/* ==========================================================================
   Foroughi | mortgages — editorial system for service + blog pages
   Loads AFTER tw.css. tw.css keeps styling the shared chrome (top bar,
   header, menu overlay, footer, callback panel); everything inside <main>
   on service/blog pages is styled here with semantic classes.

   Principles: sans-serif display headings (Inter), tight tracking,
   high-contrast ink on white/off-white, hairline dividers, asymmetric
   two-column rows on desktop, single column on mobile. WCAG-AA text
   colours throughout (small text never lighter than --ink-3).
   ========================================================================== */

/* Display typography follows a Swiss-grotesque model: a single family, every
   heading at weight 400, hierarchy carried by size alone, and very tight
   leading (~1.0–1.05). Body copy deliberately keeps a normal 1.6 line-height —
   this audience often reads mortgage terms in a second language, and crushed
   leading measurably slows sustained reading. */
:root {
  --paper: #ffffff;
  --paper-2: #faf9f7;      /* warm off-white section alternate */
  --ink: #111111;
  --ink-2: #454340;        /* secondary body text  ~9.5:1 on paper */
  --ink-3: #6b6660;        /* captions, kickers    ~5.3:1 on paper */
  --accent: #8f6347;       /* brand brown — large text, rules, hovers */
  --accent-deep: #6e4b33;  /* brand brown darkened for small text ~6.4:1 */
  --teal-deep: #2e5f6c;    /* darkened brand teal — bands, ~6:1 w/ white */
  --line: #e8e4df;         /* hairline divider */
  --line-strong: #d8d2cb;
  --measure: 62ch;
  --pad-x: clamp(20px, 5vw, 64px);
  --sec-y: clamp(56px, 9vw, 120px);
  --ease: cubic-bezier(0.22, 0.8, 0.2, 1);
}

/* ---- base inside service/blog main ------------------------------------ */

.svc-page main {
  background: var(--paper);
  color: var(--ink);
}

.svc-wrap {
  max-width: 1180px;
  margin-inline: auto;
  padding-inline: var(--pad-x);
}

.svc-page h1,
.svc-page h2,
.svc-page h3 {
  font-family: "Inter", "Helvetica Neue", Helvetica, system-ui, sans-serif;
  font-weight: 400;         /* hierarchy comes from size, not weight */
  letter-spacing: -0.018em; /* Inter needs a touch of tightening at display size */
  line-height: 1.03;
  color: var(--ink);
  text-wrap: balance;
}

.svc-page main a:not([class]) {
  color: var(--accent-deep);
  text-decoration: underline;
  text-underline-offset: 3px;
  text-decoration-color: rgba(143, 99, 71, 0.4);
  transition: text-decoration-color 0.2s ease;
}

.svc-page main a:not([class]):hover {
  text-decoration-color: var(--accent-deep);
}

/* ---- shared type ------------------------------------------------------- */

.svc-kicker {
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  color: var(--accent-deep);
  margin-bottom: 18px;
}

.svc-body p,
.svc-body li {
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink-2);
  max-width: var(--measure);
}

.svc-body p + p {
  margin-top: 14px;
}

.svc-body strong {
  color: var(--ink);
  font-weight: 600;
}

.svc-body ul {
  list-style: none;
  padding: 0;
  margin: 18px 0 0;
}

.svc-body ul li {
  position: relative;
  padding-left: 22px;
  margin-bottom: 10px;
}

.svc-body ul li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.65em;
  width: 10px;
  height: 2px;
  background: var(--accent);
}

/* definition inline: <span class="svc-def">term</span> styled softly */
.svc-def {
  border-bottom: 1px dashed var(--line-strong);
}

/* ---- hero (full-bleed topic video) -------------------------------------- */

.svc-hero {
  position: relative;
  overflow: hidden;
  min-height: clamp(460px, 70svh, 660px);
  display: flex;
  align-items: flex-end;
  background: #12161a;
}

/* the video only autoplays on desktop (js/sub.js, .band-video); the poster
   image shows on mobile, on reduced-motion, and before the clip loads */
.svc-hero-video {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  z-index: 0;
}

