    border-radius: 8px;
    border: 1px solid var(--vip-line);
    background: var(--vip-card);
    font-family: var(--font-body);
    font-size: 13px;
    font-weight: 600;
    color: #355375;
    text-decoration: none;
    transition: all 0.15s ease;
}

.vip-cat-filter__tab:hover,
.vip-cat-filter__tab.is-active {
    background: #10284f;
    color: #fff;
    border-color: #10284f;
}

.vip-cat-filter__count {
    font-size: 11px;
    opacity: 0.6;
}

/* Article card sub-elements */
.vip-article-card__cat {
    font-size: 11px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--vip-red);
}

.vip-article-card__excerpt {
    font-size: 14px;
    color: var(--vip-muted);
    line-height: 1.6;
    margin: 8px 0 0;
    display: -webkit-box;
    -webkit-line-clamp: 3;
    -webkit-box-orient: vertical;
    overflow: hidden;
}

.vip-article-card__meta {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 12px;
    color: var(--vip-muted);
    margin-top: 10px;
}

.vip-article-card__sep {
    opacity: 0.4;
}

.vip-article-card__read-time {
    font-size: 12px;
    color: var(--vip-muted);
}

.vip-article-card__no-img {
    background: linear-gradient(135deg, #e8f0fa 0%, #f0f5fc 100%);
}

/* Featured card sub-elements */
.vip-featured-post {
    margin-bottom: 40px;
}

.vip-featured-card__cat {
    font-size: 11px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--vip-red);
    margin-bottom: 6px;
}

.vip-featured-card__title {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: clamp(18px, 2vw, 22px);
    color: #10284f;
    margin: 0 0 10px;
    line-height: 1.2;
}

.vip-featured-card__meta {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 12px;
    color: var(--vip-muted);
    margin-bottom: 10px;
}

.vip-featured-card__sep {
    opacity: 0.4;
}

.vip-featured-card__excerpt {
    font-size: 15px;
    color: var(--vip-muted);
    line-height: 1.7;
    margin: 0 0 16px;
}

.vip-featured-card__cta {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 14px;
    font-weight: 700;
    color: var(--vip-red);
}

.vip-featured-card__image--placeholder {
    background: linear-gradient(135deg, #e8f0fa 0%, #f0f5fc 100%);
    min-height: 200px;
}

.vip-more-articles {
    padding: 64px 0;
    background: var(--vip-bg);
}


/* =============================================================================
   SINGLE POST — SIDEBAR, NAV, SHARING, AUTHOR BIO
   ============================================================================= */

.vip-post-wrap {
    /* post page wrapper */
}

.vip-post-cat {
    font-size: 12px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--vip-red);
    margin-bottom: 4px;
}

.vip-post-featured-img {
    border-radius: 16px;
    overflow: hidden;
    margin-bottom: 28px;
}

.vip-post-featured-img img {
    width: 100%;
    height: auto;
    display: block;
}

.vip-post-hero-meta {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 8px;
    font-size: 13px;
    color: var(--vip-muted);
    margin-bottom: 20px;
}

.vip-post-hero-meta__item {
    /* meta item */
}

.vip-post-hero-meta__sep {
    opacity: 0.4;
}

.vip-post-pages {
    margin-top: 24px;
    padding-top: 20px;
    border-top: 1px solid var(--vip-line);
    font-size: 14px;
    color: var(--vip-muted);
}

/* Share bar */
.vip-post-share--top {
    margin-bottom: 24px;
}

.vip-post-share--bottom {
    margin-top: 32px;
    padding-top: 20px;
    border-top: 1px solid var(--vip-line);
}

.vip-post-share__label {
    font-size: 13px;
    font-weight: 700;
    color: #10284f;
    margin-right: 10px;
}

.vip-share-btn--facebook { background: #1877f2; color: #fff; }
.vip-share-btn--twitter { background: #1da1f2; color: #fff; }
.vip-share-btn--linkedin { background: #0077b5; color: #fff; }
.vip-share-btn--copy { background: #e8f0fa; color: #355375; }

/* Post navigation */
.vip-post-nav__item--prev {
    text-align: left;
}

.vip-post-nav__item--next {
    text-align: right;
    margin-left: auto;
}

.vip-post-nav__dir {
    font-size: 12px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--vip-muted);
    margin-bottom: 4px;
}

.vip-post-nav__title {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 15px;
    color: #10284f;
    line-height: 1.3;
}

/* Author bio */
.vip-author-bio__avatar,
.vip-author-bio__initials {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    flex-shrink: 0;
}

.vip-author-bio__initials {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: #10284f;
    color: #fff;
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 20px;
}

.vip-author-bio__content {
    flex: 1;
}

.vip-author-bio__label {
    font-size: 11px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--vip-muted);
    margin: 0 0 4px;
}

.vip-author-bio__name {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 16px;
    color: #10284f;
    margin: 0 0 6px;
}

.vip-author-bio__desc {
    font-size: 14px;
    color: var(--vip-muted);
    line-height: 1.6;
    margin: 0 0 10px;
}

.vip-author-bio__cta {
    font-size: 13px;
    font-weight: 700;
    color: var(--vip-red);
    text-decoration: none;
}

/* Sidebar sub-elements */
.vip-sidebar-cta__title {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 18px;
    color: #10284f;
    margin: 0 0 8px;
}

.vip-sidebar-cta__body {
    font-size: 14px;
    color: var(--vip-muted);
    line-height: 1.6;
    margin: 0 0 14px;
}

.vip-sidebar-links__title {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 16px;
    color: #10284f;
    margin: 0 0 8px;
}

.vip-sidebar-links__list {
    list-style: none;
    margin: 0;
    padding: 0;
}

.vip-sidebar-links__list li {
    border-bottom: 1px solid var(--vip-line);
}

.vip-sidebar-links__list li:last-child {
    border-bottom: 0;
}

.vip-sidebar-links__list a {
    display: block;
    padding: 8px 0;
    font-size: 14px;
    color: #355375;
    text-decoration: none;
    transition: color 0.15s ease;
}

.vip-sidebar-links__list a:hover {
    color: var(--vip-red);
}

.vip-sidebar-related__thumb {
    width: 60px;
    height: 60px;
    border-radius: 8px;
    object-fit: cover;
    flex-shrink: 0;
}

.vip-sidebar-related__text {
    flex: 1;
}

.vip-sidebar-related__post-title {
    font-weight: 700;
    font-size: 14px;
    color: #10284f;
    line-height: 1.3;
}

.vip-sidebar-related__date {
    font-size: 12px;
    color: var(--vip-muted);
    margin-top: 4px;
}


/* =============================================================================
   CONTACT PAGE ELEMENTS
   ============================================================================= */

.vip-contact-main {
    padding: 64px 0;
}

.vip-contact-info {
    /* info column */
}

.vip-contact-info__intro {
    font-size: 16px;
    color: var(--vip-muted);
    line-height: 1.7;
    margin: 0 0 24px;
}

.vip-contact-social {
    margin-top: 20px;
}

.vip-contact-social__label {
    font-weight: 700;
    font-size: 14px;
    color: #10284f;
    margin: 0 0 8px;
}

.vip-contact-social__links {
    display: flex;
    gap: 10px;
}

.vip-contact-social__links a {
    width: 40px;
    height: 40px;
    border-radius: 10px;
    border: 1px solid var(--vip-line);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    color: #355375;
    transition: all 0.15s ease;
}

.vip-contact-social__links a:hover {
    border-color: var(--vip-red);
    color: var(--vip-red);
}

.vip-contact-form {
    /* form wrapper */
}

.vip-contact-form--fallback {
    padding: 24px;
    border-radius: 16px;
    background: var(--vip-card);
    border: 1px solid var(--vip-line);
}

.vip-contact-form-wrap {
    /* outer form wrapper */
}

.vip-contact-form-card__title {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 18px;
    color: #10284f;
    margin: 0 0 6px;
}

.vip-contact-form-card__sub {
    font-size: 14px;
    color: var(--vip-muted);
    margin: 0 0 20px;
}


/* =============================================================================
   ABOUT PAGE ELEMENTS
   ============================================================================= */

.vip-hero--about {
    background-image: linear-gradient(120deg, rgba(8, 24, 52, 0.92), rgba(16, 43, 82, 0.76)), url("../images/home-whatwedo-bg.webp");
}

.vip-team {
    padding: 64px 0;
}

.vip-team-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
    gap: 16px;
    margin-top: 24px;
}

.vip-team-note {
    text-align: center;
    margin-top: 20px;
    font-size: 14px;
    color: var(--vip-muted);
}

.vip-story__mission {
    margin-top: 24px;
    padding: 20px 24px;
    border-radius: 16px;
    background: #f0f5fc;
    border: 1px solid var(--vip-line);
}

.vip-story__stat {
    text-align: center;
}

.vip-story__stat-label {
    font-size: 13px;
    color: var(--vip-muted);
    margin-top: 4px;
}

.vip-story__stat-stack {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
}

/* Adviser card (used on about/team pages) */
.vip-adviser-card {
    border-radius: 16px;
    border: 1px solid var(--vip-line);
    background: var(--vip-card);
    overflow: hidden;
    text-decoration: none;
    color: inherit;
    display: flex;
    flex-direction: column;
    transition: border-color 0.3s ease, box-shadow 0.3s ease, transform 0.3s ease;
}

.vip-adviser-card:hover {
    border-color: #aac1e5;
    box-shadow: 0 12px 28px rgba(10, 26, 58, 0.1);
}

.vip-adviser-card__photo {
    width: 100%;
    aspect-ratio: 1;
    object-fit: cover;
    display: block;
}

.vip-adviser-card__photo--initials {
    width: 100%;
    aspect-ratio: 1;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 48px;
    color: #fff;
}

.vip-adviser-card__body {
    padding: 16px 20px;
    flex: 1;
}

.vip-adviser-card__name {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 18px;
    color: #10284f;
    margin: 0 0 2px;
}

.vip-adviser-card__role {
    font-size: 14px;
    font-weight: 600;
    color: var(--vip-red);
    margin: 0 0 8px;
}

.vip-adviser-card__meta {
    font-size: 13px;
    color: var(--vip-muted);
    margin: 0 0 8px;
}

