/* ==========================================================================
   Homepage sections (app/Views/home/*.php). Loaded on the homepage only,
   after ui.css; builds on its tokens, type scale and components.
   ========================================================================== */

/* Line break that only applies from 640px (two-line headlines). */
.mfs-br-sm { display: none; }
@media (min-width: 640px) { .mfs-br-sm { display: inline; } }

/* Two-column split: narrow aside + wide main from 1024px. */
.mfs-split { display: grid; gap: 32px; }
@media (min-width: 1024px) {
  .mfs-split { grid-template-columns: 5fr 7fr; gap: 56px; }
}

/* Link list with hairlines (local areas, more guides). */
.mfs-linklist { display: grid; column-gap: 32px; }
.mfs-linklist--2 { grid-template-columns: 1fr 1fr; }
.mfs-linklist li { border-bottom: 1px solid var(--mfs-line); }
.mfs-linklist a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  min-height: 48px;
  padding-block: 10px;
  font-size: 17px;
  font-weight: 500;
  color: var(--mfs-navy);
  transition: color 0.2s;
}
.mfs-ui .mfs-linklist a:hover { color: var(--mfs-action); }
.mfs-linklist--text { margin-top: 16px; column-gap: 40px; grid-template-columns: 1fr; }
.mfs-linklist--text a { font-size: 16px; }
@media (min-width: 640px) { .mfs-linklist--text { grid-template-columns: 1fr 1fr; } }

/* Hero -------------------------------------------------------------------- */
.mfs-hero__grid {
  display: grid;
  align-items: center;
  gap: 40px;
  padding-block: 40px;
}
@media (min-width: 640px) { .mfs-hero__grid { padding-block: 48px; } }
@media (min-width: 1024px) {
  .mfs-hero__grid { grid-template-columns: 7fr 5fr; gap: 48px; padding-block: 80px; }
}
.mfs-hero__copy .mfs-eyebrow { color: rgb(0 47 106 / 0.8); }
.mfs-hero__title { margin-top: 16px; }
.mfs-hero__subtitle { margin-top: 20px; margin-bottom: 16px; font-size: 15px; line-height: 24px; font-weight: 600; }
.mfs-hero__qualifier { font-size: 15px; line-height: 24px; }
.mfs-hero__qualifier strong { font-weight: 600; }
.mfs-hero__qualifier .mfs-link { display: inline-flex; align-items: center; gap: 4px; margin-left: 4px; }
.mfs-hero__body { margin-top: 20px; max-width: 580px; }
.mfs-hero__actions { display: flex; flex-direction: column; gap: 12px; margin-top: 28px; }
@media (min-width: 640px) { .mfs-hero__actions { flex-direction: row; flex-wrap: wrap; } }
.mfs-hero__wa { display: none; }
@media (min-width: 640px) { .mfs-hero__wa { display: inline-flex; padding-inline: 20px; } }
.mfs-hero__call { display: none; margin-top: 16px; font-size: 15px; line-height: 24px; }
@media (min-width: 640px) { .mfs-hero__call { display: block; } }
.mfs-hero__proof-line {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-top: 20px;
  font-size: 14px;
  line-height: 20px;
  color: var(--mfs-navy);
}
@media (min-width: 640px) { .mfs-hero__proof-line { display: none; } }

.mfs-hero__media { position: relative; }
.mfs-hero__image {
  position: relative;
  aspect-ratio: 4 / 3;
  overflow: hidden;
  border-radius: var(--mfs-radius-lg);
  background: var(--mfs-band);
}
@media (min-width: 640px) { .mfs-hero__image { aspect-ratio: 636 / 548; } }
.mfs-hero__image img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: 48% 50%;
}
.mfs-hero__proof {
  position: absolute;
  bottom: -24px;
  left: -16px;
  display: none;
  align-items: center;
  gap: 16px;
  padding: 14px 20px;
  border: 1px solid var(--mfs-line);
  border-radius: var(--mfs-radius);
  background: #fff;
  box-shadow: var(--mfs-shadow-card);
}
@media (min-width: 640px) { .mfs-hero__proof { display: flex; } }
@media (min-width: 1024px) { .mfs-hero__proof { left: -28px; } }
.mfs-hero__proof-label { margin-top: 4px; font-size: 13px; line-height: 16px; color: var(--mfs-body); }
.mfs-hero__proof-label strong { color: var(--mfs-navy); font-weight: 600; }
.mfs-hero__proof-count { font-family: var(--mfs-font-heading); font-size: 24px; font-weight: 700; line-height: 1; color: var(--mfs-navy); }
.mfs-hero__proof-rule { width: 1px; height: 36px; background: var(--mfs-line); }
.mfs-hero__platforms { display: flex; align-items: center; gap: 8px; }
.mfs-hero__platforms a {
  display: grid;
  place-items: center;
  width: 32px;
  height: 32px;
  border-radius: 999px;
  transition: background-color 0.2s;
}
.mfs-hero__platforms a:hover { background: var(--mfs-band); }
.mfs-hero__platforms img { width: 22px; height: 22px; border-radius: 999px; }

