/* Debt Recycling Loans — shared site styles.
   Single source of truth for the trust, about, and legal pages.
   Design tokens mirror the homepage. */
:root{
  --pine:#142A4D; --pine-deep:#0B1930; --pine-mid:#C9A24C;
  --sage:#F4EFE6; --sage-line:#E1D6BE; --cream:#FBFAF5;
  --ink:#201C16; --muted:#6B6558; --white:#FFFFFF; --error:#A6472F;
  --font:'Libre Franklin', system-ui, sans-serif; --mono:'DM Mono','Courier New',monospace;
}
*{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{background:var(--cream);font-family:var(--font);color:var(--ink);line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden;}
img{max-width:100%;}
.wrap{max-width:800px;margin:0 auto;padding:0 20px;}
.wrap-wide{max-width:1000px;margin:0 auto;padding:0 20px;}
a{color:var(--pine-mid);}
h1,h2,h3{color:var(--pine);font-weight:800;letter-spacing:-0.01em;}
h2{font-size:26px;margin:52px 0 16px;padding-top:8px;border-top:1px solid var(--sage-line);}
h2:first-of-type{border-top:none;padding-top:0;}
h3{font-size:18px;margin:26px 0 10px;}
p{margin-bottom:14px;font-size:15.5px;color:var(--ink);}
ul,ol{margin:0 0 16px 22px;font-size:15.5px;}
li{margin-bottom:8px;}
strong{color:var(--pine);}

/* TOP BAR */
.topbar{background:var(--pine);padding:16px 0;}
.topbar-inner{max-width:1000px;margin:0 auto;padding:0 20px;display:flex;align-items:center;justify-content:space-between;}
.wordmark{display:flex;flex-direction:column;line-height:1.05;text-decoration:none;}
.wordmark span{font-size:13px;font-weight:700;letter-spacing:0.08em;text-transform:uppercase;color:#fff;}
.wordmark span.sub{font-size:10px;font-weight:500;letter-spacing:0.14em;color:#A9C4B3;margin-top:1px;}
.nav-links{display:flex;gap:22px;align-items:center;}
.nav-links a{color:#C7CFDE;text-decoration:none;font-size:13px;font-weight:600;}
.powered-by{display:flex;align-items:center;gap:6px;font-size:10.5px;color:#8FA0BC;white-space:nowrap;padding-left:18px;margin-left:4px;border-left:1px solid rgba(255,255,255,0.18);}
.powered-by img{height:28px;width:auto;display:block;opacity:1;filter:drop-shadow(0 0 8px rgba(255,255,255,0.55)) brightness(1.15);}
.nav-cta{background:#F5CC5E!important;color:var(--pine-deep)!important;padding:10px 20px;border-radius:8px;font-weight:800;box-shadow:0 4px 16px rgba(245,204,94,0.55);transition:transform .12s, box-shadow .12s;}
.nav-cta:hover{transform:translateY(-1px);box-shadow:0 6px 22px rgba(245,204,94,0.65);}
@media (max-width:760px){ .nav-links a:not(.nav-cta){display:none;} .powered-by{display:none;} }

/* HERO */
.hero{background:linear-gradient(160deg,var(--pine) 0%,var(--pine-deep) 100%);padding:56px 0 52px;position:relative;overflow:hidden;color:#fff;}
.hero-inner{max-width:800px;margin:0 auto;padding:0 20px;position:relative;z-index:1;}
.mobius{position:absolute;top:-60px;right:-80px;width:420px;height:300px;opacity:0.08;pointer-events:none;}
.eyebrow{font-size:11.5px;font-weight:700;letter-spacing:0.16em;text-transform:uppercase;color:#D9BF7A;margin-bottom:14px;}
.hero h1{color:#fff;font-size:34px;line-height:1.18;margin-bottom:16px;}
.hero-lede{color:#C7CFDE;font-size:16.5px;max-width:640px;margin-bottom:26px;}
.hero-meta{display:flex;gap:18px;flex-wrap:wrap;font-size:12.5px;color:#B9C2D2;margin-bottom:28px;}
.hero-meta span{display:flex;align-items:center;gap:6px;}
.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 26px;border-radius:9px;border:none;font-family:var(--font);font-size:15px;font-weight:700;cursor:pointer;text-decoration:none;transition:opacity .15s, transform .12s;}
.btn:hover{opacity:0.92;transform:translateY(-1px);}
.btn-primary{background:#fff;color:var(--pine);}
.btn-outline{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,0.4);}
.hero-btns{display:flex;gap:12px;flex-wrap:wrap;}

