/* helpfirsttimebuyersmortgages.com — bright, friendly, mobile-first */
@font-face{font-family:"Display";src:url(/assets/fonts/display.woff2) format("woff2-variations");font-weight:100 900;font-display:swap}
@font-face{font-family:"Body";src:url(/assets/fonts/body.woff2) format("woff2-variations");font-weight:200 1000;font-style:normal;font-display:swap}
@font-face{font-family:"Body";src:url(/assets/fonts/body-i.woff2) format("woff2-variations");font-weight:200 1000;font-style:italic;font-display:swap}

:root{
  --ink:#1E2A3A;
  --ink-2:#3D4B5E;
  --mute:#6B7788;
  --paper:#FFFBF5;
  --white:#fff;
  --line:#E8E1D6;
  --coral:#FF5C5C;
  --coral-d:#E04848;
  --sun:#FFD166;
  --sun-l:#FFF1C9;
  --mint:#12C99B;
  --mint-l:#D9F7EE;
  --sky:#3FA9F5;
  --sky-l:#DCEFFD;
  --violet:#7B5CFF;
  --violet-l:#E9E3FF;
  --peach:#FFE3D6;
  --r:16px;
  --wrap:1120px;
  --display:"Display",system-ui,sans-serif;
  --body:"Body",system-ui,sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:var(--body);font-size:17.5px;line-height:1.65;color:var(--ink);background:var(--paper);font-variant-numeric:lining-nums}
img,svg{max-width:100%;display:block}
a{color:var(--sky);text-decoration-thickness:2px;text-underline-offset:3px}
a:hover{color:var(--ink)}
h1,h2,h3,h4{font-family:var(--display);font-weight:700;line-height:1.1;margin:0 0 .5em;letter-spacing:-.015em}
h1{font-size:clamp(36px,5.6vw,64px);font-weight:800}
h2{font-size:clamp(28px,3.6vw,42px)}
h3{font-size:clamp(20px,2vw,24px)}
h4{font-size:14px;letter-spacing:.1em;text-transform:uppercase;font-weight:800;color:var(--mute);margin-bottom:.8em}
p{margin:0 0 1em}
.lead{font-size:clamp(18px,1.6vw,21px);line-height:1.55;color:var(--ink-2)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.sr{position:absolute;left:-9999px}
.sr:focus{left:16px;top:16px;background:var(--sun);padding:10px 14px;z-index:99}
:focus-visible{outline:3px solid var(--sky);outline-offset:2px}
.hl{background:linear-gradient(transparent 55%,var(--sun) 55%,var(--sun) 92%,transparent 92%);padding:0 .1em}
.mute{color:var(--mute)}
.small{font-size:14.5px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--display);font-weight:700;font-size:16.5px;line-height:1;padding:16px 24px;border-radius:999px;border:2px solid transparent;text-decoration:none;cursor:pointer;transition:transform .12s,background .15s,color .15s;white-space:nowrap}
.btn:active{transform:scale(.98)}
.btn-coral{background:var(--coral);color:#fff;border-color:var(--coral)}
.btn-coral:hover{background:var(--coral-d);border-color:var(--coral-d);color:#fff}
.btn-ink{background:var(--ink);color:#fff;border-color:var(--ink)}
.btn-ink:hover{background:#0F1722;color:#fff}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn-ghost:hover{background:var(--ink);color:#fff}
.btn-white{background:#fff;color:var(--ink);border-color:#fff}
.btn-white:hover{background:var(--sun);border-color:var(--sun);color:var(--ink)}
.btn-lg{font-size:18px;padding:19px 30px}
.btn-sm{font-size:15px;padding:11px 18px}

/* Header */
.site-header{background:var(--paper);position:sticky;top:0;z-index:50;border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;min-height:74px;gap:20px}
.logo{display:inline-flex;align-items:center;gap:10px;font-family:var(--display);font-weight:800;font-size:20px;color:var(--ink);text-decoration:none;letter-spacing:-.02em;line-height:1}
.logo svg{width:38px;height:38px}
.logo span b{color:var(--coral)}
.nav{display:flex;align-items:center;gap:24px}
.nav a{color:var(--ink);text-decoration:none;font-weight:700;font-size:15.5px}
.nav a:hover,.nav a[aria-current]{color:var(--coral)}
.nav-toggle{display:none;background:transparent;border:2px solid var(--ink);border-radius:999px;padding:9px 16px;font:inherit;font-weight:700;font-size:15px;cursor:pointer;color:var(--ink)}
@media (min-width:901px) and (max-width:1060px){.nav{gap:14px}.nav a{font-size:14px}}
@media (max-width:900px){
  .nav-toggle{display:inline-block}
  .nav{display:none;position:absolute;left:0;right:0;top:74px;background:var(--paper);flex-direction:column;align-items:stretch;padding:12px 20px 22px;gap:2px;border-bottom:1px solid var(--line)}
  .nav.open{display:flex}
  .nav a{padding:13px 4px;border-bottom:1px solid var(--line);font-size:17px}
  .nav .btn{margin-top:12px;border-bottom:0;justify-content:center}
}

