:root {
  --navy: #102b50;
  --blue: #1769aa;
  --blue-dark: #125487;
  --gold: #d9b45b;
  --ink: #1c2b3c;
  --muted: #64748b;
  --light: #f4f7fb;
  --line: #e3eaf2;
  --white: #fff;
  --shadow: 0 16px 42px rgba(16, 43, 80, .1);
  --radius: 18px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--white); font-family: "Segoe UI", Arial, sans-serif; font-size: 16px; line-height: 1.7; }
img { max-width: 100%; }
a { color: var(--blue); text-decoration: none; }
a:hover { color: var(--blue-dark); }
button, input, select, textarea { font: inherit; }
h1, h2, h3 { margin: 0 0 16px; color: var(--navy); font-family: "Segoe UI", Arial, sans-serif; line-height: 1.2; letter-spacing: -.035em; }
h1 { font-size: clamp(2.5rem, 5vw, 4.65rem); font-weight: 800; }
h2 { font-size: clamp(1.9rem, 3.2vw, 2.8rem); font-weight: 750; }
h3 { font-size: 1.2rem; font-weight: 700; }
p { margin: 0 0 16px; }
.container { width: min(1160px, calc(100% - 48px)); margin-inline: auto; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; clip-path: inset(50%); }
.skip-link { position: absolute; z-index: 1000; top: -60px; left: 16px; padding: 10px 16px; color: #fff; background: var(--navy); }
.skip-link:focus { top: 12px; }
.site-header { position: sticky; z-index: 20; top: 0; background: rgba(255,255,255,.97); box-shadow: 0 2px 18px rgba(16,43,80,.07); backdrop-filter: blur(12px); }
.header-inner { min-height: 82px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: center; gap: 11px; color: var(--navy); font: 800 1.2rem "Segoe UI", sans-serif; letter-spacing: -.05em; white-space: nowrap; }
.brand:hover { color: var(--navy); }
.brand-mark { display: grid; width: 38px; height: 38px; place-items: center; border-radius: 12px 12px 12px 3px; color: #fff; background: linear-gradient(145deg, var(--blue), var(--navy)); font-size: 1.25rem; }
.brand-light { color: var(--blue); font-weight: 500; }
.primary-nav { display: flex; align-items: center; gap: clamp(12px, 1.6vw, 25px); }
.primary-nav > a:not(.button) { color: #44566d; font-size: .88rem; font-weight: 600; transition: color .2s ease; }
.primary-nav > a:not(.button):hover, .primary-nav > a[aria-current="page"] { color: var(--blue); }
.menu-toggle { display: none; }
.button { display: inline-flex; min-height: 52px; align-items: center; justify-content: center; gap: 12px; padding: 0 24px; border: 1px solid var(--blue); border-radius: 9px; color: #fff; background: var(--blue); font-weight: 700; transition: transform .2s ease, box-shadow .2s ease, background .2s ease; cursor: pointer; }
.button:hover { color: #fff; background: var(--blue-dark); box-shadow: 0 10px 24px rgba(23,105,170,.2); transform: translateY(-2px); }
.button-small { min-height: 42px; padding-inline: 17px; font-size: .87rem; }
.button-secondary { color: var(--blue); background: transparent; }
.button-secondary:hover { color: #fff; }
.button-outline { border-color: rgba(255,255,255,.75); color: #fff; background: transparent; }
.button-outline:hover { color: var(--navy); background: #fff; }
.button-light { border-color: #fff; color: var(--navy); background: #fff; }
.button-light:hover { color: var(--navy); background: #f1f5f9; }
.hero { position: relative; display: flex; min-height: min(710px, calc(100vh - 82px)); align-items: center; overflow: hidden; color: #fff; background: #102b50 url("../images/hero.jpg") center 48% / cover no-repeat; }
.hero-shade, .thanks-shade { position: absolute; inset: 0; background: linear-gradient(90deg, rgba(7,28,54,.92) 0%, rgba(12,40,71,.78) 48%, rgba(12,40,71,.2) 100%); }
.hero-content { position: relative; z-index: 1; max-width: 1160px; padding-block: 95px; }
.hero-content h1 { max-width: 760px; color: #fff; }
.hero-copy { max-width: 660px; margin: 24px 0 31px; color: rgba(255,255,255,.88); font-size: 1.15rem; }
