/* =========================================================
   THE CREDIT ADVICE — MAIN STYLESHEET (v2 — clearmoneyadvisor style)
   ========================================================= */

/* ── 1. DESIGN TOKENS ──────────────────────────────────── */
:root {
  /* Blue scale */
  --blue-900: #0B1D35;
  --blue-800: #122447;
  --blue-700: #162D58;
  --blue-600: #1D3461;   /* PRIMARY */
  --blue-500: #24427B;
  --blue-400: #2F5FA8;
  --blue-300: #4B80CB;
  --blue-200: #8BB5E4;
  --blue-100: #D0E4F5;
  --blue-50:  #EBF4FD;

  /* Green scale */
  --green-800: #005729;
  --green-700: #007237;
  --green-600: #008F45;
  --green-500: #00A651;   /* CTA / ACCENT */
  --green-400: #16BA63;
  --green-300: #3FCC7E;
  --green-200: #8DE5B2;
  --green-100: #C2F0D6;
  --green-50:  #E6F9EE;

  /* Orange */
  --orange-500: #E8600A;
  --orange-400: #F07A2A;
  --orange-100: #FEF0E5;

  /* Neutrals */
  --gray-900: #0F1923;
  --gray-800: #1A2635;
  --gray-700: #2D3B4E;
  --gray-600: #3F5163;
  --gray-500: #596578;
  --gray-400: #7C8FA3;
  --gray-300: #A3B2C0;
  --gray-200: #C7D2DA;
  --gray-100: #DFE8EF;
  --gray-50:  #F4F7FB;
  --white:    #FFFFFF;

  /* Semantic */
  --primary:       var(--blue-600);
  --primary-dark:  var(--blue-800);
  --primary-light: var(--blue-50);
  --accent:        var(--green-500);
  --accent-dark:   var(--green-700);
  --accent-light:  var(--green-50);
  --text:          var(--gray-800);
  --text-muted:    var(--gray-500);
  --text-light:    var(--gray-400);
  --heading:       var(--blue-700);
  --bg:            var(--white);
  --bg-alt:        var(--gray-50);
  --border:        var(--gray-100);
  --border-mid:    var(--gray-200);

  /* Typography */
  --font: 'Poppins', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  /* Scale */
  --text-xs:   0.75rem;
  --text-sm:   0.875rem;
  --text-base: 1rem;
  --text-lg:   1.125rem;
  --text-xl:   1.25rem;
  --text-2xl:  1.5rem;
  --text-3xl:  1.875rem;
  --text-4xl:  2.25rem;
  --text-5xl:  2.875rem;
  --text-6xl:  3.5rem;

  /* Spacing */
  --s1: .25rem; --s2: .5rem;  --s3: .75rem; --s4: 1rem;
  --s5: 1.25rem;--s6: 1.5rem; --s8: 2rem;   --s10: 2.5rem;
  --s12: 3rem;  --s16: 4rem;  --s20: 5rem;  --s24: 6rem;

  /* Radii */
  --r-sm: .25rem; --r-md: .5rem; --r-lg: .75rem;
  --r-xl: 1rem;   --r-2xl: 1.5rem; --r-full: 9999px;

  /* Shadows */
  --shadow-xs:  0 1px 2px rgba(0,0,0,.05);
  --shadow-sm:  0 2px 6px rgba(0,0,0,.07);
  --shadow-md:  0 4px 14px rgba(0,0,0,.1);
  --shadow-lg:  0 8px 28px rgba(0,0,0,.12);
  --shadow-xl:  0 16px 48px rgba(0,0,0,.15);
  --shadow-card:       0 2px 12px rgba(29,52,97,.08);
  --shadow-card-hover: 0 8px 32px rgba(29,52,97,.18);
  --shadow-green: 0 6px 20px rgba(0,166,81,.35);
  --shadow-blue:  0 6px 20px rgba(29,52,97,.35);

  /* Transitions */
  --t-fast:   150ms ease;
  --t-base:   250ms ease;
  --t-slow:   400ms ease;
  --t-bounce: 350ms cubic-bezier(.34,1.56,.64,1);

  /* Layout */
  --max-w:  1240px;
  --px:     1.5rem;
  --nav-h:  64px;
}

/* ── 2. RESET & BASE ────────────────────────────────────── */
*,*::before,*::after { box-sizing:border-box; margin:0; padding:0; }
html {
  scroll-behavior: smooth;
  scroll-padding-top: var(--nav-h);
  font-size: 16px;
  -webkit-text-size-adjust: 100%;
}
body {
  font-family: var(--font);
  font-size: var(--text-base);
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
img,svg { display:block; max-width:100%; }
a { color:inherit; text-decoration:none; }
ul,ol { list-style:none; }
button { cursor:pointer; border:none; background:none; font-family:inherit; }
input,textarea,select { font-family:inherit; }

/* ── 3. UTILITIES ───────────────────────────────────────── */
.container {
  width:100%;
  max-width: var(--max-w);
  margin-inline: auto;
  padding-inline: var(--px);
}
.section-pad    { padding-block: var(--s20); }
.section-pad-lg { padding-block: var(--s24); }
.section-pad-sm { padding-block: var(--s16); }

/* Section label */
.section-label {
  display: inline-flex;
  align-items: center;
  gap: var(--s2);
  font-size: var(--text-xs);
  font-weight: 600;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: var(--s3);
}
.section-label::before {
  content: '';
  display: block;
  width: 20px; height: 3px;
  background: var(--accent);
  border-radius: var(--r-full);
}

.section-title {
  font-size: clamp(var(--text-2xl), 3vw, var(--text-4xl));
  font-weight: 700;
  color: var(--heading);
  line-height: 1.25;
  margin-bottom: var(--s4);
  letter-spacing: -.01em;
}
.section-title span { color: var(--accent); }
.section-title .blue { color: var(--blue-400); }

.section-sub {
  font-size: var(--text-lg);
  color: var(--text-muted);
  max-width: 58ch;
  line-height: 1.7;
}
.text-center .section-sub { margin-inline: auto; }
.text-center .section-label { margin-inline: auto; }
.text-center .section-label::before { display: none; }
.text-center { text-align: center; }

/* Divider underline */
.title-underline {
  display: block;
  width: 56px; height: 4px;
  background: var(--accent);
  border-radius: var(--r-full);
  margin-top: var(--s4);
}
.text-center .title-underline { margin-inline: auto; }

/* Reveal animations */
.reveal { opacity:0; transform:translateY(28px); transition:opacity .6s ease, transform .6s ease; }
.reveal.revealed { opacity:1; transform:translateY(0); }
.reveal-left { opacity:0; transform:translateX(-36px); transition:opacity .6s ease, transform .6s ease; }
.reveal-left.revealed { opacity:1; transform:translateX(0); }
.reveal-right { opacity:0; transform:translateX(36px); transition:opacity .6s ease, transform .6s ease; }
.reveal-right.revealed { opacity:1; transform:translateX(0); }
.delay-1 { transition-delay:.1s; }
.delay-2 { transition-delay:.2s; }
.delay-3 { transition-delay:.3s; }
.delay-4 { transition-delay:.4s; }
.delay-5 { transition-delay:.5s; }
.delay-6 { transition-delay:.6s; }

