/* ==========================================================================
   SafePath Debt Solutions — Design System
   Palette derived from brand mark: Navy #0B1F3A / Crimson #B22234
   ========================================================================== */

:root{
  /* Brand */
  --navy-950:#081527;
  --navy-900:#0B1F3A;
  --navy-800:#132B4D;
  --navy-700:#1D3A63;
  --navy-600:#2C4E7E;
  --navy-100:#E7ECF3;
  --navy-050:#F3F6FA;

  --crimson-700:#8E1B29;
  --crimson-600:#B22234;
  --crimson-500:#C93546;
  --crimson-100:#F7E4E6;

  --ink-900:#111826;
  --ink-700:#33404F;
  --ink-500:#5B6B7F;
  --ink-300:#8C9AAC;
  --ink-100:#DDE3EA;

  --paper:#FCFCFA;
  --paper-alt:#F5F6F4;
  --white:#FFFFFF;

  --gold-600:#A9862F;
  --gold-100:#F3ECD9;

  --ok-600:#276749;

  /* Type */
  --font-display:'Fraunces', 'Iowan Old Style', Georgia, serif;
  --font-body:'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-mono:'IBM Plex Mono', ui-monospace, SFMono-Regular, monospace;

  /* Layout */
  --max-w:1240px;
  --radius-sm:6px;
  --radius-md:10px;
  --radius-lg:18px;
  --shadow-sm:0 1px 2px rgba(11,31,58,.06), 0 1px 1px rgba(11,31,58,.04);
  --shadow-md:0 8px 24px -8px rgba(11,31,58,.18);
  --shadow-lg:0 24px 64px -16px rgba(11,31,58,.24);
  --ease:cubic-bezier(.22,.61,.36,1);
}

*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;}
@media (prefers-reduced-motion: reduce){
  html{scroll-behavior:auto;}
  *,*::before,*::after{animation-duration:.001ms !important;animation-iteration-count:1 !important;transition-duration:.001ms !important;scroll-behavior:auto !important;}
}
body{
  margin:0;
  font-family:var(--font-body);
  color:var(--ink-900);
  background:var(--paper);
  -webkit-font-smoothing:antialiased;
  line-height:1.55;
}
img{max-width:100%;display:block;}
a{color:inherit;text-decoration:none;}
ul{margin:0;padding:0;list-style:none;}
button{font:inherit;cursor:pointer;}
h1,h2,h3,h4{font-family:var(--font-display);font-weight:600;line-height:1.12;margin:0 0 .5em;color:var(--navy-900);letter-spacing:-.01em;}
h1{font-size:clamp(2.4rem,4.6vw,4rem);font-weight:560;}
h2{font-size:clamp(1.9rem,3.2vw,2.75rem);}
h3{font-size:clamp(1.25rem,1.8vw,1.55rem);}
p{margin:0 0 1em;color:var(--ink-700);}
.lede{font-size:1.2rem;color:var(--ink-700);max-width:60ch;}

:focus-visible{outline:2px solid var(--crimson-600);outline-offset:3px;border-radius:4px;}

.container{max-width:var(--max-w);margin:0 auto;padding:0 28px;}
.container-narrow{max-width:820px;margin:0 auto;padding:0 28px;}

section{padding:96px 0;}
.section-tight{padding:64px 0;}
@media (max-width:720px){
  section{padding:64px 0;}
}

.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  font-family:var(--font-mono);
  font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;
  color:var(--crimson-600);font-weight:600;margin-bottom:16px;
}
.eyebrow::before{content:"";width:22px;height:1px;background:var(--crimson-600);}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:14px 28px;border-radius:999px;font-weight:600;font-size:.95rem;
  border:1px solid transparent;transition:transform .25s var(--ease),box-shadow .25s var(--ease),background .2s,color .2s,border-color .2s;
  white-space:nowrap;
}
.btn-primary{background:var(--navy-900);color:#fff;box-shadow:var(--shadow-sm);}
.btn-primary:hover{background:var(--navy-800);box-shadow:var(--shadow-md);transform:translateY(-1px);}
.btn-outline{background:transparent;color:var(--navy-900);border-color:var(--navy-900);}
.btn-outline:hover{background:var(--navy-900);color:#fff;}
.btn-ghost{background:transparent;color:var(--navy-900);padding:14px 6px;}
.btn-ghost:hover{color:var(--crimson-600);}
.btn-crimson{background:var(--crimson-600);color:#fff;}
.btn-crimson:hover{background:var(--crimson-700);transform:translateY(-1px);box-shadow:var(--shadow-md);}
.btn-sm{padding:10px 20px;font-size:.85rem;}
.btn-block{width:100%;}

