/* =============================================================
   FiscalGenie v2 — Navy / Teal / Amber Design System
   Palette: Navy #0F2547 | Teal #0E7490 | Amber #D97706
   Zero red. Maximum contrast.
   ============================================================= */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800;900&display=swap');

/* ---- Design Tokens ---- */
:root {
  --navy:        #0F2547;
  --navy2:       #1a3a6b;
  --teal:        #0E7490;
  --teal2:       #0891b2;
  --amber:       #D97706;
  --amber2:      #B45309;
  --green:       #15803D;
  --green2:      #166534;
  --green-light: #dcfce7;
  --white:       #FFFFFF;
  --offwhite:    #F8FAFC;
  --gray-100:    #F1F5F9;
  --gray-200:    #E2E8F0;
  --gray-500:    #64748B;
  --gray-700:    #334155;
  --text:        #0F172A;
  --text2:       #1E293B;
  --text3:       #475569;

  /* Compatibility aliases */
  --bg:          #F8FAFC;
  --bg2:         #F1F5F9;
  --gray1:       #E2E8F0;
  --gray2:       #CBD5E1;
  --gray3:       #64748B;

  --radius:      12px;
  --radius-lg:   20px;
  --radius-xl:   28px;

  --shadow-sm:   0 1px 4px rgba(15,23,42,0.08);
  --shadow:      0 4px 16px rgba(15,23,42,0.10);
  --shadow-lg:   0 8px 40px rgba(15,23,42,0.14);
  --shadow-xl:   0 20px 60px rgba(15,23,42,0.20);

  --header-h:    68px;
  --hero-overlay: linear-gradient(to right, rgba(15,37,71,0.94) 0%, rgba(15,37,71,0.75) 60%, rgba(15,37,71,0.40) 100%);
}

/* ---- Reset & Base ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  background: var(--white);
  color: var(--text);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; }
ul, ol { list-style: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
input, select, textarea { font-family: inherit; }

/* ---- Utility ---- */
.hidden { display: none !important; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); }

/* ============================================================
   HEADER
   ============================================================ */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  height: var(--header-h);
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 24px;
  box-shadow: var(--shadow-sm);
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}

.logo-icon {
  width: 36px;
  height: 36px;
  background: var(--teal);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.logo-icon svg { fill: var(--white); }

.logo-text {
  font-size: 22px;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.5px;
}

/* "Genie" in teal */
.logo-text span { color: var(--teal); }

.header-cta {
  display: flex;
  align-items: center;
  gap: 16px;
}

.header-phone {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 15px;
  font-weight: 700;
  color: var(--navy);
  text-decoration: none;
  transition: color 0.2s;
}

.header-phone:hover { color: var(--teal); }
.header-phone i { color: var(--teal); }

/* Nav CTA — teal bg, white text */
.btn-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--teal);
  color: var(--white);
  font-size: 14px;
  font-weight: 800;
  padding: 11px 22px;
  border-radius: 100px;
  text-decoration: none;
  transition: background 0.2s, transform 0.2s, box-shadow 0.2s;
  box-shadow: 0 2px 8px rgba(14,116,144,0.35);
}

.btn-cta:hover {
  background: var(--teal2);
  color: var(--white);
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(14,116,144,0.45);
}

/* ============================================================
   HERO — Full-Width Photo + Directional Overlay
   ============================================================ */
.hero {
  position: relative;
  min-height: 580px;
  display: flex;
  align-items: center;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  transform: scale(1.04);
  transition: transform 8s ease;
}

.hero:hover .hero-bg { transform: scale(1.0); }

.hero-overlay {
  position: absolute;
  inset: 0;
  background: var(--hero-overlay);
}

.hero-inner {
  position: relative;
  z-index: 2;
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 80px 24px 60px;
  display: grid;
  grid-template-columns: 1fr 460px;
  gap: 64px;
  align-items: center;
}

/* Hero Content — always white on dark overlay */
.hero-content { color: var(--white); }

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(217,119,6,0.18);
  border: 1px solid rgba(217,119,6,0.45);
  color: var(--amber);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.5px;
  padding: 7px 16px;
  border-radius: 100px;
  margin-bottom: 24px;
}

