/* =============================================================
   legal.css — shared styles for all legal pages
   insuranceandmortgages.uk · Supreme Financial Solutions Ltd
   ============================================================= */

/* ---------- NAV BACK LINK (terms-only) ---------- */
.nav-back {
  color: rgba(255,255,255,.78);
  font-size: .84rem; font-weight: 700; letter-spacing: .02em;
  padding: 8px 2px;
  border-bottom: 1px solid transparent;
  transition: .18s ease;
}
.nav-back:hover,
.nav-back:focus-visible { color: var(--white); border-bottom-color: var(--gold); }
.nav-back::before { content: '← '; display: inline-block; margin-right: 4px; color: var(--gold); }

/* ---------- LEGAL HERO ---------- */
.legal-hero {
  background: var(--navy); color: var(--white);
  padding: calc(var(--nav-h) + 64px) 0 56px;
  border-bottom: 1px solid rgba(201,164,78,.14);
}
.legal-hero .container { text-align: center; }
.legal-hero .accent {
  display: block; width: 54px; height: 3px;
  background: var(--gold); border-radius: 999px;
  margin: 0 auto 22px;
}
.legal-hero .kicker {
  display: block; color: var(--gold);
  font-size: .74rem; font-weight: 900;
  letter-spacing: .22em; text-transform: uppercase; margin-bottom: 14px;
}
.legal-hero h1 {
  margin: 0;
  font-family: var(--font-display);
  font-size: clamp(2.2rem,4vw,3.4rem);
  line-height: 1.1; font-weight: 600;
  color: var(--white); letter-spacing: -.01em;
}
.legal-hero .sub {
  margin: 18px auto 0; max-width: 600px;
  color: rgba(255,255,255,.7); font-size: 1rem; line-height: 1.7;
}

/* ---------- LEGAL CONTENT ---------- */
.legal-content { padding: 72px 0; background: var(--white); }
.legal-content article { counter-reset: section; }
.legal-content h2 {
  counter-increment: section;
  font-family: var(--font-display);
  font-size: clamp(1.55rem,2.5vw,2rem);
  line-height: 1.2; margin: 48px 0 16px;
  color: var(--navy); font-weight: 600;
  padding-top: 18px; border-top: 1px solid var(--line-2);
}
.legal-content h2:first-child { margin-top: 0; padding-top: 0; border-top: 0; }
.legal-content h2::before {
  content: counter(section, decimal-leading-zero) ' · ';
  color: var(--gold); font-weight: 700;
}
.legal-content p { margin: 0 0 16px; color: var(--ink-2); font-size: 1rem; line-height: 1.78; }
.legal-content ul { padding-left: 22px; margin: 0 0 16px; }
.legal-content li { margin-bottom: 8px; color: var(--ink-2); line-height: 1.7; }
.legal-content li::marker { color: var(--gold); }
.legal-content a {
  color: var(--navy); border-bottom: 1px solid var(--gold);
  padding-bottom: 1px; font-weight: 600;
}
.legal-content a:hover { color: var(--gold); }
.legal-content strong { color: var(--navy); }

.last-updated {
  margin-bottom: 36px; padding: 14px 18px;
  background: var(--cream-2); border: 1px solid var(--line);
  border-radius: 10px; font-size: .88rem; color: var(--ink-3);
}
.last-updated strong { color: var(--navy); font-weight: 700; }

/* ---------- REGULATORY BLOCK ---------- */
.regulatory {
  background: var(--navy); color: rgba(255,255,255,.7);
  padding: 64px 0; border-top: 1px solid rgba(201,164,78,.14);
}
.regulatory .container { max-width: 880px; }
.regulatory h2 {
  font-family: var(--font-display); color: var(--white);
  font-weight: 600; font-size: clamp(1.5rem,2.5vw,2rem);
  margin: 0 0 28px; line-height: 1.2;
}
.regulatory h2 .kicker {
  display: block; color: var(--gold);
  font-size: .72rem; font-weight: 900;
  letter-spacing: .2em; text-transform: uppercase;
  margin-bottom: 10px; font-family: var(--font-body);
}
.regulatory p { margin: 0 0 16px; font-size: .84rem; line-height: 1.75; letter-spacing: .005em; }
.regulatory .warn {
  border-left: 3px solid var(--gold);
  background: rgba(201,164,78,.08);
  padding: 14px 16px;
  color: rgba(255,255,255,.85); font-weight: 700;
}
.regulatory .strong-line {
  padding: 12px 0;
  border-top: 1px dashed rgba(255,255,255,.10);
  border-bottom: 1px dashed rgba(255,255,255,.10);
  color: rgba(255,255,255,.78); font-weight: 600;
}

