/* =========================================
   Birlo Financial Group — Shared Stylesheet
   Friendly, warm, approachable finance brand.
   birlo.co.uk
   ========================================= */

/* --- Reset & Base --- */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

:root {
  --blue:         #1a3a5c;
  --blue-dark:    #0f2440;
  --blue-mid:     #234876;
  --teal:         #2eaa7c;
  --teal-light:   #4ec99a;
  --orange:       #f97316;
  --orange-light: #fb923c;
  --white:        #ffffff;
  --off-white:    #f8fafc;
  --grey-light:   #e2e8f0;
  --grey-mid:     #94a3b8;
  --text:         #1e293b;
  --text-light:   #64748b;
  --success:      #2eaa7c;
  --font-main:    'Inter', 'Segoe UI', system-ui, sans-serif;
  --radius:       10px;
  --shadow:       0 2px 16px rgba(30, 41, 59, 0.08);
  --shadow-lg:    0 8px 40px rgba(30, 41, 59, 0.14);
  --max-width:    1100px;
  --transition:   0.2s ease;
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-main);
  color: var(--text);
  background: var(--white);
  line-height: 1.7;
  font-size: 16px;
}

img { max-width: 100%; display: block; }
a { color: var(--teal); text-decoration: none; }
a:hover { color: var(--teal-light); }

/* --- Typography --- */
h1, h2, h3, h4 {
  color: var(--blue);
  line-height: 1.3;
  font-weight: 700;
}
h1 { font-size: clamp(2rem, 5vw, 3.2rem); }
h2 { font-size: clamp(1.5rem, 3.5vw, 2.2rem); }
h3 { font-size: clamp(1.1rem, 2.5vw, 1.35rem); }
p  { margin-bottom: 1rem; color: var(--text-light); }
p:last-child { margin-bottom: 0; }

/* --- Layout --- */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 1.5rem;
}
.section {
  padding: 5rem 0;
}
.section--alt {
  background: var(--off-white);
}
.section--tight-top {
  padding-top: 2rem;
}
.section--dark {
  background: var(--blue);
  color: var(--white);
}
.section--dark h2,
.section--dark h3 {
  color: var(--white);
}
.section--dark p {
  color: rgba(255,255,255,0.78);
}

/* --- Nav --- */
.nav {
  background: var(--blue-dark);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 12px rgba(0,0,0,0.18);
}
.nav__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1rem 1.5rem;
  max-width: var(--max-width);
  margin: 0 auto;
}
.nav__logo {
  display: flex;
  align-items: center;
}
.nav__logo-img {
  height: 36px;
  width: auto;
  display: block;
}
.footer__logo-img {
  height: 48px;
  width: auto;
  display: block;
  margin-bottom: 0.75rem;
}
.nav__links {
  display: flex;
  gap: 2rem;
  list-style: none;
}
.nav__links a {
  color: rgba(255,255,255,0.8);
  font-size: 0.9rem;
  font-weight: 500;
  transition: color var(--transition);
}
.nav__links a:hover { color: var(--white); }
.nav__links a.current { color: var(--orange); font-weight: 700; }
.nav__cta {
  background: var(--orange) !important;
  color: var(--white) !important;
  font-weight: 700 !important;
  padding: 0.5rem 1.25rem;
  border-radius: var(--radius);
  transition: background var(--transition) !important;
}
.nav__cta:hover { background: var(--orange-light) !important; color: var(--white) !important; }

/* Hamburger */
.nav__hamburger {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.25rem;
}
.nav__hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  margin: 5px 0;
  border-radius: 2px;
  transition: var(--transition);
}
.nav__mobile {
  display: none;
  flex-direction: column;
  background: var(--blue-dark);
  padding: 1rem 1.5rem 1.5rem;
}
.nav__mobile a {
  color: rgba(255,255,255,0.85);
  padding: 0.65rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  font-size: 0.95rem;
}
.nav__mobile a:last-child { border-bottom: none; }
.nav__mobile.open { display: flex; }

/* --- Buttons --- */
.btn {
  display: inline-block;
  padding: 0.85rem 2rem;
  border-radius: var(--radius);
  font-weight: 700;
  font-size: 1rem;
  cursor: pointer;
  transition: all var(--transition);
  border: 2px solid transparent;
  line-height: 1;
}
.btn--primary {
  background: var(--orange);
  color: var(--white);
}
.btn--primary:hover {
  background: var(--orange-light);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(249, 115, 22, 0.35);
}
.btn--outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.5);
}
.btn--outline:hover {
  border-color: var(--white);
  color: var(--white);
  background: rgba(255,255,255,0.08);
}
.btn--teal {
  background: var(--teal);
  color: var(--white);
}
.btn--teal:hover {
  background: var(--teal-light);
  color: var(--white);
  transform: translateY(-2px);
}
.btn--lg {
  padding: 1.1rem 2.5rem;
  font-size: 1.1rem;
}

