/* =========================================================
   Threshold Property Group — Stylesheet
   Single-file, mobile-first, no framework
   ========================================================= */

/* ---------- Design Tokens ---------- */
:root {
  --navy: #1e3a8a;
  --navy-dark: #152a63;
  --navy-light: #2952c0;
  --gold: #d4a017;
  --gold-dark: #b08612;
  --gold-light: #e8b937;
  --white: #ffffff;
  --gray-50: #f8fafc;
  --gray-100: #f1f5f9;
  --gray-200: #e2e8f0;
  --gray-300: #cbd5e1;
  --gray-500: #64748b;
  --gray-700: #334155;
  --gray-900: #0f172a;
  --green: #16a34a;
  --green-light: #dcfce7;
  --red: #dc2626;
  --red-light: #fee2e2;

  --font-display: 'Playfair Display', Georgia, 'Times New Roman', serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --shadow-sm: 0 1px 2px rgba(15, 23, 42, 0.04), 0 1px 3px 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 20px 25px rgba(15, 23, 42, 0.08), 0 10px 10px rgba(15, 23, 42, 0.04);
  --shadow-gold: 0 8px 20px rgba(212, 160, 23, 0.25);

  --radius-sm: 6px;
  --radius-md: 8px;
  --radius-lg: 12px;
  --radius-xl: 16px;

  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-fast: 0.15s ease;

  --max-width: 1200px;
  --container-padding: clamp(1rem, 4vw, 2rem);
}

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

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  color: var(--gray-900);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img {
  max-width: 100%;
  display: block;
  height: auto;
}

a {
  color: var(--navy);
  text-decoration: none;
  transition: color var(--transition-fast);
}

a:hover {
  color: var(--gold);
}

button {
  font-family: inherit;
  cursor: pointer;
  border: none;
  background: none;
}

input,
textarea,
select {
  font-family: inherit;
  font-size: 1rem;
}

/* ---------- Typography ---------- */
h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 700;
  line-height: 1.2;
  color: var(--gray-900);
  letter-spacing: -0.02em;
}

h1 { font-size: clamp(2.25rem, 5vw, 3rem); }
h2 { font-size: clamp(1.75rem, 4vw, 2.25rem); }
h3 { font-size: clamp(1.25rem, 3vw, 1.5rem); }
h4 { font-size: 1.125rem; font-family: var(--font-body); font-weight: 600; }

p { color: var(--gray-700); }

.eyebrow {
  font-family: var(--font-body);
  font-size: 0.875rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--gold);
  margin-bottom: 0.75rem;
}

.section-title {
  text-align: center;
  margin-bottom: 1rem;
}

.section-subtitle {
  text-align: center;
  color: var(--gray-500);
  max-width: 640px;
  margin: 0 auto 3rem;
  font-size: 1.0625rem;
}

/* ---------- Layout ---------- */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 var(--container-padding);
}

.section {
  padding: clamp(3rem, 8vw, 6rem) 0;
}

.section-light {
  background: var(--gray-50);
}

.section-dark {
  background: var(--navy);
  color: var(--white);
}

.section-dark h1,
.section-dark h2,
.section-dark h3 {
  color: var(--white);
}

.section-dark p {
  color: rgba(255, 255, 255, 0.85);
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.875rem 1.75rem;
  font-size: 1rem;
  font-weight: 600;
  border-radius: var(--radius-md);
  transition: all var(--transition);
  cursor: pointer;
  white-space: nowrap;
  border: 2px solid transparent;
  line-height: 1;
}

.btn-primary {
  background: var(--gold);
  color: var(--white);
  box-shadow: var(--shadow-gold);
}

.btn-primary:hover {
  background: var(--gold-dark);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 12px 24px rgba(212, 160, 23, 0.35);
}

.btn-secondary {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}

.btn-secondary:hover {
  background: var(--navy);
  color: var(--white);
}

.btn-on-dark {
  background: var(--white);
  color: var(--navy);
}

.btn-on-dark:hover {
  background: var(--gray-100);
  color: var(--navy);
  transform: translateY(-2px);
}

.btn-outline-light {
  background: transparent;
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.4);
}

.btn-outline-light:hover {
  background: var(--white);
  color: var(--navy);
}

.btn-lg {
  padding: 1.125rem 2.25rem;
  font-size: 1.0625rem;
}

.btn-block {
  width: 100%;
}

.btn:disabled {
  opacity: 0.6;
  cursor: not-allowed;
  transform: none !important;
}

