/* Global Styles */
:root {
    --primary-color: #003b5c;
    /* Deep Blue typical of UK financial brands */
    --accent-color: #d40e14;
    /* Red accent */
    --secondary-color: #f4f6f8;
    /* Light gray background */
    --text-color: #333333;
    --white: #ffffff;
    --border-radius: 8px;
    --transition: all 0.3s ease;
    --container-width: 1200px;
    --font-heading: 'Outfit', sans-serif;
    --font-body: 'Outfit', sans-serif;
}

/* Box Sizing Reset (Replacing * selector) */
div,
section,
header,
footer,
nav,
ul,
li,
p,
h1,
h2,
h3,
h4,
a,
img,
button,
span,
input,
textarea,
label {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

.site-root {
    scroll-behavior: smooth;
}

.site-body {
    font-family: var(--font-body);
    line-height: 1.6;
    color: var(--text-color);
    background-color: var(--white);
    overflow-x: hidden;
}

/* Typography */
.hero-title,
.section-title,
.feature-title,
.footer-heading,
.loader-brand,
.cookie-title,
.faq-question {
    font-family: var(--font-heading);
    font-weight: 700;
    line-height: 1.2;
    margin-bottom: 1rem;
}

.brand-logo,
.nav-link,
.hero-cta-btn,
.nav-cta-btn,
.text-link,
.footer-link {
    text-decoration: none;
    color: inherit;
    transition: var(--transition);
}

.nav-menu,
.footer-links {
    list-style: none;
}

.responsive-img {
    max-width: 100%;
    height: auto;
    display: block;
}

/* Utilities */
.container {
    max-width: var(--container-width);
    margin: 0 auto;
    padding: 0 20px;
}

.center-text {
    text-align: center;
}

/* Page Loader */
.page-loader {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-color: var(--white);
    display: flex;
    justify-content: center;
    align-items: center;
    z-index: 9999;
    transition: opacity 0.5s ease, visibility 0.5s;
}

.loader-content {
    text-align: center;
}

.loader-brand {
    font-size: 2.5rem;
    color: var(--primary-color);
    margin-bottom: 20px;
}

.spinner {
    width: 40px;
    height: 40px;
    border: 4px solid rgba(0, 59, 92, 0.1);
    border-left-color: var(--primary-color);
    border-radius: 50%;
    animation: spin 1s linear infinite;
    margin: 0 auto;
}

@keyframes spin {
    0% {
        transform: rotate(0deg);
    }

    100% {
        transform: rotate(360deg);
    }
}

.loader-hidden {
    opacity: 0;
    visibility: hidden;
}

/* Top Ad Note */
.top-ad-note {
    background-color: #fdf2e9;
    color: #666;
    text-align: center;
    padding: 10px 20px;
    font-size: 0.85rem;
    border-bottom: 1px solid #e0e0e0;
}

/* Navbar */
.navbar {
    background-color: var(--white);
    box-shadow: 0 2px 10px rgba(0, 0, 0, 0.05);
    position: sticky;
    top: 0;
    z-index: 1000;
    padding: 15px 0;
}

.nav-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.brand-logo {
    font-size: 1.8rem;
    font-weight: 700;
    color: var(--primary-color);
}

.nav-menu {
    display: flex;
    align-items: center;
    gap: 30px;
}

.nav-link {
    font-weight: 500;
    color: var(--text-color);
}

.nav-link:hover {
    color: var(--accent-color);
}

.nav-cta-btn {
    background-color: var(--accent-color);
    color: var(--white);
    padding: 10px 20px;
    border-radius: var(--border-radius);
    font-weight: 600;
}

.nav-cta-btn:hover {
    background-color: #b00b10;
}

.hamburger {
    display: none;
    background: none;
    border: none;
    cursor: pointer;
}

.hamburger .bar {
    display: block;
    width: 25px;
    height: 3px;
    background-color: var(--primary-color);
    margin: 5px 0;
    transition: var(--transition);
}

.close-menu {
    display: none;
    background: none;
    border: none;
    cursor: pointer;
    color: var(--text-color);
    margin-bottom: 20px;
    align-self: flex-end;
}

.close-item {
    display: none;
    width: 100%;
}

/* Hero Section */
.hero-section {
    padding: 60px 0;
    background-color: var(--secondary-color);
    overflow: hidden;
}

.hero-container {
    display: flex;
    align-items: center;
    gap: 40px;
}

.hero-content {
    flex: 1;
}

.hero-title {
    font-size: 3rem;
    color: var(--primary-color);
    margin-bottom: 20px;
}

.hero-subtitle {
    font-size: 1.2rem;
    margin-bottom: 30px;
    color: #555;
    max-width: 500px;
}

