:root{
  --navy:#1F3864; --navy-d:#16294a; --navy-xd:#101f39;
  --blue:#7FA8D9; --blue-d:#5b8ac4; --blue-tint:#eaf1fa;
  --ink:#1c2535; --body:#4a5668; --muted:#6b7688;
  --paper:#ffffff; --mist:#EAF1FA; --mist-d:#D9E6F5; --line:#dfe6ef; --line-blue:#cfdff1;
  --r:8px; --r-lg:12px;
  /* one spacing scale — everything below uses these */
  --sp-section:104px; --sp-head:56px; --sp-gap:28px; --sp-row:20px; --sp-tight:14px;
  --maxw:1120px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
html,body{overflow-x:hidden;max-width:100%}
body{font-family:'Inter',system-ui,sans-serif;color:var(--body);background:var(--paper);line-height:1.6;-webkit-font-smoothing:antialiased;font-size:17px}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
.wrap{width:min(var(--maxw),calc(100% - 48px));margin:0 auto}
section{padding:var(--sp-section) 0}
h1,h2,h3,h4{color:var(--ink);line-height:1.2;letter-spacing:-.015em;font-weight:700}
h2{font-size:clamp(32px,3.7vw,46px);font-weight:800;letter-spacing:-.025em}
h3{font-size:19px;font-weight:600;letter-spacing:-.01em}
p{margin:0}

/* section heading block — identical spacing everywhere */
.shead{max-width:660px;margin-bottom:var(--sp-head)}
.shead.mid{margin-left:auto;margin-right:auto;text-align:center}
.label{display:block;font-size:12.5px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--blue-d);margin-bottom:var(--sp-tight)}
.shead h2{margin-bottom:var(--sp-tight)}
.shead p{font-size:18px;color:var(--muted)}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-family:inherit;font-size:16px;font-weight:600;padding:14px 26px;border-radius:var(--r);border:1.5px solid transparent;cursor:pointer;transition:background .18s,border-color .18s,color .18s}
.btn-primary{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-primary:hover{background:var(--navy-d);border-color:var(--navy-d)}
.btn-light{background:#fff;color:var(--navy);border-color:#fff}
.btn-light:hover{background:var(--blue-tint);border-color:var(--blue-tint)}
.btn-out{background:transparent;color:#fff;border-color:rgba(255,255,255,.5)}
.btn-out:hover{border-color:#fff;background:rgba(255,255,255,.1)}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--line-blue)}
.btn-ghost:hover{border-color:var(--navy)}

/* top bar */
.topbar{background:var(--navy-xd);color:#b9c6dd;font-size:14px;padding:10px 0}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:var(--sp-row)}
.topbar a{color:#fff;border-bottom:1px solid rgba(255,255,255,.35)}
.topbar a:hover{border-color:#fff}
.topbar .tel{white-space:nowrap;font-weight:600;color:#fff}

/* header */
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.nav{display:flex;align-items:center;justify-content:space-between;gap:40px;height:88px}
.logo img{height:58px;width:auto}
.navlinks{display:flex;align-items:center;gap:30px;margin-left:auto}
.navlinks a{font-size:16px;font-weight:500;color:var(--ink);padding:6px 0;border-bottom:2px solid transparent}
.navlinks a:hover{border-color:var(--blue)}
.navlinks .btn{border-bottom:none;padding:11px 22px;font-size:15px;color:#fff}
.navlinks .btn:hover{border-bottom:none}
.burger{display:none;background:none;border:none;cursor:pointer;padding:8px}
.burger span{display:block;width:26px;height:2.5px;background:var(--navy);margin:5px 0;border-radius:2px;transition:.3s}
.mobtools{display:none;align-items:center;gap:10px}
.iconbtn{width:44px;height:44px;border-radius:var(--r);background:var(--navy);display:flex;align-items:center;justify-content:center}
.iconbtn svg{width:20px;height:20px;stroke:#fff}

/* ---------- HERO BANNER (full-bleed photo) ---------- */
.hero{position:relative;overflow:hidden;min-height:660px;display:flex;align-items:center;padding:0;background:var(--navy-d)}
.hero-img{position:absolute;inset:0}
.hero-img img{width:100%;height:100%;object-fit:cover}
.hero-img::after{content:"";position:absolute;inset:0;
  background:linear-gradient(100deg,rgba(16,31,57,.97) 0%,rgba(16,31,57,.93) 38%,rgba(16,31,57,.66) 62%,rgba(16,31,57,.34) 100%)}
.hero .wrap{position:relative;z-index:2;padding:84px 0}
.hero-copy{max-width:580px}
.hero h1{color:#fff;font-size:clamp(34px,4.6vw,52px);line-height:1.12;margin-bottom:var(--sp-row)}
.hero h1 em{font-style:normal;color:var(--blue)}
.hero-sub{color:#cdd8e8;font-size:19px;margin-bottom:var(--sp-gap);max-width:510px}
.hero-btns{display:flex;gap:var(--sp-tight);flex-wrap:wrap;margin-bottom:var(--sp-gap)}
.hero-points{display:flex;gap:var(--sp-gap);flex-wrap:wrap;padding-top:var(--sp-gap);border-top:1px solid rgba(255,255,255,.18)}
.hero-points li{list-style:none;display:flex;align-items:center;gap:9px;color:#dbe4f0;font-size:15px}
.hero-points svg{width:17px;height:17px;flex:none;stroke:var(--blue)}

