/* ============================================================
   FINANCE SQUARE GROUP - PAGES LAYER (2026-09-07)
   Inner pages: nav dropdown, page heroes, prose blocks, splits,
   pill lists, legal docs, thank-you, calculator suite.
   Loaded AFTER css/styles.css. Additive only - the homepage
   never loads this file, so index.html is untouched.
   ============================================================ */

/* ---------- nav dropdown ---------- */
.nav-links .dd{position:relative}
.nav-links .dd>a{display:inline-flex;align-items:center;gap:7px}
.nav-links .dd::after{content:"";position:absolute;left:0;right:-20px;top:100%;height:22px}
.dd-caret{width:7px;height:7px;border-right:1.4px solid currentColor;border-bottom:1.4px solid currentColor;transform:rotate(45deg) translateY(-2px);transition:transform .3s var(--ease)}
.dd:hover .dd-caret{transform:rotate(225deg) translateY(1px)}
.dd-menu{
  position:absolute;top:calc(100% + 22px);left:-24px;min-width:300px;background:var(--white);
  border:1px solid var(--line);border-top:2px solid var(--gold);padding:10px 0;
  box-shadow:0 26px 60px -30px rgba(40,42,71,.55);
  opacity:0;visibility:hidden;transform:translateY(-8px);transition:opacity .26s var(--ease),transform .26s var(--ease),visibility .26s;z-index:60
}
.dd:hover .dd-menu,.dd:focus-within .dd-menu{opacity:1;visibility:visible;transform:none}
.dd-menu a{display:block;padding:11px 24px;font-size:.86rem;font-weight:400;color:var(--ink-dim);letter-spacing:0;text-transform:none}
.dd-menu a::after{display:none}
.dd-menu a b{display:block;font-family:var(--serif);font-weight:600;font-size:.97rem;color:var(--navy);margin-bottom:2px;letter-spacing:-.01em}
.dd-menu a:hover{background:var(--cream-2)}
.dd-menu a:hover b{color:var(--gold)}
.mobile-menu .mm-lab{font-size:.66rem;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);border-bottom:none;padding:20px 0 2px;font-family:var(--sans)}
.mobile-menu .mm-sub{font-size:1rem;font-weight:400;padding:10px 0;color:var(--ink-dim);border-bottom:none}

/* ---------- page hero with photograph ---------- */
.phero{padding:66px 0 90px;position:relative;border-bottom:1px solid var(--line)}
.phero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:6vw;align-items:center}
.phero h1{font-size:clamp(2.05rem,4vw,3.25rem);margin:20px 0 0}
.phero h1 em{font-style:italic;color:var(--gold)}
.phero .psub{font-family:var(--serif);font-weight:500;font-size:clamp(1.08rem,1.9vw,1.36rem);color:var(--navy);margin-top:20px;max-width:34ch;line-height:1.45}
.phero .pline{display:flex;flex-wrap:wrap;align-items:center;gap:10px 16px;margin-top:22px;font-size:.72rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-faint)}
.phero .pline i{width:4px;height:4px;background:var(--gold);border-radius:50%;display:block}
.phero p.pbody{color:var(--ink-dim);font-size:1rem;line-height:1.85;max-width:58ch;margin-top:24px}
.phero-visual{position:relative;justify-self:end;width:min(100%,460px)}
.phero-visual .arch img{width:100%;aspect-ratio:4/5.1;object-fit:cover}

/* ---------- prose / copy blocks ---------- */
.prose{max-width:76ch}
.prose h3{font-size:clamp(1.3rem,2.3vw,1.75rem);margin:0 0 18px}
.prose p{color:var(--ink-dim);line-height:1.85;margin-bottom:18px}
.prose p:last-child{margin-bottom:0}
.prose strong{color:var(--navy);font-weight:600}
.prose .lead{font-family:var(--serif);font-weight:500;font-size:1.14rem;color:var(--navy);line-height:1.6}
.tick-list{list-style:none;margin:24px 0 0;display:grid;gap:0}
.tick-list li{display:flex;gap:14px;align-items:flex-start;padding:13px 0;border-bottom:1px solid var(--line);color:var(--ink-dim);font-size:.96rem;line-height:1.7}
.tick-list li::before{content:"";flex:none;width:7px;height:7px;background:var(--gold);transform:rotate(45deg);margin-top:9px}
.tick-list li b{color:var(--navy);font-weight:600}

