:root {
  --navy: #061f49;
  --navy-2: #0d3a72;
  --blue: #eef5fb;
  --gold: #b98d2b;
  --gold-soft: #f7f1e3;
  --ink: #142033;
  --muted: #667386;
  --line: #d8e0ea;
  --paper: #ffffff;
  --soft: #f8fafc;
  --shadow: 0 22px 54px rgba(6, 31, 73, 0.11);
  --shadow-soft: 0 14px 34px rgba(6, 31, 73, 0.08);
  --header-offset: 130px;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

body.modal-open {
  overflow: hidden;
}

a {
  color: inherit;
}

img {
  display: block;
  max-width: 100%;
}

.sr-only,
.skip-link {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.skip-link:focus {
  width: auto;
  height: auto;
  clip: auto;
  z-index: 10;
  margin: 1rem;
  padding: 0.75rem 1rem;
  background: var(--navy);
  color: white;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255, 255, 255, 0.94);
  border-bottom: 1px solid rgba(216, 224, 234, 0.86);
  backdrop-filter: blur(20px);
}

.site-header[data-elevated="true"] {
  box-shadow: 0 12px 30px rgba(6, 31, 73, 0.08);
}

.contact-bar {
  background: #041936;
  color: white;
  border-bottom: 1px solid rgba(185, 141, 43, 0.42);
}

.contact-bar-inner {
  width: min(1180px, calc(100% - 32px));
  min-height: 42px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
}

.contact-bar-tagline {
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.78rem;
  font-weight: 700;
}

.contact-bar-links {
  display: flex;
  align-items: center;
  gap: clamp(0.8rem, 2.5vw, 1.8rem);
}

.contact-bar-links a {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  color: white;
  font-size: 0.82rem;
  font-weight: 750;
  text-decoration: none;
  white-space: nowrap;
  transition: color 180ms ease;
}

.contact-bar-links a span {
  color: #f3d38a;
  font-weight: 800;
}

.contact-bar-links a:hover {
  color: #f3d38a;
}

.nav {
  position: relative;
  width: min(1180px, calc(100% - 32px));
  min-height: 88px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.8rem;
  text-decoration: none;
  color: var(--navy);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.2rem;
  font-weight: 700;
  line-height: 1.05;
  flex: 0 0 auto;
}

.brand img {
  width: 62px;
  height: 62px;
  object-fit: contain;
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.92rem;
  font-weight: 650;
  color: #2f3a4c;
}

.nav-menu a {
  padding: 0.55rem 0.7rem;
  border-radius: 999px;
  text-decoration: none;
  white-space: nowrap;
  transition: color 180ms ease, background-color 180ms ease;
}

.nav-link-button {
  padding: 0;
  border: 0;
  background: transparent;
  color: inherit;
  font: inherit;
  cursor: pointer;
  white-space: nowrap;
}

.nav-menu a:hover,
.nav-link-button:hover {
  color: var(--navy);
  background: rgba(6, 31, 73, 0.055);
}

.nav-menu a[aria-current="page"] {
  color: var(--navy);
  background: rgba(185, 141, 43, 0.14);
}

.nav-cta,
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 0.82rem 1.18rem;
  border-radius: 6px;
  border: 1px solid transparent;
  font-weight: 800;
  text-decoration: none;
  cursor: pointer;
  transition: transform 180ms ease, box-shadow 180ms ease, background-color 180ms ease, border-color 180ms ease;
}

.nav-cta,
.button.primary {
  background: var(--navy);
  color: white;
  box-shadow: 0 12px 26px rgba(6, 31, 73, 0.16);
}

.button.secondary {
  border-color: rgba(8, 43, 95, 0.22);
  color: var(--navy);
  background: white;
}

.hero .button.secondary {
  border-color: rgba(255, 255, 255, 0.62);
  color: white;
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(10px);
}

.button:hover,
.nav-cta:hover {
  transform: translateY(-1px);
  box-shadow: 0 16px 30px rgba(6, 31, 73, 0.2);
}

.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid var(--line);
  border-radius: 6px;
  background: white;
  place-items: center;
  cursor: pointer;
}

