/* ============================================================
   Hearthstone Mortgages — Service pages (BOFU)
   Reuses location.css hero/side/h2/note2 helpers; adds service bits.
   ============================================================ */

/* Hero */
.hm-svc-hero { padding: clamp(2rem,3.5vw,4.5rem) var(--section-padding-x) clamp(2.5rem,4vw,5.5rem); overflow: hidden; }
.hm-svc-hero__grid { max-width: var(--container-xl); margin-inline: auto; display: grid; grid-template-columns: minmax(0, 1fr) 520px; gap: clamp(2rem,4vw,4rem); align-items: center; }
.hm-svc-hero__title { font-family: var(--font-heading); font-weight: 900; text-transform: uppercase; letter-spacing: -0.025em; line-height: 0.98; font-size: var(--hm-h1); color: #fff; margin: 0 0 1.1rem; }
.hm-svc-hero__sub { font-family: var(--font-body); font-size: clamp(0.95rem,1.5vw,1.1rem); line-height: 1.6; color: rgba(255,255,255,0.85); max-width: 52ch; margin: 0 0 1.5rem; }
.hm-svc-hero__cta { display: flex; flex-wrap: wrap; gap: 0.85rem; margin-bottom: 1.5rem; }
@media (max-width: 900px) { .hm-svc-hero__grid { grid-template-columns: 1fr; } }

/* Specialist mini-card */
.hm-svc-spec { background: var(--hm-white); border-radius: var(--radius-xl); overflow: hidden; box-shadow: 0 28px 70px rgba(6,34,60,0.4); }
.hm-svc-spec__band { font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.08em; font-size: 0.72rem; color: #fff; text-align: center; margin: 0; padding: 0.85rem; background: var(--hm-gradient-mid); border-bottom: 3px solid var(--hm-gold-500); }
.hm-svc-spec__inner { padding: 1.5rem 1.5rem 1.6rem; text-align: center; }
.hm-svc-spec__photo { width: 96px; height: 96px; border-radius: 50%; object-fit: cover; object-position: center top; margin: 0 auto 0.85rem; display: block; box-shadow: 0 0 0 3px var(--hm-blue-50); }
.hm-svc-spec__name { font-family: var(--font-heading); font-weight: 900; text-transform: uppercase; font-size: 1.05rem; color: var(--hm-ink); }
.hm-svc-spec__role { font-family: var(--font-body); font-size: 0.8rem; color: var(--hm-blue-600); margin: 0.15rem 0 0.6rem; }
.hm-svc-spec__link { background: none; border: none; cursor: pointer; font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.04em; font-size: 0.66rem; color: var(--hm-blue-600); margin-bottom: 1rem; }
.hm-svc-spec__fca { display: inline-flex; align-items: center; gap: 0.35rem; margin-top: 0.85rem; font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.04em; font-size: 0.6rem; color: var(--hm-slate-600); text-decoration: none; }
.hm-svc-spec__fca svg { color: var(--hm-blue-600); }
@media (max-width: 900px) { .hm-svc-spec { max-width: 420px; margin-inline: auto; width: 100%; } }

/* Body + sidebar */
.hm-svc-body__inner { max-width: var(--container-lg); margin-inline: auto; display: grid; grid-template-columns: 1fr 340px; gap: clamp(2rem,4vw,3.5rem); align-items: start; }
.hm-svc-main > * + * { margin-top: 1.25rem; }
.hm-svc-main .hm-area-h2 { margin-top: 2.25rem; }
.hm-svc-lead { font-family: var(--font-body); font-size: 1.15rem; line-height: 1.6; color: var(--hm-ink); font-weight: 500; }
.hm-svc-main p { font-family: var(--font-body); font-size: 1.02rem; line-height: 1.75; color: var(--hm-slate-700); }

