/* Handover service page skeleton. Scoped to .hop-page. Calculator widget unchanged. */
.hop-page {
  --hop-gold: #c8a96e;
  --hop-ink: #1b2a4a;
  --hop-muted: #4b5563;
  --hop-line: #e8dfd5;
  --hop-mist: #f5f8fa;
  --hop-navy: #0f1a30;
}

body.hop-page .page-rail { display: none !important; }
.hop-page .hop-hero {
  text-align: center;
  min-height: 440px;
  padding-bottom: 48px;
}
html.has-page-rail .hop-page .hop-hero {
  padding-top: calc(var(--mova-header-h, 108px) + 72px);
}
html.has-page-rail .hop-page .hop-hero > .container > h1 {
  position: static !important;
  width: auto;
  height: auto;
  max-width: 16ch;
  margin: 8px auto 0;
  padding: 0;
  overflow: visible;
  clip: auto;
  white-space: normal;
}
.hop-page .hop-hero .page-hero__bg {
  transform: none;
  object-position: center 40%;
}
.hop-page .hop-hero.page-hero--image::after {
  background: rgba(15, 26, 48, 0.82);
}
.hop-page .hop-hero__inner {
  position: relative;
  z-index: 2;
  display: flex;
  flex-direction: column;
  align-items: center;
}
.hop-page .hop-hero .breadcrumbs {
  align-self: stretch;
  text-align: left;
}
.hop-page .hop-hero h1 {
  max-width: 16ch;
  margin: 8px auto 0;
  text-align: center;
  font-size: clamp(32px, 4.2vw, 48px);
  line-height: 1.2;
  font-weight: 700;
}
.hop-page .hop-hero .lead {
  max-width: 640px;
  margin: 20px auto 0;
  text-align: center;
  color: #d1d5db;
  font-size: 18px;
  line-height: 1.5;
}
.hop-page .hop-hero .hero-actions {
  justify-content: center;
  margin-top: 28px;
}
.hop-page .hop-hero .btn-primary {
  background: var(--hop-gold);
  border-color: var(--hop-gold);
  color: var(--hop-navy);
  border-radius: 8px;
}
.hop-page .hop-hero .btn-outline,
.hop-page .hop-band--navy .btn-primary {
  background: transparent;
  border: 1.5px solid var(--hop-gold);
  color: var(--hop-gold);
  border-radius: 8px;
}
.hop-page .hop-band--navy .btn-primary {
  background: var(--hop-gold);
  color: var(--hop-navy);
}

.hop-page .hop-band {
  padding: 36px 0;
  background: #fff;
}
.hop-page .section.home-calc {
  padding: 36px 0;
}
/* One photo for the whole page. White bands are windows onto it; the pointer shifts that single photo. */
body.hop-page {
  position: relative;
  z-index: 0;
  background: transparent;
}
body.hop-page::before {
  content: "";
  position: fixed;
  left: -64px;
  top: -48px;
  width: calc(100vw + 128px);
  height: calc(100vh + 96px);
  background: url("/mova/assets/hero/handover-skyline.jpg") center / cover no-repeat;
  transform: translate3d(var(--hop-px, 0px), var(--hop-py, 0px), 0);
  transition: transform 0.18s linear;
  pointer-events: none;
  z-index: -1;
}
.hop-page .hop-band:not(.hop-band--mist):not(.hop-band--navy):not(.hop-band--white):not(.hop-band--sand) {
  background: rgba(255, 255, 255, 0.78);
}
.hop-page .site-footer { background: var(--navy-900, #0a1830); }
.hop-page .hop-band--mist { background: var(--hop-mist); }
.hop-page .hop-band--navy {
  background: var(--hop-navy);
  color: #fff;
  text-align: center;
}
.hop-page .hop-band h2,
.hop-page .hop-band h3 {
  color: var(--hop-ink);
  font-family: var(--display);
  font-weight: 650;
  letter-spacing: -0.02em;
}
.hop-page .hop-band h2,
.hop-page .hop-split > div > h3 {
  font-size: clamp(28px, 3vw, 36px);
  line-height: 1.2;
  margin: 0 0 20px;
}
.hop-page .hop-band .section-intro {
  color: var(--hop-muted);
  font-size: 16px;
  line-height: 1.6;
  margin: 0 0 14px;
  max-width: none;
}

.hop-page .hop-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}
.hop-page .hop-intro h2 { margin-top: 8px; }

.hop-page .home-calc {
  background: var(--hop-mist);
  padding-top: 72px;
  padding-bottom: 28px;
}
.hop-page .home-calc .section-intro {
  text-align: start;
  margin-left: 0;
  margin-right: 0;
}
.hop-page .home-calc .home-calc__seo-title,
.hop-page .home-calc .hop-hint--lead,
.hop-page .home-calc .hop-calc-link {
  align-self: stretch;
  width: 100%;
  text-align: center;
}
.hop-page #calculator .hop-calc-link { max-width: none; }
.hop-page .home-calc .home-calc__seo-title {
  font-family: var(--display);
  font-weight: 650;
  font-size: clamp(28px, 3vw, 36px);
  line-height: 1.2;
