/* Next Step Credit — single light theme by choice, colours taken from the logo */
:root{
  --navy:#0E2D5E; --navy-deep:#0A1F42; --blue:#1F4FB4; --teal:#12A08A;
  --ink:#1B2433; --muted:#596476; --line:#E2E7EF; --soft:#F2F5F9; --white:#FFFFFF;
  --head:"Montserrat","Segoe UI",Arial,sans-serif;
  --body:"Source Sans 3","Segoe UI",Arial,sans-serif;
  --wrap:1180px;
  color-scheme:light;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{margin:0;background:var(--white);color:var(--ink);font:400 18px/1.65 var(--body);-webkit-font-smoothing:antialiased}
body::before{content:"";position:fixed;inset:0 0 auto;height:env(safe-area-inset-top,0px);z-index:60;background:var(--navy-deep)}
img{max-width:100%;display:block}
a{color:var(--blue)}
h1,h2,h3,h4{font-family:var(--head);color:var(--navy);margin:0;line-height:1.2;text-wrap:balance}
h1{font-size:clamp(2.1rem,4.6vw,3.4rem);font-weight:700}
h2{font-size:clamp(1.7rem,3.2vw,2.4rem);font-weight:700}
h3{font-size:1.2rem;font-weight:700}
p{margin:0}
:focus-visible{outline:3px solid var(--teal);outline-offset:2px}
.wrap{max-width:var(--wrap);margin:0 auto;padding-left:max(20px,env(safe-area-inset-left,0px));padding-right:max(20px,env(safe-area-inset-right,0px))}
.label{font:700 .8rem/1.2 var(--head);text-transform:uppercase;letter-spacing:.12em;color:var(--teal)}
.muted{color:var(--muted)}
.stack{display:grid;gap:18px;align-content:start;min-width:0}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:600 .95rem/1 var(--head);padding:16px 26px;border-radius:4px;text-decoration:none;border:2px solid var(--blue);background:var(--blue);color:var(--white);cursor:pointer;transition:background .15s,border-color .15s}
.btn:hover{background:var(--navy);border-color:var(--navy)}
.btn.outline{background:transparent;color:var(--blue)}
.btn.outline:hover{background:var(--blue);color:var(--white)}
.btn.light{background:var(--white);border-color:var(--white);color:var(--navy)}
.btn.light:hover{background:var(--soft)}
.btn.ghost-light{background:transparent;border-color:rgba(255,255,255,.6);color:var(--white)}
.btn.ghost-light:hover{background:rgba(255,255,255,.12)}
.btn-row{display:flex;flex-wrap:wrap;gap:12px}

/* Top bar + header */
.topbar{background:var(--navy-deep);color:#C9D4E8;font-size:.85rem}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;padding-block:9px;flex-wrap:wrap}
.topbar strong{color:var(--white);font-weight:600}
.topbar .eq{display:inline-flex;align-items:center;gap:8px}
.topbar .eq::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--teal)}
@media (max-width:640px){.topbar .hide-sm{display:none}}
.site-header{position:sticky;top:env(safe-area-inset-top,0px);z-index:50;background:var(--white);box-shadow:0 1px 0 var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;padding-block:14px}
.logo img{height:46px;width:auto}
.main-nav ul{display:flex;align-items:center;gap:30px;list-style:none;margin:0;padding:0}
.main-nav a{font:600 .92rem/1 var(--head);color:var(--ink);text-decoration:none;padding:8px 0;border-bottom:2px solid transparent}
.main-nav a:hover{color:var(--blue)}
.main-nav a[aria-current="page"]{color:var(--blue);border-color:var(--teal)}
.header-cta{padding:13px 20px;font-size:.88rem}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:4px;padding:10px 12px;cursor:pointer;font:600 .85rem/1 var(--head);color:var(--navy)}
@media (max-width:980px){
  .menu-btn{display:inline-flex;gap:8px;align-items:center}
  .header-cta{display:none}
  .main-nav{position:absolute;left:0;right:0;top:100%;background:var(--white);border-top:1px solid var(--line);box-shadow:0 12px 24px -12px rgba(14,45,94,.25);display:none}
  .main-nav.open{display:block}
  .main-nav ul{flex-direction:column;align-items:stretch;gap:0;padding:8px max(20px,env(safe-area-inset-right,0px)) 18px max(20px,env(safe-area-inset-left,0px))}
  .main-nav li a{display:block;padding:14px 0;border-bottom:1px solid var(--line)}
  .main-nav li a[aria-current="page"]{border-color:var(--line)}
  .main-nav .mobile-cta{margin-top:14px}
  .main-nav .mobile-cta a{display:flex;border:2px solid var(--blue);color:var(--white);padding:15px}
  .logo img{height:40px}
}
@media (min-width:981px){.main-nav .mobile-cta{display:none}}

