/* ==========================================================================
   Loan Helper Zone — Custom Stylesheet
   Tech Stack: HTML5, Custom CSS, Vanilla JS, Bootstrap 5 (Grid, Navbar, Accordion)
   ========================================================================== */

@font-face {
  font-family: 'Plus Jakarta Sans';
  src: url('../fonts/plus-jakarta-sans-400.woff2') format('woff2');
  font-weight: 400;
  font-style: normal;
  font-display: swap;
}

@font-face {
  font-family: 'Plus Jakarta Sans';
  src: url('../fonts/plus-jakarta-sans-500.woff2') format('woff2');
  font-weight: 500;
  font-style: normal;
  font-display: swap;
}

@font-face {
  font-family: 'Plus Jakarta Sans';
  src: url('../fonts/plus-jakarta-sans-600.woff2') format('woff2');
  font-weight: 600;
  font-style: normal;
  font-display: swap;
}

@font-face {
  font-family: 'Plus Jakarta Sans';
  src: url('../fonts/plus-jakarta-sans-700.woff2') format('woff2');
  font-weight: 700;
  font-style: normal;
  font-display: swap;
}

@font-face {
  font-family: 'Newsreader';
  src: url('../fonts/newsreader-500.woff2') format('woff2');
  font-weight: 500;
  font-style: normal;
  font-display: swap;
}

@font-face {
  font-family: 'Newsreader';
  src: url('../fonts/newsreader-600.woff2') format('woff2');
  font-weight: 600;
  font-style: normal;
  font-display: swap;
}

:root {
  --lhz-navy: #0F2922;
  --lhz-forest: #173D33;
  --lhz-emerald: #166E55;
  --lhz-emerald-hover: #105541;
  --lhz-emerald-soft: #E6F2EE;
  --lhz-gold: #C4923A;
  --lhz-gold-light: #D4A853;
  --lhz-bg: #FAF9F5;
  --lhz-surface: #FFFFFF;
  --lhz-surface-alt: #F1F4F1;
  --lhz-surface-warm: #F4EFE6;
  --lhz-ink: #10211C;
  --lhz-body: #374943;
  --lhz-muted: #596C65;
  --lhz-border: #D9E2DE;
  --lhz-border-strong: #C2D0CA;
  --lhz-danger: #B42318;
  --lhz-danger-bg: #FEF3F2;
  --lhz-danger-border: #FECDCA;
  --lhz-success: #067647;
  --lhz-success-bg: #ECFDF3;
  --lhz-success-border: #ABEFC6;
  --lhz-radius-sm: 8px;
  --lhz-radius-md: 14px;
  --lhz-radius-lg: 20px;
  --lhz-shadow-sm: 0 2px 8px rgba(15, 41, 34, 0.05);
  --lhz-shadow-md: 0 12px 32px rgba(15, 41, 34, 0.07);
  --lhz-shadow-lg: 0 20px 48px rgba(15, 41, 34, 0.11);
  --lhz-font-sans: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --lhz-font-serif: 'Newsreader', Georgia, 'Times New Roman', serif;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  margin: 0;
  font-family: var(--lhz-font-sans);
  font-size: 1rem;
  line-height: 1.68;
  color: var(--lhz-body);
  background-color: var(--lhz-bg);
  overflow-x: hidden;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

h1, h2, h3, h4, h5, h6 {
  color: var(--lhz-ink);
  margin-top: 0;
  line-height: 1.22;
  letter-spacing: -0.02em;
}

h1,
.lhz-display-title {
  font-family: var(--lhz-font-serif);
  font-weight: 600;
  font-size: clamp(2.1rem, 4vw, 3.35rem);
  line-height: 1.14;
}

h2,
.lhz-section-title {
  font-family: var(--lhz-font-serif);
  font-weight: 600;
  font-size: clamp(1.75rem, 3vw, 2.5rem);
  line-height: 1.2;
}

h3 {
  font-family: var(--lhz-font-sans);
  font-weight: 700;
  font-size: 1.26rem;
  line-height: 1.32;
}

p {
  margin-top: 0;
  margin-bottom: 1rem;
}

a {
  color: var(--lhz-emerald);
  text-decoration: none;
  transition: color 0.2s ease;
}

a:hover {
  color: var(--lhz-emerald-hover);
}

.lhz-skip-link {
  position: absolute;
  left: -9999px;
  top: 8px;
  z-index: 1500;
  background: var(--lhz-navy);
  color: #FFFFFF;
  padding: 0.65rem 1.1rem;
  border-radius: var(--lhz-radius-sm);
  font-weight: 600;
}

