/* =====================================================================
   Vaughan Mortgage Group — V2 shared design system
   Extracted verbatim from the premium homepage so every V2 page
   renders with the identical look, feel and navigation.
   ===================================================================== */

:root{--black:#050505;--gold:#d6ad45;--gold2:#f4d37a;--muted:#cfcfcf;--line:rgba(214,173,69,.32)}
*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:Arial,Helvetica,sans-serif;background:var(--black);color:#fff;line-height:1.6;padding-bottom:86px}a{text-decoration:none;color:inherit}img{max-width:100%;display:block}.wrap{max-width:1220px;margin:auto;padding:0 22px}
.top{background:#020202;border-bottom:1px solid var(--line);font-size:13px;color:#ddd}.top .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;padding:8px 22px}
header{position:sticky;top:0;z-index:30;background:rgba(5,5,5,.95);backdrop-filter:blur(14px);border-bottom:1px solid rgba(214,173,69,.22)}.nav{display:flex;justify-content:space-between;align-items:center;gap:18px;padding:12px 0}.brand{display:flex;align-items:center;gap:10px}.brand img{width:24px;height:24px;object-fit:contain;background:#000}.brand b{display:block;letter-spacing:.12em;font-size:14px}.brand span{display:block;color:var(--gold);font-size:10px;letter-spacing:.14em;text-transform:uppercase}.links{display:flex;align-items:center;gap:18px;font-size:14px;color:#ddd}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:14px 22px;border-radius:999px;background:linear-gradient(135deg,var(--gold2),var(--gold));color:#080808;font-weight:900;border:1px solid rgba(255,255,255,.18);box-shadow:0 16px 45px rgba(214,173,69,.20);cursor:pointer;text-align:center}.btn.alt{background:rgba(255,255,255,.08);color:#fff;border:1px solid rgba(214,173,69,.48);box-shadow:none}.btn.white{background:#fff;color:#080808;box-shadow:none}
.hero{position:relative;overflow:hidden;background:#050505;padding:0;border-top:0}.hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(5,5,5,.97) 0%,rgba(5,5,5,.80) 40%,rgba(5,5,5,.34) 100%),url('/office%20theme%20pic.jpeg') center/cover no-repeat;filter:saturate(.9) contrast(1.05) brightness(.78)}.hero:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 62%,rgba(5,5,5,.94));pointer-events:none}.heroGrid{position:relative;z-index:2;display:grid;grid-template-columns:.84fr 1.16fr;gap:34px;align-items:center;padding:48px 0 24px}.heroCopy{max-width:610px}.badge{display:inline-block;border:1px solid rgba(214,173,69,.56);color:var(--gold2);border-radius:999px;padding:9px 14px;font-size:13px;font-weight:900;letter-spacing:.08em;text-transform:uppercase;margin-bottom:18px;background:rgba(0,0,0,.55)}h1{font-family:Georgia,serif;font-size:clamp(48px,6vw,78px);line-height:.96;letter-spacing:-.05em;margin-bottom:20px;text-shadow:0 10px 45px rgba(0,0,0,.72)}h1 span{color:var(--gold2)}.lead{font-size:clamp(18px,2vw,22px);color:#f2f2f2;max-width:700px;margin-bottom:22px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:22px}.trust{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.trust div,.quickCard{border:1px solid rgba(255,255,255,.16);background:rgba(0,0,0,.62);border-radius:16px;padding:12px}.trust b{display:block}.trust span{font-size:12px;color:#c8c8c8}
.profileCard{background:linear-gradient(145deg,rgba(0,0,0,.42),rgba(0,0,0,.16));border:1px solid rgba(214,173,69,.5);border-radius:30px;padding:16px;box-shadow:0 24px 80px rgba(0,0,0,.58);backdrop-filter:blur(5px)}.headshot{width:560px;max-width:100%;aspect-ratio:4/5;border-radius:26px;overflow:hidden;border:3px solid var(--gold);box-shadow:0 0 0 8px rgba(214,173,69,.13),0 22px 70px rgba(0,0,0,.64);margin:0 auto 16px;background:#111}.headshot img{width:100%;height:100%;object-fit:cover;object-position:center top}.profileCard h2{font-family:Georgia,serif;font-size:34px;text-align:center}.profileCard p{text-align:center;color:#e5e5e5;margin-top:6px}.quickList{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-top:14px}.quickCard{font-size:13px}.quickCard b{color:var(--gold2)}
.photoStrip{position:relative;z-index:3;display:grid;grid-template-columns:1.15fr .9fr .9fr;gap:14px;padding:0 0 34px}.photoTile{position:relative;min-height:190px;border-radius:24px;overflow:hidden;border:1px solid rgba(214,173,69,.35);box-shadow:0 18px 50px rgba(0,0,0,.45)}.photoTile img{width:100%;height:100%;object-fit:cover}.photoTile:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 34%,rgba(0,0,0,.88) 100%)}.photoTile span{position:absolute;z-index:2;left:18px;bottom:15px;font-weight:900;font-size:18px}.photoTile small{display:block;color:var(--gold2);font-size:11px;letter-spacing:.1em;text-transform:uppercase;margin-bottom:3px}
