:root {
      --liven-green: #5ca701;
      --liven-green-hover: #4e8f00;
      --liven-green-soft: #edf8e1;
      --liven-dark: #1b2932;
      --liven-gray: #486d84;
      --liven-gray-light: #f4f7f9;
      --liven-border: #e6edf2;
      
      --navy-dark: #0f1e36;
      --navy-deep: #081a2d;
      --sky-blue: #0284c7;
      --sky-soft: #e0f2fe;
      --gold: #f59e0b;
      --gold-soft: #fef3c7;
      --gold-dark: #92400e;
      --emerald: #059669;
      --emerald-dark: #047857;
      --emerald-soft: #ecfdf5;
      
      --font-main: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
      --font-display: 'Space Grotesk', system-ui, sans-serif;
      --font-mono: 'JetBrains Mono', monospace;
      
      --radius-4xl: 44px;
      --radius-3xl: 34px;
      --radius-2xl: 26px;
      --radius-xl: 20px;
      --radius-lg: 16px;
      --radius-md: 12px;
      --radius-full: 9999px;
      
      --shadow-subtle: 0 4px 20px -2px rgba(27, 41, 50, 0.05), 0 2px 6px -1px rgba(27, 41, 50, 0.02);
      --shadow-card: 0 10px 30px rgba(27, 41, 50, 0.06);
      --shadow-float: 0 20px 48px rgba(15, 30, 54, 0.12);
    }

    * { box-sizing: border-box; margin: 0; padding: 0; -webkit-tap-highlight-color: transparent; }
    
    html {
      scroll-behavior: smooth;
      background-color: #f7fafc;
      color: var(--liven-dark);
      font-family: var(--font-main);
    }

    body {
      background-color: #ffffff;
      color: var(--liven-dark);
      font-family: var(--font-main);
      line-height: 1.55;
      -webkit-font-smoothing: antialiased;
      overflow-x: hidden;
      display: flex;
      flex-direction: column;
      min-height: 100vh;
    }

    /* ============================================================ */
    /* 1. HERO SECTION: LIVEN DESIGN PATTERN WITH ROOF BANNER        */
    /* ============================================================ */
    .hero-sky-container {
      background: linear-gradient(180deg, rgba(8, 26, 45, 0.42) 0%, rgba(8, 26, 45, 0.20) 45%, rgba(8, 26, 45, 0.72) 100%),
                  url('../assets/images/hero-roof-banner-v3.webp') center bottom/cover no-repeat;
      min-height: 720px;
      padding: 32px 36px 80px;
      position: relative;
      display: flex;
      flex-direction: column;
      align-items: center;
      justify-content: flex-start;
      border-radius: 0 0 54px 54px;
      overflow: hidden;
      box-shadow: 0 18px 50px rgba(17, 41, 60, 0.14);
    }



    /* Floating White Navbar Pill */
    .floating-nav-pill {
      background: #ffffff;
      border-radius: var(--radius-full);
      padding: 10px 16px 10px 32px;
      display: flex;
      align-items: center;
      justify-content: space-between;
      width: 100%;
      max-width: 1180px;
      box-shadow: 0 14px 40px rgba(0, 0, 0, 0.08);
      margin-bottom: 50px;
      position: relative;
      z-index: 10;
      pointer-events: auto;
    }
    .nav-brand-logo {
      display: flex;
      align-items: center;
      text-decoration: none;
    }
    .nav-links-cluster {
      display: flex;
      align-items: center;
      gap: 28px;
      white-space: nowrap;
    }
    .nav-item-link {
      color: var(--liven-dark);
      text-decoration: none;
      font-size: 0.98rem;
      font-weight: 600;
      white-space: nowrap;
      transition: color 0.15s;
    }
    .nav-item-link:hover { color: var(--liven-green); }

    .nav-actions-cluster {
      display: flex;
      align-items: center;
      gap: 12px;
    }
    .nav-search-btn {
      background: #f4f8fa;
      color: var(--liven-dark);
      border: 1.5px solid var(--liven-border);
      width: 52px;
      height: 52px;
      min-height: 52px;
      border-radius: var(--radius-full);
      text-decoration: none;
      display: inline-flex;
      align-items: center;
      justify-content: center;
      transition: all 0.2s ease;
      box-shadow: 0 2px 8px rgba(0, 0, 0, 0.04);
      flex-shrink: 0;
    }
    .nav-search-btn:hover {
      background: #ffffff;
      border-color: var(--liven-green);
      color: var(--liven-green);
      box-shadow: 0 4px 14px rgba(92, 167, 1, 0.22);
      transform: translateY(-2px);
    }
    .nav-btn-green {
      background: var(--liven-green);
      color: #ffffff;
      padding: 16px 34px;
      min-height: 52px;
      border-radius: var(--radius-full);
      font-size: 1.02rem;
      font-weight: 700;
      text-decoration: none;
      border: none;
      cursor: pointer;
      display: inline-flex;
      align-items: center;
      justify-content: center;
      transition: background 0.15s, transform 0.15s, box-shadow 0.15s;
      box-shadow: 0 4px 16px rgba(92, 167, 1, 0.38);
      line-height: 1;
      white-space: nowrap;
    }
    .nav-btn-green:hover {
      background: var(--liven-green-hover);
      transform: translateY(-2px);
      box-shadow: 0 8px 24px rgba(92, 167, 1, 0.48);
    }

    /* Shimmering Light Beam Sweep Animation */
    .btn-shimmer-glow {
      position: relative;
      overflow: hidden;
    }
    .btn-shimmer-glow::after {
      content: '';
      position: absolute;
      top: -50%;
      left: -100%;
      width: 50%;
      height: 200%;
      background: linear-gradient(
        90deg,
        transparent 0%,
        rgba(255, 255, 255, 0) 20%,
        rgba(255, 255, 255, 0.6) 50%,
        rgba(255, 255, 255, 0) 80%,
        transparent 100%
      );
      transform: rotate(25deg);
      animation: lightShimmerSweep 3s ease-in-out infinite;
      pointer-events: none;
    }
    @keyframes lightShimmerSweep {
      0%, 20% { left: -100%; }
      60%, 100% { left: 200%; }
    }

    /* Hero Two-Column Grid */
    .hero-content-grid {
      max-width: 1180px;
      width: 100%;
      display: grid;
      grid-template-columns: 1.15fr 0.85fr;
      gap: 48px;
      align-items: center;
      margin: auto 0;
      position: relative;
      z-index: 10;
    }

    .hero-breadcrumb-tag {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      background: rgba(255, 255, 255, 0.16);
      backdrop-filter: blur(12px);
      border: 1px solid rgba(255, 255, 255, 0.3);
      padding: 6px 14px;
      border-radius: var(--radius-full);
      font-family: var(--font-mono);
      font-size: 0.78rem;
      font-weight: 700;
      color: #ffffff;
      margin-bottom: 18px;
    }
    .hero-breadcrumb-tag a {
      color: #ffffff;
      text-decoration: underline;
      text-underline-offset: 3px;
    }

    .hero-left-copy {
      color: #ffffff;
    }
    .hero-main-title {
      font-family: var(--font-display);
      font-size: clamp(2.4rem, 4.4vw, 3.6rem);
      font-weight: 800;
      line-height: 1.08;
      letter-spacing: -1.2px;
      margin-bottom: 18px;
      text-shadow: 0 2px 10px rgba(0, 0, 0, 0.25);
    }
    .hero-sub-copy {
      font-size: 1.15rem;
      color: rgba(255, 255, 255, 0.95);
      font-weight: 500;
      line-height: 1.5;
      max-width: 580px;
      margin-bottom: 30px;
      text-shadow: 0 1px 4px rgba(0, 0, 0, 0.2);
    }