/* Home hero */
.hero{position:relative;background:var(--navy) center/cover no-repeat;color:var(--white)}
.hero::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,31,66,.94) 0%,rgba(10,31,66,.82) 42%,rgba(10,31,66,.25) 75%,rgba(10,31,66,.1) 100%)}
.hero .wrap{position:relative;padding-block:110px 120px}
.hero-inner{max-width:600px;display:grid;gap:22px}
.hero h1{color:var(--white)}
.hero p{font-size:1.15rem;color:#DDE5F2}
.hero .label{color:#5FD8C2}
.eq-line{display:flex;align-items:center;gap:12px;font-size:.95rem;color:#DDE5F2;border-top:1px solid rgba(255,255,255,.2);padding-top:20px;margin-top:6px}
.eq-line b{color:var(--white)}
.tick{flex:none;width:26px;height:26px;border-radius:50%;background:var(--teal);display:grid;place-items:center}
@media (max-width:760px){.hero::before{background:rgba(10,31,66,.82)}.hero .wrap{padding-block:72px 80px}}

/* Inner page hero */
.page-hero{position:relative;background:var(--navy) center/cover no-repeat;color:var(--white)}
.page-hero::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,31,66,.92),rgba(10,31,66,.7))}
.page-hero .wrap{position:relative;padding-block:72px 76px;display:grid;gap:14px}
.page-hero h1{color:var(--white)}
.page-hero p{max-width:60ch;color:#DDE5F2;font-size:1.1rem}
.crumbs{font-size:.85rem;color:#AFC0DA}
.crumbs a{color:#AFC0DA;text-decoration:none}
.crumbs a:hover{color:var(--white)}

/* Sections */
.section{padding-block:90px}
.section.tint{background:var(--soft)}
@media (max-width:760px){.section{padding-block:60px}}
.intro{max-width:720px;display:grid;gap:14px;margin-bottom:44px}
.intro.center{margin-inline:auto;text-align:center}
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.split.flip > :first-child{order:2}
@media (max-width:900px){.split{grid-template-columns:1fr;gap:36px}.split.flip > :first-child{order:0}}
.photo{border-radius:6px;overflow:hidden;aspect-ratio:4/3;max-width:100%}
.photo img{width:100%;height:100%;object-fit:cover}
.photo.tall{aspect-ratio:4/5}

/* Trust strip */
.trust{background:var(--white);border-bottom:1px solid var(--line)}
.trust .wrap{display:grid;grid-template-columns:repeat(4,1fr)}
.trust div{padding:30px 22px;border-left:1px solid var(--line);display:grid;gap:2px}
.trust div:first-child{border-left:0;padding-left:0}
.trust strong{font:700 1.6rem/1.2 var(--head);color:var(--navy);font-variant-numeric:tabular-nums}
.trust span{color:var(--muted);font-size:.95rem}
@media (max-width:820px){.trust .wrap{grid-template-columns:1fr 1fr}.trust div{padding:22px 16px}.trust div:nth-child(3){border-left:0;padding-left:0}.trust div:nth-child(-n+2){border-bottom:1px solid var(--line)}}

/* Service cards with photos */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.card{background:var(--white);border:1px solid var(--line);border-radius:6px;overflow:hidden;display:flex;flex-direction:column}
.card .photo{border-radius:0;aspect-ratio:16/10}
.card-body{padding:26px 26px 28px;display:grid;gap:12px;flex:1;align-content:start}
.card-body p{color:var(--muted);font-size:1rem}
.card a.more{font:600 .9rem/1 var(--head);text-decoration:none;margin-top:6px}
.card a.more:hover{text-decoration:underline}
@media (max-width:960px){.cards{grid-template-columns:1fr 1fr}}
@media (max-width:620px){.cards{grid-template-columns:1fr}}

