.popup-overlay {
    position: fixed; top: 0; left: 0; width: 100%; height: 100%;
    background: rgba(0,0,0,0.85); display: none; justify-content: center; align-items: center;
    z-index: 1000000 !important; backdrop-filter: blur(4px);
}
.popup-overlay.active { display: flex !important; }
.form-box { background: #fff; padding: 35px; border-radius: 20px; width: 90%; max-width: 500px; position: relative; }
.close-btn { position: absolute; top: 10px; right: 15px; font-size: 30px; cursor: pointer; border: none; background: none; color: #333; }
body.popup-open { overflow: hidden; }

/* ================================================
   PayYou Professional Footer Styles (Light Theme)
   ================================================ */
html {
    scroll-behavior: smooth;
}

/* Prevents sticky top header from blocking anchor titles */
#why-choose-payyou {
    scroll-margin-top: 100px; 
}

.pf-footer {
    background-color: #eff0f1;
    color: #14213d;
    font-size: 14px;
    line-height: 1.55; /* Reduced from 1.7 to trim vertical space */
    font-family: inherit;
    padding-top: 35px; /* Shrunk from 50px to lower the height */
}

.pf-container {
    max-width: 1300px;
    margin: 0 auto;
    padding: 0 24px;
}

/* ---- Top Section ---- */
.pf-top {
    display: grid;
    grid-template-columns: 1.5fr 1fr;
    gap: 40px;
    padding-bottom: 30px; /* Reduced from 40px */
    border-bottom: 1px solid rgba(20, 33, 61, 0.15);
}

.pf-logo {
    color: #14213d;
    font-size: 26px;
    font-weight: 700;
    margin: 0 0 10px;
}

.pf-tagline {
    margin: 0 0 15px;
    max-width: 480px;
    color: #4a5568;
}

.pf-trust-badges {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
}

.pf-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background-color: #ffffff;
    color: #0d5cb3;
    padding: 5px 12px; /* Tightened up badge padding */
    border-radius: 20px;
    font-size: 12.5px;
    font-weight: 600;
    border: 1px solid rgba(20, 33, 61, 0.1);
    box-shadow: 0 2px 4px rgba(0, 0, 0, 0.04);
}

.pf-newsletter h4 {
    color: #14213d;
    font-size: 16px;
    font-weight: 700;
    margin: 0 0 8px;
}

.pf-newsletter p {
    margin: 0 0 12px;
    color: #4a5568;
    font-size: 13px;
}

.pf-newsletter-form {
    display: flex;
    gap: 8px;
}

.pf-newsletter-form input {
    flex: 1;
    padding: 9px 14px;
    border-radius: 6px;
    border: 1px solid rgba(20, 33, 61, 0.2);
    background-color: #ffffff;
    color: #14213d;
    font-size: 13px;
    outline: none;
    transition: border-color 0.2s;
}

.pf-newsletter-form input:focus {
    border-color: #0d5cb3;
}

.pf-newsletter-form input::placeholder {
    color: #7c879c;
}

.pf-newsletter-form button {
    padding: 9px 20px;
    border-radius: 6px;
    border: none;
    background-color: #0d5cb3;
    color: #ffffff;
    font-weight: 600;
    font-size: 13px;
    cursor: pointer;
    white-space: nowrap;
    transition: background-color 0.2s ease;
}

.pf-newsletter-form button:hover {
    background-color: #0b4a91;
}

/* ---- Columns (Fixed tracking across desktop viewport) ---- */
.pf-columns {
    display: grid;
    /* Custom ratios allocating wider columns for long copy and tighter ones for short links */
    grid-template-columns: 1.1fr 1.2fr 1.1fr 1.9fr; 
    gap: 25px; /* Perfect balance between column walls */
    padding: 30px 0; /* Shrunk from 40px to drop height */
    border-bottom: 1px solid rgba(20, 33, 61, 0.15);
}

.pf-col h4 {
    color: #14213d;
    font-size: 15px;
    font-weight: 700;
    margin: 0 0 14px; /* Slightly lower baseline gap */
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.pf-col ul {
    list-style: none;
    margin: 0;
    padding: 0;
}

.pf-col ul li {
    margin-bottom: 14px; /* Reduced from 10px to compress column length */
}

.pf-col ul li a {
    color: #334155;
    text-decoration: none;
    transition: color 0.2s ease;
    line-height : 4px;
}

.pf-col ul li a:hover {
    color: #0d5cb3;
}

/* Contact layout formatting */
.pf-contact-list {
    margin-bottom: 14px;
}

.pf-contact-list li {
    display: flex;
    align-items: flex-start;
    gap: 20px;
    margin-bottom: 6px; /* Match standard li height updates */
}

.pf-contact-list i {
    color: #0d5cb3;
    font-size: 16px;
    margin-top: 3px;
    flex-shrink: 0;
}

.pf-contact-list a {
    color: #334155;
    text-decoration: none;
}

.pf-contact-list a:hover {
    color: #0d5cb3;
}

.pf-social {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
}

.pf-social a {
    width: 32px; /* Marginally downsized social nodes */
    height: 32px;
    border: 1px solid #0d5cb3;
    background-color: #0d5cb3;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #ffffff;
        border: 2px solid #0d5cb3;

    text-decoration: none;
    transition: all 0.2s ease;
}

.pf-social a i {
    font-size: 17px; 
    line-height: 1;  
}

.pf-social a:hover {
    background-color:transparent;
    /*border-color: #0d5cb3;*/
    border: 2px solid #0d5cb3;
    color: #0d5cb3;
}