/* Two stacked scrims: a vertical one for overall legibility, plus a stronger
   left-side wash so the left-aligned copy stays readable over bright or busy
   video frames (WCAG contrast holds regardless of which frame is on screen). */
.svc-hero::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 1;
  background:
    linear-gradient(
      90deg,
      rgba(10, 13, 15, 0.82) 0%,
      rgba(10, 13, 15, 0.66) 42%,
      rgba(10, 13, 15, 0.22) 78%,
      rgba(10, 13, 15, 0.12) 100%
    ),
    linear-gradient(
      180deg,
      rgba(10, 13, 15, 0.34) 0%,
      rgba(10, 13, 15, 0.42) 52%,
      rgba(10, 13, 15, 0.72) 100%
    );
}

@media (max-width: 860px) {
  /* narrow screens: copy spans the full width, so favour the vertical wash */
  .svc-hero::after {
    background:
      linear-gradient(
        90deg,
        rgba(10, 13, 15, 0.72) 0%,
        rgba(10, 13, 15, 0.58) 100%
      ),
      linear-gradient(
        180deg,
        rgba(10, 13, 15, 0.36) 0%,
        rgba(10, 13, 15, 0.5) 52%,
        rgba(10, 13, 15, 0.78) 100%
      );
  }
}

.svc-hero .svc-wrap {
  position: relative;
  z-index: 2;
  width: 100%;
}

.svc-hero-inner {
  max-width: 720px;
  padding-block: clamp(40px, 6vw, 84px);
}

.svc-hero .svc-kicker {
  color: #f1c9a4;
}

.svc-hero h1 {
  color: #fff;
  font-size: clamp(40px, 7vw, 92px);
  font-weight: 400;
  line-height: 1.0;
  letter-spacing: -0.022em;
  margin: 0 0 24px;
  text-shadow: 0 2px 30px rgba(0, 0, 0, 0.4);
}

.svc-lede {
  font-size: clamp(18px, 2.1vw, 27px);
  font-weight: 400;
  line-height: 1.16;
  letter-spacing: -0.012em;
  color: var(--ink-2);
  max-width: 46ch;
}

.svc-hero .svc-lede {
  color: rgba(255, 255, 255, 0.87);
  text-shadow: 0 1px 20px rgba(0, 0, 0, 0.35);
}

.svc-cta-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 14px 26px;
  margin-top: 34px;
}

.svc-phone {
  font-size: 15px;
  font-weight: 500;
  color: var(--ink-2);
  text-decoration: none;
  border-bottom: 1px solid var(--line-strong);
  padding-bottom: 2px;
  transition: color 0.2s ease, border-color 0.2s ease;
}

.svc-phone:hover {
  color: var(--accent-deep);
  border-color: var(--accent-deep);
}

.svc-hero .svc-phone {
  color: rgba(255, 255, 255, 0.82);
  border-color: rgba(255, 255, 255, 0.35);
}

.svc-hero .svc-phone:hover {
  color: #fff;
  border-color: #fff;
}

/* ---- at a glance -------------------------------------------------------- */

.svc-glance {
  background: var(--paper-2);
  border-bottom: 1px solid var(--line);
}

.svc-glance-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 0;
  padding-block: 8px;
}

.svc-glance-grid > div {
  padding: 26px 28px 26px 0;
  margin-right: 28px;
  border-right: 1px solid var(--line);
}

.svc-glance-grid > div:last-child {
  border-right: 0;
  margin-right: 0;
}

.svc-glance h3 {
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--ink-3);
  margin: 0 0 8px;
}

.svc-glance p {
  font-size: 18px;
  line-height: 1.3;
  letter-spacing: -0.01em;
  color: var(--ink);
  margin: 0;
}

/* ---- sections ------------------------------------------------------------ */

.svc-sec {
  padding-block: var(--sec-y);
  scroll-margin-top: 24px;
}

.svc-sec + .svc-sec {
  border-top: 1px solid var(--line);
}

.svc-sec--tint {
  background: var(--paper-2);
}

.svc-sec h2 {
  font-size: clamp(30px, 5vw, 64px);
  font-weight: 400;
  line-height: 1.02;
  letter-spacing: -0.02em;
  margin: 0 0 16px;
  max-width: 20ch;
}

.svc-sec-sub {
  font-size: clamp(17px, 1.5vw, 20px);
  line-height: 1.35;
  color: var(--ink-3);
  margin: 0 0 40px;
  max-width: 52ch;
}

/* asymmetric split: text ~7 / figure ~5, flips with .is-flipped */
.svc-split {
  display: grid;
  grid-template-columns: minmax(0, 7fr) minmax(0, 5fr);
  gap: clamp(32px, 5vw, 88px);
  align-items: start;
}

