/* =========================================================
   AccidentFunnel — shared design system
   Brand: Authority Navy + Urgency Red + Premium Gold
   Type:  Sora (display) · Fraunces (serif/human) · Inter (body)
   ========================================================= */

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

:root {
  /* navy scale */
  --navy-900: #081320;
  --navy:     #0D1B2A;
  --navy-800: #122438;
  --navy-700: #1B3047;
  /* urgency red */
  --red:      #E0342F;
  --red-dark: #C0271F;
  --red-soft: rgba(224,52,47,0.08);
  /* premium gold */
  --gold:     #C9A24B;
  --gold-lt:  #E8C977;
  --star:     #F5B301;
  /* neutrals */
  --white:    #FFFFFF;
  --cream:    #FBF8F2;
  --off:      #F6F7F9;
  --line:     #E5E8EC;
  --line-2:   #D6DBE2;
  --text:     #16202E;
  --muted:    #5B6675;
  --muted-2:  #8A93A1;
  /* effects */
  --shadow-sm: 0 1px 2px rgba(13,27,42,0.06), 0 2px 6px rgba(13,27,42,0.05);
  --shadow:    0 10px 30px rgba(13,27,42,0.10), 0 2px 8px rgba(13,27,42,0.05);
  --shadow-lg: 0 30px 70px rgba(13,27,42,0.16);
  --radius: 14px;
  --radius-lg: 20px;
  --container: 1140px;
}

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  background: var(--white);
  color: var(--text);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: clip;
}
img { max-width: 100%; display: block; }
a { color: inherit; }

.container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.section { padding: 92px 0; }
.center { text-align: center; }
.mw-640 { max-width: 640px; margin-left: auto; margin-right: auto; }
.mw-720 { max-width: 720px; margin-left: auto; margin-right: auto; }

/* ---------- typography ---------- */
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 12.5px; font-weight: 700; letter-spacing: 0.14em;
  text-transform: uppercase; color: var(--gold);
}
.eyebrow::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: var(--gold); display: inline-block; }
.eyebrow.no-rule::before { display: none; }
.display {
  font-family: 'Sora', sans-serif; font-weight: 800;
  letter-spacing: -0.02em; line-height: 1.08; color: var(--navy);
}
h1.display { font-size: clamp(34px, 5.4vw, 60px); }
h2.display { font-size: clamp(28px, 4vw, 44px); }
h3.display { font-size: clamp(20px, 2.4vw, 26px); }
.serif {
  font-family: 'Fraunces', Georgia, serif;
  font-optical-sizing: auto;
}
.lead { font-size: clamp(16px, 2.2vw, 19px); color: var(--muted); }
.text-red { color: var(--red); }
.text-gold { color: var(--gold); }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font-family: 'Inter', sans-serif; font-weight: 600; font-size: 16px;
  padding: 15px 28px; border-radius: 10px; border: none; cursor: pointer;
  text-decoration: none; transition: transform 0.15s, background 0.2s, box-shadow 0.2s;
  white-space: nowrap;
}
.btn-lg { font-size: 17.5px; padding: 18px 38px; }
.btn-primary {
  background: var(--red); color: var(--white);
  box-shadow: 0 8px 24px rgba(224,52,47,0.32);
}
.btn-primary:hover { background: var(--red-dark); transform: translateY(-2px); box-shadow: 0 12px 30px rgba(224,52,47,0.4); }
.btn-primary:active { transform: translateY(0); }
.btn-ghost { background: rgba(255,255,255,0.08); color: var(--white); border: 1.5px solid rgba(255,255,255,0.28); }
.btn-ghost:hover { background: rgba(255,255,255,0.16); }
.btn-dark { background: var(--navy); color: var(--white); }
.btn-dark:hover { background: var(--navy-800); transform: translateY(-2px); }