/* ── BUTTONS ─────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: var(--s2);
  padding: .75rem 1.75rem;
  border-radius: var(--r-md);
  font-size: var(--text-base);
  font-weight: 600;
  transition: all var(--t-base);
  white-space: nowrap;
  cursor: pointer;
  text-align: center;
  justify-content: center;
}
.btn-green {
  background: var(--accent);
  color: var(--white);
  box-shadow: var(--shadow-green);
  border: 2px solid var(--accent);
}
.btn-green:hover {
  background: var(--accent-dark);
  border-color: var(--accent-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(0,166,81,.45);
}
.btn-blue {
  background: var(--primary);
  color: var(--white);
  border: 2px solid var(--primary);
  box-shadow: var(--shadow-blue);
}
.btn-blue:hover {
  background: var(--blue-800);
  border-color: var(--blue-800);
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(29,52,97,.45);
}
.btn-outline-white {
  border: 2px solid rgba(255,255,255,.65);
  color: var(--white);
  background: transparent;
}
.btn-outline-white:hover {
  background: rgba(255,255,255,.12);
  border-color: var(--white);
  transform: translateY(-2px);
}
.btn-outline-blue {
  border: 2px solid var(--primary);
  color: var(--primary);
  background: transparent;
}
.btn-outline-blue:hover {
  background: var(--primary);
  color: var(--white);
  transform: translateY(-2px);
}
.btn-orange {
  background: var(--orange-500);
  color: var(--white);
  border: 2px solid var(--orange-500);
}
.btn-orange:hover {
  background: #c94f00;
  border-color: #c94f00;
  transform: translateY(-2px);
}
.btn-lg { padding: .9rem 2.25rem; font-size: var(--text-lg); }
.btn-sm { padding: .5rem 1.25rem; font-size: var(--text-sm); }
.btn-xl { padding: 1.1rem 2.75rem; font-size: var(--text-xl); }

/* ── 4. NAVIGATION ──────────────────────────────────────── */
#navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 900;
  height: var(--nav-h);
  transition: background var(--t-base), box-shadow var(--t-base), height var(--t-base);
}
#navbar.transparent { background: linear-gradient(to bottom, rgba(11,29,53,0.45), transparent); }
#navbar.scrolled {
  background: rgba(255,255,255,0.97);
  box-shadow: 0 4px 28px rgba(29,52,97,.13);
  border-bottom: 1px solid var(--blue-100);
  height: 58px;
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
}
/* On hero section, start transparent; scrolled = white */
#navbar.on-hero.transparent { background: linear-gradient(to bottom, rgba(11,29,53,0.45), transparent); }
#navbar.on-hero.scrolled    { background: rgba(255,255,255,0.97); }

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
  gap: var(--s6);
}

/* Logo */
.nav-logo {
  display: flex;
  align-items: center;
  gap: var(--s3);
  flex-shrink: 0;
  text-decoration: none;
}
.nav-logo-badge {
  width: 42px; height: 42px;
  background: var(--accent);
  border-radius: var(--r-lg);
  display: grid;
  place-items: center;
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--white);
  flex-shrink: 0;
  box-shadow: var(--shadow-green);
  line-height: 1;
}
.nav-logo-img {
  width: 42px;
  height: 42px;
  object-fit: contain;
  border-radius: var(--r-lg);
  flex-shrink: 0;
}
.nav-logo-words { display: flex; flex-direction: column; line-height: 1.2; }
.nav-logo-name  {
  font-size: var(--text-base);
  font-weight: 700;
  color: var(--white);
  transition: color var(--t-fast);
}
.nav-logo-sub {
  font-size: .6rem;
  font-weight: 500;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: rgba(255,255,255,.65);
  transition: color var(--t-fast);
}
/* when scrolled, logo text turns dark */
#navbar.scrolled .nav-logo-name { color: var(--heading); }
#navbar.scrolled .nav-logo-sub  { color: var(--text-muted); }

/* Nav links */
.nav-links {
  display: flex;
  align-items: center;
  gap: var(--s5);
}
.nav-links a {
  font-size: var(--text-sm);
  font-weight: 500;
  color: rgba(255,255,255,.85);
  transition: color var(--t-fast);
  position: relative;
  padding-bottom: 2px;
}
.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -2px; left: 0;
  width: 0; height: 2px;
  background: var(--accent);
  border-radius: var(--r-full);
  transition: width var(--t-base);
}
.nav-links a:hover { color: var(--white); }
.nav-links a:hover::after,
.nav-links a.active::after { width: 100%; }
.nav-links a.active { color: var(--white); }

/* When scrolled, links turn dark */
#navbar.scrolled .nav-links a { color: var(--gray-700); }
#navbar.scrolled .nav-links a:hover { color: var(--primary); }
#navbar.scrolled .nav-links a.active { color: var(--primary); }

/* Nav CTA button */
.nav-cta {
  padding: .55rem 1.4rem;
  font-size: var(--text-sm);
  font-weight: 700;
  flex-shrink: 0;
  white-space: nowrap;
  display: inline-flex;
  align-items: center;
  gap: .45rem;
  box-shadow: 0 3px 14px rgba(0,166,81,.35);
}
.nav-cta:hover { box-shadow: 0 5px 20px rgba(0,166,81,.45); }

/* Mobile hamburger */
.nav-hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 40px; height: 40px;
  border-radius: var(--r-md);
  cursor: pointer;
  padding: 8px;
  transition: background var(--t-fast);
}
.nav-hamburger:hover { background: rgba(255,255,255,.1); }
.nav-hamburger span {
  display: block; height: 2px;
  background: var(--white);
  border-radius: var(--r-full);
  transition: transform var(--t-base), opacity var(--t-base), width var(--t-base);
}
#navbar.scrolled .nav-hamburger span { background: var(--gray-700); }
#navbar.scrolled .nav-hamburger:hover { background: var(--gray-50); }
.nav-hamburger span:nth-child(2) { width: 75%; }
.nav-hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-hamburger.open span:nth-child(2) { opacity:0; transform:scaleX(0); }
.nav-hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile dropdown */
.nav-mobile {
  display: none;
  position: fixed;
  top: var(--nav-h); left: 0; right: 0;
  background: var(--white);
  padding: var(--s5) var(--px) var(--s8);
  border-top: 1px solid var(--border);
  box-shadow: 0 8px 24px rgba(0,0,0,.12);
  transform: translateY(-8px);
  opacity: 0;
  pointer-events: none;
  transition: transform var(--t-base), opacity var(--t-base);
  z-index: 899;
}
.nav-mobile.open { transform: translateY(0); opacity:1; pointer-events:all; }
.nav-mobile a {
  display: block;
  padding: var(--s3) 0;
  color: var(--gray-700);
  font-size: var(--text-base);
  font-weight: 500;
  border-bottom: 1px solid var(--border);
  transition: color var(--t-fast), padding-left var(--t-fast);
}
.nav-mobile a:hover { color: var(--primary); padding-left: var(--s3); }
.nav-mobile a:last-of-type { border-bottom: none; }
.nav-mobile .btn { margin-top: var(--s5); width: 100%; }

/* ── 5. HERO SECTION ────────────────────────────────────── */
#hero {
  min-height: 100vh;
  background: var(--blue-700);
  position: relative;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding-top: var(--nav-h);
}

