/* ================================================
   OLYMPIAN HOME BUYERS — styles.css
   ================================================ */

/* === CUSTOM PROPERTIES === */
:root {
  --navy:         #0d1f3c;
  --navy-mid:     #1a2f5a;
  --blue:         #1552d1;
  --blue-dark:    #0d3e9c;
  --blue-soft:    rgba(21, 82, 209, 0.08);
  --gold:         #f59e0b;
  --gold-dark:    #d97706;
  --text:         #102041;
  --muted:        #5f6d89;
  --bg:           #f4f8ff;
  --surface:      #ffffff;
  --surface-soft: #eef4ff;
  --border:       rgba(21, 82, 209, 0.14);
  --green:        #16a34a;
  --red:          #dc2626;

  --r-sm:   8px;
  --r-md:   14px;
  --r-lg:   24px;
  --r-xl:   32px;
  --r-pill: 999px;

  --shadow-sm: 0 4px 16px rgba(15, 33, 68, 0.06);
  --shadow-md: 0 12px 40px rgba(15, 33, 68, 0.09);
  --shadow-lg: 0 24px 64px rgba(15, 33, 68, 0.12);

  --font-body:  'Nunito', system-ui, sans-serif;
  --font-serif: 'Lora', Georgia, serif;

  --nav-h:       70px;
  --max-w:       1180px;
  --section-py:  80px;
}

/* === RESET === */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.65;
  color: var(--text);
  background: linear-gradient(160deg, #f0f5ff 0%, #e8f0fe 50%, #f4f8ff 100%);
  min-height: 100vh;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
ul, ol { list-style: none; }

/* === LAYOUT === */
.container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
}
.container-narrow {
  max-width: 800px;
  margin: 0 auto;
  padding: 0 24px;
}

/* === BUTTONS === */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 13px 22px;
  border-radius: var(--r-md);
  font-weight: 700;
  font-size: 0.95rem;
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease, border-color 0.15s ease;
  white-space: nowrap;
  line-height: 1.2;
}
.btn:focus-visible {
  outline: 3px solid var(--blue);
  outline-offset: 3px;
}
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }

.btn-gold {
  background: var(--gold);
  color: #1a1100;
  border-color: var(--gold);
}
.btn-gold:hover {
  background: var(--gold-dark);
  border-color: var(--gold-dark);
  box-shadow: 0 12px 28px rgba(245, 158, 11, 0.35);
}

.btn-outline-white {
  background: transparent;
  color: #fff;
  border-color: rgba(255, 255, 255, 0.45);
}
.btn-outline-white:hover {
  background: rgba(255, 255, 255, 0.12);
  border-color: #fff;
}

.btn-ghost {
  background: transparent;
  color: var(--text);
  border-color: var(--border);
}
.btn-ghost:hover { background: var(--blue-soft); }

.btn-lg { padding: 16px 30px; font-size: 1rem; }
.btn-full { width: 100%; }
.btn:disabled { opacity: 0.5; cursor: not-allowed; transform: none !important; box-shadow: none !important; }