.vip-adviser-card__tags {
    display: flex;
    flex-wrap: wrap;
    gap: 4px;
    margin-bottom: 10px;
}

.vip-adviser-card__locations {
    font-size: 12px;
    color: var(--vip-muted);
    display: flex;
    align-items: center;
    gap: 4px;
}

.vip-adviser-card__contact {
    padding: 12px 20px;
    border-top: 1px solid var(--vip-line);
    display: flex;
    gap: 12px;
    font-size: 13px;
}

.vip-adviser-card__contact a {
    color: var(--vip-red);
    text-decoration: none;
    font-weight: 600;
}


/* =============================================================================
   OUR STORY PAGE (.vos-)
   SEO target: independent mortgage adviser + brand searches
   ============================================================================= */

/* Hero variant */
.vip-hero--story {
    background-image: linear-gradient(120deg, rgba(8, 24, 52, 0.94), rgba(16, 43, 82, 0.78)), url("../images/home-hero-1.webp");
    background-position: center;
    background-size: cover;
}

/* Stats strip — dark proof bar */
.vos-stats-strip {
    background: #111;
    padding: 0;
}

.vos-stats-strip__grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
}

.vos-stat-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    text-align: center;
    padding: 28px 16px;
    border-right: 1px solid rgba(255, 255, 255, 0.07);
}

.vos-stat-item:last-child {
    border-right: none;
}

.vos-stat-item__num {
    font-family: var(--font-heading, Georgia, serif);
    font-size: clamp(26px, 3.2vw, 38px);
    font-weight: 700;
    color: #c41e3a;
    line-height: 1;
    margin-bottom: 6px;
}

.vos-stat-item__num sup {
    font-size: 0.55em;
    vertical-align: top;
    margin-top: 4px;
}

.vos-stat-item__label {
    font-family: var(--font-body, sans-serif);
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.07em;
    text-transform: uppercase;
    color: rgba(255, 255, 255, 0.45);
}

/* Story section — 2-col editorial */
.vos-story {
    padding: 80px 0;
    background: #fff;
}

.vos-story__grid {
    display: grid;
    grid-template-columns: minmax(0, 1.4fr) minmax(300px, 0.85fr);
    gap: 56px;
    align-items: start;
}

.vos-story__heading {
    font-family: var(--font-heading, Georgia, serif);
    font-size: clamp(26px, 3vw, 38px);
    font-weight: 700;
    color: #0f2340;
    line-height: 1.2;
    margin: 0 0 24px;
}

.vos-story__lead {
    font-size: 19px;
    line-height: 1.78;
    color: #1a3050;
    font-weight: 400;
    margin: 0 0 18px;
}

.vos-story__content p {
    font-size: 16px;
    line-height: 1.82;
    color: #3d526e;
    margin: 0 0 16px;
}

.vos-story__content p:last-child {
    margin-bottom: 0;
}

.vos-story__quote {
    margin: 32px 0 0;
    padding: 24px 28px;
    border-left: 4px solid #c41e3a;
    background: #f8f9fb;
    border-radius: 0 12px 12px 0;
}

.vos-story__quote p {
    font-family: var(--font-heading, Georgia, serif);
    font-size: 17px;
    font-style: italic;
    color: #1a3050;
    line-height: 1.65;
    margin: 0 0 12px;
}

.vos-story__quote footer {
    font-size: 13px;
    font-weight: 600;
    color: #c41e3a;
    font-style: normal;
}

/* Founder card in sidebar */
.vos-founder-card {
    display: flex;
    gap: 16px;
    align-items: flex-start;
    padding: 20px 24px;
    border-radius: 14px;
    border: 1px solid #e4e9f2;
    background: #fff;
    box-shadow: 0 2px 16px rgba(10, 26, 58, 0.06);
    margin-bottom: 20px;
}

.vos-founder-card__avatar {
    width: 52px;
    height: 52px;
    border-radius: 50%;
    background: var(--color-accent, #c41e3a);
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-heading, Georgia, serif);
    font-size: 20px;
    font-weight: 700;
    color: #fff;
    flex-shrink: 0;
}

.vos-founder-card__info {
    display: flex;
    flex-direction: column;
    gap: 3px;
}

.vos-founder-card__name {
    font-size: 16px;
    font-weight: 700;
    color: #0f2340;
    display: block;
}

.vos-founder-card__role {
    font-size: 13px;
    color: #c41e3a;
    font-weight: 600;
    display: block;
}

.vos-founder-card__phone {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 14px;
    font-weight: 700;
    color: #0f2340;
    text-decoration: none;
    margin-top: 4px;
}

.vos-founder-card__phone:hover {
    color: #c41e3a;
}

.vos-founder-card__location {
    display: flex;
    align-items: center;
    gap: 5px;
    font-size: 12px;
    color: #7a8fa8;
    margin-top: 2px;
}

/* Credentials list */
.vos-credentials {
    padding: 20px 24px;
    border-radius: 14px;
    border: 1px solid #e4e9f2;
    background: #f8f9fb;
}

.vos-credentials__title {
    font-size: 13px;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: #7a8fa8;
    margin: 0 0 16px;
}

.vos-credentials__list {
    list-style: none;
    margin: 0;
    padding: 0;
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.vos-credentials__list li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 14px;
    line-height: 1.5;
    color: #2e4165;
}

.vos-credentials__list li svg {
    flex-shrink: 0;
    margin-top: 2px;
    color: #c41e3a;
}

/* Values section */
.vos-values {
    padding: 80px 0;
    background: #f8f9fb;
}

.vos-values__grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
    margin-top: 48px;
}

.vos-value-card {
    background: #fff;
    border: 1px solid #e4e9f2;
    border-radius: 16px;
    padding: 28px 24px;
    position: relative;
    transition: box-shadow 0.25s ease, transform 0.25s ease;
}

.vos-value-card:hover {
    box-shadow: 0 10px 30px rgba(10, 26, 58, 0.09);
    transform: translateY(-3px);
}

.vos-value-card__num {
    font-family: var(--font-heading, Georgia, serif);
    font-size: 52px;
    font-weight: 700;
    color: rgba(196, 30, 58, 0.08);
    line-height: 1;
    letter-spacing: -0.04em;
    margin-bottom: 4px;
    user-select: none;
}

.vos-value-card__icon {
    color: #c41e3a;
    margin-bottom: 12px;
}

.vos-value-card__title {
    font-family: var(--font-heading, Georgia, serif);
    font-size: 20px;
    font-weight: 700;
    color: #0f2340;
    margin: 0 0 12px;
}

.vos-value-card__text {
    font-size: 14px;
    line-height: 1.75;
    color: #4a6080;
    margin: 0;
}

/* Openwork / Network section */
.vos-network {
    padding: 80px 0;
    background: #fff;
    border-top: 1px solid #edf1f7;
}

.vos-network__grid {
    display: grid;
    grid-template-columns: minmax(0, 1.4fr) minmax(280px, 0.8fr);
    gap: 56px;
    align-items: start;
}

.vos-network__heading {
    font-family: var(--font-heading, Georgia, serif);
    font-size: clamp(24px, 2.8vw, 34px);
    font-weight: 700;
    color: #0f2340;
    line-height: 1.22;
    margin: 0 0 20px;
}

.vos-network__lead {
    font-size: 17px;
    line-height: 1.78;
    color: #1a3050;
    margin: 0 0 16px;
}

.vos-network__content p {
    font-size: 15px;
    line-height: 1.78;
    color: #3d526e;
    margin: 0 0 14px;
}

.vos-network__list {
    list-style: none;
    margin: 0 0 20px;
    padding: 0;
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.vos-network__list li {
    display: flex;
    gap: 12px;
    align-items: flex-start;
    font-size: 15px;
    line-height: 1.6;
    color: #2e4165;
}

.vos-network__list li svg {
    flex-shrink: 0;
    margin-top: 3px;
    color: #c41e3a;
}

.vos-network__disclosure {
    font-size: 12px;
    line-height: 1.65;
    color: #8a9ab8;
    margin: 0;
    padding-top: 16px;
    border-top: 1px solid #edf1f7;
}

/* Network badge card */
.vos-network__badge {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 10px;
    padding: 32px 24px;
    border-radius: 16px;
    background: linear-gradient(135deg, #0b2040, #163767);
    color: #fff;
    margin-bottom: 16px;
}

.vos-network__badge svg {
    color: rgba(255, 255, 255, 0.7);
}

.vos-network__badge strong {
    font-family: var(--font-heading, Georgia, serif);
    font-size: 18px;
    font-weight: 700;
    line-height: 1.3;
}

.vos-network__badge-stats {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 6px;
    margin-top: 4px;
}

.vos-network__badge-stats span {
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    padding: 4px 10px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.12);
    color: rgba(255, 255, 255, 0.8);
}

.vos-network__warning {
    display: flex;
    gap: 10px;
    align-items: flex-start;
    padding: 14px 16px;
    border-radius: 10px;
    background: #fef6e7;
    border-left: 3px solid #e6a817;
}

.vos-network__warning svg {
    flex-shrink: 0;
    color: #c07a0a;
    margin-top: 1px;
}

.vos-network__warning p {
    font-size: 11px;
    line-height: 1.6;
    color: #6b4c00;
    margin: 0;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.03em;
}

/* Team section */
.vos-team {
    padding: 80px 0;
    background: #f8f9fb;
}

/* FAQ section */
.vos-faq {
    padding: 80px 0;
    background: #fff;
    border-top: 1px solid #edf1f7;
}

.vos-faq__inner {
    display: grid;
    grid-template-columns: minmax(260px, 0.7fr) minmax(0, 1.5fr);
    gap: 56px;
    align-items: start;
}

.vos-faq__intro {
    position: sticky;
    top: 96px;
}

.vos-faq__heading {
    font-family: var(--font-heading, Georgia, serif);
    font-size: clamp(22px, 2.5vw, 30px);
    font-weight: 700;
    color: #0f2340;
    line-height: 1.25;
    margin: 0 0 12px;
}

.vos-faq__sub {
    font-size: 15px;
    line-height: 1.68;
    color: #5d6d86;
    margin: 0;
}