/* Credentials band -------------------------------------------------------- */
.mfs-credentials { border-block: 1px solid var(--mfs-line); background: var(--mfs-band); }
.mfs-credentials__list {
  display: grid;
  gap: 16px 32px;
  padding-block: 20px;
}
@media (min-width: 640px) { .mfs-credentials__list { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) {
  .mfs-credentials__list { grid-template-columns: repeat(4, 1fr); column-gap: 0; padding-block: 24px; }
  .mfs-credentials__item { padding-inline: 32px; border-left: 1px solid rgb(0 47 106 / 0.15); }
  .mfs-credentials__item:first-child { padding-left: 0; border-left: 0; }
  .mfs-credentials__item:last-child { padding-right: 0; }
}
.mfs-credentials__title { font-size: 15px; font-weight: 600; line-height: 20px; color: var(--mfs-navy); }
.mfs-credentials__sub { margin-top: 4px; font-size: 13px; line-height: 18px; color: var(--mfs-body); }

/* Routes ------------------------------------------------------------------ */
.mfs-routes__intro { max-width: 380px; }
.mfs-routes {
  margin-top: 24px;
  border-block: 1px solid var(--mfs-line);
}
.mfs-routes > li + li { border-top: 1px solid var(--mfs-line); }
@media (min-width: 640px) {
  .mfs-routes {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
    margin-top: 40px;
    border: 0;
  }
  .mfs-routes > li + li { border: 0; }
}
@media (min-width: 1024px) { .mfs-routes { grid-template-columns: repeat(3, 1fr); } }
.mfs-route {
  display: flex;
  align-items: center;
  gap: 16px;
  padding-block: 14px;
  color: var(--mfs-navy);
}
.mfs-route__media {
  position: relative;
  flex-shrink: 0;
  width: 68px;
  height: 68px;
  overflow: hidden;
  border-radius: var(--mfs-radius-sm);
  background: var(--mfs-band);
}
.mfs-route__media img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.mfs-route__body { display: flex; flex: 1; align-items: center; gap: 12px; }
.mfs-route__text { flex: 1; }
.mfs-route__title { font-family: var(--mfs-font-heading); font-size: 21px; font-weight: 700; line-height: 24px; }
.mfs-route__blurb { margin-top: 2px; font-size: 14px; line-height: 20px; color: var(--mfs-body); }
.mfs-route__arrow { color: var(--mfs-navy); transition: transform 0.2s, color 0.2s; }
.mfs-route:hover .mfs-route__arrow { transform: translate(2px, -2px); color: var(--mfs-action); }
@media (min-width: 640px) {
  .mfs-route {
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    height: 100%;
    padding: 0;
    overflow: hidden;
    border: 1px solid var(--mfs-line);
    border-radius: var(--mfs-radius);
    background: #fff;
    transition: transform 0.35s var(--mfs-ease), box-shadow 0.35s var(--mfs-ease);
  }
  .mfs-route:hover { transform: translateY(-3px); box-shadow: var(--mfs-shadow-lift); }
  .mfs-route .mfs-zoom { transition: transform 0.8s var(--mfs-ease); }
  .mfs-route:hover .mfs-zoom { transform: scale(1.04); }
  .mfs-route__media { width: 100%; height: auto; aspect-ratio: 4 / 3; border-radius: 0; }
  .mfs-route__body { align-items: flex-start; padding: 24px; }
  .mfs-route__arrow { align-self: flex-end; }
  .mfs-route__title { font-size: 26px; line-height: 32px; }
  .mfs-route__blurb { margin-top: 8px; font-size: 16px; line-height: 24px; }
}
@media (min-width: 1024px) { .mfs-route__body { padding: 28px; } }