/* GENERIC SECTION HELPERS */
.section{padding:6px 0 8px;}
.lede{font-size:17px;color:var(--ink);max-width:680px;margin:0 auto 8px;}
.center{text-align:center;}
.highlight-box{background:var(--sage);border:1.5px solid var(--sage-line);border-left:5px solid var(--pine-mid);border-radius:10px;padding:20px 22px;margin:18px 0 24px;}
.highlight-box p:last-child{margin-bottom:0;}
.eyebrow-dark{font-size:11.5px;font-weight:700;letter-spacing:0.16em;text-transform:uppercase;color:var(--pine-mid);margin-bottom:10px;}

/* PROFILE CARDS */
.profile-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:20px 0 26px;}
.profile-grid.three{grid-template-columns:repeat(3,1fr);}
@media (max-width:820px){ .profile-grid.three{grid-template-columns:1fr;} }
@media (max-width:640px){ .profile-grid{grid-template-columns:1fr;} }
.profile-card{background:var(--white);border:1.5px solid var(--sage-line);border-radius:14px;padding:24px 22px;}
.profile-avatar{width:100%;max-width:220px;aspect-ratio:1/1;object-fit:cover;border-radius:12px;display:block;margin:0 0 16px;background:var(--sage);}
.profile-card h3{margin:0 0 2px;font-size:20px;}
.profile-role{font-size:12.5px;font-weight:700;color:var(--pine-mid);text-transform:uppercase;letter-spacing:0.04em;margin-bottom:12px;}
.profile-card p{font-size:14px;margin-bottom:10px;}
.profile-card p:last-child{margin-bottom:0;}
.profile-links{margin-top:12px;font-size:13px;font-weight:700;}
.profile-links a{text-decoration:none;}

/* FOUNDER LAYOUT */
.founder-split{display:grid;grid-template-columns:300px 1fr;gap:34px;align-items:start;margin:8px 0 20px;}
@media (max-width:720px){ .founder-split{grid-template-columns:1fr;} }
.founder-photo{width:100%;border-radius:16px;object-fit:cover;box-shadow:0 14px 36px rgba(11,25,48,0.22);background:var(--sage);}
.founder-badges{display:flex;flex-direction:column;gap:10px;margin-top:16px;}
.badge{background:var(--sage);border:1px solid var(--sage-line);border-radius:10px;padding:10px 14px;font-size:12.5px;color:var(--muted);}
.badge b{color:var(--pine);}

/* VALUES GRID */
.value-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:18px 0 26px;}
@media (max-width:640px){ .value-grid{grid-template-columns:1fr;} }
.value-card{background:var(--white);border:1.5px solid var(--sage-line);border-radius:12px;padding:22px 22px;}
.value-card .k{font-size:11px;font-weight:800;letter-spacing:0.1em;text-transform:uppercase;color:var(--pine-mid);margin-bottom:8px;}
.value-card h3{margin:0 0 8px;font-size:17px;}
.value-card p{font-size:14px;margin-bottom:0;color:var(--muted);}

/* STATS ROW */
.stat-row{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:20px 0 26px;}
@media (max-width:600px){ .stat-row{grid-template-columns:1fr;} }
.stat{background:var(--sage);border-radius:12px;padding:20px;text-align:center;}
.stat .v{font-family:var(--mono);font-weight:800;font-size:24px;color:var(--pine);}
.stat .l{font-size:12px;color:var(--muted);margin-top:6px;}

/* REVIEWS BAND */
.reviews-band{display:flex;align-items:center;gap:16px;background:var(--sage);border:1.5px solid var(--sage-line);border-radius:12px;padding:20px 22px;margin:24px 0;flex-wrap:wrap;}
.reviews-stars{font-size:22px;letter-spacing:2px;color:#F0B429;flex-shrink:0;}
.reviews-copy{flex:1;min-width:200px;}
.reviews-copy .headline{font-weight:800;color:var(--pine);font-size:15.5px;}
.reviews-copy .sub{font-size:12.5px;color:var(--muted);margin-top:2px;}
.reviews-band .btn{padding:10px 18px;font-size:13px;background:var(--pine);color:#fff;}

