/* =========================================================
   SafePath Debt Solutions — Design System
   Navy (trust) · Freedom Blue (structure) · Heart Red (accent, sparing) · Dove (base)
   ========================================================= */

:root{
  --navy: #0B1F3A;
  --navy-700: #142c4e;
  --navy-600: #1c3a63;
  --freedom: #1E3A8A;
  --freedom-600: #2947a3;
  --red: #B22234;
  --red-600: #9c1d2c;
  --dove: #F5F5F5;
  --white: #FFFFFF;
  --ink: #14213D;
  --ink-soft: #4A5568;
  --line: #E3E7EE;
  --success-bg: #EEF3EC;

  --font-display: "Sora", "Poppins", system-ui, sans-serif;
  --font-body: "Poppins", system-ui, -apple-system, sans-serif;

  --radius-sm: 10px;
  --radius-md: 16px;
  --radius-lg: 24px;
  --radius-pill: 999px;

  --shadow-sm: 0 2px 8px rgba(11,31,58,0.06);
  --shadow-md: 0 8px 24px rgba(11,31,58,0.08);
  --shadow-lg: 0 20px 48px rgba(11,31,58,0.12);

  --container: 1180px;
  --nav-h: 84px;
}

*,*::before,*::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
body{
  margin:0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing:antialiased;
  line-height:1.6;
}
img{ max-width:100%; display:block; }
a{ color:inherit; text-decoration:none; }
ul{ margin:0; padding:0; list-style:none; }
button{ font-family:inherit; cursor:pointer; }
h1,h2,h3,h4{
  font-family: var(--font-display);
  color: var(--navy);
  margin:0 0 .5em;
  line-height:1.15;
  font-weight:700;
  letter-spacing:-0.01em;
}
p{ margin:0 0 1em; color: var(--ink-soft); }
.container{
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

/* Focus visibility */
a:focus-visible, button:focus-visible, input:focus-visible, textarea:focus-visible, select:focus-visible{
  outline: 3px solid var(--freedom);
  outline-offset: 2px;
  border-radius: 4px;
}

@media (prefers-reduced-motion: reduce){
  *{ animation-duration: 0.01ms !important; animation-iteration-count: 1 !important; transition-duration: 0.01ms !important; scroll-behavior:auto !important; }
}

/* Skip link */
.skip-link{
  position:absolute; left:-9999px; top:0; background:var(--navy); color:var(--white);
  padding:12px 20px; z-index:2000; border-radius: 0 0 8px 0;
}
.skip-link:focus{ left:0; }

/* Eyebrow label */
.eyebrow{
  display:inline-flex; align-items:center; gap:8px;
  font-family: var(--font-display);
  font-size:.75rem; font-weight:700; letter-spacing:.14em; text-transform:uppercase;
  color: var(--freedom);
  margin-bottom:14px;
}
.eyebrow::before{
  content:""; width:20px; height:2px; background: var(--red); border-radius:2px;
}

/* ============ Top bar (compliance strip) ============ */
.topbar{
  background: var(--navy);
  color: rgba(255,255,255,.85);
  font-size:.82rem;
}
.topbar .container{
  display:flex; align-items:center; justify-content:space-between;
  padding-top:8px; padding-bottom:8px; gap:16px; flex-wrap:wrap;
}
.topbar a{ color:#fff; }
.topbar-links{ display:flex; gap:20px; }
.topbar-links a:hover{ text-decoration:underline; }

/* ============ Navigation ============ */
.site-header{
  position: sticky; top:0; z-index:1000;
  background: rgba(255,255,255,.92);
  backdrop-filter: saturate(180%) blur(10px);
  border-bottom:1px solid var(--line);
}
.nav{
  height: var(--nav-h);
  display:flex; align-items:center; justify-content:space-between;
}
.brand{ display:flex; align-items:center; gap:12px; }
.brand img{ height:42px; width:auto; }
.brand-word{ font-family: var(--font-display); font-weight:700; font-size:1.15rem; color:var(--navy); letter-spacing:.02em; }

.nav-links{ display:flex; align-items:center; gap:22px; }
.nav-links a{
  font-size:.88rem; font-weight:600; color: var(--navy);
  padding:8px 2px; position:relative; white-space:nowrap;
}
.nav-links a::after{
  content:""; position:absolute; left:0; right:0; bottom:0; height:2px;
  background: var(--red); transform: scaleX(0); transform-origin:left;
  transition: transform .25s ease;
}
.nav-links a:hover::after, .nav-links a[aria-current="page"]::after{ transform: scaleX(1); }
.nav-links a[aria-current="page"]{ color: var(--red); }

