/* ==========================================================================
   RHER RESIDENTIAL MORTGAGES PAGE
   Warm, practical, consumer-friendly - designed for younger UK buyers & families
   Mobile-first responsive design. All classes prefixed `resi-`.
   ========================================================================== */


/* 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
   ========================================================================== */

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

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

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

.resi-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;
}

.resi-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;
}

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

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


/* ==========================================================================
   BUTTON VARIANTS
   ========================================================================== */

.resi-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);
}

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

.resi-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);
}

.resi-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 (.resi-hero)
   ========================================================================== */

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

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

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

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

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

.resi-hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    170deg,
    rgba(30, 42, 74, 0.82) 0%,
    rgba(30, 42, 74, 0.66) 45%,
    rgba(30, 42, 74, 0.84) 100%
  );
}

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

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

.resi-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);
}

.resi-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;
}

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

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

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

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

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

.resi-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 RESIDENTIAL MORTGAGE (.resi-explainer)
   White bg, two-column: text left, visual right
   ========================================================================== */

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

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

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

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

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

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

/* Deposit equation visual */
.resi-equation {
  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;
  align-items: center;
  gap: var(--space-5);
}

.resi-equation-row {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  flex-wrap: wrap;
  justify-content: center;
}

.resi-equation-block {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-1);
}

.resi-equation-block-value {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 700;
  color: var(--color-navy);
  background: var(--color-bg);
  border: 2px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: var(--space-3) var(--space-5);
  white-space: nowrap;
}

.resi-equation-block-value--orange {
  border-color: rgba(230, 81, 0, 0.4);
  background: rgba(230, 81, 0, 0.06);
  color: #C44400;
}

.resi-equation-block-value--navy {
  border-color: rgba(30, 42, 74, 0.3);
  background: rgba(30, 42, 74, 0.06);
  color: var(--color-navy);
}

.resi-equation-block-value--teal {
  border-color: rgba(13, 148, 136, 0.35);
  background: rgba(13, 148, 136, 0.06);
  color: #0D7A6E;
}

.resi-equation-block-label {
  font-family: var(--font-body);
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  text-align: center;
}

.resi-equation-operator {
  font-family: var(--font-display);
  font-size: var(--text-lg);
  font-weight: 700;
  color: var(--color-grey-light);
}

.resi-equation-note {
  font-family: var(--font-body);
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  text-align: center;
  max-width: 36ch;
  line-height: 1.5;
  margin-top: var(--space-2);
}

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


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

.resi-audiences {
  background: var(--color-bg-alt);
}

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

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

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

.resi-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);
}

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

.resi-audience-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;
}

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

.resi-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;
}

.resi-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 AND LTV (.resi-ltv)
   White bg, body text + LTV ladder visual
   ========================================================================== */

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

.resi-ltv-content {
  max-width: 820px;
  margin: 0 auto;
}

.resi-ltv-body {
  font-family: var(--font-body);
  font-size: var(--text-base);
  color: var(--color-text);
  line-height: 1.7;
  margin-bottom: var(--space-10);
  text-align: center;
  max-width: 64ch;
  margin-left: auto;
  margin-right: auto;
}

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

/* LTV Ladder Visual */
.resi-ltv-ladder {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
  max-width: 640px;
  margin: 0 auto var(--space-10);
}

.resi-ltv-rung {
  display: grid;
  grid-template-columns: 100px 1fr 100px;
  gap: var(--space-3);
  align-items: center;
}

@media (min-width: 480px) {
  .resi-ltv-rung {
    grid-template-columns: 120px 1fr 120px;
    gap: var(--space-4);
  }
}

.resi-ltv-deposit-label {
  font-family: var(--font-display);
  font-size: var(--text-sm);
  font-weight: 700;
  color: var(--color-navy);
  text-align: right;
}

.resi-ltv-bar-wrap {
  position: relative;
  height: 40px;
  background: var(--color-bg-alt);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  overflow: hidden;
}

.resi-ltv-bar-fill {
  position: absolute;
  top: 0;
  left: 0;
  height: 100%;
  border-radius: var(--radius-md);
  transition: width 0.6s ease;
}

.resi-ltv-bar-fill--95 {
  width: 95%;
  background: linear-gradient(90deg, rgba(230, 81, 0, 0.15), rgba(230, 81, 0, 0.3));
}

.resi-ltv-bar-fill--90 {
  width: 90%;
  background: linear-gradient(90deg, rgba(230, 81, 0, 0.12), rgba(230, 81, 0, 0.22));
}

.resi-ltv-bar-fill--85 {
  width: 85%;
  background: linear-gradient(90deg, rgba(13, 148, 136, 0.1), rgba(13, 148, 136, 0.2));
}

.resi-ltv-bar-fill--80 {
  width: 80%;
  background: linear-gradient(90deg, rgba(13, 148, 136, 0.12), rgba(13, 148, 136, 0.25));
}

.resi-ltv-bar-pct {
  position: absolute;
  right: var(--space-3);
  top: 50%;
  transform: translateY(-50%);
  font-family: var(--font-display);
  font-size: var(--text-xs);
  font-weight: 700;
  color: var(--color-navy);
}

