/* Broker Landing Page - Access FS Style (https://brokers.accessfs.co.uk/thea-forse/) */
:root {
  --broker-red: #FF001E;
  --broker-red-dark: #E6001B;
  --broker-dark: #1a1a2e;
  --broker-blue: #102747;
  --broker-gray: #6b7280;
  --broker-gray-light: #f3f4f6;
  --broker-white: #ffffff;
}

.broker-landing {
  font-family: 'Open Sans', -apple-system, BlinkMacSystemFont, sans-serif !important;
  margin: 0;
  padding: 0;
  color: #1f2937;
  line-height: 1.6;
}

.skip-link {
  position: absolute;
  top: -100px;
  left: 20px;
  z-index: 9999;
  padding: 12px 20px;
  background: var(--broker-red);
  color: white;
  text-decoration: none;
  border-radius: 6px;
  font-weight: 600;
  transition: top 0.3s;
}
.skip-link:focus { top: 20px; }

.broker-alert-wrap { padding: 20px 24px; }
.broker-alert {
  max-width: 1200px;
  margin: 0 auto;
  padding: 16px 24px;
  border-radius: 8px;
  font-weight: 500;
}
.broker-alert-success {
  background: #d1fae5;
  color: #065f46;
  border: 1px solid #6ee7b7;
}
.broker-alert-error {
  background: #fee2e2;
  color: #991b1b;
  border: 1px solid #fca5a5;
}

.broker-form-validation-errors {
  position: relative;
  z-index: 10;
  margin: 12px 0 16px;
  padding: 12px 16px;
  background: #fff;
  border-left: 4px solid #dc3545;
  border-radius: 6px;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.1);
}
.broker-form-validation-errors ul {
  margin: 0;
  padding-left: 18px;
  color: #721c24;
  font-size: 14px;
  font-weight: 500;
  line-height: 1.5;
}
.broker-form-validation-errors li {
  margin-bottom: 4px;
}
.broker-form-validation-errors li:last-child {
  margin-bottom: 0;
}

/* Broker hero banner - custom background & layout */
.broker-hero-banner {
  background: none !important;
  position: relative;
  overflow: visible;
}
.broker-hero-banner .our-services-hero-overlay {
  display: none;
}
.broker-hero-banner-bg {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: url('/assets/broker-hero-bg.png') center center no-repeat;
  background-size: cover;
  z-index: 0;
  pointer-events: none;
}
.broker-hero-banner .grupimg {
  background: none !important;
  overflow: visible;
}
.broker-hero-content {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 48px;
  padding: 20px 0 48px;
  min-height: 380px;
}
.broker-hero-left {
  flex: 1;
  max-width: 55%;
}
.broker-hero-banner .broker-hero-left {
  margin-top: -50px;
}
.broker-hero-left .banner-text {
  color: #1f2937 !important;
  margin-top: 0;
  width: 100%;
}
.broker-hero-left .banner-text h1 {
  color: #102747 !important;
  font-size: 48px;
  margin-bottom: 16px;
}
.broker-hero-left .banner-text p {
  color: #4b5563 !important;
  margin-bottom: 24px;
}
.broker-hero-actions {
  display: flex;
  align-items: center;
  gap: 16px;
}
.broker-hero-actions a button {
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.broker-hero-linkedin {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  background: #0a66c2;
  border-radius: 8px;
  color: white;
  transition: background 0.2s, transform 0.2s;
}
.broker-hero-linkedin:hover {
  background: #004182;
  color: white;
  transform: translateY(-2px);
}
.broker-hero-right {
  flex: 1;
  display: flex;
  justify-content: flex-end;
  align-items: center;
  max-width: 45%;
}
.broker-hero-logo-wrap {
  width: 100%;
  max-width: 380px;
}
.broker-hero-logo-wrap img {
  width: 100%;
  height: auto;
}

/* Broker hero banner - logo bigger, photo overlay */
.broker-hero-banner .broker-hero-right {
  align-items: flex-end;
}
.broker-hero-banner .broker-hero-logo-wrap {
  position: relative;
  max-width: 640px;
  margin-top: 40px;
  overflow: visible;
}
.broker-hero-banner .broker-hero-logo-wrap .broker-hero-logo {
  width: 100%;
  height: auto;
  display: block;
}
.broker-hero-banner .broker-hero-photo-wrap {
  position: absolute;
  left: 50%;
  bottom: -1px;
  transform: translateX(-50%);
  width: 92%;
  max-width: 480px;
  z-index: 2;
}
.broker-hero-banner .broker-hero-photo {
  width: 100%;
  height: auto;
  display: block;
  object-fit: cover;
  border-radius: 50%;
}
@media (max-width: 991px) {
  .broker-hero-content {
    flex-direction: column;
    text-align: center;
  }
  .broker-hero-left, .broker-hero-right {
    max-width: 100%;
  }
  .broker-hero-actions {
    justify-content: center;
  }
  .broker-hero-logo-wrap {
    max-width: 280px;
    margin: 0 auto;
  }
  .broker-hero-banner .broker-hero-logo-wrap {
    max-width: 460px;
    margin-top: 32px;
  }
  .broker-hero-banner .broker-hero-photo-wrap {
    width: 88%;
    max-width: 340px;
    bottom: -1px;
  }
}