section{padding:86px 0;border-top:1px solid rgba(255,255,255,.08)}.kicker{color:var(--gold);font-weight:900;text-transform:uppercase;letter-spacing:.14em;font-size:12px;margin-bottom:8px}h2{font-family:Georgia,serif;font-size:clamp(34px,4.5vw,56px);line-height:1.05;letter-spacing:-.035em}.head{display:flex;justify-content:space-between;gap:28px;align-items:end;margin-bottom:34px}.head p,.sub{color:var(--muted);max-width:670px;font-size:17px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card,.box{background:linear-gradient(145deg,rgba(255,255,255,.08),rgba(255,255,255,.035));border:1px solid rgba(214,173,69,.24);border-radius:28px;padding:28px}.card h3{font-size:22px;margin-bottom:10px}.card p,.box p{color:#c9c9c9}.icon{width:48px;height:48px;border-radius:16px;background:rgba(214,173,69,.14);border:1px solid rgba(214,173,69,.3);display:grid;place-items:center;color:var(--gold2);font-weight:900;margin-bottom:18px}.split{display:grid;grid-template-columns:.95fr 1.05fr;gap:26px}.stats{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:24px}.stat{padding:18px;border-radius:18px;background:rgba(0,0,0,.36);border:1px solid rgba(255,255,255,.1)}.stat b{display:block;color:var(--gold2);font-size:28px}
.ratesSection{background:radial-gradient(circle at 12% 0%,rgba(214,173,69,.22),transparent 38%),linear-gradient(135deg,#070707,#11100c)}.ratesBox{border:1px solid rgba(214,173,69,.38);border-radius:36px;padding:42px;background:rgba(0,0,0,.45)}.ratesMain{display:grid;grid-template-columns:1fr 1fr;gap:22px;align-items:stretch;margin-top:22px}.mccLogoButton{display:flex;align-items:center;justify-content:center;min-height:150px;border:1px solid rgba(244,211,122,.75);border-radius:28px;padding:24px;background:#fff}.mccLogoButton img{width:150px;height:150px;object-fit:contain;border-radius:50%;box-shadow:0 16px 45px rgba(0,0,0,.38)}.officialRatesCaption{text-align:center;color:var(--gold2);font-size:13px;font-weight:900;letter-spacing:.1em;text-transform:uppercase;margin-top:12px}.ratesPanel{border:1px solid rgba(255,255,255,.12);border-radius:26px;padding:26px;background:rgba(255,255,255,.055);display:flex;flex-direction:column;justify-content:center}.ratesPanel h3{font-family:Georgia,serif;font-size:28px;margin-bottom:10px}.ratesPanel p{color:#cfcfcf;margin-bottom:16px}.rateActions{display:grid;gap:12px}.rateDisclaimer{font-size:13px;color:#aaa;margin-top:16px}
.calc{display:grid;grid-template-columns:1fr 1fr;gap:22px}label{font-size:13px;color:#ddd;font-weight:800}input,select{width:100%;margin:8px 0 16px;padding:15px;border-radius:14px;background:#060606;border:1px solid rgba(255,255,255,.16);color:#fff;font-size:16px}.pay{font-family:Georgia,serif;font-size:54px;color:var(--gold2);margin:15px 0}.cta{background:radial-gradient(circle at 15% 0%,rgba(214,173,69,.26),transparent 40%),linear-gradient(135deg,#090909,#171009)}.ctaBox{border:1px solid rgba(214,173,69,.34);border-radius:36px;padding:50px;background:rgba(0,0,0,.36);display:grid;grid-template-columns:1.1fr .9fr;gap:28px;align-items:center}.faq{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}details{background:rgba(255,255,255,.055);border:1px solid rgba(255,255,255,.1);border-radius:20px;padding:20px}summary{font-weight:900;cursor:pointer}details p{color:#c9c9c9;margin-top:10px}.contactGrid{display:grid;grid-template-columns:.9fr 1.1fr;gap:22px}.mapWrap{margin-top:26px;border:1px solid rgba(214,173,69,.25);border-radius:28px;overflow:hidden;background:#000}.mapWrap iframe{border:0;display:block;width:100%;height:180px;filter:invert(90%) contrast(90%)}
footer{background:#030303;padding:45px 0;border-top:1px solid rgba(214,173,69,.25);color:#cfcfcf}.foot{display:grid;grid-template-columns:1.2fr .8fr .8fr .8fr;gap:25px}.foot h4{color:#fff;margin-bottom:10px}.gneLogo{display:block;background:#fff;border-radius:14px;padding:10px 12px;margin-top:12px;max-width:230px}.social-links{display:flex;gap:10px;flex-wrap:wrap;margin-top:10px}.social-icon{display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:10px;background:rgba(214,173,69,.12);border:1px solid rgba(214,173,69,.3);color:var(--gold2)}.social-icon svg{width:20px;height:20px;fill:currentColor}.legal{border-top:1px solid rgba(255,255,255,.08);padding-top:18px;margin-top:24px;color:#999;font-size:13px}.mobileBar{position:fixed;bottom:0;left:0;right:0;z-index:9999;background:#13110e;border-top:1px solid rgba(184,146,42,.35);padding:12px 14px;display:flex;gap:10px;justify-content:center}.mobileBar .btn{flex:1;max-width:220px;padding:12px 10px;font-size:13px;box-shadow:none}
@media(max-width:940px){.links{display:none}.heroGrid,.split,.calc,.ctaBox,.foot,.contactGrid,.ratesMain{grid-template-columns:1fr}.cards{grid-template-columns:1fr}.trust{grid-template-columns:1fr}.head{display:block}.faq{grid-template-columns:1fr}.profileCard{max-width:620px;margin:auto}.headshot{width:560px}.photoStrip{grid-template-columns:1fr 1fr}.photoTile:first-child{grid-column:1/-1}.quickList{grid-template-columns:1fr}.actions .btn,.rateActions .btn{width:100%}}
@media(max-width:520px){.top{font-size:12px}.brand img{width:20px;height:20px}.brand b{font-size:12px}.brand span{font-size:9px}h1{font-size:42px}.heroGrid{padding-top:34px}.profileCard{padding:14px}.headshot{width:100%;max-height:640px}.photoStrip{grid-template-columns:1fr}.photoTile:first-child{grid-column:auto}.photoTile{min-height:170px}.mobileBar{display:grid;grid-template-columns:1fr 1fr}.mobileBar .btn{max-width:none;font-size:12px;padding:11px 8px}}

