/* ========================================================================
   Keen's Buildings — Standalone Landing Page Styles
   Dependency-free CSS. Brand: orange #F05A28, navy #0F172A.
   ======================================================================== */

:root {
  --primary: #F05A28;
  --primary-hover: #d94d20;
  --primary-foreground: #ffffff;
  --secondary: #1f2937;
  --foreground: #0F172A;
  --card: #ffffff;
  --background: #fafaf7;
  --accent: #f5f0e8;
  --muted: #f1f5f9;
  --muted-foreground: #64748b;
  --border: #e5e7eb;
  --green: #16a34a;
  --green-bg: #dcfce7;
  --yellow: #facc15;
  --radius: 12px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
  --shadow-md: 0 4px 8px -2px rgba(0,0,0,0.08), 0 2px 4px -2px rgba(0,0,0,0.04);
  --shadow-lg: 0 10px 20px -5px rgba(0,0,0,0.1), 0 4px 8px -4px rgba(0,0,0,0.06);
  --shadow-xl: 0 20px 40px -10px rgba(0,0,0,0.15), 0 8px 16px -8px rgba(0,0,0,0.08);
  --shadow-2xl: 0 30px 60px -15px rgba(0,0,0,0.2);
}

* { box-sizing: border-box; margin: 0; padding: 0; }
.white_text { color: #fff!important; }
.footer_logo { border: 5px solid #fff; border-radius: 8px; background: #fff; width: 120px; }
.footer_logo:hover { color: #fff;  }
.max_200 { max-width: 200px; }

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

body { font-family: -apple-system, BlinkMacSystemFont, "Inter", "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif; background: var(--background); color: var(--foreground); font-size: 15px; line-height: 1.5; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
input, select, button { font-family: inherit; }

/* ---------- Layout helpers ---------- */
.container { width: 100%; max-width: 1152px; margin: 0 auto; padding: 0 16px; }
.container-narrow { max-width: 896px; margin: 0 auto; padding: 0 16px; }
.text-center { text-align: center; }
.hide-mobile { display: none; }
.hide-desktop { display: block; }

@media (min-width: 768px) {
  .hide-mobile { display: inline-flex; }
  .hide-desktop { display: none; }
  .container, .container-narrow { padding: 0 24px; }
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  height: 44px;
  padding: 0 20px;
  border-radius: 10px;
  font-weight: 700;
  font-size: 15px;
  transition: all 0.15s ease;
  white-space: nowrap;
  cursor: pointer;
  border: 1px solid transparent;
  text-decoration: none;
}
.btn-primary { background: var(--primary); color: var(--primary-foreground); box-shadow: var(--shadow-md); }
.btn-primary:hover { background: var(--primary-hover); transform: translateY(-1px); box-shadow: var(--shadow-lg); }
.btn-outline { background: transparent; border-color: var(--primary); color: var(--primary); }
.btn-outline:hover { background: rgba(240,90,40,0.06); }
.btn-outline-light { background: transparent; border-color: rgba(255,255,255,0.3); color: #fff; }
.btn-outline-light:hover { background: rgba(255,255,255,0.08); color: #fff; }
.btn-outline-light:focus { background: rgba(255,255,255,0.08); color: #fff; }
.btn-lg { height: 48px; padding: 0 24px; font-size: 16px; }
.btn-xl { height: 52px; padding: 0 28px; font-size: 16px; font-weight: 800; }
.btn-block { width: 100%; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(250,250,247,0.95);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
}
.site-header__inner {
  display: flex; align-items: center; justify-content: space-between;
  height: 64px;
}
@media (min-width: 768px) { .site-header__inner { height: 80px; } }
.site-header__logo img { height: 40px; width: auto; }
@media (min-width: 768px) { .site-header__logo img { height: 48px; } }
.site-nav { display: none; gap: 24px; align-items: center; font-size: 14px; font-weight: 700; color: var(--muted-foreground); }
@media (min-width: 1024px) { .site-nav { display: flex; } }
.site-nav a:hover { color: var(--primary); }
.site-header__right { display: flex; align-items: center; gap: 16px; }
.header-phone-mobile {
  display: inline-flex; align-items: center; gap: 6px;
  height: 36px; padding: 0 12px;
  border: 1px solid var(--primary); color: var(--primary);
  border-radius: 8px; font-weight: 700; font-size: 12px;
}
@media (min-width: 1024px) { .header-phone-mobile { display: none; } }
.header-phone-desktop { display: none; flex-direction: column; align-items: flex-end; margin-right: 24px; }
@media (min-width: 1024px) { .header-phone-desktop { display: flex; } }
.header-phone-desktop .label { font-size: 11px; font-weight: 700; color: var(--muted-foreground); text-transform: uppercase; letter-spacing: 0.05em; }
.header-phone-desktop a { font-size: 20px; font-weight: 900; color: var(--primary); }
.header-apply-btn { display: none; }
@media (min-width: 640px) { .header-apply-btn { display: inline-flex; } }