/* Criteria definition grid */
.hm-svc-criteria { display: grid; grid-template-columns: 1fr 1fr; gap: 0; border: 1px solid var(--hm-slate-200); border-radius: var(--radius-lg); overflow: hidden; margin: 0; }
.hm-svc-criteria__row { display: contents; }
.hm-svc-criteria dt { font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.03em; font-size: 0.72rem; color: var(--hm-slate-600); padding: 0.9rem 1.1rem; background: var(--hm-blue-50); border-bottom: 1px solid var(--hm-slate-200); }
.hm-svc-criteria dd { font-family: var(--font-body); font-size: 0.95rem; color: var(--hm-ink); font-weight: 600; padding: 0.9rem 1.1rem; margin: 0; border-bottom: 1px solid var(--hm-slate-200); }
.hm-svc-criteria__row:last-child dt, .hm-svc-criteria__row:last-child dd { border-bottom: none; }

/* Lists */
.hm-svc-list { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 0.7rem; }
.hm-svc-list li { display: flex; align-items: flex-start; gap: 0.6rem; font-family: var(--font-body); font-size: 1rem; line-height: 1.55; color: var(--hm-slate-700); }
.hm-svc-list svg { flex-shrink: 0; margin-top: 0.15rem; color: var(--hm-success); }
.hm-svc-list--x svg { color: var(--hm-blue-600); }

/* Steps */
.hm-svc-steps { list-style: none; padding: 0; margin: 0; counter-reset: s; display: flex; flex-direction: column; gap: 1rem; }
.hm-svc-steps li { display: flex; gap: 1rem; align-items: flex-start; }
.hm-svc-steps__n { flex-shrink: 0; width: 36px; height: 36px; border-radius: 50%; background: var(--hm-blue-600); color: #fff; font-family: var(--font-heading); font-weight: 900; display: flex; align-items: center; justify-content: center; font-size: 1rem; line-height: 1; }
.hm-svc-steps li strong { display: block; font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: -0.01em; font-size: 0.95rem; color: var(--hm-ink); }
.hm-svc-steps li div span { display: block; font-family: var(--font-body); font-size: 0.95rem; line-height: 1.6; color: var(--hm-slate-600); margin-top: 0.2rem; }
.hm-svc-timescale { display: flex; align-items: center; gap: 0.5rem; font-family: var(--font-body); font-size: 0.95rem; color: var(--hm-slate-700); }
.hm-svc-timescale svg { color: var(--hm-blue-600); }

/* Aside */
.hm-svc-aside__lead { font-family: var(--font-body); font-size: 0.9rem; line-height: 1.55; color: rgba(255,255,255,0.85); margin: 0 0 1rem; }
.hm-svc-aside__phone { display: inline-flex; align-items: center; gap: 0.45rem; margin-top: 0.85rem; font-family: var(--font-heading); font-weight: 800; color: #fff; text-decoration: none; font-size: 0.95rem; }
.hm-svc-aside__phone svg { color: var(--hm-gold-500); }
.hm-svc-calc { width: 100%; display: flex; align-items: center; gap: 0.6rem; justify-content: center; background: var(--hm-white); border: 1.5px solid var(--hm-blue-200); border-radius: var(--radius-lg); padding: 1rem; cursor: pointer; font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.03em; font-size: 0.74rem; color: var(--hm-blue-700); box-shadow: var(--shadow-sm); }
.hm-svc-calc:hover { border-color: var(--hm-blue-400); }
.hm-svc-calc svg { color: var(--hm-blue-600); }
.hm-svc-calc__full { display: inline-block; margin-top: 0.6rem; font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.03em; font-size: 0.66rem; color: var(--hm-blue-700); text-decoration: none; }
.hm-svc-calc__full:hover { color: var(--hm-gold-600); }
@media (max-width: 880px) { .hm-svc-body__inner { grid-template-columns: 1fr; } }

