/* Debtrex Solutions — shared stylesheet
   Design system: trustworthy, calm, educational financial services
   Brand palette derived from the Debtrex logo (royal navy + sky blue)
   ============================================================ */

:root {
  --navy: #14276E;
  --navy-deep: #0A1745;
  --navy-soft: #21449C;
  --sky: #2C97D9;
  --sky-dark: #1F77B5;
  --sky-soft: #E6F3FB;
  --bg: #F6F9FC;
  --bg-muted: #EAF1F8;
  --text: #1A2B49;
  --text-muted: #5C6B85;
  --text-light: #8492A8;
  --border: #E1E8F0;
  --border-strong: #C7D3E1;
  --white: #FFFFFF;
  --shadow-sm: 0 1px 2px rgba(20, 39, 110, 0.07);
  --shadow-md: 0 4px 16px rgba(20, 39, 110, 0.10);
  --shadow-lg: 0 12px 32px rgba(20, 39, 110, 0.13);
  --radius-sm: 4px;
  --radius: 6px;
  --radius-lg: 10px;
  --container: 1140px;
  --serif: 'Source Serif 4', Georgia, 'Times New Roman', serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: var(--text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* Top brand accent strip */
body::before {
  content: '';
  display: block;
  height: 4px;
  background: linear-gradient(90deg, var(--navy) 0%, var(--sky) 50%, var(--navy) 100%);
}

a { color: var(--sky-dark); text-decoration: none; }
a:hover { text-decoration: underline; }

h1, h2, h3, h4 {
  color: var(--navy);
  line-height: 1.25;
  margin: 0 0 0.5em;
}
h1, h2 {
  font-family: var(--serif);
  font-weight: 600;
  letter-spacing: -0.01em;
}
h3, h4 {
  font-weight: 700;
  letter-spacing: -0.01em;
}

h1 { font-size: 2.85rem; line-height: 1.16; }
h2 { font-size: 2.1rem; line-height: 1.22; }
h3 { font-size: 1.3rem; }
h4 { font-size: 1.1rem; }

p { margin: 0 0 1em; color: var(--text); }

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

/* ===== NAVIGATION ===== */
.nav {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  position: sticky;
  top: 0;
  z-index: 100;
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 24px;
  max-width: var(--container);
  margin: 0 auto;
}
.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  font-size: 1.25rem;
  color: var(--navy);
  letter-spacing: -0.02em;
}
.brand:hover { text-decoration: none; }
.brand-mark {
  width: 38px; height: 38px;
  object-fit: contain;
  display: block;
  flex-shrink: 0;
}
.nav-links { display: flex; align-items: center; gap: 28px; }
.nav-links a {
  color: var(--text);
  font-weight: 500;
  font-size: 0.95rem;
}
.nav-links a:hover { color: var(--navy); text-decoration: none; }
.nav-phone {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--navy);
  white-space: nowrap;
}
.nav-phone:hover { color: var(--sky-dark); text-decoration: none; }

/* ===== BUTTONS ===== */
.btn {
  display: inline-block;
  padding: 14px 28px;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: 1rem;
  border: none;
  cursor: pointer;
  transition: transform 0.05s ease, box-shadow 0.15s ease, background 0.15s ease;
  text-decoration: none;
  font-family: inherit;
}
.btn-primary {
  background: linear-gradient(135deg, var(--sky) 0%, var(--sky-dark) 100%);
  color: var(--white);
  box-shadow: 0 4px 14px rgba(44, 151, 217, 0.35);
}
.btn-primary:hover {
  background: var(--sky-dark);
  text-decoration: none;
  box-shadow: 0 7px 22px rgba(44, 151, 217, 0.48);
  transform: translateY(-1px);
}
.btn-primary:active { transform: translateY(0); }
.btn-secondary {
  background: var(--white);
  color: var(--navy);
  border: 1.5px solid var(--border-strong);
}
.btn-secondary:hover {
  border-color: var(--navy);
  text-decoration: none;
}
.btn-lg { padding: 18px 36px; font-size: 1.1rem; }
.btn-sm { padding: 10px 18px; font-size: 0.9rem; }
.btn-ghost {
  background: transparent;
  color: var(--text-muted);
  padding: 12px 18px;
}

