/* ── Reset & base ─────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:    #1a2e4a;
  --navy-dk: #0f1d30;
  --accent:  #1d6fa4;
  --accent-h:#155d8a;
  --gold:    #c8973a;
  --gray-1:  #f7f8fa;
  --gray-2:  #eef0f3;
  --gray-3:  #d1d5dc;
  --gray-5:  #6b7280;
  --gray-7:  #374151;
  --text:    #1f2937;
  --white:   #ffffff;
  --green:   #16a34a;
  --red:     #dc2626;
  --radius:  6px;
  --shadow:  0 2px 12px rgba(0,0,0,.10);
  --shadow-md: 0 4px 24px rgba(0,0,0,.13);
  --max:     1160px;
  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.65;
  color: var(--text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

a { color: var(--accent); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; display: block; }

/* ── Typography ───────────────────────────────────────────────── */
h1 { font-size: clamp(1.75rem, 4vw, 2.6rem); font-weight: 700; line-height: 1.2; color: var(--navy-dk); }
h2 { font-size: clamp(1.4rem, 3vw, 2rem);   font-weight: 700; line-height: 1.25; color: var(--navy-dk); }
h3 { font-size: clamp(1.1rem, 2vw, 1.35rem); font-weight: 600; line-height: 1.3; color: var(--navy-dk); }
p  { margin-bottom: 1rem; }

/* ── Layout helpers ───────────────────────────────────────────── */
.container { max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.section    { padding: 48px 0; }
.section--gray { background: var(--gray-1); }
.section--navy { background: var(--navy-dk); color: var(--white); }
.section--navy h2, .section--navy h3 { color: var(--white); }
@media (max-width: 639px) {
  .section { padding: 36px 0; }
}

/* ── Buttons ──────────────────────────────────────────────────── */
.btn {
  display: inline-block;
  padding: 14px 28px;
  border-radius: var(--radius);
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  border: none;
  transition: background .18s, transform .12s;
  text-align: center;
  line-height: 1.2;
}
.btn:hover { text-decoration: none; transform: translateY(-1px); }
.btn:active { transform: translateY(0); }

.btn-primary { background: var(--accent); color: var(--white); }
.btn-primary:hover { background: var(--accent-h); color: var(--white); }

.btn-gold { background: var(--gold); color: var(--white); }
.btn-gold:hover { background: #b07e2e; color: var(--white); }

.btn-lg { padding: 16px 36px; font-size: 1.1rem; }
.btn-full { width: 100%; display: block; }

/* ── Announcement bar ─────────────────────────────────────────── */
#announcement-bar {
  background: var(--navy-dk);
  color: var(--gray-3);
  text-align: center;
  font-size: .85rem;
  padding: 9px 20px;
  line-height: 1.4;
}
#announcement-bar strong { color: var(--white); }

/* ── Header ───────────────────────────────────────────────────── */
header {
  background: var(--white);
  border-bottom: 1px solid var(--gray-2);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: var(--shadow);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px 16px;
  max-width: var(--max);
  margin: 0 auto;
  gap: 12px;
}
.logo {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--navy-dk);
  letter-spacing: -.5px;
  white-space: nowrap;
  flex-shrink: 0;
}
.logo span { color: var(--accent); }
.header-right {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}
.header-phone {
  font-size: .9rem;
  font-weight: 600;
  color: var(--navy-dk);
  white-space: nowrap;
}
.header-phone a { color: inherit; }
/* Hide header CTA on small screens — sticky bottom bar handles it */
.header-right .btn { display: none; }
nav { display: none; }
@media (min-width: 768px) {
  nav { display: flex; gap: 24px; }
  nav a { font-size: .9rem; font-weight: 500; color: var(--gray-7); }
  nav a:hover { color: var(--accent); text-decoration: none; }
  .header-right .btn { display: inline-block; }
  .header-inner { padding: 14px 20px; }
  .logo { font-size: 1.25rem; }
}

/* ── Hero ─────────────────────────────────────────────────────── */
#hero {
  background: linear-gradient(135deg, var(--navy-dk) 0%, #1e3a5f 100%);
  color: var(--white);
  padding: 40px 0 48px;
}
#hero h1 { color: var(--white); }
#hero .hero-sub {
  font-size: 1.05rem;
  color: #b8cce0;
  margin: 14px 0 20px;
  max-width: 580px;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
  align-items: start;
}
@media (min-width: 900px) {
  .hero-grid { grid-template-columns: 1fr 420px; gap: 48px; }
  #hero { padding: 56px 0 64px; }
}