/* Fee-free ---------------------------------------------------------------- */
.mfs-fee__panel {
  display: flex;
  flex-direction: column;
  justify-content: center;
  height: 100%;
  padding: 32px;
  border-radius: var(--mfs-radius-lg);
  background: var(--mfs-band);
  color: var(--mfs-navy);
}
@media (min-width: 1024px) { .mfs-fee__panel { padding: 40px; } }
.mfs-fee__statement { margin-top: 24px; }
.mfs-fee__title {
  font-family: var(--mfs-font-heading);
  font-size: 40px;
  font-weight: 700;
  line-height: 1.06;
  letter-spacing: -0.005em;
}
@media (min-width: 640px) { .mfs-fee__title { font-size: 54px; } }
.mfs-fee__sub {
  margin-top: 16px;
  font-family: var(--mfs-font-heading);
  font-size: 24px;
  font-weight: 600;
  line-height: 32px;
  color: rgb(0 47 106 / 0.8);
}
@media (min-width: 640px) { .mfs-fee__sub { font-size: 28px; } }
.mfs-fee__copy { display: flex; flex-direction: column; justify-content: center; }
.mfs-fee__commission { max-width: 640px; font-size: 18px; line-height: 32px; color: var(--mfs-navy); }
@media (min-width: 640px) { .mfs-fee__commission { font-size: 19px; } }
.mfs-fee__approved {
  max-width: 640px;
  margin-top: 24px;
  padding-left: 20px;
  border-left: 2px solid var(--mfs-navy);
  font-size: 17px;
  font-weight: 500;
  line-height: 28px;
  color: var(--mfs-navy);
}
.mfs-fee__costs-title { margin-top: 32px; }
.mfs-fee__costs { margin-top: 8px; }

/* Lenders ----------------------------------------------------------------- */
.mfs-lenders__head { display: grid; gap: 24px; }
@media (min-width: 1024px) {
  .mfs-lenders__head { grid-template-columns: 1fr 1fr; gap: 56px; }
  .mfs-lenders__head .mfs-lead { padding-top: 8px; }
}
.mfs-lenders__caption { margin-top: 40px; letter-spacing: 0.1em; }
.mfs-lenders__logos {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  align-items: center;
  gap: 28px 16px;
  margin-top: 16px;
  padding-block: 28px;
  border-block: 1px solid var(--mfs-line);
}
@media (min-width: 640px) { .mfs-lenders__logos { grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 28px 24px; } }
@media (min-width: 1024px) { .mfs-lenders__logos { grid-template-columns: repeat(7, minmax(0, 1fr)); } }
.mfs-lenders__logos li { display: flex; min-width: 0; align-items: center; justify-content: center; }
.mfs-lenders__logos img { width: auto; height: auto; max-width: min(104px, 100%); max-height: 32px; object-fit: contain; }
.mfs-lenders__points { display: grid; gap: 32px; margin-top: 40px; }
@media (min-width: 768px) { .mfs-lenders__points { grid-template-columns: 1fr 1fr; gap: 48px; } }
.mfs-lenders__point { margin-top: 8px; max-width: 520px; }

/* Rates ------------------------------------------------------------------- */
.mfs-rates__updated { margin-top: 12px; font-size: 14px; font-weight: 500; color: var(--mfs-navy); }
.mfs-rates__basis { max-width: 400px; font-size: 15px; line-height: 24px; }
.mfs-rates { display: grid; gap: 24px; margin-top: 32px; }
@media (min-width: 1024px) { .mfs-rates { grid-template-columns: 1fr 1fr; } }
.mfs-rates__card {
  display: flex;
  flex-direction: column;
  overflow: hidden;
  border: 1px solid var(--mfs-line);
  border-radius: var(--mfs-radius);
  background: #fff;
}
.mfs-rates__title { padding: 20px 20px 16px; border-bottom: 1px solid var(--mfs-line); line-height: 28px; }
@media (min-width: 640px) { .mfs-rates__title { padding-inline: 24px; } }
.mfs-rates__empty { padding: 20px; }
.mfs-rates__table { width: 100%; table-layout: fixed; border-collapse: collapse; }
.mfs-rates__table th {
  padding: 16px 8px 8px;
  font-size: 12px;
  font-weight: 700;
  text-align: left;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgb(0 47 106 / 0.7);
}
.mfs-rates__table td { padding: 16px 8px; vertical-align: middle; border-top: 1px solid var(--mfs-line); }
.mfs-rates__table th:first-child,
.mfs-rates__table td:first-child { padding-left: 20px; }
.mfs-rates__table th:last-child,
.mfs-rates__table td:last-child { padding-right: 16px; }
@media (min-width: 640px) {
  .mfs-rates__table th:first-child,
  .mfs-rates__table td:first-child { padding-left: 24px; }
  .mfs-rates__table th:last-child,
  .mfs-rates__table td:last-child { padding-right: 24px; }
}
.mfs-rates__table th.mfs-rates__num,
.mfs-rates__num { width: 88px; text-align: right; }
@media (min-width: 640px) { .mfs-rates__table th.mfs-rates__num, .mfs-rates__num { width: 124px; } }
.mfs-rates__figure {
  font-family: var(--mfs-font-heading);
  font-size: 21px;
  font-weight: 600;
  line-height: 28px;
  font-variant-numeric: tabular-nums;
  color: var(--mfs-navy);
}
@media (min-width: 640px) { .mfs-rates__figure { font-size: 26px; } }
.mfs-rates__logo { width: auto; height: auto; max-height: 28px; max-width: 92px; object-fit: contain; object-position: left; }
.mfs-rates__lender { font-family: var(--mfs-font-heading); font-size: 19px; font-weight: 600; line-height: 24px; color: var(--mfs-navy); }
.mfs-rates__product { margin-top: 6px; line-height: 18px; }
.mfs-rates__foot { margin-top: auto; padding: 16px 20px; border-top: 1px solid var(--mfs-line); }
@media (min-width: 640px) { .mfs-rates__foot { padding-inline: 24px; } }
.mfs-rates__more { margin-top: 12px; font-size: 15px; }
.mfs-rates__notes { max-width: 900px; margin-top: 28px; }
.mfs-rates__notes .mfs-small { margin-top: 8px; }
.mfs-rates__warning { font-size: 16px; line-height: 24px; margin-bottom: 4px; }