.lhz-skip-link:focus {
  left: 12px;
  color: #FFFFFF;
}

/* ==========================================================================
   Top Bar & Navbar
   ========================================================================== */

.lhz-topbar {
  background-color: var(--lhz-navy);
  color: rgba(255, 255, 255, 0.86);
  font-size: 0.84rem;
  padding: 0.5rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.09);
}

.lhz-topbar-inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 0.5rem 1.25rem;
}

.lhz-topbar-list {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.45rem 1.35rem;
  list-style: none;
  margin: 0;
  padding: 0;
}

.lhz-topbar-item {
  display: inline-flex;
  align-items: center;
  gap: 0.42rem;
}

.lhz-topbar a {
  color: rgba(255, 255, 255, 0.92);
}

.lhz-topbar a:hover {
  color: var(--lhz-gold-light);
}

.lhz-topbar-icon {
  width: 14px;
  height: 14px;
  flex-shrink: 0;
  color: var(--lhz-gold-light);
}

.lhz-header {
  position: sticky;
  top: 0;
  z-index: 1030;
  background-color: rgba(250, 249, 245, 0.96);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--lhz-border);
}

.lhz-navbar {
  padding: 0.85rem 0;
}

.lhz-brand {
  display: inline-flex;
  align-items: center;
  padding: 0;
  margin-right: 1.5rem;
}

.lhz-brand img {
  height: 38px;
  width: auto;
  max-width: 230px;
}

.lhz-navbar .navbar-toggler {
  border: 1.5px solid var(--lhz-border-strong);
  border-radius: var(--lhz-radius-sm);
  padding: 0.42rem 0.62rem;
  color: var(--lhz-ink);
  box-shadow: none;
}

.lhz-navbar .navbar-toggler:focus {
  box-shadow: 0 0 0 3px rgba(22, 110, 85, 0.22);
}

.lhz-navbar .navbar-nav {
  margin-left: auto;
  margin-right: 1.25rem;
  gap: 0.15rem;
}

.lhz-navbar .nav-link {
  color: var(--lhz-ink);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.55rem 0.85rem !important;
  border-radius: var(--lhz-radius-sm);
  transition: background-color 0.2s ease, color 0.2s ease;
}

.lhz-navbar .nav-link:hover,
.lhz-navbar .nav-link:focus,
.lhz-navbar .nav-link.active {
  color: var(--lhz-emerald);
  background-color: rgba(22, 110, 85, 0.08);
}

.lhz-navbar .dropdown-menu {
  border: 1px solid var(--lhz-border);
  border-radius: var(--lhz-radius-md);
  box-shadow: var(--lhz-shadow-md);
  padding: 0.55rem;
  background-color: var(--lhz-surface);
  min-width: 250px;
}

.lhz-navbar .dropdown-item {
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--lhz-ink);
  padding: 0.55rem 0.85rem;
  border-radius: var(--lhz-radius-sm);
  transition: background-color 0.18s ease, color 0.18s ease;
}

.lhz-navbar .dropdown-item:hover,
.lhz-navbar .dropdown-item:focus,
.lhz-navbar .dropdown-item.active {
  background-color: var(--lhz-emerald-soft);
  color: var(--lhz-emerald);
}

.lhz-dropdown-divider {
  height: 1px;
  background-color: var(--lhz-border);
  margin: 0.4rem 0.5rem;
}

.lhz-nav-actions {
  display: flex;
  align-items: center;
}

/* ==========================================================================
   Buttons
   ========================================================================== */

.lhz-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-family: var(--lhz-font-sans);
  font-weight: 600;
  font-size: 0.95rem;
  line-height: 1.25;
  padding: 0.82rem 1.45rem;
  border-radius: var(--lhz-radius-sm);
  border: 1.5px solid transparent;
  cursor: pointer;
  text-decoration: none;
  transition: background-color 0.2s ease, border-color 0.2s ease, color 0.2s ease, transform 0.18s ease, box-shadow 0.2s ease;
}

.lhz-btn:focus-visible {
  outline: 3px solid rgba(22, 110, 85, 0.35);
  outline-offset: 2px;
}

.lhz-btn-primary {
  background-color: var(--lhz-emerald);
  border-color: var(--lhz-emerald);
  color: #FFFFFF;
}

.lhz-btn-primary:hover,
.lhz-btn-primary:focus {
  background-color: var(--lhz-emerald-hover);
  border-color: var(--lhz-emerald-hover);
  color: #FFFFFF;
  transform: translateY(-1px);
  box-shadow: 0 6px 18px rgba(22, 110, 85, 0.24);
}

