/* SkipTheFees.ca — Complete Mortgage Services
   Brand colours per Complete Marketing Policy (electronic RGB values).
   Depth comes from dark brand-purple fields and layered cards, not from
   off-brand colours. */

:root {
  --purple: #68227A;        /* Complete Purple, brand */
  --purple-deep: #4A1859;   /* shade of brand purple, used for depth only */
  --purple-night: #2B0F35;  /* deepest shade, section fields */
  --blue: #30AFCF;          /* Complete Blue, brand accent */
  --grey: #636466;          /* Complete Grey, brand */
  --lilac: #F1E8F2;         /* Complete Watermark, brand */
  --ink: #17111C;
  --paper: #FFFFFF;
  --bone: #FAF7FB;
  --line: #E6DDE9;
  --line-dark: rgba(255,255,255,.16);

  --measure: 1180px;
  --sans: Arial, "Helvetica Neue", Helvetica, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

.wrap { width: 100%; max-width: var(--measure); margin: 0 auto; padding: 0 28px; }
a { color: var(--purple); }
:focus-visible { outline: 3px solid var(--blue); outline-offset: 3px; }

/* ---------- Type ---------- */

h1, h2, h3 { font-weight: 700; letter-spacing: -0.03em; line-height: 1.02; margin: 0; }
h1 { font-size: clamp(2.7rem, 6.4vw, 4.9rem); }
h2 { font-size: clamp(2rem, 4vw, 3.1rem); }
h3 { font-size: 1.2rem; letter-spacing: -0.01em; line-height: 1.25; }

.eyebrow {
  font-size: 0.73rem; font-weight: 700; letter-spacing: 0.2em;
  text-transform: uppercase; color: var(--purple); margin: 0 0 22px;
}
.eyebrow-light { color: var(--blue); }
.lede { font-size: clamp(1.08rem, 1.8vw, 1.3rem); line-height: 1.55; }
.fine { font-size: 0.82rem; line-height: 1.6; color: var(--grey); }

/* ---------- Header ---------- */

.site-head {
  border-bottom: 1px solid var(--line);
  background: rgba(255,255,255,.94);
  backdrop-filter: saturate(1.6) blur(8px);
  position: sticky; top: 0; z-index: 60;
}
.site-head .wrap { display: flex; align-items: center; gap: 26px; min-height: 92px; }

.brand-lockup { display: flex; align-items: center; text-decoration: none; }
.head-brokerage { height: 58px; width: auto; display: block; flex: none; }

.head-nav { margin-left: auto; display: flex; align-items: center; gap: 28px; }
.head-nav a { font-size: 0.94rem; color: var(--grey); text-decoration: none; }
.head-nav a:hover { color: var(--purple); }
.head-tel { font-weight: 700; color: var(--ink) !important; }
.head-nav a.btn-apply { color: #fff; } /* white label on the purple Apply button (was inheriting grey nav colour) */

/* ---------- Buttons ---------- */

.btn {
  display: inline-block; font-family: inherit; font-size: 1.02rem; font-weight: 700;
  letter-spacing: -0.01em; padding: 18px 36px; border-radius: 3px;
  border: 2px solid transparent; text-decoration: none; cursor: pointer;
  transition: transform .14s ease, box-shadow .14s ease, background-color .14s ease;
}
.btn-apply {
  background: var(--purple); color: #fff;
  box-shadow: 0 10px 26px -10px rgba(104,34,122,.85), inset 0 1px 0 rgba(255,255,255,.18);
}
.btn-apply:hover { background: var(--purple-deep); transform: translateY(-1px); box-shadow: 0 16px 34px -12px rgba(104,34,122,.9); }
.btn-apply:active { transform: translateY(0); }

.btn-quiet { background: transparent; color: var(--purple); border-color: var(--line); padding: 16px 30px; }
.btn-quiet:hover { border-color: var(--purple); }

.btn-onDark { background: #fff; color: var(--purple); box-shadow: 0 12px 30px -12px rgba(0,0,0,.6); }
.btn-onDark:hover { background: var(--lilac); transform: translateY(-1px); }
.btn-ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,.42); padding: 16px 30px; }
.btn-ghost:hover { border-color: #fff; background: rgba(255,255,255,.08); }