  letter-spacing: -0.02em;
  color: var(--hop-ink);
  margin: 0 0 20px;
}
.hop-page #calculator > .container.home-calc__inner {
  align-items: flex-start;
  justify-content: flex-start;
}
.hop-page .hop-calc-stage {
  width: max-content;
  max-width: calc(100vw - 40px);
  position: relative;
  left: 50%;
  transform: translateX(-50%);
}
.hop-page .hop-calc-row {
  display: flex;
  align-items: stretch;
  justify-content: flex-start;
  gap: 20px;
  width: max-content;
  max-width: 100%;
}
.hop-page .hop-calc-main {
  flex: 0 0 1132px;
  width: 1132px;
  max-width: 100%;
}
.hop-page .hop-hint {
  width: 1132px;
  max-width: 100%;
}
.hop-page .hop-hint {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin-top: 12px;
}
.hop-page .hop-hint__icon {
  flex: 0 0 18px;
  width: 18px;
  height: 18px;
  margin-top: 1px;
  color: var(--hop-gold, #a57347);
}
.hop-page .hop-hint p {
  margin: 0 0 3px;
  font-size: 12px;
  line-height: 1.4;
  color: var(--hop-muted);
}
.hop-page .hop-hint p:last-child { margin-bottom: 0; }
.hop-page .hop-hint--lead {
  width: auto;
  max-width: 72ch;
  margin: 0 auto 8px;
  justify-content: center;
}
.hop-page .hop-hint--lead .section-intro {
  max-width: none;
  margin: 0;
  font-size: 13px;
  line-height: 1.45;
}
.hop-page .hop-calc-link { margin: 0 0 16px; }
.hop-page .hop-calc-link a {
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.hop-page .hop-calc-link a::after {
  content: "";
  flex: 0 0 16px;
  width: 16px;
  height: 16px;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23c4a35a' stroke-width='1.75' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='4' y='3' width='16' height='18'/%3E%3Cpath d='M8 7h8M8 11h2M12 11h2M16 11h2M8 15h2M12 15h2M16 15h2'/%3E%3C/svg%3E") center / 16px 16px no-repeat;
}
.hop-page .hop-quotes {
  flex: 0 0 340px;
  width: 340px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  gap: 12px;
  align-self: stretch;
  min-height: 0;
}
.hop-page .hop-quote {
  position: relative;
  flex: 0 0 auto;
  margin: 0;
  font-style: normal;
  padding-block: 16px;
  padding-inline: 44px 16px;
  background: #fff;
  border: 0;
  border-inline-start: 3px solid var(--hop-navy, #0a1830);
  box-shadow: 0 8px 24px rgba(10, 24, 48, 0.06);
}
.hop-page .hop-quote::before {
  content: "\201C";
  position: absolute;
  inset-inline-start: 8px;
  top: 2px;
  font-family: var(--display);
  font-size: 42px;
  line-height: 1;
  color: #a8a8a8;
}
.hop-page .hop-quote h3.hop-quote__title {
  margin: 0 0 8px;
  font-family: var(--display);
  font-size: 14px;
  font-weight: 650;
  line-height: 1.3;
  letter-spacing: -0.02em;
  color: var(--hop-ink);
  text-align: start;
}
.hop-page .hop-quote__text {
  margin: 0;
  font-size: 13px;
  line-height: 1.45;
  color: var(--hop-muted);
  text-align: start;
}

.hop-page .hop-plans {
  display: grid;
  gap: 18px;
  align-items: stretch;
  margin-top: 8px;
  background: transparent;
  border: 0;
}
.hop-page .hop-plans--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.hop-page .hop-band.hop-band--white { background: #fff; }
.hop-page .hop-band.hop-band--sand { background: #f3efe6; }
.hop-page .hop-band--sand .hop-when__advice { background: #fff; }
.hop-page .hop-plans--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.hop-page .hop-plans--4 {
  width: 100vw;
  max-width: 100vw;
  margin-left: calc(50% - 50vw);
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 0;
  background: #fff;
  border-top: 1px solid var(--line, #d8dee8);
  border-bottom: 1px solid var(--line, #d8dee8);
}
.hop-page .hop-plans--4 .hop-plan {
  display: flex;
  flex-direction: column;
  border: 0;
  border-radius: 0;
  box-shadow: none;
  border-inline-end: 1px solid var(--line, #d8dee8);
  padding: 22px 16px 20px;
}
.hop-page .hop-plans--4 .hop-plan__list,
.hop-page .hop-plans--4 .hop-plan__body { margin-bottom: 16px; }
.hop-page .hop-plans--4 .hop-plan__note { margin-top: auto; }
.hop-page .hop-plans--4 .hop-plan:last-child { border-inline-end: 0; }
.hop-page .hop-plans--4 .hop-plan__title { font-size: 18px; }
.hop-page .hop-plans--4 .hop-plan__list li,
.hop-page .hop-plans--4 .hop-plan__body,
