/* Fast Financial — marketing site (UI kit) page-level layout.
 * Builds on the design-system tokens + component classes in ../../styles.css.
 * Only page composition lives here; primitives stay in the design system. */

.page { background: var(--color-bg); }
main { display: block; }

/* ---- Section heading block ---- */
.sec-head { max-width: 60ch; margin-bottom: var(--space-9); }
.sec-head--center { margin-inline: auto; text-align: center; }
.sec-head h2 { font-size: var(--display-sm); letter-spacing: var(--tracking-tight); }
.sec-head p { margin-top: var(--space-4); font-size: var(--text-lg); color: var(--text-muted); line-height: var(--leading-normal); }
.sec-head .ff-eyebrow { margin-bottom: var(--space-4); }

/* ---- Hero ---- */
.hero { position: relative; padding-block: clamp(3rem, 6vw, 5.5rem) clamp(3rem, 5vw, 4.5rem); overflow: hidden; }
.hero::before { content: ""; position: absolute; inset: 0; background:
  radial-gradient(60% 80% at 85% -10%, rgba(224,22,36,.07), transparent 60%),
  radial-gradient(50% 60% at 0% 0%, rgba(21,112,143,.05), transparent 60%); pointer-events: none; }
.hero__grid { position: relative; display: grid; grid-template-columns: 1.05fr 0.95fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: center; }
.hero h1 { font-size: var(--display-lg); font-weight: 800; letter-spacing: var(--tracking-tighter); line-height: 1.02; }
.hero h1 em { color: var(--brand); font-style: normal; }
.hero__lead { margin-top: var(--space-5); font-size: var(--text-xl); color: var(--text-body); line-height: var(--leading-normal); max-width: 46ch; }
.hero__cta { display: flex; flex-wrap: wrap; gap: var(--space-3); margin-top: var(--space-7); }
.hero__reassure { display: flex; align-items: center; gap: var(--space-3); margin-top: var(--space-5); font-size: var(--text-sm); color: var(--text-muted); font-weight: 500; }
.hero__reassure svg { width: 16px; height: 16px; color: var(--ff-positive); }

/* ---- Snapshot card (hero visual / data-forward) ---- */
.snap { background: var(--surface-card); border: 1px solid var(--border); border-radius: var(--radius-xl); box-shadow: var(--shadow-lg); overflow: hidden; }
.snap__head { padding: var(--space-5) var(--space-6); background:
  linear-gradient(135deg, #e8a24a 0%, #c2693a 55%, #8a3f2e 100%); color: #fff; position: relative; }
.snap__head::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, transparent, rgba(0,0,0,.18)); }
.snap__city { position: relative; font-size: var(--text-2xs); font-weight: 700; letter-spacing: var(--tracking-label); text-transform: uppercase; opacity: .9; }
.snap__title { position: relative; font-family: var(--font-display); font-weight: 800; font-size: var(--text-xl); margin-top: 4px; letter-spacing: -0.01em; }
.snap__body { padding: var(--space-6); }
.snap__rate { display: flex; align-items: baseline; gap: var(--space-3); }
.snap__rate b { font-family: var(--font-display); font-weight: 800; font-size: var(--text-5xl); color: var(--text-strong); letter-spacing: -0.02em; line-height: 1; font-variant-numeric: tabular-nums; }
.snap__rate span { font-size: var(--text-sm); color: var(--text-muted); font-weight: 600; }
.snap__spark { margin: var(--space-5) 0; height: 56px; display: flex; align-items: flex-end; gap: 5px; }
.snap__spark i { flex: 1; background: linear-gradient(180deg, var(--ff-refi), color-mix(in srgb, var(--ff-refi) 35%, transparent)); border-radius: 3px 3px 0 0; }
.snap__rows { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-4) var(--space-5); }
.snap__cell { display: flex; flex-direction: column; gap: 2px; }
.snap__cell .k { font-size: var(--text-xs); color: var(--text-muted); font-weight: 600; }
.snap__cell .v { font-family: var(--font-mono); font-size: var(--text-lg); color: var(--text-strong); font-weight: 600; font-variant-numeric: tabular-nums; }
.snap__foot { padding: var(--space-4) var(--space-6); border-top: 1px solid var(--border-subtle); font-size: var(--text-2xs); color: var(--text-faint); line-height: 1.45; }

/* ---- Trust band ---- */
.trustband { border-block: 1px solid var(--border-subtle); background: var(--surface-card); }
.trustband__inner { display: flex; align-items: center; justify-content: space-between; gap: var(--space-7); padding-block: var(--space-7); flex-wrap: wrap; }