    .hero-action-buttons-row {
      display: flex;
      flex-wrap: wrap;
      gap: 12px;
    }
    .hero-btn-primary {
      background: var(--liven-green);
      color: #ffffff;
      padding: 16px 30px;
      border-radius: var(--radius-full);
      font-size: 1rem;
      font-weight: 800;
      text-decoration: none;
      display: inline-flex;
      align-items: center;
      gap: 10px;
      box-shadow: 0 10px 24px rgba(78, 143, 0, 0.4);
      transition: all 0.2s;
    }
    .hero-btn-primary:hover {
      background: var(--liven-green-hover);
      transform: translateY(-2px);
    }
    .hero-btn-secondary {
      background: rgba(255, 255, 255, 0.18);
      backdrop-filter: blur(14px);
      border: 1.5px solid rgba(255, 255, 255, 0.5);
      color: #ffffff;
      padding: 16px 24px;
      border-radius: var(--radius-full);
      font-size: 0.95rem;
      font-weight: 700;
      text-decoration: none;
      display: inline-flex;
      align-items: center;
      gap: 8px;
      transition: all 0.2s;
    }
    .hero-btn-secondary:hover {
      background: rgba(255, 255, 255, 0.3);
      transform: translateY(-2px);
    }

    /* Hero Right: Frosted Decision Card */
    .hero-frosted-card {
      background: rgba(255, 255, 255, 0.24);
      backdrop-filter: blur(28px);
      -webkit-backdrop-filter: blur(28px);
      border: 1.5px solid rgba(255, 255, 255, 0.5);
      border-radius: var(--radius-3xl);
      padding: 24px;
      box-shadow: 0 20px 50px rgba(0, 0, 0, 0.16);
    }
    .frosted-card-header {
      display: flex;
      align-items: center;
      justify-content: space-between;
      color: #ffffff;
      margin-bottom: 16px;
    }
    .frosted-card-header h3 {
      font-size: 1.05rem;
      font-weight: 800;
      letter-spacing: -0.2px;
    }
    .frosted-live-badge {
      font-family: var(--font-mono);
      font-size: 0.72rem;
      font-weight: 700;
      background: rgba(92, 167, 1, 0.3);
      border: 1px solid rgba(125, 211, 34, 0.6);
      color: #ffffff;
      padding: 3px 8px;
      border-radius: var(--radius-full);
    }
    .hero-paths-list {
      display: flex;
      flex-direction: column;
      gap: 10px;
    }
    .hero-path-tile {
      background: #ffffff;
      border-radius: var(--radius-xl);
      padding: 14px 16px;
      display: flex;
      align-items: center;
      justify-content: space-between;
      text-decoration: none;
      color: var(--liven-dark);
      transition: transform 0.18s ease, box-shadow 0.18s ease;
      box-shadow: 0 4px 12px rgba(0,0,0,0.04);
    }
    .hero-path-tile:hover {
      transform: translateY(-2px);
      box-shadow: 0 8px 20px rgba(0,0,0,0.09);
    }
    .path-tile-left {
      display: flex;
      align-items: center;
      gap: 12px;
    }
    .path-tile-icon {
      width: 38px;
      height: 38px;
      border-radius: 10px;
      display: flex;
      align-items: center;
      justify-content: center;
      flex-shrink: 0;
    }
    .path-title {
      font-weight: 800;
      font-size: 0.95rem;
      color: var(--liven-dark);
      line-height: 1.2;
    }
    .path-desc {
      font-size: 0.78rem;
      color: var(--liven-gray);
      margin-top: 2px;
    }
    .path-tile-arrow {
      color: #94a3b8;
      font-size: 1.1rem;
      font-weight: 800;
    }

    /* ============================================================ */
    /* 2. STATS & VERIFICATION BAR                                  */
    /* ============================================================ */
    .verification-strip {
      background: #ffffff;
      border-bottom: 1px solid var(--liven-border);
      padding: 30px 24px;
    }
    .strip-inner {
      max-width: 1180px;
      margin: 0 auto;
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 20px;
    }
    .strip-stat-item {
      display: flex;
      align-items: center;
      gap: 14px;
      padding: 12px 16px;
      background: var(--liven-gray-light);
      border: 1px solid var(--liven-border);
      border-radius: var(--radius-lg);
    }
    .strip-icon-box {
      width: 42px;
      height: 42px;
      border-radius: 10px;
      background: #ffffff;
      border: 1px solid var(--liven-border);
      display: flex;
      align-items: center;
      justify-content: center;
      color: var(--liven-green);
      flex-shrink: 0;
    }
    .strip-stat-info .stat-head {
      font-family: var(--font-display);
      font-size: 1.25rem;
      font-weight: 800;
      color: var(--liven-dark);
      line-height: 1;
    }
    .strip-stat-info .stat-sub {
      font-size: 0.76rem;
      color: var(--liven-gray);
      font-weight: 600;
      margin-top: 3px;
    }

    /* ============================================================ */
    /* 2B. INSTITUTIONAL & WHOLESALE CITATION STRIP (NON-LEAKING)   */
    /* ============================================================ */
    .bba-institution-strip {
      margin: 18px auto 0;
      max-width: 1180px;
      padding: 14px 18px;
      background: #f8fafc;
      border: 1px solid var(--liven-border);
      border-radius: var(--radius-lg);
    }
    .institution-strip-title {
      font-family: var(--font-mono, monospace);
      font-size: 0.70rem;
      font-weight: 800;
      color: var(--liven-gray);
      text-transform: uppercase;
      letter-spacing: 0.06em;
      margin-bottom: 8px;
    }
    .institution-badges-cluster {
      display: flex;
      flex-wrap: wrap;
      align-items: center;
      gap: 8px;
    }
    .inst-badge {
      display: inline-flex;
      align-items: center;
      gap: 6px;
      padding: 4px 10px;
      background: #ffffff;
      border: 1px solid var(--liven-border);
      border-radius: 9999px;
      font-size: 0.75rem;
      font-weight: 700;
      color: var(--liven-dark);
      text-decoration: none !important;
      pointer-events: none !important;
      cursor: default !important;
      user-select: none;
    }
    .inst-badge svg {
      display: block;
      flex-shrink: 0;
    }
    .inst-badge-emblem {
      width: 18px;
      height: 18px;
      border-radius: 4px;
      display: inline-flex;
      align-items: center;
      justify-content: center;
      font-size: 0.60rem;
      font-weight: 800;
      line-height: 1;
      flex-shrink: 0;
    }
    .inst-badge-gov {
      background: #e0f2fe;
      border-color: rgba(56, 189, 248, 0.3);
      color: #0369a1;
    }

    /* ============================================================ */
    /* MAIN CONTAINER & SECTION CARDS                               */
    /* ============================================================ */
    .page-main-container {
      max-width: 1180px;
      width: 100%;
      margin: 40px auto 80px;
      padding: 0 24px;
      flex: 1 0 auto;
    }

    .section-header-block {
      margin-bottom: 24px;
    }
    .section-eyebrow {
      display: inline-flex;
      align-items: center;
      gap: 6px;
      font-family: var(--font-mono);
      font-size: 0.76rem;
      font-weight: 800;
      color: var(--liven-green);
      background: var(--liven-green-soft);
      padding: 4px 12px;
      border-radius: var(--radius-full);
      margin-bottom: 10px;
      text-transform: uppercase;
      letter-spacing: 0.05em;
    }
    .section-title {
      font-family: var(--font-display);
      font-size: clamp(1.6rem, 2.8vw, 2.1rem);
      font-weight: 800;
      color: var(--liven-dark);
      letter-spacing: -0.6px;
      line-height: 1.18;
    }
    .section-subhead {
      font-size: 1rem;
      color: var(--liven-gray);
      margin-top: 6px;
      max-width: 820px;
      line-height: 1.55;
    }

