/* CSS Variables for Premium Color Scheme */
:root {
    /* Primary Colors (brand teal — used for links, accents, trust UI) */
    --primary-teal: #00A3A3;
    --primary-teal-dark: #008B8B;
    --primary-teal-light: #0891B2;

    /* Dark Colors */
    --navy-dark: #0A2540;
    --navy-medium: #1F2937;

    /* CTA / Action Colors (warm amber — reserved for primary call-to-action only) */
    --cta-amber: #F59E0B;
    --cta-amber-dark: #D97706;
    --cta-amber-light: #FBBF24;
    --cta-amber-shadow: 245, 158, 11;

    /* Accent Colors */
    --gold-accent: #F59E0B;
    --success-green: #10B981;
    --trustpilot-green: #00b67a;
    --warning-red: #DC2626;

    /* Neutral Colors */
    --gray-50: #F9FAFB;
    --gray-100: #F3F4F6;
    --gray-200: #E5E7EB;
    --gray-300: #D1D5DB;
    --gray-400: #9CA3AF;
    --gray-600: #6B7280;
    --gray-900: #1F2937;

    /* Background */
    --bg-primary: #FAFBFC;
    --bg-white: #FFFFFF;

    /* Text Colors */
    --text-primary: #0A2540;
    --text-secondary: #6B7280;
    --text-light: #9CA3AF;
}

/* Reset and Base Styles */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

body {
    font-family: 'Inter', 'Roboto', -apple-system, BlinkMacSystemFont, 'Segoe UI', system-ui, sans-serif;
    line-height: 1.5;
    color: var(--text-primary);
    overflow-x: hidden;
    background-color: var(--bg-primary);
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

/* Buttons */
.btn {
    padding: 14px 32px;
    border: none;
    border-radius: 30px;
    font-size: 16px;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    text-decoration: none;
    display: inline-block;
    position: relative;
    overflow: hidden;
}

.btn-with-arrow {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
    text-align: center;
}

.btn-with-arrow::after {
    content: '';
    width: 18px;
    height: 18px;
    flex-shrink: 0;
    background: url("data:image/svg+xml,%3Csvg width='18' height='18' viewBox='0 0 18 18' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M3.75 9H14.25' stroke='white' stroke-width='2' stroke-linecap='round'/%3E%3Cpath d='M9.75 4.5L14.25 9L9.75 13.5' stroke='white' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center / contain no-repeat;
    transition: transform 0.2s ease;
}

.btn-with-arrow:hover::after,
.btn-with-arrow:focus-visible::after {
    transform: translateX(4px);
}

.btn-primary {
    background: linear-gradient(135deg, var(--cta-amber) 0%, var(--cta-amber-dark) 100%);
    color: white;
    box-shadow: 0 4px 14px rgba(var(--cta-amber-shadow), 0.3);
    position: relative;
}

.btn-primary::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: linear-gradient(135deg, var(--cta-amber-light) 0%, var(--cta-amber) 100%);
    opacity: 0;
    transition: opacity 0.3s ease;
    z-index: -1;
    border-radius: 30px;
}

.btn-primary:hover {
    transform: translateY(-2px) scale(1.02);
    box-shadow: 0 8px 24px rgba(var(--cta-amber-shadow), 0.45);
}

.btn-primary:hover::before {
    opacity: 1;
}

.btn-primary span {
    position: relative;
    z-index: 1;
}

.btn-primary-large {
    padding: 18px 56px;
    font-size: 18px;
    background: linear-gradient(135deg, var(--cta-amber) 0%, var(--cta-amber-dark) 100%);
    color: white;
    box-shadow: 0 6px 20px rgba(var(--cta-amber-shadow), 0.35);
    animation: pulse-glow 2s ease-in-out infinite;
    position: relative;
}

.btn-primary-large::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: linear-gradient(135deg, var(--cta-amber-light) 0%, var(--cta-amber) 100%);
    opacity: 0;
    transition: opacity 0.3s ease;
    z-index: -1;
    border-radius: 30px;
}

.btn-primary-large:hover {
    transform: translateY(-3px) scale(1.02);
    box-shadow: 0 10px 30px rgba(var(--cta-amber-shadow), 0.5);
    animation: none;
}

