/* ==========================================================
   fhb.css — First Home Buyer flagship page
   Editorial, narrative, scheme-stacking focused.
   Does NOT duplicate /assets/styles.css — extends the design
   system with page-specific layouts for .fhb-* components.
   ========================================================== */

/* ==========================================================
   1. HERO — editorial narrative with pull-aside sidebar
   ========================================================== */
.fhb-hero{
  position:relative;
  background:
    radial-gradient(900px 500px at 85% 10%, rgba(46,196,212,.10), transparent 60%),
    radial-gradient(700px 400px at 10% 90%, rgba(46,196,212,.06), transparent 60%),
    var(--cream);
  padding:42px 0 72px;
  border-bottom:1px solid var(--line);
  overflow:hidden;
}
.fhb-hero::before{
  content:"FHB";
  position:absolute;
  top:-30px;
  right:-40px;
  font-family:var(--f-display);
  font-style:italic;
  font-weight:300;
  font-size:22rem;
  line-height:1;
  color:rgba(10,31,58,.03);
  pointer-events:none;
  letter-spacing:-.04em;
}
.fhb-crumbs{
  display:flex; align-items:center; gap:8px;
  font-size:.82rem; color:var(--muted);
  margin-bottom:22px;
  flex-wrap:wrap;
}
.fhb-crumbs a{
  color:var(--ink-2);
  text-decoration:none;
  font-weight:500;
}
.fhb-crumbs a:hover{ color:var(--teal-d); }
.fhb-crumbs span{ color:var(--muted-2); }

.fhb-hero-grid{
  display:grid;
  grid-template-columns: 1.45fr .8fr;
  gap:56px;
  align-items:start;
  position:relative;
  z-index:1;
}
.fhb-hero-text .fhb-eyebrow{
  display:inline-block;
  font-size:.78rem;
  text-transform:uppercase;
  letter-spacing:.14em;
  color:var(--teal-d);
  font-weight:600;
  padding:6px 12px;
  border:1px solid rgba(46,196,212,.32);
  border-radius:999px;
  background:rgba(46,196,212,.06);
  margin-bottom:22px;
}
.fhb-hero-text h1{
  font-family:var(--f-display);
  font-weight:400;
  font-size:clamp(2.1rem, 4.4vw, 3.5rem);
  line-height:1.08;
  letter-spacing:-.02em;
  color:var(--ink);
  margin:0 0 26px;
}
.fhb-hero-text h1 em{
  font-style:italic;
  color:var(--teal-d);
  font-weight:500;
}
.fhb-lede{
  font-size:1.08rem;
  line-height:1.65;
  color:var(--ink-2);
  margin:0 0 18px;
  max-width:62ch;
}
.fhb-hero-cta{
  display:flex;
  gap:14px;
  margin-top:30px;
  flex-wrap:wrap;
}

/* Pull aside — stat sidebar */
.fhb-hero-pull{
  background:#fff;
  border:1px solid var(--line);
  border-radius:var(--radius-lg);
  padding:28px 26px;
  position:sticky;
  top:110px;
  box-shadow:0 1px 0 rgba(10,31,58,.02), 0 18px 40px -20px rgba(10,31,58,.12);
}
.fhb-pull-top{
  display:flex;
  align-items:center;
  gap:14px;
  padding-bottom:18px;
  border-bottom:1px solid var(--line-2);
  margin-bottom:18px;
}
.fhb-pull-mark{
  width:46px; height:46px;
  display:grid; place-items:center;
  background:var(--ink);
  color:#fff;
  font-family:var(--f-display);
  font-weight:500;
  font-size:.95rem;
  letter-spacing:.04em;
  border-radius:12px;
}
.fhb-pull-rating{ line-height:1.25; }
.fhb-pull-stars{
  color:#F5B200;
  font-size:1rem;
  letter-spacing:.08em;
}
.fhb-pull-count{
  font-size:.78rem;
  color:var(--muted);
  margin-top:2px;
}
.fhb-hero-pull h3{
  font-family:var(--f-body);
  font-size:.86rem;
  font-weight:600;
  text-transform:uppercase;
  letter-spacing:.08em;
  color:var(--muted);
  margin:0 0 14px;
}
.fhb-pull-list{
  list-style:none;
  padding:0;
  margin:0 0 18px;
}
.fhb-pull-list li{
  padding:10px 0;
  border-bottom:1px dashed var(--line-2);
  font-size:.96rem;
  color:var(--ink-2);
  line-height:1.45;
}
.fhb-pull-list li:last-child{ border-bottom:0; }
.fhb-pull-list strong{
  color:var(--ink);
  font-family:var(--f-display);
  font-weight:500;
  font-size:1.05rem;
  display:inline-block;
  min-width:108px;
}
.fhb-pull-note{
  font-size:.85rem;
  color:var(--muted);
  font-style:italic;
  line-height:1.5;
  padding:14px 14px;
  background:var(--cream);
  border-radius:10px;
}
.fhb-pull-note em{ color:var(--teal-d); font-style:italic; }