/* ===== HERO ===== */
.hero {
  background: linear-gradient(180deg, #FFFFFF 0%, #EAF1F8 100%);
  padding: 44px 0 100px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -200px; right: -200px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(44, 151, 217, 0.12) 0%, transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -240px; left: -180px;
  width: 460px; height: 460px;
  background: radial-gradient(circle, rgba(33, 68, 156, 0.08) 0%, transparent 70%);
  pointer-events: none;
}

/* Hero banner spotlight */
.hero-banner {
  position: relative;
  text-align: center;
  margin-bottom: 44px;
}
.hero-banner img {
  width: 100%;
  max-width: 420px;
  height: auto;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
}
.hero h1 { margin-bottom: 20px; }
.hero-sub {
  font-size: 1.2rem;
  color: var(--text-muted);
  margin-bottom: 32px;
  max-width: 560px;
}
.hero-cta-row {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 28px;
}
.eyebrow {
  display: inline-block;
  background: var(--sky-soft);
  color: var(--sky-dark);
  font-size: 0.73rem;
  font-weight: 700;
  padding: 5px 12px;
  border: 1px solid rgba(44, 151, 217, 0.30);
  border-radius: var(--radius-sm);
  margin-bottom: 18px;
  letter-spacing: 0.13em;
  text-transform: uppercase;
}
.hero-trust {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
  color: var(--text-muted);
  font-size: 0.9rem;
}
.hero-trust span { display: flex; align-items: center; gap: 6px; }
.check {
  width: 18px; height: 18px;
  border-radius: 50%;
  background: var(--sky-soft);
  color: var(--sky-dark);
  display: inline-grid; place-items: center;
  font-size: 0.7rem; font-weight: 700;
}

.hero-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
  border-top: 3px solid var(--sky);
}
.hero-card h3 { margin-top: 0; }
.hero-card-list { padding: 0; margin: 0 0 24px; list-style: none; }
.hero-card-list li {
  padding: 14px 0;
  border-bottom: 1px solid var(--border);
  display: flex; justify-content: space-between;
  font-size: 0.95rem;
}
.hero-card-list li:last-child { border-bottom: none; }
.hero-card-list strong { color: var(--navy); }

/* ===== SECTIONS ===== */
.section { padding: 80px 0; }
.section-alt { background: var(--bg); }
.section-dark { background: var(--navy-deep); color: var(--white); }
.section-dark h1, .section-dark h2, .section-dark h3 { color: var(--white); }
.section-dark p { color: rgba(255, 255, 255, 0.8); }

.section-head { max-width: 720px; margin: 0 auto 56px; text-align: center; }
.section-head .eyebrow { margin-bottom: 12px; }
.section-head p { font-size: 1.1rem; color: var(--text-muted); }

/* ===== CARDS / GRIDS ===== */
.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  transition: transform 0.15s ease, box-shadow 0.15s ease, border-color 0.15s ease;
}
.card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: var(--border-strong);
}
.card-icon {
  width: 46px; height: 46px;
  border-radius: var(--radius);
  background: var(--navy);
  color: var(--white);
  display: grid; place-items: center;
  font-weight: 700;
  font-family: var(--serif);
  margin-bottom: 18px;
  font-size: 1.2rem;
}
.card h3 { margin-bottom: 8px; }
.card p { color: var(--text-muted); margin-bottom: 0; font-size: 0.95rem; }

/* Option cards with a bottom CTA */
.grid-4 .card { display: flex; flex-direction: column; }
.grid-4 .card p { flex-grow: 1; }
.card-cta {
  align-self: flex-start;
  margin-top: 20px;
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--sky-dark);
}
.card-cta:hover { color: var(--navy); text-decoration: none; }
.card-apply { align-self: flex-start; margin-top: 20px; }

/* ===== STEPS ===== */
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 40px;
}
.step {
  position: relative;
  padding: 32px;
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--border);
}
.step-num {
  position: absolute;
  top: -18px; left: 28px;
  width: 36px; height: 36px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  display: grid; place-items: center;
  font-weight: 700;
}
.step h3 { margin-top: 8px; }