.resi-ltv-label {
  font-family: var(--font-body);
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  text-align: left;
}

/* LTV Examples */
.resi-ltv-examples {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-5);
  margin-bottom: var(--space-6);
}

@media (min-width: 640px) {
  .resi-ltv-examples {
    grid-template-columns: 1fr 1fr;
    gap: var(--space-6);
  }
}

.resi-ltv-example {
  background: var(--color-bg-alt);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
}

.resi-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);
}

.resi-ltv-example dl {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: var(--space-1) var(--space-4);
  font-family: var(--font-body);
  font-size: var(--text-sm);
}

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

.resi-ltv-example dd {
  color: var(--color-navy);
  font-weight: 600;
  text-align: right;
}

.resi-ltv-closing {
  font-family: var(--font-body);
  font-size: var(--text-base);
  color: var(--color-text-muted);
  line-height: 1.65;
  text-align: center;
  max-width: 64ch;
  margin: 0 auto;
}


/* ==========================================================================
   SECTION 5: HOW MUCH CAN YOU BORROW (.resi-borrowing)
   Alt bg, income multiple example cards
   ========================================================================== */

.resi-borrowing {
  background: var(--color-bg-alt);
}

.resi-borrowing-body {
  font-family: var(--font-body);
  font-size: var(--text-base);
  color: var(--color-text);
  line-height: 1.7;
  max-width: 68ch;
  margin: 0 auto var(--space-10);
  text-align: center;
}

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

.resi-borrowing-cards {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
  max-width: 820px;
  margin: 0 auto var(--space-8);
}

@media (min-width: 640px) {
  .resi-borrowing-cards {
    grid-template-columns: 1fr 1fr;
  }
}

.resi-borrowing-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-4);
  transition: box-shadow var(--transition-interactive);
}

.resi-borrowing-card:hover {
  box-shadow: var(--shadow-md);
}

.resi-borrowing-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;
}

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

.resi-borrowing-card h3 {
  font-family: var(--font-display);
  font-size: var(--text-base);
  font-weight: 700;
  color: var(--color-navy);
  margin: 0;
}

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

.resi-borrowing-note {
  font-family: var(--font-body);
  font-size: var(--text-sm);
  color: var(--color-text-faint);
  text-align: center;
  max-width: 60ch;
  margin: 0 auto;
  line-height: 1.6;
  font-style: italic;
}


/* ==========================================================================
   SECTION 6: EMPLOYED VS SELF-EMPLOYED (.resi-employment)
   White bg, comparison panel
   ========================================================================== */

.resi-employment {
  background: var(--color-bg);
}

.resi-employment-body {
  font-family: var(--font-body);
  font-size: var(--text-base);
  color: var(--color-text);
  line-height: 1.7;
  max-width: 68ch;
  margin: 0 auto var(--space-10);
}

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

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

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

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

.resi-employment-panel--employed {
  border-left-color: #0D9488;
  background: rgba(13, 148, 136, 0.04);
}

.resi-employment-panel--self {
  border-left-color: var(--color-primary);
  background: rgba(230, 81, 0, 0.04);
}

.resi-employment-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);
}

.resi-employment-panel--employed .resi-employment-panel-heading {
  color: #0D7A6E;
}

.resi-employment-panel--self .resi-employment-panel-heading {
  color: #C44400;
}

.resi-employment-panel-heading-icon {
  width: 36px;
  height: 36px;
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.resi-employment-panel--employed .resi-employment-panel-heading-icon {
  background: rgba(13, 148, 136, 0.12);
}

.resi-employment-panel--self .resi-employment-panel-heading-icon {
  background: rgba(230, 81, 0, 0.12);
}

.resi-employment-panel-heading-icon svg {
  width: 18px;
  height: 18px;
}

.resi-employment-panel--employed .resi-employment-panel-heading-icon svg {
  color: #0D9488;
}

.resi-employment-panel--self .resi-employment-panel-heading-icon svg {
  color: var(--color-primary);
}

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

.resi-employment-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);
}

.resi-employment-panel-list li::before {
  content: '\2022';
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 0.1em;
  font-size: 1.1em;
}

.resi-employment-panel--employed .resi-employment-panel-list li::before {
  color: #0D9488;
}

.resi-employment-panel--self .resi-employment-panel-list li::before {
  color: var(--color-primary);
}


/* ==========================================================================
   SECTION 7: FIRST-TIME BUYER EXAMPLES (.resi-ftb)
   Alt bg, 3 scenario cards
   ========================================================================== */

.resi-ftb {
  background: var(--color-bg-alt);
}

.resi-ftb-cards {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
  max-width: 960px;
  margin: 0 auto;
}

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

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

.resi-ftb-card {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-top-width: 4px;
  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);
}

.resi-ftb-card:hover {
  box-shadow: var(--shadow-md);
}

.resi-ftb-card--1 { border-top-color: var(--color-primary); }
.resi-ftb-card--2 { border-top-color: var(--color-navy); }
.resi-ftb-card--3 { border-top-color: #0D9488; }

