/* Service page (adverse credit): split opener with the credit gauge, issues list, helps, voice band, checklist and FAQ. */

/* ---------- opener: split screen (16 mod 4 = 0) ---------- */
.svc-open { position: relative; background: var(--paper); padding: clamp(36px, 6vh, 72px) 0 clamp(48px, 7vh, 84px); overflow: clip; }
.svc-open::before { content: ''; position: absolute; right: 0; top: 0; bottom: 0; width: 38%; background: var(--mist); }
.svc-open__grid { position: relative; display: grid; grid-template-columns: minmax(0, 6fr) minmax(0, 6fr); gap: clamp(36px, 5vw, 88px); align-items: center; min-height: min(68vh, 640px); }
.svc-open__title { font-size: clamp(2.4rem, 4.4vw, 4.4rem); line-height: 1.04; letter-spacing: -0.03em; display: flow-root; }
.svc-open__lede { font-size: 1.2rem; line-height: 1.55; color: var(--slate); margin: 22px 0 0; }
.svc-open__ticks { display: flex; flex-wrap: wrap; gap: 10px 24px; margin-top: 24px; }
.svc-open__ticks li { position: relative; padding-left: 30px; font-family: var(--f-display); font-weight: 700; font-size: 1.1rem; }
.svc-open__ticks li::before { content: ''; position: absolute; left: 0; top: .2em; width: 20px; height: 20px; background: var(--ink); clip-path: polygon(14% 52%, 0 66%, 38% 100%, 100% 20%, 86% 6%, 37% 70%); }
.svc-open__actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 30px; }
.svc-open__media { width: min(100%, calc(var(--media-cap) * 1.2)); justify-self: end; }
.svc-open__media .frame__img { aspect-ratio: 4 / 3.2; }

.svc-widget { position: absolute; left: -48px; bottom: -36px; width: min(300px, 58%); background: #fff; border-radius: var(--r); padding: 18px 18px 14px; box-shadow: 0 24px 60px rgba(38,44,48,.2); }
.gauge svg { width: 100%; height: auto; overflow: visible; }
.gauge__track { fill: none; stroke: var(--mist); stroke-width: 22; }
.gauge__seg { fill: none; stroke-width: 22; }
.gauge__seg--poor { stroke: var(--ink); }
.gauge__seg--fair { stroke: var(--steel); }
.gauge__seg--good { stroke: var(--sky); }
.gauge__lbl { font-family: var(--f-hand); font-weight: 600; font-size: 26px; fill: var(--ink); }
.gauge__needle path { stroke: var(--ink); stroke-width: 7; stroke-linecap: round; }
.gauge__needle circle { fill: var(--sky); stroke: var(--ink); stroke-width: 5; }
.gauge__note { display: flex; align-items: center; gap: 8px; margin: 6px 0 0; color: var(--ink); }
.gauge__note .hand { font-size: 1.6rem; line-height: 1; }
.gauge__note .pin-ico { color: var(--ink); --pin-house: #fff; width: 24px; height: 32px; }

/* ---------- issues ---------- */
.issues { position: relative; padding: clamp(60px, 8vh, 100px) 0; background: var(--ink); color: #fff; overflow: clip; }
.issues .sec-title { color: #fff; }
.issues .sec-lede { color: rgba(255,255,255,.82); margin-top: 16px; }
.issues__grid { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: clamp(40px, 6vw, 100px); align-items: start; }
.issues__intro { position: relative; }
.issues__media { margin-top: 28px; width: min(100%, calc(var(--media-cap) * .9)); }
.issues__media::before { border-color: var(--sky); }
.issues__media .frame__img { aspect-ratio: 16 / 10; }
.issues__list { display: grid; gap: 0; }
.issue { position: relative; padding: 22px 0 22px; border-top: 1.5px solid rgba(255,255,255,.22); display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 8px 24px; align-items: baseline; }
.issue:last-child { border-bottom: 1.5px solid rgba(255,255,255,.22); }
.issue h3 { font-size: clamp(1.5rem, 2.2vw, 1.95rem); color: #fff; grid-column: 1; }
.issue__name { position: relative; display: inline-block; }
.issue__strike { position: absolute; left: -4px; right: -4px; top: 55%; height: 4px; background: var(--sky); transform-origin: left; transform: scaleX(1); border-radius: 2px; }
.issue p { grid-column: 1 / -1; margin: 4px 0 0; color: rgba(255,255,255,.82); font-size: 1.05rem; }
.issue__note { grid-column: 2; grid-row: 1; font-size: 1.7rem; color: var(--sky); white-space: nowrap; transform: rotate(-4deg); }

