/* em-mcr-10nov: /mortgage-capacity-report/ page. All rules scoped under .emcr */
.emcr{--navy:#1c2030;--navy2:#262a38;--ink:#1f2937;--text:#374151;--muted:#5b6474;--line:#e7e1d8;--cream:#faf7f2;--bronze:#b0784e;--bronze-d:#8a5a35;--bronze-l:#d9a77f;--bronze-xl:#f3e6da;font-family:'Plus Jakarta Sans',system-ui,-apple-system,'Segoe UI',sans-serif;color:var(--text);line-height:1.65;font-size:17px;display:block;width:100%;max-width:none!important;margin:0!important;padding:0;text-align:left;overflow-wrap:break-word;-webkit-font-smoothing:antialiased;background:var(--cream)}
.emcr *{box-sizing:border-box}
.emcr a{color:var(--bronze-d);text-underline-offset:3px}
.emcr h1,.emcr h2,.emcr h3{font-family:inherit;color:var(--ink);margin:0;padding:0;clear:none;text-transform:none;font-weight:800}
.emcr p{margin:0 0 14px}
.emcr .emcr-top{background:radial-gradient(1200px 380px at 85% -40%,rgba(176,120,78,.28),transparent 60%),linear-gradient(180deg,#1a1e2c,#232837);color:#fff;position:relative;overflow:hidden}
.emcr .emcr-top:after{content:"";position:absolute;left:0;right:0;bottom:0;height:3px;background:linear-gradient(90deg,transparent,var(--bronze) 20%,var(--bronze-l) 50%,var(--bronze) 80%,transparent)}
.emcr .emcr-hero{max-width:1180px;margin:0 auto;padding:26px 28px 52px}
.emcr .eyebrow{display:inline-block;font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--bronze-l);font-weight:700}
.emcr .titlerow{display:flex;align-items:center;gap:18px;margin:12px 0 14px}
.emcr .hmark{width:72px;height:72px;flex:none;border-radius:16px;box-shadow:0 8px 24px rgba(0,0,0,.35)}
.emcr .emcr-hero h1{color:#fff;font-size:40px;line-height:1.12;letter-spacing:-.02em;max-width:820px}
.emcr .emcr-hero .lead{color:#e3e6ec;max-width:760px;font-size:18px;line-height:1.6;margin:0 0 12px}
.emcr .emcr-hero .lead2{color:#c9cdd6;max-width:760px;font-size:16px;margin:0 0 24px}
.emcr .btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:#8a5a35;color:#fff!important;text-decoration:none!important;font-weight:700;border-radius:999px;padding:14px 26px;font-size:16.5px;min-height:50px;border:1px solid #8a5a35;transition:background .15s}
.emcr .btn:hover,.emcr .btn:focus{background:#7a4e2d;color:#fff!important}
.emcr .btn.ghost{background:transparent;border:1px solid rgba(255,255,255,.55)}
.emcr .btn.ghost:hover,.emcr .btn.ghost:focus{background:rgba(255,255,255,.08)}
.emcr .btns{display:flex;gap:12px;flex-wrap:wrap}
.emcr .chips{display:flex;gap:8px;flex-wrap:wrap;margin-top:22px}
.emcr .chip{font-size:13px;padding:6px 12px;border-radius:999px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);color:#e7e9ee;line-height:1.4}
.emcr .chip b{color:var(--bronze-l)}
.emcr .emcr-main{max-width:1180px!important;margin:0 auto!important;padding:8px 28px 56px}
.emcr section{margin:52px 0}
.emcr h2{font-size:30px;margin:0 0 14px;letter-spacing:-.015em;line-height:1.2}
.emcr h3{font-size:19px;margin:0 0 8px;line-height:1.3}
.emcr .sub{color:var(--muted);max-width:760px;margin-top:-4px}
.emcr .two{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:start}
.emcr .card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:0 1px 2px rgba(28,32,48,.04),0 8px 26px rgba(28,32,48,.06)}
.emcr .card p:last-child{margin-bottom:0}
.emcr .callout{background:#fff;border:1px solid var(--line);border-left:4px solid var(--bronze);border-radius:12px;padding:16px 18px;font-size:16px;color:var(--ink)}
.emcr ul.tick{list-style:none;padding:0;margin:0}
.emcr ul.tick li{position:relative;padding-left:32px;margin:0 0 11px;font-size:16px}