/* ===== FAQ ===== */
.faq-list { max-width: 820px; margin: 0 auto; }
.faq-item {
  border-bottom: 1px solid var(--border);
  padding: 20px 0;
}
.faq-q {
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  font-weight: 600;
  color: var(--navy);
  font-size: 1.05rem;
  padding: 4px 0;
  user-select: none;
}
.faq-q::after {
  content: '+';
  font-size: 1.5rem;
  color: var(--text-muted);
  font-weight: 400;
  transition: transform 0.2s ease;
}
.faq-item.open .faq-q::after { content: '–'; }
.faq-a {
  display: none;
  padding: 12px 0 4px;
  color: var(--text-muted);
}
.faq-item.open .faq-a { display: block; }

/* ===== DISCLOSURE / WARN BANDS ===== */
.disclaimer-band {
  background: var(--bg-muted);
  border-top: 2px solid var(--navy);
  border-bottom: 1px solid var(--border);
  padding: 16px 0;
  font-size: 0.85rem;
  color: var(--text-muted);
}
.disclaimer-band p { color: var(--text-muted); margin: 0; }
.disclaimer-label {
  display: inline-block;
  background: var(--navy);
  color: var(--white);
  font-size: 0.64rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  padding: 3px 9px;
  border-radius: var(--radius-sm);
  margin-right: 9px;
  vertical-align: 1px;
}
.disclaimer-band a {
  color: var(--sky-dark);
  font-weight: 600;
  white-space: nowrap;
}

/* ===== CTA BANNER ===== */
.cta-banner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-soft) 100%);
  border-radius: var(--radius-lg);
  padding: 56px 48px;
  text-align: center;
  color: var(--white);
  margin: 60px 0;
}
.cta-banner h2 { color: var(--white); margin-bottom: 14px; }
.cta-banner p { color: rgba(255, 255, 255, 0.85); margin-bottom: 28px; max-width: 600px; margin-left: auto; margin-right: auto; }

/* ===== FOOTER ===== */
.footer {
  background: var(--navy-deep);
  color: rgba(255, 255, 255, 0.7);
  padding: 56px 0 24px;
  font-size: 0.9rem;
}
.footer h4 {
  color: var(--white);
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 16px;
}
.footer a { color: rgba(255, 255, 255, 0.7); }
.footer a:hover { color: var(--white); }
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}
.footer-links { list-style: none; padding: 0; margin: 0; }
.footer-links li { margin-bottom: 10px; }
.footer-legal {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 24px;
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.55);
  line-height: 1.7;
}
.footer-legal p { color: inherit; margin-bottom: 10px; }
.footer-contact {
  font-style: normal;
  margin-top: 16px;
  font-size: 0.85rem;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.6);
}
.footer-contact-addr { display: block; margin-bottom: 8px; }
.footer-contact a { display: block; color: rgba(255, 255, 255, 0.72); }
.footer-contact a:hover { color: var(--white); }

/* ===== QUIZ ===== */
.quiz-wrap {
  min-height: calc(100vh - 80px);
  background: var(--bg);
  padding: 40px 0 80px;
}
.quiz-container {
  max-width: 640px;
  margin: 0 auto;
  padding: 0 24px;
}
.quiz-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: 40px;
  border: 1px solid var(--border);
}
.progress-wrap {
  margin-bottom: 32px;
}
.progress-meta {
  display: flex;
  justify-content: space-between;
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-bottom: 8px;
  font-weight: 500;
}
.progress-bar {
  height: 6px;
  background: var(--bg-muted);
  border-radius: 999px;
  overflow: hidden;
}
.progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--sky) 0%, var(--sky-dark) 100%);
  border-radius: 999px;
  width: 0%;
  transition: width 0.35s cubic-bezier(0.4, 0, 0.2, 1);
}
.step-pane { display: none; animation: fadeIn 0.3s ease; }
.step-pane.active { display: block; }
@keyframes fadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}
.step-pane h2 {
  font-size: 1.6rem;
  margin-bottom: 8px;
}
.step-pane .step-sub {
  color: var(--text-muted);
  margin-bottom: 28px;
  font-size: 1rem;
}
.option-grid {
  display: grid;
  gap: 12px;
  margin-bottom: 28px;
}
.option {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 18px 20px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  cursor: pointer;
  font-weight: 500;
  color: var(--text);
  transition: all 0.12s ease;
  background: var(--white);
}
.option:hover {
  border-color: var(--sky);
  background: var(--sky-soft);
}
.option input[type="radio"] {
  appearance: none;
  width: 20px; height: 20px;
  border: 2px solid var(--border-strong);
  border-radius: 50%;
  margin: 0;
  cursor: pointer;
  position: relative;
  flex-shrink: 0;
}
.option input[type="radio"]:checked {
  border-color: var(--sky);
}
.option input[type="radio"]:checked::after {
  content: '';
  position: absolute;
  top: 3px; left: 3px;
  width: 10px; height: 10px;
  border-radius: 50%;
  background: var(--sky);
}
.option:has(input:checked) {
  border-color: var(--sky);
  background: var(--sky-soft);
}

