/* Debt Free Genius — debtfreegenius.com */
/* Palette: navy #1A2B4C · green #2E8B57 · amber #F2A93B · off-white #FAF7F2 · charcoal #242424 */

:root {
  --navy: #1A2B4C;
  --navy-deep: #12203A;
  --green: #2E8B57;
  --green-bright: #3DA56B;
  --amber: #F2A93B;
  --amber-dark: #DD9425;
  --cream: #FAF7F2;
  --cream-dim: #F1ECE3;
  --ink: #242424;
  --ink-soft: #4A5261;
  --line: #E4DED2;
  --radius: 14px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { animation: none !important; transition: none !important; }
}

body {
  font-family: "Inter", -apple-system, "Segoe UI", Arial, sans-serif;
  background: var(--cream);
  color: var(--ink);
  line-height: 1.65;
  font-size: 17px;
}

h1, h2, h3, .display {
  font-family: "Bricolage Grotesque", "Inter", sans-serif;
  line-height: 1.15;
  color: var(--navy);
  letter-spacing: -0.01em;
}

a { color: var(--green); }
img, svg { display: block; }

.wrap { max-width: 1120px; margin: 0 auto; padding: 0 24px; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(250, 247, 242, 0.94);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}
.site-header .wrap {
  display: flex; align-items: center; justify-content: space-between;
  height: 76px;
}
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.brand svg { width: 42px; height: 42px; }
.brand-name {
  font-family: "Bricolage Grotesque", sans-serif;
  font-weight: 700; font-size: 22px; letter-spacing: -0.01em;
}
.brand-name .w1 { color: var(--navy); }
.brand-name .w2 { color: var(--green); }

.nav-links { display: flex; align-items: center; gap: 28px; }
.nav-links a.nav-item {
  color: var(--navy); text-decoration: none; font-weight: 500; font-size: 15.5px;
}
.nav-links a.nav-item:hover { color: var(--green); }

.btn {
  display: inline-block;
  background: var(--amber);
  color: var(--navy);
  font-weight: 700;
  font-family: "Bricolage Grotesque", sans-serif;
  text-decoration: none;
  padding: 13px 26px;
  border-radius: 999px;
  font-size: 16px;
  transition: background .15s ease, transform .15s ease;
}
.btn:hover { background: var(--amber-dark); transform: translateY(-1px); }
.btn:focus-visible { outline: 3px solid var(--navy); outline-offset: 2px; }
.btn.btn-lg { padding: 17px 38px; font-size: 18px; }
.btn.btn-ghost {
  background: transparent; color: var(--cream);
  border: 1.5px solid rgba(250,247,242,.4);
}
.btn.btn-ghost:hover { border-color: var(--cream); background: rgba(250,247,242,.08); }

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-deep) 100%);
  color: var(--cream);
  position: relative;
  overflow: hidden;
}
.hero .wrap {
  position: relative;
  display: grid;
  grid-template-columns: 1.1fr .9fr;
  gap: 48px;
  align-items: center;
  padding-top: 18px;
  padding-bottom: 52px;
}
.hero h1 {
  color: var(--cream);
  font-size: clamp(38px, 5vw, 58px);
  font-weight: 700;
  margin-bottom: 20px;
}
.hero h1 .accent { color: var(--green-bright); }
.hero p.lede {
  font-size: 19px; color: rgba(250,247,242,.85);
  max-width: 52ch; margin-bottom: 32px;
}
.hero-art { justify-self: center; }
.hero-art img { width: min(400px, 78vw); height: auto; filter: drop-shadow(0 18px 40px rgba(0,0,0,.35)); }

.trust-strip {
  display: flex; flex-wrap: wrap; gap: 12px; margin-top: 36px;
}
.chip {
  display: inline-flex; align-items: center; gap: 8px;
  border: 1px solid rgba(250,247,242,.25);
  border-radius: 999px;
  padding: 8px 16px;
  font-size: 14.5px; color: rgba(250,247,242,.92);
}
.chip .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--amber); }

/* ---------- Sections ---------- */
section { padding: 84px 0; }
.section-alt { background: #FFFFFF; }
.eyebrow {
  font-family: "Bricolage Grotesque", sans-serif;
  text-transform: uppercase; letter-spacing: .16em;
  font-size: 13px; font-weight: 600; color: var(--green);
  margin-bottom: 12px;
}
.section-title { font-size: clamp(28px, 3.6vw, 40px); margin-bottom: 14px; }
.section-sub { color: var(--ink-soft); max-width: 62ch; margin-bottom: 44px; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.step {
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px 22px;
}
.section-alt .step { background: var(--cream); }
.step .num {
  font-family: "Bricolage Grotesque", sans-serif;
  font-weight: 800; font-size: 15px; color: var(--navy);
  background: var(--amber);
  width: 34px; height: 34px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
}
.step h3 { font-size: 19px; margin-bottom: 8px; }
.step p { font-size: 15.5px; color: var(--ink-soft); }