/* Premium VMG visual system */
body{background:#050505;background-image:radial-gradient(circle at 15% 15%,rgba(214,173,69,.08),transparent 30%),linear-gradient(180deg,#050505,#0a0a09 45%,#050505);font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif}
header{background:rgba(5,5,5,.88);backdrop-filter:blur(18px);box-shadow:0 1px 0 rgba(214,173,69,.18)}
.nav{min-height:82px}.brand img{width:42px;height:42px;object-fit:contain;background:transparent}.brand b{font-size:15px;letter-spacing:.16em}
section{padding:104px 0}.hero{min-height:600px;border-bottom:1px solid rgba(214,173,69,.22)}
.hero:before{background:linear-gradient(90deg,rgba(4,4,4,.82) 0%,rgba(4,4,4,.52) 44%,rgba(4,4,4,.10) 100%),url('/office%20theme%20pic.jpeg') center/cover no-repeat;filter:saturate(.92) contrast(1.04) brightness(1.06);transform:scale(1.015)}
.hero:after{background:linear-gradient(180deg,rgba(0,0,0,.05) 45%,rgba(5,5,5,.92) 100%)}
.heroGrid{grid-template-columns:minmax(0,.95fr) minmax(400px,1fr);gap:44px;min-height:520px;padding:40px 0 28px}
.heroCopy{max-width:700px}.badge{padding:10px 17px;background:rgba(0,0,0,.52);backdrop-filter:blur(10px)}
h1{font-size:clamp(54px,6.4vw,88px);line-height:.94;letter-spacing:-.055em;margin-bottom:26px}.lead{font-size:clamp(19px,1.8vw,23px);line-height:1.6;max-width:650px}
.profileCard{justify-self:end;width:min(100%,600px);padding:18px;background:linear-gradient(145deg,rgba(9,9,9,.80),rgba(9,9,9,.48));border-color:rgba(244,211,122,.52);box-shadow:0 36px 100px rgba(0,0,0,.72);backdrop-filter:blur(14px)}
.headshot{width:560px;max-width:100%;border-radius:22px;border-width:2px;box-shadow:0 0 0 6px rgba(214,173,69,.1),0 20px 60px rgba(0,0,0,.7)}
.profileCard h2{font-size:30px}.quickList{gap:8px}.quickCard{padding:12px 8px}
.photoStrip{position:relative;z-index:2;margin-top:0;transform:translateY(-10px);gap:16px}.photoTile{min-height:220px;border-color:rgba(214,173,69,.34);box-shadow:0 20px 50px rgba(0,0,0,.38)}
.card,.box{background:linear-gradient(145deg,rgba(255,255,255,.075),rgba(255,255,255,.025));border-color:rgba(214,173,69,.22);box-shadow:0 24px 70px rgba(0,0,0,.2)}
.card{transition:transform .25s ease,border-color .25s ease,box-shadow .25s ease}.card:hover{transform:translateY(-6px);border-color:rgba(244,211,122,.58);box-shadow:0 30px 80px rgba(0,0,0,.42)}
.btn{min-height:48px;border-radius:12px;letter-spacing:.02em}.head{margin-bottom:46px}.kicker{letter-spacing:.2em}
footer{background:linear-gradient(180deg,#050505,#020202)}
@media(max-width:940px){section{padding:78px 0}.hero{min-height:auto}.heroGrid{grid-template-columns:1fr;gap:30px;min-height:auto;padding:34px 0 30px}.profileCard{justify-self:center;width:min(100%,600px)}.headshot{width:540px}.hero:before{background:linear-gradient(180deg,rgba(4,4,4,.58),rgba(4,4,4,.76)),url('/office%20theme%20pic.jpeg') center/cover no-repeat}}
@media(max-width:520px){.nav{min-height:68px}.brand img{width:34px;height:34px}.brand b{font-size:11px}.heroGrid{padding-top:26px}h1{font-size:44px}.lead{font-size:18px}.headshot{width:100%}.profileCard{padding:14px}.photoStrip{transform:none}section{padding:64px 0}}

