:root{
  --navy:#08244d;
  --deep:#092319;
  --green:#0b6b4b;
  --green-2:#108b62;
  --yellow:#ffd23f;
  --yellow-soft:#fff4c2;
  --blue:#0b74de;
  --text:#10213b;
  --muted:#5e6f84;
  --paper:#ffffff;
  --cream:#fbf8ee;
  --line:rgba(9,35,25,.14);
  --shadow:0 24px 70px rgba(9,35,25,.16);
  --radius:24px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--text);background:#fff;line-height:1.5;overflow-x:hidden}
a{color:inherit}.topbar{position:sticky;top:0;z-index:80;display:flex;align-items:center;justify-content:space-between;gap:22px;padding:14px clamp(18px,4vw,58px);background:rgba(255,255,255,.94);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;min-width:0;max-width:420px}.brand-photo{width:58px;height:58px;border-radius:15px;background:#fff;border:2px solid rgba(11,107,75,.28);display:block;overflow:hidden;box-shadow:0 12px 25px rgba(9,35,25,.18);position:relative;flex:0 0 auto}.brand-photo img{width:100%;height:100%;object-fit:cover;display:block}.brand-photo:after{content:"";position:absolute;right:-4px;bottom:-4px;width:18px;height:18px;border-radius:50%;background:var(--yellow);border:3px solid #fff}.brand-copy{display:grid;line-height:1.05;min-width:0}.brand-copy strong{font-size:21px;letter-spacing:-.035em;color:var(--deep)}.brand-copy small{font-size:12px;color:var(--green);font-weight:850;text-transform:uppercase;letter-spacing:.03em;margin-top:4px;max-width:100%;white-space:normal;word-break:break-word;overflow-wrap:anywhere}.nav{display:flex;align-items:center;gap:20px;font-weight:750}.nav a{text-decoration:none;color:#183152}.nav a:not(.start-btn):hover{color:var(--green)}.nav-phone{color:var(--green)!important}.start-btn{background:var(--yellow);color:#152200!important;padding:11px 17px;border-radius:999px;box-shadow:0 10px 22px rgba(9,35,25,.14)}.menu-toggle{display:none;background:var(--green);color:#fff;border:0;border-radius:12px;padding:10px 12px;align-items:center;gap:8px}.menu-toggle span{display:block;width:20px;height:2px;background:#fff;margin:3px 0}.menu-toggle em{font-style:normal;font-weight:800;font-size:12px}
.hero{position:relative;min-height:760px;display:grid;align-items:center;overflow:hidden;background:linear-gradient(180deg,#fafff8 0%,#fff 100%)}.hero-art{position:absolute;inset:0;background:radial-gradient(circle at 84% 16%,rgba(255,210,63,.42),transparent 28%),radial-gradient(circle at 10% 12%,rgba(16,139,98,.18),transparent 30%),linear-gradient(180deg,rgba(255,255,255,.18),rgba(255,255,255,.92)),url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1600 850"><rect width="1600" height="850" fill="%23f4fbf2"/><path d="M0 590c170-130 365-205 590-132 210 68 365 55 560-40 165-80 320-106 450-66v498H0z" fill="%23dceee3"/><path d="M0 652c240-80 430-88 650-35 220 53 380 30 570-70 160-84 285-101 380-62v365H0z" fill="%23c8e2d3" opacity=".95"/><path d="M1035 410h265l-132-104z" fill="%230b6b4b" opacity=".26"/><rect x="1090" y="410" width="156" height="118" rx="10" fill="%23ffffff" opacity=".72"/><path d="M0 700c300-70 580-42 825 7 250 50 510 12 775-94" fill="none" stroke="%23ffffff" stroke-width="22" opacity=".75"/><circle cx="1245" cy="165" r="90" fill="%23ffd23f" opacity=".65"/></svg>') center/cover no-repeat}.hero-inner{position:relative;z-index:2;display:grid;grid-template-columns:minmax(0,1.17fr) minmax(320px,.83fr);gap:44px;align-items:center;width:min(1180px,calc(100% - 