*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --font:'Inter',system-ui,-apple-system,sans-serif;
  --ink:#1a1a1a;--ink2:#4a4a4a;--ink3:#888;
  --white:#ffffff;--off:#f7f5f0;--cream:#f0ede6;
  --border:#e5e2db;--border2:#d8d4cc;
  --dark:#111111;--dark2:#1c1c1c;
  --max:1080px;--r:8px;
}
html{scroll-behavior:smooth;font-family:var(--font)}
body{background:var(--white);color:var(--ink);-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
img{display:block;max-width:100%}
.container{max-width:var(--max);margin:0 auto;padding:0 32px}
/* NAV */
.nav{position:fixed;top:0;left:0;right:0;z-index:200;height:60px;display:flex;align-items:center;background:var(--white);border-bottom:1px solid var(--border)}
.nav .container{display:flex;align-items:center;width:100%}
.nav-logo{display:flex;flex-direction:row;align-items:center;gap:0;margin-right:auto}
.nav-tagline{font-size:10px;font-weight:500;color:var(--ink3);letter-spacing:.04em;line-height:1;border-left:1px solid var(--border2);padding-left:14px;margin-left:14px;white-space:nowrap}
.nav-links{display:flex;gap:0;list-style:none}
.nav-links a{display:block;padding:0 18px;font-size:14px;font-weight:500;color:var(--ink2);transition:color .15s;line-height:60px}
.nav-links a:hover{color:var(--ink)}
.nav-ham{display:none;background:none;border:none;color:var(--ink);cursor:pointer;padding:8px;margin-left:12px}
/* MOBILE NAV */
.mnav{display:none;position:fixed;top:60px;left:0;right:0;z-index:190;background:var(--white);border-bottom:1px solid var(--border);padding:24px 32px}
.mnav.open{display:block}
.mnav ul{list-style:none;display:flex;flex-direction:column;gap:0}
.mnav a{display:block;padding:14px 0;font-size:15px;font-weight:500;color:var(--ink2);border-bottom:1px solid var(--border)}
.mnav a:last-child{border-bottom:none}
/* HERO */
.hero{position:relative;padding-top:60px;height:100vh;min-height:480px;max-height:640px;overflow:hidden}
.hero-bg{position:absolute;inset:0;background:url('../images/back_pay.jpg') center/cover no-repeat}
.hero-overlay{position:absolute;inset:0;background:rgba(0,0,0,.38)}
.hero-content{position:relative;height:100%;display:flex;align-items:center}
.hero-content .container{width:100%}
.hero h1{font-size:clamp(30px,4.2vw,54px);font-weight:800;letter-spacing:.02em;line-height:1.2;color:#fff;margin-bottom:16px;max-width:560px}
.hero-sub{font-size:clamp(14px,1.5vw,16px);color:rgba(255,255,255,.75);line-height:1.8;max-width:420px;margin-bottom:32px}
.hero-btn{display:inline-flex;align-items:center;padding:13px 26px;border-radius:7px;font-size:15px;font-weight:600;background:#fff;color:var(--ink);cursor:pointer;text-decoration:none;transition:all .18s}
.hero-btn:hover{background:var(--off);transform:translateY(-1px)}
/* SECTIONS */
.section{padding:88px 0}
.section-alt{padding:88px 0;background:var(--off)}
/* TWO COLUMN SPLIT */
.split-grid{display:grid;grid-template-columns:1fr 1fr;gap:3px;background:var(--border);border:1px solid var(--border);border-radius:var(--r);overflow:hidden}
.split-col{background:var(--white);padding:48px 40px}
.split-col-label{font-size:20px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--ink3);margin-bottom:24px}
.split-col h3{font-size:clamp(18px,2vw,24px);font-weight:800;letter-spacing:-.5px;color:var(--ink);margin-bottom:16px;line-height:1.25}
.split-col p{font-size:14px;color:var(--ink2);line-height:1.85;margin-bottom:20px}
.point-list{display:flex;flex-direction:column;gap:12px;list-style:none;margin-bottom:32px}
.point-list li{font-size:14px;color:var(--ink2);line-height:1.6;padding-left:18px;position:relative}
.point-list li::before{content:'—';position:absolute;left:0;color:var(--ink3);font-size:12px}
.split-cta{display:inline-flex;align-items:center;gap:8px;font-size:14px;font-weight:600;color:var(--ink);border-bottom:1.5px solid var(--ink);padding-bottom:2px;transition:opacity .15s}
.split-cta:hover{opacity:.55}
/* CASH DISCOUNT STRIP */
.cd-strip{background:var(--dark);padding:64px 0}
.cd-strip-inner{display:grid;grid-template-columns:1fr auto;gap:48px;align-items:center}
.cd-strip-text h2{font-size:clamp(18px,2.2vw,26px);font-weight:800;letter-spacing:-.5px;color:#fff;margin-bottom:10px;line-height:1.3}
.cd-strip-text p{font-size:14px;color:rgba(255,255,255,.55);line-height:1.75}
.btn-dark-ol{display:inline-flex;align-items:center;gap:8px;padding:13px 24px;border-radius:7px;font-size:14px;font-weight:600;color:#fff;border:1.5px solid rgba(255,255,255,.25);white-space:nowrap;transition:all .18s;flex-shrink:0}