/* ---------- Hero ---------- */
.hero {
  background: var(--foreground);
  color: #fff;
  padding: 40px 0 64px;
  position: relative;
  overflow: hidden;
}
@media (min-width: 768px) { .hero { padding: 56px 0 80px; } }
.hero::before {
  content: ""; 
  position: absolute; inset: 0;
  background-image: url('images/bg.webp');
  background-size: cover;
  background-repeat: no-repeat;
}
.hero__grid {
  position: relative; z-index: 1;
  display: grid;
  gap: 40px;
  align-items: center;
}
@media (min-width: 1024px) {
  .hero__grid { grid-template-columns: 1.1fr 1fr; gap: 48px; }
}
.hero__badge {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 6px 12px;
  background: rgba(240,90,40,0.18); border: 1px solid rgba(240,90,40,0.35);
  border-radius: 999px;
  font-size: 12px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: #fff;
  margin-bottom: 20px;
}
.hero__badge .dot { width: 8px; height: 8px; border-radius: 999px; background: var(--primary); animation: pulse 1.6s infinite; }
@keyframes pulse { 0%,100% { opacity: 1; } 50% { opacity: 0.4; } }
.hero h1 {
  font-size: 36px; line-height: 1.1; font-weight: 900; letter-spacing: -0.02em;
  margin-bottom: 20px;
}
@media (min-width: 1024px) { .hero h1 { font-size: 44px; } }
.hero h1 .accent { color: var(--primary); }
.hero__sub { font-size: 17px; color: rgba(255,255,255,0.85); margin-bottom: 24px; font-weight: 500; line-height: 1.55; }
.hero__sub strong { color: #fff; font-weight: 700; }
.hero__ctas { display: flex; flex-direction: column; gap: 12px; margin-bottom: 20px; }
@media (min-width: 640px) { .hero__ctas { flex-direction: row; } }
.hero__ctas .btn { flex: 1; }
.hero__checks { display: flex; flex-wrap: wrap; gap: 8px 20px; font-size: 13px; font-weight: 500; color: rgba(255,255,255,0.8); margin-bottom: 20px; align-items: center; background-color: rgba(0, 0, 0, 0.7); padding: 10px; border-radius: 10px;  }
.hero__checks span { display: inline-flex; align-items: center; gap: 6px; }
.hero__checks .check { color: var(--primary); font-weight: 900; }
.hero__promo { background: rgba(0,0,0,0.5); backdrop-filter: blur(10px); border: 1px solid rgba(240,90,40,0.25); border-radius: 8px; padding: 8px 12px; display: inline-block; }
.hero__promo p { font-size: 13px; font-weight: 600; color: #fff; }
.hero__promo .label { color: var(--primary); font-weight: 700; margin-right: 4px; text-transform: uppercase; letter-spacing: 0.05em; }

/* Hero form column */
.hero__form-wrap { position: relative; }
.hero__form-glow { position: absolute; inset: -16px; background: linear-gradient(to top right, rgba(240,90,40,0.3), transparent); border-radius: 32px; filter: blur(40px); transform: rotate(-3deg); pointer-events: none; }
.hero__form-floater { position: absolute; bottom: -20px; left: -12px; background: var(--background); color: var(--foreground); border: 1px solid var(--border); padding: 12px; border-radius: 12px; box-shadow: var(--shadow-2xl); display: flex; align-items: center; gap: 10px; z-index: 5; }
.hero__form-floater .icon-circle { width: 36px; height: 36px; border-radius: 999px; background: var(--green-bg); display: flex; align-items: center; justify-content: center; color: var(--green); font-weight: 900; }
.hero__form-floater .title { font-size: 12px; font-weight: 700; line-height: 1.2; }
.hero__form-floater .sub { font-size: 10px; color: var(--muted-foreground); font-weight: 500; }

.usp_line { display: flex; align-items: center; gap: 12px; }
.usp_line .icon { padding: 0 0 0 0; }
.usp_line .text { padding: 0 0 0 0; }
.usp_line .text .quantity { color: #fff; font-weight: 900; font-size: 18px; display: block; }
.usp_line .separator { width: 1px; height: 15px; background: rgba(255,255,255,0.3); }