.lhz-btn-outline {
  background-color: transparent;
  border-color: var(--lhz-border-strong);
  color: var(--lhz-ink);
}

.lhz-btn-outline:hover,
.lhz-btn-outline:focus {
  border-color: var(--lhz-emerald);
  color: var(--lhz-emerald);
  background-color: rgba(22, 110, 85, 0.05);
}

.lhz-btn-light {
  background-color: #FFFFFF;
  border-color: #FFFFFF;
  color: var(--lhz-navy);
}

.lhz-btn-light:hover,
.lhz-btn-light:focus {
  background-color: var(--lhz-surface-warm);
  border-color: var(--lhz-surface-warm);
  color: var(--lhz-navy);
}

.lhz-btn-outline-light {
  background-color: transparent;
  border-color: rgba(255, 255, 255, 0.45);
  color: #FFFFFF;
}

.lhz-btn-outline-light:hover,
.lhz-btn-outline-light:focus {
  background-color: rgba(255, 255, 255, 0.12);
  border-color: #FFFFFF;
  color: #FFFFFF;
}

.lhz-btn-sm {
  padding: 0.62rem 1.15rem;
  font-size: 0.9rem;
}

.lhz-btn-full {
  width: 100%;
}

/* ==========================================================================
   Sections & Editorial Typography Helpers
   ========================================================================== */

.lhz-section {
  padding: 5rem 0;
}

.lhz-section-alt {
  background-color: var(--lhz-surface-alt);
}

.lhz-section-warm {
  background-color: var(--lhz-surface-warm);
}

.lhz-section-surface {
  background-color: var(--lhz-surface);
}

.lhz-section-dark {
  background-color: var(--lhz-navy);
  color: rgba(255, 255, 255, 0.88);
}

.lhz-section-dark h2,
.lhz-section-dark h3,
.lhz-section-dark h4 {
  color: #FFFFFF;
}

.lhz-section-header {
  max-width: 700px;
  margin-bottom: 3rem;
}

.lhz-section-header-center {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

.lhz-eyebrow {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.11em;
  color: var(--lhz-emerald);
  margin-bottom: 0.7rem;
}

.lhz-section-dark .lhz-eyebrow {
  color: var(--lhz-gold-light);
}

.lhz-lead {
  font-size: 1.12rem;
  line-height: 1.7;
  color: var(--lhz-muted);
}

.lhz-section-dark .lhz-lead {
  color: rgba(255, 255, 255, 0.8);
}

/* ==========================================================================
   Hero & Page Headers
   ========================================================================== */

.lhz-hero {
  padding: 4.5rem 0 5rem;
  background: linear-gradient(180deg, #F4EFE6 0%, #FAF9F5 100%);
  border-bottom: 1px solid var(--lhz-border);
}

.lhz-hero-copy {
  padding-right: 1rem;
}

.lhz-hero-title {
  margin-bottom: 1.25rem;
}

.lhz-hero-text {
  font-size: 1.12rem;
  color: var(--lhz-body);
  margin-bottom: 1.85rem;
  max-width: 580px;
}

.lhz-hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.9rem;
  margin-bottom: 2.1rem;
}

.lhz-hero-pillars {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem 1.5rem;
  padding-top: 1.4rem;
  border-top: 1px solid var(--lhz-border);
  list-style: none;
  margin: 0;
  padding-left: 0;
}

.lhz-hero-pillars li {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--lhz-ink);
}

.lhz-check-icon {
  width: 18px;
  height: 18px;
  color: var(--lhz-emerald);
  flex-shrink: 0;
}

.lhz-hero-media {
  position: relative;
}

.lhz-hero-frame {
  border-radius: var(--lhz-radius-lg);
  overflow: hidden;
  box-shadow: var(--lhz-shadow-lg);
  border: 1px solid rgba(15, 41, 34, 0.08);
  background-color: var(--lhz-surface);
}

.lhz-hero-frame img {
  width: 100%;
  aspect-ratio: 16 / 10;
  object-fit: cover;
}

.lhz-hero-caption {
  padding: 1.1rem 1.4rem;
  background-color: var(--lhz-surface);
  border-top: 1px solid var(--lhz-border);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  font-size: 0.9rem;
  color: var(--lhz-muted);
}

.lhz-hero-caption strong {
  color: var(--lhz-ink);
  display: block;
  font-size: 0.96rem;
}

/* Inner Page Banner */
.lhz-page-banner {
  background: linear-gradient(135deg, var(--lhz-navy) 0%, var(--lhz-forest) 100%);
  color: #FFFFFF;
  padding: 3.75rem 0 4rem;
  border-bottom: 3px solid var(--lhz-gold);
}