.hop-page .hop-plans--4 .hop-plan__note { font-size: 13px; }
.hop-page .hop-plan {
  min-width: 0;
  padding: 22px 22px 18px;
  background: #fff;
  color: var(--hop-ink);
  text-align: start;
  border: 1px solid rgba(15, 31, 53, 0.06);
  border-radius: 0;
  box-shadow: 0 12px 32px rgba(16, 24, 40, 0.06);
}
.hop-page .hop-plan__head {
  display: grid;
  grid-template-columns: 42px minmax(0, 1fr);
  column-gap: 12px;
  row-gap: 2px;
  align-items: center;
  margin: 0 0 16px;
}
.hop-page .hop-plan__head::before {
  content: "";
  grid-row: 1 / -1;
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background-color: #f6f0e6;
  background-repeat: no-repeat;
  background-position: center;
  background-size: 20px 20px;
}
.hop-page .hop-plans--3 .hop-plan__head::before {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23c4a35a' stroke-width='1.75' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M9 18h6'/%3E%3Cpath d='M10 22h4'/%3E%3Cpath d='M8.5 14.5A6.5 6.5 0 1 1 15.5 14.5c-.7.6-1.5 1.4-1.5 2.5h-4c0-1.1-.8-1.9-1.5-2.5z'/%3E%3C/svg%3E");
}
.hop-page .hop-plan:has(.hop-plan__list--doc) .hop-plan__head::before {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23c4a35a' stroke-width='1.75' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z'/%3E%3Cpath d='M14 2v6h6'/%3E%3Cpath d='M8 13h8'/%3E%3Cpath d='M8 17h5'/%3E%3C/svg%3E");
}
.hop-page .hop-plan:has(.hop-plan__list--money) .hop-plan__head::before {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23c4a35a' stroke-width='1.75' stroke-linecap='round' stroke-linejoin='round'%3E%3Cellipse cx='12' cy='6.5' rx='7' ry='2.6'/%3E%3Cpath d='M5 6.5v3.2c0 1.5 3.1 2.6 7 2.6s7-1.1 7-2.6V6.5'/%3E%3Cpath d='M5 9.7v3.2c0 1.5 3.1 2.6 7 2.6s7-1.1 7-2.6V9.7'/%3E%3Cpath d='M5 12.9v3.2c0 1.5 3.1 2.6 7 2.6s7-1.1 7-2.6v-3.2'/%3E%3C/svg%3E");
}
.hop-page .hop-plan:has(.hop-plan__list--support) .hop-plan__head::before {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23c4a35a' stroke-width='1.75' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M8 13.5 6 11.5a2 2 0 0 0-3 0L2 13'/%3E%3Cpath d='m8 13 2.2-2.2a1.6 1.6 0 0 1 2.3 0L14 12'/%3E%3Cpath d='m14 12 2.2-2.2a1.6 1.6 0 0 1 2.3 0L20 11.5'/%3E%3Cpath d='M8 14.5 10 18l3-1.2'/%3E%3Cpath d='m16 14 2 2.5 3-1'/%3E%3C/svg%3E");
}
.hop-page .hop-plan:has(.hop-plan__body) .hop-plan__head::before {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23c4a35a' stroke-width='1.75' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M4 10.5 12 4l8 6.5'/%3E%3Cpath d='M6 10v9h6'/%3E%3Cpath d='M18 10v2.2'/%3E%3Ccircle cx='16.2' cy='16.2' r='2.4'/%3E%3Cpath d='m18 18 2 2'/%3E%3C/svg%3E");
}
.hop-page .hop-plan h2.hop-plan__title,
.hop-page .hop-plan h3.hop-plan__title {
  display: block;
  grid-column: 2;
  margin: 0;
  padding: 0;
  background: none;
  color: var(--hop-ink);
  font-family: var(--display);
  font-weight: 650;
  font-size: 22px;
  line-height: 1.25;
  letter-spacing: -0.02em;
  text-align: start;
}
.hop-page .hop-plan__head:not(:has(.hop-plan__lead)) .hop-plan__title::after {
  content: "";
  display: block;
  width: 42px;
  height: 2px;
  margin-top: 10px;
  background: #c4a35a;
}
.hop-page .hop-plan__lead {
  grid-column: 2;
  margin: 0;
  color: var(--hop-gold);
  font-size: 12px;
  line-height: 1.4;
  letter-spacing: 0.04em;
}
.hop-page .hop-plan__list {
  list-style: none;
  margin: 0;
  padding: 0;
}
.hop-page .hop-plan__list li {
  position: relative;
  margin: 0 0 8px;
  padding-inline-start: 24px;
  color: var(--hop-muted);
  font-size: 14px;
  line-height: 1.45;
}
.hop-page .hop-plan__list li::before {
  content: "";
  position: absolute;
  inset-inline-start: 0;
  top: 0.15em;
  width: 16px;
  height: 16px;
  background: center / 16px 16px no-repeat;
}
.hop-page .hop-plan__list--bulb li::before {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23c4a35a' stroke-width='1.75' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M9 18h6'/%3E%3Cpath d='M10 22h4'/%3E%3Cpath d='M8.5 14.5A6.5 6.5 0 1 1 15.5 14.5c-.7.6-1.5 1.4-1.5 2.5h-4c0-1.1-.8-1.9-1.5-2.5z'/%3E%3C/svg%3E");
}
.hop-page .hop-plan__list--doc strong {
  color: var(--hop-ink);
  font-weight: 700;
}
