/* ============================================================
   SPECIALTY PAGES  (Copybook Part 5)
   Shared layout for VA, Self-Employed, 1099/Tipped, DSCR,
   First-Time Buyer, Refinance. Rides on top of site-1.css tokens.

   NOTE: this file was originally written for the dark theme and was
   never converted, so it painted `color: #fff` headings and
   rgba(255,255,255,0.03) cards straight onto the white page — six
   pages had invisible headings and near-invisible panels. It now
   follows the same rules as the home page: white page, navy ink,
   navy tiles for panels, pink accents, no second blue.
   ============================================================ */

/* ---- Hero ---- */
.sp-hero {
  position: relative;
  padding: 150px 0 70px;
  overflow: hidden;
  /* Transparent apart from one soft pink bloom, so the shared
     flow-field backdrop reads through exactly as on the home page. */
  background: radial-gradient(ellipse at 50% 6%, rgba(255, 77, 141, 0.10), transparent 62%);
}
.sp-hero .container { max-width: 900px; }
.sp-hero h1 {
  margin: 20px 0 24px;
  font-size: clamp(2.4rem, 5.6vw, 4.4rem);
  line-height: 1.04;
  letter-spacing: -0.025em;
  color: var(--light);
}
.sp-hero h1 .accent { color: var(--accent-text); }
.sp-lede {
  font-size: clamp(1.05rem, 1.5vw, 1.25rem);
  line-height: 1.6;
  color: var(--light-dim);
  max-width: 720px;
  margin-bottom: 30px;
}
.sp-hero-ctas { display: flex; flex-wrap: wrap; gap: 14px; }

/* Quick-fact chips under the hero, navy tiles like the home page's stats */
.sp-facts {
  display: flex; flex-wrap: wrap; gap: 12px;
  margin-top: 40px;
}
.sp-fact {
  /* Dark ground → the pink and gold INK flip back to the bright
     values here, the same way the navy panels do. */
  --accent-text: var(--accent);
  --gold-text: var(--gold);
  padding: 16px 22px;
  border-radius: 16px;
  border: 1px solid rgba(255, 255, 255, 0.10);
  background: var(--ink);
  box-shadow: 0 20px 48px -28px rgba(22, 33, 62, 0.45);
}
/* ---- The one stat rule, shared with loan-1.html / reason-1.html ----------
   VALUE  the quantity, large and light-weight, in white on the navy tile.
   UNIT   the suffix that qualifies it (%, mo, +, yr). 0.58em, pink.
          Pink belongs to the unit only. The digits stay white. Before this
          the six pages each accented something different — the number on one,
          the percent sign on the next, the whole token on a third — so no two
          figures were measured the same way.
   LABEL  a complete noun phrase naming what is measured, never the tail of a
          word begun in the value ("Vet" / "-Led", "Break" / "-Even First"). */
.sp-fact .v { display: block; font-size: 1.5rem; font-weight: 300; color: #fff; letter-spacing: -0.01em; font-variant-numeric: tabular-nums; }
.sp-fact .v .unit { font-size: 0.58em; font-weight: 500; color: var(--accent-text); letter-spacing: 0; margin-left: 1px; }
.sp-fact .l { display: block; font-size: 0.68rem; letter-spacing: 0.16em; text-transform: uppercase; color: rgba(255, 255, 255, 0.58); margin-top: 4px; }

/* ---- Prose body ("what it actually is") ---- */
.sp-prose { max-width: 760px; margin: 0 auto; }
.sp-prose h3 {
  color: var(--light);
  font-size: clamp(1.3rem, 2.4vw, 1.7rem);
  font-weight: 500;
  letter-spacing: -0.01em;
  margin: 40px 0 14px;
}
.sp-prose h3:first-child { margin-top: 0; }
.sp-prose h3 .accent { color: var(--accent-text); }
.sp-prose p { color: var(--light-dim); font-size: 1rem; line-height: 1.7; margin-bottom: 16px; }
.sp-prose p strong { color: var(--light); font-weight: 600; }
.sp-prose ul { list-style: none; margin: 4px 0 18px; padding: 0; }
.sp-prose ul li {
  position: relative;
  padding-left: 26px;
  margin-bottom: 10px;
  color: var(--light-dim);
  line-height: 1.6;
}
.sp-prose ul li::before {
  content: '';
  position: absolute; left: 0; top: 9px;
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--accent);
}

