/* ============================================================
   SERVICE PAGE STYLESHEET
   ============================================================
   Used by all service pages — reverse mortgage, lending,
   selling, buying, and individual loan-type pages.
   ============================================================ */

/* ===== BREADCRUMB ===== */
.breadcrumb {
  background: var(--cream-dark);
  padding: var(--space-1) 0;
  font-size: var(--fs-sm);
  border-bottom: 1px solid var(--rule);
}

.breadcrumb ol {
  display: flex;
  list-style: none;
  gap: var(--space-1);
  align-items: center;
  flex-wrap: wrap;
}

.breadcrumb li {
  color: var(--ink-500);
}

.breadcrumb li:not(:last-child)::after {
  content: '/';
  margin-left: var(--space-1);
  color: var(--ink-300);
}

.breadcrumb a {
  color: var(--ink-700);
  text-decoration: none !important;
}

.breadcrumb a:hover {
  color: var(--gold-700);
}

.breadcrumb [aria-current="page"] {
  color: var(--ink-900);
  font-weight: 500;
}

/* ===== HERO VARIANT ===== */
.hero--service {
  padding: var(--space-10) 0 var(--space-12);
}

/* ===== KEY POINTS ===== */
.key-points {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: var(--space-4);
}

.key-point {
  display: flex;
  gap: var(--space-2);
  align-items: flex-start;
}

.key-point__icon {
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  background: var(--gold-100);
  color: var(--gold-700);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
}

.key-point__icon svg {
  width: 24px;
  height: 24px;
}

.key-point h3 {
  font-size: var(--fs-lg);
  margin-bottom: 0.4rem;
}

.key-point p {
  font-size: var(--fs-sm);
  color: var(--ink-700);
  line-height: 1.6;
  margin: 0;
}

/* ===== CALCULATOR ===== */
.calculator {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: var(--space-4);
  background: var(--white);
  border: 1px solid var(--rule);
  border-radius: var(--radius-lg);
  padding: var(--space-5);
  box-shadow: var(--shadow-md);
}

.calculator__form {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}

.calculator__field {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.calculator__field label {
  font-size: var(--fs-sm);
  font-weight: 600;
  color: var(--navy-800);
  letter-spacing: -0.01em;
}

.calculator__hint {
  font-size: var(--fs-xs);
  color: var(--ink-500);
  margin: 0;
  line-height: 1.5;
}

/* Slider */
.calculator__slider-wrap {
  position: relative;
  display: flex;
  align-items: center;
  gap: var(--space-2);
  padding: 0.875rem 0;
}

.calculator__slider {
  flex: 1;
  -webkit-appearance: none;
  appearance: none;
  height: 6px;
  background: var(--rule);
  border-radius: var(--radius-full);
  outline: none;
  margin: 0;
}

.calculator__slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 24px;
  height: 24px;
  background: var(--gold-600);
  border: 3px solid var(--white);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-fast);
}

.calculator__slider::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}

.calculator__slider::-moz-range-thumb {
  width: 24px;
  height: 24px;
  background: var(--gold-600);
  border: 3px solid var(--white);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: var(--shadow-sm);
}

.calculator__slider-value {
  min-width: 90px;
  text-align: right;
  font-weight: 600;
  color: var(--navy-800);
  font-size: var(--fs-base);
  font-variant-numeric: tabular-nums;
}

/* Currency input */
.calculator__input-wrap {
  position: relative;
  display: flex;
  align-items: center;
}

.calculator__input-prefix {
  position: absolute;
  left: 1rem;
  font-weight: 600;
  color: var(--ink-500);
  pointer-events: none;
}

.calculator__input {
  width: 100%;
  padding: 0.875rem 1rem 0.875rem 2rem;
  border: 1.5px solid var(--rule);
  border-radius: var(--radius-md);
  font-size: var(--fs-base);
  font-weight: 500;
  color: var(--navy-800);
  background: var(--cream);
  transition: all var(--transition-fast);
  font-variant-numeric: tabular-nums;
}

.calculator__input:focus {
  outline: none;
  border-color: var(--gold-600);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(212, 161, 74, 0.15);
}

/* Result panel */
.calculator__result {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-800));
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: var(--space-4);
  display: flex;
  flex-direction: column;
  position: relative;
  overflow: hidden;
}

.calculator__result::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -30%;
  width: 300px;
  height: 300px;
  background: radial-gradient(circle, rgba(212, 161, 74, 0.18) 0%, transparent 70%);
  pointer-events: none;
}

.calculator__result-eyebrow {
  position: relative;
  font-size: var(--fs-xs);
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold-500);
  margin-bottom: var(--space-1);
}

.calculator__result-value {
  position: relative;
  font-family: var(--font-display);
  font-size: clamp(var(--fs-3xl), 5vw, var(--fs-5xl));
  font-weight: 600;
  line-height: 1;
  letter-spacing: -0.03em;
  margin-bottom: 0.5rem;
  font-variant-numeric: tabular-nums;
}

.calculator__result-label {
  position: relative;
  font-size: var(--fs-sm);
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: var(--space-3);
}

.calculator__breakdown {
  position: relative;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  padding-top: var(--space-2);
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.calculator__breakdown-row {
  display: flex;
  justify-content: space-between;
  font-size: var(--fs-sm);
  color: rgba(255, 255, 255, 0.85);
  font-variant-numeric: tabular-nums;
}

.calculator__breakdown-row span:last-child {
  color: var(--white);
  font-weight: 600;
}