/* ==========================================================
   2. SECTION HEAD (shared utility)
   ========================================================== */
.fhb-sec-head{
  max-width:720px;
  margin:0 auto 46px;
  text-align:center;
}
.fhb-sec-head .fhb-eyebrow{
  display:inline-block;
  font-size:.78rem;
  text-transform:uppercase;
  letter-spacing:.14em;
  color:var(--teal-d);
  font-weight:600;
  margin-bottom:14px;
}
.fhb-sec-head h2{
  font-family:var(--f-display);
  font-weight:400;
  font-size:clamp(1.8rem, 3.2vw, 2.6rem);
  line-height:1.15;
  letter-spacing:-.015em;
  color:var(--ink);
  margin:0 0 14px;
}
.fhb-sec-head p{
  font-size:1rem;
  color:var(--muted);
  line-height:1.6;
  margin:0;
}

/* ==========================================================
   3. QUIZ
   ========================================================== */
.fhb-quiz{
  padding:88px 0;
  background:#fff;
  border-bottom:1px solid var(--line);
}
.fhb-quiz-card{
  max-width:820px;
  margin:0 auto;
  background:linear-gradient(180deg, #fff 0%, var(--cream) 100%);
  border:1px solid var(--line);
  border-radius:var(--radius-lg);
  padding:36px;
  box-shadow:0 30px 60px -30px rgba(10,31,58,.22);
  position:relative;
}

.fhb-quiz-bar{
  display:flex;
  justify-content:space-between;
  align-items:center;
  padding-bottom:22px;
  border-bottom:1px solid var(--line-2);
  margin-bottom:28px;
}
.fhb-quiz-bar > span{
  font-size:.78rem;
  text-transform:uppercase;
  letter-spacing:.12em;
  color:var(--muted);
  font-weight:600;
}
.fhb-quiz-pips{
  display:flex;
  gap:8px;
}
.fhb-pip{
  width:30px;
  height:4px;
  border-radius:2px;
  background:var(--line);
  transition:background .3s ease;
}
.fhb-pip.is-active{ background:var(--teal); }

.fhb-step{
  display:none;
  animation:fhbFade .35s ease;
}
.fhb-step.is-active{ display:block; }
@keyframes fhbFade{
  from{ opacity:0; transform:translateY(6px); }
  to  { opacity:1; transform:translateY(0); }
}
.fhb-step h3{
  font-family:var(--f-display);
  font-weight:400;
  font-size:clamp(1.35rem, 2.2vw, 1.7rem);
  color:var(--ink);
  margin:0 0 8px;
  letter-spacing:-.01em;
}
.fhb-step-sub{
  font-size:.95rem;
  color:var(--muted);
  margin:0 0 24px;
  line-height:1.5;
}