40px));margin:0 auto;padding:72px 0}.hero-copy{max-width:775px}.kicker{text-transform:uppercase;letter-spacing:.16em;font-size:13px;font-weight:900;color:var(--green);margin:0 0 16px}.kicker.dark{color:var(--green)}h1,h2,h3,p{margin-top:0}.hero h1{font-size:clamp(52px,7.7vw,98px);line-height:.93;letter-spacing:-.075em;color:var(--deep);margin-bottom:24px}.lead{font-size:clamp(20px,2.2vw,27px);line-height:1.32;color:#243a32;max-width:780px;margin-bottom:30px}.hero-actions{display:flex;flex-wrap:wrap;gap:14px;align-items:center}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:54px;padding:0 23px;border-radius:999px;text-decoration:none;font-weight:900;font-size:17px;border:1px solid transparent;transition:.18s ease}.btn-primary{background:linear-gradient(135deg,var(--green),var(--deep));color:#fff;box-shadow:0 16px 32px rgba(9,35,25,.22)}.btn-secondary{background:#fff;color:var(--deep);border-color:rgba(9,35,25,.18);box-shadow:0 12px 28px rgba(9,35,25,.08)}.btn:hover{transform:translateY(-1px)}.note{font-size:15px;color:var(--muted);margin:18px 0 0}.hero-card{background:rgba(255,255,255,.9);border:1px solid rgba(255,255,255,.78);border-radius:var(--radius);box-shadow:var(--shadow);padding:34px;backdrop-filter:blur(18px);border-top:8px solid var(--yellow)}.card-label{display:inline-block;background:var(--yellow-soft);color:#4d3d00;font-weight:900;border-radius:999px;padding:7px 11px;font-size:13px;text-transform:uppercase;letter-spacing:.12em}.hero-card h2{font-size:35px;line-height:1;margin:18px 0 14px;color:var(--deep);letter-spacing:-.052em}.hero-card p{font-size:18px;color:#334b43}.hero-card ul{padding-left:20px;color:#2d4c42;margin:22px 0 26px}.hero-card li{margin:9px 0}.hero-card a{display:block;text-align:center;text-decoration:none;background:var(--green);color:#fff;border-radius:14px;padding:15px;font-weight:900}
.section{padding:76px clamp(18px,4vw,60px)}.section-head{width:min(960px,100%);margin:0 auto 34px;text-align:center}.section-head.narrow{width:min(850px,100%)}.section-head h2,.resource-panel h2,.contact-box h2{font-size:clamp(32px,4.4vw,56px);line-height:1.04;letter-spacing:-.058em;color:var(--deep);margin-bottom:16px}.section-head p{font-size:19px;color:var(--muted)}.card-grid{display:grid;gap:20px;width:min(1180px,100%);margin:0 auto}.card-grid.six{grid-template-columns:repeat(3,minmax(0,1fr))}.info-card{border:1px solid var(--line);border-radius:22px;padding:28px;background:#fff;box-shadow:0 16px 40px rgba(9,35,25,.07);position:relative;overflow:hidden}.info-card:before{content:"";position:absolute;top:0;left:0;right:0;height:5px;background:linear-gradient(90deg,var(--yellow),var(--green))}.info-card h3{font-size:24px;letter-spacing:-.038em;color:var(--deep);margin-bottom:10px}.info-card p{color:var(--muted);font-size:17px;margin-bottom:0}.plan-section{background:var(--cream)}.step-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;width:min(1180px,100%);margin:0 auto}.step-card{background:#fff;border-radius:24px;overflow:hidden;border:1px solid rgba(9,35,25,.12);box-shadow:0 18px 46px rgba(9,35,25,.09);padding-bottom:28px}.step-image{height:185px;background:linear-gradient(135deg,#e9f5ee,#fff2ae);position:relative}.step-image:before{content:"";position:absolute;inset:22px;border-radius:22px;background:rgba(255,255,255,.58)}.step-image:after{content:"";position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);width:120px;height:86px;border-radius:10px;background:linear-gradient(135deg,var(--green),var(--deep));clip-path:polygon(50% 