.hero-eyebrow .dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--amber);
  animation: blink 2s infinite;
}

@keyframes blink {
  0%, 100% { opacity: 1; }
  50% { opacity: 0.3; }
}

/* Hero H1 — clamp 36→62px, weight 900, always white */
.hero h1 {
  font-size: clamp(36px, 5vw, 62px);
  font-weight: 900;
  line-height: 1.08;
  letter-spacing: -1.5px;
  margin-bottom: 20px;
  color: var(--white);
}

.hero h1 .highlight { color: var(--amber); }

/* Hero sub — rgba(255,255,255,0.90) */
.hero-sub {
  font-size: 18px;
  color: rgba(255,255,255,0.90);
  line-height: 1.65;
  margin-bottom: 32px;
  max-width: 520px;
}

.hero-trust {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-bottom: 28px;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 600;
  color: rgba(255,255,255,0.90);
}

.trust-check {
  color: var(--amber);
  font-size: 12px;
}

/* Hero badge (legacy class) */
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(217,119,6,0.18);
  border: 1px solid rgba(217,119,6,0.45);
  color: var(--amber);
  font-size: 13px;
  font-weight: 700;
  padding: 7px 16px;
  border-radius: 100px;
  margin-bottom: 24px;
}

/* ============================================================
   FORM CARD (hero right side)
   ============================================================ */
.form-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  overflow: hidden;
}

.form-card-header {
  background: var(--navy);
  padding: 22px 28px;
  text-align: center;
}

.form-card-header h2 {
  font-size: 20px;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 4px;
  letter-spacing: -0.3px;
}

.form-card-header p {
  font-size: 13px;
  color: rgba(255,255,255,0.70);
  font-weight: 500;
}

/* Progress Bar */
.progress-bar-wrap {
  padding: 16px 28px 0;
  background: var(--offwhite);
  border-bottom: 1px solid var(--gray-200);
}

.progress-steps {
  position: relative;
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  padding-bottom: 14px;
}

.progress-fill {
  position: absolute;
  top: 14px;
  left: 0;
  height: 3px;
  background: var(--teal);
  border-radius: 100px;
  transition: width 0.4s ease;
  z-index: 0;
}

.progress-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 5px;
  position: relative;
  z-index: 1;
}

.step-dot {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--gray-200);
  color: var(--gray-500);
  font-size: 12px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.3s;
  border: 2px solid var(--gray-200);
}

.progress-step.active .step-dot {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}

.progress-step.done .step-dot,
.progress-step.completed .step-dot {
  background: var(--green);
  color: var(--white);
  border-color: var(--green);
}

.step-label {
  font-size: 10px;
  font-weight: 600;
  color: var(--gray-500);
  white-space: nowrap;
}

.progress-step.active .step-label { color: var(--navy); font-weight: 700; }

/* Form Steps */
.form-steps { padding: 24px 28px; }

.form-step { display: none; }

.form-step.active {
  display: block;
  animation: fadeIn 0.3s ease;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(6px); }
  to { opacity: 1; transform: translateY(0); }
}

.step-question {
  font-size: 16px;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 16px;
  line-height: 1.4;
}

/* Option Buttons */
.option-group { margin-bottom: 8px; }

.option-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}

.option-grid.cols-1 { grid-template-columns: 1fr; }

.option-btn {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 13px 16px;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius);
  font-size: 14px;
  font-weight: 600;
  color: var(--text2);
  background: var(--white);
  text-align: left;
  transition: all 0.2s;
  cursor: pointer;
  line-height: 1.3;
}

.option-btn:hover {
  border-color: var(--teal);
  background: rgba(14,116,144,0.05);
  color: var(--teal);
}

.option-btn.selected {
  border-color: var(--teal);
  background: rgba(14,116,144,0.08);
  color: var(--teal);
}

.opt-icon {
  width: 32px;
  height: 32px;
  background: var(--gray-100);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  flex-shrink: 0;
  color: var(--teal);
}

/* Form Fields */
.form-group { margin-bottom: 14px; }

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.form-label {
  display: block;
  font-size: 12px;
  font-weight: 700;
  color: var(--text2);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 6px;
}

