/* Mills Mortgage Services
   Layout: plain white pages, one blue accent, thin rules instead of boxes. */
@font-face{font-family:"Manrope";src:url("fonts/manrope.woff2") format("woff2");font-weight:200 800;font-display:swap}
@font-face{font-family:"Poppins";src:url("fonts/poppins-400.woff2") format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"Poppins";src:url("fonts/poppins-500.woff2") format("woff2");font-weight:500;font-display:swap}
@font-face{font-family:"Poppins";src:url("fonts/poppins-600.woff2") format("woff2");font-weight:600;font-display:swap}

:root{
  --blue:#004AAD;
  --blue-deep:#003A88;
  --tint:#EEF3FA;
  --paper:#F7F7F5;
  --ink:#16202E;
  --muted:#5A6573;
  --line:#DDE2E8;
  --navy:#0E1C33;
  --star:#E8A600;
  --display:"Manrope",system-ui,-apple-system,"Segoe UI",sans-serif;
  --body:"Poppins",system-ui,-apple-system,"Segoe UI",sans-serif;
  --max:1120px;
  color-scheme:light;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;font-family:var(--body);color:var(--ink);background:#fff;line-height:1.7;font-size:16px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--blue);text-underline-offset:3px}
h1,h2,h3{font-family:var(--display);font-weight:700;letter-spacing:-0.02em;line-height:1.15;margin:0 0 .55em;text-wrap:balance}
h1{font-size:clamp(2.2rem,4.4vw,3.3rem)}
h2{font-size:clamp(1.6rem,2.8vw,2.1rem)}
h3{font-size:1.1rem;letter-spacing:-0.01em;line-height:1.35;margin-bottom:.35em}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding-inline:24px}
.narrow{max-width:720px}
.skip{position:absolute;left:-999px}
.skip:focus{left:16px;top:16px;background:#fff;padding:8px 12px;z-index:100}
:focus-visible{outline:3px solid #8AB4F8;outline-offset:2px}
.lede{font-size:1.15rem;color:var(--muted);max-width:58ch}
.muted{color:var(--muted)}
.small{font-size:.9rem}

/* header */
.site-header{background:var(--blue);position:sticky;top:env(safe-area-inset-top,0px);z-index:50}
.site-header .wrap{display:flex;align-items:center;gap:32px;height:74px}
.brand{font-family:var(--display);font-weight:600;font-size:1.15rem;letter-spacing:-0.01em;color:#fff;text-decoration:none;margin-right:auto;white-space:nowrap}
.nav{display:flex;align-items:center;gap:26px}
.nav a{color:#fff;opacity:.9;text-decoration:none;font-size:.94rem;white-space:nowrap}
.nav a:hover,.nav a[aria-current=page]{opacity:1;text-decoration:underline;text-underline-offset:7px}
.head-phone{color:#fff;text-decoration:none;font-weight:600;font-size:.94rem;white-space:nowrap}
.menu-btn{display:none;background:none;border:1px solid rgba(255,255,255,.5);border-radius:6px;padding:8px 12px;font:inherit;font-size:.9rem;color:#fff;cursor:pointer}
@media (max-width:1240px){.head-phone{display:none}}
@media (max-width:1040px){.nav{gap:18px}.nav .btn{display:none}}
@media (max-width:860px){
  .menu-btn{display:block}
  .nav{display:none;position:absolute;top:74px;left:0;right:0;background:var(--blue);flex-direction:column;align-items:stretch;gap:0;padding:4px 24px 20px;border-top:1px solid rgba(255,255,255,.18)}
  .nav.open{display:flex}
  .nav a{padding:13px 0;border-bottom:1px solid rgba(255,255,255,.18);font-size:1.05rem;text-decoration:none!important}
  .nav .btn{display:block;margin-top:16px;border:0}
}
@media (min-width:861px){.nav .btn{padding:9px 16px;font-size:.9rem;margin-left:6px}}