0,100% 40%,100% 100%,0 100%,0 40%)}.step-image.two{background:linear-gradient(135deg,#e2f3ea,#fff7c8)}.step-image.three{background:linear-gradient(135deg,#d5eddf,#ffe986)}.step-card span{display:grid;place-items:center;width:50px;height:50px;border-radius:16px;background:var(--yellow);color:#132600;font-weight:950;margin:-25px 28px 18px;position:relative;z-index:2;box-shadow:0 12px 24px rgba(9,35,25,.14)}.step-card h3{font-size:25px;color:var(--deep);letter-spacing:-.038em;margin:0 28px 10px}.step-card p{font-size:17px;color:var(--muted);margin:0 28px}.resource-band{background:linear-gradient(135deg,var(--deep),var(--green));color:#fff}.resource-panel{display:grid;grid-template-columns:1.15fr .85fr;gap:36px;align-items:center;width:min(1180px,100%);margin:0 auto}.resource-panel h2{color:#fff}.resource-panel p{font-size:19px;color:rgba(255,255,255,.8);margin-bottom:0}.resource-panel .kicker{color:var(--yellow)}.resource-list{display:grid;gap:16px}.resource-list div{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.16);border-radius:18px;padding:20px;color:rgba(255,255,255,.84)}.resource-list strong{color:#fff}.contact{background:#f7fbf6}.contact-box{width:min(900px,100%);margin:0 auto;text-align:center;background:#fff;border:1px solid var(--line);border-radius:28px;padding:44px;box-shadow:0 20px 54px rgba(9,35,25,.1)}.contact-box p{font-size:19px;color:var(--muted)}.centred{justify-content:center;margin-top:26px}.btn-secondary.dark{background:#fff}.site-footer{background:linear-gradient(135deg,#061c14,#0b3d2e);border-top:5px solid var(--yellow);display:grid;grid-template-columns:auto minmax(220px,1fr) auto;align-items:center;gap:20px;padding:22px clamp(18px,4vw,58px);color:#fff;box-shadow:0 -10px 30px rgba(6,26,61,.08)}.brand-block{display:flex;align-items:center;gap:12px}.bayfield-logo{width:44px;height:44px;background:var(--yellow);color:#0b3d2e;display:grid;place-items:center;font-family:Georgia,serif;font-size:31px;font-weight:900;border-radius:4px}.bayfield-text strong{display:block;color:#fff;font-family:Georgia,serif;font-size:24px;letter-spacing:.04em;text-transform:uppercase;line-height:1}.bayfield-text span{display:block;color:var(--yellow);font-family:Georgia,serif;font-size:13px;text-transform:uppercase;letter-spacing:.12em}.licence{font-size:13px;line-height:1.35;margin:0;color:rgba(255,255,255,.86)}.contact-bar{display:flex;align-items:center;gap:16px;white-space:nowrap;flex-wrap:wrap}.contact-bar a{color:#fff;text-decoration:none;font-size:15px;font-weight:750}.contact-bar a:hover{color:var(--yellow)}.contact-bar a+a{border-left:1px solid rgba(255,255,255,.28);padding-left:16px}.footer-disclaimer,.legal{grid-column:1/-1;margin:0;color:rgba(255,255,255,.68);font-size:12px;line-height:1.4}.legal a{color:var(--yellow);text-decoration:none}.legal span{color:rgba(255,255,255,.45);margin:0 6px}