.field { margin-bottom: 18px; }
.field label {
  display: block;
  font-weight: 600;
  margin-bottom: 6px;
  color: var(--navy);
  font-size: 0.92rem;
}
.field input[type="text"],
.field input[type="tel"],
.field input[type="email"],
.field input[type="date"],
.field select {
  width: 100%;
  padding: 13px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-size: 1rem;
  font-family: inherit;
  background: var(--white);
  color: var(--text);
  transition: border-color 0.12s ease;
}
.field input:focus, .field select:focus {
  outline: none;
  border-color: var(--sky);
  box-shadow: 0 0 0 3px rgba(44, 151, 217, 0.15);
}
.field-error {
  display: none;
  color: #C0392B;
  font-size: 0.85rem;
  margin-top: 6px;
}
.field.error input, .field.error select { border-color: #C0392B; }
.field.error .field-error { display: block; }

.consent-block {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 18px;
  margin-bottom: 20px;
  font-size: 0.82rem;
  line-height: 1.55;
  color: var(--text-muted);
}
.consent-block label {
  display: flex;
  gap: 12px;
  cursor: pointer;
  align-items: flex-start;
}
.consent-block input[type="checkbox"] {
  margin-top: 3px;
  width: 18px; height: 18px;
  accent-color: var(--sky);
  flex-shrink: 0;
}

.nav-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  margin-top: 28px;
  padding-top: 24px;
  border-top: 1px solid var(--border);
}
.nav-row .btn-ghost:hover { color: var(--navy); }

.honeypot {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

/* ===== LEGAL PAGES ===== */
.legal {
  max-width: 820px;
  margin: 0 auto;
  padding: 60px 24px 100px;
}
.legal h1 { margin-bottom: 8px; }
.legal .meta {
  color: var(--text-muted);
  font-size: 0.9rem;
  margin-bottom: 40px;
  padding-bottom: 20px;
  border-bottom: 1px solid var(--border);
}
.legal h2 {
  font-size: 1.4rem;
  margin-top: 40px;
  margin-bottom: 14px;
}
.legal h3 {
  font-size: 1.1rem;
  margin-top: 24px;
}
.legal p, .legal li { color: var(--text); font-size: 0.98rem; }
.legal ul, .legal ol { padding-left: 24px; margin-bottom: 16px; }
.legal li { margin-bottom: 8px; }

/* ===== THANK YOU ===== */
.thanks {
  max-width: 620px;
  margin: 80px auto;
  padding: 0 24px;
  text-align: center;
}
.thanks-mark {
  width: 72px; height: 72px;
  border-radius: 50%;
  background: var(--sky-soft);
  color: var(--sky-dark);
  display: grid; place-items: center;
  font-size: 2rem; font-weight: 800;
  margin: 0 auto 24px;
}

/* ===== COOKIE BANNER (US / CCPA) ===== */
.cookie-banner {
  position: fixed;
  bottom: 20px;
  left: 20px;
  right: 20px;
  max-width: 760px;
  margin: 0 auto;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: 0 10px 40px rgba(20, 39, 110, 0.20);
  padding: 20px 24px;
  z-index: 9999;
  display: none;
  animation: slideUp 0.35s ease;
}
.cookie-banner.show { display: block; }
@keyframes slideUp {
  from { transform: translateY(20px); opacity: 0; }
  to { transform: translateY(0); opacity: 1; }
}
.cookie-banner-row {
  display: flex;
  gap: 20px;
  align-items: center;
  flex-wrap: wrap;
}
.cookie-banner-text {
  flex: 1;
  min-width: 260px;
  font-size: 0.9rem;
  color: var(--text);
  line-height: 1.55;
}
.cookie-banner-text strong { color: var(--navy); }
.cookie-banner-text a { color: var(--sky-dark); font-weight: 500; }
.cookie-banner-btns {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}
.cookie-banner-btns .btn {
  padding: 10px 18px;
  font-size: 0.9rem;
}
.cookie-banner-btns .btn-secondary {
  padding: 9px 16px;
}

