/* ============================================
   It IS Your Money — Stylesheet
   Designed for accessibility & elderly users:
   - Large base font (20px)
   - High contrast ratios (WCAG AAA)
   - Clear focus indicators
   - Large tap targets (min 48px)
   - Generous spacing
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700&family=Merriweather:wght@400;700&display=swap');

:root {
  --blue-900: #0c2340;
  --blue-800: #12345a;
  --blue-700: #1a4a7a;
  --blue-600: #1e5a94;
  --blue-500: #2270b5;
  --blue-400: #3a8fd4;
  --blue-100: #dbeafe;
  --blue-50:  #eff6ff;
  --gold-500: #c9952b;
  --gold-400: #d4a843;
  --gold-100: #fef3c7;
  --green-600: #16a34a;
  --green-100: #dcfce7;
  --gray-900: #111827;
  --gray-700: #374151;
  --gray-600: #4b5563;
  --gray-400: #9ca3af;
  --gray-200: #e5e7eb;
  --gray-100: #f3f4f6;
  --gray-50:  #f9fafb;
  --white: #ffffff;
  --red-600: #dc2626;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-heading: 'Merriweather', Georgia, serif;
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
  --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.1), 0 2px 4px -2px rgba(0,0,0,0.1);
  --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.1), 0 4px 6px -4px rgba(0,0,0,0.1);
  --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.1), 0 8px 10px -6px rgba(0,0,0,0.1);
  --radius: 12px;
  --radius-lg: 20px;
}

*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-size: 20px;
  scroll-behavior: smooth;
  scroll-padding-top: 100px;
}

body {
  font-family: var(--font-body);
  color: var(--gray-900);
  line-height: 1.7;
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

/* Focus indicators for keyboard nav */
*:focus-visible {
  outline: 3px solid var(--blue-500);
  outline-offset: 3px;
  border-radius: 4px;
}

img { max-width: 100%; height: auto; }
a { color: var(--blue-600); text-decoration: underline; }
a:hover { color: var(--blue-800); }

h1, h2, h3, h4 { font-family: var(--font-heading); line-height: 1.3; color: var(--blue-900); }
h1 { font-size: 2.4rem; margin-bottom: 1rem; }
h2 { font-size: 1.8rem; margin-bottom: 0.75rem; }
h3 { font-size: 1.3rem; margin-bottom: 0.5rem; }

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

/* ── HEADER / NAV ── */
.site-header {
  background: var(--white);
  border-bottom: 3px solid var(--blue-900);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: var(--shadow-md);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.75rem 1.5rem;
  max-width: 1200px;
  margin: 0 auto;
}

.logo img {
  height: 55px;
  width: auto;
}

.logo {
  display: flex;
  align-items: center;
  text-decoration: none;
}

.header-phone {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--blue-900);
  text-decoration: none;
}

.header-phone:hover { color: var(--blue-600); }

.header-phone svg {
  width: 28px;
  height: 28px;
  fill: var(--blue-600);
}

.main-nav {
  background: var(--blue-900);
}

.nav-list {
  display: flex;
  list-style: none;
  justify-content: center;
  gap: 0;
  max-width: 1200px;
  margin: 0 auto;
  flex-wrap: wrap;
}

.nav-list a {
  display: block;
  padding: 0.85rem 1.5rem;
  color: var(--white);
  text-decoration: none;
  font-weight: 500;
  font-size: 0.95rem;
  letter-spacing: 0.02em;
  transition: background 0.2s;
}

.nav-list a:hover,
.nav-list a:focus {
  background: var(--blue-700);
}

/* Mobile menu toggle */
.menu-toggle {
  display: none;
  background: var(--blue-900);
  color: var(--white);
  border: none;
  padding: 0.75rem 1.2rem;
  font-size: 1.1rem;
  cursor: pointer;
  width: 100%;
  text-align: center;
  font-weight: 600;
}

/* ── HERO ── */
.hero {
  background: linear-gradient(135deg, var(--blue-900) 0%, var(--blue-700) 100%);
  color: var(--white);
  padding: 4rem 1.5rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(255,255,255,0.05) 0%, transparent 70%);
  border-radius: 50%;
}

.hero h1 {
  color: var(--white);
  font-size: 2.6rem;
  max-width: 800px;
  margin: 0 auto 1rem;
}

.hero-subtitle {
  font-size: 1.2rem;
  opacity: 0.9;
  max-width: 650px;
  margin: 0 auto 2rem;
  line-height: 1.6;
}

.hero-cta {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--gold-500);
  color: var(--white);
  font-size: 1.2rem;
  font-weight: 700;
  padding: 1rem 2.5rem;
  border-radius: 50px;
  text-decoration: none;
  transition: all 0.3s;
  box-shadow: 0 4px 15px rgba(201, 149, 43, 0.4);
}

