/* ===================================
   MakeMeDebtFree – style.css
   =================================== */

/* ---------- CSS Variables ---------- */
:root {
  --purple:     #6843b1;
  --blue:       #0c376b;
  --blue-sec:   #3a3e66;
  --navy:       #02073a;
  --white:      #ffffff;
  --light-bg:   #f7f5ff;
  --light-bg2:  #f0f4ff;
  --text-body:  #3a3e66;
  --text-head:  #02073a;
  --border:     #e8e4f3;
  --shadow-sm:  0 2px 12px rgba(104, 67, 177, 0.08);
  --shadow-md:  0 8px 32px rgba(104, 67, 177, 0.14);
  --shadow-lg:  0 20px 60px rgba(104, 67, 177, 0.18);
  --radius-sm:  8px;
  --radius-md:  16px;
  --radius-lg:  24px;
  --radius-xl:  32px;
  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ---------- Reset & Base ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'Poppins', sans-serif;
  color: var(--text-body);
  background: var(--white);
  overflow-x: hidden;
  line-height: 1.6;
}

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

.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.mt-2 { margin-top: 2rem; }

/* ---------- Scroll Progress Bar ---------- */
.scroll-progress {
  position: fixed;
  top: 0; left: 0;
  height: 3px;
  width: 0%;
  background: linear-gradient(90deg, var(--purple), var(--blue));
  z-index: 9999;
  transition: width 0.1s linear;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: var(--radius-md);
  font-weight: 600;
  font-size: 0.95rem;
  transition: all var(--transition);
  border: 2px solid transparent;
  cursor: pointer;
  white-space: nowrap;
}

.btn-lg { padding: 15px 32px; font-size: 1rem; }
.btn-block { width: 100%; justify-content: center; }

.btn-primary {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-primary:hover {
  transform: scale(1.05);
  box-shadow: 0 8px 30px rgba(2, 7, 58, 0.35);
}

.btn-secondary {
  background: var(--purple);
  color: var(--white);
  border-color: var(--purple);
}
.btn-secondary:hover {
  transform: scale(1.05);
  box-shadow: 0 8px 30px rgba(104, 67, 177, 0.4);
}

.btn-outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline:hover {
  background: var(--navy);
  color: var(--white);
  transform: scale(1.05);
  box-shadow: 0 8px 30px rgba(2, 7, 58, 0.25);
}

.btn-cta {
  background: var(--purple);
  color: var(--white);
  border-color: var(--purple);
  padding: 10px 22px;
  font-size: 0.88rem;
}
.btn-cta:hover {
  transform: scale(1.05);
  box-shadow: 0 6px 24px rgba(104, 67, 177, 0.45);
}

/* ---------- Section Shared ---------- */
section { padding: 96px 0; }

.section-header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 64px;
}

.section-tag {
  display: inline-block;
  background: rgba(104, 67, 177, 0.1);
  color: var(--purple);
  padding: 5px 16px;
  border-radius: 50px;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-bottom: 16px;
}

.section-title {
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  font-weight: 700;
  color: var(--text-head);
  line-height: 1.25;
  margin-bottom: 16px;
}

.section-subtitle {
  font-size: 1.05rem;
  color: var(--text-body);
  opacity: 0.85;
  line-height: 1.7;
}

.text-gradient {
  background: linear-gradient(135deg, var(--purple), var(--blue));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ---------- Scroll Reveal ---------- */
.reveal {
  opacity: 0;
  transform: translateY(36px);
  transition: opacity 0.65s ease, transform 0.65s ease;
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ====================================
   NAVBAR
   ==================================== */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: var(--white);
  border-bottom: 1px solid rgba(2, 7, 58, 0.08);
  padding: 0;
  transition: box-shadow var(--transition), padding var(--transition);
}

.navbar.scrolled {
  box-shadow: 0 4px 24px rgba(2, 7, 58, 0.1);
  padding: 0;
}

.nav-container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  height: 80px;
  display: flex;
  align-items: center;
  gap: 32px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}

.logo-text {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--white);
}

.logo-accent { color: var(--purple); }

.logo-img {
  height: 50px;
  width: auto;
  display: block;
  object-fit: contain;
  border-radius: 0;
  background: transparent;
  padding: 0;
}

.logo-img-footer {
  height: 75px;
  padding: 0;
  border-radius: 0;
  background: transparent;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
  flex: 1;
  justify-content: center;
}

.nav-link {
  color: rgba(2, 7, 58, 0.65);
  font-size: 0.92rem;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  transition: all var(--transition);
  position: relative;
}

.nav-link::after {
  content: '';
  position: absolute;
  bottom: 2px; left: 50%;
  transform: translateX(-50%) scaleX(0);
  width: 20px; height: 2px;
  background: var(--purple);
  border-radius: 2px;
  transition: transform var(--transition);
}

.nav-link:hover,
.nav-link.active {
  color: var(--navy);
}

.nav-link:hover::after,
.nav-link.active::after {
  transform: translateX(-50%) scaleX(1);
}

.nav-cta { flex-shrink: 0; }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 6px;
  margin-left: auto;
}

.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: all var(--transition);
}

.hamburger.active span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}
.hamburger.active span:nth-child(2) {
  opacity: 0;
}
.hamburger.active span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* ====================================
   HERO
   ==================================== */
.hero {
  min-height: auto;
  padding: 120px 0 80px;
  background: #ffffff;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
}

/* Hero background image — sits on the right, fades to white on the left */
.hero-bg-image {
  position: absolute;
  inset: 0;
  z-index: 0;
  background-image: var(--bg, none);
  background-size: cover;
  background-position: right center;
  background-repeat: no-repeat;
}
.hero-bg-image::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to right,
    #ffffff 28%,
    rgba(255, 255, 255, 0.88) 42%,
    rgba(255, 255, 255, 0.35) 62%,
    rgba(255, 255, 255, 0) 78%
  );
}

/* Floating shapes — hidden when image is in use */
.hero-shapes { display: none; }

.shape {
  position: absolute;
  border-radius: 50%;
  opacity: 0.12;
  animation: floatShape 8s ease-in-out infinite;
}