/* Sections */
section{padding:72px 0}
@media (max-width:700px){section{padding:52px 0}}
.tint-sun{background:var(--sun-l)}
.tint-mint{background:var(--mint-l)}
.tint-sky{background:var(--sky-l)}
.tint-violet{background:var(--violet-l)}
.tint-peach{background:var(--peach)}
.dark{background:var(--ink);color:#fff}
.dark h1,.dark h2,.dark h3{color:#fff}
.dark .lead{color:rgba(255,255,255,.82)}
.dark a{color:var(--sun)}
.section-head{max-width:720px;margin-bottom:36px}
.section-head p{font-size:18px;color:var(--ink-2)}
.center{text-align:center;margin-left:auto;margin-right:auto}
.kicker{display:inline-block;font-family:var(--display);font-size:13px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--ink);background:var(--sun);padding:6px 12px;border-radius:999px;margin-bottom:16px}
.kicker.mint{background:var(--mint-l);color:#0A7A5E}
.kicker.sky{background:var(--sky-l);color:#1B6FB0}
.kicker.violet{background:var(--violet-l);color:#5A3FD6}

/* Hero */
.hero{padding:56px 0 40px;overflow:hidden;position:relative}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:center}
.hero h1{margin-bottom:20px}
.hero .lead{margin-bottom:28px;max-width:540px}
.hero .btns{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:26px}
.hero .trust{display:flex;flex-wrap:wrap;gap:8px 20px;margin:0;padding:0;list-style:none;font-size:15px;color:var(--ink-2);font-weight:600}
.hero .trust li{display:flex;align-items:center;gap:8px}
.hero .trust svg{width:18px;height:18px;color:var(--mint)}
.hero-art{position:relative}
.hero-art svg{width:100%;height:auto}
@media (max-width:900px){.hero{padding:36px 0 24px}.hero .wrap{grid-template-columns:1fr;gap:24px}.hero-art{max-width:460px;margin:0 auto}}

/* Blobs */
.blob{position:absolute;border-radius:50%;z-index:-1;pointer-events:none}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;counter-reset:step}
.step-card{background:#fff;border-radius:var(--r);padding:26px 24px 22px;border:2px solid var(--line);position:relative}
.step-card .n{font-family:var(--display);font-weight:800;font-size:15px;width:36px;height:36px;border-radius:50%;display:grid;place-items:center;margin-bottom:14px;color:var(--ink)}
.step-card:nth-child(1) .n{background:var(--sun)}
.step-card:nth-child(2) .n{background:var(--mint-l)}
.step-card:nth-child(3) .n{background:var(--sky-l)}
.step-card:nth-child(4) .n{background:var(--violet-l)}
.step-card h3{font-size:21px;margin-bottom:6px}
.step-card p{font-size:15.5px;color:var(--ink-2);margin:0 0 10px}
.step-card a{font-weight:700;text-decoration:none;font-size:15px}
.step-card a:hover{text-decoration:underline}
@media (max-width:900px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:540px){.steps{grid-template-columns:1fr}}

/* Cards / tiles */
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
@media (max-width:900px){.grid-3,.grid-4{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}
.tile{background:#fff;border:2px solid var(--line);border-radius:var(--r);padding:26px;display:flex;flex-direction:column;gap:8px;transition:transform .15s,border-color .15s;text-decoration:none;color:var(--ink)}
a.tile:hover{transform:translateY(-3px);border-color:var(--ink);color:var(--ink)}
.tile h3{margin:0;font-size:21px}
.tile p{margin:0;font-size:15.5px;color:var(--ink-2);flex:1}
.tile .go{font-weight:800;font-size:14.5px;color:var(--coral);font-family:var(--display)}
.tile .ico{width:52px;height:52px;border-radius:14px;display:grid;place-items:center;margin-bottom:6px}
.tile .ico svg{width:28px;height:28px}
.ico.sun{background:var(--sun-l);color:#B8860B}.ico.mint{background:var(--mint-l);color:#0A7A5E}.ico.sky{background:var(--sky-l);color:#1B6FB0}.ico.violet{background:var(--violet-l);color:#5A3FD6}.ico.coral{background:#FFE0E0;color:var(--coral-d)}