/* Hero BG layers */
.hero-bg {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(135deg, var(--blue-900) 0%, var(--blue-700) 55%, var(--blue-500) 100%);
}
.hero-pattern {
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero-shape-1, .hero-shape-2 {
  position: absolute;
  border-radius: var(--r-full);
  pointer-events: none;
}
.hero-shape-1 {
  width: 520px; height: 520px;
  top: -160px; right: -80px;
  background: radial-gradient(circle, rgba(0,166,81,.18) 0%, transparent 70%);
  animation: shapeFloat 9s ease-in-out infinite;
}
.hero-shape-2 {
  width: 360px; height: 360px;
  bottom: -100px; left: -60px;
  background: radial-gradient(circle, rgba(75,128,203,.2) 0%, transparent 70%);
  animation: shapeFloat 12s ease-in-out infinite reverse;
}
@keyframes shapeFloat {
  0%,100% { transform: translate(0,0) scale(1); }
  50%      { transform: translate(18px,-24px) scale(1.06); }
}

/* Hero content */
.hero-content {
  position: relative;
  z-index: 2;
  padding-block: var(--s16) var(--s20);
  width: 100%;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: var(--s12);
  align-items: center;
}

/* Hero text side */
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: var(--s2);
  background: rgba(0,166,81,.15);
  border: 1px solid rgba(0,166,81,.35);
  color: #5de89a;
  font-size: var(--text-sm);
  font-weight: 600;
  padding: .3rem .9rem;
  border-radius: var(--r-full);
  margin-bottom: var(--s6);
  animation: fadeUp .7s ease both;
}
.hero-eyebrow i { font-size: .75rem; }

.hero-h1 {
  font-size: clamp(1.9rem, 4vw, 3.4rem);
  font-weight: 700;
  color: var(--white);
  line-height: 1.18;
  letter-spacing: -.02em;
  margin-bottom: var(--s5);
  animation: fadeUp .7s ease .08s both;
}
.hero-h1 span { color: #5de89a; }

.hero-lead {
  font-size: var(--text-lg);
  color: rgba(255,255,255,.75);
  line-height: 1.7;
  margin-bottom: var(--s8);
  animation: fadeUp .7s ease .16s both;
  max-width: 52ch;
}

.hero-btns {
  display: flex;
  flex-wrap: wrap;
  gap: var(--s3);
  margin-bottom: var(--s10);
  animation: fadeUp .7s ease .24s both;
}

.hero-trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: var(--s5);
  animation: fadeUp .7s ease .32s both;
}
.hero-trust-item {
  display: flex;
  align-items: center;
  gap: var(--s2);
  font-size: var(--text-sm);
  color: rgba(255,255,255,.7);
  font-weight: 500;
}
.hero-trust-item i { color: #5de89a; font-size: .8rem; }

/* Hero form card */
.hero-form-card {
  background: var(--white);
  border-radius: var(--r-2xl);
  padding: var(--s8);
  box-shadow: 0 24px 64px rgba(0,0,0,.25);
  animation: fadeLeft .7s ease .2s both;
}
.hero-form-title {
  font-size: var(--text-xl);
  font-weight: 700;
  color: var(--heading);
  margin-bottom: var(--s2);
  line-height: 1.3;
}
.hero-form-sub {
  font-size: var(--text-sm);
  color: var(--text-muted);
  margin-bottom: var(--s6);
  padding-bottom: var(--s6);
  border-bottom: 1px solid var(--border);
}
.hero-phone-cta {
  display: flex;
  align-items: center;
  gap: var(--s3);
  background: var(--accent);
  color: var(--white);
  padding: var(--s4) var(--s5);
  border-radius: var(--r-lg);
  font-weight: 700;
  font-size: var(--text-xl);
  margin-bottom: var(--s4);
  transition: background var(--t-base), transform var(--t-base), box-shadow var(--t-base);
  box-shadow: var(--shadow-green);
}
.hero-phone-cta:hover {
  background: var(--accent-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(0,166,81,.45);
}
.hero-phone-cta i { font-size: var(--text-2xl); }
.hero-phone-label { font-size: var(--text-xs); font-weight: 500; opacity: .85; }

.hfc-mini-form { display: flex; flex-direction: column; gap: var(--s3); margin-top: var(--s5); }
.hfc-input {
  width: 100%;
  padding: var(--s3) var(--s4);
  border: 1.5px solid var(--border-mid);
  border-radius: var(--r-md);
  font-size: var(--text-sm);
  color: var(--text);
  background: var(--bg-alt);
  outline: none;
  transition: border-color var(--t-fast), box-shadow var(--t-fast);
}
.hfc-input:focus { border-color: var(--primary); box-shadow: 0 0 0 3px rgba(29,52,97,.1); }
.hfc-input::placeholder { color: var(--gray-400); }

.hfc-divider {
  display: flex;
  align-items: center;
  gap: var(--s3);
  font-size: var(--text-xs);
  color: var(--text-muted);
}
.hfc-divider::before, .hfc-divider::after {
  content: '';
  flex: 1; height: 1px;
  background: var(--border);
}

.hero-fca-badge {
  margin-top: var(--s5);
  display: flex;
  align-items: center;
  gap: var(--s3);
  padding: var(--s3) var(--s4);
  background: var(--blue-50);
  border: 1px solid var(--blue-100);
  border-radius: var(--r-lg);
  font-size: var(--text-xs);
  color: var(--primary);
  font-weight: 600;
}
.hero-fca-badge i { color: var(--accent); font-size: 1.1rem; }

@keyframes fadeUp   { from{opacity:0;transform:translateY(20px)} to{opacity:1;transform:translateY(0)} }
@keyframes fadeLeft { from{opacity:0;transform:translateX(28px)} to{opacity:1;transform:translateX(0)} }

/* Scroll caret */
.hero-scroll {
  position: absolute;
  bottom: var(--s6); left: 50%;
  transform: translateX(-50%);
  display: flex; flex-direction: column;
  align-items: center; gap: var(--s2);
  color: rgba(255,255,255,.4);
  font-size: .65rem;
  letter-spacing: .1em; text-transform: uppercase;
  animation: fadeUp 1s ease 1.2s both;
}
.hero-scroll-arrow {
  width: 26px; height: 26px;
  border: 1px solid rgba(255,255,255,.25);
  border-radius: var(--r-full);
  display: grid; place-items: center;
  animation: bounce 2s ease-in-out infinite;
}
@keyframes bounce { 0%,100%{transform:translateY(0)} 50%{transform:translateY(6px)} }

/* ── 6. STATS BAR ───────────────────────────────────────── */
#stats {
  background: var(--primary);
  padding-block: var(--s12);
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: var(--s4);
  max-width: 860px;
  margin-inline: auto;
}
.stat-item {
  display: flex; flex-direction: column;
  align-items: center; text-align: center;
  padding: var(--s4);
  position: relative;
}
.stat-item:not(:last-child)::after {
  content: '';
  position: absolute;
  right: 0; top: 15%; height: 70%; width: 1px;
  background: rgba(255,255,255,.15);
}
.stat-num {
  font-size: clamp(1.6rem, 2.5vw, 2.25rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1;
  margin-bottom: var(--s2);
}
.stat-num .stat-suf { color: var(--green-300); font-size: .7em; }
.stat-label {
  font-size: var(--text-xs);
  font-weight: 500;
  color: rgba(255,255,255,.6);
  text-transform: uppercase;
  letter-spacing: .06em;
}
.stat-icon {
  font-size: 1.5rem;
  color: var(--green-300);
  margin-bottom: var(--s3);
}

