:root {
    --color-primary: #1e3a5f;
    --color-primary-light: #2a5280;
    --color-secondary: #2563eb;
    --color-accent: #f59e0b;
    --color-accent-hover: #d97706;
    --color-bg: #f8fafc;
    --color-bg-alt: #f1f5f9;
    --color-white: #ffffff;
    --color-dark: #0f172a;
    --color-text: #334155;
    --color-text-muted: #64748b;
    --color-text-light: #94a3b8;
    --color-border: #e2e8f0;
    --color-success: #059669;
    --color-error: #dc2626;
    --color-positive: #059669;
    --color-negative: #dc2626;
    --font-display: 'Playfair Display', Georgia, serif;
    --font-body: 'DM Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    --shadow-xs: 0 1px 2px rgba(15, 23, 42, 0.05);
    --shadow-sm: 0 1px 3px rgba(15, 23, 42, 0.08), 0 1px 2px rgba(15, 23, 42, 0.06);
    --shadow-md: 0 4px 6px rgba(15, 23, 42, 0.05), 0 10px 15px rgba(15, 23, 42, 0.08);
    --shadow-lg: 0 10px 25px rgba(15, 23, 42, 0.08), 0 20px 48px rgba(15, 23, 42, 0.06);
    --shadow-xl: 0 20px 50px rgba(15, 23, 42, 0.12);
    --radius: 10px;
    --radius-lg: 16px;
    --radius-xl: 24px;
}

*, *::before, *::after {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

body {
    font-family: var(--font-body);
    color: var(--color-text);
    background: var(--color-bg);
    line-height: 1.65;
    overflow-x: hidden;
}

.container {
    max-width: 1180px;
    margin: 0 auto;
    padding: 0 24px;
}

/* ============================================
   HEADER
   ============================================ */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(255, 255, 255, 0.97);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    border-bottom: 1px solid var(--color-border);
    transition: box-shadow 0.3s ease;
}

.header.scrolled {
    box-shadow: var(--shadow-md);
}

.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 72px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    text-decoration: none;
    transition: opacity 0.2s;
}

.logo:hover {
    opacity: 0.85;
}

.logo-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 40px;
    height: 40px;
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-secondary) 100%);
    border-radius: 10px;
    flex-shrink: 0;
}

.logo-icon svg {
    width: 22px;
    height: 22px;
    fill: none;
    stroke: white;
    stroke-width: 2;
    stroke-linecap: round;
    stroke-linejoin: round;
}

/* Same typeface as .hero-title (first block on index) */
.logo-text {
    font-family: var(--font-display);
    font-size: 1.15rem;
    font-weight: 700;
    line-height: 1.2;
    color: var(--color-dark);
    letter-spacing: -0.02em;
}

/* Skip link: first Tab stop, visible on focus */
.skip-link {
    position: absolute;
    left: -9999px;
    top: 0;
    z-index: 10001;
    padding: 12px 20px;
    background: var(--color-dark);
    color: var(--color-white);
    font-family: var(--font-body);
    font-size: 0.9375rem;
    font-weight: 600;
    text-decoration: none;
    border-radius: 0 0 var(--radius) 0;
    box-shadow: var(--shadow-md);
}

.skip-link:focus {
    left: 0;
    outline: 2px solid var(--color-secondary);
    outline-offset: 2px;
}

#main-content {
    scroll-margin-top: 88px;
}

.nav {
    display: flex;
    align-items: center;
    gap: 32px;
}

.nav a {
    color: var(--color-text);
    text-decoration: none;
    font-weight: 500;
    font-size: 0.925rem;
    transition: color 0.2s;
}

.nav a:not(.header-cta):hover {
    color: var(--color-secondary);
}

.header-cta {
    display: inline-flex;
    align-items: center;
    padding: 10px 24px;
    font-size: 0.925rem;
    font-weight: 600;
    color: var(--color-white) !important;
    background: var(--color-secondary);
    border-radius: 8px;
    text-decoration: none;
    transition: all 0.2s;
    box-shadow: 0 1px 3px rgba(37, 99, 235, 0.3);
}

.header-cta:hover {
    background: #1d4ed8;
    transform: translateY(-1px);
    box-shadow: 0 4px 12px rgba(37, 99, 235, 0.35);
}

.mobile-menu-btn {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
}

.mobile-menu-btn span {
    width: 22px;
    height: 2px;
    background: var(--color-dark);
    border-radius: 2px;
    transition: all 0.3s;
}