/* ---- Lending Partners Strip ---- */
.pf-partners {
    padding: 20px 0; /* Scaled down padding */
    border-bottom: 1px solid rgba(20, 33, 61, 0.15);
}

.pf-partners p {
    margin: 0 0 10px;
    color: #14213d;
    font-weight: 700;
    font-size: 13px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.pf-partner-logos {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
}

.pf-partner-logos span {
    background-color: #0d5cb3;
    border: 1px solid rgba(20, 33, 61, 0.1);
    border-radius: 6px;
    padding: 6px 14px; /* Sleeker tag dimensions */
    font-size: 12.5px;
    color: #ffff;
    font-weight: 600;
    box-shadow: 0 2px 4px rgba(0, 0, 0, 0.02);
        border: 2px solid #0d5cb3;

    transition: all 0.2s ease;
}

.pf-partner-logos span:hover {
    background-color: transparent;
    border: 2px solid #0d5cb3;
    border-color: #0d5cb3;
    color: #0d5cb3;
}

/* ---- Disclaimer Strip ---- */
.pf-disclaimer {
    padding: 16px 0; /* Reduced layout footprint */
    border-bottom: 1px solid rgba(20, 33, 61, 0.15);
    font-size: 12px;
    color: #596375;
}

.pf-disclaimer p {
    margin: 0;
}

.pf-disclaimer strong {
    color: #14213d;
}

/* ---- Bottom Bar ---- */
.pf-bottom {
    padding: 12px 0;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 10px;
    font-size: 12.5px;
    color: #596375;
}

.pf-bottom p {
    margin: 0;
}

.pf-bottom-links a {
    color: #5c677d;
    text-decoration: none;
}

.pf-bottom-links a:hover {
    color: #0d5cb3;
}

.pf-bottom-links span {
    margin: 0 6px;
    color: rgba(20, 33, 61, 0.2);
}

/* ================================================
   Responsive Breakpoints
   ================================================ */
@media (max-width: 1200px) {
    .pf-columns {
        /* Introduce balanced layout padding as viewport boundaries narrow down */
        grid-template-columns: 1fr 1.1fr 1fr 1.6fr 1.6fr;
        gap: 15px;
    }
}

@media (max-width: 1024px) {
    .pf-columns {
        grid-template-columns: repeat(3, 1fr);
        gap: 25px;
    }
    .pf-col-contact {
        grid-column: span 3;
    }
}

@media (max-width: 768px) {
    .pf-top {
        grid-template-columns: 1fr;
        gap: 24px;
    }
    .pf-columns {
        grid-template-columns: repeat(2, 1fr);
        gap: 30px 20px;
    }
    .pf-col-contact {
        grid-column: span 2;
    }
}

@media (max-width: 576px) {
    .pf-columns {
        grid-template-columns: repeat(2, 1fr);
        gap: 35px 15px;
    }
    
    .pf-col-contact {
        grid-column: span 2;
    }
    
    .pf-bottom {
        flex-direction: column;
        text-align: center;
    }
    
    .pf-newsletter-form {
        flex-direction: column;
    }
}

/* =========================================
BACK TO TOP BUTTON
========================================= */

#backToTop{
    position:fixed;
    right:25px;
    bottom:25px;

    width:65px;
    height:65px;

    cursor:pointer;

    z-index:999999;

    opacity:0;
    visibility:hidden;

    transform:translateY(20px);

    transition:all .3s ease;
}

#backToTop.show{
    opacity:1;
    visibility:visible;
    transform:translateY(0);
}

#backToTop img{
    width:80%;
    height:90%;
    object-fit:contain;
    display:block;
}

/* Hover Effect */

#backToTop:hover{
    transform:translateY(-5px);
}

/* Tablet */

@media(max-width:1024px){

    #backToTop{
        width:55px;
        height:55px;

        right:20px;
        bottom:20px;
    }

}

/* Mobile */

@media(max-width:767px){

    #backToTop{
        width:50px;
        height:50px;

        right:15px;
        bottom:15px;
    }

}

/* Large Screens */

@media(min-width:1920px){

    #backToTop{
        width:80px;
        height:80px;

        right:40px;
        bottom:40px;
    }

}

/* =========================================
BACK TO TOP BUTTON
========================================= */

#backToTop{
    position:fixed;
    right:25px;
    bottom:25px;

    width:65px;
    height:65px;

    cursor:pointer;

    z-index:999999;

    opacity:0;
    visibility:hidden;

    transform:translateY(20px);

    transition:all .3s ease;
}

#backToTop.show{
    opacity:1;
    visibility:visible;
    transform:translateY(0);
}

#backToTop img{
    width:80%;
    height:90%;
    object-fit:contain;
    display:block;
}

/* Hover Effect */

#backToTop:hover{
    transform:translateY(-5px);
}

/* Tablet */

@media(max-width:1024px){

    #backToTop{
        width:55px;
        height:55px;

        right:20px;
        bottom:20px;
    }

}

/* Mobile */

@media(max-width:767px){

    #backToTop{
        width:50px;
        height:50px;

        right:15px;
        bottom:15px;
    }
}

/* Large Screens */

@media(min-width:1920px){

    #backToTop{
        width:80px;
        height:80px;

        right:40px;
        bottom:40px;
    }
}