/* ==========================================================================
   RHER BUY-TO-LET MORTGAGES PAGE
   Professional, practical, investment-focused but approachable.
   Mobile-first responsive design. All classes prefixed `btl-`.
   ========================================================================== */


/* Draft Notice - shared with other pages */
.adv-draft-notice {
  background: #FFF3E0;
  border-bottom: 1px solid rgba(230, 81, 0, 0.2);
  padding: var(--space-3) var(--space-4);
  font-size: var(--text-xs);
  color: var(--color-primary);
  text-align: center;
}


/* ==========================================================================
   SHARED SECTION STYLES
   ========================================================================== */

.btl-section {
  padding: var(--space-16) 0;
}

@media (min-width: 768px) {
  .btl-section {
    padding: var(--space-20) 0;
  }
}

@media (min-width: 1200px) {
  .btl-section {
    padding: var(--space-24) 0;
  }
}

.btl-section-title {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-weight: 700;
  color: var(--color-navy);
  margin-bottom: var(--space-4);
  text-align: center;
  line-height: 1.2;
  text-wrap: balance;
}

.btl-section-intro {
  font-family: var(--font-body);
  font-size: var(--text-base);
  color: var(--color-text-muted);
  text-align: center;
  max-width: 64ch;
  margin: 0 auto var(--space-10);
  line-height: 1.65;
}

.btl-body-text {
  font-family: var(--font-body);
  font-size: var(--text-base);
  color: var(--color-text);
  line-height: 1.7;
}

.btl-body-text p + p {
  margin-top: var(--space-4);
}


/* ==========================================================================
   BUTTON VARIANTS FOR CTA SECTIONS
   ========================================================================== */

.btl-btn-white {
  background: #FFFFFF;
  color: var(--color-primary);
  font-weight: 600;
  padding: var(--space-4) var(--space-8);
  font-size: var(--text-base);
  min-height: 52px;
  border-radius: var(--radius-md);
}

.btl-btn-white:hover {
  background: #F5F5F5;
  color: var(--color-primary-hover);
}

.btl-btn-white-ghost {
  background: transparent;
  color: #FFFFFF;
  border: 1.5px solid rgba(255, 255, 255, 0.5);
  font-weight: 600;
  padding: var(--space-4) var(--space-8);
  font-size: var(--text-base);
  min-height: 52px;
  border-radius: var(--radius-md);
}

.btl-btn-white-ghost:hover {
  background: rgba(255, 255, 255, 0.15);
  border-color: rgba(255, 255, 255, 0.8);
}

.btn-outline-light {
  background: rgba(255, 255, 255, 0.12);
  color: #FFFFFF;
  border: 1.5px solid rgba(255, 255, 255, 0.4);
  border-radius: var(--radius-md);
}

.btn-outline-light:hover {
  background: rgba(255, 255, 255, 0.22);
  border-color: rgba(255, 255, 255, 0.7);
}


/* ==========================================================================
   SECTION 1: HERO (.btl-hero)
   Full-width background image, navy overlay, centred white text
   ========================================================================== */

.btl-hero {
  position: relative;
  min-height: 540px;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  width: 100%;
}

@media (min-width: 768px) {
  .btl-hero {
    min-height: 620px;
  }
}

@media (min-width: 1200px) {
  .btl-hero {
    min-height: 680px;
  }
}

.btl-hero-bg {
  position: absolute;
  inset: 0;
}

.btl-hero-bg-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 40%;
}

.btl-hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    170deg,
    rgba(30, 42, 74, 0.84) 0%,
    rgba(30, 42, 74, 0.68) 45%,
    rgba(30, 42, 74, 0.86) 100%
  );
}

.btl-hero-content {
  position: relative;
  z-index: 2;
  max-width: 800px;
  margin: 0 auto;
  padding: var(--space-10) var(--space-6);
  text-align: center;
  box-sizing: border-box;
  width: 100%;
}