.vos-faq__list {
    display: flex;
    flex-direction: column;
}

.vos-faq__item {
    padding: 24px 0;
    border-bottom: 1px solid #edf1f7;
}

.vos-faq__item:last-child {
    border-bottom: none;
    padding-bottom: 0;
}

.vos-faq__q {
    font-family: var(--font-heading, Georgia, serif);
    font-size: 18px;
    font-weight: 700;
    color: #0f2340;
    margin: 0 0 10px;
    line-height: 1.35;
}

.vos-faq__a {
    font-size: 15px;
    line-height: 1.78;
    color: #3d526e;
    margin: 0;
}

/* Responsive breakpoints */
@media (max-width: 1100px) {
    .vos-story__grid,
    .vos-network__grid {
        grid-template-columns: 1fr;
        gap: 36px;
    }

    .vos-values__grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .vos-faq__inner {
        grid-template-columns: 1fr;
        gap: 32px;
    }

    .vos-faq__intro {
        position: static;
    }
}

@media (max-width: 767px) {
    .vos-stats-strip__grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .vos-stat-item {
        border-bottom: 1px solid rgba(255, 255, 255, 0.07);
    }

    .vos-stat-item:nth-child(2n) {
        border-right: none;
    }

    .vos-values__grid {
        grid-template-columns: 1fr;
    }

    .vos-story { padding: 56px 0; }
    .vos-values { padding: 56px 0; }
    .vos-network { padding: 56px 0; }
    .vos-team { padding: 56px 0; }
    .vos-faq { padding: 56px 0; }

    .vos-story__lead { font-size: 17px; }
    .vos-story__quote p { font-size: 15px; }
    .vos-faq__q { font-size: 16px; }
}


/* =============================================================================
   SITEMAP PAGE
   ============================================================================= */

.vip-hero--sitemap {
    background-image: linear-gradient(120deg, rgba(8, 24, 52, 0.92), rgba(16, 43, 82, 0.76)), url("../images/home-hero-1.webp");
}

.vip-sitemap-main {
    padding: 64px 0;
}

.vip-sitemap-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
    gap: 24px;
}

.vip-sitemap-col h2 {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 20px;
    color: #10284f;
    margin: 0 0 12px;
    padding-bottom: 8px;
    border-bottom: 2px solid var(--vip-red);
}

.vip-sitemap-col ul {
    list-style: none;
    margin: 0;
    padding: 0;
}

.vip-sitemap-col li {
    border-bottom: 1px solid var(--vip-line);
}

.vip-sitemap-col a {
    display: block;
    padding: 8px 0;
    font-size: 14px;
    color: #355375;
    text-decoration: none;
    transition: color 0.15s ease;
}

.vip-sitemap-col a:hover {
    color: var(--vip-red);
}


/* =============================================================================
   SECTION HEADER CENTRE VARIANT
   ============================================================================= */

.vip-section-header--centre {
    text-align: center;
}

.vip-section-header--centre .vip-section-sub {
    margin-left: auto;
    margin-right: auto;
}


/* =============================================================================
   LOCATION PAGE ELEMENTS (.vloc-)
   ============================================================================= */

.vloc-hero__overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(120deg, rgba(8, 24, 52, 0.92), rgba(16, 43, 82, 0.76));
}

.vloc-intro {
    padding: 64px 0;
}

.vloc-intro__body {
    font-size: 16px;
    color: var(--vip-muted);
    line-height: 1.75;
}

.vloc-intro__content {
    /* content column */
}

.vloc-intro__sidebar {
    display: grid;
    gap: 16px;
    position: sticky;
    top: 100px;
}

.vloc-areas {
    padding: 48px 0;
    background: var(--vip-bg);
}

.vloc-areas__title {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 17px;
    color: #10284f;
    margin: 0 0 14px;
}

.vloc-areas__tags {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
}

.vloc-area-tag {
    display: inline-block;
    padding: 6px 14px;
    border-radius: 8px;
    border: 1px solid var(--vip-line);
    background: var(--vip-card);
    font-size: 13px;
    color: #355375;
    font-weight: 600;
}

.vloc-services {
    padding: 64px 0;
}

.vloc-service-card__desc {
    font-size: 14px;
    color: var(--vip-muted);
    line-height: 1.6;
    margin: 0 0 10px;
}

.vloc-stat {
    text-align: center;
}

.vloc-stat-box {
    border-radius: 16px;
    border: 1px solid var(--vip-line);
    background: var(--vip-card);
    padding: 20px;
    box-shadow: 0 8px 24px rgba(10, 26, 58, 0.05);
}

.vloc-stat__label {
    font-size: 13px;
    color: var(--vip-muted);
    margin-top: 4px;
}

.vloc-stat__plus {
    font-size: 0.7em;
    vertical-align: top;
}

.vloc-faq {
    padding: 64px 0;
    background: var(--vip-bg);
}

.vloc-trust {
    padding: 64px 0;
}

/* Story/testimonial */
.vloc-story__body {
    /* body wrapper */
}

.vloc-story__quote-mark {
    font-family: var(--font-heading);
    font-size: 64px;
    line-height: 1;
    color: var(--vip-red);
    opacity: 0.3;
}

.vloc-story__author {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-top: 16px;
}

.vloc-story__initials {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: #10284f;
    color: #fff;
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 16px;
    flex-shrink: 0;
}

.vloc-story__name {
    font-weight: 700;
    font-size: 14px;
    color: #10284f;
}

.vloc-story__loc {
    font-size: 13px;
    color: var(--vip-muted);
}

.vloc-story__outcome-label {
    font-size: 11px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--vip-muted);
    margin-bottom: 4px;
}

.vloc-story__outcome-num {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: clamp(28px, 3vw, 40px);
    color: var(--vip-red);
    line-height: 1;
}

.vloc-story__outcome-result {
    font-size: 14px;
    color: var(--vip-muted);
    margin-top: 4px;
}

/* CTA sub-elements */
.vloc-cta__content {
    max-width: 600px;
}

.vloc-cta__title {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: clamp(24px, 3vw, 36px);
    color: #fff;
    margin: 0 0 10px;
}

.vloc-cta__sub {
    font-size: 16px;
    color: rgba(236, 244, 255, 0.8);
    line-height: 1.7;
    margin: 0 0 6px;
}

.vloc-cta__small {
    font-size: 13px;
    color: rgba(236, 244, 255, 0.55);
}


/* =============================================================================
   MORTGAGES HUB (.vmh-)
   ============================================================================= */

.vmh-services {
    padding: 64px 0;
}

.vmh-card__body {
    flex: 1;
}

.vmh-card__text {
    font-size: 14px;
    color: var(--vip-muted);
    line-height: 1.6;
    margin: 0;
}

.vmh-why {
    padding: 64px 0;
    background: var(--vip-bg);
}

.vmh-why__inner {
    display: grid;
    grid-template-columns: minmax(0, 1.3fr) minmax(260px, 0.7fr);
    gap: 32px;
    align-items: start;
}

.vmh-why__content {
    /* content side */
}

.vmh-why__body {
    font-size: 16px;
    color: var(--vip-muted);
    line-height: 1.75;
}

.vmh-why__stats {
    display: grid;
    gap: 14px;
}

.vmh-why-stat__label {
    font-size: 13px;
    color: var(--vip-muted);
    margin-top: 4px;
}

.vmh-why-stat__plus {
    font-size: 0.7em;
    vertical-align: top;
}

.vmh-process {
    padding: 64px 0;
}

.vmh-step__body {
    flex: 1;
}

.vmh-step__text {
    font-size: 14px;
    color: var(--vip-muted);
    line-height: 1.65;
    margin: 0;
}

.vmh-faq {
    padding: 64px 0;
    background: var(--vip-bg);
}

.vmh-faq__header {
    margin-bottom: 24px;
}

.vmh-faq__more {
    text-align: center;
    margin-top: 20px;
}

.vmh-outcome-card__type {
    font-size: 12px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--vip-red);
    margin-bottom: 4px;
}

.vmh-outcome-card__desc {
    font-size: 14px;
    color: var(--vip-muted);
    line-height: 1.6;
    margin: 0;
}

.vmh-outcomes-cta {
    text-align: center;
    margin-top: 24px;
}

.vmh-cta__content {
    max-width: 600px;
    margin: 0 auto;
    text-align: center;
}

.vmh-cta__title {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: clamp(20px, 2vw, 26px);
    color: var(--vip-ink, #112341);
    margin: 0 0 10px;
}

.vmh-cta__sub {
    font-size: 16px;
    color: var(--vip-muted, #5d6d86);
    line-height: 1.7;
    margin: 0 0 6px;
}

.vmh-cta__reassurance {
    font-size: 13px;
    color: var(--vip-muted, #5d6d86);
    opacity: 0.7;
}

@media (max-width: 1100px) {
    .vmh-why__inner {
        grid-template-columns: 1fr;
    }
}


/* =============================================================================
   PROTECTION HUB (.vpr-)
   ============================================================================= */

.vpr-services {
    padding: 64px 0;
}

.vpr-scenarios {
    padding: 64px 0;
}

.vpr-scenario__q {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 16px;
    color: #10284f;
    margin: 0 0 4px;
}

.vpr-scenario__a {
    font-size: 14px;
    color: var(--vip-muted);
    line-height: 1.6;
    margin: 0 0 10px;
}

.vpr-scenario__icon--green {
    color: #25a56a;
}

.vpr-scenario__icon--amber {
    color: #d97706;
}

.vpr-scenario__link {
    font-size: 13px;
    font-weight: 700;
    color: var(--vip-red);
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 4px;
}

.vpr-cat-label {
    font-size: 12px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--vip-red);
    margin-bottom: 6px;
}

/* Cost section */
.vpr-cost {
    padding: 64px 0;
    background: var(--vip-bg);
}

.vpr-cost__inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 32px;
}

.vpr-cost__content {
    /* content side */
}

.vpr-cost__body {
    font-size: 16px;
    color: var(--vip-muted);
    line-height: 1.75;
}

.vpr-cost__examples {
    display: grid;
    gap: 14px;
}

.vpr-cost-example {
    border-radius: 12px;
    border: 1px solid var(--vip-line);
    background: var(--vip-card);
    padding: 16px 20px;
    box-shadow: 0 4px 16px rgba(10, 26, 58, 0.05);
}

.vpr-cost-example__product {
    display: block;
    font-weight: 700;
    font-size: 12px;
    color: var(--vip-muted);
    margin: 0 0 8px;
    text-transform: uppercase;
    letter-spacing: 0.06em;
}