/* ============================================
   BUTTONS
   ============================================ */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 14px 28px;
    font-family: var(--font-body);
    font-size: 1rem;
    font-weight: 600;
    text-decoration: none;
    border-radius: var(--radius);
    transition: all 0.2s ease;
    cursor: pointer;
    border: none;
    line-height: 1.4;
}

.btn-primary {
    background: var(--color-accent);
    color: var(--color-dark);
    box-shadow: 0 1px 3px rgba(245, 158, 11, 0.3);
}

.btn-primary:hover {
    background: var(--color-accent-hover);
    color: var(--color-dark);
    transform: translateY(-2px);
    box-shadow: 0 4px 14px rgba(245, 158, 11, 0.35);
}

.btn-next {
    background: var(--color-secondary);
    color: var(--color-white);
    box-shadow: 0 1px 3px rgba(37, 99, 235, 0.3);
}

.btn-next:hover {
    background: #1d4ed8;
    color: var(--color-white);
    transform: translateY(-2px);
    box-shadow: 0 4px 14px rgba(37, 99, 235, 0.35);
}

.btn-outline {
    background: transparent;
    color: var(--color-secondary);
    border: 2px solid var(--color-secondary);
}

.btn-outline:hover {
    background: rgba(37, 99, 235, 0.06);
}

.btn-lg {
    padding: 16px 40px;
    font-size: 1.1rem;
}

.btn-block {
    width: 100%;
}

/* ============================================
   HERO
   ============================================ */
.hero {
    position: relative;
    padding: 130px 0 80px;
    overflow: hidden;
    min-height: calc(100vh - 72px);
    display: flex;
    align-items: center;
}

.hero-bg {
    position: absolute;
    inset: 0;
    background:
        radial-gradient(ellipse at 20% 50%, rgba(37, 99, 235, 0.06) 0%, transparent 60%),
        radial-gradient(ellipse at 80% 20%, rgba(245, 158, 11, 0.04) 0%, transparent 50%),
        linear-gradient(180deg, var(--color-white) 0%, var(--color-bg) 100%);
    z-index: 0;
}

.hero .container {
    position: relative;
    z-index: 1;
    width: 100%;
}

.hero-grid {
    display: grid;
    grid-template-columns: 1fr 520px;
    gap: 60px;
    align-items: center;
}

.hero-content {
    text-align: left;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 8px 18px;
    background: rgba(37, 99, 235, 0.08);
    color: var(--color-secondary);
    font-size: 0.8rem;
    font-weight: 600;
    border-radius: 50px;
    margin-bottom: 24px;
    text-transform: uppercase;
    letter-spacing: 0.6px;
    border: 1px solid rgba(37, 99, 235, 0.12);
}

.hero-title {
    font-family: var(--font-display);
    font-size: clamp(2rem, 3.8vw, 2.85rem);
    font-weight: 700;
    color: var(--color-dark);
    line-height: 1.2;
    margin-bottom: 20px;
    letter-spacing: -0.02em;
}

.hero-title .highlight {
    color: var(--color-secondary);
}

.hero-subtitle {
    font-size: 1.1rem;
    color: var(--color-text-muted);
    margin-bottom: 28px;
    line-height: 1.7;
    max-width: 520px;
}

.hero-stats {
    display: flex;
    gap: 40px;
    margin-top: 32px;
}

.hero-stat {
    display: flex;
    flex-direction: column;
}

.hero-stat-number {
    font-family: var(--font-display);
    font-size: 2rem;
    font-weight: 700;
    color: var(--color-dark);
    line-height: 1.2;
}

.hero-stat-label {
    font-size: 0.85rem;
    color: var(--color-text-muted);
    margin-top: 2px;
}

.hero-form-wrapper {
    display: flex;
    justify-content: flex-end;
}

.hero-form-wrapper .form-card {
    margin: 0;
    max-width: 100%;
}

/* ============================================
   FORM CARD
   ============================================ */
.form-card {
    max-width: 100%;
    margin: 0;
    padding: 36px 32px;
    border-radius: var(--radius-xl);
    background: var(--color-white);
    box-shadow: var(--shadow-lg);
    border: 1px solid var(--color-border);
    position: relative;
    overflow: hidden;
}

.form-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--color-secondary) 0%, var(--color-accent) 100%);
}

.form-header {
    text-align: center;
    margin-bottom: 24px;
}

.form-header h2 {
    font-family: var(--font-display);
    font-size: 1.35rem;
    font-weight: 700;
    color: var(--color-dark);
    margin-bottom: 6px;
}

.form-header p {
    font-size: 0.875rem;
    color: var(--color-text-muted);
}

.form-progress-wrap {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 8px;
    gap: 16px;
}

.form-progress-pct {
    font-size: 0.8rem;
    font-weight: 600;
    color: var(--color-text-muted);
}