@media (min-width: 480px) {
  .btl-hero-content {
    padding: var(--space-12) var(--space-8);
  }
}

@media (min-width: 768px) {
  .btl-hero-content {
    padding: var(--space-16) var(--space-8);
  }
}

.btl-hero-eyebrow {
  display: inline-block;
  font-family: var(--font-body);
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: var(--space-4);
}

.btl-hero-headline {
  font-family: var(--font-display);
  font-size: clamp(1.7rem, 1.1rem + 2.4vw, 2.9rem);
  font-weight: 700;
  color: #FFFFFF;
  line-height: 1.12;
  margin-bottom: var(--space-5);
  text-wrap: balance;
}

.btl-hero-headline em {
  font-style: normal;
  color: #FFB380;
}

.btl-hero-subhead {
  font-family: var(--font-body);
  font-size: var(--text-sm);
  font-weight: 400;
  color: rgba(255, 255, 255, 0.88);
  line-height: 1.65;
  margin-bottom: var(--space-8);
  max-width: 62ch;
  margin-left: auto;
  margin-right: auto;
  word-wrap: break-word;
  overflow-wrap: break-word;
}

@media (min-width: 480px) {
  .btl-hero-subhead {
    font-size: var(--text-base);
  }
}

.btl-hero-actions {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  align-items: center;
  margin-bottom: var(--space-5);
}

.btl-hero-actions .btn {
  width: 100%;
  max-width: 420px;
  font-size: var(--text-sm);
  text-align: center;
  justify-content: center;
}

@media (min-width: 640px) {
  .btl-hero-actions {
    flex-direction: row;
    flex-wrap: wrap;
    gap: var(--space-4);
    justify-content: center;
  }
  .btl-hero-actions .btn {
    width: auto;
    max-width: none;
    font-size: var(--text-base);
  }
}

.btl-hero-trust {
  font-size: var(--text-xs);
  color: rgba(255, 255, 255, 0.58);
  max-width: 54ch;
  margin: 0 auto;
  line-height: 1.5;
}


/* ==========================================================================
   SECTION 2: WHAT IS A BTL MORTGAGE (.btl-explainer)
   White bg, two-column: text left, comparison graphic right
   ========================================================================== */

.btl-explainer {
  background: var(--color-bg);
}

.btl-two-col {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-10);
  align-items: center;
}

@media (min-width: 900px) {
  .btl-two-col {
    grid-template-columns: 1fr 1fr;
    gap: var(--space-12);
  }
}

@media (min-width: 900px) {
  .btl-two-col--img-right .btl-two-col-visual {
    order: 1;
  }
}

.btl-explainer-text .btl-section-title {
  text-align: left;
}

.btl-explainer-text .btl-section-intro {
  text-align: left;
  margin-left: 0;
  margin-right: 0;
}

/* Comparison graphic */
.btl-comparison-graphic {
  background: var(--color-bg-alt);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-8) var(--space-6);
  display: flex;
  flex-direction: column;
  gap: var(--space-6);
}

.btl-comparison-item {
  display: flex;
  align-items: center;
  gap: var(--space-4);
}

.btl-comparison-icon {
  width: 64px;
  height: 64px;
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.btl-comparison-icon--residential {
  background: rgba(30, 42, 74, 0.08);
  border: 2px solid rgba(30, 42, 74, 0.2);
}

.btl-comparison-icon--btl {
  background: rgba(230, 81, 0, 0.08);
  border: 2px solid rgba(230, 81, 0, 0.25);
}

.btl-comparison-icon svg {
  width: 32px;
  height: 32px;
}

.btl-comparison-icon--residential svg {
  color: var(--color-navy);
}

.btl-comparison-icon--btl svg {
  color: var(--color-primary);
}

.btl-comparison-label {
  display: flex;
  flex-direction: column;
  gap: var(--space-1);
}

.btl-comparison-label strong {
  font-family: var(--font-display);
  font-size: var(--text-base);
  font-weight: 700;
  color: var(--color-navy);
  line-height: 1.25;
}

