/* Money Saviour website styles
   Brand: navy #1F2B5D + orange #F37223 (debt advice), white + teal #039CB5 (personal finance). Font: Poppins. */

@font-face{font-family:"Poppins";src:url("../fonts/poppins-400.woff") format("woff");font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:"Poppins";src:url("../fonts/poppins-400i.woff") format("woff");font-weight:400;font-style:italic;font-display:swap}
@font-face{font-family:"Poppins";src:url("../fonts/poppins-500.woff") format("woff");font-weight:500 600;font-style:normal;font-display:swap}
@font-face{font-family:"Poppins";src:url("../fonts/poppins-700.woff") format("woff");font-weight:700 800;font-style:normal;font-display:swap}

:root{
  --navy:#1F2B5D;--navy-2:#243170;--orange:#F37223;--orange-2:#E35A12;
  --teal:#039CB5;--teal-deep:#03798D;--teal-pale:#EAF5F8;--teal-mist:#E3F3F6;
  --slate:#5E6788;--mist:#C9CEE2;--line:#E6E8EF;--grey:#F2F3F6;--grey-2:#F7F8FA;--chip:#EDEEF2;
  --white:#FFFFFF;--page:#FEFEFE;
  --wrap:1192px;--gut:clamp(16px,5vw,48px);
  --r-sm:12px;--r:16px;--r-lg:24px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:96px}
body{margin:0;font-family:"Poppins",system-ui,-apple-system,"Segoe UI",sans-serif;font-size:17px;line-height:1.65;color:var(--navy);background:var(--page)}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-underline-offset:3px}
a:hover{color:var(--orange-2)}
:focus-visible{outline:3px solid var(--orange);outline-offset:3px;border-radius:4px}
h1,h2,h3,h4{margin:0;line-height:1.08;letter-spacing:-.025em;font-weight:700}
p{margin:0}
.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{position:absolute;left:12px;top:-60px;z-index:100;background:var(--orange);color:var(--navy);padding:10px 18px;border-radius:999px;font-weight:700}
.skip:focus{top:12px}

.wrap{width:100%;max-width:calc(var(--wrap) + 2*var(--gut));margin:0 auto;padding:0 var(--gut)}
.stack{display:flex;flex-direction:column;gap:24px}
.stack-sm{display:flex;flex-direction:column;gap:12px}
.muted{color:var(--slate)}
.o{color:var(--orange)}.t{color:var(--teal)}.n{color:var(--navy)}
.small{font-size:14px}
.lead{font-size:clamp(17px,1.6vw,20px);line-height:1.6}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:var(--white);border-bottom:1px solid var(--line)}
.site-header .wrap{height:84px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand img{height:50px;width:auto}
.nav{display:flex;align-items:center;gap:28px;font-size:15px;font-weight:500}
.nav a{text-decoration:none}
.nav a[aria-current="page"]{color:var(--orange-2)}
.nav-toggle{display:none;background:none;border:0;padding:10px;margin-right:-10px;cursor:pointer;color:var(--navy)}
.nav-toggle svg{display:block}
@media (max-width:1060px){
  .nav-toggle{display:block}
  .nav{display:none;position:absolute;left:0;right:0;top:84px;flex-direction:column;align-items:stretch;gap:0;background:var(--white);border-bottom:1px solid var(--line);padding:8px var(--gut) 20px;box-shadow:0 12px 24px rgba(31,43,93,.08)}
  .nav.open{display:flex}
  .nav a{padding:14px 0;border-bottom:1px solid var(--line);font-size:17px}
  .nav .btn{margin-top:16px;border-bottom:0;text-align:center}
  .site-header .wrap{height:72px}.brand img{height:42px}
  .nav{top:72px}
}

/* Buttons and chips */
.btn{display:inline-block;text-decoration:none;border-radius:999px;padding:14px 28px;font-weight:600;font-size:16px;line-height:1.3;background:var(--navy);color:var(--white);border:0;text-align:center}
.btn:hover{background:var(--navy-2);color:var(--white)}
.btn-orange{background:var(--orange);color:var(--navy);font-weight:700}
.btn-orange:hover{background:#FF8A40;color:var(--navy)}
.btn-white{background:var(--white);color:var(--navy)}
.btn-white:hover{background:var(--teal-mist);color:var(--navy)}
.nav .btn{padding:12px 22px;color:var(--white)}
.pill{align-self:flex-start;display:inline-flex;align-items:center;gap:10px;background:var(--chip);padding:9px 20px;border-radius:999px;font-size:13px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;line-height:1.3}
.pill::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--teal);flex-shrink:0}
.pill.dot-o::before{background:var(--orange)}
.pill.dot-n::before{background:var(--navy)}
.pill.on-dark{background:rgba(255,255,255,.1);color:var(--white)}
.pill.on-white{background:var(--white)}
.pill.on-orange{background:rgba(255,255,255,.22);color:var(--navy)}
.kicker{font-size:12px;font-weight:700;letter-spacing:.14em;text-transform:uppercase}
.provider{font-size:13px;color:var(--slate)}
.provider strong{color:var(--navy)}
.dark .provider,.dark .muted{color:var(--mist)}
.dark .provider strong{color:var(--white)}