.form-progress {
    font-size: 0.8rem;
    font-weight: 600;
    color: var(--color-secondary);
    margin: 0;
}

.form-progress-bar {
    width: 100%;
    height: 4px;
    background: var(--color-bg-alt);
    border-radius: 4px;
    margin-bottom: 24px;
    overflow: hidden;
}

.form-progress-fill {
    height: 100%;
    background: linear-gradient(90deg, var(--color-secondary) 0%, var(--color-accent) 100%);
    border-radius: 4px;
    transition: width 0.4s ease;
    width: 0%;
}

.form-helper {
    display: block;
    font-size: 0.78rem;
    color: var(--color-text-light);
    margin-bottom: 6px;
}

.honeypot-wrap {
    position: absolute;
    left: -9999px;
    width: 1px;
    height: 1px;
    overflow: hidden;
    opacity: 0;
    pointer-events: none;
}

.form-step {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.form-step.form-step-hidden {
    display: none !important;
}

.form-step.form-step-visible {
    display: flex !important;
}

.form-step-buttons {
    display: grid;
    grid-template-columns: auto 1fr;
    gap: 12px;
    align-items: center;
}

.lead-form {
    display: flex;
    flex-direction: column;
    gap: 0;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}

.form-row-full {
    grid-template-columns: 1fr;
}

.form-field {
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.lead-form label {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--color-dark);
    margin-bottom: 2px;
}

.lead-form input,
.lead-form select {
    padding: 12px 14px;
    font-family: var(--font-body);
    font-size: 0.95rem;
    border: 1.5px solid var(--color-border);
    border-radius: 8px;
    background: var(--color-white);
    color: var(--color-dark);
    transition: all 0.2s;
}

.lead-form input:focus,
.lead-form select:focus {
    outline: none;
    border-color: var(--color-secondary);
    box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.1);
}

.lead-form input::placeholder {
    color: var(--color-text-light);
}

.lead-form input.error,
.lead-form select.error {
    border-color: var(--color-error);
    box-shadow: 0 0 0 3px rgba(220, 38, 38, 0.08);
}

.form-message {
    font-size: 0.875rem;
    padding: 12px 16px;
    border-radius: 8px;
    display: none;
    margin-top: 12px;
}

.form-message.visible {
    display: block;
}

.form-message.success {
    background: rgba(5, 150, 105, 0.08);
    color: var(--color-success);
    border: 1px solid rgba(5, 150, 105, 0.15);
}

.form-message.error {
    background: rgba(220, 38, 38, 0.06);
    color: var(--color-error);
    border: 1px solid rgba(220, 38, 38, 0.12);
}

.honeypot {
    position: absolute;
    left: -9999px;
    width: 1px;
    height: 1px;
    opacity: 0;
    pointer-events: none;
}

#leadSubmitFrame {
    position: absolute;
    width: 0;
    height: 0;
    border: none;
    visibility: hidden;
}

.form-secure {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    margin-top: 12px;
    font-size: 0.78rem;
    color: var(--color-text-light);
}

.form-secure svg {
    width: 14px;
    height: 14px;
    stroke: var(--color-text-light);
    fill: none;
    stroke-width: 2;
}

/* ============================================
   TRUST BADGES
   ============================================ */
.trust-badges {
    padding: 48px 0;
    background: var(--color-white);
    border-top: 1px solid var(--color-border);
    border-bottom: 1px solid var(--color-border);
}

.badges-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 32px;
    text-align: center;
}

.badge {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 10px;
}

.badge-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 48px;
    height: 48px;
    border-radius: 12px;
    background: rgba(37, 99, 235, 0.07);
}

.badge-icon svg {
    width: 24px;
    height: 24px;
    stroke: var(--color-secondary);
    fill: none;
    stroke-width: 2;
    stroke-linecap: round;
    stroke-linejoin: round;
}

.badge-label {
    font-size: 0.9rem;
    color: var(--color-text);
    font-weight: 600;
}

/* ============================================
   SECTION TITLES
   ============================================ */
.section-title {
    font-family: var(--font-display);
    font-size: clamp(1.75rem, 3vw, 2.25rem);
    font-weight: 700;
    color: var(--color-dark);
    text-align: center;
    margin-bottom: 12px;
    letter-spacing: -0.02em;
}

.section-subtitle {
    text-align: center;
    color: var(--color-text-muted);
    margin-bottom: 48px;
    max-width: 580px;
    margin-left: auto;
    margin-right: auto;
    font-size: 1.05rem;
    line-height: 1.6;
}