.btl-comparison-label span {
  font-family: var(--font-body);
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.5;
}

.btl-comparison-vs {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-3);
}

.btl-comparison-vs-line {
  flex: 1;
  height: 1px;
  background: var(--color-border);
}

.btl-comparison-vs-text {
  font-family: var(--font-body);
  font-size: var(--text-xs);
  font-weight: 600;
  color: var(--color-text-faint);
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

@media (min-width: 900px) {
  .btl-explainer .container {
    max-width: var(--content-wide);
  }
}


/* ==========================================================================
   SECTION 3: WHO WE CAN HELP (.btl-audience)
   Alt bg, 5 audience cards in responsive grid
   ========================================================================== */

.btl-audience {
  background: var(--color-bg-alt);
}

.btl-audience-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
}

@media (min-width: 640px) {
  .btl-audience-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 900px) {
  .btl-audience-grid {
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-8);
  }
}

.btl-audience-card {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-8) var(--space-6);
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
  transition: box-shadow var(--transition-interactive), border-color var(--transition-interactive);
}

.btl-audience-card:hover {
  box-shadow: var(--shadow-md);
  border-color: rgba(230, 81, 0, 0.2);
}

.btl-audience-card-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-full);
  background: var(--color-primary-light);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.btl-audience-card-icon svg {
  width: 26px;
  height: 26px;
  color: var(--color-primary);
}

.btl-audience-card h3 {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 700;
  color: var(--color-navy);
  line-height: 1.25;
  margin: 0;
}

.btl-audience-card p {
  font-family: var(--font-body);
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.6;
  margin: 0;
  flex: 1;
}


/* ==========================================================================
   SECTION 4: DEPOSITS & LTV (.btl-ltv)
   White bg, body text + LTV ladder visual
   ========================================================================== */

.btl-ltv {
  background: var(--color-bg);
}

.btl-ltv-layout {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-10);
  align-items: start;
}

@media (min-width: 900px) {
  .btl-ltv-layout {
    grid-template-columns: 1fr 1fr;
    gap: var(--space-12);
  }
}

.btl-ltv-text .btl-section-title {
  text-align: left;
}

.btl-ltv-text .btl-section-intro {
  text-align: left;
  margin-left: 0;
  margin-right: 0;
}

/* LTV Ladder */
.btl-ltv-ladder {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}

.btl-ltv-rung {
  display: flex;
  align-items: stretch;
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--color-border);
  background: var(--color-bg);
  transition: box-shadow var(--transition-interactive);
}

.btl-ltv-rung:hover {
  box-shadow: var(--shadow-md);
}

.btl-ltv-rung-bar {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: var(--space-4) var(--space-5);
  min-width: 90px;
  font-family: var(--font-display);
  font-size: var(--text-base);
  font-weight: 700;
  color: #FFFFFF;
}

.btl-ltv-rung-info {
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: var(--space-4) var(--space-5);
  flex: 1;
}

.btl-ltv-rung-info strong {
  font-family: var(--font-display);
  font-size: var(--text-sm);
  font-weight: 700;
  color: var(--color-navy);
  line-height: 1.3;
}

.btl-ltv-rung-info span {
  font-family: var(--font-body);
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  line-height: 1.5;
  margin-top: var(--space-1);
}

/* Colour variants for the LTV ladder */
.btl-ltv-rung--80 .btl-ltv-rung-bar { background: #B45309; }
.btl-ltv-rung--75 .btl-ltv-rung-bar { background: var(--color-primary); }
.btl-ltv-rung--70 .btl-ltv-rung-bar { background: #0D7A6E; }
.btl-ltv-rung--65 .btl-ltv-rung-bar { background: var(--color-navy); }

/* LTV example boxes */
.btl-ltv-examples {
  margin-top: var(--space-8);
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-4);
}

@media (min-width: 480px) {
  .btl-ltv-examples {
    grid-template-columns: 1fr 1fr;
  }
}