/* Option grids */
.fhb-opts{
  display:grid;
  grid-template-columns:repeat(4, 1fr);
  gap:10px;
}
.fhb-opts-wide{
  grid-template-columns:repeat(2, 1fr);
  gap:12px;
}
.fhb-opt{
  font-family:var(--f-body);
  background:#fff;
  border:1.5px solid var(--line);
  color:var(--ink);
  padding:16px 14px;
  border-radius:12px;
  cursor:pointer;
  text-align:left;
  transition:all .18s ease;
  display:flex;
  flex-direction:column;
  gap:4px;
  font-size:1rem;
  font-weight:600;
  min-height:60px;
  justify-content:center;
}
.fhb-opts:not(.fhb-opts-wide) .fhb-opt{
  text-align:center;
  justify-content:center;
  font-size:1.02rem;
}
.fhb-opt strong{
  font-family:var(--f-display);
  font-weight:500;
  font-size:1.08rem;
  color:var(--ink);
  letter-spacing:-.01em;
}
.fhb-opt span{
  font-size:.84rem;
  font-weight:400;
  color:var(--muted);
  line-height:1.4;
}
.fhb-opt:hover{
  border-color:var(--teal);
  transform:translateY(-1px);
  box-shadow:0 6px 18px -10px rgba(46,196,212,.45);
}
.fhb-opt.is-selected{
  border-color:var(--teal);
  background:rgba(46,196,212,.08);
  box-shadow:inset 0 0 0 1px var(--teal);
}
.fhb-opt.is-selected strong{ color:var(--teal-d); }

/* Quiz nav */
.fhb-quiz-nav{
  display:flex;
  justify-content:space-between;
  align-items:center;
  margin-top:30px;
  padding-top:22px;
  border-top:1px solid var(--line-2);
}
.fhb-nav-btn{
  background:transparent;
  border:1.5px solid var(--line);
  color:var(--ink-2);
  font-family:var(--f-body);
  font-weight:600;
  font-size:.95rem;
  padding:11px 20px;
  border-radius:10px;
  cursor:pointer;
  transition:all .18s ease;
}
.fhb-nav-btn:hover:not(:disabled){
  border-color:var(--ink);
  color:var(--ink);
}
.fhb-nav-btn:disabled{
  opacity:.4;
  cursor:not-allowed;
}
.fhb-nav-next{
  background:var(--ink);
  border-color:var(--ink);
  color:#fff;
}
.fhb-nav-next:hover:not(:disabled){
  background:var(--navy);
  border-color:var(--navy);
  color:#fff;
}

/* Quiz result */
.fhb-step-result .fhb-result-head{
  text-align:center;
  margin-bottom:26px;
}
.fhb-result-badge{
  display:inline-block;
  font-size:.76rem;
  text-transform:uppercase;
  letter-spacing:.14em;
  color:var(--teal-d);
  font-weight:700;
  padding:5px 11px;
  border-radius:999px;
  background:rgba(46,196,212,.1);
  margin-bottom:12px;
}
.fhb-step-result h3{
  font-size:clamp(1.5rem, 2.6vw, 2rem);
}
.fhb-step-result h3 em{
  font-style:italic;
  color:var(--teal-d);
}
.fhb-step-result h3 strong{
  font-weight:500;
  color:var(--ink);
}
.fhb-result-body{
  margin-bottom:24px;
}
.fhb-result-list{
  display:flex;
  flex-direction:column;
  gap:10px;
}
.fhb-result-item{
  display:flex;
  align-items:flex-start;
  gap:14px;
  padding:16px 18px;
  border-radius:12px;
  border:1px solid var(--line-2);
  background:#fff;
  line-height:1.45;
}
.fhb-result-item svg{
  width:22px; height:22px;
  flex-shrink:0;
  margin-top:1px;
}
.fhb-result-item strong{
  display:block;
  font-family:var(--f-display);
  font-weight:500;
  color:var(--ink);
  font-size:1.05rem;
  margin-bottom:3px;
  letter-spacing:-.01em;
}
.fhb-result-item span{
  color:var(--ink-2);
  font-size:.94rem;
}
.fhb-result-good{
  border-color:rgba(46,196,212,.35);
  background:rgba(46,196,212,.06);
}
.fhb-result-good svg{ color:var(--teal-d); }
.fhb-result-caveat{
  border-color:rgba(196,122,0,.3);
  background:rgba(196,122,0,.05);
}
.fhb-result-caveat svg{ color:#c47a00; }
.fhb-result-caveat span{ color:#7b4e00; }