.btn-sm { padding: 12px 24px; font-size: 0.92rem; }
.cta-row { display: flex; flex-wrap: wrap; align-items: center; gap: 16px; margin-top: 38px; }

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

.dark {
  background:
    radial-gradient(120% 90% at 12% 8%, rgba(104,34,122,.72) 0%, rgba(43,15,53,0) 58%),
    radial-gradient(90% 80% at 88% 92%, rgba(48,175,207,.18) 0%, rgba(43,15,53,0) 55%),
    var(--purple-night);
  color: #fff;
}
.dark h1, .dark h2, .dark h3 { color: #fff; }
.dark p { color: #D8CBDE; }

/* Light cards sitting inside a dark section keep their own colours. */
.dark .costcard h1, .dark .costcard h2, .dark .costcard h3 { color: var(--ink); }
.dark .costcard p { color: var(--grey); }
.dark .form-card h3 { color: var(--ink); }
.dark .form-card p { color: var(--grey); }

/* ---------- Hero ---------- */

.hero { padding: 96px 0 92px; }
.hero-grid { display: grid; grid-template-columns: 1.06fr 0.94fr; gap: 68px; align-items: center; }
.hero h1 { margin-bottom: 26px; }
.hero h1 em { font-style: normal; color: var(--blue); }
.hero-sub { max-width: 32ch; }

.signed { margin-top: 38px; padding-top: 24px; border-top: 1px solid var(--line-dark); font-size: 0.95rem; }
.signed p { margin: 0 0 3px; }
.signed strong { color: #fff; }

/* ---------- Licence badges ---------- */

.licences { display: flex; flex-wrap: wrap; gap: 9px; margin: 18px 0 0; padding: 0; list-style: none; }
.licence {
  display: inline-flex; align-items: stretch; font-size: 0.72rem; font-weight: 700;
  letter-spacing: 0.06em; line-height: 1; border-radius: 3px; overflow: hidden;
}
.licence .k { background: var(--purple); color: #fff; padding: 8px 10px; text-transform: uppercase; }
.licence .v { background: var(--ink); color: #fff; padding: 8px 10px; font-variant-numeric: tabular-nums; }
.licences-light .licence .k { background: var(--blue); color: #08252C; }
.licences-light .licence .v { background: rgba(255,255,255,.14); color: #fff; }

/* ---------- Closing-costs card ---------- */

.costcard {
  background: #fff;
  color: var(--ink);
  border-radius: 4px;
  padding: 34px 34px 28px;
  box-shadow: 0 40px 80px -30px rgba(0,0,0,.65), 0 2px 0 rgba(255,255,255,.5) inset;
}
.costcard-head { display: flex; align-items: baseline; justify-content: space-between; gap: 14px; margin-bottom: 6px; }
.costcard h3 { font-size: 1.16rem; }
.costcard .sub { font-size: 0.82rem; color: var(--grey); margin: 0 0 22px; }

.costcard table { width: 100%; border-collapse: collapse; }
.costcard th {
  text-align: left; font-size: 0.68rem; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--grey); font-weight: 700; padding: 0 0 10px; border-bottom: 1px solid var(--line);
}
.costcard th:last-child, .costcard td:last-child { text-align: right; }
.costcard td { padding: 13px 0; border-bottom: 1px solid var(--line); font-size: 0.95rem; }
.costcard td.amt { font-variant-numeric: tabular-nums; color: var(--grey); white-space: nowrap; }

.costcard tr.covered td { color: var(--purple); font-weight: 700; }
.costcard tr.covered td.amt { color: var(--purple); }
.tag-covered {
  display: inline-block; margin-left: 8px; font-size: 0.62rem; letter-spacing: 0.1em;
  text-transform: uppercase; background: var(--purple); color: #fff; padding: 3px 7px;
  border-radius: 2px; vertical-align: middle;
}
.costcard tr.free td { color: var(--ink); }
.costcard tr.free td.amt { color: #1D7A45; font-weight: 700; }
.costcard-foot { margin: 20px 0 0; font-size: 0.78rem; line-height: 1.55; color: var(--grey); }

/* ---------- Sections ---------- */

section { padding: 88px 0; }
.section-bone { background: var(--bone); }
.section-lilac { background: var(--lilac); }
.section-line { border-top: 1px solid var(--line); }
.section-head { max-width: 62ch; margin-bottom: 52px; }
.section-head p { color: var(--grey); margin: 20px 0 0; }
.dark .section-head p { color: #D8CBDE; }

