/* ==========================================================================
   My Debt Solution — Design tokens
   Palette: ink navy / deep teal (relief, trust) / warm brass (reassurance)
   Type: Fraunces (display) + Manrope (body/UI)
   Signature: breathing concentric rings + balance-scale motif
   ========================================================================== */

:root{
  --ink:        #0F2731;
  --ink-soft:   #294854;
  --paper:      #F6F4EE;
  --paper-dim:  #EDE9DF;
  --surface:    #FFFFFF;
  --teal:       #0E6B5C;
  --teal-deep:  #0A4F45;
  --teal-tint:  #E3EFE9;
  --brass:      #C08A34;
  --brass-tint: #F4E6C9;
  --line:       #DCD6C7;
  --line-soft:  rgba(15,39,49,0.10);
  --error:      #B3452F;

  --font-display: 'Fraunces', 'Iowan Old Style', serif;
  --font-body: 'Manrope', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --radius-s: 8px;
  --radius-m: 14px;
  --radius-l: 26px;

  --shadow-card: 0 1px 2px rgba(15,39,49,0.06), 0 12px 32px -16px rgba(15,39,49,0.22);
  --shadow-pop:  0 24px 60px -20px rgba(15,39,49,0.35);

  --ease: cubic-bezier(.22,.85,.32,1);
}

@media (prefers-reduced-motion: reduce){
  *, *::before, *::after{ animation-duration: 0.001ms !important; animation-iteration-count: 1 !important; transition-duration: 0.001ms !important; scroll-behavior: auto !important; }
}

*{ box-sizing: border-box; }
html{ scroll-behavior: smooth; }
body{
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  line-height: 1.5;
}
img, svg{ display:block; max-width:100%; }
a{ color: inherit; text-decoration: none; }
h1,h2,h3,h4{ font-family: var(--font-display); font-weight: 600; margin: 0 0 .5em; line-height: 1.12; color: var(--ink); }
p{ margin: 0 0 1em; color: var(--ink-soft); }
ul{ margin:0; padding:0; list-style:none; }
button{ font-family: inherit; }

:focus-visible{
  outline: 2.5px solid var(--teal);
  outline-offset: 3px;
  border-radius: 4px;
}

.wrap{
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  /* padding: 0 28px; */
}

.eyebrow{
  font-size: 13px;
  font-weight: 700;
  letter-spacing: .09em;
  text-transform: uppercase;
  color: var(--teal-deep);
  margin: 0 0 .8em;
}
.eyebrow-light{ color: var(--brass); }

/* ---------- Buttons ---------- */
.btn{
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 15px 28px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 15.5px;
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: transform .2s var(--ease), box-shadow .2s var(--ease), background .2s var(--ease);
  white-space: nowrap;
}
.btn-primary{
  background: var(--teal);
  color: #fff;
  box-shadow: 0 10px 24px -10px rgba(14,107,92,.55);
}
.btn-primary:hover{ background: var(--teal-deep); transform: translateY(-1px); }
.btn-ghost{
  background: transparent;
  color: var(--ink);
  border-color: var(--line);
}
.btn-ghost:hover{ border-color: var(--ink); }
.btn-ghost-light{
  background: transparent;
  color: #fff;
  border-color: rgba(255,255,255,.4);
}
.btn-ghost-light:hover{ border-color: #fff; }
.btn-small{ padding: 10px 20px; font-size: 14px; }
.btn-full{ width: 100%; }

.text-link{
  display: inline-block;
  font-weight: 700;
  color: var(--teal-deep);
  border-bottom: 1.5px solid var(--brass);
  padding-bottom: 2px;
}

/* ---------- Header ---------- */
.site-header{
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(246,244,238,.88);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line-soft);
}
.header-inner{
  display: flex;
  align-items: center;
  gap: 24px;
  height: 76px;
}
.logo{ display: flex; align-items: center; gap: 10px; margin-right: auto; }
.logo-text{
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 600;
  color: var(--ink);
}
.logo-text em{ font-style: normal; color: var(--teal); }