/* === NAVIGATION === */
.site-nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
}
.nav-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
  height: var(--nav-h);
  display: flex;
  align-items: center;
  gap: 8px;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  font-size: 0.97rem;
  flex-shrink: 0;
}
.logo-mark {
  width: 38px;
  height: 38px;
  border-radius: var(--r-sm);
  background: var(--blue);
  color: #fff;
  display: grid;
  place-items: center;
  font-size: 1.05rem;
  font-weight: 800;
  flex-shrink: 0;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 24px;
  margin-left: auto;
}
.nav-links a {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--muted);
  transition: color 0.15s;
  padding: 4px 0;
}
.nav-links a:hover { color: var(--blue); }
.nav-actions {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-left: 16px;
}
.nav-phone {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--text);
  transition: color 0.15s;
  white-space: nowrap;
}
.nav-phone:hover { color: var(--blue); }
.nav-hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  width: 42px;
  height: 42px;
  border-radius: var(--r-sm);
  background: transparent;
  border: 1.5px solid var(--border);
  cursor: pointer;
  margin-left: auto;
  flex-shrink: 0;
}
.nav-hamburger span {
  display: block;
  width: 20px;
  height: 2px;
  background: var(--text);
  border-radius: 2px;
  transition: transform 0.25s ease, opacity 0.25s ease;
  pointer-events: none;
}
.nav-hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.nav-hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* === HERO === */
.hero {
  background: linear-gradient(135deg, #0a1830 0%, #1552d1 65%, #1e45b8 100%);
  color: #fff;
  padding: 72px 0 88px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 20% 80%, rgba(255,255,255,0.04) 0%, transparent 50%),
    radial-gradient(circle at 80% 20%, rgba(255,255,255,0.06) 0%, transparent 40%);
  pointer-events: none;
}
.hero-container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 56px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 7px 15px;
  border-radius: var(--r-pill);
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.2);
  font-size: 0.83rem;
  font-weight: 700;
  margin-bottom: 22px;
  color: rgba(255, 255, 255, 0.9);
  letter-spacing: 0.01em;
}
.hero-badge i { color: var(--gold); }
.hero-content h1 {
  font-family: var(--font-serif);
  font-size: clamp(2.4rem, 4.2vw, 3.8rem);
  line-height: 1.08;
  letter-spacing: -0.025em;
  color: #fff;
  margin-bottom: 22px;
}
.hero-sub {
  font-size: 1.08rem;
  color: rgba(255, 255, 255, 0.78);
  max-width: 500px;
  margin-bottom: 28px;
  line-height: 1.7;
}
.hero-trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 22px;
  margin-bottom: 34px;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 0.9rem;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.88);
}
.trust-item i { color: #4ade80; font-size: 0.9rem; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 12px; }

/* Hero form card */
.hero-form-card {
  background: #fff;
  border-radius: var(--r-xl);
  padding: 36px;
  box-shadow: var(--shadow-lg), 0 0 0 1px rgba(255,255,255,0.3);
  color: var(--text);
}
.form-card-header {
  display: grid;
  gap: 5px;
  margin-bottom: 24px;
  padding-bottom: 20px;
  border-bottom: 1px solid rgba(21,82,209,0.1);
}
.form-card-header strong {
  font-family: var(--font-serif);
  font-size: 1.2rem;
  color: var(--text);
}
.form-card-header span { font-size: 0.83rem; color: var(--muted); }

.quick-form { display: grid; gap: 14px; }
.quick-form label {
  display: grid;
  gap: 5px;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--text);
}
.quick-form input {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid #d1dde8;
  border-radius: var(--r-md);
  font-size: 0.93rem;
  color: var(--text);
  background: #fff;
  outline: none;
  transition: border-color 0.15s, box-shadow 0.15s;
}
.quick-form input:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(21, 82, 209, 0.1);
}
.form-card-footer {
  margin-top: 10px;
  text-align: center;
  font-size: 0.78rem;
  color: var(--muted);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 5px;
}

/* === TRUST BAR === */
.trust-bar {
  background: var(--navy);
  color: #fff;
  padding: 18px 0;
}
.trust-bar .container {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 0;
}
.trust-stat {
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 6px 32px;
}
.trust-stat strong {
  font-size: 1.45rem;
  font-weight: 800;
  line-height: 1.2;
  display: flex;
  align-items: center;
  gap: 4px;
}
.trust-stat span {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.55);
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-top: 3px;
}
.trust-divider {
  width: 1px;
  height: 34px;
  background: rgba(255,255,255,0.14);
}
.gold-star { color: var(--gold); }

/* === SECTIONS === */
.section { padding: var(--section-py) 0; }
.section-white { background: var(--surface); }
.section-gray  { background: var(--bg); }
.section-navy  {
  background: linear-gradient(140deg, #0a1830 0%, #1a2f5a 100%);
  color: #fff;
}