/* Case study */
.hm-svc-case__inner { max-width: var(--container-lg); margin-inline: auto; }
.hm-svc-case__client { font-family: var(--font-body); font-style: italic; color: var(--hm-slate-600); margin: 0 0 1.5rem; }
.hm-svc-case__grid { display: grid; grid-template-columns: 1fr 300px; gap: clamp(1.5rem,3vw,2.5rem); align-items: start; }
.hm-svc-case__h { font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.03em; font-size: 0.8rem; color: var(--hm-blue-700); margin: 1.25rem 0 0.35rem; }
.hm-svc-case__story p { font-family: var(--font-body); font-size: 1rem; line-height: 1.65; color: var(--hm-slate-700); margin: 0; }
.hm-svc-case__numbers { background: var(--hm-white); border: 1px solid var(--hm-slate-200); border-top: 4px solid var(--hm-gold-500); border-radius: var(--radius-xl); padding: 1.4rem 1.5rem; box-shadow: var(--shadow-sm); }
.hm-svc-case__num { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: 0.6rem 0; border-bottom: 1px solid var(--hm-slate-200); }
.hm-svc-case__num:last-child { border-bottom: none; }
.hm-svc-case__num span { font-family: var(--font-body); font-size: 0.82rem; color: var(--hm-slate-500); }
.hm-svc-case__num strong { font-family: var(--font-heading); font-weight: 900; color: var(--hm-ink); font-size: 0.95rem; }
.hm-svc-case__disc { font-family: var(--font-body); font-size: 0.74rem; color: var(--hm-slate-400); margin: 1.5rem 0 0; }
@media (max-width: 760px) { .hm-svc-case__grid { grid-template-columns: 1fr; } }

/* FAQ + areas + related */
.hm-svc-faq__inner, .hm-svc-areas__inner, .hm-svc-related__inner { max-width: 900px; margin-inline: auto; }
.hm-svc-areas__lead { font-family: var(--font-body); color: var(--hm-slate-600); margin: 0 0 1.25rem; }
.hm-svc-areas__grid { display: flex; flex-wrap: wrap; gap: 0.6rem; }
.hm-svc-areas__link { display: inline-flex; align-items: center; gap: 0.4rem; background: var(--hm-blue-50); border: 1px solid var(--hm-blue-100); border-radius: var(--radius-pill); padding: 0.55rem 1rem; font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.03em; font-size: 0.68rem; color: var(--hm-blue-700); text-decoration: none; }
.hm-svc-areas__link svg { color: var(--hm-gold-500); }
.hm-svc-areas__link:hover { background: var(--hm-blue-600); color: #fff; border-color: var(--hm-blue-600); }
.hm-svc-areas__link:hover svg { color: #fff; }
.hm-svc-areas__link--all:hover { background: var(--hm-blue-800); border-color: var(--hm-blue-800); }
.hm-svc-areas__link--all { background: var(--hm-blue-600); color: #fff; }
.hm-svc-areas__link--all svg, .hm-svc-areas__link--all { color: #fff; }
.hm-svc-related__grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(220px,1fr)); gap: 14px; }
.hm-svc-related__card { display: flex; align-items: center; justify-content: space-between; gap: 0.75rem; background: var(--hm-white); border: 1px solid var(--hm-slate-200); border-radius: var(--radius-lg); padding: 1.1rem 1.25rem; text-decoration: none; box-shadow: var(--shadow-sm); transition: transform 150ms var(--ease-out), box-shadow 150ms var(--ease-out); }
.hm-svc-related__card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.hm-svc-related__card span { font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: -0.01em; font-size: 0.82rem; color: var(--hm-ink); line-height: 1.15; }
.hm-svc-related__card svg { color: var(--hm-blue-600); flex-shrink: 0; }

/* Byline */
.hm-svc-byline { background: var(--hm-blue-50); border-top: 1px solid var(--hm-blue-100); padding: 1rem var(--section-padding-x); font-family: var(--font-body); font-size: 0.85rem; color: var(--hm-slate-600); text-align: center; }
.hm-svc-byline .hm-container { max-width: var(--container-lg); margin-inline: auto; }
.hm-svc-byline a { color: var(--hm-blue-700); font-weight: 600; text-decoration: none; }
@media (prefers-reduced-motion: reduce) { .hm-svc-related__card:hover { transform: none; } }