.shape-1 {
  width: 500px; height: 500px;
  background: radial-gradient(circle, var(--purple), transparent);
  top: -200px; right: -100px;
  animation-delay: 0s;
}
.shape-2 {
  width: 300px; height: 300px;
  background: radial-gradient(circle, var(--blue), transparent);
  bottom: -100px; left: -80px;
  animation-delay: 2s;
}
.shape-3 {
  width: 180px; height: 180px;
  background: radial-gradient(circle, var(--purple), transparent);
  top: 40%; left: 30%;
  opacity: 0.07;
  animation-delay: 4s;
}
.shape-4 {
  width: 120px; height: 120px;
  background: radial-gradient(circle, var(--blue), transparent);
  top: 20%; right: 25%;
  opacity: 0.08;
  animation-delay: 1s;
}

@keyframes floatShape {
  0%, 100% { transform: translateY(0px) scale(1); }
  50% { transform: translateY(-30px) scale(1.05); }
}

.hero-container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  align-items: center;
  padding-top: 0;
  padding-bottom: 0;
  position: relative;
  z-index: 1;
}

.hero-content {
  max-width: 560px;
  padding-right: 40px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(104, 67, 177, 0.1);
  border: 1px solid rgba(104, 67, 177, 0.2);
  color: var(--purple);
  padding: 8px 16px;
  border-radius: 50px;
  font-size: 0.82rem;
  font-weight: 600;
  margin-bottom: 24px;
  animation: fadeDown 0.6s ease 0.1s both;
}

.hero-title {
  font-size: clamp(2.2rem, 4.5vw, 3.6rem);
  font-weight: 800;
  color: var(--text-head);
  line-height: 1.15;
  margin-bottom: 20px;
  overflow-wrap: break-word;
  word-break: break-word;
  animation: fadeUp 0.7s ease 0.2s both;
}

.hero-subtitle {
  font-size: 1.1rem;
  color: var(--text-body);
  line-height: 1.75;
  margin-bottom: 36px;
  opacity: 0.9;
  animation: fadeUp 0.7s ease 0.35s both;
}

.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 20px;
  animation: fadeUp 0.7s ease 0.45s both;
}

/* ---- Hero Trustpilot Badge ---- */
.hero-tp-badge {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  background: #6843b1;
  border-radius: 10px;
  padding: 10px 16px;
  text-decoration: none;
  margin-top: 4px;
  max-width: 100%;
  box-sizing: border-box;
  animation: fadeUp 0.7s ease 0.52s both;
  transition: opacity 0.2s, transform 0.2s;
}
.hero-tp-badge:hover {
  opacity: 0.9;
  transform: translateY(-2px);
}
.hero-tp-left {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  line-height: 1;
}
.hero-tp-score {
  font-size: 1.4rem;
  font-weight: 800;
  color: #fff;
  line-height: 1;
}
.hero-tp-outof {
  font-size: 0.9rem;
  font-weight: 600;
  opacity: 0.85;
}
.hero-tp-rated {
  font-size: 0.62rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  color: rgba(255,255,255,0.85);
  margin-top: 3px;
  white-space: nowrap;
}
.hero-tp-stars {
  display: flex;
  gap: 2px;
}
.hero-tp-stars svg {
  width: 20px;
  height: 20px;
}
.hero-tp-brand {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 2px;
  border-left: 1px solid rgba(255,255,255,0.25);
  padding-left: 14px;
}
.hero-tp-name {
  font-size: 0.7rem;
  font-weight: 700;
  color: rgba(255,255,255,0.9);
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.hero-note {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.82rem;
  color: var(--text-body);
  opacity: 0.7;
  animation: fadeUp 0.7s ease 0.55s both;
}

/* Hero Visual */
.hero-visual {
  position: relative;
  height: 460px;
  animation: fadeUp 0.8s ease 0.3s both;
}

.hero-illustration {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
}

.hero-illustration svg {
  width: 100%;
  max-width: 420px;
  filter: drop-shadow(0 20px 40px rgba(104, 67, 177, 0.15));
}

.hero-card {
  position: absolute;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 20px;
  z-index: 2;
}

.card-main {
  bottom: 24px;
  left: 0;
  width: 280px;
  animation: floatCard 6s ease-in-out infinite;
}

.card-secondary {
  top: 30px;
  right: 0;
  width: 160px;
  text-align: center;
  animation: floatCard 6s ease-in-out 1.5s infinite;
}

.card-tertiary {
  top: 44%;
  left: -20px;
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 12px 16px;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--navy);
  white-space: nowrap;
  animation: floatCard 6s ease-in-out 3s infinite;
}

@keyframes floatCard {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}

.card-header-row {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 14px;
}

.card-avatar {
  width: 38px; height: 38px;
  background: rgba(104, 67, 177, 0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}

.card-name {
  font-weight: 600;
  font-size: 0.85rem;
  color: var(--navy);
}

.card-role {
  font-size: 0.72rem;
  color: var(--text-body);
  opacity: 0.7;
}

.card-badge-green {
  margin-left: auto;
  background: rgba(16, 185, 129, 0.1);
  color: #10b981;
  padding: 3px 10px;
  border-radius: 50px;
  font-size: 0.7rem;
  font-weight: 600;
}

.debt-label {
  font-size: 0.72rem;
  color: var(--text-body);
  opacity: 0.7;
  margin-bottom: 4px;
}

.debt-value {
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}

.progress-track {
  height: 6px;
  background: var(--border);
  border-radius: 3px;
  overflow: hidden;
  margin-bottom: 8px;
}

.progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--purple), var(--blue));
  border-radius: 3px;
}

.debt-footer {
  display: flex;
  justify-content: space-between;
  font-size: 0.68rem;
  color: var(--text-body);
  opacity: 0.7;
}

.green-text { color: #10b981 !important; opacity: 1 !important; font-weight: 600; }

.card-icon-wrap {
  width: 44px; height: 44px;
  background: rgba(104, 67, 177, 0.1);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 10px;
}

.card-stat {
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--navy);
}

.card-stat-label {
  font-size: 0.7rem;
  color: var(--text-body);
  opacity: 0.7;
}

/* ---- Hero Badge pulse dot ---- */
.badge-pulse {
  width: 8px; height: 8px;
  background: #10b981;
  border-radius: 50%;
  display: inline-block;
  position: relative;
  flex-shrink: 0;
}
.badge-pulse::after {
  content: '';
  position: absolute;
  inset: -3px;
  border-radius: 50%;
  background: rgba(16, 185, 129, 0.35);
  animation: heroPulse 1.8s ease-in-out infinite;
}
@keyframes heroPulse {
  0%, 100% { transform: scale(1); opacity: 1; }
  50%       { transform: scale(1.6); opacity: 0; }
}