.section-label {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 5px 13px;
  border-radius: var(--r-pill);
  background: var(--blue-soft);
  color: var(--blue);
  font-size: 0.73rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
.section-label.light {
  background: rgba(255,255,255,0.1);
  color: rgba(255,255,255,0.8);
}
.section-title {
  font-family: var(--font-serif);
  font-size: clamp(1.8rem, 2.6vw, 2.65rem);
  line-height: 1.15;
  letter-spacing: -0.025em;
  margin-bottom: 14px;
}
.section-title.light { color: #fff; }
.section-sub {
  font-size: 1.05rem;
  color: var(--muted);
  max-width: 620px;
  margin-bottom: 48px;
  line-height: 1.7;
}
.section-sub.light { color: rgba(255,255,255,0.68); }

/* === HOW IT WORKS === */
.steps-row {
  display: flex;
  align-items: stretch;
  gap: 0;
}
.step-card {
  flex: 1;
  min-width: 200px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 28px;
  box-shadow: var(--shadow-sm);
  transition: transform 0.2s, box-shadow 0.2s;
}
.step-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.step-icon {
  width: 50px;
  height: 50px;
  border-radius: var(--r-md);
  background: var(--blue-soft);
  color: var(--blue);
  display: grid;
  place-items: center;
  font-size: 1.2rem;
  margin-bottom: 16px;
}
.step-num {
  font-size: 0.72rem;
  font-weight: 800;
  color: var(--blue);
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-bottom: 8px;
}
.step-card h3 { font-size: 1.08rem; font-weight: 700; margin-bottom: 10px; }
.step-card p { font-size: 0.93rem; color: var(--muted); line-height: 1.65; }
.step-arrow {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 0 14px;
  color: var(--blue);
  font-size: 1rem;
  flex-shrink: 0;
  opacity: 0.5;
}

/* === BENEFITS === */
.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.benefit-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 26px;
  box-shadow: var(--shadow-sm);
  transition: transform 0.2s, box-shadow 0.2s;
}
.benefit-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.benefit-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--r-md);
  background: var(--blue-soft);
  color: var(--blue);
  display: grid;
  place-items: center;
  font-size: 1.15rem;
  margin-bottom: 16px;
}
.benefit-card h3 { font-size: 1.03rem; font-weight: 700; margin-bottom: 8px; }
.benefit-card p { font-size: 0.91rem; color: var(--muted); line-height: 1.65; }

/* === COMPARE TABLE === */
.compare-wrap {
  overflow-x: auto;
  border-radius: var(--r-lg);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
}
.compare-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.93rem;
  min-width: 560px;
}
.compare-table thead {
  background: var(--navy);
  color: #fff;
}
.compare-table thead th {
  padding: 16px 20px;
  text-align: left;
  font-weight: 700;
}
.compare-table thead .highlight-col { background: var(--blue); }
.compare-table thead .highlight-col span {
  display: flex;
  align-items: center;
  gap: 6px;
}
.compare-table tbody tr:nth-child(odd)  { background: var(--bg); }
.compare-table tbody tr:nth-child(even) { background: var(--surface); }
.compare-table tbody tr:hover { background: var(--surface-soft); }
.compare-table tbody td {
  padding: 14px 20px;
  border-bottom: 1px solid rgba(21,82,209,0.06);
  vertical-align: middle;
}
.compare-table tbody td:first-child { font-weight: 600; }
.compare-table .highlight-col {
  background: rgba(21,82,209,0.06);
  font-weight: 600;
  text-align: center;
}
.compare-table td:not(:first-child) { text-align: center; }

.green { color: var(--green); }
.red   { color: var(--red); }
.gray  { color: var(--muted); }

