:root {
  --green-50: #f0fdf4; --green-100: #dcfce7; --green-200: #bbf7d0;
  --green-500: #22c55e; --green-600: #15803d; --green-700: #166534; --green-800: #14532d; --green-900: #064e3b;
  --amber-500: #f59e0b; --amber-600: #d97706; --amber-700: #b45309;
  --gray-50: #f9fafb; --gray-100: #f3f4f6; --gray-200: #e5e7eb; --gray-300: #d1d5db;
  --gray-400: #9ca3af; --gray-500: #6b7280; --gray-600: #4b5563; --gray-700: #374151; --gray-800: #1f2937; --gray-900: #111827;
  --font-serif: 'DM Serif Display', Georgia, serif;
  --font-sans: 'DM Sans', -apple-system, sans-serif;
  --grad: linear-gradient(165deg, #064e3b 0%, #166534 40%, #15803d 70%, #22c55e 100%);
  --max-w: 1200px; --max-narrow: 800px;
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: var(--font-sans); color: var(--gray-900); background: #fff; line-height: 1.6; }
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }

/* AUTHOR BYLINE */
.author-byline { display:flex; align-items:center; gap:16px; padding:20px 24px; background:var(--gray-50); border:1px solid var(--gray-200); border-radius:10px; margin:0 0 32px; }
.author-byline-avatar { width:52px; height:52px; border-radius:50%; background:var(--green-800); color:#fff; display:flex; align-items:center; justify-content:center; font-family:var(--font-serif); font-size:20px; flex-shrink:0; }
.author-byline-info { font-size:14px; line-height:1.5; color:var(--gray-600); }
.author-byline-info strong { color:var(--gray-900); font-size:15px; }
.author-byline-info a { color:var(--green-700); font-weight:600; }
.author-byline-info a:hover { text-decoration:underline; }

/* TEAM BIO PAGE */
.bio-header { display:flex; gap:32px; align-items:flex-start; margin:0 0 40px; }
.bio-avatar-lg { width:120px; height:120px; border-radius:50%; background:var(--green-800); color:#fff; display:flex; align-items:center; justify-content:center; font-family:var(--font-serif); font-size:44px; flex-shrink:0; }
.bio-header-info h2 { font-family:var(--font-serif); font-size:28px; margin:0 0 4px; }
.bio-header-info .bio-title { font-size:16px; color:var(--green-700); font-weight:600; margin:0 0 12px; }
.bio-credentials { display:flex; flex-wrap:wrap; gap:8px; }
.bio-credential-tag { display:inline-block; padding:4px 12px; background:var(--green-50); border:1px solid var(--green-200); border-radius:20px; font-size:13px; color:var(--green-800); font-weight:500; }
.bio-section { margin:0 0 36px; }
.bio-section h3 { font-family:var(--font-serif); font-size:22px; margin:0 0 14px; }
.bio-stat-grid { display:grid; grid-template-columns:repeat(auto-fit, minmax(200px, 1fr)); gap:16px; margin:16px 0 0; }
.bio-stat { text-align:center; padding:20px; background:var(--green-50); border-radius:10px; }
.bio-stat-num { font-family:var(--font-serif); font-size:28px; color:var(--green-800); font-variant-numeric:tabular-nums; }
.bio-stat-label { font-size:14px; color:var(--gray-600); margin-top:4px; }
@media(max-width:768px) {
  .bio-header { flex-direction:column; align-items:center; text-align:center; }
  .bio-credentials { justify-content:center; }
  .author-byline { flex-direction:column; text-align:center; }
}