/* ---- Hero trust row ---- */
.hero-trust-row {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
  margin-bottom: 28px;
  animation: fadeUp 0.7s ease 0.42s both;
}
.hero-trust-item {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-head);
}
.hero-trust-divider {
  color: var(--text-body);
  opacity: 0.3;
  font-size: 1.1rem;
  line-height: 1;
}

/* ---- Hero social proof ---- */
.hero-social-proof {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-top: 24px;
  animation: fadeUp 0.7s ease 0.6s both;
}
.proof-avatars {
  display: flex;
}
.proof-avatar {
  width: 34px; height: 34px;
  border-radius: 50%;
  border: 2.5px solid var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.68rem;
  font-weight: 700;
  color: var(--white);
  margin-left: -9px;
}
.proof-avatar:first-child { margin-left: 0; }
.proof-avatar-plus {
  background: var(--border);
  color: var(--text-body);
  font-size: 0.62rem;
  font-weight: 700;
}
.proof-text { line-height: 1.45; }
.proof-stars {
  color: #f5a623;
  font-size: 0.78rem;
  letter-spacing: 1px;
}
.proof-text span {
  font-size: 0.78rem;
  color: var(--text-body);
  opacity: 0.72;
}

/* ---- Hero visual background glow ---- */
.hero-visual-glow {
  position: absolute;
  width: 380px; height: 380px;
  background: radial-gradient(circle, rgba(104,67,177,0.13) 0%, transparent 68%);
  border-radius: 50%;
  top: 50%; left: 55%;
  transform: translate(-50%, -50%);
  pointer-events: none;
  z-index: 0;
}

/* ---- Updated card-main (override position/size) ---- */
.card-main {
  bottom: 0;
  left: 0;
  width: 295px;
  z-index: 2;
  animation: floatCard 6s ease-in-out infinite;
}

/* card-main inner layout */
.card-main-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  margin-bottom: 16px;
}
.card-main-label {
  font-size: 0.65rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--text-body);
  opacity: 0.6;
  margin-bottom: 3px;
}
.card-main-name {
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--navy);
}
.card-debt-breakdown {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-bottom: 14px;
}
.debt-breakdown-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.breakdown-bar-wrap {
  display: flex;
  align-items: center;
  gap: 8px;
}
.breakdown-dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  flex-shrink: 0;
}
.breakdown-label {
  font-size: 0.75rem;
  color: var(--text-body);
  opacity: 0.8;
}
.breakdown-amount {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--navy);
}
.card-divider {
  height: 1px;
  background: var(--border);
  margin: 10px 0 12px;
}
.card-total-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 12px;
}
.total-label {
  font-size: 0.7rem;
  color: var(--text-body);
  opacity: 0.6;
}
.total-value {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--navy);
}
.card-progress-section { margin-bottom: 14px; }
.progress-meta {
  display: flex;
  justify-content: space-between;
  font-size: 0.7rem;
  color: var(--text-body);
  opacity: 0.7;
  margin-bottom: 6px;
}
.progress-pct {
  font-weight: 700;
  color: var(--purple) !important;
  opacity: 1 !important;
}
.card-footer-row {
  display: flex;
  justify-content: space-between;
  padding-top: 12px;
  border-top: 1px solid var(--border);
}
.card-footer-stat { text-align: center; }
.footer-stat-val {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.2;
}
.footer-stat-label {
  font-size: 0.6rem;
  color: var(--text-body);
  opacity: 0.6;
  margin-top: 2px;
}

/* ---- Notification card ---- */
.card-notification {
  top: 16px;
  right: 0;
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 12px 16px;
  width: 228px;
  z-index: 2;
  animation: floatCard 6s ease-in-out 1s infinite;
  position: relative;
}
.notif-pulse {
  position: absolute;
  top: 10px; right: 10px;
  width: 8px; height: 8px;
  background: #10b981;
  border-radius: 50%;
}
.notif-pulse::after {
  content: '';
  position: absolute;
  inset: -3px;
  border-radius: 50%;
  background: rgba(16, 185, 129, 0.3);
  animation: heroPulse 1.8s ease-in-out 0.4s infinite;
}
.notif-icon-wrap {
  width: 34px; height: 34px;
  background: rgba(245,166,35,0.12);
  border-radius: 9px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.notif-title {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.3;
}
.notif-sub {
  font-size: 0.67rem;
  color: var(--text-body);
  opacity: 0.68;
}

/* ---- FCA card ---- */
.card-fca {
  bottom: 100px;
  right: 0;
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 11px 15px;
  z-index: 2;
  animation: floatCard 6s ease-in-out 2.5s infinite;
}
.fca-icon {
  width: 36px; height: 36px;
  background: rgba(104,67,177,0.1);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.fca-title {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.3;
}
.fca-sub {
  font-size: 0.64rem;
  color: var(--text-body);
  opacity: 0.65;
}

/* ---- Advisor online card ---- */
.card-advisor {
  top: 44%;
  left: -12px;
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 14px;
  z-index: 2;
  animation: floatCard 6s ease-in-out 3.5s infinite;
}
.advisor-wrap {
  position: relative;
  flex-shrink: 0;
}
.advisor-avi {
  width: 34px; height: 34px;
  background: linear-gradient(135deg, var(--purple), var(--blue));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--white);
}
.advisor-online-dot {
  position: absolute;
  bottom: 1px; right: 1px;
  width: 10px; height: 10px;
  background: #10b981;
  border-radius: 50%;
  border: 2px solid var(--white);
}
.advisor-title {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.3;
}
.advisor-sub {
  font-size: 0.64rem;
  color: var(--text-body);
  opacity: 0.65;
}

/* ====================================
   TRUST SECTION
   ==================================== */
.trust-section {
  padding: 64px 0;
  background: var(--navy);
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}

.trust-card {
  text-align: center;
  padding: 40px 24px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius-lg);
  transition: all var(--transition);
}

.trust-card:hover {
  background: rgba(104, 67, 177, 0.15);
  border-color: rgba(104, 67, 177, 0.3);
  transform: translateY(-4px);
}

.trust-icon {
  width: 60px; height: 60px;
  background: rgba(104, 67, 177, 0.15);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}

.trust-number {
  font-size: 2.6rem;
  font-weight: 800;
  color: var(--white);
  line-height: 1;
  margin-bottom: 8px;
}

