/* ============================================================
   Hearthstone Mortgages — late-page sections
   Who we are (13), Why Hearthstone (14), Team (15),
   Recognition (16), Free tools (17), Areas (18), FAQ (19),
   Final CTA (20). Appended as each section lands.
   ============================================================ */

/* -------------------- Who we are (section 13) -------------------- */
.hm-who__inner { max-width: 1200px; margin-inline: auto; display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; }
.hm-who__media { border-radius: var(--radius-xl); overflow: hidden; box-shadow: var(--shadow-lg); }
.hm-who__media img { width: 100%; height: 460px; object-fit: cover; object-position: center top; display: block; }
.hm-who__title { font-family: var(--font-heading); font-weight: 900; text-transform: uppercase; letter-spacing: -0.025em; font-size: var(--hm-h2); color: var(--hm-ink); margin: 0 0 1.5rem; line-height: 0.97; }
.hm-who__accent { color: var(--hm-gold-500); }
.hm-who__quote { border-left: 3px solid var(--hm-gold-500); padding-left: 1.25rem; margin: 0 0 1.5rem; }
.hm-who__quote p { font-family: var(--font-body); font-size: 1.03rem; line-height: 1.72; color: var(--hm-slate-700); margin: 0 0 0.65rem; }
.hm-who__quote cite { font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.04em; font-size: 0.75rem; color: var(--hm-blue-600); font-style: normal; }
.hm-who__copy { font-family: var(--font-body); font-size: 0.92rem; line-height: 1.72; color: var(--hm-slate-600); margin: 0 0 2rem; }
.hm-who__cta { display: flex; gap: 0.85rem; flex-wrap: wrap; }
@media (max-width: 880px) { .hm-who__inner { grid-template-columns: 1fr; gap: 2.5rem; } }

/* -------------------- Why Hearthstone (section 14) -------------------- */
.hm-whyhs__inner { max-width: 1200px; margin-inline: auto; display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; }
.hm-whyhs__title { font-family: var(--font-heading); font-weight: 900; text-transform: uppercase; letter-spacing: -0.025em; font-size: var(--hm-h2); color: var(--hm-ink); margin: 0 0 1.5rem; line-height: 0.97; }
.hm-whyhs__accent { color: var(--hm-gold-500); }
.hm-whyhs__reasons { list-style: none; margin: 0 0 2.25rem; padding: 0; display: flex; flex-direction: column; gap: 1rem; }
.hm-whyhs__reasons li { display: flex; gap: 0.85rem; align-items: flex-start; }
.hm-whyhs__check { flex-shrink: 0; margin-top: 0.05rem; width: 26px; height: 26px; border-radius: 50%; background: var(--hm-blue-600); display: inline-flex; align-items: center; justify-content: center; color: #fff; }
.hm-whyhs__reasons span:last-child { font-family: var(--font-body); font-size: 0.98rem; line-height: 1.6; color: var(--hm-slate-700); }
.hm-whyhs__stats { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.hm-whyhs__stat { background: var(--hm-gradient-mid); border-radius: 1.5rem; padding: 1.75rem 1.5rem; position: relative; overflow: hidden; }
.hm-whyhs__stat-ico { display: inline-flex; align-items: center; justify-content: center; width: 48px; height: 48px; border-radius: 0.75rem; background: rgba(243,179,50,0.2); color: var(--hm-gold-500); margin-bottom: 1rem; }
.hm-whyhs__stat-val { font-family: var(--font-heading); font-weight: 900; text-transform: uppercase; letter-spacing: -0.02em; font-size: 2.4rem; color: var(--hm-gold-500); margin-bottom: 0.3rem; line-height: 1; }
.hm-whyhs__stat-label { font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.04em; font-size: 0.82rem; color: #fff; margin-bottom: 0.3rem; }
.hm-whyhs__stat-sub { font-family: var(--font-body); font-size: 0.78rem; color: rgba(255,255,255,0.6); line-height: 1.4; }
@media (max-width: 880px) { .hm-whyhs__inner { grid-template-columns: 1fr; gap: 2.5rem; } }
@media (max-width: 460px) { .hm-whyhs__stats { grid-template-columns: 1fr; } }