/* ── 7. ABOUT SECTION ───────────────────────────────────── */
#about {
  background: var(--bg);
  padding-block: var(--s24);
}
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--s16);
  align-items: center;
}
.about-visual { position: relative; }
.about-img-block {
  width: 100%;
  aspect-ratio: 4/3.2;
  background: linear-gradient(140deg, var(--blue-700) 0%, var(--blue-500) 60%, var(--blue-400) 100%);
  border-radius: var(--r-2xl);
  overflow: hidden;
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
}
.about-img-block::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg width='40' height='40' viewBox='0 0 40 40' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Ccircle cx='20' cy='20' r='1.5'/%3E%3C/g%3E%3C/svg%3E");
}
.about-img-icon {
  font-size: 5rem;
  color: rgba(255,255,255,.12);
  position: absolute;
}
.about-img-content {
  position: relative;
  z-index: 1;
  text-align: center;
  padding: var(--s8);
}
.about-img-content i {
  font-size: 3rem;
  color: #5de89a;
  margin-bottom: var(--s4);
  display: block;
  filter: drop-shadow(0 4px 12px rgba(0,166,81,.3));
}
.about-img-content h3 {
  font-size: var(--text-2xl);
  font-weight: 700;
  color: var(--white);
  margin-bottom: var(--s2);
}
.about-img-content p { font-size: var(--text-sm); color: rgba(255,255,255,.7); }
.about-logo-img {
  position: relative;
  z-index: 1;
  max-width: 65%;
  width: 100%;
  object-fit: contain;
  filter: drop-shadow(0 6px 24px rgba(0,0,0,.3));
}

.about-years-badge {
  position: absolute;
  bottom: -var(--s6);
  right: -var(--s6);
  background: var(--accent);
  color: var(--white);
  padding: var(--s5) var(--s6);
  border-radius: var(--r-xl);
  text-align: center;
  box-shadow: var(--shadow-green);
}
.about-years-num {
  font-size: var(--text-4xl);
  font-weight: 800;
  line-height: 1;
  display: block;
}
.about-years-label {
  font-size: var(--text-xs);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .08em;
  opacity: .85;
}
.about-fca-pill {
  position: absolute;
  top: var(--s5); left: -var(--s5);
  background: var(--white);
  border-radius: var(--r-xl);
  padding: var(--s3) var(--s4);
  box-shadow: var(--shadow-xl);
  display: flex; align-items: center; gap: var(--s3);
}
.about-fca-dot {
  width: 36px; height: 36px;
  background: var(--primary);
  border-radius: var(--r-lg);
  display: grid; place-items: center;
  color: var(--white); font-size: var(--text-sm);
  flex-shrink: 0;
}
.about-fca-text span:first-child {
  font-size: var(--text-xs); color: var(--text-muted);
  display: block; text-transform: uppercase; letter-spacing: .08em; font-weight: 600;
}
.about-fca-text span:last-child {
  font-size: var(--text-sm); font-weight: 700; color: var(--heading);
}

.about-points { display: flex; flex-direction: column; gap: var(--s5); margin-top: var(--s8); }
.about-point {
  display: flex; align-items: flex-start; gap: var(--s4);
  padding: var(--s5);
  border: 1px solid var(--border);
  border-radius: var(--r-xl);
  background: var(--bg);
  transition: border-color var(--t-base), box-shadow var(--t-base), transform var(--t-base);
}
.about-point:hover { border-color: var(--green-200); box-shadow: var(--shadow-sm); transform: translateX(4px); }
.about-point-icon {
  width: 44px; height: 44px; flex-shrink: 0;
  background: var(--green-50);
  border: 1px solid var(--green-100);
  border-radius: var(--r-xl);
  display: grid; place-items: center;
  font-size: var(--text-lg); color: var(--accent);
}
.about-point-text h4 { font-size: var(--text-base); font-weight: 600; color: var(--heading); margin-bottom: 2px; }
.about-point-text p  { font-size: var(--text-sm); color: var(--text-muted); line-height: 1.6; }

/* ── 8. SERVICES ────────────────────────────────────────── */
#services {
  background: var(--bg-alt);
  padding-block: var(--s20);
}
.services-grid {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: var(--s6);
  margin-top: var(--s12);
}
.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-xl);
  padding: var(--s8) var(--s6);
  position: relative;
  overflow: hidden;
  transition: transform var(--t-base), box-shadow var(--t-base), border-color var(--t-base);
  cursor: default;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: var(--border);
  transition: background var(--t-base);
}
.service-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-card-hover); border-color: transparent; }
.service-card:hover::before { background: var(--accent); }

.sc-icon {
  width: 60px; height: 60px;
  border-radius: var(--r-xl);
  display: grid; place-items: center;
  font-size: var(--text-2xl);
  margin-bottom: var(--s5);
}
.sc-blue   { background: var(--blue-50);  color: var(--primary); }
.sc-green  { background: var(--green-50); color: var(--accent); }
.sc-orange { background: var(--orange-100); color: var(--orange-500); }
.sc-teal   { background: #e6f7f9; color: #0D9488; }
.sc-purple { background: #f3eeff; color: #7C3AED; }
.sc-red    { background: #fff0f0; color: #DC2626; }

.service-card h3 {
  font-size: var(--text-lg);
  font-weight: 700;
  color: var(--heading);
  margin-bottom: var(--s3);
  line-height: 1.35;
}
.service-card p {
  font-size: var(--text-sm);
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: var(--s5);
}
.service-card-link {
  display: inline-flex; align-items: center; gap: var(--s2);
  font-size: var(--text-sm); font-weight: 600; color: var(--primary);
  transition: gap var(--t-fast), color var(--t-fast);
}
.service-card:hover .service-card-link { gap: var(--s3); color: var(--accent); }

/* ── 9. DEBT SOLUTIONS ──────────────────────────────────── */
#debt-solutions {
  background: var(--bg);
  padding-block: var(--s20);
}
.debt-solutions-grid {
  display: grid;
  grid-template-columns: repeat(2,1fr);
  gap: var(--s6);
  margin-top: var(--s12);
}
.debt-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--r-xl);
  padding: var(--s8);
  transition: border-color var(--t-base), box-shadow var(--t-base), transform var(--t-base);
}
.debt-card:hover { border-color: var(--blue-200); box-shadow: var(--shadow-lg); transform: translateY(-4px); }

.debt-card-head {
  display: flex; align-items: flex-start; gap: var(--s4);
  margin-bottom: var(--s5);
  padding-bottom: var(--s5);
  border-bottom: 1px solid var(--border);
}
.dc-icon {
  width: 52px; height: 52px;
  border-radius: var(--r-xl);
  background: var(--blue-50);
  border: 1px solid var(--blue-100);
  display: grid; place-items: center;
  font-size: var(--text-xl);
  color: var(--primary);
  flex-shrink: 0;
}
.dc-head-text h3 {
  font-size: var(--text-xl);
  font-weight: 700;
  color: var(--heading);
  line-height: 1.3;
  margin-bottom: var(--s2);
}
.dc-tag {
  font-size: var(--text-xs); font-weight: 600;
  letter-spacing: .07em; text-transform: uppercase;
  padding: 2px 10px; border-radius: var(--r-full);
}
.tag-popular { background: var(--green-50); color: var(--accent-dark); border: 1px solid var(--green-100); }
.tag-recommended { background: var(--blue-50); color: var(--primary); border: 1px solid var(--blue-100); }
.tag-scotland { background: #f0ebff; color: #6D28D9; border: 1px solid #d8cff5; }
.tag-lowdebt  { background: var(--orange-100); color: var(--orange-500); border: 1px solid #fad9c2; }