.headerGne{display:flex;align-items:center;margin-left:10px;padding-left:10px;border-left:1px solid rgba(214,173,69,.28)}.headerGne img{display:block;width:auto;height:20px;max-width:88px;object-fit:contain}
.localServiceVisual{display:grid;grid-template-columns:1fr 148px;gap:20px;align-items:center}.vaughanSign{width:148px;height:96px;object-fit:cover;border-radius:16px;border:1px solid rgba(214,173,69,.34);opacity:.72;filter:saturate(.72) contrast(1.05);box-shadow:0 16px 38px rgba(0,0,0,.35)}
.fsraBadge{display:flex;align-items:center;gap:10px;margin-top:14px;padding:8px 10px;border:1px solid rgba(214,173,69,.22);border-radius:12px;background:rgba(255,255,255,.045)}.fsraBadge img{width:74px;height:48px;object-fit:cover;border-radius:7px}.fsraBadge span{font-size:11px;line-height:1.35;color:#bbb}
@media(max-width:720px){.headerGne{margin-left:6px;padding-left:6px}.headerGne img{height:18px;max-width:66px}.localServiceVisual{grid-template-columns:1fr}.vaughanSign{width:100%;height:130px}.fsraBadge img{width:66px;height:44px}}

/* Header logo sizing refinement */
.nav{min-height:92px}.brand{gap:14px}.brand img{width:58px!important;height:58px!important;flex:0 0 58px}.brand b{font-size:15px}.headerGne{margin-left:16px;padding-left:16px}.headerGne img{height:34px;max-width:145px}
@media(max-width:1100px){.brand img{width:50px!important;height:50px!important;flex-basis:50px}.headerGne img{height:30px;max-width:122px}.headerGne{margin-left:10px;padding-left:10px}}
@media(max-width:720px){.nav{min-height:76px}.brand img{width:44px!important;height:44px!important;flex-basis:44px}.brand b{font-size:12px}.headerGne img{height:26px;max-width:100px}}