/* NAV */
.nav { position: fixed; top: 0; left: 0; right: 0; z-index: 100; transition: background 0.35s ease, box-shadow 0.35s ease; }
.nav.solid { background: rgba(255,255,255,0.97); backdrop-filter: blur(12px); box-shadow: 0 1px 12px rgba(0,0,0,0.06); }
/* Home nav: white text on transparent, dark text when scrolled */
.nav-home .nav-links a { color: #fff; transition: color 0.35s ease; }
.nav-home .nav-phone { color: #fff; transition: color 0.35s ease; }
.nav-home .nav-logo-text { color: #fff; transition: color 0.35s ease; }
.nav-home .nav-logo-sub { color: rgba(255,255,255,0.5); transition: color 0.35s ease; }
.nav-home .nav-logo-icon { color: #fff; transition: color 0.35s ease; }
.nav-home .shield-stroke { stroke: rgba(255,255,255,0.6); transition: stroke 0.35s ease; }
.nav-home .shield-fill { fill: rgba(255,255,255,0.05); transition: fill 0.35s ease; }
.nav-home .shield-text { fill: #fff; transition: fill 0.35s ease; }
.nav-home .nav-mobile-btn { color: #fff; transition: color 0.35s ease; }
.nav-home.solid .nav-links a { color: var(--gray-700); }
.nav-home.solid .nav-phone { color: var(--green-700); }
.nav-home.solid .nav-logo-text { color: var(--gray-900); }
.nav-home.solid .nav-logo-sub { color: var(--gray-500); }
.nav-home.solid .shield-stroke { stroke: var(--green-700); }
.nav-home.solid .shield-fill { fill: var(--green-50); }
.nav-home.solid .shield-text { fill: var(--green-800); }
.nav-home.solid .nav-mobile-btn { color: var(--gray-700); }
/* Inner pages: always dark (nav starts with .solid) */
.nav.solid .nav-links a { color: var(--gray-700); }
.nav.solid .nav-phone { color: var(--green-700); }
.nav.solid .nav-logo-text { color: var(--gray-900); }
.nav.solid .nav-logo-sub { color: var(--gray-500); }
.nav.solid .shield-stroke { stroke: var(--green-700); }
.nav.solid .shield-fill { fill: var(--green-50); }
.nav.solid .shield-text { fill: var(--green-800); }
.nav.solid .nav-mobile-btn { color: var(--gray-700); }
.nav-inner { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; display: flex; align-items: center; justify-content: space-between; height: 84px; }
.nav-logo { display: flex; align-items: center; gap: 13px; }
.nav-logo-icon { width: 46px; height: 51px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.nav-logo-text { font-family: var(--font-serif); font-size: 21px; font-weight: 400; line-height: 1.1; }
.nav-logo-sub { font-size: 12px; letter-spacing: 2.5px; text-transform: uppercase; font-weight: 700; margin-top: 2px; }
.nav-links { display: flex; align-items: center; gap: 24px; }
.nav-links a { font-size: 15px; font-weight: 500; }
.nav-dropdown { position: relative; }
.nav-dropdown-trigger { cursor: pointer; }
.nav-dropdown-menu { display: none; position: absolute; top: 100%; left: 50%; transform: translateX(-50%); min-width: 220px; background: #fff; border-radius: 10px; box-shadow: 0 8px 32px rgba(0,0,0,0.12); padding: 8px 0; margin-top: 12px; z-index: 100; }
.nav-dropdown-menu::after { content: ''; position: absolute; top: -12px; left: 0; width: 100%; height: 12px; }
.nav-dropdown-menu::before { content: ''; position: absolute; top: -6px; left: 50%; transform: translateX(-50%); width: 12px; height: 12px; background: #fff; rotate: 45deg; border-radius: 2px; }
.nav-dropdown-menu a { display: block; padding: 9px 18px; font-size: 13.5px; font-weight: 500; color: var(--gray-700) !important; text-decoration: none; transition: background 0.15s; white-space: nowrap; }
.nav-dropdown-menu a:hover { background: var(--green-50); color: var(--green-700) !important; }
.nav-dropdown:hover .nav-dropdown-menu { display: block; }
.nav-phone { font-weight: 700 !important; }
.nav-cta { background: var(--green-600); color: #fff !important; border: none; border-radius: 8px; padding: 9px 20px; font-size: 13.5px; font-weight: 600; }
.nav-cta:hover { background: var(--green-700); }
.nav-mobile-btn { display: none; background: none; border: none; cursor: pointer; font-size: 26px; padding: 4px; }
.nav-mobile-menu { display: none; background: #fff; padding: 12px 24px 20px; border-top: 1px solid var(--gray-200); }
.nav-mobile-menu a { display: block; font-size: 16px; font-weight: 500; color: var(--gray-700); padding: 11px 0; border-bottom: 1px solid var(--gray-100); }
.nav-mobile-menu .nav-cta { display: block; width: 100%; text-align: center; padding: 13px; margin-top: 6px; border-radius: 10px; border-bottom: none; color: #fff; }

