/*
Theme Name: DebtExit
Theme URI: https://mydebtexit.com
Author: DebtExit Financial Services
Author URI: https://mydebtexit.com
Description: A professional debt settlement and financial relief services theme for DebtExit.
Version: 1.0.0
License: GNU General Public License v2 or later
License URI: http://www.gnu.org/licenses/gpl-2.0.html
Text Domain: debtexit
Tags: business, finance, professional, responsive
*/

/* ============================================================
   RESET & BASE
============================================================ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:    #0B3D91;
  --navy-dark: #072d6e;
  --green:   #27AE60;
  --green-light: #2ECC71;
  --orange:  #E67E22;
  --dark:    #1a1a2e;
  --light:   #f5f7fa;
  --white:   #ffffff;
  --gray:    #6c757d;
  --border:  #dee2e6;
  --shadow:  0 4px 24px rgba(11,61,145,0.10);
  --radius:  8px;
  --font-heading: 'Poppins', sans-serif;
  --font-body:    'Open Sans', sans-serif;
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.7;
  color: #333;
  background: #fff;
}

img { max-width: 100%; height: auto; display: block; }
a  { color: var(--navy); text-decoration: none; transition: color .2s; }
a:hover { color: var(--green); }

h1,h2,h3,h4,h5,h6 {
  font-family: var(--font-heading);
  font-weight: 700;
  line-height: 1.25;
  color: var(--dark);
}

p { margin-bottom: 1rem; }
ul, ol { padding-left: 1.5rem; margin-bottom: 1rem; }

/* ============================================================
   LAYOUT UTILITIES
============================================================ */
.container { max-width: 1180px; margin: 0 auto; padding: 0 24px; }
.section    { padding: 80px 0; }
.section-sm { padding: 48px 0; }
.text-center { text-align: center; }
.text-white  { color: #fff !important; }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; }
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 32px; }
.grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; }

@media(max-width:900px){ .grid-3{ grid-template-columns:1fr 1fr; } .grid-4{ grid-template-columns:1fr 1fr; } }
@media(max-width:640px){ .grid-2,.grid-3,.grid-4{ grid-template-columns:1fr; } }

/* ============================================================
   BUTTONS
============================================================ */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 14px 32px; border-radius: 50px;
  font-family: var(--font-heading); font-weight: 600; font-size: 15px;
  cursor: pointer; border: 2px solid transparent; transition: all .25s;
  text-decoration: none;
}
.btn-primary { background: var(--green); color: #fff; border-color: var(--green); }
.btn-primary:hover { background: var(--green-light); border-color: var(--green-light); color: #fff; }
.btn-outline { background: transparent; color: #fff; border-color: #fff; }
.btn-outline:hover { background: #fff; color: var(--navy); }
.btn-navy { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn-navy:hover { background: var(--navy-dark); border-color: var(--navy-dark); color: #fff; }
.btn-lg { padding: 18px 44px; font-size: 17px; }

/* ============================================================
   SECTION TITLES
============================================================ */
.section-label {
  display: inline-block;
  background: rgba(39,174,96,.12);
  color: var(--green);
  font-family: var(--font-heading);
  font-size: 13px; font-weight: 700;
  letter-spacing: 2px; text-transform: uppercase;
  padding: 6px 18px; border-radius: 50px; margin-bottom: 16px;
}
.section-title {
  font-size: clamp(28px, 4vw, 44px);
  margin-bottom: 16px;
}
.section-sub {
  font-size: 17px; color: var(--gray);
  max-width: 600px; margin: 0 auto 48px;
}

/* ============================================================
   TOPBAR
============================================================ */
.topbar {
  background: var(--navy-dark);
  color: rgba(255,255,255,.8);
  font-size: 13px; padding: 8px 0;
}
.topbar .container { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 8px; }
.topbar a { color: rgba(255,255,255,.8); }
.topbar a:hover { color: #fff; }
.topbar-left, .topbar-right { display: flex; align-items: center; gap: 20px; }
.topbar-right .btn-free {
  background: var(--green); color: #fff;
  padding: 4px 16px; border-radius: 50px; font-weight: 600; font-size: 12px;
}