.trust-text-stat {
  font-size: 2.2rem;
  letter-spacing: 0.05em;
}

.trust-label {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.65);
  font-weight: 500;
}

/* ====================================
   SOLUTIONS SECTION
   ==================================== */
.solutions-section {
  background: var(--light-bg);
}

.solutions-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.solutions-grid-3 {
  grid-template-columns: repeat(3, 1fr);
}

.solution-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  border: 1px solid var(--border);
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}

.solution-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--purple), var(--blue));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition);
}

.solution-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(104, 67, 177, 0.2);
}

.solution-card:hover::before {
  transform: scaleX(1);
}

.solution-card-featured {
  background: linear-gradient(145deg, var(--purple), var(--blue));
  border-color: transparent;
  color: white;
}

.solution-card-featured::before { display: none; }

.solution-card-featured:hover {
  box-shadow: 0 20px 60px rgba(104, 67, 177, 0.4);
}

.solution-card-featured .solution-title,
.solution-card-featured .solution-desc,
.solution-card-featured .solution-features li {
  color: white !important;
}

.solution-card-featured .solution-features li::before {
  background: rgba(255,255,255,0.6) !important;
}

.solution-badge {
  position: absolute;
  top: 16px; right: 16px;
  background: rgba(255,255,255,0.25);
  color: white;
  padding: 4px 12px;
  border-radius: 50px;
  font-size: 0.72rem;
  font-weight: 600;
}

.solution-icon {
  width: 64px; height: 64px;
  background: rgba(104, 67, 177, 0.08);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}

.solution-card-featured .solution-icon {
  background: rgba(255,255,255,0.15);
}

.solution-title {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 12px;
}

.solution-desc {
  font-size: 0.9rem;
  color: var(--text-body);
  line-height: 1.65;
  margin-bottom: 20px;
}

.solution-features {
  margin-bottom: 24px;
}

.solution-features li {
  font-size: 0.85rem;
  color: var(--text-body);
  padding: 5px 0;
  padding-left: 16px;
  position: relative;
}

.solution-features li::before {
  content: '';
  position: absolute;
  left: 0; top: 50%;
  transform: translateY(-50%);
  width: 6px; height: 6px;
  background: var(--purple);
  border-radius: 50%;
}

.solution-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--purple);
  font-weight: 600;
  font-size: 0.88rem;
  transition: gap var(--transition);
}

.solution-link:hover { gap: 10px; }

.solution-link-light { color: rgba(255,255,255,0.9); }

/* "Best for:" note at bottom of service cards */
.solution-best-for {
  font-size: 0.82rem;
  color: var(--text-body);
  background: rgba(104, 67, 177, 0.06);
  border-left: 3px solid var(--purple);
  padding: 8px 12px;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  margin-bottom: 20px;
  line-height: 1.5;
}
.solution-best-for strong { color: var(--purple); }

.solution-card-featured .solution-best-for {
  background: rgba(255,255,255,0.12);
  border-left-color: rgba(255,255,255,0.6);
  color: rgba(255,255,255,0.85);
}
.solution-card-featured .solution-best-for strong { color: white; }

/* Scotland region tag */
.solution-tag-region {
  position: absolute;
  top: 16px; right: 16px;
  background: rgba(12, 55, 107, 0.1);
  color: var(--blue);
  padding: 3px 10px;
  border-radius: 50px;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  border: 1px solid rgba(12, 55, 107, 0.18);
}

/* ====================================
   DEBT HELP SECTION
   ==================================== */
.debt-help-section {
  background: var(--white);
}

.debt-help-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.debt-help-content .section-tag { display: inline-block; }
.debt-help-content .section-title { text-align: left; }

.debt-types {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin: 28px 0;
}

.debt-type-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 0.95rem;
  color: var(--text-body);
}

.eligibility-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  border: 1px solid var(--border);
}

/* Trust row (No credit checks / No obligation / Confidential) */
.eli-trust-row {
  padding: 20px 24px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  background: rgba(16, 185, 129, 0.04);
}

.eli-trust-item {
  display: flex;
  align-items: center;
  gap: 9px;
  font-size: 0.875rem;
  font-weight: 600;
  color: #0d7a57;
}

/* Divider inside card */
.eli-divider {
  height: 1px;
  background: var(--border);
}

/* "Quick Overview" label */
.eli-section-head {
  padding: 16px 24px 4px;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--text-body);
  text-transform: uppercase;
  letter-spacing: 0.07em;
  opacity: 0.7;
}

.eligibility-body {
  padding: 0;
}

.eligibility-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 24px;
  border-bottom: 1px solid var(--border);
  font-size: 0.875rem;
}

.eligibility-row:last-child { border-bottom: none; }

.eli-label { color: var(--text-body); opacity: 0.8; }
.eli-value { font-weight: 600; color: var(--navy); }
.eli-value-green { color: #10b981 !important; }
.eli-guide { font-weight: 400; font-size: 0.78rem; color: var(--text-body); opacity: 0.65; }

/* "Not sure if you qualify?" block */
.eli-not-sure {
  padding: 16px 24px;
  background: rgba(104, 67, 177, 0.05);
}

.eli-not-sure strong {
  display: block;
  font-size: 0.9rem;
  color: var(--navy);
  margin-bottom: 6px;
}

.eli-not-sure p {
  font-size: 0.82rem;
  color: var(--text-body);
  line-height: 1.55;
  margin: 0;
}

.eligibility-card .btn { margin: 16px 24px 24px; width: calc(100% - 48px); }

/* Left-column extras */
.debt-help-intro {
  font-size: 0.95rem;
  color: var(--text-body);
  margin-bottom: 8px;
  font-style: italic;
}

.debt-types-heading {
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: var(--purple);
  margin-bottom: 14px;
  margin-top: 24px;
}

.debt-help-cta-block {
  margin-top: 32px;
}

.debt-help-cta-note {
  font-size: 0.83rem;
  color: var(--text-body);
  margin-top: 12px;
  line-height: 1.55;
  max-width: 480px;
}

/* ====================================
   WHY CHOOSE US
   ==================================== */
.why-section {
  background: var(--light-bg);
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.why-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  border: 1px solid var(--border);
  transition: all var(--transition);
}

.why-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 12px 40px rgba(117, 94, 182, 0.3);
  border-color: #755EB6;
  background: #755EB6;
}