/* A to Z */
.az-nav{display:flex;flex-wrap:wrap;gap:6px;margin:0 0 36px;padding:0;list-style:none}
.az-nav a{display:grid;place-items:center;width:40px;height:40px;border-radius:12px;background:#fff;border:2px solid var(--line);font-family:var(--display);font-weight:800;text-decoration:none;color:var(--ink)}
.az-nav a:hover{background:var(--sun);border-color:var(--sun)}
.az{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media (max-width:760px){.az{grid-template-columns:1fr}}
.az-item{background:#fff;border:2px solid var(--line);border-radius:var(--r);padding:22px 24px 22px 90px;position:relative;scroll-margin-top:96px}
.az-item .letter{position:absolute;left:22px;top:20px;width:50px;height:50px;border-radius:14px;display:grid;place-items:center;font-family:var(--display);font-weight:800;font-size:26px;color:var(--ink)}
.az-item:nth-child(4n+1) .letter{background:var(--sun)}
.az-item:nth-child(4n+2) .letter{background:var(--mint-l)}
.az-item:nth-child(4n+3) .letter{background:var(--sky-l)}
.az-item:nth-child(4n+4) .letter{background:var(--violet-l)}
.az-item h3{font-size:21px;margin-bottom:6px}
.az-item p{font-size:15.5px;color:var(--ink-2);margin:0}
.az-item p a{font-weight:700}

/* Prose */
.article{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:56px;align-items:start}
@media (max-width:940px){.article{grid-template-columns:1fr;gap:36px}}
.prose{max-width:68ch}
.prose h2{font-size:clamp(25px,2.6vw,32px);margin-top:44px}
.prose h2:first-child{margin-top:0}
.prose h3{margin-top:30px}
.prose ul,.prose ol{padding-left:22px;margin:0 0 18px}
.prose li{margin-bottom:8px}
.prose table{border-collapse:collapse;width:100%;font-size:15.5px;margin:16px 0 26px;background:#fff;border-radius:12px;overflow:hidden}
.prose th,.prose td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:top}
.prose th{font-family:var(--display);font-weight:800;font-size:13px;letter-spacing:.06em;text-transform:uppercase;background:var(--sun-l)}
.prose .note{background:var(--sky-l);border-left:5px solid var(--sky);padding:16px 20px;border-radius:0 12px 12px 0;margin:22px 0;font-size:15.5px}
.prose .tip{background:var(--mint-l);border-left:5px solid var(--mint);padding:16px 20px;border-radius:0 12px 12px 0;margin:22px 0;font-size:15.5px}
.prose .warn{background:#FFE0E0;border-left:5px solid var(--coral);padding:16px 20px;border-radius:0 12px 12px 0;margin:22px 0;font-size:15.5px}
.prose blockquote{margin:24px 0;padding:0 0 0 20px;border-left:4px solid var(--sun);font-family:var(--display);font-size:22px;font-weight:600;color:var(--ink-2)}
.aside{position:sticky;top:96px}
.aside .box{background:var(--ink);color:#fff;border-radius:var(--r);padding:26px}
.aside .box h3{color:#fff;font-size:22px;margin-bottom:8px}
.aside .box p{font-size:15px;color:rgba(255,255,255,.82)}
.aside .box .btn{width:100%;margin-top:8px}
.aside .links{background:#fff;border:2px solid var(--line);border-radius:var(--r);padding:20px 22px;margin-top:16px}
.aside .links h4{margin-bottom:10px}
.aside .links ul{list-style:none;margin:0;padding:0}
.aside .links li{padding:7px 0;border-top:1px solid var(--line);font-size:15px}
.aside .links li:first-child{border-top:0}
.aside .links a{text-decoration:none;font-weight:700}
.aside .links a:hover{text-decoration:underline}
.page-head{padding:52px 0 40px}
.page-head h1{max-width:20ch}
.page-head .lead{max-width:60ch}
.crumbs{font-size:14px;margin-bottom:18px;color:var(--mute)}
.crumbs a{color:var(--mute);text-decoration:none;font-weight:700}
.crumbs a:hover{color:var(--coral)}
.crumbs span::before{content:"›";margin:0 8px}