.hero-note { margin: 17px 0 0; color: rgba(255,255,255,.72); font-size: .82rem; }
.eyebrow { margin-bottom: 12px; color: var(--blue); font-size: .76rem; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; }
.eyebrow-light { color: #f1d78f; }
.button-row { display: flex; flex-wrap: wrap; align-items: center; gap: 12px; }
.hero-badge { position: absolute; right: max(24px, calc((100vw - 1160px) / 2)); bottom: 38px; z-index: 2; display: flex; align-items: center; gap: 12px; padding: 16px 20px; border: 1px solid rgba(255,255,255,.22); border-radius: 13px; color: #fff; background: rgba(16,43,80,.58); backdrop-filter: blur(10px); }
.hero-badge strong, .hero-badge small { display: block; }
.hero-badge small { margin-top: 2px; color: rgba(255,255,255,.75); }
.badge-icon { display: grid; width: 36px; height: 36px; place-items: center; border-radius: 50%; color: var(--navy); background: var(--gold); font-weight: 800; }
.section { padding-block: 96px; }
.section-intro { padding-top: 106px; }
.section-tint { background: var(--light); }
.intro-grid { display: grid; grid-template-columns: 1fr 1fr; align-items: center; gap: clamp(42px, 8vw, 100px); }
.intro-photo, .contact-photo, .aside-photo { min-height: 430px; border-radius: var(--radius); background-position: center; background-size: cover; box-shadow: var(--shadow); }
.photo-about { background-image: url("../images/about.jpg"); }
.intro-copy p:not(.eyebrow) { color: var(--muted); }
.intro-copy h2 { max-width: 570px; }
.text-link { display: inline-flex; align-items: center; gap: 8px; margin-top: 9px; color: var(--blue); font-weight: 700; }
.text-link span { transition: transform .2s ease; }
.text-link:hover span { transform: translateX(4px); }
.section-heading { max-width: 720px; margin: 0 auto 44px; text-align: center; }
.section-heading > p:last-child { color: var(--muted); }
.card-grid { display: grid; gap: 24px; }
.service-grid { grid-template-columns: repeat(3, 1fr); }
.service-grid-all { grid-template-columns: repeat(2, 1fr); }
.service-card { overflow: hidden; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; box-shadow: 0 8px 26px rgba(16,43,80,.05); transition: transform .25s ease, box-shadow .25s ease; }
.service-card:hover { box-shadow: var(--shadow); transform: translateY(-5px); }
.service-image { min-height: 220px; background-position: center; background-size: cover; }
.photo-personal { background-image: url("../images/personal.jpg"); }
.photo-home { background-image: url("../images/home.jpg"); }
.photo-business { background-image: url("../images/business.jpg"); }
.photo-debt { background-image: url("../images/debt.jpg"); }
.photo-emergency { background-image: url("../images/emergency.jpg"); }
.service-body { padding: 25px; }
.service-body p { min-height: 54px; color: var(--muted); }
.center-action { margin-top: 38px; text-align: center; }
.benefit-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.benefit-card { padding: 27px; border: 1px solid var(--line); border-radius: 14px; background: #fff; }
.benefit-number { display: inline-block; margin-bottom: 19px; color: var(--blue); font: 800 1.1rem "Segoe UI", sans-serif; }
.benefit-card h3 { margin-bottom: 9px; }
.benefit-card p { margin: 0; color: var(--muted); font-size: .94rem; }
.steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 25px; }
.step-card { position: relative; padding: 26px 23px; border-top: 2px solid #c8d8e8; }
.step-number { display: grid; width: 50px; height: 50px; margin-bottom: 20px; place-items: center; border-radius: 50%; color: #fff; background: var(--blue); font: 700 1rem "Segoe UI", sans-serif; }
.step-card h3 { font-size: 1.08rem; }
.step-card p, .step-row p { margin: 0; color: var(--muted); }