.why-card:hover h4,
.why-card:hover p {
  color: #ffffff;
}

.why-icon {
  width: 56px; height: 56px;
  background: rgba(104, 67, 177, 0.08);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
  transition: background var(--transition);
}

.why-card:hover .why-icon {
  background: rgba(255, 255, 255, 0.2);
}

.why-card:hover .why-icon svg path,
.why-card:hover .why-icon svg circle,
.why-card:hover .why-icon svg rect,
.why-card:hover .why-icon svg ellipse {
  stroke: #ffffff;
  fill: none;
}

.why-card h4 {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}

.why-card p {
  font-size: 0.9rem;
  color: var(--text-body);
  line-height: 1.65;
  opacity: 0.85;
}

/* ====================================
   PROCESS SECTION
   ==================================== */
.process-section {
  background: var(--white);
}

.process-timeline {
  position: relative;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.process-line {
  position: absolute;
  top: 52px;
  left: calc(12.5% + 24px);
  right: calc(12.5% + 24px);
  height: 2px;
  background: linear-gradient(90deg, var(--purple), var(--blue));
  z-index: 0;
  opacity: 0.25;
}

.process-step {
  position: relative;
  z-index: 1;
  text-align: center;
}

.step-number {
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--purple);
  letter-spacing: 0.1em;
  margin-bottom: 12px;
  opacity: 0.7;
}

.step-card {
  background: var(--light-bg);
  border-radius: var(--radius-lg);
  padding: 36px 24px;
  border: 1px solid var(--border);
  transition: all var(--transition);
}

.process-step:hover .step-card {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: rgba(104, 67, 177, 0.2);
}

.step-icon {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, var(--purple), var(--blue));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 18px;
  box-shadow: 0 8px 24px rgba(104, 67, 177, 0.3);
}

.step-card h4 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}

.step-card p {
  font-size: 0.87rem;
  color: var(--text-body);
  line-height: 1.65;
  opacity: 0.85;
}

/* ====================================
   TESTIMONIALS
   ==================================== */
.testimonials-section {
  background: var(--light-bg);
}

/* ---- Trustpilot full-width banner ---- */
.tp-banner {
  display: flex;
  align-items: center;
  gap: 0;
  background: #6843B1;
  border-radius: 16px;
  padding: 28px 36px;
  margin-bottom: 48px;
  text-decoration: none;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  box-shadow: 0 6px 30px rgba(104, 67, 177, 0.35);
  cursor: pointer;
}

.tp-banner:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 40px rgba(104, 67, 177, 0.25);
}

.tp-banner-left {
  flex: 1;
  padding-right: 36px;
}

.tp-tagline {
  font-size: 1.1rem;
  font-weight: 700;
  color: #ffffff;
  margin-bottom: 8px;
  line-height: 1.4;
}

.tp-sub {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.75);
  line-height: 1.6;
  margin-bottom: 14px;
}

.tp-cta {
  font-size: 0.82rem;
  font-weight: 600;
  color: #00b67a;
  letter-spacing: 0.02em;
}

.tp-banner-divider {
  width: 1px;
  align-self: stretch;
  background: rgba(255,255,255,0.2);
  margin: 0 36px;
  flex-shrink: 0;
}

.tp-banner-right {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}

.tp-banner-rating {
  display: flex;
  align-items: baseline;
  gap: 8px;
}

.tp-score {
  font-size: 1.6rem;
  font-weight: 800;
  color: #ffffff;
  line-height: 1;
}

.tp-outof {
  font-size: 1rem;
  font-weight: 500;
  color: rgba(255,255,255,0.6);
}

.tp-rated {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.tp-banner-stars {
  display: flex;
  gap: 4px;
}

.tp-banner-stars svg {
  width: 22px;
  height: 22px;
}

.tp-banner-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: 4px;
}

.tp-brand-name {
  font-size: 0.78rem;
  font-weight: 700;
  color: rgba(255,255,255,0.75);
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

/* Mobile */
@media (max-width: 640px) {
  .tp-banner {
    flex-direction: column;
    align-items: flex-start;
    gap: 20px;
    padding: 22px 20px;
  }
  .tp-banner-divider { width: 100%; height: 1px; margin: 0; align-self: auto; }
  .tp-banner-left { padding-right: 0; }
  .tp-banner-right { align-items: flex-start; width: 100%; }
  .tp-banner-rating { flex-wrap: wrap; }
}

.testimonials-carousel {
  position: relative;
  overflow: hidden;
}

.testimonials-track {
  display: flex;
  gap: 24px;
  transition: transform 0.5s cubic-bezier(0.4, 0, 0.2, 1);
}

.testimonial-card {
  flex: 0 0 calc(33.333% - 16px);
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
}

.testimonial-card:hover {
  box-shadow: 0 12px 40px rgba(117, 94, 182, 0.3);
  transform: translateY(-4px);
  background: #755EB6;
  border-color: #755EB6;
}

.testimonial-card:hover .testimonial-text,
.testimonial-card:hover .author-info strong,
.testimonial-card:hover .author-info span,
.testimonial-card:hover .testimonial-amount {
  color: #ffffff;
}

.testimonial-card:hover .testimonial-stars svg {
  fill: rgba(255, 255, 255, 0.9);
}

.testimonial-stars {
  display: flex;
  gap: 3px;
  margin-bottom: 16px;
}

.testimonial-text {
  font-size: 0.95rem;
  color: var(--text-body);
  line-height: 1.75;
  margin-bottom: 24px;
  font-style: italic;
  opacity: 0.9;
}

.testimonial-text::before { content: '\201C'; }
.testimonial-text::after  { content: '\201D'; }

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.author-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-weight: 700;
  font-size: 1.1rem;
  flex-shrink: 0;
}

.author-info strong {
  display: block;
  font-size: 0.92rem;
  color: var(--navy);
}

.author-info span {
  font-size: 0.78rem;
  color: var(--text-body);
  opacity: 0.7;
}

.testimonial-amount {
  margin-left: auto;
  background: rgba(104, 67, 177, 0.08);
  color: var(--purple);
  padding: 5px 12px;
  border-radius: 50px;
  font-size: 0.75rem;
  font-weight: 600;
  white-space: nowrap;
}

.carousel-controls {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 20px;
  margin-top: 40px;
}

.carousel-btn {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--white);
  border: 1px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  transition: all var(--transition);
  box-shadow: var(--shadow-sm);
}