/* ---------- BACK CTA ---------- */
.back-cta {
  background: var(--cream-2); padding: 56px 0;
  text-align: center; border-top: 1px solid var(--line);
}
.back-cta h3 {
  font-family: var(--font-display);
  font-size: 1.8rem; margin: 0 0 10px;
  color: var(--navy); font-weight: 600;
}
.back-cta p { margin: 0 0 24px; color: var(--ink-3); }
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  min-height: 54px; padding: 0 32px; border-radius: 6px;
  font-weight: 900; font-size: .82rem;
  letter-spacing: .06em; text-transform: uppercase;
  transition: .18s ease;
}
.btn-primary { background: var(--gold); color: var(--navy); box-shadow: 0 10px 28px rgba(201,164,78,.22); }
.btn-primary:hover { background: var(--gold-light); transform: translateY(-2px); }

/* ---------- MINI FOOTER ---------- */
.footer-mini {
  background: var(--navy); color: rgba(255,255,255,.50);
  padding: 32px 0;
  border-top: 1px solid rgba(255,255,255,.08);
  font-size: .78rem; line-height: 1.65;
}
.footer-mini .container-wide {
  display: flex; justify-content: space-between;
  align-items: center; flex-wrap: wrap; gap: 14px;
}
.footer-mini .approval { color: rgba(255,255,255,.40); font-style: italic; }
.footer-mini a {
  color: rgba(255,255,255,.66);
  border-bottom: 1px solid rgba(255,255,255,.18); padding-bottom: 1px; font-weight: 600;
}
.footer-mini a:hover { color: var(--gold-light); }

/* ---------- FULL REGULATORY FOOTER (compliance — consistent with index.html) ---------- */
.footer {
  background: var(--navy);
  color: rgba(255,255,255,.62);
  padding: 60px 0 28px;
  border-top: 1px solid rgba(201,164,78,.12);
}
.footer-compliance {
  font-size: .76rem; line-height: 1.7;
  color: rgba(255,255,255,.50);
  display: grid; gap: 12px;
}
.footer-compliance .compliance-head {
  margin: 0 0 6px; color: var(--gold);
  font-size: .7rem; font-weight: 900;
  letter-spacing: .18em; text-transform: uppercase;
}
.footer-compliance .warn {
  border-left: 3px solid var(--gold);
  background: rgba(201,164,78,.06);
  padding: 14px 16px;
  color: rgba(255,255,255,.78); font-weight: 700; letter-spacing: .01em;
}
.footer-compliance p { margin: 0; }
.footer-compliance .compliance-strong {
  color: rgba(255,255,255,.74); font-weight: 600;
  padding: 10px 0;
  border-top: 1px dashed rgba(255,255,255,.08);
  border-bottom: 1px dashed rgba(255,255,255,.08);
}
.footer-compliance .compliance-address {
  font-size: .74rem; color: rgba(255,255,255,.58); letter-spacing: .02em;
}
.footer-compliance .footer-links {
  margin-top: 6px; display: flex; flex-wrap: wrap;
  gap: 10px; align-items: center;
}
.footer-compliance .footer-links a {
  color: rgba(255,255,255,.72); font-weight: 700;
  border-bottom: 1px solid rgba(255,255,255,.18); padding-bottom: 1px;
}
.footer-compliance .footer-links a:hover { color: var(--gold-light); border-color: var(--gold); }
.footer-compliance .footer-links span { color: rgba(255,255,255,.30); }
.footer-bottom {
  display: flex; justify-content: space-between;
  align-items: center; flex-wrap: wrap; gap: 14px;
  margin-top: 22px; padding-top: 18px;
  border-top: 1px solid rgba(255,255,255,.08);
  font-size: .76rem; color: rgba(255,255,255,.45);
}
.footer-bottom .approval { color: rgba(255,255,255,.40); font-style: italic; letter-spacing: .01em; }

/* ---------- RESPONSIVE (terms-specific) ---------- */
@media (max-width: 640px) {
  .nav-back { font-size: .78rem; }
  .legal-hero { padding: calc(var(--nav-h) + 40px) 0 40px; }
  .legal-content { padding: 52px 0; }
  .legal-content h2 { margin-top: 36px; padding-top: 14px; }
  .regulatory,
  .back-cta { padding: 44px 0; }
  .footer-mini .container-wide { flex-direction: column; align-items: flex-start; text-align: left; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
}