/* ---------- Lead Form ---------- */
.lead-form { position: relative; background: var(--card); color: var(--foreground); border: 1px solid var(--border); border-radius: 16px; padding: 20px; box-shadow: var(--shadow-2xl); }
@media (min-width: 768px) { .lead-form { padding: 24px; } }
.lead-form__pill {
  position: absolute; top: -12px; left: 16px;
  background: var(--primary); color: #fff;
  padding: 4px 12px; border-radius: 999px;
  font-size: 11px; font-weight: 900; letter-spacing: 0.08em; text-transform: uppercase;
  box-shadow: var(--shadow-md);
}
.lead-form__header { margin-bottom: 16px; text-align: center; }
.lead-form__header h3 { font-size: 19px; font-weight: 900; line-height: 1.2; letter-spacing: -0.02em; }
.lead-form__header p { font-size: 13px; color: rgba(15,23,42,0.7); font-weight: 500; margin-top: 4px; }
.lead-form form { display: flex; flex-direction: column; gap: 12px; }
.lead-form form.stacked { gap: 16px; }
.lead-form .field { display: flex; flex-direction: column; }
.lead-form .field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.lead-form .field-row.stacked { display: flex; flex-direction: column; gap: 16px; }
.lead-form input, .lead-form select {
height: 44px;
border: 1px solid var(--border);
border-radius: 8px;
padding: 0 12px;
font-size: 15px;
background: #fff;
color: var(--foreground);
transition: border-color 0.15s ease;
width: 100%;
}
.lead-form.stacked input, .lead-form.stacked select { height: 48px; }
.lead-form input:focus, .lead-form select:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 3px rgba(240,90,40,0.15); }
.lead-form .error { color: #dc2626; font-size: 11px; font-weight: 500; margin-top: 4px; }
.lead-form .submit-btn { height: 48px; font-weight: 900; font-size: 16px; }
.lead-form.stacked .submit-btn { height: 56px; }
.lead-form__trust {
display: flex; align-items: center; justify-content: center; gap: 6px;
padding-top: 4px;
font-size: 11px; color: rgba(15,23,42,0.6); font-weight: 500;
}
.lead-form__trust .check { color: var(--green); font-weight: 900; }
.lead-form__success {
text-align: center; padding: 20px;
}
.lead-form__success .check-circle {
width: 56px; height: 56px; border-radius: 999px;
background: var(--green-bg); color: var(--green);
display: flex; align-items: center; justify-content: center;
margin: 0 auto 12px;
font-size: 28px; font-weight: 900;
}
.lead-form__success h3 { font-size: 20px; font-weight: 900; margin-bottom: 4px; }
.lead-form__success p { font-size: 14px; color: rgba(15,23,42,0.7); font-weight: 500; }

/* ---------- Trust Strip ---------- */
.trust-strip {
  background: var(--card);
  padding: 16px 0;
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  position: relative; z-index: 10;
}
.trust-strip__grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}
@media (min-width: 768px) {
  .trust-strip__grid { grid-template-columns: repeat(4, 1fr); gap: 24px; }
  .trust-strip__item:not(:first-child) { border-left: 1px solid var(--border); }
}
.trust-strip__item {
  display: flex; align-items: center; justify-content: center; gap: 8px;
  padding: 0 8px;
}
.trust-strip__item .ico { color: var(--primary); flex-shrink: 0; width: 18px; height: 18px; }
.trust-strip__item .label { font-size: 13px; font-weight: 700; }

/* ---------- Section base ---------- */
section.pad { padding: 48px 0; }
@media (min-width: 768px) { section.pad { padding: 64px 0; } }

.section-head { text-align: center; max-width: 768px; margin: 0 auto 36px; }
.section-head.left { text-align: left; margin-left: 0; }
.section-head h2 {
  font-size: 26px; font-weight: 900; letter-spacing: -0.02em; margin-bottom: 12px;
}
@media (min-width: 768px) { .section-head h2 { font-size: 32px; } }
.section-head p { font-size: 16px; color: rgba(15,23,42,0.7); font-weight: 500; }

/* ---------- Financing Paths ---------- */
.financing-paths { background: rgba(245,240,232,0.5); }
.financing-paths__grid {
  display: grid; grid-template-columns: 1fr; gap: 24px;
}
@media (min-width: 768px) { .financing-paths__grid { grid-template-columns: repeat(3, 1fr); align-items: stretch; } }