/* Forms */
.field{margin-bottom:16px}
.field label,.field .lbl{display:block;font-weight:800;font-size:14.5px;margin-bottom:6px;font-family:var(--display)}
.field input[type=text],.field input[type=email],.field input[type=number],.field select,.field textarea{width:100%;font:inherit;font-size:17px;padding:14px 16px;border:2px solid var(--line);border-radius:12px;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--ink);outline:none;box-shadow:0 0 0 4px var(--sky-l)}
.field input[aria-invalid=true]{border-color:var(--coral)}
.field .hint{font-size:13.5px;color:var(--mute);margin-top:6px}
.field .error{display:none;color:var(--coral-d);font-size:14px;margin-top:6px;font-weight:700}
.field .error.show{display:block}
.money{position:relative}
.money::before{content:"£";position:absolute;left:16px;top:50%;transform:translateY(-50%);font-weight:800;color:var(--mute)}
.money input{padding-left:32px!important}
.row-2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:520px){.row-2{grid-template-columns:1fr}}
.consent{display:flex;gap:12px;align-items:flex-start;font-size:14px;margin-top:6px;color:var(--ink-2)}
.consent input{margin-top:4px;width:20px;height:20px;flex:0 0 20px;accent-color:var(--coral)}
.hp{position:absolute;left:-9999px;opacity:0;height:0;overflow:hidden}
.seg{display:flex;border:2px solid var(--line);border-radius:12px;overflow:hidden;background:#fff}
.seg label{flex:1;position:relative;cursor:pointer;text-align:center}
.seg input{position:absolute;opacity:0;inset:0}
.seg span{display:block;padding:12px 8px;font-size:14.5px;font-weight:700}
.seg input:checked+span{background:var(--ink);color:#fff}

/* Signup card */
.signup{background:#fff;border-radius:24px;padding:36px;border:3px solid var(--ink);box-shadow:8px 8px 0 var(--sun)}
@media (max-width:520px){.signup{padding:24px 20px}}
.signup h2{font-size:28px;margin-bottom:6px}
.signup .btn{width:100%;margin-top:6px}
.signup .fine{font-size:13px;color:var(--mute);margin:12px 0 0;text-align:center}
.thanks{background:#fff;border-radius:24px;padding:36px;border:3px solid var(--mint);box-shadow:8px 8px 0 var(--mint-l)}
.thanks:focus{outline:none}
.dl-list{list-style:none;padding:0;margin:20px 0 0;display:grid;gap:10px}
.dl-list a{display:flex;align-items:center;gap:14px;background:var(--paper);border:2px solid var(--line);border-radius:14px;padding:14px 16px;text-decoration:none;color:var(--ink);font-weight:700}
.dl-list a:hover{border-color:var(--ink)}
.dl-list svg{width:26px;height:26px;color:var(--coral);flex:0 0 26px}
.dl-list small{display:block;font-weight:400;color:var(--mute);font-size:13.5px}
.magnet{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
@media (max-width:900px){.magnet{grid-template-columns:1fr;gap:28px}}
.pdf-preview{background:#fff;border-radius:18px;border:2px solid var(--line);padding:22px;box-shadow:0 30px 50px -30px rgba(30,42,58,.4);transform:rotate(-2deg);max-width:420px;margin:0 auto}
.pdf-preview .top{display:flex;align-items:center;gap:10px;margin-bottom:14px}
.pdf-preview .top b{font-family:var(--display);font-size:18px}
.pdf-preview ul{list-style:none;margin:0;padding:0;font-size:14.5px}
.pdf-preview li{display:flex;gap:10px;align-items:flex-start;padding:7px 0;border-top:1px dashed var(--line)}
.pdf-preview li span:first-child{width:18px;height:18px;border:2px solid var(--ink);border-radius:5px;flex:0 0 18px;margin-top:2px}
.pdf-preview li.done span:first-child{background:var(--mint);border-color:var(--mint)}