.nav-toggle span:not(.sr-only) {
  width: 20px;
  height: 2px;
  background: var(--navy);
  display: block;
  margin: 3px auto;
}

.hero {
  position: relative;
  overflow: hidden;
  min-height: calc(100vh - var(--header-offset));
  display: flex;
  align-items: center;
  padding: 56px 0 58px;
  background: #071f45;
  --parallax-y: 0px;
  --copy-parallax-y: 0px;
}

.hero-grid {
  position: relative;
  z-index: 3;
  width: min(1180px, calc(100% - 32px));
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  justify-content: center;
  min-height: calc(100vh - var(--header-offset) - 114px);
  transform: translate3d(0, var(--copy-parallax-y), 0);
  transition: transform 120ms linear;
}

.eyebrow {
  margin: 0 0 0.8rem;
  color: var(--gold);
  font-size: 0.76rem;
  font-weight: 800;
  letter-spacing: 0;
  text-transform: uppercase;
}

h1,
h2,
h3,
h4,
p {
  overflow-wrap: anywhere;
}

h1 {
  max-width: 840px;
  margin: 0;
  color: white;
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(2.8rem, 5.35vw, 5.1rem);
  line-height: 0.98;
  letter-spacing: 0;
}

h2 {
  margin: 0;
  color: var(--navy);
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(2rem, 3.7vw, 3.35rem);
  line-height: 1.07;
  letter-spacing: 0;
}

h3 {
  margin: 0 0 0.55rem;
  color: var(--navy);
  font-size: 1.12rem;
  line-height: 1.25;
}

h4 {
  margin: 0 0 0.4rem;
  color: var(--navy);
}

.hero-lede {
  max-width: 690px;
  margin: 1.45rem 0 0;
  color: rgba(255, 255, 255, 0.88);
  font-size: clamp(1.06rem, 1.75vw, 1.22rem);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  margin-top: 2rem;
}

.disclaimer-line {
  max-width: 640px;
  margin: 1.25rem 0 0;
  padding-left: 0.85rem;
  border-left: 3px solid rgba(185, 141, 43, 0.84);
  color: rgba(255, 255, 255, 0.76);
  font-size: 0.9rem;
}

.hero-slider {
  position: absolute;
  inset: -8% 0;
  z-index: 1;
  overflow: hidden;
  background: #071f45;
  transform: translate3d(0, var(--parallax-y), 0);
  will-change: transform;
}

.slides {
  position: relative;
  width: 100%;
  height: 100%;
  min-height: calc(100vh - var(--header-offset));
}

.slide {
  position: absolute;
  inset: 0;
  margin: 0;
  opacity: 0;
  transition: opacity 600ms ease;
}

.slide.active {
  opacity: 1;
  z-index: 1;
}

.slide img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  filter: saturate(0.92) contrast(1.03);
  transform: scale(1.045);
}

.slide::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(6, 31, 73, 0.94) 0%, rgba(6, 31, 73, 0.78) 38%, rgba(6, 31, 73, 0.28) 72%, rgba(6, 31, 73, 0.48) 100%),
    linear-gradient(180deg, rgba(6, 31, 73, 0.32), rgba(6, 31, 73, 0.72));
}

.slide figcaption {
  position: absolute;
  right: max(16px, calc((100% - 1180px) / 2));
  bottom: 2.4rem;
  z-index: 2;
  color: white;
  font-weight: 800;
  font-size: 0.86rem;
  text-align: right;
  text-transform: uppercase;
  text-shadow: 0 1px 18px rgba(0, 0, 0, 0.28);
}

.slider-controls {
  width: min(330px, 100%);
  margin-top: 2rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  pointer-events: auto;
}

.slider-btn,
.slider-dot {
  pointer-events: auto;
  border: 1px solid rgba(255, 255, 255, 0.55);
  background: rgba(6, 31, 73, 0.62);
  color: white;
  cursor: pointer;
  transition: background-color 180ms ease, border-color 180ms ease, opacity 180ms ease;
}

