/* ==========================================================================
   Credit Matters - Design System
   Navy + Red + White. Clean, fast, professional.
   ========================================================================== */

:root {
  /* Color */
  --navy:        #0A2342;
  --navy-900:    #071A33;
  --navy-800:    #0C2748;
  --red:         #E01E2D;
  --red-dark:    #C0151F;
  --blush:       #FCF2F2;
  --blush-2:     #FBF6F6;
  --ink:         #16203A;
  --muted:       #5B6472;
  --line:        #E7E9EF;
  --line-2:      #EEF0F5;
  --bg:          #FFFFFF;
  --bg-soft:     #F7F8FB;
  --green:       #00B67A;
  --white:       #FFFFFF;

  /* Type */
  --font-display: "Poppins", "Segoe UI", system-ui, -apple-system, sans-serif;
  --font-body: "Inter", "Segoe UI", system-ui, -apple-system, sans-serif;

  /* Layout */
  --maxw: 1180px;
  --gutter: clamp(1.1rem, 4vw, 2rem);
  --radius: 14px;
  --radius-sm: 9px;
  --radius-pill: 999px;

  /* Shadow */
  --shadow-sm: 0 1px 2px rgba(16,32,58,.06), 0 1px 3px rgba(16,32,58,.05);
  --shadow-md: 0 8px 24px rgba(16,32,58,.08), 0 2px 6px rgba(16,32,58,.05);
  --shadow-lg: 0 24px 60px rgba(10,35,66,.16);

  --ease: cubic-bezier(.22,.61,.36,1);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .001ms !important; transition-duration: .001ms !important; }
}

body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}

img, svg { display: block; max-width: 100%; }
img { height: auto; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; padding: 0; }
button { font: inherit; cursor: pointer; border: 0; background: none; }
input, select, textarea { font: inherit; color: inherit; }

h1, h2, h3, h4 { font-family: var(--font-display); font-weight: 700; line-height: 1.15; color: var(--navy); letter-spacing: -.01em; }

:focus-visible { outline: 3px solid var(--red); outline-offset: 2px; border-radius: 4px; }

.skip-link {
  position: absolute; left: -999px; top: 0; z-index: 200;
  background: var(--navy); color: #fff; padding: .7rem 1.1rem; border-radius: 0 0 8px 0;
}
.skip-link:focus { left: 0; }

/* ---------- Layout helpers ---------- */
.wrap { width: 100%; max-width: var(--maxw); margin-inline: auto; padding-inline: var(--gutter); }
.section { padding-block: clamp(3.2rem, 7vw, 5.5rem); }
.section--tint { background: var(--blush-2); }
.section--soft { background: var(--bg-soft); }
.center { text-align: center; }
.eyebrow {
  font-family: var(--font-display);
  font-weight: 600; font-size: .8rem; letter-spacing: .12em; text-transform: uppercase;
  color: var(--red);
}
.section-title { font-size: clamp(1.7rem, 3.6vw, 2.5rem); margin-top: .5rem; }
.section-title .accent { color: var(--red); }
.section-intro { color: var(--muted); max-width: 44rem; margin: .9rem auto 0; }
.accent { color: var(--red); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: .5rem;
  font-family: var(--font-display); font-weight: 600; font-size: .95rem;
  padding: .85rem 1.5rem; border-radius: var(--radius-sm);
  transition: transform .18s var(--ease), background .18s var(--ease), box-shadow .18s var(--ease);
  white-space: nowrap; text-align: center; justify-content: center;
}
.btn svg { width: 1.05em; height: 1.05em; }
.btn--primary { background: var(--red); color: #fff; box-shadow: 0 6px 18px rgba(224,30,45,.28); }
.btn--primary:hover { background: var(--red-dark); transform: translateY(-2px); }
.btn--navy { background: var(--navy); color: #fff; }
.btn--navy:hover { background: var(--navy-800); transform: translateY(-2px); }
.btn--ghost { background: #fff; color: var(--navy); border: 1.5px solid var(--line); }
.btn--ghost:hover { border-color: var(--navy); transform: translateY(-2px); }
.btn--block { width: 100%; }
.btn--lg { padding: 1rem 1.8rem; font-size: 1rem; }

.link-more { font-family: var(--font-display); font-weight: 600; color: var(--red); font-size: .92rem; display: inline-flex; align-items: center; gap: .35rem; }
.link-more::after { content: "->"; transition: transform .2s var(--ease); }
.link-more:hover::after { transform: translateX(4px); }