/* Simple list of other services */
.mini{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-top:1px solid var(--line);margin-top:40px}
.mini div{padding:26px 26px 26px 0;display:grid;gap:8px}
.mini div + div{padding-left:26px;border-left:1px solid var(--line)}
.mini p{color:var(--muted);font-size:1rem}
@media (max-width:820px){.mini{grid-template-columns:1fr}.mini div + div{padding-left:0;border-left:0;border-top:1px solid var(--line)}}

/* Checklist */
.checks{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.checks li{position:relative;padding-left:32px}
.checks li::before{content:"";position:absolute;left:0;top:5px;width:20px;height:20px;border-radius:50%;background:var(--teal) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'%3E%3Cpath d='M2.5 6.2l2.3 2.3L9.5 3.6' stroke='white' stroke-width='1.8' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/12px no-repeat}
.checks.cols{grid-template-columns:1fr 1fr;column-gap:28px}
@media (max-width:560px){.checks.cols{grid-template-columns:1fr}}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:36px;counter-reset:s}
.steps > div{display:grid;gap:10px;align-content:start}
.steps > div::before{counter-increment:s;content:counter(s);width:44px;height:44px;border-radius:50%;border:2px solid var(--teal);color:var(--teal);font:700 1.1rem/40px var(--head);text-align:center;margin-bottom:6px}
.steps p{color:var(--muted)}
@media (max-width:820px){.steps{grid-template-columns:1fr;gap:28px}}

/* CTA band */
.cta-band{background:var(--navy);color:var(--white)}
.cta-band .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:24px;padding-block:56px}
.cta-band h2{color:var(--white);font-size:clamp(1.5rem,2.6vw,2rem)}
.cta-band p{color:#C9D4E8;margin-top:8px}

/* Service detail blocks */
.svc-block{padding-block:70px;border-bottom:1px solid var(--line)}
.svc-block:last-of-type{border-bottom:0}
.svc-block h2{font-size:clamp(1.5rem,2.6vw,2rem)}
.svc-nav{display:flex;flex-wrap:wrap;gap:10px}
.svc-nav a{font:600 .85rem/1 var(--head);text-decoration:none;color:var(--navy);background:var(--white);border:1px solid var(--line);padding:11px 16px;border-radius:4px}
.svc-nav a:hover{border-color:var(--blue);color:var(--blue)}
.side-by{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.side-by > div{background:var(--soft);border-radius:6px;padding:32px;display:grid;gap:14px;align-content:start}
@media (max-width:820px){.side-by{grid-template-columns:1fr}}

/* Score factors */
.factors{background:var(--white);border:1px solid var(--line);border-radius:6px;padding:28px;display:grid;gap:20px}
.factors h3{font-size:1.05rem}
.f-row{display:grid;gap:7px}
.f-head{display:flex;justify-content:space-between;gap:12px;font-weight:600;font-size:.98rem}
.f-head b{color:var(--blue);font-variant-numeric:tabular-nums}
.f-bar{height:30px;background:var(--soft);border-radius:4px;overflow:hidden}
.f-bar span{display:flex;align-items:center;height:100%;background:linear-gradient(90deg,var(--blue),var(--teal));color:var(--white);font-size:.82rem;font-weight:600;padding-left:12px;white-space:nowrap;border-radius:4px}
.f-note{font-size:.85rem;color:var(--muted);border-top:1px solid var(--line);padding-top:14px}

/* Values */
.values{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.values > div{border-top:3px solid var(--teal);padding-top:22px;display:grid;gap:10px;align-content:start}
.values p{color:var(--muted)}
@media (max-width:820px){.values{grid-template-columns:1fr}}

.tags{display:flex;flex-wrap:wrap;gap:10px}
.tags span{background:var(--white);border:1px solid var(--line);padding:9px 14px;border-radius:4px;font-weight:600;font-size:.92rem;color:var(--navy)}
.section.tint .tags span{background:var(--white)}