.lhz-page-banner h1 {
  color: #FFFFFF;
  margin-bottom: 0.85rem;
}

.lhz-page-banner p {
  color: rgba(255, 255, 255, 0.85);
  font-size: 1.08rem;
  max-width: 680px;
  margin-bottom: 0;
}

.lhz-breadcrumb {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.5rem;
  list-style: none;
  padding: 0;
  margin: 0 0 1.1rem;
  font-size: 0.86rem;
  color: rgba(255, 255, 255, 0.72);
}

.lhz-breadcrumb a {
  color: var(--lhz-gold-light);
  font-weight: 500;
}

.lhz-breadcrumb a:hover {
  color: #FFFFFF;
}

/* ==========================================================================
   Feature, Pillar & Process Cards
   ========================================================================== */

.lhz-feature-card {
  background-color: var(--lhz-surface);
  border: 1px solid var(--lhz-border);
  border-radius: var(--lhz-radius-md);
  padding: 1.85rem;
  height: 100%;
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}

.lhz-feature-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--lhz-shadow-md);
  border-color: var(--lhz-border-strong);
}

.lhz-icon-box {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background-color: var(--lhz-emerald-soft);
  color: var(--lhz-emerald);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.2rem;
}

.lhz-icon-box svg {
  width: 24px;
  height: 24px;
}

.lhz-feature-card h3 {
  margin-bottom: 0.65rem;
}

.lhz-feature-card p {
  margin-bottom: 0;
  color: var(--lhz-muted);
  font-size: 0.96rem;
}

/* ==========================================================================
   Service Cards (Strictly Image + Heading + Description + Apply Now Button)
   Zero tags, zero badges!
   ========================================================================== */

.lhz-service-card {
  background-color: var(--lhz-surface);
  border: 1px solid var(--lhz-border);
  border-radius: var(--lhz-radius-md);
  overflow: hidden;
  height: 100%;
  display: flex;
  flex-direction: column;
  transition: transform 0.22s ease, box-shadow 0.22s ease, border-color 0.22s ease;
}

.lhz-service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--lhz-shadow-md);
  border-color: var(--lhz-border-strong);
}

.lhz-service-img-wrap {
  overflow: hidden;
  background-color: var(--lhz-surface-alt);
}

.lhz-service-card img {
  width: 100%;
  aspect-ratio: 16 / 10;
  object-fit: cover;
  transition: transform 0.35s ease;
}

.lhz-service-card:hover img {
  transform: scale(1.03);
}

.lhz-service-body {
  padding: 1.65rem;
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}

.lhz-service-body h3 {
  margin-bottom: 0.7rem;
  font-size: 1.24rem;
}

.lhz-service-title-link {
  color: var(--lhz-ink);
  text-decoration: none;
}

.lhz-service-title-link:hover {
  color: var(--lhz-emerald);
}

.lhz-service-body p {
  color: var(--lhz-muted);
  font-size: 0.96rem;
  margin-bottom: 1.45rem;
  flex-grow: 1;
}

.lhz-service-body .lhz-btn {
  align-self: flex-start;
}

/* ==========================================================================
   Working Loan Calculator
   ========================================================================== */

.lhz-calc-shell {
  background-color: var(--lhz-surface);
  border: 1px solid var(--lhz-border);
  border-radius: var(--lhz-radius-lg);
  box-shadow: var(--lhz-shadow-md);
  overflow: hidden;
}

.lhz-calc-inputs {
  padding: 2.25rem;
}

.lhz-calc-results {
  padding: 2.25rem;
  background: linear-gradient(165deg, var(--lhz-navy) 0%, var(--lhz-forest) 100%);
  color: #FFFFFF;
  height: 100%;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.lhz-calc-field {
  margin-bottom: 1.5rem;
}

.lhz-calc-label-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.75rem;
  margin-bottom: 0.55rem;
}

.lhz-calc-label-row label {
  font-weight: 600;
  color: var(--lhz-ink);
  font-size: 0.95rem;
}

.lhz-calc-range {
  width: 100%;
  accent-color: var(--lhz-emerald);
  margin-top: 0.55rem;
  cursor: pointer;
}

.lhz-term-presets {
  display: flex;
  flex-wrap: wrap;
  gap: 0.45rem;
  margin-top: 0.65rem;
}

.lhz-preset-btn {
  background-color: var(--lhz-surface-alt);
  border: 1px solid var(--lhz-border);
  color: var(--lhz-ink);
  border-radius: 6px;
  padding: 0.35rem 0.68rem;
  font-size: 0.82rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.18s ease;
}