/* ==========================================================================
   Top bar + Header
   ========================================================================== */
.topbar {
  background: var(--navy-900); color: #cdd6e4;
  font-size: .82rem;
}
.topbar .wrap { display: flex; align-items: center; justify-content: space-between; gap: 1rem; min-height: 40px; flex-wrap: wrap; }
.topbar a { color: #eaf0f8; font-weight: 500; }
.topbar a:hover { color: #fff; }
.topbar__left { display: flex; gap: 1.4rem; flex-wrap: wrap; }
.topbar__item { display: inline-flex; align-items: center; gap: .4rem; }
.topbar__item svg { width: 14px; height: 14px; opacity: .85; }
.topbar__refer { background: var(--red); color: #fff !important; padding: .25rem .7rem; border-radius: var(--radius-pill); font-weight: 600; }

.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.92);
  backdrop-filter: saturate(1.4) blur(10px);
  border-bottom: 1px solid var(--line);
}
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; min-height: 72px; gap: 1rem; }

.brand { display: inline-flex; align-items: center; gap: .6rem; }
.brand__mark { width: 34px; height: 34px; flex: none; }
.brand__text { font-family: var(--font-display); font-weight: 800; font-size: 1.15rem; letter-spacing: -.02em; color: var(--navy); }
.brand__text b { color: var(--red); font-weight: 800; }

.nav { display: flex; align-items: center; gap: .3rem; }
.nav__list { display: flex; align-items: center; gap: .15rem; }
.nav__link {
  font-family: var(--font-display); font-weight: 500; font-size: .95rem; color: var(--navy);
  padding: .6rem .85rem; border-radius: 8px; display: inline-flex; align-items: center; gap: .3rem;
  transition: color .15s, background .15s;
}
.nav__link:hover, .nav__link[aria-current="page"] { color: var(--red); }
.nav__item { position: relative; }
.nav__item--has > .nav__link::after {
  content: ""; width: 7px; height: 7px; border-right: 2px solid currentColor; border-bottom: 2px solid currentColor;
  transform: rotate(45deg); margin-left: .1rem; margin-top: -3px; transition: transform .2s;
}
.nav__item--has:hover > .nav__link::after,
.nav__item--has:focus-within > .nav__link::after { transform: rotate(225deg); margin-top: 2px; }

.submenu {
  position: absolute; top: calc(100% + 8px); left: 0; min-width: 240px;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-lg);
  padding: .5rem; opacity: 0; visibility: hidden; transform: translateY(6px);
  transition: opacity .18s, transform .18s, visibility .18s;
}
.nav__item--has:hover .submenu,
.nav__item--has:focus-within .submenu { opacity: 1; visibility: visible; transform: translateY(0); }
.submenu a { display: block; padding: .6rem .75rem; border-radius: 8px; font-size: .92rem; font-weight: 500; color: var(--ink); }
.submenu a:hover { background: var(--blush); color: var(--red); }

.header-cta { display: flex; align-items: center; gap: 1rem; }
.header-phone { display: inline-flex; align-items: center; gap: .55rem; }
.header-phone__icon { width: 38px; height: 38px; border-radius: 50%; background: var(--blush); color: var(--red); display: grid; place-items: center; flex: none; }
.header-phone__icon svg { width: 18px; height: 18px; }
.header-phone__label { font-size: .72rem; color: var(--muted); line-height: 1; }
.header-phone__num { font-family: var(--font-display); font-weight: 700; color: var(--navy); font-size: .98rem; }

.nav-toggle { display: none; width: 42px; height: 42px; border-radius: 10px; border: 1px solid var(--line); }
.nav-toggle span { display: block; width: 20px; height: 2px; background: var(--navy); margin: 4px auto; border-radius: 2px; transition: transform .25s, opacity .2s; }