/* Sections */
.section{padding:clamp(64px,8vw,104px) 0;position:relative;overflow:hidden}
.section.tight-top{padding-top:0}
.dark{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 55%,var(--navy) 100%);color:var(--white)}
.dark a:not(.btn){color:var(--white)}
.dark .lead,.dark p{color:var(--mist)}
.dark h1,.dark h2,.dark h3{color:var(--white)}
.orange{background:linear-gradient(170deg,var(--orange) 0%,var(--orange-2) 100%)}
.teal-pale{background:var(--teal-pale)}
.grey{background:var(--grey-2)}
.deco{position:absolute;pointer-events:none}
.deco-tr{top:-150px;right:-110px;width:420px;height:420px}
.deco-br{bottom:-260px;right:-110px;width:560px;height:560px}
.deco+.wrap,.section>.wrap{position:relative}
.h-hero{font-size:clamp(44px,7vw,84px);line-height:1.02;letter-spacing:-.03em}
.h1{font-size:clamp(40px,5.6vw,68px);line-height:1.04;letter-spacing:-.03em}
.h2{font-size:clamp(34px,4.4vw,56px);line-height:1.06;letter-spacing:-.03em}
.h3{font-size:clamp(26px,2.6vw,32px);line-height:1.15}
.h4{font-size:20px;line-height:1.3;letter-spacing:-.01em}

/* Grids */
.split{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,1fr);gap:clamp(40px,6vw,88px);align-items:start}
.split.center{align-items:center}
.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.grid-4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}
.grid-5{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:16px}
.row-end{display:flex;justify-content:space-between;align-items:flex-end;gap:40px;flex-wrap:wrap}
@media (max-width:1060px){.grid-5{grid-template-columns:repeat(3,minmax(0,1fr))}.grid-4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:860px){.split{grid-template-columns:1fr}.grid-3{grid-template-columns:1fr}}
@media (max-width:640px){.grid-2,.grid-4,.grid-5{grid-template-columns:1fr}}

/* Cards */
.card{border-radius:var(--r);padding:28px 30px;display:flex;flex-direction:column;gap:10px;text-decoration:none;color:inherit;position:relative;overflow:hidden}
a.card:hover{color:inherit;transform:translateY(-2px)}
a.card{transition:transform .15s ease}
.card .go{margin-top:auto;padding-top:6px;font-weight:700;font-size:15px}
.card-glass{background:rgba(255,255,255,.08);border-left:4px solid var(--orange);color:var(--white)}
.card-glass p{color:var(--mist)}
.card-white{background:var(--white);border-left:4px solid var(--teal)}
.card-white p{color:var(--slate)}
.card-teal{background:var(--teal-deep);color:var(--white)}
.card-teal p{color:var(--teal-mist)}
.card-plain{background:var(--white)}
.card-plain p{color:var(--slate)}
.card-grey{background:var(--grey)}
.card-line{background:var(--white);border:1px solid var(--line)}
.card-on-orange{background:rgba(255,255,255,.16);border-left:4px solid var(--navy);color:var(--navy)}
.card-on-orange p{color:var(--navy);font-weight:500}
.num{font-size:30px;font-weight:700;color:var(--teal);line-height:1}
.note{border-left:4px solid var(--orange);border-radius:var(--r-sm);padding:18px 24px;font-size:15px;line-height:1.6;background:var(--white);color:var(--slate)}
.note strong{color:var(--navy)}
.dark .note{background:rgba(255,255,255,.08);color:var(--mist)}
.dark .note strong{color:var(--white)}
.callout{background:var(--teal-pale);border-left:4px solid var(--teal);border-radius:14px;padding:26px 30px;display:flex;flex-direction:column;gap:8px}