/* ---- Grids ---- */
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-5); }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-6); }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-7); }
@media (max-width: 980px) { .grid-4 { grid-template-columns: repeat(2, 1fr); } .grid-3 { grid-template-columns: 1fr; } .grid-2 { grid-template-columns: 1fr; } .hero__grid { grid-template-columns: 1fr; } }
@media (max-width: 560px) { .grid-4 { grid-template-columns: 1fr; } }

/* ---- How it works steps ---- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-7); counter-reset: step; }
.step { position: relative; }
.step__n { width: 44px; height: 44px; border-radius: var(--radius-md); display: grid; place-items: center; background: var(--ff-ink-900); color: #fff; font-family: var(--font-display); font-weight: 800; font-size: var(--text-lg); margin-bottom: var(--space-5); }
.step h3 { font-size: var(--text-xl); margin-bottom: var(--space-2); }
.step p { color: var(--text-muted); font-size: var(--text-base); line-height: var(--leading-normal); }
@media (max-width: 820px) { .steps { grid-template-columns: 1fr; gap: var(--space-6); } }

/* ---- Calculator teaser cards ---- */
.calc-card { display: flex; flex-direction: column; gap: var(--space-4); padding: var(--space-6); border: 1px solid var(--border); border-radius: var(--radius-lg); background: var(--surface-card); transition: transform var(--dur-base) var(--ease-out), box-shadow var(--dur-base) var(--ease-out), border-color var(--dur-base); }
.calc-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: var(--border-strong); }
.calc-card__icon { width: 42px; height: 42px; border-radius: var(--radius-md); display: grid; place-items: center; background: var(--brand-tint); color: var(--brand); border: 1px solid var(--brand-line); }
.calc-card__icon svg { width: 22px; height: 22px; }
.calc-card h3 { font-size: var(--text-lg); }
.calc-card__preview { display: flex; flex-direction: column; gap: 8px; margin-top: auto; }
.calc-input { display: flex; align-items: center; justify-content: space-between; padding: 9px 12px; border: 1px solid var(--border); border-radius: var(--radius-sm); background: var(--ff-ink-25); font-size: var(--text-sm); }
.calc-input .lab { color: var(--text-muted); font-weight: 500; }
.calc-input .val { font-family: var(--font-mono); color: var(--text-strong); font-weight: 600; font-variant-numeric: tabular-nums; }
.calc-card__link { display: inline-flex; align-items: center; gap: 6px; font-weight: 700; font-size: var(--text-sm); color: var(--brand); }

/* ---- Article / learn cards ---- */
.art-card { display: flex; flex-direction: column; border: 1px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; background: var(--surface-card); transition: transform var(--dur-base) var(--ease-out), box-shadow var(--dur-base) var(--ease-out); }
.art-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.art-card__img { aspect-ratio: 16/10; }
.art-card__img.a { background: linear-gradient(150deg,#e8a24a,#b8623a 70%,#7a3b2e); }
.art-card__img.b { background: linear-gradient(150deg,#15708f,#0b4356); }
.art-card__img.c { background: linear-gradient(150deg,#474ba6,#2a2d6b); }
.art-card__body { padding: var(--space-6); display: flex; flex-direction: column; gap: var(--space-3); flex: 1; }
.art-card__tag { font-size: var(--text-2xs); font-weight: 700; letter-spacing: var(--tracking-label); text-transform: uppercase; color: var(--text-brand); }
.art-card h3 { font-size: var(--text-lg); line-height: 1.25; }
.art-card__meta { margin-top: auto; font-size: var(--text-xs); color: var(--text-faint); font-weight: 500; }

/* ---- Generic info card with icon ---- */
.info { display: flex; flex-direction: column; gap: var(--space-3); }
.info__icon { width: 44px; height: 44px; border-radius: var(--radius-md); display: grid; place-items: center; background: var(--ff-ink-50); color: var(--text-strong); border: 1px solid var(--border); }
.info__icon svg { width: 22px; height: 22px; }
.info h3 { font-size: var(--text-lg); }
.info p { color: var(--text-muted); font-size: var(--text-base); line-height: var(--leading-normal); }