    /* ============================================================ */
    /* 3. WORKING QUICK REPAYMENT & SERVICEABILITY CALCULATOR       */
    /* ============================================================ */
    .calculator-hub-card {
      background: #ffffff;
      border: 1.5px solid var(--liven-border);
      border-radius: var(--radius-3xl);
      padding: 36px;
      margin-bottom: 48px;
      box-shadow: var(--shadow-card);
      position: relative;
    }
    .calc-layout-grid {
      display: grid;
      grid-template-columns: 1.2fr 0.8fr;
      gap: 36px;
      align-items: center;
      margin-top: 24px;
    }
    .calc-controls-stack {
      display: flex;
      flex-direction: column;
      gap: 20px;
    }
    .calc-field-group label {
      display: flex;
      justify-content: space-between;
      align-items: baseline;
      font-size: 0.88rem;
      font-weight: 700;
      color: var(--liven-dark);
      margin-bottom: 8px;
    }
    .calc-field-group .val-display {
      font-family: var(--font-mono);
      font-size: 1.1rem;
      font-weight: 800;
      color: var(--liven-green-hover);
    }
    .calc-slider-input {
      width: 100%;
      height: 8px;
      border-radius: 4px;
      background: #e2e8f0;
      outline: none;
      -webkit-appearance: none;
      accent-color: var(--liven-green);
      cursor: pointer;
    }
    .calc-quick-chips {
      display: flex;
      gap: 8px;
      margin-top: 8px;
      flex-wrap: wrap;
    }
    .calc-chip-btn {
      background: var(--liven-gray-light);
      border: 1px solid var(--liven-border);
      color: var(--liven-dark);
      font-size: 0.76rem;
      font-weight: 700;
      padding: 4px 10px;
      border-radius: var(--radius-full);
      cursor: pointer;
      transition: all 0.15s;
    }
    .calc-chip-btn:hover {
      background: #ffffff;
      border-color: var(--liven-green);
      color: var(--liven-green);
    }

    .calc-output-dock {
      background: linear-gradient(135deg, #0f1e36 0%, #152744 100%);
      border-radius: var(--radius-2xl);
      padding: 30px 24px;
      color: #ffffff;
      text-align: center;
      box-shadow: 0 12px 32px rgba(15, 30, 54, 0.18);
      position: relative;
      overflow: hidden;
    }
    .dock-tag {
      font-family: var(--font-mono);
      font-size: 0.72rem;
      font-weight: 700;
      color: #38bdf8;
      background: rgba(56, 189, 248, 0.15);
      padding: 4px 12px;
      border-radius: var(--radius-full);
      display: inline-block;
      margin-bottom: 12px;
      text-transform: uppercase;
      letter-spacing: 0.05em;
    }
    .dock-monthly-val {
      font-family: var(--font-display);
      font-size: 2.8rem;
      font-weight: 800;
      color: #ffffff;
      line-height: 1;
      margin-bottom: 4px;
    }
    .dock-subtext {
      font-size: 0.82rem;
      color: #94a3b8;
      font-weight: 600;
    }
    .dock-dual-outputs {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 12px;
      margin: 20px 0 16px;
      padding-top: 16px;
      border-top: 1px solid rgba(255, 255, 255, 0.12);
    }
    .dual-box .sub-val {
      font-family: var(--font-mono);
      font-size: 1.15rem;
      font-weight: 800;
      color: #a7f3d0;
    }
    .dual-box .sub-lbl {
      font-size: 0.72rem;
      color: #94a3b8;
      margin-top: 2px;
    }

    /* Dynamic Serviceability & Lead Capture Hook */
    .calc-serviceability-hook {
      margin-top: 24px;
      background: linear-gradient(135deg, #f0f7fb 0%, #e8f4fa 100%);
      border: 1.5px solid #bae6fd;
      border-radius: var(--radius-2xl);
      padding: 22px 28px;
      display: flex;
      align-items: center;
      justify-content: space-between;
      flex-wrap: wrap;
      gap: 16px;
    }
    .hook-left-copy {
      max-width: 620px;
    }
    .hook-badge {
      font-family: var(--font-mono);
      font-size: 0.72rem;
      font-weight: 800;
      color: #0369a1;
      background: #e0f2fe;
      padding: 2px 8px;
      border-radius: var(--radius-full);
      display: inline-block;
      margin-bottom: 6px;
      text-transform: uppercase;
    }
    .hook-title {
      font-family: var(--font-display);
      font-size: 1.08rem;
      font-weight: 800;
      color: var(--navy-dark);
      line-height: 1.3;
    }
    .hook-desc {
      font-size: 0.84rem;
      color: #334155;
      margin-top: 3px;
    }
    .hook-actions-cluster {
      display: flex;
      gap: 10px;
      flex-wrap: wrap;
    }
    .btn-hook-primary {
      background: var(--liven-green);
      color: #ffffff;
      font-size: 0.88rem;
      font-weight: 700;
      padding: 12px 22px;
      border-radius: var(--radius-full);
      text-decoration: none;
      box-shadow: 0 4px 14px rgba(92, 167, 1, 0.3);
      transition: all 0.2s;
      white-space: nowrap;
    }
    .btn-hook-primary:hover {
      background: var(--liven-green-hover);
      transform: translateY(-1px);
    }
    .btn-hook-secondary {
      background: #ffffff;
      color: var(--navy-dark);
      border: 1.5px solid #cbd5e1;
      font-size: 0.86rem;
      font-weight: 700;
      padding: 11px 20px;
      border-radius: var(--radius-full);
      text-decoration: none;
      transition: all 0.2s;
      white-space: nowrap;
    }
    .btn-hook-secondary:hover {
      border-color: var(--navy-dark);
      background: #f8fafc;
    }

    .calc-cta-row {
      display: flex;
      align-items: center;
      justify-content: space-between;
      flex-wrap: wrap;
      gap: 14px;
      margin-top: 20px;
      padding-top: 18px;
      border-top: 1px solid var(--liven-border);
    }
    .calc-disclaimer {
      font-size: 0.78rem;
      color: var(--liven-gray);
      max-width: 700px;
      line-height: 1.45;
    }
    .btn-full-calc {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      background: var(--navy-dark);
      color: #ffffff;
      font-size: 0.86rem;
      font-weight: 700;
      padding: 10px 18px;
      border-radius: var(--radius-full);
      text-decoration: none;
      transition: all 0.2s;
    }
    .btn-full-calc:hover {
      background: var(--liven-green);
      transform: translateY(-1px);
    }

    /* ============================================================ */
    /* 4. SCENARIO MATCHER MATRIX (LINKED TO REAL DEDICATED PAGES)  */
    /* ============================================================ */
    .scenario-cards-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 20px;
      margin-bottom: 48px;
    }
    .scenario-tile-box {
      background: #ffffff;
      border: 1.5px solid var(--liven-border);
      border-radius: var(--radius-2xl);
      padding: 24px;
      box-shadow: var(--shadow-subtle);
      display: flex;
      flex-direction: column;
      justify-content: space-between;
      transition: transform 0.2s, border-color 0.2s, box-shadow 0.2s;
      text-decoration: none;
      color: inherit;
    }
    .scenario-tile-box:hover {
      transform: translateY(-3px);
      border-color: var(--liven-green);
      box-shadow: var(--shadow-card);
    }
    .scenario-tile-top {
      display: flex;
      align-items: center;
      gap: 12px;
      margin-bottom: 12px;
    }
    .scenario-icon-badge {
      width: 44px;
      height: 44px;
      border-radius: 12px;
      display: flex;
      align-items: center;
      justify-content: center;
      flex-shrink: 0;
    }
    .scenario-title {
      font-family: var(--font-display);
      font-size: 1.15rem;
      font-weight: 800;
      color: var(--liven-dark);
    }
    .scenario-keypoint {
      font-size: 0.84rem;
      color: var(--liven-gray);
      line-height: 1.45;
      margin-bottom: 14px;
    }
    .scenario-action-line {
      display: flex;
      align-items: center;
      justify-content: space-between;
      padding-top: 12px;
      border-top: 1px solid var(--liven-border);
      font-size: 0.82rem;
      font-weight: 700;
      color: var(--liven-green-hover);
    }