.lhz-preset-btn:hover,
.lhz-preset-btn.is-active {
  background-color: var(--lhz-emerald);
  border-color: var(--lhz-emerald);
  color: #FFFFFF;
}

.lhz-calc-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 1.25rem;
}

.lhz-calc-monthly-label {
  font-size: 0.84rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--lhz-gold-light);
  font-weight: 700;
  margin-bottom: 0.35rem;
}

.lhz-calc-monthly-value {
  font-family: var(--lhz-font-serif);
  font-size: clamp(2.3rem, 4vw, 3.1rem);
  font-weight: 600;
  color: #FFFFFF;
  line-height: 1.1;
  margin-bottom: 1.35rem;
}

.lhz-calc-bar {
  height: 12px;
  border-radius: 999px;
  background-color: rgba(255, 255, 255, 0.16);
  overflow: hidden;
  display: flex;
  margin-bottom: 0.65rem;
}

.lhz-calc-bar-principal {
  background-color: #38B28B;
  height: 100%;
  transition: width 0.25s ease;
}

.lhz-calc-bar-interest {
  background-color: var(--lhz-gold-light);
  height: 100%;
  transition: width 0.25s ease;
}

.lhz-calc-legend {
  display: flex;
  justify-content: space-between;
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.82);
  margin-bottom: 1.5rem;
}

.lhz-legend-dot {
  display: inline-block;
  width: 9px;
  height: 9px;
  border-radius: 50%;
  margin-right: 0.38rem;
}

.lhz-dot-principal {
  background-color: #38B28B;
}

.lhz-dot-interest {
  background-color: var(--lhz-gold-light);
}

.lhz-calc-summary-list {
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  padding-top: 1.1rem;
  margin-bottom: 1.5rem;
}

.lhz-calc-summary-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.55rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  font-size: 0.95rem;
}

.lhz-calc-summary-item span:first-child {
  color: rgba(255, 255, 255, 0.78);
}

.lhz-calc-summary-item strong {
  color: #FFFFFF;
  font-weight: 700;
}

.lhz-calc-note {
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.68);
  margin-top: 0.9rem;
  margin-bottom: 0;
}

/* ==========================================================================
   Split Editorial Feature & Checklists
   ========================================================================== */

.lhz-split-img {
  border-radius: var(--lhz-radius-lg);
  overflow: hidden;
  box-shadow: var(--lhz-shadow-md);
  border: 1px solid var(--lhz-border);
}

.lhz-split-img img {
  width: 100%;
  aspect-ratio: 16 / 11;
  object-fit: cover;
}

.lhz-checklist {
  list-style: none;
  padding: 0;
  margin: 1.35rem 0 1.85rem;
}

.lhz-checklist li {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  margin-bottom: 0.85rem;
  color: var(--lhz-ink);
  font-weight: 500;
}

.lhz-checklist li svg {
  width: 20px;
  height: 20px;
  color: var(--lhz-emerald);
  flex-shrink: 0;
  margin-top: 0.2rem;
}

/* ==========================================================================
   Testimonials (Strictly Quote + Name ONLY)
   ========================================================================== */

.lhz-testimonial-card {
  background-color: var(--lhz-surface);
  border: 1px solid var(--lhz-border);
  border-radius: var(--lhz-radius-md);
  padding: 1.85rem;
  height: 100%;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: var(--lhz-shadow-sm);
}

.lhz-quote-mark {
  color: var(--lhz-gold);
  width: 28px;
  height: 28px;
  margin-bottom: 1rem;
  opacity: 0.85;
}

.lhz-testimonial-quote {
  font-size: 0.98rem;
  line-height: 1.7;
  color: var(--lhz-body);
  margin-bottom: 1.35rem;
  font-style: normal;
}

.lhz-testimonial-name {
  font-weight: 700;
  font-size: 0.96rem;
  color: var(--lhz-ink);
  margin-bottom: 0;
  padding-top: 0.95rem;
  border-top: 1px solid var(--lhz-border);
}

/* ==========================================================================
   Bootstrap 5 Accordion Customization
   ========================================================================== */

.lhz-accordion .accordion-item {
  border: 1px solid var(--lhz-border);
  border-radius: var(--lhz-radius-sm) !important;
  margin-bottom: 0.85rem;
  overflow: hidden;
  background-color: var(--lhz-surface);
}

.lhz-accordion .accordion-button {
  font-family: var(--lhz-font-sans);
  font-weight: 600;
  font-size: 1.02rem;
  color: var(--lhz-ink);
  background-color: var(--lhz-surface);
  padding: 1.15rem 1.35rem;
  box-shadow: none;
}