/* ============================================================
   HEADER / NAV
============================================================ */
.site-header {
  background: #fff;
  box-shadow: 0 2px 16px rgba(0,0,0,.08);
  position: sticky; top: 0; z-index: 1000;
}
.site-header .container {
  display: flex; align-items: center; justify-content: space-between;
  padding-top: 16px; padding-bottom: 16px;
}
.site-logo { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.site-logo .logo-icon {
  width: 42px; height: 42px; background: var(--navy);
  border-radius: 10px; display: flex; align-items: center; justify-content: center;
}
.site-logo .logo-icon svg { width: 24px; height: 24px; fill: #fff; }
.site-logo .logo-text { font-family: var(--font-heading); font-weight: 800; font-size: 22px; color: var(--navy); }
.site-logo .logo-text span { color: var(--green); }

.main-nav { display: flex; align-items: center; gap: 32px; }
.main-nav a {
  font-family: var(--font-heading); font-weight: 600; font-size: 14px;
  color: #333; letter-spacing: .3px; padding: 6px 0; position: relative;
}
.main-nav a::after {
  content:''; position:absolute; bottom:0; left:0; width:0; height:2px;
  background: var(--green); transition: width .25s;
}
.main-nav a:hover::after, .main-nav a.active::after { width: 100%; }
.main-nav a:hover, .main-nav a.active { color: var(--navy); }

.nav-cta { display: flex; align-items: center; gap: 12px; }

.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 6px; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--navy); border-radius: 2px; transition: all .3s; }

/* Mobile nav */
.mobile-nav {
  display: none; flex-direction: column; background: #fff;
  border-top: 1px solid var(--border); padding: 16px 24px 24px;
  position: absolute; top: 100%; left: 0; right: 0;
  box-shadow: 0 8px 24px rgba(0,0,0,.12);
}
.mobile-nav.open { display: flex; }
.mobile-nav a {
  font-family: var(--font-heading); font-weight: 600;
  padding: 12px 0; border-bottom: 1px solid var(--border); color: #333;
}
.mobile-nav a:last-child { border-bottom: none; }
.mobile-nav .btn { margin-top: 12px; text-align: center; justify-content: center; }

@media(max-width:960px){
  .main-nav { display: none; }
  .nav-cta { display: none; }
  .hamburger { display: flex; }
}

/* ============================================================
   HERO - HOMEPAGE
============================================================ */
.hero {
  position: relative; overflow: hidden;
  background: linear-gradient(135deg, #0B3D91 0%, #072d6e 60%, #0d1b4a 100%);
  color: #fff; padding: 100px 0 80px;
}
.hero-bg {
  position: absolute; inset: 0;
  background-image: url('https://images.unsplash.com/photo-1554224155-6726b3ff858f?w=1920&q=80');
  background-size: cover; background-position: center;
  opacity: .12;
}
.hero .container { position: relative; z-index: 1; display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 60px; align-items: center; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,.12); color: #fff;
  border: 1px solid rgba(255,255,255,.25);
  font-size: 13px; font-weight: 600; padding: 6px 16px; border-radius: 50px; margin-bottom: 24px;
}
.hero-badge .dot { width: 8px; height: 8px; background: var(--green-light); border-radius: 50%; animation: pulse 2s infinite; }
@keyframes pulse { 0%,100%{opacity:1;transform:scale(1)} 50%{opacity:.6;transform:scale(1.3)} }

.hero h1 {
  font-size: clamp(32px, 5vw, 58px); font-weight: 800; color: #fff;
  margin-bottom: 20px; line-height: 1.15;
}
.hero h1 .highlight { color: var(--green-light); }
.hero-sub { font-size: 18px; color: rgba(255,255,255,.8); margin-bottom: 36px; max-width: 520px; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }

.hero-stats { display: flex; gap: 32px; margin-top: 48px; padding-top: 40px; border-top: 1px solid rgba(255,255,255,.15); }
.hero-stat .num { font-family: var(--font-heading); font-size: 32px; font-weight: 800; color: var(--green-light); }
.hero-stat .label { font-size: 13px; color: rgba(255,255,255,.7); }