/* Hero service cards */
.hero{position:relative;overflow:hidden;padding:clamp(64px,8vw,104px) 0 clamp(72px,8vw,112px)}
.hero .split{align-items:start}
.hero-cards{display:flex;flex-direction:column;gap:16px;margin-top:12px}
.hero-cards .card{padding:24px 28px;gap:6px}
.hero-cards .h4{font-size:22px}

/* Numbered steps */
.steps{display:flex;flex-direction:column}
.step{display:flex;align-items:center;gap:clamp(20px,3vw,40px);padding:24px 0;border-bottom:1px solid var(--line)}
.step:last-child{border-bottom:0}
.step .n{width:56px;flex-shrink:0;font-size:clamp(30px,3vw,40px);font-weight:700;color:var(--teal);line-height:1}
.step .b{border-left:1px solid var(--line);padding-left:clamp(20px,3vw,36px);display:flex;flex-direction:column;gap:4px}
.step .b strong{font-size:clamp(18px,1.8vw,22px);line-height:1.35}
.step .b span{font-size:16px;line-height:1.55;color:var(--slate)}
.dark .step{border-color:rgba(255,255,255,.12)}
.dark .step .b{border-color:rgba(255,255,255,.12)}
.dark .step .n{color:var(--orange)}
.dark .step .b span{color:var(--mist)}

/* Compare table */
.compare{border:1px solid var(--line);border-radius:18px;overflow:hidden;display:grid;grid-template-columns:220px minmax(0,1fr) minmax(0,1fr);font-size:16px;line-height:1.5}
.compare>div{padding:18px 24px;border-top:1px solid var(--line)}
.compare>.hd{border-top:0}
.compare .lbl{background:var(--grey-2);font-weight:600}
.compare .c-debt{background:var(--navy);color:var(--white);font-weight:700}
.compare .c-pf{background:var(--teal-pale);font-weight:700}
.compare .c-debt::before,.compare .c-pf::before{content:"";display:inline-block;width:8px;height:8px;border-radius:50%;margin-right:10px;vertical-align:middle;background:var(--orange)}
.compare .c-pf::before{background:var(--teal)}
@media (max-width:760px){
  .compare{grid-template-columns:1fr 1fr;font-size:15px}
  .compare>div{padding:14px 16px}
  .compare .lbl{grid-column:1/-1;padding:10px 16px;font-size:13px;letter-spacing:.06em;text-transform:uppercase}
  .compare .blank{display:none}
}

/* Chips row */
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chips span{border:1px solid #C9CEDC;padding:7px 14px;border-radius:999px;font-size:13px;font-weight:600;color:var(--slate);line-height:1.3}
.partners{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:14px}
.partners span{min-height:76px;border:1px solid var(--line);border-radius:var(--r-sm);display:flex;align-items:center;justify-content:center;text-align:center;padding:10px;font-size:15px;font-weight:600;color:var(--slate);background:var(--white)}
@media (max-width:860px){.partners{grid-template-columns:repeat(2,minmax(0,1fr))}}

/* Prices */
.prices{display:flex;flex-direction:column;gap:14px}
.price{border-radius:var(--r);padding:24px 30px;display:flex;justify-content:space-between;align-items:center;gap:20px;background:var(--grey)}
.price.line{background:var(--white);border:1px solid var(--line)}
.price .amt{font-size:clamp(28px,3vw,34px);font-weight:600;letter-spacing:-.02em;white-space:nowrap}
.price .amt small{font-size:15px;font-weight:500;color:var(--slate)}
.price .what{display:flex;flex-direction:column;gap:2px}
.price .what span{font-size:14px;color:var(--slate)}
.price .what strong{font-size:22px}
.price-block{border-radius:var(--r);padding:24px 30px;background:var(--grey);display:flex;flex-direction:column;gap:16px}
.price-block .price{padding:0;background:none}
.blocks{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.blocks div{background:var(--white);border-radius:var(--r-sm);padding:12px 16px}
.blocks span{display:block;font-size:13px;color:var(--slate)}
.blocks strong{font-size:20px}

/* Photos */
.photo-arch{border-radius:220px 0 0 24px;object-fit:cover;width:100%;aspect-ratio:580/460}
.photo-portrait{border-radius:180px 24px 24px 24px;object-fit:cover;width:100%;aspect-ratio:440/520;object-position:45% 40%}
.photo-round{border-radius:18px;object-fit:cover;width:100%}
.bleed-right{margin-right:calc(-1*var(--gut))}
@media (min-width:1300px){.bleed-right{margin-right:calc((100vw - var(--wrap))/-2)}}
@media (max-width:860px){.bleed-right{margin-right:0}.photo-arch{border-radius:120px 24px 24px 24px}}