/* ---------- Header / Nav ---------- */
.site-header{
  position:sticky;top:0;z-index:100;
  background:rgba(252,252,250,.86);
  backdrop-filter:saturate(160%) blur(10px);
  -webkit-backdrop-filter:saturate(160%) blur(10px);
  border-bottom:1px solid var(--ink-100);
}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 0;}
.brand{display:flex;align-items:center;gap:10px;font-family:var(--font-display);font-weight:600;font-size:1.15rem;color:var(--navy-900);}
.brand img{height:36px;width:auto;}
.nav-links{display:flex;align-items:center;gap:2px;}
.nav-links a{
  padding:10px 14px;border-radius:8px;font-size:.92rem;font-weight:500;color:var(--ink-700);
  transition:color .2s,background .2s;position:relative;
}
.nav-links a:hover{color:var(--navy-900);background:var(--navy-050);}
.nav-links a.active{color:var(--navy-900);font-weight:600;}
.nav-cta{display:flex;align-items:center;gap:10px;}
.nav-phone{font-size:.88rem;color:var(--ink-500);display:flex;align-items:center;gap:6px;}
.nav-toggle{display:none;background:none;border:none;padding:8px;}
.nav-toggle span{display:block;width:22px;height:2px;background:var(--navy-900);margin:5px 0;transition:.25s;}

@media (max-width:960px){
  .nav-links{position:fixed;inset:66px 0 0 0;background:var(--paper);flex-direction:column;align-items:stretch;
    padding:12px 24px;gap:0;transform:translateY(-8px);opacity:0;pointer-events:none;transition:.25s var(--ease);
    border-top:1px solid var(--ink-100);overflow-y:auto;}
  .nav-links.open{transform:translateY(0);opacity:1;pointer-events:auto;}
  .nav-links a{padding:16px 4px;border-bottom:1px solid var(--ink-100);border-radius:0;}
  .nav-toggle{display:block;}
  .nav-phone{display:none;}
}

/* ---------- Hero ---------- */
.hero{position:relative;overflow:hidden;padding:88px 0 100px;background:var(--navy-900);color:#fff;}
.hero::before{
  content:"";position:absolute;inset:0;
  background:
    radial-gradient(720px 480px at 84% -8%, rgba(178,34,52,.20), transparent 60%),
    radial-gradient(900px 620px at -10% 110%, rgba(255,255,255,.06), transparent 55%);
  pointer-events:none;
}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:64px;align-items:center;position:relative;}
@media (max-width:980px){.hero-grid{grid-template-columns:1fr;gap:48px;}}
.hero h1{color:#fff;}
.hero .lede{color:rgba(255,255,255,.78);}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:32px;}
.hero .btn-outline{border-color:rgba(255,255,255,.4);color:#fff;}
.hero .btn-outline:hover{background:#fff;color:var(--navy-900);}
.hero-trust{display:flex;flex-wrap:wrap;gap:28px;margin-top:48px;padding-top:28px;border-top:1px solid rgba(255,255,255,.14);}
.hero-trust div{font-family:var(--font-mono);font-size:.72rem;letter-spacing:.08em;color:rgba(255,255,255,.55);text-transform:uppercase;}