/* ---------- Navigation ---------- */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: saturate(180%) blur(12px);
  -webkit-backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid var(--gray-200);
  transition: box-shadow var(--transition);
}

.nav.scrolled {
  box-shadow: var(--shadow-sm);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 var(--container-padding);
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.25rem;
  color: var(--navy);
  letter-spacing: -0.01em;
  white-space: nowrap;
  flex-shrink: 0;
}

.nav-logo:hover { color: var(--navy); }

.logo-mark {
  width: 40px;
  height: 40px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.logo-mark svg {
  width: 100%;
  height: 100%;
  display: block;
}

@media (max-width: 1100px) {
  .nav-logo { font-size: 1.125rem; }
}

@media (max-width: 480px) {
  .nav-logo { font-size: 1rem; gap: 0.5rem; }
  .logo-mark { width: 34px; height: 34px; }
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 2rem;
  list-style: none;
}

.nav-menu a {
  color: var(--gray-700);
  font-weight: 500;
  font-size: 0.9375rem;
  position: relative;
}

.nav-menu a:hover,
.nav-menu a.active {
  color: var(--navy);
}

.nav-menu a.active::after {
  content: '';
  position: absolute;
  bottom: -6px;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--gold);
  border-radius: 2px;
}

.nav-cta {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.nav-toggle {
  display: none;
  width: 40px;
  height: 40px;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 5px;
  border-radius: var(--radius-sm);
}

.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--gray-900);
  transition: transform var(--transition), opacity var(--transition);
}

.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

@media (max-width: 880px) {
  .nav-menu,
  .nav-cta .btn {
    display: none;
  }
  .nav-toggle { display: flex; }
  .nav-menu.mobile-open {
    display: flex;
    position: absolute;
    top: 72px;
    left: 0;
    right: 0;
    flex-direction: column;
    background: var(--white);
    padding: 1.5rem var(--container-padding) 2rem;
    border-bottom: 1px solid var(--gray-200);
    gap: 1.25rem;
    align-items: flex-start;
    box-shadow: var(--shadow-md);
  }
  .nav-menu.mobile-open .btn {
    display: inline-flex;
    width: 100%;
    margin-top: 0.5rem;
  }
}

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background:
    radial-gradient(ellipse at top right, rgba(212, 160, 23, 0.12), transparent 50%),
    radial-gradient(ellipse at bottom left, rgba(30, 58, 138, 0.08), transparent 50%),
    linear-gradient(180deg, #fefefe 0%, #f8fafc 100%);
  padding: clamp(3rem, 8vw, 5rem) 0 clamp(3rem, 6vw, 4rem);
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(30, 58, 138, 0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(30, 58, 138, 0.04) 1px, transparent 1px);
  background-size: 48px 48px;
  -webkit-mask-image: radial-gradient(ellipse at center, black 30%, transparent 70%);
  mask-image: radial-gradient(ellipse at center, black 30%, transparent 70%);
  pointer-events: none;
}

.hero-inner {
  position: relative;
  text-align: center;
  max-width: 820px;
  margin: 0 auto;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--white);
  color: var(--navy);
  padding: 0.5rem 1rem;
  border-radius: 999px;
  font-size: 0.875rem;
  font-weight: 600;
  border: 1px solid var(--gray-200);
  box-shadow: var(--shadow-sm);
  margin-bottom: 1.5rem;
}

.hero-badge::before {
  content: '';
  width: 8px;
  height: 8px;
  background: var(--green);
  border-radius: 50%;
  box-shadow: 0 0 0 3px rgba(22, 163, 74, 0.2);
  animation: pulse 2s ease-in-out infinite;
}

@keyframes pulse {
  0%, 100% { box-shadow: 0 0 0 3px rgba(22, 163, 74, 0.2); }
  50% { box-shadow: 0 0 0 6px rgba(22, 163, 74, 0); }
}

.hero h1 {
  font-size: clamp(2.5rem, 6vw, 3.75rem);
  margin-bottom: 1.25rem;
}

.hero h1 .accent {
  color: var(--navy);
  position: relative;
  display: inline-block;
}

.hero h1 .accent::after {
  content: '';
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0.05em;
  height: 0.18em;
  background: var(--gold);
  opacity: 0.35;
  z-index: -1;
  border-radius: 2px;
}