    /* ============================================================ */
    /* 5. VERIFIED SYDNEY BROKER DIRECTORY GRID                     */
    /* ============================================================ */
    .brokers-filter-bar {
      display: flex;
      justify-content: space-between;
      align-items: center;
      margin-bottom: 24px;
      flex-wrap: wrap;
      gap: 16px;
    }
    .filter-pills-row {
      display: flex;
      gap: 8px;
      flex-wrap: wrap;
    }
    .filter-btn {
      background: #ffffff;
      border: 1px solid var(--liven-border);
      color: var(--liven-gray);
      font-family: var(--font-main);
      font-size: 0.82rem;
      font-weight: 700;
      padding: 7px 16px;
      border-radius: var(--radius-full);
      cursor: pointer;
      transition: all 0.15s;
    }
    .filter-btn:hover {
      border-color: var(--liven-dark);
      color: var(--liven-dark);
    }
    .filter-btn.active {
      background: var(--navy-dark);
      color: #ffffff;
      border-color: var(--navy-dark);
    }

    .verified-brokers-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 24px;
      margin-bottom: 48px;
    }
    .broker-showcase-card {
      background: #ffffff;
      border: 1.5px solid var(--liven-border);
      border-radius: var(--radius-2xl);
      padding: 24px;
      box-shadow: var(--shadow-subtle);
      display: flex;
      flex-direction: column;
      justify-content: space-between;
      text-decoration: none;
      color: inherit;
      transition: all 0.22s cubic-bezier(0.16, 1, 0.3, 1);
      position: relative;
    }
    .broker-showcase-card:hover {
      transform: translateY(-4px);
      box-shadow: var(--shadow-float);
      border-color: var(--liven-green);
    }

    .card-top-header {
      display: flex;
      justify-content: space-between;
      align-items: center;
      margin-bottom: 16px;
    }
    .badge-verified-partner {
      display: inline-flex;
      align-items: center;
      gap: 5px;
      font-family: var(--font-mono);
      font-size: 0.72rem;
      font-weight: 700;
      color: var(--emerald-dark);
      background: var(--emerald-soft);
      border: 1px solid rgba(5, 150, 105, 0.25);
      padding: 3px 10px;
      border-radius: var(--radius-full);
    }
    .badge-licence-status {
      font-family: var(--font-mono);
      font-size: 0.7rem;
      color: var(--liven-gray);
      background: var(--liven-gray-light);
      padding: 3px 8px;
      border-radius: var(--radius-full);
      border: 1px solid var(--liven-border);
    }

    .broker-identity-row {
      display: flex;
      gap: 14px;
      align-items: center;
      margin-bottom: 14px;
    }
    .broker-avatar-img {
      width: 60px;
      height: 60px;
      border-radius: 14px;
      object-fit: cover;
      border: 1.5px solid var(--liven-border);
    }
    .broker-name-info h3 {
      font-family: var(--font-main);
      font-size: 1.1rem;
      font-weight: 800;
      color: var(--liven-dark);
      line-height: 1.25;
    }
    .broker-company-line {
      font-size: 0.82rem;
      color: var(--liven-gray);
      margin-top: 2px;
      font-weight: 600;
    }
    .broker-location-tag {
      font-size: 0.76rem;
      color: var(--sky-blue);
      font-weight: 700;
      display: flex;
      align-items: center;
      gap: 4px;
      margin-top: 3px;
    }

    .card-review-strip {
      display: flex;
      align-items: center;
      gap: 8px;
      font-size: 0.82rem;
      font-weight: 700;
      color: var(--liven-dark);
      margin-bottom: 12px;
      padding: 8px 10px;
      background: var(--gold-soft);
      border-radius: var(--radius-md);
      border: 1px solid rgba(245, 158, 11, 0.2);
    }
    .star-gold { color: #d97706; letter-spacing: 1px; }

    .card-specs-list {
      display: flex;
      flex-direction: column;
      gap: 6px;
      margin-bottom: 16px;
      font-size: 0.82rem;
      color: var(--liven-dark);
    }
    .spec-item {
      display: flex;
      align-items: flex-start;
      gap: 8px;
      line-height: 1.4;
    }
    .spec-check {
      color: var(--liven-green);
      font-weight: 800;
      flex-shrink: 0;
    }

    .card-action-footer {
      border-top: 1px solid var(--liven-border);
      padding-top: 14px;
      display: flex;
      justify-content: space-between;
      align-items: center;
    }
    .btn-view-profile {
      font-size: 0.84rem;
      font-weight: 700;
      color: var(--liven-green-hover);
      display: inline-flex;
      align-items: center;
      gap: 4px;
    }
    .btn-view-profile:hover {
      text-decoration: underline;
    }

    /* MATCHING BANNER (FOR USERS NOT SURE WHO TO PICK) */
    .broker-match-banner {
      background: linear-gradient(135deg, #f5f9f2 0%, #eef6e8 100%);
      border: 1.5px solid #d4e7cb;
      border-radius: var(--radius-2xl);
      padding: 24px 30px;
      display: flex;
      align-items: center;
      justify-content: space-between;
      margin-bottom: 48px;
      flex-wrap: wrap;
      gap: 16px;
    }
    .match-banner-copy h4 {
      font-family: var(--font-display);
      font-size: 1.15rem;
      font-weight: 800;
      color: #274719;
    }
    .match-banner-copy p {
      font-size: 0.86rem;
      color: #3b6326;
      margin-top: 2px;
    }
    .btn-match-now {
      background: var(--liven-green);
      color: #ffffff;
      padding: 12px 24px;
      border-radius: var(--radius-full);
      font-weight: 700;
      font-size: 0.9rem;
      text-decoration: none;
      box-shadow: 0 4px 12px rgba(92, 167, 1, 0.3);
      transition: all 0.2s;
      white-space: nowrap;
    }
    .btn-match-now:hover {
      background: var(--liven-green-hover);
      transform: translateY(-1px);
    }

    /* ============================================================ */
    /* 6. SYDNEY LOCAL PROPERTY & LENDING DECISION GUIDE            */
    /* ============================================================ */
    .local-guide-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 24px;
      margin-bottom: 48px;
    }
    .guide-card-box {
      background: #ffffff;
      border: 1.5px solid var(--liven-border);
      border-radius: var(--radius-2xl);
      padding: 28px;
      box-shadow: var(--shadow-subtle);
    }
    .guide-card-box h3 {
      font-family: var(--font-display);
      font-size: 1.25rem;
      font-weight: 800;
      color: var(--liven-dark);
      margin-bottom: 12px;
      display: flex;
      align-items: center;
      gap: 8px;
    }
    .guide-card-box p {
      font-size: 0.9rem;
      color: var(--liven-gray);
      line-height: 1.55;
      margin-bottom: 14px;
    }
    .guide-bullet-points {
      list-style: none;
      display: flex;
      flex-direction: column;
      gap: 10px;
    }
    .guide-bullet-points li {
      font-size: 0.86rem;
      color: var(--liven-dark);
      display: flex;
      align-items: flex-start;
      gap: 8px;
      line-height: 1.45;
    }

    /* ============================================================ */
    /* 7. BROKER VS BANK TRANSPARENCY MATRIX                        */
    /* ============================================================ */
    .comparison-table-wrap {
      width: 100%;
      overflow-x: auto;
      border: 1.5px solid var(--liven-border);
      border-radius: var(--radius-2xl);
      background: #ffffff;
      margin-bottom: 48px;
      box-shadow: var(--shadow-subtle);
    }
    .comparison-table {
      width: 100%;
      border-collapse: collapse;
      font-size: 0.88rem;
    }
    .comparison-table th {
      background: var(--liven-gray-light);
      padding: 16px 20px;
      text-align: left;
      font-weight: 800;
      color: var(--liven-dark);
      border-bottom: 1.5px solid var(--liven-border);
    }
    .comparison-table td {
      padding: 16px 20px;
      border-bottom: 1px solid var(--liven-border);
      color: var(--liven-dark);
      vertical-align: top;
    }
    .comparison-table tr:last-child td { border-bottom: none; }
    .comparison-table tr:hover td { background: #fafcfe; }