/* HERO */
.hero { position: relative; background: var(--grad); padding: 110px 24px 56px; overflow: hidden; }
.hero-compact { padding: 100px 24px 36px; }
.hero-compact h1 { font-size: clamp(26px, 3.5vw, 40px); margin-bottom: 10px; }
.hero-compact p { font-size: 16px; }
.hero-bg { position: absolute; inset: 0; overflow: hidden; }
.hero-bg img { width: 100%; height: 100%; object-fit: cover; }
.hero-overlay { position: absolute; inset: 0; }
.hero-home { min-height: 100vh; display: flex; align-items: center; padding: 0; }
.hero-home .hero-inner { padding: 100px 24px 64px; }
.hero-inner { max-width: var(--max-w); margin: 0 auto; position: relative; z-index: 1; }
.hero-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: center; }
.hero-circle { position: absolute; border-radius: 50%; background: rgba(255,255,255,0.03); }
.hero-pill { display: inline-block; background: rgba(255,255,255,0.13); border-radius: 100px; padding: 6px 16px; margin-bottom: 22px; font-size: 13px; font-weight: 600; color: #fff; letter-spacing: 0.5px; }
.hero h1, .hero-h1 { font-family: var(--font-serif); font-size: clamp(32px, 4.5vw, 56px); font-weight: 400; line-height: 1.12; color: #fff; margin: 0 0 18px; text-wrap: balance; }
.hero h1 span, .hero-h1 span { color: var(--green-200); }
.hero p, .hero-p { font-size: 18px; line-height: 1.65; color: rgba(255,255,255,0.85); max-width: 640px; }
.hero-breadcrumb { margin-bottom: 16px; font-size: 14px; color: rgba(255,255,255,0.6); }
.hero-breadcrumb a { color: rgba(255,255,255,0.6); }
.hero-breadcrumb .current { color: rgba(255,255,255,0.9); }
.hero-btns { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 32px; }
.btn-white { background: #fff; color: var(--green-700); border: none; border-radius: 10px; padding: 15px 32px; font-family: var(--font-sans); font-size: 16px; font-weight: 700; cursor: pointer; box-shadow: 0 4px 24px rgba(0,0,0,0.12); display: inline-block; }
.btn-white:hover { background: #f8f8f8; }
.btn-outline { display: inline-flex; align-items: center; gap: 8px; background: rgba(255,255,255,0.12); color: #fff; border: 1.5px solid rgba(255,255,255,0.3); border-radius: 10px; padding: 15px 28px; font-size: 16px; font-weight: 600; }
.btn-primary { background: var(--green-600); color: #fff; border: none; border-radius: 10px; padding: 14px 28px; font-family: var(--font-sans); font-size: 16px; font-weight: 700; cursor: pointer; display: inline-block; text-align: center; }
.btn-primary:hover { background: var(--green-700); }

/* GLASS CARD (hero form) */
.glass-card { background: rgba(255,255,255,0.1); backdrop-filter: blur(16px); border: 1px solid rgba(255,255,255,0.2); border-radius: 20px; padding: 32px 28px; max-width: 420px; }
.glass-card h3 { font-family: var(--font-serif); font-size: 21px; color: #fff; margin: 0 0 4px; }
.glass-card .sub { font-size: 14px; color: rgba(255,255,255,0.7); margin: 0 0 22px; }

/* SECTIONS */
.section { padding: 64px 24px; }
.section-alt { background: #f8faf8; }
.section-dark { background: var(--green-900); }
.container { max-width: var(--max-w); margin: 0 auto; }
.narrow { max-width: var(--max-narrow); margin: 0 auto; }
.section-label { font-size: 13px; font-weight: 700; color: var(--green-600); letter-spacing: 2.5px; text-transform: uppercase; margin-bottom: 12px; }
.section-dark .section-label { color: #4ade80; }
h2 { font-family: var(--font-serif); font-size: clamp(28px, 3.5vw, 42px); color: var(--gray-900); margin: 0 0 12px; line-height: 1.15; text-wrap: balance; }
h3 { font-family: var(--font-serif); font-size: 24px; color: var(--gray-900); margin: 20px 0 10px; text-wrap: balance; }
.body-text { font-size: 16.5px; color: var(--gray-600); line-height: 1.75; margin: 0 0 16px; }
.text-center { text-align: center; }

/* GRIDS */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; text-align: center; }
.content-grid { display: grid; grid-template-columns: 2fr 1fr; gap: 40px; align-items: start; }
.auto-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 20px; }

/* CARDS */
.card { background: #fff; border-radius: 16px; padding: 26px 24px; border: 1px solid var(--gray-200); box-shadow: 0 1px 4px rgba(0,0,0,0.04); }
.card-link { display: block; transition: box-shadow 0.2s, transform 0.2s; }
.card-link:hover { box-shadow: 0 4px 20px rgba(0,0,0,0.08); transform: translateY(-2px); }
.card h3, .card h4 { font-family: var(--font-serif); font-size: 18px; color: var(--gray-900); margin: 0 0 8px; }
.card .arrow { font-size: 14px; color: var(--green-600); font-weight: 600; }

/* SIDEBAR FORM */
.sidebar-form { position: sticky; top: 90px; }
.sidebar-form .card { background: var(--green-50); border: 1px solid var(--green-200); }
.sidebar-form h3 { font-family: var(--font-serif); font-size: 19px; margin: 0 0 4px; }
.sidebar-form .sub { font-size: 13px; color: var(--gray-500); margin: 0 0 18px; }