/* Reviews Section - Trustpilot style (left rating, right carousel) */
.broker-reviews {
  padding: 56px 24px 72px;
  background: #ffffff;
  position: relative;
}
.broker-reviews-inner {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 48px;
  align-items: start;
  max-width: 1280px;
  margin: 0 auto;
}
.broker-reviews-left {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.broker-reviews-rating-title {
  font-size: 2rem;
  font-weight: 700;
  color: #1f2937;
  margin: 0;
  line-height: 1.2;
}
.broker-reviews-stars {
  display: flex;
  gap: 2px;
  color: #00b67a;
}
.broker-reviews-stars svg {
  flex-shrink: 0;
}
.broker-reviews-count {
  font-size: 0.95rem;
  color: #374151;
  margin: 0;
}
.broker-reviews-count a {
  color: inherit;
  text-decoration: underline;
  font-weight: 500;
}
.broker-reviews-count a:hover {
  color: #00b67a;
}
.broker-reviews-trustpilot {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.95rem;
  font-weight: 600;
  color: #00b67a;
  margin-top: 4px;
}
.broker-reviews-trustpilot svg {
  flex-shrink: 0;
  color: #00b67a;
}
.broker-reviews-carousel-wrap {
  position: relative;
  flex: 1;
  min-width: 0;
}
.broker-reviews-nav {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: #f3f4f6;
  border: 1px solid #e5e7eb;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  z-index: 5;
  transition: background 0.2s, border-color 0.2s;
  color: #6b7280;
}
.broker-reviews-nav:hover {
  background: #e5e7eb;
  border-color: #d1d5db;
  color: #374151;
}
.broker-reviews-prev { left: -12px; }
.broker-reviews-next { right: -12px; }
.broker-reviews-carousel {
  position: relative;
  overflow: hidden;
}
.broker-reviews-slide-wrap {
  overflow: hidden;
}
.broker-reviews-track {
  display: flex;
  width: calc(100% * 2);
  transition: transform 0.5s ease;
}
.broker-reviews-card {
  flex: 0 0 calc(100% / 8);
  padding: 24px 20px;
  min-width: 0;
}
.broker-reviews-card-stars {
  display: flex;
  gap: 2px;
  margin-bottom: 10px;
  color: #00b67a;
}
.broker-reviews-card-stars svg {
  flex-shrink: 0;
}
.broker-reviews-card-headline {
  font-size: 0.95rem;
  font-weight: 700;
  color: #1f2937;
  margin: 0 0 8px;
  line-height: 1.4;
}
.broker-reviews-card-snippet {
  font-size: 0.9rem;
  color: #4b5563;
  line-height: 1.5;
  margin: 0 0 12px;
  flex: 1;
}
.broker-reviews-card-meta {
  font-size: 0.85rem;
  color: #6b7280;
}
.broker-reviews-showing {
  font-size: 0.8rem;
  color: #9ca3af;
  margin: 8px 0 0;
}
@media (max-width: 991px) {
  .broker-reviews-inner {
    grid-template-columns: 1fr;
  }
  .broker-reviews-left {
    flex-direction: row;
    flex-wrap: wrap;
    align-items: center;
    gap: 12px 24px;
  }
  .broker-reviews-rating-title {
    width: 100%;
  }
  .broker-reviews-prev { left: 4px; }
  .broker-reviews-next { right: 4px; }
  .broker-reviews-nav { width: 36px; height: 36px; }
}
@media (max-width: 600px) {
  .broker-reviews-card {
    padding: 20px 16px;
  }
}