.hop-page .hop-plan__list--doc li::before {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23c4a35a' stroke-width='1.75' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z'/%3E%3Cpath d='M14 2v6h6'/%3E%3Cpath d='M8 13h8'/%3E%3Cpath d='M8 17h5'/%3E%3C/svg%3E");
}
.hop-page .hop-plan__list--money li::before {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23c4a35a' stroke-width='1.75' stroke-linecap='round' stroke-linejoin='round'%3E%3Cellipse cx='12' cy='6.5' rx='7' ry='2.6'/%3E%3Cpath d='M5 6.5v3.2c0 1.5 3.1 2.6 7 2.6s7-1.1 7-2.6V6.5'/%3E%3Cpath d='M5 9.7v3.2c0 1.5 3.1 2.6 7 2.6s7-1.1 7-2.6V9.7'/%3E%3Cpath d='M5 12.9v3.2c0 1.5 3.1 2.6 7 2.6s7-1.1 7-2.6v-3.2'/%3E%3C/svg%3E");
}
.hop-page .hop-plan__list--support strong {
  color: var(--hop-ink);
  font-weight: 700;
}
.hop-page .hop-point--file::before {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23c4a35a' stroke-width='1.75' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z'/%3E%3Cpath d='M14 2v6h6'/%3E%3Cpath d='M8 13h8'/%3E%3Cpath d='M8 17h5'/%3E%3C/svg%3E");
}
.hop-page .hop-point--people::before {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23c4a35a' stroke-width='1.75' stroke-linecap='round' stroke-linejoin='round'%3E%3Ccircle cx='9' cy='8' r='2.2'/%3E%3Ccircle cx='16' cy='8.5' r='1.8'/%3E%3Cpath d='M3.8 18c.5-2.3 2.3-3.6 5.2-3.6s4.7 1.3 5.2 3.6'/%3E%3Cpath d='M14 14.8c.6-.3 1.4-.5 2.2-.5 2 0 3.4 1 4 2.7'/%3E%3C/svg%3E");
}
.hop-page .hop-point--home::before {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23c4a35a' stroke-width='1.75' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M4 11 12 4l8 7'/%3E%3Cpath d='M6 10.5V20h12v-9.5'/%3E%3C/svg%3E");
}
.hop-page .hop-point--user::before {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23c4a35a' stroke-width='1.75' stroke-linecap='round' stroke-linejoin='round'%3E%3Ccircle cx='12' cy='8' r='3'/%3E%3Cpath d='M5 19c1.2-2.6 3.2-4 7-4s5.8 1.4 7 4'/%3E%3C/svg%3E");
}
.hop-page .hop-point--shield::before {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23c4a35a' stroke-width='1.75' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M12 3 5 6v6c0 4 2.8 6.4 7 8 4.2-1.6 7-4 7-8V6z'/%3E%3C/svg%3E");
}
.hop-page .hop-plan__list li:last-child { margin-bottom: 0; }
.hop-page .hop-plan__body {
  margin: 0;
  color: var(--hop-muted);
  font-size: 14px;
  line-height: 1.5;
  text-align: start;
}
.hop-page .hop-plan__note {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin: 16px 0 0;
  padding: 12px 14px;
  background: #f6f3ee;
  border-radius: 0;
  color: #6b7280;
  font-size: 13px;
  line-height: 1.45;
  text-align: start;
}
.hop-page .hop-plan__note::before {
  content: "";
  flex: 0 0 18px;
  width: 18px;
  height: 18px;
  margin-top: 1px;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23c4a35a' stroke-width='1.75' stroke-linecap='round'%3E%3Ccircle cx='12' cy='12' r='9'/%3E%3Cpath d='M12 11v5'/%3E%3Cpath d='M12 8h.01'/%3E%3C/svg%3E") center / 18px 18px no-repeat;
}
.hop-page .hop-plan__body a {
  color: var(--hop-ink);
  text-decoration: underline;
}

.hop-page .hop-split.hop-when {
  align-items: stretch;
  gap: 0;
  border: 1px solid rgba(15, 31, 53, 0.16);
  background: #fff;
  overflow: hidden;
}
.hop-page .hop-when > :first-child {
  background: #fff;
  padding: 26px 28px 22px;
}
.hop-page .hop-when__copy .section-intro { margin: 0 0 14px; }
.hop-page .hop-when__advice {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-top: 8px;
  padding: 14px 16px;
  background: #f6f3ee;
  border-radius: 0;
}
.hop-page .hop-when__advice-ico {
  flex: 0 0 42px;
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: #f3e6cf url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23c4a35a' stroke-width='1.75' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='4' y='5' width='16' height='15'/%3E%3Cpath d='M4 10h16M8 3v4M16 3v4'/%3E%3C/svg%3E") center / 20px 20px no-repeat;
}
.hop-page .hop-when__advice strong {
  display: block;
  margin: 0 0 2px;
  color: var(--hop-ink);
  font-size: 14px;
}
.hop-page .hop-when__advice p {
  margin: 0;
  color: var(--hop-muted);
  font-size: 14px;
  line-height: 1.45;
}
.hop-page .hop-when__visual {
  position: relative;
  min-height: 100%;