/* ==========================================================================
   Hero
   ========================================================================== */
.hero { background: linear-gradient(180deg, var(--blush) 0%, #fff 88%); position: relative; overflow: hidden; }
.hero__grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: clamp(1.5rem, 4vw, 3rem); align-items: center; padding-block: clamp(2.6rem, 6vw, 4.5rem); }
.hero__eyebrow { color: var(--red); font-weight: 600; font-family: var(--font-display); letter-spacing: .06em; text-transform: uppercase; font-size: .82rem; }
.hero h1 { font-size: clamp(2.1rem, 5.2vw, 3.5rem); margin-top: .6rem; line-height: 1.08; }
.hero h1 .accent { color: var(--red); }
.hero__lede { color: var(--muted); font-size: 1.06rem; margin-top: 1.1rem; max-width: 34rem; }
.hero__subhead { color: var(--navy); font-weight: 700; font-size: clamp(1.25rem, 2vw, 1.5rem); margin-top: 1rem; max-width: 34rem; font-family: var(--font-display); line-height: 1.35; }
.hero__note { color: var(--muted); font-size: .78rem; margin-top: 1rem; }
.hero__list { margin-top: 1.4rem; display: grid; gap: .7rem; }
.hero__list li { display: flex; align-items: center; gap: .7rem; font-weight: 500; color: var(--ink); }
.hero__list svg { width: 22px; height: 22px; flex: none; color: var(--red); }
.hero__trust { margin-top: 1.7rem; display: flex; align-items: center; gap: .9rem; flex-wrap: wrap; }
.trust-badge { display: inline-flex; align-items: center; gap: .5rem; font-family: var(--font-display); font-weight: 700; color: var(--navy); }
.trust-stars { display: inline-flex; gap: 2px; }
.trust-star { width: 20px; height: 20px; background: var(--green); display: grid; place-items: center; border-radius: 3px; }
.trust-star svg { width: 13px; height: 13px; color: #fff; }
.hero__rating { font-size: .86rem; color: var(--muted); font-weight: 600; }

/* Hero slideshow (crossfade) */
.hero-slider { display: grid; }
.hero-slide { grid-area: 1 / 1; opacity: 0; visibility: hidden; transform: translateY(10px);
  transition: opacity .55s ease, transform .55s ease; pointer-events: none; }
.hero-slide.is-active { opacity: 1; visibility: visible; transform: none; pointer-events: auto; }
.hero-dots { display: flex; gap: .55rem; margin-top: 1.6rem; }
.hero-dot { width: 30px; height: 5px; border: 0; padding: 0; border-radius: 999px;
  background: rgba(10,35,66,.18); cursor: pointer; transition: background .3s, width .3s; }
.hero-dot:hover { background: rgba(10,35,66,.35); }
.hero-dot.is-active { background: var(--red); width: 46px; }
.hero-dot:focus-visible { outline: 2px solid var(--navy); outline-offset: 3px; }
@media (prefers-reduced-motion: reduce) {
  .hero-slide { transition: opacity .2s ease; transform: none; }
}

.hero__visual { position: relative; }
.hero__illus { width: 100%; height: auto; border-radius: var(--radius); }

/* Consultation form card */
.lead-card {
  background: #fff; border-radius: var(--radius); box-shadow: var(--shadow-lg);
  border: 1px solid var(--line-2); padding: clamp(1.3rem, 3vw, 1.8rem);
}
.lead-card__title { text-align: center; font-size: 1.3rem; }
.lead-card__sub { text-align: center; color: var(--muted); font-size: .9rem; margin-top: .25rem; margin-bottom: 1.1rem; }
.field { margin-bottom: .7rem; }
.field label { position: absolute; left: -9999px; }
.field input, .field select, .field textarea {
  width: 100%; padding: .8rem .9rem; border: 1px solid var(--line); border-radius: var(--radius-sm);
  background: #fff; color: var(--ink); transition: border-color .15s, box-shadow .15s;
}
.field input::placeholder, .field textarea::placeholder { color: #97a0af; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--red); box-shadow: 0 0 0 3px rgba(224,30,45,.12); }
.field textarea { resize: vertical; min-height: 78px; }
.field select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath fill='%235B6472' d='M6 8 0 0h12z'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 1rem center; }
.lead-card .btn { margin-top: .35rem; }
.lead-card__secure { display: flex; align-items: center; justify-content: center; gap: .4rem; font-size: .78rem; color: var(--muted); margin-top: .85rem; }
.lead-card__secure svg { width: 14px; height: 14px; color: var(--green); }
.form-note { font-size: .85rem; padding: .7rem .9rem; border-radius: 8px; margin-bottom: .8rem; display: none; }
.form-note--ok { display: block; background: #e6f7f0; color: #05663f; border: 1px solid #b6e6d1; }