/* ---------- header ---------- */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  background: rgba(13,27,42,0.0); transition: background 0.3s, box-shadow 0.3s, padding 0.3s;
  padding: 18px 0;
}
section[id], div[id] { scroll-margin-top: 84px; }
.site-header.solid { background: rgba(9,16,26,0.92); backdrop-filter: blur(10px); box-shadow: 0 1px 0 rgba(255,255,255,0.06); padding: 12px 0; }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.logo { font-family: 'Sora', sans-serif; font-weight: 800; font-size: 21px; color: var(--white); letter-spacing: -0.5px; text-decoration: none; }
.logo span { color: var(--red); }
.nav-links { display: flex; align-items: center; gap: 30px; }
.nav-links a { color: rgba(255,255,255,0.82); text-decoration: none; font-size: 15px; font-weight: 500; transition: color 0.15s; }
.nav-links a:hover, .nav-links a.active { color: var(--white); }
.header-cta { display: flex; align-items: center; gap: 18px; }
.header-phone { color: var(--white); text-decoration: none; font-size: 14px; font-weight: 600; display: flex; align-items: center; gap: 7px; }
.header-phone svg { width: 16px; height: 16px; color: var(--gold); }
.burger { display: none; background: none; border: none; cursor: pointer; padding: 6px; }
.burger span { display: block; width: 24px; height: 2px; background: var(--white); margin: 5px 0; border-radius: 2px; transition: 0.25s; }
.mobile-menu { display: none; }

/* ---------- hero ---------- */
.hero { position: relative; background: var(--navy-900); color: var(--white); overflow: hidden; }
.hero-bg { position: absolute; inset: 0; z-index: 0; }
.hero-bg img { width: 100%; height: 100%; object-fit: cover; opacity: 0.32; }
.hero-bg::after {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(60% 60% at 70% 20%, rgba(224,52,47,0.18) 0%, transparent 60%),
    linear-gradient(180deg, rgba(8,19,32,0.78) 0%, rgba(8,19,32,0.92) 100%);
}
.hero-inner { position: relative; z-index: 2; padding: 110px 0 76px; }
.hero-grid {
  display: grid;
  grid-template-columns: 1.02fr 0.98fr;
  grid-template-areas: "top form" "bottom form";
  column-gap: 52px; row-gap: 20px;
  align-items: start;
}
.hero-top { grid-area: top; }
.hero-form { grid-area: form; align-self: start; }
.hero-bottom { grid-area: bottom; align-self: start; }
.hero-form .quiz-card { box-shadow: var(--shadow-lg); }
.hero-howlink { display: inline-block; margin-top: 18px; color: rgba(255,255,255,0.7); font-size: 14px; font-weight: 600; text-decoration: none; border-bottom: 1px solid rgba(255,255,255,0.25); padding-bottom: 2px; }
.hero-howlink:hover { color: #fff; }
.hero h1 { color: var(--white); }
.hero h1 em { font-style: normal; color: var(--red); }
.hero .lead { color: rgba(255,255,255,0.72); margin: 20px 0 30px; max-width: 520px; }
.hero-cta-row { display: flex; gap: 14px; flex-wrap: wrap; align-items: center; }
.hero-rating { display: flex; align-items: center; gap: 12px; margin-top: 26px; }
.stars { color: var(--star); letter-spacing: 2px; font-size: 16px; }
.hero-rating small { color: rgba(255,255,255,0.6); font-size: 13.5px; }
.hero-badges { display: flex; flex-wrap: wrap; gap: 10px 22px; margin-top: 28px; }
.hero-badge { display: flex; align-items: center; gap: 8px; font-size: 13.5px; color: rgba(255,255,255,0.78); font-weight: 500; }
.hero-badge svg { width: 17px; height: 17px; color: var(--gold); }