/* === SITUATIONS === */
.situations-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
}
.situation-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 14px 16px;
  border-radius: var(--r-md);
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  font-weight: 600;
  font-size: 0.88rem;
  color: rgba(255,255,255,0.88);
  transition: background 0.15s;
}
.situation-item:hover { background: rgba(255,255,255,0.13); }
.situation-item i { color: var(--gold); font-size: 1rem; flex-shrink: 0; }

/* === TESTIMONIALS MARQUEE === */
.marquee-outer {
  overflow: hidden;
  padding: 20px 0;
  -webkit-mask-image: linear-gradient(to right, transparent 0%, black 8%, black 92%, transparent 100%);
  mask-image: linear-gradient(to right, transparent 0%, black 8%, black 92%, transparent 100%);
}
.marquee-track {
  display: flex;
  gap: 20px;
  width: max-content;
  animation: marquee-scroll 50s linear infinite;
}
.marquee-track:hover { animation-play-state: paused; }
@keyframes marquee-scroll {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
@media (prefers-reduced-motion: reduce) {
  .marquee-track {
    animation: none;
    flex-wrap: wrap;
    width: 100%;
    padding: 0 24px;
    justify-content: center;
  }
}
.testi-card {
  flex-shrink: 0;
  width: 340px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 26px;
  box-shadow: var(--shadow-sm);
}
.testi-stars {
  display: flex;
  gap: 3px;
  margin-bottom: 14px;
  color: var(--gold);
  font-size: 0.88rem;
}
.testi-card p {
  font-size: 0.91rem;
  color: var(--muted);
  line-height: 1.75;
  margin-bottom: 14px;
  font-style: italic;
}
.testi-card strong { font-size: 0.85rem; color: var(--text); font-weight: 700; }

/* === CTA BANNER === */
.cta-banner {
  background: linear-gradient(135deg, var(--blue) 0%, var(--blue-dark) 100%);
  padding: 64px 0;
}
.cta-banner-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
}
.cta-banner-inner h2 {
  font-family: var(--font-serif);
  font-size: clamp(1.6rem, 2.4vw, 2.2rem);
  color: #fff;
  margin-bottom: 8px;
  letter-spacing: -0.02em;
}
.cta-banner-inner p { color: rgba(255,255,255,0.72); font-size: 1rem; }
.cta-banner-actions { display: flex; gap: 12px; flex-wrap: wrap; flex-shrink: 0; }

/* === MULTI-STEP FORM === */
.form-container {
  max-width: var(--max-w);
  margin: 40px auto 0;
  padding: 0 24px;
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 28px;
  align-items: start;
}
.form-panel {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-xl);
  padding: 40px;
  box-shadow: var(--shadow-md);
}

/* Progress bar */
.form-progress-bar {
  height: 4px;
  background: #e2e8f0;
  border-radius: var(--r-pill);
  margin-bottom: 28px;
  overflow: hidden;
}
.progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--blue), var(--gold));
  border-radius: var(--r-pill);
  width: 25%;
  transition: width 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

/* Step dots */
.form-steps-indicator {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 32px;
}
.step-dot {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-shrink: 0;
}
.step-dot + .step-dot::before {
  content: '';
  display: block;
  height: 2px;
  width: 28px;
  background: #e2e8f0;
  flex-shrink: 0;
}
.step-dot span {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: #e2e8f0;
  color: var(--muted);
  font-size: 0.83rem;
  font-weight: 700;
  display: grid;
  place-items: center;
  border: 2px solid transparent;
  transition: background 0.2s, color 0.2s, border-color 0.2s;
  flex-shrink: 0;
}
.step-dot > label {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--muted);
  cursor: default;
}
.step-dot.active span { background: var(--blue); color: #fff; border-color: rgba(21,82,209,0.25); }
.step-dot.active > label { color: var(--blue); }
.step-dot.completed span { background: var(--green); color: #fff; }

/* Wizard */
.wizard-form { display: grid; gap: 24px; }
.form-step { display: grid; gap: 18px; }
.form-step.hidden { display: none; }
.form-step h3 {
  font-family: var(--font-serif);
  font-size: 1.3rem;
  color: var(--text);
  display: flex;
  align-items: center;
  gap: 10px;
}
.form-step h3 i { color: var(--blue); font-size: 1rem; }