.form-input,
.form-select {
  width: 100%;
  padding: 12px 14px;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius);
  font-size: 15px;
  color: var(--text);
  background: var(--white);
  outline: none;
  transition: border-color 0.2s, box-shadow 0.2s;
}

.form-input:focus,
.form-select:focus {
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(14,116,144,0.12);
}

/* Error state — AMBER, never red */
.form-input.error,
.form-select.error {
  border-color: var(--amber);
  box-shadow: 0 0 0 3px rgba(217,119,6,0.12);
}

/* Form Buttons — Amber bg, white text */
.btn-next,
.btn-submit {
  width: 100%;
  padding: 16px;
  background: var(--amber);
  color: var(--white);
  font-size: 16px;
  font-weight: 700;
  border-radius: 100px;
  border: none;
  cursor: pointer;
  margin-top: 12px;
  transition: all 0.2s;
  box-shadow: 0 4px 16px rgba(217,119,6,0.30);
}

.btn-next:hover,
.btn-submit:hover {
  background: var(--amber2);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(217,119,6,0.40);
}

.btn-back {
  background: none;
  border: none;
  font-size: 13px;
  font-weight: 600;
  color: var(--gray-500);
  cursor: pointer;
  padding: 0;
  margin-bottom: 14px;
  display: flex;
  align-items: center;
  gap: 4px;
  transition: color 0.2s;
}

.btn-back:hover { color: var(--navy); }

.form-disclaimer {
  font-size: 11px;
  color: var(--gray-500);
  line-height: 1.55;
  margin-top: 12px;
  text-align: center;
}

.form-disclaimer a { color: var(--navy); text-decoration: underline; }

/* Thank You step */
.thank-you-step {
  text-align: center;
  padding: 32px 16px;
}

.ty-icon { font-size: 56px; margin-bottom: 16px; }

.thank-you-step h3 {
  font-size: 22px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 12px;
}

.thank-you-step p {
  font-size: 15px;
  color: var(--gray-700);
  line-height: 1.65;
}

/* ============================================================
   TRUST STRIP
   ============================================================ */
.trust-strip {
  background: var(--navy);
  padding: 20px 24px;
  overflow: hidden;
}

.trust-strip-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 12px 32px;
}

.trust-badge {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  font-weight: 700;
  color: rgba(255,255,255,0.90);
  white-space: nowrap;
}

.tb-icon { color: var(--amber); font-size: 15px; }

/* ============================================================
   STATS BAR
   ============================================================ */
.stats-bar {
  background: var(--navy);
  padding: 48px 24px;
}

.stats-inner {
  max-width: 900px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  text-align: center;
}

.stat-num {
  font-size: 40px;
  font-weight: 900;
  color: var(--amber);
  letter-spacing: -1.5px;
  line-height: 1;
}

.stat-label {
  font-size: 13px;
  color: rgba(255,255,255,0.70);
  margin-top: 6px;
  font-weight: 500;
}

.stat-divider {
  width: 1px;
  background: rgba(255,255,255,0.12);
  align-self: stretch;
}

/* ============================================================
   SECTION COMMON
   ============================================================ */
.section-header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 48px;
}

/* Section label — teal, uppercase, 11px, weight 800 */
.section-label {
  display: inline-block;
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--teal);
  margin-bottom: 12px;
}

/* Section H2 — clamp 26→40px, weight 800, navy */
.section-header h2 {
  font-size: clamp(26px, 3vw, 40px);
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -1px;
  line-height: 1.12;
  margin-bottom: 14px;
}

.section-header p {
  font-size: 17px;
  color: var(--gray-700);
  line-height: 1.7;
}

/* ============================================================
   HOW IT WORKS
   ============================================================ */
.how-section {
  padding: 96px 24px;
  background: var(--white);
}

.steps-grid {
  max-width: 900px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.step-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  box-shadow: var(--shadow);
  text-align: center;
  position: relative;
  border-top: 4px solid var(--teal);
  transition: transform 0.25s, box-shadow 0.25s;
  border: 1px solid var(--gray-200);
  border-top: 4px solid var(--teal);
}

