/*
Theme Name: McDowell Financial Services
Author: McDowell Financial Services Ltd
Description: Custom theme for mcdowellfs.com — mortgage and protection advice, Bangor.
Version: 1.0
Requires PHP: 7.4
Text Domain: mcdowell
*/

:root{
  --navy:#12233d; --navy-2:#1b3357; --gold:#c89b3c; --gold-soft:#f4ead3;
  --ink:#1c2430; --muted:#5b6675; --line:#e3e6ea; --bg:#ffffff; --bg-2:#f7f5f0;
  --green:#00b67a; --radius:14px; --shadow:0 10px 30px rgba(18,35,61,.08);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Manrope,system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
h1,h2,h3{font-family:Fraunces,Georgia,serif;color:var(--navy);line-height:1.15;font-weight:600}
h1{font-size:clamp(2.1rem,4.6vw,3.4rem)}
h2{font-size:clamp(1.7rem,3vw,2.4rem);margin-bottom:.6rem}
h3{font-size:1.25rem;margin-bottom:.4rem}
a{color:inherit}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;font-weight:700;color:var(--gold)}
.lead{font-size:1.12rem;color:var(--muted);max-width:640px}
.btn{display:inline-flex;align-items:center;gap:.5rem;padding:.9rem 1.4rem;border-radius:999px;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:1rem;font-family:inherit}
.btn-gold{background:var(--gold);color:#1a1405}
.btn-gold:hover{background:#b8892c}
.btn-line{border-color:var(--navy);color:var(--navy);background:transparent}
.btn-line:hover{background:var(--navy);color:#fff}
.btn-white{border-color:#fff;color:#fff}
section{padding:84px 0}
.tint{background:var(--bg-2)}

/* top bar + header */
.topbar{background:var(--navy);color:#dfe6f0;font-size:.85rem}
.topbar .wrap{display:flex;justify-content:space-between;gap:1rem;padding-top:8px;padding-bottom:8px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none;font-weight:600}
header.site{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:84px}
.logo{display:flex;align-items:center;gap:.7rem;text-decoration:none}
.logo-mark{width:54px;height:54px;border-radius:10px;background:var(--navy);display:grid;place-items:center;color:#fff;flex:none}
.logo-mark svg{width:40px;height:40px}
footer .logo-mark{background:var(--navy-2)}
.logo-text{font-family:Fraunces,serif;color:var(--navy);font-weight:600;line-height:1.05;font-size:1.45rem}
.logo-text small{display:block;font-family:Manrope,sans-serif;font-size:.62rem;margin-top:3px;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);font-weight:600}
nav.main{display:flex;align-items:center;gap:1.6rem}
nav.main a{text-decoration:none;font-weight:600;color:var(--navy);font-size:.96rem}
nav.main a:hover{color:var(--gold)}
.menu-btn{display:none;background:none;border:0;font-size:1.6rem;color:var(--navy);cursor:pointer}

/* hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:84px 0 96px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-120px;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,rgba(200,155,60,.28),transparent 65%)}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center;position:relative;z-index:1}
.hero-lion{position:absolute;left:-60px;bottom:-90px;width:560px;height:560px;color:#fff;opacity:.05;pointer-events:none}
.hero h1{color:#fff}
.hero h1.hero-big{font-size:clamp(3rem,7vw,5.6rem);line-height:1;letter-spacing:-.015em}
.hero h1.hero-big span{display:block;color:var(--gold);font-size:.72em;margin-top:.12em}
.hero .hero-sub{font-family:Fraunces,Georgia,serif;font-weight:600;font-size:clamp(1.5rem,2.7vw,2.1rem);color:#fff;margin-top:1.6rem;line-height:1.2;border-left:4px solid var(--gold);padding-left:18px}
.hero p.lead{margin-top:.9rem}

.hero h1 em{font-style:normal;color:var(--gold)}
.hero p.lead{color:#cfd9e6;margin:1.1rem 0 1.8rem}
.hero .ctas{display:flex;gap:.8rem;flex-wrap:wrap}
.hero-trust{display:flex;gap:1.6rem;margin-top:2rem;flex-wrap:wrap;font-size:.92rem;color:#cfd9e6}
.hero-trust b{color:#fff}
.stars{color:var(--green);letter-spacing:2px}
.quick{background:#fff;color:var(--ink);border-radius:18px;padding:28px;box-shadow:0 20px 50px rgba(0,0,0,.25)}
.quick h3{font-size:1.3rem}
.quick p{color:var(--muted);font-size:.95rem;margin-bottom:1rem}
.chips{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.chip{border:1.5px solid var(--line);border-radius:12px;padding:12px;font-weight:600;font-size:.93rem;text-decoration:none;color:var(--navy);display:flex;align-items:center;gap:.5rem;transition:.15s}
.chip:hover{border-color:var(--gold);background:var(--gold-soft)}
.chip span{font-size:1.2rem}