.slider-btn {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  font-size: 1.7rem;
  line-height: 1;
}

.slider-btn:hover,
.slider-dot:hover {
  background: rgba(185, 141, 43, 0.78);
  border-color: rgba(255, 255, 255, 0.78);
}

.slider-dots {
  display: flex;
  gap: 0.45rem;
  padding: 0.4rem 0.5rem;
  border-radius: 999px;
  background: rgba(7, 31, 69, 0.46);
  backdrop-filter: blur(10px);
}

.slider-dot {
  width: 10px;
  height: 10px;
  padding: 0;
  border-radius: 50%;
  opacity: 0.6;
}

.slider-dot.active {
  background: var(--gold);
  opacity: 1;
}

.trust-band {
  position: relative;
  z-index: 5;
  width: min(1180px, calc(100% - 32px));
  margin: -34px auto 0;
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  background: linear-gradient(135deg, #061f49, #0b315f);
  color: white;
  border-radius: 8px;
  box-shadow: var(--shadow);
  overflow: hidden;
}

.trust-item {
  min-height: 126px;
  padding: 1.45rem 1.3rem;
  border-right: 1px solid rgba(255, 255, 255, 0.16);
}

.trust-item:last-child {
  border-right: 0;
}

.trust-item strong,
.trust-item span {
  display: block;
}

.trust-item strong {
  color: #f3d38a;
  font-size: 0.98rem;
  margin-bottom: 0.3rem;
}

.trust-item span {
  color: rgba(255, 255, 255, 0.82);
  font-size: 0.88rem;
}

.section {
  width: min(1180px, calc(100% - 32px));
  margin: 0 auto;
  padding: clamp(78px, 10vw, 124px) 0;
}

.split {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: clamp(2rem, 6vw, 5rem);
  align-items: start;
}

.prose p,
.section-heading p,
.panel p,
.card p,
.resource-grid p,
.faq p,
.consultation-copy p,
.legal-grid p {
  color: var(--muted);
}

.image-feature {
  position: relative;
  min-height: 520px;
  display: flex;
  align-items: center;
  padding: clamp(72px, 10vw, 128px) max(16px, calc((100% - 1180px) / 2));
  background-size: cover;
  background-position: center;
  background-attachment: fixed;
  overflow: hidden;
  --parallax-y: 0px;
  background-position: center calc(50% + var(--parallax-y));
}

.image-feature::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(7, 31, 69, 0.9), rgba(7, 31, 69, 0.6) 46%, rgba(7, 31, 69, 0.16)),
    linear-gradient(180deg, rgba(7, 31, 69, 0.12), rgba(7, 31, 69, 0.42));
}

.feature-review {
  background-image: url("assets/parallax-credit-review-hero.png");
}

.feature-documentation {
  background-image: url("assets/parallax-documentation-hero.png");
  background-position: center right;
}

.feature-consultation {
  background-image: url("assets/parallax-consultation-hero.png");
}

.feature-documentation::before {
  background:
    linear-gradient(270deg, rgba(7, 31, 69, 0.9), rgba(7, 31, 69, 0.62) 48%, rgba(7, 31, 69, 0.18)),
    linear-gradient(180deg, rgba(7, 31, 69, 0.12), rgba(7, 31, 69, 0.42));
}

.feature-inner {
  position: relative;
  z-index: 1;
  max-width: 620px;
  color: white;
}

.feature-inner.align-right {
  margin-left: auto;
}

.feature-inner h2 {
  color: white;
}

.feature-inner p:not(.eyebrow) {
  max-width: 560px;
  color: rgba(255, 255, 255, 0.84);
  font-size: 1.06rem;
}

.problem-solution {
  width: 100%;
  display: grid;
  grid-template-columns: 1fr 1fr;
  padding: 0;
}

.panel {
  min-height: 500px;
  padding: clamp(2.3rem, 7vw, 5.3rem);
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.panel.dark {
  background: linear-gradient(135deg, var(--navy), #0b315f);
  color: white;
}