.step-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}

/* Step numbers in teal circles */
.step-num {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--teal);
  color: var(--white);
  font-size: 18px;
  font-weight: 900;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}

.step-card h3 {
  font-size: 18px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 10px;
  letter-spacing: -0.3px;
}

.step-card p {
  font-size: 15px;
  color: var(--gray-700);
  line-height: 1.65;
}

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials-section {
  padding: 96px 24px;
  background: var(--white);
}

.testimonials-grid {
  max-width: 1060px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px;
  border: 1px solid var(--gray-200);
  transition: transform 0.25s, box-shadow 0.25s;
}

.testimonial-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
}

.stars {
  font-size: 18px;
  color: var(--teal);
  margin-bottom: 12px;
  letter-spacing: 2px;
}

.testimonial-text {
  font-size: 15px;
  color: var(--text2);
  line-height: 1.7;
  font-style: italic;
  margin-bottom: 20px;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.author-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-size: 13px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.author-name {
  font-size: 15px;
  font-weight: 700;
  color: var(--navy);
}

.author-loc {
  font-size: 13px;
  color: var(--gray-500);
  margin-top: 2px;
}

/* ============================================================
   FAQ
   ============================================================ */
.faq-section {
  padding: 96px 24px;
  background: var(--offwhite);
}

.faq-list {
  max-width: 760px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.faq-item {
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--gray-200);
  overflow: hidden;
  transition: box-shadow 0.2s;
}

.faq-item:hover { box-shadow: var(--shadow); }

.faq-q {
  width: 100%;
  padding: 18px 22px;
  text-align: left;
  font-size: 16px;
  font-weight: 700;
  color: var(--navy);
  background: var(--white);
  border: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  line-height: 1.4;
  transition: background 0.2s;
}

.faq-q:hover { background: var(--offwhite); }

.faq-icon {
  font-size: 22px;
  font-weight: 300;
  color: var(--teal);
  flex-shrink: 0;
  transition: transform 0.25s;
  line-height: 1;
}

.faq-item.open .faq-icon { transform: rotate(45deg); }

.faq-a {
  display: none;
  padding: 14px 22px 18px;
  font-size: 15px;
  color: var(--gray-700);
  line-height: 1.75;
  border-top: 1px solid var(--gray-200);
}

.faq-item.open .faq-a { display: block; animation: fadeIn 0.25s ease; }

/* ============================================================
   CTA BAND
   ============================================================ */
.cta-band {
  background: var(--navy);
  padding: 96px 24px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-band::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 60% 50%, rgba(217,119,6,0.10) 0%, transparent 70%);
  pointer-events: none;
}

.cta-band h2 {
  font-size: clamp(28px, 4vw, 44px);
  font-weight: 900;
  color: var(--white);
  letter-spacing: -1px;
  line-height: 1.1;
  margin-bottom: 16px;
  position: relative;
}

.cta-band p {
  font-size: 18px;
  color: rgba(255,255,255,0.80);
  margin-bottom: 36px;
  max-width: 520px;
  margin-left: auto;
  margin-right: auto;
  position: relative;
}

/* CTA band button — amber bg, white text */
.cta-band .btn-amber,
.cta-band .btn-cta-amber {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--amber);
  color: var(--white);
  font-size: 17px;
  font-weight: 700;
  padding: 16px 36px;
  border-radius: 100px;
  text-decoration: none;
  transition: all 0.2s;
  box-shadow: 0 4px 16px rgba(217,119,6,0.35);
  position: relative;
}

.cta-band .btn-amber:hover,
.cta-band .btn-cta-amber:hover {
  background: var(--amber2);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(217,119,6,0.45);
}

/* ============================================================
   SPLIT SECTIONS (image + text side by side)
   ============================================================ */
.split-section { padding: 96px 24px; }
.split-section.bg-soft { background: var(--offwhite); }
.split-section.bg-white { background: var(--white); }

.split-inner {
  max-width: 1060px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}

.split-inner.reverse { direction: rtl; }
.split-inner.reverse > * { direction: ltr; }

.split-image {
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-xl);
  aspect-ratio: 4/3;
}