.vpr-cost-example__term {
    display: block;
    font-size: 13px;
    color: var(--vip-muted);
    margin-top: 4px;
}

.vpr-cost-example__amount {
    display: block;
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: clamp(24px, 3vw, 32px);
    color: var(--vip-red);
    line-height: 1;
    margin: 8px 0 4px;
}

.vpr-cost-example__note {
    font-size: 12px;
    color: var(--vip-muted);
}

/* Case study */
.vpr-case__content {
    /* content wrapper */
}

.vpr-case__meta {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 12px;
}

.vpr-case__type {
    font-size: 12px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--vip-red);
}

.vpr-case__tag {
    display: inline-block;
    padding: 3px 8px;
    border-radius: 4px;
    font-size: 11px;
    font-weight: 600;
    background: #e8f0fa;
    color: #154175;
}

.vpr-case__name {
    font-weight: 700;
    color: #10284f;
}

.vpr-case__quote-mark {
    font-family: var(--font-heading);
    font-size: 48px;
    line-height: 1;
    color: var(--vip-red);
    opacity: 0.3;
}

.vpr-case__stat-label {
    font-size: 11px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--vip-muted);
    margin-bottom: 2px;
}

.vpr-case__stat-num {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: clamp(24px, 3vw, 36px);
    color: #10284f;
    line-height: 1;
}

.vpr-case__stat-outcome {
    font-size: 13px;
    color: #25a56a;
    font-weight: 600;
}

.vpr-cta-section {
    padding: 64px 0;
    background: #0f2548;
}

.vpr-faq {
    padding: 64px 0;
    background: var(--vip-bg);
}

@media (max-width: 767px) {
    .vpr-cost__inner {
        grid-template-columns: 1fr;
    }
}


/* =============================================================================
   TOC HEADER SUB-ELEMENTS
   ============================================================================= */

.vip-toc__header {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 16px;
    color: #10284f;
    margin: 0 0 10px;
}

.vip-toc__item {
    border-bottom: 1px solid var(--vip-line);
}

.vip-toc__item:last-child {
    border-bottom: 0;
}

.vip-toc__link {
    display: block;
    padding: 8px 0;
    font-size: 14px;
    color: #355375;
    text-decoration: none;
    transition: color 0.15s ease;
}

.vip-toc__link:hover {
    color: var(--vip-red);
}


/* =============================================================================
   HOMEPAGE GLOBAL CLASS OVERRIDES
   ============================================================================= */

.vsure-eyebrow {
    font-family: var(--font-body);
    font-size: 13px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    color: var(--color-accent, #C41E3A);
    margin: 0 0 10px;
}

.vsure-blog-card__image-fallback {
    background: linear-gradient(135deg, #e8f0fa 0%, #dce4ef 100%);
    min-height: 180px;
}

.vsure-blog-empty {
    text-align: center;
    padding: 40px 20px;
    font-size: 16px;
    color: rgba(255, 255, 255, 0.6);
}

.vsure-editor-content {
    font-size: 16px;
    line-height: 1.75;
    color: var(--vip-muted);
}

.vsure-editor-content h2,
.vsure-editor-content h3 {
    font-family: var(--font-heading);
    color: #10284f;
    margin-top: 28px;
}

.vsure-inline-featured {
    border-radius: 16px;
    overflow: hidden;
    margin: 24px 0;
}

.vsure-inline-featured img {
    width: 100%;
    height: auto;
    display: block;
}

.vsure-inline-caption {
    font-size: 13px;
    color: var(--vip-muted);
    text-align: center;
    margin-top: 8px;
}

.vsure-hero__right--about {
    background-image: url("../images/home-whatwedo-bg.webp");
    background-size: cover;
    background-position: center;
}


/* =============================================================================
   HEADER/FOOTER/WIDGET GLOBAL IDS AS CLASSES
   ============================================================================= */

.vsure-topbar {
    /* styled via #vsure-topbar in style.css */
}

.vsure-header {
    /* styled via #vsure-header in style.css */
}

.vsure-mobile-nav {
    /* styled via #vsure-mobile-nav in style.css */
}

.vsure-footer-col {
    /* generic footer column, styled via .vsure-footer-col in style.css */
}

.vsure-footer-wordmark {
    font-family: var(--font-heading);
    font-size: 22px;
    font-weight: 700;
    color: #fff;
    letter-spacing: -0.03em;
}

/* Careers — openwork modal sub-elements */
.vip-openwork__close {
    position: absolute;
    top: 12px;
    right: 12px;
    width: 32px;
    height: 32px;
    border: 0;
    background: rgba(0, 0, 0, 0.06);
    border-radius: 8px;
    font-size: 18px;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #355375;
    transition: background 0.15s ease;
}

.vip-openwork__close:hover {
    background: rgba(0, 0, 0, 0.12);
}

.vip-openwork__lead {
    font-size: 16px;
    color: var(--vip-muted);
    line-height: 1.7;
    margin: 0 0 16px;
}

.vip-openwork__risk {
    padding: 14px 18px;
    border-radius: 10px;
    background: #fef6e7;
    border: 1px solid #f0d49a;
    font-size: 13px;
    color: #7a5f1d;
    line-height: 1.6;
    margin-top: 16px;
}


/* =============================================================================
   READING PROGRESS BAR (single post)
   ============================================================================= */

.vip-reading-progress {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 3px;
    z-index: 9999;
    background: transparent;
}

.vip-reading-progress__bar {
    height: 100%;
    width: 0;
    background: var(--color-accent, #C41E3A);
    transition: width 0.1s linear;
}


/* =============================================================================
   BUTTON VISIBILITY FIXES — dark backgrounds (CTA, hero)
   ============================================================================= */

.vip-cta .vsure-btn--outline,
.vip-cta-strip .vsure-btn--outline {
    background: transparent;
    border-color: rgba(255, 255, 255, 0.5);
    color: #fff;
}

.vip-cta .vsure-btn--outline:hover,
.vip-cta-strip .vsure-btn--outline:hover {
    background: rgba(255, 255, 255, 0.14);
    border-color: rgba(255, 255, 255, 0.85);
    color: #fff;
}

.vip-cta .vsure-btn--glass,
.vip-cta-strip .vsure-btn--glass,
.vip-hero .vsure-btn--glass {
    background: rgba(255, 255, 255, 0.1);
    border-color: rgba(255, 255, 255, 0.45);
    color: #fff;
}

.vip-cta .vsure-btn--glass:hover,
.vip-cta-strip .vsure-btn--glass:hover,
.vip-hero .vsure-btn--glass:hover {
    background: rgba(255, 255, 255, 0.2);
    border-color: rgba(255, 255, 255, 0.75);
}

/* Outline-light inside glass CTA cards (light bg) — dark treatment */
.vmh-cta .vsure-btn--outline-light,
.vad-cta .vsure-btn--outline-light,
.vloc-cta .vsure-btn--outline-light {
    border-color: var(--vip-navy, #112341);
    color: var(--vip-navy, #112341);
}

.vmh-cta .vsure-btn--outline-light:hover,
.vad-cta .vsure-btn--outline-light:hover,
.vloc-cta .vsure-btn--outline-light:hover {
    background: var(--vip-navy, #112341);
    border-color: var(--vip-navy, #112341);
    color: #fff;
}


/* =============================================================================
   VISUAL POLISH — Additive enhancements only.
   Rules below add box-shadow, transitions, transforms, and visual refinements.
   No base layout or sizing properties are overridden.
   ============================================================================= */

/* ── 1. CARD DEPTH + HOVER LIFT ─────────────────────────────────
   Adds transitions and hover transform to all inner-page cards.
   The base selectors already define border-radius, padding, background. */

.vip-page [class$="-card"],
.vip-page [class*="-card "] {
    transition: box-shadow 0.3s ease, transform 0.3s ease, border-color 0.3s ease;
}

.vip-page [class$="-card"]:hover,
.vip-page a[class*="-card"]:hover {
    transform: translateY(-4px);
}

/* Service hub cards */
.hub-card,
.svc-related-card {
    transition: box-shadow 0.3s ease, transform 0.3s ease, border-color 0.3s ease;
}

.hub-card:hover,
.svc-related-card:hover {
    box-shadow: 0 8px 28px rgba(10, 26, 58, 0.1), 0 2px 6px rgba(10, 26, 58, 0.04);
    transform: translateY(-4px);
    border-color: #b0c8e8;
}

/* Mortgage/protection cards */
.vmh-card {
    transition: box-shadow 0.3s ease, transform 0.3s ease, border-color 0.3s ease;
}

.vmh-card:hover {
    box-shadow: 0 12px 36px rgba(10, 26, 58, 0.12), 0 2px 8px rgba(10, 26, 58, 0.04);
    transform: translateY(-5px);
    border-color: rgba(196, 30, 58, 0.2);
}

.vmh-card:hover .vmh-card__cta {
    text-decoration: underline;
    text-underline-offset: 3px;
}

/* Scenario cards (protection page) */
.vpr-scenario {
    transition: box-shadow 0.3s ease, transform 0.3s ease, border-color 0.3s ease;
}

.vpr-scenario:hover {
    box-shadow: 0 10px 32px rgba(10, 26, 58, 0.1);
    transform: translateY(-3px);
    border-color: #b0c8e8;
}

/* Service detail cards */
.svc-card {
    transition: box-shadow 0.3s ease, transform 0.3s ease;
}

.svc-card:hover {
    box-shadow: 0 12px 40px rgba(10, 26, 58, 0.12);
    transform: translateY(-4px);
}

/* Article cards */
.vip-article-card {
    transition: box-shadow 0.3s ease, transform 0.3s ease, border-color 0.3s ease;
}

.vip-article-card:hover {
    box-shadow: 0 12px 36px rgba(10, 26, 58, 0.1);
    transform: translateY(-4px);
    border-color: rgba(196, 30, 58, 0.2);
}

.vip-article-card:hover .vip-article-card__link {
    text-decoration: underline;
    text-underline-offset: 3px;
}

/* Team cards */
.vtm-card {
    transition: box-shadow 0.3s ease, transform 0.3s ease;
}

.vtm-card:hover {
    box-shadow: 0 12px 40px rgba(10, 26, 58, 0.12);
    transform: translateY(-5px);
}