.svc-split figure {
  margin: 0;
  position: sticky;
  top: 32px;
}

.svc-split.is-flipped figure {
  order: -1;
}

.svc-split img {
  width: 100%;
  height: auto;
  aspect-ratio: 5 / 6;
  object-fit: cover;
  border-radius: 0;
  display: block;
}

.svc-split figcaption {
  margin-top: 10px;
  font-size: 12px;
  color: var(--ink-3);
}

/* narrow prose section */
.svc-prose {
  max-width: 760px;
}

/* ---- "What this means for you" / example boxes --------------------------- */

.svc-box {
  margin-top: 34px;
  max-width: 680px;
  background: var(--paper-2);
  border-left: 3px solid var(--accent);
  border-radius: 0 2px 2px 0;
  padding: 24px 28px;
}

.svc-sec--tint .svc-box {
  background: var(--paper);
}

.svc-box h3 {
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.13em;
  color: var(--accent-deep);
  margin: 0 0 12px;
}

.svc-box p,
.svc-box li {
  font-size: 15.5px;
  line-height: 1.6;
  color: var(--ink-2);
}

.svc-box p + p {
  margin-top: 10px;
}

/* ---- numbered steps ------------------------------------------------------- */

.svc-steps {
  list-style: none;
  margin: 34px 0 0;
  padding: 0;
  max-width: 760px;
  counter-reset: step;
  border-top: 1px solid var(--line);
}

.svc-steps li {
  counter-increment: step;
  display: grid;
  grid-template-columns: 56px minmax(0, 1fr);
  gap: 20px;
  padding: 22px 0;
  border-bottom: 1px solid var(--line);
}

.svc-steps li::before {
  content: "0" counter(step);
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0.06em;
  color: var(--accent-deep);
  padding-top: 3px;
}

.svc-steps h3 {
  font-size: 19px;
  font-weight: 500;
  line-height: 1.15;
  margin: 0 0 8px;
}

.svc-steps p {
  font-size: 15.5px;
  line-height: 1.6;
  color: var(--ink-2);
  margin: 0;
  max-width: 58ch;
}

/* ---- fact rows (costs, worked numbers) ------------------------------------- */

.svc-facts {
  margin-top: 30px;
  max-width: 620px;
  border-top: 1px solid var(--line-strong);
  border-bottom: 1px solid var(--line-strong);
}

.svc-facts > div {
  display: flex;
  justify-content: space-between;
  gap: 24px;
  padding: 12px 0;
  font-size: 15.5px;
  color: var(--ink-2);
  border-bottom: 1px solid var(--line);
}

.svc-facts > div:last-child {
  border-bottom: 0;
}

.svc-facts > div.is-total {
  color: var(--ink);
  font-weight: 600;
}

.svc-facts > div.is-total span:last-child {
  color: var(--accent-deep);
}

.svc-facts span:last-child {
  white-space: nowrap;
  text-align: right;
}

.svc-facts-note {
  margin-top: 12px;
  font-size: 13.5px;
  line-height: 1.55;
  color: var(--ink-3);
  max-width: 60ch;
}

/* ---- FAQ -------------------------------------------------------------------- */

.svc-faq {
  max-width: 760px;
}

.svc-faq details {
  border-bottom: 1px solid var(--line);
}

.svc-faq details:first-of-type {
  border-top: 1px solid var(--line);
}

.svc-faq summary {
  list-style: none;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 24px;
  padding: 24px 0;
  font-size: clamp(18px, 1.7vw, 23px);
  font-weight: 400;
  line-height: 1.12;
  letter-spacing: -0.015em;
}

.svc-faq summary::-webkit-details-marker {
  display: none;
}

.svc-faq summary::after {
  content: "+";
  flex: none;
  font-size: 22px;
  font-weight: 400;
  color: var(--accent-deep);
  transition: transform 0.25s var(--ease);
}

.svc-faq details[open] summary::after {
  transform: rotate(45deg);
}

.svc-faq details > div {
  padding: 0 0 22px;
}

.svc-faq details p {
  font-size: 15.5px;
  line-height: 1.65;
  color: var(--ink-2);
  max-width: 60ch;
}

.svc-faq details p + p {
  margin-top: 10px;
}

/* ---- CTA band ----------------------------------------------------------------- */

.svc-band {
  background: var(--teal-deep);
  color: #ffffff;
}

.svc-band .svc-wrap {
  padding-block: clamp(48px, 6vw, 84px);
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 28px 48px;
  align-items: center;
}