/* Process ----------------------------------------------------------------- */
.mfs-process { display: grid; gap: 32px; margin-top: 32px; }
@media (min-width: 768px) { .mfs-process { grid-template-columns: repeat(3, 1fr); gap: 40px; } }
@media (min-width: 1024px) { .mfs-process { margin-top: 40px; } }
.mfs-process__step { padding-top: 20px; border-top: 2px solid var(--mfs-navy); }
.mfs-process__num {
  font-family: var(--mfs-font-heading);
  font-size: 40px;
  font-weight: 700;
  line-height: 1;
  letter-spacing: -0.02em;
  color: rgb(0 47 106 / 0.8);
}
.mfs-process__title { margin-top: 16px; }
.mfs-process__body { margin-top: 8px; max-width: 340px; }

/* Adviser ----------------------------------------------------------------- */
.mfs-adviser { display: grid; align-items: start; gap: 32px; }
@media (min-width: 1024px) { .mfs-adviser { grid-template-columns: 3fr 5fr 4fr; gap: 40px; } }
.mfs-adviser__photo {
  position: relative;
  width: 176px;
  aspect-ratio: 4 / 5;
  overflow: hidden;
  border-radius: var(--mfs-radius-lg);
  background: var(--mfs-navy);
}
@media (min-width: 640px) { .mfs-adviser__photo { width: 208px; } }
@media (min-width: 1024px) { .mfs-adviser__photo { width: 100%; max-width: 220px; } }
.mfs-adviser__photo img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: 50% 15%;
  mix-blend-mode: lighten;
}
.mfs-adviser__caption { margin-top: 12px; font-size: 15px; line-height: 24px; }
.mfs-adviser__title { margin-top: 16px; }
.mfs-adviser__body { margin-top: 20px; max-width: 560px; }
.mfs-ticks { display: grid; gap: 12px; margin-top: 24px; }
.mfs-ticks li { display: flex; align-items: flex-start; gap: 12px; font-size: 17px; line-height: 28px; color: var(--mfs-navy); }
.mfs-ticks__icon {
  display: grid;
  place-items: center;
  flex-shrink: 0;
  width: 24px;
  height: 24px;
  margin-top: 2px;
  border-radius: 999px;
  background: var(--mfs-band);
}
.mfs-adviser__link { margin-top: 24px; }
.mfs-adviser__creds { padding: 24px; border-radius: var(--mfs-radius-lg); background: var(--mfs-band); }
@media (min-width: 1024px) { .mfs-adviser__creds { padding: 28px; } }
.mfs-adviser__list { margin-top: 16px; }
.mfs-adviser__list li { padding-block: 12px; border-top: 1px solid rgb(0 47 106 / 0.1); }
.mfs-adviser__list li:first-child { padding-top: 0; border-top: 0; }
.mfs-adviser__list li:last-child { padding-bottom: 0; }
.mfs-adviser__list .mfs-small { line-height: 20px; }