.btl-ltv-example {
  background: var(--color-bg-alt);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-5);
}

.btl-ltv-example-title {
  font-family: var(--font-display);
  font-size: var(--text-sm);
  font-weight: 700;
  color: var(--color-navy);
  margin-bottom: var(--space-3);
}

.btl-ltv-example dl {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}

.btl-ltv-example dl div {
  display: flex;
  justify-content: space-between;
  font-family: var(--font-body);
  font-size: var(--text-xs);
  line-height: 1.5;
}

.btl-ltv-example dt {
  color: var(--color-text-muted);
}

.btl-ltv-example dd {
  font-weight: 600;
  color: var(--color-navy);
  margin: 0;
}

.btl-ltv-closing {
  font-family: var(--font-body);
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.6;
  margin-top: var(--space-6);
  text-align: center;
  max-width: 64ch;
  margin-left: auto;
  margin-right: auto;
}


/* ==========================================================================
   SECTION 5: HOW AFFORDABILITY WORKS (.btl-affordability)
   Alt bg, body text + rental stress test explainer
   ========================================================================== */

.btl-affordability {
  background: var(--color-bg-alt);
}

.btl-affordability-layout {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-10);
  align-items: start;
}

@media (min-width: 900px) {
  .btl-affordability-layout {
    grid-template-columns: 1fr 1fr;
    gap: var(--space-12);
  }
}

.btl-affordability-text .btl-section-title {
  text-align: left;
}

.btl-affordability-text .btl-section-intro {
  text-align: left;
  margin-left: 0;
  margin-right: 0;
}

/* Stress test explainer panel */
.btl-stress-test {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  box-shadow: var(--shadow-sm);
}

.btl-stress-test-title {
  font-family: var(--font-display);
  font-size: var(--text-base);
  font-weight: 700;
  color: var(--color-navy);
  margin-bottom: var(--space-5);
  text-align: center;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-3);
}

.btl-stress-test-title svg {
  width: 24px;
  height: 24px;
  color: var(--color-primary);
}

.btl-stress-test-steps {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}

.btl-stress-test-step {
  display: flex;
  align-items: flex-start;
  gap: var(--space-4);
  padding: var(--space-4);
  background: var(--color-bg-alt);
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border);
}

.btl-stress-test-step-num {
  width: 36px;
  height: 36px;
  border-radius: var(--radius-full);
  background: var(--color-navy);
  color: #FFFFFF;
  font-family: var(--font-display);
  font-size: var(--text-sm);
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.btl-stress-test-step-content {
  flex: 1;
}

.btl-stress-test-step-content strong {
  display: block;
  font-family: var(--font-display);
  font-size: var(--text-sm);
  font-weight: 700;
  color: var(--color-navy);
  margin-bottom: var(--space-1);
  line-height: 1.3;
}

.btl-stress-test-step-content span {
  font-family: var(--font-body);
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  line-height: 1.55;
}

.btl-stress-test-result {
  margin-top: var(--space-4);
  background: rgba(230, 81, 0, 0.06);
  border: 1px solid rgba(230, 81, 0, 0.15);
  border-radius: var(--radius-md);
  padding: var(--space-4) var(--space-5);
  text-align: center;
}

.btl-stress-test-result strong {
  display: block;
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: var(--space-1);
}

.btl-stress-test-result span {
  font-family: var(--font-body);
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  line-height: 1.5;
}


/* ==========================================================================
   SECTION 6: TYPES OF BTL BORROWER (.btl-types)
   White bg, 4 content blocks with coloured left borders
   ========================================================================== */

.btl-types {
  background: var(--color-bg);
}

.btl-types-stack {
  display: flex;
  flex-direction: column;
  gap: var(--space-6);
  max-width: 820px;
  margin: 0 auto;
}

.btl-type-block {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-left-width: 5px;
  border-radius: var(--radius-lg);
  padding: var(--space-6) var(--space-6);
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  transition: box-shadow var(--transition-interactive), border-color var(--transition-interactive);
}