.btn-primary-large:hover::before {
    opacity: 1;
}

@keyframes pulse-glow {
    0%, 100% {
        box-shadow: 0 6px 20px rgba(var(--cta-amber-shadow), 0.35);
    }
    50% {
        box-shadow: 0 6px 28px rgba(var(--cta-amber-shadow), 0.55);
    }
}

/* Keyboard focus — accessible ring applies to all buttons, links, inputs */
.btn:focus-visible,
.quiz-btn:focus-visible,
.nav-links a:focus-visible {
    outline: 3px solid var(--cta-amber);
    outline-offset: 3px;
}

/* Header */
.header {
    background: var(--bg-white);
    padding: 24px 0;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
    position: sticky;
    top: 0;
    z-index: 1000;
    transition: box-shadow 0.3s ease;
}

.header.scrolled {
    box-shadow: 0 4px 16px rgba(0, 0, 0, 0.12);
}

.header-top {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 20px;
}

.header-right {
    display: flex;
    align-items: center;
    gap: 20px;
}

.logo img {
    max-height: 60px;
    width: auto;
    display: block;
}

/* Navigation */
.nav {
    display: flex;
    align-items: center;
    gap: 40px;
}

.nav-links {
    display: flex;
    list-style: none;
    gap: 32px;
    margin: 0;
    padding: 0;
}

.nav-links li {
    margin: 0;
}

.nav-links a {
    color: var(--text-primary);
    text-decoration: none;
    font-size: 16px;
    font-weight: 600;
    transition: color 0.3s ease;
    position: relative;
    padding: 8px 0;
}

.nav-links a:hover {
    color: var(--primary-teal);
}

.nav-links a::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background: linear-gradient(90deg, var(--primary-teal) 0%, var(--primary-teal-light) 100%);
    transition: width 0.3s ease;
}

.nav-links a:hover::after,
.nav-links a.active::after {
    width: 100%;
}

.nav-links a.active {
    color: var(--primary-teal);
}

/* Mobile Menu Toggle */
.mobile-menu-toggle {
    display: none;
    flex-direction: column;
    gap: 6px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
    z-index: 1001;
}

.mobile-menu-toggle span {
    width: 28px;
    height: 3px;
    background: var(--primary-teal);
    border-radius: 3px;
    transition: all 0.3s ease;
}

.mobile-menu-toggle.active span:nth-child(1) {
    transform: rotate(45deg) translate(8px, 8px);
}

.mobile-menu-toggle.active span:nth-child(2) {
    opacity: 0;
}

.mobile-menu-toggle.active span:nth-child(3) {
    transform: rotate(-45deg) translate(7px, -7px);
}

/* Team Cards */
.team-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 8px 30px rgba(0, 163, 163, 0.15) !important;
}

/* Contact Form Styles */
#contactForm input:focus,
#contactForm select:focus,
#contactForm textarea:focus {
    outline: none;
    border-color: var(--primary-teal);
    box-shadow: 0 0 0 3px rgba(0, 163, 163, 0.1);
}

#contactForm input[type="checkbox"]:checked {
    accent-color: var(--primary-teal);
}

#contactForm label:has(input[type="checkbox"]):hover {
    background: var(--gray-100);
}

@keyframes spin {
    from { transform: rotate(0deg); }
    to { transform: rotate(360deg); }
}

.footer-logo img {
    max-height: 50px;
    width: auto;
    display: block;
    margin: 0 auto;
}

.trustpilot-badge {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 8px 16px;
    background: rgba(0, 182, 122, 0.08);
    border-radius: 20px;
}

.stars {
    display: flex;
    gap: 2px;
}

.star {
    color: var(--trustpilot-green);
    font-size: 18px;
}

.trustpilot-text {
    color: var(--trustpilot-green);
    font-weight: 600;
    font-size: 14px;
}

/* Benefits Banner */
.benefits-banner {
    background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy-medium) 100%);
    padding: 18px 0;
    position: relative;
    overflow: hidden;
}

.benefits-banner::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(90deg, transparent 0%, rgba(0, 163, 163, 0.1) 50%, transparent 100%);
    animation: shimmer 3s ease-in-out infinite;
}

@keyframes shimmer {
    0%, 100% { transform: translateX(-100%); }
    50% { transform: translateX(100%); }
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 20px;
    text-align: center;
    position: relative;
    z-index: 1;
}

.benefit-item {
    color: white;
    font-weight: 600;
    font-size: 15px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
}