/* Cookie preference modal */
.cookie-modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(10, 23, 69, 0.55);
  z-index: 10000;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 20px;
  animation: fadeIn 0.2s ease;
}
.cookie-modal-overlay.show { display: flex; }
.cookie-modal {
  background: var(--white);
  border-radius: var(--radius-lg);
  max-width: 560px;
  width: 100%;
  max-height: 90vh;
  overflow-y: auto;
  padding: 32px;
  box-shadow: var(--shadow-lg);
}
.cookie-modal h3 { margin-bottom: 8px; }
.cookie-modal > p {
  color: var(--text-muted);
  font-size: 0.92rem;
  margin-bottom: 20px;
}
.cookie-category {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 16px 18px;
  margin-bottom: 12px;
}
.cookie-category-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  margin-bottom: 6px;
}
.cookie-category-head strong { color: var(--navy); font-size: 0.98rem; }
.cookie-category p {
  margin: 0;
  font-size: 0.85rem;
  color: var(--text-muted);
}
.cookie-toggle {
  position: relative;
  width: 42px;
  height: 24px;
  background: var(--border-strong);
  border-radius: 999px;
  cursor: pointer;
  transition: background 0.15s ease;
  flex-shrink: 0;
}
.cookie-toggle.on { background: var(--sky); }
.cookie-toggle.disabled { background: var(--sky); opacity: 0.55; cursor: not-allowed; }
.cookie-toggle::after {
  content: '';
  position: absolute;
  top: 3px; left: 3px;
  width: 18px; height: 18px;
  border-radius: 50%;
  background: var(--white);
  transition: transform 0.15s ease;
  box-shadow: 0 1px 3px rgba(0,0,0,0.18);
}
.cookie-toggle.on::after, .cookie-toggle.disabled::after { transform: translateX(18px); }
.cookie-modal-footer {
  display: flex;
  gap: 8px;
  margin-top: 20px;
  flex-wrap: wrap;
}
.cookie-modal-footer .btn { flex: 1; min-width: 130px; }

/* Footer "Do Not Sell or Share" pill */
.dns-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.18);
  padding: 6px 12px;
  border-radius: 999px;
  font-size: 0.82rem;
  margin-top: 4px;
}
.dns-link::before {
  content: '🛡';
  font-size: 0.9rem;
}

/* ===== ADVERTORIAL ===== */
.advertorial {
  max-width: 740px;
  margin: 0 auto;
  padding: 56px 24px 80px;
}
.adv-meta {
  display: flex;
  gap: 14px;
  align-items: center;
  margin-bottom: 24px;
  font-size: 0.88rem;
  color: var(--text-muted);
}
.adv-meta .pub-tag {
  background: var(--bg-muted);
  padding: 4px 10px;
  border-radius: 4px;
  font-weight: 600;
  color: var(--navy);
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.advertorial h1 {
  font-size: 2.2rem;
  line-height: 1.2;
  margin-bottom: 14px;
}
.adv-dek {
  font-size: 1.15rem;
  color: var(--text-muted);
  line-height: 1.55;
  margin-bottom: 32px;
}
.adv-byline {
  display: flex;
  gap: 12px;
  align-items: center;
  padding: 16px 0;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  margin-bottom: 36px;
}
.adv-byline-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--sky-dark));
  display: grid; place-items: center;
  color: var(--white);
  font-weight: 700;
}
.adv-byline-text {
  font-size: 0.9rem;
  color: var(--text-muted);
}
.adv-byline-text strong { color: var(--navy); display: block; font-size: 0.95rem; }
.advertorial h2 {
  font-size: 1.55rem;
  margin-top: 40px;
  margin-bottom: 14px;
}
.advertorial p, .advertorial li {
  font-size: 1.05rem;
  line-height: 1.7;
  color: var(--text);
}
.advertorial blockquote {
  border-left: 4px solid var(--sky);
  background: var(--sky-soft);
  padding: 16px 20px;
  margin: 24px 0;
  border-radius: 0 var(--radius) var(--radius) 0;
  font-style: italic;
  color: var(--navy);
}
.adv-inline-cta {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px 28px;
  margin: 32px 0;
  text-align: center;
}
.adv-inline-cta h3 { margin-bottom: 8px; }
.adv-inline-cta p { margin-bottom: 16px; color: var(--text-muted); }
.adv-disclaimer {
  font-size: 0.82rem;
  color: var(--text-muted);
  background: var(--bg-muted);
  border: 1px solid var(--border);
  border-left: 3px solid var(--navy);
  border-radius: var(--radius);
  padding: 18px 20px;
  margin-top: 40px;
  line-height: 1.6;
}