/* Flip Cards - My Services (secondary bg, 3x3 grid, hover flip) */
.broker-flip-cards {
  padding: 64px 24px 80px;
  background: var(--broker-blue);
}
.broker-flip-cards-inner {
  max-width: 1200px;
  margin: 0 auto;
}
.broker-flip-cards-label {
  display: inline-block;
  padding: 10px 24px;
  background: white;
  color: var(--broker-blue);
  font-size: 0.9rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  border-radius: 50px;
  margin-bottom: 40px;
}
.broker-flip-cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.broker-flip-card {
  perspective: 1000px;
  aspect-ratio: 4 / 3;
}
.broker-flip-card-inner {
  position: relative;
  width: 100%;
  height: 100%;
  transition: transform 0.6s ease;
  transform-style: preserve-3d;
}
.broker-flip-card:hover .broker-flip-card-inner {
  transform: rotateY(180deg);
}
.broker-flip-card-front,
.broker-flip-card-back {
  position: absolute;
  inset: 0;
  backface-visibility: hidden;
  border-radius: 16px;
  overflow: hidden;
}
.broker-flip-card-front {
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
}
.broker-flip-card-img-wrap {
  position: absolute;
  inset: 0;
}
.broker-flip-card-img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  filter: grayscale(100%);
}
.broker-flip-card-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0,0,0,0.7) 0%, rgba(0,0,0,0.2) 50%, rgba(0,0,0,0.1) 100%);
}
.broker-flip-card-front .broker-flip-card-title {
  position: relative;
  z-index: 2;
  margin: 0;
  padding: 24px 20px;
  font-size: 1.25rem;
  font-weight: 700;
  color: white;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  text-align: center;
}
.broker-flip-card-back {
  background: var(--broker-red);
  transform: rotateY(180deg);
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  padding: 28px 24px;
  text-align: center;
}
.broker-flip-card-back .broker-flip-card-title {
  font-size: 1.25rem;
  font-weight: 700;
  color: white;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin: 0 0 14px;
}
.broker-flip-card-desc {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.95);
  line-height: 1.6;
  margin: 0;
}
@media (max-width: 991px) {
  .broker-flip-cards-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}
@media (max-width: 600px) {
  .broker-flip-cards-grid {
    grid-template-columns: 1fr;
  }
  .broker-flip-card { aspect-ratio: 16 / 10; }
}

/* Header - Two-tier (main site style) */
.broker-header-twotier {
  background: var(--broker-white);
  box-shadow: 0 2px 12px rgba(0,0,0,0.06);
  position: sticky;
  top: 0;
  z-index: 100;
  border-radius: 0 0 19px 19px;
  overflow: hidden;
}
.broker-topbar {
  background: var(--broker-blue);
  padding: 9px 20px 7px 45px;
}
.broker-topbar-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}
.broker-topbar-left {
  display: flex;
  align-items: center;
  gap: 40px;
}
.broker-topbar-location,
.broker-topbar-email {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: white;
  font-size: 14px;
  font-weight: 400;
}
.broker-icon-pin, .broker-icon-email { flex-shrink: 0; }
.broker-topbar-right {
  display: flex;
  align-items: center;
  gap: 24px;
}
.broker-topbar-social {
  display: flex;
  align-items: center;
  gap: 16px;
}
.broker-topbar-social a {
  color: white;
  text-decoration: none;
  font-size: 14px;
  font-weight: 500;
  width: 24px;
  height: 24px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  transition: opacity 0.2s;
}
.broker-topbar-social a:hover { opacity: 0.85; }
.broker-topbar-cta {
  display: inline-flex;
  align-items: center;
  background: var(--broker-red);
  color: white;
  padding: 10px 20px;
  border-radius: 6px;
  font-size: 14px;
  font-weight: 600;
  text-decoration: none;
  transition: background 0.2s, transform 0.2s;
}
.broker-topbar-cta:hover { background: var(--broker-red-dark); color: white; transform: translateY(-1px); }
.broker-mainnav {
  padding: 20px 45px 24px;
}
.broker-mainnav-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 24px;
}
.broker-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  color: #1f2937;
}
.broker-logo-name {
  font-size: 22px;
  font-weight: 700;
  color: #374151;
}
.broker-logo-name-left {
  order: -1;
  margin-right: 0;
}
.broker-logo-access-img {
  flex-shrink: 0;
}
.broker-logo-heart { display: inline-flex; }
.broker-logo-access-wrap {
  display: flex;
  flex-direction: column;
  margin-left: 4px;
}
.broker-logo-access {
  font-size: 22px;
  font-weight: 700;
  color: #374151;
  line-height: 1.2;
}
.broker-logo-tagline {
  font-size: 11px;
  font-weight: 400;
  color: var(--broker-gray);
  margin-top: 1px;
}
.broker-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 32px;
  align-items: center;
}
.broker-nav a {
  color: #374151;
  text-decoration: none;
  font-weight: 500;
  font-size: 16px;
}
.broker-nav a:hover { color: var(--broker-red); }
.broker-phone {
  display: flex;
  align-items: center;
  gap: 8px;
}
.broker-phone a {
  color: #374151;
  font-weight: 600;
  font-size: 17px;
  text-decoration: none;
}
.broker-phone a:hover { color: var(--broker-red); }
.broker-icon-phone { flex-shrink: 0; }