.testimonial-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.testimonial-card { position: relative; display: flex; min-height: 285px; flex-direction: column; padding: 24px; border: 1px solid #e8edf3; border-radius: 16px; background: #fff; box-shadow: 0 8px 24px rgba(16,43,80,.06); transition: transform .22s ease, box-shadow .22s ease; }
.testimonial-card:hover { box-shadow: var(--shadow); transform: translateY(-4px); }
.quote-mark { position: absolute; top: 8px; right: 19px; color: #e7eef6; font: 700 4.6rem Georgia, serif; line-height: 1; }
.testimonial-person { position: relative; display: flex; align-items: center; gap: 13px; margin-bottom: 17px; }
.testimonial-person img { width: 60px; height: 60px; border-radius: 50%; object-fit: cover; }
.testimonial-person h3 { margin: 0 0 3px; font-size: 1rem; }
.stars { color: var(--gold); letter-spacing: 2px; }
.testimonial-card > p { position: relative; flex: 1; color: #536273; font-size: .94rem; }
.cta-band { padding-block: 70px; color: #fff; background: linear-gradient(110deg, var(--navy), #1a4e7c); }
.cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 30px; }
.cta-inner h2 { margin-bottom: 9px; color: #fff; }
.cta-inner p:last-child { margin: 0; color: rgba(255,255,255,.76); }
.page-hero { position: relative; padding: 92px 0; overflow: hidden; color: #fff; background: linear-gradient(110deg, rgba(16,43,80,.97), rgba(23,105,170,.87)), url("../images/office.jpg") center / cover; }
.page-hero h1 { max-width: 800px; color: #fff; font-size: clamp(2.4rem, 4.4vw, 3.6rem); }
.page-hero p:last-child { max-width: 680px; margin: 0; color: rgba(255,255,255,.8); font-size: 1.1rem; }
.value-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.value-card { padding: 30px; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; }
.value-card h2 { margin: 9px 0 14px; font-size: 1.55rem; }
.value-card p { margin: 0; color: var(--muted); }
.steps-page { max-width: 850px; }
.step-row { display: grid; grid-template-columns: 64px 1fr; gap: 22px; padding: 28px 0; border-bottom: 1px solid var(--line); }
.step-row h2 { margin: 3px 0 8px; font-size: 1.45rem; }
.notice-box { margin: 24px 0; padding: 17px 20px; border: 1px solid #d5e5f4; border-left: 4px solid var(--blue); border-radius: 8px; color: #42566b; background: #f7fbff; }
.faq-list { max-width: 880px; }
.faq-item { margin-bottom: 13px; border: 1px solid var(--line); border-radius: 12px; background: #fff; }
.faq-item summary { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 20px 22px; color: var(--navy); font-weight: 700; cursor: pointer; list-style: none; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary span { color: var(--blue); font-size: 1.4rem; transition: transform .2s; }
.faq-item[open] summary span { transform: rotate(45deg); }
.faq-item > p { margin: 0; padding: 0 22px 22px; color: var(--muted); }
.disclosure { padding: 13px 15px; border-radius: 8px; color: #526174; background: var(--light); font-size: .86rem; }
.form-layout { display: grid; grid-template-columns: minmax(0, 1.6fr) minmax(260px, .75fr); align-items: start; gap: 45px; }
.application-form-wrap { padding: 32px; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: 0 12px 35px rgba(16,43,80,.06); }
.application-form fieldset { margin: 0 0 31px; padding: 0 0 27px; border: 0; border-bottom: 1px solid var(--line); }
.application-form legend { width: 100%; margin-bottom: 22px; color: var(--navy); font: 700 1.3rem "Segoe UI", sans-serif; }
.application-form legend span { margin-right: 10px; color: var(--blue); font-size: .9rem; }
.form-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 19px 16px; }
.application-form label { display: block; color: #34475c; font-size: .91rem; font-weight: 600; }
.application-form label > span { color: var(--blue); }