.benefit-item::before {
    content: "✓";
    color: var(--success-green);
    font-size: 18px;
    font-weight: 700;
}

/* Hero Section */
.hero {
    background: linear-gradient(135deg, var(--navy-dark) 0%, var(--primary-teal-dark) 100%);
    padding: 100px 0;
    text-align: center;
    color: white;
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -10%;
    width: 500px;
    height: 500px;
    background: radial-gradient(circle, rgba(0, 163, 163, 0.15) 0%, transparent 70%);
    border-radius: 50%;
    animation: float 6s ease-in-out infinite;
}

.hero::after {
    content: '';
    position: absolute;
    bottom: -30%;
    left: -5%;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(245, 158, 11, 0.1) 0%, transparent 70%);
    border-radius: 50%;
    animation: float 8s ease-in-out infinite reverse;
}

@keyframes float {
    0%, 100% { transform: translateY(0px) translateX(0px); }
    50% { transform: translateY(-20px) translateX(10px); }
}

.hero .container {
    position: relative;
    z-index: 1;
}

.hero-title {
    font-size: 72px;
    font-weight: 800;
    margin-bottom: 24px;
    line-height: 1.2;
    letter-spacing: -0.02em;
}

.hero-subtitle {
    font-size: 22px;
    margin-bottom: 40px;
    opacity: 0.95;
    line-height: 1.5;
    max-width: 700px;
    margin-left: auto;
    margin-right: auto;
}

.security-note {
    margin-top: 24px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    font-size: 15px;
    opacity: 0.9;
}

.security-note svg {
    filter: drop-shadow(0 2px 4px rgba(0, 0, 0, 0.1));
}

/* Disclaimer */
.disclaimer {
    background: var(--navy-dark);
    padding: 20px 0;
    text-align: center;
    color: white;
    font-size: 13px;
    line-height: 1.6;
}

.disclaimer a {
    color: var(--primary-teal);
    text-decoration: underline;
    transition: color 0.2s ease;
}

.disclaimer a:hover {
    color: var(--primary-teal-light);
}

/* Money Helper Banner */
.money-helper-banner {
    background: var(--gray-100);
    padding: 15px 0;
    border-top: 1px solid var(--gray-200);
    border-bottom: 1px solid var(--gray-200);
}

.money-helper-content {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 15px;
    font-size: 15px;
    color: var(--text-primary);
}

.money-helper-logo {
    font-weight: 700;
    background: white;
    padding: 6px 16px;
    border-radius: 6px;
    color: var(--navy-dark);
    box-shadow: 0 2px 4px rgba(0, 0, 0, 0.08);
}

/* Reviews Section */
.reviews-section {
    background: linear-gradient(180deg, var(--gray-50) 0%, var(--gray-100) 100%);
    padding: 100px 0;
}

.section-title {
    text-align: center;
    font-size: 48px;
    color: var(--navy-dark);
    margin-bottom: 20px;
    font-weight: 800;
    line-height: 1.2;
    letter-spacing: -0.02em;
}

.section-subtitle {
    text-align: center;
    font-size: 20px;
    color: var(--text-secondary);
    margin-bottom: 60px;
    line-height: 1.6;
}

.reviews-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 30px;
    margin-bottom: 40px;
}

.review-card {
    background: white;
    padding: 35px;
    border-radius: 20px;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    position: relative;
}

.review-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--primary-teal) 0%, var(--primary-teal-light) 100%);
    border-radius: 20px 20px 0 0;
    opacity: 0;
    transition: opacity 0.3s ease;
}

.review-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 8px 30px rgba(0, 163, 163, 0.15);
}

.review-card:hover::before {
    opacity: 1;
}

.review-card .stars {
    margin-bottom: 18px;
}

.review-title {
    font-size: 19px;
    color: var(--navy-dark);
    margin-bottom: 16px;
    font-weight: 700;
    line-height: 1.4;
}

.review-text {
    font-size: 15px;
    color: var(--text-secondary);
    margin-bottom: 18px;
    line-height: 1.7;
}

.review-author {
    font-weight: 600;
    color: var(--primary-teal);
}

.review-dots {
    display: flex;
    justify-content: center;
    gap: 12px;
    margin: 40px 0;
}