.ring{ fill: none; stroke: var(--teal); }
.ring-1{ stroke-opacity: .35; }
.ring-2{ stroke-opacity: .6; }
.ring-3{ fill: var(--teal); stroke: none; }

.main-nav{ display: flex; gap: 30px; }
.main-nav a{
  font-size: 15px;
  font-weight: 600;
  color: var(--ink-soft);
  transition: color .15s;
}
.main-nav a:hover{ color: var(--teal-deep); }

.header-cta{ display: flex; align-items: center; gap: 18px; }
.phone-link{
  display: flex; align-items: center; gap: 7px;
  font-weight: 700; font-size: 14.5px; color: var(--ink);
}

.nav-toggle{
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none; border: none; cursor: pointer; padding: 6px;
}
.nav-toggle span{ width: 22px; height: 2px; background: var(--ink); border-radius: 2px; }

/* ---------- Hero ---------- */
.hero{
  position: relative;
  overflow: hidden;
  padding: 64px 0 88px;
}
.hero-rings{
  position: absolute;
  top: -140px; right: -160px;
  width: 620px; height: 620px;
  pointer-events: none;
}
.hero-ring{
  position: absolute;
  inset: 0;
  border-radius: 50%;
  border: 1px solid var(--teal);
  opacity: .16;
  animation: breathe 7s var(--ease) infinite;
}
.hero-ring.r1{ inset: 60px; animation-delay: 0s; }
.hero-ring.r2{ inset: 130px; opacity:.22; animation-delay: .9s; }
.hero-ring.r3{ inset: 200px; opacity:.28; animation-delay: 1.8s; }
.hero-ring.r4{ inset: 270px; opacity:.34; animation-delay: 2.7s; border-color: var(--brass);}
@keyframes breathe{
  0%, 100%{ transform: scale(1); opacity: .16; }
  50%{ transform: scale(1.06); opacity: .32; }
}

.hero-grid{
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 56px;
  align-items: start;
  position: relative;
}

.hero-copy{ padding-top: 20px; }
.hero-copy h1{
  font-size: clamp(36px, 4.6vw, 56px);
  letter-spacing: -0.01em;
}
.hl{ color: var(--teal-deep); font-style: italic; }
.hero-lede{
  font-size: 18px;
  max-width: 52ch;
  color: var(--ink-soft);
}
.hero-points{ margin: 26px 0 32px; display: flex; flex-direction: column; gap: 12px; }
.hero-points li{
  display: flex; align-items: flex-start; gap: 10px;
  font-weight: 600; font-size: 15.5px; color: var(--ink);
}
.dot{
  flex: none;
  width: 8px; height: 8px; margin-top: 7px;
  border-radius: 50%;
  background: var(--brass);
}
.hero-actions{ display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 18px; }
.hero-disclaimer{ font-size: 12.5px; color: var(--ink-soft); opacity: .75; max-width: 46ch; }

/* ---------- Hero form card ---------- */
.hero-form-card{
  background: var(--surface);
  border-radius: var(--radius-l);
  padding: 34px 32px;
  box-shadow: var(--shadow-pop);
  border: 1px solid var(--line-soft);
  scroll-margin-top: 100px;
}
.form-card-head h2{ font-size: 24px; margin-bottom: .25em; }
.form-card-head p{ font-size: 14.5px; margin-bottom: 22px; }

.field{ margin-bottom: 16px; display: flex; flex-direction: column; }
.field-row{ display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
label{ font-size: 13.5px; font-weight: 700; margin-bottom: 6px; color: var(--ink); }
.optional{ font-weight: 500; color: var(--ink-soft); }

input[type="text"], input[type="email"], input[type="tel"], input[type="number"], select, textarea{
  font-family: var(--font-body);
  font-size: 15px;
  padding: 12px 14px;
  border: 1.5px solid var(--line);
  border-radius: var(--radius-s);
  background: var(--paper);
  color: var(--ink);
  width: 100%;
  transition: border-color .15s, background .15s;
}
input::placeholder, textarea::placeholder{ color: #9AA6A2; }
input:focus, select:focus, textarea:focus{
  border-color: var(--teal);
  background: #fff;
  outline: none;
}
textarea{ resize: vertical; min-height: 70px; }