/* FORMS */
.form-group { margin-bottom: 14px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 14px; }
.form-label { font-size: 12.5px; font-weight: 600; color: var(--gray-700); margin-bottom: 6px; display: block; cursor: pointer; }
.form-label .form-input { margin-top: 6px; }
.form-input { width: 100%; padding: 13px 16px; border-radius: 9px; border: 1.5px solid var(--gray-200); background: #fff; color: var(--gray-900); font-family: var(--font-sans); font-size: 15px; transition: border-color 0.2s; }
.form-input:focus { outline: none; border-color: var(--green-600); box-shadow: 0 0 0 3px rgba(22,163,74,0.1); }
.form-input:focus-visible { outline: 2px solid var(--green-600); outline-offset: 1px; }
.form-input::placeholder { color: var(--gray-400); }
.form-input-dark { background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.25); color: #fff; }
.form-input-dark::placeholder { color: rgba(255,255,255,0.4); }
.form-label-dark { color: rgba(255,255,255,0.8); }
.form-submit { width: 100%; padding: 14px; border-radius: 10px; font-family: var(--font-sans); font-size: 16px; font-weight: 700; cursor: pointer; border: none; margin-top: 4px; }
.form-submit-green { background: var(--green-600); color: #fff; box-shadow: 0 2px 12px rgba(22,163,74,0.3); }
.form-submit-green:hover { background: var(--green-700); }
.form-submit-white { background: #fff; color: var(--green-700); box-shadow: 0 4px 24px rgba(0,0,0,0.12); }
.form-note { font-size: 11.5px; color: var(--gray-400); text-align: center; margin-top: 10px; }
.form-note-dark { color: rgba(255,255,255,0.5); }

/* TRUST BAR */
.trust-bar { background: #fff; border-bottom: 1px solid var(--gray-200); padding: 36px 24px; }
.trust-stat { font-family: var(--font-serif); font-size: 30px; color: var(--green-700); font-variant-numeric: tabular-nums; }
.trust-label { font-size: 13px; color: var(--gray-500); margin-top: 4px; font-weight: 500; }

/* STEP CARDS */
.step-card { position: relative; height: 100%; }
.step-num { position: absolute; top: 18px; right: 22px; font-family: var(--font-serif); font-size: 44px; color: var(--green-50); }
.step-icon { font-size: 34px; margin-bottom: 18px; }
.step-card h3 { font-size: 20px; }

/* KEY POINTS */
.kp { padding: 24px 20px; border-radius: 14px; border: 1px solid var(--gray-200); height: 100%; }
.kp-icon { width: 32px; height: 32px; border-radius: 8px; background: var(--green-50); display: flex; align-items: center; justify-content: center; color: var(--green-600); font-size: 16px; font-weight: 700; margin-bottom: 12px; }
.kp h4 { font-family: var(--font-serif); font-size: 17px; margin: 0 0 8px; }
.kp p { font-size: 14.5px; color: var(--gray-500); line-height: 1.6; margin: 0; }

/* COMPARISON TABLE */
.cmp-table { width: 100%; border-collapse: collapse; font-size: 15px; }
.cmp-table th { padding: 14px 16px; text-align: center; font-weight: 600; }
.cmp-table th:first-child { text-align: left; width: 33%; }
.cmp-table .cmp-highlight { border-bottom: 2px solid var(--green-600); background: var(--green-50); color: var(--green-700); font-weight: 700; }
.cmp-table .cmp-other { border-bottom: 2px solid var(--gray-200); color: var(--gray-500); }
.cmp-table td { padding: 13px 16px; border-bottom: 1px solid var(--gray-100); }
.cmp-table td:first-child { font-weight: 600; color: var(--gray-700); }
.cmp-table td:nth-child(2) { text-align: center; color: var(--green-700); font-weight: 500; }
.cmp-table td:nth-child(3) { text-align: center; color: var(--gray-500); }
.cmp-table tr:nth-child(even) td { background: var(--gray-50); }
.cmp-table tr:nth-child(even) td:nth-child(2) { background: var(--green-50); }

/* FAQ */
.faq-item { border-bottom: 1px solid var(--gray-200); }
.faq-q { width: 100%; background: none; border: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center; text-align: left; padding: 18px 0; font-family: var(--font-sans); font-size: 16px; font-weight: 600; color: var(--gray-900); }
.faq-icon { font-size: 22px; color: var(--green-600); font-weight: 300; min-width: 28px; text-align: center; transition: transform 0.3s; }
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.35s ease; }
.faq-item.open .faq-a { max-height: 500px; }
.faq-a p { font-size: 15px; color: var(--gray-500); line-height: 1.7; padding: 0 40px 16px 0; }