/* ===== BLOG ===== */
.blog-hero {
  background: linear-gradient(180deg, #FFFFFF 0%, #EAF1F8 100%);
  padding: 56px 0 60px;
  text-align: center;
  border-bottom: 1px solid var(--border);
}
.blog-hero .eyebrow { margin-bottom: 14px; }
.blog-hero h1 { max-width: 720px; margin: 0 auto 14px; }
.blog-hero p {
  font-size: 1.15rem;
  color: var(--text-muted);
  max-width: 600px;
  margin: 0 auto;
}
.blog-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.blog-card {
  display: flex;
  flex-direction: column;
  background: var(--white);
  border: 1px solid var(--border);
  border-top: 3px solid var(--sky);
  border-radius: var(--radius);
  padding: 30px;
  text-decoration: none;
  transition: transform 0.15s ease, box-shadow 0.15s ease, border-color 0.15s ease;
}
.blog-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  text-decoration: none;
}
.blog-card-num {
  width: 42px; height: 42px;
  border-radius: var(--radius);
  background: var(--navy);
  color: var(--white);
  display: grid; place-items: center;
  font-family: var(--serif);
  font-weight: 700;
  font-size: 1.1rem;
  margin-bottom: 18px;
}
.blog-card-tag {
  font-size: 0.71rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.11em;
  color: var(--sky-dark);
  margin-bottom: 8px;
}
.blog-card h3 {
  font-family: var(--serif);
  font-weight: 600;
  font-size: 1.4rem;
  color: var(--navy);
  margin-bottom: 10px;
}
.blog-card p {
  color: var(--text-muted);
  font-size: 0.95rem;
  margin-bottom: 20px;
  flex-grow: 1;
}
.blog-card-more {
  font-weight: 700;
  color: var(--sky-dark);
  font-size: 0.92rem;
}
.blog-card:hover .blog-card-more { color: var(--navy); }

/* Back-to-guides link on article pages */
.adv-back {
  display: inline-block;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--sky-dark);
  margin-bottom: 18px;
}

/* ===== PARTNERS & AFFILIATES ===== */
.partner-logos {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 14px;
  margin-bottom: 18px;
}
.partner-logo {
  display: flex;
  align-items: center;
  gap: 11px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 14px 20px;
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--navy);
  box-shadow: var(--shadow-sm);
}
.partner-logo-mark {
  width: 34px; height: 34px;
  border-radius: var(--radius-sm);
  background: linear-gradient(135deg, var(--navy), var(--sky-dark));
  color: var(--white);
  display: grid; place-items: center;
  font-family: var(--serif);
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  flex-shrink: 0;
}
.partner-note {
  text-align: center;
  font-size: 0.85rem;
  color: var(--text-light);
  margin: 0 0 52px;
}
.partner-cta {
  display: grid;
  grid-template-columns: 1.25fr 1fr;
  gap: 44px;
  align-items: center;
  background: var(--white);
  border: 1px solid var(--border);
  border-top: 3px solid var(--sky);
  border-radius: var(--radius-lg);
  padding: 44px;
}
.partner-cta .eyebrow { margin-bottom: 12px; }
.partner-cta h3 { font-size: 1.55rem; margin-bottom: 10px; }
.partner-cta-text > p { color: var(--text-muted); margin-bottom: 20px; }
.partner-benefits {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 11px;
}
.partner-benefits li {
  display: flex;
  gap: 11px;
  align-items: flex-start;
  font-size: 0.95rem;
  color: var(--text);
}
.partner-benefits li::before {
  content: '\2713';
  color: var(--sky-dark);
  font-weight: 800;
  flex-shrink: 0;
}
.partner-cta-card {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 30px 28px;
  text-align: center;
}
.partner-cta-card h4 { margin-bottom: 8px; }
.partner-cta-card p { font-size: 0.88rem; color: var(--text-muted); margin-bottom: 20px; }
.partner-cta-card .btn { width: 100%; text-align: center; }
.partner-audience {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  margin: 0 0 44px;
}
.partner-audience .audience-tag {
  text-align: center;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 18px;
  font-size: 0.92rem;
  color: var(--text-muted);
}
.partner-audience .audience-tag strong {
  display: block;
  color: var(--navy);
  font-size: 1rem;
  margin-bottom: 4px;
}

