/* CSS VARIABLES */
:root{
  --bg: #f6f8fb;
  --panel: #ffffff;
  --panel-alt: #f8fafc;
  --text: #0f172a;
  --muted: #475569;
  --border: #e5e7eb;
  --shadow: 0 10px 30px rgba(15, 23, 42, 0.06);
  --radius: 18px;

  --container: 1120px;
  --container-xl: 1280px;
  --gutter: 24px;
}

/* RESET & BASE */
*{ box-sizing:border-box; }
html,body{ height:100%; margin:0; }
body{
  margin:0;
  font-family: Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  color:var(--text);
  background:var(--bg);
  line-height:1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* GLOBAL READABLE CONTAINER */
.section-container,
.header-content,
.hero-content,
.footer-content{
  width: min(100% - (var(--gutter) * 2), var(--container));
  margin-inline:auto;
}

/* ON BIG SCREENS ALLOW MORE WIDTH */
@media (min-width: 1280px){
  .section-container,
  .header-content,
  .hero-content,
  .footer-content{
    width: min(100% - (var(--gutter) * 2), var(--container-xl));
  }
}

/* HEADER THAT VISUALLY ANCHORS THE PAGE */
.brand-header{
  background:#ffffff;
  border-bottom:1px solid var(--border);
}

.header-content{
  display:flex;
  flex-direction:row;
  align-items:center;
  justify-content:space-between;
  padding:14px 0;
  gap:12px;
}

@media (min-width: 768px){
  .header-content{
    padding:12px 0;
  }
}

.logo-text{
  font-weight:700;
  letter-spacing:-0.01em;
  font-size:18px;
  color:#1e3a5f;
}

.company-logo{
  display:flex;
  align-items:center;
  justify-content:flex-start;
  flex-shrink:0;
}

.logo-image{
  height:52px;
  width:auto;
  display:block;
}

@media (min-width: 768px){
  .logo-image{
    height:80px;
  }
}

@media (min-width: 1024px){
  .logo-image{
    height:100px;
  }
}

.header-contact{
  display:flex;
  align-items:center;
  gap:0;
  flex-shrink:0;
}

.header-phone{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  background:#2563eb;
  color:#ffffff;
  text-decoration:none;
  font-weight:700;
  font-size:14px;
  letter-spacing:-0.01em;
  padding:10px 16px;
  border-radius:8px;
  transition:background 0.2s;
  line-height:1;
  white-space:nowrap;
  box-shadow:0 2px 8px rgba(37,99,235,0.2);
}

@media (min-width: 768px){
  .header-phone{
    font-size:16px;
    padding:12px 20px;
  }
}

.header-phone:hover{
  background:#1d4ed8;
}

.header-hours{ 
  display:none;
}

@media (min-width: 768px){
  .header-hours{
    display:inline;
    white-space:nowrap;
    font-size:14px;
    color:#64748b;
    font-weight:500;
    line-height:1.3;
    padding-left:12px;
    margin-left:12px;
    border-left:2px solid #e5e7eb;
  }
}


/* HERO: FULL-WIDTH FRAME WITH REAL DESKTOP GRID */
.hero{
  background:linear-gradient(180deg, #f8fafc 0%, #f6f8fb 100%);
  padding:28px 0 15px;
}

/* MAIN HERO BOX SO IT DOESN'T FLOAT IN SPACE */
.hero-content{
  background:var(--panel);
  border:1px solid var(--border);
  border-radius:var(--radius);
  box-shadow:var(--shadow);
  padding:28px;
}

/* MOBILE STACK */
.hero-content{
  display:grid;
  gap:22px;
}

/* DESKTOP: LEFT COPY, RIGHT RAIL */
@media (min-width: 1024px){
  .hero-content{
    grid-template-columns: 1.15fr 0.85fr;
    gap:26px;
    padding:34px;
  }
}

.hero-main h1{
  margin:0 0 10px;
  font-size: clamp(34px, 4vw, 52px);
  line-height:1.05;
  letter-spacing:-0.02em;
  color:#1e3a5f;
}

