/* Personal Debt Relief — static build */
:root{
  --background:#ffffff;
  --foreground:#0f1419;
  --ink:#0f1419;
  --surface:#f5f3ee;
  --surface-dark:#0b1118;
  --card:#ffffff;
  --muted-foreground:#6b6b6b;
  --gold:#c8a24a;
  --border:rgba(15,20,25,0.12);
}
*{box-sizing:border-box;border-color:var(--border);margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  background:var(--background);color:var(--foreground);
  font-family:"Inter",system-ui,sans-serif;-webkit-font-smoothing:antialiased;line-height:1.5;
}
h1,h2,h3,h4,h5{font-family:"Oswald","Barlow Condensed",system-ui,sans-serif;letter-spacing:-.005em;font-weight:700}
a{color:inherit;text-decoration:none}
img{display:block;max-width:100%;height:auto}
button{font:inherit;color:inherit;background:none;border:none;cursor:pointer}
ul{list-style:none}
::selection{background:var(--gold);color:#0b1118}

/* Tokens */
.text-gold{color:var(--gold)}
.bg-gold{background:var(--gold)}
.bg-ink{background:var(--ink)}
.text-ink{color:var(--ink)}
.bg-surface{background:var(--surface)}
.bg-surface-dark{background:var(--surface-dark)}
.bg-background{background:var(--background)}
.bg-card{background:var(--card)}
.text-white{color:#fff}
.text-foreground{color:var(--foreground)}
.text-muted{color:var(--muted-foreground)}
.font-display{font-family:"Oswald","Barlow Condensed",system-ui,sans-serif}
.micro-label{font-family:"Oswald",sans-serif;font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.22em;color:var(--gold)}
.dot-pattern{background-image:radial-gradient(circle at 1px 1px,rgba(255,255,255,.18) 1px,transparent 0);background-size:24px 24px}

/* Container */
.container{max-width:1280px;margin:0 auto;padding:0 1.5rem}
.section{padding:5rem 0}
@media(min-width:1024px){.section{padding:7rem 0}}

/* Layout helpers */
.flex{display:flex}.grid{display:grid}.block{display:block}.inline-flex{display:inline-flex}.hidden{display:none}
.items-center{align-items:center}.items-start{align-items:flex-start}.items-end{align-items:flex-end}
.justify-center{justify-content:center}.justify-between{justify-content:space-between}
.flex-col{flex-direction:column}.flex-wrap{flex-wrap:wrap}.flex-1{flex:1}.shrink-0{flex-shrink:0}
.gap-2{gap:.5rem}.gap-3{gap:.75rem}.gap-4{gap:1rem}.gap-5{gap:1.25rem}.gap-6{gap:1.5rem}.gap-8{gap:2rem}.gap-10{gap:2.5rem}.gap-12{gap:3rem}
.text-center{text-align:center}.relative{position:relative}.absolute{position:absolute}.sticky{position:sticky}.fixed{position:fixed}
.inset-0{inset:0}.overflow-hidden{overflow:hidden}.w-full{width:100%}.max-w-md{max-width:28rem}.max-w-2xl{max-width:42rem}.max-w-3xl{max-width:48rem}.max-w-4xl{max-width:56rem}.mx-auto{margin-left:auto;margin-right:auto}
.uppercase{text-transform:uppercase}.tracking-wide{letter-spacing:.05em}.tracking-tight{letter-spacing:-.02em}
.leading-tight{line-height:1.15}.leading-snug{line-height:1.3}.leading-relaxed{line-height:1.7}
.opacity-25{opacity:.25}.opacity-55{opacity:.55}
.border{border-width:1px;border-style:solid;border-color:var(--border)}
.border-gold{border-color:var(--gold)}
.shadow-xl{box-shadow:0 20px 25px -5px rgba(0,0,0,.1),0 10px 10px -5px rgba(0,0,0,.04)}
.shadow-2xl{box-shadow:0 25px 50px -12px rgba(0,0,0,.25)}