/* Is it right for you? — for / not-for */
.hm-svc-fit { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.hm-svc-fit__col { border-radius: var(--radius-lg); padding: 1.25rem 1.4rem; }
.hm-svc-fit__col p { margin: 0; font-family: var(--font-body); font-size: 0.98rem; line-height: 1.6; color: var(--hm-slate-700); }
.hm-svc-fit__col--for { background: var(--hm-blue-50); border: 1px solid var(--hm-blue-100); }
.hm-svc-fit__col--not { background: var(--hm-cream); border: 1px solid var(--hm-cream-200); }
.hm-svc-fit__h { display: flex; align-items: center; gap: 0.45rem; font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.03em; font-size: 0.72rem; margin: 0 0 0.5rem !important; }
.hm-svc-fit__col--for .hm-svc-fit__h { color: var(--hm-blue-700); }
.hm-svc-fit__col--for .hm-svc-fit__h svg { color: var(--hm-success); }
.hm-svc-fit__col--not .hm-svc-fit__h { color: var(--hm-slate-700); }
.hm-svc-fit__col--not .hm-svc-fit__h svg { color: var(--hm-gold-600); }
@media (max-width: 700px) { .hm-svc-fit { grid-template-columns: 1fr; } }

/* Talk-it-through trust list */
.hm-svc-trust { list-style: none; margin: 1.1rem 0 0; padding: 1.1rem 0 0; border-top: 1px solid rgba(255,255,255,0.15); display: flex; flex-direction: column; gap: 0.6rem; }
.hm-svc-trust li, .hm-svc-trust a { display: flex; align-items: center; gap: 0.5rem; font-family: var(--font-body); font-size: 0.82rem; color: rgba(255,255,255,0.85); text-decoration: none; }
.hm-svc-trust a:hover { color: #fff; }
.hm-svc-trust svg { color: var(--hm-gold-500); flex-shrink: 0; }
/* Spotlight "view profile" link reused in the service hero */
.hm-hr-spot__body .hm-svc-spec__link { background: none; border: none; cursor: pointer; margin-top: 0.6rem; font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.04em; font-size: 0.64rem; color: var(--hm-blue-600); }

/* Clickable team circles (hero spotlight + Talk-it-through) */
.hm-svc-team { display: flex; flex-wrap: wrap; align-items: center; gap: 0.5rem 0.7rem; margin-top: 1.1rem; }
.hm-svc-team span { flex-basis: 100%; }
.hm-svc-team span { font-family: var(--font-body); font-size: 0.78rem; color: var(--hm-slate-600); }
.hm-svc-team .hm-area-prose__av, .hm-svc-team .hm-area-prose__av img { width: 38px; height: 38px; }
.hm-svc-team .hm-area-prose__av + .hm-area-prose__av { margin-left: -11px; }
.hm-area-facts .hm-svc-team { border-top: 1px solid rgba(255,255,255,0.15); margin-top: 1.1rem; padding-top: 1.1rem; }
.hm-area-facts .hm-svc-team span { color: rgba(255,255,255,0.8); }