/* ---------- who we help: plain list, no card soup ---------- */
.helps{background:#fff}
.help-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 56px}
.help-grid div{display:flex;gap:var(--sp-row);padding:22px 0;border-top:1px solid var(--line)}
.help-grid div:nth-child(1),.help-grid div:nth-child(2){border-top:none;padding-top:0}
.help-grid strong{display:block;color:var(--ink);font-weight:600;font-size:17px;margin-bottom:3px}
.help-grid p{font-size:15.5px;color:var(--muted)}
.help-grid .n{font-size:13px;font-weight:600;color:var(--blue-d);padding-top:3px;min-width:22px}

/* ---------- steps ---------- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--sp-gap)}
.step figure{aspect-ratio:4/3;border-radius:var(--r-lg);overflow:hidden;margin-bottom:var(--sp-row);background:var(--blue-tint)}
.step figure img{width:100%;height:100%;object-fit:cover}
.step .k{font-size:13px;font-weight:700;color:var(--blue-d);letter-spacing:.08em;margin-bottom:8px}
.step h3{margin-bottom:8px}
.step p{font-size:16px}
.disclose{margin-top:var(--sp-head);padding:var(--sp-gap);background:var(--blue-tint);border-left:3px solid var(--blue);border-radius:0 var(--r) var(--r) 0;font-size:16px;color:var(--navy-d)}
.disclose strong{color:var(--navy)}

/* ---------- why: asymmetric photo + list ---------- */
.why{background:var(--mist)}
.why-in{display:grid;grid-template-columns:360px minmax(0,1fr);gap:72px;align-items:center}
.why-list{margin-top:var(--sp-gap)}
.why-list div{padding:var(--sp-row) 0;border-top:1px solid var(--line)}
.why-list div:first-child{border-top:none;padding-top:0}
.why-list h3{margin-bottom:5px}
.why-list p{font-size:16px;color:var(--muted)}

/* ---------- free advice ---------- */
.free-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--sp-gap)}
.free-grid a{display:block;padding:var(--sp-gap);border:1px solid var(--line-blue);border-radius:var(--r);transition:border-color .18s,background .18s}
.free-grid a:hover{border-color:var(--navy);background:var(--blue-tint)}
.free-grid h3{margin-bottom:6px}
.free-grid p{font-size:15px;color:var(--muted);margin-bottom:var(--sp-tight)}
.free-grid span{font-size:14.5px;font-weight:600;color:var(--navy)}

/* ---------- photos: no fixed ratio, so nothing is ever cropped ---------- */
.help-pic img,.why-pic img,.expect-pic img{width:100%;height:auto;display:block;border-radius:var(--r-lg)}

/* Who we help: copy + list left, photo hard right */
.help-split{display:grid;grid-template-columns:minmax(0,1fr) 330px;column-gap:64px;align-items:start}
.help-split .shead{grid-column:1;grid-row:1}
.help-split .help-pic{grid-column:2;grid-row:1 / span 2;align-self:center}
.help-split .help-grid{grid-column:1;grid-row:2}
.help-split .help-grid{gap:0 40px}

/* Why PHMD: photo hard left, copy right */
.why-in > div:first-child{grid-column:2;grid-row:1}
.why-pic{grid-column:1;grid-row:1}

/* What to expect: copy left, photo hard right */
.expect{display:grid;grid-template-columns:minmax(0,1fr) 380px;column-gap:72px;align-items:center}

/* ---------- what to expect ---------- */
.expect{margin-top:var(--sp-section);padding-top:var(--sp-head);border-top:1px solid var(--line)}
.expect-h{font-size:19px;font-weight:600;margin-bottom:var(--sp-gap)}
.expect-grid{display:grid;grid-template-columns:1fr;gap:var(--sp-row)}
.expect-grid div{padding-top:var(--sp-row);border-top:2px solid var(--blue)}
.expect-grid h3{margin-bottom:6px}
.expect-grid p{font-size:16px;color:var(--muted)}

/* ---------- faq ---------- */
.faq-wrap{max-width:780px}
.faq{border-top:1px solid var(--line)}
.faq:last-child{border-bottom:1px solid var(--line)}
.faq button{width:100%;display:flex;justify-content:space-between;align-items:center;gap:var(--sp-row);background:none;border:none;cursor:pointer;padding:var(--sp-row) 0;font-family:inherit;font-size:17.5px;font-weight:600;color:var(--ink);text-align:left}
.faq .sign{flex:none;width:20px;height:20px;position:relative}
.faq .sign::before,.faq .sign::after{content:"";position:absolute;background:var(--blue-d);border-radius:2px;transition:transform .25s}
.faq .sign::before{top:9px;left:0;width:20px;height:2px}
.faq .sign::after{left:9px;top:0;width:2px;height:20px}
.faq.open .sign::after{transform:scaleY(0)}
.faq .body{max-height:0;overflow:hidden;transition:max-height .3s ease}
.faq .body p{padding-bottom:var(--sp-row);font-size:16.5px;color:var(--muted);max-width:68ch}