/* -------------------- Team (section 15) -------------------- */
.hm-team__inner { max-width: 1200px; margin-inline: auto; }
.hm-team__head { display: flex; align-items: flex-end; justify-content: space-between; margin-bottom: 3rem; gap: 1rem; flex-wrap: wrap; }
.hm-team__title { font-family: var(--font-heading); font-weight: 900; text-transform: uppercase; letter-spacing: -0.025em; font-size: var(--hm-h2); color: var(--hm-ink); margin: 0; line-height: 0.97; }
.hm-team__accent { color: var(--hm-gold-500); }
.hm-team__grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 18px; }
.hm-team-card { position: relative; display: flex; flex-direction: column; background: var(--hm-white); border-radius: var(--radius-xl); overflow: hidden; box-shadow: var(--shadow-md); height: 100%; text-align: left; transition: transform 180ms var(--ease-out), box-shadow 180ms var(--ease-out); }
.hm-team-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); }
/* Whole card links to the profile via a stretched overlay; badges sit above it */
.hm-team-card__cover { display: flex; flex-direction: column; flex: 1; text-decoration: none; color: inherit; }
.hm-team-card__cover::after { content: ""; position: absolute; inset: 0; z-index: 1; }
/* Quick-view (opens bio modal) — sits above the cover overlay */
.hm-team-card__quick { position: absolute; top: 0.8rem; right: 0.8rem; z-index: 2; width: 38px; height: 38px; border-radius: 50%; border: none; cursor: pointer; display: inline-flex; align-items: center; justify-content: center; background: rgba(255,255,255,0.92); color: var(--hm-blue-700); box-shadow: var(--shadow-sm); backdrop-filter: blur(4px); transition: background-color 150ms var(--ease-out), transform 150ms var(--ease-out); }
.hm-team-card__quick:hover, .hm-team-card__quick:focus-visible { background: var(--hm-gold-500); color: var(--hm-ink); transform: scale(1.08); }
.hm-team-card__photo { height: 360px; background: var(--hm-blue-100); overflow: hidden; flex-shrink: 0; display: block; }
.hm-team-card__photo img { width: 100%; height: 100%; object-fit: cover; object-position: center top; display: block; }
.hm-team-card__body { padding: 1.3rem 1.4rem 0.6rem; display: flex; flex-direction: column; gap: 0.55rem; flex: 1; }
.hm-team-card__name { display: block; font-family: var(--font-heading); font-weight: 900; text-transform: uppercase; letter-spacing: -0.01em; font-size: 0.98rem; color: var(--hm-ink); margin: 0 0 0.2rem; line-height: 1.1; }
.hm-team-card__role { display: block; font-family: var(--font-body); font-size: 0.77rem; font-weight: 600; color: var(--hm-blue-600); margin: 0; }
.hm-team-card__creds { display: flex; flex-wrap: wrap; gap: 0.28rem; }
.hm-team-card__specialism { font-family: var(--font-body); font-size: 0.79rem; line-height: 1.55; color: var(--hm-slate-600); margin: 0; }
.hm-team-card__badges { position: relative; z-index: 2; display: flex; flex-wrap: wrap; gap: 0.4rem; padding: 0 1.4rem 1.3rem; }
.hm-team-card__badge { display: inline-flex; align-items: center; gap: 0.3rem; font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.04em; font-size: 0.58rem; color: var(--hm-blue-700); background: var(--hm-blue-50); border-radius: var(--radius-pill); padding: 0.32rem 0.6rem; text-decoration: none; transition: background-color 150ms var(--ease-out); }
a.hm-team-card__badge:hover { background: var(--hm-blue-100); }
.hm-team-card__badge svg { color: var(--hm-gold-600); }
.hm-team-card__badge--li svg { color: #0a66c2; }
.hm-team-card__cta { margin-top: auto; padding-top: 0.4rem; font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.05em; font-size: 0.7rem; color: var(--hm-blue-600); display: inline-flex; align-items: center; gap: 0.3rem; }
@media (prefers-reduced-motion: reduce) { .hm-team-card:hover { transform: none; } }
@media (max-width: 1000px) { .hm-team__grid { grid-template-columns: repeat(3,1fr); } }
@media (max-width: 720px)  { .hm-team__grid { grid-template-columns: repeat(2,1fr); } }
@media (max-width: 460px)  { .hm-team__grid { grid-template-columns: 1fr; } }

