/* Santiago Agudelo — Debt Consolidation Landing
   Palette: Deep Navy #2F241A · Mid Navy #453529 · Gold #A87C4F · Bright Gold #C9A26D
   Paper #FAF7F1 · Ink #2B2118 · Slate #6E5E4E */

:root{
  --navy:#2F241A;
  --navy-2:#453529;
  --navy-3:#5C4732;
  --gold:#A87C4F;
  --gold-2:#C9A26D;
  --paper:#FAF7F1;
  --ink:#2B2118;
  --slate:#6E5E4E;
  --line:rgba(47,36,26,.12);
  --line-light:rgba(250,247,241,.14);
  --radius:14px;
  --max:1120px;
}

*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion: reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation:none!important;transition:none!important}
}

body{
  font-family:'Instrument Sans',system-ui,-apple-system,sans-serif;
  color:var(--ink);
  background:var(--paper);
  line-height:1.6;
  font-size:16.5px;
  -webkit-font-smoothing:antialiased;
}

h1,h2,h3,.display{
  font-family:'Fraunces',Georgia,serif;
  font-weight:600;
  line-height:1.12;
  letter-spacing:-.01em;
}

a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}

/* ---------- Nav ---------- */
.nav{
  position:sticky;top:0;z-index:50;
  background:rgba(47,36,26,.96);
  backdrop-filter:blur(8px);
  border-bottom:1px solid var(--line-light);
}
.nav-inner{
  max-width:var(--max);margin:0 auto;padding:14px 24px;
  display:flex;align-items:center;justify-content:space-between;gap:16px;
}
.brand{color:var(--paper);font-family:'Fraunces',serif;font-size:1.05rem;font-weight:600;letter-spacing:.01em}
.brand small{display:block;font-family:'Instrument Sans',sans-serif;font-size:.68rem;font-weight:500;color:var(--gold-2);letter-spacing:.12em;text-transform:uppercase}
.nav-right{display:flex;align-items:center;gap:14px}
.lang-switch{
  color:var(--paper);font-size:.8rem;font-weight:600;letter-spacing:.06em;
  border:1px solid var(--line-light);border-radius:99px;padding:7px 14px;
  transition:border-color .2s;
}
.lang-switch:hover{border-color:var(--gold)}
.nav-cta{
  background:var(--gold);color:var(--navy);font-weight:700;font-size:.86rem;
  padding:10px 18px;border-radius:99px;transition:background .2s;white-space:nowrap;
}
.nav-cta:hover{background:var(--gold-2)}
@media(max-width:560px){.nav-cta{display:none}}

/* ---------- Hero ---------- */
.hero{
  background:linear-gradient(168deg,var(--navy) 0%,var(--navy-2) 62%,var(--navy-3) 100%);
  color:var(--paper);
  padding:76px 0 0;
  overflow:hidden;
}
.hero-grid{
  max-width:var(--max);margin:0 auto;padding:0 24px 72px;
  display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center;
}
@media(max-width:880px){.hero-grid{grid-template-columns:1fr;gap:44px;padding-bottom:56px}}
.eyebrow{
  font-size:.74rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase;
  color:var(--gold-2);margin-bottom:18px;
}
.hero h1{font-size:clamp(2.1rem,4.6vw,3.4rem);margin-bottom:20px}
.hero h1 em{font-style:italic;color:var(--gold-2)}
.hero p.lede{font-size:1.08rem;color:rgba(250,247,241,.82);max-width:34em;margin-bottom:30px}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:26px}
.btn{
  display:inline-block;padding:15px 28px;border-radius:99px;
  font-weight:700;font-size:.95rem;transition:transform .15s,background .2s;
}
.btn:active{transform:scale(.98)}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{background:var(--gold-2)}
.btn-ghost{border:1.5px solid rgba(250,247,241,.35);color:var(--paper)}
.btn-ghost:hover{border-color:var(--gold)}
.trust-chips{display:flex;gap:18px;flex-wrap:wrap;font-size:.8rem;color:rgba(250,247,241,.72)}
.trust-chips span::before{content:"✓";color:var(--gold-2);margin-right:7px;font-weight:700}