.dot {
    width: 12px;
    height: 12px;
    border-radius: 50%;
    background: var(--gray-300);
    cursor: pointer;
    transition: all 0.3s ease;
}

.dot:hover {
    background: var(--gray-400);
    transform: scale(1.1);
}

.dot.active {
    background: var(--primary-teal);
    width: 32px;
    border-radius: 6px;
}

.review-footer {
    text-align: center;
    color: var(--text-secondary);
    font-size: 15px;
}

/* Process Section */
.process-section {
    background: white;
    padding: 100px 0;
    text-align: center;
}

.process-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 30px;
    margin: 60px 0;
    position: relative;
}

@media (max-width: 1200px) {
    .process-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 40px;
    }
}

@media (max-width: 768px) {
    .process-grid {
        grid-template-columns: 1fr;
    }
}

.process-card {
    text-align: center;
    position: relative;
    padding: 30px 20px;
    border: 2px solid var(--gray-200);
    border-radius: 20px;
    transition: all 0.3s ease;
}

.process-card:hover {
    border-color: var(--primary-teal);
    box-shadow: 0 8px 24px rgba(0, 163, 163, 0.15);
    transform: translateY(-4px);
}

.process-card::before {
    content: attr(data-step);
    position: absolute;
    top: -20px;
    left: 50%;
    transform: translateX(-50%);
    width: 50px;
    height: 50px;
    background: linear-gradient(135deg, var(--primary-teal) 0%, var(--primary-teal-light) 100%);
    color: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
    font-weight: 700;
    box-shadow: 0 4px 12px rgba(0, 163, 163, 0.3);
}

.process-icon {
    margin: 20px auto 20px;
    width: 80px;
    height: 100px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.process-title {
    font-size: 26px;
    color: var(--navy-dark);
    margin-bottom: 16px;
    font-weight: 700;
}

.process-description {
    font-size: 16px;
    color: var(--text-secondary);
    line-height: 1.6;
}

/* Debt Types Section */
.debt-types-section {
    background: var(--gray-50);
    padding: 100px 0;
}

.debt-types-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
    gap: 40px;
    margin-top: 60px;
}

.debt-type-item {
    text-align: center;
    transition: transform 0.3s ease;
}

.debt-type-item:hover {
    transform: translateY(-4px);
}

.debt-icon {
    width: 90px;
    height: 90px;
    margin: 0 auto 18px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: white;
    border-radius: 50%;
    box-shadow: 0 4px 16px rgba(0, 0, 0, 0.08);
    transition: all 0.3s ease;
}

.debt-type-item:hover .debt-icon {
    box-shadow: 0 6px 24px rgba(0, 163, 163, 0.2);
    background: linear-gradient(135deg, rgba(0, 163, 163, 0.05) 0%, white 100%);
}

.debt-type-label {
    font-size: 16px;
    color: var(--navy-dark);
    font-weight: 600;
}

/* Why Trust Section */
.why-trust-section {
    background: white;
    padding: 100px 0;
}

.why-trust-content {
    display: grid;
    grid-template-columns: 1fr 2fr;
    gap: 60px;
    align-items: start;
}

.why-trust-left {
    display: flex;
    flex-direction: column;
    gap: 35px;
}

.why-trust-left .section-title {
    text-align: left;
}

.why-trust-cards {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
}

.trust-card {
    background: white;
    padding: 32px;
    border-radius: 20px;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
    transition: all 0.3s ease;
    border: 2px solid var(--gray-100);
}

.trust-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 8px 30px rgba(0, 163, 163, 0.15);
    border-color: var(--primary-teal);
}

.trust-icon {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    margin-bottom: 18px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.blue-dot {
    background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy-medium) 100%);
}

.orange-dot {
    background: linear-gradient(135deg, var(--gold-accent) 0%, #F97316 100%);
}

.green-dot {
    background: linear-gradient(135deg, var(--success-green) 0%, #059669 100%);
}

.purple-dot {
    background: linear-gradient(135deg, var(--primary-teal) 0%, var(--primary-teal-light) 100%);
}

.trust-card-title {
    font-size: 17px;
    color: var(--navy-dark);
    margin-bottom: 12px;
    font-weight: 700;
    line-height: 1.4;
}