/* -------------------- Recognition (section 16) -------------------- */
.hm-recog__inner { max-width: 1200px; margin-inline: auto; }
.hm-recog__grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 16px; }
.hm-recog__card { background: var(--hm-gradient-mid); border-radius: 1.5rem; padding: 2rem 1.4rem; text-align: center; display: flex; flex-direction: column; align-items: center; gap: 0.7rem; box-shadow: var(--shadow-md); }
.hm-recog__ico { width: 60px; height: 60px; border-radius: 1rem; background: rgba(243,179,50,0.2); display: inline-flex; align-items: center; justify-content: center; color: var(--hm-gold-500); }
.hm-recog__val { font-family: var(--font-heading); font-weight: 900; text-transform: uppercase; letter-spacing: -0.01em; font-size: 1.1rem; color: #fff; line-height: 1.2; }
.hm-recog__label { font-family: var(--font-heading); font-weight: 700; text-transform: uppercase; letter-spacing: 0.04em; font-size: 0.7rem; color: var(--hm-gold-500); }
.hm-recog__sub { font-family: var(--font-body); font-size: 0.78rem; color: rgba(255,255,255,0.6); line-height: 1.4; }
@media (max-width: 860px) { .hm-recog__grid { grid-template-columns: repeat(2,1fr); } }
@media (max-width: 460px) { .hm-recog__grid { grid-template-columns: 1fr; } }
/* Awards strip */
.hm-awards { display: grid; grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); gap: 16px; margin-top: 16px; }
.hm-awards__item { display: flex; align-items: center; gap: 1rem; background: var(--hm-white); border: 1px solid var(--hm-slate-200); border-left: 4px solid var(--hm-gold-500); border-radius: var(--radius-xl); padding: 1.25rem 1.4rem; box-shadow: var(--shadow-sm); }
.hm-awards__ico { flex-shrink: 0; display: inline-flex; align-items: center; justify-content: center; width: 46px; height: 46px; border-radius: 0.85rem; background: var(--hm-gold-100); color: var(--hm-gold-700); }
.hm-awards__body { display: flex; flex-direction: column; gap: 0.15rem; }
.hm-awards__flag { font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.08em; font-size: 0.6rem; color: var(--hm-gold-700); }
.hm-awards__title { font-family: var(--font-heading); font-weight: 900; text-transform: uppercase; letter-spacing: -0.01em; font-size: 0.98rem; color: var(--hm-ink); line-height: 1.1; }
.hm-awards__meta { font-family: var(--font-body); font-size: 0.8rem; color: var(--hm-slate-600); }

/* -------------------- Free tools (section 17) -------------------- */
.hm-tools__inner { max-width: 1100px; margin-inline: auto; }
.hm-tools__lead { font-family: var(--font-body); font-size: 0.93rem; line-height: 1.7; color: var(--hm-slate-600); text-align: center; max-width: 70ch; text-wrap: balance; margin: -1.5rem auto 2.5rem; }
.hm-tools__grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 16px; }
.hm-tools__card { background: var(--hm-white); border: 1px solid var(--hm-slate-200); border-radius: 1.25rem; padding: 1.85rem 1.5rem; display: flex; flex-direction: column; gap: 0.85rem; box-shadow: var(--shadow-md); }
.hm-tools__ico { width: 54px; height: 54px; border-radius: 1rem; background: var(--hm-gradient-mid); color: var(--hm-gold-500); display: inline-flex; align-items: center; justify-content: center; }
.hm-tools__title { font-family: var(--font-heading); font-weight: 900; text-transform: uppercase; letter-spacing: -0.01em; font-size: 1rem; color: var(--hm-ink); margin: 0; line-height: 1.15; }
.hm-tools__body { font-family: var(--font-body); font-size: 0.85rem; line-height: 1.55; color: var(--hm-slate-600); margin: 0; flex: 1; }
.hm-tools__actions { display: flex; flex-direction: column; gap: 0.6rem; margin-top: 0.2rem; }
.hm-tools__fullpage { font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.05em; font-size: 0.68rem; color: var(--hm-blue-600); text-decoration: none; display: inline-flex; align-items: center; justify-content: center; gap: 0.35rem; }
.hm-tools__fullpage:hover { color: var(--hm-blue-800); }
@media (max-width: 900px) { .hm-tools__grid { grid-template-columns: repeat(2,1fr); } }
@media (max-width: 460px) { .hm-tools__grid { grid-template-columns: 1fr; } }