.split-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}

.split-image:hover img { transform: scale(1.04); }

.split-content .section-label { display: block; margin-bottom: 10px; }

.split-content h2 {
  font-size: clamp(26px, 3vw, 36px);
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.7px;
  line-height: 1.15;
  margin-bottom: 14px;
}

.split-content .highlight { color: var(--green); }
.split-content .amber-text { color: var(--amber); }

/* Body paragraphs on white/light bg — gray-700 */
.split-content p {
  font-size: 16px;
  color: var(--gray-700);
  line-height: 1.75;
  margin-bottom: 20px;
}

.check-list {
  list-style: none;
  margin-bottom: 28px;
}

.check-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 15px;
  font-weight: 500;
  color: var(--text2);
  padding: 6px 0;
}

.check-list li::before {
  content: '✓';
  color: var(--green);
  font-weight: 800;
  font-size: 15px;
  flex-shrink: 0;
  margin-top: 1px;
}

/* Button variants */
.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--navy);
  color: var(--white);
  font-size: 15px;
  font-weight: 700;
  padding: 14px 28px;
  border-radius: 100px;
  text-decoration: none;
  transition: all 0.2s;
}

.btn-primary:hover {
  background: var(--navy2);
  transform: translateY(-2px);
  box-shadow: var(--shadow);
}

/* Amber CTA button (replaces btn-gold) */
.btn-amber {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--amber);
  color: var(--white);
  font-size: 15px;
  font-weight: 700;
  padding: 14px 28px;
  border-radius: 100px;
  text-decoration: none;
  transition: all 0.2s;
  box-shadow: 0 4px 16px rgba(217,119,6,0.30);
}

.btn-amber:hover {
  background: var(--amber2);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(217,119,6,0.40);
}

/* Legacy alias — btn-gold now maps to amber */
.btn-gold {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--amber);
  color: var(--white);
  font-size: 15px;
  font-weight: 700;
  padding: 14px 28px;
  border-radius: 100px;
  text-decoration: none;
  transition: all 0.2s;
  box-shadow: 0 4px 16px rgba(217,119,6,0.30);
}

.btn-gold:hover {
  background: var(--amber2);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(217,119,6,0.40);
}

/* ============================================================
   LOAN CARDS (index hub)
   ============================================================ */
.loan-cards-section {
  padding: 96px 24px;
  background: var(--offwhite);
}

.loan-cards-grid {
  max-width: 1080px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}

.loan-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow);
  display: flex;
  flex-direction: column;
  text-decoration: none;
  color: inherit;
  transition: transform 0.25s, box-shadow 0.25s;
}

.loan-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-xl);
}

.loan-card-photo {
  height: 220px;
  overflow: hidden;
  position: relative;
}

.loan-card-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}

.loan-card:hover .loan-card-photo img { transform: scale(1.06); }

.loan-card-photo-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to bottom, rgba(15,37,71,0.15) 0%, rgba(15,37,71,0.65) 100%);
  display: flex;
  align-items: flex-end;
  padding: 16px 20px;
}

.loan-card-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(217,119,6,0.90);
  color: var(--white);
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.7px;
  padding: 5px 12px;
  border-radius: 100px;
}

.loan-card-body {
  padding: 28px;
  flex: 1;
  display: flex;
  flex-direction: column;
}

.loan-card h3 {
  font-size: 22px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 10px;
  letter-spacing: -0.4px;
  line-height: 1.2;
}

.loan-card p {
  font-size: 15px;
  color: var(--gray-700);
  line-height: 1.65;
  margin-bottom: 20px;
  flex: 1;
}

.loan-card-benefits {
  list-style: none;
  margin-bottom: 24px;
}

.loan-card-benefits li {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 600;
  color: var(--text2);
  padding: 5px 0;
}

.loan-card-benefits li::before {
  content: '✓';
  color: var(--green);
  font-weight: 800;
  font-size: 14px;
}

/* Card CTA — teal bg, white text */
.loan-card-cta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 20px;
  background: var(--teal);
  color: var(--white);
  border-radius: var(--radius);
  font-size: 15px;
  font-weight: 700;
  margin-top: auto;
  transition: background 0.2s;
}