/* CTA BAND */
.cta-band{background:linear-gradient(135deg,var(--pine) 0%,var(--pine-deep) 100%);border-radius:16px;padding:38px 30px;text-align:center;color:#fff;margin:40px 0;position:relative;overflow:hidden;box-shadow:0 0 0 1px rgba(201,162,76,0.3),0 22px 50px -12px rgba(11,25,48,0.55);}
.cta-band::before{content:'';position:absolute;top:-70%;left:50%;transform:translateX(-50%);width:340px;height:340px;border-radius:50%;background:radial-gradient(circle, rgba(201,162,76,0.35), transparent 70%);pointer-events:none;}
.cta-band h3{color:#fff;font-size:22px;margin-bottom:8px;position:relative;}
.cta-band p{color:#C7CFDE;margin-bottom:20px;font-size:14.5px;position:relative;}
.cta-band .btn-primary{position:relative;font-size:16px;padding:16px 32px;}

/* PROSE (legal / policy) */
.prose h2{font-size:22px;}
.prose h3{font-size:16px;}
.prose address{font-style:normal;background:var(--sage);border-radius:10px;padding:14px 18px;font-size:14px;color:var(--ink);margin:6px 0 16px;}

/* BREADCRUMB */
.crumb{font-size:12px;color:var(--muted);margin:18px 0 0;}
.crumb a{color:var(--pine-mid);text-decoration:none;}

/* FOOTER */
footer{background:var(--pine-deep);color:#B9C2D2;padding:36px 0 26px;font-size:11px;}
footer p{color:#B9C2D2;font-size:11px;line-height:1.55;}
.footer-disclaimer{margin-top:16px;padding-top:14px;border-top:1px solid rgba(255,255,255,0.15);font-size:9px;line-height:1.6;color:#8D97A8;}
.footer-disclaimer a{color:#B9C2D2;}
footer .wrap{max-width:1000px;}
footer a{color:#C7CFDE;}
footer .flinks{display:flex;gap:20px;flex-wrap:wrap;margin-bottom:16px;}

/* ============ CONTENT COMPONENTS (money pages + articles) ============ */
.tldr{background:var(--white);border:1.5px solid var(--sage-line);border-left:5px solid var(--pine);border-radius:10px;padding:22px 24px;margin:-30px auto 40px;max-width:800px;box-shadow:0 8px 24px rgba(20,42,77,0.08);position:relative;z-index:2;}
.tldr .lbl{font-size:11px;font-weight:800;letter-spacing:0.1em;text-transform:uppercase;color:var(--pine-mid);margin-bottom:8px;}
.tldr p{font-size:15.5px;margin-bottom:0;}

.toc{background:var(--sage);border-radius:10px;padding:20px 24px;margin-bottom:10px;}
.toc .lbl{font-size:11px;font-weight:800;letter-spacing:0.08em;text-transform:uppercase;color:var(--pine);margin-bottom:10px;}
.toc ol{margin:0;padding-left:20px;columns:2;column-gap:24px;}
.toc li{font-size:13.5px;margin-bottom:6px;}
.toc a{text-decoration:none;color:var(--pine-mid);font-weight:600;}
@media (max-width:600px){ .toc ol{columns:1;} }

.table-wrap{overflow-x:auto;border-radius:10px;border:1px solid var(--sage-line);margin:18px 0 24px;}
table{width:100%;border-collapse:collapse;font-size:13.5px;}
th{background:var(--pine);color:#fff;padding:10px 12px;text-align:left;font-size:11.5px;font-weight:700;letter-spacing:0.03em;text-transform:uppercase;}
td{padding:10px 12px;border-bottom:1px solid var(--sage-line);background:var(--white);vertical-align:top;}
tr:last-child td{border-bottom:none;}

.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:18px 0 26px;}
@media (max-width:640px){ .grid-2{grid-template-columns:1fr;} }
.fit-card{border-radius:12px;padding:20px 22px;}
.fit-good{background:#EDFAF3;border:1.5px solid #9FDDBB;}
.fit-poor{background:#FDF2F1;border:1.5px solid #E8B4AB;}
.fit-card h3{margin-top:0;font-size:15px;}
.fit-good h3{color:#1a6b3a;}
.fit-poor h3{color:var(--error);}
.fit-card ul{margin-bottom:0;font-size:14px;}

.step-row{display:flex;gap:16px;margin-bottom:22px;}
.step-num{width:34px;height:34px;border-radius:9px;background:var(--pine);color:#fff;font-weight:800;font-size:15px;display:flex;align-items:center;justify-content:center;flex-shrink:0;font-family:var(--mono);}
.step-body h3{margin:0 0 6px;font-size:16px;}
.step-body p{margin-bottom:0;font-size:14.5px;}