.path-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 24px;
  box-shadow: var(--shadow-lg);
  position: relative;
  display: flex; flex-direction: column;
  transition: transform 0.2s ease;
}
.path-card:hover { transform: translateY(-4px); }
.path-card--dark { background: var(--foreground); color: #fff; border-color: var(--primary); box-shadow: var(--shadow-xl); }
@media (min-width: 768px) { .path-card--dark { transform: translateY(-8px); } .path-card--dark:hover { transform: translateY(-12px); } }
.path-card__badge {
  position: absolute; top: 0; right: 0;
  background: var(--secondary); color: #fff;
  font-size: 11px; font-weight: 700;
  padding: 4px 12px; border-radius: 0 16px 0 8px;
}
.path-card__badge--center {
  position: absolute; top: -12px; left: 50%; transform: translateX(-50%);
  background: var(--primary); color: #fff;
  padding: 4px 16px; border-radius: 999px;
  font-size: 11px; font-weight: 700;
  box-shadow: var(--shadow-md); white-space: nowrap;
}
.path-card__badge--gray { background: #e2e8f0; color: #1e293b; }
.path-card h3 { font-size: 20px; font-weight: 900; margin-bottom: 6px; margin-top: 4px; }
.path-card__sub { color: var(--primary); font-weight: 700; font-size: 16px; margin-bottom: 16px; }
.path-card__price { font-size: 42px; font-weight: 900; letter-spacing: -0.04em; line-height: 1; margin-bottom: 4px; }
.path-card__price .dollar { font-size: 20px; vertical-align: top; color: var(--muted-foreground); }
.path-card--dark .path-card__price .dollar { color: rgba(255,255,255,0.6); }
.path-card__price-sub { font-size: 13px; color: var(--muted-foreground); font-weight: 500; margin-bottom: 16px; }
.path-card--dark .path-card__price-sub { color: rgba(255,255,255,0.7); }
.path-card ul { list-style: none; display: flex; flex-direction: column; gap: 12px; margin-bottom: 24px; flex: 1; }
.path-card li { display: flex; align-items: flex-start; gap: 8px; font-size: 15px; font-weight: 500; }
.path-card li .check { color: var(--primary); font-weight: 900; flex-shrink: 0; line-height: 1.4; }
.path-card--dark li { color: rgba(255,255,255,0.9); }
.path-card__cta-note { font-size: 11px; color: var(--muted-foreground); text-align: center; font-weight: 500; margin-top: 8px; }
.path-card--dark .path-card__cta-note { color: rgba(255,255,255,0.7); }

/* ---------- Payment Estimator ---------- */
.estimator-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 24px;
  padding: 24px;
  box-shadow: var(--shadow-2xl);
}
@media (min-width: 768px) { .estimator-card { padding: 32px; } }
.estimator-row { display: flex; justify-content: space-between; align-items: flex-end; margin-bottom: 16px; }
.estimator-row .label { font-size: 13px; font-weight: 700; color: var(--muted-foreground); text-transform: uppercase; letter-spacing: 0.05em; }
.estimator-row .value { font-size: 28px; font-weight: 900; line-height: 1; }
.estimator-slider { width: 100%; margin: 12px 0; -webkit-appearance: none; appearance: none; height: 6px; border-radius: 999px; background: #e2e8f0; outline: none; }
.estimator-slider::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 22px; height: 22px; border-radius: 999px;
  background: var(--primary); border: 3px solid #fff;
  box-shadow: var(--shadow-md); cursor: pointer;
}
.estimator-slider::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: 999px;
  background: var(--primary); border: 3px solid #fff; box-shadow: var(--shadow-md); cursor: pointer; border-radius: 999px;
}
.estimator-bounds { display: flex; justify-content: space-between; font-size: 12px; color: var(--muted-foreground); font-weight: 500; margin-top: 6px; margin-bottom: 28px; }

.tabs {
  display: grid; grid-template-columns: repeat(3, 1fr);
  background: rgba(241,245,249,0.5); padding: 4px; border-radius: 12px; gap: 4px;
  margin-bottom: 28px;
}
.tab {
  height: 40px; border-radius: 8px; background: transparent;
  font-size: 13px; font-weight: 700; color: var(--foreground)!important;
  cursor: pointer; transition: all 0.15s ease;
}
.tab.active { background: var(--card); box-shadow: var(--shadow-sm); }
.tab.active.primary { background: var(--primary); color: #fff; }

.estimator-result {
  background: rgba(245,240,232,0.4);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 28px;
  text-align: center;
}
.estimator-result .label { font-size: 13px; font-weight: 700; color: var(--muted-foreground); text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 8px; }
.estimator-result .price { font-size: 48px; font-weight: 900; color: var(--primary); letter-spacing: -0.04em; line-height: 1; margin-bottom: 12px; }
@media (min-width: 768px) { .estimator-result .price { font-size: 60px; } }
.estimator-result .price .dollar { font-size: 28px; vertical-align: top; color: rgba(240,90,40,0.7); }
.estimator-result .price .per { font-size: 18px; color: var(--muted-foreground); font-weight: 700; }
.estimator-result .disclaimer { font-size: 13px; color: rgba(15,23,42,0.8); margin-bottom: 20px; }
.estimator-result .micro { font-size: 11px; color: var(--muted-foreground); margin-top: 12px; }

/* ---------- How It Works ---------- */
.steps-grid {
  display: grid; grid-template-columns: 1fr; gap: 32px;
  margin-bottom: 32px;
  position: relative;
}
@media (min-width: 768px) {
  .steps-grid { grid-template-columns: repeat(3, 1fr); }
  .steps-grid::before {
    content: ""; position: absolute;
    top: 40px; left: 16.66%; right: 16.66%;
    height: 4px; background: rgba(229,231,235,0.6); z-index: 0;
  }
}
.step { display: flex; flex-direction: column; align-items: center; text-align: center; position: relative; z-index: 1; }
.step__num {
  width: 64px; height: 64px; border-radius: 999px;
  background: var(--card); border: 4px solid var(--primary);
  color: var(--primary);
  display: flex; align-items: center; justify-content: center;
  font-size: 26px; font-weight: 900;
  box-shadow: var(--shadow-lg);
  margin-bottom: 16px;
}
@media (min-width: 768px) { .step__num { width: 80px; height: 80px; font-size: 32px; margin-bottom: 24px; } }
.step__num--filled { background: var(--primary); color: #fff; }
.step h3 { font-size: 20px; font-weight: 700; margin-bottom: 8px; }
.step p { font-size: 15px; font-weight: 500; color: rgba(15,23,42,0.8); max-width: 280px; }