@media (max-width:980px){.topbar{position:relative;align-items:flex-start;flex-wrap:wrap}.menu-toggle{display:flex;margin-left:auto}.nav{display:none;width:100%;flex-direction:column;align-items:stretch;gap:8px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:14px}.nav.open{display:flex}.nav a{padding:12px;border-radius:12px}.start-btn{text-align:center}.hero{min-height:auto}.hero-inner{grid-template-columns:1fr;padding:50px 0}.card-grid.six,.step-grid,.resource-panel,.site-footer{grid-template-columns:1fr}.site-footer{text-align:center}.brand-block,.contact-bar{justify-content:center}.contact-bar a+a{border-left:0;padding-left:0}.hero-card{padding:26px}.section{padding:56px 18px}}
@media (max-width:560px){.brand{max-width:calc(100% - 70px)}.brand-copy strong{font-size:18px}.brand-copy small{font-size:10px;letter-spacing:0}.brand-photo{width:48px;height:48px}.hero h1{font-size:50px}.lead{font-size:20px}.btn{width:100%}.hero-actions{width:100%}.hero-card h2{font-size:30px}.contact-box{padding:30px 20px}.section-head h2,.resource-panel h2,.contact-box h2{font-size:34px}}


/* v4 locked 6043515255-style footer, recoloured for reverse mortgage brand */
:root{--footer-locked-h:74px;}
body{padding-bottom:var(--footer-locked-h);}
.brand-copy small{white-space:normal;word-break:normal;overflow-wrap:break-word;max-width:210px;line-height:1.12;}
.site-footer{
  position:fixed;
  left:0;
  right:0;
  bottom:0;
  height:var(--footer-locked-h);
  z-index:40;
  background:rgba(255,255,255,.97);
  backdrop-filter:blur(12px);
  border-top:1px solid rgba(11,107,75,.22);
  display:grid;
  grid-template-columns:auto minmax(220px,1fr) auto auto;
  align-items:center;
  gap:16px;
  padding:8px clamp(18px,3.5vw,48px);
  color:#10211a;
  box-shadow:0 -10px 28px rgba(9,35,25,.08);
}
.site-footer .brand-block{display:flex;align-items:center;gap:10px;min-width:0;}
.site-footer .bayfield-logo{width:34px;height:34px;background:var(--green);color:#fff;display:grid;place-items:center;font-family:Georgia,serif;font-size:24px;font-weight:900;border-radius:4px;}
.site-footer .bayfield-text strong{display:block;color:var(--green);font-family:Georgia,serif;font-size:18px;letter-spacing:.04em;text-transform:uppercase;line-height:.95;}
.site-footer .bayfield-text span{display:block;color:#2f6f55;font-family:Georgia,serif;font-size:9px;text-transform:uppercase;letter-spacing:.12em;margin-top:2px;}
.site-footer .licence{font-size:10.5px;line-height:1.25;margin:0;color:#30443b;}
.site-footer .contact-bar{display:flex;align-items:center;gap:11px;white-space:nowrap;flex-wrap:wrap;justify-content:flex-end;}
.site-footer .contact-bar a{color:#10211a;text-decoration:none;font-size:12.5px;font-weight:750;}
.site-footer .contact-bar a:hover{color:var(--green);}
.site-footer .contact-bar a+a{border-left:1px solid rgba(11,107,75,.24);padding-left:11px;}
.site-footer .legal{font-size:10px;line-height:1.25;margin:0;color:#445950;text-align:right;}
.site-footer .legal a{color:var(--green);text-decoration:none;}
.site-footer .legal span{color:#9aaba4;margin:0 4px;}
.site-footer .footer-disclaimer{display:none;}
@media (max-width:980px){
  :root{--footer-locked-h:120px;}
  body{padding-bottom:var(--footer-locked-h);}
  .site-footer{height:var(--footer-locked-h);grid-template-columns:1fr;text-align:center;gap:5px;padding:8px 14px;}
  .site-footer .brand-block,.site-footer .contact-bar{justify-content:center;}
  .site-footer .contact-bar{gap:8px;}
  .site-footer .contact-bar a{font-size:11.5px;}
  .site-footer .contact-bar a+a{border-left:0;padding-left:0;}