.hero p.lead {
  font-size: clamp(1.0625rem, 2.5vw, 1.25rem);
  color: var(--gray-700);
  max-width: 600px;
  margin: 0 auto 2rem;
}

.hero-ctas {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 2.5rem;
}

.hero-trust {
  display: flex;
  gap: 2rem;
  justify-content: center;
  flex-wrap: wrap;
  font-size: 0.9375rem;
  color: var(--gray-700);
}

.hero-trust span {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
}

.check-icon {
  display: inline-grid;
  place-items: center;
  width: 20px;
  height: 20px;
  background: var(--green-light);
  color: var(--green);
  border-radius: 50%;
  flex-shrink: 0;
}

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

/* ---------- Page Hero (smaller, for inner pages) ---------- */
.page-hero {
  background:
    radial-gradient(ellipse at top right, rgba(212, 160, 23, 0.1), transparent 50%),
    linear-gradient(180deg, #fefefe 0%, #f8fafc 100%);
  padding: clamp(3rem, 6vw, 5rem) 0 clamp(2rem, 4vw, 3rem);
  text-align: center;
  border-bottom: 1px solid var(--gray-200);
}

.page-hero h1 {
  margin-bottom: 1rem;
}

.page-hero p {
  font-size: 1.125rem;
  color: var(--gray-500);
  max-width: 640px;
  margin: 0 auto;
}

.breadcrumbs {
  font-size: 0.875rem;
  color: var(--gray-500);
  margin-bottom: 1rem;
}

.breadcrumbs a {
  color: var(--gray-500);
}

.breadcrumbs a:hover { color: var(--navy); }

/* ---------- Calculator ---------- */
.calculator {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: clamp(1.75rem, 4vw, 2.75rem);
  box-shadow: var(--shadow-lg);
  max-width: 720px;
  margin: 0 auto;
  border: 1px solid var(--gray-200);
  position: relative;
}

.calculator::before {
  content: '';
  position: absolute;
  top: -1px;
  left: 1.5rem;
  right: 1.5rem;
  height: 4px;
  background: linear-gradient(90deg, var(--navy), var(--gold));
  border-radius: 4px 4px 0 0;
}

.calculator h2 {
  text-align: center;
  margin-bottom: 0.5rem;
}

.calculator-subtitle {
  text-align: center;
  color: var(--gray-500);
  margin-bottom: 2rem;
  font-size: 0.9375rem;
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
}

.form-grid .full {
  grid-column: 1 / -1;
}

@media (max-width: 560px) {
  .form-grid { grid-template-columns: 1fr; }
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.form-group label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--gray-700);
}

.form-group label .optional {
  font-weight: 400;
  color: var(--gray-500);
  font-size: 0.8125rem;
}

.form-group input,
.form-group select,
.form-group textarea {
  padding: 0.75rem 0.875rem;
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-md);
  color: var(--gray-900);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.form-group textarea {
  resize: vertical;
  min-height: 100px;
  font-family: inherit;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 4px rgba(30, 58, 138, 0.1);
}

.form-group .error-msg {
  color: var(--red);
  font-size: 0.8125rem;
  display: none;
}

.form-group.has-error input,
.form-group.has-error select {
  border-color: var(--red);
}

.form-group.has-error .error-msg { display: block; }

/* Slider */
.slider-group {
  grid-column: 1 / -1;
}

.slider-wrap {
  position: relative;
  padding-top: 0.25rem;
}

.condition-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  background: linear-gradient(90deg, #fee2e2 0%, #fef3c7 50%, #dcfce7 100%);
  border-radius: 999px;
  outline: none;
  cursor: pointer;
}

.condition-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 24px;
  height: 24px;
  background: var(--navy);
  border: 3px solid var(--white);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: var(--shadow-md);
  transition: transform var(--transition-fast);
}

.condition-slider::-webkit-slider-thumb:hover { transform: scale(1.15); }

.condition-slider::-moz-range-thumb {
  width: 24px;
  height: 24px;
  background: var(--navy);
  border: 3px solid var(--white);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: var(--shadow-md);
}

.slider-labels {
  display: flex;
  justify-content: space-between;
  margin-top: 0.625rem;
  font-size: 0.8125rem;
  color: var(--gray-500);
}

.slider-value {
  text-align: center;
  margin-top: 0.5rem;
  font-weight: 600;
  color: var(--navy);
  font-size: 0.9375rem;
}

