/* ============================================================
   Grosvenor Credit Management Limited
   Design system — navy + gold, refined & institutional
   ============================================================ */

/* 1. Fonts */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600&family=Montserrat:wght@500;600;700;800&display=swap');

/* 2. Design tokens */
:root {
  /* Brand */
  --navy: #062747;
  --navy-700: #0B3A63;
  --navy-800: #08233E;
  --navy-900: #041B31;
  --navy-950: #020F1C;
  --gold: #B08D57;
  --gold-deep: #9A7438;
  --gold-light: #C9A96A;

  /* Neutrals */
  --white: #FFFFFF;
  --surface: #F5F7FA;
  --surface-2: #EDF1F5;
  --border: #DCE3EA;
  --text: #1A2A3A;
  --text-muted: #54677A;
  --text-light: #C7D3DE;

  /* Typography */
  --font-head: 'Montserrat', system-ui, sans-serif;
  --font-body: 'Inter', system-ui, -apple-system, sans-serif;

  /* Spacing scale */
  --space-xs: 4px;
  --space-sm: 8px;
  --space-md: 16px;
  --space-lg: 32px;
  --space-xl: 56px;
  --space-2xl: 88px;

  /* Layout */
  --container: 1160px;
  --nav-height: 80px;

  /* Radius & shadow */
  --radius-sm: 4px;
  --radius-md: 8px;
  --radius-lg: 14px;
  --shadow-sm: 0 1px 3px rgba(6,39,71,0.08);
  --shadow-md: 0 8px 30px rgba(6,39,71,0.10);
  --shadow-lg: 0 20px 50px rgba(6,39,71,0.16);
}

/* 3. Reset & base */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; display: block; }
a { color: var(--navy); text-decoration: none; }
a:hover { color: var(--gold-deep); }
ul, ol { list-style: none; }

h1, h2, h3, h4 {
  font-family: var(--font-head);
  color: var(--navy);
  line-height: 1.15;
  font-weight: 700;
  letter-spacing: -0.01em;
}

/* 4. Utilities */
.container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.section { padding: var(--space-2xl) 0; }
.section--tint { background: var(--surface); }
.section--navy { background: var(--navy); color: var(--white); }
.section-label {
  font-family: var(--font-head);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold-deep);
  margin-bottom: var(--space-md);
}
.section-title { font-size: clamp(28px, 4vw, 44px); margin-bottom: var(--space-md); }
.section-lede { color: var(--text-muted); max-width: 640px; font-size: 18px; }
.section--navy .section-title { color: var(--white); }
.section--navy .section-lede { color: var(--text-light); }
.section--navy .section-label { color: var(--gold-light); }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  font-family: var(--font-head); font-weight: 600; font-size: 15px;
  letter-spacing: 0.02em; padding: 15px 30px; border-radius: var(--radius-sm);
  cursor: pointer; border: 1px solid transparent; transition: all .18s ease;
  white-space: nowrap;
}
.btn-gold { background: var(--gold); color: var(--navy-950); }
.btn-gold:hover { background: var(--gold-light); color: var(--navy-950); transform: translateY(-1px); }
.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: var(--navy-700); color: var(--white); }
.btn-ghost { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.4); }
.btn-ghost:hover { border-color: var(--gold); color: var(--gold-light); }
.btn-outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: var(--white); }
.btn-sm { padding: 11px 22px; font-size: 14px; }

/* 5. Header / nav */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  height: var(--nav-height);
}
.site-header .container {
  display: flex; align-items: center; justify-content: space-between;
  height: 100%; gap: var(--space-md);
}
.logo { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
.logo-mark { width: 44px; height: 44px; }
.logo-text { display: flex; flex-direction: column; line-height: 1; }
.logo-wordmark { font-family: var(--font-head); font-weight: 800; font-size: 20px; letter-spacing: 0.14em; color: var(--navy); }
.logo-desc { font-family: var(--font-head); font-weight: 600; font-size: 9.5px; letter-spacing: 0.30em; color: var(--gold-deep); margin-top: 4px; }