/* buttons */
.btn{display:inline-block;padding:13px 24px;border-radius:6px;font-weight:500;font-size:.97rem;text-decoration:none;border:1px solid transparent;cursor:pointer;font-family:inherit;text-align:center;white-space:nowrap}
.btn-blue{background:var(--blue);color:#fff}
.btn-blue:hover{background:var(--blue-deep)}
.btn-line{border-color:var(--ink);color:var(--ink);background:#fff}
.btn-line:hover{background:var(--paper)}
.btn-sm{padding:9px 16px;font-size:.9rem}
.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}

/* sections */
.sec{padding-block:88px}
.sec + .sec{border-top:1px solid var(--line)}
.sec-paper{background:var(--paper);border-top:0!important}
.sec-paper + .sec{border-top:0}
@media (max-width:700px){.sec{padding-block:64px}}
.head-row{display:flex;justify-content:space-between;align-items:baseline;gap:12px 32px;flex-wrap:wrap;margin-bottom:36px}
.head-row h2{margin:0}
.two{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start}
.two > *{min-width:0}
@media (max-width:880px){.two{grid-template-columns:1fr;gap:40px}}

/* home intro */
.intro{padding-block:88px 84px;background:linear-gradient(90deg,rgba(244,244,243,.88) 0%,rgba(244,244,243,.7) 50%,rgba(244,244,243,.25) 100%),#F4F4F3 url("hero.webp") center/cover no-repeat}
.intro .lede{color:#3F4A58}
@media (max-width:880px){.intro{background:linear-gradient(rgba(244,244,243,.8),rgba(244,244,243,.8)),#F4F4F3 url("hero.webp") 60% center/cover no-repeat}}
.page-head{background:linear-gradient(90deg,rgba(244,244,243,.9),rgba(244,244,243,.6)),#F4F4F3 url("hero.webp") center 60%/cover no-repeat}
.page-head .lede{color:#3F4A58}
.badge{display:inline-block;margin-top:28px}
.badge img{width:170px;height:auto}
.intro .wrap{display:grid;grid-template-columns:1.35fr 1fr;gap:72px;align-items:center}
.intro .wrap > *{min-width:0}
.rating{display:inline-flex;gap:8px;align-items:center;margin-top:26px;color:var(--muted);font-size:.92rem;text-decoration:none}
.rating .stars{color:var(--star);letter-spacing:2px}
.rating:hover span:last-child{text-decoration:underline}
.intro.solo .wrap{grid-template-columns:1fr}
.intro.solo .wrap > div{max-width:760px}
@media (max-width:880px){.intro{padding-block:48px 56px}.intro .wrap{grid-template-columns:1fr;gap:40px}}

/* fee panel */
.fee-panel{background:var(--tint);border-radius:8px;padding:28px 30px}
.fee-panel h3{font-size:1.1rem;margin-bottom:12px}
.fee-panel dl{margin:0}
.fee-panel .row:first-child{border-top:0;padding-top:0}
.fee-panel .row{display:flex;justify-content:space-between;align-items:baseline;gap:16px;padding:13px 0;border-top:1px solid #CFDAEA}
.fee-panel dt{font-size:.95rem;color:var(--ink)}
.fee-panel dd{margin:0;font-family:var(--display);font-weight:700;font-size:1.1rem;white-space:nowrap;color:var(--blue)}
.fee-panel p{margin:14px 0 0;font-size:.88rem;color:var(--muted)}

/* meet adam */
.meet{display:grid;grid-template-columns:300px 1fr;gap:56px;align-items:start}
.meet img{width:100%;height:auto;aspect-ratio:4/5;object-fit:cover;border-radius:8px}
.meet .sig{margin-top:22px;font-size:.93rem;color:var(--muted)}
.meet .sig b{display:block;color:var(--ink);font-family:var(--display);font-size:1.05rem}
@media (max-width:760px){.meet{grid-template-columns:1fr;gap:28px}.meet img{max-width:240px}}