/* Final header branding scale */
.nav{min-height:100px}.brand img{width:76px!important;height:76px!important;flex:0 0 76px}.headerGne{margin-left:18px;padding-left:18px}.headerGne img{height:46px;max-width:190px}
@media(max-width:1100px){.brand img{width:64px!important;height:64px!important;flex-basis:64px}.headerGne img{height:40px;max-width:160px}}
@media(max-width:720px){.nav{min-height:84px}.brand img{width:54px!important;height:54px!important;flex-basis:54px}.headerGne img{height:34px;max-width:130px}}

/* =====================================================================
   V2 multi-page navigation enhancements
   (desktop appearance is unchanged; adds active state + mobile menu)
   ===================================================================== */
.links a{position:relative;transition:color .2s ease}
.links a:not(.btn):hover{color:var(--gold2)}
.links a.active:not(.btn){color:var(--gold2)}
.links a.active:not(.btn):after{content:"";position:absolute;left:0;right:0;bottom:-6px;height:2px;border-radius:2px;background:linear-gradient(90deg,var(--gold2),var(--gold))}
.navToggle{display:none;align-items:center;justify-content:center;width:46px;height:44px;border-radius:12px;background:rgba(255,255,255,.06);border:1px solid rgba(214,173,69,.4);color:var(--gold2);cursor:pointer}
.navToggle svg{width:24px;height:24px;stroke:currentColor;fill:none;stroke-width:2.2}
/* Desktop: compact header so the full-label primary nav fits on one row */
@media(min-width:1201px){
  .nav{min-height:88px;flex-wrap:nowrap;gap:12px}
  .brand img{width:48px!important;height:48px!important;flex:0 0 48px}
  .brand b{font-size:12px;letter-spacing:.08em}
  .brand span{font-size:9px;letter-spacing:.12em}
  .headerGne{margin-left:11px;padding-left:11px}
  .headerGne img{height:28px;max-width:96px}
  .links{gap:10px;font-size:11.5px}
  .links a:not(.btn){white-space:nowrap}
  .links a.btn.apply{padding:10px 13px;min-height:38px;font-size:11.5px}
}
@media(max-width:1200px){
  .navToggle{display:inline-flex}
  .links{position:absolute;top:100%;left:0;right:0;display:none;flex-direction:column;align-items:stretch;gap:0;padding:10px 22px 18px;background:rgba(5,5,5,.98);backdrop-filter:blur(18px);border-bottom:1px solid rgba(214,173,69,.22);box-shadow:0 24px 60px rgba(0,0,0,.6)}
  .links.open{display:flex}
  .links a{padding:13px 4px;border-bottom:1px solid rgba(255,255,255,.07);font-size:15px;white-space:normal}
  .links a.active:not(.btn):after{display:none}
  .links a.btn{margin-top:12px;border-bottom:0}
  .links a.btn.apply{background:linear-gradient(135deg,var(--gold2),var(--gold));color:#080808}
}

/* Shared page-hero used on interior pages (keeps the gold-on-black premium tone) */
.pageHero{position:relative;overflow:hidden;border-bottom:1px solid rgba(214,173,69,.22);padding:0}
.pageHero:before{content:"";position:absolute;inset:0;background:linear-gradient(120deg,rgba(4,4,4,.94) 0%,rgba(4,4,4,.72) 55%,rgba(4,4,4,.42) 100%),url('/office%20theme%20pic.jpeg') center/cover no-repeat;filter:saturate(.9) contrast(1.04) brightness(.9)}
.pageHero:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 55%,rgba(5,5,5,.94));pointer-events:none}
.pageHeroInner{position:relative;z-index:2;padding:74px 0 62px;max-width:820px}
.pageHero h1{font-size:clamp(40px,5.2vw,68px)}
.pageHero .lead{margin-bottom:0}
.breadcrumbs{font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);font-weight:900;margin-bottom:16px}
.breadcrumbs a{color:#cfcfcf}.breadcrumbs a:hover{color:var(--gold2)}