/* Service archive (vertical hub) */
.hm-svc-arc-hero { padding-block: clamp(2.5rem,5vw,4rem); }
.hm-svc-arc__inner { max-width: var(--container-lg); margin-inline: auto; }
.hm-svc-arc__grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px,1fr)); gap: 16px; }
.hm-svc-arc__card { display: flex; flex-direction: column; gap: 0.5rem; background: var(--hm-white); border: 1px solid var(--hm-slate-200); border-radius: var(--radius-xl); padding: 1.5rem 1.6rem; text-decoration: none; position: relative; overflow: hidden; transition: transform 180ms var(--ease-out), box-shadow 180ms var(--ease-out), border-color 180ms var(--ease-out); }
.hm-svc-arc__card::before { content: ""; position: absolute; inset: 0 0 auto 0; height: 4px; background: var(--hm-gold-500); transform: scaleX(0); transform-origin: left; transition: transform 200ms var(--ease-out); }
.hm-svc-arc__card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); border-color: transparent; }
.hm-svc-arc__card:hover::before { transform: scaleX(1); }
.hm-svc-arc__name { font-family: var(--font-heading); font-weight: 900; text-transform: uppercase; letter-spacing: -0.01em; font-size: 1.2rem; line-height: 1.1; color: var(--hm-ink); }
.hm-svc-arc__desc { font-family: var(--font-body); font-size: 0.92rem; line-height: 1.5; color: var(--hm-slate-600); }
.hm-svc-arc__go { margin-top: auto; padding-top: 0.5rem; font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.03em; font-size: 0.68rem; color: var(--hm-blue-700); }
@media (prefers-reduced-motion: reduce) { .hm-svc-arc__card:hover { transform: none; } }

/* Archive: other verticals cross-link */
.hm-svc-verticals__inner { max-width: var(--container-lg); margin-inline: auto; }
.hm-svc-verticals__grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 16px; }
.hm-svc-verticals__card { display: flex; align-items: center; justify-content: space-between; gap: 1rem; background: var(--hm-blue-950); color: #fff; border-radius: var(--radius-xl); padding: 1.5rem 1.75rem; text-decoration: none; border-top: 4px solid var(--hm-gold-500); }
.hm-svc-verticals__card span { font-family: var(--font-heading); font-weight: 900; text-transform: uppercase; letter-spacing: -0.01em; font-size: clamp(1.1rem,2vw,1.5rem); }
.hm-svc-verticals__card svg { color: var(--hm-gold-500); flex-shrink: 0; }
.hm-svc-verticals__card:hover { background: var(--hm-blue-900); }
@media (max-width: 640px) { .hm-svc-verticals__grid { grid-template-columns: 1fr; } }

/* YMYL dated rates caveat */
.hm-svc-ratesnote { display: flex; align-items: flex-start; gap: 0.45rem; margin: 0.85rem 0 0; font-family: var(--font-body); font-size: 0.8rem; line-height: 1.5; color: var(--hm-slate-500); }
.hm-svc-ratesnote svg { color: var(--hm-blue-500); flex-shrink: 0; margin-top: 0.15rem; }

/* Archive hero callback form */
.hm-svc-callback { background: var(--hm-white); border-radius: var(--radius-xl); box-shadow: 0 28px 70px rgba(6,34,60,0.4); border-top: 5px solid var(--hm-gold-500); padding: 1.6rem 1.6rem 1.75rem; align-self: start; }
.hm-svc-callback__title { font-family: var(--font-heading); font-weight: 900; text-transform: uppercase; letter-spacing: -0.01em; font-size: 1.35rem; color: var(--hm-ink); margin: 0 0 0.35rem; }
.hm-svc-callback__sub { font-family: var(--font-body); font-size: 0.88rem; line-height: 1.5; color: var(--hm-slate-600); margin: 0 0 1.1rem; }
.hm-svc-callback__form { display: flex; flex-direction: column; gap: 0.8rem; }
.hm-svc-callback__foot { font-family: var(--font-body); font-size: 0.72rem; color: var(--hm-slate-400); margin: 0.35rem 0 0; text-align: center; }
.hm-svc-callback__success { text-align: center; padding: 2.5rem 1rem; }
.hm-svc-callback__tick { display: inline-flex; align-items: center; justify-content: center; width: 56px; height: 56px; border-radius: 50%; background: var(--hm-blue-50); color: var(--hm-success); margin: 0 auto 1rem; }
.hm-svc-callback__thanks { font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; font-size: 1rem; line-height: 1.3; color: var(--hm-ink); margin: 0; }
.hm-svc-archero__lead { align-self: center; }
@media (max-width: 900px) { .hm-svc-callback { max-width: 460px; margin-inline: auto; width: 100%; } }