.highlight-orange {
    color: var(--gold-accent);
    font-weight: 800;
}

.highlight-purple {
    color: var(--primary-teal);
    font-weight: 800;
}

.trust-card-text {
    font-size: 14px;
    color: var(--text-secondary);
}

/* Debt Advice Section */
.debt-advice-section {
    background: var(--gray-50);
    padding: 100px 0;
}

.debt-advice-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 70px;
    align-items: center;
}

.debt-advice-image {
    position: relative;
}

.image-placeholder {
    width: 100%;
    height: 450px;
    background: linear-gradient(135deg, var(--primary-teal) 0%, var(--navy-dark) 100%);
    border-radius: 30px;
    overflow: hidden;
    position: relative;
    box-shadow: 0 12px 40px rgba(0, 163, 163, 0.25);
}

.image-placeholder img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.debt-advice-text .section-title {
    text-align: left;
    margin-bottom: 35px;
}

.debt-advice-list {
    list-style: none;
    margin-bottom: 35px;
}

.debt-advice-list li {
    padding: 14px 0;
    padding-left: 35px;
    position: relative;
    font-size: 17px;
    color: var(--text-primary);
    line-height: 1.6;
}

.debt-advice-list li::before {
    content: "✓";
    position: absolute;
    left: 0;
    color: var(--success-green);
    font-size: 24px;
    font-weight: 700;
    line-height: 1;
}

.debt-advice-list a {
    color: var(--primary-teal);
    text-decoration: underline;
    font-weight: 600;
}

.debt-advice-list a:hover {
    color: var(--primary-teal-dark);
}

/* IVA Example Section */
.iva-example-section {
    background: white;
    padding: 100px 0;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.iva-example-section::before {
    content: '';
    position: absolute;
    top: -50px;
    left: -50px;
    width: 300px;
    height: 300px;
    background: radial-gradient(circle, rgba(0, 163, 163, 0.08) 0%, transparent 70%);
    border-radius: 50%;
    z-index: 0;
}

.iva-example-section::after {
    content: '';
    position: absolute;
    bottom: -80px;
    right: -80px;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(245, 158, 11, 0.08) 0%, transparent 70%);
    border-radius: 50%;
    z-index: 0;
}

.iva-example-section .container {
    position: relative;
    z-index: 1;
}

.iva-comparison {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 50px;
    max-width: 1000px;
    margin: 60px auto;
}

.iva-card {
    background: var(--gray-50);
    padding: 45px;
    border-radius: 24px;
    position: relative;
    border: 2px solid var(--gray-200);
    transition: all 0.3s ease;
}

.iva-card:hover {
    border-color: var(--primary-teal);
    box-shadow: 0 8px 30px rgba(0, 163, 163, 0.15);
}

.iva-card::before {
    content: '';
    position: absolute;
    top: -25px;
    left: -25px;
    width: 140px;
    height: 140px;
    border-radius: 50%;
    z-index: -1;
    opacity: 0.6;
}

.iva-card.before::before {
    background: linear-gradient(135deg, var(--warning-red) 0%, #EF4444 100%);
}

.iva-card.after::before {
    background: linear-gradient(135deg, var(--success-green) 0%, #059669 100%);
}

.iva-card-title {
    font-size: 28px;
    color: var(--navy-dark);
    margin-bottom: 24px;
    font-weight: 800;
}

.iva-label {
    font-size: 16px;
    color: var(--text-secondary);
    margin-bottom: 12px;
}

.iva-amount {
    font-size: 52px;
    color: var(--warning-red);
    font-weight: 800;
}

.iva-results {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
}

.iva-percentage {
    font-size: 60px;
    color: var(--success-green);
    font-weight: 800;
}

.iva-payment {
    font-size: 52px;
    color: var(--primary-teal);
    font-weight: 800;
}

.iva-period {
    font-size: 14px;
    color: var(--text-secondary);
}

.disclaimer-text {
    font-size: 13px;
    color: var(--text-secondary);
    margin: 24px auto 8px;
    max-width: 1000px;
    line-height: 1.6;
}

.disclaimer-text a {
    color: var(--primary-teal);
    text-decoration: underline;
}

.disclaimer-text a:hover {
    color: var(--primary-teal-dark);
}

/* Testimonial Quote Section */
.testimonial-quote-section {
    background: linear-gradient(135deg, var(--navy-dark) 0%, var(--primary-teal-dark) 100%);
    padding: 100px 0;
    position: relative;
    overflow: hidden;
}