/* ---------- alternating image + copy split ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:6vw;align-items:center}
.split+.split{margin-top:clamp(60px,7vw,104px)}
.split.flip .split-media{order:2}
.split-media{position:relative;z-index:1}
.split-media img{width:100%;aspect-ratio:4/3.1;object-fit:cover;position:relative;z-index:2}
.split-media .sm-frame{position:absolute;inset:-18px -18px 18px 18px;border:1px solid var(--line-gold);z-index:1}
.split.flip .split-media .sm-frame{inset:-18px 18px 18px -18px}
.split-copy h2{font-size:clamp(1.65rem,2.9vw,2.35rem);margin:18px 0 20px}
.split-copy h2 em{font-style:italic;color:var(--gold)}
.split-copy p{color:var(--ink-dim);line-height:1.85;margin-bottom:16px}
.split-copy p:last-child{margin-bottom:0}

/* ---------- pill lists (what we finance) ---------- */
.pill-cols{display:grid;grid-template-columns:repeat(3,1fr);gap:44px}
.pill-col h4{font-family:var(--serif);font-size:1.22rem;color:var(--navy);margin-bottom:10px}
.pill-col>p{font-size:.9rem;color:var(--ink-dim);line-height:1.75;margin-bottom:20px}
.pills{display:flex;flex-wrap:wrap;gap:8px}
.pills span{
  font-size:.77rem;font-weight:500;color:var(--ink-dim);background:var(--white);
  border:1px solid var(--line);padding:8px 13px;transition:border-color .25s,color .25s
}
.pills span:hover{border-color:var(--line-gold);color:var(--navy)}

/* ---------- reason cards ---------- */
.reasons{display:grid;grid-template-columns:repeat(2,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}
.reason{padding:36px clamp(22px,2.8vw,40px);border-right:1px solid var(--line);border-bottom:1px solid var(--line);transition:background .3s;position:relative}
.reason:hover{background:var(--white)}
.reason .rn{font-family:var(--serif);font-style:italic;font-size:.92rem;color:var(--gold)}
.reason h3{font-size:1.2rem;margin:12px 0 12px;line-height:1.3}
.reason p{font-size:.92rem;color:var(--ink-dim);line-height:1.75}
.reason.wide{grid-column:1/-1}
.reasons.three{grid-template-columns:repeat(3,1fr)}

/* ---------- founder story: two-column prose + facts rail ---------- */
.priya-cols{display:grid;grid-template-columns:1.55fr .95fr;gap:6vw;align-items:start}
.priya-facts{background:var(--cream-2);border:1px solid var(--line);border-top:2px solid var(--gold);padding:28px 30px}
.priya-facts h4{font-size:.68rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--ink-faint);margin-bottom:6px;font-family:var(--sans)}
.priya-facts .tick-list li{font-size:.9rem;padding:12px 0}
.priya-facts .tick-list li:last-child{border-bottom:none;padding-bottom:0}

/* ---------- pull quote ---------- */
.pullquote{
  margin:clamp(46px,5vw,72px) auto 0;max-width:60ch;text-align:center;position:relative;
  padding:clamp(34px,4vw,52px) clamp(24px,4vw,56px) clamp(30px,3.4vw,44px);
  background:var(--white);border:1px solid var(--line);border-top:2px solid var(--gold)
}
.pullquote::before{
  content:"“";position:absolute;top:-.30em;left:50%;transform:translateX(-50%);
  font-family:var(--serif);font-size:4.8rem;line-height:.62;color:var(--gold);
  background:var(--cream);padding:0 16px
}
.pullquote blockquote{
  font-family:var(--serif);font-weight:500;font-style:italic;
  font-size:clamp(1.25rem,2.5vw,1.75rem);line-height:1.5;color:var(--navy)
}
.pullquote figcaption{
  margin-top:24px;font-family:var(--sans);font-weight:600;font-size:.92rem;color:var(--navy)
}
.pullquote figcaption span{
  display:block;margin-top:7px;font-weight:400;font-size:.76rem;line-height:1.7;color:var(--ink-faint)
}