/* Spacing utilities used */
.p-5{padding:1.25rem}.p-6{padding:1.5rem}.p-8{padding:2rem}.p-10{padding:2.5rem}.p-12{padding:3rem}
.px-4{padding-left:1rem;padding-right:1rem}.px-5{padding-left:1.25rem;padding-right:1.25rem}.px-6{padding-left:1.5rem;padding-right:1.5rem}.px-8{padding-left:2rem;padding-right:2rem}
.py-2{padding-top:.5rem;padding-bottom:.5rem}.py-3{padding-top:.75rem;padding-bottom:.75rem}.py-4{padding-top:1rem;padding-bottom:1rem}.py-5{padding-top:1.25rem;padding-bottom:1.25rem}.py-6{padding-top:1.5rem;padding-bottom:1.5rem}.py-14{padding-top:3.5rem;padding-bottom:3.5rem}
.mt-1{margin-top:.25rem}.mt-2{margin-top:.5rem}.mt-3{margin-top:.75rem}.mt-5{margin-top:1.25rem}.mt-6{margin-top:1.5rem}.mt-7{margin-top:1.75rem}.mt-8{margin-top:2rem}.mt-9{margin-top:2.25rem}.mt-10{margin-top:2.5rem}.mt-14{margin-top:3.5rem}.mb-4{margin-bottom:1rem}.mb-14{margin-bottom:3.5rem}
.space-y-3 > * + *{margin-top:.75rem}.space-y-4 > * + *{margin-top:1rem}.space-y-7 > * + *{margin-top:1.75rem}.space-y-8 > * + *{margin-top:2rem}

/* Type scale */
.text-xs{font-size:.75rem}.text-sm{font-size:.875rem}.text-base{font-size:1rem}.text-lg{font-size:1.125rem}.text-xl{font-size:1.25rem}.text-2xl{font-size:1.5rem}.text-3xl{font-size:1.875rem}.text-4xl{font-size:2.25rem;line-height:1.05}.text-5xl{font-size:3rem;line-height:1}.text-6xl{font-size:3.75rem;line-height:1}.text-7xl{font-size:4.5rem;line-height:.95}
.font-bold{font-weight:700}.font-semibold{font-weight:600}.font-extrabold{font-weight:800}.font-light{font-weight:300}
.italic{font-style:italic}

/* Grids */
.grid-2{display:grid;grid-template-columns:repeat(1,1fr);gap:1.5rem}
.grid-3{display:grid;grid-template-columns:repeat(1,1fr);gap:1.5rem}
.grid-4{display:grid;grid-template-columns:repeat(1,1fr);gap:1.5rem}
@media(min-width:768px){
  .grid-2,.grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}
}
@media(min-width:1024px){
  .grid-3{grid-template-columns:repeat(3,1fr)}
  .grid-4{grid-template-columns:repeat(4,1fr)}
}

