/* ============================================================
   Universal Mortgage Enquiry Site — style.css
   Colours: navy #0f2a5f | dark-navy #081b3f | gold #d8b35a
            bg #f6f8fc | white #fff | text #111827 | muted #5f6b7a
   ============================================================ */

/* --- Reset & base ----------------------------------------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:    #0f2a5f;
  --dark:    #081b3f;
  --gold:    #d8b35a;
  --bg:      #f6f8fc;
  --white:   #ffffff;
  --text:    #111827;
  --muted:   #5f6b7a;
  --border:  #dde3ef;
  --radius:  10px;
  --shadow:  0 2px 12px rgba(15,42,95,.10);
  --shadow-md: 0 4px 24px rgba(15,42,95,.14);
  --font: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
}

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font);
  background: var(--bg);
  color: var(--text);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

/* --- Utilities -------------------------------------------- */
.container {
  width: 100%;
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 20px;
}

.section { padding: 72px 0; }
.section--alt { background: var(--white); }
.section--dark { background: var(--navy); color: var(--white); }

.section-label {
  display: inline-block;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}

.section-title {
  font-size: clamp(1.5rem, 4vw, 2.1rem);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.25;
  margin-bottom: 16px;
}

.section--dark .section-title { color: var(--white); }

.section-subtitle {
  font-size: 1.05rem;
  color: var(--muted);
  max-width: 640px;
  margin-bottom: 48px;
}

.section--dark .section-subtitle { color: rgba(255,255,255,.75); }

/* --- Buttons --------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 26px;
  border-radius: var(--radius);
  font-size: .95rem;
  font-weight: 600;
  cursor: pointer;
  border: 2px solid transparent;
  transition: background .18s, color .18s, border-color .18s, transform .12s;
  text-decoration: none;
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: none; }

.btn-primary {
  background: var(--gold);
  color: var(--dark);
  border-color: var(--gold);
}
.btn-primary:hover { background: #c9a24c; border-color: #c9a24c; }

.btn-outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline:hover { background: var(--navy); color: var(--white); }

.btn-outline-white {
  background: transparent;
  color: var(--white);
  border-color: var(--white);
}
.btn-outline-white:hover { background: var(--white); color: var(--navy); }

/* --- Header ---------------------------------------------- */
.site-header {
  background: var(--dark);
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 2px solid var(--gold);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 20px;
  max-width: 1140px;
  margin: 0 auto;
  height: 66px;
}

.brand {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: -.01em;
  line-height: 1.2;
}
.brand span { color: var(--gold); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 6px;
}

.nav-links a {
  color: rgba(255,255,255,.82);
  font-size: .88rem;
  font-weight: 500;
  padding: 6px 12px;
  border-radius: 6px;
  transition: color .15s, background .15s;
}
.nav-links a:hover { color: var(--white); background: rgba(255,255,255,.08); }

.nav-links .nav-cta {
  background: var(--gold);
  color: var(--dark);
  font-weight: 700;
  padding: 7px 16px;
}
.nav-links .nav-cta:hover { background: #c9a24c; }

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 38px;
  height: 38px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
  border-radius: 6px;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: transform .25s, opacity .25s;
}
.hamburger[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.hamburger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-nav {
  display: none;
  background: var(--dark);
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 12px 20px 20px;
}
.mobile-nav.open { display: block; }
.mobile-nav a {
  display: block;
  color: rgba(255,255,255,.85);
  font-size: .95rem;
  font-weight: 500;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255,255,255,.06);
}
.mobile-nav a:last-child { border-bottom: none; }
.mobile-nav .nav-cta-mobile {
  display: block;
  text-align: center;
  margin-top: 12px;
  background: var(--gold);
  color: var(--dark);
  font-weight: 700;
  padding: 12px;
  border-radius: var(--radius);
  border: none;
}

/* --- Hero ------------------------------------------------ */
.hero {
  background: linear-gradient(135deg, var(--dark) 0%, var(--navy) 100%);
  padding: 80px 0 72px;
  color: var(--white);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}

.hero-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
  background: rgba(216,179,90,.12);
  padding: 6px 14px;
  border-radius: 50px;
  border: 1px solid rgba(216,179,90,.3);
}

.hero h1 {
  font-size: clamp(1.8rem, 5vw, 2.75rem);
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: 20px;
  letter-spacing: -.02em;
}