.subheadline{
  margin:0 0 20px;
  color:var(--muted);
  font-size:18px;
  line-height:1.5;
  max-width: 52ch;
}

.cta-subtext{
  margin:12px 0 0;
  color:#059669;
  font-size:15px;
  font-weight:600;
  display:none;
}

@media (min-width: 1024px){
  .cta-subtext{
    display:block;
  }
}

.trust-micro{
  display:grid;
  grid-template-columns:repeat(2, 1fr);
  gap:12px;
  margin-top:20px;
  padding:16px;
  background:#f8fafc;
  border-radius:12px;
  border:1px solid #e5e7eb;
}

@media (min-width: 768px){
  .trust-micro{
    grid-template-columns:repeat(4, 1fr);
    gap:16px;
  }
}

.trust-micro-item{
  font-size:14px;
  color:#1e3a5f;
  font-weight:600;
  display:flex;
  align-items:center;
  gap:6px;
}

.trust-micro-item:before{
  content:"✓";
  color:#059669;
  font-size:16px;
  font-weight:700;
}

.hero-right{
  display:grid;
  gap:14px;
}

/* STICKY RAIL ON DESKTOP MAKES IT FEEL PREMIUM + CONVERTS */
@media (min-width: 1024px){
  .hero-right{
    position:sticky;
    top:92px;
    align-self:start;
  }
}

/* HERO CARD VISIBILITY */
.hero-right .hero-card{
  display:none;
}

@media (min-width: 1024px){
  .hero-right .hero-card{
    display:block;
  }
}

/* CONSISTENT SPACING BETWEEN SECTIONS */
main > section{
  margin:15px 0;
}

/* PANEL STYLE */
.process-section,
.intent-section,
.trust-section,
.qualification-section,
.final-cta-section{
  padding:0;
}

.process-section .section-container,
.intent-section .section-container,
.trust-section .section-container,
.qualification-section .section-container,
.final-cta-section .section-container{
  background:var(--panel);
  border:1px solid var(--border);
  border-radius:var(--radius);
  box-shadow:var(--shadow);
  padding:28px;
}

/* ALTERNATE BACKGROUND PANEL FOR VISUAL RHYTHM */
.trust-section .section-container,
.final-cta-section .section-container{
  background:var(--panel-alt);
}

/* HEADINGS */
.section-container h2{
  margin:0 0 24px;
  font-size:28px;
  letter-spacing:-0.01em;
  text-align:center;
  color:var(--text);
}

@media (min-width: 1024px){
  .section-container{ 
    padding:40px; 
    display:flex;
    flex-direction:column;
    align-items:center;
  }
  .section-container h2{ 
    font-size:32px;
    margin-bottom:32px;
  }
}

/* PROCESS STEPS: TURN INTO 2X2 CARDS ON DESKTOP */
.process-steps{
  margin:0;
  padding:0;
  list-style:none;
  display:grid;
  gap:12px;
  counter-reset:step-counter;
  width:100%;
}

.process-steps li{
  background:#fff;
  border:1px solid var(--border);
  border-radius:14px;
  padding:14px 14px 14px 54px;
  color:var(--text);
  position:relative;
  font-size:15px;
  line-height:1.6;
}

.process-steps li::before{
  counter-increment:step-counter;
  content:counter(step-counter);
  position:absolute;
  left:14px;
  top:14px;
  width:32px;
  height:32px;
  background:linear-gradient(135deg, #3b82f6 0%, #2563eb 100%);
  color:#fff;
  border-radius:10px;
  display:flex;
  align-items:center;
  justify-content:center;
  font-weight:700;
  font-size:15px;
  box-shadow:0 4px 12px rgba(59,130,246,0.3);
}

@media (min-width: 900px){
  .process-steps{
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap:16px;
    max-width:1000px;
  }
}

.no-pressure{
  margin:20px 0 0;
  color:#166534;
  background:#ecfdf5;
  border:1px solid #bbf7d0;
  padding:12px 20px;
  border-radius:12px;
  display:inline-block;
  font-size:14px;
  font-weight:600;
  text-align:center;
}

