/* QOLSA: lightweight rebuild (no Elementor) */
:root{
  --orange:#ff9314;
  --orange-dark:#e67e00;
  --ink:#131313;
  --ink-2:#212121;
  --text:#212121;
  --muted:#5b5b5b;
  --white:#ffffff;
  --line:rgba(0,0,0,.12);
  --radius:14px;
  --wrap:1180px;
  --display:"Bungee",system-ui,sans-serif;
  --body:"Poppins",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--body);font-size:16px;line-height:1.6;color:var(--text);background:var(--white)}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-9999px;top:0}
.skip:focus{left:12px;top:12px;z-index:100;background:#fff;padding:8px 12px;border-radius:6px}
h1,h2,h3{font-family:var(--display);font-weight:400;line-height:1.15;margin:0 0 .5em;letter-spacing:.01em}
h1{font-size:clamp(2.2rem,6.4vw,5rem);text-transform:uppercase}
h2{font-size:clamp(1.5rem,3.2vw,2.25rem);text-transform:uppercase}
h3{font-size:1.15rem;text-transform:uppercase}
p{margin:0 0 1em}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;font-family:var(--body);font-weight:700;font-size:.95rem;letter-spacing:.04em;text-transform:uppercase;text-decoration:none;border:0;border-radius:50px;padding:14px 30px;cursor:pointer;transition:transform .15s ease,background .15s ease}
.btn:hover{transform:translateY(-1px)}
.btn-dark{background:#000;color:#fff}
.btn-dark:hover{background:#262626}
.btn-orange{background:var(--orange);color:#000}
.btn-orange:hover{background:#ffa53f}

/* Header */
.site-header{background:var(--ink);color:#fff;position:sticky;top:0;z-index:50}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;min-height:68px;gap:16px}
.logo img{width:120px}
.nav{display:flex;align-items:center;gap:22px}
.nav a{text-decoration:none;font-size:.92rem;padding:6px 0;border-bottom:2px solid transparent}
.nav a:hover,.nav a[aria-current=page]{border-color:var(--orange)}
.nav .btn{padding:9px 20px;font-size:.8rem;border:0}
.menu-toggle{display:none;background:none;border:0;color:#fff;padding:8px;cursor:pointer}
.menu-toggle svg{width:28px;height:28px}
@media (max-width:980px){
  .menu-toggle{display:block}
  .nav{display:none;position:absolute;left:0;right:0;top:68px;background:var(--ink);flex-direction:column;align-items:flex-start;gap:0;padding:8px 20px 20px;border-top:1px solid #2a2a2a}
  .nav.open{display:flex}
  .nav a{width:100%;padding:12px 0;border-bottom:1px solid #2a2a2a}
  .nav .btn{margin-top:14px;width:auto;border-bottom:0}
}

/* Hero */
.hero{background:var(--orange);color:#fff;text-align:center;padding:64px 0 76px}
.hero h1{color:#fff;margin-bottom:.35em}
.hero .lead{font-weight:600;font-size:1.15rem;color:#212121;max-width:760px;margin:0 auto 30px}
.hero-actions{display:flex;flex-wrap:wrap;gap:16px;justify-content:center;align-items:center}
.stepper{display:inline-flex;align-items:center;background:#fff;border-radius:50px;padding:6px;box-shadow:0 6px 18px rgba(0,0,0,.12)}
.stepper button{width:38px;height:38px;border-radius:50%;border:0;background:var(--orange);color:#fff;font-size:1.4rem;font-weight:700;line-height:1;cursor:pointer}
.stepper button:hover{background:var(--orange-dark)}
.stepper output{min-width:130px;text-align:center;font-weight:700;font-size:1.3rem;color:#000}
.hero .note{margin:18px 0 0;font-size:.85rem;color:#3b2200}