    /* ============================================================ */
    /* 8. TRUTHFUL FAQ ACCORDION & REGULATORY GOVERNANCE            */
    /* ============================================================ */
    .faq-stack-wrap {
      margin-bottom: 48px;
    }
    .faq-item-box {
      background: #ffffff;
      border: 1.5px solid var(--liven-border);
      border-radius: var(--radius-xl);
      padding: 20px 24px;
      margin-bottom: 12px;
      box-shadow: var(--shadow-subtle);
    }
    .faq-item-box h4 {
      font-size: 1rem;
      font-weight: 800;
      color: var(--liven-dark);
      margin-bottom: 8px;
    }
    .faq-item-box p {
      font-size: 0.9rem;
      color: var(--liven-gray);
      line-height: 1.55;
    }

    /* ============================================================ */
    /* 9. COMMUNITY COMMENTS & LOCAL Q&A (LIVEN DESIGN PATTERN)     */
    /* ============================================================ */
    .comments-section-wrap {
      margin-bottom: 48px;
    }
    .comment-input-box {
      background: #ffffff;
      border: 1.5px solid var(--liven-border);
      border-radius: var(--radius-2xl);
      padding: 28px;
      margin-bottom: 32px;
      box-shadow: var(--shadow-card);
    }
    .comment-form-grid {
      display: grid;
      grid-template-columns: 1fr 1fr 1fr;
      gap: 14px;
      margin-bottom: 14px;
    }
    .form-control-input, .form-control-textarea {
      width: 100%;
      padding: 10px 14px;
      border: 1px solid var(--liven-border);
      border-radius: var(--radius-md);
      font-family: var(--font-main);
      font-size: 0.88rem;
      color: var(--navy-dark);
      background: #f8fafc;
      outline: none;
      transition: all 0.2s;
    }
    .form-control-input:focus, .form-control-textarea:focus {
      border-color: var(--sky-blue);
      background: #ffffff;
      box-shadow: 0 0 0 3px rgba(2, 132, 199, 0.1);
    }
    .comments-feed-list {
      display: flex;
      flex-direction: column;
      gap: 20px;
    }
    .comment-card {
      background: #ffffff;
      border: 1.5px solid var(--liven-border);
      border-radius: var(--radius-2xl);
      padding: 24px 26px;
      box-shadow: var(--shadow-subtle);
      transition: border-color 0.15s;
    }
    .comment-card:hover {
      border-color: #cbd5e1;
    }
    .comment-header-row {
      display: flex;
      justify-content: space-between;
      align-items: center;
      margin-bottom: 14px;
    }
    .comment-user-info {
      display: flex;
      align-items: center;
      gap: 14px;
    }
    .circle-avatar {
      width: 48px;
      height: 48px;
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      font-family: var(--font-display);
      font-weight: 800;
      font-size: 1.05rem;
      color: #ffffff;
      box-shadow: 0 4px 12px rgba(0,0,0,0.08);
      flex-shrink: 0;
      border: 2px solid #ffffff;
    }
    .avatar-emerald { background: linear-gradient(135deg, #10b981 0%, #059669 100%); }
    .avatar-sky { background: linear-gradient(135deg, #38bdf8 0%, #0284c7 100%); }
    .avatar-amber { background: linear-gradient(135deg, #f59e0b 0%, #d97706 100%); }
    .avatar-purple { background: linear-gradient(135deg, #a855f7 0%, #7c3aed 100%); }
    .avatar-rose { background: linear-gradient(135deg, #fb7185 0%, #e11d48 100%); }
    
    .comment-user-meta .name {
      font-family: var(--font-display);
      font-size: 1.02rem;
      font-weight: 800;
      color: var(--navy-dark);
      display: flex;
      align-items: center;
      gap: 8px;
    }
    .user-tag-badge {
      font-family: var(--font-mono);
      font-size: 0.68rem;
      font-weight: 700;
      padding: 2px 8px;
      border-radius: var(--radius-full);
      background: #f1f5f9;
      color: #475569;
    }
    .user-tag-badge.badge-fhb { background: #dcfce7; color: #15803d; }
    .user-tag-badge.badge-refi { background: #fef3c7; color: #b45309; }
    .user-tag-badge.badge-abn { background: #e0e7ff; color: #4338ca; }
    .user-tag-badge.badge-invest { background: #f3e8ff; color: #7e22ce; }
    
    .comment-user-meta .date-loc {
      font-size: 0.78rem;
      color: #94a3b8;
      margin-top: 2px;
    }
    .comment-body-text {
      font-size: 0.92rem;
      color: #334155;
      line-height: 1.55;
    }
    .broker-reply-card {
      margin-top: 16px;
      background: #f8fafc;
      border-left: 3px solid var(--liven-green);
      border-radius: 0 var(--radius-xl) var(--radius-xl) 0;
      padding: 16px 20px;
    }
    .broker-reply-header {
      display: flex;
      align-items: center;
      gap: 10px;
      margin-bottom: 8px;
    }
    .broker-reply-avatar {
      width: 32px;
      height: 32px;
      border-radius: 50%;
      object-fit: cover;
      border: 1px solid var(--liven-border);
    }
    .broker-reply-title {
      font-size: 0.86rem;
      font-weight: 800;
      color: var(--navy-dark);
    }
    .broker-verified-tag {
      font-size: 0.7rem;
      font-weight: 700;
      color: var(--liven-green);
      margin-left: 4px;
    }
    .broker-reply-text {
      font-size: 0.86rem;
      color: #475569;
      line-height: 1.5;
    }

    /* ============================================================ */
    /* 10. REGIONAL HUBS & PROVEN INTERNAL LINKS (NO CIRCULAR MESH) */
    /* ============================================================ */
    .regional-hubs-container {
      background: var(--liven-gray-light);
      border: 1.5px solid var(--liven-border);
      border-radius: var(--radius-2xl);
      padding: 28px;
      margin-bottom: 48px;
    }
    .regional-hubs-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 14px;
      margin-top: 16px;
    }
    .hub-link-tile {
      background: #ffffff;
      border: 1px solid var(--liven-border);
      border-radius: var(--radius-lg);
      padding: 14px 18px;
      text-decoration: none;
      color: var(--liven-dark);
      display: flex;
      align-items: center;
      justify-content: space-between;
      transition: all 0.15s;
    }
    .hub-link-tile:hover {
      border-color: var(--liven-green);
      transform: translateY(-2px);
      box-shadow: var(--shadow-subtle);
    }
    .hub-link-title {
      font-weight: 700;
      font-size: 0.9rem;
    }
    .hub-link-status {
      font-family: var(--font-mono);
      font-size: 0.72rem;
      color: var(--liven-gray);
    }

    /* ============================================================ */
    /* FOOTER (CLEAN, VERIFIED, LEGAL-COMPLIANT)                    */
    /* ============================================================ */
    .liven-footer {
      background: #ffffff;
      border-top: 1.5px solid var(--liven-border);
      padding: 60px 24px 40px;
      color: var(--liven-gray);
      font-size: 0.86rem;
      margin-top: auto;
    }
    .footer-inner {
      max-width: 1180px;
      margin: 0 auto;
    }
    .footer-columns-grid {
      display: grid;
      grid-template-columns: 1.3fr 1fr 1fr 1fr 1fr;
      gap: 28px;
      margin-bottom: 40px;
    }
    .footer-col h4 {
      font-family: var(--font-main);
      font-size: 0.82rem;
      font-weight: 800;
      color: var(--liven-dark);
      text-transform: uppercase;
      letter-spacing: 0.05em;
      margin-bottom: 14px;
    }
    .footer-col a {
      display: block;
      color: var(--liven-gray);
      text-decoration: none;
      font-size: 0.86rem;
      margin-bottom: 8px;
      transition: color 0.15s;
    }
    .footer-col a:hover { color: var(--liven-green); }

    .footer-disclaimer-box {
      border-top: 1px solid var(--liven-border);
      padding-top: 24px;
      font-size: 0.76rem;
      color: #94a3b8;
      line-height: 1.5;
    }