.calc-submit {
  margin-top: 1.5rem;
}

.calc-result {
  margin-top: 2rem;
  padding: 1.75rem;
  background: linear-gradient(135deg, rgba(30, 58, 138, 0.04), rgba(212, 160, 23, 0.06));
  border-radius: var(--radius-lg);
  text-align: center;
  border: 1px solid var(--gray-200);
  display: none;
}

.calc-result.show {
  display: block;
  animation: slideUp 0.5s cubic-bezier(0.16, 1, 0.3, 1);
}

@keyframes slideUp {
  from { opacity: 0; transform: translateY(16px); }
  to { opacity: 1; transform: translateY(0); }
}

.calc-result-label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 0.5rem;
}

.calc-result-range {
  font-family: var(--font-display);
  font-size: clamp(1.875rem, 5vw, 2.5rem);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 0.75rem;
  letter-spacing: -0.02em;
}

.calc-result-disclaimer {
  color: var(--gray-500);
  font-size: 0.875rem;
  max-width: 480px;
  margin: 0 auto 1.25rem;
  line-height: 1.5;
}

/* ---------- Steps (How It Works) ---------- */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 2rem;
  position: relative;
}

.step-card {
  text-align: center;
  position: relative;
}

.step-number {
  width: 64px;
  height: 64px;
  background: var(--white);
  color: var(--navy);
  border: 2px solid var(--navy);
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 700;
  margin: 0 auto 1.25rem;
  position: relative;
  z-index: 2;
}

.section-dark .step-number {
  background: var(--navy);
  color: var(--gold);
  border-color: var(--gold);
}

.step-card h3 {
  margin-bottom: 0.75rem;
}

.step-card p {
  color: var(--gray-500);
}

.section-dark .step-card p {
  color: rgba(255, 255, 255, 0.75);
}

.step-icon {
  width: 56px;
  height: 56px;
  background: rgba(30, 58, 138, 0.08);
  color: var(--navy);
  border-radius: var(--radius-lg);
  display: grid;
  place-items: center;
  margin: 0 auto 1.25rem;
}

.step-icon svg { width: 28px; height: 28px; }

/* ---------- Benefits Grid ---------- */
.benefits-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
}

.benefit-card {
  background: var(--white);
  padding: 2rem;
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-200);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}

.benefit-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--gold);
}

.benefit-icon {
  width: 48px;
  height: 48px;
  background: rgba(212, 160, 23, 0.12);
  color: var(--gold);
  border-radius: var(--radius-md);
  display: grid;
  place-items: center;
  margin-bottom: 1.25rem;
}

.benefit-icon svg { width: 24px; height: 24px; }

.benefit-card h3 {
  font-size: 1.1875rem;
  margin-bottom: 0.5rem;
}

.benefit-card p {
  color: var(--gray-500);
  font-size: 0.9375rem;
}

/* ---------- Areas ---------- */
.areas-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
}

@media (max-width: 720px) {
  .areas-grid { grid-template-columns: 1fr; gap: 2rem; }
}

.area-state {
  background: var(--white);
  padding: 2rem;
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-200);
}

.area-state h3 {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  margin-bottom: 1.25rem;
  color: var(--navy);
}

.state-flag {
  display: inline-grid;
  place-items: center;
  width: 32px;
  height: 32px;
  background: var(--gold);
  color: var(--white);
  border-radius: var(--radius-sm);
  font-size: 0.875rem;
  font-weight: 700;
}

.city-list {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
}

.city-list li a,
.city-pill {
  display: inline-block;
  padding: 0.5rem 1rem;
  background: var(--gray-50);
  color: var(--gray-700);
  border-radius: 999px;
  font-size: 0.875rem;
  font-weight: 500;
  border: 1px solid var(--gray-200);
  transition: all var(--transition-fast);
  cursor: pointer;
}

.city-list li a:hover,
.city-pill:hover {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}

/* ---------- Stats ---------- */
.stats-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 2rem;
  text-align: center;
}

.stat-number {
  font-family: var(--font-display);
  font-size: clamp(2.25rem, 5vw, 3rem);
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 0.5rem;
  letter-spacing: -0.02em;
}

.stat-label {
  font-size: 0.9375rem;
  color: rgba(255, 255, 255, 0.8);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 500;
}