.nav { display: flex; align-items: center; gap: 30px; }
.nav-links { display: flex; align-items: center; gap: 30px; }
.nav-link {
  font-family: var(--font-head); font-size: 14.5px; font-weight: 600;
  letter-spacing: 0.02em; color: var(--navy); position: relative; padding: 6px 0;
}
.nav-link::after {
  content: ""; position: absolute; left: 0; bottom: 0; width: 0; height: 2px;
  background: var(--gold); transition: width .18s ease;
}
.nav-link:hover { color: var(--navy); }
.nav-link:hover::after { width: 100%; }
.nav-link.active { color: var(--gold-deep); }
.nav-link.active::after { width: 100%; }

.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--navy); margin: 5px 0; transition: all .2s ease; }

/* 6. Hero */
.hero {
  background: radial-gradient(1200px 600px at 78% -10%, var(--navy-700) 0%, var(--navy) 45%, var(--navy-900) 100%);
  color: var(--white);
  padding: var(--space-2xl) 0 var(--space-xl);
  position: relative; overflow: hidden;
}
.hero::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background:
    linear-gradient(135deg, rgba(176,141,87,0.10) 0%, transparent 55%),
    radial-gradient(700px 340px at 85% 20%, rgba(176,141,87,0.14) 0%, transparent 60%);
}
.hero .container { position: relative; z-index: 1; }
.hero-mark { position: absolute; right: -60px; top: 50%; transform: translateY(-50%); width: 520px; height: 520px; opacity: 0.13; pointer-events: none; z-index: 0; }
.hero .eyebrow {
  display: inline-block; font-family: var(--font-head); font-weight: 600;
  font-size: 13px; letter-spacing: 0.26em; text-transform: uppercase;
  color: var(--gold-light); padding-bottom: 10px; border-bottom: 1px solid rgba(176,141,87,0.4);
  margin-bottom: var(--space-lg);
}
.hero-title { font-size: clamp(34px, 5.4vw, 60px); color: var(--white); max-width: 15ch; font-weight: 800; letter-spacing: -0.015em; }
.hero-title em { font-style: normal; color: var(--gold-light); }
.hero-sub { color: var(--text-light); font-size: 19px; max-width: 560px; margin: var(--space-md) 0 var(--space-lg); }
.hero-cta { display: flex; gap: var(--space-md); flex-wrap: wrap; }
.hero-badges { display: flex; flex-wrap: wrap; gap: 10px 28px; margin-top: var(--space-xl); }
.hero-badges .badge {
  display: flex; align-items: center; gap: 9px;
  font-family: var(--font-head); font-size: 14px; font-weight: 600; letter-spacing: 0.02em;
  color: var(--text-light);
}
.hero-badges .badge svg { width: 18px; height: 18px; color: var(--gold-light); }

/* 7. Trust bar */
.trust-bar { border-bottom: 1px solid var(--border); background: var(--white); }
.trust-bar .container { display: flex; flex-wrap: wrap; gap: var(--space-md) var(--space-xl); padding: var(--space-lg) 24px; justify-content: center; }
.trust-item { display: flex; align-items: center; gap: 12px; }
.trust-item svg { width: 26px; height: 26px; color: var(--gold-deep); flex-shrink: 0; }
.trust-item .t-title { font-family: var(--font-head); font-weight: 700; font-size: 15px; color: var(--navy); }
.trust-item .t-sub { font-size: 13.5px; color: var(--text-muted); }

/* 8. Services */
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-lg); margin-top: var(--space-xl); }
.service-card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 34px 30px; transition: all .2s ease; display: flex; flex-direction: column;
}
.service-card:hover { box-shadow: var(--shadow-md); border-color: var(--gold); transform: translateY(-3px); }
.service-icon { width: 52px; height: 52px; border-radius: var(--radius-md); background: var(--surface); display: flex; align-items: center; justify-content: center; margin-bottom: 20px; }
.service-icon svg { width: 26px; height: 26px; color: var(--navy); }
.service-card:hover .service-icon { background: var(--navy); }
.service-card:hover .service-icon svg { color: var(--gold-light); }
.service-title { font-size: 20px; margin-bottom: 12px; }
.service-text { color: var(--text-muted); font-size: 15.5px; margin-bottom: 20px; flex: 1; }
.service-link { font-family: var(--font-head); font-weight: 600; font-size: 14px; color: var(--gold-deep); display: inline-flex; align-items: center; gap: 6px; }
.service-link:hover { color: var(--navy); }