    /* ============================================================ */
    /* RESPONSIVE BREAKPOINTS                                       */
    /* ============================================================ */
    @media (max-width: 960px) {
      .hero-content-grid { grid-template-columns: 1fr; gap: 32px; }
      .calc-layout-grid { grid-template-columns: 1fr; }
      .scenario-cards-grid { grid-template-columns: 1fr; }
      .verified-brokers-grid { grid-template-columns: 1fr; }
      .local-guide-grid { grid-template-columns: 1fr; }
      .strip-inner { grid-template-columns: 1fr 1fr; }
      .regional-hubs-grid { grid-template-columns: 1fr; }
      .footer-columns-grid { grid-template-columns: 1fr 1fr; }
      .comment-form-grid { grid-template-columns: 1fr; }
    }

    @media (max-width: 768px) {
      html, body { overflow-x: hidden; max-width: 100vw; }
      input, select, textarea { font-size: 16px !important; }
      .hero-sky-container { padding: 20px 16px 54px; min-height: auto; border-radius: 0 0 36px 36px; }
      .floating-nav-pill { padding: 8px 14px; margin-bottom: 24px; }
      .nav-links-cluster { display: none; }
      .hero-main-title { font-size: 2rem; }
      .hero-sub-copy { font-size: 1rem; }
      .page-main-container { padding: 0 16px; margin-top: 24px; }
      .calculator-hub-card { padding: 20px 16px; border-radius: var(--radius-2xl); }
      .strip-inner { grid-template-columns: 1fr; }
      .footer-columns-grid { grid-template-columns: 1fr; }
      .verified-brokers-unified-grid { grid-template-columns: 1fr !important; }
      .regional-hubs-grid { grid-template-columns: 1fr !important; }
      .comparison-container { overflow-x: auto; -webkit-overflow-scrolling: touch; padding-bottom: 8px; }
      .compare-table { min-width: 560px; }
    }
    @media (max-width: 480px) {
      .hero-main-title { font-size: clamp(1.85rem, 7vw, 2.3rem); line-height: 1.12; }
      .floating-nav-pill { padding: 6px 12px; margin-bottom: 18px; }
      .brand-logo-wrap img { height: 34px !important; }
    }
  
    /* Unified Verified Broker Card Styles */
    .verified-brokers-unified-grid {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(360px, 1fr));
      gap: 24px;
      max-width: 1080px;
      margin: 0 auto 50px;
    }
    .broker-dossier-preview-card {
      background: #ffffff;
      border: 1.5px solid var(--liven-border);
      border-radius: 28px;
      overflow: hidden;
      box-shadow: 0 10px 30px rgba(13, 30, 43, 0.06);
      transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
      display: flex;
      flex-direction: column;
      text-decoration: none;
      color: inherit;
      position: relative;
    }
    .broker-dossier-preview-card:hover {
      border-color: var(--liven-green);
      transform: translateY(-3px);
      box-shadow: 0 16px 40px rgba(13, 30, 43, 0.12);
    }
    .card-banner-strip {
      height: 96px;
      width: 100%;
      background-size: cover;
      background-position: center;
      position: relative;
    }
    .card-banner-overlay {
      position: absolute;
      inset: 0;
      background: linear-gradient(180deg, rgba(13, 30, 43, 0.4) 0%, rgba(13, 30, 43, 0.75) 100%);
      display: flex;
      align-items: flex-start;
      justify-content: space-between;
      padding: 12px 16px;
    }
    .banner-location-badge {
      background: rgba(255, 255, 255, 0.95);
      backdrop-filter: blur(6px);
      color: var(--liven-dark);
      font-family: var(--font-mono);
      font-size: 0.72rem;
      font-weight: 800;
      padding: 3px 10px;
      border-radius: var(--radius-full);
      display: inline-flex;
      align-items: center;
      gap: 5px;
    }
    .banner-trust-pill {
      background: var(--liven-green);
      color: #ffffff;
      font-family: var(--font-mono);
      font-size: 0.75rem;
      font-weight: 800;
      padding: 4px 12px;
      border-radius: var(--radius-full);
      box-shadow: 0 2px 8px rgba(0,0,0,0.2);
    }
    .card-profile-body {
      padding: 0 22px 20px;
      display: flex;
      flex-direction: column;
      gap: 12px;
      background: #ffffff;
      position: relative;
      flex: 1;
    }
    .card-head-row {
      display: flex;
      align-items: flex-end;
      justify-content: space-between;
      gap: 16px;
      margin-top: -32px;
      position: relative;
      z-index: 5;
    }
    .card-avatar-photo {
      width: 72px;
      height: 72px;
      border-radius: 18px;
      border: 3.5px solid #ffffff;
      object-fit: cover;
      box-shadow: 0 8px 24px rgba(0, 0, 0, 0.15);
      background: #ffffff;
    }
    .card-verified-badge {
      font-family: var(--font-mono);
      font-size: 0.72rem;
      font-weight: 800;
      color: var(--liven-green);
      background: var(--liven-green-soft);
      border: 1px solid var(--liven-green-border);
      padding: 4px 10px;
      border-radius: var(--radius-full);
      display: inline-flex;
      align-items: center;
      gap: 4px;
    }
    .broker-title-group {
      display: flex;
      flex-direction: column;
      gap: 2px;
      margin-top: 2px;
    }
    .broker-firm-heading {
      font-family: var(--font-display);
      font-size: 1.25rem;
      font-weight: 800;
      color: var(--liven-dark);
      display: flex;
      align-items: center;
      gap: 8px;
    }
    .broker-stars-row {
      display: flex;
      align-items: center;
      gap: 6px;
      font-size: 0.85rem;
      font-weight: 700;
      color: var(--liven-dark);
      margin-top: 1px;
    }
    .stars-amber {
      color: var(--gold);
      letter-spacing: 1.5px;
    }
    .specialty-tags-row {
      display: flex;
      flex-wrap: wrap;
      gap: 6px;
    }
    .specialty-pill {
      background: var(--liven-gray-light);
      border: 1px solid var(--liven-border);
      color: var(--liven-dark);
      font-size: 0.76rem;
      font-weight: 700;
      padding: 3px 9px;
      border-radius: var(--radius-full);
    }
    .metrics-3col-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 8px;
    }
    .metric-cell-box {
      background: var(--liven-gray-light);
      border: 1px solid var(--liven-border);
      border-radius: var(--radius-lg);
      padding: 8px 10px;
      text-align: center;
    }
    .metric-cell-val {
      font-family: var(--font-display);
      font-size: 0.95rem;
      font-weight: 800;
      color: var(--liven-dark);
    }
    .metric-cell-lbl {
      font-size: 0.66rem;
      color: var(--liven-gray);
      font-weight: 700;
      text-transform: uppercase;
      letter-spacing: 0.03em;
    }
    .card-action-bar {
      display: flex;
      align-items: center;
      justify-content: space-between;
      padding-top: 10px;
      border-top: 1px solid var(--liven-border);
      margin-top: auto;
    }
    .lender-panel-note {
      font-size: 0.8rem;
      color: var(--liven-gray);
      font-weight: 600;
      display: flex;
      align-items: center;
      gap: 6px;
    }
    .card-view-btn {
      background: var(--liven-green);
      color: #ffffff;
      font-size: 0.88rem;
      font-weight: 800;
      padding: 10px 18px;
      border-radius: var(--radius-full);
      display: inline-flex;
      align-items: center;
      gap: 6px;
      box-shadow: 0 4px 14px rgba(92, 167, 1, 0.28);
      transition: all 0.2s;
    }
    .card-view-btn:hover {
      background: var(--liven-green-hover);
      transform: translateY(-1px);
    }

  
    