/* ===== PARTNERS PAGE ===== */
.partner-hero {
  background: linear-gradient(160deg, var(--navy-deep) 0%, var(--navy) 60%, var(--navy-soft) 100%);
  color: var(--white);
  padding: 60px 0 68px;
  position: relative;
  overflow: hidden;
}
.partner-hero::before {
  content: '';
  position: absolute;
  top: -180px; right: -160px;
  width: 460px; height: 460px;
  background: radial-gradient(circle, rgba(44,151,217,0.28) 0%, transparent 70%);
  pointer-events: none;
}
.partner-hero .container { position: relative; }
.partner-hero-head { max-width: 780px; margin: 0 auto; text-align: center; }
.partner-hero h1 { color: var(--white); margin-bottom: 18px; }
.partner-hero .eyebrow {
  background: rgba(255, 255, 255, 0.10);
  color: #BCD9F0;
  border-color: rgba(255, 255, 255, 0.28);
}
.partner-hero p {
  color: rgba(255, 255, 255, 0.82);
  font-size: 1.18rem;
  margin: 0 auto 30px;
  max-width: 640px;
}
.partner-hero-cta { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

.stat-band {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-top: 52px;
  padding-top: 40px;
  border-top: 1px solid rgba(255, 255, 255, 0.14);
}
.stat { text-align: center; }
.stat-num {
  font-family: var(--serif);
  font-size: 2.5rem;
  font-weight: 700;
  color: var(--white);
  line-height: 1.1;
}
.stat-label {
  color: rgba(255, 255, 255, 0.66);
  font-size: 0.9rem;
  margin-top: 4px;
}

/* Payout tiers */
.tier-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.tier {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
}
.tier.featured {
  border-color: var(--sky);
  border-top: 3px solid var(--sky);
  box-shadow: var(--shadow-md);
}
.tier-badge {
  align-self: flex-start;
  background: var(--sky-soft);
  color: var(--sky-dark);
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  padding: 4px 10px;
  border-radius: var(--radius-sm);
  margin-bottom: 12px;
}
.tier-name {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 2px;
}
.tier-rate {
  font-family: var(--serif);
  font-size: 2rem;
  font-weight: 700;
  color: var(--navy);
  margin: 10px 0 2px;
}
.tier-rate span {
  display: block;
  font-family: 'Inter', sans-serif;
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--text-light);
  margin-top: 2px;
}
.tier-desc { font-size: 0.9rem; color: var(--text-muted); margin-bottom: 18px; }
.tier-list {
  list-style: none;
  padding: 0;
  margin: 0 0 22px;
  display: grid;
  gap: 9px;
  flex-grow: 1;
}
.tier-list li {
  display: flex;
  gap: 9px;
  font-size: 0.9rem;
  color: var(--text);
  align-items: flex-start;
}
.tier-list li::before {
  content: '\2713';
  color: var(--sky-dark);
  font-weight: 800;
  flex-shrink: 0;
}
.tier .btn { width: 100%; text-align: center; }