.lhz-accordion .accordion-button:not(.collapsed) {
  color: var(--lhz-emerald);
  background-color: var(--lhz-emerald-soft);
  box-shadow: none;
}

.lhz-accordion .accordion-button:focus {
  box-shadow: 0 0 0 3px rgba(22, 110, 85, 0.18);
}

.lhz-accordion .accordion-body {
  padding: 1.15rem 1.35rem 1.35rem;
  color: var(--lhz-body);
  font-size: 0.97rem;
  line-height: 1.7;
  background-color: var(--lhz-surface);
}

/* ==========================================================================
   Blog Cards & Blog Article Layout (Zero Meta!)
   ========================================================================== */

.lhz-blog-card {
  background-color: var(--lhz-surface);
  border: 1px solid var(--lhz-border);
  border-radius: var(--lhz-radius-md);
  overflow: hidden;
  height: 100%;
  display: flex;
  flex-direction: column;
  transition: transform 0.22s ease, box-shadow 0.22s ease;
}

.lhz-blog-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--lhz-shadow-md);
}

.lhz-blog-card img {
  width: 100%;
  aspect-ratio: 16 / 10;
  object-fit: cover;
}

.lhz-blog-body {
  padding: 1.65rem;
  display: flex;
  flex-direction: column;
  flex-grow: 1;
}

.lhz-blog-body h3 {
  font-size: 1.2rem;
  margin-bottom: 0.75rem;
}

.lhz-blog-body h3 a {
  color: var(--lhz-ink);
}

.lhz-blog-body h3 a:hover {
  color: var(--lhz-emerald);
}

.lhz-blog-body p {
  color: var(--lhz-muted);
  font-size: 0.95rem;
  flex-grow: 1;
  margin-bottom: 1.25rem;
}

.lhz-text-link {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-weight: 700;
  font-size: 0.93rem;
  color: var(--lhz-emerald);
}

.lhz-text-link:hover {
  color: var(--lhz-emerald-hover);
  gap: 0.58rem;
}

.lhz-article-wrap {
  max-width: 800px;
  margin: 0 auto;
}

.lhz-article-hero-img {
  border-radius: var(--lhz-radius-lg);
  overflow: hidden;
  margin-bottom: 2.5rem;
  box-shadow: var(--lhz-shadow-md);
  border: 1px solid var(--lhz-border);
}

.lhz-article-hero-img img {
  width: 100%;
  aspect-ratio: 16 / 9;
  object-fit: cover;
}

.lhz-article-content p {
  font-size: 1.06rem;
  line-height: 1.82;
  color: var(--lhz-body);
  margin-bottom: 1.45rem;
}

.lhz-article-content h2 {
  font-size: 1.65rem;
  margin-top: 2.35rem;
  margin-bottom: 0.95rem;
}

/* ==========================================================================
   Forms, Inputs, Validation & Feedback Banners
   ========================================================================== */

.lhz-form-card {
  background-color: var(--lhz-surface);
  border: 1px solid var(--lhz-border);
  border-radius: var(--lhz-radius-lg);
  padding: 2.35rem;
  box-shadow: var(--lhz-shadow-md);
}

.lhz-form-group {
  margin-bottom: 1.25rem;
}

.lhz-label {
  display: block;
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--lhz-ink);
  margin-bottom: 0.42rem;
}

.lhz-req {
  color: var(--lhz-danger);
}

.lhz-input,
.lhz-select,
.lhz-textarea {
  width: 100%;
  font-family: var(--lhz-font-sans);
  font-size: 0.96rem;
  color: var(--lhz-ink);
  background-color: #FFFFFF;
  border: 1.5px solid var(--lhz-border-strong);
  border-radius: var(--lhz-radius-sm);
  padding: 0.74rem 0.95rem;
  transition: border-color 0.18s ease, box-shadow 0.18s ease;
}

.lhz-input:focus,
.lhz-select:focus,
.lhz-textarea:focus {
  outline: none;
  border-color: var(--lhz-emerald);
  box-shadow: 0 0 0 3px rgba(22, 110, 85, 0.16);
}

.lhz-textarea {
  min-height: 130px;
  resize: vertical;
}

.lhz-input.is-invalid,
.lhz-select.is-invalid,
.lhz-textarea.is-invalid {
  border-color: var(--lhz-danger);
  background-color: #FFFBFB;
}

.lhz-field-error {
  display: none;
  font-size: 0.83rem;
  font-weight: 500;
  color: var(--lhz-danger);
  margin-top: 0.35rem;
}

