/* ==========================================================================
   RHER LIFETIME MORTGAGES PAGE
   Warm, trustworthy, highly readable — designed for older UK audiences
   Mobile-first responsive design. All classes prefixed `ltm-`.
   ========================================================================== */


/* Draft Notice */
.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
   ========================================================================== */

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

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

.ltm-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;
}

.ltm-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;
}

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

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


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

/* Large button padding override */
.btn-lg {
  padding: var(--space-4) var(--space-8);
  font-size: var(--text-base);
  min-height: 52px;
}

/* White-background button (for use on coloured section backgrounds) */
.ltm-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);
}

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

/* Ghost button (transparent, white border — for dark/coloured backgrounds) */
.ltm-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);
}

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

/* Light outline button — for hero secondary CTA */
.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
   Full-width background image, navy overlay, centred white text, two CTAs
   ========================================================================== */

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

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

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

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

/* Warm-tinted navy overlay: slightly warmer than pure navy for the LTM page */
.ltm-hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    170deg,
    rgba(30, 42, 74, 0.80) 0%,
    rgba(30, 42, 74, 0.65) 45%,
    rgba(30, 42, 74, 0.82) 100%
  );
}

.ltm-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) {
  .ltm-hero-content {
    padding: var(--space-12) var(--space-8);
  }
}

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

.ltm-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);
}

.ltm-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;
}

/* Subtle primary-colour highlight for key phrase */
.ltm-hero-headline em {
  font-style: normal;
  color: #FFB380; /* warm tint that bridges primary and white on dark bg */
}

.ltm-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) {
  .ltm-hero-subhead {
    font-size: var(--text-base);
  }
}

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

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

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

.ltm-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 LIFETIME MORTGAGE (.ltm-explainer)
   White bg, two-column: text left, step-diagram right
   ========================================================================== */

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

/* Two-column layout reused by explainer and uses sections */
.ltm-two-col {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-10);
  align-items: center;
}

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

/* On desktop, image/diagram column can be ordered first */
@media (min-width: 900px) {
  .ltm-two-col--img-right .ltm-two-col-visual {
    order: 1; /* text naturally at 0, visual at 1 = right */
  }
}

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

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

/* ---- Step Diagram (4-step horizontal flow) ---- */

.ltm-diagram {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  align-items: stretch;
}

@media (min-width: 480px) {
  .ltm-diagram {
    flex-direction: row;
    align-items: flex-start;
    justify-content: center;
    gap: 0;
  }
}

/* Individual step */
.ltm-diagram-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  flex: 1;
  position: relative;
}

/* Arrow connector between steps — displayed only in row layout */
.ltm-diagram-step + .ltm-diagram-step::before {
  content: '';
  display: none;
}

@media (min-width: 480px) {
  /* Horizontal arrow between steps */
  .ltm-diagram-step + .ltm-diagram-step::before {
    content: '';
    display: block;
    position: absolute;
    left: -1px;
    top: 28px; /* aligns with icon circle centre */
    width: 2px;
    height: 28px;
    background: transparent;
  }
}

/* Arrow: use a pseudo on the connector wrapper instead */
.ltm-diagram-arrow {
  display: none;
  flex-shrink: 0;
  align-items: center;
  justify-content: center;
  padding-top: 20px; /* align with icon centre */
  color: var(--color-primary);
  opacity: 0.45;
}

@media (min-width: 480px) {
  .ltm-diagram-arrow {
    display: flex;
  }
}

.ltm-diagram-arrow svg {
  width: 20px;
  height: 20px;
}

/* Vertical arrow on mobile */
.ltm-diagram-arrow--vertical {
  display: flex;
  align-items: center;
  justify-content: center;
  margin: var(--space-1) 0;
  color: var(--color-primary);
  opacity: 0.45;
  transform: rotate(90deg);
}

@media (min-width: 480px) {
  .ltm-diagram-arrow--vertical {
    display: none;
  }
}

.ltm-diagram-icon {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-full);
  background: var(--color-primary-light);
  border: 2px solid rgba(230, 81, 0, 0.18);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-3);
  flex-shrink: 0;
}

.ltm-diagram-icon svg {
  width: 26px;
  height: 26px;
  color: var(--color-primary);
}

.ltm-diagram-label {
  font-family: var(--font-display);
  font-size: var(--text-xs);
  font-weight: 700;
  color: var(--color-navy);
  line-height: 1.3;
  max-width: 10ch;
  margin: 0 auto;
}

.ltm-diagram-sub {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  line-height: 1.4;
  max-width: 12ch;
  margin: var(--space-1) auto 0;
}


/* ==========================================================================
   SECTION 3: KEY FEATURES (.ltm-features)
   Alt bg, 4 feature cards in a 2×2 grid (1 col mobile)
   ========================================================================== */