.testimonial-quote-section::before {
    content: '';
    position: absolute;
    top: 20%;
    left: -10%;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(0, 163, 163, 0.2) 0%, transparent 70%);
    border-radius: 50%;
    animation: float 10s ease-in-out infinite;
}

.testimonial-quote-card {
    max-width: 900px;
    margin: 0 auto;
    background: white;
    padding: 60px;
    border-radius: 30px;
    box-shadow: 0 12px 40px rgba(0, 0, 0, 0.2);
    text-align: center;
    position: relative;
    z-index: 1;
}

.trustpilot-stars {
    margin-bottom: 35px;
}

.trustpilot-stars .star {
    font-size: 28px;
}

.testimonial-text {
    font-size: 24px;
    line-height: 1.7;
    color: var(--text-primary);
    font-style: italic;
    margin-bottom: 30px;
}

.testimonial-author {
    font-size: 18px;
    font-weight: 700;
    color: var(--primary-teal);
}

/* FAQ Section */
.faq-section {
    background: var(--gray-50);
    padding: 100px 0;
}

.faq-list {
    max-width: 1000px;
    margin: 60px auto 0;
}

.faq-item {
    background: white;
    margin-bottom: 16px;
    border-radius: 16px;
    overflow: hidden;
    box-shadow: 0 2px 12px rgba(0, 0, 0, 0.06);
    transition: all 0.3s ease;
    border: 2px solid transparent;
}

.faq-item:hover {
    box-shadow: 0 4px 20px rgba(0, 163, 163, 0.12);
    border-color: var(--primary-teal);
}

.faq-item.open {
    border-color: var(--primary-teal);
}

.faq-question {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 28px 32px;
    cursor: pointer;
    background: white;
    transition: background 0.3s ease;
}

.faq-question:hover {
    background: var(--gray-50);
}

.faq-question h3 {
    font-size: 18px;
    color: var(--navy-dark);
    font-weight: 700;
    margin: 0;
    padding-right: 20px;
    line-height: 1.4;
}

.faq-toggle {
    font-size: 32px;
    color: var(--primary-teal);
    font-weight: 300;
    line-height: 1;
    min-width: 32px;
    text-align: center;
    transition: transform 0.3s ease;
}

.faq-item.open .faq-toggle {
    transform: rotate(180deg);
}

.faq-answer {
    display: none;
    padding: 0 32px 28px;
    color: var(--text-secondary);
    line-height: 1.8;
    font-size: 16px;
}

.faq-item.open .faq-answer {
    display: block;
    animation: slideDown 0.3s ease;
}

@keyframes slideDown {
    from {
        opacity: 0;
        transform: translateY(-10px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

/* Footer */
.footer {
    background: var(--navy-dark);
    padding: 60px 0;
    color: white;
    position: relative;
}

.footer::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--primary-teal) 0%, var(--primary-teal-light) 50%, var(--primary-teal) 100%);
}

.footer-content {
    text-align: center;
}

.footer-logo {
    margin-bottom: 32px;
}

.footer-logo img {
    background: white;
    padding: 16px 32px;
    border-radius: 8px;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
    max-width: 350px;
    width: auto;
    height: auto;
}

.footer-text {
    font-size: 14px;
    opacity: 0.8;
    color: rgba(255, 255, 255, 0.7);
}

/* Responsive Design */
@media (max-width: 768px) {
    .hero-title {
        font-size: 42px;
    }

    .section-title {
        font-size: 32px;
    }

    .why-trust-content {
        grid-template-columns: 1fr;
    }

    .why-trust-cards {
        grid-template-columns: repeat(2, 1fr) !important;
    }

    .debt-advice-content {
        grid-template-columns: 1fr;
    }

    .iva-comparison {
        grid-template-columns: 1fr;
    }

    .header-top {
        gap: 16px;
    }

    .mobile-menu-toggle {
        display: flex;
    }

    .nav {
        position: fixed;
        top: 0;
        right: -100%;
        height: 100vh;
        width: 300px;
        background: var(--bg-white);
        box-shadow: -4px 0 20px rgba(0, 0, 0, 0.1);
        transition: right 0.3s ease;
        padding: 100px 40px 40px;
        z-index: 999;
    }