.hero-cta-btn {
    display: inline-block;
    background-color: var(--primary-color);
    color: var(--white);
    padding: 15px 35px;
    font-size: 1.1rem;
    font-weight: 600;
    border-radius: var(--border-radius);
    margin-bottom: 15px;
}

.hero-cta-btn:hover {
    background-color: #002a42;
    transform: translateY(-2px);
}

.hero-note {
    font-size: 0.9rem;
    color: #777;
    font-style: italic;
}

.hero-image-wrapper {
    flex: 1;
    position: relative;
}

.hero-img {
    border-radius: var(--border-radius);
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
}

/* About Section */
.about-section {
    padding: 80px 0;
}

.about-container {
    display: flex;
    align-items: center;
    gap: 50px;
}

.about-image {
    flex: 1;
}

.section-img {
    border-radius: var(--border-radius);
    box-shadow: 0 5px 20px rgba(0, 0, 0, 0.1);
}

.about-text {
    flex: 1;
}

.section-title {
    font-size: 2.5rem;
    color: var(--primary-color);
    margin-bottom: 20px;
}

.section-desc {
    font-size: 1.1rem;
    margin-bottom: 20px;
    color: #555;
}

.text-link {
    color: var(--accent-color);
    font-weight: 600;
    border-bottom: 2px solid var(--accent-color);
}

/* Why Us Section */
.why-us-section {
    padding: 80px 0;
    background-color: #f0f4f8;
}

.section-header-center {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 50px;
}

.section-subtitle {
    font-size: 1.2rem;
    color: #666;
}

.features-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

.feature-card {
    background-color: var(--white);
    padding: 40px 30px;
    border-radius: var(--border-radius);
    box-shadow: 0 5px 15px rgba(0, 0, 0, 0.05);
    text-align: center;
    transition: var(--transition);
}

.feature-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 15px 30px rgba(0, 0, 0, 0.1);
}

.icon-box {
    font-size: 3rem;
    margin-bottom: 20px;
}

.feature-title {
    font-size: 1.4rem;
    margin-bottom: 15px;
    color: var(--primary-color);
}

.feature-desc {
    color: #666;
}

/* Testimonials Section */
.testimonials-section {
    padding: 80px 0;
    background-color: var(--white);
    text-align: center;
}

.testimonial-card {
    max-width: 800px;
    margin: 0 auto 40px;
}

.stars {
    color: #fbc02d;
    font-size: 1.5rem;
    margin-bottom: 15px;
}

.testimonial-text {
    font-size: 1.5rem;
    font-style: italic;
    color: var(--primary-color);
    margin-bottom: 20px;
    line-height: 1.4;
}

.testimonial-author {
    font-weight: 700;
    color: var(--text-color);
}

.testimonial-note {
    font-size: 0.9rem;
    color: #888;
    margin-top: 5px;
}

.testimonial-image-center {
    display: flex;
    justify-content: center;
    margin-top: 40px;
}

.testimonial-img {
    max-width: 500px;
    height: auto;
    max-height: 300px;
    object-fit: cover;
    border-radius: var(--border-radius);
    width: 100%;
    /* Ensure it takes available width up to max */
}

/* FAQ Section */
.faq-section {
    padding: 80px 0;
    background-color: var(--secondary-color);
}

.faq-grid {
    max-width: 800px;
    margin: 40px auto 0;
    display: grid;
    gap: 20px;
}

.faq-item {
    background-color: var(--white);
    padding: 30px;
    border-radius: var(--border-radius);
    box-shadow: 0 2px 10px rgba(0, 0, 0, 0.03);
}

.faq-question {
    font-size: 1.2rem;
    color: var(--primary-color);
    margin-bottom: 10px;
}

.faq-answer {
    color: #666;
}

/* Footer */
.site-footer {
    background-color: #002236;
    color: #ecf0f1;
    padding: 60px 0 20px;
}

.footer-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 40px;
    margin-bottom: 40px;
}

.footer-heading {
    color: var(--white);
    font-size: 1.1rem;
    margin-bottom: 20px;
    border-bottom: 2px solid var(--accent-color);
    display: inline-block;
    padding-bottom: 5px;
}

.footer-text {
    color: #b8c6d1;
    font-size: 0.95rem;
    margin-bottom: 10px;
}

.footer-link {
    color: #b8c6d1;
    transition: var(--transition);
}

.footer-link:hover {
    color: var(--white);
    text-decoration: underline;
}

.footer-links li {
    margin-bottom: 10px;
}

.footer-ad-note {
    background-color: rgba(255, 255, 255, 0.05);
    padding: 15px;
    text-align: center;
    border-radius: var(--border-radius);
    margin-bottom: 20px;
    font-size: 0.85rem;
    color: #b8c6d1;
}