  .site-footer .licence,.site-footer .legal{font-size:9.5px;text-align:center;}
}
@media (max-width:560px){
  :root{--footer-locked-h:138px;}
  body{padding-bottom:var(--footer-locked-h);}
  .site-footer .brand-block{display:none;}
  .site-footer{height:var(--footer-locked-h);}
  .site-footer .contact-bar{max-width:330px;margin:0 auto;}
}

/* v5 PDF resource cards */
.pdf-resources{background:#fff;}
.pdf-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;width:min(1180px,100%);margin:0 auto;}
.pdf-card{display:flex;flex-direction:column;gap:10px;min-height:178px;text-decoration:none;border:1px solid rgba(11,107,75,.16);border-radius:22px;padding:22px;background:linear-gradient(180deg,#fff,#f7fbf6);box-shadow:0 16px 38px rgba(9,35,25,.075);transition:.18s ease;position:relative;overflow:hidden;cursor:pointer;}
.pdf-card:before{content:"";position:absolute;left:0;top:0;bottom:0;width:6px;background:var(--green);}
.pdf-card.branded:before{background:linear-gradient(180deg,var(--yellow),var(--green));}
.pdf-card:hover{transform:translateY(-2px);box-shadow:0 20px 48px rgba(9,35,25,.12);}
.pdf-card strong{font-size:22px;line-height:1.12;letter-spacing:-.035em;color:var(--deep);}
.download-link{align-self:flex-start;margin-top:auto;color:var(--green);font-weight:900;text-decoration:none;border-bottom:2px solid rgba(11,107,75,.25);padding-bottom:2px;}
.download-link:hover{border-bottom-color:var(--green);}
@media (max-width:980px){.pdf-grid{grid-template-columns:1fr 1fr;}.pdf-card{min-height:154px;}}
@media (max-width:560px){.pdf-grid{grid-template-columns:1fr;}.pdf-card{min-height:auto;}}


/* v11 dedicated resources page */
.page-main{padding-top:84px;background:#fff;}
.page-title{font-size:clamp(38px,5vw,64px);line-height:1.02;letter-spacing:-.06em;color:var(--deep);margin-bottom:16px;}
.featured-resources{background:#fff;}
.featured-grid{margin-bottom:28px;}
.resource-cta{display:flex;justify-content:center;margin-top:28px;}
@media (max-width:980px){.page-main{padding-top:0;}}

/* v14 content expansion: keeps original visual system, adds guide-based sections */
.card-grid.three{grid-template-columns:repeat(3,minmax(0,1fr));}
.testimonials-section{background:#fff;}
.myth-grid .info-card h3{color:var(--green);}
.eligibility-section{background:#fff;}
@media (max-width:980px){.card-grid.three{grid-template-columns:1fr;}}


/* v16 branded reverse mortgage calculator page */
.calculator-hero{background:#fff;}
.calculator-shell{width:min(1180px,100%);margin:28px auto 18px;background:#fff;border:1px solid rgba(11,107,75,.18);border-radius:24px;box-shadow:0 18px 46px rgba(9,35,25,.09);overflow:hidden;}
.calculator-shell iframe{display:block;width:100%;height:940px;border:0;background:#fff;}
.calculator-fallback{width:min(1180px,100%);margin:0 auto;text-align:center;background:#f7fbf6;border:1px solid rgba(11,107,75,.14);border-radius:18px;padding:20px;}
.calculator-fallback p{margin:0 0 14px;color:var(--muted);font-size:16px;}
.pdf-card.calculator-resource:before{background:linear-gradient(180deg,var(--green),var(--yellow));}
@media (max-width:980px){.calculator-shell iframe{height:1020px;}.calculator-shell{border-radius:18px;}}
@media (max-width:560px){.calculator-shell{margin-left:-8px;margin-right:-8px;width:calc(100% + 16px);border-radius:14px;}.calculator-shell iframe{height:1120px;}.calculator-fallback{padding:16px;}}