.how-it-works { background: rgba(245,240,232,0.25); }

/* ---------- Building Categories ---------- */
.cat-grid { display: grid; grid-template-columns: 1fr; gap: 16px; }
@media (min-width: 768px) { .cat-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .cat-grid { grid-template-columns: repeat(3, 1fr); } }
.cat-card {
  background: var(--card); border: 1px solid var(--border);
  border-radius: 16px; overflow: hidden;
  box-shadow: var(--shadow-md);
  display: block; transition: transform 0.2s ease;
}
.cat-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-lg); }
.cat-card__img { aspect-ratio: 16/10; overflow: hidden; }
.cat-card__img img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.5s ease; }
.cat-card:hover .cat-card__img img { transform: scale(1.05); }
.cat-card__body { padding: 18px; }
.cat-card__title-row { display: flex; align-items: flex-start; justify-content: space-between; margin-bottom: 4px; }
.cat-card__title-row h3 { font-size: 20px; font-weight: 700; }
.cat-card__arrow {
  width: 32px; height: 32px; border-radius: 999px;
  background: rgba(240,90,40,0.1); color: var(--primary);
  display: flex; align-items: center; justify-content: center;
  font-weight: 900; transition: all 0.15s ease;
}
.cat-card:hover .cat-card__arrow { background: var(--primary); color: #fff; }
.cat-card__benefit { font-size: 13px; color: rgba(15,23,42,0.7); font-weight: 500; margin-bottom: 12px; }
.cat-card__price {
  display: flex; align-items: center; gap: 8px;
  padding-top: 12px; border-top: 1px solid var(--border);
}
.cat-card__price .label { font-size: 11px; font-weight: 700; color: var(--muted-foreground); text-transform: uppercase; letter-spacing: 0.05em; }
.cat-card__price .amount { font-size: 16px; font-weight: 900; color: var(--primary); }
.cat-section__header { display: flex; flex-direction: column; gap: 16px; margin-bottom: 36px; }
@media (min-width: 768px) { .cat-section__header { flex-direction: row; align-items: flex-end; justify-content: space-between; } }
.cat-section__header h2 { font-size: 26px; font-weight: 900; letter-spacing: -0.02em; margin-bottom: 12px; }
@media (min-width: 768px) { .cat-section__header h2 { font-size: 32px; } }
.cat-section__header p { font-size: 16px; color: rgba(15,23,42,0.7); font-weight: 500; }

/* ---------- Social Proof ---------- */
.social-proof {
  background: var(--primary); color: #fff;
  padding: 40px 0;
}
.social-proof__grid {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px;
  text-align: center;
}
@media (min-width: 768px) { .social-proof__grid { grid-template-columns: repeat(4, 1fr); gap: 32px; } }
.social-proof__num { font-size: 30px; font-weight: 900; line-height: 1; margin-bottom: 4px; }
@media (min-width: 768px) { .social-proof__num { font-size: 36px; } }
.social-proof__label { font-size: 13px; font-weight: 700; opacity: 0.85; }