  height: 100%;
  overflow: hidden;
  border-radius: 0;
  background: #102033;
}
.hop-page .hop-when__photo {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: 0;
  display: block;
}
.hop-page .hop-when__shade {
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(10, 24, 48, 0.55) 0%, rgba(10, 24, 48, 0.12) 46%, rgba(10, 24, 48, 0.08) 62%, rgba(10, 24, 48, 0.45) 100%);
}
.hop-page .hop-when__visual-copy {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  grid-template-rows: auto 1fr;
  min-height: 100%;
  height: 100%;
  padding: 28px 22px 78px;
  color: #fff;
}
.hop-page .hop-when__kicker,
.hop-page .hop-when__with,
.hop-page .hop-when__end {
  margin: 0;
  color: #fff;
  text-shadow: 0 2px 12px rgba(0, 0, 0, 0.45);
}
.hop-page .hop-when__kicker {
  grid-column: 1;
  font-family: var(--display);
  font-size: 26px;
  font-weight: 650;
  line-height: 1.15;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  max-width: 8em;
}
.hop-page .hop-when__with {
  grid-column: 1;
  align-self: center;
  max-width: 12em;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}
.hop-page .hop-when__end {
  grid-column: 2;
  grid-row: 2;
  justify-self: end;
  align-self: center;
  text-align: end;
  font-size: 15px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}
.hop-page .hop-when__steps {
  position: absolute;
  z-index: 2;
  left: 0;
  right: 0;
  bottom: 0;
  display: flex;
  margin: 0;
  padding: 10px 6px 12px;
  list-style: none;
  background: rgba(255, 255, 255, 0.94);
  border-radius: 0;
}
.hop-page .hop-when__steps li {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
  color: #1a2744;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.hop-page .hop-when__step-ico {
  width: 18px;
  height: 18px;
  background: center / 18px 18px no-repeat;
}
.hop-page .hop-when__step-ico--assess { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23c4a35a' stroke-width='1.75' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z'/%3E%3Cpath d='M14 2v6h6M8 13h8M8 17h5'/%3E%3C/svg%3E"); }
.hop-page .hop-when__step-ico--prepare { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23c4a35a' stroke-width='1.75' stroke-linecap='round' stroke-linejoin='round'%3E%3Ccircle cx='11' cy='11' r='6'/%3E%3Cpath d='m20 20-3.5-3.5'/%3E%3C/svg%3E"); }
.hop-page .hop-when__step-ico--submit { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23c4a35a' stroke-width='1.75' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M3 10h18M5 10v8h14v-8M8 10V7h8v3'/%3E%3C/svg%3E"); }
.hop-page .hop-when__step-ico--approve { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23c4a35a' stroke-width='1.75' stroke-linecap='round' stroke-linejoin='round'%3E%3Ccircle cx='12' cy='12' r='8'/%3E%3Cpath d='m8.5 12.5 2.2 2.2 4.8-5'/%3E%3C/svg%3E"); }
.hop-page .hop-when__step-ico--move { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23c4a35a' stroke-width='1.75' stroke-linecap='round' stroke-linejoin='round'%3E%3Ccircle cx='8' cy='15' r='3'/%3E%3Cpath d='M11 15h8l2-4H10'/%3E%3Cpath d='M14 11V8h3l2 3'/%3E%3C/svg%3E"); }

.hop-page .hop-flow-title,
.hop-page #who > .container > h2 {
  text-align: center;
}
.hop-page #when .hop-hint {
  width: auto;
  max-width: none;
  margin-top: 4px;
}
.hop-page .hop-flow-title {
  text-align: center;
  font-family: var(--display);
  font-weight: 650;
  font-size: clamp(28px, 3vw, 36px);
  line-height: 1.2;
  letter-spacing: -0.02em;
  color: var(--navy-900, #0a1830);
  margin: 0 0 20px;
}
.hop-page .hop-flow {
  list-style: none;
  margin: 36px 0 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(6, minmax(0, 1fr));
  gap: 18px 12px;
  align-items: start;
}
.hop-page .hop-flow__item { text-align: center; min-width: 0; }
.hop-page .hop-flow__item--down .hop-flow__top { margin-top: 42px; }
.hop-page .hop-flow__top {
  display: grid;
  justify-items: center;
  margin-bottom: 14px;
}
.hop-page .hop-flow__disc {
  width: 84px;
  height: 84px;
  border-radius: 50%;
  object-fit: cover;
  background: #fff;
  border: 2px solid var(--gold, #a57347);
  box-shadow: 0 8px 18px rgba(10, 24, 48, 0.08);
  position: relative;
  z-index: 1;
}
.hop-page .hop-flow__arrow {
  position: relative;