.nav-cta{ display:flex; align-items:center; gap:14px; }

.nav-toggle{
  display:none; background:none; border:2px solid var(--navy); border-radius:8px;
  width:44px; height:40px; align-items:center; justify-content:center;
}
.nav-toggle span, .nav-toggle span::before, .nav-toggle span::after{
  content:""; display:block; width:20px; height:2px; background:var(--navy); position:relative; transition:.2s;
}
.nav-toggle span::before{ position:absolute; top:-7px; }
.nav-toggle span::after{ position:absolute; top:7px; }

/* ============ Buttons ============ */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:8px;
  font-family: var(--font-display); font-weight:600; font-size:.95rem;
  padding:14px 26px; border-radius: var(--radius-pill);
  border:2px solid transparent; transition: transform .18s ease, box-shadow .18s ease, background .18s ease, color .18s ease;
  white-space:nowrap;
}
.btn:hover{ transform: translateY(-2px); }
.btn-primary{ background: var(--red); color:#fff; box-shadow: var(--shadow-sm); }
.btn-primary:hover{ background: var(--red-600); box-shadow: var(--shadow-md); }
.btn-secondary{ background:transparent; border-color: var(--navy); color: var(--navy); }
.btn-secondary:hover{ background: var(--navy); color:#fff; }
.btn-ghost{ background: transparent; color: var(--navy); text-decoration:underline; padding:14px 8px; }
.btn-block{ width:100%; }
.btn-sm{ padding:10px 18px; font-size:.85rem; }
.btn-on-dark.btn-secondary{ border-color: rgba(255,255,255,.5); color:#fff; }
.btn-on-dark.btn-secondary:hover{ background:#fff; color:var(--navy); }

/* ============ Hero ============ */
.hero{
  position:relative;
  background: linear-gradient(180deg, var(--navy) 0%, var(--navy-700) 100%);
  color:#fff;
  overflow:hidden;
}
.hero::before{
  content:"";
  position:absolute; inset:0;
  background:
    radial-gradient(680px 420px at 88% -10%, rgba(30,58,138,.55), transparent 60%),
    radial-gradient(520px 360px at 100% 100%, rgba(178,34,52,.18), transparent 55%);
  pointer-events:none;
}
.hero-inner{
  position:relative;
  display:grid; grid-template-columns: 1.1fr .9fr; gap:56px; align-items:center;
  padding: 96px 0 80px;
}
.hero h1{ color:#fff; font-size: clamp(2.2rem, 4vw, 3.3rem); }
.hero p.lead{ color: rgba(255,255,255,.82); font-size:1.15rem; max-width:52ch; }
.hero-actions{ display:flex; gap:16px; flex-wrap:wrap; margin-top:28px; }
.hero-stats{ display:flex; gap:36px; margin-top:48px; flex-wrap:wrap; }
.hero-stat b{ display:block; font-family:var(--font-display); font-size:1.6rem; color:#fff; }
.hero-stat span{ font-size:.82rem; color:rgba(255,255,255,.65); }

.hero-card{
  background: rgba(255,255,255,.06);
  border:1px solid rgba(255,255,255,.16);
  border-radius: var(--radius-lg);
  padding:32px;
  backdrop-filter: blur(6px);
}
.hero-card-badge{
  display:inline-flex; align-items:center; gap:8px; background:rgba(255,255,255,.1);
  border-radius: var(--radius-pill); padding:8px 14px; font-size:.78rem; font-weight:600; margin-bottom:18px;
}
.hero-card-badge .dot{ width:8px; height:8px; border-radius:50%; background:#5FE3A1; }
.hero-journey-step{
  display:flex; gap:14px; padding:14px 0; border-bottom:1px solid rgba(255,255,255,.12);
}
.hero-journey-step:last-child{ border-bottom:none; }
.hero-journey-step .num{
  width:30px; height:30px; border-radius:50%; background:rgba(255,255,255,.1);
  display:flex; align-items:center; justify-content:center; font-size:.8rem; font-weight:700; flex-shrink:0;
}
.hero-journey-step strong{ display:block; font-size:.92rem; }
.hero-journey-step p{ margin:2px 0 0; font-size:.82rem; color:rgba(255,255,255,.65); }