.btl-type-block:hover {
  box-shadow: var(--shadow-md);
}

/* Colour variants for type blocks */
.btl-type-block--first     { border-left-color: var(--color-primary); }
.btl-type-block--portfolio  { border-left-color: var(--color-navy); }
.btl-type-block--accidental { border-left-color: #0D9488; }
.btl-type-block--limited    { border-left-color: #7C3AED; }

.btl-type-block-header {
  display: flex;
  align-items: center;
  gap: var(--space-3);
}

.btl-type-block-badge {
  display: inline-block;
  font-size: var(--text-xs);
  font-weight: 600;
  border-radius: var(--radius-full);
  padding: 0.2em 0.8em;
  letter-spacing: 0.02em;
  white-space: nowrap;
  flex-shrink: 0;
}

.btl-type-block--first .btl-type-block-badge {
  background: rgba(230, 81, 0, 0.1);
  color: #C44400;
}

.btl-type-block--portfolio .btl-type-block-badge {
  background: rgba(30, 42, 74, 0.08);
  color: var(--color-navy);
}

.btl-type-block--accidental .btl-type-block-badge {
  background: rgba(13, 148, 136, 0.1);
  color: #0D7A6E;
}

.btl-type-block--limited .btl-type-block-badge {
  background: rgba(124, 58, 237, 0.08);
  color: #6D28D9;
}

.btl-type-block h3 {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 700;
  color: var(--color-navy);
  line-height: 1.25;
  margin: 0;
}

.btl-type-block p {
  font-family: var(--font-body);
  font-size: var(--text-base);
  color: var(--color-text-muted);
  line-height: 1.65;
  margin: 0;
}

.btl-type-note {
  font-family: var(--font-body);
  font-size: var(--text-xs);
  color: var(--color-text-faint);
  font-style: italic;
  line-height: 1.55;
  margin-top: var(--space-2);
}


/* ==========================================================================
   SECTION 7: COMMON BTL SITUATIONS (.btl-scenarios)
   Alt bg, scenario cards in a 2x2 grid
   ========================================================================== */

.btl-scenarios {
  background: var(--color-bg-alt);
}

.btl-scenarios-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
  max-width: 900px;
  margin: 0 auto;
}

@media (min-width: 640px) {
  .btl-scenarios-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

.btl-scenario-card {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  transition: box-shadow var(--transition-interactive), border-color var(--transition-interactive);
}

.btl-scenario-card:hover {
  box-shadow: var(--shadow-md);
  border-color: rgba(230, 81, 0, 0.2);
}

.btl-scenario-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: var(--radius-full);
  background: var(--color-primary);
  color: #FFFFFF;
  font-family: var(--font-display);
  font-size: var(--text-sm);
  font-weight: 700;
  flex-shrink: 0;
}

.btl-scenario-card h3 {
  font-family: var(--font-display);
  font-size: var(--text-base);
  font-weight: 700;
  color: var(--color-navy);
  line-height: 1.3;
  margin: 0;
}

.btl-scenario-card p {
  font-family: var(--font-body);
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.6;
  margin: 0;
  flex: 1;
}


/* ==========================================================================
   SECTION 8: RATES & STRESS TESTING (.btl-rates)
   White bg, body text + pros/cons panel
   ========================================================================== */

.btl-rates {
  background: var(--color-bg);
}

.btl-rates-intro {
  font-family: var(--font-body);
  font-size: var(--text-base);
  color: var(--color-text-muted);
  max-width: 68ch;
  margin: 0 auto var(--space-10);
  text-align: center;
  line-height: 1.65;
}

.btl-rates-panels {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
  max-width: 820px;
  margin: 0 auto;
}

@media (min-width: 768px) {
  .btl-rates-panels {
    grid-template-columns: 1fr 1fr;
    gap: var(--space-8);
  }
}

