/* New Property Direct — site styles. Tokens per docs/WEBSITE.md (D-013). */
:root {
  --navy: #13203A;
  --blue: #1F5FBF;
  --blue-hover: #174A96;
  --blue-on-navy: #7FB0F5;
  --white: #FFFFFF;
  --sand: #F6F2EA;
  --grey: #F7F9FC;
  --slate: #4A5468;
  --muted-on-navy: #C3CBDA;
  --border: #E3E7EE;
  --border-strong: #C9D1DE;
  --radius: 8px;
  --radius-lg: 14px;
  --max: 1200px;
  --font: 'Schibsted Grotesk', system-ui, -apple-system, 'Segoe UI', sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body {
  margin: 0;
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.6;
  color: var(--navy);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--blue); }
a:hover { color: var(--blue-hover); }
:focus-visible { outline: 3px solid var(--blue); outline-offset: 2px; }

.container { max-width: var(--max); margin: 0 auto; padding: 0 32px; }
.skip { position: absolute; left: -9999px; }
.skip:focus { left: 16px; top: 16px; background: var(--white); padding: 8px 12px; z-index: 10; }

/* Wordmark */
.wordmark { font-size: 22px; letter-spacing: -0.02em; text-decoration: none; color: var(--navy); white-space: nowrap; }
.wordmark .np { font-weight: 400; }
.wordmark .d { font-weight: 900; color: var(--blue); }
.wordmark--light { color: var(--white); }
.wordmark--light .d { color: var(--blue-on-navy); }

/* Header */
.site-header { border-bottom: 1px solid var(--border); background: var(--white); position: sticky; top: 0; z-index: 5; }
.site-header .container { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 72px; }
.nav { display: flex; align-items: center; gap: 28px; }
.nav a { color: var(--navy); text-decoration: none; font-size: 15px; }
.nav a:hover { color: var(--blue); }
.menu-toggle { display: none; width: 44px; height: 44px; border: 1px solid var(--border); background: var(--white); border-radius: var(--radius); align-items: center; justify-content: center; cursor: pointer; }

/* Buttons */
.btn { display: inline-block; font-family: inherit; font-weight: 700; font-size: 16px; line-height: 1.2; padding: 15px 26px; border-radius: var(--radius); text-decoration: none; border: 1px solid transparent; cursor: pointer; text-align: center; }
.btn--primary { background: var(--blue); color: var(--white); }
.btn--primary:hover { background: var(--blue-hover); color: var(--white); }
.btn--secondary { background: var(--white); color: var(--navy); border-color: var(--border-strong); font-weight: 600; }
.btn--secondary:hover { border-color: var(--navy); color: var(--navy); }
.btn--light { background: var(--white); color: var(--navy); }
.btn--light:hover { background: var(--grey); color: var(--navy); }
.btn--small { padding: 11px 20px; font-size: 15px; }
.nav .btn--primary { color: var(--white); }

/* Type */
h1, h2, h3 { margin: 0; line-height: 1.1; }
h1 { font-size: clamp(36px, 5vw, 56px); font-weight: 700; letter-spacing: -0.025em; line-height: 1.04; }
h2 { font-size: clamp(27px, 3.2vw, 38px); font-weight: 700; letter-spacing: -0.02em; }
h3 { font-size: 21px; font-weight: 600; letter-spacing: -0.01em; }
.lead { font-size: 19px; color: var(--slate); max-width: 540px; margin: 0; }
.label { font-size: 13px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--blue); }
.muted { color: var(--slate); }
p { margin: 0; }

/* Sections */
.section { padding: 88px 0; }
.section--sand { background: var(--sand); }
.section--grey { background: var(--grey); }
.section--navy { background: var(--navy); color: var(--white); }

/* Hero */
.hero { padding: 72px 0; }
.hero .container { display: flex; flex-wrap: wrap; gap: 56px; align-items: center; }
.hero__text { flex: 1 1 460px; min-width: 0; display: flex; flex-direction: column; gap: 22px; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 6px; }
.photo { flex: 1 1 480px; min-width: 0; width: 100%; height: 440px; object-fit: cover; border-radius: 16px; background: #D9DEE6; }

/* Pillars */
.pillars { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 24px; padding-bottom: 88px; }
.pillar { background: var(--grey); border-radius: var(--radius-lg); padding: 28px; display: flex; flex-direction: column; gap: 10px; }
.pillar p { color: var(--slate); font-size: 16px; }

/* Split (heading left, text right) */
.split { display: flex; flex-wrap: wrap; gap: 56px; }
.split > h2 { flex: 1 1 360px; }
.split__body { flex: 1 1 480px; min-width: 0; display: flex; flex-direction: column; gap: 16px; color: #3C4760; }