.fhb-result-tally{
  margin-top:14px;
  padding:18px 22px;
  display:flex;
  justify-content:space-between;
  align-items:center;
  background:var(--ink);
  color:#fff;
  border-radius:12px;
  flex-wrap:wrap;
  gap:10px;
}
.fhb-tally-l{
  font-size:.88rem;
  text-transform:uppercase;
  letter-spacing:.12em;
  color:rgba(255,255,255,.75);
  font-weight:600;
}
.fhb-tally-v{
  font-family:var(--f-display);
  font-weight:400;
  font-size:clamp(1.6rem, 2.6vw, 2.2rem);
  color:var(--teal);
  letter-spacing:-.02em;
}
.fhb-result-actions{
  display:flex;
  gap:12px;
  justify-content:center;
  flex-wrap:wrap;
  margin-top:10px;
}
.fhb-result-disc{
  font-size:.8rem;
  color:var(--muted);
  font-style:italic;
  text-align:center;
  margin:18px 0 0;
  line-height:1.55;
}

/* ==========================================================
   4. STATE MAP
   ========================================================== */
.fhb-map{
  padding:88px 0;
  background:var(--cream);
  border-bottom:1px solid var(--line);
}
.fhb-map-wrap{
  display:grid;
  grid-template-columns: .85fr 1.15fr;
  gap:40px;
  align-items:start;
  max-width:1100px;
  margin:0 auto;
}
.fhb-map-tiles{
  display:grid;
  grid-template-columns:repeat(2, 1fr);
  gap:10px;
}
.fhb-tile{
  font-family:var(--f-body);
  background:#fff;
  border:1.5px solid var(--line);
  border-radius:14px;
  padding:18px 16px;
  cursor:pointer;
  text-align:left;
  transition:all .2s ease;
  display:flex;
  flex-direction:column;
  gap:6px;
  min-height:92px;
  justify-content:space-between;
}
.fhb-tile:hover{
  border-color:var(--teal);
  transform:translateY(-2px);
  box-shadow:0 10px 24px -14px rgba(46,196,212,.4);
}
.fhb-tile.is-active{
  border-color:var(--ink);
  background:var(--ink);
  color:#fff;
  box-shadow:0 10px 24px -14px rgba(10,31,58,.5);
}
.fhb-tile-abbr{
  font-family:var(--f-display);
  font-weight:500;
  font-size:1.3rem;
  letter-spacing:-.01em;
  color:var(--ink);
}
.fhb-tile.is-active .fhb-tile-abbr{ color:var(--teal); }
.fhb-tile-v{
  font-size:1rem;
  font-weight:600;
  color:var(--ink-2);
  display:flex;
  flex-direction:column;
  line-height:1.2;
}
.fhb-tile-v small{
  font-size:.72rem;
  font-weight:500;
  text-transform:uppercase;
  letter-spacing:.08em;
  color:var(--muted);
  margin-top:3px;
}
.fhb-tile.is-active .fhb-tile-v{ color:#fff; }
.fhb-tile.is-active .fhb-tile-v small{ color:rgba(255,255,255,.65); }