/* CTA BAND */
.cta-band { background: var(--grad); padding: 52px 24px; text-align: center; position: relative; overflow: hidden; }
.cta-band h2 { font-family: var(--font-serif); font-size: clamp(26px, 3vw, 38px); color: #fff; margin: 0 0 16px; }
.cta-band p { font-size: 17px; color: rgba(255,255,255,0.8); line-height: 1.65; margin: 0 0 28px; }
.cta-btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ABOUT SECTION (dark) */
.about-dark { background: var(--green-900); padding: 90px 24px; position: relative; overflow: hidden; }
.about-dark h2 { color: #fff; }
.about-dark p { font-size: 17px; color: rgba(255,255,255,0.8); line-height: 1.75; margin: 0 0 18px; }

/* HOW IT WORKS (timeline) */
.timeline-step { margin-bottom: 40px; padding-left: 36px; border-left: 3px solid var(--green-600); position: relative; }
.timeline-num { position: absolute; left: -18px; top: 0; width: 32px; height: 32px; border-radius: 50%; background: var(--green-600); color: #fff; display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: 14px; }

/* FOOTER */
.footer { background: #0b1610; padding: 0; padding-bottom: 100px; }
.footer-contact { background: linear-gradient(170deg, #0f2118 0%, #0b1610 100%); border-bottom: 1px solid rgba(255,255,255,0.06); padding: 48px 24px; }
.footer-contact-inner { max-width: var(--max-w); margin: 0 auto; display: grid; grid-template-columns: 1fr auto; gap: 40px; align-items: center; }
.footer-brand { display: flex; align-items: center; gap: 14px; margin-bottom: 14px; }
.footer-brand-text { font-family: var(--font-serif); font-size: 18px; color: #fff; }
.footer-tagline { font-size: 14px; color: rgba(255,255,255,0.45); line-height: 1.65; max-width: 380px; margin: 0; }
.footer-contact-grid { display: flex; gap: 20px; }
.footer-contact-card { display: flex !important; align-items: center; gap: 12px; padding: 14px 20px; background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.07); border-radius: 10px; min-width: 200px; }
.footer-contact-card:hover { background: rgba(255,255,255,0.07); border-color: rgba(255,255,255,0.12); }
.footer-cc-icon { width: 36px; height: 36px; border-radius: 8px; background: rgba(22,163,74,0.12); border: 1px solid rgba(22,163,74,0.2); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.footer-cc-label { font-size: 10.5px; font-weight: 600; color: rgba(255,255,255,0.5); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 1px; }
.footer-cc-value { font-size: 14.5px; font-weight: 600; color: #fff; }
.footer-links { padding: 36px 24px; border-bottom: 1px solid rgba(255,255,255,0.05); }
.footer-links-inner { max-width: var(--max-w); margin: 0 auto; display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; }
.footer-col-title { font-size: 11px; font-weight: 700; color: rgba(255,255,255,0.5); letter-spacing: 1.8px; text-transform: uppercase; margin-bottom: 14px; }
.footer a { display: block; font-size: 13px; color: rgba(255,255,255,0.6); padding: 3.5px 0; transition: color 0.15s; }
.footer a:hover { color: #4ade80; }
.footer-viewall { font-weight: 600 !important; color: rgba(255,255,255,0.8) !important; margin-top: 4px; }
.footer-viewall:hover { color: #4ade80 !important; }
.footer-states-bar { padding: 24px 24px; background: rgba(0,0,0,0.15); border-bottom: 1px solid rgba(255,255,255,0.04); }
.footer-states-inner { max-width: var(--max-w); margin: 0 auto; }
.footer-states-label { font-size: 11px; font-weight: 700; color: rgba(255,255,255,0.5); letter-spacing: 1.8px; text-transform: uppercase; margin-bottom: 12px; }
.footer-state-pills { display: flex; flex-wrap: wrap; gap: 6px; align-items: center; }
.footer-state-pill { display: inline-block; font-size: 12px; color: rgba(255,255,255,0.65); padding: 5px 12px; background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.07); border-radius: 100px; transition: all 0.15s; }
.footer-state-pill:hover { color: #fff; background: rgba(22,163,74,0.15); border-color: rgba(22,163,74,0.3); }
.footer-state-pill.all { color: rgba(255,255,255,0.8); font-weight: 600; background: rgba(22,163,74,0.1); border-color: rgba(22,163,74,0.2); }
.footer-bottom-bar { padding: 20px 24px; }
.footer-bottom-inner { max-width: var(--max-w); margin: 0 auto; display: flex; align-items: center; justify-content: center; gap: 6px; flex-wrap: wrap; }
.footer-bottom-inner p { font-size: 13px; color: rgba(255,255,255,0.45); margin: 0; letter-spacing: 0.2px; }
.footer-bottom-inner a { display: inline; padding: 0; font-size: 13px; color: rgba(255,255,255,0.65); text-decoration: underline; text-underline-offset: 2px; }
.footer-bottom-inner a:hover { color: #4ade80; }
.footer-legal { padding: 0 24px 24px; max-width: var(--max-w); margin: 0 auto; font-size: 11px; color: rgba(255,255,255,0.4); line-height: 1.7; text-align: center; }
.footer-legal a { display: inline; font-size: 11px; padding: 0; color: rgba(255,255,255,0.55); text-decoration: underline; }