.debt-card p {
  font-size: var(--text-sm);
  color: var(--text-muted);
  line-height: 1.75;
  margin-bottom: var(--s5);
}
.dc-list { display: flex; flex-direction: column; gap: var(--s2); margin-bottom: var(--s6); }
.dc-list li {
  display: flex; align-items: flex-start; gap: var(--s3);
  font-size: var(--text-sm); color: var(--text-muted); line-height: 1.5;
}
.dc-list li i { color: var(--accent); font-size: .8rem; flex-shrink: 0; margin-top: .2rem; }
.dc-cta {
  display: inline-flex; align-items: center; gap: var(--s2);
  font-size: var(--text-sm); font-weight: 600; color: var(--primary);
  transition: gap var(--t-fast), color var(--t-fast);
}
.debt-card:hover .dc-cta { gap: var(--s3); color: var(--accent); }

/* ── 10. HOW WE WORK ────────────────────────────────────── */
#how-we-work {
  background: var(--blue-50);
  padding-block: var(--s20);
}
.process-grid {
  display: grid;
  grid-template-columns: repeat(4,1fr);
  gap: var(--s5);
  margin-top: var(--s12);
  position: relative;
}
.process-grid::before {
  content: '';
  position: absolute;
  top: 44px; left: 10%; width: 80%; height: 2px;
  background: linear-gradient(90deg, var(--blue-200), var(--green-200));
  z-index: 0;
}
.step-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--r-2xl);
  padding: var(--s8) var(--s5);
  text-align: center;
  position: relative;
  z-index: 1;
  transition: transform var(--t-base), box-shadow var(--t-base), border-color var(--t-base);
}
.step-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-card-hover);
  border-color: var(--blue-200);
}
.step-num {
  width: 52px; height: 52px;
  background: var(--primary);
  color: var(--white);
  border-radius: var(--r-full);
  display: grid; place-items: center;
  font-size: var(--text-xl);
  font-weight: 800;
  margin: 0 auto var(--s5);
  box-shadow: var(--shadow-blue);
  position: relative;
}
.step-num::after {
  content: '';
  position: absolute; inset: -4px;
  border-radius: var(--r-full);
  border: 2px dashed rgba(29,52,97,.2);
}
.step-icon {
  font-size: 2rem;
  color: var(--accent);
  margin-bottom: var(--s4);
  display: block;
}
.step-card h3 {
  font-size: var(--text-lg);
  font-weight: 700;
  color: var(--heading);
  margin-bottom: var(--s3);
}
.step-card p {
  font-size: var(--text-sm);
  color: var(--text-muted);
  line-height: 1.7;
}

/* ── 11. BENEFITS ───────────────────────────────────────── */
#benefits {
  background: var(--bg);
  padding-block: var(--s20);
}
.benefits-2col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--s16);
  align-items: center;
  margin-top: var(--s12);
}
.benefits-visual {
  background: linear-gradient(135deg, var(--blue-700), var(--blue-500));
  border-radius: var(--r-2xl);
  padding: var(--s10) var(--s8);
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.benefits-visual::before {
  content: '';
  position: absolute; inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg width='40' height='40' viewBox='0 0 40 40' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23ffffff' fill-opacity='0.05'%3E%3Ccircle cx='20' cy='20' r='1.5'/%3E%3C/g%3E%3C/svg%3E");
}
.benefits-visual-inner { position: relative; z-index: 1; }
.benefits-visual h3 {
  font-size: var(--text-2xl);
  font-weight: 700;
  margin-bottom: var(--s3);
}
.benefits-visual p {
  font-size: var(--text-sm);
  opacity: .75;
  margin-bottom: var(--s8);
  line-height: 1.7;
}
.benefits-visual-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--s4);
}
.bv-stat {
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: var(--r-xl);
  padding: var(--s4) var(--s5);
  text-align: center;
}
.bv-stat-num {
  font-size: var(--text-2xl);
  font-weight: 800;
  color: #5de89a;
  line-height: 1;
  margin-bottom: var(--s1);
}
.bv-stat-label {
  font-size: .7rem;
  opacity: .7;
  text-transform: uppercase;
  letter-spacing: .07em;
  font-weight: 500;
}

.benefits-checklist {
  display: flex;
  flex-direction: column;
  gap: var(--s4);
}
.benefit-check {
  display: flex;
  align-items: flex-start;
  gap: var(--s4);
  padding: var(--s4) var(--s5);
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-xl);
  transition: border-color var(--t-base), box-shadow var(--t-base), transform var(--t-base);
}
.benefit-check:hover { border-color: var(--green-200); box-shadow: var(--shadow-sm); transform: translateX(4px); }
.bc-icon {
  width: 40px; height: 40px; flex-shrink: 0;
  background: var(--green-50);
  border: 1px solid var(--green-100);
  border-radius: var(--r-full);
  display: grid; place-items: center;
  font-size: var(--text-base);
  color: var(--accent);
}
.bc-text h4 { font-size: var(--text-base); font-weight: 600; color: var(--heading); margin-bottom: 2px; }
.bc-text p  { font-size: var(--text-sm); color: var(--text-muted); line-height: 1.55; }

/* ── 12. WHY CHOOSE US ──────────────────────────────────── */
#why-us {
  background: var(--bg-alt);
  padding-block: var(--s20);
}
.why-us-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--s16);
  align-items: start;
}
.why-features { display: flex; flex-direction: column; gap: var(--s4); margin-top: var(--s8); }
.why-feature {
  display: flex; align-items: flex-start; gap: var(--s4);
  padding: var(--s5);
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-xl);
  transition: border-color var(--t-base), box-shadow var(--t-base), transform var(--t-base);
}
.why-feature:hover { border-color: var(--blue-200); box-shadow: var(--shadow-sm); transform: translateX(4px); }
.wf-icon {
  width: 46px; height: 46px; flex-shrink: 0;
  background: var(--blue-50);
  border: 1px solid var(--blue-100);
  border-radius: var(--r-xl);
  display: grid; place-items: center;
  font-size: var(--text-lg); color: var(--primary);
}
.wf-text h4 { font-size: var(--text-base); font-weight: 600; color: var(--heading); margin-bottom: 2px; }
.wf-text p  { font-size: var(--text-sm); color: var(--text-muted); line-height: 1.6; }

.compare-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--r-2xl);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  position: sticky;
  top: calc(var(--nav-h) + 24px);
}
.compare-card-head {
  background: var(--primary);
  padding: var(--s5) var(--s6);
  font-size: var(--text-base);
  font-weight: 700;
  color: var(--white);
}
.compare-table { padding: var(--s5) var(--s6) var(--s6); }
.compare-header {
  display: grid; grid-template-columns: 1fr 72px 72px;
  gap: var(--s3);
  padding-bottom: var(--s4);
  border-bottom: 2px solid var(--border);
  margin-bottom: var(--s3);
}
.compare-header span { font-size: var(--text-xs); font-weight: 700; letter-spacing: .07em; text-transform: uppercase; }
.ch-feature { color: var(--gray-600); }
.ch-us     { color: var(--accent); text-align: center; }
.ch-them   { color: var(--gray-400); text-align: center; }