/* --- Cards --- */
.cards {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
  margin-top: 3rem;
}
.card {
  background: var(--white);
  border: 1px solid var(--grey-light);
  border-bottom: 4px solid var(--teal);
  border-radius: calc(var(--radius) * 1.5);
  padding: 2rem;
  box-shadow: var(--shadow);
  transition: transform var(--transition), box-shadow var(--transition);
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.card__icon {
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, var(--teal) 0%, var(--blue) 100%);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  font-size: 1.4rem;
}
.card h3 { margin-bottom: 0.5rem; }
.card p  { font-size: 0.95rem; }
.card__link {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  margin-top: 1.25rem;
  color: var(--teal);
  font-weight: 600;
  font-size: 0.9rem;
}
.card__link:hover { gap: 0.65rem; color: var(--teal-light); }

/* --- Steps / Process --- */
.steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 2rem;
  margin-top: 3rem;
  counter-reset: step;
}
.step {
  text-align: center;
  position: relative;
}
.step::before {
  counter-increment: step;
  content: counter(step);
  display: flex;
  align-items: center;
  justify-content: center;
  width: 54px;
  height: 54px;
  background: var(--teal);
  color: var(--white);
  border-radius: 50%;
  font-weight: 800;
  font-size: 1.2rem;
  margin: 0 auto 1.25rem;
  box-shadow: 0 4px 16px rgba(46, 170, 124, 0.3);
}
.step h3 { margin-bottom: 0.5rem; }
.step p   { font-size: 0.9rem; }

/* --- Section Headers --- */
.section-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 0;
}
.section-header .eyebrow,
.eyebrow {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 0.75rem;
}
.section-header h2 { margin-bottom: 1rem; }

/* --- Hero --- */
.hero {
  background: linear-gradient(135deg, var(--blue-dark) 0%, var(--blue-mid) 100%);
  padding: 5rem 0 4rem;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -1px;
  left: 0;
  right: 0;
  height: 60px;
  background: var(--white);
  clip-path: ellipse(55% 100% at 50% 100%);
}
.hero .container {
  position: relative;
  z-index: 1;
}
.hero__content {
  max-width: 720px;
}
.hero__eyebrow {
  display: inline-block;
  background: rgba(46, 170, 124, 0.15);
  color: var(--teal-light);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 0.4rem 1rem;
  border-radius: 100px;
  margin-bottom: 1.5rem;
  border: 1px solid rgba(46, 170, 124, 0.35);
}
.hero h1 {
  color: var(--white);
  margin-bottom: 1.25rem;
}
.hero h1 span { color: var(--teal-light); }
.hero p {
  color: rgba(255,255,255,0.78);
  font-size: 1.15rem;
  margin-bottom: 2rem;
  max-width: 560px;
}
.hero__actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}
.hero__trust {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  margin-top: 3rem;
  flex-wrap: wrap;
}
.hero__trust-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  color: rgba(255,255,255,0.65);
  font-size: 0.85rem;
}
.hero__trust-item .check {
  color: var(--teal-light);
  font-weight: 700;
}

/* Hero split layout */
.hero--split .container {
  display: flex;
  align-items: center;
  gap: 3.5rem;
  margin-bottom: 50px;
}
.hero__text { flex: 1; min-width: 0; }
.hero__image {
  flex: 0 0 460px;
  max-width: 460px;
}
.hero__image img {
  width: 100%;
  border-radius: calc(var(--radius) * 2);
  box-shadow: 0 20px 60px rgba(0,0,0,0.3);
}
@media (max-width: 900px) {
  .hero--split .container { flex-direction: column; gap: 2.5rem; }
  .hero__image { flex: none; max-width: 100%; width: 100%; order: -1; }
  .hero--split::after { display: none; }
}

/* --- Page Hero (inner pages) --- */
.page-hero {
  background: linear-gradient(135deg, var(--blue-dark) 0%, var(--blue-mid) 100%);
  padding: 4rem 0 3rem;
  text-align: center;
}
.page-hero h1 { color: var(--white); margin-bottom: 0.75rem; }
.page-hero p  { color: rgba(255,255,255,0.78); font-size: 1.1rem; max-width: 600px; margin: 0 auto; }
.breadcrumb {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.5);
  margin-bottom: 1.25rem;
}
.breadcrumb a { color: var(--teal-light); }
.breadcrumb span { color: rgba(255,255,255,0.3); }