/* Page (interior) hero — lighter */
.page-hero{
  background: var(--dove);
  border-bottom:1px solid var(--line);
  padding: 64px 0 56px;
}
.page-hero h1{ font-size: clamp(1.9rem, 3.2vw, 2.6rem); }
.page-hero .lead{ max-width:65ch; font-size:1.08rem; }
.breadcrumb{ font-size:.85rem; color:var(--ink-soft); margin-bottom:18px; }
.breadcrumb a{ color:var(--freedom); font-weight:600; }

/* ============ Sections ============ */
section{ padding: 88px 0; }
.section-tight{ padding: 56px 0; }
.section-alt{ background: var(--dove); }
.section-navy{ background: var(--navy); color:#fff; }
.section-navy h2, .section-navy h3{ color:#fff; }
.section-navy p{ color: rgba(255,255,255,.75); }
.section-head{ max-width: 720px; margin-bottom:48px; }
.section-head.center{ margin-left:auto; margin-right:auto; text-align:center; }
.section-head h2{ font-size: clamp(1.7rem, 2.6vw, 2.3rem); }

/* ============ Grids & Cards ============ */
.grid{ display:grid; gap:28px; }
.grid-2{ grid-template-columns: repeat(2,1fr); }
.grid-3{ grid-template-columns: repeat(3,1fr); }
.grid-4{ grid-template-columns: repeat(4,1fr); }

.card{
  background:#fff; border:1px solid var(--line); border-radius: var(--radius-md);
  padding:32px; box-shadow: var(--shadow-sm); transition: box-shadow .2s ease, transform .2s ease;
}
.card:hover{ box-shadow: var(--shadow-md); transform: translateY(-3px); }
.card-icon{
  width:52px; height:52px; border-radius:14px; background: var(--dove);
  display:flex; align-items:center; justify-content:center; margin-bottom:18px; color: var(--freedom);
}
.card h3{ font-size:1.15rem; }
.card p{ font-size:.95rem; margin-bottom:0; }
.card .tag{
  display:inline-block; font-size:.72rem; font-weight:700; letter-spacing:.06em; text-transform:uppercase;
  color: var(--red); margin-bottom:10px;
}

/* Timeline / process */
.timeline{ position:relative; }
.timeline::before{
  content:""; position:absolute; left:23px; top:0; bottom:0; width:2px; background: var(--line);
}
.t-step{ position:relative; display:flex; gap:24px; padding-bottom:40px; }
.t-step:last-child{ padding-bottom:0; }
.t-step .num{
  position:relative; z-index:1; flex-shrink:0; width:48px; height:48px; border-radius:50%;
  background: var(--navy); color:#fff; display:flex; align-items:center; justify-content:center;
  font-family:var(--font-display); font-weight:700;
}
.t-step h3{ font-size:1.1rem; margin-bottom:6px; }
.t-step p{ margin-bottom:0; }

/* FAQ accordion */
.accordion-item{ border-bottom:1px solid var(--line); }
.accordion-item:first-child{ border-top:1px solid var(--line); }
.accordion-trigger{
  width:100%; text-align:left; background:none; border:none; padding:22px 4px;
  display:flex; align-items:center; justify-content:space-between; gap:20px;
  font-family: var(--font-display); font-weight:600; font-size:1.02rem; color: var(--navy);
}
.accordion-trigger .plus{
  flex-shrink:0; width:28px; height:28px; border-radius:50%; border:2px solid var(--freedom);
  display:flex; align-items:center; justify-content:center; position:relative; transition: transform .25s ease;
}
.accordion-trigger .plus::before, .accordion-trigger .plus::after{
  content:""; position:absolute; background: var(--freedom);
}
.accordion-trigger .plus::before{ width:12px; height:2px; }
.accordion-trigger .plus::after{ width:2px; height:12px; }
.accordion-item[data-open="true"] .plus{ transform: rotate(135deg); }
.accordion-panel{
  max-height:0; overflow:hidden; transition: max-height .3s ease;
}
.accordion-panel-inner{ padding: 0 4px 22px; }
.accordion-panel-inner p{ margin-bottom:0; }