.panel.dark h2,
.panel.dark p {
  color: white;
}

.panel.light {
  background:
    linear-gradient(135deg, rgba(247, 241, 227, 0.95), rgba(255, 255, 255, 0.84)),
    var(--gold-soft);
}

.who-for {
  width: 100%;
  max-width: none;
  padding-left: max(16px, calc((100% - 1180px) / 2));
  padding-right: max(16px, calc((100% - 1180px) / 2));
  background: linear-gradient(180deg, #ffffff, var(--soft));
}

.fit-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(280px, 0.85fr);
  gap: 1.15rem;
  align-items: stretch;
}

.fit-list,
.caution-box {
  margin: 0;
  padding: clamp(1.35rem, 3vw, 2.15rem);
  border: 1px solid var(--line);
  border-radius: 8px;
  background: white;
  box-shadow: var(--shadow-soft);
}

.fit-list li {
  margin: 0.7rem 0;
  color: #344057;
}

.caution-box {
  display: flex;
  flex-direction: column;
  justify-content: center;
  border-color: rgba(200, 154, 49, 0.42);
  background: var(--gold-soft);
}

.caution-box p {
  color: #66522b;
}

.section-heading {
  max-width: 790px;
  margin-bottom: 2.35rem;
}

.section-heading p:last-child {
  max-width: 680px;
  margin-top: 1rem;
}

.services-section {
  width: 100%;
  max-width: none;
  padding-left: max(16px, calc((100% - 1180px) / 2));
  padding-right: max(16px, calc((100% - 1180px) / 2));
  background: linear-gradient(180deg, #ffffff 0%, var(--soft) 100%);
}

.cards,
.resource-grid {
  display: grid;
  gap: 1.15rem;
}

.cards.three {
  grid-template-columns: repeat(3, 1fr);
}

.card,
.resource-grid article {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: white;
  padding: clamp(1.35rem, 2.5vw, 1.75rem);
  box-shadow: var(--shadow-soft);
}

.card {
  min-height: 230px;
  transition: transform 180ms ease, box-shadow 180ms ease, border-color 180ms ease;
}

.card:hover {
  transform: translateY(-2px);
  border-color: rgba(185, 141, 43, 0.34);
  box-shadow: 0 20px 44px rgba(6, 31, 73, 0.12);
}

.service-path {
  display: flex;
  flex-direction: column;
  gap: 1.05rem;
  min-height: 100%;
}

.service-path > p {
  margin: 0;
}

.service-kicker {
  color: var(--gold) !important;
  font-size: 0.76rem;
  font-weight: 800;
  text-transform: uppercase;
}

.service-detail {
  padding-top: 1rem;
  border-top: 1px solid var(--line);
}

.service-detail h4 {
  margin-bottom: 0.45rem;
  font-size: 0.9rem;
  text-transform: uppercase;
}

.service-detail p,
.service-detail li {
  color: var(--muted);
  font-size: 0.94rem;
}

.service-detail ul {
  margin: 0;
  padding-left: 1.1rem;
}

.service-detail li {
  margin: 0.38rem 0;
}

.muted-detail {
  background: #f9fbfd;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 1rem;
}

.service-disclaimer {
  padding: 0.85rem 1rem;
  color: #604d27 !important;
  background: var(--gold-soft);
  border-radius: 8px;
  font-size: 0.9rem;
}

.service-path .button {
  margin-top: auto;
}

.process {
  background: var(--soft);
  width: 100%;
  max-width: none;
  padding-left: max(16px, calc((100% - 1180px) / 2));
  padding-right: max(16px, calc((100% - 1180px) / 2));
}

.steps {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  margin: 0;
  padding: 0;
}

.steps li {
  position: relative;
  min-height: 240px;
  padding: 1.45rem;
  background: white;
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: var(--shadow-soft);
}

.steps span {
  display: inline-flex;
  margin-bottom: 2.2rem;
  color: var(--gold);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 2.3rem;
  line-height: 1;
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
}

.why-grid > div {
  padding: clamp(1.25rem, 3vw, 2rem);
  border: 1px solid var(--line);
  border-radius: 8px;
  background: white;
  box-shadow: var(--shadow-soft);
}