/* ---------- section topic subheading (sits under a section h2) ---------- */
.sec-head h3{
  font-family:var(--serif);font-weight:600;color:var(--navy);
  font-size:clamp(1.1rem,1.9vw,1.4rem);line-height:1.35;margin:0 0 18px
}

/* ---------- misc ---------- */
.direct-card:first-child{margin-top:0}
.note-strip{font-size:.8rem;color:var(--ink-faint);line-height:1.75;max-width:84ch}
.cta-inline{display:flex;flex-wrap:wrap;gap:16px;align-items:center;margin-top:34px}
.anchor-off{scroll-margin-top:120px}

/* ---------- legal / long-form document page ---------- */
.doc{max-width:84ch;margin:0 auto}
.doc h2{font-size:clamp(1.35rem,2.2vw,1.7rem);margin:50px 0 16px;padding-top:26px;border-top:1px solid var(--line);scroll-margin-top:120px}
.doc h2.first{border-top:none;padding-top:0;margin-top:0}
.doc h3{font-size:1.08rem;margin:26px 0 12px}
.doc p{color:var(--ink-dim);line-height:1.85;margin-bottom:16px;font-size:.95rem}
.doc a.textlink{white-space:nowrap}
.doc ul{margin:0 0 18px;list-style:none}
.doc ul li{position:relative;padding:7px 0 7px 24px;color:var(--ink-dim);font-size:.94rem;line-height:1.75}
.doc ul li::before{content:"";position:absolute;left:2px;top:16px;width:6px;height:6px;background:var(--gold);transform:rotate(45deg)}
.doc .updated{font-size:.72rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-faint);margin-bottom:36px}
.doc-toc{background:var(--cream-2);border:1px solid var(--line);border-left:3px solid var(--gold);padding:26px 30px;margin-bottom:50px}
.doc-toc h4{font-size:.68rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--ink-faint);margin-bottom:12px}
.doc-toc a{display:block;padding:6px 0;font-size:.9rem;color:var(--navy)}
.doc-toc a:hover{color:var(--gold)}

/* ---------- thank-you ---------- */
.ty{padding:96px 0 90px;text-align:center}
.ty .mark{width:72px;height:72px;border-radius:50%;border:1px solid var(--line-gold);background:var(--gold-soft);display:flex;align-items:center;justify-content:center;color:var(--gold);font-size:1.6rem;margin:0 auto 30px}
.ty h1{font-size:clamp(2rem,4vw,3.05rem)}
.ty h1 em{font-style:italic;color:var(--gold)}
.ty>.wrap>p{color:var(--ink-dim);max-width:60ch;margin:22px auto 0;line-height:1.85}
.ty-next{display:grid;grid-template-columns:repeat(3,1fr);margin:56px auto 0;border-top:1px solid var(--line);border-left:1px solid var(--line);text-align:left;max-width:980px}
.ty-next div{padding:28px 30px;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}
.ty-next .n{font-family:var(--serif);font-style:italic;color:var(--gold);font-size:1rem}
.ty-next b{display:block;font-family:var(--serif);font-size:1.04rem;color:var(--navy);margin:10px 0 8px}
.ty-next p{font-size:.88rem;margin:0;color:var(--ink-dim);line-height:1.7}

/* ---------- contact extras ---------- */
.why-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:0;border-top:1px solid var(--line);border-left:1px solid var(--line)}
.why-grid>div{padding:34px clamp(22px,2.6vw,38px);border-right:1px solid var(--line);border-bottom:1px solid var(--line)}
.why-grid h3{font-size:1.15rem;margin-bottom:12px}
.why-grid p{font-size:.92rem;color:var(--ink-dim);line-height:1.75}