.compare-row {
  display: grid; grid-template-columns: 1fr 72px 72px;
  gap: var(--s3);
  padding: var(--s3) 0;
  border-bottom: 1px solid var(--gray-50);
  align-items: center;
}
.compare-row:last-child { border-bottom: none; }
.cr-label { font-size: var(--text-sm); color: var(--gray-700); font-weight: 500; line-height: 1.4; }
.cr-us, .cr-them { text-align: center; font-size: var(--text-base); font-weight: 600; }
.cr-us   { color: var(--accent); }
.cr-us i   { color: var(--accent); }
.cr-them   { color: var(--gray-300); }
.cr-them i { color: #EF4444; }

/* ── 13. TESTIMONIALS ───────────────────────────────────── */
#testimonials {
  background: var(--bg);
  padding-block: var(--s20);
  overflow: hidden;
}
.testimonials-wrapper {
  overflow: hidden;
  position: relative;
}
.testimonials-track {
  display: flex;
  gap: var(--s5);
  transition: transform .5s cubic-bezier(.25,.46,.45,.94);
  will-change: transform;
  margin-top: var(--s12);
}
.testimonial-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--r-2xl);
  padding: 1.75rem;
  flex-shrink: 0;
  overflow: hidden;
  word-break: break-word;
  box-shadow: var(--shadow-card);
  transition: box-shadow var(--t-base), border-color var(--t-base);
}
.testimonial-card.active { box-shadow: var(--shadow-card-hover); border-color: var(--blue-200); }
.tc-stars { display: flex; gap: 3px; margin-bottom: var(--s4); }
.tc-stars i { color: #FBBF24; font-size: var(--text-sm); }
.tc-quote {
  font-size: var(--text-sm);
  color: var(--text-muted);
  line-height: 1.8;
  margin-bottom: var(--s6);
  font-style: italic;
  position: relative;
  padding-left: var(--s6);
}
.tc-quote::before {
  content: '"';
  position: absolute; left: 0; top: -4px;
  font-size: 2.5rem;
  color: var(--blue-100);
  font-style: normal;
  line-height: 1;
}
.tc-author {
  display: flex; align-items: center; gap: var(--s3);
  padding-top: var(--s5);
  border-top: 1px solid var(--border);
}
.tc-avatar {
  width: 44px; height: 44px;
  background: var(--primary);
  border-radius: var(--r-full);
  display: grid; place-items: center;
  font-size: var(--text-lg);
  font-weight: 700;
  color: var(--white);
  flex-shrink: 0;
}
.tc-name { font-size: var(--text-sm); font-weight: 700; color: var(--heading); }
.tc-meta { font-size: var(--text-xs); color: var(--text-muted); }
.tc-service-tag {
  margin-left: auto;
  font-size: var(--text-xs); font-weight: 600;
  color: var(--primary);
  background: var(--blue-50);
  padding: 2px 10px;
  border-radius: var(--r-full);
  border: 1px solid var(--blue-100);
  white-space: nowrap;
}

.testimonials-nav {
  display: flex; align-items: center; justify-content: center;
  gap: var(--s4); margin-top: var(--s8);
}
.tn-btn {
  width: 42px; height: 42px;
  border-radius: var(--r-full);
  background: var(--white);
  border: 1.5px solid var(--border);
  display: grid; place-items: center;
  font-size: var(--text-base);
  color: var(--primary);
  cursor: pointer;
  transition: all var(--t-base);
  box-shadow: var(--shadow-xs);
}
.tn-btn:hover { background: var(--primary); color: var(--white); border-color: var(--primary); transform: scale(1.05); }
.tn-dots { display: flex; gap: var(--s2); }
.tn-dot {
  width: 8px; height: 8px;
  border-radius: var(--r-full);
  background: var(--gray-200);
  cursor: pointer;
  transition: all var(--t-base);
}
.tn-dot.active { background: var(--primary); width: 24px; }

/* ── 14. FAQ ────────────────────────────────────────────── */
#faq {
  background: var(--bg-alt);
  padding-block: var(--s20);
}
.faq-layout {
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: var(--s12);
  align-items: start;
  margin-top: var(--s12);
}
.faq-sidebar { position: sticky; top: calc(var(--nav-h) + 24px); }
.faq-sidebar-icon { font-size: 2.5rem; color: var(--primary); margin-bottom: var(--s4); }
.faq-sidebar h3 { font-size: var(--text-2xl); font-weight: 700; color: var(--heading); margin-bottom: var(--s3); }
.faq-sidebar p  { font-size: var(--text-sm); color: var(--text-muted); line-height: 1.7; margin-bottom: var(--s6); }
.faq-contacts { display: flex; flex-direction: column; gap: var(--s3); }
.faq-contact-link {
  display: flex; align-items: center; gap: var(--s3);
  padding: var(--s3) var(--s4);
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-xl);
  font-size: var(--text-sm);
  transition: border-color var(--t-fast), box-shadow var(--t-fast);
}
.faq-contact-link:hover { border-color: var(--blue-200); box-shadow: var(--shadow-sm); }
.faq-contact-link i { color: var(--primary); width: 16px; }
.faq-contact-link span { font-weight: 600; color: var(--heading); }

.faq-list { display: flex; flex-direction: column; gap: var(--s3); }
.faq-item {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--r-xl);
  overflow: hidden;
  transition: border-color var(--t-base), box-shadow var(--t-base);
}
.faq-item.open { border-color: var(--blue-200); box-shadow: var(--shadow-sm); }
.faq-question {
  width: 100%; display: flex; align-items: center;
  justify-content: space-between;
  padding: var(--s5) var(--s6);
  font-size: var(--text-base); font-weight: 600;
  color: var(--heading); cursor: pointer;
  text-align: left; gap: var(--s4);
  transition: color var(--t-fast);
  background: none; border: none; font-family: inherit;
}
.faq-item.open .faq-question { color: var(--primary); }
.faq-q-toggle {
  width: 28px; height: 28px;
  border-radius: var(--r-full);
  background: var(--bg-alt);
  display: grid; place-items: center;
  flex-shrink: 0;
  font-size: var(--text-sm);
  color: var(--primary);
  transition: transform var(--t-base), background var(--t-base);
}
.faq-item.open .faq-q-toggle { transform: rotate(45deg); background: var(--accent); color: var(--white); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height var(--t-slow); }
.faq-answer-inner {
  padding: 0 var(--s6) var(--s5);
  font-size: var(--text-sm);
  color: var(--text-muted);
  line-height: 1.8;
}

/* ── 15. CTA SECTION ────────────────────────────────────── */
#cta-section {
  background: var(--accent);
  padding-block: var(--s16);
  position: relative;
  overflow: hidden;
}
#cta-section::before {
  content: '';
  position: absolute; inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23ffffff' fill-opacity='0.06'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/svg%3E");
}
.cta-inner-grid {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: var(--s8);
  align-items: center;
  position: relative; z-index: 1;
}
.cta-text h2 {
  font-size: clamp(1.5rem, 3vw, 2.25rem);
  font-weight: 700;
  color: var(--white);
  margin-bottom: var(--s3);
  line-height: 1.3;
}
.cta-text p {
  font-size: var(--text-lg);
  color: rgba(255,255,255,.85);
  line-height: 1.6;
}
.cta-action { display: flex; flex-direction: column; align-items: flex-end; gap: var(--s3); flex-shrink: 0; }
.cta-phone-big {
  display: flex; align-items: center; gap: var(--s3);
  font-size: var(--text-2xl); font-weight: 800;
  color: var(--white);
  transition: opacity var(--t-fast);
}
.cta-phone-big:hover { opacity: .85; }
.cta-phone-big i { font-size: var(--text-2xl); }
.cta-phone-box {
  background: rgba(255,255,255,.12);
  border: 1.5px solid rgba(255,255,255,.25);
  border-radius: var(--r-2xl);
  padding: var(--s6) var(--s8);
  backdrop-filter: blur(8px);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 24px rgba(0,0,0,.15);
}

