:root{
  --ink:#111111;
  --muted:#555555;
  --paper:#ffffff;
  --mist:#f6f6f2;
  --line:#deded6;
  --blue:#006f78;
  --blue2:#0a8791;
  --gold:#f2d21b;
  --danger:#cf2e2e;
  --green:#1f7a68;
  --radius:18px;
  --shadow:0 18px 45px rgba(17,17,17,.10);
}
*{box-sizing:border-box}
body{margin:0;font-family:Inter,Arial,Helvetica,sans-serif;color:var(--ink);background:var(--mist);line-height:1.55}
a{color:var(--blue2);text-decoration:none}a:hover{text-decoration:underline}
.skip{position:absolute;left:-999px;top:auto}.skip:focus{left:1rem;top:1rem;background:#fff;padding:.7rem 1rem;border:2px solid var(--blue);z-index:99}
.topbar{background:#111;color:#fff;font-size:.94rem;border-bottom:4px solid var(--gold)}.topbar .wrap{display:flex;gap:1rem;justify-content:space-between;align-items:center;padding:.55rem 1.2rem}.topbar a{color:#fff;text-decoration:underline;text-underline-offset:3px}
.wrap{max-width:1160px;margin:0 auto;padding:0 1.2rem}
header.site{background:#fff;border-bottom:4px solid var(--blue);position:relative;z-index:10;box-shadow:0 2px 20px rgba(16,32,51,.04)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:1rem 1.6rem;flex-wrap:wrap;padding:.9rem 0;min-height:82px}.brand{display:flex;align-items:center;gap:1.1rem;color:var(--ink);min-width:0;flex:0 0 auto;max-width:440px}.site-logo{width:128px;height:52px;display:block;object-fit:contain;flex:0 0 128px}.brand-text{display:block;border-left:1px solid var(--line);padding-left:.9rem;white-space:nowrap;line-height:1.25}.brand strong{display:block;font-size:.98rem}.brand span{display:block;font-size:.78rem;color:var(--muted)}
nav{flex:1 1 560px;min-width:0}nav ul{display:flex;gap:.25rem;row-gap:.25rem;align-items:center;justify-content:flex-end;flex-wrap:wrap;list-style:none;margin:0;padding:0}nav a{display:block;color:var(--ink);font-weight:700;font-size:.86rem;padding:.48rem .5rem;border-radius:999px;white-space:nowrap}nav a[aria-current="page"],nav a:hover{background:#fff6a8;text-decoration:none;color:#111}
.menu-btn{display:none;border:1px solid var(--line);background:#fff;border-radius:999px;padding:.55rem .8rem;font-weight:700}
@media(max-width:1100px){.brand{max-width:155px}.brand-text{display:none}.site-logo{width:118px;height:46px;flex-basis:118px}nav{flex-basis:600px}nav a{font-size:.84rem;padding:.42rem .45rem}}
.hero{background:radial-gradient(circle at 20% 10%,rgba(242,210,27,.28),transparent 32%),linear-gradient(135deg,#003d43,#006f78 58%,#0a8791);color:#fff}.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:2.2rem;align-items:center;padding:5.4rem 1.2rem 4.8rem}.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:.78rem;font-weight:800;color:#f2d21b}.hero h1{font-size:clamp(2.15rem,5vw,4.6rem);line-height:1.02;margin:.7rem 0 1rem}.hero p{font-size:1.18rem;color:#eefafa;max-width:680px}.hero-card{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.22);border-radius:var(--radius);padding:1.4rem;box-shadow:var(--shadow);backdrop-filter:blur(6px)}.hero-card h2{margin-top:0}.hero-card li{margin:.55rem 0}.buttons{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.3rem}.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;padding:.78rem 1rem;font-weight:800;border:2px solid transparent}.btn.primary{background:var(--gold);color:#111;border-color:#111}.btn.secondary{background:#fff;color:#006f78;border-color:#006f78}.btn.ghost{border-color:rgba(255,255,255,.7);color:#fff}.btn.light{background:#fff6a8;color:#111}
main{background:var(--mist)}.section{padding:3rem 0}.section.white{background:#fff}.section h2{font-size:clamp(1.7rem,3vw,2.45rem);line-height:1.1;margin:.2rem 0 1rem}.lead{font-size:1.12rem;color:var(--muted);max-width:850px}.grid{display:grid;gap:1.2rem}.grid.three{grid-template-columns:repeat(3,1fr)}.grid.two{grid-template-columns:repeat(2,1fr)}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.3rem;box-shadow:0 10px 24px rgba(16,32,51,.05)}.card h3{margin-top:0}.kicker{font-size:.78rem;text-transform:uppercase;letter-spacing:.12em;font-weight:800;color:var(--blue2)}.stat{font-size:2.1rem;font-weight:900;color:var(--blue);line-height:1}.callout{border-left:6px solid var(--gold);background:#fffbea;padding:1rem 1.1rem;border-radius:12px}.warning{border-left-color:var(--danger);background:#fff1f1}.success{border-left-color:var(--green);background:#effaf7}
.page-hero{background:#006f78;color:#fff}.page-hero .wrap{padding:3rem 1.2rem}.page-hero h1{font-size:clamp(2rem,4vw,3.5rem);margin:.5rem 0}.page-hero p{color:#eefafa;max-width:850px;font-size:1.12rem}.breadcrumb{font-size:.9rem;color:#d5f2f4}.breadcrumb a{color:#fff;text-decoration:underline}
.timeline{position:relative;margin:1rem 0 0;padding-left:1.2rem;border-left:3px solid var(--line)}.event{position:relative;margin:0 0 1rem;background:#fff;border:1px solid var(--line);border-radius:14px;padding:1rem}.event:before{content:"";position:absolute;left:-1.55rem;top:1.2rem;width:.8rem;height:.8rem;border-radius:50%;background:var(--gold);border:3px solid #fff}.date{font-weight:900;color:var(--blue)}
.resources li,.checklist li{margin:.65rem 0}.tag{display:inline-block;font-size:.8rem;border-radius:999px;background:#fff6a8;color:#111;padding:.25rem .55rem;font-weight:800;margin:.15rem}.source-list{font-size:.92rem;color:var(--muted)}
footer{background:#111111;color:#eeeeee;padding:2.5rem 0}footer a{color:#fff}footer .footgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:1.4rem}footer small{color:#c8c8c8}.fineprint{font-size:.9rem;color:#c8c8c8;border-top:1px solid rgba(255,255,255,.12);margin-top:1.5rem;padding-top:1rem}
@media(max-width:900px){.site-logo{width:108px;height:42px;max-width:42vw;flex-basis:108px}.brand-text{display:none}.brand{min-width:0;max-width:125px}.nav{flex-wrap:nowrap;min-height:74px;padding:.75rem 0}.hero .wrap,.grid.three,.grid.two,footer .footgrid{grid-template-columns:1fr}.menu-btn{display:inline-flex;margin-left:auto}nav{flex:0 0 auto}nav ul{display:none;position:absolute;left:1.2rem;right:1.2rem;top:90px;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);padding:.7rem;flex-direction:column;align-items:stretch;z-index:60}nav ul.open{display:flex}nav a{border-radius:12px}.topbar .wrap{display:block}.hero .wrap{padding:3.8rem 1.2rem}}
@media(max-width:420px){.site-logo{width:98px;height:38px;flex-basis:98px}.topbar{font-size:.86rem}nav ul{top:84px}}

