/* ═══════════════════════════════════════════════════════
   roofing-finance.css
   Finance page styles — J Shearer Roofing
   ═══════════════════════════════════════════════════════ */

/* ── Hero ──────────────────────────────────────────────── */
.roofing-finance-hero {
    background: linear-gradient(135deg, #014085 0%, #000c41 100%);
}

/* ── Finance Intro ─────────────────────────────────────── */
.finance-intro-banner {
    text-align: center;
    margin: 20px 0 30px;
}

.finance-intro-banner img {
    max-width: 100%;
    height: auto;
}

/* ── Finance Products ──────────────────────────────────── */
.finance-products-section {
    padding: 40px 0 20px;
}

.finance-products-section .header {
    text-align: center;
    margin-bottom: 36px;
}

.finance-products-section .header h2 {
    font-family: 'Barlow Condensed', sans-serif;
    font-size: 2rem;
    font-weight: 700;
    color: #014384;
    margin-bottom: 10px;
    text-transform: uppercase;
    letter-spacing: 0.03em;
}

.finance-products-section .header p {
    font-size: 1.2rem;
    color: #828080;
    max-width: 600px;
    margin: 0 auto;
}

.finance-products-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    max-width: 1100px;
    margin: 0 auto;
    padding: 0 20px;
}

.finance-product-card {
    background: #fff;
    border: 2px solid #e8edf4;
    border-radius: 8px;
    padding: 32px 24px 28px;
    text-align: center;
    transition: box-shadow 0.2s ease, border-color 0.2s ease;
}

.finance-product-card:hover {
    box-shadow: 0 6px 24px rgba(1, 67, 132, 0.12);
    border-color: #014384;
}

.finance-product-card.featured {
    background: linear-gradient(135deg, #014085 0%, #000c41 100%);
    border-color: #014085;
}

.finance-product-card .apr {
    font-family: 'Barlow Condensed', sans-serif;
    font-size: 3.2rem;
    font-weight: 700;
    color: #014384;
    line-height: 1;
    margin-bottom: 4px;
}

.finance-product-card.featured .apr {
    color: #6dcdff;
}

.finance-product-card .apr-label {
    font-size: 1rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: #828080;
    margin-bottom: 16px;
}

.finance-product-card.featured .apr-label {
    color: rgba(255,255,255,0.7);
}

.finance-product-card .product-name {
    font-family: 'Barlow Condensed', sans-serif;
    font-size: 1.5rem;
    font-weight: 700;
    color: #001055;
    text-transform: uppercase;
    letter-spacing: 0.04em;
    margin-bottom: 12px;
    padding-bottom: 16px;
    border-bottom: 2px solid #e8edf4;
}

.finance-product-card.featured .product-name {
    color: #fff;
    border-bottom-color: rgba(255,255,255,0.2);
}

.finance-product-card ul {
    list-style: none;
    padding: 0;
    margin: 16px 0 0;
    text-align: left;
}

.finance-product-card ul li {
    font-size: 1.15rem;
    color: #555;
    padding: 5px 0;
    display: flex;
    align-items: flex-start;
    gap: 10px;
}

.finance-product-card ul li::before {
    content: '\f00c';
    font-family: 'Font Awesome 5 Free';
    font-weight: 900;
    color: #014384;
    font-size: 0.9rem;
    flex-shrink: 0;
    margin-top: 3px;
}

.finance-product-card.featured ul li {
    color: rgba(255,255,255,0.9);
}

.finance-product-card.featured ul li::before {
    color: #6dcdff;
}

/* ── How It Works ──────────────────────────────────────── */
.finance-steps-section {
    background: #f4f7fb;
    padding: 52px 20px;
    margin: 40px 0 0;
}

.finance-steps-section .header {
    text-align: center;
    margin-bottom: 40px;
}

.finance-steps-section .header h2 {
    font-family: 'Barlow Condensed', sans-serif;
    font-size: 2rem;
    font-weight: 700;
    color: #014384;
    text-transform: uppercase;
    letter-spacing: 0.03em;
    margin-bottom: 8px;
}

.finance-steps-section .header p {
    color: #828080;
    font-size: 1.2rem;
}

.finance-steps-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
    max-width: 1000px;
    margin: 0 auto;
}

.finance-step {
    text-align: center;
}

.finance-step-number {
    width: 56px;
    height: 56px;
    background: #014384;
    color: #fff;
    border-radius: 50%;
    font-family: 'Barlow Condensed', sans-serif;
    font-size: 1.6rem;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 16px;
}