/* ---------- contact ---------- */
.contact{background:#fff}
.contact-in{display:grid;grid-template-columns:1fr 1.05fr;gap:72px;align-items:start}
.cshot{aspect-ratio:4/3;border-radius:var(--r-lg);overflow:hidden;margin-bottom:var(--sp-gap);background:var(--blue-tint)}
.cshot img{width:100%;height:100%;object-fit:cover}
.cinfo div{padding:var(--sp-row) 0;border-top:1px solid var(--line)}
.cinfo div:first-of-type{border-top:none;padding-top:0}
.cinfo h3{font-size:15px;margin-bottom:3px}
.cinfo p{color:var(--ink);font-size:17px}
.tbc{display:inline-block;font-size:12px;font-weight:600;color:var(--blue-d);background:var(--blue-tint);border-radius:4px;padding:2px 8px;margin-left:6px;vertical-align:1px}
form{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:var(--sp-head)}
form h3{font-size:22px;font-weight:700;margin-bottom:6px}
.fsub{font-size:15.5px;color:var(--muted);margin-bottom:var(--sp-gap)}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:var(--sp-row)}
.fg{margin-bottom:var(--sp-row)}
.fg label{display:block;font-size:14.5px;font-weight:600;color:var(--ink);margin-bottom:7px}
.fg input,.fg textarea{width:100%;font-family:inherit;font-size:16px;color:var(--ink);background:#fff;border:1.5px solid var(--line);border-radius:var(--r);padding:12px 14px;transition:border-color .18s}
.fg input:focus,.fg textarea:focus{outline:none;border-color:var(--navy)}
.fg textarea{resize:vertical;min-height:104px}
.consent{display:flex;gap:11px;align-items:flex-start;font-size:14.5px;color:var(--muted);margin-bottom:var(--sp-gap)}
.consent input{margin-top:3px;accent-color:var(--navy);width:17px;height:17px;flex:none}
form .btn{width:100%}
.done{display:none;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:var(--sp-section) var(--sp-head);text-align:center}
.done h3{margin-bottom:8px}

/* ---------- cta ---------- */
.cta{background:var(--navy);color:#fff;text-align:center}
.cta h2{color:#fff;margin-bottom:var(--sp-tight)}
.cta p{color:#c3d0e4;max-width:520px;margin:0 auto var(--sp-gap);font-size:18px}


/* ---------- enquiry modal ---------- */
.eq-overlay{position:fixed;inset:0;z-index:200;display:none;align-items:center;justify-content:center;padding:24px;
  background:rgba(16,31,57,.62);backdrop-filter:blur(3px);opacity:0;transition:opacity .22s ease}
.eq-overlay.open{display:flex}
.eq-overlay.show{opacity:1}
.eq-card{position:relative;width:min(560px,100%);max-height:calc(100vh - 48px);overflow:auto;background:#fff;
  border-radius:16px;box-shadow:0 30px 80px rgba(16,31,57,.4);padding:38px 40px 34px;
  transform:translateY(14px) scale(.985);transition:transform .26s cubic-bezier(.2,.8,.3,1)}
.eq-overlay.show .eq-card{transform:none}
.eq-x{position:absolute;top:14px;right:14px;width:38px;height:38px;border:none;background:transparent;border-radius:8px;
  cursor:pointer;color:var(--muted);font-size:26px;line-height:1;display:flex;align-items:center;justify-content:center}
.eq-x:hover{background:var(--mist);color:var(--ink)}
.eq-top{display:flex;align-items:center;gap:14px;margin-bottom:26px;padding-right:46px;min-height:38px}
.eq-back{border:none;background:none;cursor:pointer;color:var(--blue-d);font:inherit;font-size:14.5px;font-weight:600;padding:4px 0;visibility:hidden}
.eq-back:hover{color:var(--navy)}
.eq-count{margin-left:auto;font-size:13px;font-weight:600;color:var(--muted);letter-spacing:.04em}
.eq-rail{height:3px;background:var(--line);border-radius:2px;overflow:hidden;margin-bottom:26px}
.eq-fill{display:block;height:100%;width:25%;background:var(--blue-d);border-radius:2px;transition:width .3s ease}
.eq-step{display:none;animation:eqIn .28s ease both}
.eq-step.on{display:block}
@keyframes eqIn{from{opacity:0;transform:translateX(12px)}to{opacity:1;transform:none}}
.eq-q{font-size:22px;font-weight:700;color:var(--ink);letter-spacing:-.01em;margin-bottom:6px;line-height:1.25}
.eq-hint{font-size:15px;color:var(--muted);margin-bottom:22px}
.eq-opts{display:grid;gap:10px}
.eq-opt{display:flex;align-items:center;justify-content:space-between;gap:12px;width:100%;text-align:left;
  font:inherit;font-size:16.5px;font-weight:500;color:var(--ink);background:#fff;border:1.5px solid var(--line);
  border-radius:10px;padding:16px 18px;cursor:pointer;transition:border-color .15s,background .15s,transform .12s}
.eq-opt:hover{border-color:var(--blue-d);background:var(--blue-tint)}
.eq-opt:active{transform:scale(.99)}
.eq-opt svg{width:17px;height:17px;flex:none;opacity:0;transition:opacity .15s;stroke:var(--blue-d)}
.eq-opt:hover svg{opacity:1}
.eq-card form{background:none;border:none;border-radius:0;padding:0}
.eq-card .frow{gap:14px}
.eq-card .fg{margin-bottom:14px}
.eq-card .consent{margin-bottom:20px}
.eq-card .btn{width:100%}
.eq-done{display:none;text-align:center;padding:16px 0 8px}
.eq-done.on{display:block}
.eq-tick{width:54px;height:54px;margin:0 auto 18px;border-radius:50%;background:var(--blue-tint);display:flex;align-items:center;justify-content:center}
.eq-tick svg{width:26px;height:26px;stroke:var(--navy)}
.eq-done h3{font-size:22px;margin-bottom:8px}
.eq-done p{color:var(--muted);font-size:16px}
body.eq-lock{overflow:hidden}
@media(max-width:600px){
  .eq-overlay{padding:0;align-items:flex-end}
  .eq-card{width:100%;max-height:92vh;border-radius:16px 16px 0 0;padding:30px 22px 26px}
  .eq-q{font-size:20px}
  .eq-opt{font-size:16px;padding:15px 16px}
}