.consumer-rights {
  width: 100%;
  max-width: none;
  padding-left: max(16px, calc((100% - 1180px) / 2));
  padding-right: max(16px, calc((100% - 1180px) / 2));
  background: #071f45;
}

.consumer-rights h2 {
  color: white;
}

.rights-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
}

.rights-grid p {
  margin: 0;
  padding: 1.35rem;
  color: rgba(255, 255, 255, 0.84);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.07);
}

.rights-grid a {
  color: #f3d38a;
  font-weight: 800;
}

.color-band {
  padding: clamp(52px, 8vw, 84px) max(16px, calc((100% - 1180px) / 2));
  background: linear-gradient(135deg, var(--navy), var(--navy-2));
  color: white;
}

.color-band-inner {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  gap: clamp(2rem, 6vw, 5rem);
  align-items: center;
}

.color-band h2 {
  color: white;
}

.color-band p:not(.eyebrow) {
  color: rgba(255, 255, 255, 0.82);
  font-size: 1.08rem;
}

.check-list {
  padding-left: 1.1rem;
  margin-bottom: 0;
}

.check-list li {
  margin: 0.5rem 0;
}

.resource-grid {
  grid-template-columns: repeat(4, 1fr);
}

.faq-section {
  width: 100%;
  max-width: none;
  padding-left: max(16px, calc((100% - 1180px) / 2));
  padding-right: max(16px, calc((100% - 1180px) / 2));
  background: linear-gradient(180deg, #ffffff 0%, var(--soft) 58%, #f7f1e3 100%);
}

.faq-groups {
  display: grid;
  gap: 1.15rem;
}

.faq-group {
  padding: clamp(1.25rem, 3vw, 1.9rem);
  border: 1px solid var(--line);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.94);
  box-shadow: var(--shadow-soft);
}

.faq-group h3 {
  margin-bottom: 0.9rem;
  color: var(--navy);
}

.faq-group h2 {
  margin-bottom: 0.9rem;
  color: var(--navy);
  font-family: inherit;
  font-size: 1.12rem;
  line-height: 1.25;
}

.faq-list {
  display: grid;
  gap: 0.7rem;
}

details {
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 1.05rem 1.2rem;
  background: white;
  transition: border-color 180ms ease, box-shadow 180ms ease;
}

details[open] {
  border-color: rgba(185, 141, 43, 0.38);
  box-shadow: 0 12px 28px rgba(6, 31, 73, 0.07);
}

summary {
  cursor: pointer;
  color: var(--navy);
  font-weight: 800;
  overflow-wrap: anywhere;
  list-style-position: outside;
}

details p {
  margin-top: 0.8rem;
}

.faq-cta {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  margin-top: 1.5rem;
  padding: clamp(1.35rem, 3vw, 2rem);
  border-radius: 8px;
  background: linear-gradient(135deg, var(--navy), var(--navy-2));
  color: white;
  box-shadow: var(--shadow);
}

.faq-cta p {
  margin: 0;
  color: white;
  font-size: 1.08rem;
  font-weight: 800;
}

.faq-cta .button {
  flex: 0 0 auto;
}

.consultation {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: clamp(2rem, 5vw, 4rem);
  align-items: start;
  background:
    linear-gradient(135deg, rgba(6, 31, 73, 0.98), rgba(13, 58, 114, 0.94)),
    url("assets/credit-consultation-table.png") center / cover;
  color: white;
  width: 100%;
  max-width: none;
  padding-left: max(16px, calc((100% - 1180px) / 2));
  padding-right: max(16px, calc((100% - 1180px) / 2));
}

.consultation h2,
.consultation p {
  color: white;
}

.form-flow {
  display: grid;
  gap: 0.65rem;
  margin-top: 2rem;
}

.contact-direct {
  display: flex;
  flex-wrap: wrap;
  gap: 0.55rem 1.25rem;
  margin-top: 1.35rem;
  font-style: normal;
}

.contact-direct a {
  color: #f3d38a;
  font-weight: 800;
  text-decoration: none;
}

