/* ============================================================
   Reliance Mortgage — inner pages (About, Services, FAQs)
   Load AFTER style.css and home.css
   ============================================================ */

/* ---------- Page hero ---------- */
.pg-hero{position:relative;overflow:hidden;isolation:isolate;text-align:center;color:var(--paper);
  padding:76px 0 96px;background:linear-gradient(135deg,#071426 0%,#0e1b3e 48%,#12314f 100%)}
.pg-hero::after{content:"";position:absolute;left:0;right:0;bottom:0;height:3px;opacity:.85;
  background:linear-gradient(90deg,transparent,var(--gold) 30%,var(--gold-light) 50%,var(--gold) 70%,transparent)}
.pg-bg{position:absolute;inset:0;z-index:-1;overflow:hidden}
.pg-orb{position:absolute;border-radius:50%;filter:blur(70px);animation:hx-float 14s ease-in-out infinite}
.pg-orb.a{width:420px;height:420px;background:#0f669c;opacity:.5;top:-150px;right:-60px}
.pg-orb.b{width:340px;height:340px;background:#ab8a54;opacity:.25;bottom:-130px;left:-90px;animation-delay:-6s}
.pg-grid{position:absolute;inset:0;opacity:.07;
  background-image:linear-gradient(#fff 1px,transparent 1px),linear-gradient(90deg,#fff 1px,transparent 1px);background-size:56px 56px;
  -webkit-mask-image:radial-gradient(ellipse at 50% 40%,#000,transparent 72%);mask-image:radial-gradient(ellipse at 50% 40%,#000,transparent 72%)}
.pg-float{position:absolute;width:54px;height:54px;border-radius:16px;display:grid;place-items:center;
  background:rgba(255,255,255,.07);border:1px solid rgba(214,189,141,.3);backdrop-filter:blur(6px);animation:hx-card 7s ease-in-out infinite}
.pg-float svg{width:26px;height:26px;stroke:var(--gold-light);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.pg-float.f1{top:16%;left:8%}.pg-float.f2{top:58%;left:14%;animation-delay:-2s;width:44px;height:44px}
.pg-float.f3{top:20%;right:9%;animation-delay:-4s}.pg-float.f4{top:62%;right:15%;animation-delay:-1s;width:44px;height:44px}
.pg-crumb{display:inline-flex;gap:10px;align-items:center;padding:7px 16px;border-radius:999px;font-size:.8rem;letter-spacing:.05em;
  background:rgba(255,255,255,.08);border:1px solid rgba(214,189,141,.35);color:var(--gold-light);margin-bottom:22px}
.pg-crumb a{color:var(--cream)}.pg-crumb a:hover{color:var(--gold-light)}
.pg-hero h1{font-size:clamp(2.4rem,5.2vw,4.1rem);max-width:18ch;margin:0 auto .35em}
.pg-hero h1 em{font-style:normal;background:linear-gradient(90deg,var(--gold),var(--gold-light),var(--gold));background-size:200% 100%;
  -webkit-background-clip:text;background-clip:text;color:transparent;animation:pg-shine 5s linear infinite}
@keyframes pg-shine{to{background-position:-200% 0}}
.pg-lede{max-width:58ch;margin:0 auto 28px;font-size:1.08rem;color:rgba(245,243,238,.84)}
.pg-ctas{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
.pg-hero .btn-outline{border-color:rgba(255,255,255,.4)}

/* ---------- About: values ---------- */
.values4{padding:90px 0;background:var(--paper)}
.v4-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.v4-card{position:relative;padding:34px 24px 30px;border-radius:18px;background:var(--cream);border:1px solid var(--cream-dark);overflow:hidden;
  transition:transform .4s var(--ease),box-shadow .4s var(--ease),border-color .4s}
.v4-card::before{content:"";position:absolute;left:0;top:0;height:4px;width:0;background:linear-gradient(90deg,var(--gold),var(--gold-light));transition:width .6s var(--ease)}
.v4-card:hover{transform:translateY(-8px);box-shadow:0 22px 44px rgba(14,27,62,.14);border-color:var(--gold)}
.v4-card:hover::before{width:100%}
.v4-ic{width:60px;height:60px;border-radius:16px;display:grid;place-items:center;margin-bottom:18px;background:linear-gradient(135deg,var(--logo-navy),#1c4a70);transition:transform .5s var(--ease)}
.v4-card:hover .v4-ic{transform:rotate(-8deg) scale(1.08)}
.v4-ic svg{width:28px;height:28px;stroke:var(--gold-light);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.v4-card h3{font-size:1.2rem;margin-bottom:8px}
.v4-card p{font-size:.92rem;color:var(--grey);margin:0}