/* ---------- finishing touches ---------- */
::selection{background:var(--blue);color:var(--navy-xd)}
:focus-visible{outline:2px solid var(--blue-d);outline-offset:3px;border-radius:5px}
section[id],div[id]{scroll-margin-top:104px}
h1,h2{text-wrap:balance}
.shead p,.hero-sub{text-wrap:pretty}

/* hairline reading-progress line */
.sprog{position:fixed;top:0;left:0;height:2px;width:0;background:var(--blue-d);z-index:100;
  transition:width .08s linear;pointer-events:none}

/* header settles as you scroll */
header{transition:box-shadow .3s ease}
header.stuck{box-shadow:0 1px 0 var(--line),0 10px 28px rgba(31,56,100,.07)}
.nav{transition:height .3s cubic-bezier(.2,.7,.3,1)}
header.stuck .nav{height:74px}
.logo img{transition:height .3s cubic-bezier(.2,.7,.3,1)}
header.stuck .logo img{height:48px}

/* hero: a slow settle on the photo, copy rises in */
.hero-img img{animation:heroSettle 20s cubic-bezier(.2,.6,.3,1) both}
@keyframes heroSettle{from{transform:scale(1.07)}to{transform:scale(1)}}
.hero-copy > *{animation:rise .75s cubic-bezier(.2,.7,.3,1) both}
.hero-copy > *:nth-child(1){animation-delay:.08s}
.hero-copy > *:nth-child(2){animation-delay:.18s}
.hero-copy > *:nth-child(3){animation-delay:.28s}
.hero-copy > *:nth-child(4){animation-delay:.38s}
@keyframes rise{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:none}}

/* photos uncover rather than just fade */
.ph-rv{clip-path:inset(0 0 12% 0);opacity:0;transform:scale(1.015);
  transition:clip-path 1s cubic-bezier(.2,.7,.3,1),opacity .8s ease,transform 1s cubic-bezier(.2,.7,.3,1)}
.ph-rv.in{clip-path:inset(0 0 0 0);opacity:1;transform:none}

/* a rule that draws itself in beside each section label */
.label{display:inline-flex;align-items:center;gap:11px}
.label::before{content:"";width:0;height:2px;background:var(--blue);border-radius:1px;
  transition:width .65s cubic-bezier(.2,.7,.3,1) .15s}
.in .label::before{width:26px}

/* small motions on the things you click */
.btn svg{transition:transform .22s cubic-bezier(.2,.7,.3,1)}
.btn:hover svg{transform:translateX(3px)}
.free-grid span{display:inline-block;transition:transform .22s cubic-bezier(.2,.7,.3,1)}
.free-grid a:hover span{transform:translateX(3px)}
.free-grid a{transition:border-color .2s,background .2s,transform .25s cubic-bezier(.2,.7,.3,1)}
.free-grid a:hover{transform:translateY(-2px)}
.step figure img{transition:transform .7s cubic-bezier(.2,.7,.3,1)}
.step:hover figure img{transform:scale(1.03)}
.help-grid div strong{transition:color .2s}
.help-grid div:hover strong{color:var(--blue-d)}
.eq-opt{position:relative;overflow:hidden}

@media(prefers-reduced-motion:reduce){
  .hero-img img,.hero-copy > *{animation:none}
  .ph-rv{clip-path:none;opacity:1;transform:none;transition:none}
  .sprog{display:none}
  .nav,.logo img{transition:none}
}


/* ---------- showpiece motion ---------- */
/* headline: each line lifts out from behind a mask */
.hero-h1 .ln{display:block;overflow:hidden;padding-bottom:.06em}
.hero-h1 .ln i{display:block;font-style:normal;transform:translateY(110%);
  animation:lineUp .95s cubic-bezier(.16,.84,.26,1) forwards}
.hero-h1 .ln:nth-child(1) i{animation-delay:.15s}
.hero-h1 .ln:nth-child(2) i{animation-delay:.28s}
.hero-h1 .ln:nth-child(3) i{animation-delay:.41s}
@keyframes lineUp{to{transform:none}}
/* a line sweeps under the accent words once they land */
.hero-h1 em{position:relative;display:inline-block}
.hero-h1 em::after{content:"";position:absolute;left:0;right:0;bottom:.06em;height:3px;border-radius:2px;
  background:var(--blue);transform:scaleX(0);transform-origin:left;
  animation:sweep .9s cubic-bezier(.16,.84,.26,1) 1.15s forwards}
@keyframes sweep{to{transform:scaleX(1)}}

/* depth: the hero photo and the section photos drift at different rates.
   The frames move as a whole, so no photo is ever cropped by this. */
.hero-img{top:-70px;bottom:-70px;will-change:transform}
.px-wrap{will-change:transform}

/* fine grain over the dark areas */
.hero::after,.cta::after,footer::after{content:"";position:absolute;inset:0;pointer-events:none;opacity:.05;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='3'/%3E%3C/filter%3E%3Crect width='160' height='160' filter='url(%23n)'/%3E%3C/svg%3E")}
.cta,footer{position:relative}
.cta .wrap,footer .wrap{position:relative;z-index:2}

/* cursor follows a soft light across the closing band */
.cta{overflow:hidden}
.cta .glow{position:absolute;width:620px;height:620px;border-radius:50%;pointer-events:none;z-index:1;
  background:radial-gradient(circle,rgba(127,168,217,.26),transparent 62%);
  transform:translate(-50%,-50%);opacity:0;transition:opacity .45s ease}
.cta:hover .glow{opacity:1}