.contact-direct a:hover {
  color: white;
}

.form-flow span {
  padding: 0.85rem 1rem;
  border-left: 3px solid var(--gold);
  background: rgba(255, 255, 255, 0.08);
  border-radius: 0 6px 6px 0;
}

.lead-form {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
  padding: clamp(1.35rem, 4vw, 2.15rem);
  background: white;
  color: var(--ink);
  border-radius: 8px;
  box-shadow: 0 24px 60px rgba(0, 0, 0, 0.18);
}

.lead-form label {
  display: grid;
  gap: 0.35rem;
  color: #253149;
  font-weight: 700;
  font-size: 0.92rem;
}

.lead-form label:nth-child(5),
.lead-form label:nth-child(6),
.lead-form .consent,
.lead-form button {
  grid-column: 1 / -1;
}

input,
select,
textarea {
  width: 100%;
  min-height: 46px;
  border: 1px solid #cdd6e2;
  border-radius: 6px;
  padding: 0.7rem 0.8rem;
  font: inherit;
  color: var(--ink);
  background: white;
}

input:focus,
select:focus,
textarea:focus {
  outline: 3px solid rgba(185, 141, 43, 0.18);
  border-color: rgba(185, 141, 43, 0.72);
}

textarea {
  resize: vertical;
}

.consent {
  grid-template-columns: auto 1fr;
  align-items: start;
  font-weight: 500 !important;
}

.consent input {
  width: 18px;
  min-height: 18px;
  margin-top: 0.2rem;
}

.legal {
  background: var(--soft);
  width: 100%;
  max-width: none;
  padding-left: max(16px, calc((100% - 1180px) / 2));
  padding-right: max(16px, calc((100% - 1180px) / 2));
}

.legal-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
}

.legal-grid p {
  margin: 0;
  padding: 1.2rem;
  background: white;
  border: 1px solid var(--line);
  border-radius: 8px;
}

.policy-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
}

.policy-grid article {
  padding: 1.35rem;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--soft);
}

.policy-grid p {
  color: var(--muted);
}

.policy-grid a {
  color: var(--navy);
  font-weight: 800;
}

.legal-page {
  background: linear-gradient(180deg, var(--soft), #ffffff 52%);
}

.legal-hero {
  padding: clamp(72px, 10vw, 112px) max(16px, calc((100% - 1180px) / 2));
  background:
    linear-gradient(135deg, rgba(8, 43, 95, 0.96), rgba(15, 61, 120, 0.9)),
    url("assets/credit-documentation-workflow.png") center / cover;
  color: white;
  --parallax-y: 0px;
  background-position: center calc(50% + var(--parallax-y));
  overflow: hidden;
}

.legal-hero h1 {
  max-width: 860px;
  color: white;
}

.legal-hero p:not(.eyebrow) {
  max-width: 720px;
  color: rgba(255, 255, 255, 0.84);
  font-size: 1.08rem;
}

.legal-content {
  width: min(900px, calc(100% - 32px));
  margin: 0 auto;
  padding: clamp(48px, 8vw, 84px) 0;
}

.legal-content h2 {
  margin-top: 2rem;
  font-size: clamp(1.35rem, 3vw, 2rem);
}

.legal-content h2:first-child {
  margin-top: 0;
}

.legal-content p,
.legal-content li {
  color: var(--muted);
}

.legal-content a {
  color: var(--navy);
  font-weight: 800;
}

.legal-list {
  display: grid;
  gap: 0.85rem;
  margin: 0;
  padding: 0;
  list-style: none;
}

.legal-list li {
  padding: 1rem 1.15rem;
  border: 1px solid var(--line);
  border-left: 4px solid var(--gold);
  border-radius: 8px;
  background: white;
}

.parallax-reveal {
  opacity: 0;
  transform: translate3d(0, 22px, 0);
  transition: opacity 520ms ease, transform 520ms ease, box-shadow 180ms ease, border-color 180ms ease;
}