.case-box{background:var(--white);border:1.5px solid var(--sage-line);border-radius:12px;padding:24px 26px;margin:18px 0 12px;}
.case-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:18px 0;}
@media (max-width:600px){ .case-stats{grid-template-columns:1fr 1fr;} }
.case-stat{background:var(--sage);border-radius:8px;padding:14px;text-align:center;}
.case-stat .v{font-family:var(--mono);font-weight:800;font-size:19px;color:var(--pine);}
.case-stat .l{font-size:10.5px;color:var(--muted);margin-top:4px;text-transform:uppercase;letter-spacing:0.03em;}

.faq-item{border-bottom:1px solid var(--sage-line);}
.faq-q{width:100%;text-align:left;background:none;border:none;padding:16px 4px;font-family:var(--font);font-size:15.5px;font-weight:700;color:var(--pine);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:12px;}
.faq-q .plus{font-size:18px;color:var(--pine-mid);flex-shrink:0;transition:transform .2s;}
.faq-item.open .plus{transform:rotate(45deg);}
.faq-a{display:none;padding:0 4px 18px;font-size:14.5px;color:var(--muted);}
.faq-item.open .faq-a{display:block;}
.faq-a p{font-size:14.5px;color:var(--muted);}

.glossary dt{font-weight:800;color:var(--pine);margin-top:14px;font-size:14.5px;}
.glossary dd{margin:4px 0 0;font-size:14px;color:var(--muted);}

.disclaimer{margin:36px 0;padding:16px 18px;background:var(--white);border:1px solid var(--sage-line);border-radius:10px;font-size:11px;color:var(--muted);line-height:1.7;}
.author-box{display:flex;gap:14px;align-items:flex-start;background:var(--sage);border-radius:12px;padding:18px 20px;margin:30px 0;}
.author-ic{width:42px;height:42px;border-radius:50%;background:var(--pine);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-family:var(--mono);flex-shrink:0;}
.author-box .n{font-weight:800;color:var(--pine);font-size:14px;}
.author-box .r{font-size:12.5px;color:var(--muted);margin-top:2px;}

.blog-strip{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:20px 0 30px;}
@media (max-width:700px){ .blog-strip{grid-template-columns:1fr;} }
.blog-card{background:var(--white);border:1.5px solid var(--sage-line);border-radius:12px;padding:20px 22px;display:block;text-decoration:none;transition:transform .15s, box-shadow .15s;}
.blog-card:hover{transform:translateY(-3px);box-shadow:0 12px 28px rgba(20,42,77,0.12);}
.blog-card .tag{display:inline-block;font-size:10px;font-weight:800;letter-spacing:0.1em;text-transform:uppercase;color:var(--pine-mid);background:var(--sage);border-radius:6px;padding:3px 9px;margin-bottom:10px;}
.blog-card h3{margin:0 0 8px;font-size:15.5px;line-height:1.35;}
.blog-card p{color:var(--muted);font-size:13px;margin-bottom:10px;}
.blog-card .rl{font-size:12.5px;font-weight:700;color:var(--pine-mid);}
.pill{display:inline-block;background:var(--sage);border:1px solid var(--sage-line);border-radius:20px;padding:5px 14px;font-size:12.5px;font-weight:600;color:var(--pine);margin:0 6px 8px 0;}