/* lists and cards arrive in sequence rather than all at once */
.casc > *{opacity:0;transform:translateY(22px);
  transition:opacity .62s cubic-bezier(.2,.8,.3,1),transform .62s cubic-bezier(.2,.8,.3,1)}
.casc.in > *{opacity:1;transform:none}
.casc.in > *:nth-child(1){transition-delay:.04s}
.casc.in > *:nth-child(2){transition-delay:.11s}
.casc.in > *:nth-child(3){transition-delay:.18s}
.casc.in > *:nth-child(4){transition-delay:.25s}
.casc.in > *:nth-child(5){transition-delay:.32s}
.casc.in > *:nth-child(6){transition-delay:.39s}
.casc.in > *:nth-child(7){transition-delay:.46s}
.casc.in > *:nth-child(8){transition-delay:.53s}

/* the three steps are joined by a line that draws itself */
.steps{position:relative}
.steps::before{content:"";position:absolute;top:-26px;left:4%;right:4%;height:2px;background:var(--line);
  transform:scaleX(0);transform-origin:left;transition:transform 1.1s cubic-bezier(.2,.8,.3,1) .1s}
.steps.in::before{transform:scaleX(1)}
.steps .dot{position:absolute;top:-31px;width:12px;height:12px;border-radius:50%;background:var(--blue-d);
  transform:scale(0);transition:transform .45s cubic-bezier(.3,1.4,.5,1)}
.steps.in .dot{transform:scale(1)}
.steps .dot:nth-of-type(1){left:4%;transition-delay:.25s}
.steps .dot:nth-of-type(2){left:calc(50% - 6px);transition-delay:.6s}
.steps .dot:nth-of-type(3){right:4%;transition-delay:.95s}
@media(max-width:980px){.steps::before,.steps .dot{display:none}}

@media(prefers-reduced-motion:reduce){
  .hero-h1 .ln i,.hero-h1 em::after{animation:none;transform:none}
  .casc > *{opacity:1;transform:none;transition:none}
  .steps::before{transform:scaleX(1)}
  .steps .dot{transform:scale(1)}
  .cta .glow{display:none}
}

/* ---------- footer ---------- */
footer{background:var(--navy-xd);color:#9aa8c0;padding:var(--sp-section) 0 40px;font-size:15px}
.fgrid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:64px;padding-bottom:var(--sp-head)}
footer img{height:76px;width:auto;margin-bottom:var(--sp-row)}
footer h4{color:#fff;font-size:15px;font-weight:600;margin-bottom:var(--sp-tight)}
footer ul{list-style:none}
footer li{margin-bottom:9px}
footer a:hover{color:#fff}
.legal{border-top:1px solid rgba(255,255,255,.12);padding-top:var(--sp-gap);font-size:13.5px;line-height:1.7;color:#8694ad}
.legal p+p{margin-top:var(--sp-tight)}
.legal strong{color:#b4c1d6}
.legal .tbc{background:rgba(127,168,217,.16);color:#c6d3e7}

/* ---------- responsive ---------- */
@media(max-width:980px){
  :root{--sp-section:72px;--sp-head:40px;--sp-gap:22px}
  .wrap{width:calc(100% - 40px)}
  .why-in,.contact-in{grid-template-columns:1fr;gap:var(--sp-head)}
  .why-in > div:first-child,.why-pic{grid-column:1;grid-row:auto}
  .why-pic{order:2;max-width:320px;margin:0 auto;width:100%}
  .help-split{grid-template-columns:1fr;row-gap:var(--sp-head)}
  .help-split .shead,.help-split .help-pic,.help-split .help-grid{grid-column:1;grid-row:auto}
  .help-split .help-pic{max-width:320px;margin:0 auto;width:100%}
  .help-split .shead{margin-bottom:0}
  .expect{grid-template-columns:1fr;row-gap:var(--sp-head)}
  .expect-pic{max-width:320px;margin:0 auto;width:100%}
  .help-grid{grid-template-columns:1fr;gap:0}
  .help-grid div:nth-child(2){border-top:1px solid var(--line);padding-top:22px}
  .steps{grid-template-columns:1fr;gap:var(--sp-head)}
  .free-grid{grid-template-columns:1fr 1fr}
  .expect-grid{grid-template-columns:1fr;gap:var(--sp-row)}
  .fgrid{grid-template-columns:1fr;gap:var(--sp-head)}
  .navlinks{position:fixed;inset:0;background:#fff;flex-direction:column;justify-content:center;gap:var(--sp-gap);transform:translateX(100%);visibility:hidden;transition:transform .3s,visibility .3s;z-index:60}
  .navlinks.open{transform:none;visibility:visible}
  .navlinks a{font-size:20px}
  .navlinks .btn{display:none}
  .burger{display:block;z-index:70}
  .mobtools{display:flex}
  .burger.open span:nth-child(1){transform:translateY(7.5px) rotate(45deg)}
  .burger.open span:nth-child(2){opacity:0}
  .burger.open span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}
  .nav{height:76px;gap:var(--sp-row)}
  .logo img{height:50px}
  /* mobile: photo reads as its own band, copy sits on solid navy below */
  .hero{min-height:0;display:block;background:var(--navy-d)}
  .hero-img{position:relative;height:270px;top:0;bottom:0;transform:none!important}
  .hero-img img{animation:none}
  .hero-img::after{background:linear-gradient(180deg,rgba(16,31,57,.10) 0%,rgba(16,31,57,.30) 70%,rgba(16,31,57,.55) 100%)}
  .hero .wrap{padding:var(--sp-head) 0 var(--sp-section)}
  .hero-copy{max-width:none}
}
@media(max-width:600px){
  :root{--sp-section:60px;--sp-head:34px;--sp-gap:20px}
  body{font-size:16px}
  .wrap{width:calc(100% - 32px)}
  .topbar{font-size:13px}
  .topbar .wrap{flex-direction:column;gap:4px;text-align:center}
  .free-grid{grid-template-columns:1fr}
  .frow{grid-template-columns:1fr;gap:0}
  form{padding:var(--sp-gap)}
  .hero-points{flex-direction:column;gap:var(--sp-tight)}
  .hero-btns .btn{flex:1 1 100%}
}