/* ==========================================================================
   Services grid
   ========================================================================== */
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin-top: 2.4rem; }
.service-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.6rem 1.3rem; text-align: center; transition: transform .2s var(--ease), box-shadow .2s var(--ease), border-color .2s;
  display: flex; flex-direction: column;
}
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: transparent; }
.service-card__icon { width: 56px; height: 56px; margin: 0 auto 1rem; border-radius: 14px; background: var(--blush); display: grid; place-items: center; color: var(--red); }
.service-card__icon svg { width: 28px; height: 28px; }
.service-card h3 { font-size: 1.02rem; }
.service-card p { color: var(--muted); font-size: .88rem; margin-top: .5rem; flex: 1; }
.service-card .link-more { margin-top: 1rem; font-size: .85rem; }
.service-card--linked h2 { font-size: 1.05rem; }
.service-card--linked .link-more svg { width: 1rem; height: 1rem; }
.services-grid--overview .service-card { text-align: left; }
.services-grid--overview .service-card__icon { margin-left: 0; }
.service-form-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(320px, 460px); align-items: center; gap: clamp(2rem, 6vw, 5rem); }
.service-form-grid > div > p { color: var(--muted); margin-top: 1rem; }
.service-form-grid .lead-card { width: 100%; }

/* Debt types */
.debt-types { background: linear-gradient(180deg, #f8fbeF 0%, #f2f7e8 100%); border-block: 1px solid #e5edda; }
.debt-types__grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 1.1rem; margin-top: 2.4rem; }
.debt-type { min-width: 0; text-align: center; padding: 1rem .5rem; }
.debt-type__icon { width: 64px; height: 64px; margin: 0 auto .8rem; border-radius: 18px; display: grid; place-items: center; color: var(--navy); background: linear-gradient(135deg, #96c036 0%, #bfdf76 100%); box-shadow: 0 8px 20px rgba(150, 192, 54, .2); }
.debt-type__icon svg { width: 32px; height: 32px; }
.debt-type h3 { font-size: .9rem; line-height: 1.35; }
.debt-types__note { margin-top: 2.2rem; padding: 1.2rem 1.4rem; background: rgba(255,255,255,.76); border: 1px solid #dfe8d2; border-radius: var(--radius); display: flex; align-items: center; gap: 1rem; }
.debt-types__note strong { color: var(--navy); white-space: nowrap; }
.debt-types__note span { color: var(--muted); flex: 1; }
.debt-types__note .btn { white-space: nowrap; }

/* ==========================================================================
   Stats band
   ========================================================================== */
.stats { background: var(--navy); color: #fff; }
.stats__inner { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; text-align: center; }
.stats__eyebrow { text-align: center; color: var(--red); letter-spacing: .14em; text-transform: uppercase; font-family: var(--font-display); font-weight: 600; font-size: .78rem; }
.stats__head { text-align: center; color: #fff; font-size: clamp(1.5rem, 3.5vw, 2.2rem); margin: .5rem 0 2.4rem; }
.stats__head .accent { color: var(--red); }
.stat { position: relative; padding: .5rem; }
.stat + .stat::before { content: ""; position: absolute; left: 0; top: 15%; height: 70%; width: 1px; background: rgba(255,255,255,.14); }
.stat__icon { color: var(--red); margin: 0 auto .6rem; width: 30px; height: 30px; }
.stat__num { font-family: var(--font-display); font-weight: 800; font-size: clamp(1.7rem, 4vw, 2.3rem); color: #fff; }
.stat__label { color: #b9c4d6; font-size: .88rem; margin-top: .2rem; }

/* Credibility statement */
.credibility-statement { background: #f7faef; padding: 1.6rem 0; border-bottom: 1px solid #e5edda; }
.credibility-statement__inner { max-width: 980px; margin-inline: auto; display: flex; align-items: center; gap: 1rem; text-align: center; justify-content: center; }
.credibility-statement__mark { width: 46px; height: 46px; border-radius: 14px; flex: none; display: grid; place-items: center; color: var(--navy); background: linear-gradient(135deg, #96c036 0%, #bfdf76 100%); box-shadow: 0 8px 18px rgba(150, 192, 54, .2); }
.credibility-statement__mark svg { width: 24px; height: 24px; }
.credibility-statement p { color: var(--ink); font-size: 1rem; line-height: 1.75; font-weight: 500; }

/* ==========================================================================
   About split
   ========================================================================== */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(1.8rem, 5vw, 3.5rem); align-items: center; }
.split__media img, .split__media svg { width: 100%; border-radius: var(--radius); box-shadow: var(--shadow-md); }
.split h2 { font-size: clamp(1.6rem, 3.4vw, 2.3rem); margin-top: .5rem; }
.split p { color: var(--muted); margin-top: 1rem; }
.check-list { margin-top: 1.4rem; display: grid; gap: .8rem; }
.check-list li { display: flex; align-items: flex-start; gap: .7rem; font-weight: 500; }
.check-list svg { width: 22px; height: 22px; flex: none; color: var(--red); margin-top: .1rem; }
.split .btn { margin-top: 1.7rem; }