.svc-band h2 {
  color: #ffffff;
  font-size: clamp(28px, 4vw, 52px);
  font-weight: 400;
  line-height: 1.03;
  letter-spacing: -0.02em;
  margin: 0 0 14px;
  max-width: 22ch;
}

.svc-band p {
  color: rgba(255, 255, 255, 0.82);
  font-size: 16px;
  line-height: 1.6;
  margin: 0;
  max-width: 56ch;
}

.btn-solid {
  display: inline-block;
  background: #ffffff;
  color: var(--teal-deep);
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  padding: 16px 30px;
  border-radius: 2px;
  cursor: pointer;
  transition: opacity 0.25s ease;
}

.btn-solid:hover {
  opacity: 0.88;
}

/* ---- related links -------------------------------------------------------------- */

.svc-related {
  border-top: 1px solid var(--line);
  padding-block: clamp(44px, 6vw, 80px);
}

.svc-related-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(210px, 1fr));
  gap: 14px;
  margin-top: 28px;
}

.svc-related-grid a {
  display: flex;
  flex-direction: column;
  gap: 20px;
  justify-content: space-between;
  min-height: 120px;
  border: 1px solid var(--line-strong);
  border-radius: 2px;
  padding: 20px 22px;
  font-size: clamp(17px, 1.5vw, 21px);
  font-weight: 400;
  line-height: 1.1;
  letter-spacing: -0.015em;
  color: var(--ink);
  text-decoration: none;
  transition: border-color 0.25s ease, background 0.25s ease, color 0.25s ease;
}

.svc-related-grid a span:last-child {
  font-size: 13px;
  font-weight: 500;
  color: var(--accent-deep);
}

.svc-related-grid a:hover {
  background: var(--paper-2);
  border-color: var(--accent);
}

/* ---- blog ---------------------------------------------------------------------- */

.blog-article {
  max-width: 760px;
  margin-inline: auto;
  padding-block: clamp(48px, 7vw, 96px);
}

.blog-article h1 {
  font-size: clamp(32px, 5vw, 64px);
  font-weight: 400;
  line-height: 1.02;
  letter-spacing: -0.02em;
  margin: 0 0 18px;
}

.blog-meta {
  font-size: 13.5px;
  color: var(--ink-3);
  margin-bottom: 36px;
}

.blog-article h2 {
  font-size: clamp(24px, 2.8vw, 36px);
  font-weight: 400;
  line-height: 1.06;
  letter-spacing: -0.018em;
  margin: 52px 0 16px;
}

.blog-article h3 {
  font-size: 18px;
  font-weight: 600;
  margin: 28px 0 10px;
}

.blog-card {
  display: block;
  border: 1px solid var(--line-strong);
  border-radius: 2px;
  padding: 30px 32px;
  text-decoration: none;
  color: var(--ink);
  transition: border-color 0.25s ease, background 0.25s ease;
}

.blog-card:hover {
  background: var(--paper-2);
  border-color: var(--accent);
}

.blog-card h2 {
  font-size: clamp(22px, 2.4vw, 32px);
  font-weight: 400;
  line-height: 1.05;
  letter-spacing: -0.02em;
  margin: 8px 0 12px;
}

.blog-card p {
  font-size: 15.5px;
  line-height: 1.6;
  color: var(--ink-2);
  margin: 0;
  max-width: 64ch;
}

/* ================================================================================
   Responsive
   ================================================================================ */

@media (max-width: 860px) {
  .svc-split {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .svc-hero {
    min-height: clamp(420px, 74svh, 560px);
  }

  .svc-split figure {
    position: static;
  }

  .svc-split.is-flipped figure {
    order: 0;
  }

  .svc-glance-grid {
    grid-template-columns: 1fr;
  }

  .svc-glance-grid > div {
    border-right: 0;
    margin-right: 0;
    padding: 18px 0;
    border-bottom: 1px solid var(--line);
  }

  .svc-glance-grid > div:last-child {
    border-bottom: 0;
  }

  .svc-band .svc-wrap {
    grid-template-columns: 1fr;
  }

  .svc-steps li {
    grid-template-columns: 40px minmax(0, 1fr);
    gap: 14px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .svc-page *,
  .svc-page *::before,
  .svc-page *::after {
    transition-duration: 0.01ms !important;
    animation-duration: 0.01ms !important;
  }
}