.btl-rates-panel {
  border: 1px solid var(--color-border);
  border-left-width: 5px;
  border-radius: var(--radius-lg);
  padding: var(--space-6) var(--space-6);
  background: var(--color-bg-alt);
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}

.btl-rates-panel--pros {
  border-left-color: #16A34A;
  background: rgba(22, 163, 74, 0.04);
}

.btl-rates-panel--cons {
  border-left-color: #F59E0B;
  background: rgba(245, 158, 11, 0.04);
}

.btl-rates-panel-heading {
  font-family: var(--font-display);
  font-size: var(--text-base);
  font-weight: 700;
  line-height: 1.3;
  margin: 0;
  display: flex;
  align-items: center;
  gap: var(--space-3);
}

.btl-rates-panel--pros .btl-rates-panel-heading {
  color: #15803D;
}

.btl-rates-panel--cons .btl-rates-panel-heading {
  color: #B45309;
}

.btl-rates-panel-heading-icon {
  width: 32px;
  height: 32px;
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.btl-rates-panel--pros .btl-rates-panel-heading-icon {
  background: rgba(22, 163, 74, 0.12);
}

.btl-rates-panel--cons .btl-rates-panel-heading-icon {
  background: rgba(245, 158, 11, 0.12);
}

.btl-rates-panel--pros .btl-rates-panel-heading-icon svg {
  width: 17px;
  height: 17px;
  color: #16A34A;
}

.btl-rates-panel--cons .btl-rates-panel-heading-icon svg {
  width: 17px;
  height: 17px;
  color: #D97706;
}

.btl-rates-panel-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.btl-rates-panel-list li {
  font-family: var(--font-body);
  font-size: var(--text-base);
  color: var(--color-text);
  line-height: 1.6;
  display: flex;
  align-items: flex-start;
  gap: var(--space-3);
}

.btl-rates-panel-list li::before {
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 0.1em;
  font-size: 1.1em;
}

.btl-rates-panel--pros .btl-rates-panel-list li::before {
  content: '\2713';
  color: #16A34A;
}

.btl-rates-panel--cons .btl-rates-panel-list li::before {
  content: '\2013';
  color: #D97706;
}


/* ==========================================================================
   SECTION 9: WHY ADVICE MATTERS (.btl-advice)
   Navy background, white text, centred
   ========================================================================== */

.btl-advice {
  background: var(--color-navy);
  padding: var(--space-16) 0;
  text-align: center;
}

@media (min-width: 768px) {
  .btl-advice {
    padding: var(--space-20) 0;
  }
}

.btl-advice .btl-section-title {
  color: #FFFFFF;
}

.btl-advice .btl-section-intro {
  color: rgba(255, 255, 255, 0.78);
}

.btl-advice-body {
  font-family: var(--font-body);
  font-size: var(--text-base);
  color: rgba(255, 255, 255, 0.82);
  line-height: 1.7;
  max-width: 68ch;
  margin: 0 auto var(--space-10);
}

.btl-advice-body p + p {
  margin-top: var(--space-4);
}

.btl-advice-points {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-5);
  max-width: 820px;
  margin: 0 auto;
}

@media (min-width: 540px) {
  .btl-advice-points {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 900px) {
  .btl-advice-points {
    grid-template-columns: repeat(3, 1fr);
  }
}

.btl-advice-point {
  background: rgba(255, 255, 255, 0.07);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius-lg);
  padding: var(--space-5) var(--space-5);
  display: flex;
  align-items: flex-start;
  gap: var(--space-4);
  transition: background var(--transition-interactive), border-color var(--transition-interactive);
}

.btl-advice-point:hover {
  background: rgba(255, 255, 255, 0.12);
  border-color: rgba(255, 255, 255, 0.22);
}

.btl-advice-point-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-full);
  background: rgba(230, 81, 0, 0.2);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.btl-advice-point-icon svg {
  width: 22px;
  height: 22px;
  color: #FFB380;
}

.btl-advice-point-text {
  display: flex;
  flex-direction: column;
  gap: var(--space-1);
}