/* ============================================
   HOW IT WORKS
   ============================================ */
.how-it-works {
    padding: 96px 0;
    background: var(--color-white);
}

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

.steps-grid::before {
    content: '';
    position: absolute;
    top: 44px;
    left: calc(16.67% + 24px);
    right: calc(16.67% + 24px);
    height: 2px;
    background: linear-gradient(90deg, var(--color-border), var(--color-secondary), var(--color-border));
    opacity: 0.5;
    z-index: 0;
}

.step {
    text-align: center;
    padding: 36px 28px 32px;
    background: var(--color-bg);
    border-radius: var(--radius-xl);
    transition: all 0.25s ease;
    position: relative;
    z-index: 1;
    border: 1px solid transparent;
}

.step:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    border-color: var(--color-border);
    background: var(--color-white);
}

.step-icon {
    width: 56px;
    height: 56px;
    margin: 0 auto 20px;
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-secondary) 100%);
    color: var(--color-white);
    font-family: var(--font-display);
    font-size: 1.4rem;
    font-weight: 700;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 4px 12px rgba(37, 99, 235, 0.25);
}

.step h3 {
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--color-dark);
    margin-bottom: 10px;
}

.step p {
    color: var(--color-text-muted);
    font-size: 0.925rem;
    line-height: 1.6;
}

/* ============================================
   WHY CHOOSE / FEATURES
   ============================================ */
.why-choose {
    padding: 96px 0;
    background: var(--color-bg);
}

.features-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
}

.feature {
    padding: 36px 28px;
    background: var(--color-white);
    border-radius: var(--radius-lg);
    border: 1px solid var(--color-border);
    transition: all 0.25s ease;
}

.feature:hover {
    box-shadow: var(--shadow-md);
    border-color: rgba(37, 99, 235, 0.2);
    transform: translateY(-2px);
}

.feature-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 52px;
    height: 52px;
    border-radius: 12px;
    margin-bottom: 20px;
    background: rgba(37, 99, 235, 0.07);
}

.feature-icon svg {
    width: 26px;
    height: 26px;
    stroke: var(--color-secondary);
    fill: none;
    stroke-width: 2;
    stroke-linecap: round;
    stroke-linejoin: round;
}

.feature h3 {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--color-dark);
    margin-bottom: 10px;
}

.feature p {
    color: var(--color-text-muted);
    font-size: 0.925rem;
    line-height: 1.6;
}

/* ============================================
   TRANSPARENCY
   ============================================ */
.transparency {
    padding: 72px 0;
    background: var(--color-white);
}

.transparency-card {
    max-width: 680px;
    margin: 0 auto;
    padding: 36px 40px;
    background: var(--color-bg);
    border-radius: var(--radius-lg);
    border: 1px solid var(--color-border);
}

.transparency-card p {
    font-size: 1rem;
    color: var(--color-text);
    margin-bottom: 10px;
    padding-left: 24px;
    position: relative;
    line-height: 1.6;
}

.transparency-card p:last-child {
    margin-bottom: 0;
}

.transparency-card p::before {
    content: '';
    position: absolute;
    left: 0;
    top: 10px;
    width: 6px;
    height: 6px;
    background: var(--color-secondary);
    border-radius: 50%;
}

/* ============================================
   COMPARISON TABLE
   ============================================ */
.compare {
    padding: 96px 0;
    background: var(--color-bg);
}

.compare-table-wrapper {
    overflow-x: auto;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    border: 1px solid var(--color-border);
}

.compare-table {
    width: 100%;
    border-collapse: collapse;
    background: var(--color-white);
}

.compare-table th,
.compare-table td {
    padding: 18px 24px;
    text-align: left;
    border-bottom: 1px solid var(--color-border);
}

.compare-table th {
    background: var(--color-primary);
    color: var(--color-white);
    font-weight: 600;
    font-size: 0.925rem;
}

.compare-table th:first-child {
    border-radius: var(--radius) 0 0 0;
}

.compare-table th:last-child {
    border-radius: 0 var(--radius) 0 0;
}

.compare-table td {
    font-size: 0.925rem;
}

.compare-table tbody tr:hover {
    background: rgba(37, 99, 235, 0.02);
}

.compare-table tbody tr:last-child td {
    border-bottom: none;
}

.compare-table .negative {
    color: var(--color-text-muted);
}

.compare-table .positive {
    color: var(--color-success);
    font-weight: 600;
}

.compare-table .positive svg {
    width: 16px;
    height: 16px;
    display: inline-block;
    vertical-align: -2px;
    margin-right: 6px;
    stroke: var(--color-success);
    fill: none;
    stroke-width: 2.5;
}