.resi-ftb-card-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.resi-ftb-card--1 .resi-ftb-card-icon {
  background: rgba(230, 81, 0, 0.1);
}

.resi-ftb-card--2 .resi-ftb-card-icon {
  background: rgba(30, 42, 74, 0.08);
}

.resi-ftb-card--3 .resi-ftb-card-icon {
  background: rgba(13, 148, 136, 0.08);
}

.resi-ftb-card-icon svg {
  width: 26px;
  height: 26px;
}

.resi-ftb-card--1 .resi-ftb-card-icon svg { color: var(--color-primary); }
.resi-ftb-card--2 .resi-ftb-card-icon svg { color: var(--color-navy); }
.resi-ftb-card--3 .resi-ftb-card-icon svg { color: #0D9488; }

.resi-ftb-card-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;
}

.resi-ftb-card--1 .resi-ftb-card-badge {
  background: rgba(230, 81, 0, 0.1);
  color: #C44400;
}

.resi-ftb-card--2 .resi-ftb-card-badge {
  background: rgba(30, 42, 74, 0.08);
  color: var(--color-navy);
}

.resi-ftb-card--3 .resi-ftb-card-badge {
  background: rgba(13, 148, 136, 0.1);
  color: #0D7A6E;
}

.resi-ftb-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;
}

.resi-ftb-card p {
  font-family: var(--font-body);
  font-size: var(--text-sm);
  color: var(--color-text-muted);
  line-height: 1.65;
  margin: 0;
  flex: 1;
}


/* ==========================================================================
   SECTION 8: BANK OF MUM AND DAD (.resi-family)
   White bg, two-column: image left, text right
   ========================================================================== */

.resi-family {
  background: var(--color-bg);
}

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

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

@media (min-width: 900px) {
  .resi-family-img {
    aspect-ratio: auto;
    min-height: 440px;
  }
}

.resi-family-text .resi-section-title {
  text-align: left;
}

.resi-family-text .resi-section-intro {
  text-align: left;
  margin-left: 0;
  margin-right: 0;
}

/* Bullet list for important points */
.resi-family-points {
  list-style: none;
  margin: var(--space-6) 0 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}

.resi-family-points 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: 1.6;
}

.resi-family-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;
}

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

/* Family support visual diagram */
.resi-family-diagram {
  background: var(--color-bg-alt);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  margin-top: var(--space-6);
}

.resi-family-diagram-title {
  font-family: var(--font-display);
  font-size: var(--text-sm);
  font-weight: 700;
  color: var(--color-navy);
  text-align: center;
  margin-bottom: var(--space-4);
}

.resi-family-diagram-flow {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  flex-wrap: wrap;
}

.resi-family-diagram-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-1);
  text-align: center;
}

.resi-family-diagram-step-box {
  border-radius: var(--radius-md);
  padding: var(--space-2) var(--space-4);
  font-family: var(--font-display);
  font-size: var(--text-xs);
  font-weight: 700;
  text-align: center;
  line-height: 1.3;
}

.resi-family-diagram-step-box--savings {
  background: rgba(30, 42, 74, 0.08);
  border: 2px solid rgba(30, 42, 74, 0.3);
  color: var(--color-navy);
}

.resi-family-diagram-step-box--gift {
  background: rgba(230, 81, 0, 0.08);
  border: 2px solid rgba(230, 81, 0, 0.3);
  color: #C44400;
}

.resi-family-diagram-step-box--deposit {
  background: rgba(13, 148, 136, 0.08);
  border: 2px solid rgba(13, 148, 136, 0.35);
  color: #0D7A6E;
}

.resi-family-diagram-step-box--result {
  background: var(--color-navy);
  border: 2px solid var(--color-navy);
  color: #FFFFFF;
}

.resi-family-diagram-step-label {
  font-family: var(--font-body);
  font-size: 0.7rem;
  color: var(--color-text-muted);
  line-height: 1.3;
  max-width: 10ch;
}

.resi-family-diagram-arrow {
  font-size: var(--text-base);
  color: var(--color-grey-light);
  font-weight: 700;
  flex-shrink: 0;
}


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

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

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

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

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

.resi-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);
}

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

/* Proof points on navy bg */
.resi-advice-proofs {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-5);
  max-width: 820px;
  margin: 0 auto;
}

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

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

.resi-advice-proof {
  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);
  display: flex;
  align-items: flex-start;
  gap: var(--space-4);
  transition: background var(--transition-interactive), border-color var(--transition-interactive);
}

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

.resi-advice-proof-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;
}

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

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

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

.resi-advice-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 (.resi-final-cta)
   Orange background, white text, centred
   ========================================================================== */

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

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

.resi-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);
}

.resi-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;
}

.resi-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;
}

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

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

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

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

.resi-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 (.resi-risk)
   ========================================================================== */

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

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

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

.resi-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%;
}

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


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

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


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

@media (min-width: 640px) and (max-width: 899px) {
  .resi-audience-card {
    padding: var(--space-7) var(--space-7);
  }
}

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

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

  .resi-employment-panels {
    gap: var(--space-10);
  }

  .resi-borrowing-cards {
    gap: var(--space-8);
  }
}