.hero-bullets {
  list-style: none;
  margin: 0 0 28px;
}
.hero-bullets li {
  padding: 6px 0 6px 28px;
  position: relative;
  color: #cfe0f0;
  font-size: .97rem;
}
.hero-bullets li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--gold);
  font-weight: 700;
}
.hero-trust {
  font-size: .85rem;
  color: #8aaac8;
  margin-top: 10px;
}

/* ── Form card ────────────────────────────────────────────────── */
.form-card {
  background: var(--white);
  border-radius: 10px;
  box-shadow: var(--shadow-md);
  padding: 32px 28px;
  color: var(--text);
}
.form-card h3 { color: var(--navy-dk); margin-bottom: 6px; font-size: 1.15rem; }
.form-card .form-sub { font-size: .87rem; color: var(--gray-5); margin-bottom: 20px; }

/* Multi-step progress */
.step-progress {
  display: flex;
  gap: 6px;
  margin-bottom: 20px;
}
.step-dot {
  height: 4px;
  flex: 1;
  background: var(--gray-2);
  border-radius: 2px;
  transition: background .25s;
}
.step-dot.active { background: var(--accent); }
.step-dot.done   { background: var(--green); }

.step-label {
  font-size: .78rem;
  color: var(--gray-5);
  margin-bottom: 14px;
  font-weight: 500;
}

/* Form fields */
.form-step { display: none; }
.form-step.active { display: block; }

.field { margin-bottom: 14px; }
.field label {
  display: block;
  font-size: .82rem;
  font-weight: 600;
  color: var(--gray-7);
  margin-bottom: 5px;
}
.field input,
.field select {
  width: 100%;
  padding: 10px 12px;
  border: 1.5px solid var(--gray-3);
  border-radius: var(--radius);
  font-size: .95rem;
  font-family: var(--font);
  color: var(--text);
  background: var(--white);
  transition: border-color .15s;
  -webkit-appearance: none;
  appearance: none;
}
.field input:focus,
.field select:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(29,111,164,.12);
}
.field input.error,
.field select.error { border-color: var(--red); }
.field .field-error { font-size: .78rem; color: var(--red); margin-top: 4px; display: none; }

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

/* Radio group */
.radio-group { display: flex; flex-wrap: wrap; gap: 8px; }
.radio-btn {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 7px 12px;
  border: 1.5px solid var(--gray-3);
  border-radius: var(--radius);
  cursor: pointer;
  font-size: .88rem;
  transition: all .15s;
  color: var(--gray-7);
  user-select: none;
}
.radio-btn input { display: none; }
.radio-btn.selected {
  border-color: var(--accent);
  background: rgba(29,111,164,.06);
  color: var(--accent);
  font-weight: 600;
}

/* Consent */
.consent-box {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin: 14px 0 10px;
  font-size: .78rem;
  color: var(--gray-5);
  line-height: 1.4;
}
.consent-box input[type="checkbox"] {
  width: 16px;
  height: 16px;
  margin-top: 2px;
  flex-shrink: 0;
  accent-color: var(--accent);
}

.form-microcopy {
  font-size: .75rem;
  color: var(--gray-5);
  text-align: center;
  margin-top: 8px;
  line-height: 1.4;
}

.btn-step-prev {
  background: none;
  border: none;
  color: var(--gray-5);
  font-size: .85rem;
  cursor: pointer;
  padding: 6px 0;
  margin-bottom: 8px;
  display: inline-flex;
  align-items: center;
  gap: 4px;
}
.btn-step-prev:hover { color: var(--accent); }

/* ── Problem section ──────────────────────────────────────────── */
.problem-bullets { list-style: none; margin: 20px 0; }
.problem-bullets li {
  padding: 7px 0 7px 28px;
  position: relative;
  border-bottom: 1px solid var(--gray-2);
  font-size: .97rem;
}
.problem-bullets li:last-child { border-bottom: none; }
.problem-bullets li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--accent);
  font-weight: 700;
}
.transition-line {
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--navy-dk);
  border-left: 4px solid var(--gold);
  padding-left: 16px;
  margin-top: 24px;
}