.carousel-btn:hover {
  background: var(--purple);
  color: white;
  border-color: var(--purple);
  transform: scale(1.1);
}

.carousel-dots {
  display: flex;
  gap: 8px;
}

.dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: var(--border);
  cursor: pointer;
  transition: all var(--transition);
}

.dot.active {
  background: var(--purple);
  width: 24px;
  border-radius: 4px;
}

/* ====================================
   FAQ
   ==================================== */
.faq-section {
  background: var(--white);
}

.faq-intro {
  max-width: 800px;
  margin: 0 auto 36px;
  text-align: center;
  font-size: 0.95rem;
  color: var(--text-body);
  line-height: 1.7;
  background: rgba(104, 67, 177, 0.04);
  border-radius: var(--radius-md);
  padding: 18px 24px;
  border-left: 3px solid var(--purple);
}

.faq-list {
  max-width: 800px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: box-shadow var(--transition);
}

.faq-item.open {
  box-shadow: 0 8px 30px rgba(117, 94, 182, 0.2);
  border-color: #755EB6;
}

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 24px;
  background: var(--white);
  text-align: left;
  font-size: 0.97rem;
  font-weight: 600;
  color: var(--navy);
  transition: background var(--transition);
}

.faq-question:hover { background: var(--light-bg); }

.faq-item.open .faq-question {
  background: #755EB6;
  color: #ffffff;
}

.faq-item.open .faq-question span {
  color: #ffffff;
}

.faq-icon {
  flex-shrink: 0;
  color: var(--purple);
  transition: transform var(--transition), color var(--transition);
}

.faq-item.open .faq-icon {
  transform: rotate(180deg);
  color: #ffffff;
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease, padding 0.3s ease;
}

.faq-item.open .faq-answer {
  max-height: 300px;
  padding-bottom: 4px;
  background: rgba(117, 94, 182, 0.04);
}

.faq-answer p {
  padding: 0 24px 20px;
  font-size: 0.92rem;
  color: var(--text-body);
  line-height: 1.75;
  opacity: 0.85;
}

/* ====================================
   CONTACT
   ==================================== */
.contact-section {
  background: linear-gradient(145deg, var(--light-bg) 0%, var(--light-bg2) 100%);
}

.contact-inner {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 80px;
  align-items: start;
}

.contact-info .section-title { text-align: left; font-size: clamp(1.6rem, 3vw, 2.2rem); }
.contact-info > p {
  margin-top: 12px;
  font-size: 0.97rem;
  color: var(--text-body);
  line-height: 1.7;
}

.contact-details {
  display: flex;
  flex-direction: column;
  gap: 18px;
  margin: 32px 0;
}

.contact-detail-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}

.detail-icon {
  width: 42px; height: 42px;
  background: rgba(104, 67, 177, 0.08);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-detail-item strong {
  display: block;
  font-size: 0.85rem;
  color: var(--navy);
  font-weight: 600;
}

.contact-detail-item span {
  font-size: 0.88rem;
  color: var(--text-body);
  opacity: 0.8;
}

.contact-guarantee {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 14px 18px;
  background: rgba(104, 67, 177, 0.06);
  border-radius: var(--radius-md);
  border: 1px solid rgba(104, 67, 177, 0.15);
  font-size: 0.82rem;
  color: var(--purple);
  font-weight: 500;
}

/* Contact Form */
.contact-form-wrap {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 40px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
}

.contact-form { display: flex; flex-direction: column; gap: 18px; }

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.form-group label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
}

.form-group input,
.form-group select,
.form-group textarea {
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 0.92rem;
  color: var(--navy);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
  width: 100%;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--purple);
  box-shadow: 0 0 0 3px rgba(104, 67, 177, 0.12);
}

.form-group input.error,
.form-group select.error,
.form-group textarea.error {
  border-color: #ef4444;
}

.form-group textarea { resize: vertical; min-height: 100px; }

.form-error {
  font-size: 0.78rem;
  color: #ef4444;
  font-weight: 500;
  min-height: 18px;
  display: block;
}

/* Checkbox */
.form-checkbox { gap: 8px; }

.checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  cursor: pointer;
  font-size: 0.85rem;
  color: var(--text-body);
  line-height: 1.5;
}

.checkbox-label input[type="checkbox"] {
  display: none;
}

.checkmark {
  width: 18px; height: 18px;
  border: 2px solid var(--border);
  border-radius: 4px;
  flex-shrink: 0;
  margin-top: 1px;
  transition: all var(--transition);
  position: relative;
}

.checkbox-label input:checked + .checkmark {
  background: var(--purple);
  border-color: var(--purple);
}

.checkbox-label input:checked + .checkmark::after {
  content: '';
  position: absolute;
  left: 4px; top: 1px;
  width: 6px; height: 10px;
  border: 2px solid white;
  border-top: none;
  border-left: none;
  transform: rotate(45deg);
}

.checkbox-label a {
  color: var(--purple);
  text-decoration: underline;
}

/* Submit */
#submitBtn {
  position: relative;
  overflow: hidden;
}

#submitBtn.loading span { opacity: 0; }
#submitBtn.loading::after {
  content: '';
  position: absolute;
  width: 20px; height: 20px;
  border: 2px solid transparent;
  border-top-color: white;
  border-radius: 50%;
  animation: spin 0.8s linear infinite;
}

@keyframes spin {
  to { transform: rotate(360deg); }
}

.form-success {
  display: none;
  align-items: center;
  gap: 10px;
  background: rgba(16, 185, 129, 0.08);
  border: 1px solid rgba(16, 185, 129, 0.3);
  color: #10b981;
  padding: 14px 18px;
  border-radius: var(--radius-md);
  font-weight: 600;
  font-size: 0.92rem;
}

.form-success.show { display: flex; }

/* ====================================
   FOOTER
   ==================================== */
.footer {
  background: var(--navy);
  padding: 72px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.8fr 1fr 1fr 1.2fr;
  gap: 48px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.footer-logo { margin-bottom: 16px; }

.footer-tagline {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.7;
  margin-bottom: 24px;
  max-width: 280px;
}

.social-icons {
  display: flex;
  gap: 10px;
}

.social-icon {
  width: 38px; height: 38px;
  background: rgba(255,255,255,0.07);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.6);
  transition: all var(--transition);
}