/* Featured card */
.vip-featured-card {
    transition: box-shadow 0.3s ease, transform 0.3s ease;
}

.vip-featured-card:hover {
    box-shadow: 0 16px 48px rgba(10, 26, 58, 0.12);
    transform: translateY(-3px);
}


/* ── 2. ICON CONTAINERS — red brand treatment ───────────────────
   Brand red icons on all inner page cards, matching homepage. */

.hub-card__icon,
.svc-related-card__icon,
.vmh-card__icon,
.vpr-scenario__icon,
.vloc-market-card__icon,
.vad-spec-card__icon,
.vtm-value__icon,
.calc-card__icon,
.calc-credit-card__icon,
.vip-sidebar-cta__icon,
.vip-contact-detail__icon {
    background: rgba(196, 30, 58, 0.08);
    box-shadow: 0 2px 8px rgba(196, 30, 58, 0.08);
    transition: transform 0.25s ease, box-shadow 0.25s ease, background 0.25s ease;
}

.vmh-card:hover .vmh-card__icon,
.hub-card:hover .hub-card__icon,
.svc-related-card:hover .svc-related-card__icon,
.vpr-scenario:hover .vpr-scenario__icon,
.vad-spec-card:hover .vad-spec-card__icon,
.calc-card:hover .calc-card__icon {
    background: rgba(196, 30, 58, 0.13);
    transform: scale(1.08);
    box-shadow: 0 4px 12px rgba(196, 30, 58, 0.15);
}


/* ── 3. SPACING UPGRADES — breathing room ───────────────────────
   Increases padding and gaps on cards and grids for a premium feel. */

.vmh-card {
    padding: 26px 24px;
    gap: 14px;
}

.hub-card,
.svc-related-card {
    gap: 16px;
    padding: 22px;
}

.vpr-scenario {
    padding: 26px 24px;
}

.vmh-outcome-card {
    padding: 24px;
}

.vad-spec-card,
.vad-review-card {
    padding: 24px;
}

.vtm-value {
    padding: 24px;
}

.vloc-market-card,
.vloc-service-card,
.vloc-trust-item {
    padding: 24px;
}

/* Grid gaps */
.vmh-grid {
    gap: 20px;
    margin-top: 28px;
}

.hub-grid {
    gap: 20px;
}

.vmh-outcomes-grid,
.vpr-scenario-grid {
    gap: 20px;
    margin-top: 28px;
}

.vip-articles-grid {
    gap: 20px;
}

.vtm-grid {
    gap: 20px;
}

.vad-spec-grid,
.vad-reviews-grid {
    gap: 20px;
    margin-top: 24px;
}

/* Section header spacing */
.vip-page .vsure-section-header {
    margin-bottom: 12px;
}


/* ── 4. TYPOGRAPHY REFINEMENTS ──────────────────────────────────
   Normalizes colors, fixes sizes, improves readability. */

/* Consistent ink color for all card titles */
.vmh-card__title,
.vloc-service-card__title,
.vad-spec-card__title,
.svc-article__h2 {
    color: var(--vip-ink, #112341);
}

/* Card body text — bump from 14px to 15px for readability */
.vmh-card__text,
.vmh-card__list,
.vpr-scenario__a,
.vmh-outcome-card__desc,
.vmh-step__text,
.svc-features-list li {
    font-size: 15px;
    line-height: 1.65;
}

/* Scenario question heading — needs more visual weight */
.vpr-scenario__q {
    font-size: 18px;
    line-height: 1.2;
    margin-bottom: 8px;
}

/* Section kicker — consistent treatment */
.vsure-section-kicker {
    font-family: var(--font-body);
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.14em;
    color: var(--vip-red, #c41e3a);
    margin: 0 0 10px;
    display: inline-flex;
    align-items: center;
    gap: 10px;
}

.vsure-section-kicker::before {
    content: "";
    width: 28px;
    height: 2px;
    background: var(--vip-red, #c41e3a);
    flex-shrink: 0;
}

/* Section titles — consistent font */
.vsure-section-title {
    font-family: var(--font-heading, 'Boska', Georgia, serif);
    font-weight: 700;
    font-size: clamp(28px, 3.8vw, 48px);
    line-height: 1.06;
    letter-spacing: -0.02em;
    color: var(--vip-ink, #112341);
    margin: 0 0 16px;
    text-wrap: balance;
}

/* Hero h1 — slight text shadow for depth */
.vip-hero__h1 {
    text-shadow: 0 2px 40px rgba(0, 0, 0, 0.12);
}


/* ── 5. CONTACT PAGE — premium form + details ──────────────────
   Lifts the contact page from basic to polished. */

.vip-contact-grid {
    gap: 40px;
}

.vip-contact-form-card {
    padding: 36px 32px;
    box-shadow: 0 4px 16px rgba(10, 26, 58, 0.06), 0 16px 48px rgba(10, 26, 58, 0.05);
    position: relative;
}

/* Accent top line on form card */
.vip-contact-form-card::before {
    content: "";
    position: absolute;
    top: 0;
    left: 24px;
    right: 24px;
    height: 3px;
    background: linear-gradient(90deg, var(--vip-red, #C41E3A), #e8456a, var(--vip-red, #C41E3A));
    border-radius: 0 0 3px 3px;
}

/* Form card title */
.vip-contact-form-card__title {
    font-family: var(--font-heading, 'Boska', Georgia, serif);
    font-size: 18px;
    font-weight: 700;
    letter-spacing: -0.02em;
    color: var(--vip-ink, #112341);
    margin: 0 0 6px;
}

.vip-contact-form-card__sub {
    font-size: 15px;
    color: var(--vip-muted, #5d6d86);
    line-height: 1.65;
    margin: 0 0 24px;
}

/* Contact details — increase padding and sizing */
.vip-contact-details {
    gap: 14px;
}

.vip-contact-details li {
    padding: 16px;
    border-radius: 14px;
    transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.vip-contact-details li:hover {
    border-color: #b0c8e8;
    box-shadow: 0 4px 16px rgba(10, 26, 58, 0.06);
}

.vip-contact-detail__icon {
    width: 44px;
    height: 44px;
}

.vip-contact-detail__label {
    font-size: 11px;
    letter-spacing: 0.1em;
}

.vip-contact-detail__value {
    font-size: 16px;
}

/* Contact social links — bigger, with hover */
.vip-contact-social {
    margin-top: 28px;
    padding-top: 24px;
    border-top: 1px solid var(--vip-line, #d7e0ee);
}

.vip-contact-social__label {
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    color: var(--vip-muted, #5d6d86);
    margin-bottom: 12px;
    display: block;
}

.vip-contact-social__links {
    gap: 10px;
}

.vip-contact-social__links a {
    width: 40px;
    height: 40px;
    border-radius: 10px;
    background: rgba(196, 30, 58, 0.08);
    color: var(--vip-red, #c41e3a);
    transition: background 0.2s ease, color 0.2s ease, transform 0.2s ease;
}

.vip-contact-social__links a:hover {
    background: var(--vip-red, #C41E3A);
    color: #fff;
    transform: translateY(-2px);
}

/* Contact info intro text */
.vip-contact-info__intro {
    font-size: 17px;
    line-height: 1.7;
    color: var(--vip-muted, #5d6d86);
    margin-bottom: 32px;
}

/* WPForms inside form card */
.vip-contact-form-card .wpforms-container {
    margin: 0;
}

.vip-contact-form-card input[type="text"],
.vip-contact-form-card input[type="email"],
.vip-contact-form-card input[type="tel"],
.vip-contact-form-card textarea,
.vip-contact-form-card select {
    border: 1.5px solid #d7e0ee;
    border-radius: 10px;
    padding: 13px 16px;
    font-size: 15px;
    font-family: var(--font-body, 'Satoshi', sans-serif);
    background: #f8fafd;
    color: var(--vip-ink, #112341);
    transition: border-color 0.2s ease, box-shadow 0.2s ease;
    width: 100%;
}

.vip-contact-form-card input:focus,
.vip-contact-form-card textarea:focus,
.vip-contact-form-card select:focus {
    outline: none;
    border-color: var(--vip-red, #c41e3a);
    box-shadow: 0 0 0 3px rgba(196, 30, 58, 0.1);
    background: #fff;
}

.vip-contact-form-card textarea {
    min-height: 130px;
    resize: vertical;
}


/* ── 6. CTA SECTIONS — visual impact ───────────────────────────
   Adds depth layers to CTA sections without changing layout. */

/* Dark navy CTA (vip-cta) — subtle gradient overlay */
.vip-cta::before {
    content: "";
    position: absolute;
    inset: 0;
    background: radial-gradient(ellipse 60% 50% at 20% 80%, rgba(196, 30, 58, 0.05) 0%, transparent 70%);
    pointer-events: none;
}

/* Pink CTA (vmh-cta) — the glass card inside needs more punch */
.vmh-cta__inner,
.vloc-cta__inner,
.vad-cta__inner,
.vtm-join__inner {
    box-shadow: 0 8px 32px rgba(15, 42, 84, 0.08), 0 2px 8px rgba(15, 42, 84, 0.04);
}

/* vpr-cta-section: outer section is dark navy but inner card is white glass —
   text inside the card must stay dark */
.vpr-cta-section .vsure-btn--outline-light {
    border-color: var(--vip-navy, #112341);
    color: var(--vip-navy, #112341);
}
.vpr-cta-section .vsure-btn--outline-light:hover {
    background: var(--vip-navy, #112341);
    border-color: var(--vip-navy, #112341);
    color: #fff;
}

/* CTA primary buttons — add depth */
.vip-cta__actions .vsure-btn--primary,
.vmh-cta__actions .vsure-btn--primary {
    box-shadow: 0 4px 16px rgba(196, 30, 58, 0.25);
}

.vip-cta__actions .vsure-btn--primary:hover,
.vmh-cta__actions .vsure-btn--primary:hover {
    box-shadow: 0 8px 32px rgba(196, 30, 58, 0.35);
}


/* ── 7. CASE STUDY / STORY — visual impact ─────────────────────
   Enhances the dark case study sections. */

.vpr-case__card,
.vloc-story__card {
    box-shadow: 0 8px 40px rgba(0, 0, 0, 0.15);
}