/* 9. Point of difference */
.diff-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-lg); margin-top: var(--space-xl); }
.diff-item { padding: 0 8px; }
.diff-num { font-family: var(--font-head); font-weight: 800; font-size: 15px; color: var(--gold-deep); letter-spacing: 0.1em; margin-bottom: 14px; }
.diff-title { font-size: 20px; margin-bottom: 12px; }
.diff-text { color: var(--text-muted); font-size: 15.5px; }

/* 10. How it works */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-lg); margin-top: var(--space-xl); counter-reset: step; }
.step { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 34px 30px; position: relative; }
.step-num {
  font-family: var(--font-head); font-weight: 800; font-size: 40px; color: var(--gold); line-height: 1;
  margin-bottom: 18px;
}
.step-title { font-size: 19px; margin-bottom: 12px; }
.step-text { color: var(--text-muted); font-size: 15.5px; }

/* 11. CTA band */
.cta-band { background: var(--navy-900); color: var(--white); }
.cta-band .container { display: flex; align-items: center; justify-content: space-between; gap: var(--space-lg); flex-wrap: wrap; }
.cta-band h2 { color: var(--white); font-size: clamp(24px, 3vw, 34px); margin-bottom: 8px; }
.cta-band p { color: var(--text-light); font-size: 16px; }

/* 12. Footer */
.site-footer { background: var(--navy-950); color: var(--text-light); padding: var(--space-2xl) 0 var(--space-lg); }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.2fr; gap: var(--space-xl); margin-bottom: var(--space-xl); }
.footer-brand .logo-wordmark { color: var(--white); }
.footer-brand .logo-desc { color: var(--gold); }
.footer-brand p { color: var(--text-light); font-size: 14.5px; margin-top: 18px; max-width: 300px; }
.footer-title { font-family: var(--font-head); font-weight: 700; font-size: 13px; letter-spacing: 0.14em; text-transform: uppercase; color: var(--white); margin-bottom: 18px; }
.footer-col ul li { margin-bottom: 11px; }
.footer-link { color: var(--text-light); font-size: 15px; }
.footer-link:hover { color: var(--gold-light); }
.footer-contact li { display: flex; gap: 10px; margin-bottom: 13px; font-size: 15px; color: var(--text-light); }
.footer-contact svg { width: 18px; height: 18px; color: var(--gold); flex-shrink: 0; margin-top: 3px; }
.footer-legal { border-top: 1px solid rgba(255,255,255,0.12); padding-top: var(--space-lg); display: flex; justify-content: space-between; gap: var(--space-md); flex-wrap: wrap; font-size: 13.5px; color: rgba(199,211,222,0.7); }

/* 13. Sub-page hero */
.page-hero { background: var(--navy); color: var(--white); padding: calc(var(--nav-height) + var(--space-xl)) 0 var(--space-xl); }
.page-hero .breadcrumb { font-family: var(--font-head); font-size: 13px; letter-spacing: 0.18em; text-transform: uppercase; color: var(--gold-light); margin-bottom: var(--space-md); }
.page-hero .breadcrumb a { color: var(--text-light); }
.page-hero .breadcrumb a:hover { color: var(--gold-light); }
.page-title { color: var(--white); font-size: clamp(30px, 4.4vw, 48px); max-width: 22ch; }
.page-lede { color: var(--text-light); font-size: 18px; max-width: 640px; margin-top: var(--space-md); }