/* ============================================================
   CALCULATOR SUITE
   ============================================================ */
.calc-tabs{display:flex;flex-wrap:wrap;border:1px solid var(--line);background:var(--white);margin-bottom:42px}
.calc-tabs button{
  flex:1 1 200px;padding:14px 14px;font-size:.71rem;font-weight:600;letter-spacing:.09em;text-transform:uppercase;
  color:var(--ink-faint);border-right:1px solid var(--line);transition:background .25s,color .25s;white-space:nowrap
}
.calc-tabs button:last-child{border-right:none}
.calc-tabs button:hover{color:var(--navy);background:var(--cream-2)}
.calc-tabs button.on{background:var(--navy);color:var(--cream-tx)}
.calc-panel{display:none}
.calc-panel.on{display:block}
.calc-shell{display:grid;grid-template-columns:1.12fr .88fr;background:var(--white);border:1px solid var(--line);box-shadow:0 30px 70px -45px rgba(40,42,71,.45)}
.calc-form{padding:clamp(26px,3.2vw,46px);border-right:1px solid var(--line)}
.calc-form h3{font-size:1.45rem;margin-bottom:8px}
.calc-form .sub{font-size:.88rem;color:var(--ink-dim);line-height:1.7;margin-bottom:30px;max-width:54ch}
.cf-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px 22px}
.cf-grid.one{grid-template-columns:1fr}
.cf-grid+.cf-grid{margin-top:20px}
.cf{display:block}
.cf .k{display:block;font-size:.67rem;font-weight:600;letter-spacing:.15em;text-transform:uppercase;color:var(--ink-faint);margin-bottom:8px}
.cf .money,.cf .pct{position:relative;display:block}
.cf .money::before{content:"$";position:absolute;left:13px;top:50%;transform:translateY(-50%);color:var(--ink-faint);font-size:.92rem;pointer-events:none}
.cf .money input{padding-left:27px}
.cf .pct::after{content:"%";position:absolute;right:13px;top:50%;transform:translateY(-50%);color:var(--ink-faint);font-size:.88rem;pointer-events:none}
.cf .pct input{padding-right:30px}
.cf input[type=number],.cf input[type=text],.cf select{
  width:100%;padding:13px 14px;border:1px solid var(--line);background:var(--cream);
  font-family:var(--sans);font-size:.97rem;color:var(--ink);outline:none;transition:border-color .25s;border-radius:0;-webkit-appearance:none;appearance:none
}
.cf select{background-image:linear-gradient(45deg,transparent 50%,var(--ink-faint) 50%),linear-gradient(135deg,var(--ink-faint) 50%,transparent 50%);background-position:calc(100% - 18px) 21px,calc(100% - 13px) 21px;background-size:5px 5px,5px 5px;background-repeat:no-repeat;padding-right:36px}
.cf input:focus,.cf select:focus{border-color:var(--gold)}
.cf input[type=number]::-webkit-outer-spin-button,.cf input[type=number]::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
.cf input[type=number]{-moz-appearance:textfield}
.cf .money input[type=number],.cf .money input[type=text]{padding-left:28px}
.cf .pct input[type=number],.cf .pct input[type=text]{padding-right:32px}
.cf .hint{display:block;font-size:.72rem;color:var(--ink-faint);margin-top:6px;line-height:1.6}
.seg{display:flex;border:1px solid var(--line)}
.seg button{flex:1;padding:12px 6px;font-size:.79rem;font-weight:600;color:var(--ink-faint);border-right:1px solid var(--line);transition:background .22s,color .22s}
.seg button:last-child{border-right:none}
.seg button.on{background:var(--navy);color:var(--cream-tx)}
.seg button:not(.on):hover{background:var(--cream-2);color:var(--navy)}
.cf-block{margin-top:28px;padding-top:26px;border-top:1px solid var(--line)}
.cf-block .blab{display:block;font-family:var(--serif);font-size:1.04rem;color:var(--navy);margin-bottom:18px}
.calc-res{padding:clamp(26px,3.2vw,46px);background:var(--navy);color:var(--cream-tx);display:flex;flex-direction:column;justify-content:center}
.calc-res .ok{font-size:.67rem;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--gold)}
.calc-res .big{font-family:var(--serif);font-size:clamp(1.9rem,3.3vw,2.9rem);line-height:1.12;margin:14px 0 4px;word-break:break-word}
.calc-res .cap{color:var(--cream-tx-dim);font-size:.85rem;line-height:1.65}
.calc-res .rows{margin-top:26px;border-top:1px solid var(--line-cream)}
.calc-res .rows div{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid var(--line-cream);font-size:.86rem;color:var(--cream-tx-dim)}
.calc-res .rows b{font-family:var(--serif);font-weight:500;font-size:.99rem;color:var(--cream-tx);white-space:nowrap}
.calc-res .flag{margin-top:20px;padding:14px 16px;background:rgba(168,124,46,.2);border-left:2px solid var(--gold);font-size:.81rem;line-height:1.7;color:#f1e6ce}
.calc-res .note{margin-top:20px;font-size:.69rem;color:var(--cream-tx-dim);line-height:1.7}
.calc-res .btn{margin-top:24px;align-self:flex-start}
.lvr-bar{margin-top:8px}
.lvr-bar .bar{height:6px;background:var(--line-cream);position:relative;overflow:hidden}
.lvr-bar .bar i{position:absolute;top:0;bottom:0;left:0;background:var(--gold);transition:width .4s var(--ease)}
.dual{display:grid;grid-template-columns:1.15fr 1fr;gap:8px;align-items:center}
.seg.disabled{opacity:.4;pointer-events:none}
.seg.compact button{padding:11px 4px;font-size:.82rem}
.link-btn{
  background:none;border:none;padding:0;margin-top:8px;
  font-size:.74rem;font-weight:600;color:var(--gold);
  border-bottom:1px solid var(--line-gold);cursor:pointer;transition:color .2s
}
.link-btn:hover{color:var(--navy);border-color:var(--navy)}