/* ---------- Testimonials ---------- */
.testimonials__rating-badge {
  display: inline-flex; align-items: center; gap: 12px;
  padding: 8px 16px;
  background: var(--accent); border: 1px solid var(--border);
  border-radius: 999px; margin-bottom: 16px;
}
.stars { display: inline-flex; gap: 2px; color: var(--yellow); font-size: 18px; line-height: 1; }
.testimonials__rating-badge .stars { font-size: 20px; }
.testimonials__rating-text { text-align: left; line-height: 1.2; }
.testimonials__rating-text p { font-size: 14px; font-weight: 900; }
.testimonials__rating-text p .light { color: rgba(15,23,42,0.6); font-weight: 700; }
.testimonials__rating-text .sub { font-size: 11px; font-weight: 700; color: rgba(15,23,42,0.6); text-transform: uppercase; letter-spacing: 0.05em; }
.testimonials-grid { display: grid; grid-template-columns: 1fr; gap: 20px; }
@media (min-width: 768px) { .testimonials-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .testimonials-grid { grid-template-columns: repeat(3, 1fr); } }
.testimonial {
  background: var(--card); border: 1px solid var(--border);
  border-radius: 16px; padding: 24px;
  box-shadow: var(--shadow-sm);
  display: flex; flex-direction: column;
  position: relative;
}
.testimonial__quote-icon {
  position: absolute; top: 16px; right: 16px;
  font-size: 32px; color: rgba(240,90,40,0.2); font-weight: 900; line-height: 1;
}
.testimonial__text { font-size: 15px; line-height: 1.6; color: rgba(15,23,42,0.85); font-weight: 500; margin: 16px 0; flex: 1; }
.testimonial__author { padding-top: 16px; border-top: 1px solid var(--border); }
.testimonial__author-row { display: flex; align-items: center; gap: 12px; }
.testimonial__avatar {
  width: 40px; height: 40px; border-radius: 999px;
  background: rgba(240,90,40,0.1); border: 1px solid rgba(240,90,40,0.2);
  color: var(--primary); display: flex; align-items: center; justify-content: center;
  font-weight: 900; font-size: 14px;
}
.testimonial__author p.name { font-weight: 900; font-size: 14px; line-height: 1.2; }
.testimonial__author p.loc { font-size: 11px; color: rgba(15,23,42,0.6); font-weight: 500; line-height: 1.2; margin-top: 2px; }
.testimonial__type { font-size: 11px; font-weight: 700; color: var(--primary); text-transform: uppercase; letter-spacing: 0.05em; margin-top: 12px; }
.testimonials__disclaimer { text-align: center; font-size: 12px; color: rgba(15,23,42,0.5); font-weight: 500; margin-top: 32px; max-width: 560px; margin-left: auto; margin-right: auto; }

/* ---------- Risk Reversal ---------- */
.risk-reversal { background: var(--card); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.risk-card {
  background: var(--foreground); color: #fff;
  border-radius: 24px; padding: 32px;
  box-shadow: var(--shadow-2xl);
  position: relative; overflow: hidden;
  margin-bottom: 32px;
}
@media (min-width: 768px) { .risk-card { padding: 40px; } }
.risk-card::before {
  content: ""; position: absolute; right: 0; top: 0;
  width: 50%; height: 100%;
  background: linear-gradient(to left, rgba(240,90,40,0.2), transparent);
  pointer-events: none;
}
.risk-card h2 { position: relative; font-size: 26px; font-weight: 900; letter-spacing: -0.02em; margin-bottom: 28px; }
@media (min-width: 768px) { .risk-card h2 { font-size: 32px; } }
.risk-grid { position: relative; display: grid; grid-template-columns: 1fr; gap: 20px; }
@media (min-width: 640px) { .risk-grid { grid-template-columns: 1fr 1fr; gap: 24px; } }
.risk-item { display: flex; align-items: flex-start; gap: 12px; }
.risk-item__icon {
  width: 32px; height: 32px; border-radius: 999px;
  background: rgba(240,90,40,0.2); color: var(--primary);
  display: flex; align-items: center; justify-content: center;
  font-weight: 900; flex-shrink: 0;
}
.risk-item h4 { font-size: 17px; font-weight: 700; margin-bottom: 4px; }
.risk-item p { font-size: 13px; color: rgba(255,255,255,0.7); font-weight: 500; }

/* ---------- Inline CTA bar ---------- */
.cta-bar {
  margin-top: 40px;
  display: flex; flex-direction: column;
  align-items: center; justify-content: space-between; gap: 16px;
  padding: 24px;
  background: var(--card); border: 1px solid var(--border);
  border-radius: 16px; box-shadow: var(--shadow-sm);
}
@media (min-width: 768px) { .cta-bar { flex-direction: row; gap: 24px; } }
.cta-bar.subtle { background: transparent; border: 0; border-top: 1px solid var(--border); border-radius: 0; padding: 32px 0 0; box-shadow: none; }
.cta-bar h4 { font-weight: 700; font-size: 17px; text-align: center; }
@media (min-width: 768px) { .cta-bar h4 { text-align: left; } }
.cta-bar.subtle h4 { color: rgba(15,23,42,0.8); font-size: 16px; }
.cta-bar__btns { display: flex; flex-direction: column; gap: 12px; width: 100%; }
@media (min-width: 640px) { .cta-bar__btns { flex-direction: row; width: auto; } }

/* ---------- FAQ + Form ---------- */
.faq { background: var(--background); border-top: 1px solid var(--border); padding: 48px 0; }
@media (min-width: 768px) { .faq { padding: 64px 0; } }
.faq__head { margin-bottom: 36px; max-width: 768px; }
.faq__badge {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 6px 12px;
  background: rgba(240,90,40,0.1); color: var(--primary); border: 1px solid rgba(240,90,40,0.2);
  border-radius: 999px;
  font-size: 11px; font-weight: 900; letter-spacing: 0.08em; text-transform: uppercase;
  margin-bottom: 12px;
}
.faq__head h2 { font-size: 26px; font-weight: 900; letter-spacing: -0.02em; margin-bottom: 12px; }
@media (min-width: 768px) { .faq__head h2 { font-size: 32px; } }
@media (min-width: 1024px) { .faq__head h2 { font-size: 36px; } }
.faq__head p { font-size: 16px; color: rgba(15,23,42,0.7); font-weight: 500; }
.faq__grid { display: grid; grid-template-columns: 1fr; gap: 40px; align-items: start; }
@media (min-width: 1024px) { .faq__grid { grid-template-columns: 1.4fr 1fr; gap: 48px; } }