/* trust strip */
.strip{border-bottom:1px solid var(--line);padding:22px 0}
.strip .wrap{display:flex;justify-content:space-between;gap:1.5rem;flex-wrap:wrap;align-items:center;font-size:.92rem;color:var(--muted)}
.strip b{color:var(--navy)}

/* heritage band */
.heritage{padding:64px 0;background:var(--bg-2)}
.heritage .wrap{display:grid;grid-template-columns:150px 1fr auto;gap:40px;align-items:center}
.h-lion{width:150px;height:150px;color:var(--navy)}
.h-stats{display:grid;gap:14px}
.h-stats div{border-left:3px solid var(--gold);padding-left:14px}
.h-stats b{display:block;font-family:Fraunces,serif;font-size:1.8rem;color:var(--navy);line-height:1.1}
.h-stats span{color:var(--muted);font-size:.9rem}
@media (max-width:960px){.heritage .wrap{grid-template-columns:1fr;gap:22px}.h-lion{width:96px;height:96px}.h-stats{grid-template-columns:repeat(3,1fr)}}

/* cards */
.grid{display:grid;gap:22px}
.g4{grid-template-columns:repeat(4,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;transition:.2s;text-decoration:none;display:block}
a.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--gold)}
.card .ico{width:48px;height:48px;border-radius:12px;background:var(--gold-soft);display:grid;place-items:center;font-size:1.4rem;margin-bottom:14px}
.card p{color:var(--muted);font-size:.95rem}
.card .more{display:inline-block;margin-top:12px;font-weight:700;color:var(--navy);font-size:.92rem}
.sec-head{display:flex;justify-content:space-between;align-items:end;gap:2rem;margin-bottom:36px;flex-wrap:wrap}

/* steps */
.steps{counter-reset:s}
.step{position:relative;padding-left:64px}
.step::before{counter-increment:s;content:counter(s);position:absolute;left:0;top:0;width:44px;height:44px;border-radius:50%;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-family:Fraunces,serif;font-weight:600;font-size:1.2rem}
.step p{color:var(--muted);font-size:.95rem}

/* calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:0;border-radius:18px;overflow:hidden;box-shadow:var(--shadow);border:1px solid var(--line)}
.calc .in{padding:34px;background:#fff}
.calc .out{padding:34px;background:var(--navy);color:#fff;display:flex;flex-direction:column;justify-content:center}
.calc label{display:block;font-weight:600;font-size:.92rem;margin:14px 0 6px;color:var(--navy)}
.calc input[type=number]{width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:10px;font:inherit}
.calc input[type=range]{width:100%;accent-color:var(--gold)}
.out .big{font-family:Fraunces,serif;font-size:clamp(2.2rem,4vw,3.2rem);color:var(--gold);line-height:1.1;margin:.4rem 0}
.out small{color:#b9c6d8;font-size:.82rem}

/* reviews */
.review{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.review blockquote{font-size:1.02rem;margin:10px 0 14px;color:var(--ink)}
.review cite{font-style:normal;font-weight:700;color:var(--navy);font-size:.9rem}
.review cite span{color:var(--muted);font-weight:500}
.tp-bar{display:flex;align-items:center;gap:1rem;flex-wrap:wrap;background:#fff;border:1px solid var(--line);border-radius:999px;padding:10px 20px;font-weight:600}
.tp-bar .score{font-family:Fraunces,serif;font-size:1.5rem;color:var(--navy)}

/* team */
.person{text-align:center}
.team3{max-width:900px}
.avatar{aspect-ratio:1;border-radius:18px;background:linear-gradient(160deg,#dfe5ee,#c9d2df);display:grid;place-items:center;font-family:Fraunces,serif;font-size:2.4rem;color:var(--navy);margin-bottom:12px;position:relative}
.avatar::after{content:"Photo";position:absolute;bottom:10px;font-family:Manrope,sans-serif;font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.person b{display:block;color:var(--navy)}
.person span{color:var(--muted);font-size:.9rem}

/* areas */
.areas{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}
.areas span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 16px;font-weight:600;color:var(--navy);font-size:.92rem}

/* faq */
details{border-bottom:1px solid var(--line);padding:18px 0}
summary{cursor:pointer;font-weight:700;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:1rem}
summary::after{content:"+";font-size:1.4rem;color:var(--gold);line-height:1}
details[open] summary::after{content:"–"}
details p{color:var(--muted);margin-top:10px}