/* ---------- balance chart + graph/table switch ---------- */
.viz{margin-top:34px;padding-top:28px;border-top:1px solid var(--line)}
.viz-head{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;margin-bottom:18px}
.viz-head h4{font-family:var(--sans);font-size:.68rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-faint)}
.viz-tabs{display:flex;border:1px solid var(--line)}
.viz-tabs button{padding:7px 16px;font-size:.72rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-faint);border-right:1px solid var(--line);transition:background .2s,color .2s}
.viz-tabs button:last-child{border-right:none}
.viz-tabs button.on{background:var(--navy);color:var(--cream-tx)}
.viz-graph svg{width:100%;height:auto;display:block;overflow:visible}
.viz-graph .cg{stroke:var(--line);stroke-width:1}
.viz-graph .ca{stroke:rgba(30,31,45,.3);stroke-width:1}
.viz-graph .cl{font-family:var(--sans);font-size:11px;fill:var(--ink-faint)}
.viz-graph .cly{text-anchor:end}
.viz-graph .clx{text-anchor:middle}
.viz-graph .cline{fill:none;stroke-width:2.2;stroke-linejoin:round;stroke-linecap:round}
.viz-graph .cfill{fill:rgba(40,42,71,.07);stroke:none}
.viz-graph .cs0{stroke:var(--navy)}
.viz-graph .cs1{stroke:var(--gold)}
.clegend{display:flex;align-items:center;gap:22px;flex-wrap:wrap;margin-top:14px;font-size:.78rem;color:var(--ink-dim)}
.clegend .ck{display:flex;align-items:center;gap:8px}
.clegend .ck i{width:16px;height:2.5px;display:block;border-radius:2px}
.clegend .ck i.cs0{background:var(--navy)}
.clegend .ck i.cs1{background:var(--gold)}
.clegend .cx{margin-left:auto;font-size:.7rem;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-faint)}
.viz-table{overflow-x:auto}
.viz-table table{width:100%;border-collapse:collapse;font-size:.82rem;min-width:400px}
.viz-table th{text-align:right;font-size:.65rem;font-weight:600;letter-spacing:.13em;text-transform:uppercase;color:var(--ink-faint);padding:0 0 10px;border-bottom:1px solid var(--line)}
.viz-table th:first-child,.viz-table td:first-child{text-align:left}
.viz-table td{text-align:right;padding:10px 0;border-bottom:1px solid var(--line);color:var(--ink-dim)}
.viz-table td:first-child{color:var(--navy);font-weight:500}
.mix-bar{margin-top:10px}
.mix-bar .bar{height:8px;background:rgba(244,238,224,.25);position:relative;overflow:hidden}
.mix-bar .bar i{position:absolute;top:0;bottom:0;left:0;background:var(--gold);transition:width .4s var(--ease)}
.mix-bar .lab{display:flex;justify-content:space-between;margin-top:8px;font-size:.74rem;color:var(--cream-tx-dim)}