/* ---------- helps ---------- */
.helps { position: relative; padding: var(--sec) 0; background: var(--paper) url('../img/map-grid.svg') 0 0 / 64px 64px; overflow: clip; }
.helps__grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: clamp(16px, 2vw, 28px); }
.help { background: #fff; border-radius: var(--r); padding: 32px 28px 30px; border-top: 4px solid var(--sky); position: relative; overflow: hidden; }
.help::after { content: ''; position: absolute; right: -40px; bottom: -40px; width: 140px; height: 140px; border: 2px solid var(--mist); border-radius: 50%; }
.help__ico { width: 64px; height: 64px; margin-bottom: 20px; }
.help__ico * { fill: none; stroke: var(--ink); stroke-width: 3; stroke-linecap: round; stroke-linejoin: round; }
.help h3 { font-size: 1.5rem; margin-bottom: 12px; }
.help p { color: var(--slate); margin: 0; }

/* ---------- voice band ---------- */
.voice { position: relative; padding: clamp(80px, 12vh, 140px) 0; background: var(--sky); overflow: clip; }
.voice__route { position: absolute; inset: 0; width: 100%; height: 100%; color: var(--ink); opacity: .9; }
.voice__in { position: relative; padding-right: calc(var(--gut) + 150px); }
.voice__quote { margin: 0; }
.voice__quote p { font-family: var(--f-display); font-weight: 800; font-size: clamp(1.7rem, 3vw, 2.9rem); line-height: 1.2; letter-spacing: -0.02em; color: var(--ink); display: flow-root; margin: 0 0 22px; }
.voice__quote .q-by { font-size: 1.1rem; }
.voice__pin { position: absolute; right: var(--gut); top: 50%; margin-top: -74px; }
.voice__pin .pin-ico { width: 110px; height: 148px; color: var(--ink); --pin-house: #fff; filter: drop-shadow(0 18px 18px rgba(38,44,48,.22)); }

/* ---------- ready + faq ---------- */
.ready { position: relative; padding: var(--sec) 0; background: var(--mist); overflow: clip; }
.ready__grid { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: clamp(40px, 6vw, 100px); align-items: start; }
.ready__list .sec-lede { margin: 16px 0 26px; }
.checks li { display: flex; gap: 16px; align-items: flex-start; padding: 14px 0; border-bottom: 1.5px solid rgba(38,44,48,.12); font-size: 1.08rem; }
.checks__box { flex: none; width: 30px; height: 30px; border: 2px solid var(--ink); background: #fff; display: grid; place-items: center; border-radius: var(--r); }
.checks__box svg { width: 20px; height: 20px; }
.checks__box path { fill: none; stroke: var(--ink); stroke-width: 3; stroke-linecap: round; stroke-linejoin: round; }
.faq__title { font-size: clamp(1.6rem, 2.4vw, 2.2rem); margin-bottom: 20px; display: flow-root; }
.faq__item { background: #fff; border-radius: var(--r); margin-bottom: 10px; }
.faq__item h3 { font-size: inherit; margin: 0; }
.faq__q { display: block; }
.faq__item button { position: relative; width: 100%; display: block; padding: 22px 76px 22px 24px; background: none; border: 0; cursor: pointer; text-align: left; font-family: var(--f-display); font-weight: 800; font-size: 1.2rem; color: var(--ink); }
.faq__plus { position: absolute; right: 24px; top: 50%; margin-top: -17px; width: 34px; height: 34px; border: 2px solid var(--ink); }
.faq__plus::before, .faq__plus::after { content: ''; position: absolute; left: 50%; top: 50%; width: 14px; height: 2px; margin: -1px 0 0 -7px; background: var(--ink); transition: transform .35s var(--ease); }
.faq__plus::after { transform: rotate(90deg); }
.faq__item button[aria-expanded="true"] .faq__plus::after { transform: rotate(0deg); }
.faq__panel { overflow: hidden; }
.js:not(.motion-fail) .faq__panel { height: 0; }
.faq__panel[hidden] { display: none; }
.faq__panel p { padding: 0 24px 22px; margin: 0; color: var(--slate); }