/* Debt types grid */
.types { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.type {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 18px 20px; font-weight: 600; color: var(--navy); font-size: 16px;
  display: flex; align-items: center; gap: 10px;
}
.type .tick { color: var(--green); font-weight: 800; }

/* Options comparison */
.options { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.option {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 28px 26px;
}
.option h3 { font-size: 21px; margin-bottom: 10px; }
.option p { font-size: 15.5px; color: var(--ink-soft); margin-bottom: 14px; }
.option ul { list-style: none; }
.option li {
  font-size: 15px; color: var(--ink-soft);
  padding-left: 22px; position: relative; margin-bottom: 8px;
}
.option li::before {
  content: "•"; color: var(--amber); font-weight: 800;
  position: absolute; left: 6px;
}

/* Why us */
.why { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }
.why-card {
  background: var(--cream); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 26px;
  display: flex; gap: 18px; align-items: flex-start;
}
.why-card .mark {
  flex: 0 0 auto; width: 44px; height: 44px; border-radius: 12px;
  background: var(--navy); color: var(--amber);
  display: flex; align-items: center; justify-content: center;
  font-family: "Bricolage Grotesque", sans-serif; font-weight: 800; font-size: 20px;
}
.why-card h3 { font-size: 19px; margin-bottom: 6px; }
.why-card p { font-size: 15.5px; color: var(--ink-soft); }

/* FAQ */
.faq { max-width: 780px; }
details {
  background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius); margin-bottom: 12px;
  padding: 0;
}
details summary {
  cursor: pointer; list-style: none;
  font-family: "Bricolage Grotesque", sans-serif;
  font-weight: 600; font-size: 17.5px; color: var(--navy);
  padding: 20px 52px 20px 24px;
  position: relative;
}
details summary::-webkit-details-marker { display: none; }
details summary::after {
  content: "+"; position: absolute; right: 22px; top: 16px;
  font-size: 24px; color: var(--green); font-weight: 400;
}
details[open] summary::after { content: "–"; }
details .answer { padding: 0 24px 22px; color: var(--ink-soft); font-size: 15.5px; }

/* Final CTA */
.cta-band {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-deep) 100%);
  color: var(--cream);
  text-align: center;
  border-radius: 0;
}
.cta-band h2 { color: var(--cream); font-size: clamp(28px, 3.6vw, 42px); margin-bottom: 14px; }
.cta-band p { color: rgba(250,247,242,.85); max-width: 56ch; margin: 0 auto 32px; }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy-deep); color: rgba(250,247,242,.78);
  padding: 64px 0 40px; font-size: 14.5px;
}
.footer-top {
  display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 40px;
  padding-bottom: 40px; border-bottom: 1px solid rgba(250,247,242,.14);
}
.site-footer .brand-name { font-size: 20px; }
.site-footer .brand-name .w1 { color: var(--cream); }
.site-footer .brand-name .w2 { color: var(--green-bright); }
.site-footer h4 {
  font-family: "Bricolage Grotesque", sans-serif;
  color: var(--cream); font-size: 15px; letter-spacing: .08em;
  text-transform: uppercase; margin-bottom: 14px;
}
.site-footer ul { list-style: none; }
.site-footer li { margin-bottom: 9px; }
.site-footer a { color: rgba(250,247,242,.78); text-decoration: none; }
.site-footer a:hover { color: var(--amber); }
.disclosures {
  padding-top: 32px; font-size: 12.5px; line-height: 1.7;
  color: rgba(250,247,242,.55);
}
.footer-legal {
  margin-top: 26px; display: flex; flex-wrap: wrap; gap: 8px 22px;
  align-items: center; color: rgba(250,247,242,.7);
}

/* ---------- Legal pages ---------- */
.legal-page { max-width: 820px; margin: 0 auto; padding: 72px 24px 96px; }
.legal-page h1 { font-size: clamp(30px, 4vw, 42px); margin-bottom: 8px; }
.legal-page .effective { color: var(--ink-soft); margin-bottom: 40px; font-size: 15px; }
.legal-page h2 { font-size: 22px; margin: 40px 0 12px; }
.legal-page p, .legal-page li { color: var(--ink-soft); font-size: 15.5px; margin-bottom: 14px; }
.legal-page ul { padding-left: 24px; margin-bottom: 14px; }
.legal-page li { margin-bottom: 8px; }

/* ---------- Responsive ---------- */
@media (max-width: 920px) {
  .hero .wrap { grid-template-columns: 1fr; padding-top: 18px; padding-bottom: 46px; }
  .hero-art { order: -1; }
  .hero-art img { width: min(280px, 70vw); }
  .steps, .types { grid-template-columns: repeat(2, 1fr); }
  .options { grid-template-columns: 1fr; }
  .why { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; gap: 28px; }
  .nav-links a.nav-item { display: none; }
  section { padding: 60px 0; }
}
@media (max-width: 540px) {
  .steps, .types { grid-template-columns: 1fr; }
  .site-header .wrap { height: 68px; }
  .brand-name { font-size: 18px; }
  .brand svg { width: 34px; height: 34px; }
  .btn { padding: 11px 20px; font-size: 15px; }
}