    .nav.active {
        right: 0;
    }

    .nav-links {
        flex-direction: column;
        gap: 24px;
    }

    .nav-links a {
        font-size: 18px;
    }

    .header-right {
        gap: 12px;
    }

    .header-right .btn {
        padding: 12px 24px;
        font-size: 14px;
    }

    .benefits-banner {
        display: none;
    }

    .debt-advice-image {
        display: none;
    }

    .process-grid {
        grid-template-columns: 1fr;
    }

    .debt-types-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .testimonial-quote-card {
        padding: 40px 30px;
    }

    .hero {
        padding: 70px 0;
    }

    .reviews-section,
    .process-section,
    .debt-types-section,
    .why-trust-section,
    .debt-advice-section,
    .iva-example-section,
    .testimonial-quote-section,
    .faq-section {
        padding: 70px 0;
    }
}

@media (max-width: 768px) {
    .why-trust-cards {
        grid-template-columns: repeat(2, 1fr) !important;
    }
}

@media (max-width: 480px) {
    .btn-primary-large {
        padding: 16px 36px;
        font-size: 16px;
    }

    .testimonial-text {
        font-size: 18px;
    }

    .why-trust-cards {
        grid-template-columns: 1fr !important;
    }

    .iva-amount,
    .iva-payment {
        font-size: 38px;
    }

    .iva-percentage {
        font-size: 46px;
    }

    .hero-title {
        font-size: 36px;
    }

    .section-title {
        font-size: 28px;
    }

    .iva-card {
        padding: 30px 20px;
    }

    .testimonial-quote-card {
        padding: 30px 20px;
    }

    .faq-question {
        padding: 20px 20px;
    }

    .faq-answer {
        padding: 0 20px 20px;
    }
}

/* Smooth Scrolling */
html {
    scroll-behavior: smooth;
}

/* Selection Color */
::selection {
    background: var(--primary-teal);
    color: white;
}

::-moz-selection {
    background: var(--primary-teal);
    color: white;
}

/* What is Credit Resolve Section */
.what-is-section {
    padding: 80px 0;
    background: var(--bg-white);
}

.what-is-content {
    max-width: 900px;
    margin: 0 auto;
}

.what-is-intro {
    font-size: 18px;
    line-height: 1.8;
    color: var(--text-primary);
    margin-bottom: 30px;
    font-weight: 500;
}

.what-is-subheading {
    font-size: 24px;
    color: var(--primary-teal);
    margin: 30px 0 15px;
    font-weight: 700;
}

.what-is-list {
    list-style: none;
    padding: 0;
    margin: 20px 0;
}

.what-is-list li {
    padding: 15px 0 15px 40px;
    position: relative;
    font-size: 16px;
    line-height: 1.7;
    color: var(--text-secondary);
}

.what-is-list li::before {
    content: '✓';
    position: absolute;
    left: 0;
    top: 15px;
    width: 28px;
    height: 28px;
    background: linear-gradient(135deg, var(--success-green) 0%, var(--primary-teal) 100%);
    border-radius: 50%;
    color: white;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: bold;
    font-size: 14px;
}

.what-is-highlight {
    background: linear-gradient(135deg, #E89383 0%, var(--primary-teal) 100%);
    background: rgba(59, 155, 159, 0.1);
    border-left: 4px solid var(--primary-teal);
    padding: 30px;
    margin: 30px 0;
    border-radius: 8px;
}

.what-is-highlight h4 {
    font-size: 22px;
    color: var(--primary-teal);
    margin-bottom: 15px;
    font-weight: 700;
}

.what-is-highlight p {
    font-size: 16px;
    line-height: 1.7;
    color: var(--text-primary);
    margin: 0;
}

/* UK Debt Stats Section */
.uk-debt-stats-section {
    padding: 80px 0;
    background: linear-gradient(135deg, #F9F7F4 0%, #E8E6E3 100%);
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 40px;
    margin: 50px 0;
}

.stat-card {
    background: var(--bg-white);
    padding: 40px 30px;
    border-radius: 16px;
    text-align: center;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

.stat-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 8px 30px rgba(0, 0, 0, 0.12);
}

.stat-number {
    font-size: 48px;
    font-weight: 800;
    color: var(--primary-teal);
    margin-bottom: 10px;
    line-height: 1;
}

.stat-label {
    font-size: 18px;
    font-weight: 600;
    color: var(--text-primary);
    margin-bottom: 15px;
}