.prefixed-input{
  display: flex; align-items: center;
  border: 1.5px solid var(--line);
  border-radius: var(--radius-s);
  background: var(--paper);
  overflow: hidden;
}
.prefixed-input span{ padding: 0 0 0 14px; color: var(--ink-soft); font-weight: 700; }
.prefixed-input input{ border: none; background: transparent; }
.prefixed-input:focus-within{ border-color: var(--teal); background:#fff; }

select{ appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='9'%3E%3Cpath d='M1 1l6 6 6-6' stroke='%23294854' stroke-width='1.6' fill='none' fill-rule='evenodd'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 34px; }

.error{ font-size: 12.5px; color: var(--error); min-height: 16px; margin-top: 4px; display:block; }

.consent{
  display: flex; align-items: flex-start; gap: 10px;
  font-size: 12.5px; color: var(--ink-soft); font-weight: 500;
  margin: 6px 0 18px;
  cursor: pointer;
}
.consent input{ margin-top: 3px; accent-color: var(--teal); flex: none; }

.btn-spinner{
  width: 16px; height: 16px;
  border: 2px solid rgba(255,255,255,.4);
  border-top-color: #fff;
  border-radius: 50%;
  display: none;
  animation: spin .7s linear infinite;
}
.submitting .btn-spinner{ display: inline-block; }
.submitting .btn-label{ opacity: .85; }
@keyframes spin{ to{ transform: rotate(360deg); } }

.form-foot{ font-size: 12px; text-align: center; margin: 14px 0 0; color: var(--ink-soft); }
.form-foot a{ text-decoration: underline; }

.field.invalid input, .field.invalid select, .field.invalid textarea{ border-color: var(--error); background: #FBF0EC; }

/* ---------- Trust strip ---------- */
.trust-strip{
  background: var(--teal-deep);
  padding: 22px 0;
}
.trust-inner{
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 18px;
}
.trust-item{
  color: #EAF3EF;
  font-size: 14px;
  font-weight: 600;
}
.trust-item strong{
  font-family: var(--font-display);
  font-size: 18px;
  color: var(--brass-tint);
  margin-right: 6px;
}

/* ---------- Sections generic ---------- */
.section{ padding: 96px 0; }
.section-alt{ background: var(--paper-dim); }
.section-head{ max-width: 640px; margin-bottom: 48px; }
.section-head h2{ font-size: clamp(28px, 3.2vw, 40px); }
.section-sub{ font-size: 16.5px; }

/* ---------- Steps ---------- */
.steps{ display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.step-card{
  background: var(--surface);
  border: 1px solid var(--line-soft);
  border-radius: var(--radius-m);
  padding: 32px 26px;
  box-shadow: var(--shadow-card);
}
.step-num{
  display: inline-block;
  font-family: var(--font-display);
  font-size: 15px;
  font-weight: 600;
  color: var(--brass);
  letter-spacing: .05em;
  margin-bottom: 14px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--brass-tint);
}
.step-card h3{ font-size: 20px; }
.step-card p{ font-size: 15px; margin: 0; }

/* ---------- IVA explained / scale ---------- */
.iva-grid{
  display: grid;
  grid-template-columns: 1fr .9fr;
  gap: 60px;
  align-items: center;
}
.iva-copy p{ font-size: 16px; }
.iva-visual{ display: flex; justify-content: center; }
.scale-svg{ width: 100%; max-width: 380px; }
.scale-post, .scale-base{ stroke: var(--ink-soft); stroke-width: 3; stroke-linecap: round; }
.beam-line{ stroke: var(--teal-deep); stroke-width: 4; stroke-linecap: round; }
.beam-string{ stroke: var(--ink-soft); stroke-width: 2; }
.pan{ fill: var(--teal-tint); stroke: var(--teal); stroke-width: 2; }
.pan-right{ fill: var(--brass-tint); stroke: var(--brass); }
.pan-label{ font-family: var(--font-body); font-size: 13px; font-weight: 700; text-anchor: middle; fill: var(--ink-soft); }
.scale-pivot{ fill: var(--ink); }
.scale-beam{
  transform-origin: 210px 90px;
  animation: tilt 5s var(--ease) infinite alternate;
}
@keyframes tilt{
  0%{ transform: rotate(-5deg); }
  100%{ transform: rotate(3deg); }
}