/* Sections */
.section{padding:72px 0}
.section-dark{background:var(--ink);color:#fff}
.section-orange{background:var(--orange)}
.section-title{text-align:center;margin-bottom:40px}
.section-dark .section-title{color:#fff}
.section-intro{text-align:center;max-width:720px;margin:-24px auto 40px;color:var(--muted)}
.section-dark .section-intro{color:#cfcfcf}

/* Feature cards */
.features{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.feature{background:var(--orange);color:#212121;border-radius:4px;padding:30px 24px;text-align:center}
.feature svg{width:30px;height:30px;margin:0 auto 14px;color:#000}
.feature h3{color:#fff;margin-bottom:.7em}
.feature p{font-size:.92rem;margin:0}
@media (max-width:900px){.features{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.features{grid-template-columns:1fr}}

/* Steps */
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:22px;counter-reset:step}
.steps li{counter-increment:step;background:#1e1e1e;border:1px solid #2c2c2c;border-radius:var(--radius);padding:26px 22px;color:#eee;font-weight:500}
.steps li::before{content:counter(step);display:grid;place-items:center;width:44px;height:44px;border-radius:50%;background:var(--orange);color:#000;font-family:var(--display);font-size:1.2rem;margin-bottom:14px}
.center{text-align:center}
.mt{margin-top:36px}
@media (max-width:900px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.steps{grid-template-columns:1fr}}

/* Advice cards */
.advice-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.advice-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;text-decoration:none;transition:transform .15s ease,box-shadow .15s ease}
.advice-card:hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(0,0,0,.1)}
.advice-card .band{background:var(--ink);color:var(--orange);padding:22px 26px;display:flex;align-items:center;gap:12px;font-family:var(--display);font-size:.85rem;letter-spacing:.06em}
.advice-card .band svg{width:22px;height:22px}
.advice-card .body{padding:24px 26px 28px;display:flex;flex-direction:column;flex:1}
.advice-card h3{font-size:1.2rem;color:#000;text-transform:none;font-family:var(--body);font-weight:700;line-height:1.3}
.advice-card p{color:var(--muted);font-size:.95rem}
.advice-card .more{margin-top:auto;font-weight:700;color:#000;display:inline-flex;align-items:center;gap:6px}
.advice-card .more::after{content:"\2192";color:var(--orange-dark)}
@media (max-width:760px){.advice-grid{grid-template-columns:1fr}}

/* Testimonials */
.reviews{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.review{text-align:center;padding:10px}
.review img{width:110px;height:110px;border-radius:50%;object-fit:cover;margin:0 auto 18px;background:#f3f3f3}
.review blockquote{margin:0 0 12px;font-style:italic;font-size:.95rem;color:#333}
.review cite{font-style:italic;font-weight:600;font-size:.95rem}
@media (max-width:860px){.reviews{grid-template-columns:1fr}}

/* FAQ accordions */
.faq-group{padding:44px 0}
.faq-group.alt{background:var(--orange)}
.faq-group h2{color:#212121;margin-bottom:18px;text-align:left}
.faq details{border-bottom:1px solid rgba(0,0,0,.14)}
.faq details:last-child{border-bottom:0}
.faq summary{list-style:none;cursor:pointer;display:flex;gap:16px;align-items:flex-start;padding:15px 4px;font-size:1rem;font-weight:500;color:#212121}
.faq summary::-webkit-details-marker{display:none}
.faq summary::before{content:"+";flex:0 0 18px;font-weight:700;font-size:1.25rem;line-height:1.2}
.faq details[open] summary::before{content:"\2212"}
.faq summary:focus-visible{outline:2px solid #000;outline-offset:2px}
.faq .answer{padding:0 4px 18px 38px;max-width:900px}
.faq .answer p:last-child,.faq .answer ul:last-child,.faq .answer ol:last-child{margin-bottom:0}
.faq .answer ul,.faq .answer ol{margin:0 0 1em;padding-left:1.2em}