/* ---- Checklist ---- */
.checklist { display: flex; flex-direction: column; gap: var(--space-3); }
.checklist li { display: flex; gap: var(--space-3); align-items: flex-start; list-style: none; font-size: var(--text-base); color: var(--text-body); }
.checklist { padding: 0; margin: 0; }
.check { flex: none; width: 22px; height: 22px; border-radius: 50%; display: grid; place-items: center; background: var(--ff-positive-tint); color: #14653b; margin-top: 1px; }
.check svg { width: 13px; height: 13px; }

/* ---- Section background variants ---- */
.bg-page { background: var(--surface-page); }
.bg-ink { background: var(--surface-ink); color: #fff; }

/* ---- Eyebrow on dark ---- */
.bg-ink .ff-eyebrow { color: var(--ff-red-400); }
.bg-ink h2 { color: #fff; }

/* ---- Pill row (segment filter) ---- */
.pillrow { display: flex; flex-wrap: wrap; gap: var(--space-2); }

/* ---- Inner-page subhero (service / program / city) ---- */
.subhero { position: relative; padding-block: clamp(2.5rem, 5vw, 4rem) clamp(2rem, 3vw, 3rem); overflow: hidden; }
.subhero::before { content: ""; position: absolute; inset: 0; background: radial-gradient(55% 70% at 88% -20%, rgba(224,22,36,.06), transparent 60%); pointer-events: none; }
.subhero__inner { position: relative; max-width: 64ch; }
.breadcrumb { display: flex; align-items: center; gap: 8px; font-size: var(--text-sm); color: var(--text-faint); font-weight: 600; margin-bottom: var(--space-5); }
.breadcrumb a { color: var(--text-muted); }
.breadcrumb a:hover { color: var(--text-strong); }
.subhero h1 { font-size: var(--display-md); letter-spacing: var(--tracking-tighter); line-height: 1.04; }
.subhero h1 em { color: var(--brand); font-style: normal; }
.subhero__lead { margin-top: var(--space-5); font-size: var(--text-xl); color: var(--text-body); line-height: var(--leading-normal); max-width: 54ch; }
.subhero__cta { display: flex; flex-wrap: wrap; gap: var(--space-3); margin-top: var(--space-6); }

/* ---- Content + sidebar layout ---- */
.layout-aside { display: grid; grid-template-columns: minmax(0,1fr) 340px; gap: clamp(2rem, 4vw, 3.5rem); align-items: start; }
.aside-sticky { position: sticky; top: 96px; display: flex; flex-direction: column; gap: var(--space-5); }
@media (max-width: 940px) { .layout-aside { grid-template-columns: 1fr; } .aside-sticky { position: static; } }

/* ---- Reassurance list (sidebar) ---- */
.reassure-list { display: flex; flex-direction: column; gap: var(--space-4); padding: 0; margin: 0; }
.reassure-list li { display: flex; gap: var(--space-3); list-style: none; align-items: flex-start; }
.reassure-list .ic { flex: none; width: 36px; height: 36px; border-radius: var(--radius-md); display: grid; place-items: center; background: var(--ff-ink-50); border: 1px solid var(--border); color: var(--text-strong); }
.reassure-list .ic svg { width: 18px; height: 18px; }
.reassure-list .t { display: block; font-weight: 700; font-size: var(--text-sm); color: var(--text-strong); }
.reassure-list .d { display: block; font-size: var(--text-sm); color: var(--text-muted); line-height: 1.45; margin-top: 2px; }

/* ---- Stepper (funnel) ---- */
.stepper { display: flex; align-items: center; gap: var(--space-2); margin-bottom: var(--space-7); }
.stepper__dot { display: flex; align-items: center; gap: var(--space-2); font-size: var(--text-sm); font-weight: 700; color: var(--text-faint); }
.stepper__num { width: 26px; height: 26px; border-radius: 50%; display: grid; place-items: center; background: var(--ff-ink-100); color: var(--text-muted); font-size: var(--text-xs); }
.stepper__dot[data-on="true"] .stepper__num { background: var(--brand); color: #fff; }
.stepper__dot[data-on="true"] { color: var(--text-strong); }
.stepper__line { flex: 1; height: 2px; background: var(--border); min-width: 16px; }

/* ---- Local market stat block ---- */
.market { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-5); }
.market__cell { padding: var(--space-6); border: 1px solid var(--border); border-radius: var(--radius-lg); background: var(--surface-card); }
.market__v { font-family: var(--font-display); font-weight: 800; font-size: var(--text-3xl); color: var(--text-strong); letter-spacing: -0.02em; font-variant-numeric: tabular-nums; }
.market__k { font-size: var(--text-sm); color: var(--text-muted); margin-top: 4px; font-weight: 500; }
.market__t { font-size: var(--text-2xs); font-weight: 700; letter-spacing: var(--tracking-label); text-transform: uppercase; color: var(--text-brand); margin-bottom: var(--space-2); }
@media (max-width: 820px) { .market { grid-template-columns: repeat(2, 1fr); } }