.ltm-features {
  background: var(--color-bg-alt);
}

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

@media (min-width: 600px) {
  .ltm-features-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: var(--space-6);
  }
}

@media (min-width: 1024px) {
  .ltm-features-grid {
    gap: var(--space-8);
  }
}

.ltm-feature-card {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  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);
}

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

.ltm-feature-icon {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-full);
  background: var(--color-primary-light);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.ltm-feature-icon svg {
  width: 28px;
  height: 28px;
  color: var(--color-primary);
}

.ltm-feature-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;
}

.ltm-feature-card p {
  font-family: var(--font-body);
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.65;
  margin: 0;
}


/* ==========================================================================
   SECTION 4: WHY CONSIDER A LIFETIME MORTGAGE (.ltm-reasons)
   White bg, intro text, 2×4 grid of icon+text reason items, lifestyle image below
   ========================================================================== */

.ltm-reasons {
  background: var(--color-bg);
}

.ltm-reasons-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-4);
  margin-bottom: var(--space-12);
}

@media (min-width: 640px) {
  .ltm-reasons-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: var(--space-5);
  }
}

@media (min-width: 1024px) {
  .ltm-reasons-grid {
    gap: var(--space-6);
  }
}

.ltm-reason-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-4);
  background: var(--color-bg-alt);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-5) var(--space-5);
  transition: border-color var(--transition-interactive);
}

.ltm-reason-item:hover {
  border-color: rgba(230, 81, 0, 0.2);
}

.ltm-reason-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-full);
  background: var(--color-primary-light);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.ltm-reason-icon svg {
  width: 22px;
  height: 22px;
  color: var(--color-primary);
}

.ltm-reason-body {
  display: flex;
  flex-direction: column;
  gap: var(--space-1);
}

.ltm-reason-body strong {
  font-family: var(--font-display);
  font-size: var(--text-sm);
  font-weight: 700;
  color: var(--color-navy);
  line-height: 1.3;
}

.ltm-reason-body span {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  line-height: 1.5;
}

/* Lifestyle image beneath the reasons grid */
.ltm-reasons-image-wrap {
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  max-height: 420px;
}

.ltm-reasons-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 30%;
  display: block;
  aspect-ratio: 16 / 7;
}

@media (min-width: 768px) {
  .ltm-reasons-img {
    aspect-ratio: 21 / 7;
  }
}


/* ==========================================================================
   SECTION 5: THE PROCESS (.ltm-process)
   Alt bg, vertical timeline with 6 steps. Alternating left/right on desktop.
   ========================================================================== */

.ltm-process {
  background: var(--color-bg-alt);
}

/* ---- Timeline Container ---- */

.ltm-timeline {
  position: relative;
  max-width: 860px;
  margin: 0 auto;
}

/* Vertical line running the full height of the timeline */
.ltm-timeline::before {
  content: '';
  position: absolute;
  /* Mobile: line on left edge, offset to sit behind circle centres */
  left: 24px;
  top: 0;
  bottom: 0;
  width: 2px;
  background: linear-gradient(
    to bottom,
    transparent 0%,
    rgba(230, 81, 0, 0.25) 8%,
    rgba(230, 81, 0, 0.25) 92%,
    transparent 100%
  );
  border-radius: 1px;
}

@media (min-width: 900px) {
  .ltm-timeline::before {
    /* Desktop: centred line */
    left: 50%;
    transform: translateX(-50%);
  }
}

/* ---- Individual Step ---- */

.ltm-timeline-step {
  position: relative;
  display: grid;
  /* Mobile: single column, indented past the line */
  grid-template-columns: 1fr;
  padding-left: 72px; /* room for the number circle + line */
  margin-bottom: var(--space-10);
}

.ltm-timeline-step:last-child {
  margin-bottom: 0;
}

@media (min-width: 900px) {
  .ltm-timeline-step {
    /* Desktop: three columns [content | circle | content] */
    grid-template-columns: 1fr 64px 1fr;
    padding-left: 0;
    gap: 0;
    align-items: flex-start;
    margin-bottom: var(--space-12);
  }
}

/* ---- Number Circle ---- */

.ltm-step-circle {
  position: absolute;
  left: 0;
  top: 0;
  /* Mobile positioning: absolute, aligned with left line */
  width: 48px;
  height: 48px;
  border-radius: var(--radius-full);
  background: var(--color-primary);
  color: #FFFFFF;
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 0 0 4px var(--color-bg-alt), 0 0 0 6px rgba(230, 81, 0, 0.2);
  z-index: 2;
  line-height: 1;
}

@media (min-width: 900px) {
  .ltm-step-circle {
    /* Desktop: switch from absolute to grid-placed middle column */
    position: static;
    width: 52px;
    height: 52px;
    margin: 0 auto; /* centre within the middle column */
    font-size: var(--text-lg);
  }
}