/* services list */
.list{display:grid;grid-template-columns:1fr 1fr;column-gap:64px}
.list > div{padding:22px 0;border-top:1px solid var(--line)}
.list p{margin:0;color:var(--muted);font-size:.96rem}
@media (max-width:760px){.list{grid-template-columns:1fr}}

/* service detail */
.detail{display:grid;grid-template-columns:280px 1fr;gap:48px;padding-block:32px;border-top:1px solid var(--line);scroll-margin-top:96px}
.detail:first-child{border-top:0;padding-top:0}
.detail h2{font-size:1.3rem;margin:0}
.detail p{margin:0;color:var(--muted);max-width:64ch}
@media (max-width:760px){.detail{grid-template-columns:1fr;gap:10px}}

/* steps */
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:32px}
.steps li{border-top:2px solid var(--blue);padding-top:18px}
.steps .n{display:block;font-size:.85rem;color:var(--blue);font-weight:600;margin-bottom:6px}
.steps p{margin:0;color:var(--muted);font-size:.95rem}
@media (max-width:880px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.steps{grid-template-columns:1fr;gap:24px}}

/* reviews */
.quotes{display:grid;grid-template-columns:1.3fr 1fr;gap:48px;align-items:start}
.quotes > *{min-width:0}
.quote{margin:0}
.quote blockquote{margin:0 0 14px}
.quote.lead blockquote{font-family:var(--display);font-size:clamp(1.25rem,2.2vw,1.55rem);line-height:1.45;font-weight:500;letter-spacing:-0.01em}
.quote.lead blockquote::before{content:"\201C";display:block;font-size:3.2rem;line-height:1;color:var(--blue);height:30px}
.quote figcaption{font-size:.9rem;color:var(--muted)}
.quote figcaption b{color:var(--ink);font-weight:600}
.quote .stars{color:var(--star);letter-spacing:2px;margin-right:6px}
.quote-stack{display:grid;gap:28px}
.quote-stack .quote{padding-top:24px;border-top:1px solid var(--line)}
.quote-stack .quote:first-child{padding-top:0;border-top:0}
.quote-stack blockquote{font-size:.96rem}
@media (max-width:880px){.quotes{grid-template-columns:1fr;gap:36px}}

/* ticks */
.ticks{list-style:none;padding:0;margin:0 0 1.2em;display:grid;gap:10px}
.ticks li{position:relative;padding-left:28px}
.ticks li::before{content:"";position:absolute;left:2px;top:.55em;width:12px;height:7px;border-left:2px solid var(--blue);border-bottom:2px solid var(--blue);transform:rotate(-45deg)}

/* page header */
.page-head{padding-block:64px 52px}
.page-head h1{max-width:22ch}
.page-head .lede{margin:0}
@media (max-width:700px){.page-head{padding-block:44px 36px}}

/* forms */
.form{border:1px solid var(--line);border-radius:8px;padding:30px;background:#fff}
.adviser{display:flex;gap:14px;align-items:center;margin-bottom:22px}
.adviser img{width:52px;height:52px;border-radius:50%;object-fit:cover;flex:none}
.adviser h3{margin:0;font-size:1.15rem}
.adviser span{font-size:.88rem;color:var(--muted)}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:560px){.form{padding:22px 18px}.form .row{grid-template-columns:1fr;gap:0}}
.field{margin-bottom:14px;min-width:0}
.field label{display:block;font-size:.86rem;font-weight:500;margin-bottom:5px}
.field input,.field select,.field textarea{width:100%;padding:11px 12px;border:1px solid #C9D0D9;border-radius:6px;font:inherit;font-size:.95rem;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(0,74,173,.15)}
.check{display:flex;gap:10px;align-items:flex-start;font-size:.85rem;color:var(--muted);margin:4px 0 18px}
.check input{margin-top:5px;accent-color:var(--blue)}
.form .btn{width:100%}
.form-msg{display:none;padding:12px 14px;border-radius:6px;margin-top:14px;font-size:.92rem}
.form-msg.ok{display:block;background:#ECFDF3;color:#05603A}
.form-msg.err{display:block;background:#FEF3F2;color:#B42318}
.contact-lines{list-style:none;padding:0;margin:24px 0 0;display:grid;gap:14px}
.contact-lines small{display:block;color:var(--muted);font-size:.82rem}
.contact-lines a,.contact-lines span{color:var(--ink);text-decoration:none;font-weight:500;overflow-wrap:anywhere}
.contact-lines a:hover{color:var(--blue)}