.fhb-map-detail{
  background:#fff;
  border:1px solid var(--line);
  border-radius:var(--radius-lg);
  padding:32px 34px;
  box-shadow:0 20px 40px -20px rgba(10,31,58,.12);
  min-height:360px;
}
.fhb-map-head{
  display:flex;
  align-items:center;
  gap:16px;
  padding-bottom:18px;
  border-bottom:1px solid var(--line-2);
  margin-bottom:22px;
}
.fhb-map-abbr{
  width:54px; height:54px;
  display:grid; place-items:center;
  background:var(--ink);
  color:var(--teal);
  border-radius:12px;
  font-family:var(--f-display);
  font-weight:500;
  font-size:1.1rem;
  letter-spacing:.04em;
}
.fhb-map-head h3{
  font-family:var(--f-display);
  font-weight:400;
  font-size:1.6rem;
  color:var(--ink);
  margin:0;
  letter-spacing:-.01em;
}
.fhb-map-rows{
  display:flex;
  flex-direction:column;
  gap:16px;
  margin-bottom:20px;
}
.fhb-map-row{
  display:grid;
  grid-template-columns: 170px 1fr;
  gap:18px;
  padding:14px 0;
  border-bottom:1px dashed var(--line-2);
}
.fhb-map-row:last-child{ border-bottom:0; padding-bottom:0; }
.fhb-map-row span{
  font-size:.8rem;
  text-transform:uppercase;
  letter-spacing:.1em;
  color:var(--muted);
  font-weight:600;
  padding-top:2px;
}
.fhb-map-row p{
  font-size:.98rem;
  color:var(--ink-2);
  line-height:1.55;
  margin:0;
}
.fhb-map-note{
  padding:14px 18px;
  background:var(--cream);
  border-left:3px solid var(--teal);
  border-radius:0 10px 10px 0;
  font-size:.92rem;
  color:var(--ink-2);
  font-style:italic;
  line-height:1.55;
}

/* ==========================================================
   5. DEPOSIT BY SUBURB
   ========================================================== */
.fhb-deposit{
  padding:88px 0;
  background:#fff;
  border-bottom:1px solid var(--line);
}
.fhb-dep-grid{
  max-width:960px;
  margin:0 auto;
  border:1px solid var(--line);
  border-radius:var(--radius-lg);
  overflow:hidden;
  background:#fff;
  box-shadow:0 20px 40px -24px rgba(10,31,58,.12);
}
.fhb-dep-row{
  display:grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  align-items:center;
  padding:18px 24px;
  border-bottom:1px solid var(--line-2);
  gap:14px;
  transition:background .2s ease;
}
.fhb-dep-row:last-child{ border-bottom:0; }
.fhb-dep-row:not(.fhb-dep-head):hover{ background:var(--cream); }
.fhb-dep-head{
  background:var(--ink);
  color:#fff;
  font-size:.78rem;
  text-transform:uppercase;
  letter-spacing:.1em;
  font-weight:600;
  padding:14px 24px;
}
.fhb-dep-head > div{ color:rgba(255,255,255,.8); }
.fhb-dep-head > div:first-child{ color:#fff; }

.fhb-dep-row > div:first-child strong{
  display:block;
  font-family:var(--f-display);
  font-weight:500;
  font-size:1.08rem;
  color:var(--ink);
  letter-spacing:-.005em;
}
.fhb-dep-row > div:first-child span{
  display:block;
  font-size:.82rem;
  color:var(--muted);
  margin-top:2px;
}
.fhb-dep-n{
  font-family:var(--f-display);
  font-weight:500;
  font-size:1.1rem;
  color:var(--ink-2);
  letter-spacing:-.01em;
}
.fhb-dep-a{
  color:var(--teal-d);
  position:relative;
  padding-left:14px;
}
.fhb-dep-a::before{
  content:"";
  position:absolute;
  left:0;
  top:50%;
  transform:translateY(-50%);
  width:6px;
  height:6px;
  background:var(--teal);
  border-radius:50%;
  box-shadow:0 0 0 3px rgba(46,196,212,.2);
}
.fhb-dep-muted{
  color:var(--muted-2);
  font-size:.88rem;
  font-family:var(--f-body);
  font-weight:500;
  font-style:italic;
}

.fhb-dep-update{
  max-width:960px;
  margin:18px auto 0;
  padding:16px 22px;
  background:rgba(46,196,212,.08);
  border:1px solid rgba(46,196,212,.3);
  border-radius:12px;
  font-size:.92rem;
  color:var(--ink-2);
  line-height:1.6;
}
.fhb-dep-update strong:first-child{
  color:var(--teal-d);
  text-transform:uppercase;
  letter-spacing:.08em;
  font-size:.78rem;
  margin-right:6px;
}
.fhb-dep-update strong{ color:var(--ink); }
.fhb-dep-update em{ color:var(--teal-d); font-style:italic; }