/* Ledger panel — signature element */
.ledger{
  background:var(--white);border-radius:var(--radius-lg);
  box-shadow:var(--shadow-lg);color:var(--ink-900);overflow:hidden;
  border:1px solid rgba(255,255,255,.08);
}
.ledger-head{
  display:flex;align-items:center;justify-content:space-between;
  padding:20px 24px;border-bottom:1px solid var(--ink-100);
  font-family:var(--font-mono);font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-500);
}
.ledger-dot{width:8px;height:8px;border-radius:50%;background:var(--ok-600);display:inline-block;margin-right:6px;}
.ledger-row{
  display:flex;align-items:baseline;justify-content:space-between;
  padding:18px 24px;border-bottom:1px dashed var(--ink-100);
  font-size:.95rem;
}
.ledger-row:last-of-type{border-bottom:none;}
.ledger-row .label{color:var(--ink-500);}
.ledger-row .value{font-family:var(--font-mono);font-weight:600;color:var(--navy-900);}
.ledger-foot{background:var(--navy-050);padding:18px 24px;font-size:.8rem;color:var(--ink-500);}

/* ---------- Cards / Grid ---------- */
.grid{display:grid;gap:28px;}
.grid-3{grid-template-columns:repeat(3,1fr);}
.grid-2{grid-template-columns:repeat(2,1fr);}
.grid-4{grid-template-columns:repeat(4,1fr);}
@media (max-width:900px){.grid-3,.grid-4{grid-template-columns:repeat(2,1fr);}}
@media (max-width:640px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr;}}

.card{
  background:var(--white);border:1px solid var(--ink-100);border-radius:var(--radius-md);
  padding:32px;transition:box-shadow .3s var(--ease),transform .3s var(--ease),border-color .3s;
}
.card:hover{box-shadow:var(--shadow-md);transform:translateY(-3px);border-color:transparent;}
.card .icon{
  width:46px;height:46px;border-radius:10px;background:var(--navy-050);
  display:flex;align-items:center;justify-content:center;margin-bottom:20px;color:var(--navy-900);
}
.card h3{margin-bottom:10px;}
.card p{margin-bottom:0;font-size:.95rem;}
.card-link{display:inline-flex;align-items:center;gap:6px;margin-top:16px;font-size:.88rem;font-weight:600;color:var(--crimson-600);}

.pill{
  display:inline-block;padding:5px 12px;border-radius:999px;background:var(--navy-050);
  color:var(--navy-700);font-size:.76rem;font-weight:600;letter-spacing:.02em;
}

/* Section headers */
.section-head{max-width:680px;margin:0 0 56px;}
.section-head.center{margin-inline:auto;text-align:center;}

/* ---------- Bands ---------- */
.band-alt{background:var(--paper-alt);}
.band-navy{background:var(--navy-900);color:#fff;}
.band-navy h2,.band-navy h3{color:#fff;}
.band-navy p{color:rgba(255,255,255,.72);}

/* ---------- Stats ---------- */
.stat{text-align:left;}
.stat .num{font-family:var(--font-display);font-size:clamp(2.2rem,4vw,3.2rem);color:var(--navy-900);font-weight:600;}
.band-navy .stat .num{color:#fff;}
.stat .cap{font-family:var(--font-mono);font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-500);}
.band-navy .stat .cap{color:rgba(255,255,255,.55);}

/* ---------- Timeline (How It Works) ---------- */
.timeline{position:relative;padding-left:0;}
.tl-item{
  display:grid;grid-template-columns:64px 1fr;gap:28px;position:relative;padding-bottom:56px;
}
.tl-item:last-child{padding-bottom:0;}
.tl-marker{
  width:64px;height:64px;border-radius:50%;background:var(--white);border:2px solid var(--navy-900);
  display:flex;align-items:center;justify-content:center;font-family:var(--font-mono);font-weight:700;
  color:var(--navy-900);position:relative;z-index:1;flex-shrink:0;
}
.tl-item::before{
  content:"";position:absolute;left:31px;top:64px;bottom:-56px;width:2px;
  background:repeating-linear-gradient(to bottom,var(--ink-100) 0 6px,transparent 6px 12px);
}
.tl-item:last-child::before{display:none;}
.tl-body{padding-top:8px;}
.tl-body h3{margin-bottom:6px;}