/* ---------- Steps ---------- */

.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 34px; }
.step {
  background: #fff; border: 1px solid var(--line); border-radius: 4px; padding: 30px 28px;
  box-shadow: 0 18px 40px -28px rgba(23,17,28,.45);
}
.step-n {
  display: inline-block; font-size: 0.68rem; font-weight: 700; letter-spacing: 0.16em;
  color: #fff; background: var(--purple); padding: 5px 9px; border-radius: 2px; margin-bottom: 16px;
}
.step h3 { margin-bottom: 10px; }
.step p { margin: 0; color: var(--grey); font-size: 0.96rem; }

/* ---------- Why / credibility ---------- */

.why-grid { display: grid; grid-template-columns: 1.02fr 0.98fr; gap: 60px; align-items: start; }
.why-list { list-style: none; margin: 26px 0 0; padding: 0; }
.why-list li { padding: 15px 0 15px 30px; border-bottom: 1px solid var(--line); position: relative; font-size: 1rem; }
.why-list li::before {
  content: ""; position: absolute; left: 0; top: 24px; width: 14px; height: 2px; background: var(--blue);
}

.cred {
  background: var(--purple-night);
  color: #fff; border-radius: 4px; padding: 40px 36px;
  box-shadow: 0 40px 80px -34px rgba(43,15,53,.75);
  background-image: radial-gradient(110% 80% at 20% 0%, rgba(104,34,122,.75) 0%, rgba(43,15,53,0) 60%);
}
.cred h3 { font-size: 1.05rem; color: #fff; margin-bottom: 26px; letter-spacing: 0.02em; }
.cred-stat { padding: 20px 0; border-top: 1px solid var(--line-dark); }
.cred-stat:first-of-type { border-top: 0; padding-top: 0; }
.cred-num {
  font-size: clamp(2.1rem, 3.4vw, 2.9rem); font-weight: 700; letter-spacing: -0.03em;
  line-height: 1; color: var(--blue); display: block; margin-bottom: 6px;
}
.cred-lab { font-size: 0.92rem; color: #D8CBDE; margin: 0; }

/* ---------- Lender marquee ---------- */

.marquee { overflow: hidden; position: relative; padding: 6px 0; }
.marquee::before, .marquee::after {
  content: ""; position: absolute; top: 0; bottom: 0; width: 90px; z-index: 2; pointer-events: none;
}
.marquee::before { left: 0; background: linear-gradient(90deg, var(--bone), rgba(250,247,251,0)); }
.marquee::after { right: 0; background: linear-gradient(270deg, var(--bone), rgba(250,247,251,0)); }
.marquee-track { display: flex; width: max-content; animation: slide 46s linear infinite; }
.marquee:hover .marquee-track { animation-play-state: paused; }
.marquee-row { display: flex; gap: 12px; padding-right: 12px; }
.lender {
  background: #fff; border: 1px solid var(--line); border-radius: 3px;
  padding: 13px 20px; font-size: 0.9rem; color: var(--ink); white-space: nowrap;
  box-shadow: 0 10px 24px -20px rgba(23,17,28,.6);
}
@keyframes slide { from { transform: translateX(0); } to { transform: translateX(-50%); } }
@media (prefers-reduced-motion: reduce) {
  .marquee-track { animation: none; flex-wrap: wrap; width: 100%; }
  .marquee-row { flex-wrap: wrap; }
  .marquee::before, .marquee::after { display: none; }
}

/* ---------- Photo slots ---------- */

.photo-band { padding: 0; border: 0; line-height: 0; background: var(--lilac); }
.photo-band img { width: 100%; height: clamp(260px, 34vw, 440px); object-fit: cover; display: block; }
.photo-band figcaption {
  line-height: 1.5; font-size: 0.82rem; color: var(--grey);
  padding: 14px 28px 0; max-width: var(--measure); margin: 0 auto;
}
.detail-shot { width: 100%; height: auto; display: block; border-radius: 4px; }

/* ---------- Closer ---------- */

.closer-split { display: grid; grid-template-columns: 330px 1fr; gap: 60px; align-items: center; }
.closer-photo {
  width: 100%; height: 380px; object-fit: cover; object-position: center 22%;
  display: block; border-radius: 4px;
  box-shadow: 0 40px 80px -28px rgba(0,0,0,.7);
}