@media (max-width: 1000px) {
  .helps__grid { grid-template-columns: minmax(0, 1fr); }
  .help { display: grid; grid-template-columns: 64px minmax(0, 1fr); gap: 0 22px; }
  .help__ico { grid-row: span 2; }
}
@media (max-width: 900px) {
  .svc-open::before { width: 100%; top: auto; height: 34%; }
  .svc-open__grid, .issues__grid, .ready__grid { grid-template-columns: minmax(0, 1fr); min-height: 0; }
  .svc-open__media { justify-self: start; margin-left: 40px; }
  .issues__intro { position: static; }
}
@media (max-width: 700px) {
  .svc-open { padding-top: 24px; }
  .svc-open__grid { gap: 30px; }
  .svc-open__title { font-size: 2.15rem; }
  .svc-open__lede { font-size: 1.08rem; margin-top: 14px; }
  .svc-open__ticks { margin-top: 16px; gap: 8px 18px; }
  .svc-open__ticks li { font-size: 1rem; }
  .svc-open__actions { margin-top: 20px; gap: 10px; }
  .svc-open__media .frame__img { aspect-ratio: 16 / 10; }
  .voice { padding-bottom: 150px; }
  .voice__route { top: auto; bottom: 0; height: 140px; }
  .svc-open__media { margin-left: 24px; }
  .svc-widget { left: -24px; width: 64%; padding: 12px; }
  .issue { grid-template-columns: minmax(0, 1fr); }
  .issue__note { grid-column: 1; grid-row: auto; font-size: 1.45rem; }
  .voice__in { padding-right: var(--gut); }
  .voice__pin { display: none; }
  .svc-open__actions .btn { flex: 1 1 100%; }
}

.help::after { animation: helpFloat 7s ease-in-out infinite alternate; }
.help:nth-child(2)::after { animation-delay: -2s; }
.help:nth-child(3)::after { animation-delay: -4s; }
@keyframes helpFloat { to { transform: translate(-26px, -18px) scale(1.15); } }

.ready { background: var(--mist) url('../img/map-grid.svg') 0 0 / 64px 64px; padding-bottom: calc(var(--sec) + 40px); }
.ready__route { position: absolute; left: 0; right: 0; bottom: 6px; width: 100%; height: 120px; color: var(--steel); pointer-events: none; }
.ready__route path { stroke-dasharray: 16 12; animation: readyDash 2.2s linear infinite; }
.ready__grid { position: relative; }
@keyframes readyDash { to { stroke-dashoffset: -112; } }

/* opener v2: the photo runs edge to edge on the right half (unframed), so it opens unlike the tool and contact pages */
.svc-open::before { display: none; }
.svc-open__grid { grid-template-columns: minmax(0, 1fr); }
.svc-open__copy { width: 50%; padding-right: clamp(24px, 3vw, 56px); }
.svc-open__media { position: absolute; top: 0; right: 0; bottom: 0; width: 46vw; max-width: none; justify-self: auto; }
.svc-open__media.frame::before { display: none; }
.svc-open__media .frame__img { position: absolute; inset: 0; aspect-ratio: auto; border-radius: 0; }
.svc-open__media .svc-widget { left: -60px; bottom: 48px; }
@media (max-width: 900px) {
  .svc-open__copy { width: auto; padding-right: 0; }
  .svc-open__media { position: relative; width: auto; height: 62vw; margin: 34px 0 calc(clamp(48px, 7vh, 84px) * -1); }
  .svc-open__media .svc-widget { left: var(--gut); bottom: 20px; }
}
@media (max-width: 700px) {
  .svc-open__media .svc-widget { left: 24px; width: min(280px, 70%); }
}