/* Quote and award */
.quote{background:var(--white);border-radius:14px;padding:24px 28px;display:flex;gap:20px}
.quote::before{content:"";width:4px;flex-shrink:0;border-radius:2px;background:var(--teal)}
.quote blockquote{margin:0;font-size:18px;font-style:italic;line-height:1.55}
.quote cite{display:block;margin-top:8px;font-style:normal;font-size:14px;font-weight:600;color:var(--slate)}
.award{background:var(--white);border-radius:14px;padding:14px;display:flex;gap:18px;align-items:center}
.award img{width:150px;height:104px;object-fit:cover;object-position:50% 40%;border-radius:10px;flex-shrink:0}
@media (max-width:480px){.award img{width:110px;height:84px}}

/* FAQ */
.faq{display:flex;flex-direction:column}
.faq details{border-top:1px solid var(--line)}
.faq details:last-child{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;gap:20px;padding:22px 0;font-size:clamp(17px,1.6vw,19px);font-weight:600;line-height:1.4}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--orange);font-size:24px;line-height:1;font-weight:500}
.faq details[open] summary::after{content:"\2212"}
.faq .a{padding:0 0 24px;color:var(--slate);max-width:780px;display:flex;flex-direction:column;gap:12px}

/* Contact panel */
.contact{border-radius:28px;padding:clamp(28px,5vw,72px);display:flex;flex-direction:column;gap:clamp(24px,3vw,40px);position:relative;overflow:hidden}
.contact .deco{top:-130px;right:-90px;width:360px;height:360px}
.contact .email{font-size:clamp(17px,2vw,20px);font-weight:700;word-break:break-word}
@media (max-width:640px){.contact .card p{display:none}.contact .card .go{padding-top:0}}

/* Articles and legal pages */
.page-head{padding:clamp(56px,7vw,96px) 0 clamp(48px,6vw,72px)}
.prose{max-width:760px;display:flex;flex-direction:column;gap:18px;font-size:17px}
.prose h2{font-size:clamp(24px,2.4vw,30px);line-height:1.2;margin-top:24px}
.prose h3{font-size:20px;line-height:1.3;margin-top:12px;letter-spacing:-.01em}
.prose ul,.prose ol{margin:0;padding-left:1.3em;display:flex;flex-direction:column;gap:8px}
.prose table{border-collapse:collapse;width:100%;font-size:15px}
.prose th,.prose td{text-align:left;border-bottom:1px solid var(--line);padding:10px 12px 10px 0;vertical-align:top}
.meta{font-size:14px;color:var(--mist)}
.post-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
@media (max-width:760px){.post-list{grid-template-columns:1fr}}
.post-card{min-height:320px;justify-content:space-between;padding:32px}
.post-card .h3{font-size:clamp(24px,2.4vw,30px)}

/* Footer */
.site-footer{background:var(--navy);color:var(--mist);font-size:14px;line-height:1.65;padding:72px 0 48px;position:relative;overflow:hidden}
.site-footer a{color:var(--white);text-decoration:none}
.site-footer a:hover{color:var(--orange)}
.foot-top{display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap}
.foot-top img{height:56px;width:auto}
.foot-links{display:flex;flex-wrap:wrap;gap:12px 26px;font-size:15px;font-weight:500}
.foot-legal{border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding-top:32px;display:flex;flex-direction:column;gap:20px}
.foot-legal .lede{color:var(--white);font-weight:500}
.foot-bottom{margin-top:28px;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:13px}
.social{display:flex;gap:14px}
.social a{display:flex;width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,.08);align-items:center;justify-content:center}
.social a:hover{background:var(--orange);color:var(--navy)}
.social svg{width:18px;height:18px;fill:currentColor}

@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}a.card{transition:none}a.card:hover{transform:none}}
@media print{.site-header,.nav-toggle,.contact,.deco{display:none}.dark,.orange{background:none;color:#000}}