.form-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

.form-label {
  display: grid;
  gap: 6px;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--text);
}
.form-label input,
.form-label select {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid #d1dde8;
  border-radius: var(--r-md);
  font-size: 0.93rem;
  background: var(--surface);
  color: var(--text);
  outline: none;
  transition: border-color 0.15s, box-shadow 0.15s;
}
.form-label input:focus,
.form-label select:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(21,82,209,0.1);
}
.form-label input:invalid:not(:placeholder-shown) { border-color: var(--red); }

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

.form-actions {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  padding-top: 12px;
  border-top: 1px solid var(--border);
}

/* Success state */
.submitted-message {
  text-align: center;
  padding: 48px 20px;
}
.submitted-message h3 {
  font-family: var(--font-serif);
  font-size: 1.8rem;
  color: var(--green);
  margin-bottom: 12px;
}
.submitted-message p { color: var(--muted); font-size: 1.02rem; }

/* Form side panel */
.form-side { display: grid; gap: 20px; }
.form-side-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 24px;
  box-shadow: var(--shadow-sm);
}
.form-side-card h4 { font-size: 0.97rem; font-weight: 700; margin-bottom: 16px; }
.next-steps { display: grid; gap: 12px; }
.next-steps li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.88rem;
  color: var(--muted);
  font-weight: 500;
  line-height: 1.5;
}
.next-steps li i { color: var(--blue); flex-shrink: 0; margin-top: 2px; font-size: 0.9rem; }

.trust-side-card {
  background: linear-gradient(135deg, rgba(21,82,209,0.04), rgba(21,82,209,0.09));
  border-color: rgba(21,82,209,0.16);
}
.trust-side-card p {
  font-size: 0.88rem;
  color: var(--muted);
  font-style: italic;
  margin: 12px 0 6px;
  line-height: 1.6;
}
.trust-side-card strong { font-size: 0.83rem; color: var(--text); }
.trust-rating { display: flex; align-items: center; gap: 14px; }
.rating-num { font-size: 2.2rem; font-weight: 800; color: var(--blue); line-height: 1; }
.rating-stars { color: var(--gold); font-size: 0.88rem; display: flex; gap: 3px; margin-bottom: 4px; }
.rating-label { font-size: 0.75rem; color: var(--muted); font-weight: 700; }

/* === FAQ === */
.faq-list { display: grid; gap: 10px; }
.faq-item {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.faq-item summary {
  padding: 18px 20px;
  font-weight: 700;
  font-size: 0.96rem;
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 14px;
  transition: background 0.15s;
  color: var(--text);
  user-select: none;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  font-size: 1.5rem;
  font-weight: 300;
  color: var(--blue);
  flex-shrink: 0;
  line-height: 1;
  transition: transform 0.22s ease;
}
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item summary:hover { background: var(--blue-soft); }
.faq-item[open] summary { background: var(--blue-soft); border-bottom: 1px solid var(--border); }
.faq-item p { padding: 18px 20px; font-size: 0.94rem; color: var(--muted); line-height: 1.75; }

/* === FOOTER === */
.site-footer {
  background: var(--navy);
  color: rgba(255,255,255,0.68);
  padding: 64px 0 0;
}
.footer-top {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand p {
  font-size: 0.89rem;
  line-height: 1.7;
  margin: 14px 0 18px;
  color: rgba(255,255,255,0.55);
}
.footer-logo { color: #fff; }
.footer-logo .logo-mark { background: rgba(255,255,255,0.12); }
.footer-phone {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--gold);
  font-weight: 700;
  font-size: 0.97rem;
  transition: color 0.15s;
}
.footer-phone:hover { color: #fff; }