/* ==========================================================================
   Process / How it works
   ========================================================================== */
.process { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; margin-top: 2.6rem; align-items: stretch; }
.step {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.7rem 1.3rem; text-align: center; position: relative;
}
.step__num { position: absolute; top: -14px; left: 50%; transform: translateX(-50%); width: 30px; height: 30px; border-radius: 50%; background: var(--red); color: #fff; font-family: var(--font-display); font-weight: 700; display: grid; place-items: center; font-size: .9rem; box-shadow: 0 4px 10px rgba(224,30,45,.3); }
.step__icon { width: 46px; height: 46px; margin: .6rem auto 1rem; color: var(--navy); }
.step h3 { font-size: 1rem; }
.step p { color: var(--muted); font-size: .87rem; margin-top: .45rem; }
.process__arrow { display: none; }

/* ==========================================================================
   CTA banner
   ========================================================================== */
.cta-banner { background: var(--blush); border-radius: var(--radius); padding: clamp(1.8rem, 4vw, 2.6rem); display: flex; align-items: center; justify-content: space-between; gap: 1.6rem; flex-wrap: wrap; border: 1px solid #f6dede; }
.cta-banner h2 { font-size: clamp(1.4rem, 3vw, 2rem); }
.cta-banner p { color: var(--muted); margin-top: .5rem; max-width: 30rem; }
.cta-banner__side { display: flex; flex-direction: column; align-items: flex-start; gap: .7rem; }
.cta-banner__call { display: inline-flex; align-items: center; gap: .5rem; font-weight: 600; color: var(--navy); }
.cta-banner__call svg { width: 20px; height: 20px; color: var(--red); }
.cta-banner__call a { color: var(--red); }

/* ==========================================================================
   Resource cards
   ========================================================================== */
.res-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.2rem; margin-top: 2.4rem; }
.res-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.6rem 1.4rem; transition: transform .2s var(--ease), box-shadow .2s var(--ease); }
.res-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.res-card__icon { width: 50px; height: 50px; border-radius: 12px; background: var(--blush); color: var(--red); display: grid; place-items: center; margin-bottom: 1rem; }
.res-card__icon svg { width: 26px; height: 26px; }
.res-card h3 { font-size: 1.08rem; }
.res-card p { color: var(--muted); font-size: .9rem; margin: .5rem 0 1rem; }

/* ==========================================================================
   Testimonials
   ========================================================================== */
.tst-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.2rem; margin-top: 2.4rem; }
.tst { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.6rem 1.5rem; box-shadow: var(--shadow-sm); }
.tst__stars { display: flex; gap: 3px; color: #f5a623; margin-bottom: .8rem; }
.tst__stars svg { width: 18px; height: 18px; }
.tst__quote { color: var(--ink); font-size: .94rem; }
.tst__by { margin-top: 1.1rem; display: flex; align-items: center; gap: .7rem; }
.tst__avatar { width: 42px; height: 42px; border-radius: 50%; background: var(--navy); color: #fff; display: grid; place-items: center; font-family: var(--font-display); font-weight: 700; }
.tst__name { font-family: var(--font-display); font-weight: 600; color: var(--navy); font-size: .95rem; }
.tst__loc { font-size: .82rem; color: var(--muted); }

/* ==========================================================================
   Page hero (interior pages)
   ========================================================================== */
.page-hero { background: var(--navy); color: #fff; position: relative; overflow: hidden; }
.page-hero::after { content: ""; position: absolute; right: -6%; top: -40%; width: 460px; height: 460px; background: radial-gradient(circle, rgba(224,30,45,.28), transparent 60%); }
.page-hero .wrap { position: relative; z-index: 1; padding-block: clamp(2.6rem, 6vw, 4rem); }
.page-hero h1 { color: #fff; font-size: clamp(1.9rem, 4.5vw, 2.9rem); }
.page-hero p { color: #c3cee0; margin-top: .8rem; max-width: 42rem; }
.breadcrumb { display: flex; gap: .5rem; align-items: center; font-size: .85rem; color: #9fb0c9; margin-bottom: 1rem; }
.breadcrumb a:hover { color: #fff; }
.breadcrumb span { opacity: .6; }
.breadcrumb [aria-current] { color: #fff; }