.amort{margin-top:34px;overflow-x:auto}
.amort h4{font-size:.68rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-faint);margin-bottom:14px;font-family:var(--sans)}
.amort table{width:100%;border-collapse:collapse;font-size:.82rem;min-width:420px}
.amort th{text-align:right;font-size:.65rem;font-weight:600;letter-spacing:.13em;text-transform:uppercase;color:var(--ink-faint);padding:0 0 10px;border-bottom:1px solid var(--line)}
.amort th:first-child,.amort td:first-child{text-align:left}
.amort td{text-align:right;padding:10px 0;border-bottom:1px solid var(--line);color:var(--ink-dim)}
.amort td:first-child{color:var(--navy);font-weight:500}
.budget-rows .cf-grid{grid-template-columns:1fr 1fr 1fr}

@media(max-width:1080px){
  .phero-grid{grid-template-columns:1fr;gap:54px}
  .phero-visual{justify-self:center}
  .split{grid-template-columns:1fr;gap:44px}
  .split.flip .split-media{order:0}
  .split.flip .split-media .sm-frame{inset:-14px -14px 14px 14px}
  .pill-cols{grid-template-columns:1fr 1fr}
  .calc-shell{grid-template-columns:1fr}
  .calc-form{border-right:none;border-bottom:1px solid var(--line)}
  .ty-next{grid-template-columns:1fr}
  .budget-rows .cf-grid{grid-template-columns:1fr 1fr}
  .priya-cols{grid-template-columns:1fr;gap:44px}
}
@media(max-width:720px){
  .phero{padding:44px 0 62px}
  .reasons,.why-grid{grid-template-columns:1fr}
  .pill-cols{grid-template-columns:1fr}
  .cf-grid,.budget-rows .cf-grid{grid-template-columns:1fr}
  .calc-tabs{flex-direction:column}
  .calc-tabs button{border-right:none;border-bottom:1px solid var(--line);text-align:left}
  .calc-tabs button:last-child{border-bottom:none}
  .doc-toc{padding:22px}
  .split-media .sm-frame,.split.flip .split-media .sm-frame{inset:-10px -10px 10px 10px}
}

/* ============================================================
   LENDER PANEL - continuous logo marquee (2026-09-08)
   Replaces the static name list. Two identical tracks scroll as
   one; translating a full track width loops seamlessly.
   ============================================================ */
.lenders .wrap.lender-wrap{display:block}
.lender-head{display:flex;align-items:baseline;justify-content:space-between;gap:20px;margin-bottom:20px}
.lender-head .lab{flex-shrink:0}
.lender-head b{font-family:var(--sans);font-size:.78rem;font-weight:600;color:var(--gold);white-space:nowrap}