/* ---------- Help cards ---------- */
.help-cards{ display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.help-card{
  padding: 30px 24px;
  border-radius: var(--radius-m);
  background: var(--surface);
  border: 1px solid var(--line-soft);
  transition: transform .2s var(--ease), box-shadow .2s var(--ease);
}
.help-card:hover{ transform: translateY(-4px); box-shadow: var(--shadow-card); }
.help-icon{
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--teal-tint);
  color: var(--teal-deep);
  display: flex; align-items: center; justify-content: center;
  font-size: 18px; margin-bottom: 16px;
}
.help-card h3{ font-size: 18px; }
.help-card p{ font-size: 14.5px; margin: 0; }

/* ---------- Eligibility (dark) ---------- */
.section-dark{
  background: var(--ink);
  color: #fff;
}
.section-dark h2{ color: #fff; }
.elig-grid{
  display: grid;
  grid-template-columns: 1.1fr .9fr;
  gap: 56px;
  align-items: center;
}
.elig-list{ display: flex; flex-direction: column; gap: 14px; margin: 24px 0 32px; }
.elig-list li{
  position: relative;
  padding-left: 30px;
  font-size: 16px;
  font-weight: 500;
  color: #E4E9E7;
}
.elig-list li::before{
  content: "";
  position: absolute; left: 0; top: 5px;
  width: 18px; height: 18px;
  border-radius: 5px;
  background: var(--brass);
}
.elig-stat{ display: flex; flex-direction: column; gap: 22px; }
.stat-card{
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.14);
  border-radius: var(--radius-m);
  padding: 26px;
}
.stat-num{
  display: block;
  font-family: var(--font-display);
  font-size: 40px;
  font-weight: 600;
  color: var(--brass-tint);
}
.stat-label{ font-size: 14px; color: #C4CFCB; }

/* ---------- Debts / chips ---------- */
.chip-grid{ display: flex; flex-wrap: wrap; gap: 12px; }
.chip{
  padding: 10px 20px;
  border-radius: 999px;
  border: 1.5px solid var(--line);
  font-size: 14.5px;
  font-weight: 600;
  color: var(--ink-soft);
  background: var(--surface);
  transition: border-color .15s, color .15s;
}
.chip:hover{ border-color: var(--teal); color: var(--teal-deep); }

/* ---------- Know grid ---------- */
.know-grid{ display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.know-card{
  background: var(--surface);
  border-left: 3px solid var(--brass);
  border-radius: 0 var(--radius-s) var(--radius-s) 0;
  padding: 22px 22px;
  box-shadow: var(--shadow-card);
}
.know-card h3{ font-size: 16px; margin-bottom: .4em; }
.know-card p{ font-size: 13.8px; margin: 0; }

/* ---------- FAQ ---------- */
.faq-wrap{ max-width: 820px; }
.accordion-item{ border-bottom: 1px solid var(--line); }
.accordion-trigger{
  width: 100%;
  display: flex; align-items: center; justify-content: space-between;
  gap: 16px;
  padding: 22px 4px;
  background: none; border: none;
  text-align: left;
  font-family: var(--font-display);
  font-size: 18px;
  font-weight: 600;
  color: var(--ink);
  cursor: pointer;
}
.acc-icon{
  flex: none;
  font-size: 22px;
  font-weight: 400;
  color: var(--teal);
  transition: transform .25s var(--ease);
}
.accordion-trigger[aria-expanded="true"] .acc-icon{ transform: rotate(45deg); }
.accordion-panel{
  max-height: 0;
  overflow: hidden;
  transition: max-height .3s var(--ease);
}
.accordion-panel p{ padding: 0 4px 22px; font-size: 15px; max-width: 68ch; }