/* --- Forms --- */
.form-group {
  margin-bottom: 1.5rem;
}
.form-group label {
  display: block;
  font-weight: 600;
  color: var(--blue);
  margin-bottom: 0.5rem;
  font-size: 0.9rem;
}
.form-group label span.required { color: var(--orange); margin-left: 2px; }
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 0.85rem 1rem;
  border: 1.5px solid var(--grey-light);
  border-radius: var(--radius);
  font-size: 1rem;
  font-family: var(--font-main);
  color: var(--text);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
  -webkit-appearance: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(46, 170, 124, 0.12);
}
.form-group textarea { min-height: 120px; resize: vertical; }
.form-group select { cursor: pointer; }
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.form-disclaimer {
  font-size: 0.8rem;
  color: var(--grey-mid);
  margin-top: 1rem;
  text-align: center;
  line-height: 1.5;
}
.form-wrapper {
  background: var(--white);
  border-radius: calc(var(--radius) * 2);
  padding: 2.5rem;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--grey-light);
}

/* --- CTA Band --- */
.cta-band {
  background: linear-gradient(135deg, var(--blue) 0%, var(--blue-dark) 100%);
  padding: 4.5rem 0;
  text-align: center;
}
.cta-band h2 { color: var(--white); margin-bottom: 0.75rem; }
.cta-band p  { color: rgba(255,255,255,0.78); margin-bottom: 2rem; font-size: 1.05rem; }

/* --- Accordion (FAQ) --- */
.accordion { margin-top: 2rem; }
.accordion__item {
  border: 1px solid var(--grey-light);
  border-radius: var(--radius);
  margin-bottom: 0.75rem;
  overflow: hidden;
}
.accordion__trigger {
  width: 100%;
  text-align: left;
  padding: 1.25rem 1.5rem;
  background: var(--white);
  border: none;
  cursor: pointer;
  font-family: var(--font-main);
  font-size: 1rem;
  font-weight: 600;
  color: var(--blue);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  transition: background var(--transition);
}
.accordion__trigger:hover { background: var(--off-white); }
.accordion__trigger .icon {
  font-size: 1.2rem;
  color: var(--teal);
  flex-shrink: 0;
  transition: transform var(--transition);
}
.accordion__item.open .accordion__trigger .icon {
  transform: rotate(45deg);
}
.accordion__body {
  display: none;
  padding: 0 1.5rem 1.25rem;
  font-size: 0.95rem;
  color: var(--text-light);
}
.accordion__item.open .accordion__body { display: block; }

/* --- Footer --- */
.footer {
  background: var(--blue-dark);
  color: rgba(255,255,255,0.6);
  padding: 3rem 0 1.5rem;
  font-size: 0.875rem;
}
.footer__inner {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 3rem;
  margin-bottom: 2rem;
}
.footer__brand {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 0.75rem;
  letter-spacing: -0.02em;
}
.footer__brand span { color: var(--teal); }
.footer p { font-size: 0.85rem; }
.footer__heading {
  color: var(--white);
  font-weight: 700;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 1rem;
}
.footer ul { list-style: none; }
.footer ul li { margin-bottom: 0.5rem; }
.footer ul a {
  color: rgba(255,255,255,0.6);
  font-size: 0.875rem;
  transition: color var(--transition);
}
.footer ul a:hover { color: var(--white); }
.footer__bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 1.5rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.5rem;
  font-size: 0.8rem;
}
.footer__disclaimer {
  margin-top: 1.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255,255,255,0.06);
  font-size: 0.78rem;
  color: rgba(255,255,255,0.35);
  line-height: 1.6;
}

/* --- Utility --- */
.text-center { text-align: center; }
.mt-1 { margin-top: 1rem; }
.mt-2 { margin-top: 2rem; }
.mt-3 { margin-top: 3rem; }
.teal { color: var(--teal); }
.badge {
  display: inline-block;
  background: rgba(46, 170, 124, 0.12);
  color: var(--teal);
  border: 1px solid rgba(46, 170, 124, 0.3);
  padding: 0.3rem 0.75rem;
  border-radius: 100px;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

/* --- Responsive --- */
@media (max-width: 768px) {
  .nav__links { display: none; }
  .nav__hamburger { display: block; }
  .hero { padding: 4rem 0 4rem; }
  .hero__trust { gap: 1rem; }
  .section { padding: 3.5rem 0; }
  .cards { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer__inner { grid-template-columns: 1fr; gap: 2rem; }
  .footer__bottom { flex-direction: column; text-align: center; }
}
@media (max-width: 480px) {
  .steps { grid-template-columns: 1fr; }
  .hero__actions { flex-direction: column; }
  .hero__actions .btn { text-align: center; }
}