.hero-image { position: relative; }
.hero-card {
  background: rgba(255,255,255,.1); backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,.2);
  border-radius: 20px; overflow: hidden;
}
.hero-card img { width: 100%; height: 380px; object-fit: cover; }
.hero-card-badge {
  position: absolute; bottom: 24px; left: 24px;
  background: #fff; border-radius: 12px; padding: 14px 20px;
  display: flex; align-items: center; gap: 12px; box-shadow: var(--shadow);
}
.hero-card-badge .icon { width: 36px; height: 36px; background: rgba(39,174,96,.15); border-radius: 8px; display: flex; align-items: center; justify-content: center; }
.hero-card-badge .icon svg { width: 20px; height: 20px; fill: var(--green); }
.hero-card-badge .text .val { font-family: var(--font-heading); font-size: 18px; font-weight: 700; color: var(--navy); line-height: 1; }
.hero-card-badge .text .lbl { font-size: 12px; color: var(--gray); }

@media(max-width:900px){
  .hero .container { grid-template-columns: 1fr; }
  .hero-image { display: none; }
}

/* ============================================================
   TRUST BAR
============================================================ */
.trust-bar { background: var(--light); padding: 28px 0; border-bottom: 1px solid var(--border); }
.trust-bar .container { display: flex; align-items: center; justify-content: space-around; flex-wrap: wrap; gap: 20px; }
.trust-item { display: flex; align-items: center; gap: 10px; color: var(--gray); font-size: 14px; font-weight: 600; }
.trust-item svg { width: 22px; height: 22px; fill: var(--green); flex-shrink: 0; }

/* ============================================================
   SERVICES
============================================================ */
.services-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 28px; }
@media(max-width:900px){ .services-grid{ grid-template-columns:1fr 1fr; } }
@media(max-width:580px){ .services-grid{ grid-template-columns:1fr; } }

.service-card {
  background: #fff; border-radius: 16px; padding: 36px 28px;
  border: 1px solid var(--border); box-shadow: var(--shadow);
  transition: transform .3s, box-shadow .3s; position: relative; overflow: hidden;
}
.service-card::before {
  content:''; position:absolute; top:0; left:0; right:0; height:4px;
  background: linear-gradient(90deg, var(--navy), var(--green));
  transform: scaleX(0); transform-origin: left; transition: transform .3s;
}
.service-card:hover { transform: translateY(-6px); box-shadow: 0 16px 48px rgba(11,61,145,.14); }
.service-card:hover::before { transform: scaleX(1); }
.service-icon {
  width: 60px; height: 60px; border-radius: 14px;
  background: rgba(11,61,145,.08); display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
}
.service-icon svg { width: 30px; height: 30px; fill: var(--navy); }
.service-card h3 { font-size: 19px; margin-bottom: 10px; }
.service-card p { color: var(--gray); font-size: 15px; margin: 0; }
.service-link { display: inline-flex; align-items: center; gap: 6px; margin-top: 16px; font-weight: 600; font-size: 14px; color: var(--navy); }
.service-link svg { width: 16px; height: 16px; fill: var(--navy); transition: transform .2s; }
.service-card:hover .service-link svg { transform: translateX(4px); }

/* ============================================================
   HOW IT WORKS
============================================================ */
.how-it-works { background: var(--light); }
.steps { display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; position: relative; }
.steps::before {
  content:''; position:absolute; top: 36px; left: 10%; right: 10%; height: 2px;
  background: linear-gradient(90deg, var(--navy), var(--green));
}
@media(max-width:900px){ .steps{ grid-template-columns:1fr 1fr; } .steps::before{display:none;} }
@media(max-width:540px){ .steps{ grid-template-columns:1fr; } }

.step { text-align: center; padding: 20px; position: relative; }
.step-num {
  width: 72px; height: 72px; border-radius: 50%;
  background: #fff; border: 3px solid var(--navy);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading); font-size: 24px; font-weight: 800; color: var(--navy);
  margin: 0 auto 20px; position: relative; z-index: 1;
}
.step h3 { font-size: 17px; margin-bottom: 8px; }
.step p { font-size: 14px; color: var(--gray); }

/* ============================================================
   WHY CHOOSE US
============================================================ */
.why-us { background: #fff; }
.why-us .container { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.why-image { position: relative; border-radius: 20px; overflow: hidden; }
.why-image img { width: 100%; height: 500px; object-fit: cover; }
.why-image-badge {
  position: absolute; bottom: 28px; right: -20px;
  background: var(--navy); color: #fff; border-radius: 14px; padding: 20px 24px;
  text-align: center; box-shadow: 0 8px 32px rgba(11,61,145,.3);
}
.why-image-badge .big { font-family: var(--font-heading); font-size: 36px; font-weight: 800; color: var(--green-light); line-height: 1; }
.why-image-badge .sm  { font-size: 12px; opacity: .8; margin-top: 4px; }