/* ---- Step Content ---- */

.ltm-step-content {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  padding: var(--space-6) var(--space-6);
  box-shadow: var(--shadow-sm);
}

@media (min-width: 900px) {
  /* Odd steps (1, 3, 5): content in left column, right column empty */
  .ltm-timeline-step:nth-child(odd) .ltm-step-content {
    grid-column: 1;
    margin-right: var(--space-6);
  }

  .ltm-timeline-step:nth-child(odd) .ltm-step-circle {
    grid-column: 2;
  }

  /* Odd step: empty right column spacer handled by grid, no extra element needed */

  /* Even steps (2, 4, 6): left column empty, content in right column */
  .ltm-timeline-step:nth-child(even) .ltm-step-content {
    grid-column: 3;
    margin-left: var(--space-6);
  }

  .ltm-timeline-step:nth-child(even) .ltm-step-circle {
    grid-column: 2;
  }
}

/* Step heading and body text */
.ltm-step-content h3 {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 700;
  color: var(--color-navy);
  margin-bottom: var(--space-3);
  line-height: 1.25;
}

.ltm-step-content p {
  font-family: var(--font-body);
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.65;
  margin: 0;
}


/* ==========================================================================
   SECTION 6: TYPES OF LIFETIME MORTGAGE (.ltm-types)
   White bg, 4 cards in a row (2×2 tablet, 1 col mobile)
   Each card has a coloured top accent border
   ========================================================================== */

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

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

@media (min-width: 600px) {
  .ltm-types-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: var(--space-6);
  }
}

@media (min-width: 1100px) {
  .ltm-types-grid {
    grid-template-columns: repeat(4, 1fr);
    gap: var(--space-6);
  }
}

.ltm-type-card {
  background: var(--color-bg-alt);
  border: 1px solid var(--color-border);
  border-top-width: 4px; /* The coloured accent top border */
  border-radius: var(--radius-xl);
  padding: var(--space-6) var(--space-6);
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  transition: box-shadow var(--transition-interactive);
}

.ltm-type-card:hover {
  box-shadow: var(--shadow-md);
}

/* Per-card accent colours — four options cycling through brand palette */
.ltm-type-card:nth-child(1) { border-top-color: var(--color-primary); }
.ltm-type-card:nth-child(2) { border-top-color: var(--color-navy); }
.ltm-type-card:nth-child(3) { border-top-color: #C8511B; } /* darker primary variant */
.ltm-type-card:nth-child(4) { border-top-color: var(--color-navy-light); }

/* Allow explicit class-based overrides */
.ltm-type-card--primary  { border-top-color: var(--color-primary) !important; }
.ltm-type-card--navy     { border-top-color: var(--color-navy) !important; }
.ltm-type-card--copper   { border-top-color: #C8511B !important; }
.ltm-type-card--slate    { border-top-color: var(--color-navy-light) !important; }

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

.ltm-type-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;
}

.ltm-type-tag {
  display: inline-block;
  font-size: var(--text-xs);
  font-weight: 600;
  color: var(--color-primary);
  background: var(--color-primary-light);
  border-radius: var(--radius-full);
  padding: 0.2em 0.75em;
  letter-spacing: 0.02em;
  align-self: flex-start;
}


/* ==========================================================================
   SECTION 7: HOW PEOPLE USE THE FUNDS (.ltm-uses)
   Alt bg, two-column: image left, 8-item checklist right
   ========================================================================== */

.ltm-uses {
  background: var(--color-bg-alt);
}

.ltm-uses-img-wrap {
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}

.ltm-uses-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 25%;
  display: block;
  aspect-ratio: 4 / 5;
}

@media (min-width: 900px) {
  .ltm-uses-img {
    aspect-ratio: auto;
    min-height: 420px;
  }
}

.ltm-uses-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}

.ltm-uses-list li {
  display: flex;
  align-items: flex-start;
  gap: var(--space-4);
  font-family: var(--font-body);
  font-size: var(--text-base);
  color: var(--color-text);
  line-height: 1.55;
}

/* Check icon circle */
.ltm-check-icon {
  width: 28px;
  height: 28px;
  border-radius: var(--radius-full);
  background: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}

.ltm-check-icon svg {
  width: 15px;
  height: 15px;
  color: #FFFFFF;
}


/* ==========================================================================
   SECTION 8: IMPORTANT CONSIDERATIONS (.ltm-considerations)
   Warm bg, body text then warning-style bullet list with amber icons
   ========================================================================== */

.ltm-considerations {
  background: var(--color-bg-warm);
  border-top: 1px solid rgba(230, 81, 0, 0.12);
  border-bottom: 1px solid rgba(230, 81, 0, 0.12);
}