/* fee table */
.table-wrap{overflow-x:auto}
.fee-table{width:100%;border-collapse:collapse;min-width:480px}
.fee-table th,.fee-table td{text-align:left;padding:18px 0;border-bottom:1px solid var(--line);vertical-align:top}
.fee-table th{font-size:.85rem;color:var(--muted);font-weight:500;border-bottom:2px solid var(--ink);padding-top:0}
.fee-table td:last-child,.fee-table th:last-child{text-align:right;padding-left:24px}
.fee-table td:last-child{font-family:var(--display);font-weight:700;white-space:nowrap}
.fee-table small{display:block;color:var(--muted);font-size:.85rem}
.fee-table .hl td:last-child{color:var(--blue)}
.notes{display:grid;grid-template-columns:1fr 1fr;column-gap:56px;margin-top:40px}
.notes > div{padding:20px 0;border-top:1px solid var(--line)}
.notes p{margin:0;color:var(--muted);font-size:.95rem}
@media (max-width:700px){.notes{grid-template-columns:1fr}}

/* partners */
.partners{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.partners small{color:var(--muted)}

/* newsletter */
.newsletter{display:flex;gap:10px;flex-wrap:wrap}
.newsletter input{flex:1 1 200px;min-width:0;padding:11px 12px;border-radius:6px;border:1px solid #C9D0D9;background:#fff;color:var(--ink);font:inherit;font-size:.95rem}
.site-footer .newsletter input{border-color:rgba(255,255,255,.25);background:transparent;color:#fff}
.site-footer .newsletter input::placeholder{color:#93A2BA}
.hp{display:none}

/* prose */
.prose{max-width:740px}
.prose h2{font-size:1.35rem;margin-top:1.8em}
.prose li{margin-bottom:.4em}

/* footer */
.site-footer{background:var(--navy);color:#AEBBD0;font-size:.92rem;padding-block:64px 28px}
.site-footer a{color:#fff;text-decoration:none}
.site-footer a:hover{text-decoration:underline}
.foot-grid{display:grid;grid-template-columns:1.1fr .7fr 1.2fr;gap:48px}
.foot-grid > *{min-width:0}
@media (max-width:880px){.foot-grid{grid-template-columns:1fr 1fr}.foot-grid > :last-child{grid-column:1/-1}}
@media (max-width:540px){.foot-grid{grid-template-columns:1fr}}
.site-footer h2{color:#fff;font-size:1rem;margin:0 0 12px;letter-spacing:0}
.site-footer ul{list-style:none;padding:0;margin:0;display:grid;gap:7px}
.foot-brand{font-family:var(--display);font-weight:700;color:#fff;font-size:1.1rem;margin-bottom:12px}
.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:48px;padding-top:24px;font-size:.8rem;line-height:1.65;color:#8797B0}
.legal p{margin:0 0 .7em}
.legal .warn{font-weight:600;color:#fff}
.nav a.btn,.nav a.btn:hover{color:var(--blue);background:#fff;opacity:1;text-decoration:none}

