/* ═══════════════════════════════════════════════════════
   MAIN STYLESHEET — Friendly Finance
   Single external file. No inline CSS in HTML.
   ═══════════════════════════════════════════════════════ */

/* ── Reset & Base ──────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  /* Colour tokens — Friendly Finance brand */
  --colour-primary:    #233158;
  --colour-accent:     #9BCEAF;
  --colour-accent-dark:#6ba884;
  --colour-text:       #2d2d2d;
  --colour-text-light: #666;
  --colour-bg:         #ffffff;
  --colour-bg-alt:     #F0EFEE;
  --colour-border:     #e0e0e0;

  /* Typography tokens */
  --font-body:    'Open Sans', system-ui, -apple-system, sans-serif;
  --font-heading: 'Open Sans', system-ui, -apple-system, sans-serif;

  /* Spacing scale */
  --space-xs:  4px;
  --space-sm:  8px;
  --space-md:  16px;
  --space-lg:  32px;
  --space-xl:  64px;
  --space-xxl: 96px;

  /* Layout */
  --container-max: 1200px;
}

html { font-size: 16px; scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--colour-text);
  background: var(--colour-bg);
  line-height: 1.6;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--colour-accent-dark); text-decoration: none; }
a:hover { text-decoration: underline; color: var(--colour-primary); }

/* ── Container ─────────────────────────────────────── */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 var(--space-lg);
}

/* ── Typography ────────────────────────────────────── */
h1, h2, h3, h4 {
  font-family: var(--font-heading);
  color: var(--colour-primary);
  line-height: 1.2;
}
h1 { font-size: clamp(2rem, 4vw, 3rem); margin-bottom: var(--space-md); }
h2 { font-size: clamp(1.5rem, 3vw, 2.25rem); margin-bottom: var(--space-md); }
h3 { font-size: 1.25rem; margin-bottom: var(--space-sm); }
p  { margin-bottom: var(--space-md); }

/* ── Header / Nav ──────────────────────────────────── */
.site-header {
  background: var(--colour-primary);
  position: sticky;
  top: 0;
  z-index: 100;
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}
.nav-links {
  display: flex;
  list-style: none;
  gap: var(--space-lg);
}
.nav-links a {
  color: #fff;
  font-weight: 500;
  transition: opacity 0.2s;
}
.nav-links a:hover,
.nav-links a.active { opacity: 0.8; text-decoration: none; color: #fff; }

/* Dropdown nav */
.nav-item { position: relative; }
.nav-item .dropdown {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  background: var(--colour-primary);
  min-width: 200px;
  padding: var(--space-sm) 0;
  border-radius: 0 0 4px 4px;
  box-shadow: 0 4px 12px rgba(0,0,0,0.15);
  list-style: none;
}
.nav-item:hover .dropdown { display: block; }
.nav-item .dropdown li { padding: 0; }
.nav-item .dropdown a {
  display: block;
  padding: var(--space-sm) var(--space-md);
  white-space: nowrap;
  color: #fff;
}
.nav-item .dropdown a:hover { background: rgba(255,255,255,0.08); }

/* CTA button */
.btn {
  display: inline-block;
  padding: var(--space-sm) var(--space-lg);
  border-radius: 4px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  font-size: 0.85rem;
  transition: background 0.2s, color 0.2s;
}
.btn-primary {
  background: var(--colour-accent);
  color: var(--colour-primary);
}
.btn-primary:hover {
  background: var(--colour-accent-dark);
  color: #fff;
  text-decoration: none;
}
.btn-outline {
  border: 2px solid var(--colour-accent);
  color: var(--colour-accent);
  background: transparent;
}
.btn-outline:hover {
  background: var(--colour-accent);
  color: var(--colour-primary);
  text-decoration: none;
}

/* Service cards grid */
.service-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: var(--space-lg);
  margin: var(--space-xl) 0;
}
.service-card {
  background: var(--colour-bg-alt);
  padding: var(--space-lg);
  border-radius: 8px;
  border-left: 4px solid var(--colour-accent);
}
.service-card h3 { margin-bottom: var(--space-sm); }