  display: block;
  width: 100%;
  max-width: 168px;
  height: 36px;
  margin-top: -6px;
}
.hop-page .hop-flow__arrow svg {
  display: block;
  width: 100%;
  height: 36px;
}
.hop-page .hop-flow__arrow path {
  fill: #efe6da;
  transition: fill 0.45s ease;
}
.hop-page .hop-flow__arrow > span {
  position: absolute;
  left: 50%;
  top: 50%;
  transform: translate(-50%, -50%);
  min-width: 28px;
  padding: 2px 6px;
  border-radius: 4px;
  background: #fff;
  border: 1px solid var(--gold, #a57347);
  color: var(--navy-900, #0a1830);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.04em;
  line-height: 1.3;
}
.hop-page .hop-flow__item.is-done:nth-child(1) .hop-flow__arrow path,
.hop-page .hop-flow__item.is-on:nth-child(1) .hop-flow__arrow path { fill: #b7c6dc; }
.hop-page .hop-flow__item.is-done:nth-child(2) .hop-flow__arrow path,
.hop-page .hop-flow__item.is-on:nth-child(2) .hop-flow__arrow path { fill: #8aa3c4; }
.hop-page .hop-flow__item.is-done:nth-child(3) .hop-flow__arrow path,
.hop-page .hop-flow__item.is-on:nth-child(3) .hop-flow__arrow path { fill: #5d7eab; }
.hop-page .hop-flow__item.is-done:nth-child(4) .hop-flow__arrow path,
.hop-page .hop-flow__item.is-on:nth-child(4) .hop-flow__arrow path { fill: #3a5d8c; }
.hop-page .hop-flow__item.is-done:nth-child(5) .hop-flow__arrow path,
.hop-page .hop-flow__item.is-on:nth-child(5) .hop-flow__arrow path { fill: #1d3d70; }
.hop-page .hop-flow__item.is-done:nth-child(6) .hop-flow__arrow path,
.hop-page .hop-flow__item.is-on:nth-child(6) .hop-flow__arrow path { fill: #0a1830; }
.hop-page .hop-flow__item.is-on .hop-flow__disc {
  box-shadow: 0 0 0 3px var(--navy-900, #0a1830);
}
.hop-page .hop-flow__item.is-on .hop-flow__arrow > span {
  background: var(--gold, #a57347);
  border-color: var(--gold, #a57347);
  color: #16130a;
}
.hop-page .hop-flow__item.is-done .hop-flow__arrow > span {
  background: var(--navy-900, #0a1830);
  border-color: var(--navy-900, #0a1830);
  color: #fff;
}
.hop-page .hop-flow h3 {
  margin: 0 0 6px;
  font-size: 15px;
  line-height: 1.25;
  color: var(--navy-900, #0a1830);
}
.hop-page .hop-flow p {
  margin: 0;
  font-size: 13px;
  line-height: 1.45;
  color: var(--muted, #475569);
}
.hop-page .hop-flow__item:not(.is-on) h3,
.hop-page .hop-flow__item:not(.is-on) p { opacity: 0.62; }
.hop-page .hop-flow__item.is-on h3,
.hop-page .hop-flow__item.is-on p { opacity: 1; }

.hop-page .hop-sol {
  margin-top: 8px;
  width: 100vw;
  max-width: 100vw;
  margin-left: calc(50% - 50vw);
  display: grid;
  grid-template-columns: repeat(6, minmax(0, 1fr));
  background: #fff;
  border-top: 1px solid var(--line, #d8dee8);
  border-bottom: 1px solid var(--line, #d8dee8);
  border-radius: 0;
  overflow: hidden;
}
.hop-page .hop-sol__card {
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  min-height: 300px;
  padding: 22px 16px 20px;
  text-align: start;
  background: #fff;
  border-inline-end: 1px solid var(--line, #d8dee8);
  border-bottom: 0;
  overflow: hidden;
  transition: background 0.45s ease, color 0.45s ease;
}
.hop-page .hop-sol__card:last-child { border-inline-end: 0; }
.hop-page .hop-sol__ico {
  width: min(160px, 72%);
  height: auto;
  aspect-ratio: 1;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--gold, #a57347);
  position: relative;
  z-index: 1;
}
.hop-page .hop-sol__num {
  position: absolute;
  top: 8px;
  inset-inline-end: 12px;
  font-size: 64px;
  font-weight: 700;
  line-height: 0.85;
  color: transparent;
  -webkit-text-stroke: 1.5px rgba(10, 24, 48, 0.22);
  pointer-events: none;
  user-select: none;
}
.hop-page .hop-sol h3 {
  position: relative;
  z-index: 1;
  margin: auto 0 8px;
  max-width: 16em;
  font-size: 16px;
  line-height: 1.25;
  color: var(--navy-900, #0a1830);
}
.hop-page .hop-sol p {
  position: relative;
  z-index: 1;
  margin: 0;
  max-width: 36em;
  font-size: 13px;
  line-height: 1.5;
  color: var(--muted, #475569);
}
.hop-page .hop-sol__card.is-on {
  background: var(--navy-900, #0a1830);
}
.hop-page .hop-sol__card.is-on h3 { color: #fff; }
.hop-page .hop-sol__card.is-on p { color: rgba(255, 255, 255, 0.82); }
.hop-page .hop-sol__card.is-on .hop-sol__num {