/* Partner testimonials */
.ptestimonial {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
}
.ptestimonial-quote {
  font-family: var(--serif);
  font-size: 1.02rem;
  line-height: 1.6;
  color: var(--text);
  font-style: italic;
  margin-bottom: 18px;
}
.ptestimonial-by { display: flex; align-items: center; gap: 12px; }
.ptestimonial-avatar {
  width: 42px; height: 42px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--sky-dark));
  color: var(--white);
  display: grid; place-items: center;
  font-weight: 700;
  font-size: 0.85rem;
  flex-shrink: 0;
}
.ptestimonial-by strong { display: block; color: var(--navy); font-size: 0.92rem; }
.ptestimonial-by span { font-size: 0.82rem; color: var(--text-light); }

/* Partner application box */
.apply-box {
  max-width: 720px;
  margin: 0 auto;
  background: var(--white);
  border: 1px solid var(--border);
  border-top: 3px solid var(--sky);
  border-radius: var(--radius-lg);
  padding: 40px;
}
#pf-form-wrap { text-align: center; }
.apply-box h3 { font-size: 1.55rem; margin-bottom: 10px; }
#pf-form-wrap > p { color: var(--text-muted); }

/* Partner application form */
.partner-form { text-align: left; margin-top: 22px; }
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0 16px;
}
.partner-form .field textarea {
  width: 100%;
  padding: 13px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-size: 1rem;
  font-family: inherit;
  background: var(--white);
  color: var(--text);
  resize: vertical;
  transition: border-color 0.12s ease;
}
.partner-form .field textarea:focus {
  outline: none;
  border-color: var(--sky);
  box-shadow: 0 0 0 3px rgba(44, 151, 217, 0.15);
}
.partner-form .field.error textarea { border-color: #C0392B; }
.partner-form .consent-block { margin-top: 4px; }
.consent-block.consent-error { border-color: #C0392B; }
.consent-block .field-error { display: none; margin-top: 8px; }
.consent-block.consent-error .field-error { display: block; }
.form-status {
  margin: 14px 0 0;
  font-size: 0.9rem;
  text-align: center;
  color: var(--text-muted);
}
.form-status.error { color: #C0392B; }
.form-status a { color: var(--sky-dark); font-weight: 600; }

/* Partner application success */
.partner-success { display: none; text-align: center; }
.partner-success .thanks-mark { margin: 0 auto 18px; }
.partner-success h3 { font-size: 1.55rem; margin-bottom: 8px; }
.partner-success p { color: var(--text-muted); margin: 0 auto; max-width: 460px; }

/* ===== RESPONSIVE ===== */
@media (max-width: 900px) {
  h1 { font-size: 2rem; }
  h2 { font-size: 1.6rem; }
  .hero { padding: 32px 0 56px; }
  .hero-banner { margin-bottom: 28px; }
  .hero-banner img { max-width: 300px; }
  .hero-grid { grid-template-columns: 1fr; gap: 32px; }
  .grid-3, .grid-2, .grid-4, .steps, .blog-grid { grid-template-columns: 1fr; }
  .partner-cta { grid-template-columns: 1fr; gap: 28px; padding: 28px; }
  .partner-audience { grid-template-columns: 1fr; }
  .tier-grid { grid-template-columns: 1fr; }
  .stat-band { grid-template-columns: repeat(2, 1fr); gap: 28px 20px; }
  .apply-box { padding: 28px; }
  .partner-hero { padding: 44px 0 52px; }
  .partner-hero p { font-size: 1.06rem; }
  .blog-hero { padding: 40px 0 44px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px; }
  .nav-links { display: flex; gap: 12px; }
  .nav-links a:not(.btn):not(.btn-ghost):not(.nav-phone) { display: none; }
  .nav-phone-text { display: none; }
  .nav-phone svg { width: 20px; height: 20px; }
  .section { padding: 56px 0; }
  .cta-banner { padding: 40px 24px; }
  .quiz-card { padding: 28px 22px; }
}
@media (max-width: 560px) {
  .footer-grid { grid-template-columns: 1fr; }
  .hero-cta-row { flex-direction: column; }
  .hero-cta-row .btn { width: 100%; text-align: center; }
  .form-row { grid-template-columns: 1fr; }
  .partner-hero { padding: 34px 0 44px; }
  .partner-hero-cta { flex-direction: column; }
  .partner-hero-cta .btn { width: 100%; text-align: center; }
  .stat-band { margin-top: 34px; padding-top: 28px; gap: 24px 14px; }
  .stat-num { font-size: 1.95rem; }
  .apply-box { padding: 24px 18px; }
}