.application-form input:not([type="checkbox"]), .application-form select, .application-form textarea { width: 100%; min-height: 48px; margin-top: 7px; padding: 11px 13px; border: 1px solid #d9e2ec; border-radius: 8px; outline: none; color: var(--ink); background: #fff; transition: border-color .2s, box-shadow .2s; }
.application-form textarea { min-height: 118px; resize: vertical; }
.application-form input:focus, .application-form select:focus, .application-form textarea:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(23,105,170,.12); }
.application-form small { display: block; margin-top: 5px; color: var(--muted); font-size: .76rem; font-weight: 400; }
.form-span { grid-column: 1 / -1; }
.checkbox-label { display: flex !important; align-items: flex-start; gap: 10px; margin-top: 20px; }
.checkbox-label input { width: 18px; height: 18px; margin: 4px 0 0; accent-color: var(--blue); }
.checkbox-label a { text-decoration: underline; }
.submit-button { width: 100%; margin-top: 14px; }
.button-loading { display: none; }
.is-submitting .button-label { display: none; }
.is-submitting .button-loading { display: inline; }
.form-alert { margin-bottom: 22px; padding: 16px 20px; border: 1px solid #f0c4c4; border-radius: 9px; color: #772525; background: #fff6f6; }
.form-alert ul { margin: 8px 0 0; padding-left: 22px; }
.honeypot { position: absolute !important; left: -10000px !important; width: 1px; height: 1px; overflow: hidden; }
.form-aside { position: sticky; top: 110px; overflow: hidden; border-radius: var(--radius); background: var(--light); }
.aside-photo { min-height: 250px; border-radius: 0; box-shadow: none; }
.aside-content { padding: 24px; }
.aside-content h2 { font-size: 1.55rem; }
.aside-content p { color: var(--muted); }
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; align-items: center; gap: 60px; }
.contact-photo { min-height: 480px; }
.contact-details h2 { margin-bottom: 27px; }
.contact-method { display: flex; align-items: center; gap: 16px; margin: 20px 0; }
.contact-method h3 { margin: 0 0 3px; font-size: 1rem; }
.contact-method a { overflow-wrap: anywhere; }
.contact-icon { display: grid; width: 46px; height: 46px; flex: 0 0 46px; place-items: center; border-radius: 50%; color: var(--blue); background: #e9f2fa; font-size: 1.3rem; font-weight: 700; }
.thanks-section { position: relative; display: grid; min-height: 640px; align-items: center; padding: 70px 0; background: url("../images/thanks.jpg") center / cover; }
.thanks-shade { background: rgba(11,35,65,.72); }
.thanks-content { position: relative; z-index: 1; }
.success-card { max-width: 660px; margin: 0 auto; padding: 45px; border-radius: var(--radius); background: #fff; box-shadow: var(--shadow); text-align: center; }
.success-card h1 { font-size: clamp(2rem, 4vw, 3rem); }
.success-card > p:not(.eyebrow) { color: var(--muted); }
.success-icon { display: grid; width: 74px; height: 74px; margin: 0 auto 20px; place-items: center; border-radius: 50%; color: #fff; background: #27a477; font-size: 2rem; font-weight: 700; }
.contact-note { margin: 19px 0 0 !important; font-size: .9rem; }
.legal-copy { max-width: 850px; }
.legal-copy h2 { margin-top: 35px; font-size: 1.45rem; }
.legal-copy p { color: #536273; }
.site-footer { padding: 65px 0 0; color: rgba(255,255,255,.74); background: #0c2340; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1.1fr 1.2fr; gap: 35px; padding-bottom: 45px; }
.brand-footer { margin-bottom: 15px; color: #fff; }
.brand-footer:hover { color: #fff; }
.brand-footer .brand-light { color: #a7c8e5; }
.footer-grid > div > p { max-width: 310px; font-size: .91rem; }
.footer-heading { margin: 4px 0 17px; color: #fff; font-size: 1rem; letter-spacing: 0; }
.footer-grid > div > a:not(.brand) { display: block; width: fit-content; margin: 9px 0; color: rgba(255,255,255,.76); font-size: .9rem; }
.footer-grid > div > a:hover { color: #fff; }