/* hero floating card (quiz teaser / trust) */
.hero-card {
  background: var(--white); color: var(--text); border-radius: var(--radius-lg);
  padding: 28px; box-shadow: var(--shadow-lg);
}
.hero-card .hc-top { display: flex; align-items: center; gap: 12px; margin-bottom: 18px; }
.hero-card .hc-icon { width: 46px; height: 46px; border-radius: 12px; background: var(--red-soft); color: var(--red); display: flex; align-items: center; justify-content: center; }
.hero-card .hc-icon svg { width: 24px; height: 24px; }
.hero-card h3 { font-family: 'Sora',sans-serif; font-size: 18px; color: var(--navy); }
.hero-card p { font-size: 14px; color: var(--muted); }
.hc-list { list-style: none; margin: 18px 0; display: flex; flex-direction: column; gap: 12px; }
.hc-list li { display: flex; align-items: flex-start; gap: 10px; font-size: 14.5px; color: var(--text); }
.hc-list .ck { width: 20px; height: 20px; min-width: 20px; border-radius: 50%; background: var(--navy); display: flex; align-items: center; justify-content: center; margin-top: 2px; }
.hc-list .ck svg { width: 11px; height: 11px; }

/* ---------- trust strip ---------- */
.trust-strip { background: var(--navy); border-top: 1px solid rgba(255,255,255,0.07); }
.trust-strip .container { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-around; gap: 16px 28px; padding-top: 22px; padding-bottom: 22px; }
.trust-strip .ti { display: flex; align-items: center; gap: 9px; font-size: 13.5px; font-weight: 500; color: rgba(255,255,255,0.8); }
.trust-strip .ti svg { width: 18px; height: 18px; color: var(--gold); }

/* ---------- stat band ---------- */
.stat-band { background: var(--navy); color: var(--white); }
.stat-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 28px; text-align: center; }
.stat .num { font-family: 'Sora',sans-serif; font-weight: 800; font-size: clamp(28px,4vw,42px); color: var(--gold); line-height: 1; }
.stat .lbl { font-size: 13.5px; color: rgba(255,255,255,0.65); margin-top: 8px; letter-spacing: 0.02em; }

/* ---------- value cards ---------- */
.cards { display: grid; grid-template-columns: repeat(auto-fit,minmax(240px,1fr)); gap: 22px; }
.card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 30px 26px; transition: transform 0.2s, box-shadow 0.2s, border-color 0.2s;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: transparent; }
.card .ic { width: 52px; height: 52px; border-radius: 13px; background: var(--navy); color: var(--gold); display: flex; align-items: center; justify-content: center; margin-bottom: 18px; }
.card .ic svg { width: 26px; height: 26px; }
.card h3 { font-family: 'Sora',sans-serif; font-size: 18px; color: var(--navy); margin-bottom: 9px; }
.card p { font-size: 14.5px; color: var(--muted); }

/* ---------- steps ---------- */
.steps { display: grid; grid-template-columns: repeat(3,1fr); gap: 26px; counter-reset: s; }
.step-c { position: relative; background: var(--cream); border-radius: var(--radius); padding: 32px 28px; }
.step-c .sn { font-family:'Sora',sans-serif; font-weight: 800; font-size: 15px; color: var(--white); background: var(--red); width: 38px; height: 38px; border-radius: 11px; display: flex; align-items: center; justify-content: center; margin-bottom: 18px; }
.step-c h3 { font-family:'Sora',sans-serif; font-size: 19px; color: var(--navy); margin-bottom: 9px; }
.step-c p { font-size: 14.5px; color: var(--muted); }

/* ---------- split (image + text) ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.split-img { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow); position: relative; }
.split-img img { width: 100%; height: 100%; object-fit: cover; aspect-ratio: 4/3.2; }
.split-img .tag {
  position: absolute; left: 18px; bottom: 18px; background: rgba(255,255,255,0.96);
  border-radius: 12px; padding: 12px 16px; box-shadow: var(--shadow-sm); display: flex; align-items: center; gap: 10px;
}
.split-img .tag .d { width: 38px; height: 38px; min-width: 38px; border-radius: 10px; background: var(--red-soft); color: var(--red); display: flex; align-items: center; justify-content: center; }
.split-img .tag .d svg { width: 20px; height: 20px; }
.split-img .tag b { font-family:'Sora',sans-serif; color: var(--navy); font-size: 15px; display: block; }
.split-img .tag small { color: var(--muted); font-size: 12.5px; }
.check-list { list-style: none; margin-top: 22px; display: flex; flex-direction: column; gap: 14px; }
.check-list li { display: flex; gap: 12px; font-size: 15.5px; }
.check-list .ck { width: 24px; height: 24px; min-width: 24px; border-radius: 50%; background: var(--navy); display: flex; align-items: center; justify-content: center; margin-top: 2px; }
.check-list .ck svg { width: 12px; height: 12px; }