/* reveal */
.rv{opacity:0;transform:translateY(16px);transition:opacity .6s ease,transform .6s ease}
.rv.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.rv{opacity:1;transform:none;transition:none}}


/* =====================================================================
   POP: stronger colour rhythm, bigger type, photo blocks, watermarks
   ===================================================================== */
.hero h1{font-size:clamp(38px,5vw,60px);font-weight:800;letter-spacing:-.03em}
.btn{padding:15px 28px;font-size:16px}
.btn-primary{box-shadow:0 8px 20px rgba(31,56,100,.22)}
.btn-primary:hover{transform:translateY(-1px);box-shadow:0 12px 26px rgba(31,56,100,.28)}
.btn-light{box-shadow:0 8px 20px rgba(0,0,0,.18)}
.label{color:var(--blue-d);font-size:13px}

/* photos get a solid colour block set behind them */
.help-pic,.why-pic,.expect-pic,.cshot{position:relative;z-index:1}
.help-pic::before,.why-pic::before,.expect-pic::before,.cshot::before{content:"";position:absolute;z-index:-1;
  inset:22px -22px -22px 22px;border-radius:var(--r-lg);background:var(--mist-d)}
.why-pic::before{background:var(--navy);inset:22px 22px -22px -22px}
.cshot::before{background:var(--blue)}
.help-pic img,.why-pic img,.expect-pic img,.cshot img{box-shadow:0 20px 50px rgba(31,56,100,.16)}

/* Who we help: bolder list */
.help-grid .n{font-size:14px;font-weight:800;color:var(--blue-d)}
.help-grid strong{font-size:18px}
.help-grid div{border-top-color:var(--line-blue)}
.help-grid div{transition:transform .25s cubic-bezier(.2,.7,.3,1)}
.help-grid div:hover{transform:translateX(4px)}

/* How it works: navy block */
#how{background:var(--navy);color:#c8d4e8;position:relative;overflow:hidden}
#how .shead h2{color:#fff}
#how .shead p{color:#b4c3dd}
#how .label{color:var(--blue)}
#how .label::before{background:var(--blue)}
#how .step h3{color:#fff}
#how .step p{color:#b4c3dd}
#how .step .k{color:var(--blue)}
#how .step figure{box-shadow:0 18px 44px rgba(0,0,0,.35);border:3px solid rgba(255,255,255,.08)}
#how .steps::before{background:rgba(127,168,217,.35)}
#how .steps .dot{background:var(--blue);box-shadow:0 0 0 6px rgba(127,168,217,.18)}
#how .disclose{background:rgba(255,255,255,.07);border-left-color:var(--blue);color:#dbe5f3}
#how .disclose strong{color:#fff}
#how::after{content:"";position:absolute;inset:0;pointer-events:none;opacity:.05;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='3'/%3E%3C/filter%3E%3Crect width='160' height='160' filter='url(%23n)'/%3E%3C/svg%3E")}
#how .wrap{position:relative;z-index:2}

/* brand mark watermark on dark bands */
.wm{position:absolute;right:-4%;bottom:-6%;width:min(560px,70%);opacity:.06;pointer-events:none;z-index:1;user-select:none}
.wm img{width:100%;height:auto;display:block}
#how .wm{opacity:.045;bottom:auto;top:-4%}

/* free advice cards: stronger */
.free-grid a{border-top:4px solid var(--blue);background:#fff;box-shadow:0 8px 24px rgba(31,56,100,.06)}
.free-grid a:hover{border-color:var(--navy);box-shadow:0 18px 40px rgba(31,56,100,.12);transform:translateY(-4px)}
.free-grid h3{color:var(--navy)}

/* what to expect: numbered pops */
.expect-grid div{border-top-width:3px}

/* FAQ band */
#faqs{background:var(--mist)}
.faq{border-top-color:var(--line-blue)}
.faq:last-child{border-bottom-color:var(--line-blue)}

/* contact form: navy top band */
form{border:none;box-shadow:0 24px 60px rgba(31,56,100,.14);overflow:hidden;padding-top:calc(var(--sp-head) + 8px);position:relative}
form::before{content:"";position:absolute;left:0;right:0;top:0;height:8px;background:linear-gradient(90deg,var(--navy),var(--blue))}

/* closing band + footer with the mark */
.cta{padding:calc(var(--sp-section) + 20px) 0}
.cta h2{font-size:clamp(34px,4.2vw,52px)}
.cta .wm{opacity:.07}
footer .wm{opacity:.04;width:min(420px,60%);bottom:12%}
footer{overflow:hidden}