/* Testimonials */
.testimonial-card{
  background:#fff; border:1px solid var(--line); border-radius: var(--radius-md);
  padding:30px; box-shadow: var(--shadow-sm);
}
.testimonial-quote{ font-size:1.02rem; color: var(--ink); margin-bottom:20px; }
.testimonial-person{ display:flex; align-items:center; gap:12px; }
.avatar{
  width:44px; height:44px; border-radius:50%; background: var(--navy);
  color:#fff; display:flex; align-items:center; justify-content:center; font-family:var(--font-display); font-weight:700; font-size:.9rem;
}
.testimonial-person strong{ display:block; font-size:.92rem; color:var(--navy); }
.testimonial-person span{ font-size:.8rem; color: var(--ink-soft); }
.stars{ color:var(--red); letter-spacing:2px; margin-bottom:10px; font-size:.9rem; }

/* Stat strip */
.stat-strip{ display:flex; flex-wrap:wrap; gap:40px; justify-content:space-between; }
.stat-strip .stat b{ font-family:var(--font-display); font-size:2rem; display:block; color:var(--navy); }
.stat-strip .stat span{ color:var(--ink-soft); font-size:.9rem; }
.section-navy .stat-strip .stat b{ color:#fff; }

/* CTA band */
.cta-band{
  background: var(--freedom);
  background: linear-gradient(120deg, var(--navy) 0%, var(--freedom) 100%);
  border-radius: var(--radius-lg);
  padding:56px; color:#fff;
  display:flex; align-items:center; justify-content:space-between; gap:32px; flex-wrap:wrap;
}
.cta-band h2{ color:#fff; margin-bottom:8px; font-size:1.7rem; }
.cta-band p{ color: rgba(255,255,255,.82); margin-bottom:0; }

/* Notice / disclosure boxes */
.notice{
  border-left:4px solid var(--freedom); background: var(--dove);
  border-radius: var(--radius-sm); padding:20px 24px; font-size:.92rem; color: var(--ink-soft);
}
.notice strong{ color: var(--navy); }
.notice.notice-red{ border-left-color: var(--red); }

/* Form */
.form-grid{ display:grid; grid-template-columns:1fr 1fr; gap:20px; }
.field{ display:flex; flex-direction:column; gap:8px; }
.field.full{ grid-column: 1 / -1; }
.field label{ font-size:.85rem; font-weight:600; color: var(--navy); }
.field input, .field select, .field textarea{
  border:1.5px solid var(--line); border-radius: var(--radius-sm); padding:13px 16px;
  font-family: var(--font-body); font-size:.95rem; color: var(--ink); background:#fff;
}
.field input:focus, .field select:focus, .field textarea:focus{ border-color: var(--freedom); outline:none; }
.field .hint{ font-size:.78rem; color: var(--ink-soft); }
.checkline{ display:flex; gap:10px; align-items:flex-start; font-size:.85rem; color: var(--ink-soft); }
.checkline input{ margin-top:3px; }

/* Legal page layout */
.legal-layout{ grid-template-columns: 220px 1fr; }
@media (max-width: 860px){
  .legal-layout{ grid-template-columns: 1fr; }
  .legal-layout aside{ position:static !important; }
}

/* Table (used in legal pages) */
.legal-table{ width:100%; border-collapse:collapse; margin:20px 0; font-size:.92rem; }
.legal-table th, .legal-table td{ text-align:left; padding:12px 16px; border:1px solid var(--line); }
.legal-table th{ background: var(--dove); color: var(--navy); font-family:var(--font-display); }

/* Article / resource list */
.article-card{ display:flex; flex-direction:column; height:100%; }
.article-card .thumb{
  border-radius: var(--radius-md) var(--radius-md) 0 0; height:160px;
  background: linear-gradient(135deg, var(--navy), var(--freedom));
  display:flex; align-items:center; justify-content:center; color:#fff;
}
.article-card .body{ background:#fff; border:1px solid var(--line); border-top:none; border-radius:0 0 var(--radius-md) var(--radius-md); padding:24px; flex:1; display:flex; flex-direction:column; }
.article-card .meta{ font-size:.75rem; text-transform:uppercase; letter-spacing:.08em; color: var(--red); font-weight:700; margin-bottom:8px; }
.article-card .read-more{ margin-top:auto; font-weight:600; color: var(--freedom); font-size:.9rem; }