.steps{margin:1rem 0 0;padding-left:1.35rem}.steps li{margin:.8rem 0;padding-left:.15rem}.steps.compact li{margin:.55rem 0}.example{white-space:pre-wrap;background:#111;color:#f6f6f2;border-radius:14px;padding:1rem 1.1rem;overflow:auto;border-left:6px solid var(--gold);font-size:.94rem;line-height:1.5}.example code{font-family:Consolas,Menlo,Monaco,monospace}


/* FINAL LCAG LOGO FIX
   Uses the original loanchargeactiongroup.org.uk logo asset directly. Do not replace with SVG.
   The image is proportionally scaled: no cropping, no fixed height distortion. */
.brand{
  display:flex;
  align-items:center;
  gap:1.25rem;
  overflow:visible;
  flex:0 0 auto;
  max-width:none;
}
.site-logo{
  width:200px !important;
  height:auto !important;
  max-width:200px !important;
  max-height:none !important;
  object-fit:contain !important;
  object-position:left center !important;
  flex:0 0 auto !important;
  display:block;
}
.header .wrap,
.nav{
  overflow:visible;
}
.nav{
  min-height:92px;
  padding:1.05rem 0;
  gap:1.3rem;
}
.brand-text{
  border-left:1px solid var(--line);
  padding-left:1rem;
  white-space:nowrap;
}
nav ul{
  align-items:center;
}
@media(max-width:1120px){
  .site-logo{width:180px !important;max-width:180px !important;}
  .brand-text{display:none;}
  .nav{min-height:88px;}
}
@media(max-width:900px){
  .site-logo{width:165px !important;max-width:48vw !important;}
  .nav{min-height:82px;padding:.85rem 0;}
  nav ul{top:118px;}
}
@media(max-width:420px){
  .site-logo{width:145px !important;max-width:48vw !important;}
  nav ul{top:110px;}
}