/* Hero - White background, two-column */
.broker-hero-white {
  background: var(--broker-white);
  position: relative;
  padding: 80px 24px 100px;
  overflow: hidden;
}
.broker-hero-pattern {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='40' height='40' viewBox='0 0 40 40'%3E%3Ccircle cx='4' cy='4' r='0.8' fill='%23e5e7eb'/%3E%3Cline x1='4' y1='4' x2='44' y2='4' stroke='%23e5e7eb' stroke-width='0.2'/%3E%3Cline x1='4' y1='4' x2='4' y2='44' stroke='%23e5e7eb' stroke-width='0.2'/%3E%3C/svg%3E");
  opacity: 0.7;
  pointer-events: none;
}
.broker-hero-container { position: relative; z-index: 1; }
.broker-hero-left { padding-right: 24px; }
.broker-hero-tag {
  display: inline-block;
  background: #374151;
  color: white;
  padding: 8px 20px;
  border-radius: 50px;
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 20px;
}
.broker-hero-title {
  font-size: 3.5rem;
  font-weight: 800;
  color: #1f2937;
  margin: 0 0 24px;
  letter-spacing: -0.02em;
  line-height: 1.1;
}
.broker-hero-desc {
  font-size: 1.05rem;
  line-height: 1.75;
  color: #6b7280;
  margin: 0 0 32px;
  max-width: 520px;
}
.broker-hero-actions {
  display: flex;
  align-items: center;
  gap: 16px;
}
.broker-hero-linkedin {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  background: white;
  border: 2px solid #e5e7eb;
  border-radius: 10px;
  color: #0a66c2;
  text-decoration: none;
  font-weight: 700;
  font-size: 18px;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.broker-hero-linkedin:hover { border-color: #0a66c2; box-shadow: 0 4px 12px rgba(10,102,194,0.2); color: #0a66c2; }
.broker-linkedin-box { font-style: normal; }

/* Hero right - logo + person */
.broker-hero-right {
  position: relative;
  min-height: 420px;
}
.broker-hero-imgs {
  position: relative;
  width: 100%;
  height: 100%;
  min-height: 380px;
}
.broker-hero-logo-wrap {
  position: absolute;
  right: -5%;
  bottom: 0;
  width: 85%;
  max-width: 420px;
  z-index: 0;
}
.broker-hero-logo {
  width: 100%;
  height: auto;
}
.broker-hero-person-wrap {
  position: absolute;
  right: 8%;
  bottom: 5%;
  width: 55%;
  max-width: 280px;
  z-index: 2;
}
.broker-hero-person {
  width: 100%;
  height: auto;
  border-radius: 8px;
  object-fit: cover;
  box-shadow: 0 8px 32px rgba(0,0,0,0.12);
}

/* Floating icons */
.broker-hero-float {
  position: absolute;
  right: 24px;
  top: 50%;
  transform: translateY(-50%);
  display: flex;
  flex-direction: column;
  gap: 12px;
  z-index: 10;
}
.broker-float-whatsapp,
.broker-float-phone {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  text-decoration: none;
  box-shadow: 0 4px 16px rgba(0,0,0,0.15);
  transition: transform 0.2s, box-shadow 0.2s;
}
.broker-float-whatsapp {
  background: #25D366;
}
.broker-float-phone {
  background: var(--broker-red);
}
.broker-float-whatsapp:hover,
.broker-float-phone:hover {
  transform: scale(1.08);
  box-shadow: 0 6px 20px rgba(0,0,0,0.2);
}

/* Legacy hero (fallback for older sections) */
.broker-hero:not(.broker-hero-white) {
  background: linear-gradient(135deg, var(--broker-blue) 0%, #1a365d 100%);
  color: white;
  padding: 80px 24px 100px;
  text-align: center;
}
.broker-hero:not(.broker-hero-white) h1 {
  font-size: 3rem;
  font-weight: 700;
  margin: 0 0 12px;
  letter-spacing: -0.02em;
}

/* Buttons */
.broker-btn {
  display: inline-block;
  padding: 14px 32px;
  font-size: 1rem;
  font-weight: 600;
  border-radius: 8px;
  text-decoration: none;
  border: none;
  cursor: pointer;
  transition: all 0.2s;
  font-family: inherit;
}
.broker-btn-primary {
  background: var(--broker-red);
  color: white;
}
.broker-btn-primary:hover {
  background: var(--broker-red-dark);
  color: white;
  transform: translateY(-2px);
  box-shadow: 0 4px 14px rgba(255,0,30,0.4);
}
.broker-btn-outline {
  background: transparent;
  color: white;
  border: 2px solid white;
}
.broker-btn-outline:hover {
  background: white;
  color: var(--broker-blue);
}