.lhz-field-error.is-visible {
  display: block;
}

.lhz-form-status {
  display: none;
  padding: 0.9rem 1.1rem;
  border-radius: var(--lhz-radius-sm);
  font-size: 0.93rem;
  font-weight: 500;
  margin-top: 1rem;
  line-height: 1.5;
}

.lhz-form-status.is-error {
  display: block;
  background-color: var(--lhz-danger-bg);
  border: 1px solid var(--lhz-danger-border);
  color: var(--lhz-danger);
}

.lhz-form-status.is-success {
  display: block;
  background-color: var(--lhz-success-bg);
  border: 1px solid var(--lhz-success-border);
  color: var(--lhz-success);
}

/* Contact Info & Sidebar Boxes */
.lhz-info-panel {
  background-color: var(--lhz-surface);
  border: 1px solid var(--lhz-border);
  border-radius: var(--lhz-radius-md);
  padding: 1.85rem;
  height: 100%;
}

.lhz-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 0.95rem;
  padding: 1.05rem 0;
  border-bottom: 1px solid var(--lhz-border);
}

.lhz-contact-item > div:last-child {
  min-width: 0;
  overflow-wrap: anywhere;
}

.lhz-contact-item:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.lhz-contact-item:first-child {
  padding-top: 0;
}

.lhz-contact-item h3 {
  font-size: 0.98rem;
  margin-bottom: 0.22rem;
}

.lhz-contact-item p {
  margin-bottom: 0;
  color: var(--lhz-muted);
  font-size: 0.95rem;
}

/* Service Detail Sidebar Links */
.lhz-service-nav {
  list-style: none;
  padding: 0;
  margin: 0;
}

.lhz-service-nav li {
  margin-bottom: 0.5rem;
}

.lhz-service-nav a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.8rem 1rem;
  border-radius: var(--lhz-radius-sm);
  border: 1px solid var(--lhz-border);
  background-color: var(--lhz-surface);
  color: var(--lhz-ink);
  font-weight: 600;
  font-size: 0.94rem;
  transition: all 0.18s ease;
}

.lhz-service-nav a:hover,
.lhz-service-nav a.is-current {
  background-color: var(--lhz-emerald);
  border-color: var(--lhz-emerald);
  color: #FFFFFF;
}

/* Legal Prose */
.lhz-legal-card {
  background-color: var(--lhz-surface);
  border: 1px solid var(--lhz-border);
  border-radius: var(--lhz-radius-lg);
  padding: 2.75rem;
  max-width: 900px;
  margin: 0 auto;
}

.lhz-legal-card h2 {
  font-size: 1.48rem;
  margin-top: 2rem;
  margin-bottom: 0.75rem;
}

.lhz-legal-card h2:first-child {
  margin-top: 0;
}

.lhz-legal-card ul {
  padding-left: 1.25rem;
  margin-bottom: 1.25rem;
}

.lhz-legal-card li {
  margin-bottom: 0.45rem;
}

/* CTA Banner */
.lhz-cta-box {
  background: linear-gradient(135deg, var(--lhz-navy) 0%, var(--lhz-forest) 100%);
  border-radius: var(--lhz-radius-lg);
  padding: 3.25rem 2.75rem;
  color: #FFFFFF;
  border: 1px solid rgba(255, 255, 255, 0.1);
  box-shadow: var(--lhz-shadow-lg);
}

.lhz-cta-box h2 {
  color: #FFFFFF;
  margin-bottom: 0.75rem;
}

.lhz-cta-box p {
  color: rgba(255, 255, 255, 0.84);
  margin-bottom: 0;
  font-size: 1.05rem;
}

.lhz-cta-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  justify-content: flex-end;
}

/* ==========================================================================
   Footer (Strictly Four Equal Columns + © <current year> Copyright)
   ========================================================================== */

.lhz-footer {
  background-color: var(--lhz-navy);
  color: rgba(255, 255, 255, 0.8);
  padding: 4.5rem 0 0;
  border-top: 3px solid var(--lhz-gold);
}

.lhz-footer-logo {
  display: inline-block;
  margin-bottom: 1.1rem;
}

.lhz-footer-logo img {
  height: 36px;
  width: auto;
  max-width: 220px;
}

.lhz-footer-heading {
  font-family: var(--lhz-font-sans);
  font-size: 1.02rem;
  font-weight: 700;
  color: #FFFFFF;
  margin-bottom: 1.15rem;
  letter-spacing: 0;
}

.lhz-footer-text {
  font-size: 0.92rem;
  color: rgba(255, 255, 255, 0.76);
  margin-bottom: 1rem;
}