/* Steps */
.steps { list-style: none; margin: 40px 0 0; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 28px; }
.steps li { display: flex; flex-direction: column; gap: 10px; }
.steps .num { font-size: 15px; font-weight: 700; color: var(--blue); }
.steps p { color: var(--slate); font-size: 16px; }

/* Closing CTA */
.cta .container { display: flex; flex-wrap: wrap; gap: 40px; align-items: center; justify-content: space-between; }
.cta__text { flex: 1 1 520px; min-width: 0; display: flex; flex-direction: column; gap: 14px; }
.cta__text p { color: var(--muted-on-navy); }

/* Form */
.form-wrap { max-width: 720px; }
.form-wrap > h2 { margin-bottom: 10px; }
.form { margin-top: 28px; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px 20px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field--full { grid-column: 1 / -1; }
.field label { font-size: 15px; font-weight: 600; }
.field input, .field select, .field textarea { font-family: inherit; font-size: 16px; padding: 13px 14px; border: 1px solid var(--border-strong); border-radius: var(--radius); background: var(--white); color: var(--navy); width: 100%; }
.field textarea { min-height: 120px; resize: vertical; }
.consent { grid-column: 1 / -1; display: flex; gap: 12px; align-items: flex-start; font-size: 14px; color: var(--slate); }
.consent input { width: 20px; height: 20px; margin-top: 2px; flex: none; }
.form .btn { grid-column: 1 / -1; justify-self: start; }
.hp { position: absolute; left: -9999px; }
.form-status { grid-column: 1 / -1; font-size: 15px; font-weight: 600; }
.form-status[hidden] { display: none; }

/* Segmented toggle (contact) */
.toggle { display: inline-flex; border: 1px solid var(--border-strong); border-radius: var(--radius); overflow: hidden; margin-top: 24px; }
.toggle button { font-family: inherit; font-size: 15px; font-weight: 600; padding: 12px 18px; background: var(--white); color: var(--navy); border: 0; cursor: pointer; min-height: 44px; }
.toggle button[aria-pressed="true"] { background: var(--navy); color: var(--white); }

/* Prose pages */
.page-head { padding: 64px 0 32px; }
.prose { max-width: 760px; display: flex; flex-direction: column; gap: 40px; padding-bottom: 88px; }
.prose section { display: flex; flex-direction: column; gap: 12px; }
.prose p, .prose li { color: #3C4760; }
.prose ul { margin: 0; padding-left: 20px; display: flex; flex-direction: column; gap: 8px; }

/* Footer */
.site-footer { background: var(--navy); color: var(--muted-on-navy); font-size: 14px; }
.site-footer .container { padding-top: 48px; padding-bottom: 48px; display: flex; flex-direction: column; gap: 18px; }
.site-footer a { color: var(--white); }
.footer-links { display: flex; flex-wrap: wrap; gap: 20px; }
.disclaimer { max-width: 820px; font-size: 13px; line-height: 1.6; }

/* Mobile */
@media (max-width: 860px) {
  body { font-size: 16px; }
  .container { padding: 0 20px; }
  .menu-toggle { display: inline-flex; }
  .nav { display: none; position: absolute; top: 72px; left: 0; right: 0; background: var(--white); border-bottom: 1px solid var(--border); flex-direction: column; align-items: stretch; gap: 0; padding: 8px 20px 20px; }
  .nav.is-open { display: flex; }
  .nav a { padding: 14px 0; font-size: 17px; border-bottom: 1px solid var(--border); }
  .nav .btn { margin-top: 12px; border-bottom: 0; }
  .hero { padding: 36px 0 28px; }
  .hero .container { gap: 28px; }
  .hero__actions .btn { flex: 1 1 100%; }
  .photo { height: 260px; }
  .pillars { padding-bottom: 48px; }
  .section { padding: 56px 0; }
  .split { gap: 16px; }
  .form { grid-template-columns: 1fr; }
  .form .btn { justify-self: stretch; }
  .cta .btn { width: 100%; }
}

/* ===== Homepage v2 ===== */
.hero--v2 { padding: 64px 0 80px; }
.hero--v2 .container { gap: 64px; align-items: stretch; }
.hero--v2 .hero__text { justify-content: center; gap: 20px; }
.hero__sub { font-size: 24px; font-weight: 600; letter-spacing: -0.01em; line-height: 1.3; color: var(--blue); margin: 0; max-width: 520px; }
.hero__body { font-size: 18px; color: var(--slate); margin: 0; max-width: 520px; }
.hero--v2 .photo { height: auto; min-height: 520px; aspect-ratio: auto; }

.eyebrow { font-size: 13px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--blue); margin-bottom: 14px; display: block; }
.section--navy .eyebrow { color: var(--blue-on-navy); }

.reasons { padding: 24px 0 96px; }
.reasons__grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 40px; margin-top: 36px; }
.reason { border-top: 3px solid var(--navy); padding-top: 22px; display: flex; flex-direction: column; gap: 10px; }
.reason__num { font-size: 15px; font-weight: 700; color: var(--blue); }
.reason h3 { font-size: 24px; }
.reason p { color: var(--slate); font-size: 16.5px; }