/* 14. Content blocks (sub-pages) */
.prose { max-width: 760px; }
.prose h2 { font-size: 28px; margin: var(--space-xl) 0 var(--space-md); }
.prose h3 { font-size: 21px; margin: var(--space-lg) 0 var(--space-sm); }
.prose p { color: var(--text-muted); margin-bottom: var(--space-md); font-size: 16.5px; }
.prose ul { margin: var(--space-md) 0; }
.prose ul li { position: relative; padding-left: 26px; margin-bottom: 12px; color: var(--text-muted); font-size: 16.5px; }
.prose ul li::before { content: ""; position: absolute; left: 4px; top: 10px; width: 8px; height: 8px; background: var(--gold); border-radius: 2px; }
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-xl); align-items: start; }

/* 15. Contact / Load-a-debt */
.info-card {
  background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 34px 30px; margin-top: var(--space-lg);
}
.info-card h3 { margin-bottom: var(--space-md); }
.info-card ul li { display: flex; gap: 12px; margin-bottom: 14px; font-size: 16px; color: var(--text-muted); align-items: flex-start; }
.info-card ul li svg { width: 20px; height: 20px; color: var(--gold-deep); flex-shrink: 0; margin-top: 3px; }
.contact-block { background: var(--navy); color: var(--white); border-radius: var(--radius-lg); padding: 38px 34px; }
.contact-block h3 { color: var(--white); margin-bottom: 8px; }
.contact-block .c-item { display: flex; gap: 14px; align-items: center; margin-top: 22px; }
.contact-block .c-item svg { width: 22px; height: 22px; color: var(--gold-light); flex-shrink: 0; }
.contact-block .c-item .c-label { font-size: 12px; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gold-light); font-family: var(--font-head); font-weight: 600; }
.contact-block .c-item .c-value { font-size: 19px; color: var(--white); font-weight: 600; }

/* 15b. Forms */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-md); }
.form-field { display: flex; flex-direction: column; gap: 8px; }
.form-field.full { grid-column: 1 / -1; }
.form-field label { font-family: var(--font-head); font-weight: 600; font-size: 13px; letter-spacing: 0.04em; color: var(--navy); }
.form-field input, .form-field textarea, .form-field select {
  font-family: var(--font-body); font-size: 15.5px; color: var(--text);
  padding: 13px 15px; border: 1px solid var(--border); border-radius: var(--radius-sm);
  background: var(--white); transition: border-color .15s ease, box-shadow .15s ease;
}
.form-field input:focus, .form-field textarea:focus, .form-field select:focus {
  outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(176,141,87,0.15);
}
.form-field textarea { resize: vertical; min-height: 140px; }
.form-note { font-size: 13px; color: var(--text-muted); }
.form-actions { margin-top: var(--space-lg); display: flex; align-items: center; gap: var(--space-md); flex-wrap: wrap; }

/* 16. Reveal animation */
.reveal { opacity: 0; transform: translateY(22px); transition: opacity .6s ease, transform .6s ease; }
.reveal.visible { opacity: 1; transform: none; }

/* 17. Responsive */
@media (max-width: 960px) {
  .services-grid, .diff-grid, .steps { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .two-col { grid-template-columns: 1fr; }
}
@media (max-width: 720px) {
  .nav-links {
    position: fixed; inset: var(--nav-height) 0 auto 0; background: var(--white);
    flex-direction: column; align-items: flex-start; gap: 0; padding: 12px 24px 24px;
    border-bottom: 1px solid var(--border); transform: translateY(-8px); opacity: 0;
    pointer-events: none; transition: all .2s ease; box-shadow: var(--shadow-md);
  }
  .nav-links.open { transform: none; opacity: 1; pointer-events: auto; }
  .nav-links .nav-link { padding: 14px 0; width: 100%; border-bottom: 1px solid var(--surface); }
  .nav-links .nav-cta { margin-top: 16px; width: 100%; }
  .nav-toggle { display: block; }
  .services-grid, .diff-grid, .steps, .footer-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .hero { padding-top: var(--space-xl); }
  .cta-band .container { flex-direction: column; align-items: flex-start; }
  .hero-mark { opacity: 0.07; right: -160px; width: 420px; height: 420px; }
  .footer-legal { flex-direction: column; gap: 6px; }
}