/* ---- Review wall ---- */
.reviews { columns: 3; column-gap: var(--space-5); }
.review { break-inside: avoid; margin-bottom: var(--space-5); padding: var(--space-6); border: 1px solid var(--border); border-radius: var(--radius-lg); background: var(--surface-card); box-shadow: var(--shadow-xs); }
.review__stars { display: inline-flex; gap: 2px; color: #e8a23d; margin-bottom: var(--space-3); }
.review__stars svg { width: 16px; height: 16px; fill: currentColor; }
.review p { font-size: var(--text-base); color: var(--text-body); line-height: var(--leading-normal); }
.review__by { margin-top: var(--space-4); font-size: var(--text-sm); }
.review__by b { color: var(--text-strong); display: block; font-weight: 700; }
.review__by span { color: var(--text-faint); }
@media (max-width: 940px) { .reviews { columns: 2; } }
@media (max-width: 620px) { .reviews { columns: 1; } }

/* ---- Team ---- */
.team { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-6); }
.member__photo { aspect-ratio: 1; border-radius: var(--radius-lg); margin-bottom: var(--space-4); }
.member__photo.g1 { background: linear-gradient(150deg,#e8a24a,#8a3f2e); }
.member__photo.g2 { background: linear-gradient(150deg,#15708f,#0b4356); }
.member__photo.g3 { background: linear-gradient(150deg,#474ba6,#2a2d6b); }
.member__photo.g4 { background: linear-gradient(150deg,#2c7a50,#194a30); }
.member__name { font-weight: 700; font-size: var(--text-md); color: var(--text-strong); }
.member__role { font-size: var(--text-sm); color: var(--text-muted); }
.member__nmls { font-family: var(--font-mono); font-size: var(--text-xs); color: var(--text-faint); margin-top: 2px; }
@media (max-width: 820px) { .team { grid-template-columns: repeat(2, 1fr); } }

/* ---- Article reading layout ---- */
.article { font-family: var(--font-serif); }
.article > * + * { margin-top: var(--space-6); }
.article h2 { font-family: var(--font-display); font-size: var(--text-3xl); letter-spacing: -0.02em; margin-top: var(--space-9); }
.article h3 { font-family: var(--font-display); font-size: var(--text-xl); margin-top: var(--space-7); }
.article p { font-size: var(--text-xl); line-height: 1.62; color: var(--ff-ink-800); }
.article ul { padding-left: 1.2em; display: flex; flex-direction: column; gap: var(--space-2); }
.article li { font-size: var(--text-xl); line-height: 1.55; color: var(--ff-ink-800); }
.article a.inline { color: var(--brand); text-decoration: underline; text-underline-offset: 3px; font-weight: 500; }
.article blockquote { margin: var(--space-8) 0; padding-left: var(--space-6); border-left: 3px solid var(--brand); font-size: var(--text-2xl); line-height: 1.4; color: var(--text-strong); font-weight: 500; }
.byline { display: flex; align-items: center; gap: var(--space-4); padding: var(--space-5) 0; border-block: 1px solid var(--border); }
.byline__ava { width: 52px; height: 52px; border-radius: 50%; background: linear-gradient(150deg,#15708f,#0b4356); flex: none; }
.byline__name { font-family: var(--font-sans); font-weight: 700; color: var(--text-strong); }
.byline__meta { font-family: var(--font-sans); font-size: var(--text-sm); color: var(--text-muted); }
.incard { font-family: var(--font-sans); }

/* ---- Two-up program highlights ---- */
.prog-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: var(--space-5); }
@media (max-width: 820px) { .prog-grid { grid-template-columns: 1fr; } }

/* ---- Utility ---- */
.mt-0 { margin-top: 0; }
/* Separate a standalone eyebrow from a heading that follows it directly.
   Block flow so wrapped uppercase text reserves its full height. */
.ff-eyebrow:has(+ h1.sec-head), .ff-eyebrow:has(+ h2.sec-head) { display: block; margin-bottom: var(--space-4); }
.center { text-align: center; }
.lead-muted { font-size: var(--text-lg); color: var(--text-muted); line-height: var(--leading-normal); }
.maxw-prose { max-width: var(--container-prose); }