/* ============================================
   TESTIMONIALS
   ============================================ */
.testimonials {
    padding: 96px 0;
    background: var(--color-white);
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
}

.testimonial {
    padding: 32px 28px;
    background: var(--color-bg);
    border-radius: var(--radius-lg);
    border: 1px solid var(--color-border);
}

.testimonial-stars {
    color: var(--color-accent);
    font-size: 1rem;
    margin-bottom: 16px;
    letter-spacing: 2px;
}

.testimonial-text {
    font-size: 0.95rem;
    color: var(--color-text);
    line-height: 1.7;
    margin-bottom: 20px;
    font-style: italic;
}

.testimonial-author {
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--color-dark);
}

.testimonial-location {
    font-size: 0.8rem;
    color: var(--color-text-muted);
}

/* ============================================
   FINAL CTA
   ============================================ */
.final-cta {
    padding: 96px 0;
    background: linear-gradient(135deg, var(--color-primary) 0%, #1a3a6b 50%, var(--color-primary-light) 100%);
    text-align: center;
    position: relative;
    overflow: hidden;
}

.final-cta::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(ellipse at 30% 50%, rgba(37, 99, 235, 0.2) 0%, transparent 60%);
}

.final-cta .container {
    position: relative;
    z-index: 1;
}

.final-cta .section-title {
    color: var(--color-white);
    margin-bottom: 16px;
}

.final-cta-text {
    color: rgba(255, 255, 255, 0.85);
    max-width: 640px;
    margin: 0 auto 36px;
    font-size: 1.1rem;
    line-height: 1.65;
}

.final-cta .btn-primary {
    background: var(--color-accent);
    color: var(--color-dark);
    padding: 16px 44px;
    font-size: 1.1rem;
}

.final-cta .btn-primary:hover {
    background: var(--color-accent-hover);
    color: var(--color-dark);
}

.final-trust {
    margin-top: 24px;
    color: rgba(255, 255, 255, 0.65);
    font-size: 0.875rem;
}

/* ============================================
   FOOTER
   ============================================ */
.footer {
    padding: 40px 0;
    background: var(--color-dark);
    text-align: center;
}

.footer-links {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 8px 28px;
    margin-bottom: 20px;
}

.footer-links a {
    color: rgba(255, 255, 255, 0.7);
    text-decoration: none;
    font-size: 0.875rem;
    font-weight: 500;
    transition: color 0.2s;
}

.footer-links a:hover {
    color: rgba(255, 255, 255, 0.95);
}

.footer p {
    color: rgba(255, 255, 255, 0.45);
    font-size: 0.85rem;
}

/* ============================================
   LEGAL / INFO PAGES
   ============================================ */
.legal-page {
    padding: 130px 0 80px;
    min-height: 100vh;
}

.page-title {
    font-family: var(--font-display);
    font-size: clamp(1.75rem, 3vw, 2.25rem);
    font-weight: 700;
    color: var(--color-dark);
    margin-bottom: 8px;
}

.legal-updated {
    color: var(--color-text-muted);
    font-size: 0.875rem;
    margin-bottom: 32px;
}

.legal-content {
    max-width: 960px;
    background: var(--color-white);
    padding: 48px 56px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--color-border);
}

.legal-content h2 {
    font-size: 1.2rem;
    font-weight: 700;
    color: var(--color-dark);
    margin-top: 36px;
    margin-bottom: 14px;
    padding-top: 28px;
    border-top: 1px solid var(--color-border);
    scroll-margin-top: 100px;
}

.legal-content h2:first-of-type,
.legal-content .legal-toc + h2,
.legal-content .disclosure-notice + h2,
.legal-content .legal-highlight-box + h2 {
    margin-top: 0;
    padding-top: 0;
    border-top: none;
}

.legal-content p,
.legal-content li {
    color: var(--color-text);
    margin-bottom: 14px;
    line-height: 1.75;
    font-size: 0.95rem;
}

.legal-content ul {
    margin: 12px 0 20px 24px;
}

.legal-content li {
    padding-left: 4px;
    margin-bottom: 10px;
}

.legal-content a {
    color: var(--color-secondary);
    text-decoration: none;
    border-bottom: 1px solid rgba(37, 99, 235, 0.2);
    transition: border-color 0.2s;
}

.legal-content a:hover {
    border-bottom-color: var(--color-secondary);
}

/* Table of Contents */
.legal-toc {
    background: var(--color-bg);
    border: 1px solid var(--color-border);
    border-radius: var(--radius);
    padding: 24px 28px;
    margin-bottom: 36px;
}

.legal-toc-title {
    font-size: 0.85rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    color: var(--color-text-muted);
    margin-bottom: 14px;
}