.fine-print { margin-top: 15px; color: rgba(255,255,255,.56); font-size: .78rem !important; }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; padding-block: 19px; border-top: 1px solid rgba(255,255,255,.13); color: rgba(255,255,255,.58); font-size: .78rem; }
.whatsapp-button { position: fixed; right: 24px; bottom: 24px; z-index: 30; display: grid; width: 58px; height: 58px; place-items: center; border-radius: 50%; color: #fff; background: #25d366; box-shadow: 0 7px 22px rgba(0,0,0,.2); transition: transform .2s ease; }
.whatsapp-button:hover { color: #fff; transform: scale(1.08); }
.whatsapp-button svg { width: 32px; height: 32px; fill: currentColor; }
.whatsapp-button::before { position: absolute; right: 70px; width: max-content; padding: 7px 11px; border-radius: 6px; color: #fff; background: #102b50; content: "Chat with us on WhatsApp"; font-size: .78rem; opacity: 0; pointer-events: none; transition: opacity .2s; }
.whatsapp-button:hover::before, .whatsapp-button:focus-visible::before { opacity: 1; }

@media (max-width: 1020px) {
  .menu-toggle { display: grid; width: 45px; height: 42px; place-content: center; gap: 5px; border: 1px solid var(--line); border-radius: 8px; background: #fff; cursor: pointer; }
  .menu-toggle > span:not(.sr-only) { width: 20px; height: 2px; background: var(--navy); }
  .primary-nav { position: absolute; top: 100%; right: 0; left: 0; display: none; align-items: stretch; padding: 16px 24px 22px; border-top: 1px solid var(--line); background: #fff; box-shadow: 0 15px 20px rgba(16,43,80,.1); }
  .primary-nav.is-open { display: flex; flex-direction: column; }
  .primary-nav > a:not(.button) { padding: 7px 0; }
  .primary-nav .button { width: fit-content; margin-top: 5px; }
  .service-grid { grid-template-columns: repeat(2, 1fr); }
  .testimonial-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 700px) {
  .container { width: min(100% - 36px, 560px); }
  .header-inner { min-height: 70px; }
  .brand { font-size: 1.08rem; }
  .hero { min-height: 680px; background-position: 58% center; }
  .hero-shade { background: linear-gradient(90deg, rgba(7,28,54,.92), rgba(12,40,71,.68)); }
  .hero-content { padding-block: 78px 150px; }
  .hero-copy { font-size: 1.02rem; }
  .hero-badge { right: 18px; bottom: 22px; left: 18px; }
  .section { padding-block: 70px; }
  .intro-grid, .contact-grid, .form-layout { grid-template-columns: 1fr; gap: 34px; }
  .intro-photo, .contact-photo { min-height: 300px; }
  .service-grid, .service-grid-all, .benefit-grid, .value-grid, .steps-grid, .testimonial-grid { grid-template-columns: 1fr; }
  .service-body p { min-height: auto; }
  .step-card { display: grid; grid-template-columns: 52px 1fr; column-gap: 13px; padding: 20px 5px; border-top: 0; border-bottom: 1px solid #dbe5ef; }
  .step-number { grid-row: span 2; margin: 0; }
  .step-card h3 { align-self: end; }
  .step-card p { grid-column: 2; }
  .testimonial-card { min-height: 250px; }
  .cta-inner { align-items: flex-start; flex-direction: column; }
  .page-hero { padding: 70px 0; }
  .form-layout { gap: 28px; }
  .application-form-wrap { padding: 22px 17px; }
  .form-grid { grid-template-columns: 1fr; }
  .form-span { grid-column: auto; }
  .form-aside { position: static; }
  .aside-photo { min-height: 220px; }
  .success-card { padding: 34px 22px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px 18px; }
  .footer-bottom { align-items: flex-start; flex-direction: column; gap: 5px; }
}
@media (max-width: 420px) {
  .container { width: calc(100% - 30px); }
  .hero-content .button-row { align-items: stretch; flex-direction: column; }
  .hero-content .button { width: 100%; }
  .footer-grid { grid-template-columns: 1fr; }
  .application-form-wrap { padding-inline: 14px; }
  .step-row { grid-template-columns: 52px 1fr; gap: 13px; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
}