/* ── Stat cards ───────────────────────────────────────────────── */
.stat-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 16px;
  margin: 24px 0 16px;
}
@media (max-width: 639px) {
  .stat-grid { grid-template-columns: 1fr; gap: 12px; margin: 20px 0 12px; }
}
.stat-card {
  background: var(--white);
  border: 1px solid var(--gray-2);
  border-radius: 8px;
  padding: 28px 24px;
  text-align: center;
  box-shadow: var(--shadow);
}
.stat-card .stat-num {
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--accent);
  line-height: 1;
  margin-bottom: 8px;
}
.stat-card .stat-label { font-size: .88rem; color: var(--gray-5); line-height: 1.4; }
.stat-source { font-size: .75rem; color: var(--gray-5); margin-top: 8px; font-style: italic; }

/* ── Solution bullets ─────────────────────────────────────────── */
.solution-bullets { list-style: none; margin: 20px 0 28px; }
.solution-bullets li {
  padding: 8px 0 8px 30px;
  position: relative;
  font-size: .97rem;
  border-bottom: 1px solid var(--gray-2);
}
.solution-bullets li:last-child { border-bottom: none; }
.solution-bullets li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--green);
  font-weight: 700;
  font-size: 1.05rem;
}

/* ── Who it's for ─────────────────────────────────────────────── */
.who-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
  margin-top: 32px;
}
@media (min-width: 640px) {
  .who-grid { grid-template-columns: 1fr 1fr; }
}
.who-card {
  border-radius: 8px;
  padding: 28px 24px;
}
.who-card.yes { background: #f0faf4; border: 1px solid #bbf0cd; }
.who-card.no  { background: #fdf4f4; border: 1px solid #fccfcf; }
.who-card h3  { margin-bottom: 16px; }
.who-card.yes h3 { color: var(--green); }
.who-card.no  h3 { color: var(--red); }
.who-list { list-style: none; }
.who-list li {
  padding: 6px 0 6px 26px;
  position: relative;
  font-size: .93rem;
  border-bottom: 1px solid rgba(0,0,0,.06);
}
.who-list li:last-child { border-bottom: none; }
.who-list li::before { position: absolute; left: 0; font-weight: 700; }
.who-card.yes .who-list li::before { content: '✓'; color: var(--green); }
.who-card.no  .who-list li::before { content: '✕'; color: var(--red); }

/* ── How it works ─────────────────────────────────────────────── */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 24px;
  margin-top: 36px;
}
.step-card {
  text-align: center;
  padding: 28px 20px;
  background: var(--white);
  border: 1px solid var(--gray-2);
  border-radius: 8px;
  box-shadow: var(--shadow);
}
.step-num {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--accent);
  color: var(--white);
  font-size: 1.1rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}
.step-card h3 { margin-bottom: 10px; font-size: 1rem; }
.step-card p  { font-size: .9rem; color: var(--gray-5); margin: 0; }

/* ── Trust section ────────────────────────────────────────────── */
.trust-bullets { list-style: none; margin: 20px 0; }
.trust-bullets li {
  padding: 8px 0 8px 28px;
  position: relative;
  font-size: .97rem;
  border-bottom: 1px solid var(--gray-2);
}
.trust-bullets li:last-child { border-bottom: none; }
.trust-bullets li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--accent);
  font-weight: 700;
}

.transparency-box {
  background: #fffbf0;
  border: 1px solid #e8d5a3;
  border-left: 4px solid var(--gold);
  border-radius: 6px;
  padding: 20px 24px;
  margin-top: 28px;
}
.transparency-box strong { color: var(--navy-dk); display: block; margin-bottom: 8px; }
.transparency-box p { font-size: .92rem; color: var(--gray-7); margin: 0; }

/* ── Example economics table ──────────────────────────────────── */
.example-table {
  width: 100%;
  border-collapse: collapse;
  margin: 20px 0;
  font-size: .95rem;
}
.example-table th {
  background: var(--navy-dk);
  color: var(--white);
  padding: 12px 16px;
  text-align: left;
  font-weight: 600;
}
.example-table td {
  padding: 11px 16px;
  border-bottom: 1px solid var(--gray-2);
}
.example-table tr:last-child td { border-bottom: none; font-weight: 700; }
.example-note {
  font-size: .82rem;
  color: var(--gray-5);
  font-style: italic;
  margin-top: 12px;
  line-height: 1.5;
}