.fhb-dep-note{
  max-width:960px;
  margin:26px auto 0;
  display:flex;
  gap:14px;
  padding:20px 24px;
  background:var(--cream);
  border:1px solid var(--line-2);
  border-radius:14px;
  font-size:.92rem;
  color:var(--ink-2);
  line-height:1.6;
}
.fhb-dep-note strong{ color:var(--ink); }
.fhb-dep-note-ico{
  flex-shrink:0;
  width:28px; height:28px;
  color:var(--teal-d);
}
.fhb-dep-note-ico svg{ width:100%; height:100%; }

/* ==========================================================
   6. SCHEME EXPLAINERS
   ========================================================== */
.fhb-schemes{
  padding:88px 0;
  background:var(--cream);
  border-bottom:1px solid var(--line);
  position:relative;
  overflow:hidden;
}
.fhb-scheme-grid{
  display:grid;
  grid-template-columns:repeat(3, 1fr);
  gap:22px;
  max-width:1180px;
  margin:0 auto 40px;
}
.fhb-scheme{
  background:#fff;
  border:1px solid var(--line);
  border-radius:var(--radius-lg);
  padding:32px 28px 28px;
  position:relative;
  transition:transform .25s ease, box-shadow .25s ease;
  display:flex;
  flex-direction:column;
  gap:16px;
}
.fhb-scheme:hover{
  transform:translateY(-3px);
  box-shadow:0 24px 50px -26px rgba(10,31,58,.22);
}
.fhb-scheme-n{
  font-family:var(--f-display);
  font-weight:300;
  font-style:italic;
  font-size:3.4rem;
  line-height:1;
  color:var(--teal);
  letter-spacing:-.03em;
  opacity:.9;
}
.fhb-scheme-tag{
  display:inline-block;
  font-size:.72rem;
  font-weight:600;
  text-transform:uppercase;
  letter-spacing:.1em;
  color:var(--muted);
  padding:4px 10px;
  background:var(--cream);
  border-radius:999px;
  margin-bottom:10px;
}
.fhb-scheme-body > h3{
  font-family:var(--f-display);
  font-weight:500;
  font-size:1.35rem;
  color:var(--ink);
  margin:0 0 12px;
  letter-spacing:-.01em;
  line-height:1.2;
}
.fhb-scheme-body > p{
  font-size:.96rem;
  color:var(--ink-2);
  line-height:1.6;
  margin:0 0 18px;
}
.fhb-scheme-body > p strong{ color:var(--ink); }
.fhb-scheme-body > p em{ color:var(--teal-d); font-style:italic; }
.fhb-scheme-body h4{
  font-family:var(--f-body);
  font-size:.78rem;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:.12em;
  color:var(--muted);
  margin:18px 0 8px;
}
.fhb-scheme-body ul{
  list-style:none;
  padding:0;
  margin:0;
}
.fhb-scheme-body li{
  position:relative;
  padding:5px 0 5px 18px;
  font-size:.92rem;
  color:var(--ink-2);
  line-height:1.5;
}
.fhb-scheme-body li::before{
  content:"";
  position:absolute;
  left:0;
  top:13px;
  width:5px;
  height:5px;
  background:var(--teal);
  border-radius:50%;
}
.fhb-scheme-body li strong{ color:var(--ink); }

.fhb-scheme-example{
  margin-top:auto;
  padding:14px 16px;
  background:var(--cream);
  border-radius:10px;
  font-size:.9rem;
  color:var(--ink-2);
  line-height:1.5;
  border-left:3px solid var(--teal);
}
.fhb-scheme-example strong{
  color:var(--teal-d);
  display:block;
  margin-bottom:3px;
  text-transform:uppercase;
  letter-spacing:.08em;
  font-size:.72rem;
}