.finance-step h3 {
    font-family: 'Barlow Condensed', sans-serif;
    font-size: 1.7rem;
    letter-spacing: 0.04em;
    margin-bottom: 10px;
}

.finance-step p {
    font-size: 1.15rem;
    color: #828080;
    line-height: 1.6;
}

/* ── Calculator CTA ────────────────────────────────────── */
.finance-calculator-section {
    text-align: center;
    padding: 52px 20px;
    background: #fff;
    border-top: 3px solid #6dcdff;
    border-bottom: 3px solid #6dcdff;
    margin: 40px 0;
}

.finance-calculator-section h2 {
    font-family: 'Barlow Condensed', sans-serif;
    font-size: 2.2rem;
    font-weight: 700;
    color: #014384;
    text-transform: uppercase;
    letter-spacing: 0.03em;
    margin-bottom: 14px;
}

.finance-calculator-section p {
    color: #828080;
    font-size: 1.2rem;
    max-width: 620px;
    margin: 0 auto 28px;
    line-height: 1.6;
}

.finance-calc-btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: #6dcdff;
    color: #014384;
    font-family: 'Barlow Condensed', sans-serif;
    font-size: 1.3rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    text-decoration: none;
    padding: 16px 40px;
    border-radius: 4px;
    border: 2px solid #6dcdff;
    transition: background 0.2s, color 0.2s, transform 0.15s;
}

.finance-calc-btn:hover {
    background: #014384;
    border-color: #014384;
    color: #fff;
    transform: translateY(-2px);
}

/* ── Representative Examples ───────────────────────────── */
.finance-rep-examples {
    background: #f4f7fb;
    border-radius: 8px;
    padding: 36px 32px;
    margin: 40px 0;
}

.finance-rep-examples h2 {
    font-family: 'Barlow Condensed', sans-serif;
    font-size: 1.7rem;
    font-weight: 700;
    color: #014384;
    text-transform: uppercase;
    letter-spacing: 0.03em;
    margin-bottom: 6px;
}

.finance-rep-examples .rep-intro {
    font-size: 1.15rem;
    color: #828080;
    margin-bottom: 24px;
    line-height: 1.6;
}

.rep-example-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-bottom: 24px;
}

.rep-example-card {
    background: #fff;
    border: 1px solid #d8e2f0;
    border-radius: 6px;
    padding: 20px 18px;
}

.rep-example-card .rep-product {
    font-family: 'Barlow Condensed', sans-serif;
    font-size: 1.25rem;
    letter-spacing: 0.04em;
    margin-bottom: 12px;
    padding-bottom: 10px;
    border-bottom: 2px solid #e8edf4;
}

.rep-example-card table {
    width: 100%;
    border-collapse: collapse;
    font-size: 1.05rem;
    padding: 5px 0;
    color: #555;
    line-height: 1.5;
    vertical-align: top;
}

.rep-example-card table tr td:first-child {
    color: #828080;
    width: 55%;
}

.rep-example-card table tr td:last-child {
    font-weight: 600;
    color: #333;
    text-align: right;
}

.rep-example-card .monthly-highlight {
    margin-top: 12px;
    padding-top: 12px;
    border-top: 2px solid #e8edf4;
    text-align: center;
}

.rep-example-card .monthly-highlight .amount {
    font-family: 'Barlow Condensed', sans-serif;
    font-size: 1.9rem;
    font-weight: 700;
    color: #014384;
    line-height: 1;
    display: block;
}

.rep-example-card .monthly-highlight .amount-label {
    font-size: 0.95rem;
}

.finance-risk-statement {
    background: #fff8e1;
    border-left: 4px solid #e0a800;
    border-radius: 0 4px 4px 0;
    padding: 14px 18px;
    margin-top: 20px;
}

.finance-risk-statement p {
    font-size: 1.1rem !important;
    margin: 0 !important;
    line-height: 1.6;
}

/* ── Apply Section ─────────────────────────────────────── */
.finance-apply-section {
    background: linear-gradient(135deg, #014085 0%, #000c41 100%);
    padding: 56px 20px;
    text-align: center;
    margin: 0 0 40px;
}

.finance-apply-section h2 {
    font-family: 'Barlow Condensed', sans-serif;
    font-size: 2.2rem;
    font-weight: 700;
    color: #fff;
    text-transform: uppercase;
    letter-spacing: 0.03em;
    margin-bottom: 12px;
}