.section:not(.section-dark) .stat-number { color: var(--navy); }
.section:not(.section-dark) .stat-label { color: var(--gray-500); }

/* ---------- Testimonials ---------- */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.5rem;
}

.testimonial {
  background: var(--white);
  padding: 2rem;
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-200);
  position: relative;
  transition: transform var(--transition), box-shadow var(--transition);
}

.testimonial:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.stars {
  display: flex;
  gap: 2px;
  color: var(--gold);
  margin-bottom: 1rem;
}

.stars svg { width: 18px; height: 18px; }

.testimonial-quote {
  font-size: 1rem;
  color: var(--gray-700);
  margin-bottom: 1.25rem;
  line-height: 1.6;
  font-style: italic;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 0.875rem;
  padding-top: 1rem;
  border-top: 1px solid var(--gray-200);
}

.author-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  color: var(--white);
  display: grid;
  place-items: center;
  font-weight: 600;
  font-size: 0.9375rem;
}

.author-name {
  font-weight: 600;
  color: var(--gray-900);
  font-size: 0.9375rem;
}

.author-location {
  font-size: 0.8125rem;
  color: var(--gray-500);
}

/* ---------- FAQ ---------- */
.faq-list {
  max-width: 760px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

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

.faq-item.open {
  border-color: var(--navy);
  box-shadow: var(--shadow-sm);
}

.faq-question {
  width: 100%;
  padding: 1.125rem 1.25rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  text-align: left;
  font-size: 1rem;
  font-weight: 600;
  color: var(--gray-900);
  background: none;
  cursor: pointer;
  gap: 1rem;
}

.faq-question:hover { color: var(--navy); }

.faq-icon {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  display: grid;
  place-items: center;
  background: var(--gray-50);
  border-radius: 50%;
  color: var(--navy);
  transition: transform var(--transition);
}

.faq-item.open .faq-icon {
  transform: rotate(45deg);
  background: var(--navy);
  color: var(--white);
}

.faq-icon svg { width: 14px; height: 14px; }

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--transition);
}

.faq-answer-inner {
  padding: 0 1.25rem 1.25rem;
  color: var(--gray-700);
  line-height: 1.65;
}

/* ---------- CTA Section ---------- */
.cta-band {
  background:
    radial-gradient(ellipse at top right, rgba(212, 160, 23, 0.2), transparent 50%),
    linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: var(--white);
  padding: clamp(3rem, 6vw, 5rem) 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-band::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.04) 1px, transparent 1px);
  background-size: 48px 48px;
  -webkit-mask-image: radial-gradient(ellipse at center, black 30%, transparent 70%);
  mask-image: radial-gradient(ellipse at center, black 30%, transparent 70%);
  pointer-events: none;
}

.cta-band-inner { position: relative; max-width: 720px; margin: 0 auto; }

.cta-band h2 {
  color: var(--white);
  margin-bottom: 1rem;
}

.cta-band p {
  color: rgba(255, 255, 255, 0.85);
  font-size: 1.125rem;
  margin-bottom: 2rem;
}

/* ---------- Footer ---------- */
.footer {
  background: var(--gray-900);
  color: rgba(255, 255, 255, 0.7);
  padding: 4rem 0 2rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 3rem;
  margin-bottom: 3rem;
}

@media (max-width: 800px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem; }
}

@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; }
}

.footer-brand .nav-logo {
  color: var(--white);
  margin-bottom: 1rem;
}

.footer-brand .nav-logo:hover { color: var(--white); }

.footer-tagline {
  font-style: italic;
  color: rgba(255, 255, 255, 0.6);
  font-size: 0.9375rem;
  margin-bottom: 1rem;
  max-width: 280px;
}

.footer-contact {
  font-size: 0.875rem;
  color: rgba(255, 255, 255, 0.6);
}

.footer-contact a { color: var(--gold-light); }
.footer-contact a:hover { color: var(--white); }

.footer-col h4 {
  color: var(--white);
  font-size: 0.875rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 1.25rem;
}

.footer-col ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.625rem;
}

.footer-col a {
  color: rgba(255, 255, 255, 0.6);
  font-size: 0.9375rem;
}

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

.footer-bottom {
  padding-top: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  flex-wrap: wrap;
  gap: 1rem;
  font-size: 0.8125rem;
  color: rgba(255, 255, 255, 0.5);
}