/* ---------- About: match flow ---------- */
.matchflow{padding:90px 0;background:var(--cream)}
.mf{display:grid;grid-template-columns:1fr 90px 1fr 90px 1fr;align-items:center;gap:0;max-width:980px;margin:0 auto}
.mf-node{text-align:center;padding:28px 20px;border-radius:18px;background:var(--paper);border:1px solid var(--cream-dark);box-shadow:0 14px 34px rgba(14,27,62,.08);transition:transform .4s var(--ease)}
.mf-node:hover{transform:translateY(-6px)}
.mf-node.mid{background:linear-gradient(150deg,var(--logo-navy),#12314f);color:var(--paper);border-color:transparent}
.mf-node.mid p{color:rgba(245,243,238,.78)}
.mf-node .ic{width:62px;height:62px;border-radius:50%;margin:0 auto 14px;display:grid;place-items:center;background:var(--cream);position:relative}
.mf-node.mid .ic{background:rgba(255,255,255,.1)}
.mf-node .ic::after{content:"";position:absolute;inset:-7px;border-radius:50%;border:2px solid var(--gold);opacity:0;animation:hx-ring 2.8s infinite}
.mf-node:nth-child(3) .ic::after{animation-delay:.9s}.mf-node:nth-child(5) .ic::after{animation-delay:1.8s}
@keyframes hx-ring{0%{transform:scale(.8);opacity:.8}100%{transform:scale(1.35);opacity:0}}
.mf-node .ic svg{width:28px;height:28px;stroke:var(--logo-navy);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.mf-node.mid .ic svg{stroke:var(--gold-light)}
.mf-node h3{font-size:1.1rem;margin-bottom:6px}.mf-node.mid h3{color:var(--paper)}
.mf-node p{font-size:.88rem;color:var(--grey);margin:0}
.mf-link{height:3px;position:relative;background-image:repeating-linear-gradient(90deg,var(--gold) 0 8px,transparent 8px 16px);background-size:16px 3px;animation:mf-flow 1s linear infinite}
.mf-link::after{content:"";position:absolute;right:-2px;top:-5px;border-left:10px solid var(--gold);border-top:6.5px solid transparent;border-bottom:6.5px solid transparent}
@keyframes mf-flow{to{background-position:16px 0}}

/* ---------- Services: finder ---------- */
.finder{padding:90px 0;background:var(--paper)}
.fd-chips{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;margin-bottom:28px}
.fd-chip{font:600 .92rem var(--font-body);padding:12px 22px;border-radius:999px;cursor:pointer;color:var(--logo-navy);
  background:var(--cream);border:1px solid var(--cream-dark);transition:all .3s var(--ease)}
.fd-chip:hover{border-color:var(--gold);transform:translateY(-2px)}
.fd-chip[aria-pressed="true"]{background:var(--logo-navy);color:var(--gold-light);border-color:var(--logo-navy)}
.fd-result{max-width:820px;margin:0 auto;display:grid;grid-template-columns:auto 1fr;gap:26px;align-items:center;padding:34px;border-radius:20px;
  background:linear-gradient(150deg,var(--logo-navy),#12314f);color:var(--paper);box-shadow:0 26px 60px rgba(14,27,62,.2);min-height:170px}
.fd-result.swap{animation:hx-rise .55s var(--ease)}
.fd-result .ic{width:74px;height:74px;border-radius:20px;display:grid;place-items:center;background:linear-gradient(135deg,var(--gold),var(--gold-light))}
.fd-result .ic svg{width:34px;height:34px;stroke:var(--ink);fill:none;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}
.fd-result h3{color:var(--paper);font-size:1.4rem;margin-bottom:6px}
.fd-result p{color:rgba(245,243,238,.8);margin:0 0 16px;font-size:.96rem}