/* Signature: before/after payment strip */
.payment-strip{
  background:rgba(250,247,241,.06);
  border:1px solid var(--line-light);
  border-radius:var(--radius);
  padding:28px 26px;
}
.strip-label{font-size:.7rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-2);font-weight:600;margin-bottom:20px}
.strip-row{display:flex;justify-content:space-between;align-items:baseline;padding:11px 0;border-bottom:1px dashed rgba(250,247,241,.15);font-size:.92rem}
.strip-row span:first-child{color:rgba(250,247,241,.72)}
.strip-row span:last-child{font-variant-numeric:tabular-nums;font-weight:600}
.strip-row.total-before span:last-child{color:#CE8C6E;text-decoration:line-through;text-decoration-color:rgba(206,140,110,.6)}
.strip-after{
  margin-top:18px;padding:18px 20px;border-radius:10px;
  background:rgba(168,124,79,.14);border:1px solid rgba(168,124,79,.4);
  display:flex;justify-content:space-between;align-items:center;
}
.strip-after b{font-family:'Fraunces',serif;font-size:1.7rem;color:var(--gold-2);font-variant-numeric:tabular-nums}
.strip-after span{font-size:.86rem;color:rgba(250,247,241,.85);max-width:11em}
.strip-note{margin-top:14px;font-size:.72rem;color:rgba(250,247,241,.5)}

/* ---------- Stats bar ---------- */
.stats{background:var(--navy);border-top:1px solid var(--line-light)}
.stats-inner{
  max-width:var(--max);margin:0 auto;padding:34px 24px;
  display:grid;grid-template-columns:repeat(4,1fr);gap:20px;
}
@media(max-width:720px){.stats-inner{grid-template-columns:repeat(2,1fr);gap:28px}}
.stat{text-align:center}
.stat b{display:block;font-family:'Fraunces',serif;font-size:2rem;color:var(--gold-2);font-variant-numeric:tabular-nums}
.stat span{font-size:.78rem;color:rgba(250,247,241,.65);letter-spacing:.04em}

/* ---------- Sections ---------- */
section{padding:84px 0}
@media(max-width:720px){section{padding:60px 0}}
.section-head{max-width:640px;margin-bottom:52px}
.section-head .eyebrow{color:var(--gold);opacity:.9}
.section-head h2{font-size:clamp(1.7rem,3.4vw,2.4rem);color:var(--navy);margin-bottom:14px}
.section-head p{color:var(--slate)}

/* Symptoms grid */
.symptoms{background:var(--paper)}
.symptom-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
@media(max-width:960px){.symptom-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:620px){.symptom-grid{grid-template-columns:1fr}}
.symptom-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:30px 26px;display:flex;flex-direction:column;gap:14px;
  transition:transform .2s,box-shadow .2s;
}
.symptom-card:hover{transform:translateY(-3px);box-shadow:0 14px 34px rgba(47,36,26,.09)}
.symptom-card h3{font-size:1.14rem;color:var(--navy)}
.symptom-card .q{color:var(--slate);font-size:.93rem;flex-grow:1}
.rx{
  border-top:2px solid var(--gold);padding-top:14px;font-size:.9rem;color:var(--ink);
}
.rx b{display:block;font-size:.68rem;letter-spacing:.15em;text-transform:uppercase;color:var(--gold);margin-bottom:6px}

/* Comparison */
.compare{background:var(--navy);color:var(--paper)}
.compare .section-head h2{color:var(--paper)}
.compare .section-head p{color:rgba(250,247,241,.7)}
.compare-cols{display:grid;grid-template-columns:1fr 1fr;gap:22px}
@media(max-width:760px){.compare-cols{grid-template-columns:1fr}}
.col{border-radius:var(--radius);padding:34px 30px}
.col-bank{background:rgba(250,247,241,.05);border:1px solid var(--line-light)}
.col-me{background:rgba(168,124,79,.1);border:1px solid rgba(168,124,79,.45)}
.col h3{font-size:1.1rem;margin-bottom:22px}
.col-me h3{color:var(--gold-2)}
.col ul{list-style:none;display:flex;flex-direction:column;gap:15px;font-size:.94rem}
.col-bank li{color:rgba(250,247,241,.72)}
.col-bank li::before{content:"✕";color:#CE8C6E;margin-right:11px;font-weight:700}
.col-me li::before{content:"✓";color:var(--gold-2);margin-right:11px;font-weight:700}

/* Method */
.method{background:var(--paper)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
@media(max-width:760px){.steps{grid-template-columns:1fr}}
.step{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:32px 28px;
}
.step-num{
  font-family:'Fraunces',serif;font-size:.9rem;font-weight:700;color:var(--gold);
  border:1.5px solid var(--gold);border-radius:99px;width:38px;height:38px;
  display:flex;align-items:center;justify-content:center;margin-bottom:18px;
}
.step h3{font-size:1.12rem;color:var(--navy);margin-bottom:10px}
.step p{color:var(--slate);font-size:.93rem}