/* ---------- inner pages ---------- */
.page-hero{background:var(--navy);color:#fff;position:relative;overflow:hidden;padding:calc(var(--sp-section) - 20px) 0}
.page-hero .wrap{position:relative;z-index:2;display:grid;grid-template-columns:minmax(0,1.15fr) .85fr;gap:64px;align-items:center}
.page-hero .label{color:var(--blue)}
.page-hero .label::before{background:var(--blue);width:26px}
.page-hero h1{color:#fff;font-size:clamp(34px,4.6vw,54px);font-weight:800;letter-spacing:-.03em;margin-bottom:var(--sp-row)}
.page-hero p{color:#c8d4e8;font-size:19px;max-width:560px}
.page-hero .btns{display:flex;gap:var(--sp-tight);flex-wrap:wrap;margin-top:var(--sp-gap)}
.page-hero figure{position:relative;z-index:1;max-width:360px;margin-left:auto}
.page-hero figure::before{content:"";position:absolute;inset:22px -22px -22px 22px;border-radius:var(--r-lg);background:rgba(127,168,217,.22);z-index:-1}
.page-hero figure img{width:100%;height:auto;display:block;border-radius:var(--r-lg);box-shadow:0 24px 60px rgba(0,0,0,.35)}
.page-hero.slim .wrap{grid-template-columns:1fr}
.page-hero::after{content:"";position:absolute;inset:0;pointer-events:none;opacity:.05;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='3'/%3E%3C/filter%3E%3Crect width='160' height='160' filter='url(%23n)'/%3E%3C/svg%3E")}
.crumbs{display:flex;gap:8px;flex-wrap:wrap;font-size:14px;color:#9fb0cf;margin-bottom:var(--sp-row)}
.crumbs a{color:#c8d4e8;border-bottom:1px solid rgba(255,255,255,.25)}
.crumbs a:hover{color:#fff}

.prose{max-width:720px}
.prose h2{font-size:clamp(26px,2.8vw,34px);margin:var(--sp-head) 0 var(--sp-tight)}
.prose h2:first-child{margin-top:0}
.prose h3{margin:var(--sp-gap) 0 8px;font-size:20px}
.prose p{margin-bottom:var(--sp-row);font-size:17px}
.prose ul{margin:0 0 var(--sp-row) 22px}
.prose li{margin-bottom:8px}
.prose a{color:var(--navy);font-weight:600;border-bottom:2px solid var(--blue)}
.prose .note{background:var(--mist);border-left:3px solid var(--blue);padding:var(--sp-row) var(--sp-gap);border-radius:0 var(--r) var(--r) 0;margin:var(--sp-gap) 0}
.prose .note p:last-child{margin:0}

.two-col{display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:72px;align-items:start}
.aside{position:sticky;top:120px}
.aside-card{background:var(--navy);color:#fff;border-radius:var(--r-lg);padding:34px 32px;box-shadow:0 24px 60px rgba(31,56,100,.22);position:relative;overflow:hidden}
.aside-card h3{color:#fff;font-size:21px;margin-bottom:8px}
.aside-card p{color:#c8d4e8;font-size:15.5px;margin-bottom:var(--sp-gap)}
.aside-card .btn{width:100%}
.aside-card .wm{width:70%;opacity:.07;right:-14%;bottom:-18%}
.aside-free{margin-top:var(--sp-gap);background:var(--mist);border-radius:var(--r-lg);padding:26px 28px}
.aside-free h4{font-size:15px;font-weight:700;color:var(--navy);margin-bottom:10px}
.aside-free p{font-size:14.5px;color:var(--muted);margin-bottom:12px}
.aside-free ul{list-style:none}
.aside-free li{margin-bottom:7px;font-size:14.5px}
.aside-free a{color:var(--navy);font-weight:600;border-bottom:2px solid var(--blue)}

.topic-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:var(--sp-gap)}
.topic{display:block;background:#fff;border:1px solid var(--line-blue);border-top:4px solid var(--blue);border-radius:var(--r-lg);padding:30px 30px 26px;
  box-shadow:0 8px 24px rgba(31,56,100,.06);transition:transform .25s cubic-bezier(.2,.7,.3,1),box-shadow .25s,border-color .25s}
.topic:hover{transform:translateY(-4px);box-shadow:0 20px 44px rgba(31,56,100,.13);border-top-color:var(--navy)}
.topic .n{display:block;font-size:13px;font-weight:800;color:var(--blue-d);letter-spacing:.08em;margin-bottom:8px}
.topic h3{font-size:21px;margin-bottom:8px;color:var(--navy)}
.topic p{font-size:15.5px;color:var(--muted);margin-bottom:14px}
.topic span{font-size:14.5px;font-weight:600;color:var(--navy);display:inline-block;transition:transform .2s}
.topic:hover span{transform:translateX(3px)}

.values{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--sp-gap)}
.value{padding:var(--sp-gap);border-radius:var(--r-lg);background:var(--mist)}
.value .ic{width:46px;height:46px;border-radius:12px;background:var(--navy);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.value .ic svg{width:22px;height:22px;stroke:#fff}
.value h3{margin-bottom:6px}
.value p{font-size:15.5px;color:var(--muted)}

.team-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--sp-gap)}
.team-strip figure{border-radius:var(--r-lg);overflow:hidden;aspect-ratio:4/3;box-shadow:0 12px 30px rgba(31,56,100,.12)}
.team-strip img{width:100%;height:100%;object-fit:cover;object-position:50% 0%}

.navlinks a.on{border-color:var(--blue);color:var(--navy)}

@media(max-width:980px){
  .page-hero .wrap{grid-template-columns:1fr;gap:var(--sp-head)}
  .page-hero figure{margin:0 auto;max-width:320px}
  .two-col{grid-template-columns:1fr;gap:var(--sp-head)}
  .aside{position:static}
  .topic-grid{grid-template-columns:1fr}
  .values{grid-template-columns:1fr}
  .team-strip{grid-template-columns:repeat(2,1fr)}
  .help-pic::before,.why-pic::before,.expect-pic::before,.cshot::before{inset:14px -14px -14px 14px}
  .why-pic::before{inset:14px 14px -14px -14px}
  .wm{display:none}
}
@media(max-width:600px){
  .team-strip{grid-template-columns:1fr 1fr}
}