/* Calculators */
.calc{background:#fff;border:2px solid var(--line);border-radius:var(--r);padding:28px;display:grid;grid-template-columns:1fr 1fr;gap:32px;margin-bottom:28px;scroll-margin-top:96px}
@media (max-width:760px){.calc{grid-template-columns:1fr;padding:20px}}
.calc h3{margin-bottom:6px;font-size:24px}
.calc .intro{font-size:15px;color:var(--mute);margin-bottom:18px}
.calc .out{background:var(--ink);color:#fff;border-radius:var(--r);padding:24px;align-self:start}
.calc .out .lbl{font-size:12.5px;letter-spacing:.1em;text-transform:uppercase;font-weight:800;color:var(--sun);font-family:var(--display)}
.calc .out .big{font-family:var(--display);font-size:42px;font-weight:800;line-height:1.05;margin:4px 0 6px}
.calc .out dl{display:grid;grid-template-columns:1fr auto;gap:8px 16px;margin:18px 0 0;font-size:15px}
.calc .out dt{color:rgba(255,255,255,.75)}
.calc .out dd{margin:0;text-align:right;font-weight:800}
.calc .out .fine{font-size:12.5px;color:rgba(255,255,255,.6);margin:16px 0 0}
.calc input[type=range]{width:100%;accent-color:var(--coral)}
.calc label:has(output){display:flex;justify-content:space-between}
.calc output{font-weight:800}

/* FAQ */
.faq{max-width:820px}
.faq details{background:#fff;border:2px solid var(--line);border-radius:14px;padding:4px 20px;margin-bottom:10px}
.faq summary{cursor:pointer;font-family:var(--display);font-weight:700;font-size:19px;padding:14px 36px 14px 0;position:relative;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:10px;font-size:26px;color:var(--coral);font-weight:400}
.faq details[open] summary::after{content:"–"}
.faq .a{padding:0 0 16px;color:var(--ink-2);font-size:16px}

/* Quote / stat band */
.band{background:var(--ink);color:#fff;padding:26px 0}
.band .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.band b{display:block;font-family:var(--display);font-size:32px;font-weight:800;line-height:1;margin-bottom:4px;color:var(--sun)}
.band span{font-size:14px;color:rgba(255,255,255,.8)}
.band .note{grid-column:1/-1;font-size:12.5px;color:rgba(255,255,255,.55);margin:4px 0 0}
@media (max-width:760px){.band .wrap{grid-template-columns:1fr 1fr}}

/* CTA */
.cta{padding:64px 0}
.cta .box{background:var(--ink);color:#fff;border-radius:28px;padding:48px;display:grid;grid-template-columns:1fr auto;gap:28px;align-items:center;position:relative;overflow:hidden}
.cta .box::before{content:"";position:absolute;right:-60px;top:-80px;width:260px;height:260px;border-radius:50%;background:var(--coral);opacity:.9}
.cta .box::after{content:"";position:absolute;right:120px;bottom:-120px;width:220px;height:220px;border-radius:50%;background:var(--sun);opacity:.9}
.cta .box>*{position:relative;z-index:1}
.cta h2{color:#fff;margin-bottom:8px}
.cta p{margin:0;color:rgba(255,255,255,.82);max-width:52ch}
.cta .btns{display:flex;gap:12px;flex-wrap:wrap}
@media (max-width:760px){.cta .box{grid-template-columns:1fr;padding:32px 24px}.cta .box::after{display:none}}

/* Broker handoff */
.handoff{display:grid;grid-template-columns:1fr 1fr;gap:20px}
@media (max-width:700px){.handoff{grid-template-columns:1fr}}
.handoff .tile{border-width:3px}
.handoff .tile.ni{border-color:var(--mint)}
.handoff .tile.gb{border-color:var(--sky)}

/* Footer */
.site-footer{background:#fff;border-top:1px solid var(--line);padding:52px 0 28px;font-size:15px;color:var(--ink-2)}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px;margin-bottom:32px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:8px}
.site-footer a{color:var(--ink);text-decoration:none}
.site-footer a:hover{color:var(--coral);text-decoration:underline}
.legal{border-top:1px solid var(--line);padding-top:20px;font-size:13.5px;color:var(--mute)}
.legal p{margin-bottom:8px;max-width:100ch}
@media (max-width:860px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:480px){.foot-grid{grid-template-columns:1fr}}

/* Cookie */
.cookie{display:none;position:fixed;left:16px;right:16px;bottom:16px;max-width:520px;margin:0 auto;background:#fff;border:2px solid var(--ink);border-radius:16px;padding:16px 18px;box-shadow:8px 8px 0 var(--sun);z-index:60;gap:14px;align-items:center;font-size:14px}
.cookie.show{display:flex}
.cookie p{margin:0;flex:1}
@media (max-width:520px){.cookie{flex-direction:column;align-items:stretch}}
@media print{.site-header,.site-footer,.cookie,.cta{display:none}}