/* Rich content */
.prose { max-width: 46rem; }
.prose h2 { font-size: clamp(1.4rem, 3vw, 1.9rem); margin-top: 2.2rem; }
.prose h3 { font-size: 1.2rem; margin-top: 1.6rem; }
.prose p { color: var(--muted); margin-top: 1rem; }
.prose ul.bullets { margin-top: 1rem; display: grid; gap: .6rem; }
.prose ul.bullets li { display: flex; gap: .6rem; color: var(--ink); }
.prose ul.bullets li::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: var(--red); margin-top: .55rem; flex: none; }

.content-grid { display: grid; grid-template-columns: 1.6fr .9fr; gap: clamp(1.8rem, 4vw, 3rem); align-items: start; }
.sidecard { background: var(--blush); border: 1px solid #f6dede; border-radius: var(--radius); padding: 1.6rem; position: sticky; top: 96px; }
.sidecard h3 { font-size: 1.15rem; }
.sidecard p { color: var(--muted); font-size: .9rem; margin: .5rem 0 1.1rem; }
.sidecard ul { display: grid; gap: .5rem; margin-bottom: 1.2rem; }
.sidecard ul a { display: flex; align-items: center; gap: .5rem; font-weight: 500; padding: .5rem .6rem; border-radius: 8px; font-size: .92rem; }
.sidecard ul a:hover { background: #fff; color: var(--red); }
.sidecard ul a::before { content: "->"; color: var(--red); }

/* Feature cards row (interior) */
.feature-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.2rem; margin-top: 2.4rem; }
.feature { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.5rem; }
.feature__icon { width: 46px; height: 46px; border-radius: 12px; background: var(--blush); color: var(--red); display: grid; place-items: center; margin-bottom: .9rem; }
.feature__icon svg { width: 24px; height: 24px; }
.feature h3 { font-size: 1.05rem; }
.feature p { color: var(--muted); font-size: .9rem; margin-top: .45rem; }

/* FAQ */
.faq { max-width: 46rem; margin-top: 2rem; }
.faq details { border: 1px solid var(--line); border-radius: var(--radius-sm); margin-bottom: .8rem; background: #fff; overflow: hidden; }
.faq summary { list-style: none; cursor: pointer; padding: 1.1rem 1.3rem; font-family: var(--font-display); font-weight: 600; color: var(--navy); display: flex; justify-content: space-between; align-items: center; gap: 1rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.4rem; color: var(--red); font-weight: 400; line-height: 1; flex: none; transition: transform .2s; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details > p { padding: 0 1.3rem 1.2rem; color: var(--muted); }

/* Blog cards */
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.4rem; margin-top: 2.4rem; }
.post { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; display: flex; flex-direction: column; transition: transform .2s var(--ease), box-shadow .2s var(--ease); }
.post:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.post__thumb { aspect-ratio: 16/9; background: linear-gradient(135deg, var(--navy), var(--navy-800)); position: relative; display: grid; place-items: center; }
.post__thumb svg { width: 54px; height: 54px; color: rgba(255,255,255,.85); }
.post__body { padding: 1.3rem 1.4rem 1.5rem; display: flex; flex-direction: column; flex: 1; }
.post__tag { font-size: .74rem; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--red); }
.post h3 { font-size: 1.08rem; margin-top: .5rem; }
.post p { color: var(--muted); font-size: .9rem; margin-top: .5rem; flex: 1; }
.post__meta { margin-top: 1rem; font-size: .82rem; color: var(--muted); }

/* Contact */
.contact-grid { display: grid; grid-template-columns: 1fr 1.1fr; gap: clamp(1.8rem, 4vw, 3rem); align-items: start; }
.contact-info { display: grid; gap: 1.1rem; }
.info-item { display: flex; gap: .9rem; align-items: flex-start; }
.info-item__icon { width: 46px; height: 46px; border-radius: 12px; background: var(--blush); color: var(--red); display: grid; place-items: center; flex: none; }
.info-item__icon svg { width: 22px; height: 22px; }
.info-item h3 { font-size: 1rem; }
.info-item p, .info-item a { color: var(--muted); font-size: .93rem; margin-top: .2rem; }
.info-item a:hover { color: var(--red); }
.contact-form { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: clamp(1.5rem, 3vw, 2rem); box-shadow: var(--shadow-sm); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: .7rem; }