.footer-links h5 {
  font-size: 0.73rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #fff;
  margin-bottom: 16px;
}
.footer-links ul { display: grid; gap: 10px; }
.footer-links li,
.footer-links a { font-size: 0.88rem; color: rgba(255,255,255,0.55); transition: color 0.15s; }
.footer-links a:hover { color: var(--gold); }

.footer-cta-block h5 {
  font-size: 0.73rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #fff;
  margin-bottom: 12px;
}
.footer-cta-block p {
  font-size: 0.87rem;
  color: rgba(255,255,255,0.55);
  margin-bottom: 16px;
  line-height: 1.6;
}

.footer-bottom {
  padding: 24px 0;
  text-align: center;
  display: grid;
  gap: 6px;
}
.footer-bottom p { font-size: 0.8rem; color: rgba(255,255,255,0.35); }
.footer-disclaimer { font-size: 0.74rem !important; }

/* === RESPONSIVE === */

@media (max-width: 1024px) {
  .footer-top { grid-template-columns: 1fr 1fr; }
  .situations-grid { grid-template-columns: repeat(3, 1fr); }
  .hero-container { gap: 36px; }
}

@media (max-width: 900px) {
  :root { --section-py: 60px; }

  .hero { padding: 50px 0 70px; }
  .hero-container {
    grid-template-columns: 1fr;
    max-width: 580px;
  }
  .hero-form-card { order: -1; }

  .form-container { grid-template-columns: 1fr; }
  .form-side { display: none; }

  .benefits-grid { grid-template-columns: 1fr 1fr; }
  .steps-row { flex-direction: column; gap: 12px; }
  .step-arrow { display: none; }
}

@media (max-width: 768px) {
  /* Mobile nav */
  .nav-links, .nav-actions { display: none; }
  .nav-hamburger { display: flex; }

  .site-nav.nav-open .nav-inner {
    flex-wrap: wrap;
    height: auto;
    padding-bottom: 16px;
  }
  .site-nav.nav-open .nav-links {
    display: flex;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    width: 100%;
    order: 10;
    border-top: 1px solid var(--border);
    margin-top: 4px;
    padding-top: 4px;
  }
  .site-nav.nav-open .nav-links a {
    display: block;
    padding: 13px 4px;
    font-size: 0.97rem;
    border-bottom: 1px solid var(--border);
  }
  .site-nav.nav-open .nav-actions {
    display: flex;
    flex-direction: column;
    align-items: stretch;
    gap: 10px;
    width: 100%;
    order: 11;
    padding-top: 14px;
  }
  .site-nav.nav-open .nav-actions .btn { text-align: center; }

  /* Trust bar */
  .trust-bar .container { justify-content: flex-start; flex-wrap: wrap; gap: 0; }
  .trust-stat { padding: 6px 18px; }
  .trust-divider { display: none; }

  /* Sections */
  .situations-grid { grid-template-columns: 1fr 1fr; }
  .benefits-grid { grid-template-columns: 1fr; }

  .compare-table { font-size: 0.84rem; }
  .compare-table thead th,
  .compare-table tbody td { padding: 11px 14px; }

  /* CTA Banner */
  .cta-banner-inner { flex-direction: column; text-align: center; }
  .cta-banner-actions { justify-content: center; }

  /* Form */
  .form-panel { padding: 24px; }
  .form-grid-2 { grid-template-columns: 1fr; }
  .form-actions { flex-direction: column-reverse; }
  .step-dot > label { display: none; }
  .step-dot + .step-dot::before { width: 16px; }

  /* Hero */
  .hero-trust-row { flex-direction: column; gap: 8px; }
  .hero-ctas { flex-direction: column; }
  .hero-form-card { padding: 26px; }

  /* Footer */
  .footer-top { grid-template-columns: 1fr; gap: 28px; }
}

@media (max-width: 480px) {
  .situations-grid { grid-template-columns: 1fr; }
  .trust-bar .container { flex-direction: row; flex-wrap: wrap; gap: 0; }
}