.hero-cta:hover {
  background: var(--gold-400);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(201, 149, 43, 0.5);
}

.hero-trust {
  margin-top: 2.5rem;
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 2rem;
  flex-wrap: wrap;
  font-size: 0.85rem;
  opacity: 0.85;
}

.hero-trust-item {
  display: flex;
  align-items: center;
  gap: 0.4rem;
}

.hero-trust-item svg {
  width: 20px;
  height: 20px;
  fill: var(--gold-500);
}

/* ── TRUST BAR ── */
.trust-bar {
  background: var(--blue-50);
  border-bottom: 1px solid var(--blue-100);
  padding: 1.25rem 1.5rem;
}

.trust-bar-inner {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 3rem;
  flex-wrap: wrap;
  max-width: 1000px;
  margin: 0 auto;
  font-size: 0.9rem;
  color: var(--blue-800);
  font-weight: 500;
}

.trust-bar-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.trust-bar-item svg {
  width: 24px;
  height: 24px;
  fill: var(--blue-600);
  flex-shrink: 0;
}

/* ── SECTIONS ── */
.section {
  padding: 4rem 1.5rem;
}

.section-alt {
  background: var(--gray-50);
}

.section-blue {
  background: var(--blue-900);
  color: var(--white);
}

.section-blue h2 { color: var(--white); }
.section-blue p { color: rgba(255,255,255,0.9); }

.section-header {
  text-align: center;
  max-width: 700px;
  margin: 0 auto 3rem;
}

.section-header p {
  color: var(--gray-600);
  font-size: 1.05rem;
  margin-top: 0.75rem;
}

/* ── SERVICES GRID ── */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 1.5rem;
  max-width: 1200px;
  margin: 0 auto;
}

.service-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 2rem;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--gray-200);
  transition: all 0.3s;
  text-decoration: none;
  color: inherit;
  display: block;
}

.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-xl);
  border-color: var(--blue-400);
  color: inherit;
}

.service-icon {
  width: 56px;
  height: 56px;
  background: var(--blue-50);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
}

.service-icon svg {
  width: 28px;
  height: 28px;
  fill: var(--blue-600);
}

.service-card h3 {
  font-family: var(--font-body);
  font-weight: 700;
  color: var(--blue-900);
}

.service-card p {
  color: var(--gray-600);
  font-size: 0.95rem;
  margin-top: 0.5rem;
}

.service-card .card-link {
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
  margin-top: 1rem;
  color: var(--blue-600);
  font-weight: 600;
  font-size: 0.95rem;
  text-decoration: none;
}

.service-card:hover .card-link { text-decoration: underline; }

/* ── HOW IT WORKS ── */
.steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 2rem;
  max-width: 1000px;
  margin: 0 auto;
  counter-reset: step;
}

.step {
  text-align: center;
  padding: 1.5rem;
  position: relative;
}

.step-number {
  width: 60px;
  height: 60px;
  background: var(--blue-600);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  font-weight: 700;
  margin: 0 auto 1rem;
  font-family: var(--font-heading);
}

.step h3 {
  font-family: var(--font-body);
  margin-bottom: 0.5rem;
}

.step p {
  color: var(--gray-600);
  font-size: 0.9rem;
}

/* ── TESTIMONIALS ── */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 1.5rem;
  max-width: 1200px;
  margin: 0 auto;
}

.testimonial-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 2rem;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--gray-200);
  position: relative;
}

.testimonial-stars {
  color: var(--gold-500);
  font-size: 1.2rem;
  margin-bottom: 0.75rem;
  letter-spacing: 2px;
}

.testimonial-card blockquote {
  font-style: italic;
  color: var(--gray-700);
  font-size: 1rem;
  line-height: 1.7;
  margin-bottom: 1rem;
}

.testimonial-author {
  font-weight: 600;
  color: var(--blue-900);
  font-size: 0.9rem;
}

.testimonial-meta {
  color: var(--gray-400);
  font-size: 0.8rem;
}

/* ── FAQ ── */
.faq-list {
  max-width: 800px;
  margin: 0 auto;
}

.faq-item {
  border-bottom: 1px solid var(--gray-200);
}

.faq-question {
  width: 100%;
  background: none;
  border: none;
  padding: 1.25rem 0;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--blue-900);
  text-align: left;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  font-family: var(--font-body);
  line-height: 1.4;
}

.faq-question:hover { color: var(--blue-600); }

.faq-question::after {
  content: '+';
  font-size: 1.5rem;
  font-weight: 400;
  color: var(--blue-500);
  flex-shrink: 0;
  transition: transform 0.3s;
}