/* Additions used by the page builder */
.stack-lg{display:flex;flex-direction:column;gap:clamp(48px,6vw,72px)}
.stack-xs{display:flex;flex-direction:column;gap:2px}
.t-deep{color:var(--teal-deep)}
.white{color:var(--white)}
.n-w{color:var(--white)}
.narrow{max-width:440px}
.narrow-wrap>*{max-width:880px}
.cta-row{display:flex;flex-wrap:wrap;gap:14px 22px;align-items:center;margin-top:6px}
.cta-row>a:not(.btn){font-weight:600}
.dark .cta-row>a:not(.btn){color:var(--white)}
.row-center{display:flex;justify-content:space-between;align-items:center;gap:24px 32px;flex-wrap:wrap}
.row-center .note{max-width:760px;flex:1 1 420px}
.deco-big{top:-330px;right:-160px;width:700px;height:700px}
.deco-card{top:-80px;right:-70px;width:220px;height:220px}
.card>*:not(.deco){position:relative}
.provider.on-teal,.provider.on-teal strong,.card-teal .provider,.card-teal .provider strong{color:var(--white)}
.card-glass .provider{color:var(--mist)}.card-glass .provider strong{color:var(--white)}
.gap-lg{gap:clamp(24px,4vw,48px)}
.pad-lg{padding:clamp(28px,4vw,44px)}
.top-gap{margin-top:24px}
.back{text-decoration:none;font-weight:600;align-self:flex-start}
.faq-split{display:grid;grid-template-columns:340px minmax(0,1fr);gap:clamp(32px,6vw,72px)}
@media (max-width:860px){.faq-split{grid-template-columns:1fr}}
.sorcha{grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr)}
@media (max-width:860px){.sorcha{grid-template-columns:1fr}.sorcha .photo-portrait{max-width:420px}}
.orange .h1.white{color:var(--white)}
.orange .lead.n{color:var(--navy)}
.card-on-orange .h4{font-size:clamp(20px,1.8vw,24px);line-height:1.25}
.ticks{list-style:none;margin:0;padding:0;display:flex;flex-direction:column}
.ticks li{position:relative;padding:16px 0 16px 40px;border-bottom:1px solid var(--line);font-weight:500;line-height:1.5}
.ticks li:last-child{border-bottom:0}
.ticks li::before{content:"";position:absolute;left:0;top:18px;width:22px;height:22px;border-radius:50%;background:var(--orange) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 22 22'%3E%3Cpath d='M6.5 11.5l3 3 6-6.5' fill='none' stroke='%231F2B5D' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/22px no-repeat}
.ticks.teal li::before{background-color:var(--teal);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 22 22'%3E%3Cpath d='M6.5 11.5l3 3 6-6.5' fill='none' stroke='%23FFFFFF' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E")}
.table-wrap{overflow-x:auto;border-radius:var(--r);background:var(--white);border:1px solid var(--line)}
.pack{border-collapse:collapse;width:100%;font-size:16px;line-height:1.5;min-width:560px}
.pack th,.pack td{text-align:left;padding:16px 22px;border-top:1px solid var(--line);vertical-align:top}
.pack thead th{border-top:0;background:var(--teal-pale);font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.pack tbody th{font-weight:700;white-space:nowrap}
.pack td:nth-child(2){font-weight:600;white-space:nowrap}
.hero.teal-pale,.page-head.dark{position:relative;overflow:hidden}
.page-head{position:relative;overflow:hidden}
.dark .pill:not(.on-dark){background:rgba(255,255,255,.1);color:var(--white)}
.post-card .h3{color:inherit}
.contact .card-white .h4,.contact .card-white{color:var(--navy)}
.hero-cards .card-white{color:var(--navy)}
.hero-cards .card-white .provider{color:var(--slate)}
.h-hero,.h1,.h2,.h3,.h4{font-weight:700}
.h1{font-size:clamp(38px,5vw,60px)}
a.dark,a.dark:hover{color:var(--white)}
.dark .card-white,.dark .card-white:hover{color:var(--navy)}
.dark .card-white p,.dark .card-white .provider{color:var(--slate)}
.dark .card-white .provider strong{color:var(--navy)}
.dark .card-white .kicker{color:var(--navy)}
.dark .card-white .go{color:var(--teal-deep)}
.dark .card-teal p{color:var(--teal-mist)}
.dark a.card.card-white{color:var(--navy)}
.dark a.card.card-teal,.dark a.card.card-glass{color:var(--white)}
.contact .row-end>.stack-sm{flex:0 1 440px}
.contact .row-end>.stack{flex:1 1 320px}
figure{margin:0}
.impartial{background:var(--navy);color:var(--white);border-radius:var(--r);padding:26px 30px;display:flex;flex-direction:column;gap:8px;position:relative}
.impartial .kicker{color:var(--orange)}
.impartial p{color:var(--mist);font-size:17px;line-height:1.6;max-width:900px}
.impartial strong{color:var(--white)}