/* -------------------- Areas (section 18) -------------------- */
.hm-areas__inner { max-width: 1100px; margin-inline: auto; position: relative; text-align: center; }
.hm-areas__title { font-family: var(--font-heading); font-weight: 900; text-transform: uppercase; letter-spacing: -0.02em; font-size: var(--hm-h2); color: var(--hm-ink); margin: 0 0 0.85rem; line-height: 1.05; }
.hm-areas__lead { font-family: var(--font-body); font-size: 0.95rem; line-height: 1.7; color: var(--hm-slate-600); max-width: 54ch; margin: 0 auto 2.5rem; }
.hm-areas__distances { display: grid; grid-template-columns: repeat(4,1fr); gap: 12px; margin-bottom: 2.25rem; }
.hm-areas__distance { display: block; text-decoration: none; color: inherit; background: var(--hm-white); border: 1px solid var(--hm-slate-200); border-radius: var(--radius-xl); padding: 1.1rem; box-shadow: var(--shadow-sm); transition: transform 150ms var(--ease-out), border-color 150ms var(--ease-out), box-shadow 150ms var(--ease-out); }
.hm-areas__distance:hover { transform: translateY(-3px); border-color: var(--hm-blue-300); box-shadow: var(--shadow-md); }
.hm-areas__distance-ico { display: inline-flex; vertical-align: middle; color: var(--hm-gold-500); }
.hm-areas__distance-place { font-family: var(--font-heading); font-weight: 900; text-transform: uppercase; letter-spacing: 0.01em; font-size: 0.9rem; color: var(--hm-ink); margin-bottom: 0.25rem; }
.hm-areas__distance-detail { font-family: var(--font-body); font-size: 0.75rem; color: var(--hm-blue-600); }
.hm-areas__pills { display: flex; flex-wrap: wrap; gap: 0.5rem; justify-content: center; }
.hm-areas__pill { font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.06em; font-size: 0.7rem; background: var(--hm-white); border: 1px solid var(--hm-blue-100); color: var(--hm-blue-700); border-radius: var(--radius-pill); padding: 0.5rem 0.95rem; text-decoration: none; display: inline-flex; align-items: center; gap: 0.3rem; transition: background-color 150ms var(--ease-out), color 150ms var(--ease-out); }
.hm-areas__pill svg { color: var(--hm-gold-500); }
.hm-areas__pill:hover { background: var(--hm-blue-600); color: #fff; border-color: var(--hm-blue-600); }
.hm-areas__pill:hover svg { color: #fff; }
.hm-areas__all { margin: 1.25rem 0 0; }
.hm-areas__all a { font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.06em; font-size: 0.74rem; color: var(--hm-blue-600); text-decoration: none; }
.hm-areas__all a:hover { color: var(--hm-blue-800); }
.hm-areas__notes { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 14px; margin-top: 2.5rem; text-align: left; }
.hm-areas__note { background: var(--hm-white); border: 1px solid var(--hm-slate-200); border-radius: 1.25rem; padding: 1.4rem 1.5rem; box-shadow: var(--shadow-sm); }
.hm-areas__note-head { display: flex; align-items: center; gap: 0.45rem; margin-bottom: 0.6rem; }
.hm-areas__note-ico { color: var(--hm-gold-500); display: inline-flex; }
.hm-areas__note-area { font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.04em; font-size: 0.78rem; color: var(--hm-ink); }
.hm-areas__note-body { font-family: var(--font-body); font-size: 0.84rem; line-height: 1.6; color: var(--hm-slate-600); margin: 0; }
.hm-areas__map { margin-top: 2.5rem; border-radius: 1.5rem; overflow: hidden; border: 1px solid var(--hm-slate-200); box-shadow: var(--shadow-md); max-width: 920px; margin-inline: auto; }
@media (max-width: 760px) { .hm-areas__distances { grid-template-columns: repeat(2,1fr); } }

/* -------------------- FAQ (section 19) -------------------- */
.hm-faqsec__inner { max-width: 760px; margin-inline: auto; }
.hm-faqsec__eeat { display: flex; align-items: center; gap: 0.85rem; flex-wrap: wrap; justify-content: center; margin-top: 2.25rem; padding: 1rem 1.25rem; background: var(--hm-white); border: 1px solid var(--hm-slate-200); border-radius: 1rem; box-shadow: var(--shadow-sm); }
.hm-faqsec__eeat-ico { color: var(--hm-blue-600); display: inline-flex; flex-shrink: 0; }
.hm-faqsec__eeat-text { font-family: var(--font-body); font-size: 0.8rem; line-height: 1.6; color: var(--hm-slate-600); margin: 0; text-align: center; }
.hm-faqsec__eeat-text strong { color: var(--hm-ink); }
.hm-faqsec__eeat-text a { color: var(--hm-blue-700); font-weight: 600; }