.parallax-reveal.is-visible {
  opacity: 1;
  transform: translate3d(0, 0, 0);
}

.card.parallax-reveal.is-visible:hover {
  transform: translateY(-2px);
}

.modal {
  position: fixed;
  inset: 0;
  z-index: 60;
  display: grid;
  place-items: center;
  padding: 1rem;
}

.modal[hidden] {
  display: none;
}

.modal-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(7, 31, 69, 0.66);
  backdrop-filter: blur(7px);
}

.privacy-modal {
  position: relative;
  z-index: 1;
  width: min(1040px, 100%);
  max-height: min(760px, calc(100vh - 32px));
  overflow: auto;
  padding: clamp(1.3rem, 4vw, 2.2rem);
  background: white;
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: 0 28px 90px rgba(0, 0, 0, 0.3);
}

.modal-close {
  position: sticky;
  top: 0;
  float: right;
  z-index: 2;
  width: 40px;
  height: 40px;
  border: 1px solid var(--line);
  border-radius: 50%;
  background: white;
  color: var(--navy);
  font-size: 1.4rem;
  line-height: 1;
  cursor: pointer;
}

.privacy-modal .section-heading {
  padding-right: 3rem;
}

.privacy-modal .section-heading h2 {
  font-size: clamp(1.8rem, 4vw, 3rem);
}

.cookie-banner {
  position: fixed;
  left: 50%;
  bottom: 1rem;
  z-index: 50;
  width: min(960px, calc(100% - 32px));
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 1rem;
  align-items: center;
  padding: 1rem;
  background: rgba(255, 255, 255, 0.96);
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: 0 22px 70px rgba(6, 31, 73, 0.2);
  transform: translateX(-50%);
}

.cookie-banner[hidden] {
  display: none;
}

.cookie-banner h2 {
  margin: 0 0 0.25rem;
  color: var(--navy);
  font-family: inherit;
  font-size: 1rem;
  line-height: 1.25;
}

.cookie-banner p {
  margin: 0;
  color: var(--muted);
  font-size: 0.92rem;
}

.cookie-actions {
  display: flex;
  gap: 0.6rem;
  align-items: center;
}

.site-footer {
  display: grid;
  grid-template-columns: minmax(260px, 0.8fr) minmax(320px, 1fr);
  gap: clamp(2rem, 6vw, 5rem);
  align-items: start;
  padding: clamp(2.4rem, 6vw, 4rem) max(16px, calc((100% - 1180px) / 2));
  background:
    linear-gradient(135deg, #061f49, #082b5f 58%, #0a315f);
  color: white;
}

.site-footer img {
  width: 168px;
  height: 56px;
  object-fit: contain;
  object-position: left center;
  background: white;
  border-radius: 8px;
  margin-bottom: 1rem;
  padding: 0.2rem 0.35rem;
}

.site-footer p {
  margin: 0;
  color: white;
  font-weight: 800;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.25rem;
}

.site-footer span,
.footer-note {
  color: rgba(255, 255, 255, 0.72) !important;
  font-weight: 500 !important;
}

.footer-contact {
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem 1.1rem;
  margin-top: 1.15rem;
  font-style: normal;
}

.site-footer .footer-contact a {
  color: #f3d38a;
}

.site-footer nav {
  display: grid;
  grid-template-columns: repeat(2, minmax(150px, 1fr));
  gap: 0.75rem 1.2rem;
  justify-items: start;
}

.site-footer a {
  color: rgba(255, 255, 255, 0.88);
  text-decoration: none;
  font-weight: 700;
  transition: color 180ms ease;
}

.site-footer a:hover {
  color: #f3d38a;
}

.site-footer button {
  padding: 0;
  border: 0;
  background: transparent;
  color: white;
  font: inherit;
  cursor: pointer;
}

.footer-note {
  grid-column: 1 / -1;
  padding-top: 1.2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.14);
  font-family: inherit !important;
  font-size: 0.92rem !important;
}

@media (max-width: 1100px) {
  .nav-toggle {
    display: block;
  }

  .nav-menu {
    position: absolute;
    top: 100%;
    right: 0;
    left: 0;
    display: none;
    padding: 0.75rem;
    flex-direction: column;
    align-items: stretch;
    background: white;
    border: 1px solid var(--line);
    border-radius: 8px;
    box-shadow: var(--shadow);
  }

