/* ==========================================================================
   Shared "insurance product" page template
   Used by: Home, Commercial, Car & Van, Life Assurance, Mortgage,
   Mortgage Protection, Pension, Income Protection, Personal Accident.
   Each page adds only its own tiny stylesheet for the hero photo / accent.
   ========================================================================== */

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

.product-hero {
	position: relative;
	padding: 60px 0;
	text-align: center;
	color: var(--color-text-invert);
	background-color: var(--color-primary-dark);
	background-size: cover;
	background-position: center;
	background-repeat: no-repeat;
}

.product-hero::before {
	content: "";
	position: absolute;
	inset: 0;
	background: linear-gradient(180deg, rgba(20, 6, 22, 0.15), rgba(20, 6, 22, 0.25));
}

.product-hero .container {
	position: relative;
}

.product-hero__title {
	display: inline-block;
	font-size: clamp(24px, 4vw, 34px);
	letter-spacing: 1px;
	padding-bottom: 10px;
	border-bottom: 1px solid var(--color-text-invert);
	max-width: 900px;
}

.product-hero__actions {
	margin-top: 32px;
	display: flex;
	flex-wrap: wrap;
	justify-content: center;
	gap: 16px;
}

.product-hero__contact {
	margin-top: 28px;
}

.product-hero__contact ul {
	display: flex;
	flex-wrap: wrap;
	justify-content: center;
	gap: 10px 28px;
	font-size: 0.95rem;
}

.product-hero__contact a:hover {
	text-decoration: underline;
}

/* Product detail sections ---------------------------------------------------- */

.product-detail {
	background-color: var(--color-surface);
	padding: 50px 0;
}

.product-block {
	display: flex;
	align-items: center;
	gap: 40px;
	padding: 30px 0;
}

.product-block + .product-block {
	border-top: 1px solid var(--color-border);
}

.product-block--reverse {
	flex-direction: row-reverse;
}

.product-block__media {
	flex: 0 0 auto;
	width: 42%;
}

.product-block__media img {
	border-radius: var(--radius);
	width: 100%;
}

.product-block__body {
	flex: 1 1 0;
	text-align: left;
}

.product-block__heading {
	font-size: 1.6rem;
	margin-bottom: 12px;
}

/* Secondary heading inside a block that already has a main heading
   above it (e.g. Home.html's "What's included in contents cover?"
   under "What is contents insurance?"). */
.product-block__subheading {
	font-size: 1.15rem;
	margin-top: 18px;
	margin-bottom: 10px;
}

.product-block__body p {
	margin-bottom: 14px;
}

.product-block__body p:last-child {
	margin-bottom: 0;
}

/* In-page "jump to section" links inside body copy, e.g. Pension.html's
   intro paragraph linking down to the Company Pensions / Preparing for
   Retirement blocks — needs its own style since links otherwise inherit
   plain body text color. */
.jump-link {
	color: var(--color-accent-dark);
	font-weight: bold;
	text-decoration: underline;
	text-underline-offset: 2px;
}

.jump-link:hover,
.jump-link:focus-visible {
	color: var(--color-accent);
}

.product-block__cta {
	margin-top: 20px;
}

.benefit-list {
	display: flex;
	flex-direction: column;
	gap: 14px;
}

.benefit-list__item {
	display: flex;
	align-items: flex-start;
	gap: 10px;
}

.benefit-list__icon {
	width: 22px;
	height: 22px;
	border-radius: 50%;
	flex-shrink: 0;
	margin-top: 2px;
}

.benefit-list__item strong {
	font-weight: bold;
}

.product-detail__quick-contact {
	margin-top: 40px;
	padding-top: 24px;
	border-top: 1px solid var(--color-border);
	display: flex;
	flex-wrap: wrap;
	justify-content: center;
	gap: 10px 32px;
	font-size: 1.1rem;
}

.product-detail__quick-contact a:hover {
	text-decoration: underline;
}

.quick-contact__item {
	display: flex;
	align-items: center;
	gap: 10px;
}

.quick-contact__icon {
	display: flex;
	align-items: center;
	justify-content: center;
	flex-shrink: 0;
	width: 30px;
	height: 30px;
	border-radius: 50%;
	background-color: var(--color-primary);
	color: var(--color-text-invert);
}

.quick-contact__icon svg {
	width: 15px;
	height: 15px;
}

/* "We specialise in" + in-page services grid --------------------------------- */

.specialise {
	background-color: var(--color-bg);
	padding: 40px 0;
	text-align: center;
}

.specialise__heading {
	display: inline-block;
	font-family: 'Playfair Display', var(--font-heading);
	font-weight: 600;
	font-size: clamp(22px, 3vw, 30px);
	letter-spacing: 0.4px;
	color: var(--color-primary);
	padding-bottom: 10px;
	border-bottom: 2px solid var(--color-accent);
}

.services-grid {
	background-color: var(--color-surface);
	padding: 48px 0 64px;
}

.services-grid__list {
	display: grid;
	grid-template-columns: repeat(3, 1fr);
	gap: 28px 48px;
	max-width: 960px;
	margin: 0 auto;
	text-align: center;
}