/* Cards */
.card{background:#fff;border:1px solid var(--border);padding:2rem;transition:border-color .2s,box-shadow .2s;position:relative;overflow:hidden}
.card:hover{border-color:var(--gold);box-shadow:0 25px 50px -12px rgba(0,0,0,.18)}
.card-icon{width:40px;height:40px;color:var(--gold);stroke-width:1.5}
.card h3{margin-top:1.25rem;font-size:1.5rem;text-transform:uppercase}
.card p{margin-top:.75rem;color:var(--muted-foreground);font-size:.875rem;line-height:1.6}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:.75rem;padding:1rem 2rem;font-family:"Oswald",sans-serif;font-size:.8125rem;font-weight:700;text-transform:uppercase;letter-spacing:.2em;transition:all .2s;border:1px solid transparent;cursor:pointer}
.btn-gold{background:var(--gold);color:var(--ink)}
.btn-gold:hover{background:#fff}
.btn-dark{background:var(--surface-dark);color:#fff}
.btn-dark:hover{background:#000}
.btn-outline-white{border-color:rgba(255,255,255,.4);color:#fff}
.btn-outline-white:hover{border-color:var(--gold);color:var(--gold)}
.btn-outline-ink{border-color:var(--ink);color:var(--ink)}
.btn-outline-ink:hover{background:var(--ink);color:#fff}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:var(--surface-dark);color:#fff;box-shadow:0 10px 15px -3px rgba(0,0,0,.1)}
.top-bar{display:none;border-bottom:1px solid rgba(255,255,255,.1);font-size:11px;color:rgba(255,255,255,.7)}
.top-bar .container{display:flex;justify-content:space-between;align-items:center;padding-top:.5rem;padding-bottom:.5rem}
.top-bar a{display:inline-flex;align-items:center;gap:.5rem}
.top-bar a:hover{color:#fff}
.mobile-bar{display:flex;justify-content:space-between;align-items:center;padding:.75rem 1rem}
.mobile-bar .icon-btn{width:44px;height:44px;display:inline-flex;align-items:center;justify-content:center;border:2px solid var(--gold);border-radius:9999px;color:#fff;transition:all .2s}
.mobile-bar .icon-btn:hover{background:var(--gold);color:var(--ink)}
.mobile-bar img{height:56px;width:auto}
.desktop-nav{display:none}
.desktop-nav nav{display:flex;align-items:stretch}
.desktop-nav nav a{display:inline-flex;align-items:center;padding:0 1.25rem;font-family:"Oswald",sans-serif;font-size:.875rem;font-weight:600;text-transform:uppercase;letter-spacing:.05em;color:rgba(255,255,255,.85);transition:all .2s}
.desktop-nav nav a:hover{background:rgba(255,255,255,.05);color:var(--gold)}
.desktop-nav nav a.active{background:var(--gold);color:var(--ink)}
.desktop-nav .cta-btn{margin-left:1rem;background:var(--gold);color:var(--ink);padding:0 1.5rem;display:inline-flex;align-items:center;font-family:"Oswald",sans-serif;font-size:.875rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em}
.desktop-nav .cta-btn:hover{background:#fff}
.mobile-drawer{display:none;border-top:1px solid rgba(255,255,255,.1);background:var(--surface-dark);padding:.5rem 1rem}
.mobile-drawer.open{display:block}
.mobile-drawer a{display:block;padding:1rem 0;border-bottom:1px solid rgba(255,255,255,.1);font-family:"Oswald",sans-serif;font-weight:600;font-size:.875rem;text-transform:uppercase;letter-spacing:.05em;color:rgba(255,255,255,.9)}
.mobile-drawer .cta-mob{margin-top:.75rem;display:flex;justify-content:center;background:var(--gold);color:var(--ink);padding:1rem 0;border:none}

@media(min-width:1024px){
  .top-bar{display:block}
  .mobile-bar{display:none}
  .desktop-nav{display:flex;align-items:stretch;justify-content:space-between;gap:1.5rem;max-width:1280px;margin:0 auto;padding:0 1.5rem}
  .desktop-nav > a{display:flex;align-items:center;padding:.75rem 0}
  .desktop-nav > a img{height:80px;width:auto}
}

/* Hero */
.hero{position:relative;background:var(--surface-dark);color:#fff;overflow:hidden}
.hero-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.55}
.hero-overlay{position:absolute;inset:0;background:linear-gradient(to bottom,rgba(11,17,24,.85),rgba(11,17,24,.55) 50%,rgba(11,17,24,.95))}
@media(min-width:1024px){.hero-overlay{background:linear-gradient(to right,var(--surface-dark),rgba(11,17,24,.8) 50%,rgba(11,17,24,.2))}}
.hero-inner{position:relative;padding:5rem 1.5rem 2.5rem}
@media(min-width:1024px){.hero-inner{padding:8rem 1.5rem 6rem;max-width:1280px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;align-items:center}}
.hero h1{font-family:"Oswald",sans-serif;font-size:2.5rem;font-weight:800;text-transform:uppercase;line-height:.95;letter-spacing:-.02em;color:#fff}
@media(min-width:768px){.hero h1{font-size:4rem}}
@media(min-width:1024px){.hero h1{font-size:5rem}}
.hero p.lead{margin-top:1.75rem;max-width:32rem;color:rgba(255,255,255,.78);line-height:1.6;font-size:1rem}
@media(min-width:1024px){.hero p.lead{font-size:1.125rem}}