.lhz-footer-links,
.lhz-footer-contact {
  list-style: none;
  padding: 0;
  margin: 0;
}

.lhz-footer-links li {
  margin-bottom: 0.58rem;
}

.lhz-footer-links a {
  color: rgba(255, 255, 255, 0.78);
  font-size: 0.93rem;
  transition: color 0.18s ease;
}

.lhz-footer-links a:hover {
  color: var(--lhz-gold-light);
}

.lhz-footer-contact li {
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.82);
  margin-bottom: 0.5rem;
  line-height: 1.5;
}

.lhz-footer-contact a {
  color: rgba(255, 255, 255, 0.88);
}

.lhz-footer-contact a:hover {
  color: var(--lhz-gold-light);
}

.lhz-footer-form .lhz-input {
  background-color: rgba(255, 255, 255, 0.08);
  border-color: rgba(255, 255, 255, 0.22);
  color: #FFFFFF;
  margin-bottom: 0.65rem;
}

.lhz-footer-form .lhz-input::placeholder {
  color: rgba(255, 255, 255, 0.56);
}

.lhz-footer-form .lhz-input:focus {
  background-color: rgba(255, 255, 255, 0.13);
  border-color: var(--lhz-gold-light);
  box-shadow: 0 0 0 3px rgba(212, 168, 83, 0.22);
}

.lhz-footer-form .lhz-input.is-invalid {
  border-color: #FDA29B;
  background-color: rgba(180, 35, 24, 0.16);
}

.lhz-footer-form .lhz-field-error {
  color: #FDA29B;
  margin-top: -0.35rem;
  margin-bottom: 0.6rem;
}

.lhz-footer-form .lhz-form-status {
  font-size: 0.85rem;
  padding: 0.65rem 0.85rem;
  margin-top: 0.65rem;
}

.lhz-footer-sublinks {
  margin-top: 0.85rem;
  font-size: 0.83rem;
  color: rgba(255, 255, 255, 0.68);
}

.lhz-footer-sublinks a {
  color: rgba(255, 255, 255, 0.84);
  text-decoration: underline;
  text-underline-offset: 2px;
}

.lhz-footer-sublinks a:hover {
  color: var(--lhz-gold-light);
}

.lhz-footer-bottom {
  margin-top: 3.5rem;
  padding: 1.45rem 0;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  text-align: center;
}

.lhz-copyright {
  margin: 0;
  font-size: 0.89rem;
  color: rgba(255, 255, 255, 0.74);
}

/* ==========================================================================
   Responsive Design (Tablet & Mobile Viewports)
   ========================================================================== */

@media (max-width: 991.98px) {
  .row.g-5 {
    --bs-gutter-x: 1.5rem;
    --bs-gutter-y: 2rem;
  }

  .lhz-blog-header-cta {
    text-align: left !important;
  }

  .lhz-navbar .navbar-collapse {
    margin-top: 0.85rem;
    padding: 1rem;
    background-color: var(--lhz-surface);
    border: 1px solid var(--lhz-border);
    border-radius: var(--lhz-radius-md);
    box-shadow: var(--lhz-shadow-md);
  }

  .lhz-navbar .navbar-nav {
    margin-right: 0;
    margin-bottom: 0.85rem;
  }

  .lhz-nav-actions .lhz-btn {
    width: 100%;
  }

  .lhz-hero {
    padding: 3.25rem 0 3.75rem;
  }

  .lhz-hero-copy {
    padding-right: 0;
    margin-bottom: 2rem;
  }

  .lhz-section {
    padding: 3.75rem 0;
  }

  .lhz-cta-actions {
    justify-content: flex-start;
    margin-top: 1.25rem;
  }
}

@media (max-width: 575.98px) {
  .lhz-topbar {
    font-size: 0.78rem;
  }

  .lhz-topbar-list {
    gap: 0.3rem 0.9rem;
  }

  .lhz-brand {
    margin-right: 0.5rem;
  }

  .lhz-brand img {
    height: 31px;
    max-width: calc(100vw - 102px);
  }

  .lhz-hero-actions .lhz-btn,
  .lhz-calc-actions .lhz-btn,
  .lhz-cta-actions .lhz-btn {
    width: 100%;
  }

  .lhz-calc-inputs,
  .lhz-calc-results,
  .lhz-form-card,
  .lhz-legal-card {
    padding: 1.45rem;
  }

  .lhz-cta-box {
    padding: 2.1rem 1.45rem;
  }

  .lhz-hero-caption {
    flex-direction: column;
    align-items: flex-start;
  }
}