/* Archive hero "popular services" card link */
.hm-icp__note a { color: var(--hm-blue-700); font-weight: 700; text-decoration: none; }
.hm-icp__note a:hover { color: var(--hm-blue-900); }


/* Content-silo up-link to the hub (replaces sibling-service grid) */
.hm-svc-uplink__inner { max-width: 720px; margin-inline: auto; text-align: center; }
.hm-svc-uplink__lead { font-family: var(--font-body); font-size: 1.02rem; line-height: 1.6; color: var(--hm-slate-600); margin: 0.5rem auto 1.4rem; max-width: 56ch; }
.hm-svc-uplink__cta { display: flex; justify-content: center; }

/* ---- Award spotlight (bridging & commercial pages) ---- */
.hm-svc-award { background: var(--hm-ink); color: #fff; }
.hm-svc-award__inner { max-width: var(--container-xl); margin-inline: auto; display: flex; align-items: center; gap: 2.5rem; flex-wrap: wrap; border-left: 5px solid var(--hm-gold-500); padding-left: 1.75rem; }
.hm-svc-award__person { flex: none; display: flex; flex-direction: column; align-items: center; gap: 0.6rem; text-align: center; }
.hm-svc-award__photo { width: 120px; height: 120px; border-radius: 50%; object-fit: cover; object-position: center top; border: 3px solid var(--hm-gold-500); }
.hm-svc-award__profile { font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.02em; font-size: 0.78rem; color: var(--hm-gold-400, #f6c95a); text-decoration: none; }
.hm-svc-award__profile:hover { color: #fff; }
.hm-svc-award__text { flex: 1 1 420px; min-width: 0; }
.hm-svc-award__badge { display: inline-flex; align-items: center; gap: 0.45rem; background: var(--hm-gold-500); color: var(--hm-ink); font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.04em; font-size: 0.7rem; border-radius: var(--radius-pill); padding: 0.4rem 0.85rem; }
.hm-svc-award__title { font-family: var(--font-heading); font-weight: 900; text-transform: uppercase; letter-spacing: -0.01em; font-size: clamp(1.5rem, 3vw, 2.1rem); line-height: 1.1; color: #fff; margin: 0.9rem 0 0.6rem; }
.hm-svc-award__body { font-family: var(--font-body); font-size: 1rem; line-height: 1.65; color: rgba(255,255,255,0.85); margin: 0 0 1.3rem; max-width: 64ch; }
.hm-svc-award__cta { display: flex; align-items: center; gap: 1.4rem; flex-wrap: wrap; }
.hm-svc-award__link { display: inline-flex; align-items: center; gap: 0.4rem; font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.03em; font-size: 0.74rem; color: var(--hm-gold-400, #f6c95a); text-decoration: none; }
.hm-svc-award__link:hover { color: #fff; }
.hm-svc-award__link svg { color: var(--hm-gold-500); }
@media (max-width: 640px) {
	.hm-svc-award__inner { gap: 1.5rem; padding-left: 1.25rem; }
	.hm-svc-award__photo { width: 92px; height: 92px; }
}