.legal-toc-list {
    list-style: none;
    margin: 0;
    padding: 0;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 6px 32px;
}

.legal-toc-list li {
    margin: 0;
    padding: 0;
}

.legal-toc-list a {
    display: flex;
    align-items: center;
    gap: 8px;
    color: var(--color-text);
    font-size: 0.9rem;
    font-weight: 500;
    padding: 6px 0;
    border-bottom: none;
    transition: color 0.2s;
}

.legal-toc-list a::before {
    content: '';
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: var(--color-border);
    flex-shrink: 0;
    transition: background 0.2s;
}

.legal-toc-list a:hover {
    color: var(--color-secondary);
}

.legal-toc-list a:hover::before {
    background: var(--color-secondary);
}

/* Highlight / Summary Box */
.legal-highlight-box {
    background: linear-gradient(135deg, rgba(37, 99, 235, 0.04) 0%, rgba(37, 99, 235, 0.08) 100%);
    border: 1px solid rgba(37, 99, 235, 0.12);
    border-radius: var(--radius);
    padding: 24px 28px;
    margin-bottom: 36px;
}

.legal-highlight-box h3 {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--color-dark);
    margin-bottom: 12px;
    display: flex;
    align-items: center;
    gap: 8px;
}

.legal-highlight-box ul {
    margin: 0;
    padding: 0;
    list-style: none;
}

.legal-highlight-box li {
    padding: 6px 0 6px 20px;
    position: relative;
    font-size: 0.9rem;
    color: var(--color-text);
    margin-bottom: 4px;
    line-height: 1.6;
}

.legal-highlight-box li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--color-success);
    font-weight: 700;
    font-size: 0.85rem;
}

.disclosure-notice {
    background: rgba(37, 99, 235, 0.05);
    border-left: 4px solid var(--color-secondary);
    padding: 24px 28px;
    margin-bottom: 32px;
    border-radius: 0 var(--radius) var(--radius) 0;
}

.disclosure-notice p {
    margin-bottom: 0;
}

/* FAQ Accordion */
.faq-content .faq-item {
    border: 1px solid var(--color-border);
    border-radius: var(--radius);
    margin-bottom: 12px;
    overflow: hidden;
    transition: box-shadow 0.2s, border-color 0.2s;
}

.faq-content .faq-item:last-child {
    margin-bottom: 0;
}

.faq-content .faq-item:hover {
    border-color: rgba(37, 99, 235, 0.25);
}

.faq-content .faq-item.active {
    border-color: rgba(37, 99, 235, 0.3);
    box-shadow: 0 2px 8px rgba(37, 99, 235, 0.08);
}

.faq-question {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    padding: 20px 24px;
    background: none;
    border: none;
    cursor: pointer;
    font-family: var(--font-body);
    font-size: 1rem;
    font-weight: 600;
    color: var(--color-dark);
    text-align: left;
    line-height: 1.4;
    transition: background 0.2s;
}

.faq-question:hover {
    background: rgba(248, 250, 252, 0.6);
}

.faq-question-icon {
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: var(--color-bg);
    border: 1.5px solid var(--color-border);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transition: all 0.3s;
}

.faq-question-icon svg {
    width: 14px;
    height: 14px;
    stroke: var(--color-text-muted);
    stroke-width: 2.5;
    fill: none;
    transition: transform 0.3s;
}

.faq-item.active .faq-question-icon {
    background: var(--color-secondary);
    border-color: var(--color-secondary);
}

.faq-item.active .faq-question-icon svg {
    stroke: var(--color-white);
    transform: rotate(45deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s ease;
}

.faq-answer-inner {
    padding: 0 24px 24px;
    color: var(--color-text);
    font-size: 0.95rem;
    line-height: 1.75;
}

.faq-answer-inner p {
    margin-bottom: 0;
}

.faq-answer-inner a {
    color: var(--color-secondary);
    border-bottom: 1px solid rgba(37, 99, 235, 0.2);
    text-decoration: none;
    transition: border-color 0.2s;
}

.faq-answer-inner a:hover {
    border-bottom-color: var(--color-secondary);
}

.faq-intro {
    color: var(--color-text-muted);
    font-size: 1rem;
    margin-bottom: 32px;
    line-height: 1.7;
}

.faq-cta {
    margin-top: 40px;
    padding: 32px;
    background: var(--color-bg);
    border-radius: var(--radius);
    text-align: center;
    border: 1px solid var(--color-border);
}

.faq-cta p {
    font-size: 1rem;
    color: var(--color-text);
    margin-bottom: 16px;
}