/* ---------- qualify (navy) ---------- */
.navy-section { background: var(--navy); color: var(--white); }
.navy-section .display { color: var(--white); }
.navy-section .lead { color: rgba(255,255,255,0.7); }
.qual-grid { display: grid; grid-template-columns: repeat(auto-fit,minmax(230px,1fr)); gap: 16px; margin-top: 44px; }
.qual-item { display: flex; gap: 13px; background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.1); border-radius: 12px; padding: 22px; }
.qual-item .ck { width: 24px; height: 24px; min-width: 24px; border-radius: 50%; background: var(--red); display: flex; align-items: center; justify-content: center; margin-top: 1px; }
.qual-item .ck svg { width: 12px; height: 12px; }
.qual-item p { font-size: 14.5px; color: rgba(255,255,255,0.85); }

/* ---------- testimonials / reviews ---------- */
.feature-quote { max-width: 860px; margin: 0 auto; text-align: center; }
.feature-quote .stars { font-size: 22px; }
.feature-quote blockquote { font-family:'Fraunces',serif; font-weight: 500; font-size: clamp(22px,3vw,32px); line-height: 1.35; color: var(--navy); margin: 22px 0 26px; }
.feature-quote .qmark { font-family:'Fraunces',serif; font-size: 64px; color: var(--gold); line-height: 0.5; }
.q-author { display: flex; align-items: center; justify-content: center; gap: 13px; }
.q-author .meta b { display: block; color: var(--navy); font-weight: 700; }
.q-author .meta small { color: var(--muted); }

.review-grid { display: grid; grid-template-columns: repeat(auto-fill,minmax(330px,1fr)); gap: 22px; }
.review {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 26px; display: flex; flex-direction: column; gap: 14px; box-shadow: var(--shadow-sm);
}
.review-top { display: flex; align-items: center; gap: 13px; }
.review .stars { font-size: 15px; }
.review p { font-size: 15px; color: var(--text); line-height: 1.6; }
.review .src { font-size: 12.5px; color: var(--muted-2); margin-top: auto; display: flex; align-items: center; gap: 6px; }
.review .src svg { width: 14px; height: 14px; }

.avatar {
  width: 48px; height: 48px; min-width: 48px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family:'Sora',sans-serif; font-weight: 700; color: var(--white); font-size: 16px;
}
.av-1 { background: linear-gradient(135deg,#1B3047,#2A4A6B); }
.av-2 { background: linear-gradient(135deg,#7A1F1B,#C0271F); }
.av-3 { background: linear-gradient(135deg,#8A6D2A,#C9A24B); }
.av-4 { background: linear-gradient(135deg,#214B3A,#2F7D5B); }
.av-5 { background: linear-gradient(135deg,#3A2A52,#6B4A8A); }
.av-6 { background: linear-gradient(135deg,#1B3047,#476079); }
.author b { display: block; color: var(--navy); font-weight: 700; font-size: 15px; }
.author small { color: var(--muted); font-size: 13px; }

/* ---------- live "updated" pill ---------- */
.live-pill { display: inline-flex; align-items: center; gap: 8px; background: #E9F9EE; color: #1E7B3A; border: 1px solid #BFE9CC; border-radius: 100px; padding: 7px 15px; font-size: 13px; font-weight: 600; }
.live-dot { width: 8px; height: 8px; border-radius: 50%; background: #2F9E44; box-shadow: 0 0 0 0 rgba(47,158,68,0.6); animation: pulse 1.8s infinite; }
@keyframes pulse { 0% { box-shadow: 0 0 0 0 rgba(47,158,68,0.5); } 70% { box-shadow: 0 0 0 7px rgba(47,158,68,0); } 100% { box-shadow: 0 0 0 0 rgba(47,158,68,0); } }