/* Sections common */
.broker-label {
  display: inline-block;
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--broker-red);
  margin-bottom: 12px;
  font-weight: 600;
}
.broker-section-title {
  font-size: 2.25rem;
  font-weight: 700;
  margin: 0 0 24px;
  color: var(--broker-blue);
  line-height: 1.3;
}

/* About */
.broker-about {
  padding: 80px 24px;
  background: var(--broker-white);
}
.broker-about .container { max-width: 800px; }
.broker-about-text {
  font-size: 1.1rem;
  line-height: 1.8;
  margin-bottom: 24px;
  color: #4b5563;
}
.broker-about .broker-btn-outline {
  color: var(--broker-red);
  border-color: var(--broker-red);
}
.broker-about .broker-btn-outline:hover {
  background: var(--broker-red);
  color: white;
}
.broker-social-bottom {
  margin-top: 24px;
  display: flex;
  gap: 16px;
}
.broker-social-bottom a {
  color: var(--broker-gray);
  text-decoration: none;
  font-size: 0.9rem;
}
.broker-social-bottom a:hover { color: var(--broker-red); }

/* Services */
.broker-services {
  padding: 80px 24px;
  background: var(--broker-gray-light);
}
.broker-services .broker-section-title { text-align: center; margin-bottom: 48px; }
.broker-services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 24px;
  max-width: 1200px;
  margin: 0 auto;
}
.broker-service-card {
  background: white;
  padding: 28px;
  border-radius: 12px;
  box-shadow: 0 2px 8px rgba(0,0,0,0.06);
  transition: transform 0.2s, box-shadow 0.2s;
}
.broker-service-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 24px rgba(0,0,0,0.1);
}
.broker-service-card h3 {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--broker-blue);
  margin: 0 0 8px;
}
.broker-service-title-sub {
  font-size: 1rem !important;
  font-weight: 600 !important;
  color: var(--broker-red) !important;
  margin-bottom: 12px !important;
}
.broker-service-card p {
  font-size: 0.95rem;
  color: var(--broker-gray);
  margin: 0;
  line-height: 1.6;
}

/* Trust - default (fallback for other usages) */
.broker-trust-intro {
  max-width: 700px;
  font-size: 1.05rem;
  line-height: 1.65;
}