.why-features { list-style: none; padding: 0; margin: 24px 0 32px; }
.why-features li {
  display: flex; gap: 14px; margin-bottom: 18px;
  padding-bottom: 18px; border-bottom: 1px solid var(--border);
}
.why-features li:last-child { border-bottom: none; margin-bottom: 0; padding-bottom: 0; }
.why-feat-icon {
  width: 44px; height: 44px; border-radius: 10px;
  background: rgba(39,174,96,.1); display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.why-feat-icon svg { width: 22px; height: 22px; fill: var(--green); }
.why-feat-title { font-family: var(--font-heading); font-weight: 700; font-size: 15px; margin-bottom: 4px; }
.why-feat-desc  { font-size: 14px; color: var(--gray); }

@media(max-width:900px){ .why-us .container{ grid-template-columns:1fr; } .why-image{ display: none; } }

/* ============================================================
   STATS BAND
============================================================ */
.stats-band {
  background: linear-gradient(135deg, var(--navy), var(--navy-dark));
  color: #fff; padding: 60px 0;
}
.stats-band .container { display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; text-align: center; }
@media(max-width:760px){ .stats-band .container{ grid-template-columns:1fr 1fr; } }
.stat-item .num { font-family: var(--font-heading); font-size: 48px; font-weight: 800; color: var(--green-light); line-height: 1; }
.stat-item .lbl { font-size: 14px; color: rgba(255,255,255,.7); margin-top: 6px; }

/* ============================================================
   TESTIMONIALS
============================================================ */
.testimonials { background: var(--light); }
.testimonial-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 28px; }
@media(max-width:900px){ .testimonial-grid{ grid-template-columns:1fr 1fr; } }
@media(max-width:580px){ .testimonial-grid{ grid-template-columns:1fr; } }

.testimonial-card {
  background: #fff; border-radius: 16px; padding: 32px 28px;
  box-shadow: var(--shadow); border: 1px solid var(--border);
  position: relative;
}
.quote-icon { color: var(--green); font-size: 48px; line-height: 1; margin-bottom: 12px; }
.testimonial-text { font-size: 15px; color: #444; font-style: italic; margin-bottom: 20px; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.author-avatar { width: 44px; height: 44px; border-radius: 50%; object-fit: cover; }
.author-name { font-family: var(--font-heading); font-weight: 700; font-size: 14px; }
.author-detail { font-size: 12px; color: var(--gray); }
.stars { color: #F39C12; font-size: 14px; margin-bottom: 4px; }

/* ============================================================
   CTA BANNER
============================================================ */
.cta-banner {
  background: linear-gradient(135deg, var(--green) 0%, #1a8c4e 100%);
  color: #fff; padding: 80px 0; text-align: center;
  position: relative; overflow: hidden;
}
.cta-banner::before {
  content:''; position:absolute; inset:0;
  background: url('https://images.unsplash.com/photo-1450101499163-c8848c66ca85?w=1920&q=60') center/cover;
  opacity:.08;
}
.cta-banner .container { position: relative; z-index: 1; }
.cta-banner h2 { font-size: clamp(26px,4vw,42px); color: #fff; margin-bottom: 16px; }
.cta-banner p  { font-size: 18px; color: rgba(255,255,255,.85); margin-bottom: 36px; max-width: 560px; margin-left:auto; margin-right:auto; }
.cta-actions   { display: flex; justify-content: center; gap: 16px; flex-wrap: wrap; }

/* ============================================================
   PAGE HERO (Inner Pages)
============================================================ */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: #fff; padding: 80px 0 60px; text-align: center; position: relative; overflow: hidden;
}
.page-hero::after {
  content:''; position:absolute; bottom:-1px; left:0; right:0; height:50px;
  background: #fff; clip-path: ellipse(55% 100% at 50% 100%);
}
.page-hero h1 { color: #fff; font-size: clamp(28px,4vw,48px); margin-bottom: 12px; }
.page-hero .breadcrumb { display: flex; align-items: center; justify-content: center; gap: 8px; font-size: 14px; color: rgba(255,255,255,.7); }
.page-hero .breadcrumb a { color: rgba(255,255,255,.7); }
.page-hero .breadcrumb a:hover { color: #fff; }
.page-hero .breadcrumb .sep { opacity: .4; }