/* ---------- FAQ ---------- */
.faq { max-width: 760px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-q { width: 100%; text-align: left; background: none; border: none; cursor: pointer; padding: 22px 0; display: flex; justify-content: space-between; align-items: center; gap: 16px; font-family:'Sora',sans-serif; font-size: 17px; font-weight: 700; color: var(--navy); }
.faq-q .pm { width: 26px; height: 26px; min-width: 26px; border-radius: 50%; border: 1.5px solid var(--line-2); position: relative; transition: 0.2s; }
.faq-q .pm::before, .faq-q .pm::after { content:""; position: absolute; background: var(--navy); border-radius: 2px; top: 50%; left: 50%; transform: translate(-50%,-50%); }
.faq-q .pm::before { width: 11px; height: 2px; }
.faq-q .pm::after { width: 2px; height: 11px; transition: 0.2s; }
.faq-item.open .faq-q .pm { background: var(--navy); border-color: var(--navy); }
.faq-item.open .faq-q .pm::before, .faq-item.open .faq-q .pm::after { background: var(--white); }
.faq-item.open .faq-q .pm::after { transform: translate(-50%,-50%) scaleY(0); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.3s ease; }
.faq-a p { padding: 0 0 22px; color: var(--muted); font-size: 15px; }

/* ---------- CTA band ---------- */
.cta-band { position: relative; background: var(--navy-900); color: var(--white); overflow: hidden; }
.cta-band::before { content:""; position: absolute; inset: 0; background: radial-gradient(50% 80% at 50% 0%, rgba(224,52,47,0.18), transparent 70%); }
.cta-band .container { position: relative; }

/* ---------- quiz ---------- */
.quiz-wrap { max-width: 580px; margin: 0 auto; }
.quiz-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 34px 38px 38px; box-shadow: var(--shadow); color: var(--text); }
.progress-head { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 10px; }
.progress-label { font-size: 12px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); }
.progress-count { font-size: 12px; font-weight: 700; color: var(--red); }
.progress-track { height: 7px; background: var(--line); border-radius: 100px; overflow: hidden; margin-bottom: 28px; }
.progress-fill { height: 100%; width: 20%; background: linear-gradient(90deg,var(--red),#F0594F); border-radius: 100px; transition: width 0.4s cubic-bezier(.4,0,.2,1); }
.quiz-step { display: none; }
.quiz-step.active { display: block; animation: fadeUp 0.3s ease; }
.quiz-q { font-family:'Sora',sans-serif; font-size: 22px; font-weight: 800; color: var(--navy); letter-spacing: -0.4px; line-height: 1.25; margin-bottom: 6px; }
.quiz-help { font-size: 14px; color: var(--muted); margin-bottom: 22px; }
.options { display: flex; flex-direction: column; gap: 11px; }
.opt { display: flex; align-items: center; gap: 14px; border: 1.5px solid var(--line); border-radius: 11px; padding: 16px 18px; cursor: pointer; transition: all 0.15s; user-select: none; font-size: 15px; font-weight: 500; min-height: 44px; }
.opt:hover { border-color: var(--navy); background: var(--off); }
.opt input { position: absolute; opacity: 0; pointer-events: none; }
.opt-mark { width: 22px; height: 22px; min-width: 22px; border: 2px solid var(--line-2); border-radius: 50%; display: flex; align-items: center; justify-content: center; transition: all 0.15s; }
.opt-mark svg { width: 12px; height: 12px; opacity: 0; transition: opacity 0.15s; }
.opt:has(input:checked) { border-color: var(--red); background: var(--red-soft); }
.opt:has(input:checked) .opt-mark { border-color: var(--red); background: var(--red); }
.opt:has(input:checked) .opt-mark svg { opacity: 1; }
.field { margin-bottom: 18px; }
.field label { display: block; font-size: 13px; font-weight: 600; color: var(--navy); margin-bottom: 8px; }
.field input, .field select, .field textarea { width: 100%; padding: 14px 16px; border: 1.5px solid var(--line); border-radius: 9px; font-size: 16px; font-family: inherit; color: var(--text); background: var(--white); transition: border-color 0.2s; appearance: none; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 3px rgba(13,27,42,0.08); }
.field textarea { resize: vertical; min-height: 80px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
select.styled { background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%235B6675' stroke-width='2.5'><polyline points='6 9 12 15 18 9'/></svg>"); background-repeat: no-repeat; background-position: right 16px center; padding-right: 42px; }
.err { font-size: 13px; color: var(--red); margin-top: 8px; display: none; }
.err.show { display: block; }
.quiz-nav { display: flex; gap: 12px; margin-top: 24px; }
.quiz-nav .btn { flex: 1; }
.btn-back { background: transparent; border: 1.5px solid var(--line-2); color: var(--muted); flex: 0 0 auto !important; }
.btn-back:hover { border-color: var(--navy); color: var(--navy); }
.secure-note { display: flex; align-items: center; justify-content: center; gap: 6px; font-size: 12px; color: var(--muted); margin-top: 18px; }
.secure-note svg { width: 14px; height: 14px; color: #2F9E44; }
.form-disclaimer { font-size: 11px; color: var(--muted); text-align: center; margin-top: 16px; line-height: 1.5; }
.thankyou { display: none; text-align: center; padding: 26px 6px; }
.thankyou.show { display: block; animation: fadeUp 0.4s ease; }
.thankyou .ty-ic { width: 66px; height: 66px; background: #D8F5DE; border-radius: 50%; display: flex; align-items: center; justify-content: center; margin: 0 auto 22px; }
.thankyou h2 { font-family:'Sora',sans-serif; font-size: 26px; color: var(--navy); margin-bottom: 12px; }
.thankyou p { font-size: 16px; color: var(--muted); max-width: 380px; margin: 0 auto; }