.social-icon:hover {
  background: var(--purple);
  color: white;
  transform: translateY(-3px);
}

.footer-col h5 {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 20px;
}

.footer-col ul {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-col ul li a {
  font-size: 0.87rem;
  color: rgba(255,255,255,0.55);
  transition: color var(--transition);
}

.footer-col ul li a:hover { color: var(--white); }

.contact-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.87rem;
  color: rgba(255,255,255,0.55);
}

.contact-list li svg { flex-shrink: 0; margin-top: 2px; color: rgba(255,255,255,0.4); }

.footer-bottom {
  padding: 24px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}

.footer-copy {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.45);
  line-height: 1.5;
  white-space: nowrap;
}

.footer-legal-links {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
}

.footer-legal-links a {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.75);
  font-weight: 600;
  transition: color var(--transition);
  white-space: nowrap;
}

.footer-legal-links a:hover { color: var(--white); }

.footer-legal-links .sep {
  color: rgba(255,255,255,0.2);
  font-size: 0.75rem;
}

@media (max-width: 640px) {
  .footer-bottom {
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 16px;
  }
  .footer-copy {
    font-size: 0.82rem;
    font-weight: 500;
    color: rgba(255,255,255,0.65);
  }
  .footer-legal-links {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 0;
    width: 100%;
    max-width: 300px;
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: 10px;
    overflow: hidden;
  }
  .footer-legal-links a {
    flex: 0 0 50%;
    text-align: center;
    font-size: 0.85rem;
    font-weight: 600;
    color: rgba(255,255,255,0.85);
    padding: 10px 8px;
    white-space: nowrap;
    background: rgba(255,255,255,0.04);
    transition: background 0.2s, color 0.2s;
  }
  .footer-legal-links a:hover { background: rgba(255,255,255,0.09); color: #fff; }
  /* right border on left-column cells */
  .footer-legal-links a:nth-child(1),
  .footer-legal-links a:nth-child(5) {
    border-right: 1px solid rgba(255,255,255,0.1);
  }
  /* bottom border on first-row cells */
  .footer-legal-links a:nth-child(1),
  .footer-legal-links a:nth-child(3) {
    border-bottom: 1px solid rgba(255,255,255,0.1);
  }
  .footer-legal-links .sep { display: none; }
}

/* ====================================
   BACK TO TOP
   ==================================== */
.back-to-top {
  position: fixed;
  bottom: 32px;
  right: 32px;
  width: 48px; height: 48px;
  background: var(--purple);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 8px 24px rgba(104, 67, 177, 0.4);
  opacity: 0;
  visibility: hidden;
  transform: translateY(16px);
  transition: all var(--transition);
  z-index: 999;
}

.back-to-top.visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.back-to-top:hover {
  background: var(--navy);
  transform: translateY(-4px);
  box-shadow: 0 12px 32px rgba(2, 7, 58, 0.4);
}

/* ====================================
   KEYFRAMES
   ==================================== */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(24px); }
  to   { opacity: 1; transform: translateY(0); }
}

@keyframes fadeDown {
  from { opacity: 0; transform: translateY(-16px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* ====================================
   RESPONSIVE – TABLET (≤ 1024px)
   ==================================== */
@media (max-width: 1024px) {
  .hero-container { grid-template-columns: 1fr; gap: 0; text-align: center; }
  .hero-content { max-width: 100%; padding-right: 0; }
  .hero-actions { justify-content: center; }
  .hero-note { justify-content: center; }
  .hero-trust-row { justify-content: center; }
  .hero-tp-badge { align-self: center; max-width: calc(100vw - 48px); }
  .hero-social-proof { justify-content: center; }
  .hero-visual { height: 360px; max-width: 500px; margin: 0 auto; }

  /* On tablet/mobile: image shows full background with white overlay for readability */
  .hero { padding-bottom: 60px; }
  .hero-bg-image {
    background-position: center center;
    background-size: cover;
  }
  .hero-bg-image::after {
    background: rgba(255, 255, 255, 0.78);
  }
  .card-main { left: 0; width: 250px; bottom: 0; }
  .card-notification { right: 0; }
  .card-fca { right: 0; bottom: 80px; }
  .card-advisor { left: -4px; }

  .trust-grid { grid-template-columns: repeat(2, 1fr); }
  .solutions-grid { grid-template-columns: repeat(2, 1fr); }
  .solutions-grid-3 { grid-template-columns: repeat(2, 1fr); }
  .why-grid { grid-template-columns: repeat(2, 1fr); }
  .process-timeline { grid-template-columns: repeat(2, 1fr); }
  .process-line { display: none; }
  .debt-help-inner { grid-template-columns: 1fr; gap: 48px; }
  .contact-inner { grid-template-columns: 1fr; gap: 48px; }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
  .testimonial-card { flex: 0 0 calc(50% - 12px); }
}

/* ====================================
   RESPONSIVE – MOBILE (≤ 768px)
   ==================================== */
@media (max-width: 768px) {
  section { padding: 64px 0; }

  /* Navbar */
  .nav-links {
    position: fixed;
    top: 80px; left: 0; right: 0;
    background: var(--white);
    flex-direction: column;
    align-items: flex-start;
    padding: 24px;
    gap: 4px;
    transform: translateY(-100%);
    opacity: 0;
    pointer-events: none;
    transition: all var(--transition);
    border-top: 1px solid rgba(2, 7, 58, 0.08);
    box-shadow: 0 20px 40px rgba(2, 7, 58, 0.1);
  }

  .nav-links.open {
    transform: translateY(0);
    opacity: 1;
    pointer-events: all;
  }

  .nav-link { padding: 12px 0; width: 100%; font-size: 1rem; }
  .nav-link::after { display: none; }
  .hamburger { display: flex; }
  .nav-cta { display: none; }

  /* Hero */
  .hero-visual { display: none; }

  /* Grids */
  .trust-grid { grid-template-columns: repeat(2, 1fr); gap: 16px; }
  .solutions-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .process-timeline { grid-template-columns: 1fr; }
  .contact-inner { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .footer-brand { grid-column: 1 / -1; }
  .footer-grid .footer-col:last-child { grid-column: 1 / -1; }
  .form-row { grid-template-columns: 1fr; }
  .contact-form-wrap { padding: 28px 20px; }