/* ================= SITE NAV (mega-menu) + FOOTER — unique sn-/ft- classes ================= */
.sn{position:sticky;top:0;z-index:1000;background:var(--pine);box-shadow:0 2px 12px rgba(11,25,48,0.25);}
.sn-in{max-width:1180px;margin:0 auto;padding:0 20px;display:flex;align-items:center;justify-content:space-between;gap:14px;min-height:60px;}
.sn-brand{display:flex;flex-direction:column;line-height:1.05;text-decoration:none;flex-shrink:0;}
.sn-brand span{font-size:14px;font-weight:800;letter-spacing:0.06em;text-transform:uppercase;color:#fff;}
.sn-brand .sn-sub{font-size:10px;font-weight:600;letter-spacing:0.16em;color:#A9C4B3;margin-top:1px;}
.sn-menu{display:flex;align-items:center;gap:4px;}
.sn-link{color:#C7CFDE;text-decoration:none;font-size:13.5px;font-weight:600;padding:10px 12px;background:none;border:none;font-family:var(--font);cursor:pointer;display:inline-flex;align-items:center;gap:5px;white-space:nowrap;}
.sn-link:hover{color:#fff;}
.sn-caret{font-size:9px;opacity:0.8;}
.sn-item{position:relative;}
.sn-mega{position:absolute;top:100%;left:50%;transform:translateX(-50%);background:#fff;border-radius:12px;box-shadow:0 20px 50px rgba(11,25,48,0.28);padding:20px;display:none;gap:26px;z-index:1001;border:1px solid var(--sage-line);}
.sn-item:hover .sn-mega{display:flex;}
.sn-mega{max-width:92vw;}
.sn-col{min-width:190px;}
.sn-col h4{font-size:10.5px;font-weight:800;letter-spacing:0.08em;text-transform:uppercase;color:var(--pine-mid);margin:0 0 10px;border:none;padding:0;}
.sn-col a{display:block;color:var(--pine);text-decoration:none;font-size:13.5px;font-weight:500;padding:6px 0;border-bottom:1px solid #F0EADB;}
.sn-col a:last-child{border-bottom:none;}
.sn-col a:hover{color:var(--pine-mid);}
.sn-col a.sn-all{color:var(--pine-mid);font-weight:700;}
.sn-powered{display:flex;align-items:center;gap:6px;font-size:10px;color:#8FA0BC;white-space:nowrap;padding-left:14px;margin-left:2px;border-left:1px solid rgba(255,255,255,0.18);}
.sn-powered img{height:26px;width:auto;display:block;filter:drop-shadow(0 0 8px rgba(255,255,255,0.5)) brightness(1.15);}
.sn-cta{background:#F5CC5E;color:var(--pine-deep);padding:9px 18px;border-radius:8px;font-weight:800;font-size:13px;text-decoration:none;box-shadow:0 4px 16px rgba(245,204,94,0.5);white-space:nowrap;}
.sn-cta:hover{transform:translateY(-1px);}
.sn-toggle{display:none;background:none;border:none;color:#fff;font-size:24px;cursor:pointer;line-height:1;padding:6px 8px;}
@media (max-width:960px){
  .sn-toggle{display:block;}
  .sn-menu{position:absolute;top:60px;left:0;right:0;background:var(--pine-deep);flex-direction:column;align-items:stretch;gap:0;padding:8px 14px 18px;display:none;max-height:calc(100vh - 60px);overflow-y:auto;box-shadow:0 20px 40px rgba(0,0,0,0.4);}
  .sn.sn-open .sn-menu{display:flex;}
  .sn-link{padding:12px 6px;font-size:15px;border-bottom:1px solid rgba(255,255,255,0.08);justify-content:space-between;width:100%;}
  .sn-item{width:100%;}
  .sn-mega{position:static;left:auto;transform:none;max-width:none;display:none;box-shadow:none;border:none;background:transparent;padding:4px 0 8px 10px;flex-direction:column;gap:10px;border-radius:0;}
  .sn-item.sn-openitem .sn-mega{display:flex;}
  .sn-item:hover .sn-mega{display:none;}
  .sn-item.sn-openitem .sn-mega{display:flex;}
  .sn-col a{color:#C7CFDE;border-bottom-color:rgba(255,255,255,0.08);}
  .sn-col h4{color:#D9BF7A;}
  .sn-powered{display:none;}
  .sn-cta{margin-top:12px;text-align:center;}
}

/* FOOTER */
.ft{background:var(--pine-deep);color:#B9C2D2;padding:44px 0 26px;font-size:12px;}
.ft-in{max-width:1180px;margin:0 auto;padding:0 20px;}
.ft-grid{display:grid;grid-template-columns:1.1fr 1fr 1fr 1fr 1.3fr;gap:26px;padding-bottom:26px;border-bottom:1px solid rgba(255,255,255,0.14);}
@media (max-width:900px){ .ft-grid{grid-template-columns:1fr 1fr;} }
@media (max-width:520px){ .ft-grid{grid-template-columns:1fr;} }
.ft-col h4{font-size:11px;font-weight:800;letter-spacing:0.08em;text-transform:uppercase;color:#fff;margin:0 0 12px;border:none;padding:0;}
.ft-col a{display:block;color:#B9C2D2;text-decoration:none;font-size:12.5px;padding:4px 0;}
.ft-col a:hover{color:#fff;}
.ft-brand .ft-mark{font-size:15px;font-weight:800;color:#fff;letter-spacing:0.04em;}
.ft-brand p{color:#9DA8BB;font-size:12px;margin:8px 0 14px;line-height:1.55;}
.ft-stars{color:#F0B429;font-size:13px;margin-top:12px;}
.ft-legal{padding-top:18px;font-size:10.5px;line-height:1.6;color:#8D97A8;}
.ft-legal a{color:#B9C2D2;}
.ft-legal .ft-disc{margin-top:12px;font-size:9.5px;line-height:1.6;}