/* -------------------- Final CTA (section 20) -------------------- */
.hm-finalcta { padding: clamp(3.5rem,7vw,6.5rem) var(--section-padding-x); }

/* Two columns: who you are talking to on the left, the enquiry on the right.
   The form is in the panel rather than behind a button, so the closing CTA is
   one step instead of three. */
.hm-finalcta__panel {
  max-width: 1200px; margin-inline: auto;
  display: grid; grid-template-columns: minmax(0,1.05fr) minmax(0,0.95fr);
  gap: clamp(2rem,4vw,3.5rem); align-items: center;
  background: var(--hm-gradient-mid); border-radius: var(--radius-xl);
  border-bottom: 4px solid var(--hm-gold-500);
  padding: clamp(2rem,4vw,3.25rem);
  box-shadow: 0 32px 70px -20px rgba(6,34,60,0.55);
}

.hm-finalcta__lead { color: #fff; min-width: 0; }
.hm-finalcta__faces { display: inline-flex; margin-bottom: 0.75rem; }
.hm-finalcta__team { font-family: var(--font-body); font-size: 0.82rem; color: rgba(255,255,255,0.75); margin: 0 0 1.1rem; }
.hm-finalcta__title { font-family: var(--font-heading); font-weight: 900; text-transform: uppercase; letter-spacing: -0.025em; font-size: var(--hm-h2); line-height: 1.03; color: #fff; margin: 0 0 0.9rem; text-wrap: balance; }
.hm-finalcta__body { font-family: var(--font-body); font-size: 1rem; line-height: 1.6; color: rgba(255,255,255,0.85); margin: 0 0 1.4rem; max-width: 46ch; }

.hm-finalcta__proof { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 0.5rem 1.4rem; }
.hm-finalcta__proof li { display: inline-flex; align-items: center; gap: 0.4rem; font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.05em; font-size: 0.62rem; color: rgba(255,255,255,0.78); }
.hm-finalcta__proof svg { color: var(--hm-gold-500); }
.hm-finalcta__proof a { color: inherit; text-decoration: none; }
.hm-finalcta__proof a:hover, .hm-finalcta__proof a:focus-visible { color: #fff; text-decoration: underline; text-underline-offset: 3px; }

/* Form card sits on white so the fields read as fields, not panel furniture. */
.hm-finalcta__form-wrap { background: #fff; border-radius: var(--radius-lg); padding: clamp(1.4rem,2.5vw,1.9rem); box-shadow: var(--shadow-md); }
.hm-finalcta__form-title { font-family: var(--font-heading); font-weight: 900; text-transform: uppercase; letter-spacing: 0.04em; font-size: 0.9rem; color: var(--hm-ink); margin: 0 0 0.35rem; }
.hm-finalcta__about { font-family: var(--font-body); font-size: 0.78rem; color: var(--hm-slate-600); margin: 0 0 0.9rem; }
.hm-finalcta__about strong { color: var(--hm-blue-700); }
.hm-finalcta__form .hm-field { margin-bottom: 0.7rem; }
.hm-finalcta__or { font-family: var(--font-body); font-size: 0.86rem; color: var(--hm-slate-600); margin: 0.9rem 0 0; text-align: center; }
.hm-finalcta__or a { display: inline-flex; align-items: center; gap: 0.3rem; color: var(--hm-blue-700); font-weight: 700; text-decoration: none; }
.hm-finalcta__or a:hover { text-decoration: underline; }
.hm-finalcta__small { font-family: var(--font-body); font-size: 0.7rem; color: var(--hm-slate-400); margin: 0.7rem 0 0; text-align: center; }
.hm-finalcta__small a { color: var(--hm-slate-500); }

.hm-finalcta__success { text-align: center; padding: 1.5rem 0.5rem; }
.hm-finalcta__success svg { color: var(--hm-gold-500); }
.hm-finalcta__success-title { font-family: var(--font-heading); font-weight: 900; text-transform: uppercase; font-size: 1rem; color: var(--hm-ink); margin: 0.5rem 0 0.35rem; }
.hm-finalcta__success p { font-family: var(--font-body); font-size: 0.9rem; color: var(--hm-slate-600); margin: 0; }

@media (max-width: 900px) {
  .hm-finalcta__panel { grid-template-columns: 1fr; }
}