/* STICKY BOTTOM CTA */
.sticky-cta { position: fixed; bottom: 0; left: 0; right: 0; z-index: 99; background: rgba(255,255,255,0.97); backdrop-filter: blur(12px); border-top: 1px solid var(--gray-200); padding: 12px 24px; transform: translateY(100%); transition: transform 0.4s ease; box-shadow: 0 -2px 20px rgba(0,0,0,0.08); }
.sticky-cta.visible { transform: translateY(0); }
.sticky-cta-inner { max-width: var(--max-w); margin: 0 auto; display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.sticky-cta-text { font-size: 15px; color: var(--gray-700); font-weight: 500; }
.sticky-cta-text strong { color: var(--gray-900); font-weight: 700; }
.sticky-cta-btns { display: flex; gap: 10px; align-items: center; flex-shrink: 0; }
.sticky-cta-phone { display: inline-flex; align-items: center; gap: 6px; background: var(--green-50); color: var(--green-700); border: 1.5px solid var(--green-200); border-radius: 8px; padding: 10px 18px; font-family: var(--font-sans); font-size: 15px; font-weight: 700; white-space: nowrap; }
.sticky-cta-phone:hover { background: var(--green-100); }
.sticky-cta-btn { background: var(--green-600); color: #fff; border: none; border-radius: 8px; padding: 10px 20px; font-family: var(--font-sans); font-size: 14px; font-weight: 700; white-space: nowrap; }
.sticky-cta-btn:hover { background: var(--green-700); }

/* RESPONSIVE */
@media (max-width: 900px) {
  .hero-grid, .content-grid { grid-template-columns: 1fr !important; }
  .hero-grid .glass-card { margin: 0 auto; }
  .grid-3 { grid-template-columns: 1fr 1fr; }
  .grid-4 { grid-template-columns: 1fr 1fr; }
  .footer-contact-inner { grid-template-columns: 1fr; gap: 24px; }
  .footer-contact-grid { flex-wrap: wrap; }
  .footer-contact-card { flex: 1; min-width: 160px; }
  .footer-links-inner { grid-template-columns: 1fr 1fr; gap: 28px 24px; }
  .nav-links { display: none; }
  .nav-mobile-btn { display: block; }
  .sidebar-form { position: static; }
  .sticky-cta-text { display: none; }
  .sticky-cta-btns { width: 100%; }
  .sticky-cta-phone, .sticky-cta-btn { flex: 1; text-align: center; justify-content: center; }
}
@media (max-width: 600px) {
  .grid-3, .grid-4, .grid-2 { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .hero h1, .hero-h1 { font-size: clamp(28px, 8vw, 42px); }
  .sticky-cta { padding: 10px 16px; }
  .sticky-cta-phone, .sticky-cta-btn { padding: 10px 12px; font-size: 13.5px; }
}

/* SKIP LINK */
.skip-link { position: absolute; top: -100%; left: 16px; z-index: 200; background: var(--green-600); color: #fff; padding: 10px 20px; border-radius: 0 0 8px 8px; font-weight: 600; font-size: 14px; }
.skip-link:focus { top: 0; }

/* TOUCH & INTERACTION */
button, a, input[type="submit"], .btn-primary, .btn-white, .btn-outline, .nav-cta, .faq-q { touch-action: manipulation; }

/* FOCUS VISIBLE — interactive elements */
a:focus-visible, button:focus-visible, .btn-primary:focus-visible, .btn-white:focus-visible, .nav-cta:focus-visible, .sticky-cta-btn:focus-visible, .sticky-cta-phone:focus-visible { outline: 2px solid var(--green-600); outline-offset: 2px; border-radius: 4px; }