/* ---- Fits / does-not-fit two-column ---- */
.sp-cols {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  max-width: 940px;
  margin: 0 auto;
}
@media (max-width: 760px) { .sp-cols { grid-template-columns: 1fr; } }
.sp-col {
  padding: 30px 28px;
  border-radius: 20px;
  border: 1px solid rgba(255, 255, 255, 0.10);
  background: var(--ink);
  box-shadow: 0 22px 55px -30px rgba(22, 33, 62, 0.45);
  /* Flip the local text tokens so every descendant reads on navy. */
  /* Pink and gold TEXT go back to the bright values on this navy
     surface: #ff4d8d is 5.07:1 here, and the darker --accent-text
     would drop to 3.10:1. Same reason --light flips above. */
  --accent-text: var(--accent);
  --gold-text: var(--gold);
  --light: #ffffff;
  --light-dim: rgba(255, 255, 255, 0.82);
  --light-mute: rgba(255, 255, 255, 0.58);
  --line: rgba(255, 255, 255, 0.14);
}
.sp-col h3 { color: #fff; font-size: 1.15rem; font-weight: 600; margin-bottom: 18px; letter-spacing: -0.005em; }
.sp-col ul { list-style: none; margin: 0; padding: 0; }
.sp-col li {
  position: relative;
  padding-left: 30px;
  margin-bottom: 14px;
  color: rgba(255, 255, 255, 0.82);
  font-size: 0.95rem;
  line-height: 1.55;
}
.sp-col li::before {
  position: absolute; left: 0; top: 0;
  font-size: 1rem; font-weight: 700;
  line-height: 1.5;
}
.sp-col.fits li::before { content: '\2713'; color: var(--accent-text); }
/* Neutral, not red: red was the only red on the site. */
.sp-col.nofits li::before { content: '\2715'; color: rgba(255, 255, 255, 0.5); }

/* ---- What you'll need ---- */
.sp-need {
  max-width: 760px; margin: 0 auto;
  display: grid; grid-template-columns: 1fr 1fr; gap: 14px;
  list-style: none; padding: 0;
}
@media (max-width: 620px) { .sp-need { grid-template-columns: 1fr; } }
.sp-need li {
  position: relative;
  padding: 16px 18px 16px 44px;
  border-radius: 14px;
  border: 1px solid var(--line);
  background: #ffffff;
  box-shadow: 0 16px 40px -30px rgba(22, 33, 62, 0.45);
  color: var(--light-dim);
  font-size: 0.92rem;
  line-height: 1.5;
}
.sp-need li::before {
  content: '';
  position: absolute; left: 16px; top: 20px;
  width: 12px; height: 12px;
  border: 2px solid var(--accent);
  border-radius: 3px;
}

/* ---- Geo page helpers ---- */
.sp-prose a { color: var(--accent-text); font-weight: 600; }
.geo-areas { display: flex; flex-wrap: wrap; gap: 10px; max-width: 760px; margin: 0 auto; list-style: none; padding: 0; }
.geo-areas li {
  padding: 9px 15px; border-radius: 999px;
  border: 1px solid var(--line-strong);
  background: #ffffff;
  color: var(--light-dim); font-size: 0.85rem;
}

/* ---- FAQ (matches MPTSD.initFAQ markup) ---- */
.faq-list { max-width: 820px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-q {
  display: flex; width: 100%;
  justify-content: space-between; align-items: center;
  padding: 26px 4px; gap: 24px;
  text-align: left;
  background: none; border: 0; cursor: pointer;
  transition: color 0.3s var(--ease);
}
.faq-q span:first-child { font-size: clamp(1rem, 1.4vw, 1.15rem); color: var(--light); font-weight: 400; flex: 1; }
.faq-toggle {
  width: 32px; height: 32px; border-radius: 50%;
  border: 1px solid var(--line);
  display: grid; place-items: center;
  color: var(--accent-text); font-size: 1.1rem; line-height: 1;
  flex-shrink: 0;
  transition: all 0.4s var(--ease);
}
.faq-item.open .faq-toggle { background: var(--accent-fill); color: #fff; border-color: var(--accent); transform: rotate(45deg); }
.faq-item:hover .faq-q span:first-child { color: var(--accent-text); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.5s var(--ease); }
.faq-a-inner { padding: 4px 4px 24px; padding-right: 56px; }
.faq-a p { color: var(--light-dim); font-size: 0.95rem; line-height: 1.65; }