.emcr ul.tick li:before{content:"✓";position:absolute;left:0;top:2px;width:22px;height:22px;border-radius:50%;background:var(--bronze-xl);color:var(--bronze-d);font-weight:800;font-size:12px;display:flex;align-items:center;justify-content:center}
.emcr .grid2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.emcr .grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.emcr .grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.emcr .opt .ic{width:44px;height:44px;border-radius:12px;background:var(--navy);color:var(--bronze-l);display:flex;align-items:center;justify-content:center;font-size:22px;font-weight:800;margin-bottom:12px}
.emcr .opt p{font-size:16px;color:var(--text)}
.emcr .feat{padding:20px 22px}
.emcr .feat b{display:block;color:var(--ink);margin-bottom:4px;font-size:16.5px}
.emcr .feat p{margin:0;font-size:15.5px;color:var(--muted);line-height:1.55}
.emcr .step{position:relative;padding-top:66px}
.emcr .step .n{position:absolute;top:20px;left:24px;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#e6bc80;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:15px}
.emcr .step p{margin:0;font-size:15.5px;color:var(--muted);line-height:1.55}
.emcr .facts{margin-top:20px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 20px}
.emcr .facts p{margin:0 0 6px;font-size:16px}.emcr .facts p:last-child{margin:0}
.emcr .sample{display:grid;grid-template-columns:260px 1fr;gap:40px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:22px;padding:32px;box-shadow:0 1px 2px rgba(28,32,48,.04),0 8px 26px rgba(28,32,48,.06)}
.emcr .sample img{width:100%;height:auto;border-radius:8px;box-shadow:0 18px 40px rgba(28,32,48,.28);transform:rotate(-2deg);display:block}
.emcr .band{background:radial-gradient(700px 240px at 90% -40%,rgba(176,120,78,.35),transparent 60%),linear-gradient(180deg,#232837,#1a1e2c);color:#fff;border-radius:20px;padding:32px 36px;display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap}
.emcr .band h2{color:#fff;margin:0 0 6px;font-size:26px}
.emcr .band p{margin:0;color:#cfd3de;font-size:16px}
.emcr details{background:#fff;border:1px solid var(--line);border-radius:14px;margin-bottom:10px;padding:0 20px;transition:border-color .15s}
.emcr details[open]{border-color:#d9c6b2}
.emcr summary{cursor:pointer;font-weight:700;color:var(--ink);padding:17px 0;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:14px;font-size:16.5px;line-height:1.4;min-height:48px}
.emcr summary::-webkit-details-marker{display:none}
.emcr summary:after{content:"+";color:var(--bronze);font-size:24px;line-height:1;flex:none;font-weight:600}
.emcr details[open] summary:after{content:"–"}
.emcr summary:focus-visible{outline:2px solid var(--bronze);outline-offset:2px;border-radius:6px}
.emcr details p{margin:0 0 18px;color:var(--text);font-size:16px}
.emcr .related{margin:44px 0 30px}
.emcr .related .rh{font-weight:800;color:var(--ink);font-size:20px;margin:0 0 12px}
.emcr .rgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.emcr .rgrid a{display:block;background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px 16px;text-decoration:none!important;color:var(--ink);transition:border-color .15s}
.emcr .rgrid a:hover,.emcr .rgrid a:focus{border-color:var(--bronze)}
.emcr .rgrid b{display:block;color:var(--navy);font-size:15.5px;line-height:1.35}
.emcr .rgrid b:after{content:" →";color:var(--bronze)}
.emcr .rgrid span{display:block;font-size:13.5px;color:var(--muted);line-height:1.45;margin-top:3px}
.emcr .legal{font-size:13.5px;color:var(--muted);border-top:1px solid var(--line);padding-top:18px;line-height:1.6}
.emcr .legal b{color:var(--ink)}