.btn-dark-ol:hover{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.5)}
/* FINAL CTA */
.cta-sec{padding:88px 0;background:var(--off)}
.cta-sec-inner{max-width:580px;margin:0 auto;text-align:center}
.cta-sec h2{font-size:clamp(22px,3vw,34px);font-weight:800;letter-spacing:-1px;color:var(--ink);margin-bottom:16px}
.cta-sec p{font-size:15px;color:var(--ink2);line-height:1.8;margin-bottom:36px}
.btn-dark{display:inline-flex;align-items:center;gap:8px;padding:14px 28px;border-radius:7px;font-size:15px;font-weight:600;background:var(--ink);color:#fff;transition:background .18s}
.btn-dark:hover{background:#333}
/* CONTACT FORM */
.contact{padding:88px 0;background:var(--white)}
.contact-head{text-align:center;margin-bottom:48px}
.contact-head h2{font-size:clamp(22px,2.8vw,32px);font-weight:800;letter-spacing:-1px;color:var(--ink);margin-bottom:10px}
.contact-head p{font-size:14px;color:var(--ink3);line-height:1.8}
.contact-form{max-width:720px;margin:0 auto}
.form-wrap{display:flex;flex-direction:column;gap:16px}
.form-wrap .wpcf7-form{display:flex;flex-direction:column;gap:16px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px}
.fg{display:flex;flex-direction:column;gap:6px}
.fg label{font-size:12px;font-weight:600;color:var(--ink2);letter-spacing:.02em}
.fg label .req{color:#cc0000;margin-left:2px}
.fg label .opt{color:var(--ink3);font-weight:400;font-size:11px;margin-left:4px}
.fc{background:var(--white);border:1px solid var(--border2);border-radius:6px;padding:11px 14px;font-size:14px;font-family:var(--font);color:var(--ink);outline:none;transition:border .15s;width:100%}
.fc::placeholder{color:#bbb}
.fc:focus{border-color:var(--ink)}
.fc.err{border-color:#cc3333}
textarea.fc{resize:vertical;min-height:100px}
.check-group{display:flex;flex-direction:column;gap:8px}
.radio-set{display:flex;gap:20px;flex-wrap:wrap}
.wpcf7-form-control-wrap{display:block}
.wpcf7-list-item{margin:0;display:flex;align-items:center;gap:8px}
.wpcf7-list-item-label{font-size:13px;color:var(--ink2);cursor:pointer}
.wpcf7-list-item input{accent-color:var(--ink);cursor:pointer}
.consent-row .wpcf7-list-item-label{font-size:12px}
.f-submit{width:100%;background:var(--ink);color:#fff;border:none;border-radius:6px;padding:15px;font-size:15px;font-weight:600;font-family:var(--font);cursor:pointer;transition:background .18s;margin-top:8px}
.f-submit:hover{background:#333}
.f-success{display:none;background:#f0faf4;border:1px solid #a7f0c4;border-radius:8px;padding:24px;text-align:center;color:#1a7a40;font-size:15px;font-weight:600;margin-top:16px}
input.fc.wpcf7-not-valid,textarea.fc.wpcf7-not-valid{border-color:#cc3333}
.wpcf7-not-valid-tip{display:block;margin-top:4px;font-size:12px;color:#cc3333}
.wpcf7-response-output{margin:0;border-radius:8px;padding:14px 16px;font-size:14px;border:1px solid #f0b3b3;background:#fdf2f2;color:#8a1f1f}
.wpcf7-form.sent .wpcf7-response-output{border-color:#a7f0c4;background:#f0faf4;color:#1a7a40}
.wpcf7-spinner{display:none}
/* FOOTER */
.footer{background:var(--dark);padding:0}
.footer-main{padding:36px 0;border-bottom:1px solid rgba(255,255,255,.08)}
.footer-inner{display:flex;align-items:center;justify-content:space-between}
.footer-links{display:flex;gap:0}
.footer-links a{font-size:13px;color:rgba(255,255,255,.5);padding:0 16px;border-right:1px solid rgba(255,255,255,.1);transition:color .15s}
.footer-links a:first-child{padding-left:0}
.footer-links a:last-child{border-right:none;padding-right:0}
.footer-links a:hover{color:#fff}
.footer-copy{padding:20px 0;text-align:center;font-size:12px;color:rgba(255,255,255,.3)}
/* RESPONSIVE */
@media(max-width:780px){
  .split-grid{grid-template-columns:1fr}
  .cd-strip-inner{grid-template-columns:1fr;gap:24px}
  .form-grid{grid-template-columns:1fr}
  .footer-inner{flex-direction:column;gap:24px;text-align:center}
  .footer-links{flex-wrap:wrap;justify-content:center}
}
@media(max-width:840px){
  .nav-links{display:none}
  .nav-ham{display:block}
}
@media(max-width:640px){
  .nav-logo{flex-direction:column;align-items:flex-start;gap:2px}
  .nav-tagline{border-left:none;padding-left:0;margin-left:0;font-size:9px}
  .hero{max-height:520px}
  .hero-bg{background-position:72% center}
  .hero h1,.hero-sub{text-align:center}
  .container{padding:0 20px}
  .what-card{grid-template-columns:1fr}
  .what-logo-col{border-right:none;border-bottom:1.5px solid var(--border);flex-direction:row;padding:20px}
  .how-grid{grid-template-columns:1fr;gap:20px}
  .cases-layout{grid-template-columns:1fr;gap:16px}
  .cta-inner{grid-template-columns:1fr;gap:32px}
}