/* ── 16. CONTACT ────────────────────────────────────────── */
#contact {
  background: var(--bg);
  padding-block: var(--s20);
}
.contact-grid {
  display: grid;
  grid-template-columns: 380px 1fr;
  gap: var(--s10);
  margin-top: var(--s12);
}
.contact-info {
  background: var(--primary);
  border-radius: var(--r-2xl);
  padding: var(--s8);
  height: fit-content;
  position: sticky;
  top: calc(var(--nav-h) + 24px);
}
.contact-info h3 {
  font-size: var(--text-2xl);
  font-weight: 700;
  color: var(--white);
  margin-bottom: var(--s2);
}
.contact-info-sub {
  font-size: var(--text-sm);
  color: rgba(255,255,255,.65);
  margin-bottom: var(--s8);
  line-height: 1.6;
  padding-bottom: var(--s8);
  border-bottom: 1px solid rgba(255,255,255,.1);
}
.ci-detail { display: flex; align-items: flex-start; gap: var(--s4); padding: var(--s4) 0; border-bottom: 1px solid rgba(255,255,255,.08); }
.ci-detail:last-of-type { border-bottom: none; }
.ci-icon {
  width: 38px; height: 38px;
  background: rgba(255,255,255,.1);
  border-radius: var(--r-xl);
  display: grid; place-items: center;
  color: #5de89a; font-size: var(--text-base);
  flex-shrink: 0;
}
.ci-label  { font-size: var(--text-xs); font-weight: 600; text-transform: uppercase; letter-spacing: .08em; color: rgba(255,255,255,.45); margin-bottom: 2px; }
.ci-value  { font-size: var(--text-sm); color: rgba(255,255,255,.9); font-weight: 600; }
.ci-value a { color: #5de89a; }
.ci-value a:hover { opacity: .8; }
.ci-hours { margin-top: var(--s6); background: rgba(255,255,255,.06); border-radius: var(--r-xl); padding: var(--s5); border: 1px solid rgba(255,255,255,.08); }
.ci-hours h4 { font-size: var(--text-xs); font-weight: 700; color: #5de89a; text-transform: uppercase; letter-spacing: .1em; margin-bottom: var(--s3); }
.ci-hr { display: flex; justify-content: space-between; font-size: var(--text-xs); color: rgba(255,255,255,.6); padding: 3px 0; }
.ci-hr strong { color: rgba(255,255,255,.85); }

.contact-form-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-2xl);
  padding: var(--s8);
  box-shadow: var(--shadow-card);
}
.cfc-title { font-size: var(--text-2xl); font-weight: 700; color: var(--heading); margin-bottom: var(--s2); }
.cfc-sub   { font-size: var(--text-sm); color: var(--text-muted); margin-bottom: var(--s8); }
.form-row  { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s5); }
.form-group { display: flex; flex-direction: column; gap: var(--s2); margin-bottom: var(--s5); }
.form-group.full { grid-column: 1 / -1; }
.form-group.mb0 { margin-bottom: 0; }
.form-label { font-size: var(--text-sm); font-weight: 600; color: var(--heading); }
.form-label .req { color: #EF4444; margin-left: 2px; }
.form-control {
  width: 100%;
  padding: .75rem 1rem;
  border: 1.5px solid var(--border-mid);
  border-radius: var(--r-lg);
  font-size: var(--text-sm);
  color: var(--text);
  background: var(--white);
  transition: border-color var(--t-fast), box-shadow var(--t-fast);
  outline: none;
}
.form-control:focus { border-color: var(--primary); box-shadow: 0 0 0 3px rgba(29,52,97,.1); }
.form-control.error { border-color: #EF4444; }
.form-error { font-size: var(--text-xs); color: #EF4444; display: flex; align-items: center; gap: var(--s1); }
textarea.form-control { resize: vertical; min-height: 110px; }
select.form-control { cursor: pointer; }
.form-checkbox { display: flex; align-items: flex-start; gap: var(--s3); font-size: var(--text-sm); color: var(--text-muted); cursor: pointer; line-height: 1.5; }
.form-checkbox input { width: 18px; height: 18px; flex-shrink: 0; cursor: pointer; accent-color: var(--primary); margin-top: 2px; }
.form-footer { display: flex; align-items: center; justify-content: space-between; gap: var(--s4); flex-wrap: wrap; margin-top: var(--s6); }
.form-secure { font-size: var(--text-xs); color: var(--text-muted); display: flex; align-items: center; gap: var(--s2); }
.form-secure i { color: var(--accent); }
.form-success { display: none; text-align: center; padding: var(--s12) var(--s8); }
.form-success-circle { width: 68px; height: 68px; background: var(--green-50); border-radius: var(--r-full); display: grid; place-items: center; font-size: 1.75rem; color: var(--accent); margin: 0 auto var(--s5); }
.form-success h3 { font-size: var(--text-2xl); font-weight: 700; color: var(--heading); margin-bottom: var(--s3); }
.form-success p  { font-size: var(--text-base); color: var(--text-muted); line-height: 1.7; }

/* ── 17. FOOTER ─────────────────────────────────────────── */
#footer {
  background: var(--blue-900);
  padding-top: var(--s16);
  position: relative;
}
#footer::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--accent), var(--blue-400), var(--accent));
}
.footer-top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.4fr;
  gap: var(--s10);
  padding-bottom: var(--s12);
  border-bottom: 1px solid rgba(255,255,255,.07);
}
.f-logo { display: flex; align-items: center; gap: var(--s3); margin-bottom: var(--s5); }
.f-logo-badge {
  width: 42px; height: 42px;
  background: var(--accent);
  border-radius: var(--r-lg);
  display: grid; place-items: center;
  font-size: 1.3rem; font-weight: 800;
  color: var(--white);
}
.f-logo-img {
  width: 42px;
  height: 42px;
  object-fit: contain;
  border-radius: var(--r-lg);
  flex-shrink: 0;
}
.f-logo-name  { font-size: var(--text-base); font-weight: 700; color: var(--white); }
.f-logo-sub   { font-size: .6rem; letter-spacing: .1em; text-transform: uppercase; color: rgba(255,255,255,.5); font-weight: 500; }
.f-desc { font-size: var(--text-sm); color: rgba(255,255,255,.5); line-height: 1.8; margin-bottom: var(--s6); max-width: 32ch; }
.f-reg {
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.07);
  border-radius: var(--r-xl);
  padding: var(--s4) var(--s5);
  font-size: var(--text-xs);
  color: rgba(255,255,255,.4);
  line-height: 1.65;
  margin-bottom: var(--s5);
}
.f-reg strong { color: rgba(255,255,255,.7); display: block; margin-bottom: 2px; }
.f-socials { display: flex; gap: var(--s3); }
.f-social {
  width: 36px; height: 36px;
  border-radius: var(--r-lg);
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.08);
  display: grid; place-items: center;
  font-size: var(--text-sm);
  color: rgba(255,255,255,.5);
  transition: all var(--t-base);
}
.f-social:hover { background: var(--accent); border-color: var(--accent); color: var(--white); transform: translateY(-2px); }