/* opener v2 height: a compact split band (50-75% of the screen) */
.svc-open { padding: clamp(40px, 6vh, 64px) 0 clamp(44px, 6.5vh, 72px); }
.svc-open__grid { min-height: 0; }
.svc-open__title { font-size: clamp(2.3rem, 4vw, 4rem); }
.svc-open__lede { margin-top: 16px; }
.svc-open__ticks { margin-top: 18px; }
.svc-open__actions { margin-top: 24px; }
.svc-open__media .svc-widget { bottom: 28px; width: min(270px, 52%); padding: 14px 14px 10px; }
@media (min-width: 901px) {
  .svc-open { min-height: 60vh; display: flex; align-items: center; }
  .svc-open > .wrap { width: 100%; }
}

.svc-open__media .frame__img img { object-position: var(--pos, 50% 50%); }
.svc-widget svg { overflow: visible; }

/* other situations: onward links at the foot of every service page */
.situations--more { background: var(--paper); }
.situations--more .situations__route { color: var(--sky); }

/* adverse credit issues: a tick beside each one (customer, 2026-10-07) */
.issue h3 { display: flex; align-items: center; gap: 16px; }
.issue__tick { flex: none; display: grid; place-items: center; width: 44px; height: 44px; background: var(--sky); border-radius: var(--r); }
.issue__tick svg { width: 30px; height: 30px; }
.issue__tick path { fill: none; stroke: var(--ink); stroke-width: 5; stroke-linecap: round; stroke-linejoin: round; }
.issue p { padding-left: 60px; }
@media (max-width: 700px) { .issue p { padding-left: 0; } .issue__tick { width: 38px; height: 38px; } }

/* at rest: the checklist's map grid drifts slowly, and the voice band keeps its pin on phones */
.ready { animation: readyGrid 48s linear infinite; }
@keyframes readyGrid { to { background-position: 128px 64px; } }
@media (max-width: 700px) {
  .voice__in { padding-right: calc(var(--gut) + 64px); }
  .voice__pin { display: block; top: auto; bottom: -96px; right: var(--gut); margin-top: 0; }
  .voice__pin .pin-ico { width: 54px; height: 73px; }
}
@media (prefers-reduced-motion: reduce) { .ready { animation: none; } }
/* the onward cards are two rows: keep the whole section on one 1080px screen */
.situations--more .card__link { height: clamp(236px, 27vh, 290px); }
.situations--more .sec-head { margin-bottom: clamp(20px, 3vh, 30px); }
/* the homepage's feature layout (one wide, two, three) is not for these onward cards: a plain three by two grid */
.situations--more .cards { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.situations--more .card, .situations--more .card:nth-child(2), .situations--more .card:nth-child(3) { grid-column: auto; }
@media (max-width: 1100px) { .situations--more .cards { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
/* protection closes the list as one wide tile (customer, 2026-10-08) */
.situations--more .card--feature { grid-column: 1 / -1; }
.situations--more .card--feature .card__link { height: clamp(170px, 19vh, 220px); }
/* three rows now (two of three, then protection), so the whole section still fits one screen */
.situations--more .card__link { height: clamp(210px, 24vh, 270px); }
@media (max-width: 700px) { .situations--more .cards { grid-template-columns: minmax(0, 1fr); } }

/* voice band (customer, 2026-10-08): the client's name sits a little lower and the route runs below it, never through it */
.voice { padding-bottom: clamp(150px, 19vh, 200px); }
.voice__route { top: auto; bottom: 0; height: clamp(110px, 14vh, 150px); }
.voice__quote .q-by { margin-top: 30px; }
/* phones: a pale strip under the opener photo, so it never runs straight into a dark set piece (section-bg-repeat) */
@media (max-width: 900px) { .svc-open { padding-bottom: 36px; } .svc-open__media { margin-bottom: 0; } }
@media (max-width: 700px) { .situations--more .card__link, .situations--more .card--feature .card__link { height: 280px; } }

