/* FCRADisputeHelper.com — global styles */
:root {
  --navy: #0b2545;
  --blue: #1d6fb8;
  --blue-dark: #155a96;
  --accent: #13a463;
  --accent-dark: #0f8351;
  --bg: #f6f9fc;
  --card: #ffffff;
  --text: #1c2b3a;
  --muted: #5a6b7b;
  --border: #e2e9f0;
  --warn-bg: #fff8e6;
  --warn-border: #f0d488;
  --radius: 12px;
  --shadow: 0 2px 14px rgba(11, 37, 69, 0.07);
  --maxw: 1080px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.65;
  font-size: 17px;
}
h1, h2, h3 { line-height: 1.25; color: var(--navy); }
h1 { font-size: 2.3rem; margin: 0 0 .5em; }
h2 { font-size: 1.6rem; margin: 1.8em 0 .6em; }
h3 { font-size: 1.2rem; margin: 1.4em 0 .4em; }
p { margin: 0 0 1em; }
a { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; }

.container { max-width: var(--maxw); margin: 0 auto; padding: 0 20px; }
.narrow { max-width: 760px; }

/* Header / nav */
.site-header {
  background: var(--card);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 50;
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 12px 20px;
}
.brand { font-weight: 800; font-size: 1.2rem; color: var(--navy); display: flex; align-items: center; gap: 8px; }
.brand:hover { text-decoration: none; }
.brand .mark { color: var(--accent); }
.nav-links { display: flex; gap: 22px; align-items: center; }
.nav-links a { color: var(--text); font-weight: 600; font-size: .95rem; }
.nav-toggle { display: none; background: none; border: 0; font-size: 1.6rem; cursor: pointer; color: var(--navy); }

/* Buttons */
.btn {
  display: inline-block;
  background: var(--accent);
  color: #fff;
  font-weight: 700;
  padding: 14px 28px;
  border-radius: var(--radius);
  border: 0;
  cursor: pointer;
  font-size: 1.05rem;
  transition: background .15s ease, transform .1s ease;
}
.btn:hover { background: var(--accent-dark); text-decoration: none; color: #fff; transform: translateY(-1px); }
.btn-secondary { background: var(--blue); }
.btn-secondary:hover { background: var(--blue-dark); }
.btn-lg { padding: 16px 36px; font-size: 1.15rem; }
.btn-block { display: block; width: 100%; text-align: center; }

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, #143a63 100%);
  color: #fff;
  padding: 70px 0 80px;
  text-align: center;
}
.hero h1 { color: #fff; max-width: 760px; margin: 0 auto .4em; }
.hero p.lead { font-size: 1.25rem; color: #cfe0f0; max-width: 640px; margin: 0 auto 1.8em; }
.hero .trust { margin-top: 18px; font-size: .9rem; color: #aac4dd; }

/* Sections */
section.block { padding: 56px 0; }
section.block.alt { background: var(--card); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.section-title { text-align: center; margin-bottom: .3em; }
.section-sub { text-align: center; color: var(--muted); max-width: 620px; margin: 0 auto 2.2em; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.step {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 24px;
  text-align: center;
  box-shadow: var(--shadow);
}
.step .num {
  display: inline-flex; align-items: center; justify-content: center;
  width: 46px; height: 46px; border-radius: 50%;
  background: var(--blue); color: #fff; font-weight: 800; font-size: 1.2rem;
  margin-bottom: 12px;
}
.step h3 { margin-top: 0; }

/* Cards / grid */
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  box-shadow: var(--shadow);
}

/* Error list */
.errlist { list-style: none; padding: 0; margin: 0; columns: 2; column-gap: 36px; }
.errlist li { padding: 8px 0 8px 30px; position: relative; break-inside: avoid; }
.errlist li::before { content: "✓"; position: absolute; left: 0; color: var(--accent); font-weight: 800; }

/* Callout / disclaimer */
.callout {
  background: var(--warn-bg);
  border: 1px solid var(--warn-border);
  border-radius: var(--radius);
  padding: 18px 22px;
  font-size: .95rem;
  color: #6b5418;
}
.callout strong { color: #5a4711; }