/* ── FAQ accordion ────────────────────────────────────────────── */
.faq-list { margin-top: 28px; }
.faq-item {
  border-bottom: 1px solid var(--gray-2);
}
.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 18px 0;
  cursor: pointer;
  font-weight: 600;
  font-size: .97rem;
  color: var(--navy-dk);
  gap: 12px;
}
.faq-question:hover { color: var(--accent); }
.faq-icon {
  font-size: 1.3rem;
  font-weight: 300;
  flex-shrink: 0;
  color: var(--accent);
  transition: transform .2s;
}
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-answer {
  font-size: .93rem;
  color: var(--gray-7);
  line-height: 1.7;
  max-height: 0;
  overflow: hidden;
  transition: max-height .3s ease, padding .3s;
  padding: 0;
}
.faq-item.open .faq-answer {
  max-height: 400px;
  padding-bottom: 18px;
}

/* ── Final CTA ────────────────────────────────────────────────── */
#final-cta {
  background: linear-gradient(135deg, var(--navy-dk) 0%, #1e3a5f 100%);
  color: var(--white);
  text-align: center;
  padding: 72px 20px;
}
#final-cta h2 { color: var(--white); margin-bottom: 16px; }
#final-cta p  { color: #b8cce0; max-width: 560px; margin: 0 auto 28px; }
.final-trust  { font-size: .83rem; color: #7a9db8; margin-top: 12px; }

/* ── Footer ───────────────────────────────────────────────────── */
footer {
  background: var(--navy-dk);
  color: #6b7f96;
  padding: 36px 20px;
  font-size: .8rem;
  line-height: 1.7;
}
footer .container { max-width: var(--max); margin: 0 auto; }
.footer-logo { color: var(--white); font-weight: 700; margin-bottom: 12px; font-size: .95rem; }

/* ── Sticky mobile CTA ────────────────────────────────────────── */
#sticky-cta {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: var(--navy-dk);
  border-top: 2px solid var(--accent);
  padding: 10px 16px;
  z-index: 200;
  display: none;
}
#sticky-cta .btn { width: 100%; font-size: .95rem; padding: 13px 20px; }
@media (max-width: 899px) { #sticky-cta { display: block; } }
@media (min-width: 900px) { #sticky-cta { display: none !important; } }

/* ── Form success ─────────────────────────────────────────────── */
.form-success {
  text-align: center;
  padding: 24px 8px;
  display: none;
}
.form-success .check-circle {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--green);
  color: var(--white);
  font-size: 1.8rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}
.form-success h3 { color: var(--green); margin-bottom: 8px; }
.form-success p  { font-size: .9rem; color: var(--gray-5); }

/* ── Spinner ──────────────────────────────────────────────────── */
.spinner {
  display: inline-block;
  width: 18px; height: 18px;
  border: 2px solid rgba(255,255,255,.3);
  border-top-color: var(--white);
  border-radius: 50%;
  animation: spin .6s linear infinite;
  vertical-align: middle;
  margin-right: 6px;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* ── Utility ──────────────────────────────────────────────────── */
.text-center { text-align: center; }
.mb-0 { margin-bottom: 0; }
.mb-4 { margin-bottom: 4px; }
.mb-8 { margin-bottom: 8px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }
.mt-8  { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }

@media (max-width: 639px) {
  .field-row { grid-template-columns: 1fr; }
  .form-card { padding: 22px 16px; }
  body { padding-bottom: 60px; }

  /* Tighten hero bullets on mobile */
  .hero-bullets li { padding: 5px 0 5px 26px; font-size: .93rem; }

  /* Steps grid single column on small mobile */
  .steps-grid { grid-template-columns: 1fr; gap: 14px; margin-top: 24px; }

  /* Who-grid already stacks; tighten padding */
  .who-card { padding: 22px 18px; }

  /* Tighten trust / problem bullets */
  .problem-bullets li,
  .trust-bullets li,
  .solution-bullets li { padding-top: 6px; padding-bottom: 6px; }

  /* Final CTA section */
  #final-cta { padding: 48px 20px; }

  /* Example table scroll on very small screens */
  .example-table { font-size: .88rem; }
  .example-table th, .example-table td { padding: 9px 12px; }

  /* Stat card numbers slightly smaller */
  .stat-card .stat-num { font-size: 2rem; }

  /* Announcement bar — tighten */
  #announcement-bar { font-size: .8rem; padding: 8px 16px; }
}