/* About */
.about{background:#fff}
.about-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;align-items:center}
@media(max-width:820px){.about-grid{grid-template-columns:1fr;gap:36px}}
.headshot{
  border-radius:var(--radius);aspect-ratio:4/5;object-fit:cover;width:100%;
  border:1px solid var(--line);background:var(--navy-2);
}
.headshot-fallback{
  border-radius:var(--radius);aspect-ratio:4/5;width:100%;
  background:linear-gradient(160deg,var(--navy),var(--navy-3));
  display:flex;align-items:center;justify-content:center;
  color:var(--gold-2);font-family:'Fraunces',serif;font-size:3.4rem;
}
.about h2{font-size:clamp(1.7rem,3vw,2.3rem);color:var(--navy);margin-bottom:6px}
.about .role{color:var(--gold);font-weight:600;font-size:.86rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:20px}
.about p{color:var(--slate);margin-bottom:16px}
.about-points{list-style:none;margin:22px 0 30px;display:flex;flex-direction:column;gap:12px}
.about-points li{font-size:.94rem}
.about-points li::before{content:"—";color:var(--gold);margin-right:10px;font-weight:700}

/* FAQ */
.faq{background:var(--paper)}
.faq-list{max-width:760px}
details{
  background:#fff;border:1px solid var(--line);border-radius:12px;
  margin-bottom:12px;overflow:hidden;
}
summary{
  cursor:pointer;padding:20px 24px;font-weight:600;color:var(--navy);
  list-style:none;display:flex;justify-content:space-between;align-items:center;gap:14px;font-size:.98rem;
}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--gold);font-size:1.3rem;font-weight:400;flex-shrink:0}
details[open] summary::after{content:"–"}
details p{padding:0 24px 22px;color:var(--slate);font-size:.93rem}

/* Final CTA */
.final{
  background:linear-gradient(168deg,var(--navy) 0%,var(--navy-3) 100%);
  color:var(--paper);text-align:center;
}
.final h2{font-size:clamp(1.8rem,3.6vw,2.6rem);margin-bottom:16px}
.final h2 em{font-style:italic;color:var(--gold-2)}
.final p{color:rgba(250,247,241,.78);max-width:36em;margin:0 auto 32px}
.final .trust-chips{justify-content:center;margin-top:26px}

/* Footer */
footer{background:var(--navy);color:rgba(250,247,241,.65);padding:56px 0 40px;border-top:1px solid var(--line-light);font-size:.86rem}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;margin-bottom:40px}
@media(max-width:760px){.foot-grid{grid-template-columns:1fr;gap:30px}}
.foot-grid h4{color:var(--paper);font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:14px}
.foot-grid a{display:block;padding:4px 0;transition:color .2s}
.foot-grid a:hover{color:var(--gold-2)}
.foot-brand{font-family:'Fraunces',serif;color:var(--paper);font-size:1.05rem;margin-bottom:10px}
.compliance{
  border-top:1px solid var(--line-light);padding-top:26px;
  font-size:.74rem;color:rgba(250,247,241,.45);line-height:1.7;
}

/* Reveal on scroll */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion: reduce){.reveal{opacity:1;transform:none}}

/* Focus */
a:focus-visible,summary:focus-visible{outline:2.5px solid var(--gold);outline-offset:3px;border-radius:6px}

/* WhatsApp float */
.wa-float{
  position:fixed;bottom:22px;right:22px;z-index:60;
  background:#25D366;color:#fff;width:54px;height:54px;border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  box-shadow:0 8px 24px rgba(0,0,0,.25);transition:transform .2s;
}
.wa-float:hover{transform:scale(1.07)}
.wa-float svg{width:28px;height:28px;fill:#fff}

/* Bilingual badge (hero, top) */
.badge-bilingual{
  display:inline-flex;align-items:center;gap:9px;
  background:rgba(168,124,79,.16);border:1px solid rgba(168,124,79,.5);
  color:var(--gold-2);border-radius:99px;padding:8px 16px;
  font-size:.78rem;font-weight:600;letter-spacing:.05em;margin-bottom:22px;
}
.badge-bilingual b{font-family:'Fraunces',serif;font-size:.86rem}

/* Services grid */
.services{background:#fff}
.service-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
@media(max-width:960px){.service-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.service-grid{grid-template-columns:1fr}}
.service-card{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);
  padding:28px 24px;transition:transform .2s,box-shadow .2s;
}
.service-card:hover{transform:translateY(-3px);box-shadow:0 12px 30px rgba(47,36,26,.1)}
.service-card h3{font-size:1.05rem;color:var(--navy);margin-bottom:10px}
.service-card p{color:var(--slate);font-size:.9rem}
.service-tag{
  display:inline-block;font-size:.64rem;font-weight:700;letter-spacing:.14em;
  text-transform:uppercase;color:var(--gold);border:1px solid rgba(168,124,79,.45);
  border-radius:99px;padding:4px 10px;margin-bottom:14px;
}