/* ---------- Final CTA ---------- */
.final-cta{
  background: linear-gradient(135deg, var(--teal-deep), var(--teal));
  padding: 90px 0;
  text-align: center;
}
.final-cta-inner h2{ color: #fff; font-size: clamp(28px,3.4vw,42px); }
.final-cta-inner p{ color: #DCEAE4; font-size: 17px; max-width: 46ch; margin: 0 auto 28px; }
.final-cta-actions{ display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }
.final-cta .btn-primary{ background: #fff; color: var(--teal-deep); box-shadow: none; }
.final-cta .btn-primary:hover{ background: var(--brass-tint); }

/* ---------- Footer ---------- */
.site-footer{ background: var(--ink); color: #C4CFCB; padding: 64px 0 32px; }
.footer-grid{
  display: grid;
  grid-template-columns: 1.4fr .8fr .8fr;
  gap: 40px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,.12);
}
.footer-brand .logo-text{ color: #fff; }
.footer-brand .logo-text em{ color: var(--brass-tint); }
.footer-brand p{ color: #9FADA8; font-size: 14px; max-width: 32ch; }
.footer-contact a{ color: #E4E9E7; font-weight: 600; }
.footer-col h4{ color: #fff; font-family: var(--font-body); font-size: 14px; text-transform: uppercase; letter-spacing: .07em; margin-bottom: 16px; }
.footer-col a{ display: block; font-size: 14.5px; color: #9FADA8; margin-bottom: 12px; }
.footer-col a:hover{ color: #fff; }
.footer-legal{ padding-top: 28px; }
.footer-legal p{ font-size: 12px; color: #7F8D89; line-height: 1.7; }
.footer-legal a{ color: #A9C4BB; text-decoration: underline; }
.footer-copy{ margin-top: 14px; }

/* ---------- Sticky mobile CTA ---------- */
.sticky-cta{
  display: none;
  position: fixed;
  left: 0; right: 0; bottom: 0;
  z-index: 60;
  padding: 12px 16px calc(12px + env(safe-area-inset-bottom));
  background: rgba(246,244,238,.95);
  backdrop-filter: blur(10px);
  border-top: 1px solid var(--line);
}

/* ==========================================================================
   Responsive
   ========================================================================== */
@media (max-width: 980px){
  .hero-grid{ grid-template-columns: 1fr; }
  .iva-grid{ grid-template-columns: 1fr; }
  .iva-visual{ order: -1; }
  .elig-grid{ grid-template-columns: 1fr; }
  .steps{ grid-template-columns: 1fr; }
  .help-cards{ grid-template-columns: repeat(2, 1fr); }
  .know-grid{ grid-template-columns: repeat(2, 1fr); }
  .footer-grid{ grid-template-columns: 1fr 1fr; }

  .main-nav{
    display: none;
    position: absolute;
    top: 76px; left: 0; right: 0;
    flex-direction: column;
    gap: 0;
    background: var(--surface);
    border-bottom: 1px solid var(--line);
    padding: 8px 28px 20px;
  }
  .main-nav.nav-open{ display: flex; }
  .main-nav a{ padding: 12px 0; border-bottom: 1px solid var(--line-soft); }
  .nav-toggle{ display: flex; }
}

@media (max-width: 720px){
  .header-cta .phone-link{ display: none; }
  .nav-toggle{ display: flex; }
  .hero{ padding: 40px 0 60px; }
  .hero-rings{ width: 420px; height: 420px; top: -100px; right: -180px; }
  .field-row{ grid-template-columns: 1fr; }
  .help-cards{ grid-template-columns: 1fr; }
  .know-grid{ grid-template-columns: 1fr; }
  .footer-grid{ grid-template-columns: 1fr; }
  .sticky-cta{ display: block; }
  .section{ padding: 64px 0; }
  body{ padding-bottom: 78px; }
}