/* Trust - Featured layout (red bg, left text+image, right 4 cards) */
.broker-trust-featured {
  position: relative;
  padding: 64px 24px 80px;
  background: var(--broker-red);
  overflow: hidden;
}
.broker-trust-overlay {
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' viewBox='0 0 20 20'%3E%3Cpath d='M0 0l20 20M20 0L0 20' stroke='rgba(0,0,0,0.06)' stroke-width='0.5' fill='none'/%3E%3C/svg%3E");
  pointer-events: none;
}
.broker-trust-inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: stretch;
  max-width: 1200px;
  margin: 0 auto;
}
.broker-trust-left {
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.broker-trust-featured .broker-trust-label {
  display: inline-block;
  padding: 10px 24px;
  background: var(--broker-blue);
  color: white;
  font-size: 0.9rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  border-radius: 50px;
  width: fit-content;
}
.broker-trust-featured .broker-trust-intro {
  color: white;
  margin: 0;
  max-width: 100%;
}
.broker-trust-image-wrap {
  margin-top: auto;
  position: relative;
  overflow: visible;
  width: 100%;
  max-width: 380px;
}
.broker-trust-image-inner {
  overflow: hidden;
  border-radius: 50%;
  border: 4px solid white;
  box-shadow: 0 12px 40px rgba(0,0,0,0.2);
  aspect-ratio: 1;
}
.broker-trust-image {
  width: 100%;
  height: 100%;
  display: block;
  object-fit: cover;
}
.broker-trust-stats-bar {
  position: absolute;
  bottom: 0;
  left: 50%;
  transform: translateX(-50%) translateY(40%);
  width: 92%;
  background: white;
  border-radius: 0 0 16px 16px;
  padding: 20px 16px 24px;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  box-shadow: 0 8px 24px rgba(0,0,0,0.15);
  z-index: 2;
}
.broker-trust-stat {
  text-align: center;
  padding: 0 8px;
}
.broker-trust-stat + .broker-trust-stat {
  border-left: 1px solid #e5e7eb;
}
.broker-trust-stat-value {
  display: block;
  font-size: 1.75rem;
  font-weight: 800;
  color: #1f2937;
  line-height: 1.1;
  margin-bottom: 4px;
}
.broker-trust-stat-label {
  display: block;
  font-size: 0.7rem;
  font-weight: 600;
  color: #4b5563;
  line-height: 1.3;
}
.broker-trust-right {
  display: flex;
  align-items: center;
}
.broker-trust-cards-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  width: 100%;
}
.broker-trust-flip-card {
  perspective: 1000px;
  min-height: 330px;
}
.broker-trust-flip-inner {
  position: relative;
  width: 100%;
  height: 100%;
  min-height: 330px;
  transition: transform 0.6s ease;
  transform-style: preserve-3d;
}
.broker-trust-flip-card:hover .broker-trust-flip-inner {
  transform: rotateY(180deg);
}
.broker-trust-flip-front,
.broker-trust-flip-back {
  position: absolute;
  inset: 0;
  backface-visibility: hidden;
  border-radius: 16px;
  padding: 24px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  overflow: hidden;
}
.broker-trust-flip-front {
  background: white;
}
.broker-trust-flip-front .broker-trust-card-icon {
  width: 48px;
  height: 48px;
  color: var(--broker-red);
  flex-shrink: 0;
  margin-bottom: 12px;
}
.broker-trust-flip-front .broker-trust-card-icon svg {
  width: 100%;
  height: 100%;
}
.broker-trust-flip-front h3 {
  font-size: 1rem;
  font-weight: 700;
  color: #1f2937;
  margin: 0;
  line-height: 1.35;
}
.broker-trust-flip-back {
  background: var(--broker-blue);
  transform: rotateY(180deg);
  justify-content: flex-start;
  padding-top: 28px;
}
.broker-trust-flip-back h3 {
  font-size: 1rem;
  font-weight: 700;
  color: white;
  margin: 0 0 12px;
  line-height: 1.35;
  flex-shrink: 0;
}
.broker-trust-flip-back p {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.95);
  line-height: 1.6;
  margin: 0;
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
}
.broker-trust-card-icon {
  width: 48px;
  height: 48px;
  color: var(--broker-red);
  flex-shrink: 0;
}
.broker-trust-card-icon svg {
  width: 100%;
  height: 100%;
}
@media (max-width: 991px) {
  .broker-trust-inner {
    grid-template-columns: 1fr;
  }
  .broker-trust-image-wrap {
    max-width: 400px;
    margin: 0 auto;
  }
  .broker-trust-stat-value {
    font-size: 1.5rem;
  }
  .broker-trust-stat-label {
    font-size: 0.65rem;
  }
}
@media (max-width: 600px) {
  .broker-trust-cards-grid {
    grid-template-columns: 1fr;
  }
}