/* REDUCED MOTION */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.01ms !important; animation-iteration-count: 1 !important; transition-duration: 0.01ms !important; scroll-behavior: auto !important; }
  .faq-a { transition: none; }
  .sticky-cta { transition: none; }
  .nav { transition: none; }
  .card-link:hover { transform: none; }
  .faq-item.open .faq-icon { transition: none; }
  .apply-step { transition: none; }
  .apply-progress-fill { transition: none; }
}

/* ── APPLY PAGE: MULTI-STEP FORM ── */
.apply-hero { position: relative; background: linear-gradient(170deg, #041e16 0%, #064e3b 35%, #0c3a2a 70%, #111827 100%); padding: 110px 24px 0; overflow: hidden; min-height: 100vh; }
.apply-hero::before { content: ''; position: absolute; inset: 0; background: repeating-linear-gradient(120deg, transparent, transparent 60px, rgba(255,255,255,0.012) 60px, rgba(255,255,255,0.012) 61px); pointer-events: none; }
.apply-hero::after { content: ''; position: absolute; top: -30%; right: -15%; width: 70vw; height: 70vw; border-radius: 50%; background: radial-gradient(circle, rgba(22,163,74,0.08) 0%, transparent 70%); pointer-events: none; }
.apply-hero-inner { max-width: 1100px; margin: 0 auto; position: relative; z-index: 1; display: grid; grid-template-columns: 1fr 480px; gap: 60px; align-items: start; padding-bottom: 80px; }
.apply-hero-copy { padding-top: 24px; }
.apply-hero-copy h1 { font-family: var(--font-serif); font-size: clamp(32px, 4vw, 48px); color: #fff; line-height: 1.12; margin: 0 0 18px; }
.apply-hero-copy h1 em { font-style: normal; color: #4ade80; }
.apply-hero-copy > p { font-size: 17px; color: rgba(255,255,255,0.7); line-height: 1.7; margin: 0 0 36px; max-width: 440px; }

/* Trust badges row */
.apply-trust-row { display: flex; flex-direction: column; gap: 16px; }
.apply-trust-badge { display: flex; align-items: center; gap: 14px; padding: 14px 18px; background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.08); border-radius: 12px; }
.apply-trust-icon { width: 40px; height: 40px; border-radius: 10px; background: rgba(22,163,74,0.15); border: 1px solid rgba(22,163,74,0.25); display: flex; align-items: center; justify-content: center; font-size: 18px; flex-shrink: 0; }
.apply-trust-badge h2 { font-family: var(--font-sans); font-size: 14px; font-weight: 700; color: #fff; margin: 0 0 2px; }
.apply-trust-badge p { font-size: 12.5px; color: rgba(255,255,255,0.5); margin: 0; line-height: 1.4; }

/* Form card */
.apply-card { background: rgba(255,255,255,0.97); border-radius: 20px; box-shadow: 0 24px 80px rgba(0,0,0,0.35), 0 0 0 1px rgba(255,255,255,0.1); overflow: hidden; position: relative; }
.apply-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--green-500), var(--green-700), var(--green-500)); }

/* Progress bar */
.apply-progress { display: flex; align-items: center; justify-content: center; gap: 0; padding: 28px 32px 0; }
.apply-progress-step { display: flex; align-items: center; gap: 0; }
.apply-progress-dot { width: 32px; height: 32px; border-radius: 50%; border: 2px solid var(--gray-300); background: #fff; display: flex; align-items: center; justify-content: center; font-size: 13px; font-weight: 700; color: var(--gray-400); position: relative; z-index: 1; transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1); }
.apply-progress-dot.active { border-color: var(--green-600); background: var(--green-600); color: #fff; box-shadow: 0 0 0 4px rgba(22,163,74,0.15); }
.apply-progress-dot.done { border-color: var(--green-600); background: var(--green-600); color: #fff; }
.apply-progress-line { width: 80px; height: 2px; background: var(--gray-200); position: relative; }
.apply-progress-fill { position: absolute; top: 0; left: 0; height: 100%; width: 0; background: var(--green-600); transition: width 0.5s cubic-bezier(0.4, 0, 0.2, 1); }
.apply-progress-label { font-size: 10.5px; font-weight: 600; color: var(--gray-400); text-align: center; margin-top: 6px; letter-spacing: 0.5px; text-transform: uppercase; }
.apply-progress-step.active .apply-progress-label { color: var(--green-700); }