.loan-card:hover .loan-card-cta { background: var(--teal2); }
.loan-card-cta i { color: rgba(255,255,255,0.80); }

/* ============================================================
   FEATURE CARDS (3-col dark)
   ============================================================ */
.features-section {
  padding: 96px 24px;
  background: var(--white);
}

.features-grid {
  max-width: 960px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.feature-card {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  text-align: center;
  transition: transform 0.25s;
}

.feature-card:hover { transform: translateY(-4px); }

.feature-icon {
  font-size: 36px;
  color: var(--amber);
  margin-bottom: 16px;
}

.feature-card h3 {
  font-size: 20px;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 10px;
  letter-spacing: -0.3px;
}

.feature-card p {
  font-size: 14px;
  color: rgba(255,255,255,0.80);
  line-height: 1.65;
}

/* ============================================================
   COMPARISON TABLE
   ============================================================ */
.comparison-table {
  max-width: 720px;
  margin: 48px auto 0;
  background: var(--offwhite);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
}

.comp-header {
  background: var(--navy);
  padding: 16px 24px;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  text-align: center;
}

.comp-header span:first-child { text-align: left; }

.comp-row {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  padding: 14px 24px;
  align-items: center;
  border-bottom: 1px solid var(--gray-200);
}

.comp-row:last-child { border-bottom: none; }
.comp-row:nth-child(even) { background: var(--white); }

.comp-label {
  font-size: 14px;
  font-weight: 600;
  color: var(--text);
}

.comp-yes {
  text-align: center;
  color: var(--green);
  font-weight: 800;
  font-size: 14px;
}

.comp-no {
  text-align: center;
  color: var(--gray-500);
  font-size: 13px;
}

/* ============================================================
   URGENCY STRIP
   ============================================================ */
.urgency-strip {
  background: var(--teal);
  padding: 11px 24px;
  text-align: center;
  font-size: 14px;
  font-weight: 700;
  color: var(--white);
}

.urgency-strip a {
  color: var(--white);
  text-decoration: underline;
  font-weight: 800;
}

/* ============================================================
   HUB HERO (index-specific — centered, no form card)
   ============================================================ */
.hub-hero {
  position: relative;
  min-height: 580px;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  overflow: hidden;
}

.hub-hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(rgba(15,37,71,0.88), rgba(15,37,71,0.78));
}

.hub-hero-content {
  position: relative;
  z-index: 2;
  max-width: 760px;
  padding: 100px 24px 80px;
}

.hub-hero h1 {
  font-size: clamp(36px, 5vw, 62px);
  font-weight: 900;
  color: var(--white);
  letter-spacing: -2px;
  line-height: 1.06;
  margin-bottom: 18px;
}

.hub-hero h1 .amber-text { color: var(--amber); }

.hub-hero p {
  font-size: 19px;
  color: rgba(255,255,255,0.90);
  max-width: 580px;
  margin: 0 auto 40px;
  line-height: 1.65;
}

.hub-hero .hero-trust {
  justify-content: center;
  margin-bottom: 36px;
}

.hub-hero .hero-eyebrow { display: inline-flex; }

/* Hero stat rows (used on form pages) */
.hero-stat-row { display: flex; gap: 32px; margin-top: 32px; flex-wrap: wrap; }
.hero-stat-item { display: flex; flex-direction: column; gap: 2px; }
.hero-stat-val { font-size: 28px; font-weight: 900; color: var(--white); line-height: 1; }
.hero-stat-val em,
.hero-stat-val span { color: var(--amber); font-style: normal; }
.hero-stat-lbl { font-size: 12px; color: rgba(255,255,255,0.70); font-weight: 600; margin-top: 4px; text-transform: uppercase; letter-spacing: 0.6px; }
.hero-stat-div,
.hero-stat-divider { width: 1px; background: rgba(255,255,255,0.20); align-self: stretch; }

/* Hero stats (refi-specific) */
.hero-stats { display: flex; gap: 28px; margin: 28px 0; flex-wrap: wrap; }
.hero-stat { display: flex; flex-direction: column; gap: 2px; }
.hero-stat-val2 { font-size: 28px; font-weight: 900; color: var(--white); line-height: 1; }
.hero-stat-val2 span { color: var(--amber); }
.hero-stat-lbl2 { font-size: 12px; color: rgba(255,255,255,0.70); text-transform: uppercase; letter-spacing: 0.6px; font-weight: 600; }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: var(--navy);
  color: rgba(255,255,255,0.80);
}