  /* Testimonials — one card fills the full container */
  .testimonial-card {
    flex: 0 0 calc(100% - 0px);
    min-width: 0;
    padding: 20px 16px;
    box-sizing: border-box;
  }
  .testimonial-author {
    flex-wrap: wrap;
    gap: 8px;
  }
  .testimonial-amount {
    margin-left: 0;
    flex-shrink: 0;
    font-size: 0.72rem;
  }
  /* gap stays 0 so JS shift (cw + 0) aligns exactly */
  .testimonials-track { gap: 0 !important; }

  /* Typography */
  .section-title { font-size: 1.7rem; }
  .hero-title { font-size: 1.9rem; overflow-wrap: break-word; word-break: break-word; }
  .trust-number { font-size: 2rem; }

  /* Hero badge responsive */
  .hero-tp-badge { gap: 10px; padding: 9px 12px; }
  .hero-tp-stars svg { width: 17px; height: 17px; }
  .hero-tp-score { font-size: 1.2rem; }

  .back-to-top { bottom: 20px; right: 20px; }
}

/* ====================================
   RESPONSIVE – SMALL MOBILE (≤ 480px)
   ==================================== */
@media (max-width: 480px) {
  .hero-actions { flex-direction: column; align-items: center; }
  .btn-lg { width: 100%; justify-content: center; }
  .trust-grid { grid-template-columns: 1fr 1fr; }
  .trust-card { padding: 28px 16px; }
  .trust-number { font-size: 1.8rem; }
  .nav-container { padding: 0 16px; }
  .container { padding: 0 16px; }
  .contact-form-wrap { padding: 24px 16px; }
  .footer-grid { gap: 24px; }

  /* Hero title — prevent overflow on very small screens */
  .hero-title { font-size: 1.7rem; overflow-wrap: break-word; word-break: break-word; }

  /* Badge — compact on tiny screens */
  .hero-tp-badge {
    gap: 8px;
    padding: 8px 12px;
    max-width: calc(100vw - 32px);
  }
  .hero-tp-stars svg { width: 15px; height: 15px; }
  .hero-tp-score { font-size: 1.1rem; }
  .hero-tp-brand { padding-left: 10px; }
}

/* ==========================================
   POPUP FORM
   ========================================== */
.popup-overlay {
  position: fixed;
  inset: 0;
  background: rgba(10, 8, 20, 0.65);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
  z-index: 9999;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 16px;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.35s ease, visibility 0.35s ease;
}

.popup-overlay.active {
  opacity: 1;
  visibility: visible;
}

.popup-modal {
  background: #fff;
  border-radius: 20px;
  padding: 36px 32px 28px;
  width: 100%;
  max-width: 460px;
  position: relative;
  box-shadow: 0 24px 60px rgba(0,0,0,0.22);
  transform: translateY(28px) scale(0.97);
  transition: transform 0.35s cubic-bezier(.22,.68,0,1.2);
  max-height: 90vh;
  overflow-y: auto;
}

.popup-overlay.active .popup-modal {
  transform: translateY(0) scale(1);
}

.popup-close {
  position: absolute;
  top: 14px;
  right: 14px;
  background: #f3f0ff;
  border: none;
  border-radius: 50%;
  width: 34px;
  height: 34px;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  color: #6843b1;
  transition: background 0.2s;
}
.popup-close:hover { background: #e6dfff; }

.popup-header { margin-bottom: 20px; }

.popup-badge {
  display: inline-block;
  background: linear-gradient(135deg, #6843b1, #9b6fe0);
  color: #fff;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: 50px;
  margin-bottom: 10px;
}

.popup-title {
  font-size: 1.35rem;
  font-weight: 700;
  color: #1a1040;
  line-height: 1.3;
  margin-bottom: 6px;
}

.popup-subtitle {
  font-size: 0.87rem;
  color: #64748b;
  line-height: 1.55;
}

.popup-form { display: flex; flex-direction: column; gap: 14px; }

.popup-field { display: flex; flex-direction: column; gap: 5px; }

.popup-field label {
  font-size: 0.82rem;
  font-weight: 600;
  color: #374151;
}

.popup-field input[type="text"],
.popup-field input[type="tel"],
.popup-field input[type="email"] {
  padding: 10px 14px;
  border: 1.5px solid #e2e8f0;
  border-radius: 10px;
  font-size: 0.9rem;
  font-family: inherit;
  color: #1a1040;
  background: #f8f7ff;
  transition: border-color 0.2s, box-shadow 0.2s;
  outline: none;
}

.popup-field input:focus {
  border-color: #6843b1;
  box-shadow: 0 0 0 3px rgba(104, 67, 177, 0.1);
  background: #fff;
}

.popup-field input.popup-input-error {
  border-color: #ef4444;
}

.popup-error {
  font-size: 0.76rem;
  color: #ef4444;
  min-height: 14px;
}

.popup-checkbox-field { gap: 6px; }

.popup-checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  cursor: pointer;
  font-size: 0.8rem;
  color: #4b5563;
  line-height: 1.5;
}

.popup-checkbox-label input[type="checkbox"] { display: none; }

.popup-checkmark {
  flex-shrink: 0;
  width: 18px;
  height: 18px;
  border: 2px solid #d1d5db;
  border-radius: 5px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 1px;
  transition: border-color 0.2s, background 0.2s;
  background: #fff;
}

.popup-checkbox-label input[type="checkbox"]:checked + .popup-checkmark {
  background: #6843b1;
  border-color: #6843b1;
}

.popup-checkbox-label input[type="checkbox"]:checked + .popup-checkmark::after {
  content: '';
  display: block;
  width: 5px;
  height: 9px;
  border: 2px solid #fff;
  border-top: none;
  border-left: none;
  transform: rotate(45deg) translateY(-1px);
}

.popup-submit {
  margin-top: 4px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-size: 0.95rem;
}

.popup-submit.loading { opacity: 0.75; pointer-events: none; }

.popup-success {
  display: none;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: #f0fdf4;
  border: 1.5px solid #bbf7d0;
  border-radius: 10px;
  padding: 12px 16px;
  font-size: 0.88rem;
  font-weight: 600;
  color: #16a34a;
  text-align: center;
}

.popup-success.show { display: flex; }

.popup-trust {
  margin-top: 14px;
  font-size: 0.75rem;
  color: #94a3b8;
  text-align: center;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 5px;
}

@media (max-width: 480px) {
  .popup-modal { padding: 28px 20px 22px; }
  .popup-title { font-size: 1.15rem; }
}