/* Testimonial */
.testimonial {
  background: var(--colour-bg-alt);
  padding: var(--space-lg);
  border-radius: 8px;
  margin-bottom: var(--space-lg);
  border-left: 4px solid var(--colour-accent);
}
.testimonial-author { font-weight: 600; margin-top: var(--space-sm); }

/* Mobile nav toggle — hidden on desktop */
.nav-toggle { display: none; }

/* ── Skip link (accessibility) ─────────────────────── */
.skip-link {
  position: absolute;
  top: -100%;
  left: var(--space-md);
  background: var(--colour-accent);
  color: var(--colour-primary);
  padding: var(--space-sm) var(--space-md);
  border-radius: 4px;
  font-weight: 600;
  z-index: 200;
}
.skip-link:focus { top: var(--space-sm); }

/* ── Breadcrumb ────────────────────────────────────── */
.breadcrumb {
  background: var(--colour-bg-alt);
  padding: var(--space-sm) 0;
  font-size: 0.85rem;
}
.breadcrumb ol {
  display: flex;
  list-style: none;
  gap: var(--space-xs);
}
.breadcrumb li:not(:last-child)::after {
  content: "›";
  margin-left: var(--space-xs);
  color: var(--colour-text-light);
}
.breadcrumb a { color: var(--colour-text-light); }
.breadcrumb a:hover { color: var(--colour-accent-dark); }
.breadcrumb [aria-current] { color: var(--colour-text); font-weight: 500; }

/* ── Hero ──────────────────────────────────────────── */
.hero {
  background: var(--colour-primary);
  color: #fff;
  padding: var(--space-xxl) 0 var(--space-xl);
  text-align: center;
}
.hero h1 { color: #fff; }
.hero-badge {
  display: inline-block;
  background: rgba(255,255,255,0.12);
  padding: var(--space-xs) var(--space-md);
  border-radius: 20px;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  margin-bottom: var(--space-md);
}
.hero-sub { font-size: 1.125rem; opacity: 0.85; max-width: 640px; margin: 0 auto; }

/* ── Page content ──────────────────────────────────── */
.page-content { padding: var(--space-xl) 0; }

/* ── Article ───────────────────────────────────────── */
.article-header {
  background: var(--colour-primary);
  color: #fff;
  padding: var(--space-xl) 0;
}
.article-header h1 { color: #fff; }
.article-meta {
  display: flex;
  gap: var(--space-lg);
  font-size: 0.9rem;
  opacity: 0.8;
  margin-top: var(--space-md);
}
.article-body { max-width: 720px; }

/* ── FAQ ───────────────────────────────────────────── */
.faq-section {
  background: var(--colour-bg-alt);
  padding: var(--space-xl) 0;
}
.faq-section details {
  border-bottom: 1px solid var(--colour-border);
  padding: var(--space-md) 0;
}
.faq-section summary {
  font-weight: 600;
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.faq-section summary::after { content: "+"; font-size: 1.25rem; }
.faq-section details[open] summary::after { content: "−"; }
.faq-section details p { margin-top: var(--space-sm); color: var(--colour-text-light); }

/* ── Footer ────────────────────────────────────────── */
.site-footer {
  background: var(--colour-primary);
  color: rgba(255,255,255,0.7);
  padding: var(--space-xl) 0 var(--space-lg);
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: var(--space-xl);
}
.footer-tagline { margin-top: var(--space-sm); font-size: 0.9rem; }
.footer-col h4 { color: #fff; margin-bottom: var(--space-md); }
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: var(--space-sm); }
.footer-col a { color: rgba(255,255,255,0.7); }
.footer-col a:hover { color: #fff; text-decoration: none; }
.footer-bottom {
  margin-top: var(--space-xl);
  padding-top: var(--space-lg);
  border-top: 1px solid rgba(255,255,255,0.1);
  display: flex;
  justify-content: space-between;
  font-size: 0.85rem;
}

/* ── Responsive ────────────────────────────────────── */
@media (max-width: 768px) {
  .nav-toggle { display: block; }
  .nav-links { display: none; }
  .nav-links.open { display: flex; flex-direction: column; }
  .nav-item .dropdown { position: static; box-shadow: none; }
  .footer-grid { grid-template-columns: 1fr; gap: var(--space-lg); }
  .footer-bottom { flex-direction: column; gap: var(--space-sm); }
  .service-cards { grid-template-columns: 1fr; }
}