  .nav-menu a {
    border-radius: 6px;
  }

  .nav-menu.open {
    display: flex;
  }

  .split,
  .fit-grid,
  .color-band-inner,
  .consultation {
    grid-template-columns: 1fr;
  }

  .image-feature {
    background-attachment: scroll;
    background-position: center;
  }

  .legal-hero {
    background-position: center;
  }

  .trust-band,
  .cards.three,
  .steps,
  .resource-grid,
  .rights-grid,
  .policy-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .problem-solution {
    grid-template-columns: 1fr;
  }

  .panel {
    min-height: 360px;
  }

  .site-footer {
    grid-template-columns: 1fr;
  }

  .site-footer nav {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  .hero-grid,
  .hero-slider,
  .parallax-reveal {
    transform: none !important;
    transition: none !important;
  }

  .parallax-reveal {
    opacity: 1;
  }

  .image-feature,
  .legal-hero {
    background-attachment: scroll;
    background-position: center !important;
  }
}

@media (max-width: 680px) {
  :root {
    --header-offset: 88px;
  }

  .contact-bar {
    display: none;
  }

  .nav {
    width: min(100% - 24px, 1180px);
  }

  .brand {
    font-size: 1rem;
  }

  .brand img {
    width: 50px;
    height: 50px;
  }

  .section,
  .image-feature,
  .color-band,
  .who-for,
  .process,
  .consultation,
  .consumer-rights,
  .faq-section,
  .services-section {
    padding-top: 62px;
    padding-bottom: 62px;
  }

  .image-feature {
    min-height: 420px;
  }

  .feature-documentation::before,
  .image-feature::before {
    background:
      linear-gradient(90deg, rgba(7, 31, 69, 0.76), rgba(7, 31, 69, 0.4)),
      linear-gradient(180deg, rgba(7, 31, 69, 0.1), rgba(7, 31, 69, 0.34));
  }

  .section {
    width: min(100% - 24px, 1180px);
  }

  .hero {
    min-height: calc(100vh - var(--header-offset));
    padding: 44px 0 54px;
  }

  .hero-grid {
    width: min(100% - 24px, 1180px);
    min-height: calc(100vh - var(--header-offset) - 110px);
  }

  .slide::after {
    background:
      linear-gradient(90deg, rgba(6, 31, 73, 0.94) 0%, rgba(6, 31, 73, 0.78) 58%, rgba(6, 31, 73, 0.58) 100%),
      linear-gradient(180deg, rgba(6, 31, 73, 0.32), rgba(6, 31, 73, 0.86));
  }

  .hero-actions {
    flex-direction: column;
  }

  .hero-actions .button {
    width: 100%;
  }

  .slide figcaption {
    left: 1rem;
    right: 1rem;
    bottom: 1rem;
    text-align: left;
  }

  .slider-controls {
    width: min(100%, 286px);
    margin-top: 1.4rem;
  }

  .trust-band,
  .cards.three,
  .steps,
  .why-grid,
  .resource-grid,
  .lead-form,
  .rights-grid,
  .policy-grid,
  .cookie-banner,
  .site-footer,
  .site-footer nav {
    grid-template-columns: 1fr;
  }

  .cookie-banner {
    align-items: stretch;
  }

  .cookie-actions {
    justify-content: stretch;
  }

  .cookie-actions .button {
    flex: 1;
  }

  .trust-band {
    margin-top: 0;
    width: 100%;
    border-radius: 0;
  }

  .trust-item {
    border-right: 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.16);
  }

  .lead-form label:nth-child(5),
  .lead-form label:nth-child(6),
  .lead-form .consent,
  .lead-form button {
    grid-column: auto;
  }

  .site-footer nav {
    justify-content: flex-start;
    gap: 0.65rem;
  }

  .faq-cta {
    flex-direction: column;
    align-items: stretch;
  }

  .faq-cta .button {
    width: 100%;
    justify-content: center;
  }
}