/* Steps container */
.apply-steps { position: relative; overflow: hidden; padding: 28px 32px 32px; }
.apply-step { display: none; }
.apply-step.active { display: block; animation: applyFadeIn 0.35s ease; }
@keyframes applyFadeIn { from { opacity: 0; transform: translateX(16px); } to { opacity: 1; transform: translateX(0); } }
.apply-step h3 { font-family: var(--font-serif); font-size: 21px; color: var(--gray-900); margin: 0 0 4px; }
.apply-step .step-sub { font-size: 13.5px; color: var(--gray-500); margin: 0 0 22px; }

/* Apply form overrides */
.apply-card .form-label { font-size: 13px; font-weight: 600; color: var(--gray-700); margin-bottom: 6px; display: block; cursor: pointer; }
.apply-card .form-input { padding: 14px 16px; font-size: 15.5px; border-radius: 10px; }
.apply-card .form-input:focus { box-shadow: 0 0 0 3px rgba(22,163,74,0.12); }
.apply-card select.form-input { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='none'%3E%3Cpath d='M1 1.5l5 5 5-5' stroke='%236b7280' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 36px; }

/* Navigation buttons */
.apply-nav { display: flex; gap: 12px; margin-top: 24px; }
.apply-btn-next { flex: 1; padding: 15px; border-radius: 10px; font-family: var(--font-sans); font-size: 16px; font-weight: 700; cursor: pointer; border: none; background: var(--green-600); color: #fff; box-shadow: 0 2px 12px rgba(22,163,74,0.25); transition: background 0.2s; }
.apply-btn-next:hover { background: var(--green-700); }
.apply-btn-back { padding: 15px 24px; border-radius: 10px; font-family: var(--font-sans); font-size: 15px; font-weight: 600; cursor: pointer; border: 1.5px solid var(--gray-200); background: #fff; color: var(--gray-600); transition: border-color 0.2s; }
.apply-btn-back:hover { border-color: var(--gray-400); }
.apply-disclosure { font-size: 11px; color: var(--gray-400); line-height: 1.5; margin-top: 14px; text-align: center; }

/* Phone CTA below card */
.apply-phone-cta { display: flex; align-items: center; justify-content: center; gap: 10px; margin-top: 20px; padding: 14px; border-radius: 12px; background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.1); }
.apply-phone-cta span { font-size: 12.5px; color: rgba(255,255,255,0.5); font-weight: 500; }
.apply-phone-cta a { color: #4ade80; font-size: 17px; font-weight: 700; }

/* Below-fold sections on apply page */
.apply-below { background: #fff; }
.apply-timeline { max-width: 640px; margin: 0 auto; position: relative; padding-left: 40px; }
.apply-timeline::before { content: ''; position: absolute; left: 15px; top: 8px; bottom: 8px; width: 2px; background: linear-gradient(to bottom, var(--green-500), var(--green-200)); border-radius: 2px; }
.apply-tl-item { position: relative; padding: 0 0 36px; }
.apply-tl-item:last-child { padding-bottom: 0; }
.apply-tl-dot { position: absolute; left: -40px; top: 2px; width: 32px; height: 32px; border-radius: 50%; background: #fff; border: 2px solid var(--green-500); display: flex; align-items: center; justify-content: center; font-family: var(--font-serif); font-size: 14px; color: var(--green-700); font-weight: 700; z-index: 1; }
.apply-tl-item h3 { font-family: var(--font-serif); font-size: 18px; margin: 0 0 6px; }
.apply-tl-item p { font-size: 14.5px; color: var(--gray-500); line-height: 1.65; margin: 0; }
.apply-tl-tag { display: inline-block; font-size: 11px; font-weight: 700; color: var(--amber-700); background: #fffbeb; border: 1px solid #fde68a; padding: 2px 8px; border-radius: 100px; margin-top: 8px; text-transform: uppercase; letter-spacing: 0.5px; }

/* Responsive */
@media (max-width: 768px) {
  .apply-hero-inner { grid-template-columns: 1fr; gap: 24px; padding-bottom: 48px; }
  .apply-hero-copy { padding-top: 0; text-align: center; order: 2; }
  .apply-hero-copy > p { display: none; }
  .apply-hero-copy > h1 { font-size: 26px; margin-bottom: 8px; }
  .apply-trust-row { flex-direction: row; flex-wrap: wrap; justify-content: center; gap: 8px; }
  .apply-trust-badge { flex: 1; min-width: 140px; padding: 10px 12px; }
  .apply-trust-badge p { display: none; }
  .apply-trust-badge h2 { font-size: 12px; }
  .apply-card { margin: 0 -8px; border-radius: 16px; order: 1; }
  .apply-steps { padding: 20px 20px 24px; }
  .apply-progress { padding: 20px 20px 0; }
  .apply-progress-line { width: 48px; }
  .apply-phone-cta { margin: 16px -8px 0; order: 1; }
}