/* Reusable content helpers */
.prose{max-width:760px}
.prose p{color:#cfcfcf;font-size:17px;margin-bottom:16px}
.prose h3{font-family:Georgia,serif;font-size:26px;margin:26px 0 10px}
.list{display:grid;gap:12px;margin-top:8px}
.list .row{display:flex;gap:14px;align-items:flex-start;padding:16px 18px;border-radius:16px;background:rgba(255,255,255,.045);border:1px solid rgba(214,173,69,.18)}
.list .row .mk{flex:0 0 auto;width:30px;height:30px;border-radius:9px;background:rgba(214,173,69,.14);border:1px solid rgba(214,173,69,.34);color:var(--gold2);font-weight:900;display:grid;place-items:center;font-size:13px}
.list .row b{color:#fff}
.list .row p{color:#c4c4c4;margin:2px 0 0;font-size:15px}
.steps{display:grid;gap:16px}
.step{display:grid;grid-template-columns:64px 1fr;gap:18px;align-items:start;padding:24px;border-radius:24px;background:linear-gradient(145deg,rgba(255,255,255,.075),rgba(255,255,255,.025));border:1px solid rgba(214,173,69,.22)}
.step .num{width:56px;height:56px;border-radius:16px;background:rgba(214,173,69,.14);border:1px solid rgba(214,173,69,.34);color:var(--gold2);font-family:Georgia,serif;font-size:26px;font-weight:900;display:grid;place-items:center}
.step h3{font-size:21px;margin-bottom:6px}.step p{color:#c9c9c9}
.pill{display:inline-block;padding:6px 12px;border-radius:999px;font-size:12px;font-weight:900;letter-spacing:.06em;text-transform:uppercase;color:var(--gold2);background:rgba(214,173,69,.12);border:1px solid rgba(214,173,69,.32);margin-bottom:14px}
.articleCard{display:flex;flex-direction:column}
.articleCard .tag{color:var(--gold2);font-size:12px;font-weight:900;letter-spacing:.1em;text-transform:uppercase;margin-bottom:10px}
.articleCard h3{font-size:20px;margin-bottom:8px}
.articleCard a.more{color:var(--gold2);font-weight:900;margin-top:14px;display:inline-block}
.calcResult{display:flex;flex-direction:column;justify-content:center}
.resultRow{display:flex;justify-content:space-between;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.08);color:#cfcfcf;font-size:15px}
.resultRow b{color:#fff}
.center{text-align:center}
.mt24{margin-top:24px}
@media(max-width:940px){.step{grid-template-columns:1fr}.step .num{width:52px;height:52px}}

/* Visual timeline variant (Mortgage Journey) — gold connector line down the steps */
.steps.timeline{position:relative}
.steps.timeline:before{content:"";position:absolute;left:51px;top:34px;bottom:34px;width:2px;background:linear-gradient(180deg,var(--gold2),rgba(214,173,69,.14));z-index:0}
.steps.timeline .step{position:relative;z-index:1}
.steps.timeline .step .num{box-shadow:0 0 0 6px #050505,0 0 0 8px rgba(214,173,69,.22)}
@media(max-width:940px){.steps.timeline:before{display:none}}

/* Calculator index cards (Calculators landing) */
.calcNav{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
@media(max-width:940px){.calcNav{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.calcNav{grid-template-columns:1fr}}

/* "Why You Can Trust VMG" — FSRA trust section (homepage, below hero) */
.trustFsra .split{align-items:center}
.trustFsra .fsraCol{display:flex;flex-direction:column;gap:14px}
.fsraLogo{display:flex;align-items:center;justify-content:center;min-height:235px;background:#fff;border:1px solid rgba(244,211,122,.6);border-radius:20px;padding:24px}
.fsraLogo img{max-height:200px;max-width:100%;width:auto;object-fit:contain}
/* Placeholder shown until the official FSRA logo is approved/added */
.fsraLogo.placeholder{background:linear-gradient(145deg,rgba(255,255,255,.06),rgba(255,255,255,.02));border-style:dashed;flex-direction:column;gap:8px;text-align:center}
.fsraLogo.placeholder b{font-family:Georgia,serif;font-size:46px;letter-spacing:.14em;color:var(--gold2);line-height:1}
.fsraLogo.placeholder span{font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:#bdbdbd;max-width:260px}
.fsraLogo.placeholder small{font-size:10px;letter-spacing:.1em;text-transform:uppercase;color:#8a8a8a}