/* ---------- page hero (sub pages) ---------- */
.page-hero { background: var(--navy-900); color: var(--white); position: relative; overflow: hidden; }
.page-hero::before { content:""; position: absolute; inset: 0; background: radial-gradient(50% 90% at 80% 0%, rgba(224,52,47,0.16), transparent 60%); }
.page-hero .container { position: relative; padding: 116px 24px 70px; text-align: center; }
.page-hero .display { color: var(--white); }
.page-hero .lead { color: rgba(255,255,255,0.72); }
.breadcrumb { font-size: 13px; color: rgba(255,255,255,0.55); margin-bottom: 16px; }
.breadcrumb a { color: rgba(255,255,255,0.8); text-decoration: none; }

/* ---------- legal pages ---------- */
.legal { max-width: 820px; margin: 0 auto; padding: 56px 0 80px; }
.legal .updated { font-size: 13.5px; color: var(--muted); margin-bottom: 34px; }
.legal h2 { font-family:'Sora',sans-serif; font-size: 22px; color: var(--navy); margin: 36px 0 12px; }
.legal h3 { font-family:'Sora',sans-serif; font-size: 17px; color: var(--navy); margin: 24px 0 8px; }
.legal p, .legal li { font-size: 15.5px; color: var(--text); line-height: 1.75; margin-bottom: 14px; }
.legal ul { padding-left: 22px; margin-bottom: 14px; }
.legal li { margin-bottom: 8px; }
.legal a { color: var(--red); }
.legal .intro { font-size: 17px; color: var(--muted); }