/* ---------- Process (3-step / numbered) ---------- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:1px solid var(--ink-100);border-radius:var(--radius-md);overflow:hidden;background:#fff;}
.steps .step{padding:36px 32px;border-right:1px solid var(--ink-100);}
.steps .step:last-child{border-right:none;}
.steps .step .n{font-family:var(--font-mono);color:var(--crimson-600);font-weight:700;font-size:.85rem;margin-bottom:14px;display:block;}
@media (max-width:820px){.steps{grid-template-columns:1fr;}.steps .step{border-right:none;border-bottom:1px solid var(--ink-100);}.steps .step:last-child{border-bottom:none;}}

/* ---------- FAQ ---------- */
.faq-item{border-bottom:1px solid var(--ink-100);}
.faq-q{
  display:flex;align-items:center;justify-content:space-between;gap:20px;width:100%;
  background:none;border:none;text-align:left;padding:24px 4px;font-family:var(--font-body);
  font-size:1.02rem;font-weight:600;color:var(--navy-900);
}
.faq-q .plus{width:22px;height:22px;flex-shrink:0;position:relative;}
.faq-q .plus::before,.faq-q .plus::after{content:"";position:absolute;background:var(--navy-900);transition:transform .25s var(--ease);}
.faq-q .plus::before{width:14px;height:2px;top:10px;left:4px;}
.faq-q .plus::after{width:2px;height:14px;top:4px;left:10px;}
.faq-item.open .plus::after{transform:rotate(90deg);opacity:0;}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s var(--ease);}
.faq-a-inner{padding:0 4px 24px;color:var(--ink-700);max-width:74ch;}
.faq-cat{font-family:var(--font-mono);font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:var(--crimson-600);margin:44px 0 4px;}
.faq-cat:first-of-type{margin-top:0;}

/* ---------- Testimonials ---------- */
.t-card{background:#fff;border:1px solid var(--ink-100);border-radius:var(--radius-md);padding:32px;}
.t-quote{font-family:var(--font-display);font-size:1.12rem;color:var(--navy-900);margin-bottom:20px;}
.t-person{display:flex;align-items:center;gap:12px;}
.t-avatar{width:42px;height:42px;border-radius:50%;background:var(--navy-050);display:flex;align-items:center;justify-content:center;font-weight:700;color:var(--navy-700);font-family:var(--font-mono);font-size:.85rem;}
.t-name{font-weight:600;font-size:.9rem;color:var(--navy-900);}
.t-meta{font-size:.8rem;color:var(--ink-500);}
.stars{color:var(--gold-600);letter-spacing:2px;font-size:.85rem;margin-bottom:10px;}

/* ---------- Forms ---------- */
.field{margin-bottom:20px;}
.field label{display:block;font-size:.85rem;font-weight:600;color:var(--navy-900);margin-bottom:7px;}
.field input,.field select,.field textarea{
  width:100%;padding:13px 15px;border:1px solid var(--ink-100);border-radius:8px;font:inherit;
  color:var(--ink-900);background:#fff;transition:border-color .2s,box-shadow .2s;
}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--navy-700);box-shadow:0 0 0 3px var(--navy-050);
}
.field textarea{resize:vertical;min-height:120px;}
.field .hint{font-size:.78rem;color:var(--ink-500);margin-top:6px;}
.checkbox-field{display:flex;align-items:flex-start;gap:10px;font-size:.85rem;color:var(--ink-500);}
.checkbox-field input{width:auto;margin-top:3px;}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy-950);color:rgba(255,255,255,.7);padding-top:72px;}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr 1.1fr;gap:40px;padding-bottom:56px;border-bottom:1px solid rgba(255,255,255,.1);}
@media (max-width:900px){.footer-grid{grid-template-columns:repeat(2,1fr);}}
@media (max-width:560px){.footer-grid{grid-template-columns:1fr;}}
.footer-grid h4{color:#fff;font-family:var(--font-mono);font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:18px;font-weight:600;}
.footer-grid ul li{margin-bottom:11px;}
.footer-grid a{color:rgba(255,255,255,.62);font-size:.9rem;transition:color .2s;}
.footer-grid a:hover{color:#fff;}
.footer-brand{display:flex;align-items:center;gap:10px;margin-bottom:16px;}
.footer-brand img{height:34px;filter:brightness(0) invert(1);}
.footer-brand span{font-family:var(--font-display);color:#fff;font-size:1.1rem;font-weight:600;}
.footer-desc{font-size:.88rem;max-width:32ch;color:rgba(255,255,255,.55);}
.social-row{display:flex;gap:10px;margin-top:20px;}
.social-row a{width:36px;height:36px;border-radius:50%;border:1px solid rgba(255,255,255,.2);display:flex;align-items:center;justify-content:center;}
.social-row a:hover{background:#fff;color:var(--navy-900);}
.footer-bottom{display:flex;align-items:center;justify-content:space-between;padding:26px 0;font-size:.8rem;color:rgba(255,255,255,.45);flex-wrap:wrap;gap:12px;}
.footer-legal-links{display:flex;gap:18px;flex-wrap:wrap;}
.footer-legal-links a{color:rgba(255,255,255,.45);font-size:.8rem;}
.footer-legal-links a:hover{color:#fff;}
.footer-disclosure{font-size:.78rem;color:rgba(255,255,255,.4);max-width:980px;padding-bottom:28px;line-height:1.7;}