/* ---------- FAQ tools ---------- */
.faq-hero-search{position:relative;max-width:560px;margin:0 auto}
.faq-hero-search input{width:100%;padding:18px 22px 18px 54px;border-radius:999px;border:1px solid rgba(214,189,141,.45);font:500 1rem var(--font-body);
  color:var(--ink);background:rgba(255,255,255,.96);box-shadow:0 18px 44px rgba(3,10,25,.35);outline:none;transition:box-shadow .3s,border-color .3s}
.faq-hero-search input:focus{border-color:var(--gold);box-shadow:0 0 0 5px rgba(214,189,141,.28),0 18px 44px rgba(3,10,25,.35)}
.faq-hero-search svg{position:absolute;left:20px;top:50%;transform:translateY(-50%);width:22px;height:22px;stroke:var(--gold);fill:none;stroke-width:2;stroke-linecap:round}
.faq-section{padding:70px 0 90px}
.faq-chips{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;margin-bottom:12px}
.faq-chip{font:600 .86rem var(--font-body);padding:10px 20px;border-radius:999px;cursor:pointer;color:var(--cream);background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.18);transition:all .3s var(--ease)}
.faq-chip:hover{border-color:var(--gold-light)}
.faq-chip[aria-pressed="true"]{background:linear-gradient(90deg,var(--gold),var(--gold-light));color:var(--ink);border-color:transparent}
.faq-count{text-align:center;font-size:.85rem;color:rgba(245,243,238,.6);margin-bottom:26px}
.faq-list.wide{max-width:860px}
.faq-list .accordion-item{transition:border-color .3s,background .3s,transform .3s}
.faq-list .accordion-item:hover{border-color:var(--gold-light);background:rgba(245,243,238,.07)}
.faq-list .accordion-item:has(.faq-trigger[aria-expanded="true"]){border-color:var(--gold);background:rgba(245,243,238,.08)}
.faq-list .accordion-item[hidden]{display:none}
.faq-tag{display:inline-block;font-size:.68rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-light);margin-right:12px;opacity:.85}
.faq-empty{display:none;text-align:center;padding:40px 20px;color:rgba(245,243,238,.8)}
.faq-empty.show{display:block;animation:hx-rise .5s var(--ease)}
.faq-empty a{color:var(--gold-light);text-decoration:underline}

/* ---------- CTA band ---------- */
.cta-band{position:relative;overflow:hidden;padding:80px 0;text-align:center;color:var(--paper);
  background:linear-gradient(120deg,#0e1b3e,#12314f,#0f4a73,#12314f,#0e1b3e);background-size:300% 100%;animation:cta-move 14s ease-in-out infinite alternate}
@keyframes cta-move{to{background-position:100% 0}}
.cta-band h2{color:var(--paper);font-size:clamp(1.8rem,3.4vw,2.6rem);margin-bottom:10px}
.cta-band p{color:rgba(245,243,238,.8);margin:0 auto 26px;max-width:52ch}
.cta-band .pg-ctas .btn-gold{animation:hx-pulse 2.6s infinite}

/* About/Services polish */
.fee-card,.process-item{transition:transform .35s var(--ease),box-shadow .35s var(--ease)}
.fee-card:hover{transform:translateY(-6px);box-shadow:0 20px 40px rgba(14,27,62,.14)}
.process-item:hover{transform:translateX(8px)}
.trust-photo-frame img{transition:transform .8s var(--ease)}
.trust-photo-frame:hover img{transform:scale(1.05)}
.trust-badge{animation:hx-bob 5s ease-in-out infinite}
@keyframes hx-bob{0%,100%{transform:translateY(0)}50%{transform:translateY(-8px)}}
.review-card{transition:transform .35s var(--ease),box-shadow .35s var(--ease)}
.review-card:hover{transform:translateY(-6px);box-shadow:0 18px 36px rgba(14,27,62,.14)}
.offer-col .accordion-item{transition:border-color .3s,background .3s}
.offer-col .accordion-item:hover{border-color:var(--gold-light);background:rgba(245,243,238,.08)}