.accordion { background: var(--card); border: 1px solid var(--border); border-radius: 16px; box-shadow: var(--shadow-sm); padding: 4px 24px; }
.accordion__item { border-bottom: 1px solid var(--border); }
.accordion__item:last-child { border-bottom: 0; }
.accordion__trigger { width: 100%; display: flex; align-items: center; justify-content: space-between; text-align: left; padding: 16px 0; font-size: 16px; font-weight: 700; color: var(--foreground); background: none; border: none; cursor: pointer; }
.accordion__trigger:hover,
.accordion__trigger:focus,
.accordion__trigger:active { color: var(--primary); }
.accordion__trigger .chevron { transition: transform 0.2s ease; font-size: 14px; opacity: 0.6; margin-left: 12px; }
.accordion__item.open .accordion__trigger .chevron { transform: rotate(180deg); }
.accordion__content {
  max-height: 0; overflow: hidden;
  transition: max-height 0.25s ease, padding 0.25s ease;
  font-size: 14px; line-height: 1.6; color: rgba(15,23,42,0.8); font-weight: 500;
}
.accordion__item.open .accordion__content { max-height: 500px; padding: 0 0 16px; }

.faq__form-note { text-align: center; font-size: 11px; color: rgba(15,23,42,0.5); font-weight: 500; margin-top: 16px; padding: 0 16px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--foreground)!important; color: rgba(255,255,255,0.7)!important; padding: 48px 0 96px!important; border-top: 1px solid rgba(255,255,255,0.1); }
.footer-brand { gap: 0!important; }
.footer-brand .wordmark { font-size: 30px; font-weight: 900; letter-spacing: -0.02em; color: #fff; line-height: 1; }
.footer-brand .tag { font-size: 11px; font-weight: 900; letter-spacing: 0.25em; color: var(--primary); text-transform: uppercase; }
.footer-brand p { font-size: 13px; line-height: 1.6; max-width: 360px; font-weight: 500; color: rgba(255,255,255,0.7)!important; }
.footer-brand a { display: inline-flex; align-items: baseline; gap: 6px; margin-bottom: 16px; }
.footer-col h4 { font-size: 11px; font-weight: 900; color: #fff; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 12px; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; font-size: 13px; font-weight: 500; margin: 0 0 0 0!important; padding: 0 0 0 0!important; }
.footer-col li { display: flex; align-items: flex-start; gap: 8px; }
.footer-col li a { color: rgba(255,255,255,0.7)!important; }
.footer-col li .ico { color: var(--primary); flex-shrink: 0; font-weight: 900; }
.footer-col a:hover { color: var(--primary); }
.footer-bottom { display: flex; flex-direction: column; gap: 16px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,0.1); }
.footer-bottom .disclaimer { font-size: 11px; line-height: 1.6; opacity: 0.7; max-width: 640px; color: rgba(255,255,255,0.7)!important; text-align: left; }
.footer-bottom .copy { font-size: 11px; font-weight: 500; color: rgba(255,255,255,0.6); flex-shrink: 0; }
.footer-grid { display: grid; grid-template-columns: 1fr; gap: 40px; margin-bottom: 40px; }

@media (min-width: 640px) {
  .site-footer { padding-bottom: 48px; }
}
@media (min-width: 768px) {
  .footer-grid { grid-template-columns: 1.4fr 1fr 1fr!important; gap: 48px; }
  .footer-brand .wordmark { font-size: 36px; } 
  .footer-bottom { flex-direction: row; align-items: flex-end; justify-content: space-between; } 
}

/* ---------- Sticky CTAs ---------- */
.sticky-mobile {
  position: fixed; bottom: 0; left: 0; right: 0; z-index: 50;
  display: flex; gap: 12px;
  padding: 12px;
  background: rgba(250,250,247,0.95);
  backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px);
  border-top: 1px solid var(--border);
  box-shadow: 0 -4px 10px rgba(0,0,0,0.05);
}
@media (min-width: 640px) { .sticky-mobile { display: none; } }
.sticky-mobile .btn { flex: 1; height: 48px; }