.vpr-case__quote-mark {
    font-size: 72px;
    opacity: 0.2;
}

.vpr-case__stat,
.vloc-story__outcome {
    text-align: center;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 8px;
}

.vpr-case__stat-num {
    color: #fff;
    font-size: clamp(28px, 4vw, 42px);
}

.vpr-case__stat-label {
    color: rgba(220, 230, 250, 0.7);
}

.vpr-case__stat-outcome {
    font-size: 14px;
}


/* ── 8. FAQ ACCORDION — polish ──────────────────────────────────
   Better hover states and visual feedback. */

.vmh-faq-item {
    transition: background 0.2s ease;
}

.vmh-faq-item:hover {
    background: rgba(15, 37, 72, 0.02);
}

.vmh-faq-q {
    transition: color 0.2s ease;
    font-family: var(--font-heading, 'Boska', Georgia, serif);
    line-height: 1.3;
}

.vmh-faq-q:hover {
    color: var(--vip-red, #c41e3a);
}

.vmh-faq-a p {
    font-size: 15px;
    line-height: 1.72;
    color: var(--vip-muted, #5d6d86);
}

/* FAQ page items */
.vip-faq-item {
    transition: background 0.2s ease;
}

.vip-faq-item:hover {
    background: rgba(15, 37, 72, 0.02);
}

.vip-faq-question:hover {
    color: var(--vip-red, #c41e3a);
}


/* ── 9. HERO — subtle bottom vignette ──────────────────────────
   Adds depth to the hero bottom edge. */

.vip-hero::after {
    content: "";
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 100px;
    background: linear-gradient(to top, rgba(6, 18, 40, 0.3), transparent);
    pointer-events: none;
    z-index: 1;
}


/* ── 10. BREADCRUMB — polish ───────────────────────────────────
   Better spacing and transition. */

.vip-breadcrumb a {
    transition: color 0.2s ease;
}

.vip-breadcrumb a:hover {
    text-decoration: underline;
    text-underline-offset: 3px;
}


/* ── 11. EYEBROW — consistent on dark/light backgrounds ───────
   The hero eyebrow uses white; on light sections use red. */

.vip-eyebrow--red {
    color: var(--vip-red, #c41e3a);
}


/* ── 12. SIDEBAR CARDS — polish ────────────────────────────────
   Better padding and visual hierarchy. */

.vip-sidebar-cta,
.vip-sidebar-related,
.vip-sidebar-links,
.vip-sidebar-fca {
    padding: 20px;
}

/* svc-sidebar__box base styling is defined earlier; only reinforce padding here */
.svc-sidebar__box {
    padding: 22px 24px;
}


/* ── 13. COST EXAMPLES — better visual hierarchy ───────────────
   The protection cost examples need more impact. */

.vpr-cost-example {
    transition: box-shadow 0.25s ease, transform 0.25s ease;
}

.vpr-cost-example:hover {
    box-shadow: 0 8px 28px rgba(10, 26, 58, 0.08);
    transform: translateY(-2px);
}

.vpr-cost-example__product {
    font-size: 12px;
}

.vpr-cost-example__amount strong {
    color: var(--vip-red, #c41e3a);
}


/* ── 14. BUTTONS ON INNER PAGES — focus-visible + active ──────
   Accessibility and tactile feedback. */

.vip-page .vsure-btn:focus-visible {
    outline: 2px solid var(--vip-red, #c41e3a);
    outline-offset: 3px;
}

.vip-hero .vsure-btn:focus-visible,
.vip-cta .vsure-btn:focus-visible,
.vpr-cta-section .vsure-btn:focus-visible {
    outline-color: #fff;
}

.vip-page .vsure-btn--primary {
    box-shadow: 0 2px 8px rgba(196, 30, 58, 0.18);
}

.vip-page .vsure-btn--primary:hover {
    box-shadow: 0 6px 24px rgba(196, 30, 58, 0.28);
}

.vip-page .vsure-btn--primary:active {
    transform: translateY(0);
    box-shadow: 0 2px 8px rgba(196, 30, 58, 0.2);
}


/* ── 15. PROCESS STEPS — visual refinement ─────────────────────
   Better step numbering and spacing. */

.vmh-step {
    transition: box-shadow 0.25s ease;
}

.vmh-step:hover {
    box-shadow: 0 6px 24px rgba(10, 26, 58, 0.06);
}

.vmh-step__num {
    box-shadow: 0 4px 12px rgba(15, 42, 84, 0.15);
}


/* ── 16. ADVISER/TEAM — polish ──────────────────────────────────
   Adviser profile cards and team featured. */

.vad-profile-card {
    box-shadow: 0 8px 32px rgba(10, 26, 58, 0.08);
}

.vtm-featured {
    transition: box-shadow 0.3s ease;
}

.vtm-featured:hover {
    box-shadow: 0 16px 48px rgba(10, 26, 58, 0.1);
}


/* ── 17. CALCULATOR — input polish ──────────────────────────────
   Better input styling for calculator pages. */

.calc-field input:focus,
.calc-field select:focus {
    outline: none;
    border-color: var(--vip-red, #c41e3a);
    box-shadow: 0 0 0 3px rgba(196, 30, 58, 0.1);
}

.calc-btn {
    transition: background 0.2s ease, box-shadow 0.2s ease, transform 0.2s ease;
    box-shadow: 0 2px 8px rgba(196, 30, 58, 0.2);
}

.calc-btn:hover {
    background: #d72547;
    box-shadow: 0 6px 20px rgba(196, 30, 58, 0.3);
    transform: translateY(-1px);
}

.calc-btn:active {
    transform: translateY(0);
}

.calc-nav__item {
    transition: background 0.2s ease, color 0.2s ease, border-color 0.2s ease;
}

.calc-nav__item:hover {
    background: #0f2548;
    border-color: #0f2548;
    color: #fff;
}


/* ── 18. TAGS, BADGES, PILLS — polish ──────────────────────────
   Consistent treatment for tag-like elements. */

.vpr-case__tag {
    background: linear-gradient(135deg, #e8f2fc, #d8e6f5);
    color: #154175;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.04em;
    text-transform: uppercase;
}

.vip-post-tag {
    transition: background 0.2s ease, color 0.2s ease, border-color 0.2s ease;
}

.vip-post-tag:hover {
    background: #0f2548;
    border-color: #0f2548;
    color: #fff;
}

.vip-share-btn {
    transition: background 0.2s ease, border-color 0.2s ease, transform 0.15s ease;
}

.vip-share-btn:hover {
    background: #e8f2fc;
    border-color: #b0c8e8;
    transform: translateY(-1px);
}


/* ── 19. GLOSSARY — letter badges ──────────────────────────────
   More visual impact on glossary page. */

.vip-glossary-alpha__link {
    transition: background 0.2s ease, color 0.2s ease, border-color 0.2s ease, transform 0.15s ease;
}

.vip-glossary-alpha__link:hover {
    transform: translateY(-1px);
}

.vip-glossary-group__letter {
    box-shadow: 0 4px 12px rgba(15, 42, 84, 0.15);
}


/* ── 20. POST CONTENT — reading experience ─────────────────────
   Better typography for long-form reading. */

.vip-post-content {
    font-size: 17px;
    line-height: 1.78;
}

.vip-post-content h2 {
    margin-top: 40px;
}

.vip-post-content p + p {
    margin-top: 1.2em;
}

.vip-post-disclaimer {
    border-radius: 10px;
}


/* ── 21. SELECTION & SMOOTH SCROLL ─────────────────────────────
   Consistent selection colour on inner pages. */

.vip-page ::selection {
    background: rgba(196, 30, 58, 0.12);
    color: #0e2a56;
}


/* ── 22. REDUCED MOTION — respect user preference ──────────────
   Disable all transitions for users who prefer reduced motion. */

@media (prefers-reduced-motion: reduce) {
    .vip-page [class$="-card"],
    .vip-page [class*="-card "],
    .hub-card, .svc-related-card,
    .vmh-card, .vpr-scenario,
    .vip-article-card, .vtm-card,
    .vip-featured-card,
    .vpr-cost-example,
    .vmh-step, .vmh-faq-item,
    .vip-faq-item,
    .calc-btn, .calc-nav__item,
    .vip-post-tag, .vip-share-btn,
    .vip-glossary-alpha__link,
    .vip-contact-details li,
    .vip-contact-social__links a,
    .vip-page .vsure-btn {
        transition: none !important;
        transform: none !important;
    }
}

/* ── 23. RESPONSIVE ADJUSTMENTS ────────────────────────────────
   Ensure polish works on smaller screens. */

@media (max-width: 900px) {
    .vip-contact-form-card {
        padding: 28px 24px;
    }

    .vip-contact-grid {
        gap: 32px;
    }
}

@media (max-width: 600px) {
    .vip-contact-form-card {
        padding: 24px 20px;
    }

    .vip-contact-details li {
        padding: 14px;
    }

    .vip-contact-detail__icon {
        width: 38px;
        height: 38px;
    }

    .vmh-card {
        padding: 22px 20px;
    }

    .vpr-scenario {
        padding: 22px 20px;
    }

    .hub-card, .svc-related-card {
        padding: 18px;
    }
}


/* ============================================================================
   §PREMIUM — Deep Polish Pass
   All additive only. Transforms £500 look → £50K brand experience.
   ============================================================================ */

/* ── P1. CARD LIST BULLETS — remove default, add brand red dots ─
   Default browser bullets look cheap. Replace with brand-red micro-dots. */

.vmh-card__list {
    list-style: none;
    padding-left: 0;
}

.vmh-card__list li {
    position: relative;
    padding-left: 18px;
    color: var(--vip-muted, #5d6d86);
}

.vmh-card__list li + li {
    margin-top: 5px;
}

.vmh-card__list li::before {
    content: "";
    position: absolute;
    left: 0;
    top: 0.58em;
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: var(--vip-red, #c41e3a);
    flex-shrink: 0;
}


/* ── P2. CTA ARROW — animate right on hover ─────────────────────
   Premium micro-interaction: arrow slides right when hovering the card. */

.vmh-card__cta {
    display: inline-flex;
    align-items: center;
    gap: 6px;
}

.vmh-card__cta span[aria-hidden="true"] {
    display: inline-block;
    transition: transform 0.2s ease;
}