/* reviews widget */
.reviews-live:not(:empty) + .quotes{display:none}

/* hero rating card */
.rating-card{background:#fff;border-radius:10px;padding:26px 28px;box-shadow:0 12px 32px -18px rgba(14,28,51,.35);max-width:400px;justify-self:end;width:100%}
.rating-card img{width:150px;height:auto}
.rc-score{margin:10px 0 14px;font-size:.95rem;color:var(--muted)}
.rc-score b{font-family:var(--display);font-size:1.5rem;color:var(--ink);margin-right:2px}
.rating-card blockquote{margin:0 0 16px;font-size:.98rem;line-height:1.6}
.rc-by{display:flex;gap:10px;align-items:center;font-size:.88rem}
.rc-by small{display:block;color:var(--muted);font-size:.8rem}
.rc-link{display:inline-block;margin-top:16px;font-size:.9rem;font-weight:500}
@media (max-width:880px){.rating-card{justify-self:start}}
.av{width:38px;height:38px;border-radius:50%;color:#fff;display:grid;place-items:center;font-weight:600;flex:none}

/* reviews section */
.rv-head{display:flex;align-items:center;gap:20px 32px;flex-wrap:wrap;margin-bottom:32px}
.rv-logo{width:150px;height:auto}
.rv-score{display:flex;align-items:center;gap:10px;flex-wrap:wrap;color:var(--muted);font-size:.95rem;margin-right:auto}
.rv-score{flex-direction:column;align-items:flex-start;gap:4px}
.rv-score h2{margin:0;color:var(--ink)}
.rv-score b{font-family:var(--display);font-size:1.15rem;color:var(--ink)}
.rv-stars{color:var(--star);letter-spacing:2px}
.rv-row{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.rv{scroll-snap-align:start;background:#fff;border:1px solid var(--line);border-radius:10px;padding:22px 22px 18px;display:flex;flex-direction:column;min-width:0}
.rv header{display:flex;gap:12px;align-items:center;margin-bottom:10px}
.rv header b{display:block;font-size:.95rem;line-height:1.3}
.rv header small{color:var(--muted);font-size:.8rem}
.rv-text{margin:8px 0 0;font-size:.93rem;display:-webkit-box;-webkit-line-clamp:6;-webkit-box-orient:vertical;overflow:hidden}
.rv.open .rv-text{-webkit-line-clamp:unset;display:block}
.rv-more{align-self:flex-start;background:none;border:0;padding:8px 0 0;color:var(--blue);font:inherit;font-size:.88rem;font-weight:500;cursor:pointer}
@media (max-width:1060px){.rv-row{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){.rv-row{grid-template-columns:none;grid-auto-flow:column;grid-auto-columns:86%;overflow-x:auto;scroll-snap-type:x mandatory;padding-bottom:10px}}

/* rating line under forms */
.rating-line{display:block;text-align:center;margin-top:14px;font-size:.85rem;color:var(--muted);text-decoration:none}
.rating-line:hover{color:var(--ink)}

/* landing page headline and adviser byline */
.caps{text-transform:uppercase;letter-spacing:0;font-size:clamp(2rem,3.8vw,2.9rem)}
.byline{display:flex;gap:14px;align-items:center;margin:-4px 0 22px}
.byline img{width:64px;height:64px;border-radius:50%;object-fit:cover}
.byline span{font-size:.9rem;color:var(--muted);line-height:1.4}
.byline b{display:block;color:var(--ink);font-size:1rem}

/* mobile call bar */
.call-bar{display:none}
@media (max-width:700px){
  .call-bar{display:grid;grid-template-columns:1fr 1fr;position:fixed;left:0;right:0;bottom:0;z-index:60;background:#fff;border-top:1px solid var(--line);padding:10px 12px calc(10px + env(safe-area-inset-bottom,0px));gap:10px;box-shadow:0 -6px 20px -12px rgba(14,28,51,.3)}
  .call-bar a{text-align:center;padding:12px;border-radius:6px;font-weight:600;text-decoration:none;font-size:.95rem}
  .call-bar a:first-child{border:1px solid var(--blue);color:var(--blue)}
  .call-bar a:last-child{background:var(--blue);color:#fff}
  body{padding-bottom:72px}
}