.finance-apply-section p {
    color: rgba(255,255,255,0.85);
    font-size: 1.2rem;
    max-width: 600px;
    margin: 0 auto 28px;
    line-height: 1.6;
}

.finance-apply-btns {
    display: flex;
    justify-content: center;
    gap: 16px;
    flex-wrap: wrap;
}

.finance-apply-btn--solid {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    background: #fff;
    color: #014384;
    font-family: 'Barlow Condensed', sans-serif;
    font-size: 1.2rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    text-decoration: none;
    padding: 15px 36px;
    border-radius: 4px;
    border: 2px solid #fff;
    transition: background 0.2s, transform 0.15s;
}

.finance-apply-btn--solid:hover {
    background: #e8f0fa;
    color: #014384;
    transform: translateY(-2px);
}

.finance-apply-btn--outline {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    background: transparent;
    color: #fff;
    font-family: 'Barlow Condensed', sans-serif;
    font-size: 1.2rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    text-decoration: none;
    padding: 15px 36px;
    border-radius: 4px;
    border: 2px solid #fff;
    transition: background 0.2s, color 0.2s, transform 0.15s;
}

.finance-apply-btn--outline:hover {
    background: #fff;
    color: #014384;
    transform: translateY(-2px);
}

/* ── FAQ Accordion ─────────────────────────────────────── */
.finance-faq-section {
    padding: 48px 0 20px;
}

.finance-faq-section h2 {
    font-family: 'Barlow Condensed', sans-serif;
    font-size: 1.9rem;
    font-weight: 700;
    color: #014384;
    text-transform: uppercase;
    letter-spacing: 0.03em;
    margin-bottom: 28px;
    text-align: center;
}

.faq-accordion {
    max-width: 860px;
    margin: 0 auto;
}

.faq-item {
    border-bottom: 1px solid #e8edf4;
}

.faq-item:first-child {
    border-top: 1px solid #e8edf4;
}

.faq-question {
    width: 100%;
    background: none;
    border: none;
    padding: 18px 44px 18px 4px;
    text-align: left;
    cursor: pointer;
    font-family: 'Montserrat', sans-serif;
    font-size: 1.25rem;
    font-weight: 700;
    color: #014384;
    position: relative;
    line-height: 1.4;
    transition: color 0.2s;
}

.faq-question:hover {
    color: #014384;
}

.faq-question::after {
    content: '\f078';
    font-family: 'Font Awesome 5 Free';
    font-weight: 900;
    font-size: 0.9rem;
    color: #014384;
    position: absolute;
    right: 6px;
    top: 50%;
    transform: translateY(-50%);
    transition: transform 0.25s ease;
}

.faq-item.open .faq-question::after {
    transform: translateY(-50%) rotate(180deg);
}

.faq-item.open .faq-question {
    color: #014384;
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s ease, padding 0.25s ease;
    padding: 0 4px;
}

.faq-item.open .faq-answer {
    max-height: 400px;
    padding: 0 4px 18px;
}

.faq-answer p {
    font-size: 1.1rem !important;
    color: #828080 !important;
    line-height: 1.7;
    margin: 0;
}

/* ── IAR Disclaimer ────────────────────────────────────── */
.finance-disclaimer {
    background: #f4f7fb;
    border-left: 4px solid #014384;
    padding: 20px 24px;
    margin: 40px 0 20px;
    border-radius: 0 4px 4px 0;
}

.finance-disclaimer p {
    font-size: 0.95rem !important;
    color: #666 !important;
    line-height: 1.6;
    margin: 0 0 8px;
}

.finance-disclaimer p:last-child {
    margin-bottom: 0;
}

/* ── Responsive ────────────────────────────────────────── */
@media only screen and (max-width: 900px) {
    .finance-products-grid,
    .rep-example-grid,
    .finance-steps-grid {
        grid-template-columns: 1fr;
        max-width: 480px;
        margin-left: auto;
        margin-right: auto;
    }
}

@media only screen and (max-width: 640px) {
    .finance-product-card .apr {
        font-size: 2.6rem;
    }

    .finance-apply-section h2 {
        font-size: 1.7rem;
    }

    .finance-apply-btns {
        flex-direction: column;
        align-items: center;
    }

    .finance-apply-btn--solid,
    .finance-apply-btn--outline {
        width: 100%;
        max-width: 300px;
        justify-content: center;
    }

    .finance-rep-examples {
        padding: 24px 16px;
    }
}