.sticky-desktop {
  position: fixed; bottom: 24px; right: 24px; z-index: 40;
  display: none;
  opacity: 0; transform: translateY(16px); pointer-events: none;
  transition: opacity 0.25s ease, transform 0.25s ease;
}
@media (min-width: 768px) { .sticky-desktop { display: block; } }
.sticky-desktop.visible { opacity: 1; transform: translateY(0); pointer-events: auto; }
.sticky-desktop__inner {
  background: var(--foreground); color: #fff;
  border: 1px solid rgba(240,90,40,0.2);
  border-radius: 16px; padding: 16px;
  box-shadow: var(--shadow-2xl);
  display: flex; align-items: center; gap: 16px;
}
.sticky-desktop__phone { display: none; padding-right: 12px; border-right: 1px solid rgba(255,255,255,0.15); }
@media (min-width: 1024px) { .sticky-desktop__phone { display: block; } }
.sticky-desktop__phone .label { font-size: 11px; font-weight: 700; color: rgba(255,255,255,0.6); text-transform: uppercase; letter-spacing: 0.05em; }
.sticky-desktop__phone a { display: block; font-size: 18px; font-weight: 900; color: var(--primary); margin-top: 4px; }
.sticky-desktop__btns { display: flex; gap: 8px; }
.sticky-desktop .btn { height: 40px; padding: 0 16px; font-size: 14px; }

/* ---------- Exit Intent Popup ---------- */
.popup-overlay {
  position: fixed; inset: 0; z-index: 100;
  display: none;
  align-items: flex-end; justify-content: center;
  background: rgba(15,23,42,0.7);
  backdrop-filter: blur(4px); -webkit-backdrop-filter: blur(4px);
  padding: 12px;
  animation: fadeIn 0.2s ease;
}
@media (min-width: 768px) { .popup-overlay { align-items: center; padding: 24px; } }
.popup-overlay.open { display: flex; }
@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }
.popup {
  background: var(--background);
  width: 100%; max-width: 768px;
  border-radius: 24px;
  box-shadow: var(--shadow-2xl);
  border: 1px solid var(--border);
  overflow: hidden;
  max-height: 90vh; overflow-y: auto;
  animation: slideUp 0.3s ease;
}
@keyframes slideUp { from { transform: translateY(24px); opacity: 0; } to { transform: translateY(0); opacity: 1; } }
.popup__grid { display: grid; grid-template-columns: 1fr; }
@media (min-width: 768px) { .popup__grid { grid-template-columns: 2fr 3fr; } }
.popup__pitch {
  background: var(--foreground); color: #fff;
  padding: 28px;
  position: relative;
}
@media (min-width: 768px) { .popup__pitch { padding: 32px; } }
.popup__close {
  position: absolute; top: 12px; right: 12px;
  width: 36px; height: 36px; border-radius: 999px;
  background: rgba(255,255,255,0.1); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-size: 20px;
}
.popup__close:hover { background: rgba(255,255,255,0.2); }
.popup__pitch .badge {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 4px 12px;
  background: rgba(240,90,40,0.2); color: var(--primary); border: 1px solid rgba(240,90,40,0.4);
  border-radius: 999px;
  font-size: 11px; font-weight: 900; letter-spacing: 0.08em; text-transform: uppercase;
  margin-bottom: 16px;
}
.popup__pitch .badge .dot { width: 8px; height: 8px; border-radius: 999px; background: var(--primary); animation: pulse 1.6s infinite; }
.popup__pitch h2 { font-size: 24px; font-weight: 900; letter-spacing: -0.02em; line-height: 1.2; margin-bottom: 12px; }
@media (min-width: 768px) { .popup__pitch h2 { font-size: 28px; } }
.popup__pitch h2 .accent { color: var(--primary); }
.popup__pitch .desc { font-size: 14px; line-height: 1.6; color: rgba(255,255,255,0.8); font-weight: 500; margin-bottom: 20px; }
.popup__pitch ul { list-style: none; display: flex; flex-direction: column; gap: 10px; margin-bottom: 24px; }
.popup__pitch li { display: flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 500; color: rgba(255,255,255,0.9); }
.popup__pitch li .ico { color: var(--primary); font-weight: 900; }
.popup__form-wrap { padding: 20px; position: relative; }
@media (min-width: 768px) { .popup__form-wrap { padding: 28px; } }
.popup__close-desktop {
  display: flex;
  position: absolute; top: 16px; right: 16px;
  width: 36px; height: 36px; border-radius: 999px;
  background: var(--muted); color: var(--foreground);
  align-items: center; justify-content: center;
  font-size: 18px; z-index: 10;
}

.popup__close-desktop:hover { background: #e2e8f0; }
.popup__skip {
  display: block; margin: 12px auto 0;
  font-size: 12px; color: rgba(15,23,42,0.5); font-weight: 500;
  text-decoration: underline; text-underline-offset: 2px;
}
.popup__skip:hover { color: rgba(15,23,42,0.8); }

/* ---------- Utility ---------- */
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}

.radio-label {
  display: flex; align-items: center; gap: 8px; margin-top: 10px;
}

.radio-label input[type="radio"] {
  width: 16px; height: 16px; border-radius: 999px;
  border: 2px solid var(--border); background: #fff;
  cursor: pointer; position: relative;
 
}

#apply_now_modal {  }
#apply_now_modal .popup__grid { display: grid; grid-template-columns: 1fr; }