    /* EDITORIAL ORIENTATION SECTION (CLEAN WHITE SPACE) */
    .suburb-editorial-intro {
      max-width: 1180px;
      margin: 0 auto;
      padding: 50px 20px 20px;
    }
    .editorial-badge {
      display: inline-flex;
      align-items: center;
      gap: 7px;
      font-family: var(--font-mono, monospace);
      font-size: 0.72rem;
      font-weight: 800;
      color: #166534;
      background: #edf8e1;
      border: 1px solid #b8e68a;
      padding: 5px 14px;
      border-radius: 9999px;
      letter-spacing: 0.06em;
      text-transform: uppercase;
      margin-bottom: 14px;
    }
    .editorial-headline {
      font-family: var(--font-display, sans-serif);
      font-size: clamp(1.7rem, 3vw, 2.4rem);
      font-weight: 800;
      color: var(--liven-dark, #1b2932);
      line-height: 1.18;
      letter-spacing: -0.025em;
      margin-bottom: 16px;
      max-width: 860px;
    }
    .editorial-body-grid {
      display: grid;
      grid-template-columns: 1.25fr 0.85fr;
      gap: 44px;
      align-items: start;
      margin-top: 18px;
    }
    @media (max-width: 960px) {
      .editorial-body-grid { grid-template-columns: 1fr; gap: 28px; }
      .suburb-editorial-intro { padding: 32px 16px 16px; }
    }
    .editorial-prose {
      font-size: 1rem;
      color: #475569;
      line-height: 1.68;
      display: flex;
      flex-direction: column;
      gap: 12px;
    }
    .editorial-prose strong {
      color: #1e293b;
    }
    .editorial-action-dock {
      background: #f8fafc;
      border: 1.5px solid #e2e8f0;
      border-radius: 24px;
      padding: 26px 22px;
      box-shadow: 0 4px 20px rgba(0, 0, 0, 0.03);
    }
    .editorial-dock-h {
      font-family: var(--font-display, sans-serif);
      font-size: 1.12rem;
      font-weight: 800;
      color: #0f172a;
      margin-bottom: 14px;
    }
    .action-steps-list {
      display: flex;
      flex-direction: column;
      gap: 14px;
      margin-bottom: 20px;
    }
    .action-step-item {
      display: flex;
      align-items: flex-start;
      gap: 12px;
    }
    .action-step-num {
      width: 26px;
      height: 26px;
      border-radius: 50%;
      background: #edf8e1;
      border: 1.5px solid #5ca701;
      color: #4e8f00;
      font-family: var(--font-display, sans-serif);
      font-size: 0.82rem;
      font-weight: 800;
      display: flex;
      align-items: center;
      justify-content: center;
      flex-shrink: 0;
      margin-top: 2px;
    }
    .action-step-content .step-head {
      font-size: 0.90rem;
      font-weight: 800;
      color: #0f172a;
      line-height: 1.3;
    }
    .action-step-content .step-desc {
      font-size: 0.82rem;
      color: #64748b;
      line-height: 1.45;
      margin-top: 2px;
    }
    .editorial-dock-p {
      font-size: 0.86rem;
      color: #64748b;
      line-height: 1.5;
      margin-bottom: 18px;
    }
    .editorial-dock-btn {
      display: flex;
      align-items: center;
      justify-content: center;
      gap: 8px;
      background: #5ca701;
      color: #ffffff;
      font-family: var(--font-main, sans-serif);
      font-size: 0.98rem;
      font-weight: 800;
      padding: 15px 22px;
      border-radius: 9999px;
      text-decoration: none;
      box-shadow: 0 4px 16px rgba(92, 167, 1, 0.35);
      transition: all 0.2s ease;
      line-height: 1;
    }
    .editorial-dock-btn:hover {
      background: #4e8f00;
      transform: translateY(-2px);
      box-shadow: 0 8px 24px rgba(92, 167, 1, 0.45);
    }
    .editorial-dock-sub {
      font-family: var(--font-mono, monospace);
      font-size: 0.72rem;
      color: #94a3b8;
      text-align: center;
      margin-top: 10px;
    }
    
    

  
    /* ============================================================ */
    /* MOBILE UI/UX OPTIMIZATIONS (TABLETS & PHABLETS <= 768px)    */
    /* ============================================================ */
    @media (max-width: 768px) {
      html, body { overflow-x: hidden; max-width: 100vw; }
      input, select, textarea { font-size: 16px !important; }
      .hero-sky-container { padding: 20px 16px 54px; min-height: auto; border-radius: 0 0 36px 36px; }
      .floating-nav-pill { padding: 8px 14px; margin-bottom: 24px; }
      .nav-links-cluster { display: none; }
      .verified-brokers-unified-grid { grid-template-columns: 1fr !important; }
      .regional-hubs-grid { grid-template-columns: 1fr !important; }
      .local-hubs-grid { grid-template-columns: 1fr !important; }
      .comparison-container { overflow-x: auto; -webkit-overflow-scrolling: touch; padding-bottom: 8px; }
      .compare-table { min-width: 560px; }
      .footer-inner { grid-template-columns: 1fr 1fr; }
    }
    @media (max-width: 480px) {
      .hero-main-title { font-size: clamp(1.85rem, 7vw, 2.3rem); line-height: 1.12; }
      .floating-nav-pill { padding: 6px 12px; margin-bottom: 18px; }
      .brand-logo-wrap img { height: 34px !important; }
      .footer-inner { grid-template-columns: 1fr; gap: 28px; }
    }

  
    /* 3-Line Hamburger Menu Button (Liven Style) */
    .menu-hamburger-btn {
      width: 40px;
      height: 40px;
      border-radius: 50%;
      background: #f4f8fa;
      border: 1.5px solid var(--liven-border, #e2e8f0);
      display: none;
      flex-direction: column;
      align-items: center;
      justify-content: center;
      gap: 4px;
      cursor: pointer;
      transition: all 0.2s;
      padding: 0;
      flex-shrink: 0;
    }
    .menu-hamburger-btn:hover {
      background: #ffffff;
      border-color: var(--liven-green);
      box-shadow: 0 4px 12px rgba(92, 167, 1, 0.2);
    }
    .menu-hamburger-btn span {
      display: block;
      width: 17px;
      height: 2px;
      background: var(--liven-dark, #0d1e2b);
      border-radius: 2px;
      transition: all 0.2s;
    }
    .menu-hamburger-btn:hover span {
      background: var(--liven-green);
    }
    .svg-sparkle-icon {
      width: 15px;
      height: 15px;
      stroke: currentColor;
      fill: none;
      flex-shrink: 0;
    }
    .nav-btn-green.nav-btn-compact {
      padding: 10px 20px;
      min-height: 42px;
      font-size: 0.90rem;
      font-weight: 700;
      gap: 6px;
    }


    @media (max-width: 768px) {
      html, body { overflow-x: hidden; max-width: 100vw; }
      input, select, textarea { font-size: 16px !important; }
      .site-header-sticky-wrap { top: 10px; padding: 0 12px; }
      .hero-sky-container { padding: 96px 16px 44px; min-height: auto; border-radius: 0 0 36px 36px; }
      .floating-nav-pill {
        padding: 6px 12px 6px 14px !important;
        margin-bottom: 20px;
        display: flex !important;
        align-items: center !important;
        justify-content: space-between !important;
        width: 100% !important;
        gap: 8px !important;
      }
      .nav-links-cluster { display: none !important; }
      .nav-search-btn { display: none !important; }
      .nav-right-actions {
        display: flex !important;
        align-items: center !important;
        gap: 8px !important;
        flex-shrink: 0 !important;
      }
      .menu-hamburger-btn {
        display: flex !important;
        width: 38px !important;
        height: 38px !important;
      }
      .nav-btn-green.nav-btn-compact,
      .nav-header-cta {
        padding: 8px 16px !important;
        min-height: 38px !important;
        font-size: 0.84rem !important;
        font-weight: 700 !important;
        gap: 6px !important;
      }
      .nav-brand-logo img,
      .brand-logo-wrap img {
        height: 32px !important;
        max-width: 140px !important;
        width: auto !important;
      }
    }
    @media (max-width: 480px) {
      .floating-nav-pill {
        padding: 5px 8px 5px 10px !important;
        margin-bottom: 16px !important;
        gap: 5px !important;
      }
      .nav-brand-logo img,
      .brand-logo-wrap img {
        height: 28px !important;
        max-width: 110px !important;
      }
      .nav-right-actions {
        gap: 5px !important;
      }
      .nav-btn-green.nav-btn-compact,
      .nav-header-cta {
        padding: 6px 10px !important;
        min-height: 34px !important;
        font-size: 0.74rem !important;
        gap: 4px !important;
      }
      .svg-sparkle-icon {
        width: 12px !important;
        height: 12px !important;
      }
      .menu-hamburger-btn {
        width: 32px !important;
        height: 32px !important;
        gap: 3px !important;
      }
      .menu-hamburger-btn span {
        width: 14px !important;
        height: 1.5px !important;
      }
    }