/* FAQ */
.faq-wrap{display:grid;grid-template-columns:280px 1fr;gap:56px;align-items:start}
.faq-side{position:sticky;top:110px;display:grid;gap:16px;background:var(--soft);padding:28px;border-radius:6px}
@media (max-width:900px){.faq-wrap{grid-template-columns:1fr;gap:32px}.faq-side{position:static}}
.faq-group{display:grid;gap:0;margin-bottom:44px;min-width:0}
.faq-group > h2{font-size:1.35rem;margin-bottom:12px}
details{border-bottom:1px solid var(--line)}
details:first-of-type{border-top:1px solid var(--line)}
summary{list-style:none;cursor:pointer;padding:20px 40px 20px 0;position:relative;font:600 1.05rem/1.4 var(--head);color:var(--navy)}
summary::-webkit-details-marker{display:none}
summary::after{content:"";position:absolute;right:6px;top:26px;width:10px;height:10px;border-right:2px solid var(--blue);border-bottom:2px solid var(--blue);transform:rotate(45deg);transition:transform .2s}
details[open] summary::after{transform:rotate(-135deg);top:30px}
details > div{padding:0 0 22px;color:var(--muted);display:grid;gap:12px;max-width:70ch}

/* Forms */
.form-card{background:var(--white);border:1px solid var(--line);border-radius:6px;padding:34px;display:grid;gap:18px;min-width:0;box-shadow:0 20px 40px -30px rgba(14,45,94,.4)}
.form-card h2{font-size:1.5rem}
.row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media (max-width:560px){.row{grid-template-columns:1fr}.form-card{padding:24px}}
label{display:grid;gap:6px;font-weight:600;font-size:.92rem;color:var(--navy)}
input,select,textarea{font:400 1rem/1.4 var(--body);color:var(--ink);background:var(--white);border:1px solid #CBD3DF;border-radius:4px;padding:13px 14px;width:100%}
textarea{min-height:120px;resize:vertical}
input:focus,select:focus,textarea:focus{outline:2px solid var(--blue);outline-offset:0;border-color:var(--blue)}
.small{font-size:.85rem;color:var(--muted)}
.notice{background:#E7F6F2;border-left:4px solid var(--teal);padding:14px 16px;border-radius:4px;color:var(--ink);font-size:.95rem}
.info-list{display:grid;gap:22px}
.info-list > div{display:grid;gap:4px;padding-bottom:22px;border-bottom:1px solid var(--line)}
.info-list h3{font-size:1rem}
.info-list p{color:var(--muted)}

/* Footer */
.site-footer{background:var(--navy-deep);color:#AFC0DA;font-size:.95rem}
.site-footer .wrap{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;padding-block:64px 40px}
.site-footer h4{color:var(--white);font-size:.85rem;text-transform:uppercase;letter-spacing:.1em;margin-bottom:14px}
.site-footer ul{list-style:none;margin:0;padding:0;display:grid;gap:9px}
.site-footer a{color:#AFC0DA;text-decoration:none}
.site-footer a:hover{color:var(--white)}
.site-footer .f-logo img{height:44px;width:auto;margin-bottom:16px}
.site-footer .legal{grid-column:1/-1;border-top:1px solid rgba(255,255,255,.12);padding-top:22px;display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;font-size:.82rem;color:#8797B3}
@media (max-width:900px){.site-footer .wrap{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.site-footer .wrap{grid-template-columns:1fr}}

.contact-links{display:flex;gap:22px;flex-wrap:wrap}
.contact-links a{color:#DDE5F2;text-decoration:none;display:inline-flex;align-items:center;gap:7px}
.contact-links a:hover{color:var(--white)}
.direct{display:grid;gap:12px}
.direct a{display:flex;align-items:center;gap:14px;padding:18px 20px;background:var(--soft);border-radius:6px;text-decoration:none;color:var(--navy);font:700 1.05rem/1.3 var(--head);min-width:0;overflow-wrap:anywhere}
.direct a svg{flex:none;width:22px;height:22px;color:var(--teal)}
.direct a:hover{background:#E6ECF5}
.direct small{display:block;font:600 .75rem/1.4 var(--body);text-transform:uppercase;letter-spacing:.1em;color:var(--muted)}

.social{display:flex;gap:10px;margin-top:18px}
.social a{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;font-size:1.05rem;text-decoration:none;background:rgba(255,255,255,.1);color:var(--white);transition:background .15s}
.social a:hover{background:var(--teal);color:var(--white)}
.follow{display:grid;gap:4px}
.follow h3{font-size:1rem}
.follow .social a,.section .social a{background:var(--soft);color:var(--navy)}
.follow .social a:hover,.section .social a:hover{background:var(--teal);color:var(--white)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.notice.error{background:#FCECEA;border-left-color:#C8483B}