.hero-sub {
  font-size: 1.05rem;
  color: rgba(255,255,255,.8);
  margin-bottom: 14px;
  max-width: 520px;
}

.hero-desc {
  font-size: .93rem;
  color: rgba(255,255,255,.6);
  margin-bottom: 36px;
  max-width: 500px;
}

.hero-btns { display: flex; gap: 12px; flex-wrap: wrap; }

/* Hero card */
.hero-card {
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.14);
  border-radius: 14px;
  padding: 32px 28px;
  backdrop-filter: blur(8px);
}
.hero-card h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--gold);
  margin-bottom: 20px;
  text-transform: uppercase;
  letter-spacing: .08em;
}
.hero-card ul { display: flex; flex-direction: column; gap: 10px; }
.hero-card li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: .95rem;
  color: rgba(255,255,255,.88);
}
.hero-card li::before {
  content: '';
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gold);
  flex-shrink: 0;
}

/* --- Trust strip ----------------------------------------- */
.trust-strip {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  padding: 28px 0;
}
.trust-inner {
  display: flex;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 20px;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: .88rem;
  font-weight: 600;
  color: var(--navy);
}
.trust-icon {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: rgba(15,42,95,.08);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  flex-shrink: 0;
}

/* --- Intro ----------------------------------------------- */
.intro-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}
.intro-text p {
  color: var(--muted);
  font-size: .97rem;
  margin-bottom: 24px;
}
.intro-stat {
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.stat-card {
  background: var(--bg);
  border: 1px solid var(--border);
  border-left: 4px solid var(--gold);
  border-radius: var(--radius);
  padding: 18px 20px;
}
.stat-card strong { display: block; font-size: 1.05rem; color: var(--navy); margin-bottom: 4px; }
.stat-card span { font-size: .88rem; color: var(--muted); }

/* --- Services grid --------------------------------------- */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(252px, 1fr));
  gap: 22px;
}

.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 28px 24px;
  box-shadow: var(--shadow);
  display: flex;
  flex-direction: column;
  transition: box-shadow .18s, transform .18s;
}
.service-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }

.service-icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: rgba(15,42,95,.07);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
  color: var(--navy);
}
.service-card h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}
.service-card p {
  font-size: .88rem;
  color: var(--muted);
  flex: 1;
  margin-bottom: 20px;
  line-height: 1.6;
}
.service-card .btn { font-size: .83rem; padding: 9px 18px; align-self: flex-start; }

/* --- Bridging section ------------------------------------ */
.bridging-inner {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 56px;
  align-items: start;
}
.bridging-copy p {
  color: rgba(255,255,255,.75);
  font-size: .96rem;
  margin-bottom: 20px;
  line-height: 1.7;
}
.bridging-items {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 32px;
}
.bridging-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: .93rem;
  color: rgba(255,255,255,.85);
}
.bridging-item::before {
  content: '';
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--gold);
  flex-shrink: 0;
}
.bridging-side {
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.14);
  border-radius: 14px;
  padding: 30px 26px;
}
.bridging-side h4 {
  font-size: .82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--gold);
  margin-bottom: 18px;
}
.bridging-note {
  font-size: .83rem;
  color: rgba(255,255,255,.55);
  line-height: 1.6;
  margin-top: 16px;
}

/* --- How it works --------------------------------------- */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 28px;
}
.step-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 28px 22px;
  position: relative;
  box-shadow: var(--shadow);
}
.step-num {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-weight: 800;
  font-size: .95rem;
  margin-bottom: 18px;
}
.step-card h3 { font-size: .97rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.step-card p { font-size: .87rem; color: var(--muted); line-height: 1.6; }

/* --- Why enquire --------------------------------------- */
.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 22px;
}
.why-card {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 26px 22px;
}
.why-card h3 { font-size: .97rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.why-card p { font-size: .87rem; color: var(--muted); line-height: 1.6; }

/* --- Local section --------------------------------------- */
.local-box {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 40px 40px;
  box-shadow: var(--shadow);
  max-width: 860px;
  margin: 0 auto;
}
.local-box h2 {
  font-size: clamp(1.2rem, 3vw, 1.65rem);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 16px;
}
.local-box p {
  font-size: .95rem;
  color: var(--muted);
  line-height: 1.7;
  margin-bottom: 16px;
}