/* Page header (inner pages) */
.page-hero{background:var(--orange);padding:56px 0 52px;color:#fff}
.page-hero h1{font-size:clamp(1.9rem,4.6vw,3.4rem);margin-bottom:.25em}
.page-hero .lead{color:#212121;font-weight:600;font-size:1.08rem;max-width:760px;margin:0}
.crumbs{font-size:.85rem;color:#3b2200;margin-bottom:14px}
.crumbs a{text-decoration:none;font-weight:600}
.crumbs a:hover{text-decoration:underline}

/* Prose */
.prose{max-width:780px;margin:0 auto;padding:56px 20px 72px}
.prose h2{font-size:1.5rem;margin-top:1.8em;color:#000}
.prose h3{font-family:var(--body);font-weight:700;text-transform:none;font-size:1.15rem;margin-top:1.5em}
.prose ul,.prose ol{padding-left:1.25em;margin:0 0 1.2em}
.prose li{margin-bottom:.45em}
.prose a{color:#b35f00;font-weight:600}
.callout{background:#fff4e6;border-left:5px solid var(--orange);border-radius:6px;padding:18px 22px;margin:1.6em 0}
.callout p:last-child{margin-bottom:0}
.callout.dark{background:var(--ink);color:#fff;border-left-color:var(--orange)}
.timeline{list-style:none;padding:0!important;margin:1.4em 0 1.8em!important;border-left:3px solid var(--orange)}
.timeline li{position:relative;padding:0 0 18px 24px;margin:0}
.timeline li::before{content:"";position:absolute;left:-9px;top:6px;width:15px;height:15px;border-radius:50%;background:var(--orange);border:3px solid #fff}
.timeline strong{display:block}
table.compare{width:100%;border-collapse:collapse;margin:1.2em 0 1.8em;font-size:.95rem}
table.compare th,table.compare td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:top}
table.compare th{background:var(--ink);color:#fff;font-weight:600}
.table-scroll{overflow-x:auto}
.byline{font-size:.88rem;color:var(--muted);margin-bottom:2em}

/* Founders */
.founders{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:1.6em 0 2em}
.founder{border:1px solid var(--line);border-radius:var(--radius);padding:24px;background:#fff}
.founder .initials{width:58px;height:58px;border-radius:50%;background:var(--ink);color:var(--orange);display:grid;place-items:center;font-family:var(--display);font-size:1.15rem;margin-bottom:14px}
.founder h3{font-family:var(--body);font-weight:700;text-transform:none;font-size:1.1rem;margin:0}
.founder .role{color:#b35f00;font-weight:600;font-size:.9rem;margin-bottom:12px}
.founder p{font-size:.93rem}
.principles{list-style:none;padding:0!important;display:grid;gap:14px}
.principles li{background:#fff4e6;border-radius:10px;padding:16px 20px;margin:0}
@media (max-width:900px){.founders{grid-template-columns:1fr}}
.prose-wide{max-width:1100px}