.footer-bottom {
    text-align: center;
    padding-top: 20px;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    color: #7f8c8d;
    font-size: 0.9rem;
}

/* Cookie Popup */
.cookie-popup {
    position: fixed;
    bottom: 0;
    left: 0;
    width: 100%;
    background-color: var(--white);
    box-shadow: 0 -5px 20px rgba(0, 0, 0, 0.1);
    padding: 20px;
    z-index: 10000;
    transform: translateY(100%);
    transition: transform 0.5s ease;
}

.cookie-popup.show {
    transform: translateY(0);
}

.cookie-content {
    max-width: var(--container-width);
    margin: 0 auto;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 20px;
}

.cookie-title {
    font-size: 1.2rem;
    color: var(--primary-color);
    margin-bottom: 5px;
}

.cookie-text {
    font-size: 0.95rem;
    color: #555;
    flex: 1;
}

.cookie-buttons {
    display: flex;
    gap: 10px;
    flex-shrink: 0;
}

.cookie-btn {
    padding: 10px 20px;
    border: none;
    border-radius: var(--border-radius);
    cursor: pointer;
    font-weight: 600;
    transition: var(--transition);
}

.accept-btn {
    background-color: var(--primary-color);
    color: var(--white);
}

.accept-btn:hover {
    background-color: #002a42;
}

.reject-btn {
    background-color: #e0e0e0;
    color: var(--text-color);
}

.reject-btn:hover {
    background-color: #ccc;
}

/* Responsive & Mobile Styling */
@media (max-width: 991px) {
    .container {
        max-width: 100%;
        padding: 0 25px;
    }

    .hero-container,
    .about-container {
        flex-direction: column;
        text-align: center;
    }

    .hero-subtitle {
        margin: 0 auto 30px;
    }

    .features-grid,
    .footer-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .hamburger {
        display: flex;
        flex-direction: column;
        justify-content: space-between;
        width: 30px;
        height: 21px;
        background: none;
        border: none;
        cursor: pointer;
        padding: 0;
        z-index: 1001;
        /* Ensure distinct */
    }

    .hamburger .bar {
        display: block;
        width: 100%;
        height: 3px;
        background-color: var(--primary-color);
        border-radius: 3px;
        transition: var(--transition);
        margin: 0;
    }

    .hamburger:hover .bar {
        background-color: var(--accent-color);
    }

    .nav-menu {
        position: fixed;
        top: 0;
        right: -100%;
        width: 75%;
        /* 75% width as requested */
        height: 100vh;
        background-color: var(--white);
        flex-direction: column;
        padding: 80px 30px;
        box-shadow: -5px 0 15px rgba(0, 0, 0, 0.2);
        transition: right 0.4s ease;
        align-items: flex-start;
        z-index: 2000;
        /* Ensure it's on top of everything */
    }

    .nav-menu.active {
        right: 0;
    }

    .overlay {
        position: fixed;
        top: 0;
        left: 0;
        width: 100%;
        height: 100%;
        background-color: rgba(0, 0, 0, 0.6);
        opacity: 0;
        visibility: hidden;
        transition: 0.3s;
        z-index: 1999;
        /* Below menu, above page */
    }

    .overlay.active {
        opacity: 1;
        visibility: visible;
    }

    .nav-menu .close-item {
        display: block;
        position: absolute;
        top: 25px;
        right: 25px;
        left: auto;
        width: auto;
        z-index: 2005;
    }

    .close-menu {
        display: flex;
        align-items: center;
        justify-content: center;
        background: #f0f0f0;
        border: none;
        cursor: pointer;
        color: var(--text-color);
        width: 44px;
        height: 44px;
        border-radius: 50%;
        transition: var(--transition);
        margin: 0;
    }

    .close-menu:hover {
        background-color: #e0e0e0;
        color: var(--accent-color);
    }

    .nav-item {
        width: 100%;
    }

    .nav-link {
        font-size: 1.2rem;
        display: block;
        padding: 10px 0;
        border-bottom: 1px solid #f0f0f0;
    }

    .cta-item {
        margin-top: 20px;
        width: 100%;
    }

    .nav-cta-btn {
        display: block;
        text-align: center;
        width: 100%;
    }

    .cookie-content {
        flex-direction: column;
        align-items: flex-start;
    }

    .cookie-buttons {
        width: 100%;
        justify-content: flex-end;
    }
}

@media (max-width: 576px) {

    .features-grid,
    .footer-grid {
        grid-template-columns: 1fr;
    }

    .hero-title {
        font-size: 2.2rem;
    }

    .section-title {
        font-size: 1.8rem;
    }
}