.ltm-considerations .ltm-section-title {
  color: var(--color-navy);
}

.ltm-considerations-intro {
  font-family: var(--font-body);
  font-size: var(--text-base);
  color: var(--color-text-muted);
  max-width: 68ch;
  margin: 0 auto var(--space-8);
  text-align: center;
  line-height: 1.65;
}

.ltm-warning-list {
  list-style: none;
  margin: 0 auto;
  padding: 0;
  max-width: 760px;
  display: flex;
  flex-direction: column;
  gap: var(--space-5);
}

.ltm-warning-item {
  display: flex;
  align-items: flex-start;
  gap: var(--space-4);
  background: rgba(255, 255, 255, 0.7);
  border: 1px solid rgba(230, 81, 0, 0.15);
  border-left: 4px solid #F59E0B; /* amber accent */
  border-radius: var(--radius-lg);
  padding: var(--space-5) var(--space-5);
  backdrop-filter: blur(2px);
}

/* Warning icon wrapper */
.ltm-warning-icon {
  width: 36px;
  height: 36px;
  border-radius: var(--radius-full);
  background: rgba(245, 158, 11, 0.12); /* amber tint */
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.ltm-warning-icon svg {
  width: 20px;
  height: 20px;
  color: #B45309; /* amber-700 */
}

.ltm-warning-body {
  flex: 1;
}

.ltm-warning-body 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;
}

.ltm-warning-body span {
  font-family: var(--font-body);
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.6;
}


/* ==========================================================================
   SECTION 9: WHY CHOOSE RHER (.ltm-whychoose)
   Full-width navy bg, white text, body copy, 5 proof-point badges
   ========================================================================== */

.ltm-whychoose {
  background: var(--color-navy);
  padding: var(--space-16) 0;
}

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

.ltm-whychoose .ltm-section-title {
  color: #FFFFFF;
}

.ltm-whychoose .ltm-section-intro {
  color: rgba(255, 255, 255, 0.78);
}

.ltm-whychoose-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-12);
  text-align: center;
}

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

/* Five proof-point badge strip */
.ltm-proofs {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-5);
  max-width: 900px;
  margin: 0 auto;
}

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

@media (min-width: 900px) {
  .ltm-proofs {
    /* 5 items: 3 on first row, 2 centred on second — use auto-fit fallback */
    grid-template-columns: repeat(3, 1fr);
  }

  /* Push the last two badges to centre on the 3-col grid */
  .ltm-proof-badge:nth-child(4) {
    grid-column: 1;
    justify-self: end;
    max-width: 280px;
    width: 100%;
  }

  .ltm-proof-badge:nth-child(5) {
    grid-column: 2;
    justify-self: start;
    max-width: 280px;
    width: 100%;
  }
}

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

.ltm-proof-badge:hover {
  background: rgba(255, 255, 255, 0.12);
  border-color: rgba(255, 255, 255, 0.22);
}

.ltm-proof-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-full);
  background: rgba(230, 81, 0, 0.2);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.ltm-proof-icon svg {
  width: 24px;
  height: 24px;
  color: #FFB380; /* warm orange that reads on navy */
}

.ltm-proof-text {
  display: flex;
  flex-direction: column;
  gap: var(--space-1);
}

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

.ltm-proof-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 (.ltm-final-cta)
   Primary orange bg, white text, two CTA buttons, supporting text
   ========================================================================== */

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

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

.ltm-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);
}

.ltm-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;
}

.ltm-final-cta > .container > p:first-of-type,
.ltm-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;
}

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

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

.ltm-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;
}


/* ==========================================================================
   SECTION 11: RISK DISCLAIMER (.ltm-risk)
   Warm bg, small regulatory text
   ========================================================================== */

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

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

.ltm-risk-inner h2,
.ltm-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;
}

.ltm-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%;
}

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


/* ==========================================================================
   SECTION 12: FOOTER MARGIN OVERRIDE
   Remove default footer top margin — the page ends with the CTA strip
   flowing directly into the footer.
   ========================================================================== */

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


/* ==========================================================================
   RESPONSIVE REFINEMENTS
   Fine-tuned adjustments for mid-range viewports
   ========================================================================== */

/* Tablet: step content side padding bump */
@media (min-width: 768px) and (max-width: 899px) {
  .ltm-timeline-step {
    padding-left: 80px;
  }

  .ltm-step-circle {
    width: 52px;
    height: 52px;
  }
}

/* Desktop: constrain explainer section to comfortable reading width */
@media (min-width: 900px) {
  .ltm-explainer .container {
    max-width: var(--content-wide);
  }
}

/* Large screens: add a little extra vertical breathing room */
@media (min-width: 1200px) {
  .ltm-section {
    padding: var(--space-24) 0;
  }

  .ltm-hero {
    min-height: 680px;
  }
}