/* Mortgage Market Centre — "Live Feed" placeholders (Make.com integration hooks) */
.feedGrid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.liveFeed{background:linear-gradient(145deg,rgba(255,255,255,.06),rgba(255,255,255,.02));border:1px solid rgba(214,173,69,.24);border-radius:20px;padding:22px;box-shadow:0 20px 60px rgba(0,0,0,.18)}
.liveFeedHead{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:16px;flex-wrap:wrap}
.liveFeedHead h3{font-family:Georgia,serif;font-size:20px}
.liveTag{display:inline-flex;align-items:center;gap:8px;font-size:11px;font-weight:900;letter-spacing:.14em;text-transform:uppercase;color:var(--gold2);background:rgba(214,173,69,.12);border:1px solid rgba(214,173,69,.4);border-radius:999px;padding:6px 12px;white-space:nowrap}
.liveTag .dot{width:8px;height:8px;border-radius:50%;background:var(--gold2);animation:pulse 1.8s infinite}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(244,211,122,.55)}70%{box-shadow:0 0 0 8px rgba(244,211,122,0)}100%{box-shadow:0 0 0 0 rgba(244,211,122,0)}}
.feedMeta{font-size:12px;color:#9a9a9a;letter-spacing:.04em}
.feedItems{display:grid;gap:12px}
.feedItem{display:grid;gap:8px;padding:14px 16px;border-radius:14px;background:rgba(0,0,0,.28);border:1px solid rgba(255,255,255,.07)}
.skel{border-radius:6px;background:linear-gradient(90deg,rgba(255,255,255,.06) 25%,rgba(255,255,255,.14) 37%,rgba(255,255,255,.06) 63%);background-size:400% 100%;animation:shimmer 1.6s ease infinite}
.skel-title{height:14px;width:62%}
.skel-line{height:10px;width:100%}
.skel-line.short{width:80%}
@keyframes shimmer{0%{background-position:100% 0}100%{background-position:-100% 0}}
.feedNote{font-size:13px;color:#a9a9a9;margin-top:14px}
.feedActions{margin-top:16px}
@media(max-width:940px){.feedGrid{grid-template-columns:1fr}}
@media(prefers-reduced-motion:reduce){.skel,.liveTag .dot{animation:none}}

/* Finished "Live Feed" resting state (tasteful placeholder instead of bare skeletons) */
.feedEmpty{display:flex;gap:13px;align-items:flex-start;padding:16px 18px;border-radius:14px;background:rgba(0,0,0,.28);border:1px dashed rgba(214,173,69,.32)}
.feedEmpty b{color:#fff;display:block;margin-bottom:4px}
.feedEmpty p{color:#b9b9b9;font-size:14px;margin:0}
.feedEmptyDot{flex:0 0 auto;width:10px;height:10px;border-radius:50%;background:var(--gold2);margin-top:6px;box-shadow:0 0 0 4px rgba(244,211,122,.14);animation:pulse 1.8s infinite}

/* Homepage "Today's Mortgage Market" featured card — clickable snapshot rows */
#todays-market .list .row{cursor:pointer;transition:border-color .2s ease,background .2s ease,transform .2s ease}
#todays-market .list .row:hover{border-color:rgba(244,211,122,.55);background:rgba(255,255,255,.08);transform:translateX(3px)}
#todays-market .list .mk{font-size:17px;background:rgba(214,173,69,.16);width:34px;height:34px}
#todays-market .list .row b{color:#fff}