/* Consultation Card - White card on dark blue with wavy background */
.broker-consultation-card {
  position: relative;
  padding: 64px 24px 80px;
  overflow: hidden;
}
.broker-consultation-card-bg {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, var(--broker-blue) 0%, #0d1f35 100%);
  z-index: 0;
}
.broker-consultation-card-bg::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 320' preserveAspectRatio='none'%3E%3Cpath fill='rgba(255,255,255,0.03)' d='M0,160L48,176C96,192,192,224,288,213.3C384,203,480,149,576,138.7C672,128,768,160,864,165.3C960,171,1056,149,1152,138.7C1248,128,1344,128,1392,128L1440,128L1440,320L1392,320C1344,320,1248,320,1152,320C1056,320,960,320,864,320C768,320,672,320,576,320C480,320,384,320,288,320C192,320,96,320,48,320L0,320Z'/%3E%3C/svg%3E");
  background-size: 100% auto;
  background-repeat: no-repeat;
  background-position: bottom;
  opacity: 0.8;
  pointer-events: none;
}
.broker-consultation-card-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='120' height='120' viewBox='0 0 120 120'%3E%3Cpath d='M30 60 Q60 30 90 60 Q60 90 30 60' fill='none' stroke='rgba(255,255,255,0.04)' stroke-width='0.5'/%3E%3Cpath d='M20 70 Q50 40 80 70 Q50 100 20 70' fill='none' stroke='rgba(255,255,255,0.04)' stroke-width='0.5'/%3E%3C/svg%3E");
  background-size: 120px 120px;
  opacity: 0.6;
  pointer-events: none;
}
.broker-consultation-card-inner {
  position: relative;
  z-index: 1;
  max-width: 640px;
  margin: 0 auto;
}
.broker-consultation-card-box {
  background: white;
  border-radius: 20px;
  padding: 40px 40px 36px;
  box-shadow: 0 24px 64px rgba(0,0,0,0.2);
}
.broker-consultation-card-title {
  font-size: 1.5rem;
  font-weight: 700;
  color: #1f2937;
  margin: 0 0 8px;
  text-transform: uppercase;
  letter-spacing: 0.02em;
}
.broker-consultation-card-intro {
  font-size: 0.95rem;
  color: #6b7280;
  margin: 0 0 28px;
  line-height: 1.5;
}
.broker-consultation-form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.broker-consultation-form-group {
  margin-bottom: 16px;
}
.broker-consultation-form-group input,
.broker-consultation-form-group select {
  width: 100%;
  padding: 12px 16px;
  border: 1px solid #e5e7eb;
  border-radius: 8px;
  background: #f9fafb;
  color: #1f2937;
  font-size: 0.95rem;
  font-family: inherit;
}
.broker-consultation-form-group input::placeholder,
.broker-consultation-form-group select {
  color: #9ca3af;
}
.broker-consultation-form-group select {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%239ca3af' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  padding-right: 36px;
}
.broker-consultation-consent {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.8rem;
  color: #6b7280;
  line-height: 1.5;
  margin: 20px 0 16px;
}
.broker-consultation-checkbox {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  cursor: pointer;
  font-size: 0.9rem;
  color: #374151;
}
.broker-consultation-checkbox input {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  cursor: pointer;
}
.broker-consultation-checkbox a {
  color: var(--broker-red);
  text-decoration: underline;
}
.broker-consultation-checkbox a:hover {
  color: var(--broker-red-dark);
}
.broker-consultation-recaptcha {
  margin: 24px 0 20px;
  padding: 16px;
  border: 1px solid #e5e7eb;
  border-radius: 8px;
  background: #f9fafb;
}
.broker-consultation-recaptcha-placeholder {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
}
.broker-consultation-recaptcha-placeholder input {
  width: 20px;
  height: 20px;
}
.broker-consultation-recaptcha-placeholder label {
  font-size: 0.9rem;
  color: #6b7280;
  cursor: default;
}
.broker-consultation-recaptcha-logo {
  font-size: 0.75rem;
  color: #9ca3af;
  margin-left: auto;
}
.broker-consultation-submit {
  width: 100%;
  padding: 14px 24px;
  font-size: 1rem;
}
.broker-consultation-ribbon {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 20px;
  margin-top: 28px;
  padding: 24px 32px;
  background: var(--broker-red);
  border-radius: 50px;
  text-decoration: none;
  color: white;
  transition: background 0.2s, transform 0.2s;
}
.broker-consultation-ribbon:hover {
  background: var(--broker-red-dark);
  color: white;
  transform: translateY(-2px);
}
.broker-consultation-ribbon-icon {
  width: 36px;
  height: 36px;
  flex-shrink: 0;
}
.broker-consultation-ribbon-text {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 4px;
}
.broker-consultation-ribbon-label {
  font-size: 0.9rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  line-height: 1.2;
}
.broker-consultation-ribbon-phone {
  font-size: 1.5rem;
  font-weight: 800;
  letter-spacing: 0.02em;
  line-height: 1.1;
}
@media (max-width: 600px) {
  .broker-consultation-form-row {
    grid-template-columns: 1fr;
  }
  .broker-consultation-card-box {
    padding: 28px 24px;
  }
  .broker-consultation-ribbon {
    flex-direction: column;
    gap: 12px;
    padding: 20px 24px;
    margin-top: 24px;
  }
  .broker-consultation-ribbon-text {
    align-items: center;
    text-align: center;
  }
  .broker-consultation-ribbon-phone {
    font-size: 1.35rem;
  }
}

/* Experts */
.broker-experts {
  padding: 80px 24px;
  background: var(--broker-gray-light);
}
.broker-expert-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
  max-width: 1200px;
  margin: 0 auto;
}
.broker-expert-card {
  background: white;
  padding: 32px;
  border-radius: 12px;
  box-shadow: 0 2px 8px rgba(0,0,0,0.06);
}
.broker-expert-card h3 {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--broker-blue);
  margin: 0 0 12px;
}
.broker-expert-card p {
  font-size: 0.95rem;
  color: var(--broker-gray);
  margin: 0;
  line-height: 1.6;
}

/* Callback */
.broker-callback {
  padding: 80px 24px;
  background: white;
}
.broker-callback .broker-section-title { text-align: center; margin-bottom: 40px; }
.broker-callback-form {
  max-width: 400px;
  margin: 0 auto;
}
.broker-callback-form .broker-form-group input {
  background: #f9fafb;
  color: #1f2937;
  border-color: #e5e7eb;
}
.broker-callback-form .broker-form-group input::placeholder { color: #9ca3af; }