/* ---- Pillar depth modules ---- */
/* Step process band — interactive timeline + reveal box */
.hm-svc-process__inner { max-width: var(--container-xl); margin-inline: auto; }
.hm-svc-process__steps { list-style: none; margin: 2.25rem 0 0; padding: 0; display: grid; grid-template-columns: repeat(var(--steps, 4), 1fr); gap: 1rem; position: relative; }
/* Connector line, sitting behind the number nodes at their vertical centre. */
.hm-svc-process__steps::before { content: ""; position: absolute; top: 27px; left: 8%; right: 8%; height: 2px; background: var(--hm-slate-200); z-index: 0; }
.hm-svc-process__step { display: flex; }
.hm-svc-process__node { position: relative; z-index: 1; width: 100%; display: flex; flex-direction: column; align-items: center; text-align: center; gap: 0.85rem; background: none; border: 0; padding: 0 0.35rem; margin: 0; font: inherit; cursor: pointer; }
.hm-svc-process__n { flex: none; width: 54px; height: 54px; border-radius: 50%; background: var(--hm-white); border: 2px solid var(--hm-slate-300); color: var(--hm-blue-700); font-family: var(--font-heading); font-weight: 900; font-size: 1rem; letter-spacing: 0.02em; display: inline-flex; align-items: center; justify-content: center; transition: background 200ms var(--ease-out), border-color 200ms var(--ease-out), color 200ms var(--ease-out), transform 200ms var(--ease-out), box-shadow 200ms var(--ease-out); }
.hm-svc-process__h { font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.01em; font-size: 0.92rem; line-height: 1.2; color: var(--hm-ink); transition: color 200ms var(--ease-out); }
/* Hover / focus / active node. */
.hm-svc-process__node:hover .hm-svc-process__n,
.hm-svc-process__node:focus-visible .hm-svc-process__n,
.hm-svc-process__node.is-active .hm-svc-process__n { background: var(--hm-gold-500); border-color: var(--hm-gold-500); color: var(--hm-ink); transform: scale(1.07); box-shadow: 0 6px 18px rgba(243, 179, 50, 0.35); }
.hm-svc-process__node:hover .hm-svc-process__h,
.hm-svc-process__node.is-active .hm-svc-process__h { color: var(--hm-blue-700); }
.hm-svc-process__node:focus-visible { outline: none; }
/* Reveal box — mirrors the active step's detail. */
.hm-svc-process__reveal { margin-top: 2.25rem; display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 1.25rem 2rem; background: var(--hm-blue-50); border-left: 4px solid var(--hm-gold-500); border-radius: 0 var(--radius-lg) var(--radius-lg) 0; padding: 1.5rem 1.75rem; }
.hm-svc-process__reveal-text { flex: 1 1 460px; min-width: 0; }
.hm-svc-process__reveal-label { font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.05em; font-size: 0.7rem; color: var(--hm-gold-600); margin: 0 0 0.4rem; }
.hm-svc-process__reveal-d { font-family: var(--font-body); font-size: 1.08rem; line-height: 1.6; color: var(--hm-slate-700); margin: 0; transition: opacity 150ms var(--ease-out); }
.hm-svc-process__reveal-d.is-swapping { opacity: 0; }
.hm-svc-process__reveal-cta { flex: none; }
@media (prefers-reduced-motion: reduce) {
	.hm-svc-process__n, .hm-svc-process__reveal-d { transition: none; }
	.hm-svc-process__node:hover .hm-svc-process__n, .hm-svc-process__node.is-active .hm-svc-process__n { transform: none; }
}
@media (max-width: 720px) {
	.hm-svc-process__steps { grid-template-columns: 1fr; gap: 0.75rem; }
	.hm-svc-process__steps::before { display: none; }
	.hm-svc-process__node { flex-direction: row; align-items: center; text-align: left; gap: 1rem; }
	.hm-svc-process__n { width: 46px; height: 46px; font-size: 0.9rem; }
}

/* Inline "how much could you borrow" calculator block */
/* Single column: heading and copy above the calculator. The intro is only a
   line or two, so a side-by-side grid left most of the left column empty. */
.hm-svc-calcblock__inner { max-width: var(--container-lg); margin-inline: auto; }
.hm-svc-calcblock__intro { margin-bottom: clamp(1.25rem, 2.5vw, 2rem); max-width: 68ch; }
.hm-svc-calcblock__intro p { font-family: var(--font-body); color: var(--hm-slate-600); line-height: 1.6; }
/* Mirror the modal calc: white inputs panel | dark results panel (self-padded) */
.hm-svc-calcblock__calc { background: var(--hm-white); border: 1px solid var(--hm-slate-200); border-radius: var(--radius-xl); overflow: hidden; box-shadow: var(--shadow-sm); display: grid; grid-template-columns: 1fr 1fr; }
.hm-svc-calcblock__calc .hm-calc__inputs { padding: 1.6rem; }
.hm-svc-calcblock__calc .hm-calc__results { padding: 1.6rem; }
@media (max-width: 880px) { .hm-svc-calcblock__calc { grid-template-columns: 1fr; } }