/* ---------- Misc ---------- */
.divider{height:1px;background:var(--ink-100);border:none;margin:0;}
.badge-row{display:flex;flex-wrap:wrap;gap:14px;align-items:center;}
.badge{display:flex;align-items:center;gap:8px;font-size:.82rem;color:var(--ink-500);font-weight:500;}
.badge svg{color:var(--navy-700);flex-shrink:0;}
.notice{
  border-left:3px solid var(--crimson-600);background:var(--crimson-100);
  padding:18px 22px;border-radius:0 8px 8px 0;font-size:.88rem;color:var(--ink-700);
}
.notice-navy{border-left-color:var(--navy-700);background:var(--navy-050);}
.callout{background:var(--gold-100);border:1px solid #E6D9AE;border-radius:var(--radius-md);padding:28px;}

.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s var(--ease),transform .6s var(--ease);}
.reveal.in{opacity:1;transform:translateY(0);}

.breadcrumb{font-size:.82rem;color:var(--ink-500);margin-bottom:18px;}
.breadcrumb a:hover{color:var(--navy-900);}

.page-hero{background:var(--navy-050);padding:64px 0 56px;border-bottom:1px solid var(--ink-100);}
.page-hero h1{font-size:clamp(2rem,4vw,3rem);}

.two-col{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center;}
@media (max-width:860px){.two-col{grid-template-columns:1fr;gap:40px;}}

.icon-check{color:var(--ok-600);flex-shrink:0;}
.list-check{display:flex;flex-direction:column;gap:14px;}
.list-check li{display:flex;gap:12px;align-items:flex-start;color:var(--ink-700);font-size:.96rem;}

.table-wrap{overflow-x:auto;border:1px solid var(--ink-100);border-radius:var(--radius-md);}
table{width:100%;border-collapse:collapse;font-size:.92rem;}
th,td{text-align:left;padding:16px 20px;border-bottom:1px solid var(--ink-100);}
th{font-family:var(--font-mono);font-size:.72rem;text-transform:uppercase;letter-spacing:.06em;color:var(--ink-500);background:var(--paper-alt);}
tr:last-child td{border-bottom:none;}

.legal-content h2{margin-top:2.2em;font-size:1.5rem;}
.legal-content h3{font-size:1.15rem;margin-top:1.6em;}
.legal-content p,.legal-content li{color:var(--ink-700);font-size:.98rem;}
.legal-content ul{padding-left:1.3em;list-style:disc;margin-bottom:1em;}
.legal-content li{margin-bottom:.5em;}
.updated-date{font-family:var(--font-mono);font-size:.78rem;color:var(--ink-500);margin-bottom:2.5em;}

.error-page{min-height:60vh;display:flex;align-items:center;justify-content:center;text-align:center;padding:80px 28px;}
.error-code{font-family:var(--font-display);font-size:clamp(5rem,14vw,9rem);color:var(--navy-100);font-weight:700;line-height:1;}