/* BENEFITS LIST: 2 COLUMNS DESKTOP */
.benefits-list,
.trust-list,
.qualification-list{
  margin:0;
  padding:0;
  list-style:none;
  display:grid;
  gap:12px;
  width:100%;
}

.benefits-list li,
.trust-list li,
.qualification-list li{
  background:#fff;
  border:1px solid var(--border);
  border-radius:14px;
  padding:14px 14px 14px 44px;
  color:var(--text);
  position:relative;
  font-size:15px;
  line-height:1.6;
}

.benefits-list li:before,
.trust-list li:before,
.qualification-list li:before{
  content:"✓";
  position:absolute;
  left:14px;
  top:14px;
  font-weight:700;
  font-size:18px;
}

.benefits-list li:before,
.qualification-list li:before{
  color:#059669;
}

.trust-list li:before{
  color:#3b82f6;
}

/* DIFFERENT DENSITY FOR SMALLER LISTS */
@media (min-width: 900px){
  .benefits-list,
  .qualification-list{
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap:16px;
    max-width:900px;
  }
  .trust-list{
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap:16px;
    max-width:1100px;
  }
}

.exclusion{
  font-size:14px;
  color:#666;
  font-style:italic;
  margin-top:20px;
  text-align:center;
  max-width:900px;
}

/* BUTTONS + FORM CARDS SHOULD LOOK PREMIUM */
.cta-button{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:10px;
  text-decoration:none;
  border-radius:14px;
  padding:16px 24px;
  font-weight:700;
  border:1px solid transparent;
  cursor:pointer;
  user-select:none;
  font-size:17px;
  transition:all 0.2s;
  margin-top:8px;
}

.cta-button.primary{
  background:#2563eb;
  color:#fff;
  box-shadow:0 10px 24px rgba(37,99,235,.22);
}

.cta-button.secondary{
  background:#fff;
  color:#2563eb;
  border-color:#93c5fd;
}

.cta-button:hover{ 
  filter:brightness(.98);
  transform:translateY(-1px);
}

.phone-icon{
  font-size:20px;
}

.hero-card{
  background:#fff;
  border:1px solid var(--border);
  border-radius:var(--radius);
  padding:18px;
}

.card-title{
  margin:0 0 10px;
  font-size:18px;
  font-weight:700;
  color:#1e3a5f;
}

.card-benefits{
  margin:0;
  padding-left:18px;
  color:var(--muted);
  list-style:none;
}

.card-benefits li{
  font-size:15px;
  line-height:1.6;
  margin-bottom:12px;
  padding-left:24px;
  position:relative;
}

.card-benefits li:before{
  content:"✓";
  position:absolute;
  left:0;
  color:#059669;
  font-weight:700;
}

.form-card{
  margin-top:0;
}

.form-card .card-title{
  margin-bottom:12px;
}

.callback-form{
  display:grid;
  gap:10px;
}

/* Multi-step form styling */
.multistep-form .form-step{
  display:none !important;
}

.multistep-form .form-step.active{
  display:block !important;
  animation:fadeIn 0.3s ease-in;
}

@keyframes fadeIn{
  from{ opacity:0; transform:translateY(10px); }
  to{ opacity:1; transform:translateY(0); }
}

.multistep-form .form-step button{
  margin-top:8px;
}

.multistep-form .form-step .cta-button.secondary{
  background:#fff;
  color:#2563eb;
  border:1px solid #2563eb;
  box-shadow:0 4px 12px rgba(37,99,235,0.15);
  margin-right:8px;
}

.multistep-form .form-step button.secondary:hover{
  background:#f0f7ff;
}

.form-group{
  margin:0;
}

.form-card input,
.form-card select{
  width:100%;
  padding:12px 12px;
  border-radius:12px;
  border:1px solid var(--border);
  outline:none;
  font-size:14px;
  font-family:inherit;
  height:42px;
}

.form-card input:focus,
.form-card select:focus{
  border-color:#93c5fd;
  box-shadow:0 0 0 4px rgba(147,197,253,.35);
}