/* ============================================================
   ABOUT PAGE
============================================================ */
.about-intro .container { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.about-img { border-radius: 20px; overflow: hidden; box-shadow: var(--shadow); }
.about-img img { width: 100%; height: 440px; object-fit: cover; }
.team-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; }
@media(max-width:900px){ .team-grid{ grid-template-columns:1fr 1fr; } }
@media(max-width:540px){ .team-grid{ grid-template-columns:1fr; } }
.team-card { background: #fff; border-radius: 16px; overflow: hidden; box-shadow: var(--shadow); border: 1px solid var(--border); text-align: center; transition: transform .3s; }
.team-card:hover { transform: translateY(-6px); }
.team-card img { width: 100%; height: 220px; object-fit: cover; }
.team-info { padding: 20px 16px; }
.team-name { font-family: var(--font-heading); font-weight: 700; font-size: 16px; margin-bottom: 4px; }
.team-role { font-size: 13px; color: var(--green); font-weight: 600; }
.values-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 28px; }
@media(max-width:760px){ .values-grid{ grid-template-columns:1fr 1fr; } }
@media(max-width:480px){ .values-grid{ grid-template-columns:1fr; } }
.value-card { background: #fff; border-radius: 14px; padding: 28px 24px; box-shadow: var(--shadow); border: 1px solid var(--border); text-align: center; }
.value-icon { font-size: 36px; margin-bottom: 14px; }
.value-card h3 { font-size: 17px; margin-bottom: 8px; }
.value-card p  { font-size: 14px; color: var(--gray); margin: 0; }

@media(max-width:900px){ .about-intro .container{ grid-template-columns:1fr; } .about-img{ display: none; } }

/* ============================================================
   CONTACT PAGE
============================================================ */
.contact-layout { display: grid; grid-template-columns: 1.2fr 0.8fr; gap: 60px; align-items: start; }
@media(max-width:900px){ .contact-layout{ grid-template-columns:1fr; } }

.contact-form-wrap { background: #fff; border-radius: 20px; padding: 48px 40px; box-shadow: var(--shadow); border: 1px solid var(--border); }
.contact-form-wrap h2 { font-size: 26px; margin-bottom: 8px; }
.contact-form-wrap p { color: var(--gray); margin-bottom: 28px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
@media(max-width:580px){ .form-row{ grid-template-columns:1fr; } }
.form-group { margin-bottom: 20px; }
.form-group label { display: block; font-weight: 600; font-size: 14px; margin-bottom: 6px; }
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 12px 16px; border: 1.5px solid var(--border);
  border-radius: 8px; font-family: var(--font-body); font-size: 15px;
  transition: border-color .2s; outline: none;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--navy); }
.form-group textarea { resize: vertical; min-height: 120px; }
.form-disclaimer { font-size: 12px; color: var(--gray); margin-top: 8px; }
.form-disclaimer a { color: var(--navy); }
.form-success { display: none; background: rgba(39,174,96,.1); border: 1px solid var(--green); border-radius: 8px; padding: 14px 18px; color: var(--green); font-weight: 600; margin-top: 16px; }

.contact-info-cards { display: flex; flex-direction: column; gap: 20px; }
.info-card {
  background: #fff; border-radius: 14px; padding: 24px 20px;
  box-shadow: var(--shadow); border: 1px solid var(--border);
  display: flex; align-items: flex-start; gap: 16px;
}
.info-icon { width: 48px; height: 48px; border-radius: 12px; background: rgba(11,61,145,.08); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.info-icon svg { width: 24px; height: 24px; fill: var(--navy); }
.info-label { font-family: var(--font-heading); font-weight: 700; font-size: 15px; margin-bottom: 4px; }
.info-val { font-size: 14px; color: var(--gray); }
.info-val a { color: var(--navy); }
.hours-card { background: var(--navy); color: #fff; border-radius: 14px; padding: 24px 20px; }
.hours-card h3 { font-size: 17px; color: #fff; margin-bottom: 14px; }
.hours-row { display: flex; justify-content: space-between; font-size: 14px; padding: 8px 0; border-bottom: 1px solid rgba(255,255,255,.12); }
.hours-row:last-child { border-bottom: none; }
.hours-row .day { color: rgba(255,255,255,.7); }
.hours-row .time { font-weight: 600; }