/* Reviews ----------------------------------------------------------------- */
.mfs-reviews__title { margin-top: 16px; max-width: 800px; }
.mfs-reviews { margin-top: 32px; }
@media (min-width: 1024px) { .mfs-reviews { margin-top: 40px; } }
.mfs-review {
  display: flex;
  flex-direction: column;
  width: 86%;
  padding: 24px;
  border-radius: var(--mfs-radius);
  background: #fff;
  color: var(--mfs-navy);
}
@media (min-width: 640px) { .mfs-review { width: calc((100% - 20px) / 2); padding: 28px; } }
@media (min-width: 1024px) { .mfs-review { width: calc((100% - 40px) / 3); } }
.mfs-review__top { display: flex; align-items: center; justify-content: space-between; gap: 12px; }
.mfs-review__platform { display: inline-flex; align-items: center; gap: 10px; font-size: 14px; font-weight: 600; }
.mfs-review__platform img { width: 28px; height: 28px; border-radius: 999px; }
.mfs-review__stars { color: var(--mfs-navy); }
.mfs-review__quote {
  flex: 1;
  margin-top: 20px;
  font-size: 17px;
  line-height: 27px;
  color: var(--mfs-navy);
  display: -webkit-box;
  -webkit-line-clamp: 8;
  -webkit-box-orient: vertical;
  overflow: hidden;
}
.mfs-review__foot {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 12px;
  margin-top: 20px;
  padding-top: 16px;
  border-top: 1px solid var(--mfs-line);
}
@media (min-width: 640px) {
  .mfs-review__foot { flex-direction: row; align-items: flex-end; justify-content: space-between; gap: 16px; }
}
.mfs-review__foot .mfs-small { line-height: 20px; }
.mfs-review__link {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  min-height: 44px;
  flex-shrink: 0;
  font-size: 13px;
  font-weight: 600;
  color: var(--mfs-navy);
}
@media (min-width: 640px) { .mfs-review__link { min-height: 0; } }
.mfs-ui a.mfs-review__link:hover { color: var(--mfs-navy); text-decoration: underline; text-underline-offset: 4px; }
.mfs-reviews__more { display: flex; justify-content: flex-end; margin-top: 28px; }

/* Local ------------------------------------------------------------------- */
.mfs-local__title { font-size: 34px; }
@media (min-width: 640px) { .mfs-local__title { font-size: 42px; } }
.mfs-local__body { margin-top: 16px; max-width: 420px; }
.mfs-local__near { margin-top: 20px; }

/* Guides ------------------------------------------------------------------ */
.mfs-guides { display: grid; gap: 16px; margin-top: 32px; }
@media (min-width: 768px) { .mfs-guides { grid-template-columns: repeat(3, 1fr); gap: 24px; } }
@media (min-width: 1024px) { .mfs-guides { margin-top: 40px; } }
.mfs-guide { display: flex; flex-direction: column; height: 100%; padding: 24px; color: var(--mfs-navy); }
@media (min-width: 1024px) { .mfs-guide { padding: 28px; } }
.mfs-guide__title { margin-top: 12px; font-size: 25px; line-height: 32px; }
@media (min-width: 1024px) { .mfs-guide__title { margin-top: 16px; font-size: 27px; } }
.mfs-guide__body { flex: 1; margin-top: 8px; line-height: 24px; }
@media (min-width: 1024px) { .mfs-guide__body { margin-top: 12px; } }
.mfs-guide__cta { display: inline-flex; align-items: center; gap: 6px; margin-top: 20px; font-size: 15px; font-weight: 600; }
.mfs-guide__cta .mfs-icon { transition: transform 0.2s; }
.mfs-guide:hover .mfs-guide__cta .mfs-icon { transform: translateX(4px); }
@media (min-width: 1024px) { .mfs-guide__cta { margin-top: 24px; } }
.mfs-guides__more { margin-top: 48px; }

/* Final enquiry ----------------------------------------------------------- */
.mfs-final { display: grid; align-items: center; gap: 40px; }
@media (min-width: 1024px) { .mfs-final { grid-template-columns: 7fr 5fr; } }
.mfs-final__roofs { display: block; width: auto; height: 40px; }
.mfs-final__title { margin-top: 24px; }
.mfs-final__body { max-width: 560px; margin-top: 16px; font-size: 18px; line-height: 28px; color: rgb(255 255 255 / 0.85); }
.mfs-final__buttons { display: grid; gap: 12px; margin-top: 16px; }
.mfs-final__label { display: inline-flex; align-items: center; gap: 12px; }
.mfs-final__talk { margin-top: 16px; font-size: 15px; color: rgb(255 255 255 / 0.85); }
.mfs-final__talk .mfs-link { color: #fff; }