.vmh-card:hover .vmh-card__cta span[aria-hidden="true"] {
    transform: translateX(5px);
}

/* Same treatment for hub-card and other card CTAs */
.hub-card__arrow,
.svc-related-card__arrow,
.vip-case-card__cta span[aria-hidden="true"],
.vip-article-card__link span[aria-hidden="true"] {
    display: inline-block;
    transition: transform 0.2s ease;
}

.hub-card:hover .hub-card__arrow,
.svc-related-card:hover .svc-related-card__arrow,
.vip-article-card:hover .vip-article-card__link span[aria-hidden="true"] {
    transform: translateX(5px);
}


/* ── P3. CARD TITLES — explicit brand font ──────────────────────
   Ensure all card h3s use Boska regardless of theme inheritance. */

.vmh-card__title,
.hub-card__title,
.svc-related-card__title,
.vpr-scenario__q,
.vad-spec-card__title,
.vloc-service-card__title,
.vtm-card__name,
.calc-card__title,
.vip-case-card__title,
.vip-vacancy-card__title,
.vip-article-card__title,
.vip-featured-card__title {
    font-family: var(--font-heading, 'Boska', Georgia, serif);
    font-weight: 700;
    letter-spacing: -0.015em;
}


/* ── P4. CARD HOVER — red top accent strip via inset shadow ─────
   Inset top shadow = brand red accent bar on hover, no layout shift.
   Overrides earlier box-shadow rules (same/lower specificity, later position). */

.vmh-card:hover,
.hub-card:hover,
.svc-related-card:hover,
.svc-card:hover,
.vip-case-card:hover,
.vip-article-card:hover,
.vip-featured-card:hover,
.vip-vacancy-card:hover,
.vip-adviser-card:hover,
.vtm-card:hover {
    box-shadow:
        inset 0 3px 0 0 var(--vip-red, #c41e3a),
        0 14px 40px rgba(10, 26, 58, 0.1),
        0 2px 8px rgba(10, 26, 58, 0.04);
    border-color: rgba(196, 30, 58, 0.18);
}


/* ── P5. SECTION HEADERS — eyebrow kicker ──────────────────────
   vip-eyebrow already has the red line. Ensure consistent margin. */

.vip-section-header {
    margin-bottom: 48px;
}

.vip-section-header .vip-eyebrow,
.vip-section-header .vsure-section-kicker {
    margin-bottom: 14px;
}


/* ── P6. STAT NUMBERS — heading font + gradient text ───────────
   Stats use Boska with gradient text for premium look. */

.vmh-why-stat__num,
.vloc-stat__num,
.vip-story__stat-num,
.vad-stat__num {
    font-family: var(--font-heading, 'Boska', Georgia, serif);
    background: linear-gradient(135deg, #0e2a56 0%, #c41e3a 120%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}


/* ── P7. SCENARIO CARDS — stronger visual pull ──────────────────
   Protection scenario cards (What happens if?) need more impact. */

.vpr-scenario {
    border-left: 3px solid transparent;
    transition: border-color 0.3s ease, box-shadow 0.3s ease, transform 0.3s ease;
}

.vpr-scenario:hover {
    border-left-color: var(--vip-red, #c41e3a);
}


/* ── P8/P9 handled by P4 inset shadow above ─────────────────── */


/* ── P10. SECTION ALT BG — sharper section boundaries ──────────
   The vip-bg sections need a subtle top/bottom rule to separate clearly. */

.hub-cat--alt,
.vpr-scenarios,
.vmh-outcomes,
.vloc-market,
.vip-articles,
.vtm-values,
.vmh-faq,
.vip-faq-section {
    border-top: 1px solid var(--vip-line, #d7e0ee);
    border-bottom: 1px solid var(--vip-line, #d7e0ee);
}

/* =============================================================================
   §PREMIUM-2 — COMPREHENSIVE TYPOGRAPHY & VISUAL SCALE REFINEMENTS
   Applied after font-size audit pass. Ensures every text element matches
   the tight, editorial £50K feel of the homepage.
   ============================================================================= */

/* ── Q1. HERO SECTION — proportional after subtitle reduction ───────
   Breadcrumb, eyebrow and CTA-row spacing tightened. */
.vip-hero__inner {
    padding-top: 52px;
    padding-bottom: 52px;
}
.vip-hero__cta-row {
    margin-top: 26px;
}
.vip-breadcrumb {
    margin-bottom: 20px;
}

/* ── Q2. CARD BODY TEXT — tight, readable, consistent ──────────────
   All card body/description text to 14–15px, matching homepage cards. */
.vmh-card__text,
.hub-card__text,
.svc-related-card__text,
.vpr-scenario__a,
.vad-spec-card__text,
.vloc-service-card__text,
.vtm-card__role,
.calc-card__desc,
.vip-case-card__result,
.vip-vacancy-card__dept,
.vip-article-card__excerpt {
    font-size: 14px;
    line-height: 1.65;
    color: var(--vip-muted, #5d6d86);
}

/* ── Q3. STEP NUMBER BADGE — proportional to reduced title ─────────
   Reduce step badge and tighten step layout. */
.vmh-step__num {
    width: 48px;
    height: 48px;
    font-size: 18px;
    border-radius: 10px;
}
.vmh-step {
    grid-template-columns: 60px 1fr;
    align-items: center;
}

/* ── Q4. ARTICLE SECTION HEADING — letter-spacing & weight ─────────
   Make the smaller svc-article__h2 feel confident with tighter tracking. */
.svc-article__h2 {
    font-family: var(--font-heading, 'Boska', Georgia, serif);
    font-weight: 700;
    letter-spacing: -0.015em;
    color: var(--vip-ink, #112341);
}

/* ── Q5. FAQ QUESTION FONT — slightly tighter than 18px ────────────
   18px is correct but give it sharper letter-spacing. */
.vmh-faq-q {
    font-size: 16px;
    letter-spacing: -0.005em;
}

/* ── Q6. CTA SECTION TEXT — consistent with body scale ─────────────
   Sub text in full-page dark CTA sections. */
.vip-cta__sub,
.vmh-cta__sub,
.vloc-cta__sub,
.vad-cta__sub {
    font-size: 15px;
    line-height: 1.7;
}

/* ── Q7. CARD PADDING — snug, editorial feel ────────────────────────
   Slightly reduce padding on small cards for a denser, more premium grid. */
.vmh-card {
    padding: 22px;
}
.hub-card {
    padding: 20px;
}
.svc-related-card {
    padding: 18px 20px;
}

/* ── Q8. HERO BADGE / META ROW — tighter ───────────────────────────
   Meta items under the hero CTA. */
.vip-hero__meta span {
    font-size: 14px;
    color: rgba(240, 246, 255, 0.85);
}

/* ── Q9. SECTION KICKER — brand red line, all caps, tight ──────────
   Eyebrow already has the red line; reinforce the text scale. */
.vip-eyebrow {
    font-size: 11px;
    letter-spacing: 0.15em;
}

/* ── Q10. VMH-CARD GRID GAP — tighter on larger viewports ──────────
   Cards look more editorial when slightly tighter together. */
.vmh-grid {
    gap: 14px;
}
.hub-cat__grid {
    gap: 14px;
}
.svc-related__grid {
    gap: 14px;
}


/* =============================================================================
   SERVICE PAGE — NEW STRUCTURAL ELEMENTS (pain block, FAQ, authority, process)
   Added 2026-03-06: new 9-section service page template
   ============================================================================= */

/* ── Pain amplification block ───────────────────────────────────────── */
.svc-pain-block {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    padding: 18px 20px;
    margin-bottom: 28px;
    border-radius: 12px;
    background: #fff8f8;
    border: 1px solid rgba(196, 30, 58, 0.18);
    border-left: 4px solid #c41e3a;
}

.svc-pain-block__icon {
    flex-shrink: 0;
    color: #c41e3a;
    margin-top: 1px;
}

.svc-pain-block p {
    margin: 0;
    font-size: 15px;
    line-height: 1.65;
    color: #5a3a3a;
    font-weight: 500;
}

/* ── Process grid — 3-column variant ───────────────────────────────── */
.svc-process-grid--three {
    grid-template-columns: repeat(3, 1fr);
}

/* Connector line spanning 3-col gaps */
.svc-process-grid--three .svc-process-step:not(.svc-process-step--last)::after {
    width: 39px;
}

/* ── FAQ section — fully visible, no accordion ─────────────────────── */
.svc-faq-section {
    padding: 80px 0;
    background: #f4f7fc;
    border-top: 1px solid #dde4f0;
    border-bottom: 1px solid #dde4f0;
}

.svc-faq-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 20px;
    margin-top: 8px;
}

.svc-faq-item {
    background: #fff;
    border: 1px solid #dde4f0;
    border-radius: 14px;
    padding: 24px 26px;
    box-shadow: 0 2px 10px rgba(10, 26, 58, 0.04);
}

.svc-faq-item__q {
    font-family: var(--font-heading, Georgia, serif);
    font-weight: 700;
    font-size: 16px;
    line-height: 1.35;
    color: #10284f;
    margin: 0 0 10px;
    letter-spacing: -0.01em;
}

.svc-faq-item__a {
    font-size: 14px;
    line-height: 1.72;
    color: #5d6d86;
    margin: 0;
}

.svc-faq-more {
    margin-top: 28px;
    text-align: center;
    font-size: 14px;
    color: #6d7f98;
}

.svc-faq-more a {
    color: #c41e3a;
    font-weight: 700;
    text-decoration: none;
}

.svc-faq-more a:hover {
    text-decoration: underline;
    text-underline-offset: 3px;
}

/* ── Authority block ────────────────────────────────────────────────── */
.svc-authority-section {
    padding: 72px 0;
    background: #0f2548;
    color: #fff;
}

.svc-authority-section__inner {
    display: grid;
    grid-template-columns: minmax(0, 1.2fr) minmax(300px, 0.9fr);
    gap: 56px;
    align-items: center;
}

.svc-authority-text h2,
.svc-authority-text__heading {
    font-family: var(--font-heading, Georgia, serif);
    font-weight: 700;
    font-size: clamp(24px, 3vw, 36px);
    line-height: 1.15;
    color: #fff;
    margin: 12px 0 16px;
}