/* Stack callout */
.fhb-stack{
  max-width:900px;
  margin:0 auto;
  background:var(--ink);
  color:#fff;
  padding:32px 36px;
  border-radius:var(--radius-lg);
  display:flex;
  align-items:center;
  gap:28px;
  position:relative;
  box-shadow:0 30px 60px -30px rgba(10,31,58,.4);
  overflow:hidden;
}
.fhb-stack::before{
  content:"$";
  position:absolute;
  right:-10px;
  bottom:-80px;
  font-family:var(--f-display);
  font-style:italic;
  font-weight:300;
  font-size:18rem;
  line-height:1;
  color:rgba(46,196,212,.08);
  pointer-events:none;
}
.fhb-stack-ico{
  flex-shrink:0;
  width:58px; height:58px;
  display:grid; place-items:center;
  background:rgba(46,196,212,.15);
  color:var(--teal);
  border-radius:14px;
}
.fhb-stack-ico svg{ width:28px; height:28px; }
.fhb-stack h3{
  font-family:var(--f-display);
  font-weight:400;
  font-size:1.7rem;
  color:var(--teal);
  margin:0 0 8px;
  letter-spacing:-.01em;
  font-style:italic;
}
.fhb-stack p{
  font-size:1rem;
  line-height:1.6;
  color:rgba(255,255,255,.92);
  margin:0;
  position:relative;
  z-index:1;
}
.fhb-stack p strong{ color:var(--teal); }

/* ==========================================================
   7. FAQ
   ========================================================== */
.fhb-faq{
  padding:88px 0;
  background:#fff;
  border-bottom:1px solid var(--line);
}
.fhb-faq-grid{
  max-width:1060px;
  margin:0 auto;
  display:grid;
  grid-template-columns:repeat(2, 1fr);
  gap:28px 40px;
}
.fhb-faq-item{
  padding:22px 0 22px 0;
  border-top:1px solid var(--line-2);
}
.fhb-faq-item h4{
  font-family:var(--f-display);
  font-weight:500;
  font-size:1.15rem;
  color:var(--ink);
  margin:0 0 10px;
  letter-spacing:-.005em;
  line-height:1.35;
}
.fhb-faq-item p{
  font-size:.96rem;
  color:var(--ink-2);
  line-height:1.65;
  margin:0;
}

/* ==========================================================
   8. FINAL CTA
   ========================================================== */
.fhb-final{
  padding:88px 0;
  background:var(--cream);
}
.fhb-final-card{
  max-width:1060px;
  margin:0 auto;
  background:linear-gradient(135deg, var(--navy) 0%, var(--ink) 100%);
  color:#fff;
  padding:48px 52px;
  border-radius:var(--radius-lg);
  display:grid;
  grid-template-columns: 1.45fr 1fr;
  gap:40px;
  align-items:center;
  position:relative;
  overflow:hidden;
  box-shadow:0 40px 80px -40px rgba(10,31,58,.5);
}
.fhb-final-card::before{
  content:"";
  position:absolute;
  top:-80px;
  right:-80px;
  width:340px; height:340px;
  background:radial-gradient(closest-side, rgba(46,196,212,.18), transparent 70%);
  pointer-events:none;
}
.fhb-final-card .fhb-eyebrow{
  display:inline-block;
  font-size:.78rem;
  text-transform:uppercase;
  letter-spacing:.14em;
  color:var(--teal);
  font-weight:600;
  margin-bottom:12px;
}
.fhb-final-card .fhb-eyebrow.light{ color:var(--teal); }
.fhb-final-card h2{
  font-family:var(--f-display);
  font-weight:400;
  font-size:clamp(1.8rem, 3vw, 2.4rem);
  color:#fff;
  margin:0 0 14px;
  line-height:1.15;
  letter-spacing:-.015em;
}
.fhb-final-card p{
  color:rgba(255,255,255,.82);
  font-size:1rem;
  line-height:1.6;
  margin:0;
  max-width:48ch;
}
.fhb-final-actions{
  display:flex;
  flex-direction:column;
  gap:12px;
  position:relative;
  z-index:1;
}
.fhb-final-actions .btn{
  width:100%;
  justify-content:center;
  text-align:center;
}
.btn-teal{
  background:var(--teal);
  color:var(--ink);
  border:1.5px solid var(--teal);
  font-weight:600;
}
.btn-teal:hover{
  background:var(--teal-d);
  border-color:var(--teal-d);
  color:#fff;
}
.btn-light{
  background:#fff;
  color:var(--ink);
  border:1.5px solid #fff;
  font-weight:600;
}
.btn-light:hover{
  background:transparent;
  color:#fff;
  border-color:#fff;
}
.btn-ghost-light{
  background:transparent;
  color:#fff;
  border:1.5px solid rgba(255,255,255,.3);
  font-weight:600;
}
.btn-ghost-light:hover{
  background:rgba(255,255,255,.08);
  border-color:rgba(255,255,255,.6);
  color:#fff;
}