.stat-description {
    font-size: 14px;
    color: var(--text-secondary);
    line-height: 1.6;
}

/* Guarantee Section */
.guarantee-section {
    padding: 80px 0;
    background: var(--bg-white);
}

.guarantee-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(400px, 1fr));
    gap: 40px;
    margin: 50px 0;
}

.guarantee-card {
    background: var(--gray-50);
    padding: 40px;
    border-radius: 16px;
    border: 2px solid transparent;
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

.guarantee-card:hover {
    border-color: var(--primary-teal);
    transform: translateY(-4px);
    box-shadow: 0 8px 30px rgba(59, 155, 159, 0.15);
}

.guarantee-icon {
    margin-bottom: 25px;
    display: flex;
    justify-content: center;
}

.guarantee-title {
    font-size: 26px;
    font-weight: 700;
    color: var(--text-primary);
    margin-bottom: 20px;
    text-align: center;
}

.guarantee-text {
    font-size: 16px;
    line-height: 1.8;
    color: var(--text-secondary);
    margin-bottom: 15px;
}

.guarantee-note {
    font-size: 14px;
    color: var(--text-light);
    text-align: center;
}

.how-debts-reduced {
    margin-top: 60px;
    background: linear-gradient(135deg, rgba(59, 155, 159, 0.05) 0%, rgba(123, 169, 128, 0.05) 100%);
    padding: 40px;
    border-radius: 16px;
}

.how-debts-reduced h3 {
    font-size: 24px;
    font-weight: 700;
    color: var(--text-primary);
    margin-bottom: 30px;
    text-align: center;
}

.reduction-methods {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 25px;
}

.reduction-item {
    display: flex;
    align-items: center;
    gap: 15px;
    padding: 20px;
    background: var(--bg-white);
    border-radius: 12px;
    transition: all 0.3s ease;
}

.reduction-item:hover {
    transform: translateX(5px);
    box-shadow: 0 4px 15px rgba(59, 155, 159, 0.15);
}

.reduction-number {
    width: 40px;
    height: 40px;
    background: linear-gradient(135deg, var(--primary-teal) 0%, var(--success-green) 100%);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-weight: 700;
    font-size: 18px;
    flex-shrink: 0;
}

.reduction-text {
    font-size: 15px;
    color: var(--text-secondary);
    line-height: 1.5;
}

/* Process Grid for 5 steps */
.process-grid-five {
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
}

.process-duration {
    font-size: 13px;
    color: var(--success-green);
    font-weight: 600;
    margin-top: 10px;
    font-style: italic;
}

/* Debt Types Note */
.debt-types-note {
    margin-top: 40px;
    padding: 25px 30px;
    background: rgba(232, 147, 131, 0.1);
    border-left: 4px solid #E89383;
    border-radius: 8px;
}

.debt-types-note p {
    font-size: 15px;
    line-height: 1.7;
    color: var(--text-primary);
    margin: 0;
}

.debt-types-note strong {
    color: #E89383;
    font-weight: 700;
}

.debt-type-detail {
    font-size: 13px;
    color: var(--text-light);
    margin-top: 5px;
}

/* Footer Regulatory */
.footer-regulatory {
    margin: 20px 0;
    text-align: center;
}

.footer-regulatory .footer-text {
    margin: 10px 0;
    font-size: 13px;
    line-height: 1.6;
}

/* Mobile Responsive Updates */
@media (max-width: 768px) {
    .what-is-section {
        padding: 60px 0;
    }

    .what-is-intro {
        font-size: 16px;
    }

    .what-is-subheading {
        font-size: 20px;
    }

    .guarantee-grid {
        grid-template-columns: 1fr;
    }

    .guarantee-card {
        padding: 30px 20px;
    }

    .stats-grid {
        grid-template-columns: 1fr;
        gap: 25px;
    }

    .stat-number {
        font-size: 36px;
    }

    .reduction-methods {
        grid-template-columns: 1fr;
    }

    .process-grid-five {
        grid-template-columns: 1fr;
    }

    .how-debts-reduced {
        padding: 30px 20px;
    }

    /* Contact Page Responsive */
    .contact-form-wrapper {
        grid-template-columns: 1fr !important;
    }

    #contactForm label:has(input[type="checkbox"]) {
        font-size: 14px;
    }
}