@media (max-width:980px){
  .v4-grid{grid-template-columns:1fr 1fr}
  .mf{grid-template-columns:1fr;gap:0}
  .mf-link{width:3px;height:56px;margin:0 auto;background-image:repeating-linear-gradient(180deg,var(--gold) 0 8px,transparent 8px 16px);background-size:3px 16px;animation:mf-flow-v 1s linear infinite}
  .mf-link::after{right:auto;left:-5px;top:auto;bottom:-2px;border-left:6.5px solid transparent;border-right:6.5px solid transparent;border-top:10px solid var(--gold);border-bottom:0}
  @keyframes mf-flow-v{to{background-position:0 16px}}
  .pg-float{display:none}
  .fd-result{grid-template-columns:1fr;text-align:center}
  .fd-result .ic{margin:0 auto}
}
@media (max-width:560px){
  .v4-grid{grid-template-columns:1fr}
  .pg-hero{padding:56px 0 76px}
  .faq-tag{display:none}
}
@media (prefers-reduced-motion:reduce){
  .pg-hero h1 em,.cta-band,.mf-link,.trust-badge{animation:none}
}

/* 4-step timeline variant */
.jr-track.four{grid-template-columns:repeat(4,1fr)}
.jr-track.four::before{left:12.5%;right:12.5%}
.jr-track.four::after{left:12.5%}
.jr-track.four.in-view::after{width:75%}
@media (max-width:980px){
  .jr-track.four{grid-template-columns:1fr}
  .jr-track.four::before,.jr-track.four::after{left:34px;right:auto}
  .jr-track.four.in-view::after{width:3px;height:80%}
}

/* ============ Contact page ============ */
.ct-cards-wrap{margin-top:-46px;position:relative;z-index:3;padding-bottom:10px}
.ct-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.ct-card{display:flex;align-items:center;gap:16px;padding:22px 24px;border-radius:18px;background:var(--paper);border:1px solid var(--cream-dark);
  box-shadow:0 18px 44px rgba(14,27,62,.14);transition:transform .35s var(--ease),box-shadow .35s var(--ease),border-color .35s;min-width:0}
.ct-card:hover{transform:translateY(-6px);border-color:var(--gold);box-shadow:0 26px 54px rgba(14,27,62,.2)}
.ct-ic{flex:none;width:52px;height:52px;border-radius:14px;display:grid;place-items:center;background:linear-gradient(135deg,var(--logo-navy),#1c4a70);transition:transform .45s var(--ease)}
.ct-card:hover .ct-ic{transform:rotate(-8deg) scale(1.08)}
.ct-ic svg{width:24px;height:24px;stroke:var(--gold-light);fill:none;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}
.ct-card small{display:block;font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);font-weight:700}
.ct-card b{display:block;font-size:.95rem;color:var(--logo-navy);word-break:break-word;line-height:1.35;margin-top:2px}
.ct-main{padding:70px 0 90px;background:var(--cream)}
.ct-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:start}
.ct-steps{list-style:none;margin:0 0 30px;padding:0;position:relative}
.ct-steps::before{content:"";position:absolute;left:21px;top:22px;bottom:22px;width:2px;background:repeating-linear-gradient(180deg,var(--gold) 0 7px,transparent 7px 14px)}
.ct-steps li{display:flex;gap:18px;padding:0 0 26px;position:relative}
.ct-steps li:last-child{padding-bottom:0}
.ct-steps .n{flex:none;width:44px;height:44px;border-radius:50%;display:grid;place-items:center;font:700 1.05rem var(--font-display);color:var(--ink);
  background:linear-gradient(135deg,var(--gold),var(--gold-light));box-shadow:0 0 0 6px var(--cream);position:relative;z-index:1}
.ct-steps li:hover .n{animation:hx-ring-n .8s}
@keyframes hx-ring-n{50%{transform:scale(1.18)}}
.ct-steps h3{font-size:1.08rem;margin:2px 0 4px}
.ct-steps p{margin:0;font-size:.9rem;color:var(--grey)}
.ct-ready{padding:26px;border-radius:18px;background:var(--paper);border:1px solid var(--cream-dark);border-left:4px solid var(--gold)}
.ct-ready h3{font-size:1.05rem;margin-bottom:12px}.ct-ready h3 small{font-weight:400;color:var(--grey);font-family:var(--font-body)}
.ct-ready ul{list-style:none;padding:0;margin:0 0 12px;display:grid;gap:9px}
.ct-ready li{display:flex;gap:10px;font-size:.9rem;color:var(--ink)}
.ct-ready li::before{content:"";flex:none;width:16px;height:16px;margin-top:3px;border-radius:50%;background:var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3.2 3.2L15 7' fill='none' stroke='%230b1a2a' stroke-width='2.6' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/70% no-repeat}
.ct-ready p{margin:0;font-size:.85rem;color:var(--grey)}
.ct-formwrap .form-panel{box-shadow:0 30px 70px rgba(14,27,62,.25);border-top:3px solid var(--gold);position:relative}
.ct-form-title{color:var(--paper);font-size:1.6rem;margin-bottom:22px}