/* people grid: portraits at their true shape, never cropped */
.people{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--sp-head) var(--sp-gap)}
.person{display:flex;flex-direction:column;transition:transform .3s cubic-bezier(.2,.7,.3,1)}
.person:hover{transform:translateY(-6px)}
.person figure{border-radius:var(--r-lg);overflow:hidden;margin-bottom:20px;box-shadow:0 16px 38px rgba(31,56,100,.16);position:relative}
.person figure::after{content:"";position:absolute;left:0;right:0;bottom:0;height:5px;background:var(--blue);transform:scaleX(0);transform-origin:left;transition:transform .45s cubic-bezier(.2,.7,.3,1)}
.person:hover figure::after{transform:scaleX(1)}
.person img{width:100%;aspect-ratio:300/507;height:auto;object-fit:cover;object-position:50% 0%;display:block}
.person h3{font-size:19px;color:var(--navy);margin-bottom:8px}
.person p{font-size:15.5px;color:var(--muted)}

/* navy band */
.common{background:var(--navy);position:relative;overflow:hidden}
.common .wrap{position:relative;z-index:2}
.common-in{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.1fr);gap:72px;align-items:center}
.common h2{color:#fff;margin-bottom:var(--sp-tight)}
.common .label{color:var(--blue)} .common .label::before{background:var(--blue)}
.common-in > div:first-child p{color:#c8d4e8;font-size:18px;margin-bottom:var(--sp-gap)}
.common-points{display:grid;grid-template-columns:1fr 1fr;gap:var(--sp-gap)}
.common-points div{padding:24px 24px 22px;border-radius:var(--r-lg);background:rgba(255,255,255,.06);border-top:3px solid var(--blue)}
.common-points h3{color:#fff;font-size:18px;margin-bottom:6px}
.common-points p{color:#b4c3dd;font-size:15px}
.common::after{content:"";position:absolute;inset:0;pointer-events:none;opacity:.05;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='3'/%3E%3C/filter%3E%3Crect width='160' height='160' filter='url(%23n)'/%3E%3C/svg%3E")}

/* compact link grid to the debt guides */
.debt-links{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.debt-links a{display:flex;align-items:center;justify-content:space-between;gap:12px;background:#fff;border-radius:var(--r);
  padding:20px 20px;font-weight:600;color:var(--navy);border-left:4px solid var(--blue);box-shadow:0 6px 18px rgba(31,56,100,.06);
  transition:transform .22s cubic-bezier(.2,.7,.3,1),box-shadow .22s,border-color .22s}
.debt-links a:hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(31,56,100,.12);border-left-color:var(--navy)}
.debt-links svg{width:18px;height:18px;flex:none;stroke:var(--blue-d);transition:transform .22s}
.debt-links a:hover svg{transform:translateX(3px)}

/* debts hub: grouped by priority */
.dgroup{display:grid;grid-template-columns:300px minmax(0,1fr);gap:56px;padding:var(--sp-head) 0;border-top:1px solid var(--line-blue)}
.shead + .dgroup{border-top:none;padding-top:0}
.dgroup-head{position:sticky;top:120px;align-self:start}
.dgroup-n{display:block;font-size:44px;font-weight:800;line-height:1;color:var(--blue);margin-bottom:12px;letter-spacing:-.03em}
.dgroup-head h2{font-size:28px;margin-bottom:10px}
.dgroup-head p{font-size:15.5px;color:var(--muted)}
.dgroup .topic-grid{grid-template-columns:repeat(2,1fr)}

/* nav fits with the extra item on smaller laptops */
@media(max-width:1260px) and (min-width:981px){
  .nav{gap:24px}
  .navlinks{gap:20px}
  .navlinks a{font-size:15px}
  .navlinks .btn{padding:11px 16px;font-size:14.5px}
}
@media(max-width:980px){
  .people{grid-template-columns:1fr 1fr}
  .common-in{grid-template-columns:1fr;gap:var(--sp-head)}
  .debt-links{grid-template-columns:1fr 1fr}
  .dgroup{grid-template-columns:1fr;gap:var(--sp-gap)}
  .dgroup-head{position:static}
  .dgroup .topic-grid{grid-template-columns:1fr}
}
@media(max-width:600px){
  .people{grid-template-columns:1fr;gap:var(--sp-gap)}
  .person{display:grid;grid-template-columns:118px minmax(0,1fr);gap:16px;align-items:center}
  .person figure{margin:0}
  .person h3{font-size:17px}
  .person p{font-size:14.5px}
  .common-points{grid-template-columns:1fr}
  .debt-links{grid-template-columns:1fr}
}

.topbar .tel{display:inline-flex;flex-wrap:wrap;justify-content:center;gap:6px 10px;align-items:center}
.ph-dummy{white-space:nowrap;background:#FFE45C!important;color:#1c2535!important;font-weight:700;padding:2px 8px;border-radius:4px}

.help-grid a{display:flex;gap:var(--sp-row);padding:22px 0;border-top:1px solid var(--line-blue);transition:transform .25s cubic-bezier(.2,.7,.3,1)}
.help-grid a:nth-child(1),.help-grid a:nth-child(2){border-top:none;padding-top:0}
.help-grid a:hover{transform:translateX(4px)}
.help-grid a:hover strong{color:var(--blue-d)}
@media(max-width:980px){.help-grid a:nth-child(2){border-top:1px solid var(--line-blue);padding-top:22px}}