/* Today's Mortgage Snapshot — top-of-page live strip (Make.com integration hooks) */
#mortgage-snapshot{padding:20px 0 0}
.snapshotBar{border:1px solid rgba(214,173,69,.32);border-radius:18px;background:linear-gradient(145deg,rgba(255,255,255,.055),rgba(255,255,255,.02));box-shadow:0 18px 50px rgba(0,0,0,.25);overflow:hidden}
.snapHead{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap;padding:12px 18px;border-bottom:1px solid rgba(214,173,69,.18);background:rgba(0,0,0,.28)}
.snapUpdated{font-size:12px;color:#9a9a9a;letter-spacing:.04em}
.snapUpdated b{color:#cfcfcf;font-weight:800}
.snapGrid{display:grid;grid-template-columns:repeat(4,1fr) 1.7fr}
.snapStat{display:flex;flex-direction:column;gap:6px;padding:14px 18px;border-right:1px solid rgba(255,255,255,.08);text-decoration:none;color:inherit}
.snapStat:last-child{border-right:0}
.snapStat.link{transition:background .2s ease}
.snapStat.link:hover{background:rgba(255,255,255,.05)}
.snapStat.link:hover .snapValue{color:var(--gold2)}
.snapLabel{font-size:11px;font-weight:900;letter-spacing:.12em;text-transform:uppercase;color:var(--gold)}
.snapValue{font-family:Georgia,serif;font-size:22px;color:#f4f4f4;line-height:1.15}
.snapStat.wide .snapValue{font-family:Inter,ui-sans-serif,system-ui,sans-serif;font-size:14px;color:#cfcfcf;font-weight:600}
@media(max-width:940px){.snapGrid{grid-template-columns:1fr 1fr}.snapStat{border-right:0;border-bottom:1px solid rgba(255,255,255,.08)}.snapStat:nth-child(odd){border-right:1px solid rgba(255,255,255,.08)}}
@media(max-width:520px){.snapGrid{grid-template-columns:1fr}.snapStat:nth-child(odd){border-right:0}}

/* Proud Member of The Mortgage Centre Network — homepage brand section */
.mccLogoWrap{display:flex;align-items:center;justify-content:center;background:#fff;border:1px solid rgba(244,211,122,.6);border-radius:22px;padding:30px;min-height:190px;max-width:560px;margin:0 auto;box-shadow:0 24px 70px rgba(0,0,0,.25)}
.mccLogoWrap img{max-width:100%;max-height:170px;width:auto;object-fit:contain}
#mcc-network .mccIntro{max-width:760px;margin:26px auto 0}
#mcc-network .actions{justify-content:center}


/* Commercial & Private Lending expansion — additive navigation and page heroes */
.navDropdown{position:relative;display:flex;align-items:center}
.navDropToggle{appearance:none;border:0;background:transparent;color:inherit;font:inherit;cursor:pointer;white-space:nowrap;padding:0}
.navDropToggle:after{content:"▾";margin-left:5px;color:var(--gold2);font-size:.8em}
.navDropdownMenu{position:absolute;top:calc(100% + 14px);left:50%;transform:translateX(-50%);display:none;min-width:245px;padding:9px;background:rgba(5,5,5,.99);border:1px solid rgba(214,173,69,.34);border-radius:14px;box-shadow:0 24px 60px rgba(0,0,0,.62)}
.navDropdownMenu a{display:block;padding:11px 13px;border-radius:9px;white-space:nowrap}
.navDropdownMenu a:hover,.navDropdownMenu a.active{background:rgba(214,173,69,.12);color:var(--gold2)}
.navDropdown:hover .navDropdownMenu,.navDropdown:focus-within .navDropdownMenu{display:block}
.financeHero:before{display:none}
.financeHero{min-height:560px;display:flex;align-items:flex-end;background-image:linear-gradient(90deg,rgba(5,5,5,.96) 0%,rgba(5,5,5,.72) 48%,rgba(5,5,5,.28) 100%),var(--finance-hero);background-position:center;background-size:cover}
.financeHero .pageHeroInner{max-width:760px;padding:110px 0 82px}
.financeHero .lead{color:#f1f1f1;text-shadow:0 3px 20px rgba(0,0,0,.72)}
.financeNote{margin-top:22px;padding:16px 18px;border-left:3px solid var(--gold);background:rgba(0,0,0,.46);color:#d8d8d8}
@media(max-width:1200px){
  .navDropdown{display:block}
  .navDropToggle{width:100%;padding:13px 4px;border-bottom:1px solid rgba(255,255,255,.07);text-align:left;font-size:15px}
  .navDropdownMenu{position:static;transform:none;min-width:0;padding:4px 0 4px 14px;border:0;border-radius:0;background:transparent;box-shadow:none}
  .navDropdown:hover .navDropdownMenu{display:none}
  .navDropdown.open .navDropdownMenu,.navDropdown:focus-within .navDropdownMenu{display:block}
  .navDropdownMenu a{padding:11px 4px}
}
@media(max-width:640px){
  .financeHero{min-height:500px;background-image:linear-gradient(180deg,rgba(5,5,5,.42),rgba(5,5,5,.94)),var(--finance-hero)}
  .financeHero .pageHeroInner{padding:78px 0 58px}
}