    /* Floating Sticky Header Wrapper */
    .site-header-sticky-wrap {
      position: fixed;
      top: 14px;
      left: 0;
      right: 0;
      z-index: 1000;
      display: flex;
      justify-content: center;
      padding: 0 16px;
      pointer-events: none;
    }
    .floating-nav-pill {
      background: rgba(255, 255, 255, 0.95);
      backdrop-filter: blur(20px);
      -webkit-backdrop-filter: blur(20px);
      border-radius: var(--radius-full);
      padding: 10px 16px 10px 32px;
      display: flex;
      align-items: center;
      justify-content: space-between;
      width: 100%;
      max-width: 1180px;
      box-shadow: 0 12px 36px rgba(13, 30, 43, 0.12);
      border: 1px solid rgba(255, 255, 255, 0.85);
      pointer-events: auto;
      margin-bottom: 0;
      position: relative;
      z-index: 10;
    }
    .hero-sky-container {
      padding-top: 100px !important;
    }
    @media (max-width: 768px) {
      .site-header-sticky-wrap {
        top: 10px;
        padding: 0 12px;
      }
      .floating-nav-pill {
        padding: 6px 10px 6px 14px !important;
        margin-bottom: 0 !important;
      }
      .hero-sky-container {
        padding-top: 92px !important;
      }
      .nav-links-cluster {
        display: none !important;
      }
      .nav-search-btn {
        display: none !important;
      }
      .menu-hamburger-btn {
        display: flex !important;
        width: 38px !important;
        height: 38px !important;
      }
      .nav-btn-green.nav-btn-compact {
        padding: 8px 16px !important;
        min-height: 38px !important;
        font-size: 0.84rem !important;
        font-weight: 700 !important;
        gap: 6px !important;
      }
      .nav-brand-logo img {
        height: 32px !important;
        max-width: 130px !important;
      }
    }
    @media (max-width: 480px) {
      .site-header-sticky-wrap {
        top: 8px;
        padding: 0 8px;
      }
      .floating-nav-pill {
        padding: 5px 8px 5px 10px !important;
        gap: 6px !important;
      }
      .hero-sky-container {
        padding-top: 86px !important;
      }
      .nav-brand-logo img {
        height: 28px !important;
        max-width: 110px !important;
      }
      .nav-btn-green.nav-btn-compact {
        padding: 6px 10px !important;
        min-height: 34px !important;
        font-size: 0.74rem !important;
        gap: 4px !important;
      }
      .svg-sparkle-icon {
        width: 12px !important;
        height: 12px !important;
      }
      .menu-hamburger-btn {
        width: 32px !important;
        height: 32px !important;
      }
    }


    /* Modal Navigation Drawer Overlay */
    .menu-drawer-backdrop {
      position: fixed;
      inset: 0;
      background: rgba(13, 23, 32, 0.6);
      backdrop-filter: blur(8px);
      -webkit-backdrop-filter: blur(8px);
      z-index: 2000;
      display: flex;
      align-items: center;
      justify-content: center;
      padding: 20px;
      opacity: 0;
      pointer-events: none;
      transition: opacity 0.25s ease;
    }
    .menu-drawer-backdrop.open {
      opacity: 1;
      pointer-events: auto;
    }
    .menu-drawer-box {
      background: #ffffff;
      border-radius: var(--radius-3xl, 34px);
      padding: 28px 24px;
      width: 100%;
      max-width: 440px;
      box-shadow: 0 25px 70px rgba(0, 0, 0, 0.25);
      border: 1px solid var(--liven-border, #e2e8f0);
      display: flex;
      flex-direction: column;
      gap: 16px;
      transform: translateY(16px) scale(0.96);
      transition: transform 0.25s cubic-bezier(0.16, 1, 0.3, 1);
    }
    .menu-drawer-backdrop.open .menu-drawer-box {
      transform: translateY(0) scale(1);
    }
    .drawer-header {
      display: flex;
      align-items: center;
      justify-content: space-between;
      border-bottom: 1px solid var(--liven-border, #e2e8f0);
      padding-bottom: 14px;
    }
    .drawer-title {
      font-family: var(--font-display, inherit);
      font-size: 1.15rem;
      font-weight: 800;
      color: var(--liven-dark, #0d1e2b);
    }
    .drawer-close-btn {
      width: 32px;
      height: 32px;
      border-radius: 50%;
      background: #f1f5f9;
      border: 1px solid #e2e8f0;
      display: flex;
      align-items: center;
      justify-content: center;
      cursor: pointer;
      color: #64748b;
      transition: all 0.2s;
    }
    .drawer-close-btn:hover {
      background: #e2e8f0;
      color: #0d1e2b;
    }
    .drawer-nav-list {
      display: flex;
      flex-direction: column;
      gap: 10px;
    }
    .drawer-nav-item {
      display: flex;
      align-items: center;
      justify-content: space-between;
      padding: 14px 16px;
      border-radius: 20px;
      background: #f8fafc;
      border: 1px solid #e2e8f0;
      text-decoration: none;
      color: var(--liven-dark, #0d1e2b);
      transition: all 0.2s;
    }
    .drawer-nav-item:hover {
      background: #f0fdf4;
      border-color: #bbf7d0;
      transform: translateX(3px);
    }
    .drawer-item-left {
      display: flex;
      align-items: center;
      gap: 14px;
    }
    .drawer-item-icon {
      width: 36px;
      height: 36px;
      border-radius: 10px;
      background: #ffffff;
      display: flex;
      align-items: center;
      justify-content: center;
      color: var(--liven-green, #5ca701);
      box-shadow: 0 2px 8px rgba(0,0,0,0.04);
      border: 1px solid rgba(0,0,0,0.04);
      flex-shrink: 0;
    }
    .drawer-item-icon .svg-icon {
      width: 20px !important;
      height: 20px !important;
      stroke: currentColor !important;
      fill: none !important;
      stroke-width: 2 !important;
      stroke-linecap: round !important;
      stroke-linejoin: round !important;
      max-width: 20px !important;
      max-height: 20px !important;
    }
    .drawer-item-label {
      font-weight: 800;
      font-size: 0.96rem;
      color: var(--liven-dark, #0d1e2b);
      line-height: 1.25;
    }
    .drawer-item-sub {
      font-size: 0.78rem;
      color: var(--liven-gray, #64748b);
      margin-top: 2px;
      line-height: 1.3;
    }
    .svg-icon {
      width: 20px;
      height: 20px;
      stroke: currentColor;
      fill: none;
      stroke-width: 2;
      stroke-linecap: round;
      stroke-linejoin: round;
      flex-shrink: 0;
    }


.card-avatar-initials {
  width: 68px !important;
  height: 68px !important;
  max-width: 68px !important;
  max-height: 68px !important;
  min-width: 68px !important;
  min-height: 68px !important;
  border-radius: 18px !important;
  border: 3.5px solid #ffffff !important;
  background: linear-gradient(135deg, #059669 0%, #047857 100%) !important;
  color: #ffffff !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  font-size: 22px !important;
  font-weight: 700 !important;
  letter-spacing: -0.5px !important;
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.15) !important;
}