/* Service marquee */
.marquee-band{position:relative;z-index:10;border-top:4px solid var(--gold);background:rgba(11,17,24,.95);backdrop-filter:blur(8px)}
.marquee-band .container{padding-top:1.5rem;padding-bottom:1.5rem;display:flex;flex-direction:column;gap:1rem}
@media(min-width:768px){.marquee-band .container{flex-direction:row;align-items:center;gap:1.5rem}}
.marquee-wrap{flex:1;overflow:hidden;mask-image:linear-gradient(to right,transparent,#000 4%,#000 96%,transparent);-webkit-mask-image:linear-gradient(to right,transparent,#000 4%,#000 96%,transparent)}
@media(min-width:768px){.marquee-wrap{border-left:1px solid rgba(255,255,255,.1);padding-left:1.5rem}}
.marquee-track{display:flex;width:max-content;gap:.5rem;animation:marquee 40s linear infinite}
.marquee-track:hover{animation-play-state:paused}
.chip{flex-shrink:0;display:inline-flex;align-items:center;gap:.5rem;border:1px solid rgba(200,162,74,.4);background:rgba(255,255,255,.04);padding:.5rem 1rem;font-family:"Oswald",sans-serif;font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.16em;color:rgba(255,255,255,.9)}
.chip::before{content:"";display:inline-block;width:4px;height:4px;border-radius:50%;background:var(--gold)}
@keyframes marquee{from{transform:translateX(0)}to{transform:translateX(-50%)}}

/* Section heading */
.section-heading{max-width:42rem;margin:0 auto;text-align:center}
.section-heading h2{margin-top:.75rem;font-size:2.25rem;font-weight:700;text-transform:uppercase}
@media(min-width:768px){.section-heading h2{font-size:3rem}}
.section-heading p{margin-top:1.25rem;color:var(--muted-foreground)}

/* Dark band (Credit Builder feature, Values, PageHero) */
.dark-band{position:relative;background:var(--surface-dark);color:#fff;overflow:hidden;padding:5rem 0}
@media(min-width:1024px){.dark-band{padding:7rem 0}}
.dark-band .dot-pattern,.dark-band .glow{position:absolute;inset:0}
.dark-band .dot-pattern{opacity:.2}
.dark-band .glow{background:radial-gradient(circle at 80% 50%,rgba(200,162,74,.18),transparent 55%)}
.dark-band .container{position:relative}
.dark-band h2{font-family:"Oswald",sans-serif;font-size:2.25rem;text-transform:uppercase;line-height:.95}
@media(min-width:1024px){.dark-band h2{font-size:3.75rem}}
.stat-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1px;background:rgba(255,255,255,.1)}
.stat-grid > div{background:var(--surface-dark);padding:2rem}
@media(min-width:1024px){.stat-grid > div{padding:2.5rem}}
.stat-grid .k{font-family:"Oswald",sans-serif;font-weight:700;font-size:3rem;color:var(--gold)}
@media(min-width:1024px){.stat-grid .k{font-size:3.75rem}}
.stat-grid .v{margin-top:.75rem;color:rgba(255,255,255,.75);font-size:.875rem;line-height:1.3}

/* Process steps */
.steps-grid{margin-top:3.5rem;display:grid;grid-template-columns:1fr;background:var(--border);gap:1px;border:1px solid var(--border)}
@media(min-width:768px){.steps-grid{grid-template-columns:repeat(3,1fr)}}
.step{background:var(--background);padding:2.5rem}
@media(min-width:1024px){.step{padding:3rem}}
.step .n{font-family:"Oswald",sans-serif;font-size:3rem;font-weight:700;color:var(--gold)}
.step h3{margin-top:1.5rem;font-family:"Oswald",sans-serif;font-size:1.5rem;text-transform:uppercase}
.step p{margin-top:.75rem;color:var(--muted-foreground);font-size:.875rem;line-height:1.6}