.faq-item.open .faq-question::after {
  content: '\2212';
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease, padding 0.3s ease;
}

.faq-item.open .faq-answer {
  max-height: 500px;
  padding-bottom: 1.25rem;
}

.faq-answer p {
  color: var(--gray-600);
  font-size: 0.95rem;
}

/* ── CTA SECTION ── */
.cta-section {
  background: linear-gradient(135deg, var(--blue-900) 0%, var(--blue-700) 100%);
  color: var(--white);
  padding: 4rem 1.5rem;
  text-align: center;
}

.cta-section h2 {
  color: var(--white);
  margin-bottom: 1rem;
}

.cta-section p {
  color: rgba(255,255,255,0.9);
  max-width: 600px;
  margin: 0 auto 2rem;
  font-size: 1.1rem;
}

.cta-phone {
  display: inline-flex;
  align-items: center;
  gap: 0.75rem;
  background: var(--white);
  color: var(--blue-900);
  font-size: 1.5rem;
  font-weight: 700;
  padding: 1rem 2.5rem;
  border-radius: 50px;
  text-decoration: none;
  transition: all 0.3s;
  box-shadow: var(--shadow-lg);
}

.cta-phone:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-xl);
  color: var(--blue-700);
}

.cta-phone svg {
  width: 32px;
  height: 32px;
  fill: var(--blue-600);
}

.cta-or {
  margin: 1.5rem 0;
  font-size: 0.9rem;
  opacity: 0.7;
}

.cta-form {
  max-width: 500px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.cta-form input,
.cta-form select {
  padding: 1rem 1.25rem;
  border: 2px solid rgba(255,255,255,0.3);
  border-radius: 50px;
  background: rgba(255,255,255,0.1);
  color: var(--white);
  font-size: 1rem;
  font-family: var(--font-body);
}

.cta-form input::placeholder { color: rgba(255,255,255,0.6); }

.cta-form select {
  appearance: none;
  cursor: pointer;
}

.cta-form select option {
  color: var(--gray-900);
  background: var(--white);
}

.cta-form button {
  background: var(--gold-500);
  color: var(--white);
  border: none;
  padding: 1rem 2rem;
  border-radius: 50px;
  font-size: 1.1rem;
  font-weight: 700;
  cursor: pointer;
  transition: all 0.3s;
  font-family: var(--font-body);
}

.cta-form button:hover {
  background: var(--gold-400);
  transform: translateY(-2px);
}

/* ── FOOTER ── */
.site-footer {
  background: var(--gray-900);
  color: var(--gray-400);
  padding: 3rem 1.5rem 1.5rem;
  font-size: 0.85rem;
  line-height: 1.8;
}

.footer-inner {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 2rem;
  max-width: 1200px;
  margin: 0 auto;
}

.footer-col h4 {
  color: var(--white);
  font-family: var(--font-body);
  font-size: 0.95rem;
  margin-bottom: 0.75rem;
}

.footer-col a {
  color: var(--gray-400);
  text-decoration: none;
}

.footer-col a:hover {
  color: var(--white);
}

.footer-col ul {
  list-style: none;
}

.footer-col li {
  margin-bottom: 0.25rem;
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  margin-top: 2rem;
  padding-top: 1.5rem;
  text-align: center;
  max-width: 1200px;
  margin-left: auto;
  margin-right: auto;
}

.footer-bottom p {
  margin-bottom: 0.25rem;
}

/* ── RESPONSIVE ── */
@media (max-width: 768px) {
  html { font-size: 18px; }

  .hero { padding: 3rem 1.5rem; }
  .hero h1 { font-size: 2rem; }

  .header-inner { flex-wrap: wrap; gap: 0.5rem; }

  .menu-toggle { display: block; }

  .nav-list {
    display: none;
    flex-direction: column;
  }

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

  .nav-list a {
    padding: 1rem 1.5rem;
    border-top: 1px solid rgba(255,255,255,0.1);
  }

  .services-grid { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }

  .trust-bar-inner { gap: 1.5rem; }

  .hero-trust { flex-direction: column; gap: 0.75rem; }

  .cta-phone { font-size: 1.2rem; padding: 0.85rem 2rem; }

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

@media (max-width: 480px) {
  html { font-size: 17px; }
  .hero h1 { font-size: 1.7rem; }
  h2 { font-size: 1.5rem; }
}

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

/* Skip to content link */
.skip-link {
  position: absolute;
  top: -100%;
  left: 50%;
  transform: translateX(-50%);
  background: var(--blue-900);
  color: var(--white);
  padding: 0.75rem 1.5rem;
  border-radius: 0 0 8px 8px;
  z-index: 200;
  text-decoration: none;
  font-weight: 600;
}

.skip-link:focus {
  top: 0;
}