/* contact */
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:40px}
.contact-card{background:var(--navy);color:#fff;border-radius:18px;padding:34px}
.contact-card h3{color:#fff}
.contact-card a{color:var(--gold);text-decoration:none;font-weight:700}
.contact-card .row{padding:14px 0;border-bottom:1px solid rgba(255,255,255,.12)}
.contact-card .row small{display:block;color:#b9c6d8;font-size:.8rem;text-transform:uppercase;letter-spacing:.1em}
form.enq{background:#fff;border:1px solid var(--line);border-radius:18px;padding:34px;box-shadow:var(--shadow)}
form.enq .two{display:grid;grid-template-columns:1fr 1fr;gap:14px}
form.enq label{display:block;font-weight:600;font-size:.9rem;margin:12px 0 6px;color:var(--navy)}
form.enq input,form.enq select,form.enq textarea{width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:10px;font:inherit;background:#fff}
form.enq .consent{display:flex;gap:10px;align-items:flex-start;font-size:.85rem;color:var(--muted);margin:16px 0}
form.enq .consent input{width:auto;margin-top:4px}
.ok{display:none;background:#e8f7ef;border:1px solid #9fd8bb;border-radius:10px;padding:14px;margin-top:12px;color:#135c3a;font-weight:600}

/* risk banner */
.risk{background:var(--gold-soft);border-left:4px solid var(--gold);padding:16px 20px;border-radius:8px;font-weight:600;color:var(--navy);font-size:.95rem}

/* footer */
footer{background:#0c182b;color:#aebbd0;font-size:.9rem;padding:60px 0 30px}
footer h4{color:#fff;font-family:Manrope,sans-serif;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:14px}
footer a{color:#dfe6f0;text-decoration:none}
footer a:hover{color:var(--gold)}
footer ul{list-style:none}
footer li{margin-bottom:8px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px;margin-bottom:40px}
.legal{border-top:1px solid rgba(255,255,255,.1);padding-top:24px;font-size:.82rem;line-height:1.7}
.legal p{margin-bottom:10px}
.legal strong{color:#fff}

/* service page */
.page-hero{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;padding:64px 0}
.page-hero h1{color:#fff}
.page-hero .crumbs{font-size:.85rem;color:#b9c6d8;margin-bottom:14px}
.page-hero .crumbs a{color:#fff;text-decoration:none}
.page-hero p{color:#cfd9e6;max-width:680px;margin-top:14px;font-size:1.1rem}
.svc-body{display:grid;grid-template-columns:1.5fr .9fr;gap:48px}
.svc-body ul.ticks{list-style:none;margin:16px 0 24px}
.svc-body ul.ticks li{padding-left:30px;position:relative;margin-bottom:10px}
.svc-body ul.ticks li::before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:800}
.side{position:sticky;top:100px;align-self:start;background:var(--bg-2);border-radius:18px;padding:28px}
.side h3{margin-bottom:.6rem}
.side p{color:var(--muted);font-size:.95rem;margin-bottom:16px}
.side .btn{width:100%;justify-content:center;margin-bottom:10px}
.hidden{display:none}

/* sticky mobile call bar */
.mob-bar{display:none}

@media (max-width:960px){
  .hero .wrap,.calc,.contact-grid,.svc-body{grid-template-columns:1fr}
  .g4{grid-template-columns:repeat(2,1fr)}
  .g3{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
  .side{position:static}
}
@media (max-width:760px){
  body{font-size:16px}
  section{padding:60px 0}
  nav.main{display:none;position:absolute;top:84px;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;padding:20px;gap:1rem;border-bottom:1px solid var(--line)}
  nav.main.open{display:flex}
  .menu-btn{display:block}
  .g4,.g2{grid-template-columns:1fr}
  .chips{grid-template-columns:1fr 1fr}
  form.enq .two{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr}
  .topbar .hide-m{display:none}
  .mob-bar{display:grid;grid-template-columns:1fr 1fr;position:fixed;bottom:0;left:0;right:0;z-index:60;box-shadow:0 -4px 20px rgba(0,0,0,.12)}
  .mob-bar a{padding:15px;text-align:center;font-weight:700;text-decoration:none}
  .mob-bar a:first-child{background:var(--navy);color:#fff}
  .mob-bar a:last-child{background:var(--gold);color:#1a1405}
  footer{padding-bottom:90px}
}

/* WordPress additions */
.page-content{max-width:780px}
.page-content h2{margin:28px 0 10px}.page-content h3{margin:22px 0 8px}
.page-content p,.page-content li{margin-bottom:12px;color:var(--ink)}
.page-content ul{padding-left:22px;margin-bottom:16px}
.screen-reader-text{position:absolute;left:-9999px}