/* Generator form */
.gen-layout { display: grid; grid-template-columns: 1fr; gap: 28px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { display: flex; flex-direction: column; margin-bottom: 4px; }
.field.full { grid-column: 1 / -1; }
.field label { font-weight: 600; font-size: .92rem; margin-bottom: 6px; color: var(--navy); }
.field input, .field select, .field textarea {
  font: inherit;
  padding: 11px 13px;
  border: 1px solid var(--border);
  border-radius: 8px;
  background: #fff;
  color: var(--text);
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(29,111,184,.15);
}
.field textarea { resize: vertical; min-height: 90px; }
.field .hint { font-size: .8rem; color: var(--muted); margin-top: 4px; }
fieldset { border: 1px solid var(--border); border-radius: var(--radius); padding: 20px 22px 8px; margin: 0 0 22px; }
fieldset legend { font-weight: 700; color: var(--navy); padding: 0 8px; }

/* Bureau picker */
.bureau-options { display: grid; grid-template-columns: repeat(3,1fr); gap: 12px; }
.bureau-options label {
  border: 2px solid var(--border); border-radius: 10px; padding: 14px; text-align: center;
  cursor: pointer; font-weight: 600; transition: border-color .15s, background .15s;
}
.bureau-options input { display: none; }
.bureau-options input:checked + span { color: var(--blue-dark); }
.bureau-options label:has(input:checked) { border-color: var(--blue); background: #eef5fb; }

/* Letter preview */
.preview {
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius);
  padding: 38px 42px; font-family: "Georgia", "Times New Roman", serif; font-size: 15px;
  line-height: 1.7; white-space: pre-wrap; min-height: 200px; box-shadow: var(--shadow);
}
.preview:empty::before { content: "Fill out the form and your letter will appear here."; color: var(--muted); font-style: italic; }

/* FAQ */
.faq details { background: var(--card); border: 1px solid var(--border); border-radius: 10px; margin-bottom: 12px; padding: 4px 20px; }
.faq summary { font-weight: 700; cursor: pointer; padding: 14px 0; color: var(--navy); }
.faq details[open] summary { border-bottom: 1px solid var(--border); margin-bottom: 10px; }

/* Ad slots */
.ad-slot { margin: 32px auto; text-align: center; max-width: var(--maxw); padding: 0 20px; }
.ad-slot small { display: block; color: #aab6c2; font-size: .7rem; letter-spacing: .08em; text-transform: uppercase; margin-bottom: 4px; }

/* Footer */
.site-footer { background: var(--navy); color: #c4d4e4; padding: 48px 0 28px; margin-top: 60px; font-size: .92rem; }
.site-footer a { color: #cfe0f0; }
.footer-cols { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 32px; margin-bottom: 28px; }
.footer-cols h4 { color: #fff; margin: 0 0 12px; font-size: 1rem; }
.footer-cols ul { list-style: none; padding: 0; margin: 0; }
.footer-cols li { margin-bottom: 8px; }
.footer-bottom { border-top: 1px solid #1d3a5c; padding-top: 18px; color: #8ea7c0; font-size: .82rem; }

/* Breadcrumb */
.crumbs { font-size: .85rem; color: var(--muted); padding: 16px 0 0; }
.crumbs a { color: var(--blue); }

/* Utility */
.text-center { text-align: center; }
.mt-2 { margin-top: 2rem; }
.mb-0 { margin-bottom: 0; }
.cta-row { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; margin-top: 1.5em; }

/* Responsive */
@media (max-width: 860px) {
  body { font-size: 16px; }
  h1 { font-size: 1.8rem; }
  .hero { padding: 48px 0 56px; }
  .steps, .grid-2, .grid-3, .form-grid, .bureau-options { grid-template-columns: 1fr; }
  .errlist { columns: 1; }
  .footer-cols { grid-template-columns: 1fr; }
  .nav-links {
    display: none; position: absolute; top: 100%; left: 0; right: 0;
    background: var(--card); flex-direction: column; gap: 0; padding: 8px 0;
    border-bottom: 1px solid var(--border);
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 12px 20px; width: 100%; }
  .nav-toggle { display: block; }
  .preview { padding: 24px; }
}