  -webkit-text-stroke: 1.5px var(--gold, #a57347);
}
.hop-page .hop-sol__card.is-done .hop-sol__num {
  -webkit-text-stroke: 1.5px rgba(165, 115, 71, 0.55);
}

.hop-page .hop-faq { max-width: none; }
.hop-page #faq.hop-band { background: #fff; }
.hop-page #faq .section-head {
  max-width: none;
  margin: 0 0 8px;
  text-align: center;
}
.hop-page #faq .faq { column-gap: 28px; }
.hop-page .faq-item,
.hop-page .faq-item summary { background: transparent; border-radius: 0; }
.hop-page #faq .faq-item { margin: 0; }
.hop-page .faq-item summary { color: var(--navy-900, #0a1830); border-bottom: 0; padding: 8px 0; }
.hop-page .faq-item[open] summary { border-bottom: 0; }
.hop-page .faq-item summary::after { color: var(--gold, #a57347); }
.hop-page #faq .faq-item p { padding: 0 0 8px; line-height: 1.45; }
.hop-page .hop-faq__line {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  margin: 0 0 4px;
}
.hop-page .hop-faq__line:last-child { margin-bottom: 0; }
.hop-page .hop-faq__bulb {
  flex: 0 0 14px;
  width: 14px;
  height: 14px;
  margin-top: 3px;
  color: var(--hop-gold, #a57347);
}

.hop-page .hop-band--navy { text-align: center; }
.hop-page .hop-band--navy h2 { color: #fff; }
.hop-page .hop-band--navy .section-intro {
  color: #d1d5db;
  max-width: 720px;
  margin-left: auto;
  margin-right: auto;
}
.hop-page .hop-band--navy .hero-actions { justify-content: center; }
.hop-page .hop-band--navy .btn-outline {
  background: transparent;
  border: 1.5px solid var(--hop-gold);
  color: var(--hop-gold);
  border-radius: 8px;
}

.hop-page .hop-links-band { padding: 0; background: #fff; }
.hop-page .hop-links {
  width: 100vw;
  max-width: 100vw;
  margin-left: calc(50% - 50vw);
  display: grid;
  grid-template-columns: repeat(7, minmax(0, 1fr));
  background: #fff;
  border-top: 1px solid var(--line, #d8dee8);
  border-bottom: 1px solid var(--line, #d8dee8);
}
.hop-page .hop-links__card {
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  min-height: 0;
  padding: 10px 10px 8px;
  background: #fff;
  border-inline-end: 1px solid var(--line, #d8dee8);
  color: var(--navy-900, #0a1830);
  text-decoration: none;
  overflow: hidden;
  transition: background 0.2s ease, color 0.2s ease;
}
.hop-page .hop-links__card:last-child { border-inline-end: 0; }
.hop-page .hop-links__ico {
  width: min(64px, 48%);
  height: auto;
  aspect-ratio: 1;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--gold, #a57347);
  position: relative;
  z-index: 1;
}
.hop-page .hop-links__num {
  position: absolute;
  top: 6px;
  inset-inline-end: 8px;
  font-size: 26px;
  font-weight: 700;
  line-height: 0.85;
  color: transparent;
  -webkit-text-stroke: 1.5px rgba(10, 24, 48, 0.22);
  pointer-events: none;
  user-select: none;
}
.hop-page .hop-links__title {
  position: relative;
  z-index: 1;
  margin: 8px 0 2px;
  font-size: 13px;
  font-weight: 700;
  line-height: 1.25;
  color: var(--navy-900, #0a1830);
}
.hop-page .hop-links__line {
  position: relative;
  z-index: 1;
  margin: 0;
  font-size: 11px;
  font-weight: 500;
  line-height: 1.25;
  color: var(--muted, #475569);
}
.hop-page .hop-links__card:hover,
.hop-page .hop-links__card:focus-visible {
  background: var(--navy-900, #0a1830);
  outline: none;
}
.hop-page .hop-links__card:hover .hop-links__title,
.hop-page .hop-links__card:focus-visible .hop-links__title,
.hop-page .hop-links__card:hover .hop-links__line,
.hop-page .hop-links__card:focus-visible .hop-links__line { color: #fff; }
.hop-page .hop-links__card:hover .hop-links__num,
.hop-page .hop-links__card:focus-visible .hop-links__num {
  -webkit-text-stroke: 1.5px var(--gold, #a57347);
}

/* Stage enter: text and pictures rise once when they reach the screen. */
.hop-page [data-hop-in] {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity .65s ease, transform .65s ease;
}
.hop-page [data-hop-in="late"] { transition-delay: .16s; }
.hop-page [data-hop-in].is-in,
.hop-page .hop-hero .page-hero__bg[data-hop-in].is-in {
  opacity: 1;
  transform: none;
}
.hop-page .hop-hero .page-hero__bg[data-hop-in]:not(.is-in) {
  transform: translateY(28px);
}
.hop-page .hop-step {
  opacity: 0;
  transform: translateY(14px);