.f-col h4 {
  font-size: var(--text-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: rgba(255,255,255,.8);
  margin-bottom: var(--s5);
  padding-bottom: var(--s3);
  border-bottom: 2px solid var(--accent);
  display: inline-block;
}
.f-links { display: flex; flex-direction: column; gap: var(--s3); }
.f-links a {
  font-size: var(--text-sm);
  color: rgba(255,255,255,.5);
  transition: color var(--t-fast), padding-left var(--t-fast);
  display: flex; align-items: center; gap: var(--s2);
}
.f-links a i { font-size: .6rem; opacity: 0; transition: opacity var(--t-fast); }
.f-links a:hover { color: var(--white); padding-left: var(--s3); }
.f-links a:hover i { opacity: 1; }
.f-contact-items { display: flex; flex-direction: column; gap: var(--s4); }
.f-contact-item { display: flex; align-items: flex-start; gap: var(--s3); font-size: var(--text-sm); color: rgba(255,255,255,.5); line-height: 1.5; }
.f-contact-item i { color: var(--accent); width: 16px; flex-shrink: 0; margin-top: 2px; }
.f-contact-item a { color: rgba(255,255,255,.7); transition: color var(--t-fast); }
.f-contact-item a:hover { color: var(--white); }

.footer-bottom {
  padding-block: var(--s5);
  display: flex; align-items: center;
  justify-content: space-between;
  flex-wrap: wrap; gap: var(--s4);
}
.f-copy { font-size: var(--text-xs); color: rgba(255,255,255,.3); }
.f-bottom-links { display: flex; flex-wrap: wrap; gap: 0; }
.f-bottom-links a {
  font-size: .8rem;
  font-weight: 500;
  color: rgba(255,255,255,.65);
  transition: color var(--t-fast);
  padding: .1rem var(--s3);
  border-right: 1px solid rgba(255,255,255,.15);
}
.f-bottom-links a:first-child { padding-left: 0; }
.f-bottom-links a:last-child { border-right: none; }
.f-bottom-links a:hover { color: var(--white); }

/* ── 18. BACK TO TOP ────────────────────────────────────── */
#back-to-top {
  position: fixed; bottom: var(--s8); right: var(--s6);
  width: 46px; height: 46px;
  background: var(--primary);
  border-radius: var(--r-full);
  display: grid; place-items: center;
  font-size: var(--text-base); color: var(--white);
  box-shadow: var(--shadow-blue); cursor: pointer;
  transition: transform var(--t-base), opacity var(--t-base), visibility var(--t-base), background var(--t-base);
  opacity: 0; visibility: hidden; z-index: 200;
}
#back-to-top.visible { opacity:1; visibility:visible; }
#back-to-top:hover { transform: translateY(-4px) scale(1.08); background: var(--accent); }

/* ── 19. COOKIE BANNER ──────────────────────────────────── */
#cookie-banner {
  position: fixed; bottom: var(--s4); left: var(--s4); right: var(--s4);
  max-width: 680px; margin-inline: auto;
  background: var(--blue-800);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--r-2xl);
  padding: var(--s5) var(--s6);
  display: flex; align-items: center; gap: var(--s5); flex-wrap: wrap;
  box-shadow: var(--shadow-xl); z-index: 800;
  transform: translateY(120%);
  transition: transform var(--t-slow);
}
#cookie-banner.show { transform: translateY(0); }
.cookie-text { font-size: var(--text-sm); color: rgba(255,255,255,.75); line-height: 1.6; flex: 1; }
.cookie-text a { color: #5de89a; text-decoration: underline; }
.cookie-actions { display: flex; gap: var(--s3); flex-shrink: 0; flex-wrap: wrap; }

/* ── 20. RESPONSIVE ─────────────────────────────────────── */
@media (max-width: 1100px) {
  .hero-grid { grid-template-columns: 1fr; gap: var(--s10); }
  .hero-form-card { max-width: 480px; margin-inline: auto; }
  .stats-grid { grid-template-columns: repeat(2,1fr); }
  .stat-item:nth-child(2)::after { display: none; }
  .about-grid, .benefits-2col, .why-us-grid { grid-template-columns: 1fr; gap: var(--s10); }
  .about-visual { max-width: 520px; margin-inline: auto; }
  .compare-card { position: static; }
  .contact-grid { grid-template-columns: 1fr; }
  .contact-info { position: static; }
  .footer-top { grid-template-columns: 1fr 1fr; gap: var(--s8); }
  .nav-links, .nav-cta { display: none; }
  .nav-hamburger { display: flex; }
  .nav-mobile { display: block; }
}
@media (max-width: 768px) {
  :root { --px: 1rem; --s20: 4rem; --s24: 5rem; }
  .services-grid { grid-template-columns: 1fr; }
  .debt-solutions-grid { grid-template-columns: 1fr; }
  .process-grid { grid-template-columns: 1fr 1fr; }
  .process-grid::before { display: none; }
  .faq-layout { grid-template-columns: 1fr; }
  .faq-sidebar { position: static; }
  .cta-inner-grid { grid-template-columns: 1fr; }
  .cta-action { align-items: flex-start; }
  .hero-btns { flex-direction: column; }
  .hero-btns .btn { width: 100%; justify-content: center; }
  .stats-grid { grid-template-columns: repeat(2,1fr); }
  .stat-item:nth-child(2)::after, .stat-item:nth-child(4)::after { display: none; }
  .footer-top { grid-template-columns: 1fr 1fr; gap: var(--s8); }
  .footer-top > *:first-child,
  .footer-top > *:last-child { grid-column: 1 / -1; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .f-bottom-links { justify-content: center; }
}
@media (max-width: 540px) {
  .process-grid { grid-template-columns: 1fr; }
  .testimonial-card { /* width set by JS */ }
  .form-row { grid-template-columns: 1fr; }
  .form-footer { flex-direction: column; align-items: stretch; }
  .form-footer .btn { width: 100%; justify-content: center; }
  .hero-trust-row { gap: var(--s3); }
  .about-years-badge { right: var(--s3); bottom: var(--s3); }
  .about-fca-pill { left: var(--s3); top: var(--s3); }
  .services-grid { grid-template-columns: 1fr; }
}
@media print {
  #navbar, #back-to-top, #cookie-banner, .hero-scroll { display: none !important; }
}

/* ── 21. SITE DISCLAIMER (below footer) ─────────────────── */
.site-disclaimer {
  background: #060e1c;
  border-top: 1px solid rgba(255,255,255,.06);
  padding-block: var(--s8) var(--s6);
}
.sd-content {
  font-size: .74rem;
  color: rgba(255,255,255,.38);
  line-height: 1.8;
  margin-bottom: var(--s5);
}
.sd-content p { margin-bottom: .55rem; }
.sd-content p:last-child { margin-bottom: 0; }
.sd-content a {
  color: rgba(255,255,255,.55);
  text-decoration: underline;
  transition: color var(--t-fast);
}
.sd-content a:hover { color: rgba(255,255,255,.85); }
.sd-content strong { color: rgba(255,255,255,.55); font-weight: 600; }
.sd-copyright {
  font-size: .7rem;
  color: rgba(255,255,255,.22);
  padding-top: var(--s4);
  border-top: 1px solid rgba(255,255,255,.05);
  margin-top: var(--s4);
}