/* Blog and document library */
.narrow{max-width:860px}.article p{font-size:1.05rem}.article h2{margin-top:1.8rem}
.toolbar{display:flex;gap:.8rem;flex-wrap:wrap;margin:1.2rem 0 1.4rem}.search-input,.search-select{border:1px solid var(--line);border-radius:999px;padding:.85rem 1rem;font:inherit;background:#fff}.search-input{min-width:min(100%,420px);flex:1}.search-select{min-width:210px}.doc-list{display:grid;gap:1rem}.doc-card{display:flex;justify-content:space-between;gap:1rem;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.2rem;box-shadow:0 10px 24px rgba(16,32,51,.05)}.doc-card h3{margin:.2rem 0}.doc-card p{margin:.35rem 0}@media(max-width:720px){.doc-card{display:block}.doc-card .btn{margin-top:.8rem}.toolbar{display:block}.search-input,.search-select{width:100%;margin:.35rem 0}}

/* Blog rebuild compatibility styles */
.container{
  max-width:1160px;
  margin:0 auto;
  padding:0 1.2rem;
}

.topline{
  background:#111;
  color:#fff;
  border-bottom:4px solid var(--gold);
}

.topline .topbar{
  display:flex;
  gap:1rem;
  justify-content:space-between;
  align-items:center;
  padding:.55rem 1.2rem;
  font-size:.94rem;
}

.topline a{
  color:#fff;
  text-decoration:underline;
  text-underline-offset:3px;
}

.site-header{
  background:#fff;
  border-bottom:1px solid var(--line);
  position:sticky;
  top:0;
  z-index:20;
}

.header-inner{
  display:flex;
  justify-content:space-between;
  align-items:center;
  gap:1rem;
  padding:1rem 1.2rem;
}

.brand{
  display:flex;
  align-items:center;
  gap:.9rem;
  color:var(--ink);
  text-decoration:none;
}

.brand:hover{
  text-decoration:none;
}

.site-logo{
  height:72px;
  width:auto;
  display:block;
}

.brand-text{
  display:flex;
  flex-direction:column;
  line-height:1.2;
}

.brand-text span{
  color:var(--muted);
  font-size:.92rem;
}

.main-nav{
  display:flex;
  flex-wrap:wrap;
  gap:.35rem;
  align-items:center;
  justify-content:flex-end;
}

.main-nav a{
  color:var(--ink);
  padding:.5rem .65rem;
  border-radius:999px;
  font-weight:700;
  font-size:.95rem;
}

.main-nav a:hover,
.main-nav a.active{
  background:var(--blue);
  color:#fff;
  text-decoration:none;
}

.nav-toggle{
  display:none;
}

.page-hero{
  background:linear-gradient(135deg,#ffffff 0%,#f6f6f2 60%,#fff8b8 100%);
  padding:3rem 0;
  border-bottom:1px solid var(--line);
}

.page-hero h1{
  font-size:clamp(2rem,4vw,3.4rem);
  line-height:1.05;
  margin:.2rem 0 1rem;
}

.page-hero p{
  max-width:780px;
  font-size:1.12rem;
}

.eyebrow{
  color:var(--blue);
  font-weight:800;
  text-transform:uppercase;
  letter-spacing:.08em;
  font-size:.82rem;
}

.section{
  padding:2.5rem 0;
}

.narrow{
  max-width:860px;
}

.content-card,
.card{
  background:#fff;
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:1.5rem;
  box-shadow:var(--shadow);
}

.card-grid{
  display:grid;
  grid-template-columns:repeat(auto-fit,minmax(260px,1fr));
  gap:1.2rem;
}

.muted{
  color:var(--muted);
}

.text-link{
  font-weight:800;
}

@media (max-width:850px){
  .header-inner{
    align-items:flex-start;
    flex-direction:column;
  }

  .main-nav{
    justify-content:flex-start;
  }

  .topline .topbar{
    flex-direction:column;
    align-items:flex-start;
  }

  .site-logo{
    height:60px;
  }
}

/* Fix page title contrast after blog compatibility patch */
.page-hero,
.page-hero * {
  color: var(--ink) !important;
}

.page-hero .eyebrow,
.page-hero a {
  color: var(--blue) !important;
}

.page-hero {
  background: linear-gradient(135deg,#ffffff 0%,#f6f6f2 62%,#fff4a8 100%) !important;
  border-bottom: 1px solid var(--line);
}