.footer-disclaimer {
  flex: 1;
  min-width: 280px;
  max-width: 720px;
  line-height: 1.5;
}

/* ---------- Multi-step Form (Offer page) ---------- */
.offer-form-wrap {
  max-width: 760px;
  margin: 0 auto;
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: clamp(1.75rem, 4vw, 3rem);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--gray-200);
}

.stepper {
  display: flex;
  justify-content: space-between;
  margin-bottom: 2.5rem;
  position: relative;
}

.stepper::before {
  content: '';
  position: absolute;
  top: 16px;
  left: 16px;
  right: 16px;
  height: 2px;
  background: var(--gray-200);
  z-index: 0;
}

.stepper-progress {
  position: absolute;
  top: 16px;
  left: 16px;
  height: 2px;
  background: var(--gold);
  z-index: 1;
  transition: width var(--transition);
  width: 0%;
}

.stepper-item {
  position: relative;
  z-index: 2;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.5rem;
  flex: 1;
}

.stepper-circle {
  width: 32px;
  height: 32px;
  background: var(--white);
  border: 2px solid var(--gray-300);
  color: var(--gray-500);
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-weight: 600;
  font-size: 0.875rem;
  transition: all var(--transition);
}

.stepper-item.active .stepper-circle {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}

.stepper-item.complete .stepper-circle {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--white);
}

.stepper-label {
  font-size: 0.75rem;
  color: var(--gray-500);
  font-weight: 500;
  text-align: center;
}

.stepper-item.active .stepper-label,
.stepper-item.complete .stepper-label {
  color: var(--gray-900);
}

@media (max-width: 560px) {
  .stepper-label { display: none; }
}

.form-step {
  display: none;
}

.form-step.active {
  display: block;
  animation: fadeIn 0.4s ease;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

.form-step h3 {
  margin-bottom: 0.5rem;
}

.form-step-subtitle {
  color: var(--gray-500);
  margin-bottom: 1.75rem;
  font-size: 0.9375rem;
}

.checkbox-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 0.75rem;
}

.checkbox-card {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  padding: 0.75rem 1rem;
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-md);
  cursor: pointer;
  transition: all var(--transition-fast);
  font-size: 0.9375rem;
}

.checkbox-card:hover { border-color: var(--gray-300); }

.checkbox-card input {
  width: 18px;
  height: 18px;
  accent-color: var(--navy);
  cursor: pointer;
}

.checkbox-card input:checked + span { font-weight: 600; color: var(--navy); }

.checkbox-card:has(input:checked) {
  border-color: var(--navy);
  background: rgba(30, 58, 138, 0.04);
}

.radio-row {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
}

.radio-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.625rem 1.125rem;
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: 999px;
  cursor: pointer;
  transition: all var(--transition-fast);
  font-size: 0.9375rem;
}

.radio-pill input { display: none; }

.radio-pill:has(input:checked) {
  border-color: var(--navy);
  background: var(--navy);
  color: var(--white);
}

.form-nav {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  margin-top: 2rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--gray-200);
}

.form-nav .btn-secondary {
  visibility: hidden;
}

.form-nav .btn-secondary.show { visibility: visible; }

.form-success {
  display: none;
  text-align: center;
  padding: 2rem 1rem;
}

.form-success.show {
  display: block;
  animation: fadeIn 0.5s ease;
}

.success-icon {
  width: 80px;
  height: 80px;
  background: var(--green-light);
  color: var(--green);
  border-radius: 50%;
  display: grid;
  place-items: center;
  margin: 0 auto 1.5rem;
}

.success-icon svg { width: 40px; height: 40px; }

.form-success h3 {
  font-size: 1.75rem;
  margin-bottom: 0.75rem;
}

.form-success p {
  font-size: 1.0625rem;
  max-width: 480px;
  margin: 0 auto 1.5rem;
}

.form-error-banner {
  display: none;
  padding: 1rem;
  background: var(--red-light);
  color: var(--red);
  border-radius: var(--radius-md);
  margin-bottom: 1rem;
  font-size: 0.9375rem;
}

.form-error-banner.show { display: block; }

/* ---------- Process timeline (How it works page) ---------- */
.timeline {
  max-width: 720px;
  margin: 0 auto;
  position: relative;
  padding-left: 3rem;
}

.timeline::before {
  content: '';
  position: absolute;
  top: 0;
  bottom: 0;
  left: 18px;
  width: 2px;
  background: var(--gray-200);
}