@media(max-width:1000px){.emcr .grid4,.emcr .rgrid{grid-template-columns:1fr 1fr}.emcr .grid3{grid-template-columns:1fr 1fr}.emcr .two{grid-template-columns:1fr;gap:24px}.emcr .emcr-hero h1{font-size:34px}}
@media(max-width:640px){.emcr{font-size:16px}.emcr .emcr-hero{padding:18px 16px 40px}.emcr .emcr-main{padding:4px 16px 40px}.emcr .titlerow{gap:12px;align-items:flex-start}.emcr .hmark{width:52px;height:52px;border-radius:12px;margin-top:4px}.emcr .emcr-hero h1{font-size:28px}.emcr .emcr-hero .lead{font-size:16.5px}.emcr .emcr-hero .lead2{font-size:15.5px}.emcr .btns .btn{width:100%}.emcr section{margin:38px 0}.emcr h2{font-size:24px}.emcr .grid2,.emcr .grid3,.emcr .grid4,.emcr .rgrid{grid-template-columns:1fr}.emcr .card{padding:20px}.emcr .sample{grid-template-columns:1fr;padding:22px;gap:24px}.emcr .sample img{max-width:220px;margin:6px auto 0}.emcr .band{padding:24px 20px}.emcr .band .btn{width:100%}.emcr details{padding:0 16px}}

/* Keep the step number above the heading on small screens (.card{padding:20px} would otherwise overwrite it). */
@media(max-width:640px){.emcr .card.step{padding-top:66px}}

/* v1.0.1: clear the site-wide sticky WhatsApp/Call/Enquire bar (~46px) on this page only. */
@media(max-width:768px){
  body.em-mcr-page{padding-bottom:62px}
  html:has(body.em-mcr-page){scroll-padding-bottom:62px}
  .emcr .emcr-main{padding-bottom:72px}
  .emcr .legal,.emcr .band,.emcr .phonecard{scroll-margin-bottom:62px}
}

/* v1.0.2: phone route card; v1.0.3: one-line centred phone buttons */
.emcr .phonecard{display:grid;grid-template-columns:auto 1fr;gap:18px 20px;align-items:start;background:#fff;border:1px solid var(--line);border-radius:20px;padding:26px 28px 26px 30px;box-shadow:0 1px 2px rgba(28,32,48,.04),0 8px 26px rgba(28,32,48,.06);position:relative;overflow:hidden;margin:0}
.emcr .phonecard:before{content:"";position:absolute;left:0;top:0;bottom:0;width:5px;background:linear-gradient(180deg,var(--bronze-l),var(--bronze),var(--bronze-d))}
.emcr .pc-ic{width:52px;height:52px;border-radius:14px;background:var(--navy);color:var(--bronze-l);display:flex;align-items:center;justify-content:center;font-size:22px;flex:none;line-height:1;box-shadow:0 8px 18px rgba(28,32,48,.18)}
.emcr .phonecard h3{font-size:22px;margin:2px 0 8px;letter-spacing:-.015em}
.emcr .phonecard p{margin:0 0 18px;font-size:16px;color:var(--text);max-width:740px;line-height:1.6}
.emcr .pc-btns{display:flex;flex-wrap:wrap;gap:10px}
.emcr .pc-btns .btn{text-align:center;white-space:nowrap;word-break:normal;overflow-wrap:normal;hyphens:none;-webkit-hyphens:none;line-height:1.2;flex:0 0 auto}
.emcr .phonecard .pc-mail{margin:10px 0 0;font-size:13.5px;color:var(--muted);line-height:1.4;white-space:nowrap;word-break:normal;overflow-wrap:normal;hyphens:none;-webkit-hyphens:none}
.emcr .btn.ghost2{background:#fff;color:var(--navy)!important;border:1px solid #cfc6ba}
.emcr .btn.ghost2:hover,.emcr .btn.ghost2:focus{background:var(--bronze-xl);border-color:var(--bronze);color:var(--navy)!important}
@media(max-width:640px){
  .emcr .phonecard{grid-template-columns:1fr;padding:20px 18px 22px 20px;gap:12px}
  .emcr .pc-btns .btn{width:100%}
  .emcr .phonecard .pc-mail{text-align:center}
  .emcr .phonecard{scroll-margin-bottom:62px}
}
@media(max-width:360px){
  .emcr .pc-btns .btn{padding-left:16px;padding-right:16px;font-size:15.5px}
}
/* v1.0.4: email address inside its button */
.emcr .pc-btns .btn.pc-em{letter-spacing:-.01em}
@media(max-width:400px){.emcr .pc-btns .btn.pc-em{font-size:clamp(13px,4.1vw,15.5px);padding-left:12px;padding-right:12px}}