.calculator__disclaimer {
  position: relative;
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.6);
  line-height: 1.5;
  margin-top: var(--space-2);
  margin-bottom: 0;
}

/* ===== PROCESS STEPS ===== */
.process {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
  counter-reset: none;
}

.process__step {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: var(--space-3);
  align-items: flex-start;
  position: relative;
  padding-left: 0;
}

.process__step:not(:last-child)::after {
  content: '';
  position: absolute;
  left: 27px;
  top: 64px;
  bottom: -32px;
  width: 2px;
  background: var(--rule);
}

.process__number {
  width: 56px;
  height: 56px;
  background: var(--navy-800);
  color: var(--gold-500);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: var(--fs-xl);
  font-weight: 600;
  flex-shrink: 0;
  z-index: 1;
  box-shadow: 0 0 0 4px var(--cream);
}

.process__body {
  padding-top: 0.75rem;
}

.process__body h3 {
  margin-bottom: 0.5rem;
  font-size: var(--fs-xl);
}

.process__body p {
  color: var(--ink-700);
  margin: 0;
}

/* ===== PROS & CONS ===== */
.pros-cons {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-4);
}

.pros-cons__column {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: var(--space-5);
  border: 1px solid var(--rule);
}

.pros-cons__column--pros {
  border-top: 4px solid var(--green-600);
}

.pros-cons__column--cons {
  border-top: 4px solid var(--gold-600);
}

.pros-cons__column h3 {
  font-size: var(--fs-xl);
  margin-bottom: var(--space-3);
}

.pros-cons__list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}

.pros-cons__list li {
  padding-left: 1.75rem;
  position: relative;
  font-size: var(--fs-base);
  line-height: 1.6;
  color: var(--ink-900);
}

.pros-cons__column--pros .pros-cons__list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  top: 0;
  color: var(--green-600);
  font-weight: 700;
  font-size: var(--fs-lg);
}

.pros-cons__column--cons .pros-cons__list li::before {
  content: '!';
  position: absolute;
  left: 0;
  top: 0;
  width: 20px;
  height: 20px;
  background: var(--gold-600);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  font-weight: 700;
  margin-top: 4px;
}

/* ===== CALLOUT ===== */
.callout {
  border-radius: var(--radius-lg);
  padding: var(--space-3) var(--space-4);
  border-left: 4px solid var(--gold-600);
  background: var(--gold-100);
}

.callout--navy {
  background: var(--navy-900);
  color: var(--white);
  border-left-color: var(--gold-500);
}

.callout p {
  margin: 0;
  font-size: var(--fs-base);
  line-height: 1.65;
}

.callout--navy strong {
  color: var(--gold-500);
}

/* ===== FAQ ===== */
.faq {
  display: flex;
  flex-direction: column;
  gap: 0;
  border-top: 1px solid var(--rule);
}

.faq__item {
  border-bottom: 1px solid var(--rule);
}

.faq__question {
  padding: var(--space-3) 0;
  font-family: var(--font-display);
  font-size: var(--fs-lg);
  font-weight: 600;
  color: var(--navy-800);
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: var(--space-2);
  transition: color var(--transition-fast);
  position: relative;
}

.faq__question::-webkit-details-marker {
  display: none;
}

.faq__question::after {
  content: '+';
  font-family: var(--font-body);
  font-size: var(--fs-2xl);
  font-weight: 300;
  color: var(--gold-600);
  transition: transform var(--transition-base);
  flex-shrink: 0;
  line-height: 1;
}

.faq__item[open] .faq__question::after {
  transform: rotate(45deg);
}

.faq__question:hover {
  color: var(--gold-700);
}

.faq__answer {
  padding-bottom: var(--space-3);
  color: var(--ink-700);
  line-height: 1.7;
}

.faq__answer p {
  margin-bottom: var(--space-2);
}

.faq__answer p:last-child {
  margin-bottom: 0;
}

.faq__answer ul {
  margin: var(--space-2) 0;
  padding-left: 1.5rem;
}

.faq__answer ul li {
  margin-bottom: 0.5rem;
}

/* ===== FEATURED TESTIMONIAL ===== */
.featured-testimonial {
  text-align: center;
  position: relative;
  padding: var(--space-4) 0;
}

.featured-testimonial__stars {
  font-size: var(--fs-2xl);
  color: var(--gold-500);
  letter-spacing: 0.15em;
  margin-bottom: var(--space-3);
}

.featured-testimonial__quote {
  font-family: var(--font-display);
  font-size: clamp(var(--fs-xl), 2.5vw, var(--fs-3xl));
  font-style: italic;
  line-height: 1.45;
  color: var(--white);
  margin-bottom: var(--space-3);
  font-weight: 500;
}

.featured-testimonial__attribution {
  font-size: var(--fs-sm);
  color: rgba(255, 255, 255, 0.7);
  letter-spacing: 0.05em;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 960px) {
  .calculator {
    grid-template-columns: 1fr;
    padding: var(--space-3);
  }

  .pros-cons {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 720px) {
  .key-points {
    grid-template-columns: 1fr;
  }

  .process__step:not(:last-child)::after {
    left: 23px;
    top: 56px;
  }

  .process__number {
    width: 48px;
    height: 48px;
    font-size: var(--fs-lg);
  }

  .process__body {
    padding-top: 0.5rem;
  }

  .pros-cons__column {
    padding: var(--space-3);
  }
}