/* Trust bar */
.trust-bar{ display:flex; flex-wrap:wrap; gap:14px; justify-content:center; }
.trust-pill{
  display:flex; align-items:center; gap:8px; background:#fff; border:1px solid var(--line);
  border-radius: var(--radius-pill); padding:10px 18px; font-size:.85rem; font-weight:600; color: var(--navy);
}

/* ============ Footer ============ */
.site-footer{ background: var(--navy); color: rgba(255,255,255,.7); padding-top:72px; }
.footer-top{ display:grid; grid-template-columns: 1.4fr 1fr 1fr 1fr 1.2fr; gap:32px; padding-bottom:56px; }
.footer-brand img{ height:40px; margin-bottom:16px; filter:brightness(0) invert(1); }
.footer-brand p{ color: rgba(255,255,255,.6); font-size:.9rem; max-width:32ch; }
.footer-col h4{ color:#fff; font-family:var(--font-display); font-size:.85rem; letter-spacing:.06em; text-transform:uppercase; margin-bottom:18px; }
.footer-col ul li{ margin-bottom:12px; }
.footer-col a{ color: rgba(255,255,255,.68); font-size:.9rem; }
.footer-col a:hover{ color:#fff; text-decoration:underline; }
.footer-social{ display:flex; gap:12px; margin-top:18px; }
.footer-social a{
  width:38px; height:38px; border-radius:50%; border:1px solid rgba(255,255,255,.25);
  display:flex; align-items:center; justify-content:center;
}
.footer-social a:hover{ background:#fff; color: var(--navy); }
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.14); padding:24px 0 32px;
  display:flex; justify-content:space-between; gap:16px; flex-wrap:wrap; font-size:.8rem; color: rgba(255,255,255,.55);
}
.footer-bottom .legal-links{ display:flex; gap:20px; flex-wrap:wrap; }
.footer-disclaimer{
  border-top:1px solid rgba(255,255,255,.1); padding:24px 0; font-size:.76rem; color: rgba(255,255,255,.45); line-height:1.7;
}

/* ============ Utility ============ */
.mt-0{ margin-top:0; } .mb-0{ margin-bottom:0; }
.text-center{ text-align:center; }
.center-col{ max-width:760px; margin:0 auto; }
.small{ font-size:.85rem; color: var(--ink-soft); }
.divider{ height:1px; background: var(--line); margin: 48px 0; }
.badge{
  display:inline-flex; align-items:center; gap:6px; background: var(--success-bg); color:#3B6B3F;
  border-radius: var(--radius-pill); padding:6px 14px; font-size:.78rem; font-weight:600;
}

/* Reveal on scroll */
.reveal{ opacity:0; transform: translateY(16px); transition: opacity .6s ease, transform .6s ease; }
.reveal.is-visible{ opacity:1; transform: translateY(0); }

/* ============ Responsive ============ */
@media (max-width: 980px){
  .hero-inner{ grid-template-columns:1fr; padding-top:56px; }
  .footer-top{ grid-template-columns: 1fr 1fr; }
  .grid-4{ grid-template-columns: repeat(2,1fr); }
  .grid-3{ grid-template-columns: repeat(2,1fr); }
}
@media (max-width: 720px){
  :root{ --nav-h:72px; }
  .topbar .container{ font-size:.74rem; justify-content:center; text-align:center; }
  .topbar-links{ display:none; }
  .nav-links, .nav-cta .btn-secondary{ display:none; }
  .nav-toggle{ display:flex; }
  .nav-cta{ gap:10px; }
  body.nav-open .nav-links{
    display:flex; flex-direction:column; align-items:flex-start; gap:0;
    position:absolute; top: var(--nav-h); left:0; right:0; background:#fff;
    border-bottom:1px solid var(--line); padding:8px 24px 20px; box-shadow: var(--shadow-md);
  }
  body.nav-open .nav-links a{ padding:14px 0; width:100%; border-bottom:1px solid var(--line); }
  .grid-2, .grid-3, .grid-4{ grid-template-columns:1fr; }
  .form-grid{ grid-template-columns:1fr; }
  .footer-top{ grid-template-columns:1fr 1fr; }
  section{ padding:64px 0; }
  .cta-band{ padding:36px 24px; flex-direction:column; text-align:center; }
  .stat-strip{ justify-content:center; text-align:center; }
}
@media (max-width: 480px){
  .footer-top{ grid-template-columns:1fr; }
}