/* Refer a friend */
.referral-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: clamp(2rem, 5vw, 4rem); align-items: start; }
.referral-copy > h2 { font-size: clamp(1.75rem, 3vw, 2.35rem); margin-top: .5rem; }
.referral-copy > p:not(.eyebrow):not(.referral-terms) { color: var(--muted); margin-top: 1rem; }
.referral-reward {
  display: flex; align-items: center; gap: 1rem; margin-top: 1.6rem; padding: 1.15rem 1.25rem;
  border: 1px solid rgba(150,192,54,.32); border-radius: var(--radius);
  background: linear-gradient(135deg, rgba(150,192,54,.12), rgba(191,223,118,.22));
  color: var(--navy); box-shadow: var(--shadow-sm);
}
.referral-reward__amount { font-family: var(--font-display); font-size: 2rem; font-weight: 800; line-height: 1; color: #79a61c; }
.referral-copy .check-list { margin-top: 1.5rem; }
.referral-terms { margin-top: 1.25rem; color: var(--muted); font-size: .82rem; }
.referral-form { box-shadow: var(--shadow-md); }
.referral-form > h2 { font-size: 1.45rem; }
.referral-form > h3 { margin: 1.2rem 0 .65rem; font-size: .9rem; letter-spacing: .04em; text-transform: uppercase; color: var(--navy); }
.referral-form__intro { color: var(--muted); font-size: .9rem; margin-top: .3rem; }
.consent-check { display: flex; align-items: flex-start; gap: .65rem; margin: 1rem 0; color: var(--muted); font-size: .84rem; cursor: pointer; }
.consent-check input { width: 18px; height: 18px; margin-top: .15rem; accent-color: #96c036; flex: none; }
.referral-process { grid-template-columns: repeat(3, 1fr); }

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer { background: var(--navy-900); color: #c4cfdf; padding-top: clamp(2.8rem, 6vw, 4rem); }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr 1.2fr; gap: 2rem; }
.footer-brand .brand__text { color: #fff; }
.footer-brand p { font-size: .9rem; margin-top: 1rem; color: #9fadc2; max-width: 22rem; }
.social { display: flex; gap: .6rem; margin-top: 1.3rem; }
.social a { width: 36px; height: 36px; border-radius: 50%; border: 1px solid rgba(255,255,255,.18); display: grid; place-items: center; color: #cdd6e4; transition: background .15s, border-color .15s, color .15s; }
.social a:hover { background: var(--red); border-color: var(--red); color: #fff; }
.social svg { width: 16px; height: 16px; }
.footer-col h4 { color: #fff; font-size: .95rem; margin-bottom: 1rem; }
.footer-col ul { display: grid; gap: .6rem; }
.footer-col a { font-size: .9rem; color: #a9b6c9; }
.footer-col a:hover { color: #fff; }
.footer-contact li { display: flex; gap: .55rem; align-items: flex-start; font-size: .9rem; margin-bottom: .7rem; color: #a9b6c9; }
.footer-contact svg { width: 16px; height: 16px; color: var(--red); flex: none; margin-top: .2rem; }
.footer-contact a:hover { color: #fff; }
.footer-book { margin-top: 1rem; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); margin-top: 2.6rem; padding-block: 1.3rem; }
.footer-bottom .wrap { display: flex; justify-content: space-between; align-items: center; gap: 1rem; flex-wrap: wrap; font-size: .84rem; color: #8695ac; }
.footer-bottom nav { display: flex; gap: 1.3rem; }
.footer-bottom a:hover { color: #fff; }
.footer-flag { display: inline-flex; align-items: center; gap: .4rem; }
.footer-flag svg { width: 20px; height: 14px; border-radius: 2px; }

.disclaimer { background: var(--navy); color: #7f8ea6; font-size: .76rem; padding-block: 1rem; text-align: center; }
.disclaimer .wrap { max-width: 60rem; }
.disclaimer__firm { margin-top: .55rem; color: #c8d2e1; font-weight: 600; }

/* ==========================================================================
   Reveal on scroll
   ========================================================================== */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .6s var(--ease), transform .6s var(--ease); }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; } }

/* ==========================================================================
   Responsive
   ========================================================================== */
@media (max-width: 1024px) {
  .services-grid { grid-template-columns: repeat(3, 1fr); }
  .debt-types__grid { grid-template-columns: repeat(4, 1fr); }
  .process { grid-template-columns: repeat(2, 1fr); gap: 1.4rem 1rem; }
  .footer-grid { grid-template-columns: 1.4fr 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
  .service-form-grid { grid-template-columns: 1fr; }
}