/* ---------- footer ---------- */
.site-footer { background: var(--navy-900); color: rgba(255,255,255,0.7); padding-top: 64px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.2fr; gap: 40px; padding-bottom: 44px; }
.site-footer .logo { font-size: 22px; margin-bottom: 14px; display: inline-block; }
.footer-about p { font-size: 14px; color: rgba(255,255,255,0.55); max-width: 320px; }
.footer-col h4 { color: var(--white); font-size: 14px; font-weight: 700; letter-spacing: 0.04em; text-transform: uppercase; margin-bottom: 16px; }
.footer-col a { display: block; color: rgba(255,255,255,0.62); text-decoration: none; font-size: 14.5px; margin-bottom: 11px; transition: color 0.15s; }
.footer-col a:hover { color: var(--white); }
.footer-disc { border-top: 1px solid rgba(255,255,255,0.1); padding: 26px 0 36px; }
.footer-disc p { font-size: 11.5px; color: rgba(255,255,255,0.4); line-height: 1.7; max-width: 900px; }
.footer-bottom { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px; font-size: 12.5px; color: rgba(255,255,255,0.4); }

/* ---------- sticky mobile CTA ---------- */
.sticky-cta { display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 90; background: var(--navy-900); padding: 11px 14px calc(11px + env(safe-area-inset-bottom)); box-shadow: 0 -6px 24px rgba(0,0,0,0.22); }
.sticky-cta a { display: block; }

/* ---------- reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(22px); transition: opacity 0.6s ease, transform 0.6s ease; }
.reveal.in { opacity: 1; transform: none; }
@keyframes fadeUp { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }

/* ---------- note banner (placeholder reviews) ---------- */
.note-banner { background: #FFF8E6; border: 1px solid #F0D98A; color: #7A5B00; border-radius: 12px; padding: 14px 18px; font-size: 13.5px; display: flex; gap: 10px; align-items: flex-start; max-width: 860px; margin: 0 auto 36px; }
.note-banner svg { width: 18px; height: 18px; min-width: 18px; margin-top: 1px; }

/* ---------- responsive ---------- */
@media (max-width: 960px) {
  .hero-grid { grid-template-columns: 1fr; grid-template-areas: "top" "form" "bottom"; row-gap: 24px; }
  .hero-top, .hero-bottom { text-align: center; }
  .hero-top .eyebrow { justify-content: center; }
  .hero-bottom .lead { margin-left: auto; margin-right: auto; }
  .hero-bottom .hero-rating { justify-content: center; }
  .hero-bottom .hero-badges { justify-content: center; }
  .hero-card { max-width: 480px; margin: 0 auto; }
  .split { grid-template-columns: 1fr; gap: 32px; }
  .split.rev .split-img { order: -1; }
  .stat-grid { grid-template-columns: repeat(2,1fr); gap: 30px 20px; }
  .steps { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
}
@media (max-width: 760px) {
  .section { padding: 64px 0; }
  .nav-links, .header-phone, .header-cta { display: none; }
  .burger { display: block; }
  .mobile-menu { display: block; position: fixed; inset: 0 0 0 auto; width: 80%; max-width: 320px; background: var(--navy); z-index: 200; transform: translateX(100%); transition: transform 0.3s; padding: 80px 28px 28px; box-shadow: -10px 0 40px rgba(0,0,0,0.3); }
  .mobile-menu.open { transform: translateX(0); }
  .mobile-menu a { display: block; color: rgba(255,255,255,0.85); text-decoration: none; font-size: 18px; font-weight: 600; padding: 14px 0; border-bottom: 1px solid rgba(255,255,255,0.08); }
  .mobile-menu .btn { width: 100%; margin-top: 22px; }
  .menu-close { position: absolute; top: 24px; right: 22px; background: none; border: none; color: var(--white); font-size: 30px; cursor: pointer; line-height: 1; }
  .menu-overlay { display: none; position: fixed; inset: 0; background: rgba(0,0,0,0.5); z-index: 150; }
  .menu-overlay.open { display: block; }
  .sticky-cta { display: block; }
  body.has-sticky { padding-bottom: 76px; }
  .quiz-card { padding: 26px 20px 30px; }
  .field-row { grid-template-columns: 1fr; gap: 0; }
  .footer-grid { grid-template-columns: 1fr; }
}
@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
  .reveal { opacity: 1; transform: none; }
}