.footer-inner {
  max-width: 1100px;
  margin: 0 auto;
  padding: 64px 24px 32px;
}

.footer-top {
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 64px;
  margin-bottom: 40px;
}

.footer-brand p {
  font-size: 14px;
  line-height: 1.65;
  max-width: 280px;
  margin-top: 12px;
  color: rgba(255,255,255,0.60);
}

.footer-brand .logo-text { color: var(--white); }
.footer-brand .logo-text span { color: var(--teal); }

.footer-links {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.footer-col h4 {
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: rgba(255,255,255,0.50);
  margin-bottom: 16px;
}

.footer-col a {
  display: block;
  font-size: 14px;
  color: rgba(255,255,255,0.70);
  margin-bottom: 10px;
  text-decoration: none;
  transition: color 0.2s;
}

.footer-col a:hover { color: var(--amber); }

.footer-divider {
  border: none;
  border-top: 1px solid rgba(255,255,255,0.10);
  margin: 0 0 24px;
}

.footer-legal {
  font-size: 12px;
  color: rgba(255,255,255,0.45);
  line-height: 1.65;
}

.footer-legal a { color: rgba(255,255,255,0.60); text-decoration: underline; }
.footer-legal a:hover { color: var(--amber); }

/* ============================================================
   MISC UTILITY
   ============================================================ */
.text-amber { color: var(--amber); }
.text-teal  { color: var(--teal); }
.text-green { color: var(--green); }
.text-navy  { color: var(--navy); }
.text-white { color: var(--white); }

.bg-navy   { background: var(--navy); }
.bg-soft   { background: var(--offwhite); }

.pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 5px 14px;
  border-radius: 100px;
  font-size: 12px;
  font-weight: 700;
}

.pill-green {
  background: var(--green-light);
  color: var(--green2);
}

.pill-navy {
  background: rgba(15,37,71,0.10);
  color: var(--navy);
}

/* Savings tag (refi page) */
.savings-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--green-light);
  border: 1px solid rgba(21,128,61,0.30);
  color: var(--green2);
  font-size: 13px;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: 100px;
  margin-bottom: 12px;
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .hero-inner {
    grid-template-columns: 1fr;
    max-width: 700px;
    text-align: center;
  }
  .hero-trust { justify-content: center; }
  .hero-stat-row { justify-content: center; }
  .hero-stats { justify-content: center; }
  .loan-cards-grid { gap: 20px; }
}

@media (max-width: 860px) {
  .hero-inner { grid-template-columns: 1fr; padding: 80px 24px 60px; }
  .loan-cards-grid { grid-template-columns: 1fr; max-width: 520px; }
  .steps-grid { grid-template-columns: 1fr; max-width: 480px; margin: 0 auto; }
  .testimonials-grid { grid-template-columns: 1fr; max-width: 480px; margin: 0 auto; }
  .features-grid { grid-template-columns: 1fr; max-width: 400px; margin: 0 auto; }
  .split-inner { grid-template-columns: 1fr; gap: 40px; }
  .split-inner.reverse { direction: ltr; }
  .stats-inner { grid-template-columns: repeat(2, 1fr); }
  .footer-top { grid-template-columns: 1fr; gap: 40px; }
  .footer-links { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 640px) {
  .site-header { padding: 0 16px; }
  .logo-text { font-size: 19px; }
  .header-phone { display: none; }
  .option-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .stats-inner { grid-template-columns: 1fr 1fr; gap: 16px; }
  .trust-strip-inner { gap: 12px 20px; }
  .footer-links { grid-template-columns: 1fr; }
  .hub-hero h1 { letter-spacing: -1px; }
}

@media (max-width: 480px) {
  .form-steps { padding: 20px; }
  .progress-bar-wrap { padding: 14px 20px 0; }
  .form-card-header { padding: 18px 20px; }
  .step-label { display: none; }
}