/* ==========================================================
   9. RESPONSIVE
   ========================================================== */
@media (max-width: 980px){
  .fhb-hero{ padding:32px 0 56px; }
  .fhb-hero::before{ font-size:14rem; right:-20px; top:-10px; }
  .fhb-hero-grid{
    grid-template-columns:1fr;
    gap:36px;
  }
  .fhb-hero-pull{
    position:static;
    top:auto;
  }

  .fhb-quiz, .fhb-map, .fhb-deposit, .fhb-schemes, .fhb-faq, .fhb-final{
    padding:64px 0;
  }
  .fhb-quiz-card{ padding:28px 22px; }
  .fhb-opts{ grid-template-columns:repeat(2, 1fr); }
  .fhb-opts-wide{ grid-template-columns:1fr; }

  .fhb-map-wrap{
    grid-template-columns:1fr;
    gap:28px;
  }
  .fhb-map-tiles{ grid-template-columns:repeat(4, 1fr); }
  .fhb-map-detail{ padding:26px 24px; }
  .fhb-map-row{
    grid-template-columns:1fr;
    gap:6px;
  }

  .fhb-dep-grid{ border-radius:14px; }
  .fhb-dep-row{
    grid-template-columns: 1fr 1fr 1fr;
    padding:14px 16px;
    font-size:.9rem;
  }
  .fhb-dep-row > div:first-child{
    grid-column:1 / -1;
    padding-bottom:6px;
    border-bottom:1px dashed var(--line-2);
    margin-bottom:6px;
  }
  .fhb-dep-head > div{
    font-size:.7rem;
  }
  .fhb-dep-head > div:first-child{
    grid-column:1 / -1;
    border-bottom:0;
    margin-bottom:0;
  }

  .fhb-scheme-grid{
    grid-template-columns:1fr;
    gap:18px;
  }

  .fhb-stack{
    flex-direction:column;
    align-items:flex-start;
    text-align:left;
    padding:28px 26px;
  }
  .fhb-stack::before{ font-size:14rem; bottom:-60px; }

  .fhb-faq-grid{
    grid-template-columns:1fr;
    gap:0;
  }

  .fhb-final-card{
    grid-template-columns:1fr;
    gap:28px;
    padding:36px 28px;
  }
}

@media (max-width: 560px){
  .fhb-hero-text h1{ font-size:1.85rem; }
  .fhb-hero-pull{ padding:22px 20px; }
  .fhb-pull-list strong{ min-width:auto; display:inline; margin-right:6px; }

  .fhb-quiz-card{ padding:22px 16px; }
  .fhb-opts{ grid-template-columns:repeat(2, 1fr); }
  .fhb-opt{ padding:14px 10px; font-size:.92rem; }
  .fhb-step h3{ font-size:1.2rem; }

  .fhb-map-tiles{ grid-template-columns:repeat(2, 1fr); }

  .fhb-dep-row{
    grid-template-columns: 1fr 1fr;
    font-size:.88rem;
  }
  .fhb-dep-head > div:nth-child(4){ display:none; }
  .fhb-dep-row > div:nth-child(4){ display:none; }

  .fhb-dep-note{
    flex-direction:column;
    gap:10px;
  }

  .fhb-final-card{ padding:28px 22px; }
  .fhb-final-actions .btn{ font-size:.95rem; padding:12px 18px; }

  .fhb-result-tally{
    flex-direction:column;
    align-items:flex-start;
    padding:16px 18px;
  }

  .fhb-quiz-bar{ flex-direction:column; gap:12px; align-items:flex-start; }
}