/* CTA Strip */
.cta-strip{background:var(--gold);color:var(--ink);padding:3.5rem 0}
.cta-strip .container{display:flex;flex-direction:column;align-items:center;gap:1.5rem;text-align:center}
@media(min-width:1024px){.cta-strip .container{flex-direction:row;justify-content:space-between;text-align:left}}
.cta-strip h2{font-family:"Oswald",sans-serif;font-size:1.875rem;text-transform:uppercase}
@media(min-width:768px){.cta-strip h2{font-size:2.25rem}}

/* Footer */
.site-footer{background:var(--ink);color:#fff}
.site-footer .grid{display:grid;grid-template-columns:1fr;gap:3rem;padding:5rem 1.5rem}
@media(min-width:1024px){.site-footer .grid{grid-template-columns:1.5fr 1fr 1fr 1fr;padding:5rem 3rem}}
.site-footer .brand{font-family:"Oswald",sans-serif;font-weight:300;font-size:1.875rem;line-height:1.15;max-width:28rem}
@media(min-width:768px){.site-footer .brand{font-size:2.25rem}}
.site-footer .brand .accent{color:var(--gold);font-style:italic}
.site-footer .micro-label{color:rgba(255,255,255,.4);margin-bottom:1rem;display:block}
.site-footer a:hover{color:var(--gold)}
.site-footer .small{border-top:1px solid rgba(255,255,255,.1);padding:1.5rem;display:flex;flex-direction:column;gap:1rem;justify-content:space-between;font-size:.75rem;color:rgba(255,255,255,.4);padding-bottom:6rem}
@media(min-width:768px){.site-footer .small{flex-direction:row;align-items:center;padding-bottom:1.5rem}}

/* WhatsApp FAB */
.wa-fab{position:fixed;bottom:1.5rem;right:1.5rem;z-index:50;display:flex;align-items:center;justify-content:center;width:56px;height:56px;border-radius:9999px;background:#25D366;color:#fff;box-shadow:0 20px 25px -5px rgba(0,0,0,.25);transition:transform .2s}
.wa-fab:hover{transform:scale(1.1)}

/* Form */
.contact-form{position:relative;overflow:hidden;background:var(--surface-dark);color:#fff;border-top:4px solid var(--gold);padding:2rem;box-shadow:0 25px 50px -12px rgba(0,0,0,.25)}
@media(min-width:640px){.contact-form{padding:2.5rem}}
@media(min-width:1024px){.contact-form{padding:3rem}}
.contact-form .field{display:flex;flex-direction:column;gap:.5rem;position:relative}
.contact-form label{font-family:"Oswald",sans-serif;font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.22em;color:rgba(200,162,74,.9)}
.contact-form input,.contact-form select,.contact-form textarea{
  width:100%;border:none;border-bottom:1px solid rgba(255,255,255,.15);background:transparent;padding:.25rem 0 .75rem;font-size:1rem;font-weight:300;color:#fff;outline:none;font-family:inherit;transition:border-color .2s;
}
.contact-form input::placeholder,.contact-form textarea::placeholder{color:rgba(255,255,255,.3)}
.contact-form input:focus,.contact-form select:focus,.contact-form textarea:focus{border-color:var(--gold)}
.contact-form select{appearance:none;cursor:pointer}
.contact-form select option{background:var(--surface-dark);color:#fff}
.contact-form textarea{resize:none;font-family:inherit}
.form-grid-2{display:grid;gap:1.75rem;grid-template-columns:1fr}
@media(min-width:640px){.form-grid-2{grid-template-columns:1fr 1fr}}
.form-submit{position:relative;width:100%;display:inline-flex;align-items:center;justify-content:center;gap:.75rem;background:var(--gold);padding:1.25rem 2rem;font-family:"Oswald",sans-serif;font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.22em;color:var(--ink);transition:background .2s;border:none;cursor:pointer}
.form-submit:hover{background:#fff}
.form-submit:disabled{opacity:.8;cursor:not-allowed}
.form-msg{font-size:12px;margin-top:.5rem}
.form-msg.error{color:#fca5a5}
.form-msg.success{color:#86efac}