.faq-cta .btn {
    padding: 12px 28px;
    font-size: 0.95rem;
}

/* Back to Top Button */
.back-to-top {
    position: fixed;
    bottom: 32px;
    right: 32px;
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: var(--color-white);
    border: 1px solid var(--color-border);
    box-shadow: var(--shadow-md);
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    opacity: 0;
    visibility: hidden;
    transform: translateY(12px);
    transition: all 0.3s;
    z-index: 999;
}

.back-to-top.visible {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.back-to-top:hover {
    background: var(--color-secondary);
    border-color: var(--color-secondary);
    box-shadow: 0 4px 12px rgba(37, 99, 235, 0.25);
}

.back-to-top svg {
    width: 20px;
    height: 20px;
    stroke: var(--color-text-muted);
    stroke-width: 2.5;
    fill: none;
    transition: stroke 0.3s;
}

.back-to-top:hover svg {
    stroke: var(--color-white);
}

/* ============================================
   RESPONSIVE
   ============================================ */
@media (max-width: 1024px) {
    .hero-grid {
        grid-template-columns: 1fr 460px;
        gap: 40px;
    }
}

@media (max-width: 768px) {
    .header-inner {
        height: 64px;
    }

    .nav {
        position: fixed;
        top: 64px;
        left: 0;
        right: 0;
        background: var(--color-white);
        flex-direction: column;
        padding: 24px;
        gap: 16px;
        box-shadow: var(--shadow-lg);
        transform: translateY(-120%);
        opacity: 0;
        visibility: hidden;
        transition: all 0.3s ease;
        border-bottom: 1px solid var(--color-border);
    }

    .nav.active {
        transform: translateY(0);
        opacity: 1;
        visibility: visible;
    }

    .nav .header-cta {
        margin-top: 4px;
        justify-content: center;
        width: 100%;
    }

    .mobile-menu-btn {
        display: flex;
    }

    .hero {
        padding: 110px 0 60px;
        min-height: auto;
    }

    .hero-grid {
        grid-template-columns: 1fr;
        gap: 36px;
    }

    .hero-grid > *,
    .hero-content,
    .hero-form-wrapper,
    .hero-form-wrapper .form-card,
    .lead-form,
    .form-step,
    .form-row,
    .form-field {
        min-width: 0;
    }

    .hero-form-wrapper {
        justify-content: stretch;
    }

    .hero-form-wrapper .form-card {
        margin: 0 auto;
        max-width: 520px;
        width: 100%;
    }

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

    .hero-subtitle {
        text-align: center;
        margin-left: auto;
        margin-right: auto;
    }

    .hero-stats {
        justify-content: center;
        flex-wrap: wrap;
        gap: 20px;
        width: 100%;
    }

    .hero-stat {
        min-width: 0;
    }

    .hero-title,
    .hero-subtitle,
    .form-header h2,
    .form-header p,
    .form-progress-pct,
    .form-progress,
    .form-secure span {
        overflow-wrap: anywhere;
    }

    .badges-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 24px;
    }

    .form-row {
        grid-template-columns: 1fr;
    }

    .lead-form input,
    .lead-form select,
    .form-step-buttons .btn {
        width: 100%;
        min-width: 0;
    }

    .form-progress-wrap {
        flex-direction: column;
        align-items: flex-start;
        gap: 6px;
    }

    .form-step-buttons {
        grid-template-columns: 1fr;
    }

    .steps-grid::before {
        display: none;
    }

    .steps-grid,
    .features-grid,
    .testimonials-grid {
        grid-template-columns: 1fr;
        max-width: 480px;
        margin-left: auto;
        margin-right: auto;
    }

    .compare-table th,
    .compare-table td {
        padding: 14px 16px;
        font-size: 0.875rem;
    }

    /* Legal pages — tablet */
    .legal-page {
        padding: 110px 0 60px;
        min-height: auto;
    }

    .legal-content {
        padding: 36px 32px;
    }

    .legal-toc {
        padding: 20px 24px;
        margin-bottom: 28px;
    }

    .legal-toc-list {
        grid-template-columns: 1fr;
        gap: 4px;
    }

    .legal-toc-list a {
        font-size: 0.875rem;
        padding: 5px 0;
    }

    .legal-highlight-box {
        padding: 20px 24px;
        margin-bottom: 28px;
    }

    .disclosure-notice {
        padding: 20px 22px;
        margin-bottom: 24px;
    }

    .legal-content h2 {
        font-size: 1.1rem;
        margin-top: 28px;
        padding-top: 22px;
    }