/* ===== Hero "Five ways" panel ===== */
.ways-panel{
  background:rgba(250,247,241,.06);
  border:1px solid var(--line-light);
  border-radius:var(--radius);
  padding:28px 26px;
}
.ways-panel h2{
  font-size:1.02rem;color:var(--gold-2);margin-bottom:20px;
  letter-spacing:.01em;
}
.way{
  display:flex;align-items:baseline;gap:14px;
  padding:12px 0;border-bottom:1px dashed rgba(250,247,241,.15);
}
.way:last-of-type{border-bottom:none}
.way b{
  flex:0 0 82px;font-family:'Instrument Sans',sans-serif;
  font-size:.68rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase;
  color:var(--gold-2);
}
.way span{font-size:.93rem;color:rgba(250,247,241,.88)}
.ways-callout{
  margin-top:18px;padding:18px 20px;border-radius:10px;
  background:rgba(168,124,79,.16);border:1px solid rgba(168,124,79,.45);
}
.ways-callout p{font-size:.9rem;color:rgba(250,247,241,.92);margin-bottom:8px}
.ways-callout a{color:var(--gold-2);font-weight:700;font-size:.88rem;border-bottom:1px solid rgba(201,162,109,.5)}
.ways-note{margin-top:14px;font-size:.72rem;color:rgba(250,247,241,.5);line-height:1.55}

/* ===== Services (5-up) ===== */
.services{background:var(--paper)}
.service-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
@media(max-width:960px){.service-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.service-grid{grid-template-columns:1fr}}
.service-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:30px 26px;display:flex;flex-direction:column;
  transition:transform .2s,box-shadow .2s;
}
.service-card:hover{transform:translateY(-3px);box-shadow:0 14px 34px rgba(47,36,26,.1)}
.service-tag{
  align-self:flex-start;font-size:.63rem;font-weight:700;letter-spacing:.15em;
  text-transform:uppercase;color:var(--gold);border:1px solid rgba(168,124,79,.45);
  border-radius:99px;padding:4px 11px;margin-bottom:16px;
}
.service-card h3{font-size:1.08rem;color:var(--navy);margin-bottom:11px;line-height:1.25}
.service-card p{color:var(--slate);font-size:.92rem;flex-grow:1}
.service-link{
  margin-top:16px;color:var(--gold);font-weight:700;font-size:.88rem;
  border-bottom:1px solid rgba(168,124,79,.4);align-self:flex-start;
  transition:color .2s;
}
.service-link:hover{color:var(--navy)}

/* ===== Blog ===== */
.blog-hero{
  background:linear-gradient(168deg,var(--navy) 0%,var(--navy-3) 100%);
  color:var(--paper);padding:70px 0 60px;
}
.blog-hero h1{font-size:clamp(1.9rem,4vw,2.9rem);margin-bottom:14px}
.blog-hero p{color:rgba(250,247,241,.78);max-width:38em}
.post-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
@media(max-width:900px){.post-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.post-grid{grid-template-columns:1fr}}
.post-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:28px 26px;display:flex;flex-direction:column;
  transition:transform .2s,box-shadow .2s;
}
.post-card:hover{transform:translateY(-3px);box-shadow:0 14px 34px rgba(47,36,26,.1)}
.post-meta{font-size:.7rem;letter-spacing:.13em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:12px}
.post-card h3{font-size:1.08rem;color:var(--navy);margin-bottom:10px;line-height:1.3}
.post-card p{color:var(--slate);font-size:.9rem;flex-grow:1;margin-bottom:16px}
.post-card .service-link{margin-top:0}
.empty-note{
  background:#fff;border:1px dashed var(--line);border-radius:var(--radius);
  padding:38px 30px;text-align:center;color:var(--slate);
}

/* Article body */
.article{background:#fff;padding:70px 0 84px}
.article-inner{max-width:720px;margin:0 auto;padding:0 24px}
.article-inner h2{font-size:1.5rem;color:var(--navy);margin:38px 0 14px}
.article-inner h3{font-size:1.15rem;color:var(--navy);margin:28px 0 10px}
.article-inner p{margin-bottom:18px;color:var(--ink)}
.article-inner ul,.article-inner ol{margin:0 0 20px 22px;color:var(--ink)}
.article-inner li{margin-bottom:9px}
.article-inner a{color:var(--gold);font-weight:600;border-bottom:1px solid rgba(168,124,79,.4)}
.article-cta{
  margin-top:44px;padding:32px 30px;border-radius:var(--radius);
  background:var(--paper);border:1px solid var(--line);text-align:center;
}
.article-cta h3{margin-top:0;font-size:1.2rem}
.article-cta p{color:var(--slate);font-size:.94rem;margin-bottom:20px}
.breadcrumb{font-size:.8rem;color:rgba(250,247,241,.6);margin-bottom:18px}
.breadcrumb a{border-bottom:1px solid rgba(250,247,241,.25)}