/* Accordion (faq) */
.faq dl{margin-top:3.5rem;border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.faq .faq-item{border-bottom:1px solid var(--border)}
.faq .faq-item:last-child{border-bottom:none}
.faq dt button{width:100%;display:flex;align-items:flex-start;justify-content:space-between;gap:1.5rem;padding:1.5rem 0;text-align:left;font-family:"Oswald",sans-serif;font-size:1rem;font-weight:700;text-transform:uppercase;color:var(--foreground);transition:color .2s;cursor:pointer;border:none;background:none}
@media(min-width:768px){.faq dt button{font-size:1.125rem}}
.faq dt button:hover{color:var(--gold)}
.faq .icon-toggle{flex-shrink:0;margin-top:.25rem;width:32px;height:32px;border:1px solid var(--border);display:inline-flex;align-items:center;justify-content:center;transition:all .2s}
.faq dt button:hover .icon-toggle{border-color:var(--gold);color:var(--gold)}
.faq dd{padding:0 0 1.5rem;margin-top:-.5rem;color:var(--muted-foreground);line-height:1.6;max-width:48rem;display:none}
.faq .faq-item.open dd{display:block}
.faq .faq-item.open .icon-plus{display:none}
.faq .faq-item:not(.open) .icon-minus{display:none}

/* Quote blockquote */
.quote{border-left:4px solid var(--gold);background:var(--surface);padding:1.5rem}
.quote p{font-family:"Oswald",sans-serif;font-size:1.125rem;font-weight:700;text-transform:uppercase;line-height:1.3}

.quote-dark{position:relative;background:var(--surface-dark);color:#fff;padding:2.5rem;border-top:4px solid var(--gold);overflow:hidden}
@media(min-width:1024px){.quote-dark{padding:3rem}}
.quote-dark p.q{position:relative;font-family:"Oswald",sans-serif;font-size:1.5rem;font-weight:700;text-transform:uppercase;line-height:1.3}
@media(min-width:768px){.quote-dark p.q{font-size:1.875rem}}

/* Two-col layout helper */
.two-col{display:grid;gap:3rem;grid-template-columns:1fr}
@media(min-width:1024px){.two-col{grid-template-columns:1fr 1fr;gap:4rem;align-items:start}}

/* Channel cards (contact page) */
.channel{display:flex;align-items:center;gap:1.25rem;border:1px solid var(--border);background:var(--card);padding:1.25rem;transition:all .2s}
.channel:hover{border-color:var(--gold);box-shadow:0 20px 25px -5px rgba(0,0,0,.1)}
.channel .icon-wrap{display:inline-flex;width:48px;height:48px;align-items:center;justify-content:center;border:1px solid var(--border);background:var(--surface);color:var(--gold);flex-shrink:0;transition:border-color .2s}
.channel:hover .icon-wrap{border-color:var(--gold)}
.channel .label{font-family:"Oswald",sans-serif;font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.22em;color:var(--muted-foreground);display:block}
.channel .val{display:block;margin-top:.25rem;font-family:"Oswald",sans-serif;font-size:1rem;font-weight:700;color:var(--foreground);transition:color .2s}
@media(min-width:768px){.channel .val{font-size:1.125rem}}
.channel:hover .val{color:var(--gold)}

/* "For whom" cards */
.forwhom{position:relative;border:1px solid var(--border);background:var(--card);padding:2rem;overflow:hidden;transition:all .2s}
.forwhom:hover{border-color:var(--gold);box-shadow:0 25px 50px -12px rgba(0,0,0,.18)}
.forwhom .num{font-family:"Oswald",sans-serif;font-size:3rem;font-weight:700;color:var(--gold)}
.forwhom p{margin-top:1.5rem;font-size:1rem;line-height:1.6;color:var(--foreground)}

/* responsive helpers */
.lg-grid-2{display:grid;grid-template-columns:1fr;gap:3rem}
@media(min-width:1024px){.lg-grid-2{grid-template-columns:1.2fr 1fr;gap:3rem;align-items:center}}

/* hidden/show breakpoints */
.lg-hidden{display:block}
.lg-block{display:none}
@media(min-width:1024px){.lg-hidden{display:none}.lg-block{display:block}}

/* spacer */
.h-divider{height:6px;width:100%;background:var(--gold);margin-top:3rem}