.svc-authority-text p {
    font-size: 15px;
    line-height: 1.75;
    color: rgba(220, 232, 252, 0.82);
    margin: 0;
}

.svc-authority-creds {
    display: grid;
    gap: 18px;
}

.svc-authority-cred {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    padding: 18px 20px;
    border-radius: 12px;
    background: rgba(255, 255, 255, 0.07);
    border: 1px solid rgba(255, 255, 255, 0.1);
    transition: background 0.2s ease;
}

.svc-authority-cred:hover {
    background: rgba(255, 255, 255, 0.11);
}

.svc-authority-cred__icon {
    flex-shrink: 0;
    width: 50px;
    height: 50px;
    border-radius: 12px;
    background: rgba(196, 30, 58, 0.18);
    color: #e86080;
    display: flex;
    align-items: center;
    justify-content: center;
}

.svc-authority-cred strong {
    display: block;
    font-size: 15px;
    font-weight: 700;
    color: #fff;
    margin-bottom: 3px;
}

.svc-authority-cred span {
    font-size: 13px;
    color: rgba(210, 228, 255, 0.7);
    line-height: 1.5;
}

/* ── Responsive adjustments for new elements ────────────────────────── */
@media (max-width: 1024px) {
    .svc-process-grid--three {
        grid-template-columns: repeat(2, 1fr);
        gap: 32px;
    }
    .svc-authority-section__inner {
        grid-template-columns: 1fr;
        gap: 40px;
    }
}

@media (max-width: 767px) {
    .svc-faq-grid {
        grid-template-columns: 1fr;
    }
    .svc-process-grid--three {
        grid-template-columns: 1fr;
        gap: 28px;
    }
    .svc-pain-block {
        padding: 14px 16px;
    }
    .svc-faq-item {
        padding: 18px 20px;
    }
    .svc-authority-section {
        padding: 56px 0;
    }
}

/* =============================================================================
   vmh-step REDESIGN — 2×2 card grid replacing flat vertical list
   Ghost number (large Boska watermark) + left red accent + card wrapper.
   These rules appear last so they win the cascade over earlier definitions.
   ============================================================================= */

.vmh-steps {
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
    margin-top: 40px;
}

.vmh-step {
    /* Switch from grid to flex-column card layout */
    display: flex;
    flex-direction: column;
    background: #fff;
    border: 1px solid #dce5f0;
    border-left: 4px solid var(--color-accent, #c41e3a);
    border-radius: 0 16px 16px 0;
    padding: 28px 28px 28px 24px;
    box-shadow: 0 4px 16px rgba(10, 26, 58, 0.05);
    transition: box-shadow 0.3s ease, transform 0.3s ease, border-color 0.3s ease;
    /* Reset grid-based overrides from earlier rules */
    grid-template-columns: none;
    align-items: initial;
    gap: 0;
}

.vmh-step:hover {
    box-shadow: 0 16px 44px rgba(10, 26, 58, 0.11), 0 2px 8px rgba(10, 26, 58, 0.04);
    transform: translateY(-4px);
    border-color: rgba(196, 30, 58, 0.22);
    border-left-color: var(--color-accent, #c41e3a);
}

/* Ghost watermark number — large Boska, semi-transparent red */
.vmh-step__num {
    display: block;
    font-family: var(--font-heading, 'Boska', Georgia, serif);
    font-size: clamp(56px, 5.5vw, 76px);
    font-weight: 700;
    line-height: 1;
    color: rgba(196, 30, 58, 0.13);
    letter-spacing: -0.03em;
    margin-bottom: 14px;
    /* Reset badge styles from earlier rules */
    width: auto;
    height: auto;
    background: transparent;
    box-shadow: none;
    border-radius: 0;
    justify-content: initial;
}

.vmh-step__body {
    flex: 1;
}

.vmh-step__title {
    font-family: var(--font-heading, 'Boska', Georgia, serif);
    font-size: 21px;
    font-weight: 700;
    color: #0f2340;
    margin: 0 0 12px;
    line-height: 1.2;
    letter-spacing: -0.01em;
}

.vmh-step__text {
    font-size: 15px;
    line-height: 1.72;
    color: #4a6080;
    margin: 0;
}

/* Mobile: single column */
@media (max-width: 767px) {
    .vmh-steps {
        grid-template-columns: 1fr;
        gap: 16px;
    }
    .vmh-step {
        padding: 22px 20px 22px 18px;
    }
    .vmh-step__num {
        font-size: clamp(48px, 14vw, 64px);
        margin-bottom: 10px;
    }
    .vmh-step__title {
        font-size: 19px;
    }
}


/* =============================================================================
   MORTGAGES PAGE — SENIOR UI POLISH PASS (March 2026)
   Comprehensive visual upgrade across all 7 sections.
   ============================================================================= */

/* ── M1. SERVICES GRID — 3 columns at wide desktop ───────────────────────
   10 cards in 2 cols = 5 rows. 3 cols = 4 rows, much better scannability. */
@media (min-width: 1200px) {
    .vmh-grid {
        grid-template-columns: repeat(3, minmax(0, 1fr));
        gap: 22px;
    }
}

/* ── M2. SERVICE CARDS — heading font + separator above CTA link ──────── */
.vmh-card__title {
    font-family: var(--font-heading, 'Boska', Georgia, serif);
    font-size: 19px;
    letter-spacing: -0.01em;
    line-height: 1.15;
}

.vmh-card__cta {
    padding-top: 14px;
    margin-top: 8px;
    border-top: 1px solid var(--vip-line, #d7e0ee);
    font-size: 13px;
    font-weight: 700;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    display: flex;
    align-items: center;
    gap: 6px;
    transition: gap 0.2s ease;
}

.vmh-card:hover .vmh-card__cta {
    gap: 11px;
}

/* ── M3. STAT BLOCK — card treatment for each metric ─────────────────────
   Currently just padding on a plain div. Each stat needs its own card. */
.vmh-why__stats {
    gap: 16px;
}

.vmh-why-stat {
    background: var(--vip-card, #fff);
    border: 1px solid var(--vip-line, #d7e0ee);
    border-radius: 14px;
    padding: 20px 24px;
    box-shadow: 0 2px 8px rgba(10, 26, 58, 0.04);
    transition: box-shadow 0.25s ease, transform 0.25s ease;
}

.vmh-why-stat:hover {
    box-shadow: 0 8px 28px rgba(10, 26, 58, 0.1);
    transform: translateY(-2px);
}

/* Headline stat — primary accent */
.vmh-why-stat:first-child {
    border-left: 4px solid var(--vip-red, #c41e3a);
}

.vmh-why-stat__num {
    display: block;
    margin-bottom: 6px;
}

.vmh-why-stat__label {
    display: block;
    line-height: 1.4;
}

/* ── M4. OUTCOME CARDS — flex layout + type badge pinned to top ──────────
   HTML order: result → desc → type. Use order:-1 to surface the badge. */
.vmh-outcome-card {
    display: flex;
    flex-direction: column;
    padding: 28px 26px;
    transition: box-shadow 0.3s ease, transform 0.3s ease, border-color 0.3s ease;
}

.vmh-outcome-card:hover {
    transform: translateY(-4px);
}

/* Type badge (e.g. "Remortgage") floats to top */
.vmh-outcome-card__type {
    order: -1;
    display: inline-flex;
    align-items: center;
    align-self: flex-start;
    margin: 0 0 16px;
    padding: 4px 12px;
    background: rgba(196, 30, 58, 0.07);
    color: var(--vip-red, #c41e3a);
    border-radius: 20px;
    font-size: 10px;
    font-weight: 700;
    letter-spacing: 0.09em;
    text-transform: uppercase;
}

/* Big number — headline metric */
.vmh-outcome-card__result {
    margin: 0 0 14px;
    line-height: 1;
}

/* Unit label on its own line ("/ month saved") */
.vmh-outcome-card__result span {
    display: block;
    font-family: var(--font-body, Inter, sans-serif);
    font-size: 14px;
    font-weight: 500;
    color: var(--vip-muted, #5d6d86);
    margin-top: 6px;
    line-height: 1.3;
}

.vmh-outcome-card__desc {
    flex: 1;
    font-size: 15px;
    line-height: 1.72;
}

.vmh-outcomes-grid {
    gap: 20px;
}

/* ── M5. SECTION PADDING — 64 → 80px for comfortable vertical rhythm ──── */
.vmh-services,
.vmh-why,
.vmh-outcomes,
.vmh-faq {
    padding: 80px 0;
}

/* Process gets alt background to visually break the white sections */
.vmh-process {
    padding: 80px 0;
    background: var(--vip-bg, #f7f9fc);
}

/* ── M6. FAQ — slightly larger question text + more header breathing room */
.vmh-faq__header {
    margin-bottom: 36px;
}

.vmh-faq-q {
    font-size: 17px;
    padding: 20px 6px;
}

.vmh-faq-a p {
    padding: 0 6px 6px;
    font-size: 15px;
    line-height: 1.75;
    color: var(--vip-muted, #5d6d86);
    margin: 0;
}

/* ── M7. FINAL CTA — bolder headline for conversion section ──────────── */
.vmh-cta__inner {
    padding-top: 52px;
    padding-bottom: 52px;
}

.vmh-cta__title {
    font-size: clamp(26px, 3.2vw, 42px);
    line-height: 1.08;
    letter-spacing: -0.025em;
    margin-bottom: 14px;
}

.vmh-cta__sub {
    font-size: 17px;
    max-width: 460px;
    margin-left: auto;
    margin-right: auto;
    line-height: 1.75;
}

/* ── M8. WHY SECTION — more gap between text and stats column ─────────── */
.vmh-why__inner {
    gap: 48px;
}

/* ── M9. MOBILE — restore comfortable padding at small screens ─────────── */
@media (max-width: 767px) {
    .vmh-services,
    .vmh-process,
    .vmh-why,
    .vmh-outcomes,
    .vmh-faq {
        padding: 56px 0;
    }

    .vmh-outcome-card {
        padding: 22px 20px;
    }

    .vmh-why-stat {
        padding: 16px 20px;
    }

    .vmh-cta__inner {
        padding-top: 36px;
        padding-bottom: 36px;
    }

    .vmh-cta__title {
        font-size: clamp(22px, 7vw, 30px);
    }

    .vmh-faq__header {
        margin-bottom: 24px;
    }
}