/* live review extras */
img.av{object-fit:cover}
.rv-name{display:block;font-weight:600;font-size:.95rem;line-height:1.3;color:var(--ink);text-decoration:none}
a.rv-name:hover{text-decoration:underline}
.rv-src{margin-top:auto;padding-top:10px;font-size:.8rem;color:var(--muted)}
.rv-attrib{font-size:.8rem;color:var(--muted);margin-top:14px}
.trust-row{display:inline-flex;align-items:center;gap:16px;margin-top:30px;text-decoration:none;color:var(--muted);font-size:.9rem;line-height:1.45}
.trust-row img{width:120px;height:auto}
.trust-row b{font-family:var(--display);font-size:1.15rem;color:var(--ink)}
.trust-row span span{color:inherit}

/* cookie banner */
.cookie{position:fixed;left:16px;right:16px;bottom:16px;z-index:70;max-width:560px;background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:0 12px 32px -12px rgba(14,28,51,.35);padding:16px 18px;display:flex;gap:14px;align-items:center;flex-wrap:wrap;font-size:.88rem}
.cookie[hidden]{display:none}
.cookie p{margin:0;flex:1 1 260px}
.cookie div{display:flex;gap:8px}
@media (max-width:700px){.cookie{bottom:84px}}

/* news */
.posts{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.post{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:10px;padding:22px 24px;text-decoration:none;color:var(--ink)}
.post:hover{border-color:#B9CDEB}
.post small{color:var(--blue);font-weight:600;font-size:.82rem}
.post h3{margin:6px 0 8px}
.post p{color:var(--muted);font-size:.93rem;margin:0 0 14px;flex:1}
.post span{color:var(--blue);font-weight:500;font-size:.9rem}
@media (max-width:760px){.posts{grid-template-columns:1fr}}
.back{display:inline-block;margin-bottom:14px;font-size:.9rem;text-decoration:none}
.dated{font-size:.88rem;color:var(--muted);border-left:3px solid var(--blue);padding:4px 0 4px 12px;margin-bottom:28px}
.article h2{font-size:1.35rem;margin-top:1.8em}
.article ul,.article ol{padding-left:1.3em}
.post-nav{display:flex;justify-content:space-between;gap:20px;margin-top:48px;padding-top:20px;border-top:1px solid var(--line);font-size:.92rem}
.post-nav a{text-decoration:none;max-width:48%}

/* specialist and local pages */
.land{display:grid;grid-template-columns:1fr 320px;gap:64px;align-items:start}
.land > *{min-width:0}
.land aside{position:sticky;top:100px}
.land .article h2:first-child{margin-top:0}
.land .article ul{padding-left:1.2em}
@media (max-width:880px){.land{grid-template-columns:1fr;gap:40px}.land aside{position:static}}
.detail .more{margin-top:12px;font-size:.95rem}
.faqs{border-top:1px solid var(--line)}
.faq{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;list-style:none;padding:18px 36px 18px 0;font-weight:600;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:4px;top:14px;font-size:1.4rem;color:var(--blue);font-weight:400}
.faq[open] summary::after{content:"\2212"}
.faq p{margin:0 0 20px;color:var(--muted);max-width:64ch}
.cta{display:flex;justify-content:space-between;align-items:center;gap:24px 48px;flex-wrap:wrap}
.cta h2{margin-top:0}
.cta .actions{margin-top:0}
.foot-grid{grid-template-columns:1.1fr .8fr .9fr .9fr 1.2fr;gap:40px}
@media (max-width:1100px){.foot-grid{grid-template-columns:1fr 1fr 1fr}.foot-grid > :last-child{grid-column:1/-1}}
@media (max-width:700px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:440px){.foot-grid{grid-template-columns:1fr}}