@media (max-width: 860px) {
  .nav { position: fixed; inset: 0 0 0 auto; width: min(340px, 84vw); background: #fff; flex-direction: column; align-items: stretch; padding: 5rem 1.3rem 2rem; box-shadow: var(--shadow-lg); transform: translateX(100%); transition: transform .3s var(--ease); overflow-y: auto; z-index: 120; }
  .nav.open { transform: translateX(0); }
  .nav__list { flex-direction: column; align-items: stretch; gap: 0; width: 100%; }
  .nav__item { width: 100%; }
  .nav__link { padding: .85rem .6rem; justify-content: space-between; border-bottom: 1px solid var(--line-2); border-radius: 0; }
  .nav__item--has > .nav__link::after { margin-left: auto; }
  .submenu { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: 0; border-radius: 0; padding: 0 0 .5rem 1rem; min-width: 0; display: none; }
  .nav__item--has.open .submenu { display: block; }
  .nav-toggle { display: block; z-index: 130; }
  .header-cta .header-phone__meta { display: none; }
  .nav-backdrop { position: fixed; inset: 0; background: rgba(7,26,51,.4); opacity: 0; visibility: hidden; transition: opacity .3s; z-index: 110; }
  .nav-backdrop.show { opacity: 1; visibility: visible; }
  body.nav-open { overflow: hidden; }

  .hero__grid { grid-template-columns: 1fr; }
  .hero__visual { margin-top: 1.8rem; }
  .lead-card { max-width: 480px; margin-inline: auto; }
  .split { grid-template-columns: 1fr; }
  .split__media { order: -1; }
  .content-grid { grid-template-columns: 1fr; }
  .sidecard { position: static; }
  .contact-grid { grid-template-columns: 1fr; }
  .referral-grid { grid-template-columns: 1fr; }
}

@media (max-width: 720px) {
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .debt-types__grid { grid-template-columns: repeat(3, 1fr); }
  .debt-types__note { align-items: flex-start; flex-direction: column; }
  .stats__inner { grid-template-columns: repeat(2, 1fr); gap: 2rem 1rem; }
  .stat + .stat::before { display: none; }
  .stat:nth-child(odd)::before { display: none; }
  .res-grid, .tst-grid, .feature-row, .blog-grid { grid-template-columns: 1fr; }
  .cta-banner { flex-direction: column; align-items: flex-start; }
  .topbar { display: none; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-bottom .wrap { flex-direction: column; align-items: flex-start; }
}

@media (max-width: 480px) {
  .services-grid { grid-template-columns: 1fr; }
  .debt-types__grid { grid-template-columns: repeat(2, 1fr); gap: .5rem; }
  .process { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .brand__text { font-size: 1rem; }
  .credibility-statement__inner { align-items: flex-start; text-align: left; }
}

/* Button and icon colour treatment */
.btn,
.topbar__refer {
  background: linear-gradient(135deg, #96c036 0%, #bfdf76 100%);
  border-color: #96c036;
  color: var(--navy);
  box-shadow: 0 6px 18px rgba(150, 192, 54, .28);
}

.btn:hover,
.topbar__refer:hover {
  background: linear-gradient(135deg, #bfdf76 0%, #96c036 100%);
  border-color: #96c036;
  color: var(--navy);
}

.topbar__refer {
  transform-origin: center;
  animation: refer-pop 2.8s ease-in-out infinite;
  will-change: transform;
}

.topbar__refer:hover,
.topbar__refer:focus-visible {
  animation-play-state: paused;
  transform: scale(1.06);
}

@keyframes refer-pop {
  0%, 64%, 100% { transform: scale(1); }
  70% { transform: scale(1.1); }
  76% { transform: scale(.98); }
  82% { transform: scale(1.06); }
  90% { transform: scale(1); }
}

.header-phone__icon,
.service-card__icon,
.res-card__icon,
.feature__icon,
.info-item__icon,
.step__num,
.trust-star,
.social a:hover {
  background: linear-gradient(135deg, #96c036 0%, #bfdf76 100%);
  border-color: #96c036;
  color: var(--navy);
}

.hero-dot.is-active,
.nav-toggle span {
  background: linear-gradient(90deg, #96c036 0%, #bfdf76 100%);
}

.hero__list svg,
.stat__icon,
.step__icon,
.check-list svg,
.cta-banner__call svg,
.footer-contact svg {
  color: #96c036;
}

/* Formerly red text accents */
.section-title .accent,
.accent,
.link-more,
.brand__text b,
.nav__link:hover,
.nav__link[aria-current="page"],
.submenu a:hover,
.hero__eyebrow,
.hero h1 .accent,
.stats__eyebrow,
.stats__head .accent,
.cta-banner__call a,
.sidecard ul a:hover,
.post__tag,
.info-item a:hover {
  background: linear-gradient(90deg, #96c036 0%, #bfdf76 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  color: transparent !important;
}