.services-grid__list ul {
	display: flex;
	flex-direction: column;
	gap: 16px;
}

.services-grid__list a {
	display: inline-block;
	padding: 4px 2px;
	font-size: 1rem;
	letter-spacing: 0.2px;
	transition: color var(--transition);
}

.services-grid__list a:hover,
.services-grid__list a:focus-visible {
	color: var(--color-accent-dark);
	text-decoration: underline;
}

@media (max-width: 700px) {
	.services-grid__list {
		grid-template-columns: 1fr;
		gap: 26px;
	}
}

/* FAQ accordion --------------------------------------------------------------
   Native <details>/<summary> so it works without JS and stays keyboard
   and screen-reader accessible. */

.faq-list {
	display: flex;
	flex-direction: column;
	gap: 10px;
}

.faq-item {
	border: 1px solid var(--color-border);
	border-radius: var(--radius);
	padding: 4px 18px;
}

.faq-item__question {
	position: relative;
	padding: 12px 28px 12px 0;
	font-weight: bold;
	color: var(--color-primary);
	cursor: pointer;
	list-style: none;
}

.faq-item__question::-webkit-details-marker {
	display: none;
}

.faq-item__question::after {
	content: "+";
	position: absolute;
	right: 2px;
	top: 50%;
	transform: translateY(-50%);
	font-size: 1.2rem;
	font-weight: bold;
	color: var(--color-accent);
	transition: transform var(--transition);
}

.faq-item[open] .faq-item__question::after {
	transform: translateY(-50%) rotate(45deg);
}

.faq-item__answer {
	margin: 0 0 16px;
	color: var(--color-text-muted);
}

/* Get in touch form section --------------------------------------------------- */

.get-in-touch {
	position: relative;
	padding: 0;
	background-color: var(--color-primary-dark);
	background-image: url(../img/get-in-touch.jpg);
	background-size: cover;
	background-position: center;
	background-repeat: no-repeat;
}

.get-in-touch::before {
	content: "";
	position: absolute;
	inset: 0;
	background: rgba(10, 5, 12, 0.15);
}

.get-in-touch .container {
	position: relative;
	max-width: 1600px;
}

/* "Get in Touch" heading band above the banner (photo already reads
   "GET IN TOUCH", so this is a plain section title, not an overlay). */
.get-in-touch-heading {
	background-color: var(--color-surface);
	padding: 36px 0 8px;
	text-align: center;
}

.get-in-touch-heading__title {
	display: inline-block;
	font-family: 'Playfair Display', var(--font-heading);
	font-weight: 600;
	font-size: clamp(28px, 4vw, 38px);
	letter-spacing: 0.5px;
	color: var(--color-primary);
}

/* Smaller, semi-transparent, left-aligned form card. */
.form-card {
	margin-left: 0;
	margin-right: auto;
	max-width: 420px;
	padding: 26px 28px;
	background: rgba(15, 12, 16, 0.58);
	backdrop-filter: blur(3px);
	border: 1px solid rgba(255, 255, 255, 0.12);
	color: var(--color-text-invert);
}

.form-card .form-field {
	margin-bottom: 14px;
}

.form-card .form-field input,
.form-card .form-field select,
.form-card .form-field textarea {
	padding: 10px 12px;
	font-size: 0.92rem;
	background-color: rgba(255, 255, 255, 0.96);
	border: 1.5px solid rgba(255, 255, 255, 0.25);
	border-radius: 8px;
	transition: border-color var(--transition), box-shadow var(--transition);
}

.form-card .form-field input:focus,
.form-card .form-field select:focus,
.form-card .form-field textarea:focus {
	outline: none;
	border-color: var(--color-accent);
	box-shadow: 0 0 0 3px rgba(30, 90, 4, 0.3);
}

.form-card .form-field textarea {
	min-height: 90px;
}

.form-card .btn {
	margin-top: 4px;
	padding: 13px 20px;
	font-size: 0.92rem;
	font-weight: bold;
	letter-spacing: 0.8px;
	text-transform: uppercase;
	border: 1px solid rgba(255, 255, 255, 0.25);
	background: linear-gradient(135deg, var(--color-accent), var(--color-accent-dark));
}

.form-card .btn:hover,
.form-card .btn:focus-visible {
	filter: brightness(1.12);
}

@media (max-width: 700px) {
	.form-card {
		margin-left: auto;
		margin-right: auto;
	}
}

.form-card .form-field label {
	font-size: 0.78rem;
	font-weight: 600;
	letter-spacing: 0.6px;
	text-transform: uppercase;
	color: rgba(255, 255, 255, 0.85);
	margin-bottom: 5px;
}

/* Responsive: stack media/text blocks on tablets and phones ------------------ */

@media (max-width: 860px) {
	.product-block,
	.product-block--reverse {
		flex-direction: column;
		gap: 20px;
	}

	.product-block__media {
		width: 100%;
	}

	.product-block__body {
		text-align: center;
	}

	.benefit-list__item {
		text-align: left;
	}
}