.btl-advice-point-text strong {
  font-family: var(--font-display);
  font-size: var(--text-base);
  font-weight: 700;
  color: #FFFFFF;
  line-height: 1.25;
}

.btl-advice-point-text span {
  font-family: var(--font-body);
  font-size: var(--text-xs);
  color: rgba(255, 255, 255, 0.62);
  line-height: 1.5;
}


/* ==========================================================================
   SECTION 10: FINAL CTA (.btl-final-cta)
   Orange background, white text, centred
   ========================================================================== */

.btl-final-cta {
  background: var(--color-primary);
  text-align: center;
  padding: var(--space-16) 0;
}

@media (min-width: 768px) {
  .btl-final-cta {
    padding: var(--space-20) 0;
  }
}

.btl-final-cta-eyebrow {
  display: inline-block;
  font-family: var(--font-body);
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.65);
  margin-bottom: var(--space-4);
}

.btl-final-cta h2 {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  font-weight: 700;
  color: #FFFFFF;
  margin-bottom: var(--space-4);
  line-height: 1.15;
  max-width: 52ch;
  margin-left: auto;
  margin-right: auto;
  text-wrap: balance;
}

.btl-final-cta-lead {
  font-family: var(--font-body);
  font-size: var(--text-base);
  color: rgba(255, 255, 255, 0.9);
  max-width: 60ch;
  margin: 0 auto var(--space-8);
  line-height: 1.65;
}

.btl-final-cta-actions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-4);
  justify-content: center;
  margin-bottom: var(--space-5);
}

.btl-final-cta-actions .btn {
  max-width: 100%;
  box-sizing: border-box;
}

.btl-final-cta-actions .btl-btn-white {
  background: #FFFFFF;
  color: var(--color-primary);
}

.btl-final-cta-actions .btl-btn-white:hover {
  background: #F5F5F5;
}

.btl-final-cta-supporting {
  font-family: var(--font-body);
  font-size: var(--text-sm);
  color: rgba(255, 255, 255, 0.68);
  max-width: 52ch;
  margin: 0 auto;
  line-height: 1.5;
}


/* ==========================================================================
   RISK DISCLAIMER (.btl-risk)
   ========================================================================== */

.btl-risk {
  background: var(--color-bg-warm);
  border-top: 1px solid rgba(230, 81, 0, 0.1);
  padding: var(--space-10) 0;
}

.btl-risk-inner {
  max-width: 820px;
  margin: 0 auto;
}

.btl-risk-inner h2,
.btl-risk-heading {
  font-family: var(--font-display);
  font-size: var(--text-sm);
  font-weight: 700;
  color: var(--color-navy);
  margin-bottom: var(--space-3);
  letter-spacing: 0.02em;
  text-transform: uppercase;
}

.btl-risk-inner p {
  font-family: var(--font-body);
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  line-height: 1.75;
  max-width: 100%;
}

.btl-risk-inner p + p {
  margin-top: var(--space-3);
}


/* ==========================================================================
   SECTION IMAGE
   ========================================================================== */

.btl-section-img-wrap {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}

.btl-section-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 35%;
  display: block;
  aspect-ratio: 16 / 10;
}

@media (min-width: 900px) {
  .btl-section-img {
    aspect-ratio: auto;
    min-height: 400px;
  }
}


/* ==========================================================================
   FOOTER MARGIN OVERRIDE
   ========================================================================== */

body:has(.btl-final-cta) .site-footer {
  margin-top: 0;
}


/* ==========================================================================
   RESPONSIVE REFINEMENTS
   ========================================================================== */

@media (min-width: 640px) and (max-width: 899px) {
  .btl-type-block {
    padding: var(--space-7) var(--space-7);
  }
}

@media (min-width: 1200px) {
  .btl-audience-grid {
    gap: var(--space-10);
  }

  .btl-rates-panels {
    gap: var(--space-10);
  }

  .btl-scenarios-grid {
    gap: var(--space-8);
  }
}