/* ============================================================
   LEGAL PAGES (Privacy, Terms, Disclaimers)
============================================================ */
.legal-layout { display: grid; grid-template-columns: 260px 1fr; gap: 48px; align-items: start; }
@media(max-width:860px){ .legal-layout{ grid-template-columns:1fr; } }
.legal-sidebar { position: sticky; top: 100px; }
.legal-toc { background: var(--light); border-radius: 14px; padding: 24px 20px; border: 1px solid var(--border); }
.legal-toc h3 { font-size: 14px; text-transform: uppercase; letter-spacing: 1px; color: var(--gray); margin-bottom: 16px; }
.legal-toc a { display: block; padding: 8px 12px; border-radius: 6px; font-size: 14px; color: #444; transition: all .2s; }
.legal-toc a:hover { background: #fff; color: var(--navy); }
.legal-toc a.active { background: var(--navy); color: #fff; }
.legal-content h2 { font-size: 24px; margin: 40px 0 14px; padding-top: 20px; border-top: 1px solid var(--border); }
.legal-content h2:first-child { border-top: none; margin-top: 0; padding-top: 0; }
.legal-content h3 { font-size: 18px; margin: 24px 0 10px; color: var(--navy); }
.legal-content p, .legal-content li { font-size: 15px; color: #444; line-height: 1.8; }
.legal-content ul, .legal-content ol { margin: 12px 0 20px; }
.legal-content li { margin-bottom: 8px; }
.legal-content .highlight-box {
  background: rgba(11,61,145,.06); border-left: 4px solid var(--navy);
  border-radius: 0 8px 8px 0; padding: 16px 20px; margin: 20px 0;
}
.legal-content .highlight-box p { margin: 0; font-size: 14px; }
.legal-last-updated { font-size: 13px; color: var(--gray); margin-bottom: 32px; display: flex; align-items: center; gap: 8px; }
.legal-last-updated svg { width: 16px; height: 16px; fill: var(--gray); }

/* ============================================================
   FOOTER
============================================================ */
.site-footer { background: var(--dark); color: rgba(255,255,255,.7); padding: 80px 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 60px; border-bottom: 1px solid rgba(255,255,255,.08); }
@media(max-width:900px){ .footer-grid{ grid-template-columns:1fr 1fr; } }
@media(max-width:540px){ .footer-grid{ grid-template-columns:1fr; } }

.footer-brand p { font-size: 14px; line-height: 1.7; margin: 16px 0 20px; max-width: 280px; }
.footer-brand .site-logo .logo-text { color: #fff; }
.social-links { display: flex; gap: 12px; }
.social-link {
  width: 38px; height: 38px; border-radius: 8px; display: flex; align-items: center; justify-content: center;
  background: rgba(255,255,255,.08); color: rgba(255,255,255,.7); font-size: 16px;
  transition: background .2s, color .2s;
}
.social-link:hover { background: var(--green); color: #fff; }

.footer-col h4 { font-family: var(--font-heading); font-size: 15px; font-weight: 700; color: #fff; margin-bottom: 18px; }
.footer-col ul { list-style: none; padding: 0; margin: 0; }
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a { font-size: 14px; color: rgba(255,255,255,.6); transition: color .2s; }
.footer-col ul li a:hover { color: var(--green-light); }

.footer-bottom { padding: 24px 0; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; font-size: 13px; }
.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom-links a { color: rgba(255,255,255,.5); }
.footer-bottom-links a:hover { color: rgba(255,255,255,.9); }
.footer-bottom-copy { color: rgba(255,255,255,.4); }

.footer-disclaimer {
  background: rgba(0,0,0,.3); padding: 20px 0;
  font-size: 12px; color: rgba(255,255,255,.4); line-height: 1.7;
}

/* ============================================================
   MISC UTILITIES
============================================================ */
.badge { display: inline-block; padding: 4px 12px; border-radius: 50px; font-size: 12px; font-weight: 700; }
.badge-green { background: rgba(39,174,96,.12); color: var(--green); }
.badge-navy  { background: rgba(11,61,145,.1); color: var(--navy); }
.divider { height: 1px; background: var(--border); margin: 40px 0; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); }
.mt-0{margin-top:0!important} .mb-0{margin-bottom:0!important}