/* ---------- FAQ straight after "What lenders look at" (adverse credit, customer 2026-10-26) ---------- */
.qa { position: relative; padding: var(--sec) 0; background: var(--mist) url('../img/map-grid.svg') 0 0 / 64px 64px; overflow: clip; animation: readyGrid 48s linear infinite; }
.qa__grid { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: clamp(40px, 6vw, 100px); align-items: start; }
.qa__intro .sec-lede { margin-top: 16px; }
.qa__media { margin-top: 34px; width: min(100%, calc(var(--media-cap) * .9)); }
.qa__media .frame__img { aspect-ratio: 16 / 11; }
.qa__ask { position: relative; display: flex; align-items: center; gap: 18px; margin-top: 18px; padding: 16px 24px 16px 16px; background: var(--ink); color: #fff; border-radius: var(--r); text-decoration: none; overflow: hidden; isolation: isolate; box-shadow: 0 22px 46px rgba(38,44,48,.22); }
.qa__ask::before { content: ''; position: absolute; inset: 0; z-index: -1; background: var(--sky); transform: scaleX(0); transform-origin: left; transition: transform .5s var(--ease); }
.qa__ask:hover, .qa__ask:focus-visible { color: var(--ink); }
.qa__ask:hover::before, .qa__ask:focus-visible::before { transform: scaleX(1); }
.qa__ask-pin { flex: none; width: 52px; height: 52px; display: grid; place-items: center; background: var(--sky); border-radius: var(--r); transition: background .35s; }
.qa__ask:hover .qa__ask-pin, .qa__ask:focus-visible .qa__ask-pin { background: #fff; }
.qa__ask-pin .pin-ico { width: 24px; height: 33px; color: var(--ink); --pin-house: #fff; }
.qa__ask-text { display: grid; gap: 2px; min-width: 0; }
.qa__ask-title { font-size: 1rem; color: rgba(255,255,255,.82); transition: color .35s; }
.qa__ask:hover .qa__ask-title, .qa__ask:focus-visible .qa__ask-title { color: var(--ink); }
.qa__ask-sub { font-family: var(--f-display); font-weight: 800; font-size: clamp(1.3rem, 1.8vw, 1.6rem); line-height: 1.15; letter-spacing: -0.01em; }
.qa__ask-arrow { margin-left: auto; flex: none; width: 30px; height: 18px; transition: transform .35s var(--ease); }
.qa__ask:hover .qa__ask-arrow, .qa__ask:focus-visible .qa__ask-arrow { transform: translateX(6px); }