.numbers { padding: 104px 0; }
.numbers .container { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 72px; align-items: center; }
.numbers h2 { font-size: clamp(30px, 3.6vw, 44px); line-height: 1.08; }
.numbers__body { display: flex; flex-direction: column; gap: 18px; }
.numbers__body p { color: var(--muted-on-navy); font-size: 17.5px; }
.ticks { list-style: none; margin: 4px 0 0; padding: 0; display: flex; flex-direction: column; gap: 12px; }
.ticks li { display: flex; gap: 12px; align-items: flex-start; color: var(--white); font-size: 16.5px; }
.ticks svg { flex: none; margin-top: 3px; }
.fineprint { font-size: 13px; color: #9EAAC0 !important; }

.panel { background: var(--white); color: var(--navy); border-radius: 16px; padding: 28px; box-shadow: 0 24px 48px rgba(0,0,0,0.25); }
.panel__head { display: flex; justify-content: space-between; align-items: center; gap: 12px; flex-wrap: wrap; margin-bottom: 18px; }
.panel__title { font-weight: 700; font-size: 17px; }
.pills { display: inline-flex; background: var(--grey); border-radius: 999px; padding: 4px; gap: 2px; }
.pills span { font-size: 12.5px; font-weight: 600; padding: 7px 12px; border-radius: 999px; color: var(--slate); }
.pills .on { background: var(--navy); color: var(--white); }
.rows { display: flex; flex-direction: column; }
.row { display: flex; justify-content: space-between; align-items: center; padding: 13px 0; border-bottom: 1px solid var(--border); font-size: 15px; }
.row span:first-child { color: var(--slate); }
.bar { height: 10px; border-radius: 6px; background: #E6ECF5; }
.row--total { border-bottom: 0; padding-top: 18px; font-weight: 700; }
.row--total span:first-child { color: var(--navy); }
.row--total .bar { background: var(--blue); }
.panel__note { margin-top: 14px; font-size: 12.5px; color: var(--slate); }

.journey { padding: 96px 0; }
.journey__steps { list-style: none; margin: 44px 0 0; padding: 0; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 32px; position: relative; }
.journey__steps::before { content: ""; position: absolute; top: 22px; left: 22px; right: 22px; height: 2px; background: #DCD3C2; }
.journey__steps li { position: relative; display: flex; flex-direction: column; gap: 10px; }
.dot { width: 44px; height: 44px; border-radius: 50%; background: var(--navy); color: var(--white); font-weight: 700; display: flex; align-items: center; justify-content: center; font-size: 16px; margin-bottom: 8px; }
.journey__steps h3 { font-size: 20px; }
.journey__steps p { color: #4F4C46; font-size: 16px; }

.closing { padding: 104px 0; }
.closing .container { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 6fr); gap: 64px; align-items: start; }
.closing h2 { font-size: clamp(30px, 3.6vw, 44px); line-height: 1.08; }
.closing__text { display: flex; flex-direction: column; gap: 18px; padding-top: 8px; }
.closing__text p { color: var(--slate); font-size: 18px; }
.form-card { background: var(--grey); border: 1px solid var(--border); border-radius: 16px; padding: 32px; }
.form-card .form { margin-top: 0; }

/* About credibility */
.creds { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 20px; }
.cred { border-top: 3px solid var(--navy); padding-top: 16px; display: flex; flex-direction: column; gap: 6px; }
.cred strong { font-size: 18px; color: var(--navy); }
.cred span { color: var(--slate); font-size: 15.5px; line-height: 1.55; }

@media (max-width: 860px) {
  .hero--v2 { padding: 32px 0 48px; }
  .hero--v2 .container { gap: 28px; }
  .hero__sub { font-size: 20px; }
  .hero__body { font-size: 16.5px; }
  .hero--v2 .photo { min-height: 0; height: 260px; }
  .reasons { padding: 8px 0 56px; }
  .reasons__grid { grid-template-columns: 1fr; gap: 28px; margin-top: 24px; }
  .numbers { padding: 64px 0; }
  .numbers .container { grid-template-columns: 1fr; gap: 40px; }
  .panel { padding: 20px; }
  .journey { padding: 64px 0; }
  .journey__steps { grid-template-columns: 1fr; gap: 24px; }
  .journey__steps::before { top: 22px; bottom: 22px; left: 21px; right: auto; width: 2px; height: auto; }
  .journey__steps li { padding-left: 64px; }
  .dot { position: absolute; left: 0; top: 0; margin: 0; }
  .closing { padding: 64px 0; }
  .closing .container { grid-template-columns: 1fr; gap: 28px; }
  .form-card { padding: 20px; }
}