/* --- FAQ ----------------------------------------------- */
.faq-list {
  max-width: 780px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
}
.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  padding: 18px 22px;
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  font-size: .95rem;
  font-weight: 600;
  color: var(--navy);
}
.faq-question svg { flex-shrink: 0; transition: transform .25s; }
.faq-question[aria-expanded="true"] svg { transform: rotate(180deg); }
.faq-answer {
  display: none;
  padding: 0 22px 18px;
  font-size: .9rem;
  color: var(--muted);
  line-height: 1.7;
}
.faq-answer.open { display: block; }

/* --- CTA section ---------------------------------------- */
.cta-section {
  background: linear-gradient(135deg, var(--dark) 0%, var(--navy) 100%);
  padding: 80px 0;
  text-align: center;
  color: var(--white);
}
.cta-section h2 {
  font-size: clamp(1.5rem, 4vw, 2.2rem);
  font-weight: 800;
  margin-bottom: 14px;
}
.cta-section p {
  font-size: .97rem;
  color: rgba(255,255,255,.72);
  max-width: 560px;
  margin: 0 auto 36px;
}

/* --- Footer --------------------------------------------- */
.site-footer {
  background: var(--dark);
  color: var(--white);
  padding: 56px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 48px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.footer-brand-name {
  font-size: 1rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 10px;
}
.footer-brand-desc {
  font-size: .87rem;
  color: rgba(255,255,255,.55);
  max-width: 380px;
  line-height: 1.65;
}
.footer-links-heading {
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}
.footer-links {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer-links a {
  color: rgba(255,255,255,.7);
  font-size: .88rem;
  transition: color .15s;
}
.footer-links a:hover { color: var(--white); }

.footer-compliance {
  padding: 28px 0;
  border-bottom: 1px solid rgba(255,255,255,.06);
}
.footer-compliance p {
  font-size: .8rem;
  color: rgba(255,255,255,.45);
  line-height: 1.7;
  max-width: 900px;
}
.footer-compliance p + p { margin-top: 10px; }

.footer-bottom {
  padding: 18px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px;
}
.footer-copy {
  font-size: .82rem;
  color: rgba(255,255,255,.35);
}

/* --- Legal page content --------------------------------- */
.legal-hero {
  background: linear-gradient(135deg, var(--dark) 0%, var(--navy) 100%);
  padding: 48px 0;
  color: var(--white);
}
.legal-hero h1 { font-size: clamp(1.5rem, 4vw, 2.1rem); font-weight: 700; margin-bottom: 8px; }
.legal-hero p { font-size: .93rem; color: rgba(255,255,255,.65); }

.legal-body {
  max-width: 780px;
  margin: 0 auto;
  padding: 56px 20px 80px;
}
.legal-body h2 {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--navy);
  margin: 36px 0 12px;
}
.legal-body h2:first-child { margin-top: 0; }
.legal-body p {
  font-size: .93rem;
  color: var(--muted);
  line-height: 1.75;
  margin-bottom: 14px;
}
.legal-body ul {
  list-style: disc;
  padding-left: 22px;
  margin-bottom: 14px;
}
.legal-body li {
  font-size: .93rem;
  color: var(--muted);
  line-height: 1.65;
  margin-bottom: 6px;
}
.legal-meta {
  font-size: .82rem;
  color: var(--muted);
  margin-bottom: 36px;
  padding-bottom: 24px;
  border-bottom: 1px solid var(--border);
}

/* --- 404 page ------------------------------------------- */
.error-page {
  min-height: 60vh;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 80px 20px;
}
.error-code {
  font-size: 6rem;
  font-weight: 800;
  color: var(--navy);
  opacity: .12;
  line-height: 1;
  margin-bottom: 16px;
}
.error-page h1 { font-size: 1.6rem; color: var(--navy); margin-bottom: 12px; }
.error-page p { font-size: .95rem; color: var(--muted); margin-bottom: 28px; }

/* --- Responsive ----------------------------------------- */
@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; gap: 36px; }
  .hero-card { display: none; }
  .intro-grid { grid-template-columns: 1fr; }
  .bridging-inner { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
}

@media (max-width: 700px) {
  .section { padding: 52px 0; }
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .local-box { padding: 28px 20px; }
  .trust-inner { gap: 20px; }
}