/* ---------- success stories: each card's road runs from where the client started to where they got to ---------- */
.stories { position: relative; padding: var(--sec) 0; background: var(--ink) url('../img/map-grid.svg') 0 0 / 64px 64px; color: #fff; overflow: clip; animation: readyGrid 48s linear infinite reverse; }
.stories__route { position: absolute; inset: 0; width: 100%; height: 100%; color: var(--sky); opacity: .5; pointer-events: none; }
.stories .wrap { position: relative; }
.stories .sec-title { color: #fff; }
.stories .sec-lede { color: rgba(255,255,255,.82); }
.stories__list { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: clamp(16px, 2vw, 28px); align-items: stretch; perspective: 1200px; }
.story { position: relative; display: flex; flex-direction: column; padding: clamp(22px, 2vw, 30px); background: #fff; color: var(--ink); border-radius: var(--r); border-top: 4px solid var(--sky); box-shadow: 0 30px 60px rgba(0,0,0,.28); }
.story__trip { position: relative; margin-bottom: 14px; }
.story__from { display: flex; flex-wrap: wrap; gap: 8px; }
.story__from li { padding: 5px 12px; background: var(--mist); border-radius: var(--r); font-size: .92rem; font-weight: 600; line-height: 1.35; }
.story__road { position: relative; height: 40px; margin-top: 16px; }
.story__line { position: absolute; left: 0; top: 0; width: calc(100% - 15px); height: 40px; overflow: visible; }
.story__ghost { fill: none; stroke: var(--steel); stroke-width: 2.5; stroke-linecap: round; stroke-dasharray: 3 9; animation: storyDash 1.6s linear infinite; }
@keyframes storyDash { to { stroke-dashoffset: -24; } }
.story__ink { fill: none; stroke: var(--ink); stroke-width: 3.5; stroke-linecap: round; }
.story__start { position: absolute; left: 0; top: 24px; width: 12px; height: 12px; margin-left: -6px; border-radius: 50%; background: var(--ink); box-shadow: 0 0 0 4px var(--mist); }
.story__road .story__pin { position: absolute; right: 0; top: -8px; width: 30px; height: 41px; color: var(--ink); --pin-house: var(--sky); filter: drop-shadow(0 8px 8px rgba(38,44,48,.25)); }
.story__to { margin: 2px 0 0; text-align: right; line-height: 1; }
.story__to .hand { font-size: 1.65rem; color: var(--steel-deep); }
.story__title { font-size: clamp(1.3rem, 1.55vw, 1.5rem); line-height: 1.2; margin: 0 0 12px; text-wrap: balance; }
.story > p { margin: 0 0 12px; font-size: 1rem; line-height: 1.55; color: var(--slate); }
.story > .story__small { margin: auto 0 0; padding-top: 14px; border-top: 1.5px solid rgba(38,44,48,.12); font-size: .9rem; line-height: 1.5; }
.story > .story__title + p { margin-top: 0; }

/* the checklist takes a photo where the FAQ used to be */
.ready__media { justify-self: end; width: min(100%, calc(var(--media-cap) * 1.05)); }
.ready__media .frame__img { aspect-ratio: 4 / 3; }

@media (max-width: 1100px) {
  .stories__list { grid-template-columns: minmax(0, 1fr); }
}
@media (max-width: 900px) {
  .qa__grid { grid-template-columns: minmax(0, 1fr); gap: 40px; }
  .qa__media { width: calc(100% - 16px); }
  .ready__media { justify-self: start; width: calc(100% - 16px); margin-top: 12px; }
}
@media (max-width: 700px) {
  .qa__ask { padding: 14px 16px 14px 14px; gap: 14px; }
  .qa__ask-pin { width: 44px; height: 44px; }
}
@media (prefers-reduced-motion: reduce) { .qa, .stories { animation: none; } .story__ghost { animation: none; } }
/* headings and ledes in the new sections wrap into even lines, never a stranded word */
.qa .sec-title, .qa .sec-lede, .stories .sec-title, .stories .sec-lede, .story__title { text-wrap: balance; }

/* no plain colour sections (site-audit plain-bg, 2026-10-26): the map grid behind the opener, the issues and the voice band */
.svc-open { background-image: url('../img/map-grid.svg'); background-size: 64px 64px; }
.issues { background-image: url('../img/map-grid.svg'); background-size: 64px 64px; }
.voice { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='64' height='64'%3E%3Cpath d='M64 0H0V64' fill='none' stroke='%23fff' stroke-opacity='.4'/%3E%3C/svg%3E"); background-size: 64px 64px; animation: readyGrid 48s linear infinite; }
@media (prefers-reduced-motion: reduce) { .voice { animation: none; } }
.ready .sec-title { text-wrap: balance; }

/* stories fit one 900px screen: a tighter section, and the middle card (the longest story) gets more width */
.stories { padding: clamp(56px, 8vh, 96px) 0; }
.stories .sec-head { margin-bottom: clamp(24px, 3.4vh, 36px); }
.stories__list { grid-template-columns: minmax(0, 1fr) minmax(0, 1.3fr) minmax(0, 1fr); }
.story { padding: clamp(20px, 1.8vw, 28px); }
.story > p { font-size: .98rem; line-height: 1.5; margin-bottom: 10px; }
.story__road { margin-top: 12px; }
.story__trip { margin-bottom: 10px; }
.story > .story__small { padding-top: 12px; }
@media (max-width: 1100px) { .stories__list { grid-template-columns: minmax(0, 1fr); } }