/* live reviews */
.ct-reviews{padding:90px 0;background:var(--paper)}
.live-em{font-style:normal;color:var(--gold);position:relative}
.live-em::after{content:"";display:inline-block;width:10px;height:10px;margin-left:10px;border-radius:50%;background:#2fb872;vertical-align:middle;animation:rv-pulse 2s infinite}
.ct-reviews .reviews-grid .review-summary{background:linear-gradient(150deg,var(--logo-navy),#12314f);color:var(--paper);border:none;box-shadow:0 22px 50px rgba(14,27,62,.22)}
.ct-reviews .review-summary strong{color:var(--paper)}
.ct-reviews .review-summary .rv-avg{color:var(--gold-light)}
.ct-reviews .review-summary .rv-avg small,.ct-reviews .review-summary .rv-count,.ct-reviews .review-summary .rv-live{color:rgba(245,243,238,.75)}
.ct-reviews .review-summary .rv-stars{color:rgba(255,255,255,.25)}
.ct-reviews .review-summary .btn-dark{background:linear-gradient(90deg,var(--gold),var(--gold-light));color:var(--ink);border-color:transparent}
.ct-reviews .review-card{transition:transform .35s var(--ease),box-shadow .35s var(--ease),border-color .35s}
.ct-reviews .review-card:hover{transform:translateY(-6px);box-shadow:0 18px 38px rgba(14,27,62,.14);border-color:var(--gold)}
.review-card.skeleton{min-height:132px;display:grid;gap:10px;align-content:start}
.review-card.skeleton i{display:block;height:12px;border-radius:6px;background:linear-gradient(90deg,#ece7da 25%,#f7f5f0 50%,#ece7da 75%);background-size:200% 100%;animation:sk 1.4s linear infinite}
.review-card.skeleton i:nth-child(1){width:42%}.review-card.skeleton i:nth-child(2){width:28%}.review-card.skeleton i:nth-child(4){width:70%}
@keyframes sk{to{background-position:-200% 0}}
.review-card.rv-empty{grid-column:1/-1}
.ct-rv-note{max-width:70ch;margin:30px auto 0;text-align:center;font-size:.88rem;color:var(--grey)}

@media (max-width:980px){
  .ct-cards{grid-template-columns:1fr}
  .ct-grid{grid-template-columns:1fr;gap:40px}
}
@media (prefers-reduced-motion:reduce){.review-card.skeleton i,.live-em::after{animation:none}}
.ct-cards-wrap{margin-top:-46px;padding-bottom:36px;background:linear-gradient(to bottom,transparent 46px,var(--cream) 46px)}
.ct-main{padding-top:34px}
.ct-card b.em{font-size:.84rem;white-space:nowrap}
@media (max-width:1180px){.ct-card b.em{white-space:normal;word-break:break-all}}