    .faq-intro {
        font-size: 0.95rem;
        margin-bottom: 24px;
    }

    .faq-question {
        padding: 18px 20px;
        font-size: 0.95rem;
    }

    .faq-answer-inner {
        padding: 0 20px 20px;
    }

    .faq-cta {
        margin-top: 28px;
        padding: 28px 24px;
    }

    .back-to-top {
        bottom: 24px;
        right: 24px;
    }

    .trust-badges {
        padding: 36px 0;
    }

    .how-it-works {
        padding: 64px 0;
    }

    .why-choose {
        padding: 64px 0;
    }

    .transparency {
        padding: 56px 0;
    }

    .compare {
        padding: 64px 0;
    }

    .testimonials {
        padding: 64px 0;
    }

    .final-cta {
        padding: 64px 0;
    }
}

@media (max-width: 480px) {
    .container {
        padding: 0 16px;
    }

    .badges-grid {
        grid-template-columns: 1fr;
    }

    .hero-stats {
        flex-direction: column;
        gap: 20px;
        align-items: center;
    }

    .hero-form-wrapper .form-card {
        max-width: 100%;
    }

    .form-card {
        padding: 28px 20px;
    }

    .footer-links {
        flex-direction: column;
        gap: 12px;
    }

    /* Legal pages — mobile */
    .legal-page {
        padding: 100px 0 48px;
    }

    .page-title {
        font-size: 1.5rem;
    }

    .legal-updated {
        margin-bottom: 20px;
    }

    .legal-content {
        padding: 24px 18px;
        border-radius: var(--radius);
    }

    .legal-content h2 {
        font-size: 1.05rem;
        margin-top: 24px;
        margin-bottom: 10px;
        padding-top: 18px;
    }

    .legal-content p,
    .legal-content li {
        font-size: 0.9rem;
        line-height: 1.7;
        margin-bottom: 12px;
    }

    .legal-content ul {
        margin-left: 18px;
    }

    .legal-toc {
        padding: 16px 18px;
        margin-bottom: 24px;
    }

    .legal-toc-title {
        font-size: 0.8rem;
        margin-bottom: 10px;
    }

    .legal-toc-list {
        grid-template-columns: 1fr;
        gap: 2px;
    }

    .legal-toc-list a {
        font-size: 0.85rem;
        padding: 5px 0;
    }

    .legal-highlight-box {
        padding: 18px 16px;
        margin-bottom: 24px;
    }

    .legal-highlight-box h3 {
        font-size: 0.9rem;
    }

    .legal-highlight-box li {
        font-size: 0.85rem;
        padding-left: 18px;
    }

    .disclosure-notice {
        padding: 16px 18px;
        margin-bottom: 20px;
    }

    .disclosure-notice p {
        font-size: 0.9rem;
    }

    .faq-intro {
        font-size: 0.9rem;
        margin-bottom: 20px;
    }

    .faq-content .faq-item {
        margin-bottom: 10px;
        border-radius: 8px;
    }

    .faq-question {
        padding: 16px 14px;
        font-size: 0.9rem;
        gap: 12px;
    }

    .faq-question-icon {
        width: 24px;
        height: 24px;
    }

    .faq-question-icon svg {
        width: 12px;
        height: 12px;
    }

    .faq-answer-inner {
        padding: 0 14px 18px;
        font-size: 0.9rem;
    }

    .faq-cta {
        margin-top: 24px;
        padding: 24px 18px;
    }

    .faq-cta p {
        font-size: 0.9rem;
    }

    .faq-cta .btn {
        padding: 10px 24px;
        font-size: 0.9rem;
    }

    .back-to-top {
        bottom: 16px;
        right: 16px;
        width: 40px;
        height: 40px;
    }

    .transparency-card {
        padding: 28px 24px;
    }

    .hero {
        padding: 96px 0 40px;
    }

    .trust-badges {
        padding: 28px 0;
    }

    .how-it-works,
    .why-choose,
    .compare,
    .testimonials {
        padding: 48px 0;
    }

    .final-cta {
        padding: 48px 0;
    }

    .transparency {
        padding: 40px 0;
    }

    .section-subtitle {
        font-size: 0.95rem;
        margin-bottom: 32px;
    }

    .btn-lg {
        padding: 14px 28px;
        font-size: 1rem;
    }

    .hero-stat-number {
        font-size: 1.6rem;
    }

    .step {
        padding: 28px 22px 24px;
    }

    .feature {
        padding: 28px 22px;
    }

    .testimonial {
        padding: 24px 22px;
    }

    .final-cta-text {
        font-size: 1rem;
    }

    .compare-table th,
    .compare-table td {
        padding: 12px 10px;
        font-size: 0.82rem;
    }
}