/* ---------- Forms ---------- */

.form-card {
  background: #fff; border: 1px solid var(--line); border-radius: 4px; padding: 36px;
  max-width: 560px; box-shadow: 0 30px 70px -34px rgba(23,17,28,.5);
}
.field { margin-bottom: 20px; }
.field label { display: block; font-size: 0.88rem; font-weight: 700; margin-bottom: 7px; }
.field input, .field select, .field textarea {
  width: 100%; font-family: inherit; font-size: 1rem; padding: 14px;
  border: 1px solid var(--line); border-radius: 3px; background: var(--bone); color: var(--ink);
}
.field textarea { min-height: 110px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--purple); background: #fff; }

/* ---------- Calculator ---------- */

.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 52px; align-items: start; }
.result {
  border-radius: 4px; padding: 38px; color: #fff;
  background: radial-gradient(110% 90% at 15% 5%, rgba(104,34,122,.85) 0%, rgba(43,15,53,0) 62%), var(--purple-night);
  box-shadow: 0 40px 80px -34px rgba(43,15,53,.8);
}
.result-label { font-size: 0.7rem; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: var(--blue); margin: 0 0 12px; }
.result-big { font-size: clamp(2.6rem, 6vw, 3.6rem); font-weight: 700; letter-spacing: -0.035em; line-height: 1; margin: 0 0 4px; }
.result-rows { margin-top: 30px; border-top: 1px solid var(--line-dark); }
.result-rows div { display: flex; justify-content: space-between; gap: 16px; padding: 13px 0; border-bottom: 1px solid var(--line-dark); font-size: 0.95rem; }
.result-rows span:first-child { color: #D8CBDE; }
.calc-note { margin-top: 24px; color: #B9A6C2; font-size: 0.79rem; line-height: 1.55; }
.calc-warn { margin-top: 16px; padding: 13px 15px; background: rgba(48,175,207,.16); border-left: 3px solid var(--blue); font-size: 0.85rem; border-radius: 2px; }

/* ---------- Footer ---------- */

.site-foot { background: #fff; border-top: 3px solid var(--purple); color: var(--grey); padding: 58px 0 42px; font-size: 0.9rem; }
.foot-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 44px; padding-bottom: 34px; border-bottom: 1px solid var(--line); }
.site-foot h4 { color: var(--ink); font-size: 0.72rem; letter-spacing: 0.16em; text-transform: uppercase; margin: 0 0 18px; font-weight: 700; }
.site-foot a { color: var(--grey); text-decoration: none; display: block; margin-bottom: 10px; }
.site-foot a:hover { color: var(--purple); }
.foot-logo { display: block; width: 250px; max-width: 100%; height: auto; margin: 0 0 18px; }
.foot-verico { display: block; width: 120px; height: auto; }
.foot-legal { padding-top: 28px; font-size: 0.79rem; line-height: 1.7; color: #7C7580; }
.foot-legal p { margin: 0 0 10px; }
.foot-legal a { display: inline; color: #7C7580; text-decoration: underline; }

/* ---------- Responsive ---------- */

@media (max-width: 1040px) {
  .head-brokerage { height: 46px; }
  .head-nav { gap: 20px; }
}
@media (max-width: 900px) {
  .hero-grid, .why-grid, .calc-grid, .closer-split { grid-template-columns: 1fr; gap: 42px; }
  .steps { grid-template-columns: 1fr; gap: 20px; }
  .foot-grid { grid-template-columns: 1fr; gap: 32px; }
  .hero { padding: 60px 0 56px; }
  section { padding: 62px 0; }
  .head-nav a:not(.head-cta) { display: none; }
  .closer-photo { max-width: 240px; height: 276px; margin: 0 auto; }
}
@media (max-width: 820px) {
  .site-head .wrap { min-height: 74px; gap: 14px; }
  .head-brokerage { height: 38px; }
}
@media (max-width: 560px) {
  .cta-row .btn { width: 100%; text-align: center; }
  .form-card, .costcard, .cred, .result { padding: 24px; }
}
@media (prefers-reduced-motion: reduce) {
  * { transition: none !important; }
  html { scroll-behavior: auto; }
}