/* Footer */
.broker-footer {
  position: relative;
  background-image: url('/assets/footer-bg.png');
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  color: rgba(255,255,255,0.9);
  padding: 64px 24px 32px;
}
.broker-footer-overlay {
  position: absolute;
  inset: 0;
  background: rgba(0, 0, 0, 0.5);
  z-index: 0;
}
.broker-footer .container {
  position: relative;
  z-index: 1;
  max-width: 1000px;
  margin: 0 auto;
}
.broker-footer-logo {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 24px;
  margin-bottom: 40px;
}
.broker-footer-name {
  font-size: 1.5rem;
  font-weight: 700;
  color: white;
  margin: 0;
  letter-spacing: 0.02em;
}
.broker-footer-logo-img {
  height: 48px;
  width: auto;
  display: block;
}
.broker-footer-top {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 48px 80px;
  align-items: start;
  margin-bottom: 40px;
}
.broker-footer-contact {
  text-align: left;
}
.broker-footer-tagline {
  font-size: 1rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: white;
  margin: 0 0 4px;
  line-height: 1.4;
}
.broker-footer-phone {
  display: block;
  font-size: 1.75rem;
  font-weight: 700;
  color: white;
  text-decoration: none;
  margin: 16px 0 8px;
}
.broker-footer-phone:hover {
  color: white;
  text-decoration: underline;
}
.broker-footer-email {
  display: block;
  color: white;
  text-decoration: none;
  font-size: 0.95rem;
  margin-bottom: 20px;
}
.broker-footer-email:hover {
  color: rgba(255,255,255,0.9);
  text-decoration: underline;
}
.broker-footer-social {
  display: flex;
  gap: 16px;
}
.broker-footer-social a {
  color: white;
  text-decoration: none;
  font-size: 0.9rem;
}
.broker-footer-social a:hover { color: rgba(255,255,255,0.85); }
.broker-footer-legals {
  text-align: left;
}
.broker-footer-legals h3 {
  font-size: 1rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 12px;
  color: white;
}
.broker-footer-legals ul { list-style: none; padding: 0; margin: 0; }
.broker-footer-legals li { margin-bottom: 8px; }
.broker-footer-legals a {
  color: rgba(255,255,255,0.9);
  text-decoration: none;
  font-size: 0.9rem;
}
.broker-footer-legals a:hover { color: white; }
.broker-footer-legal-text {
  font-size: 0.72rem;
  line-height: 1.7;
  margin-bottom: 28px;
  text-align: center;
  max-width: 100%;
  color: rgba(255,255,255,0.9);
}
.broker-footer-legal-text p {
  margin: 0;
}
.broker-footer-powered {
  text-align: center;
  padding-top: 20px;
  border-top: 1px solid rgba(255,255,255,0.15);
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: rgba(255,255,255,0.9);
}
.broker-footer-powered p {
  margin: 0;
}
@media (max-width: 768px) {
  .broker-footer-top {
    grid-template-columns: 1fr;
    gap: 32px;
  }
  .broker-footer-contact {
    text-align: center;
  }
  .broker-footer-social {
    justify-content: center;
  }
  .broker-footer-legals {
    text-align: center;
  }
  .broker-footer-legals ul {
    display: inline-block;
    text-align: left;
  }
}

@media (max-width: 768px) {
  .broker-hero h1, .broker-hero-title { font-size: 2rem; }
  .broker-mainnav-inner { flex-direction: column; padding: 16px 20px; }
  .broker-mainnav { padding: 16px 20px; }
  .broker-topbar { padding: 10px 20px; }
  .broker-topbar-inner { flex-direction: column; align-items: flex-start; gap: 12px; }
  .broker-topbar-right { flex-direction: column; align-items: flex-start; gap: 12px; }
  .broker-topbar-left { flex-direction: column; gap: 8px; }
  .broker-nav { justify-content: center; }
  .broker-checkboxes { grid-template-columns: 1fr; }
  .broker-hero-white { padding: 48px 20px 64px; }
  .broker-hero-left { padding-right: 0; }
  .broker-hero-right { min-height: 320px; }
  .broker-hero-imgs { min-height: 280px; }
  .broker-hero-logo-wrap { right: 0; width: 75%; }
  .broker-hero-person-wrap { right: 10%; width: 50%; }
  .broker-hero-float { right: 12px; top: auto; bottom: 24px; transform: none; flex-direction: row; }
  .broker-logo { flex-wrap: wrap; }
  .broker-logo-access-wrap { margin-left: 0; width: 100%; margin-top: 4px; }
}