.timeline-item {
  position: relative;
  padding-bottom: 2.5rem;
}

.timeline-item:last-child { padding-bottom: 0; }

.timeline-item::before {
  content: counter(step);
  counter-increment: step;
  position: absolute;
  left: -3rem;
  top: 0;
  width: 38px;
  height: 38px;
  background: var(--navy);
  color: var(--white);
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-weight: 700;
  font-family: var(--font-display);
  border: 3px solid var(--white);
  box-shadow: 0 0 0 2px var(--navy);
  font-size: 1rem;
}

.timeline { counter-reset: step; }

.timeline-item h3 {
  margin-bottom: 0.5rem;
  font-size: 1.25rem;
}

.timeline-time {
  display: inline-block;
  font-size: 0.8125rem;
  color: var(--gold);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 0.5rem;
}

/* ---------- Values cards (about page) ---------- */
.values-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.5rem;
}

.value-card {
  background: var(--white);
  padding: 1.75rem;
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-200);
  text-align: center;
}

.value-card .step-icon {
  background: rgba(212, 160, 23, 0.12);
  color: var(--gold);
}

/* ---------- Two column layouts ---------- */
.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

@media (max-width: 800px) {
  .two-col { grid-template-columns: 1fr; gap: 2.5rem; }
}

.two-col h2 { margin-bottom: 1rem; }
.two-col p { margin-bottom: 1rem; color: var(--gray-700); }

.image-card {
  background: linear-gradient(135deg, var(--navy), var(--navy-dark));
  border-radius: var(--radius-xl);
  aspect-ratio: 4 / 3;
  position: relative;
  overflow: hidden;
  display: grid;
  place-items: center;
  color: var(--gold);
}

.image-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.06) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.06) 1px, transparent 1px);
  background-size: 32px 32px;
}

.image-card-content {
  position: relative;
  text-align: center;
  padding: 2rem;
}

.image-card-content svg {
  width: 80px;
  height: 80px;
  margin-bottom: 1rem;
  opacity: 0.9;
}

.image-card-content h3 {
  color: var(--white);
  margin-bottom: 0.5rem;
}

.image-card-content p {
  color: rgba(255, 255, 255, 0.7);
}

/* ---------- Reviews page filters ---------- */
.review-filters {
  display: flex;
  justify-content: center;
  gap: 0.75rem;
  margin-bottom: 3rem;
  flex-wrap: wrap;
}

.filter-btn {
  padding: 0.5rem 1.25rem;
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: 999px;
  color: var(--gray-700);
  font-weight: 500;
  font-size: 0.9375rem;
  cursor: pointer;
  transition: all var(--transition-fast);
}

.filter-btn:hover { border-color: var(--gray-300); }

.filter-btn.active {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}

/* ---------- Areas page detailed cards ---------- */
.area-cities-detail {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.5rem;
  margin-top: 2rem;
}

.city-card {
  background: var(--white);
  padding: 1.5rem;
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-200);
  transition: all var(--transition);
}

.city-card:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.city-card h4 {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 700;
  margin-bottom: 0.5rem;
  color: var(--navy);
}

.city-card p {
  color: var(--gray-500);
  font-size: 0.9375rem;
  margin-bottom: 1rem;
}

.city-card .small-cta {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--gold);
}

/* ---------- Misc ---------- */
.text-center { text-align: center; }
.mt-4 { margin-top: 2rem; }
.mb-4 { margin-bottom: 2rem; }

.legal-content {
  max-width: 760px;
  margin: 0 auto;
}

.legal-content h2 {
  font-size: 1.5rem;
  margin: 2.5rem 0 1rem;
  text-align: left;
}

.legal-content h2:first-child { margin-top: 0; }

.legal-content p,
.legal-content li {
  color: var(--gray-700);
  margin-bottom: 1rem;
  line-height: 1.7;
}

.legal-content ul {
  padding-left: 1.5rem;
  margin-bottom: 1rem;
}

.legal-content .updated {
  color: var(--gray-500);
  font-size: 0.875rem;
  font-style: italic;
  margin-bottom: 2rem;
}

/* ---------- Print ---------- */
@media print {
  .nav, .footer, .cta-band, .nav-toggle { display: none; }
  body { background: white; color: black; }
  a { color: black; text-decoration: underline; }
}

/* ---------- Reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
  html { scroll-behavior: auto; }
}