}
.hop-page .hop-step.is-in {
  opacity: 1;
  transform: none;
  transition: opacity .45s ease, transform .45s ease;
}

@media (prefers-reduced-motion: reduce) {
  body.hop-page::before {
    transform: none;
    transition: none;
  }
  .hop-page [data-hop-in],
  .hop-page .hop-step {
    opacity: 1 !important;
    transform: none !important;
    transition: none !important;
  }
}
@media (max-width: 1680px) {
  .hop-page .hop-calc-stage {
    width: 100%;
    left: auto;
    transform: none;
  }
  .hop-page .hop-calc-row {
    flex-direction: column;
    width: 100%;
  }
  .hop-page .hop-quotes {
    flex: none;
    width: 100%;
  }
  .hop-page .hop-calc-main,
  .hop-page .hop-hint {
    flex: none;
    width: 100%;
  }
  .hop-page .hop-quotes {
    flex: none;
    width: 100%;
    min-width: 0;
  }
  .hop-page .hop-quote {
    flex: none;
  }
}
@media (max-width: 1200px) {
  .hop-page .hop-flow { grid-template-columns: repeat(3, minmax(0, 1fr)); row-gap: 28px; }
}
@media (max-width: 900px) {
  .hop-page .hop-band { padding: 28px 0; }
  .hop-page .section.home-calc { padding: 28px 0; }
  .hop-page .hop-split,
  .hop-page .hop-plans--3,
  .hop-page .hop-plans--2 {
    grid-template-columns: 1fr;
  }
  .hop-page #calculator > .container.home-calc__inner {
    max-width: var(--maxw, 1180px);
    width: 100%;
    margin-left: auto;
    margin-right: auto;
    padding-right: 24px;
  }
  .hop-page .hop-calc-row {
    flex-direction: column;
  }
  .hop-page .hop-plans--3 .hop-plan,
  .hop-page .hop-plans--2 .hop-plan {
    border: 1px solid rgba(15, 31, 53, 0.06);
  }
  .hop-page .hop-plans--4 {
    grid-template-columns: 1fr;
    width: 100%;
    max-width: none;
    margin-left: 0;
  }
  .hop-page .hop-plans--4 .hop-plan {
    border: 0;
    border-bottom: 1px solid var(--line, #d8dee8);
    border-inline-end: 0;
  }
  .hop-page .hop-plans--4 .hop-plan:last-child { border-bottom: 0; }
  .hop-page .hop-flow { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .hop-page .hop-flow__item--down .hop-flow__top { margin-top: 28px; }
  .hop-page .hop-hero h1 { max-width: 18ch; }
  .hop-page .hop-when__visual,
  .hop-page .hop-when__visual-copy { min-height: 380px; }
  .hop-page .hop-links-band { padding: 0; }
}
@media (max-width: 1100px) {
  .hop-page .hop-links { grid-template-columns: repeat(4, minmax(0, 1fr)); }
  .hop-page .hop-links__card { border-bottom: 1px solid var(--line, #d8dee8); min-height: 0; }
  .hop-page .hop-links__card:nth-child(4n) { border-inline-end: 0; }
}
@media (max-width: 640px) {
  .hop-page .hop-links { grid-template-columns: 1fr 1fr; }
  .hop-page .hop-links__card:nth-child(4n) { border-inline-end: 1px solid var(--line, #d8dee8); }
  .hop-page .hop-links__card:nth-child(2n) { border-inline-end: 0; }
  .hop-page .hop-flow { grid-template-columns: 1fr; }
  .hop-page .hop-flow__item--down .hop-flow__top { margin-top: 0; }
  .hop-page .hop-flow__arrow { max-width: 220px; }
  .hop-page .hop-sol__card { padding: 18px 10px 22px; }
  .hop-page .hop-sol h3 { font-size: 14px; }
  .hop-page .hop-sol__num { font-size: 42px; }
}

/* Spoke calculators (refinance, equity) sit in the handover stage. Math unchanged. */
.hop-page .hop-spoke-calc {
  background: #fff;
  border: 1px solid var(--hop-line, #e8dfd5);
  border-radius: 12px;
  padding: 22px 24px 18px;
  box-sizing: border-box;
}
.hop-page .hop-spoke-calc .mova-widget__head h3 {
  margin: 0 0 14px;
  font-size: 18px;
  color: var(--hop-ink, #1b2a4a);
}
.hop-page .hop-spoke-calc .field { margin: 0 0 14px; }
.hop-page .hop-spoke-calc .field-top {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 6px;
  font-size: 13px;
  color: var(--hop-ink, #1b2a4a);
}
.hop-page .hop-spoke-calc .calc-result-row {
  display: flex;
  gap: 10px;
  margin-top: 8px;
}
.hop-page .hop-spoke-calc .calc-result-box {
  flex: 1;
  background: #f7f4ee;
  border-radius: 8px;
  padding: 10px 12px;
  font-size: 12px;
}
.hop-page .hop-spoke-calc .calc-result-box strong { display: block; font-size: 16px; margin-top: 4px; }
.hop-page .hop-spoke-calc .calc-highlight {
  margin-top: 12px;
  font-size: 14px;
  color: var(--hop-ink, #1b2a4a);
}