/* Forms */
.form-card{max-width:620px;margin:-36px auto 72px;background:#fff;border-radius:18px;box-shadow:0 20px 50px rgba(0,0,0,.12);padding:34px 32px;position:relative}
.field{margin-bottom:20px}
.field label,.field .label{display:block;font-weight:600;margin-bottom:6px}
.field .hint{font-size:.84rem;color:var(--muted);margin-top:5px}
.field input[type=text],.field input[type=email],.field input[type=number],.field select{width:100%;font:inherit;padding:13px 14px;border:1.5px solid #cfcfcf;border-radius:10px;background:#fff}
.field input:focus,.field select:focus{outline:none;border-color:var(--orange);box-shadow:0 0 0 3px rgba(255,147,20,.25)}
.field input[aria-invalid=true]{border-color:#c62828}
.field .error{color:#c62828;font-size:.85rem;margin-top:5px;display:none}
.field.has-error .error{display:block}
.amount-row{display:flex;align-items:center;gap:14px}
.amount-row input[type=range]{flex:1;accent-color:var(--orange)}
.amount-row output{min-width:100px;text-align:right;font-weight:700;font-size:1.15rem}
.term-options{display:grid;grid-template-columns:repeat(6,1fr);gap:8px}
.term-options label{margin:0}
.term-options input{position:absolute;opacity:0;pointer-events:none}
.term-options span{display:block;text-align:center;border:1.5px solid #cfcfcf;border-radius:10px;padding:10px 0;font-weight:600;cursor:pointer;font-size:.92rem}
.term-options input:checked+span{background:var(--ink);color:#fff;border-color:var(--ink)}
.term-options input:focus-visible+span{box-shadow:0 0 0 3px rgba(255,147,20,.45)}
@media (max-width:480px){.term-options{grid-template-columns:repeat(3,1fr)}.form-card{padding:26px 20px}}
.field .consent{display:flex;gap:10px;align-items:flex-start;font-size:.9rem;font-weight:400}
.consent input{margin-top:5px;accent-color:var(--orange);width:18px;height:18px;flex:0 0 18px}
.hp{position:absolute!important;left:-10000px!important;width:1px;height:1px;overflow:hidden}
.form-alert{background:#fdecea;color:#8a1c1c;border-radius:10px;padding:14px 16px;margin-bottom:20px;display:none}
.form-alert.show{display:block}
.form-card .btn{width:100%;padding:16px}
.small{font-size:.82rem;color:var(--muted)}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}
.contact-box{background:var(--ink);color:#fff;border-radius:var(--radius);padding:30px}
.contact-box a{color:var(--orange)}
@media (max-width:760px){.contact-grid{grid-template-columns:1fr}}

/* CTA band */
.cta-band{background:var(--ink);color:#fff;text-align:center;padding:56px 0}
.cta-band h2{color:#fff}
.cta-band p{color:#cfcfcf;max-width:620px;margin:0 auto 24px}

/* Footer */
.site-footer{background:#0b0b0b;color:#bdbdbd;padding:44px 0 30px;font-size:.88rem}
.site-footer .top{display:flex;flex-wrap:wrap;justify-content:space-between;gap:24px;align-items:flex-start;margin-bottom:24px}
.site-footer .logo img{width:130px}
.footer-nav{display:flex;flex-wrap:wrap;gap:22px}
.footer-nav a{color:#fff;text-decoration:none}
.footer-nav a:hover{color:var(--orange)}
.site-footer .disclaimer{border-top:1px solid #222;padding-top:20px;color:#9a9a9a;font-size:.8rem;max-width:900px}
.site-footer .copy{margin-top:14px;color:#777;font-size:.8rem}

/* Financial MOT promo (homepage) */
.mot-promo{background:linear-gradient(120deg,#ff9314 0%,#ff6b6b 50%,#845ef7 100%);color:#fff;padding:60px 0}
.mot-promo-inner{display:grid;grid-template-columns:1fr 220px;gap:40px;align-items:center}
.mot-promo h2{color:#fff;margin-bottom:.4em}
.mot-promo p{font-size:1.05rem;max-width:620px}
.mot-promo-tag{display:inline-block;background:#131313;color:#ff9314;font-weight:700;font-size:.75rem;letter-spacing:.08em;text-transform:uppercase;padding:6px 12px;border-radius:50px;margin-bottom:14px}
.mot-promo-note{font-size:.88rem!important;opacity:.9;margin:12px 0 0}
.mot-promo-gauge{position:relative;width:220px;height:220px}
.mot-promo-gauge svg{width:100%;height:100%}
.mot-promo-gauge span{position:absolute;inset:0;display:flex;align-items:center;justify-content:center;font-family:var(--display);font-size:4rem;line-height:1}
.mot-promo-gauge small{font-family:var(--body);font-size:1rem;font-weight:600;opacity:.85;margin-left:4px;align-self:center;margin-top:1.6rem}
@media (max-width:760px){.mot-promo-inner{grid-template-columns:1fr}.mot-promo-gauge{display:none}}