.lender-marquee{
  position:relative;overflow:hidden;
  /* fade the logos out at both edges so they enter/leave softly */
  -webkit-mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);
          mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);
}
.lender-marquee .lm-viewport{display:flex;width:max-content;animation:lender-scroll 46s linear infinite}
.lender-marquee:hover .lm-viewport{animation-play-state:paused}
.lm-track{display:flex;align-items:center;flex:none}
.lm-item{
  flex:none;display:flex;align-items:center;justify-content:center;
  width:190px;height:62px;padding:0 26px;
}
.lm-item img{
  max-width:100%;max-height:38px;width:auto;height:auto;object-fit:contain;
  filter:grayscale(1);opacity:.5;
  transition:filter .45s var(--ease),opacity .45s var(--ease);
}
.lender-marquee:hover .lm-item img{opacity:.42}
.lm-item:hover img{filter:grayscale(0);opacity:1}
@keyframes lender-scroll{from{transform:translate3d(0,0,0)}to{transform:translate3d(-50%,0,0)}}

@media (max-width:700px){
  .lm-item{width:150px;height:56px;padding:0 18px}
  .lm-item img{max-height:30px}
  .lender-marquee .lm-viewport{animation-duration:34s}
}
/* Users who ask for less motion get a static, scrollable row instead */
@media (prefers-reduced-motion:reduce){
  .lender-marquee{overflow-x:auto;-webkit-mask-image:none;mask-image:none}
  .lender-marquee .lm-viewport{animation:none}
  .lender-marquee .lm-track[aria-hidden="true"]{display:none}
  .lm-item img{filter:grayscale(1);opacity:.62}
}

/* Optical normalisation: logos range from square (BOQ 0.89) to very wide
   (Bendigo 6.41). Matching heights alone makes square marks look tiny, so
   each is capped by shape - square marks taller, wordmarks shorter. */
.lm-item img{max-width:150px}
.lm-item img[src$="cba.svg"],
.lm-item img[src$="boq.png"]{max-height:46px}          /* square marks */
.lm-item img[src$="anz.svg"],
.lm-item img[src$="nab.svg"],
.lm-item img[src$="amp.svg"],
.lm-item img[src$="suncorp.svg"],
.lm-item img[src$="stgeorge.png"]{max-height:34px}      /* balanced marks */
.lm-item img[src$="westpac.svg"],
.lm-item img[src$="macquarie.svg"],
.lm-item img[src$="bendigo.png"],
.lm-item img[src$="bankwest.png"]{max-height:27px}      /* wide wordmarks */
@media (max-width:700px){
  .lm-item img{max-width:120px}
  .lm-item img[src$="cba.svg"],.lm-item img[src$="boq.png"]{max-height:38px}
}

/* Plain grayscale washes out light-coloured marks (CBA's yellow diamond
   becomes near-white on cream). Darkening as well as desaturating gives
   every logo the same mid-tone weight; hover restores true brand colour. */
.lm-item img{filter:grayscale(1) brightness(.55) contrast(1.05);opacity:.72}
.lender-marquee:hover .lm-item img{opacity:.5}
.lm-item:hover img{filter:none;opacity:1}
@media (prefers-reduced-motion:reduce){
  .lm-item img{filter:grayscale(1) brightness(.55);opacity:.8}
}

/* FHB campaign: three-column trust row (why-grid is 2-up by default) */
.why-grid.trust-row{grid-template-columns:repeat(3,1fr);margin-top:44px}
.why-grid.trust-row h3{margin-bottom:0;font-size:1.05rem}
@media (max-width:860px){ .why-grid.trust-row{grid-template-columns:1fr} }
/* FHB campaign: trust line under the Finance Square Score button */
.band .score-trust{margin-top:22px;font-size:.86rem;opacity:.8;max-width:62ch}

/* --- ported legal pages (privacy policy, disclosure & consent, important documents) --- */
.doc .doc-meta{opacity:.62;font-size:.9em;margin-left:10px;white-space:nowrap}
.doc .btn{margin:.2em 0}
.doc-quote{margin:0 0 1.6em;padding:18px 22px;border-left:3px solid var(--gold,#b99248);background:rgba(0,0,0,.035);border-radius:0 6px 6px 0}
.doc-quote p{margin:0}
.doc ul li strong{font-weight:600}