/* Comprehensive guide */
.hm-svc-guide__inner { max-width: 820px; margin-inline: auto; }
.hm-svc-guide__body h3 { font-family: var(--font-heading); font-weight: 800; font-size: 1.2rem; color: var(--hm-ink); margin: 1.8rem 0 0.6rem; }
.hm-svc-guide__body p { font-family: var(--font-body); font-size: 1.04rem; line-height: 1.75; color: var(--hm-slate-700); margin: 0 0 1.1rem; }
.hm-svc-guide__body ul, .hm-svc-guide__body ol { margin: 0 0 1.3rem; padding-left: 1.3rem; }
.hm-svc-guide__body li { font-family: var(--font-body); font-size: 1.02rem; line-height: 1.7; color: var(--hm-slate-700); margin-bottom: 0.45rem; }
.hm-svc-guide__body strong { color: var(--hm-ink); }
.hm-svc-guide__body a { color: var(--hm-blue-700); text-decoration: underline; text-underline-offset: 2px; }

/* Schemes & support */
.hm-svc-schemes__inner { max-width: var(--container-xl); margin-inline: auto; }
.hm-svc-schemes__grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 16px; margin-top: 1.25rem; }
.hm-svc-schemes__item { background: var(--hm-white); border: 1px solid var(--hm-slate-200); border-radius: var(--radius-lg); padding: 1.2rem 1.3rem; }
.hm-svc-schemes__name { display: flex; align-items: center; gap: 0.45rem; font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.01em; font-size: 0.85rem; color: var(--hm-ink); margin: 0 0 0.4rem; }
.hm-svc-schemes__name svg { color: var(--hm-gold-500); }
.hm-svc-schemes__d { font-family: var(--font-body); font-size: 0.9rem; line-height: 1.55; color: var(--hm-slate-600); margin: 0; }

/* Related blog guides */
.hm-svc-guides__inner { max-width: var(--container-xl); margin-inline: auto; }
.hm-svc-guides__grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 16px; margin-top: 1.25rem; }
.hm-svc-guides__card { display: flex; flex-direction: column; gap: 0.4rem; background: var(--hm-white); border: 1px solid var(--hm-slate-200); border-radius: var(--radius-xl); padding: 1.3rem 1.4rem; text-decoration: none; box-shadow: var(--shadow-sm); transition: transform 160ms var(--ease-out), box-shadow 160ms var(--ease-out); }
.hm-svc-guides__card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.hm-svc-guides__cat { font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.05em; font-size: 0.6rem; color: var(--hm-blue-600); }
.hm-svc-guides__title { font-family: var(--font-heading); font-weight: 900; text-transform: uppercase; font-size: 1.05rem; line-height: 1.2; color: var(--hm-ink); }
.hm-svc-guides__more { font-family: var(--font-heading); font-weight: 800; text-transform: uppercase; letter-spacing: 0.03em; font-size: 0.66rem; color: var(--hm-blue-700); margin-top: auto; padding-top: 0.5rem; }

/* Pillar guide link (in the "what it means" block) + team byline */
.hm-svc-guidelink { margin: 0.75rem 0 0; }
.hm-svc-teamgrid__byline { text-align: center; margin: 1.5rem 0 0; font-family: var(--font-body); font-size: 0.8rem; color: var(--hm-slate-500); }
.hm-svc-teamgrid__byline a { color: var(--hm-blue-700); text-decoration: none; }
.hm-svc-teamgrid__byline a:hover { color: var(--hm-gold-600); }