.form-card input::placeholder{
  color:#9ca3af;
}

.form-submit{
  width:100%;
  margin-top:4px;
  background:#059669;
  color:#fff;
  padding:12px;
  font-size:15px;
  border:none;
  cursor:pointer;
  border-radius:12px;
  font-weight:700;
}

.form-submit:hover{
  background:#047857;
}

.form-note{
  margin:10px 0 0;
  color:var(--muted);
  font-size:13px;
  text-align:center;
}

.inline-phone{ 
  color:#2563eb; 
  text-decoration:none; 
  font-weight:600; 
}

.inline-phone:hover{
  text-decoration:underline;
}

/* FOOTER SHOULD MATCH THE PANEL SYSTEM */
.compliance-footer{
  margin-top:15px;
  padding:18px 0;
  background:transparent;
}

.footer-content{
  background:var(--panel);
  border:1px solid var(--border);
  border-radius:var(--radius);
  box-shadow:var(--shadow);
  padding:22px;
  text-align:center;
  color:var(--muted);
}

.company-footer{
  font-size:18px;
  font-weight:700;
  color:#1e3a5f;
  margin-bottom:6px;
}

.legal{
  font-size:14px;
  color:#64748b;
  margin-bottom:8px;
}

.footer-phone{
  font-size:16px;
  font-weight:600;
  color:#1e3a5f;
  margin-top:12px;
}

.footer-phone a{
  color:#3b82f6;
  text-decoration:none;
}

.footer-phone a:hover{
  text-decoration:underline;
}

.footer-links{
  margin:16px 0;
  font-size:13px;
  color:#64748b;
}

.footer-link{ 
  color:var(--text); 
  text-decoration:none; 
  font-weight:600;
  cursor:pointer;
}

.footer-link:hover{
  color:#2563eb;
  text-decoration:underline;
}

.footer-separator{
  margin:0 12px;
}

.footer-licensing{
  margin:20px 0;
  padding:20px 0;
  border-top:1px solid var(--border);
  border-bottom:1px solid var(--border);
  font-size:13px;
  line-height:1.8;
  color:#475569;
}

.footer-licensing p{
  margin:6px 0;
}

.footer-licensing strong{
  color:#1e3a5f;
  font-weight:700;
}

.footer-licensing a{
  color:#2563eb;
  text-decoration:none;
  font-weight:600;
}

.footer-licensing a:hover{
  text-decoration:underline;
}

.disclaimer{
  margin:14px 0 0; 
  font-size:13px;
  line-height:1.6;
  color:#475569;
}

.disclaimer strong{
  color:#1e3a5f;
  font-weight:700;
}

.copyright{
  margin:14px 0 0;
  font-size:12px;
  color:#94a3b8;
  text-align:center;
}

/* MOBILE FORM PLACEMENT */
.desktop-only-form{
  display:none;
}

@media (min-width: 1024px){
  .desktop-only-form{
    display:block;
  }
}

@media (min-width: 1024px){
  .mobile-form-section{
    display:none !important;
  }
}

@media (max-width: 1023px){
  .mobile-form-section{
    display:block !important;
    padding:0 !important;
  }
  
  .mobile-form-section .section-container{
    background:var(--panel);
    border:1px solid var(--border);
    border-radius:var(--radius);
    box-shadow:var(--shadow);
    padding:28px;
  }
}

/* STICKY CTA: MOBILE ONLY */
.sticky-cta{
  position:fixed;
  left:0; right:0;
  bottom:0;
  padding:10px 14px;
  background:rgba(255,255,255,.92);
  border-top:1px solid var(--border);
  z-index:60;
  display:block;
}

.cta-button.sticky{
  width: min(100%, 520px);
  margin:0 auto;
  background:#2563eb;
  color:#fff;
}

@media (min-width: 1024px){
  .sticky-cta{ display:none !important; }
}

/* PERFORMANCE OPTIMIZATIONS */
@media (prefers-reduced-motion: reduce) {
  * {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}

/* PRINT STYLES */
@media print {
  .sticky-cta {
    display: none;
  }
}