.page-hero h1 {
  color: var(--ink) !important;
  text-shadow: none !important;
}

.page-hero p {
  color: var(--muted) !important;
  text-shadow: none !important;
}

/* Restore LCAG blue/turquoise hero panels on internal pages */
.page-hero {
  background:
    linear-gradient(135deg, rgba(0,111,120,.96) 0%, rgba(10,135,145,.92) 58%, rgba(0,71,78,.96) 100%) !important;
  border-bottom: 4px solid var(--gold) !important;
  color: #fff !important;
}

.page-hero *,
.page-hero h1,
.page-hero p {
  color: #fff !important;
}

.page-hero .eyebrow,
.page-hero a {
  color: var(--gold) !important;
}

.page-hero h1 {
  text-shadow: 0 3px 18px rgba(0,0,0,.25) !important;
}

.page-hero p {
  color: rgba(255,255,255,.92) !important;
  text-shadow: 0 2px 12px rgba(0,0,0,.20) !important;
}

/* Blog-only compatibility styles */
.blog-generated .container{
  max-width:1160px;
  margin:0 auto;
  padding:0 1.2rem;
}

.blog-generated .topline{
  background:#111;
  color:#fff;
  border-bottom:4px solid var(--gold);
}

.blog-generated .topline .topbar{
  display:flex;
  gap:1rem;
  justify-content:space-between;
  align-items:center;
  padding:.55rem 1.2rem;
  font-size:.94rem;
}

.blog-generated .topline a{
  color:#fff;
  text-decoration:underline;
  text-underline-offset:3px;
}

.blog-generated .site-header{
  background:#fff;
  border-bottom:4px solid var(--blue);
}

.blog-generated .header-inner{
  display:flex;
  justify-content:space-between;
  align-items:center;
  gap:1rem;
  padding:1rem 1.2rem;
}

.blog-generated .brand{
  display:flex;
  align-items:center;
  gap:.9rem;
  color:var(--ink);
  text-decoration:none;
}

.blog-generated .site-logo{
  height:72px;
  width:auto;
  display:block;
}

.blog-generated .brand-text{
  display:flex;
  flex-direction:column;
  line-height:1.2;
}

.blog-generated .brand-text span{
  color:var(--muted);
  font-size:.92rem;
}

.blog-generated .main-nav{
  display:flex;
  flex-wrap:wrap;
  gap:.35rem;
  align-items:center;
  justify-content:flex-end;
}

.blog-generated .main-nav a{
  color:var(--ink);
  padding:.5rem .65rem;
  border-radius:999px;
  font-weight:700;
  font-size:.95rem;
}

.blog-generated .main-nav a:hover,
.blog-generated .main-nav a.active{
  background:var(--gold);
  color:#111;
  text-decoration:none;
}

.blog-generated .nav-toggle{
  display:none;
}

.blog-generated .page-hero{
  background:linear-gradient(135deg, var(--blue) 0%, var(--blue2) 62%, #00474e 100%);
  border-bottom:4px solid var(--gold);
  padding:3rem 0;
}

.blog-generated .page-hero,
.blog-generated .page-hero h1,
.blog-generated .page-hero p{
  color:#fff;
}

.blog-generated .page-hero .eyebrow{
  color:var(--gold);
}

.blog-generated .page-hero h1{
  font-size:clamp(2rem,4vw,3.4rem);
  line-height:1.05;
  margin:.2rem 0 1rem;
}

.blog-generated .page-hero p{
  max-width:780px;
  color:rgba(255,255,255,.92);
  font-size:1.12rem;
}

.blog-generated .section{
  padding:2.5rem 0;
}

.blog-generated .narrow{
  max-width:860px;
}

.blog-generated .content-card,
.blog-generated .card{
  background:#fff;
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:1.5rem;
  box-shadow:var(--shadow);
}

.blog-generated .card-grid{
  display:grid;
  grid-template-columns:repeat(auto-fit,minmax(260px,1fr));
  gap:1.2rem;
}

.blog-generated .muted{
  color:var(--muted);
}

.blog-generated .text-link{
  font-weight:800;
}

@media (max-width:850px){
  .blog-generated .header-inner{
    align-items:flex-start;
    flex-direction:column;
  }

  .blog-generated .main-nav{
    justify-content:flex-start;
  }

  .blog-generated .topline .topbar{
    flex-direction:column;
    align-items:flex-start;
  }

  .blog-generated .site-logo{
    height:60px;
  }
}